I’m trying to cut back as much as I can. Insurance is great to have. I found out something on my credit card that I wanted others to know about.

When I got my Bank of America credit card I signed up for insurance. This insurance was costing me $0.87 per $100 on the card. Wonderful if you keep a low balance. I ran in to some issues earlier this year that I have not been able to quite recover from regarding the credit card. My wife went into the hospital and I used it to buy food and other stuff while she was there. I have also used it for gas when I forgot the bank card at home.

All of this adds up over time. I have a max of $2200 on the card. Well between the finance carges, and carring a high balance, the Insurance went up to $18 and then to $19 then to $20. We are making the minimum on the card. So if the finance charge is $30, and the insurance is $20, and we are paying $55 we are good and putting $5 toward the balance of the card.

He is where we got caught, and have been caught for a while and didn’t even realize it. The insurance came out of the card after the payment was made. So where we though we had paid the card down low enough from a previous month to get out he the over balance, here comes the insurance tacking on another $20. Then, the 1st comes around and we have an overage charge again, then more intrest along with the penility.

So we are bing charge $30 in interest, $20 in insurance, and $39 on over limit charges. It doesn’t take very much math to know that $90 is greater that $55 a month. We would never get out away from this. They are making a killing on us.

This is called the credit card debt spiral. I am trying to get a hold on everything with the aid of my wife. I’m looking for anything that could help me out. So I killed the insurance on the card. Now if I loose my job, then I’m screwed on the card payments. That is a risk that I have to take right now.

So $30 and $39 is still $70. I still either need to come up with the money to get it paid down below the $2200 mark, so that I will start paying the card off, or just go bankrupt. I am not one to run away from a challendge, so I’m not going bankrupt. Also because of the maxed out limit, my car insurance is much higher than it needs to be. Fucking Insurance.

I have become disappointed at Entrecard. I thought, this is what I get, that Entrecard was going to be used as a Web Business card for sites. In fact it is only used for blogs.

This is disappointing because I was using it for much more. I was using it to help promote ASMW. ASMW used to have a blog on it, and I’m working on getting a podcast setup. I guess I would be able to use it again when the podcast was setup, but I can’t use it until that is done.

This makes me sad. I don’t think that I will get out of the Entrecard game just yet. I’m doing a giveaway for 3000 ECs for others helping promote ASMW. It doesn’t seem to be as good of a deal as I thought. Not many people are doing it. So far I have a friend doing it.

As far as Entrecard goes, I’m sure they have reasons for only supporting blogs. I don’t know why they wouldn’t allow personal sites with out blogs as well.

So you have a Mac. What can you do to help improve the performance of your Mac? Well that is easy, Mac memory of course.

There is nothing like high compacity, volital memory to make your computer hum along. Macs are a lot like Linux and Unix computers. The more memory that you can throw at them, usually the better off you are. As were Windows writes to the hard drive from the get go, Mac will put it all in memory. So the more the better for your systems performance.

So get some memory for your dusty old Mac, or new 64bit system. I’m sure you will be happy with the change of pace.

I was browsing Amie Street this morning, we will say I started at 1am so I don’t feel bad for being up late, and I was looking around the beta site, testing it out and all. I like to stay as current as I can with Amie Street and what is happening. I took the opportunity to use a tool on the beta site for this weeks recommendation. I like the new recommendation tool on Amie Street’s beta site, but I also like the ability to see the latest artist that get posted to Amie Street on the current site. I’m really torn.

I found an album that was a compilation of other albums or artist for a record label. It is strange to see record labels posting on Amie Street, mainly because they are DRM free and support the independent artist. I wanted to give Hush Records props for posting song that are held by their label. It also appears that this album is still free and that many people have down loaded it and recommended it though the site. You know what? As of 1:20am, this album is still free. So hats off to you Hush Records.

For the song this week I liked the first song on this copulation of music. It just spoke to me and I don’t really know why, I just enjoyed it. The song is by Novi Split and will end up as a favorite of mine. Just something about it draws me to it. I’m sure it is the same thing that draws me to other music like it. The notes, with the lyrics, and over all the way it was done.

The album is filled with music of a similar taste. It would bee good to just program to, if your not in a hurry. I don’t think that it is something that I will end up playing all of the time, but you never know. I will have to see.

As I sit here typing this up, I realize that the album is nice and relaxing. The soft music of Nick Jaina is quite pleasent. I need to get to sleep and this is a nice relaxing song. So, if you have not signed up for Amie Street, then do so. If you follow this link, then you will get $5.00 put into your account by Amie Street. This is a great deal. Amie Street has allowed ASMW to continue bringing you music every week. They have also provided ASMW with different players, and the opportunity to offer $5.00 to people that sign up though this link.

I hope that you have enjoyed this weeks selection.