5 Factors That Impact Your Credit Score

7:06 PM
Your CTOS score reflects your creditworthiness, based on various factors including payment history, amounts owed, credit history length, credit mix, and new credit. Each factor has a different weight on your score:Payment History (45%): This is the core of your score, indicating your...
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How quickly your CTOS score will change?

7:11 AM
 Your credit score will drop immediately when you miss a payment. To bring the score back up, it will take a minimum of 3 months of consistent payment behavior to see some improvement. Payment history is the most important factor in credit scoring,...
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Penting nya cara berfikir kedepan

2:39 AM
 Apa yang kita belajar dari gambar ni ?1. Kerja keras sekeras keras nya untuk capai tujuan (free marketing)2. ⁠Perlukan sedikit modal/duit untuk beli sayur , habis sayur beli lagi dan sampai la tujuan. (paid marketing/iklan berbayar) ...
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Ibu abuse anak sendiri

8:40 PM
 Tahu tak? Kenapa seorang ibu selalu atau mudah jadi abuser pada anak-anak dia? One of the reason yang I boleh fikirkan sekarang sebab hampir most of time, hanya si ibu yang ada bersama dengan anak-anak dia. Baik daripada buka mata sehinggalah waktu tidur...
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Did You Know? - Googly eyes

2:34 AM
 Did You Know?Legend says the name "googly eyes" comes from the 20th-century comic strip character Barney Google. He was drawn with characteristically exaggerated eyes, which inspired the 1923 hit song "Barney Google (with the Goo-Goo-Googly Eyes)."Credit to: Michael Stelzner ...
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Pertama Kali Bawa Bayi Bercuti?

2:50 AM
 Jika anda suka bercuti, jangan biarkan bayi anda menghalang anda! Malahan, bercuti dengan bayi anda boleh menjadi pengalaman yang seronok dan berharga. Ia merupakan peluang yang terbaik untuk mengukuhkan ikatan bersama bayi anda. Apa yang perlu anda buat adalah memastikan yang anda sudah...
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How to Create Better AI-Generated Content: Persona Engineering

2:29 AM
 Does your AI-generated content hit the mark, or is it too vague? Does it lack nuance?When you use a prompt, AI-generated content may still be influenced by default settings or previous conversations. Persona engineering allows you to program an AI to act in...
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7 Kunci Kejayaan

5:51 AM
 *TUJUH KUNCI KEJAYAAN TERUS BELAJAR FAHAM INSYAALLAH*1. Biar anda buat LAMBAT, namun *JANGAN* sesekali *STOP !!*2. Biar lah orang nak pandang *NEGATIF*, namun kita JANGAN sesekali *GIVEUP !!*3. Orang kata *NO*,  kita kata jer *NEXT !!*4. Sentiasa *CARI MASA, RUANG & PELUANG* yang...
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Did You Know? - Attack of a mantis shrimp

2:25 AM
 Did You Know?The attack of a mantis shrimp is one of the fastest and most powerful in the animal kingdom. Its attack speed is 23 meters per second, which means it boasts a 51-mile-per-hour punch! Plus, it’s pretty to look at.Credit to: Michael Stelzner...
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Feeling lost

2:05 AM
 Assalammualaikum wbt,Hi .. Lately ni aku banyak rasa lost dengan diri sendiri, bernafas tapi kadang macam tak hidup, senyum dan makan tapi kadang rasa macam tak betul rasa diri tu sendiri. Tak tahu apa sebenarnya yang aku nak. Haihhh.. Tapi alhamdulilah, masih lagi...
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Non stop nangis - Bilalah nak czer?

11:53 AM
 Tiber malam-malam gini teringat kat member katil sebelah yang tiap kali waktu melawat mesti dia nangis sedih husband dia datang. Ngadu sakit contraction kuat...Sampai minta Dr. buat czer je sebab dah lama sangat stay kat hospital and masuk induce pun dah 2x kot...
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