Another principle I learned from my parents is to have respect for everyone. Learning that principle early in life helped me to obtain communicative skills that allow people to feel comfortable opening up and speaking freely. People are open to teaching you things you may not know if you are willing to listen.

Wanting to Write a Book?

What objective are you planning to meet by writing a book?

If you don't have a definite answer to the question, you should consider waiting. You want the readers to be as excited about reading the book as you are about writing it.

Have you had your credit card for longer than your other accounts? Use the FICA measurement charts as you determine whether you want to close an existing credit card after transferring or paying down the debt. Consider paying off the credit card with the highest interest rate first. Allot an amount of money to pay in addition to the minimum amount due each month.
Homeownership This type of purchase is recognized differently than the average loan or credit card. Try signing up for bi-monthly payments and consider paying an additional fee to the mortgage principal every month.