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Randler posted:I'm not exactly sure why Apple stock would go down because of Greece. It wasn't because of Greece, it was because every times Apple announces earnings they always post fantastic results and yet the "analysts" always expect even bigger miracles so there is a ~5% drop and then it recovers over the next few days. Seriously it happens every drat time and if I were (more of) a gambling man I'd put money on it. Instead I just hold my long position and watch it continue to creep up over time. Apple is still in amazing fantastic shape with record revenues and profits and still has a near-all-time-high stock price. The guy doesn't know what he's talking about and comes off as neurotic. He did say he's leveraged up on margin, so I guess even a temporary drop like that could trigger a margin call depending on the situation and that might keep me up at night. But that's why I don't buy on margin...
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Jul 23, 2015 19:03
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Guinness posted:Now this is what I read this thread for. I only learned of this thread a little while ago when someone in AI brought it up. It is immensely satisfying to read, more than it should be. If they had a divining rod to point them towards stocks of "what could have been" I would just send them a graph of Netflix stock for the last 2 years and Chipotle graph of 5 years without any explanation and watch them implode.
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Jul 23, 2015 19:30
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Today I learned that my husband is bad with money, or at least absent minded to the point of financial loss. Backstory: Decades ago, my aunt was abused by her husband. She was unable to escape for years because she had no access to any money. When I became an adult she made me promise to always have an account somewhere with emergency money that only I can access. I thought it sounded like a reasonable thing to have, even just acting as a secondary emergency fund, so I made one for me and suggested my then-fiance have one as well. Everything was going great until today I was trying to track down some monthly expenses for my budget spreadsheet and asked him to log into his personal account, maybe they had been pulling from there by mistake. He logged on only to discover that our bank has been pulling $20 fees from his emergency account every month for the past 11 months. He had no idea. Not once in the past year had he ever logged into our banking website. Ever. Not once!! So now we are out $220 for no reason. I have no idea if I'll be able to talk them into getting that back. The fees are for not having enough money across all our "linked" accounts - we have plenty among all of our accounts in total, but somehow they became unlinked last year. I have no idea why and this always seems to happen when we make any sort of change to an account... ugh. Chase blows. I've wanted to use a Credit Union for a while now, but everything was so convenient and familiar, I didn't want to upheave it for a few bucks of interest. Starting to ponder now...
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Jul 23, 2015 20:14
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Logging into a bank account that you never withdraw from is one of those things that seems like it should not be necessary, at least in a reasonable society. Really it's a pretty good argument for using Mint and letting that do the logging in for you.
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Jul 23, 2015 20:24
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Jeffrey of YOSPOS posted:Logging into a bank account that you never withdraw from is one of those things that seems like it should not be necessary, at least in a reasonable society. Really it's a pretty good argument for using Mint and letting that do the logging in for you. I agree with this. Mint is really bad as far as budgeting, etc. but it's great for seeing where all my accounts are at a glance.
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Jul 23, 2015 20:27
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Mint has been having trouble with accessing 3 out of my 9 accounts tied to it. It's always emailing me telling me it can't access them, so I log in to update the password info and it still freaks out that it can't log into them. I'm not sure what the problem is, but I've stopped using Mint for very much other than the occasional "I wonder what the pie chart of expenses looks like this month!" because of it. On the bright side, I shouldn't have said "we" lost $220. That's his my-wife-is-a-crazy-bitch-run-awayyyyy account, not mine. So.  vvvv exactly Damn Bananas fucked around with this message at 21:01 on Jul 23, 2015 |
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Jul 23, 2015 20:37
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If Mint could ever manage to log into all my accounts without making GBS threads the bed, stop randomly making my transfers seem like income one month, then payments the next, and generally just work right, I would love it. As it is, it's just the place where I keep all my info so hackers can steal my whole identity in one convenient place.
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Jul 23, 2015 20:43
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If Mint isn't working for that, you can also try Personal Capital. PC isn't as good for tracking expenses/breaking down spending/budgeting, but it's fine for seeing what your accounts are at at a glance and for looking at a basic combined list of transactions.
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Jul 23, 2015 20:52
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Cicero posted:PC isn't as good for tracking expenses/breaking down spending/budgeting, This is pretty damning, because Mint's pretty bad at those things. I gave up when I found out that an HOA maintenance fee I paid every month was always classified as an ATM maintenance fee for some reason and flagged with a "holy poo poo you're paying 400 a month for ATM fees!" siren 
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Jul 23, 2015 21:06
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mint still can't figure out that the big payment each month goes under "mortgage/rent", though it did figure out that atm withdrawals go under "weed"
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Jul 23, 2015 21:07
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Nail Rat posted:This is pretty damning, because Mint's pretty bad at those things. The premise is a bit different though the function is similar. Mint seems more focused on checking and similar accounts, while PC is more focused on investment and retirement accounts, although there is overlap between each product.
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Jul 23, 2015 21:31
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Nail Rat posted:This is pretty damning, because Mint's pretty bad at those things. I've found if you correct these mis-classifications, Mint is pretty good at correcting them in the future. Usually when it tells me it can't log on to an account, there's some automated message/reminder on that account that I have to go log directly onto, check off once and then it's good again. Mint is pretty great at the things it's good at, and you just have to ignore the things it's bad at.
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Jul 23, 2015 21:55
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Mint isn't perfect, not by far, but really I have very few problems with it. It works 99%+ of the time with all my checking/savings accounts at BECU and CapitalOne 360, all my brokerage/retirement accounts at CapitalOne Investing, Vanguard, Fidelity, and HealthEquity, and all my credit cards at Citi, Chase, USBank, and BECU. When I had student loans it worked great with the Federal student loans site. Connectivity problems almost always last less than 24 hours. If it lasts longer than that it's usually something dumb like a splash screen I need to go click-through on the bank website (not Mint's fault). Yes, you have to sometimes recategorize transactions. It takes like 5-10 minutes of maintenance once a week, which is a good opportunity to review your week's transactions for correctness and anything suspicious anyway. Yes, sometimes it seems to learn about a recurring transaction that you always recategorize, and sometimes there's a stubborn one that for whatever reason always has to be done manually. Still beats the hell out of having to manually enter transactions. If someone has a better alternative for automatically linking and tracking all my financial accounts I'm all ears, but really for what it is Mint is loving great. Considering that it works with hundreds of financial institutions all based effectively on page scraping is incredible. Until it becomes common practice for banks to have real APIs for extracting data (not holding my breath) there really isn't a better automated option. Guinness fucked around with this message at 22:19 on Jul 23, 2015 |
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Jul 23, 2015 22:16
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Why spend money on a dentist when you can buy fish penicillin from the pet store and spend your money on internet drugs.quote:So 2 weeks ago i made a post looking for antibiotics for a massive tooth infection in my mouth. I was getting ready to score some pakistani bootleg meds until a few people suggested i go to the pet store and grab some FISH PENN FORTE 500mg Penicillin. It turned it to a huge debate on how risky it was. Someone was convinced i was going to grow gills. A few people thought i was gunna die but it the end everything worked fine!
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Jul 23, 2015 22:20
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Yeah Mint does really well on bank account and credit card accounts for me (granted I use only large companies currently, not credit unions), the only issue I had was mint seems to suck with student loan companies, and about 2-4 times a month it will have a temporary problem with Fidelity that I just ignore. I turned off the student loan companies and manually monitor them and I haven't had a big issue since. Also, Mint + One Password (or similar program) is a great idea on the protect your info debate. Edit: Sepherothic posted:Why spend money on a dentist when you can buy fish penicillin from the pet store and spend your money on internet drugs.  that is terrifying. Duckman2008 fucked around with this message at 22:23 on Jul 23, 2015 |
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Jul 23, 2015 22:21
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Guinness posted:If someone has a better alternative for automatically linking and tracking all my financial accounts I'm all ears, but really for what it is Mint is loving great. Considering that it works with hundreds of financial institutions all based effectively on page scraping is incredible. Until it becomes common practice for banks to have real APIs for extracting data (not holding my breath) there really isn't a better automated option. That's just it, there's not a better automated solution, but with a little bit of time invested, for actual budgeting nothing really beats a spreadsheet that you update manually once in awhile as long as you remember roughly what you spent in certain areas. Once you know your recurring expenditures, there are only a few rows you need to care about. And it's not constantly trying to sell me stupid bullshit and offering absolutely terrible financial advice. Oh, and I can make my fiscal months start when I want them to start...something I can't believe Mint doesn't have yet. I budget/do personal financial forecasting with a spreadsheet. I take a glance at balances and reconcile transactions (where the gently caress did that $100 go?!) with mint. Nail Rat fucked around with this message at 22:31 on Jul 23, 2015 |
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Jul 23, 2015 22:28
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Jul 24, 2015 00:50
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I love everything about that post  it's... It's perfect.
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Jul 24, 2015 01:10
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$29,000.00.
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Jul 24, 2015 01:19
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Not necessarily bad with money.
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Jul 24, 2015 01:24
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Just when you thought the Star Citizen saga couldn't get crazier or even more BWM, someone comes along and sets the new standard for crazy and BWM.
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Jul 24, 2015 01:35
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n8r posted:Not necessarily bad with money. Spending $29, 000 may not be bad with money. Setting it on fire, though...
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Jul 24, 2015 01:38
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n8r posted:Not necessarily bad with money. Except the game is unlikely to be finished or function better than a Derek Smart game. That post he made is $29k worth of being worried about the game never coming out.
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Jul 24, 2015 02:11
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I'm really glad I managed to use the grey market of Star Citizen ship resale on reddit to go from spending an embarrassing $415 on this game, or about 6-7 times as much as I've ever spent on any game including expansions, to netting just over $300 in total profit off of selling my 3 ships--AFTER middleman fees and buying back in with a $20 ship claimed through an AMD/ATI promotional code I bought which came with certain graphics cards. I transmuted BWM into gold!
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Jul 24, 2015 03:22
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My coworkers have been excited lately about an app that lets you buy and trade stocks without fees. One who's not particularly bright heard about it yesterday and came in today, proudly telling us that he'd invested a thousand dollars. I'll try and get updates as his fortune dwindles.
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Jul 24, 2015 04:06
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Sepherothic posted:Why spend money on a dentist when you can buy fish penicillin from the pet store and spend your money on internet drugs. I had an abscess once from a tooth infection, and while waiting for the doctors appointment I would have gladly cut into that fucker on my own to have a decent night's sleep. Me not taking advantage of the dental part of my insurance for too long is my personal bad with money/life thing. Ended up with me spending a lot of money to solve what could have been prevent by going to the dentist. But holy hell, fish penicillin. Oh my god, someone in that thread did home surgery on a pilonidal cyst. CitizenKain fucked around with this message at 04:16 on Jul 24, 2015 |
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Jul 24, 2015 04:13
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CitizenKain posted:I had an abscess once from a tooth infection, and while waiting for the doctors appointment I would have gladly cut into that fucker on my own to have a decent night's sleep. Are you sure they aren't us? Home surgery on something you pretty much only get from being fat and hairy seems like the gooniest thing.
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Jul 24, 2015 04:34
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NancyPants posted:Are you sure they aren't us? Home surgery on something you pretty much only get from being fat and hairy seems like the gooniest thing. As a community, I think we peaked at DIY gynaecology.
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Jul 24, 2015 04:53
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I'm pretty impressed with the inventiveness. I would have maybe gone the feed store livestock pill route, but fish penicillin is a new one. But yeah, there's a certain kind of individual with no insurance and a cyst/toothache/festering wound that wound rather use a razor blade heated over a bic lighter than go to the doctor and pay $1000. I say this as someone who was often asked to wield said razor - I can't tell you how many post football eyebrow gashes I've superglued together. But yeah, bad with your goddamn health.
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Jul 24, 2015 05:50
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Mocking Bird posted:I'm pretty impressed with the inventiveness. I would have maybe gone the feed store livestock pill route, but fish penicillin is a new one. Penicillin is penicillin, it all comes from the same bacteria. Granted I would be concerned that the manufacturing specifications for penicillin tabs intended fish may not be quite as rigid as that destined for humans, but I guess if I was in enough discomfort I'd take the chance.
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Jul 24, 2015 06:11
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FrozenVent posted:As a community, I think we peaked at DIY gynaecology. Lol is this real? What is the story behind it?
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Jul 24, 2015 06:43
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jaymeekae posted:Yeah the law requires the APR to be stated. I work at a place that requires some kind of proof of address (plasma center) and someone brought in some loan paperwork in order to donate. They borrowed $300 bucks, but the APR was stated at 304%. It had a 12 month term and was going to end up being over $1000 total by the time it was paid off. Guess I can see why she needs to donate plasma.
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Jul 24, 2015 11:29
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Mantle posted:Lol is this real? What is the story behind it? E/N poster removed their partial hymen with a pair of scissors. Supplied MS Paint illustrations to demonstrate.
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Jul 24, 2015 13:27
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darkwasthenight posted:E/N poster removed their partial hymen with a pair of scissors. Supplied MS Paint illustrations to demonstrate. 
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Jul 24, 2015 14:50
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darkwasthenight posted:E/N poster removed their partial hymen with a pair of scissors. Supplied MS Paint illustrations to demonstrate. I had believed that life had jaded me into not being shocked, I was wrong.
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Jul 24, 2015 14:52
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darkwasthenight posted:
 I really really wish I hadn't read that. Please spoiler and NMS things like this, dude!!
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Jul 24, 2015 15:26
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I don't know if it makes it better or worse, but their partner is the one who wielded the scissors. At least that probably helped with visibility.
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Jul 24, 2015 15:34
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Honestly didn't think it would get that kind of reaction, I was around for GE Cafe so might have a different bar for horrendous medical confessions in E/N. It really wasn't that bad the way she phrased it, but apologies for the derail. My friend and bandmate is probably a thread candidate. He inherited 20 grand GBP and blew threw most of it in a year staying at hotels and drinking. He'd go out of town for dinner, spend a couple of hundred a night on food and beer and then book a hotel because he didn't fancy getting the train home. At least he didn't go into debt and had fun, but he could have put it to much better use.
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Jul 24, 2015 16:34
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I have a co-worker who I am finding out is terrible with money. A couple months ago he went to a storefront for his cellphone provider, had someone there enable mobile data and racked up a $860 bill the next month. I was talking to him yesterday about his condo and he tells me that he pays $147 bi weekly on the mortgage plus $312 in management fees every month. He is so bad at budgeting I think I have only ever see him wear four different shirts and someone in the office pities him to the point of bringing him meals pretty much every weekend. But is there money for beer and smokes? YOU BET!
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Jul 24, 2015 17:09
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Antifreeze Head posted:I was talking to him yesterday about his condo and he tells me that he pays $147 bi weekly on the mortgage plus $312 in management fees every month. $294 a month, even with $312 management fees, is super cheap for a mortgage.
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Jul 24, 2015 17:14
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