OlDawg

I guess I should add that I only use Apple Pay for incidentals now as well. Both of my Credit Unions, and the one bank recommend it for security since no one ever sees your card number. If they don’t take Apple Pay—which is rare nowadays—I use the virtual card Capital One lets you set up with their cashback card. Between that, setting the freeze, and checking my home title online through the county every 6 months, I feel better protected, and I’m not paying for a service like Lifelock or similar. Recently completed a TODD for our house while my wife is still considered ‘competent’. So, no one can do anything with the house title without us voiding it first anyway. I’d get an immediate notice from the county if someone tried. Identity theft was a booger.

Same. Except I use the Capital One (1.5% back) strictly for all regular recurring bills like utilities, insurance, prescriptions, etc. I use the one from the Credit Union for incidentals. I write one check a month still because I just can’t get myself to trust the City for the water bill, and they want direct bank access. Everything is paid off every month.

We are similar. But, my identity was stolen from a DoD breach. Since I don't take out loans, and I only keep 2 cards (I use them for autopayment of bills where I can dispute & get cash back) it took me until I received collection notices to know I'd been had. I checked my credit reports yearly, and receive immediate notices for every charge on my cards via Capital One & my Credit Union. It didn't matter. The DoD breach affected millions of veterans, and included all the identifiers--and more--than even in this misuse of data. I should have titled the thread differently I guess, because this is a much bigger disclosure than just your SSN. If you don't use credit regularly--or at all--so you think yourself safe, I'd actually say you're probably the most at risk because you wouldn't normally think it's a big deal and shouldn't involve you. I thought the same. A freeze can be lifted in a matter of hours. Not days. I actually tested it when I first set ours up. It was unfrozen in less than an hour online. It's one of the few proactive things you can do to help protect yourself, and it's free. Anyway, each to their own. I posted for information purposes only. The article is from Dow Jones, Inc. and Morningstar. Can't impeach the sources.

You should read the article. It addresses your second paragraph. As far as the delay on a loan, I’m sure a banker prefers impulse loans to someone having more time to think. Ha!

Grew up poor as the dirt on the farm I grew up on. My folks' most used answer was, "We'll see." Obviously, I grew up to learn that was a nice way of saying NO. I've shopped at Aldi for years, and use every coupon--digital or otherwise--I can find anywhere else. On the rare occasions we eat out, it's at a place where they've emailed us a deal, or they have some type discount advertised. I guess it's ingrained in me. Not a bad lesson to have been taught. Used to joke I was Dave Ramsey before he became famous. lol

Links to the Credit Agencies included below: What To Know About Credit Freezes Freezing your credit can help stop identity theft. When a credit freeze is in place, nobody can open a new credit account in your name. There’s no cost to place or lift a credit freeze, and it doesn’t affect your credit score. You don’t have to wait for your Social Security number or other information to be exposed in a data breach or misused by an identity thief to get a credit freeze. Anyone can do it, any time. [Hidden Content]

Not quite. Illegal immigrants have SOME due process rights before an Immigration Court judge. Immigration Court judges are part of the DOJ. Full due process rights that a citizen receives in the Judicial Branch are considered on an individual case basis, and depend on the specific circumstances.

I didn’t post this as a political statement. I posted it to remind everyone how important it is to consider ‘freezing’ your credit at the 3 major agencies. It’s free, easy, and only takes about 15 minutes to complete. About 5 minutes each agency. You can always easily unfreeze for a single purchase, or a designated time period, and then have it automatically refreeze. No one can create an account under your name while frozen. I did this for my wife and I after the massive DoD data leak a few years back. I was glad I had done it when AT&T had their major leak here recently. Since then, my university information has been leaked, and some of my health information among others. It’s just a little peace of mind that’s free, easy, and can be done while drinking a cup of coffee. It’s literally that quick.

Every American's personal data is at risk of fraud after DOGE's alleged mismanagement, Social Security's former chief data officer tells MarketWatch

As I stated, he should have stayed in his truck. Since--from the videos I've seen--he got out, left his truck in the busy intersection, and physically confronted the female student, the assault charge seems appropriate. He should also have been given some type of traffic citation. As for the students, they were fine separating the two. They could have used just enough force to separate and hold the MAGA hat man while one of the others called the police. Instead, they chose to gang up on him and physically assault him with multiple students. In my opinion, that's where they also should be charged with assault. They don't get a free pass just because they're students. Their parents applauding their actions is not a good example at all, and sends a definite wrong message they can just take the law into their own hands whenever they want and think they're heroes. I'm not even sold they had a First Amendment right to leave school without permission and protest. Yes, they have First Amendment rights. But, they are also expected to be in school. For those that say they have a right to free speech, and to protest--if you take that argument to conclusion--it means any student can just leave school at any time they want because they want to protest anything under the sun, and the school can't do anything about it. I don't believe that's how it works. I believe the school has some liability here as well. To me, if the Buda police don't also charge the students involved in the physical altercation that appears excessive, they are negligent at best, and not applying the law equally because of bias. At this time, they appear to be justifying their actions because of their youth, and--I sense--pressure from the town & the town's Mayor. Like I said, this sets a very bad precedent to me. @tvc184 probably has a much better take on something like this than me. I'm just going with my layman's understanding based on what I've seen and read of the incident. My legal experience has to do with contract law in engineering and construction business agreements, and some other business law from owning a non-profit.

I believe at realignments, teams generally redraw for home/away for district play. I was trying to find other 9-5A team schedules, but La Porte seems to be the only one out so far.

If you are going to continue to purposely lie, don’t use my posts to do so. This is the second time I’ve asked you nicely.

Was his coat similar to this one? What a concept. You should read something besides Gavin Newsome’s X account. You should get out more. As my dad used to say, “Go learn something.” [Hidden Content]

Here’s an example. OOPS! Wrong group. [Hidden Content]

Just common sense to most people.