Credit Card Fees

Friday, November 6th, 2009

You can’t watch the news lately without hearing about credit card fees. Consumers are becoming outraged as banks avail themselves of every opportunity to collect more and more. With the amount of credit card debt that consumers are carrying these days, it’s likely that you’re one of them.

I use credit. In fact, I use it every chance I can. The card I use the most has a rebate program that I actually use and, over the past 8 years or so I’ve collected an average of about $750 per year in rebates. Not bad!

The other day I was clearing the most recent statement while the news was running a credit fee related story – and my bank was the focus. I pointed my browser to their Web site to see what the fuss was about. It took a bit of searching but I found it, buried under a link:

bank fee alert

Late Payment Warning

Wow! That’s a hefty fee alright. And a hefty interest rate, too. This must be what the story was about.

There’s really more to the story, though, and the reporter didn’t bother to share it. See, I know the secret already. And I’m going to tell you what it is. There’s no number to call, no login, no registration, no gimmicks at all. Absolutely free. The secret to avoiding those nasty fees. My gift to you.

So, here’s the secret. Ready? Here it comes now.

Pay the bill. On time. Or don’t use the credit line. You know exactly when the next closing date, the statement arrival date and the due date will occur. Plan. Huh? You can’t resist the urge to spend? Then go and put the card in your safe deposit box until you learn some discipline. (Don’t close the account, though, that’s bad for your score.) Then pay the bill. On time.

Simple, isn’t it?

Some Favorite Windows XP Registry Adjustments

Monday, May 25th, 2009

Since I’ve been asked, here are a few of the registry adjustments I make soon after kickstarting an XP system. By no means is this an exhaustive list. No, it’s just the stuff that I consider a minimal start for all systems.

WARNINGDon’t come crying to me if you hose your system beyond belief, because for the uninitiated messing with the Windows registry directly is somewhat akin to performing open-brain surgery. In fact, I’m not going to tell you how to perform edits on the thing, back it up in whole or part or anything like that. You should already know how to do those things. If you don’t, well, please move along, nothing to see here.

With that out of the way, I’ll state what should be obvious. The registry keys mentioned below are each one line. Sometimes embedded spaces will cause wrapping that shouldn’t actually be.

The default responsiveness of the Start menu is designed for effect, not utility. Adjust it to your liking by adjusting the value here:

HKEY_CURRENT_USER\Control Panel\Desktop\MenuShowDelay

This has a default decimal value of 400. 100 usually does it for me.  The ever-so-popular TeweakUI utility adjusts this, too, but it’s easy to just do it this way.

If you’ve got enough memory in your system you can pull the Windows kernel into RAM. Absolutely don’t do this if you’ve got less than, oh, 256 MB.  But who doesn’t have 2 GB or more these days?

HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Control\Session Manager\Memory Management\DisablePagingExecutive

Choose one of these values:
1 = disable paging and run kernel from RAM
0 = normal, paged operation

It should be obvious that you want to set it to 1. You’ll need to reboot to make it take effect.

Did you know that NTFS maintains standard 8.3 file names that are compatible with DOS conventions? Those are the ugly looking all-caps things with the tildas and such that you may have seen in a file list every now and again. Creating and maintaining them is an overhead you can live without if you never have a need for this compatibility. Nice that you can easily disable it and keep your MFT a little less cluttered at the same time.

HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Control\FileSystem\NtfsDisable8dot3NameCreation

0 = enabled
1 = disabled

Set to 1 to gain some file system performance, at the expense of compatibility with that older file system you probably forgot about long ago. You’ll need to reboot to make it take effect.

Oh, and before you ask: no, I’m not sure whether it cleans up existing 8.3 junk or not. I never bothered to check, but I’d suspect not.

Windows XP helps speed its bootup with a prefetch cache, located by default at C:\Windows\Prefetch. Some folks say that every now and again you should delete the contents of that directory, and the system will rebuild it cleanly. I personally wouldn’t bother with that, just let Windows deal with it. But you can control what gets prefetched with this adjustment.

HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Control\Session Manager\Memory Management\PrefetchParameters\EnablePrefetcher

0 = disable prefetching
1 = prefetch application launch files
2 = prefetch boot files
3 = prefetch as much as possible

Setting this to 3, of course, is a good idea.

The Disk Cleanup utility doesn’t actually clean up all of your temp files as you might be led to believe. Instead, it checks the last access of these files and if it’s 7 days or less it keeps ‘em around. Fortunately you can fix this.

HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\CurrentVersion\Explorer\VolumeCaches\Temporary Files\LastAccess

# = number of days of retention

Personally I like 0 days. One good reason is that it’s nice to have the slate as clean as possible when defragmenting. (But if you’ve got an SSD you might want to leave this one be, as small writes exact a serious performance hit.)

Add a Copy To command to Explorer’s context-sensitive menu, where it’s always ready for use.

Just add the following key:

HKEY_CLASSES_ROOT\AllFilesystemObjects\shellex\ContextMenuHandlers\Copy To

with a default value of
{C2FBB630-2971-11D1-A18C-00C04FD75D13}

And, while you’re at it, add a Move To command as well. Add this key:

HKEY_CLASSES_ROOT\AllFilesystemObjects\shellex\ContextMenuHandlers\Move To

with a default value of
{C2FBB631-2971-11D1-A18C-00C04FD75D13}

Of course, neither of these do anything for system performance but may help your performance.

One-Car Garage

Thursday, December 18th, 2008
  • two Harley-Davidson motorcycles
  • one Jeep Wrangler
  • three adult-sized bicycles
  • two unicycles (24-inch and 36-inch wheels)
  • two floor-to-ceiling sets of shelves (spanning entire back wall, packed full)
  • one hydraulic motorcycle/ATV jack
  • one bolt-to-the-floor tire changer/bead breaker
  • two air compressors on carts (one a 2-cylinder commercial unit)
  • one eye-height tool chest (wheeled, full)
  • one vacuum cleaner
  • two 35-gallon recycling containers
  • lumber (approximately 120 cubic feet)
  • one folding workbench (yep, folded)
  • one set of two medium-duty automotive service ramps
  • three aluminum ladders (16-foot extension; 24-foot extension; 16-foot folding scaffold)
  • one 10-ton hydraulic log splitter
  • one 65-gallon trash can
  • assorted yard tools (shovels, rakes, hoes, brooms, and so on.)
  • and more small stuff (too various and numerous to mention)

The garage is packed kinda tight tonight.

There’s a storm coming that could dump a foot of snow – the largest snowfall here in about two years. I’ve got space outside to park the pickup, but I want the Jeep off the street.

It’s positively astounding what you can fit into a tiny space with just a little bit of planning!

Disaster Planning

Sunday, November 11th, 2007

I recently handled a routine data recovery job for a client. Well, routine for me but definitely not routine for the client. The drive was in a failed PC serving three users, a family. Photos, original art and music, school documents, college applications – all were at risk. The client was worried.
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