. There are five areas FICO considers when calculating your credit score, and each is weighted differently. The importance of each areas is approximately: Payment History 35%. The most important factor in your credit score is whether or not you have a good track record of paying your debts on time. Amounts Owed 30%. This examines how much you currently owe. Owing money isn't automatically a bad thing; FICO will examine how much credit you have available and how much of it you are currently using. Length of Credit History 15%. A young person with no credit will likely have a low score here, but this can be balanced out by having high scores in other areas. Generally, a longer credit history will give you a higher score in this area. New Credit 10%. If you have opened several new accounts over a short period of time, especially if you have a short credit history, this can lower your score. Type of Credit Used 10%. This area examines your retail, installment loans (such as auto payments), mortgages, and credit cards. Your score will be higher if you show you have a good, balanced mix of credit. Your credit has a direct impact on whether or not you are eligible for a loan, as well the amount of interest charged on the loan. Lenders will examine your credit score to determine if you are a good risk and likely to actually repay the loan. To get a loan and good terms, you'll want a good credit score. If you have a bad credit score, see what you can do to improve your credit before taking out a loan. There are three credit bureaus lenders may use to check your credit score TransUnion, Equifax and Experian and they will provide you with a free copy of your credit report once a year. Your credit report is used to calculate your credit score, so it is essential that you check your report for any errors. Note that credit bureaus may use different versions of the FICO score, so you should check all three reports yearly. Order your credit report from annualcreditreport.com. Keep in mind you will be provided with a free copy of your credit reports, not credit scores. You will almost always have to pay a small fee to find out your actual score. . If you do find a mistake on your credit report perhaps you paid off a loan but it is showing up on your report as unpaid you will need to make sure these errors are corrected. Start by reaching out to the vendor who reported the incorrect information and ask them to correct the error. Contact the credit bureau as well, providing copies of any evidence proving they have incorrect information. The bureaus are required to investigate your claim within 30 days. If possible, communicate with everyone via mail, keeping copies of any correspondence as proof.
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One-sentence summary -- Learn how your FICO credit score is calculated Know how your credit score can impact loans. Order your credit report and check for errors. Dispute any errors on your credit report

Unscrew the face-cap or tail-cap, depending on which type of flashlight you have. Remove any o-rings or lenses from the face-cap area. Remove the bulb and springs. Take the reflector - the bowled shaped piece - out of the upper part. The reflector is what you'll be using to light the match. Most flashlights have a piece of glass or clear plastic inside the face-cap, which is just in front of the versatile concave reflective surface. Keep track of the order in which the pieces fit together. You may even want to draw a quick diagram or make notes about how to put it back together. Using more than one match will not be easy since the heat needs to be focused in one location, and the neck of the reflector is narrow. If you use multiple matches it may be difficult to put through the neck area, and will take longer to heat. Take out a single match from the box/pack of matches. Ensure nothing is obstructing the pathway to insert a match into the flashlight. The springs, heads, and other pieces attached to the reflector should be removed as well. You should be holding the backside of the reflector without the rest of the flashlight. Stick the match through the hole in the reflective part you took from the flashlight. It's in the spot where the bulb would normally have been. Make sure the head of the match is in the right way, with the head pointing outward towards the flashlight's end. Use your thumb and pointer-finger to hold the end of the match, the side with the wood. Hold it up directly facing the sun with it being held as far as possible away from you. You'll need to angle it correctly to maximize exposure to the sun. Hold it in this position long enough for it to be dried and to light. Be patient. It could take several minutes for the drying process to work. Once the fire starts you'll need to remove the match. Be very careful doing this, so as to not burn yourself or brush it against the inside of the flashlight. You don't want to apply the heat to the inside of the reflector too long, especially if the face-cap has a piece of plastic inside. You also don't want the match to go out once it's on fire. Be sure to have your kindling or fire-starting material close enough to quickly start your fire. Put your flashlight back together after your fire has been started.
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One-sentence summary -- Take apart a flashlight. Use one match. Insert the match into the disassembled flashlight. Hold the match steady. Remove the match quickly.

Nevada law prohibits gun owners from aiding or permitting a child to have access to a firearm. You cannot be convicted of a violation of this law if you keep your firearms in a secured locked container. To provide additional protection, keep the container in a place where children in the household can't get to it, such as in the top of a closet. Although not required by Nevada law, disassembling or locking your firearms before storing them helps protect children. If they somehow stumble upon your firearms, they won't be able to fire them if they are locked or disassembled. You can get a safety kit with cable-style locks to protect your firearms at your local police or sheriff's department. For a list of law enforcement agencies in Nevada that have safety kits available, visit https://www.projectchildsafe.org/safety/safety-kit/Nevada. Even if you don't disassemble your firearms, make sure they're unloaded before you store them. Keep the ammunition apart from your firearms so that even if children happen to access your firearms, they can't access the ammunition. Your ammunition should also be stored in a locked container. Ammunition can be dangerous for children even if not loaded in a weapon. While Nevada law doesn't require you to store your ammunition separately from your firearms, this will keep children in your household safer. Make sure any children in your household are aware of firearms and how they should act around them. Instruct them that if they ever see a gun, even one that looks like a toy, they should not touch it and tell an adult immediately. If there are adolescents or teenagers in your household who are trained to use firearms, such as for hunting or for target practice, make sure they understand that they should never touch or use a firearm without an adult present. Discourage children from snooping around the house for guns, even if they just want to look at it. Tell them that guns are not toys.
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One-sentence summary --
Keep your firearms in a locked container. Disassemble or lock firearms before storing them. Store ammunition separately from your firearms. Teach your children about firearm safety.