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• Agloco to close down soon
  

  I got this email from Agloco.

  "Dear member ,

  We would like to update you on the status of AGLOCO's operations. We continue to believe in the AGLOCO concept, but our revenue is currently not sufficient to give Members a meaningful distribution. And though there are increases in membership, the resulting revenue is not enough to support operating costs. As a development team we are unable to continue to use our savings to fund the operations. If any Member would like to pursue continuing the operations of AGLOCO, you may contact us at agloco1@live.com .

  We would like to thank every Member for supporting our effort to bring a piece of the Internet directly to the user. We hope that we can find a way to keep the operations going.

  AGLOCO Development Team"

• One way (Jesus) in Japanese
  

  Version brothers of japan

  And some people think christians can't have fun... lol

• One way - video and lyrics
  

  I lay my life down at your feet
  Cause You're the only one I need
  I turn to You and You are always there

  In troubled times, it's You I seek
  I put You first that's all I need
  I humble all I am, All to You

  One way, Jesus
  You're the only one that I could live for
  One way, Jesus
  You're the only one that I could live for

  You are always, always there
  Every hour and everywhere
  Your grace abounds so deeply within me

  You will never ever change
  Yesterday today the same
  Forever till forever meets no end

  One way, Jesus
  You're the only one that I could live for
  One way, Jesus
  You're the only one that I could live for
  x2

  You are the Way, the Truth and the Life
  We live by faith and not by sight
  For You, we're living all for You
  x4

  One way, Jesus
  You're the only one that I could live for
  One Way, Jesus
  You're the only one that I could live for
  x2

  Copyright Jonathon Douglass/Joel Houston/Hillson Publishing ( adm in the U.S. and Canada by Integrity's Hosanna! Music) ASCAP

• Our speech alters the way we think about each other,
  

  Consider the meaning of what you say, and choose your words well.

  Words of Grace

• HE'S A BAD KISSER
  

  Her boyfriend is an inexperienced kisser. Does that mean he's not "the one"?

  "I have recently started a relationship with a wonderful young man. He is godly, attentive, romantic, considerate and highly respectful of me. We mesh very well together in a lot of ways.

  However, after kissing him, I started getting doubts. He is not a very good kisser. He is not experienced and I find myself not wanting to kiss him."Read more

• Hip Hop et Violin
  

  I am not a special fan of Hip Hip. But this violin/turntable combination is special.

  Thanks to Jonathan Fields for finding this gem.

• Dirty Hotel Secrets
  
  Dirty Hotel Secrets
  Uploaded by luvnews
• #1 reason to avoid violent people
  

  Don't say we did not warn you...
  

• Techno Viking dance
  

  Behold the Techno Viking and his subordinates.

• What Is A FICO Score?
  

  by Dave M Williams

  FICO is the acronym for Fair Isaac Corporation, and FICO score is the most renowned model of credit score used in the United Sates. Using the information of the credit files of a consumer, FICO score helps the banks and credit card companies take the decision if that consumer should be lent money or not. Moreover, the FICO score also determines, by analyzing statistically the credit files of the consumer, the interest rate, and the amount of money or credits to be lent. In other words, to make things simple, if a consumer’s FICO score is low, and if he wants to lend money, he will be charged higher interest rates, and will be demanded of more collateral.

  FICO, Fair Isaac Corporation, started as the pioneer of establishing the credit score system; it was 1950’s, and ever since credit scoring has served to the lenders as ‘the’ effective system of its kind. What FICO score does is to convert the whole credit history of the consumer into a single number. What is interesting to note is that Fair, Isaac and Co. does not say exactly how this computation is done, but this act of not revealing has been accepted by the Federal Trade Commission.

  FICO score analyzes statistically a consumer's credit history in consideration with various things like if the consumer has the habit of giving late payments, the credits used by him in contrast with the available credits, if there is some negative information like bankruptcies etc. The company follows the rule dictated by the Federal Reserve Board to base the scoring on a high statistical system, and not on race, national origin, color, marital status or sex.

  There are some tips and techniques to increase the FICO score of a person, though it should be borne in mind that nothing can help to increase the score in a fortnight; it takes a considerable amount of time. To increase the score, one should take care to pay bills on time(late payments really hamper your score), not to apply for credit in frequent successions, and to keep the credit-card balance reduced.

  Another thing pertinent to note here is that the company uses different types of scoring techniques depending on the types of credit, namely mortgages, automobile loans, and consumer credit, which means that these scores can be different(even to the extent of fifty points or more) even if the same person is the borrower.

  So the advantage of the FICO score is evident; it really helps the lenders to judge the person whom they are lending the money. But, there are some negative points also in this system. Most importantly, the lenders can exploit this system in a negative manner, and may not lend money to somebody, or even can take some steps against them. So to take care of that, the Federal Reserve Board has clearly mentioned that if anything like denial of application for borrowing credits happens, the lender should provide concrete reasons for the denial. In other words, the lender can not say that they did not lend money because the consumer’s FICO score is not enough.

  Looking to repair your credit? Dave Williams has been working as a fast credit