A Good Credit Score

A Good Credit Score

What is credit score? It is a three digit number that tells creditor whether you can avail of a loan at a high or low interest rate. If your credit score is very low, there is also a possibility that your application will be disapprove.

Naturally, you don’t want that to happen and this can only be achieved if you have a good credit score.

A good credit score as experts have put it should be 700 or higher. It is not unrealistic to achieve as 60% of the population is able to do it. The only thing you have to do is pay your bills on time which includes credits cards and other loans that you have had in the past. Doing so will avoid incurring any penalties that will be reflected in your credit report. 

But how come some people are not able to get a good credit score? It is perhaps because they are unable to pay the money back and many of them continue to accumulate this amount. This happens due to their uncontrollable urge to shop and the interest that grows. 

Some people are able to pay for it but it is now considered as a late payment. Those who ignore calls or mails from the bank will be dubbed as “unpaid.” This information is posted on your credit report so that lenders which you might approach in the future will already be careful. 

To obtain a good credit score, you have to pay your debts. Cutting down on your expenses, working overtime, getting a second job and selling some stuff can help but it is not enough. This is why people are encouraged to talk with their creditors so an arrangement can be made that will hopefully prevent this from ever being reported. 

Another solution will be to borrowing money from friends and relatives. Some people will help while others won’t. The only benefit from this is that they won’t charge you any interest. You will still have to pay them otherwise you will lose the only people you can turn to if you have a problem. 

You could have gotten a good credit score only if you were able to monitor your expenses. One advice that a lot of experts say is that if you have a credit card, you should only use up about 25% of the limit. To avoid interest, make sure that you pay the whole amount and not just the minimum. 

If you have done well and the bank wants to increase your credit, let them just be sure to stick to the strategy. 

Errors on the part of the creditor may have also prevented you from getting a good credit score. So, review your credit report and see if everything there is accurate. If there are mistakes, report it and show proof with the proper documents. Your credit score should improve afterwards should the investigation work out in your favor.

A good credit score should be at least 700 and above so you can avail loans at a low interest. You may have done well this year but things could change over the next 12 months so if you want it to stay that way, monitor where money is going because when it comes to overspending, there is no one to blame except yourself. 

What Is Considered a Good Credit Score

What Is Considered a Good Credit Score 

What is a considered a good credit score? A lot of experts say that you should get a score of 700 and above so that you are able to get a loan at a lower interest rate. 

Is this easy to achieve? Given that 60% of Americans can do, then the answer is yes.

You just have to pay your bills and debts on time to avoid incurring any penalties that could have a red flag on your credit report.

The reason why there are still people who cannot get a good credit score is because they have spend beyond their means. They are unable to resist the temptation to use that piece of plastic in a store thinking that they can get away just paying the minimum requirement monthly but the difference grows thanks to interest. 

What happens is that they encounter late payments and are marked as “unpaid.” This is then reflected in their credit report which creditors will see and will make applying for a loan difficult to almost impossible. 

The only solution is to clean up your act and pay these debts. You will probably have to cut down on your expenses and sell a few items. If this is not enough, work overtime if the company you work for allows you to do so. If it doesn’t, see if you can get a second job. 

Try borrowing money from friends and relatives. The nice part about borrowing from people you know is that you won’t be charged an interest fee. Just and make sure you pay them.

Could this have been avoided? Yes if you were able to monitor your expenses. One of the present problems right now here in America is the housing crisis and if are one of those that couldn’t pay for it anymore, this has a significant effect on your credit score.

Now that you know what is considered to be a good credit score, the question now is can you do it? This is something you can answer on your own but if you need help, there are financial advisers that you can call on to help. You will have to do your share as well by sticking to the map that has been planned out.  

If you are just a few points away from reaching 700, look at your credit report again to see if there are any errors. Chances are, there is one there that you can correct as long as you can prove to the crediting agency that this is not true. 

Since they won’t take your word for it, be sure to have the supporting documents. Never send the original and instead send photocopies so you still have something to show later on. Once this is with them, an investigation will be conducted. If your claims are true, then they have no choice but to make the corrections on your credit score. 

The factors that are used to measure your credit score varies among the different crediting agencies. With that said, there is no standard as to what is considered to be a good credit score. Through the years, it was just accepted that anything above 700 is good so until this is standardized, this is something that everyone must hope to attain. 

Understanding What a Credit Score Is

Understanding What a Credit Score Is 

You just want to get a loan and suddenly you are bombarded with all this questions about your credit score. And you don’t really know what to answer since you don’t even know what a credit score is. 

A credit score is your credit grade, representing how much of a good creditor you are.

This score is dependent upon your credit history and credit report information, which is gotten from credit bureaus and credit reference agencies such as Equifax and TransUnion. Banks, credit card companies and lending companies use the credit score to have an idea if a person will pay what they borrowed in time. These scores will help these companies calculate their risk and determine if you will be lent to or not.

Another use for the credit score is to determine how many percent interest rates will be given to the borrower and what will be the terms of payment. People with high credit scores will be given more time frame to pay their debts and much lower interest rates.

A person with a not so good credit score may be given shorter terms in their payments but high interest rates. This is because they are riskier to lend money to so the banks and lending companies would want to get a high interest from them at shorter periods of time. 

Because of the importance that credit score information gives to companies, banks and lending companies are now not the only ones that use these information. Even mobile phone companies, insurance companies, and private companies also use this information to check on the background of their clients and potential employees and see their character. 

There are actually a lot of ways to determine what a person’s credit score is. One of the most popular is the FICO score which was created by Fair Isaac Corporation. FICO is being used by lenders of mortgages to determine which borrowers are likely to default on their payments. A FICO credit score can range from 300 to 850. 

When before only financial institutions have access to their credit score, now it is being commercialized. Equifax is actually offering consumers a glimpse of their FICO score through their website for a fee, $12.95. The same goes with other credit bureaus such as TRansUnion and Experian but what they are offering is not the actual FICO score but their own scores. 

Both companies however swear that their scores are comparable to the FICO scores. Experian charges the same price as Equifax  for their score, $12.95 while TRansUnion charges $9.00 for a credit report that will also have the credit score. This can be purchased by mail, through phone and of course, the easiest course, online. 

Some however do not see the need to buy these things as they are entitled to a free credit report from each of the three agencies. Some states even give a free credit reports within 30 days of being rejected of a credit by a lending institution or when they receive a not so good credit terms because of their credit score. 

The Meaning of A Credit Score

The Meaning of A Credit Score 

A credit score is not the amount of purchase that you incurred with your credit card and neither does the term refer to the points that you save for every purchase that you make with the credit card. This is not the meaning of a credit score.

Although it does involve credit per se, it does not only refer to credit cards but to credit in general, or in more common terms, a loan. A credit score is the numerical product of your credit history, from the loans that you incurred in college to the purchases that you make with your credit card. All are being recorded and filed under one credit history that can come back and hunt you if you are not careful. 

A credit score is used by banks and lending companies to make decisions on your loan applications. With a not so good credit score, you may get rejected for a loan or if you are lucky will be given a fraction of the amount that you are asking, for a higher interest rate and a shorter payment period.

A credit score, you see, determines whether a person is reliable enough to be given the money to as a loan. For although, they will be earning from you through the interest rates that they put on the loan, banks and lending companies are still cautious because they do know that they cannot just lend their money to people they don’t know if able to handle money. 

A credit score depends on a lot of factor. One of which is your reputation as a borrower. Are you always late in your payments for your credit card? Are you always knee deep in debt because you cannot seem to get around to paying each one until the interests were just too high?

Do you have maxed out credit cards? Have you had any other credit or loan that you have paid for or are still paying? How many are they? Have you had any problems paying for your loans? These will figure in the credit score that you will have. 

Other considerations that make up your credit score is income that you are receiving currently. People who have high income are generally perceived as someone who can handle a loan. Another factor besides the ability to pay factor is the amount of debt that you have. If the bank feels that it is too much debt for one person, they can easily reject your application. 

There are many ways to get a credit score. The industry standard is the FICO score, named after its creator Fair Isaac Corporation. FICO score is being used by credit reference agencies, that will gather the materials about your credit history and then determine from their the credit score. Some use their own scoring systems that are comparable with the FICO score. 

The FICO credit score can now be determined by purchasing it over the internet through the website of credit reference agency, Equifax. The fee is $12.95. The other two credit agencies, TransUnion and Exparian are also selling their own score for roughly the same amount although TransUnion packaged it with their credit history report that people can purchase online. 

So now you know what the meaning of a credit score is? Let’s hope you will work on your own credit score. 

How to Increase Your Credit Score

How to Increase Your Credit Score

Applying for credit is the best thing to do if you don’t have cash on hand to pay for it. But you can’t just get it so easily since the lender will first do a background check. If everything checks out then it will be approved but if it is low, you might have to pay it back with a higher interest rate that could have been avoided if you knew how to increase your credit score.

Here is how you do it.

Get a copy of your credit score and review each item to find out if there were any errors. If there are, call the crediting agency where you got this from and send them the supporting documents to strengthen your claim. If the investigation shows an error on the part of the creditor, they will remove this from your record that will increase your credit score.

However, if there were no errors and this is caused by excessive spending, then you have to find ways to fix it.



Since money is root cause of this problem, you should learn to spend cash only on the essentials. This means food. Surely you can do without a new pair of shoes, clothes or jewelry for the time being. You may be out of fashion for awhile but you can be trendy later on when things are better.

If it not cash, it’s probably the credit card that got you in this mess. If you have many, pay off the credit card that has the highest interest rate first then work on the rest. The objective here is to be debt free. When that happens, you can cancel some of them and keep two or three and to maintain your credit score, make sure you only use up 25% or less of the maximum limit.

For those who make a lot of long distance calls, now is the time to reduce them. You can also cancel your subscription to one provider if there is another one that is offering lower rates. The same goes for cellphones as some companies charge lower or have free air time.

Ever heard the saying “energy conservation?” This does two things. First, you help the environment and second, you save cash. If you don’t have money to pay for debts, taking this step can also help.

Other ways to come up with the money to improve your credit score include selling some valuables, working overtime and getting a second job. Naturally, you will be saving some money for daily needs so any excess should be placed in savings account so creditors will know there is cash stashed somewhere.

It is going to be tough when you are in a hole but this is the only solution to increase your credit score. If you have a few accounts that you don’t really need, close them. Only when things do improve can you can do some of the activities you used to do before like going on a trip or doing some shopping.

Is there a certain credit score you should strive for? The answer is yes and this should be above 700 because this is what creditors see as ideal. If you are able to reach that, you are in good standing and be able to get a loan at a lower interest rate.

Improving Your Credit Score

Improving Your Credit Score

There are many things that you need to know on how to improve your credit score. This is especially useful and valuable if you wish to get the best deals on the various credit options that can be offered to you. A high credit score can ensure you that at least your credit applications have higher chances of getting approved.

A credit score can help lenders decide if you are good enough to extend credit to in terms in your ability to pay it off on time. Credit institutions are involved in a business where they aim to earn from the money that they lend as credit to borrowers. Providing the credit to people who are responsible enough to pay them on time would serve their best interests. And for them to determine who these people are, there is the individual's credit score to tell them.

A credit score is a calculated score based on a designed formula that would help lenders determine your credit risk. Your credit score would tell them if you have a good record when it comes to managing or handling your previous debts. Through your credit score, they can have a good assessment on how their decisions when it comes to approving or rejecting credit application would be made.

You would need to maintain a high credit score if you wish to be considered an attractive prospect the next time that you apply for credit. Lenders look for borrowers who they think would be able to pay back the money that they lend and so look into the credit score for determining your credit risk. The higher your credit score, the lower the risk and the better the chances that your credit applications would be approved.

There are many things that you can do in order to improve your credit score. One of the first things that you can do is to check your own credit report. The calculation of credit scores is usually based on entries that can be found on your own credit report. Your credit report is a record of your past credit history as well as other pertinent information associated with it.

Credit reporting agencies look into your credit report and, based on the different factors that they can get from it, would then calculate for your credit score. This means that you have to make sure that every entry made on your credit reports is accurate as possible. An error or wrong entry can have an effect on your credit score later on.

One of the best ways for you to improve your credit score is by trying to keep your credit payments on time. Missed payments can greatly affect your credit score. Just being able to promptly pay your debt installments when they're due would help keep your credit score up. If possible, you can also try to pay off balances completely as early as you can. Keeping your balances low can also greatly affect your credit score in a positive way.

If you are trying to avail of short term credit try to make sure that you don't try to open several of them at almost the same time. Having a lot of new accounts on a relatively short period would most likely lower your credit score. The same way goes with availing of several credit cards.

You may want to have a wide variety of credit cards handy so that you may have a better mix of available credit when you need it. But be also aware that doing so may also greatly affect your credit score. That would not work well in your mission on how to improve your credit score.

Credit Score Scale

Credit Score Scale

The credit score scale is an indicator used by lending institutions to find out if you are credit worthy. This could be from 340 to 850 and the higher the score, the better off you are. 

You can get a copy of your credit score scale by getting a copy from an accredited credit agency by giving them a call or requesting for one through their website. 

These three credit agencies are namely Expedia, Equifax or Transunion and you can get a copy from one or from all three at the same time or after a few months. 

Majority of Americans get a score 700 or higher on their credit score scale. Sadly, there are a few who score lower. How this is determined is based on 5 factors.

The first is your credit history. This includes the number of loans that were approved or disapproved, your credit card transactions and other financing which you may have acquired over the past 2 years. 

The creditors will also review if you have had any late payments in the past. If you have always paid this one time, then that is great. 

Another indicator will be the length of your credit. If you have had this for years, then you have an advantage compared to someone who is just building up their credit. New credit is also a factor together with a few other things that could make the scale go up or down.

If you happen to be delinquent in any of them, you must do whatever it takes to correct it so there will be an improvement in your credit score scale. 

You can start by cutting down on your expenses and using the money saved to pay off the debt. 

For those who have a lot of credit cards, you should pay off first the one that has the highest interest rate then work on the rest. The objective is to be debt free and only have 2 credit cards left in your wallet. 

Worse case scenario if you don’t have the money is to sell some valuables so you pay it off without worrying anymore of the growing amount due to interest.

If you can’t handle the situation, get help from a financial advisor. This person ma help you negotiate with creditors as to how this problem can be solved.  

Only when you are debt free can your credit score scale ever improve. You should know that this is not going to be easy and this could take months before things look better but if you put in time and effort, there is no doubt that you will be able to apply for a loan once again. 

There are some who say getting a new credit card will help just make sure that this one offers low interest rates and that you only use up to 30% of the maximum limit at times that is just about right. 

The credit score scale changes so it is best to get one annually. It can go up or down depending on your behavior so if you keep your nose clean, there won’t be any red flags on your record. You should also remember that sometimes, it is not your fault if it goes down which is why you should check if there are any errors so this can be corrected. 

Credit Score Chart

Credit Score Chart

A credit score chart is what creditors look at to see if you are in good standing or not. This helps them decide whether or not to lend you money that you need to buy a car, a house or pay for tuition. 

Because it does not take into account gender, race, religion, martial status or national origin, it is fair. What they use as basis is your behavior over the past few years. They will look into your credit history to see if you have any debts or outstanding loans, lines of credit and how long have you been given credit. 

There is a certain percentage on each of them so if you don’t do well in one, there is a chance that you could improve on this in the others. 

The one that is used by credit agencies is the FICO score and this information is available to you and to the lender. 

The credit score chart is from 300 to 850. Majority of Americans score above 700, which is good and makes it easy for them to get credit and even waive a deposit. A small number don’t do well and they have to work hard to improve it. 

Keep in mind that the credit score chart is just numbers. They don’t tell you how to improve your score or maintain it. So, to help you along the way, here are a few things you can do. 

First, pay your bills on time. This comes monthly and you are given time to pay for them so make sure to deposit the amount before the due date to avoid paying penalties. 

Second, decrease your debt. Surely, apart from your monthly credit card bills and utilities, you have may a few loans. Since you applied for these, it is only right that you live up to your end of the bargain by paying these at the agreed upon date. 

Third, if you think having multiple lines of credit is good, think again. Studies have shown that this backfires on the person since they are more at risk of non payment which in the end has a negative effect on your credit score. So, if you don’t need it, don’t even bother and if you do have, get rid of them.  

Fourth, review your credit report. If you have paid your bills and loans on time but your score is not that high, check for errors. Most of the time, you may find one or two things there that are not true. If this is the case, call the crediting agency and send them the supporting documents to prove your case.

The standard protocol here is for the crediting agency to conduct an investigation. If your creditor cannot dispute what you have claimed, then they have to change and a revised copy of the credit report will be sent to you for free.

If you want to get a credit score report for free, look at the different agencies that provide this service and compare them. Some will give you a copy for free while others will ask you to pay a certain amount monthly.

You can also find a credit score chart by going online since this is posted which saves you the trouble of looking at different sites.

Credit Score Explanation

Credit Score Explanation

Numbers have different meanings. In school, you are given an “A” if you excel in a particular subject. In the real world, a 600 or 700 could have an effect on your ability to get a loan. This is called your credit score and to give you an idea, here is an explanation. 

The credit score is an indicator that tells lenders if you will be able to pay the amount that will be loaned to you. The scale goes from 340 to 750 and the higher it is, the less risk the lending institution is taking because they know you will be able to pay for it with interest. 

If your score is below 700, you can still apply for loan but expect to pay at a higher interest rate as this is the only way that the lending institution can be sure you will be able to pay them back. 

Your credit score is calculated based on several factors. Thirty-five percent of the total score is based on your credit history. You could get a perfect score here or have a few deductions if ever you have had any late payments or bankruptcies. The more recent it is, the greater the deduction. 

Thirty percent is based on outstanding debt. This may come from car or home loans, credit cards bills and utilities. If you use your credit, make sure you only use 25% of the limit or less so it does not have effect on your credit score. 

Fifteen percent of the credit score comes from the length of time that you have had credit. The longer you have it, the better because this will give creditors an idea of your consumer behavior. 

Ten percent of the score is from the number of inquiries you have made in the past. The trick here is not to have many inquiries. Those who do inquire frequently give creditors the impressions that you are piling up your debt. 

The last ten percent is based on the types of credit you currently have. This includes the number of loans and credits that are available to you. This weighs heavily when you are just establishing your credit history. 

There is no actual passing or failing mark when it comes to your credit report. However, creditors have designated 700 to be the ideal credit score you should get. Sixty percent of Americans are able to achieve this so it shouldn’t be that hard for other people. 

But if you are one of those that are not able to reach it, you can still improve on your score. If you have outstanding debt, pay for it. If these are credit cards, make sure that this is paid on time. 

If you are having a hard time, try to negotiate with the lender so an arrangement can be made and this doesn’t have to appear anymore on your record. 

Now that the credit score has been explained, you will now be able to interpret what those three digit numbers mean when you get a copy of your credit report. Aside from looking at the total score, review each item carefully so that if there are any errors, this can be reported and corrected.

The credit score also changes annually so don’t forget to get one a new one the following year. 

Understanding Your Credit Score Information

Understanding Your Credit Score Information

Credit score information allows lenders to gauge a credit applicant if he or she is worth the risk of availing credit. After all, credit institutions are into a business and would want to profit from their investments in terms of lending their money resources. It is just fair that they try to lend it to people who are responsible enough to pay them back later on.

Lenders and credit institutions try to assess each credit application by looking at the applicant's credit score information. Through it, these institutions will be able to determine if an applicant is worth the risk. The credit score is obtained from information that is based on past credit activities of the applicant as well as other related information. All these can be found on the applicant's credit report.

A credit score is calculated base don the various information contained in the credit report. Different factors come into play when a credit score is calculated. A designed formula is used by credit reporting agencies to come up with the credit score. The formula takes into account the information from the credit report, both the good and the bad entries to come up with the appropriate score.

In order for this score to be calculated, the credit report must at least have one account for at least six months as well as one that has been updated for the same period. This will ensure that there is enough recent information in the credit report from which to base their calculations.

Payment history accounts for about 35 percent of the credit score. This includes on time payments as well as delinquent one which is considered when calculating the credit score. Public records that find its way into the credit report such as delinquency payments, bankruptcies, lawsuits, etc. may also be considered when computing for your credit score.

The amount of credit that you have availed in the past accounts for about 30 percent of the credit score. Not only is the total amount looked upon but also the amount borrowed from different accounts. The balances on certain accounts may also affect the credit score. Maintaining a small balance for example, will have a positive effect on the credit report and may help keep your credit score up.

The length of your credit history accounts for 15 percent of your credit score. Your oldest account and the average age of your other accounts are taken into consideration when computing for your credit score. Also being considered is the length of time that has passed since you have used certain accounts.

The number of new credits availed account for about 10 percent of your credit score. This includes the length of time that has passed since you have opened a new account. Also considered for this is the number of credit requests that you have made in a one year period. Credit report inquiries from lenders are also taken into account when computing for your credit score.

The types of credit that you have availed accounts for 10 percent of the credit score information that goes into the calculation of the credit reporting agencies. Revolving credit in terms of credit card debts as well as installment credit in terms of personal loans and mortgages are taken into account when calculating for your credit score.

The formulas used are proprietary tools used by the different credit reporting agencies in calculating for your credit score. But more or less, this is how the information in the credit report is used to come up with a viable credit score to assess your credit risk.

700 & Above Is a Good Credit Score

700 & Above Is a Good Credit Score

Isn’t it funny that who we are is based on numbers? The same goes when we apply for a loan and if you don’t want any problems, you should at least be 700 and above to have a good credit score. 

But what is a credit score? It is an indicator which tells a creditor if you will be able to pay your debt should your loan be approved. Normally, the score is from 340 to 850 and if you don’t score that well, your loan by be disapproved or this will be granted as long as you accept to pay the high interest rate. 

This is probably unfair given that you don’t have money already but it is a fact of life. It’s either you agree to their terms or you don’t get the much needed funds. 

In the US, many Americans get a good credit score. This happens because they don’t spend beyond their means and pay their bills on time.

But for those who don’t score well, they have to find a way to make ends meet by cutting down on their expenses and paying these debts gradually. A good idea will be to talk to your creditor about the situation so they can come up with a payment plan so this will never appear on their permanent record. That is perhaps the smartest thing to do if you had a good credit score the year before. 

If you have many credit cards, you should cancel the others and only keep two. You should keep the one that you have had the longest as this will look good on your credit score. 

One mistake some people make especially when their credit history is less than 3 years old is opening a new account even when it is not necessary. You just have to think smart to see if it is worth the risk. 

If your credit score is just a few points from 700, look at the document and see if everything stated there is correct. Who knows, you might get lucky and find out that there was an error made. You can call the credit agency to tell them about it and send the supporting documents so an investigation can be done and this matter can be corrected. 

To get a copy of your credit score, you can get in touch with one of these credit agencies namely Experian, Equifax or Transunion. Thought the scoring system they use is different from one another, it states the same thing so you know what it is. This changes yearly so get another one year and compare the results versus the year before. 

A good credit score of 700 and above can get you low interest rates when you need to apply for a loan. With that money, you can buy a new house or car, pay for college tuition or renovate your home. If you want to get it, then you have to work for it as this number won’t appear out of thin air. 

Being the consumer, you must know what your credit score is before you even think of asking for a loan. This will avoid you the embarrassment of being told that there are issues which will never happen if you have a good credit score. 

Cooking for One

Cooking for One

It is often frustrating to attempt to plan meals that are designed for one. Despite this fact, we are seeing more and more recipe books and Internet websites that are dedicated to the act of cooking for one. Divorce and the death of spouses or grown children leaving for college are all reasons that someone accustomed to cooking for more than one would suddenly need to learn how to adjust all the cooking practices utilized before into a streamlined plan of cooking that is more efficient for one person creating less waste. 

The mission, should you choose to accept it, is to make cooking for one a challenge rather than a trial. Use this opportunity to try new and exciting cuisines. Perhaps one of the greatest things about cooking for one is the fact that it isn't quite as expensive as cooking for two. This means that you have a little more money in the grocery budget with which to plan and prepare your meals. 

One thing you may want to keep in mind however is that when cooking for one, if you prepare foods that are freezable. It may save more time (and in the end money) if you cook the full 2-4 servings that most recipes call for and freeze the leftovers in single serving portions for a later point in time. This leaves you with a freezer full of foods for those nights when the thought of cooking just seems beyond your capabilities. This also leaves you with doing the work once and enjoying the fruits of your efforts many times over. This is a great position to be in if you ask me. 

We are finding more and more recipes and cookbooks that are designed around the concept of cooking for one. No matter what situation placed you in the position of cooking for one, there is no reason that you shouldn't enjoy great food that is exciting and pleasant simply because you are dining alone. There is no harm in enjoying a fabulous meal with a glass of wine and great music whether you are cooking for one or one hundred. 

Remember you are what you eat and if you relegate yourself to boring meals that lack excitement and spice that is what you will become. However if you decide to reach out and try new and exciting dishes with every meal you prepare when cooking for one, it will show in the way you embrace life in other areas as well. While we should not live to eat, we should also not limit ourselves to eating to live. Enjoy the foods you prepare whether the portions are large or small in size. 

If you do not want to invest heavily in cookbooks that relate to cooking for one, it is quite possible that your local public library will have a few from which you can find some excellent recipes tips and resources. While you are there be sure to check out their selection of exotic food cookbooks in order to spice things up a bit. You never know what treasures you may discover on the shelves or your local library. You may even find local resources on classes that center on the idea of cooking for one. If the library proves to be a bust as far as resources go, the Internet is full of recipes, tips, and hints for those who are cooking for one. 

Cooking for Little Ones

Cooking for Little Ones

Cooking for toddlers and growing children presents some unique challenges along the way. While you want to provide them with those ever so important nutrients, it is often difficult to get them to eat those foods that are best for their growing bodies. We are all probably well aware of the food pyramid and the number of servings our children need of healthy grains, proteins, fruits, vegetables, and calcium products. Getting them to eat these nourishing products is another matter all together unfortunately.

The good news when cooking for children is that you do not necessarily need to incorporate all the important nutrients into dinner food. The truth of the matter is that raw cucumbers, which are thinly sliced and sprinkled with salt make a much healthier snack than potato chips and many little ones love this for a snack. You get a vegetable in their system and they are getting a treat at snack time. The same holds true for melon and cantaloupes. These make excellent snacks and are a much-needed fruit in these important diets for little ones. 

When it comes to cooking for little ones, however man, woman, and child cannot live on macaroni and cheese alone. It's been tried and tested and failed miserably.  Try mixing things up whenever you can while keeping meals kid friendly. It is important that you try to introduce whole grains, proteins, and vegetables whenever possible at meal times around your home. The good news is that there are many prepackaged convenience foods that are introducing whole grains like never before in order to meet the growing demand of consumers for healthier meals that can be prepared with little fan fare or fuss. 

Cooking healthier meals for kids is now easier than ever before. Fresh fruits and vegetables are best whenever possible. However, if you cannot manage fresh, you should avoid canned (fruits especially as they are often swimming in sugary sweetness) whenever possible. Frozen is far preferable to canned when it comes to both fruit and vegetables, as there are often fewer additives. 

If you need some great meal ideas that are kid friendly and easy on the budget, you can often find recipes readily available online. You can meet your child's calcium and dairy product needs by adding milk as the drink of choice for meals or a slice of cheese melted over their favorite vegetable. Ice cream, yogurt, and pudding also make excellent calcium rich treats, in moderation of course. 

Encourage your children to try new things rather than cooking the same few meals over and over again that you know they are likely to eat. This prevents two things from happening. First of all, it helps you not to get bored when cooking for your children. Second, it allows your children to try new flavors and textures and form opinions about them. By trying new things they will learn not only about the things they dislike but also the foods they really enjoy. 

You should also keep in mind that your children are people too when cooking for them. Just as you have foods you like and dislike they also will develop tastes over time. Those tastes may also change in time as well. It's frustrating, I know, to spend time and money preparing a meal only to have your child push the plate away and refuse to even try the meal. For this, I recommend enlisting their help in the kitchen. Children are much more likely to eat the things they had a hand in preparing as a matter of accomplishment and pride. It's psychological warfare I know but all is fair in war and dinnertime. 

Perhaps the greatest gift you can give yourself (much greater than the help in the kitchen) by 'forcing' your little ones to help prepare dinner is that they will learn to better appreciate your culinary efforts and eat peacefully rather than sullenly. This tactic has met with great success in my household when cooking for little ones. I hope you will enjoy the same degree of success as well. 

Cooking for Crowds Shouldn't be a Frightening Proposition

Cooking for Crowds Shouldn't be a Frightening Proposition

Most people balk at the idea of cooking for large crowds of people. With images of huge stockpots boiling over and becoming chained to a hot stove and oven for countless hours on end, it's no wonder that so many people avoid the idea of cooking food for large crowds with more tenacity than they avoid being last in the dinner line. 

The good news is that it doesn't have to be the frightening proposition that so many make it out to be. When it comes to cooking for a large crowd, the planning phase is the most important. You absolutely must plan your meals when feeding a large group of people. This goes far beyond the notion of spaghetti or fried chicken as the meals you are planning. You need to know how many servings you will need. While obviously you never know how hungry people will be or who will eat how much when it comes to cooking for a large crowd it is a good idea to always plan for a few extra mouths in case some need a little more than you may think (you might want to double servings for teen and college aged men that will be dining). 

You need to know at least a general number of servings to prepare and adjust your recipe in order to accommodate those needs. Some people find it much simpler if they can double or triple recipes rather than scaling them to specific serving sizes. If this works best for you then by all means incorporate this practice when cooking for crowds. One thing you must be aware of is that you will need to include in order to create the meal you are planning.

Having the proper ingredients and the proper amounts of ingredients is more important in bulk recipes than is often necessary in smaller recipes as there is less leeway when it comes to creating the proper consistency. You should keep this in mind when making purchases for your cooking for a large crowd event.

Some people find the best route to take when it comes to cooking for crowds is to keep everything as close to their normal cooking routine as possible. This would mean that instead of cooking one really huge pan of lasagna for a triple sized crowd, they would instead cook three normal sized pans of lasagna. This accomplishes two things really and is something you may wish to keep in mind despite the extra time spent in the kitchen.

First of all, if something goes, wrong only one third of the meal is in shambles rather than the entire dinner. Second, you have a greater possibility of finding consistency issues before the baking begins if you are using measurements and cooking containers that you are familiar with and comfortable using. It is always best to discover errors and omissions sooner rather than later when it comes to cooking as very few ingredients can be properly added after the fact. 

While cooking for crowds may send some into dizzying spells with heart palpitations it helps if you take a few deep breaths, sit down, plan your menu, plan your meals, make a list of your ingredients, and cook in a manner that is comfortable for you. If you would rather get it all over with in one fell swoop, then by all means do just that. If you are more comfortable making multiple dishes of family favorites then that is probably going to be the best course of action in order to meet your large crowd cooking needs. 

Most importantly you should remember when cooking for crowds is that you might have just earned yourself a well-deserved night off afterwards. Cooking for crowds is time consuming and should be approached when well rested (if that is even possible) for the best results. There is something that is actually very satisfying about knowing that you have fed a crowd and fed them well. 

Cooking Classes for the Masses

Cooking Classes for the Masses

Whether you are a seasoned pro when it comes to the fine art of cooking or an utter novice there should be some cooking classes or resources in your area that can help you learn and improve your existing skills. Surprisingly few people manage to utilize the many wonderful opportunities that are available to them when it comes to cooking classes. 

If you are considering a cooking class you should be glad to know that many communities offer them for a nominal fee at night and sometimes on the weekend. These classes are rather basic and often designed to help women learn the basics of a few economical and healthy meals to prepare for their beginning families. If you fit the bill for this, then you should check out your local library for possible leads for these sorts of classes in your area. Even if they do not have the information available it is quite likely that they can point you in the right direction.

If you are looking for cooking classes that you can take with your children, check out your library once again for the first resource. There are also many gourmet food shops that offer cooking classes for parents to take with their children. This is a great opportunity to bond with your child while you both learn to prepare a new dish or two together. It is quite likely that you will be quite surprised by the things you can learn from your child as well as the things you can learn by simply taking the class. 

For those among us who are seeking culinary experience with very specific cuisines you will have to search a little more for the perfect cooking classes in which you can achieve your goal. They do exist however, though your chances of learning Thai cooking are much greater in a larger city than in smaller towns throughout the country. If you are really interested in learning some exotic cooking techniques perhaps you should consider a vacation in which you can try out a few new cooking classes while you are there. If you prefer other things on your vacation to cooking you could make a point of attempting one basic class in the cuisine of your choice for each vacation you take. This will give you a little more than the same old souvenir to bring back from your trip and an experience that in many cases is quite memorable.

Finally, if you are looking for a romantic idea, how about signing up to take a couples cooking class? Believe it or not, these classes are often offered in both big and smaller cities. They seem to be all the rage around Valentine's day, perhaps the hint is that the other partner in a relationship can share some of the cooking responsibility or perhaps the idea is that there is more than one way to steam up the kitchen.

Regardless of the reason for taking cooking classes they can bring not only a great deal of enjoyment to your dining room, but also increase your ease in your kitchen. If you've never taken a cooking class, there is no time like the present to do so. No matter how skilled you are in the kitchen there is always something that can be learned.

Cooking Cajun Food

Cooking Cajun Food

Cooking in the heart of Cajun country is an art form. There really is very little science to this particular form of cooking that includes a lot more than mere lagniappe from the pantry or the spice cabinet. Cajun cooking is something that has often been imitated around the country and around the world but can very rarely be accurately duplicated.

One of the fascinating things about Cajun cooking is the fact that there are very few exact recipes. Most, if not all authentic Cajun cooking is done to taste rather than measurements. Even more amazing is that from day to day one person can make the same dish over and over and it is quite likely to taste a little bit different each and every time it is made. The major reason for this is that in addition to being an art form in and of itself, Cajun food is often made even more delicious or mysterious simply by the mood of the one doing the cooking.

I'm sure that many of you have watched as Emeril Lagasse makes some special concoction and exclaims "Bam!" there is a good bit of that when it comes to Cajun cooking. Something that goes far beyond the ingredients in the recipe and somewhere into the heart and the soul of the cook in question. There is a reason that many southern cooked dishes are referred to as soul food and you should not for one second forget that New Orleans is in the heart of the Deep South. 

The most difficult thing, perhaps when it comes to preparing good Cajun dishes outside of the New Orleans region is finding the right ingredients. It is nearly impossible to find the fresh seasonings and spices that are essential to most Cajun cuisine outside the heart of the old south. Not only that, but fresh crawfish and andouille sausage are a little difficult to come by during the heart of a Michigan winter.

If you are determined to learn to make Cajun food of your own, you must first find the ingredients. Specialty food shops or those that will special order might be your best bet. There are some grocers that will carry a limited stock of Cajun seasonings on their international food aisles. Keep in mind that these sources are extremely limited. Once you have the ingredients, it's time to let a little jazz blare from your speakers in order to set the mood. Most of the best Cajun dishes require a substantial amount of time for simmering and this should be considered. Cajun food is not to be rushed-much like the citizens of the Big Easy. The food will be ready in time and as the one cooking the food you must learn to accept that about Cajun food. It has a way of letting you know when it is ready that is almost mythical until you've experienced it for yourself. 

Cooking Cajun food will try your patience, try your talents, and in some cases zap your energy, as it tends to be an emotional process for many. On the other end however, Cajun food is some of the richest and most delicious food on the planet. Mastering the ability to cook this wonderful food will make you a slave to its flavor for many years to come.

Cooking Basics for Beginners

Cooking Basics for Beginners

When it comes to cooking, it is important to keep in mind that everyone started somewhere. I do not know of a single person who was born with a wooden cooking spoon and ready to go. There is a lot of learning that must be done in order to become a prolific cook and then there is always room for improvement. Not only do you need to begin with the basics when it comes to cooking but you almost need to begin again when learning to cook a new cuisine such as Chinese, Thai, or Indian food. 

This means that at any given time in your cooking learning cycles there is quite probably someone somewhere that is better and/or worse at cooking than you. Take heart from this because even the best have bad days when it comes to cooking. There are many people who cook for different reasons. Some cook in order to eat and survive while others cook because they actually enjoy the process of cooking. Some cook during times of emotional upheaval and others cook out of sheer boredom. Whatever your reason for cooking or learning to cook you should always begin with the basics. 

The first thing that you need to learn is what the different terminology you will find in recipes actually means. There are many new and sometimes foreign sounding terms that you will find in common recipes. These terms can mean the difference in recipe success or failure. You should be able to find a good section in any inclusive cookbook that explains the different definitions for unfamiliar terminology. If you aren't absolutely certain what is meant by "folding in the eggs" it is in your best interests to look it up.

Another great bit of advice when it comes to cooking basics is to try simpler recipes for a while and then expand your horizons to the more complex recipes that abound. Most recipes will have a little note about their degree of difficulty and you can read through the recipe to see whether or not it is something you are interested in preparing or confident that you can prepare. Remember Rome wasn't built in a day and it will take quite some time to build a reliable 'repertoire' of recipes to work into your meal planning rotation.

The good news is that once you've learned the basics of cooking it is unlikely that you will ever need to relearn them. This means that you can constantly build up and expand your cooking skills. As you learn new recipes and improve your culinary skills and talents you will discover that preparing your own meals from scratch is much more rewarding than preparing prepackaged meals that are purchased from the shelves of your local supermarkets. 

You will also discover as your experience and confidence grows that you will find yourself more and more often improvising as you go and adjusting recipes to meet your personal preferences. If you prefer more or less of ingredients or want to make a recipe a little more or less spicy in flavor you can make simple adjustments along the way in order to achieve this goal. In other words you will begin in time to create recipes of your very own. And that is something you won't necessarily learn when it comes to basic cooking skills for beginners but you would never learn if you didn't master those basic cooking skills. 

Beat the Summer Heat with Crock Pot Cooking

Beat the Summer Heat with Crock Pot Cooking

When the weather outside warms up, the kitchen can be a terrible place to be. There are many things you can do however, when it comes to cooking a nice home made meal that doesn't require traditional stove top or oven cooking. Learn to utilize some of the lesser heat producing equipment in your kitchen, such as the crock pot, in order to truly beat the summer heat and keep your cool while preparing a nice hot meal for friends and family.

So, how does crock pot cooking really help beat the heat? Simply put, the crock pot in and of itself puts off far less heat when cooking than an oven or stove top. This is the first and possibly the best reason to utilize the crock pot in your summer meal planning. You should also consider the fact that by not heating the house by using your stove top or oven you are also preventing your air conditioning (or other cooling methods) from working overtime in order to compensate for the additional heat that other cooking methods introduce. 

This makes crock pot cooking a win-win situation as the costs involved in operating a crock pot are far less than the costs involved in operating a stove or oven in general. Whether electric or gas, your stove and oven are often serious energy hogs. Add to that the fact that you are not raising the temperature in your home by traditional means of cooking and you are using even less electricity.

Unfortunately for most, the general consensus has been that crock pots were meant for comfort foods and hearty winter meals. The truth is that the crock pot should be one of your best loved and most often utilized cooking methods if you can manage it. When it comes to cooking with a crock pot, the options are almost limitless. Almost anything that can be baked can be made in the crock pot and many, many more wonderful and enticing meals and treats as well.

Benefits of Crock Pot Cooking

In addition to the cost benefits mentioned above when it comes to crock pot cooking there are many other benefits that are well worth mentioning. First of all, the bulk of the work involved in crock pot cooking takes place early in the day when you are refreshed rather than at the end of a hectic work or play day. This means that you are less likely to forget an ingredient or make other mistakes that often occur as we hurriedly prepare a dinner when we are exhausted from the activities of our day.

Second, many great crock pot recipes include the vegetables that insure we are getting the nutrients we need. So often, when preparing a meal at the last minute, vegetables and other side dishes are left out in favor of expedience. Crock pot cooking in many instances is a meal in one dish. 

Another great reason to use a crock pot for your summertime cooking is the ease of clean up. Unlike pots and pans, most crock pot meals are made in one dish. This means that there will not be mountains of dishes to be either hand washed or loaded into the dishwasher (or if you are like me-both) afterwards. You can spend less time cleaning just as you spent less time slaving over a hot stove. Oh wait! Make that no time slaving over a hot stove. Once clean up is complete you can get back to enjoying the sun set, chasing the lightening bugs with your little ones, or waiting for the first star.

While there will never be a one size fits all best cooking method, crock pot cooking comes very close. If you have a crock pot collecting dust somewhere in the back of your pantry it is time to get it out, dust if off, and dig up some great summertime crock pot cooking recipes. 

Youth ATV's, Why Size Does Matter

Youth ATV's, Why Size Does Matter

If your child wants an ATV, you may be hesitant because of safety concerns. While many injuries occur every year, many of them are preventable if children take the proper safety precautions and ride the correct sized ATV. It may not seem like the size of the ATV would matter much, but when it comes to kids and ATV's, size does matter. Children should not be allowed to ride an adult sized ATV for many reasons. 

Large ATV's take a lot of strength to control and usually have more powerful engines that allow them to go much faster then youth ATV's. Children should have the opportunity to hone their driving skills on a smaller, slower ATV before they graduated to an adult sized ATV when they are older, stronger, and more experienced. ATV's can be a source of great fun and a worthwhile hobby for children.

They should always be supervised when riding and wear appropriate safety gear. Many places required minors to wear helmets by law and prohibit them from riding adult sized ATV's. Even if this is not a requirement in your area, it is still a good idea and will keep your child safe while pursuing their ATV hobby.

Children and pre-teens (ages 6-12) should ride an ATV with an engine size of 70cc or smaller. There are larger models for teenagers, and while age should be a factor in which ATV you choose for your child, other things such as maturity, size, and strength should also be taken into consideration. A smaller child who is 16 should still ride a smaller ATV, and while this may not be optimal for them, it is imperative for their safety. Your child should only drive an ATV that they can comfortable handle.

When buying an ATV for your child, you should make sure it is the correct fit for them. Your child should be able to reach the ground with their feet, without standing on their tiptoes. They should be able to comfortable reach the handle bars without having to overextend their arms. Their arms should be slightly bent as they have a firm grip on the handle bars. They should also be able to reach the ground with their feet and have their legs slightly bent. Getting your child an ATV they can comfortably control is important and will help to keep them safe. 

As well as age and size, your child's maturity level also plays an important part in what type of ATV you buy them. You will have to consider if your child can shift gears or would do better with an automatic transmission.

If you want to retain control over your child's ATV, whether you think their driving skills need some work or they will have problems following rules, you can consider getting an ATV with a remote switch to turn off the ATV of your child gets into trouble.

Buying an ATV for your child is not a decision to be taken lightly. You should make sure your child knows that an ATV is not a toy and can be dangerous. Make sure they ride an appropriate sized ATV and always wear protective gear.

Youth ATV Safety

Youth ATV Safety

ATV's were developed for use in agriculture, for hauling equipment and traveling around farm property. They have since evolved into a hobby for many people and are now even used for racing. People love the excitement that ATV's provide and the vast array of terrain that ATV's open up for exploring. ATV's can provide a lot of enjoyment for riders and be a worthwhile activity.

ATV's can also be dangerous, especially for children. Adults are often injured when they loose control of an AT and children have even less skill and experience than adults. This is not to say that children should not be allowed to ride an ATV, but they must follow strict safety rules in order to avoid injury.

Children should be taught that an ATV is not a toy and should be operated with care and with safety in mind. They should be made aware of all the safety rules and never allowed to ride without supervision. If children realize how dangerous ATV's can be and what they must do to stay safe, they will be at a much lower risk of injury.

The best thing you can do for your child before they are allowed to ride is send them to an approved ATV training course. Many places require riders under 16 to take a training course before they can legally ride which is a good idea anyway even if your area does not require it. You should attend the training course with your child so that you are also familiar with ATV safety and can enforce the safety rules your child learned.

Another important safety practice for you and your child is riding the correct sized ATV. Children should never ride an adult sized ATV, as they are usually too large for them to comfortably operate and increase the likely hood of injury. If you are going to purchase your child an ATV make sure you get a youth sized ATV that is not too large for your child. You should also consider the engine size as a more powerful engine means a faster ATV. Children should only drive an ATV that they can handle. 

Wearing appropriate safety gear is also an important part of ATV safety. Children should always wear helmets, gloves, goggles, long pants and a long sleeved shirt. Most places require helmet use by law but even if they do not a helmet should always be worn. Using safety gear will prevent many injuries that can occur when riders fall. Make sure that the safety equipment you purchase for your child fits properly and is of high quality. You should make sure that the safety gear your child uses is rated for ATV use.

The last thing you should always do to keep your child safe, is to inspect their ATV before each use. Teach your child how to inspect their ATV as well and you can then both make sure it stays in good working condition and will not break or malfunction during use. If you and your child follow these safety tips, your child will have a safe and enjoyable time with their ATV.