Something New

Hello Everyone,

So, I have registered for my first class and I start tonight. It's Anatomy and Physiology. The Medical Transcription program has several courses I can take ahead of time, which means a lighter course load (and more hours for employment) next fall.

That is, if I get in. They only accept up to 20 students and this year, they only accepted 15. It's industry driven and there were more jobs than graduates last year (which is great for job prospects). I filled out my application form on Saturday and spoke with an instructor.

I decided to take some courses ahead of time before I make my final decision to enroll. That way, I have a better idea of the course load, can I still make it as an in-class student, and is this information I can learn. I didn't take biology in high school - just chemistry, so my experience in medical stuff is the first aid manuals and watching Grey's Anatomy.

Here goes testing the waters...

Have a great day!

How Credit Scores Work

Hello Everyone,

I received a flyer from a financial advisor about how credit scores work. This is based on the FICO score, which is a unique number between 300 and 900, used by Equifax and TransUnion.

From your score...

35% payment history (do you pay your bills on time)
30% amount owed (how close are you to your credit limit)
15% length of credit history (how long have your accounts been active)
10% new credit (how many accounts have been opened recently)
10% types of credit used (mortgage, revolving - credit card, auto loan)

You can request your credit score report for free by mail if you go to www.transunion.ca or www.equifax.com/home/en_ca.

It's been a couple years since I got my last one so it's about time for a new one. Financial advisors usually recommend checking it every year or so.