Tag Archives: computers

Check and Tidy Up Your Credit

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Take some time with your free credit reports and computer to clean up outstanding items.

I have very good credit and I work hard to keep it that way. I don’t ever want to be denied credit if I need it.

Start With a Clean Shop

The best way to keep your credit rating good is to follow a few simple policies:

  • Don’t sign up for a lot of credit cards. People (and, more likely, computers) who evaluate your credit look at the credit limits set up on your active credit card accounts to see what your potential total liability could be. $5000 here, $12,000 there, $9000 somewhere else — all that adds up, even if your outstanding balance is $0. After all, who knows if you’ll suddenly go on a credit card spending spree and max out all your cards?
  • Minimize personal loan use. A car loan is secured by a car. A mortgage is secured by property. A home equity loan is also secured by property. But personal loans aren’t secured at all. So if you go bankrupt, that’s just another loan a potential creditor would have to wait behind.
  • Speaking of bankruptcy, don’t go there. Declaring bankruptcy should only be used in dire circumstances — for example, you don’t have medical insurance and surgery or long-term treatment for something serious gets you in debt above and beyond your eyeballs. (Frankly, I think the government should provide medical coverage for these serious matters, but don’t get me started on that argument.)
  • Pay everything on time. Everything. Always. I’ve automated my payments through my bank account (not through my creditor’s billpay system) whenever possible. If online billing is not available, I set up to send a minimum amount to cover monthly bills so nothing is ever forgotten.
  • Don’t go into more debt than you have the ability to pay. This seems like a no-brainer, but people do it all the time. All your credit card minimum payments add up, you know. When they get to a point beyond what you can pay each month, you’ll be in serious trouble. And if you have a variable interest mortgage, remember that the monthly payments will go up soon (if they haven’t done so already) and you need to budget for that big increase. (If possible, refinance at a fixed rate or one that remains fixed for at least a few years. INGDirect has a great deal right now that you might want to check out.)

If you want to minimize interest expenses on revolving credit like credit cards, pay them on time in full every month. Not only will you save money — no interest! — but each month you’ll find yourself paying for just the things you bought in the previous month. Sure beats taking a year to pay off things you might not even have anymore.

Review Your Credit Report Regularly

Today, I took a few hours to download, review, and initial investigations for my three credit reports. It was an enlightening experience that gave me some peace of mind.

The U.S. government mandates that TransUnion, experíon, and Equifax must give you their version of your credit report once a year for free. To get your reports, go to AnnualCreditReport.com and follow the instructions that appear onscreen. You’ll have to provide your social security number and some other identifying information. You’ll then go to the Web sites of each credit report provider you selected (I chose all three) to request, view, and print your credit report. I got TransUnion’s and Equifax’s without any problem, but when I tried to get experíon’s, I entered a wrong number for a security question and was told I’d get validation info in the mail to proceed. Still, two reports were enough to get me started.

And no, you don’t have to subscribe to anything or pay $7.95 to get your credit score. (I was tempted to see the FICO number, but did not succumb.)

I found some incorrect information regarding my name (Equifax also has me listed as Maria Chilingerian, although I did not take my husband’s last name when we married and do not use the name at all) and addresses (both had a rental property I own as one of my residential addresses on file). Equifax had a bunch of former employers that were kind of scrambled up. I also found a number of outstanding credit card accounts that I’d opened in a store to get the 20% purchase discount (Old Navy, Pier One) that had never been cancelled. Equifax had a single “adverse accounts” item for an old Alltel bill I’d paid late after a dispute. Oddly enough, it was marked as paid, even though it showed up as an adverse item.

The reports color-code payment history, making it pretty easy to see how good (or bad) you’ve been at paying your bills on time. I was very pleased to see that all of my bills indicated that all payments were on time. I really do try hard.

Both companies offer online dispute investigation for items on the credit report. In each case, I logged in with special identifying information, navigated to the investigation page, and entered correct data or checked off items in a list. For example, I asked both to remove that rental property address and told them that a few credit card accounts indicated as open were now closed.

Prevent, or at Least Stop, Identity Theft

If I’d seen evidence of identity theft, there were boxes to check and forms to fill out to indicate that an item on the report wasn’t mine. This is the main reason everyone should review their credit report periodically. You can see what’s going on in your name and make sure someone else isn’t using your fine credit to finance their round-the-world cruise or new car. But in my case, although the reports were lengthy (I have a habit of taking advantage of those 0% credit card offers for exactly one year), I was personally responsible for initiating every item on them.

I should note here that I once did have my credit card number stolen and used for a handful of purchases before American Express, with the help of Sears, caught on. The whole thing took place over a period of less than a week and I was not held liable for the two charges that got through. No sign of this appears on my credit report. But if someone had opened a new account using my name and other identification information, that would have been very easy to spot.

Don’t Wait. Do it Today.

With identity theft running rampant and interest rates rising, it’s a good idea to go through your credit reports and tidy them up.

After all, who knows when you’ll want to refinance your home, buy a new car, or take advantage of one of those 0% interest offers?

On Geniuses

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Why I don’t Genius Bar hop and other comments regarding my recent hard disk problem.

One of my jobs as a blogger is to produce at least one blog entry a week. As you may have noticed if you follow this blog, it looks like I’ve been slacking off lately. Well, I just want to take a few moments to assert that looks may be deceiving.

Last week was a busy one for me. I finally got my computer back up and running after its second hard disk crash in a year. This crash was far more serious than the last and required the geniuses at the Apple Store to fix.

Now I know that lots of Mac pros laugh at the word “genius” when applied to the Apple Store’s tech support folks. And I do agree that it would be difficult to call any of them geniuses in the true sense of the word. (Think Einstein.) But if you were to compare their computer skills to the average Mac user’s, they could indeed be considered geniuses. They know a lot more about the current computer models than 95% of Mac users. Sadly, I fit into that 95% these days. I could tell you all kinds of things about fixing a Mac II cx or a PowerMac 7100/66 — and that’s because I used to teach a course about troubleshooting those computers running System 7. Nowadays, my troubleshooting capabilities are limited to what I need to know — like much of my other knowledge — and I don’t really need to know all the things the geniuses need to know to do their daily fix-it jobs.

So I’m not uncomfortable applying the word genius to many (but not all) of them. To me, some of them really are geniuses when it comes to diagnosing and fixing Mac problems.

I’ll also be the first to say that the capabilities of an Apple Store genius staff on any given day for any given store is hit or miss. It all depends on each staffer’s experience, knowledge, and interest in the topics he or she needs to know. I was at the Genius Bar in the Chandler, AZ store on Monday and the geniuses that day were pretty good. One of them was a super genius, the one who helped me was definitely above average, and the guy working the iPod slot was about average. (Let’s face it: it doesn’t take much skill to fix an iPod problem. Every iPod should come with a cheat sheet printed on back that explains how to reset it; that will resolve 95% of an iPod’s problems. The iPod guy probably resets a lot of iPods in a day. I’ve gotten so good at it that I can reset mine with one hand while flying my helicopter. Darn vibrations lock it up more often than I’d like to admit.)

I’ve had repeatedly bad luck at the Biltmore Apple Store in Phoenix, which is at least 30 miles closer to my house. The two times I tried to get assistance there, the lead Genius didn’t seem interested in looking deeply into my problem and didn’t seem to care whether it was resolved or not. On my fried motherboard problem, it seemed that she spent more time telling me how much it would cost to fix the problem than diagnosing what the problem was. This, coupled with her obvious lack of sympathy, made me doubt her diagnosis, so I had to go to another store (Chandler) to get a second opinion. I got a bad taste in my mouth (so to speak) from the experience. And that’s why I don’t go to the Biltmore store anymore.

Oddly enough, sympathy for my problem seems to be important to me. My main work computer or “production” machine (currently a Dual G5) is like a partner to me. It holds onto the projects I’m working on, it has the tools I need to get the job done as smoothly as possible. When it works right, we’re a team getting the job done. When it starts acting up, I get concerned. It’s not just a machine on the fritz. It’s a work partner feeling ill. What’s the problem? Can I fix it before it becomes critical? Is its motherboard about to go (again)? Or its hard disk? Will I lose data? Will I need to take it to the hospital (fix-it place) to get it working right again? How long will we be apart? And, of course, the selfish questions, like how long will I be unable to work?

The geniuses at the Chandler store are always sympathetic to my problem. They understand that my computer isn’t just a machine I use for e-mail and to surf the Web. They understand that its hard disk contains lots of important information — including books in progress — and the tools I need to get my work done. They understand that without my production computer, there’s very little real work I can do. And even though they don’t necessarily push any harder to complete a job for me than they do for anyone else, they make it seem as if my problem is one of the most important ones they’ll tackle that day. And they soothe me with reasonable reassurances that make it easier to face the 90-mile drive home and wait for their call.

This time around, the problem was a toasted hard disk. Personally, I believe it has something to do with my Firewire ports — it occurred while my iSight was plugged in and I was attempting to suck something off a portable Firewire hard drive. (My motherboard problem also manifested itself when working with multiple Firewire devices, including an iSight, so I’m very wary of using it these days.) They replaced the hard disk — which IS something I could have done myself if I really wanted to — and managed to get about 50% of the data off my old hard disk before it ceased to function at all. This cost me dearly, but the way I see it, I was paying for my own stupidity. If I’d had my entire Home folder backed up, recovery wouldn’t have been necessary at all and I could have saved the $150.

What hurts even more is that I’d written an article for Informit.com about backing up with Fetch before I had the problem and neglected to utilize my own instructions to protect myself.

The computer was done the next day and my husband, Mike, picked it up on his way home. It isn’t exactly on his way — he works about 15 miles north of there — but it was a lot more convenient for him than for me to make the 180-mile round trip drive. On Wednesday morning, I set about restoring the whole computer to it’s normal setup. I didn’t like the way the Apple folks had set up the machine — for some reason I was really bugged about my home folder being called maria (note the lowercase) rather than its usual mlanger (which I’ve used on all my computers for years). (Is that anal or what?) So I pulled off the recovered data, reformatted the hard disk, and spent the next two days installing software and updates. The updates were particularly painful now that I’m on the super-slow wireless Internet connection I whined about elsewhere in this blog. The 139 MB Mac OS X 10.4.8 combined updater took quite a while to suck off the Internet before I could install it.

Fortunately, I managed to pull e-mail messages, endo settings and contents, ecto contents, and some other stuff off my PowerBook. My iCal and Address book data was already set up to synchronize with .Mac, so getting all that data moved over was very easy. The only thing of real value that I lost was Chapter 6 of my Excel 2007 for Windows book, which I’d been working on for the second time. (The first revision went bad and I started from scratch. So today I look forward to starting my Chapter 6 revision for the third time. I knew it would be the book’s Chapter from Hell, but I couldn’t imagine how hellish it would be.)

By Friday, the computer was 90% back to its old self and I was working on it regularly instead of my laptop. So I was out of commission for two full weeks. I blame myself for that, too, letting the disk recovery software run as long as I did before finally bringing it to the geniuses.

Computer Wait Speed

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Maria Speaks Episode 34: Computer Wait Speed

My current computer woes remind me of something I heard long ago.

A long time ago — ten or more years, which is the middle ages in terms of the computing industry — computers were being marketed primarily on the basis of processor speed. Every time Intel or Motorola would come out with a new processor chip, members of the geeky set hurried to the stories to buy a new computer or upgrade that would bring their machines up to speed. It was then that I heard this rather curious statement:

All computers wait at the same speed.

The statement, of course, was meant to poke fun at computer users. At least that’s how I read it. Your computer could be the fastest in the world, but if you weren’t up to speed, all that extra fast processing power would be wasted. After all, each time a computer completes an instruction — whether it’s opening a dialog box, applying a font style change to some text, or matching e-mail addresses in your address book when you type into a field in a new e-mail message form — the computer faithfully waits…for you. As long as it has to. And while computer processors are getting ever faster, computer users are simply not keeping up.

Let Me Tell You About My Mom

All this reminds me of a sort of funny story. My mother, who has been using computers for nearly as long as I have, is not what you’d call a “power user.” She pretty much knows what her computer can do for her and she can usually make it do it. But she’s not the kind of person who pushes against the boundaries of what she knows very often. And when she’s working with her computer, she spends a lot of time making the computer wait while she thinks about what’s onscreen and how she needs to proceed. That isn’t a big deal — I’d say that 95% of computer users are like her. People react to what the computer does rather than anticipate what’ll come up next and have the next task prepared in their minds when the computer is ready to accept it. And all these computers are waiting at the same speed.

Anyway, for years, my Mom used dial-up Internet services. Most of us did. But as better alternatives came around and Web sites got ever more graphic-intensive, most of us updated our Internet connection technology to take advantage of cable or DSL or some other higher bandwidth connection. (I was literally the first (and only) kid on the block to get ISDN at my home. This was back in the days before cable and DSL Internet service. It cost me a fortune — heck, they had to dig a trench to lay new telephone lines to my house — but I simply could not tolerate busy signals, dropped carriers, and slow download speeds for my work. It operated at a whopping 128 Kbps and cost me $150/month. Ouchie!) My Mom, on the other hand, didn’t upgrade. She continued to surf the Internet through AOL on a dial-up connection, right into late 2006. Worse yet, she refused to get a second phone line, so she limited her Internet access or was impossible to get on the phone.

Let me take a little side trip here to discuss why her attitude wasn’t a bad thing at all. Personally, I believe we have too much dependence on the Internet. I recently read “I Survived My Internet Vacation” by Lore Sjöberg on wired.com, which takes a comic but all-too-real look at Internet withdrawal. If you’re the kind of person who uses the Internet to check the weather, look up vocabulary words, and find obscure information throughout each day without really needing that information, you owe it to yourself to read the piece. It really hit home for me. So in the case of my Mom, the fact that her Internet use was minimal wasn’t such a bad thing. Not at least as far as I was concerned.

But it had gotten to the point with my Mom that she was spending more time waiting for her computer than her computer was waiting for her. And it had nothing to do with processor speed. It was her dial-up Internet connection that made it slow.

At first, I don’t think she understood this. I think that when she replaced her aging Macintosh with a PC about 2 years ago, she really expected everything to get faster. But the Internet got slower and slower for her, primarily because Web designers don’t design sites for dial-up connections. (Shame on them!) The Internet had become a tedious, frustrating place for her and she couldn’t understand why so many people were spending so much time using it.

In November 2006, I came for a visit. I had to look up something on the Internet and within 15 minutes, I was about to go mad. I asked her why she didn’t upgrade to a different service. Then she showed me a flyer that had come with her cable bill. We sat down with her phone bill and AOL bill and realized that she could upgrade to cable Internet service and actually save money. A little more research with her local phone company saved even more money.

So she was paying a premium to connect at 56Kbps or less.

I made a few phone calls and talked to people in the United States and India for her. I’ll be honest with you — the price difference between cable Internet and her local phone company’s Internet was minimal, but we went with the phone company because the person who answered the phone spoke English as her first language. (Subsequently, my Mom needed some tech support after I was gone and that person was in India. Sheesh.) The installation would happen the day after I left to go back to Arizona, but I was pretty confident that they would make everything work. And although it didn’t go as smoothly as we’d hoped, my Mom was soon cruising the ‘Net at normal DSL speeds.

In other words, wicked fast.

My Mom was floored by the difference. I’d told her it was much faster, but I didn’t tell her it was 100 times faster. And it’s always on — all she has to do is turn on the computer and she’s online! And she can even get phone calls while she’s on the Internet! Imagine all that!

The happy ending of this story is that my mother now spends a lot more time on the Internet. (I’m not sure how happy that is.) And of course, she’s now back to the situation where the computer is waiting for her.

Who’s Waiting for What in My Office

I reported a hard disk crash here about 9 days ago. I know it was 9 days because that’s how long I’ve been waiting for the data recovery software to churn through whatever is left of my hard disk. And although it’s still progressing, it’s slowed to a crawl. I think it’s teasing me. But I’ll get the last laugh — I’m pulling the plug today.

There comes a time when you simply can’t wait anymore. I think 9 days shows a great deal of patience on my part. I know I couldn’t have waited so long if I didn’t have other computers to work with. I did get some work done this past week. I wrote up the outline for my Mac OS X book revision for Leopard. I did a lot of e-mail, fixed up a bunch of Web sites, wrote and submitted a bid for Flying M Air to dry cherries this summer in Washington State.

But what I did not do outweighed what I did do. I didn’t work on my Excel 2007 Visual QuickStart Guide. (I need the big monitor to do layout.) I did not pay my bills. (The latest version of my Quicken data files are on the sick drive.) I didn’t update Flying M AIr’s brochure. (Original files on the sick disk, need big monitor for layout.) The list does go on and on.

Now it’s time to get back to work. So I’ll pull the plug on the current data recovery attempt, put the hard disk in the freezer for a few hours, then reinstall it and try again by accessing the sick disk via Firewire from another computer. I can try multiple software solutions to fix the problem. And if that doesn’t work, I take the long drive down to the nearest Genius and let them give the computer a check up to make sure there’s no motherboard damage (again). If the mother board is still fine, I’ll leave them the disk to play with, get a new disk to replace it, and get the hell back to work.

That’s the plan, anyway.

I Need a New Mac

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But what I really need is some advice.

As my sick dual G5’s hard disk churns away for the seventh straight day of data recovery efforts using TechTool Pro and I start work on my Leopard book, I have come to realize that I’m going to need a new desktop Mac before year-end. Probably within the next month or so.

I’m not happy about this. I bought two new computers last year (a Dell PC and a MacBook Pro, both of which will be used as “test mules”) and had to spend a small fortune on each of them. I also had a number of costly computer repairs, including a new hard disk for my old server and a new motherboard for my dual G5. Now I’m facing a new desktop computer purchase and there aren’t (m)any affordable options.

What I Need

I need a computer with the following minimum requirements:

  • A Macintosh. Don’t try to sell me on Windows; it won’t work. I’ve been a Mac user since 1989 and have never even faintly felt the desire to switch to the “dark side” of computing. (My apologies to Windows devotees.)
  • An estimated useful life of at least 3 years. I want my computer to be able to run all the latest and greatest software for the next 3 years, without having to upgrade a single hardware component. If I can get 4 years out of it, great. Five years would be asking too much.
  • A relatively fast Intel processor. Obviously. I need to be able to boot Windows and run Windows software (so maybe I can get rid of my Dell laptop before it’s worthless on eBay). I also need to take advantage of updated programs that make use of the Intel processor’s technology.
  • At least 2 GB of RAM. I have 1.5 GB now and although it’s enough for now, I don’t think it’ll be enough three years down the road.
  • At least a 250 GB hard disk. Probably not much more. My file storage needs are minimal. I archive old stuff I don’t access regularly. The rest has to be backed up regularly. The way I see it, the less I have stored, the less I have to back up.
  • A SuperDrive. I need to be able to read and write CDs and DVDs.
  • Airport Extreme. I have a wireless network at home and like it that way.
  • Bluetooth. I have a handful of Bluetooth devices and hope someday to have a Bluetooth phone. (I don’t buy a new cell phone until the old one dies a horrible death, sometimes involving water.)
  • Enough graphics capability to display in high resolution in millions of colors on my existing Sony 20″ monitor. (Or, alternately, come with its own monitor that’s 20″ or larger.) I need a big monitor to get my layout work done, especially now that I’ve got “middle aged eyes.” (Don’t worry, boys and girls. You’ll know what I’m talking about before you know it.) When my Sony monitor dies, it’ll be replaced with a 30″ Apple Studio Display, but I’m not in a big hurry to drop a wad of cash on that.

Do I need two Intel Core 2 Duo processors? No. Do I need expansion capabilities? Not really.

Apple's iMacThat tends to push me toward a 24″ iMac. But there’s this weird mental block in my head about iMacs. Traditionally, they’ve always been Apple’s low-end model of computer. While they were perfectly acceptable as test mules for my work, I never seriously considered them for my actual day-to-day production tasks. But in looking at the current iMac specs on the Apple Web site, it’s pretty clear that today’s iMac isn’t your Aunt Tillie’s iMac. It’s a pretty serious machine, which ample processing power for all but the most serious graphics/video/gaming tasks. And frankly, it would probably be able to tackle some of those tasks pretty well, too. Considering the price of the most loaded iMac, that’s to be expected. They ain’t exactly cheap these days. When I loaded one up on the Apple Store’s Web site, the price tag exceeded $2K. For an iMac. No wonder I have a mental block.

An update to a 24″ iMac would also update my monitor. It wouldn’t get me the 30″ display I’ve been yearning for since its release years ago, but 24″ is bigger than 20″, so it’s an upgrade. And that flat screen will take up a lot less space on my desk than the Sony CRT. Of course that leaves me with a perfectly functional 20″ monitor that I couldn’t sell on eBay. (The darn thing has to weigh in at at least 60 pounds.) But then again, according to the iMac specs, the computer can support a second monitor. But do I really want two monitors on my desk?

Mac ProMy greedy little mind is naturally leaning toward a Mac Pro. Now that’s a computer. I imagine two internal hard disks, two SuperDrives, 2 GB of RAM, and enough graphics power to drive the 30″ display I’ll probably never get. But when I loaded one of these up on the Apple Store’s Web site, the price tag was staggering: over $3K. I don’t have that kind of money sitting around to buy a computer. And if I did, would I want to blow it on a computer rather than, say, a two-week vacation in Hawaii?

But with a computer like that, I could do anything a Mac could do.

But do I need to do everything?

When I bought my last G3 — it was the last beige model — I made sure it had video in/out ports. The old-fashioned, color-coded kind. I don’t know what they’re called. (I’m really not as technical as people think.) I was certain that I’d be processing video on that machine and I wanted to be prepared. I think I used it exactly twice. Once when I got the computer because I had the feature and figured I should try it. And once to actually create a video that I never finished and eventually deleted as a half-finished project. Ditto for other features I’ve loaded into past computers, thinking I would use them. The SCSI card in my recently sold G4. The 250 MB Zip drive in the same machine. (Come to think of it, that machine really was loaded. The new owner got quite a deal at only $335 plus shipping. No wonder she was so happy.)

I was hoping to put off the purchase for at least six months. Actually, what I was really hoping was that Apple would introduce a new desktop Mac in the Mac Pro line at Macworld Expo in January and drop the price of the existing model. That’s usually how I choose my computer — buy the second or third model down from the top.

Maybe that model is an iMac these days. Seems that way to me.

If only I could break my mental block against those machines. Stop thinking about the ridiculous “ET” model I had on an editorial loan for about six months. I hated that computer. It seemed to mock computing with its silly design. I was not in the least bit sorry when I was asked to return it after using it for less than 50 hours of runtime.

So I’m looking for advice from folks who have purchased a desktop Mac within the past 6 to 12 months. Which model did you buy and why? What do you use it for? Are you happy with it? Use the comments link to share your thoughts with me and other readers.

Computer Woes

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Again.

If you were starting to wonder whether I’d fallen off the face of the earth, stop wondering. I’m still here. It’s my main computer’s hard disk that has decided to take an extended leave of absence from work.

It happened on Friday. It was doing four things at once as it usually does and it completely locked up. I had to power it down to unlock it. When I powered it back up, I had a blinking System folder icon. Never a good sign on a Mac.

Long story short: TechTools Pro has been working on the disk for about 37 hours now, trying to recover what was on the disk. It’s not even halfway finished, so I figure it’ll be done by Tuesday or Wednesday. Until it’s done, the computer is pretty much dead in the water. And maybe even after it’s done.

This has happened to me before, so most of my stuff is backed up. But a few things aren’t. Like 4 hours worth of work on Chapter 6 of my Excel 2007 Visual QuickStart Guide. What annoys me most about that is that it was the second time I went to work on that Chapter. The first time, I didn’t like the way it was coming out so I scrapped it.

If the data can’t be recovered by me or by experts elsewhere, I’ll have to rebuild the hard disk’s contents from scratch on a new hard disk. I’ll know if I need to do that sometime near the end of the week.

In the meantime, I have three laptops to work with: My trusty 12-inch PowerBook G4 (which I’m writing on right now), my new MacBook Pro (which is resting until it needs to do duty as a test mule for my upcoming Leopard book), and my Dell laptop (which is what I was running Excel 2007 on while revising my Excel book). So I can keep blogging, keep writing short articles, and write my outline for my Leopard book.

I’m just a bit depressed about the work that faces me and the possibly hundreds of photographs stored only on that computer’s hard disk. I couldn’t back up everything. But that’s going to change very soon.