Choosing Credit Cards overs Debit Cards

Credit cards have a few key advantages over debit cards and cash, they are far way more convenient. If you’d like to get more info about them then be sure to visit this website.

What Are The Lowest APR Credit Cards Available? | moneyfacts.co.uk

How card and debit cards work

When you make a purchase using your card, you make the amount of the purchase in small increments and add them to a prepaid card. This prepaid card is typically worth the exact amount you made, plus a small service charge to lock in the value of the charge, typically 1-2% per use.

Keep in mind that your card’s numbers are frequently derived from your Social Security number, and as such, your card’s security features are likely to be compromised. In addition to your own private information, card theft and fraud are just one threat that card issuers are especially responsible for to protect against.

Because card transactions usually are based on a person’s name and SSN, if those details are stolen, your bank’s point of sale system is automatically linked to the identity of the cardholder. Cardholders are then subjected to card-based fraud when they pay with cards or in person. The way card fraud is typically uncovered depends on how victims react to fraud alerts they receive and report the crime. Some card issuers may issue fraudulent chargebacks or take steps to detect fraud itself, while others may wait for further evidence before suspending a customer’s card.

Debit cards and credit cards

Credit cards and debit cards are not the same thing. At least, not all credit cards and debit cards work in the same way. Some debit cards work by having their own codes on the back of the card, while others use your credit card number to access them. You can use your debit card in place of your credit card, as well as use the debit card to make online purchases. In the case of online purchases, the online payments network also provides the authorization code for the credit card payments.

Unlike debit cards, there are generally no fees associated with either type of credit card. But beware that the payee, for example, is sometimes paid by credit card or debit card to which the payee has restricted access. Additionally, some banks and credit card issuers may charge additional fees to use multiple debit cards.

Windows 7 Power Efficiency Diagnostics Report

Finally… a OS power efficiency report for Windows! This can help laptop users determine if a driver is bad or not installed, or if the battery is charging completely.

1. To run click on the start button and type “CMD” in the search bar.

2. Type in the command “powercfg -energy” and press enter.

This process will give you a general report shown is the command prompt and also build a nice html report. In my case it put the html file on the C: drive at C:\energy-report.html.

3. Navigate to the report using Windows Explorer and open the html file with your browser (Internet Explorer, Chrome, Firefox, etc.)

4. The report will show you programs that are consuming CPU time AKA power.

For laptop users testing the battery charge:
Near the bottom of the report is information about CPU utilization, processes, and this little gem (screen shot above) This report can help troubleshoot battery usage and charge capacity. This gives admin’s a great way to decide when a battery should be replaced. If the last full charge is consistently dropping from the design capacity it may be time to replace the battery.

With this report Admins can tweak power profiles to realize the maximum benefits of new power efficient computer systems.

Some more info about energy costs:
A kilowatt-hour means using 1000 watts of electricity for 1 hour. Ten 100-watt light bulbs lit for one hour would equal 1 kilowatt hour, or one 100 watt bulb lit for ten hours would equal 1 kilowatt-hour, costing 10 cents. So if one 100 watt bulb costs 10 cents to run for 10 hours and there are 8760 hours in a year, and you push a few buttons on a calculator (876 x .10), you’ll find that the actual cost is $87.60!

My power is now 11 cents per kilowatt-hour, so the cost is now 876 x .11, = $96.36 per year.

If you plan on leaving that 100 watt bulb on a lot, it is worthwile to buy the compact fluorescent version, that uses about 20 watts for the same brightness. (20 watts for 1 year at 11 cents per kilowatt-hour = $19.27 , or about 20 cents on the dollar)

An electric clothes dryer or water heater can use four to six thousand watts. Fortunately, they only operate for short periods of time. (4000 watts for 1 hour at 10 cents would be 40 cents.)

Cost = rate x energy, which contains these units:
$ = $/kWh x kWh

The average computer tower consumes 400 watts. If you have your computer on for 4 hours a day then you used .4 kilowatt-hours which is about $0.44… That can really add up. About $160.60 per computer per year if you use it for 4 hours a day.

Some large television sets can use several hundred watts of power. So if you’re a couch potato, add it up

How to get Active Directory Users and Computers with Exchange Management Tools working in Windows 7

h3>1. Install the w7 AdminPak (RSAT)

Remote Server Administration Tools for Windows 7 Release Candidate (RC)


2.Install IIS and Remote Server Admin Tools (Active Directory Users and Computers)

Use the “Turn Windows features on or off” feature to add IIS Stuff and the RSAT Stuff


4. Copy some files to your windows system32 foolder.

I used the files from my XP installation with these bat files, you will have to get them yourself
(REMEMBER: you need to run the cmd promt as administrator, use the one in accessories, right click it)

Text file of files that need to be copied

Bat file to copy from old install (assuming D:\windows\system32)

If you dont have these files available, you might find them here

5. Register the files

(same deal with cmd promt as administrator)


regsvr32 /s adprop.dll
regsvr32 /s ws03res.dll

Batch file here

5. Vista ESM

Download from here


Run it to extract the MSI, then run the MSI from command prompt (with admin rights!) with the /q switch to get rid of the ‘not for vista’ error

eg: c:\users\you\downloads\esmvista\esmvista.msi /q

Wait at least 10 minutes while it does its thing.

It is is a silent install, you wont see anything, but I have had cases of it breaking because people started AD too soon.

6. Run Active Directory

Run Active Directory users and computers from your start menu.

Audacity – Sound and Music Recording Software (FREEWARE)

Audacity® is free, open source software for recording and editing sounds. It is available for Mac OS X, Microsoft Windows, GNU/Linux, and other operating systems. Get if free from http://audacity.sourceforge.net/download/.


Audacity can record live audio through a microphone or mixer, or digitize recordings from cassette tapes, vinyl records, or minidiscs. With some sound cards, it can also capture streaming audio.

  • Record from microphone, line input, or other sources.
  • Dub over existing tracks to create multi-track recordings.
  • Record up to 16 channels at once (requires multi-channel hardware).
  • Level meters can monitor volume levels before, during, and after recording.

Import and Export

Import sound files, edit them, and combine them with other files or new recordings. Export your recordings in several common file formats.

  • Import and export WAV, AIFF, AU, and Ogg Vorbis files.
  • Import MPEG audio (including MP2 and MP3 files) with libmad.
  • Export MP3s with the optional LAME encoder library.
  • Create WAV or AIFF files suitable for burning to CD.
  • Import and export all file formats supported by libsndfile.
  • Open raw (headerless) audio files using the “Import Raw” command.
  • Note: Audacity does not currently support WMA, AAC, or most other proprietary or restricted file formats.


  • Easy editing with Cut, Copy, Paste, and Delete.
  • Use unlimited Undo (and Redo) to go back any number of steps.
  • Very fast editing of large files.
  • Edit and mix an unlimited number of tracks.
  • Use the Drawing tool to alter individual sample points.
  • Fade the volume up or down smoothly with the Envelope tool.


  • Change the pitch without altering the tempo, or vice-versa.
  • Remove static, hiss, hum, or other constant background noises.
  • Alter frequencies with Equalization, FFT Filter, and Bass Boost effects.
  • Adjust volumes with Compressor, Amplify, and Normalize effects.
  • Other built-in effects include:
    • Echo
    • Phaser
    • Wahwah
    • Reverse

Sound Quality

  • Record and edit 16-bit, 24-bit, and 32-bit (floating point) samples.
  • Record at up to 96 kHz.
  • Sample rates and formats are converted using high-quality resampling and dithering.
  • Mix tracks with different sample rates or formats, and Audacity will convert them automatically in realtime.


  • Add new effects with LADSPA plug-ins.
  • Audacity includes some sample plug-ins by Steve Harris.
  • Load VST plug-ins for Windows and Mac, with the optional VST Enabler.
  • Write new effects with the built-in Nyquist programming language.


  • Spectrogram mode for visualizing frequencies.
  • “Plot Spectrum” command for detailed frequency analysis.

Free and Cross-Platform