Wikipedia:Reference desk/Archives/Humanities/2024 April 1

= April 1 =

Two Eastern European billionaires--can't find the article and don't remember their names
I remember reading a while back about two Millennial Eastern European billionaires--in my head, Ukrainian--who intended merely to make a middle class income but ended up becoming extremely wealthy when they created a valuable tech startup. However, some part of this story must be wrong, because I attempted to find them in the Forbes billionaire lists from 1997 to 2023 and couldn't find anyone sufficiently similar. There was some comment on the page about a 25,000 (or so--might be more money, but not more than 50,000) a year income goal, and about how this was idiomatic wherever they lived at the time (in the same way as 9/9/6 has become idiomatic in China). I think one of the men had shoulder length wavy hair. I found them on a page listing regional rich people, probably related to Pavel Durov, but I can't find that page either. I'm now wondering if they might have been Latin American, but only because I've been searching Eastern European billionaires fruitlessly for hours. Any help would be greatly appreciated! Shmiggle (talk) 07:25, 1 April 2024 (UTC)
 * There are Nikolai and Pavel Durov of Telegram (software)... -- AnonMoos (talk) 10:21, 1 April 2024 (UTC)
 * Oops, didn't notice that you already mentioned one of them. None of the first images from a Google Images search show them with long hair, anyway. AnonMoos (talk) 10:25, 1 April 2024 (UTC)
 * Possibly Dmitry Bukhman and Igor Bukhman? --Viennese Waltz 12:56, 1 April 2024 (UTC)
 * No, I should have mentioned that I don't think they're siblings. Shmiggle (talk) 15:44, 1 April 2024 (UTC)

Mementoes in memory of Flaco
When Flaco (owl) died, many of his fans and supporters left mementoes under his favorite tree. A few of them were artworks, and some others were plush toy owls. After all of the memorial services in his memory, what has become of the mementoes? Anyone know?2603:7000:8641:810E:AFB5:A06F:298:5D33 (talk) 11:54, 1 April 2024 (UTC)

Credit cards question.
Let's say I had credit cards A and B with the same bank. Used credit card A actively until switched to B. If credit card A sits inactive for months, should I close it? Will the cc company complain? I generally think the answer is yes if that is the sole cc of a cc company, but if you have active and inactive ccs with the same bank/cc company, then that is okay? Does closing the inactive cc hurt the credit score? Thanks. 170.76.231.162 (talk) 17:08, 1 April 2024 (UTC).
 * I studied the effect of closing an unused credit card in the past. This is the source of the reason people say you shouldn't close the card:
 * Suppose that I keep a monthly balance of $500 every month. I have two cards. Each have $1000 credit. I am only using one of them. I am using $500 out of a possible $2000 credit every month. My utilization ratio is 25%.
 * Now, I close one of the cards. I remove $1000 credit from the calculation. My utilization ratio goes to 50%.
 * A higher utilization ratio reduces your credit score a tiny bit. So, keeping the unused account open will avoid that problem. Keep in mind that the extra credit card is not wihtout risk. First, does it have a charge? Some credit cards have monthly or yearly charges just to have the card. So, you have to ask if the charge is worth a few points in your credit score. Second, is the card secure? What if someone gets the card? With one card, you are protecting the information of one card. With two cards, you are protecting the information of two cards, one of which you don't pay attention to. If someone gets that card info and uses it, your credit rating will be hurt a lot more than if you just closed the card. 75.136.148.8 (talk) 17:36, 1 April 2024 (UTC)
 * There's also the age of your oldest open account. If card A is your oldest account, then it strikes me that switching back to A and closing B might be an option to consider.  I make no recommendation here; just a factor to look into. --Trovatore (talk) 23:49, 1 April 2024 (UTC)


 * Another factor to consider is that if you unexpectedly find yourself in need, an extra credit card could come in handy. ←Baseball Bugs What's up, Doc? carrots→ 00:44, 2 April 2024 (UTC)


 * Why would the credit card company complain? They're not making any money off of you. Also, I had a card that I didn't use for years. The issuing bank eventually just closed it without notice. Clarityfiend (talk) 11:01, 2 April 2024 (UTC)
 * This is why they require an annual fee. ←Baseball Bugs What's up, Doc? carrots→ 12:41, 2 April 2024 (UTC)
 * None of mine do. Clarityfiend (talk) 13:10, 3 April 2024 (UTC)

If you're keeping a monthly balance of $500 on any credit card, you should probably (a) close out all your credit cards, as you apparently can't figure out that for a mere 20% (quite low) interest rate you're paying through the nose to use someone else's money; and (b) not seek advice from a forum that clearly states at the top that we don't give advice. DOR (ex-HK) (talk) 16:57, 2 April 2024 (UTC)