Unable to receive SafePass text msgs from Bank Of America


Recently found out about the benefits of having SafePass on my Bank of America account. I tried to activate it but I never received the text msg on my t-mobile phone that on subscription.


Turned out the issue was with my T-mobile services I had to login and change services to remove the:

“Block Content Downloads” that was offered for free..

Then had to restart my phone and finally I received the msg.


Not sure hat the text msg has to do with blocking the content download but.. it worked…

Make .htaccess visible via ftp vsftpd


If you have vsfpd as a ftp client.

find your vsftpd.conf file and add the line:


then restart your ftp server in command line

service vsftpd restart

My Experience with Comcast XFINITY internet


Decided to purchase the internet package advertised by comcast in April 2013 as “Blast” where they offer 50mbps download speeds and as they also offered a TV bundle with 140 channels for $49.99 decided to try that also.

When we first installed the actual download speed was only 21mbps when I asked comcast why, they said because I have and older motorola modem and I need a Motorola SurfBoard SB6141 DOCSIS 3.0 Cable Modem.


2 weeks later just tested the download speed and it is only 5mbps. Here we go again go contact customer service for “sending a signal” ..and I am also ordering a the Docis3 modem as it is not right to charge 50 going up to 80 after 6 months while your promised 50mbps gong down to 5mbps.


Update 05/21/2013

I received my Motorola Surfboard SB6141 modem from amazon for only $83 dollars… Set up the modem and again the speed was 21mbps.

Customer service rep suggested connecting the cable directly to my laptop and not using the wireless router Cisco Linksys E1200.. and THEN>>>>> the speed was 58mbps to my pleasure…. so turns out the E1200 router was the bottleneck…


Now I have to shop a new wireless router to completely benefit from the “Up to 50 mbps” speed ..

No Update Required, Your WordPress database is already up-to-date!


Recently updated to wordpress 3.5 after update I could not access wp-admin. I was redirected to:



and seeing the message:

No Update Required

Your WordPress database is already up-to-date!


Found many posts that you need to disable plugins etc..rename folders… none of it helped as my cache plugin was different..HyperDB


THe solution was to rename:



Watchout how Capital One Destroys ING Direct


As you may know Capital One purchased ING Direct in early 2012. Capital One said that ING Direct will not change. Think again!

Capital one was always one of my less favorite banks due to their shameless high interest rates on credit cards and especially taking advantage on individuals with not excellent credit scores.

Around September 2012 you could see Ingdirect.com website changes from the regular orange to Capital One 360 brand.y.. Did not have to wait a lot… In October 10th I noticed the APY changed to 0.75% good bye highest online savings.. Just picked up my savings and transferred all to American Express for 0.90% not much difference I just can not stand the greedy Capital One trying to hide behind old ING reputation and start rip off its clients.

I also noticed that my Ingdirect mortgage  rate renew is no longer showing up. I still have 3 years as fixed rate. I was just thinking of renewing my fixed rate for another 5 years and pay 1 month worth of mortgage fee but now…. I have no choice…


It is very unfortunate to see  how Capital One will destroy a good brand like Ingdirect but we can not do anything about it.



Please know that ING DIRECT removed the Rate Renewal tab from the website. The Rate Renewal option is still available for customers that are eligible. To find out if your eligible to do this option online, please call one of our Associates at 1-888-464-0727 for all specific account questions. We’re available from 8 AM to 8 PM, 7 days a week.

Keep in mind, our interest rates, eligibility requirements and the cost of a Rate Renew may change at any time. We may not always offer Rate Renewals.


Member FDIC
Equal Housing Lender


UPDATE: Nov 20, 2012. Called ING and they put the renewal back not sure what else changed and not sure if there are other hidden items why they asked me to call back when this Renewal option was always there on my account in prior years.


UPDATE Sep 15, 2014

Rate renew is still and option but in the spirit of Capital One 360 and not the old ING direct (that is rip off your customers) If I try to renew they offer me 5/1 arm at %3.75 if I go as a new client they offer it at %3.375 it is very unfortunate that the ING Direct brand is amortized but again it is Capital One now… 

If you are thinking of taking a mortgage from Capital One 360 please think again as surprises most likely will continue and as a client you will pay for it.


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