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I would buy a mower like that if I wasn't moving. At my new place the HOA covers all the mowing lawn maintenace. I'm just going to sell the two push mowers I have after the house sells and be done with it. Next time I'll wear gloves and even protective eyewear just because when things like this happen to me I usually get paranoid about safety. Like, I'll be wearing gloves even though I know now I should only adjust the mower height when the motor is cool. Is it ever a good idea to leave certain appliances at a home your trying to sell? I have a fridge at my new place I'm considering transporting to my old house because I figured a home with a fridge would be easier to sell. The same thing goes for one of my mowers and maybe a few other things.
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May 12, 2014 16:09
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Sephiroth_IRA posted:I would buy a mower like that if I wasn't moving. At my new place the HOA covers all the mowing lawn maintenace. I'm just going to sell the two push mowers I have after the house sells and be done with it. I've never sold a home, or bought yet, but I've seen a fair amount of sales happen. Leaving appliances is very common and usually used as an upsell if you will? My folks got a few grand extra by leaving their fridge and washer/drier, and my buddy paid a grand or something for the fridge/w/d at his new place, too. I would not 'throw em in' but rather position it as an option to buy them from you. Fwiw, at my folks previously last house, the buyers were gutting the house and gave my folks the built in range and oven (cheaper than dump fees, and the appliances were nice high end European electrics which my folks put into their beach house) and the buyers opted to not buy the refer/w/d from my folks, so my folks sold them on cl the last week in the house and had them picked up the day we moved everything.
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May 12, 2014 20:31
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Anyone used Simple? I just set up an account because I'd heard good press and it sounded like a cool idea, but after reading this review on Slate, it sounds like you really need to use their debit card as your main purchasing mechanism to get the most out of it. Is that right? That'd be kind of a bummer since that would mean losing out on credit card rewards.
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May 12, 2014 21:17
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Bloody Queef posted:Depending on how large your yard is, you can ditch the gas mower on Craigslist and then buy one of these. I got one of these about three months ago in my quest towards frugality, and sold the old gas mower to someone on craigslist. I have a small enough yard that it's easy, and doesn't take any more time than lugging out the old mower, priming it, etc. The smaller mower also fits nicer in my shed, and is much easier to clean. I just hose the thing down after use.
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May 12, 2014 21:43
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Those reel mowers are on craiglist all the time. It's like people buy them and then realize that it's a lot of work.
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May 12, 2014 21:50
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Inverse Icarus posted:I got one of these about three months ago in my quest towards frugality, and sold the old gas mower to someone on craigslist. 
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May 12, 2014 21:53
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Cicero posted:Anyone used Simple? I just set up an account because I'd heard good press and it sounded like a cool idea, but after reading this review on Slate, it sounds like you really need to use their debit card as your main purchasing mechanism to get the most out of it. Is that right? That'd be kind of a bummer since that would mean losing out on credit card rewards. I use it, but I use the debit card as my main payment method as well. You could still take advantage of their gradual savings options, but I generally use it to hold amounts at the beginning of my paycheck that will be used for bills, savings, etc, so they don't show up on my "available to spend" amount. If you aren't a dummy about money like me and wouldn't benefit from the handholding, I'm not sure if it's worth changing over.
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May 12, 2014 21:53
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marchantia posted:I use it, but I use the debit card as my main payment method as well. You could still take advantage of their gradual savings options, but I generally use it to hold amounts at the beginning of my paycheck that will be used for bills, savings, etc, so they don't show up on my "available to spend" amount. If you aren't a dummy about money like me and wouldn't benefit from the handholding, I'm not sure if it's worth changing over.
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May 12, 2014 22:16
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Cicero posted:Is there a way to integrate external accounts into the "safe to spend" calculation? Like, say, deducting the balance on a credit card. Nope. At least not that I found.
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May 12, 2014 22:18
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It's basically budget making avoidance? Humm. I mean I guess it's good that it 'does it for you' but I'm guessing it makes you lose a large part of the knowledge from the exercise in doing the budget yourself. Get Mint and Excel or YNAB.
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May 13, 2014 02:36
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so i decided to go to urgent care to get my hands fixed from the burn and they prescribed me 600mg of motrin. When I went to the pharm I asked "ugh I can just get the ooc 200mg motrin and take 3 right?" and was told that was fine. Now up until this point I've never been told to take motrin in my life (I assumed motrin was its own unique thing like tylenol and aleive) so when I looked at the bottle and saw 200mg ibuprofen I was taken aback a bit. So my options were: Motrin 10 bucks, Generic Motrin for 7 bucks, Advil for 5 and Generic advil for 2 bucks. So I went back to the pharm and asked "motrin, advil, ibuprofen is all the same stuff right? no extra ingredients or differences?" "yeah, it's all marketing." My question is why don't pharms or doctors tell people this straight up? I would. I know some doctors get commissions for certain prescription drugs but I never thought that went to ooc stuff as well. sorry for ignoring caps. I never had a reason to use the right shift key until today. Sephiroth_IRA fucked around with this message at 14:21 on May 13, 2014 |
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May 13, 2014 14:17
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Sephiroth_IRA posted:so i decided to go to urgent care to get my hands fixed from the burn and they prescribed me 600mg of motrin. When I went to the pharm I asked "ugh I can just get the ooc 200mg motrin and take 3 right?" and was told that was fine. Now up until this point I've never been told to take motrin in my life (I assumed motrin was its own unique thing like tylenol and aleive) so when I looked at the bottle and saw 200mg ibuprofen I was taken aback a bit. So my options were: Generic Motrin for 7 bucks and Generic advil for 2 bucks. So I went back to the pharm and asked "motrin, advil, ibuprofen is all the same stuff right? no extra ingredients or differences?" They do? My doctors and dentists have always been very pro-generic whenever I've asked. They probably just prescribed the extra high dose pills for convenience or whatever. I think it also helps them to have a prescription on file in case you come back with SJS (NWS) or something.
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May 13, 2014 14:24
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Sephiroth_IRA posted:So I went back to the pharm and asked "motrin, advil, ibuprofen is all the same stuff right? no extra ingredients or differences?" Because drug companies throw billions of dollars at doctors through free food/vacations in order to get them to prescribe brand-name drugs. Welcome to America. You could have went to Dollar Tree and got a 40-pack of generic ibuprofen for $1.00.
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May 13, 2014 14:26
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EugeneJ posted:Because drug companies throw billions of dollars at doctors through free food/vacations in order to get them to prescribe brand-name drugs. Depends on the drug, to be honest. Also, pharmacies will always fill generic unless told otherwise by the doctor or patient. This is coming from a pharmacist who used to work retail as a technician.
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May 13, 2014 14:53
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Whenever I get drugs I just ask for the generics and they end up giving me whatever's cheaper. Motrin / Tylenol / Store Brand Ibu might just be because some people have pretty strong brand loyalty for whatever reason. I used to buy multiple family pack of seasickness pills a year, and asking for "Gravol, but generic" saved me like 20% every time. Then I'd get "So are you familiar with this medication, mister uh... *Look at file* Oh. Ok. Nevermind." Joking aside, anytime you're buying drugs, grab the name brand stuff, look at the ingredients, then find the store brand that has the same stuff. Exact. Same. Thing. 50% cheaper.
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May 13, 2014 15:05
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FrozenVent posted:Whenever I get drugs I just ask for the generics and they end up giving me whatever's cheaper. Motrin / Tylenol / Store Brand Ibu might just be because some people have pretty strong brand loyalty for whatever reason. I used to buy multiple family pack of seasickness pills a year, and asking for "Gravol, but generic" saved me like 20% every time. Folks do get confused with what's the exact same thing and what common drugs are used for similar conditions, though. Tylenol is acetaminophen (or paracetamol) and has some different concerns than ibuprofen - easier on the stomach, harder on the liver.
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May 13, 2014 15:15
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Engineer Lenk posted:Folks do get confused with what's the exact same thing and what common drugs are used for similar conditions, though. Tylenol is acetaminophen (or paracetamol) and has some different concerns than ibuprofen - easier on the stomach, harder on the liver. Can also cause SJS, though.  I think.
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May 13, 2014 15:16
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My mistake; I keep confusing Tylenol and Advil. Obviously always check the active ingredients before taking drugs. Unless you're in TCC, in which case just eyeball it.
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May 13, 2014 15:24
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I'm in mandatory training today, and it was supposed to be catered, but it isn't. Guess I'm eating out today.
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May 13, 2014 21:25
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The catering lowered our ability to maximize shareholder value so we had to cut it out.
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May 14, 2014 01:49
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I'm in Amsterdam for the week and the day after arriving I had to go to hospital. Had to pay about two thirds of the Euros I had on me in the land of glorious socialised medicine! This wouldn't be a problem if it weren't for the fact it will take a few days to transfer more money over to the prepaid card I brought with me.  At this point its looking like I might not have the cash to go see the sights, so now I'm looking up scenic walks and stuff I can do for when I'm better.
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May 14, 2014 05:23
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froglet posted:I'm in Amsterdam for the week and the day after arriving I had to go to hospital. Had to pay about two thirds of the Euros I had on me in the land of glorious socialised medicine! This wouldn't be a problem if it weren't for the fact it will take a few days to transfer more money over to the prepaid card I brought with me.
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May 14, 2014 05:27
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Did you only bring like 100 bucks with you? Seriously all I ever hear about places with socialized medicine is how cheap it is. Like a night at the hospital only costing $50 bucks including the drugs and they reimburse bus fare to get to the hospital.
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May 14, 2014 13:59
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The most I can pay in a year is $7000 for health care, not horrible I suppose.
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May 14, 2014 14:03
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Sephiroth_IRA posted:Did you only bring like 100 bucks with you? I'm only here for a week, so I brought enough cash for a few nights out, tourist attractions, etc. The hospital cost €150 and with prescriptions plus the taxi there all up it was about ~€200. I thought it was strange because Australia does have a reciprocal treatment agreement with the Netherlands but I was told now I have to pay upfront and claim it on Medicare when I'm back in Australia. So yeah, I too thought I was in the glorious land of socialised medicine so this wouldn't be a problem. I've got more money coming, its just going to take a few days.
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May 14, 2014 14:10
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Sephiroth_IRA posted:Did you only bring like 100 bucks with you? The medicine is only free if you've paid into it. I think here you have to be a resident for at least six months before RAMQ kicks in. Even if you do end up paying, it should be cheaper than in the states anyway. In any case, everyone should include the cost of travel insurance in their travel budget; you can get pretty decent coverage with a $150/year credit card, in my experience that's been the cheapest way to get it outside of employer's coverage plan; getting it from a travel agency or directly from your insurance provider seems to run in $200 - 300 per month depending on where you're going. My no-fee credit card used to cover me for trips not exceeding three days; I didn't even know that when I used it to rent a car... That a co-worker then totaled. No deductible, no insurance hit, just a phone call and "Yeah, we'll handle it." I've upgraded to their "travel" card now, $150 a year, 48 days of coverage, 1.something% cash back.
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May 14, 2014 14:24
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froglet posted:I'm only here for a week, so I brought enough cash for a few nights out, tourist attractions, etc. The hospital cost €150 and with prescriptions plus the taxi there all up it was about ~€200. I thought it was strange because Australia does have a reciprocal treatment agreement with the Netherlands but I was told now I have to pay upfront and claim it on Medicare when I'm back in Australia. Not sure how Australia works, but this is how it goes between provinces in Canada as well, since healthcare is controlled by the provinces. So if you move from Nova Scotia to Ontario, you have to live in ON for three months to transfer your account. Until then you pay upfront for ON health services and send the bill to NS, waiting like eight months for a reimbursement. It's a good idea to have a line of credit or access to a large amount of cash if you're transferring healthcare jurisdictions, but it really sucks when you've assumed that it's all taken care of because that's how we do things in the civilized world and you're out like 1200 bucks after you break an ankle or a scooter drives over your foot. 
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May 14, 2014 14:32
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Aren't there reciprocity agreements where they'll just send the bill to the other province and you don't get charged personally? The only time I used medical services out of province it was a worker's comp issue; that might have been why I didn't get billed...
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May 14, 2014 14:38
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FrozenVent posted:Aren't there reciprocity agreements where they'll just send the bill to the other province and you don't get charged personally? The only time I used medical services out of province it was a worker's comp issue; that might have been why I didn't get billed... Some regions, yes. Atlantic Canada (PEI, NB, NS) are all on that sort of agreement if I remember. It even works for drivers licences! I assume that Manitoba, Saskatchewan, and Alberta have a similar thing but I don't know. I know Ontario doesn't work with the Maritimes that way, or it didn't a couple of years ago. This info was all spammed to me when I got out of the military because I imagine they have to deal with like 35-year NCOs all the time who have no idea where to get glasses because they've been under the ultra-socialist public service plan since they were 16.
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May 14, 2014 15:10
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spwrozek posted:The most I can pay in a year is $7000 for health care, not horrible I suppose. I have similar, but when I had surgery last year I actually paid out over it not realizing. I was kind of out of it and the hospital billing people came to my bedside to collect, my wife paid them on the spot and we found it was really freaking hard to reconcile everything to figure where we stood because we got a stream of bills and refunds over the course of about 3 months while they figured out whether I had actually hit my out of pocket max, whether they were going to pay a particular claim etc. I had to pay numerous separate claims for all the people involved, and got back three refunds from Aetna ranging from $200 to just under $1000 over the course of 6 months because essentially we overpaid. I had the surgery in October, I just got my final bill for another $1300 about a month ago because Aetna originally denied it, the provider then asked me to resubmit it, Aetna sent me a check instead of the provider which I assumed was another 'we hosed up your billing' refund because the letter was vague, and put into our savings and forgot about it. We then get a call from the billing folks asking to pay a claim I thought the insurance had taken care of. It's confusing as gently caress and I miss living in Australia for that reason.
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May 14, 2014 17:16
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Cicero posted:Anyone used Simple? I just set up an account because I'd heard good press and it sounded like a cool idea, but after reading this review on Slate, it sounds like you really need to use their debit card as your main purchasing mechanism to get the most out of it. Is that right? That'd be kind of a bummer since that would mean losing out on credit card rewards. Downfall for them for me is limited ATM access and no reimbursement for out of network fees like Ally. I still go to bars that use cash along with concerts. I just use two checking accounts. One for bills that I put all the needed money into that doesn't have a debit card connected to it (cause I cut it up) and the rest is fun money/savings. cheese eats mouse fucked around with this message at 17:23 on May 14, 2014 |
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May 14, 2014 17:20
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Got offered a free parking space at work, turned it down. It's a 10 kilometer commute one way, 15-20 minutes in normal traffic, 30 minutes by bus. I live near a bus hub, so I've got plenty of options on the way home and I don't have to wait in the rain too long if I don't mind taking a less optimal route. Bus pass is 80 or so a month after taxes, and partially tax deductible. I'd need to have a car use cost, including gas, of 22.5 cents per kilometer or less to make it worth it financially. Even less if you consider the tax write off on the bus pass. Plus I'd have to dig the car out every morning and be awake enough to drive to work. gently caress that.
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May 14, 2014 17:55
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I think you made the right choice. I'd rather spend 30 minutes reading a book then 20 minutes watching traffic.
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May 14, 2014 17:57
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FrozenVent posted:Got offered a free parking space at work, turned it down. It's a 10 kilometer commute one way, 15-20 minutes in normal traffic, 30 minutes by bus. I live near a bus hub, so I've got plenty of options on the way home and I don't have to wait in the rain too long if I don't mind taking a less optimal route. Sublet it.
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May 14, 2014 23:05
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Inverse Icarus posted:Sublet it. Doesn't work that way, if I don't use it it goes to the next co-worker in line.
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May 14, 2014 23:07
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Leave a beater there so your boss assumes you're pulling all nighters.
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May 14, 2014 23:33
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FrozenVent posted:Doesn't work that way, if I don't use it it goes to the next co-worker in line. See if you can ask for them to contribute the value of your parking space to your bus pass. Someone did that with my company before I got there, and it's awesome. It's a pretty reasonable request, and HR benefit coordinators love being able to point to low cost projects that make employees happy. You might need to find some other bus riders to join you in asking.
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May 14, 2014 23:34
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It's a small outfit, we don't have things like "HR" or "other bus riders", this was literally the admin emailing me "Hey, the building threw in an extra parking pass with the lease renewal, do you want it? Otherwise I'll give it to So-and-so." I don't think I can leverage that into anything else.
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May 14, 2014 23:47
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Say you do want the pass, and then just let people borrow it.
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May 14, 2014 23:50
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Is it a prime enough spot that someone would carpool you for it?
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May 14, 2014 23:55
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