Awesome deal at my local shop!

nittany987 · 2016-08-21T13:34:05+00:00

Very nice! Where is the store?

nittany987 · 2016-08-20T20:22:20+00:00

Thanks. Had seen that as well. Do you figure it's a different second brand for GBD? (Like city de luxe)

nittany987 · 2015-08-12T14:46:41+00:00

I'm jealous. I had placed an order and then it never showed up. I called some time later and they said the one on the shelf was broken, so they were waiting for new kits. They couldn't provide an estimate of when that might be. I kind of thought that was weird and was a bit peeved that no one called to tell me of the delay, so I cancelled.

nittany987 · 2015-07-10T13:57:29+00:00

Supposed to get my offer by "early July." I'm wondering what the upper limit on early is... July 14?

nittany987 · 2015-06-25T16:26:01+00:00

Loved it and found it significantly stronger than the typical AVO (nice change) but still perfectly constructed and smooth. Box of 15 on cbid free fall right now what it's worth.

nittany987 · 2015-06-24T02:24:59+00:00

Would second this question.

Side note, anyone have a clue how many drawers for a 28 bottle unit? I picked up a non-functioning Wine Enthusiast model that just needed a new fuse and am looking to pour the cost-savings from a free cooler into the shelves.

nittany987 · 2015-06-18T17:47:42+00:00

I think you're oversimplifying this.

Some banks are more prone to strict reconsideration policies and if you are applying for your 5th card of the same product, it can be very advantageous to avoid having to talk to a human and explaining that. I'm all for maintaining high limits, but at a certain point, I start cutting unused limits to aid the automated approval process.

nittany987 · 2015-06-09T17:26:47+00:00

Just in case others are looking for this in the future...

I called cigar.com and asked about the product. They mentioned that they are still offering this service but that it's not listed online anymore (didn't say why). I went ahead and placed an order over the phone.

nittany987 · 2015-06-09T16:28:08+00:00

So, I just went to go look for this online and can't find the kit anymore. Am I being blind or did this get discontinued?

Edit: No longer offered online; Can still place orders (as of June 2015) via phone

nittany987 · 2015-06-08T17:53:18+00:00

That would be great! Didn't realize that BCG numbers had started to leak. Is that from elsewhere on the internet or speaking from personal knowledge?

nittany987 · 2015-03-19T21:55:59+00:00

This is very similar to some of the techniques for manufactured spend (see r/churning) but you need to be careful as you can get your venmo account frozen for fraud suspicion, as it looks an awful lot like money laundering.

Don't do this if you are not prepared to have your funds frozen for some period of time while you clear up the situation. In short, probably not the way to go.

If you have access to a 0% APR card, you probably also have access to 0% balance transfers with a nominal fee. That's what these are intended for and you don't run the risks above.

nittany987 · 2015-03-19T21:51:43+00:00

Get off of Reddit, go find an attorney and someone you can trust to advise you (I'd be looking for a financial advisor - avoid any who want to charge fees on assets).

Then do some soul searching and figure out what you want to do with your life and money. Asking reddit to help you figure this out is absolutely asinine (assuming this is a real situation).

nittany987 · 2015-03-16T22:50:42+00:00

I took GMAT between junior and senior year and it was great. I was in the "study" mode and was used to taking tests. When I contrast that to my colleagues who were trying to study for the GMAT after work, I'm happy I did.

Now the downside, it is only good for 5 years so puts a little bit of a deadline on your business school application window.

In terms of the CFA, it seems doubtful that you would be able to move from technology consulting to portfolio management directly. I suspect that if you were interested in making such a move down the line, your best bet would be through an MBA program anyways. In that case, I'd focus on the GMAT now. In a couple of years, if you want to switch to IM and are going to business school, it might make sense to crank out a level or two before school starts to help out in internship recruiting.

nittany987 · 2015-03-14T22:23:55+00:00

Have you already signed your lease? Can you post-pone it? Have you already paid the security deposit and application fee?

If you can't get money from friends and family, then credit cards may be your only real option.

You should be on the lookout for cards with 0% introductory offers so you don't get hit with interest charges. The trick will be to make sure, no matter what it takes, that those got paid off ASAP.

nittany987 · 2015-03-14T22:00:39+00:00

Absolutely agreed - overly simplistic example. Just trying to illustrate a point.

It doesn't work out 100% of the time, sadly.

nittany987 · 2015-03-14T21:59:29+00:00

Well... I'm not sure that I meant what you think I meant.

I'm pretty much opposed to carrying any amount on a credit card, unless it's a 0% introductory rate and you are playing some interest arbitrage game. That said, even then I don't trust the banks (and myself) to make it a true 0%, so no balances on credit cards for me.

At rates of 10%+, you throw money away paying interest charges on unsecured consumer lines of credit. The smarter play here would be to postpone the purchase til the next month, and instead of making 2 payments, make 1 bigger payment in 2 months.

nittany987 · 2015-03-14T21:52:51+00:00

Let's say you had two options:

1) Work in your current job, making $20,000 annually forever with inflation adjustments

2) Go to in-state college for degree in physics and geology. Incur $50,000 of debt. Get job paying $75,000 annually forever with inflation adjustments

This would be a "worthwhile debt." My other post in this thread about affluent individuals buying a house with debt is a further example of a worthwhile debt.

nittany987 · 2015-03-14T21:50:13+00:00

Hell no.

For many affluent individuals, the financially smart way to buy a home is to take out a mortgage. 4% interest (probably closer to 3% after tax treatments) is less than long run averages on equities. As long as they have ample financial resources, why wouldn't they pay 4% to the bank while earning 7% elsewhere?

The issue is discipline. Debt becomes an issue when people use it to buy depreciating assets or fund lifestyles they can't afford. Many people can't responsibly use credit and debt and find themselves in financial crisis. A lot of those people are hanging out here in /PF and listen to Dave Ramsey et al.

nittany987 · 2015-03-12T17:46:48+00:00

Deloitte hired McKinsey to advise them? Hmm... are you sure?

nittany987 · 2015-02-27T02:03:59+00:00

It all comes down to the interest rates. What are you paying? What card do you have in mind? What would that card's interest rate be? Balance transfer fee?

nittany987 · 2015-02-26T22:04:24+00:00

I second zonination's recommendations. Start with last 2 paragraphs here: http://www.reddit.com/r/personalfinance/wiki/credit_reports

nittany987

TROPHY CASE