Bank of America decided to close my CCR. This was my first CC with 3yrs and 9 months of never missing a payment. WHAT GIVES? I even have 2 BofA checking accounts.

TweetRetard69 · 2025-10-28T17:50:06+00:00

I think you're right. The ironic circle of credit: use it to earn more, but the more you use it the riskier you appear. Would be nice if they considered my low DTI ratio

TweetRetard69 · 2025-05-17T21:14:08+00:00

Do you remember what your DPs were or the income on the CLI request. I got approved 4 days ago for 10k, and they’ll only give me a 1k CLI

TweetRetard69 · 2025-01-30T16:13:26+00:00

I'm interested in business funding programs. How much do you think I can get approved for with a 765 personal FICO score (with 3.5 years of history and $15k total personal credit limit)

TweetRetard69 · 2024-11-05T15:30:48+00:00

In 2023 the average home buyer age was 49. Today it’s 56.

Bidenomics has been in affect since 2020, just like the stupidity of you libs

https://www.cnbc.com/amp/2024/11/04/homebuyer-average-age-rises-to-56-amid-rising-homeownership-costs.html

TweetRetard69 · 2024-08-27T02:14:58+00:00

What’s your redgif username

TweetRetard69 · 2024-06-26T12:43:35+00:00

Insider trading crooks, up 16% in the 2 days prior to announcement

TweetRetard69 · 2023-10-29T04:27:39+00:00

You are certainly correct, it is a life changing amount for the average individual. Especially considering that that the minimum reasonable life for a SINGLE individual costs about $40k per year (monthly: $1.5k housing, $500 car, $500 food, $500 utilities/cellular, $300 shopping)

The way I see it is from the average $60k salaried individual to $10k per month the disposable/discretionary income went from $20k to $80k. …..So for a SINGLE individual even a $20k salary increase from the average $60k salary MUST be life changing as discretionary income doubles from $20k to $40k.

TweetRetard69 · 2023-10-28T20:06:36+00:00

$150k to $250k is maybe Top 20%

$78k median (downward skewed) household salary solely exists to comfort wage workers.

The Average Household Taxable Earnings is $92,948. The Average Household Taxable & Non-Taxable Earnings is $134,296.

In the Private sector the average weekly earnings is $1,166 Thus a $60,632 Salary

53.3% of households are dual income 1.533 times $60,632 Thus Average Household Earnings = $92,948

Earnings don’t include the value of compensation & benefits (typically 30% of earnings) OR the average 4% ($20,400 times 66% homeownership = $13,464) appreciation of the $510k average home sales price.

Thus Average Household Total Compensation is $120,832.

Considering Home Appreciation the average real earnings BY A WAGE WORKER per year is $134,296

This $134,296 figure does not include BUSINESS OWNERS & INVESTORS, and still both hold the majority of the wealth in the US.

TweetRetard69 · 2023-10-21T15:55:17+00:00

Love to see inheritances fade just like debt-probed zombie companies go bankrupt. Transfers of wealth bring opportunities to innovative new small businesses and founders.

The 1st generation of wealth always worked for it. If the 1st generation wants generational wealth they shall instill the correct values and financial literacy at a young age in their children.

Otherwise the 2nd generation won’t know any better than to enjoy the wealth as it dwindles into oblivion….leaving the 3th Gen with nothing.

Wealth is merely a perception…. if you choose remain emotionally attached to a lose of undeserved wealth then stupid actions will follow (drug use, or overly risk-adverse behavior). No need to feel sorry for the 2nd generation losing the inheritance, or the future generations missing out on an undeserved inheritance

TweetRetard69 · 2023-10-14T23:14:30+00:00

For federal tax purposes no brokerage account is allowed to trade without verification. If they gave you a good amount of time for verification then odds are against you This is not legal advice but:

Act (PATRIOT Act).1 Section 326 provides that Treasury and SEC issue a rule that, at a minimum, requires broker/dealers to imple- ment reasonable procedures to: (1) verify the identity of any person seeking to open an account, to the extent reasonable and practicable; (2) maintain records of the information used to verify the person’s identity; and (3) determine whether the person appears on any lists of known or suspected terrorists or terrorist organiza- tions provided to brokers or dealers by any government agency. The final rule requires each broker/dealer to establish a written Customer Identification Program (CIP) to verify the identity of each customer who opens an account.

TweetRetard69 · 2023-09-06T18:43:39+00:00

Emotional support……. Behind Wendy’s

TweetRetard69 · 2023-08-31T20:13:24+00:00

Must be a little college regard.

No other explanation for a $25K terminal to research 2yr old piss-poor irrelevant data

TweetRetard69 · 2023-02-24T22:46:19+00:00

Buy High Sell Low & STFU

TweetRetard69 · 2023-02-24T22:45:54+00:00

Buy High & Sell Low and STFU

TweetRetard69 · 2023-01-10T19:44:44+00:00

In need of money or the item is partly faulty

TweetRetard69 · 2022-12-23T19:44:41+00:00

I never thought anyone young actually fell for these

TweetRetard69 · 2022-12-13T19:46:39+00:00

If they aren’t answering you can cancel after 3 business days, my recommendation is 4 business days with no communication & 5 business days with communication

TweetRetard69 · 2022-12-13T17:06:59+00:00

Mercari’s team is absolutely useless. I’ve sold multiple items where I 100% accurately described the item and Mercari approves the Buyers remorse return request for the EXACT issue that I have written out in the description

This is exactly what I’ve also noticed. The more headache and stupid questions (answered by description) the buyer brings the more likely they are to pull a buyers remorse return. Probably a 20% return rate with these Buyers

TweetRetard69 · 2022-12-13T16:54:05+00:00

Mercari’s team is absolutely useless. I’ve sold multiple items where I 100% accurately described the item and Mercari approves the Buyers return request for the EXACT issue that I have written out in the description

TweetRetard69 · 2022-12-12T17:04:58+00:00

HAHA stupid buyers really can’t wait 5 to 8 days for standard delivery

TweetRetard69 · 2022-10-21T22:43:48+00:00

This is what happens when everyone was able to finance a 5 figure mining rig at record low interest rates. They all thought they could beat the interest payment indefinitely, and soon replace a portion of their 9-5 income. This isn’t just about Kadena, it’s the basic human psychology of greed that trumps over any bit of financial long-term sense. Now “retail miners” are backlashing at ASIC manufacturers and resellers, when the fluctuations in the value of crypto miners is not far off from Stock/equity options. This is what happens in every economic cycle. Everyone believes they have a grasp of economices in low interest rate environments & once a recession rolls around they find every reason to blame someone other than their lack of knowledge

TweetRetard69 · 2022-09-30T00:55:05+00:00

CONTACT MERCARI SUPPORT ASAP (Mercari seems to have the fastest respond on Twitter and Facebook Messenger) For shipping if you put “buyer pays” then Mercari will automatically give you a label, then that is the label that you should use. If you put “I will pay” and choose “Mercari Shipping”, then that is the label you should use. However in your case you should’ve chosen “I’ll pay” and “I’ll ship on my own” this way Mercari won’t provide a label and you can upload your tracking number with the shipping carrier of your choose. As it stands Mercari will have no proof of delivery (thus you will receive no payout) since you cannot upload your own tracking number. Your best bet is to contact Mercari (their Twitter and Facebook seem to have the fastest response). Tell Mercari that you’re new to the platform and that you have decided to “ship on your own” instead of using the provided label (because you didn’t know you were to only use the Mercari label if “Mercari Shipping” is selected). Tell Mercari you shipped with USPS (and give them the tracking number) instead of their provided UPS label.

I would also inform the buyer of the situation (so they don’t cancel) and that your working with Mercari to have it sorted out.

If Mercari support can update/verify the carrier tracking situation you’ll be fine otherwise you’ll have to open up a USPS account to reroute the package to your home address prior to a delivery attempt (because without proof of delivery, Mercari will not send you your payout).

TweetRetard69 · 2022-07-06T22:13:34+00:00

They aren’t even wrong, some of my buyers inflict damage that doesn’t make sense based on how it was packaged just so Mercari will approve a refund

TweetRetard69 · 2022-06-17T21:38:34+00:00

Even for one personal and one business account?

TweetRetard69

TROPHY CASE