What is your system for keeping up with CC bills?

After an auto loan in November, and almsot all baddies falling off my report my scores climbed considerably. Since I am rebuilding, I have opened several cards (QS1, First Premier, Shell Gas Card, Amazon Store Card, WalMart Card, Goodyear). This is quite an influx of new monthly bills. To be honest, I'm paranoid about missing a payment. The money isn't a problem, but I dont want it to slip my mind. What organizational systems are ya'll using to keep up with them all? I am not an organized person really, but I do want to keep everything in order so that I NEVER miss a payment!

Revelate wrote:
takeshi74 wrote:
I use Excel and Mint. The former is for crude budgeting, tracking transactions, balances, utilization, etc. Mint is used for analytics. Bills get paid when I get paid. Revelate wrote:
This. There's no excuse for not setting up autopay: zero downside, and possible saving-your-bacon upside. Excuse isn't always relevant. Many find autopay useful but that doesn't mean it's a best fit for everyone. I don't use it but I would recommend to any that would find it a useful safety net.Infinite universe theory senor, it might be decades from now or perhaps never for you as an individual but people do forget payments even on this forum and we're way better statistically than the average I would suggest. If it costs you nothing other than a few mouse clicks, and it protects against you or someone else's doing something sloppy later, why not do it? What is the downside? Possible NSF fee if you overdraw your checking account? Would suggest that's a bigger problem than forgetfulness, we're only talking autopaying the minimums on CC's just to cover the due date. I'm in agreeance that auto pay should be set up. There's no downside except taking the few seconds (and mouse clicks as revelate so eloquently puts it) to set up. The downside of not setting up auto pay could create havoc to someone with stellar credit, or take a few steps back from a dedicated rebuilder.

Similar Messages

Hello, I would like to know what is your policy for higher educational institutes or with whom should I be in touch with? Thanks

I would like to know what is your policy for higher educational institutes or with whom should I be in touch with?
Thanks a lot for your help,

Apple HED has no published email addresses, and since Apple does not sell their products directly in Israel, you will probably need to work through local distributors or dealers in any case. I would suggest contacting Apple's authorized distributor, iConGroup:
http://www.icongroup.co.il
Regards.

What is your solution for getting public transportation in map? Actually my iphone is useless for me because it hasn't a public transportation map.

what is your solution for getting public transportation in map? Actually my iphone is useless for me because it hasn't a public transportation map.

This has been a huge problem for me too. I was actually late to work yesterday and wanted to throw my phone out the window of the bus that I finally was able to find. I'm new to Portland, so this suddenly missing feature is particularly problematic. It really is so hard to avoid getting angry, I just can't believe they would eliminate a feature that people rely on so heavily. But anger doesn't do any good so I'm trying my hardest to stay calm and figure out an acceptable solution while Apple works to restore this feature - at least I pray to God that that's what they aim to do. Here are the apps that I've been trying, I'll try to explain how they work and maybe they will work for you. This is going to be a long post, but I'm hoping some people will find it helpful.
I'll start with the most obvious of all - adding Google Maps to your homescreen. Every time you launch the app you will get a diaologue prompting you to allow Google Mpas to use your location, and then you will be in an environment that looks similiar to what we are used to. It does not integrate with your contact list, so one workaround I've been using is going to my contacts and holding my finger on an address to copy it to the clipboard. Be aware that leaving this web app will lose whatever you're looking at and go back to the start, so best to do this before you launch it. You'll notice some strange behavior - for instance the drop down menu of suggested locations will apear and then quickly disaprear, so just ignore this. Often it will often unexpectadly scroll to the top for some reason when you're trying to do something towards the bottom. Haven't figured out a fix except for trying to not get flustered and doing things slowly and deliberately. It's not as quick as we're used to anyway so this is not hard to do. If you'd like to see any of the suggested routes on a map you can do this by clicking the small 'Map View' link. Just be aware that you can only do this once or you will have to type in your starting an ending points again, as there is no way to go back to the list you were just looking at once you are in map view. One thing that I have found helpful about the Google maps method is when looking at a route, whether in list or map view, you can see the stop ID right there, which is helpful if your city has a way to check real-time arrivals. For instance here in Portland you can text this stop ID to a certain number and immediately receive real-time arrivals.
The app I've been using most is called 'Transit'. It's pretty beautiful aesthetically, and the UI is simpler than anything else I've come across, which is convenient for a task that you want to accomplish as quickly as possible so you can put away your phone and be on your way. When you first launch it you're presented with three bus routes that stop near your current location. It tells you which direction the route is headed and in how many minutes the next bus is scheduled to arrive. This is helpful if you are familiar with that particular busline, otherwise there's no indication of where the line will take you. Upon clicking a line, you're presented with three buttons (again, loving the simplicity). One reverses the direction of that same busline. One expands the list of times so you can quicly see all the arrival times for that bus route at that particular stop for the entire day. The other takes you to map view and quickly displays the location of this stop. And here's the best feature of all (!!), it shows you the busline as a blue line and every single stop is marked with a circle. You can click on a circle and it displays the expected arrival time at that stop. This is all very helpful in some circumstances, but of course it does not let you type in a destination and have it build a route for you, and if you'll be transferring to another line this will not help you at all. To accomplish this you press the arrow in the lower left where you can type in a starting point, ending point, and an arrival/departure time. And this DOES reference your contact list. It will then allow you to quickly switch between three routes that it selects. It also searches Maps (actually it says 'Powered by Foursquare' for landmarks/establishments. For instance if I type in 'sushi', I'm presented with a handful of sushi joints in my area. There is a bug in this app where sometimes the 'Route' button is missing and you can only resolve this by leaving the app and quitting the process in the multitasking trail. When it builds your route, you can click on any point of transfer and it will tell you what time that bus/train is leaving. There is no list view, but personally I never found list view very helpful anyway. I know some people will disagree though.
Now I'll talk about HopStop. This is a kind of clunky interface unfortunately, and also has ads which I can't stand. It is able to reference your contact list. My least favorite thing about this app is the list it gives you is so excessively long-winded it's hilarious. Every single stop along the route is listed in this list view, so you'll be scrolling through literally dozens of pages of useless information like 'Pass such-and-such - 1 min. Pass such-and-such - 1 min. Pass such and such - 2 min.' Oh well. The good news is on this insanely long list, it indicates when you are supposed to do something other than sit patiently in your seat by having an icon to the left of that instruction - either a person walking or a bus number. When you switch to list view unfortunately it no longer displays departure times, so you'll have to be switching betwen maps and list view. One great feature of this app is it lets you save routes to your favorite list. It also lets you find bus stops and quickly see what bus lines hit those stops. I can't stand the flashing advertisements, so I avoid using this at all costs.
On to 'City Maps'. Again, the first thing you will see is a short list of bus lines that hit the stop nearest to you. Tap on one and it shows you the next three departures in either direction, as well as the distance between your current location and the stop in question. This app also searches for restaurants and such, but takes this feature on step further. Here when I type in 'sushi' and select a restaurant, I'm brought to a page that links to the Yelp, Foursquare, and Facebook pages associated with it - even has a link that takes you directly to the menu if Foursquare has it. Awesome feature, right?? Tap on 'Map' and it immediately displays the location and an option to build a few routes. It always displays the walking route below the bus lines to give you a sense of how long it would take (even if it's a two hour walk). Clicking on a bus route on this list takes you to list view. Unfortunately this also displays a deluge of pointess turns that only the bus driver need worry about, but it's not as bad as HopStop. There's an optional feature where it can display Google Street View images right in this list view, if you think that could be helpful. With one tap it quickly switches to a very aesthetically pleasig map view. There's an update button that lets you immediately refresh directions, edit starting/ending points, or give it new directions altogether.
I'm sure in just a moment someone will come along and say something insulting about how we're blowing things out of proportion. I guess that's just the nature of trolls - a lot of people find being angry on forums while hiding behind their screen names cathartic for obvious reasons. Let's all of us just do our best to ignore these people and keep this discussion diplomatic and oriented towards helpful solutions. I know none of us want to give up our beloved iPhones, I'm only considering it as a last resort.

Who is getting good lightroom performance and what is your system setup?

First of all, I think that most people are innoculated to terrible performance in lightroom. Many people running lightroom for a living are using incredibly fast machines and still having performance issues. There is something wrong with this picture!
Here are my system specs
i7 950 running a 3.3 ghz, 12gb ram, 1gb nvidia gts 450 graphics, windows 7 64 botting off of a crucial m4 ssd. My catalog is on the ssd along with preview files. My raw files and raw cache are on a raid 0 drive.
The terrible performance that drives me nuts simple things like cropping photos. In a given day of editing I might crop and rotate 500 files. This should be a fluid piece of lightroom's interface. In adobe camera raw hosted in bridge or photoshop cropping and straigtening photos was fluid on my 10 year old computer (and is perfectly fine on my current machine), but in lightroom sometimes it's smooth, and sometimes their is a bunch of lag when initially trying to crop or rotate. Syncing the previus development settings to the current photo takes several seconds? These are basic things. I've read all the threads, and tried all the fixes, and I am convinced that whatever current lag and slowness I'm experiencing is due to a software incompatibility with a piece of my hardware OR perhaps I'm running as smoothly as lightroom 4 is ever going to run.
I would like to know if there is anyone else out there who is having legitimally smooth performace out of lightroom 4.0, and if so, what are your system specs.

Geoff
I've listed stats and issues above but specifics
Library
space / Z - wait 2 - 3 seconds - some days.... other times - like a rocket
everything else is perfectly acceptable - for version 4
Develop mode
Cropping
hit R and wait, 2 - 3 seconds
handles appear mouse click to grab / rotate / move - wait 2 - 4 seconds before there is any response - not often with the spinning thing
Zooming
space / Z - wait 2 - 3 seconds - some days.... other times - like a rocket
Lens correction
Manual rotate / vertical - usually acceptable, if you catch it right, you can increase / decrease quickly, otherwise its click - wait 2 - 4 seconds photo is adjusted....
horizontal - this is slow, significantly slower than the above for some reason.
HSL/Color / B&W
2 - 5 seconds - usually
Web
This is acceptable - I just have 1 image selected, so any refreshes affect that image, so there is none of that tedious web update
Slideshow
I've been using this with LRTimelapse, to export sequences of images to a preset, its just number crunching - go make a coffee or leave running to export 5 or 6 lots of 400+ images over night
Map
limited by internet speed, its fine the usual irritation of the reverse geo-coding not defaulting to put the data in is mindblowingly frustrating...
I don't use the print or book modules as a rule
Hope that helps Geoff
hamishNIVENPhotography

What index is suitable for a table with no unique columns and no primary key

alpha
beta
gamma
col1
col2
col3
100
1
-1
a
b
c
100
1
-2
d
e
f
101
1
-2
t
t
y
102
2
1
j
k
l
Sample data above and below is the dataype for each one of them
alpha datatype- string
beta datatype-integer
gamma datatype-integer
col1,col2,col3 are all string datatypes.
Note:columns are not unique and we would be using alpha,beta,gamma to uniquely identify a record .Now as you see my sample data this is in a table which doesnt have index .I would like to have a index created covering these columns (alpha,beta,gamma) .I
beleive that creating clustered index having covering columns will be better.
What would you recommend the index type should be here in this case.Say data volume is 1 milion records and we always use the alpha,beta,gamma columns when we filiter or query records
what index is suitable for a table with no unique columns and primary key?
col1
col2
col3
Mudassar

Many thanks for your explanation .
When I tried querying using the below query on my heap table the sql server suggested to create NON CLUSTERED INDEX INCLUDING columns ,[beta],[gamma] ,[col1]
,[col2] ,[col3]
SELECT [alpha]
,[beta]
,[gamma]
,[col1]
,[col2]
,[col3]
FROM [TEST].[dbo].[Test]
where [alpha]='10100'
My question is why it didn't suggest Clustered INDEX and chose NON clustered index ?
Mudassar

How can I creat a security system for a truck, with Wifi camera playing on iPad/iPhone without 3G/LTE ?

Hello,
I want to create a wifi security system for a truck with cameras, but all the ones I found are IP. So I don't know if it's possible to use it only on wifi (not on 3G/LTE).
If you have an idea, it will be nice...
Thank you

that range of most wifi setup unless you want to pay alot!
would likely mean you could see about as much as the camera from where you were standing
a mifi or otherwise something which bridge a lan to the internet would work
make sure the camera have a webserver in it and then you can see it from any web browser where you put in the login and password

What technlogy is good for ABAP developer with some littile knowdge of java

Hi Experts,
What technlogy is good for ABAP developer with some littile knowdge of java IN SAP NETWEAVER.
Can any one guide me for good technology for todays market.
Thanks
Edited by: sdnhelp on Jul 15, 2009 1:50 PM
Edited by: sdnhelp on Jul 15, 2009 1:51 PM
Edited by: sdnhelp on Jul 15, 2009 1:51 PM

Hi,
you can choose PI of netweaver.
Regards,
Muralidhar

HT5576 Email sent Check your inbox for an email with instructions on how to reset your security information but i haven't got anytthng in my email

Email sent
Check your inbox for an email with instructions on how to reset your security information
but i haven't get anything in my email

I never got mine either. I ended up scheduling for them to call me to reset my security questions.

HT4061 What if your phone is not paired with iTunes?!

What if your iPhone is not paired with iTunes and you're trying to find it!

I think I lost my iPhone and in order to find the serial number, I should be able to get it from iTunes but my phone was never paired with it!

Hi Apple! My iphone 4g has restored and I can't retrieve the account. I have tried the password renewal that will be send on my mail but unfortunately my mail has been deactivated also.what is your solution for this kind of cases? This is so unfair.

Hi Apple! My iphone 4g has restored and I can't retrieve the account. I have tried the password renewal that will be send on my mail but unfortunately my mail has been deactivated also.what is your solution for this kind of cases? This is so unfair.

http://support.apple.com/kb/HT5312
If you established a rescue email address, there will be a link on the "Passwords & Security" page of id.apple.com. Clicking the link will send the reset to your rescue email address (NOTE: This is not the same address as your Apple ID email)
If there is no link on the page, then you didn't establish a rescue email address. Contact AppleCare at 800.694.7466, and ask for account security. You will need to answer some questions to verify your identity, AND you will need access to a computer to generate a temporary support pin.
HTH

What are the rules for keeping things running smoothly

As my iMac is now a month old and has been burdened with a number of trials, shareware demo, open source, video tutorials and general clutter; what are the basic rules for keeping things running smoothly? My 'log in' is certainly a lot slower although I don't have any apps loading and finder has become much slower with less spring in it's tail. Are there any caches etc that need dealing with? I'm afraid to say I was a bit of a pro at hammering my windows setups till they came to a stand still and I can't bare to see the Mac going the same way. Have I got to be ruthless and limit the number of apps I have installed? The quality of what is available just on apple.com makes it hard for a software addict to stop downloading Any help or just a reality check would be much appreciated....rob

Hello,
Mac Maintenance Quick Assist: http://support.apple.com/kb/HT1147
Great advice here from, "Klaus1" regarding a clutter free Desktop: http://discussions.apple.com/thread.jspa?messageID=7668937#7668937
Mac Tune-up: 34 Software Speedups
http://www.macworld.com/article/49489/2006/02/software
Tuning Mac OS X Performance
http://www.thexlab.com/faqs/performance.html
The Top 7 Free Utilities To Maintain A Mac.
http://mac360.com/index.php/mac360/comments/thetop_7_free_utilities_to_maintain_amac/
Mac OS X: System maintenance
http://discussions.apple.com/thread.jspa?messageID=607640
A good disk utility to empty caches: http://www.apple.com/downloads/macosx/systemdiskutilities/onyx.html
Use Onyx once a week, run the Maintenance and Cleaning scripts and that will help speed your Mac up pronto.
Run Disk Utility (Applications/Utilities) once a week and Repair Disk Permissions:
Launch Disk Utility. Select MacintoshHD in the panel on the left, select FirstAid, then click: Repair Disk Permissions. Quit DU when it's finished and reboot.
*Tip... very important: Run Disk Utility BEFORE and AFTER all software updates. That will save you headaches down the road.
You do not need to limit the number of apps installed but one thing to bear in mind. A Mac needs a minimum of 10% available disk space just to boot and it's all too easy fill up a drive and before you know it, you can't open apps, or they open and freeze up, or you can't install software. A good way to keep an eye on available space: Right or control click the MacintoshHD icon on your Desktop, then click: Get Info. In the Get Info window, click the black arrow next to: General so it faces down. You will see: Capacity and Available ... Best best is to always have 15% free drive space.
Back up your important data every day. If you have a system failure and need to either do an Archive and Install or completely wipe the drive and reinstall your system software, you'll be glad you did.
Get an external Firewire drive at least equal in size to the internal hard drive and make (and maintain) a bootable clone/backup. You can make a bootable clone using the Restore option of Disk Utility. You can also make and maintain clones with good backup software.
Retrospect Desktop (Commercial - not yet universal binary) http://www.dantz.com/
Carbon Copy Cloner (Donationware) http://www.bombich.com/software/ccc.html
SuperDuper! (Commercial) http://www.shirt-pocket.com/SuperDuper/SuperDuperDescription.html
I hope I didn't inundate you with too much too soon, but just do maintenance, keep your Desktop clutter free, and back up your files daily. Once you get into the habit of doing this, it only takes a few minutes a day.
Carolyn
Message was edited by: Carolyn Samit

ThinkVantage System Update keeps failing with "an error occurred while downloading packages"

For approximately a week now, various machines I am responsible for have been unable to successfully run System Update. The error I see in v3 vs. v4 of System Update is slightly different, though I wonder if the underlying cause is the same. On one machine (ThinkCentre M52) running XP (so using Update v3), when attempting to download the package information, I get the error: "An error occurred while downloading packages". I checked the TVSU log, and find the following error:
Info 2011-10-03 , 08:31:00
at Tvsu.FileDownloader.HttpsDownload.StartDownload(FileDownloadInfo fileInfo, downloadingDelegate downDelegate)
Message: An exception ocurred while downloading https://download.lenovo.com/ibmdl/pub/pc/pccbbs/thinkvantage_en/livefeed.xml
Status set to FAILED
Exception:
  Message: Error at DirectFileDownloader when validating certificates, or a secure channel cannot be established.
  Type: Tvt.FileDownloader.CertificateValidationException
     at Tvsu.FileDownloader.HttpsDownload.doDownloadByHttps(FileDownloadInfo fileInfo, downloadingDelegate downDelegate)
   at Tvsu.FileDownloader.HttpsDownload.StartDownload(FileDownloadInfo fileInfo, downloadingDelegate downDelegate)
If I try to navigate to the URL noted in the message using Internet Explorer, I can understand why this is failing: IE displays a message that the certificate for the site is invalid and, thus, the site cannot be loaded. I have noticed a similar issue when trying to use the "Auto Detect" tool on this machine from the Lenovo site... I.E. indicates the site's certificate is invalid.
This machine is a fresh OS reinstall from nothing; TVSU version is the latest (that I know of): 3.15.0017. I do have two other XP machines (that have been installed for quite some time) running the same version of TVSU that DO NOT experience this issue. I've otherwise been unable to figure out what the difference betweens the machines is. Any thoughts either Lenovo or the community can share would be much appreciated.

hey PSIC01,
try installing this version of TVSU - http://support.lenovo.com/en_US/downloads/detail.page?DocID=DS012808
and see how it goes.
WW Social Media
Important Note: If you need help, post your question in the forum, and include your system type, model number and OS. Do not post your serial number.
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How to send a private message? --> Check out this article.

Security review your database for default accounts with known passwords

Hi,
I have just added a new free tool to my web site that will test your
database for known default users and more importantly for known default
passwords. The tool is a set of PL/SQL scripts that loads a list of 474
known default users to a table. A package procedure is then used to loop
through all of the databases users to test if they are default and have
known passwords.
The list of passwords and users is supplied in a spreadsheet that
includes details of what most of the users are used for as well as a
severity rating for them. This is probably the biggest list of default
users available on the net.
The scripts were written by Marcel-Jan Krijgsman and are available from
http://www.petefinnigan.com/default/default_password_checker.htm
Kind regards
Pete
Pete Finnigan (email:[email protected])
Web site: http://www.petefinnigan.com - Oracle security audit specialists
Oracle security blog: http://www.petefinnigan.com/weblog/entries/index.html
Book:Oracle security step-by-step Guide - see http://store.sans.org for details.

Thanks, now I understand why the wifi keeps dropping. On my personal wireless network, it also seems the distance from the access point is not good compared to my laptop. At work our network & exchange teams don't seem to have the desire to struggle with this "toy" until customers start forcing its adoption. I am using OWA and it works fine over EDGE. I will share your posting with them.
Thank you again.
Dell Windows XP Pro

What are the steps for a NEWBIE with no experience in SAP, to become a SAP professional (Energy & Env. Resource Management) ?

I am a QA & ISO Compliance professional with no knowledge and experience in SAP, but i am looking forward to become a SAP professional. Based on my experience with ISO 14001 (Environment Management) & ISO 50001 (Energy Management) i am interested in ENERGY & ENVIRONMENTAL RESOURCES MANAGEMENT option, but i am not curious to know about the path towards the mentioned goal. I also have a degree in mechanical engineering. I have following questions:
Is an IT background or knowledge of programming a pre-requisite ?
What module would "ENERGY & ENVIRONMENTAL RESOURCES MANAGEMENT" be under ?
Before going in for training and certification, what i should study or be prepare with ?
Is the road-map (Below) all i have to follow ?
https://training.sap.com/ca/en/curriculum/ehs_compliance-sap-ehs-management--environmental-compliance-g-en
Any help and information will be immensely appreciated !

have you checked personnel profile? with CONFIGPROFILE = EDIT? http://help.sap.com/erp_hcm_ias_2012_01/helpdata/en/92/b073fb42b347af9cb19299881b379d/content.htm http://help.sap.com/erp2005_ehp_05/helpdata/en/48/164bbbb68a4b37b62ad9777b9b449f/content.htm?frameset=/en/48/164bbbb68a4b37b62ad9777b9b449f/frameset.htm&current_toc=/en/4f/b9088db1034075a337c537083539da/plain.htm&node_id=141 No you cant make changes unless you have a WF step in your processes and forms which allows you to make changes during the cycle of approval Once completed, you can only reinitiate and it ll trigger WF etc. ie HR admin step, where they check all the information is there in the form and then only allows it to be updated to the Infotype and complete the process. did you check scase with the required roles as indicated above? run su53 for missing any authorization?

What is the use for CREATING VIEW WITH CHECK OPTION?

Dear Legends,
I have a doubt
What is the use for creating view?
A: First Data Integrity, Selecting Particular Columns..
What is the use for creating a view with check option?
A: As per oracle manual I read that its a referential integrity check through views.
A: Enforcing constraints at DB level.
A: using CHECK OPTION we can do INSERTS UPDATES for a view for those columns who have no constraints... is it right??
A: If we do a INSERT OR UPDATE for columns who have constraints it will show error... is it right???
Please clear my doubt's Legends
Lots of Thanks....
Regards,
Karthik

Hi, Karthick,
karthiksingh_dba wrote:
... What is the use for creating view?
A: First Data Integrity, Selecting Particular Columns..Most views are created and used for convenience. A view is a saved query. If the same operations are often done, then it can be very convenient to code those operations once, in a view, and refer to the view rather than explicitly doing those operations.
Sometimes, views are created and used for security reasons. For example, you many want to allow some users to see only certain rows or certain columns of a table.
Views are necessary for INSTEAD OF triggers.
What is the use for creating a view with check option?
A: As per oracle manual I read that its a referential integrity check through views.The reason is integrity, not necessarily referential integrity. The CHECK option applies only when DML is done through the view. It prohibits certain changes. For example, if a user can't see certain rows through a view, the CHECK option keeps the user from creating such rows.
A: Enforcing constraints at DB level.I'm not sure what you mean. Please give an example.
A: using CHECK OPTION we can do INSERTS UPDATES for a view for those columns who have no constraints... is it right??No. Using CHECK OPTION, you can do some inserts and updates, but not others. The columns involved may or may not have constraints in either case.
A: If we do a INSERT OR UPDATE for columns who have constraints it will show error... is it right???If you try to violate a constraint, you'll get an error. That happens in views with or without the CHECK OPTION, and also in tables.

What is your system for keeping up with CC bills?

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