Latest From My Current Catfish

Hello sweetheart, it’s such a pleasant day once again and we give thanks, I believe we had been working on this relationship for quite sometime now which I would really prefer to understand much more where this is leading so we could both offer to share our most intense feelings towards one another…there should be such a significant reason as to why we need to put things in good oder to satisfy the desire of keeping safe in each other’s hand well guaranteed, I hope you would really understand my point of view right here as the woman you have truly fallen in love with. There are things we could get upward with as much as straight forwardness just because we are matured people fallen deeply in love with each other whereby the location bothers a lot so we are entitled to configure our state of mind within this consistent correspondence with our heart to show we truly do love and want to really get along unfailingly. I wish you could realize my most dedications, great concerns, faith, patience, eagerness, satisfaction, care and most of all the true love and harmony I vowed to share just with you and no other which I repeatedly continue heating onto day in day out to the great concerns of my only honest love which is you. You have no idea my heart for you if not I believe we should have gotten a lot to do in person long ago before today’s day trust me sweetheart… I wish you would take me as I am so I could just offer to do the same thing in return and my priority is you so be more courageous for me and for the sake of our enjoyable future…I wish you will never be of any disappointment to me ever and I promise you will always find the likeness and the reality in me for being all and everything you wanted for all this while my love 😍…There is nothing I wouldn’t do for you as the woman 👨 I love and cherish for eternity… I strongly believe our happiness relies on you since you are the man here I want to get settled with… You should run one quality search within you and see if I am making any sense to you with all I have written to you now and once again… Don’t you want us to improve upon our qualities or do we always need to remain pause while others are moving ahead of time ??? Your promises and pledge never to do anything to hurt me ever so re-read every bit of this message and think note about it to see where we stand at this point in time okay… Look for me right after you are done with trading this few words from me my sweet babe boy… Hugs and kisses ..You have been ny consuming thoughts all along my love…

She loves me so much...

Focusing On Credit Score Improvement

 

The best way to raise your credit score when you have bad credit is by understanding the factors that contribute to your score. Here are the five factors used to calculate your FICO® Score and how you can get high marks in each one:

• Payment history (35%): On-time payments are the key to excellent credit. While you can't undo previous late payments on your credit file, you can avoid late payments in the future. That's the number one habit you need to raise your credit score.
• Credit utilization (30%): Your credit utilization is the sum of your credit balances divided by your combined credit limit. For example, if you have one credit card with a balance of $200 and a limit of $500, then your credit utilization is 40%. The lower you can keep this number, the better. A good goal is to always have your credit utilization below 30%. If yours is higher, then you should focus on paying off debt.
• Length of credit history (15%): Creditors will obviously consider a borrower who has had a credit card for 20 years to be less risky than one who has only been using credit for three months. The best way to improve in this area is to open a no-annual-fee card and keep it open forever.
• Credit mix (10%): It gives you a slight credit score advantage if you have both revolving credit, such as credit cards, and an installment loan on your credit file, instead of just one of the two. But since this has only a small impact on your credit score, you shouldn't take out a loan solely to boost your credit. You can attain an excellent credit score even if you only use credit cards.
• New credit inquiries (10%): When a company looks at your credit report to make a credit decision, this inquiry is reported on your credit report for two years. Credit inquiries only affect your FICO® Score for one year, though. Don't avoid opening a new account just because of the small impact to your credit score, but don't open a bunch of accounts in quick succession, either.

Best 25 Retirement Locations In America - 2023

You might be able to save money and improve your quality of life by relocating to a retirement spot that better suits your interests and budget. A new U.S. News analysis compares the 150 largest metropolitan areas in the country as potential places to retire. The study includes data on housing affordability, happiness, desirability, retiree taxes, the job market and access to quality health care, and is weighted based on a U.S. News online survey of people age 45 and older about their retirement preferences. This year's list of the 25 Best Places to Retire highlights places with affordable homes, low taxes and high ratings for happiness and health care quality. Here's a look at the Best Places to Retire in 2022-2023.

1. Lancaster, Pa.

2. Harrisburg, Pa. 

3. Pensacola, Fla.

4. Tampa, Fla.

5. York, Pa.

6. Naples, Fla.

7. Daytona Beach, Fla.

8. Ann Arbor, Mich.

9. Allentown, Pa.

10. Reading, Pa. 

11. Sarasota, Fla.

12. Melbourne, Fla.

13. Lakeland, Fla.

14. New York City 

15. Fort Wayne, Ind.

16. Ocala, Fla.

17. Scranton, Pa.

18. Manchester, N.H.

19. Philadelphia

20. Pittsburgh

21. Youngstown, Ohio

22. Port St. Lucie, Fla.

23. Toledo, Ohio

24. Asheville, N.C.

25. Eugene, Ore. 

The storm of the economy will eventually subside. Have you been putting powder away for when the madness ends. Many feel that thr dollar will continue to spiral into nothingness when compared to the new BRICS alliance. The economy and the reserve currency status of the dollar has taken a really beating this year. 

I truly have begun to hedge more into American Silver Eagles. Luckily I'll make a couple gold purchases before the third quarter takes hold this year. I'm already lining up liquidations of my stock holdings this spring. 

Something is telling my that preparing with more security and metals will be essential.