Fixed Rate On Balance Transfers For Life Of Card

Ask Cryptic: 51 STO Questions

The latest installment of Star Trek Online's Ask Cryptic series is live with Executive Producer Dan Stahl answering a massive 51 fan questions!

With the one-year anniversary of STO here, Stahl also reflected on the past year and all the updates in a recent video.

Click the link to watch the video and read the full Q&A after the jump.

Q: AaronJArcher621: Will a feature be added to change the uniform of your ship interior crew members?

A: This is on our stretch goals for Season 4, but may not be ready until we hit Season 5 when we start to talk about the Foundry as a way for you to customize your own ship interior. At that point you'll be able to populate your own interior with uniforms you select.

Q: Bohort: Why are off-duty costumes not avalable for Klingons?

A: The Klingon faction has more diverse species than the Federation and when we put the off-duty uniforms on say, a Gorn, it didn't look appropriate. We instead decided that instead of trying to make "neutral" casual looks that all species could wear (a challenging design task), we would intead focus on creating species specific clothing options. This is why we have been working on unique garments for Orions, and a complete overhaul of the Gorn. Ultimately, we want to remove the concept of "off-duty" uniforms and just have "outfits" that are appropriate to your faction and species.

Q: Jas-: Will transphasic torpedoes be getting an overhaul or adjustment? Many players feel they are severly underpowered.

A: Balancing a complex combat system is tricky, and we agree that many torpedo powers could use adjustment. Before we can effectively do that, we need to address some bigger balance issues in the game such as healing. You can look forward to us making a big pass on all torpedoes once we get some of our bigger combat balance changes into the game.

Q: billyyank: Is an Ambassador class starship in the works?

A: We have plans to answer some questions about what happened to the Enterprise-C, and when we do, you can expect an Ambassador class starship to make it into ship requisitions.

Q: teralkaar: Do you plan to improve the game so that it has less zoning?

A: This is one of my biggest gripes about STO is that there are too many loading screens as you are traveling around the galaxy. We have already started to make changes where we can by removing small transfers such as the door to Admiral Quinn's office which now just opens to his office instead of sending you through a loading screen to get there. I dream of the day when we can get the entire existing galaxy into one big map. And if we can improve loading screen times and transitions before then, we'll do it.

25 Ways To Waste Your Money | PraiseHouston - Praise 92.1 ...

By Erin Burt (Kiplinger.com)

via:yahoofinance

Has your budget sprung a leak?

Nearly everyone has spending holes. And as with other kinds of leaks, you may have hardly noticed them. But those small drips can quickly add up to big bucks. The trick is to find the holes and plug them so you can keep more money in your pocket. That extra cash could be the ticket to finally being able to save, invest, or break your cycle of living from paycheck to paycheck.

Here are 25 common ways people waste money. See if any of these sound familiar, then look for ways to plug your own leaks:

1. Carrying a balance . Debt is a shackle that holds you back. For instance, if you have a $1,000 balance on a credit card that charges an 18% rate, you blow $180 every year on interest. Get in the habit of paying off your balance in full each month.

2. Overspending on gas and oil for your car. There’s no need to spring for premium fuel if the manufacturer says regular is just fine. You should also check to make sure your tires are optimally inflated to get the best gas mileage. And are you still paying for an oil change every 3,000 miles? Many models nowadays can last 5,000 to 7,000 miles between changes, and some even have built-in sensors to tell you when it’s time to change the oil. Check your manual to find the best time for your car’s routine maintenance.

3. Keeping unhealthy habits . Smoking costs a lot more than just what you pay for a pack of cigarettes. It significantly increases the cost of life and health insurance. And you’ll pay more for homeowners and auto insurance. Add in various other expenses, and the true cost of smoking adds up dramatically over a lifetime — $86,000 for a 24-year-old woman over a lifetime and $183,000 for a 24-year-old man over a lifetime, according to “The Price of Smoking” (The MIT Press).

Another habit to quit: indoor tanning. There is now a 10% tax on indoor tanning services. As with cigarettes, the true cost of tanning — which the World Health Organization lists among the worst-known carcinogens — is higher than just the price you pay each time you go to the salon.

4. Using a cell phone that doesn’t fit. How many people do you know who have spent hundreds of dollars on fancy phones, and then pay hundreds of dollars every month for the privilege of using them? Your phone is not a status symbol. It is a way to communicate. Many people pay too much for cell phone contracts and don’t use all their minutes. Go to BillShrink.com or Validas.com to evaluate your usage and see if you can find a plan that fits you better. Or consider a prepaid cell phone. Compare rates at MyRatePlan.com.