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Re: Status for posting deals that are posted to main site?
Not really a deal but...

I'll settle for a like
you got one from me

October 16, 2016, 03:19:00 AM
Re: Amex Offers Discussion Thread $20 off $100 at was on all my cards. It's so tweetable #AmexStaples
November 14, 2016, 03:15:13 AM
Re: Random Posts Happy sBS!!
November 26, 2016, 06:14:24 PM
Re: Dispute Credit pull? By the way, all these months later, still waiting for a citation showing it's illegal for a bank to make a hard pull for account review — or for a collection agency to make hard pulls. If I'm wrong, seems like it would be easy to prove. But it's all talk and zero citations from the DDF "experts." LOL.
November 26, 2016, 09:07:38 PM
Re: Dispute Credit pull? Now i have to preempt this by saying that i dont know much about the legal side of credit pulls, or legal matters in general. Sure don't know what prompted me to read this entire thread this lovely Sun afternoon.

but to me the attacks on jsk173 seemed unfair. Now i dont know if there's any previous bad blood between some of you (like other threads or topics), or whether there are hidden loyalties or friendships in play here, but i'm even more puzzled by the fact that it is done by established forum members.

now, JSK, i have no clue whether you have any use for my advice (and you probably don't) - but to me, you made valid logical arguments (no idea if right / wrong), that have not received any valid response, and it sounds like you know that, so why play into this whole thing? to me it seemed that you were being taunted, and you are just not going to get acknowledgment from the other side, whether right or wrong.

anyways, my 2 cents

November 27, 2016, 01:44:29 PM
Re: Dispute Credit pull?
Just read these and tell me what you think

1st of all, thank you for the links, as there was truly 0 chance i was going to reread this thread :).

I do think that the statue itself listed in first link doesn't clearly address the issue, at least to an inexperienced layman like me, as it doesnt clarify what would be a valid reason for "account review" or the frequency with which such reviews can occur. Though i'm sure there are sub-statues or precedence that likely address these questions. I'm assuming that late / missed payment would for sure be one of those reasons.  Also, i'm sure there is other info dictating when hard / soft pulls can be used, and in my personal experience only soft pulls are used for account maintenance, but again its not clear from quoted text.

the lawsuit link seems more promising, and i agree that the general sense of the article does seem to be that financial institutions can't just hard pull when they want to, but based on below text, it sounded to me that the situation here wasn't banks pulling credit on existing customers as part of an account review process, but rather hard pulling prospective clients even though they haven't fully finalized the loan application, even after promising to soft pull them. Again, i'm by no means a lawyer, so maybe i'm just mis-interpreting the text.

   ((The settlement class includes anyone on whom SoFi ran a “hard” credit inquiry between Nov. 20, 2013, and Aug. 13, 2014, in connection with a student loan refinancing or a personal loan who never finished the process of funded a loan nor uploading the documentation.    The class action began with a complaint in November 2014 from consumer Shawn Heaton saying that SoFi falsely represented to prospective borrowers that it ran soft credit inquiries that wouldn’t affect a credit score, violating the FCRA and California’s Consumer Credit Reporting Agencies Act and Unfair Competition Law))

Just to be clear, although i'm of the opinion that banks can't just hard pull your credit (based on my personal experience and anecdotal evidence gathered from credit departments) and the fact that they just don't do it is good enough for me. Thus i do believe that a specific legal reason does exist, but don't think it has been presented in this thread yet.

November 27, 2016, 08:28:22 PM
Jamie Dimon wishes Sapphire Reserve cost JPM $400MM

I'll double down if you let me sir.

January 18, 2017, 01:00:00 PM
Re: What Are You Eating?
that's the way to do it....

Anyone here ever had fresh fish
What I mean is Caught yourself cut open and take a piece of Sashimi
Many times.

This one time in Penang Malaysia, I was trying to find something lekovod shabbos but there was absolutely no kosher food to be found. An hour before shabbos, I had given up on the search and am riding my moped on the way back to the guest, I see an old man fishing at the pier. I stop and look into his bucket and sure enough, there's a beautiful parrot fish swimming around in there. Its got the scales & fins so I offer him $1 and he agrees. On my way back to the guesthouse I get lost in thought, trying to figure out what to do now as there's no time to light a fire or kasher a BBQ. Suddenly, I see a mechanic working on a motorcycle at a repair shop. I stop and ask him if I can borrow his blow-torch, he gives me his torch and his mouth dropped when he sees me pull out a brightly colored parrot fish from my bag. I sliced it open, fillet it and grilled it with the torch. Made it back to the guesthouse with plenty of time to spare before zman.

The fish tasted amazing BTW (not the best i've had, but definitely elevated my shabbos)

Has anyone else ever tried Parrot Fish?

February 08, 2017, 04:28:58 PM
Panama TR- a Hidden Family Gem (w/AWESOME restaurants)! Before I get into all the details of our trip that we took for mid-Winter break.  I just want to let you know that we were traveling with 3 kids from pre-school to middle school so I wanted somewhere where we could both relax and do excursions but at a low-key, non-stressful pace and in a comfortable environment that all my kids would enjoy.

With Panama, I basically found a place that has the ease of vacationing in Miami or Scottsdale but with the adventures you can get in the rainforest and beaches of Costa Rica and Brazil.  On United or Singapore it is also only 35k RT in Economy or 60K in J, with tons of flights out of NY, LA and other markets. Since there are no direct flights from where we live in Denver we booked the outbound through IAH and on the return we did a two night stopover in Cancun.  Because we knew we were going to Cancun we did not make the effort to visit some of the amazing beaches and islands they have in Panama, although I'll try to still provide info on them.

Ok here is it goes (and before I begin, thank you to @Yehuda for helping me with the pictures)...we arrived late on a Sunday and thanks to this AMAZING app called Kosher PTY we had awesome sushi and pasta waiting for us at our hotel!

The app is in spanish but a lot of the words are the same and y'all have google translate so you should be able to figure it out!  Also, they do NOT accept payment over the app, it is just for ordering so remember you need to be there at your delivery time (so you can't have food waiting at your hotel for you).

We stayed at the Hilton on Avenida Balboa, and I would HIGHLY recommend it!  Because hotels are so cheap, I actually decided not to waste any points and just paid for the room (Panama City would be a great place to spend less points by booking with your Sapphire Reserve although I will also have info later on one hotel that might be the best possible use of your Marriott 7 night cert in the whole system).  Since it cost less than two rooms, and I don't like being crammed with our kids into one room we booked an Executive Master Suite.  It was HUGE, over 1100sqft. with a full kitchen and 2 bathrooms.

Here are some pics:

Kitchen, Living and Dining Area

We had a huge bedroom and Master Bath and another full bathroom with shower although my pictures of those are loading her upside down so if someone wants to help me figure out how to post them correctly, I can add some pics of them too!  ;D

Most people don't know that Panama City has more skyscrapers than any city in Latin America (yep, more than Rio and Mexico City) and it has a truly stunning skyline...

The hotel lobby was also just gorgeous with stunning two story windows and views of the Pacific Ocean and Bay:

This is a picture take from our suite of the Waldorf Astoria, one block over (sorry it's showing landscape and not portrait).  You can see it is a row back so it doesn't have water views from most rooms or the pool.  The pool also looks really small.  Because of those reasons and also no breakfast or lounge, I decided to book instead at the Hilton and was very happy with my choice.  The Hilton, Waldorf Astoria, Le Meridian and InterContiental are all super close and in what I think is an excellent location.

Since it was a long day of outbound travel and we were there a full week, we decided to make the first day a lazy one.  That morning got up late and went to the Kosher Coffee Bean literally a block from the Hilton and enjoyed some awesome pastries and empanadas and they have beautiful salads and sandwiches too (and all those wrapped goods had a hecsher on each product, in addition to the teudah on the store). I have a picture from here but that one also is loading upside down so it's not included.

We then walked a few blocks more to the Multi-Centro Mall to the HUGE Deli K Supermarket.  My kids actually had fun picking out stuff from Israel and all over that we can't buy in Denver.  They also have a sit down meat and dairy restaurants (we did not order from those though).  For those of you that keep CY, they even had shelf stable CY milk.  We didn't do any overnight or extreme excursions while we were there but if you were you wouldn't have to bring anything from the US and I would pick up everything here.  I regretted packing any snacks as they really do have everything!

After our little shopping trip and laden down with bags we decided to take a cab the almost mile back to the hotel and it was a whopping two bucks and I didn't even have to bargain (try that in Israel or Cancun where you better be ready to battle the cab drivers over fares)!

We then headed down to the gorgeous Hilton Pool, it's on their 12th floor, with great views.

Hope you enjoyed the beginning of my TR, my apologies for newbie photo or other errors and hopefully more is coming soon!

March 15, 2017, 01:52:28 PM
Re: Next Vacation - Ideas
I gave up searching until I get to a computer
Try using DDF in browser on phone. It's super small, but I like it way better than tapatalk.

March 24, 2017, 01:55:56 PM