New Credit Scoring Model Could Help Millions

Written by James Dimmitt

Mark and Beth, a young married couple in their twenties, established a goal to buy a home withinrepparttar first three years of their marriage before starting a family. They budgeted and used their money wisely in order to save forrepparttar 142427 down payment. Whenever they purchased something they always paid cash - no credit cards for them. Why waste money by paying interest to a credit card company ?

Within two years they’d reached their savings goal and began house hunting. They found their “American Dream” home in a new community with lots of amenities that seemed perfect for their soon-to-be family. They were elated that their years of saving were about to finally payoff.

But, they ran into a big problem when they went shopping for a mortgage. Even though they had enough income to make mortgage payments and enough money saved to affordrepparttar 142428 down payment, they had no credit history. Lenders had no FICO score to evaluate their creditworthiness in order to offer them a loan. Fair Isaacs Co. established a credit scoring system inrepparttar 142429 1980’s and since then FICO scores have been used to determine if someone will qualify for a mortgage andrepparttar 142430 interest rate they would pay.

Over 50 million U.S. adults fall intorepparttar 142431 same category - they have either too little credit history or no credit history at all. But now thanks to a new FICO formula, called FICO Expansion Score, lenders will now have opportunities to extend credit to consumers based on non-traditional credit data that are excluded from credit bureau reports.

FICO Expansion will consider a wide range of financial transactions including payment activities such as rental payments, deposit accounts, payday loans, book or CD club payment plans, and retail lay-away plans.

RPG:table and computer

Written by Efimov Peter

RPG: table and computer

It’s not a secret that table RPG games are not so popular as they used to be. However a certain number of amateurs are still fond of them. What is so particular about a pasteboard box or a book with rules? It seems that allrepparttar advantages have their ” younger computer brothers”: no manual calculations, no bricks (repparttar 142294 number of which is from one to almost 20). In general, no additional efforts are needed- just relax, play and don’t worry. But nothing ofrepparttar 142295 kind- groups of maniacs with burning eyes run torepparttar 142296 special shop( if there is any), buy another book, and having met in some dark place inrepparttar 142297 evening, start to crunch with pens and tinklerepparttar 142298 dice. Why are these poor things so attracted by this desperately ancient way of entertainment?

Let’s try to answer this question by displayingrepparttar 142299 most similar and different features of table and computer RPG. Firstly, any RPG is a Role Paying Game, which is supposed to have a character, and a system of his development. This feature is typical for bothrepparttar 142300 “brothers”. The character asrepparttar 142301 player’s realization inrepparttar 142302 created RPG world is very important. Your playing capabilities depend on his features. Secondly, any decent RPG is based on some world (sometimes, realistic but more often-fantastic one). The depth ofrepparttar 142303 world ( The card details, atmosphere entirety, detailed development ofrepparttar 142304 world components) and , so to say,repparttar 142305 mood (optimistic and colorful or destructive and gloomy, funny or extremely rigid, strict),- all this taken together definesrepparttar 142306 audience ofrepparttar 142307 game. These two points have a great meaning, they allowrepparttar 142308 player to associate himself with a certain character and being in his shoes to go throughrepparttar 142309 situations which are impossible in ordinary life. All this is very good but let’s return to our muttons: torepparttar 142310 difference between computer and table RPG. Probably, trite comparison of books and films will be torepparttar 142311 place here. The former make us use our brains and imagination,repparttar 142312 latter give us everything ready-made. The peculiarity of table RPG, its strong and atrepparttar 142313 same time weak point is hope for player’s imagination.. Inrepparttar 142314 classical table RPG you’ll find a text, some illustrations and… allrepparttar 142315 rest you should imagine yourself. It’s true, that duringrepparttar 142316 gaming process everything depends onrepparttar 142317 leader (Dungeon Master, Game Master, etc.) and onrepparttar 142318 players. The leader explainsrepparttar 142319 situation, describesrepparttar 142320 characters andrepparttar 142321 events orally (yes, he does it withrepparttar 142322 help of words!!!) andrepparttar 142323 players perceive this information judging from their abilities. What arerepparttar 142324 advantages of such a game play? They are quite evident: everyone perceivesrepparttar 142325 game in his own way (withrepparttar 142326 help of his imagination), but atrepparttar 142327 same time, ifrepparttar 142328 game is rather good, a special “field” of common perception and mood is formed. It’s not an allegation asrepparttar 142329 author has great experience of playing table RPG and so he knows all ins and outs. Whenrepparttar 142330 game has a success,repparttar 142331 players seem to be inrepparttar 142332 same “information field” and sometimes they don’t even perceiverepparttar 142333 events in real life. It’s just like reading a thrilling book. But sometimes such beauty turns into a terrible thing. What is so horrible about it? The trouble is,repparttar 142334 game may be a complete failure if it’s leaded by a talentless and not very experienced master, or ifrepparttar 142335 players turn out to be so-so (that is less critical). In such a caserepparttar 142336 game fails no matter how beautifulrepparttar 142337 original RPG world is. Everything gets wrong when after each wordrepparttar 142338 master utters: ”well, eh, oh…” and it takesrepparttar 142339 players 10 minutes to think over each further act. The game reaches a deadlock, a perfect illusion is breaking intorepparttar 142340 small pieces of separate sentences. I must admit, sometimes it’s all RPG developers ‘fault that such failures take place, especially whenrepparttar 142341 rules ofrepparttar 142342 game aren’t logical or overcharged with unnecessary details. Mayrepparttar 142343 fans forgive me, butrepparttar 142344 last timerepparttar 142345 author had to play AD&D, there was such a situation: -Player:” I want to kill that Gobline!” -Master: ”throwrepparttar 142346 dice for marksmanship. Uph, you shoot inrepparttar 142347 darkness-that means,repparttar 142348 fine should be taken into account. Well.. have you gotrepparttar 142349 bonus? Aha…I’ll find it, wait a bit… Oh… throw these three bricks on D-20,…Hmmm…where is that table? OK, we are going to count allrepparttar 142350 damages and take into account his armor andrepparttar 142351 spell and that’s all!” I don’t say everything was exactly so, but onrepparttar 142352 whole-justrepparttar 142353 way I described. What absorption into fantastic world can we talk about if you have to remember 20 figures and throwrepparttar 142354 dice dozen times for each act! But not allrepparttar 142355 table games have such a disadvantage. Besides, we may ignore too “hard” rules.

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