After you’ve completed all the steps in Part I of the Buying Your First House series, it’s time to hit the streets!  At this point, you should have your credit reports and scores, your maximum monthly payment for a mortgage, and your pre-approval letter from a bank which outlines the maximum you are able to finance.

In most markets, realtor services for the buyer are free, so take advantage of it; their commission comes from the seller.  You are going to want to be honest with your realtor but definitely need someone you can trust.  Ask your family, friends, and co-workers for an agent they trust.

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Buying your first home is probably the most stressful thing you’ll ever have to do.  I am finding I am constantly going back and forth re-tweaking numbers; I wish someone made a list of things to do before even talking to a realtor!  Hopefully you can benefit from this series of articles on how to buy your first home.

Our goal at the end of Part I is to have three numbers:  your credit scores, the maximum monthly mortgage payment you are comfortable with, and a pre-approval letter that has your maximum that is allowed to be financed.

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To everyone baffled by the tons of commercials with singing pirates and catchy jingles, consider this post a public service announcement regarding your credit report.

You are entitled to a one (1) free copy of your Credit Report from each credit reporting agency ANNUALLY by law (1 credit report from each credit reporting agency = 3 reports). The ONLY website authorized to do this is  https://www.annualcreditreport.com.  Everything else is a scam!

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It was a dark and stormy night, a sharp ringing arises from your phone.  You pick up the phone quizzically.  You don’t recognize the number. Who could be calling at this hour?  It has to be an emergency!  Cautiously, you press the “Connect” button and lift the phone to your ear.  Before you can muster out a groggy and raspy “Hello” an automated female voice comes on the line warning you that your factory warranty on your car is expiring!  /cue ominous music/

If this situation seems eerily familiar, you are one of millions of people currently being targeted by the latest identity theft scam.

If you thought you were protected by the Do Not Call list, think again.  There is a tiny exception which you may not be aware of; if you initiate a call to the company, the company may call you for up to 18 months.  “I never did that!” you say.  When you received a call and missed it, did you instinctively call it back?

This is assuming that the company even follows the Do Not Call list, if they don’t, it’s illegal, but you have to file a complaint to the FCC.  Note the date and time, and number from which they called you.

For the daring, before you give them any of your information (as if you would), tell them you are legally obligated to let them know this call is being recorded and ask them a few questions.  Ask them their name, their company, and their company’s address.  Make sure you save this information for when you file a complaint to the FCC.

The most important thing to remember here is do not give out your personal or financial information to people on the phone.  For the dummies, this includes any Infomercial you see on TV.  Companies in the past were notorious for selling this information to every bidder since you were silly enough to buy something on TV without doing any research on the product or the selling company.  If you are easily glamoured into buying something because some fast-talking good-looking person said so, you are flagged as a sucker and other companies want their shot at selling you something.

Yes, it’s true.  Finally a way to get your personal files on each machine you work with that gets backed up online without any worry of who is rummaging through your data when you aren’t looking!  It’s the secure online backup you were looking for!

Windows? Linux? Mac? No problem.  Installers are available for all three systems.

DropBox (a glorified subversion system for the rest of us) has finally worked its way out of beta and will become the backbone for our project.  Transmission of data to DropBox is via HTTPS, so we at least have half the problem resolved.

The second problem is DropBox’s STORAGE of my files.  If they defect to the goverment faster than AT&T did with the NSA, then you can be sure your private key and personal bookmarks to porn sites will be used against you.  I wanted the storage of my files encrypted. Since I couldn’t trust DropBox, I turned to my good old friend, TrueCrypt.

The solution here is to create a TrueCrypt volume inside of your DropBox folder.  Even though DropBox has a 2GB folder limit, you shouldn’t use all of it for your TrueCrypt drive.  Unfortunately, TrueCrypt creates the encrypted partition to it’s maximum capacity, which means if you create a 1GB encrypted volume, it actually takes up 1GB on the harddrive even with nothing in it.  And transferring a 1GB file many times for little to no content isn’t the best plan.

Since the volume is filled out to maximum filesize even with no data, it’s best to create a few smaller drives (in the 256MB range) as DropBox has to upload the entire file at least once and you have to download the synchronized file on every computer.  TrueCrypt can mount about 12 volumes automatically, so my recommendation is to keep the volumes small and increase the sizes for volumes you don’t modify often.

Don’t feel guilty about using encyption.  Don’t be guilted into the “If you have nothing to hide” mantra; privacy is your right as a human, exercise it.

I love my little Macbook.  It’s so cute.  And this coming from a guy who has Windows experience back to 3.1, and whose primary job responsibility is to support and manage a Windows domain and hundreds of clients.  So why is my Macbook so nice?

For one main reason: it’s polished. That critical “step-back” after everything is done to say “what can we improve now?”  This is something that Microsoft and companies who build Intel PCs are seriously lacking.

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NBC has the Olympics this year (as they always do) and without any doubt, they have failed to produce a useable TV schedule.  In response, someone has done the work for them, and created a Google Calendar version of the schedule.

http://www.google.com/calendar/htmlembed?src=olympics_%257e_01039895__10003%23tv%40group.v.calendar.google.com

I didn’t see an iCal version anywhere of the Olympic schedule, but if I find one, I’ll be sure to update this post.

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This Alt-TAB replacement is actually an official PowerToy from Microsoft.  It will add function and beauty to your otherwise near-worthless and boring Alt-TAB window.  In addition to seeing the icon of the application window you are switching to, you will also see a preview of the application as it was running.  This helps particularly when multiple sessions of an application are open.

Launchy is the Windows version of Mac’s QuickSilver. It is free and open source (naturally) and a flexible and relatively lightweight alternative to using Windows Start Menu.

By pressing the hotkey (Alt-Space), you bring up Launchy’s main window and type what you want. A quick type of “fire” brings up your most used entry of “firefox” but doesn’t stop there.  If you have other programs (in this example, Fire Antivirus, SoftFire screensaver or Fire and Motion), it will display them as well since it contains the keyword you typed.

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Ady Romantika has so kindly packaged Pidgin into a nice portable package called PidginPortable for use on USB drives. Take your contacts, log files and conversation on-the-go leaving no trace behind on the computer you use. (I highly recommend the rest of the PortableApps as well.)

Included in his package in addition to Pidgin (the free, open-source, ad-free Instant Messenger client we’ve all grown to love) are the following features:

• Spell check support. Aspell is included with EN dictionary as an example. If you don’t need spell checking support simply delete the contents of the App\Aspell folder and you’ll save 5MB+ of space.
• Off-the-Record Messaging plugin support. Files located in App\Pidgin\plugins\ folder, as otr_*.exe and pidgin-otr.dll
• Included a gtkrc file for CTRL-ENTER key binding when sending messages.

In addition to that, Ady also recommends my custom smileys theme for Pidgin, ForumSmileys.