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.
The main thing lenders look at is your debt to income ratio (DTI), the percentage of your monthly gross income that goes toward paying debts. Lenders like to see a DTI ratio of 40% or less, which means if you bring in $5,000 of income each month, your debt payments should be no more than $2,000. Debt includes any installment loans such as car payments, student loans or personal loans, plus any rent or mortgage payments.