Brand new, seeking advice

Hello everyone,l have been lurking on these boards for the past two months or so, taking as much advice as I could find. After several years of not caring about my future or my credit score I have recently decided to take charge of my life. In the past month I have managed to delete all 4 collections that were on my credit report. However, I have a lot of recent negatives on my report and my scores haven't gone up at all. I even opened a secured card and nothing. I had cancer in 2008 and again in 2010. I will be cancer free for 5 years this September and am hoping to move on with my life.  The following are my negatives. I don't have much money to pay them off at the moment. If anyone has any information or advice for me it would be growth appreciated! Charge Offs:Chase- $10k (unpaid) 03/2015Wells Fargo- $4,600 (unpaid)- 06/2015Citi- $4k (settled)- 04/2104srudent loans- back up to date, several lates (30,60,90,120)

Should work.
1) add ssd drive to the tunderbolt port
2) format ssd to guid boot drive, hfs+ journaled
3) use CCC to copy the recovery drive to the SSD
4) use CCC to clone the 3TB drive to the SSD
5) use system preferences to change the boot drive to the SSD
6) reboot
7) shrink partition of the 3TB drive down to something around the size of your SSD, let the rest become a data drive.  It will remain bootable when needed.
The risks???? thunderbolt reliability over time, I don't know.

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    rustykerr123 wrote:
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    P.S. I'm also planning on upgrading RAM to 4GB. Newegg.ca is running a promotion (http://www.newegg.ca/Product/Product.aspx?Item=N82E16820227251): $72 CDN minus $20 USD mail-in rebate. It's not related to my question in any way, but some Canadians might find this info relevant.

    Well, I don't have the budget for both and as I've already pointed out, Time Machine does not address my needs. It's a great backup solution, but what I need is a synchronization solution. I need to have the same versions of basic files, such as music, photos, documents, and other miscellaneous stuff on my iMac and my HP Vista laptop. Even if I were to get a MacBook in the future, I would still need the same set-up. That way, if something happens to either my iMac or my MacBook, I would always be able to simply copy-paste files from one machine to another. That's, sort of, my version of a perfect backup solution...unless, there's an option to load up files from a Time Machine backup onto a separate one (e.g. MacBook). In the end, Time Machine only partially addresses my need in keeping 2 machines backed up in a sense that it only backs up one of them. My solution kills 2 birds with one stone. I would have 2 syncronized computers (e.g. iMac + HP Laptop, iMac + MacBook) AND both computers would serve as mutual backup sources, since whatever happens to one of them, I would always be able to copy data from the other.
    The problem arises when I factor in the sheer number of gigabytes required on the portable computer to mirror everything from the iMac, whether be it a Windows laptop or a MacBook. I would always have more data on my iMac than the available space on a smaller hard drive. I now have 432GB of stuff and I can presume that this number will only grow. Hence, at any given time I would be able to synchronize only the most essential files to the laptop. Ideally, I would need a NAS which would collect = synchronize data from both machines. That way, whenever files get modified, changes would automatically be transferred to the NAS and routed further down the chain to the iMac. It would work both ways, obviously. In that scenario, I don't need to worry about any of the computers, since whichever one fails on me, I would always have a copy of the entire collection of files. Now, that I doubt Time Machine can accomplish.

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