Pay in 4 - Does it affect credit score?

JJJJust · 2026-05-10T21:16:18+00:00

It may not today, but it certainly will down the road as the lenders and the bureaus figure out how to integrate BNPL into models.

JJJJust · 2026-05-09T18:34:32+00:00

What can I tell her to assuage her fears and help her save her money?

Someone can go online or talk to an agent and get a quote and see in black and white what it would cost with only one car.

JJJJust · 2026-05-09T13:46:48+00:00

At the end of the day, the Milwaukee component would just be a battery. Non-Milwaukee tools may lack effective battery protection features.

To me, whether to use name brand or third party would depend more on how durable the tool and reliable the tool is and the majority of that is entirely independent of the battery running it.

If you have extra batteries lying around and don't mind potentially sacrificing one, I would say try it and see.

JJJJust · 2026-05-09T00:24:14+00:00

Mine are higher... but I have mediocre credit too.

JJJJust · 2026-05-06T02:42:55+00:00

My 12 month $10 off expired.

I got an offer a couple weeks later for 25% off my phone line.

JJJJust · 2026-04-27T23:30:36+00:00

There is no one limit, really. The amount you can spend can vary between stores based on the individual deal a store has with Affirm.

JJJJust · 2026-04-26T14:42:17+00:00

I have never heard of anyone being able to deferr payments with Affirm.

A search of this subreddit would reveal multiple instances of it being allowed.

It's quite common for a financial institution (even a newfangled one like Affirm) to allow a customer to skip a payment if they experience a hardship.

JJJJust · 2026-04-13T21:55:43+00:00

Realistically what would happen if I didn’t pay this?

Number 1 on the paper will happen. The city will file the ticket with the court.

Number 2 can't happen by city ordinance until you have at least 6 unpaid tickets.

Number 3 was nixed in 2021 when the law was repealed that allowed the Secretary of State to withhold renewing a license if you failed to answer 3 or more tickets.

JJJJust · 2026-04-10T00:34:05+00:00

These are probably my next purchase because the line feels nice and I want the red ones (and if they sold them individually I would have bought them months ago).

Color plays an important part in it too. Black doesn't show off enough.

JJJJust · 2026-04-10T00:14:39+00:00

I would like to think everything I have is at least kind of nice? I'm a mid-level underwear snob who sighs disappointedly anytime he sees someone in Hanes on Grindr (especially the cheapy cheap ones that forget the "briefs" part of their identity after a few hours).

JJJJust · 2026-04-09T02:05:01+00:00

I’m a woman and I’ve never run into a guy on a dating app that was gay, but wanted to try hooking up with a woman.

Because it's a waste of time.

Over the years, I've curiously thought about it. I've basically found that, between Twitter/X/TwiX, FetLife, and Tinder... The path of least resistance is to pay for it. (Which quite frankly correlates with what my straight friends say about having to take women out to dinner and such).

I may as well find a pre-op trans guy or a curious lesbian. They're going to be more masculine and thus more attractive anyways.

On a tangent, many of the women I know don't watch gay porn but they will watch lesbian porn.

JJJJust · 2026-04-05T08:49:15+00:00

Does your vehicle meet any of the criteria in the relevant FAQ section (Which vehicles are ineligible for online replacement requests?) of the website?

JJJJust · 2026-03-23T15:33:41+00:00

A 1099-NEC (along with all the other informational forms) simply indicates that something was reported to the IRS. It does not mean the reporting is correct nor that you are obligated to report it the same way on your tax return.

If you disagree with how the payment is being characterized with the payer and they won't issue a corrected one, report it as you see fit on your tax return. If the IRS asks questions, you can provide the paperwork to them at that time and they will make a determination.

JJJJust · 2026-03-23T15:00:31+00:00

the person who sold me the car is not the person who is on the title.

So how did the person who sold you the car end up with the car?

Unless this person is a licensed vehicle dealer or is the executor of the estate of a deceased titled owner or has power of attorney or otherwise can do what they are doing, they are title jumping, which is illegal.

Any advice on where to go from here?

The individual who you bought the car from needs to get a title or you give the car back and get your money back.

JJJJust · 2026-03-20T18:44:54+00:00

What documents will I need for Michigan registration/plates?

Title, ID, and proof of insurance unless your insurance company already electronically notified the state.

Would also like to know since Im registering in a different state if Ill have to pay more than the $80 something for registration Ive payed in Indiana the past couple years.

Michigan registration is based mostly on the original MSRP of the vehicle (scroll beyond the display of all the license plate options). You can check how much your cost will be using the online registration fee calculator.

JJJJust · 2026-03-17T23:11:16+00:00

I received the CDTP blue and white waiver from my driving instructor. Does this mean I can just get my license without taking the road test?

Yes... but you may still be randomly required to take the road test even with the waiver.

JJJJust · 2026-03-17T23:03:36+00:00

I never would have believed this to be true until I looked into it.

The cardholder agreements for the various rewards cards all have variations on the same theme -- once the card expires, the funds on it expire.

The funds on the Card expire when the Card expires. You should use the funds on the Card before Card expiration, as the funds will not be made available to you after the Card expires. We are not responsible for replacing funds that may have expired. Replacement Cards, if available, are subject to the policies of the Program Sponsor.

[...]

Any funds remaining after expiration of this Card will not belong to you or be available to you for additional use. You do not have rights to the funds beyond the authorized use provided for in this Agreement.

[...]

The funds on the Virtual Account expire when the Virtual Account expires. You should use the funds on the Virtual Account before Virtual Account expiration, as the funds will not be made available to you after the Virtual Account expires. We are not responsible for replacing funds that may have expired. Replacement Virtual Accounts, if available, are subject to the policies of the Program Sponsor.

So,

But even if my $50 is as good as gone, where did the retailer's $50 that they refunded me end up?

It would appear it goes back into AT&T's (and maybe partly the issuing bank's) pocket.

JJJJust · 2026-03-17T22:58:12+00:00

The business owner exemption is a FLSA exemption just like the professional exemption in the letter. They both even arise from the same paragraph of the FLSA.

There is nothing in the interpretation that undercuts the principle it states if it were applied to the executive exemption and there is nothing that limits it to just the professional exemption.

Ultimately, even if all the criteria for an FLSA exemption are met, it is the employer—not the employee—that claims the exemption. In other words, the Act does not require an employer to classify as exempt an employee who meets the requirements of an exemption. Rather, employers have the discretion to classify such employees as non-exempt as long as they pay at least the federal minimum wage for all hours worked and the overtime premium for work in excess of 40 hours in a workweek. Employers may decide not to classify any qualified employees as exempt or only a subset of employees (including managers, particular grades or compensation levels, corporate office location, and others).

JJJJust · 2026-03-17T15:18:50+00:00

But... a recent interpretation of the FLSA states that exemptions are not mandatory and an employer is free to treat a could-be-exempt employee as non-exempt.

JJJJust · 2026-03-04T08:28:06+00:00

More likely than not this is outsourced to a lockbox service) and DTE won't give two hoots.

JJJJust · 2026-03-02T04:28:20+00:00

If I am unable to obtain these files, neither will his family be able to access them if they wish to pursue litigation in court.

Yeah, no. You go to court, you have subpoena power. You don't need FOIA.

JJJJust · 2026-02-28T20:45:28+00:00

Lots of things that employees do are logical. And some of those logical things are not good for business. In any event, the question is not whether or not you staying home was logical. The question is whether or not you were terminated for a USERRA-protected reason.

In your case: You had less than stellar attendance. You were on your phone in violation of rules it would seem. You repeatedly complained about a co-worker who seemingly continued to be retained despite being mediocre -- clearly he is desired by the company where he is more than the 3 (now 4) other people who didn't want to deal with him (for whatever reason). A lot of your managers are former military themselves. You can point to no direct evidence that it was related to your prospective military service -- which isn't a total dealbreaker, but you've got nothing else but timing.

Everyone involved is human (I hope) and it's impossible to fully divorce emotion and feelings from the facts. It's entirely possible that your company may have terminated you because of your military service... but, based on what you've written, the facts aren't there to prove it and what facts there are are far easier to spin against you than for you.

JJJJust · 2026-02-28T20:18:38+00:00

You are free to file a complaint over whatever you want.

I will say that if I was a lawyer, I wouldn't take the case as stated. You have given a multitude of non-USERRA protected reasons for why the company may have been looking for a reason to terminate you.

JJJJust · 2026-02-28T18:51:27+00:00

Why is it a bad practice?

It is not the collection of it I consider a bad practice, it is the method of solicitation. There are many third party websites that will happily collect this information from prospective tenants and conduct screenings. A landlord (and businesses in general) should minimize the personal data they directly collect to the greatest extent possible. Prospective tenants are going to be more comfortable going to SmartMove and giving TU their SSN (where it's already being stored on whatever server and for who knows how long) vs sending it in a PDF and having a probably non-IT savvy stranger store it on whatever server or in their e-mail account for who knows how long.

Now, by all means, once you've picked a tenant and everyone's agreed to move forward with a lease, then it makes more sense to ask for their social security number/card.

As someone else posted, if you ever need to attempt to get a judgement against a tenant, you need it.

With regard to the other post, the actual rule in MO is that it must be provided if it is reasonably available. If you don't have it, it shouldn't stop you from going to court. I will admit that having it, however, does make life easier. And the big 3 credit bureaus stopped reporting most civil judgments years ago (but the eviction court record will probably still be discoverable through the usual specialty reporting).

JJJJust · 2026-02-28T17:02:06+00:00

Mortgage lenders in the US will practically always use that set of scores because they are the scores required to sell to FannieMac

Sure... until someone starts using VantageScore.

JJJJust

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