Impact of Lowering AAoA Slightly?

My AAoA at the moment is roughly 12 years. I am calculating that if I were to open one new account, it would lower my AAoA to about 11,5 to 11.6 years. I am just wondering if anyone has studied AAoA's enough to know if this degree of reduction would be a enough to have much of a negative impact on scoring, or would 11+ years likely still be considered as positive as 12 or so years? Any idea what FICO scoring considers an optimum AAoA? Thanks to all!

Thomas_Thumb wrote:
EW800 wrote:
My AAoA at the moment is roughly 12 years. I am calculating that if I were to open one new account, it would lower my AAoA to about 11,5 to 11.6 years. I am just wondering if anyone has studied AAoA's enough to know if this degree of reduction would be a enough to have much of a negative impact on scoring, or would 11+ years likely still be considered as positive as 12 or so years? Any idea what FICO scoring considers an optimum AAoA? Thanks to all! On various reports I have received over the last couple years it generally states that: "Most FICO high achievers have an average age of accounts of 11 years or more". IMO an AAoA of 10 years or more is certainly adequate for achieving a potential Fico 8 score of 850. Your credit score is unlikely to be impacted by such a slight drop in AAoA. However, the hard inquiry associated with opening a new account may drop your Fico 8 score and would most likely drop your Fico 4 score. The inquiry is a factor in scoring for one year. (I had a hard inquiry 6/2014 associated with a CLI request - it did drop my Fico 4 but did not drop my Fico 8 - My AAoA is currently 16 years). It appears that Fico 8 may have a higher threshold on # of hard inquiries before impacting score.It was a step function under FICO 4 from data, likely is under FICO 8. Thresholds for individual breakpoints may have changed though, testable in the future just never really bothered as I personally view inquiries to be mostly irrelevant (within reason). Does look on Beacon 5.0 with 3 scoreable inquiries on my report, I gained 7 points when I went down to 2, and lost them again when I went back up to 3 as a recent data example. Also and I hate to say that there's anything wrong with a perfect FICO 8 score; however, your file may not track with anyone not at 850 - we've seen there can be blemishes and still be 850 in the past from some of android01 and other's reports and as such not everything has to be absolutely spotless to hit 850 which makes it sort of hard to test on for things like inquiries and what not until you're below that point and whatever buffer you have is gone.

Similar Messages

What to do with unused credit?

EXACTLY!!! The effect lessens with the MORE you have. If you close cards, the less you have in the future to nullify the closing effect. Thank you for pointing that out. So if the effect LESSENS with the MORE cards you have, then it makes sense to NOT CLOSE them.

johnnyconsumer wrote:
I have never really understood the "close it" mentality. When all these accounts that get closed fall off your credit report in 10 years, you will have a major dip in your average age of accounts. Sure it may not seem like a big deal now, but when your AAoA goes from say 10-20 years to say 5 years, you will probably kick yourself for closing "unneeded" accounts.You don't understand in part because a person's open and closed accounts would have also aged in that time. It's a call that each needs to make and it is not a one-size-fits-all matter. If you prefer to keep everything open then definitely do so but don't assume that it's the best approach for everyone. AAoA isn't the only consideration anyway and it's generally 15%. If one cannot or will not actively montior all accounts then fraud is a potential concern. The number of accounts that one can manage will vary from person to person. I have no problems managing my 13 card but there are certainly those that prefer only having a few accounts. I've never kept accounts open that are of no use to me and AAoA has never been an issue. My FICO's tend to be right around 800. I could possibly eke out more points with a higher AAoA but it's really not worth it to me as I'm already well above the 740-760 mark. Each has to do what works for the individual. johnnyconsumer wrote:
EXACTLY!!! The effect lessens with the MORE you have. If you close cards, the less you have in the future to nullify the closing effect. Thank you for pointing that out. So if the effect LESSENS with the MORE cards you have, then it makes sense to NOT CLOSE them.
It's an average. Both the number of accounts and the ages of the accounts matter. A strong AAoA can be built with a few well aged accounts. Again, don't assume that these are one-size-fits-all matters. If X works for you, that's great. The next may use a different approach. johnnyconsumer wrote:
If i had 3 30 year old cards and two new cards and decided to get rid of the old ones I dont use, then in 10 years from now I would go to a 10 year AAoA, instead of 28 year AAoA.We create all sorts of scenarios where AAoA is drastically impacted and where AAoA is minimally impacted -- and many points in between. One should keep AAoA in mind but, again, it's just one factor among many and one needs to keep one's entire credit profile in mind. Any set of decisions is a matter of making improvements in one area and compromising others. Each needs to to decide where the individual is willing to make such changes. One simply cannot assume that the proper course of action is to always maximize AAoA regardless of other considerations.

Need advice! Please move if u see wrong topic

I have six credit cards aging back to 2010 in order.
2010-Capital one platinum-100/750
2010-U.S. Bank-0/300
2010-Capital one quicksilver- 0/500
2012-Lowes-0/500
2012-Walmart-0/800
2012-Target-0/200
& just yesterday approved for Amex 3,500
I was hoping that I could close U.S. Bank, lowes, Walmart,& target & combine my capital 1 cards just keep the platinum from 2010 & not ding my credit. Is this possible? Also, would it look bad if it shows closed accounts on my credit.
My reasoning is I do not will not ever shop at Walmart it was a while back, they offered it and I took it just cause but I never step foot in there. Same with lowes nothing against them but I hardly ever go there. Target is a useless cl, & so is us bank it seems. Not to mention now that I got Amex I feel like I'm in the big leagues with you guys. Store cards seem to be unnecessary.

netta073 wrote:
Also, would it look bad if it shows closed accounts on my credit.
This thread is linked in the Helpful Threads sticky and should be part of your considerations in your decision.http://ficoforums.myfico.com/t5/Credit-Cards/Closing-Credit-Cards/m-p/347190?jump=true You also need to consider whether you can and will actively monitor any accounts that you choose to sock drawer for fraud -- among other considerations including your own specific preferences, priorirites and goals. Swampy99 wrote:
DO NOT CLOSE ANY CARDS!
Do not rely on oversimplifcations like this. If, after understanding the impact of each decision you decide that you want to keep all cards open then certainly do so but this is not a one-size-fits-all matter despite how proponents of the meme make it out to be. I do not keep cards open that are of no use to me. Certainly consider the impact to your AAoA but if you're worried over AAoA it's really the new accounts that will bring it down. netta073 wrote:
if I don't use these cards often at all wouldn't it look worse if a creditor closes it due to not using it then me closing it myself?

P45 platinum and CPU coolers.

Right, looking to replace my current CPU cooler with more effective one but there seems to be a slight problem if one wants to get a proper tower-type cooler on this board.
Had a look at coolink corator DS and noctua NH-D14 ( or something like that) and their compatibility list on websites state pretty clearly that they won't fit because of excessive height of chipset cooling.
Same thing apparently applies to thermalrights silver arrow. Couldn't find any info about Prolimatechs megahalems rev 2 on their site.
So, what CPU-coolers have you been using on this board. I'm not afraid of slightly modifying them as long as it doesn't impact the performance. Slight bending of fins enough to make them fit or is there actually a cooler available that fits straight away?
Apparently Scythes Ninja \ ninja 2 fits, atleast that's what someone said on Scythes forum.

http://img337.imageshack.us/g/17122010273.jpg/
Took some pics from different angles. "Lots" of space all around. Fan covers ram slot 1 but that shouldn't be a problem if your sticks don't have large heatsinks on them.
Uploaded with ImageShack.us
Result in temps. With previous cooler would prolly have been 10 or so celsius more with these volts.

MSI Afterburner and GTX 570 Twin Frozr 3

So I recently purchased a gtx570 and see that I cannot even see what voltage I am at with afterburner , no matter what I try I cant change or see voltage , I find it amusing that MSI is advertised on the box for an MSI card yet it doesnt work with my Twin Frozr 3 .
Does anybody have a tweak for afterburner so I can see what voltage I am at , I wish to attempt to lower my voltage and keep stock OC settings .
I do not wish to use 2 programs when afterburner is already the best and from msi .
Also , can lowering voltage slightly @ stock settings cause any harm whatsoever ?

Quote from: Svet on 09-July-11, 07:13:19
what exactly?
Probably my suggestion to unlock voltage control and voltage monitoring, like if I know he already try it. Will have helped to give us more information as witch driver he installs with his new card.
EDIT : the OP have another tread about another problem with the same GPU , I will suggest he make the cleaning of the registry as we suggest in the other tread first, one problem at the time

I'm thinking of using Final Cut Pro to straighten slightly crooked footage and then re-import back to iMovie to complete the video. Does this have any impact on image quality?

I'm thinking of using Final Cut Pro to straighten slightly crooked footage and then re-import back to iMovie to complete the video. Does this have any impact on image quality?

As your rotate the image, you will begin to see black edges. So, as Tom implies, the image must be scaled up to hide those voids. If you shot 4k ad are editing in a HD timeline, no problem, lots of room to spare. If you shot 1080 and are editing in a 1080 timeline, you will run into issues at a certain point. However, if your 1080 project is going to be transcoded to 720 or ye olde DVD you won't notice any deterioration at all.

Core duo with 32"LCD TV slight problems

Hi there!
I've decided to buy an LCD High def telly with HDMi input. So I puchased a DVi to HDMi lead and everything looks great on the telly when set at 720p.
Only thing is, the top and bottom of the screen are missing so I can't see the menu bar. To cure this i've used switchresx control panel to alter the settings to achieve a lower resolution, of around 1102x620. After messing around with the front porch (or whatever you call it) the picture is now central and pretty much fully visible.
But I can't help but think that i'm missing out on some pixels! Is there any way I can run it at the full 720p or 1366x768 and adjust that resolution to just fit? It's like it just needs shrinking a little.
It's also worth pointing out that this is with overscan turned on. Without overscan the picture doesn't fill the screen and has black borders.
Thanks in advance for any replies, am glad theres a dedicated community out there!

Hiya, thanks for your replies so far.
Which frequencies should I play with? I shouldn't really go away from the native vertical frequency of 50hz should I?
It's an Acoustic Solutions LCD32KD750HDF. With overscan off I can't really seem to get any setup that doesn't have a big black border, plus there are no settings possible on the telly when running through HDMi, it is fixed at whatever is being inputted.
It looks great at 720p with overscan on, it's just that the top, bottom and sides are cut off so I can't see the menu bar. Also when running front row, the time display on a song disappears of the edge of the screen.
As I say, i've lowered the resolution slightly to achieve visible screen - but it just seems to be defeating the object. The televisions native display is 1366x768 pixels, but I can't get a setup that will make that work at all.
Again, I do apreciate all responses.

Slow speeds now, has my IP profile been lowered?

My broadband has been fine for the past 2 years with a download speed of average 1.3MBs (1300kbp/s)
There has been absolutely no changes to the environment in the house, no extensions.
My Router is connected to the ADSL filter, connected to the master socket face plate.
On June 2nd around 22:00 BST I noticed very high latency and disconnections on my Broadband.
I did the usually by resetting the router, waiting a couple of minutes are restart. However that didn't fix the issue.
I picked up the house phone and noticed there was a LOT of noise on the dialtone, I tried the 17070 quiet liine test and same again, a lot of noise.
So I called up the BT Broadband helpdesk and spoke to a lady in India, had a long conversation with her running a few line tests and concluding there was no issue on the BT circuit side.
So I decided to leave it and hope for the best that it would fix itself, the next morning latency is fine back to normal (pinging 4.2.2.2 <40ms) and BB is stable with no disconnects.
However my BB speeds appeared to have dropped to about 700kbp/s tops, has BT lowered my IP profile to stabalise the line??
Can someone advise? Here are my stats:
ADSL line status
Connection information
Line state
Connected
Connection time
0 days, 12:56:02
Downstream
7,645 Kbps
Upstream
440 Kbps
ADSL settings
VPI/VCI
0/38
Type
PPPoA
Modulation
ITU-T G.992.5
Latency type
Interleaved
Noise margin (Down/Up)
16.1 dB / 29.2 dB
Line attenuation (Down/Up)
31.5 dB / 16.6 dB
Output power (Down/Up)
0.0 dBm / 12.9 dBm
Loss of Framing (Local)
0
Loss of Signal (Local)
0
Loss of Power (Local)
0
FEC Errors (Down/Up)
372 / 4294967264
CRC Errors (Down/Up)
0 / N/A
HEC Errors (Down/Up)
N/A / 0
Error Seconds (Local)
0
Thanks

Hmm that's strange, I haven't touched the router and it looks like it may have restarted itself?
Although speeds have increased slightly....
ADSL line status
Connection information
Line state
Connected
Connection time
0 days, 10:20:45
Downstream
8,358 Kbps
Upstream
440 Kbps
ADSL settings
VPI/VCI
0/38
Type
PPPoA
Modulation
ITU-T G.992.5
Latency type
Interleaved
Noise margin (Down/Up)
15.2 dB / 28.6 dB
Line attenuation (Down/Up)
31.5 dB / 16.6 dB
Output power (Down/Up)
0.0 dBm / 12.6 dBm
Loss of Framing (Local)
12
Loss of Signal (Local)
1
Loss of Power (Local)
0
FEC Errors (Down/Up)
1454 / 0
CRC Errors (Down/Up)
5 / N/A
HEC Errors (Down/Up)
N/A / 0
Error Seconds (Local)
6

Performance Impact with OR concatenation / Inlist Iterator

Hello guys,
is there any performance impact with using OR concatenations or some IN-Lists?
The function of both is the "same":
1) Concatenation (OR-processing)
SELECT * FROM emp WHERE mgr# = 1 OR job = ‘YOURS’;- Similar to query rewrite into 2 seperate queries
- Which are then ‘concatenated’
2) Inlist Iterator
SELECT * FROM dept WHERE d# in (10,20,30);- Iteration over enumerated value-list
- Every value executed seperately
- Same as concatenation of 3 “OR-red” values
So i want to know if there is any performance impact if using IN-Lists instead of OR concatenations.
Thanks and Regards
Stefan

The note is very misleading and far from complete; but there is one critical point of difference that you need to observe. It's talking about using a tablescan to deal with an IN-list (and that's NOT "in-list iteration"), my comments start by saying "if there is a suitable indexed access path."
The note, by the way, describes a transformation to a UNION ALL - clearly that would be inefficient if there were no indexed access path. (Given the choice between one tablescan and several consecutive tablescans, which option would you choose ?).
The note, in effect, is just about a slightly more subtle version of "why isn't oracle using my index". For "shorter" lists you might get an indexed iteration, for "longer" lists you might get a tablescan.
Remember, Metalink is not perfect; most of it is just written by ordinary people who learned about Oracle in the normal fashion.
Quick example to demonstrate the difference between concatenation and iteration:
drop table t1;
create table t1 as
select
     rownum     id,
     rownum     n1,
     rpad('x',100)     padding
from
     all_objects
where
     rownum <= 10000
create index t1_i1 on t1(id);
execute dbms_stats.gather_table_stats(user,'t1')
set autotrace traceonly explain
select
     /*+ use_concat(t1) */
     n1
from
     t1
where
     id in (10,20,30,40,50,60,70,80,90,100)
set autotrace offThe execution plan I got from 8.1.7.4 was as follows - showing the transformation to a UNION ALL - this is concatenation and required 10 query block optimisations (which were all done three times):
Execution Plan
   0      SELECT STATEMENT Optimizer=ALL_ROWS (Cost=20 Card=10 Bytes=80)
   1    0   CONCATENATION
   2    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
   3    2       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
   4    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
   5    4       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
   6    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
   7    6       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
   8    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
   9    8       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
10    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
11   10       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
12    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
13   12       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
14    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
15   14       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
16    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
17   16       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
18    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
19   18       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)
20    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=2 Card=1 Bytes=8)
21   20       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=1 Card=1)This is the execution plan I got from 9.2.0.8, which doesn't transform to the UNION ALL, and only needs to optimise one query block.
Execution Plan
   0      SELECT STATEMENT Optimizer=ALL_ROWS (Cost=3 Card=10 Bytes=80)
   1    0   INLIST ITERATOR
   2    1     TABLE ACCESS (BY INDEX ROWID) OF 'T1' (Cost=3 Card=10 Bytes=80)
   3    2       INDEX (RANGE SCAN) OF 'T1_I1' (NON-UNIQUE) (Cost=2 Card=10)Regards
Jonathan Lewis
http://jonathanlewis.wordpress.com
http://www.jlcomp.demon.co.uk

Slight glitches in Source/Canvas monitor with CUDA MPE only

i7 3930k, Win 7 64-bit, EVGA GTX 570HD (2.5GB version). Everything is working correctly and stable (overall) . My one gripe is that when I toggle between CUDA MPE and software MPE, the software MPE is actually smoother in many cases. The CUDA is obviously working, but I get almost a slight shimmer running up the video (not tearing) , nothing terrible but certainly annoying. Its always about half way up the video where the shimmer starts and goes up to the top and disappears. Skipping through the video one frame at a time reveals nothing, its not in the source video, this has to do with decoding or aliasing.
It happens also at 100% pixel for pixel monitoring , I wanted to see if it was an aliasing issue, but the situation still occurs. Software MPE playback does not exhibit this glitch, so I've narrowed it down. The main question is are there NVIDIA settings in the control panel that may be not quite right? I've tried the defaults, and tweaked some of the settings, but there are a lot of options and I'm not sure which might effect the playback.
Seems to happen the most with H.264 canon files and some ProRes stuff I've imported, but then again turning off the CUDA MPE makes the problem go away....
Not a HDD or processor issue, those I've checked for certain.
I am running the new 6.0.2, but it happened before as well.
Already made sure the cores weren't parking, and they are all active....
Does anyone have any ideas?
Thanks for any help !

Hey I've been working on this with a few different systems as to try to figure out what is going on. First I am working on a Mac Mini 2011 i7 Quad with the crappy Intel 3000 low end 512MB graphics , and software MPE with the same H264 and ProRes files look flawless. Same with another PC Win7/64 HP Probook laptop I have, again with no GPU acceleration.
Last week I picked up Adobe PP6 classroom in a book and may have stumbled upon something. Maybe not.
Anyway on page 39, there is a paragraph on Maximum bit depth and Render quality settings, as specified in the sequence settings tab.
"If you enable Maximum Render Quality or if you have GPU acceleration, Adobe Premiere Pro uses a more advanced system for scaling images smaller. Without this option, you may see artifacts or noise in the picture when making images smaller. Without GPU acceleration, this option will impact performance."
Hmmmm... So I only see the "isssue" with the GPU enabled, and neither of those Maximum bit depth or Render quality options enabled on my projects. Yet without the GPU acceleration (MPE software only) and these options also not enabled, everything is fine (on my Mac Mini, my HP ProBook, and my PC where I am seeing the issue). This jives with my experience, so I am going to check those two options Monday when I get back to the office and see if that doesn't solve the issue. As if the preview monitors when GPU accelerated, almost default to a "draft" mode of rescaling/alising, this is perhaps what I am seeing. Blazing performance at the expense of a little image quality.
The computer is so understressed during H.264 playback, I'm seeing like 8% CPU total resource usage, that I can surely afford to crank up the quality and not see any kind of dropped frames. In fact when I view the 1080p @ half resolution, I still see the slight shimmer. And this is off an OCZ Vertex 4 via SATA 6g where I'm reading 450MB/sec without breaking a sweat.

Very slight dent in aluminum on top of new i5 iMac 27

I recently purchased a new Quad Core i5 27 iMac from Frys electronics.
So far no screen issues or other operational issues - been running a few days now.
I was running my hand across the top of the case and noticed and ever so slight dent/impression about 5 inches from the left.
Anyone else have anything like that.
I was thinking of taking it back but I have one that seems to work.
Thoughts - thanks.

edrush001 wrote:
Would you also return it if you knew that 95% of the community has perfect working iMacs? My point here is that we are lowering our criticsline just because the fact that Apple has some issues with many computers now.
In my opinion, you shouldn't lower that line. I almost made the same mistake but am happy that I did it! But the choice is up to you ofcourse.
I tend to agree with you there, we are lowering our standards, because a replacement machine may be worse, but that is wrong they should all be 100% when bought new, we pay a premium price for Apple goods and should get premium quality in return.
null

R2.0.2 Release Impact on GPS

Well, since my July 25 purchase of my 3G iPhone 16 gig, and two releases later, I finally have fallen victim to the many concerns and frustrations around GPS inaccuracies... this after zero to essentially no issues.
I loaded R2.0.2 on Wed Aug. 20 and on my first attempt to use GPS (Google Search) to locate a local restaurant, I received a "No Results Found" message... This in lieu of the fact I did not have this problem before when I did a similar search for the same restaurant to show off the beauty of the Google Search capability to my lovely bride who was reluctant for me to jump on the latest and greatest iPhone. My last search was just prior to my moving to R2.0.1 on Aug 9. In both scenarios, i was using my wi-fi at home.... also trying it out on 3G (which has vacillating signal strengths from the exact spot in my home ranging from No Svc to 2-bars... mostly zero to 1-bar).
I made another attempt to locate this restaurant by plugging-in the actual address into the Google Search address field in GPS (this address pulled from a Goggle search thru Safari on the iPhone), and I ended up on the opposite coast of FL, 3-1/2 hours away.
I have done Network Resets... Restore's thru iTunes as a "new iPhone User" and using previous back-ups from my iPhone, all with the same failed attempts. Apple Care was also stumped. So I have an appt. at my local Apple Store on Tuesday afternoon, 45-min away.. with no clue if they will have a replacement phone seeing the Apple Care Rep has this down as a h/w issue... or even with a temporary Svc Replacement phone, I am looking at additional time consuming trips... with no guarantees that a new 3G will resolve the issues if R2.0.2 is the cause? NOt to mention the invisible Shield I will have to re-order if they take my iPhone. I am really beginning to wonder at this point about the reliability and serviceability of this neat little device and whether it is worth the hassles?
There are two other potential variables, while minute and seemingly non-issues... but shortly before this issue occurred I had downloaded an app from the App Store and in the past 2-hours have cradled my 3G in a beautiful Sena leather case. So did the App download cause the GPS problem? Doubt-it... since the "new Phone restore" I did, did not include the new app I downloaded... and as far as the Sena Case... if it caused the glitch, it would have had to be due to the case not allowing the 3G to breath and cool itself, which poses all kinds of other questions and concerns around the 3G? For those wondering if I charged my 3G overnight, or at all with it in the Sena Case, the answer is NO... So did the case somehow interfere with the GPS signal? No... seeing I made future attempts to search for this restaurant with the Sena Case off. If it was heat related, then it would be safe to assume that once heat induced issues impact our iPhones, it would appear to be irreversible. The iPhone did not appear to be hot when I removed it from the leather case, in fact just a slight hint of being a little warm.... and I know warm and hot seeing I own a MacBook Pro that's been on for a while.

generally i would agree with what you said. it is kind of the squeaky wheel effect. but i don't think so in this case. I don't think anyone is immune from the slow sync problem. Some are not as bad as others, but just about everyone has seen a slow down. And 2 hours to sync 2 added songs doesn't cut it for me.
As for me. i tried 7.0.2 on a clean copy of windows that i keep on a spare drive, for emergency purposes. Upon going through the looking for album art 3 times (several hours each time) i have album art for every song in my collection by the way. i made the mistake of connecting my ipod. i did not update the software, as i knew i would be going back to it6 on my normal partition. Well itunes 7 managed to screw up the art work on the ipod, erasing almost half of it. i ended up having to restore and connecting back to it6 where it fixed the problem.
So i guess what i am saying is that i have more than just rumors to go on. Anyway. IT7 LOOKS cool! I love the new way the ipod interacts, the pages, and the graphical depiction of hard drive usage.
I don't like, and i hope its only a bug, that you can not add files to the ipod directly. they must first be added to your library. And more than that, i HATE that you can only add one song at a time using the add file to library feature. In IT6 you could select several songs at once to add.
Thanks for taking the time to answer me though.
mike

Experiencing slight lag in some apps

Starting around a few days ago, I experienced slight lag in some games and apps that I have, mostly graphic-intensive ones (but some simple graphics ones also) and also iPod (tiny bit of lag when scrolling sometimes). Note that I did not upgrade to 3.0 yet since some games and apps are experiencing severe issues with 3.0 and I'm waiting for their update to come out before updating to 3.0. For games, sometimes the character would freeze for a fraction of a second, and for the next few seconds the framerate would be greatly reduced, but after those few seconds it would be normal again. Cutscenes will usually experience slightly lowered framerate since it's not perfectly smooth anymore, and with DDR-S (music rhythm game) often the arrows will be jumbled up and game will freeze for a second. Lots of apps will take a few seconds longer to respond/load. I have restarted my iPhone four times now, and I did not download anything except apps and games, or change any settings. It's also not a low disk space problem because I've had 2GB free space for at least a month now and it never lagged before.
Is this a problem with memory or something? But wouldn't that usually be solved by restarting? Does anyone know what the problem is and how to fix it, thanks.

Ok since no one replied...
Does anyone know how I can contact Apple then?
It's quite amazing I did not find a single way to contact Apple in this official website, as no way I'm paying money to call them for help on a product I spent hundreds of dollar on.

Have you had high cc usage for a planned expense that lowered your FICO scores?

In a week or so I am initiating some home improvements and repairs. I know the charges to my cc will be way over the ideal limit until I pay it(them) down, but I now have zero interest on several cards so now is the time to do it. Has someone done this and seen their credit scores sink to the bottom of the barrel? I am thinking I should just not look at scores while I am doing these necessary things and just continue paying down the balances until my credit scores recover. How badly did your credit take a hit if you have done this? Was it worth it to you? (I only just got these scores in the last weeks due to utilization and new accounts.) Oh, and what is considered 100% usage? How close to the limit can I go? Thank you for any responses. In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; Band of A Travel Rewards 3.5k; Bank of A Travel Rewards 3.5k; Bank of A Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; Utilization: 12%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 5 TU: 7; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

Musiclover wrote:
Have you had high cc usage for a planned expense that lowered your FICO scores?I don't recall but I have been up to 76% recently. However, the balance was immediately paid off. I don't recall if reported or not. The impact didn't really matter since it was going to be paid off immediately. Musiclover wrote:
Oh, and what is considered 100% usage?
Utilization is balance/limit. If the balance equals the limit it's 100%. Musiclover wrote:
How close to the limit can I go?Depending on the card you may be able to exceed the limit. However, such cards would require that you immediately pay any balance exceeding the limit. For scoring purposes it is recommended to not exceed 30%. However, short term high utilization generally isn't an issue. It's prolonged high utilization that can get you into trouble. Be aware that there is a double hit from having high utilization on a card and having itmaxed out (generally >90%). Musiclover wrote:
I know the charges to my cc will be way over the ideal limit until I pay it(them) down,How long will that take? What utilization would you be at initially? How long would it take to get it down to 50%? Under 30%?

Impact on Portal if changing IP address of backend systems ?

Hi,
Slightly different scenario to the usual "change of ip" address questions.
We have an EP6 Portal used for SSO access to backend R/3, CRM, BW systems.
Does anyone know the impact on the Portal side if the IP address is changed for the backend systems only ?
The Portal system IP address will not change.
The changes requires on the backend systems is already known about,
as they are addressed in notes: 88346, 403708, 757692.
From browsing the forums, I am expecting the Portal will need a restart because
the JVM caches IP addresses.
Refer: Controlling DNS caching in the Java Virtual Machine (i.e. J2EE WAS)
Is there likely to be an impact on SSO, or anything else on the Portal side ?
Many thanks,
Andres

Hi Andres,
No problem with the SSO and other details.
But you have to change the hosts file and map the servername with the new IP address.
The path for the host file in windows environment is /drivers/etc/hosts.
Here you have to map the new IP with the corresponding server name.
Other than this everything will work properly.
If you are unable to change the hosts file then in the system object of the portal in the connector property set the server name to the new IP address. Everything will work properly. We had this problem and solved this.
Regards
Arun

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