Archives for the month of: February, 2011

In a many countries around the world, a system is established for monitoring and reporting your creditworthiness. There are numerous systems used to calculate one’s credit score like FICO, NextGen and Vantage Score which all contain a lot factors in their processing. The banks are often looking for profit, so this means that they may not accept your request for a loan if you have a very bad credit history, or always pay credit on time without creating interest. One can get errors corrected or have their score boosted through repair agencies.

Factors that are included (Wikipedia):

  • Payment history (35% contribution on the FICO scale) A record of negative information can lower a consumer’s credit rating or score
  • Debt (30% contribution on the FICO score) This category considers the amount and type of debt carried by a consumer as reflected on their credit reports
  • Revolving debt – This is credit card debt, retail card debt and some petroleum cards
  • Installment debt – This is debt where there is a fixed payment for a fixed period of time
  • Open debt – This is the least common type of debt. This is debt that must be paid in full each month. An example is any one of the variety of credit cards that are “pay in full” products.
  • Account Diversity (10% contribution on the FICO scale) – (installment, revolving, auto, mortgage, cards, etc)
  • The Search for New Credit (Credit inquiries) (10% contribution on the FICO scale) An inquiry is noted every time a company requests some information from a consumer’s credit file

Factors that aren’t included:

  • Parking or Driving Fines
  • Race, Religion, Colour
  • Whether you’ve checked your file
  • Salary
  • Savings Accounts
  • Medical History
  • Criminal record
  • Child Support Agency
  • Information on relatives
  • Student Loans (for some)
  • Declined applications
  • Some defaults or missed payments

Key organizations:

  • Annual credit report (free report)
  • Equifax
  • Experian
  • Transunion
  • Callcredit (UK)

This is a short post on the Creative Commons licensing types. The Creative Commons is a tool used to balance out the "all rights reserved" conditions of copyright law. The definitions will be quoted verbatim.

  • CC BY: This is the most accommodating license and allows the user to tweak and alter the original work, even for commercial use afterward. Credit must be given to the original author
  • CC BY-SA: This is slightly less accommodating allowing the user to alter the original work for commercial purposes, but requiring the same license to be used on the new work. Credit must be given
  • CC BY-ND: This is the distribution license which does not allow tweaking or derivatives but does allow re-distribution for commercial and non-commercial purposes. Credit must be given.
  • CC BY-NC: This allows derivative work but not for commercial purposes. They must credit the creator but do not have to use the same license
  • CC BY-NC-SA: Same as the above license but does not allow a change in the license.
  • CC BY-NC-ND: This allows one to download the material and share it with their friends, but no derivative works can be made and no commercial purposes. They must credit the author as well.

There are many ways to learn programming but this post is going to cover the basics of computer languages and computer science. There are many dimensions to learning about computers and this post is aimed at the internal aspects of the machine rather than the hardware aspects.

For computer science there are the abstract and classical models of computing including logic, automata theory, number theory, quantum computing, programming languages, databases, algorithms and systems study.
The three main related fields to computer science are artificial intelligence, computer architecture and engineering and information science. Defining the exact boundaries of the subject becomes difficult and a gray area exists between the various fields that exist around computer systems.

Self Taught
There are a large range of books, tutorials and web resources for helping one learn programming under their own steam.
The most popular books are the O’Reilly books covering almost every major language used today.

Popular sites for self-taught courses are, and tutorials like the Python Wiki
Books include O’Reilly and the Thinking In series

University Courses
There is the traditional route of paying for a computer science course in a community college or four-year school nearby. Some of the best include Massachusetts Institute of Technology, Stanford University and University of California Berkley. This also includes online and distance degrees like Devry, Kaplan and Open University.

Independent Courses
This is a little more difficult to identify the value of but there are many independent courses and certification which will teach you programming for a price.
Ruby Learning
The Red Hat Certified Engineer
Microsoft .NET developer

Mentor or on-the-job training
The last option here is finding a mentor or doing on the job training. If one is hired into employment which requires computer programming or if one is included into a project that uses computer programming then one may learn.

For a more extensive list of programming books, tutorials and resources go to this stackoverflow link on books. The stack overflow website is also a good place to research and ask questions.