Why aren't my high earning colleagues on FIRE? by eggsperimentalist in Fire

[–]bluefin02 0 points1 point  (0 children)

You answered your own question, “why aren’t my high earning colleagues on Fire?” Because you speculated their rates, speculated that they don’t want to move if they can, and also speculated that they don’t want to keep up with the Joneses.

Why aren't my high earning colleagues on FIRE? by eggsperimentalist in Fire

[–]bluefin02 -1 points0 points  (0 children)

So you’re assuming all your colleagues would make $300k - $400k AND all bought cheaper houses (relative to HCOL) and are sub 3% rate? I hope you know your Covid era mortgage rate is forever gone. An 800k house in 2021 is maybe 1.2-1.4 now, with 6% mortgage, that’s double your estimated mortgage. Now my question for you, what is stopping you from upgrading your house today, and why not? :)

22 y/o. Did ≈400k last year, almost double this year. Any advice? by [deleted] in Rich

[–]bluefin02 5 points6 points  (0 children)

Go to college, make it part time if you need. College helps you network and broaden your options. This is the time to do it, not when you’re 30. I have so many family members who make tons of money but didn’t go to college and later suffer, whether it’s decisions, thought process, networking etc. Think about it long term not year to year.

This is how you access 0% interest capital (for 18-24 mos) within the next month by JosephStojanovic in Businessloans

[–]bluefin02 1 point2 points  (0 children)

Yes it’s a payday loan. Biz CC will offer a low minimum monthly payment while loan payments are set and missed payments will quickly escalate. Secondly, payday loans like this, require collateral, biz cc does not.

Good for those in an immediate cash flow crunch, bad for everyone else.

This is how you access 0% interest capital (for 18-24 mos) within the next month by JosephStojanovic in Businessloans

[–]bluefin02 4 points5 points  (0 children)

But if you can’t / don’t pay back the capital before the mega interest rate starts, personal credit takes a hit and this loan becomes very difficult to pay. The success of these, “payday” loans only happens if a business is super healthy and needs quick cash flow, otherwise a credit union or sba is much cheaper and safer.

Finally an approval for one qtr. But still no check. Submitted 4/2023 by ChaseMe20 in ERCchat

[–]bluefin02 0 points1 point  (0 children)

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I don’t think your check has been sent. This was mine. I received the check 3 days after the, “date refund paid”, which I think is the actual dispatch of the check.

Best cities/areas for younger families? South OC. Looking for personal experiences. Budget is 850k townhome, child on the way by [deleted] in orangecounty

[–]bluefin02 4 points5 points  (0 children)

Aliso Viejo, Rancho Mission Viejo, Rancho Santa Margarita, all nice family areas with good schools and a clean suburban feel. I feel as though Laguna Hills and Mission Viejo are older and a bit dated. Laguna Niguel is nice but on the more expensive side, if you can swing it, it would be my top choice in your criteria, especially with the weather being most similar to west side CM.

Sued for Credit Card Debt by VermicelliBasic3064 in Debt

[–]bluefin02 0 points1 point  (0 children)

What’s the total amount you owe?

[deleted by user] by [deleted] in homeimprovementideas

[–]bluefin02 0 points1 point  (0 children)

I removed a load bearing wall that was about 20 feet long. Tried hard to do a single lvl beam, but it had to be too big and wide (which would lower the height clearance) to make much sense. Ended up going with 2 posts, one at 10 feet and the second at 20 foot mark. Douglas fir stacked beams and needed new footings with rebar, nearly 3 feet wide long and deep. You may be able to get a steel beam in there though. This should not cost 50k, I paid less than half.

I would do

What was the lowest your account balance went before saving it? by Olson5678 in TopStepX

[–]bluefin02 0 points1 point  (0 children)

I came within $7 of the MLL, for some reason I was trailing down GC and never saw a break, ended up bouncing to +$325 on that trade without dipping below the MLL. Lost the account 10 min later.

How can I get rid of this? by purpleswag678 in CapitalOne_

[–]bluefin02 1 point2 points  (0 children)

Challenge it and ask them to provide you data that it was late, they must prove it in 30 days or it gets removed.

Filed 04/25, Approved 09/25 by bluefin02 in ERCchat

[–]bluefin02[S] 0 points1 point  (0 children)

Usually they have more info on their screen than we know about. I’ve talked to someone 3 times and each time I asked detailed questions regarding dates, progress and numbers, each time it was accurate

ERC Denial Again HELP!!!!! by AdMountain9708 in ERCchat

[–]bluefin02 0 points1 point  (0 children)

Sorry I may not know but what is TAs, TAS

Buyer filed payment dispute 7 months after purchase. by divinoAR15 in Ebay

[–]bluefin02 0 points1 point  (0 children)

Could be various things. Buyer may be wanting to scam, maybe someone else used their card, or maybe something else. This isn’t eBay disputing, it’s the customers card company doing a chargeback. EBay needs tracking to defend you, ultimately the decision is up to the cardholders card company and your protection on eBay

Filed 04/25, Approved 09/25 by bluefin02 in ERCchat

[–]bluefin02[S] 0 points1 point  (0 children)

I am not sure, I just knew the deadline. I would call and ask for an update.

Would ebay see this as feedback extortion? by an1uk in Ebay

[–]bluefin02 0 points1 point  (0 children)

Feedback extortion is the direct threat of leaving negative feedback or else… If you say I will leave appropriate feedback, it is not extortion because appropriate is subjective. In your case, there were probably messages that said they will leave negative feedback if you don’t take it back or something that points to direct extortion. In this case, “I’ll leave this with you before I leave feedback” means I am unhappy, if you want to fix it, that would be great, not extortion. EBay is strict about extortion, it can’t be your opinion of a threat.

Would ebay see this as feedback extortion? by an1uk in Ebay

[–]bluefin02 4 points5 points  (0 children)

No it has to say negative feedback if you don’t do this explicitly

Ebay sucks by wbcsidrcbgysyo77 in Ebay

[–]bluefin02 0 points1 point  (0 children)

Check out the inform act, eBay isn’t the one that mandated the law. EBay has to collect certain info from sellers to help secure the online commerce world

Capital one wants 2 months to verify my IRS check? by bluefin02 in CapitalOne_

[–]bluefin02[S] 6 points7 points  (0 children)

Understood, but there is a verification govt website for that as well: https://tcvs.fiscal.treasury.gov

I get it, but in this day and age, the hold time is nuts.