My normal maximum budget for any week of racing is around $400, which I am comfortable with losing should I not hit a race. While I personally do not like to lose that much any week, the only other options are to bet less money or pass the races entirely. Playing less money will cause me to far short of my monthly and/or yearly goals and not playing at all is like the saying goes "You have to be in it for any chance of winning." On big race weekends, I will budget more, not to spread out my risk anymore, but to bet more of the better races and fuller fields that comes around only so often. Good Luck and hopefully you can knock down a big score which is so much more enjoyable than trying to nickel and dime the tracks to death (never works long term).
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Race 1: Maiden Special Weight --- Purse $90,000 --- 3 YOs & Up F&M ---- 6 Furlongs Turf:
2) Get Respect (8-1) is making her first start of the year. However, with maidens, they do not have to be the fittest a trainer can get them because most are not anywhere near their full potential until after a few races of experience. This one has 7 works for her first start this year, the first two were leg stretchers, the next four were decent and has the look of a trainer trying to get horse fit and the last work, 3 days before scheduled start, simply an exercise to keep her happy until race day. 3x5 to Storm Cat.
6) Quiescent (15-1) has started twice this year, setting the pace to the top of the stretch before tiring slightly to finish third while losing the photo finish at the wire to the Brown entry just above her, then setting the pace for a half before tiring badly in her last race which obviously her first start of year took enough conditioning out of her that she was still tire when entered back despite one average work after that first start (better known as a bounce). Now she has one good work, indicating she is not tired now and expect a rebound in this start. 5x5 to Mr. Prospector but also has a crossing influence to Never Bend through the dam line of Arch on her sire side and thru the 3rd dam, Stiff Breeze, a daughter. Fifth dam, Whirl Right, is a full sister to 1941 U.S. TC winner Whirlaway.
3) Roman Goddess (12-1) has started once this year and stumbled at the start which basically eliminated her from having any chance to impact the race. She has five more works since that effort and most of them were designed only to give her some leg stretching exercise. 4x4 to Mr. Prospector & Danzig.
10) Cindylouwho (15-1) has started 4 times this year, with 2 third place finishes in 5 furlongs grass sprints her only board finishes and the starts on dirt with little effort put into each race. She now has 3 placings in 4 lifetime attempts on grass and only needs to produce a race similar to any of them to be a major factor against these. She has what looks like two good works since her last, but both came on the Palm Meadows training track which is one of the fastest training tracks in the nation and those works are average at best. However, based off her actual races, she fits with these. 4x3 to A.P. Indy, 5(C)x5(C)x4(F) to Northern Dancer, 5x4 to Mr Prospector, 5x5 to Secretariat & Roberto.
My Risks: $8 WP 2, $5 Ex Box 2-6, $1 Tri Box 2-3-6, $.20 Super Box 2-3-6-10, $1 Super Key 2 with 3-6-10 with 3-6-10 with 3-6-10. Total Risk $42.80.
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Race 2: Allowance --- Purse $80,000 --- 3 YOs & Up F&M NY Bred N/W $18K 1x or N/W 2 Races Lifetime --- 7 Furlongs Turf:
8) Silver Skillet (10-1) has one start this year which he chased the early pace for 6 furlongs before tiring, which is a typical first start back for most front runners after getting five months or longer break. Trainer put one easy or leg stretching type work in her since that start simply because he already saw her speed was still there in works prior to her first start back. This will be her first start on grass in her career. See a likely gate to wire effort for her against these. 5(C)x5(F)x5(F) to Mr. Prospector.
6) Lisa's Vision (8-1) has started once this year where she sat mid-pack early edge herself up to the edge of being a serious contender into the stretch before flattening out and stalling. Again, this is a typical first start back for a horse with this running style and you should expect improvement this out. Her last two efforts just before the break in races with same class, distance, and surface, she was nearing an effort to move on to the next condition or better races. Trainer has put 5 more works in her since her last effort, an easy work followed by 4 decent to good works. If she gets a little help with a pressured early pace which she did not get in her first start back, she could easily win this. Contender. 5x3 to Storm Cat.
7)Royal Dancer (12-1) has one start this year where she was eyeing the early pace as two ahead of her duel for a quarter, then the leader shook free and open a clear lead, forcing this one to pick up the chase much earlier than preferred, but then chase the loose leader to the top of the stretch before tiring after breaking from the 12th post, a slot that has very little chance to win in NY grass sprints. Trainer has put 5 more works in her since that effort, mostly leg stretching type works but a couple that could prove very helpful, including a bullet work five days before this start. She has two NY bred stakes placings on grass before she broke her maiden. Has some talent. 4(C)x5(C)x5(F)x5(F) to Northern Dancer, 5x4 to Fappiano.
1)I'mhavingamoment (5-1) has four starts this year, the first race was a state bred stakes race which she was overmatched against coming off a maiden win, then finished second and then 2 thirds after a drop down in class and a slow rise back up into condition allowance in her last start while also her first effort on grass. Has two works since that last effort, a good work followed by a decent and useful work. 5x4 to Danzig, 5x5 to Cyane, 5(C)x5(F)x5(F) to Northern Dancer. Her 5th dam is U.S. Champion Filly, Tempted, who has a stakes race named in her honor for 3 YO fillies.
My Risk: $6 WP 6, $5 Ex Box 6-8, $1 Tri Box 6-7-8, $.30 Super Box 1-6-7-8, $1 Super Key 8 with 1-6-7 with 1-6-7 with 1-6-7. Total Risk: $41.20.
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Race 3: Pass on betting.
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Race 4: Allowance --- Purse $85,000 --- 3 YOs & Up N/W $18K 1x or N/W 2 lifetime --- 7 Furlongs:
4) Bezos (50-1) has started 4 times this year, has flashed front running speed in all of them but then tired badly. In his last start, he carried his speed further than he has all year long or since he was last in his best form. This type wins only when they can control the early pace and he looks like he found a spot where he can do just that. Most of these horses have not tried stakes races in their career but the few that have has done so against young 2 YOs or 3 YOs, except this one when he set the pace in a G3 and a listed stake race against proven older horses. In addition, he will carry light race in the field due to his jockey receiving a 7 lbs. apprentice break. May seen foolish but will take a shot with this one with the speed to top of the stretch angle I have used successful plenty of times.
9) Twelth Man (6-1) has started three times this year with a second in his first start his only board finish this year. However, his current form cycle began with his last start last year after a 7-month break and he returned in close to same physical form as when he was stopped on. After a couple of pretty good efforts, he had a couple of not so good efforts. He is working on his third race since a good effort, and this is an angle I read about years ago that suggested betting horses back in their third start after a win if next two starts were not as good as his winning effort, but tweaked this angle to include all horses that gave a solid effort because it worked more often that way and with higher odds than the third race after a win.
2) Shipsational (15-1) has started 4 times this year with a second in his third start back as his only board finish this year. Next two races were poor and would normally be enough to consider a horse has tailed off his best form. But he has 5 works since that last effort, all of them decent to good that were also likely very useful. His current form cycle began in October last year when he came off almost a 7 month break after a second and third effort in a G2 & G3 stake races that obviously knocked him off his best form.
My Risks: $5 Ex Box 4-9, $1 Tri Box 2-4-9, $2 Quinella 2-4, $2 Quinella 4-9. Total Risk $20.00.
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Race 5: Poker Stakes(G3) --- Purse $200,000 --- 4 YOs & Up ---- One Mile Turf:
3) Mackinnon (15-1) is making his first start of the year. Has six works to prepare for this start but also a trainer that brings his trainees back in top form often. 4x5 to Storm Cat.
1)Chez Pierre (1-1) threw easily a career best in last. A bounce candidate for sure. Under no circumstance would I accept 1-1 odds or less on a horse whose biggest win in the U.S. before his last race was a listed stake and has shown he is vulnerable against this class.
5) Anaconda (8-1) looks in best shape of the rest in a weak field for a G3 stakes race.
My Risk: $8 Exacta Straight 3-1, $1 Tri Box 1-3-5, $6 Tri Straight 3-1-5. Total Risk $20.00.
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Race 6: Brooklyn Stakes(G2) --- Purse $250,000 ---- 4 YOs & Up --- 1 1/2 Miles:
6) Forewarned (20-1) has five starts with one win and one third his placings this year. I normally try to find horses that run late in these marathon type races, and he looks like he maybe can though this far is a question mark for him like every other horse in this field.
11) Code Runner (50-1) was originally trained by Asmussen and showed a little ability but not enough to impact graded stakes races. Horse was eventually put in hands of a trainer that has shown no ability or idea of how to properly prepare or get a horse fit. So, his race record looks much worse than it should and in a race like this, anything can and usually does happen.
9) Calibrate (10-1) won a stakes race at this distance two back while finishing in front of a couple of these, then was kept wide by the jockey throughout in his last start when beaten by several of these (per equibase footnotes). Switch of trainers and two good works since his last start. Which one will show up today? Guess right and you could make a decent score.
7) Warrant (5-2) won his last start under a drive after stalking and putting only front runner away heading into the stretch. Will likely have more pace to run at in here, so if jockey times his move slightly later, he will have a better chance of holding the late runners safe. A move a little early, like his last, likely results in a board finish only. 3 works since his last start, an easy leg stretching type work followed by two good works suggests he will be antsy to go earlier than usual.
My Risks: $4 Exacta Box 6-11, $1 Tri Box 6-9-11, $.30 Super Box 6-7-9-11. Total Risk $21.20. (a wild guess).
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Race 7: Ogden Phipps S(G1) --- Purse $500,000 --- 4 YOs & Up F&M ---- 1 1/16 Mile:
1)Pass The Champagne (8-1) ran a monster type race when just getting caught at the wire by the eventual Ky Oaks winner in the Ashland Stakes in her very first start against winners two years ago. However, that race not only knock her off form, but she needed almost a year off after a dull effort in the Oaks, then won an O/C race in her only start before taking another year break. A typical scenario of being asked to do too much too soon. She has four starts this year but in her last start, she suggested she has returned to her best form. Two useful works since her last start and she is sitting on go. 3x4 to Mr. Prospector, 4(C)x5(C)x5(C) to Northern Dancer.
4) Secret Oath (2-1) has started three times this year, winning her first start and then just missing in both of her next two starts, finishing 2nd in each race. Her Ky Oaks win remains her only G1 triumph through she has placed 2nd or 3rd in six more G1 races, all in her last 10 starts. 4x3 to Fappiano, 5(C)x5(C)x4(F) to Mr. Prospector.
2) Search Results (4-1) has started once this year and finishing third after trying the length of the stretch to get by the top two with no results. She has three works since that start, a good work followed by two useful works. Complete outcross in her first five generations. However, 8th dam, Iron Maiden, a daughter of War Admiral, produced 1957 Ky Derby winner Iron Liege and is 2nd dam of 1955 Ky Derby winner, Swaps.
6) Clairiere (6-5) has started twice this year, finishing second in the first start and then turning the tables on that rival in their next start. Both again shows up for the next major test for older females and either one could win without it being a major shock. She has 5 works since her last start, 2 easy leg stretching type works followed by two good and useful works and then another leg stretching type work 6 days before scheduled start. 3x4 to Mr. Prospector, 5x5 to Northern Dancer.
My Risks $5 Ex Box 1-4, $1 Tri Box 1-2-4, $3 Tri Key 1 with 2-4 with 2-4, $2 Super Key 1 with 2-4-6 with 2-4-6 with 2-4-6. Total Risk $34.00.
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Race 8: Woody Stephens Stakes(G1) --- Purse $400,000 --- 3 YOs ---- 7 Furlongs:
2) Gun Pilot (20-1) has started five times this year with 1 win and 2 seconds his best finish. In his last start, lasix was removed from him for the second time and for the second time he ran a flat race, especially in the stretch but this time it was an even race where his late kick was missing. It will be interesting to see what he does when lasix is remove for the second race in a row for the first time of his career. He has four works since that start, an easy leg stretching work followed by 2 bullet 5 furlongs works then another blowout type work 5 days before his scheduled start. Sire, Gun Runner, was a late developer mostly because he was thrown against top competition that set him back a few months, but trainer has brought this one along more slowly and waiting for the light to click on for him. 4x3 to Storm Cat, 4x4 to Quiet American, 5(C)x5(C)x5(F) to Fappiano. His 5th dam, Ocean's Answer, is a full sister to Storm Bird who developed her own important line and is named a Reine-de-Course mare because of her influence on the breed.
13) Drew's Gold (8-1) has started four times in his career, winning all 4 starts, including 3 this year. Now, he will get the acid test to find out just how good he might be. Many of you probably do not know this trainer, but he started his training career in Southern California and a few years later was sending horses back & forth to compete in Florida and California. But he, like several others, closed their California barns due to workers compensation laws that cause many good barns to struggle, then practically disappeared for a decade before resurfacing again in Kentucky & then NY. He has one workout since his last start, a bullet work 10 days before scheduled start. Contender. 5x4 to Storm Bird, 5x5 to Northern Dancer, Secretariat, & Blushing Groom. His dam line traces back to La Troienne which simply means this is a dam line influenced by Domino as 10 of her 11 daughters and one son was bred to Domino line sires.
11) Victory Formation (10-1) has started 3 times this year, winning a listed stakes in his first start followed by a poor effort in a G2 stakes race and then leading until deep stretch before finishing 3rd in another listed stakes. However, if you look at the distance of all three races (1 mile, 1 1/8 mile and 1 1/8) and then you look at his dam line, you will see his problem. His 2nd dam is a daughter of a solid sprinter and good sprinting sire, 4th dam, White Jasmine, is a granddaughter of Crimson Satan and his 6th dam, Sister Satan, is a 1/2 sister to Crimson Satan. Crimson Satan hails from the Domino sire line who was best known by how fast he was sprinting. He has four works since his last start, the first two good works followed by 2 decent works where trainer looked intent on trying to get him to rate by slowing his works down, something he did for the first time. 5x3 to Mr. Prospector, 5x5 to In Reality, 5(C)x5(C)x5(F) to Seattle Slew.
4) General Jim (7-2) has started three times this year, finishing unplaced in his first start though blocked most of the stretch run, then winning his next two starts in a G3 and then a G2 stakes races. He has three works since his last start, a leg stretching type work, then a good work, followed by another leg stretching type work six days before scheduled start. Looks as ready as any in here to me. Outcross in his first 5 generations but has plenty of Mr. Prospector & Northern Dancer influences on both sides.
My Risks: $5 Ex Box 2-13, $1 Tri Box 2-11-13, $.30 Super Box 2-4-11-13, $1 Super Key 13 with 2-4-11 with 2-4-11 with 2-4-11. Total Risks $29.20.
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Race 9: Jaipur Stakes (G1) --- Purse $400,000 ---- 3 YOs & Up --- 6 Furlongs Turf:
5) Dr, Zempf (8-1) has started twice this year with his first start being a win in an O/C race on a GP turf course that played much faster this year than normal. Then tried G1 stakes company in his next out, set most of the pace to the top of the stretch before tiring at one mile on Keeneland's grass course. Believe he will enjoy the cutback to 6 furlongs. 3x4 to Machiavellian but sire line and broodmare sire line flows back into Northern Dancer.
13) Front Run The Fed (30-1) has started once this year in an allowance race, was near the back early, then started his rally soon after a half was complete and came with a rush in the stretch and was up and clear in time for the win. Has two leg stretching type works since that start. The stretch-out to six furlongs should suit him even more but will need to avoid trouble for best opportunity. 4x4 to Rahy, 4x5 to Mr. Prospector, 5x5 to Roberto.
10) Big Invasion (6-1) has two starts this year, winning his first start in a listed stakes at 5F on grass, then finishing unplaced in a G2 stakes race at 5 1/2 furlongs on grass but had trouble near the eight pole that likely caused him a better finish. Has 2 decent and useful works since his last start. 5x4 to Mr. Prospector. His 5th dam, Really Blue, is an unraced full sister to 1969 G1 Ky Derby & Preakness winner Majestic Prince and 2nd dam of 1998 Ky Derby & Preakness winner, Real Quiet.
6) Ice Chocolat (30-1) has three starts this year, the first to at 5 1/2 furlongs on grass and he finished unplaced in both of them, then switched to the AWT and stretched out to six furlongs when he edged closer to the leaders in the stretch run but a closing late kick was lacking. Now his fourth start of the year and one good work since his last start should help him find that needed punch late. 4(C)x5(C)x5(F) to Northern Dancer, 5(C)x4(F)x 4(F) to Mr. Prospector, 5x5 to Special.
My Risk $5 Ex Box 5-13, $ 1 Tri Box 5-10-13, $.30 Super Box 5-6-10-13, $1 Super Key 5 with 6-10-13 with 6-10-13 with 6-10-13. Total Risk $29.20.
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Race 10: Metropolitan H(G1) --- Purse $1,000,000 --- 3 YOs & Up One Mile:
6) Zandon (5-1) has started once this year and finished second in what obviously trainer considered a prep for this start. The total purse for that race was $175K and no real help in raising a stallion's value, the purse for this race is $1M along with a likely raise in a stallion's value. He has three decent to good works since that effort and follows exactly the type of works he put in the horse before that race. 4x5 to Mr. Prospector.
2) Slow Down Andy (10-1) is making his first start of the year. He has 8 works to prepare for this start, the first 2 blowout type 3 furlongs works followed by 3 4 furlongs works that were simply leg stretching type works then a good 5 furlongs work and 2 good six furlongs works, none of them too fast to suggest he may leave his race in his works but not too slow to get no help from them. For reference, you can look how he brought Goldencents back off a 7-month break after winning the previous year BC Dirt Mile and finished 2nd to Palace Malice in the Met Mile. The favorite beat him last year in the BC Dirt Mile but his trip in the race (stumbled at the start, then became rank when rushed) before heading to biggest race of his life was a major reason why and usually knocks top horses off their best form. 5x4 to Mr. Prospector.
1)Cody's Wish (7-5) has made one start this year and made it a decisive win in a G1 stakes but everything in there were not of G1 quality except him which made an average win look like a romp. These are much tougher and trainer is acting concerned by how fast he has worked the horse since that race. 3 blistering fast works. Normally, horses that works this hard in works are tosses for me but I have not seen Mott put these types of works into his trainees in decades (thought he learned the hard way that super-fast works rarely works). He might run away and hide but the opposite happens way more than not. Am using caution. 3(C)x5(F)x5(F) to Mr. Prospector.
My Risks: $5 Ex Box 2-6, $3 Tri Straight 2-6 with 2-6 with 1, $5 Tri Key 6 with 1-2 with 1-2. Total Risk $26.00.
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Race 11: Manhattan Stakes(G1) --- Purse $750,000 --- 4 YOs & Up --- 1 1/4 Mile Turf:
3) Warren Point (5-1) has one start in the U.S. this year where he was near the back early closed with a rush and taking a brief lead into the stretch before hanging and dropping back to fifth at 3-5 at 1 3/8 mile on the grass. Horse has shown he would much prefer the 1 1/4M distance as all 4 of his grass wins have come at that distance and his one 1 1/2-mile win was on the AWT. He has three works since that start, a leg stretching type work on dirt followed by two bullet works on grass around the dogs. 4x4 to Mr. Prospector, 5x5 to Northern Dancer, but also has a crossing to Never Bend through his grandsons Shirley Heights and Irish River.
10) Highest Honors (20-1) has one start this year where he was near the back early, was in a grind mold throughout the race but never really reach serious contention to finish 4th. Trainer has put 11 works in him, the first 5 works a little faster than he normally puts into his trainees, then gave the horse 13 days before returning to the work tab for six more weekly works, all of them good and decent though again faster than what he usually asks from his trainees. Likely as ready as he can be without a race in between some of these works. 4(C)x5(C)x4(F) to Mr. Prospector, 5x3 to Northern Dancer.
5) Soldier Rising (12-1) has one start this year where he sat mid-pack early, then eased back to last nearing the far turn while he waited for others to offer their best move, then came with a rush down the stretch to finish 2nd though no threat to winner who got away while he waited. Has 2 works since that race, a bullet work followed by a leg stretching work 6 days before scheduled start, both on grass around the dogs. 3x4 to Sadler's Wells & Danehill, 4(C)x5(C)x5(F)x5(F) to Northern Dancer, 5x5 to Special.
1)So High (50-1) has three starts this year and has not placed yet this year though he has carry his speed to the top of the stretch in each race. This race is lacking on front runners who has shown ability to beat good horses but this one will likely be the last one to stop. He has run respectable in a G1 stakes race last year at 1 3/8 miles but was never going to beat Channel Cat who won several big G1 grass stakes in his career. 4x5 to Northern Dancer, 5x5 to Northern Dancer.
My Risks: $5 Ex Box 3-10, $1 Tri Box 3-5-10, $.20 Super Box 1-3-5-10, $.60 Super Key 3 with 1-5-10 with 1-5-10 with 1-5-10, $6 Super Straight 3-10-5-1. Total Risk $30.00.
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Race 12: Belmont Stakes(G1) --- $1,500,000 --- 3 YOs --- 1 1/2 Mile:
1)Tapit Shoes (20-1) Has three starts this year, the first two in o/c races where he finished 4th, then 3rd and then finished 2nd (by a head) in a stakes race at OP that offered an all fees paid to the winner to enter the Preakness S. But before that start, trainer had him under consideration for a start in the Blue Grass S by working him three times at Keeneland including on the day of the race but opted to wait while he tried to qualify Verifying for the derby. He worked again on Lexington Stakes Day which suggests that race was also under consideration before deciding on the race he did race in. Since that near miss, he has 4 more good works and this horse is sitting on a big effort. 4(C)x5(C)x5(F)x5(F) to Mr. Prospector but has a Seattle Slew crossing in the sire line and as grandsire of the 4th dam, Trithenia.
7) Hit Show (10-1) has started three times this year, winning a G3 stakes in his first start, then missing a G2 win by a nose when second followed by a fifth in the Ky Derby after getting caught in the melee near the rail turning into the stretch. Has three works since that start, a leg stretching type work followed by a good work and them another leg stretching type work one week before scheduled start. 4x5 to Fappiano, 5x5 to Mr. Prospector.
8) Angel Of Empire (7-2) has three starts this year, finishing 2nd in a listed stakes then winning his next 2 starts in a G2 and a G1 stakes races following by a fast closing third in the Ky Derby. He has three works since his last start, a useful work followed by two very good works but not too fast that it takes anything out of him. 4x5 to Miswaki, 5x4 to Mr. Prospector.
3) Tapit Thrice (3-1) has 4 starts this year, winning his first three starts in an o/c race, then a G3 win followed by a G1 win. In his last start in the Ky Derby, he was never able to get involved because his Blue Grass win caused him to use to much fitness trying to catch a speed type on Keeneland's notorious speed favoring track. A blunder his trainer makes almost every year that has caused him several derby wins. He has three works since that race, a useful one followed by a good work and then a leg stretching type work one week before scheduled start. 3x4 to A.P. Indy & Unbridled.
My Risks: $5 Ex Box 1-7, $1 Tri Box 1-7-8, $4 Tri Key 1 with 7-8 with 7-8, $.30 Super Box 1-3-7-8, $1 Super Key 1 with 3-7-8 with 3-7-8 with 3-7-8. Total Risk $37.20.
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Race 13: Allowance --- Purse $80,000 ---- 3 YOs & Up NY Bred N/W $18K 1x or N/W 2 Lifetime --- 1 1/16 Mile Turf:
9) Curly Larry And Mo (8-1) has started three times this year and has not placed. However, all three starts came against open bred and he should relish the return to NY bred foes. He has no works since his last race but expect him to set the early pace and play a catch me if you can game, much like he did in last year's one mile BC Juvenile Turf S. Complete outcross in his first 5 generations but has a Caro crossing in the sire line and in the broodmare sire line as sire of the dam of Maria's Mon, who is the broodmare sire. Also has Crafty Admiral influence through Danzig and Crafty Admiral himself as the sire of the 4th dam, Won't Tell You, dam of Affirmed.
6) Mighty Atlas (30-1) has started twice this year, the first in a state bred o/c race where he trailed for a half mile then put in a run to get into contention into the stretch but could not chase down the gate to wire winner at one mile on dirt. Next start was in a state bred allowance, also at one mile on dirt, he never got involved after two works just before that race were on the dull side also, indicating he regressed slightly off that first effort. Now has two more works since his last start, a good work followed by a leg stretching but useful work and will now make the first grass start of his career. Good shot at upsetting this field. 5x2 to Capote with crossing help from the influential broodmare Alanesian.
8) Barrel Of Quests (15-1) has started twice this year, the first which he made a move to get into contention going into the far turn but had no further response in his first start in seven months in an open bred condition allowance race, as should be expected. He then shipped back to NY and was entered in a state bred allowance and cut back to a mile on grass when he ran an even race but again had no response in the stretch run. Will likely keep moving forward and is not far off his best race, so any improvement off his last likely results in a board finish. Complete outcross in his first 5 generations but has plenty of Domino blood on both sides of pedigree.
2) Let's Go Big Blue (4-1) will be making his first start of the year. However, last year, hew broke his maiden in his first start, then his next three starts came against open bred stakes horses, and he held his own in the first two before by far the worst race of his career when blinkers were added. That last experience did not help, and trainer will remove the blinkers for this start, and he will go with first time lasix. He has six works for this start, the first 4 were leg stretching type works followed by 2 good works. Will be tough to deny if he comes back anywhere close to the fitness he had when he took a break. 4x4 to Al Hattab.
My Risks: $5 Ex Box 6-9, $1 Tri Box 6-8-9, $.30 Super Box 2-6-8-9, $1 Super Key 6 with 2-8-9 with 2-8-9 with 2-8-9. Total Risk $29.20.
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Race 5 $3 Triple Play: 3 with 5-10 with 3-10. Total Risk $12.00
Race 7 $1 P6: 1 with 2 with 5,10 with 2,6 with 3 with 1,7. Total Risk $8.00.
Race 8 $.50 Mandatory P5: 2 with 5,10, with 2,6 with 3,10 with 1,7. Total Risk $8.00.
Race 9 $.50 Late P5: 5,10 with 6 with 3 with 1,7,8 with 2,6,9. Total Risk $9.00.
Total Risks All Bets: $397.00.

Delete if not allowed. I didn't get much luck over in creditcards (no one responded) so seeing suggestions here! I used the template over there to discuss our situation, looking for opinion on replacement card.
CREDIT PROFILE

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• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 250.00
  • * Groceries $: Costco: $800 (only take MasterCard in Canada) Sobeys: $200
  • * Gas $: $200.00
  • * Travel $: All Inclusive Vacation - $620.00 per month - Hotels - $50 per month
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $ Shaw Internet - $90/mo - Costco other spend: $300/mo,
  • * Any other significant, regular credit card spend you didn't include above?: $ No
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ Mortgage, and No we cannot.

Our average credit card spend is $3,000/mo, paid off fully at the end of each month. Only recurring bills come out of the normal bank account, all other spend on the credit card.
MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: No
• * Current Verizon postpaid customer?: No
• * Current member of Costco or Sam's Club? Yes
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? Disney + (annually) and Apple TV +(monthly) and FuboTV (annually)
• * Current member of Chase, US Bank or any other big bank?: Royal Bank of Canada
• * Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy) No

PURPOSE

• * What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards)
  
  • * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? We currently have westjet bmo mastercard and I hate it. You cant fully utilize it like it says, and if an emergency hotel usage comes up the points are only good for flights, and we don't fly that much, it was a poor choice.
• * Do you have any cards you've been looking at? Nope, but really mixed feelings because of consistent costco spend and whether it trumps having a mastercard over visa because of it.
  

CREDIT PROFILE

• BMO World Elite Mastercard Opened: July 2021 Limit: $15,500.00
  
• Neo Mastercard - Opened July 2022, Limit: $5,000.00
  
• 840 - this was from Credit Karma, I am confused what FICO is in Canada.
  
• 2 years
  
• * Number of personal credit cards approved for in the past 6 months:
  
• * Number of personal credit cards approved for in the past 12 months: 1
  
• * Number of personal credit cards approved for in the past 24 months: 2
  
• * Annual income $: 125,000
  

CATEGORIES

• * OK with category-specific cards?: Yes if it works out
• * OK with rotating category cards?: No
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 250.00
  • * Groceries $: Costco: $800 (only take MasterCard in Canada) Sobeys: $200
  • * Gas $: $200.00
  • * Travel $: All Inclusive Vacation - $620.00 per month - Hotels - $50 per month
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $ Shaw Internet - $90/mo - Costco other spend: $300/mo,
  • * Any other significant, regular credit card spend you didn't include above?: $ No
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ Mortgage, and No we cannot.

Our average credit card spend is $3,000/mo, paid off fully at the end of each month. Only recurring bills come out of the normal bank account, all other spend on the credit card.
MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: No
• * Current Verizon postpaid customer?: No
• * Current member of Costco or Sam's Club? Yes
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? Disney + (annually) and Apple TV +(monthly) and FuboTV (annually)
• * Current member of Chase, US Bank or any other big bank?: Royal Bank of Canada
• * Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy) No

PURPOSE

• * What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards)
  
  • * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? We currently have westjet bmo mastercard and I hate it. You cant fully utilize it like it says, and if an emergency hotel usage comes up the points are only good for flights, and we don't fly that much, it was a poor choice.
• * Do you have any cards you've been looking at? Nope, but really mixed feelings because of consistent costco spend and whether it trumps having a mastercard over visa because of it.
  

Below are the top headlines we’ve been reporting this whole week on Cyber Security Headlines.
If you’d like to hear and participate in a discussion about them, the CISO Series does a live 20-minute show every Friday at 12:30pm PT/3:30pm ET. Each week we welcome a different cyber practitioner to offer some color to the week's stories. Our guest this week is Joshua Scott, Head of Security and IT, Postman.
To get involved you can watch live and participate in the discussion on YouTube Live or you can subscribe to the Cyber Security Headlines podcast and get it into your feed.
Here are the stories we plan to cover:
AI-automated malware campaigns coming soon, says Mikko Hyppönen Cybersecurity pioneer Mikko Hyppönen began his cybersecurity career 32 years ago at Finnish cybersecurity company F-Secure, two years before Tim Berners-Lee released the world’s first web browser, and is now the chief research officer at WithSecure. In an interview with CSO Online. He states it is “mandatory for the cybersecurity industry to embrace AI technology…It will only be a matter of months before malicious threat actors use widely available AI source code to perfect their techniques for complete automation of malware campaigns.” (CSOOnline)
US research agency examines cyber psychology to outwit criminal hackers A new project at the Intelligence Advanced Research Projects Activity — the U.S. intelligence community’s moonshot research division — is trying to better understand hackers’ psychology, discover their blind spots and build software that exploits these deficiencies to improve computer security. “When you look at how attackers gain access, they often take advantage of human limitations and errors, but our defenses don’t do that,” Kimberly Ferguson-Walter, the IARPA program manager overseeing the initiative, told CyberScoop. Dubbed Reimagining Security with Cyberpsychology-Informed Network Defenses or “ReSCIND,” the IARPA initiative is an open competition inviting expert teams to submit proposals for how they would study hackers’ psychological weaknesses and then build software exploiting them. (CyberScoop)
Barracuda urges customers to replace vulnerable appliances immediately Following up on a story we covered last week, enterprise security company Barracuda has now warned its customers against using email security gateway (ESG) appliances impacted by a recently disclosed zero-day exploit and to replace them immediately. A patch for the vulnerability, which has been exploited since October 2022, had been issued by Barracuda last month to stop the exploit from allowing ESG backdooring. “The vulnerability existed in a module which initially screens the attachments of incoming emails,” the company had said previously. “No other Barracuda products, including our SaaS email security services, were subject to the vulnerability identified.” (CSO Online)
Clop blamed for MOVEit attack Microsoft’s Threat Intelligence team attributed the recent attack against the popular managed file transfer platform to the Clop ransomware organization. It found the zero-day used in the attack followed similar behavior observed with Clop in the past. The attacks used a vulnerability to deploy crafted webshells on servers, providing access to files and credentials. Bleeping Computer and various security researchers observed attacks in the wild with this exploit over Memorial Day weekend. No word on any ransom demands yet. Clop previously used vulnerabilities in the Accellion FTA and GoAnywhere MFT in the past. (Bleeping Computer)
New ChatGPT attack technique spreads malicious packages Vulcan Cyber's Voyager18 research team described the discovery in an advisory published this week. Based on their proof of concept, researcher Bar Lanyado said the team identified a new malicious package spreading technique they called "AI package hallucination." The technique involves posing a question to ChatGPT, requesting a package to solve a coding problem, and receiving multiple package recommendations, including some not published in legitimate repositories. By replacing these non-existent packages with their own malicious ones, attackers can deceive future users who rely on ChatGPT's recommendations. (InfoSecurity Magazine and Vulcan Cyber)
Google Workspace gets passkeys Google added passkey support for Workspace admins, meaning they can now enable users to sign in to either a Workspace or Google Cloud account using a passkey, no password required. By default, Workspace accounts will still require a password. But even when not allowing passkeys as a sign-in, organizations can still enable them for 2FA. Back in December, Google added passkey support in Chrome, and last month it added passkey login support for standard accounts. (The Verge)
1Password launches its public passkey beta Password manager 1Password has launched its public beta for passkeys, which will allow users to replace passwords with authentication systems built into their devices. 1Password users can now create, store, and share passkeys for supported websites by installing the 1Password beta browser extension for Chrome, Edge, Safari, Firefox, or Brave. Passkeys can only be created for websites and services that have rolled out their own passkey support. 1Password users will be able to vote on which sites and services they’d like to support passkeys. While it won’t guarantee those platforms will integrate passkey support, the hope seems to be that developers will be motivated to add the feature due to popular demand. (The Verge)
Verizon releases its annual Data Breach Investigations Report (DBIR) On Tuesday, Verizon issued its 2023 Data Breach Investigations Report (DBIR). The report revealed that three-quarters of data breaches over the last year (74%) involved the human element, caused by employees falling for social engineering attacks, making errors, or using their access maliciously. Credentials accounted for seventy-six percent of the data compromised in social engineering attacks followed by internal organizational information (28%) and personal data. Finally, the report noted that ransomware events held steady accounting for about a quarter of overall incidents, however the median cost of a ransomware attack doubled since the prior year. Verizon noted that in order to rein in these key trends, organizations need to focus on employee security hygiene, implementing true multifactor authentication, and collaboration across organizations to share threat intelligence. (Dark Reading)
SEC drops cases due to data protection failures The US Securities and Exchange Commission dismissed 42 cases due to its staff access documents only intended for judges. This came after a review that began back in April 2022, when it disclosed two other cases that broke similar legal rules. Due to insufficient safeguards within the agency, staffers could download restricted databases and share access through internal memos. The SEC said it found “no evidence that the control deficiency resulted in harm to any respondent or affected the Commission’s adjudication in any proceeding.” (The Register)

Top 5 Updates of the Week:

• Instagram shared how their algorithm works. Spoiler: It’s 90% their 2021 blogpost with minor changes.
• Snapchat My Snap AI: Users now have ability to send & receive AI generated images.
• Reddit’s new usage based API pricing will impact many third-party apps.
• Meta tests removal of news content in Canada in response to Online news act.
• Pinterest first platform to share their calendar for pride month & latest events.

Google:

• June 2023 Google Webmasters Report.
• Google rolling out multiple featured snippets feature on Desktop search.
• Google now treats .ai domains as generic Top-domains.
• Google search console insights adds your growing content report.
• Google modifies shopping ads policies to enhance transparency.
• Google Search console performance report was delayed by 65+ hours this week due to an error.
• Google Bard can now provide more precise local results.

Tiktok:

• Mexico city signs up a deal with TikTok to support small business marketing.
• Tiktok launches #ForYourPride for content creation around Pride month.
• Tiktok’s 10-minute recording option within the app is back for many users.
• TikTok accused of storing sensitive Creator Data in China.

Instagram

• Instagram tests new user control for recommended posts & transparency tool.
• The logo for Instagram’s Twitter rival App is now revealed in a leak.
• Instagram announces video scrubbing feature for IG reels.
• Instagram shares a format guide for all Meta Ads Platform.

Meta :

• Meta never gave up on metaverse, Meta Quest 3 coming this fall and price decrease for Quest 2.
• Meta found liable as court blocks firing of moderators.
• WhatsApp launches a security hub to showcase user control options.

Twitter:

• Twitter loses two executives in-charge of Safety & Trust on the platform.
• Twitter leaves EU voluntary code of practice against disinformation.
• Ben & Jerry’s leave Twitter Advertising over Hate speech.
• Twitter’s working on hide your likes tab option.
• Twitter ignoring hate speech created by Twitter Blue subscribers.

YouTube:

• Youtube reverses misinformation policy to allow US election denialism.
• MrBeast tags big streaming services and pitches his idea of new Game Show.
• Viral Nation’s new product to protect companies from copyright issues.
• Youtube adds 5.1 Surround Sound & announces new YPP terms.

Agency News:

• Dentsu sees 2023 Ad spending up 3.3%.
• WPP partners with Nvidia to build an AI content engine.
• Zoom apps marketing chief Janine Pelosi exists.
• Ogilvy Africa introduces InfluenceO, an Influencer marketing solution for Africa.

LinkedIn:

• LinkedIn launched a new playbook for SaaS companies marketing on the platform.

Snapchat:

• Snapchat launches AR Learning hub for individuals with growing interest in AR world.
• Snapchat launches sheen camera filter to Encourage LGBTQ+ creators to share their story.

Reddit:

• Reddit’s main share holder cuts down its valuation in the platform by 41%.
• Many Sub-reddits are protesting on 12th June against new API pricing changes.

Advertising:

• Heinz Debuts First Global Campaign in 150 Years.
• Unilever pledges over 70% of Ads will have disabled representatives behind the scenes.
• Fentiman creates world’s longest Advert with an 168-hour film, woah.
• New Created Campaign from Wendy with T-pain is blasting.

Microsoft

• Bing chat increases chat turns, adds visuals to travel queries and expands Bing Image creator.
• Microsoft teams on Windows 11 gets discord-like communities and AI tools.
• Bing Chat adds Anchor text hyperlinks within answers.
• Microsoft introduces insights for Universal Event tracking Tags.

AI:

• Brands are asking Influencers to utilise AI tools to improve their content practices.
• Search Engine Land launched their own AI Chatbot based on 20,000+ previous blogs.

Pinterest:

• Julia Brau Donnelly to join Pinterest as Chef Financial Officer.
• Pinterest publishes new research on how positivity drives actions at event stage of the shopping journey.

Marketing:

• BeReal is testing BeRealChat for direct messaging options.
• Peloton goes through a rebrand, trying to recapture its audience.
• Verizon owned Visible Brand launches a new show with creator group “Old Gays”.
• Oracle removes social sharing tool “Add this”.

What are your thoughts on these recent updates? You can subscribe to the weekly newsletter (link in bio) to receive these updates every week.

Top 5 Updates of the Week:

• Instagram shared how their algorithm works. Spoiler: It’s 90% their 2021 blogpost with minor changes.
• Snapchat My Snap AI: Users now have ability to send & receive AI generated images.
• Reddit’s new usage based API pricing will impact many third-party apps.
• Meta tests removal of news content in Canada in response to Online news act.
• Pinterest first platform to share their calendar for pride month & latest events.

Google:

• June 2023 Google Webmasters Report.
• Google rolling out multiple featured snippets feature on Desktop search.
• Google now treats .ai domains as generic Top-domains.
• Google search console insights adds your growing content report.
• Google modifies shopping ads policies to enhance transparency.
• Google Search console performance report was delayed by 65+ hours this week due to an error.
• Google Bard can now provide more precise local results.

Tiktok:

• Mexico city signs up a deal with TikTok to support small business marketing.
• Tiktok launches #ForYourPride for content creation around Pride month.
• Tiktok’s 10-minute recording option within the app is back for many users.
• TikTok accused of storing sensitive Creator Data in China.

Instagram

• Instagram tests new user control for recommended posts & transparency tool.
• The logo for Instagram’s Twitter rival App is now revealed in a leak.
• Instagram announces video scrubbing feature for IG reels.
• Instagram shares a format guide for all Meta Ads Platform.

Meta :

• Meta never gave up on metaverse, Meta Quest 3 coming this fall and price decrease for Quest 2.
• Meta found liable as court blocks firing of moderators.
• WhatsApp launches a security hub to showcase user control options.

Twitter:

• Twitter loses two executives in-charge of Safety & Trust on the platform.
• Twitter leaves EU voluntary code of practice against disinformation.
• Ben & Jerry’s leave Twitter Advertising over Hate speech.
• Twitter’s working on hide your likes tab option.
• Twitter ignoring hate speech created by Twitter Blue subscribers.

YouTube:

• Youtube reverses misinformation policy to allow US election denialism.
• MrBeast tags big streaming services and pitches his idea of new Game Show.
• Viral Nation’s new product to protect companies from copyright issues.
• Youtube adds 5.1 Surround Sound & announces new YPP terms.

Agency News:

• Dentsu sees 2023 Ad spending up 3.3%.
• WPP partners with Nvidia to build an AI content engine.
• Zoom apps marketing chief Janine Pelosi exists.
• Ogilvy Africa introduces InfluenceO, an Influencer marketing solution for Africa.

LinkedIn:

• LinkedIn launched a new playbook for SaaS companies marketing on the platform.

Snapchat:

• Snapchat launches AR Learning hub for individuals with growing interest in AR world.
• Snapchat launches sheen camera filter to Encourage LGBTQ+ creators to share their story.

Reddit:

• Reddit’s main share holder cuts down its valuation in the platform by 41%.
• Many Sub-reddits are protesting on 12th June against new API pricing changes.

Advertising:

• Heinz Debuts First Global Campaign in 150 Years.
• Unilever pledges over 70% of Ads will have disabled representatives behind the scenes.
• Fentiman creates world’s longest Advert with an 168-hour film, woah.
• New Created Campaign from Wendy with T-pain is blasting.

Microsoft

• Bing chat increases chat turns, adds visuals to travel queries and expands Bing Image creator.
• Microsoft teams on Windows 11 gets discord-like communities and AI tools.
• Bing Chat adds Anchor text hyperlinks within answers.
• Microsoft introduces insights for Universal Event tracking Tags.

AI:

• Brands are asking Influencers to utilise AI tools to improve their content practices.
• Search Engine Land launched their own AI Chatbot based on 20,000+ previous blogs.

Pinterest:

• Julia Brau Donnelly to join Pinterest as Chef Financial Officer.
• Pinterest publishes new research on how positivity drives actions at event stage of the shopping journey.

Marketing:

• BeReal is testing BeRealChat for direct messaging options.
• Peloton goes through a rebrand, trying to recapture its audience.
• Verizon owned Visible Brand launches a new show with creator group “Old Gays”.
• Oracle removes social sharing tool “Add this”.

What are your thoughts on these recent updates? You can subscribe to the weekly newsletter (link in bio) to receive these updates every week.

Planning to go to a Verizon store tomorrow. I'm on my mother's family plan, what information should I get from her beforehand that'll allow me to transfer service to a new phone?

Setting up brand new iPhone for my son, purchased brand new unlocked from Apple store. Us mobile Sim using Verizon is installed. Why does this section say Verizon, is that normal? Is it because I'm using the Verizon towers Sim from us mobile?

I am in San Francisco and curious if I am alone in an intermittent connection issue.
Since about June 1st we have had unpredictable internet outages, to the point where both my wife and I have exhausted our hot spot data allowances. At first they went through all the usual things -- restart modem, factory restart, check cables, restart remotely. No change. Finally I requested a tech come out which was scheduled 3 days later. In the meantime, I get a call from the "Advanced Resolution Team" who ask me a series of questions and then say, "yeah you need a tech".
The tech arrives and took one look at my MoCA adapter and said "that's your problem right there!" and didn't consider anything else. Despite it having worked fine for 3 years. He said it causes "ingress problems" whatever that means, I could find nothing online saying it could be an issue.
He agreed to replace the modem, and I agreed to remove the MoCA and to go to Xfinity store for wifi extenders. But within 20 minutes of him leaving, it was back to intermittent connection. This time MoCA could not be a factor. I tried to reach the company and after endless chat sessions and doing the same remote diagnostics all over again, they agreed to send a tech 2 days later, which will now be tomorrow (6/9).
Last night it was extremely erratic, disconnecting every time we would use it for streaming.
Then just now I get a robocall saying "This is Comcast, technicians identified and corrected an issue related to your service problem, if you would like to cancel the appointment for tomorrow please call us...."
That's all they tell me? Yes, it's been working OK for the last couple of hours and I don't want to make a tech come here for no reason, but I would really like a better explanation than this. I can't get one from the chatbot. Was the MoCA a problem? Can I hook it up again? Was it unrelated? I think I deserve answers given the extreme inconvenience this has caused, we both rely on high speed internet for work every day, and we had to make a lot of changes this past week including unnecessary commuting and paying $70 to Verizon to increase our hot spot data.

I have been getting 6-10 scam calls from companies telling me my business listing needs to be updated on Google. I've heard Robokiller is a great app for that but there are a lot of reviews on the app store saying it blocks legitimate calls as well. Can anyone recommend a way to get them to stop calling? I've tried blocking numbers. Is there an app that you trust to block these spam calls? I have Verizon and an iPhone 13 Pro if that's relevant.

I'm pretty confused about something. Every place around the internet -- Tom's Guide, XDA, here on Reddit -- says that the GQML3 has mmWave for Verizon and the GVU6C does not. However, if I go to https://pixel.withgoogle.com/5G/ and go through U.S. -> Verizon -> "Pixel 7 - Unlocked on Google Store - Model GQML3" then it tells me "Verizon provides Sub-6 5G service for Pixel 7 Unlocked on Google Store Model GQML3."
If instead I choose the "Pixel 7 - Model GQML3, GVU6C" option it says "Verizon provides mmWave and Sub-6 5G services for Pixel 7 Model GQML3, GVU6C."
Is the Google site just combining the two models when saying which radios it supports? But the GQML3 model it explicitly does not include mmWave. Basically, the Google site seems to say the opposite of what every other site says. What am I missing here?

Hello all!
26 yr old mom. Received the “pre-approval for Cap1 Quicksilver” offer on the app. Should I go for it? Or just ask for an increase/upgrade? Looking to advance my very empty and sad credit profile. Reading these posts I realize I am not as good off as I thought I was. Turns out not using your credit is worse than over using. I’m not sure why my credit is considered “fair” when I have never missed a payment (in good standing on all thing on my credit report), and only have one credit card. The only things currently on my CR are student loans, and one charge off. A few hard inquiries as I purchased a car almost two years ago. Never missed , always early on payments.
TEMPLATE:
• * Current credit cards : Cap1 Plat Secured CC- Opened 9/22 200$ Limit , Never gone over 40% on statements and always paid IF before Due Date. Asked for a limit increase last month and was denied.
Told these were the best starter cards since I never had one and ran with it bc I didn’t wanna hurt my credit by applying for others.
• * FICO Scores): : Experian 673 (Their website) , Transunion 603 (CapOne Vantage Score)(, Equifax 627 Credit Karma)
• * Oldest credit card account age with you as primary name on the account: Only have the CapOne Secured. Always stayed away from CCs because of the bad stories
• * Number of personal credit cards approved for in the past 6 months: n/a
• * Number of personal credit cards approved for in the past 12 months:n/a
• * Number of personal credit cards approved for in the past 24 months:n/a
• * Annual income $: 64,800.00 Household. I hold 24000 approx of that
CATEGORIES
• * OK with category-specific cards?: Open to advice
• * OK with rotating category cards?: Open to advice
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
• * Dining $: 100
• * Groceries $: Groceries are being provided by state via SNAP on partners account
• * Gas $: Tend to get gas at Walmart twice a month so 45-50?
• * Travel $: None. Biggest travel expense is taking my 5yr old to daycare during working hours. Adds an extra 20 miles a day. I am also VFD so I leave my tank on full in case of calls etc
• * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
• * Any other categories : Amazon regularly maybe 80$ a month on the CC; Hobbys I sometimes put on it so 50$ ; Phone bill 35$ ---- Total: 165$? ish
• * Any other significant, regular credit card spend you didn't include above?: $ Not really. I tend to only use the card if I have the amount in checking or savings. All with Cap1
• * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $ No. I pay in cash.
MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)
• * Current member of Amazon Prime?: Use Parents account
• * Current Verizon postpaid customer?: No , Straighttalk
• * Current member of Costco or Sam's Club? Use friends/families
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? I do pay for Netflix, Peacock, Youtube and Spotify but they come out of my PP account.
• * Current member of Chase, US Bank or any other big bank?: No, just Cap1
• * Active US military?: No
• * Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy) Possibly ? I am due to inherit a Masonry Company that I currently run full time.
PURPOSE
• * What's the purpose of your next card (choose ONE)?: To build a better credit profile honestly. The only one I have ever had is Secured. And I would like the rewards
• * If you answered "first credit card", are you an authorized user on any other cards? Would be my first unsecured, so yeah. And no, contemplating asking my Dad to add me. He has about 200-300 Thousand in available credit between big banks and store cards.
• * Do you have any cards you've been looking at?
Yes. Just got the email for the “pre-approval” for being a loyal CapOne customer. I have never carried a balance over 40% and used the card responsibly. My credit profile as a whole consists of several student loans equating to about 25k and one charge of for 71$ from an old bank account that was literally stolen and charged halfway across my state. Bank refused to do anything about it and I was 18.
Will answer any questions you have so feel free if I left info out !

I’m a Verizon VPL and for 3 out of my 5 days from the start of my shift to the end i’m the only employee in mobile. All the other departments get 2-4 employees at all times. The other 2 my week I get a part timer who works 4 hour shifts. It’s getting incredibly stressful when only 2 other employees in the store know mobile but are too busy in their respected departments to even help. Is this the same thing at your guys store?

Top 5 Updates of the Week:

• Instagram shared how their algorithm works. Spoiler: It’s 90% their 2021 blogpost with minor changes.
• Snapchat My Snap AI: Users now have ability to send & receive AI generated images.
• Reddit’s new usage based API pricing will impact many third-party apps.
• Meta tests removal of news content in Canada in response to Online news act.
• Pinterest first platform to share their calendar for pride month & latest events.

Google:

• June 2023 Google Webmasters Report.
• Google rolling out multiple featured snippets feature on Desktop search.
• Google now treats .ai domains as generic Top-domains.
• Google search console insights adds your growing content report.
• Google modifies shopping ads policies to enhance transparency.
• Google Search console performance report was delayed by 65+ hours this week due to an error.
• Google Bard can now provide more precise local results.

Tiktok:

• Mexico city signs up a deal with TikTok to support small business marketing.
• Tiktok launches #ForYourPride for content creation around Pride month.
• Tiktok’s 10-minute recording option within the app is back for many users.
• TikTok accused of storing sensitive Creator Data in China.

Instagram

• Instagram tests new user control for recommended posts & transparency tool.
• The logo for Instagram’s Twitter rival App is now revealed in a leak.
• Instagram announces video scrubbing feature for IG reels.
• Instagram shares a format guide for all Meta Ads Platform.

Meta :

• Meta never gave up on metaverse, Meta Quest 3 coming this fall and price decrease for Quest 2.
• Meta found liable as court blocks firing of moderators.
• WhatsApp launches a security hub to showcase user control options.

Twitter:

• Twitter loses two executives in-charge of Safety & Trust on the platform.
• Twitter leaves EU voluntary code of practice against disinformation.
• Ben & Jerry’s leave Twitter Advertising over Hate speech.
• Twitter’s working on hide your likes tab option.
• Twitter ignoring hate speech created by Twitter Blue subscribers.

YouTube:

• Youtube reverses misinformation policy to allow US election denialism.
• MrBeast tags big streaming services and pitches his idea of new Game Show.
• Viral Nation’s new product to protect companies from copyright issues.
• Youtube adds 5.1 Surround Sound & announces new YPP terms.

Agency News:

• Dentsu sees 2023 Ad spending up 3.3%.
• WPP partners with Nvidia to build an AI content engine.
• Zoom apps marketing chief Janine Pelosi exists.
• Ogilvy Africa introduces InfluenceO, an Influencer marketing solution for Africa.

LinkedIn:

• LinkedIn launched a new playbook for SaaS companies marketing on the platform.

Snapchat:

• Snapchat launches AR Learning hub for individuals with growing interest in AR world.
• Snapchat launches sheen camera filter to Encourage LGBTQ+ creators to share their story.

Reddit:

• Reddit’s main share holder cuts down its valuation in the platform by 41%.
• Many Sub-reddits are protesting on 12th June against new API pricing changes.

Advertising:

• Heinz Debuts First Global Campaign in 150 Years.
• Unilever pledges over 70% of Ads will have disabled representatives behind the scenes.
• Fentiman creates world’s longest Advert with an 168-hour film, woah.
• New Created Campaign from Wendy with T-pain is blasting.

Microsoft

• Bing chat increases chat turns, adds visuals to travel queries and expands Bing Image creator.
• Microsoft teams on Windows 11 gets discord-like communities and AI tools.
• Bing Chat adds Anchor text hyperlinks within answers.
• Microsoft introduces insights for Universal Event tracking Tags.

AI:

• Brands are asking Influencers to utilise AI tools to improve their content practices.
• Search Engine Land launched their own AI Chatbot based on 20,000+ previous blogs.

Pinterest:

• Julia Brau Donnelly to join Pinterest as Chef Financial Officer.
• Pinterest publishes new research on how positivity drives actions at event stage of the shopping journey.

Marketing:

• BeReal is testing BeRealChat for direct messaging options.
• Peloton goes through a rebrand, trying to recapture its audience.
• Verizon owned Visible Brand launches a new show with creator group “Old Gays”.
• Oracle removes social sharing tool “Add this”.

What are your thoughts on these recent updates? You can subscribe to the weekly newsletter to receive these updates every week.

Top 5 Updates of the Week:

• Instagram shared how their algorithm works. Spoiler: It’s 90% their 2021 blogpost with minor changes.
• Snapchat My Snap AI: Users now have ability to send & receive AI generated images.
• Reddit’s new usage based API pricing will impact many third-party apps.
• Meta tests removal of news content in Canada in response to Online news act.
• Pinterest first platform to share their calendar for pride month & latest events.

Google:

• June 2023 Google Webmasters Report.
• Google rolling out multiple featured snippets feature on Desktop search.
• Google now treats .ai domains as generic Top-domains.
• Google search console insights adds your growing content report.
• Google modifies shopping ads policies to enhance transparency.
• Google Search console performance report was delayed by 65+ hours this week due to an error.
• Google Bard can now provide more precise local results.

Tiktok:

• Mexico city signs up a deal with TikTok to support small business marketing.
• Tiktok launches #ForYourPride for content creation around Pride month.
• Tiktok’s 10-minute recording option within the app is back for many users.
• TikTok accused of storing sensitive Creator Data in China.

Instagram

• Instagram tests new user control for recommended posts & transparency tool.
• The logo for Instagram’s Twitter rival App is now revealed in a leak.
• Instagram announces video scrubbing feature for IG reels.
• Instagram shares a format guide for all Meta Ads Platform.

Meta :

• Meta never gave up on metaverse, Meta Quest 3 coming this fall and price decrease for Quest 2.
• Meta found liable as court blocks firing of moderators.
• WhatsApp launches a security hub to showcase user control options.

Twitter:

• Twitter loses two executives in-charge of Safety & Trust on the platform.
• Twitter leaves EU voluntary code of practice against disinformation.
• Ben & Jerry’s leave Twitter Advertising over Hate speech.
• Twitter’s working on hide your likes tab option.
• Twitter ignoring hate speech created by Twitter Blue subscribers.

YouTube:

• Youtube reverses misinformation policy to allow US election denialism.
• MrBeast tags big streaming services and pitches his idea of new Game Show.
• Viral Nation’s new product to protect companies from copyright issues.
• Youtube adds 5.1 Surround Sound & announces new YPP terms.

Agency News:

• Dentsu sees 2023 Ad spending up 3.3%.
• WPP partners with Nvidia to build an AI content engine.
• Zoom apps marketing chief Janine Pelosi exists.
• Ogilvy Africa introduces InfluenceO, an Influencer marketing solution for Africa.

LinkedIn:

• LinkedIn launched a new playbook for SaaS companies marketing on the platform.

Snapchat:

• Snapchat launches AR Learning hub for individuals with growing interest in AR world.
• Snapchat launches sheen camera filter to Encourage LGBTQ+ creators to share their story.

Reddit:

• Reddit’s main share holder cuts down its valuation in the platform by 41%.
• Many Sub-reddits are protesting on 12th June against new API pricing changes.

Advertising:

• Heinz Debuts First Global Campaign in 150 Years.
• Unilever pledges over 70% of Ads will have disabled representatives behind the scenes.
• Fentiman creates world’s longest Advert with an 168-hour film, woah.
• New Created Campaign from Wendy with T-pain is blasting.

Microsoft

• Bing chat increases chat turns, adds visuals to travel queries and expands Bing Image creator.
• Microsoft teams on Windows 11 gets discord-like communities and AI tools.
• Bing Chat adds Anchor text hyperlinks within answers.
• Microsoft introduces insights for Universal Event tracking Tags.

AI:

• Brands are asking Influencers to utilise AI tools to improve their content practices.
• Search Engine Land launched their own AI Chatbot based on 20,000+ previous blogs.

Pinterest:

• Julia Brau Donnelly to join Pinterest as Chef Financial Officer.
• Pinterest publishes new research on how positivity drives actions at event stage of the shopping journey.

Marketing:

• BeReal is testing BeRealChat for direct messaging options.
• Peloton goes through a rebrand, trying to recapture its audience.
• Verizon owned Visible Brand launches a new show with creator group “Old Gays”.
• Oracle removes social sharing tool “Add this”.

What are your thoughts on these recent updates? You can subscribe to the weekly newsletter (link in bio) to receive these updates every week.

I ported to T-Mobile a couple weeks ago. This past weekend I got the Keep and Switch money. Any time I go to try to pay off the devices in MyVerizon, I’m just getting an error message in place of the device payoff page.
When I tried to chat a rep, they linked me the disconnect portal but that didn’t find me - my lines are still technically suspended with dummy IMEI at the moment waiting on billing cycle.
They suggested I try a store. I’d like to get these paid off before the final bill to get a cleaner final bill … is that a pipe dream though?

Top 5 Updates of the Week:

• Instagram shared how their algorithm works. Spoiler: It’s 90% their 2021 blogpost with minor changes.
• Snapchat My Snap AI: Users now have ability to send & receive AI generated images.
• Reddit’s new usage based API pricing will impact many third-party apps.
• Meta tests removal of news content in Canada in response to Online news act.
• Pinterest first platform to share their calendar for pride month & latest events.

Google:

• June 2023 Google Webmasters Report.
• Google rolling out multiple featured snippets feature on Desktop search.
• Google now treats .ai domains as generic Top-domains.
• Google search console insights adds your growing content report.
• Google modifies shopping ads policies to enhance transparency.
• Google Search console performance report was delayed by 65+ hours this week due to an error.
• Google Bard can now provide more precise local results.

Tiktok:

• Mexico city signs up a deal with TikTok to support small business marketing.
• Tiktok launches #ForYourPride for content creation around Pride month.
• Tiktok’s 10-minute recording option within the app is back for many users.
• TikTok accused of storing sensitive Creator Data in China.

Instagram

• Instagram tests new user control for recommended posts & transparency tool.
• The logo for Instagram’s Twitter rival App is now revealed in a leak.
• Instagram announces video scrubbing feature for IG reels.
• Instagram shares a format guide for all Meta Ads Platform.

Meta :

• Meta never gave up on metaverse, Meta Quest 3 coming this fall and price decrease for Quest 2.
• Meta found liable as court blocks firing of moderators.
• WhatsApp launches a security hub to showcase user control options.

Twitter:

• Twitter loses two executives in-charge of Safety & Trust on the platform.
• Twitter leaves EU voluntary code of practice against disinformation.
• Ben & Jerry’s leave Twitter Advertising over Hate speech.
• Twitter’s working on hide your likes tab option.
• Twitter ignoring hate speech created by Twitter Blue subscribers.

YouTube:

• Youtube reverses misinformation policy to allow US election denialism.
• MrBeast tags big streaming services and pitches his idea of new Game Show.
• Viral Nation’s new product to protect companies from copyright issues.
• Youtube adds 5.1 Surround Sound & announces new YPP terms.

Agency News:

• Dentsu sees 2023 Ad spending up 3.3%.
• WPP partners with Nvidia to build an AI content engine.
• Zoom apps marketing chief Janine Pelosi exists.
• Ogilvy Africa introduces InfluenceO, an Influencer marketing solution for Africa.

LinkedIn:

• LinkedIn launched a new playbook for SaaS companies marketing on the platform.

Snapchat:

• Snapchat launches AR Learning hub for individuals with growing interest in AR world.
• Snapchat launches sheen camera filter to Encourage LGBTQ+ creators to share their story.

Reddit:

• Reddit’s main share holder cuts down its valuation in the platform by 41%.
• Many Sub-reddits are protesting on 12th June against new API pricing changes.

Advertising:

• Heinz Debuts First Global Campaign in 150 Years.
• Unilever pledges over 70% of Ads will have disabled representatives behind the scenes.
• Fentiman creates world’s longest Advert with an 168-hour film, woah.
• New Created Campaign from Wendy with T-pain is blasting.

Microsoft

• Bing chat increases chat turns, adds visuals to travel queries and expands Bing Image creator.
• Microsoft teams on Windows 11 gets discord-like communities and AI tools.
• Bing Chat adds Anchor text hyperlinks within answers.
• Microsoft introduces insights for Universal Event tracking Tags.

AI:

• Brands are asking Influencers to utilise AI tools to improve their content practices.
• Search Engine Land launched their own AI Chatbot based on 20,000+ previous blogs.

Pinterest:

• Julia Brau Donnelly to join Pinterest as Chef Financial Officer.
• Pinterest publishes new research on how positivity drives actions at event stage of the shopping journey.

Marketing:

• BeReal is testing BeRealChat for direct messaging options.
• Peloton goes through a rebrand, trying to recapture its audience.
• Verizon owned Visible Brand launches a new show with creator group “Old Gays”.
• Oracle removes social sharing tool “Add this”.

What are your thoughts on these recent updates? You can subscribe to the weekly newsletter (link in bio) to receive these updates every week.

We realize that individual taste, styling, and design are extremely important to you when you decide to make your earring purchase. We aim to provide quality with the custom earring highest degree of customer satisfaction. You might have something specific in mind or leave the design process up to us. Most of the time, you will not walk into a store and see a ready-made piece that will fit multiple stones of varying sizes. That’s where we come in! Every pair of Custom Earrings we sell has been hand-made based on the latest trends, the finest quality materials, and expert craftsmanship. We provide our customers with the most elegant, custom earrings to buy directly in-store or online.

I recently Bought a Netgear Nighthawk M6 Pro 6550 mobile router unlocked. I go to the Verizon Wireless store and they give me a 5G card to put in the device. However, when their software tries to activate the device, it chokes on the IMEI and it says it's not in their database and thus is incompatible. This is total bullshit! The device shows "VZW 5G" on it, which, I assume, indicates that it is successfully on their network. Yet, none of my devices (phones, iPads, computers) can get an internet connection through the router. Does anyone have this device working successfully on Verizon's network? I'd hate to have to return this device simply because of Verizon's arbitrariness. Any suggestions?

CREDIT PROFILE
* Current credit cards you are the primary account holder of: -Capital One Platinum Mastercard - Feb 2019, $600 limit (was previously secured mastercard $300 to build credit, now unsecured) -Chase Freedom Flex - August 2021, $3200 limit
* FICO Scores with source (see note on FICO score sources below): Transunion - 757 Equifax - 758 Experian - 810
* Oldest credit card account age with you as primary name on the account: (example: 3 years - do NOT include cards you are an authorized user on) 4 years, 4 months (Capital One card)
* Number of personal credit cards approved for in the past 6 months: 0
* Number of personal credit cards approved for in the past 12 months: 0
* Number of personal credit cards approved for in the past 24 months: 0
* Annual income $: $78K
CATEGORIES
* OK with category-specific cards?: YES
* OK with rotating category cards?: YES
* Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
* Dining $: 300
* Groceries $: 200
* Gas $: 150
* Travel $: Varies month to month. When I do travel it is usually $400 for flights. Hotels can usually be from 300-1500 depending on length of stay
* Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
* Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $200-300 Amazon spend monthly, but varies to more/less depending on month.
* Any other significant, regular credit card spend you didn't include above?: $1300 car insurance payment every 6 months
* Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: NO
MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)
* Current member of Amazon Prime?: No
* Current Verizon postpaid customer?: No
* Current member of Costco or Sam's Club? No
* Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?: No
* Current member of Chase, US Bank or any other big bank?: Wells Fargo
* Active US military?: No
* Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy): No
PURPOSE
* What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards): Ideally travel but would consider general use card with good travel benefits. I don't travel that often but would like to more and getting rewards back for regular spending and recursive travel points/benefits would help. I do travel for work on occasion which are put on my personal cards and then expensed so would love to put those expenses towards my own travel.
* If you answered "travel rewards", do you have a preferred airline and/or hotel chain?: Airline varies depending on price. Delta, Southwest, United recently. Marriott is usually my hotel chain but again I am open to anything with a good price.
* Do you have any cards you've been looking at? Been trying to decide between Chase Sapphire Preferred (1.25 points is nice) and the Capital One Venture (TSA pre-check/Global Entry coverage is very attractive to me). Again, these are the two I'm really looking at but open to other suggestions that may be a better fit with good travel rewards or other types of rewards if that might fit my profile better.