Debt Counseling vs. Debt Settlement

Let’s face it the economy bad, and a lot of us are struggling with bills and etc. So I thought I set the record straight on both debt counseling vs. debt settlement. The truth vs. lies you sometimes see and hear in commercials.

Lets start with ‘Debt Settlement’ so openly advertised by a company called ‘Debt Solutions’, which itself is in trouble with the Attorney Generals from at least 20 states who are suing them on multiple counts of fraud. They charges there customers $286 a month to settle
their debts, but only about 1% ever did get there debts settled. Lets debunk one myth, debt settlement is no good for your credit report. It is the exactly the same as if you decided to declare bankruptcy instead. Don’t believe me, just contact any consumer agency in your area, and they will tell you both bankruptcy and debt settlement is one and the same on your credit report, and they will both stay on there for 10 years.

So what else is left?! My advice is first contact your credit card company and see if they have a program to help you. Surprisingly many do, and this is actually good for your credit report. If they have no such program and they are not willing to work with you I say try debt counseling. Despite the ads debt counseling works, I can a test
to that it did with me. I had $23,000 in credit card debt on no less than 6 credit cards, worse yet I had nothing to show for it. It only cost me $10 a month fee plus my payment which was roughly a third of the payment the credit card company originally wanted for me to pay. It took me 6 years but I did it, all my bills paid and my credit report score jumped 6 months after I finished by nearly 120 points. That is up not down, and btw debt counseling only appears on your credit report for as long as your are on the program. I also say it was the smartest thing I ever done, for I went from a credit card junkie to someone who is very careful about his debts. I don’t have any and don’t want them.

Fur meets one view

I know there are a lot out there like me who are just plain curious about fur meets and cons. like this point of view.

From Xuill Karasuga from Furnation posted with permission

Well im not one to be shy around ppl but If u never had been to a fur meet and don’t get to actually hang around alot of furs. U will be nervous. I was. I knew a couple of the furs there but there were soo many i couldnt get all the names down. They were all very happy and willing to talk. But u really got to open up to them. And to sorta let your self go. The furs here love to be petted, scratched and just about hugged to death. They like the touchy feely stuff that alot of non furs i know think is weird and automaticly makes u gay if u hug another guy even though u arnt. Soo yea. I had fun and if u have a chance to go to one. DONT FUCKING MISS IT. It have been to 3 soo far and everytime i dont want to leave. Each time i have gone i have got more comfortable just playing and touching everyone. No i havent yiffed any of them. But idk u just want to randomly hug a fur when u are there. Well thats how i felt. SOo yea. Basicly to keep it short. At first its scary and new. But all in the same totaly exciting and fun.

Keeping spyware out of Windows

All you need to use is Firefox and did you know if you install 1 add on you can just about block all spyware. It’s call CookieMan Context. After it’s installed and you know which files are spyware (running a anti spyware program a few times you know which ones are spyware by heart). After which all you need to do is go to Tools > Options > Privacy then in to cookies all you have to do is select the right cookie and remove it. After which it will be blocked and you will never get it again.

What is your spirit animal

Found this on a yiffy board and thought I pass it along

http://www.jerismithready.com/quiz/

Don’t throw away that game!!!!

Begin both a collector and fan of videogames I am almost shocked to hear people are tossing old games…just because they think they are worthless. That my dear reader use to be true, believe it or not videogames along with the consoles that play them have become highly  collectible as long as they work!!! Think I am joking look at this list of highly collectible and very valuable titles.

Atari 2600. Wonder had a $6,500 offer on Birthday Mania, so technically that becomes most valuable.
Atari 5200 Bounty Bob $700 boxed
Atari 7800 Tank Command $500 sealed
Atari Jaguar Battlesphere gold $500
Colecovision Xonox double ender cart Motocross and Tomarc $100
NES. Nintendo World Championship $17,500
Odyssey 2 Power Lords! $200
Sega CD 32X  Darxide  $170
Sega Master System. Sonic the Hedgehog $150
Sega Genesis. Blockbuster World Championship cart $2,000
Sega Genesis 32x.  Spider-man Web of Fire $160

I am not saying your going to find these games in your or your parent’s closet or basement, but really the value on some games have really hit the roof. Take what happened to Final Fantasy 7 for the original Playstation. 2 years ago I was offered just $17 for that game I own, now my used copy is now worth $60.  Then there is the NES game Tetris, the version made by Tengen it averages around $1000. Think I am kidding?! Just check out any search engine, or Ebay and see what some very old games go for you will be amazed. Oh sure there are still some highly worthless titles like this old N64 title I tried to sell recently WWF No Mercy, it goes for $3 so I just gave it away to a swap meet. But who knows what you are likely to find, and given the way things are wouldn’t you like to have a little extra cash in your pocket?

There is one last thing I have to add, as in “What if I have a title that I can’t find online and I don’t know what it is worth?”, I say then sign in to the forum at http://www.atariage.com there are so many collectors on that board it’s hard not to find just one. You will get your answer faster than you might think. I know I have been a member there for many years.

Happy Hunting everyone!!!

What type of furry are you?

As originally posted by FurFapManiac on Nov 24, 2008 on the YI forum. Posted with permission.

I When i first realized i liked the furry Community i thought it was going to be pretty linear and not very deep.

I was WRONG

Its not a simple thing like you’re ethier furry or you’re not. There are many levels. Some shocking, some tame, some simple, some complex, but all envelop around the fact that you have some liking of cartoon animals… of sorts.

Some of these types you may understand, some you may know, and its possible I could be completely wrong with some of them. :dead:

But damn it, im going to describe ’em or at least the types i have seen, and perhaps then if arguments arise, i may get an insight into all of this. But here they are:

The types of Furs

The Furvert These are the people who are simply, 100% in it for the porn. Some are obsessed, some are looking for something different, but all are looking for Hot pics of Furry action. Some even get so obsessed they start distributing more Furry pics… which can lead to the next type of Furry.

The Furvert Convert These are the people who got into it for the awesome sexy porn, then started to realize that Furries are… just plain awesome. People who get to the stage ethier stop thinking about furry completely, or devote all their time to it and actually become enthralled by Furry culture. I guess i fit into this category. Furries rock! :mrgreen:

The Poke-e-Furry If you have ever been in a chat and met people talking about their level 53 Pikachu rather then anything relevant, then they may be a Poke-e-Furry. The Phenomenon known as Pokemon has probably recruited furries quicker then any other franchise. And its not hard to see why, the fun of training your own sentient animal superwarriors perfectly fits into the Furry scene. These people probably are the reason a good chunk of both artistic and adult furry art is made. We salute them in the fear that they will use their highly trained animal slaves and grind us into the earth. 😯

The Artistic Furry Ever wondered what kind of person could create that awesome Furry art or that awesome Furry story? Its none other then the work of the artistic furry, striving to use his or her gift of artistic expression to create something simply wonderful. Lots of these works take ethier a very long time or practically years to fully perfect. We pray that these people continue to use their skill to keep us enthralled and entertained and give us nice desktop backgrounds and posters, to keep Furries happy for years to come.

The Fur-better-than-you Have you ever met that guy that seems to put everyone down and try to maintain an air of superiority? Ever tired to warm up to such a person only to be coldly refused? Then you have met a Fur-better-than-you. Or perhaps you have got in his way? Its hard to tell with these people. ❓ Or maybe they are just too busy to have a conversation with you? Then why did they come to a forum or a chat room? Such questions are better off not pondering.

The Fuzzy Heard of these people? They are the people who say they are furries, but once you actually meet them and talk to them it becomes obvious that they aren’t here for the same reasons you are. Furries like cartoon animals. Fuzzies like… Animals. Perhaps even too much. Sometimes its pretty obvious that these people have misunderstood what furries are all about, and taken that to the next disturbing level. Caution is advised if you suspect you may be talking to such people.

The Fur-not These are the people that are CLEARLY not furries, but choose to hang out with them for odd reasons. It may be they are just ‘checking out’ what furries are all about or they may just be very very lonely. However sometimes if these people start to warm up to you, its possible that they could become interested in Furry. But emotional investment is definitely not advised. But don’t treat them any different Furries have a bad enough reputation as it is!

The Hardcore Furry Maybe you know this person. This person owns a fursuit. And Posters. And goes to Fur-cons all the time, and has many many obscure dvd’s you’ve never heard of. This person has more furry in them then you have in your entire body. Think of it this way, you may like furry stuff and use the internet to talk to others, and perhaps even have posters. The Hardcore furry Loves furry and makes a point of revolving his life around it. He goes to dozens of furry sites, and has more furry themed things then you could imagine. Every culture has its obsessive fans, and then the Hardcore fans. Only you can draw the line.

The Classic Furry These are the furries of the previous generation. Many have been through the obsessions we have even before the internet practically revolutionist how Fandoms are made. Many of these Humble souls who just liked drawing cartoon dogs mouses and foxes, and enjoyed any Movies or TV shows that revolve around them. (There were practically thousands of them back then) They were there before we even had what we have today. If you see any, a humble respect is a given. We must do these people proud by projecting Furries in a positive light. Its a long road, but we must make that dedication! FOR GLORY!

The Fur-troll Every Fad and Fandom has its internet trolls, and sadly some see Furries as an easy target. Some are actually funny, but most are just stupid, ethier way the method of dealing with them is the same. Ignore them. Get angry, but don’t give them a reason to do what they do. Just laugh at how they waste their time. Then Block them.

The Tame Furry Some people are here just for the nice art, and you have to respect such a person with the abundance of adult oriented art thats out there… You actually might not see much of this person, but you can be assured that they affect how your image is rated. They may not leave a comment, but they wont leave until they have some nice pictures. Good on them!

The Art-Fail Furry Some furries take it apon themselves to try to do some nice furry pictures. But due to ethier to the lack of skill on their part, or what they choose to draw, or maybe that they chose to draw it in paint, the picture is simply ethier laughable or sad. But remember you have to learn 1000 ways not to draw something before you can draw it. Unfortunately, you will have to see some of those 1000. or read some. Shit. It happens.

The Fur-philes People who are into Cub. Enough said.

The Fur-lurker The only thing known about this fur, is that not alot is known about him/her. Where is this guy? Who is he? Will he come and have a chat? All that is known is not much. Approach with caution, if you do decide he might want to talk.

The Fur-kiddie This is the person who uses short sentences, some only consisting of a smiley. Or sometimes only one word. Sometimes you can tell this person isn’t that old, and sometimes its just implied when the wont answer the question about their age. Depending on the context, these sort of people are ethier going to be annoying or are going to go places they aren’t meant to tread. Do what you think is best, which is usually ignoring them or pointing out why they shouldn’t be here. I mean, if to make one person unhappy is to make everyone else feel comfortable what would you do? Thats what i thought