She got into feeling of authority quickly and orders didn’t stop, “Sit right here!” “Sit right here!” “Sit right here!” Over and over, I would sit where she wanted and each time, her eyes would light up and her smile clearly conveyed feeling of accomplishment.

As I write this story, I am reminded of how speaking requires not only a speaker but a listener. I am so happy I was able to hear what Bella had to say. How many times in past have people tried to communicate with me and I never heard what was said? Maybe that’s one of benefits of being a grandparent, maybe we finally take time to “Get it!”

4. Being a co-signer doesn't make you responsible for account - When you open a joint account, co-sign on a loan or become an authorized user on someone's credit card, you are taking on legal responsibility for account. Any activity on these shared accounts, good or bad, will show up on both people's credit reports. If you co-sign for a friend's auto loan and they don't make payments, your credit profile will be hurt by their actions and visa versa. The only way to stop this double reporting is to refinance loan or to have creditor officially remove you from account.

5. Paying off a debt will add 50 points to your credit score - Yourcredit score is calculated using a complex algorithm that takes into account hundreds of factors and values. It is very hard to predict how many points you can gain by changing one factor. For a person with a high credit score, just one late payment can cause a significant drop. If a person has a low credit score, it may not cause a large drop at all. There is no magical way to improve your credit score, just keep paying your bills on time, reducing your debts and removing negative inaccuracies from your credit report. Good financial behavior and time are two most important factors on your credit score.