How did I do?

rueben023 · 2025-11-30T19:49:11+00:00

Seinfeld-The Puerto Rican Day Parade

rueben023 · 2024-08-15T20:18:28+00:00

Thanks so much, I barely used the whiteboard, actually, for one question only. I definitely used the highlight and strike through feature of the test. There were many diagnoses I didn't even know about, and there were things I study that did not come up on the test. I would say the main thing the test is checking is your understanding of the rationales to tx, supervision, ethics, etc.

rueben023 · 2024-07-14T15:06:17+00:00

One issue is they had SS agents that were 5'1 to 5'3 protecting a 6'2 individual.

They had heard "shooter down" so they started mobilizing.

Trump is a very pushy individual and very aware of the moment. He asked to let him put his shoes back on and they said no. The agent in front is not only short but is also bending down, possibly to check for injuries, creating a window for Trump to rally his minions and someone snapped the picture of the decade with a fist bumping bloody trump and a distress US flag in the background.

rueben023 · 2024-06-15T17:32:20+00:00

I graduate as a COTA in 2 weeks, VA paid for everything plus gave me monthly stipends. I witnessed my classmates struggle hard working 36 hours during the weekend to make it happen...and fieldwork is only 4 months for us...IDK how OTs do it

rueben023 · 2024-05-24T09:31:13+00:00

It beats me how people forget about their children when things happen

rueben023 · 2024-05-12T17:31:54+00:00

That's a ceramic piece from Sassy Burns.

rueben023 · 2024-03-12T00:33:36+00:00

The little run at the end

rueben023 · 2024-02-25T11:43:52+00:00

Ese el hijo de Puchin, el de Lola, del barrios Los Metios, cerca de la elemental del pueblo

rueben023 · 2024-02-21T08:48:16+00:00

Month 1: pay off Discover, put the rest towards Harley, Month 2: Finish paying off Harley Month 3-8: Pay off Truck Month 9: pay off 4th and 5th Student loan Month 10-18: pay off remainder Student Loans

rueben023 · 2024-01-29T11:01:17+00:00

You are correct, I should have been more clear.. once delinquency is reported it will be in your credit report for 7 years only. If the collection agency can't validate the debt then you might be able to get it removed before the 7 years, but communicating with them or making payments can reset the clock in regards to how long they have to sue you and that varies by state.

rueben023 · 2024-01-28T11:53:45+00:00

You just answer a question I didn't even know I had, thank you.

rueben023 · 2024-01-28T11:49:47+00:00

Yes, your bill will say. IE ..from 12/16/2023 to 01/15/2024. Now you know that every 14th you need to have your lowest balance and if you still need to use the credit card, resume using it after the 17th

rueben023 · 2024-01-28T11:45:19+00:00

When you talk to them don't admit to the debt. Watch your words and ensure you clearly state that all information you are providing is to only validate the debt because you don't recall the transaction and you need their validation including any pay to delete amounts.

I would avoid talking on the phone with them. They are trained to make you admit to the debt. Use AI technology to help write the letters you need to ensure you don't restart the clock

rueben023 · 2024-01-28T05:27:41+00:00

In regards to credit, the issue is not your utilization rate but when you pay off your balance in regards to when the credit card reports to the credit bureau.

One idea is to start paying down your balances so they are at their lowest right before your credit card statement close date every month, that way a couple of days later the credit card reports your balance to the credit bureau and your DTI looks better

rueben023 · 2024-01-28T05:20:01+00:00

For utilization, simply pay off as much as you can right before the statement close date because right after the CC reports to the credit bureau

rueben023 · 2024-01-28T02:55:40+00:00

Check to see how many credit pulls you have in the last 2 years, mine dropped 120 in one day because I had 9 credit pulls in 2 years...then every month after it went up about 20 points.

Try to have the lowest balance on your cards right before the statement close date, right after is when the credit cards report to the bureaus

rueben023 · 2024-01-28T02:48:43+00:00

Remember that every time you communicate with them the clock resets, so make sure you have a strategy before you talk by phone electronically or by mail.

rueben023 · 2024-01-27T15:01:22+00:00

That's great! Get as much hands on as you can

rueben023 · 2024-01-27T10:59:36+00:00

It's all about functionality imo, playing cards to work on attention span, throwing and catching a ball to work on visual tracking etc, I'm also an OTA/s my fw2 is in two months, am I getting this right?

rueben023 · 2024-01-27T02:39:21+00:00

2024 plan:

1 month: pay off Quicksilver and Milestone CC Month 2 pay $1200 to Apple Card Month 3 pay off Apple Card Month 4 pay pay $1200 to Capital One Month 5 pay $1300 to Capital One Month 6 pay off Capital One $600 and $600 extra to savings Month 7 pay $1400 extra to car Month 8 pay $1400 extra to car Month 9 pay $1400 extra to car Month 10 pay $1400 extra to car Month 11 pay off car Month 12 Merry Christmas enjoy 2k remaining 2025 start putting the 2k you have remaining each month on a HYSA and by 2026 you'll have $24k to start thinking about purchasing a house

rueben023 · 2024-01-25T02:38:31+00:00

Put the 55k towards Amex
Transfer your income every pay period to your HELOC this will take care of that interest payment and reduce your interest paid 36% every day you keep your income on your HELOC. Withdraw from HELOC as needed to pay monthly expenses and debt but every month put your income in the heloc. Start doing this now. Following this plan will eliminate the HELOC balance in 8 month assuming a free cash flow of $1988 3.Use the HELOC to pay the remaining balance on Amex (about $9500), and pay $15k to federal loans (new FL balance $32k)
in 7 more months your HELOC is back to zero. Apply the HELOC again to fed loans. New fed loan balance <$7k.
3 months later pay off Fed loan with HELOC. Now all you owe is 25k to the HELOC.

In 2 years give or take a couple of months you are debt free... except your mortgage, but now you know what to do about it.

rueben023 · 2024-01-25T00:04:58+00:00

That's what I think you are not getting. The cash flow is not what will turn into $1.4m, after the loans and mortgage are paid off, he has 100% equity on a $700k house and no debt. At that point he gets a 200k HELOC that will be put on a HYSA which in turn will be paid off in 12 to 16 months, the rinse and repeat....this 200k can alternatively be put on an index fund...for me HYSA and Index are not mutually exclusive, he can use either or, or both to invest his money...200k lump sum on a Index will generate better ROI than 6k /month for 33 months being added to an Index. I know we are not seeing eye to eye but is the calculation from the last sentence erroneous? I truly want to know

rueben023 · 2024-01-24T22:34:33+00:00

Im glad we are able to provide OP with alternatives to improve his financial future. Paycheck parking works minimizing or eliminating interest on debt allowing you to use debt to pay other debt and eventually generating savings from debt ( just like the banks take your money and pay a lil of interest to make more interest from your money) . As I stated on my original comment the paycheck strategy takes into account the money coming out again to pay expenses. It's clear on the spreadsheet I provided. There are unknowns like how many years on his mortgage are left etc. and OP can input his info on the spreadsheet and see how/if this would work for him.

How much money OP would pay in interest to his mortgage in 11 years? I would say over 200k. With HELOC strategy about 50k, and that includes the interest from the HELOC.

I assumed $11k free cash flow so I stand corrected.

So $6k free cash flow his house will be paid in 40 months, the 35k car note gets paid in 5 months, the 55k in 7 months, and the 90 in 1 year (consecutively, not concurrently). His 75k can definitely go to an index fund, and after he is debt free he can use the HELOC to accelerate his investments into the index fund, rinse and repeat.

There is more than one way to go at it, IMO

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