Number Portability March 3, 2009
Posted by curmudgeonblog in tech.add a comment
By Mel Metts
Last month while looking for ways to cut business expenses, I gave some thought to eliminating my business phone line and using my cell phone exclusively.
I work out of my house. Until now, my system was to use my business landline when at home, and forward that to my cell phone whenever I was away from home. By eliminating my business landline, how would I be able to forward calls to my cell?
At first I considered signing up with Vonage, a service that uses VOIP (Voice Over Internet Protocol) over broadband (high speed Internet connection). Our investment group uses Vonage even though we don’t have our own broadband connection. After logging into our Vonage account, we have the ability to forward the phone to any number. The phone is setup to forward to a board member.
While investigating the Vonage option, I kept seeing the phrase, “number portability.” I already knew that I could switch cell phone providers and keep my cell phone number. I had not been aware that I could port my landline to a non-landline service.
After thinking about a switch to Vonage (cheapr than AT&T) so I could forward my business number to my cell phone, I realized I might be able to skip Vonage altogether and port my number to my cell.
I called Verizon and asked if this was possible. Sure, no problem; there’s no charge to switch and the process can take up to ten business days. I gave Verizon the go-ahead.
Over the following days I would frequently check my landline for a dial tone. Several days later the dial tone was gone and I knew that those calls were going to my cell phone.
There was one hiccup during the transition. After Verizon made the switch, my cell phone was unable to send or receive calls. One call to Verizon customer service solved the problem; they gave me instructions to reset my phone (system reset) and I was back in business.
During the glitch, incoming calls went directly to my voicemail. After resetting my phone I was able to retrieve my voicemail messages. Apparently none were lost.
In summary, number portability applies to landlines as well as cell phones.
Mel Metts is a landlord and Realtor, serving fellow investors. His book, “Do it Yourself Evictions” is available for purchase at www.melmetts.com.
Hit The Road, Jack! January 30, 2009
Posted by curmudgeonblog in politics.1 comment so far

Don’t ever come back no more no more.
Goodbye, Guvnuh’
Illinois Gov. Blagojevich thrown out of office
SPRINGFIELD, ILL. – The state senators stood one by one in a hushed chamber on Thursday to call Democratic Gov. Rod Blagojevich a liar and a hypocrite who put his ego and his pocketbook ahead of the interests of Illinois.
One called him “devious, cynical, crass and corrupt.” Another said the evidence of abuse of power was “overwhelming.” A third said he was “without a doubt unfit to govern.”
Together, they voted 59-0 to reject Blagojevich’s theatrical last-minute pleas and remove him from office, ending a stormy tenure that left the nation’s fifth-largest state paralyzed by his misdeeds and nationally ridiculed for its latest bout of corruption.
“I believe our state must enter rehab,” Republican Sen. Randall Hultgren told his colleagues before the vote. “Moral rehabilitation.”
Blagojevich’s repudiation in a state where he was elected twice to the governorship and three times to Congress marks a dramatic exit from a national stage he commanded briefly but memorably. His next battle is expected to come in Chicago federal court, where he risks losing not his job but his freedom over allegations that he schemed to trade official actions for political contributions and other favors.
Before the speechmaking was over and a pair of unanimous votes were cast to oust Blagojevich and bar him from Illinois public office for life, the former governor had already taken his final flight home to Chicago aboard a state airplane. When he arrived, as his fate was about to be sealed, he went for a jog. Talking with reporters later, he called the verdict “un-American.”
“The fix was in from the beginning,” Blagojevich said, insisting he wants no pity.
“There are tens of thousands of people across America just like me who are losing their jobs, or who have lost their jobs,” Blagojevich said. “To the people of Illinois, God bless all of you. I want you to know that I haven’t let you down.”
Lt. Gov. Pat Quinn became the state’s 41st governor and said he would move right away into the governor’s mansion that Blagojevich disdained. He supported Blagojevich during their reelection on the Democratic ticket in 2006, but the men have not spoken since August 2007.
“The rule of law prevailed in Illinois. We are ready to move forward,” Quinn said after the vote.
Hundreds of miles away
The impeachment saga moved from drama to farce and back again in the 51 days after FBI agents arrested Blagojevich in the middle of what U.S. Attorney Patrick Fitzgerald called “a political corruption crime spree.” Along the way, Blagojevich bucked calls to resign and outmaneuvered Democratic leaders in Springfield and Washington to appoint Roland Burris, little known and years out of politics, to the U.S. Senate seat vacated by President Obama.
Instead of challenging his impeachment, he was 700 miles away when the trial began on Monday, denouncing the proceedings in more than a dozen national television interviews as a “kangaroo court.” He showed up only on Thursday, to deliver his own closing argument.
It was a speech long on passion and short on answers, and it did nothing to help his cause. He spoke of his immigrant parents, his hard-luck upbringing and good works he claimed as governor. He called the proceedings “an evisceration of the presumption of innocence.”
“There was never a conversation where I intended to break any law,” Blagojevich, 52, told the Senate. “How can you throw a governor out of office on a criminal complaint and you haven’t been able to show or to prove any criminal activity? I’m appealing to you and your sense of fairness.”
His defiance left his accusers unmoved in the face of evidence from witnesses and secret wiretaps that appeared to show that Blagojevich schemed to profit from his official actions, including an alleged effort to sell Obama’s former Senate seat and to force the firing of Chicago Tribune editorial writers by threatening to withhold $150 million in state money for Wrigley Field, owned by the Tribune Company.
Senators noted that Blagojevich refused to be questioned under oath about the 13 alleged misdeeds that House prosecutor David Ellis called an “unmistakable” pattern of abuse of power. Ellis paid particular attention to FBI excerpts of 60 taped conversations.
“Our point was on his words, his secretly recorded words, and who in the world was more qualified to testify about the governor’s words than the governor himself?” Ellis asked during his closing argument. “He talked more about the evidence with Barbara Walters on ‘The View’ than he did in this chamber today where he’s facing impeachment and removal from office. He could have been here and he wasn’t.”
© 2009 Star Tribune. All rights reserved.
What It Takes To Survive January 30, 2009
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Why some people walk away from a plane crash or thrive after a job loss, while others don’t stand a chance. And what’s luck got to do with it anyway?

The knitting needle pierced her heart. Then it saved her life. Ellin Klor savors the irony, but it wasn’t always so, especially when doctors cracked open her chest in the operating room to pry out the wooden needle that had punctured her breastbone and penetrated her right ventricle. Jan. 9, 2006, was her lucky day. After dinner with her family, the 58-year-old children’s librarian was anxious to show the gang in her knitting group some new patterns, so she grabbed three bags stuffed with books, yarn and needles and headed to a friend’s house in Palo Alto, Calif. Already late, she could tell from the other cars that some of the knitters had arrived. She hoisted her bags from the back seat. “The scourge of a librarian,” she recalls, “carrying too much stuff around.” Klor climbed the first of two wide steps, stubbed her foot and suddenly fell down, landing chest first on a sack filled with unfinished knitting. Klor, 5 feet 4 with soft hazel eyes and a generous, round face, had long considered herself a bit of a klutz, so her spill wasn’t exactly a surprise. When she took a breath, her chest hurt, but she figured it was nothing. Inside, the knitters were already working in the living room. Klor wanted to get started, but the ache in the middle of her chest was getting worse with each breath. It wasn’t an ordinary pang. She looked down at her red Façonnable sweater and lifted it up. The next
image is ingrained in her memory. A jagged splinter of a wooden knitting needle, nearly four inches long, was jutting from her chest. It had clearly broken in half, piercing her clothing and lodging in the middle of her bra right between her breasts. “Oh, my God,” she whispered. Her friends gaped at the needle and urgently calculated the options. First and foremost, should they try to pull it out? “No, don’t touch it,” Klor declared. It was pure instinct: she didn’t want anyone to go near the injury until she was at the hospital. Doctors would say later this was the first decision that helped save her life. Plucking the spike would have been like pulling a plug or uncorking a bottle, and she might have bled out in the living room.
Klor and her friends faced the next critical question: should they jump in a car and race to the emergency room? “No,” Klor decided. “Call 911 right now.” Waiting for the paramedics was a second lifesaving choice. If the needle had moved even the slightest amount in transit to the ER, the injury to her heart might have proved fatal. So Klor carefully sat down on a sofa to wait for the ambulance. She felt alert and even noticed something very odd. She had been impaled and yet there wasn’t a single drop of blood anywhere. How was this possible? The next string of images flew by like a strange TV drama. Paramedics. Stretcher. Sirens. IV. Oxygen. Emergency room. CT scan.
At the Stanford University Medical Center in Palo Alto, Klor waited anxiously for the ER doctors to tell her the extent of her problems. To distract herself, she focused on her daughter, Callie. Her thoughts also turned to her husband, Hal, a rugged research engineer who once hiked two miles on a broken ankle. Sometimes he teased her lovingly that she was “a little wimpy.” What would Hal say when he heard about this?
When the ER team finally briefed her on the results of her scans, she felt the first flood of fear. Their tone was urgent. The needle had penetrated her sternum, the long flat breastbone that’s supposed to protect the heart, lungs and major blood vessels from trauma. Over the years, this team had extracted every imaginable object sticking from every conceivable body part, but they told her a knitting needle was unprecedented. Paparazzi style, a young doctor snapped her photo and then took mug-shot close-ups of the offending object. Then the doctors delivered the scary news: the point of the needle had grazed her heart, nicking the right ventricle. They could see internal bleeding. They needed to operate as soon as possible.
Less than an hour after her tumble, trauma surgeons would cut her open, crack her sternum, stitch up her heart, wire her breastbone back together and sew her up. They would leave a seven-inch scar from her neck to the middle of her chest. They would save her life. And then, by chance or fate, the knitting needle would save her life all over again. In fact, Klor’s real struggle for survival was just beginning.
Why do some people live and others die? Why do a few stay calm and collected under extreme pressure when others panic and unravel? How do some bounce back from adversity while others collapse and surrender?
New Credit Scoring System for ‘09 January 30, 2009
Posted by curmudgeonblog in business.add a comment
The biggest changes discourage piggybacking and penalizing infrequent delinquencies.
By Renuka Rayasam, Associate Editor, The Kiplinger Letter
December 12, 2008
By next spring, two of three credit reporting bureaus will use a new model. Fair Isaac, the developer of FICO scores, has made the biggest change to its mathematical credit score model since it was introduced in 1989. Scores will still be on a 300- to 850-point scale. But the company estimates that 40% to 50% of borrowers’ scores could go up or down by more than 20 points because of how the new model fine-tunes the variables it uses to evaluate consumers’ credit use behavior.
For creditors, the new FICO score promises to reduce the risk of defaults, improving the predictability of defaults by 5% to 15%. Delinquencies are at their highest rate since 1992, when the economy was also in a recession. The revised scoring method “has a few more gray areas fleshed out so it gives us confidence in credit scoring models,” says Ginny Ferguson, a member of the board of the National Association of Mortgage Brokers.
Equifax and TransUnion will be the first credit reporting bureaus to roll out the changes over the next year. As credit tightens because of the financial crisis, FICO scores are becoming increasingly important for borrowers looking to qualify for favorable terms. That puts high scorers in “even a better position for pricing on loans” as the economy recovers, says Ferguson.
The timing of the new scores reflects more changes in the marketplace, says Careen Foster, senior product manager at Fair Isaac. “Lenders said they wanted a stronger predictive model, but didn’t want to change how it is used,” she adds.
Fair Isaac has increased the number of groups that customers fall into from 10 to 12, taking into more account the number and magnitude of credit problems. Infrequent problem borrowers will no longer be lumped in with habitual delinquents. With the new model, “there is more forgiveness around people in the middle,” says Foster. “If you have one isolated missed payment you won’t score as low as before.” The new FICO model also focuses less on how many accounts a borrower has and more on the amount of balances carried.
Piggybacking — upping a score on someone else’s back — won’t be ruled out in the new FICO score. But it will make using that route to establishing credit harder and lengthier. The authorized user provision allows young adults to create a credit history by using and paying off accounts held by their parents. But it has also been subject to abuse, with high credit scorers selling their names to borrowers looking to improve scores. Fair Isaac estimates that 30% of U.S. credit card holders, or 60-75 million people, are authorized users. Credit.com says that many of those authorized users are women. Many of them rely on their husbands’ FICO scores, and it will now take longer for those women to build up their own credit scores.
SHAMWOW January 28, 2009
Posted by curmudgeonblog in Uncategorized.add a comment
Why is Joe Isuzu pimping shamwow?
Create PDFs For Free January 2, 2009
Posted by curmudgeonblog in tech.Tags: free software
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Election Results November 5, 2008
Posted by curmudgeonblog in politics.Tags: Coulter, Hannity, hate, Levin, Limbaugh, Savage, Weiner
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Write-In Presidential Candidate! August 28, 2008
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Scam Victims Redux August 22, 2008
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Amazingly, some of the most vulnerable scam victims are those who have been victimized previously.
No surprise, then, that the following scam is appearing in mailboxes:
2007/2008 SCAM VICTIMS COMPENSATIONS PAYMENTS
- Subject: 2007/2008 SCAM VICTIMS COMPENSATIONS PAYMENTS
- From: “CHIEF OJO MADUEKWE”<foreignaffairsminister.payment@googlemail.com>
- Date: Fri, 22 Aug 2008 11:19:37 -0700
- Delivered-to: 423-melmetts@graffrealty.com
- Reply-to: <foreignaffairsminister2payment@googlemail.com>
ECOBANK / UNITED NATIONS 2007 SCAM VICTIMS COMPENSATIONS PAYMENTS DIRECTOR. ATTNENTION:,
SCAMMED VICTIM/ 50,000 BENEFICIARIES.
REF/PAYMENTS CODE:06654. AMOUNT $1,000,000.00 USD. I WRITE TO BRING TO YOUR NOTICE THAT I AM THE NIGERIAN NEW FOREIGN AFFAIRS MINISTER AND AN OFFICIAL DELEGATE FROM THE UNITED NATIONS TO CENTRAL BANK OF NIGERIA TO PAY 150 NIGERIAN 419 SCAM VICTIMS $1,500,000.00 USD (ONE MILLION FIVE HUNDRED THOUSAND DOLLARS ONLY) EACH. YOU ARE LISTED AND APPROVED FOR THIS PAYMENT AS ONE OF THE BENEFICIARIES TO BE PAID THIS AMOUNT AS COMPENSATION.
AS A RESULT OF THIS LAUDABLE RECOMMENDATIONS,IT IS IMPERATIVE TO BRING TO YOUR NOTICE THAT DURING THE LAST U.N. MEETINGS HELD AT ABUJA, NIGERIA, IT WAS ALARMED SO MUCH BY THE REST OF THE WORLD IN THE MEETINGS ON THE LOSE OF FUNDS BY VARIOUS FOREIGNERS TO THE SCAMS ARTISTS OPERATING IN SYNDICATES ALL OVER THE WORLD TODAY. IN OTHER TO REDEEM THE GOOD IMAGE OF MY COUNTRY, THE NEW PRESIDENT HAS ORDERED THE PAYMENT OF $1,000,000.00 USD EACH TO THE AFFECTED VICTIMS IN PURSUANCE WITH THE U.N. RECOMMENDATIONS.
DUE TO THE CORRUPT AND INEFFICIENT BANKING SYSTEMS IN NIGERIA, THE PAYMENTS ARE TO BE MADE BY THE LLOYDS TSB BANK PLC, LONDON AND ECOBANK PLC, NIGERIA AS THE CORRESPONDING BANKS UNDER THE FUNDING ASSISTANCE OF THE CENTRAL BANK OF NIGERIA. ACCORDING TO THE NUMBER OF APPLICANTS AT HAND, 114 BENEFICIARIES HAS BEEN PAID, 60% OF THE VICTIMS ARE FROM THE UNITED STATES,WHILE ABOUT 40% ARE FROM OTHER PARTS OF THE WORLD. WE STILL HAVE MORE THAN 30% LEFT TO BE PAID THE COMPENSATIONS OF $1,000,000.00 USD EACH.
YOUR PARTICULARS WAS MENTIONED BY ONE OF THE SYNDICATES WHO WAS ARRESTED IN LAGOS, NIGERIA AS ONE OF THEIR VICTIMS OF THE OPERATIONS, YOU ARE HEREBY WARNED NOT TO COMMUNICATE OR DUPLICATE THIS MESSAGE TO HIM FOR ANY REASON WHAT SO EVER AS THE THE ECONOMIC AND FINANCIAL CRIMES COMMISSION (EFCC) (MOTTO: NO BODY IS ABOVE THE LAW) HAVE COMBINED EFFORT WITH THE UNITED NATION ANTI-CRIME COMMISSION TO ALLEVIATE THE PLIGHT OF THESE VICTIMS AS WELL AS REDEEMING THE IMAGE OF MY DEAR COUNTRY.THE U.S. SECRET SERVICE IS ALREADY ON TRACE OF THE CRIMINALS. OTHER VICTIMS WHO HAVE NOT BEEN CONTACTED CAN SUBMIT THEIR APPLICATION AS WELL FOR SCRUTINY AND POSSIBLE CONSIDERATION. MANY BANKS, UNIVERSAL FIRMS, COMPANIES AND INDIVIDUALS HAVE BEEN IN BANKRUPTCY TODAY DUE TO THE ACTIVITIES OF THESE HOODLUMS. HOWEVER, A THOROUGH INVESTIGATION HAVE REVEALED THAT THESE PEOPLE HAVE DROPPED OVER 500,000 VICTIMS ACROSS THE WORLD, AFTER COLLECTING THEIR MONEY FALSELY, MANY AS A RESULT OF THIS HAVE COMMITTED SUICIDE,WHILE OTHERS ARE NOW LIVING IN ABJECT POVERTY. AS REGARDS THESE ONGOING DEVELOPMENTAL STRIVE, WE HAVE OVER 600
SUSPECTS AT HAND, 135 IN KIRIKIRI PRISONS.WHILE MANY ARE AWAITING TRIAL, WE ARE STILL IN SEARCH OF OTHERS,WHO THINK THEY ARE WISE, AND HOPE THAT YOU WILL ASSIST BY GIVING ANY VITAL INFORMATION THAT COULD LEAD TO THE APPREHENSION OF THESE HOODLUMS. YOU CAN RECEIVE YOUR COMPENSATIONS PAYMENTS VIA ANY OF THIS OPTIONS YOU CHOOSE, DRAFT/CHEQUE PAYMENTS OR A.T.M CARD. EVERY OTHER MODALITIES WILL BE MADE KNOWN TO YOU BY ALHAJI HAMMAN ATIKU OF ECOBANK PLC. AS SOON AS YOU CONTACT THEM.PLEASE REMEMBER TO INCLUDE THE REF/PAYMENTS CODE:06654.
SEND A COPY OF YOUR RESPONSE WITH YOUR FULL DETAILS TO:
un.officespaymentsconfirmation@gmail.com
YOURS FAITHFULLY,
CHIEF OJO MADUEKWE. NIGERIA’S FOREIGN AFFAIRS MINISTER. |
Bennigan’s Bankruptcy; Is Famous Dave’s Next? August 12, 2008
Posted by curmudgeonblog in business.Tags: bankruptcy, restaurants
2 comments
Bennigan’s files for bankruptcy protection
By LAUREN SHEPHERD, AP Business Writer Tue Jul 29, 5:45 PM ET
NEW YORK – Restaurant chains Bennigan’s and Steak & Ale have filed for Chapter 7 bankruptcy protection and stores owned by its parent company will shut their doors.
The companies owned by privately held Metromedia Restaurant Group of Plano, Texas, filed for bankruptcy protection Tuesday in the Eastern District of Texas, less than two months after Metromedia said it was not preparing to do so. Metromedia Restaurant Group is a part of Metromedia Co., owned by billionaire John Kluge, that has interests in entertainment, radio stations and medical equipment.
In a Chapter 7 filing, a company seeks to liquidate its assets and shut down.
Locations owned by franchisees were not part of the bankruptcy filing and will not be shut down, said Larry Briski, president of the Bennigan’s Franchise Operator Association.
“They will be open today, tomorrow and months and years to come,” Briski said of the franchise locations.
The 138 domestic and international franchisee-owned restaurants are “open and fully operational,” Bennigan’s Franchising Co. LP and Steak & Ale Franchising Co. LP said in a statement.
Briski said there are about 150 company-owned Bennigan’s restaurants.
Meanwhile, employees at what appeared to be a company-owned Bennigan’s in Plano were greeted by a sign Tuesday on the front door reading “WE ARE CLOSED. THANK YOU.” Next door, a Steak & Ale sat empty in a deserted parking lot but there was no sign posted.
A waiter named Steve, who wouldn’t give his last name, said the staff got a phone call Tuesday morning telling them the restaurant was closing.
Neither Bennigan’s nor the Metromedia Restaurant Group returned calls for comment. A lawyer listed in the filing, J. Michael Sutherland of Carrington, Coleman, Sloman & Blumenthal LLP, did not return a call.
The filing lists 38 separate entities that it classified as “debtors” but does not include a list of locations that are shutting down.
All restaurants have been struggling as consumers cut back on discretionary spending to better deal with high gas prices, the weak housing market and inflation. The hardest hit have been casual dining chains and bar and grill restaurants, which charge higher prices than fast food and other quick-service chains.
Bar and grill restaurants have also suffered from intense competition. Morningstar analyst John Owens said several chains expanded quickly, making it more difficult for customers to differentiate between them and forcing many companies to cut prices to lure diners.
“Bennigan’s was the weakest of the major players,” Owens said.
Meanwhile, commodity costs have soared, forcing chains to either raise menu prices or see profits plunge.
Credit has also been tight, making it difficult for companies to restructure their debt.
In June, Metromedia Restaurants said it was formulating a proposal to present to its lenders to restructure its debt, but said it was not preparing to file for bankruptcy.
In the filing, the company indicated that it has up to 49 creditors and owes less than $50,000. It said it will have no funds left after administrative expenses are paid to repay its creditors.
Jeffry Davis, a bankruptcy attorney at Mintz Levin in San Diego who is not involved in the filing, said he was surprised the company didn’t file for Chapter 11 protection, which would have allowed it to reorganize and remain open, and instead filed to liquidate its assets.
“Typically, at that point, management sees no way to improve the business within a reasonable period of time to allow it to go forward,” he said. “To me it’s really indicative of the economy.”
The news appeared to be a shock to most of the company’s employees, but some may have had an inkling that the company was not doing well.
Steve, the Bennigan’s waiter in Plano, said he recently went from making $30 on a good lunch shift to only $10.
“Business has been slow,” said Steve, who said he relies on tips. “I went from making a lot of money on a shift to making very little.
___
Associated Press Writer Paul J. Weber in Dallas contributed to this report.
Famous Dave’s parking lot is looking pretty sparse most days. I wonder if they are the next shoe to drop?

