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DRTDEVL

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About DRTDEVL

  • Birthday 08/09/1976

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  • Location
    I am here... Wherever that happens to be at the time.
  • Interests
    4 wheeling, reading, just chilling, and yea my wife, too.

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  1. My closest "Local" branch is about 800 miles away.
  2. I have been a USAA customer for over 20 years, and have been generally happy with them, but there is one thing I don't get with them... credit approvals. Upon my divorce, I filed CH 13. It was discharged January 2021 but did not show up until the end of February, at which time I applied for a $1k secured card with NFCU. Approved. I applied for a $2500 secured Discover card. Approved. USAA said they no longer offered secured cards, and invited me to apply for a regular card. Denied, of course. I used the crap out of those cards during the ensuing months, running them up near max and paying them off numerous times every month while reaping the cash back rewards. Fast-forward to September, 6-month review by NFCU. $500 CLI. December's second review? Deposit returned, and CLI to $2k. November's first review by Discover? Deposit returned, CLI to only $2700.🤨 On a whim last week, I decided to ask NFCU for a CLI to $5k. Approved. FICO showing 684 from Equifax. Next up, I decided to apply for a credit card (again) from USAA. Instant denial. FICO showing 715 from Experian. Income = $95k for me. I am remarried, but did not use my new wife's income nor information (for reference, she has 2 CC's from USAA at $30k each and a FICO of 817). What is it? Does USAA have a longer minimum time after BK before approvals? They were not burned in the BK, either, as I paid off and closed both credit lines I had with them before filing BK, just a pair of $500 CCs. The only other thing I can think of is there is some blemish on my record with them that I am unaware of due to my ex-wife's actions during the long, drawn-out divorce proceedings in a community property state. I am hoping its just a rule or general stinginess... in fact, in 2009, they were the only company out there that did not pre-approve me for a mortgage.
  3. Late 90's Saturn S-Series, but only in 5-speed form. Up to 42 mpg, depending on how driven, excellent reliability, the plastic body panels will never show rust, and cheap. How cheap? Under $1500 cheap. One of the cheapest cars to insure. Low value = low registration costs. And the automatics were the darlings of the rental car fleets at the time, so there are hundreds in the local junkyards for an eternal supply of used parts. I miss my 98 SW1 station wagon, but my back told me to sell it. I really didn't fit into the thing at 6'5", 230, and only sold it due to my back hurting more and more every month I got in and out of that car every day.
  4. Almost forgot... the pic requests. Here *we* are, just 4 months ago.
  5. Dirty condenser. Its like a little radiator for the air conditioning.
  6. Place ribs on foil. Rub a mix of brown sugar, cayenne pepper, lemon pepper, paprika, garlic powder and season salt on them. Flip upside down. Fold up the edges of the foil to catch drippings and fill the "canal" of the rib rack with beer. Seal foil package. Place ribs on propane grill with only one burner running on the lowest setting. After 2 hours, carefully flip rack to where the meat is up and bones down (yes quite a bit of beer and juice will spill out). After 1.5 hours, unwrap ribs and gently remove the foil from underneath. Baste with your favorite sauce (mine would be Sweet Baby Ray's Hickory and Brown Sugar for this recipe) Let caramelize on ribs for 20-30 minutes, still on the lowest setting. Use large tongs to carefully pick up the entire rack at once. I guaran-dang-tee you these will be the sweetest, tangiest, falling off the bone ribs you will ever have, all without cheating by boiling or baking them. Enjoy!
  7. It has a leak. It is a sealed system and should only need more refrigerant if it leaked out. Your compressor is cycling due to triggering the low pressure switch in the system.
  8. Sorry to disappoint you, Pam, but it is what it is. We could just get the band back together to start responding like crazy in order to bury the explanation within the massive thread and all the newcomers to the thread would be told "the answers lie within" and "you have to read the entire thing in order to understand, no skipping forward" just for the fun of it...
  9. OK, here’s the deal: First of all, most people would want something of this nature removed from the posterity known as the internet ASAP. I, however, am not one of those people. For a long time I was hurt and embarrassed by this thread, but I don’t shy away from my shortcomings, I face them head-on. I would like to invite the mods to let this remain open and available for all to see. This entire thread can be taken as a life lesson. If your relationship is in a fragile state, choose your words wisely, else they be taken the wrong way. I will start off by apologizing to Jen23514 for dragging her into this mess. No, we were not involved in any way, shape or form, but I happened to direct a misogynistic term towards her that was common in my vernacular at the time… “Babe.” Yes, I commonly called women “babe” without ever considering not only how they might take it, but how DW would react if taken out of context. She may not have even realized that it was her, but alas, she was “Babe.” Neither Squirrel Girl nor Snorkella DeVille were a part of this mess. I can verify that Snork’s name change had absolutely nothing to do with me, although I cannot verify that it had anything to do with her mother. We didn’t know each other well enough to have involved family relations in our conversations. I can also verify that SG and I flirted a bit, but no, there was never anything further. No, I didn’t shove her into the courthouse as has been suggested, but we did discuss everything going on with her situation and I was on the side of her splitting at the time. As for the specifics? Those are for her to say if she would like. From what little I know, she dove into her running hobby/habit in the past few years and has now run 50 half-marathons in 50 states. Congratulations, SG! The nekkid redhead pics were a matter not related to CB, and just a case of DW doing what women do best… bringing up really old ish during a fight. That was rehashing something from the past as if it were the present. Not that I was innocent, or anything, but it was unrelated in its entirety. Yes, there were dark times in my relationship with DW. There was a time where it looked as if the big “D” was imminent. But, as with everything, there is more to the story. Apparently the Lord was not ready for us to go in different directions and intervened in a way nobody could have imagined. In July 2008, DW was hospitalized for a moderate to severe bout of unexplained symptoms. This was not the first time she had them, but it was definitely worse than before. I was sent back to Germany due to her hospitalization and we finally communicated in a way that had been lacking for years. It actually took her having a moderate stroke for everything to be laid out on the table and for us to continue as a married couple. As a part of this, I did give her all my passwords, thus the Facebook message being seen that fueled this thread. Yes, she has issues with spelling, grammar and context, but this is a side effect of numerous strokes over the years. Ischemic strokes affect everyone differently and the severity has a lot to do with the amount of residuals. In her case, the worst strokes have been affecting the parts of her brain that control balance, vision, reasoning and communication. This would be the reason for the confusing title, erratic prose and decision to post this thread. Fast forward in time… we reconnected as a couple. We bought a house in 2010, thanks to CB. I recently retired from the Army in El Paso, where they shipped us off after Germany. I now work for an energy company in the Bakken of North Dakota while DW is in Texas maintaining the house and caring for our fur-babies. She is also now classified as a Disabled Veteran and receiving care through the VA for her conditions. The part she was ridiculed on by other military spouses where she mentioned that she did more for this country as a German than they did? What she never finished communicating was that she served in the US Army herself from 1999-2003 and the Reserves from 2003-2005. Things have been much calmer in the DRTDEVL household, now that we have medical diagnosis for her actions as well as a change in my personal behaviors. No longer do I make personal connections over the internet, I mainly use it to keep up with old friends and research how to do things for myself in order to save money, hence the reason I returned… an OC necromancing a debt and 1099ing me for it over a decade later. That would be the express mail to the IRS, as they only give 30 days from the date of the notice to dispute and I had to have the notice sent here to ND from Texas in order to send off my dispute. The deadline is tomorrow, so I had to send it express yesterday. I guess I will just have to write off that express mail on my taxes, eh? There are entire chapters left out of this story, but I feel the most pertinent questions have been answered. Did I miss anything?
  10. And the suspense continues... I wound up working OT last night and didn't get home until 10 am. I had to then get up at 2 to express mail something to the IRS and get back to bed. I am now rushing to get ready for work again, DOT says I have to have 10 hours off between shifts, that time is up in 25 minutes.
  11. Well... I had a huge response typed up. As it turns out, if your finger slips off the "SHIFT" onto the "CTRL" while hitting "W," the window closes. I have to run to work now (night shift)... Perhaps I can type it all in again tomorrow?
  12. Interesting... A few years back, I applied for a loan of $34k on a $54k truck ($8k down, 12k discounted end of year model). Denied. Went to credit union, had check ready when I took delivery. Moved back to the USA, bought a house. USAA declined pre-approval of mortgage. Wells Fargo pre-approved for $169K. I ended up pulling a rope-a-dope and used a local mortgage company who financed our $128K house for 0.25% less... and always sold all their paper to Wells Fargo within 60 days of inception (yup, my mortgage is with Wells Fargo now). USAA card? *Had* a $3k limit. When the card was expiring they sent a cancellation notice instead of a new card. I responded by paying off the balance immediately. Don't want to extend me credit, you don't get my interest money. Been a member for 14 years, insurance for 9. Why they pull crap like this is beyond me, I have now moved my primary banking to an actual bank (Chase) that is willing to do business. If I were in El Paso (my current residence), I would be using the local Credit Union as my primary; for now it is a secondary account.
  13. Amazing that this thing is not only still around, but being bumped on occasion. Yes, I am alive. Yes, I returned. Yes, it would appear "babe" is still an active member of the forum, too. Now that a few years have passed, I can look back, reflect, and possibly explain a bit of this madness... or would you all prefer it remain shrouded in confusion and mystery?
  14. I agree with everything above. I was POed, obviously, and went off the deep end. Been busy as heck up here in the Oil Fields, I finally typed a new letter out this evening. This is what is heading to the IRS Monday.
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