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Wednesday, December 28, 2022
Raising Awareness of Alcohol Intolerance
Tuesday, December 6, 2022
Fintech Banks
Define Fintech: Fintech refers to the integration of technology into offerings by financial services companies in order to improve their use and delivery to consumers.
I am all in in Fintech banks (aka neobanks), but they are just as bad as Uber, Grubhub and the like. If you follow financial news at all (which I don't, but I still hear about this stuff), apps like Uber, where they base their business on an app and then employ people to maintain it, bleed money out the wazoo. They stay afloat only by convincing investors to give them money, and then bleed it all away because the costs are too high to maintain. All apps are like this, and Fintech Bank apps seem to be no exception.
I used to be a regular bank user, and even though I always maintained a good balance, never went overdraft etc, the fees they charge are nuts. If you go below a minimum balance; if you don't do direct deposit; if you overdraft etc etc. I actually left Wells Fargo in my early 20s after the scandal of their team members signing people up for accounts they never asked for in order for them to meet quotas. Plus, they were all up in the housing market crash. Banks are shady as shit.
But now I understand why. I found an online bank called Simple. It was revolutionary. It wasn't just a website that showed your balance and maybe the last few things you bought. It had features. Features I didn't even know I needed. Like Expenses and Goals. I could automate my paycheck and put $300 per paycheck into an Expense folder and my bills would come out of it instead of my spending money. I could send a % per paycheck into specific goals to save up for things. (Which, I use for just about everything. I save up all year to pay my car tabs, which can be like $400 for a new car). It gave me budgeting tools, which admittedly I never used, but it was cool that they were there. It would automatically catrogorize everything I bought, like Groceries or Gas, and then you could look them up to see how much you spent on each catagory, and set a limit if you wanted to. It also had immediate notifications; every time I bought something, within seconds I could get a notification of the transaction. It really came in handy once when I was sitting on my couch at home and got a notification that I had spent $20 at a gas station in West Virginia. Um, no?? And I was immediately able to pause/cancel my card in the app and get sent a new one. The amount of things it could do was crazy and I loved it. But not only that, fees were non-existant. They didn't charge overdraft, or low balance, or any of those things.
But then, the worst happened. Simple was bought about by BBVA.
They were shutting their doors and giving people a chance to either switch, or get integrated into BBVA. During this impending doom, you will find many articles that sprang up - if you google "what banks are like Simple?" because people wanted a good alternative since Simple was so cool.
I decided to give BBVA a chance, since I wasn't sold on any of the alternatives that I read about. But it was a horrible transition. Not only did they have many issues with Simple customers, but they were just a traditional bank that had fees and no features. I jumped ship as soon as I could. I found a neobank called Douugh, and waited for almost a year for them to get an Android app before switching over. (Apparently there's a monthly fee now?! I had no idea; I am assuming grandfathered accounts like mine aren't being charged.)
But I am so done with them. I think they're gonna go under soon. They had features that they then took away (Like Peer2Peer instant transfers between Douugh users), features they promised to add a year ago and still haven't (like mobile deposit; anticipated December 2021) and are beginning to have issues with their app that are driving me nuts. My money is literally stuck; since I began using them I have never been able to connect with my other bank, BECU, to be able to transfer funds into it. I have never been able to use Zelle to pay Patrick, I even just signed up for Venmo but I get an error every time I try to send someone money. They still haven't added mobile deposit so if I ever get a check for something I have to deposit it into BECU, which is completely unnacceptable. If I didn't still have BECU I'd have no way to get that money into my account.
I finally decided enough was enough. Even though transfering banks is awful, I just had to find something else. But the problem was Fintech. Simple went under because they bled money, just like Douugh is bleeding money. Just like I read Varo is bleeding money. Chime had many complaints and attracted the attention of state regulators. As many as are available now, they're all pretty much in trouble. And I didn't want to sign up for another one just to have them go under like Simple did.
Click here to read the article on neobanks |
Enter SoFi. You may have heard of them; they own a stadium in Los Angeles. They have a lot of traditional bank stuff, but the app is also feature rich. I'm really hoping I'm going to like this one because I'm getting tired of jumping ship and having to switch all my stuff around. I'll let you know how it goes!
Monday, November 14, 2022
MOVING!!!!
Monday, July 25, 2022
Ozempic
and know what is healthy and what isn't) and had an account with the YMCA for a while where I did cardio or weights and signed up for classes.) So it's not like I was expecting this stuff to do all the work for me. But there's nothing on this list that had lasted me long term besides coffee. Coffee has always been there for me (Go Peptide YY!).
Monday, June 27, 2022
Keyboard Rabbit Hole?
The peripherals we're given for work suck; extremely so. CHI buys everyone crap Dells, which come with crap mice and super crap membrane keyboards. Some of the keyboards have actual keycaps, while some are much closer in design to a laptop keyboard and almost completely flat.
The first thing I replaced though was the mouse. I purchased a Glorious Model I gaming mouse. I had been using Patrick's old Logitech G502, but it was so heavy despite it being wired that it was fatiguing with 8 hours of use. Bu I love the overall ergonomics of the mouse with the thumb rest (that infinite scroll wheel though? UGH). When I saw a review for the Glorious I, I figured I had to try it. Not only was it ergonomic, but it had holes in it (racing holes!! lol jk) in order to make it extremely light. Yes, this mouse would normally be used for FPS gaming but there's no rule saying I can't use it too. I actually really like the mouse; it's so easy to move around that it makes using it all day much easier.
A while ago, I had replaced their crap keyboard with a "cheap" mechanical gaming keyboard from Royal Kludge. (What a name, huh?). It needed a few important things.
#1 - Mechanical. Membrane keyboards are just horrible to type on. I had been using a mechanical keyboard at home for years and I was much more used to it. In fact, my keyboard at home is from Mountain. It's modular with a removable numpad and hot-swappable keys.
#2 - Backlit. It didn't need to be RGB, but I needed to be able to see my keys better because I still touch type a lot.
#3 - Numpad. This is where all the money is. I could get a decently-priced 60% mechanical keyboard but I need the numpad for work so it limited my options to more expensive stuff.
As for the Royal Kludge, I mean, it fit the bill. I was able to get it with Cherry Reds, which are linear and quiet, and it came with RGB that I kept on a static blue/teal color. But I did have to modify it a bit in order to get it more usable. It has an acrylic-defused RGB ring around the edges which gave the typing a very hollow, pinging noise that was incredibly annoying so I added some foam inside to help with that. And then I added o-rings to the keys to help quiet it down. It only helped so much. Cheap is cheap.
But I finally decided to splurge a little bit and bought myself a new keyboard for my workplace. I don't work from home, so it's kind of a "waste of money" in a way to buy myself things for work because I don't get reimbursed for them even though I only use them at work. It just makes my life a lot easier.
So, I bought something better now that I hope I will never have to replace. The funny thing is that I'd seen a review of this keyboard on Short Circuit a while back but I didn't remember it, and I only heard from the other youtuber's I watch how good Keychron products are.
Another thing that sold me, besides the fact that it was RGB backlit, was the 96% layout. It's kind of an odd duck, but it's perfect for my needs, where I can still have a full numpad but get rid of all that empty space between so that it's basically the size of a keyboard without a numpad, saving desk space. It also has the option for bluetooth connectivity, which isn't super important to me but a nice to have if I want to get rid of the cord.
I kind of see the appeal of building my own keyboard now. I don't think I could fall as far as Random Frank P, but I certainly can see the appeal.
And now my desk is much nicer to be at, for sure. It didn't even cost me that much in the end. It's worth it when you spend 8 hours a day there, you know?
Monday, June 20, 2022
Angel Kitty
(How can you say no to that face?!)
Monday, May 9, 2022
11 small ways to Save the World
Sunday, May 8, 2022
Birthday trip
Thursday, March 17, 2022
Chip Shortages Affect Cars, Too
And now... for the dramatic follow up to the first post.
I'm not super stoked to write out this story because I'm still a little upset about the whole thing, but I need this for future reference.
You know I'm the research queen. When I considered replacing my Sonic, I started reading up on all the ways that dealerships can scam you out of your money. What things to watch out for, and what they will attempt to tell you or the excuses they will give to charge you things.
I came in with a folder. I thought I was ready. I had gotten an approval for a car loan from BECU. I had my credit numbers printed out. I had the average price of the car, what the MSRP was, and an entire print out of all the bogus fees dealerships might try to tack on. And of course I had Patrick with me in order to keep me in check.
When we first walked in, they tried to charge over $35k for a $27,775 MRSP car. They said they were tacking on a markup for the shortage situation. Look, I get it - it's a tough market, but you also have to realize that the longer a car sits on the lot unsold, the more it costs the dealership because they're basically charged a fee for every day it sits. So in the case of selling a car before it even hits the lot? Come on.
When we questioned this, she relented and said that was supposed to have been $31,775 and got it changed. Rule number one that I read is "Dealers don't make mistakes". She'd been doing this job for 3 years, and that would have been a very obvious error. It's not a mistake, they just get caught in a lie.
Then we also got the GAP insurance coverage removed, the oil maitenence package removed, and a reduction in the "PERMAPLATE" stuff that apparently "gets installed at the factory" and helps protect the car from dings and scratches. This is another thing dealerships try to tell you - they will "blame" the factory and say that they're charging it because they have to, as they didn't add it on, but all you have to say is "I didn't request _____, so I want the charge removed." You can do that for other things too, like VIN Etching.
They also do something I read about called "filling buckets" - it's just a visual aid to describe that they shuffle money around from one spot to another to make it look like you're saving more. They did that with my trade in. They first offered $10,500, but then reduced it to $10k after me asking for other stuff to be removed or something, I can't remember exactly. I was looking at the total at the end, and instead of charging $1200 for the PERMAPLATE, they were charging $999, and I figured if I could get that taken off entirely, it would work out. She basically asked me, "If we remove this charge completely, then you will sign?" Due to the $4k markup, the monthly for the vehicle was going to be much higher than I had anticipated. Although I had read that taxes for a vehicle in WA state would only be 6.8%, that doesn't include county tax, so it was more. And also the vehicle licencing charges were almost $800, which seemed outrageous and I was not expecting that either. On the plus side, they didn't try to tack on any "Dealer Prep Fees" or any other bogus charges, so it was just the straight taxes and licensing.
It was way more than I had originally mathed out. But then the manager said "what if you went from 72 months to 84?" I said I had gotten approved from BECU, and I'm not sure if this was intentional or if there was miscommunication, but he asked "for 84 months?" and I said yes, because I figured if I was approved for 72, why not 84? But we had agreed on a price that worked for me, which I think was $240 a month after down at 84 months. So as long as they took off the PERMAPLATE charge, I would sign.It's when we got to Finance that things changed and I probably should have backed out. She told us that you can't finance anything less than 20k at 84 months, which is true for a lot of banks, and because we couldn't put as much down as we were anticipating (as it would bring the total cost below 20k), then the monthy would go up to $255. They had tacked on the extended warranty and couldn't remove it or it would drop the loan amount to below 20k. I mean, after raising my concerns, she did take $500 off the extended to bring it down to $2500, and somehow reduced the cost of the licensing fees to somehwere around $450 and it still kept the loan above $20k. Plus, she told us that if we wanted to remove the extended warranty all we had to do was call them, and a check would be cut directly to the bank and it would take $2500 off the total, but it obviously wouldn't reduce our monthly.
[Side note: The reason I focus on the monthly payment is not make it low enough to afford, I know that is a mistake. I want it the lowest I can possibly make it so that I have the ability to overpay every month. I had paid off my Sonic loan in 3 years. I knew I wasn't going to still be paying off this car in 7 years, and not even in 6.]
My mistake was signing anyway. It was after 9pm, we were all tired. She told me "lets just secure this paperwork and get you home" (including putting down a $500 deposit to secure the new car).
That night, after I got home, I was phisically ill. I couldn't sleep. I kept telling Patrick how much I regretted this, and he was saying that everything was fine, everything would be fine, we could afford it. But I didn't like it. I felt like we were taken advantage of, that it was a type of bait and switch, that we had agreed on one price but then Finance told us different, and the whole thing didn't sit well with me and I wanted to back out. He said that was fine, that we didn't "sign anything" and I could still back out.
The car would be arriving that Saturday. I texted the rep that I wanted to back out. She had originally told me that the $500 deposit was contingent on me liking the car, since it wasn't available for me to test drive. And I figured that if she refused to return the deposit then I could issue a chargeback on my credit card since I had no intention of picking up the car.
She said that I had signed over the Sonic and it was now their car. I said I still had the title...? She sent me a picture of the affidavit I signed the other night in Finance. That basically meant that I had no recourse to back out of this. You see, even though I held the original title to my Sonic, they had me sign a Affidavit to Release Interest in the Sonic. It was now their car, and if I didn't give it to them, they could repo it. I was stuck. Although I had gotten advice saying that it wasn't legal and they couldn't do anything if I didn't drive the car off the lot, it didn't make sense to me that they never needed MY title of the Sonic. That affidavit had to be a legally binding document.
I spoke to the manager, and he got me another $250 off the price, which lowered my monthy to $251 (oh joy), but that was all he could do. I mean, I was more upset with myself than them. I did sign all the documents. The only part I can't prove was whether or not they had intentionally made it seem like I could do 84 months at a lower payment then was actually possible.
I told Patrick that we were going to go pick up the car. He was upset that I was upset, and to him it seemed like I was folding under pressure. But I just had to chalk it up to experience, and an expensive mistake, and it's not like I still didn't want the car. It was just right now was bad timing. We were planning on moving out in May, and I had to take some money out of the Savings for moving in order to meet the down payment. And due to Patrick owing taxes and such, it just meant that we were going to have to sign another lease at our current place for another 6 months. But that might work out for the best in the end, since the new apartment was going to be a bit more expensive than this one anyway.
I can't say I got a bad deal. The only thing they ended up getting away with was the $4k markup. And they weren't the only dealership charging $31,775 for the car. But I can't wait to take the Honda of Burien plates off my car, that's for sure.
Wednesday, March 16, 2022
New Car
As the title suggests, I got a new car. I was already planning on replacing my 2015 Chevy Sonic LTZ for 2 main reasons... #1 is that it has had a number of mechanical and electrical issues since I've owned it in the last 6 years, and I felt like there was another one coming due to rough idling (it only had 70k miles on it). #2 is that right now, the used market for cars is nuts, and Kelley Blue Book said my car was worth $10,200, when I had paid $12-something for it 6 years ago.
So the only real issue with a high rate of return on trade-ins is that many new vehciles right now have a mark up because dealerships are getting very few sent from the factory and therefore need to make up for the loss in revenue due to this. That was the case for the car I wanted to replace this with, which was a 2022 Honda Insight hybrid.
Right now, gas prices are also nuts, and while you would think the tiny body and engine (the LTZ model had a turbo as well) of the Sonic had to have had some great gas milage, it just didn't. With a 12 gal tank, it averaged about 280-300 miles, and roughly 27mpg, with a HP of 138. The Insight on the other hand, is a mid-sized sedan with a hp of 151, a 10.6 gal tank, and gets about 500 miles to a tank; roughly 50-55 mpg. It's basically the best in its class and on par with the Prius.Thanks to youtube reviews, I knew basically everything about the car inside and out before even going to the dealership (obviously this isn't the end all-be all of information, but no dealerships had any cars on the lot for me to look at personally, so it's all I had). And compared to the Prius, Honda did them one better. The EX trim, which is their base model, had all the high tech saftey sensors that the base model Prius lacked.
- Safety features:
- Driver-assistive features:
Thursday, March 3, 2022
OnePlus 9 Pro Update
Oh I'm settling. So hard. |