Lighting Pumpkins Tip

This year for Halloween, get a few glow sticks to light your pumpkins. They are safer than candles and last most of the night. You can find them for a dollar at the Dollar store. They also come in fun colors.

Pleased as Punch

This phrase came from an English puppet show, Punch and Judy that goes all the way back to the 1600s. No two performances of the show were totally alike, but they all usually involved the same events:
1. Punch kills his infant child
2. Punch punches Judy until she dies
3. Punch goes to prison and escapes using a golden key
4. He then kills doctors, lawyers, and a hangman
5. He kills Death, as in the Grim Reaper
6. Then it all ends spectacularly as he kills the Devil.

Apple Tracking

No, not a way to look for apples. It is a way Apple is tracking your iPhone. The new operating system that came out a few weeks ago has a feature that is turned on by default. IFA or IDFA stands for "identifier for advertisers." It is a random, anonymous number that is assigned to you and your iPhone.

The good news is that you can turn it off so advertisers cannot track your every move.

First, what it does. When you look at an app, or browse the web, your presence generates a call for an ad. The site you are looking at passes the IFA to the ad server so an advertiser knows a specific iPhone user is looking at a specific publication and can direct a specific ad to you.

To disable this, go to "Settings," "General," then "About," and then "Advertising." The tracking control is titled "Limit Ad Tracking," and must be turned to On. On means 'limit tracking' so tracking is not working. Interesting, you have to turn it on to turn tracking off.

State Rocks

Many people do not know there are many states that have a state rock. Here are states that do.
Serpentine California
Geode Iowa
Bauxite Arkansas
Slate Vermont
Thunder egg Oregon
Red granite Wisconsin
Agate Kentucky, Nebraska
Limestone Tennessee
Petoskey stone Michigan
Cumberlandite Rhode Island
Barite rose Oklahoma
Mozarkite Missouri
Roxbury puddingstone, Massachusetts
Marble Alabama, Colorado, Vermont
Coal Utah, West Virginia
Sandstone Nevada
Granite New Hampshire, North Carolina, Vermont

Robot Pole Dancer

This struck me funny and had to share. It is a pole dancing robot shown at the Tobit Software booth prior to the opening of the CeBIT IT fair in Hanover, Germany, on March 5, 2012. It should destroy the myth that nerds do not have a sense of humor.

You can find this and many more robots for work and play at LINK.    

Happy Friday

Love is the word used to label the sexual excitement of the young, the habituation of the middle-aged, and the mutual dependence of the old.

I still depend on the habit and excitement of having a Happy Friday!

What's in a Name, FICO

This is the scoring that is used for credit reporting. FICO is a public company that provides analytics and decision making services, including credit scoring intended to help financial services companies make complex, high-volume decisions.

FICO was founded in 1956 as Fair, Isaac and Company by Bill Fair and Earl Isaac. It went public in 1987 and was originally called Fair, Isaac and Company, it was renamed Fair Isaac Corporation in 2003, then changed its name and ticker symbol to FICO. It also sells other financial related products.

The big three credit reporting companies use this scoring to determine your creditworthiness. Each has its own name, but all use the FICO calculations methodology. Score is calculated on the following. Payment history 35%, amounts owed 30%, length of history 15%, new credit 10%, and types of credit used 10%. It includes only information on your credit report, and nothing else, like race, age, employment, income, etc. It is a snapshot in time and changes as your circumstances change, so you can influence the number for better or worse. Scores range from 300 to 850 with 60% of people falling between 650 and 799.

FICO score is used for home and auto loans, calculating interest rates, and buying insurance, etc. Some states allow employers to use the score to determine potential hiring.

Some tips - Paying down credit cards and revolving credit are better to increase your score than paying off auto or home loans. Also, making payments on time is important. Closing accounts does not make them go away.

You can get your credit history for free once a year, but I have not found a way to get an actual FICO score without paying something. There are free trials, but they entail an automatic enrollment in a program that takes some work to get out of before a payment is subtracted from your credit card. If your credit is OK, do not worry about your FICO.

Magazine Phone

There is a real working smartphone in Entertainment Weekly paper magazine. Wow. This is how cheap phones have become.  LINK

What Fall Colors Mean

As the days turn longer, less sunlight means less oxygen and glucose for plants and leaves and ultimately less chlorophyll, which hides the reds, yellows and oranges. Different materials cause different colors in leaves. Red comes from glucose, brown from waste and purple from anthocyanin. Yellow is always present in leaves, but during spring and summer, the green overpowers it.

The timetable for leaf transformation runs from September through early November. Typically, the first to see breathtaking fall foliage are the Rockies, Upper Midwest, and New England. From there leaves begin to change further south into the Ohio Valley, Pacific Northwest, and Middle Atlantic toward mid and late October.

The first frost and time of leaf change typically go hand in hand. Within a week or so of the first frost, expect quick leaf transformation. Other factors such as the amount of water during the summer and early fall impact the full potential of color. More water means better color.