December 16, 2004

The Business Case for XSLT 2.0



by Kurt Cagle

In my previous posting (Imports and Tunnelling in XSLT2) I started down a path that I've been planning on covering for a while: presenting a solid business case for migrating to XSLT2. When I first encountered XSLT, after an initial period of attempting to understand the paradigm, I found myself both impressed and disappointed. XSLT is an often underrated technology, in great part because it doesn't fit cleanly into the Algol-based model that is most commonly used today (C, C++, C#, Java, etc.).



I consider XSLT something of a jujitsu language - it is most effective when used sparingly, letting the XML itself do the heavy lifting with the XSLT providing just enough of the pivotal support to do incredible things. That's why it has quietly become the silent partner on any number of different platforms as XML becomes more pervasive on those platforms. It is used within any number of Java and .NET applications, just another piece of the infrastructure, though one that does a disproportionate amount of the real work in applications that are increasingly driven by dynamic GUIs and web services.



Yet what disappointed me about XSLT, especially the more that I had a chance to play with it, was the fact that it was deliberately shackled by its conception as an XML translator to HTML. You couldn't manipulate non-XML text with it, could only do a fairly limited number of strong manipulations (in a language that was, fundamentally, parsing text), you couldn't create intermediate nodes for processing, and things that should have been fundamental - the ability to create an indexed for-loop, for instance - necessitated some very ugly recursion that added considerable complexity to the language without a lot of reward.



I wasn't the only one who found this to be the case, by the way. Indeed, many developers have come to XSLT for its potential capabilities but found themselves so bogged down with the verbosity and complexity of XPath manipulations that they would soon beg to find some other, easier solution. This has, in turn, created something of a backlash to the language, and more than a few projects built around XSLT have consequently become management nightmares, because few developers wanted to develop the expertise to debug seemingly incomprehensible stylesheets, especially given that it fell into the "declarative ghetto" where salaries were often lower than for procedural programmers because of the bias to see XML expertise (and consequently XSLT) as being simply an extension of HTML expertise.



This motivated me to follow the development of the "next generation" of XSLT, with the hope that it might prove an improvement over what currently existed. XSLT 1.0 was not so much broken as incomplete, though there were some fundamental changes that needed to be made to the data model in irder to accomodate the additional changes. Thus began an arduous trek following the development of XSLT 2.0.



By the time that XSLT 1.0 came out, James Clark, the iconoclastic genius who created XSLT in the first place, had shifted his attention away from transformations and into schemas, eventually laying the groundwork for Relax NG. Meanwhile, Michael Kay, the author of the authoritative XSLT books for Wrox and the creator of the Saxon XSLT processor, took over the editorship of the XSLT working group, working in conjunction with people such as Jeni Tennison and Dimitre Novatchev to establish both a set of extensions to XSLT 1.0 under the EXSLT.org banner and ultimately a proposed XSLT 1.1 Working Draft by mid 2002.



However, a number of realizations about the depth of the problem with the data model (and consequently of XPath, which relies heavily upon this model) forced the withdrawal of the XSLT 1.1 Working Draft from the W3C and the formal establishiment of an XSLT 2.0 working group. The goal of this group was simple -- to do XSLT right, to fix some of the biggest problems of XSLT that came from being based upon certain intrinsic assumptions and to revise XPath so that it would be robust enough to handle a much wider range of problems.



Not Your Father's XSLT


The language that is emerging bears a number of broad similarities with XSLT 1.0, but underneath it is a considerably more sophisticated vehicle. Perhaps the biggest change has come in the introduction of sequences. A sequence is a linear list - a set of XML objects, numbers, text strings, and other objects that can be ordered and otherwise manipulated. In XSLT 1.0 (and more specifically within XPath 1.0), you could only work with node lists, and even though such lists could hold text content (what are called text nodes) these were still containers for content rather than the content itself. By generalizing the node-set into a sequence, several things were made to happen:




  • Sequences could hold references to multiple distinct XML trees, something which was included as function in XSLT 1.0 (the document() function) but not in XPath 1.0.

  • You could create temporary trees of XML from other XML operations, using this intermediate XML as a way to perform other transformations. Most XSLT implementations had implemented a "fiat" way of doing this (a node-set() function, typically) but the implementations varied and the underlying model was incompatible with this.

  • Sequences made it much easier to eliminate duplicates and perform other logical operations on XML data, such as grouping (something that can be fiendishly difficult with XSLT 1.0).

  • Sequences made it possible to create iterative loops (something analogous to for(i=0;i!=n;i++){do something with i;}). The to operator in XPath 2.0 let's you create constructs such as (1 to 5), which generates the sequence (1,2,3,4,5).

  • Sequences also lay at the heart of another critical requirement for XSLT - the ability to parse strings into constituent pieces.


Once this foundational step was laid, the next stage in the process was to build up from that, adding new capabilities while still trying to retain as much of the power of the old standard as possible. This came about through the introduction of other innovations into the XSLT and XPath standards:



  • Regular Expressions. Regexes (as they are often called) provide a powerful tool for both searching and manipulating patterns within text. XPath 2 now incorporates the Perl regular expression engine (with some minor additions), making it possible to convert text files into sequences and from there into XML documents. This key capability makes XSLT a particularly noteworthy candidate for handling compiling, something that will be discussed later.


  • User Defined XPath Functions. The XPath Working Group established a formal mechanism for binding external functions into XPath, providing a clean, consisten means to build new functions XPath that could be written in C++, C#, Javascript, Java, Perl ... and XSLT. This dramatically reduces the amount of code necessary to invoke XSLT named templates (often by an order of magnitude or more) and also makes it possible to migrate XSLT from a Java based system to a C# based one without needing to change any XSLT - you'd just rewrite the external functions but keep the same function signatures.


  • Conditional Expressions. With XPath 2.0, you can now write if/then/else and for() statements within XPath, making it possible to create much richer logic into the language. Not only does this also reduce the amount of verbosity in the language significantly, it also makes it possible to solve what was typically not even possible in XPath - such as adding taxes and discounts into item costs in an invoice before finding a total.


  • Date/Time Manipulation. Date and time manipulation was something of a nightmare in XSLT 1.0, yet because of the importance of such information in transformations, there was a thriving industry in building work-arounds. Now such capability, including finding the difference between two dates or times, is built into the language.


  • Complex Grouping. The data model in XSLT 1.0 made it very difficult to handle certain kinds of groupings, such as mapping the relatively flat structure of HTML to the group and section model of XSL-FO or DocBook. With sequences and regular expressions, generating such groups is now possible, especially in conjunction with certain additional XSLT 2.0 elements.


  • Multiple Outputs. XSLT 1.0 was assymetric -- it was possible to pass in multiple XML documents through parameters, but it was not possible to produce more than one formal output. That's changed with XSLT 2.0. Now, you can write transformations that will generate any number of XML or text output formats, either to be saved to local storage or to be sent to external web addresses, depending upon security restrictions.


  • Type Awareness. Perhaps one of the most contoversial aspects of XSLT 2.0 and XPath 2.0 is the introduction of schema-aware tranformations which were capable of validating and manipulating typed XML content from external XML objects. This is not an intrinsic part of the specification, however, so it is less likely that all XSLT 2.0 processors will be schema aware.


This combination of features fills most of the holes left from the XSLT 1.0 implementation and makes it possible to start thinking about XSLT sitting not just along the periphery of your operation, but right in the middle handling the processing of business logic.



XSLT For Businessmen


In a typical business, you buy or implement business software in response to your changing business needs. Much of this software is anticipatory in nature - the designers of the applications attempt to model ahead of time the scenarios that are most likely to occur in your business, and then build the business logic for these scenarios into the code itself.



Anticipatory design has a number of side-effects, few of them positive. For starters, the applicability of the software becomes a measure of the degree to which the application designers were successfully able to model the business processes that occur. When the modelling is close, the application integrates well into the work flow of the company. When the modelling isn't so close, the company is all too often forced to adapt to the workflow of the software, which introduces inefficiencies.



Moreover, over time, a company's business requirements change as the business itself changes. However, the software has almost certainly been written by someone who is no longer writing that particular piece of software -- best case scenario is that they are working on some other part, and consequently have to stop what they're doing to change the code. Worst case scenario is that your lead programmer is India (unless you are in India, in which case your lead programmer is in London), has long since left the company, and likely didn't document the code terribly well. Thus, over time, the software decays, until it is no longer useful to the company, forcing another massive expenditure into the whole in your business called IT Expenditures.



Finally, many such solutions are intimately tied not just to a particular operating system but a particular machine, and should something happen to that machine, your company could be left with a major problem.



All of these situations point out the limitations of anticipatory design, but such design is still the most prevalent because it 1) keeps software vendors in business, 2) keeps consultants in business, and 3) ultimately forces hardware upgrades, keeping hardware vendors in business. Of course, unless your business is specifically dedicated to keeping these three groups in business, such design often becomes a hidden tax on computer usage, a constant drain on expenditures that becomes very easy to accept as unavoidable. However, that cost really isn't as necessary as it may seem.



One of the great benefits of XML is the fact that it's use tends to encourage adaptive rather than anticipatory design. With adaptive design, the business logic of a company can be readily encoded in an easy to manipulate bundle of information which can work across any platform. Your code can generate your user interfaces in response to changes in data requirements, passing that information into transformations that can readily encode the business logic. Moreover, even the transformations themselves can be transformed, can be designed to change as business parameters change. In short, such systems, adapt to the changing requirements of the business.



XSLT 1.0 was an interesting first step in this process, but all of the points mentioned above - the complexity of the language, the verbosity of the code, and the often counterintuitive techniques necessary to handle frequent operations made it less than idea for this particular process. However, XSLT 2.0 is considerably simpler to follow, write, and maintain, can more reliably integrate with external processes and objects, and is able to handle multiple possible input and output forms at once.



As tools such as XForms (or some equivalent XML centric forms technology) becomes more prevalent, this also means that interface tools (and not necessarily just "web tools") will increasingly generate and send XML content directly rather than the more limited name/value pairs of HTTP (in essence what SOAP does via the agency of web services), and in general XSLT is a better tool for manipulating and extracting information form XML sources than DOM tools are ... if that extracted information is itself in XML format. In that respect, DOM can be thought of as being a binding mechanism that connects XML with other object representations (that is, other programming language data structures).



This use of XSLT within XML millieus is an important concept, with very broad implications. XSLT is not sexy. There are no marketing teams out there who put out multimillion dollar ad campaigns featuring well-coifed executives staring raptly at XSLT code on their laptops. Instead, XSLT is an infrastructure sort of thing, found deep within (a surprising number of) applications, increasingly taking over the task of document and object conversions that for years had been the domain of heavily sequestered filter writers. The application I'm writing this on right now, an HTML editor which I wrote, uses XSLT to convert between an editor component's internal representation and one of several XML formats -- including docBook, XHTML, Microsoft Word 2003's XML format and others. Yet without knowing that, you'd never even be aware of how critical that technology is, because it does exist so quietly.



Code Building Code


XSLT 2.0 will likely become much more pervasive, because it's domain of applicability is so much broader and because much of the design of the second version of the language is deliberately built around the manipulation of any textually represented object -- including other programming languages. Most programming languages have a very well-defined programming structure, independent of the commands themselves -- packages, classes, constructors, destructors, methods, properties, event handlers -- in most cases there are relatively few variations off of these basic entities, in great part because programming languages are process descriptions (at least imperative languages are).



XML in turn is a good language for the description of descriptions, and as a consequence, it can very readily incorporate larger functional blocks of code in a descriptive matrix. Once in that format, generating code in other languages becomes much easier using a language such as XSLT2, especially with the addition of regular expression tokenizing parsers. On the flip side, XSLT2 is also remarkably good at the inverse process -- parsing program language blocks and converting them into an XML representation. In short, XSLT2 could find itself becoming what amounts to a universal compiler/decompiler, at first into intermediate forms such as Java or C#, and then with increasing frequency, directly into bytecode or intermediate language (IL) generators (this is especially significant of C#, which already maps many of its languages into a common IL format).



From an application standpoint, this raises the real possibility that this next generation of XSLT2 could in fact not only handle the processing of business logic, but actually generate just-in-time compiled code to more quickly execute such logic, and could perforce route it to the locations where such JIT code would be needed. User interfaces could be built on the fly, something especially critical in business applications where a significant portion of the programming work (and hence cost) that takes place is oriented to developing the screens whereby people interact with the data. The combination of XSLT2 and web services can also abstract connections into SQL and LDAP repositories, meaning both that such data sources become more interchangeable and that the way of accessing something as different as a relational database and an LDAP directory becomes irrelevant.



Finally, XSLT2 simplifies the way that information moves within your enterprise, ironically by moving away from what had been the cornerstone of programming in the 1990s - the object-oriented-programming paradigm. One of the difficulties that has emerged from OOP principles has been in determining the decomposition of a problem space into distinct classes. Programmers new to OOP (and in all too many cases not so new) have a tendency to want to model everything as a class, and as a consequence their application code begins to resemble the Harry Potter series -- full of wonder and magic, but with entirely too many pages for what is, fundamentally, a children's story. The problem with this is that each class has to be written and tested, not only in isolation but also in tandem, and a seemingly trivial change in a base class can have profound consequences for other classes built upon it.



XSLT 2.0, on the other hand, shifts the approach taken from building up this complex zoo of class critters and pushes it back towards an approach which is coming back into vogue with the advent of Linux: streams and pipes. A stream can be thought of as data moving between two processes, whether those processes be a file reader, a web server, a program, a database, a web client, or the interface to some piece of hardware. A pipe on the other hand, is the conduit which carries the stream. The OOP revolution placed a huge amount of significance on the node where pipes met, and tended to relegate the pipes and streams to secondary status, at best.



However, XML and the web is changing this. One effect of XML web services is to envision programs as being the transmission of streams of data to distinct end-points, URLs, without necessarily caring about what happens within that end-point. An object orientation gives many more points of access into an object, but typically at a cost of dealing with that object's specific data restrictions. With a web service, I can send a stream of information to a URL, and the process at that end will choose (if it is well designed) to either determine that it is valid and usable (there are processes that are designed to work with that stream at that node), that it is valid but not immediately usable (it is sent off to a different process which will attempt to rectify it into something of significance to the first process) or that it is invalid (whereupon notification of this lack of validity is sent back to the sender).



XSLT2 can handle all three potential conditions (though the case where the data is not well-formed XML gets a little complicated). Well formed XML has an associated namespace, and this namespace can actually be used by the XSLT itself to determine the proper handling of XML content, perhaps with the concept that such an XSLT could pass on the parameters acting upon the transformation into part of a SOAP message and then routing that message to the appropriate final transformation. in a purely asynchronous model (one where each node can act both as a transmitted of XML and a receiver of XML under separate processes), the routing XSLT does not have to be the XSLT that handles the final processing of the associated data -- or the one that communicates back to the client. While this model doesn't quite work in the fairly strongly synchronous browser model that most people connected to the web currently use, contemporary web clients are in fact shifting to an asynchronous model where it will work just fine.



An Open Letter


If XSLT2 is such a superior technology, why has it raised the ire of a few of the largest software vendors (most notably Microsoft)? This is in fact a case of the question providing its own answer. XSLT 2.0 provides an answer to many (perhaps most) of the complaints of XSLT 1.0, including the most damning ... that it is too conceptually difficult and verbose for programmers to learn. XSLT2 is more functionally oriented than XSLT1, making it easier for programmers more comfortable with languages such as Java or C++ to use.



XSLT2 also binds to external classes much more transparently, making it much easier to communicate with external processes within the environment, regardless of what that environment is (or what kind of box that environment is running on). It doesn't require an expensive suite of tools, compilers, and libraries of objects to work with it, and it is fundamentally oriented to manipulating XML data (though not exclusively) without the strong-typing limitations that come with Algol based languages.



XSLT is also considerably more secure, based upon what I'd call the potency argument. In essence, most binary objects contain not only their own state but also the mechanisms by which that state gets expressed to the outside world. In essence, these objects are potent - they have the ability to create side-effects that may not be obvious from their interfaces, as they have to have a certain level of interaction with the system in order to be able to function. In effect, the level of trust that these objects require of the system simply in order to operate is too high, forcing the creation of human trust authorities.



With XSLT, on the other hand, the streams of XML information coming in are pre-potent. They provide a description of state, but are reliant upon the XSLT that is resident within the server to handle the manipulation of that state, and correspondingly to specifically provide exceptions for handling things outside of the boundaries of safe behavior. It is consequently incumbent upon the maintainer of the system to choose the interpreters of that data, rather than placing the security demands upon the (non-technical) users of the applications.



Given all this, XSLT2 enabled systems could serve to signficantly erode the requirements for complex components that sit at the heart of most operating systems, a potential boon to open source systems such as Linux but one that could dramatically impede the ability to effectively sell subsequent implementations of Windows (or so at least one line of reasoning goes that I've seen bandied about). It makes code generation a just-in-time process and so effectively blurs the distinction between data and code, a distinction that Microsoft still makes even as it defines its own XML user interface language (XAML, which requires a healthy dose of C# "code-behind" in order to do more than trivial applications).



Microsoft has chosen to include XQuery 1.0 (a data-binding language that builds on XPath) but not XSLT 2.0 in Longhorn, citing everything from lack of customer interest to complexity in implementation to insufficient maturity on the part of the specification. They have even gone so far as to try to develop an alternative language, C Omega, which is supposed to provide a C# oriented approach to manipulating XML.



I've played with C Omega some - it is a reasonably good way to avoid some of the tedium of working with the W3C DOM, and it is certainly possible to use it for some of the same purposes that you'd use XSLT2, though it lacks the powerful recursive templating capability that I think gives XSLT most of its power. It presupposes that the appetite for XQuery will be strong enough that they can essentially build a hybrid language around it, though after having written two books on XQuery that have between them garnered less than the production costs for the books in question I'm much less inclined to agree, especially as XPath2/XSLT2 becomes much more functionally oriented.



At the last Sells Brothers XML Conference (which I would heartily recommend, by the way) I gave a talk on Saxon.NET, an open source project in which M. David Peterson has converted Michael Kay's superb Saxon 8.0 XSLT 2 implementation over to .NET, with Dr. Kay's approval. I'm using it now for a content management system, and it has performed far better than I had even hoped. At any rate, when the Microsoft representatives at the conference later asked at the crowd whether they would rather have work on XQuery or XSLT2, the number of people (in many cases customers of Microsoft) who wanted to see a new XSLT outnumbered those of XQuery by a considerable margin.



While I strongly support Mr. Peterson's efforts, I also would like to make a plea to Microsoft to reconsider your stance on this. I believe that the demand for a more powerful version of XSLT is out there, and that it is being driven by application developers who are building applications for Windows as well as elsewhere. It will become the de-facto standard within your competitors' business productivity suites, web clients, home entertainment applications and operating systems, because if you choose not to develop such a processor, others will provide .NET versions that will be used in place of your own offerings. You will have already done most of the hard work in implementing it, as the major portion of the changes that occur in XSLT 2 is due to the revision of XPath 2.0, which you are already developing to support XQuery.



To business decision makers reading this, chances are really good that you will likely never actually have to sit and look at a screen of XSLT 2. However, as with XML six years ago, XSLT 2 is a technology that will likely end up shouldering much of the day to day processing within your organizations over the course of the next five years -- it is a natural complement to XML, which has, like kudzu, pretty much taken over the data infrastructure of most applications it comes in contact with.



There's another factor that comes into play here from a business perspective. In 1993-4, an independent consultant could earn $250 an hour writing HTML content. Today, HTML is considered a basic skill that every graphic designer needs to learn as part of his or her doing their job, and HTML generation is mostly handled via automation mechanisms. XSLT serves many of the same purposes that tools such PHP, ASP.NET, Perl, and JSP serve today, but as the world continues its adoption of XML as the standard for conveying structured content, XSLT is becoming something of a lingua franca - a common tongue - that developers in this space are learning, and are finding in that learning that by intelligent application of that XSLT that particular skill is cleanly transferable from a Linux box running Apache using PHP and a Windows box running IIS and ASP.NET.



XSLT 2 is not a new language - it is XSLT cleaned up to handle the areas it should have been capable of handling before, with much less verbosity, more integration, more power and a considerably easier development and maintenance path. This means that the learning curve for those developers going from XSLT to XSLT 2 will be much less extreme than having to learn another language in toto. This in turn means that within a space of a couple of years, if not less, XSLT2 will likely be just another core skill that a developer should have, yet one that helps them write platform and language neutral code for dealing with all of the XML that is even now circulating through your business. With skilled programmers in any area once again beginning to demand a premium, the coming ubiquity of XSLT2 skills should help keep your labor costs down not just in your web development department, but throughout your organization.



/EndTag


There's a tendency of late for writers in the XML space to want to play down some of the more recent standards from the W3C, a tendency to go "ho-hum, it's just the sequel". I think this attitude can blind people to what is actually happening. XSLT 1.0 was a uniquely different and powerful solution, and after having worked with it on an almost daily basis for nearly the last decade my respect for its innovation has only grown. However, even four years ago I felt that it wasn't powerful enough, and the amount of customization on the part of XSLT processor vendors over the last several years to me is testament to that. XSLT 2.0 is not profoundly different from XSLT 1.0 - it's in fact almost completely backwards compatible.



It does, however, rectify the shortcomings that emerged from the first iteration of the language, and does so in a way to make it an astonishingly powerful language. History is full of such standards, such as SQL, where it took one or two iterations to handle the inevitable discovery process that is part of any great human endeavor. This tool, XSLT, is already becoming one of the core work-horses in most contemporary applications, even given that it was never originally conceived to do what it is called for. To move forward to a version improved by half a decade of insight and exploration is not only logical, it's good business.

163 comments:

Anonymous said...

Great Blog, check out this business. This is the Goose that lays you Golden Eggs! business advise for home inspection

Enjoy!

Mohawk Man said...

You have an interesting blog here. Some of the things people put are kind of strange. Another cool site is a work at home business site that is about Home biz stuff.

Anyway, I like your blog and will proably be back.

Take care.

Anonymous said...

One good resource for help desk software and many more free software alternatives is Software4YourSuccess.com
Yes it is my site and I would love for you to drop by for a second. From there you will have free access to several of my products such as The Marketing Toolbar (which is goldmine of information on how to do things quickly and on the cheap, thus saving you time and money).
Also for webmasters I have created Webmaster Wizards, which will help you with almost every aspect of putting code on your site from things such as legal and privacy disclaimers to popunders. I have so much content and free software there I could fill up this whole blog, so check it out Thanks, Sincerely Rob Rudd

Anonymous said...

the kind of knowledge you need when dealing with this subject belt money I will look out for more of your blogs belt money

Anonymous said...

Hello,
You have a great blog here!

Life is the only time where you get the test before the lesson.

I have a linux web site hosting site. It pretty much covers ##WEB HOSTING## related stuff.

Come and check it out if you get time.

Anonymous said...

Hey, you have a great blog here!

Just wanted to say hello world and send a blog.
Hope I did this right?

I have a target web site traffic site. It pretty much covers ##WEBSITE TRAFFIC## related stuff.

Come and check it out if you get time.

Thanks again

Anonymous said...

Hey, you have a great blog here!


I have a buy targeted web site traffic site. It pretty much covers ##WEBSITE TRAFFIC## related stuff.

Come and check it out if you get time.

I'm new to blogging so sorry if it's not right for your blog.
Hope to see your blog grow.

Thanks again

Anonymous said...

I discuss this topic daily myself. I also have a website that talks about mlm business opportunity cdr related things. Go check it out if you get a chance.

Anonymous said...

Thats a great view point. I had not really considered it from that perspective before regarding work at home canada. Put it this way, most people who are rich have their own businesses many of which started as a work from home based business. I have an article based webs site discussing such issues as work at home canada which should be an eye opener for most people thinking of starting their own home business. Keep up the great information with your blog.

Anonymous said...

Hey..I found a company that pays you to shop at Wal-Mart or McDonalds..Check it out.....mystery shopper site

Anonymous said...

There are only so many ways to describe the benefits of running a home based business covering new home based business idea topics. We also tried to express the ups & downs of running your own home business that covered new home based business idea. Most MLM schemes people take up as their first home business wont make any money without proper initial support from their sponsors. Great blog - I will return often.

Anonymous said...

Wow, I really like this one. I have a website that talks mostly about good internet make money You should check it out sometime.

Anonymous said...

情報ビジネス関するブログ
small business opportunity

Anonymous said...

I just bookmarked your blog. I will try to post often.

Do you think gas pricing is ever going to go down? I founds some gas saving tips at free sports pick


Keep in touch :)

Anonymous said...

WOW… this internet marketing ebook blog just keeps getting better. I got some great ideas from this internet marketing ebook posting. I can’t wait for the next internet marketing ebook article

Anonymous said...

great blog. i enjoyed reading about business site web I have a blog here business site web

Anonymous said...

Wonderful thank you which was consulted very much

But in blog of my site, when that has been written about information business should drop in freely.

business development

Anonymous said...

Your blog has some good stuff here. This is also a good site for advertising company.

Anonymous said...

Nice Blog. If you are looking for more information on fee financial only planning.
Check out this site fee financial only planning. I found this site and think it may be useful.

Anonymous said...

Wow, I really like this one. I have a website that talks mostly about email marketing package vancouver You should check it out sometime.

Anonymous said...

This blog is awesome! If you get a chance you may want to visit this ebook website site, it's pretty awesome too!

Anonymous said...

Ya, hi there uh Kurt is it?
I just found your blog called The Business Case for XSLT 2.0. I've been scouring the net the last while looking for various types of master package resell right . As you read, my grammar is not too excellent!! LOL - (:--).

Do you have any master package resell right ? You do anything with it?

I've been selling mine online. Been having to learn tons. Blech!
So far all I've been able to get done is put them into a
membership at: http://www.TonOFeBooks.com .

Must run, it's getting late and I must learn to short post hey!

Smile on Kurt !
Have a super nice day,

Chad again.

George said...

How would you like a quick and easy way to keep track of all your important information and activities House . House

Anonymous said...

Greetings Kurt !!
I just wanted to thank - you for leaving your comments turned on for your post called The Business Case for XSLT 2.0. I'm always searching and keeping an eye out for more blogs and sites about ebook author ebook resell right .
Pardon my bad typing! LOL - (:--).

Say, I'm curious if you've ever seen a ebook author ebook resell right ? Do you sell them too?

So far I've sold a few - it's been interesting to say the least. Lot's of hard work. Errggg. Mostly been marketing them through my site called: http://www.TonOFeBooks.com .

Ooops, this post is a bit more than planned,
Well,
Keep your (:--) UP anyhow and God Bless ya!
Chad.

Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a uk police scanner livesite. It pretty much covers uk police scanner live related stuff.

Come and check it out if you get time :-)

Anonymous said...

Your is quite interesting - ways for kid to make money- Keep up the good work. My domain is ways for kid to make money. please check it out.

Anonymous said...

free hosting Web Hosting Ecommerce Your source for the latest in the free hosting industry, News, links and latest free hosting developments.

Steve Blampied said...

Great free cad software site.

Please take a look at my site about Free Software

Anonymous said...

free and easy internetjob for everybody in the world domainanbieter

Anonymous said...

Great Blog
For More Marketing Secrets

Advanced Business Marketing

Anonymous said...

Hey i got here searching for residual income affiliate program
Your sites not too bad!

You got good rankings for them keywords residual income affiliate program

I would personally like to ask you to join my site its a forum about making money online , affiliate programs etc... your a good writer , hope to see you there maybe you can learn too how to make extra cash.

Thanks
residual income affiliate program

Anonymous said...

I was looking for a blog about international joint venture and i stumbled on to your. My site is about international joint venture. You should check it out I am giving away free software right now.

Anonymous said...

Mighty Blogalicious, blog posting to you Kurt !
I'm always looking for more ebook with master resell right . Watch out for my BAD grammar! (:--)
Do you have any ebook with master resell right on your The Business Case for XSLT 2.0 blog?
Curious to how you've been using your's if you have any - ever sold any?
Here's what I did with mine: http://www.TonOFeBooks.com .
Have a kick butt day and don't let the bad bloggers get you down !

Anonymous said...

Hi Kurt,

Do you want to be VERY succesfull?

You will be dominating any market within days with our !

I only worked 1,5 months with this and it improved my Page rank, web site traffic and also enlargened my income by 2000%!

Try this, you will be happy you had a look!

Regards and lots of money!

http://www.superblogsubmitter.com

Isn't it time for you to get

Newest and most innovative

Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a advertising inc site. It pretty much covers advertising inc related stuff.

Come and check it out if you get time :-)

Anonymous said...

Hi Kurt, I was searching online for some free forex strategies related sites and a I came across your post. I normally don't take the time to look at blogs but today I made an exception. After searching for about an hour for free forex strategies it is nice to find a post that is helpful. Thanks.

Anonymous said...

Hi, just came across your colorado refinance mortgage loans blog. What a great site. I also have a site relating to the colorado refinance mortgage loans niche that I think your readers would be interested in. Would love you to stop by for your feedback

Anonymous said...

Hi Kurt, I was searching online for some forex trading ebooks related sites and a I came across your post. I normally don't take the time to look at blogs but today I made an exception. After searching for about an hour for forex trading ebooks it is nice to find a post that is helpful. Thanks.

Anonymous said...

"Hi there, I just came across your blog about ad free spy trial version ware and wanted to drop you a note telling you how impressed I was with the information you have posted here. I also have a web site related to ad free spy trial version ware so I know what I am talking about when I say your site is top-notch! Keep up the great work, you are providing a great resource on the Internet here!"

Anonymous said...

Hi Kurt, Today I took some time to look for free forex trading ebooks related pages. I have a site related to free forex trading ebooks and I sometimes search in the blogs, looking for new article ideas. Today it was a joy to come across a real interesting post that you made. Thanks for keeping it real.

Anonymous said...

Great Blog
For More Marketing Secrets

Advanced Business Marketing

Anonymous said...

Hi,
The Business Case for XSLT 2.0 was interesting. Someone told me about autosurf program blogs and I have been out there looking all nite. I'm glad I got the chance to check it out. I will be back. Well on with my autosurf program search. Have a nice day :-)

Anonymous said...

Hi Kurt, Today I took some time to look for free forex ebooks related pages. I have a site related to free forex ebooks and I sometimes search in the blogs, looking for new article ideas. Today it was a joy to come across a real interesting post that you made. Thanks for keeping it real.

WebsiteHosting1.com said...

**eLearning**

Anonymous said...

Would anyone like a vacation certificate for FREE hotel rooms ($400 value)? You can choose from twenty fantastic resort locations.

I am trying to find people interested in maybe improving their vitamin b. If you are interested in vitamin b Please visit my website.

I am personally giving away FREE vacation certificates to ALL new customers. There is a 60 day money back guarantee on my product if you don't like it, but the vacation certificate for FREE hotel rooms is yours to keep. A $400 value!

I look forward to hearing about your awesome vacation, not to mention the improvement with your vitamin b.

Anonymous said...

Hi Kurt. So many sites I visited today, while looking for forex ebooks pages to post to my blog, were full of garbage. It was nice to find something real at your site. Well, I better go look for some more forex ebooks pages for my own readers. Thanks.

Anonymous said...

good resource here. I would also link to auto loan calculator

Anonymous said...

Hi Kurt,
Looking for autosurf click program blogs when I came across yours. Glad I did get a chance to read it. The Business Case for XSLT 2.0 got me to thinking and came up with a new idea about autosurf click program. Again I'm glad to have stiopped by. Have a great day :-)

Anonymous said...

Hello Kurt, I've just been playing Serious Sam 2 before getting down to do some research into business free home mlm opportu; on the whole I'd rather continue playing. First place I came to was The Business Case for XSLT 2.0 so I've been having a goog time reading your blog. There are some ideas that I could maybe incorporate into business free home mlm opportu to make it more useful. Thank you!

x4 said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a medical software site/blog. It pretty much covers medical software related information.

Come and check it out if you get time :-)
medical software

Anonymous said...

Kurt -- Your " The Business Case for XSLT 2.0 " post is .... shall we say, Unique? I was out looking for details on Blog Submitter when I found your page, and became interested as I read your posts.

Anonymous said...

This is a great site, nintendo ds hardware

Anonymous said...

Hi Kurt, As you are probably aware, there are so many junk filled blogs. As I was searching for free forex strategies related information today, it was a nice break from the 'usual' to come across your blog. I am happy I searched for free forex strategies related ideas today. Thanks.

Anonymous said...

Think that will drive you some extra traffic?

Anonymous said...

If you are in business and are interested in small uk business web hosting and FREE advertising and marketing. Try this site, it costs nothing, but a little time

Anonymous said...

Hi Kurt. So many sites I visited today, while looking for free forex strategies pages to post to my blog, were full of garbage. It was nice to find something real at your site. Well, I better go look for some more free forex strategies pages for my own readers. Thanks.

Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!
I have a medtronic

medtronic
news
site/blog. It pretty much covers related stuff.
Come and check it out if you get time :-)

Anonymous said...

Hi Kurt, Today I took some time to look for forex trading ebooks related pages. I have a site related to forex trading ebooks and I sometimes search in the blogs, looking for new article ideas. Today it was a joy to come across a real interesting post that you made. Thanks for keeping it real.

Anonymous said...

For the best in download movie music software visit online stores for DVD Software Players that offer quality audio playback on the PC.

Anonymous said...

Hi Kurt. So many sites I visited today, while looking for forex trading ebooks pages to post to my blog, were full of garbage. It was nice to find something real at your site. Well, I better go look for some more forex trading ebooks pages for my own readers. Thanks.

Anonymous said...

Like this posting has some good information onaffiliate book program sport. Can't wait for the rest of the postings. I hope it contains more info on affiliate book program sport.

Anonymous said...

Nice Site. We have Free Houses on my site. Please take a look real estate lawyer

Anonymous said...

GROW IT YOURSELF!

Anonymous said...

Hi Kurt, Today I took some time to look for free forex strategy related pages. I have a site related to free forex strategy and I sometimes search in the blogs, looking for new article ideas. Today it was a joy to come across a real interesting post that you made. Thanks for keeping it real.

Anonymous said...

Imagine the power of tens of thousands of other web sites being able to easily

Anonymous said...

Hello,

Finally, I have come to the right place. This is an excellent Blog site, which covers the topic almost similar to my site
credit credit credit myaaacredit.com repair report report

It pretty much covers credit credit credit myaaacredit.com repair report report related that you and your members may find interested.

It would be appreciated if you kindly have a look at my site SoftwareFantasy.com and you are most welcome to send your comments at response@softwarefantasy.com

To all fellow Internet Mareketer, please have a look at my site SoftwareFantasy.Com

It is full of Fantasy Stuff you may want to have a try.

You can get all these software for FREE, please visit at SoftwareGoldClub.Com

To Your Success

Mark

Anonymous said...

HiKurt,I was online looking forsome info on home business idea and came across your site.Even though it wasn't an exact fit,it certainly peaked my interest! I understand how I ended up at your page when I was looking for ahome business idea related info.I'm glad I visited anyway.Nice post! Enjoy the read!

Anonymous said...

Hi Kurt,

I see you share my interest in software resell. Your input would mean a lot to me. If you would be so kind to visit my site and give me your feedback, I would most appreciate it.

Thanks,
Mike

Anonymous said...

HiKurt,I was online looking forsome info on home business idea and came across your site.Even though it wasn't an exact fit,it certainly peaked my interest! I understand how I ended up at your page when I was looking for ahome business idea related info.I'm glad I visited anyway.Nice post! Enjoy the read!

Anonymous said...

Just A Quick Hello From VooDoo Blogger :-)

Anonymous said...

HiKurt,I was online looking forsome info on home base business and came across your site.Even though it wasn't an exact fit,it certainly peaked my interest! I understand how I ended up at your page when I was looking for ahome base business related info.I'm glad I visited anyway.Nice post! Enjoy the read!

Anonymous said...

Want to register better domains with better keywords? Want to host the sites better as well? Check out domain name uk!

Anonymous said...

Just go to Your inbox and Look for your Newsletter publication from the 3 Marketeers Club!

Anonymous said...

Post your Ad to everyday after that, you'll also be able to generate a Viral Traffic Streams absolutely FREE!

Anonymous said...

HiKurt,I was online looking forsome info on internetbusiness and came across your site.Even though it wasn't an exact fit,it certainly peaked my interest! I understand how I ended up at your page when I was looking for ainternetbusiness related info.I'm glad I visited anyway.Nice post! Enjoy the read!

Anonymous said...

I have a pretty cool site about fresh prince of bel air episode guide

Anonymous said...

Hi Kurt, your blog is excellent. As I was surfing around today looking for detailed info on home based business I somehow ended up on your page. As your site is not exactly related to my search, I am certainly glad I stopped by. Oh well, back to surfing and I am sure I will find what I am looking for, and should you ever need information about home based business, then stop by for a look. Thanks for the post.

Anonymous said...

Hi thereKurt,I'm out looking for the most up to date information on home base business and came across your site.Even though The Business Case for XSLT 2.0 was close to what I was looking for and it wasn't a pefrect fit, it certainly was well worth reading.I understand how I came across your page while I was looking for home base business related information. Great post. Thanks!

Anonymous said...

Hi,
The Business Case for XSLT 2.0 was interesting. Someone told me about autosurf site blogs and I have been out there looking all nite. I'm glad I got the chance to check it out. I will be back. Well on with my autosurf site search. Have a nice day :-)

Anonymous said...

Excellent affiliate r related blog. I will add you to my bookmarks.

I have a affiliate r related site. It covers ##KEYWORD## and other related stuff.

Also have another cool site called HotLinZ

Drop by if you get time :-)

Anonymous said...

personalized gift idea A Name Brand Products at Wholesale Prices personalized gift idea

Anonymous said...

Hey, I thought I would check out your blog.

I have a internet web site hosting site/blog. It pretty much covers ##WEB HOSTING## related stuff.

Come and check it out if you get time.

Anonymous said...

Quite a few interesting comments on this blog but not much on internet marketing or promotion. Any thoughts? I know websites need traffic and getting it can be difficult. I also know that targeted adult hits information is necessary to succeed in any online business.

Have your fellow blogsters try The Online Promoters as they have helped me in the past. Thank you.

Anonymous said...

Unique businesses have special needs, custom business software provide the solutions.
custom business software

Anonymous said...

at the single click of your Mouse, Dont miss the chance at High Website Exposure

Anonymous said...

Hi Kurt, I found your blog informative. While out blog surfing today for specific info on work at home choices, I ended up on your page. Your site title of The Business Case for XSLT 2.0 shows that I ended up a little off base, but I am certainly glad I stopped by. I will bookmark your site for a future visit, and should you ever need it, there is plenty of information on this site about work at home choices.

Anonymous said...

adult personals
adult personals

Find a date at adult personals

Anonymous said...

Hi Kurt, you have a nice blog. Glad to see it. Today I was out blog surfing looking for detailed info on home base business when I found your page. Your site is not an exact match but it did catch my interest. I am going to add you to my favorite list of blogs for future reading and reference. Should you ever need
information on home base business then drop by the site above and check it out.

Anonymous said...

Hi thereKurt,I'm out looking for the most up to date information on internetbusiness and came across your site.Even though The Business Case for XSLT 2.0 was close to what I was looking for and it wasn't a pefrect fit, it certainly was well worth reading.I understand how I came across your page while I was looking for internetbusiness related information. Great post. Thanks!

Anonymous said...

Hey Kurt,
I've been out searching for autosurf click program blogs for hours and it was nice to have found yours. Just thought I would check out the post The Business Case for XSLT 2.0 and come up with ideas for autosurf click program. Have a nice day :-)

Anonymous said...

Hey Kurt

I ran acrossed your blog and The Business Case for XSLT 2.0 caught my eye. I thought I would stop and take a look.

Later,

check out best home based business idea

Anonymous said...

Hi there. Kinda busy, but looking for information on bonds. Nice blog, good info. Maybe visit my site if you're looking for bonds related material bonds. Thanks

Anonymous said...

You have a great website here, and I'm going to tell all my friends about it.

Anonymous said...

Check out Internet Marketing Christmas, this special ends on 12/21/2005

Anonymous said...

The ultimate internet marketing website is www.TheOnlinePromoters.com

Anonymous said...

Cool blog you have. I have a motorola minitor pager related site. Check it out if you get a chance. The URL is motorola minitor pager

Anonymous said...

The ultimate internet marketing website is www.TheOnlinePromoters.com

Anonymous said...

www.TheOnlinePromoters.com has everything a webmaster needs to succeed online

Anonymous said...

Hey Kurt

I ran acrossed your blog and The Business Case for XSLT 2.0 caught my eye. I thought I would stop and take a look.

Later,

best home based business help

Anonymous said...

Hi Kurt

When I saw The Business Case for XSLT 2.0 I had to read a little more.

Later,

best home based business idea help

Anonymous said...

How I made $77 million in 2-years--and you can too.

Anonymous said...

Your blog is perfect and nice, we are offering retrogade ejaculation to learn more visit retrogade ejaculation or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
retrogade ejaculation http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

ThankYou

From Hopi
http://ourbannerexchange.com
home based business
home based business

Anonymous said...

Your blog is perfect and nice, we are offering prevent premature ejaculation to learn more visit prevent premature ejaculation or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
prevent premature ejaculation http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Your blog is perfect and nice, we are offering stop premature ejaculation to learn more visit stop premature ejaculation or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
stop premature ejaculation http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Hi Kurt

When I saw The Business Case for XSLT 2.0 I had to read a little more.

Later,

best home based business help

Anonymous said...

Your blog is perfect and nice, we are offering premature ejaculation treatment to learn more visit premature ejaculation treatment or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
premature ejaculation treatment http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Hi Kurt

When I saw The Business Case for XSLT 2.0 I had to read a little more.

Later,

best home business help

Anonymous said...

Your blog is perfect and nice, we are offering sexual enhancement to learn more visit sexual enhancement or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
sexual enhancement http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Your blog is perfect and nice, we are offering sexual problem to learn more visit sexual problem or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
sexual problem http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Your blog is perfect and nice, we are offering retrogade ejaculation to learn more visit retrogade ejaculation or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
retrogade ejaculation http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Your blog is perfect and nice, we are offering premature ejaculation treatment to learn more visit premature ejaculation treatment or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
premature ejaculation treatment http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Your blog is perfect and nice, we are offering prevent premature ejaculation to learn more visit prevent premature ejaculation or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
prevent premature ejaculation http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Your blog is perfect and nice, we are offering premature ejaculation to learn more visit premature ejaculation or The Business Case for XSLT 2.0 http://www.manifestingpower.com/premature-ejaculation.html
premature ejaculation http://www.manifestingpower.com/premature-ejaculation.html

Anonymous said...

Hey I agree 100% agree with the last few comments. This blog has great opinions and this is why I continue to visit, thanks! ##link#

Anonymous said...

Hey I agree 100% agree with the last few comments. This blog has great opinions and this is why I continue to visit, thanks! ##link#

Anonymous said...

Hello Kurt, I’m just searching the web for the next big thing on business home mlm opportunity work and noticed your great site. Although this post wasn’t actually what I was looking for it DID get my attention and interest. I see now why I found your great
website when I was searching for business home mlm opportunity work related information and I’m thankful I found your blogsite even though its not an exact match. Excellent Post, thanks for the read (It’s a keeper).

Anonymous said...

Hello Kurt, I’m out surfing the web for the latest information on homebiz7.com and noticed your nice site. Although The Business Case for XSLT 2.0 wasn’t exactly what I was looking for it certainly got my attention. Now I see why I found your page when I was looking for homebiz7.com related information and I’m thrilled I found your web site even though its not a perfect match. Great Post, thanks for your informative site.

Anonymous said...

Hey ##NAME##, This is the first time I've seen your blog - pretty cool. I find this whole blogging thing pretty amazing. So many, and such good stuff. Mind you, technical info about digicams is my thing, which is why I was looking for ##LINK##, but it was good to see your blog. Keep blogging!

Anonymous said...

Hello Kurt, I’m out surfing the web for the latest information on marketing network and noticed your nice site. Although The Business Case for XSLT 2.0 wasn’t exactly what I was looking for it certainly got my attention. Now I see why I found your page when I was looking for marketing network related information and I’m thrilled I found your web site even though its not a perfect match. Great Post, thanks for your informative site.

Anonymous said...

Good day ##NAME##, Well I don't know what time it will be when you see this. Really interesting blog you've got there. Pretty cool stuff. Keep writing and keep it coming. Rex ##LINK##

Anonymous said...

Hello Kurt, I’m just searching the web for the next big thing on network marketing and noticed your great site. Although The Business Case for XSLT 2.0 wasn’t actually what I was looking for it DID get my attention and interest. I see now why I found your great
website when I was searching for network marketing related information and I’m thankful I found your blogsite even though its not an exact match. Excellent Post, thanks for the read (It’s a keeper).

Anonymous said...

Hi Kurt, I’m out searching the web for the latest and greatest information on work from homw and found your great site. Although this post wasn’t specifically what I was looking for it definitely got my interest and attention. I see now why I found your interesting blog when I was looking for work from homw related information and I’m grateful I found your site even though its not a perfect match. Great Post, thanks for your informative site

Anonymous said...

Keep up the good work with this blog!

Anonymous said...

Hello Kurt, I’m out surfing the web for the latest information on mlm lead and noticed your nice site. Although The Business Case for XSLT 2.0 wasn’t exactly what I was looking for it certainly got my attention. Now I see why I found your page when I was looking for mlm lead related information and I’m thrilled I found your web site even though its not a perfect match. Great Post, thanks for your informative site.

Anonymous said...

Need panda anti virus gratis software?

If your computer is running stupid panda anti virus gratis will help
Click here to download panda anti virus gratis now!

Anonymous said...

Hi,
I came past your site while I was searching through Blogger, it is not really the information I was after about automated home business but I did stay to read your blog and found it interesting and well done, I do like what you have done with your site. Keep up the good work and hopefully I will visit again sometime and also find the information on automated home business that I was looking for in my travels.
Regards,

Anonymous said...

Hey there, you've got a great blog here!
Did it take you long to set up?
It's taken me quite a few weeks,
The first two templates I didn't like
And now if someone has a long heading
It pushes the main articles way down the page.
It's kind of anoying when that happens.
I have a home business opportunity uk site.
It pretty much covers home business opportunity uk related stuff.
Come and check it out if you get time :-)

Anonymous said...

Hey there Kurt, I was looking for an educational blog experience on internet business income opportunity and I found your blog-site. The Business Case for XSLT 2.0 isn’t exactly what I was searching for but it did get my and interest. Now I know why I found your excellent blog-site when I was looking for internet business income opportunity related information and I’m glad I did even though its not an exact find. Great Informative Post, thanks for the read and educational experience.

Anonymous said...

Hi Kurt, I’m out searching the web for the latest and greatest information on marketing network opportunity and found your great site. Although The Business Case for XSLT 2.0 wasn’t specifically what I was looking for it definitely got my interest and attention. I see now why I found your interesting blog when I was looking for marketing network opportunity related information and I’m grateful I found your site even though its not a perfect match. Great Post, thanks for your informative site

Anonymous said...

Hello Kurt, I’m out surfing the web for the latest information on 5careers.com and noticed your nice site. Although The Business Case for XSLT 2.0 wasn’t exactly what I was looking for it certainly got my attention. Now I see why I found your page when I was looking for 5careers.com related information and I’m thrilled I found your web site even though its not a perfect match. Great Post, thanks for your informative site.

Anonymous said...

Hello Kurt, I’m just searching the web for the next big thing on internet home business idea and noticed your great site. Although The Business Case for XSLT 2.0 wasn’t actually what I was looking for it DID get my attention and interest. I see now why I found your great
website when I was searching for internet home business idea related information and I’m thankful I found your blogsite even though its not an exact match. Excellent Post, thanks for the read (It’s a keeper).

Anonymous said...

Hello there Kurt, I’m out surfing for a good blog
experience on free adware and found your great site.
Although this post wasn’t exactly what I’m looking for
it certainly got my attention and interest. I see now
why I found your excellent blog-site when I was
searching for free adware related web sites and I’m
glad I found your site even though its not an exact
match. I’ll leave you with a good quote from Walter F.
Mondale - "What do we want our kids to do? Sweep up
around Japanese computers? " -- Walter F. Mondale
Excellent Post, thank you for the read.

Anonymous said...

Hey there Kurt, I was looking for an educational blog experience on 28income.com and I found your blog-site. The Business Case for XSLT 2.0 isn’t exactly what I was searching for but it did get my and interest. Now I know why I found your excellent blog-site when I was looking for 28income.com related information and I’m glad I did even though its not an exact find. Great Informative Post, thanks for the read and educational experience.

Anonymous said...

Hi there Kurt, I’m out surfing for the latest information on 5careers.com and found your great site. Although The Business Case for XSLT 2.0 wasn’t exactly what I was looking for it certainly peaked my interest. Now I see why I found your page when I was looking for 5careers.com related information and I’m happy I found your wine blog even though this isn’t a perfect match. Great Post, thanks for the read,

Anonymous said...

Student Consolidation
Debt Consolidation Loan can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period

Student Consolidation
Debt Consolidation Loan can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period

Student Consolidation
Debt Consolidation Loan can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period

Anonymous said...

Hello there Kurt, I’m out surfing for a good blog experience on homebiz7.com and found your great site. Although The Business Case for XSLT 2.0 wasn’t exactly what I’m looking for it certainly got my attention and interest. I see now why I found your excellent blog-site when I was searching for homebiz7.com related web sites and I’m glad I found your site even though its not an exact match. Excellent Post, thank you for the read.

Anonymous said...

This is an excellent blog. Keep it going.You are providing
a great resource on the Internet here!
If you have a moment, please take a look at my afghan horsemen restaurant site.
Have a great week!

Anonymous said...

This is an excellent blog. Keep it going.You are providing
a great resource on the Internet here!
If you have a moment, please take a look at my afghan horsemen restaurant site.
Have a great week!

Anonymous said...

This is an excellent blog. Keep it going.You are providing
a great resource on the Internet here!
If you have a moment, please take a look at my afghan horsemen restaurant site.
Have a great week!

Anonymous said...

Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt1consolidation.com
Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt1consolidation.com

Anonymous said...

Debt1consolidation.com entails taking out one loan to pay off many others. This is often done to secure a lower interest rate secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house (in this case a mortgage is secured against the house.) The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.

Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest. In practice, many people are in credit card debt because they spend more than their income. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again.

Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending Certainly many, if not most, debt consolidation transactions do not involve predatory lending.

In the United States, federal student loans are consolidated somewhat differently, as federal student loans are guaranteed by the U.S. government. In a federal student loan consolidation, existing loans are purchased and closed by a loan consolidation company or by the Department of Education (depending on what type of federal student loan the borrower holds). Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.

Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans 9% for PLUS loans. The current consolidation program allows students to consolidate once with a private lender, and reconsolidate again only with the Department of Education. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.

Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.

Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus; SLM Corporation (formerly Sallie Mae) does not report to Experian or Transunion which means that students will have differing credit scores at Equifax Transunion, and Experian.

Credit as a financial term, used in such terms as credit card refers to the granting of a loan and the creation of debt. Any movement of financial capital is normally quite dependent on credit, which in turn is dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.

A similar usage is in commercial trade where credit is used to refer to the approval for delayed payments for goods purchased. Sometimes if a person has financial instability or difficulty, credit is not granted. Companies frequently offer credit to their customers as part of the terms of a purchase agreement. Organizations that offer credit to their customers frequently employ a credit manager

Credit is denominated by a unit of account Unlike money (by a strict definition), credit itself cannot act as a unit of account. However, many forms of credit can readily act as a medium of exchange As such, various forms of credit are frequently referred to as money and are included in estimates of the money supply

Credit is also traded in the market The purest form is the "Credit Default Swap" market, which is essentially a traded market in credit insurance. A credit default swap represents the price at which two counterparties will exchange this risk — the protection "seller" takes the risk of default of the credit in return for a payment, commonly denoted in basis points (one basis point being 1/100 of a percent) of the notional amount to be referenced, while the protection "buyer" pays this premium and in the case of default of the underlying (a loan, bond or other receivable), delivers this receivable to the protection seller and receives from the seller the par amount ( i.e., is made whole).

Credit Education is the practice of providing consumers with information analyzing their credit behavior. Credit education is usually practiced by trained professionals knowledgeable in the analytics of the credit score and how consumer credit behavior effects both positive and negative credit eligibility. Credit education is usually assisted by sophisticated credit scoring models that mathematically assists the consumer, or counselor, in determining a credit improvement outcome.

Credit Education has become an increasingly practiced discipline due to sweeping increases in the use of the credit score and its affect on the prices consumers pay for loans, insurance, housing and utilities. It is also the major factor in loan eligibility.

Not to be confused with credit counseling credit education does not focus on debt counseling, nor involves the practice of collecting debt from consumers. Credit counseling and credit repair have consistently received negative publicity for its fee and management practices.

The largest suppliers for credit education data are Fair Isaac Corporation, CreditXpert and the three credit bureaus ( Experian, TransUnion and Equifax who deliver credit reports and credit scores. Among the largest providers of credit education services is Community Empower who, through the use of its own scoring models and national network of credit education counselors, provides consumers hands-on guidance using highly-trained local professionals.

Credit education has also received attention as a new discipline at the Community College level where new courses on the subject are being taught. Usually aligned with Mortgage Finance programs that teach college undergraduates principles of lending and underwriting credit education and credit recovery programs are giving students more extensive backgrounds in credit early in their careers. Among the early college level adoptors of credit education is the Los Angeles Community College District and Los Angeles Trade Technical College.

FICO is an acronym for Fair Isaac Corporation (traded publicly under the symbol FIC) and refers to the best-known credit score model in the United States, which is calculated using mathematical formulae developed by this company. The FICO score is primarily used in the consumer banking and credit industry. Banks and other institutions that use scores as a factor in their lending decisions may deny credit, charge higher interest rates or require more extensive income and asset verification if the applicants credit score is low.

FICO scores are designed to indicate the likelihood of a borrower being delinquent within the next 24 months. No public information is available to determine what the scores mean in terms of statistics. A separate score, BNI, is used to indicate likelihood of bankruptcy.

The three major credit reporting agencies (also often, but inaccurately referred to as credit bureaus) in the United States, Equifax, Experianand TransUnion calculate their own credit scores, which go by different trademark names as well as many different versions of the score (often differing because of what they are meant to predict and when they were written): Beacon, Beacon 96, and Pinnacle are all available only from Equifax; Empirica, Empirica Auto 95, Precision Score, and Precision 03 at TransUnion; and Fair Isaac Risk Score at Experian. These versions, while all developed for the agencies by Fair Isaac, differ and are periodically updated to reflect current consumer repayment behavior. The NextGen Scores are the most recent scores, but creditors vary in which version they prefer to use.

The scores use a multiple scorecard design. Each version uses 10 or more individual scorecards, and an individual is typically compared with similar others. (For example, a borrower with two 30-day late payments will be scored against a population with some minor delinquencies.) An individual is then graded according to what variables seem to indicate a repayment risk in that group. This feature may cause a borrower with delinquencies to score in the same range as a borrower without delinquencies.

Nearly all large banks also build and use their own proprietary statistical models for credit scoring purposes, often in conjunction with the FICO score or other outside scores.

The statistical models that generate credit scores are subject to federal regulations. The Federal Reserve Board's Regulation B, which implements the Equal Credit Opportunity Act, expressly prohibits a credit scoring model from considering any prohibited basis such as race, color, religion, national origin, sex, or marital status. Regulation B also stipulates that credit scoring models must be empirically derived and statistically sound. Furthermore, if an adverse action is taken as a result of the credit score ( e.g. an individual's application for credit is denied) then specific reasons for the denial must be provided to the individual. A statement that the individual "failed to score high enough" is insufficient; the reasons must be specific.

There exist several generally accepted algorithms for extracting the primary contributing factors to a low credit score. One or more of these algorithms is typically used to supply a list of reasons when a loan applicant has been denied credit, in order to satisfy the Regulation B requirement that specific reasons are disclosed. Some consumers feel these adverse action reasons are somewhat disingenuous, as the only determining factor for credit denials is a numeric score — the "reasons" are summed up only for the consumer.

Each of the credit reporting agencies has developed its own version of the credit score intended to compete with Fair Isaac's score. Although not as widely used, these scores (for example Trans Union's "TransRisk" score or Experian's "ScoreX" and "PLUS" scores) are less expensive than the FICO score. These scores are often derisively referred to by consumers and lenders as "FAKO" scores, for they do not use official Fair Isaac methodologies. The cost savings of a non-FICO score are tempting to some banks and credit card companies, who need an accurate risk assessment on millions of accounts every year. For ease of use, these scores tend to be mathematically scaled so that they fall in the same general range as the FICO score. Fair Isaac offers scoring models for the U.S ., Canada, and South Africa. It also offers a "Global FICO" for many other countries.

Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulae for calculating credit scores are closely guarded secrets, Fair Isaac has disclosed the following components and the approximate weighted contribution of each:

35% punctuality of payment in the past (only includes payments later than 30 days past due)
30% capacity used: the ratio of current revolving debt (credit card balances, etc.) to total available revolving credit (credit limits)
15% length of credit history
10% types of credit used (installment revolving consumer finance
10% recent search for credit and/or amount of credit obtained recently
The above percentages provide very limited guidance in understanding a credit score. For example, the 10% of the score allocated to "types of credit used" is undefined, leaving consumers unaware what type of credit mix to pursue. "Length of credit history" is also a murky concept; it consists of multiple factors - two being the oldest account open and the average length of time an account has been open. Although only 35% is attributed to punctuality, if a consumer is substantially late on numerous accounts, his score will fall far more than 35%. Bankruptcies, foreclosures, and judgments affect scores substantially, but are not included in the simplistic pie chart provided by Fair Isaac.

Further, Fair Isaac does not use the same "scorecard" for everyone. The scorecards are segmented so that there are over 100 different actual scoring models that are applied to different individuals based on different ranges of input values (some scorecard segmentations include: age, depth of credit history, etc.) The implications of this segmentation are that while the approximate weighted contribution above may be an average across all scorecards, individuals will receive different scores or weightings based on the scorecard segmentation that they fall into. Some consumers have noticed their scores decreasing by small amounts for no apparent reason.

Current income and employment history do not influence the FICO score, but they are weighed when applying for credit. For instance, an unemployed individual with no other sources of income will not usually be approved for a home mortgage, regardless of his or her FICO score.

There are other special factors which can weigh on the FICO score.

Any monies owed because of a court judgment, tax lien, or similar carry an additional negative penalty, especially when recent.
Having above a certain number of consumer finance company credit accounts also carries a negative weight (critics say that this causes a vicious cycle, locking people into continuing to use consumer finance companies).
The number of recent credit checks also can weigh down the score, although the credit agencies claim to allow for credit checks made within a certain window of time to not aggregate, so as to allow the consumer to shop around for rates.

A FICO score generally ranges from 300 to 850. It exhibits a left-skewed distribution with a US median around 725. 660 is generally regarded as potentially subprime and represents an important break point for credit worthiness. The performance of the scores is monitored and the scores are periodically aligned so that a credit grantor normally does not need to be concerned about which score card was employed.

Each individual actually has three credit scores for any given scoring model because the three credit agencies hold their own, independent databases. These databases are independent of each other and may contain entirely different data. Many lenders will check an applicant's score from each bureau and use the median score to determine the applicant's credit worthiness.

A new Vantage score has been offered by all three credit bureaus to creditors since spring 2006. It will soon be available to debtors. Its range is from 501 to 990. It is graded A (901-990), B (801-900), C (701-800), D (601-700), and F (501-600). It remains to be seen whether the Vantage Score will replace the FICO score or even be accepted by many creditors.


Debt1consolidation.com entails taking out one loan to pay off many others. This is often done to secure a lower interest rate secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house (in this case a mortgage is secured against the house.) The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

Sometimes, debt consolidation companies can discount the amount of the loan. When the debtor is in danger of bankruptcy, the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully.

Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest. In practice, many people are in credit card debt because they spend more than their income. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again.

Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Sometimes these fees are near the state maximum for mortgage fees. In addition, some unscrupulous companies will knowingly wait until a client has backed themselves into a corner and must refinance in order to consolidate and pay off bills that they are behind on the payments. If the client does not refinance they may lose their house, so they are willing to pay any allowable fee to complete the debt consolidation. In some cases the situation is that the client does not have enough time to shop for another lender with lower fees and may not even be fully aware of them. This practice is known as predatory lending Certainly many, if not most, debt consolidation transactions do not involve predatory lending.

In the United States, federal student loans are consolidated somewhat differently, as federal student loans are guaranteed by the U.S. government. In a federal student loan consolidation, existing loans are purchased and closed by a loan consolidation company or by the Department of Education (depending on what type of federal student loan the borrower holds). Interest rates for the consolidation are based on that year's student loan rate, which is in turn based on the 91-day Treasury bill rate at the last auction in May of each calendar year.

Student loan rates can fluctuate from the current low of 4.70% to a maximum of 8.25% for federal Stafford loans 9% for PLUS loans. The current consolidation program allows students to consolidate once with a private lender, and reconsolidate again only with the Department of Education. Upon consolidation, a fixed interest rate is set based on the then-current interest rate. Reconsolidating does not change that rate. If the student combines loans of different types and rates into one new consolidation loan, a weighted average calculation will establish the appropriate rate based on the then-current interest rates of the different loans being consolidated together.

Federal student loan consolidation is often referred to as refinancing, which is incorrect because the loan rates are not changed, merely locked in. Unlike private sector debt consolidation, student loan consolidation does not incur any fees for the borrower; private companies make money on student loan consolidation by reaping subsidies from the federal government.

Student loan consolidation can be beneficial to students' credit rating, but it's important to note that not all federal student loan consolidation companies report their loans to all credit bureaus; SLM Corporation (formerly Sallie Mae) does not report to Experian or Transunion which means that students will have differing credit scores at Equifax Transunion, and Experian.

Credit as a financial term, used in such terms as credit card refers to the granting of a loan and the creation of debt. Any movement of financial capital is normally quite dependent on credit, which in turn is dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.

A similar usage is in commercial trade where credit is used to refer to the approval for delayed payments for goods purchased. Sometimes if a person has financial instability or difficulty, credit is not granted. Companies frequently offer credit to their customers as part of the terms of a purchase agreement. Organizations that offer credit to their customers frequently employ a credit manager

Credit is denominated by a unit of account Unlike money (by a strict definition), credit itself cannot act as a unit of account. However, many forms of credit can readily act as a medium of exchange As such, various forms of credit are frequently referred to as money and are included in estimates of the money supply

Credit is also traded in the market The purest form is the "Credit Default Swap" market, which is essentially a traded market in credit insurance. A credit default swap represents the price at which two counterparties will exchange this risk — the protection "seller" takes the risk of default of the credit in return for a payment, commonly denoted in basis points (one basis point being 1/100 of a percent) of the notional amount to be referenced, while the protection "buyer" pays this premium and in the case of default of the underlying (a loan, bond or other receivable), delivers this receivable to the protection seller and receives from the seller the par amount ( i.e., is made whole).

Credit Education is the practice of providing consumers with information analyzing their credit behavior. Credit education is usually practiced by trained professionals knowledgeable in the analytics of the credit score and how consumer credit behavior effects both positive and negative credit eligibility. Credit education is usually assisted by sophisticated credit scoring models that mathematically assists the consumer, or counselor, in determining a credit improvement outcome.

Credit Education has become an increasingly practiced discipline due to sweeping increases in the use of the credit score and its affect on the prices consumers pay for loans, insurance, housing and utilities. It is also the major factor in loan eligibility.

Not to be confused with credit counseling credit education does not focus on debt counseling, nor involves the practice of collecting debt from consumers. Credit counseling and credit repair have consistently received negative publicity for its fee and management practices.

The largest suppliers for credit education data are Fair Isaac Corporation, CreditXpert and the three credit bureaus ( Experian, TransUnion and Equifax who deliver credit reports and credit scores. Among the largest providers of credit education services is Community Empower who, through the use of its own scoring models and national network of credit education counselors, provides consumers hands-on guidance using highly-trained local professionals.

Credit education has also received attention as a new discipline at the Community College level where new courses on the subject are being taught. Usually aligned with Mortgage Finance programs that teach college undergraduates principles of lending and underwriting credit education and credit recovery programs are giving students more extensive backgrounds in credit early in their careers. Among the early college level adoptors of credit education is the Los Angeles Community College District and Los Angeles Trade Technical College.

FICO is an acronym for Fair Isaac Corporation (traded publicly under the symbol FIC) and refers to the best-known credit score model in the United States, which is calculated using mathematical formulae developed by this company. The FICO score is primarily used in the consumer banking and credit industry. Banks and other institutions that use scores as a factor in their lending decisions may deny credit, charge higher interest rates or require more extensive income and asset verification if the applicants credit score is low.

FICO scores are designed to indicate the likelihood of a borrower being delinquent within the next 24 months. No public information is available to determine what the scores mean in terms of statistics. A separate score, BNI, is used to indicate likelihood of bankruptcy.

The three major credit reporting agencies (also often, but inaccurately referred to as credit bureaus) in the United States, Equifax, Experianand TransUnion calculate their own credit scores, which go by different trademark names as well as many different versions of the score (often differing because of what they are meant to predict and when they were written): Beacon, Beacon 96, and Pinnacle are all available only from Equifax; Empirica, Empirica Auto 95, Precision Score, and Precision 03 at TransUnion; and Fair Isaac Risk Score at Experian. These versions, while all developed for the agencies by Fair Isaac, differ and are periodically updated to reflect current consumer repayment behavior. The NextGen Scores are the most recent scores, but creditors vary in which version they prefer to use.

The scores use a multiple scorecard design. Each version uses 10 or more individual scorecards, and an individual is typically compared with similar others. (For example, a borrower with two 30-day late payments will be scored against a population with some minor delinquencies.) An individual is then graded according to what variables seem to indicate a repayment risk in that group. This feature may cause a borrower with delinquencies to score in the same range as a borrower without delinquencies.

Nearly all large banks also build and use their own proprietary statistical models for credit scoring purposes, often in conjunction with the FICO score or other outside scores.

The statistical models that generate credit scores are subject to federal regulations. The Federal Reserve Board's Regulation B, which implements the Equal Credit Opportunity Act, expressly prohibits a credit scoring model from considering any prohibited basis such as race, color, religion, national origin, sex, or marital status. Regulation B also stipulates that credit scoring models must be empirically derived and statistically sound. Furthermore, if an adverse action is taken as a result of the credit score ( e.g. an individual's application for credit is denied) then specific reasons for the denial must be provided to the individual. A statement that the individual "failed to score high enough" is insufficient; the reasons must be specific.

There exist several generally accepted algorithms for extracting the primary contributing factors to a low credit score. One or more of these algorithms is typically used to supply a list of reasons when a loan applicant has been denied credit, in order to satisfy the Regulation B requirement that specific reasons are disclosed. Some consumers feel these adverse action reasons are somewhat disingenuous, as the only determining factor for credit denials is a numeric score — the "reasons" are summed up only for the consumer.

Each of the credit reporting agencies has developed its own version of the credit score intended to compete with Fair Isaac's score. Although not as widely used, these scores (for example Trans Union's "TransRisk" score or Experian's "ScoreX" and "PLUS" scores) are less expensive than the FICO score. These scores are often derisively referred to by consumers and lenders as "FAKO" scores, for they do not use official Fair Isaac methodologies. The cost savings of a non-FICO score are tempting to some banks and credit card companies, who need an accurate risk assessment on millions of accounts every year. For ease of use, these scores tend to be mathematically scaled so that they fall in the same general range as the FICO score. Fair Isaac offers scoring models for the U.S ., Canada, and South Africa. It also offers a "Global FICO" for many other countries.

Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulae for calculating credit scores are closely guarded secrets, Fair Isaac has disclosed the following components and the approximate weighted contribution of each:

35% punctuality of payment in the past (only includes payments later than 30 days past due)
30% capacity used: the ratio of current revolving debt (credit card balances, etc.) to total available revolving credit (credit limits)
15% length of credit history
10% types of credit used (installment revolving consumer finance
10% recent search for credit and/or amount of credit obtained recently
The above percentages provide very limited guidance in understanding a credit score. For example, the 10% of the score allocated to "types of credit used" is undefined, leaving consumers unaware what type of credit mix to pursue. "Length of credit history" is also a murky concept; it consists of multiple factors - two being the oldest account open and the average length of time an account has been open. Although only 35% is attributed to punctuality, if a consumer is substantially late on numerous accounts, his score will fall far more than 35%. Bankruptcies, foreclosures, and judgments affect scores substantially, but are not included in the simplistic pie chart provided by Fair Isaac.

Further, Fair Isaac does not use the same "scorecard" for everyone. The scorecards are segmented so that there are over 100 different actual scoring models that are applied to different individuals based on different ranges of input values (some scorecard segmentations include: age, depth of credit history, etc.) The implications of this segmentation are that while the approximate weighted contribution above may be an average across all scorecards, individuals will receive different scores or weightings based on the scorecard segmentation that they fall into. Some consumers have noticed their scores decreasing by small amounts for no apparent reason.

Current income and employment history do not influence the FICO score, but they are weighed when applying for credit. For instance, an unemployed individual with no other sources of income will not usually be approved for a home mortgage, regardless of his or her FICO score.

There are other special factors which can weigh on the FICO score.

Any monies owed because of a court judgment, tax lien, or similar carry an additional negative penalty, especially when recent.
Having above a certain number of consumer finance company credit accounts also carries a negative weight (critics say that this causes a vicious cycle, locking people into continuing to use consumer finance companies).
The number of recent credit checks also can weigh down the score, although the credit agencies claim to allow for credit checks made within a certain window of time to not aggregate, so as to allow the consumer to shop around for rates.

A FICO score generally ranges from 300 to 850. It exhibits a left-skewed distribution with a US median around 725. 660 is generally regarded as potentially subprime and represents an important break point for credit worthiness. The performance of the scores is monitored and the scores are periodically aligned so that a credit grantor normally does not need to be concerned about which score card was employed.

Each individual actually has three credit scores for any given scoring model because the three credit agencies hold their own, independent databases. These databases are independent of each other and may contain entirely different data. Many lenders will check an applicant's score from each bureau and use the median score to determine the applicant's credit worthiness.

A new Vantage score has been offered by all three credit bureaus to creditors since spring 2006. It will soon be available to debtors. Its range is from 501 to 990. It is graded A (901-990), B (801-900), C (701-800), D (601-700), and F (501-600). It remains to be seen whether the Vantage Score will replace the FICO score or even be accepted by many creditors.




Free Quote Apply Now Credit Card Debt Help

Anonymous said...

Hi there, does anyone know of any affiliate marketing associate program commission? related sites. Ive setup a few sites with a site called Dating Solutions, for my new venture in the affiliate marketing associate program commission industry. But im eager to get going on other projects. I also found http://dating-solutions.blogspot.com/ to be useful reading, which is how i found Dating Solutions in the first place. - Excellent find, already made some money with them! Thanks for reading, Rachel x

Anonymous said...

Hey you have a grea blog here I'm definitely going to bookmark you!
blog probably their then they would I have a web development site with a blog about development, web design, hosting and moreblog probably their then they would Come check it out if you get time!

Anonymous said...

WORRY NO MORE ABOUT bank repossession BECAUSE LINKREFERRAL IS HERE AND IT IS FREE!! CLEAR YOUR DEBTS AND BUILD UP SAVINGS AND IT DOESN'T COST A BEAN!!

Anonymous said...

Nice blog!! I'm into increase site surf traffic web and to drive traffic to my website I signed up free for this superb traffic gereating tool - I now have loads of hits to my websites and blogs. This can see your affiliate commission shoot through the roof - meaning lots of extra money coming in for you and your family. Sign up now - it's free.. Best of luck, cheers for now, dave.

Anonymous said...

.
.
.
.
.
.
Good blog - very interesting!! I liked it so much I'm going to share this hush hush advice with you. Ever wondered how your neighbours are driving around in their brand new BMW or Mercedes cars - with their kids dressed in all the latest named gear and foreign holidays aplenty?? Well they discovered the secret to the extra online income.

If you are looking for a free tool to attract loads of free links to your blog or website then congratulations I've got the solution for you - and it is FREE!!

My website specialises in adhd and the nature of self control and to drive traffic to my website I was searching around the internet for absolutely ages looking for SEO tools and ffa submission sites to fire my site up the Google search engine - unfortunately these doing work and in fact had the opposite affect plunging my site down the rankings like it had a heavy weight attached!!, then I signed up for this free superb traffic generating tool - I now have loads of hits to my websites/blogs and my site is shooting back up the Google rankings quicker than ever before.

Consequently this saw my affiliate commissions shoot through the roof - meaning lots of extra money coming in for my family - I bought my first Mercedes car on the proceeds of my online campaign.
Sign up now - it's free.
. Sorry if this information is of no use to you but seeing as you have the anonymous feature enabled I thought I should share this free bit of essential promotional advice with you and would hope you would do the same for me and others who want to boost their online internet income.

I hope the tool will serve you equally as well as it has me - it's free!!

Best of luck, cheers for now, dave.
.
.
.
.
.
.

Anonymous said...

I have a real estate business site/blog. It pretty much covers ##KEYWORD## related stuff.

Come and check it out if you get time :-)
real estate businessreal estate business

Anonymous said...

Hi

Sorry to intrude but I saw your blog, noticed you have anonymous posting enabled and thought you might be interested in this great search engine optimization tool for your blog and website (if you have one) that a techi mate recommended to me. Apparently it's all the rage in the IT arena.

I am involved in ecommerce consulting and I've found the best way of promoting my blogs and websites is The amazing link referral program. Don't worry it is absolutely free to join and you can generate visitors to your site by visiting others. It is really quick and easy to set up and the traffic you generate will help your website increase in google ranking. Give it a go now!!

I have generated amazing traffic from this program - increasing my affiliate sales and cannot recommend this enough. Believe me, if you have tried all the other programs on the market that you have had to pay for then you realise this one is the best - and it's free!!!

Best of luck with the blog!! I hope you get as much out of this program as I have ;-)

Anonymous said...

.









RE: business estate real



Thanks for recommending the free Link Referral Program for search engine optimization (seo) - I've signed up and am considering upgrading to the affiliate program - looks like a winner to me!!








.

Anonymous said...

;-)





Hi Blog mate!!

I hope you don't mind me blogging anonymously like this. I thought the blog was really cool. I am also into casino guide online.

I found another interesting website blog at http://gamblingwebsites.blogspot.com. I am constantly looking for ways of making extra money online and think that online gambling could be a way of doing that.

Cheers for now and keep up the good work!

Try linkreferral.com - free website traffic generating and promotion program

Anonymous said...

heating home massachusetts

Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a new home based business opportunity site/blog. It pretty much covers ##KEYWORD## related stuff.

Come and check it out if you get time :-)

Anonymous said...

Risk Free Program. No Selling Or Inventory. Call 1-800-719-8268 Ext.B0116

Anonymous said...

Blog about home for sale san angelo texas

Hi

Enjoyed the blog - nice to see someone else has activated their anonymous feature ;-)

I'm interested in investing in the real estate market in the US and am looking for some really cheap repossession properties in Miami, Florida, California, New York, Washington, Dallas, Texas, Chicago and Los Angeles. I've found a couple of really good sites - Bargain network which has some really cheap homes and Texas Ranches for sale - ranches in Texas plus both sites have beachfront villas and cars that have been repossessed and are really cheap!! Just wondering if there are any more sites like this.

Thanks for this.

John

Anonymous said...

Business Opportunities

Anonymous said...

it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future









it has become very easy to borrow loans these days. Advancements in technology particularly with the Internet have made it convenient for loan seekers to track the loan of their choice. With just a few clicks on a lender's website you can access the desired loan online. The ease with which loans are available online nowadays is the main reason behind the growing number of debt-related problems.

The vast number of loans taken on different occasions may have benefited you many times and may have even been a lifesaver in an urgent situation. However, you may not have known that these loans can pose a threat to you. Now you have to remember which lender to pay, how much and when. Failing to pay any of the installments on the loan may affect your credit score adversely. In such circumstances, debts become a burden. You may get into a life-long debt trap if you don't know how to handle these debts. A debt management program in such conditions can work as an effective debt management tool helping you in reducing the debt burden.

Here are a few debt management tips that can help you in managing your debts and getting your life back on the right track:

Create A Budget
An organized and well-planned budget can help you in keeping control over your monthly expenses. Write down each and every financial transaction you do each month; this will help you stay on track. It will give you a real idea of your finances and thus you can make the decision accordingly. A budget will give you an overview about how many funds you do have and how you are going to disburse the expenses with the available money. Setting up the budget is not enough: what is important is to stick to it.

Consolidate High Interest Loans
Consolidate your debts that carry a high rate of interest with a debt consolidation loan. A debt consolidation loan can work as an effective debt management tool. It will help you in getting rid of the debt burden by reducing the monthly outgoings. With a debt consolidation loan, you will get freedom from all the hassles involved in dealing with several creditors, you will be accountable to only one loan, one lender and one lower monthly installment.

Avoid taking on new credit
If you are already in a debt trap, avoid taking up a new loan. Borrowing a new loan may be of great help to you, but it will be in the short term. It may increase the debt burden and will add to your troubles rather then solving them.

Debt Management Counseling
You can also seek for advice from debt management counselors. The majority of the lenders in the US engage debt management counselors who have years of experience and can provide you with an easy road map to get rid of the debt trap by paying off the existing debts.

Learn To Save
A need for a loan arises when you do not have sufficient funds in your saving account to meet your personal desires. Make saving a habit, try not to overspend on unnecessary things. No, don't become a miser but use the funds carefully, a little sum of money saved today will be highly beneficial for you in the future and will make it easy for you to deal emergency cash need with the available funds on the right time and in the right manner.

Debt management is a time-consuming process. You can save your time and hard-earned money by employing a debt management company who will take care of your debt and can offer effective solutions to all your debt-related problems.

Tips for managing debts employed in the right manner can curb the menace created by debts, helping you get out of debt in an easier way. Paying off the existing debts will help you in securing a smoother and easier life for the future

Unknown said...

Wow, very informative info u posted! congrats!
sportsbook
http://www.enterbet.com

Magazine Ecommerce said...

Neither XQuery nor XSLT2 are supported in the next version of Microsoft's core XML libraries for the simple reason that the Recommendations will not be final in time.

Anonymous said...

Often we forget the little guy, the SMB, in our discussions of the comings and goings of the Internet marketing industry. Sure there are times like this when a report surfaces talking about their issues and concerns but, for the most part, we like to talk about big brands and how they do the Internet marketing thing well or not so well.


www.onlineuniversalwork.com

Anonymous said...

The article of this blog very informative and useful also.It resolves many problems of mine.I loved it.thanks for this marvelous article...................

online jobs

Anonymous said...

Affiliate Marketing is a performance based sales technique used by companies to expand their reach into the internet at low costs. This commission based program allows affiliate marketers to place ads on their websites or other advertising efforts such as email distribution in exchange for payment of a small commission when a sale results.
www.onlineuniversalwork.com

Anonymous said...

How To Make money with affiliate programs Today. Affiliate marketing is the easier and probably the most effective method to make money from the internet. It is basically, a kind of selling technique where potential buyers from your website are directed to the websites of sellers. For every click, the website owner gets a small commission.
www.onlineuniversalwork.com