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bval

Last status update:
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Date Signed Up:5/03/2011
Last Login:7/30/2016
FunnyJunk Career Stats
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Highest Content Rank:#13668
Highest Comment Rank:#2760
Content Thumbs: 8 total,  17 ,  9
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Level 0 Content: Untouched account → Level 1 Content: New Here
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Content Views:1575
Times Content Favorited:2 times
Total Comments Made:998
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latest user's comments

#190 - What about Cast Away?  [+] (1 new reply) 03/17/2016 on fave roles +1
#192 - bval (03/17/2016) [-]
Or maybe Saving Private Ryan?
#131 - I wonder what Tom Hanks would choose...  [+] (4 new replies) 03/17/2016 on fave roles +1
#190 - bval (03/17/2016) [-]
What about Cast Away?
#192 - bval (03/17/2016) [-]
Or maybe Saving Private Ryan?
#145 - tokko (03/17/2016) [-]
I think he would choose Forest Gump
#142 - jamesboag (03/17/2016) [-]
green mile it would have to be wouldnt it?
#19 - Since the discovery of S/2004 N 1, Triton is the eighth known … 03/17/2016 on waiters +1
#73 - You could always favorite a comment so that you don't fo… 03/14/2016 on Getting schooled +1
#69 - You should get your yearly credit score for free at Equifax, E…  [+] (2 new replies) 03/14/2016 on Getting schooled +1
User avatar
#71 - gravysponge (03/14/2016) [-]
Thanks for the advice bud, I'll remember it.
#73 - bval (03/14/2016) [-]
You could always favorite a comment so that you don't forget it
You could also thumb
#65 - Personally, I use GE Capital Bank. You can move money in and o…  [+] (4 new replies) 03/14/2016 on Getting schooled 0
User avatar
#66 - gravysponge (03/14/2016) [-]
Ah I see what you're saying. Makes sense.

As for my credit score, that's another thing I'm planning to work on. Right now I'm not even sure what it is, I haven't done much purchasing of any kind in my life, but my plan to build credit is to get a small credit card then use it to pay basic expenses like food and such, then pay off the card every time as soon as the bill comes. I could even pay for things my parents would buy normally, then have them pay me what they'd pay normally, letting me move more money through the card and get a better score faster without having to actually spend hundreds of dollar a month on stuff.
#69 - bval (03/14/2016) [-]
You should get your yearly credit score for free at Equifax, Experian, or TransUnion right now, just to check.

I have a credit card that gives me a FICO credit score every month. I pretty much just use it to pay for Netflix I don't even watch Netflix that much; for me, its main purpose is to increase my credit score , and I have it set to auto-pay at full balance. You should always have your credit cards on auto-pay nowadays.

Actually, there's no point in having more money move through the card, as your plan goes, because the greater the credit card's utilization, the more it will hurt your credit score. The only reason to do so would be if you are destitute, or if you want to get rewards like miles or cash back or whatever. For cash back credit cards, I would recommend Amex Blue Cash Everyday. You get 3% cash back at supermarkets. The kicker is that you can buy gift cards at your grocery store for gas or whatever you want to buy and then use those, in order to ensure you always get 3% on your purchases. If you can have a decent credit limit, so that your utilization ratio isn't too high and your FICO score suffers, and you plan on actually doing this a lot, get the Preferred option. The fee is $75/year, but if you use it to spend >$48.08/week at a grocery store, it will be worth it. It depends on how much you spend. The choice is yours.
User avatar
#71 - gravysponge (03/14/2016) [-]
Thanks for the advice bud, I'll remember it.
#73 - bval (03/14/2016) [-]
You could always favorite a comment so that you don't forget it
You could also thumb
#57 - I forgot to log in.  [+] (6 new replies) 03/14/2016 on Getting schooled 0
User avatar
#58 - gravysponge (03/14/2016) [-]
Wanna elaborate on CD's for me? I'm interested in and appreciate any advice people give me.


Right now i'm just keeping it as simple as possible by moving my money out of my basic account into a moneymaster account as I am paid, very low interest but no bills. I store my money there and any that I spend or take out first gets moved into my checking account. Right now I'm focusing more on work trying to get that raise and possibly moved into an even higher/better position, so keeping everything simple is high on my list of priorities. I am thinking of eventually moving a good chunk of money into an account that will generate some interest though.
#65 - bval (03/14/2016) [-]
Personally, I use GE Capital Bank. You can move money in and out of your bank's checking account at any time, though it takes about a day for it to go through. I keep approximately twice my monthly expenditures's worth in my checking account in a physical bank, and the rest at GE Capital to maximize interest yield. I also have it on auto-transfer, so that my approximate net income is automatically transferred from my checking account (which receives direct deposits from my employment) each week.

Also, CDs are shit because the benefit of slightly higher interest rates is not matched by the cost of tying up your money. What if something changes in your life and you need that money? You can get it, yes, but you're penalized. If you went with the GE Capital Bank 5-year CD at 2.00% APY, your fee would be interest for one year If you put it in a savings account, you can jump ship at any time with no worry of losing your progress.

In addition, interest rates for CDs are not much better than savings accounts nowadays. At GE Capital Bank, for instance, rates for CDs for terms of 18 months or less are actually less than the online savings.

If you're looking for long-term storage, you should probably instead invest in the stock market and/or savings bonds, which have far better yields than CDs. Or you could pay down your loans or mortgage.

BTW, how is your credit score?
User avatar
#66 - gravysponge (03/14/2016) [-]
Ah I see what you're saying. Makes sense.

As for my credit score, that's another thing I'm planning to work on. Right now I'm not even sure what it is, I haven't done much purchasing of any kind in my life, but my plan to build credit is to get a small credit card then use it to pay basic expenses like food and such, then pay off the card every time as soon as the bill comes. I could even pay for things my parents would buy normally, then have them pay me what they'd pay normally, letting me move more money through the card and get a better score faster without having to actually spend hundreds of dollar a month on stuff.
#69 - bval (03/14/2016) [-]
You should get your yearly credit score for free at Equifax, Experian, or TransUnion right now, just to check.

I have a credit card that gives me a FICO credit score every month. I pretty much just use it to pay for Netflix I don't even watch Netflix that much; for me, its main purpose is to increase my credit score , and I have it set to auto-pay at full balance. You should always have your credit cards on auto-pay nowadays.

Actually, there's no point in having more money move through the card, as your plan goes, because the greater the credit card's utilization, the more it will hurt your credit score. The only reason to do so would be if you are destitute, or if you want to get rewards like miles or cash back or whatever. For cash back credit cards, I would recommend Amex Blue Cash Everyday. You get 3% cash back at supermarkets. The kicker is that you can buy gift cards at your grocery store for gas or whatever you want to buy and then use those, in order to ensure you always get 3% on your purchases. If you can have a decent credit limit, so that your utilization ratio isn't too high and your FICO score suffers, and you plan on actually doing this a lot, get the Preferred option. The fee is $75/year, but if you use it to spend >$48.08/week at a grocery store, it will be worth it. It depends on how much you spend. The choice is yours.
User avatar
#71 - gravysponge (03/14/2016) [-]
Thanks for the advice bud, I'll remember it.
#73 - bval (03/14/2016) [-]
You could always favorite a comment so that you don't forget it
You could also thumb
#162 - Infidoll Emma needs more viewership, too. 03/13/2016 on finally, a normal one 0
#8 - You have great taste. That also is probably my favorite cheese… 03/09/2016 on Cheese lovers +2
#87 - Two seconds on Wikipedia. 03/05/2016 on You rage you lose 0