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Apparently I was bad with money, back when Windows 3.1 was still a thing and I decided to buy this software. Just found it while cleaning out my home office. 
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Sep 10, 2014 00:10
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| # ? May 16, 2024 00:45 |
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Evil Robot posted:Trying to attract customers who are looking for an FDIC-insured place to store medium-large amounts of emergency funds? ...that's not a bank and that's not FDIC insured
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Sep 10, 2014 01:29
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EugeneJ posted:...that's not a bank and that's not FDIC insured Jeez, how pedantic do you want get?
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Sep 10, 2014 01:31
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EugeneJ posted:...that's not a bank and that's not FDIC insured Uh, is there really a difference FDIC vs NCUA, which credit unions fall under?
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Sep 10, 2014 01:32
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The Desktop Pythonizer! What a blast from the past.
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Sep 10, 2014 01:53
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But if you're looking for a non FDIC insured account that will give you 5%+ interest, I'd be happy to do that for you. Just mail your cash to this address (which is totally not an abandon warehouse in town) and I'll mail back monthly statements, watch your balance grow grOW GROW! I prefer hundreds, but if that's not convenient, I'll take 20s.
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Sep 10, 2014 01:56
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My co-worker has been on a mega rant for the last week because he's getting charged 8 dollars a month extra by Sprint because he refuses to put his account on autopay and use ebill instead of paper statements and about how unfair it is. I'm like... why not just put your account on autopay and sign up for the ebill? But it just made him mad. I don't get it. Sure it's lovely but it's not illegal or anything, Sprint is charging people extra that they think are risks of not paying their account. Why pay that money if you don't have to and then refuse to do the thing to make it go away and just get super angry about it instead? Or take your business elsewhere (except you cant because you got a two year contract way to go)
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Sep 10, 2014 19:37
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100 HOGS AGREE posted:My co-worker has been on a mega rant for the last week because he's getting charged 8 dollars a month extra by Sprint because he refuses to put his account on autopay and use ebill instead of paper statements and about how unfair it is. It seems some people have this strange need to micro-manage their monthly bills, because they think if they don't, they'll get taken advantage of. I say many of these people would be much better off spending their energy tackling real money issues, like tracking their monthly spending and understanding why they're losing $100s on daily lattes. As opposed to every 5 years catching a $5~ overcharge on their phone bill. Besides, in my case, I track my monthly expenses such that I'll notice a discrepancy in a bill I paid, so I can then research it. Sure, I've already paid for it, but that doesn't give me any less leverage with the utility company if they hosed up. I'll see the credit on my next bill.
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Sep 10, 2014 20:39
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Something you guys might want to check out is the break even point of just using a long term CD for the higher interest rate, and just planning on paying the early withdrawal penalty. My break even was like 3 months.
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Sep 10, 2014 21:14
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Rick Rickshaw posted:It seems some people have this strange need to micro-manage their monthly bills, because they think if they don't, they'll get taken advantage of. You gotta prioritize sometimes, and pick your goddamn battles. The stress ain't worth it.
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Sep 10, 2014 22:08
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100 HOGS AGREE posted:Yeah tell me about it. He's getting super stressed out about this 8 dollars a month when A) It's easily fixed by just bowing to our corporate overlords in this specific case and B) He easily spends 60 bucks a week on eating out every day for lunch. I recently did something similar with my credit cards in graduated steps. Normally, I pay my CCs twice per month to ensure I never get charged ANY interest and to keep my utilization % low. Just in case I forgot to do it somehow (it almost happened once), I wanted a fallback solution. This is especially because I rarely look at my statement when it is delivered via mail or email since I keep up with day-to-day purchases via Mint to make sure nothing unexpected slips through. 1. About a month ago, I changed all my credit cards to autopay the statement minimum to make sure at the very least I'd never get a late payment. 2. Then I thought, I really only use one of them for 95% of purchases, while the others are only for backup/emergency use or to maximize rewards in a particular category. So I set the backup cards to autopay the full statement. I always keep enough in checking more to cover rent, utilities, and typical credit card charges for a month plus an extra buffer of $1000. If I make a particularly large purchase that month, I usually transfer some money out of savings to checking make up for that one purchase. 3. And then last week I came to my senses and said that since I'm using Mint several times per week to monitor for unauthorized charges (on top of whatever the CC provider does for me), I should just set them all to autopay the full statement due balance I'll still try and pay off my cards at least twice per month to keep my utilization low and psychologically feel like I'm more on top of everything. But now if I forget, I'm still guaranteed no interest charges. Just makes my life a little bit less stressful.
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Sep 10, 2014 22:36
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SpelledBackwards posted:I recently did something similar with my credit cards in graduated steps. Normally, I pay my CCs twice per month to ensure I never get charged ANY interest and to keep my utilization % low. Just in case I forgot to do it somehow (it almost happened once), I wanted a fallback solution. This is especially because I rarely look at my statement when it is delivered via mail or email since I keep up with day-to-day purchases via Mint to make sure nothing unexpected slips through. Yeah autopay is great, and, for me at least, it's worth keeping extra money in my checking account to literally never think about bill due dates. The opportunity cost of keeping a few extra thousand uninvested each month is pretty drat low.
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Sep 10, 2014 22:39
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Definitely. It used to be the only thing I had set to autopay was my mortgage (don't want to get kicked out on a nonpayment technicality!), car insurance, domain hosting, and Netflix. For some reason in my head, and I had still wanted to control my utility bills and credit card statements. I might move the utility bills to also autopay, while still actually looking at them each month since I like to see my usage patterns and history (and each time my promotional rate expires on cable internet and fees jump up 50% because gently caress YOU)
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Sep 10, 2014 22:43
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Guinness posted:Why anyone keeps any significant amount of money with a large retail bank is beyond me. My Scottrade online investment account offers a debit card as well as paper checks. Which means that for all intents and purposes, savings bonds aren't much less liquid than cash. I mean, I can't think of any expense over a couple thousand dollars where you wouldn't have at least several days to produce the money.
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Sep 11, 2014 01:00
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Cockmaster posted:My Scottrade online investment account offers a debit card as well as paper checks. Which means that for all intents and purposes, savings bonds aren't much less liquid than cash. Margin call, gentlemen! You know the rules.
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Sep 11, 2014 01:07
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Mantle posted:Margin call, gentlemen! You know the rules. A Duke has been on this exchange since it was founded!
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Sep 11, 2014 13:37
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100 HOGS AGREE posted:My co-worker has been on a mega rant for the last week because he's getting charged 8 dollars a month extra by Sprint because he refuses to put his account on autopay and use ebill instead of paper statements and about how unfair it is. The Canadian broadcast regulator gave the telecoms here a chance to knock that poo poo off, they said they wouldn't, so now the government is going to legislate the practice out of existence. Pay-to-pay is amongst the biggest piles of horseshit because not everyone wants to or is able to set everything to autopay and go without a paper statement. I don't really need a paper statement, but until the place issues me a credit for not sending me a paper statement, they can keep forking over the postage.
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Sep 11, 2014 13:49
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Antifreeze Head posted:Pay-to-pay is amongst the biggest piles of horseshit because not everyone wants to or is able to set everything to autopay and go without a paper statement. I don't really need a paper statement, but until the place issues me a credit for not sending me a paper statement, they can keep forking over the postage. You do realize it's purely a matter of semantics whether it's an $8 charge for paper statements vs an $8 discount for using autopay?
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Sep 11, 2014 13:56
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It isn't exactly, because they are required to provide the service at the rate they used to get the subscriber in the first place. They can't just institute a flat increase of eight dollars a month for every current subscriber then reduce the bill by the same amount if the customer opts into electronic billing. There's nothing to stop them from increasing the price for new customers and then offering the discount, but I won't hold my breath waiting for that to happen.
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Sep 11, 2014 14:37
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My cable company (Cable One) is bad with money. There isn't an option to NOT receive a paper statement, even if you are enrolled in electronic payments. Every month we get mailed a statement that says, "No payment due". I even called them about how dumb that was and was told that's how they do business. Weird huh?
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Sep 11, 2014 14:59
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BULLETKISS posted:My cable company (Cable One) is bad with money. There isn't an option to NOT receive a paper statement, even if you are enrolled in electronic payments. Every month we get mailed a statement that says, "No payment due". I even called them about how dumb that was and was told that's how they do business. Weird huh? My bank's credit card also has no option for paperless statements, even though my debit card through the same bank does.
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Sep 11, 2014 15:23
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I think the only regular bill I get through the mail is my property taxes, which is auto-paid by the bank that holds my mortgage. The only bill that I don't have set to auto-pay is my credit card, because I can't set it to auto-pay the entire balance of each statement. I can only set recurring payments of $X amount each month. I just tweeted my bank to complain about this. edit: They do offer this, but just not via Online Banking. Just set it up now. Credit card statement balance will be paid in full one day before the statement due date. Perfect. Another BFC success story!  edit2: ↓↓↓↓ CIBC too! 
Rick Rickshaw fucked around with this message at 16:31 on Sep 11, 2014 |
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Sep 11, 2014 15:29
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EugeneJ posted:My bank's credit card also has no option for paperless statements, even though my debit card through the same bank does. I asked my bank about this a few years ago and apparently credit card companies are required by law to notify users of all charges. There was a delay in sorting out the legalese around insuring that an online statement was sufficient, hence only mailing paper statements to cover their asses. It's since been sorted out here in Canada, at least by TD.
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Sep 11, 2014 16:24
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District Selectman posted:A Duke has been on this exchange since it was founded! It took 30 years for someone to tell me they were going to see "La Boheme". I was ready.  also this is a cool game 
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Sep 11, 2014 21:48
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To be fair to the coworker, I wouldn't want sprint to have the right to auto transact on any of my accounts.
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Sep 11, 2014 22:48
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Dead Cow posted:To be fair to the coworker, I wouldn't want sprint to have the right to auto transact on any of my accounts. It took me hours to get Sprint to stop auto-debitting $0.51 a month from my account. It happened after I cancelled, and I said, "Eh, maybe some weird charge they missed." It happened the next month, and I completely forgot about it after noticing. By the third month, I called in and couldn't access my account since your account number is your phone number and I no longer had one. I got a complete horseshit runaround from a ton of people before resolving it. Not that the charge really mattered, but they shouldn't get my money for free and it would have caused even more headaches if I ever closed that checking account. I'll pay online all day long - it takes me a grand total of 10 minutes a month to knock out every bill. I'll let you auto-debit only if I'm getting a substantial discount (my student loans get .25% knocked off the interest rate).
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Sep 11, 2014 23:02
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paperchaseguy posted:It took 30 years for someone to tell me they were going to see "La Boheme". I was ready. I don't get the Carcassonne reference?
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Sep 12, 2014 00:35
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Dead Cow posted:To be fair to the coworker, I wouldn't want sprint to have the right to auto transact on any of my accounts. For sketchy companies like that, I use the credit card option if its available. That way if Cox tried to screw me, Visa could drop the hammer on them.
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Sep 12, 2014 03:28
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Mantle posted:I don't get the Carcassonne reference?
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Sep 12, 2014 05:08
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Ulf posted:IIRC it's the starting tile. It has a city edge, a pasture edge, and two road edges. And why is that relevant to this thread?
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Sep 12, 2014 09:58
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Riding the bus to work every morning on a route that passes the Goodwill I'm lucky to overhear a ton of conversations from people bad with money. There's one guy who's always talking about the casino, scratchers, and the lottery. He's that guy who's always saying he "won $200" at the slot machines and that there's a strategy for it. He's also always talking about how he can't afford to do things on the weekend. There's another person who talks about all the rent to own furniture she has. This ones just sad. There's also people who talk about getting paid under the table and then getting hosed over. It's always for "like a thousand" dollars too. Not that I'm blaming these people for getting hosed over, but their attitudes are also in general that it's the cost of doing business. I've heard one person say he willingly took the job knowing he was gonna get hosed over for $1000 which he figured was the price of being paid under the table. But today I heard a new one. Some guy was talking about how his job paid him in prepaid Visa cards cause of some conspiracy to "get rid of money." He was talking about this great idea he had too. You know how jobs give you paychecks "with numbers on the bottom?" He's figured out that these numbers "tell the banks that the checks have money in them" and that he's going get himself a good printer and change these numbers around.
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Sep 12, 2014 12:08
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Mantle posted:And why is that relevant to this thread? Possibly because it is my avatar and I had been posting recently.
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Sep 12, 2014 12:57
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Boris Galerkin posted:You know how jobs give you paychecks "with numbers on the bottom?" He's figured out that these numbers "tell the banks that the checks have money in them" and that he's going get himself a good printer and change these numbers around.  That's a pro counterfeiter right there.
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Sep 12, 2014 14:33
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Boris Galerkin posted:But today I heard a new one. Some guy was talking about how his job paid him in prepaid Visa cards cause of some conspiracy to "get rid of money." He was talking about this great idea he had too. You know how jobs give you paychecks "with numbers on the bottom?" He's figured out that these numbers "tell the banks that the checks have money in them" and that he's going get himself a good printer and change these numbers around. The answer to your money problems: check fraud.
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Sep 12, 2014 17:48
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MickeyFinn posted:The answer to your money problems: check fraud. Living expenses are low in jail, it's true!
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Sep 12, 2014 17:54
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KYOON GRIFFEY JR posted:Living expenses are low in jail, it's true! If you don't know the value of money outside of prison, you're just setting yourself up to be hustled in Oz. Bitch traded 10 whole menthols for an extra dessert, what a rube 
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Sep 12, 2014 20:37
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KYOON GRIFFEY JR posted:Living expenses are low in jail, it's true! Did you know that they will pay you to be there??
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Sep 12, 2014 23:15
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Don't forget the fact that you could very well come out of prison with a better physique than you have now. Plus, free sex.
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Sep 12, 2014 23:20
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Down with prison chat, up with car chat. Saw this while browsing AI: some poor guy buys a 9 year old V12 Benz for more than half his annual salary, and records its hilarious litany of problems: http://mbworld.org/forums/s-class-w220/429206-my-first-s-class-deposit-paid-secure-2003-s600.html I thought about posting it in the schadenfreude thread but there were no gifs of ball torture.
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Sep 13, 2014 04:38
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| # ? May 16, 2024 00:45 |
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No, down with car chat too
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Sep 13, 2014 11:16
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