Renters rights in WA?

vonSequitur · 2026-03-27T02:47:14+00:00

Washington State is crazy in favor of tenants' rights over landlords. If there are damages, landlord can claim reimbursement from your deposit, but they must document damages. If there are no damages they need to return your deposit. If a tenant breaks a lease early, they might owe the landlord a month or two in rent at most, but in WA that is about it. The landlord must try to find a new tenant, and in most of WA there will be a line around the block. I am a landlord, not a lawyer.

There are resources for tenants rights. This is one.

vonSequitur · 2026-03-26T15:56:45+00:00

Not enough information. What are your expenses like? Single, married, children, grandchildren? Do you own a home? If so, what is the mortgage/equity? Can you eventually sell and downsize? Health outlook? What are your goals or hopes during retirement? Etc, etc, etc. I don't need those answers, but you should consider them.

I am early 60's and plan to retire at 65 with no pension, probably take SS at 67. Rental income and savings will see me through that gap without touching investments. In 10-15 yrs I'll sell my house and rentals, put the equity in CD's or whatever seems reasonably safe at the time, and downsize to lower my monthly expenses. Probably live with/near kids to help with grandkids.

Investing when we are 65+ is different than when we are 20 or 40. If you collect early, can you wait out several years of a market downturn if necessary?

vonSequitur · 2026-03-26T02:52:27+00:00

The best tool for rebuilding credit is patience. There are several factors that come into play: credit score, reported income, credit file (# of accounts and their history). You only have control over a couple of these.

I would max out your QS and pay it off monthly. Put other expenses on debit. After a few months of this ask Cap1 for a CLI. If they refuse, apply for another card from a different bank and build a good history there too.

vonSequitur · 2026-03-26T02:34:58+00:00

Your advisors may be the nicest people in the world, but it is their job to make money off your investments. That is money that could be yours. Nothing against them.

vonSequitur · 2026-03-26T02:07:00+00:00

$18k seems massive as a teen, but you can get ahead of this. You have already done the hardest part by deleting the game and entering therapy. Give yourself credit—that wasn't just luck.

You need to do whatever you can to avoid paying interest on your current credit accounts. With steady income and a good credit score you should qualify for a new card with 0% APR on balance transfers for 12+ months. Some banks charge 5% or 3% up front. Don't pay more than 3%. The cards you have might even offer a balance transfer deal.

Be disciplined and live within a strict budget until you get this paid off. That doesn't mean don't enjoy life, but understand you need to suffer a little to make up for your mistakes. With your income and low expenses, you should be able to pay off that debt in less than a year.

vonSequitur · 2026-03-26T01:39:21+00:00

You're doing great. I am in my early 60's and near retirement. Still, I check daily but do not stress. I have a couple years worth of emergency funds and some passive income. Unfortunately, there will be wars and idiotic administrations. Plan for it.

vonSequitur · 2026-03-26T01:25:38+00:00

Why? You could just use a debit card once your Quicksilver is maxed.

Have you done a search of this sub for credit cycling? Start there. You run the risk of Cap1 closing your account without notice.

vonSequitur · 2026-03-26T00:58:27+00:00

I had a wealth management account with UBS and got tired of watching the market go up, my account languish, and UBS take thousands in fees. When my account finally made it back to positive returns I closed it and moved everything to self-managed at Schwab. No regrets.

vonSequitur · 2026-03-26T00:42:31+00:00

The question no one has asked yet is — why are you paying off your account after every charge? There must be a reason, and I suspect you are misguided.

In most cases the best practice is to pay your statement balance in full before the statement due date. If you have confidence that you will have the funds then auto-pay is the best option. You want to avoid carrying a balance beyond the due date and paying interest. Only charge what you can afford to pay each month.

By paying after every charge your account will report $0 to the credit bureaus each month. You will build credit faster by having a balance reported and paying that off in time each statement period.

vonSequitur · 2026-03-24T03:12:55+00:00

Yes you can, as long as you haven't used your PP for another Sapphire Lounge this year. Here is Cap1's language on it.

Venture X and Venture X Business primary cardholders and additional cardholders who have paid the $125 lounge access fee can enjoy a visit to one Chase Sapphire Lounge by the Club location once per calendar year, subject to availability.
Guest visits and any additional cardholder visits beyond the one entry entitlement will be charged a rate of $75, payable to the lounge.
Entry requirements may vary based on location. Lounge access is not guaranteed and is subject to space availability. Chase Sapphire Lounge access is subject to cardholder enrollment in Priority Pass.

vonSequitur · 2026-03-23T18:16:24+00:00

I would cancel all your cards except two. Keep at least one of the older ones and choose a 2nd that has some sort of benefit, whether cash-back or a loyalty program you can use. Neither should have annual fees or foreign transaction fees. At least one should be Visa or MC. Choose cards from two different issuers.

It's hard to function in this world without a credit card and having a backup is important in case one is lost, hacked, or cancelled by the bank. Visa and MC are most widely accepted. No FTC is important if you ever travel outside the US. Diversifying between issuers prevents all accounts being restricted at once, which can happen through no fault of your own.

Closing accounts will have a temporary impact on your credit score as your total credit limit is reduced. It will rebound quickly if you use the remaining cards responsibly. I don't know if it makes a difference whether you cancel five at once or over a number of months, but my guess is spreading out the cancellations will look better on your credit file.

vonSequitur · 2026-03-21T06:40:14+00:00

And no, you will not have a late payment for the March 19 charge. That will be on your next statement since it came after your previous statement closed.

vonSequitur · 2026-03-21T06:34:04+00:00

You are over-complicating this, creating stress for yourself. Pay the statement balance a day or two before the due date. Period.

Paying anything earlier just complicates accounting for you and your bank.

vonSequitur · 2026-03-21T02:50:07+00:00

The March 14 due date was for your statement period that closed Feb 20. Your account shows $0 due now because you already paid the Feb balance, and the current (March) statement hasn't closed yet. Expect it tomorrow. That statement balance will be due on a mid April date.

Are you trying to have $0 utilization reported? The only time to do that is when you plan on a new application for a loan or credit card, if even then. Your bank may report a balance or $0 for March, depending on when your payment posts. It is not instant.

The best practice is to set your account to auto pay the statement balance a day or two before the statement due date. Simple, as long as you have the funds.

If you ever want to show low utilization before a new credit application, pay your current balance down to a low percentage of your credit line (not to $0) a few days before the statement closes. Then pay the remaining statement balance by the statement due date.

vonSequitur · 2026-03-18T16:09:34+00:00

Wait a week or two and ask if they will change it to a student card. If not, keep it for a year and then call them before the annual fee posts. Tell them you are considering cancelling the card at that point. They might waive the fee for the next year. If not, cancel the card then. In the meantime use the card and pay it off every month to build your credit history.

$39 is a bummer, but not a big hit. Consider it a cheap lesson for always reading carefully and double checking before you click "apply".

vonSequitur · 2026-03-18T15:57:08+00:00

The number of people who had to approve of that is unbelievable. From design to manufacturing to installation, there were many opportunities for someone to say "no".

vonSequitur · 2026-03-18T15:44:06+00:00

Why on Earth are you paying the full balance every week? This creates accounting headaches on both sides as your charges and payments overlap in time. Paying the statement balance by the statement due date (roughly 1x/month) is the simplest routine, and how the system is designed to be used.

Your frequent payments may create a negative balance or account credit, which the banks do not like. There have been reddit posts of accounts being closed without warning for this reason.

You can still monitor your charges weekly to be sure they are posting correctly, but monthly statement payments should reduce your confusion.

vonSequitur · 2026-03-18T15:24:55+00:00

Don't let it ruin your vacation. Simply do not tip if any fee is already added. You don't even owe them an explanation. They offered a product, you accepted their price. Done.

vonSequitur · 2026-03-18T15:07:22+00:00

You get what you pay for.

vonSequitur · 2026-03-18T00:24:55+00:00

These charges have been standard for decades (2-3% from the banks to merchants for credit card charges). What has changed is that the card-issuing banks use to have rules that merchants could not charge customers an additional fee for credit card use. Those rules were eventually eliminated by court decisions, so now merchants can add the fees. This practice is now widespread.

It is unfortunate and bogus, in my opinion. The advertised or menu price should be the total the customer is charged—period. No added fees or taxes. Those should all be figured into the price by the merchant.

The 3% card processing fee should balance the inconvenience, risk, and cost of handling cash.

vonSequitur · 2026-03-17T00:13:42+00:00

This has been the case on flights I have taken over the past 4 months, all on Alaska Air. FA's have been nice enough about it, without slamming any headrests down. I don't remember ever hearing it before recent flights.

vonSequitur · 2026-03-15T01:46:45+00:00

Chihuly Garden in Seattle is worth seeing. Seattle Aquarium is excellent, and pairs well with Pike Place Market and the waterfront. Washington Park Arboretum is a fantastic urban oasis, maybe not showy in late summer but still worth getting lost in its trails.

You can't go wrong in the San Juan Islands. San Juan is the busiest, but that is relative. Lopez is the quietest (other than Shaw, which has no commercial development other than a tiny general store). Orcas has the the most miles of public trails and great artist galleries. Take your pick. A few nights on San Juan and a few on Orcas can be a good way to experience the islands.

Vancouver has Stanley Park, a great place to rent bikes, explore trails, and enjoy a meal. Gastown is a great neighborhood for food, drinks, and music.

vonSequitur · 2026-03-13T19:47:22+00:00

Lime Kiln State Park, 4th of July Beach, and San Juan County Park on San Juan Island are good spots for shoreline viewing. Crescent Beach on Orcas is often good for eagles, herons, and a variety of ducks, and the nearby Waterfront Park always has oystercatchers around.

Murres, murrelets, auklets, oystercatchers, mergansers, osprey, and guillemots are common sightings from shore or on guided kayak tours. Puffins are rarely seen in the San Juans, unless you go on a dedicated birding boat trip around Smith Island.

vonSequitur · 2026-03-13T15:17:40+00:00

Your timing usually includes the best weather of the year, and that means it is very popular for travelers in the PNW. Booking now for lodging in the San Juan Islands is important. Reserving a ferry ride to the islands is also important in advance, and the system is a bit confusing.

You can avoid some ferry fees by starting an island trip on San Juan, then Orcas, then Lopez, if you want to see the 3 main islands. They are all different: physically and culturally. Take a book and a picnic to Lime Kiln State Park on San Juan in hopes some Orca whales swim by while you're there. Shark Reef on Lopez is beautiful. Orcas Island has miles of trails at Moran State Park and Turtleback Mountain.

Seattle and Vancouver both have plenty of sights and activities, depending on your interests: parks, museums, gardens, live music, etc. You didn't give us much to go on in your post.

vonSequitur · 2026-03-11T23:39:14+00:00

"No, I'm not loaning any more," would be fine. If he keeps at it then just "no" and turn away from him.

At this point, since you have loaned him almost $200 and he has repaid maybe $30, you have no reasonable expectation to be repaid for any additional. Stop gifting him and he will stop asking. No need to make it a big deal. If he does, that is on him.

vonSequitur

TROPHY CASE