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Happy Friday!

ShesSoColdShesSoCold mod
Moderator 5000 Comments Fifth Anniversary 500 Love Its
in Wedding Woes
We made it through the week!!

Today is the inspection so H and the dog are off again and hanging out at my dad's house. Fingers crossed the inspection goes well!

Ever since H and I started seriously considering moving, my sister and a friend had been planning to help us move and drive out with us (which would be a godsend because otherwise we'd both be alone in a car for 3 days) but didn't tell us. I am like, almost crying. This is the nicest thing anyone's ever done for me. To take your own PTO to drive someone's crap across the country is awesome. 

Anyone doing anything exciting this weekend? Any other Finns here? Tomorrow is St. Urho's Tay! 
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Re: Happy Friday!

  • charlotte989875charlotte989875 member
    Knottie Warrior 10000 Comments 500 Love Its 5 Answers
    Happy Friday friends! So glad we’ve made it through the week. 

    I have to return a pair of boots tonight, but that’s really all we’ve got planned. My goddaughter’s birthday party is tomorrow and I’m doing a long run on Sunday. AND I’m taking Monday off!! Other than that just a quiet weekend planned. 

    I have a coworker, she’s younger than I am and this is her first job out of college; she’s really smart and (generally) good at her job, but she complains a lot that our group leader (not direct manager, but above him) is mean and she doesn’t like his tone. She’s vented to me a lot, and while I think he’s direct, I don’t agree with her. She is quite sensitive, but I really don’t know what to tell her. I’ve listened to her, told her that her feelings are valid, but she doesn’t want to say anything to anyone, but every few weeks she’ll go over the same points with me about him. I get it that it’s tough when you don’t agree with how communication happens at work, but if you’re not willing to say anything to try and make it better I don’t really know what to say. I listened to her for like an hour last night (and didn’t get to return my boots!)
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  • charlotte989875charlotte989875 member
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    STARMOON44 said:
    I’m finally feeling good about my diet and then I walk into the office and we are celebrating St. Patrick’s Day, a birthday, and a retirement. There are the following within eyesight of my office: delicious strawberry birthday cake from my favorite bakery, home made soda bread, Irish car bomb cupcakes, brownies, cookies, two cakes, and croissants. I ate my cottage cheese and I don’t begrudge anyone the festivity but man it’s a hard morning!
    That’s tough! We had three kinds of pie yesterday (Pi Day) and it was a struggle all day long. 
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  • VarunaTTVarunaTT member
    Knottie Warrior 10000 Comments 500 Love Its First Answer
    I'm at work.  I...am struggling with actually working.  I'm thinking about grocery shopping.  Okay, I actually am grocery shopping and amazon shopping.  I need spring, pronto.

    St. Patrick's Day parade this weekend with roller derby.  I will be sitting in the apartment, watching it go by.  

    Other than that, not too much planned.  The apartment is clean and laundry is finished already.  I have some cooking planned, but other than that I just really want to catch up on Star Trek Discovery and some other TV shows.
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  • OliveOilsMomOliveOilsMom member
    Tenth Anniversary 5000 Comments 500 Love Its 5 Answers

    SSC - That's so sweet of your sister and friend!  Hope the inspection goes well!

    Charlotte - That's rough having to go through the same convo over and over with her, even if there are some months in between!  I would probably just say "Its like I told you a month ago.  Boss' boss is just a direct person and its how he is.  I don't know what else to say!"  I would then try to change the subject.

    This weekend is packed with fun!  Tonight is ax throwing for my BFFs Hs 40th birthday.  We are all bringing treats and its BYOB.  MIL is "watching" DD for us tonight, though by the time we leave DD will be sleeping, so she really will just be the body in the house we need to not break the law!  But we are having MIL and her BF over for dinner, so that MIL can spend some time with DD.

    Tomorrow is our 7th anniversary.  I convinced H to get a couples massage, then dinner (probably an appetizer and piece of cake each LOL!) at Cheesecake Factory, followed by Captain Marvel.  I think I will get a Target run done in the morning and grab my niece who is babysitting.

    Sunday will be church and then my BFFs son's birthday party.  The kid is 10, I don't know where the time has gone!

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  • levioosalevioosa member
    Knottie Warrior 5000 Comments 500 Love Its 5 Answers
    The diet struggle is real at work. People always have candy at work and I’m constantly having to say thanks but no thanks. And one of my coworkers brings her daughter’s Girl Scout cookies and asks us weekly if we want them. Escaping is impossible!

    I thankfully have nothing planned today. It’s my first day in weeks I can just stay home, although I will be doing homework. My dad is home, going stir crazy from having to relax. He hasn’t been able to make a follow up appointment with the cardiologist who did his stent because their office won’t answer their phone or call back. So the one thing I might have to do today is drive to the office to talk to them in person and ask why the fuck they are so incompetent at scheduling a post MI and stent placement appointment. 

    Tomorrow FSIL and I are going shopping and then meeting up with my FI and her FI to have dinner and drinks. I’m looking forward to that. FI is super into St. Patrick’s Day so it will probably be a festive evening. 


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  • cupcait927cupcait927 member
    Eighth Anniversary 2500 Comments 500 Love Its First Answer
    Happy anniversary @OliveOilsMom!

    @ShesSoCold - Fingers crossed the inspection goes well!

    Not much planned for this weekend either. Tomorrow H and I are going to go buy me some new running shoes and other running essentials that we're getting low on, grabbing lunch at a fantastic little greek restaurant and then possibly stopping by a new brewery on our way home. Sunday we have a 16 mile run to do and then we're getting garbage plates for dinner. I haven't had a plate in forever and after running 16 miles, I think I'll have earned it.
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  • ei34ei34 member
    Knottie Warrior 5000 Comments 500 Love Its 5 Answers
    Happy anniversary Oi@OliveOilsMom!  May the force be with you @STARMOON44 and ugh sorry about all that time spent listening to venting @charlotte989875

    I’ve carefully been watching what I eat to prepare for the feasts coming up.  I’m Irish and Italian so St. Patrick’s and St. Joseph’s (3/19) are big eating days, and my youngest siblings (they’re twins) bday is the 18th.  Growing up it was a 3-day thing but now that we’re all in our own homes we usually just do a birthday cake after St. Patrick’s dinner.  So at least it’s not three days of treats.  I somehow pulled off six mini soda breads for the kids’ teachers last night and a normal sized one for the secretaries here at my school.  With lots more to come  :p
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  • VarunaTTVarunaTT member
    Knottie Warrior 10000 Comments 500 Love Its First Answer
    @short+sassy It has occurred to me you might have some experience with this.  I am a renter and I keep getting sent ads for these services that are making money off of reporting rent payments to the credit bureaus.  As a landlord, have you had any experience with those?
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  • short+sassyshort+sassy member
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    VarunaTT said:
    @short+sassy It has occurred to me you might have some experience with this.  I am a renter and I keep getting sent ads for these services that are making money off of reporting rent payments to the credit bureaus.  As a landlord, have you had any experience with those?
    I'm not familiar with ads/services that would be sent to renters on this subject.  Though if you don't mind passing along the name(s) of these businesses, I wouldn't mind taking a look at their website and see what info I can glean from it.

    There are online rent payment websites that landlords can sign up with and offer to their tenants.  Some of those will post rental payments to a tenant's credit history and help improve it.

    I use one.  It's called Cozy, www.cozy.co (purposefully without an "m").  They're well known and respected in the industry and have been around for about 15 years.  It's pretty sweet and has advantages to both myself and my tenants.  On the tenant's credit report, it treats rental payments the same way it would treat payments to an unsecured line of credit loan.  But it only works positively.  It doesn't negatively affect their credit if they don't pay the rent through the portal.

    It works like a bank transfer, except I don't see any of their banking info and vice versa.  There is no cost to the tenant, as long as the money is coming out of a checking or savings account.  A tenant can even pay their rent with a credit card through the portal, though there is a charge for that.

    When I was a renter, it drove me nuts that the largest bill I paid every month, ie the rent, didn't help my credit report at all.  So I've been excited to have found a solution to that for my own tenants.  I don't require them to pay through Cozy, but do point out it's such an easy way to boost/improve their credit score.
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  • mrsconn23mrsconn23 member
    Knottie Warrior 10000 Comments 500 Love Its First Answer
    edited March 2019
    I'm here.  The weather went back to shit after 2 good days.  Gray, windy, cold, and snowflakes here and there. 

    No idea what we're doing this weekend.  We need to do some stuff around the house and maybe that will get done tonight.  I kind of want to go downtown Sunday during the day just to walk around and see if there are any crazy revelers out and about. 

    I'm just looking forward to my alarm not going off.  Now that the sun isn't coming up as early (fuckin' DST), it's harder to get out of bed. 
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  • VarunaTTVarunaTT member
    Knottie Warrior 10000 Comments 500 Love Its First Answer
    short+sassy said:
    VarunaTT said:
    @short+sassy It has occurred to me you might have some experience with this.  I am a renter and I keep getting sent ads for these services that are making money off of reporting rent payments to the credit bureaus.  As a landlord, have you had any experience with those?
    I'm not familiar with ads/services that would be sent to renters on this subject.  Though if you don't mind passing along the name(s) of these businesses, I wouldn't mind taking a look at their website and see what info I can glean from it.

    There are online rent payment websites that landlords can sign up with and offer to their tenants.  Some of those will post rental payments to a tenant's credit history and help improve it.

    I use one.  It's called Cozy, www.cozy.co (purposefully without an "m").  They're well known and respected in the industry and have been around for about 15 years.  It's pretty sweet and has advantages to both myself and my tenants.  On the tenant's credit report, it treats rental payments the same way it would treat payments to an unsecured line of credit loan.  But it only works positively.  It doesn't negatively affect their credit if they don't pay the rent through the portal.

    It works like a bank transfer, except I don't see any of their banking info and vice versa.  There is no cost to the tenant, as long as the money is coming out of a checking or savings account.  A tenant can even pay their rent with a credit card through the portal, though there is a charge for that.

    When I was a renter, it drove me nuts that the largest bill I paid every month, ie the rent, didn't help my credit report at all.  So I've been excited to have found a solution to that for my own tenants.  I don't require them to pay through Cozy, but do point out it's such an easy way to boost/improve their credit score.
    Thank you!  There have been quite a few coming through lately (probably b/c I just clicked on one out of curiosity), so I can't quite recall any names right now.  The latest one was a MoCaFi, but they've been somewhat all over the place, with charges from $1.99 - $6.99/month.  I don't mind paying if it would help my credit score to grow higher.  I do think I had researched Cozy before.  I am going to reach out to my management company and see if they have anything and/or if they are willing to get anything.
    �
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  • short+sassyshort+sassy member
    Knottie Warrior 10000 Comments 500 Love Its 5 Answers
    VarunaTT said:
    short+sassy said:
    VarunaTT said:
    @short+sassy It has occurred to me you might have some experience with this.  I am a renter and I keep getting sent ads for these services that are making money off of reporting rent payments to the credit bureaus.  As a landlord, have you had any experience with those?
    I'm not familiar with ads/services that would be sent to renters on this subject.  Though if you don't mind passing along the name(s) of these businesses, I wouldn't mind taking a look at their website and see what info I can glean from it.

    There are online rent payment websites that landlords can sign up with and offer to their tenants.  Some of those will post rental payments to a tenant's credit history and help improve it.

    I use one.  It's called Cozy, www.cozy.co (purposefully without an "m").  They're well known and respected in the industry and have been around for about 15 years.  It's pretty sweet and has advantages to both myself and my tenants.  On the tenant's credit report, it treats rental payments the same way it would treat payments to an unsecured line of credit loan.  But it only works positively.  It doesn't negatively affect their credit if they don't pay the rent through the portal.

    It works like a bank transfer, except I don't see any of their banking info and vice versa.  There is no cost to the tenant, as long as the money is coming out of a checking or savings account.  A tenant can even pay their rent with a credit card through the portal, though there is a charge for that.

    When I was a renter, it drove me nuts that the largest bill I paid every month, ie the rent, didn't help my credit report at all.  So I've been excited to have found a solution to that for my own tenants.  I don't require them to pay through Cozy, but do point out it's such an easy way to boost/improve their credit score.
    Thank you!  There have been quite a few coming through lately (probably b/c I just clicked on one out of curiosity), so I can't quite recall any names right now.  The latest one was a MoCaFi, but they've been somewhat all over the place, with charges from $1.99 - $6.99/month.  I don't mind paying if it would help my credit score to grow higher.  I do think I had researched Cozy before.  I am going to reach out to my management company and see if they have anything and/or if they are willing to get anything.
    I just looked up MoCaFi.  I especially wanted to see how it worked, especially on the backend.  But they hardly had any info.  How sad that the best info I could find about their rent payment program was a pic in the app store of what the "Rental Payment Setup" screen looks like, lol.

    At any rate, it looks like your property management (PM) company would need to set up their end of things, either way.  Whether through MoCaFi or Cozy.

    So, if they are willing, they might as well just use Cozy which is a business designed for help in property management.  Whereas MoCaFi seemed more like an online bank with prepaid credit cards.  Cozy technically doesn't have fees for landlords (LL) either, but it can take up to 7 calendar days from when a tenant pays until it shows up in the LL's account.  Or the LL can pay (I think) a $3 fee (per payment) each month to have them expedited.  I'm pretty sure there's also an option to pay a flat monthly fee for expedited payments. 

    No offense to your PM company but, if they don't currently offer some kind of online rent payment option, they are a bit behind the times ;).  But I know that bigger operations can sometimes move slower.  If they do set something like that up, they'll wonder why they didn't do it sooner, lol.  It definitely doesn't hurt to ask them!  
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  • VarunaTTVarunaTT member
    Knottie Warrior 10000 Comments 500 Love Its First Answer
    short+sassy said:
    VarunaTT said:
    short+sassy said:
    VarunaTT said:
    @short+sassy It has occurred to me you might have some experience with this.  I am a renter and I keep getting sent ads for these services that are making money off of reporting rent payments to the credit bureaus.  As a landlord, have you had any experience with those?
    I'm not familiar with ads/services that would be sent to renters on this subject.  Though if you don't mind passing along the name(s) of these businesses, I wouldn't mind taking a look at their website and see what info I can glean from it.

    There are online rent payment websites that landlords can sign up with and offer to their tenants.  Some of those will post rental payments to a tenant's credit history and help improve it.

    I use one.  It's called Cozy, www.cozy.co (purposefully without an "m").  They're well known and respected in the industry and have been around for about 15 years.  It's pretty sweet and has advantages to both myself and my tenants.  On the tenant's credit report, it treats rental payments the same way it would treat payments to an unsecured line of credit loan.  But it only works positively.  It doesn't negatively affect their credit if they don't pay the rent through the portal.

    It works like a bank transfer, except I don't see any of their banking info and vice versa.  There is no cost to the tenant, as long as the money is coming out of a checking or savings account.  A tenant can even pay their rent with a credit card through the portal, though there is a charge for that.

    When I was a renter, it drove me nuts that the largest bill I paid every month, ie the rent, didn't help my credit report at all.  So I've been excited to have found a solution to that for my own tenants.  I don't require them to pay through Cozy, but do point out it's such an easy way to boost/improve their credit score.
    Thank you!  There have been quite a few coming through lately (probably b/c I just clicked on one out of curiosity), so I can't quite recall any names right now.  The latest one was a MoCaFi, but they've been somewhat all over the place, with charges from $1.99 - $6.99/month.  I don't mind paying if it would help my credit score to grow higher.  I do think I had researched Cozy before.  I am going to reach out to my management company and see if they have anything and/or if they are willing to get anything.
    I just looked up MoCaFi.  I especially wanted to see how it worked, especially on the backend.  But they hardly had any info.  How sad that the best info I could find about their rent payment program was a pic in the app store of what the "Rental Payment Setup" screen looks like, lol.

    At any rate, it looks like your property management (PM) company would need to set up their end of things, either way.  Whether through MoCaFi or Cozy.

    So, if they are willing, they might as well just use Cozy which is a business designed for help in property management.  Whereas MoCaFi seemed more like an online bank with prepaid credit cards.  Cozy technically doesn't have fees for landlords (LL) either, but it can take up to 7 calendar days from when a tenant pays until it shows up in the LL's account.  Or the LL can pay (I think) a $3 fee (per payment) each month to have them expedited.  I'm pretty sure there's also an option to pay a flat monthly fee for expedited payments. 

    No offense to your PM company but, if they don't currently offer some kind of online rent payment option, they are a bit behind the times ;).  But I know that bigger operations can sometimes move slower.  If they do set something like that up, they'll wonder why they didn't do it sooner, lol.  It definitely doesn't hurt to ask them!  
    Honestly, I really didn't know it was an option at all, on any end until recently.  I think I had been googling or looking at options to work on my credit score and these services came through on an ad.  So, I've never really asked them b/c if they don't have one, i wanted to be able to say, "Well here you go!!! Lookit what I found out for you!!!"  :D  Just hadn't followed up yet and then when i did start looking, there wasn't a lot of info/reviews for me to find.  So, your knowledge of Cozy makes me feel a lot better, b/c o the personal experience and the length of time.
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  • short+sassyshort+sassy member
    Knottie Warrior 10000 Comments 500 Love Its 5 Answers
    @VarunaTT, and to give Cozy some props, their website is pretty thorough in explaining everything.  For either landlords or their tenants.

    It's really user-friendly also.  It took me about 15 minutes to initially set up my account and then it's about 5 minutes to enter a tenant's info, when they have expressed an interest.  Cozy then sends an invite to the tenant's e-mail address.  I've never seen it on the tenant's end, but I'm assuming it is equally quick for them to set up.

    The tenant can either set the rent payment up to be an automatic deduction on a particular date each month or they can log in each month and hit a "pay" button.  The money comes out of their account they've designated and gets automatically deposited into mine.

    From my end, I can see the date/time a tenant made their payment, even if it takes a few days to hit my account. 
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