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About pwd847

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    No Congrats Necessary
  • Birthday 08/16/1983

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    Champaign, IL

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  1. I will be ripping up flooring tile and replacing with laminate soon. Anyone have a suggestion for a good forum to ask questions about this? I did some searching, and none of the forums I found are very active. I was looking for flooring forums, but maybe I need to be more general and look for housing DIY forums?
  2. These links apply to the state of Illinois. I just found this. What a fantastic deal! https://www.ihdamortgage.org/smartbuy List of all Illinois programs. https://www.ihdamortgage.org/program-directory Lesson learned: Take a few minutes to do some research. It's free! Never know what you might find!
  3. I don't think leasing would work since she commutes about 25 miles, and I will begin commuting 35 miles on Jan 4th. Additionally (this sort of came out of the blue), I put an offer on a house due to finding this. My offer has been accepted. So now it looks like my focus is elsewhere. I'll resume my car search in a couple months. Apparently, I am able to get financed with a job offer letter, and transcripts showing that I've been in school for the last two years (as long as the job is in the field that the schooling was for).
  4. The whole reason I always bought with cash is because I despise paying interest. I hope to have the car paid off in under 36 months. We are shopping in the $27k-$33k range.
  5. For the last 20 years, I bought my cars with cash. This will change in 2021. I'm finally settling down with my girlfriend and her 2 boys, and we have a daughter on the way. I recently graduated with an engineering degree and received a job offer yesterday. All of this means that we need a different car. I have never financed a car before. I expect to start work in Jan 2021, so I won't have any pay-stubs for awhile yet, but I do have an employment offer letter. We will need this car by March 2021. I have FICO 8's in the 760 range (scores are from Discover, and Amex
  6. Due to this post, and the research the OP has done on the topic, I would suggest keeping small dollar amounts in the Chime spending/secured account.
  7. Oh no! I have a very large transfer that has already initiated going in to my Chime account. I wanted to take advantage of the 1.00% APY with no limit. Jeez am I nervous now... Up until now I had just been using it for P2P since I'm banned from Venmo.
  8. Can you dispute in a foreign language?
  9. Single columns are the only way to go !
  10. Chime Secured Card 1 ) Open a free Chime Spending Account NOTE: used to handled by Bancorp Bank which caused issues in transferring money too/from other banks. Not sure if this is still an issue. 2 ) Go in app and read about the Chime secured card that reports to CB's. NOTE: I have a link to join a waiting list, however my g/f was able to order the CC on-the-spot. She is grandfathered into the Bancorp Bank version of Chime. I am on the other bank (forgot the name). 3 ) After reading about the card (with no interest, and has APY on your deposit), sign
  11. My tenants rights organization actually invited me up there to give a presentation on how to clean up credit reports. I told them to go ahead and get the paper reports in-hand before I will even book a train ticket. 😉
  12. For my senior design project my group (my group == me) used the FastLED library and a Teensy 4.0 to make music reactive LED strips. The input music signal came through a 3.5mm audio jack and we used analog filters to isolate (or at least try to) low mid and tweet frequencies. Those 3 signals were passed through an op-amp and sent into the Teensy where our C code translated the low, mid, and tweet onto the 3 respective LED strips. Here is the block diagram Due to being a transfer student, I wasn't able to really focus on a specific discipline because I was busy catchi
  13. The emergency notification stuff is what I was really interested in at my internship (it was programming using flip-flops, NAND gates, etc...). However, they dont allow college students to touch those sorts of things that can literally bring the entire plant down. Oddly enough, the ChemE's are generally the ones who work the "controls", as they like to call it.
  14. Interesting point. Thanks for the advice. So I'm 37 years old, and I have a strong blue collar background...receiving, welder/mechanic at an electric motor repair shop. Also have significant leadership experience. Wanting to stay close to my blue collar roots, I took some power classes. I've interned at a chemical refinery (think of an oil refinery) for 1 semester and a summer. They have their own power grid that connects to the main grid but also they have several steam generators. I really enjoyed the ability to get out in the field and "sort of" get my hands dirty. I'm lo
  15. Supposed to graduate Dec 2020, but covid forced my employer to cancel my summer 2020 internship. Only had 2 classes left so just took those online. I'm finally done after 5 years! GPA is a hair above a B+, and it feels great! But now I need to get a job at a time that may prove difficult. University of IL @ Urbana-Champaign Electrical Engineering
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