By Michelle Roberts Health reporter, BBC News Babies like bright colours rather than browns Growing research shows that babies as young as four months show a preference for certain colours. Dr Anna Franklin, from the Surrey Baby Lab, has studied more than 250 babies to look at which colours they prefer.
As long as you are in debt to another you are subservient to them. Now, you can pretend otherwise but its clear that the lender controls the borrower. 1  A portion of your work profits belong to the borrower. 2  You debt may be small as a percentage of your income but a portion must always go to the person who loans you money. 3  You work is never entirely your own.
Example: Jessie and Pat together earn $5,000 a month. Their total debt payments are $1,600 a month. Their debt-to-income ratio is 32 percent ($1,600 divided by $5,000). This ratio is one factor lenders use to decide whether a buyer can afford a mortgage payment.Generally, mortgage lenders prefer a debt-to-income ratio of 36 percent or less.In some situations, lenders will approve mortgages with higher debt-to-income ratios. Before you apply for a mortgage, make sure your credit is in good shape. Get your free credit score and report from myBankrate.his ratio is one factor lenders use to decide whether a buyer can afford a mortgage payment. Generally, mortgage lenders prefer a debt-to-income ratio of 36 percent or less. In some situations, lenders will approve mortgages with higher debt-to-income ratios.