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Harry
Jun 13, 2003

I do solemnly swear that in the year 2015 I will theorycraft my wallet as well as my WoW

nwin posted:

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.

A bunch of plans were posted on reddit and basically all of them will automatically sweep direct deposits as payments. Make sure that's not the case or you'd be wasting your time.

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nwin
Feb 25, 2002

make's u think

Harry posted:

A bunch of plans were posted on reddit and basically all of them will automatically sweep direct deposits as payments. Make sure that's not the case or you'd be wasting your time.

Got a link? Mine is just a 1-year private loan at .01% with automatic monthly payments set up to pay it back on time.

bird with big dick
Oct 21, 2015

0.01% interest on an unsecured loan for your dream car, baby!

bird with big dick
Oct 21, 2015

Harry posted:

A bunch of plans were posted on reddit and basically all of them will automatically sweep direct deposits as payments. Make sure that's not the case or you'd be wasting your time.

Like the entire direct deposit?

That'd make sense, and make it a waste of time (as you said) unless you really needed it.

Discendo Vox
Mar 21, 2013

We don't need to have that dialogue because it's obvious, trivial, and has already been had a thousand times.
General question: I ran into someone at a party and they gave me a business card from this company.

https://www.gvi-corp.com/

What does the company actually do?

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.
Take bets on whether they can beat the market with your money, charge you for the pleasure.

Harry
Jun 13, 2003

I do solemnly swear that in the year 2015 I will theorycraft my wallet as well as my WoW

nwin posted:

Got a link? Mine is just a 1-year private loan at .01% with automatic monthly payments set up to pay it back on time.

Here’s the NFCU. USAA has the same deal. If yours specifically says 1 year, then it’s probably fine.

https://www.navyfederal.org/about/government-shutdown.php

HazCat
May 4, 2009

I couldn't find a 'general banking questions' thread so I hope it's okay to ask here: is there a better way to transfer money internationally than bank to bank? I have Italian relatives who want to send me (in Australia) a gift of ~€2000, but they're grumbling about the bank fees and have asked me to see if there's any cheaper (but still simple/secure) way to transfer it.

Googling international money transfer only brings up services trying to advertise to me, which all seem to have a mixed bag of 5-star and 1-star reviews when I dig a little deeper.

I personally don't really care about the fees if bank-to-bank is the fastest/most secure/simplest system, but I figured it can't hurt to see if there's an alternative that will make my relatives happier.

HazCat fucked around with this message at 04:59 on Jan 7, 2019

H110Hawk
Dec 28, 2006

HazCat posted:

I couldn't find a 'general banking questions' thread so I hope it's okay to ask here: is there a better way to transfer money internationally than bank to bank? I have Italian relatives who want to send me (in Australia) a gift of ~€2000, but they're grumbling about the bank fees and have asked me to see if there's any cheaper (but still simple/secure) way to transfer it.

Googling international money transfer only brings up services trying to advertise to me, which all seem to have a mixed bag of 5-star and 1-star reviews when I dig a little deeper.

I personally don't really care about the fees if bank-to-bank is the fastest/most secure/simplest system, but I figured it can't hurt to see if there's an alternative that will make my relatives happier.

Italians trying to avoid taxes and banks? Why I don't believe you!

International wire transfer is the fastest and most secure. They could probably also write you a check and mail it but I would ask your bank first.

FAUXTON
Jun 2, 2005

spero che tu stia bene

HazCat posted:

I couldn't find a 'general banking questions' thread so I hope it's okay to ask here: is there a better way to transfer money internationally than bank to bank? I have Italian relatives who want to send me (in Australia) a gift of ~€2000, but they're grumbling about the bank fees and have asked me to see if there's any cheaper (but still simple/secure) way to transfer it.

Googling international money transfer only brings up services trying to advertise to me, which all seem to have a mixed bag of 5-star and 1-star reviews when I dig a little deeper.

I personally don't really care about the fees if bank-to-bank is the fastest/most secure/simplest system, but I figured it can't hurt to see if there's an alternative that will make my relatives happier.

try bitcoin lol

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.
2,000€ isn’t that much, get it in five hundreds and hire someone who’s coming to Australia to carry it in their pocket.

HazCat
May 4, 2009

H110Hawk posted:

Italians trying to avoid taxes and banks? Why I don't believe you!

International wire transfer is the fastest and most secure. They could probably also write you a check and mail it but I would ask your bank first.

Hah, I just assumed this was a 'my relatives thing'. My dad has warned me like half a dozen times not to spend the money before I have it in my pocket, because odds are good that they'll just decide it's not worth sending me anything if they have to pay too much in fees :v:

FAUXTON posted:

try bitcoin lol

I thought of jokingly suggesting that, but I am legitimately concerned that my dad or his relatives might take me seriously and start 'investing' in Bitcoin and I don't want to be responsible for that :gonk:

FrozenVent posted:

2,000€ isn’t that much, get it in five hundreds and hire someone who’s coming to Australia to carry it in their pocket.

I really hope my relatives don't think of this because if they do they'll probably consider it a viable option.

Anyway, thanks for confirming my suspicion that bank fees are just the cost of business here, I'll pass it along and see what happens.

H110Hawk
Dec 28, 2006

HazCat posted:

Anyway, thanks for confirming my suspicion that bank fees are just the cost of business here, I'll pass it along and see what happens.

I was serious about writing a check and mailing it. It might only cost the postage, but even if there is a fee it is likely far cheaper than the wire. It also will definitely take a month or more to get the money.

Dominoes
Sep 20, 2007

(Cross-post from programming thread)

Does anyone know of any resources that track financial news article performance? Doing a Google search for "financial news article track records" doesn't produce relevant results. A random scan of a few financial news articles at any point appears to produce a few vague, but quantifiable predictions over time spans ranging from a week to a year. I'm suspicious that all predictions, including ones from respected sources, are no better than random, since my understanding from statistics is that any nonrandom prediction can be leveraged into large profits using derivatives. This includes price changes (or lack-thereof) of any kind.

moana
Jun 18, 2005

one of the more intellectual satire communities on the web

"Dominoes" posted:

I'm suspicious that all predictions, including ones from respected sources, are no better than random
Yeah that's pretty much it. There was Buffett with his prediction about passive investing beating hedge funds that was pretty famous.

Edit: just found longbets.org, poo poo is pretty interesting!

zaurg
Mar 1, 2004
*wrong thread*

zaurg fucked around with this message at 18:00 on Jan 10, 2019

Sundae
Dec 1, 2005

zaurg posted:

*wrong thread*

For you, every thread is the wrong thread.

KYOON GRIFFEY JR
Apr 12, 2010



Runner-up, TRP Sack Race 2021/22
after fixing the toy car last weekend (GWM!!! saved 200 in labor and maybe 100 on the parts!) i took it out for a spin since the weather is nice! then i hit a pothole and now i need a $400 wheel and $230 tire.

howdoesishotweb
Nov 21, 2002
$400 a German wheel.. you got off easy. I was quoted $850 each when I bent two that were unfixable (which were easily fixable)

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog
These BMW cars seem to cost a lot of money even after you bought em

Potrzebie
Apr 6, 2010

I may not know what I'm talking about, but I sure love cops! ^^ Boy, but that boot is just yummy!
Lipstick Apathy

GoGoGadgetChris posted:

These BWM cars seem to cost a lot of money even after you bought em

KYOON GRIFFEY JR
Apr 12, 2010



Runner-up, TRP Sack Race 2021/22

GoGoGadgetChris posted:

These BMW cars seem to cost a lot of money even after you bought em

you will understand soon

JIZZ DENOUEMENT
Oct 3, 2012

STRIKE!
I made almost $1,000 in half a day of poker.

I need to stay disciplined with my income and budget to build a bankroll. I didn’t think the card rooms around here would be so profitable. There’s a real chance I can supplement my income consistently.

zaurg
Mar 1, 2004
wow
$1000 per day
5 days per week
$260k yearly salary
SO PROFITABLE
Start a thread and post your progress, Jizz

JIZZ DENOUEMENT
Oct 3, 2012

STRIKE!

zaurg posted:

wow
$1000 per day
5 days per week
$260k yearly salary
SO PROFITABLE
Start a thread and post your progress, Jizz

I’m not quitting my job and my earnings from that session are not the norm. I was just stating that the quality of players was bad and it’s possible this would be a profitable side hustle.

There’s a bunch of people on this forum making like $200k as senior computer wizards so if you want to be snarky be snarky towards them.

SpelledBackwards
Jan 7, 2001

I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

A co-worker of mine said you can really clean up on cruise ship poker tables where old people are mostly having fun and aren't generally as skilled as the players in most casinos. So he says, anyway.

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog
Casinos suck rear end

H110Hawk
Dec 28, 2006

JIZZ DENOUEMENT posted:

I’m not quitting my job and my earnings from that session are not the norm. I was just stating that the quality of players was bad and it’s possible this would be a profitable side hustle.

There’s a bunch of people on this forum making like $200k as senior computer wizards so if you want to be snarky be snarky towards them.

Computer janitor, sir.

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog

JIZZ DENOUEMENT posted:

I’m not quitting my job and my earnings from that session are not the norm. I was just stating that the quality of players was bad and it’s possible this would be a profitable side hustle.

There’s a bunch of people on this forum making like $200k as senior computer wizards so if you want to be snarky be snarky towards them.

[consults Problem Gambling handbook] Mmm... do you often get defensive when people ask about your gambling?

AndrewP
Apr 21, 2010

JIZZ DENOUEMENT posted:

I’m not quitting my job

be a lot cooler if you did

BEHOLD: MY CAPE
Jan 11, 2004

SpelledBackwards posted:

A co-worker of mine said you can really clean up on cruise ship poker tables where old people are mostly having fun and aren't generally as skilled as the players in most casinos. So he says, anyway.

It's kind of a big risk to take if your boat isn't full of rich whales. If there's no action you're kind of stuck on the boat for however many days if your goal was to make money gambling

SpelledBackwards
Jan 7, 2001

I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

BEHOLD: MY CAPE posted:

It's kind of a big risk to take if your boat isn't full of rich whales. If there's no action you're kind of stuck on the boat for however many days if your goal was to make money gambling

Good point. He was vacationing with God's girlfriend in the Caribbean, not making it a point to hustle olds. I think he said he stopped playing against them after a couple nights because he began feeling bad about winning so much against them.

underage at the vape shop
May 11, 2011

by Cyrano4747
Hi

Im an it student who got hired as a photographer whod be "helping manage" the facebook page of the business on the side. Turns out they want me to make lots of ads and post consistently and Im the only one doing it. I have no loving idea what im doing and I'm out of ideas and its over half the job. They are really happy with what Ive done so far.

What are some good resources to learn from? Sources to follow? Articles to read about techniques etc? I want to get good at it. Is there a journal or paper that regularly publishes studd about the field I can follow?

underage at the vape shop fucked around with this message at 05:15 on Jan 21, 2019

BEHOLD: MY CAPE
Jan 11, 2004
I am just going to go out on a limb and guess that there is no journal about Facebook advertising, but there are probably a ton of tutorials and things like that on YouTube and other social media

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog
Moneyball (Murderball?) why have you forsaken the BWM thread

Devian666
Aug 20, 2008

Take some advice Chris.

Fun Shoe
My post about BWM Tori Spelling was the last straw.

bird with big dick
Oct 21, 2015

underage at the vape shop posted:

Hi

Im an it student who got hired as a photographer whod be "helping manage" the facebook page of the business on the side. Turns out they want me to make lots of ads and post consistently and Im the only one doing it. I have no loving idea what im doing and I'm out of ideas and its over half the job. They are really happy with what Ive done so far.

What are some good resources to learn from? Sources to follow? Articles to read about techniques etc? I want to get good at it. Is there a journal or paper that regularly publishes studd about the field I can follow?


Are you in the US?

There's a lot to unpack here.

Like you're saying "Internet startup: how to do?"

bird with big dick fucked around with this message at 04:32 on Jan 22, 2019

Blinkman987
Jul 10, 2008

Gender roles guilt me into being fat.
My personal rule for furniture--

Always hire movers.
Buy used where it makes sense.
Anything I use more than 2 hours a day should be a great version of it. Like, I spent a ton on a down-filled chaise lounge but I don't even own a dining room table. My computer desk is from Ikea because it ultimately doesn't matter in terms of utility but my chair is a Herman Miller because that does matter in terms of utility.

I also won't be changing my tastes very much and some of the pieces I own are "famous" pieces that rarely if ever go out of style, so I can basically buy once and be done with it.

underage at the vape shop posted:

Hi

Im an it student who got hired as a photographer whod be "helping manage" the facebook page of the business on the side. Turns out they want me to make lots of ads and post consistently and Im the only one doing it. I have no loving idea what im doing and I'm out of ideas and its over half the job. They are really happy with what Ive done so far.

What are some good resources to learn from? Sources to follow? Articles to read about techniques etc? I want to get good at it. Is there a journal or paper that regularly publishes studd about the field I can follow?

What you're doing for that company is an actual specialized profession. It's hard. And competitive. Luckily you see to be in a position where you're kinda just doing things and people don't expect much. On the other hand, you don't have anyone teaching you anything so that's really bad.

Without knowing what you're doing exactly, I would Google something like:
Sales Facebook ads
Facebook ads best practices
A/B test Facebook ads
Facebook ad targeting [your industry]

That can at least get you started. To start, what you want to do is have a variety of copy (the text) and images. The copy should speak directly to what you're offering and what you want the person to do, and the image should pair with it to create a clear visual cue. Then you see who's responding to your ads and how they're performing-- which ones get the most clicks, what you're spending per click, and how quickly your ads begin significantly increasing in cost to generate those clicks.

You can try to target different types of people, seeing how each audience responds to your copy and text. Some audiences might react differently to different messages. And if you have the emails of your customers, you can upload it to Facebook to try to create audiences that "look alike" the customers you've just given them. Or if you have people who haven't bought from you for a while but you feel they would buy from you if you could contact them, you could create that list and reach out to them via social ads.

Once you feel like you have a general grasp of how to advertise on Facebook and how to use audiences, then you can start to look at ROI from Facebook ads, Facebook tracking pixel, and LTV analysis.

Oh, and never, ever, ever gently caress up the Daily Limit vs Lifetime Limit. Ever.

Good luck.

Blinkman987 fucked around with this message at 08:10 on Jan 22, 2019

Lysandus
Jun 21, 2010

Devian666 posted:

My post about BWM Tori Spelling was the last straw.

What have you done!

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DJCobol
May 16, 2003

CALL OF DUTY! :rock:
Grimey Drawer

GoGoGadgetChris posted:

Moneyball (Murderball?) why have you forsaken the BWM thread

I was just wondering where that thread went. What happened?

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