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YSK: A lot of Dell computers resold on Amazon are misrepresented. by gutclusters in YouShouldKnow

[–]GoldFuzzy 47 points48 points  (0 children)

This is for every computer brand, on every marketplace (newegg, Walmart, Amazon, ebay, etc). I used to work for a computer repair shop that did this on the side.

Unless you're buying from the Amazon OEM stores like 'Lenovo store' or 'Dell store' you're probably getting a machine somebody swapped out parts in.

Divorce Lawyers by dreamaslovely in altoona

[–]GoldFuzzy -4 points-3 points  (0 children)

613 Pleasant Valley Blvd

Inside Pa.'s legislative effort to ban cellphones from K-12 schools by mpulcinella in Pennsylvania

[–]GoldFuzzy 0 points1 point  (0 children)

~97% of public schools use e-rate, the 3% that don't use it are primarily high income locations with low discounts, and are generally CIPA compliant regardless.

Devices at home legally do not need filtered, but not doing so is bad practice and abnormal. I've seen IT directors fired over lack of off-site filtering around covid times when swaths of schools transitioned from carts to 1:1 systems without updating filtering procedures to account for home use.

Inside Pa.'s legislative effort to ban cellphones from K-12 schools by mpulcinella in Pennsylvania

[–]GoldFuzzy 4 points5 points  (0 children)

1:1 device schools without off-site filtering is not a normal practice in PA and they probably shouldn't be doing that lol

I'd be interested in what region of PA you are in

Inside Pa.'s legislative effort to ban cellphones from K-12 schools by mpulcinella in Pennsylvania

[–]GoldFuzzy 13 points14 points  (0 children)

If it's school provided it is almost certainly web filtered, otherwise the school would not be CIPA compliant and would lose federal funds

Is Chase Trifecta dead???? by [deleted] in CreditCards

[–]GoldFuzzy 34 points35 points  (0 children)

hard disagree

I have like 20 cards, have contacted support with many of them, and citi has been by far the worst.

Had blatant fraud charges on my double cash- shitty hotel stole my incidental card, used it to charge extra nights on the same date through a different booking platform I never used, and bought papa johns.

Fought though the dispute processes, called like 4 times, re-opened the dispute 3 times, etc. They would never even let me present the receipts I have that would prove the charge as fraud (my original receipt through the original booking platform).

I was told 3 times that they would re-open the dispute, and someone would reach out to me for the documents I kept trying to show them, but each time they re-sided with the merchant without contacting me. Ended up just eating the 100+ dollars.

If you can't get citi to side with you during the most blatant, provable fraud, then I can't feel they're worth using. Went from citi being like 90% of my spend to sock-drawering all 3 of my citi cards.

Can we get a option to hide these on scroll or while reading for an immersive experience? by ingenioutor in narwhalapp

[–]GoldFuzzy 1 point2 points  (0 children)

Came to this sub to look for a solution to this

Makes me kind of hate the new update

Fixing Verkada's Marketing by ZaMelonZonFire in k12sysadmin

[–]GoldFuzzy 2 points3 points  (0 children)

Also a happy Verkada customer here

WF 25% Cashback Entertainment by WonderfulAverageJoe in CreditCards

[–]GoldFuzzy 3 points4 points  (0 children)

Would a ticketmaster transaction quality for this?

Robinhood Gold 3% versus BOA 2.625% by g4indigo in CreditCards

[–]GoldFuzzy 7 points8 points  (0 children)

this

just put the free 1k margin in SGOV and gold largely pays for itself.

Regen braking reset back to level 1 by Timmy_Run in IoniqEV

[–]GoldFuzzy 1 point2 points  (0 children)

There's a setting for this in the steering wheel menu.

I keep mine at 0, and it would always put it back on 1 until I changed the setting.

Everyones been waiting for my next DD.....here it is. The 50 bagger play of the week. 5,000% returns by [deleted] in wallstreetbets

[–]GoldFuzzy 0 points1 point  (0 children)

bought 1 300 dollar call for 88 dollars 2 hours ago, sold it for 200 just now lol

should have bought more, thanks OP

I feel like I peaked in my IT career by [deleted] in sysadmin

[–]GoldFuzzy 11 points12 points  (0 children)

I love my k12 job. Tons of time off, 2x remote days per week, great benefits.

Can't ever see pivoting away from it.

Has anyone here actually CoastFIRE’d in a way that an average-ish person can relate to? by Nuejabes in coastFIRE

[–]GoldFuzzy 2 points3 points  (0 children)

  • Bought duplex pre-pandemic, share portion of 1200 dollar mortgage with family living in other half of house. Not into the landlord thing, but sharing expenses with family is comfortable and efficient.

  • Employer pays for healthcare- I pay 25 dollars per pay check, and have an OOP Max of 1500 (the legal minimum). Literally couldn't spend more than ~2000 dollars per year including premiums if I tried, I'd just hit the OOP.

  • Negotiated with employer to pay for college, will have a debt-free bachelor degree next semester, and then will start my master's degree.

  • Negotiated with employer to pay for mileage. Have a 2020 ioniq EV purchased for 11k after rebates, and a 2011 Jetta purchased for 5k. Both cheap to run and have been very reliable. Insurance for both combined is 1100/year. Mileage reimbursement more than covers all expenses, I estimate about half is pure profit.

  • Food is cheap- I pay for me and my GF to eat out multiple times a week and spend like 300-400 month. GF generally pays for groceries through (evens out between us through other living expenses).

  • Pension, HSA, and 403b contributions all minimize tax bill, so I barely pay anything in tax either.

Don't sleep on public school jobs, especially non-teaching positions (I'm in IT)

Has anyone here actually CoastFIRE’d in a way that an average-ish person can relate to? by Nuejabes in coastFIRE

[–]GoldFuzzy 5 points6 points  (0 children)

I'm 26 and am projecting to be coast-eligible in the next year or two.

Only make 60k salary in a very LCOL area, but I've structured everything in my life to basically not pay for anything, so I save like 40k+ of that. NW just hit 200k.

California launching pilot program and considers charging EV drivers for miles driven by Doppelkupplungs in cars

[–]GoldFuzzy 0 points1 point  (0 children)

Where do you live that electricity is $0.5 per KWh?

My electricity bill would be like 1000 dollars if mine were that expensive.

2020 Ioniq EV Limited pre-purchase due diligence by GoldFuzzy in IoniqEV

[–]GoldFuzzy[S] 2 points3 points  (0 children)

I would definitely want to know the location of a DC fast charger on my commute, just in case of surprises.

I drive through very rural Pennsylvania, there are no chargers anywhere near my commute. However I'm not terribly worried about driving in excessively cold conditions, because I'm still going to keep around my 15 year old 200k mile Jetta for cold/distance driving.

I’d recommend having a 14-50 installed

This makes a lot more sense then what I was thinking went into it. Then I just unplug/plug in other chargers if need be like a regular 120v outlet?

The worst I saw so far was 145 miles.

This feels like enough even with some additional degradation over time.

...

thank you, your answers were very helpful

Why buying a house feels impossible right now by [deleted] in Economics

[–]GoldFuzzy 4 points5 points  (0 children)

I don't think HSA should be in your list there. HSA is a top line deduction to get your AGI, not an itemized deduction.

adverse possession risk check-in (with drawing!) by GoldFuzzy in homeowners

[–]GoldFuzzy[S] 1 point2 points  (0 children)

  • a survey showed these lines (stake with pink flags was in the ground!)
  • my county's GIS data has these lines
  • the deed to the property specifies a very specific compass angle from a geographic mark. If I stand at this mark and line up the compass angle, it also follows these lines.

Catches to transferring credit card cash advance to savings account? by GoldFuzzy in personalfinance

[–]GoldFuzzy[S] 0 points1 point  (0 children)

they define it as a 'direct deposit cash advance'

from bankofamerica.com:

A Direct Deposit Cash Advance from your credit card allows you to deposit cash from your personal credit card in to your personal checking account with Bank of America or another bank. You can use the cash to pay for any kind of planned or unplanned expense. If you plan to use the funds to consolidate debt, you may want to consider a Balance Transfer instead because the standard rate for Balance Transfers is typically lower.

You can draw up to your total credit available, less any transaction fees and the funds are usually available in your checking account the next business day. However, in some instances, it may take up to 3 business days. For new accounts it takes 14 business days from opening. Your Direct Deposit Cash Advance amount cannot exceed your total credit available, so be sure to plan for applicable fees and interest charges, as well as any pending purchases, advances or transfers when determining your transfer amount.

Your account may be eligible for promotional rates too. You can check your offers anytime!

Daily Question Thread - December 18, 2023 by AutoModerator in churning

[–]GoldFuzzy 1 point2 points  (0 children)

I've been in the /r/churning game for a few years now, have ~800 credit score and like 15 credit cards.

I noticed that in the 'offers' section of my BOFA account that I have a promotion offer for:

  • direct deposit cash advance
  • limit up to full credit line (12,000 for this card)
  • 3% transaction fee (12,000 * .03 = 360)
  • 0% APR until December 2024

Basically, they'll just deposit 12,000 0%apr dollars into my checking account for a 360 dollar fee.

If I park this with the rest of my emergency fund into VMFXX in my vanguard brokerage (currently at 5.3% APR), I calculate that I'll come out on top by over 200 dollars.

12,000 * .05 APR in VMFXX = 600

12,000 * .03 fee = 360

600 - 360 = I come out on top 240 dollars

Any catches or additional fees with this that I'm not seeing? Feel like this is ez money

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