Tuesday, October 31, 2006

My Way News - Sony Warns of PlayStation 3 Scams

My Way News - Sony Warns of PlayStation 3 Scams: "Sony Corp. (SNE) (SNE) issued a warning Tuesday against false promotional offers for its upcoming PlayStation 3 video game console.
A number of Web sites have been promoting pre-orders on discounted or bulk shipments of the game system - without the cooperation of Sony, the company stated.
Company representatives did not name the sites but suggested consumers can avoid potential scams by purchasing PlayStation products only from authorized retailers and resellers, which includes well-known stores such as GameStop, EB Games, Best Buy and Wal-Mart.
The PlayStation 3 system, with models priced between $500 and $600, is set to go on sale in the U.S. on Nov. 17, though only in limited quantities.
Some authorized stores began taking pre-orders on Oct. 10. At some GameStop and EB Game locations, the orders were snapped up within minutes.
Sony has said it plans to ship 6 million Playstation 3 machines in its fiscal year through March 2007."

Friday, October 27, 2006

My Way News - Sony Battery Emits Sparks During Recall

My Way News - Sony Battery Emits Sparks During Recall: "A Sony-made battery used in a Fujitsu laptop computer overheated and emitted sparks, Fujitsu said Friday, amid a massive global recall involving Sony batteries.
A Fujitsu worker was visiting a customer's home to retrieve the laptop as part of the company's recall of Sony batteries when it overheated and started giving off sparks, according to Fujitsu spokesman Toshiaki Koike.
No one was injured in the incident, which is under investigation, Koike said.
Fujitsu is recalling more than 280,000 lithium-ion laptop batteries made by Sony Corp. (SNE) because they pose a risk of overheating and bursting into flames.
Sony officials have said the problems were caused by microscopic metal particles left inside the battery, which can cause them to short circuit.
Almost every major laptop maker in the world, including Dell Inc. (DELL), Apple Computer Inc. (AAPL) and Lenovo, has announced recalls of Sony lithium-ion batteries. "

Wednesday, October 25, 2006

My Way News - Oracle Assaults Red Hat With Pricing War

My Way News - Oracle Assaults Red Hat With Pricing War: "Oracle Corp. (ORCL) Chief Executive Larry Ellison is shaking up the software industry again, only this time a takeover bid isn't involved - yet.
Ellison set his sights on Linux software leader Red Hat Inc. (RHAT) late Wednesday by promising Oracle will charge dramatically lower prices to fix the problems that crop up in Red Hat's products.
Redwood Shores-based Oracle expects to offer discounts of at least 50 percent - a threat that caused Red Hat's stock price to plunge by more than 16 percent amid investor worries about the much smaller company's ability to withstand the challenge.
The assault on Red Hat continues Ellison's aggressive efforts to build upon the market clout that Oracle already amassed as the world's second-largest software vendor behind Microsoft Corp. (MSFT)
Oracle has spent about $20 billion snapping up other business software makers during the past two years, sometimes refusing to take no for an answer. In the biggest deal of the lot, Oracle launched a hostile bid for PeopleSoft Inc. that took 18 months to complete.
If Red Hat's stock continues to falter, the company could become increasingly vulnerable to a takeover. Oracle executives refused Wednesday to say if they might be interested in buying Red Hat.
'I don't think this will kill Red Hat,' Ellison said Wednesday in response to a question from a packed audience attending the biggest convention in Oracle's 29-year history. 'This is capitalism. We are competing.'"

Sunday, October 22, 2006

If you drop insurance, DMV knows

If you drop insurance, DMV knows
By Eve Mitchell
MEDIANEWS

Motorists who thought they could pull a fast one by getting insurance to register their car and then canceling it better put the brakes on that strategy. A new law requires insurers to provide electronic notification to the state Department of Motor Vehicles when customers cancel their insurance.
The DMV is now sending notices to motorists who have let their insurance lapse. The notice will inform them that they have 45 days to reinstate their insurance or face having their car registration suspended.
The legislation was written by state Sen. Jackie Speier, D-San Mateo. Speier also wrote a law that requires motorists to provide proof of insurance when registering their vehicles or when pulled over by police.
Since that law took effect in 1997, the percentage of vehicle accidents involving an uninsured vehicle in California dropped from 24 percent in 1996 to 14 percent in 2003.
"It's been a resounding success," Speier said. "The one loophole is that people could buy insurance and then cancel it after three months. This is going to close that loophole."
There are no excuses for motorists to be without insurance given the existence of the low-cost auto insurance program, she said.
"A lot of people buy the insurance and get the car registered and then they cancel it," said DMV spokesman Armando Botello. "There was no way for the DMV to know the insurance was canceled until they get stopped by an (law enforcement) officer or were involved in an accident or the next time their registration came up."
Speier and consumer advocates are hoping that SB 1500 will prompt more uninsured motorists to consider low-cost auto insurance.
"Now people are going to be getting reminded by the DMV that they've got a problem with their registration because of an insurance lapse. I think that will spur people to get it," said Doug Heller, executive director of the Foundation for Taxpayer and Consumer Rights.
"Prospectively, the DMV is going to become the biggest promoter" of low-cost insurance, Speier said.
Heller and Speier said they would like to see the DMV include information about the low-cost auto insurance program in the notices that are sent out.

Admissions Essay Editing Services: Medical School

Content provided by EssayEdge.com.
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Medical School Personal Statement SecretsEssayEdge.com contains thousands of pages of free admissions essay advice by Harvard-educated editors.
Medical school admissions officers will often emphasize that they don't care what you choose to write about in your essay. They stress this because most writers try too hard to meet the expectations of their imagined readers, discarding all of their own personality in the process. Of course, there's truth in their advice: you should write with the goal of expressing your own values and conveying the qualities most important to you. But you must exercise your creativity with an eye toward the themes and points that will justify your suitability for medicine. After all, your ultimate goal is not just to stand out as a likeable person, but to obtain admission to a medical school.
In addition to the challenge of crafting a fresh take on standard ideas, you face the difficulty of integrating multiple sophisticated themes into a single coherent piece. The themes can be grouped into two basic categories: those that speak to your motivation for becoming a doctor and those that demonstrate the characteristics and abilities that qualify you for the profession.
As the founder of EssayEdge.com, the Net's largest admissions essay prep company, I have seen firsthand the difference a well-written application essay can make. Through its free online admissions essay help course and 300 Harvard-educated editors, EssayEdge.com helps tens of thousands of student each year improve their essays and gain admission to medical schools ranging from Harvard to State U.
Having personally edited over 2,000 admissions essays myself for EssayEdge.com, I have written this article to help you avoid the most common essay flaws. If you remember nothing else about this article, remember this: Be Interesting. Be Concise.
Why Medicine?
Because people don't usually make career decisions based on pure reason, it can be difficult to explain why you've chosen the field you have. Moreover, your basic reasons probably look a lot like everyone else's. In this type of essay, you'll have to develop your ideas effectively and insightfully while emphasizing your uniqueness.
Medicine requires such a serious commitment that few people stumble across the idea of pursuing it late in life. It's very likely that you have always wanted to be a doctor, and that's not a fact that you should hide. But don't offer your point in such a clichéd, prepackaged way as to make your reader cringe. For example, you shouldn't start your essay, "I have always wanted to be a doctor" or "I've always known that medicine was my calling." Better to describe early experiences and then let your interest unfold naturally.
Describing the direct impact a doctor had on your life or the life of someone close to you can be an effective way to demonstrate what draws you to medicine. A twist on the "patient's perspective" approach is to describe a time when medicine failed to save or heal someone close to you. The purpose of this tactic would not be to rail against the medical profession, of course, but rather to show how a disappointing loss inspired you to join the struggle against disease and sickness.
How Are You Qualified?
The way to prove your qualification is not to list attributes you believe you possess but to discuss concrete experiences that show your abilities and qualities. As always, details are paramount. The rest of your application has already summarized your accomplishments and your activities. Show the reader what you did in concrete terms, and again, highlight your active roles.
The experiences that demonstrate your qualification are not necessarily distinct from those that explain your motivation. You shouldn't plan on dividing the essay into two separate sections for each, but rather organize the structure by topic and extrapolate insights as they develop. It's important that you think of the essay as an integrated whole, not as a checklist of questions you must answer.
Some degree of hospital experience is usually expected, though it's more essential to the "testing your interest" aspect we discussed in the last section of the course than to your qualifications. The main point you're trying to convey here is that you will work well with patients and in a clinical setting. Your shadowing experience might overlap this material, but the emphasis here is on what you learned through observation.
A strong research background helps your case, because the laboratory is such an integral part of the medical school experience. It's not possible to prove your intellectual capability through a short description of your projects, so you should try to convey such intangible qualities as creativity, initiative, and original thinking. Focus on your contribution rather than your research topic. For example, you could describe a situation where you recognized a flaw in a procedure and had the initiative to show your supervisor how efficiency could be improved. No matter how minor your contribution seems, it's better to focus on some tangible input that you had than to describe the project as a whole. As always, the key is to delineate your active role.
TOP 10 MEDICAL SCHOOL PERSONAL STATEMENT WRITING TIPS
1. Don't Resort to Clichés.Every year, medical school admissions officers read thousands of variations of this sentence: "I want to be a doctor so I can help people." It's undoubtedly true in most instances, yet it inevitably fails because it reveals nothing unique about the individual applicant. If you demonstrate a penchant for helping others by describing specific activities--community service, for example--it will become unnecessary to declare that desire, as it will already be clear. Every doctor helps people, so focus on the specific actions you have taken.
2. Don't Bore the Reader. Do Be Interesting.Admissions officers have to read hundreds of essays, and they must often skim. Abstract rumination has no place in an application essay. Admissions officers aren't looking for a new way to view the world; they're looking for a new way to view you, the applicant. The best way to grip your reader is to begin the essay with a captivating snapshot. Notice how the blunt, jarring "after" sentence creates intrigue and keeps the reader's interest.
Before: I am a compilation of many years of experiences gained from overcoming the relentless struggles of life.After: I was six years old, the eldest of six children in the Bronx, when my father was murdered.
3. Do Use Personal Detail. Show, Don't Tell!Good essays are concrete and grounded in personal detail. They do not merely assert "I learned my lesson" or that "these lessons are useful both on and off the field." They show it through personal detail. "Show, don't tell" means that if you want to relate a personal quality, do so through your experiences without merely asserting it.
Before: If it were not for a strong support system which instilled into me strong family values and morals, I would not be where I am today.After: Although my grandmother and I didn't have a car or running water, we still lived far more comfortably than did the other families I knew. I learned an important lesson: My grandmother made the most of what little she had, and she was known and respected for her generosity. Even at that age, I recognized the value she placed on maximizing her resources and helping those around her.
The first example is vague and could have been written by anybody. But the second sentence evokes a vivid image of something that actually happened, placing the reader in the experience of the applicant.
4. Do Be Concise. Don't Be Wordy. Wordiness not only takes up valuable space, but also confuses the important ideas you're trying to convey. Short sentences are more forceful because they are direct and to the point. Certain phrases, such as "the fact that," are usually unnecessary. Notice how the revised version focuses on active verbs rather than forms of "to be" and adverbs and adjectives.
Before: My recognition of the fact that we had finally completed the research project was a deeply satisfying moment that will forever linger in my memory.After: Completing the research project at last gave me an enduring sense of fulfillment.
5. Do Address Your Weaknesses. Don't Dwell on Them.At some point on your application, you will have an opportunity to explain deficiencies in your record, and you should take advantage of it. Be sure to explain them adequately: Staying up late the night before the MCAT is not a legitimate reason for a bad performance, while documented sickness could be. If you lack volunteer hospital experience, you might point out the number of hours you had to work to make college more affordable for your family. The best tactic is to spin the negatives into positives by stressing your attempts to improve; for example, mention your poor first-quarter grades briefly, then describe what you did to bring them up.6. Do Vary Your Sentences and Use Transitions.The best essays contain a variety of sentence lengths mixed within any given paragraph. Also, remember that transition is not limited to words like nevertheless, furthermore or consequently. Good transition flows from the natural thought progression of your argument.
Before: I started playing piano when I was eight years old. I worked hard to learn difficult pieces. I began to love music.After: I started playing the piano at the age of eight. As I learned to play more difficult pieces, my appreciation for music deepened.
7. Do Use Active Voice Verbs,Passive-voice expressions are verb phrases in which the subject receives the action expressed in the verb. Passive voice employs a form of the word to be, such as was or were. Overuse of the passive voice makes prose seem flat and uninteresting.
Before: The lessons that have prepared me for my career as a doctor were taught to me by my mother. After: My mother taught me lessons that will prove invaluable in my career as a doctor.
8. Do Seek Multiple Opinions.Ask your friends and family to keep these questions in mind:
Does my essay have one central theme?
Does my introduction engage the reader? Does my conclusion provide closure?
Do my introduction and conclusion avoid summary?
Do I use concrete experiences as supporting details?
Have I used active-voice verbs wherever possible?
Is my sentence structure varied, or do I use all long or short sentences?
Are there any clichés, such as "cutting-edge" or "learned my lesson"?
Do I use transitions appropriately?
What about the essay is memorable?
What's the worst part of the essay?
What parts of the essay need elaboration or are unclear?
What parts of the essay do not support my main argument?
Is every single sentence crucial to the essay? This must be the case.
What does the essay reveal about my personality?
9. Don't Wander. Do Stay Focused.Many applicants try to turn the personal statement into a complete autobiography. Not surprisingly, they find it difficult to pack so much information into such a short essay, and their essays end up sounding more like a list of experiences than a coherent, well-organized thought. Make sure that every sentence in your essay exists solely to support one central theme.
10. Do Revise, Revise, Revise.The first step in an improving any essay is to cut, cut, and cut some more. EssayEdge.com's free admissions essay help course and Harvard-educated editors will be invaluable as you polish your essay to perfection. The EssayEdge.com free help course guides you through the entire essay-writing process, from brainstorming worksheets and question-specific strategies for the twelve most common essay topics to a description of ten introduction types and editing checklists.
SAMPLE ESSAY
His eyesight was almost completely gone, yet there he was on the diamond. I met Jason last summer in Chicago, where I volunteered at a tournament for Beep Baseball, a baseball-like sport for the visually impaired. He was my age--handsome, friendly, and athletic. But Jason was blind. Struck by glaucoma, he had begun to lose his vision in his early teens. By high school, he had become legally blind. My sympathy only intensified when I learned that, had his disease been diagnosed earlier, he almost surely would have retained partial vision. Financially strapped, Jason's family had avoided taking him to a doctor for as long as they could; when he finally visited a physician, it was too late. For years I had planned to work in technology, but my encounters with Jason and others like him convinced me that medicine is my true calling.
Actually, growing up I had always planned to become a doctor, but my goals changed as I began to take computer science classes at [COLLEGE NAME]. In the first meeting of my sophomore-year class on Programming in Artificial Intelligence, Professor B joked, "You know those movies where killer robots eventually take over the world? Believe them." I did just that, placing my trust in the vast opportunities offered by computer programming. In my first computer course, I created applications that could beat a human in tic-tac-toe, calculate complex mathematical problems, and even converse with humans on a specified topic. Fascinated with the potential of these programs, I embarked on a different path, away from clinical medicine. I saw a world in which computers would change and even replace processes in every industry, and I wanted to join the researchers at the forefront of this revolution.
Five years after that first class, the potential contribution of computer technology still inspires me. The possibilities are astounding. Scientists mapped the human genome years before their original deadline. Nanotechnology promises to revolutionize the way we detect and cure diseases. Still, the more I learn about technology, the more I recognize its inadequacies. Although the "psychologist" program I created faithfully reproduces human responses, I discovered that I would never want to speak with a computer about my problems. Certain interactions simply demand personal contact. As I have tutored underclassmen in math and science, worked with athletes in the Special Olympics, and visited with patients as a volunteer at Northwest Community Hospital, I have realized that the human element in such relationships is irreplaceable. While technology may shape the future of mankind, only humanity can touch individual lives.
Jason's story touched mine, confirming my growing sense of the deficiencies in science and technology. Advances in medical knowledge and techniques are useless without parallel progress in healthcare accessibility, widespread education about health issues, and most importantly, strong doctor-patient relationships. The revolutionary treatment methods I imagined myself inventing might never have an impact on patients like Jason. On the other hand, the dedication of just a few volunteers allowed him to play the sport he had always loved. Science could not fix Jason's eyesight, but supportive doctors, volunteers, and friends could help him live a fulfilling life. Spending time with him and others convinced me that, in addition to my research in medical science and technology, I wanted to work directly with those whose ailments cannot currently be cured.
I have thus circled back to my original path towards medicine, with no regrets about the scenic route that led me here. Indeed, I am confident that I will make good use of my computer science skills as I research potential advancements in medical technology. This summer, I began work as a research assistant to Dr. C at Northwestern's Buehler Center on Aging. With Dr. C, I am developing a computer program that determines the "quality of life" of terminally ill patients. By compiling physician diagnostics and patient responses to questionnaires, the system assesses the value of given treatments as well as the efficacy of specific pharmaceuticals. Through this project, we hope to understand and improve the current care of the terminally ill. After watching Dr. C and other doctors at the medical research facility, I can now declare with confidence that I want to follow their example in my own career, combining clinical practice and research.
My work on the "quality of life" evaluation project gave me a perfect opportunity to fulfill this dual goal, and I look forward to a lifetime spent on similar pursuits. Yet I will never forget that the seeds of my current ambition arose not in the laboratory or at the health center, but on a baseball diamond filled with people playing a game they likely thought they would never play again. In my own career as a physician, I will strive to serve my patients not only as a healer, but also as a friend, supporting them in their toughest moments, and as a mentor, guiding them to live healthy lifestyles. Robots may assist in my endeavors, but they will never possess the compassion of my fellow physicians and me.
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Can credit repair companies be trusted?

Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can they really make such sweeping guarantees?
While some credit repair companies are outright frauds, others are not fraudulent and they use the dispute process to obtain impressive results. In fact, they delete thousands of negative credit listings every day. There is a company called, Lexington Law who has been doing it for 15 years. Click Here to learn more.
Unfortunately, it is risky to trust anyone to help you restore your credit. It is estimated that fraudulent credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these "credit doctors" only to discover that their advertisements proved far more impressive than their results. Hiring a credit repair company is like playing Russian roulette. Many of them are effective and legitimate, but it is difficult to tell a rip-off from the real article.



So, can credit repair companies guarantee results?



Not a chance! No credit repair company is so good that it can guarantee a specific outcome. It would be like a defense lawyer guaranteeing that the jury will find his client innocent. Guarantees are a sure sign of credit repair fraud. A warranty, where the credit repair company promises a refund if certain results don't occur, is a better, more realistic claim. Lexington Law is a respectable company that we recommend.
Not surprisingly, the credit bureaus have declared war against the credit repair companies and those selling instruction on how to do-it-yourself. The bureaus lambaste credit repair companies in the media and send anti-credit repair literature to anyone whom they suspect of using credit repair services. The bureaus unflinchingly deny that accurate information can be removed from a credit report.
The simple truth is that you do not have to endure bad credit for seven to ten years as long as you feel comfortable challenging the accuracy or verifiability of your credit listings. If so, it is possible to restore creditworthiness within a much shorter time.
However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and restored their credit. They can show you their homes, cars, and credit cards. Despite the newspaper articles, TV reports, and other credit bureau propaganda to the contrary, the simple truth remains: you can restore your credit. Learn More.


Can Bad Credit Be Deleted or Fixed?


Are you living the lifestyle that you really want?

Yes, it can. Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit listings are deleted from peoples' credit reports by the thousands each and every day.


A few years ago, an attorney from Lexington Law. visited with a regulatory agency for a casual conversation with two agents. The Agency's office, as a matter of course, believed the credit bureaus' claim that bad credit couldn't be deleted. The visiting Lexington attorney asked, "How many negative listings would you have to see deleted from consumer credit reports before you would believe that bad credit can be deleted: ten? fifty? a hundred? one thousand?" The agents responded with only blank stares.
"How about 50,000 deleted listings, would that convince you?" continued the Lexington attorney. From his briefcase he pulled a stack of papers six inches high.
"In these pages, we have listed the permanent deletion of over 50,000. listings from our clients' files in the last two years alone," he explained. The agents pulled the stack across the conference table and began to pick through the pages, taking in the massive list.
"But have you deleted any bankruptcies?" shot back one of the agents, "we know that bankruptcies can't be deleted." The Lexington attorney leaned across the table and ran his finger down the first page.
"There's one deleted bankruptcy... and, there's another,... and another,... and another. Should I go on?" asked the Lexington attorney.

The agents sat back in their chairs. "You know," began the junior agent, "I have this one listing on my credit report that simply must belong to somebody else..."

How is credit repair possible?




The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. Learn More.








Understanding Your Credit Score


Get Equifax Score Power

Your Credit Score is used by
anyone loaning you money. Credit card companies, home equity lenders, auto
loan lenders and finance companies all use a model created by Fair, Isaac
and Co, the San Rafael, California company that pioneered credit scoring 40
years ago and dominates the field today. This score is most often known as
FICO and serves as a snapshot of your credit history.


A low score can raise the price of your loan and a very
low score can mean denial of your loan completely. Here
are the approximate percentages that determine your FICO Score.



  • Payment history (35%). The
    largest factor determined on your FICO score is your basic payment
    history. The number of unpaid bills you have, any bills sent to
    collection, bankruptcies etc... The more recent the problem, the lower
    your score
    .

  • Outstanding Debt (30%). Are
    your cards maxed out? High balances or more precisely, balances that are
    close to your credit limit can negatively effect your score. Keep your
    balances below 30%.

  • Length of your credit history (15%).
    How long have your accounts been open? The longer, the
    better.

  • Recent inquiries (10%).
    Every time you apply for credit of any kind, you create an inquiry on
    your credit report. Lots of Inquiries negatively effect your score.


  • Types of credit in use (10%).
    Current loans from finance companies. How many and how
    much.


Your score will range between 300 and 870. The
higher the better. As your score increases, your credit risk decreases.
Exact numbers differ by lending institution but the average high approval
score is 680 or above. Often times your score is taken from all three
credit reporting companies and the middle score or average score is
used.


Depending on the lending institution, your score can
cost you. Some lenders will charge a higher interest rate if your score is
below 600


When you apply for credit your score does not come
directly from FICO. Instead each bureau has its own version of the rating
system with its own name.


Equifax is called Beacon

Trans Union is Empirica

Experian is Experian/Fair Issac


A credit score of 680 or above can save you money,
especially for home loans. If you are considering a significant loan you
will want to be sure to check your credit reports first. If negative items
appear on your report you have two choices. Live with it for 7 to 10 years
or dispute these items. For more information on repairing bad credit Click
Here
.










My Way News - Flat Panels Drive Old TVs From Market

My Way News - Flat Panels Drive Old TVs From Market: "REDWOOD CITY, Calif. (AP) - The lone conventional television set at Anderson's TV store sat along a side wall like a castoff. Its screen was dark as dozens of other gleaming flat-panel and big-screen models flashed nearby with vivid color images.
The staff at the Redwood City store hadn't even bothered to turn on the cathode-ray tube TV until a reporter asked to see it on a recent afternoon.
The obvious neglect reflected the wallflower status of today's CRT TVs, as well as the mature technology's doomed future. Experts say the old-fashioned boob tube that catered to generations of Americans will soon be all but extinct.
'It's already dead, but it doesn't know it yet,' said Jon Paul Belstler, an audio/video consultant at Anderson's. 'It's just trying to hang on.'
Across stores and in homes, sleek LCD and plasma televisions are taking over.
In North America, sales of the bulky traditional TVs are in steep decline.
By next year, the tube TV will cede its crown of dominance to LCD sets for the first time, according to the market research firm iSuppli Corp. Sales of CRTs will fall from an estimated 14.4 million units this year to 10.4 million in 2007, while sales of LCD TVs are predicted to rise from 10.9 million units to 17.8 million."

How to get the best car loan with Harbor Credit

How to get the best car loan with Harbor Credit



Every Harbor Credit car loan application is approved on an individual basis. That means each customer, whether they have good credit, bad credit, or something in between, will be contacted by a lending institution to discuss their car loan. If there is a lender in our coverage area that can help, we promise they'll contact you to discuss the details of your application. To help speed the process, we recommend keeping an up-to-date credit report on hand, along with information regarding the new car you are interested in.


Apply today to get a free car loan quote




Research car prices


While searching for a new car, determine what average prices are, so you can
recognize the difference between a good and not-so-good offer. With your own
comprehensive research, you’ll end up paying a price closer to invoice, rather
than MSRP.


Get price quotes


Choose a limited number of cars (possibly three) you are seriously interested
in and get free price quotes from local dealers. This process will include
“building” your car – choosing year, make, model, trim, exterior color, interior
color, etc. – and determining your method of payment as well as the trade in
value of your current car. You’ll be asked to supply your personal information –
first, last name, phone number, etc. – along with the ideal time for a
dealer/sales manager to contact you. This usually occurs within 24 hours and he
or she will ask you to provide a few more details on the car you “built.” During
this phone call, be sure to request prices with all applicable taxes and charges
included, commonly referred to as the “out-the-door price.”


Negotiating your new car purchase


With the lowest quote in hand, contact your preferred dealers and see if
they'll match or beat it. (Dealers tend to compete with each other because they
want your business.) Consider negotiating online as this pseudo-dialogue can
provide you with hassle-free process. It is much easier to stop an email string
than it is to walk out of a dealership with a salesperson shouting “bigger and
better deals” at you, hoping you’ll sit back down. Either way, once you find an
ideal price and have read through all the fine print (and most of all, are
comfortable with the deal), purchase that car!


Get started today!

Become A Real Estate Agent In Pennsylvania

Become A Real Estate Agent In Pennsylvania
Article Summary: This article will help anyone looking for information pertaining to a real estate license in the state of Pennsylvania or anyone looking to become a real estate agent or realtor in Pennsylvania. Contents of this article may include information on real estate education, schools, training courses, continuing education, tests and exams, laws, license requirements, renewal information, forms and more.

--------------------------------------------------------------------------------

The Pennsylvania Real Estate Commission functions under the Pennsylvania Department of State’s Bureau of Professional & Occupational Affairs. The Bureau was established in 1963 to provide administrative services to the various professional commissions. The main office of the Commission is in Harrisburg.

The requirements for a real estate salesperson license in Pennsylvania include being at least 18 years of age and having successfully completed four credits, or 60 hours, of approved real estate education. Applicants who have a bachelor’s degree with a major in real estate from an accredited college or university may have the 60 hour requirement waived, and those with a juris doctor degree from an accredited law school may also waive the education requirement. Applicants who have some real estate courses at an accredited school may receive some credit for these toward the salesperson requirement. Applicants having a real estate broker license in another jurisdiction may be allowed two education credits for each full year of active practice during the preceding ten year period. All real estate courses need to have been completed within the ten years preceding passing the real estate exams, and applicants must apply for their salesperson license within three years of passing the real estate exams. All real estate salesperson applicants need to be sponsored by a licensed Pennsylvania real estate broker who will be overseeing their activities.

The requirements for a real estate broker license in Pennsylvania include being at last 18 years of age and having successfully completed the education requirement and passed the real estate examinations. Broker applicants must supply recommendations from one broker and two unrelated people who own property in the county where the applicant has a place of business. If real estate brokers have been inactive and non-renewed for more than five years, then they must re-take the real estate examination. Licenses will not be issued to a post office box number as brokers are required to have a physical location for doing business and the Commission will do an office inspection prior to issuing the license. The office of a sole proprietor must have a sign displayed outside which bears the office name exactly is it appears on the license.

All real estate agent applicants must provide the Commission with a criminal background check no older than 90 days. If an applicant has ever been convicted of a felony or misdemeanor, including any drug law violation, full information needs to be provided to the Commission.

The approved real estate schools for prelicensure are located throughout the state. The approved continuing education courses, and the real estate schools where they may be taken, include many distance education and internet options.

The real estate exams in Pennsylvania are handled by PSI Examination Services (http://www.psiexams.com), and the examination fee is $56.00. Broker applicants pay an addition $40.00 for the review of their qualifications before taking the examination.

The license fee for a real estate salesperson in Pennsylvania, for applications submitted between June 1 of an even-numbered year through May 31 of an odd-numbered year, is $89.00, plus $10.00 for the Recovery Fund Fee (unless previously paid). The license fee for a salesperson for applications submitted between June 1 of an odd-numbered year through May 31 of an even-numbered year is $57.00 plus the $10.00 Recovery Fund Fee. The fees are non-refundable.

The license fee for an associate real estate broker or real estate broker in Pennsylvania for applications submitted between June 1 of an even-numbered year through May 31 of an odd-numbered year, is $159.00. The license fee for either the associate broker or broker for applications submitted between June 1 of an odd-numbered year through May 31 of an even-numbered year is $117.00. All fees are non-refundable.

All real estate agent licenses expire on May 31st of every even-numbered year. You may renew a license during the preceding 2 or 3 months. Renewal fee for a salesperson license if $64.00 and for a broker license is $84.00. In order to renew a license all agents must successfully complete 14 hours of approved continuing education courses during each two-year license period. If a license has been on inactive status the applicant must document having completed the 14 hours of continuing education. There is a $5.00 per month late renewal fee.

All Pennsylvania real estate forms and license information are available online.

Real estate careers are strengthened by membership in the many organizations that provide services for the professional agent. Organizations like the Pennsylvania Association of Realtors and the National Association of Real Estate Brokers (http://www.nareb.com) (NAREB) assist many in locating real estate jobs within the industry. The Association of Real Estate License Law Officials (http://www.arello.org) (ARELLO) and The National Association of Realtors (http://www.realtor.org) (NAR), the world’s largest professional association, are excellent resources for professional enrichment and real estate education.

Friday, October 20, 2006

My Way News - Sony Shows Off PlayStation 3, New Games

My Way News - Sony Shows Off PlayStation 3, New Games: "SAN FRANCISCO, Calif. (AP) - As the countdown to its Nov. 17 U.S. launch neared, Sony Corp. (SNE) showed off its PlayStation 3 game console Thursday and named 22 titles that will be available at the same time.
The games at launch will run the genre gamut, from racing and war games to updated, more powerful versions of popular sports titles - 'the most robust game lineup' of any new-generation game system, boasted Kaz Hirai, president and chief executive of Sony Computer Entertainment America.
Sony's own in-house developed titles, such as a first-person shooting game called 'Resistance: Fall of Man' will be $59.99.
Other games that will be available for download directly onto the PS3 will be priced at $14.99 or less, Sony officials said.
Prices of certain accessories also were disclosed: $50 for an extra wireless controller; $15 for a memory card adapter; and $25 for a remote control for the system's built-in Blu-ray disc drive player.
The console is already the most expensive among the new generation of game systems with a price tag of $500 or $600, depending on the model, but analysts say Sony's dominance in the video game market still will dictate its success.
Sony has sold 106 million PlayStation systems globally, including 40 million of them in the U.S., while Nintendo Co. has sold roughly 21 million GameCubes, and Microsoft Corp. (MSFT) has sold about 23 million Xbox systems, said P.J. McNealy, an analyst at American Technology Research.
'At the end of the day, Sony still has tremendous brand loyalty here, and they'll sell millions,' he said.
Sony officials were equally optimistic."

My Way News - Microsoft Partners Fuming Over Vista

My Way News - Microsoft Partners Fuming Over Vista: "SAN JOSE, Calif. (AP) - Microsoft Corp. (MSFT) is no stranger to antitrust skirmishes and complaints from competitors about unfair business practices.
But the latest fight over its upcoming Vista operating system pits Microsoft against an unlikely adversary: the security software vendors who are some of its most intimate partners in protecting its notoriously vulnerable systems from attacks.
As Vista's planned release nears, the company is facing a backlash from such vendors as Symantec Corp. (SYMC) and McAfee Inc. (MFE), which argue that even the concessions Microsoft recently made to appease European antitrust regulators won't do enough to help them best protect their customers.
'We've been talking to them for over two years on this issue,' said Rowan Trollope, Symantec's vice president for consumer engineering. 'And now (with) basically a very short amount of time before the operating system comes out, we're not in a good position to provide that security to our customers.'"

Thursday, October 19, 2006

Google profit nearly doubles | CNET News.com

Google profit nearly doubles | CNET News.com: "Google's third-quarter profit nearly doubled from a year ago as sales of keyword-related advertising continued to grow for the world's top Web search engine.
'Business is very, very good here at Google. We had an excellent quarter in all respects, especially in international,' Google Chief Executive Eric Schmidt said in a conference call Thursday after the results were released.
During the quarter, Google saw strong user growth and improvements in search quality and ad sales, Schmidt said.
The news sent Google's stock up shares rising nearly 8 percent to $459.51 in after-hours trade, after closing at $426.06. The earnings announcement was made right after the market closed."

Wednesday, October 18, 2006

My Way News - HP Passes Dell in World PC Shipments

My Way News - HP Passes Dell in World PC Shipments: "SAN FRANCISCO (AP) - Hewlett-Packard Co. supplanted Dell Inc. (DELL) as the world leader in personal computer shipments during the third quarter, returning the bragging rights to Silicon Valley for the first time in nearly three years, according to figures released Wednesday by two influential research firms.
Both Gartner Inc. (IT) and IDC pegged the overall third-quarter growth of the global PC market at just under 7 percent, but that trend was overshadowed by the industry's new pecking order.
The changing of the guard occurred after HP's shipments climbed by 15 percent from a year ago while Dell's edged up by less than 4 percent.
By Gartner's measure, Palo Alto-based HP shipped 110,000 more PCs than Dell to give it a 16.3 percent share of the global market compared to 16.1 percent for its Round Rock, Texas-based rival."

My Way Finance

My Way Finance: "SAN FRANCISCO (Reuters) - Apple Computer Inc. (AAPL) on Wednesday posted a 27 percent rise in quarterly profit, buoyed by strong sales of its Macintosh computers and higher shipments of its iPod digital music players, results well above analyst estimates and the stock surged.
Apple said net income for its fourth fiscal quarter ended September 30 rose to $546 million, or 62 cents per share, from $430.0 million, or 50 cents per share, a year ago. Revenue climbed 32 percent to $4.84 billion."

Monday, October 16, 2006

My Way News - Google to Convert HQ to Solar Power

My Way News - Google to Convert HQ to Solar Power: "SAN FRANCISCO (AP) - Google Inc. (GOOG) is converting its renowned headquarters to run partly on solar power, hoping to set an example for corporate America.
The Internet search leader announced what is believed to be the largest solar project undertaken by a U.S. company during a solar energy conference in Silicon Valley on Monday. Google believes the sun eventually can deliver as much as 30 percent of the power at its 1-million-square-foot campus in Mountain View - a suburb about 35 miles south of San Francisco.
The ambitious project will require installing more than 9,200 solar panels on a high-tech mecca nicknamed the 'Googleplex.' After leasing the offices for several years, Google bought the campus for $319 million earlier this year.
Once they're in place next spring, the solar panels are expected to produce about 1.6 megawatts of electricity, or enough power to supply about 1,000 homes.
The job is being handled by Pasadena-based EI Solutions, part of a high-tech incubator run by entrepreneur Bill Gross, whose idea to link ads to search engine requests during the 1990 inspired the business model that generates most of Google's profits.
Google wouldn't disclose the project's cost, but it won't strain a company with nearly $10 billion in cash."

Friday, October 13, 2006

My Way News - YouTube Confusion Shuts Down Utube Site

My Way News - YouTube Confusion Shuts Down Utube Site: "TOLEDO, Ohio (AP) - YouTube's enormous popularity has created a big headache for another 'utube' - a company that sells used machines that make tubes.
Universal Tube & Rollform Equipment Corp.'s Web site, utube.com, was inaccessible for most of the week, overwhelmed by millions of people looking for the popular online video site.
The confusion took off a couple of months ago, said Ralph Girkins, Universal Tube's president.
The company with just 17 employees got 68 million hits on its site in August, making it one of the most popular manufacturing Web sites.
The site shut down last weekend just before Google Inc. (GOOG) announced plans Monday to buy YouTube for $1.65 billion. A move to a new server didn't help, but by late Thursday Universal Tube's site was back up after the company added more capacity.
'We couldn't work on it, couldn't do anything,' Girkins said Friday. At least 50 customers called during the week to point out the problem, he said.
He hasn't figured out yet how much it has cost to get the site running."

My Way News - YouTube Confusion Shuts Down Utube Site

My Way News - YouTube Confusion Shuts Down Utube Site: "TOLEDO, Ohio (AP) - YouTube's enormous popularity has created a big headache for another 'utube' - a company that sells used machines that make tubes.
Universal Tube & Rollform Equipment Corp.'s Web site, utube.com, was inaccessible for most of the week, overwhelmed by millions of people looking for the popular online video site.
The confusion took off a couple of months ago, said Ralph Girkins, Universal Tube's president.
The company with just 17 employees got 68 million hits on its site in August, making it one of the most popular manufacturing Web sites.
The site shut down last weekend just before Google Inc. (GOOG) announced plans Monday to buy YouTube for $1.65 billion. A move to a new server didn't help, but by late Thursday Universal Tube's site was back up after the company added more capacity.
'We couldn't work on it, couldn't do anything,' Girkins said Friday. At least 50 customers called during the week to point out the problem, he said.
He hasn't figured out yet how much it has cost to get the site running."

Thursday, October 12, 2006

My Way News - Sony Fights IPod With New Walkman Models

My Way News - Sony Fights IPod With New Walkman Models: "Sony Corp. (SNE) unveiled its lastest Walkman digital music players Thursday, vowing to battle Apple Computer Inc.'s iPod juggernaut with superior sound quality.
The latest models, which go on sale in the U.S. next month, will be the first of Sony's digital music players to have built-in noice-cancellation technology. The company has already implemented it in some of its headphones.
Apple's iPod commands top market share in Japan, with some research putting its share at about half or higher. Sony has only recently pushed its market share in Japan to about 20 percent, company officials said.
'In one sense, the products are competing against the iPod, but in another sense they are more about Sony's strengths,' said Hiroshi Yoshioka, a Sony executive overseeing the audio equipment business.
The new Walkman also will let users upload music from a CD directly to the portable player without a computer. The music transfer will require an additional cable or cradle accessory to connect the Walkman to a CD player.
Sony plans to offer two models - a 2-gigabyte version for $200 and a 1-gigabyte version for $170.
Sony, which has been tackling a turnaround for more than a year, has recently succeeded in boosting global market share in flat-panel TVs, where it had also fallen behind rivals."

Tuesday, October 10, 2006

Report: Mitsubishi to sell electric car in U.S. - Oct. 10, 2006

Report: Mitsubishi to sell electric car in U.S. - Oct. 10, 2006: "NEW YORK (CNNMoney.com) -- Mitsubishi Motors Corp. plans to sell an electric car in the United States, according to a report in an industry newspaper.
A detailed announcement about the planned car is expected soon, Automotive News reported Monday.

No date has been set for the car's introduction, according to the report
No major automaker currently sells a purely electric-powered car that can be used on public roadways in the United States."

Monday, October 09, 2006

My Way News - Google Snaps Up YouTube for $1.65B

My Way News - Google Snaps Up YouTube for $1.65B: "SAN FRANCISCO (AP) - Internet search leader Google is snapping up YouTube for $1.65 billion, brushing aside copyright concerns to seize a starring role in the online video revolution.
The all-stock deal announced Monday unites one of the Internet's marquee companies with one of its rapidly rising stars. It came just a few hours after YouTube unveiled three separate agreements with media companies to counter the threat of copyright-infringement lawsuits.
The price makes YouTube Inc., a still-unprofitable startup, by far the most expensive purchase made by Google during its eight-year history. Last year, Google spent $130.5 million buying a total of 15 small companies.
Although some cynics have questioned YouTube's staying power, Google is betting that the popular video-sharing site will provide it an increasingly lucrative marketing hub as more viewers and advertisers migrate from television to the Internet."

My Way Finance

My Way Finance: "NEW YORK (Reuters) - Internet search leader Google Inc. (GOOG) could announce a deal to buy top online video service YouTube Inc. as early as Monday, a source familiar with the matter said, following a spate of programming distribution deals that could clear legal hurdles to an acquisition,
The board of directors of both companies are meeting to vote on the estimated $1.65 billion deal, the Wall Street Journal reported on its Web site, citing an unnamed source.
YouTube has been the target of criticism in the media industry for allowing pirated video clips to be uploaded and viewed on its service.
The programming agreements follow media reports that Google is in talks to buy the 19-month old YouTube, which lets users share home-made videos. If consummated, Google would vault to the top of the Internet video sector, ahead of Yahoo Inc. (YHOO) and Time Warner Inc.'s (TWX) AOL."

Saturday, October 07, 2006

My Way News - Google Reportedly Talking With YouTube

My Way News - Google Reportedly Talking With YouTube: "SAN FRANCISCO (AP) - Internet search leader Google Inc. (GOOG) is in talks to acquire the popular online video site YouTube Inc. for about $1.6 billion in cash and stock, according to published reports.
Mountain View-based Google and San Mateo-based YouTube are still at a sensitive stage in the discussion, The Wall Street Journal and The New York Times reported on their Web sites Friday, citing unnamed people familiar with the negotiations.
The blog TechCrunch had reported on rumors of the acquisition talks. Google and YouTube officials declined comment.
Analysts said a Google acquisition of YouTube would make sense for both companies if the reported talks lead to a deal, especially considering Google's $10 billion in cash on hand."

Tuesday, October 03, 2006

EU weighing charges against Intel | CNET News.com

EU weighing charges against Intel | CNET News.com: "A European Commission review panel weighed evidence against Intel this week to decide whether to bring formal antitrust charges for competing unfairly against rival Advanced Micro Devices, a source familiar with the situation said Tuesday.
The Commission has been investigating Intel to determine if it used illegal techniques such as unfair rebates to prevent smaller AMD from expanding its market share. "

__________________SEE LINK ON TOP FOR COMPLEATE REPORT_________________________

It seem that the EU whants to make money from all big US companies 1 billion here 500 million there 3 millions a day for that and so on. If I will have to bet on the next target I will said it will be any of these. General Electric, Dell or Apple. Ohhhhh I almost forgo. They will love to take money out of Boeing and use it to finance Airbuse. Shame on theme.

Sony plans its own battery recall | CNET News.com

Sony plans its own battery recall | CNET News.com: "update Sony is planning to announce a massive battery recall of its own, the Consumer Product Safety Commission (CPSC) confirmed.
The recall, expected this month, will encompass all possibly defective batteries, including those previously announced by manufacturers for specific notebook computers, said Julie Vallese, director of the Office of Public Affairs at the CPSC. But it is not expected to extend to batteries for devices other than laptops.
Sony makes lithium ion batteries for an array of electronics devices, including camcorders, portable DVD players and video game consoles. Contrary to a blog of Consumer Reports, which first reported the potential recall, though, only notebook batteries are currently covered, according to the CPSC and Sony, which would jointly conduct the recall."

Ha ha. The Firefox zero-day flaw is a hoax - Alpha Blog - alpha.cnet.com

Ha ha. The Firefox zero-day flaw is a hoax - Alpha Blog - alpha.cnet.com: "Over the weekend, Mischa Spiegelmock and Andrew Wbeelsoi told a crowd at the Toorcon security conference in San Diego they had found and exploited a flaw in the way Firefox handles JavaScript. Now they say they made it up, that the code presented does not, as they insisted over the weekend, compromise a vulnerable PC. Security experts are not laughing, however. For more on their story, see Joris Evers' report on News.com."

My Way News - Sony Shares Fall on Playstation Concerns

My Way News - Sony Shares Fall on Playstation Concerns: "TOKYO (AP) - It has been an annus horribilis for Sony. The Japanese electronics company has been hit with a string of embarrassments that have dented its reputation for quality.
Already reeling from a string of laptop battery recalls, Sony Corp. (SNE) saw its shares drop nearly 3 percent Tuesday amid fresh worries about the upcoming release of its much-anticipated PlayStation 3 video game console.
Sony has already twice delayed the product's launch amid intensifying competition from rivals Microsoft and Nintendo.
The PlayStation 3 will hit stores in Japan on Nov. 11 and in the United States on Nov. 17. In Europe, they won't go on sale until March, four months later than planned.
Investors worried about the product after Macquarie Equities analyst David Gibson wrote in a report that PlayStation 3 units on display at the Tokyo Game Show about 10 days ago operated erratically and had to be repeatedly reset."