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    Southern California

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  1. Many hotels have a 21 minimum. Call the property first to be sure. Most Motel 6 hotels allow 18 year olds to check in. While an 18 year old can join the Army but can't check in at the Hyatt sounds unfair, it is what it is.
  2. I'm now at 60,000. At the rate things are going, it could be next week when I can apply.
  3. My guess is some bigger fish swalling some smaller fish, although it's possible a smaller fish taking a small bite of a bigger fish. Big fish left: Fidelity Brokerage, Vanguard (brokerage), Merrill Edge (B of A), Goldman Sachs, Ally (brokerage), Chase/JP Morgan/You Invest. Smaller fish: Interactive Brokers (they tried to merge with E*Trade but couldn't agree), TradeStation, Firstrade, ZacksTrade. Other fish I'm unsure of: Robinhood, SoFi (brokerage).
  4. I would still keep open the bank account. Many years ago HSBC sold their credit card business to Capital One, except for their bank account customers, that they kept. It could happen again.
  5. Things are speeding up big time. Today I'm at 79,000.
  6. Link: https://finance.yahoo.com/news/morgan-stanley-buy-e-trade-123814554.html The account I've had for many years will now be transferred for the fourth time, making five times the same account has been part of different companies. Here it goes: 1) I opened a small account with Sharebuilder, that was one of the first brokerage accounts to allow buying fractional shares. I remember owning a small amount of Midwest Airlines in the account (about $20 worth). 2) Sharebuilder was eventually sold to ING Direct. 3) ING then exited the U.S. retail market and sold their accounts to Capital One. 4) Capital One decided they didn't want the brokerage accounts so they sold them to E*Trade. 5) Today Morgan Stanley announces they'll be buying E*Trade.
  7. I can't read it all, but until we can drain the Indian Ocean to find the flight recorders, we'll never know what really happened.
  8. I jumped 6,000 spots in line today for the debit card. I'm now at about 95,000. I just might not have to wait until the year 2525 to apply.
  9. I've read the HSBC job cuts/branch closures shouldn't affect the west coast because of a large Asian population. They recently opened a new branch close to me in Porter Ranch, CA. I never knew it was there until they called me and asked me to visit. I don't think it's in a good location as it's in the corner of the Valley. I don't think I'll ever be HSBC Premier. Nothing for me worth tying up $75,000 for. That said, the ability to open accounts at other HSBCs around the world for Premier customers is a benefit for people who need it. For example, if they have bills, own property, etc., in another country. Banks in many countries just don't want to touch U.S. residents or citizens because of FATCA. We're literally radioactive. HSBC Premier gets around that.
  10. One thing now is there are a ton of three year old used cars on auto dealers' lots. There are so many leases from customers who want the latest and greatest every three years. If you don't mind slightly used vehicles, that could be an option.
  11. I'm thinking limits get more generous with income. I don't usually post my income, but it's north of $100K. My FICO is north of 800. Also, my mortgage has been paid in full (I finished paying it off a couple years ago). This stuff helps with higher limits. There were three inquiries on my TransUnion in last year (now four with State Farm). Two were from an auto lease, The other is from the Apple Card.
  12. I don't have the card yet but do see the account and limit when I log onto State Farm. It's $14K.
  13. I never even knew Discover had a branch. 😕 Dear Burgerwars, Thank you for being a valued Discover Bank customer. This is a message for our customers who visit Discover Bank's branch in Greenwood, Delaware to conduct banking business. Please be aware that as of March 21, 2020, we will no longer accept deposits through the branch ATM. You may, however, continue to make deposits in person with a teller during business hours, or use the night depository, which is available 24/7. If you have questions, log into your account and send us a secure message. Or, call us any time at 1-800-347-7000 (TDD 1-800-347-7454). Our 100% U.S.-based customer service team is available 24 hours a day, 7 days a week. Sincerely, Discover Bank Customer Service
  14. People, um, I mean millennials, are so gullible. "Sure, person I've never met. Here's my debit card and PIN." I've seen suspicious stuff advertised on Facebook, along the lines of "investments." With Instagram, I'm totally lost. I don't use it.

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