Chase bank appointments

forgive me if this seems obvious. I keep money for my college tuition in my personal savings account and it has almost no interest so 5k is sitting and I absolutely cannot lose the money at any point but wish it was gaining interest. I keep my emergency money lol in a piggy bank (900 ish). I work a kinda college kid job so meh pay. I’ve been looking into Roth IRA accounts and high yield savings accounts. Roth IRA scares me because I wouldn’t know what exactly to invest in. Is there any risks with higher yield savings accounts like chase bank for example 4% for what lol I feel like there’s a catch. Does anyone have any advice on how to get started ? Banks they recommend is there big concern I should be seeing for either ?

Every so often I see a post here asking about what bank or what credit card to get. In my own experience as well, many students are woefully uninformed on credit cards and how to optimize them. As such, I thought I would write a small guide as to what I think UM students should do when deciding whether or not to play the U.S. Credit Card Game.
Disclaimer: Targeted to students with SSNs. It also places a heavy focus on being able to travel while in university, not necessarily long-term strategies for credit card usage
What is the U.S. Credit Card Game?
Put simply, it is the optimization of Credit Cards (CCs). This can take a variety of forms, including getting credit cards for their sign-up bonuses (SUBs), garnering cash-back (in terms of cash and points) properly, what to do after getting a SUB, how to use the points properly, and much more.
Being in the U.S. is a tremendous advantage when it comes to CCs, as Americans get some of the best CC offerings in the world, both in terms of SUBs and cash-back.
Why should I play?
Well, maybe you shouldn't. If you aren't confident in your ability to manage your money and expenditures, then you are better off following the advice of someone like Dave Ramsey. CC debt can produce decade-long consequences, so stop here and give yourself an honest self-evaluation.
That being said, if you are financially responsible, then the world awaits you. For students, traveling during breaks is a time to make core memories. However, traveling is expensive. In fact, for international travel, airfare is likely the most expensive part of your journey.
So why pay it at all?
I've been to Europe, Asia, and Oceania, all without paying a single dime of the airfare. The only thing I paid was a meager 50-80 dollars for a fuel surcharge.
The secret? Credit cards. This is the name of the game.
At our stage in life, we aren't likely to get so much out of the cash-back cards just yet (not enough consistent spend). However, there are a multitude of CCs that you can get with a very thin credit history that will enable you to fly nearly expense free. You will unlock the previously impossible trips that you could not take with your friends. Experiences that you could only have after establishing a consistent income can be had right now, with the best friends of your life.
Seriously, you will not regret it.
How to play?
One of the greatest difficulties of the game is how to start. There are numerous tricks, restrictions, and guidelines to follow. I will link several resources below that you can read if you are curious. However, the most important one for us will be Chase Bank's 5/24 rule. 5/24 is a rule employed by Chase which will render an automatic denial if you have 5 or more new CCs in the last 24 months. What this means is, as a general rule, get your Chase cards early.
Disclaimer: If your parents are knowledgeable, they might have added you as an authorized user (AU) on their credit cards. So long as they have a good score and history, a lot of that can be imparted to you. For example, I have a friend who has had credit cards for a short time. His credit score is near 800, and his "credit history" is longer than his lifespan. If this is you, some of these rules may not apply.
Step 1: Make a Chase Checking account. They often have cash bonuses for this, so take advantage of that as well.
Step 2: Move your money there, and (if you have a job, you probably should at least part time) redirect your direct deposits to that account. Do not leave the balance low, as this can adversely affect you later on.
Your first card will be your worst one. There is no way about it. You will almost certainly be denied for a credit card at any of the major issuers (other than student/beginner cards that are worse than the ones I am about to list). That being said, the options aren't the worst. I would recommend the BoA Customized Cash Rewards Credit Card or Discover it cards. Look over these yourself, and choose. They both offer pretty decent cash-back options. They will give you cash-back, in terms of statement credit, not bank points.
One thing to keep in mind is that when you apply for a credit card, it will most often result in hard pull on you credit score, which credit issuers often do not like to see too many of. Each issuer has different rules and standards (Chase can be picky, AMEX generally doesn't care, etc). So don't just apply without considering your choices and likelihood of being approved.
Whichever card you get, put some spend on it (try for 10-30% utilization of your credit line, or a bit lower). ALWAYS PAY YOUR STATEMENTS IN FULL ON TIME. This is non-negotiable. Do not use your CC like free money. Treat it like a debit card, and only spend as much as you have.
As a general guideline, you can start getting new (and much better) cards about 6-9 months after your first card. Some of you may be fortunate enough to receive targeted offers even before then. You can also check some preapprovals from various credit issuers. Space out your applications.
In respect to the 5/24 rule, I would consider trying for a Chase Sapphire Preferred(CSP) as your second card. The CSP usually offers a robust SUB, and is an all-around great card. It has a $95 dollar annual fee (relatively low for a card of its stature). However, it may be a hard task with a short credit history. This can be helped quite a bit if you have a relationship with them (remember the checking account we established?). If you don't have a relationship with them, or your credit score is lower than ~715, or you have some other circumstance, I would look into the Chase Freedom Flex(CFF) or the Chase Freedom Unlimited(CFU). The SUBs for these other two are about 1/4-1/3 of the CSP, but they come with no annual fee. IMO, these are the most important CCS to begin with because they give you access to the Chase point system, Ultimate Rewards (UR). The SUBs are typically 25,000 and 90,000 UR points for the CFU/CFF and CSP respectively. They are worth about 1.6 cents/point, which gives you a value 400 USD for the CFU/CFF, and 1440 USD for the CSP. And that is just from the SUBs, you will accrue more from the cash-back value (which are given in points). These can give incredible value in travel, and much more. I will explain this more later. TRY NOT TO USE THE UR POINTS BEFORE YOU HAVE THE CSP OR CSR, AS THEIR VALUE IS LESS.
After you are established in the Chase ecosystem, for our purposes, as students with low, inconsistent expenditures, we will be looking for the highest SUB cards (within reason). If you for whatever reason spend a lot of money, then you have more options as well, but this guide may not be for you in the first place. There is a catch with most of the CCs that offer high SUBs. That is that they require you to spend x amount of dollars within a certain timeframe. Some of these spend requirements are very manageable (2000 USD in 6 months), and some are harder (5000 USD in 3 months). Do not stretch yourself thin here. You can do something known as manufactured spend (MS) to help reach that requirement, but I would not recommend it, as we are somewhat tarnishing our original goal with that. If you are in desperate need to reach your spend requiremnt, look into gift cards (they often have discounts, so you get the cash back and the gift card for extra value), although some credit cards have restrictions on this. You can also often pay your rent with a CC, although the fees for that vary. Do the math, and adjudicate whether or not it is worth it.
So, what cards should you be looking for?
In general, cards that give you bank points (Citi's Thank You Points (TYP), Chase's Ultimate Rewards (UR), AMEX's Membership Rewards (MR), etc). These offer the most flexibility. Some good cards in this category are any of AMEX's Platinum, Gold, and Green cards. They give out very very high SUBs, but their annual fees can get high, so do the math and make a decision. I would recommend against the Chase Sapphire Reserve since it probably isn't worth for students, the SUB is not that great, and the annual fee is very high. I would also recommend looking at cobranded airline cards. The AMEX Delta Gold, for example, recently dished out 75,000 SkyMiles after 2000 USD was spent in 6 months. Barclays AAdvantage Aviator Red is giving out 70,000 American Airlines miles after you pay the annual fee (99 USD) and make one purchase within 90 days. 70,000 AA miles gets you roundtrip to anywhere in the world. United Airlines recently devalued their points quite heavily, so I would avoid any of their cobranded cards for the time being. That being said, if their points get better, a 0 annual fee card called the United Explorer exists, and recently, the 70,000 miles SUB you could get would get you just about anywhere as well. SkyMiles, while hit or miss, can have so very amazing flash sales (most recently, they had a roundtrip flight to Auckland from just about anywhere in the US for 42,500 SkyMiles).
In general, I would recommend avoiding all store cobranded cards and exclusively cash-back cards until you have enough income and expenditures that it is worthwhile. For now, focus on getting the best SUBs so you can maximzie your experiences in college.
The general idea is for cards with annual fees, downgrade them after 1 year of holding it. If a downgrade option doesn't exist, then bite the bullet and enjoy what you got out of it, call for a potential retention offer, or cancel it. I would recommend trying not to cancel too many cards, as it can have adverse impacts on your credit in the future, and if done too often, can cause credit issuers to blacklist you. If the annual fee is too high for you to manage, and there is no downgrade available, then reconsider getting the card.
READ HERE IF YOU WANT TO KNOW AN EXAMPLE OUTCOME
Let me give an example. Lets say you get the AMEX Gold, AMEX Delta Gold, CSP, CFF, United Explorer, and the Aviator Red. If you move your MR points to Delta and the UR points to United, that gives you ~165,000 SkyMiles, ~180,000 United miles, and ~70,000 American Airline miles. The SkyMiles are worth about two roundtrips to Asia or Europe, the United Miles are worth about two round trips to Asia or Europe, and the American miles are worth about one round trip to Asia or Europe. That is 5 international trips. The combined first year annual fee across all of these cards is just $350, and all except the AMEX Gold and Aviator Red (sometimes can be downgraded) can be downgraded to a $0 annual fee card. 5 international trips, for 450 dollars before your fuel charges. That value is incredible. And this is all before you get the extra points from any expenditures you may be having. The combined spend across all these cards to get the SUBs is (in order from the original listing) 4000 + 2000 + 4000 + 500 + 3000 + 0. That is just 13,500 USD that you need to spend in order to get the SUBs. Assume you spread this across 3 years, that is just 4,500 USD a year. I am pretty sure most people live on more than 4,500 a year. Thats some (most?) people's annual groccery bill! Assuming your freshmen year you are building your credit, you could take an international trip every summer and then take two trips your senior year. Imagine traveling the world with your friends while in university, for much cheaper than if you had to pay cash.
That's about all I have to say. I have done extensive research on this topic, and I have employed it myself. I just hope everyone else can enjoy the perks as well.
Please ask questions and I can try to answer them to the best of my ability. I have left out some details in order for this to be as easy to read for the most people.
TL;DR:
Get your first credit card the moment you turn 18. Build your credit responsibly. Use it like a debit card. Pay in full, every month. Keep a spreadsheet. Enjoy as banks pay for your travels.
There are many nuances and rules, but I tried to keep it simple enough and digestible for the layperson.
Here are the two most important resources in learning about the U.S. Credit Card Game:
Doctor of Credit and US Credit Card Guide
There are several other travel-focused blogs that exist, so follow them so you can always get the best value out of your points. Often there are transfer bonuses from bank points to miles, and so you can getup to 50% more value than I stated above, depending on the offering.

CREDIT PROFILE
* Current credit cards you are the primary account holder of: -Capital One Platinum Mastercard - Feb 2019, $600 limit (was previously secured mastercard $300 to build credit, now unsecured) -Chase Freedom Flex - August 2021, $3200 limit
* FICO Scores with source (see note on FICO score sources below): Transunion - 757 Equifax - 758 Experian - 810
* Oldest credit card account age with you as primary name on the account: (example: 3 years - do NOT include cards you are an authorized user on) 4 years, 4 months (Capital One card)
* Number of personal credit cards approved for in the past 6 months: 0
* Number of personal credit cards approved for in the past 12 months: 0
* Number of personal credit cards approved for in the past 24 months: 0
* Annual income $: $78K
CATEGORIES
* OK with category-specific cards?: YES
* OK with rotating category cards?: YES
* Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
* Dining $: 300
* Groceries $: 200
* Gas $: 150
* Travel $: Varies month to month. When I do travel it is usually $400 for flights. Hotels can usually be from 300-1500 depending on length of stay
* Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
* Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $200-300 Amazon spend monthly, but varies to more/less depending on month.
* Any other significant, regular credit card spend you didn't include above?: $1300 car insurance payment every 6 months
* Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: NO
MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)
* Current member of Amazon Prime?: No
* Current Verizon postpaid customer?: No
* Current member of Costco or Sam's Club? No
* Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: No
* Current member of Chase, US Bank or any other big bank?: Wells Fargo
* Active US military?: No
* Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy): No
PURPOSE
* What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards): Ideally travel but would consider general use card with good travel benefits. I don't travel that often but would like to more and getting rewards back for regular spending and recursive travel points/benefits would help. I do travel for work on occasion which are put on my personal cards and then expensed so would love to put those expenses towards my own travel.
* If you answered "travel rewards", do you have a preferred airline and/or hotel chain?: Airline varies depending on price. Delta, Southwest, United recently. Marriott is usually my hotel chain but again I am open to anything with a good price.
* Do you have any cards you've been looking at? Been trying to decide between Chase Sapphire Preferred (1.25 points is nice) and the Capital One Venture (TSA pre-check/Global Entry coverage is very attractive to me). Again, these are the two I'm really looking at but open to other suggestions that may be a better fit with good travel rewards or other types of rewards if that might fit my profile better.

Santander, Chase, Cornerstone, TD, Bank of America, Capital One all unnaceptable by this new BNB third party provider, what fucking bank DO they take?
This is LUDICROUS! Can't move any of my coin out of my breached wallet in any fashion because of this stupid barrier.

So I have 2 bank accounts under my same but they are from different companies one is from chase the other from pnc my chase account has 100K and my pnc account has 3K I just opened the PNC account and have been using the chase account for like 8 years my PNC account is a savings account so whatever is in there I get 4% interest so I want to transfer 80K from my chase account to my PNC account but I need to know am I shooting myself in the foot in some way (all the money is legal paid by my company) I want to transfer the money as soon as possible but if I'm missing something please let me know.

Three New Terrifying True Scary Tales
​
Number One: The Pool
​
Now, this happened a very long time ago. I am not going to mention when or where though and I am submitting it anonymously. I don’t want people going back and finding out more about it and then lashing out of me.
​
I was 13 years old and my brother was 11. As I mentioned, this happened a long time ago and I think today, not a lot of parents would put a 13 year old in charge of an 11 year old. But this was not unusual at all back then. In fact, I was looking after my little brother all the time before either of us even hit 10 years old.
​
After a while, of course, always keeping my eye on him began to get very annoying. It interfered with my hanging out with friends. It was quite a drag when I would try to talk to girls. It was just a pain in the ass, really.
​
Anyway, one day during a really hot summer, our parents decided to drop us both off at the local swimming pool for the day. My dad had to work and my mom had errands and stuff to run plus work do to do for the church. It was so hot and there was no way we could afford air conditioning. We had one old fan in the house and a sprinkler in the yard that we could go play in. But the swimming pool was the much better option.
​
Of course the pool was very crowded. Lots of families would drop their kids off there during the summertime. And of course, even though I knew it already, my mom stressed to me, “Keep an eye on your little brother at all times.”
​
Some of my friends were at the pool too. I got to talking to them and they told me about this new girl who moved into town. She would be starting school that fall and supposedly she was really hot. So of course, I wanted to check her out. I knew the lifeguards would be watching my brother in the water, so he would be fine.
​
I went with the guys and the girl was really cute. My buddies all dared me to approach her, which was admittedly a brave thing for a 13 year old boy to do. Of course, I couldn’t chicken out in front of them, so I did just that.
​
She was a very sweet girl. We actually ended up talking for a little while. Her parents were at the pool though, and they called her back after too long. So I went back to the water to see how my little brother was doing.
​
The only problem was that I couldn’t see him anywhere in the water. This was a small town in a rural area, so although I said the pool was crowded, it wasn’t like a water park is crowded though. I should have easily been able to pick him out of the water. He just wasn’t there.
​
I went and searched around the area surrounding the pool and didn’t see him there either. My heart started beating faster and I began panicking. I went to the building where the showers and concession stand were. He wasn’t there either. You couldn’t leave that pool without going through that building, though. I asked the attendant if a 11 year old boy had left the pool on his own in the previous hour and he told me no.
​
I then went to the lifeguards and my buddies. I thought maybe there was a chance that I had missed him. It’s easy to occasionally miss someone in a crowd. The lifeguards ordered everyone out of the pool. Fortunately, there were no drowned children in the pool. Unfortunately, my brother was nowhere to be found outside of the pool.
​
The lifeguards had to call my mother at the church. I had never before lost track of my little brother like this before. I had no idea what to expect when she showed up. I was only thankful that the police were already at the pool or she probably would have whipped my ass right there in front of the entire pool.
​
The trouble I got into at home isn’t something that I want to go into very much. My butt very much has PTSD from the experience. But that was minor compared to the fear I felt for my little brother. Hell, I didn’t even have time to feel guilty although that I knew that I was. I was only concerned for him and wondered what would happen.
​
All day and night, I expected the police to bring him home. But that didn’t happen. I expected it the next day too. But it didn’t happen.
​
The town organized a search to look for him. I kept expecting to hear from them that they had found him. But that didn’t happen either.
​
After about a week of my brother not being found, I began fearing for the worst. I began thinking that he was dead. And I was terrified every waking moment of my life, expecting to absolutely hear the news that his dead body was found.
​
Nearly two weeks after the disappearance, we got a phone call from the police. They had found my brother and thankfully, he was alive. But unfortunately, that’s not the whole story.
​
Remember the attendant telling me that no boy had left on his own? Well that’s because the boy left with one of the lifeguards who was getting off duty. He had lured my brother out of the pool and into his car with promises of ice cream, something he and I rarely ever got. And my brother went to his house with him.
​
For all of that time, he kept my little brother locked up in his basement. He didn’t do anything sexually to him, thank God. But there was a lot of mental and some physical torment when my brother wouldn’t do what he was told to you. But the scariest part for him was thinking he would never get out and be with his family again.
​
Here is another weird part. The lifeguard wasn’t an adult. He did this while his parents were out of town for a few weeks. They came back early and caught him. And if you think I felt bad for my parents’ punishing me, what they did to him had to be legendary. The police thought he was either planning on killing or releasing my brother before his parents got home. But no one ever knew for sure.
​
He had to live with it without much help for a long time. Mental health assistance had a very bad stigma back then. But we’re both still alive today and he forgave me a long time ago.
​
Number Two: Taking the Garbage Out
​
A few weeks ago I went outside at around 3am to move the garbage to the curb since pickup would be in the morning. I often do this in the middle of the night. I just tend to keep weird hours and as the weather warms up for the summer I find the warm nights preferable to the sweltering days.
​
I’m not worried about bothering my neighbors since I don’t use noisy bins and all of the houses right next to me are currently empty. I actually find the quiet of the neighborhood at night quite relaxing.
​
Unfortunately since I don’t use bins animals are able to get into the bags a bit easier and while this doesn’t happen often it had happened on this night. So I was outside picking up the strewn around garbage and putting it into another bag when the silence of the night was suddenly broken by multiple police sirens.
​
At first they seemed distant and while they startled me it was not at all unheard of to hear sirens at night here. But usually it would be one in the distance. As I listened, still bagging the garbage, I could tell it was multiple sirens and they were getting closer. Then just as suddenly as it started it stopped again. There was just silence. By the time they stopped they sounded maybe four blocks away.
​
For a moment the night was silent again and I began hauling the bags to the curb when the neighborhood dogs began barking all at once. It was like every dog in the neighborhood had gotten the cue to start barking. Many were even howling. It continued for maybe a minute and once again it just stopped as suddenly as it had started.
​

I realized I hadn’t heard any barking or howling while the sirens were going and that’s normally how it would work. These dogs had started up separately from the sirens and just stopped all at once. It just wasn’t normal. I went back to the side of the house to grab more bags when the silence was broken a third time. 

​
Just a single chime in the night. Like someone getting a phone notification. This sound wasn’t blocks away. This sound was here. RIGHT HERE. No more than feet away. As I said, the houses around me are empty.
​
I was done. The rest of the garbage would wait until morning. I didn’t see anyone close by but that just made it worse. There was someone close by that I couldn’t see. I immediately went into the house to leave the garbage for the morning.
​
I don’t know if these things were related. If the cops had been chasing someone who’s fleeing had caused the dogs to bark. Someone who received a message on their phone as they approached my house. Or if it was all just a coincidence. But I won’t be taking the garbage out at 3am anymore.
​
A Commuter’s Nightmare
William M.
06/30/2021
​
Back in the 80s, I worked at the Irwin Memorial Blood Bank in San Francisco while living and commuting from Oakland, CA
​
My job as Registrar, took me all over Northern California, during Blood Drives at hospitals, clinics, major corporations, etc., where we would sometimes witness firsthand, the dead, being placed on gurneys, running out of the Coroner's or Medical Examiner’s rear doors, and down the sidewalks, because they simply didn’t have enough room or staff inside the morgues to process them. Mortuaries were having problems too due to the massive overload where deceased loved ones were admitted but not processed or interred for months or even years at a time.
​
I remember watching the News and reading newspaper accounts of E.R.s in hospitals, clinics, etc. so clogged with patients, that 1 in 10 would die waiting to just get in to see a Dr. It was a Public Health and Safety nightmare. It was a National disgrace. It was politically orchestrated mass murder. It was the B purge of the ‘80s and ‘90s.
​
I remember, starting work early on one of many Blood Drives (the A.I.D.S. epidemic was just getting started) and having to catch the first B.A.R.T. (Bay Area Rapid Transit) train out of the station at about 4:00 am, where morning after morning I would witness hundreds of people sleeping on the benches, or the sidewalks, or on the streets outside, waiting for it to open.
​
Hundreds of others would be seen walking around like zombies in the early morning freeze amid the concomitant yelling, screaming, moaning, begging, and pleading, all of it looking like a newsreel of the death camps at Auschwitz-Birkenau.
​
Many times, I was woken at home in the middle of the night, to the sounds of people howling and cursing outside my window at some real or imagined threat, until either the police came, which usually took hours because they were spread so thin, or some tenant, or other, ran them off.
​
I remember the time I woke up to the sound of a woman’s voice begging in the early morning cold for someone to help her. She kept repeating it over and over growing weaker and weaker until it was little more than a whisper.
By the time I’d gotten up, armed myself with the steel-reinforced baton I’d purchased at a Police Supply store, and ran the 5 floors down to the ground floor, I found her sitting in a taxi shivering from the 42-degree drizzle coming in off the Pacific. The cabbie told me it was alright; she was just cold and needed someplace to rest and warm up; He’d drop her off at one of the nearby shelters.
​
At the time, I was living in a local Residence Hall on Lake Merrit in Oakland, California which was little more than a converted Hotel from the San Francisco/Oakland Gilded Age of the late 1920s. It had 5 floors and a penthouse with a capacity of about 200. I never saw it get much beyond about 30 residents. It sported a full kitchen, dining area, big screen tv viewing room, swimming pool, and a recreation room with pool, foosball, and darts.
​
I lived with a friend, at the time, on the 5th floor just under the penthouse. There was an elevator, but like most refurbs, it didn’t work. That meant we'd have to climb 10 flights of stairs every day to reach our room. The best part was that we had the entire floor to ourselves. I guess nobody wanted to climb that many stairs. Because we were both runners, it was a little like running the 900 feet to the top of Angel Island, running across The Golden Gate Bridge and back, or running the 3.4 miles around Lake Merrit twice a day.
​
Because there was no air-conditioning, all the windows were left open during the summer months, but along with whatever cool air the San Francisco/Oakland Bay would bring through the gaping nearly wall-length vault ceilinged windows, it was always accompanied by the teeming, screaming City of Oakland street din: cabbies, buses, cars, trucks, vans, motorcycles, scooters, police sirens, ambulance, fire department, pedestrians, hustlers, druggies, break-dancers, prostitutes the homeless, et al. Day or night, winter or summer, it was like living in a jet engine test lab, somewhere on the 9th level of hell.
​
Of course, we could always close the windows against the noise 5 stories below. But if it was summer, with all the humidity coming off the bay, we’d roast like 2 suckling pigs in our own sweat even if we used a fan.
​
One night after a particularly grueling day at work, I came home, climbed Mount Everest (or at least K-2) to my steaming little abattoir, tore off my sports jacket, shirt, and tie, and fell into a coma-like sleep only to awake some 4 hours later to the sound of someone slamming a door, over and over, seemingly as hard as they could. It was about 2:00 am and raining so hard the water was pouring through the open window and flooding the floor and carpet. The sound was coming somewhere down the hall from one of the other units.
​
After about the 15th or 16th slam to my inner ear, I was up, as in a trance, running like a lunatic from unit to unit and window to window, covering the entire southside of the 5th floor; battening down the hatches, and getting drenched in the process. It was, how should I say: exhilaratingly infuriating. I was supposed to get up in 2 hours and commute to work in the upper peninsula.
Having unconsciously completed this Sisyphean task and realizing that there was zero chance of getting any sleep, I donned my foul weather gear, equipped my trusty baton (I used to tuck its 2 ½-foot length up my sleeve when running), and headed out the front door to Lake Merrit which was just outside the main entrance. From there, I trotted to the sidewalk circling the lake, and began to run.
​
As I ran counterclockwise against a torrential rain with a gale-force wind broken only by the occasional intermittent rainbow-hued lightning flashes which blinded me to almost everything around me, I almost ran into someone up ahead who was walking in the same direction.
​
He was hunched over against the wind and rain and wearing a long heavy winter coat. Unusual for that time of year, I thought. Whenever I would run in public, I always made it a courtesy to let people know when I was approaching especially from behind. I’d blurt out a perfunctory:
​
“Excuse me.” Followed by a conciliatory:
​
“Sorry.”
​
But apparently, the person ahead either didn’t hear me or didn’t care because, when I was about 6 feet from him, he suddenly turned around, exposing a darkened contorted face, jagged teeth, and a guttural growl that would have stopped a charging 600-pound Grizzly.
​
The sheer force of the malevolence emitted from this inhuman thing almost made me stop, but because I was moving so fast, the inertia along with the gale force wind and lightning strikes propelled me past him (or it), and fingering my steel-reinforced baton, I, in turn, steeled my nerve and kept running. I looked back only once to reassure myself that he (or it) wasn’t following.
​
Running on the leeward side now, with the rain at my back, I ran past a group of men in a circle smoking or drinking or doing whatever noxious or illicit thing I imagined, when, feeling charged with my own adrenalin, or the anger and resentment at that woman’s searing pleas for help, or the spook I’d almost run into, or just the gross injustices thrust upon the world in that dank, dark and dangerous time, I almost stopped, baton in hand, intending to take on the whole group: I may go down, I told myself, but at least I would take one or two with me.
​
Just then, the lightning struck particularly close to where I and they stood and the sheer blinding flash and concussive boom shook all of us enough to break up their conspiratorial collaboration and my righteous crusade; just enough, that is, to shove me headlong around the next bend, to the long straight full out dash to the front doors, the 5 floors, 10 landings, and 50 risers to rain-sodden home.
​
To get to work every day, I'd have to commute to the upper peninsula by using 3 buses, 1 train, and 1 cab and after a 10 or 12 or sometimes 14-hour day, I would have to take the same to get back. This meant that if I didn’t go out, make dinner, eat, or watch tv, I just might get about 4 hours sleep. Commuting took between 2 to 3 hours, one way.
​
Once on the way home, almost every stop was crowded with commuters. I was told that it was because there were so many buses down for repair. The ones still running were so filled beyond capacity, that the shocks and springs were sitting on the chassis, and stop after stop proved nearly impossible to take on any more passengers. Still, and despite the few getting out at every stop, the driver would take on even more and just pack them in.
​
I remember him yelling for people to get back behind the yellow line over and over. By then, he was long past any semblance of reason; his patience frayed to a single maniacal thought, his voice raspier and raspier, his manner, more and more brusk.
​
I can still see when he finally lost it; jumping up, out of his seat, with a nickel-plated 38 Caliber Revolver pointing at one of the passengers; an elderly woman, screaming from the top of his lungs:
​
“Get back behind the yellow line!”
​
I can still hear the woman begging the driver:
​
“Please...” while the passengers behind were practically trampling each other to get out of the line of fire.
I remember the sad, exhausted urgency in her voice; she really was trying to move back, but how could she, an old woman, do that with all those people blocking her way? Everyone knew this was an impossible task; everyone except the maddened driver. He just kept glaring, and bellowing with his gun out pointed right at her and the other passengers.
​
"Back up and make room" he yelled.
​
‘Or else what?’ I thought. ‘You're gonna kill an old woman?'
​
Getting up out of my seat, pushing my way through the throng who were pushing against me to get away, I managed to get within about 6 feet from the front when, roaring through the din and my fear and anger, I ordered the bus driver to:
​
“Put the gun down!” And again, with even more rage and authority:
“Put the gun down, now!”
​
The bus driver shocked that it might be a cop, or worse, shakily, put his gun back in his concealed carry holster and hypnotically sat back down. He resumed driving without saying another word. I got out at the next stop, along with the elderly woman. She was so shaken, that she busted out crying. I held her still fuming despite the close call because I would now have to wait for another bus and after that, 2 more; the train and a cab to get home. I wasn’t going to make it until well after 8:00 pm. As soon as I got home, I reported the bus number and the driver to Muni.
​
Many of the commuters I'd see day to day, or share a seat with were victims of the purge just trying to get out of the rain or the cold, or the wind, or the sun, even for just a little while. For them, it was easing the agony of living on the street, even just a little. For many of us regular commuters, during those dark times, it proved to be the same.
​
On one of the final buses that would take me to the train and across the bay, I remember standing, with about 50 others, on Market Street waiting. Like ours, stop after stop was so packed with people, some were standing in the street because there was simply not enough room on the sidewalk. The ones in the street would stay where they were for fear of losing their place and missing their connection and having to wait another hour, or more, to catch another.
​
Because the rapidly descending elevation of the southbound streets ending at Market Street from the upper peninsula were so steep and the transverse angle of the turn so sharp, some of the buses would skirt the edge of the curb, sometimes rolling up over it onto the sidewalk putting them dangerously close to the commuters waiting on the other side.
​
If there were any people in the street, especially the old or the infirm, they would either have to get out of the way and lose their place in line or hope the bus driver stopped before completing the turn. Most of the drivers would. Once there was one who didn’t.
​
I remember the television and newspaper account about an elderly woman waiting at one of the stops during the pm rush hour. When the bus made the oblique turn way too fast at 25 miles per hour she was either too close to the edge or standing in the street when she was hit by the side view mirror across the face and the left side of her head.
​
She went down under the wheels and her body got hung up under the chassis. The bus driver too full of passengers to stop, or late for his break, or just too coked up to notice, kept on heading for the Embarcadero before he realized something was wrong. By then, the woman had been dragged over a quarter of a mile. No one knew for sure whether the concussion from the mirror or the relentless dragging was the cause of death. I guess it didn’t matter to her anymore, one way or the other. It mattered to a lot of those who witnessed the whole thing though; screaming and yelling, block after block, trying to get the bus driver to stop.
​
To get across the Bay to San Francisco from Oakland or back, one alternative to the nightmare bus commute was the B.A.R.T (Bay Area Rapid Transit). It was quiet, clean, air-conditioned, and fast. Traveling under the Bay, it could span the 13 miles in minutes. Once I’d reach the train station, by bus, from the Oakland side, I’d descend one of the many street-level entries to the below-ground turnstiles which led to the train platform. Of course, there were always hundreds of derelicts, homeless, hustlers, etc., hanging out by the turnstiles waiting for their chance to slip through and get on any one of the many trains that serviced the Bay Area, but sometimes, especially after a scuffle with B.A.R.T. Security or the San Francisco/Oakland Police, they’d scatter to the winds (or the shadows as it were) until everything calmed down and then they'd be back at it again, day and night.
​
Almost every week I'd hear about someone falling, or being pushed, or jumping down onto the third rail, which would either short-circuit the line and knock out the power or if it was particularly grisly, halt service entirely. Because service resumption could take hours, waiting passengers would have to go back up and out onto the street and catch another train, take a cab or a bus or just walk or, as was often the case for me, run.
​
Once, I remember running to the next stop when I was ascending to the upper peninsula because the previous connection didn’t show up which meant it would have added another 45 minutes to my commute. The choice was obvious and inevitable: I could either
“wait to be late” or go for it. I chose the latter.
​
You just can't imagine what it’s like to run at a 20-degree angle uphill for about 2 miles while wearing dress slacks, dress shoes, a white shirt and tie, and a sports jacket, in San Francisco, during the summer, with the humidity until you’ve tried it. It’s, how should I say: exhilaratingly infuriating.
​
Running, I came upon a stand-alone, transmission shop, right in the middle of a residential area. The owners must have paid a pretty penny to get away with that one. There were police cars, the fire department, a metro ambulance, the San Francisco Chronicle, and a marked County Coroner’s Office vehicle scattered around the shop.
Some people along with some of the employees: their first names embroidered on their shirts, were standing on the sidewalk just outside the property watching. They’d been there for about an hour when I stopped to ask one of them (Bob) what happened.
​
Wearily he said:
​
“The girl who worked in the office answering the phone and typing up orders was shot to death by her boyfriend. The boyfriend got away but she was still down there being processed. God, she was only 24 years old. They’ll catch him, though. He hasn’t got a chance.”
​
'Nope,' I thought.
'In this town, I don’t expect he would.'
​
I was late again when I got home. Vaulting the 5 floors to reach our loft, I held my friend close, the entire night. She was ok with that. So was I.=

I (32/F/135lbs/non-smoke1 year alcohol free) have been experiencing chronic pain since about October of ‘21. Originally I thought it was my shoes, the floors at work, my posture, my bed, maybe a bad knot or a pinched nerve…. But after a few weeks of not being able to walk the day after my bar shift, I knew something was VERY wrong.
My back would be on FIRE. It would start at my lower middle back and spread up and around my ribs. My neck would lock up along with my lower back. I would feel stuck. One time it was so bad I was stuck laying up in bed and physically couldn’t move because the pain and to this day, I am convinced I was paralyzed for about 30 minutes. To add to this, I was dealing with chronic tinnitus, visual snow/spots/lights, confusion, memory loss, and dizziness.
Since then, I’ve had MRIs of my brain, c-spine and lumbar spine as well as several X-rays. The short version of the results were: 4 disc bulges (one with a marrow edema), foraminal stenosis, Disc compression on the spinal cord in C-spine, 2 herniated discs (1 lumbar and 1 c-spine), minor scoliosis, cervical kyphosis, radiculopathy, enlarged ventricles in the brain, retention cyst in maxillary sinus.
I was also told my ANA tested positive for Fibromyalgia.… But I really don’t know for sure. Honesty, I’m not very sure about anything with all of these run arounds.
I’ve been sent to a chiropractor who made my pain 10x worse, a physical therapist that couldn’t help me and stopped seeing me cause of my symptoms getting worse, an ENT who was left stumped, a Rheumatologist who cleared me. I’ve seen a therapist, got a neuro-psych evaluation, a psychiatrist, and have done everything in my power to recover but nothing has helped. So, I turned to an orthopedic surgeon. He told me my only option is a disc replacement in my c-spine but wanted me to see a neurologist first.
The pain has become so bad that I’ve been stuck out of work. I have to keep chasing my primary care doctor for pain management Cause they refuse to prescribe me pain meds. It’s almost been a year and they have yet to send one to this very day. In fact, the last time I called (2 days ago) they said that my doctor is no longer there and the business got sold. GEE! Thanks for the heads up! AMIRIGHT?
So that brings me to the neurologist… This lady is insufferable. She’s the coldest, meanest, least empathetic person I think I’ve ever met. And I whole-heartedly mean that. My first appointment was yesterday. To my surprise, it was as if nobody told her why I was there. She didn’t look at my notes or listen to my concerns. She ordered an EMG for today. So last night I made sure to print out every piece of info I could come up with From my patient files and typed up every detail to make sure I can advocate for myself. I even called all of my specialists to make sure they sent over my files. When I asked my neurologist about this, she said “No. I didn’t check.”
​
She pretty much told me that every diagnosis from my MRIs, other doctors, etc is wrong. She said my cognitive issues are due to orthodontic hypotension which is “very common” thin, young women. In my patient report summary, the very first thing mentioned is my mental health diagnosis. Having anxiety and history of depression. She then goes on to say that I deliberately marched slow and faked my pain. She claims that the only thing wrong with me is a pinched nerve in the S1 region. My issue with all of this even after the EMG is that she didn’t speak to any other doctors who have seen me, didn’t look at my MRIs and didn’t listen to any of my concerns.
She insists that my only treatment option is spine injections where the pinched nerve is….
My orthopedic surgeon, physical therapist and even the chiropractor who hurt my back said that I shouldn’t get spine injections.
​
I feel like I’m living in the twilight zone… Is this just the new norm???? All I want is to be able to have my life back. This is so incredibly frustrating. I just won the battle over my mental health and I’ve been doing great but this is just so demoralizing. Especially when all I really want is to be able to go back to work. Why is that so much to ask

So to start off, I'm a 24y/o male. Never really worried about credit, until I needed it. From May of 2022 through May of 2023 I was a full time college student. From November of 2022 to May of 2023, I was unemployed.
In 2021, I was able to get approved for a secure card through Capital One(551). I've had it for 1 year 11 months and I've made every payment on time. After 4 months I got a second Capital One card to help build faster. (3000 limit 1 year 7 months) Again, never missed a payment. But while I was in college and unemployed, I let my balances get out of hand. I came into May2023 at 548/551 and 2547/3000 so around 87%. I paid off my 548$ balance and am working at the 2547, currently around 2300$. I know credit utilization is a huge deal breaker so this is very high on my priorities, I aim to have my CU at less than 10% before the end of the month.
Now for the ugly, last year (November 2022) I opened an Amazon card through Chase, I set up my autopay like my Capital One cards are and neglected to check it. I had an error in my bank information and payments were never made. They closed my account in March, I got a letter today that said something like "if you don't make a payment by June 30th we will send your debt to collections" this is the last thing I want. I'm hoping for some good advice on my choices here, it's a small debt so I'm not worried about the amount (1500$) but I want to try to spare my credit as much as I can. Would Chase be willing to accept full payment in exchange for deleting my account/missed payments? Is that something they even could do? I'm very new to credit management and just don't want to call Chase up and get myself in a mess. Please, help me!
I've had 2 small personal loans through my bank (I'm an AU on my parents' account that's over 20 years old, this is also where I get my DD) and paid them both off, on time every month. (2018 800$. 2023 1400$)
Really, my endgoal here is to be able to have enough credit to get a larger loan from my bank (roughly 9,000$) towards the end of the year. Even though I have great relations with my bank, I want to make sure I'm in the best financial shape I can be.
Thank you to anyone that takes the time to read this jumbled mess of words, I tried to sort it as best I could. And thank you for any guidance you may have in my journey.
Also: TransUnion- 597 Equifax- 604

Heres a few examples of why ALL jobs are going to become obsolete, for humans,EVENTUALLY,SOME sooner rather than later,but also keep in mind,these technologies are only going to get bettemore efficient/more effective and these things are already possible, so the likeliness of a robot, not being able to do your job and not being able to do your job better than you as well,is really low/its inevitable for robots/AI to render humans obsolete,when it comes to needing humans, to accomplish tasks, not only will colleges only be for fun/hobbies in the future,because of AI and Robots, other technologies will render humans obsolete as well; Here are a few examples of whats been shown/used,so far, Sophia an AI Robot,Artemis Robot,which is a soccefootball playing robot,Boston Dynamics Robots,this company has contracts with Darpa/their robots are aggressive looking,Miso Robotics,this is a company that makes fast food cooking robots,such as Flippy, CookRight and Sippy; Also warehouse technology robots, like Toyota's Autonomous Forklift,Squid,Squid runs on rails,that go from the ground level,upto bays,which allow squid,to pick/pull items out of bays autonomously,Max AI Visual Identification System,is used to identify items and sort them or do certain things with items,it could be used to sort trash/recyclables on a conveyer belt autonomously,Autonomous Mobile Robots AMRs,this robot is used in warehouses,to retrieve/pull items and then take them to other locations,Handle Robot,Handle is a mobile robot that combines the rough-terrain capability of legs, with the efficiency of wheels. It is designed for material-handling applications, and features a manipulator arm capable of picking up heavy boxes,handle uses a swinging "tail" to counterbalance the weight of its arm, when it is holding a heavy box;SuperPick Polybag Picking System is a robotic solution designed by Soft Robotics Inc,the system is intended to enable e-commerce operations to automate the handling, scanning, and loading of outbound orders and returns,Starship Technologies make autonomous delivery robots,which are six-wheeled ground robots that can navigate streets and sidewalks autonomously. They are designed to be safe and robust, offering on-demand package delivery for consumers and businesses. Some have said the robots look like beer coolers,most likely this assessment came from young college kids,since currently that is where the robot/company makes most of their deliveries/this is where most of their business is carried out, on college campuses;Starship Technologies,robots can deliver a variety of items. They are currently available to deliver items on college campuses around the world, where they can deliver food, drinks, office stationery and tools. They are designed to make food and package deliveries more efficient, convenient and sustainable.
,Kiwi,Robo Mart,TeleRetail,Scout Robot,are examples of autonomous mobile robot stores; Construction robots/companies like BAUBOT,OKIBO,Hilti JAIBOT,Dusty Robotics,ULC Robotics,Built Robotics are available now as well; Also medical robots like The da Vinci Surgical Robot,also other companies like Edge Innovations, ABB Ltd,FANUC,Epson,KUKA,Staubli,just to name a few.
These are the different type of welding robots that are available as well:
Resistance Spot Welding Robots
Collaborative Welding Robots
Shielded Metal Arc Welding Robots (SMAW)
Robotic Gas Metal Arc Welding (GMAW/MIG)
Robotic Gas Tungsten Arc Welding (GTAW/TIG)
Robot Laser Welding.
Plasma Welding Robot.
Heres a list of companies that produce welding robots:
EVS
Panasonic
SUMIG Robotics
Kawasaki
Yaskawa Motoman
Fanuc
Comau
A LOT of jobs/workers are becoming obsolete/cashiers,warehouse workers/line workers,construction workers/the self driving field is accomplishing A LOT right now too/Elon Musk,is missing a key component/technology, and thats lidar;Also the U.S. military has had autonomous planes for decades,so pilots are Becoming obsolete as well.
A LOT can be prepped at night for construction workers/machines can be ran at night, also window installing and cleaning bots are a thing now as well.
Also autonomous agricultural bots/robots are a thing now as well.
Drs MAY become obsolete as well/their jobs could/will eventually be taken over by AI/ bots/bots ALREADY do A LOT of surgery, such as Coronary artery bypass ,cutting away cancer tissue from sensitive parts of the body ,such as blood vessels, nerves, or important body organs,Gallbladder removal, Hip Replacement, Hysterectomy,Kidney removal, kidney transplant,Mitral Valve Repair,Pyeloplasty ,surgery to correct ureteropelvic junction obstruction,Pyloroplasty,Radical Prostatectomy,Radical cystectomy,Tubal ligation.
There are several automated equipment/machines/software/robots developed for the radiology field as well,here are SOME examples:
Artificial intelligence (AI), which is a disruptive technology,for every hunan on earth,that is seeking/requiring a job/money,including Radiologist,that will inevitably be replaced in the future,the AI process involves the use of computerized algorithms to dissect complicated data. Among the most promising clinical applications of AI, is diagnostic imaging.
Medical robots handle surgeries, streamline clinical workflow and hospital logistics, and enhance patient care and workplace safety. Medical robots fall into several categories: surgical robots, modular, and autonomous.
Autonomous Mobile Robots (AMRs) use a sophisticated set of sensors, artificial intelligence, machine learning, and computing, for path planning, so the machines/software can interpret and navigate through their environment.
Here are some more machines, software, and robots that have been developed for the Radiology field:

1. Computer-Diagnosis (CD) Software: CD software uses advanced algorithms to analyze medical images, to detect and diagnose abnormalities. It can detect tumors, fractures, and other anomalies.
   
2. Picture Archiving and Communication Systems (PACS): PACS is a comprehensive software system that stores, retrieves, and distributes medical images and reports. It views and interprets images and then distributes those images and findings/diagnosis.
   
3. Automated Image Analysis Software: This software utilizes machine learning and artificial intelligence techniques to automatically analyze medical images, such as CT scans, MRIs, and X-rays. It can detect features or abnormalities and determine a diagnosis and create a treatment plan.
   
4. Robotic Radiosurgery Systems: These robotic systems are used in radiosurgery procedures, such as stereotactic radiosurgery. They combine advanced imaging technology with robotic arms to precisely deliver high-dose radiation to targeted areas, minimizing damage to surrounding healthy tissues.
   
5. Robotic Surgery: While not exclusive to radiology, robotic surgery systems, such as the da Vinci Surgical System, are used in radiology procedures. They replace surgeons and perform procedures with enhanced precision and dexterity,which is more precise/less invasive,compared to the limitation of humans, these systems are often using imaging guidance as well.
   
6. Automated Teleradiology Systems: Teleradiology systems allow the transmission of medical images over a network,so the computeAI/machines can get access to the data these systems need, to interpret images. Automated teleradiology systems can automatically route and prioritize images, ensuring efficiency within these systems and reducing interpretation time for these systems,so they can diagnose,create a plan and execute that plan/surgery/implement precision radiation treatments, in a timely fashion.
   
7. Automated Dose Monitoring Systems: These systems monitor and track the radiation doses received by patients during radiology procedures,which can aid the AI/machines/bots, in the process of optimized imaging protocols and minimize radiation exposure and make sure the automated plan doesn't need optimizing,with machine learning.
   
8. Automated Workflow Management Systems: These systems automate tasks such as scheduling, image acquisition, report generation, and result distribution,for AI analytics. They can enhance efficiency, reduce errors, and improve overall workflow coordination,compared to humans.
   
9. Automated Breast Ultrasound (ABUS) Systems: ABUS systems use automated scanning technology to acquire ultrasound images of the breast. These machines are essential for early detection of breast cancer, particularly in women with dense breast tissue and also so this information can be analysed by the AI,so a plan can be created and executed as fast as possible,for a greater success rate,from any stage.
   
10. Virtual Colonoscopy Systems: These systems utilize computed tomography (CT) imaging and specialized software to generate a virtual 3D model of the colon. This system can detect polyps and tumors, without using more invasive methods/by providing an alternative to traditional colonoscopy.
    

It's worth noting that technological advancements continue to occur rapidly in the field of radiology, and new automated equipment, machines, software, and robots are being developed and refined regularly to improve patient care and outcomes,so obviously the need for human Radiologist are going down at a fast rate,also as you can see even now,Radiology can be automated/humans aren't needed,but in the future,all of this will be even more optimized/even better than it already is.
When it comes to dentistry, a lot of automated equipment, machines, software, and robots have been developed to handle dental procedures and patient care as well. Here are some examples:

1. CD/CM Systems: Computer Design and Computer Manufacturing (CD/CM) systems are used in dentistry to create digital impressions, design dental restorations (such as crowns, bridges, and veneers), and fabricate them using computer-controlled milling or 3D printing.
   
2. Dental Cone Beam Computed Tomography (CBCT) Machines: CBCT machines provide three-dimensional imaging of the oral and maxillofacial region, aiding in the diagnosis and treatment planning of dental conditions. The process is automated, allowing for efficient and accurate imaging.
   
3. Dental Lasers: Dental lasers are used for various procedures, including cavity preparation, gum disease treatment, and soft tissue surgeries. They offer precise and minimally invasive treatment options, with automated settings for optimal outcomes.
   
4. Intraoral Scanners: These devices use optical technology to capture digital impressions of the patient's teeth and oral tissues. They eliminate the need for traditional impression materials, improving patient comfort and enabling more accurate digital restorations.
   
5. Automated Endodontic Systems: Endodontic systems automate root canal treatment. They include features like electronic apex locators, rotary instruments, and obturation devices that enhance precision and efficiency during root canal procedures.
   
6. Robotic Dental Implant Placement: Robotic systems have been developed to perform dental implant placement. They utilize imaging data and robotic arms to precisely position dental implants, improving accuracy and reducing procedure time.
   
7. Digital Radiography Systems: Digital radiography has replaced traditional X-ray film in many dental practices. These systems capture digital images of the teeth and supporting structures, offering immediate results, lower radiation exposure, and automated image enhancement features.
   
8. Dental Practice Management Software: Practice management software streamlines/eliminates the need for administrative personal, in dental offices. They automate appointment scheduling, patient records management, billing, and insurance claim processing, improving efficiency and organization.
   
9. Automated Shade-Matching Devices: These devices use advanced technology, such as spectrophotometry or computer vision, to analyze the color of natural teeth and assist in shade selection for dental restorations. They provide objective and accurate color matching results.
   
10. Automated Tooth Preparation Systems: These systems use robotic technology and artificial intelligence algorithms,for tooth preparation, for various dental restorations. They ensure precise and standardized tooth preparations, reducing the margin for error.
    

These automated equipment, machines, software, and robots improve dental care by enhancing efficiency, accuracy, patient comfort, and treatment outcomes in various dental procedures.
This is happening more and more NOW too, Brick and Mortar is some what going away/ more stores will either close and open up a distribution center or become a distribution center, door dash will handle that, AND AT SOME POINT, Door Dash will be FULLY AUTONOMOUS as well/the vehicles will be self driving and robots will load and unload the vehicles, Door Dash MAY NOT be the ending company/the only company doing this, BUT a company/companies will be doing this.
Probably SOON employees that unload trucks, stock shelves, truck drivers, should go next, because of self driving vehicles and arms, connected to vehicles, which will drop the package out, once the vehicles in position or an autonomous drone or some other type of robot, will make the delivery.
Also think about how much a human can lift, if lucky, you MIGHT get one that can lift 250 pounds, a robot could lift 1000pounds, robots don't need breaks, as often/they can charge up, while another one replaces them, they don't get paid/need money, they don't get sick,they don't have feelings or rights/its a machine, so basically its easier to deal with,also at some point they will be fixing them selves; Or another bot/robot,will fix/maintain/repair and so on,other robots/EVENTUALLY they will be able to fix them selfs or another bot will aid in repairing them/other robots.
Electricians MIGHT be okay, well, MAYBE for a little while, I mean think about it, how hard is it, to see colors/distinguish green/ground,White/Neutral,Red and black/hot/a camera paired with AI or even just IFTTT and a camera,could handle that, also electricians ALREADY consult machines/voltage meters, to diagnose problems/figure things out/ALL of that could be on a machine/bot and be handled MUCH quickemore efficiently/effectively, with a bot.
Auto mechanics MAY be the next to go, especially if bots, could get in tight places easiesync with the whole cahave a diagnostic reader on board, lift an entire engine/the whole car, on its own/vehicles are already assembled by robots/vehicle manufacturing plants use robots for,painting, welding, assembly, and material handling,ALREADY/An average car has about 30,000 parts. Once those parts are manufactured and brought to the final production line, it takes companie's robots about 18 to 35 hours to produce one mass-market vehicle, from welding to full engine assembly to painting, another example of all of this is Tesla/ to meet Tesla's uncompromising production goals, Musk settled on an equally uncompromising production strategy, full automation, no ifs, ands or buts. The goal was to remove every single human operator and only stop when the facility looked like an alien spaceship,according to musk/these are musks words.
This is a semi comprehensive list of obsolete jobs/fields right now,that are obsolete,eventually everyone will be obsolete though,at least in the sense that a robot can do your job better than you can,from a practical stand point;
Machines/robots/Automation/AI could easily ruine/destroy the economy/push society/people/humans to a moneyless society/to socialism or force people to revert back,or become more self reliant/people would need to raise their own farm animals,grow their own plants/make their own clothes/things/trade may be needed more as well,the honest truth is,all of these companies are putting them selfs out of business as well/they probably think that,if they don't release Chat GPT/a GPT/AI competitor,they will fall behind/become obsolete as a company,but at the same time, NO ONE will have any money to buy services/products,so no one can pay for a subscription and ad revenue won't work,because no one will have money to buy products,so theres no point in advertising,also rich people's money/generational wealth only lasts so long,if its not replenished, also honestly every employee/human hired,is a potential profit/those employees will purchase your products,if not yours,someone elses employee will purchase your products,IF your products are in demand,if there not in demand,you have a bigger problem,than people not having money to buy your products,Machines/AI/Robots don't need your products and these machines also have to be purchased by companie owners/it might sound appealing right now,to spend one minimum wagers yearly earnings on a machine,that can replace all of your hired employees, but EVENTUALLY if everyone's replaced and rich people's/generational wealth runs out,you will no longer be able to sell your products,because no one has money to buy them, obviously eventually it will be all jobs,at least until rich people/business owners realize this and decide humans are the better investment,but heres the list for right now, of jobs that will be going away/jobs that are obsolete.
Research and analysis/data analyzing
Warehouse workers
Manufacturing And Production
Marketing And Advertising
Financing and banking
Customer Service Jobs
Proof Reading
Retail
Media And Marketing
Legal Services
Insurance Underwriting
Sales
Quality Control.

New roof put on our mansard style house in January 2020. Within months it started leaking in several places. Metal shingles, kind of a niche market in the roofing industry so hard to find other people that can fix it other than this company. Roof came with a lifetime warranty which inludes all repair costs completely covered. We were told this type of roof is the best money can buy, it will increase the value of the home, it will last at least 150 years, it will glimmer in the sun (what??), etc. We just wanted a reliable roof and this seemed like the best option with it being metal. We figured we'd spend the extra EXTRA money to get a top of the line roof and then never replace it again.
So far the company has had to come out 7 different times to repair major problems. Our roof leaked for 2 and a half years on a weekly to monthly basis, sometimes in the same place, sometimes new places. They also put the gutters on incorrectly causing a leak. They would take weeks before they sent someone out to repair it which was part of the warranty.
I was in contact with someone from the company two months ago and they said they would have someone come out to look at interior damages, which is covered by the warranty. I told them we should get a refund of some sort as well, he said yeah we'll work that out. An answer far from official. He ghosted us and never showed for the appointment.
Today I finally got in contact with someone higher up. He told me to send him an email with an estimate. I told him that a contractor that we consulted also said we would have to get a mold specialist, so I asked if we should get a separate contract for that. He said "man's name" from our company will be able to fix that for you. (Not really comfortable with anyone from their company touching my house ever again.) I told him that the last group of people that came to repair the house said it should be good ... for a while. They said the repairs were only a band-aid, and that they really should just tear the entire roof off and start from scratch. Man on the phone said that's impossible because they use such-and-such material which has a 50 year warranty.
I told him that we did not recieve the services we were told we were paying for - a new roof that wouldn't leak. I said we should get some sort of refund. Water ruined our carpets, furniture, other irreplaceable/sentimental items. It was an enormous hassle having to constantly put pots all over the place to get the drips. It would take weeks of phone calls to get them to finally come do repairs. When they did come, it was completely unannounced, and they would just start working, leaving tools all over the place when I have toddlers wandering around, peeing in the bushes, refusing to explain what they were even doing. One time a guy came with a coworker, they got on the roof, ate lunch, hit something with a hammer and then just left.
Interior damage: walls, ceilings, mold in attic, window frames.
Man on the phone was livid after I mentioned refund. He told me "you are just a money grubbing whore" and that I was "blackmailing him" and that I am "just trying to fill [my] coffers and put money in the bank" and that I don't understand warranties and contracts and that they have done everything possible to fix this situation. He said that I need to realize that "Jesus Christ is the only perfect person to have walked this earth and that there will always be human error that needs to be taken into account and the warranty covers that." He kept INSISTING that the ONLY reason we purchased a roof from their company is because it came with the "best warranty in the business." (If I had known it would leak within months I would have absolutely gone elsewhere d u m b a s s). He was incredibly rude, yelling, talking over me, refusing to explain anything, etc. But being a d i c k probably isn't grounds for legal action. He also said that he was going "above and beyond to help [me], be grateful for that because we could have done nothing, but here I am reaching out to you!"
So, my question I suppose, is if there is any way to take legal action against them for shoddy workmanship, even though we signed a contract that states that if there is any damage that our warranty will cover it. Is there anything like a lemon law for construction/contractors?

Ever since my first real crush in 7th grade, all I can think of is being in a relationship despite it being clear that I’m not ready to be in one. I have a huge fear of being alone, my brain has fully convinced me I cannot do this by myself, I need someone at my corner all the time. Somehow friends cannot fill that hole for me. A boyfriend is the only thing that can keep me somewhat sane(I’m not proud admitting this) I hate being so dependent on someone else for my happiness but I’ve been this way ever since I could remember:( things got really bad for me after I broke up with my long term boyfriend In 2021. I desperately chased validation from any guy I could. Deep down I just wanna be loved and validated. Recently however things just have gotten even worse. I started talking to this guy, he’s very manipulative and is straight up an asshole to me but tries to mask his insults and nasty language as “jokes” he drives me insane but I’m so obsessed with him. He’s all I have. If he stops talking to me I genuinely believe I will die. If he doesn’t want to hang out with me one day I get so overwhelmingly upset I SH but then suddenly feel happy again when he finally picks me up. Everything I do is for him. I’m extremely unhappy all the time and I struggle with depression, I only ever feel okay when we hang out. He consumes my mind. I know I should probably drop this person and I know this obsession I developed is VERY unhealthy but I can’t and it’s killing me slowly. I cry everyday over this and I don’t know what to do. I have a therapist but I haven’t been able to see her for weeks. I have my first appointment with a psychiatrist in a few weeks and I just hope they can help me because I’m tired of feeling insane.

Hi, maybe some will remember me from the last post about a week or so ago. I totally forgot to update everyone!
We took the little doggy we found by the gas station to the vet about two days after having him. We posted him to Pawboost, and Nextdoor, and we actually got replies on Nextdoor from people who lived in the area. About four people said that the little guy has been roaming alone for months in the surrounding neighborhood.
Anyways, the vet checked for a chip, ( no chip to be found. ) Little guy also got a round of shots, flea meds, and other preventative medications. The vet estimates he’s between 2 and 3 years old.
As for his limping, we went to another vet that specializes in injuries, we got the little guy x-rayed and no bones are broken!! :) Now we’re looking into ways to get him using that back leg fully. We’ve been playing some chase, fetch, teaching him tricks, and going on lots of walks!
We got him chipped! And we have an appointment next Thursday for him to get fixed!
Oh, and his name is Chongo! Welcome to the fam! Sorry the update took so long, we’ve just been enjoying our little dog!

* Current credit cards you are the primary account holder of: BofA Customized Cash Rewards (May 2016, 3% online shopping); Amex Platinum (Nov 2022); Amex Gold (Dec 2022); BofA Alaska (Apr 2023, Cable/Transit/Streaming); Amex Bonvoy Biz (Apr 2023, Gas/Phone/Else) * Oldest credit card account age with you as primary name on the account: 7 years * Number of personal credit cards approved for in the past 6 months: 3 * Number of personal credit cards approved for in the past 12 months: 4 * Number of personal credit cards approved for in the past 24 months: 4 * Annual income $: 60000 net CATEGORIES * OK with category-specific cards?: Yes. Already do. I'm missing convenience stores, cafes that are not categorized as restaurants, insurance, rental cars, and general shopping. If i close my biz card I'll need hotel and phone. * OK with rotating category cards?: No. * Estimate average monthly spend in the categories below. Only include what you can pay by credit card. * Dining $: 1000 * Groceries $: 200 Walmart/Vons/Trader joes * Gas $: 180 * Travel $: 167-500 (domestic is socal/DC flight/rideshare, international is East/SE Asia and Central America flight/hotel/rideshare) * Do you plan on using this card abroad for a significant length of time?: No. * Phone $: 235 * Streaming $: 102 * Cat $: 145 * Any other significant, regular credit card spend you didn't include above?: $200 medical preexisting payment plan * Can you pay rent by credit card? Yes, but prefer not to. 2.5% fee MEMBERSHIPS & SUBSCRIPTIONS * Currently paying $19.99/month for Disney Bundle (Disney+ / Hulu / EPSN+) * Current member of Chase, US Bank or any other big bank?: BofA * Are you open to Business Cards?: Yes. I'm opening to closing my Amex Marriott biz to use a different biz card. PURPOSE * What's the purpose of your next card?: travel rewards, getting points on missing categories. * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? Alaska/Korean/ANA but i haven't traveled many airlines; Hyatt/Marriott * Do you have any cards you've been looking at? Yes. CSP (Reason: 4/24 status and extra Visa alternative), WoH (Reason: I'm on the fence if i want to be loyal to Marriott or Hyatt), BBP (Reason: Amex Trifecta general spending), Aeroplan (Reason: expecting to travel to Canada a lot in 2024) If churning had levels, I'd be somewhere near the bottom. I like the idea, but am happy to have dedicated cards for spending over 10+ cards with many closures. I also think i started off wrong by not chasing Chase cards first, kk.

This alone makes me wish I was born into a different family. I’m so stressed out by this. It’s a long post, I apologize but it gets crazy at the end, trust me. You’ll hate my mom so much when you’re done reading this post.
I have asked my mom a year ago to help me get my permit. I needed a ride to the dmv but my mom kept making up excuses to why she couldn’t take me to the dmv that day. Or the other day. Or the next day. She always gave me an excuse each time I asked so I stopped asking her. I went to my dad about it. I realized my parents weren’t ecstatic that I wanted to get my license and learn how to drive. They weren’t really doing anything either. . They were acting like such pains in the ass for me to get this damn license. I kept telling my dad that she isn’t giving me a ride to the dmv. My dad didn’t really do anything. Why??? Why was he like this?? He didn’t even try. My dad has no care but I figured he’d help me out cuz my mom is the only one who has a car.
Shes abusing this situation. Idk how to explain but I hope some of you understand what she’s doing and the power she has. She is the only one who has a car and she isn’t letting me in it at all. I was just stuck at home all day. If I needed to go to the bank or an appointment, my mom would obviously be the one to give me the ride and recently she has just checked out. She only gives rides to her boyfriend which is so fucking stupid.
She didn’t even try to help me like sign me up for lessons since she didn’t want to teach me. I was going to my dad over and over about my mom not budging. He just kept telling me to go to her and ask her again. I told him she kept saying no each time! I shouldn’t have to ask my mom 50 times to just fucking take me to the damn DMV. It’s right across town!!!!
I got a family member to help me out and give me the rides. When I was getting my permit, my mom was on my ass telling me to hurry up to get my permit because she lost her license. Oh wow. Boo fucking hoo. She only cares when she’s in need. But the whole time when I WAS in need she didn’t care. She needed someone to drive her around! She got so mad at me because I WAS TAKING TOO LONG to get my permit. Are you serious? She thinks she has the audacity to rush me.
After I got my permit, it was time to learn how to drive. My mom texted me and congratulated me for getting my permit. Are you fucking kidding me? The whole time when I’m here trying to get my license she’s going to Ross, big malls in town and goes shopping with her boyfriend. She said she was proud of me which is such BS. She couldn’t even spend an hour of the day to take me to the DMV. She couldn’t even spend an hour of her day to take me to the DMV. I also don’t like that my family member told my mom about the news because the entire time my mom has just been sabotaging me getting my license.
After I got my permit she forced me to drive her places. I didn’t even know how to drive yet! I didn’t even know the controls of the car yet! But my mom didn’t care. She supposedly was gonna teach me while I’m driving her to her destination…which I didn’t think was the best idea. She wanted me to take highways on day one!!! I needed to learn how to operate the car!!! I didn’t even know how to drive and she was telling me to drive to Lowe’s in park in the parking lot full of people when it was my first time!!! And get this!!! SHE had the AUDCAITY to get mad AT ME!! for my bad parking!!! I’ve never parked!! She didn’t even give me any tips. She was constantly rolling her eyes, telling me I’m stupid. She was the worst at giving motivational encouragement. I still don’t have my license.
Later down the line, I asked her why didn’t teach me how to drive? A.k.a. be a normal fucking parent when their kid is getting to learn how to drive a car for the first time! She told me it’s not her concern. Why??

F&F Paypal/Venmo/Amazon GC
Only redeem what you paid for. Codes are split unless you ask for full codes. Points have most likely already been used.
🔆 PRICES FIRM 🔅
Foxredeem code Lets you pick between Night at the Museum or Night at the Museum Battle of the Smithsonian HD MA $2.50
1 Direction This is Us SD MA $1
13 Hours HD Vudu $2
21 Jump Street SD MA $1.50
A Quiet Place HD Vudu $2
Action Point HD Itunes $2
Admission HD Itunes $2
After Earth SD MA $1.50
Alex Cross HD Vudu $2
Alex Cross SD Itunes $1.50
Alex Cross 4K Itunes $2
All the Money in the World SD MA $1.50
Alpha SD MA $1.75
American Ultra SD Vudu $1.50
Anchorman 2 HD Itunes $2
Annie (2014) SD MA $1.50
Avengers Age of Ultron HD GP $2
Avengers Endgame HD GP $2
Avengers Infinty War HD GP $2
Bad Moms HD Itunes $2
Barbie & Her Sisters in a Puppy Chase HD MA $2
Barbie & Her Sisters in a Puppy Chase HD Itunes $2
Battleship HD MA $2
Beauty and the Beast (Live Action) HD MA $2.50
Beauty and the Beast (Live Action) HD GP $2
Beirut HD MA $2
Black Panther HD GP $2
Blood Father SD Vudu $1.50
Boyhood HD Vudu $2
Boyhood HD Itunes $2
Brian Banks HD MA $2
Captain Marvel HD GP $2
Captain Phillips SD MA $1.50
Concussion SD MA $1.50
Criminal SD Vudu $1.50
Cruella HD GP $2
Daddys Home HD Vudu $2
Daddys Home 4K Itunes $2.50
Danny Collins HD Itunes $2
Death Race 3 Inferno Unrated HD Itunes $2
Despicable Me 2 HD MA $2
Despicable Me 2 4K Itunes $2.50
Dirty Grandpa SD Vudu $1.50
Divergent HD Vudu $2
Django Unchained HD Vudu $2
Don't Breathe SD MA $1.50
Downton Abbey (2019) HD MA $2
Draft Day SD Vudu $1.50
Dredd SD Itunes $1.50
Dying of the Light HD Vudu $2
Ender's Games HD Vudu $2
Escape Plan HD Vudu $2
Farenheit 451 HD GP $1.50
Farenheit 451 HD itunes $1.50
Fast and Furious 6 Extended Edition HD MA $2
Fifty Shades of Grey Unrated HD MA $2
Fifty Shades of Grey Unrated 4K Itunes $2.50
Finding Dory HD GP $2
Finding Dory 4K Itunes $2.50
Florence Foster Jenkins HD Vudu $2
Florence Foster Jenkins HD Itunes $2
Footloose (Newer) SD Vudu $1.50
Frozen HD GP $2
Frozen Sing Along HD MA $2
Frozen Sing Along HD GP $2
Furious 7 Extended Edition HD MA $2
Gemini Man HD Vudu $2
Get a Job SD Vudu $1.50
Ghost Team One HD Itunes $2
G.I. Joe The Rise of Cobra SD Itunes $1.50
Glee the Concert SD Itunes $1.50
Gods not Dead A Light in Darkness HD MA $2
Gods Of Egypt SD Vudu $1.50
Good Kill HD Vudu $2
Good Kill HD Itunes $2
Grace Stirs Up Success HD Itunes $2
Grown Ups 2 SD MA $1.50
Hell or High Water SD Vudu $1.50
Here Comes the Boom SD MA $1.50
Hidden Figures 4K Itunes (MA redeemable but HD) $2
Hillsong Let Hope Rise HD MA $2
Hillsong Let Hope Rise HD Itunes $2
Home Again HD MA $2
Hope Springs SD MA $1.50
Hotel Mumbai HD MA $2
Hours SD Vudu $1.50
How to Train Your Dragon 2 HD $2
I Feel Pretty HD Itunes $1.50
I am Wrath SD Vudu $1.50
Independence Day Resurgence 4K Itunes (MA redeemable but HD) $2.50
Inside Out 4K Itunes $2.50
Inside Out HD GP $2
Interstellar HD Vudu $2
Iron Man 3 4k Itunes $2.50
Iron Man 3 HD GP $2
Jack Ryan: Shadow Recruit HD Vudu $1.50
Jack Ryan Shadow Recruit 4K Itunes $1.75
John Wick SD Vudu $1.50
John Wick HD Vudu $2
Juno SD Itunes $1.50
Jurassic World HD MA $2
Kevin Hart Let me Explain HD Vudu $2
Kidnap HD MA $2
Kidnap HD Itunes $2
Killer Elite HD Itunes $2
Laughing Out Loud: 6 Movie Collection SD $9
Lee Daniels The Butler HD Vudu $2
Lone Survivior HD MA $2
Lone Survivior 4K Itunes $2
Maggie HD Vudu $2
Maleficent 4K Itunes $2.50
Maleficent HD GP $2
Mamma Mia! The Movie Itunes $2
Mary Poppins (1964) HD MA $2.50
Mechanic Ressurection SD Vudu $2
Megan Leavey HD MA $2
Megan Leavey HD Itunes $2
Men in Black 3 SD MA $2
Mission Impossible Fallout HD Vudu $2
Mission Impossible Ghost Protocol SD Vudu $1.50
Mirror Mirror SD Itunes $1.50
Monsters University HD GP $2
Mortal Instruments City of Bones SD MA $1.50
Mud HD Vudu $2
My Life as a Zucchini HD Itunes $2
Nerve SD Vudu $2
Night at the Museum Secret of The Tomb 4K Itunes (MA redeemable but HD) $2.50
Noah HD Itunes $2
Norm of the North HD Vudu $2
Now You See Me HD Vudu $2
Now You See Me 2 SD Vudu $1.50
Only the Brave SD MA $1.50
Open Season Scared Silly SD MA $1.50
Overdrive HD Itunes $2
Oz the Great and Powerful HD MA $2.50
Oz the Great and Powerful HD GP $2
Paranormal Activity 2 HD Unrated Vudu $1.50
Paranormal Activity 3 SD Vudu $1.50
Paranormal Activity 3 HD Vudu $1.75
Paranormal Activity 3 HD Itunes $1.50
Paranormal Activity 4 HD Itunes $1.75
Parental Guidance HD MA $2
Parental Guidance SD Itunes $1.50
Parker SD MA $1.50
Paul Blart Mall Cop 2 SD MA $1.50
Peter Rabbit SD MA $1.50
Percy Jackson Sea of Monsters SD Itunes $1.50
Pitch Perfect 4K Itunes $2.50
Pitch Perfect 2 HD MA $2
Pitch Perfect 2 4K Itunes $2.50
Ralph Breaks The Internet HD GP $2
Rango HD Vudu $2
Red 2 HD Vudu $2
Red 2 HD Itunes $2
Redemption HD Vudu $2
Resident Evil Retribution SD MA $1.50
Rio SD Itunes $1.50
Risen SD MA $1.50
Robin Hood (Animated) HD MA $2.50
Robin Hood (Animated) HD GP $2
Rocky HD Vudu $2.50
Roman J Israel esq SD MA $1.50
Safe SD Itunes $1.50
Samson HD MA $2
Scary Stories to Tell in the Dark 4K Itunes or HD Vudu $2.50
Second Act HD Itunes $2
Selma HD Vudu $2
Selma HD Itunes $2
Show Dogs HD MA $2
Sinister SD Itunes $1.50
Skiptrace SD Vudu $2
Skyfall HD Vudu $2
Skyfall SD Itunes $1.50
Skyscraper HD MA $2
Snatched 4K Itunes (MA redeemable but HD) $2
Snitch HD Vudu $2
Snitch SD Itunes $1.50
Snow White & the Huntsman HD Itunes $2
Spider-Man Homecoming HD MA $2
Star Trek SD Vudu $1.50
Star Trek Beyond HD Vudu $2
Star Trek Beyond 4K Itunes $2
Star Trek Into Darkness SD Vudu $1.50
Star Trek Into Darkness HD Vudu $2
Star Trek Into Darkness HD Itunes $2
Star Wars Rogue One HD GP $2
Star Wars The Force Awakens 4K Itunes $2.50
Star Wars The Force Awakens HD GP $2
Star Wars The Last Jedi HD GP $2
Star Wars The Rise of Skywalker 4K Itunes $2.50
Star Wars The Rise of Skywalker HD GP $2
Surfs Up 2 SD MA $1.50
Taken 2 HD MA $2
Taken 2 SD Itunes $1.50
Teenage Mutant Ninja Turtles (New) HD Vudu $2
Teenage Mutant Ninja Turtles (New) 4K Itunes $2
Texas Chainsaw SD Vudu $1.50
Texas Chainsaw SD Itunes $1.50
The Age of Adaline HD Vudu $2
The Amazing Spider-Man 1 SD $1.50
The Amazing Spider-Man 2 SD MA $1.50
The Art of Self-Defense HD MA $2
The Artist SD MA $1.50
The Big Wedding HD Vudu $2
The Big Wedding SD Itunes $1.50
The Boss Baby HD MA $2
The Boy HD Itunes $2
The Cabin in the Woods HD Vudu $2
The Cabin in the Woods SD Itunes $1.50
The Cabin in the Woods 4K Itunes $2.50
The Case for Christ HD MA $2
The Case for Christ HD Itunes $2
The Choice HD Vudu $2
The Day the Earth Stood Still SD Itunes $1.50
The Descendants SD Itunes $1.50
The Dictator HD Itunes $2
The Divergent Series: Allegiant SD Vudu $2
The Equalizer SD MA $1.50
The Expendables 2 HD Vudu $1.75
The Expendables 2 SD Itunes $1.50
The Expendables 3 HD Vudu $1.75
The Expendables 3 4K Vudu $2
The Fate of the Furious Theatrical Ed. HD MA $2
The Fate of the Furious Theatrical Ed. 4K Itunes $2
The Fate of the Furious Extended Directors Cut HD MA $2
The Forger (2014) HD Vudu $2
The Frozen Ground HD Vudu $2
The Good Dinosaur HD GP $2
The Guilt Trip HD Itunes $2
The Hero of Color City SD Vudu $1.50
The Host HD Itunes $2
The Hunger Games HD Vudu $1.25
The Hunger Games SD Itunes $1
The Hunger Games Catching Fire HD Vudu $1.75
The Hunger Games Catching Fire 4K Itunes $2
The Hunger Games Mockingjay Pt. 1 HD Vudu $1.75
The Hunger Games Mockingjay pt. 2 HD Vudu $1.75
The Hunger Games Mockingjay pt. 2 4K Itunes $2
The Last Exorcism Part 2 Unrated SD MA $1.50
The Last Stand SD Itunes $1.50
The Last Witch Hunter SD Vudu $1.50
The Legend of Hercules HD Vudu $2
The Legend of Hercules 4K Itunes $2.50
The Longest Ride 4K Itunes (MA redeemable but HD) $1.50
The Lords of Salem HD Vudu $2.50
The Nut Job 2 HD MA $2
The Nut Job 2 HD Itunes $2
The Perfect Guy SD MA $1.50
The Perks of Being a Wallflower HD Vudu $2
The Perks of Being a Wallflower SD Itunes $1.50
The Possession HD Vudu $2
The Possession SD Itunes $1.50
The Protector 2 SD Vudu $1.50
The Purge HD MA $2
The Purge Election Year HD MA $2
The Raid 2 SD MA $2
The Secret Life of Pets HD MA $2
The Secret Life of Pets 4K Itunes $2.50
The Shallows SD MA $1.50
The Spectacular Now SD Vudu $1.50
The Twlight Breaking Dawn Pt. 1 Extended Edition HD Vudu $1.75
The Twlight Breaking Dawn Pt. 1 Extended Edition SD Itunes $1.50
The Twlight Breaking Dawn Pt 1. Extended Edition Itunes $2
The Twlight Breaking Dawn Pt. 2 HD Vudu $1.75
The Twlight Breaking Dawn Pt. 2 SD Itunes $1.50
The Twlight Breaking Dawn pt. 2 4K Itunes $2
The Warlords SD Vudu $1.50
The Wolf on Wall Street HD Vudu or Itunes $2
Thor Ragnarok 4K Itunes $2.50
Thor Ragnarok HD GP $2
Think Like a Man SD MA $1.75
Transformers Age of Extinction HD Vudu $2
Transformers Dark of the Moon HD Vudu $2
Transformers The Last Knight HD Vudu $2
Trolls HD MA $2
Tyler Perry's A Madea Christmas HD Vudu $2
Tyler Perry's Madeas Witness Protection HD Vudu $2
Tyler Perry's Madeas Witness Protection SD Itunes $1.50
Unstoppable SD Itunes $1.50
Venom SD MA $1.50
Vice HD Vudu $2
Walking with Dinosaurs The Movie SD Itunes $1.50
Warcraft 4K Itunes $2
War of the Planet of the Apes 4K Itunes (MA redeemable but HD) $2
Warm Bodies SD Itunes $1.50
War Room SD MA $1.50
What to Expect When You're Expecting HD Vudu $2
What to Expect When You're Expecting SD Itunes $1.50
When the Bough Breaks SD MA $1.50
When the Game Stands Still SD MA $1.50
White House Down SD MA $1.50
Why Him? 4K Itunes (MA redeemable but HD) $2
Wild Card HD Vudu $2
Wonder Park HD Itunes $2
World War Z HD Vudu $2
World War Z HD Itunes $2
Underworld Blood Wars SD MA $1.50
Underworld Awakening SD MA $1.50
X-Men Origins Wolverine SD Itunes $1.50

Saw another user mention that the initial pre-authorization charge was dropped, then afterwards when Adidas tried to re-charge his card, his bank (Chase) ended up denying the charge.
I was wondering what other Banks follow a similar security process? I assume some orders getting cancelled here lately may potentially be related to this same issue?

Hey all! Looking for suggestions on the following questions:

• 1. Which card should I go for next? What will I likely get approval for?
  • Eying the Citi Premier, Cap1 Venture X, USBank Altitude Reserve
  • About to go on vacation and expect some high spend
  • On 11/24 but 1/12 (was trying to build a strong base with no AF cards)
  • I can't get Chase personal or business card (long story) so 5/24 is not a worry
• 2. Should I close some of my cards?
  • I have a few cards I don't care about like
    • Chime Credit Builder
    • US Bank Altitude Go
    • Gemini Credit Card

​
Credit Profile:

• Current cards

Card	Credit Limit	Opened	Age
Citi Costco	$15,500	2/25/2004	19.3
Discover IT	$3,800	2/11/2018	5.3
Apple Card	$7,000	8/29/2021	1.8
US Bank Altitude Go	$1,000	9/13/2021	1.7
Chime Credit Builder		10/6/2021	1.7
Cred.ai	$1,500	10/12/2021	1.6
Venmo	$6,000	12/12/2021	1.4
Amex Hilton	$15,500	2/18/2022	1.3
Amex Gold		3/14/2022	1.2
Bilt	$10,000	4/13/2022	1.1
X1	$19,500	4/21/2022	1.1
PayPal	$7,000	5/31/2022	1.0
Gemini	$3,500	9/6/2022	0.8

• FICO Score:
  • 773 (Experian)
  • 768 (Equifax)
  • 785 (TransUnion VantageScore 3.0)
• Oldest account age:
  • 19 years 3 months (Authorize user)
    • Average 2 years 2 months
  • 5 years 3 months (Not counting authorize user)
    • Average 1 year 8 months
• Recent Accounts:
  • 1/12
  • 11/24
• Inquiries
  • 10 (Experian)
  • 4 (Equifax)
  • 7 (Transunion)
• Income:
  • $180,000
• Average monthly spend and categories (Note: I ranked the spending given it varies greatly for me. I am sure I can hit any non-business card spend)
  • 1. Dining/Grocery
  • 2. Online shopping
• Open to Business Cards:
  • Yes
• What's the purpose of your next card?
  • Travel
• Do you have any cards you've been looking at?
  • Citi Premier
  • Cap1 Venture X
    • Got preapproval for all but the Venture cards
  • US Bank Altitude Reserve
  • Amex Platinum
    • In pop-up jail
• Are you OK with category spending or do you want a general spending card?
  • Yes

Had the qs1 for like 4 years(the AF one, yes I know I should've get ridden it earlier). I have a few cards in mind like the savor1, bilt, and the BCE.
Current cards: (list cards, limits, opening date) ◦ Venture (30k CL, opened 10/22) ◦ Amex gold (opened (3/23) ◦ Local bank credit card (3k CL, opened in 2017) FICO Score: 760-780 • Oldest account age: 6 years • Chase 5/24 status: 2/24 Income: e.g. $90,000 Average monthly spend and categories: ◦ dining $600 groceries: $600 ◦ gas: $100 ◦ travel: $120 • Open to Business Cards: e.g. No What's the purpose of your next card? Travel - saving/hoarding points to 1 day pay a transcontinental trip in business class to asia. Do you have any cards you've been looking at?savor1, bilt, and the BCE Are you OK with category spending or do you want a general spending card? No preference.
I rarely travel too so I wouldnt be able to justify the more premium travel cards. That being said, I plan to upgrade to VX and go on a $300 mini vacation every year. If you have any other cards suggestions. That would be great. Thanks.