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[other]Getting a credit card after bankruptcy is a choice that most individuals will one day need to consider. Finding a credit card company that is willing to issue you a credit card can be a little daunting.

There are many reasons that might force an individual to file bankruptcy. Whether you lost your job and was forced to take a lower paying job, health reasons, life choices, fraud, down turn in the market, and too many others to even list. What some credit card companies do not understand is that “good” people sometimes need to file bankruptcy so they can get back on their feet and become a part of the economical society again.

I have noticed companies like CitiBank like to include a clause on their applications “my credit history is clear of bankruptcy” that you must check. In my opinion, just skip those companies all together. If they can not understand, that possibly a major life event knocked you down, but now you are back on your feet and stronger than ever, then they do not deserve your business.

One company I have found that is willing to work with you, is GE Capital. You will notice they do not have the “my credit history is clear of bankruptcy” terminology on their application and you have a very good chance of restoring your credit history by choosing them as a partner.

For those people that think getting a credit card is a bad idea after bankruptcy, well that is a personal decision. In this day and age you really need some form of credit and there are companies that only accept credit card. As long as you are careful and spend within your means, I personally think it is a wise decision, as long as you can keep control of your finances. Now, getting a credit card because you do not have enough money at the end of the month, is not a good decision. That means you are NOT living within your means so I highly do not recommend one then.

[tech]I think in my previous articles, Backup up your cell phone in three easy steps and Dropbox or Copy, I might have given people the impression that the Copy was ONLY for backing up your cell phone pics. That is actually just an awesome benefit of the copy service, where it really shines is when you install it on your computer or laptop and use it as a ton of FREE online Cloud storage.

After signing up for the copy service (remember click this link and you get an EXTRA 5 GIGS totally free for a total of 20 GIGS!) Sure, you can (and should) install it on your android or apple phone, but definitely install it on your computer too. It simply creates an extra folder on your computer called “Copy” (imagine that). Then, whatever files or folders you put in that “copy” folder is “mirrored” to the cloud. Now, notice I said “mirrored”, that is very important because if you delete the file from your computer, it deletes it from your copy account online too. So that is why it is NOT a true backup service (no cloud storage used in this way EVER is a backup). Think of it as a duplicate if your computer crashes, but if you delete, rename, or move the file, it will do the same in your cloud storage folder.

Now from any computer connected to the internet, or even your phone, you can browse to that file. Now, if you have it installed on your phone, it will not download a copy of the files to keep it in sync with your cloud storage, which is a good thing since most phones do not have that type of available space but If you install it on your home computer and a laptop, it will download a copy to each computer and keep everything in perfect sync, which is ideal for most of us. Imagine you can now work on a file or edit a photo, rename files, or do whatever on the road and it updates the file on your home computer. No more lost revisions! You can tell it not to do this per folder if you like though, maybe if you have limited space on one of your devices or simply choose not to use this feature.

You should always keep a separate copy of all your important files on another service or external hard drive, that’s the only way to have a true backup, and I recommend at least two other devices. This is a quick way to achieve a partial quick copy though.

Remember if you click the link above or here it will give you an extra 5 Gigs free, I don’t know how long they will have this offer, but why miss out on a total of 20 FREE GIGS! Plus I get 5 Gigs free for referring you, so I certainly appreciate it.

Take care and God Bless.

I found a great program today offered through DTE energy, that allows you to round up your bill to the nearest dollar, as a donation.

It is meant to help people that are above the federal poverty level but still have a hard time making ends meet. I think we all know someone that has been in that situation, and maybe that someone is you, a family member, a disabled veteran, or someone that just needs a little extra help.

The program is part of THAW (The Heat and Warmth Fund) that was created by DTE Energy. You have the option to Round Up to the next dollar or simply add an additional amount (up to $10) to your bill. I figured, why not, the most this could cost me in a year is not even $12 dollars.

It is simple to signup, just go to ( you have to be a customer ;-)) and click on the “Products/Programs” tab, then on the left, select “Cents for Energy”, click the “enroll now” and follow the steps, takes about 30 seconds and could possibly help someone who truly would appreciate it and possibly even save a life!

DTE mentions that 100% of the donations will go to the people that need it, they don’t keep any of the money for an “administration fee” or crap like that.

I have DTE energy for my electric, but I don’t think it matters, I would be interested to know if anyone has them for natural gas, if the program is the same. Please comment below if you know or have signed up.

Yes, FrontPage is not exactly the newest web editor out there, but if you are still using it or maybe you have switched to Expression Web 4 (the updated FrontPage), you would probably still see this same problem.

The problem is when you edit a web page, whether it is .asp, .htm, or .html, outside of FrontPage, maybe you change the code with notepad or notepad++ (like I use), regardless, when you or someone else opens the site in FrontPage, the code on your perfectly formatted page goes whacko. FrontPage throws in some extra <p>, moves code or just rearranges lines. I have finally found the solution, and really want to save myself the frustration of finding this solution again. So I am posting it here for the world to see!

Do a search in your site for the files named the same as your page. For example if your page is called “mynewpage.htm” do a search for “mynewpage.htm” (without the quotes). MAKE SURE to search hidden folders and files. You will see duplicate files that reside in _vit_cnr, _vti_cnf1, or _vti_pvt. Those duplicate files are why FrontPage is “fixing” your code.


1. Make sure FrontPage is closed.
2. Make all your changes to the page with notepad or whatever you use.
3. Save your file.
4. Delete the duplicate files out of the hidden folders
5. Open FrontPage and it will no longer change your code back.

It will still might add all the typical garbage back, but mine didnt.


As a followup to my other post “Dropbox or Copy?” I wanted to show the settings for automatically uploading your pictures to the cloud service Copy (Barracuda Networks).

If you haven’t signed up and installed the app on your phone yet, click here to get your additional 5GB free data for a total of 20GB totally free.

Now after you install the app on your android phone, simply follow the screenshots below to setup automatic uploading. Make sure you verify your email address with the Copy service to get your 5 gigs free!

(you can click images below to see a larger image)

Open Copy App on phone

Open Copy App on phone

Click on Preferences

Click on Preferences

Put a check in each box

Put a check in each box


Dropbox or Copy?

Copy is a relatively new player to the game. Being backed by Barracuda Networks says a lot though. A major player in hardware and security for many moons.

I have been with dropbox for years. I had their free account and switched to the paid version a couple years ago, but I am missing something, oh yeah, that’s right, SPACE! I need more space! I am constantly running up against my 100GB limit, so I have to look into alternatives.

I signed up for Copy today, so far I am very impressed. 15 GB free right off the bat, and I get 5GB free for every referral, and they also get 5GB free. So if you want 20GB free right now, click this secure link and help us both out! If you choose to go directly to Copy and sign up, you still get the 15GB, just not the 20GB

The paid version also gives you 250GB for the same price as dropbox’s 100GB, so stay tuned for future writings on my new adventure with Copy.

DON’T FORGET, you must install the app either on your mobile or desktop,  its quick and easy, but you need to do it to get your free space. I HIGHLY recommend installing it on your cell phone, you can then go into settings and have it auto-upload any new pictures you take on your phone! You have the choice to only allow it to upload when connected to wifi or not. If you are like me and have data limits, you probably want to choose “only on wifi”


ht-palletOld Pallets are great for projects, burning or even as compost. You should be asking yourself if they are safe to use though. There is a relatively easy way to tell.

All Pallets should have a stamp on them. This stamp Will tell you if the pallet itself has been HT (Heat Treated) or MB (chemically Treated). The stamp will NOT tell you if something was sprayed after its initial use, or if chemicals were stored on it, so keep that in mind.

When treated properly and are in compliance, they will be allowed to display the IPPC certification symbol.

This symbol will include:

  • A two letter ISO country code. For instance, AU for Australia or US for the United States.
  • The 000 portion of the symbol represents the unique certification number issued for AQIS (Australian Quarantine and Inspection Service) to the treatment provider or wood packaging manufacturer. Inclusion of this certification number ensures that the wood packaging material can be traced back to the treatment provider or manufacturer.
  • YY is the treatment abbreviation.
  • HT is the code for (Heat Treated) to a minimum of 56 degrees Celsius for a minimum of 30 minutes.
  • MB is the code for (Methyl Bromide) fumigation.

Inclusion of this symbol will make it easier for your shipments to move easily once they arrive at their destination.

My next project is to hopefully make a Planters box out of some old pallets, but summer is fast approaching. Whether I get to my project or not, make sure you play it safe when using FREE pallets to save money and our planet.

Just installed the new Google keyboard for Android on my HTC One. Not sure how they did it, but somehow they managed to make it easier to hit the correct key!

According to Google, here is whats new and cool.

“Google Keyboard makes text input smart and easy. Glide through letters with Gesture Typing – just lift to finish a word, no space bar required. Compose notes on-the-go with Voice Typing. With amazing word recognition and next-word prediction, Google Keyboard helps you type faster and more accurately on all your Android devices.

Key features:
• Gesture Typing with dynamic floating preview
• Voice Typing
• Next-word suggestions and current-word completions
• Dictionaries for 26 languages
• Advanced keyboard layouts
• Works across your Android devices (tablets and phones)”

I have not tried the voice typing yet, because, well that seems silly, kind of like having a phone app on your phone, if I wanted to talk I would just call someone, but that’s just me I guess…

Overall, very pleased, seems very accurate to type now. The install was perfect too. Google simply walks you through 3 simple steps to enable the new keyboard and your done!


Sometimes a task is so easy you don’t need screenshots to describe it. This is one of those tasks! Unfortunately it is always one of those tasks I seem to forget how to do, so I put it on my site to help others and remind myself ;-)

Step 1 > Open Outlook

Step 2 > Click and hold down CTRL+SHIFT+b to open your address book

Step 3 > Click Tools > Options and choose either the Global Address List or your own contact list

That is it, simple but hard to remember.

Occasionally machines will pull the same IP address, DHCP can easily resolve this, but recently I came across two machines that always pulled the same IP address. Since they were on their own VLAN, I moved them to another VLAN to see if that would resolve the issue.  It did not resolve the issue, in fact they now both pulled the same IP again, but this IP was in the new subnet.

After digging into a little bit, I realized they actually both had the same MAC address. These machines were shipped to us from another company, but I was able to obtain the administrator password for one of the machines and found that they had manually configured the MAC addresses to be the same. I change the last digit on the one device and both machine obtained their own IP. So, if you have this situation, simply go into the properties of the NIC and choose configure. It is under the section where you would change flow control, etc.

We called the company, and apparently they did this to get around a licensing issue, still find it hard to believe they would even think that would work.