cashnocredit

After I swapped it out I examined the old breaker. The problem turned out to be a poor contact on one side of the leaf sliders internal to the breaker. This produced a high resistivity contact that, over time, caused the breaker to heat up enough that it tripped at low current (about 25% of rating). It was one of the very hot days (99F) where the ACs were running. My current probe indicated that it was tripping with only about 50 Amps. Breakers operate by a combination of heat and current sense.

South Korea's repro rate is even lower. Lots of this is Europe as well. Check out the average age of Ukranian soldiers.

The electricity shut off at mid-day when it was about 100F outside. So I went out to check the breakers. They appeared OK. We have a "smart meter" since we have PV's installed. No way to turn off the power going to the breaker panel which I found weird. The smart meter is behind a second panel that has a SDGE tie on it to prevent anyone from opening it except SDGE personnel. So called SDGE about the power outage. Service person showed up and found the main breaker had tripped (which I'd missed) and suggested we should replace the whole panel. My wife had been talking to a neighbor that had recently gotten a panel upgrade to fast charge her EVs so she got a reference. Called the reference who came out and suggested a new panel. Cost about 10k. I looked up the breaker (225 amp) part number and bought a replacement for just under $200. I had to change the breaker "hot" since there was no way to turn off the power w/o calling SDGE back and scheduling a turn-off that would take a 3 week delay. Fairly simple and safe even though the incoming wires are hot. Checked the current and voltage drop across the new breaker and it was just a few mVs with about 60 amps load. No reason I could see to change the panel. We aren't planning to get EVs let alone fast chargers.

If you decide to stop paying them but want to rent a studio apt. in the near future, consider applying before your credit is shot as they almost certainly will run your credit. Rent should be a lot less than the credit card payments. Then move and live with debit cards for a while to get used to matching outgo to income. Then, after BK, get a secured card or two at low limits just to restart your credit in the future. Will help a ton to get new credit after the negatives drop off.

I got 5 alerts. The details on each were quite varied and old with errors in names, addresses and such. Not one was a match for my current address, name, etc. Looks like a really bad database. Apparently, the stuff was (poorly) copied from public databases.

My partner and I started a C corp back in 1980 on one side of his tool shed. No employees. We would usually use checks to pay for things but every so often he would use his CC. and write a check to himself to re-imburse. After a few years we were big enough he could quit his job and run the biz full time. It kept growing and 5 years after we had started it I quite my regular job and joined the company too. In the 90's we were large enough to get a line of credit w/o personal guarantees (we never did PGs). We also got corporate credit cards for the execs and sales people that had to travel. I never used the CC for personal stuff except for getting hotel rooms. But I never paid with it and always paid with my debit card since I didn't have personal CCs at the time. Never had any issue with the IRS or State. We were pretty careful not to mix any personal expenses with legit biz expenses.

If you want to buy a timeshare, do it in the aftermarket. In some cases people will even pay you to take their timeshare, And that tells a lot about the timeshare biz.

Yeah. Car dealers are known for that because they get a cut from the financing. It's actually a good negotiating practice to go along even if you intend to pay cash because they think they will make more money on the back end. Once you have the price locked in you then spring a check on them.

Huh? Why would it be a policy. You make an offer that includes a large cash down with terms of cash to close. You don't come up with the cash, the seller keeps it. Now if you make an offer contingent on financing, expect a credit pull since you get the down back if financing isn't approved.

Odd. The piece suggests he was also a cash buyer. I also bought a house after I retired and didn't need to live near work with neighbors 20' on each side of me. Woke up one day, wandered into a real-estate place, and asked to see some houses. Wound up liking a place that was rural enough* and spacious enough. Made an offer and closed in a week. I was never asked for a credit check and I had no idea what one was at the time. If one had been pulled it would have borne a strong resemblance to that of a homeless person. I'd stopped using CCs 10 years earlier in favor of a debit card. * What I didn't know at the time was my new home was in a part of the county where mail wasn't delivered. You had to get a POB which at least was free to make up for the USPS not delivering mail.

Mine dropped 15% earlier this year which surprised me at my age (76). I carry max liability but also high deductables on collision, etc. No idea why except my car is now 15 y/o. Possibly my collision deductables are approaching value totaled. Clean record for the last 40 years so that's not a factor.

I got one of the early Discover (Sears) cards. I don't remember why and never used it. They would send me a new card every few years when the old one expired. They did this for about 25 years but finally stopped. Might be a record for the longest active CC that had never been used.

I have a couple smart phones on Verizon. When last at the Verizon store, they suggested I get a Verizon CC since there is a pretty large surcharge for using CCs v debit cards. Looking at risk/benefit I've continued to use a CC to autopay. Last week a letter came offering a Verizon CC (Synchrony Bank). I thought what the hell and went to the web site. After the usual nonsense, including fixing stuff because I don't get mail at my physical address, the website insisted on sending a text with a link to upload images of my DL and a short video of me to presumably match them. Problem was that my home phone doesn't get text messages and they lost track of my cell. So I just quit. Fast forward a week. I got a letter saying that they needed me to call to verify identity or the app would be canceled. A phone number was attached. I called it and gave the CSR my cell #. Then went through the instructions which even included a video about how to go through the ID verification process. I should get the card in the next week. What is going on out there! Is ID theft so rampant they have to do this nonsense? Is it because I've been retired for over 2 decades so no history of employment? Crazy crap.

Wells Fargo passed. How unusual. Federal Reserve Board - Agencies announce results of resolution plan review for largest and most complex banks

Same here with a mortgage. The effect was also small.