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    <updated>2008-11-17T05:58:59Z</updated>
    <subtitle>Reviews, Technology, Investing.</subtitle>
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<entry>
    <title>iPhone 3G Review</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2008/11/iphone_3g_review.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=85" title="iPhone 3G Review" />
    <id>tag:www.topicpoint.com,2008://2.85</id>
    
    <published>2008-11-17T05:41:55Z</published>
    <updated>2008-11-17T05:58:59Z</updated>
    
    <summary>As an owner of the original iPhone, it was a tough decision whether to upgrade or not to the new 3G iPhone. It is a lot like the original iPhone, but with a number of small improvements....</summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="iPod &amp; MacBook" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        As an owner of the original iPhone, it was a tough decision whether to upgrade or not to the new 3G iPhone.  It is a lot like the original iPhone, but with a number of small improvements.  
        
A lot of people wonder whether they should upgrade or not to the new 3G iPhone.  In the end, I decided to upgrade, and, overall, I&apos;m happy with the choice.  

The 3G iPhone retains all the elements that made the original iPhone a success:  support for web browsing through both wifi and the cell phone network, integrating a cell phone, camera, mp3 player, and internet appliance all in one seamless, beautiful, and easy-to-use device.  The design is classic and beautiful, the touch screen user interface is a pleasure to use.  And web browsing on such a small device actually works remarkably well.

The main improvements (in my opinion) of the 3G iPhone are the upgraded 16GB flash memory and the GPS.  The fact that it&apos;s on a slightly faster 3G network is nice, but generally not a very noticeable improvement most of the time.  The extra memory is great to have, as it lets me store a much larger selection of podcasts to listen to.  The GPS is also great to have for getting around- I use it all the time!  One other minor improvement is the normal-sized headphone jack, a very welcome improvement.  Early reviews were critical of the battery life.  However, Apple fixed those battery issues with a firmware update.  I find that with normal use (and I use it a lot), the battery lasts almost 2 days, which is about the same as my original iPhone.

The real game changer for the iPhone (both original and 3G) is the new Apple App Store.  In just a few short months since Apple allowed 3rd party applications to develop for the iPhone, there has been an explosion of wonderful applications available.  The iPhone is now a new software platform.  To have the power of a fully internet-connected computer in your pocket is a truly wonderful thing.  

In my opinion, the iPhone is still the best choice of all the smart phones available.  Apple got nearly everything right with this product, and the 3G iPhone, while mostly evolutionary, continues to improve on a great product.


    </content>
</entry>
<entry>
    <title>Kindle Review - One Month In</title>
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    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=84" title="Kindle Review - One Month In" />
    <id>tag:www.topicpoint.com,2008://2.84</id>
    
    <published>2008-05-26T22:53:42Z</published>
    <updated>2008-05-26T23:50:42Z</updated>
    
    <summary>The Amazon Kindle is a significant product- it is the first e-book reader to offer a built-in wireless network connection and integrated book store. You can wirelessly buy books, newspapers, and magazines from the Kindle without a computer. I for...</summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="Reviews" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        The Amazon Kindle is a significant product- it is the first e-book reader to offer a built-in wireless network connection and integrated book store.  You can wirelessly buy books, newspapers, and magazines from the Kindle without a computer.  

I for the most part have given up reading physical newspapers, having switched to electronic, web-based news sources.  My hope was that the Kindle would be a nice alternative for my information sourcing needs when away from my computer.  Here&apos;s what I found:
        <![CDATA[<h3>Design:</h3>
The size and weight of the kindle is nearly ideal.  I wouldn't mind if the screen were slightly larger, or if it were slightly thinner.  It definitely could use a makeover though- it definitely  is not very cool from an aesthetic design point of view rather, it's mainly functional.  The buttons, as many other reviewers have commented on, are far too large and far too easy to accidentally push.  The user interface is unusual.  The kindle uses a sort of side-cursor with scroll wheel, along with keyboard for its UI.  It's easy to use, and easy to become familiar with, but, I am puzzled why they didn't build it with a touch screen interface which would probably be more natural to work with.

<h3>Screen:</h3>
The screen is very good.  It is very readable in bright sunlight, unlike most electronic devices.  It's less readable in dim light, due to lack of a backlight, but that is a correctable problem (with a portable reading light for example).  The screen has a slightly gray look to it, and I'd say it has a similar look and contrast to traditional newsprint.  The Kindle displays black and white (with some grayscale).  I have read hundreds, if not thousands of pages on the Kindle, and it works fine as an e-book reader.  I do wish the Kindle opened up to have two screens, to more closely mimic a real book, as I find myself turning pages a lot more than I'd like to.

<h3>Wireless Book Store:</h3>
The star feature of the Kindle is its wireless book store, and, I think it works great.  I have bought several newspapers and books for the Kindle.  Buying is quick and simple.  The book-buying experience even has reviews, helping you make your decision.  Buying newspapers and magazines needs some improvement- you don't see any headlines or stories, so deciding whether or not to buy is a much tougher decision than it needs to be.  

When given the choice of buying a physical book or newspaper or a Kindle version, I would choose the Kindle version.  The convenience is that good.  For magazines, I think I still like the physical magazine because of a better handling of color pictures- the Kindle has no color.  

<h3>Extras:  Internet, MP3 Player</h3>
The Kindle comes with a few extras.  
<ul>
   <li> Web browsing</li> - There's a very simple web browser built in.  The keyword here is simple, as this browser has a very hard time rendering all but the simplest web pages.  If you stick to the mobile version of web sites, you'll have much better luck.  But, the download speeds are rather slow.  This is one area I'd love to see improved.  Despite having a much larger screen than the iPhone, the web browsing experience is far inferior to the iPhone.
   <li> MP3 Player</li> - There's also a very simple MP3 player built in.  It has virtually no features other than letting you play  a list of MP3 files.  Again, I'd love to see this improved, as I listen to a lot of podcasts.  
</ul>

Another wish I have for the Kindle is better support for electronic documents such as PDF files.  You can mail PDF files to yourself, and they are converted to a format compatible with the Kindle, however, the experience of reading PDF files is just plain painful.

<h3>Battery Life</h3>
I haven't specifically measured battery life, but, my observations from a month of use are.... if you have wireless networking turned on, your battery life is severely shortened- to less than a few days.  If you actively use the wireless network continuously, such as for web browsing, expect even shorter battery life, such as far less than a day.  

<h3>But, is it Indispensible?</h3>
Overall, I really like the Amazon Kindle.  I find it useful, usable, and convenient.  I don't however, find it to be indispensible.  My life is more convenient with the Kindle than without, and, given a choice, I'd choose to buy newspapers or books for the Kindle instead of physical ones.  The Kindle is an excellent travel companion for long flights or train rides.  Currently, it's a good product, but one that is bound to improve with future iterations.


]]>
    </content>
</entry>
<entry>
    <title>iPhone Review: The Real Deal</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2007/07/iphone_review_the_real_deal.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=83" title="iPhone Review: The Real Deal" />
    <id>tag:www.topicpoint.com,2007://2.83</id>
    
    <published>2007-07-09T01:54:29Z</published>
    <updated>2007-07-09T02:45:33Z</updated>
    
    <summary>Okay, everyone&apos;s heard about the iPhone by now... now, how good is it REALLY? I have been using the iPhone for a week now, and I have found it has some fantastic features as well as some not-so-great drawbacks. The...</summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="iPod &amp; MacBook" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[<img width="127" height="115" border="0" align="left" src="http://topicpoint.com/images/iphone_sm.jpg" alt="iphone" title="iphone" />Okay, everyone's heard about the iPhone by now... now, how good is it REALLY?  I have been using the iPhone for a week now, and I have found it has some fantastic features as well as some not-so-great drawbacks.  The iPhone is not the first cell phone + PDA + music player combination, however, it manages to put those features together far better than any other device I have seen so far.  ]]>
        <![CDATA[<p>First, the good:  The physical design of the iPhone is great.  It is classy, timeless, beautifully crafted.  It doesn't feel cheap at all (unlike many cell phones).  The touch screen interface is very well thought-out.  I found it to be very easy to use.  Furthermore, the multi-touch interface tries and does a good job imparting a feeling of manipulating physical objects in a virtual world (dragging things, moving things around).    </p><p>&nbsp;<br />The applications on the iPhone work very well, and are very well-integrated.  I appreciate the fact that I can send an email of a picture or a note to someone in my contact list, or that I can touch a URL I have entered for a contact to go to their web site, or that I can instantly see the Google map for the address of a contact.  The visual voicemail works quite well.  It gives an email-like view of your voicemail.  I think the audio quality of voicemail messages could be better though.  The built-in email application works with GMail, Yahoo Mail, or any other POP3 mail server.  It's fairly basic, but, just simply works!  You can set it up to only check mail when you want it, or to check automatically every 15, 30, or 60 minutes (it's not as immediate as a true &quot;push&quot; email, but it's a reasonable approximation).  </p><p>Web browsing with Safari is not bad.  About as good as could be expected from such a small device.  Using WiFi, sites load and render at a moderate speed (I wouldn't say it's fast, but, it's definitely usable).  I think if they had a slightly faster CPU, the browsing experience would be even better.  Using the EDGE cellular data network was not bad either, though definitely slower.  Usable but, of course, I wish it were faster.  At this time, the iPhone doesn't handle Flash sites (but it's rumored to be an upcoming feature update).  Over the course of a week, Safari has crashed a few times, but, I expect they will fix these issues with a software patch.  </p><p>The built-in Google Maps application works very well.  It's a very nicely done portable mapping application with local search built-in.  It has the standard street view as well as a satellite image view.  And, on top of that, it also can show real-time traffic status.  </p><p>The iPhone has an  video iPod built in.  It is beautifully implemented, with CoverFlow, video playback, and of course, audio playback.  They do need to fix a few small issues, such as the fact that there's no way to view detailed information about podcasts, and they should scroll podcast titles that are too long.  Also, my standard headphones don't seem to work with the built-in headphone jack.  The iPhone also has a speaker, making it the first iPod to include one.  I find that I use the speakers quite a lot (they are very tiny, and also very tinny, but, very convenient).  As a PDA, the iPhone excels.  </p><p>It has a simple but useful calendaring application with support for periodic events and alerts.  It also has a great contact manager application.  The Notepad application is really basic- I wish it had some more features.  And, I wish they had built in a voice recorder.  You can sort-of fake it by leaving yourself voicemails, but, it's not quite as good as a true voice recorder application.  </p><p>The built-in camera is probably the weakest point.  Although it's a 2 megapixel camera, I found the image quality to be fairly poor.  It will not replace your existing camera.  It's okay for occasional snapshots, but the image quality is not going to win any awards, by a long shot.  Sharpness is lacking, and there are no camera controls whatsoever.  </p><p>One of the controversial aspects of the iPhone is the touch-screen keyboard.  How is it to type on?  Well, it does take some getting used to.  I find it usable for short messages.  The auto-correcting feature works fairly well.  </p><p>I think the iPhone is a ground-breaking product for Apple.  It not only puts them on the map in the cell phone world, but also puts them at the top of the heap.  It's a product that works well, and integrates so many useful functions into one device.  The screen is great, the user interface works very well, it's easy and intuitive to use, and, it's just plain cool.  However, it is only the beginning, and you can't help but wish for improvements and extensions.  Surely future versions will tempt you to upgrade.</p><p><img width="512" height="460" border="0" src="http://topicpoint.com/images/iphone.jpg" alt="iphone" title="iphone" />&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>iPhone: AT&amp;T Activation Hell</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2007/07/iphone_att_activation_hell_1.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=82" title="iPhone: AT&amp;T Activation Hell" />
    <id>tag:www.topicpoint.com,2007://2.82</id>
    
    <published>2007-07-01T09:12:47Z</published>
    <updated>2007-07-01T23:51:23Z</updated>
    
    <summary><![CDATA[I just got a new iPhone!&nbsp; The process of buying it on opening day was quite smooth.&nbsp; The Apple Store in Palo Alto had everything worked out, and things were so streamlined that even with 200-300 people in line in...]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="iPod &amp; MacBook" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[<p>I just got a new iPhone!&nbsp; The process of buying it on opening day was quite smooth.&nbsp; The Apple Store in Palo Alto had everything worked out, and things were so streamlined that even with 200-300 people in line in front of me, I was out the door with a new iPhone in less than half an hour.</p><p>However, Activation Hell began when I tried to activate the iPhone. <br /></p>]]>
        <![CDATA[ It is unfortunate that the iPhone is almost completely useless without activation (you can't use iTunes, you can't browse your calendar, you can't view pictures, you can't browse the web on wifi).&nbsp; The only thing you can do is turn it on and make a 911 call.&nbsp; So, anyways, the activation system on iTunes sent me an email saying this was going to take a while.&nbsp; So, I waited, and waited, and waited, and 9.5 hours afterwards I got an email:<p>&quot;We're sorry. AT&amp;T has identified a problem with the information you provided. <br /><br />For more information, call 877-800-3701.&quot;</p><p>So, I called customer support at AT&amp;T, and after a 2.5 hour wait, the person I talked to said things were fixed and it should be active in an hour or so.&nbsp; Well, I waited, and waited, and waited, and, 24 hours after starting all this, I still had no ativation!&nbsp; Calling customer support again (and waiting an hour on hold) I got through to someone that ended up calling in a supervisor.&nbsp; Anyways, the supervisor did some magical thing and, 5 minutes later it was activated!&nbsp; </p><p>&nbsp;Well, maybe not.... although the phone was activated, but the wireless service was not- it was getting no signal connection at all.&nbsp; I figured I would just wait and maybe it'd come up later.&nbsp; Well, 38 hours from the start of this process, got another email saying my wireless service plan was not compatible with the iPhone!&nbsp; Guess what- they are FORCING me to switch to a more expensive plan, despite the previous statements (and the activation signup screens) stating that if you're an existing customer, you can use your existing plan but just add a $20 data plan.&nbsp; Nope, the greedy company wants to force me to a plan that's 34% more expensive than what I have (a $39 plan vs. my $29 plan) making it $59/month with the additional $29 data plan.&nbsp; I think this is unethical and very anti-consumer.&nbsp; Another catch- when you switch to your new plan, if you had an international plan, that disappears, so, unless you explicitly tell them to, you will get the default outrageously expensive international rates.&nbsp; The &quot;new AT&amp;T&quot; as they call themselves, is all about squeezing as much as they can out of the customer.&nbsp; <br /></p><p>AT&amp;T should have been prepared for this.&nbsp; They knew Apple's iPhone was going to launch with a lot of interest, and they should have had a smoother process.</p><p>&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>Review: LG Tromm SteamWasher WM2487H</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2007/06/review_lg_tromm_steamwasher_wm.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=81" title="Review: LG Tromm SteamWasher WM2487H" />
    <id>tag:www.topicpoint.com,2007://2.81</id>
    
    <published>2007-06-19T04:25:27Z</published>
    <updated>2007-06-19T04:46:51Z</updated>
    
    <summary><![CDATA[One of the best things you can do for the environment is upgrade your aging washing machine to a new energy-efficient, water-efficient front loader.&nbsp; With much research, I did exactly that, and learned quite a bit from the process....]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="Reviews" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[One of the best things you can do for the environment is upgrade your aging washing machine to a new energy-efficient, water-efficient front loader.&nbsp; With much research, I did exactly that, and learned quite a bit from the process.<br />]]>
        <![CDATA[<p>The first thing you need to do when buying an energy efficient washer is to consult the&nbsp; <a onclick="return top.js.OpenExtLink(window,event,this)" target="_blank" href="http://energystar.gov/">energystar.gov</a> web site.&nbsp; EnergyStar has some information showing the efficiency of various washing machine models:<br /><a onclick="return top.js.OpenExtLink(window,event,this)" target="_blank" href="http://energystar.gov/index.cfm?fuseaction=clotheswash.display_products_html"> http://energystar.gov/index.cfm?fuseaction=clotheswash.display_products_html</a><br />See also:<br /><a onclick="return top.js.OpenExtLink(window,event,this)" target="_blank" href="http://energystar.gov/index.cfm?c=clotheswash.pr_clothes_washers">http://energystar.gov/index.cfm?c=clotheswash.pr_clothes_washers</a></p><p>The thing you should try and look for is the energy usage in kilowatt hours per year (kWh/year), and the water factor.&nbsp; If you're under around 200 kWh/yr or less, that is pretty good.&nbsp; A water factor of 3 or greater is also good to have.&nbsp; My LG Steamwasher uses 167 kWh/yr and has a 3.4 water factor.&nbsp; A normal top-load washer uses about 40 gallons per load- the front load LG 2487 uses approximately 12 gallons per load- amazing!&nbsp; Getting the most efficient washer may also help you in obtaining rebates from your utility companies (for instance, I was able to get rebates from both my water company and my electricity company).<br /></p><p>After owning the Steamwasher for over a month, I am quite happy with it.&nbsp; The noise level is very good, which is important since the washer is just in a utility closet next to the living room.&nbsp; It's quiet enough that when watching TV, if the washer is running, I barely need to increase the volume.&nbsp; The usability is also excellent- I think the controls are very easy to understand and well-designed. &nbsp; The speed is acceptable.&nbsp; Most front-loading washers are substantially slower than top-loaders.&nbsp; The LG Steamwasher normally takes about 51 minutes for my standard load, but, it also has an optional fast wash cycle.&nbsp; If your clothes are not too dirty, you can also opt for a steam wash cycle.&nbsp; The only negatives I have found are: the way the door opens is not reversible and the washer gets rather smelly due to moisture unless you leave the door open after using it to let it dry out.<br /></p><p>Here are some reviews of the 2487 and 2688 (the 2688 is the nearly-identical model of the one we're getting, but it has a lot more reviews):<br /><br /><a onclick="return top.js.OpenExtLink(window,event,this)" target="_blank" href="http://www.epinions.com/LG_Electronics_4_0_Cu_Ft_Front_Load_SteamWasher_Wild_Cherry/display_%7Ereviews"> http://www.epinions.com/LG_Electronics_4_0_Cu_Ft_Front_Load_SteamWasher_Wild_Cherry/display_~reviews</a><br /><a onclick="return top.js.OpenExtLink(window,event,this)" target="_blank" href="http://www.epinions.com/LG_WM2688HWM_TROMM_SteamWasher_27in_Front_Loading_Washer_4_0_Cu_Ft_White/display_%7Ereviews"> http://www.epinions.com/LG_WM2688HWM_TROMM_SteamWasher_27in_Front_Loading_Washer_4_0_Cu_Ft_White/display_~reviews</a></p><p>Overall, I highly recommend the LG Tromm WM2487H SteamWasher.&nbsp; Although it is a bit more expensive than a top-loading washer, the rebates, energy savings, and lower impact on the environment are, in my opinion, worth the price.</p><p>&nbsp;</p><p>&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>Choosing an HD Camcorder:  Sony HC7 vs. Panasonic SD1 vs. Canon HV20</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2007/03/choosing_an_hd_camcorder_sony.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=79" title="Choosing an HD Camcorder:  Sony HC7 vs. Panasonic SD1 vs. Canon HV20" />
    <id>tag:www.topicpoint.com,2007://2.79</id>
    
    <published>2007-03-24T07:13:11Z</published>
    <updated>2007-03-24T07:47:29Z</updated>
    
    <summary><![CDATA[There are a lot of excellent high definition (HD) camcorders. I want to get a high quality, feature-rich, compact-sized camcorder.&nbsp; I want full HD support, either 1080i, 1080p, or 720p.&nbsp; After several weeks of research, I narrowed my decision down...]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="videography" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[There are a lot of excellent high definition (HD) camcorders. I want to get a high quality, feature-rich, compact-sized camcorder.&nbsp; I want full HD support, either 1080i, 1080p, or 720p.&nbsp; After several weeks of research, I narrowed my decision down to three possibilities, the Sony HC7, the Panasonic SD1, and the Canon HV20.&nbsp; Here's how I chose...<br />]]>
        <![CDATA[<p>There were a few general requirements I had.</p><ul><li>Support for full HD (1440x1080 or 1920x1080) resolution</li><li>Microphone and Headphone ports (for better audio recording)</li><li>Compact and light (less than 1.5 pounds)</li><li>Good low light image quality<br /></li></ul><p>Well, let's get right into it- here's what I thought about the choices.</p><p>Sony HC7 - Sony's camcorder has excellent picture quality in bright light.&nbsp; However, its downfall, according to this <a href="http://www.camcorderinfo.com/content/Sony-HDR-HC7-Camcorder-Review/Performance.htm">camcorderinfo.com review</a>, is its low light performance.&nbsp; And unfortunately, I think most of my video recording will be in low light- indoors in the evenings, outdoors at dusk or nightfall.&nbsp; The HC7 does have one fantastic advantage- Sony's ECMHW1 bluetooth wireless mic.&nbsp; Wireless microphones are expensive and hard to find, and are the key to good audio quality, and Sony seems to have the best inexpensive solution for this problem.</p><p>Panasonic SD1 - This is a fantastic 3CCD camcorder.&nbsp; With 3 CCDs, it has decent low-light performance (according to <a href="http://i4u.digitaltrends.com/review4333_intro21672.html">this review</a>).&nbsp; In addition, because it uses SD flash memory for recording video, it is very compact.&nbsp; I love the design and size of this camera!&nbsp; And I love that it uses SD flash memory- it comes with a 4GB flash memory, good enough for about 40 minutes of HD video.&nbsp; However, AVCHD is currently too hard for my computer to handle and lacking in software support (which should change over time).&nbsp;&nbsp; Also, the SD1 doesn't support 24P recording, which would be nice to have.</p><p>Canon HV20 - Canon's second HD camcorder, a follow-up to the HV10, is a camera that has a few outstanding features that tip the scale in its favor.&nbsp; First and foremost, decent low-light performance.&nbsp; Second, support for 24P recording at 1440x1080 HD resolution.&nbsp;&nbsp; And third, its excellent Instant AF, Canon's ultra-fast auto-focus system.&nbsp; It uses HDV tape, and is reasonably small (though I wish it were as small as the Panasonic SD1).&nbsp; Support for 24P (a frame rate of 24 frames per second) is astounding because at this time, no other consumer-level camcorders do true 24P (some such as Sony camcorders, have a fake 24F mode).&nbsp; 24P is cool for several reasons- first, it is the frame rate for film movies, and the &quot;film look&quot; is something that is much sought after by independent movie makers.&nbsp; And second, 24P allows for better low light image quality since you can get away with a 1/24 second shutter speed, as opposed to the standard 1/60 second maximum for standard 60i video (60 frames per second).</p><p>So, I took the plunge and chose the Canon HV20.&nbsp; Stay tuned for my review of the Canon HV20.</p><p>&nbsp;</p><p>&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>Buying an HD Camcorder - Research First</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2007/03/buying_an_hd_camcorder_researc.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=78" title="Buying an HD Camcorder - Research First" />
    <id>tag:www.topicpoint.com,2007://2.78</id>
    
    <published>2007-03-24T06:39:59Z</published>
    <updated>2007-03-24T07:47:57Z</updated>
    
    <summary>Whenever I put my money into a big-ticket item, I do my research. Here&apos;s what I found in researching high definition (HD) camcorders. Anyone looking into HD camcorders should learn from my experiences....</summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="videography" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[Whenever I put my money into a big-ticket item, I do my research.  Here's what I found in researching high definition (HD) camcorders.  Anyone looking into HD camcorders should learn from my experiences.<br />]]>
        <![CDATA[<p>The era of high definition television (HDTV) is well underway, with large screen LCD, plasma, and projection TVs.  And so, with my decision to buy a camcorder, I would think of nothing less than getting an HD camcorder.  There are currently two dominant data formats for HD camcorders:  </p><p><a href="http://en.wikipedia.org/wiki/AVCHD">AVCHD</a>:  A brand new format, based on MPEG-4, H.264.  AVCHD files are typically recorded either onto hard drives, DVDs, or flash memory.  This format is currently so new that many video editing software programs do not support it yet.&nbsp; Compressed files are supposed to be about twice as small for an equivalent quality HDV file.&nbsp; But you'll have to have a very fast CPU.  </p><p>&nbsp;<br /><a href="http://en.wikipedia.org/wiki/HDV">HDV</a>:  High Definition Video.  A digital format for HD video based on the older MPEG-2 compression format recorded onto DV tapes.  This format has widespread support by software such as video editing programs.&nbsp; HDV has a 25 megabit/s bitrate, and supports resolutions of up to 1440x1080.<br /></p><p>    Although AVCHD is the format of the future, due to practical reasons, I chose to go with HDV.  HDV has widespread support, and at least for the next few years, will likely be the dominant format for recording high definition video.&nbsp; In addition, AVCHD requires substantially more CPU power for processing.&nbsp; Currently I have a 2.0 Ghz Core 2 Duo, which seems to be just barely fast enough to play back full 1080i HD files and, unfortunately, is not quite fast enough to efficiently work with AVCHD (such as transcoding) unless you have a lot of time and patience.&nbsp; I think for reasonable AVCHD manipulation and processing of 1080i video, you'll want at least 4 Intel cores 2.5Ghz or faster at a minimum.<br /></p><p>Anyways, in doing my research, I came across some really good sites.</p><p><a href="http://www.camcorderinfo.com/d/Reviews&amp;level_b=Camcorder&amp;level_c=HD.htm">camcorderinfo.com</a> - This is one of the best review sites for camcorders.&nbsp; There are lots of in-depth reviews with lots of attention to detail.</p><p><a href="http://reviews.cnet.com/4323-6530_7-6548292.html">CNet HD Camcorders</a> - CNet does all kinds of tech reviews.&nbsp; Though not as detailed as camcorderinfo.com reviews, it is usually worth taking a look at CNet's opinion.</p><p>Also, once you narrow your choices down to a few models, Amazon.com is a good place to check for real user reviews and comments.</p><p>&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>Paying off Credit Card Debt vs. Contributing to a 401k Retirement Plan</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2006/12/paying_off_credit_card_debt_vs.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=70" title="Paying off Credit Card Debt vs. Contributing to a 401k Retirement Plan" />
    <id>tag:www.topicpoint.com,2006://2.70</id>
    
    <published>2006-12-27T23:00:50Z</published>
    <updated>2007-01-01T02:03:55Z</updated>
    
    <summary>Recently, a friend asked me why they should bother contributing to their 401(k) retirement plan rather than paying off their credit card debt. Credit card interest rates are usually pretty high, so, it seems like it should be better off...</summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="Debt" />
            <category term="Investing" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        Recently, a friend asked me why they should bother contributing to their 401(k) retirement plan rather than paying off their credit card debt. Credit card interest rates are usually pretty high, so, it seems like it should be better off paying down the credit card debt, right? Wrong! In many cases, contributing to a 401k is better- here&apos;s why....
        <![CDATA[There are two factors to consider when choosing what to pay off. <p>1. The credit card interest rate (usually between 9% and 29%).<br />2. The 401(k) matching rate (usually between 25% and 100%).<br /><br />Many companies do what's known as &quot;matching contributions&quot; where the company will also contribute to your 401(k) when you contribute. The amount they contribute varies, depending on the plan, but often it is a large fraction of your contribution, such as 25% to 100%. You can think of that matching rate as an instant guaranteed return on investment. Typical matching rates might be 100% for money up to 3% of your salary, which would mean a 100% effective rate of return if you put in 3% of your salary. You would be wise to at least contribute 3% of your salary to your 401k retirement plan to get that matching benefit- it is essentially FREE MONEY. Another matching example might be 25% up to 6% of your salary for example. In investing, you will rarely ever find a deal this good. Usually contributing at least up to the amount you need to get full matching contributions is the way to go. </p><p>What if your company doesn't have any matching or has a lower matching contribution benefit- is it still beneficial to contribute to the 401(k) rather than pay down other debt? That question becomes a lot more difficult to answer. If you have a lot of debt at high interest rates (12% or more), then paying it down as quickly as possible would be good. However, you still do need to consider investing it in your retirement plan. Historically, stocks have returned around 10% to 11% a year, so, if you have a lower interest rate debt, you are giving up on opportunity lost if you don't contribute. If your debt is at a very low interest rate (such as a mortgage, which might be from 4% to 9% interest rate), then your opportunity lost is more than your interest rate, so, it should be prudent to invest your money. Also, the money going to a 401(k) or other retirement plan may have tax benefits depending on your situation. Retirement money also compounds tax-free, which has further future benefits. You can always split your decision and contribute a small amount to your 401k and paying down debt with the remainder of your pay. </p><p>Some cautions on investing in a 401(k): Do you homework first. You need to pick investments that have a level of risk you're comfortable with, and you need to keep a close eye on fees. Consult a financial professional that you know you can trust if you need help choosing from your menu of investing options. </p><p>See also: </p><p><a href="http://www.gardenandhearth.com/Debt-Free-Living/GoodDebt-BadDebt.htm">Good Debt vs. Bad Debt (gardenandhearth.com)</a> </p><p><a href="http://money.cnn.com/2005/08/16/pf/expert/ask_expert/index.htm?section=money_pf">Should I stop my 401(k) contributions to pay off my credit-card debt? Our expert has some thoughts. (money.cnn.com)</a> </p><p>&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>Prosper Decision: Choosing a Group (To Join or Not to Join)</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2006/12/prosper_decision_better_joinin.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=69" title="Prosper Decision: Choosing a Group (To Join or Not to Join)" />
    <id>tag:www.topicpoint.com,2006://2.69</id>
    
    <published>2006-12-10T09:06:47Z</published>
    <updated>2006-12-12T08:02:13Z</updated>
    
    <summary><![CDATA[Prosper is an excellent person-to-person (P2P) lending system for borrowing to consolidate debt or get a loan.&nbsp; One of the first decisions you have to make when you sign up for Prosper as a lender or borrower is whether or...]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="Investing" />
            <category term="Lending(Prosper)" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[Prosper is an excellent person-to-person (P2P) lending system for borrowing to consolidate debt or get a loan.&nbsp; One of the first decisions you have to make when you sign up for Prosper as a lender or borrower is whether or not you should join a group.&nbsp; Choosing the right group if you're a borrower has far larger implications than you might at first think, and you may hurt yourself and your loan chances if you choose poorly.<br />]]>
        <![CDATA[<p>The group you choose in Prosper can really make or break your loan.&nbsp; Beginners on Prosper often make huge mistakes here without realizing the consequences.&nbsp; Furthermore, greedy group leaders can sabatoge your chances for getting a good rate and getting your loan funded!&nbsp; </p><p>My pet peeve about Prosper is they do a terribly poor job of educating borrowers about groups.&nbsp; The worst thing is what Prosper refers to as &quot;reward sharing&quot;.&nbsp; This is just a nice way of describing what are essentially (in my opinion) extra fees paid to group leaders.&nbsp; That's right, group leaders will take a cut of your loan, and sometimes it is a huge cut, depending on your credit rating.&nbsp; Here is a <a href="http://prosper.com/public/help/topics/groups-rewards.aspx">table of group leader rewards (fees)</a> tacked onto your loan.&nbsp; The most important one is the Payment Reward, which is a percentage of your loan, and this can be as high as 4% of your loan interest rate for E, HR, and NC borrowers.&nbsp; A 4% fee tacked onto a loan is simply outrageous, and should be avoided.&nbsp; The way these fees work is (using a hypothetical example of an E rated borrower):</p><p>&nbsp;&nbsp; * If your borrowing interest rate is 15%</p><p>&nbsp;&nbsp; * Then the group leader takes an 4% fee if they do 0% reward sharing<br /></p><p>&nbsp;&nbsp; * And the lender would see a rate of 15%-4% = 11%</p><p>On the other hand, if you are not in any group or are in a group with 100% reward sharing, the situation would be:</p><p>&nbsp;</p><p>&nbsp;&nbsp; * If your borrowing rate is 15%</p><p>&nbsp;&nbsp; * Then the group leader takes an 0% fee if they do 100% reward sharing<br /></p><p>&nbsp;&nbsp; * And the lender would see a rate of 15%</p><p>In order for the first case above to give the lender the same rate of return as the second case, you as a borrower would have had to ask for a 19% interest rate instead of 15%.&nbsp; Since with 100% reward sharing, the group leader &quot;middleman&quot; is not taking a cut, both you AND the lender end up getting a much better rate.&nbsp; So, <strong>ONLY JOIN GROUPS WITH 100% REWARD SHARING</strong>!&nbsp; There are so many excellent groups that do 100% reward sharing that it makes no sense to join one that does not.&nbsp; You actually may not even need to join a group if you have reasonably good credit and do a good job in posting your loan.&nbsp; See this table for <a href="http://prosper.com/public/borrow/">average rates for group and non-group borrowers</a>.</p><p>Another thing to consider when joining a group is whether it reveals something about you that you'd rather not reveal to a lender.&nbsp; Will the group you join help or hurt you by being associated with that group?&nbsp; Does the group have a good reputation and have a lot of members that have received funded loans?&nbsp; Do the group members lend to borrowers that join the group?&nbsp; Just a few things to consider.<br /></p><p>&nbsp;See also:&nbsp; <a href="http://www.topicpoint.com/2006/08/how_to_write_a_good_prosper_lo.html">How to Write a Good Prosper Loan Request</a></p><p>&nbsp;</p><p><br />&nbsp; </p><p>&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>MacBook Core 2 Duo (C2D) Battery Life</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2006/12/macbook_core_2_duo_c2d_battery.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=68" title="MacBook Core 2 Duo (C2D) Battery Life" />
    <id>tag:www.topicpoint.com,2006://2.68</id>
    
    <published>2006-12-04T08:38:15Z</published>
    <updated>2006-12-10T09:04:38Z</updated>
    
    <summary><![CDATA[I tested the battery life of my MacBook Core 2 Duo (C2D) under various operating conditions.&nbsp; Overall, the battery life is pretty good.&nbsp; Here's what I found:...]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="Reviews" />
            <category term="iPod &amp; MacBook" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[I tested the battery life of my MacBook Core 2 Duo (C2D) under various operating conditions.&nbsp; Overall, the battery life is pretty good.&nbsp; Here's what I found:<br />]]>
        <![CDATA[<p>&nbsp;</p><p>Battery Life | Test Description&nbsp;</p><p>2:40&nbsp;&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; | 100% brightness, bluetooth &amp; wifi onnormal web surfing<br />3:05&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | 50% brightness, 50% sound vol., bluetooth &amp; wifi, DVD playing<br />3:08&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | 81% brightness, web surfing, word processing<br />3:44&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; | 81% brightness, no bluetooth, wifi on, web surfing<br /></p><p>Also, I find that I'm able to easily get over 4 hours of normal use if I am extremely power-conscious (turning the screen brightness further down, turning bluetooth off).&nbsp; Being able to get over 4 hours on a laptop is very good.&nbsp; I'm fairly happy with the battery life of the MacBook C2D, though with a 3:05 time for DVD playing, I wish it lasted even longer (like long enough for two movies) since sometimes I take long airplane flights.<br /></p><p><br />&nbsp;See also my related posts:</p><p><a href="http://www.topicpoint.com/2006/11/review_macbook_core_2_duo_c2d.html">Review: MacBook Core 2 Duo (C2D) - Part 1</a></p><p><a href="http://www.topicpoint.com/2006/11/review_macbook_core_2_duo_c2d_1.html">Review: MacBook Core 2 Duo (C2D) - Part 2 - Performance&nbsp; </a></p><p><a href="http://www.topicpoint.com/2006/11/macbook_core_2_duo_c2d_review.html">MacBook Core 2 Duo (C2D) Review Update (Part 3)</a></p><p>&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>Choosing Between the Core 2 Duo MacBook and MacBook Pro</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2006/11/choosing_between_the_core_2_du.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=67" title="Choosing Between the Core 2 Duo MacBook and MacBook Pro" />
    <id>tag:www.topicpoint.com,2006://2.67</id>
    
    <published>2006-11-26T07:51:14Z</published>
    <updated>2006-11-26T08:15:15Z</updated>
    
    <summary><![CDATA[I spent quite a bit of time deliberating between the Core 2 Duo (C2D) MacBook and MacBook Pro models.&nbsp; In the end, I chose the C2D MacBook.&nbsp; Here's why....]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="iPod &amp; MacBook" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[I spent quite a bit of time deliberating between the Core 2 Duo (C2D) MacBook and MacBook Pro models.&nbsp; In the end, I chose the C2D MacBook.&nbsp; Here's why.<br />]]>
        <![CDATA[<p>With the Intel Core 2 Duo processor, we finally have a great mobile CPU that can capably run multiple operating systems at once.&nbsp; That gave me the extra incentive to investigate switching to Mac OS X.&nbsp; Apple basically has two choices in laptops, the 13.3&quot; MacBook, and the 15&quot; and 17&quot; MacBook Pro.&nbsp; I liked different elements in each of those models, and, had a difficult time choosing, because none of the models captures everything I want.</p><p>&nbsp;First, let's talk about the MacBook Pro.&nbsp; The MacBook Pro has a great keyboard (I personally like the feel of it much more than the MacBook's).&nbsp; In addition, it has a critically useful expansion card slot, an ExpressCard/34 slot, which is useful for sticking in flash memory cards.&nbsp; True, you can get a USB flash card adapter, but I hate things dangling or sticking out of my computer.&nbsp; The other thing the MacBook Pro has is a much better 3D graphics processor, the ATI X1600, which is fast enough for gaming.&nbsp; However, the MacBook Pro has some negatives such as a much larger size and also, the screen on display models I looked at seemed to have issues with very poor viewing angles and brightness falloff.</p><p>The MacBook has some important advantages over the MacBook Pro.&nbsp; First, there's price- for a similar configuration, I found that the MacBook was about $600 cheaper than a similarly configured MacBook Pro (but the MacBook Pro starts with a 2.16 Ghz processor whereas the fastest MacBook is 2.0 Ghz).&nbsp; Second, the MacBook is more compact in size, and also lighter weight (5.2 pounds vs. 5.6 pounds).&nbsp; I found it much easier to carry around the MacBook.&nbsp; Second, the screen on the MacBook seemed to have less brightness falloff.&nbsp; The smaller 13.3&quot; screen was a tradeoff I was willing to make, and since I don't do much 3D gaming, I was willing to live with the slower Intel GMA 950 graphics processor.&nbsp; I figured, I could always get a separate gaming console such as a PS3, Wii, or XBox 360 with the money saved.<br /></p><p>In the end, the MacBook won me over because if its size, weight, and price.&nbsp; It's overall a better value in my opinion, though it comes with compromises. &nbsp; After living with the MacBook for two weeks, I am still happy with that decision and would make the same choice today.<br /></p><p>&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>MacBook Core 2 Duo (C2D) Review Update (Part 3)</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2006/11/macbook_core_2_duo_c2d_review.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=66" title="MacBook Core 2 Duo (C2D) Review Update (Part 3)" />
    <id>tag:www.topicpoint.com,2006://2.66</id>
    
    <published>2006-11-26T06:51:29Z</published>
    <updated>2006-11-26T08:45:42Z</updated>
    
    <summary>After spending 5 days with my black Apple MacBook Core 2 Duo (C2D), the fan noise was driving me crazy, to the point that I almost hated using my MacBook. So, I decided to return my MacBook and exchange it...</summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="iPod &amp; MacBook" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        After spending 5 days with my black Apple MacBook Core 2 Duo (C2D), the fan noise was driving me crazy, to the point that I almost hated using my MacBook.  So, I decided to return my MacBook and exchange it for another one.  The Apple Store fortunately let me exchange it for another one, and, I anxiously rushed home to try out the new one.  
        <![CDATA[<p>Well, I can definitely say that my new MacBook C2D is MUCH better.  Typically the CPU runs at about 50C (122F) when just sitting there doing very little work (compared to 60C (140F) on my previous one).  That's a full 10C (18F) cooler!  When doing light work, because of the cooler temperatures, the fan is much less audible than my previous version.  Also, it now takes a lot more heavy work for the fans to kick in- watching a National Geographic video podcast now, for instance, doesn't cause the fans to go full out.  Things that really utilize the CPUs, like wandering around the 3D virtual world SecondLife, do cause the fans to kick in loudly though.&nbsp; The temperature when running a CPU intensive process is still about 80C, same as before.  For normal light to moderate use, the bottom of the machine gets fairly warm, but is actually usable on my lap, whereas my previous one was even warmer, to the point of being uncomfortable on my lap after a while.&nbsp; With the quieter fan and cooler temperatures, when doing light to moderate work, I am so much happier now, it's amazing.&nbsp; I am no longer afraid of using my MacBook in a quiet library.   </p><p>&nbsp;<br />Another benefit of this exchanged MacBook is its battery life is much better than my previous one.  Previously, doing moderate work with the screen at 3 notches below max, I got 2 hours 20 minutes of battery life- now, with the same settings, I get about 3 hours 8 minutes of battery life.  Running at maximum brightness doing quite a lot of work on it, I got 2 hours 40 minutes.  Being more aggressive with power savings (such as lowering the screen brightness, turning off bluetooth), I can easily get over 4 hours of battery life, and in fact, I think over 5 hours is achievable if you turn the screen brightness all the way down (which for me though, is a bit too dim).  I'm quite happy with the battery life now.  </p><p>&nbsp;<br />Now that I've owned a Core 2 Duo MacBook for about two weeks, I have some longer-term comments.  First, the finish on my black MacBook seems to be very delicate.  Carrying it around for a few days in my backpack, I've already noticed several blemishes- some of the finishes around the corners are wearing out, and also, the bottom has developed several very noticeable scratches.  I don't remember what else I had in my backpack, but it might have been some compact disks, a mouse, or a spiral bound notebook.  Anyways, to keep your MacBook looking good, you have to be extra careful with how you store and carry it.  Another thing that has developed is the hinge on my screen creaks noticeably when opening and closing.  Oh well, at least I now have a much quieter fan and better battery life!</p><p>Normally I don't buy extended warranties, but, with the MacBook, I decided to buy AppleCare, which extends the warranty to 3 years.&nbsp; I think it's worth the extra peace of mind since, at least in my limited experience, and in reading various forums about the MacBook and MacBook Pro, Apple seems to have quality control issues.&nbsp;</p><p>See Also:</p><p><a href="http://www.topicpoint.com/2006/11/review_macbook_core_2_duo_c2d.html">MacBook Core 2 Duo Review Part 1</a></p><p><a href="http://www.topicpoint.com/2006/11/review_macbook_core_2_duo_c2d_1.html">MacBook Core 2 Duo Review Part 2</a></p><p><a href="http://www.macworld.com/2006/11/reviews/13inmacbookcore2/index.php">MacWorld's MacBook Core 2 Duo Review and Benchmarks&nbsp;</a></p><p><a href="http://reviews.cnet.com/Apple_MacBook_Core_2_Duo_2_0GHz/4505-3121_7-32148808.html">CNET MacBook Core 2 Duo Review and Benchmarks&nbsp;</a></p>]]>
    </content>
</entry>
<entry>
    <title>Review: MacBook Core 2 Duo (C2D) - Part 2 - Performance Benchmarks</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2006/11/review_macbook_core_2_duo_c2d_1.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=65" title="Review: MacBook Core 2 Duo (C2D) - Part 2 - Performance Benchmarks" />
    <id>tag:www.topicpoint.com,2006://2.65</id>
    
    <published>2006-11-13T05:36:10Z</published>
    <updated>2006-11-26T07:23:29Z</updated>
    
    <summary><![CDATA[The most notable new thing about the latest MacBook is the Intel Core 2 Duo processor.&nbsp; It's a dual core processor, and, even more notably, it's a 64-bit processor (in terms of its instruction set, but not its address bus).&nbsp;...]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="Reviews" />
            <category term="iPod &amp; MacBook" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[The most notable new thing about the latest MacBook is the Intel Core 2 Duo processor.&nbsp; It's a dual core processor, and, even more notably, it's a 64-bit processor (in terms of its instruction set, but not its address bus).&nbsp; Let's see how the MacBook performs on super_pi and CineBench....<br />]]>
        <![CDATA[<p>My hardware being tested is a 2.0Ghz Core 2 Duo MacBook with 1GB RAM, 120GB Hard drive.&nbsp; All tests were run with the computer plugged in (not on battery or power saving mode).<br />&nbsp;</p><p><strong>super_pi</strong><br />The first benchmark I ran was <a href="http://en.wikipedia.org/wiki/Super_PI">super_pi</a>, which calculates digits of pi.&nbsp; It's not a great benchmark in that first of all, the version I ran was a PowerPC binary, not an intel binary, so, the MacBook uses the Rosetta translator to run it.&nbsp; Second, super_pi seems to only utilize one CPU core, so it's not using the Core 2 Duo to its best advantage.&nbsp; Nevertheless, because it's so prevalent, here are the results (best of 3 runs is shown below):<br /></p><p>&nbsp;./super_pi 21<br />&nbsp;Version 2.0 of the super_pi for Mac OS/X<br />&nbsp;Fortran source program was translated into C program with version 19981204 of<br />&nbsp;f2c, then generated C source program was optimized manually.<br />&nbsp;gcc-3.2.2 with compile option of &quot;-O3 -ffast-math -finline-limit=1000&quot; was used<br />&nbsp;for the compilation.<br />&nbsp;------ Started super_pi run : Sun Nov 12 21:20:32 PST 2006<br />&nbsp;Start of PI calculation up to 2097152 decimal digits<br />&nbsp;End of initialization. Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.239 Sec.<br />&nbsp;I= 1 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.409 Sec.<br />&nbsp;I= 2 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.823 Sec.<br />&nbsp;I= 3 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.832 Sec.<br />&nbsp;I= 4 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.814 Sec.<br />&nbsp;I= 5 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.837 Sec.<br />&nbsp;I= 6 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.825 Sec.<br />&nbsp;I= 7 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.817 Sec.<br />&nbsp;I= 8 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.821 Sec.<br />&nbsp;I= 9 L=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 87&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.811 Sec.<br />&nbsp;I=10 L=&nbsp;&nbsp;&nbsp;&nbsp; 174&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.802 Sec.<br />&nbsp;I=11 L=&nbsp;&nbsp;&nbsp;&nbsp; 349&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.810 Sec.<br />&nbsp;I=12 L=&nbsp;&nbsp;&nbsp;&nbsp; 698&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.815 Sec.<br />&nbsp;I=13 L=&nbsp;&nbsp;&nbsp; 1396&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.813 Sec.<br />&nbsp;I=14 L=&nbsp;&nbsp;&nbsp; 2794&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.821 Sec.<br />&nbsp;I=15 L=&nbsp;&nbsp;&nbsp; 5588&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.798 Sec.<br />&nbsp;I=16 L=&nbsp;&nbsp; 11176&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.787 Sec.<br />&nbsp;I=17 L=&nbsp;&nbsp; 22353&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.771 Sec.<br />&nbsp;I=18 L=&nbsp;&nbsp; 44707&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.711 Sec.<br />&nbsp;I=19 L=&nbsp;&nbsp; 89415&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.610 Sec.<br />&nbsp;I=20 L=&nbsp; 178831&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.389 Sec.<br />&nbsp;End of main loop<br />&nbsp;End of calculation.&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 79.218 Sec.<br />&nbsp;End of data output.&nbsp;&nbsp;&nbsp; Time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.550 Sec.<br />&nbsp;Total calculation(I/O) time=&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 79.768(&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15.581) Sec.<br />&nbsp;------ Ended super_pi run : Sun Nov 12 21:21:57 PST 2006<br /></p><p>&nbsp;Comparison:</p><p>MacBook Core 2 Duo 2.0Ghz:&nbsp; 79.768s</p><p><a href="http://lartren.com/mac/">MacBook Pro Core 2 Duo 2.33Ghz</a>:&nbsp; 68.727s&nbsp;</p><p><a href="http://forums.macrumors.com/archive/index.php/t-244537.html">Click for More Results Here</a></p><p>&nbsp;</p><p><strong>CineBench Results (Universal Binary)</strong></p><p>Rendering (1 CPU): 331 CB-CPU</p><p>Rendering (x CPU): 592 CB-CPU</p><p>Multiprocessor Speedup: 1.79</p><p>C4D Shading: 403 CB-GFX</p><p>OpenGL SW-L: 1418 CB-GFX</p><p>OpenGL HW-L: 1493 CB-GFX</p><p>OpenGL Speedup: 3.70</p><p>&nbsp;</p><p>My resuls were about 10% faster than ArsTechnica's results for the MacBook with 2.0Ghz Core Duo.&nbsp; So, even given an equivalent speed CPU, the Core 2 Duo showed some advantages over the previous version.<br /></p><p><a href="http://arstechnica.com/reviews/hardware/macbook.ars/6">Click here for full comparisons from ArsTechnica</a></p><p>I'm happy with the performance of the 2.0Ghz Core 2 Duo.&nbsp; I think it's a real ground-breaking processor, with its 64-bit instruction set, its support for virtualization, and its great performance.&nbsp; It is now possible to actually run two operating systems, such as OS X and Windows XP simultaneously on a portable notebook computer and have good performance in both OSes.</p><p>See Also:</p><p>&nbsp;<a href="http://www.topicpoint.com/2006/11/macbook_core_2_duo_c2d_review.html">MacBook Core 2 Duo (C2D) Review Part 3, 2nd week update</a> (TopicPoint.com) <br /></p><p><a href="http://www.macworld.com/2006/11/firstlooks/macbookbench/index.php">MacBooks see a modest Core 2 Duo Boost (MacWorld)</a></p><p>&nbsp;</p><br /><a href="http://www.topicpoint.com/2006/11/macbook_core_2_duo_c2d_review.html" /> ]]>
    </content>
</entry>
<entry>
    <title>Review: MacBook Core 2 Duo (C2D) - Part 1</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2006/11/review_macbook_core_2_duo_c2d.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=64" title="Review: MacBook Core 2 Duo (C2D) - Part 1" />
    <id>tag:www.topicpoint.com,2006://2.64</id>
    
    <published>2006-11-13T00:25:38Z</published>
    <updated>2006-12-10T09:06:25Z</updated>
    
    <summary><![CDATA[&nbsp;After much deliberation, I decided to purchase an Apple MacBook Core 2 Duo (C2D), black version. It is not my first Mac, but I have been away from the Mac world for over 5 years. Herein are my impressions of...]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="Reviews" />
            <category term="iPod &amp; MacBook" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[<img width="127" height="48" border="0" align="left" src="http://www.topicpoint.com/macbook_c2d/macbook_sm.jpg" alt="MacBook Core 2 Duo" title="MacBook Core 2 Duo" />&nbsp;After much deliberation, I decided to purchase an Apple MacBook Core 2 Duo (C2D), black version.  It is not my first Mac, but I have been away from the Mac world for over 5 years.  Herein are my impressions of the MacBook Core 2 Duo.&nbsp;&nbsp; In this section, I'll talk about the unusual keyboard, the issues with CPU temperature and fan noise.<br />]]>
        <![CDATA[The MacBook is Apple's smaller notebook computer- I say smaller because it is smaller than their MacBook Pro line, though I would actually classify it as a mid-sized laptop.&nbsp; The Macbook has a 13.3&quot; glossy screen, with a&nbsp; 1280x800 screen resolution.&nbsp; It comes in white or black, with black being the best-configured of the two, having a 120GB hard drive, 2.0Ghz Intel Core 2 Duo processor, an Intel GMA 950 graphics controller, a 6x DL DVD burner,&nbsp; 1GB of RAM, 2 USB ports, 1 FireWire 400 port, a DVI output port, and a built-in iSight camera.&nbsp; I am reviewing the black Macbook, but most of my comments apply to both models.<p>In terms of size, the MacBook is 12.78x8.92x1.08 inches, and weighs 5.2 pounds.&nbsp; It feels compact and solid.&nbsp; Its weight is slightly less than the 5.6 pound 15&quot; MacBook Pro, although I wish it were even lighter, as every ounce counts when you have to carry a laptop around a lot.&nbsp; Nevertheless, it's a good size that is great for those that care more about portability than features.&nbsp; Speaking of features, the MacBook has a few less features than the MacBook Pro, such as lack of an ExpressCard/34 slot, and lack of FireWire 800.&nbsp; I should also point out that the AC power adapter is very small, light weight, and compact- an ideal travel size.&nbsp; <br /></p><p>My initial impression of OS X (v10.4.8) is very positive!&nbsp; The interface is very nice, the ability to get a bash shell is excellent (for me that is, since I use Linux all the time).&nbsp; There are a lot of nice little extras, which I'll write more about in a future post, such as the speech commands, iPhoto, iDVD, Photo Booth, and more.&nbsp; The ability of OS X to seamlessly recognice and work with my Kensington bluetooth mouse and my Canon Rebel XT digital camera were really nice.<br /></p><p>The MacBook's exterior is pretty much all plastic, but it is very beautifully designed.&nbsp; The case is fairly minimalist in style, and has curved edges and rounded corners, and it's very elegant looking.&nbsp; There are nice little touches like the glowing Apple logo on the cover, the battery with little LEDs indicating its charge level, when charging, and the extra-large touch pad (more on this later).&nbsp; Apple has got industrial design down pat!&nbsp;</p><p> Unfortunately, Apple pays more attention to elegant design than ergonomics and usability.&nbsp; One of the flaws of the MacBook design is Apple forgot to round the corners that really matter when you're actually USING the machine, namely the edge near where your wrists rest.&nbsp; It is Sharp and unrounded, and can hurt your wrists if you rest your wrists there many times over the course of a day (Yes, I know you should not type with your wrists resting on the wrist rest area!).&nbsp; There are solutions though, <a href="http://www.macworld.com/weblogs/macgems/2006/07/softpads/index.php">such as buying foam wrist pads</a>, but still, Apple should have fixed this by now.&nbsp; Another small usability flaw is that the screen only tilts back about 135 degrees, which, though good enough for most situations, would be more optimal if it tilted even back further if you like sitting on the floor (like I do).&nbsp; This is mainly due to the moderate viewing angle of the LCD, but, please understand, this is a very minor issue, because usually with some adjustment of the laptop position, you can get a decent view of the screen but it just might not be the optimal position you'd choose if the screen could go back further.</p><p>The extra large touchpad is really nice.&nbsp; It is especially nice because OS X interprets movements when you have two fingers on the touchpad as scrolling controls.&nbsp; It works quite well, and is intuitive. &nbsp; However, Apple is still sticking with a single button- despite the fact that so many applications (even Apple's own) can make use of a 2nd button.&nbsp; I have resorted to using an external bluetooth mouse because the single button was driving me crazy.&nbsp; Apple supports a simulated 2nd button by interpreting a button click where you also have 2 fingers on the TrackPad as a right button click, but, that just doesn't work as well as having an actual second button- another case where Apple's insistence on elegant design trumps usability.&nbsp; <br /></p><p>The Keyboard:</p><p><img width="639" height="241" border="0" src="http://www.topicpoint.com/macbook_c2d/macbook_c2d_keyboard.jpg" alt="MacBook Pro Keyboard" title="MacBook Pro Keyboard" />&nbsp;</p><p>Apple's keyboard on the MacBook is unusual in that it is very flat.&nbsp; Some people may love it, others may hate it.&nbsp; I'm somewhere inbetween.&nbsp; After just a few tens of minutes using it, I felt pretty comfortable typing on it.&nbsp; It is not bad, as the keyboard does feel solid, but it definitely is inferior in feel in my opinion, to the MacBook Pro keyboard and to the Thinkpad keyboards I'm used to.&nbsp; The problem with it is that it doesn't have enough travel in the keys, and, just seems more tiring to type on than a MacBook Pro keyboard.&nbsp; But keyboards are very subjective, so try it for yourself, you might love it.&nbsp; Another difference between the MacBook and MacBook Pro keyboard is the MacBook keyboard does not light up in the dark.&nbsp; Not a major issue to me, but, some people like a lit up keyboard.&nbsp; Another puzzling omission by apple is a dedicated page up and page down key, as well as home and end.&nbsp; Instead, those keys are shared with the up, down, left, right navigation arrow keys, and require holding down the fn or alt keys to perform those functions.&nbsp; Also, the backspace and delete keys are combined in one as well.&nbsp; Anyways, in summary, the keyboard is &quot;ok&quot; not perfect, but reasonably usable.<br /></p><p>The other issue I want to cover is CPU temperature and fan noise.&nbsp; Previous Core Duo versions of the MacBook have had major issues with heat and fan noise.&nbsp; So, how well does the Core 2 Duo do here?&nbsp; Well, disappointingly, my version seems to go from a little bit noisy to very noisy.&nbsp; I have a 60 degree celsius (140 fahrenheit) idle temperature and an 80 degree celsius (176 fahrenheit) heavy usage temperature. &nbsp; The fan noise at idle when nothing is stressing the system is a low but noticeable hum in a quiet room.&nbsp; When the temperature starts rising as the CPU gets more work, the fan is very noticeable- in fact, loud enough that it would attract some amount of attention in a quiet library.&nbsp; When doing fairly lightweight tasks, such as web browsing, word processing, using the OS X UI, the fan is kept at a fairly low level.&nbsp; If you get one of the CPU cores going at more than about 33% the fan noise starts moving up.&nbsp; I've noticed the fan kick in loudly in several situations so far- importing pictures into iPhoto, installing XCode, playing a video podcast, running super_pi, running CineBench.&nbsp; (<a href="http://www.topicpoint.com/2006/11/macbook_core_2_duo_c2d_review.html">REVIEW UPDATE:&nbsp; Be Sure to See Part III</a> where I returned my MacBook due to the fan noise)<br /></p><p>See the <a href="http://www.intelmactemp.com/list">Database of Intel Mac Temperatures</a>, and theor <a href="http://www.intelmactemp.com/howto">HowTo on measuring Mac CPU temperatures.</a><br /><br />Also, read another independent opinion of the original<a href="http://arstechnica.com/reviews/hardware/macbook.ars/4"> MacBook's heating and fan noise issues from ArsTechnica</a>.<br /><br />A note on battery life.&nbsp; So far, I've had two days to use the system from a full charge.&nbsp; The first day, I was playing a dvd while doing web browsing, occasional software downloads, and I got 2 hrs 20 minutes of battery life.&nbsp; The second day, doing mostly word processing and web browsing, some application downloading and installations, a small amount of photo importing, and I got 2 hrs 20 minutes.&nbsp; What else can I say other than, I wish it were better!&nbsp; Both times, the LCD level was 3 notches below maximum and WiFi and Bluetooth were turned on.<br /></p><p><strong>Conclusion:</strong>&nbsp; Overall, I can say that the MacBook is beautifully designed.&nbsp; OS X is also a wonderful operating system to use so far.&nbsp; The MacBook hardware seems to need work with heat issues and fan noise. &nbsp;&nbsp;</p><p>See also- Part II <a href="http://www.topicpoint.com/2006/11/review_macbook_core_2_duo_c2d_1.html">benchmarks of my Macbook Core 2 Duo</a>!&nbsp; Let's see how this Core 2 Duo performs!</p><p>See also- Part III <a href="http://www.topicpoint.com/2006/11/macbook_core_2_duo_c2d_review.html">MacBook Core 2 Duo (C2D) Review Part 3, 2nd week update</a> (major review update)</p><p>See also- <a href="http://www.topicpoint.com/2006/12/macbook_core_2_duo_c2d_battery.html">MacBook Core 2 Duo (C2D) Battery Life</a></p><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p><p><img width="640" height="681" border="0" src="http://www.topicpoint.com/macbook_c2d/macbook_c2d.jpg" alt="MacBook Core 2 Duo, Black" title="MacBook Core 2 Duo, Black" /><br />&nbsp;</p>]]>
    </content>
</entry>
<entry>
    <title>Types of Loans for Emergency Cash</title>
    <link rel="alternate" type="text/html" href="http://www.topicpoint.com/2006/11/types_of_loans_for_emergency_c.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://topicpoint.com/blog-mt1/mt-atom.cgi/weblog/blog_id=2/entry_id=71" title="Types of Loans for Emergency Cash" />
    <id>tag:www.topicpoint.com,2006://2.71</id>
    
    <published>2006-11-09T23:08:28Z</published>
    <updated>2007-01-01T06:20:55Z</updated>
    
    <summary><![CDATA[Almost everyone needs an emergency loan at some point.&nbsp; It might be due to a medical emergency, an unexpected home repair, a car accident with costly repairs.&nbsp; Whatever the need, the choices you make in going into debt are important...]]></summary>
    <author>
        <name>spotsearch</name>
        
    </author>
            <category term="Debt" />
    
    <content type="html" xml:lang="en" xml:base="http://www.topicpoint.com/">
        <![CDATA[<span class="q">Almost everyone needs an emergency loan at some point.&nbsp; It might be due to a medical emergency, an unexpected home repair, a car accident with costly repairs.&nbsp; Whatever the need, the choices you make in going into debt are important ones and can make the difference between being manageable and having mountains of debt spiraling out of control.</span>]]>
        <![CDATA[<p><span class="q"><a href="http://www.topicpoint.com/2006/11/payday_loans_cash_advance.html">Payday Loans (also called Cash Advance Loans)</a><br />These are amongst the worst loans you can get.&nbsp;&nbsp;Here's why....<br /><br /><a href="http://www.topicpoint.com/2006/11/home_equity_line_of_credit_hel.html">Home Equity Line of Credit (HELOC)</a><br />A good way to borrow if you're careful. Read more to find out if it's right for you.</span><span class="q"><br /><br /><a href="http://www.topicpoint.com/2006/11/home_equity_loan_hel.html">Home Equity Loans (HEL)</a><br />A good way to borrow if you're careful. Read more about the tradeoffs and see what to watch out for.<br /><br /><a href="http://www.topicpoint.com/2006/11/p2p_lending.html">Person-to-person (P2P) Loans</a><br /></span>A new way to&nbsp;borrow with help from a community of lenders.&nbsp; Get a better interest rate borrowing from real people rather than big institutions.</p><p><a href="http://www.topicpoint.com/2006/11/retirement_account_loans.html">Retirement Account Loans<br /></a>You've saved some money in your retirement account (IRA, or 401(k))- in an emergency, can you tap into it?&nbsp; More importantly, <em>SHOULD</em> you do it?<br /><span class="q"><br /><a href="http://www.topicpoint.com/2006/11/credit_card_debt.html">Credit Card Debt<br /></a>Credit card interest rates are typically fairly high.&nbsp; Being in credit card debt is something you should avoid.&nbsp; Read these tips on avoiding and on getting out of credit card debt.</span></p><p><span class="q">-------------------------------</span></p><p><span class="q">What I would do (and this is just me- your situation may vary):&nbsp; </span></p><span class="q"><span class="q"><ul><li>If you own a home, and have built up equity, a home equity loan or home equity line of credit are good choices with decent rates.&nbsp; Just be sure you can pay back the loan or you ma lose your home.</li><li>The next best choices in my opinion would be P2P Loans.&nbsp; The interest rates will probably be inbetween the home equity loans and credit card rates, though it will depend on your credit rating and situation.&nbsp; </li><li>Borrowing by using your credit card comes in 4th place.&nbsp; Rates can be high, usually 17% to 29%, depending on the deal you have.&nbsp; If you have a better rate, then this option might come in as a better choice, but, credit card companies have a sneaky way of jacking up the rates once you're hooked so be cautious.</li><li>Borrowing from your retirement accounts would come in third place in my book.&nbsp; I have actually done this before, and it worked out fine.&nbsp; But, you have to be very careful about the rules on paying back.</li><li>At the bottom of the list are Payday loans, which are the worst option of all.<br /></li></ul></span></span>]]>
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