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Cool Credit Rating images

Cool Credit Rating images

Some cool credit rating images:

A Ring of Black Holes (NASA, Chandra, 02/09/11)
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Image by NASA’s Marshall Space Flight Center
Just in time for Valentine’s Day comes a new image of a ring — not of jewels — but of black holes. This composite image of Arp 147, a pair of interacting galaxies located about 430 million light years from Earth, shows X-rays from the NASA’s Chandra X-ray Observatory (pink) and optical data from the Hubble Space Telescope (red, green, blue) produced by the Space Telescope Science Institute (STScI) in Baltimore, Md.

Arp 147 contains the remnant of a spiral galaxy (right) that collided with the elliptical galaxy on the left. This collision has produced an expanding wave of star formation that shows up as a blue ring containing in abundance of massive young stars. These stars race through their evolution in a few million years or less and explode as supernovas, leaving behind neutron stars and black holes.

A fraction of the neutron stars and black holes will have companion stars, and may become bright X-ray sources as they pull in matter from their companions. The nine X-ray sources scattered around the ring in Arp 147 are so bright that they must be black holes, with masses that are likely ten to twenty times that of the Sun.

An X-ray source is also detected in the nucleus of the red galaxy on the left and may be powered by a poorly-fed supermassive black hole. This source is not obvious in the composite image but can easily be seen in the X-ray image. Other objects unrelated to Arp 147 are also visible: a foreground star in the lower left of the image and a background quasar as the pink source above and to the left of the red galaxy.

Infrared observations with NASA’s Spitzer Space Telescope and ultraviolet observations with NASA’s Galaxy Evolution Explorer (GALEX) have allowed estimates of the rate of star formation in the ring. These estimates, combined with the use of models for the evolution of binary stars have allowed the authors to conclude that the most intense star formation may have ended some 15 million years ago, in Earth’s time frame.

These results were published in the October 1st, 2010 issue of The Astrophysical Journal. The authors were Saul Rappaport and Alan Levine from the Massachusetts Institute of Technology, David Pooley from Eureka Scientific and Benjamin Steinhorn, also from MIT.

NASA’s Marshall Space Flight Center in Huntsville, Ala., manages the Chandra program for NASA’s Science Mission Directorate in Washington. The Smithsonian Astrophysical Observatory controls Chandra’s science and flight operations from Cambridge, Mass.

Credits: X-ray: NASA/CXC/MIT/S.Rappaport et al, Optical: NASA/STScI

Read entire caption/view more images: chandra.harvard.edu/photo/2011/arp147/

Caption credit: Harvard-Smithsonian Center for Astrophysics

Read more about Chandra:
www.nasa.gov/chandra

p.s. You can see all of our Chandra photos in the Chandra Group in Flickr at: www.flickr.com/groups/chandranasa/ We’d love to have you as a member!

Spiral Galaxy NGC 3627 (NASA, Chandra, 12/13/12)
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Image by NASA’s Marshall Space Flight Center
The spiral galaxy NGC 3627 is located about 30 million light years from Earth. This composite image includes X-ray data from NASA’s Chandra X-ray Observatory (blue), infrared data from the Spitzer Space Telescope (red), and optical data from the Hubble Space Telescope and the Very Large Telescope (yellow). The inset shows the central region, which contains a bright X-ray source that is likely powered by material falling onto a supermassive black hole.

A search using archival data from previous Chandra observations of a sample of 62 nearby galaxies has shown that 37 of the galaxies, including NGC 3627, contain X-ray sources in their centers. Most of these sources are likely powered by central supermassive black holes. The survey, which also used data from the Spitzer Infrared Nearby Galaxy Survey, found that seven of the 37 sources are new supermassive black hole candidates.

Confirming previous Chandra results, this study finds the fraction of galaxies found to be hosting supermassive black holes is much higher than found with optical searches. This shows the ability of X-ray observations to find black holes in galaxies where relatively low-level black hole activity has either been hidden by obscuring material or washed out by the bright optical light of the galaxy.

The combined X-ray and infrared data suggest that the nuclear activity in a galaxy is not necessarily related to the amount of star-formation in the galaxy, contrary to some early claims. In contrast, these new results suggest that the mass of the supermassive black hole and the rate at which the black hole accretes matter are both greater for galaxies with greater total masses.

A paper describing these results was published in the April 10, 2011 issue of The Astrophysical Journal. The authors are Catherine Grier and Smita Mathur of The Ohio State University in Columbus, OH; Himel GHosh of CNRS/CEA-Saclay in Guf-sur-Yvette, France and Laura Ferrarese from Herzberg Institute of Astrophysics in Victoria, Canada.

NASA’s Marshall Space Flight Center in Huntsville, Ala., manages the Chandra program for NASA’s Science Mission Directorate in Washington. The Smithsonian Astrophysical Observatory controls Chandra’s science and flight operations from Cambridge, Mass.

Read entire caption/view more images: chandra.harvard.edu/photo/2012/ngc3627/

Image credit: NASA/CXC/Ohio State Univ./C.Grier et al.; Optical: NASA/STScI, ESO/WFI; Infrared: NASA/JPL-Caltech

Caption credit: Harvard-Smithsonian Center for Astrophysics

Read more about Chandra:
www.nasa.gov/chandra

p.s. You can see all of our Chandra photos in the Chandra Group in Flickr at: www.flickr.com/groups/chandranasa/ We’d love to have you as a member!

_____________________________________________
These official NASA photographs are being made available for publication by news organizations and/or for personal use printing by the subject(s) of the photographs. The photographs may not be used in materials, advertisements, products, or promotions that in any way suggest approval or endorsement by NASA. All Images used must be credited. For information on usage rights please visit: www.nasa.gov/audience/formedia/features/MP_Photo_Guidelin…

Credit Rating basics

Credit Rating basics

< iframe size="425" elevation="355" src="https://www.youtube.com/embed/ZAeGYORSRkA?rel=0" frameborder="0" allowfullscreen > Discover what a credit rating bureau rating is, and also how it is utilized by banks as well as various other companies to identify if and also how they associate with you.

Call a credt agency to evaluate your credit rating – Equifax or TransUnion:
http://www.equifax.ca
http://www.transunion.ca/

How To Improve Your Credit Score / Rating

How To Improve Your Credit Score / Rating

How To Improve Your Credit Score / Rating

Here are some tips on how to improve your credit score/ rating.

You can obtain your credit report from:

http://www.experian.co.uk/
http://www.equifax.co.uk/Products/credit/credit-score.html?cmp=generic|creditreport|creditreportvolume_exact|&gclid=CL_iu_Ww4MUCFc_ItAod7VEAFQ&gclsrc=aw.ds

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Credit Rating Check: Top 3 Ways to enhance Your Credit Rating

Credit Rating Check: Top 3 Ways to enhance Your Credit Rating

Your credit history is determined by a credit reference agency. The agency will carry out a credit rating check by compiling information predicated on multiple resources, for instance the electoral part, monetary information and court records. These records is sold onto loan providers who will put it to use to choose whether to lend cash or just what deals to offer to your buyer.

While many individuals are provided bad credit ratings as a result of defaults on payments or other questionable monetary task, others cannot obtain good credit score despite a consistently trustworthy financial history. Reasons for this could easily feature not having lent money prior to, giving a lack of evidence to show reliability, not being in the electoral role and having relocated house frequently.

If you have been given a negative credit rating and would like to improve it, you should check your own credit report and ask for any errors to-be amended. If there are no blunders however you will always be registering a bad credit rating, you can start off with one of these three measures and you will soon be on the path to a more favorable credit score check.

1) sign-up to vote

if you should be not on the electoral role, credit research agencies is almost certainly not capable of finding you. Without being in a position to measure your credit history, financial institutions will likely be hesitant to provide and you’ll have trouble having the mortgage, loan or bank-account you’re after. In the event that you register to vote, you may then be on the electoral role. Which means that the companies can carry out a credit score check into you.

2) Cancel unused charge cards

While it is good to have credit cards if you pay back the outstanding balance in full every month, having a lot of bank cards simultaneously can be bad for your credit history. Chop up and get rid of any bank cards that you do not use as closing these reports, with any unused bank reports, can have an optimistic impact on your credit rating. Once you’ve done this, contact a credit score company and let them know you’ve got closed the account to be sure it was taken out of your file.

3) Pay your expenses on time

This guideline applies, as you would anticipate, to credit card repayments and loan repayments, but additionally to your other bills. Its advisable that you have utility bills within title because explains have a hard and fast target, that will be great news for the credit rating. However, once they’re in place, it is vital to pay for all expenses punctually. Mobile, fuel and electric bills, as an example, tend to be kinds of credit therefore not spending these on time will appear when it comes to a credit score check.

It may be beneficial to use direct debits to ensure the repayments get to time, this can in addition conserve money in the expenses on their own. In the event that you choose this method, always make sure there is money available in your account to pay for the direct debits regarding the designated dates.

Also…

various other crucial steps to simply take include having a landline, as this teaches you’re secure and also at a set address, and ensuring you fill out your details properly on any application that will be about getting a credit score associated loan, home loan or account.

Credit alternatives makes it possible to make a credit rating check and gain guidance and here is how to enhance your credit score.
How You Can Construct Up Your Credit scores Ranking

How You Can Construct Up Your Credit scores Ranking

credit rating
by NASAblueshift Back in the late 1950’s, a firm

named Fair Isaac created a method to designate a number to customers that would show their credit scores worthiness which we understand today as the credit report score. It is a three digit number that tells possible lending institutions if you are a great credit rating danger or a bad credit rating danger. Your credit history ranking makes the distinction between whether you can get a line of debt or a loan.The debt ranking is a picture of whatever you’ve ever done pertaining to using credit rating and your payment background. Fair Isaac Business( FICO)puts together all this info and afterwards applies a difficult mathematical formula that determines your credit report ranking. The formula is not public knowledge and also this is finished with the true blessing of the Federal Trade Commission.Today, the average credit report rating throughout America is 720 and also if your debt ranking is above this you will be considered credit scores worthwhile. This causes you having extra chance of being given credit rating or a loan. Nonetheless, there are many Americans who do not have such a high credit report ranking and their own will certainly go down listed below 630. This will certainly suggest that they may be refused credit score or a loan arrangement, or they might have to pay far more boosted credit score terms.Now lending institutions typically recognize that points take place in life that can not be stayed clear of. If your reduced credit rating is because of too much clinical bills or life-altering events that reflect improperly on your credit scores report, you could have the ability to chat with them and also give paperwork and still obtain authorized. That’s why it is very important to monitor your credit rating report and attach notes to clarify anything that reflects inadequately versus you.You will also need to think about that keeping your credit report ranking as high as possible should be an objective of your own. You will certainly should comprehend that this will certainly consist of paying your expenses when they’re due, not overspending, not having a great deal of credit rating card debt, as well as not investing like there’s no tomorrow using credit rating. It is likewise a good idea to check your credit history record at the very least every year to earn sure there are no mistakes which if there are any kind of mistakes you will certainly have the ability to fix them to bring your scores down.You may be among the individuals that does not like the idea of companies holding financial information on you and your monetary background boiling down to a three digit number. However, the industry that rule the credit and economic world want details on you so that they could choose if you are worthwhile of
credit scores. If you are in the placement to be seeking to obtain a home loan for a house or a financing for a cars and truck, after that you will require to have a reasonably great credit history score that is at the very least 675. You will should take into consideration though that this is a figure to attain to and also hand down your means to financial credit report rating excellence.You ought to think about all of the various actions as well as safety measures you require to take that will aid you develop your debt ranking to be 750 or even more, which you ought to be planning to accomplish over the following year or so, simply in situation you wish to get credit rating. Ray is an eager advisor over the best ways to construct up my credit score ranking and also assist people understand that they have the ability to manage how they are regarded. Also, he is enthusiastic concerning the changing aspects that enter into a raising my credit score rating, as people search for extra positive terms for their monetary contracts.

Default Risk and Credit Rating : Financial control : MBA

Default Risk and Credit Rating : Financial control : MBA

** in Hindi **
Credit Score:
a credit rating is an assessment regarding the credit worthiness of a debtor, particularly a business (organization) or a government, yet not individual customers. The analysis is manufactured by a credit rating agency regarding the debtor’s capacity to pay back the debt together with probability of standard.[3] Evaluations of individuals’ credit worthiness tend to be known as credit scoring and done by credit agencies, or credit rating reporting agencies, which issue credit ratings.
Credit ratings tend to be decided by credit ratings companies. The credit score represents the credit score company’s analysis of qualitative and quantitative information for a company or government; including non-public information gotten by the credit history agencies’ experts.
Credit scoring aren’t according to mathematical treatments. Rather, credit rating agencies make use of their particular view and experience in deciding exactly what general public and personal data should be considered in giving a rating to a specific organization or federal government. The credit history is used by individuals and organizations that choose the bonds granted by organizations and governing bodies to look for the probability that federal government can pay its relationship responsibilities.
An unhealthy credit history suggests a credit score company’s viewpoint that organization or government has a high danger of defaulting, based on the company’s analysis of entity’s record and evaluation of future financial customers.

Default Threat:
The big event which organizations or individuals would be incapable of result in the necessary repayments to their debt burden. Loan providers and people are exposed to default risk in practically all kinds of credit extensions. To mitigate the effect of default risk, lenders usually charge prices of return that match the debtor’s degree of standard danger. The greater the chance, the bigger the mandatory return, and vice versa.
CRISIL, CARE, ICRA

Standard measurement tools to assess standard danger include FICO ratings for credit, and credit scores for corporate and government debt issues. Credit ratings for financial obligation issues are offered by Nationally known Statistical Rating Organizations (NRSROs), such as traditional & bad’s, Moody’s and Fitch reviews.

Nice Credit Rating photos

Nice Credit Rating photos

A few nice credit rating images I found:

Credit Rating
credit rating
Image by Mike Monteiro

France-001817 – Forgot to Water it………..
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Image by archer10 (Dennis) 93M Views
PLEASE, NO invitations or self promotions, THEY WILL BE DELETED. My photos are FREE to use, just give me credit and it would be nice if you let me know, thanks.

On the way down from the top.
——————————————————————————

This is huge and hard to walk on as the sand is so fine.

The dune is a famous tourist destination with more than one million visitors per year.

At its southern entrance from the Atlantic ocean, Arcachon Bay is crowned by Europe’s largest sand dune, the Dune du Pilat, nearly 3 kilometres (1,86mi) long, 500m (1,640ft) wide, reaching 110m (361ft) in height, and moving inland at rate of 5m (16.4ft) a year.

Cool Credit Rating images

Cool Credit Rating images

Some cool credit rating images:

white sneakers
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Image by joiseyshowaa
The rides keep spinning even after the season ends.
Amusement Park in Point Pleasant NJ.

www.joiseyshowaa.com

Web sites using this photo:
Banner for squirrefood music blog
www.girlsjustwannahavefunds.com/2008/04/carnival-of-perso…
www.inspirationaljournal.com/archives/inspirational-stori…
flickrcc.bluemountains.net/index.php?terms=board sea&page=2&edit=yes&com=no
fiveprime.org/hivemind/Tags/tiltawhirl
blog.zeer.com/
www.admissionsquest.com/onboardingschools/2008/09/the-adm…
mapadigital.net/
Cover of: www.greatdestinationsnj.com/
bestofnj.com/2009/04/19/seaside-music-fest-may-14-15-16-17/
www.bizzia.com/yieldingwealth/personal-finance-carnival-fun/
www.bripblap.com/2009/farewell-new-jersey/
www.kristidaeda.com/2009/05/22/great-career-reads-career-…
theholycause.blogspot.com/
ladiesroom.fr/2009/05/18/tendance-voyage-le-voyage-feminin/
jrsy.tumblr.com/
talentedapps.wordpress.com/2009/07/09/the-carnival-of-hr-…
www.wisebread.com/node/3376
themaddychronicles.wordpress.com/2010/01/20/reflecting-on…
novembersunflower.com/2010/10/the-35th-annual-riverhead-c…
www.projectcasting.com/how-to-land-your-audition/
www.projectpb.net/blog/index.php/personal_finance/getting…
www.projectpb.net/blog/index.php/personal_finance/take-a-…
www.projectpb.net/blog/index.php/personal_finance/you-nee…http://www.thebestlotterysyndicate.com/
www.insidepersonalfinance.com/finance-companies-in-india-2/
www.golocalpdx.com/lifestyle/what-to-wear-at-the-oregon-s…
www.personalfinanceplanet.com/finance-companies-in-india-2/
devinedisorderrecords.info/tag/credit-rating/
doubleledger.com/searching-for-personal-finance-methods-t…

Always be a first-rate version of yourself instead of a second-rate version of somebody else
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Image by symphony of love
Always be a first-rate version of yourself, instead of a second-rate version of somebody else.

– Judy Garland (more Judy Garland love quotes and sayings)

This is also features at OM | Rekindling the Light Within

Original photo credit: Nomadic Lass

A Bold Color Scheme for a Bold Client
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Image by Jeremy Levine Design
www.youtube.com/watch?v=18r94QQ10qc

Sustainable Systems and Green Materials

Sustainable Systems and Green Materials
1) Photovoltaic solar energy system
2) Grey water recycling system – takes water from the -bathroom sinks and showers, and the washing machine, filtering it and pumping it to the fruit trees in the garden
3) Rain water collection system
4) Passive Cooling – uses low windows on the windward side and high windows on the leeward side of the house. Cross ventilation is maximized by eliminating most of the interior walls and aligning windows and sliding glass doors. Ceiling fans are distributed across the ceiling to move the warm air out when there is no natural breeze.
5) In order to reduce the size of the house, we used efficient efficient custom storage system of movable shelves and cabinets runs through the length of the house. This allows for a smaller, but smarter building.
6) Natural Daylighting – uses interior clerestory windows and transoms to allow all of the rooms to borrow light from each other.

Materials
1) recycled flooring for the first structure, patched together and left roughly finished.
2) plywood floors for the second structure
3) Ceilings of both structures are plywood, cut into horizontal boards.
4) Composite decking made of recycled content.
5) All of the Interior doors are made of recycled flooring from the existing house
6) Poured in place concrete countertops in the kitchen and bathrooms, use recycled fly ash
8) Non VOC Paints and Stains
9) All plumbing fixtures are low-flow energy efficient
10) All electrical appliances are energy star rated
-LED and fluorescent lighting fixtures
11) Ductless Mini-Split HVAC system zoned for maximum efficiency

Credits:
Jeremy Levine Design
Designer: Jeremy Levine, Assoc. AIA, Principal
Associate Designer: Jonathon Pickup
Structural Engineer: Micheal Ciortea
General Contractor: Juan Macias Construction
Photography by Tom Bonner

Nice Credit Rating photos

Nice Credit Rating photos

Some cool credit rating images:

LADEE Above Lunar Sunset Artist’s Concept
credit rating
Image by NASA Goddard Photo and Video
Artist’s concept of NASA’s Lunar Atmosphere and Dust Environment Explorer (LADEE) spacecraft in orbit above the moon as dust scatters light during the lunar sunset.

Credit: NASA Ames / Dana Berry

—–

What is LADEE?
The Lunar Atmosphere and Dust Environment Explorer (LADEE) is designed to study the Moon’s thin exosphere and the lunar dust environment. An "exosphere" is an atmosphere that is so thin and tenuous that molecules don’t collide with each other. Studying the Moon’s exosphere will help scientists understand other planetary bodies with exospheres too, like Mercury and some of Jupiter’s bigger moons. The orbiter will determine the density, composition and temporal and spatial variability of the Moon’s exosphere to help us understand where the species in the exosphere come from and the role of the solar wind, lunar surface and interior, and meteoric infall as sources. The mission will also examine the density and temporal and spatial variability of dust particles that may get lofted into the atmosphere.

The mission also will test several new technologies, including a modular spacecraft bus that may reduce the cost of future deep space missions and demonstrate two-way high rate laser communication for the first time from the Moon.

LADEE now is ready to launch when the window opens on Sept. 6, 2013. Read more: www.nasa.gov/ladee

NASA image use policy.

NASA Goddard Space Flight Center enables NASA’s mission through four scientific endeavors: Earth Science, Heliophysics, Solar System Exploration, and Astrophysics. Goddard plays a leading role in NASA’s accomplishments by contributing compelling scientific knowledge to advance the Agency’s mission.

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X Class Solar Flare Sends ‘Shockwaves’ on The Sun [hd video]
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Image by NASA Goddard Photo and Video
NASA image captured March 6, 2012

To view a still image from this event go to: www.flickr.com/photos/gsfc/6961978265

The sun erupted with one of the largest solar flares of this solar cycle on March 6, 2012 at 7PM ET. This flare was categorized as an X5.4, making it the second largest flare — after an X6.9 on August 9, 2011 — since the sun’s activity segued into a period of relatively low activity called solar minimum in early 2007. The current increase in the number of X-class flares is part of the sun’s normal 11-year solar cycle, during which activity on the sun ramps up to solar maximum, which is expected to peak in late 2013.

About an hour later, at 8:14 PM ET, March 6, the same region let loose an X1.3 class flare. An X1 is 5 times smaller than an X5 flare.

These X-class flares erupted from an active region named AR 1429 that rotated into view on March 2. Prior to this, the region had already produced numerous M-class and one X-class flare. The region continues to rotate across the front of the sun, so the March 6 flare was more Earthward facing than the previous ones. It triggered a temporary radio blackout on the sunlit side of Earth that interfered with radio navigation and short wave radio.

In association with these flares, the sun also expelled two significant coronal mass ejections (CMEs), which are travelling faster than 600 miles a second and may arrive at Earth in the next few days. In the meantime, the CME associated with the X-class flare from March 4 has dumped solar particles and magnetic fields into Earth’s atmosphere and distorted Earth’s magnetic fields, causing a moderate geomagnetic storm, rated a G2 on a scale from G1 to G5. Such storms happen when the magnetic fields around Earth rapidly change strength and shape. A moderate storm usually causes aurora and may interfere with high frequency radio transmission near the poles. This storm is already dwindling, but the Earth may experience another enhancement if the most recent CMEs are directed toward and impact Earth.

In addition, last night’s flares have sent solar particles into Earth’s atmosphere, producing a moderate solar energetic particle event, also called a solar radiation storm. These particles have been detected by NASA’s SOHO and STEREO spacecraft, and NOAA’s GOES spacecraft. At the time of writing, this storm is rated an S3 on a scale that goes up to S5. Such storms can interfere with high frequency radio communication.

Besides the August 2011 X-class flare, the last time the sun sent out flares of this magnitude was in 2006. There was an X6.5 on December 6, 2006 and an X9.0 on December 5, 2006. Like the most recent events, those two flares erupted from the same region on the sun, which is a common occurrence.

Credit: NASA/SDO/AIA

NASA image use policy.

NASA Goddard Space Flight Center enables NASA’s mission through four scientific endeavors: Earth Science, Heliophysics, Solar System Exploration, and Astrophysics. Goddard plays a leading role in NASA’s accomplishments by contributing compelling scientific knowledge to advance the Agency’s mission.

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