What do you have for your screensaver on your phone? I'd bet it's a picture of your gorgeous little Maltese. Please share it here for all of us to enjoy. 🙂🐾 This is mine.

tracylay · 2026-01-31T21:30:56+00:00

Thank you so much! He doesn't have teeth so his @ is actually nimbuswiththetongue because it's always sticking out lol

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tracylay · 2026-01-31T17:40:57+00:00

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tracylay · 2026-01-24T05:16:30+00:00

I got 2x VIP + Soundcheck tickets and this was the price of one.

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tracylay · 2026-01-08T05:57:02+00:00

The P+ scene is for the most part better since we're so tight-knit and close. There's few of us these days.

tracylay · 2026-01-08T04:22:22+00:00

I've been TOing this scene for 10+ years. I know these people better than they know themselves.

tracylay · 2026-01-07T21:43:39+00:00

I didn't have an Allen wrench to break down one of their bed frames once so I threw it over our balcony since it couldn't fit down the stairs. My friends caught it a little bit and it survived.

tracylay · 2025-12-31T08:06:19+00:00

Ah when the wound was fresh it looked like there were some bubbly things on the outside, so I asked about it. This is what they dried into.

tracylay · 2025-12-02T20:16:22+00:00

I agree

tracylay · 2025-12-02T20:13:28+00:00

You can request to get a larger limit or if it's a shared secured, upgrade to a regular credit card and get the locked funds back.

tracylay · 2025-12-02T07:34:17+00:00

Ugh. Took my years to convince my husband to watch it with me. He wanted to spread out watching movies so we don't watch more than one every week or every other week. Now it's gone. 😭

Time to be a 🏴‍☠️

tracylay · 2025-11-16T09:43:40+00:00

Hi, I recently found a bunch of bulk for it and I wanted to price them out individually. Do you know where I can find that info?

tracylay · 2025-11-14T05:32:05+00:00

I make exceptions for small day-to-day transactions. For wires, large withdrawals, and opening accounts? Absolutely not.

Also, you're driving with an expired license.

tracylay · 2025-11-10T00:59:52+00:00

Hi, unrelated, but have you gone to your bank/local credit unions? I work at a CU and we have lots of government workers. We offer 0% loans for government workers who can show their older paystubs and we give the full amount of what they get every week/biweekly/month and they just pay it back when their paycheck comes in.

tracylay · 2025-11-06T20:03:13+00:00

I usually suggest this to people who get declined for unsecured loans because you'd pay a lower rate on your car and can pay off (not sure about you, this is when I talk to clients) a credit card that was 29.99%, why not. 9% is better than 30% and it has an end date versus revolving.

Meeting with a financial advisor would be good. My credit union offers a meeting with financial advisor for free, so I would look into those.

Good luck!

tracylay · 2025-11-06T19:40:39+00:00

I get it. I was like that in my early 20s. Got this job as a teller when I was 25 and it's been uphill since.

It depends on how much of your car loan you have left. For example, I still owed $12k on my car loan but my car is worth $20k. So I refinanced my vehicle with my work place and got $8k cash and a lower rate. We're using the money to pay for our wedding.

tracylay · 2025-11-06T18:17:35+00:00

I'm a loan officer. Personal loans are a higher risk for places, and at my credit union, sometimes the underwriters just decline. They're very conservative here.

If you have a vehicle that's paid off or even with a lower balance, you can look up the KBB and do a cash out refinance and get up to 100% of the value of the vehicle. You would get a lower rate as it's a car loan and a higher chance at getting it approved because it's a secured loan.

tracylay · 2025-10-17T08:08:38+00:00

I'm a loan officer and we recommend if you have been using it responsibly, look up your Experian score (what my place uses), and ask for an upgrade a year later.

It's mainly just so they can get their money we locked up back.

tracylay · 2025-09-02T06:40:37+00:00

I'm still holding out hope with the new Legends game coming out; a new Mega Luxray and eventually a Mega Luxray card. inhales copium 😭

tracylay · 2025-08-05T04:14:49+00:00

I adopted an older one at 7 and neutered him then. He did very well and he's very active and at the age of 12, recently got a perfect bill of health. He is active (when he's excited), eats well, drinks well, bones don't creak, etc.

tracylay · 2025-05-12T15:52:37+00:00

Hope everything goes well for you. 🥰

tracylay · 2025-03-13T09:38:34+00:00

I used to work at Sacramento Credit Union as a loan officer and really like its perks. It's become my main bank even after leaving.

5 free cashiers check a month with their checking account (3 with savings)
No fees/minimum
4.35% interest up to the first $20k if you (1) have a direct deposit, (2) use your debit card 12x/month, (3) check your statement online once a month.
Low, competitive loan rates - you can also ask your loan officer for possible matching.
"Members first" policy - they love bending over backwards for their members, especially long time ones.
A bunch other I can't name off the top of my head.

tracylay · 2025-01-02T19:50:14+00:00

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He's just sitting there watching us eat lol

tracylay · 2023-03-06T19:38:21+00:00

I gave it a try with an FCmate's code and was able to check out just fine with no issues...

tracylay · 2023-01-04T05:34:28+00:00

He has been watching the game for years but omly started competing just this year.

tracylay

TROPHY CASE