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Many credit unions are part of partnerships that get free atm use at all other credit unions in the network. Mine in Michigan gives me free atm use at the atm in 7-11s too, of all places.
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May 16, 2015 20:14
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| # ? May 18, 2024 00:20 |
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Aggro posted:Couple of questions:
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May 17, 2015 00:26
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10 debit purchases, direct deposit, and e-statements? The horror!
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May 17, 2015 04:13
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any debit purchase is a horror indeed.
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May 17, 2015 05:00
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Aggro posted:Couple of questions: http://forums.somethingawful.com/showthread.php?threadid=2734807&perpage=40 Aggro posted:Our home mortgage comes with a requirement that we have to open an account with the credit union and make payments from that account in order to get a 0.125% decrease in the loan. Most of the credit unions we spoke to offered that. However, this is a small, local credit union, so there are like two ATMs in the whole state. They have a "max checking" account that offers 3% APY up to $15k provided that I make 10 debit card purchases a month, set up direct deposit, and get e-statements. That seems like an obnoxious burden to make, at most, $450/yr. So, I'm more inclined to just open an account and set up an automatic transfer from B of A each month. Not really. BoA is awful, a credit union will treat you much better, on average. Also, $450 is a fair bit of money. I don't know/care how much you make... But think about it in terms of your hourly income. An hour or two, at most, to set up a few auto debits and transfers should be worth it to reap what I would imagine is roughly half of a mortgage payment, or more. Dead Pressed fucked around with this message at 14:06 on May 17, 2015 |
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May 17, 2015 12:35
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MrKatharsis posted:10 debit purchases, direct deposit, and e-statements? The horror! I buy a breakfast sandwich for $1.41 in the cafeteria every morning which gets my transactions covered. But yes using a debit card is dumb if the option to use a credit card is available to you
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May 18, 2015 22:00
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Aggro posted:Couple of questions: http://forums.somethingawful.com/forumdisplay.php?forumid=210 DIY & Hobbies is pretty helpful. edit beaten. New page threw me off.
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May 18, 2015 23:14
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BEHOLD: MY CAPE posted:I buy a breakfast sandwich for $1.41 in the cafeteria every morning which gets my transactions covered. But yes using a debit card is dumb if the option to use a credit card is available to you Why? Because you're missing points? One percent back is like a million spots down on the list of smart things you could be doing with money. Goony ubernerds love it though because they can min max it and be just like their WoW character.
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May 19, 2015 01:32
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MrKatharsis posted:Why? Because you're missing points? One percent back is like a million spots down on the list of smart things you could be doing with money. Goony ubernerds love it though because they can min max it and be just like their WoW character. If someone steals your debit card and runs up fraudulent charges, the money is gone from your checking account while the fraud investigation gets resolved.
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May 19, 2015 01:35
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Not really a concern? I'm not liable for it either way.
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May 19, 2015 01:41
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MrKatharsis posted:Not really a concern? I'm not liable for it either way. I'd prefer not to risk having my checking account emptied at any time, even if I will get the money back in the end. Also, 2% of my total expenditures per year is at least in the hundreds of dollars, which, while not exactly life changing, is pretty nice to get for "free". Over a 10-year span that's at least a few thousand. I tend not to turn down free hundreds of dollars when possible. Dessert Rose fucked around with this message at 01:47 on May 19, 2015 |
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May 19, 2015 01:44
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MrKatharsis posted:Why? Because you're missing points? One percent back is like a million spots down on the list of smart things you could be doing with money. Goony ubernerds love it though because they can min max it and be just like their WoW character. If you think 1% back is the best you can do on a credit card then I don't think you really know what you're criticizing.
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May 19, 2015 02:16
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pig slut lisa posted:If you think 1% back is the best you can do on a credit card then I don't think you really know what you're criticizing. Companion pass club!
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May 19, 2015 03:32
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MrKatharsis posted:Not really a concern? I'm not liable for it either way. Are you sure? Generally the policy is the bank covers 100% of loss if you notify within 2 business days, something like 90% if within 3, and 50% in 5. That's probably not exact but it definitely makes me want to use a credit card over a debit card. I'm pretty religious about reviewing my bank account activity, but 2 business days isn't much time.
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May 19, 2015 03:50
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Knyteguy posted:Are you sure? Generally the policy is the bank covers 100% of loss if you notify within 2 business days, something like 90% if within 3, and 50% in 5. That's probably not exact but it definitely makes me want to use a credit card over a debit card. I'm pretty religious about reviewing my bank account activity, but 2 business days isn't much time. The policy is nothing like that; the amount you are responsible for is $0 if you used a Visa/MC (debit or credit) card and didn't enter your PIN, and it's also 0 for a debit card with a PIN if you notify the bank within 2 days of you noticing the card is missing. The limit increases to $500 if you wait until after 2 days you realize the card is missing but within 60 days after the first statement appears. That's the federal law, but realistically: http://usa.visa.com/personal/security/zero-liability.jsp http://www.mastercard.us/zero-liability.html Bisty Q. fucked around with this message at 04:07 on May 19, 2015 |
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May 19, 2015 04:05
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Bisty Q. posted:The policy is nothing like that; the amount you are responsible for is $0 if you used a Visa/MC (debit or credit) card and didn't enter your PIN, and it's also 0 for a debit card with a PIN if you notify the bank within 2 days of you noticing the card is missing. Yea that's what I was referring to. I didn't realize that Visa still covered for a debit card however. That's good to know, as I was thinking of getting a credit card just for the protection.
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May 19, 2015 04:41
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Back in the dark days when I was wandering the personal finance wildlands (it's not like I had debt or anything, I just underspent my income so much that everything went into an ever-expanding checking account) I found out that I had been getting charged like $60/month by Experian for...something? This had gone on for like 11 months and I just never noticed since I rarely looked at bank stuff back then, and this was on a secondary checking account I looked at even less frequently. My bank made me whole on every single bad charge. Dunno if this was because of some banking regulation or they were just being nice, but in any event I appreciated the ~$700. The happy postscript is that I'm much savvier with my finances now and so nothing like that will escape my notice for a week, let alone nearly a year.
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May 19, 2015 05:31
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Is there a good way to electronically transfer money monthly to another person's bank account without fees? My bank offers "Popmoney" which I think charges a dollar per transaction, but I'm more interested in zero. Right now I use my bank's free bill pay feature that mails a check to the recipient. I'm hoping to save him a monthly trip to the bank. I wonder if you guys know of a good way to do it. PayPal gifting maybe?
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May 19, 2015 17:41
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Bellagio Sampler posted:Is there a good way to electronically transfer money monthly to another person's bank account without fees? My bank offers "Popmoney" which I think charges a dollar per transaction, but I'm more interested in zero. Or, if the guy trusts you he can give you his account number and routing number and you can set up ACH transfers at your bank.
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May 19, 2015 17:47
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I might be misremembering but sometimes you can send money directly if you both share the same bank. I think capital one 360 (formerly ING direct) does this. You could ask him what bank he has and then open an account there if they allow that.
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May 19, 2015 18:37
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Is that not a thing in the US? Here in the UK we can just set up a regular standing order to any other account free of charge. Weird.
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May 19, 2015 19:12
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Bellagio Sampler posted:Is there a good way to electronically transfer money monthly to another person's bank account without fees? My bank offers "Popmoney" which I think charges a dollar per transaction, but I'm more interested in zero. I use Google wallet for this. Works great, free, integrated with gmail.
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May 19, 2015 19:17
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Lady Gaza posted:Is that not a thing in the US? Here in the UK we can just set up a regular standing order to any other account free of charge. Weird. Buck fifty in Canada. 
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May 19, 2015 19:20
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At my credit union if you set up ACH to another account you can also request funds from that account.
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May 19, 2015 20:08
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Lady Gaza posted:Is that not a thing in the US? Here in the UK we can just set up a regular standing order to any other account free of charge. Weird. All the large banks can do it.
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May 19, 2015 20:21
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Bellagio Sampler posted:Is there a good way to electronically transfer money monthly to another person's bank account without fees? My bank offers "Popmoney" which I think charges a dollar per transaction, but I'm more interested in zero. Not particularly useful for you, but Popmoney is actually pretty nice. I use it to send my Dad my portion of our wireless phone bill. He doesn't have to sign up for anything, confirm anything, or take any action whatsoever, it just shows up in his account. Ally Bank lets you send popmoney payments completely free though, I wouldn't actually use it for a $1.
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May 19, 2015 22:04
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So, I need some advice here. The problem is basically that our rent is too high for our projected income starting in October. So the options are to get a roommate or move. But we're very satisfied with our place and it's in a perfect spot for our plans so we don't want to move, but we can. The get a roommate scenario will return 40-50% of our rent+utilities, which makes the place sustainably priced. But to do that, we need to open up more common space so we need to buy a couch. We already tried a used couch, but the only place for it is the basement around a tight bend, and geometry beat us and we had to sell the couch back (for a $30 profit). There are no couches that will fit down the stairs on Kijiji in our area, so we have to buy a new one and it has to be flat-packed. So, ikea. The couch we're looking at is $1300. Buying the couch will save us 700-1000/month in rent and utilities, which sounds like a no brainer in favour of buying the couch. Should we buy the couch or just move out? I'm just staring at that number, though. This'll be the most expensive item I've bought since my laptop last year. And the used market is SO MUCH BETTER. 
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May 27, 2015 20:05
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BFC General/Daily discussion thread. Tuyop wants to pay $1300 for an IKEA couch. See if your new roommate will split the cost?
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May 27, 2015 20:11
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I couldn't imagine paying $1,300 for a couch, especially since it if has to be flat-packed to even fit there that means it probably isn't coming out of the place.MrKatharsis posted:See if your new roommate will split the cost? I would laugh at anyone who asked me to be a roommate and immediately hit me up for any significant portion of such a couch.
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May 27, 2015 20:20
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As someone who has spent entirely too much time at IKEA recently, which couch is $1,300 dollars? Because Wow. Needs to be flatpacked to move it in or just haul it to the house? Because if it's getting it to the house you can buy a 400 dollar couch and have it delivered for less than 100 bucks.
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May 27, 2015 20:22
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Post the couch tuyop.
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May 27, 2015 20:36
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This loving thing. http://www.ikea.com/ca/en/catalog/products/S09840644/#/S89840621 It's $1300 because it's huge. And it's actually not too bad if the reviews are to be believed. We went and sat in it yesterday. No Butt Stuff posted:As someone who has spent entirely too much time at IKEA recently, which couch is $1,300 dollars? Because Wow. To get it into the room (and out of when we leave in a few years). I've considered the alternative of buying three of the tiny versions on Kijiji and then basically glueing them together to create a couch of sufficient size. tuyop fucked around with this message at 20:45 on May 27, 2015 |
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May 27, 2015 20:43
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tuyop posted:I've considered the alternative of buying three of the tiny versions on Kijiji and then basically glueing them together to create a couch of sufficient size. Just buy two used ones and don't bother with the corner?
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May 27, 2015 20:50
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Sectionals are nice and all, but Jesus man, just settle for separate pieces.
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May 27, 2015 21:22
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Dead Pressed posted:Sectionals are nice and all, but Jesus man, just settle for separate pieces. Put a lamp in the corner. Or a small table. Or a tasteful nude sculpture.
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May 27, 2015 21:28
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Dead Pressed posted:Sectionals are nice and all, but Jesus man, just settle for separate pieces. That's not really the issue. We'd be fine with separate couches, the problem is finding a set of couches or single couch that can fit in the basement somehow and have enough space to comfortably accommodate another person. I'm going to go buy the couch but yeah, thanks for the reality check. 
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May 27, 2015 22:10
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Bought gtx 970, with the Canadian dollar and taxes it was $480. The dollar is making tech toys damned expensive.
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May 27, 2015 22:52
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Those karlstad couches are nice, I have one. I will caution you that they are not meant for hambeasts to plop onto. They have a design flaw where the bottom of the couch crossbar at front is held by bolts and captive nuts in the armrests. The wood used to hold this tension can best be described as kraklin oat bran. I had to fix mine with a 2x4, some saw cuts, and 4 inch roberts self tapping wood screws and an impact driver.
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May 29, 2015 15:56
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Taco Box posted:Those karlstad couches are nice, I have one. I will caution you that they are not meant for hambeasts to plop onto. They have a design flaw where the bottom of the couch crossbar at front is held by bolts and captive nuts in the armrests. The wood used to hold this tension can best be described as kraklin oat bran. I had to fix mine with a 2x4, some saw cuts, and 4 inch roberts self tapping wood screws and an impact driver. How have the cushions held up? I built it yesterday and it's really firm and comfortable, and I kind of like knowing that if it breaks I can just peel off the covers and patch it up. Not to mention separating the back from the bottom to move it easily. This fit in my Mazda hatchback in two trips:  Also, the total cost was only 1100 instead of 1300 for some reason.
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May 29, 2015 16:33
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I really hope your new roommate(s) don't barf and jizz all over it.
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May 29, 2015 18:17
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