<![CDATA[Consumerist: Backups]]> http://cache.gawker.com/assets/base/img/thumbs140x140/consumerist.com.png <![CDATA[Consumerist: Backups]]> http://consumerist.com/tag/backups http://consumerist.com/tag/backups <![CDATA[ EMI Says You Can't Store Your Music Files Online ]]> con_mp3tunes158.jpgToday, MP3tunes' CEO Michael Robertson sent out an email to all users of the online music backup and place-shifting service MP3tunes.com, asking them to help publicize EMI's ridiculous and ignorant lawsuit against the company. EMI believes that consumers aren't allowed to store their music files online, and that MP3tunes is violating copyright law by providing a backup service. (And we're not using a euphemism here—it really is a backup/place-shifting service and not a file sharing site in disguise.)

In March, a court told EMI it couldn't demand that MP3tunes turn over all the music stored by customers on its servers. Robertson writes on his corporate blog that the request is absurd:

Files are not MP3tunes' possessions any more than the contents of a safety deposit box are owned by the bank that houses them. The storage provided by MP3tunes is the user's own space. A Locker is empty when someone opens an account and that customer decides what files are placed into their Locker. All files are stored at the request of the user. People who choose to utilize remote storage should be guaranteed the same level of privacy they have for the files stored on their local hard disk.
Here's part of Robertson's email from earlier today:
As you may be aware, the major record label EMI has sued MP3tunes, claiming our service is illegal. You can read about the case here. Much is at stake — if you don't have the right to store your own music online then you won't have the right to store ebooks, videos and other digital products as well. The notion of ownership in the 21st century will evaporate. The idea of ownership is important to me and I want to make sure I have that right and my kids do too.

"Court Ruling Denies EMI Access to Millions of Personal MP3 Files" [MIchael Robertson]


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Consumerist-382824 Tue, 22 Apr 2008 17:40:55 EDT Chris Walters http://consumerist.com/index.php?op=postcommentfeed&postId=382824&view=rss&microfeed=true
<![CDATA[ 6 Reasons To Keep More Than One Credit Card ]]> Keeping a second credit card won't lead to financial ruin, and may prove useful in several situations. Bankrate offers six reasons to stash away a spare card.

  • 1. Financial safety: A well-placed backup card can provide crucial flexibility if your wallet is stolen.
  • 2. Rewards: Want both cash back and miles, but don't want to choose? Have one card for each.
  • 3. Credit score boost: Your credit score takes an initial hit after opening any new credit line, but by maintaining a reasonable debt to credit ratio over two credit lines, you can actually improve your score over time.
  • 4. Staggered bill paying: Ultra-savvy penny pinchers can arrange their cards "so one of his or her credit cards has a billing cycle that ends on the 10th of the month and another that ends on the 25th. If that you pay careful attention, you can use the first card for purchases shortly after the 10th and the second one for purchases shortly after the 25th, maximizing the amount of time in between the purchase and when the bill must be paid."
  • 5. Easier bookkeeping: Save trouble during tax season by keeping all your business expenses neatly itemized on one card.
  • 6. Leverage: Bankrate argues that you can use the favorable terms on one card to leverage better terms from other lenders. Threatening to leave for greener pastures doesn't require a second credit card. In fact, consumers can often receive better terms just by asking.
Bankrate argues in favor of "multiple" credit cards, but let's not get carried away. Very few people need more than two cards. Regardless of how many cards you have, be sure to pay all of them off in full every single month.

Do you keep more than one card? Tell us how you use the spare in the comments.

6 good reasons to carry multiple credit cards [Bankrate]
(Photo by Jeff J Mitchell/Getty Images)

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Consumerist-346869 Sat, 19 Jan 2008 14:10:14 EST Carey http://consumerist.com/index.php?op=postcommentfeed&postId=346869&view=rss&microfeed=true