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Get Cash Back For Holiday Purchases

With the holiday shopping extravaganza just around the corner it is well advised to look at your finances to properly budget for the event. You should not be dipping into your rainy-day fund for this. Christmas comes every year; it’s not an emergency. Figure out what you can spend and spend less than that.

Last year more than 30 percent of consumers paid for holiday gifts with a credit card according to the National Retail Federation. For those with the discipline to control their debts, credit cards offer security, rewards and money saving. If you are a responsible credit card user, here are some available cards and advice that will keep on giving the whole year.

What’s the Deal?

On September 20, the NRF released its forecast for the upcoming 2007 holiday season, predicting that sales will rise 4.0 percent this year to $474.5 billion.

“Retailers are in for a somewhat challenging holiday season as consumers are faced with numerous economic obstacles,” said NRF Chief Economist Rosalind Wells. “With the weak housing market and current credit crunch, consumers will be forced to be more prudent with their holiday spending.”

According to NRF’s 2007 Holiday Consumer Intentions and Actions Survey, conducted by BIGresearch, U.S. consumers plan to spend an average of $816.69 on holiday-related shopping. In addition, these shoppers will spend an additional $106.67 on special “non-gift” purchases by taking advantage of promotions and discounts to treat themselves. This brings total planned holiday-related spending to $923.36, an increase of 3.7 percent from 2006.

We all know the enthusiasm and fun or misery that comes with Black Friday shopping. Many people kick off the holiday shopping season by scooping up great deals and ringing in the discounts. Whether you will be spending exactly what BIGresearch estimates consumers will spend this year, or you plan on spending more or less—in the end, how would a rebate check for up to 5 percent sound? That check would be for more than $45 for the survey household.

How does it work?

America witnessed the start of a revolution in the credit card industry when Discover Card was unveiled nationally during the 1986 Super Bowl. At the time, annual fees were common and cash rewards were unheard of. Discover Card set out to change that as a pioneer in offering cash rewards and no annual fee.

Today nearly every credit card issuer has a card available with a cash rebate program; some have a dozen. Cards can be as basic as 1 percent cash back on every purchase, to cards that target specific purchases made at supermarkets, drugstores, gas stations and even utilities like cell phones and cable to earn you even more cash back. A cash rebate is just what the name implies: cash back. Not miles, gift cards or buy something at discount in our special shop—actual cash back.

A new credit card takes time to process and mail out, but if you act quickly you can have a new card in your hand in time to take advantage of rebates for your holiday shopping.

As more and more of these cards have become available and more and more rebates are being given out, card issuers have become very good at making sure they don’t loose money on the deal. Many cards advertise high cash back rewards; some as high as 10%. But these rewards are only for a limited time, usually three to six months, or only for specific purchases. Then the rebate amount often becomes 1%. Read the fine print carefully; it is all laid out.

Who offers what?

One of the newest cards available is the Citibank Cash Returns Card. This card offers the greatest return for your holiday spending, however it is only for your holiday spending. The Cash Returns Card will give you 5 percent cash back on all your purchases for the first 3 months. Anything purchased after about Valentine’s Day will only earn 1 percent; get that gift early.

If you’re not just looking to score a deal for the holidays there are many other cards available for long-term earnings.

When driving around and eating out is more your lifestyle, the Citibank Professional Cash Card offers 3 percent cash back at restaurants and gas stations, and if you drive a rental car you can even get 3 percent back on that too. Plus, you’ll get 1 percent for all your other purchases.

A similar card is the Citibank Dividend Card. You will earn 2 percent on purchases made at supermarkets, drugstores, gas stations, convenience stores, utilities, and cable along with 1 percent on everything else.

Over at Capital One the newest cash rebate card, No Hassle Cash Rewards, is for 1 percent cash back. With this card the upfront rebate is lower but the imaginative addition to this card is that on Halloween every year you will receive a 25 percent bonus on your earnings. That’s not scary. If in the year you charged $20,000 you would have a $200 rebate. With the bonus you would then get an additional $50.

Discover Card, the originator of the cash back program, offers 5 percent cash back all the time on something and 1 percent on everything else. The program is called Get More and every three months the category for the 5 percent cash back changes. The categories include travel, home, gas, restaurants, movies and more.

Also changing your cash back categories is the Freedom Card from Chase. But these changes are done every month to your benefit and you don’t have to do a thing. There are 15 categories for spending and whichever 3 groups you spend the most money on in the month, those will be your 3 categories. So even if you spend more on gas, groceries, and dry cleaning one month, and at drugstores, on utilities and at the veterinarian the next—you'll automatically earn 3 percent cash back in your top 3 spending categories. Everything else will earn you 1 percent.

American Express has a card available called Blue Cash that advertises up to 5 percent cash back. It is worth mentioning because a lot of people fall over its complex rebate tiers. To explain it simply and quickly, with this card you will earn 1 percent at supermarkets, gas stations and drugstores and .05 percent on all other purchases. Only after you have charged $6500 will you earn 5 percent at supermarkets, gas stations and drugstores. That calculator is reset every year.

One of the best cards for your everyday use and made even better if you drive a lot, is called Driver’s Edge from Citibank. It offers 3 percent cash back on gas, supermarket and drugstore purchases and 1 percent for everything else. A unique addition to this card ties into the cards name: Driver’s Edge. This card actually gives you a penny for every mile you drive. Anytime you have service work done, like an oil change, send a copy of the receipt with the odometer reading to Citibank and they credit your account for the miles. A penny may not seem like a lot, but when you drive 25,000 miles a year, that equals an extra 250 bucks in addition to the 3 percent you’re getting back on all that gas. In a few years that’ll pay for your new tires and a brake job.

Driver’s Edge is not an actual cash back card, but since it is one of the best cards available, it is worth mentioning. The rebates you earn can only be used for service maintenance on your car or the purchase or lease of a car. Even though you are limited to using the money for maintenance work—doesn’t the car always seem to need an oil change or something more?

The small print!

Should you sign up? Not without first understanding the difference between what is advertised and what is in the fine print. Secondly, credit cards and their issuers have gotten a lot of bad publicity because of people blaming their problems on them. The fact is credit card companies are not at fault for the spending habits of their customers.

There has been a lot of attention paid to credit cards recently as debt estimates have been exaggerated, and some have gone so far as to call credit cards evil. Credit cards are dangerous, not evil. If you are a mature, responsible and educated person, there are many benefits to using credit cards that will be outlined in a coming article.

Thousands of people charge thousands of dollars a day and get cash back, free airline tickets, free hotel stays, free movies—all with the simple process of swiping a piece of plastic. Why are these people able to handle their credit properly and carefully and others not? It has nothing to do with the credit card company or the card that they use; it has everything to do with the individual using it.

If you are not going to use credit cards responsibly, be it as a way to pay for things with simple convenience, take the rewards and benefits cards offer, or as a strategic financial tool, then you shouldn’t use them.

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Every so often, it’s good practice to change local admin password for Windows OS. And I think most of computer users are performing this practice. However, frequent passwords changing can cause passwords forgotten. So here, I’d like to share some ideas on how to reset local admin password when you forgot it.
Occassion1: Your computer is a Domain Server or ControllerIn Windows Server 2000/2003(R2)/2008(R2), if the machine is a Domain Controller, other users except for the domain administrator can logon to system. This is because local admin password doesn’t have the authorization to login in Domain Controller for interactive logon is not allowed in the local policy. So, under this circumstance, you actually do not have a “real” local administrator. Similarly, you cannot reset local admin password. Just forget it, because you can still use the domain admin to access to your machine.

Occassion2: Your computer is a Domain UserWhen your computer with Windows Server 2000/2003(R2)/2008(R2) is a member of a special domain, not the domain administrator, you can access to your PC with 2 kinds of logon methods—domain administrator logging and local admin or standard user logging. So, in this time, if you forgot local admin password, you can do the local administrator password reset as follows:
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How to clean your computer

Perhaps you use your computer to pay bills online. Or you may use it as a business hub for your online selling venture. In either case, your computer deserves due care.

If you are one of those computer users who occasionally give their monitor a dusting off, but never bother to actually clean their computer, you may be heading straight for disaster. Your computer could simply pack up if you do not keep it clean. Dust blocks the circulation of air, which is of crucial importance for keeping your machine cool. Allow the dust to clog the vents, and the vital components inside your computer, like the central Processing Unit (CPU), will heat up. As any computer technician who has ever opened a faulty machine only to discover a thick layer of dust, heat is the biggest cause of component failure. Regular cleaning could save you lots of money in maintenance fees.

Here a few tips to a spotless computer system. However, be warned: cleaning the keyboard or mouse is a simple affair, but some tasks do require professional help.

Switch off your computer before starting the cleaning job.

Using a screwdriver, remove the side of the case opposite your motherboard. Do not touch any of the internal components with your fingers. Do not spray any kind of liquid onto any computer component. Cleaning agents should always be used with caution around computers, because some of them can cause damage. If you must use liquid for very grimy areas, spray water or diluted cleaning agent onto a cloth and then use that cloth to rub the dirt away. Be sure everything is bone-dry before you turn on the computer.

What the inside of the case needs most is a good blast of air to dislodge and drive away all the dust particles. However, do not use a regular vacuum cleaner for this purpose, because it generates static electricity that may damage the components. You can vacuum around the computer, on the outside of the case and on the keyboard. To get rid of the accumulated dust inside the case, use either a battery-powered vacuum cleaner especially designed for the job of a can of compressed air. Blow the air around all of the components and along the bottom of the case, keeping the nozzle at a safe distance (about ten centimetres) from any parts. You need to hold the fans when cleaning them, or to place something between the blades in order to prevent them from spinning. Blowing gusts of air into a fan may damage some fans or cause back voltage.

How often should you clean the inside of your computer? Well, that depends on several factors. In general, do it once or twice a year - or every three months if your computer resides in on the floor (especially if it is a carpeted floor), or if you eat, drink or smoke in front of it.

Once the insides are pristine clean, close your case and proceed to clean the less often visited outside areas. Run a cotton swab or soft cloth dipped into rubbing alcohol around all openings on the back of the case. Give the area a once-over with a dry soft cloth. Do this whenever you do your inside cleaning operation.

The keyboard and the mouse should be cleaned once a month.

To clean the keyboard, first burp it. Turn it upside down and gently pat it on the back. Most of the crumbs and dust will fall out. Then blow some compressed air into and around the keys. Next, take a cotton swab, dip it in rubbing alcohol and run it over and around the keys. As for the mouse, first rub it all round with a cloth dipped in rubbing alcohol. Then open the back and remove the ball. Wash the ball with water and let it air-dry. In the meantime clean the inside of the mouse with a cotton swab dipped in rubbing alcohol. Use your fingernails to scrape hard-to-remove grime. In the end blow air into the opening and replace all the parts. If you have an optical or laser mouse, just clean the outside area.

Your monitor acts as magnet for dust, which is why you need to clean it weekly. A CRT monitor can be cleaned with a damp soft, lint-free cloth. Use water or monitor cleaning products at computer supply shop. Never spray liquid directly onto the screen; spray the cloth instead. Wipe the screen gently to remove dust and fingerprints and do not touch the back of the monitor. For laptop or LCD screens, it is suggested that you buy a special cleaning solution available at computer shops.

It is worth mentioning one more computer part that can cause endless problem when dirty: the CD or DVD drive. Let it accumulate dust and grime - and you will have all kinds of read errors preventing you from installing new software or watching movies. To clean an optical disc drive, use a special disc designed for this purpose. You may also use a cloth dampened with water to clean the tray that ejects from the drive. Before putting the tray back into the drive, check that it is dry.

It is worth repeating that everything must be completely dry before the computer is turned on after the spring-cleaning.

And, since accidents will happen, here is one final tip. In case you spill coffee on your keyboard, disconnect the keyboard and flip it over. Blot the liquid with a paper towel, clean the keyboard as described above and leave it to air dry overnight. In case of laptop spills, do note that liquid can easily penetrate the keyboard and ooze inside the machine. The only thing you can do is to disconnect the machine, turn it upside down, leave it to dry - and hope for the best.
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Computers Articles - Fix dlcctime.dll Error - How to Fix dlcctime.dll Error Within Minutes

There are a lot of times that people run into dlcctime.dll error for some reason. With the number of computer user increasing, dlcctime.dll error has turned out to be a tough system problem for it appears more commonly nowadays. Have you meet it before? Have you tried to fix it yourself but in vain? Do you want to fix it within minutes? If you unfortunately become one of those who are stuck in dlcctime.dll error for a long time, just turn eyes on this article for here is the best place where you can find the solutions to fix dlcctime.dll error efficiently. You will learn the entire processes from "What is the error " to "How to fix the error" if you fully read the article. The descriptions of dlcctime.dll and dlcctime.dll error dlcctime.dll is located in a subfolder of C:\Windows\System32. Known file sizes on Windows 7/XP are 73,728 bytes (53% of all occurrences) or 69,632 bytes. The program has a visible window. There is no information about the author of the file. It is a trustworthy file from Microsoft, if it is not intentionally for you to remove or uninstall it, just ignore it. Otherwise in some case, you may run into dlcctime.dll error. dlcctime.dll error is a common and repairable DLL error which is tied closely with dlcctime.dll file. Multiple system files are associated with dlcctime.dll, including: openal32.dll, coredll.dll, kernelbase.dll, binkw32.dll, sisbase.dll, ntdll.dll, win32.dll and GDI.exe. The causes of dlcctime.dll error There are various of system problems may result in dlcctime.dll error, listed below: unwanted removal or missing dlcctime.dll, incorrect version of dlcctime.dll, installation of dlcctime.dll aborted, invalid dlcctime.dll, corrupt dlcctime.dll repair failure, associated .dll file corruption, invalid installation files of application program, disordered registry, mess of junk files, Windows update failure, damaged driver files and undesirable registry problems. Common dlcctime.dll error messages: " Title: perl.exe - Unable To Locate Component This application has failed to start because dlcctime.dll was not found. Re-installing the appliucation may fix this problem." " Title: System Error The program can't start because dlcctime.dll is missing from your computer. Try reinstalling the program to fix this problem." " Title: C:\Program Files (x86)\xxx\xxx.exe Executable 'C:\Program Files (x86)\xxx.exe' had the following unrecoverable error: Couldn't find library dlcctime.dll (required by C:\Program Files (x86)\xxx\xxx\xxx.dll) Please ensure that it is installed." Consequences of dlcctime.dll error dlcctime.dll error can bring about a list of further undesirable system problems to your computer: Software instability Unexpected Blue Screen of Death errors Black Screen of Death errors with driver file detail Virus attack System sounds disappear Faulty associated .dll files location Desktop display failure Undesirable modification of Home Page Desktop delete failure How to quickly fix dlcctime.dll error within minutes? Solution One: Recover problematical dlcctime.dll file with a compatible one Step One: Click Start, Click Run Step Two: Type cmd on the latest dialog box and press Enter Step Three: Type for %1 in (%windir%\system32\*.dll) do regsvr32.exe /s %1onto the Command Prompt and press Enter Step Four: Download a compatible dlcctime.dll file from network and then unpress it into your hard disk Step Five: Copy and paste the compatible dlcctime.dll file to C:\Windows\System32 to recover the problematical one. Step Six: Shut down all current application programs you run Step Seven: Click Start, go to Run Step Eight: Type regsvr32 dlcctime.dll onto the Command Prompt and then press Enter Step Nine: Press OK as soon as you get DllRegisterServer in dlcctime.dll succeeded message Step Ten: Restart computer Solution Two: Update Windows Step One: Double click on Internet Explorer Step Two: From the menu bar, locate Tools option Step Three: Select Windows Update Step Four: As soon as the page and the file appear, click OK to update Step Five: Follow the prompts to finish the update Step Six: Restart computer Solution Three: Modify Registry Manually Step One: Restart computer and then press F8 to get into safe mode when booting Step Two: Click Start, click Run, type msconfig, press Enter Step Three: From Startup option, cancel dlcctime.dll and then press OK Step Four: Click Start, go to Run Step Five: Type regedit onto the dialog box and press Enter Step Six: Scroll down until you find HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\Run\ Step Seven: From the window on the right side, locate all the values associated with dlcctime.dll and then delete them. Step Eight: Or click on Edit, select Find Step Nine: Locate and delete all the values associated with dlcctime.dll Step Ten: Press F3 to search for the next one, make sure you clean them all Step Eleven: Restart computer Solution Four: Fix dlcctime.dll error completely Most problems like dlcctime.dll error probably come from registry, some of which are extremely dangerous and deadly. The registry has a strong impact on system performance, any incorrect modification and damage to it may cause a series of unpredictable changes such as BLUE SCREEN, CRASH, DLL errors, etc. A strong and useful registry tool can easily protect your computer from virus attack?blue screen?crash...With the help of the powerful and efficient registry repair tool, you can prevent and fix dlcctime.dll error manually without considering computer skills. Want to fix dlcctime.dll error instantly?Links:
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Build a Solid Foundation of Knowledge and Skills

CompTIA certifications help candidates build a solid foundation of CompTIA essentials knowledge and skills that will help them advance their careers. Starting at(mcse 2003 certification) a higher certification level might seem like a timesaver, but often this can actually delay your progress because you're missing the necessary fundamentals. It's like skipping algebra and going straight for calculus, it just won't work.
Get Extra Credit
Companies such as Microsoft, Cisco, Novell, HP and other recognize some CompTIA certification (like the A+ and Network+) in their own certification tracks and some colleges and universities offer college credit for students who obtain CompTIA certifications.
Increase Your Salary and Find New Career Opportunities
Many companies and organizations have made CompTIA certifications mandatory for certain positions and many job ads list the certs as basic requirements. Surveys also show that certified professionals earn more on average than non-certified IT pros in the same roles.
Build Your Confidence and Credibility
But probably the greatest advantage of CompTIA certifications, especially for those who are new to the IT field, is increasing your own personal confidence. By achieving a certification you gain proof that you really know what you're talking about, which gives you more credibility and determination to advance your career.
Job Opportunities for CompTIA Candidates
So what types of jobs will you be able to apply for and feel confident in attaining with comptia security under your belt? Well, that depends on which certifications you start with. Let's take a look at three of the most popular options.
The Security+ certification allows you to apply for many of the jobs that require a security clearance; you'll be able to work as a security analyst, security specialist, network security engineer and more. Many companies including Hewlett-Packard, IBM, Motorola, Symantec, as well as the U.S. Navy, Army, Air Force and Marines employ Security+ certified individuals.
Note For a description of a particular counter, select(mcse) the name of the counter from the list, and then click Explain. Figure 14-2 shows the description for the DS %Writes From LDAP per?formance counter.Click Add.
When you are finished adding counters, click Close. The counters that you selected appear in the lower part of the System Monitor screen; each counter is
represented by its own color. Choose(mcse training) either the graph, histogram, or report dis?
play view hy clicking the appropriate toolbar button.
To set sampling parameters and display options, complete the following steps: Right-click the System Monitor details pane and click Properties. Or, on the System Monitor menu bar, click the icon showing Notepad and a pointing finger.
In the System Monitor Properties dialog box, in the General tab, shown in Figure 14-3, select the Sample Automatically Every check box to indicate
whether the computer will sample data periodically based on the interval you set. This check box is selected by default. Type the number of seconds you want
to use(mcse exam) for a Exams sampling interval in the Seconds box. The number of seconds is set to 1 by default.
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A Used Computer May Be What You Need

The belief is that you should always keep abreast with the newest technologies in computers. A consumer must always be at the forefront of what is the latest model, fastest processor or the most talked about PC peripheral. That means buying the latest computer you can find, and that also means brand new computers. Used computers for sale will not even be considered.

With affordable used computers and used laptop computers, you won't have to worry too much. The low price means that it's easily replaceable. So if you're planning on buying a laptop for your children you can start them off with a used laptop so they'll learn how to take care of it and if they've learned how to care for an electronic gadget then you won't have to worry if you decide to buy them a new one at a higher price.

But it's really a big mistake to think that this is what you should do when buying computers and laptop computers.


Buying computers should not be based on what is new and what is the latest, but rather on what the computer or laptop will be used for. For example, if you are the a hardcore computer gamer or you will use your computer or laptop for your work as a video editor or computer designer, then it stands to reason that you will indeed need the fastest and latest computers out there. The reason for this is that the computer will have to work overtime and will require speed and fast processing power in order to go perform the tasks of rendering graphics and other tasks smoothly and efficiently.


But if you're really only going to use it for surfing the internet or doing homework or encoding data for office duties that you sometimes bring home then getting that ultrafast computer is really just a redundancy and a waste of money. The tasks mentioned above can be ably fulfilled by a mid-level computer and there are many sufficiently fast computers that you can by used. There are many web sites that offer used computers and used laptop computers for really affordable prices. These used laptops for sale are so affordable, you can have them a for a fraction of what you will spend on the latest computer in the market. Do you really want to spend up to a couple thousands of dollars just to buy the latest computer models that you won't even be able to maximize even at your busiest? Don't you think that it is just a waste of money and it is money that you can spend on something else that may be more important for you and your family?


In order to give you a better perspective on the price discrepancy and the functions of computers, try to visit a web site that offers used computers and used laptop computers for sale. You will immediately notice how affordable these used products are. And if you're worried about used computers and used laptop computers not being very durable then rest assured that there are also stores that already provide a warranty for the used computers and used laptop computers they sell.


So next time you're on the market for a computer, think first before you buy. You just might need a used computer instead of throwing away your money on brand new computers you don't need after all.
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