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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads


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    Southern California

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  1. Link: https://www.thedenverchannel.com/news/investigations/-it-was-everything-thornton-woman-lost-35k-stored-in-freezer-exchanged-by-costco
  2. Burgerwars

    Today's Scam: (347) 378-5602

    I almost forgot: People who violate Do Not Call should be sentenced to death. Quick executions too.
  3. Burgerwars

    Today's Scam: (347) 378-5602

    The IRS has been calling me every couple of weeks, saying I'll be rotting in prison, unless I call them immediately. I live dangerously, I haven't called. They haven't come to take me away. Maybe they can't find my house.
  4. Bring your Capital One credit or debit card with you. It's only on drinks and only at Peet's Coffee inside Capital One Cafes. That's only 39 locations in the U.S., but if you're near one you get a discount. I'm in downtown L.A. about once a month. I might try next month.
  5. I prefer ball point pens, and burgers too.
  6. I'm still predicting an index fund with a negative fee. Maybe something like -0.01% so the fund company that does this first will be splattered all over the financial news. It won't even be a loss leader, since the fund company can earn money just holding billions of dollars in stocks and from order flow. The Robinhood model of no commission stock trades may become the standard. Gone to the dust heap of history will be your father's stockbroker, earning commissions from "hot tips" that they've called you saying you got to "buy it now, before it zooms." Of course, they earned another commission when you sell a few weeks later for a big loss after you figured out this stock is a piece of crap.
  7. How do you make sure they are not closed for lack of use? Without having an inventory/spreadsheet, how do you track what you have? I do have a list I check-off. Credit cards (Visa, MasterCard stuff) are used every three or four months. Just buying a pencil is enough to keep them active. Debit cards are used at least once a year. Off the top of my head it's about 90 active Visa and MasterCards (credit and debit cards) plus Amexes, Discovers, Union Pay. They're from banks in the U.S., plus Canada, UK and Australia. I had JCB but they recently discontinued U.S. accounts. I don't carry them with me except for a few. When I rotate through them I take them out of a safe.
  8. Do you open them because you will lose some or are you addicted? 🙂 Both. I can't figure out who is best, so I get them all. Actually not all, since that's impossible, but it's a lot. I do have to space applying out, because Chex/EWS inquiries can be deadly. The same with credit cards. As far as the exact amount I have, I don't know off the top of my head. I'll need to take inventory.
  9. It wouldn't hurt me much either. I'm embarrassed to say how many accounts I have around. With Chase, my checking account and two credit cards I didn't originally apply with them. The checking account goes back to Great Western Savings that became Great Western Bank that got bought out by Washington Mutual that then went bankrupt and was acquired by Chase. One credit card was also from Great Western. The other credit card was a Cal State Northridge Alumni Association card issued by Capitol One. They ended their agreement with it being transferred to Chase and converting to a regular Chase card. A long time ago I actually applied for a job with Great Western, when they had a lot of their operations in a bunch of office buildings in Chatsworth/Northridge, CA. They never hired me. I'm OK with that. I wonder what happened to all the employees over there as the company slowly went under.
  10. I remain under the radar with Chase. I have few transactions in my bank accounts, and even fewer on my fee-free credit cards. They never bother me. It has been well documented by others that they close many accounts of customers who have a felony record. I wouldn't rely on Chase as my only bank. Who knows all the other reasons they may close accounts for.
  11. I've had my PenFed card longer than yours, and have 270 points. Not even enough for one used condom. All my fault. I concentrate my spending on an airline miles card. I've done ok there.
  12. I had to open my account in person with Los Angeles Federal Credit Union. When I applied online their system said it couldn't fully verify my identity so I needed to go to a branch to complete things. Basically, anyone living in Southern California can apply by donating $5 to some organization. While at the branch the representative asked me about my Chex inquiries. I was thinking there was only one inquiry in the last six months, but there might be two. She asked me about them and I replied I took advantage of a bonus offer. Afterwards, I thought that was a bad response, but she was ok with that. She said the credit union thinks having three in the past six months is too many, but they can see the past five years. They also did a hard inquiry on Trans Union. I knew I was ok there. Only one hard inquiry on TU in the last two years, that now is two after opening this account. As I've mentioned before, inquiries do matter on Chex and EWS. I can't forget being literally thrown out of a bank branch three years ago because of this. Don't go hog-wild opening bank accounts. As far as this credit union, I may apply for their credit card in the future. I'm also thinking maybe a home improvement or car loan, but I don't have a need just yet.
  13. Burgerwars

    Good to be back here

    Wow! I thought I was the only person with one that also has one of those Kazakhstan bank Infinity cards with diamonds on it along with a Centurion card. They all get me what I want at McDonald's.
  14. Burgerwars

    Good to be back here

    I got banned from a different board. I could have easily created another login using another email, but decided they're losers over there. Besides, I lost interest in the place years ago. It's their loss, not mine.

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