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Published: October 13, 2005 Credit CardsWhat You Need To Know Most people use credit cards—but do they know the terms of the agreement they have with their card issuer. This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions, and avoid fees and penalty rates. Companion pieces include a training manual, training guide and PowerPoint slides. Credit Cards - What You Need To Know Languages Available * English * Spanish * Chinese * Vietnamese * Korean Table of Contents * Introduction * Types of Cards * Card Offers * Card Terms and Conditions * Avoiding Credit Card Fees Introduction Credit is a valuable and necessary financial tool. It can help you establish a credit history, make purchases conveniently, and take advantage of the benefits and services offered by credit issuers. Not managing your credit wisely can lead to:* Increased annual percentage rates (APRs) * Unnecessary fees * A decline in your credit score * Denials of future credit All of these negative consequences can be avoided. The information in this brochure will help you: * Understand the different types of cards available. * Sort through offers to choose the card that's right for you. * Understand credit card terms & conditions. * Avoid fees and penalty rates. * Know where to go for more information and assistance. Types of Cards Credit Cards* Revolving credit line * Pre-set credit limit * Pay charges in full, pay the minimum due or make a partial payment Charge cards * All charges due in full every month * No interest charged * No pre-set spending or credit limits Secured credit cards * Guaranteed by money deposited in an account * Credit limit equals the amount of the deposit Sub-prime credit cards * Low credit line, large upfront fees, high interest rates * Marketed to people with lower credit scores Prepaid or stored value cards * “Loaded” with funds using cash, debit or credit card * Value reduced as card is used * Can be “reloaded” to add more money * No interest charged * Initial fees to buy and load the card, subsequent fees to reload Card OffersThere are two types of card offers – pre-approved and invitations to apply. These offers come in the mail, by telephone, online, and in-person at some retail stores. Pre-approved offers are made based on your credit history. Federal law requires that these contain a firm offer of credit. The only exception is if you have experienced a serious decline in creditworthiness since the offer was made. Invitations to apply simply ask you to apply for a card. This does not require a firm offer of credit. To compare basic terms on card offers, look for a box listing interest rates, the grace period and annual fee, among other information. This box, required by law, is often headed with the words “disclosures” or “summary of terms” Before responding to any offer, you should know that:* Not all terms are included in the initial offer. Important information can be found only in the “cardholder agreement” that will be sent with your new card. * You may not qualify for some offers you receive. Once you apply, you may be offered less favorable credit terms.* Card offers often state: “You have been approved for a credit line of up to $100,000.” The key words are “up to.” When you apply, you won’t know how much credit you will receive. The company can, and often will, give you a lower credit limit.* “No annual fee” offers may require you to make a minimum number of purchases using the card or you will be charged an “inactivity fee, similar to an annual fee. * A “fixed introductory rate” is fixed, but only for the introductory period, such as six months. The rate will change after that time and may even become a “variable rate.” * Fixed interest rates can change at any time after a 15-day change-in-terms notice. Fixed rates can also change if you pay late or do anything else to expose yourself to a penalty rate increase – for example, making a late payment or bouncing a check. * Many offers include the opportunity to transfer a balance from another card without paying a fee. Ask if you can wait until you get the card to transfer a balance. If the balance you want to transfer is higher than the credit limit on your new card, the company will only transfer a portion of your balance, leaving you with a balance on the old card.
*Sometimes you can find secured credit cards that don’t charge application fees. Account reopening fee: Charged if your account is closed or cancelled by the issuer and you ask to have it reopened. TIP : Pay your bills on time to avoid card cancellation and an account reopening fee. Balance transfer fee: Charged for transferring a balance from one card to another, this fee is commonly assessed as a percentage of the balance transferred. TIP : When you apply for a new card, ask about balance transfer fees. Most companies don’t charge these fees to new cardholders for the first month or two. Bounced check or returned item fee: Charged if your check bounces. TIP : Make sure you have sufficient funds in your bank account to cover your check. Cash advance fee: Charged as a percentage of the cash advance, with minimum charges common. TIP : Cash advances are an expensive way to get cash. Not only do you pay a fee, but interest on cash advance balances begins to accrue immediately. Instead, use your ATM or debit card to withdraw cash from your checking or savings account at ATMs. Foreign currency conversion fee: Charged when you make purchases overseas and the charges have to be converted to U.S. dollars. TIP : If you plan to use a card while traveling outside of the U.S., shop around to find a card with a currency conversion method that is favorable to you. Late fee: Charged if your payment is late, sometimes even if it is received on the due date after a certain hour. TIP : Always pay your bill on time. If you send your payment by mail, allow at least seven days for the payment to reach your issuer. Consider other payment methods, such as online bill pay, pay-by-phone or automatic payments. Ask if your issuer offers e-mail reminders. Pay-by-phone or computer fees: Charged by some companies to pay your bill by phone or computer. TIP : Avoid last minute, fee-based payment methods. Look for online bill pay, pay-by-phone or automatic payments that do not carry a fee. Over-the-credit-limit fee: Charged if you go over your credit limit. TIP : Know your credit limit. Call your card issuer in advance if you need an increase. Ask your issuer if it has free e-mail services that alert you when you are approaching your credit limit. Statement copy fee: Charged for extra copies of monthly statements. TIP : File statements for the past three years in a secure location. If you sign up for online access to your accounts, you can download your statements and keep them in your computer. Stop payment fee: Charged when you stop payment on a credit card convenience check. TIP : Be cautious about using convenience checks. If you write one and it is lost, you may not be able to avoid this fee. Wire transfer fee: Charged when you use your card to transfer money or when you buy money orders, lottery tickets or casino gaming chips. TIP : Pay for these services with a personal check or cash. Links from Article * www.bankrate.com * www.cardweb.com * www.cardratings.com * www.ftc.gov * www.federalreserve.gov/consumers.htm * www.americanexpress.com For More Information Bank Rate (www.bankrate.com) Bank Rate provides free credit card tips and rate information. Consumer Action (CA) (www.consumer-action.org) CA’s site features free credit card surveys with interest rates, fees and other terms for dozens of credit cards, as well as free brochures and guides on choosing and using credit cards in Chinese, English, Korean, Spanish and Vietnamese. CA also provides consumer advice and suggests appropriate complaint-handling agencies. Leave a message and a counselor will call you back. Chinese, English and Spanish spoken. 415-777-9635 and 213-624-8327, TTY: 415-777-9456; e-mail: hotline@consumer-action.org. Card Web (www.cardweb.com) Card Web lists credit cards and offers e-mail newsletters for consumers, answers to frequently asked questions and online credit card calculators. Card Ratings (www.cardratings.com) Card Ratings lists and reviews credit cards and offers tips and credit card calculators. Federal Trade Commission (FTC) Sometimes cards have low introductory rates that are good for balance transfers or purchases or both. In this case, your payments are typically allocated first to the balances with lower APRs. Higher interest balances are paid down only after balances with lower APRs. Sometimes the low balance transfer rate comes with a requirement that you must make a minimum number of new purchases each month. If you have any questions about a credit card offer, check the company’s website for more information or call the company’s toll-free number before you apply. Card Terms and ConditionsWhen you receive your new card, you will also receive a “cardholder agreement,” a legal contract between you and the card issuer. By using your new card, you agree to honor the terms and conditions in the agreement. Terms and conditions in the cardholder agreement can change at any time. Changes are usually sent to you by mail. When you use your card after receiving the notice of changes, this means you have accepted the changes, even if you didn’t read the notice. Read everything your card issuer sends. Save your cardholder agreement in a file that is easily accessible, so you can refer to it when you have questions. Annual percentage rate (APR):A card’s interest charge, expressed as a yearly rate. Variable rates: Interest rates that change according to a set formula, such as Prime Rate + 3%. If your card has a variable rate, the APR changes when interest rates change. Fixed interest rates: The set APR on your card, which can change only when you receive 15 days notice. Default or penalty rate: A higher interest rate charged if you pay late, bounce a check or your credit gets worse. Also charged by some card issuers if you pay late on credit cards or loans with other banks. Cash advance APR:The interest rate you pay when you use your card to get cash. Most cards charge a higher interest rate for cash advances than for purchases. Daily periodic rate: Your APR divided by 365 days. Arbitration: A form of dispute resolution that is often binding with no right to appeal. Arbitration provisions may prevent you from suing the company in court or participating in class action lawsuits. However, some companies allow you to take your case to small claims court if the amount you are disputing is within the small claims limit. Balance transfers:The ability to transfer the balance from one card to another. If applicable, interest on balance transfers begins to accrue immediately. Convenience checks:Checks linked to your credit card account. They can be used to transfer a balance from another card or to make purchases or payments. Double-cycle billing:The calculation of your interest considering your average daily balance over a two month period, which may result in additional finance charges. Grace period:Period in which finance charges do not accrue if you are not carrying a balance. Minimum monthly payment: The lowest amount that you are required to pay the credit card company each month. Payment due date: The last day that payment can be accepted without penalty. Your payment may be required to arrive by a deadline on the due date, such as 1 p.m. Prime Rate:The “index” most commonly used to determine variable interest rates. It can be found in the business section of your newspaper or online. Avoiding Credit Card Fees You can avoid fees by carefully managing your account. Here are common fees and tips on how to avoid them: Annual or monthly fee:Common on charge cards, rewards and airline miles credit cards and on secured and sub-prime cards. Sometimes applied if you don’t use your card at least a few times during the year. TIP : Consider the overall value when comparing fee and no-fee cards. If you are thinking about getting a rewards or airlines miles card, make sure the card’s benefits are worth the cost of an annual fee. Application processing fee:Charged on many sub-prime cards and some secured cards when an account is opened. TIP : Secured credit cards are generally much better deals than sub-prime credit cards, and youC) (www.ftc.gov; 877-382-4357) The FTC offers a wide range of free publications on credit and consumer rights. It also accepts complaints from consumers for use in investigating violations, but does not resolve individual complaints. Federal Reserve Board (www.federalreserve.gov/consumers.htm) The Federal Reserve provides a free brochure on choosing a credit card and a guide to credit protection laws. American Express (www.americanexpress.com) Tips on money management, fraud protection, travel and shopping online and more. From the home page, click on “About American Express” and then on “Consumer Resources,” then “Ask American Express.” Consumer Action created this publication in partnership with American Express. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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"How To Approach Any Woman, Anywhere And Know Exactly What To Say To Get Her To Give You Her Number And Go On A Date With You - NOW"
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"Hi Tiff, I'm just writing to let you know that at first I was skeptical. I mean, how can one woman such as yourself know what EVERY woman wants? Surely every woman is different! I was wrong, you've enlightened me! Even though women don't all want the exact same kind of man, they do want certain attributes in every man. Well, I am happy to say, I took the plunge and read your work. Yours is the best dating and seduction guide I have ever read... It's genius! I can't believe that you've ratted on your fellow female race in this way... Chapter 4 really helped me advance my dating skills! My success with women has gone through the roof and I think I have finally figured out just what women really do want! Thank you Tiff, you've changed my life!" S. R. England |
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Intel Pentium M XPC SD11G5 MiniBarebone 915GM Audio Video Gigabit SATA 1.5Gb/s PCIe 220W - Silver
Shuttle
Features:
- Mfr. P#:
SD11-G5-SV-V1 - Model:
SD11G5 - Color:
Silver - Product Type:
Mini Barebone - (No CPU, HDD or memory etc. incld.) - Form Factor:
Shuttle Small Form Factor (SFF) - Chassis Type:
Shuttle - G5 - Material:
Aluminum - Dimension:
8" x 11" x 7" (WxDxH) - Drive Bay:
1 x 5.25"
1 x 3.5"
1 x 3.5" - internal - Front I/O:
2 x USB2.0
1 x 1394
2 x Audio (Mic._In, SPK Out) - Front Control:
Power, Reset buttons - Rear I/O:
1 x VGA
1 x DVI
1 x Composite Video Out
1 x Serial
1 x 1394
1 x RJ-45 Gigabit LAN
2 x USB2.0
1 x 8-CH Audio jacks
1 x Line_In
1 x Optical SPDIF_In
1 x Optical SPDIF_Out
1 x PS/2 KB connector
1 x PS/2 Mouse connector
1 x Clear CMOS button - Exp. Slots:
1 PCI-Express (x16)
1 PCI-Express (x1)
1 Mini-PCI - Power Supply:
SilentX 220W external power adapter - Chipset:
Intel i915GM + ICH6M - CPU FSB:
533 / 400 MHz - CPU Support:
* Intel Pentium M with 533/400 MHz FSB upto 780 (2.26GHz)
* Intel Pentium M LV (low voltage) w/ 400 MHz FSB
{ Pls. always refer to Mfr. WWW for max. CPU speed support } - Mem. Type:
2 x 240-pin DDR2-533/400 support - Mem. Capacity:
Upto 2GB max. - Audio:
Creative 8-CH Audio - VGA:
Intel GMA 900 - Gigabit LAN:
Broadcom 5789 (1-Port) - IDE:
1 x UDMA/100 IDE connector - SATA RAID:
Intel ICH6-M
- 2 x SATA 150 connectors - Floppy Controller:
None - IEEE 1394a:
VIA VT6307 OHCI (2-ports) - Hot Features:
* Intel Pentium M Ready (479-pin)
* Unbuffered DDR2 support (240-pin)
* IEEE 1394 Firewire (400 Mb/s)
* SATA 150 (1.5 Gb/s)
* PCI Express (x16)
* DVI, VGA, TV-Out
* SilentX 220W External Power Adapter
* Gigabit LAN
* I.C.E. Heat Pipe - Gross Weight:
12.7 lbs.
M-17 Black
AG Neovo
M-17 Silver
AG Neovo
M2A-VM AMD 690G AMD Socket AM2 uATX Audio Video DVI-D Gigabit SATA 3Gb/s RAID HDCP (Corporate Stable Model Through April 2008)
Asus
- Product Type:
Motherboard - Mfr. PN / Model:
M2A-VM - Key Features:
- The first integrated VGA MB supports Playback of HD DVD and
Blu-ray Discs with HDCP compliant
- Support Dual-VGA output(DVI-D & RGB) and SurroundView
- Support AMD Socket AM2 CPU
- AMD 690G Chipset
- Integrated ATI Radeon X1250-based graphics
- PCI Express architecture
- Gigabit LAN
- DDR2 800
- 4 x SATA 3GB/s RAID 0, RAID 1, RAID 10 - Form Factor:
Micro ATX ( 9.6" x 9.0" ) - Main PWR Conn.:
24-pin + 4-pin ATX Power Connector - BIOS:
Award BIOS - Chipsets:
AMD 690G + ATI SB600 - CPU Socket:
AMD Socket AM2 - CPU Support:
Athlon64 / Athlon64 FX / Athlon64 X2 / Sempron
- AMD Cool 'n' Quiet Technology
- AMD64 architecture enables simultaneous 32-bit & 64-bit computing
- AMD Live! Ready
{ Please see bottom of the Spec. for detailed CPU support list }
{ For the latest CPU support list, please refer to Mfr WWW } - CPU FSB:
2000 / 1600 MT/s - Memory Slot:
4 x 240-pin DIMM - Memory Type:
Dual channel, Non-ECC/ECC, un-buffered, DDR2 800/667/533
{ To select proper memory for this motherboard, please visit www.valueram.com } - Memory Capacity:
8GB - Expansion Slot:
1 x PCIe x16
1 x PCIe x1
2 x PCI - Storage 1:
1 x IDE 133/100
4 x SATA 3Gb/s supporting RAID 0, RAID 1, RAID 10 - Storage 2:
N/A - Onboard Video:
Integrated ATI Radeon X1250-based graphics
- Maximum shared memory of 256 MB
- Supports DVI-D with max. resolution 2560x1600 (@ 60Hz)
(It may not display 1080p smoothly when playing HD DVD and Blu-ray
Disc due to current version player limit) - Onboard Audio:
ALC883 High Definition Audio 6-channel CODEC
- Supports Jack-Sensing, Enumeration, and Jack-Retasking
- Supports S/PDIF out interface - Onboard LAN:
PCIe Gigabit LAN - Onboard Firewire:
No - eSATA:
No - Rear I/O Ports:
1 x Parallel
1 x PS/2 Mouse
1 x PS/2 Keyboard
1 x DVI-D
1 x VGA
1 x RJ45
4 x USB 2.0/1.1
6-channel Audio I/O - Onboard Connector / Header:
3 x USB 2.0 connector supports additional 6 USB 2.0 ports
High Definition Front panel audio connector
COM port connector
CD audio-in connector
1 x S/PDIF output connector
CPU / Chassis/ Power Fan connectors
Chassis Intrusion connector
24-pin EATX power connector
4-pin ATX 12V Power connector - TPM:
NO - RoHS Compliant:
YES - Package Type:
Retail - Gross Weight:
- CPU Support list:
As of March 7, 2007
CPUSince PCBSince BIOS
================================================================================= Athlon 64 X2 3800+ (CZ),512Kx2,65W,rev.F3,SocketAM2 ALL 0202
Athlon 64 X2 4600+ (CZ),1MB,rev.F3,65W,SocketAM2 ALL 0202
M2A-VM HDMI AMD 690G AMD Socket AM2 uATX Audio Video DVI-D HDMI Gigabit SATA 3Gb/s RAID Firewire HDCP
Asus
Motherboard
M2A-VM HDMI
uATX (9.6" x 9.0")
24-pin + 4-pin ATX 12V Power connector
Award BIOS
AMD 690G + ATI SB600
AMD Socket AM2
AMD Athlon64 / Athlon64 FX / Athlon64 X2 / Sempron
{ For the latest CPU support list, please refer to Mfr WWW }
2000 / 1600 MT/s
4x 240-pin DIMM
Dual channel, ECC/Non-ECC, un-buffered, DDR2 800/667/533
{ To select proper memory for this motherboard, please visit www.valueram.com }
Upto 8GB
1 x PCI Express x16
( Slot Occupied by Bundled HDMI/AV/S/SPDIF module when using HDMI )
1 x PCI Express x1
2 x PCI
1 x UltraDMA 133/100
4 x Serial ATA 3Gb/s supporting RAID 0, RAID 1,RAID10
N/A
Integrated ATI Radeon X1250-based graphics / Upto 256 MB
( Dual VGA output supported when using Bundled HDMI/AV/S/SPDIF
module on PCI Express x16 slot )
RGB & DVI/HDMI
DVI & HDMI
TV-out(YPbPr/AV/S) & DVI/HDMI
(Simultaneous output for YPbPr, AV, S, and RGB is not supported)
ALC883 High Definition Audio 6-channel CODEC
PCIe Gb LAN
Supports 2 x 1394a ports
No
1 x Parallel
1 x PS/2 Mouse
1 x PS/2 Keyboard
1 x IEEE 1394a
1 x DVI
1 x VGA
1 x RJ45
4 x USB 2.0/1.1
6-channel Audio I/O
3 x USB 2.0 connector supports additional 6 USB 2.0 ports
High Definition Front panel audio connector
COM port connector
CD audio-in connector
1 x S/PDIF output connector
CPU / Chassis/ Power Fan connectors
Chassis Intrusion connector
IEEE 1394 connector
24-pin EATX power connector
4-pin ATX 12V Power connector
NO
YES
Retail
MSI Platinum DKA790GX Desktop Board
MSI - Microstar
MSI Platinum DKA790GX Desktop Board
AMD 790GX - Cool'n'Quiet Technology - Socket AM2+ - 2600MHz, 1000MHz, 800MHz HT - 8GB - DDR2 SDRAM - DDR2-1066/PC2-8500, DDR2-800/PC2-6400, DDR2-667/PC2-5300 - CrossFire - ATX - Desktop Board
Estimated Retail Price: 189.99
D&H Returns Allowed: yes
Return Period (Days): 30
Manufacturer Warranty: 3 YEARS
Add'l Return Info: Past Exch-Call MSI 626-581-3001 x160
Weight: 4.0
Shipping Depth: 14.0
Shipping Height: 3.5
Shipping Width: 10.75
Master Pack Qty: 5
General Information
Manufacturer: MSI Computer CorporationManufacturer Part Number: DKA790GXPlatinum
Product Series: Platinum
Product Model: DKA790GX
Product Name: Platinum DKA790GX Desktop Board
Marketing Information:
The DKA790GX Platinum Series mainboards are based on AMD 790GX & SB750 chipset for optimal system efficiency. Designed to fit the advanced AMD Athlon 64 / Phenom processor, the DKA790GX Platinum Series deliver a high performance and professional desktop platform solution.
Product Type: Desktop Board
Processor & Chipset
Chipset Manufacturer: AMDChipset Model: 790GX
Total Processor Support: 1
Processor Technology: Cool'n'Quiet Technology
Processor Socket: Socket AM2+
64-bit Processing: Yes
Multi GPU Support: CrossFire
Memory
Number of Memory Slots: 4Maximum Memory: 8GB
Memory Technology: DDR2 SDRAM
I/O Controller
IDE Controller: YesFloppy Controller: Yes
SATA Controller: Yes
RAID Controller: Yes
Audio
Audio Channels: 7.1Network & Communication
Gigabit Ethernet: YesI/O Expansions
Expansion Slots: 2 x PCI Express x162 x PCI Express x12 x PCIInterfaces/Ports
Back Panel Interfaces: 1 x Mini-phone Audio Line In1 x DVI-D1 x HDMI4 x Mini-phone Audio Line Out1 x Toslink S/PDIF Out1 x IEEE 1394 FireWire1 x HD-15 VGA1 x Mini-phone Microphone6 x Type A USB 2.0 USB1 x RJ-45 Network1 x mini-DIN Keyboard/MouseFront Panel Interfaces: 1 x COM11 x Power LED1 x Reset Switch1 x Audio Header1 x CD-in/Aux-in Connector1 x On/Off Switch3 x USB Header1 x Chassis Intrusion Switch1 x HDD LED
Number of IDE Interfaces: 1
Number of SATA Interfaces: 6
Physical Characteristics
Form Factor: ATXDimensions: 11.97" Width x 9.65" Depth
Miscellaneous
Green Compliance: YesGreen Compliance Certificate/Authority: WEEE
Warranty
Standard Warranty: 3 Year LimitedGeneral Information
Manufacturer: MSI Computer CorporationManufacturer Part Number: DKA790GXPlatinum
Brand Name: MSI
Product Series: Platinum
Product Model: DKA790GX
Product Name: Platinum DKA790GX Desktop Board
Marketing Information:
The DKA790GX Platinum Series mainboards are based on AMD 790GX & SB750 chipset for optimal system efficiency. Designed to fit the advanced AMD Athlon 64 / Phenom processor, the DKA790GX Platinum Series deliver a high performance and professional desktop platform solution.
Product Type: Desktop Board
Processor & Chipset
Chipset Manufacturer: AMDChipset Model: 790GX
Total Processor Support: 1
Processor Technology: Cool'n'Quiet Technology
Processor Socket: Socket AM2+
Processor Support: Athlon 64 FXPhenomSempronAthlonAthlon 64 X2OpteronAthlon 64
HyperTransport: 1000MHz2600MHz800MHz
64-bit Processing: Yes
Multi GPU Support: CrossFire
Memory
Number of Memory Slots: 4Maximum Memory: 8GB
Memory Standard: DDR2-800/PC2-6400DDR2-1066/PC2-8500DDR2-667/PC2-5300
Memory Technology: DDR2 SDRAM
I/O Controller
IDE Controller: YesIDE Standard: Ultra ATA/133 (ATA-7)
Floppy Controller: Yes
SATA Controller: Yes
SATA Standard: Serial ATA/300
RAID Controller: Yes
RAID Levels: 50+110JBOD
Audio
Sound Controller Manufacturer: RealtekSound Controller Model: ALC888
Audio Channels: 7.1
Network & Communication
Gigabit Ethernet: YesI/O Expansions
Expansion Slots: 2 x PCI2 x PCI Express x162 x PCI Express x1Interfaces/Ports
Back Panel Interfaces: 1 x Mini-phone Microphone6 x Type A USB 2.0 USB1 x IEEE 1394 FireWire1 x Toslink S/PDIF Out4 x Mini-phone Audio Line Out1 x DVI-D1 x HDMI1 x mini-DIN Keyboard/Mouse1 x RJ-45 Network1 x Mini-phone Audio Line In1 x HD-15 VGAFront Panel Interfaces: 3 x USB Header1 x Audio Header1 x CD-in/Aux-in Connector1 x COM11 x On/Off Switch1 x Power LED1 x Reset Switch1 x HDD LED1 x Chassis Intrusion Switch
Number of IDE Interfaces: 1
Number of SATA Interfaces: 6
Physical Characteristics
Form Factor: ATXDimensions: 11.97" Width x 9.65" Depth
Miscellaneous
Package Contents:- Platinum DKA790GX Desktop Board
- MSI Driver/Utility CD
- Back IO Shield
- Power Cable
- SATA Cable
- IDE Cable
- Floppy Cable
- User Guide
- Quick Guide
Additional Information:
- Key components status hardware monitor
- Monitor the Dual Core CPU each unit status
- Optimize System status define
- Auto speed up with system loading change
Green Compliance: Yes
Green Compliance Certificate/Authority: WEEE
Warranty
Standard Warranty: 3 Year LimitedMSI Radeon HD 4670 Graphics Card
MSI - Microstar
MSI Radeon HD 4670 Graphics Card
Graphics Card - ATi Radeon HD 4670 750MHz - 512MB GDDR3 SDRAM 128bit - PCI Express 2.0 x16 - Retail
Estimated Retail Price: 99.99
Return Period (Days): 180
Manufacturer Warranty: 3 YEARS
Add'l Return Info: Past Exch-Call MSI 626-581-3001 x160
Weight: 1.4
Shipping Depth: 12.8
Shipping Height: 1.9
Shipping Width: 8.5
Master Pack Qty: 10
General Information
Manufacturer: MSI Computer CorporationManufacturer Part Number: R46702D512
Product Name: Radeon HD 4670 Graphics Card
Package Type: Retail
Product Type: Graphics Card
Technical Information
Host Interface: PCI Express 2.0 x16RAMDAC Speed: 400MHz
Maximum Resolution: 2560 x 1600
Digital Signal: Yes
HDCP Support: Yes
Dual Link DVI Support: Yes
Processor & Chipset
Chipset Manufacturer: ATiChipset Model: Radeon HD 4670
Processor Speed: 750MHz
Memory
Standard Memory: 512MBMemory Technology: GDDR3 SDRAM
Bus Width: 128bit
Interfaces/Ports
Interfaces/Ports: 2 x DVIN6200/TD/128
Asus
N6600GT/TD/128M
Asus
P5E-VM HDMI G35 LGA775 uATX Audio Video Gigabit SATA 3Gb/s RAID Firewire (Core 2 1333FSB Support)
Asus
Features:
- Product Type:
Motherboard - Manufacture PN / Model:
P5E-VM HDMI - Form Factor:
uATX - 9.6" x 9.6" - Main Power Connector:
24-pin + 4-pin 12V ATX power connectors - BIOS:
8 Mb AMI BIOS - North Bridge:
Intel G35 - South Bridge:
ICH9R with Intel Fast Memory Access Technology - CPU Socket:
1x LGA775 - System Bus:
1333 / 1066 / 800 MHz - CPU Support:
Intel Core 2 Quad / Core 2 Extreme / Core 2 Duo
Pentium Extreme / Pentium D / Pentium 4 Processors
- Compatible with Intel 05B/05A/06 processors
- Support Intel next generation 45nm Multi-Core CPU
{ For the latest CPU support list, please refer to manufacture website. } - Memory Slot:
4x 240-pin DIMM Slots - Memory Type:
Dual channel non-ECC un-buffered DDR2 800/667 MHz memory
{ To select proper memory for this motherboard, please visit www.valueram.com } - Memory Capacity:
Up to 8GB - Expansion Slot:
1x PCI Express x16 slot
2x PCI Express x1 slot
1x PCI slots - Storage 1:
Southbridge ICH9R
- 6 x SATA 3.0 Gb/s ports
- Intel Matrix Storage Technology supports RAID 0, 1, 5 and 10 - Storage 2:
JMicron JMB368 controller
- 1 x UltraDMA 133/100/66 for up to 2 PATA devices - Floppy Connector:
1 - Onboard Video:
Intel Graphics Media Accelerator X3500 integrated
- Dual VGA output support (HDMI/DVI-D and RGB)
- Full HD 1080p supported via HDMI
- Supports Microsoft DirectX 10, OpenGL 2.0, Pixel Shader 4.0
{ The DirectX 10 driver will be provided by the chipset vendor later. } - Onboard Audio:
Realtek ALC 883, 8-channel High-Definition Audio CODEC
- Support Jack-dectecting, Enumeration, Multi-streaming
- Coaxial S/PDIF out ports at back I/O
- ASUS Noise Filter - Onboard LAN:
Atheros L1 PCI-E Gigabit LAN controllers - Onboard Firewire:
2 ports (1 on back panel; 1 header) - eSATA (SATA-to-Go):
No - Rear I/O Ports:
1 x PS/2 Keyboard
1 x PS/2 Mouse
1 x S/PDIF Out (Coaxial)
1 x D-sub Port
1 x HDMI/DVI port
1 x IEEE1394a
1 x RJ45 port
6x USB 2.0/1.1
8-channel Audio I/O - Onboard Connector / Header:
3 x USB connectors support additional 6 USB ports
1 x Floppy disk drive connector
1 x IDE connector
1 x COM connector
6 x SATA connectors
1 x CPU Fan connector
1 x Chassis Fan connector
1 x Power Fan connector
1 x IEEE1394a connector
Front panel audio connector
1 x S/PDIF Out Header
Chassis Intrusion connector
CD audio in
24-pin ATX Power connector
1 x 4-pin ATX 12V Power connector
System Panel(Q-Connector) - Trusted Platform Module:
NO - RoHS Compliant:
YES - Package Type:
Retail - Gross Weight:
- Overclocking Features:
Precision Tweaker 2
* vDRAM - 33-step DRAM voltage control
* vChipset (N.B.) - 24-step chipset voltage control
* vFSB - 16-step FSB voltage control
* vCPU PLL - 16-step CPU PLL voltage control
SFS (Stepless Frequency Selection)
* vCore - Adjustable CPU voltage at 0.0125V increment
* FSB tuning from 200MHz up to 800MHz at 1MHz increment
* Memory tuning from 533MHz up to 1333MHz
* PCIe frequency tuning from 100MHz up to 150MHz at 1MHz increment - Overclocking Protection:
ASUS C.P.R. (CPU Parameter Recall) - Special Features:
ASUS MyLogo 3 - ASUS AI Lifestyle Features:
* ASUS Splendid - ASUS Quiet Thermal Solution:
* ASUS AI Gear 2
* ASUS AI Nap
* ASUS Fanless Design
* ASUS Q-Fan 2 - ASUS Crystal Sound:
* ASUS Noise Filter - ASUS EZ DIY:
* ASUS Q-Connector
* ASUS O.C. Profile
* ASUS CrashFree BIOS 3
* ASUS EZ Flash 2 - Included Accessories:
UltraDMA 133/100/66 cable
FDD cable
3 x Serial ATA cables
3 x Serial ATA power cable
1 x HDMI-to-DVI conversion adapter
I/O Shield
User's manual
3 in 1 Q-connector - Included Software:
Support Disc includes
- Drivers
- ASUS PC Probe II
- ASUS Update
- Anti-virus software (OEM version)
- Multi-language MB installation guide
Proactive Acne Solution
Guthy Renker
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You're not alone: About 90% of all teenagers develop acne. Acne is starting at even younger ages today as puberty begins earlier. Acne may also start as late as the 20's or 30's, especially in women whose hormones are constantly fluctuating. It's estimated that 1 in 4 adults between the ages of 25 and 44 experiences acne, and nearly half of all adult women experience mild to moderate acne. There's still no cure for acne, with or without a prescription. The secret to controlling acne is PREVENTION - stopping the formation of acne before it becomes a visible pimple. To avoid the risk of permanent scars, it's important to treat acne as soon as the first signs appear. Even after blemishes disappear, you usually must continue to use an effective acne treatment to keep new blemishes from forming. Proactiv Solution is safe and effective for everyone, and it can help prevent blemishes from becoming a larger problem.
Please keep in mind that Accutane is the strongest oral medication available for acne and often can make a dramatic difference. But it may have severe side effects, including depression, liver damage and birth defects if taken during pregnancy. Patients must be under a dermatologist's supervision for the 5-month course of treatment. Proactiv Solution can heal your existing acne, and help stop new blemishes from forming. Its mild formulations gently exfoliate your skin, remove excess oil, and deliver powerful acne-attacking medicine. Proactiv Solution works alone or; when following your doctor's advice, in combination with a dermatologist's prescription. |
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Acne can't be cured, with or without a prescription. Even after blemishes disappear, you must continue to use an effective acne treatment to keep new blemishes from forming. Our expert dermatologists have created a breakthrough way to treat acne safely and effectively. Combination Therapy® uses several different medicines in one system to heal the blemishes you have now and help keep new ones from forming.
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Proactiv Solution is a Combination Therapy® acne management system - it combines prescription-grade ingredients in a system that works together to heal and prevent acne. Developed by two Stanford-trained dermatologists, this unique acne fighting system combines finely milled benzoyl peroxide, sulfur, and our special formulation. These ingredients gently exfoliate your skin, unplug your pores, attack acne-causing bacteria, and soothe inflammation. Many of the acne medications you buy at the store are "spot treatments," designed primarily to get rid of existing acne, one pimple at a time, with harsh creams that can cause redness or irritation. Gentle and effective, doctor-developed Proactiv Solution is designed to be used on the whole face (or acne-prone area) every day. It gets rid of existing acne - and proactively helps prevent future breakouts before they even surface on your skin. And since it's formulated with soothing botanicals like allantoin, panthenol, aloe and chamomile, it leaves your skin feeling healthy and hydrated... instead of dry and flaky. |
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Proactiv Solution's unique formulations work together to knock out acne in 3 easy steps: Renewing Cleanser: gently exfoliates your pores and allows the benzoyl peroxide to penetrate. Revitalizing Toner: helps unclog your pores and remove dead skin cells. Repairing Lotion: allows delivery of benzoyl peroxide deep into your pores to attack acne-causing bacteria at the source. |
| Proactiv Solution also offers a Refining Mask that boosts the effects of your 3-Step System. This cool, soothing formula includes sulfur to refine pores and help heal existing acne more quickly. Work it into your skin care routine 2-3 times per week for even more acne-fighting power! | |
Radeon HD3650 1GB PCIe
VisionTek
|
The VisionTek ATI Radeon HD 3650 enables you to experience the power of HD with graphics processing designed for entertainment and productivity. Experience the next generation of HD game performance and life-like realism thanks to DirectX® 10.1 capabilities and plug-and-play ATI CrossFireX™ multi-GPU upgradeability. Watch the latest Blu-ray and HD-DVD videos in full 1080p HD – and upscale beyond - without placing huge demands on your CPU. Enjoy break-through efficiency from cutting-edge technology and new energy-saving features that help save you money and enable cool, quiet PCs. HD Gaming Technology
HD Video Beyond 1080p
Break-through Efficiency
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SG31G2S LGA775 XPC Barebone G31 Audio Video Gigabit - Silver (Core 2 1066FSB Support)
Shuttle
Features:
- Product Type:
Mini PC Barebone System
- Manufacture P/N / Model:
SG31-G2-SV-V1
- Form Factor:
Shuttle Form Factor - Shuttle "G2" Chassis
- Bezel Color:
Silver
- MB Chipsets:
Intel G31 + ICH7
- CPU Socket:
1x LGA775 Socket
- System Bus:
800/1066 FSB
(1333FSB through overclocking)
- CPU Support:
Intel Core 2 Quad / Core 2 Duo / Core 2 Duo /
Dual-Core / Celeron 400 series Processors
{ Please refer to manufacturer website for latest CPU support }
- Memory Slot:
2x 240-pin DIMM slots
- Memory Type:
Dual Channel, Unbuffered, Non-ECC, DDR2-800/667 MHz
- Max. Memory Supported:
4 GB
- Power Supply Included:
250W PSU with PFC
- Drive Bay:
1x 3.5" Internal bays
1x 3.5" External bays
1x 5.25" External bays
- Expansion Slot:
1x PCI Express x16 slot
1x PCI slot
- Storage 1:
1x UltraDMA 100 IDE channel connector support up to two IDE devices
3x On board SATA connector
1x Floppy connector
- Storage 2:
N/A
- Onboard Video:
Intel GMA 3100 256bit 3D engine
- Onboard Audio:
Realtek ALC888 7.1 channel audio
- Onboard LAN:
Marvell 88E8056 Gigabit LAN
- Onboard Firewire:
Yes
- eSATA (SATA-to-Go):
No
- Card Reader:
No
- Front I/O:
2x USB 2.0 ports
1x mini IEEE1394
1x Mic in
1x Earphone out
- Rear I/O Ports:
(1) RJ45 Gigabit LAN port
(1) D-sub VGA port
(1) DVI-I VGA port
(4) USB 2.0 ports
(1) PS/2 keyboard port
(1) PS/2 mouse port
(1) Line-in port
(1) Front out port
(1) Side Surround out port
(1) Rear Surround out port
(1) Center/Bass port
(1) IEEE1394 port
(1) Clear CMOS button
- Dimensions:
300 x 200 x 185 mm (LxWxH)
11.81" x 7.87" x 7.28"
- Gross Weight:
T2-AH1 AMD Socket 939 Barebone w/ Radeon Xpress 200 Audio Video Gigabit SATA Firewire Card Reader FDD - Black
Asus
Features:
- Mfr. Item #:
90PB54AA110000AGLFZ
AS T2-AH1 ID1 (AB-T7000)
WOCD/WOMDM/FM/L - Model:
T2-AH1 - Color:
Black - Product Type:
Barebone System - (No Optical drive, OS, HDD, Mem., CPU etc.) - Form Factor:
TriOptix Form Factor - Chipset:
ATI Radeon Xpress 200 - Floppy Drive:
1 x 1.44MB - incld. - Card Reader:
1 x 7-in-1 Card Reader - incld. - Drive Bay (free):
(2) 5.25" - exposed
(1) 3.5" - internal - Front Panel:
LED Display, Audio DJ - Front I/O:
2 x IEEE1394 (4/6 pin)
1 x Card Reader
2 x USB2.0
1 x Optical S/PDIF in
1 x Mic.
1 x H-Phone - Power Supply:
250 Watt w/ PFC - CPU Socket:
1 x 939-pin - CPU Support:
AMD Athlon 64 X2 / Atholn FX / Athlon 64 / Sempron
{ Pls. always refer to Mfr. WWW for CPU speed support } - CPU List:
http: //support.asus.com/cpusupport/cpusupport.aspx?SLanguage=en-us - Mem. Capacity:
Upto 2GB (max.) in 2 x 184-pin DDR DIMM slots - Mem. Type:
Unbuffered DDR PC2700 / 3200 - Exp. Slots:
1 x PCI-e (x16)
1 x PCI - VGA:
ATI Radeon Xpress 300 - IDE:
1 x UDMA/100 IDE channels - SATA:
4 x SATA connectors - G-LAN:
10/100/1000 Mbps Gigabit Ethernet - Audio:
Realtek ALC655 6-CH Audio - Rear I/O:
4 x USB 2.0
1 x Line-in/Line-out/Mic-in
1 x PS/2 Keyboard
1 x PS/2 Mouse
1 x Parallel
1 x Serial
1 x VGA
1 x DVI
1 x RJ45 Gigabit LAN
1 x S/PDIF Out
1 x TV-out
1 x FM Radio Antenna - OS Support:
Window 2000/XP; 64-bit OS - OS Incld.:
None - Key Features:
* TriOptix Form Factor
* Recover Pro
* Q-fan Technology
* ASUS Audio DJ
* AntiVirus Solution
* CrashFree BIOS2
* Ez Flash BIOS - Dimension:
190 x 310 x 300 mm (WxHxD) - Gross Weight:
21.12 lbs.
V3-M2A690G uATX AM2 Barebone 690G Audio Video DVI HDMI Gigabit SATA 3Gb/s Firewire - Black
Asus
Features:
- Product Type:
Mini PC Barebone System
- Mfr P/N / Model:
V3-M2A690G
- Form Factor:
uATX Mini Tower
- Bezel Color:
- Drive Bay:
2 x 5.25" External
2 x 3.5" External
1 x 3.5" Internal
- Power Supply Included:
300 W (PFC)
- Front I/O:
4 x USB 2.0
1 x Microphone
1 x Headphone
1 x 1394 (6 PIN)
- Card Reader:
No
- MB Chipsets:
AMD 690G + ATI SB600
- CPU Socket:
Socket AM2
- CPU Support:
AMD Sempron/Athlon 64/AthlonFX/Athlon X2
- CPU Cooler:
Not Included
- Memory:
4 x 240-pin DIMM slots
Support DDR2 800/667/533 upto 8GB
- Expansion Slot:
1 x PCIe x16
1 x PCIe x1
2 x PCI
- Storage 1:
1 x IDE Channel supports upto 2 IDE devices
4 x SATA 3Gb/s
- Storage 2:
N/A
- Onboard Video:
Integrated ATI Radeon X1250 Graphics
Shares up to 128MB system memory
- Onboard Audio:
ALC883 6 Channel Codec
- Onboard LAN:
Realtek RTL8111B Gigabit LAN
- Onboard Firewire:
Yes
- eSATA:
No
- Rear I/O Ports:
4 x USB 2.0
1 x Line-in/Line-out/Mic-in
1 x PS/2 Keyboard
1 x PS/2 Mouse
1 x Parallel Port
1 x D-Sub (VGA Out)
1 x DVI-D
1 x HDMI
1 x S-Video (TVOUT)
1 x SPDIF out (Coaxial)
1 x RJ45 LAN (10/100/1000 Mbps )
1 x IEEE1394
- Dimensions:
168 x 354 x 380 mm ( W x H x D )
6.61" x 13.94" x 14.96"
- Gross Weight:
V9400-X/TD/128M
Asus
V9400-X/TD/64M
Asus
V9520-X/TD/128M
Asus
V9520/TD/128M
Asus
VCQFX1300-PCIE-PB
PNY
VH236H 23" Widescreen LCD Monitor / 2ms / Speakers / VGA / DVI / HDMI / Audio - Black
Asus
- Mfr. P#:
VH236H - Product Type:
Monitor - Color:
Black - Widescreen:
Yes - Monitor Type:
LCD - Panel Size:
23" - Max. Resolution:
1920 x 1080 - Brightness:
300 cd/m2 - Contrast Ratio:
20000 to 1 - Viewing Angle:
160°(H)/160°(V) - Response Time:
2 ms - Pixel Pitch:
0.266mm - Display Color:
16.7M - Connectors:
1x DVI-D port
1x D-Sub/VGA port
1x HDMI
1x 3.5mm audio mini-jack - Built-in Webcam:
N/A - Built-in Speakers:
Stereo Speakers 2Wx2 stereo RMS - Power Consumption:
< 55 W
{ < 1 W = power saving mode } - Features:
* Trace Free Technology
* SPLENDID Video Intelligence Technology
* SPLENDID Video Preset Modes (5 modes)
* Skin-Tone Selection (3 mode)
* HDCP support
* Color Temperature Selection(5 modes)
* SPLENDID Video Preset Mode Selection - Accessories:
DVI cable, VGA cable, Audio cable, Power cord, Quick start guide, Warranty card - RoHS Compliant:
Yes - Dimension:
549mm x 350mm x 220mm
21.61" x 13.78" x 8.66" (WxHxD) - Gross Weight:
17.35 lbs



The most important thing to remember about acne is: It's not your fault. Contrary to popular belief, acne is not caused by anything you're doing - what you eat, how often you wash your face or work out - but by a combination of factors at work far beneath the surface of your skin. The regularity with which you shed skin cells can change throughout your life. Your hormone balance affects the rate at which you produce oil. Research has also shown that genetics play a big part in the development and persistence of acne, so your family history is a valuable prediction tool as well.
For most forms of acne, Drs. Rodan and Fields prefer topical medications. They may prescribe antibiotics for inflammatory nodular and cystic type acne, and Accutane for more severe cases. Oral antibiotics and Accutane don't cure acne - like topical medications, they gain control of the problem.







