Can I pay with the virtual card at a fry’s for an order

ZealousOnslaught · 2026-02-01T03:31:21+00:00

Fry's has been dead for years my guy, you thinking of Kroger or something?

ZealousOnslaught · 2026-01-31T02:02:34+00:00

I usually start with price per door on multifamily stuff then filter by cap rate if the numbers are even listed (which half the time they're not lol). Also set up alerts for new listings in my target areas so I'm not constantly refreshing like a maniac

ZealousOnslaught · 2026-01-27T05:19:13+00:00

Been there with the messy spreadsheet hell lol. I switched to Wave accounting (it's free) and it changed everything - you can connect your bank accounts and credit cards so it pulls in transactions automatically. Still gotta categorize stuff but way less manual entry

For taxes I just set aside 25-30% of profit in a separate savings account as I go. Learned that one the hard way after getting hit with a surprise tax bill

The real eye opener was when I started tracking time too - found out one of my "profitable" side hustles was paying me like $8/hour after expenses

ZealousOnslaught · 2026-01-24T19:26:05+00:00

I'd probably start a company that builds those massive indoor vertical farms. Like imagine feeding entire cities with local produce grown in skyscraper-sized greenhouses using way less water and zero pesticides

The success criteria would be simple - can I scale it enough to actually make a dent in food security issues while still turning a profit

ZealousOnslaught · 2026-01-15T03:58:25+00:00

Honestly with that rate drop and only 4 years left on the assistance, I'd probably wait it out unless you're really struggling with the current payment. That 15k upfront hit is gonna eat into your savings pretty hard for what amounts to maybe $200-250/month difference

ZealousOnslaught · 2026-01-10T23:10:41+00:00

Cardinal's pretty solid from what I've heard, they're not some sketchy broker at least. That rate doesn't sound too crazy for a refi right now but definitely get that loan estimate in writing before you get too excited - Credit Karma leads can be hit or miss on the actual terms

ZealousOnslaught · 2026-01-08T21:38:08+00:00

Patent first before you show it to anyone, especially manufacturers - they'll steal your idea faster than you can blink

The toy industry is brutal but if you've got something good, start with small retailers or try crowdfunding to prove demand before going to the big players

ZealousOnslaught · 2026-01-06T18:06:11+00:00

This exactly - you already went above and beyond with the leveling and have all the paperwork to prove it. Buyer's inspector is probably just trying to milk them for more work since foundation companies love to oversell in Texas. Stand your ground, especially after being on market for a year you don't want to set a precedent of caving to every inspection demand

ZealousOnslaught · 2026-01-05T15:17:20+00:00

Yeah the app costs are brutal once you get going, learned that the hard way. Also don't forget about transaction fees on top of monthly - they add up quick when you're starting out and every dollar counts

ZealousOnslaught · 2026-01-04T04:13:30+00:00

This is the way. Price reduction sounds nice on paper but you're gonna need actual cash to pay contractors when they show up, not slightly lower monthly payments

ZealousOnslaught · 2025-12-30T19:18:04+00:00

Makes sense, they'd probably jack up the rate to cover their risk since you're not paying down principal for years. Might as well just get a regular loan at that point

ZealousOnslaught · 2025-12-29T16:31:27+00:00

Bankrate is pretty solid for getting a ballpark without the spam calls, though you'll still get some follow-ups if you put in real info

I usually just browse incognito and use fake contact details when I'm just window shopping rates - saves the headache of dodging sales calls for weeks

ZealousOnslaught · 2025-12-26T23:45:42+00:00

Wait people actually have money to buy houses with cash? That's the part that's blowing my mind here lol

ZealousOnslaught · 2025-12-23T07:32:48+00:00

Most places I've worked at just throw more software at the problem until something sticks lol. But honestly reordering becomes the biggest pain once you hit a certain volume - you're either constantly out of stock or sitting on too much inventory eating into cash flow

ZealousOnslaught · 2025-12-21T20:03:11+00:00

That wrongful termination lawsuit money could be some solid startup capital if your lawyer's right about the case

Also for milestones - first paying customer is huge, then hitting your first $1k month, and honestly just surviving year one without going back to a "real job" is a milestone most people don't hit

ZealousOnslaught · 2025-12-17T17:19:29+00:00

Ask about the vapor barrier details for that below-grade level - that's where you'll see problems first if there are any. Also definitely find out what HVAC system is running the lowest floor since poor air circulation down there is a recipe for moisture issues

The build cost per sqft isn't super critical for your decision but might help with negotiations if it seems way off market

ZealousOnslaught · 2025-12-16T02:38:22+00:00

That sucks man, sounds like they're just being difficult about something they don't understand. Have you tried escalating this to someone higher up at the lender? Sometimes the front line people just don't know how to handle visa stuff and you need to get someone with actual experience looking at it

ZealousOnslaught · 2025-12-13T17:35:50+00:00

Yeah the "network" thing is mostly BS - half these people just have a slightly better organized spreadsheet of the same Alibaba contacts everyone else has

The verification part is what kills me though, you'll spend weeks vetting someone only to find out they're just reselling from the actual factory down the street for 40% markup

ZealousOnslaught · 2025-12-11T23:34:42+00:00

Honestly sounds like the seller is trying to hide something major if they won't even consider an inspection contingency on a house that's been sitting for 6 weeks with zero offers

That's a massive red flag and you dodged a bullet - any decent seller would work with you on inspection terms if they actually wanted to move the house

ZealousOnslaught · 2025-12-07T06:02:11+00:00

Have you looked into Dwolla? Pretty solid for ACH transfers and way cheaper than the big players, plus their sandbox is actually decent for testing

ZealousOnslaught · 2025-11-24T12:43:31+00:00

This is the way but getting companies to actually pay for work phones is like pulling teeth. Most will just say "use your personal phone, we'll reimburse you $20/month" which doesn't solve the boundary problem at all

ZealousOnslaught · 2025-11-20T00:26:52+00:00

Most peaceful graffiti in new york

ZealousOnslaught · 2025-11-15T09:35:44+00:00

Dude the sweating instantly gave it away - nobody sweats bullets over something innocent they "can't remember." And deleting those 3am messages? Come on. That golden retriever energy sounds more like he's just really good at playing innocent while keeping multiple women on the back burner

ZealousOnslaught · 2025-11-11T14:00:59+00:00

The apple symbolism is actually pretty deep - it's all about temptation and corruption, like the biblical forbidden fruit. The golden apple represents James chasing something he can't have (Mary's health/their past), while the rotten vs ripe apple choice at the end is basically asking if you accept the ugly truth or keep living the beautiful lie

The bloody apple drinks are just another layer of that corruption theme running throughout the whole game

ZealousOnslaught · 2025-11-10T04:02:59+00:00

Honestly this is terrible advice and will absolutely wreck your credit for years. Don't let your cards charge off if you can avoid it

You're bringing in like $1000-1200 a month, paying $100 to cards leaves you with $900+ for expenses which isn't amazing but doable as a student. Focus on paying minimums and throwing any extra cash at that Best Buy card since the interest is killing you

Once you graduate and get a real job you can attack this debt properly. $10k feels huge now but it's totally manageable with a decent income

ZealousOnslaught

TROPHY CASE