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Consider the Lehigh Valley area. The counties of Northampton, Lehigh, and to the north, Monroe.

Here's a question. If a bank teller hands me a check, can that check be cashed immediately by that same teller?

That's it! Thanks. Last year's Medicare premiums were slightly lower and I had prepaid quarterly. Only two of the payments overlapped the new Social Security payments, so the check amount matches the prepaid payments for Jan and Feb of this year. Not too complicated after all, but I didn't...

I've been receiving Social Security Retirement benefits for two months. The deposits I receive have been the anticipated monthly benefit minus the Medicare part B premium payment. Yesterday, a check from the US treasury came to me in the US Mail. There is no explanation other than the text "...

"the entire world is available" Is that actually true? From the reading I've been doing it seems like most of the world won't allow a retired U.S. citizen permanent residency. I'd really like to know that I could live abroad, but can't see how it's possible.

That insight from the inside is really helpful, and the banks position on a loan or line of credit is understandable. The loan account in question does have a large balance, definitely not zero. The thing that makes this credit card issue distinct from the circumstance in your description is...

This situation really is very little more than a brain teaser / mystery exercise because the application has finally been approved on appeal. Due to the applicants long history with the CC bank, the deposits on account at that bank, and the credit score, Underwriting Management granted an...

My understanding is the same as yours, but according to the CC bank the ratio they are interested in, and the issue for this approval, is in fact the monthly debt payments divided by the monthly income.

Your suspicion about the nature of the CC bank is correct. The guesses (are they guesses, or does that practice actually exist) about internal supplements to credit bureau reports would explain everything. Every piece of evidence would support that, including the CC banks representative...

Maybe that's true. A different bank isn't an option in this case. The applicant for the credit card actually has no need for additional credit. The entire drama was initiated by this particular bank by offering a card with an attractive cash rewards program with a cash incentive for signing up.

The credit score for the declined applicant also hovers near the maximum and that was acknowledged as not being the problem. According to the bank, the entire issue has to do with the calculation of monthly debt payments divided by monthly income.

You are right about monthly payments being arbitrarily assigned to credit cards, but they are reported by the credit bureau. The Experian credit report does show exactly those calculated credit card obligations but has no such payment for the secured loan. Their credit report indicates no...

I know a guy who had difficulty getting an approval for a new credit card. The explanation for the decision to decline the application was listed as a debt to income ratio being too high. The only monthly payment obligations this guy has are for five credit cards, and the total of those...

Including all gasoline and diesel fuel for cars, motorcycles, mowers and tractor the average expenditure over the last five years was $2,123.75. That includes vacation travel in personal and rented cars.

2002 Nissan four wheel drive Xterra with 169,000 miles.

That picture makes you look like William H. Macy.

I use a credit card for every expenditure possible in order to capture the cash back rewards. For expenses that need to be paid by check, I use the Discover Checking account online. That allows me to avoid postage and envelope costs AND they actually pay me $0.10 per check. I've wondered if I...

How about this? And this?

Just for fun, I once asked my old Garmin GPS to avoid tolls on a trip from Pennsylvania to Manhattan, NY. It took a long time to calculate the route, and I'm not sure how successful it was in minimizing the tolls, but it did give me a route that was several thousand miles and included Nova...

We really enjoyed staying at the Hotel St. Marie on Toulouse Street in the French Quarter. French Quarter Hotel | Downtown New Orleans | Hotel St Marie Walking and the street car served us very well. If you are able to track down the street band Tuba Skinny you will never forget their...

Thanks for your input. It really was helpful for this first timer. I bought the tongs as recommended, but because of the small additional cost of buying a set, I also have a big fork and spatula. I bought a cleaning brush too. I really liked the idea of the Thermapen but the cost was too high...

Nice story. Thanks for the pictures.

Do you bike? Yes How often? As frequently as motivation and weather allow. Usually 2 or 3 times a week. Road, path or trail... cross country? Bicycle / walking trails mostly. Maybe there are some parts of the world where riding in traffic on the street is appropriate, but to my perception...

Thanks for the advice. I guess this isn't going to be so hard after all. I'll just find some good quality long handle tongs, a spatula, and a stainless scouring pad. That Thermapen looks nice, but NINETY bucks for a meat thermometer seems... wow! What about one of those $20 or $30 meat...

I've been retired for more than a dozen years and I just bought my first outdoor gas grill ever. I have never cooked with charcoal or on a gas grill before, but I realize that there will need to be special cleaning and maintenance tools as well as special purpose utensils needed. It's obvious...