Comm/300 Week 1 Assignment

The Legislative Branch has the job of creating bills, which are later given back and forth to the House of Representatives and the Senate, then hopefully to the president to become a law. When I studied bills that were in session by representatives, I found that most of the bills created never became laws. This happens often because community representatives and senators have difficulties agreeing on bills. I also noticed that Representatives were not frequent at creating bills based on the issues they cover. For instance, the Representative for the 63133 District of Missouri, Lacy Clay, sponsored the H.R.3683 bill, which was only introduced and was last altered November 20, 2015. The H.R.3683 focuses on getting programs that exemplify the

I would say the top domains of my life right now would include family, faith, friends, and independence. This corresponds very similar to the age group from twenty-five years to thirty-four years. I include faith as one of my values instead of work. I personally believe that work could be included in the same category as independence, because in some way they both relate to maturity throughout a persons life. One thing that I was extremely shocked with about Baltes and his colleague’s domains is that none of them included faith. I believe this is a very important aspect and should be included in every age category. In the oldest category, eighty-five to one hundred and five, there was a category called thinking about life. I believe

In 1994, the New York City Police Department adopted a law enforcement crime fighting strategy known as COMPSTAT (COMPuter STATistics). COMPSTAT uses Geographic Information Systems (GIS) to map the locations of where crimes occur, identify “ hotspots”, and map problem areas. COMPSTAT has amassed a wealth of historical crime data. Mathematicians have designed and developed algorithms that run against the historical data to predict future crimes for police departments. This is known as predictive policing. Predictive policing has led to a drop in burglaries, automobile thefts, and other crimes in some cities.

The following activity is for the seven month period from January to September 2015. There are some tasks that are identified that overflow from the time as a LEIDOS contractor, which I have identified in italics.

I’m writing this notice of disputes to inform you that I disagree with the proposal of change the construction program in accordance with AS4000 clause 42.1. I found the instruction given was not practical and I cannot agree to follow it. Followed with the original contractual agreement, I have made the prearrangements with the subcontractors for the program to be commenced. The change of the program you instructed will cause cancellation of the prearrangements. It does affect the program progress in the following aspects. It may cost me additional costs for breaking the agreements also impacts on my reputation and relationships with the subcontractors, for which I may submit the written notice of disputes followed with the claim due to the

"I also tell them to make sure they start with a card that has a zero balance and to make sure they always pay it off in full every month," he said. "This will have a dramatic effect on anyone 's score." Lenders closely observe a number of factors when considering an applicant for a personal loan. Factors that heavily influence their decision are the prospective borrower 's assets and liabilities, a percentage known in the financial world as debt ratio. "Debt ratio is calculated by adding up all of your debt and dividing it by the amount of your assets," McCarthy explained. "Understanding this calculation can hopefully make someone aware of how they can lower their debt ratio. The best way is to simply pay down the debt you 've currently accumulated." When applying for a personal loan, borrowers often base their hope for approval on things like credit history and collateral. However, as McCarthy mentions, the size of the applicant 's down payment has a definite impact on the lender 's decision. "I advise my students to save as much as possible (when) preparing for applying for their loan," he noted. "Having a significant down payment is a big deal in the eyes of the lender. It shows you are willing to risk your hard-earned money on the purpose of your loan. It significantly increases your chances of getting approved. I always

You should be paying all your bills on time consistently. Even if you have plenty of money, late payments reflect badly on your credit history. If you have too much debt for your income, you need to work at paying it down. If you are living beyond your means, you need to change that fact. Although financial products may help, this is mostly about earning more and spending less.

Beautiful home, luxury cars, two and half kids; this is what people feel life should be. Well for most, they will never experience this because of bad credit. Credit is what allows most middle class and lower class families to afford nice things. It allows you to make purchases for large items with affordable monthly payments over a specified time. Of course income is an important part of the credit allowed per household. If you only make $25,000.00 a year, you might not get a Mercedes C-Class but more like a Ford Focus. There is absolutely nothing wrong with a Ford Focus, it’s all about getting what you can afford. Then there are those who make twice that amount and still can’t get anything other than a Ford Focus. Those are the people who have abused their credit and now are in the “rebuilding” stage. Let’s go over some tips to prevent you from having to restore but make wise choices so that you have a prosperous future.

Here is the greatest debt reduction story ever told, and I'm proud/ not proud to say that it's mine. I had been living quite comfortably as a teenager, I depended on my mom and didn't need to pay for things. As soon as I got in college I realized that that wasn't the best way to live. It got me into the habit of spending money that I didn't really have. So that's how I ended up having $10,000 in credit card debt. After I was practically broke and couldn't pay for anything, I called my mom (like any other hopeless broke college student) and she told me that it was my fault and to figure it out on my own, so that's what I was determined to do.

A good credit score is important in order to get the loans and interest rates that you want. To financial institutions, a credit score reflects the likelihood that you will repay what they lend you (i.e. mortgage, credit cards, car loans, student loans, etc.). Therefore, one of the most important ways to improve and keep a good credit score is to always, always pay your bills on time. Missing a payment or paying late even once will drop your credit score and if you make a habit of it, you will have bad credit. Paying on time makes up 35% of your credit score. Since you are going to be making payments anyway, it is very important

Right now one of the biggest debt you may have as a homeowner is a mortgage debt.

There are resources that can help fast track your progress in paying off your Home loans. You can take advantage of the various Money Management tools/apps. They become handy as they give you percentage adjustments that can help you attain your desired debt free future. The common adage says the journey of a thousand miles begins with a step. Let’s keep this easy. Make out time to draw a plan on how to generate funds by doing what you love. You might not hit a gold mine but the process of allowing your mind play on these thoughts can boost your

Too much outstanding debt: if your lenders see that you have too much debt, especially compared to your income, this will also destroy your credit score. Again, they will see that you cannot truly pay off your accounts. They consider you as being overextended and know that they probably won't get their money any time soon. This is a huge credit problem that you will want to avoid.

Many people with bad credit are in a doubly difficult position when it comes to accessing a loan because they are in the dark as to what lenders are looking for and how to make the changes needed to become more creditworthy. Just knowing that you have a so-called bad credit score is not enough, since there are many factors that go into the creation of that score. There are also several other aspects of your life and your credit that potential lenders will review. This article will give you some insight as to what lenders look for when they are assessing borrowers with bad credit.

Due to the recession, many households became financially burdened. As the economy suffered many people faced job loss or at the very least a decrease in income, therefore, leading to many foreclosures. Because of the impact a foreclosure has on one’s credit score, these individuals are not able to qualify for a new loan on another house. Fortunately there are other options in buying a house besides qualifying for a loan such as owner finance and rent-to-own.