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Credit cards work internationally. Surely there is some card that drops the fees on international transactions? In fact I know some banks offer those cards, we've traveled to oz and looked into it but the fees didn't bother me enough. I am probably missing something here, sorry if I sound dense.
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Mar 17, 2015 05:47
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BossRighteous posted:Credit cards work internationally. Surely there is some card that drops the fees on international transactions? In fact I know some banks offer those cards, we've traveled to oz and looked into it but the fees didn't bother me enough. They do, but you get the credit card's not-awesome exchange rate. I also then have to pay it off using funds in the US (or eat a second unfavourable exchange rate paying from my Australian account). I've got USAA and they are comparably quite good (very competitive exchange rate and reimburse for foreign ATM fees), but since I'm aiming to be here long term it's worth the upfront hassle to set something up so I don't get nickle-and-dimed by fees/exchange rates indefinitely, and don't have to leave much money in the US (basically just enough for online shopping + emergency funds in case I need to make an unexpected trip back).
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Mar 17, 2015 06:32
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Pompous Rhombus posted:They do, but you get the credit card's not-awesome exchange rate. I also then have to pay it off using funds in the US (or eat a second unfavourable exchange rate paying from my Australian account). I've got USAA and they are comparably quite good (very competitive exchange rate and reimburse for foreign ATM fees), but since I'm aiming to be here long term it's worth the upfront hassle to set something up so I don't get nickle-and-dimed by fees/exchange rates indefinitely, and don't have to leave much money in the US (basically just enough for online shopping + emergency funds in case I need to make an unexpected trip back). I'm pretty sure "no foreign transaction fees" means you get the spot rate.
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Mar 17, 2015 06:42
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Yeah I would do chase sapphire if you qualify, it's a good card especially if you travel.
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Mar 17, 2015 06:45
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Mantle posted:I'm pretty sure "no foreign transaction fees" means you get the spot rate. Ah, thanks for clearing that up. I haven't used my credit cards for many overseas purchases due the nature of countries I've traveled in, typically just withdraw cash and spend that. Jeffrey of YOSPOS posted:Yeah I would do chase sapphire if you qualify, it's a good card especially if you travel. That'd be good for traveling overseas, but again, I'm planning to stay and live/work here indefinitely, which is why I'd prefer to get a locally-issued CC.
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Mar 17, 2015 06:51
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This obsession with credit score 
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Mar 17, 2015 06:56
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My dad sent an email to the whole family today with the subject, "my new baby" and this link. On 7/21/14, about eight months ago, he sent a similar email with the subject "my new SUV", and this link. He was vocal about how much he hated the car. Going to take the depreciation hit right on the loving chin.
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Mar 17, 2015 10:02
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He bought a poor man's luxury vehicle and then upgraded to Ford that looks like an old scrotum? That's a lot of money being thrown away on lovely vehicles that look really bad.
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Mar 17, 2015 10:31
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have you driven a Ford lately?
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Mar 17, 2015 12:46
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Cultural Imperial posted:This obsession with credit score I feel like the only people who care about their credit score are the ones who shouldn't be able to get any credit. The exception of course being getting a mortgage where it influences your APR.
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Mar 17, 2015 13:34
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I just want to be able to lord it over people who are bad with money. Who doesn't?
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Mar 17, 2015 13:36
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AgrippaNothing posted:have you driven a Ford lately? Those Fords are actually pretty nice. And while it's not good with money to vehicle hop constantly, sometimes you can actually make money doing it, and SOMETIMES you can get a better deal on a new vehicle than the same vehicle used due to incentives and timing of purchase. But I'm going to assume that literally none of that applied to his father.
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Mar 17, 2015 13:44
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Who the gently caress pays 50 grand for a well appointed Ford? Christ.
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Mar 17, 2015 14:38
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Radbot posted:Who the gently caress pays 50 grand for a well appointed Ford? Christ. The list was 38.6k? Tax and title couldn't possibly make the difference so I don't know where you are getting that. I rent cars constantly and I genuinely like the Focus, as in it's one of my favorites...way superior to a Toyota imo. I think it says a lot about how well Ford Motor Co. Is doing these days that car-whore dads are ditching classic status symbols like BMWs for a Ford. It also demonstrates how this dumb country has 880billion in car debt.
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Mar 17, 2015 15:19
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AgrippaNothing posted:
But look how much truck equity we're building!
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Mar 17, 2015 15:35
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Nocheez posted:But look how much truck equity we're building!
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Mar 17, 2015 16:00
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AgrippaNothing posted:The list was 38.6k? Tax and title couldn't possibly make the difference so I don't know where you are getting that. I was referring to the fact that it's not hard to make an Explorer 50k and that that is insanely retarded (this is with no accessories but otherwise optioned out):  Also very few status conscious folks are ditching BMW, Lexus, etc.
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Mar 17, 2015 16:26
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Radbot posted:I was referring to the fact that it's not hard to make an Explorer 50k and that that is insanely retarded (this is with no accessories but otherwise optioned out):
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Mar 17, 2015 16:45
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Radbot posted:I was referring to the fact that it's not hard to make an Explorer 50k and that that is insanely retarded (this is with no accessories but otherwise optioned out): A similarly equipped BMW would cost you something like 80k, so it is still way cheaper. Also those Explorer Sport ecoboost things are pretty danged fast and very comfortable. New cars in general are going to be "bad with money" but the Ford is at least better value.
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Mar 17, 2015 17:31
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Devian666 posted:He bought a poor man's luxury vehicle and then upgraded to Ford that looks like an old scrotum? That's a lot of money being thrown away on lovely vehicles that look really bad.
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Mar 17, 2015 18:16
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Pompous Rhombus posted:They do, but you get the credit card's not-awesome exchange rate. I also then have to pay it off using funds in the US (or eat a second unfavourable exchange rate paying from my Australian account). I've got USAA and they are comparably quite good (very competitive exchange rate and reimburse for foreign ATM fees), but since I'm aiming to be here long term it's worth the upfront hassle to set something up so I don't get nickle-and-dimed by fees/exchange rates indefinitely, and don't have to leave much money in the US (basically just enough for online shopping + emergency funds in case I need to make an unexpected trip back). I got a foreign credit card with a $15k limit just based on my direct deposit to my local bank. My stateside bank wouldn't increase my limit above $1500 (and my credit record is just fine). Australia isn't as credit-score-obsessed like we are, you may be able to open a card easily with your local bank as long as you have direct-deposit income. The hardest part about international banking as an American is opening any account in the first place, but if you can find a bank to take you then the credit might be an easier matter. Note you will probably not be allowed to open a brokerage account with a foreign bank due to the FATCA requirements.
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Mar 17, 2015 18:36
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Radbot posted:I was referring to the fact that it's not hard to make an Explorer 50k and that that is insanely retarded (this is with no accessories but otherwise optioned out): To be fair, a similarly optioned BMW X5 runs $70-75k E: beaten hard
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Mar 17, 2015 18:45
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Pompous Rhombus posted:(I've read about this as a viable workaround in Japan through AMEX, where foreigners face similar obstacles to getting credit cards.) I opened a UK Amex, moved to Canada 6 months later and was able to get a Canadian Amex with the equivalent credit limit in CAD as my UK card. This is an excellent way to jump-start your credit rating in a new country.
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Mar 17, 2015 19:12
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I just received the funniest e-mail from a casino I stayed at a few years ago:Golden Nugget Casino posted:THE BEST WAY TO USE YOUR TAX RETURN?
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Mar 17, 2015 20:21
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Nocheez posted:I just received the funniest e-mail from a casino I stayed at a few years ago: Haha I got that too, was gonna screencap it after work
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Mar 17, 2015 20:42
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edited for personal bad with money - doesn't belong in thread.
silicone thrills fucked around with this message at 01:41 on Mar 18, 2015 |
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Mar 17, 2015 21:01
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you bought a $60,000 car that you use as an occasional recreational vehicle im not sure youre allowed to call anyone elses car bad with money. and another car that costs what $30-$40k so you can ride the bus 99% of the time. good with money.  (its all about what you can afford, but if youre going to come in the thread and bash someone's car purchases and youre sitting on 90-100k of occasional use vehicles...)
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Mar 17, 2015 21:30
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Anyone who buys a thing I wouldn't is bad with money. Anyone who wouldn't buy a thing I have is living an absurd pauper's life.
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Mar 17, 2015 21:33
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xie posted:you bought a $60,000 car that you use as an occasional recreational vehicle im not sure youre allowed to call anyone elses car bad with money. That is correct. Both of my cars are paid off and we live very comfortably. It is all about what you can afford. I'm just shocked that anyone would like a ford suv and willing to pay as much as a very nice luxury car.
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Mar 17, 2015 21:38
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Tigntink posted:That is correct. Both of my cars are paid off and we live very comfortably. It is all about what you can afford. I'm just shocked that anyone would like a ford suv and willing to pay as much as a very nice luxury car. That Explorer is pretty sweet though. 3.5L Twin Turbo. Not everyone wants to buy for sheer comfort. I think I'd take a loaded Jeep Grand Cherokee though. My old ludicrously rich boss had a fully loaded one, and it had like built in air bags to adjust the lift for better handling on the street, or better clearance for off road. Anecdotal but I've driven quite a few Ford vehicles and they've always been reliable for me. 1996 Explorer, 2004 F-150, 2011 Fusion. The worst thing about maintaining them that I've experienced has always been the alternator because Ford alternators are expensive. I've heard far worse about the reliability of luxury cars. My Infiniti constantly had problems for example. e: millionaire's vehicles statistics: https://books.google.com/books?id=l...%20f150&f=false Knyteguy fucked around with this message at 01:27 on Mar 18, 2015 |
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Mar 17, 2015 22:04
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xie posted:you bought a $60,000 car that you use as an occasional recreational vehicle I don't know if this is really bad with money, since I don't know how rich the guy is, but that reminds me of someone. There's an older guy who goes to a couple of the same karaoke joints I go to. He doesn't sing, but he'll hit two or three shows in one night and watch those of us who do sing. He doesn't dress flashily, and he doesn't wear a bunch of bling. He talks about things like the best places to get cheap breakfasts around town. He drives what appears to be a brand-new yellow Lamborghini. I'd be shocked if it's a year old. From talking to him, I don't get the feeling he's exactly tearing up the club scene or anything. Karaoke and breakfast are the only things he ever talks about. I'm pretty sure the guy uses his $400,000 car almost exclusively for going out to listen to people sing karaoke, and grabbing the occasional $5.99 steak and eggs on the way home.
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Mar 17, 2015 22:42
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Tigntink posted:I bought a custom 2011 lexus 450h for 60,000 new. Mainly because its the only suv I found that doesn't feel ginormous and is easy to park around downtown Seattle.
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Mar 18, 2015 00:46
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AgrippaNothing posted:Perhaps you'd be happier in Bellevue.
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Mar 18, 2015 00:47
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AgrippaNothing posted:Perhaps you'd be happier in Bellevue. Well that's hurtful.
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Mar 18, 2015 00:52
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Tigntink posted:Well that's hurtful.
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Mar 18, 2015 01:06
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Cicero posted:This sort of urbaner-than-thou elitism is bad and dumb. Look, if your stop signs just say "stop" on them*, you're not living in a real city. * as opposed to "Stop Eating Animals", or my personal favorite "Stop Defacing Stop Signs"
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Mar 18, 2015 01:15
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You wandered into a thread and touted how smart you were buying a big expensive SUV and then had the gall to whine about parking your smart with money seat rememberer (OMG we have to have that, think of the moments saved). Your post was pretty lol. You deserved the Bellevue comment. Maybe it's a wake up call or maybe you should just get thicker skin if you are going to wander in an humble brag your Car Choices, which are pretty spendy by an average earner matrix. PS. Ford is pretty good. Sorry the seats don't welcome you back, Driver Tigntink when you enter the vehicle
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Mar 18, 2015 01:16
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My favorite rental car recently is the Ford Taurus. For SUVs, it's the Edge. Ford really turned it around. I'm not a fan of the entertainment system though.
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Mar 18, 2015 01:19
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Yup, it was a splerg but when I went to Cupcake Royale and found that a box of 12 fit so perfectly on the front seat, we knew we made the right decision! You don't even have to secure it when barreling up the hills in Magnolia! You know, sometimes the universe just sends you a message and it's like....
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Mar 18, 2015 01:22
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AgrippaNothing posted:You wandered into a thread and touted how smart you were buying a big expensive SUV and then had the gall to whine about parking your smart with money seat rememberer (OMG we have to have that, think of the moments saved). I've watched a ford escort die from transmission troubles, a ford tempo with the same issues. My 1993 for explorer was ok, i spent alot of time coasting it for gas mileage but it pinballed on i90. Sorry man, just not a fan. Spent way too much time in junk yards trying to grab working pieces. It's been really nice to own a car that hasn't broken down in 6 months. And if you can't understand why I would say "I don't get why someone would buy a car with X trim level for X price when X trim level is available at a very similar price point..." well maybe you should be less of a sperg.
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Mar 18, 2015 01:22
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