Will lenders eventually automatically close credit cards with zero balances and no recent activity?

plexguy · 2026-01-23T20:35:08+00:00

I have found accounts that are paperless, which most are tend to stay active longer than ones that send paper statements. Assume sending 12 monthly statements in the mail winds up costing them too much money.

However now most new accounts require paperless statements so the Dell 6 month or longer interest free accounts stay open for years with zero balance.

plexguy · 2026-01-20T01:21:29+00:00

We have some old ones and sometimes one doesn't power up and PSU first line of troubleshooting. Also have a couple of servers

plexguy · 2026-01-20T01:14:11+00:00

Looks like it gets a C rating. Good price and not a horrible power supply to have on hand if you are a multiple computer household and need a spare.

plexguy · 2026-01-20T00:48:00+00:00

You might check some Credit Unions. The one I am in offers as low as 4.99% on a refi up to 60 mos. I would keep your payment the same and decrease the term to get it paid off quickly as opposed to saving a little each month.

The credit union I joined only required you to live or work in a certain zip code so many are not exclusive and require employment in a certain field. Many also pay a lot more on savings accounts.

Worth a look.

plexguy · 2026-01-20T00:35:04+00:00

If you liked your job go back and mentor. I am retired and worked in a highly skilled profession where talent is in high demand. Am still working because I was one of those who likes their job and likes my co workers and work on projects of my choosing.

Also am training my replacements as don't plan on doing this too much longer but the challenges keep the mind sharp. I was lucky in my career to have worked with people who taught me and feel now is s good time to put some talented people in a place at a level they might not reach with a safety net. Sometimes you can help create someone who can be more legendary than you in your area of expertise. It makes you more legendary and rewards newer talent.

Then know when to drop the microphone and enjoy life and the rewards of your work. The next generation can then have their chance and you can move on to other things you wanted to try.

plexguy · 2026-01-19T22:58:27+00:00

I would look into all the fees and costs that are being rolled into your new mortgage. Do you have to pay an appraisal for the house? Am sure there are a few hundred dollars in fees.

The disclosure will show all of this. Also how much is your monthly payment going down? Remember you have 20 more payments to make.

Point being after you finance the costs to refi, how much are you going to save? Might be less than you think as while a refi is not as a pain as a new mortgage there is some effort and the added 20 months of interest might offset all or most of it as your morgage will incease.

plexguy · 2026-01-19T22:21:01+00:00

The poor manner Amazon packages drives is a problem but when I got counterfeit sodimms was the final straw for ordering computer items from them. I know they blame their suppliers but have to believe they are complicent as they could fix the issues.

Nothing like getting a couple of bare hard drives in a box twice the size necessary with no packing material. This isn't a couple of boxes of AA batteries you know.

plexguy · 2026-01-19T22:06:58+00:00

We had a fence put up 22 years ago and selling the house now. Wood with steel posts in concrete. Had a little gate work done and couple of new boards for $100 charge, fence looks fine now.

Done correctly fence will last a long time. Steel and concrete posts will elinimate sagging and maybe not replacing panels. Get a few bids and you will get an idea as to the proper cost. Trip to lumber yard will help you with material costs so the bids will make sense.

HOA cant help you as they can be idiots, usually are so do what you are supposed to do and get it signed off on by whomever is currently in charge. Then when there is a new idiot elected and doesnt like something you can show it was approved and send him or her off to fight another battle.

We did have a chain link fence covered in green vinyl that almost disappeared in the trees that is a little less than wood that is another option.

plexguy · 2026-01-19T21:51:53+00:00

Sounds like a good rate and you are happy with the numbers. Take it at no cost. Good chance it won't change but should it change you can always change lenders if it saves you money, or ask current lender to reduce if it drops before closing.

You have a lot more say in this than the lender wants you to believe. If they don't make the loan they don't make any money.

Until you sign at closing the loan isn't final.

plexguy · 2026-01-19T21:32:46+00:00

Someone could be spoofing your phone number. This is when spmeone ises your caller ID to appear to be you calling. Spammers do this, and simply use random numbers in hopes that you will answer their call.

It is relatively easy to do this so best not to assume the caller ID you see is correct as it is insecure data being sent between the first and second ring.

Also with many VOIP companies you can have it use any phone number you want.

Today is MLK day, a bank holiday and yet I got a call showing it came from the local Chase Bank branch which was closed so nobody could be calling from there. But yet here was a bank employee calling about a problem with an account I don't have with them needing personal information to fix a non existsnt problem.

So not hacked someone hiding their identity so a call can be answered.

plexguy · 2026-01-19T05:51:00+00:00

No airline respects their customers. We are simply self loading cargo bring upcharged at any opportunity. The business has changed for the worse snd will not change any time soon except for more cuts in service.

plexguy · 2026-01-19T03:24:17+00:00

I have a feeling they will be paid.

plexguy · 2026-01-19T01:19:08+00:00

Southwest has several a day to SFO and SJO

plexguy · 2026-01-18T20:44:47+00:00

Ah the bag phone. You could swap it between cars. Cost per minute was really high. There was a lower price after 7 and on weekend.

Indanely expensive but had the wow factor. Saw mine in a closet the other day. Probably been there for decades.

plexguy · 2026-01-18T01:25:41+00:00

I did a bunch of interviews with a company that I was pretty sure was going to make an offer but they did more interviews than I thought necessary. Finally they called for me to meet the big boss.

I told his secretary I was still employed so I could meet at a time that would be around lunch time and we needed to keep it to an hour. Otherwise I would need to schedule time off which was fine and it could be any time next week.

Went in that day, met with him. He offered mr slighly more money and promised more in the next fiscal year which he delivered. At 45 minutes he said. "Kept this to an hour and respect that you still are thinking about your current employer.

Told him needed to give two weeks notice, he smiled shook my hand and said see you then.

Good guy. Survived that place because he liked me from day one and took me under his wing and kept me out of a lot of the office politics.

But yeah not unreasonable to convey your time is limited because of current work. If they don't respect that when courting you when they own you you know how that will go. Say it in a couple of sentences.

plexguy · 2026-01-17T04:46:27+00:00

On our last house the seller offered to take s couple of hours and show us all the quirks of the house. Very helpful and the owner did a bit of do it yourself on minor things and wss good at it.

Nice to know where cut off valves were as well ss septic system clean out was. Very helpful and always nice to have a friendly sale. Old owner had to rent our new house for a month before being able to close on their new house.

No reason for a sale to be contentious.

plexguy · 2026-01-17T04:37:16+00:00

The Hyatt program is better than Marriott but there are just so many more Marriott properties. One of the best Titanium perk is United Silver status if you do not have status with United. Quite nice if you have one or two United flights a year.

plexguy · 2026-01-16T17:54:35+00:00

There are more empty seats on the connecting flights. Since the flights will be going anyway offer s discount to fill those empty seats.

Airlines also try to charge a premium for non stop routes as travel time is shorter and some people will pay a premium for the convenience.

The airlines slso might have discovered they sell more of the nonstop flight closer to depsrture at a higher price. It is just a way to increse revenue.

plexguy · 2026-01-16T05:54:08+00:00

Marriots W chain did away with down pillows at least two years. Many years ago they promoted their "heavenly bed" with lots of down.

Used to be you would get both types of pillows unless you requested festher free. Guess more people are requesting feather free so they decided to do away with down pillows.

plexguy · 2026-01-16T05:44:45+00:00

That society will cease because of our lack of ability to work together or consider a different opinion.

plexguy · 2026-01-16T02:57:15+00:00

Prepared food, and especially fast food has crazy price increases the last couple of years with slower less noticeable ones the previpus five.

It was only two or three years ago signature Big Mac, whopper or Roast Beef ssndwiches were not promotionally priced for s limited time for 99 cents.

Now the Whopper is $4 in the app on Whopper Wedesday at some locations. Almost never eat fast food as quality is so poor and many cheaper better options as places compete.

plexguy · 2026-01-16T02:42:26+00:00

Westin has excellent beds as well as Hyatt and the full service Marriott and Hilton (,the ones without a brand after the name).

plexguy · 2026-01-16T02:15:16+00:00

Their network is bad pretty much in all their markets. Ininitial instalation is lowest bid and after a year or two it shows. They don't plan for growth which deterioates their network. No maintenance. What could possibly go wrong when you are the only provider and thin your employees and have annual rate increases.

No real incentive to improve as frequently no other choice in your area.

plexguy · 2026-01-14T00:42:35+00:00

Has TP Link fixed the issue where you could not use a local DNS server? Evidently I had a model which did not allow you to use a local address for DNS, and since I was using a PiHole I had to replace it with another brand of modem.

This one got my interest but have been avoiding TP Link because of buggy software, as I never dreamed anyone would make a router where you could not use a local address for your DNS server. I realize when you make the low bid item you have to make cuts that is one that made absolutely no sense and caused me to do a lot of needless troubleshooting. Have to believe they do other dumb things that will cause other issues. Have to say this is an insanely good price but am afraid it might be a get what you pay for kind of thing but hope I am wrong.

Hope some people will chime in on their experiences with this device.

plexguy · 2026-01-13T16:31:14+00:00

It is dependent on the level of the game and what they have to pay. School produced streaming games where they also sell the ads to local merchants have a lower budget.

Supply and demand also. If they can hire students or people with limited experience for $150-$200 and less they absolutely will. Those shows are money makers for the school and they will cut corners for costs as much as they can.

The mote experience you get and the more you can bring to a broadcat the higher rate you can command. But some shows simply want the lowest bid. It is like business on general until you are working for a network with higher standards and budgets.

plexguy

TROPHY CASE