Hub You - Computers and Technology

Consolidate Debt And Credit Counseling
Debt consolidation is a way to lower the monthly payouts and still pay up the entire debt while saving a huge sum of cash in the bargain. Let us understand the reason one must consolidate their debt. A person might have to repay a lot of loans and even a mortgage at the beginning of every month. A huge chunk of the salary goes out in repaying the credit card bill, which incidentally, is more interest than principle.The home mortgage is another huge payout from the salary check. If there is a vehicle loan to be paid up then woe is the person having to dish out the cash. Add to these fixed expenses the cost of the utility bills and the cost of daily living. All these expenses add up to about three or four heads.Go for A Debt Consolidation LoanYou will be paying off these debts in their individual accounts for many years before you are free of the debt at the same time you will be paying about three hundred percent because the interest is very high and not free from tax. Here the solution would be to ‘consolidate’ all these debt under one heading and pay it up. This can be achieved by taking out a ‘debt consolidation’ loan.A debt consolidation loan is like a second mortgage. The interest is low because the collateral is very high and the loan is exempt from taxes so one will save a lot of cash on taxes. The second advantage to this program is that the repayment monthly amount is not very big at all. A p

>The TiVo and dvd-rec sound both go to the stereo for sound.

The TiVo picture also goes to a switchbox as does the dvd-rec picture. The switchbox output (picture only) goes to the TV and a wireless video sender. I don't need the switchbox to watch TiVo b/c it goes directly to the TV (S-video) and to the stereo for sound.

The switchbox also goes to the TV. I have to switch the switchbox to DVD to watch the dvd-rec. The output from the switchbox is also split and goes to a wireless video sender to a projector on the other side of the room. So whatever the switchbox is on (TiVo or dvd-rec) that's what the projector displays. Normal TV watching just means the TV is on the TiVo input (S-video) and the stereo is on 'Sat/TV.' For DVD, the switchbox is on DVD, TV is on switchbox ('TV/Video') and stereo is on 'DVD' (I have a macro that does this for me on the remote).

For VCR, it's the same as DVD, but switch the input on the DVD to be the VCR. If you haven't noticed, each component has an internal switchbox w/ multiple inputs.

Whatever the switchbox is set on, the projector will display (and the TV will display if it is on that input).

If I plug anymore inputs into the switchbox (e.g., XBox, digital cam, etc.), I set all the same settings as above for DVD (depending on how I hook up the sound - direct to the stereo, direct to TV, etc.).

------------ Summary

So it's basically pretty simple and all of them follow the same basics: picture and sound.

So for the water faucet example, you might have hot and cold. Then under your sink you connect another line to your cold side that is salt-water. Now you can switch (under your sink) the cold to salt. Assuming you can only turn on one at a time, you can either have hot, cold or salt (on the cold side). Farther up the salt line, you might put in another line that feeds in pool water. So to have pool water, you have to switch to pool water there, then father up the 'salt' line has to be on and then the cold side has to be on.

Cold has 3 opt

Can I Sell My Private Mortgage Notes?
In this country millions of homes are sold every year. In most cases buyers go to a bank or finance company to seek mortgage financing.In some cases, 200,000 in the U.S., home buyers rely on the seller rather than a financial institution to provide financing because:• The purchaser may not qualify for a traditional mortgage. • The purchaser may be a relative looking to save on closing fees. • The seller may be interested in having a long-term income stream.Often the seller is pressured into providing financing for the purchaser instead of receiving a lump sum. This forces the seller to assume the role of a mortgage company, worrying about servicing and collecting a monthly income stream. A stream, which may or may not be consistent, depends on the payer's ability to meet their monthly obligations.Peacock Capital provides an option to note holders nationwide who are ready to sell their homes and use the equity for their own purposes.We will purchase the note for a lump sum and collect the monthly checks. No more worrying about the "Check is in the mail" Or, "Will they stop paying, forcing a foreclosure?" Or, "Has my buyer kept up with their insurance payments?" Etc.

These days we all have multiple components for our entertainment and not just a simple TV w/ an antennae anymore. Most people have cable/satellite, VCR and/or DVD player, etc. It can be very confusing, but the basics are still picture and sound.

------------ Basic Setup

The basic setup is a TV w/ a cable coming in the back either from cable TV. Above and beyond this you might have a cable or satellite box which tunes the signal before it goes to the TV.

W/ this type of setup, it's pretty simple - one input and one component basically - the TV. Not much too it. The cable provides the picture and sound to the TV: picture and sound. So far, so good.

------------ Another Device

The next most common device is a VCR or DVD player. Chances are if it's a VCR, the cable goes to the VCR instead of the TV. Then the VCR output goes from it to the TV. This way, when the VCR is off, you're watching TV. When you turn on the VCR, you see the tape playing.

You can turn the VCR on and see the cable/TV image b/c it has a tuner in it too. This way, the VCR can control the channel the same way the TV does. It needs a tuner in it so it can record things on it's own. The VCR has a button like 'TV/VCR' that controls what signal it sends to the TV. It can either send the raw cable signal for the TV to tune or the VCR can tune the signal to a channel on it's own to send to the TV. This second option also sends the tape signal when you press play.

This 'TV/VCR' button tells it to send either the raw signal (TV) or the VCR tuned channel (VCR). For the VCR tuned signal, the TV has to be on channel 3 or 4. Most TV's now also have a 'TV/Video' type button which when pressed will switch btwn the various inputs it has including the channel set for the VCR.

Ok, so now we can see that sometimes the TV tunes the raw signal for picture and sound and sometimes it goes thru the VCR. If thru the VCR, the VCR can just send the raw signal for watching regular TV. It can also, tune the signal itself for recording or sending the channel/tape to the TV.

------------ Record one thing, watch another

Sometimes you want the VCR to tune the channel for itself to record, but not send that image to the TV. Can you guess how? You set the channel on the VCR and handle the recording however you normally do. But you press the 'TV/VCR' button to the 'TV' setting so it sends the raw signal to the TV.

Now the VCR has the channel it needs, but doesn't mess w/ the TV. So you can watch one thing and record another at the same time.

The VCR goes btwn the cable (source) and the TV so it can handle the signal how it needs, but also pass it on.

------------ DVD Player

A DVD player is similar, but doesn't need a cable signal (unless it's also a recorder). If it's just a player, then typically you want to connect it to another input on the TV. Some TVs have several inputs. Generally one cable (coax) input for cable/satellite (or VCR). Also, there's usually one or two RCA cable hookups. These are generally 3 wire hookups - one yellow (video) and one red and one white (both are these are audio) - picture and sound. Some have an S-video hookup - it's higher quality, but the same concept. Also, there's component which is even higher quality.

The more inputs like this you have, the more options you have for hooking things up. The 'TV/Video' button on your TV and remote sd cycle btwn all of these.

So, you can hookup your cable to your VCR, hookup your VCR to your TV w/ the cable. But then hookup your DVD player to a separate input in the back (or sometimes front) of the TV w/ the RCA cables. When you hit the 'TV/Video' button on the remote, it will change where it gets the picture and sound from.

Normally, you watch plain old TV tuned signal. Your signal comes in and your change channels on the TV. Hit the 'TV/Video' button and it will switch. If it goes to your VCR, you may see another channel (tuned by the VCR). Hit play on it and then you'll see the tape. Hit the 'TV/Video' button again and it might go to the DVD player. Mess w/ it and see the picture and hear sound from it.

NOTE: You don't want to send your DVD player thru your VCR b/c DVDs are encoded and won't play right going thru a VCR.

------------ Like Water

Pretty simple. It's kinda like a faucet in the bathroom w/ hot and cold water. You can turn on one and get water from one source (cold - outside) or turn on the other and get it from another source (hot - the water heater). You just have to tell the TV which source you want - picture and sound. That probably covers most people's setup. However, you can add even more. In the case that you have a DVD recorder, you need a source(s) to it too like a TV or VCR. Whatever you want to be able to record, needs to be attached to your DVD-rec.

------------ Example

One example, send your cable to your VCR, then your output from your VCR to your DVD-rec, then your output from that to your TV. Then you have a new source added at each step. Your VCR cd record one thing but send a raw signal to your DVD-rec which cd record something (assuming it also has a tuner) and send a raw signal to your TV. So you cd record 2 things and watch a third.

Your VCR cd send the signal it's tuning (and recording) w/ the 'TV/VCR' button to the DVD-rec which wd only allow it to play (and/or record) that same thing. Your DVD-rec cd do the same - send on what it's recording.

------------ Another Example

Another example wd be to send your cable to the DVD-rec and then on to the TV replacing the VCR. You may still want your VCR connected to the DVD-rec to record a tape now and then. This also allows you to pass on the VCR signal to the TV like the 'TV/VCR' button on the VCR. This prevents the cable signal from going thru too many devices which degrades the quality.

Also, you might have a TiVo. The satellite/cable signal goes to it and it has 1 or more outputs. You cd send one output to the TV (typically S-video for quality) and another to the DVD-rec. You'd still want the DVD-rec output going to another input on the TV to watch DVDs, but going directly to the TV from the TiVo helps the quality.

The 'TV/Video' button will switch btwn the TiVo and the DVD-rec. So your TiVo is like the hot water and the DVD-rec like code. Pick your source for picture and sound. Piggy-backing on the DVD-rec (cold) side, is the VCR which is rarely used now.

In some cases, you'll have even more inputs like another DVD player or TiVo or something. Many TVs have several inputs, but if you don't have enough, you can get a switchbox.

------------ SwitchBox

A switchbox takes several inputs and has one output. You can plug in your VCR, DVD player, TiVo, etc. and plug the one output of picture and sound to your TV. You never have to tell your TV which to use, but you do have to tell the switchbox which to send to the TV. You can label them on the switchbox and some switchboxes have remotes.

The multiple inputs on a TV is just like a built in switchbox, but w/ less quality degredation.

But if you have an XBox or similar you may need to consider a switchbox if you have too many devices for the number of inputs on your TV.

------------ Better sound

Still going w/ the basic concept of picture and sound, you might want to improve the sound part. If your stereo is in your entertainment center, you can hookup the sound part to it and use it w/ or instead of your TV.

Stereos often have even more inputs than TVs. RCA cables make this easy: hook the yellow to your TV and the red and white to your stereo. Pick the right input on the TV and stereo so that you have matching picture and sound.

For this, a switchbox is helpful. Intead of switching the TV and stereo, you just change the switchbox. The picture goes to the TV and sound to the stereo. I have DirecTv w/ built in TiVo which goes to the TV and dvd-recorder. The VCR just goes to the dvd-rec so I can dump to disc if I need and can even watch the VCR thru the dvd-rec if necessary (also the VCR and DVD have other inputs for a camcorder or digital cam, etc.).

The TiVo and dvd-rec sound both go to the stereo for sound.

For VCR, it's the same as DVD, but switch the input on the DVD to be the VCR. If you haven't noticed, each component has an internal switchbox w/ multiple inputs.

Whatever the switchbox is set on, the projector will display (and the TV will display if it is on that input).

------------ Summary

So it's basically pretty simple and all of them follow the same basics: picture and sound.

Cold has 3 opt

What's Wrong With Your Promotions?
How many times have you been frustrated with your promotion efforts online?Let's face it...most folks working online are amateurs when it comes to promotion. They simply don't come to the internet prepared with the tools, experience and background in advertising and promotion.The learning curve can be pretty steep when it comes to learning to promote effectively. There is a wealth of information and resouces availabe. In fact there are some many helpful sites and resources that it is very easy to become confused with the whole process.Searching the internet for promotion resources provides you with lots of sites and gurus who will promise you the moon in exchange for your hard-earned dollars.Finding a few dependable sites and trusted webmasters who will act as a mentor in your learning process is one good tactic to consider.Personally, I have developed a small group of allies online with whom I can discuss problems, find answers and bounce my ideas off.You will discover that the old adage, "Never get in a hurry to buy or sell.", is still true today. You can easily run out of money buying this and that amazing promotional gimmick, software, service or product.There is plenty to buy online, but there are tons of fr*e resources available too.While the learning curve for learning to promote effectively online is a steep one, you can do it with some determination and with little d

ng the channel/tape to the TV.

------------ Record one thing, watch another

Now the VCR has the channel it needs, but doesn't mess w/ the TV. So you can watch one thing and record another at the same time.

The VCR goes btwn the cable (source) and the TV so it can handle the signal how it needs, but also pass it on.

------------ DVD Player

The more inputs like this you have, the more options you have for hooking things up. The 'TV/Video' button on your TV and remote sd cycle btwn all of these.

NOTE: You don't want to send your DVD player thru your VCR b/c DVDs are encoded and won't play right going thru a VCR.

------------ Like Water

------------ Example

------------ Another Example

In some cases, you'll have even more inputs like another DVD player or TiVo or something. Many TVs have several inputs, but if you don't have enough, you can get a switchbox.

------------ SwitchBox

The multiple inputs on a TV is just like a built in switchbox, but w/ less quality degredation.

But if you have an XBox or similar you may need to consider a switchbox if you have too many devices for the number of inputs on your TV.

------------ Better sound

The TiVo and dvd-rec sound both go to the stereo for sound.

For VCR, it's the same as DVD, but switch the input on the DVD to be the VCR. If you haven't noticed, each component has an internal switchbox w/ multiple inputs.

Whatever the switchbox is set on, the projector will display (and the TV will display if it is on that input).

------------ Summary

So it's basically pretty simple and all of them follow the same basics: picture and sound.

Cold has 3 opt

Trading Baskets Part I
Q. What is a basket?A basket is a group of up to 50 stocks that you can trade, manage and track as one entity.In another article, I wrote about a rather conservative method of being in the stock market. See: "A Triple Dipper: How to Make 3 Profits on 1 Stock" at http://www.traderaide.com/Selected_Articles/Tripple_Dipper.html.This time let’s talk a little about trading "baskets". The definition above maybe needs to be expanded just a bit. You can trade baskets using longer term buy and hold strategies, a shorter-term swing trading approach or as a day trader. A basket of stocks is nothing more then any group of stocks that someone has grouped together for any of a number of reasons. They may be of the same sector, or they may be made up of a number of stocks in different sectors.An example of a few baskets could look like what is sited below. To save time and space I’ll use the stock symbols only. You can look them up later if you are interested. Let’s say you see stem cell research as the thing of the future and wanted to be invested in it. If you don’t know which stock is going to fair the best, you may want buy a basket of stocks that is made up of ASTM GERN and STEM. This would be a basket of stem cell stocks. Now let’s say you think the Internet stocks look good and, again, you are not sure which ones will do the best. In your Internet basket you may want to pick up some shares of EBAY, YHOO and AMZN. Obviously y

er. Mess w/ it and see the picture and hear sound from it.

NOTE: You don't want to send your DVD player thru your VCR b/c DVDs are encoded and won't play right going thru a VCR.

------------ Like Water

------------ Example

------------ Another Example

In some cases, you'll have even more inputs like another DVD player or TiVo or something. Many TVs have several inputs, but if you don't have enough, you can get a switchbox.

------------ SwitchBox

The multiple inputs on a TV is just like a built in switchbox, but w/ less quality degredation.

But if you have an XBox or similar you may need to consider a switchbox if you have too many devices for the number of inputs on your TV.

------------ Better sound

The TiVo and dvd-rec sound both go to the stereo for sound.

For VCR, it's the same as DVD, but switch the input on the DVD to be the VCR. If you haven't noticed, each component has an internal switchbox w/ multiple inputs.

Whatever the switchbox is set on, the projector will display (and the TV will display if it is on that input).

------------ Summary

So it's basically pretty simple and all of them follow the same basics: picture and sound.

Cold has 3 opt

Are You Tolerating Less Than Your Standards
"What You Tolerate Becomes Your Standards." This is a critical management philosophy that will assist you in driving high performance. When your employees are not performing, here are the steps to take to analyze why that performance is lower than the standard and suggestions for imbedding this philosophy into your organization’s culture.1. Do you have clearly defined standards? When employees are not performing, the first place to look is to your definition of what you would like for them to do. Too many job descriptions are vague or contain perceptions instead of clear behaviors. Do your job descriptions include standards like, "Responds to Customers in a courteous manner", "Dresses professionally", or "Responds immediately to Customer concerns"? If any of these statements sound familiar, the first reason why you may be experiencing low performance is due to the lack of clarity of your standards. Define "professional" "courteous" and "immediately" and then your employees will have a clearer understanding of what you expect them to do.2. Do your Managers hold your employees accountable for following the standard? If you look around your workplace and find that people are not dressed professionally, are eating in the work environment or are communicating in ways that do not meet your expectations; look to your Supervisors for answers. When someone does not follow the dress code, is this communicated to the employee? If Supervisors

he TV to watch DVDs, but going directly to the TV from the TiVo helps the quality.

In some cases, you'll have even more inputs like another DVD player or TiVo or something. Many TVs have several inputs, but if you don't have enough, you can get a switchbox.

------------ SwitchBox

The multiple inputs on a TV is just like a built in switchbox, but w/ less quality degredation.

But if you have an XBox or similar you may need to consider a switchbox if you have too many devices for the number of inputs on your TV.

------------ Better sound

The TiVo and dvd-rec sound both go to the stereo for sound.

For VCR, it's the same as DVD, but switch the input on the DVD to be the VCR. If you haven't noticed, each component has an internal switchbox w/ multiple inputs.

Whatever the switchbox is set on, the projector will display (and the TV will display if it is on that input).

------------ Summary

So it's basically pretty simple and all of them follow the same basics: picture and sound.

Cold has 3 opt

Can an Ex Hurt Your Credit?
There are a lot of people out there that don't believe that a spouse's credit can affect theirs. But it can.A loan applicant may look great -- good income, history of savings and strong employment -- but the credit report looks a little off. There are some late pays, even a charge off, on a few accounts. A little code indicates that the applicant's spouse has the credit problem, not the applicant.This often happens when a couple is divorced. Even though the divorce decree clearly states who is responsible for which debt, including credit cards, mortgages, debits and defaluts. Yet these items are still showing up on the applicant's credit report. You, the innocent party, may still be viewed as a responsible party.If you have a situation where you were jointly obligated with someone else to repay on a car loan, a boat or a credit card, you need to do some things before you go in to apply for a mortgage.You have to understand that a divorce decree will do little to remove any joint debt from your credit history. You have to take care of it yourself.The first step is to obtain your credit report to see if your ex is actually hurting your credit rating or not. Even though you make your monthly payments on time, if any joint debt is reported as a derogatory account, your credit rating and ability to obtain a mortgage will seriously be affected -- especially if you wait a long time to change the information.If

>The TiVo and dvd-rec sound both go to the stereo for sound.

For VCR, it's the same as DVD, but switch the input on the DVD to be the VCR. If you haven't noticed, each component has an internal switchbox w/ multiple inputs.

Whatever the switchbox is set on, the projector will display (and the TV will display if it is on that input).

------------ Summary

So it's basically pretty simple and all of them follow the same basics: picture and sound.

Cold has 3 options: cold, salt and pool depending on the various inputs all along the way. Confusing, but simple.

So whenever you aren't seeing what you think you sd be seeing, think 'picture and sound.' Make sure your TV is on the right 'TV/Video' setting (e.g., TiVo, DVD, VCR, switchbox, etc.), then make sure that source is set on the right input (e.g., switchbox on DVD, DVD on DVD w/ 'TV/Video' on the DVD player, etc.).

Same for sound, check the TV, switchbox, stereo, etc.

Despite even having a lot of options, they narrow pretty quickly. If I'm not seeing my dvd player (assuming it's on), I just need to make sure the switchbox is on DVD and the TV is on switchbox. If the DVD player is showing the TV channel (which in my case is the TiVo), that might be confusing (am I seeing the TiVo or the DVD showing the TiVo?), but it's usually pretty obvious if I just tell the DVD to show it's menu or something.

------------ Remote

Also, having a good universal remote for all the devices is nice. One that is 'learning' (can detect signals from other remotes and record them) and can do macros (a series of commands in a row) is nice. You can have 'watch dvd' as a macro that sets the TV, switchbox, stereo and turns on the dvd player.

See http://www.thearmchairgeek.com/archives/2005/01/universal_remot.html

Just remember: picture and sound. Where are the coming from? What are the options? What do I want?

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There is a saying that the person who makes the rules wins the game. Usually that's true. It's also true when it comes to exotic options in forex.

If you ever wanted to get ahead financially… if you ever thought you wanted to get out from under a sea of debt… if you ever wondered where the money went… YOU NEED A BUDGET! But how do you develop a good budget and how do you stick with it?

Feeding a family on a tight budget can be a real struggle - not to mention a tough balancing act. Shirley Bullington from http://www.femeat.com offers some innovative ideas on making it work.

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