Our [house] in the middle of our house
Cambiata
Commander ShepardThe likes of which even GAWD has never seenRegistered User regular
Commander ShepardThe likes of which even GAWD has never seenRegistered User regular
https://www.youtube.com/watch?v=k55FYtqtXXUHave I mentioned my plants lately? All of my banana trees (there were like five of them) were absolutely demolished by the winter storm in February. I'm hoping I get a new sprout from the root structure left but I'm not confident.
My peach and nectarine tree survived the freeze like a champ, though, because peach trees love Texas weather no matter how crazy it gets.
Peace to fashion police, I wear my heart
On my sleeve, let the runway start
On my sleeve, let the runway start
Cambiata on
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in the middle of our house
Good point. Corrected.
On my sleeve, let the runway start
Now I've got until the start of May to get the lights from the top of the stairs, bottom of the stairs, living room and dining room removed and the wires made safe with terminal blocks and electrical tape.
I'm thinking of buying a staircase platform for ladders to reach the light at the top of the stairs as it's hanging over nothing and I don't fancy perching on the bannister rail
Right now I'm waiting on the Federal Government to consolidate my loans into a new package.
At least our new blinds should deliver this week so I'll have something to screw around with this weekend.
they were hit by rocks from a lawnmower and one of them completely cracked
now infinitely nervous about them getting hit by rocks next week....
Still better than UPS.
The board is then obviously held to the wall with screws set through the board, capped with rawlplugs, and then set into holes drilled in the plaster
Problem is; the board has become loose and some of the rawlplugs are slipping out, with some of the screws also coming out of the old rawlplugs
What is the best way to reset the plugs and such? The plaster unfortunately is a bit conical now (as typically happens in this circumstance); do I realistically need to fill the holes with some sort of filler, then push the plugs into that, let it set, and then set the screws into the plugs?
If you've got the space just drill new holes for the mounting of the board. The board will cover the old ones in the plaster and presumably the curtains cover the ones through the board.
If you're set on filling holes I'd take the brackets off the board, fill the mounting holes and then put the brackets directly onto the plaster wall. You'd need a laser level or something to make sure you get them in line with each other (or do them X cm from the top of the window frame) but it seems like having them attached to a board attached to the wall is one more step than is necessary
I'd rather like, use the existing holes and fix them up somehow
I've never had an issue with UPS, but Fedex is a constant hassle for me. They're incredible at getting something across the country in two days, then letting it sit for a week in Seattle before delivering it to me (also in Seattle).
I did shipping and receiving for many years and my experience is that UPS' delivery service is mostly fine, but if you do have a problem you are boned because their customer service is just the dogshit worst.
FedEx's delivery service varies from great (Express) to not very good (Home Delivery) because of how the company is set up but the customer service was generally on-point and actually took care of problems when they arose.
I'm not sure your idea of filling and then squooshing a Rawl plug into the hole would work as the filler would stop the plug from expanding as it's supposed to as you insert the screw. It'd end up just as wonky after a few pulls
Although if you did it that way it might be held in as the filler dries around it.
I just don't think you'll have a great time putting a screw in
Maybe I'm biased because I spent a bunch on a nice Makita so I use any excuse to make new holes because drill go brrrr
Fuckin' a this. Even with my mom working in banking all these years, it still feel like a black art unheard of or unknown to us mere mortals, and that's before getting into the vagaries of how each different bureau handles their respective formulas.
Wud yoo laek to lern aboot meatz? Look here!
So there's definitely lag in reporting, even though you paid it off and it shows as "paid" in the report, it was still calculating you had those high balances... which lowers your score. Once you pay it off and drop below 10% overall utilization across all your revolving credit lines (heloc, cards, spend accounts, etc) it'll skyrocket. I think if you drop below 5% it goes up even more. There's 1-2 week period between when it says it's gone before it's actually gone.
I hate it so much. I keep trying to do the things they say you're supposed to do to increase your score, and what I get is a lot of noise.
Paying off my debts definitely lowered my score and there was no subsequent bump up later. I understood the problem to be that I didn't have enough available credit, so I got myself added to Strikor's credit card and also applied for and got another card.
What keeps happening on my credit now is: -14 credit points lost! Oh wait, +14 credit points gained! Oops, now it's -16 credit points lost! +2 gained! Lucky you, there's +10 gained now!
With the trouble I've gone to my score has basically remained steady for a year, just adding and losing points every month. On the newer cards we pay them 100% off every billing period. I still have old credit card debt that tanked my score in the first place, that I make payments on every month (no interest accrued, these are settlement payments). I just don't understand the yo yo effect that keeps happening.
On my sleeve, let the runway start
Once the negative mark for the settlement disappears you'll get more gain from the yo-yo never being late (as the credit line ages). The loss and gain is relative the amount of carried balance to your total debt (mortgage/school loans/etc) and total credit line.
This is only what I've divined from post bankruptcy credit rebuilding. The wild thing is? My credit was actually better in bankruptcy than it ever was before that.
Oh yeah your income matters too. It usually doesn't show it on your credit report but it matters, that's why those card companies ask you. They've got a pretty good idea of your actual ability to pay debts from that income so if you start overextending your credit to pay a big emergency bill (your car's engine drops out), it'll tank worse than putting gas on your charge card.
using their info and suggestions i've definitely gamed my score higher than it used to be.
also bucketman you talked about consolidating your student loans i believe, depending on how they do it, that can also drop your score because then they close a bunch of old accounts and now you have a new larger debt on your record
The problem seems to be that credit scores hate when you pay off loans. So credit-wise I would have been better off still having a mortgage and (I guess?) If I were still on my ex-bf's federal school loan. But I'm happy to be off both so fuck that.
Potentially, having several more credit cards would also help (higher available credit is good) but for now I won't be applying for more cards, so it's just a waiting game where I continue to be a good payer. Once the old debt is officially wiped that should help too. I just hate how in the right now, doing all the right things tends to lower my score more than raise it.
On my sleeve, let the runway start
It takes I think 3 months to recover from a loan being paid off. Then you get the small uptick in score for having paid off the debt. It's the dumbest system. Though I hear they're adding rent/utilities to the calculation soon, so that'll be cool and helpful.
So I'm trying to put up some floating nightstands in our new apartment. They're the IKEA Eket series.
They use a brace like this, which apparently can be mounted without drywall anchors (but I've been using anchors for them anyway)
The problem is that I'm trying to get them on this wall here, and seemingly every part of it shows up on my stud finder as having electrical behind it.
Which unfortunately makes it kind of difficult to place beside the bed
So right now... the red highlight is showing roughly where the stud finder is saying there's some electrical. It seems like a very broad range, so I don't know how accurate it is.
Would it still be possible to mount this? If I drill only to the drywall level, and use 1/2 inch screws/anchors, would that be secure enough to hold the shelf?
(blue is approx location of screw holes, purple is shelf)
would there be any danger of hitting electrical wires if I was placing the shelf just above and to the left of the mattress?
Oh my god, I've never stuck around to see the later parts of the video. I watched the first minute or so, got the joke, figured that was it and moved on. The video goes places.
Like finally hanging up real hooks on the closet doors to hold robes. Instead of just using 3m hooks.
So satisfying
Democrats Abroad! || Vote From Abroad
Why did you do this to me? I'd done the same thing.
Then I started asking questions. Like, why does one house in the cycle suddenly randomly have a pillow on its stoop? Why does another have "sleep tight" graffiti on the garage.
And it all ends up making sense. There were layers I didn't even know existed because I only watched like 45 seconds at most before.
So in slightly good news related to this, if anyone uses Chase, they offer that Credit Journey service that I believe is free if you have credit cards with them and gives you your updated score based on something called "Vantage 3.0" which appears to be some kind of blended amalgamation of all three bureaus' information to give you your score. What's even better is that they outright list the biggest factors that go into your score calculation which is frankly nice to finally get from as "official" a source as one could hope for.
This does jive with what my mom told me in that paying on time and not having any "incidents" of 30 days past due or 90 days past due can have the more material impact to your score.
Wud yoo laek to lern aboot meatz? Look here!
everyone uses a different formula
of the two banks I use that offer reporting they use Fico 8 and 9, then karma also uses VantageScore 3.0
and between those and the different reporting bureaus there's good variation in both as of today snapshots, and just the trends of reported scores.
On my sleeve, let the runway start
I'm sorry. I think the only way to fix this is to get on the HOA board yourself (and try to get some confederates there, too).
On my sleeve, let the runway start
I would love to have my garage door be the same color as my front door. But no can do.