3 months ago I knew nothing about LED lighting. Show designer wanted LED lights so I leaned quickly.

Configuration.

There are 15 pole lights using BTF-Lighting FCOB COB LEad strip lights, WS2814 Smart IC RGBW 600K 24 volt light strips. Each pole contained 35 LED's behind diffusers. This configuration allowed us to just roll props in place with no wiring required

Each had a GLEDOPTO GL-C-017-WL-D controller running WLED 15.4 and a 24 volt 25 volt 10400mAh DC battery.

Octagon used the same LED lights with 8 GLEDOPTO GL-C-016-WL-D controllers with 42 LED's per octogon. Not diffuser, just zipped tied to the top of the prop. Power was from a 24 volt AC to DC power adapter.

Also ran 1 GLED

Running 24 GLEDOPTO GL-C-017WL-D controllers running WLED 15.4 with FCOB WS2814 IC RGBW LED Strip. 23 of the strips have a length of 35 and 1 has no lights attached to it.

when running 15 of them typically have a 24 volt 10 ah battery running attached to each one. 8 of them have 24 volt 5 amp power supplies. When working on configurations. setting up what I want to run, the battery operated ones are on a 24 volt 15 am power supply.

The reason for this unusual configuration is the lights must be moveable, set in place, run for 7 and half minutes then removed from display location.

Router used for setting scenes is different than one used for the 7.5 minutes and never had issues.

was tryi

So it appears they are wanting to sell the governments 80 percent interest in Fannie Mae and Freddie Mac before the elections. I cannot imagine doing the largest offering in History during economic times like these. I think this will cause turmoil in the mortgage bond market and cause havoc but that is just an opinion.

Fannie Mae and Freddie Mac head for the exit as COVID-19 rages

Even if you do make your payments after requesting a mortgage forbearance, the GSE's cannot do a mortgage with you for one year. All it takes is for it to be noted in your credit Report and the law does not permit them to purchase your loan for 1 year.

Fannie-Freddie forbearance rule sows fears of mortgage hangover

As you know there have been a lot of post about SL deferment dropping credit scores on here. It is now being reported that the reason for the CARES act student loan deferment lowering credit scores has been explained. In the CARES act it was mandated that it not be reported as a deferment to the credit bureaus but it did.

The CARES act was passed to close to the date they report each month to the credit bureaus so they did not have time to reprogram the system and the data went out.

It was supposedly fixed and the new monthly reports to the credit bureaus went out today removing the comment on credit reports. It may take a while to work its way through the system but things should return

Have the above error code and door will not unlock. Any idea on how to clear the error code and/or unlock the door?

Unplugging does not help.

HELP!! Clothes trapped and bus is leaving!

The 10th circuit ruled that under the Fair Credit Billing Act (FCBA) banks do not have to honor charge backs if balance has been paid. Source

In interpreting this provision, both courts found that the amount of “credit outstanding” is the amount that the cardholder has withheld from the card issuer. Because Hasan had paid his bill in full, he had no “credit outstanding” and, therefore, no claim left against either bank.

There were some other issues in this but those regarded time from charge to claim. Do we now need to keep this mind when doing a charge back.

IRS warned about a new tax scam where people are using the people actual real data to file taxes, right down to the potential victims own bank account number.

Will wait for refund to arrive then call saying the debt collectors for the IRS and have the victim forward the money to them.

Source of data thought to be Tax Preparer offices

Article

If you have purchased a OnePlus phone via OnePlus's website since November then you might want to call your card company. Source . This is actually good news because they had feared a credit card processor had been hacked.

Our Homeowners Association mostly takes care of lawn maintenance and the lakes, along with making sure the homes are kept up by the homeowners.

A new board was elected last year and they decided to undertake some major capital upgrades to the neighborhood. One of them should be done but one of them is unnecessary and benefits only 4 or 5 homes in the neighborhood. It makes there these homes worth much more while having no impact on the others. To pay for these improvements they raised the HOA assessment 67% in one year. They as a board have that right but then they pulled a quick one.

At the same meeting they voted to approve the 67% increase they voted on the location for the annual m

Apparently some unscrupulous Payday lenders have been making fake debts using their customers data and selling it to debt collectors. Then these debts keep getting sold to less and less honest debt collectors.

https://www.bloomberg.com/news/features/2017-12-06/millions-are-hounded-for-debt-they-don-t-owe-one-victim-fought-back-with-a-vengeance?

Credit score for long time PF members have a tendency to be higher than average as they tend to pay attention to these things. We also get posters who are trying to improve things and trying to turn things around.

How do you compare to those in the area where you live. WalletHub's 2017's Cities with the Highest & Lowest Credit Scores shows the average for your area.

Here is a link to article on new process

It appears that that an agreement between FICO and the 3 bureaus are going to restrict the number of Tax Liens and Civil Debts on credit reports. In order to be on your credit report it will be required to contain your name, address, date of birth and social security number.

Since many of these records come from Lexis Nexis mining of court records this will severely limit these. Many court records scrub social security numbers from publicly available records.

tax liens used to be a 10 blemish on your records so starting July 1st this wi

My wife just found out about a ticket issued in her name but she was at work at the time, we have proof. It is does have the license plate of one of our vehicles but it not a car my wife drives. Also the ticket is not signed by either the officer or the offending party.

Because we found out the same day it was due, after close of business, we had to pay it online to avoid suspension. No court date or location is given on the ticket and since it was 30 days past issue date we could not request a court hearing online.

How do we go about fighting this and getting court, or can we even do so since we paid it. We can prove she was at work at that time as there system tracks your work and has ti