Guidance Needed

2021.12.04 19:19 dagotexan Guidance Needed

I wish I had found this oasis of knowledge prior to me making decisions that may have been better made with the advice of those more knowledgeable in this area. I shall begin by saying in March of this year I decided to try to repair the self inflicted damage I caused myself due to carelessness, disregard and mainly ignorance of the importance of credit and how it impacts every aspect of our lives. So three years ago I decided to open a secured account with Capital One, in 6 months I was cruising along responsibly maintaining good standing and they offered me an unsecured card to go along with my first card, then shortly thereafter was offered 2 other card from creditors w high rates that cater to those w little or bad credit. One thing led to another, and in no time had maxxed out all 4 cards while also getting laid off. I have matured greatly in these 3 years since, and wanted to fix the damage, and focus on getting my credit file in order. So in March with my 3 scores in the low 500s I acquired a secured card from First Progress w a 2000 limit, then I got another secured card with a 1000 limit to be able to maintain a low utilization rate, but I was unaware that even though I was keeping my utilization under 10% on my open accounts, the 4 derogatory accounts were also being calculated so that even though I was paying down my balance every month, I was treading water getting nowhere, so one by one I paid every derogatory account down to a zero balance with the last one today. MY QUESTION IS DID I HELP Anything by settling the accounts to a zero balance, since they are still going to be on my report for the next 5 years regardless. I feel so foolish after feeling so proud that I had honored my debts. ANY THOUGHTS ON THE MATTER, THANKS
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2021.12.04 19:19 King_Buliwyf Quick question: Offering To The Oracle

When you do a quest to get an Offering as a reward, do you actually get anything for turning it in? Do you have to wait for a strong curse week?
I'm obviously talking about what it PRESENTLY gets you, not when Forsaken first came out.
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2021.12.04 19:19 hyojinshighnote these photos look like theyre taken by dispatch 😭 (people in photos: mk and j-us from onf)

these photos look like theyre taken by dispatch 😭 (people in photos: mk and j-us from onf) submitted by hyojinshighnote to kpoppers [link] [comments]


2021.12.04 19:19 alienbanter Had to disturb Atari's brumation for a move yesterday! She was not pleased. She hasn't eaten in a couple of months and still managed to GAIN weight - she's now over 300 grams!

Had to disturb Atari's brumation for a move yesterday! She was not pleased. She hasn't eaten in a couple of months and still managed to GAIN weight - she's now over 300 grams! submitted by alienbanter to pacmanfrog [link] [comments]


2021.12.04 19:19 MulhollandMaster121 What weapon are you most excited for?

I'm personally really excited to use the Lance. It seems like the ultimate chad weapon to counter enemies with moderate armor. What do you think?
View Poll
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2021.12.04 19:19 TechnoGamerOff (do it)

(do it) submitted by TechnoGamerOff to whenthe [link] [comments]


2021.12.04 19:19 LOaDiNgErroR606 H: AASSS MMG, b2515 flamer, b2525 hm, ae25 fixer, gour2590 fixer, tse90 fixer, exe50c15fr HM, aa50c250 fixer, and more adds W: Legacy offers (no doubles)

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2021.12.04 19:19 alisanat Check

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2021.12.04 19:19 ghostgirlsheart How does energy pulling work?

Hey, I’m very new to Spirituality but I think it’s super interesting! I’ve been listening to meditations at bedtime with affirmations to help my negative thoughts and some time ago I discovered those TikToks where people pull the negative (or any other) energies away from you, they ask for consent or tell you to scroll away if you don’t want that, but they do an actual pulling motion usually and I can feel it physically, however only from certain people, so like same type of video but I don’t always feel it, but my actual question is: How does that work? Why can I feel the energy physically leaving me? And why does it only work with certain people?
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2021.12.04 19:19 Raphael830310 Oblivion Modded Playthrough 93 - Hero of the Arena

Oblivion Modded Playthrough 93 - Hero of the Arena submitted by Raphael830310 to PromoteGamingVideos [link] [comments]


2021.12.04 19:19 Corehamska Sacrifice synergy?

Hey all, was playing with an athreos Orzhov aristocrat deck and came across fleshtaker from the recent set. In any case it caught my eye cuz it basically added value for a sacrifice trigger by letting you scry 1 and gain a life per sac of another creature kinda like that one eldrazi abomination (draw a card when you sac a creature). Was wondering if there are other recommended cards like that. Maybe something like Teysa Karlov that doubles the effects of a sacrifice ability or something? Idk. Looking forward to responses though. Thanks!
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2021.12.04 19:19 U4ictheory Just in case anyone needs to know… 54 poinsettias fit in the back of a 4th Gen CRV

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2021.12.04 19:19 uhavinalaugh Luminile Bucureștiului

Luminile Bucureștiului submitted by uhavinalaugh to Romania [link] [comments]


2021.12.04 19:19 Cjmpanthers8398 Deathly afraid of breaking up with gf

Deathly Afraid of Breaking Up with GF
Hey guys, first time posting here. Need some advice.
I’ve been with my gf for a bit over 5 years now, and for the last year or so, I’m pretty sure she has fallen out of love with me, and as a result of those feelings, I’m feeling out of love as well. I have a constant feeling that I missed out on dating young because we’ve been together since high school.
I feel like she feels similarly, but will never admit it, but I could be wrong. She’s studying to be a pharmacist and is going on her final year, which means she could have a residency in another state, and I think she fully expects me to go with her wherever she is accepted.
A part of me hates being around my family, but another part of me is terrified of leaving the area. I really don’t know how to feel. I feel almost trapped but I don’t know how to explain my situation well to people.
Advice please. Thx.
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2021.12.04 19:19 Darksoulsrando92 Got monster hunter pro controller For switch, discovered this game has barely any rumble.

I’m finding it ironic that they released a monster hunter themed pro controller for a game which only rumbles on a few attacks per weapon. I got one since have been wanting one for a while and was playing Rise with 3rd party switch controller. I thought rumble was disabled when I tested it out on my beefy hammer, turns out only a very few moves trigger anything. Bit let down, but I’m guessing I’m only in minority since I looked up this “issue” and people only complained around the demo which had no rumble, apparently the 3 rumble combo finishers per weapon was satisfactory for most. Just seems weird to release a pro controller (which are more expensive and only unique on HD rumble) for a game they barely utiliZed it.
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2021.12.04 19:19 damboiwhip Guys what if Kanye does release the playlist with the unreleased tracks on april fools and all the songs have different titles but all of them play Nah Nah Nah?

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2021.12.04 19:19 demodestroier I am the spy

I am the spy submitted by demodestroier to mallninjashit [link] [comments]


2021.12.04 19:19 AvengefulGamer I just want infection.

With the amount of controversy and work going in to just bring us a slayer or swat mode I cant help but feel scared for what the future holds for infection. Infection has been my main go to mode since Reach. I could spend countless hours replaying the mode. Its a mode unlike anything else in any other game with all of halos detail. I cant put into words how big of a let down it is that it wont be in the "launch" of the game. Who knows how long it will be before its even added. I dont have months worth of content worth playing in Halo Infinite as it currently stands and I just really wish there was. I want to be a part of this games community and watch it grow but its so hard to be apart of that when there is not a lot there to enjoy. I appreciate the work being done to try and make changes but I just have to voice my concerns with specifically Infection not being in the game.
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2021.12.04 19:19 seacobs Gunma, Japan

Gunma, Japan submitted by seacobs to snow [link] [comments]


2021.12.04 19:19 casacass What does this metal stamp mean?

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2021.12.04 19:19 iMeatatarian Last stop of 3k+ mile road trip - Lake Tahoe

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2021.12.04 19:19 LxnxrV What do you guys think about these ideas? 👀

What do you guys think about these ideas? 👀 submitted by LxnxrV to RetroBowl [link] [comments]


2021.12.04 19:19 Lukki7ster Do i need to do somethin with this root?

Do i need to do somethin with this root? submitted by Lukki7ster to pothos [link] [comments]


2021.12.04 19:19 Faith_SC blurry picture of cats

blurry picture of cats submitted by Faith_SC to blurrypicturesofcats [link] [comments]


2021.12.04 19:19 kxc019 Transfer data from broken Pixel 3a

I have a 3a that I dropped and broke the screen. When connecting to my new phone to transfer all data, I have to put in my PIN to unlock my old phone, buy the screen is broken. What is the best way to get everything transfered to my new phone or computer?
I've seen that I can buy a multiport adapter and try to connect it to a TV or monitor to unlock it. Is that possible? Or is there something else I can do to avoid having to buy an adapter?
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