any suggestion for a game that's not too hard, not too easy, not too detail, not mmo and does not require high-end pc to play?enchok

Here you go: Master List: Top Games for Old PCs

[QUOTE="Bozanimal"]

Carrying a balance from month to month counts against your credit score. If you can pay off the entire balance, do it, this will improve your credit score. Using your credit card and paying off the entire balance counts positively towards your credit score. If you cannot afford to pay off the entire balance, you should not be using a credit card.

Credit cards are the most expensive for of borrowing there is. Student loans are around 8% (give or take), while credit cards can be in excess of 20%. trey555555

how is that positive credit? u have to owe at least a couple of bucks to show them your responsible for your purchases. if u pay off the debt when the bill comes in...then u owe nothing...credit card companys dont like that and so they give u nothing for it and it will increase your score verrrrrrrrrrrrrrrrrrrrry slowly....by owing money, it shows your able to owe and pay back a reasonable amount, and it gives them some interest......but then again, why do u guys fuss over interest when its only like 8$

If you carry a balance it will negatively impact your credit score. You have a balance the second you charge anything to your credit card. By carrying it month to month, you are exceeding the terms of your contract (to pay the balance each month). Whatever your logic, the big three credit reporting firms only care that you pay off your bills when they come due.

If you want to know more, check the following:

http://www.studentmarket.com/student-credit-card-tips-for-building-and-maintaining-a-strong-credit-history.html

http://www.youngmoney.com/credit_debt/credit_basics/021007_01

If you still need help understanding why carrying a balance adversely affects your credit, you can go to the horse's mouth at one of the credit reporting agencies like Experian.

If you can pay off your balance, do so every month to have the greatest positive impact on your credit score. There is no rapid method of increasing your score, since the calculators require regular payments to determine that you are a reliable borrower.

Best of luck, I hope this helps! 

I suggest you remove this, quoting the ENTIRE article without permission and a link to the source = plagiarism...DirkVDV01

Plagiarism: the act of appropriating the literary composition of another author, or excerpts, ideas, or passages therefrom, and passing the material off as one's own creation

I appropriated, but did not try to pass off the original material as my own, I sourced the original author, and sourced the location of the content in my original post. You are correct that reproducing the article in its entirety was unethical, so I have removed some of the less relevant content from the original post. Anyone interested can visit the Wall Street Journal web site.

I was trying to add some high quality content to the topic, but should not have posted the entire article.

It was easier, though :). 

(modifications to original post in red) The following is an article excerpted from yesterday's WSJ (without permission). The opinions are not my own, as I have not used Vista, yet. The author Lee Gomes is one of their technology writers:

Vista Suffers a Lot Of Criticism, but Not All of It Is Undeserved

April 25, 2007; Page B1

Is Microsoft's new Vista operating system the troubled successor to Windows XP that many people seem to believe it is? Probably not, though after running my Expand All Folders Stress Test, I have my own complaint.

My complaint, like many involving computers, involves something not many others would care about: the apparent inability of Windows to handle very large folders, like those containing thousands of subfolders with tens of thousands of files and hundreds of gigabytes of information.

There is a shortcut in Windows Explorer that lets you expand all subfolders within a folder with a single keystroke, meaning you can then scroll up and down and see everything in the main folder, even items hidden in a sub-sub-sub directory. (This is my preferred way to tend to my music collection.)

At first, Vista looked promising. On my command, Windows Explorer started expanding folders. But while the process started fast, it gradually slowed. By the time it got to the Zs -- or 3,597 folders later -- six minutes had gone by.

At that point, I could scroll up and down in my expanded list of folders, but slowly. The hourglass cursor wouldn't go away, and I could hear the disk drive spinning, meaning Vista was still on the case. It would take another 10 minutes for both to stop.

Being the curious sort, I wondered what my experience would be like on a Macintosh. With my home network, I copied the big folder over to a borrowed Apple and used the comparable "Expand All" feature in the Mac Finder. This is when the wow really started: All 3,600 subfolders popped open in 30 seconds.

Both the PC and Mac were recent models with powerful CPUs and plenty of memory. But maybe the Apple just had a faster disk drive. So I used the network to "mount" the PC disk drive on the Mac, without actually copying the folder, and tried the procedure again.

This time, the Mac was dealing with data physically stored on the PC, and it was needing to first go through Windows to get access to them. Even then, it did its folder expansion trick in a little over a minute and a half. So, in working with files and folders, one of a computer's most basic tasks, the Mac could do in 30 seconds what took Vista at least six minutes for, and which XP couldn't do at all.

Once you start looking for these Windows vs. Mac speed differences, it's easy to find other examples. For instance, I could shut down and then restart the Mac in the time it took either version of Windows just to switch off.

After I described my experience to them, Microsoft said I would have had better luck viewing my files in its Media Player software. As for why its file system simply wasn't more robust in the first place, it said it put its development resources in areas that affect the most people.

Despite all this, I remain a not terribly unhappy Vista upgrade user. A combination of entropy and familiarity keeps me from bolting. I also have a belief that I'd be sure to find something with the Mac to complain about as well.

Vista will slowly get better and go on to dominate computing, just like its predecessors. That's one eternal verity. Mac owners feeling aggrieved about same is another.

Email me at Lee.Gomes@wsj.com

(some original content was removed to preserve the integrity of the original article, available through the Wall Street Journal) 

Oooh, I thought of another one: posters whose thread title does not indicate what is in the thread. I'm talking about stuff like, "OMG Yeah here we go.", "waves ", "I like to buggie buggie", and "Yeah, I'm this bored"

These are all real thread titles. 

Carrying a balance from month to month counts against your credit score. If you can pay off the entire balance, do it, this will improve your credit score. Using your credit card and paying off the entire balance counts positively towards your credit score. If you cannot afford to pay off the entire balance, you should not be using a credit card.

Credit cards are the most expensive for of borrowing there is. Student loans are around 8% (give or take), while credit cards can be in excess of 20%. 

I forgot to add, "Users whose signatures appear to be part of their post."

Maybe not a pet peeve, but confusing!  

What aspects of the forums bother you most? Religious threads? Flame wars? Threads about threads?

**Update** Based on the responses, I created a poll. Now you can exercise your frustration through voting. Yeah! 

I'm not going to read that because it's awkwardly formatted. Staryoshi87

I'm glad somebody said it.

In response to the topic, yes, but you're paying for quality.