What Are Habits? Habits are the brain’s way of engaging autopilot so that we don’t have to consciously process all the amazing quantity of information it is receiving. We live in the information age but our brain always has done; dealing with the constant flow of stimuli it gets when […]

Lenders will testify to the fact that they gamble every time they grant a loan. The challenge for them is to assess accurately how likely someone is to default on a loan. This makes life difficult for those of us with poor credit histories but when applying for unsecured personal […]