TheOtherMe
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Post by TheOtherMe on Nov 6, 2023 11:36:42 GMT -5
Rukh O'Rorke I don't know of any company that credits payments on Saturday, Sunday or a banking holiday. Doesn't matter if it was initiated on a certain day. It's not going to credit on a weekend day.
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lark1964
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Post by lark1964 on Nov 6, 2023 12:24:06 GMT -5
Had an arborist out to look at my three trees to see about trimming, thinning, and/or removal. I knew one HAD to go but he said a second one is rotting from the inside out...showed me the gaping holes that are allowing water to collect inside like a rain bucket. ![](https://i239.photobucket.com/albums/ff155/JiminiChristmas/ymamsmiles/sad.png) The price is very reasonable. I remember having five fir trees removed back in 2000 and 2001 and that cost $2000 so I don't consider what they quoted to be too high. I do need to wait a bit since I just spent $2500 on auto insurance, a new laptop, and a plane ticket. Heck, if you wait until spring, it might fall under the epic snow we've been predicted to get this winter...... free firewood! My cherry tree in Philly cost me $400 bi-annually to trim, they shaped it, made it grow pretty, and what averaged out to $200 a year was just fine with me! But I drove by the house a couple of months back, they over-trimmed it or something, did a terrible job, and the tree looked positively wilted. It took 15 years of nurturing to bring that sapling into full-bodied beauty that everyone in the neighborhood loved, and only one really bad trim by someone who didn't know what they were doing... I hope it grows back, it truly was a lovely tree. Rukh O'Rorke, do you ever notice your bank changes payment dates to not occur on a weekend? You might have something scheduled monthly, but then the bank moves it to the Friday before or the Monday after. Same goes for holidays. I got into a dither with the bank once for them moving it to a different date and then not moving it BACK to the scheduled dates for the following months. Banking rules are business days during the week. And oftentimes, depending on the transfer rules between banks, even Monday payments aren't recorded until Tuesday after 8am. It's confusing and weird, but it's normal, don't sweat it.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Nov 6, 2023 12:55:45 GMT -5
Rukh O'Rorke I don't know of any company that credits payments on Saturday, Sunday or a banking holiday. Doesn't matter if it was initiated on a certain day. It's not going to credit on a weekend day. today is none of those. I was just saying they didn't initiate the transfer today.
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chiver78
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Post by chiver78 on Nov 6, 2023 13:03:47 GMT -5
Had an arborist out to look at my three trees to see about trimming, thinning, and/or removal. I knew one HAD to go but he said a second one is rotting from the inside out...showed me the gaping holes that are allowing water to collect inside like a rain bucket. ![](https://i239.photobucket.com/albums/ff155/JiminiChristmas/ymamsmiles/sad.png) The price is very reasonable. I remember having five fir trees removed back in 2000 and 2001 and that cost $2000 so I don't consider what they quoted to be too high. I do need to wait a bit since I just spent $2500 on auto insurance, a new laptop, and a plane ticket. curious what you were quoted for the current work. I've had two separate visits by arborists to this current house, and I'd love to compare notes to see how much I know I overpaid.
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chiver78
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Post by chiver78 on Nov 6, 2023 13:06:45 GMT -5
Had an arborist out to look at my three trees to see about trimming, thinning, and/or removal. I knew one HAD to go but he said a second one is rotting from the inside out...showed me the gaping holes that are allowing water to collect inside like a rain bucket. ![](https://i239.photobucket.com/albums/ff155/JiminiChristmas/ymamsmiles/sad.png) The price is very reasonable. I remember having five fir trees removed back in 2000 and 2001 and that cost $2000 so I don't consider what they quoted to be too high. I do need to wait a bit since I just spent $2500 on auto insurance, a new laptop, and a plane ticket. Heck, if you wait until spring, it might fall under the epic snow we've been predicted to get this winter...... free firewood! My cherry tree in Philly cost me $400 bi-annually to trim, they shaped it, made it grow pretty, and what averaged out to $200 a year was just fine with me! But I drove by the house a couple of months back, they over-trimmed it or something, did a terrible job, and the tree looked positively wilted. It took 15 years of nurturing to bring that sapling into full-bodied beauty that everyone in the neighborhood loved, and only one really bad trim by someone who didn't know what they were doing... I hope it grows back, it truly was a lovely tree. Rukh O'Rorke , do you ever notice your bank changes payment dates to not occur on a weekend? You might have something scheduled monthly, but then the bank moves it to the Friday before or the Monday after. Same goes for holidays. I got into a dither with the bank once for them moving it to a different date and then not moving it BACK to the scheduled dates for the following months. Banking rules are business days during the week. And oftentimes, depending on the transfer rules between banks, even Monday payments aren't recorded until Tuesday after 8am. It's confusing and weird, but it's normal, don't sweat it. I know this was meant to be tongue-in-cheek, but I just started twitching reading it. the most recent arborist visit here was for a pair of dead ivy-choked oak trees that were listing badly after the previous year's snowfall. they'd have fallen on a turnout area of my driveway, which isn't a problem (except cleanup/removal) but they would have taken down various wires to my house from the street poles. who knows how much of the wiring would have come down, and whether the whole street would be affected.
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TheOtherMe
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Post by TheOtherMe on Nov 6, 2023 15:42:24 GMT -5
Rukh O'Rorke I don't know of any company that credits payments on Saturday, Sunday or a banking holiday. Doesn't matter if it was initiated on a certain day. It's not going to credit on a weekend day. today is none of those. I was just saying they didn't initiate the transfer today. They may have. It's done behind the scenes. It's probably transferring at this moment. I set up some payments this morning for today. I can't see on the bank's end what is happening but I can see it is pending on the creditor's end, so it's in process.
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lark1964
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Post by lark1964 on Nov 7, 2023 10:39:46 GMT -5
I know this was meant to be tongue-in-cheek, but I just started twitching reading it.
the most recent arborist visit here was for a pair of dead ivy-choked oak trees that were listing badly after the previous year's snowfall. they'd have fallen on a turnout area of my driveway, which isn't a problem (except cleanup/removal) but they would have taken down various wires to my house from the street poles. who knows how much of the wiring would have come down, and whether the whole street would be affected. Wasn't trying to upset you.
I remember as a kid in the 1960's my grandmother had a huge old maple spreading out over the driveway, just lovely, but during a series of tornadoes in her area on the outskirts of San Antonio once, it was twisting and turning in the outskirt winds - what are they, latent? Anyway, the tree was starting to uproot, the wind was so nuts. And everything was moved out of the front room, in case it fell on the house, the neighbors, also, moved stuff out of a front room that could potentially have been victim if it fell on the driveway and crashed into THEIR house, and the cars were moved down the street - it was scary. And windy and messy. And in the end, after all the storms passed, the tree was leaning, half its roots exposed, but it hadn't fallen, it just looked drunk. And the driveway was unusable until it could be cleared. A couple of uncles had to cut it down and chop it up and everything, took a couple of days. And everyone said it could have been worse, we could have been hit with one of the tornadoes.
Heck, Hurricane Alicia, when I was a college student in Houston, I was at a friend's house, in the middle of the storm we heard banging on the front door, the next door neighbors, a tree did come crashing down on their house. Trees are lovely. And powerfully destructive.
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lark1964
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Post by lark1964 on Nov 7, 2023 10:55:32 GMT -5
And now... for the good news! Toyota 4,626.58 -4,626.38 4.65% 0.00 Discover 17,395.97 -600.00 25.74% 17,186.75 Target 9,863.83 -1,200.00 27.15% 8,901.05 Lowe’s 16,000.04 -600.00 26.99% 15,247.06 Trumark 17,206.46 -484.53 7.99% 16,900.00 65,092.88 -6,541.85 58,234.86 lark1964 [2]: 11/07/2023 $58,234.86 (4/13/2023 $80,738.38 C290)I have a new car, but I'm not putting it here, yet, really depends how the rest of this plays out, I know some say add it in, others say don't, I just want to see how much of this I can get rid of in the next couple of years. It felt REAAAALLLY good paying off the old car and also clobbering Target! Here's to momentum!
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Rukh O'Rorke
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Post by Rukh O'Rorke on Nov 7, 2023 13:54:03 GMT -5
student loan balance 99,713.18!
basking while I can, at 17/day+ it will hop back over the 6 figure line soon!
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Rukh O'Rorke
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Post by Rukh O'Rorke on Nov 7, 2023 14:00:22 GMT -5
And now... for the good news! Toyota 4,626.58 -4,626.38 4.65% 0.00 Discover 17,395.97 -600.00 25.74% 17,186.75 Target 9,863.83 -1,200.00 27.15% 8,901.05 Lowe’s 16,000.04 -600.00 26.99% 15,247.06 Trumark 17,206.46 -484.53 7.99% 16,900.00 65,092.88 -6,541.85 58,234.86 lark1964 [2]: 11/07/2023 $58,234.86 (4/13/2023 $80,738.38 C290)I have a new car, but I'm not putting it here, yet, really depends how the rest of this plays out, I know some say add it in, others say don't, I just want to see how much of this I can get rid of in the next couple of years. It felt REAAAALLLY good paying off the old car and also clobbering Target! Here's to momentum!
I'm not including my car either....really haven't figure out how everything is fitting together right now so just paying mins on everything and likely take a deeper look in 2024.
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nidena
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Post by nidena on Nov 7, 2023 14:52:49 GMT -5
It's a very tall tree. Easily 100 feet and is ~10 feet from the house and the neighbors garage. It's not leaning in any one direction but, if any large branch comes off, it'll likely take numerous power lines with it.
@chiver, $3800 for removal of the two trees and stump grinding. Not expensive, comparatively speaking but holy tookus, not cheap. lol
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chiver78
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Post by chiver78 on Nov 7, 2023 15:54:46 GMT -5
okay, I'm feeling less awful about my pair of arborist visits. mine were ~$3000ish and $2400, but I didn't bother grinding the stumps. I've since ground the stumps in the driveway and will be doing something about that with the landscaper that's fixing the stone walkway in the backyard.
for comparison, the trees in the first visit are ~40ft and then I had a bunch of existing stumps ground to clear space for the outdoor shower patio. the 2nd visit's trees were ~25-30ft, ivy-choked and very dead. it was just a delicate job due to the various lines and the proximity to the street on a dangerous curve. there was a 2-officer detail on the job.
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debthaven
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Post by debthaven on Nov 8, 2023 17:45:40 GMT -5
lark1964 have you heard anything more from your former lodger, or her kids? I truly hope not. I was thinking that if you live near a hospital, you might consider renting your guest room to a travelling nurse, AFTER you've recuperated from the hell the last person put you through. I think they still exist? From the little I know, the good thing about travel nurses is that they don't stay forever LOL. Or else a visiting professor, if you live near a university? Also, since you said that your credit score has gone up, might it be worth trying to see if you can either lower your interest rates, or open other cards with a lower interest rate? As always, I'm rooting for you and wishing you the best!
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lark1964
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Post by lark1964 on Nov 9, 2023 14:00:15 GMT -5
lark1964 have you heard anything more from your former lodger, or her kids? I truly hope not. I was thinking that if you live near a hospital, you might consider renting your guest room to a travelling nurse, AFTER you've recuperated from the hell the last person put you through. I think they still exist? From the little I know, the good thing about travel nurses is that they don't stay forever LOL. Or else a visiting professor, if you live near a university? Also, since you said that your credit score has gone up, might it be worth trying to see if you can either lower your interest rates, or open other cards with a lower interest rate? As always, I'm rooting for you and wishing you the best! Do WHAT![](https://i239.photobucket.com/albums/ff155/JiminiChristmas/ymamsmiles/idunno.gif)
Believe it or not, that was the initial idea I had, I would rent it to a nurse or a hospital resident, it seemed like a good idea. Then I met someone I wanted to boost up, you know, Women helping Women. Yeah. No. Silly me.
Actually, I'm taking the dog to the vet on the 20th, and then Doggie Day care starts after that. New expenses for my new Furry Kid.
Gad. Unless I can find someone to adopt him. Got his name at about a half dozen rescue groups, friends, family, all putting out feelers. Something's gotta give somewhere. But meanwhile, I'm taking care of him. Better than he's ever been cared for.
I want to pay off my cards, period. And never use them except occasionally and always pay them off immediately. Right now, I'm content to be calm and rational and not deal with anything new or different.
Give me to time to catch my breath, and then I'll start freaking out about new things... *sigh*
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lark1964
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Post by lark1964 on Nov 9, 2023 15:14:31 GMT -5
It's a very tall tree. Easily 100 feet and is ~10 feet from the house and the neighbors garage. It's not leaning in any one direction but, if any large branch comes off, it'll likely take numerous power lines with it. @chiver, $3800 for removal of the two trees and stump grinding. Not expensive, comparatively speaking but holy tookus, not cheap. lol When I was a kid we moved into a house with a little pine tree forest in the back. My dad cut down most of them, left 2 just for shade. But we had stumps. Lots of stumps. He cut those down, and then we had buried stumps.
Our church had a "slave auction" every June of the teen youth, and we'd be hired to raise funds for whatever activity, and my dad and two others competed to buy boys from the football team, I think he spent about $400 to bring two in; they were to work eight hours, they dug out five, and then there was the last one, the sixth, a big huge stump, the guys got excited, after nearly eight hours (total) they were able to move it, so they insisted my dad let them keep working, and they were there until about 8pm (three more hours). They finally got it out, he paid them another $50 apiece. $500. Six stumps. That was in... 1979? Maybe 1980. Long time ago...
Nothing was ground, though, my dad chopped them up himself with a huge axe and a circular saw, as I recall, before he just laid them up and left them to dry as firewood. Lotta work.
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TheOtherMe
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Post by TheOtherMe on Nov 9, 2023 18:06:43 GMT -5
Dad and the neighbors (mostly dad) cut down a tree in our front yard that had succumbed to Dutch Elm Disease in the 1960's. I think the neighbor was afraid it would fall on his house and dad was deathly afraid of heights. I have no idea what dad paid the neighbors to cut the tree down.
As I recall, they chopped the wood and it disappeared. Nobody in our neighborhood had fireplaces so I don't know where it went.
The stump stayed. The sidewalk went around the tree so now we had a curved sidewalk with a stump. When mom and dad sold the house some 40 years later, that is the way it was. The next buyer had the stump removed but the curved sidewalk remained.
The 2nd buyer had the sidewalk replaced and where the stump once was can no longer be seen.
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Minnesotagirl7
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Post by Minnesotagirl7 on Nov 10, 2023 10:14:06 GMT -5
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nidena
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Post by nidena on Nov 10, 2023 20:30:18 GMT -5
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ners
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Post by ners on Nov 10, 2023 22:16:52 GMT -5
nidena I always paid my payment the day after my Helco statement posted. One month I saw the payment amount come out on the due date. Fortunately, it did not put me in the whole. I now make a principal only payment (when I have extra funds) the day after the statement posts. I was told I could not stop the automatic withdrawal of the payment even if I made the payment in full earlier in the month.
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nidena
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Post by nidena on Nov 10, 2023 22:30:04 GMT -5
nidena I always paid my payment the day after my Helco statement posted. One month I saw the payment amount come out on the due date. Fortunately, it did not put me in the whole. I now make a principal only payment (when I have extra funds) the day after the statement posts. I was told I could not stop the automatic withdrawal of the payment even if I made the payment in full earlier in the month. I have no automatic payments set up for this. It's due on the 9th. I transferred $$ from my primary bank on the 1st and it "arrived" in my account on the 6th. I made the payment on the 8th. It cleared on the 8th but then the other "payment" came out on the 9th. I know it's just a matter of 1s and 0s getting muddled in the mix but it's annoying as hell. This only the second payment I've made on this and BMO has a shitty digital banking experience. Once I get my system taken care of, it won't be an issue. In the meantime, they're holding $248 hostage until the dust settles.
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lark1964
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Post by lark1964 on Nov 12, 2023 10:34:52 GMT -5
There is a light at the end of the tunnel: the son showed up this morning to pick up the dog! OMG!
He's bringing a u-haul to pick up her boxes. O. M. G.
:: breathe :: :: breathe :: :: breathe ::
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TheOtherMe
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Post by TheOtherMe on Nov 12, 2023 11:24:09 GMT -5
That is fantastic news! Happy that stuff will be gone and you will no longer have a dog to care for.
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nidena
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Post by nidena on Nov 13, 2023 8:58:26 GMT -5
Well, the dust has settled and it's not a muddle of 1s and 0s. For whatever reason, the bank pulled a second payment. I have other plans for that money so I'm headed out to request a payment reversal.
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lark1964
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Post by lark1964 on Nov 13, 2023 10:29:37 GMT -5
Well, the dust has settled and it's not a muddle of 1s and 0s. For whatever reason, the bank pulled a second payment. I have other plans for that money so I'm headed out to request a payment reversal. My experience with banks and doubling payments and what-have-you - they won't return it, but they will offer to skip a month's payment. Not the way I'd like to do things, but I think you're stuck with that double-payment. And you have to solidify with them how that payment is going to occur every month going forward. What a pita!
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TheOtherMe
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Post by TheOtherMe on Nov 13, 2023 11:32:00 GMT -5
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chiver78
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Post by chiver78 on Nov 13, 2023 12:55:30 GMT -5
here's hoping it isn't Bank of America. that computer mix-up took six weeks to straighten out b/c nobody would actually listen to me. one of the projects cards I'm going to be shuffling one last time in March is a BoA card. clearing that balance means I will have both of those cards at $0 at the same time. with my current overall utilization down to 19%, I can take the cap hit of closing $30k of available credit to cut all my personal ties to that awful place. ![](https://i239.photobucket.com/albums/ff155/JiminiChristmas/ymamsmiles/sick.png) I can't wait!
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lark1964
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Post by lark1964 on Nov 13, 2023 13:32:39 GMT -5
chiver78 , in the beginning I had Citibank and "BofA - NCL" - both paid off last month, but this month, I had interest on the interest, $9 from Citi (payoff of $3k), and $48 from BofA (payoff of $1700).
My experiences with BofA bounce back to my mortgage with them... 15 years ago? I have no love for them at all, they are slimy on their best days.
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chiver78
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Post by chiver78 on Nov 13, 2023 13:47:33 GMT -5
chiver78 , in the beginning I had Citibank and "BofA - NCL" - both paid off last month, but this month, I had interest on the interest, $9 from Citi (payoff of $3k), and $48 from BofA (payoff of $1700).
My experiences with BofA bounce back to my mortgage with them... 15 years ago? I have no love for them at all, they are slimy on their best days. I had originally opened my account with them when I was travelling all over hell and creation for work, internationally. they had the most partner banks, where I could easily (and without fees) get local currency when I got there. as a mid-20s woman travelling alone, I was already a pretty good target if someone was looking for one. carrying a bunch of cash didn't strike me as a great idea. I'll see if I can go back and find a post that summarizes the 6w of hell I had with them. basically, they f'd up, I was already tight enough that the f-up overdrafted a bunch of things, and it all just went to hell. I opened my CU account the next day, and had my paycheck direct deposit changed over before the next time it hit. as soon as they pulled their heads out of their asses, I closed my ck/sav.
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nidena
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Post by nidena on Nov 13, 2023 15:09:46 GMT -5
In conversations with the banker, I told her I couldn't understand why they would do an autopayment THIS month when they didn't do one last month or the month prior. Well, in talking to another coworker...get this shit...if the customer doesn't make their payment within three days of the date due, they will pull it "as a courtesy". That is some bullshit. Dates due are dates due. Wanna pull funds? Do it if I DON'T make my payment on the date due.
We'll see what happens.
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lark1964
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Post by lark1964 on Nov 14, 2023 11:06:51 GMT -5
In conversations with the banker, I told her I couldn't understand why they would do an autopayment THIS month when they didn't do one last month or the month prior. Well, in talking to another coworker...get this shit...if the customer doesn't make their payment within three days of the date due, they will pull it "as a courtesy". That is some bullshit. Dates due are dates due. Wanna pull funds? Do it if I DON'T make my payment on the date due. We'll see what happens. wtf is "within three days" Since when is that ever acceptable? All my auto-payments occur on the due date. Period. Nobody takes anything earlier. And if I happen to make a payment before the due date, the only thing that auto-pays is the balance still due, if anything is still due. So if I owe $100 and I've paid $95, only $5 is taken - on. the. due. date.
Get away from them if you can.
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