It really depends on what the global demand is and how crude oil is trading in the overall market place. The understanding is that Gas is unlimited since crude oil is merely a continued regeneration of stick sweet crude that is processed and sucked up to sell to consumers, after going through a processing plant, […]
Are gas prices planning on increasing overnight in the beginning of year 2015? The answer for some states is yes. Particularly, California will be increasing as a tax, which will be an immediate jump overnight. So, keep on the look out if your state is doing it too, chances are, only the high volume states […]
What would be the reason to live if you or myself couldn’t share our lives in such a way that is supportive, positive spirited, and balanced. It’s good to be honest and pure, ofcourse, in a manner that is doing justice to the reason why such thoughts are being said to each other… it’s for […]
Keep no cigarette packs in your sight. Make sure all ash trays, lighters, cigarette packs, or any items related to smoking must be disposed of so there’s no sudden reminder that you can easily go back to smoking. There’s a guilt situation removed from getting these smoking items out of the way.
Smoking using e-cigarettes was a misguiding situation for smokers who were benefitting by taking heavier dosages of nicotine. Since the concentrated mount of nicotine was being inhaled, it was giving more than a buzz, but more of a feeling that gave the smoker a better sensation than the cigarette itself, but took advantage of the […]
The IndependentJoseph Stalin's grandson says 'brainless show-off' Vladimir Putin should learn ...The IndependentVladimir Putin's topless publicity stunts show the Russian president is leading “without brains” and “the mess we have now” would have been avoided if Stalin had lived just five years longer, the tyrant's grandson has claimed. This month the European ...'Stalin was no […]
Mirror.co.ukBarack Obama threatens Vladimir Putin over perceived Russia aggression ...Mirror.co.ukBarack Obama today threatened to use all measures - short of military action - to force Vladimir Putin to back down over the Ukraine crisis. He vowed to “ratchet up pressure on Russia” amid fears the fighting in eastern Europe is worsening by the day ...McCully […]
Daily MailAlexander Litvinenko's voice recording links Vladimir Putin and Semion MogilivechDaily MailAmerican intelligence secretly intercepted messages between those involved in the murder, it was reported last night. The intelligence provided the key evidence of an execution, a source claimed. Scroll down for video. Alexander Litvinenko, the ex-KGB ...Russian President Vladimir Putin accused from beyond the graveNew […]
Reuters Blogs (blog)Ukraine's ceasefire has become a farce, with Vladimir Putin the authorReuters Blogs (blog)The real question is whether Russian President Vladimir Putin is ready to compromise, I said. As for dialogue, no leaders have talked as often with their Russian counterparts in the past year as German Chancellor Angela Merkel and her foreign minister, ...The […]
Los Angeles TimesSkyMall, known for kitschy in-flight catalogs, files for bankruptcy protectionLos Angeles TimesSkyMall, the company behind the ubiquitous in-flight catalogs known for kitschy items, filed for Chapter 11 bankruptcy protection on Thursday following struggles to reach passengers who are now immersed in their smartphones and tablets. SkyMall, in ...SkyMall files Chapter 11 bankruptcy: 11 […]
Bidness ETCCal Dive Preparing Chapter 11 FilingWall Street JournalOil-and-gas contractor Cal Dive International Inc. is preparing for a potential Chapter 11 bankruptcy filing that could come as soon as the next few weeks, people familiar with the matter said, as the oil-price rout exacerbates the company's business ...Could Cal Dive International (CDVI) Go Bankrupt?Bidness ETCall […]
Legal Corner: Pros, cons of Chapter 11 bankruptcyRichmond County Daily JournalLast week, the Legal Corner discussed the basics of Chapter 13 bankruptcy and some of the benefits it may provide to individuals who may consider filing. This week, we will cover the Chapter 11 bankruptcy process and some of the advantages and ...and more »
Advocate MediaUpdated: Matt's Rancho Martinez files for chapter 11 bankruptcyAdvocate MediaJoaquin & Marco, Inc., which operates the popular Tex-Mex restaurant Matt's Rancho Martinez, filed for Chapter 11 bankruptcy earlier this week. They filed on Monday, Jan. 19, in the Eastern District, the Sherman Division. There are five Matt's Rancho ...and more »
Waco Tribune-HeraldLife Partners seeks bankruptcy protectionWaco Tribune-HeraldWaco-based Life Partners filed for Chapter 11 bankruptcy protection Tuesday while it appeals a $46 million judgment against the company and two executives for allegedly making misleading statements about its business. In a statement issued Tuesday, the ...Life Partners Holdings Files for Chapter 11 Bankruptcy ProtectionFinances.comLife Partners Holdings files for […]
Amazon Q4 2014 Preview: Looking For The Long-Term Picture (AMZN)Seeking Alpha (registration)Amazon Q4 2014 Preview: Looking For The Long-Term Picture. Jan. 25, 2015 4:04 AM ET | About: Amazon.com, Inc. (AMZN) by: WestEnd511. Summary. AMZN reports on Thursday with consensus expects EPS of $0.19 on $29.7b in revenue. Investments on ...and more »
Wall Street JournalAmazon Japan Vows Cooperation With Child-Porn InvestigationWall Street JournalTOKYO—The Japanese arm of the online retail giant Amazon.com Inc. is cooperating with a local police investigation into possible sales of child pornography, the company said Monday. “We take this investigation seriously and we are cooperating fully ...Police search Amazon over online sale of child […]
StockWise DailyAmazon.com, Inc. (AMZN), Other Internet Retailers Stimulate Real Estate Surge ...StockWise DailyAmazon.com, Inc.(NASDAQ:AMZN) and its local rivals in the internet retailing business in India are contributing towards a real estate surge in the country as commercial activities from the industry drives growth in property leasing to accommodate ...Amazon, e-commerce rivals fuel commercial property boom […]
Frip’s parent company launches Briv.com, a new flash game web site aimed to provide games for the young and adult generations. As Parent Company Frip diversifies into newer brand sites like Briv.com, Kizi and others, their aim is to scale their flash games delivery to as many players as possible. Keep an eye for their […]
Huffington PostPersonal Development for Software Developers: An Interview With John SonmezHuffington PostThere are very few things in the book that would be considered specific to software developers, but I named the book Soft Skills: The Software Developer's Life Manual because I am a software developer and I wanted to reach other software developers ...
New York TimesAt Windows 10 Event, Microsoft Jumps Into Augmented Reality With HoloLens ...New York TimesOne of the goals is to make life easier on software developers, by giving them a much larger audience of users running the same operating system. Terry Myerson, an executive vice president at Microsoft, said, “Windows 10 changes the rules […]
Washington Business Journal (blog)D.C.-area software developers say Google Glass is aliveWashington Business Journal (blog)The "open beta" test of Google Glass, known as the "Explorer Program," officially closed Monday, meaning you can no longer buy the wearable hardware for a whopping $1,500. Kasra Kangarloo: Staff Writer- Washington Business Journal: Email | Twitter.Google stopped making Glassholes, not […]
For a country with a relatively small economy and stock market, Greece continues to have an almighty impact on investor sentiment in the rest of the world. Over the last few years it has pulled the Eurozone into crisis more than once, and now it just might do so again - […]
Dear Liz, I'm a big fan of yours. I'm writing to you in a very upset state right now. I hope you have some advice for me. I took a new job a year ago. I hadn't worked for two years before that, because I had spent that time with my dad […]
Now that the Google Glass prototype has been withdrawn from the market, the company has reportedly moved it from research into product development. Consumer fashion and retailing experts have been tasked with refining a look that some in the market labeled “Glasshole” and, according to critics of its marketing, left many more […]
Global SaaS software revenues are forecasted to reach $106B in 2016, increasing 21% over projected 2015 spending levels. A Goldman Sachs study published this month projects that spending on cloud computing infrastructure and platforms will grow at a 30% CAGR from 2013 through 2018 compared with 5% growth for the […]
Louis Columbus, Contributor
Re-cap of FaceBook Acquisitions:
Instagram - acquired $1B
Waze - acquired $1.1B
Attempt for SnapChat (failed)
WhatsApp - acquired $16B (google may have offered $10B)
ECB easing may lift China exports, hurt yuan – China central bankHellenic Shipping News WorldwideThe boost to demand is feeding through into residential construction. Builders began work on 1.01 million houses in 2014, the most since 2007, Commerce Department data showed this week. Sentiment (USHBMIDX) in the industry is running close to a ...and more »
Sales of Existing Homes Rise in December | Transport Topics Online | Trucking ...Transport Topics OnlineThe boost to demand is feeding through into residential construction. Builders began work on 1.01 million houses in 2014, the most since 2007, Commerce Department data showed this week. Sentiment in the industry is running close to a nine-year high […]
Newsmax.comHigh Housing Prices Damp Sales of Existing Homes to Miss ForecastNewsmax.comThe boost to demand is feeding through into residential construction. Builders began work on 1.01 million houses in 2014, the most since 2007, Commerce Department data showed this week. Sentiment in the industry is running close to a nine-year high ...and more »
Pittsburgh Post GazetteHigh school wrestling notebook: New homes for team titles?Pittsburgh Post GazetteBurrell's Alan Beattie, left, said he believes the top-seeded Buccaneers can win the WPIAL Class AA team title again. Share with others: 0 inShare. By Ken Wunderley / Tri-State Sports & News Service. Will there be a changing of the guard when the […]
Montgomery AdvertiserNewer homes, amenities at Woodland CreekMontgomery Advertiser“Woodland Creek offers new homes in the Town of Pike Road starting below $200,000 to well over $500,000 in an amenity-filled community. With the variety in home prices, Woodland Creek is perfect for someone looking for their first home, or looking to ...
9NEWS.comPetline 9: Two Cocker Spaniels need some new homes9NEWS.comKUSA - Audra Bowen with Cocker Rescue is bringing two dogs, Molly and Sadie to Petline 9 Saturday morning. Molly is house trained, crate trained and good with other dogs. She came to Cocker Rescue as a confused little girl as she had been a stray.
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HaaretzKurdish fighters push ISIS out of KobaneHaaretzSyrian Kurds, backed by US-led airstrikes have been battling to hold off an Islamic State onslaught that began in mid-September. By DPA | Jan. 26, 2015 | 3:49 PM. submit to reddit. A Kurdish fighter in Kobane. Photo by AP. Text size. Comments (0). Print Page.Islamic State group nearly […]
Financial ExpressLooking back at the Greek crisisReutersGreece, which triggered the euro zone's financial crisis in 2009, heads to an early snap election this week, just over halfway through the government's four-year term. With the country's sudden return to the spotlight, Reuters photographers take a look back at a ...Greek elections: Syriza gives eurozone economic headacheBBC NewsStreet […]
Fox NewsNortheast Corridor braces for 'potentially historic' snowstormFox NewsThe Northeast Corridor was braced Monday for a "potentially historic" blizzard that could pack ferocious winds and dump as much as 3 feet of snow along a 250-mile stretch from northern New Jersey up to southern Maine, affecting millions and potentially ...Blizzard 2015: 250-Mile Stretch of Northeast Braces […]
The Indian ExpressObama won't be able to repeat his China climate change deal in India. Here's ...The Week MagazineUrging Prime Minister Narendra Modi to commit to action on climate change ranks high on President Barack Obama's list of priorities during his visit to India. The recent U.S.-China agreement sparked optimism on climate change cooperation between ...US […]
Toronto StarDid a drone land on White House lawn?Christian Science MonitorA White House official said a device had been found, but did not deny that the object found on the White House Sunday night was an aerial drone. By Nedra Pickler, Associated Press January 26, 2015. About video ads. Washingtno — A device, possibly an ...Device, […]
Wall Street JournalChristie pension fix shouldn't mix state and local plans, towns group saysNJ.comTRENTON — With Gov. Chris Christie's pension commission report looming, the head of New Jersey's League of Municipalities last week launched a pre-emptive strike against one possible pension fix local officials fear could raise New Jersey's sky-high ...Chris Christie starts 2016 presidential campaign […]
BBC NewsReady those telescopes: Mountain-sized asteroid to pass by EarthCTV NewsAmateur astronomers will soon get the chance to observe a half-kilometre-wide asteroid as it safely passes close to Earth on its 200-year-long orbit. The massive asteroid, awkwardly dubbed 2004 BL86, will be visible through amateur telescopes on Monday ...Mountain-Size Asteroid to Fly by Earth MondayDiscovery NewsAsteroid […]
NBCNews.comSurvivors visit Auschwitz on eve of 70th anniversary of camp liberationYnetnewsWith some returning for first time, survivors from around the world arrive at former extermination camp to pay homage to their relatives and the millions of other Jews murdered by Nazis. News Agencies ...Survivors visit Auschwitz a day ahead of 70th anniversaryDaily MailPoland-Russia row sours Auschwitz […]
U.S. News & World ReportGOP senators, and possible 2016 rivals, vie at Koch brothers retreatLos Angeles TimesThree potential Republican presidential contenders parried on issues including Cuba policy and the qualities necessary to win the White House during a Sunday night panel discussion that also afforded an unprecedented, if limited, peek into the workings of ...Republicans Evasive […]
NewsweekRussia warns West not to blackmail it over UkraineReuters AfricaMOSCOW, Jan 26 (Reuters) - Russia blamed Kiev on Monday for a surge in fighting in Ukraine and warned the West that any attempt to increase economic pressure on Moscow would be "absolutely destructive" blackmail. Pro-Moscow separatists, backed by ...Russia defiant after threats from West over UkraineEconomic […]
Italy to halt solar power sector incentives -deputy industry ministerReuters"The government believes there is no need to offer (solar) plants further support." Italy's solar power market, which has drawn private equity firms such as Terra Firma and First Reserve as well as bank-owned investment firms and pension funds, took ...Italy planning to put an end […]
CleanTechnicaGermany Offers Saudi Investors 15% Return On Solar Power InvestmentsCleanTechnicaThe European solar power giant also needs new innovations in the solar power domain as the German market seems a bit saturated with current technology. New and upcoming solar power, storage, and smart grid technologies would require significant ...Solar parks: Capturing power from the sunDover PostAfrica's quiet […]
Region signs onto solar power dealSt. Catharines StandardA staff recommendation to enter into MicroFIT deals with the Ontario Power Authority first discussed at corporate services committee was given final approval by regional council Jan. 15. The deal between the OPA and Region will see 16 photovoltaic ...
Indianapolis StarWhy you need to pay attention to solar energy legislationIndianapolis StarThe 36 solar panels point south from their perch on the roof of Cumberland First Baptist Church. At first blush, they seem like an unlikely nod to one of the most basic Christian tenets. "There is a holy mandate to care for the earth, […]
The Conversation AUThere's a sunny future ahead for rooftop solar power: here's whyThe Conversation AUOver the past five years the world has seen a dramatic fall in the cost of solar energy, particularly rooftop solar panels or solar photovoltaic power. It is now a real alternative and considerable player…Solar bungle to hit green households, with […]
Focus Taiwan News ChannelUS to impose big tariffs on China and Taiwan for dumping solar panels on marketComputerworldIn 2012, the U.S. imposed tariffs ranging from 31% to 250% on solar products imported from China. A year later, the European Union followed suit and imposed its own anti-dumping and anti-subsidy tariffs on Chinese solar panels. Those […]
Wis. farmers turn to solar powerWXOW.comSpring Valley (WQOW) - Hundreds of farmers are visiting Eau Claire this weekend for the 84th Annual Wisconsin Farmer's Union Convention. One of this year's major topics is using solar energy in agriculture. Spring Valley Farmer Joseph Bacon first ...and more »
Inhabitat's Week in Green: solar-powered planes, bamboo bikes and mud housesEngadgetOne of America's most innovative solar power plants officially opened in the Mojave Desert this past week, and it's expected to provide enough energy to power nearly 90,000 homes. The Mojave Solar Project is a concentrated solar plant that uses ...and more »
Scientific AmericanWill Falling Oil Prices Kill Wind and Solar Power?Scientific AmericanRight now renewable electricity is roughly 13 percent of total electricity generated in the U.S. Half is hydropower and the other half is mostly wind energy, with some solar, biomass and geothermal. Renewable energy costs have come down significantly.Planned solar farm in southwest MN draws […]
Pensacola News JournalGulf Power, military bringing large-scale solar powerPensacola News JournalGulf Power is partnering with the U.S. Navy and U.S. Air Force to build solar energy farms at three different facilities across Northwest Florida. Today, the utility submitted the renewable projects to the Florida Public Service Commission (FPSC) for ...Odd coalition prepares to pressure lawmakers […]
ForbesGoogle: Why we won't patch pre-KitKat Android WebViewZDNetGoogle has finally explained why it's not going to develop its own patches for WebView for Android versions 4.3 and earlier, even though it could leave over 930 million Android devices exposed to attacks. The company's decision was only discovered ...No Longer Practical For Google To Update Android's […]
ForbesApple Vs Android War Escalates With Crippled Nexus 6 Blame GameForbesI have a love and hate relationship with the Nexus 6 and there is no doubt that the massive successor to the game-changing Nexus 5 polarises opinion. But whatever your feelings, it has been revealed that the Nexus 6 had to cut one major corner […]
Ars TechnicaAsana's New Android App Shows Design Matters in the Business WorldWiredWhen Asana's lead mobile engineer took the floor, he played a music video that showed just how much people hated the company's Android app. “It had this really sad song. And the video itself was a combination of pictures—fire and brimstone—overlaid ...Conjuring Android's best […]
PC AdvisorAndroid Lollipop UK release date, new features and upgradesPC AdvisorWhen will your phone get Android Lollipop? The final version of Android 5.0 Lollipop was unveiled only in October, yet Android 5.1 Lollipop is rumoured to be on its way. Here's what you need to know about Android Lollipop's release date, design and new ...Android Lollipop […]
TechCrunchFacebook Is Testing A Simple App For Low-End Android PhonesTechCrunchTechCrunch understands that the app was quietly launched in a handful of countries in Asia and Africa over the weekend — Bangladesh, Nepal, Nigeria, South Africa, Sudan, Sri Lanka, Vietnam and Zimbabwe to be precise — where it is being testing with a ...Facebook quietly launches a […]
ForbesSony SmartWatch 3 Review: Android Wear's First Generation ChampionForbesThe first is Sony's use of Android Wear. The two previous numerical efforts (and the Sony LiveView watch that came before those) all ran proprietary operating systems. They all tied in heavily to Sony's Smart Connect software on Android, and gave Sony ...and more »
Google Updates Its Android Compatibility Definition DocumentAndroid PoliceGoogle's compatibility definition document (CDD) is meant to provide guidelines, requirements, and recommendations to Android device manufacturers who want their devices to be "compatible" with the latest release of Android, allowing them to pass ...
Ars TechnicaSigns of progress: One month with Android Wear 5.0Ars TechnicaGoogle also recently sent us another Android Wear watch we hadn't seen before—LG's G Watch R, the round version of the regular square G Watch we looked at back when Android Wear launched. It looks more like a finished product today, where as the first ...
GizmodoCyanogen Wants to Wrestle Android Away From GoogleGizmodoEssentially, McMaster wants to live in a world where Android is a completely open platform, all the way down to its core, so that more developers can create highly integrated services and platforms on the OS. As Android Authority points out, Google Now ...Cyanogen Wants To “Take Android Away” […]
Top Android news of the week: Windows phone, Samsung overheating, and ...ZDNetandroid-logo.jpg Rumor: Microsoft considering support for running Android apps. A report surfaced this week that claims Microsoft is considering letting Windows Phone owners run Android apps. The lack of apps compared to the competition has long ...and more »
If you're an Android Developer, you've come to the right place. Find out how you can join our team. INFO@DEVELOPERS.ORG
The GuardianLego — Silicon Valley entrepreneur's building block to technical innovationThe GuardianHis father, himself an engineer and serial entrepreneur who works at Intel, invested $35,000 to get Braigo Labs off the ground last summer. Shubham built a more sophisticated 2.0 version using an off-the-shelf desktop printer and Intel computer chip ...13-year-old inventor of Lego Braille […]
Wall Street Journal (blog)The One Factor That Predicts an Entrepreneur's SuccessWall Street Journal (blog)SHARON HADARY: The only statistically significant predictor of whether a business owner will be successful in obtaining expansion capital is not the size of the business, the time in business or the industry—it is the owner's goal for growth. This is ...
Pakistan TodayThe 15 year-old entrepreneur at the centre of a Facebook-Google tug of warITProPortalIn light of Impossible Rush's success, Facebook's internship department has invited Pasternak on a tour of the company offices in California, while Google has invited him to its MIT-sponsored Hack Generation Y event, in which young entrepreneurs create ...Teen eyes Google, Facebook […]
Wall Street Journal (blog)Why Being a Franchisee Isn't Like Being an EntrepreneurWall Street Journal (blog)AMY WILKINSON: Entrepreneurs often think buying into a franchise will be an entrepreneurial experience. Whether buying into sandwich company Quiznos or pizza delivery business Domino's, however, running a franchise requires a high degree of ...
From Rock Bottom to Successful Entrepreneur: One Woman's JourneyHuffington PostIn her early 20s, Ruth Soukup spent 2.5 years battling debilitating depression. Today, she is a happy mom, wife, author and proud owner of a thriving Internet business. How did she overcome depression to build a happy, healthy, successful life ...
UCF seeks expanded entrepreneur programOrlando SentinelThe program matches an entrepreneur with an investigator and with mentors who can help guide them. The first class includes teams focused on driverless vehicles, smartphone spectrometers and e-book platforms, among others. Apple seeks new hires.UCF seeks expanded entrepreneur planNational Reviewall 4 news articles »
TechCrunchThis Entrepreneur Quit His Day Job To Make A Little Rubber Thing For Your ...TechCrunchA cursory search under “headphone management” will bring up virtually hundreds of products. Spoolee's novel contribution to the category is a twig adrift in an ocean of competition. This seems like a small and unusual product for us to cover but […]
10 Steps to Becoming a Successful EntrepreneurEntrepreneurSucceeding as an entrepreneur takes hard work and persistence because, unfortunately, there is no business-startup fairy who magically bestows success on small businesses and their owners. Most successful entrepreneurs follow comparable patterns and ...and more »
Entrepreneur7 Unexpected Signs You Might Be an EntrepreneurEntrepreneurWell, inspired by Jeff, I've been thinking about a “You might be an entrepreneur” routine—in other words, slightly unexpected signs you've got what it takes to go through the thrilling, punishing, life-changing experience of starting your own company.
TechCrunchSerial Entrepreneur Andrew Weinreich Launches Intensive Startup BootcampTechCrunchNew York-based serial entrepreneur and angel investor Andrew Weinreich's next venture is to offer a free education for would-be founders. Weinreich is joining the ranks of business schools, serial entrepreneurs and even national foundations offering ...
With more and more unnecessary services and products being offered for people to choose, iToxic can be created where people's minds and spirits are pre-occupied with unnecessary toxic clutter. iToxic is a problem in today's society, as the chain reaction of problems can occur, resulting in the necessity of detoxification. Detoxifying the toxicity will result in a more holistic and calmer lifestyle that will eliminate the need and desire to always be affected by the latest and greatest things that appear to be helping people, but in reality, hurting.
Cancel The Account
Why you should "cancel the account" you have that you aren't really using, and especially if the service provider charges you some penalty for termination. You should think twice before signing up since the service provider's methodology is to trap you so you think and delay the process to CANCEL THE ACCOUNT, and while you delay, you just continue to pay and pay and pay away...
Based on the information in your credit report, lenders calculate your credit score so they can assess the risk you pose to them before they decide whether they will give you credit. The higher your score, the less risk you pose to creditors.
A credit report contains information on where a person works and lives, how they pay their bills, and whether they’ve been sued, arrested, or filed for bankruptcy. The Consumer Reporting Agencies gather this information and sell it to creditors, employers, insurers, and others for purposes of profiling each individual who has a Credit Report with their […]
By monitoring daily or monthly activities is something unheard of by most people. It’s because staying in the dark is what the default option generally is. But if you want the light to shine, you might as well “just do it” and start monitoring your credit report so you know what is going on when […]
If your car is mis-aligned, your car will drive wobbly and not take you where you need to go in a comfortable and smooth fashion. Just like a credit report. Having items listed that aren’t aligned with you need to be fixed so that the report can be aligned and tailored to reflect your actual […]
If I knew the errors on my report, I wouldn’t waste any time waiting until those errors vanish away on their own. That’s not going to happen by the way. So, the longer I wait, the longer I take to build my credit to a proper level that reflects my actual credit. There’s no way […]
The simplest ways to improve your credit score is by leasing a vehicle or financing a vehicle or having some type of a credit loan. This will increase your credit score since you will be building your history of paying responsibly. But, if you have a problem with your score and you need to increase […]
Not only do you know what you have on your credit report, but you get to get down to the details of what is in the report including accuracy, score, credit available, loans, open credit cards, closed credit cards, loans paid off, public records, liens and more about general confidence with your overall status. This […]
There are groups that specialize in strategically assisting to lead you in the right path. A few examples of those groups may be found here on CreditScore.org.
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