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brazen

Mod Squad
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About brazen

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    Thing Two
  • Birthday January 1

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  1. All of your holiday shopping done? Is this year going to be light or heavy with spending money 🤣 are you scaling back your holiday festivities? I have to work Christmas Eve hopefully we will be off early. Christmas day will be just be usual. We have a budget for each kid and for each family member. But the procrastinator in me I have not started shopping yet. Fail. Lol I suspect the teenagers will be getting gift cards. 🤣
  2. I have great sympathy for those that lost their small businesses, and are legitimately job displaced due to the virus. Or those that are immunocompromised and can't work out in the public, or take care of elderly family members that have to be extra careful to exposure. We have a group of people in our state that gives everyone else a bad name that truly needs help, some of those collecting PUA. Some were receiving huge lump sums with the extra federal monies, and thought it was an opportune time for shopping for TVS and video game stations rather than catch up on bills, pay rent in advance etc, and be good stewards of their funds so it would go further. Multiple groups on FB to watch and see these trainwrecks, it is very sad. Then a month later starting a GoFund me because they cant pay their rent. I belong to a WAH group, where hundreds of employers are hiring remote workers right now, its a huge trend, the money isn't super high but its a starting point to put food on the table and make a car payment or whatever. I would post referring folks to groups to help themselves with employment they could do from home with a desktop and internet. I got crickets and excuses, so I stopped trying to suggest ways to help themselves. I get empathy, and I know everyone is a human being, and deserves help, but it isn't meant to be unlimited, it is meant to be short term until you can help yourself. COVID is here to stay most likely, IMO much like the flu, with a vaccine each year. But at some point you have to put your big girl panties on and help yourself. Our teenager, got a job right after COVID started because everyone was hiring, and her high school was remote. She banked a ton of money and bought her first car. She took the necessary precautions, wore a mask, and followed all the guidelines. If she can do it anyone can do it. It sucks that there are no hard and fast answers as we are all in this unprecedented time, each facing our own challenges. I wish everyone struggling to find their own lights at the end of their tunnels. I think that's what makes our country truly special is you are in charge of your own destiny and income, only capped by your own limitations. I hope you all stay happy and health. JMHO and 2 cents. Blessings to all of our CB family.
  3. Doesn't surprise me. Folks that were laid off getting a royal screwing in some states, as Unemployment Insurance is old and slow, and not capable to process that many claims. Plus folks living paycheck to paycheck, recipe for disaster. In our state, claims going on ten weeks old, lots have not been paid out.
  4. Nice find! Looks like they have a secured cc also, might be a good option for rebuilders.
  5. Yay!! Congrats thats a great increase and start!
  6. God yes. Where have all the legends gone? ☹️
  7. Exxon is retail. Is your bk from 14 reporting? You may be able to get Best Buy. But as far as their brands cards unlikely. Jmho
  8. God yes. Some family is just plain toxic! Sounds like the person is manipulative.
  9. Only good thing in MRE's is the Tabasco, idk if they even put that in those anymore.
  10. I've been getting $3,000 on each of two cards every six months for several years with only a SP. The six-month mark should be in a few days, but I tried a bit early and got the same crap as Hawaiigirl: "Maximum limit without HP. This includes all Citi cards including gas and commercial cards" or something like that. My total exposure with Citi is only $90k, counting a gas card. I might let them have a hard; I'm thinking about it. I'm right at $50K exposure. Still haven't gone for the HP, but might do that in the next month or so. I want to let a couple of new cards age first. Let us know what happens if you decide to go for it. Sent from my SAMSUNG-SM-G935A using Tapatalk I'm leaning towards not going for it. Several years ago I had an adventure with Citi over POI. Seems that in their extra-chromosomed-brain a military LES is not a pay stub. The analyst, adding insult to injury, claimed to be a current reservist and I went nuclear on him. A BBB complaint proved fruitless, but a highly toxic letter to my favorite senator got Citi to find religion. I'm not convinced that Citi doesn't have other inbred trash in their underwriting department. Although I love a good fight, right now there's too much going on that would prevent me from truly enjoying it. I'll give it a month until after my vacation and then get ready for another brawl. You probably got a newbie. I would of escalated. What state were they in? Not sure which state, but they were not overseas agents. It was an "underwriter" from their Citi Retail division. Not sure if I posted it, but I did give the normal Citi people (Forward, DC etc) a hard pull and they gave me an extra $20k. Fast and efficient. Waiting to see if that will return me to the 6-month regular soft-pull CLI list. Retail, says it all 🙊
  11. brazen

    Pool financing

    Even better is simply getting the 8.25% generic bleach at Target or similar stores for less than a pool store wants to charge. Even the 10% at Home Depot at three gallons for $10 is a better deal than a pool store. Same thing on muriatic acid, although Home Depot is up to $6 a jug this year.Depending where you live you are spot on. In NE Florida Pinch A Penny is quite cheap and they get a fresh truckload every week. Either way bleach is bleach. Old bleach is not worth getting though...date coding seems to be consistent amongst the companies that bottle it. The three-jug boxes at Home Depot will have it stamped on the box...as long as it is not stored where the sun is hitting it, one is generally good as long as it is no more than about two months old. The current pallet had boxes showing 18 122 (122nd day of 2018). My local Target is frustrating since they keep shoving the old stuff to the back of the rack. There are still a few bottles marked as 17 237 (which means it dates to August of last year). Newer stuff coming in has been April dates but I have concerns since they have taken the percentage off of the label. This was actually what moved me over to Home Depot. That is very good to know!! Hopefully we will know soon after estimates. 🤗
  12. brazen

    Pool financing

    Even better is simply getting the 8.25% generic bleach at Target or similar stores for less than a pool store wants to charge. Even the 10% at Home Depot at three gallons for $10 is a better deal than a pool store. Same thing on muriatic acid, although Home Depot is up to $6 a jug this year. DH and I were talking about this yesterday he agrees with you guys.

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