Carmax Score Question and Interest Rate Question...

So I have decided that I think I want to purchase my car at carmax and I wanted to see if someone with a similar credit profile had purchased from them and what was your interest rate I would like to try and get 3.49 or less on a 72 month loan My credit is as follows: 99k total credit92k available18k autol oan on time500 POLbk discharged May 2009 ...all on time since then29 inq My scores are around 685-710 income 195k (if they ask for stubs I will have a little problem because a chunk of my income comes from farmland and I have not received a K1 for 2015 yet, however I could show them a copy of a check over 100k if you think that would work) I want to get a 70k car with tax,title, license and I want to put down 25k So I will finance 45k.... do you think I can get a lower interest rate with my bk on my file ? BTW Penfed gave me 1.99 on 60 months on my 18 autoloan Not sure if carmax lenders, since they are not a CU, will give me the best interest rate What do you think ? Do you think they can give me a low rate (3.49 or lower) Thank you!!

mynameainttracy wrote:
Our car was included in our payment plan and the trustee got our interest rate down. That wasn't anything we had any input on. The trustee got the interest rate on his own with no input or request from us. Makes sense... creditors have little choice in the matter when it comes to decisions made by the trustee and/or the judge. I was mainly talking about if you went to the lender and asked them to lower your interest rate because you were filing... as said I doubt they'd agree on a secured debt.

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Nokia E6 White question and one little question

Hi,
I am planning on buying the Nokia E6 in white, but I am really worried about the fact whether the keypad or the cover of the memory card and USB slot will get dirty. (yellowish)
And my second question: The Nokia E6 is provided with a leather case in some countries, but I am about to buy one E6 and I think it's not provided here in the Netherlands. I wanted to know if anyone knows the exact model number of the leather case provided in the box, so I can buy it separately.
Thanks!

Hi, I have bought the white E6 from the Netherlands, and you're right - there is no case (and no memory card).
The USB slot shouldn't get too dirty that easily since it is not white, but silver (same as the back cover).
Haven't had the handset long enough to know if the keys get dirty. The finish on the keys is a matt white (not glossy/shiny).
One downside of the white (and possibly silver) is that when you set the backlighting on the phone to a low level (to save more power), it is quite difficult to the the keys. I have had to set the backlight to at least medium so that the light is bright enough against the white keypad.
I must the colours offered are rather boring (white/silver/black) but presumably it is because it is sold as a business phone.

Interest Report and Interest Rates

Hi
We are using SB1 2007A SP1 PL08 HFIX 2 with a Polish localisation.
There are a few menu options which are of special interest to me and presumably intended to work together:
Administration > Setup > Banking > Interest Rates
and
Banking > Incoming Payments > Interest Reports
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Hi,
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Thanks,
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File import questions and folder display questions

I am running LR3 on Win 7 x64. I have a few questions.
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When importing from a main folder and including subfolders, is there a way to filter files in any manner? I never want to import web galleries that I have made in bridge, for example. These files have very small JPG files, thumbnails and web images. Is there a way to exclude them form consideration whilst importing? Is there a way to reveal and show the thumbnails with the folder structure? I don't want to have to browse to every folder individually when I am trying to import all useful images from an entire disk. If LR would at least show the folder structure of the subfolders when you select photos from a top level folder, this would help. How can I do this?
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No, because you don't import a whole disk, you only import images. And the toplevel disk bar you see there is the disk where the top level folder is stored, not the entire disk.
Let me make this clear. When I want to view an entire disk, I am only wanting to select images that I have already imported, not the entire disk including images that I have NOT imported.
I am not sure if you dont understand what I am saying or what. If you have folders of images inside a top level folder, you can easily select the top folder to see all subfolders that you have imported. Why can't I select the disk as the top level folder to see all of the images that I have imported on that disk?
I have a cattelog that has images from 8 different disks. I use removable drive bays so all 8 disks are not available at any given time. I just want the ability to select all images that I have imported on a disk, just like you can do at the folder level. I am at a loss as to why this is a problem.
My point about bridge was that LR is a far superior program for organizing images due to its database. But LR is lacking in some features that could have easily been put into it. If bridge can do the type of filtering that it does without a good database engine, then certainly LR could and should do it. In no way do I want to use Bridge to manage cattelogs with 150,000 images. That would be insane. I have no issue with the fact that you have to import your images first to use LR. It has to be this way to work with the database. My issue is that the filtering is not nearly as comprehensive as bridge.
I dont need help with my workflow. Back when I shot many of the images that I am importing now into LR, there was no lightroom. My workflow was much different back then than it is now. My comments were that I assumed that LR could do things that it cannot, not that I needed help with my current workflow. Much of the issues that I have now with LR are due to the old workflow and trying to import only the raw images.

Certview Question, and 1Z0-052 Question

Hello All,
I recently passed 1Z0-051. Very pleased with that. I have been reading Oracle press book for almost 1 year, and preparing for 1Z0-052 for almost 1 year. I have 1 year experience of Oracle database experience, integrating it with coldfusion for web design.
1st issue) I have logged into certview previously succesfully a few days ago. Tried today, and it wanted me to "authorize" a second time, my creds from the pearsonvue website, which I did, exactly as name/email/city are listed on pearsonvues website. So I put the information in,,1,,2,,,3 times, locked me out, and everything was matched up correctly.
Why did it ask me a second time for authorization, when I linked the account/creds two days ago?
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$195 is quite a bit, so hence the reason I want good results.

user10443039 wrote:
Hello All,
I recently passed 1Z0-051. Very pleased with that. I have been reading Oracle press book for almost 1 year, and preparing for 1Z0-052 for almost 1 year. I have 1 year experience of Oracle database experience, integrating it with coldfusion for web design.
1st issue) I have logged into certview previously succesfully a few days ago. Tried today, and it wanted me to "authorize" a second time, my creds from the pearsonvue website, which I did, exactly as name/email/city are listed on pearsonvues website. So I put the information in,,1,,2,,,3 times, locked me out, and everything was matched up correctly.
Why did it ask me a second time for authorization, when I linked the account/creds two days ago? One possibility is that you were using different Oracle SSO's .... some have used one for work and one for home.
Another is that Certview was in a maintenance period.
A third is that Certview has a mind of its own and will do this from time to time.
>
2nd issue) Any last minute tips before attempting the 1Z0-052? I have been using 11G at home for a year installed on linux.
$195 is quite a bit, so hence the reason I want good results.The Oracle Press book practice questions / tests should give you a good idea of the standard you're at providing you haven't used them over repeatedly and have meorised the questions. (In which case buy the sybex book or get SelftestSoftware practice tests). But I think there comes a point where one has to take the exam.
Other than that use normal test preparation good practice.
eg: Ensure you know where the Test Center is and plan to get there in good time and decide what you going to do if you get there early!!! ... etc. etc. Be aware you to plan your test and to be aware of how to handle questions that you dont know (eg marking them for review later etc).
There is also a possibility you may be able to grey out answers you wish to disocunt by right clicking on them ... read the intro pages to the exam carefully to see it this is available. this feature is not available on some simulators. It may or may not be present for your exam.
Chec kthe exam topics on the oracle website exam page to ensure they have not changed.

Oracle9i OCP questions and distribution of questions from each chapter

Dear Friends,
Planning to appear in oracle9i Fundamental-I exam. If someone knows that how many questions would come from each chapter. Also if someone has list of questions for the preparation of this exam.
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Saeed

Hi,
I have cleared my oracle8 database papers(performance tuning, backup and recovery, networking and dba) but i have to give paper of "SQL"(Sequel).
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Hello all in the forums here.
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There are many SSD Migration Guides, provided by the SSD manufacturers as well as computer industry magazines.
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http://www.sandisk.com/products/ssd/sata/conversion-kit/
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Click on the green Download Now button (Cnet.com repository) for Macrium Reflect
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Hello guys
I hope the new java development kit have some way to deal with scanner's TWAIN. Does it?
What is the new Each-for loop used for?
I googled the internet and not find any site that provides me with final reports to Seniors presented by Computer Science Students, is there any?
With Regards
M. Tleis

I hope the new java development kit have some way to
deal with scanner's TWAIN. Does it?No. TWAIN is a Windows only standard, hence standard Java can't support it. There are third party libraries (such as Morena - http://www.gnome.sk/Twain/jtp.html) you can use to interface with TWAIN though.
What is the new Each-for loop used for?Foreach loops are a syntactic sugar that simplify looping over collections. In Java before version 5, you might have written code like this:
List things = new ArrayList();
things.add("abc");
things.add("def");
things.add("123");
for (Iterator i = things.iterator(); it.hasNext();)
String thing = (String)it.next();
System.out.println(thing.charAt(0));
}Java 5.0 lets you do the following:
List<String> things = new ArrayList<String>();
things.add("abc");
things.add("def");
things.add("123");
for (String thing: things)
System.out.println(thing.charAt(0));
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When I save a pic or something where is it saved to? Ive looked on my SD card and I cant find it. I want to save pics from APPS and the internet. I cant seem to find them anywhere... Please help...
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A style question, and a Cairngorm question!

Style - When I draw on a component with a backgroundColor, why can't I see it?
Cairngorm -
Sometimes I want to use the result directly in a module that I am showing on the screen. For instance, when I query the server for a group of items in a category. However, I can not add an event listener to the cairngorm result in the module (view) itself. Is the appropriate way to achieve this:
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2) In the result, populate an arraycollection with the items from the category (using a setter, so I can dispatch event)
3) In module, listen for said event
4) Populate tile from this eventhandler
Is this correct?

Well it's pretty simple:
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Link between Interest indicators and Reference Interest Rate

Hi
In case of bank interest calculation, i have defined Interest indicator as AX for Axis bank. This is the 1st step in Account Balance Interest Calculation
Now in 4th step, i defined Reference Interest Rates AX. In Reference interest rate, we defined interest rate (through Tcode ob83).
Now i want to know where we link interest indicator (defined in 1st step) and Interest rate defined in step 4.
In bank GL also, we Interest indicator & in FF67, there is no field for reference interest tab. So how SAP picks interest rates.

Its in Specify Time-Based Terms

Creating a question and answer database with un incremental question table

Hello,
i have a project which am suppose to create a database which will be Question and Answers.
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exp:
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Answer Table:
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Related forum thread:
http://stackoverflow.com/questions/4695227/how-to-structure-a-database-with-questions-and-answers
Kalman Toth Database & OLAP Architect
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HT201303 I forgot my security question and answer

Forgot security question and answer

Reset Security Questions
Frequently asked questions about Apple ID
Manage My Apple ID
Or you can email iTunes Support at iTunes Store Support.
If all else fails:
Go to: Apple Express Lane;
Under Product Categories choose iTunes;
Then choose iTunes Store;
Then choose Account Management;
Press Continue;
Now choose iTunes Store Security and answer the bullet questions, then click Continue;
Sign in with your Apple ID and press Continue;
Under Contact Options fill out the information and advise iTunes that you would like your security/challenge questions reset;
Click Send.
You should get a response within 24 hours by email.
Presently there appears to be problems on Apple's end, so it may be quite some time before they respond.
I got some help from an apple assistant on the phone.
It is kind of round about way to get in
Here is what he said to do and it is working for me...
1) on the device that is asking you for the security questions go to "settings", > "store" > tap the Apple ID and choose view"Apple ID" and sign in.
2) Tap on payment information and add a credit/debit card of your preference then select "done", in the upper right corner
3) sign out and back into iTunes on the device by going to "settings"> "store" > tap the Apple ID and choose "sign-out" > Tap "sign -in" > "use existing Apple ID" and you should be asked to verify your security code for the credit /debit card and NOT the security questions.
4) At this time you can remove the card by going back in to edit the payment info and selecting "none" as the card type then saving the changes by selecting "done". You should now be able to use your iTunes store credit without answering the security questions.
It's working for me ...I just have to put in my 3 digit security pin from the credit card I am using.
Good Luck friends!

Interest Rate Instruments in Treasury

Hello SAP Gurus
We are using SAP Treasury Product (55A u2013 Interest Rate Instrument) to meet one of our business requirements. We are creating Investment deal/contract with a variable interest. We are also maintaining the Interest Rate Values in transaction code JBIRM on daily basis.
The business requirement is here that they want to calculate the interest value on daily as per rate maintained in transaction code JBIRM and pay on Monthly Basis.
If I am selecting the frequency monthly in Interest Structure Tab and executing transaction code TJ05 to update the interest rate in the deal/Contract. It is not updating correctly. It is taking only one interest rate not alls.
If I set frequency Daily in Interest Structure Tab and executing transaction code TJ05 to update the interest rate in the deal/Contract. It is updating correctly. But the Issue is here that than it is creating interest accounting entry on daily basis. We do not want to create Interest Entry on Daily.
Could you please help me to update the interest rate on daily basis and calculate the Interest Value accordingly and ay on Monthly?
Thanks and Regards,
Amit Kumar Jain

To calculate interest based on a daily rate, but only post interest monthly, you have to maintain the interest and interest rate adjustment conditions with different frequencies.
In the deal, click on the conditions button. You should see a condition 1200 - Nominal interest and because you have used a variable interest rate, you should also see a condition 1210 - Interest rate adjustment. To post interest monthly, you need to set the Nominal interest (1200) condition to Regular update with Frequency of 1 Month. To enter daily interest rates, you need to also set the Interest rate adustment (1210) to Regular update, however the frequency should be 1 Calendar day.
In addition, if you will not have interest rates for weekends and banking holidays, you can set the calendar rule to next or previous working day to and enter a factory calendar that has been configured with weekends and banking holidays as non-working days. Whether you select next or previous working day depends on how the bank calculates interest for the weekends/holidays. For example, if the bank uses the rate from Friday to calculate interest for Saturday and Sunday, you would select previous working day. If however, it uses Monday to calculate the interest, then you would select next working day.
I'm not clear on the issue you are experiencing with TJ05. Can you explain furthe rwhat you mean when you say that it is taking only one interest rate, not all?
Regards,
Amit

How to Change Interest Rates for a loan with different disbursement?

Hi,
My user has a loan with Commitment capital of 35,000SGD with 1.3% interest Rate
On his first disbursement he allocation only 25,000 since interest rate is at Loan contract level 1.3% interest rate is use as well.
On his 2nd disbursement (for the remaining 10,000) he want to change interest rate from 1.3% to 1.5% which is not feasible, I think.
My advise:
1. Create a new contract with a capital amount of 10,000 and interest rate of 1.5%.
2. Reverse the disbursement for the original contract in order to change its commitment capital amount from 35,000 to 25,000 only.
The problem:
Upon reversal of the disbursement we got an error - "Account determination for paid disbursement not possible cotract 100701".
Can anybody know what should be the correct way to adjust the interest rate?
Or how can we get rid the error message to continue my proposal?
Thanks a lot.

Hi,
I assume you are using TCode - FNM3 for reversing the paid disbursement. Please check the Account Determination for Reversal posting keys/account symbols in SPROLoans MgtAcct Determination.
Regards
Prasad AV

Carmax Score Question and Interest Rate Question...

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