What would you do? Thinking about refinancing car loan. Credit not yet optimized.

Currently my objective is to get my credit scores to the high 700's-800 by years end so i can apply for a mortgage and be on my way to the American dream and home ownership. I started my subscription to MyFico last month and here are my scores: Equifax: 748 June 30, 2015, now 757 July 11, 2015Trans Union: 701 June 30, 2015, now 723 July 10, 2015Experian: 737 June 30, 2015, no updates With that said my credit score is not yet optimized to what i am aiming for. And i do not mind paying a little more to accelerate my path to optimization. Example: keeping a <10% balance on my credit cards versus keeping a zero balance. My current auto loan was originally for $31,000 at 6% for 5 years and i've made a full year of installments. I keep reading about DCU and their super attractive 1.74% APR. I also currently have an account with Penfed (though they have denied me a year ago when requesting for a $50k auto loan). If you were me, would you risk a drop in credit score for better car loan terms now? Or would you wait (if all goes as planned) until after i apply for and get a mortgage? If i can get approved for 1.74%, that'll decrease my payment from $600 to $540 or it would allow me to pay off the loan 6 mos early.

slipper wrote:
Currently my objective is to get my credit scores to the high 700's-800 by years end so i can apply for a mortgage and be on my way to the American dream and home ownership. I started my subscription to MyFico last month and here are my scores: Equifax: 748 June 30, 2015, now 757 July 11, 2015Trans Union: 701 June 30, 2015, now 723 July 10, 2015Experian: 737 June 30, 2015, no updates With that said my credit score is not yet optimized to what i am aiming for. And i do not mind paying a little more to accelerate my path to optimization. Example: keeping a <10% balance on my credit cards versus keeping a zero balance. My current auto loan was originally for $31,000 at 6% for 5 years and i've made a full year of installments. I keep reading about DCU and their super attractive 1.74% APR. I also currently have an account with Penfed (though they have denied me a year ago when requesting for a $50k auto loan). If you were me, would you risk a drop in credit score for better car loan terms now? Or would you wait (if all goes as planned) until after i apply for and get a mortgage? If i can get approved for 1.74%, that'll decrease my payment from $600 to $540 or it would allow me to pay off the loan 6 mos early.I'd refi now. Too big of a difference not to.

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HT1338 I currently have Snow Leopard and am thinking of upgrading to Lion but have heard some bad things about it. Should I upgrade or not? What do you like/dislike about Lion?

I currently have Snow Leopard and am thinking of upgrading to Lion but have heard some bad things about it. Should I upgrade or not? What do you like/dislike about Lion?

It is indeed all down to what you need to do with your machine.   Snow leopard is an excellent OS and as Baltwo suggests you have to check out your current apps and programs because PPC won't work on any higher OS than the one you have.
Andy's comment is very interesting and, I suspect, insider knowledge based    Certainly I would wait for Mavericks now it is on the horizon ... and then add six months or so for the bugs to be ironed out.
Good luck, whatever you do.   I'm staying with Snow Leopard.

I have read up on all about crashes and i cant even open it in safe mode :( i have tried deleting it and reinstalling it but the problem still persists. What would you suggest i do and is there any way i canget hold of firefox 6 for mac?

i have read up on all about crashes and i cant even open it in safe mode :( i have tried deleting it and reinstalling it but the problem still persists. What would you suggest i do and is there any way i canget hold of firefox 6 for mac?

Does the regular Firefox 8 release version work or does the version crash as well?
*Firefox 8.0.x: http://www.mozilla.com/en-US/firefox/all.html
Create a new profile as a test to check if your current profile is causing the problems.
See "Basic Troubleshooting: Make a new profile":
*https://support.mozilla.com/kb/Basic+Troubleshooting#w_8-make-a-new-profile
There may be extensions and plugins installed by default in a new profile, so check that in "Tools > Add-ons > Extensions & Plugins" in case there are still problems.
If that new profile works then you can transfer some files from the old profile to that new profile, but be careful not to copy corrupted files.
See:
*http://kb.mozillazine.org/Transferring_data_to_a_new_profile_-_Firefox

HT4061 I lost my iPad and am concerned about privacy. What would you do if you lost your iPad to ensure privacy?

I lost my iPad and feel exposed. What would you do if you lost your iPad? It wasn't locked.

These links may be helpful.
How to Track and Report Stolen iPad
http://www.ipadastic.com/tutorials/how-to-track-and-report-stolen-ipad
Reporting a lost or stolen Apple product
http://support.apple.com/kb/ht2526
Report Stolen iPad Tips and iPad Theft Prevention
http://www.stolen-property.com/report-stolen-ipad.php
How to recover a lost or stolen iPad
http://ipadhelp.com/ipad-help/how-to-recover-a-lost-or-stolen-ipad/
How to Find a Stolen iPad
http://www.ehow.com/how_7586429_stolen-ipad.html
Apple Product Lost or Stolen
http://sites.google.com/site/appleclubfhs/support/advice-and-articles/lost-or-st olen
Oops! iForgot My New iPad On the Plane; Now What?
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If you don't know your lost/stolen iPad's serial number, use the instructions below.
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 Cheers, Tom

Random kernel panics on iPhone 4 GSM: what would you do?

Hello all,
I'm posting here in hopes that someone could help shed some light on the matter before I give up and send my phone in for repair, provided it will be repaired/replaced given how random this issue is.
I've had an iPhone 4 since November 2010, a GSM unit as I'm in Europe. Jailbroke it on a dull day just to see if I'd have any use for that, restored it to stock firmware (using the backup I had created before applying the jb) about 24 hours later. No trace of jb on it at all nowadays, basically. The phone and the system are as vanilla as they can be. The only customization, so to speak, is the provisioning profiles in my name as I'm an iOS developer.
Ever since March, the phone will sometimes randomly reboot. There is no pattern whatsoever: I may be fiddling with it, I may be keeping it in my pocket, it may be charging, it may be placidly sitting on a table undisturbed. Out of the blue, the Apple logo will show up and the thing will reboot, and won't ask for the PIN either. I hadn't thought much of it as it was very rare, but lately it's become more apparent and I decided to look for some logs.
To my horror, I found that ~/Library/Logs/CrashReporter/MobileDevice/Jolliphone/Panics on my Mac was way overpopulated. The weirdest thing is that all the logs look virtually the same, although they all end abruptly in different points (which suggests that they were so brutal that there was no "time" to write the whole thing down.)
Here is an example:
Incident Identifier: [...]
CrashReporter Key:   [...]
Hardware Model:      iPhone3,1
Date/Time:       2011-05-28 10:20:51.833 +0200
OS Version:      iPhone OS 4.3.3 (8J2)
panic(cpu 0 caller 0x8007f3e5): "buf_brelse: bad buffer = 0xd0705fc8\n"@/SourceCache/xnu/xnu-1735.46/bsd/vfs/vfs_bio.c:2348
Debugger message: panic
OS version: 8J2
Kernel version: Darwin Kernel Version 11.0.0: Wed Mar 30 18:51:10 PDT 2011; root:xnu-1735.46~10/RELEASE_ARM_S5L8930X
iBoot version: iBoot-1072.61
secure boot?: YES
Paniclog version: 1
Epoch Time:        sec       usec
Boot    : 0x4de0afb5 0x00000000
Sleep   : 0x00000000 0x00000000
Wake    : 0x00000000 0x00000000
Calendar: 0x4de0b02c 0x0007b411
Task 0x812e7c60: 10957 pages, 100 threads: pid 0: kernel_task
Task 0x812e7a50: 187 pages, 3 threads: pid 1: launchd
Task 0x812e7210: 152 pages, 2 threads: pid 13: usbethernetshari
Task 0x812e7000: 134 pages, 4 threads: pid 14: syslogd
Task 0x839be840: 543 pages, 2 threads: pid 17: lockdownd
Task 0x839be420: 1068 pages, 23 threads: pid 19: mediaserverd
Task 0x839be210: 383 pages, 3 threads: pid 20: mediaremoted
Task 0x839be000: 342 pages, 3 threads: pid 21: mDNSResponder
Task 0x83ad2c60: 1593 pages, 12 threads: pid 22: locationd
Task 0x83ad2a50: 588 pages, 4 threads: pid 23: imagent
Task 0x83ad2840: 586 pages, 1 threads: pid 24: fairplayd.N90
Task 0x83ad2630: 764 pages, 15 threads: pid 25: configd
Task 0x83ad2420: 407 pages, 4 threads: pid 26: awd_ice3
Task 0x83ad2210: 411 pages, 3 threads: pid 27: apsd
Task 0x83ad2000: 225 pages, 2 threads: pid 28: accessoryd
Task 0x83b8ac60: 6689 pages, 18 threads: pid 29: SpringBoard
          thread 0xc0a780d0
                    kernel backtrace: d2663ac8
                      lr: 0x8006de75 fp: 0xd2663af4
                      lr: 0x8006e085 fp: 0xd2663b14
                      lr: 0x8006e19f fp: 0xd2663b1c
                      lr: 0x80015fed fp: 0xd2663b34
                      lr: 0x8007f3e5 fp: 0xd2663b74
                      lr: 0x8007fec5 fp: 0xd2663b8c
                      lr: 0x8007fedf fp: 0xd2663b94
                      lr: 0x800a256f fp: 0xd2663bd0
                      lr: 0x80132735 fp: 0xd2663bd8
                      lr: 0x80132cd3 fp: 0xd2663c00
                      lr: 0x80158d45 fp: 0xd2663c10
                      lr: 0x80156dab fp: 0xd2663ce0
                      lr: 0x8013393f fp: 0xd2663d08
                      lr: 0x8013399f fp: 0xd2663d18
They are all like that. The only thing that's different is the OS system, which ranges from 4.3 to 4.3.3, and the location that generated the panic:
panic(cpu 0 caller 0x8007f3e5): "buf_brelse: bad buffer = 0xd0704640\n"@/SourceCache/xnu/xnu-1735.46/bsd/vfs/vfs_bio.c:2348
panic(cpu 0 caller 0x8007f3e5): "buf_brelse: bad buffer = 0xd070aa98\n"@/SourceCache/xnu/xnu-1735.46/bsd/vfs/vfs_bio.c:2348
panic(cpu 0 caller 0x8007f3e5): "buf_brelse: bad buffer = 0xd06fdf88\n"@/SourceCache/xnu/xnu-1735.46/bsd/vfs/vfs_bio.c:2348
…and so on. The caller is always 0x8007f3e5, and the buffer location is always in 0x0d6…–0x0d7… range. This is what leads me to think that it may be some memory problem.
As I said there is absolutely no pattern in this. Sometimes it will stay a month without panicking – after a few panics on April 1st, it happened again on May 2nd – yet in other occasions it will panic 4 times within 8 minutes as it happened yesterday morning.
Lately it's been happening more often when I charge it using the wall adapter, but then again it's fairly inconsistent: I have kept it connected since last evening on purpose, and it hasn't panicked once.
I have tried restoring it as a new phone, just to make sure that it wasn't a software problem, and the very same thing happened as soon as I connected to my father's iPad 2 adapter.
If you have read so far, I want to thank you very much for your patience. I'll get to the point: what should I do?
I spent 35 minutes on the phone with AppleCare this morning and was about to give the green light to have it picked up, but the woman told me that I couldn't provide the logs to tech support, and that they'd run some tests on their own and, if they could reproduce the problem, I would get a refurbished phone in place of this one, otherwise they'd send the same unit back. Considering that it's impossible to reproduce it on purpose, I'm afraid that I will just end up being phoneless for two weeks (with the added issue of finding a way to stick this micro-sim into a phone that takes regular-sized sims), and ultimately be sent back the faulty phone.
I told the woman I'd consider going to the Apple Store in Rome, so I could at least speak with a human person and expose the problem in more detail. I do have a repair ID and apparently I can just book a slot at the genius bar and have them access the repair ID data.
The problem is that I live 200 km from Rome, and it would take the better part of a day and it would be more money spent on this issue to get there and back. And I wouldn't even be certain that they'd replace it: even if they agree to replace it, what if they're out of stock on 32 GB units, for instance?
So here is the dilemma: I have a phone that feels very unstable given the 18 (eighteen) panics I've had in the last three days, and I'm facing either wasting time and money to go to an Apple Store, or being without the phone for the better part of two weeks, again without any certainty.
Going to my carrier (Vodafone) is pointless: they referred me to Apple; at most they will ship it for me, but at that point I'd rather do it myself.
As for the local Apple Premium Reseller, they are an authorized support center for Macs, but they don't offer any support for iPhones at all.
What would you do?
Thanks.

DaVBMan wrote:
Not saying you are complaining, I know it isn't what one likes, but just the way it is and quite normal.
You can buy a used one from somewhere and just continue on your same contract (if same type of phone, eg: You didn't have original one before and go buy a used 3G now..then you need to change plans). But if you had 3G before and buy a used 3G now, you can activate it and your contract shouldn't restart.
A used one you buy shouldn't have a SIM card in it but even if it does, you don't want to use it. You need to go to AT&T store and request a new SIM. They will give you one set for your account and you just go home and activate using same account (thus no contract changing). If you try to use another SIM without getting one from AT&T it could mess with your contract so best to deal with them first to get one coded for you. There is nothing wrong with buying a used iPhone and saying you want to put it on your existing account. You can do that with any phone. You already have the data plan etc required so they don't care.
That was useful info, and I'm not complaining (well, I am, but it does no good, so it's a rhetorical complaint)...
What I'm really looking for is opinions about what would be the most sensible/cost effective way to go right now, given the available options.
Thanks,
Lorraine

What would you buy if you would you have to return...

2 days ago my N97 stopped working, I had to turned off for some reason, and when I turned it on the screen was frozen. (Nokia logo)
I was so afraid of sending my phone out for repair, with the possibility of getting a new N97 and lose all my apps from the OVI store + all the information that I have on my phone. lucky me, after attemping 10 more times, my phone worked.
It came through my mind the possibility of getting a new phone, but wich one?, Iphone, HTC, Omnia, Android phone? Lets face it, there is no phone in the market with all the capabilities than the N97 has. No phone gets even closer:
- Memory capacity
- FM transmiter
- Widgets
- FM Radio
- Great resolution when you watch movies
- 5MP camera
- REAL MULTITASK phone ( over 8 apps open and no issues at all )
- etc
This morning I updated my phone to the new firmware (2.0XXX), IMHO I would say the firmware is not a mayor improvement, still some bugs to be fixed but, it runs a bit faster. C memory still the same and some other stuff that we all know the phone still has. So, What would you buy, if you have to return your N97?
For me, maybe I will switch to Android OS when my N97 gets obsolete.

Anything new with WINmo 6.5 or some of the new Android phones coming out:
- Memory capacity - N97 has NO MEMORY, the MINI has double the RAM. Think about that!
- FM transmiter - Works at a range of 2 feet - a cable would be better anyway into the car stereo
- Widgets - are you kidding me?????
- FM Radio - yeah sure that is good, but whatever
- Great resolution when you watch movies - no h264 on the n97 mate, sure most other phones do this fine, my HP Ipaq from 2001 plays more movies than the n97 (it has skype as well!!)
- 5MP camera - yeah until it is scratched
-REAL MULTITASK phone - WINmo can do it, Android can do it, even the pre can do it....
I feel hooped for getting the N97, everything is there, but nothing works as it should. Thankfully since this AM i dont have any out of memory errors, but I am sure they will return just when I don't need them to.
At this point anything is better - to be honest, I've had my eyes on the n900 - but unless Nokia fixes my n97, i wont throw them another dime so long as I live, nor will I allow the 30 people i have sent Nokias way to get another one.
Fix. My. Phone.
I love my purple screen, 1/2 day battery, sketchy touch screen and $800 price tag - I call it my Lumia 900

CS4 and consistent crashing...what would you advise?

Hi,
I have recently installed Windows 7 32 bit and have been suffering significant crashing and instability with Premiere Pro CS4.
These issues occur consistently with 1 to 20 minutes of using the software...usually every 2-7 minutes.
Sometimes I receive the message: "The system is running very low on system memory"...followed by a crash some minutes later.
Sometimes I don't receive a message at all...Premiere Pro just instantly stops....sometimes a message.."Premiere Pro has encountered an error."
I previously used Premiere Pro CS2 on this same computer but with a Windows XP install...this worked very well and was stable (SD editing not HD)
I have tried a range of "fixes" but the problem still continues...
it seems to crash no matter what footage I use..or what I am doing.
Fixes tried:
Defrag of all HD's
Placing Scratch disks etc. on different drives.
Turning off virus protection.
Tweaking of memory settings
Updating to latest graphics driver available.
Freeing up hard drive space
Running CS4 in Comptibility mode for Win XP Pro sp3
In summary Premiere Pro CS4 is very unstable on my system and I don't know what to do.
My current system is:
Premiere Pro CS 4 version 4.2.1
Microsoft Windows 7 Home Premium
Version    6.1.7600 Build 7600
System Model    P5K-E
Processor    Intel(R) Core(TM)2 Quad CPU    Q6600 @ 2.40GHz, 2394 Mhz, 4 Core(s), 4 Logical Processor(s)
Installed Physical Memory (RAM)    4.00 GB
Total Physical Memory    3.25 GB
Available Physical Memory    1.79 GB
Total Virtual Memory    6.50 GB
Graphics: NVIDIA 8800GT
Hard Drives: (all 7200 RPM)
Local Disk C: 1.81 TB (650GB Free)
Disk E: 698 GB (34.4 GB Free)
Disk F: 931 GB (41.5 GB free)
Options I can think of:
1.) Format drive C and install Windows 7 64 Bit..reinstall just Premiere Pro and key drivers.
2.) Upgrade to CS5 and give up on Cs4.
3.) Build another computer and give up on my old system.
4.) Format drive and return to Windows XP Professional
5.) Install Premiere Pro CS2 again and give up on CS4.
Any other clues?
What would you do?
Which of these options should I try?
Any advice greatly appreciated.

When one is having resource issues, I would look at these articles in about this order, to work through the potential issues.
First, I would make sure to have updated both the audio and video drivers from the mfgr's. Web site.
This ARTICLE gives tips on setting up one's computer for an editing session. For Win7, please see Black Viper's link, down-thread for tune-up tips.
Next, this ARTICLE gives some tips on Windows Virtual Memory.
This ARTICLE talks about one utility, that can really get in the way.
This ARTICLE, from the PrPro-Wiki, has some trouble-shooting tips.
This ARTICLE will give you tips on finding clues as to what is happening, when the program hangs, or crashes.
If one is still not getting to the bottom of the crashes, then see The Case of the Unexplained. Note: this is a new link, as MS moved some things about.
Last, if hardware problems are suspected, say with a BSOD, then this ARTICLE offers some tools to track hardware issues. There are other great tools in Harm's list.
Good luck,
Hunt

What would you advise....

Upgrade time is here and I have been lurking on this forum watching for issues etc with the N97
Firstly, would you advise against me getting the phone? If so, what would you advise I replace my N95 8gb with?
Secondly, assuming the geek in me wins the argument and I get the N97, I was thinking the first thing to do would be a hard reset to get rid of the unwanted software and then an upgrade to the V11 firmware. Is this correct?
Cheers in advance
PP

There is a lot of confusion about this unwanted software issue on the N97. There is essentially 3 types of storage on the device:
The most obvious is the 32Gig of flash.. this is treated a bit like a USB disk.. Nokia don't put much on there and in some cases installing certain applications to this drive is not possbile. Further to this, when you use the phone in USB storage mode, the "drive" is disconnected from the phone and attached to the PC.. this means the phone has to close any applications that are running on the "e:" and looses its ability to read/write from there. This is a serious problem if you store your message repository on the e: as the phone will revert back to C: and you *may* loose all your messages
Then there is the z:. This is the ROM. and it is just that.. read-only.. If an application is installed there, you won't be able to remove it.. this goes for Quick Office and that boingo thing.. both are terrible apps.. You won't gain anything by removing them BUT there's the problem.. The boingo app is running all the time using RAM in the phone.. Since you can't disable it, it uses RAM rather than storage..
Lastly there's the c:.. this is flash that is always available to the phone. It is where your contacts, message, config, internet/browser cache and most things are stored by default. A bit like c:\windows on a PC.. So, Nokia in their infinite wisdom made it 70meg or so.. Brilliant.. I cannot stress how mind-blowing stupid that decision is and how it continues to ruin everyone's lives.
Many applications are installed on the c: by default. Why? because the 32Gig e: is not always available (see above about USB storage mode). When I transfered all my messages from my previous handset (using the sync thing) I was left with less than 5meg free..
This problem is NEVER going to be fixed.. there simply isn't enough storage on the phone to do this..
This is not the same as the low RAM problem.. the fact that, for example, you receive a text message or email with a hyper-link. you click open.. the web browser opens.. the phone runs out of memory and closes the messages app.. so now when you close the browser, the message app is also closed.. **bleep**?!?!?!?!?!?!
Nokia never fix their products.. ever.. anyone who claims they do is lying! Ok, that's harsh.. but..
In my experience (and I've owned many first gen Nokia products (7110, 7650, 770, 7710, 5800, N97) when Nokia sell a broken product, particularly if it is broken by design, they may release firmware fixes that update SOME stuff.. but they'll never fix most of them.. Instead they'll wait a few months and release a new product that doesn't suffer the same problems..
You'd think the N97 was fixing the problems with the 5800.. but the N97 is a very different beast.. It runs a different not entirely compatible version of S60.. They must know it was flawed from the start, though.. they introduced a Low memory set of features into S60 especially for N97.. Riiiight, Nokia.. you spent time and effort developing a way to handle low memory that actually isn't that good rather than just doubling the RAM in the phone.. how much is a 1Gig dimm these days?
This phone is terribly beta.. Even after v11 has been released it has a truely inconsistent look and feel.. You could get an N97, or you could wait for this fabled n97-mini there's recently been talk of.. or you could opt for a vendor that is trying to compete with Nokia in the smart phone market and so is actually making an effort to produce a phone that doesn't make their quality-assurance department look like kinder-garten nap time..
I've been disappointed with Nokia products before.. but NEVER so much as with the N97.. And in todays market are you going to pick a poor product in the hope that software may fix it later (bearing in mind it took over 3 weeks for Nokia to release the v11 firmware to all the phone versions.. that's right there are 100s of different versions of the N97) or are you going to opt for something the industry already accepts as a stable handset..
It's a shame.. I want to love it.. I've loved Symbian since its EPOC days.. but this phone is terrible in every aspect..
Quick office and Boingo.. that's a bit like bundling AOL and compuserv CD's with windows 95.. It feels that old!

What would you prefer - SAP ERP or S/4 HANA?

Hello,
After the impressive keynote speech of the recent TechEd, it made wonder about how the customers of SAP would leverage the new S/4 HANA, if at all and it instigated a thought process.
Possibilities:
A. Keep our good old SAP ERP - Through the years, a company has been employing SAP ERP, with all its configurations done, customizing in place, trained talent pool, interfaces defined and up and running solutions. Migrating to a whole new solution would mean a lot of overhead of replacing all of that as well as increase TCO.
B. Switch to the amazing S/4 HANA - Simply means leveraging all the benefits S/4 HANA has to offer with lightening speed at comparatively low investment considering the returns. With the ease of development as well as configuration offered, the required workforce might reduce considerably, thus, lowering support costs. This would be like one time investment with long term returns.
Note: All of the above are my views to the best of my knowledge and everyone is entitled to their opinion, agreements or disagreement to the above. Let us just discuss about what everyone thinks about this, pros and cons about what SAP has to offer and propagate optimum utilization of innovation for years to come.
So what do you guys think?

Hi,
Thanks for sharing,that's good suggestion you give thanks for all of that kind suggestion!!!
Thanks and regards

What Would you like to see changed in FC?

Hello everybody,
just a little introduction, as announced flash catalyst would solve the problem of many designers to publish their work without one line of code, well, here begins a death foretold. At some point things to go well but then the problems begin a dependence to have a programmer on the left arm in addition to the program is rather limited. Flash is already incorporating the AS3 language, now wonder why launch a program with a new language, rather confusing, no? as a designer I do not want to worry about programming, but concentrate on the aesthetic aspect of my layout, which is why I found interesting the coming of the catalyst. it was all a lie, or say one more death will be announced shortly birth. but we believe that all this will change and enable designers to express their skills as designers and media .... without a single line of code. otherwise the flash is fine and the catalyst becomes an obsolete program. finally, each monkey on its branch and rethink that, besides confusing the catalyst does not become functional in the optical designer.
What would you like to see changed in Catalyst?
- Most states
- can apply Form Email etc
- better handling of text
- No dependence with programmers, or if it is not possible to incorporate code changes in the proper catalyst
more there, and hopefully remember me
I want to thank The Adobe team that created the opportunity to open new horizons to the class of designers, I still think that the catalyst has great potential ,.... but not the way it is.
Thank you for your attention
and say what they liked to see
cheers
Mike

Well the forms for sure. At least an email form. This really just needs to be there. Ultimatley I think there just needs to be some training right now if they want this product to get used the way they intended. I am sure I will have a ton more to add to this list as I dig deeper into my first live job using it.
Not sure on the AS3 thing, it has been out since 2006, although I may have just misread what you were saying.
A way to change the loading bar would definitly be nice now that I am thinking about it.

Photo/Video editing PC build; what would you change and why?

I'm in the planning phase of my first photo/video editing PC build. I've done quite a bit of research to this point, and I've finally come to a decision on all of the components (I think). After seeing how helpful everyone is on this forum, I decided to post my plan and see what everyone thinks.
Miscellaneous info: I am an amateur photographer looking to expand my horizons and venture into the video realm. I will be running Windows 7 64bit with Adobe CS5 Production Premium and Lightroom 3 on a singe solid state drive and everything else will be on a 3 drive RAID 0 config. Eventually I plan on purchasing a RAID card and a few more drives for a RAID 3 (or 5) config, but that won't be for a while.
Ok, here's my planned build...
Component
Description
Processor
Intel   Core i7 - 950 3.06GHz Quad-Core Processor
Motherboard
ASUS   P6X58D-E LGA 1366 Intel X58 ATX Intel Motherboard
Memory
Corsair   Dominator 12GB (6 x 2GB) DDR3 1600 (PC3 12800) Triple Channel Memory
System Drive
Crucial   RealSSD C300 2.5" 128GB SATA III MLC Internal Solid State Drive
Data Drive(s)
3 - Western   Digital Caviar Black 1TB 7200 RPM 64MB Cache SATA 6.0Gb/s 3.5" Internal   Hard Drive (Configured in RAID 0 for now)
Optical Drive
Pioneer   BDR-205BKS Blu-ray Burner
Video Card
EVGA   GeForce GTX 470 (Fermi) SuperClocked 1280MB 320-bit GDDR5 PCI Express 2.0 x16   HDCP Ready SLI Support Video Card
Power Supply
Corsair   HX Series CMPSU-850HX 850W ATX12V 2.3 / EPS12V 2.91 80 PLUS SILVER Certified   Modular Active PFC Power Supply
Case
LIAN   LI PC-A71F Black Aluminum ATX Full Tower Computer Case
Monitor
NEC   MultiSync PA271W-BK-SV 27" Widescreen LCD Monitor with SpectraViewII   Color Calibration Solution
So, what would you change and why?
I'm looking forward to your responses!

"I'll take your advice and go with Samsung F3s. With the money I save (by not getting the WD Caviar Blacks), I'll add a 4th drive and use the RAID5 on the mobo until I can afford to upgrade to a proper RAID controller."
I might be a bit late, but wanted to let you know about motherboard software RAID configs (at least mine):
I have an older system running an ASUS P5AD2-E Premium MB containing a Silicon Image 3114 RAID chip. I originally configured a RAID 10 array with four 74 G Raptors for speed and redundancy. Figured if I lost a disc, I could just rebuid the array. Come to find out, the Sil 3114 chip does not support rebuilding the RAID 10 array.
I had lost a disc (disc was okay, just power to the disc was interupted) so was running on three. Fixed my power problem, went to rebuild the array and couldn't. So I figured what is the point of having a RAID 10 that I couldn't rebuild. Went to a RAID 0 with a backup disk.
Never checked the documentation to see if software RAID 5 through the SIl 3114 was rebuildable.
Mind you, I am not a computer guru nor all knowledgable about software/harware based RAID configs. But after talking to others who are the guru's, I found that I should stay away from the motherboard software RAID arrays and they mirror what Harm said about hardware RAID boards. But on a budget, the RAID 0 with a backup drive works for me.
Just my 2 cents to help.
Tony

What would you do with this credit profile? I need your expertise.

Hello MyFico Community,
I am trying to build a decent credit profile. Is there anything I should be doing or not doing to improve my Credit Profile? Currently I have one foot in the Garden-LOL!For the last coupe monthsI have been receiving a lot of mailers, Citi, BoA, US Bank, AARP and a few others, so its sort of tempting.  My Fico Scores are:
760, 755 & 756. These scores are from my Discover, CapOne and Barclay statements. Goals scores are 800 across the board.   Reports:
All reports are clean, 100% on-time payments, nothing negative reporting. Inquiries:
I have 7, 6 and 8 inquiries showing on my reports.AAof Credit: Not sure about this Experian/Credit.com- 6.7 years. Credit Sesame says 1.8 months?   Accounts:The accounts with balances will be paid to $0 by June 26th.Account Name: Credit Limit: Balance:
Amex Everyday $10,000 $286
CapOne Venture $10,000 $1112CapOne QS $5000 $555CapOne Platinum $6800 $0   Aviator $4000 $0J.Crew $4000 $0SportsmanGuide $2500 $0
Discover $2000 $0
Target $200 $0
Wells Fargo $1700 $0  I've begun using QS and Amex (0%APR) as main go-to cards.
Was also thinking i’d put everything I can on cards and PIF each month to take advantage of the 0% and rewards.
Is this a good plan? I'm still learning how to best utilize my portfolio. Are there other cards I should look at acquiring?  I appreciate any input.

Re: What would you do with this credit profile? I need your expertise.
Options06-15-2015 05:49 AM - edited 06-15-2015 06:03 AM
What I'd do doesn't really matter. These are not one-size-fits-all matters so each needs to determine his/her own strategy and tactics based on the individual's situation, goals, priorities, preferences, etc. IMO you don't know what to do because you're not clear on these matters. Very True, I am not clear but with the help of the community giving me things to consider I am getting there.
You need to define what you needs/want and then prioritize that list. That will give you a list of critiera that you then use to select cards that suit you. Thanks. Good way to focus my thinking about it.
Rewards is a common criteria and if rewards matter to you then you need to look at your spend and where your money is going to select rewards with the most benefit to you. Since i’m going to be using a main CC, I’d rather have cash rewards first or rewards that are versatile for gift cards. I already have a travel card that works well for me so thats not that important.
RandomSpirit wrote:
AAof Credit: Not sure about this Experian/Credit.com- 6.7 years. Credit Sesame says 1.8 months? Thanks. Was wondering where they figured this. AAoA is just an average like any other average. Add up the ages of the accounts and divide by the number of accounts. Many find it easier to convert into months, calculate and then convert back into years. You can use Excel and its date formulas if you don't want to do this manually. There are also online AAoA calculators. Experian is more likely to be correct. CS is probably providing AAoOA.
RandomSpirit wrote:
Was also thinking i’d put everything I can on cards and PIF each month to take advantage of the 0% and rewards. Is this a good plan? You're really not leveraging a 0% offer if you're PIF'ing each month. However, if you're not PIF'ing each month on cards without 0% offers then you're killing rewards.Okay this is confusing, would you mind clarifying? The Amex and QS have 0% interest for well into next year (not sure of exact date, I will look up again) so it would seem that it would not matter if i carry balance or pay in full until the real APR begins next year.
So whats the best way to utilize these as my main cards to get as much cash back(QS) and MR point as possible. Carry balance or pif, or does it not matter in this case for now?
RandomSpirit wrote:
Are there other cards I should look at acquiring?  As with all other request you need to tell us what you need/want so we have something to use to narrow down the options for you.
Now, I am leaning towards low interest being the most important to me, secondly would be cash back.
RandomSpirit wrote:
Was thinking about BoA Cash Rewards offer for 12.99 because of the lower interest rateHere's an example of why a prioritized list of criteria matters. If the lowest possible interest is a priority above all else then you shouldn't be looking at rewards cards as they typically come with higher interest rates. If you want the lowest possible APR you need to fins a barebones card. They're offered with rates as low as 6.x% depending on what you qualify for. This is most important to me
That said, rewards and a low APR aren't mutually exclusive but typically rewards cards will come with a higher APR as you aren't getting something for nothing. While I do try to get my APR's as low as possible you might want to consider why APR is a concern if you're paying in full. In case I ever have to carry a real balance.Not telling you what to do here but consdier such things when prioritizing your list. For example: is a lower APR more important than the biggest rewards for your spend?
RandomSpirit wrote:
Citi Dble Cash and, perhaps
Chase Freedom for sign-up bonus?
Honestly, I was thinking to have a more diversified portfolio. I don;t have any Chase or City cards.So far we have:
• 1 Low APR
• 2-High rewards rate on non-category spend (Double Cash)
• 4-Sign up bonus
• 3-Diversity
Which is most important? Which is least? Where do the rest fall? We can't tell you this. You need to tell us.
Again, I'd recommend looking at your spend and ensuring that your card lineup maxmizes rewards on your spend. The Double Cash is a good option for non category spend but if you haven't found higher rewards for a major spend category that you have then you might want to look into finding something for that category. Thanks for taking the time to offer your suggestions Tekeshi74. If gives me a lot consider.

If you traded in your mac mini for a windows pc, what would you get?

I have a late 2009 Mac Mini and am just chafing to upgrade. It's slow as molasses. But at the same time, I'm not willing to pay full price for 2012 model, and Apple is way behind in releasing an update. In fact I'm hearing speculation that Apple may be just discontinuing the Mac Mini.
I don't know... But I'm getting tired of waiting. And getting a different model of Mac doens't work for me, because I want to use my own screens. (I'm running two large screens in "portrait" mode.)
Also, I have a Windows 7 PC at work, and I've come to realize that I don't mind Windows 7 and don't see it as intrinsically better than the Apple OS. In fact Windows & has generally been mariginally more stable, and a lot faster then the OS on my Mac. In fact I got both systems around the same time and the Windows 7 system did better with less RAM and is "aging" better.
HOWEVER, what I really love about the Mac Mini is how QUIET it is. I have it in my bedroom, next to my bed, and it's noise is barely noticeable. So I guess I should look into seeing if there area any desktop PC's that are as quiet.
Have you considered switching back to a PC, and if you did what would you get?

I moved away from Apple in 2007 and have never looked back !
I use the ASRock Vision X 420D http://www.asrock.com/nettop/Intel/VisionX%20Series%20(Haswell)/
Its the same size as the current Mini but a bit taller - BUT it is FULLY user upgradeable and about the same price once you make a mini upto the same spec.
I run Windows 8.1 on it and love it - yes there are lots of people bleating on about the 'metro' style of Win 8 but if you configure it (which has been a feature from launch, not a 3rd party hack) you never have to see the metro interface and you have a standard desktop.
As to woodmeister50 comment of : Also, with Win8, many third party add on companies have dropped support etc. is that not the same for Mavericks ?!
Custom mini
ASRock Vision X 420D, 16Gb Ram, 3x 512Gb SSD, AMD Radeon R270X, WiFi (n, ac)

One Accesspoint and two server...what would you suggest?

Hello!
I'm developing an application which handles two wireless barcodereaders. There are two computers, and one of them is connected with the accesspoint.
The communication to and from the accesspoint is managed with an COM Component, which is used from Java.
The barcodescanners should interact with my application , for excample if the salesman scanns a customer-ticket, the customers data should be displayed on the screen. The barcodereaders can be identified with an uniqu id, so it's no problem to know where the data came from.
But my problem is...I'm getting all of the events to the computer which is connected with the accesspoint....
How do I tell the other computer to display the customers data which have been scanned with the other barcodereader?
How can I get the event handled on the other computer???
Sockets would be a possible way, but I think that might get very complex - than i thought i could call with RMI a fireEvent Method on the 2nd computer...!?!
What would you do to solve this problem?
I'd be happy for your help!
Greetings Martin G.

Nobody out there who knows how to solve this problem?
My main problem is how to get events which occure on on computer handled on the other computer!?!
I'd be very happy for your help
Greetings Martin G.

What would you replace an ATI Radeon 9800 Pro (256MB) with?

Hi,
I started a thread before asking whether I could replace a 256MB card with a 128MB card, even though the interface was a different shape.
But, as I know so little about Macs and graphics card, it seems wiser to ask
What would you replace an ATI Radeon 9800 Pro (256MB) with?
The computer is user for photo editing and normal internet/email use. The photo editing is done on Adobe Photoshop for professional treatment of photographs.
The computer is a Power Mac G5 (1.6GHz) and budge is £80 / $120.
Thanks in advance, Franc.

Hi-
Please check my recommendations in your other thread.
Better options for the 9800 Pro are the Radeon 9800 XT, Geforce 6800 GT, Geforce 6800 Ultra, or if one has the money or finds a good deal, a Radeon X800 XT.
For your budget and uses, the Geforce cards are a performance value buy.
BTW, I have owned all of the cards, used all of the cards, and tested all of the cards.
Graphics Cards- ATI and Nvidia
See my testing pages starting here:
Page 1: Open GL

What would you do? Thinking about refinancing car loan. Credit not yet optimized.

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