From owner-freebsd-isp@FreeBSD.ORG Thu Jan 3 09:25:18 2008 Return-Path: Delivered-To: isp@FreeBSD.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 0096A16A419; Thu, 3 Jan 2008 09:25:18 +0000 (UTC) (envelope-from sat@cenkes.org) Received: from heka.cenkes.org (heka.cenkes.org [208.79.80.110]) by mx1.freebsd.org (Postfix) with ESMTP id CF71513C45D; Thu, 3 Jan 2008 09:25:17 +0000 (UTC) (envelope-from sat@cenkes.org) Received: from amilo.cenkes.org (ppp85-141-135-82.pppoe.mtu-net.ru [85.141.135.82]) (Authenticated sender: sat) by heka.cenkes.org (Postfix) with ESMTP id 10409242F82D; Thu, 3 Jan 2008 12:08:51 +0300 (MSK) Date: Thu, 3 Jan 2008 12:08:49 +0300 From: Andrew Pantyukhin To: questions@FreeBSD.org, isp@FreeBSD.org Message-ID: <20080103090847.GK96716@amilo.cenkes.org> MIME-Version: 1.0 Content-Type: text/plain; charset=us-ascii Content-Disposition: inline X-OS: FreeBSD 8.0-CURRENT amd64 User-Agent: Mutt/1.5.17 (2007-11-01) Cc: Subject: console server using a modern 1U box X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list Reply-To: infofarmer@FreeBSD.org List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Thu, 03 Jan 2008 09:25:18 -0000 What are the options? Should we go the USB->RS232 way or are there PCI Express or PCI-X multiport cards supported by FreeBSD? This is a telecom-ish environment, so ease of rackmounting is a plus (consumer USB stuff is thus a PITA for us). Any comment will be appreciated! From owner-freebsd-isp@FreeBSD.ORG Thu Jan 3 10:23:36 2008 Return-Path: Delivered-To: isp@FreeBSD.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 1E88416A417; Thu, 3 Jan 2008 10:23:36 +0000 (UTC) (envelope-from jacques@ataris.co.za) Received: from prometheus.powertrip.co.za (prometheus.powertrip.co.za [72.21.46.202]) by mx1.freebsd.org (Postfix) with ESMTP id EC2BD13C4CC; Thu, 3 Jan 2008 10:23:35 +0000 (UTC) (envelope-from jacques@ataris.co.za) Received: from dsl-145-224-160.telkomadsl.co.za ([165.145.224.160] helo=[10.0.0.4]) by prometheus.powertrip.co.za with esmtpsa (TLSv1:AES128-SHA:128) (Exim 4.61 (FreeBSD)) (envelope-from ) id 1JAMuI-0008K1-N9; Thu, 03 Jan 2008 12:02:36 +0200 In-Reply-To: <20080103090847.GK96716@amilo.cenkes.org> References: <20080103090847.GK96716@amilo.cenkes.org> Mime-Version: 1.0 (Apple Message framework v753) Content-Type: text/plain; charset=US-ASCII; format=flowed Message-Id: Content-Transfer-Encoding: 7bit From: Jacques Marneweck Date: Thu, 3 Jan 2008 12:02:07 +0200 To: infofarmer@FreeBSD.org X-Mailer: Apple Mail (2.753) X-Scan-Signature: d60c3c1c0511945586639fee8dfee0bb X-Authenticated-Sender: jacques@powertrip.co.za Cc: questions@FreeBSD.org, isp@FreeBSD.org Subject: Re: console server using a modern 1U box X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Thu, 03 Jan 2008 10:23:36 -0000 Hi, Take a look at the Lantronix console servers. Regards --jm On 03 Jan 2008, at 11:08 AM, Andrew Pantyukhin wrote: > What are the options? Should we go the USB->RS232 way or are > there PCI Express or PCI-X multiport cards supported by FreeBSD? > This is a telecom-ish environment, so ease of rackmounting is a > plus (consumer USB stuff is thus a PITA for us). > > Any comment will be appreciated! > _______________________________________________ > freebsd-isp@freebsd.org mailing list > http://lists.freebsd.org/mailman/listinfo/freebsd-isp > To unsubscribe, send any mail to "freebsd-isp-unsubscribe@freebsd.org" From owner-freebsd-isp@FreeBSD.ORG Thu Jan 3 10:25:07 2008 Return-Path: Delivered-To: isp@FreeBSD.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 82E7916A46D for ; Thu, 3 Jan 2008 10:25:07 +0000 (UTC) (envelope-from daniel@skytek.it) Received: from mail.skytek.it (mail.skytek.it [217.194.176.18]) by mx1.freebsd.org (Postfix) with ESMTP id 1995A13C465 for ; Thu, 3 Jan 2008 10:25:06 +0000 (UTC) (envelope-from daniel@skytek.it) Received: from [192.168.30.100] ([192.168.30.100]) by mail.skytek.it (Skytek Mail Server v.11.47-p9) with ASMTP id JLP12408; Thu, 03 Jan 2008 11:12:08 +0100 Message-ID: <477CB4FB.6060605@skytek.it> Date: Thu, 03 Jan 2008 11:12:11 +0100 From: Daniel Ponticello User-Agent: Thunderbird 2.0.0.9 (Windows/20071031) MIME-Version: 1.0 To: infofarmer@FreeBSD.org References: <20080103090847.GK96716@amilo.cenkes.org> In-Reply-To: <20080103090847.GK96716@amilo.cenkes.org> Content-Type: text/plain; charset=ISO-8859-1; format=flowed Content-Transfer-Encoding: 7bit Cc: questions@FreeBSD.org, isp@FreeBSD.org Subject: Re: console server using a modern 1U box X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Thu, 03 Jan 2008 10:25:07 -0000 Hello Andrew, i know PCI Express Moxa cards are supported on freebsd (they provide proprietary drivers): http://www.moxa.com/product/CP-104EL.htm Anyway, i'm only using the ethernet to RS232 devices from Moxa, and they work pretty well. Cheers, Daniel Andrew Pantyukhin ha scritto: > What are the options? Should we go the USB->RS232 way or are > there PCI Express or PCI-X multiport cards supported by FreeBSD? > This is a telecom-ish environment, so ease of rackmounting is a > plus (consumer USB stuff is thus a PITA for us). > > Any comment will be appreciated! > _______________________________________________ > freebsd-isp@freebsd.org mailing list > http://lists.freebsd.org/mailman/listinfo/freebsd-isp > To unsubscribe, send any mail to "freebsd-isp-unsubscribe@freebsd.org" > > From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 10:37:26 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 29F4916A418 for ; Fri, 4 Jan 2008 10:37:26 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from hs-out-2122.google.com (hs-out-0708.google.com [64.233.178.246]) by mx1.freebsd.org (Postfix) with ESMTP id C7CE613C457 for ; Fri, 4 Jan 2008 10:37:25 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by hs-out-2122.google.com with SMTP id j58so5153973hsj.11 for ; Fri, 04 Jan 2008 02:37:24 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=jNhTY4iLt1eX0udtEPuv+PcrOyVhb/bzjoobAVEb/+w=; b=H+k2zWA5kVXWHitjl/XFd07Z9UsH/+tpRWtaaPS/sy9kB61uFQDG6CG32jP5x6/9CJuPuEk1h4hyx6H36iAEK5iMttYaDQIQTGqHBU0T+tJIaJBEi7zn3//FtXVBzAHqss5TBBSptVkKQTchXkl/r183De3mqTwq6STNGITPZo4= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=NoVHBmNf+4GNz+37ZZB6Lm15E8mEXJf2wYuvdkheV5/KnxeVdJpHR+sLDf0buEoQyp9jN3Jwu4qZPgNEPRqpIL3ju61Gx3FCdviZwzzZcMDoyamUHgY8INyaib28FRds4DmjSR9RRh81N6yHitQqA6M0qjrq6q3XgTRHStjIJkk= Received: by 10.151.12.1 with SMTP id p1mr4520024ybi.83.1199442622267; Fri, 04 Jan 2008 02:30:22 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 02:30:22 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 12:30:22 +0200 From: "Super Star" To: freebsd-isp@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: United Built Homes, Real Estate Listings - Property Search X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 10:37:26 -0000 United Built Homes, Real Estate Listings - Property Search Trying to buy a new home of to sell a property is an experience which can demand a lot of time, energy and patience. Most people have had the frustrating experience of scanning the newspapers and going through the real estate listings again and again every morning in order to locate the elusive dream home or to come across the perfect buyer for your cherished property which you want to hand over to safe hands. You simply wished that you could get the list of all the buyers and sellers who suit your location and budget preferences. However, with the development of the internet, things have taken a turn for the better and searching for the perfect home or the perfect buyer for your property is not as difficult as it was before. Looking for trained professionals? website which helps you list your home and also locate good homes according to your needs, budget constraints and location preferences. Listing your home on helpusell.com is a very good idea since your property becomes more visible to prospective buyers. The way to go about it is simple. You just have to approach the nearest Help-U-Sell office and they take care of the rest. How helpusell works? The fact that that Help-U-Sell keeps their real estate listings up to date makes it possible to remain current with latest developments regarding a home which has recently come onto the market. Also their property search tool is fast, simple and easy to use. Help-U-Sell has 30 years experience to back your search for the perfect buyer for your home. The seller has a greater participation in the process of the sale of his home and is required to pay Help-U-Sell only according to the cost of services provided to him. The seller sets the price he deems fit for his home. If required, Help-U-Sell's professionally qualified and authorized agents would help in determining the best price you can get for your home. Taking the help of their professional services is a great investment of your time since each Help-U-Sell agent has many years of backing in the real estate business and would be able to provide the correct advice. Help-U-Sell agents also have a good idea about the going rates of the houses in the area. The owners have the option of showing their homes to their prospective buyers themselves, or having a Help-U-Sell agent be the direct contact with prospective home buyers. This option helps the seller to market his home in a better way by highlighting all the positive points directly. However, if the owner does not feel comfortable about showing his house, Help-U-Sell agents will gladly show the client's home for them. As for a person who wishes to buy home, thousands of homes on offer can be located with just a click of the mouse, and when you sell your home, knowing that you will pay a flat fee instead of a percentage of the value of your home will put more money in your pocket at the end of the day. From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 10:50:08 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 4F4F716A41B for ; Fri, 4 Jan 2008 10:50:08 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from hs-out-2122.google.com (hs-out-0708.google.com [64.233.178.250]) by mx1.freebsd.org (Postfix) with ESMTP id EE56313C45D for ; Fri, 4 Jan 2008 10:50:07 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by hs-out-2122.google.com with SMTP id j58so5157234hsj.11 for ; Fri, 04 Jan 2008 02:50:07 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=6o8E5JiYmzFQYGEPW9QinMTTyDOP3XqWAgmRRkowIqc=; b=qCCFcXxLJRZpcGMmJx2aF6IOYYs650rltClVKJrc5EtlcaR8uTZMZGNal5GmZDxISMlj8zkljI4EumsZyk5PWqTGa7/X/e4o3zW4OgxrK4KDpygZmiIMiyK6KdGPAetnJvIDoRLvvbdNxMndnWsdG712tpgPGIhw7GOfkbUS9ac= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=DnhpU9wsg9WHadE3rgZlchw4uaZJm2BLm3wG58ARBarvgBgvUqSOIwHcvh7z8LQpfYQhs0FGbL/vH4tGH/YZ1ctTYjPDLZJ1dwhumKgJ6I5v4xxB1f4Yh/N3V7IcYCKvXlDlPmSzOkj+o2VbLiEmsbCsbhl2VL0rnCQ+0SfwD1M= Received: by 10.150.144.9 with SMTP id r9mr2354948ybd.110.1199442165312; Fri, 04 Jan 2008 02:22:45 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 02:22:45 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 12:22:45 +0200 From: "Super Star" To: freebsd-isp@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Martin Pelmore, How to Work out the Cheapest Credit Card? X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 10:50:08 -0000 Martin Pelmore, How to Work out the Cheapest Credit Card? With the rise in popularity of credit cards many are finding that they are the best choice when it comes to online purchases, providing temporary finance and also ensuring that you have an element of security that other payment services offered by banks do not provide. Despite this, other inherent disadvantages are causing many to choose not to contract with a credit card service provider. Reasons for this include a fear of accumulation of debt, rising figures in relation to identity theft and credit card fraud, and also an inability to shift away from the archaic ?offline cash transactions? that they have been in the way of for so many years. With careful planning and firm self-regulation credit cards can be a valuable tool, with great results, however what most people lack is the ability to really spot a deal. Follow these steps to ensure that you get the cheapest credit card for your needs. 1. Work out how much you intend to spend with your credit card, each and every month. 2. Work out how you will be able to pay this amount of money back. 3. Calculate the risk factor involved in you getting into financial difficulty. 4. Work out the best case scenario and the worst case financial scenario that you will be in over the next 6 months. 5. Might be out of work? If you run the risk of being out of work over the next 6 months, then we recommend that you never allow your credit card balance to go below zero at the end of each month. 6. Shop around and find all the cost-centers associated with the credit cards that suit your needs. 7. Compare at least 3 credit cards, and consider how much they will charge you in total, based upon the figures you worked out in step 4. Ensure that you include APR, yearly fees (if they apply) and limited time offers. 8. Made a choice? Now consider how reputable that company is. If they are a public limited or listed companies then they are more likely to be reputable, this will also apply if they are owned by a major bank. 9. Read the terms and conditions of the company that you are considering working with. Remember that these terms and conditions are legally binding, and they affect both you and the credit card company. 10. Last chance! Before you get the credit card sent to you, think over it one last time. Are you sure this is what you want to do? If not, why not wait a while and come back to it in a few days? If you do go ahead with it and you change your mind, you can always cut it up! Credit cards provide many advantages to sensible people, who find credit cards a great way to finance purchases, regulate merchant transactions and complete purchases offline and online with no need for a pile of cash in their wallet. Despite this, not everyone is as sensible, please ensure that you only spend what you can afford, and in doing so get the best results from your credit card. This article is written by Devin Gilliland publisher for credit-wisdom and j From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 11:40:48 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 5029616A419 for ; Fri, 4 Jan 2008 11:40:48 +0000 (UTC) (envelope-from nltest@dds--1.com) Received: from 1stnewsletters.com (ns1.1stinfosystems.com [207.178.197.212]) by mx1.freebsd.org (Postfix) with ESMTP id E962713C461 for ; Fri, 4 Jan 2008 11:40:43 +0000 (UTC) (envelope-from nltest@dds--1.com) Received: from mail pickup service by 1stnewsletters.com with Microsoft SMTPSVC; Fri, 4 Jan 2008 03:39:35 -0800 From: "Jeff Kelley, DDS" X-NEWSLETTER1R: pTmmgXO3F4C78zgpFlpFOOcGt+c= X-NEWSLETTER2A: 000036084 To: "freebsd-isp@freebsd.org" Message-ID: <5b68c9d22fc74fcfacfe6aabe7289ed1@dds--1.com> Date: Fri, 04 Jan 2008 03:39:24 -0800 MIME-Version: 1.0 X-OriginalArrivalTime: 04 Jan 2008 11:39:35.0060 (UTC) FILETIME=[7AC9DD40:01C84EC6] Content-Type: text/plain; charset=Windows-1252 Content-Transfer-Encoding: quoted-printable X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Are Your Teeth Temperamental? X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list Reply-To: jakelleydds@sbcglobal.net List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 11:40:48 -0000 Greetings from Jeff Kelley, DDS! Are Your Teeth Temperamental? Dealing with Sensitive Smiles Are you overly sensitive? Relax, I don't mean crying during life insura= nce commercials; I'm talking about your smile=2E Millions of adults str= uggle with hypersensitive teeth, meaning they are sensitive to hot and = cold temperatures, very sugary or acidic foods and drinks and vigorous = tooth brushing=2E This kind of sensitivity is often called "dentin hype= rsensitivity=2E" Dentin is the tissue that makes up the core of each tooth=2E Above the = gum line, dentin is protected with a coating of enamel=2E Unfortunately= , as enamel is worn away or decayed, dentin becomes exposed and recepti= ve to sensations that cause painful nerve responses=2E This can also oc= cur as the result of receding gums, a common symptom of gum disease=2E So, what causes sensitive teeth? A number of things may be to blame=2E = Over-zealous brushing with a firm bristled tooth brush or abrasive toot= hpaste can lead to dentin hypersensitivity, as can gum disease, which i= s the result of poor brushing and flossing habits=2E Your diet may also= play a role, as frequent consumption of acidic foods and drinks can ch= emically dissolve tooth enamel=2E Finally, abnormal wear on tooth surfa= ces from chronic clenching or grinding of teeth, nail biting and chewin= g on hard objects can lead to sensitive teeth=2E=20 If you're already suffering from overly sensitive teeth, there are prod= ucts that can help=2E Toothpaste designed for those with sensitive teet= h can reduce the pain associated with the condition after only a few da= ys of use=2E Also, be sure to stick with a soft-bristled toothbrush - h= ard toothbrushes will only exacerbate the problem=2E Brush and floss da= ily to maintain healthy gums and protect dentin from exposure=2E Your continued good health is always our primary concern, so please con= tact my office at (817)877-1651 or jakelleydds@sbcglobal=2Enet if you'r= e suffering from hypersensitive teeth, another dental ailment, or are j= ust due for your regular check-up=2E We'll take great care of you! Best Regards, Jeff Kelley, DDS P=2ES=2E If you have any friends or family members who you feel could u= se our services, please don't hesitate to have them call us=2E We'll be= sure to take good care of them=2E From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 11:41:52 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id EB41516A419 for ; Fri, 4 Jan 2008 11:41:52 +0000 (UTC) (envelope-from bounce-20-229567881@trakken.google.com) Received: from smtp-out3.google.com (smtp-out3.google.com [216.239.45.15]) by mx1.freebsd.org (Postfix) with ESMTP id CB48513C46A for ; Fri, 4 Jan 2008 11:41:52 +0000 (UTC) (envelope-from bounce-20-229567881@trakken.google.com) Received: from zps27.corp.google.com (zps27.corp.google.com [172.25.146.27]) by smtp-out3.google.com with ESMTP id m04BLcFm021409 for ; Fri, 4 Jan 2008 03:21:38 -0800 Received: from zps37.corp.google.com (zps37.corp.google.com [172.25.146.37]) by zps27.corp.google.com with SMTP id m04BLc2Y031942; Fri, 04 Jan 2008 03:21:38 -0800 Received: from zpay80.corp.google.com (zpay80.corp.google.com [172.25.203.80]) by zps37.corp.google.com with ESMTP id m04BLcUC016951 (version=TLSv1/SSLv3 cipher=DHE-RSA-AES256-SHA bits=256 verify=NOT) for ; Fri, 4 Jan 2008 03:21:38 -0800 Received: (from mail@localhost) by zpay80.corp.google.com (8.13.8/8.13.8) id m04BLcDO031767 for freebsd-isp@freebsd.org; Fri, 4 Jan 2008 03:21:38 -0800 Date: Fri, 04 Jan 2008 11:21:31 -0000 From: "Copyright Service" To: freebsd-isp@freebsd.org Message-ID: <#14.daeed89.d4b612e1.477e16bb.1c@google.trakken.com> MIME-Version: 1.0 Content-Type: text/plain; charset="iso-8859-1" In-Reply-To: <20080104112122.6293A40003@sjl-mbox1.sjl.youtube.com> User-Agent: Neotonic Trakken/inject-2.51.9 Precedence: bulk Auto-Submitted: auto-replied Subject: Re: Advice X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 11:41:53 -0000 This is an automated response to let you know that your message has been caught by our spam filter. Something in your message set it off, and your message won't be read. Please don't reply to this message -- we won't get your response. We want to hear from you, however, and apologize for this inconvenience! Please try sending your message again, possibly excluding any strange text or images. Sending your message as "Plain Text" is probably a good idea too. Alternately, you can send us a message using the contact form in our help center. http://www.google.com/support/youtube Original Message Follows: ------------------------ From: freebsd-isp@freebsd.org Subject: Advice Date: Fri, 4 Jan 2008 20:21:18 +0900 Please read the attached file. ******************************************************************** Original filename: My_Advice.pif Virus discovered: W32/Netsky.AA@mm ******************************************************************** A file that was attached to this email contained a virus. It is very likely that the original message was generated by the virus and not a person - treat this message as you would any other junk mail (spam). For more information on why you received this message please visit: http://www.corp.google.com/ops/sysops/services/email/filtering/spam-virus/end_user.html#virusoverview For specific questions about this policy, or if this is a matter requiring the attention of a human, open a Helpdesk ticket. ******************************************************************** From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 12:24:37 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 72F0516A419 for ; Fri, 4 Jan 2008 12:24:37 +0000 (UTC) (envelope-from nltest@dds--1.com) Received: from 1stnewsletters.com (ns1.1stinfosystems.com [207.178.197.212]) by mx1.freebsd.org (Postfix) with ESMTP id 50F3813C474 for ; Fri, 4 Jan 2008 12:24:37 +0000 (UTC) (envelope-from nltest@dds--1.com) Received: from mail pickup service by 1stnewsletters.com with Microsoft SMTPSVC; Fri, 4 Jan 2008 04:24:46 -0800 From: "Dr. Josh Leute" X-NEWSLETTER1R: pTmmgXO3F4C78zgpFlpFOOcGt+c= X-NEWSLETTER2A: 000036191 To: "freebsd-isp@freebsd.org" Message-ID: <8d988f4cfcd3497fb495bed3fa8f00bd@dds--1.com> Date: Fri, 04 Jan 2008 04:24:46 -0800 MIME-Version: 1.0 X-OriginalArrivalTime: 04 Jan 2008 12:24:46.0560 (UTC) FILETIME=[CAF7EE00:01C84ECC] Content-Type: text/plain; charset=Windows-1252 Content-Transfer-Encoding: quoted-printable X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Are Your Teeth Temperamental? X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list Reply-To: drleute@familydentistportwashington.com List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 12:24:37 -0000 Greetings from Dr=2E Josh Leute! Are Your Teeth Temperamental? Dealing with Sensitive Smiles Are you overly sensitive? Relax, I don't mean crying during life insura= nce commercials; I'm talking about your smile=2E Millions of adults str= uggle with hypersensitive teeth, meaning they are sensitive to hot and = cold temperatures, very sugary or acidic foods and drinks and vigorous = tooth brushing=2E This kind of sensitivity is often called "dentin hype= rsensitivity=2E" Dentin is the tissue that makes up the core of each tooth=2E Above the = gum line, dentin is protected with a coating of enamel=2E Unfortunately= , as enamel is worn away or decayed, dentin becomes exposed and recepti= ve to sensations that cause painful nerve responses=2E This can also oc= cur as the result of receding gums, a common symptom of gum disease=2E So, what causes sensitive teeth? A number of things may be to blame=2E = Over-zealous brushing with a firm bristled tooth brush or abrasive toot= hpaste can lead to dentin hypersensitivity, as can gum disease, which i= s the result of poor brushing and flossing habits=2E Your diet may also= play a role, as frequent consumption of acidic foods and drinks can ch= emically dissolve tooth enamel=2E Finally, abnormal wear on tooth surfa= ces from chronic clenching or grinding of teeth, nail biting and chewin= g on hard objects can lead to sensitive teeth=2E=20 If you're already suffering from overly sensitive teeth, there are prod= ucts that can help=2E Toothpaste designed for those with sensitive teet= h can reduce the pain associated with the condition after only a few da= ys of use=2E Also, be sure to stick with a soft-bristled toothbrush - h= ard toothbrushes will only exacerbate the problem=2E Brush and floss da= ily to maintain healthy gums and protect dentin from exposure=2E Your continued good health is always our primary concern, so please con= tact my office at (262)284-5884 or drleute@familydentistportwashington=2E= com if you're suffering from hypersensitive teeth, another dental ailme= nt, or are just due for your regular check-up=2E We'll take great care = of you! Best Regards, Dr=2E Josh Leute P=2ES=2E If you have any friends or family members who you feel could u= se our services, please don't hesitate to have them call us=2E We'll be= sure to take good care of them=2E From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 12:25:23 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id B6F1016A469 for ; Fri, 4 Jan 2008 12:25:23 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from ag-out-0708.google.com (ag-out-0708.google.com [72.14.246.247]) by mx1.freebsd.org (Postfix) with ESMTP id 7520513C442 for ; Fri, 4 Jan 2008 12:25:23 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by ag-out-0708.google.com with SMTP id 31so1401274aga.3 for ; Fri, 04 Jan 2008 04:25:23 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=PLDSkbiXk8C5cpnjqEv46fnsFTkDPcb473XBJL+B+aY=; b=NnUgvEGMezhVR90BqoZjztYHzC5QWEbmKvq7TuuKD4HLZgn3+cuLJ9yxGBD0urnNlFscllLuZKQe0w7ozmIKlL2wxTfPC82rrCd8IgZaHnsMrmzK7eJG222l36DQEp0/oDdVrU8/X/U0Ng/vIRUBPxjDSPM3FtScehKsPp1hpeU= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=PJ5sLB84npFgzD4mxYyQj6ZO91Z9TsDL+jAB24aO4zUscd4iPW91vds0NaDaAmzqgnInQZpeWj+3oP4Lwoz21mAbavuD+2UKRyWAAbBRyISVstKWHx7V8fws6HlFENBwcAgf4dJT5cXorGJqIuE83Itv77vFoY5Rker0Wi2Vkbc= Received: by 10.151.9.1 with SMTP id m1mr1627559ybi.81.1199449523282; Fri, 04 Jan 2008 04:25:23 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 04:25:23 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 14:25:23 +0200 From: "Super Star" To: freebsd-isp@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: John Rosatti, Bleeding Dyes Can Ruin Your Carpet X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 12:25:23 -0000 John Rosatti, Bleeding Dyes Can Ruin Your Carpet Carpet is a great flooring but can be affected by a number of different things. Things that can cause it harm and even permanently damage it. One of those things is bleeding dye. This can come from a number of different sources and is serious problem Read this article to learn a little about this problem and what you can do about it. The first thing you need to do is discover the source of bleeding dye. It can be caused by several different common things in your home. One source is area rugs. Dyes from area rugs can easily transfer to the carpet with moisture. There might even be enough moisture in the air on a humid day to cause it . The most common types of rugs that bleed are expensive oriental rugs. To prevent this type of damage you should be sure to place a rug mat underneath the area rug. This will keep it form transferring dye in case the rug were to get wet. Another source of dye transfer is from labels on the bottom of furniture. To prevent this from happening always check the bottom of anything you place on your carpe for labels and tags. If they are present, remove them. The last source of dye transfer that I will talk about is furniture. Some furniture can bleed dye. This is usually the case with fabric furniture that has no legs or with skirts that touch the ground. To prevent this type of damage try to use furniture with legs that keep it a little distance above the carpet. Carpet dye transfer is usually a permanent problem. Unfortunately the dye can seldom be completely removed so the best thing to do is preen the damage. Take a little care and put a little thought into your carpet though and you should be just fine. Good luck. Go to for information on carpet cleaning and carpet care. From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 12:33:09 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 7B09116A41B for ; Fri, 4 Jan 2008 12:33:09 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from ag-out-0708.google.com (ag-out-0708.google.com [72.14.246.247]) by mx1.freebsd.org (Postfix) with ESMTP id 2A09F13C448 for ; Fri, 4 Jan 2008 12:33:09 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by ag-out-0708.google.com with SMTP id 31so1402614aga.3 for ; Fri, 04 Jan 2008 04:33:08 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=UIBxYH/CbLN5iXlv93sYwcL1WUx0KxaLw5VJqqZlmSE=; b=VJpr563ImsIveJiKu5+UX04ba7h70Uz3tC3sGE4PvlkucrRCHN8SLpndJgvwu0vZa2EYrTjpTUqmqK4lp6R8W3M4UJEQlM/JwSl20nH4ti86pK+A/IMj5ckJWOmfkLqETKhlvHZV421r+Fdz9IfSSIl4lt9UTvUtODAYI4OUT2M= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=jAHlt2q9Sf+soJaBEi2pFE5ncIggtYxs6B5j2U9BStSQt1FvFwrqeoNvOBn8y48nk5hSbQZpTdLn87l65kwWXo3JCwwtQDJJ2czBWmzE+DhaEKgyl5Lda4zYXi/Yp6LWB1Mf12VpvD9MAcLm4S+Wdd5azAIUQe0a9zU7z0c/EcY= Received: by 10.150.57.5 with SMTP id f5mr4571897yba.71.1199449988532; Fri, 04 Jan 2008 04:33:08 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 04:33:08 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 14:33:08 +0200 From: "Super Star" To: freebsd-isp@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=ISO-8859-1 Content-Transfer-Encoding: 7bit Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Palm Vacations, Enjoy An Exciting Vacation Experience By Travelling To Murcia X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 12:33:09 -0000 Palm Vacations, Enjoy An Exciting Vacation Experience By Travelling To Murcia If you are planning on travelling to Murcia you will be able to look forward to an exciting and satisfying vacation experience that will leave you with many treasured memories. There are many wonderful places to explore in Spain, from the exciting and beautiful Costa Blanca and Costa del Sol resorts to the richly historic cities such as Seville and Barcelona. Within easy reach from the airport, Murcia is another of this country's treasures and many tourists travel here each year to take in the beauty, soak up the fabulous weather, enjoy exploring the history and culture, and take in the vibrant charm of the area. Murcia is located between Andalusia and Valencia, and is well known for its production of delicious fruits and vegetables as well as for its beauty, charm, and character. No matter what you want from your vacation experience, you will find that this is the ideal place to enjoy some really quality time. With attractions and entertainment within easy reach, a host of historical and architectural treasures, and a variety of recreational facilities on offer, you can keep yourself busy both day and night when you come to this region. You can get some great deals when travelling to Murcia Those planning to head to this popular Spanish region can get some great deals these days, and this means that enjoying some time in this incredible destination won't cost you the earth. These days it is possible to get some fantastic deals on flights, car hire, travel insurance cover, and accommodation in the Murcia region - in fact, you can even get some fantastic deals on property to purchase in this area, which means that you could even plan for the future and choose this area as somewhere to retire. This is an area that is very diverse in character, and you will find attractions and sights that will appeal to both old and young alike, from rich history and cultural attractions to excellent shopping and vibrant nightlife. Eating out in Murcia can be a very exciting experience, with a great choice of dining establishments designed to suit all tastes, which means that you will never be short of choice when you are after a tasty snack or a fine meal. You can also select from a great choice of accommodations in the area, with everything from charming bed and breakfast lodgings to big name hotels offering a host of leisure and business facilities. Find plenty to explore in and around this region Murcia is a region that offers an abundance of places to explore, all within easy reach. If you hire a car when you visit this area you can travel a little further afield and really make the most of your time in the region. For instance Aguilas can be found around an hour and a half's drive away, and is a fantastic medieval town with plenty to explore. Or take in the fantastic architecture and ruins at Lorca, which is around an hour's drive away. You will find plenty of other sights and attractions that you can explore even without a car, however, such as museums, historical places of interest, and more. And don't forget those beautiful beaches, where you can kick back and relax as you soak up the sunshine - not to mention the great choice of recreational activities on offer, from climbing and nature walks to boating and water activities. From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 13:19:00 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 77EBC16A46D for ; Fri, 4 Jan 2008 13:19:00 +0000 (UTC) (envelope-from nltest@dds--1.com) Received: from 1stnewsletters.com (ns1.1stinfosystems.com [207.178.197.212]) by mx1.freebsd.org (Postfix) with ESMTP id 5FE8513C447 for ; Fri, 4 Jan 2008 13:19:00 +0000 (UTC) (envelope-from nltest@dds--1.com) Received: from mail pickup service by 1stnewsletters.com with Microsoft SMTPSVC; Fri, 4 Jan 2008 05:19:09 -0800 From: "Dr. Julian H. Zhitnitsky" X-NEWSLETTER1R: pTmmgXO3F4C78zgpFlpFOOcGt+c= X-NEWSLETTER2A: 000036314 To: "freebsd-isp@freebsd.org" Message-ID: Date: Fri, 04 Jan 2008 05:19:09 -0800 MIME-Version: 1.0 X-OriginalArrivalTime: 04 Jan 2008 13:19:09.0669 (UTC) FILETIME=[63EED950:01C84ED4] Content-Type: text/plain; charset=Windows-1252 Content-Transfer-Encoding: quoted-printable X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Are Your Teeth Temperamental? X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list Reply-To: drz@dentistsherwood.com List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 13:19:00 -0000 Greetings from Dr=2E Julian H=2E Zhitnitsky! Are Your Teeth Temperamental? Dealing with Sensitive Smiles Are you overly sensitive? Relax, I don't mean crying during life insura= nce commercials; I'm talking about your smile=2E Millions of adults str= uggle with hypersensitive teeth, meaning they are sensitive to hot and = cold temperatures, very sugary or acidic foods and drinks and vigorous = tooth brushing=2E This kind of sensitivity is often called "dentin hype= rsensitivity=2E" Dentin is the tissue that makes up the core of each tooth=2E Above the = gum line, dentin is protected with a coating of enamel=2E Unfortunately= , as enamel is worn away or decayed, dentin becomes exposed and recepti= ve to sensations that cause painful nerve responses=2E This can also oc= cur as the result of receding gums, a common symptom of gum disease=2E So, what causes sensitive teeth? A number of things may be to blame=2E = Over-zealous brushing with a firm bristled tooth brush or abrasive toot= hpaste can lead to dentin hypersensitivity, as can gum disease, which i= s the result of poor brushing and flossing habits=2E Your diet may also= play a role, as frequent consumption of acidic foods and drinks can ch= emically dissolve tooth enamel=2E Finally, abnormal wear on tooth surfa= ces from chronic clenching or grinding of teeth, nail biting and chewin= g on hard objects can lead to sensitive teeth=2E=20 If you're already suffering from overly sensitive teeth, there are prod= ucts that can help=2E Toothpaste designed for those with sensitive teet= h can reduce the pain associated with the condition after only a few da= ys of use=2E Also, be sure to stick with a soft-bristled toothbrush - h= ard toothbrushes will only exacerbate the problem=2E Brush and floss da= ily to maintain healthy gums and protect dentin from exposure=2E Your continued good health is always our primary concern, so please con= tact my office at (818)785-8388 or drz@dentistsherwood=2Ecom if you're = suffering from hypersensitive teeth, another dental ailment, or are jus= t due for your regular check-up=2E We'll take great care of you! Best Regards, Dr=2E Julian H=2E Zhitnitsky P=2ES=2E If you have any friends or family members who you feel could u= se our services, please don't hesitate to have them call us=2E We'll be= sure to take good care of them=2E From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 13:27:48 2008 Return-Path: Delivered-To: isp@FreeBSD.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id 3CF0616A417; Fri, 4 Jan 2008 13:27:48 +0000 (UTC) (envelope-from freebsd@levsha.org.ua) Received: from expo.ukrweb.net (expo.ukrweb.net [193.125.78.116]) by mx1.freebsd.org (Postfix) with ESMTP id EBB4113C4D5; Fri, 4 Jan 2008 13:27:47 +0000 (UTC) (envelope-from freebsd@levsha.org.ua) Received: from levsha by expo.ukrweb.net with local (Exim 4.68 (FreeBSD)) (envelope-from ) id 1JAm63-000Cgg-Mw; Fri, 04 Jan 2008 14:56:23 +0200 Date: Fri, 4 Jan 2008 14:56:23 +0200 From: Mykola Dzham To: Andrew Pantyukhin Message-ID: <20080104125623.GS1266@expo.ukrweb.net> References: <20080103090847.GK96716@amilo.cenkes.org> Mime-Version: 1.0 Content-Type: text/plain; charset=us-ascii Content-Disposition: inline In-Reply-To: <20080103090847.GK96716@amilo.cenkes.org> X-Operating-System: FreeBSD/5.4-RELEASE-p6 (i386) User-Agent: Mutt/1.5.6i Cc: questions@FreeBSD.org, isp@FreeBSD.org Subject: Re: console server using a modern 1U box X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 13:27:48 -0000 Andrew Pantyukhin wrote: > What are the options? Should we go the USB->RS232 way or are > there PCI Express or PCI-X multiport cards supported by FreeBSD? > This is a telecom-ish environment, so ease of rackmounting is a > plus (consumer USB stuff is thus a PITA for us). > > Any comment will be appreciated! Cisco 2511 -- Mykola Dzham, LEFT-(UANIC|RIPE) JID: levsha@jabber.net.ua From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 13:46:44 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id ABC6916A419 for ; Fri, 4 Jan 2008 13:46:44 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from ag-out-0708.google.com (ag-out-0708.google.com [72.14.246.240]) by mx1.freebsd.org (Postfix) with ESMTP id 333E513C4FF for ; Fri, 4 Jan 2008 13:46:44 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by ag-out-0708.google.com with SMTP id 31so1413332aga.3 for ; Fri, 04 Jan 2008 05:46:43 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=mEOeADkpRBFYImGqXEY93z4Gc4NSzF6CYKuFb5My73U=; b=l+qRC4lifXtKrG+AEEWTo08FZTtSXklfb+/lXznFgPQkL+WOpuUdLbi+ouQttyNlGo/0fIUepbstnmZwyRHXkBMleg2JEZNow4OPsSDUHfqMoSL4/+YWwZf5WKXBFfqxbLGt5eSNUxIJm0dUZn8eereQNQWBbsBxWvGlZNDeQMk= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=EumRhOgCEls3Z1PDH515K5nL9G7bv6ouPlyq9H4aowMTaGRfNednE6yuBy8tilezBSjBP+I+D68ceCpZcduSiBgwUWqHVibUr0PgIQK1MM+3Q2ubI6g9gOsBfLlq2Rg0D4Rky90K7zDyETiplyKCOWVJdoKXs0kU3qSHzXpqwoQ= Received: by 10.150.155.1 with SMTP id c1mr2725664ybe.155.1199454403201; Fri, 04 Jan 2008 05:46:43 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 05:46:43 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 15:46:43 +0200 From: "Super Star" To: freebsd-isp@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=WINDOWS-1252 Content-Transfer-Encoding: quoted-printable Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Andrew Vaughey, Mortgage Info You Can Actually Understand! X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 13:46:44 -0000 Andrew Vaughey, Mortgage Info You Can Actually Understand! This is a great time to Refinance Your Home or Buy a New Home -- the Mortgage Rates are so low, these days! It's always worth a shot to find out what the costs of switching over to a new mortgage would be, to see if that's the right move for you. Whether you are building your own house, buying a new property, gathering funds to do a renovation project, or Refinancing your current Mortgage at a much Lower Rate, you'll be looking for Funding -- Money, Money & More Money= ! Here are some commonly asked questions regarding funding for a Mortgage or = a Home Improvement Loan. Where should I go first to get a Mortgage? You can go to the Loans Department of your regular bank, or you can go directly to a Mortgage Broker. (Click on the Mortgage Company Ads on www.buildyourownhouse.ca to see if that's the easiest way for you to get th= e money you need... At the very least, it'll tell you how much you're qualified for, and the on-line Lenders have Rates the Banks have a hard tim= e competing with. It's all about Saving Money, so check into it all, first -- it's a big financial decision! You can always take your information you've gotten On-line to the Bank -- if they can't or won't match it, there's your decision right there! ha,ha!). Keep in mind that it is generally easier to work with a Broker, since they have the ability to be a lot more flexible than a conventional bank. Also, their rates will often be considerably lower than what the banks are offering, too, so shop around =96 this could save you a fair bit of money. Brokers can often get a mortgage for clients that a bank won't even touch, and they'll do it at your convenience, for the most part, so you can have a more relaxed meeting with them. What questions will a Broker ask somebody who's looking for a Mortgage? There are three main things you will be required to provide: i.Verification of Income ii.How much and where the Down Payment is coming from iii.Personal information for Credit Checks (Birthday, Social Security Number, Address, Job Letters, Pay Stubs, 3 years worth of Tax Returns, 3 months worth of Bank Statements, any current Retirement Savings Funds... ) Your Banker or Broker will want to confirm your ability to qualify by doing a GDS Ratio (Gross Debt Ratio) and a TDS Ratio (Total Debt Ratio). A Gross Debt Ratio is determined by taking the Mortgage Payment, the Property Taxes, and a Heat Component (really hot areas will be exempt from this, I'm guessing!), which is usually around $50.00. These numbers are added together. That number is multiplied by 12, then divided by your Gross Income Amount. This number can't exceed 32% of your Gross Income. Some bank= s &/or brokers may have different criteria, but this is a commonly used metho= d to see if a client can qualify for a mortgage. The Total Debt Ratio takes the above information (the GDS Ratio) along with all other debts and payments (whatever else you have to pay per month =96 credit cards, support payments, etc.) to make sure that the Grand Total of all of your payments, including the new mortgage and taxes, won't exceed 40= % of your Gross Income. N.B. Don't get too hung up on the math =96 that's the job of the banker or broker. This is just info to give you a good understanding of how they get their numbers. What if someone has a job that is technically referred to as "Part-time", but they make a "Full-time" wage. Can they qualify for a Mortgage? You can apply through a Mortgage Broker (probably your best bet) to see how much your Gross Income will allow you to qualify for. It is particularly beneficial if you have a solid work history (have been at the job for a few years, or more). A Broker will know how to present the documentation to hel= p you get a mortgage. This is particularly important, now, since so many companies and Government Services hire 'Part-time' or 'Contract' employees. These can be career positions, and you can be there for fifteen years, and still be flatly turned down by the regular banks. Don't give up on your dream to own your own home because you're in a situation like this =96 call= a Mortgage Broker, and give it a shot. If that still doesn't work, try anothe= r one. What's the harm? At the very least, you can get an honest answer of what you need to do in order to become qualified. Either way, you'll be tha= t much closer to owning your own place, and that's the goal! Is there an easy way to calculate a Mortgage? There's a formula that I use that is relatively accurate, give or take a hundred dollars, or so. At the very least, you'll get a ballpark idea of your monthly payment (not including the Tax portion), and whether you can qualify for that amount. Remember that when you're qualifying for Mortgage money, if you're even $80.00 over what they think you can pay, you won't ge= t the mortgage. It's best to Pre-Qualify for a mortgage, and ask how much you will qualify for before you go house-hunting. Keep in mind that as the Interest Rates get lower, the more you'll be able to qualify for. Don't go crazy, though, since all the costs go up as you increase in house size, and the monthly operating costs might end up being higher than you thought, the= n you've got a big house and a crappy lifestyle. Stay within your means; stay happy and comfortable. The Formula =96 remember, it's a ballpark number... On a 25 year Term, you would take the Percentage Rate (say, 5%) and multipl= y that out by the number of thousand (say, $100,000.), which would give you a mortgage payment of about $500./month (5 X 100 =3D $500.), plus Taxes. So i= f you've found a house for $165,000.00, and the rate is 5%, (based on a 25 yr= . Term), the payment would be around $825.00, plus taxes, per month. (5 X 165 =3D 825) We use this formula all the time =96 it's functional to see if you can even come close to being able to afford a particular property. If you always fin= d yourself looking at the properties worth $300,000., when you can actually afford a $75,000. property, do the math, figure out what you can really buy= , and get that. It's better to buy something already in your range, save your money, wait until your place has gained in equity, then make the move up. Have your Broker or Banker let you know how much you can spend, and have that up-dated every year, or so, depending on how long it takes you to find a place to purchase, especially when the rates are fluctuating so much. Also, your Broker will tell you the exact payment. Can I qualify for a Mortgage based on the lowest rates out there? Different Lending Institutions will have different rules, but you will generally have to qualify under their 3 Year Rate, which will be higher tha= n the lowest rates available. Some institutions will use the 5 Year Rate (primarily regular banks). What's the difference between an Open and a Variable Rate Mortgage? An Open Mortgage is one that can be paid out at any time, but you will pay = a higher Rate for this privilege. This is a good choice if you're not sure ho= w long you'll be staying in the home. You'll save on the possible Penalty Payments you would have to pay if you had a Fixed Rate Mortgage, and had to move before the pre-chosen Time Period had elapsed. A Variable Rate Mortgage (my favorite!) is not fully Open, but it can easil= y be converted into an Open Mortgage, so you would still save on any potentia= l Penalty Payments. With this Mortgage, you'll usually get better than Prime Rates, and the flexibility to move if something better comes along... ! The other thing I really like about this one is that you can usually make payments directly on the Principle, which will reduce your mortgage faster than almost any other method. Your monthly mortgage payment will be as low as possible, so with the extra money that you might have kicking around, pu= t it in a Savings Account, then make the payments annually (or more =96 ask y= ou Broker how often and when you can pay off the Principle). One thing about this type of Mortgage that might seem off-putting, initially, is the fact that the interest rates actually fluctuate within th= e mortgage. This is not necessarily a bad thing, especially if the rates go down after you've established the mortgage. The important thing to remember is that the amount you pay per month will always be the same =96 the only thing that changes is the amount that will come off the Principle. If interest rates start to rise, make an extra effort to set aside some money to pay directly to the Principle. My biggest Financial Pet Peeve is the whole notion of making two payments per month (or Bi-Weekly Payments) that are really high in an effort to pay off the Mortgage faster (usually a 15 year term). This drives me crazy, since it often puts a lot of unnecessary financial pressure on a family. That's a lot of money to come up with in a month, and if disaster strikes, they'll be in serious trouble very quickly. I always think that it's better to establish the lowest possible monthly expenditures, then if you still have a big wad of cash left over, great =96 put that toward the mortgage. Using the Variable Rate Mortgage will give you the lowest mortgage payment. Here's a quick example: If you have a mortgage of $100,000. @ 5% (using a 2= 5 Year Term), using the Variable Rate Mortgage, your monthly payment would be about $500/month, plus taxes. If you have the same mortgage in a Fixed Rate Mortgage (also a 25 year term), @ 6%--remember that the Variable Rate is lower =96 the monthly amount would be about $650, plus taxes. (Note that a Fixed Rate Mortgage is calculated differently from a Variable Rate Mortgage= ) If you were to sign up for the two-payment a month plan, that's $1300/month= . The spread ($500/month to $1300/month) is $800. Multiplied out by a year is $9,600 =96 that would be a huge Lump Sum Payment directly on your Principle= . Keep in mind that only a tiny amount of your regular monthly mortgage payment goes toward the Principle in a new mortgage =96 have a good look at your Statement, the next time it comes in. Even if you were to put half tha= t amount on the Principle, you would still be making a major dint in it. And your financial life won't be so stressful, which will make the rest of your life much nicer, too, since financial stress is one of the leading causes o= f divorce, but that's a whole other story... What's a Fixed Rate Mortgage? A Fixed Rate Mortgage is a mortgage that will have the same rate for the amount of years you have chosen to lock in at. Typically, there are 1 Year, 2 Year, 3 Year, 5 Year, 10 Year, 15 Year, and 25 Year time periods. If you choose to move before the time period is up, you will be required to pay a Pay Out Penalty, so keep that in mind if you're not completely sure how lon= g you'll be there. What's the best way to get money for a Home Renovation Project? Check first with the Financial Institution that's carrying your Regular Mortgage. They may be able to provide the money you need to renovate. You could borrow on your Equity (the spread between how much you owe for the property and its current appraisal rate) in the form of a Home Improvement Loan or a Home Equity Loan. Keep in mind that you can use a Home Equity Loa= n for other stuff, as well. Your bank should be able to offer you a Blended Rate, and should waive the Pay Out Penalties. If they won't offer that, or give you any loan, call a Broker, and see what they can do. They're not miracle workers, but they can often help when the regular route won't come through for you. The easiest way these days is to check out companies on the Internet. You'l= l get your response a lot faster, and probably get a better rate, too! I'll find some for you and post them here! The bank wants to do an Appraisal on my house before they'll give me a Home Improvement Loan. Is that standard? Yes. (You'll need this for the Home Equity Loan, too.) The financial institution needs to know the current value of your home to make sure that their backs are covered. Makes sense. You will probably have to get a 'Before and After Appraisal', quotes from the respective contractors to sho= w proof of renovation, and a description of the type of renovations you're planning. It's much easier to borrow against the Equity, so try this route, first. Talk to your Lender before you get too involved to see what you can actually get, and when. If you have to pay for the whole job out of your ow= n pocket first (as is often the case, which is craaaazy, since if you had the cash just sitting there, you wouldn't be at the bank, anyway... .ah, the jo= y of financing!), make sure that you find a source for material that will provide a payment plan (many home improvement stores will do this), and a contractor who doesn't mind being paid at the end of the job when you're money comes in. N.B. Just a little aside =96 I've seen some 'warnings' out there that you should nevah', evah' pay your contractor up front or in the middle of a job= , or only pay them when you are 'completely satisfied'. Please. There are som= e people who are never satisfied with anything, even if they get exactly what they requested. This is such complete crap. You would never work for an employer for a year, then at the end of that year, he would sit back and decide whether he should pay you. That's crazy. Be smart about it, though. Get everything in writing, both of you agree to it, then sign the quote. Yo= u will often be required to pay for materials up-front, since the contractor doesn't know you anymore than you know him... Generally, you will make payments as the work progresses, which is easier than getting one big bill at the end, but if you have extenuating circumstances (like the bank won't give you the money until the end of the project), then tell your contractor that at the beginning. All projects work more smoothly when there's open an= d complete communication. How do you get a Builder's Loan? Apply for a Builder's Loan the same way you would apply for a regular mortgage. If you are a new Builder, you may require a 'New Home Warranty' o= n the property. That's pretty difficult, if it's your first house, so you may be calling a Broker right away! They're usually more flexible in getting yo= u the capital you'll need to bring the house to fruition, but if you already have a good relationship with your banker, give them a crack at it. This might be easier in a rural area, where it is more common for people to buil= d on their own, so the financial institution will already know how to manage this scenario. When will we get our money? The money is separated into 3 or 4 sections, or 'Draws'. Generally, you wil= l get the funding in Three Stages: i.Sub-floor ii.Lock Up iii.Completion Can we get money to get to the Sub-floor Stage? This is where careful and creative financing comes in... hopefully, you'll have that swack of cash in the bank (at least twenty thousand), and a fair bit of equity in your home. You'll probably need to sell your current property before you start building your new house, so you can use the equit= y spread from that sale to get the new house started. If your land is already paid for, you'll find this stage easier. Some Developers will allow a new builder to put 5% down on the land, then they can pay the balance when the mortgage money comes in. This is relatively rare, so if you find this deal and like the location, go for it. Talk to your Excavator, Foundation Contractor and Framer to see if you can make partial payments until the First Draw comes through. They're in the business, so they'll understand your situation. A lot will depend on how busy they are and the relationship you establish with them. Some Suppliers (lumber, ICF Blocks, etc.) may have a payment schedule, too, so it doesn't hurt to ask if you need to. A Personal Line of Credit from the bank, along with your regular credit cards (again, if you have an Air Miles credit card, now is the time to use it -- you'll really rack up the points, then you can take a well deserved trip at the end of your house-building adventure!), personal loans, etc. will all come into play, now. You might want to make sure you have an alternate source of funds for a 'just in case' scenario. It's best to plan out all the possibilities before you get started so that nothing will catch you off-guard. What kind of Appraisals will the Bank do? First, the Appraiser will inspect the Land, the House Plans, and your Proposed Budget. The amount of money provided for the Builder's Loan will b= e based on the Cost to Complete the house, not including the value of the land. The Land will be included with the final appraisal for the Completion Mortgage (Take Out Mortgage). The Appraiser will come out to your property to do Progress Inspections at the Three Stages =96 Sub-floor, Lock-up and Completion. You should anticipa= te a one to two week waiting period for the Draw Money to come through. During that time, the bank will most likely have a lawyer check the Title each time. It's an involved process, but it does work, so stick with it and figure it out! Remember that if one institution can't get you the money, try a Broker or two... eventually, it'll all work out! One more thing -- What is Escrow??? I know, you hear that all the time! It'= s that seemingly very long period that your Lawyer holds onto your money whil= e all the conditions are met on the House Deal. Make sure you ask your Lawyer for a good idea of the time-frame you might expect, and be sure not to leav= e yourself too tight (moneywise!) during this annoyink period! Just so you know, a Real Estate Lawyer will be very pleasant to deal with ... they don't seem to deal with a lot of animosity, like many other types of Lawyers, and that probably accounts for their serene expressions! ha,ha,ha! They're there to help you get into or out of your home, so don't worry -- it won't hurt a bit! Ailsa Forshaw is a Writer, Builder, Website Owner & Manager, Teacher, Mother... all in Alberta, Canada. She is Married with Two Lovely Children, and one gorgeous wee dog. Her Website, , is chock full of all sorts of useful & fun information to help anyone become Financially Successful, Slim= , Trim, and Happy... what more could you want?? Pop in for a wee visit! From owner-freebsd-isp@FreeBSD.ORG Fri Jan 4 13:50:46 2008 Return-Path: Delivered-To: freebsd-isp@freebsd.org Received: from mx1.freebsd.org (mx1.freebsd.org [IPv6:2001:4f8:fff6::34]) by hub.freebsd.org (Postfix) with ESMTP id E5DB916A421 for ; Fri, 4 Jan 2008 13:50:45 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: from ag-out-0708.google.com (ag-out-0708.google.com [72.14.246.249]) by mx1.freebsd.org (Postfix) with ESMTP id A24A113C459 for ; Fri, 4 Jan 2008 13:50:45 +0000 (UTC) (envelope-from candyshop999@gmail.com) Received: by ag-out-0708.google.com with SMTP id 31so1413789aga.3 for ; Fri, 04 Jan 2008 05:50:45 -0800 (PST) DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=gmail.com; s=gamma; h=domainkey-signature:received:received:message-id:date:from:to:subject:mime-version:content-type; bh=/oFZuKU4wx6jHOh4dh+o2V4G/yBumxq8a3EYCOgIKOg=; b=CxQarNDIZX3V6J8+AQE4+HVB1hUsfYZTWlnWRmSZrYoKS52BLouy5nzgMcmklsgedoIFu1dW2DrsqfKQn8UeQg7Glesu2wCAwO5t/mZMCFJIQKH/EbKTy4zBnXPJHsPHPBRMM7GytBK3ayDSwUxrKfR2maR6d0lFwlnacoHLAIE= DomainKey-Signature: a=rsa-sha1; c=nofws; d=gmail.com; s=gamma; h=message-id:date:from:to:subject:mime-version:content-type; b=meXfAMVN7OvWXMbBJkA2G4ATkkvgjaXZQDOxUWagJoEtkppm3MFIa4ilZUbu/Uc2TbpUAQHhueqBuVaogzUuM8FWSid3Bu+Oifrk1LRLUU1BTgXLxdFS9SiyPDiRxRjFV8/6d5Sjhy7pel5+jr1Kx32TakxMLzAUpP5BDO9b0N8= Received: by 10.150.195.21 with SMTP id s21mr472093ybf.9.1199454645427; Fri, 04 Jan 2008 05:50:45 -0800 (PST) Received: by 10.150.156.8 with HTTP; Fri, 4 Jan 2008 05:50:45 -0800 (PST) Message-ID: Date: Fri, 4 Jan 2008 15:50:45 +0200 From: "Super Star" To: freebsd-isp@freebsd.org MIME-Version: 1.0 Content-Type: text/plain; charset=WINDOWS-1252 Content-Transfer-Encoding: quoted-printable Content-Disposition: inline X-Content-Filtered-By: Mailman/MimeDel 2.1.5 Subject: Douglas Della Toffalo, Choose & Use the Best Colors, The Psychology of Color X-BeenThere: freebsd-isp@freebsd.org X-Mailman-Version: 2.1.5 Precedence: list List-Id: Internet Services Providers List-Unsubscribe: , List-Archive: List-Post: List-Help: List-Subscribe: , X-List-Received-Date: Fri, 04 Jan 2008 13:50:46 -0000 Douglas Della Toffalo, Choose & Use the Best Colors, The Psychology of Colo= r Are you using the best colors for your web site? Many web designers often overlook the issues of color in web design. When choosing colors for your web site there are three main areas that should be addressed. 1) The psychological effect of colors, 2) The effect on the readability of your site, and 3) The complementary choice of colors for your background, graphics, links, and text These are all areas that must be well satisfied to create an effective and professional web site. Listed below are a few characteristics of color that should always be considered when designing your graphics. =D8 Colors have an effect on our emotions within 90 seconds of viewing. =D8 Color choices can motivate, impress, and persuade your prospect to buy from you. =D8 Colors not only intensify the item, they greatly influence our behavior= . =D8 The effects of color differ among different cultures. =D8 Color choices alone are sending a specific message to your viewers. Given the fact that people respond more to non-verbal cues than verbal cues= , it's all-important that you choose the corresponding colors for the emotional trigger you want to trip. The following colors are associated wit= h certain emotions or qualities in North American culture. White - Suggests truthfulness, purity, clean, devotion, mild, and contemporary. White is the best color for a background color on the web. Fo= r business it can be refreshing and sterile. Black =96 Suggests elegance, boldness, power, authority, seductive, evil, sophistication and classic. Black is the ideal choice for text on a light background. It is hard on the eyes when used as a background on web sites. Red =96 Suggests strength, sex, excitement, passion, speed, danger, aggressiveness, and demands attention. In business it is associated with debt. Red is the most emotionally intense color. It stimulates a faster heartbeat and breathing. Blue =96 Suggests security, trust, reliability, coolness, faithfulness, belonging, and dignity. Blue is the most popular color. It is the second most popular color. In business it suggests fiscal responsibility and sanctuary. Green - Suggests abundance, health, fertility, freedom, healing, nature, growth, jealously, and cool. In business it suggests status and wealth. It is the easiest color on the eye. Brown =96 Suggests effectiveness, politeness, richness, and helpfulness. Br= own is the color of earth, and is abundant in nature. Gray =96 Suggests earnestness, authority, and practicality. In business it suggests traditional and conservative. Pink =96 Suggests softness, sweet, femininity, well-being, innocence, and nurture. Purple =96 Suggests dignity, spirituality, royal, luxury, wealth, authority= , mournfulness, and sophistication. In business it is upscale. Purple is favored by the artistic. Orange =96 Suggests playfulness, pleasure, cool, warmth, cheer, vibrant, strength, endurance, and ambition. Yellow =96 Suggests sunshine, warmth, cheer, happiness, cowardice, and jealousy. In business it is appealing to intellectual types and is good for accents. Yellow enhances concentration, increases metabolism, and is the most difficult color for the eye to take in. Gold =96 Suggests expensive, and prestige. Silver =96 Suggests cold, scientific, and prestige. Whenever you begin to choose your colors, think about your target market. What emotions do you want to evoke? Give some thought to the current emotio= n of your prospect and to the message you want to send. Then choose your colors.