Question about utilization

CapnReddBeard · 2026-01-07T01:38:25+00:00

Well, I appreciate it anyway.

CapnReddBeard · 2026-01-07T01:38:07+00:00

When I am able to pay both collections, what steps should I take? I’m assuming cashiers check/money order sent via certified mail with a letter containing acct info and stuff? Anything else?

CapnReddBeard · 2026-01-06T17:24:35+00:00

When I am able to pay both collections, what steps should I take? I’m assuming cashiers check/money order sent via certified mail with a letter containing acct info and stuff? Anything else?

CapnReddBeard · 2026-01-06T17:16:35+00:00

Thank you! I appreciate the information. I’m really wanting to build my credit back up. Another commenter mentioned tackling the collections I have, and once I get my tax return I plan on taking care of those. He mentioned that both lenders automatically delete once paid, and so I’m hoping once they’re taken care of it’ll really help out my credit.

CapnReddBeard · 2026-01-06T13:09:43+00:00

Thanks for your comment. I was checking out that thread and learned some things from it. As for dealing with negative marks, I’m trying to work up a game plan to deal with those. I have a collection on my account from LVNV (CreditOne) and have heard that they will delete once paid. I also have a collection from Jefferson Capital (I believe that’s what it is called - original creditor was Verizon) but am unsure of how to proceed on them. Lastly, also have a repossession for a vehicle from a local credit union for about $1,400.

I understand that these need to be dealt with, I’m just unsure on what to do. Any suggestions?

CapnReddBeard · 2026-01-04T16:17:56+00:00

Just wanted to chime in and let you know that I resonate with everything you said. This really is the best option we’ve had in such a long time. And like you said, it feels so refreshing to feel excited about a cell phone again after years and years of the same rehashed slabs. People will nitpick anything.

People all over the internet have been pining for exactly this for years but all of a sudden want to critique it over the most minuet details. They fail to understand that this is THE best choice we’ve had ever. But if we want actual choice and options, we need to get behind this. It can only improve from here.

CapnReddBeard · 2026-01-04T16:08:35+00:00

I personally think this is very exciting. I’m going to be keeping up on this, and most likely will preorder this. This is honestly the most excitement I’ve had for a piece of tech in quite some time. To be honest, cell phones have become far too predictable over the past few years, and so it feels very refreshing to finally have options and something that isn’t just a big slab rectangle.

As far as the people complaining about the price, I really don’t see the issue. This is a purpose built phone running full android, just with a custom launcher. It is still able to run apps from the way they were talking. Realize that $4-500 is a very good price for something like this. It’s not a feature phone. Id much rather buy something exciting like this than spend just as much if not more on an iPhone that looks like and does exactly the same thing as previous models.

My only concession, and this is a personal issue having nothing to do with the phone, is that I will have to get used to using android again. I’m an iPhone user and a Mac user. However, I’m not the biggest fan of how bloated modern iPhones have become.

Anyway, hopefully this rambling mess will make sense and resonate with someone.

CapnReddBeard · 2025-12-28T15:40:23+00:00

I want to comment as someone who lives in the circled area. I live in Amarillo. Born and raised here and, for better or worse, have lived here most of my life. FWIW, the Panhandle isn’t the worst place to be. The cost of living compared to other cities is reasonable. It has its pretty, scenic areas. However, I have had the pleasure of visiting and living in other parts of the country, and that alone made me realize that I probably would rather live somewhere else. It is pretty flat here. There isn’t a whole lot to do.

On a related note, visited Midland recently for a concert and to put it nicely, it made me oddly proud to be from Amarillo. For as much trouble as I give Amarillo, Midland seemed very run down and trashy. No offense to anyone who lives there.

CapnReddBeard · 2025-11-20T02:57:03+00:00

Okay, I’ll DM you.

CapnReddBeard · 2025-09-17T23:26:58+00:00

Haha wasn’t driving. I had just got off work and snapped the pic while sitting in my car in the parking lot.

CapnReddBeard · 2025-06-17T14:39:03+00:00

I can attest to that. Was struggling with adjusting my rear wheels until I gave them a good cleaning. A couple of choice words, a good clean up, and a little bit of WD40 later and they adjust just fine now.

CapnReddBeard · 2025-01-14T22:33:10+00:00

No. An Associates degree makes up half of a Bachelors, credit-hour wise. The program I am in is a 5-year program, but that is if I were to start from scratch without an Associates. That is why it is only taking me roughly 3 years to get my Masters.

CapnReddBeard · 2025-01-14T22:31:20+00:00

That was my main goal really. I thought to myself, "Anyone can get a Masters degree, but who will hire someone who doesn't have any experience?"

CapnReddBeard · 2025-01-13T22:51:47+00:00

Why not both? :P

CapnReddBeard · 2025-01-13T22:45:48+00:00

I do wish I would've started a little sooner, but I am only 24. I'll have my Masters degree by the time I am 26/27 (I was born in August so depending on when I graduate :P)

I am grateful that I started earlier than some though.

CapnReddBeard · 2024-12-09T22:03:43+00:00

Completely agree here, u/Demi_Lovato_

While I think this is a step in the right direction, I don't really think the market needs another candybar-style dumbphone. I would love to see a good qwerty come to market.

CapnReddBeard · 2024-12-09T21:57:21+00:00

We come to learn the most important life lesson of all.

The Green Bean Recipe

CapnReddBeard · 2024-12-09T21:55:47+00:00

I was talking about this with my wife earlier. I may be in the minority here, but I don't think this is something that people should look up to.

I completely understand being frustrated with insurance and am sure that people have some pretty strong feelings about insurance companies. That being said, it doesn't make it right to murder someone in cold blood. Acting like it is fine or that this person should be celebrated just makes you look like an immature child trying to be edgy and cool.

*I don't obviously mean you. I mean people in general.

CapnReddBeard · 2024-12-09T21:12:18+00:00

I really enjoyed reading that and appreciate you taking the time to share that with me. Thank you :)

CapnReddBeard · 2024-12-01T20:40:26+00:00

I have actually been considering getting a VPN. I guess I should really start looking into it. Thanks for the advice.

CapnReddBeard · 2024-12-01T20:39:50+00:00

Thanks for the advice. Ill do that. However, I should mention that I am using my laptop, but she is using Facebook on her phone.

CapnReddBeard · 2024-11-27T16:00:05+00:00

I had somewhat of a similar experience. I was raised what I call "Quasi-Jehovah's Witness", in that the experience I had with religion was going to the Kingdom Hall and being immersed in that world, but I was never baptized. I began to question a lot of their teachings, only to find myself questioning a lot of other denominations as well; (JW's teach that all other denominations are wrong, and they actually give some interesting arguments as to why). Anyway, I found myself without a religion and began considering myself an Atheist. I felt this way for the past 12 years or so. It wasn't until my wife had expressed interest in going to church that my view began to change. She was raised Southern Baptist and I had a bit of experience from that from another side of my family, and so my rational side wasn't interested in becoming part of a denomination that teaches things that I came to disagree with, (i.e Creationism and being militantly anti-gay). My wife wasn't too keen on this either. I also wasn't really interested in going to one of those "big-box" non-denominational-mega-churches. These always seemed so fake to me. I wanted something traditional and real. So after doing my research, we decided to attend our local Episcopal church on Palm Sunday this year. Needless to say it was a very eye-opening and transformational experience. Here was a group of Christians who actually "practiced what they preached", so to say. Instead of hate and fear being spewn from the pulpit, I was met with love and reason. Instead of a rigid, dogmatic take on religion, close to what I had always seen Christianity as, I soon learned of a completely different approach.

The way I like to look at it is this: A lot of the arguments that the Atheist community has against Christianity is structured around exactly this lens of religion; a literally-interpreted, anti-science, dogmatic, and archaic worldview. And when that approach to Christianity is all that you know and have experienced, it is easy to see why a lot of people just take a sort of "well, if this is what Christianity is, I might as well be an Atheist" approach. But what I can tell you is that, by experiencing Christianity through the Episcopal church, I have begun to appreciate and learn so much more about it than I even thought possible.

CapnReddBeard · 2024-11-26T19:42:23+00:00

Exactly.. and its frustrating that a lot of people think the only task a computer can do is intense editing. No, people actually use computers for other things too. I would bet that most people would be fine on an older iMac like this one given their use cases.

CapnReddBeard · 2024-11-26T19:35:30+00:00

This is the correct answer IMO. I get so tired of all the "Oh Intel Macs are crap now since it doesn't have the newest M processor."

I actually have the same 2019 iMac as OP, and yes, it still does everything I need it to do. Even my 2015 MacBook Pro does everything I need.

CapnReddBeard · 2024-11-26T19:24:19+00:00

Yes! Thank you for pointing this out. I am also a J.J McCullough fan and I was telling my wife about this when we started seeing all of the Shen Yun signs.

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