TheVig Posted July 18 Share Posted July 18 19 hours ago, hegemony said: I just cant... this siggy file... I know Disney fanatics who pee away insanely large sums of UR and MR every year on Disney vacations. Even they don't have a Disney card. They know better. hegemony and Big Bear 2 Quote Link to comment Share on other sites More sharing options...
binaryhermit Posted July 18 Share Posted July 18 I'll bite, what's so bad about the Disney card? Quote Link to comment Share on other sites More sharing options...
scott31337 Posted September 1 Share Posted September 1 On 7/17/2023 at 9:27 PM, hdporter said: After tirelessly kicking the lame horse for 7 years now, maybe time to put this thread out of its misery? Don't get me wrong ... I've taken as much near-salacious pleasure in the content as anyone might. But there's a sadness hanging over this thread for me now, much akin to that which started to plague "people of walmart". I'd welcome a capstone ... or maybe this should just "go out with a whimper" ... Just a suggestion; not attempting to assert mod privileges! I can always elect to pass by the topic if it still floats anyone's boat! Although I'm a little late - I enjoy coming to this thread. That and the Credit Limit increase thread. I used to be zero - and built it all up. So I do find this place comforting. I've learned so much here - but yes, many on MyFako have not. Quote Link to comment Share on other sites More sharing options...
scott31337 Posted September 1 Share Posted September 1 (edited) On 7/1/2023 at 7:19 PM, RehabbingANDBlabbing said: Ughhhhh I’m gonna have to buy a new car soon myself. My current car (2018 RAV4) is almost paid off and I have been waiting patiently for that, but now our second car is having some major issues that are gonna cost several thousand to fix and it’s not worth the cost to repair it. I think Im gonna get something cheap like a Toyota Corolla or Honda Accord. I’m replacing a 2011 Cadillac CTS and I want something without all of the various little annoying GM problems. I hope you do. I bought a 2008 Toyota Corolla back in AZ with 138k for $3500 years ago. It's got 189k now and has never left me stranded. I plan to run it into the ground. I'm going to get tired of that car before it falls apart. But not enough tired to go back to car payments. Edited September 1 by scott31337 RehabbingANDBlabbing and TheVig 1 1 Quote Link to comment Share on other sites More sharing options...
TheVig Posted September 10 Share Posted September 10 Maxed out the furniture store card. https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Nebraska-Furniture-Mart-NFM-CC-Approval/td-p/6707518 scott31337 and 8ball 1 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted October 3 Share Posted October 3 Quote Discover just cut my credit line...I'm pissed! 8+ years of perfect history and build of my credit line from nothing to $23,600, and they cut it to $6800. What can I do? 7 years and 6 months of perfect credit history with them and never late. No notification until I checked my account and saw they were able to send me a letter today but they're not open to discuss this until Monday! I am angry... there's always more to the story... Quote Well...Discover can frankly go F themselves. Perfect history since my BK7 and perfect history with them. I just got off the phone and had a lengthy conversation with Portfolio Verification. They could care less. I went above and beyond explaining my credit report to them and verbal income verification. I told them it was unacceptable that they were harming my credit by putting my utilization at 99.9%, which, after 7.5 years, is a poor way of showing me you value me as a customer. I went from 28% UTIL to 99.9%! They would not budge. Discover will be eliminated from my stable of credit, and I will feed NFCU their business. Big Bear, TheVig and MP80 3 Quote Link to comment Share on other sites More sharing options...
TheVig Posted October 3 Share Posted October 3 1 hour ago, hegemony said: there's always more to the story... Classic, textbook example of balance chasing. Doesn't matter if its Discover, Chase or Amex. They are just getting ahead before things go more sour for them. MP80, hegemony and Big Bear 1 2 Quote Link to comment Share on other sites More sharing options...
MP80 Posted October 4 Share Posted October 4 (edited) 5 hours ago, TheVig said: 6 hours ago, hegemony said: there's always more to the story... Classic, textbook example of balance chasing. Doesn't matter if its Discover, Chase or Amex. They are just getting ahead before things go more sour for them. Balance Chase is a dangerous proposal to anyone who encounters it, this kind of negative adverse tendency towards a client further exacerbates the max-out of the credit account to damage the client's credit profile telling you that this creditor doesn't want you to be a customer anymore. We have an idiom proverb for such an incendiary scenario... Talk about falling into a well while faced with rocks thrown at you to make things worse! Edited October 4 by MP80 StarkRaven$, hegemony and TheVig 3 Quote Link to comment Share on other sites More sharing options...
TheVig Posted October 5 Share Posted October 5 On 10/3/2023 at 9:51 PM, MP80 said: Balance Chase is a dangerous proposal to anyone who encounters it, this kind of negative adverse tendency towards a client further exacerbates the max-out of the credit account to damage the client's credit profile telling you that this creditor doesn't want you to be a customer anymore. We have an idiom proverb for such an incendiary scenario... Talk about falling into a well while faced with rocks thrown at you to make things worse! I remember way back in the day when BofA chased me. Not fun. I’d like to see what other crap is going with his credit. It’s not just Discover piling on the crap. I’m sure of it. hdporter and StarkRaven$ 2 Quote Link to comment Share on other sites More sharing options...
hdporter Posted October 6 Share Posted October 6 On 10/3/2023 at 9:51 PM, MP80 said: Balance Chase is a dangerous proposal to anyone who encounters it, this kind of negative adverse tendency towards a client further exacerbates the max-out of the credit account to damage the client's credit profile telling you that this creditor doesn't want you to be a customer anymore. I disagree. I'm secure in the assumption that creditors who balance chase view the balance on this account, and debt with others, to show insufficient repayment progress (and, may in fact reflect a steady increase on lines, with insufficient repayment on any of them). In other words, I'm in @TheVig's corner. The message isn't that the creditor doesn't want to do business with you; they just don't want to extend you any further money until your credit picture is better. Pull it together and reduce your outstanding debt and they'll LOVE to extend you more credit (at a standard rate of 23.9% or higher). Quote Link to comment Share on other sites More sharing options...
MP80 Posted October 6 Share Posted October 6 5 hours ago, hdporter said: The message isn't that the creditor doesn't want to do business with you; they just don't want to extend you any further money until your credit picture is better. You have to look back to the 2000s or so to get modest treatment from creditors. Nowadays, lenders rarely play this game with you when you build up a large balance because, as you mentioned, they see a lack of progress in your repayments while you continue to stretch and stretch out the high balance, which is hard for them, so it was unacceptable. As many recent case events have shown data describing credit card account balance chases ultimately result in the closure of the account after full payment. This is why I say creditors no longer want you as a customer. An AI algorithm activates balance tracking on a customer's credit card account, which will remain capped until it's paid off. Even if you promise to zero out the account and not being close by the issuer, you're barely getting half of your credit back. I give kudos to folks who have funds reserved to immediately pay off and close the account for dealing with banks that act aberrant to decent people. RehabbingANDBlabbing 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted October 6 Share Posted October 6 Quote Need 2 Cards asap..Both are with the same bank So I finally closed. I need Care credit and Sleep number. Both are serviced by sync. I preq for care credit with descent limit. Would it hurt to apply for both in the same month? What would you do? E! Quote Link to comment Share on other sites More sharing options...
hdporter Posted October 6 Share Posted October 6 Hege, I know you think sync is the pits. But it seems that your myFICO sensitivity meter is far more easily triggered since returning from your "CB break". Or maybe I should start a companion thread, "HD condones this myFakO crap" ... seriously, the guy is just looking for a reality check. I think you should chime in on that thread and offer a bit of balanced perspective! Quote Link to comment Share on other sites More sharing options...
hegemony Posted October 6 Share Posted October 6 1 hour ago, hdporter said: Hege, I know you think sync is the pits. But it seems that your myFICO sensitivity meter is far more easily triggered since returning from your "CB break". Or maybe I should start a companion thread, "HD condones this myFakO crap" ... seriously, the guy is just looking for a reality check. I think you should chime in on that thread and offer a bit of balanced perspective! nothing to do with synch. just closed on a house but needs to finance a bed and medical/vet. Quote Link to comment Share on other sites More sharing options...
hdporter Posted October 7 Share Posted October 7 5 hours ago, hegemony said: nothing to do with synch. just closed on a house but needs to finance a bed and medical/vet. Sounds like our first house purchase in 1991 (and we only put 10% down ... seller carried financing). Getting a toe into the housing market is critical to building wealth (best opportunity); of course, there's room to exercise some caution at these prices. And yet, were I a first time buyer and could get into a property w/ a 10% down payment, I'd view the potential upside as dwarfing the downside ... "full speed ahead" (even at the cost of depletion resources aside from a modest reserve against job loss and two year's upkeep). So, we're far from cash poor,, but in the last month we've decided to start window shopping for a retirement home purchase (expected retirement is 4-5 years out). Since we can front a cash purchase, mortgage rates aren't a concern. (Note, we carry a first mortgage on our current home in the amount that approximates the purchase price on this retirement property ... we're carrying cash in lieu of paying down the mortgage. So, effectively, while we own our primary home we funding the retirement home purchase at our mortgage rate, 2-3/8% (15 yrs). I reason that there's good reason to believe that current prices (high as they are) are being held in check by present mortgage rates. If inflation is brought lower, rates will come down and the market will likely flood with new prospective buyers. Under that rationale, it worth speculating a buying the retirement home now. btw, I'm not concern about the future appreciation/depreciation of this new property ... it's our "forever" home, for all intents and purposes (but it would be nice to realize something on the sale at such time we move into assisted living ... hopeful 15+ years down the road. ---> And is often the case with "best laid plans" ... a monkey wrench was thrown into the works by the lasted update on Bev's health crisis. She was diagnosed with Leukemia today. I'll save the details, but there's good reason to believe we caught it early. There is a silver lining to her covid infection of 3 weeks ago ... it sent her immune system into a tailspin and, as a consequence of her Leukemia disorder, prompted her body to pour while blood cells into her blood stream. Levels were sky high today. Were it not for Covid, the Leukemia (which has initial onset symptoms that largely parallel those she already experiences as a consequence of her CIPD diagnosis (3 years running now) it's likely we wouldn't have caught on to the new disorder for months, if not more than a year, down the road. Everything's on hold until we get a thorough prognosis for her illness and what to expect. They transferred her at 10p tonight from our local South Shore Hospital (a Mass General affiliate) to Mass General downtown. I share further as things develop. ------ OK, so Bev has been flat on her back at home since Wed pm, having rolled out of bed and unable to catch her fall due to dizziness. I couldn't lift her and she was unable to assist much because her legs are near useless. (That set on last Friday). She finally consented last night to my calling an ambulance to take her into the hospital. Love living in suburban Boston! While I was still on the phone with 911, the EMT's rolled up in front of the house, along with a local cop and a fire engine. The short of this story is that one of the EMT's remarked on a couple of chirping smoke detectors. One is too high for me and inaccessible (I'm not as steady on a ladder as I once was). The other joined in the melody a couple of weeks ago and I've had my hands full. So, next thing I know, the Fire Captain comes into the house with a handful batteries and said, "the town has a program for seniors to replace smoke/CO detector batteries free of charge. He proceeded to replace every battery on (I think) 9 devices. I sheepishly profusely thanked him (my face was likely scarlet red)! TheVig and StarkRaven$ 2 Quote Link to comment Share on other sites More sharing options...
hdporter Posted October 9 Share Posted October 9 Odd place to continue a "hospital thread", but I started here ... In any case, I'll try to be brief with an update: Bev's been getting a near continuous series of IV's ... RBC's, plasma, platelets, along with a thorough antibiotic regimen. They have a preliminary diagnosis of the Leukemia type; they need the results of a bone marrow draw to definitively nail down. I anticipate it will be done tomorrow (akin to a spinal tap ... Bev had one in conjunction with her CIDP diagnosis a couple of years ago and came away with "flying color", so I'm hoping she's not too stressed out for this procedure). a The diagnosis is acute promyelocytic leukemia - APL (I'll leave it to the reader to check out details, if interested). So a nurse comes in with a pill,, saying that they've decided to start treating for that since they're reasonably confident that the marrow draw will confirm. Out of curiosity, I ask the drug name and she says she'll check. She returns with a 2 page "drug fact" summary. I look at it and my mind goes "WTF - she's grabbed the wrong sheet!" I started reading and, sure enough, this was the stuff. The drug is tretinoin. I'm sure some recognize the name. But I'm astounded that she's being treated with the stuff I used to slather on my face in my early 20's to deal with ACNE! Yeah, that's the generic name ... the brand name is RETIN-A. In a similar mechanism to how Retin-A alters the function of skin cells to produce a steady stream of sebum, etc, thinning it out to reduce pore clogging, Retin-A has been found to have a corrective action on bone marrow tissue, correcting the production of mis-shaped leukocytes (by, among other things, suppressing the action of two key malfunctioning gene chromosomes), restoring the proper white blood cell shape. FWIW, this cancer type as a very strong prognosis for remission (and possibly a CURE), and a longevity that is near normal. < ok, "brief" was a lie. I'm simply fascinated by the medical mechanics here! > So, Bev got her first solid meal in 2 days last night. (truly, she's been managing only about 300 cal, at most, daily for most of a week now!). Sliced roast turkey, potatoes and gravy. It actually looked very appetizing; I thought to myself, this is great! She'll only eat a 1/3 and I'll get dinner . Bev proceeded to demolish every bit on that plate!! I was left pulling something out of the freezer when I got home ... Things are definitely looking brighter . They still suggest given presence of infection and serious weight loss (and the presence of a recent slight cranial bleed at two sites), that they'll likely keep her a full 2 weeks to make sure everything is in check. (Oh, and this episode has blown out a modest diabetes condition ... her blood sugar was sky high on admission ... she must have tapped a latent pocket because I know it didn't come from a food source! She's on insulin for the first time.) TheVig, MarvBear and StarkRaven$ 2 1 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted October 9 Share Posted October 9 21 hours ago, hdporter said: Odd place to continue a "hospital thread", but I started here ... In any case, I'll try to be brief with an update: Bev's been getting a near continuous series of IV's ... RBC's, plasma, platelets, along with a thorough antibiotic regimen. They have a preliminary diagnosis of the Leukemia type; they need the results of a bone marrow draw to definitively nail down. I anticipate it will be done tomorrow (akin to a spinal tap ... Bev had one in conjunction with her CIDP diagnosis a couple of years ago and came away with "flying color", so I'm hoping she's not too stressed out for this procedure). a The diagnosis is acute promyelocytic leukemia - APL (I'll leave it to the reader to check out details, if interested). So a nurse comes in with a pill,, saying that they've decided to start treating for that since they're reasonably confident that the marrow draw will confirm. Out of curiosity, I ask the drug name and she says she'll check. She returns with a 2 page "drug fact" summary. I look at it and my mind goes "WTF - she's grabbed the wrong sheet!" I started reading and, sure enough, this was the stuff. The drug is tretinoin. I'm sure some recognize the name. But I'm astounded that she's being treated with the stuff I used to slather on my face in my early 20's to deal with ACNE! Yeah, that's the generic name ... the brand name is RETIN-A. In a similar mechanism to how Retin-A alters the function of skin cells to produce a steady stream of sebum, etc, thinning it out to reduce pore clogging, Retin-A has been found to have a corrective action on bone marrow tissue, correcting the production of mis-shaped leukocytes (by, among other things, suppressing the action of two key malfunctioning gene chromosomes), restoring the proper white blood cell shape. FWIW, this cancer type as a very strong prognosis for remission (and possibly a CURE), and a longevity that is near normal. < ok, "brief" was a lie. I'm simply fascinated by the medical mechanics here! > So, Bev got her first solid meal in 2 days last night. (truly, she's been managing only about 300 cal, at most, daily for most of a week now!). Sliced roast turkey, potatoes and gravy. It actually looked very appetizing; I thought to myself, this is great! She'll only eat a 1/3 and I'll get dinner . Bev proceeded to demolish every bit on that plate!! I was left pulling something out of the freezer when I got home ... Things are definitely looking brighter . They still suggest given presence of infection and serious weight loss (and the presence of a recent slight cranial bleed at two sites), that they'll likely keep her a full 2 weeks to make sure everything is in check. (Oh, and this episode has blown out a modest diabetes condition ... her blood sugar was sky high on admission ... she must have tapped a latent pocket because I know it didn't come from a food source! She's on insulin for the first time.) Quite interesting about Retin-A and bone marrow. Quote Link to comment Share on other sites More sharing options...
hdporter Posted October 10 Share Posted October 10 4 hours ago, StarkRaven$ said: Quite interesting about Retin-A and bone marrow. So, there's a "nerd" factor intrinsic to you too? 🤪 A relatively quiet day for Bev, aside from the frequent pokes, prods and needles. No blood product infusion for her today; just saline. Blood sugar is loosely under control as well (a tad high, but she's on a steady insulin injections for now). Doc was with her before I arrived this am. First marrow draw will be tomorrow (repeated at 2 week intervals). biopsy results will drive her treatment. Sounds like there's no question that the tretinoin dosing will be augmented by either a 2 week chemo course, or a stem cell transplant. 2 weeks minimum in the hospital; we should allow for up to 4 weeks. Separately, they're doing a PT evaluation tomorrow. They hope to stengthen her legs so that she's walking (at least with her cane) by the time she's discharged. It's wonderful to see such proactive care! But the "needle" frequency is really getting to her (not to mention various "indignities". She said they should have a sign at the hospital threshold that reads: "Ye who enter here, abandon all vestiges of self-respect and dignity." StarkRaven$ and TheVig 2 Quote Link to comment Share on other sites More sharing options...
hdporter Posted October 12 Share Posted October 12 This post is not an example of my sad sense of humor ... I was admitted today and, pending further tests in the am, will receive a pacemaker tomorrow pm or Friday. At my request, I was admitted to Mass Gen. Even though I'm now idle and ambulatory this evening, I apparently don't have the necessary passport to visit Bev's care floor. < sigh > hegemony, StarkRaven$, Glacier and 3 others 6 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted October 12 Share Posted October 12 54 minutes ago, hdporter said: This post is not an example of my sad sense of humor ... I was admitted today and, pending further tests in the am, will receive a pacemaker tomorrow pm or Friday. At my request, I was admitted to Mass Gen. Even though I'm now idle and ambulatory this evening, I apparently don't have the necessary passport to visit Bev's care floor. < sigh > I really really hope you two get well. You are dearly liked and we all wish you the best in care and want you strong. MP80 and hdporter 1 1 Quote Link to comment Share on other sites More sharing options...
Why Chat Posted October 12 Share Posted October 12 As a nonagenarian I can tell you that getting old aint for sissies. I too hope that both of you get well and are able to make sensible plans for your future. IMO buying a home in a retirement community is a poor idea unless you have NO kids to worry about having to deal with selling it when you are gone. Staying in and paying off your existing home will give you the freedom to hire needed help for yourself and your spouse and keep you both out of a nursing home. hegemony and hdporter 1 1 Quote Link to comment Share on other sites More sharing options...
hdporter Posted October 14 Share Posted October 14 On 10/11/2023 at 9:45 PM, StarkRaven$ said: I really really hope you two get well. You are dearly liked and we all wish you the best in care and want you strong. "Liked"? ??! I was going for nothing less than LUV! MarvBear and StarkRaven$ 2 Quote Link to comment Share on other sites More sharing options...
greendeh Posted October 14 Share Posted October 14 1 hour ago, hdporter said: "Liked"? ??! I was going for nothing less than LUV! We love our family members and children, but don't necessarily like any of them in the slightest. So "dearly liked" should mean you are in for the long haul. hdporter and 8ball 2 Quote Link to comment Share on other sites More sharing options...
hdporter Posted October 15 Share Posted October 15 I'm home with my fancy pacemaker. They told me "it'll take a beating and keep in ticking!" Sounds familiar ... I'm in great shape, other than the fact that about 2 hrs ago my shoulder started feeling like it's healing from an attack with a pick axe. Praying Tylenol kicks in soon ... Got to visit with Bev for the first time since Tuesday. She's literally been about 50' from me, 10th fl to 9th fl in adjacent buildings. On discharge, took the elevator to the lobby, walked about 75' and took an elevator up to see her. Visit not possible while I was in-patient because they wanted my heart continuously monitored. She's in her second day of chemo of 7 total. Then, having killed all her blood cells, they treat the bone marrow with something to affect a correction in her white cell formation. For a week they'll replace all blood function with nutrient iv's, antibiotics, and god knows what else. They follow that with 2 weeks further treatment and then take stock of things. Expectation is hospitalization/treatment through the end of December as near worst-case. Pray for earlier resolution. Her spirits were dour upon my arrival. Kind of a hard day of being poked and prodded. While insulin injections (for her newly flared diabetes) are typically routine, Bev has a morbid distaste for needles of any kind; this is truly a version of her own personal hell. The stress is taking its toll and has spiked her blood pressure. I'm restricted from driving for 10-14 days to avoid any risk of pressure on my shoulder (sudden braking, etc). Uber from home is $100-$160 RT (plus gratuity). Will play it by ear to see if I can hold off until Tue/Wed for next visit. StarkRaven$, MarvBear and hegemony 3 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted October 15 Share Posted October 15 23 hours ago, hdporter said: "Liked"? ??! I was going for nothing less than LUV! Well I do love your posts and I love your kindness towards all on the board. TheVig and MarvBear 1 1 Quote Link to comment Share on other sites More sharing options...
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