The current global financial crisis has caused people to pay greater attention to their credit rating.  When credit was freely available, some people became careless about how they used it. They didn’t bother to save for what they wanted; they just borrowed with some saddling themselves up to their ears with debt. To them, being in debt was no big deal.

However, in a crisis, that is no longer the case. Having good credit is suddenly very important.

After reading an advertisement for a credit rating service, a close friend of mine who’s a banker remarked: “Credit rating is not something you can buy; its something you have to work for.”

The same principle applies to our credibility.  

 

Jason Ray was a ray of hope and joy on the University of North Carolina campus.  He performed the role of Rameses (the University mascot) for 3 years, hauling his giant ram’s head costume to sporting events one day and to children’s hospitals the next. He was an Eagle Scout, Honor Student, Black Belt in Karate, Lead Singer in a Rock Band and life held much promise for this energetic and compassionate boy.

A 35-metre pine rests at a sick angle on the roof of a Washington DC home on the city's edge. The tree snapped like a toothpick midway through the storm, tearing down the electrical lines and leaving this household dark – and along with an estimated 200,000 people, reliant on battery and candle power.