Many consumers have been falling prey to the unscrupulous actions taken by the money grubbing credit card companies, thus placing people into very precarious financial positions.  Over the last couple of years the credit card companies have been utilizing a number of tactics to gouge people’s bank accounts and pad their own.  One of the main tactics used by these dirtbags is the “universal default clause”.  This universal default will let the creditors to bump up the interest rates up when they see you have any negative slight against the debtor’s credit report.  These practices are forcing people to look into various systems of credit card debt relief. 

When a consumer suddenly gets their interest rate raised out of nowhere this drastically effects their monthly payments, putting many people in a position in which they can no longer pay.  And if they can make payments on the debts most of the money is going towards the interest and not principal.  One tactic the companies are using in order to set off universal default more frequently is by lowering a debtors credit limit to right where their balance is; thus placing a negative on their credit history and giving the creditors the ability to raise the rate and basically steal from the debtor.

One solution of credit card debt relief that has been greatly helping many people during these times is credit card debt settlement.  This procedure will allow debtors to become debt free in a fraction of the time they would otherwise and is helping them to keep a whole load of money on how much debt they currently owe.

That’s the experience with the Inspiron 910 Mini not the mini-experience! Well I am in web site development and have been toying with the idea of getting a more modern laptop as my old Dell Inspiron from 2003 is as heavy as a brick. My step dad just bought a top of the range Toshiba Portege at around £1,200, but he’s at that time in life where 1,200 quid is affordable, where as I’m still in financial recovery from my last divorce (yes there was more than one!)! So I happened across the Dell Inspiron 910 Mini on the Dell website whilst looking at specs of normal laptops to use when out and about demonstrating our CMS system to potential clients, wow £299 inc VAT and delivery that is a bargain!

There I was credit card at the ready, wrist twitching, hang on I thought, why am I buying this, do I really need it? No, I don’t NEED it I just HAVE TO HAVE ONE . [Puts credit card away]

The next day I happen to have to work on my step Dads’ ultra lightweight new laptop, wow this is lush, so light, I wish I could afford one.

The next day I had to go to a clients with my laptop, and about put my back out trying to put it in the car passenger foot well whilst sitting in the drivers’ seat, hmm decided I do have a NEED for the new dell Inspiron mini after all! It only weights around 1kg. So as I had a management meeting that afternoon I informed my finance manager I would be ordering one and that was that. So Friday October 3rd I placed the order on the Dell website, and on the 8th I got back from a client meeting at B-loony Promo the UK’s largest supplier of printed promotional giveaways to find a Dell cardboard box on my desk, I thought it couldn’t possibly be the new mini as the confirmation email I got said it would arrive on or around the 20th October, but sure enough it really had arrived.

Well I was ecstatic and got it out and started setting it up straight away, you know remove McAfee Security Centre and install Avast Anti Virus, that kind of thing. As it has an integrated web cam I also downloaded Windows Live Messenger and had a quick video chat with my girlfriend whilst she was doing her ironing, fantastic!

So I googled ‘mobile broadband suppliers’ and toyed with ordering the USB dongle from Three, as their 5GB monthly allowance is only 15 quid a month so the best looking deal, providing those coverage stories you hear about Three Mobile are not really the case!

Anyway, it was soon time to go and get my daughter from school so I thought yeah I’ll take it with me and even though I don’t have the mobile broadband USB Modem yet I can continue configuring it in car park if I’m early. I was early, so I turned it on, it said:

Windows could not start because of an error in the software.
Please report this problem as :
load needed DLLs for kernel.
Please contact your support person to report this problem

As we say in England “Computer says no…”

Ah dear, it was great fun whilst it lasted, then followed a 2 and a half hour telethon with Dell support in India Apparently they were so quick to ship it to me that my service tag isn’t on their system yet. They suggested I called back in 24-48 hours, well I explained to them exactly what I thought of their suggestion as I’m sure you can image, but to no avail. I did indeed have to call back today and they have agreed to send me a replacement unit as it is within 7 days of delivery.

I hope the replacement arrives as quickly as the original unit did…

So conclusion? Apart from the fact it doesn’t work (a faulty drive in my opinion) and for the life of me I can’t get it to boot from an external drive or USB key (it doesn’t have a CD or DVD drive you know) it feels really solid, looks lovely, and is nice to handle (sounds a bit like the ideal companion to an i-phone 2.0 doesn’t it!).

Like most reviewers have experienced, the keys are small (but blackberry users manage and they are larger than those keys) and the right shift key is tiny and means you can’t type an @ in the usual fashion and I wonder how it’s going to cope with all the complicated keyboard stuff I have to do whilst running my ecommerce web design company when I’m out on the road. The screen is nice though, 3 USB slots, a monitor connector, Ethernet and earphones and mic connectors although it has both speakers and mic internally so you can video conference and both speak and listen through the inbuilt hardware without having to plug anything in.

On the whole, I would recommend it, providing you get one that isn’t broken ! I am also yet to try it with LogMeIn which is my preferred way of dealing with how to access emails, lots of passwords, specialist software and all that kind of thing when you are out and about. Possibly the screen is going to be too small to be able to work with for extended periods of time, but I’ll let you know when the replacement arrives and I have had chance to give it a proper testing, assuming that one doesn’t break on me as soon as I start urm ‘configuring’ it!

Being asked to attend to a baby shower celebration can provoke your creative ability and presurmise. It’s carefree enough to simply examine cursorily the online stores and buy the delectable item on your ideal baby accessories web ecommerce store, but there are certain things you have to consider before deciding on new baby gifts to bring to the carousing baby shower.

The baby’s gender- Ask the parents-to-be if they already know the gender of their baby. If they’re unsure, it’s best to bring baby gift baskets in ‘gender neutral’ colors such as yellow, green and red.

Baby registry - Inquire if the expectant mom created a wish list in the local department store. A pregnant woman lists the gifts she would like to receive for her baby and submits this list to a local department store or to a baby gift shop online. You can look at the items on her wish list and check which ones have been taken off so you don’t end up giving a identic gift.

Being told that your gift is shocking or just what the baby needs can be heart-warming. How can you make sure your gift is exactly what the expectant parents want? Here are some recommendations:

1. The one-of-a-kind gift

The secret to giving unique baby gifts is fishing expedition. As long as you know what features to look for in a baby accessory or a toy, you can concentrate on looking for the best design. If a particular brand has several models of the same accessory, choose the one with the most unique design and the most tasteful color combinations.

2. Function

A cute gift is great! However, you must choose one that the baby can actually use. For instance, instead of giving an ordinary photo album, why not get a photo frame that can accommodate digital photos?

You can also give clothes that can be worn all year long, such as baby pants that can easily be converted into shorts; or over-alls that can also double as a jumper ensemble. Give something that the baby can use for a few years. This means giving clothes that will fit until the baby’s a year old, and toys that can stimulate a baby’s growing brain. Come to think of it, a gift that has no function other than to stimulate a baby’s mind is a great gift for a newborn.

3. Personalized baby gifts

If you want to give something that will really make an impact, personalize the gift by engraving the baby’s name on it. This can easily be done in the shop where you bought the gift. You just have to ask the parents to write down the name they have chosen for their baby. Make sure you get the correct baby name and the correct spelling.

You can also give something that will represent the ‘ambition’ the parents have for their son or daughter. For instance, the child’s parents are both dentists, it’s pretty obvious that his or her parents would want their child to enter the dental employment as well. You can choose a miniature stethoscope for a gift or other applicable gift.