Tall Ships cruises?

anyone do them? curious how it went? I signed up with a captain out of Belmar who took everyone’s money for cruises before the tall ships even got in… smh. I assumed he knew more than me just reading the press releases since ya know, he’s a captain. he canceled last minute and I had to leave town for a trip. I’m still salty about it, tell me it was too hot and you saw nothing 🤣🤣

reddit.com
u/Oceanswim12 — 3 days ago

Wtf is going on at fake bake?

Can’t find it anywhere then I go to buy direct and get this. I’m in us. A summer without fake bake is like a summer without sun wtf

u/Oceanswim12 — 4 days ago

Westlake is insane and won’t refund a late fee that they admit was due to their payment system glitching

Am I crazy, or is this an unreasonable way for an auto lender to handle a disputed $10 late fee?

I want to know if I’m overreacting or if this process is as ridiculous as it feels.

I have an auto loan, and my payment was due but when I attempted to make the payment through the lender’s online portal, my banking info that has been saved for years was gone and I immediately tried to re-add it - it would not save. As soon as I realized there was a problem, I reported it and kept evidence via screenshots. Despite that, my request to waive the $10 late fee was initially denied multiple times even though they admitted in an email this glitch sometimes happens. I am disabled and deal with fatigue that makes speaking too difficult most days.

After continuing to dispute it, I finally received an email saying they’re now reviewing their server logs and payment processor logs to determine whether there was a technical error on the dates in question. They also acknowledged that I reported the issue within the required timeframe and said they’ll decide whether to waive the fee after completing their investigation.

Here’s what’s bothering me:

If determining whether the fee was appropriate requires reviewing server logs and payment processor logs, why wasn’t that investigation completed before denying my request in the first place?

The time, effort, and stress required to dispute a $10 late fee has been completely disproportionate. I’ve spent far more time trying to resolve this than the fee itself is worth. It feels like I’ve had to escalate and push just to get them to perform the investigation that should have happened before making an initial decision.

At this point, it’s not even about the $10 anymore. It’s about the process. If a customer promptly reports that your own payment system may have malfunctioned, shouldn’t you investigate the relevant logs before telling them they’re responsible?

This experience has honestly shaken my confidence in the company, and regardless of whether they ultimately waive the fee, I’m already looking into refinancing with another lender.

Has anyone else experienced something like this? Is this a normal way for lenders to handle disputes involving potential system errors, or is this as backwards as it seems to me?

reddit.com
u/Oceanswim12 — 5 days ago
▲ 11 r/Montclairnj+1 crossposts

Little Brother filming location

This vantage point is interesting anyone know where it is?

u/BeyondDadBod — 5 days ago
▲ 29 r/CapeCod

Cape Cod ghosts?

Anyone else have a home there with a ghost? Last time I didn’t warn a friend and she mentioned feeling something that creeped her out and wanted to switch bedrooms and I was like “oh ya that’s the ghost don’t worry, it’s my great uncle, he’s cool” 😂 this time I mentioned it to a friend before visiting. To me, the cape and ghosts just pair naturally. I’m curious if anyone else has experiences? Any famous ghosts on cape??

Edit- if you have a resident ghost do you warn overnight visitors??? I got used to mine and didn’t realize it was so obvious others would feel it lol

reddit.com
u/Oceanswim12 — 5 days ago

Will tret help my neck??

was bedridden 4 years and that’s when I noticed it got bad.. but I also aged during that time so idk any advice

u/Oceanswim12 — 6 days ago

Are there any areas of NJ without so many slumlords??

listen, I know it sounds nutty, just hear me out. I’m originally from NJ but only started renting as an adult here right before COVID. the amount of slumlords I’ve encountered is insane, especially in coastal Monmouth county- I’m assuming because the demand is so high they can get away with things. for MONTHS I’ve had a landlord who wouldn’t even fix basic safety things SHE noticed many many months ago and only fixed it till I got hurt this weekend and started screaming things about slumlords I won’t repeat here.

I am HAPPY to move and get away from tourists and slumlords - where should I go??? I won’t leave NJ again 😂 I am really laid back and VERY patient (the timeline I’m referring to above was the span of over 6 months - they installed an outdoor shower before they fixed BARE MIN safety in my spot). hit me with some ideas! I love being able to walk places and leave me car untouched awhile. sick of all the con men around the shore, my god

reddit.com
u/Oceanswim12 — 7 days ago

The abuse doesn’t end when you get away!

wow! no one really warns you that once you get out the abuse continues and is more widespread vs just behind closed doors. mine is ruining connections and opportunities I have made on my own behind my back while maintaining a persona to my face where he tries to reap the benefits of said opportunities I have created for myself! anyone else deal with this?? all I can do is show up and act professional and do the best work I can and let my steadfast presence obliterate his side of things- no use trying to tell my side imo. these ppl are truly crazy. I don’t think it will end until I move away..

reddit.com
u/Oceanswim12 — 8 days ago

Seriously WHAT is with the no cursing on summer stage

first it was hot mulligan commenting on it now the wonder years. been living here years and never once heard a single comment on this. is it a new north2shore rule??? it’s getting frustrating af 😂

reddit.com
u/Oceanswim12 — 10 days ago

Did I just get scammed?

I’m disabled but refuse to waste more time in ADA so I just show up pretty late and make it work.

u/Oceanswim12 — 21 days ago
▲ 3 r/Lyme

My stroke symptoms finally vindicated with “mini stroke” diagnosis

me again - just spent 3 days hospitalized fighting for treatment with a tick bite and terrible symptoms. some sort of blood bacteria tested positive - they tried to deny that too (see my other posts) but I got a few rounds of iv abx and an hour long mri - 48 hours after the mri and at discharge they told me I had a “mini stroke” in the past. anyone experience this? I have been begging my llmd for a blood thinner for forever. I feel so much better on aspirin. I also feel amazing today and normal tired for the first time in recent memory. my joints that felt like they were falling off before the hospital feeling normal again. unsure if it’s iv abx or the fact that I could rest for 3 days with zero responsibilities and have all meals brought to me. time will tell I guess. still taking the orals my llmd prescribe and may take the bicillin I was taking for my chronic infection too before I got bit again may 30.

reddit.com
u/Oceanswim12 — 23 days ago
▲ 360 r/DogAdvice

Bladder cancer 14.5 years old

hello looking for experiences on dog bladder cancer. my dog - 14.5 year old female no previous health issues ever - began wetting the bed in her sleep about two years ago- very sporadic. would do it a few times in a row and stop for months. then briefly needed to go out constantly. now she has moved onto accidents inside while awake and also trying to continue going even where’s nothing left. always brought her in- no uti. this last visit this week did finally show something - bladder inflammation. put on nsaid. xray showed space in her chest getting smaller need some clarity on that - she coughs twice and passes out stiff falling off the bed. trying to figure out my research and what to get to help her but I’m disabled and was just hospitalized and recovering so thought I’d ask here. treating every day left with her as our best day ever. she still runs at the beach playing with puppies. she has saved me time and time again and has been with me my whole adult life- losing her will mean losing a huge part of my identity and I’m very scared.

editing for clarity- she has not been dx with any cancer, just a suspicion. And all other suspicions have been disproven so far. Additionally, I misheard while I was hospitalized - the space in her chest actually looks better than last time. Tough to tell bc legs are in the way.

u/Oceanswim12 — 23 days ago
▲ 28 r/Lyme

Update on my hospital visit with a bullseye

I was admitted and it’s day 4. every 12 hours I’m getting a dose of iv antibiotics- only reason I’m staying. ID docs are horrific. denied the bullseye I actively have and told me to stop all abx. I said no. he then sent a research team to try and recruit me for a 65+ study for a c diff vaccine 😂 first off I'm mid 30s and look even younger, second I wont be intimidated to stop abx. c diff is easier to treat than Lyme and I take probiotics. even before that, by some grace of god, I had a blood culture come back positive- so why would I stop abx??? they tried to deny the positive and say it was contaminated - i had so many awful ID doc interactions and one doc never showing up all day so I packed my bags and told my nurse im leaving AMA. she didn’t fight it and was understanding. she said i had my next abx in the fridge so i stayed for that.

this morning I woke and the worst ID doc appeared (truly the stuff of a Lyme persons nightmare 😂) and told me I “must have a skin condition” that’s making it positive and spoke to me more about my noise canceling headphones than anything medical. bizarre experience. yeah the skin condition is called a bullseye, sir. I have absolutely nothing else on my skin that is questionable and felt normal Lyme symptoms and nothing else before this next bullseye. I just desperately wish I had biofilm busters to take full advantage of these IVs. just wanted to post an update bc many said they won’t treat, etc. part of me wonder if he knows it’s a bullseye but is documenting something else bc they don’t want to touch Lyme. it all makes no sense to me.

reddit.com
u/Oceanswim12 — 25 days ago

Currently hospitalized and missing the pony show tomorrow

I got bit by a tick and am sick as a dog hospitalized for days now. I’ve had my ticket for the summer stage show for ages. I’ve seen them in 3 states and have been a fan for well over a decade. I may be high as a kite on pain meds… but I want to invite them to play a song at the hospital 😂 anyone know how to get in touch? they don’t seem to interact with fans online social media. their songs mean the world to me and have gotten me through so much

reddit.com
u/Oceanswim12 — 25 days ago
▲ 6 r/Lyme

Lumbar puncture?

Hello I am in ER for a new bite- posted rash here Friday and attaching it here too. Was already treating chronic from a bite decades ago. They put me on IV Ceftriaxone wildly quickly considering the er doc didn’t think my rash looked like a bullseye a week later (llmd put me on orals Friday). I have been slurring and lost executive functioning even further, severe chest pain, worsening of joint and spine and neck pain- the bite was at my neck in my hair. They want to do a lumbar puncture- I have heard horror stories of leaks from Lyme patients and would like to hear if it’s worth it. At this rate I am in so much pain and agony I’m not sure I have much to lose and am happy someone is finally taking it serious in a hospital (I’m not sure what caused the doc to change his tune as I haven’t seen labs back bc they gave me abx before even telling me). Any insight is welcome thx.

u/Oceanswim12 — 27 days ago
▲ 2 r/Lyme

ER for bullseye?

what do they treat with? this one hit my cns directly I am slurring and don’t understand words. severe chest pain and head- sharp. in Nj. any experiences at jersey shore or Morristown memorial pls desperate

reddit.com
u/Oceanswim12 — 28 days ago
▲ 6 r/Lyme

New acute infections on top of chronic

looking for experiences and patterns with symptoms. was talking with a Lyme friend who said she can always tell when she was bit bc the symptoms begin so fast. curious how common this is with those already infected?

I was initially infected in 1997. dealing with chronic since 2015. treating heavily since 2017. got bit again last Saturday I assume. that night had the worst flu like feelings and sharp head pain and thought I needed the hospital. Sunday I felt much better and normally I jump up when a herx is over and get out to do stuff but this time I was so put off the severity snd insanity of symptoms I kept resting in bed. all week I was fatigued. Friday my hairdresser found a bullseye on my scalp - I am really lucky I finally saw her after six months!! Friday night was treating the acute infection. felt pretty bad yesterday and stayed in bed but a bit better today. I’m wondering what the heck to expect next though I know no one can tell me.

reddit.com
u/Oceanswim12 — 28 days ago