Your Credit Limit Is Hurting your Credit Score.

We love what we do, we have helped so many people get back on track by cleaning up their Credit and by educating them on Consumer Credit. Credit is a huge part of our life, your Credit Report is your “Report Card” and many times people get discouraged because of bad choices they have made in the past or lack of consumer credit education.

credit utilization ratio chart

We know all to well about making the wrong choices and not understanding how credit really works, so this was one major reason why we started Conquest Credit. The problem in today’s culture is “FAST”, everything is fast, fast food, internet, smartphones, etc. We forget to slow down every now and then to budget our finances or keep track of our credit card balances.

For example, one major challenge for many people is keeping down credit card balances. When you have maxed out credit cards, not only will you get into more debt, but it will kill your credit score.


1. Start budgeting, we operate on a zero based budget and it has saved us thousands!!

2. Pay down your credit cards, for starters, if you have a maxed out card or a very high balance, pay it down to at least 50%, Your goal is to get your credit card to 20% or lower and NEVER go above 20% again if you can help it. This will help boost your credit score and will keep rising if you keep your balance low.

Please let us know how we can help, if you need budgeting materials we can send you what we use and if you need help with understanding your Credit Report we can do a Credit Analysis for you for FREE.

Danny Ramirez
President & Credit Repair Consultant.
p:800 288 4833 | | | a: Buena Park


This is why I like to invest in Apple Valley Real Estate.

APPLE VALLEY — The fastest-growing online rental marketplace website has ranked two Victor Valley municipalities in the top 100 best places in the nation to raise a young family.
Mike Lieby helps his grandchildren Blake Mergl and Cody Leathers cross a rope bridge at the Apple Valley Civic Center Park. Apple Valley and Hesperia were recently listed in a survey as among the best places to raise a family. (James Quigg, Daily Press)

According to a survey by the Webby-award winning website,, the Town of Apple Valley and the City of Hesperia made the list of 100 Best Cities for Young Families.

Using the methodology, which included safety, housing costs, school quality and child friendliness, Apple Valley took the No. 68 spot and Hesperia came in at No. 71. Broken Arrow, Oklahoma, and Green Bay, Wisconsin, are the two cities that separate the High Desert locations.

 The website, which draws over 2.5 million visitors on a monthly basis, said Fontana took the No. 51 spot, the highest spot in San Bernardino County, with Rocklin taking the top spot in California.

Located in the center of Indiana, the award-winning town of Fishers earned the No. 1 spot in the nation.

In 2011, Fishers was named the No. 1 city for families by The Learning Channel. Over the decade, the town has also received awards for best places to live and most affordable suburb.

Statistics for the methodology, which were gathered from 500 cities,  came from the Federal Bureau of Investigation,, the American Community Survey and the Department of Education.

Information on the stats included the percentage of the average income required to rent the average two bedroom apartment, the cost of housing, violent and property crimes, and high school graduation rates for public school districts.

In September, the California Exit Exam statistics showed that in Apple Valley, 94 percent of students passed from the Academy for Academic Excellence, 82 percent from AVHS and 81 percent from Granite Hills High School.

The California Department of Education stated that 79 percent of  students passed at Hesperia High School, 86 percent at Oak Hills High School and 80 percent at Sultana High School

In California, 458,297 sophomores took the math test and 85 percent of them passed, while 460,398 completed the English language arts test and 83 percent passed.

Ton Hoegerman, superintendent of the Apple Valley Unified School District said he believes that the the High Desert, in particularly Apple Valley, is a great place to raise children.

“We strive to make our schools top notch in education and we’ll continue to strive to improve.” Hoegerman said. “I’m glad the survey and data reflects our efforts.”

“Our graduation rates continue to grow and are above the county wide average,” said David McLaughlin, superintendent of the Hesperia Unified School District. “Our schools provide a quality education for all students in a safe and encouraging environment with wonderful teachers and staff.”

The exit exam is given for two subjects, math and English language arts, beginning sophomore year. Passage of the test is a state requirement to graduate from high school.

With some of the lowest apartment and homes prices in the state, Becky Otwell, president of the High Desert Association of Realtors, said

she can understand why Apple Valley and Hesperia received high marks in the survey.

Otwell said young families starting out are seeing the average price of an apartment running anywhere from $600 to $700 in the High Desert and a home at $186,500.

“The median price for a home in Apple Valley comes in at $209,000, and Hesperia at $197,000,” Otwell said. “Those are great prices and still very affordable for the area.”

To see the complete list of the Best Cities for Young Families, visit


Metal stud Framing and Drywall Bids, Los Angeles CA.

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1.Measure the Square Footage

Measure the total square footage of the area where the drywall will be installed. When drywall is going to be installed in walls, multiply the width times the height of each wall or ceiling where drywall will be installed. Prepare a spreadsheet identifying all walls or ceiling sections and add all the quantities.

2. Estimate Drywall Boards

Calculate how many drywall boards you will need. After all areas have been totaled, divide those areas by 32, if a 4 by 8 board will be used, or 48 if a 4 by 12 , depending on the size of drywall that is going to be installed. This division will get you the numbers of boards required to be installed. If you want to get the cost, just multiply the total amount of boards required by the price of each drywall sheet. Remember to add local taxes and delivery charges.

3.  Metal Stud Framing

* Roughly $1.50 – $2.50 per sq ft LABOR only, varies do to workforce wages
* MATERIALS range from $0.40 – $0.50 per sq ft depending on geographic location, quantity ordered, fluctuating steel costs, and fasteners.
* $2.50 – $3.00 per square foot LABOR and MATERIALS.
* 40% – 50% Profit Margin, Before Taxes and Overhead.
* Calculations reflect 3 5/8″ Steel Studs, 20 Gauge, &
16″ Spacing for Common Non Bearing Walls.

* Example : Commercial Fit-Out : Interior Walls – 200′ Lineal Feet – 10′ foot High
* Materials : 50 Track Runners – 180 Studs – 220 Track Fasteners – 800 Screws
* Labor : 4 Man Experienced Crew – 10 Hours Construction and Clean Up
* 1 Foreman – $40 Hr Rate – Project Planning, Lay-Out, Set Elevations, & Details
* 1 Mechanic – $25 Hr Rate – Track-Out, Level & Plum Walls, & Rough Openings
* 2 Helpers – $15 Hr Rate – Stud-Out, Cut Materials, Square Studs & Screw-Off

* Contract : 2,000 Square Feet Commercial Framing @ $2.50 per sq ft = $5,000
* Labor : $40 + $25 + $15 + $15 = $95 Dollars x 10 Hours = $950
* Materials : Track = $200 + Studs = $600 + Fasteners & Screws = $150= $950
* Total Earnings = $5000 – Total Costs = $1,900 = $3,100 Gross
* 62% Profit Margin – Excluding Taxes, Insurance, & Overhead
* $3,100 Gross Earning – 28% Income Tax = $868 = $2,232 Net

Danny Ramirez
Construction Superintendent, Project Manager,Consultant.