Yt is on video: Waching daily Jan 31 2019

On our previous video, we provided an introduction on the credit score,

its components and where it was obtained.

Credit Scores are derived from the Credit Report provided by the credit bureau

or special accessing entities like CIBI.

You may now be thinking what a Credit Report is and why you should know

what it contains.

If Juan Dela Cruz used his credit card or acquired a credit transaction

from a financial institution, his record is called a Credit History.

And if Juan's Credit History was reported by several other sources,

this will be compiled and recorded as a Credit Report.

In the Philippines, Credit Information Corporation is the central repository

and the regulating body for all credit information complied and reported

by the submitting entities.

Special Accessing Entities like CIBI, on the other hand were given

a special function to structure, analyze and process information in order to

derive effective tools and provide value added services.

That can help the financial growth of every Juan Dela Cruz, small to large

businesses and even the economy of the country, in general.

This is a steps toward the development of a sustainable credit information

exchange in the country and anchored to the national advocacy

called Financial Inclusion.

The concept of Financial Inclusion is to provide easy access

to basic financial services. That can make a positive difference

in the lives of every Juan particularly those on the low income segments.

And those who live in towns or cities that has no present formal financial institution.

We will discuss more about financial inclusion on our next video.

Credit Report mainly contains your identifiable information,

Credit Information for each account you hold, and inquiries

from institutions who has requested a copy of your Credit Record.

Do you want to have a copy of your Credit Report?

Have it by following these three simple steps.

One, update your Credit Record with your submitting entity.

Two, ensure that your submitting entity is complied to the CIC.

And three, get your Credit Report from us.

Visit our website for more information.

For more infomation >> What is a Credit Report? A Credit Education for Filipinos by CIBI Information Inc. - Duration: 2:10.

-------------------------------------------

US NEWS | US shivers as extreme cold invades, but is this climate change? - Duration: 5:29.

US NEWS | US shivers as extreme cold invades, but is this climate change?

Experts say it could be, but whether plays a role in this particular extreme weather phenomenon is still up for debate. Heres why:

What is a polar vortex?

"It is a mass of very cold air that typically sits right on the North Pole and tends to be restricted to the North Pole by the jet stream," explained Ben Kirtman, professor of atmospheric sciences at the University of Miami Rosenstiel School of Marine and Atmospheric Science.

Normally, the jet streamówhich is a strong a current in the atmosphereówould keep this cold air in the Arctic, but when the jet stream wavers, or weakens, the chill can spill.

"Occasionally we get meandering of the polar vortex and that is what is happening right now. And if you get a real big one you can have a big blob of cold air penetrate very far south," Kirtman told AFP.

According to the Weather Channel, this weeks freeze "may be the coldest in more than 20 years in parts of the Midwest and will smash dozens of daily record lows in some areas."

NASAs Earth Observatory said that steady northwest winds "were likely to add to the misery, causing dangerous wind chills below 40 Fahrenheit 40 Celsius in portions of 12 states."

The National Weather Service warned that a wind chill of 20 F can cause frostbite in as little as 30 minutes.

Why is this cold spell so strong and so vast?

"It is not out of bounds with the historical record. They happen. You get storms that are bigger than other storms. There is a big part of this that is part of the natural variability of the climate," said Kirtman.

The protective band in the atmosphere that typically keeps polar air in the north can and does waver. That, too, is not unexpected.

"There are always undulations in the jet stream," said Kirtman.

The strength of the jet stream is linked to the temperature contrast between the hot tropics and the frigid poles.

The starker this contrast, the stronger the jet stream, and in theory, the more likely that the polar air will stay in the Arctic.

However, sometimes a jet stream that is too strong can also become unstable, "and these instabilities cause a certain amount of waviness in the jet so you can get these meanders," said Kirtman.

Some evidence also suggests that when the poles heat up, there is less contrast between the tropics and the poles, and that, too, can make the jet stream become wavier, allowing to spill down from the north.

The Arctic is well known to be heating at twice the rate of the rest of the planet.

Can this type of extreme weather be blamed on climate change?

"What people are starting to ask is, if you weaken the jet stream, does that mean we are going to have more, stronger excursions of the polar vortex? If that turns out to be true, we can link more extreme cold spells to climate change," Kirtman added.

Researchers are examining data in the quest to find out.

"There are some hints that it is linked to change, but I would emphasize that the jury is still out," he said.

Scientists are getting better at deciphering the role of in certain weather extremes. So far, the signals are clearest in events like rainfall, drought, heatwaves and wildfires.

But when it comes to cold snaps, the answers are not as clear.

We sent you a confirmation email with a link to activate your subscription

A record breaking cold wave is sending literal shivers down the spines of millions of Americans. Temperatures across the upper Midwest are forecast to fall an astonishing 50 degrees Fahrenheit 28 degrees Celsius below normal ...

Tens of millions of people in the United States are bracing for a potentially life threatening deep arctic chill forecast to hit swaths of the country on Wednesday.

It might seem counterintuitive, but the dreaded polar vortex is bringing its icy grip to parts of the U.S. thanks to a sudden blast of warm air in the Arctic.

An arctic wave has wrapped parts of the Midwest in numbing cold, sending temperatures plunging and prompting officials to close schools in several states on Friday, but forecasters say the worst may be yet to come.

When the strong winds that circle the Arctic slacken, cold polar air can escape and cause extreme winter chills in parts of the Northern hemisphere. A new study finds that these weak states have become more persistent over ...

Anchorage, Alaska, was warmer Tuesday than Jacksonville, Florida. The weather in the U.S. is that upside down.

Male cichlid fish sometimes fertilize eggs in nests belonging to one of their male relatives, a behaviour that is counter intuitive yet ultimately beneficial, according to a study published in BMC Biology.

Lager beer is cold, crisp, dryóand worth about half a trillion dollars worldwide.

A team of researchers at Karlsruhe Institute of Technology KIT and Heidelberg University have recently introduced functional 3 D hetero microstructures based on Poly N isopropylacrylamide pNIPAM a polymer that responds ...

The combination of ocean warming and an infectious wasting disease has devastated populations of large sunflower sea stars once abundant along the West Coast of North America in just a few years, according to research co led ...

Oxford University scientists have played a key role in new research identifying the earliest evidence of some of the first known humansóDenisovans and Neanderthals, in Southern Siberia.

An analysis of satellite data has revealed global patterns of extreme rainfall, which could lead to better forecasts and more accurate climate models.

The field of climate science seems to contain many examples of alarming runaway feedback loops, vicious cycles, and previously unimagined detrimental synergistic effects arising within Earth systemsófor example, the albedo ...

Adjust slider to filter visible comments by rank

Display comments:

Enter your Science X account credentials

Phys.org 2003 2019,

Yt is on video

Thứ Năm, 31 tháng 1, 2019

Waching daily Jan 31 2019

Không có nhận xét nào:

Đăng nhận xét