 Yesterday I meet a group of friends out for a cooking class and afterwards we went out for lunch. We spent about 3 hours sitting and chatting with one another over lunch. The three of us rarely pulled out our phones unless we needed to look at a calendar or wanted to show a picture. We also didn’t leave our phone out on the table. As a side note: having your phone on the table when talking to someone is disrespectful because you are basically saying your phone is more important than the time with them. Plus the person that sees this most likely feels you are not paying attention to the conversation.
But what got me to write this post was another table beside me. There were two college students having lunch together and rather than having a conversation with one another they were on their phones the entire time. I never noticed a time of them just sitting and talking to one another. Not even when their meal arrived. They took pictures of their meal passed their phone to one another. It was amazing to see that even while eating one person kept on checking their phone during each bite it seemed. Have we lost having conversations with one another in this day and age? Is being connected to social media, games, and the internet so much more important than living in the moment with a friend? To me this is a very interesting topic because I have a good friend that when we met for lunch one day we were sitting right next to one another and he took a picture of his food and sent me picture. I was shocked because I am sitting right next to him. This wasn’t a tag in a social media site but a regular text. It is also surprising when a person can make a conversation over a text for hours but when you meet in person they barely say a word. Next time you go out with friends put your phone away and enjoy hanging out. Enjoy a good conversation and take in the world around you.
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 How does your credit impact your credit score? Today we will take a look at the credit utilization on your credit score. Credit experts recommend keeping your credit usage under 30%. If you use a credit monitoring service such as Credit Karma they constantly recommend keeping your credit usage under 30% to achieve a good or excellent score.
The three major credit score companies don’t have this as a die-hard rule. However, the lower the credit usage on your accounts the better your score can be. There are a number of other factors the credit companies use such as number of accounts, length of credit history, and one of the most important payment history. So always make sure you pay your bills on time. A derogatory mark on your credit can take years to correct itself back out. Experian says the 30% rule is not a target but rather a maximum limit. Going over that amount can have a significant negative impact on your credit score. The amount of credit you have open does impact your score but keep in mind that major negative influence which are missing payments, a number of inquiries on your credit report, opening a new account. Take these and a high utilization of your credit you will surely see a major negative impact on your credit. |
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