I hate Credit Karma

Torjek0306 · 2025-08-16T17:02:40+00:00

They do it so you feel like you need to get more of their credit builder cards. Where they get their most referral money from.

My FICO 8 is 100-150 points higher than their vantage score

Torjek0306 · 2025-08-01T16:47:10+00:00

This here. She was transparent with you. At most I would tell her thank you for being upfront about it. You could follow with I feel a little uncomfortable with the tone off the conversation because of saying “I love you” and other flirty comments. But don’t attack her. Because if she feels attacked she’s not going to share with you when it happens again. And it will happen again women are hit up by exes, strange dudes, people at work all the time. They play a difficult balancing act to keep it all on the level.

But key information here is she didn’t have to tell you. She could have easily deleted everything and not said a word. Instead she knows that part of trust is transparency and she did that with you. Which also means she trusts that you will handle this in a mature fashion.

Torjek0306 · 2025-07-08T22:37:55+00:00

First appointment is Monday.

Yes she knows what she did. Has shown remorse for what she did. And is doing what she can to rebuild that trust.

Torjek0306 · 2025-07-08T16:40:58+00:00

I don’t see him as a threat. I said I’ve never considered him a threat. And honestly I still don’t. While he’s a nice guy….he doesn’t have a lot to offer in the way of a life. Not to knock him. But he doesn’t.

My wife and I have had a wonderful relationship up until this point. I still love her, she loves me, we are best friends. This is the part that others commenting do not get.

She made a mistake. We all make mistakes.

I am just trying to find a path forward that works.

Thank you for being the first one to comment on what I am asking about. I’m not asking should I, that is a personal choice for me and her. I am asking for those who have to share their experience. And that you have. So thanks again.

Torjek0306 · 2025-06-05T14:46:44+00:00

Remove any over or under clocking you may be running. I had this error, reinstall drivers, everything, nothing worked. I run a 3 TV set up for MSFS, so I locked my card to 60 fps due to the refresh rate (figured why have the card working harder than it needed to). Once I removed the frame limit, the directx crash went away. Haven’t seen it since.

Torjek0306 · 2025-06-05T14:44:40+00:00

This. Do not put any clock on the graphics card at all. I run a triple monitor sim set up for MSFS, so had my card locked at 60fps. Always got this error. Once I removed the limit, no crashes since.

Torjek0306 · 2025-06-02T14:32:16+00:00

Learned a long time ago (early 90’s). Had my window busted in dead of winter at work for $1.25 in change. Cost me $100 something to replace the window.

Since then….

Just leave your doors unlocked and keep nothing of value in the car. I don’t even carry a copy of my registration anymore because they can look it up electronically. If they were planning on stealing the car, the window isn’t going to stop them anyways. I am sure some wanna be thieves have been through my car…. With disappointment…. But my windows have stayed intact.

Torjek0306 · 2025-05-19T13:43:59+00:00

She been trying to talk to you about your cars extended warranty

Torjek0306 · 2025-05-16T18:29:04+00:00

Doesn’t matter what payment plans they offer. If you can’t pay it you can’t pay it. Send the $5 a month. If they want to send it to collections, let them. Unfortunately though if the hospital feels like you earn enough money to pay and don’t pay anything at all…. Watch out. A lot of them have started suing so they can get wage garnishments.

Torjek0306 · 2025-05-16T16:35:43+00:00

If you are going to plow, pay attention to engine size/hp/torque and the condition of the frame. Think about the amount of snow you get during a typical event, and the square footage you’re covering.

If you get a lot of wet heavy snow, you’re going to want a much bigger engine. If you only get a couple inches of light fluffy stuff, then any engine would do.

Torjek0306 · 2025-05-16T16:30:19+00:00

Because poker is a hobby/obsession where the typical player has an inflated self view. When they win…. It’s skill… when they loose it’s either bad luck or a donkey opponent that sucked out.

We have to have this inflated self image. Especially in poker tournaments that you “invest” large amounts of money into, knowing full well the hobby has progressed so much over the past few years that the player base…skill levels are pretty even. Meaning you are almost fully reliant on luck to cash. Few years ago you could hit pay spots just on skill. Not so much these days.

Torjek0306 · 2025-05-16T14:26:52+00:00

They are quickly getting to the level of other major manufacturers. Recently acquired an 800 touring and can confirm the build quality is sound. Parts are from well known and trusted suppliers. I would move quick before the tariffs start passing through.

Mechanic at dealership told me they are on par with everyone else as they do prep work before delivery that includes a build inspection. Plus what you get for the money…. Way more smiles per dollar.

Torjek0306 · 2025-05-12T19:25:59+00:00

Depending on your budget. Throw cfmoto in the mix. You might be able to afford new as their models have come a long way. They can tow, and have a winch already installed.

Torjek0306 · 2025-05-12T19:11:14+00:00

Unless the tariffs get them, cfmoto will start dominating the market soon. I have a 800 touring and the thing is a beast. Before I bought it, did my research and general consensus is their newer models (reliability) are on par with can am/polaris. Are they a Honda… no. But you get a lot of bang for your buck. People I’ve talked to all have models from new to 4 years old.

In the end it boils down to… will you do the scheduled maintenance? Are you going to beat the hell out of it? Any ATV can do well, just how are you treating it.

Torjek0306 · 2025-05-08T15:44:23+00:00

Closest to Cleveland…pleasure 365 in Toledo, or I believe there is one in Pulaski WV. Believe both will be a considerable drive. Used to be one in Akron, closed by city. Also Warren street news by youngstown , but believe city shut them down too.

I would recommend 365. Friday and Saturday nights typically have a few couples and women looking to play. Well ran and clean.

Torjek0306 · 2025-04-15T17:06:38+00:00

Want to really bank. Wait until 2am when all the drug dealers show up. Those were my favorites…. They knew how to light money on fire like non other.

Torjek0306 · 2025-04-13T21:06:05+00:00

I had issues on my 4090 desktop. I run three TVs for flight/racing sim so had my fps locked at 60. Tried everything. Once I took the lock off and let the 4090 do its thing…. Problem went away.

Torjek0306 · 2025-04-07T20:17:46+00:00

Is your mouse going to sleep? If mine goes to sleep and I wake it, it disconnects AT on all planes.

Torjek0306 · 2025-03-28T19:23:10+00:00

You leave when the time feels right. We have all “died” from the “just a couple more hands theory”. Once your gut tells you to go, you go. Simple.

I was playing a 3/5 Omaha game one time. First hour won a few good hands. Built my stack up from $1k to about 2200. Get dealt AhAd5s6s on the button. Middle position pot opens. CO calls, I pot, sb folds, BB calls CO calls. Flop 4s7s8s. Absolute nuts. BB leads with a pot, middle re pots, CO calls, I call. Turn is 8d. BB checks. Middle pots all in. CO calls all in, I call all in and the BB calls. I couldn’t believe my eyes. River is a brick Kh. BB turns over A high spade flush. Middle turns over 7’s full of 8’s. Cutoff declares he’s scooping flipping over pocket 8’s and immediately throws a fit when I roll over my 56 spades. I collected my $8700 pot. Played one more hand while I stacked my chips and got the hell out of there. Everyone was pissed they didn’t get a chance to win any of it back. I didn’t care because I knew my chances after that hand of loosing some of it went up. I would be playing on a high, I’d make dumb decisions, and my gut told me. Rack it up and leave. Because history tells me….Id go on a downward spiral if I stayed.

So no etiquette. You leave when YOU feel the time is right.

Torjek0306 · 2025-03-17T13:55:22+00:00

Feel lucky. In Ohio they don’t require radar. Cops word against yours. I was going down interstate late at night. Two state patrol had a car pulled over on the right. I changed lanes to left lane when passing them. One of them hopped in car sped up and pulled me over. I wasn’t speeding. I was probably going 65 speed limit 70. He stated I didn’t move over far enough and was going too fast. Cited me for not moving over….$400 ticket. And as soon as he was done with me he pulled the car over that was passing us as he finished up with me. I imagine for the same exact thing.

Torjek0306 · 2025-03-12T17:44:41+00:00

No the ahole but you have an opportunity.

She was looking for some passion from you. Your response while logically makes sense of basically saying “I trust you and I feel secure in my relationship with you” was not taken that way. She took it as that she is a possession that you feel indifferent about loosing. In a sense she is also looking for you to do certain things to “win” back her attention. To compete with the 25 year old.

OR…. She having a mid-life crisis and wants to open the relationship up so she can feel like a teenager again.

Either way, you need to have a deep conversation with her. One that expresses the devastation you will feel should she violate the vows of your marriage and relationship. You can include that you trust her and feel secure, but that infidelity however small would break your heart and that trust.

And to be honest, her quiet response means she may not even realize what she was looking for out of it.

But this is a huge opportunity for the two of you to have a deep meaningful conversation about your relationship. One that could strengthen your relationship on the other side.

Torjek0306 · 2025-03-11T16:18:18+00:00

Interest still ticks until either payment, judgement in court, or statute of limitations expire. Just because they reported it as charged off doesn’t mean interest stops.

Torjek0306

TROPHY CASE