kevin_standlee: (Reno)
The temperatures from Friday through today have been hot: anything at 37°C or higher (human body temperature) is actually dangerous, since it means your body can't shed heat. Thus I was very much not looking forward to having to make a trip to Reno on Saturday. Because Lisa is going to Europe later this year (that's why she won't be at either Westercon or Worldcon), she wanted me to get her some Euros so that she would have cash upon arrival.

(Why not just draw money out of an ATM when she gets there, you may ask. Well, some of you may recall that on my trip to Barcelona a few years ago, I had the misfortune of having an ATM eat my card. I even managed to get the attention of someone inside the bank, and they shrugged and did nothing about it. Now in that case, I was at a Eurocon surrounded my friends, staring with Cheryl Morgan, who could all help me out, loan me cash, let me play the "Banco de Credit Card" by everyone paying me cash at a meal where I put the bill my card, and so forth. Lisa has exactly one debit card, and if something happens to it, she's stuck. I understand the worry.)

So checking Chase (where her account and debit card are), I found that the only way to order foreign currency requires going in to a branch, ordering it, and then coming back a few days later when the ordered currency arrives. That meant going to Reno/Sparks on Saturday in that heat. Yes, the Astro has air conditioning, but it's been not working as well as it should, and I already know how much trouble that van is with no A/C, given that it failed during the Winnipeg trip. And because of the setup on that account, it would have to be me making the order; I couldn't send Kayla in on my behalf.

On Saturday morning, I had an idea and checked my Bank of America account. Aha! You can make an online foreign currency order to have the money delivered to any branch (the nearest one to me is in Sparks), and you don't have to come to the bank until the money arrives. So instead of slogging into Sparks in the heat, I made the order. The money should be here in a few days, and the temperatures are forecast to decline from dangerous to merely unpleasant.

Including delivery charges, the approximate conversion is USD 6 = EUR 5 through BofA as of Friday.

Free Money

Jan. 10th, 2024 04:33 pm
kevin_standlee: (Kevin Standlee)
A few weeks ago, my name showed up on the California Unclaimed Property Register. Like other states, California holds onto unclaimed money for a set period, then deposits anything not claimed into their general fund. I happened to look and discovered to my surprise that there was money in my name that dates back to when I lived in Fremont. Claiming it was easy enough, and today the check arrived. Below is the check that I deposited to my account.

I'm In The Money )

Don't anyone say, "Don't spend it all in one place." And no, I have no idea where the money originated.

Cutbacks

May. 7th, 2023 12:02 pm
kevin_standlee: (Pensive Kevin)
At least one of the people who I know follows my journal is also someone who I've been supporting on Patreon. That's why it pains me that I feel obliged to cut back on a lot of my optional expenses, which includes Patreon and other subscriptions. This latest auto expense is something that is making me re-evaluate where I've been spending my money. We're not in the poorhouse by any measure (indeed, there are times when I'm astonished at how well I've done), but the curve is currently in the wrong direction.
kevin_standlee: Round logo with text "Tonopah, Nevada - Westercon 74 - July 1-4, 2022 - A Bright Idea" (Tonopah Westercon)
This morning, after a nice take-out breakfast from the Wigwam, running over to Grocery Outlet for perishables, and updating the Westercon 74 website with new COVID cases (alas), I buckled down on a very important task: collecting my receipts, sorting them by Westercon 74 budget areas, scanning them, and submitting to the Treasurer for reimbursement — assuming the convention took in enough money to pay for everything. This is a non-trivial task. In the end, thousands of dollars' worth of WC74 expenses were charged against my credit cards. If we have enough to pay for it, then I'll get reimbursed. If not, I have to eat it. (Yes, it's potentially a tax-deductible charitable expense, but that isn't that likely given that the mortgage is almost paid off and thus the amount I'd have to have to even bother itemizing is pretty high.) Now I knew that coming in, we might end up spending more than we took in. People have volunteered to donate toward any overrun. There are fannish groups that might be able to do grants. Other people have indeed donated money toward the cost of the convention. From the reaction we've had from those people who were there, we did a good job. But it cost more than we planned. The main extra expense: publications costs appear to have significantly increased over the past few years.

I've told our treasurer to pay everyone else's bills before mine, but I wouldn't mind being able to throw a few thousand dollars of expense reimbursements at my credit cards that I used to buy all of that food and printing supplies.
kevin_standlee: (Kevin and Lisa)
Last night, Lisa was clearing out some boxes of stuff that hadn't been touched in ages (probably since before we moved here) and found something unexpected.

We're In The Money )

Based on my searching online, these appear to be World War II-vintage banknotes issued in 1943 during the German occupation of the Netherlands. They seem to have some value, as I find them advertised online at prices starting around $10. What we'll do with them, we haven't yet decided.
kevin_standlee: (Fernley)
This afternoon after lunch, I took a bottle of propane over to Hanneman Service to be refilled, and while they did that, I walked across the street to get the mail and to go into Family Dollar where I needed to pick up a small item. The item cost, after tax, $6.16. I did not have exact change, but I wanted to minimize the amount of change I got back, so I handed the clerk $11.26 so that I would get a $5 bill and a dime instead of three $1s and a handful of coins. The clerk handed me back the $1 bill. I asked him why and he insisted that he'd just end up having to give it back to me in the change anyway.

I said, "Just type $11.26 into the machine; it will tell you how much change to give me." He wouldn't do it. I rolled my eyes, and because there were people queued behind me, said, "Just give me back the coins and type in ten dollars. I don't want to hold up the line." He seemed puzzled but did what I asked and gave me the $3.84 in change.

It's certainly not a big deal, but I found it oddly annoying. When I was growing up, I learned how to make change without aid of a computer. Considering the worthlessness of most coins less than a quarter, minimizing change seems like a good thing to me. But it's hard to do so when the person behind the counter can neither do math in his head nor type the numbers into the register and magically return the right amount.

If there hadn't been anyone in line behind me, I would have let him type the $10.26 into the machine and then given him the four ones and the one I'd originally tried to give him and say, "Can you change this into a five dollar bill for me, please?" But it wasn't worth it and I hate making others wait unnecessarily.
kevin_standlee: (ConOps)
I don't write a whole lot of checks anymore. One of the usual places I have a burst of them is at Westercon and Worldcon, as I typically pay my voting fee/advance supporting membership and conversion fees by check. I also had to write a check to Lisa's osteopath last month, as he doesn't take insurance or credit cards.

Kevin the Bad-Check Bandit )

In the end I think it all worked out okay. I guess I'm lucky that Lisa's doctor's office was working over the holiday weekend and let me know about the banking mistake so I could get it settled and avoid a bunch of returned-check fees.
kevin_standlee: Kevin after losing a lot of weight. He peaked at 330, but over the following years got it down to 220 and continues to lose weight. (Default)
I wrote yesterday of being highly disappointed with the offer I got for the gold crown and that I walked out on it. Near my soon-to-be-ex-home is another sell-your-gold place that only recently opened. I went for a walk this afternoon and decided to see what they'd offer me for it. They ran a rub test and weighed it, confirming that the crown appeared to be 2.5 g of 14K gold. They offered me $50 straight up. Considering that I'd previously calculated that the best-case value of the gold was $75 and that $50 was a reasonable offer (I rejected $30 yesterday), I decided not to quibble and took the offer, which they paid (to my surprise) in cash.

I might have been able to squeeze another $5 out of them, or from the other gold place, by getting the offer in writing (the first place had a "we'll match any other written offer and beat it by 10%), but I didn't consider it worth running around for an extra $5 like that. Besides, it's probably less than 2.5 g, on account of there still some dental cement on the inside of the thing. It was a decent offer and it gives me and extra $50 to put toward the rather large dental bill I'm going to get for the replacement crown.

Trimmed

Aug. 26th, 2010 12:49 pm
kevin_standlee: Kevin after losing a lot of weight. He peaked at 330, but over the following years got it down to 220 and continues to lose weight. (Default)
It's really a bit sooner than I normally would get a haircut, but because I'm leaving Monday and I did think I was somewhat at loose ends, I stopped by my regular barber's shop on the way to work and got a trim. He charges $16 for a haircut and I usually leave a couple of extra dollars as well. Imagine my embarrassment when I opened my wallet and found only $15 cash. Huh? I'd obviously lost track of what I'd been spending. He told me it was okay and to not worry about it. As I slunk out of the shop, I realized that in my pocket full of change, I had $3 in quarters left over from playing pinball last weekend. I went back and gave him the $3 and felt less like a deadbeat.

Now to go through my receipts and see if I can figure out what I spent that I forgot about.
kevin_standlee: (Manga Kevin)
About a month ago, USD1,020 would buy you JPY120,000 from Bank of America. The "wholsale" exchange rate (not the rate you and I would get) was around 122 Yen/Dollar.

Lisa wanted me to buy some yen in advance of our trip rather than trust to us being able to draw out yen upon arrival. There was some point to this. There is a daily limit on how much we could draw from the ATM, and a per-transaction fee, and we've been warned that Japan is a heavily cash-oriented society.

So when I saw that I could buy JPY120,000 for just over $1000, I decided it was time to strike. OTOH, I needed to move $1000 into my checking account from savings so that Bank of America could debit it. I put the transfer in, expecting to do the currency transaction the following day.

Then the dollar tanked. At first I held out that it would recover, but things got worse. Finally, yesterday, time ran out on me. If I want the money in my hands before I leave for Japan, I had to order it yesterday or today, or else pay another $20 for rush delivery. And of course the rate was worse yesterday than since I first started tracking it, and I ended up spending nearly $70 extra to buy that bundle of yen I am to pick up from the local bank branch on Tuesday or Wednesday.

The wholesale rate is now down to about 113.5 yen/dollar, a drop of around 7% since the day I originally intended to strike last month. Why is it that the dollar always seems to plummet relative to the local currency every time I travel to another country for Worldcon?

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