New Credit Scoring Model Could Help Millions

Written by James Dimmitt

Continued from page 1

Who stands to benefit from this new scoring model? Anyone who makes little use of banks, credit cards, or checking accounts. The “credit underserved” claims Fair Isaac Co, which includes young adults, low-income consumers, widows or divorcees, and immigrants. And while those inrepparttar credit card and mortgage industry see this new scoring model as a potential benefit, those inrepparttar 142427 credit counseling sector foresee potential problems.

Fair Isaac CEO Tom Grudnowski is excited about his company’s new credit-scoring resource. “This extension ofrepparttar 142428 FICO score gives lenders and other businesses another powerful tool ..., while expanding service options for consumers who have missed out on opportunities simply because they lack a traditional credit history.”

The opposition, namely debt and credit counselors, see bothrepparttar 142429 good andrepparttar 142430 bad. Some consumers will benefit by qualifying for less costly credit arrangements. However, others could fall prey to becoming overextended unless they also receive some basic credit and debt education.

Tom Hicks, a credit counselor in Chicago, worries that “withrepparttar 142431 average American household owing $8,000.00 in credit debt, this could openrepparttar 142432 door to others finding themselves unable to handle credit properly. Ultimatelyrepparttar 142433 burden lies withrepparttar 142434 consumer,” he says.

Fair Isaac Co. estimates that at least half of those without traditional credit profiles will benefit from this new scoring method.

© 2005, Author: James H. Dimmitt James is editor of “To Your Credit” a FREE weekly newsletter focusing on managing your personal finances and credit. Subscribe and get a FREE copy of your credit report when you visit:

RPG:table and computer

Written by Efimov Peter

Continued from page 1
Now let’s analyze what we have in computer RPG. Fromrepparttar first look everyt5hing is justrepparttar 142294 same-the game system, characters,repparttar 142295 game world. But all these things are already made, you can seerepparttar 142296 picture with your eyes. Is it good or bad? It depends. By all means, it’s pleasant to see “visual” character, a charming landscape, fire from shots, etc. But your own brains don’t work any longer since there’s no necessity in it. Besides, we won’t see “our own world”. We perceive things as they should be fromrepparttar 142297 game developers’ point of view. Their way of perception becomes ours as well. You will never be able to seerepparttar 142298 world with your own eyes and makerepparttar 142299 character really yours, no matter how hardrepparttar 142300 developers tried to improverepparttar 142301 game. Such a situation has two consequences: 1)Tragic one: your imagination is completely blocked and you don’t likerepparttar 142302 others’ vision.( such a situation is typical forrepparttar 142303 most of projects). 2)Pleasant one: some painters and designers create real masterpieces and we can’t but admire their world vision ( here you perfectly understandrepparttar 142304 difference between your plain brains and a talented professional’s work). But are there many games like that inrepparttar 142305 second point? Frankly speaking, I know only one-Fallout. And I appreciate notrepparttar 142306 graphics but amazing style, exact place of every button, picture, character. Let’s also mention incontestable advantage of computer RPG. It deals with those calculations which make so many table RPG boring. Computer will calculate allrepparttar 142307 fines, bonuses and character’s features in a flash. Strange as it may seem but computer games are based just onrepparttar 142308 table systems andrepparttar 142309 developers ofrepparttar 142310 former ones don’t aim to overcharge machines with numerous correlations and parameters. At last we’ve come to a very sensitive problem ofrepparttar 142311 computer RPG- opportunities provided inrepparttar 142312 game. Sometimes playing RPG onrepparttar 142313 computer you may suddenly want to actrepparttar 142314 way not offered byrepparttar 142315 plot ofrepparttar 142316 game. ( to look intorepparttar 142317 hatch which is pictured onrepparttar 142318 background or to takerepparttar 142319 car you are not allowed to). I am sure that such things are familiar to every gamer. It’s great ifrepparttar 142320 plot andrepparttar 142321 locations are well considered. And what if they are not ( as it happens more often)? We must admit thatrepparttar 142322 developers of computer games are constantly improvingrepparttar 142323 gamer’s opportunities inrepparttar 142324 installed worlds. But ifrepparttar 142325 direction is not perfect,repparttar 142326 game turns into hard work and it makesrepparttar 142327 player take advantage of allrepparttar 142328 improvements (even if he is not willing to). Table RPG is another matter:repparttar 142329 action there is equal to one word, no talks linearity ( you can communicate withrepparttar 142330 leaderrepparttar 142331 way you like), no plot linearity ( you can do what you like until you are killed). Full freedom ofrepparttar 142332 decisions and actions provided by table RPG will never be substituted by any perfect program. Here you can act as you like. Besides,repparttar 142333 standard ofrepparttar 142334 game can be easily changed. For example, I can tell you from my own experience that once I startedrepparttar 142335 game as a guard (pure RPG adventure) and finished as an emperor (RPG+tactics+strategy). That’s it. It’s for you to judge what is better. What and how to play is also for you. But I’d like to say (from my own experience again) that table RPG develop our brains while computer ones don’t. A friend of mine being an active table player suddenly began reading books( he didn’t use to do it since his childhood). He started to read not classical masterpieces or since fiction. That was fantasy. But anyway he began READING, and that’srepparttar 142336 point. Another my friend got used to computer and became a real fan and gamer. Now I constantly see black areas under his eyes and our communication is bothered by a turned on PC. Of course, these are separate examples andrepparttar 142337 author must admit, he is addicted to computer RPG . But nevertheless it’s table RPG which gives usrepparttar 142338 opportunity to communicate and improve. That ‘s what allrepparttar 142339 author’s life experience tells about.

P.S. I’m ready to an open discussion ofrepparttar 142340 topic. You are free to write your thoughts to me. Byrepparttar 142341 way, an interesting question: does anybody seerepparttar 142342 opportunity to combinerepparttar 142343 two kinds of RPG described above? What if there isrepparttar 142344 golden mean? What if there is?

About the Author-Efimov Peter is a game designer of White Elephant, a great collection of shareware games. Please, visit his site for only best games for you and your children!

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