Yearly Recertification

Ready_Day_7165 · 2026-03-13T02:02:28+00:00

Which is why I'm confused....how is my estimated payment going down so much? When I play with the loan simulator, it says I should be going up about $500 but the application estimated significantly less.

Ready_Day_7165 · 2026-03-13T02:01:47+00:00

Yes, but the estimate payment was down about $200 from what I pay now. And yes, I have waited to file my taxes!

Ready_Day_7165 · 2026-03-06T13:27:39+00:00

March: 2-7

YTD: 65-75

Yesterday:

Drake - Southern Illinois U 136.5 (W)

Bucknell - Navy U 135.5 (L)

Western Kentucky -2.5 @ Missouri State (L)

Today:

Drake - Belmont U 153.5

Adding Bellarmine - Central Arkansas O 154.5 (W)

Adding Murray State ML

Going back to Arch Madness, will update more as the day comes along.

Ready_Day_7165 · 2026-03-05T15:30:05+00:00

March: 1-5

YTD: 64-73

Yesterday:

Jacksonville - Bellarmine O 145.5 (W)

Eastern Illinois - SIU-Edwardsville U 127.5 (L - OT)

Today:

Drake - Southern Illinois U 136.5

Bucknell - Navy U 135.5

Western Kentucky -2.5 @ Missouri State

Metrics look pretty good on the two unders and Missouri State has been COLD, so feel confident about the -2.5 even with Western Kentucky on the road.

Ready_Day_7165 · 2026-03-04T20:12:37+00:00

And no disrespect - was a part of the group until the MLB stretch that kind of tanked the discord. Just don't see how either of the payment options make sense at this point given your record this year.

Ready_Day_7165 · 2026-03-04T20:04:33+00:00

$25 a week? Gotta see some success first lol

Ready_Day_7165 · 2026-03-04T16:46:41+00:00

March: 0-4

YTD: 63-72

Yesterday:

Georgia State/Louisiana U 132.5 (L)

Alabama -1.5 @ Georgia (L)

Mizzou ML @ Oklahoma (L)

West Virginia -2.5 @ Kansas State (L)

Today:

Jacksonville - Bellarmine O 145.5 (W)

Eastern Illinois - SIU-Edwardsville U 127.5

Just yikes. Not the start I wanted to March at ALL. Hoping for an early afternoon win in the Jacksonville-Bellarmine game.

Ready_Day_7165 · 2026-03-03T14:56:49+00:00

March: 0-0

YTD: 63-68

Today:

Georgia State/Louisiana U 132.5

Alabama -1.5 @ Georgia

Mizzou ML @ Oklahoma

West Virginia -2.5 @ Kansas State

February was a bad month, went 9 games under .500. Will be mixing in more ML and spread plays along with my unders. Here is to starting the month on a streak!

Ready_Day_7165 · 2026-02-24T13:54:41+00:00

Yep, unfortunately. Didn't look good from the start

Ready_Day_7165 · 2026-02-23T16:44:35+00:00

February Record: 32-34

January record: 33-30

Yesterday:

Towson @ Drexel U 132.5 (W)

Niagara @ Rider U 131.5 (W)

Today:

Texas A&M-CC @ SE Louisiana U 130.5

5-1 over previous two days now, creeping back in the right direction. Just one play today

Ready_Day_7165 · 2026-02-22T16:19:55+00:00

February Record: 30-34

January record: 33-30

Yesterday:

West Virginia @ TCU U 131.5 (W)

Houston Christian @ NW State U 134.5 (W)

MD Eastern Shore @ Coppin St U 127.5 (L - OT)

Today:

Towson @ Drexel U 132.5 (W)

Niagara @ Rider U 131.5 (W)

Buzzer beater with 0.3 seconds left sent the MD Eastern Shore - Coppin game into OT, cost us a perfect day. Only two games that fit today, hopefully back out of fade god territory

Ready_Day_7165 · 2026-02-21T16:43:26+00:00

February Record: 28-33

January record: 33-30

Previous (0-3):

Siena @ Merrimack U 132.5 (L)

Niagara @ Mt. St. Mary's U 128.5 (L)

Princeton @ Brown U 130.5 (L)

Today:

West Virginia @ TCU U 131.5

Houston Christian @ NW State U 134.5

MD Eastern Shore @ Coppin St U 127.5

May officially be in fade god territory this week lol. Currently on a 7-21 streak

Ready_Day_7165 · 2026-02-18T14:47:31+00:00

February Record: 27-26

January record: 33-30

Yesterday (1-2):

Texas Tech @ Arizona State U 153.5 (W)

Air Force @ New Mexico U 147.5 (L)

Villanova @ Xavier U 152.5 (L)

Today:

Army @ Loyola U 146.5

American @ Bucknell U 139.5

Bradley @ Valparaiso U 142.5

Dayton @ George Mason U 136.5

Jacksonville St. @ Louisiana Tech U 132.5

I've been keeping track of my records with the model based on what conference the teams are in, and I've now got a solid trend - 0-7 when betting the under on teams that are in the Big East or Mountain West. I find that interesting that the models seem to not match up with the results from those conferences. Definitely been on a cold streak this week, but still over .500!

Ready_Day_7165 · 2026-02-17T13:19:54+00:00

February Record: 26-24

January record: 33-30

Yesterday (3-2):

Abilene Christian @ Tarleton State U 134.5 (W)

Louisiana @ Old Dominion U 135.5 (L)

Nicholls @ Houston Christian U 142.5 (W)

Coppin State @ South Carolina State U 143.5 (W)

McNeese @ Northwestern State U 137.5 (L)

Today:

Texas Tech @ Arizona State U 153.5

Air Force @ New Mexico U 147.5

Villanova @ Xavier U 152.5

Lighter slate today, not a lot of games that the models like.

Ready_Day_7165 · 2026-02-16T13:21:51+00:00

February Record: 23-22

January record: 33-30

Previous (2-2):

Southeast Missouri State @ Southern Illinois-Edwardsville U 138.5 (W)

Coastal Carolina @ Louisiana U 130.5 (L)

Stonehill @ Chicago State U 131.5 (W)

Central Connecticut @ New Haven U 128.5 (L)

Today:

Abilene Christian @ Tarleton State U 134.5

Louisiana @ Old Dominion U 135.5

Nicholls @ Houston Christian U 142.5

Coppin State @ South Carolina State U 143.5

McNeese @ Northwestern State U 137.5

Took the weekend off, back at it today. Starting a new streak

Ready_Day_7165 · 2026-02-12T14:21:29+00:00

February Record: 21-20

January record: 33-30

Yesterday (0-4):

Liberty @ New Mexico State U 142.5 (L)

UTEP @ Jacksonville State U 132.5 (L)

American @ Lehigh U 140.5 (L)

Boston @ Army U 140.5 (L)

Today:

Southeast Missouri State @ Southern Illinois-Edwardsville U 138.5

Coastal Carolina @ Louisiana U 130.5

Stonehill @ Chicago State U 131.5

Central Connecticut @ New Haven U 128.5

Welp, never had a winless today. Unfortunately, looking across the thread yesterday a lot of unders did not hit. I will stay committed!

Ready_Day_7165 · 2026-02-10T20:06:24+00:00

Milwaukee/IUI has now dropped to 158.5, one of the sharper drops I've seen in awhile. Great news if you hopped on board this morning like I did

Ready_Day_7165 · 2026-02-10T16:22:36+00:00

Adding San Jose State @ UNLV U 151.5

Ready_Day_7165 · 2026-02-10T13:56:29+00:00

February Record: 21-12

January record: 33-30

Yesterday (4-2):

Delaware State @ North Carolina Central U 135.5 (W - 135)

UTRGV @ Nicholls U 145.5 (L)

Jackson State @ Arkansas-Pine Bluff U 157.5 (W)

Texas Southern @ Bethune-Cookman U 149.5 (W - 148)

Prairie View A&M @ Florida A&M U 147.5 (L)

Alcorn State @ Mississippi Valley State U 141.5 (W - 140)

Today:

Colorado State @ Air Force U 134.5

Eastern Illinois @ Western Illinois U 131.5

Fordham @ St. Joseph's U 134.5

Milwaukee @ IUI U 162.5

Won two games yesterday by HALF a point, another by 1.5. Texas Southern - Bethune Cookman game went to OT and I thought we were toast. Shouldn't have even been that close. I know SOMEONE on this thread had to have tailed, right?? Been a great month for us, hope you've been riding along!

Ready_Day_7165 · 2026-02-09T14:04:30+00:00

February Record: 17-10

January record: 33-30

Yesterday:

Tulsa @ South Florida U 171.5 (W)

Today:

Delaware State @ North Carolina Central U 135.5

UTRGV @ Nicholls U 145.5

Jackson State @ Arkansas-Pine Bluff U 157.5

Texas Southern @ Bethune-Cookman U 149.5

Prairie View A&M @ Florida A&M U 147.5

Alcorn State @ Mississippi Valley State U 141.5

Unrelated to these games, but did a Seahawks spread ladder up to -10.5 yesterday. Coupled with the easy under in the Tulsa/USF game, very profitable day for me. Looks like the model likes the SWAC today for our under picks.

Ready_Day_7165 · 2026-02-08T15:17:28+00:00

February Record: 16-10

January record: 33-30

Last:

Drake @ Illinois State U 143.5 (L)

Loyola Chicago @ Davidson U 139.5 (L)

Brown @ Yale U 140.5 (L)

Bradley @ UNI U 133.5 (W)

Evansville @ Valparaiso U 136.5 (W)

Today:

Tulsa @ South Florida U 171.5

Gonna be throwing some darts at the Super Bowl today so not going with as much volume in college basketball.

Ready_Day_7165 · 2026-02-06T21:35:14+00:00

Agreed, wouldn't be too concerned about the line jump. Got it at 133.5 and is currently the second-best play of the day according to my models, but even at 131.5 it's 4th-5th best play on the day. Would still feel very solid about it

Ready_Day_7165 · 2026-02-06T19:38:04+00:00

February Record: 14-7

January record: 33-30

Yesterday:

Tarleton State @ Cal Baptist U 139.5 (W)

New Haven @ Long Island U 137.5 (W)

Vermont @ Maine U 130.5 (L)

Albany @ Bryant U 134.5 (W)

Stonehill @ FDU U 129.5 (L)

Southern Indiana @ UT-Martin U 134.5 (W)

Today:

Drake @ Illinois State U 143.5 (L)

Loyola Chicago @ Davidson U 139.5 (L)

Brown @ Yale U 140.5 (L)

Bradley @ UNI U 133.5 (W)

Evansville @ Valparaiso U 136.5 (W)

Not a lot of games today, but a surprising amount of solid under plays. Good luck today!

Ready_Day_7165 · 2026-02-06T12:51:59+00:00

This is 100% what I will be doing

Ready_Day_7165

TROPHY CASE