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MakingYourselfaGoodRecord

IfyouareanAmericanandyouthinkyoumightneedtoborrowmoneysomeday,thebestthingtodoisstartearly.

That’sbecausejustatmanyemployerswanttohireonlypeoplewithexperience,banksandothercreditorsareusuallyreluctanttolendtothosewithoutaproventrackrecord1payingback,ontime,themoneytheyhaveborrowed.

Butifyouneedexperiencejusttogetastart,howdoyougetthatstatinthefirstplace?

Withalittlehelpfromyourparentsusually,whileyouarestillfinanciallydependentonthem.Itiseasytogetacreditcardorstudentloanwhenyouareincollege,becausebanksfigureyourparentswillbailyououtifyoufailtopay.

Sojustasstudentstakeoninternshipstobuilduptheirresumes,one’suniversitytimecanbeagoodtimetoworkonanotherimportantpersonalrecord:

thecredit 

report.

Creditreportsareasummaryofone’spersonalcredithistory,gatheredbyacreditreportingagency,orCRA.

Banksandcompanies—includinghospitals,landlordsandinsurancecompanies—regularlyreporttothethreemainCRAsintheUSonhowtheircustomersaredoingatpayingbackthemoneytheyowe.

Anyonewitha“legitimatebusinessneed”hastherighttoorderindividuals’reportsfromtheCRAs.Potentialcreditorsusuallycompiletheinformationinthereportsintoacredit“score”,rankingthelevelofcreditworthiness.Lackofexperienceinborrowinginadditiontoabadrecordofdoingso,canresultinalowscore2.

Evenifyouarenotconsideringtakingoutaloanforsuchalargepurchaseasahomeorcar,yourcreditreportcanbeimportanttogettingthroughlife.Landlordsoftenaskforthereportstojudgewhetherapersoncanbetrustedtopaytherent.Creditchecksarenecessaryforgettingacreditcard,evenforpurchasingamobilephonecallingplan.

Peoplecanobtainacopyoftheirowncreditreport,usuallyatacostofaroundUS$8-9.Someconsumerorganizationsrecommenddoingthisonceayeartoallowonetocatchanymistakesthathaveslippedintotherecordor,evenworse,tofindoutwhetheranyfraudhastakenplace.Thoughthesystemiscontrolledbylawsmeanttoprotectpeople’sprivacy,itisn’tfool-proof:

Sometimespeopletakeoutbadloansinothers’names,ruiningtheirrecords.

Inasocietyaddictedtocredit,thatcanbeadisaster.

PrettyGood

WhenSpanishfootballclubBarcelonapaidUS$35millionforRonaldinholastsummer,theyweren’tbuyingaprettyface.“Iamugly,”admitstheBraziliansuperstar.“Buteveryonehasgotadifferentkindofbeauty.WhatIdohaveischarm.”

Indeedhehas.Hisbuckteeth1,flowinghair2,bigsmile,andofcoursehisamazingskillsarealwayseye-catching3onthepitch.The23-year-oldstrikerscoredtwogoalsina3-2winoverDeportivoLaCorunaonMarch1.ItwasBarcelona’ssixthwininarowand,thankstotheirBrazilian’s10-goalcontribution,whatlookedlikeapoorseasoncouldnowendasuccess.

Ronaldinho—fullnameRonaldoDeAssisMoreira—isoneofmanySouthAmericanswholearnedtheirskillsplayinginthebackstreetsbeforeshowingthemoff4ontheworldstage.

GreatthingswereexpectedwhenGremiosignedhimasaseven-year-old5,andhesoonbecamefriendswithRonaldo,whowasthentheotheryoungstarofBrazilianfootball.ItwasRonaldowhofirstcalledhimRonaldinho,whichmeansLittleRonaldo,andthenamestuck6.

Hefirstplayedforhiscountryin1999butitwasatthe2002WorldCupwhereheshowedhisrealworth,scoringanunbelievablefree-kickinBrazil’squarter-finalvictoryoverEngland.

“Ihaveneverfailedtodeliverinbigmatches,”Ronaldinhosays.“Mygameisbasedonimprovisation.Oftenaforwarddoesnothavethetimetodecidewhethertoshootorpass.Itisinstinctthatgivesouttheorders.”

WhilehemaynothaveDavidBeckham’sgoodlooks,Ronaldinhohasaplayboy 

reputationoffthepitch.AtformerclubParisSaintGermain,whichsoldhimtoBarcelona,hebrokeclubrulesbygoingoutandenjoyingthecity’snightlife.7

“Withoutdoubt,RonaldinhoisthemostdifficultplayerIhaveevercomeacross,”saysformerPSGcoachLuisFerdandez.“Themainproblemforanycoachisthatoneplayerwithoutdisciplinecanhurtthewholeteam.”

ButRonaldinhodoesn’tthinkhehasdoneanythingwrong.“Iamjustayoungpersonwhoenjoyslife,”hesays.

WhereHaveAllOurVisitorsGone?

Sixtyyearsago,amannamedKennethArnoldsawsomethingthatpeoplearestillseeingtoday-somethingthatchangedpopularcultureforever.

FlyinghisplaneovermountainsintheUSstateofWashington,hesawalineofstrangeobjects,eithercrescent-shapedordisc-like,flyingwiththemotionofasaucerskimmingonwater.

Themediasoonpickeduponthestory-theFlyingSaucerswerehere1!

Wastheearth　beingvisitedbycreaturesfromanotherplanet?

Soon,somanysightingsweremadethat　theUSmilitarybegantoinvestigateItcalledthesestrangeobjectsUFO2s–Unidentified　FlyingObjects,andthatishowtheyareknown5today.

Militaryinvestigationsfoundnoevidenceofvisitorsfromouterspace.Butthatdidnotstop　thetruebelieversThemilitarywerecoveringup,theysaid.Ormaybeit　wasbecausethetravelersfromspacewereofsuchsuperiorintelligencethattheycouldhide　fromthemostsophisticatedmilitaryanalysts.

Peoplehavealwaysseenstrangelightsinthesky.Inthepastthesewereexplainedinreligiousways.Inaworldwherereligionwaslessinfluentialandsciencefictionwas　popular,signsfromgodwerereplacedbyvisitorsfromotherplanets.

ThedateofthefirstUFOsigningswasalsosignificant.In1947,WorldWarIIhadjust　endedandthecoldwarwasjustbeginning.Humanityseemedlockedinendless　conflicts.Likegenerationsbeforethem,peoplelookedtotheskiesforhelp.ButinsteadofseekingGod,theylookedforhelpfromsuper-intelligentalienswithadvancedtechnology.BeliefinUFOsbecamethefirstreligionofscience.

However,evenpeoplewhobelieveinUFOsarenotquitesurewhytheyvisittheearth.The　universeisabigplaceanditisreasonabletoassumethatthereislifesomewhereoutthere.　Itispossiblethatalienshaveworkedouthowtotravelthroughspace.Yetsomepeoplereport　thattheyhavebeentakenbyaliensandhavehadexperimentsperformedonthem.Why　wouldanyonetravelacrosshalftheuniversetoconductmedicalexperimentsonpeoplelivinginsmalltownsintheUnitedStates?

　Whypeopleusepseudonyms

Youcan’tchoosethenameyouaregivenatbirth，butinmanycountriesyoucanchangeitlegallywhenyoureachadulthood．Ofcourse，mostpeopleneverchangetheirnamesevenif 

theyfeelunhappyaboutthem．However,somepeopledotakethiscourseofaction—particularlyartists!

Whatmakesanartistwanttochangetheirname?

Sometimesit’sforpurelypersonalreasons，suchastheNobelPrizewinningpoetfromChile，NeftaliReyes．Hedidn’twanthisfathertoknowhewaswritingpoetry,sohechangedhisnametoPabloNerudawhenhewasayoungman．Atothertimesthereasonmayappeareccentric；

takethecaseofthePortuguesepoetFernandoPessoa，whowroteunder75differentnames．Thereason?

“WhenIuseadifferentname，Ialwayswriteinadifferentway,”heexplained．Inmoqqqqqstcases，however,thereasonisforsocial，historical，political，orculturalreasons．Herearesomeofthemostcommon:

　　Theperson'

srealnameisjusttoolonganddifficulttoremember．Let'

sbehonest，MadonnaLouiseCicconeisnotaseasytorememberasjustplain“Madonna”．Andshortnamesaremucheasiertoremember:

WilliamBradleybecameBradPittandEdsonArantesdoNascimentobecamePele.

　　Sometimesnamesarechangedformarketingpurposes．Forexample，ifanamesoundstoo“foreign”，itmaybechangedtosomethingthatismorerecognizableinamarket．Sointhefilmworld，RamdnEstevezadoptedthenameMartinSheenOrmaybetheartist’srealnamedoesn’tsoundveryattractive—ChadEverettdoessoundalotbetterthanRaymondCramton.

　　Artistssometimeschoosethenameofsomeonetheyadmire.RobertZimmermanchangedhisnametoBooDylanbecauseofhisadmirationfortheWelshpoet，DylanThomas．

　　Anotherreasonmaybepracticality：

inthepast，womenfounditverydifficulttogetpublished．Toadmitthissituationt