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Nov 24

Black Friday

  I am not a sale type of person.  I have never got in line at some store for a sale.  I would never rush in a story or push and shove to get something. 
No I am not rich.  I would call myself poor.  I was middle class one time.  But after a divorce I do not think I was every middle class again.
  But sale time is here …  I see that Seagate has portable HDD drives on sale right now.  A 1TB for $49.00  and 2TB for $74.00 I guess is a good deal.

Radioshack_TRS80-IMG_7206  God I remember when the cost of a hard drive would cost you an arm and  leg.
When I got my Radio Shack Model I computer it came with a tape recorder for data transfer.  There was no hard drive for it.  Hell no drive of any kind.  The tape recorder was your storage unit.
  I wanted to add a floppy drive to it.  It would hold 360K of data! It cost $350.00 for that floppy drive.  But I would have had to add a interface first to support it and the interface cost $350.00 so the cost would have been $700.00 to add a floppy drive.
  Later I got a Tandy 2000 computer and had a 10 MB hard drive.  Later I would buy a second Tandy 2000 computer.


  I am just going to stick with the Amazon Deal of the Day.  They also have the Amazon Deal of the Week. 


  If I can not talk myself out of it I am going to be buying in a few hours a TCL 28 inch 720p Roku TV

  I am thinking of doing one-day shipping. 

Nov 23

Cat Music

Finally: Someone is making a music album specifically for cats. http://voc.tv/1P6L9zh

Posted by Vocativ on Thursday, November 19, 2015

Nov 23

There is a Roku 4 now!

  Of course… of course.. I decided what I was going to do … Then today I heard that Roku is going to be on sale in a day or two for $25.00 and then I started doing some looking around and I hear they now have a Roku 4 out.  It is $130.00 and it is in Walmarts and BestBuy.
  What do I do now?


Amazon has it now.  How did I miss that there was a Roku 4 out?

Ships from and sold by Amazon.com.

  • 2,500+ streaming channels. Choose from the biggest selection of streaming entertainment, including movies, TV shows, music, sports, news, international, kids programming and more.
  • Captivating clarity. Brilliant picture quality for 4K Ultra HD TVs, with 4X the resolution of full HD and the next generation of streaming technology.
  • Advanced up-scaling of 720p for HD TVs and 1080p HD streams to brilliant 4K Ultra HD on 4K TVs.
  • Voice search. Just say what you’re looking for into the enhanced remote and get fast and comprehensive search results by title, actor, or director.
  • The Roku Feed. Follow your favorite entertainment and always know where it’s ready to stream and at what price.

Nov 23

Credit scores

  Two or three corporations control our lives.  They are the credit rating corporations.

The two that I follow are TransUnion and Equifax.  I been watching my credit scores for a few years now. 
You know how open and honest I am with all of you guys…I never hold back anything.  I am not telling you my credit scores.  I think that tells you something.

  Well today my TransUnion score went up 26 points. The Equifax score did not go up.

  I had to do some digging around to find out why my score went up that much…Here is what I found out.

See:   Credit Karma

This week, Credit Karma began to slowly roll out a beta website redesign, including a new type of credit score: the VantageScore 3.0 score provided by TransUnion. We want you to know why we believe these changes will deliver more value.

Why the Changes?

More than six billion VantageScore credit scores were used by lenders and other industry participants, including seven of the top 10 largest financial institutions in the U.S., in the 12-month period from July 1, 2014 to June 30, 2015. And the latest model, Vantage 3.0, is designed to score more consumers and be more predictive than others. Credit Karma is continually working to improve our members’ experience, including bringing more transparency, completeness and efficiency when it comes to credit. Everything included in this redesign, as well as some exciting additions soon to come, will make Credit Karma more helpful than ever.

VantageScore Is a Joint Effort

The VantageScore scoring model is a joint effort by the three major credit bureaus, designed to bring more consistency among credit scores. VantageScore Solutions reports that the majority of financial institutions, including eight of the top ten credit card issuers, six of the top ten auto lenders and all of five of the top mortgage lenders, use VantageScore to evaluate borrower creditworthiness.

My Score Is Different than Before

Some Credit Karma members may see a change in their credit score due to this transition. There are hundreds of credit score models out there, and each one has a slightly different formula for analyzing the more than 200 different factors of your credit report. You never know what score a bank will use to evaluate your credit worthiness, however VantageScore 3.0 is a strong predictor for what the banks may see.

The New Design

As for the new site design elements, Credit Karma’s full feature set isn’t quite yet fully integrated, but members can expect to see full functionality return within a matter of weeks. The new design makes the website more responsive and lightweight. Stay tuned, because these changes are the first of several we’re certain you’ll be excited about.

These initial changes will roll out over the next few weeks, and your mobile apps will soon update as well. Thanks for your patience.

If you’ve already seen the changes, we’d love your feedback. There is an opportunity on the log-off page to share your thoughts, and you may also email support@creditkarma.com with the subject line, “Feedback on the redesign.”

Thanks. Happy holidays.
Credit Karma CEO and Founder

Nov 22

28 inch Roku TV

  I just posted here that I was going to buy a Roku 3 unit in a few days.  My plan was to hook it up to my old HP 23 inch monitor.  Then I started to think …I was going to need speakers for the monitor.  I have a couple sets of speakers I was not using.  But then I would need the desk space for the speakers.
  I was doing some searching and looking around and then I found this:




  Yes a Roku TV.  The Roku unit was going to cost me $100.00 and if I go this with the TV I get the Roku and am only playing $70.00 for a 28 inch TV.  I will have the speakers.  I will then not have to use my old monitor and will have it here if I or someone else needs a monitor.
  Plus the Roku TV has 3 HDMI ports, 1 USB port, RF, Composite and headphone jack.
  Now my monitor is 1080p and this TV would only be 720p.
  But the TV will only be 24 inches from my face.  The TV also had built-in Wi-Fi. 
  I think I should go with the TV set.  What do you think?

Nov 22

Update from Jim’s shack

    In just a few hours it will be Hilary’s birthday.  Sven, Hilary’s husband, sent me her birthday gift and I will give it to her in a few hours.  She is going to be very happy with the gift.
    Hilary packed her tent up today … I hate to see her trying to carry all that stuff back to Sweden.  I hope I can talk her into shipping stuff back to Sweden and not trying to take it on the aircraft with her.


    Hilary is going to be here until after Christmas (USA Xmas).

    I just put my contacts into Mailbird Pro.  I have 508 contacts.  I have got to do something about contacts.  I guess if I see a contact and I have no idea who it is.. I should delete it. 


  Ran the clippers over my head today.  I look, I think, a lot better without hair.  My hair is now gray and I notice now it looks very thin on the sides.  The photo above was taken today with the Logitech C930e.  I love that USB camera.  I also love my digital camera.  It is Panasonic DMC-LK7. 
  Next week I am going to order a new Roku 3.  I have a Roku 2 hooked to the TV set in the living room.  Hilary has been watching a lot of stuff on it.  I am so glad ..because Russ and I just stay in our own rooms.
  The Roku 3 I will hook up to my old monitor. In fact in the photo above I would be looking at the old monitor.  So I can set and work on stuff on my computer and watch Twit.  I might will try and find movies to watch on Netflix, Amazon Prime and Hulu.  Hard to find movies that I like.

Nov 22

Mailbird Pro

  I told you in the past about Mailbird.  Well, I think, in September of this year I told you that I was trying it with Windows 10 and that I was not very happy with it.
  I am trying it again and I will let you know how it works now.

Nov 22


  I use WordPress software for Howard’s Notebook.  They upgrade it and add new functions all the time. 
  A new one, that I like, is “Testimonials and I have started to see how I can use it here.  The very top of HNB in the right hand corner of the top menu you will see it.  Click and you will get an idea.  It can be set up to show in different areas etc.
  IF you want to make some statement about the blog, Howard’s Notebook, or me feel free to leave email message to me or just post a comment here on Howard’s Notebook and I will see if I want to work it into the new Testimonials.

Nov 22

YouTube Video Blog for 11/22/2015

Nov 22

Donald Trump and His Supporters

  I am a history buff.  I know about history.  
I have had a sickening feeling in my stomach and even heart wrenching feelings deep down about the Republican Party. 
As a American I just have not wanted to accept the fact that the Republican Party the GOP (abbreviation for Grand Old Party) has become the  Nazi Party!  The GOP is now the brown shirts! How can it happen in the United States?  But is has happened.

  Donald Trump is the leader now in the Republican Party.  The party of President Lincoln, President Grant, Theodore Roosevelt, Herbert Hoover, Dwight Eisenhower, Gerald Ford, Ronald Reagan and President George H. W. Bush.
  How could this happen to the Republican Party?  How could the GOP be taken over by a man that is so stupid and anti-American?
  I took at  Donald Trump and I see a young Adolf Hitler. 
Well I see him more as a Mussolini and his supporters more like the Black-shirts.

  When a black lives mattes protester is punched and kicked at a Trump rally as Trump is yelling “Get him the hell out of here!” …  It looks and sounds like the 1930s in Germany and  Italy.
  Adolf Hitler put in his book “Mein Kampt” what he was going to do.  It was published in 1925.  Hitler made sure that he got paid for every copy of his book sold.  He even passed a law, when he came to power, that all couples that got married were given a copy by the government.  Sound like anyone you know now days?

You know, in Germany, in the beginning Hitler was also a joke.  People made fun of him.
But then business people and corporations got behind him. They felt they could use him and control him.  Look what happened to them and too Germany.

There are good people in the Republican Party.  I do not see them or hear their voices now.  But I still think they must feel worst about what has happened to the GOP than even I feel.  I think they will stand up like men and take back the GOP before it is too late for them, their party and for the United States.

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