A good credit rating is achieved by obtaining and maintaining a good relationship with creditors. This is simply accomplished by paying all our credit obligations on time, be it large or small. The longer the duration of repayment is, the better the rating becomes. Among the borrowers, If there exists a stronger record than yours, try to meet your debt obligations on time.

The credit is a three digit number that, depending on your history, can be anything between 350 to 950 points. The higher the number, the better the credit history is considered to be and therefore it becomes more likely for a new credit to be extended for that person.

A simple way to begin establishing credit is through a secured card. This type of credit card is such a one that is based on frozen funds in a savings account. These cards are requested at the same bank where you have your checking or savings account and are usually secured by the amount the creditor trusts that you can pay on time.

After several months of paying on time, the creditor will usually release the guarantee (the funds in the savings account) and you’ll be able to increase the amount available in the credit card.

Another way to begin to establishing credit is through an agent. An agent is a person who has an established credit history and is requesting for a new account along with you. The record of the other person acts as a guarantee for the creditor, and the creditor will normally extend credit for both.

After being registered with the companies that provide the credit (credit bureaus) for six months to a year, you can begin to request more credit.

By acquiring new credit wisely and completing it in time as you go on creating a good record, it is advisable not to apply for credit for more than five times per year, otherwise the rating may fall.

There are two basic types of accounts that can be extended by a creditor: Rotating accounts or revolving accounts, and accounts for a fixed term or installment accounts. In both the cases it is very important to pay on time, but in the rotating accounts (credit cards), it is very important to take care of the balance sheets.

The ideal is to remain below 30 percent of the available limit, and becoming more saturated than that in case of a card indicates to the creditor that the person is not managing well enough financially and is therefore likely to stop because he can not pay the balance.

Consequently, the more saturated the card or line of credit, the more rating will be lost.

In the case of fixed-term accounts (such as a mortgage or a car loan), the balance is not considered because one can not reuse after being paid such a loan. The important thing is to pay on time and do the necessary to settle the debt. With each payment on time, little by little, the rating will go up.

Credit is a good way to acquire property without having to save for paying in cash, however, it is important not to be overcrowded and only to apply for credits which you are sure you can handle.

If you start to have problems and pay late, it needs a lot of work to recover and those late payments and outstanding accounts are recorded for a time period of 7 to 10 years.

Remember, what matters is not to fund, but how you pay. In the world of credit, it has almost the same impact of a late payment on a credit card $ 10, as the settlement after payment of an order of $ 650.

Banks and financial institutions measure by risk, how risky is lending, i.e., how likely it is that the person will not pay them. The higher your score, the less risk you are going to be considered by the creditors and thus you will be of more interest and lower rates of interest will be offered to you.

That is why it is important that when you go to buy a house as a couple, make sure you have your credit rating as high as possible, because in the long run, you will have a lower interest rate which will make a lot of difference in the total cost of your purchase.

Love of course is not synonymous with marriage. Still, it is the most common reason cited for getting married, for going through all the preparations and expenses, not to mention the tension, for the big day.

There are a host of reasons why people go for marriage. Some do it for the feel of adventure, of the still unexplored. Yuppies who had in their twenties reconnoitered in the corporate terrain and found their niche therein turn to marriage in their thirties for the vision of stability it yields. After the wanderlust (which translated means job hopping), it is time to settle in the vale that is married life (a commonly held concept by the uninitiated).

Others see marriage as a safe harbor, a corner to nurse wounds inflicted by life, a place to heal and be whole again. Unfortunately when marriage turns awry, a life with another could wreck your sense of self and you wish you never got into the situation in the first place. Saddled with kids sand a chain of responsibilities in a marriage gone sour, it could be the coldest corner on earth where once were warmth and tenderness.

Like all good things in life, a good marriage is hard to come by. It is arrived at through much effort, some kind of trial and error. One woman defined a good marriage as “the process of falling in and out love with the same person – over and over again.” Rather than being a sort of steel band, it is more of an accordion. The motion of the accordion vividly impales the great dance of married life.

One unvarying pattern for good marriages exists. Judith Sills in her article The Rhythms of a Good Marriage says, “The pendulum does not swing between closeness and independence at random. Each day has its small swings… Marriage itself is one long, slow process of two people connecting deeply, separating to deal with life, and finally coming back to face other and share what they have learned.” Yet, most expect marriage to be one long, steady ride, a kind of total attachment from which occasional surfacing of emotional distance is terrifying.

Connection and separation, a link is established then cut, and the pattern is repeated again and again. “Picture the two of you standing close, face to face, absorbed in and by each other. You are wrapped together in your love, shutting out the world.” This is the first stage – the idyllic phase. As the years pass, the grip of attachment is diminished and you return to the world, strengthened by the connection. Distance after communion is part of the process. There is need for space after so much closeness, a need to be receptive to the world so when you return to the beloved, you bring an enriched and better you. “You are still holding hands – side by side as a unit – but now each of you is available to pay attention to the outside world. You have energy to devote to work, to creating a family, to independence, friends, activities and opinions.”

Marriage begins with intense intimacy, something not easy to sustain. In the first few months of marriage, you are super close to each other but as the days wear on, intrusive in – laws, needy friends and some crisis or another, easily disrupt the bind. What to do when this occurs? Sills advises couples to be ready for this predictable pulling apart. “Strong couples weather this natural transition from intense intimacy to side-by-side functioning. Then, if you live long enough and your marriage endures, you two will complete the circle: your children grow and leave. Your work diminishes in importance. The two of you turn once again to face each other in an intensely intimate bond. This time what connects you is not the passion and hope you saw in each other initially. Instead, you have the far richer bond of life you’ve built together.” This is what a successful married life is. Obstacles however abound.