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Use Credit Cards Responsibly and Increase Credit Score

The last time I checked my credit score was last June and it was 699, largely due to the more than $50,000 0% balance transfers I put on four cards. At that time, I used FICO’s Score Simulator to estimate what my score will be if I pay off all the balances by the end of 2006 when all the BT offers expire. The simulator told me my score will be between 750 and 770.

fico6.jpgOut of curiosity, I bought my FICO score from Equifax yesterday, though I won’t be shopping for a loan any time soon, nor do I have zero BT balance (one I got from Discover expires in June). I want to see what carrying 30+% balance to the total credit limits could really do to my score and whether my recent Citi PremierPass application has any negative impact.

Not perfect, but I consider it very good (and the simulator seems to be quite accurate). With this score, FICO says I have a delinquency rate of 2% (meaning a very low risk of of missing payments or defaulting on a loan) and I could possibly get the most favorable rate for scores in the 760 to 850 range. The summary of my credit cards looks like this:

  • Total number of accounts: 39
  • Number of credit cards in good standing: 18
  • Number of accounts that are negative: 0
  • Number of accounts with balances: 4
  • Total credit limits: $191,850
  • Balance to credit limits ratio: 7%
  • Oldest account still active: 1998
  • Newest account: 2007

The credit report cited the following positive factors:

  • No late payments reported on your credit accounts
  • A low proportion of balances to credit limits on your revolving accounts:
  • A relatively long credit history: nearly 10 years
  • Few recently opened accounts

And there’s only one negative factors:

  • The time since the most recent account opening is very recent

which refers to the Discover card I applied last June (the Citi PremierPass didn’t show up yet). Even though I have so many cards, only four of them are active, making managing the payments a lot easier. The four cards that carry balances are: Citi UPromise, MBNA Fidelity 529 Reward, AMEX Costco TrueEarning, and Discover Miles (0% BT). Except the Fidelity and Costco cards, most cards I opened in recent years are for 0% BT only and I never used them for purchases.

  • Citi UPromise (which is now Bank of America UPromise): The card is linked to UPromise 529 program and earns me 1% cashback on every purchase (higher rate for some other qualified purchases). This card has earned me $317 since 2004. The cashbacks are invested in UPromise 529 account managed by Vanguard.
  • MBNA Fidelity 529 Reward: My everyday card earns me 2% cashbak on every purchase and is linked to Fidelity UNIQUE college savings plan. Too bad the card has recently been replaced by an AMEX card which pays 1.5% back. Since early 2005, I have earned $134 cashback.
  • AMEX Costco TrueEarning: I only use this card to shop at Costco and with my Executive membership, I can get 3% cashback from all the purchases made at Costco.

Once in a while, I used Chase Amazon card to make purchases on; otherwise Citi UPromise is the only card I use for online shopping, despite the $13K limit.

There are lots of talks recently on the use (or not use) of credit cards and some professional writers suggest getting ride of credit card as one of the debt reduction techniques.

Sure, if one’s already in credit card debt (not those 0% BT though), there’s no reason to keep using the card. But, personally, I have hard time drawing any connection between debts and credit card usage. I am not a fan of debit card and never used one. And whenever possible, I use my credit cards to charge purchase, even if it’s only a few bucks. Why would I be necessarily in trouble by using credit cards if I pay whatever balance in full every month and make sure the payments hit the cards before the deadline? It all comes to responsibility. Be responsible for what I buy with the cards and be responsible for how I pay the cards, then I am not worry a bit of swiping the plastic. Sure, bad things could happen and I could be hit by somebody though I drive very carefully. That’s just life and I am not going to give up driving just because accidents could happen.

For me, I will keep using my credit cards for every purchase I make, collecting cashbacks no matter how tiny they are, paying off balances in full every month, applying for new cards to get a good deal, and playing the 0% balance transfer game whenever possible. And I am not worried about my credit score!

BTW, myFICO has quietly risen the charges on credit score from $14.95 last June to $15.95, the amount I paid for this purchase.

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11 Responses to “Use Credit Cards Responsibly and Increase Credit Score”

  1. moneymonk |  Feb 07, 2007 at 4:11 pm

    769 ! very good Sun. I think it’s almost impossible to have a perfect FICO score. Because it changing sometimes almost daily. Just by opening a new account or having a creditor pull your credit can sometime make a FICO score bounce down.

    To me above 725, anyone should get a good rate on a loan. CC’s are okay to use, but as you said use them responsible!

  2. The Digerati Life |  Feb 08, 2007 at 3:01 am

    Wow! you’re in really good shape! :) You really got your finances going gangbusters here. I also have a Upromise 529 which I am very happy with. My husband and I both have cards so we double the rewards. The account has grown very well and the best things is how automated it is! I can’t recall my credit score now but I think it’s also in the 700′s…. Great post!

  3. The Sun |  Feb 08, 2007 at 12:56 pm

    A perfect score certainly looks nice, but when it comes rates that based on the credit score, it will make no difference at certain level. That being said, I still like to see my score goes above 800. That would be cool!

    I used to use UPromise card a lot until I got the Fidelity card which pays more cashback than the UPromise card. But whenever I shop online, I check the online shopping at Upromise first see if I can find the retailer on their list. That could give me both the rewards from the card and from shopping through Upromise. It’s always good to see the rewards add up and get automatically invested.

  4. Jonathan C |  Mar 22, 2007 at 11:36 am

    For you and me, the issue isn’t about whether we carry a credit card balance. That is simply a no-brainer. What interests me is how my spending habits *do* change when I (or my wife) use credit. We spend more. Not so much as to get into debt, it just makes it more difficult to meet our savings goals.

    Thus, even despite all the cash-back rewards (2%, 5%, whatever), I find that we do better financially using cash only. Of course, I take out the occasional 0% balance transfer offer to make some interest income on the side… :)

  5. The Sun |  Mar 22, 2007 at 11:36 pm

    Jonathan: While I agree that the easy access of credit cards makes impulse shopping a lot easier, I don’t have any comparison myself between shopping with cards and with cash since I almost charge everything with cards. It’s true that we spent money on stuff that we don’t use a lot, we try not to make our purchasing decision based on how easy we can pay the bill. I am interested in how you figured out you actually spent more when using credit cards.

  6. Rebecca |  May 03, 2007 at 11:25 am

    Sun: Very nice! Oh, how those banks and credit card providers hate you now. If everyone who uses a credit card learns to use it to his advantage the way you do, all those cash backs, and no annual fees, and low APRs that a Citi MasterCard or Chase business card or whatever offers would surely vanish. But while “big spenders” are still out there, then those benefits are staying.

    Jonathan: I guess we tend to spend more when using credit cards because we temporarily forget the value of real money, simply because it’s not there and what we’re seeing is plastic. We forget that $100 is equivalent to x number of hours of work. With a card it’s just one swipe.


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Updated Gmail app with material design coming soon in Play Store

By | November 4, 2014

The tech giant has now officially announced the updated version of Gmail app for  its Android Operating system user’s. According to some of the latest news and reports, which claims that the search giant Google has launches, the new version of Gmail will reach Play Store over the next few days. The upcoming updated Gmail app will offers the Material design which has many new and important features and that makes the app more useful and handy.

The company has also made the already-revealed changes official like the design revamp of Gmail app as per material design guidelines as well as   it also able to support for third-party email accounts. In the Google blog post, they doesn’t mention about the Exchange support, it was seen in the leaked APK, so it will probably  a chance to be present in the updated version of the Gmail app for the Android Smartphone users.

The reports claims that Google has stated that new version of Gmail app will work with all Android devices  which are running on the Android 4.0 or above variant.

Various changes in Updated Gmail app:

  • The updated app is able to support the Modern style, sleeker transitions, and a few other handy improvements
  • Reply button at the bottom of every message is now available
  • Easier to switch between accounts and the different inbox categories
  • Supports all email providers

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Football in Brief

Ronaldo ruled out for nine months

Ronaldo ruptured a tendon in his left knee during AC Milan’s 1-1 draw at home to Livorno last night and will miss the Champions League tie with Arsenal next week. Initial reports suggested that he faces at least nine months on the sidelines.

The forward was carried off in tears after picking up the injury only minutes after entering the fray as a second-half substitute. Milan, the holders, are already struggling to get Alexandre Pato and Kak? fit for the first leg of the first knockout round tie at the Emirates Stadium.

Birmingham step up search for new talent

Birmingham City are to restructure their scouting network, with Paul Montgomery, who has been reunited with Alex McLeish, the manager,…

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Injury to Zamora caps sorry night for Brighton

Sheffield United 2 Brighton & Hove Alb 1

SHEFFIELD UNITED moved up to third place in the Nationwide League first division and Brighton & Hove Albion moved down to second from bottom, but although most of the table separates these teams, it was much closer at Bramall Lane last night.

A free kick from Michael Brown, his seventeenth goal of the season in all competitions, proved the difference after Richard Carpenter had equalised Dean Windass’s early effort. “On nights like that, you’ve just got to get the result,” Neil Warnock, the United manager, said. “We didn’t play well, but we worked our socks off to make sure we won. Brighton contributed to our not playing well and will probably feel they were unlucky.”

They did, but even more lasting than any sense of…

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Stats of the week

The Confederation of British Industry predicted on Monday that interest rates would hit 2.75% by the end of 2012, almost a sixfold rise from their current levels. The increase would add £200 a month to the cost of a £150,000 mortgage and would leave 3m homeowners with unaffordable mortgages.

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The whiff of sex and victory

Officially, and off the pitch, the French and the English were going out of their way to be polite yesterday.

The French ambassador to London talked on the airwaves about 'le fairplay anglais'. In return, the British ambassador to Paris spoke for what must have been minutes without mentioning Agincourt or Crécy.

So it fell to Frederick Forsyth, the author, to put the whole game into its traditional context. "There's nothing like a good Anglo-French clash," he said. "Think Waterloo."

For some it is a struggle that echoes through history. For others it is a chance to enjoy a parade of men whose shirts are as tight as their buttocks. "The rugby team are the best sex symbols in sport today," said Barbara Windsor, the…

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Warrior woman

When she’s not doing battle with cancer, the poet and playwright Julia Darling is fizzing with ideas — like a first-aid kit for the mind (with spells). Here’s her weblog

November 25, 2002 My (breast) cancer was diagnosed in 1995 and I’m quite used to it now. I think of it as an incompetent kind of disease, that sometimes manages to rally a weak drunken army and to attempt to make an attack somewhere in my body. However, most of the time it lies about in a dirty heap snoring. It recurred (The Battle of the Windpipe) in 2000 when a new tumour was found in my chest. However, thanks to a drug called Taxotere (from yew trees) it disappeared again. I think it’s also thanks to acupuncture which I’ve had for years. Earlier this year there was an uprising in my lower back (The Spinal Wars) which went on for a while, but is…

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Milwaukee M18 18vCordless Hammer Drill with 2 x 3Ah Batteries

This compact drill is a good all round tradies drill, whilst its not the most heavy duty drill Milwaukee do it punches well above its weight delivering a huge 60Nm of tourque.

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This drill has 60nm of torque along with a reverse feature for backing out fastenings or drill bits. A 13mm keyless steel chuck and a hammer mode for drilling masonry are also great features. A rubber hand grip for extra comfort and an LED light for lighting up those darker areas are also great features.

This kit comes with two 3 ah Red Lithium batteries and a fast charger all in a convenient robust carry case.

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The Trendy Sparrow: Chloe + Isabel Jewelry Favorites + Giveaway

Wednesday, June 17, 2015

Chloe + Isabel Jewelry Favorites + Giveaway

I'm so excited to share with you all my new favorite jewelry pieces from Chloe + Isabel! My girl, Mandi Altepeter is a merchandiser for Chloe + Isabel, and she recently showed me all of the super cute jewelry that Chloe + Isabel has to offer (and at reasonable prices).
Needless to say, I instantly fell in love with a couple of pieces!

I'm super excited to share with you my two favorite pieces from the Mandi and I have teamed up to offer you beauties a giveaway! More on this at the end of the post :)

My absolute favorite gems are these stackable rings. I'm in love with the feminine details of this stack and the jewel tones of the gems. Personally, I'm a sucker for stackable ring sets. I'm a big believer in shopping for items that you can get the most use out of, and stackable rings are a great example. Naturally, they can be worn together as a stack, but each ring can also be worn on it's down. It's a great away to get "bang for your buck" because you really get 4 rings (stack + 3 individual) for the price of one!
I love that the middle band has the extra stones on the band. So cute!
My other favorite item is this extremely simple and classic gem necklace. I love statement necklaces, but part of the reason I'm particularly drawn to this one is that you can wear it on it's own for a simple, classic look that still has that "wow factor", but you can also layer it with other statement necklaces since it is simple to really create a dramatic effect. For example, I would totally pair it with this necklace to create a bold statement.
Now the super duper fun part...the giveaway! Who doesn't love FREE stuff?!
My girl Mandi and I are giving one lucky follower the chance to win these amazing heirloom pearl earrings! Head on over to my Instagram to find out how to win!
I can't wait to get more from Chloe + Isabel! Mandi was so helpful throughout the whole process, and the items arrived in the CUTEST little packages! I know that both my items are going to go really well with my line of tshirts. I'm really wanting to add these earrings and this necklace to my collection!

For more ideas, check out my fashion and accessories Pinterest Boards.

Check out my Etsy Store, The Trendy Sparrow, for wedding paper goods and chic art prints & mugs.

Thanks for reading, dolls! Come back for more!

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Voters in Peru are casting ballots Sunday for a new president, in a tight race likely to generate a runoff election set for June 5th. Jon Decker reports.
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Ryan asks Jets fans to give Sanchez break

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Ryan asks Jets fans to give Sanchez break

Rex Ryan wasn't as colorful as Antonio Cromartie, who said it was "bullcrap" for fans to boo Mark Sanchez during Saturday night's scrimmage, but the New York Jets' coach wished they'd forgive and forget when it comes to the embattled quarterback.

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Press Association Sport learned over the weekend during the Singapore Grand Prix that a deal for Hamilton to stay with the team where he has spent the last 14 years is "85-90%" completed. The 27-year-old certainly appeared more at ease despite the heartbreaking result in which Hamilton was denied a near-certain victory by a gearbox issue.

Prior to that, in particular in Italy where Hamilton won from pole, the Briton barely celebrated either of his feats and his mood was noticeably sombre. And Ecclestone has noticed a difference in Hamilton as he told ESPN: "I don't think he knows what he will do."

Ecclestone added: "These last couple of races he has been doing very well. Before that, why he was upset I don't know, but he was definitely going to move no matter what.

"He had made his mind up he was going. Whether he has changed now I don't know."

Given the current economic climate, Hamilton was initially offered a pay cut of a third on his £10million-per-year deal, putting him on a par with team-mate Jenson Button.

That was understood to be McLaren's final offer, however, it has now been suggested the team have increased that by a further £2million.


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Weston to file complaint against CL&P

power linesTo the first selectman, it’s starting to feel like both Mother Nature and Connecticut Light and Power are picking on Weston.

The town found itself in an all-too-familiar situation last week: A powerful thunderstorm  blew through, downing trees and power lines, leaving many roads impassible and nearly 800 Weston customers without electricity — for way too long, said First Selectman Gayle Weinstein.

“I had a conversation with the state attorney general’s office this week about suing CL&P for gross negligence and discrimination,” First Selectman Gayle Weinstein said.

Attorney General George Jepsen told Ms. Weinstein that because CL&P is a regulated agency, a lawsuit would be very difficult if not impossible, she said. However, she is working with the assistant attorney general to file a formal complaint against the power company with the state Public Utilities Regulatory Authority (PURA).

Ms. Weinstein’s main complaint is that CL&P does not seem to be following the “make safe” protocols that were put in place after major extended power outages gripped the state following storms in August and October 2011.

Ms. Weinstein said while extended electrical outages are troublesome, her primary concern is addressing dangerous or potentially dangerous situations. “Make safe operations should always come first,” she said.

But that was not what happened last week, she said.

There was a wire on fire on Godfrey Road for four hours on the night of Sept. 18. Fire Department and road crews are not allowed to handle live wires until licensed utility workers first disconnect the power; Weston was told there were no crews available to do so, Ms. Weinstein said.

“That’s just unacceptable,” she said.

As early as 9 a.m. on Tuesday, Sept. 18, the National Weather Service issued a high wind advisory and hazardous weather outlook for Weston and all of Fairfield County.

By 4 p.m., that was upgraded to a tornado watch, as the storm was increasing in intensity as it moved northeast.

The first of the storm hit town at about 6 p.m. Ms. Weinstein said at that time, Weston Police Officer Joe Miceli contacted the town’s CL&P liaison and Ms. Weinstein spoke to the town’s account executive at CL&P. She was told then that only one crew was available and that it would probably not be in town until sometime between 8 and midnight.

Power started going out at about 8 p.m. By 9, 689 customers — 18% of CL&P customers in Weston — were without power.

The communications tower at the landfill on Godfrey Road East was also affected, Ms. Weinstein said, one of the most troublesome situations she encountered.

“That’s one of just two priority areas in town,” the other being the school and town hall complex, and even that wasn’t addressed in a timely manner, she said.

In addition, the storm brought heavy rains, almost like flash flooding. The water, combined with high winds that brought down tree branches and live power lines, closed portions of Old Redding Road, Goodhill Road up to Steep Hill Road and Godfrey Road West at Newtown Turnpike.

Ms. Weinstein said she was originally told power would be back on at Godfrey Road by midnight. Then, that changed to no crews available, then just one truck that could stay and try to restore power overnight.

At 6 a.m. on Wednesday, Ms. Weinstein learned there were still hundreds without power and about a dozen roads were still blocked because town crews couldn’t get to them due to live wires. There was even a wire across Norfield Road near town hall for most of Wednesday.

It turned out no utility workers had been in town between 4 and 9 a.m., she said. “It’s one thing if they are doing what they can, but there was no one even in town.”

While many parts of the state were affected by the storm, Weston had among the highest percentage — up to 20% or about 783 houses at 8 a.m. Wednesday — of customers without power during the storm. More than 18,000 customers statewide lost power.

But it is not so much the lack of power to houses that still troubles Ms. Weinstein; it’s the unsafe road conditions that could only be addressed by utility workers — and that weren’t.

Ms. Weinstein said she understands the frustration of residents and she wants to do what she can to try to get CL&P to improve its response to situations like these. That is why she is pursuing either suing or filing a formal complaint against the power company.

“As a first selectman, I can’t get the power back, but I do have a responsibility to the residents of this town… If I’m not going to stand up to [CL&P], who will?” she said.

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« Reporters Notebooks | Main | Minnesota »

August 24, 2009

Feed You can follow this conversation by subscribing to the comment feed for this post.

The NFL supports single game wagering on contests, as long as those contests are between dogs fighting to the death (or otherwise being killed just for the fun of it).

Also, people today greatly exaggerate the authority that Federal courts have, when they issue Opinions about the Law.

Those Opinions are not Laws themselves, nor are they Executive Orders: the Court has no power to make Law or to enforce it... people forget this, and therefore greatly exaggerate the authority of the Courts.

If Delaware thinks they are in compliance with the Federal "Professional And Amateur Sports Protection Act", by allowing single game wagers, then should just go ahead and do so, as they planned...

It becomes then a matter for the Department of Justice, and they then might stop by way of an Order from that Law enforcement body, the DOJ.

But the Courts have no such Executive authority, they have only their Opinions of the Law... and we know what opinions are like, they are like the three buttholes in Philadelphia, who wish to uphold Nevada's monopoly on sports wagering.

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New York Times Questions Incoming CEO Amid BBC Sex Scandal (Updated)

New York Times reporters interview the incoming CEO Mark Thompson amid a sex scandal  at the BBC, where he previously worked

The New York Times' top media reporters grilled Mark Thompson, the paper's incoming CEO, over his handling of a BBC news program's investigation of sexual misconduct by TV host Jimmy Savile.

Thompson, who previously headed the BBC and is scheduled to start work at the Times next month, has been accused by reporters at the BBC show "Newsnight" of killing an investigation by the program that revealed Savile, a children's TV host, cajoled teenage girls into having sex.

"There is nothing to suggest that I acted inappropriately in the handling of this matter," Thompson said Wednesday in an interview published Wednesday with media reporters Christine Haughney and David Carr. "I did not impede or stop the 'Newsnight' investigations, nor have I done anything else that could be construed as untoward or unreasonable."

An internal investigation by the BBC recently found that Savile had coerced the teens into having sex in what the Associated Press described as "dingy dressing rooms" at the BBC studios. Police say there could be as many as 200 victims.

"I had no reason to believe that his conduct was a pressing concern," Thompson told the Times. "Had I known about the nature of the allegations and the credible allegations that these horrific crimes had taken place during his time at the BBC and in the building at the BBC, I of course would have considered them very grave and would have acted very differently."

Also read: BBC Director-General Mark Thompson Stepping Down

The Times Company said in a statement to the Associated Press that the scandal had "obviously been a topic that we've discussed" but the newspaper was "satisfied" with Thompson's response to questions.

"Mark has done an excellent job of explaining the matter," Times spokesman Bob Christie said in the statement.

Thompson, one of several BBC executives coming under British government and public scrutiny, also defended himself in a letter to Conservative leader Rob Wilson, saying he never worked with or even met Savile. He also said he never heard the rumors about Savile's alleged transgressions.

"If I had, I would have raised them with senior colleagues and contacted the police," Thompson, 55, wrote in the letter released Tuesday. "I had no reason to believe that anyone in the BBC was withholding controversial or incriminating material."

"Newsnight" editor Peter Rippon recently stepped down as the BBC's internal investigation moved forward. The BBC, which had stood behind Rippon, said in a statement recently that his explanation for agreeing to kill the Savile story was incomplete and inaccurate.

In a statement last week, Thompson said he had "never heard any allegations or received any complaints" during his tenure as the director-general of the corporation, from 2004 to 2012.

On Tuesday, the Times' public editor Margaret Sullivan wrote that the paper needs to "aggressively cover" the scandal.

"His integrity and decision-making are bound to affect the Times and its journalism — profoundly," she wrote. "It's worth considering now whether he is the right person for the job, given this turn of events."

Updated at 5:15 p.m. PST with statements from the New York Times Company.


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Argumental - God Will Not Forgive Richard Dawkins

Improv Comedy Sketch debating whether or not god will forgive Richard Dawkins.

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Comment by Kris Potter on May 20, 2011 at 8:06pm
show takes a dive when the female comedian takes the stage. Never found one who has made me laugh :(
Comment by Heather Spoonheim on May 21, 2011 at 12:35am
Then you need to start listening and stop staring at the boobs.

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WINTER OLYMPICS LIVE: Men's four-man bobsleigh, day two

    John Jackson's GBR1 sled move up a place to sixth overall after a third run of 55.31 this morning
  • Jackson and co just 0.18 off third-placed USA 1 with an overall time of 2:45.84.
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SUPERMARKET giant Morrisons’ newest store opened its doors in Wroughton at a ribbon-cutting ceremony yesterday morning.

Plans to build the new Morrisons M Local store on the site of the former Three Tuns pub had caused concern among residents ever since the company first lodged an interest in converting the venue last summer.

Yet the end result was praised by villagers who appreciated the chain’s efforts to preserve some of the inn’s most historic features.

Jane Lane, a campaigner at the heart of the successful Kings Farm Wood appeal, was invited to cut the ribbon.

“I think it will blend into the community and add something to it,” she said. “The fact that it has kept a bit of its character is a big plus.”

The store has created 20 jobs in the village.

Parish council chairman Paul Hurst said: “The plans for a shop were upsetting for a few of the locals especially those overlooking it. There were highways issues and it still might be a problem. “But they listened to the parish council and put railings in and it has created some employment. They also kept some of the features of the public house which is good.”

Josh Davies, Morrisons M Local manager, said: “We are hoping to be a part of this tight-knit community. We went out last Tuesday to introduce ourselves to the community and people have been welcoming. The response from the village has been very positive.”


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Importantly, the range is orientated East – West so that when you’re hitting the ball in the afternoon the sun is behind you.  There is nothing worse than hitting into the sun on a hot day! All of our hitting bays are undercover and fully weather protected. 20 of our tees on the lower level are fully automated and have proven to be very popular. Our 15,000 square metres of landing area is synthetically turfed and fully contoured with raised target greens. The contouring ensures the majority of balls return automatically to our hopper room. We pride ourselves on maintaining our Fibrebuilt mats and range balls are in excellent condition.

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Tiecoon.com - Your USA based source to buy ties wholesale.

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Tiecoon.com is the leader in best uniform ties for work, school, or business!

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Will Asia Trade Deal Help a Struggling U.S. Economy?

April 27, 2014

President Obama is touring South East Asia to boost support for an extensive trade deal on which his current economic plan is heavily reliant. In order to create opportunity in the U.S. and more significantly participate in booming economies worldwide-most notably Asia-the White House is working to secure the Trans-Pacific Partnership (TPP), which would expand U.S. trade deals from the Pacific Rim to Latin America. Perhaps Obama’s biggest challenge will be to earn support needed to gain additional market access in Japan.

Last week, crucial meetings took place between Obama and Japanese Prime Minister Shinzo Abe when they reviewed the position of trade issues in regard to Japan’s heavily protected automotive and agricultural sectors. The United States wants Japan to open its agricultural market to U.S. competition. This was perhaps Obama’s largest negotiation obstacle given Japan is extremely protective of the country’s family owned and run rice and beef markets.

The other challenge in these talks is Democratic opposition to the TPP due to concerns that more new Japanese vehicles and low cost Asian goods from countries like Vietnam could negatively impact U.S. markets while allowing other countries to bypass and find new ways around U.S. regulations.

Another hurdle for the U.S. is convincing Asia what it might offer for mutual and equal benefit through the TPP. The White House needs to convince them that the trade deal can help sluggish economies such as Japan’s agricultural and car industry by opening up access to these sensitive and highly protected industries in their country.

“As the conventional wisdom goes, if Japan and the United States can sort out market access issues, agriculture, automobiles, then this massive trade deal can at last be concluded,” said Rep. Rosa DeLauro (D-Conn.), one of the pact’s leading opponents, as recently reported by The Hill.

Obama’s trip across Asia also includes Malaysia as well as South Korea and the Philippines. While Malaysia is already a part of the TPP, the latter two have indicated interest in one day joining the group.

It seems there is still much work to be done. According to the Wall Street Journal, Japan's economy minister, Akira Amari said, “none of the core outstanding issues in the talks have been resolved.”

Neil Satterwhite
Founder & CEO, Tiger-Consulting

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Tiger-Consulting to Enterprise Clients: What Your Asia Employees Typically Expect in a Holiday Bonus & How Western Businesses Continue to Struggle to Retain Top Talent in the West Due to New Laws, Government Regulations That Curtail Bonuses in the U.S.

December 10, 2013

Tiger-Consulting, a boutique firm that helps enterprises to successfully expand into new markets particularly across Asia-Pacific, shared insights today regarding Asia holiday bonuses. Neil Satterwhite, founder and CEO of Tiger- Consulting says employee bonuses are different in Asia and global businesses should be aware of what’s typically expected in the East. He also addressed how U.S. corporations remain challenged to retain top talent in the U.S. given government restrictions that continue to curtail bonus packages in the West.

“As always, a hot topic this time of year is the annual bonus. That’s universal worldwide but expectations differ in Asia, so we want to take a moment to address for clients and other businesses that either have or want to have teams and offices in the region what is typically awarded to employees here,” said Tiger-Consulting Founder & CEO, Neil Satterwhite.

The consultancy, which supports with cost-effective HR, Payroll and PEO services 175+ enterprise clients-many household names-spanning industries including IT, telecom, finance, social networking, travel, hospitality, recruitment, Gas & Oil and pharmaceuticals, contends that a ‘13th check’ is often a base-line year-end bonus. Its team of multilingual business professionals says that’s a standard practice and often a minimum expected by employees, if not legally mandated in some Asian countries.

“Asia remains attractive to high achievers as the place that balances career growth and reward with quality lifestyle. While the real dragon-slayers in the U.S., Europe and Australia may be unimpressed with monetary bonuses offered in Asia, year-round incentives are diverse and rewarding,” said Satterwhite.

Ongoing benefits unique to the region often take the shape of housing allowance, club memberships and the opportunity for less-costly and exotic travel across Asia including plane tickets, upgrades and access to luxury resorts or villas. While he said these types of alternate bonus offerings are considered a priority in Asia, an incremental or commission-based bonus each January is a highlight of the New Year in Asia.

Meanwhile, in the West, Satterwhite says enterprises remain focused on recalibrating bonus structures, employee expectations and future compensation packages for new staff. Employers face economic challenges due to higher taxes and changes to healthcare in addition to other increases associated with doing business, which has led to regulatory bodies and government restrictions as well as caps and claw backs of bonus packages.

“Again this year, bonuses in the U.S., Europe and Australia remain markedly lower from a 30-90% decrease depending on the industry. Such significant bonus reductions-especially for the ‘dragon slayers’ that bring in the lion share of new business through often bold, aggressive strategies-is unfortunate because it is reducing the West’s ability to compete if they don’t expand to new markets,” said Satterwhite.

Satterwhite says that industry leading companies-ones that can really make a difference in job creation and economic growth-risk losing high-performing leaders in their field due to the increasing financial, political and regulatory pressure they face. As an American first, he says he takes pride in helping Western businesses to make up the difference in Asia and other key markets where the returns are often better and overhead lower, even with quality staff and incentives.

About Tiger-Consulting
Tiger-Consulting is committed to making expansion and management of Asian and UAE operations easier for international businesses. Tiger Consulting’s HR, Payroll, employment and business support services are managed by experienced teams on the ground in 16 countries: Australia, Cambodia, China, Hong Kong, India, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand, Vietnam, UAE and USA. Through strategic partners, the firm also supports clients in Europe, South America, and other key markets.

Media Contact: Mercy Mildener
T: +(66) 02-6846909

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93bb Tennessee lawmakers face gas tax increase proposal, eye cuts to other taxes as annual session starts | Times Free Press

Tennessee lawmakers face gas tax increase proposal, eye cuts to other taxes as annual session starts

Tennessee lawmakers face gas tax increase proposal, eye cuts to other taxes as annual session starts

January 8th, 2017 by Andy Sher in Politics State

Tennessee Governor Bill Haslam talks about education and his budget to the editorial board at the Times Free Press.

Photo by Tim Barber /Times Free Press.

NASHVILLE — Tennessee lawmakers will find themselves in an unusual situation during the 110th General Assembly that kicks off Tuesday.

Republican Gov. Bill Haslam is expected to ask the GOP-dominated House and Senate to raise gas and diesel taxes for the first time in 27 years to keep the state's roads, bridges and other transportation projects moving.

"I think everybody agrees we have to do something," Haslam said last week. "Now, the question is what."

At the same time, lawmakers are already skirmishing over how to cut taxes in other areas because of a whopping projected general fund surplus: nearly $1 billion in one-time money and about $845 million in recurring money.

The general fund pays for most state functions, from K-12 and higher education to prisons and health.

Other major issues include an expected push by Rep. JoAnne Favors, D-Chattanooga, for mandatory school-bus safety belts following the Woodmore Elementary bus crash that killed six Chattanooga children in November.

Favors said she is not ready to discuss details of the proposal yet. Rep. Gerald McCormick, R-Chattanooga, said he stands ready to join Favors in pressing the legislation.

New fights also loom in areas like Sunday wine and liquor sales, legalizing medical marijuana and a follow-through effort to last year's law allowing therapists and counselors to reject LGBT clients whose goals differ from counselors'.

This year, Sen. Jack Johnson, R-Franklin, wants to scrap the state's statutory inclusion of the American Counseling Association's code of ethics for one created at the state level.

And renewed battles are anticipated in areas like school vouchers and expansion of broadband internet access into underserved areas, as well as allowing voters to "de-annex" their property from towns and cities.

"I'm trying to work with [cities] to see if we can come up with something if we can," said Rep. Mike Carter, R-Ooltewa. He sponsored last year's de-annexation bill, which stalled last year amid municipal opposition.

But don't expect all the action to start Tuesday. That's the Legislature's organizational session.

House Speaker Beth Harwell, R-Nashville, is expected to be re-elected. Sen. Randy McNally, R-Oak Ridge, is expected to be elected Senate speaker in place of Ron Ramsey, R-Blountville, who retired.

Once that's done, lawmakers will recess until Jan. 30 for Haslam's State of the State address and the unveiling of his 2017-2018 state budget recommendations. Then they'll get down to work on Haslam's proposals as well as hundreds of bills filed by individual members.

"Certainly dealing with the budget is probably No. 1," McNally said.

Fuel tax votes will be 'close'

McNally said Haslam's to raise the state's 21.4 cent per gallon gas tax and 18.4 cent per gallon diesel tax won't be easy. The current rates include 1.4 cents per gallon to cover inspection fees.

He said keeping any rate increase low, equalizing rates for gas and diesel and making sure drivers of electric and natural-gas powered vehicles pay, too, could help.

"And," McNally added, "offsetting any tax increase with corresponding reductions" to other taxes.

Haslam has discused increases of seven to nine cents per gallon on gas and 12 cents a gallon diesel and increasing vehicle registration fees by $5, GOP legislators say. He emphasized the $1 billion in one-time money can't cover the state's transportation needs.

A Vanderbilt University poll last fall found 55 percent of registered voters surveyed would support an eight-cent gas tax increase. Among Republicans, though, just 48 percent said they could support it while 50 percent said they wouldn't.

Each penny of tax on gas raises about $30.7 million, and about $10.1 million on diesel. The Tennessee Journal estimates that of $803 million in estimated gas and diesel tax collections this year, about $285 million will go to local governments.

The state's transportation budget is $1.87 billion, including nearly $1 billion in federal funds and $33.7 million in other funding. Haslam has said there's a $6 billion backlog in approved but unfunded projects.

Meanwhile, the budget surpluses have lawmakers talking up tax cuts in areas ranging from the state's corporate 6.5 percent franchise and excise taxes to eliminating a $400 professional privilege tax that hits attorneys, doctors and other professionals. There's some talk about cutting state sales taxes.

Haslam noted last week that lawmakers already have voted to phase out the Hall income tax, which is shared with cities and counties. That's a loss of about $275 million.

Sen. Brian Kelsey, R-Germantown, wants to provide $500 million a year to local governments who will lose money from the phase-out of the Hall tax.

McNally, who for the past decade has served as Senate Finance Committee chairman, said legislators must be careful not to overcommit the state to cuts it cannot afford.

Tennessee sales taxes and corporate taxes grew more quickly than expected in two budget years, helping fuel the surplus, but sales tax growth rates are slowing, he said. Heavily sales tax-dependent Tennessee took a hard hit when the 2008-2009 recession struck.

It took years for sales taxes to recover.

"One of the concerns is that it's been about nine years since we've had a downturn in the economy," McNally noted. "Our first obligation is to make sure the budget is structurally balanced and also make sure it looks to the future as best we possibly can."

Contact Andy Sher at asher@timesfreepress.com or 615-255-0550. Follow on twitter @AndySher1.


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Disability trusts: facts and myths

It was great to hear the issue of disability trusts raised in a recent Bondiplus programme on TVM. The Labour Party has picked on this legal institute to promote one of its policy positions on the disabled.

A speaker representing the disability sector clearly had no idea what he was talking about
- Max Ganado

It is these kind of events that propel this important legal institute to a level of higher importance and better understanding. There are many misconceptions about trusts and to see one of our large political parties correctly identify a very positive feature of trusts can only be good.

Disability trusts are arrangements that set up an administrative mechanism over property to support people with a disability as beneficiaries.

This is done in relation to assets which their parents would have dedicated to their future maintenance and general care. Trustees are subject to strict legal obligations. They are given powerful tools to manage patrimonial interests of the disabled person and his or her wider family and cater for what happens after the beneficiary passes away. No institute in Maltese law can achieve the same outcomes as a trust in this context.

It is important to address some grave misstatements made during the said TV programme. Otherwise if we allow misconceptions to proliferate this will detract from the positive ideas being proposed and the general acceptance of the use of trusts in the disability sector.

A speaker representing the disability sector clearly had no idea what he was talking about. He read up on the subject and, of course, found a lot about trusts without knowing which parts are relevant to Malta and Maltese law, the ordinary use of trusts in everyday life and the use of trusts in the disability sector.

When one researches about trusts it is very important to make some fundamental choices. The offshore world has, to an extent, turned trusts into a product which has sometimes been used for illegitimate purposes such as tax evasion, hiding of assets and deprivation of rights of third parties. Some local websites market trusts commercially just like insurance policies and investment products. This kind of product is not suitable for the disability sector.

Then there are trusts in the ordinary legal systems of countries like England where they are used every day by people for ordinary reasons to achieve the patrimonial outcomes offered by what I consider an exceptional legal institute which has much to offer us. Looked at in this way one will find a different story.

Malta enacted an Offshore Trusts Act in 1988, and for a time it was an offshore law with a negative orientation. This only lasted as a policy direction until 1992 when the government changed tack. In 2000, the government took a very bold decision to phase out all that was offshore about the trusts law and introduce trusts holistically within our ordinary domestic civil law.

Through a 2004 law we made trusts part of our ordinary law and chose to follow the example of classical English law, not the modern product-oriented offshore laws that emphasised secrecy, tax exemption and discrimination on who can use them (only non-residents).

We enacted laws on taxation of trusts, amended laws on succession, on ownership and transfers and addressed things like security structures, notarial procedures and regulation of trustees by the Malta Financial Services Authority.

So when one is trying to learn about trusts in Malta it is important to avoid the mistake of looking at irrelevant and inapplicable material.

The use of trusts for the disability sector was a pillar of the project and one of the reasons in favour of the policy decision taken by then minister John Dalli and minister Austin Gatt, supported by then Attorney General Anthony Borg Barthet.

The legislative project of 2004 has several provisions addressing the disability trust. There are some provisions of our Civil Code which go into very minute detail on what happens when a family have a disabled child, wish to dedicate what they have to the care of that child and run into the problem of denying the rest of their children the reserved portion under the law of succession.

The law also sought to define what disability meant in the context of a trust. One naturally looks forward to more effort in enhancing the existing provisions with more detail and solutions, now that the provisions have operated for over eight years.

Things can always be better and one hopes this is what the Labour Party will seek to do rather than attempt to start from scratch again.

The same representative of the disability sector said that the trustee takes 30 per cent of the income of the trust, 35 per cent goes to tax and the beneficiary is left with a small percentage of his entitlement. This is a ridiculous statement.

If trustees charge at all, charges are a small percentage and there are many different ways in which trustees charge, but under no scenario are fees ever 30 per cent. If any trustee tried to charge so much that the beneficiary would lose his intended benefit, then he should be reported to the MFSA and sued for misappropriation.

My experience with disability trusts is that charges are very carefully managed to protect the disabled beneficiary. Often no or very little charges not exceeding a couple of hundred euros are expected.

On this very score, Maltese law was drafted to allow private trustees to be the trustees of trusts where the settlor chooses a member of his family or a close friend of more than 10 years’ acquaintance. These trustees cannot even charge fees under our law. They are usually brothers, sisters or uncles or aunts.

Private trustees must use notaries for record keeping, and these professionals may charge some fees, but again my experience is that notaries charge very sensitively when the trust is a disability trust.

So Maltese law makes sure there are options to any parent wanting to create a disability trust so as not to incur unnecessary charges which, however small they are, reduce what is available.

Of course, choosing family members, usually other children who are siblings of the disabled child, does create its own complexity due to potential conflicts of interest. Siblings are, however, usually very dedicated to the disabled child and put the disabled person’s interests before their own, even when dealing with an inheritance.

I look forward to the continuing evolution and implementation of ideas on disability trusts under Maltese law.

See our Comments Policy Comments are submitted under the express understanding and condition that the editor may, and is authorised to, disclose any/all of the above personal information to any person or entity requesting the information for the purposes of legal action on grounds that such person or entity is aggrieved by any comment so submitted. Please allow some time for your comment to be moderated.

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If I were a supporter of President Donald Trump, I would be enraged at what is happening and not at the response by the Democrats to the election, rather the absence of any movement of change from the Republican majority in Congress. Even executive orders seem to be paper tigers.

Why is this phenomenon happening? Republicans can't realistically blame Democrats because the right is in the ruling majority. They can't blame the press. They're just doing their job, and Trump makes it easy for them through constant use of false statements, failure to release possible incriminating information and his extreme erratic behavior. One has to conclude they simply do not know what to do. Washington knows Trump is neither liked nor wanted compounded by the dilemma that Vice President Mike Pence is liked or wanted even less. And House Speaker Paul Ryan? Forget about it.

What happened in November was an irrational moment in time when our country, through the Electoral College, wished for something different and now they have it.

Things are probably going to get worse before they get better. But that light at the end of the tunnel could be the 2018 congressional elections. Let's replace "lock her up" with "vote them out."

No one could sum this up better than a comic strip from years back called Pogo when they said, "We have met the enemy and he is us."

Brian Burke Sr.


text:
 背1遍就想上考场大学英语考研单词 510 - 听力课堂
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背1遍就想上考场大学英语考研单词 510

[00:09]George Annas, chair of the health law department at Boston University,

[00:14]maintains that, as long as a doctor prescribes a drug

[00:18]for a legitimate medical purpose, the doctor has done nothing illegal

[00:23]even if the patient uses the drug to hasten death.

[00:33]Copyright rested with the journal, and researchers seeking knowledge

[00:39]of the results would have to subscribe to the journal.

[00:47]American uses the word "friend", the cultural implications of the word

[00:52]may be quite different from those it has in the visitor's language and culture.

[00:58]It takes more than a brief encounter on a bus to distinguish

[01:02]between courteous convention and individual interest.

[01:11]If good people do nothing, there is a real possibility that

[01:15]an uninformed citizenry will extinguish the precious embers of medical progress.

[01:25]As soon as Gandhi started his speech, his inner anguish started flowing.

[01:32]He asked how, when millions were not able to feed themselves even once in a day,

[01:38] could indulge in such excesses.

[01:50]The need of training is too evident;

[01:54]the pressure to accomplish a change in their attitude and habits

[01:58]is too urgent to leave these consequences wholly out of account.

[02:08]A: What does your father do?

[02:10]B: He is a surgeon.

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TMCnet - World's Largest Communications and Technology Community

Frost & Sullivan Names Qumu the Market Leader in Enterprise Video Webcasting Solutions
[January 15, 2014]

Frost & Sullivan Names Qumu the Market Leader in Enterprise Video Webcasting Solutions

SAN BRUNO, Calif. --(Business Wire)--

Qumu, the leading business video platform provider, announced today that it has been recognized by Frost and Sullivan as the market share leader in the Competitive Landscape for 2014 in their report on Global Enterprise Video Webcasting Solutions released this week.

The report analyzed 17 providers with enterprise video webcasting capability and scale, ranking each provider according to their functionality, product line strategy, pricing models, geographical footprint and M&A and partnership strategy.

According to Frost & Sullivan (News - Alert), Qumu is the market leader in the global enterprise video webcasting solutions market. The report states, "Qumu's extended product line with both on-premise and cloud solutions caters to a plethora of verticals." Additionally it mentions, "With BYOD exploding in enterprises, Qumu is positioned to leverage their cloud offerings, mobile streaming solutions and integration packages."

The Enterprise Video Webcasting Solutions report highlights other factors contributing to Qumu's leaderhip position such as its "unique control software for encoders and streaming servers" ensuring a strong base infrastructure for webcasting." Qumu was also recognized for their strong mobility solutions, robust analytics and new cloud offerings that will help them compete in the SMB market.

"It is a privilege to be recognized by Frost & Sullivan in their Enterprise Video Webcasting Solutions report," said Vern Hanzlik, Senior Vice President and General Manager of Qumu. "It is our belief that Qumu's position as the market leader in Enterprise Video Webcasting reflects our dedication to innovation and continuous development of better services for all enterprise video communications."

Download 31 page excerpt of the Frost & Sullivan Global Enterprise Video Webcasting Solution report.

About Qumu

Qumu Corporation (NASDAQ: QUMU) provides the tools businesses need to create, manage, secure, distribute and measure the success of their videos. Qumu's innovative solutions release the power in video to engage and empower employees, partners and clients.. Qumu helps thousands of organizations around the world realize the greatest possible value from video and other rich content they create and publish. Whatever the audience size, viewer device or network configuration, Qumu solutions are how business does video. Additional information can be found at

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TMCnet - World's Largest Communications and Technology Community

Toy Tokyo [Japan Times, Tokyo :: ]
[August 31, 2014]

Toy Tokyo [Japan Times, Tokyo :: ]

(Japan Times Via Acquire Media NewsEdge) Aug. 31--In a world now dominated by photographs taken with smartphones and swanky digital cameras, it's refreshing to come across a book that restores a little faith in old-school photography.

Toy Tokyo, by Manami Okazaki.

Kingyo Books, Art book.

The setup for author Manami Okazaki's "Toy Tokyo" is relatively straightforward: She introduces simple-system cameras such as the Holga, Diana, Lomo LC-A, Horizon, Fuuvi and the Zero pinhole one by one, interviews the creators of each device, includes photos of localized factory visits and talks to photographers who use the lo-fi equipment as a tool for self-expression.

Toy photography is often likened to the Impressionist art movement of the 19th century, and the poor quality of the lenses often creates ambiguous, dreamy images that spawn feelings of nostalgia.

All the people interviewed in this book are probably closer to being artists than traditional photographers, in the sense that they do not attempt to reproduce a scene as it appears in front of them but rather one they can imagine. Think photos that are softly lit, slightly blurred and oddly surreal in terms of atmosphere. Such photography typically has an accidental quality about it, where the users are at the mercy of uncontrollable things such as distortion and light flares. It also requires plenty of patience, and an understanding of the basic mechanics of photography.

Okazaki has obviously gone to some lengths to ensure she covers a broad range of camera manufacturers and photographers in the course of her research, and her diligence is reflected in the final product. The only real complaint I would have with this luscious publication is that the format is simply not large enough to get a real sense of the beauty contained in each image.

___ (c)2014 the Japan Times (Tokyo) Visit the Japan Times (Tokyo) at Distributed by MCT Information Services

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0 comments on “3 of me…

  1. Rochelle says:

    There are 0 people in the US with my name! Wheee! But that’s what happens when your first name is the result of a misunderstanding at the border, and your first name is actually a french place name rather than an actual name. At least it makes me super easy to google.

  2. peter jones says:

    There are 3,579 Peter Joneses I thought there would be more. Great blog!


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One of the excellent rewards of hiking every weekend is seeing the seasons change. Most of the trees in the Bay Area are evergreens so we don’t get New England-style, knock-your-socks-off autumn colors, though we do get a few splashes here and there. You know what happens with fall colors: the trees get gorgeous and stay that way till the first strong rain, which knocks all the leaves off and leaves barren branches till spring. Last year’s autumn was so rainy that I don’t recall seeing any color to speak of. With that memory in mind I’ve been thankful for whatever bits of brightness I happen across.

So Sunday’s outing was to the ever-popular Sunol Regional Wilderness, which has great hills, great trails, great trees, great rocks and a few great examples of soon-to-fall leaves on this mid-autumn day. I met Mike and Kathy’s hiking group at the park headquarters, where we kept having to tell these young-hot-singles-hiker types, "no, we’re not the Bay Area Link-up hike." It was of course flattering for them to mistake us for young-hot-singles hikers, though I would imagine them taking one gaze at the likes of yours truly and thinking "I gave up good music and margaritas in the city for him?" I’m sure those warm breezes I was feeling were the collective sighs of relief from hot-young-singles hikers noticing my wedding band.

Anyway, on to the hike. Here we go in the Indian Joe Trail, which hasn’t been renamed to avoid insult to the indigenous peoples of North America. Perhaps it would’ve been until it was realized what a great bit of brand placement this is for the state’s many tribal-run casinos.

Blue, green and brown were the only colors all I was expecting to see.

Stopping to discuss our various medical procedures. Hilarity ensues during a discussion of "so, how big was the needle they poked you with?"

Hey, there’s some colors that aren’t green.

Dave and Chris at the Singing Gate. One time when we were up here, the wind blowing through this gate made a strange howling sound.

Kathy and Peggy admire the Maguire Peaks. I was obliged to admit with no small amount of pride-bordering-on-hubris that I had climbed to the top of them. Of course there is nothing special about the Maguire Peaks up close; they’re not much higher than where we were standing here, at about 1,400 feet. (Mike brought his GPS along so we always knew how high we were; once you outgrow illegal controlled substances, these devices become a handy means of measuring the highs and lows.)

The moment we hiked 3.5 miles and climbed 1,200 feet for: Lunch!

We set off on the Eagle View Trail, which is dug into an extremely steep hillside. There’s a sign warning bike and horse riders to stay away. The trail isn’t really all that dangerous, truth be told, but if you were to fall down the hillside you’d stop rolling about where that pond is down there.

Another for the Cool Trees of California file.

We appreciate the stunning scenic vista, and the fact that it’s all downhill from here.

We meet a couple equestrians coming up the trail. Earlier in her ride, this woman told us, a rowdy group of young backpackers put a scare into her steed, who decided the best course of action upon meeting our group was to come right up to Chris and breathe heavily a few inches from her face. How close was this encounter? Well, Chris now knows all she needs to know about alfalfa breath.

Another vivid splash o’ color.

They call this park a "Wilderness" because it’s so much sexier than calling it "somebody’s cattle ranch rented to the county to keep people from wearing out the highways."

Dave and Chris think, in the lingo of the Old West, "much obliged, pardner, for kicking dust all over our overpriced hiking apparel."


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Overclocking Duron?!

A frienf of mine wants to buy a Duron@1.1GHz or 1.2GHz. He's interesting what the biggest possible overclocks of these 2 CPUs are?! Anybody who has a real experience, with regular fan-cooling?
9 answers Last reply
More about overclocking duron
  1. Most can overclock them about 250-270MHz at a 124MHz FSB. Some Durons can do a 133MHz FSB and above, make sure you get an XP-stepping, if you want to overclock. Look for the 4.th and 3.rd last letters in the second line of the product code (should be either MP or XP).
  2. Cruiser is on the nose.

    Just be aware also that the mobos juper settings and your math skill will very much affect your out come.
    Cooler = stable

    It seems that every time I reboot my wallet gets smaller.
  3. I did'nt overclock my Duron Morgan 1000 ( AHHAA, no sign of any XP or MP in the OPN or Date Code... ). I'm currently running it with a 133 MHz FSB ( with a 7.5 multiplier, unlocked with a 4B pencil ! ) on a A7V333-RAID and I UNDER volted it to 1.375 v !

    Once I get some good PC2700 memory, i'll try to run it on a 166 MHz FSB ( can't wait to see the benchmarks ! ). For all those reason, I belive the Duron is a really good processor !

    Fok Speling Misstake
  4. Quote:
    Once I get some good PC2700 memory, i'll try to run it on a 166 MHz FSB

    Don't worry, Morgan Duron WILL work at 166 MHz :smile:

    (as good as it looks)
  5. Thank you guys! Your messages were very helpful.
    And which cheap mobo could you recommend me?
  6. maybe a xp333?(made by Iwill). i use it. but some say it has stability problems, and i had a hard time with it first too.
    i don`t know what kind of RAM u r gonna use, but if you`re to use a PC2700, then buy a board with a ALi Magik stepping C or a KT333, nForce 415D, SiS745.

    by the way, as Sid said above, the Duron performs better when u overclock its FSB. the Duron`s L2 cache is pretty small(64kb), so a lesser number in the FSB multiplier will give it better performance.(i mean, a 166*6 is better than a 100*10.)

    Be nice.
  7. I recommend the ASUS A7V333-RAID, it got a lot of potential, IEEE-1394 Firewire, a RAID chip from Promise, good onboard sound ( which you can disable if you got a better sound card ) COP ( Core Overheat Protection ) that can save your CPU life, Q-FAN which control the voltage fed to the fan to keep it quiet when the core is under 50 C and the board is supposed to support a FSB as high as 230 MHz.

    I'm sure your friend won't need all those option when he will build his initial machine but I'm sure he won't regret having bought an A7V333-RAID in 2 years from now, Socket A is a long way from being a dying platform if I belive AMD roadmap.

    P.S. Just make sure he NEVER flash his BIOS with anything else than a boot floppy with AFLASH.EXE ! Asus provide a Windows utility that is SUPPOSED to flash the BIOS in Windows environement, I tried it and it ruined my board BIOS !

    I had to return my first A7V333 board because of that ( it was the non RAID version ), the local computer store ( LCI in Montréal ) accepted to replace it and gave me an A7V333-RAID instead...

    I was lucky, so don't take any chances and flash that board the good 'ol fashioned way !

    P.P.S. I had an other problem flashing the BIOS with my current board ( Mea culpa, mea maxima culpa ! I stepped on the powerbar ON/OFF button while it was in the process of flashing the BIOS, I know, that was stupid... ).

    I first panicked then tried to find a way of getting a second try, and I did find a way ! Just move the ROMSIP jumper to 2-3 Et Voilà !

    The computer will boot with very limited functions, no access to BIOS or IDE devices and some keyboard buttons will be messed up, it will only boot from a floppy. Just insert a "clean" ( no CONFIG.SYS or AUTOEXEC.BAT ) bootable floppy with AFLASH.EXE and a flash file ( AV333xx.AWD )and try again...

    I can't guarentee this last trick will work all in any situation ( I chickened out at the tought of flashing the BIOS with a .BMP file to find out ) but it worked for me and save me a lot of loonies and a whole lot of trouble...

    Fok Speling Misstake
  8. tell him no, spen 20 more bucks and get an xp

    Introducing Tapeworms! The new big thing for weight loss!
  9. You're right on this one, I just finished building a system for a friend based on a A7V333-RAID.

    I unlocked his Duron 1200 MHz and it's doing just fine, under volted it to 1.425, running on a 166 FSB ( x7 ), in synch with 256 Mb of Samsung PC2700 memory. The Duron Morgan is a really an amazing core !

    Fok Speling Misstake
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Drawing Cutting-edge Comics (Christopher Hart Titles) by Chris Hart
English | 28 Feb. 1999 | ISBN: 0823023974 | 144 Pages | PDF | 31 MB

Comic book artists are now developing cutting-edge, extreme comic book characters, where heroes are grittier and women are sexier, all designed for maximum impact. Cutting-edge comics venture beyond the traditional boundaries to extreme anatomy, extreme costuming, extreme special effects and extreme methods of storytelling.

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Sep 10

#tbt My High School Yearbook Editorial About Gun Violence

To this day I have no idea what this tagline means.

During my senior year of high school (Class of 2000), three friends and I decided we were going to be the yearbook editors as one of our school activities. We didn’t realize when we signed up that we’d be doing 95% of the yearbook ourselves (as virtually none of the rest of the slackers we went to school with helped!) Of course, this gave us a lot of freedom to put whatever we wanted in the book, such as allowing our friend Nelson to write *every* caption (many of which were sarcastic or blatantly asinine). Or perhaps tweaking the voting on the Most Likely To Be categories (guess who got Most Likely To Be A Writer).

But I digress. The true Throwback Thursday element of this post is to share an editorial I wrote back then. Remember, we were the Class of 2000 so our senior year was in the shadow of the Columbine High School shooting in Colorado that occurred on April 20, 1999. Upon reading the editorial, I am amazed at two things: 1) I am more optimistic now than I was at age 18 and 2) essentially nothing has been done to change the state of our country to prevent these shootings in the last 15 years.

At least I followed through on padding the voting!

Below is reprinted verbatim my editorial (I resisted the urge to edit it with 15 years of writing experience under my belt). Feel free to share and/or comment. I’d love some other perspectives on this.

Reprinted From Monsignor Bonner High School Bon-Aire, Vol. 44 (2000):

Don’t bother reading this. I re-typed it for you.

“We live in a post-Columbine world boys.” I’ve heard this sentence countless times from countless people this year, and it can’t help but make me think; “Why did it take tragedy to provoke action?” It seems that this is how our world always works. We don’t realize nuclear weapons are bad until we destroy two cities. We don’t realize hydrogen is flammable until a zeppelin goes down. We don’t realize kids can kill until they do. High school was once a time of happy-go-lucky frolicking, leading to life in the “real world” where things became dangerous. Now, things are dangerous even in high school.

Many people try to blame television, radio, and movies for this sudden surge of teenage violence. What people fail to realize is that that type of media is a product of society, and not vice-versa. The journalists try to blame everyone and everything for kids strapping weapons to schools, and they fail analyze the fact that they glorify war and violence by running them as the top stories and headlines every to single night. When a kid is starved for attention, he’ll go to any lengths in order to obtain it. Extreme methods and making front page news is something that will make a deprived kid feel like a movie star, and the journalists of the world don’t realize it… or don’t want to.

In something of a conspiracy, the publishers and producers of the world know that society has become a sick and twisted place, where the masses yearn for news of death and destruction. Why change the stories to news of medical and technological advancement when the ratings say that violence sells? Unless the people of our society can change their blood-lusting ways, the de-evolution of our world will continue in a rapid spiral until it comes crashing to an end one day.

When our country comes to a point of such civil chaos that there is no return possible, then ratings won’t seem as important. Until then, we can only hope that people learn to have a mind of their own and not move into de-evolution in masses. We may appear to be at the apex of our history at this present time, but every dominant civilization comes to an end. The United States is just waiting for its time to fall, and at the root of our downfall will be violence at the hands of fellow Americans. Isn’t it great we’ve advanced so far?

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The Stig versus the Mercedes SLS Black

There is no entrance gate as such – you drive straight  into the midst of smart factory buildings. A thousand people are employed here, but I’m only interested in finding one: Sunday Jonathan. The man whose name adorns ‘my’ engine. Sunday’s done a fine job, I reflect, as we park by a likely looking security hut. The V8 has run faultlessly, failed to flash a single warning light and been beyond addictive, so, well done, Sunday. Funny name, mind you.


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Traditional and contemporary folk from the British Isles

WILLIE SCOTT The Shepherd’s Song TSDL183

Willie Scott, recorded in his 70s, came from a long line of singing Scots, bred to the trade of shepherd in the rolling Border country where the North of England and the South of Scotland march together.

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Kulpmont Info

Kulpmont, Pennsylvania is located in Northumberland County. Zip codes in Kulpmont, PA include 17834. The median home price in Kulpmont is $12 which is roughly $12/per square foot. More Kulpmont information.

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An Al-Quaida In The Hood For 22 Days!

An Al-Quaida In The Hood For 22 Days!

Posted in the Montgomery County Forum

Member of MCPD

Washington, DC

#1 Nov 1, 2012
NDA21Z New Jersey plate wrote:
The Chevrolet Caprice that was taken may have been cremated for sanitation reasons as one of the defense lawyers mentioned after John Muhammad was executed and he may be cremated for some reason too. Mildred felt that she wanted to take her children and move away due to the ordeal. I am surprised that she stayed. Lee Malvo told inmates that "another 9-11 would make me feel good cause the terrorists will help me break out of prison and do more crime" but guards may be in danger as he gets older according to sources at the Red Onion State Prison wherever it is.
Our department feels sorry for ex-wife, Mildred and her two daughters since they have to live with the residual ordeal but we are glad that Muhammad is in hell in a handbasket and that Malvo is in prison with the hardened criminals where they belong. Give praise to our department for working 24/7 to protect the rest of society from this mayhem and terror back in October of 2002.

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Games > Arcade Games > A Snake's Life

A Snake's Life

The Classic Snake game revisted-modern graphics& multi-level scrolling gameplay

Windows AllPlatform :
USD $19.95Price :
5.97 MBFile Size :
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Popularity: 3/10Popularity :
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3/31/2003Date Added :
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A Snake's Life was fully tested by TopShareware Labs. It does not contain any kind of malware, adware and viruses.
Pit yourself against many animals & dangers in forests, fields, deserts & other worlds in this modern arcade game. The classic snake / worm concept updated for today's computers. This game features stunning 3D rendered graphics, smooth animation, new concepts & multi-level scrolling gameplay. Face groundhogs, gators, fireflys, bad weather, alien invasions and much much more.

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