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Image from page 74 of “QST” (1915)
credit score
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Identifier: qstamer00amer
Title: QST
Year: 1915 (1910s)
Authors: American Radio Relay League
Subjects: Radio Radio
Publisher: [Newington, Conn., etc., American Radio Relay League]
Contributing Library: Internet Archive
Digitizing Sponsor: Internet Archive

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About This Book: Catalog Entry
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Text Appearing Before Image:
X 7410- WIFZ 7I4(H W4KMS 6890- W5IWJ 6580- WSZXf 6240- WIAQE 6200- WgrXL 5760- W4W()C; 5405- W2DLO 5400- WITRX 5355- W8BOK 5060- 110-3390-3282-3393-3170 3675-3188-2775-2966-3170-3173-2673-2578-2172-2160-26.58-2657-2663-2153-2644-2852-2462-2043-2447-2349-2051-2140-23 W4YHD. opr. 2 W3GRF. opr. ^ W5JX.M. opr. * W9VFY . opr.5 W2AIP, opr. « W3ULI, opr. BRIEF MjTon Bowden, WIYIL, Secretary, Port City AmateurEadio Club, sponsors of the Worked All Xew Englandaward, advises that the first fifty WANE certificates havebeen Lssued to the following amateurs: WIFTJ, WIBFT,WlCDX, W2.JIL, W6ZZ, WlTY, WlLQ, WlYUFWITCR, WIVUH. W8AQ, W2XIY, W.30P, WIGK.],WIMEG, W2QHH, W2KTU, WlWTG, W1B,JP, WIUET,WIMRQ, W2.JCO, WIEFX, W2RSY, W2WZ, WlFZ,W2TYC, W4HYW, WlRXA, WlGMH, WITYU, WIBBX,WITOP, WIRES, WIRFC, Wl.IWJ, WlFPS, WIXHJ,W8AL, WIHWE, WIVZE WlAXX, WIWJA. WIYCU,;iUZR, K2BH/W1QGU, WIVMC, WlLIG, WIYYO,W1H.. Rules for obtaining tlie WAXE award appeared onpage 63, September 19.53 and page 69, August 1954 QSTs.

Text Appearing After Image:
Any c.w. CD Party enthusiast who hasnt workedthis fellow lately better turn in his receiver and head-phones! Posting the nations best score in both Juiv andOctober, GO Bill Johnson, Vt6MLR, has really beenritiging the bell. Jfis tape fist and snappy operatingbring credit to the CD gang, as does that crisp-keyingl)ig sig stemming from the home-brew 450THs at theright. Time was when 80 meters was thought a mustas far as amassitig huge tallies was concerned, but^^6^Il H does FH on just 40 and 20: in October hestacked up 4.il Q.>>Os in 67 sections for a smashing271,9.1,3 points. Shown fingering the bug and bendingover the operating table, Bill portrays the traditionalstance of the inveterate I)er. Indeed, D is his maininterest. And if he can again be enticed from pursuit of-Africans and Asiatics, youll see him in the January CD! CODE-PRACTICE STATIONS The following scliedules bring up to date the list of sta-tions (p. 75, Xovember QST) currently transmitting codepractice in the AR

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Preparing For a Successful Home Buying Experience – Get Your Credit Score

Navigating today’s real estate world can be confusing. Regardless of where you live in the country or whether you are purchasing your first home or your fifth, you are probably in for a few surprises along the way. There are a few steps you can take to ensure a smoother process and eliminate headaches down the road.

First you will want to assemble your real estate dream team. Take time to research the people you are working with and make sure they are familiar with the area you are looking at and the type of home you want to buy. If you are looking at taking advantage of a short sale or bank owned property you will probably want to work with someone who specializes in that area. Likewise, if you are looking for a home in a new area it would benefit you greatly to select a realtor and real estate attorney who are familiar with that county or township’s unique features and real estate practices.

Next you should assembly all of your important financial documents. Regardless of what lending institution you go through they will likely need your tax returns from the past 2 years, last 2 paycheck stubs, balances on your checking and savings accounts and information on your retirement fund and investments. You should also be sure to review your credit report so you can identify any errors and promptly have them removed to avoid delays with your loan. 3 out of 4 credit reports contain inaccurate information, and those mistakes could negatively affect your score. So this is a step you won’t want to miss in the home buying process.

Stay connected. You may want to consider investing in a cell phone plan that allows you to check your email and a fax machine or scanner. You will probably be asked for information or need to respond to your mortgage broker or realtor with little notice. So having the technology to stay connected is vital to a seamless process.

See your credit score for free, and find out what kind of loan you qualify to receive. See where you stand on the credit score scale and how you compare to the national average.

My Credit Score: 848, How to get it Part 1

7 Items to consider to obtain a high FICO credit score and tips on how to negotiate the creditors and credit reporting agencies.

Get a free credit report here: www.AnnualCreditReport.com (not sponsored) is a government mandated site that will not ask for a credit card and is the ONLY authorized website for free credit reports. If another site offers you a free report, they are trying to sell you something.
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How to Improve Your Credit Score by Budgeting

The road to financial health is a journey that can begin with simple, relatively painless steps. One way to get started is to apply a system to how you approach your household budget. Of course, the step before that step is to actually create a household budget, which unfortunately many individuals do not. How to improve your credit score by budgeting is relatively painless.

Americans are inherently optimistic people; we expect tomorrow to be better than today, including the amount of money we earn. This positive expectation has been one of the reasons for our decades of prosperity and economic growth. But when applied to our financial management, this expectation can cause trouble, particularly for individuals whose income is variable. And for most of us, our income does vary from year to year, up and down, even if we don’t remember it that way. Suppose you made $ 88,000 last year. You could reasonably expect to earn $ 95,000 this year, perhaps because the company you work for has cost of living increases, and you might get a merit pay raise. So what happens? You begin to spend as though you’re already earning that $ 95,000, ignoring the possibility that your income could actually drop next year.

In this recession, we’ve seen millions of people fall into this trap. As the economy contracts, so do the earnings for many of us. It doesn’t have to be as drastic as getting laid off. It might be something as minor as our company not being able to afford paying us a bonus. Or we have to offer our customers discounts to keep them buying from us, in the case of a retail store, or even a service provider.

People whose income is variable, such as commission salespeople, or people who work on a contract or project basis, are particularly vulnerable to falling into this trap. The extreme case would be people who, temporarily, earn the most money they possibly can over the course of their lives, such as pro athletes. They might earn $ 5 million a year for a few years, and unfortunately spend at that rate as well. It can be disastrous for them when their career ends, their income drops, but their spending habits stay the same.

One way to avoid this financial pitfall it to think of your income as a moving average of several years’ earnings; three years might be a good place to start. Maybe our person who made $ 88,000 last year, for example, earned $ 58,000 the year before, and $ 70,000 the year before that. Averaging these three years, we see that number comes out to $ 72,000. If this person made out his budget with this number being his assumed income level, he would be building up cash surpluses during good years that could carry him through lean years. Perhaps this recession would have been hardly painful at all, in terms of changes he would have to make to his lifestyle.

Improve your credit score by budgeting your expenses.

More tips and hope to get out of debt Brian Hill is the author of several nonfiction books, the founder of Profit Dynamics Inc., a management consulting company focusing on business planning and venture capital, and a screenwriter. Get your free credit report and credit scores at Debt Management

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