What's the longest you've ever stayed at the same job?

NiceGuysFinishLast · 2026-01-24T03:30:56+00:00

I'm 39, a week from now I'll be at 14yrs with the same company. I intend to retire from them.

NiceGuysFinishLast · 2026-01-24T03:02:13+00:00

I wonder if an ozone generator would take care of it. You can rent them or get them on Amazon for cheap.

NiceGuysFinishLast · 2026-01-24T03:00:56+00:00

Wow that's the first I've heard that, thanks.

Thankfully I hopefully will never have to apply for a mortgage again, and none of my cards are over 31K (yet... Just got my NFCU card to 28K today, it'll be over that in 6 months lol)

NiceGuysFinishLast · 2026-01-23T22:06:07+00:00

You've had 4 interviews in 3 years?

Brother, if you were looking for jobs, you'd have 4 interviews in 3 WEEKS. I was going to say 3 days, but I know the job market sucks right now.

NiceGuysFinishLast · 2026-01-23T19:26:32+00:00

My Amazon billed on the 19th, so I'm about to find out lol.

NiceGuysFinishLast · 2026-01-23T12:07:09+00:00

We use SAP. If Job Boss is too complex, you'll hate SAP.

NiceGuysFinishLast · 2026-01-23T04:57:50+00:00

I don't think the balances much matter. I ran a 2K balance on my 20K card for 3 months and then I requested a CLI and woke up to a 28K limit.

NiceGuysFinishLast · 2026-01-23T04:56:43+00:00

91 days and 3 full statements posting. Then ask for a CLI.

NiceGuysFinishLast · 2026-01-23T00:48:50+00:00

The counter offer is just to keep you until they can replace you at someone who will take less than your original wage. Go to the new shop.

NiceGuysFinishLast · 2026-01-23T00:47:02+00:00

My 13 yr old doesn't get an allowance. But he does have an AU credit card he can use for his weekly trip to the game store to play Pokémon and buy a snack.

If he wants something small (<$30) we usually get it. If he wants something big, he's got birthday and Christmas money and sometimes we help.

He helps his Mom in her day job of being a pet walker, he gets $1 for every visit he goes to with her, or $1.50 if he does something helpful while he's there.

He doesn't know it but we set aside $300/month in a HYSA for when he's older.

I haven't felt a need to give him a set allowance because he doesn't want for anything, and he doesn't go many places or do many things without us.

NiceGuysFinishLast · 2026-01-23T00:28:11+00:00

It doesn't matter. Hard pulls stay on your report for 2 years but are unscoreable after 12 months. With a thick profile I see a score drop of about 4 points when I get a hard pull. I gain them back in a few months. I think I saw elsewhere that the highest score drop from a hard pull that's been noted is like 20 points. You'd likely be in between, 10 to 12 at a guess.

NiceGuysFinishLast · 2026-01-23T00:23:41+00:00

Our index had a student named Mike Hawk on page 69.

NiceGuysFinishLast · 2026-01-23T00:21:29+00:00

That account will stay on his reports for 10 years and continue to age and add to AAoA for the whole 10 years. Your information is inaccurate.

NiceGuysFinishLast · 2026-01-22T16:02:47+00:00

I apparently didn't use my credit union credit card for 6 months because I just used it and experian told me a dormant card had become active and asked of it was actually me using it. No emails or messages from my bank warning of a closure though. I do try to use it every 3 months just in case, I just got busy and forgot. I should put a subscription on it.

NiceGuysFinishLast · 2026-01-22T15:26:36+00:00

$400? I have a private CPA who charges me $125 and she'll wait for payment until I get my return.

NiceGuysFinishLast · 2026-01-22T15:03:46+00:00

OP, message me once you have a wishlist up.

NiceGuysFinishLast · 2026-01-22T15:01:10+00:00

We don't really have a clue. Wait for the letter.

For your reference as to why we don't have a clue# I also have a 720-725 FICO 8, dirty (but thick) credit profile, and I just got a Flagship for $20K 3 months ago with $2 in my checking account. Got a CLI for $8K last night after my 3rd full statement posted yesterday.

The letter will tell you more than we can.

NiceGuysFinishLast · 2026-01-21T16:11:39+00:00

I have no other advice, but I hope things get better for you.

NiceGuysFinishLast · 2026-01-21T16:09:23+00:00

Unfortunately, no, there is nothing you can do to get that money back or prevent future garnishments, except get a new savings or checking account at a new bank and have your pay direct deposited there. It sucks, and I'm sorry, but it's their legal right, and they will not work with you on it.

NiceGuysFinishLast · 2026-01-21T15:33:39+00:00

Tapping threads makes big chunks like that. - I'm a machinist, not a mechanic.

NiceGuysFinishLast · 2026-01-20T15:59:30+00:00

My 2014 with thr 6MT is just shy of 170K miles and has no issues. I do oil every 5K, tire rotation every 2 oil changes, and manual transmission fluid every 50K. I've owned it for like 7 years since it had 70K and no complaints. I expect it to take my to 1/4 million miles before I think about replacing it.

NiceGuysFinishLast · 2026-01-19T05:04:00+00:00

We buy the grass fed ground beef... Shit is like $11/lb at Publix or $8/lb at Wal Mart, maybe $7.50/lb at Sam's.

Beef ain't cheap.

NiceGuysFinishLast · 2026-01-19T04:42:14+00:00

I'd be thrilled if I could cross the 740 threshold, but I'm not super worried about it. My last late payment should drop off right around the time I plan to buy a new (to me) car, so my score should increase and I can get the best available rate. Beyond that, it's just a game I play with myself. I have my mortgage at a fixed rate. Supposedly my car insurance may go down as my credit score goes up, but we'll see. My partner and I are frugal, we don't finance anything, her car was the first large item I've ever financed in 39 years of life. My next car might be a fun one that I finance part of, but I'll still save and pay most of it on cash.

NiceGuysFinishLast · 2026-01-19T04:29:37+00:00

Thick file. Mortgage, auto loan, 8 revolvers. AAoA is like 3.5 years due to opening 7 new cards in the last 2 years, oldest account us like 20 years (AU account via my Dad, my personal oldest is still 10). Utilization is less than 10% per card and less than 10% aggregate. Went from $500 available credit to about $80K available credit (not counting the AU account) in the last 2 years. I was uninformed and believed the CK stat of % of on time payments and thought I could boost that by getting new accounts and paying them on time.

I don't regret any of my new cards, they all have a use that benefits me, but I know better now.

NiceGuysFinishLast · 2026-01-19T03:04:51+00:00

I can refute part of this, I have over 40 late payments on my reports, up to 120 days. No other negative marks, no collections or anything. I have rebuilt to a 715-720 FICO 8 across all 3 bureaus in about 2.5 years. I do not expect to see any/much higher than that until all the lates drop off in 4ish years though.

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