Archive for the ‘finances’ Category

2 steps from the future: bluetooth

Wednesday, January 23rd, 2008

I got a wireless Bluetooth stereo headset in the mail today.  The software is a bit feature poor as far as switching between functions but once you switch from one device to another the hardware works great.  The sound quality in stereo is great and as good as possible in telephony.  There seems to be very minimal lag in changing tracks to when I hear the change.  I’m real happy so far.  The headband around the phones is plastic but seems sturdy enough.  I’m really happy with how light they are, especially considering my last foray into wireless headphones was about a decade ago and was via fm radio.  Those things had 2 or 4 AAs in them and a lot more hardware, I’d say they weighed more than my current phone and these headphones combined, even ignoring their annoying and fickle base   Charging is accomplished via an included wall adapter, I’d have preferred the ubiquitous USB since it’s easier to switch out USB ports than it is coveted and less transient wall outlets.  The range covers my whole house with only minor hick ups coming up the stairs in the basement.

my new bluetooth headset.

As a Burial sample probably says in Untrue’s Endorphin: “and you’ll see always the flashing blue lights.”
It was like 68 dollars with free shipping at amazon when I got them.  Well worth it thus far.

Great advice from my bank.

Tuesday, January 8th, 2008

from BoA homepage

Take this opportunity to get a personal loan up to $35,000
What can a personal loan from Bank of America do for you?
A Bank of America personal loan is designed with your life in mind. Whether you want that extra money for large purchases, vacations, education expenses, a wedding or other major event or for consolidating your expenses, it’s there for you.

On the page expalaning the loan (here) it has a moving flash banner that rotates in and out of bold all the great things you can do with the vast sums you’ve borrowed from you bank.  The main page those has the above static image, suggesting an apparently relaxing and long imagined trip to Las Vegas Nevada.  This huger personal loan can be paid back for between “8.99% and 24.99% based on creditworthiness.” None of these most harped on reasons to borrow are even remotely sound, and the main banner is a terrifying thing. I am loath to imagine some poor schmuck taking out a loan for 35,000 dollars and running off to Vegas to piss it all away inside of ten days. The bank is suggesting to me that I take the money and run, they’re practically asking me to waste the bank’s money, ruin my credit and bury myself in debt.

This is like a gun advertisment suggesting I buy a firearm to go hunting, come home and kill my dog and while I’m at it, just go for broke and shoot myself in the foot.

mp3’s: Amazon’s Great Leaps Forward.

Thursday, January 3rd, 2008

I’ve talked before about Amazon’s Mp3 service and how much I prefer it to iTunes for a large number of reasons that should be obvious to anyone reading this: Amazon is cheaper, easier, and DRM free. I can now add what (if not for Christmas) is a death blow to my use of the iTunes music store. I’ve gone looking for a number of albums on iTunes since I’ve been given 75 dollars in credits for Christmas from a couple of people. (Thanks to Uncle John and the Gillens.)

As a for-instance I wanted to buy Mastadon’s Leviathan and an album I read about in Spin Lights Go Out Over Kortedala by Jens Lekman. Both are on sale in the regular iTunes store for 9.99, which means they have DRM, something that I’ll not abide by as a consumer. (though now, enter the hypocrisy, I’m going to load my DRM free tunes onto an iPod running Windows Vista.) Both can be had for 8.99 from Amazon. I won’t link to the pages because it’s true and I’m tired. To put another nail in the iTunes coffin, the bestselling track by Lekman (as observed from the iTunes popularity bar and the bestselling ratings on Amazon) is .10 cents (~10%) cheaper on Amazon. Jens Lekman’s Postcard to Nina is an .89 cents DRM free MP3 on Amazon and a .99 cent DRM crippled .m4a from apple. All of this makes me really glad that I, the digital content consumer, have access to a larger number of choices in buying content and an (apparently) increasing control over that purchased media. Horray for Amazon, too bad this doesn’t make it any easier to spend the money on iTunes.

In another short amazon related note, I bought something from them the other day and decided I could better spend the 40 dollars so I steeled myself for the hell that is returns to a retailer. Amazon wins again, I printed 3 pages, 2 of which I needed and taped the box closed and can now drip the item off at the post office where it will be returned free from any charge to me. The ease of this experience so far furthers my clearly increasing loyalty to Amazon as my Internet retailer of preference. Lower prices still will drive me elsewhere, my fandom has not stripped me of sense as a consumer but my hyperbolic motto for buying things remains: “If I can’t get it on Amazon, I probably don’t need it, unless its food.”

ING + Sharebuilder FTW?

Monday, November 19th, 2007

ShareBuilder has some exciting news. As of November 15, ShareBuilder has been acquired by ING DIRECT, the nation’s largest direct bank with over 5.5 million customers and $75 billion in U.S. assets (part of Netherlands-based ING, NYSE: ING). ING DIRECT shares our vision of helping Americans increase their savings.

ING DIRECT is widely recognized for offering some of the most popular and easy-to-use savings products. Joining the ING DIRECT family will benefit you by providing simple and innovative products and services that can help you meet your saving and investing goals including savings, checking and mortgages.

Rest assured there have been no changes made to your ShareBuilder account. You can continue to use the same account number, login and password, and can access your account anytime at sharebuilder.com. Over the next few weeks, you’ll begin to see ShareBuilder adopt ING DIRECT’s signature Orange color. Also, get ready to see some innovative new products, services and additional value as ShareBuilder becomes part of ING DIRECT.

Since I do my stock trading via Sharebuilder and my savings products are all from ING Direct I can hopefully link the two existing accounts more closely now. This is the kind of merger and convergence that seems like it could be very positive for customers. I hope. Now if ING’s Electric Orange Checking Account was slightly more robust I’d jump ship from Bank of America in a second. That won’t happen though since you practically trip over BoA ATMs here in Boston. If you’re not already using ING for your savings account then let me know, I can refer you (assuming you start the account with at least 250 dollars though there’s no minimum on the actual account) and we both make money.

a good deal

Thursday, November 1st, 2007

This seems really cheap. ~175 (-6 dollars for newsletter subscribers) for a 500 gig eSATA drive, shipped free? I imagine the internal interface is not Sata so you don’t get real eSata speeds. My external is almost full and I like this case design. I’ve got to restrain myself.

new digs, old space, old music

Monday, October 22nd, 2007

I rearranged my room last night instead of going to sleep when I should have and then got up too early to eat breakfast and lay on my floor listening to the radio. The new furniture arrangement is much better overall and makes this room seem bigger than before and more comfortable and livable. It also makes my bookshelves more impressive.

I joined WGBH and gave them a bunch of money and they’re going to keep making shit and send me this:

23-CD BOX SET: Essential Beethoven
On 23 discs, here is the essential music of Ludwig van Beethoven: the complete Symphonies, complete concertos, complete string quartets, the “name” sonatas and more, in definitive performances from the stars of the Deutsche Grammophon catalog. You’ll also receive a bonus CD of Carlos Kleiber’s legendary 5th Symphony with the Vienna Philharmonic.

I’ve been meaning to get into classical music for way too long and this seems like a good start. It’s pretty much more Beethoven than you’ll ever need, I think and I imagine these are all good recordings that are important in their own rights to classical music buffs. The collection is probably between 23-26 hours so that seems worth the price of admission unto itself. Also: Tax deductible I assume.

Stocks and Online Finances

Monday, July 16th, 2007

I’ve invested some money in the stock market over the last few months, since early April. I’d decided I’d fiddle with finding the cheapest way to invest like 50 bucks and pick a stock and try to beat my savings account’s growth of 4.5% with ING. (seems to be the best thing going in savings accounts: no fees, all online, no minimum balances etc. great all around.) By late May I’d decided to put a total of 250 dollars into Nintendo (NTDOY) makers of the Wii console. (Disclosure: Clearly this makes any statements about Nintendo suspect and subject to bias on my part.) Anyway, Its been doing well and I’ve made, after the fees I’ll have to pay when I divest (16 dollars through ShareBuilder, whose service was been 85% reliable and more importantly cheap to the point that it’s almost reasonable to invest with them even if you’ve only got 500 bucks to mess with (I’ve only got like 300 total, anything not in Nintendo is in SPDR S&P 500, which grows slowly but still quicker than my savings I think.) All around it’s a good experience. I think though I’m tempted to hang on to the Nintendo stock just so I don’t have to file a normal 10-40 and pay Capital Gains Tax. Maybe when/if I divest I’ll go out and buy a Wii. I’m glad I haven’t pulled a Silas Lapham and “I began to lose, and then I began to throw good money after bad,just as I always did with everything that Rogers ever came within a mile of.”

Even though it makes me nervous, doing all my banking and financial stuff on the ol’ internets is really easy. I’ve got all my accounts hooked together which probably makes it easier to steal all of my money and it’s probably a liability to even talk about too much. Time to change all of my passwords to something other than “password” and “mom.”

It’s easy to save what the cannery pays cause there ain’t no way to spend it.