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actionjackson posted:You need to do international business class flights, especially on non-US carriers. I went on Austrian Airlines, where you had a 1-2-1 layout and your own chef on the plane, and then Air Canada which was similar. If you leave in the evening, you get this ridiculous dinner menu and there's also a bunch of different choices for wine, hard liquor, etc. This seat reclines 180 degrees and they give you bedding and an amenity kit. How much more point did this seat costed you compare to a economy seat? I need to mentally translate the difference into gas card to see if its worth it.
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Aug 24, 2018 19:39
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| # ? May 5, 2024 14:19 |
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In the US credit card companies used to be able to send you actual credit cards in the mail on your 18th birthday (and anytime after that) without you requesting it "Here's our credit card offer - oh by the way the actual card's in the envelope and you can activate it at anytime!"
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Aug 24, 2018 19:39
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In about 1999, I got my first credit card, it had a limit of $300. By the time 2005 rolled around the limit among the 3 cards I had was around $20,000. Needless to say 2004-2006 was a time where I worked 3rd shift in a new city where I didn't know anyone and I managed to max out all of those bitches. I really don't recommend it because most people won't be able to weasel out of that much credit card debt, but I did because I managed to be unemployed a lot, and eventually they gave up around 2012. These days I have one credit card with a $1500 limit that I really just use for my little subscriptions like Hulu or Netflix that like to get charged at inopportune times..
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Aug 24, 2018 19:49
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I don't know what's funnier, the comments saying that this it not the right time for such a joke, or the liberal dorks going "I'm a democrat and even I find this in poor taste!!"
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Aug 24, 2018 19:53
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As far as credit unions go, SDCCU can suck my rear end in a top hat. It's like Wells Fargo from the early 2000s. Fees, assholery, interest rates suck.
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Aug 24, 2018 19:56
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tino posted:How much more point did this seat costed you compare to a economy seat? I need to mentally translate the difference into gas card to see if its worth it. If you have miles on United which is where I transferred them, for other Star Alliance carriers I believe it was 140K for a roundtrip business saver. But it depends on a lot of different factors as you can see: http://mileageplusupdates.com/images/United-Award-Chart.pdf I would NOT use miles for economy because international economy tends to be pretty cheap, there are often sales where you can get roundtrip tickets at <800. You get much better value in terms of cents/mile if you do business - those tickets are generally more going to be in the 3-5K range minimum if you pay cash. Only thing with doing business redemptions is that there a lot more restricted than economy redemptions, presumably because they don't want people actually using them often. If you are super flexible it's fine though. For example my trip was MSP-IAD-VIE one way and then FCO-MUC-YYZ-MSP back as that's what was available. I took trains between Vienna, Venice, Florence and Rome. IAD= DC, VIE = Vienna, FCO=Rome, MUC=Munich, YYZ=Toronto actionjackson has issued a correction as of 20:02 on Aug 24, 2018 |
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Aug 24, 2018 19:57
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Another option is shattering your bones so you get a free upgrade to first/business class on the flight home. A++, would fall down a mountain again.
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Aug 24, 2018 20:02
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Wait you actually got a free upgrade? Air Canada is so nice and Tokyo-Toronto is a pretty good length of time to really enjoy business.
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Aug 24, 2018 20:04
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Credit cards own if you're not dumb with money. Unfortunately a lot of people are dumb with money. So far we've done things like sign up for a home depot card and finance major renos at 0% interest, exploited the poo poo out of rewards points to get free stuff, and we almost never pay interest ever except for a few times this year because of unexpected additions to our reno plans thanks to tearing apart stuff and going 'aw poo poo' after seeing what's underneath.
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Aug 24, 2018 20:04
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Also get both a Visa and a Mastercard because it kinda sucks when you can't use one or the other somewhere an end up having to buy something without getting those awesome rewards points.
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Aug 24, 2018 20:06
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Also get both a Visa and a Mastercard because it kinda sucks when you can't use one or the other somewhere an end up having to buy something without getting those awesome rewards points.
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Aug 24, 2018 20:06
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https://www.youtube.com/watch?v=C13JFv4JfH8
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Aug 24, 2018 20:12
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The Bloop posted:holy goddamn poo poo, The Onion Was it this thread or another one that had a picture of an actual person talking about how they went "undercover" at a left-wing political rally and it was scary because they could "almost believe that my children have a right to healthcare" or w/e
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Aug 24, 2018 20:13
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ate all the Oreos posted:Was it this thread or another one that had a picture of an actual person talking about how they went "undercover" at a left-wing political rally and it was scary because they could "almost believe that my children have a right to healthcare" or w/e http://dailycaller.com/2018/07/23/conservative-alexandria-ocasio-cortez-rally/
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Aug 24, 2018 20:15
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Yep that's the one quote:I saw how easy it would be, as a parent, to accept the idea that my children deserve healthcare and education. Conservatism is a loving brain disease holy poo poo
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Aug 24, 2018 20:17
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The last time I flew overseas was for work. They stuck me in coach in the 4th row from the back of the plane. It was simultaneously two layers of hell as they had a fish option both meals and ran out of the other on the way back. The flight was Detroit to Shanghai at 13 hours. The flight back I got bumped to the slightly less poo poo seats between coach and 1st class which was miles better. and I got to actually eat instead of just drink.
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Aug 24, 2018 20:20
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actionjackson posted:Wait you actually got a free upgrade? Air Canada is so nice and Tokyo-Toronto is a pretty good length of time to really enjoy business. Covered by my work insurance, so pretty much. It was so fricken' awesome, everyone thought I was like an injured professional athlete or something. The staff and travelers are all so chill and friendly, and even the pre-flight perks blew my basic pleb mind. Like, being able to have a shower, shave and change into comfortable clothes before boarding? Buffet table and open bar? Flying economy is ruined for me until I can forget about it.  They kept giving me free wine and I eventually passed out watching Your Name. I think it came out on DVD while I was riding across the country and I kept seeing posters for it everywhere, so it was a nice bookend for the trip. Even then I was able to wake up and enjoy living like a bougie rear end in a top hat for a couple more hours with the fancy meals and amenities. 
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Aug 24, 2018 20:21
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You don't have to worry about someone stealing your debit card info and draining your account with no way to get the money back. You also don't have to worry about overdrafting your credit card.
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Aug 24, 2018 20:21
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ate all the Oreos posted:Yep that's the one You can't say that without including this: quote:I left the rally with a photo — in part to remind myself of that time I crashed a rally headlined by a socialist, but also in part to remind myself that there, but for the grace of God, go I. 
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Aug 24, 2018 20:43
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there (healthy, educated children with a well-paying job) but for the grace of God go I loving DUMBASS
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Aug 24, 2018 20:46
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is pepsi ok posted:I don't know what's funnier, the comments saying that this it not the right time for such a joke, or the liberal dorks going "I'm a democrat and even I find this in poor taste!!" it's that all those idiots are laughed at repeatedly in the replies
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Aug 24, 2018 20:56
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caedwalla posted:You probably aren't totally hosed unless your account was overdrawn more than $600-ish. Banks/credit unions know someone with a charged-off checking account is more of a risk, but they also recognize there's money to made servicing that market. A ton of midsize and larger financial institutions offer special checking accounts for people with hosed up account histories, usually with a set monthly fee, more limited overdraft offerings (which are bad regardless), and maybe higher fees for things like cashier's checks. If you absolutely can't get a checking account, consider opening a savings account with an ATM card - since you can't easily overdraft a savings account, some banks/CUs may not care about or even look at your checking account history. In my experience if any bank reports you to Checksys for anything you're blacklisted until it clears up. No new accounts, no check cashing (at check cashing places), no nothing unless you already have an account in good standing. US Bank had me on there for some $30 fee from a decade ago that I didn't even know about and it had prevented me from opening a new checking account and from cashing some checks (long story on why I wanted to use a 3rd party). I only found out about it once some fraud took place on my US Bank account that required me to close my old account and open a new one. They couldn't even proceed forward on that until I paid up. I'm sure there are exceptions to this but overall it can be pretty brutal. JeremoudCorbynejad posted:Do non-poo poo credit cards exist in the US? There are tons of "good" credit cards available in the US. You mention "withdrawing cash for free" though, so do you actually mean debit cards? I can't imagine even in Europe that doing a cash advance is free in any sense. In the US you accrue interest on it immediately and have to pay a cash advance fee. If you just mean there is no cash advance fee but still interest, there are cards in the US with that, but they're rare. The big "gotcha" with US credit cards are their interest rates. It is very common in the US for households to rely on credit cards to live beyond their means (either because of bad money management or disasters beyond their control), and some of this is due to wage stagnation but that is a different topic. sebzilla posted:I don't really understand why you'd use a credit card instead of a debit card ever I use a credit card instead of my debit card for a few reasons. 1) Cash in my checking account accrues interest (only 2% APY so nothing crazy) and credit cards allow you to do a Net-30 or Net-45 payment system. So that gives me 30-45 extra days of earning interest before I have to pay. 1a) This also potentially allows me to save cash for an extreme emergency if necessary. This would have to be one that required cash above and beyond my emergency fund and other investment funds that I can tap into. So this is very unlikely, but nevertheless the risk is hedged 2) With my credit card I earn cash back. So not only do I earn interest from my credit union as explained in 1, but I earn cash back simply for purchasing goods and services. I stick to a budget and only spend on what I would have anyway, so it is effectively a built in discount. One can argue that prices are increased to account for this (since rewards cards incur more merchant fees), but those price increases are felt by all consumers, so at worst I am breaking even from it. 3) Credit cards have substantially better fraud protection. This is mandated by law but in addition, if fraud does occur it never touches my cash. Whereas if I were to use my debit card I would have to hope to be given a provisional balance, which isn't mandated by law for debit cards. 4) It builds my credit both by creating an account that is able to build up satisfactory payment history (age of oldest account is a pretty big factor for credit score) but it also gives me access to credit (yet another factor for credit score), and it is part of having a diverse set of loans (another factor of credit score is seeing a mix of different credit types). Credit score probably shouldn't be as big of a deal as it is but it is integral to renting apartments/houses and is a huge component if one takes out a mortgage to determine the rate you will pay on that credit. Keep in mind that for regular purchases if you pay your balance off in full, you pay no interest. autism ZX spectrum posted:Debit cards here have absolutely ridiculous fees if you want to use them frequently. There's no way I'm paying more than single-digit fees to keep an account at the bank. The account I have now is either really cheap or free, but comes with the caveat of 3 free debits a month and then there's a not insubstantial fee for using your own loving debit card. If I use my Visa for everything and pay off the balance every payday I don't incur any fees and Visa has that rewards program so I think I take only a small loss or break even on the 2 cent credit card surcharge per purchase. That's pretty rare. Most banks absolutely want you to use your debit card (in the US usually a visa debit) because they get a cut of the fees.
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Aug 24, 2018 21:09
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Raldikuk posted:Cash in my checking account accrues interest (only 2% APY so nothing crazy) What mythical bank is this and how do I sign up
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Aug 24, 2018 21:15
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whats stopping you from just showing up to the airport in a wheelchair
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Aug 24, 2018 21:20
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https://mobile.twitter.com/bethanyshondark/status/1033050187885957120
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Aug 24, 2018 21:28
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Oh whoops she accidentally replied to the onion instead of McCain
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Aug 24, 2018 21:34
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Raldikuk posted:In my experience if any bank reports you to Checksys for anything you're blacklisted until it clears up. No new accounts, no check cashing (at check cashing places), no nothing unless you already have an account in good standing. US Bank had me on there for some $30 fee from a decade ago that I didn't even know about and it had prevented me from opening a new checking account and from cashing some checks (long story on why I wanted to use a 3rd party). I only found out about it once some fraud took place on my US Bank account that required me to close my old account and open a new one. They couldn't even proceed forward on that until I paid up. I'm sure there are exceptions to this but overall it can be pretty brutal. The majority of financial institutions I've worked for have had accounts specifically for people with a checking account chargeoff. Requirements vary, but the chargeoff usually needed to be older than 6-12 months and less than $400-600. The link below has more info and a list of places to apply for one. https://www.nerdwallet.com/blog/banking/second-chance-checking/ I worked for a payday lender a very long time ago and good god every payday lender should be bulldozed and the earth salted. If I remember right, our service fee was 15 or 20% of the outstanding balance, due every single payday. That was also the minimum payment, so people would get into a cycle of renewing their loan endlessly because they couldn't afford to pay down the principal. What's interesting nowadays is that some banks/CUs have turned their checking accounts into steady revenue generators by using the exact same concept. Need money for an unexpected expense but can't get a loan? Just overdraw your checking account to the limit at an ATM, get hit with a $35 or $40 or whatever fee, and let your next deposit cover the negative. At which point your account is empty again, so you overdraft again, repeat ad infinitum. That happens at banks, credit unions, goddamned everywhere. ate all the Oreos posted:What mythical bank is this and how do I sign up Regional financial institutions tend to offer accounts like that but it's generally only up to a certain balance and then much less above the cutoff. Some online-only banks like Amex/Ally/Discover etc offer similar deals too.
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Aug 24, 2018 21:39
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actionjackson posted:You need to do international business class flights, especially on non-US carriers. I went on Austrian Airlines, where you had a 1-2-1 layout and your own chef on the plane, and then Air Canada which was similar. If you leave in the evening, you get this ridiculous dinner menu and there's also a bunch of different choices for wine, hard liquor, etc. This seat reclines 180 degrees and they give you bedding and an amenity kit. How outdated is this business class? Is that even a lie flat seat? smh I upgraded to business class once for an extra 300 and I only did it because I got the flights ultra-cheap on sale because the airline was launching the route. It was awesome, but when you look at normal business class fares...its really not worth it one bit unless paying €2000+ for a transatlantic flight that would usually cost €700 isn't a big deal to you, or its paid for by a company. It's only a bit of extra leg room, and slightly fancier food served on ceramic plates. Rip off.
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Aug 24, 2018 21:42
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I was the last to board a plane once and got my economy seat upgraded to first class. It was nice, I was really drunk by the time we landed. I can see how much of a boon the extra leg room is for tall or huge people. My friend opened up a bank account at a credit union for a popular anarchist media collective. The teller literally called the cops on my friend the second he left the bank. Lmao.
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Aug 24, 2018 21:56
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Fancy_Breakfast posted:How outdated is this business class? Is that even a lie flat seat? smh I literally said the seat went 180 degrees flat in my post. It's WAY better than economy. Not even close. My legs could fully extend without touching the seat in front of me. What airline was this flight on? There are plenty of bad business classes but there are also many good ones like Austrian Cathay Pacific Singapore Turkish Lufthansa Korean Air Air Canada Emirates Etihad Etc actionjackson has issued a correction as of 22:17 on Aug 24, 2018 |
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Aug 24, 2018 22:12
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I get an upgrade usually any time I fly ( on the 14+ hour leg of them anyways, no reason to bother on 4 hour legs of flights), and on those long long Pacific flights it really makes all the difference. Just having a seat that can recline all the way into a bed, with proper blankets and padding lets you get there not feeling like you were rung through a meat grinder. Sure having some nice Macadamia encrusted barramundi, multi course meals, free pajamas, etc are nice enough, but that poo poo I could live without in a heartbeat. It's that bed seat and legroom long enough you can't even touch the seat in front of you that's everything. Even premium economy ( at least on those 14+ hour Australian length flights ) is enough of an upgrade that it should be standard for economy on those long flights. I'd recommend to anyone looking to travel somewhere that far too check for deals on premium economy at least, and use seat guru to check on your plane and airline and if it's worth it (as well as optimal seats to choose).
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Aug 24, 2018 22:36
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computer angel posted:I was the last to board a plane once and got my economy seat upgraded to first class. It was nice, I was really drunk by the time we landed. I can see how much of a boon the extra leg room is for tall or huge people. Yeah my mom and I got booted from a flight they overbooked and this was before airlines were as bad as they are now so they put us on another flight first class as compensation. Big soft comfortable recliner-like seats and we got drinks before the plane even took off 
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Aug 24, 2018 22:56
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This is the worst derail ever.
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Aug 24, 2018 23:14
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 Taco truck taking advantage of exploded tanker truck traffic jam
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Aug 24, 2018 23:22
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Just need a truck full of portashitters to follow him.
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Aug 24, 2018 23:38
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The nice thing about Singapore Airlines is that the booze is free for everyone, including us plebs in economy. A Singapore Sling with breakfast never tasted so good.
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Aug 24, 2018 23:48
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she's asking because she needs one
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Aug 25, 2018 00:01
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ubachung posted:This is the worst derail ever. cash rules everything around me bitch ain't no derails in this thread
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Aug 25, 2018 00:16
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Technically it's about airplanes not railroads
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Aug 25, 2018 00:51
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Pirate Radar posted:Whenever poo poo like that comes up I’m always open to the idea that, okay, as long as the experiments have already been carried out the data might be useful, but then you read about the experiments themselves and it’s like the human centipede movies Nah. They lacked rigour and the studies were done on half‐starved prisoners, which, uh, aren’t representative of the general population.
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Aug 25, 2018 00:54
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