ElderGeek

Been using Checkworks for years.. no problems, and they don't report to Chex Systems www.checkworks.com

DOFD does not get "reset" unless the debt in subject is cleared of delinquency (ie, becomes current, and is no longer past due). Tolling the debt only resets the clock on the Statute of Limitations in some states, making it possible for a debtor to be successfully sued on the debt. It doesn't change the DOFD, though, and as such shouldn't affect how long the debt can stay on the reports. For instance, if the state in question is Virginia, which has a fairly short SOL (3 years), making a payment can reset the SOL back to day one, so even if the creditor doesn't *choose* to sue, making 1 small payment every 3 years on a debt in that state can keep resetting the SOL, preserving the possibility of a successful lawsuit in the future - long after the 7 year reporting limit has lapsed and the debt has dropped from the credit reports.

I just did something similar with my credit union.. I owned two vehicles.. one worth 4K and another which I owed about 2k on. I traded in the vehicle worth 4k on a vehicle with a sales price of 13k. I applied through the CU, and they approved me for the whole 13k, so I signed the contract at the dealer, sent it to them, and asked for 11k. I paid the dealer the 9k I owed him with a cashiers' check, paid off my other car with the remaining 2k, and submitted the lien paperwork to DMV. I now own the 13k car with an 11k lien on it, and the other car free and clear. It all took only about 2 days.

While oxygen can stimulate ripening, the absence of oxygen will just result in the fruit "breathing" it's own ethylene, which will cause it to ripen faster.. the more it ripens, the more ethylene it creates, and in turn it ripens faster. A green banana sealed in a paper bag by itself will ripen more slowly than a green one sealed in a bag with a fully ripe banana.. same amount of oxygen, but the abundance of ethylene will cause the "paired" fruit to ripen/rot faster, so just depriving oxygen won't do it. Never tried storing it in a near vacuum, but it might work, although the vacuum would have to be almost constant to draw off the generated ethylene.. interesting science fair thought :-)

The problem is ethylene gas.. it's the gas that starts (and accelerates) ripening of a number of fruits, including bananas. Bananas are usually picked green, and "gassed" with ethylene to jump-start the ripening process. In addition, bananas generate ethylene gas on their own to further the ripening process. Putting bananas in a sealed container is a bad thing, as the container will develop a higher concentration of ethylene gas from the fruit, thus hastening ripening. Even worse would be putting bananas in a close container with other fruits, as they would add to the ethylene gas, and some fruits produce more gas than others. You can slow ripening by putting the bananas in a fridge, but it will turn the skin brown - it will still slow the ripening/rotting of the fruit inside. Another possibility is to see if you can buy them from a vendor that sells "ungassed" fruit, although it's not easy to find one. Most distributors will gas the fruit to get them to start ripening prior to sale. In essence, the more airflow around the fruit, the less ethylene gas, and the longer they will last, although I don't know if it will make a lot of difference with over 12 pounds of fruit.

I haven't spoken to them yet, but I did go through this once before.. I had a long-standing card through Plains Commerce that was bought by Merrick a little over a year ago. When the dust settled, the Plains Commerce account came off my reports, and was replaced with a Merrick account showing a proper account age. I'd guess this conversion, since the card was always issued through Merrick as opposed to the other one I had, should report properly. I'm planning on calling them when I get the new card to see if I can combine the two identical Visa cards into a single account with a combined limit.. I'm not going to pay 2 monthly fees for two identical cards, and besides, the older one has a lower APR. Otherwise, it's going to be adios to the former Hooters card, even though it has a higher limit.

I'm not an authority, but California, being a community property state, goes by the rule that all assets and liabilities obtained during the term of the marriage are the joint responsibility of both spouses, whether or not they are both contractually obligated to the debt (ie, a co-borrowers). Based on this, I can see where the lender may not be willing to write the loan without OK'ing the credit of the spouse who isn't a joint applicant to the loan.

Had a really bad case of PF in my left foot about 6 or so years ago, and I picked up a Baker Night Splint from the local pharmacy... it's that splint mentioned before that keeps your foot in a forced, bent shape overnight. That stretches out the Plantar Fascia over time, and in about a month I didn't need it any more.. for me wearing decent support shoes (New Balance in my case) did the trick once I ditched the splint. The pain is from the Fascia tightening and becoming resisting stretching. While ice did numb the pain, it also made the tissue even more tight, and made it hurt even more when I got up to walk on it. I found gentle heat worked better for me to keep it loose, but the real solution for me was the splint. You can find the splints on the web for around $25-40 dollars.. I paid over $70 for mine at the pharmacy.

Boy, this takes me back. about 20 years ago I bought 2+ acres in a rural area.. paid the extra to have a full survey done... the surveyor provided me with photos of the placement of each marker, along with the usual reports. about 6 months after I moved in, I built a large play structure for my kids at the far corner of the side yard.. my next door neighbor had a hissy fit over it being too close to her yard, even though her house was some 100' away. I showed her the survey marker indicating I was about 15 feet on my side where I started building (didn't want to build a play structure too close to the septic leech field, and it was the only other level section not right against the road). So, this started something of a minor war between us.. she started planting trees on my side of the property to naturally "fence" her off from my kids, and frankly I was fine with that.. meant I couldn't see her either, and I thanked her in writing for the "gifts". Finally, I got my revenge.. they pulled up the marker post on the front corner of my lot, and expanded their paved driveway and parking area to extend over it and about 10 feet or so onto my property. My wife took a picture of the marker being pulled up. So.... after waiting for all the paving to dry and harden, I dropped by with the photo of the original marker, the survey report, and the photo of them pulling up the marker, along with a written demand that they dig up the driveway and restore my property to it's original condition, on threat of a suit. It cost them *lots* to undo what they did, and I watched the fun from my back deck. Moved away 2 years later, and left all my documentation for the new owner.. 1 year after I sold the place, they tried to pull the same thing again on the new owners.. I was contacted to make a deposition and attest to the validity of the paperwork I left the new owner - he went legal on them immediately, when they tried to accuse him of relocating the survey marker.

All of my "bad debt" as it were is way past SOL. Ive never dealt with FIA or bank of america in any capacity so they clearly are just fishing for someone to bite on this debt. And if it did happen to be somehow related to an old debt of mine as I said its past SOL so no big deal, As far as the phone calls Ive gotten so far is there anything I could file on or take to an attorney? Unfortunately I'm not qualified to say on that part. It is a violation of the FDCPA to threaten a lawsuit when the person threatening suit either has no intention to file one, or knows they cannot make good on the threat. Perhaps one of the others on board here with some law (or litigation) experience can field that question.

FYI - you mentioned not knowing the OC.. Elan Financial Services is a 3rd-party credit card issuer that issues cards on behalf of other institutions.. just last month they assumed somewhere around $700 million in accounts formerly belonging to FIA Card Services. If you've never heard of them before, perhaps an old account of yours that was issued through FIA has reared its' head. As long as the SOL for your state is past, you should be ok, but you could certainly demand validation of the original account in writing (without admitting anything about old accounts), and see if it's something you can recognize and pin down, then decide on whether you need to take any action based on age.

What does this mean, and how does out affect an everyday user? (yes, it is a trick question ). Most people who use that buzz term have no idea how it applies. Tee, is there a reason you have not downloaded WF? I'm tired of the excuses... Sent from my PC36100 using Tapatalk Those buzzwords mean nothing. It's not fragmented it's optomized for best performance on specific devices. I am on gingerbread using a Galaxy s2. People on phones with lesser hardware use a different version of android and the newest Galaxy the nexus uses Ice cream sandwich. What is wrong with software optimized for specific hardware? You wouldn't try to put windows 7 on the desktop computer you had in 2000 it would work but XP would be a better choice based on your hardware. Precisely. The same buzzwords could, in some sense, be applied to IOS. If you own an Iphone 2, for example, apple won't support IOS 5 on it. You may be able to get it installed somehow (methods do exist), but IOS5 is optimized for the hardware in the Iphone 3Gs and newer, and not the older ones. This means there are different "versions" of Iphone hardware running differing (older) versions of IOS. It's no different in the Android world. First-generation Android phones ran 1.1-based releases of Android. My first Android phone ran 1.16, and kept updating through 2.2.3. My current one runs 2.3.4. The newest phone version is 4.0.3 (version 3.x of Android was meant for tablets, and not phones). Phone manufacturers release upgrades as they are tested for their specific hardware. Since Android is offered on dozens of different device/maker/hardware platforms (as opposed to apple's unified hardware platform of Ipod/Ipad/Iphone), it tends to update more rapidly. Some call this fragmentation.. others call it evolution. For me, if it works for me, I don't care what version it is. When Motorola says a new version of Android is available for my phone, I'll decide if I want to update it.

FWIW, I just upgraded my original Moto Droid to a Moto Droid Bionic in November. My landlord, who lives next door, got an Iphone 4s last month. We live in a *very* fringe reception area, and are both on Verizon (the only carrier with service in our neck of the woods). My Bionic seems to have *way* better reception than his Iphone... I can carry on conversations inside my house with it, while his phone doesn't even ring there - he can only get occasional text messages and has no data signal at all. While I can't get any 4G at home, and only get sporadic 3G, I do get reliable 1x data. While I am an android fan in general (I don't like the "closed" model for the apple products - captive marketplace and all), my main requirement is usability. Can I *use* the bloody thing when I need to? If the Iphone had better reception, I would switch to it. I suppose the moral to this story is not to focus as much on what's under the cover if you're open to both, but to get the best tool for your expected use... after all, you will be probably be using the thing for *communicating* much more than watching movies or listening to music.

In order to do dual monitors with that motherboard, you will need to install an external video board.. the HD4250 embedded video processor on that motherboard can't do dual monitors as-is.. it recognizes a monitor plugged into either the DVI port or the HDMI port, but not both at once. Otherwise, it's a decent board, and as long as the add-on video board you buy later is compatible, you can get a performance boost out of the combination due to AMD/ATI's "crossfire" feature.

From my own experience, I just built a half dozen dual-monitor systems for one of our departments. They were based on an Intel G41 chipset and included onboard Intel GMA X4500 graphics. Each system board had both an Analog and Digital Video port (no HDMI). I was able to configure them all for multiple monitors / extended desktop using the provided Intel Software. I'd imagine most manufacturers using this chipset that provide both ports would result in being dual-monitor capable.. in my case the system boards were ASUS P5G41-M LE/CSM. This may be too much "Geek-speak", but in summary if you're looking for something similar, look for a computer using the G41 chipset that has both video ports on the back.. it *should* work for you. My parts cost per machine was about $505, including a somewhat expensive micro-case, and a Core2 Duo E7500 processor. Not a barn burner, but definitely good enough for business use. Cost does not include monitors. Good luck!