Questions about rebuilding with end goal of mortgage in 1.5 -2 years

Hello all. I have been reading the forum diligently for the last few months, but I’m in a conundrum as to what to do next in my rebuilding process and was hoping for advice. Here’s a snapshot of my current situation. In 2008- 2009 I had a sudden lay off and a long term relationship end. I was left holding what seemed like insurmountable debt.  I paid the collections (didn’t know about PFD) but was still left with a credit report that had a bunch of lates, a collections account and a paid judgement.  All accounts closed on me with the exception of a JCP that I had forgotten about, but American Express sent me a preapproval for the Optima Card with a 700 CL. I took it gratefully, and went off to lick my woundsAfter years of struggling in a few low paying jobs I’ve made it back to my former status salary wise and I’m looking to get myself into a small home in the next 1.5 to 2 years. What’s on my credit report? JCP( 2008) – 4800 CL again thanks to his forum, hit the luv button and got a huge CLIAmex Optima ( 2009) – 2100 CL (thanks to the 3x Amex thread I got my first CLI in years on this card)Credit Union Visa(3/ 2013)- 2500 – this card hasn’t budged in two years, but is my lowest interest rate.Care Credit (10/2014) -1500 CL wish I had known about the recon when I apped for this card. It's too low to be useful to me.Discover(4/2015)- 6000 CLAAoA is 7.9 years. Credit history is 18 + Years. Utilization is 9%1 paid CO on Experian due to fall off August 2015.1 paid judgement on all 3 CRAs due to fall off in April of 20161 inquiry on TU and 1 Inquiry on Equifax. None on Experian.No lates.CK Fakos 750, Discover TU Fico 712, Experian 665 My question is…what next?  I would love to app for the American Express Blue Cash Everyday card and the Chase Freedom in October, but it occurs to me that I have no loan info on my report as my old car loans and home loans were from nearly 16 years ago. I want to avoid a car payment until I buy a house, however, does it make more since to get a loan from my CU to flesh out my report or should I go ahead and app for those two credit cards after that Collection falls off and my Discover ages a bit?   Thanks in advance for any insites.

PDXgigi wrote:
Thanks Dagsky. Any ideas on how long I should take to pay the loan back for best score?  I'm wondering if I should I have it paid off before I look for a mortgage. Also, what do you consider to be small? I was thinking of taking a year to pay back 1000 to 1500. I have some concerns about score dropping when the loan was paid off as well. 
Thanks again!Small as in no more than $500. Terms as long as you can get.  If your CU won't go more than 12 months, go somewhere else. SDFCU for example, will go 36 months on a $500 secured loan at 3.99%, monthly payments of $14 and change. 

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    Mac OS X Tiger v10.4.11 or later  

  • Question about benchmarking with Premiere Pro

    Hi all:
    I am a writer for a website that focuses a lot on benchmarking PC hardware and am in the process of refreshing our CPU test suite. I'd like to implement Premiere Pro into our testing, but as a new architecture launch is due in a couple of weeks, I am working on this with some haste. I'm a novice with this tool, so it's my hope that I can get the "a-OK" from experienced users who know whether we're testing with the tool in a reasonable way. This is important because we implement real-world benchmarks for the sake of showing users of such tools how one CPU can compare to another in terms of raw performance. Other tools we benchmark with include 3ds Max, Maya, Handbrake and Lightroom (which I desperately wish supported more than a couple of threads).
    That all said, the project I've created is not conventional, as it's more of a worst-case scenario. I recorded about 18 minutes from a new PC game using Fraps, resulting in 35GB worth of source files. These are not "lossless", but are close to it (300~370Mbit/s). I take these files, crop most of them, add in cross dissolves and then encode it to MPEG 2 Blu-ray using almost default settings. In order to stress the CPU better, I enable the "Use Maximum Render Quality" (is that often used in production encodes?) option, and also change to a VBR 2-pass.
    Here are some quick results from the benchmarking I did this afternoon:
    Intel Core i7-975 (4 core, 8 thread, 3.33GHz) - 46m 40s
    Intel Core i7-975 (4 core, 8 thread, 4.00GHz) - 38m 45s
    Intel Core i7-980 (6 core, 12 thread, 3.33GHz) - 30m 36s
    As seen there, in an equal-clock 4 core vs 6 core battle, we saw the latter encode finish about 50% faster (the scaling is rather amazing). But the question remains - can I feel confident in benchmarking this as a project? Would it ultimately prove useful to you guys?
    Thanks much for any help!
    PS: As an added question, does Premiere Pro take advantage of SSE4 (or beyond) instructions, and will it support AVX in the future?

    Hi Jim:
    Thanks for the response!
    I don't own a video camera (boy, do I ever feel like a reject, now). Would it be an inaccurate way of doing things if I took the same project I have as mentioned above, export it to AVCHD 1080p/24 and then use that as the source file to encode to MPEG-DVD? It'd still be game footage, but essentially the codec is what really matters (I could be wrong; perhaps the codec would work better with real images).
    Sorry if that comes off as a ridiculous question. If that's not a good solution I will see about getting such a source from somewhere.
    Thanks a ton!
    Edit: Would it be sufficient to use a Blu-ray .m2ts file specced at 1080p/24 AVC MPEG-4 as a source? I assume it's AVCHD given it's 1080p.

  • Question about compiling with different jdk's

    Hi, I have a questions which I can't find an answer for.
    If I compile my program with jdk 1.6, will some1 be able to run it
    using jre 1.5 ?
    a) Assuming I don't use any 1.6 new features
    b) Assuming I use 1.6 new features.
    Btw. I would check myself on other computer with jre 1.5, but right now I can't :-(

    Thank you for your reply.
    So when I use 1.6 jdk, I can compile my program with
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    ?yes, unless the system is broken in the beta of course.
    In other words there is no way that an app compiled
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  • Question about Comes With Music in the UK

    Ever since I heard about the service, I was quite interested in getting a Comes With Music device on contract, but looking for one is like finding a needle in a haystack.
    Ideally, I would like to stay with O2, but they don't seem to offer contracts with Comes With Music, from what I can tell. I called their sales team four times to try and find out and pretty much got a different answer every time, although the one person who did seem to know what he was talking about gave a definitive "no".
    Other than that, I'm finding it impossible to find deals. I know Orange do the 32GB X6, because a friend of mine has this contract (not that I've found anything about it online), and the Nokia site itself offers the 5800 CWM with T-Mobile. Like I said though, I'd rather stick with O2 if possible, because I've always had excellent signal from them.
    So basically, does anyone have any information that may help me? I'm starting to think the reason CWM isn't doing well over here is because nobody really knows about it and because if you do find out about it, it's virtually impossible to find a contract.

    Your only option for getting a CwM phone on O2 is to see what places like carphone warehouse and phones 4u have to offer.
    O2 have refused to sell CwM phones directly in the past.
    Instead of paying more for a CwM phone you may want to consider spotify premium instead. It's £10 per month and it allows you to either stream music or download for use on the phone.
    The X6 32gb CwM has become quite hard to find since the cheaper 16gb model (without CwM) appeared. Originally it was exclusive to phones 4u but didn't sell well due to it's overly high price.

  • The dark mod won't start/question about rebuilding an AUR package.

    Hi...just migrated from Debian so i would be forced to learn some new things (and to tweak my system to meet my needs:P), and till now everything has worked flawlessly..today i encountered my first opportunity.
    Just installed The Dark Mod and it won't start.
    I got this error:
    dlopen '/home/case/.doom3/darkmod/gamex86.so' failed: libjpeg.so.62: cannot open shared object file: No such file or directory.
    Surfed the forums and the solutions were to rebuild the package (wich i still have to learn) or make a symlink (wich was not recomended)...the solutions were appointed in similar cases, with the same error but to other software.
    I'm using libjpeg-turbo 1.1.0-1 and Doom3 runs like a charm...The mod won't...so i'm a litle confused.
    The PKGBUILD of the mod does not mention this particular library since the only dependance that is written in the PKGBUILD is Doom 3...
    So what i'm asking is how do i build it again to make it work with my libjpeg library?wich file do i have to modify?
    Can someone point me in the right direction?
    Thanks.

    From AUR: https://aur.archlinux.org/packages.php?ID=31788. i intalled it with that PKGBUILD...at first i thought that with a slight modification of it i could make the mod work..but the PKGBUILD does not refer to that particular library.
    (...Doom3's engine also comes from the AUR)
    Sorry..i mentioned AUR in the title and then forgot to write the mod came from there...
    What is bothering me is that Doom3 runs with my lib and TDM won't, it tries to open  libjpeg.so.62 wich is an old library.
    Last edited by coeurdechene (2011-03-10 03:43:39)

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