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Do you plan on having children? If so cut the life expectancy of your furniture by 75%.
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Nov 26, 2018 03:43
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Children are the worst that way. Even my 19 year old is death incarnate to upholstery. Hence my choice to buy ikea rather than the couch I really liked 
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Nov 26, 2018 06:14
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Furniture, like clothes, go out of style. Don’t buy cheap, but don’t buy expensive, because you’ll want to change it all in five years or so. Your kids won’t want your kitchen table, no matter how grammable it was.
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Nov 26, 2018 14:17
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FrozenVent posted:Furniture, like clothes, go out of style. Don’t buy cheap, but don’t buy expensive, because you’ll want to change it all in five years or so. My parents remodeled and replaced their kitchen table. They offered their old granite-topped one to me, which was a HUGE upgrade over my lovely, cheap classrooms Craigslist starter table. Jumped on that, and I don't even have an Instagram account. 😱
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Nov 26, 2018 21:05
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The only relevant style change for furniture, as far as I care, is that I now have to buy with the expectation that I'll be moving it to a new apartment once every year or two. I'd love a giant granite-topped table. I just can't take it with me across the country every time I hop jobs.  quote:because you’ll want to change it all in five years or so. The BWM is coming from inside the thread! 
Sundae fucked around with this message at 22:15 on Nov 26, 2018 |
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Nov 26, 2018 22:13
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Sundae posted:The BWM is coming from inside the thread! Yeah, my couch is 12 years old and looks great. My GF sleeps on it all the time when I am out of town instead of our bed. It has the style that I would describe as very functional brown couch. My mattress is 10 years old and I am thinking it is time to replace though. I am not sure if my worse sleep is it, my GF, or what but I sleep great on nice hotel mattresses. I assume online mattresses are good (casper, etc.).
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Nov 27, 2018 02:28
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This actually looks like a terrible idea, don't sign up for this service. See more here: https://www.bloomberg.com/news/articles/2018-12-14/sipc-says-it-has-serious-concerns-about-robinhood-s-new-product Sirotan fucked around with this message at 18:14 on Dec 14, 2018 |
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Dec 13, 2018 17:10
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Sirotan posted:Robinhood is launching a new banking service, with a 3% APY interest-bearing checking and savings account. I've gotta wait for my Ally bonus money in January before I can potentially take advantage of this, but I did sign up for the wait list. Here is my referral link: https://share.robinhood.com/cs-VwhkhmVuDvLguCVuriQaLa (or here if you'd prefer a non-referral link)
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Dec 13, 2018 19:19
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Jeffrey of YOSPOS posted:FDIC insured? I'm tempted. Apparently no but it will be SIPC insured. Found more info on this: https://www.investopedia.com/investing/is-robinhood-safe/ I added myself to the wait list, not sure I'll actually pull the trigger when it's available. Their app had a major outage yesterday and there are a ton of pissed off users in r/robinhood right now which doesn't bode well for me.
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Dec 13, 2018 19:41
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No FDIC, no dice. Please don't put your rent and savings into that account. Let the market shake out for a few months and see what happens.
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Dec 13, 2018 19:49
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Yeah if you're not willing to keep your e-fund in a brokerage account invested in a money market fund, this is no different.
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Dec 13, 2018 20:07
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https://www.bloomberg.com/news/articles/2018-12-14/sipc-says-it-has-serious-concerns-about-robinhood-s-new-productquote:SIPC Says It Has Serious Concerns About Robinhood's New Product Welp!
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Dec 14, 2018 18:12
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spwrozek posted:Yeah, my couch is 12 years old and looks great. My GF sleeps on it all the time when I am out of town instead of our bed. It has the style that I would describe as very functional brown couch. I used Sleep like the dead's guides to help me determine what I think I'd like. I ended up buying a memory foam mattress from amazon because it was stupid-cheap and it scored objectively very well on sleep like the dead. I really like it. It's holding up better than our previous inner-spring mattresses with pillow tops and it was like 1/4 the price. We ended up buying the same mattresses for our kids, too.
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Dec 14, 2018 20:31
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I did my first ever client financial review meeting today!! Of course, I was really just sitting in while the CFP talked, but I ran the planning software models and nodded at appropriate times and I was wearing my fancy earrings so basically I felt like a real deal financial advisor, it was way cool. And we got them to ditch their lovely funds and go to vanguard, woo!
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Dec 15, 2018 02:22
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I got my bonus yesterday so I threw like two thirds of it straight at my student loan and used the rest to fill out some rainy day funds in my savings and also bought a new radio for my car. The loan will be down to $7169 (nice) once that clears. I was also given a $50 amex gift card last night when i walked into the holiday party so i'm gonna spend that poo poo on something really dumb and not give a poo poo yolo. Also got vanguard scheduled to dump six grand right into my roth ira on jan 2. Productive morning for this guy  
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Dec 15, 2018 17:20
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Sirotan posted:https://www.bloomberg.com/news/articles/2018-12-14/sipc-says-it-has-serious-concerns-about-robinhood-s-new-product God, I got to stop recommending stuff to my family.
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Dec 16, 2018 00:41
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100 HOGS AGREE posted:Also got vanguard scheduled to dump six grand right into my roth ira on jan 2. Productive morning for this guy Wait, how do you do that? I thought if I select Buy for a Roth IRA it will only give me the prob for this plan year (and the penis if it's still before tax day). I should look again. It'd be nice if I could also pre-schedule an increase in my 401(k) contributions at Schwab too, but I think I need to wait until my last paycheck comes in for this year before trying to up it for next year, if it'll even let me go with the increased max before Jan 1.
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Dec 16, 2018 01:52
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SpelledBackwards posted:Wait, how do you do that? I thought if I select Buy for a Roth IRA it will only give me the prob for this plan year (and the penis if it's still before tax day). I should look again. automatic investments are under account maintenance (link is in the footer after logging in) on the right side of the page.
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Dec 16, 2018 02:26
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Now that Navient has moved ahead with their purchase of Earnest, they neutered the iOS app, I can’t log in to their website, and I get to deal with their lovely customer service yet again!
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Dec 16, 2018 16:39
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howdoesishotweb posted:Now that Navient has moved ahead with their purchase of Earnest, they neutered the iOS app, I can’t log in to their website, and I get to deal with their lovely customer service yet again! I think what pisses me off the most is we have no choice and the government just completely ignores the public's complete poo poo experience and the tactics they use to gently caress people.
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Dec 16, 2018 17:00
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100 HOGS AGREE posted:automatic investments are under account maintenance (link is in the footer after logging in) on the right side of the page. Excellent, thanks! Set mine up just now with Vanguard.
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Dec 16, 2018 19:52
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howdoesishotweb posted:Now that Navient has moved ahead with their purchase of Earnest, they neutered the iOS app, I can’t log in to their website, and I get to deal with their lovely customer service yet again! god i am so glad my remaining federal loan is serviced by great lakes and not navient. i had a couple loans with sallie mae back before they changed the name and when I was finally aggressively paying down the debt i got a consolidation loan and sallie mae was the absolute worst to deal with and i was glad to be rid of them.
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Dec 16, 2018 20:54
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100 HOGS AGREE posted:god i am so glad my remaining federal loan is serviced by great lakes and not navient. SAME I had a single sallie mae loan but it was tiny and fixed rate and is paid off by now thank god
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Dec 17, 2018 01:46
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I want to open a taxable account to save more than I am allowed to put into my 401k/IRA, but I don't want to manage it too actively - just buy up to 5 index funds and check in on them once a year or so. Since I already have my IRA with Vanguard and since I am happy with them, I can just open a taxable account with them, right? Or do other places offer any advantages over Vanguard?
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Dec 17, 2018 02:48
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Vanguard is fine
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Dec 17, 2018 02:53
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Mine is at vanguard. I would just do that.
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Dec 17, 2018 05:13
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spwrozek posted:Mine is at vanguard. I would just do that. 
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Dec 17, 2018 05:22
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spwrozek posted:Mine is at vanguard. I would just do that.
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Dec 17, 2018 10:22
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moana posted:Listen to golden dollar sign man A man who can afford a golden dollar sign avatar cannot be wrong. Seriously though: Thanks for confirming.
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Dec 18, 2018 04:02
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Speaking of Vanguard, today I got an email from them and learned their CEO is named Tim Buckley. So,
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Dec 18, 2018 23:02
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I just found out my work added roll in to our 401k. Going to push my roll over IRA into there which will allow me to back door Roth IRA. I will be over the limit so hopefully everything gets processed by the end of the year. Pretty excited.
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Dec 19, 2018 00:52
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I'm getting balance billed for a bunch of physical therapy I've been going to and I'm loving annoyed as poo poo.
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Dec 19, 2018 14:29
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Wife got a new job. A 30% raise, better benefits and a career path pointing straight to Head of Marketing. For me this means full time parental leave two months earlier than expected. Woo!
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Dec 19, 2018 15:21
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Trabant posted:Speaking of Vanguard, today I got an email from them and learned their CEO is named Tim Buckley. Write downs are often harder on the CFP.
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Dec 20, 2018 16:51
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Need a quick reality check: In the midst of the government shutdown, USAA (my bank) is offering certain individuals the opportunity to take out a one-year loan at .01% interest as long as monthly payments are setup through them. As long as I ensure there is money in the account to make the monthly payments and get the loan paid off in one year, is there any reason I shouldn't take a loan out for $10k, throw it in my Ally savings account, and reap the profit of 1.99% in interest over a year on 10k? There is no cap on how much I can take the loan out for, just a minimum amount of $2500. nwin fucked around with this message at 21:47 on Dec 27, 2018 |
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Dec 27, 2018 21:20
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I would take as much money as I could possibly get my hands on at 0.01% interest if a bank was doing it as a good will gesture, you could do all kinds of things with it including refinance other interest-bearing debt
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Dec 27, 2018 23:12
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nwin posted:Need a quick reality check: Did you get a targeted offer for this? I’m a USAA member as well, but I’d definitely do this if I have the opportunity.
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Dec 27, 2018 23:26
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Cacafuego posted:Did you get a targeted offer for this? I’m a USAA member as well, but I’d definitely do this if I have the opportunity. Yeah, I'm in one of the affected organizations that won't be getting paid on the 1st. I don't have any debt to refinance but I'll definitely take advantage of throwing it in Ally or something like that.
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Dec 27, 2018 23:35
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nwin posted:Yeah, I'm in one of the affected organizations that won't be getting paid on the 1st. I don't have any debt to refinance but I'll definitely take advantage of throwing it in Ally or something like that. Gotcha. Good luck!
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Dec 27, 2018 23:50
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I have been cooking for my family through the holidays. Saved a bunch thanks to good ole Costco. The only eating out I’ve done is the oral sex I provide my wonderful significant other. I love her very much 
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Dec 28, 2018 00:31
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