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Everything posted by isislc

  1. Ok, as some of you know, I had major knee surgery last year and it is now 8 months since. I had quite a few major setbacks in the healing department, so to say that I have been back to boot camp since January is pretty much a miracle. Ok, now my problem. Ever since I had my surgery, I have found that when I get up from a sitting position, it's like my leg needs to catch up with my brain to be able to start walking. The leg that had the knee surgery is always cramped and it takes a few steps to get the walking problem worked out, in which case, about a min or two recovery to walk normal. I never had this problem before surgery and it doesn't matter what type of chair I sit on or how long I am sitting for. Now, I have increased my water intake and started taking a Potassium supplement which has helped a little but not much. It is painful and is getting me worried. My ortho surgeon said it was nothing to worry about but here I am still having those problems and it's not getting better. Any suggestions? Thanks ahead of time.
  2. Write a letter to the 3 CRAs and demand that they remove all information in regards to those accounts that you are an authorized user. If you have a previous copy of your CR showing you listed as an AU, you may want to include it with your letter since by now they probably updated it as you being its owner. They should remove all accounts related to the offending accounts since you are not legally responsible for the balances as an AU. From what I've read, you've only been battling with the OC which will get you nowhere since they just want their money. Go to the CRAs and send everything Registered mail so you have proof of it.
  3. My DF is definitely guilty of the "Cement Block" or "The Crippler". I always end up yelling at him because I'm usually left to plunge the damn toilet. Keep telling him to leave it at work.
  4. How to Poop at Work We've all been there but don't like to admit it.. We've all kicked back in our cubicles and suddenly felt something brewing down below. As much as we try to convince ourselves otherwise, the *WORK POOP* is inevitable. For those who hate pooping at work, following is the Survival Guide for taking a dump at work. *CROP DUSTING* When farting, you walk really fast around the office so the smell is not in your area and everyone else gets a whiff, but doesn't know where it came from. Be careful when you do this. Do not stop until the full fart has been expelled. Walk an extra 30 feet to make sure the smell has left your pants. *FLY BY* The act of scouting out a bathroom before pooping. Walk in and check for other poopers. If there are others in the bathroom, leave and come back again. Be careful not to become a *FREQUENT FLYER*. People may become suspicious if they catch you constantly going into the bathroom. *ESCAPEE* A fart that slips out while taking a pee or forcing a poop in a stall. This is usually accompanied by a sudden wave of embarrassment. If you release an escapee, do not acknowledge it. Pretend it did not happen. If you are a man and are standing next to the farter in the urinal, pretend you did not hear it. No one likes an escapee. It is uncomfortable for all involved. Making a joke or laughing makes both parties feel uneasy. *JAILBREAK* When forcing a poop, several farts slip out at a machine gun pace. This is usually a side effect of diarrhea or a hangover. If this should happen, do not panic. Remain in the stall until everyone has left the bathroom to spare everyone the awkwardness of what just occurred. *COURTESY FLUSH* The act of flushing the toilet the instant the poop hits the water. This reduces the amount of air time the poop has to stink up the bathroom. This can help you avoid being caught doing the *WALK OF SHAME*. *WALK OF SHAME* Walking from the stall, to the sink, to the door after you have just stunk up the bath room.. This can be a very uncomfortable moment if someone walks in and busts you. As with farts, it is best to pretend that the smell does not exist. Can be avoided with the use of the *COURTESY FLUSH*. *OUT OF THE CLOSET POOPER* A colleague who poops at work and is Doggone proud of it. You will often see an Out Of The Closet Pooper enter the bathroom with a newspaper or magazine under their arm. Always look around the office for the Out Of The Closet Pooper before entering the bathroom. *SAFE HAVENS* A seldom used bathroom somewhere in the building where you can least expect visitors. Try floors that are predominantly of the opposite sex. This will reduce the odds of a pooper of your sex entering the bathroom. *TURD BURGLAR* Someone who does not realize that you are in the stall and tries to force the door open. This is one of the most shocking and vulnerable moments that can occur when taking a poop at work. If this occurs, remain in the stall until the *Turd Burglar* leaves. This way you will avoid all uncomfortable eye contact. *CAMO-COUGH* A phony cough that alerts all new entrants into the bathroom that you are in a stall. This can be used to cover-up a *WATERMELON*, or to alert potential *TURD BURGLAR*. Very effective when used in conjunction with a *SHIRLEY TEMPLE*. *SHIRLEY TEMPLE* A subtle toe-tapping that is used to alert potential *TURD BURGLARS*that you are occupying a stall. This will remove all doubt that the stall is occupied. If you hear a *SHIRLEY TEMPLE*, leave the bathroom immediately so the pooper can poop in peace. *WATERMELON* A poop that creates a loud splash when hitting the toilet water. This is also an embarrassing incident. If you feel a Watermelon coming on, create a diversion. See *CAMO-COUGH*. SOME VARIETIES OF POOP YOU SHOULD BE AWARE OF: *The King Poop* = This kind is the kind of poop that killed Elvis. It doesn't come until you're all sweaty, trembling and purple from straining so hard. * Bali Belly Poop* = You poop so much you lose 5 lbs. *Cement Block* = You wish you'd gotten a spinal block before you poop. *Cork Poop* = Even after the third flush, it's still floating in there. How do I get rid of it? This poop usually happens at someone else's house. *The Bungee Poop* = The kind of poop that just hangs off your rear before it falls into the water. *The Crippler* = The kind of poop where you have to sit on the toilet so long your legs go numb from the waist down. *The Chitty Chitty Bang Bang* = The kind of poop that hits you when you're trapped in your car in a traffic jam. *The Party Pooper* = The giant poop you take at a party. And when you flush the toilet, you watch in horror as the water starts to rise... NOW EVERYONE TRY TO GO POOP IN PEACE QUIT LAUGHING... POOPING IS A NATURAL PROCESS
  5. I'm not sure about any of you other guys with the old Cabelas cards but it's official that I was given a Chase card! I never received it so I had to call to have the card cancelled and a new one sent out. I like this deal better than the last, the account is now with a prime lender. Hope everyone got their replacement cards too!
  6. I would only add her to a couple of cards. She won't get a bigger credit score with the more cards you add. The fact that you almost maxed out the card will be displayed on her credit report. It will show up as her High Limit on the account, this is kind of frowned upon if you go over the limit. Everything current will still be reported how it looks now but the "High Limit" is kind of like the account's long term history. Otherwise, nothing really negative will come across on her CR as a result.
  7. Depending on who your primary card holder has for a lender, they may either add you just like that or else he/she would need to request a form from them. This would require your personal info, including you SS # and a copy of your ID. Mine had Chase and they sent me a letter directly, asking for the information to prove my identity. Once the requested info was returned, the account was added to my CR shortly afterwards.
  8. Np, I used AU to start out my credit rebuilding with a family member. Never had a card, just piggy backed. Now I have enough of my own credit that I had myself removed from the cards but I still get the positive reporting with the accounts for at least 10 more years.
  9. Maximum Fico utilitzation is between 1-9%, so it's recommended by keeping a small balance on the card. Paying them off in full each month would be the same thing as keeping it at 0. The only thing you do by paying them off in full, other than paying interest, is showing the CC company that you use the card and keeps it from being closed for non-use.
  10. Only difference in reporting is that one will say Authorized User on your CR the other won't. It will look as if it was their own credit card. Both groups actually reap the benefits of all the months of reporting. Not just the month in which they are added onto the card but for every month before that time since the card has been in existence. For example, I was added onto a friend's card as an AU and since then I've reaped the benefit of 12 years of perfect payment history. The funny thing too is that I was removed last year and the CC still continues to update every month with the reporting history. I don't think this part is actually true since the only way the AU notation would be noticed is if they do a manual review of your CR. No matter how she is added, she will definitely benefit with a favorable boost to her credit history and Fico. It would be a basic snapshot for the last 2 years with the check mark of colored in box. The account info would also add the correct date for when it was first opened, the high limit on the card, and the current credit limit of the card. The card will look as if it was her own card and she would show at least the last 2 years of perfect history. She will have all that I mentioned in the last question but it will also reflect a 0 balance. This will boost her utilization overall as well as for the individual card. Adding her on as either will definitely give her a boost no matter how you look at it. The only times the AU really comes into effect is if you default and they try to come after her for payment, she legally has no responsibility over the debt as an AU. The other way too is if they did a manual review of her application. Those would be the only times the AU would even be seen. Otherwise all the benefits are there for her to reap.
  11. If anyone is still interested, I've decided to leave access to my discounts open till the end of March. I've had a few people taking advantage of the discounts for buying computers. Remember, this is anywhere from computers to moving/relocating. Some of the vendors include, Target, Sears, Kmart, HP, Dell, Toshiba, Best Buy, Foot Locker, Etc. The discounts range from online shopping discounts to coupons you can print off at home and take it in to the store. Just PM me if anyone is interested and I'll give you the login information for the site. Believe me, it's well worth it. I do not get any access to anyone's personal information so don't worry. If you shop online they require you to create an account with your own password. I have no access to any of this information so don't worry. Enjoy!
  12. Well yesterday I went to my massage and OMG that felt sooo good! I had her work on corrective massage for the muscles that had been overcompensating with my surgery and work on my triceps which I hurt a couple of weeks ago. All I can say is WOWSA!!! I still had huge knots in my triceps that she was able to mostly work out. Then she went to work on my calf with the bad knee. It seemed like I had a permanent knot that no rolling or massaging would ever be able to get out. I swear, at the end when she did that it really hurt as she started but then I felt that knot release and I passed right out. She had to wake me up when our time was up. lol My official New Year resolution now is to make sure I get a deep tissue massage at least once a month for maintenance. It was great, I was going to hit the gym afterwards but then decided to just go straight home and to bed. Was out like a baby for most of the day.
  13. Thanks Snow. Yeah, bringing your own snacks is the sure way to stick to your plan always! Today I'm supposed to meet my sister's family at a water park in a hotel where they don't allow outside food to be brought in. I've already gotten permission to bring my food due to dietary needs. Most places are really good with that. As for the abs, oh yeah that feels good doesn't it? I had a botched gall bladder surgery years ago where they had to gut me like a fish to save my life. I have a scar that runs completely across and because of all the damage, there is a nice pocket of belly fat there I've been trying to get rid of. Just like you, when I sit back or stretch out, I'm now able to feel where my upper abs are and my rib cage. It's so nice to know you have that there instead of a spare tire. lol.
  14. You gotta share some with us!! hee hee. Hope you recover well from the surgery. You'll get the weight off. Just eat healthy and don't try to do too much now that you've had the surgery. That one can really damage you for good if you're not careful and overdo it. You have one good thing going for you and it's that you're a guy. It's so much easier for you guys to lose weight than it is for the rest of us. Just eat good healthy meals and cut out most of the sweets and fats from your diet and you'll be good to go. Walking is also your friend right now. When you get a chance, take your new puppy and squeaker out for a nice walk. That will help in the recovery as well as help get ya back into shape. Thanks for the complement. I'll tell ya, if you would go through what I am to get back into shape you would probably freak out like my sister did. She wanted to see what my boot camp was all about. When we finally went home she told me we were frickin nuts and the workout did nothing for her, was just a waste of her time. Low and behold the next morning she was texting me and calling me in tears because she was in so much pain that even her armpits hurt and I was a psycho Denise Austin because when she called I was at the gym and had already been there working out for 3 hrs. lol She said no more working out for at least a week till her muscles healed from the boot camp.
  15. If you wait, you "may" have a better chance of getting a bigger CL than $150. It would be better off too because lets say she went shopping and spent $50 on the CL of $150, well she now has 33% utilization on just that amount. Now, lets say you wait the 6 months and you get a $500 CL for doing so, that $50 of the $500 has now turned into a 10% utilization of that card. Remember, when utilization is calculated, it calculates utilization of individual cards AND overall utilization of all the credit you have. So, small CLs can hurt you if you use them and don't pay them off right away. It's better to just go for the big cards or the store cards that are guaranteed to give a nice CLI down the road.
  16. Yes That would be the best option. Because you're both married it shows that together you're able to maitain the responsibility of having a high CL card over time. No. She would be scored within a bracket of individuals that are under the same circumstances they are for determining her score. Then it would be a matter of time for her score to build history from there. Credit scoring is actually determined by matching you up with a group with similar circumstances. The two of you would be in separate groups. You as a card holder with X number of CCs and being the primary accountholder compared to others with similar number of CCs. Here she is an AU with X number of cards, compared to other AUs with same X number of cards. It's all the same, BK people compared to other BK people, People with judgments with others that have judgments. Hope you aren't too confused with this. Wait a few months, preferrably 6 so that it is well established. Then start for store cards like Target, Walmart, etc. Maybe even think of a secured card. In this economy if you can afford to squirrel away money in that fashion it would be a good idea. Once she has a couple of store cards, then try for a regular CC. But don't go hog wild on the credit. It could get out of control quickly if you're not careful then you guys will find yourself drowning in CC debt. It's a 50/50. If you're looking for a CLI, some cards may want you to keep a small balance. Optimal Fico scores fall under 1-9% utilization. It all depends on what you're looking for better Fico score, CLIs, etc.
  17. This is the part I loved. I've had the same type of argument with Cap1 and it always felt great when they say they apologize you ARE right! lol. Good job!!
  18. J_Snow: Nice reward for all the hard work!! If I had the time I would want to head down there. Right now I'm probably going to settle with a trip to Vegas with my daughter for her Bday. You're doing good on the weight loss. Keep it going! Don't forget, as much as you want to eat all that yummy food on the cruise, RESIST!! lol. Well so far so good. I've finished my first month of boot camp into our transformation challenge. I feel great and sore at the same time. Decided to pick it up a notch and started doing core strengthening/Kwando/water aerobics at Bally's. Last week I did 45 miles on the recumbant bike and the knee is doing great. You would never believe that I had full reconstruction surgery if it wasn't for the obvious scars. So far I've lost 14 lbs for the first month and went down another size. My total with last year is now up to 80lbs total weight lost!!! When I went to see my doctor on Monday she even reacted with a "Holy, wow!" comment. lol. Yesterday our boot camp group did a DVD shoot and we had to wear shirts promoting the group. I have been going with a XXL so asked for one and was told that the biggest one they had was an XL. I was disappointed that I wouldn't be able to wear it but tried it on anyways. OH MY GOD! I was so ecstatic, the shirt actually fit! It was just a bit snug in the but an annoyance easily ignored! I was beaming for the whole workout during the shoot. This was the first time I had been able to do some of the exercises we performed since I've had knee surgery. I even got a few comments from the PT and the others I work out with. Tomorrow is my gift to myself. I get to go in for a full body massage! Afterwards I get to go to the gym again and put in another few hours. This is the end of our off week and will start part 2 of our contest next Monday. So, feeling great, looking great! Knee is working sooo much better now too.
  19. Authorized users are still in effect. If you do a search, there have been several articles posted that it was more of a rouse to get people to stop paying to get on other's CCs for reporting. AUs are still alive and well and although they were trying to discourage immorale activity it wasn't necessarily to discourage valid family members from becomings AUs. As for joint users on a card, Yes, the CC company will usually pull the CRs for both people going on the card. Now if she doesn't work and you do, no worry there since the majority of applications now ask for Household Income as opposed to personal employment income. Your income would count as her Household income. Hope this helps.
  20. Haa haa, I love it. We have the problem at mine and DF's work about lunches being stolen. His gets stolen every now and then and no one will touch mine since it follows mostly a vegan and gluten free diet which everyone says is psycho food. So, my food is always there when I want it.
  21. OMG that's too funny. I woke up earlier this week craving Chinese food and Sashimi. Although Sashimi isn't too bad, it's sushi with the fish slice laying on the rice but rice is no no right now
  22. RESIST! RESIST! But I know what you mean about the restaurants popping up. I want to go back to eating sashimi again but really can't. Although the raw fish is fine, the rice isn't. I'm down 14 lbs in 3 weeks and don't want to blow it now. Yesterday I woke up wanting Chinese food. Been working out too much that I want to eat more and although it is somewhat of a good thing, it is possible to overdo it in my case.
  23. Yep, the FHA came around in the fall. Right now all first time home buyers are eligible for the 7,500 tax break. They are trying to pass a 15,000 break for ALL homeowners in the stimulus package. That would be a step in the right direction, I think.
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