this won't be a problem. Paying off your balance each month shows that you're capable of paying bills, something creditors and lenders want to see. Since a large part of your credit score includes timeliness of your payments, paying your balances on time improves your credit. 5. Carry a balance the right way Having a credit card balance isn't bad as long as you do it the right way. Make more than the minimum payment each month to pay off your balance as quickly as possible. Avoid making late credit card payments and continue to keep your balance at a reasonable level.

If you follow these principles, carrying a balance won't hurt your credit. If you desire to see the whole article or review the underlined word links please see the following web address: http://credit.about.com/od/buildingcredit/tp/building-good-credit.htm By LaToya Irby, About.com Guide

Diabetes is metabolism disorder known as Diabetes Mellitus. The food we consume during mealtimes or snacks are broken down to be used for the function of our bodies. The body produces a hormone known as insulin that is produced from the pancreas. Insulin is used to convert sugar to energy. When the sugar is not broken down and converted into energy, diabetes can occur.

There are two types of diabetes, type 1 and type 2. Type 2 diabetics usually have too much sugar in their blood which is also known as Hyperglycemia. Too much sugar in the blood can damage the kidneys, eyes, heart, nerves and brain. Type 2 diabetics feel tired, fatigue, excess thirst, dry mouth, excess urination, little or increase appetite, unexplained weight gain.

As a Type 2 diabetic, I can tell you that it is not easy. I was diagnosed in 2005 at the age of 25. Upon hearing my diagnosis, I was in denial. I ignored my symptoms and pretended they did not exist. I would lie to my family when I was asked about my health, just to make them satisfied. I ate everything that I desired and did not think about the consequences of my actions. I did not realize that I was slowly but surely harming my body. I was upset and wondered: "Why me?"

“What did I do to deserve such a horrible disease?” I realize that it was many factors. First, diabetes runs in my family. The second factor was my weight. Lastly, my lifestyle also helped to contribute to diabetes. I believe it was a warning in my life that I must make a change.

My change began when I became pregnant with my daughter. I was so high risk that I went in for a doctor's appointment every week. My doctor was patient with me but showed me the importance of staying healthy and on top of my glucose (sugar) levels. I realize that I had to do this for my unborn child.

appointment every week. My doctor was patient with me but showed me the importance of staying healthy and on top of my glucose (sugar) levels. I realize that I had to do this for my unborn child.

I stuck to my diet and took my medicine. My daughter was born healthy and perfect. I figured that if I use that small amount of effort to take care of myself, I can make a difference in my health. I had to make changes to make sure that I am around to watch my daughter grow up. I believe that people and situations are placed in your life for you to find that motivation to keep moving forward. Leila was mine.

motivation to keep moving forward. Leila was mine.

A change in life begins with change of mind. I was so scared of the consequences of not taking care of myself. I did not want to face kidney failure, heart attack, stroke, limbs amputation, nerve damage, blindness and death. Seeing my daughter smile and holding her little hand is all the motivation I need to keep moving forward.

Medical News today www.medicalnewstoday.com

American Diabetes Association www.diabetes.org

Tips to help build effective study habits

For some of us the winter season can shape or mold our mentality and emotions. The dismal outlook upon the weather can transfer upon one's productivity and attention span while in class. Moreover, the productivity or lack thereof transfers to one's academic performance.

Sometimes dismal weather can cause students to get into a sad or negative mindset. This is not the time to give in to your feelings or emotions. Instead it's the time to kick our brains and attitudes into full gear and prepare to work to receive the best grades you can achieve.

While working with admissions counselors at various institutions across Kentucky, I understand the importance of students performing at their optimal level throughout high school. Most colleges require certain grade point averages and ACT scores in order for a student to be admitted into their institution. Students who do not meet these requirements may be put on the waiting list, asked to submit additional information such as letters of recommendation and/or personal statement, or denied altogether. To prevent this from occurring, it is important that each UB student get rid of stinky thinking and work hard each semester to achieve good grades. It is also important for each UB student to begin to study and prepare for the ACT test. The average score in the state of Kentucky and the United States is 20-21. Students must prepare to achieve a score in this range and/or higher. Do not forget to take advantage of your ACT prep accounts to practice and improve your score. If you need your password, call the office 502-597-5525.

To prevent this from occurring, it is important that each UB student get rid of stinky thinking and work hard each semester to achieve good grades. It is also important for each UB student to begin to study and prepare for the ACT test. The average score in the state of Kentucky and the United States is 20-21. Students must prepare to achieve a score in this range and/or higher. Do not forget to take advantage of your ACT prep accounts to practice and improve your score. If you need your password, call the office 502-597-5525.

Remember, developing a positive outlook upon academics, can increase one's fortitude. Fortitude is defined as "strength of mind that enables a person to encounter danger or bear pain of adversity with courage." During dismal and difficult times, it is important to dig your heels in and develop fortitude. Fortitude will help to carry you forth when all else seems bleak.

During this semester, get rid of stinky thinking and develop an attitude of fortitude!