Firmware, in generic terms, is "fixed software" in an electronic device. Your CD/DVD drive for example, has firmware. Your digital camera has firmware. Portable navigation devices (PND for short) has firmware. Even remote controls for televisions have firmware.

I’m the type of person that likes having the latest up-to-date firmware for whatever electronic device I use. But over the years I’ve had to train myself not to update if there isn’t any issue present with the way the device works.

Example: In one instance a few years ago I somewhat busted a CD/DVD drive I had because I updated the firmware. I found there was an update for the device, so I downloaded and applied it. After that the drive wouldn’t burn discs any longer. It would read them but not write no matter what brand of disc I used. It turned my DVD-R/W into a DVD-ROM. I tried applying a previous version of the firmware, but that didn’t work, so I had to junk it. $40 in the toilet. Lesson learned.

The only reason I bothered to update the firmware in that particular device is because it was available. Nothing was wrong with it, I didn’t need to do it, but did anyway.

Firmware updates for any electronic device serve two primary purposes. First, the update fixes a problem with the way the device works and/or second, the update adds in new features that weren’t there before.

If you spot a firmware update for whatever electronic device you use, but are not encountering any problems nor are there any features added in with the update, don’t apply it. If you do, chances are likely it will do more harm than good and in worst case scenario makes the device unusable.

As said above, I had to train myself not to apply firmware updates when I didn’t need them. I would look at the firmware version for my digital camera and it would be at 2.5a. But wait, now there’s 2.5b! My mind says, "I should really get this," but then common sense kicks in. "Hang on. There’s nothing wrong with my camera. And this update doesn’t add in anything I didn’t have before. No, I won’t do it." So I don’t.

This can be a temptation that’s tough to resist. After all, you want all your electronic stuff to have current software. Psychologically, having an old firmware version puts the message of, "I’m missing out on something" in your head. Trust me when I say that the vast majority of the time you’re not missing anything.

Whenever you see a firmware update for whatever electronic device you’re using, always read the release notes thoroughly. This documentation is always provided and is usually on the same page where the download is, or as a PDF or some other web page describing what’s in that particular version. If you see nothing in there that fixes anything or adds in features, don’t apply it, because having an update applied that breaks your stuff will ruin your day real quick. Every time it happens it’s money wasted that you have to spend all over again.

Have you ever had a firmware update go horribly wrong?

Let us know by commenting below.

Credit, love it or hate it, is something that’s necessary for many people to buy things. And I’m sure there are more than a few of you out there who have applied for credit online and been denied faster than you can say, "Hey! My credit rating is good! What gives?"

What gives is that you’ve been dealt the cold shoulder of a computer that deemed you unworthy of a credit line.

If you need credit for anything, my advice is simple: Apply over the phone or in person whenever the option presents itself. The rep you speak with on the phone has more of an interest in approving you compared to a non-human computer.

Lines of credit worth having for computer stuff

Apple Financial

Macs are frickin’ expensive. With Apple Financial/Juniper they have 0% for 12 months on any first (keyword there) purchase over $1,000 – which is unfortunately quite easy to rack up when buying Apple products.. (sheesh!) If you plan on buying Apple stuff, you’re going to need this unless you have really deep pockets.

Phone: 1-800-MY-APPLE

Dell Financial Services

Good for consumers and small-biz owners that specifically want to build credit. The nice part is that with DFS, they’ll allow you to finance just about anything – even for super-low amounts, and that’s an advantage.

Phone: Depends what type of customer you are. Info is here. If you’re just a regular consumer, call the main line 1-800-WWW-DELL.

Bill Me Later

Both NewEgg and TigerDirect accept this, as well as many other retailers. Granted, the interest rate sucks, but you get 90 days no-interest no-payment on any cart purchase over $250 in most instances. "Cart purchase" means that the items in the online shopping card meet or exceed $250. So if you buy a motherboard, CPU, monitor and lump it all into a single purchase that goes over $250, that’s financeable thru BML.

Note that you don’t have to apply for it. Just use it on purchase at checkout. However it is recommended you get yourself an account at the BML site to track spending better.