The Power In A Gathering Of Women

Written by Eileen McDargh, CSP, CPAE


Forget "fight or flight" asrepparttar only duo of responses inrepparttar 130599 face of stress. For women, there's a third response: "befriend". A landmark UCLA study turned five decades of stress research on its head withrepparttar 130600 revelation that a cascade of brain chemicals gives women a larger behavioral repertoire when confronted with stress. The hormone oxytocin is released as part ofrepparttar 130601 stress response in women. It controlsrepparttar 130602 fight/flight response and, instead, encourages her to tend children and gather with other women.

Accordingly to co-researcher Dr. Laura Cousino Klein, now assistant professor of bio-behavioral health at Penn State,repparttar 130603 study suggests that this "tending and befriending" response to oxytocin produces a calming effect. Although it will take new studies to reveal allrepparttar 130604 ways in which oxytocin encourages women to care for children and band together, it might also explain why women consistently outlive men.

I have addressed numerous women's conferences and corporate networks of women and I can attest torepparttar 130605 observable behavior that participants leave these sessions feeling stronger, encouraged, and positive. I believe they also leave healthier. The famed Nurses Health Study from Harvard Medical School found thatrepparttar 130606 more friends people have, they less likely they are to develop physical ailments andrepparttar 130607 more likely they are to cope better with challenges.

Like It Or Not, You Have A Score To Settle!

Written by www.creditandyou.com


Like It Or Not, You Have A Score To Settle! (Part 1 of 2 on Credit Scoring) by http://www.creditandyou.com

Just when most people finish with school and can stop worrying about test scores, there’s a new kind of scoring that entersrepparttar picture. It’s called credit scoring. And, its impact on your financial future can mean more to you than a college degree.

You may never know your precise credit score, but you need to know if you’re at risk! Credit Scoring ... Why It’s So Important: Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans.

Precisely what is credit scoring?

Credit scoring is a system creditors use to help determine whether to give you credit. Information about you and your credit experiences, such as bill-paying history,repparttar 130597 number and type of accounts you have, late payments, collection actions, outstanding debt, and age of your accounts is collected from credit applications and your credit report.

Using a statistical program, creditors compare this information torepparttar 130598 credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. Total number of points (credit score) helps predict how creditworthy you are; how likely it is that you will repay a loan and make payments when due.

You may never know your precise credit score, but you need to know if you’re at risk!

Why is credit scoring used?

Credit scoring is based on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applications objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals. To develop a model, a creditor selects a random sample of its customers (or a sample of similar customers if their sample is not large enough), and analyzes it statistically to identify characteristics that relate to creditworthiness. Then, each of these factors is assigned a weight based on how strong a predictor it is of who would be a good credit risk.

Each creditor may use its own credit scoring model, different scoring models for different types of credit, or a generic model developed by a credit scoring company. How reliable isrepparttar 130599 credit scoring system?

Credit scoring systems enable creditors to evaluate millions of applicants consistently and impartially on many different characteristics. But to be statistically valid, credit scoring systems must be based on a big enough sample. Remember that these systems generally very from creditor to creditor. Although you may think such a system is arbitrary or impersonal, it can help make decisions faster, more accurately, and more impartially than individuals when it is properly designed.

In fact, many creditors design their systems so that, in marginal cases, applicants whose scores are not high enough to pass easily, or are low enough to fail absolutely are referred to a credit manager who decides whetherrepparttar 130600 company or lender will extend credit. This may allow for discussion and negotiation betweenrepparttar 130601 credit manager andrepparttar 130602 consumer. What happens if you are denied credit or don’t getrepparttar 130603 terms you want?

Forrepparttar 130604 answer to that crucial question and how to improve your credit score, be sure to read Part II of “Like It Or Not, You Have A Score To Settle.”

Credit and You are a group of expert on credit andrepparttar 130605 authors of “CREDIT AND YOU ... Secrets To Improving Your Credit Rating.” Feel free to pass this article along to family and friends. And be sure to pick up your FREE 7 day course on “Credit Basics” at http://www.creditandyou.com

Copyright © 2002-2003 Credit and You | All Rights Reserved |

Like It Or Not, You Have A Score To Settle! (Part 2 of 2 on Credit Scoring) by Credit and You.com

In part 1, we coveredrepparttar 130606 basics about credit scoring – what it is and how it is calculated. It’s time to addressrepparttar 130607 critical question ...

What happens if you are denied credit or don’t getrepparttar 130608 terms you want?

The Equal Credit Opportunity Act requires thatrepparttar 130609 creditor give you a notice either withrepparttar 130610 specific reasons your application was rejected, or stating that you haverepparttar 130611 right to learnrepparttar 130612 reasons if you ask within 60 days.

NOTE: Indefinite and vague reasons for denial are illegal, so askrepparttar 130613 creditor to be specific. If you were denied credit because you are too near you credit limits on your charge cards, or you have too many credit card accounts, you may want to reapply after paying down your balances or closing some accounts. Credit scoring systems consider updated information and change over time. You also can be denied credit because of information from a credit report. If so,repparttar 130614 Fair Credit Reporting Act requiresrepparttar 130615 creditor to give yourepparttar 130616 name, address and phone number ofrepparttar 130617 credit reporting agency that suppliedrepparttar 130618 information. You should contact that agency to find out what your report contains.

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