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tuyop posted: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: The covers and cushions have held up great. We've had it for at least 4 years now and aside from my fat rear end breaking it, it's been great. The covers can be machine washed, contrary to what they tell you.
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May 29, 2015 18:18
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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.
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May 30, 2015 00:33
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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. Cash back and other credit card rewards are worth hundreds of dollars a year to me and credit card fraud protection and chargebacks are great
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May 30, 2015 02:08
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Debit cards already have most of those protections, and are identical when run as credit transactions.
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May 30, 2015 02:20
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 If anyone wants to use this next time they update their av. By all means.
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Jun 2, 2015 03:38
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Welp just enrolled in an HSA for the coming years for health insurance. I'm really glad we have money saved because if we didn't it would be a huge shock going from $700 out of pocket deductible w/ co pays to $5000 out of pocket deductible w/ no co pays (you pay for the cost of the appointment / prescription yourself). I feel bad for people who have a bunch of expensive meds or something, they will be perpetually blowing through that $5k/year before insurance kicks in, and even then there are copays on prescriptions. Just what a family needs with two small children, poo poo almighty.
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Jun 2, 2015 21:30
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dreesemonkey posted:Welp just enrolled in an HSA for the coming years for health insurance. I'm really glad we have money saved because if we didn't it would be a huge shock going from $700 out of pocket deductible w/ co pays to $5000 out of pocket deductible w/ no co pays (you pay for the cost of the appointment / prescription yourself).
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Jun 3, 2015 01:39
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I bought a house in 2013 for dirt, dirt cheap, both for the area and for the size/characteristics of the property. There was a bunch of cosmetic bullshit holding its market value down, and it was owned free and clear by an 80 year old woman who could give a gently caress about upgrades. She kept the house itself in great condition, with a few minor exceptions. I bought it fresh out of grad school with an FHA loan and 3.5 down. I made some relatively inexpensive upgrades throughout the property for about $25k over the last 2 years, and I got it appraised last week. According to the appraisal I have $70k in equity and 68% LTV. I'm refinancing out of my FHA and I might go 15 fixed, as my income is also substantially higher now than when I bought the house. Anyway, I'm suddenly feeling pretty vindicated about my fixer-upper. I haven't even touched the kitchen or bathroom yet, which are both outdated piles of poo poo. I think some well-planned upgrades in those spaces could contribute a lot to my market value.
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Jun 3, 2015 02:39
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Dik Hz posted:What's the difference in premiums? Around where I live, a $700 with co-pays deductible plan is at least $300-400/month more expensive for a family of four than a HDHP. Plus the money you spend on healthcare, including stuff not covered by insurance, can be paid for with pre-tax dollars. HDHPs with HSAs have the potential to be amazing if you have decent financial discipline. The $700 deductible before was some sort of trickery that the employer paid the last $x so the $700 was more like a $2500 deductible or something. Our premiums are going down, but it's by about $80/mo. Obviously we're going to be putting that, and more, back into the HSA but that will all be wiped out the minute we have to go get bloodwork done or an odd prescription filled or something. I can't complain too much, our employer is trying to soften the blow as much as possible, but there is only so much you can do when ~60% of your workforce is over 40. As of July 1 they're giving us $500 in our HSA, then after that every dollar we put in, they'll match us 3x up to a maximum match of $750. So our first July pay I'm going to put $250 into the HSA to get my $750 match and we'll have $1500 in there right off the bat. I might have to post in the tax megathread to see what I should adjust my withholding to since we got a fair amount of money back last year.
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Jun 3, 2015 13:04
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I have a great employer. My HSA plan has a $5950 deductible, but they provide $5450 a year which leaves me with only $500 to add out of pocket. If my wife and I can keep our healthcare costs low this year we won't ever have to add money again.
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Jun 3, 2015 14:27
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Mine has a 3k deductible, and I missed the boat on them funding my account with 2k, but starting next year they'll give me 600/yr. If I wasn't having twins then I'd be happy. But I am, and changing insurance in the middle was a terrible idea. Oh well, funding the HSA like it's another retirement account and then just setting up payment plans for everything else to slowly drain it. I hate insurance. Why was single-payer a bad idea again?
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Jun 3, 2015 14:40
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Grand Theft Autobot posted:Anyway, I'm suddenly feeling pretty vindicated about my fixer-upper. I haven't even touched the kitchen or bathroom yet, which are both outdated piles of poo poo. I think some well-planned upgrades in those spaces could contribute a lot to my market value. Bathrooms and kitchens are typically where you can actually get a return on your money. Most other fixes you don't see a return on.
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Jun 3, 2015 15:03
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Grand Theft Autobot posted:Anyway, I'm suddenly feeling pretty vindicated about my fixer-upper. I haven't even touched the kitchen or bathroom yet, which are both outdated piles of poo poo. I think some well-planned upgrades in those spaces could contribute a lot to my market value. e: kidding, great work
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Jun 3, 2015 15:13
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HGTV is the worst kind of prolefeed.
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Jun 3, 2015 16:21
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I'm definitely switching over the HDHP next year if I'm able to, given my fee-for-service plan has somehow still managed to weasel out of over 75% of the costs this year anyway. No point paying these premiums if I'm still on the hook for thousands and thousands of dollars anyway. Hip MRI with Fluoroscopy: Fluoroscopy rejected as medically unnecessary ($165), MRI rejected because it required two pre-approval referrals, not one. First, my wife had to get pre-approval to see the specialist who would do the MRI, and then after he decided that an MRI was required, he had to send a referral document back to her PCP, who then had to send out a second pre-approval request for the actual MRI. Silly us, just getting pre-approval to "see a specialist for an MRI." $1,700 more not covered for the MRI. I spend more time in insurance appeal arbitration than I do actually dealing with doctors. Edit: Last year I lost an appeal for over nine grand because there was no provider in my entire network whatsoever who could perform the necessary service. 0% coverage outside of network, plus a carve-out in my plan that doesn't allow coverage at all for any unavailable procedures. Sundae fucked around with this message at 16:26 on Jun 3, 2015 |
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Jun 3, 2015 16:21
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A few years back I had a claim for an emergency appendectomy denied because it was out of network and BC didn't consider it an "emergency" to have a rupturing internal organ. Luckily, I was in a union at the time and my rep took a massive poo poo on BC until they accepted the claim.
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Jun 3, 2015 16:31
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PPO all the way, imo.
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Jun 4, 2015 11:33
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Series DD Funding posted:PPO all the way, imo. Nice if you have the option. You can't even get a PPO on the healthcare exchanges where I live.
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Jun 4, 2015 13:39
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*Buys a TV for $1600* ~12 hours later~ *Receives tax bill for $1600* gently caress.
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Jun 4, 2015 14:23
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Any of you business-savvy goons have your own website? My fiancee has grandiose plans to build her own business empire from scratch and is slowly chipping away at putting together a website for...herself I guess. I understand building a website if you have like an online storefront, but she's not selling anything. I guess you'd just advertise your professional track record? What do you build a website for if you're not using it to sell stuff or display a portfolio?
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Jun 5, 2015 03:40
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Series DD Funding posted:PPO all the way, imo. So really, run the numbers. Always.
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Jun 5, 2015 07:35
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My wife is leaving her job at the end of the month.  We'll get by but I'm gonna miss that sweet sweet 50% savings rate.
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Jun 5, 2015 16:45
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C-Euro posted:Any of you business-savvy goons have your own website? My fiancee has grandiose plans to build her own business empire from scratch and is slowly chipping away at putting together a website for...herself I guess. I understand building a website if you have like an online storefront, but she's not selling anything. I guess you'd just advertise your professional track record? What do you build a website for if you're not using it to sell stuff or display a portfolio? It's a way of finding her. The website will show up on Google. Lets say she is a tailor specializing in wedding dress resizing in Chicago. She's not got a storefront, but desperate brides who just went up a dress size will be googling things like "enlarge wedding dress fast Chicago" and they will find her. It'll have an email address and a phone number. Testimonies from satisfied customers. Yelp page link. Pictures of her work. An "About me" page that makes her seem like a real, reliable person.
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Jun 5, 2015 16:53
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She is selling something: her services. She definitely needs a sharp, well-laid out website.
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Jun 5, 2015 17:03
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Look into squarespace, starts at $8/mo and includes hosting. Supposed to be pretty awesome.
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Jun 5, 2015 17:14
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I get that, it's just that I'm boring and wouldn't have anything to put on a website if I built one  Soon...
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Jun 5, 2015 19:19
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You'll could put on one of those little "under construction" gifs.
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Jun 5, 2015 20:22
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Woohoo! I now work from home full time. No more commute, very minimal business casual wardrobe to maintain, etc. My company even calls it "Work From Anywhere" under the idea that they don't really care where I am. In theory, I can work while travelling. As my wife also works remote, this opens up some really cool summer travel options. The downside, of course, is that if I can do my job from anywhere then so can anybody else. It means I have to provide sufficient value add over the guys in India to justify my salary. The way my company uses me, that's probably not feasible. I'm a sysadmin, so I add value by operating efficiently. My company tends to prefer to fix bottlenecks with more hardware. I'm trying to specialize in automation to buy myself some more time. But I've got at least 8 more years of career to manage, and frankly I don't think it will last that long. So I better get serious about career plan B.
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Jun 8, 2015 13:09
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Folly posted:The downside, of course, is that if I can do my job from anywhere then so can anybody else. It means I have to provide sufficient value add over the guys in India to justify my salary. Communication is key. What you have got over the guys from India is English as a first language, and an understanding of your company's corporate culture and priorities.
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Jun 8, 2015 13:58
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edit - i think i need to figure this out myself, what is anybody else going to say without it ending up monopolizing the thread as i explain little things. ah well, helped to type out.
the worst thing is fucked around with this message at 00:17 on Jun 9, 2015 |
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Jun 8, 2015 23:55
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Tautologicus posted:edit - i think i need to figure this out myself, what is anybody else going to say without it ending up monopolizing the thread as i explain little things. ah well, helped to type out.  that's a lot of loving books. I'm glad that I keep this stuff on a kindle so my kids can just wipe my computer and wash their hands of it.
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Jun 9, 2015 02:31
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tuyop posted:
yea well there's a lot of stuff that is not and will never be on kindle, unless someone takes the time to scan it all. i've got all kinds of books that no one else on amazon has for starters. and a lot i have to create the listing for.
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Jun 9, 2015 18:59
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Tautologicus posted:yea well there's a lot of stuff that is not and will never be on kindle, unless someone takes the time to scan it all. i've got all kinds of books that no one else on amazon has for starters. and a lot i have to create the listing for. Are you selling a bunch of books or something? I recently moved abroad, I had luck just sorting my books by genre/type and selling them as lots locally on Craigslist. There were a few outliers worth selling on their own ($20+), but most of it was stuff I'd gotten at thrift stores, used book stores, or as part of a big lot myself. I was unemployed at the time but even I recognized it wasn't friggin worth it to list everything individually.
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Jun 10, 2015 00:16
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Pompous Rhombus posted:Are you selling a bunch of books or something? I recently moved abroad, I had luck just sorting my books by genre/type and selling them as lots locally on Craigslist. There were a few outliers worth selling on their own ($20+), but most of it was stuff I'd gotten at thrift stores, used book stores, or as part of a big lot myself. I was unemployed at the time but even I recognized it wasn't friggin worth it to list everything individually. Selling my father's 12,000 book collection as part of his estate (donating a lot too though). I worked everything out I was so worried about yesterday, if anyone caught that post. The guy decided to take the train here instead of demanding rides and he worked like a madman today and I think the deal I made with him will be worth it. We'll probably get this done by the end of this month. 4000 books left. I have barcode scanners, label printers, and listing software and since I have the time I think it is worth it to list the books individually, I can do 100 in an hour with the right circumstances. I am putting them all on Amazon FBA. Wouldnt be worth it it I was selling them all out of the house to whatever outlet would take them (ebay, abebooks, etc..). I just need them out of the house first of all. the worst thing is fucked around with this message at 00:36 on Jun 10, 2015 |
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Jun 10, 2015 00:34
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Sorry for your loss. Holy cow, that is a lot of books! I wonder what my parents collection counts up to... It can't be more than a couple thousand - maybe less even - and it seems like a lot. That's impressive!
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Jun 10, 2015 03:27
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Sorry for your loss. That's a crazy amount of stuff to sort through. I'm looking down the barrel of having to do the same with my dad's collection of ~8,000 vinyl albums a couple decades down the road, and I'm already dreading having to deal with it, especially since the majority of the collection is in mint condition and actually would have decent resale value. Do I meticulously catalog and ship thousands of fragile records, or just wholesell them at pennies on the dollar? Time will tell.
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Jun 10, 2015 12:46
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My mother in law does vintage clothing sales on eBay, and has so much stuff in her basement that the floor joists were sagging under the baseboards. I told her that anything left when she passes is getting sold by the pound, in order to motivate her to sell more and buy less.
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Jun 10, 2015 20:22
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Not a Children posted:Sorry for your loss. That's a crazy amount of stuff to sort through. I'm looking down the barrel of having to do the same with my dad's collection of ~8,000 vinyl albums a couple decades down the road, and I'm already dreading having to deal with it, especially since the majority of the collection is in mint condition and actually would have decent resale value. Do I meticulously catalog and ship thousands of fragile records, or just wholesell them at pennies on the dollar? Time will tell. it will all depend on how much time you have on your hands when the time comes. i just happen to have a lot of time. my sister, who has less, and is in the area, has not been so forthcoming with her time towards this project, and so i've had to hire help. i'm trying to skirt around any obvious sentimental and personal things at work here talking about this kind of situation. Nocheez posted:My mother in law does vintage clothing sales on eBay, and has so much stuff in her basement that the floor joists were sagging under the baseboards. I told her that anything left when she passes is getting sold by the pound, in order to motivate her to sell more and buy less. wonder who's gonna be the one who hauls it all to those clothing donation bins or calls junk removal, if selling isn't an option. the tier 1, 2 and 3 options as i call them, since i've been dealing with that exact situation for months, except with books. edit - but at least with books i can donate to places like cultural centers and nonprofit libraries and stuff, it's just a pain in the rear end to get the specific books all together, and not all that rewarding either, if i never visit them again. selling books isn't that rewarding either, but what else am i gonna do. at least i get a few bucks the worst thing is fucked around with this message at 21:27 on Jun 10, 2015 |
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Jun 10, 2015 21:05
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There are companies that will buy old clothes and turn them into rags for machine shops and the like. I once cleaned up a paint spill with someone's old wedding dress. Where one would find such a company, I don't know.
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Jun 11, 2015 00:22
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Goodwill, basically. It's what they do with the stuff thy can't sell.
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Jun 11, 2015 05:38
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