Pretty sure that depends on the company. The credit union I worked for for 17 years never did that with payments. You can't pay a credit card ahead for the next month but your funds were available to use pretty much right away.JMarkJohns wrote: Tue Mar 11, 2025 5:44 pm Hopefully it’s returned, but yeah, it sucks to have a hold on real money.
Apparently you can’t make double payment on credit cards. It’s some sort of anti-money laundering thing. Your monthly payment will be applied and credited to account. A second payment will take your funds and not credit the amount to your account until the next month. I once paid off a card lol a week after I paid the minimum, and lost the several grand for the payment but it didn’t open up the space for the trip I was prepping for.
Venting Thread
Moderators: UAdevil, JMarkJohns
- scumdevils86
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Re: Venting Thread
- JMarkJohns
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Re: Venting Thread
I just know the card I used, a travel card, didn’t have the space to do what I was looking for, and I simultaneously did it with Amazon and couldn’t pay for a new Pool motor when needed because of it. Both happened same time.
It makes sense after the fact, because some cards can be leveraged for cash out, so the laundering aspect is true.
But yeah, when a Pool pump goes out a week after the payment was made, or when concert tickets go live and you need like $1000 bucks since tickets are mad expensive yo… it was infuriating. Tried to leverage reward points for the bigger purchases instead of cash.
It makes sense after the fact, because some cards can be leveraged for cash out, so the laundering aspect is true.
But yeah, when a Pool pump goes out a week after the payment was made, or when concert tickets go live and you need like $1000 bucks since tickets are mad expensive yo… it was infuriating. Tried to leverage reward points for the bigger purchases instead of cash.
- dovecanyoncat
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Re: Venting Thread
My apologies for being a Luddite here, but I beg some explanation. 1) I have always refused debit cards because why? BOA always presses me to get them as a means of ID, HAR! and I always say FU. 2) I always make single full payments per month to credit cards. Are y'all saying some banks/cc issuers will allow only one payment per month to apply to a balance? I ask because I have often made payments in advance in order to establish a credit in advance of 2 month overseas travel. But as best I can recall, it never entailed making 2 payments within a month or within a monthly payment period. Is this how they skew the application of second payments to another time period such that they can optimize fees? Fuckers! I have a premium account with BOA and those cunts generally bend over for me when I bring threats and drama to our relationship, but evidently I never understood the parameters being discussed here.scumdevils86 wrote: Tue Mar 11, 2025 6:05 pmPretty sure that depends on the company. The credit union I worked for for 17 years never did that with payments. You can't pay a credit card ahead for the next month but your funds were available to use pretty much right away.JMarkJohns wrote: Tue Mar 11, 2025 5:44 pm Hopefully it’s returned, but yeah, it sucks to have a hold on real money.
Apparently you can’t make double payment on credit cards. It’s some sort of anti-money laundering thing. Your monthly payment will be applied and credited to account. A second payment will take your funds and not credit the amount to your account until the next month. I once paid off a card lol a week after I paid the minimum, and lost the several grand for the payment but it didn’t open up the space for the trip I was prepping for.
Have I got this right?
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
- Merkin
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Re: Venting Thread
scumdevils86 wrote: Tue Mar 11, 2025 6:05 pmPretty sure that depends on the company. The credit union I worked for for 17 years never did that with payments. You can't pay a credit card ahead for the next month but your funds were available to use pretty much right away.JMarkJohns wrote: Tue Mar 11, 2025 5:44 pm Hopefully it’s returned, but yeah, it sucks to have a hold on real money.
Apparently you can’t make double payment on credit cards. It’s some sort of anti-money laundering thing. Your monthly payment will be applied and credited to account. A second payment will take your funds and not credit the amount to your account until the next month. I once paid off a card lol a week after I paid the minimum, and lost the several grand for the payment but it didn’t open up the space for the trip I was prepping for.
Something similar happened to me. My Chase cash back credit card has a limit of $15K and I wanted to make an $18,000 purchase for a bath remodel. That card has no current balance. I transferred $4000 from my checking to the credit card, trying to get a $4000 credit when the $18,000 charge comes in then tried to make the purchase. No luck, had to put balance on another credit card.
- scumdevils86
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Re: Venting Thread
Yeah you typically can't make a purchase over your approved credit limit. My credit union used to actually allow you to pay over your limit and use it like you described though merk. That went away a while ago though.
For dove, any revolving line of credit such as a credit card can only have one payment per month that applies to advancing a due date. Sometimes I make 2-3 payments on my credit card a month, but it only changes the due date once. This is unlike a car loan where it would advance the due date by 2-3 months.
For dove, any revolving line of credit such as a credit card can only have one payment per month that applies to advancing a due date. Sometimes I make 2-3 payments on my credit card a month, but it only changes the due date once. This is unlike a car loan where it would advance the due date by 2-3 months.
Re: Venting Thread
The wife was gifted a sourdough starter. In the course of two weeks it has completely consumed our lives and for some reason I STILL DON’T HAVE ANY FUCKING BREAD!
Of the 12 coaches, Rush picked the one whose fans have the deepest passion, the longest memories, the greatest lung capacity and … did I mention deep passion?
- dovecanyoncat
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Re: Venting Thread
It's a culinary chain letter that now dominates your household. Disrespect it and murderous demons from the world of TV cooking shows will crawl out of your refrigerator and .... you know what happens next.Chicat wrote: Sun Mar 16, 2025 2:08 pm The wife was gifted a sourdough starter. In the course of two weeks it has completely consumed our lives and for some reason I STILL DON’T HAVE ANY FUCKING BREAD!
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
Re: Venting Thread
Do they put me out of my misery? Because then let the yeasty hell demons do their worst.dovecanyoncat wrote: Sun Mar 16, 2025 2:14 pmIt's a culinary chain letter that now dominates your household. Disrespect it and murderous demons from the world of TV cooking shows will crawl out of your refrigerator and .... you know what happens next.Chicat wrote: Sun Mar 16, 2025 2:08 pm The wife was gifted a sourdough starter. In the course of two weeks it has completely consumed our lives and for some reason I STILL DON’T HAVE ANY FUCKING BREAD!
Of the 12 coaches, Rush picked the one whose fans have the deepest passion, the longest memories, the greatest lung capacity and … did I mention deep passion?
- dovecanyoncat
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Re: Venting Thread
Not before remodeling your kitchen to the tune of $150k and building a farm to table backyard organic raised bed enterprise of equal cost. They replace all your prized bourbon with Scotch and red wine. They turn Femcat into Julia Child, and your boys into bulimic girl TikTok influencers. You are the last to die. And you don't want to know the details.Chicat wrote: Sun Mar 16, 2025 2:34 pmDo they put me out of my misery? Because then let the yeasty hell demons do their worst.dovecanyoncat wrote: Sun Mar 16, 2025 2:14 pmIt's a culinary chain letter that now dominates your household. Disrespect it and murderous demons from the world of TV cooking shows will crawl out of your refrigerator and .... you know what happens next.Chicat wrote: Sun Mar 16, 2025 2:08 pm The wife was gifted a sourdough starter. In the course of two weeks it has completely consumed our lives and for some reason I STILL DON’T HAVE ANY FUCKING BREAD!
Be nice to the starter.
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
Re: Venting Thread
I’d like to opt in for the fentanyl drip now.
Of the 12 coaches, Rush picked the one whose fans have the deepest passion, the longest memories, the greatest lung capacity and … did I mention deep passion?
Re: Venting Thread
Update: We have bread. And it’s pretty good.
I’d still like to go back in time to when we didn’t have this bullshit starter though. Not worth the angst.
I’d still like to go back in time to when we didn’t have this bullshit starter though. Not worth the angst.
Of the 12 coaches, Rush picked the one whose fans have the deepest passion, the longest memories, the greatest lung capacity and … did I mention deep passion?
- Alieberman
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Re: Venting Thread
I remember when we joined the Covid Sourdough Starter Craze... I named our starter "Doughbi Wan Kenobi". Good times
- CalStateTempe
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Re: Venting Thread
Where do you get starter?
I’m gonna start making poolish for my pizza dough
I’m gonna start making poolish for my pizza dough
- Alieberman
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Re: Venting Thread
I'm sure you can buy it- but most people make their own- It's literally flour and water and "feeding" it over a week. Its easy. Just Google sourdough starterCalStateTempe wrote: Mon Mar 17, 2025 10:30 am Where do you get starter?
I’m gonna start making poolish for my pizza dough
Re: Venting Thread
Ours was given to us by neighbors like a monkey’s paw curse, but as Ari said you can make your own.
Just don’t give it to your neighbors or they’ll secretly hate you.
Of the 12 coaches, Rush picked the one whose fans have the deepest passion, the longest memories, the greatest lung capacity and … did I mention deep passion?
- Merkin
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Re: Venting Thread
You can buy starter that goes back 100s of years. https://www.amazon.com/Living-Dough-Fra ... 66698&th=1
- dovecanyoncat
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Re: Venting Thread
You're doomed.Chicat wrote: Mon Mar 17, 2025 12:26 pmOurs was given to us by neighbors like a monkey’s paw curse, but as Ari said you can make your own.
Just don’t give it to your neighbors or they’ll secretly hate you.
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
- dovecanyoncat
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Re: Venting Thread
Azazel's own. Save yourselves!Merkin wrote: Mon Mar 17, 2025 12:56 pm You can buy starter that goes back 100s of years. https://www.amazon.com/Living-Dough-Fra ... 66698&th=1
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
Re: Venting Thread
I’m now responsible for baking bread while the wife gets her nails done.
You’ve never met a bigger beta cuck.
You’ve never met a bigger beta cuck.
Of the 12 coaches, Rush picked the one whose fans have the deepest passion, the longest memories, the greatest lung capacity and … did I mention deep passion?
- dovecanyoncat
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Re: Venting Thread
LOL You're just fishing for that 3-way.Chicat wrote: Sat Mar 22, 2025 1:19 pm I’m now responsible for baking bread while the wife gets her nails done.
You’ve never met a bigger beta cuck.
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
- Merkin
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Re: Venting Thread
My wife who was an educator just told me this. Explains the 2016 and 2024 elections.
In 2024, the US adult literacy rate is approximately 79%, meaning 21% of adults struggle with basic literacy skills, and 54% read below a 6th-grade level.
Here's a more detailed breakdown:
Overall Literacy Rate: About 79% of U.S. adults are considered literate, meaning they can perform tasks requiring comparing and contrasting information, paraphrasing, or making low-level inferences.
Low Literacy Skills: Around 21% of adults struggle with these tasks, with 26.5 million at level 1 and 8.4 million below level 1.
Adults Reading Below 6th Grade: 54% of adults have a literacy level below the 6th-grade level.
Functionally Illiterate: 21% of adults are considered functionally illiterate, meaning they score at Level 1 or below.
In 2024, the US adult literacy rate is approximately 79%, meaning 21% of adults struggle with basic literacy skills, and 54% read below a 6th-grade level.
Here's a more detailed breakdown:
Overall Literacy Rate: About 79% of U.S. adults are considered literate, meaning they can perform tasks requiring comparing and contrasting information, paraphrasing, or making low-level inferences.
Low Literacy Skills: Around 21% of adults struggle with these tasks, with 26.5 million at level 1 and 8.4 million below level 1.
Adults Reading Below 6th Grade: 54% of adults have a literacy level below the 6th-grade level.
Functionally Illiterate: 21% of adults are considered functionally illiterate, meaning they score at Level 1 or below.
Re: Venting Thread
Uh, did you wife offer any correlation between this data and voting/non-voting or actual voting patterns?Merkin wrote: Fri Mar 28, 2025 3:19 am My wife who was an educator just told me this. Explains the 2016 and 2024 elections.
In 2024, the US adult literacy rate is approximately 79%, meaning 21% of adults struggle with basic literacy skills, and 54% read below a 6th-grade level.
Here's a more detailed breakdown:
Overall Literacy Rate: About 79% of U.S. adults are considered literate, meaning they can perform tasks requiring comparing and contrasting information, paraphrasing, or making low-level inferences.
Low Literacy Skills: Around 21% of adults struggle with these tasks, with 26.5 million at level 1 and 8.4 million below level 1.
Adults Reading Below 6th Grade: 54% of adults have a literacy level below the 6th-grade level.
Functionally Illiterate: 21% of adults are considered functionally illiterate, meaning they score at Level 1 or below.

“If you have the choice between humble and cocky, go with cocky. There's always time to be humble later, once you've been proven horrendously, irrevocably wrong.”
― Kinky Friedman
― Kinky Friedman
Re: Venting Thread
So, the Department of Education has been doing a wonderful job?
Re: Venting Thread
Better than you do here.
Love the 've! Stop with the: Would of - Could of - Should of - Must of - Might of
Re: Venting Thread
+3 rep
Re: Venting Thread
The joke is that KK thinks those literacy rates are too high.
Of the 12 coaches, Rush picked the one whose fans have the deepest passion, the longest memories, the greatest lung capacity and … did I mention deep passion?
Re: Venting Thread
After reading your posts here over the last few years it's highly unlikely you know what the Department of Education actually does.KaibabKat wrote: Fri Mar 28, 2025 10:48 am So, the Department of Education has been doing a wonderful job?
- dovecanyoncat
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Re: Venting Thread
Somebody tell KKunt for me that blaming the DOE after decades of GOPer defunding is like making CTL sell Girl Scout cookies for NIL $ and then blaming him for having homeless gun nuts as starters.
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
- dovecanyoncat
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Re: Venting Thread
When maggots blame the DOE it's like wife beaters bitching about their wives wearing too much makeup to cover the bruising.
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
Re: Venting Thread
I hate that feeling after the NCAA's when you realize there's no more college basketball...
... Emptiness, aimlessness, and monotony reign
... Emptiness, aimlessness, and monotony reign
“If you have the choice between humble and cocky, go with cocky. There's always time to be humble later, once you've been proven horrendously, irrevocably wrong.”
― Kinky Friedman
― Kinky Friedman
- Alieberman
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Re: Venting Thread
There should be an extra game at the end of the year for the 20 people who are not entering the portal.pc in NM wrote: Tue Apr 08, 2025 2:40 pm I hate that feeling after the NCAA's when you realize there's no more college basketball...
... Emptiness, aimlessness, and monotony reign
- CalStateTempe
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Re: Venting Thread
Ffs dad, you really gotta go on your “ California is a corrupt state” rant at my daughter’s first communion party?!?
- CalStateTempe
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Re: Venting Thread
It’s ok, he already went off on his “I don’t agree with the name of your church”
Let’s just say the evangelicals got to him and he’s not a fan of Mary, and/or the Catholic church’s emphasis on her.
He’s been like that for 30years, but come man, know your crowd…
Let’s just say the evangelicals got to him and he’s not a fan of Mary, and/or the Catholic church’s emphasis on her.
He’s been like that for 30years, but come man, know your crowd…
Re: Venting Thread
I’m sure your parents were big on “time & place” stuff, like you don’t discuss politics in mixed company and kids better not show their ass in public. Then one day old people flip a switch and decide to say whatever fool thing comes into their brain any time they feel like it.
Like my buddy’s father-in-law at his wedding reception stopping everything to go on a God Bless the Troops rant even though no one in the audience was currently serving and they had zero history of service in their family. Just out of nowhere with a big “I have a microphone and you are going to listen to what I have to say” energy. Fucking bizarre.
Like my buddy’s father-in-law at his wedding reception stopping everything to go on a God Bless the Troops rant even though no one in the audience was currently serving and they had zero history of service in their family. Just out of nowhere with a big “I have a microphone and you are going to listen to what I have to say” energy. Fucking bizarre.
Of the 12 coaches, Rush picked the one whose fans have the deepest passion, the longest memories, the greatest lung capacity and … did I mention deep passion?
- dovecanyoncat
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Re: Venting Thread
At a certain age for men many things turn into vanity projects, and the filters get blown and social situations become target rich environments. Family tends to be collateral damage. Battlefield triage ensues.
“Conservatism consists of exactly one proposition …There must be in-groups whom the law protects but does not bind, alongside out-groups whom the law binds but does not protect.”
~ Wilhoit's Law
~ Wilhoit's Law
- JMarkJohns
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Re: Venting Thread
I was raised in a church where we as a youth group actively collected food, clothes, blankets for our homeless and less fortunate neighbors. We had a senior ministry to help with lawn work and manual labor and moving. We cleaned up a local park every month. We sponsored a local foster care non-profit.
It’s crazy how little I see any of this in modern religion. I haven’t recognized the value since the first Trump admin, aside from a singular home group, ironically led by a woman, and her grown anchor baby husband. I have effectively turned one of my non-profits into all that absent the preaching. Community for Community sake.
Gonna grit my teeth and spend Mother’s Day with my folks, who both hate Trump, but whose church does not. Can’t wait for that service.
Mothers Day. Biological Women Having Children Day. Biological Women Having Children Naturally And Without Science Day. Biological Anti-Vaxx Women Having Children Naturally And Without Science Day. Biological Anti-Vaxx & Husband Serving Women Having Children Naturally And Without Science Day.
Something like that, I’m sure.
It’s crazy how little I see any of this in modern religion. I haven’t recognized the value since the first Trump admin, aside from a singular home group, ironically led by a woman, and her grown anchor baby husband. I have effectively turned one of my non-profits into all that absent the preaching. Community for Community sake.
Gonna grit my teeth and spend Mother’s Day with my folks, who both hate Trump, but whose church does not. Can’t wait for that service.
Mothers Day. Biological Women Having Children Day. Biological Women Having Children Naturally And Without Science Day. Biological Anti-Vaxx Women Having Children Naturally And Without Science Day. Biological Anti-Vaxx & Husband Serving Women Having Children Naturally And Without Science Day.
Something like that, I’m sure.
Re: Venting Thread
I was also raised in church, in the Bible Belt. When my parents fell into a double of whammy of financial and health crises, a social circle of older church ladies stepped in and made sure us four kids were properly signed up for the school lunch program and were given nice clothing for the new school year.
Through my twenties the few churches I attended geared their budgets less on charity and more so on expanding their staff and unwise, over mortgaged property expansion projects. Not a lot of thought toward overseas missions or hands-on community projects.
Which was why, when I moved to Southern California five years ago, I was very glad to attend the Presbyterian street down the street and volunteer in their outreach program hosted for the large homeless population living in the neighborhood. Twice a week their courtyard is opened for meals, medical care, and clothing donations.
A secondary benefit is that for other volunteer groups from other churches, the Navy, college fraternities, and Scout troops, our outreach program is excellent exposure to a side of the population that tends to be ignored and dismissed.
Matthew 25:35-37 - For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, I was a stranger and you invited me in, I needed clothes and you clothed me, I was sick and you looked after me, I was in prison and you came to visit me.
Through my twenties the few churches I attended geared their budgets less on charity and more so on expanding their staff and unwise, over mortgaged property expansion projects. Not a lot of thought toward overseas missions or hands-on community projects.
Which was why, when I moved to Southern California five years ago, I was very glad to attend the Presbyterian street down the street and volunteer in their outreach program hosted for the large homeless population living in the neighborhood. Twice a week their courtyard is opened for meals, medical care, and clothing donations.
A secondary benefit is that for other volunteer groups from other churches, the Navy, college fraternities, and Scout troops, our outreach program is excellent exposure to a side of the population that tends to be ignored and dismissed.
Matthew 25:35-37 - For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, I was a stranger and you invited me in, I needed clothes and you clothed me, I was sick and you looked after me, I was in prison and you came to visit me.
And I said, ‘That last thing is what you can't get...Nobody can get to that last thing. We keep on living in hopes of catching it once and for all.’ Jack Kerouac, On The Road