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About cashnocredit

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    cash AND 800 credit

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  1. "Crows almost never breed before they're 2 years old. Most don't leave home to breed until age 4 or 5," he said. "While they wait for a breeding opportunity, most crows help their parents raise young in several ways. They help feed the incubating female, they feed the nestlings and fledglings, they defend the nest and surrounding territory and they stand guard over other family members while they forage." http://www.news.cornell.edu/chronicle/97/4.10.97/crow.html
  2. So any time you're feeling bad, instead of feeling sad just remember that ram. Oops there goes a billion kilowatt dam.
  3. “It has been a good week for bird brains!” said crow expert John Marzluff of the University of Washington Crows possess higher intelligence long thought primarily human - STAT (statnews.com)
  4. This^ Mortgage scores are especially sensitive to all cards reporting balances. You could see a mortgage score jump just having 1 less card reporting a balance. I saw a nearly 50 point gain on Mortgage FICOs when I went from all cards reporting a balance to one less. And the fewer with balances the better. Pay off the lowest balance to zero and don't let it report a balance in the future.
  5. Electric eels have a shocking tactic: hunting in packs : Research Highlights (nature.com)
  6. Yes, excellent first post. Rare. Too rare. @centex point of throwing in extra bucks beyond the min is a great idea. When you start, whether highest interest rates first or more evenly, pay at least twice the minimum on each card. This has the best chance of reducing the risk of balance chasing. It's well established that people that pay more than the min. have significantly lower risk than they would based just on FICO scores.
  7. Y'all gotta go back many, many decades. And common sense wasn't all that common which is why it's all just math (crunching statistics) now. As an aside, the days when many creditors reported payments made, not just balances, are long gone. Prepaying everything except letting a small balance report may help scores, but when a financial institution looks at a credit report, either manually, or automatically, to get an idea how profitable you might be as a consumer, they can't tell if you spend enough to make it worth extending credit. No matter how high your score. These days I just let balances report and PIF within the grace period.
  8. Obvious typo and almost certainly meant 2022 which is consistent with this: The sentence is also unclear but 80% are "bracing for longer-term effects" which probably is referring to "into Spring and beyond." Are writers required to take a mandatory class in obfuscation these days?
  9. I believe it. At my first company one of the engineers there was the nephew of the CEO/owner. He was a pretty good engineer. Still, there was a lot of chatter that he had some sort of edge because of blood relationship. But I never saw any evidence. I believed the nephew was at a disadvantage because too many just assumed he was given privileges when he wasn't. And I would have known. Had the owner showed any favoritism it would have been rapidly destructive to the work environment. The owner was as honest and fair as the day was long and I was reluctant to leave. But my desire to explore new tech just wasn't going to happen there unless I forced it and I wasn't comfortable doing that. But I still remember him fondly and his example shaped how I worked with others.
  10. Some people like fixer uppers. And Martin needs a lot of fixing.
  11. Jeez. What a pathetic guy. My experiences were mild in comparison. And the CEO and top execs set the tone. Bad behavior by them just permeates and good people leave. Like an old fish it rots from the head.
  12. Thought I'd recap a few of the more interesting things I've seen bosses (try) to do that I thought were marginal if not unethical. Background: I'm an electrical engineer that loves all things techie. First one happened after I was recruited away from my first job. The company was quite small (<100 peeps) and a competitor but it was a chance to work with technology my prior company didn't want to do. Within a month of working there the boss asked me to go on a sales trip and the goal quickly became clear was to deprecate the products my prior company was selling. I declined. Vigorously. It was never mentioned again. Years later, when the biz was much larger and I was by then the manager of R&D, the company hired a new CEO. A few weeks into his tenure I was requested to meet with him in his office. I was surprised that he didn't want to go over anything specific but instead, he called another manager on speakerphone and started chatting. He did this while I was sitting there without mentioning I was present. WTF? It appeared to be some sort of "you're one of my inside guys" kind of thing. Yuck. Later I mentioned this to a few others who said he did the same thing with them. It got around. He left a few months later. He wasn't missed. The guy that replaced him was great to work with. What sort of really dumb games have your bosses played?
  13. Yeah, that sucks but stuff happens. To everyone. Doesn't mean you are "not right." I can't know what you would find meaning and happiness in but I do know it isn't making a lot of money. Rather, it's doing things you enjoy and can share. You may find that doing things you are good at may be of help to others who aren't so good at those things. Look for them and help them. It's really a good feeling when you can help someone else out. Humans prosper when we find ways to help each other.
  14. Thomas Jefferson's sister married a direct descendant of Pocahontas, aka Rebecca.

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