Not enough time to post a FULL blog but here are 2 things to check out.
1. www.DJPHNX.com This guy is a BEAST! Support him and download "We Make Party Vol. 5" he gets it in!!
2. This is what's hot in the streets of Jamacia.....and its sad :(
Daggering
April 14, 2009
April 7, 2009
Back to my writings
A reason.
A season.
A lifetime.
I remember quiet musings and long trips
Just a glimpse
The sight of what I thought perfection must be
Just me, my music, and my thoughts
Thumbing through my text messages hoping at the same time you were doing the same
I saved up
I'm on the train this time
I really couldn't pinpoint what drew our chemistries together
Maybe it was because you reminded me of that time I was 5
And the first time I had tasted sugar cane cut straight from the Earth's underbelly
Raw and sweet
Thick and inviting
I loved it then
I loved you then
When I was 3 and realized the beauty of the daffodils in May
That was you
Open and warm
The time I was 14 and discovered the beauty of paint lines on canvas
Your body
Its curves
Its flawless hue of light brown sugar and how my hands looked like dirty clay as they caressed each and every nook
I think of the moments we didn't quite share but that added up to the moments that led us to each other
Each moment connecting to 1 million more
Till my million reached your million and our chemistry burned a million times more than that
I traveled miles for the slightest touch
The melting of my body's life center as you kissed me
Then it was over
You were my reason
That was our season
Your memory is my lifetime.
A season.
A lifetime.
I remember quiet musings and long trips
Just a glimpse
The sight of what I thought perfection must be
Just me, my music, and my thoughts
Thumbing through my text messages hoping at the same time you were doing the same
I saved up
I'm on the train this time
I really couldn't pinpoint what drew our chemistries together
Maybe it was because you reminded me of that time I was 5
And the first time I had tasted sugar cane cut straight from the Earth's underbelly
Raw and sweet
Thick and inviting
I loved it then
I loved you then
When I was 3 and realized the beauty of the daffodils in May
That was you
Open and warm
The time I was 14 and discovered the beauty of paint lines on canvas
Your body
Its curves
Its flawless hue of light brown sugar and how my hands looked like dirty clay as they caressed each and every nook
I think of the moments we didn't quite share but that added up to the moments that led us to each other
Each moment connecting to 1 million more
Till my million reached your million and our chemistry burned a million times more than that
I traveled miles for the slightest touch
The melting of my body's life center as you kissed me
Then it was over
You were my reason
That was our season
Your memory is my lifetime.
April 1, 2009
How Loans & Credit Work
Most people go into getting a loan without really knowing the details about how they work and what exactly they're doing to your credit. The basis of it is simple: Its money given given to you in a lump sum to make a purchase. You pay back the money over a set period of time at a rate of interest. To really understand the concept, you first have to realize and understa
nd that ALL money is technically a loan. All the money that exists (especially in banks) is "owed" to someone else, so first get over the fact that the "money" is yours. Now, when you apply for a loan they look at your credit history and credit score. Your score is based on a point system that measures your amount of debt, what kind of debt you have, and your propensity to pay (or risk). All of these factors are configured to determine a 3 digit number ranging from 350-900 points (the range voluntarily changes and can change at ANY time). All banks and private lenders look at the history and score to determine how much of a risk you are. From there they set your interest rate and loan term. These vary depending on which institution you go to.
Things like student loans and minimal credit card debt to affect you, but not as much as your propensity to pay vs. how big of a loan you have. For example: paying perfectly on a credit card with a limit of $500 will only take your score but so far. But paying perfectly on a mortgage, or car loan worth thousands of dollars can create a good score. Why? Because of the risk. Credit is measured by how much revolving debt you have. Crazy right? You spend so much time trying to get out of debt, but in order to get out of it or have a good score, you have to have be in debt. Get rid of it and you'll have a hard time getting things like loans, credit cards, jobs, etc...
nd that ALL money is technically a loan. All the money that exists (especially in banks) is "owed" to someone else, so first get over the fact that the "money" is yours. Now, when you apply for a loan they look at your credit history and credit score. Your score is based on a point system that measures your amount of debt, what kind of debt you have, and your propensity to pay (or risk). All of these factors are configured to determine a 3 digit number ranging from 350-900 points (the range voluntarily changes and can change at ANY time). All banks and private lenders look at the history and score to determine how much of a risk you are. From there they set your interest rate and loan term. These vary depending on which institution you go to.Things like student loans and minimal credit card debt to affect you, but not as much as your propensity to pay vs. how big of a loan you have. For example: paying perfectly on a credit card with a limit of $500 will only take your score but so far. But paying perfectly on a mortgage, or car loan worth thousands of dollars can create a good score. Why? Because of the risk. Credit is measured by how much revolving debt you have. Crazy right? You spend so much time trying to get out of debt, but in order to get out of it or have a good score, you have to have be in debt. Get rid of it and you'll have a hard time getting things like loans, credit cards, jobs, etc...
These companies can help to erase somethings from you credit and get you on the right path to rebuilding a solid credit foundation. Can they boost your score? Sometimes yes. Just because something is no longer on your credit can actually hurt you, why? You've eliminated some of the revolving debt. Approach them with caution, but overall they can be a good thing.
But the best way to help repair and build your credit is simple: Pay on time. Get credit card with a lower limit and lower interest rates. Only take out loans of you have to, and UNDERSTAND that whoever is lending you the money is taking just as much of a risk (sometimes a bigger risk) than you are. So if you're hit with a high interest rate, or a lower loan...ask yourself about your history.
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