11 In its broadest sense, empowerment is the expansion of freedom of choice and action. It means increasing oneâs authority and control over the resources and decisions that affect oneâs life. As people exercise real choice, they gain increased control over their lives.
3. Pay on time every month. The most important thing you can do to build and maintain a good credit score is paying all of your bills and debt obligations on time every month. Even one late payment can significantly damage your credit score, especially early on.
A semester credit hour (SCH) is the amount of credit a student earns for successful completion of one contact hour and two preparation hours per week for a semester. One semester credit hour equals 15-16 contact hours per semester, regardless of the duration of the course. Basically, for a one semester credit hour course, you should invest one contact hour in class and two additional preparation hours each week that take place out-of-class.