Many highly rated FW threads have grown out of user requests in the course of a seperate discussion. Some very recent examples are here and here .
At the same time, we get many questions over and over again, in various OT threads, where FW members are (justifiably) reluctant to answer them.
Anandtech has had an "I wanna" thread that would handle requests for hot deals, which avoided cluttering the forum up with numerous threads begging for a deal. In that same tradition, the purpose of this thread is to serve as a centralized location where FWF members, new and old, can request threads devoted to particular subjects. People who are looking for answers that they can't find good information on can ask their questions here. Likewise, folks who are looking for a suitable way to contribute back to the community can look for suitable projects here as well.
One nice way to handle this might be to have an "edited-by-all" post after this one keep a member-updated list of requested threads, along with posts by volunteers willing to tackle these projects. I'll start with a couple of projects, one of which I'll volunteer to do myself.
Please offer suggestions for refining this thread in order to increase its usefulness to all. TIA.
Users like you can add images, links and other relevant information about this topic.
posted: Jul. 21, 2005 @ 6:15p
slimcustomer
Senior Member - 1K
posted: Jul. 22, 2005 @ 10:22a
Great topic Dave. I have long thought about the best way to run a thread about credit union hot deals. I'm sure many good deals are overlooked because they're not heavily promoted and/or widely known about. Since many credit unions have very restricitive membership fields, posting deals in the cd, Heloc, or other threads can just serve to tease and disappoint. Posting them in a seperate thread would alert people that the deals posted are a big YMMV. Obviously, Penfed and other credit unions that are easy for everyone to join wouldn't have the same concerns. With 1,500+ credit unions out there, it's too much for one person to keep track of the hots deals out there. Plus, with this amount of info, proper thread organization is key. Is the best way to categorize CU deals by state or some other way? Cuna.org has a good search engine to find about 90% of the CU's out there, many of which have their own websites. I'll be happy to work on a thread in this area, but I'd like some feedback before starting.
Edit. Thanks, after getting some input, I'm going to work on updating some of the excellent threads on credit unions and post hot deals where appropriate.
Reading Tooshy's comments on the Altura CU thread, I was intrigued with the idea regarding financial institution's trends to develop customer relationships via multiple lines of business. This was evident with Altura's top CD rates and Wells Fargo PMA which offers extremely attractive brokerage option for 250K+ account balance. Interesting to speculate how many future mergers may take place to consolidate brokerage and banking and insurance institutions in order to compete for the "one place shopping" for your money. Is there a thread in place to consolidate a list of financial institutions that offer financial perks for multiple lines of business? if so, sorry my search missed it. If not, it's a suggestion.
EugeneV
Ancient Member
posted: Jul. 25, 2005 @ 7:38p
It would be nice to have a thread dedicated to every bank and every credit card product, with current promos offered to existing members (not targeted), e.g. Discover's 5% on select categories, fee-waiver for tax filing or UAL Signature Visa's double miles on tuition.
I seem to have started pretty decent threads on Advanta cards and on Capital One cards where FWers can compare their solicitations. Both do not require constant OP updates.
Maybe it would be a good idea to make FAQ-type threads something different altogether: let only senior members start and update them (there should be no discussion there anyway) and add an option to search in FAQs only.
bluegenie
Senior Member
posted: Jul. 25, 2005 @ 8:06p
In http://www.fatwallet.com/t/52/497801/ DYS said "those experienced in suing debt collectors for fun and profit shouls start a thread on the subject.... ". That would be a great thread. I wouldn't mind filing a few suits.
zender
Senior Member - 2K
posted: Jul. 25, 2005 @ 9:00p
Dave,
Thanks for the excellent thread suggestion. A 'suggestion box/wish list/volunteer' thread is an awesome idea. I'm mulling ideas now for just how I can best contribute.
-z
workingonit
Senior Member
posted: Jul. 27, 2005 @ 4:05p
Would it be useful to have a thread correlating CR scores with CLs granted for the various cards, and outright rejections? Possibly differentiated by whether the person is a new customer or (if not) whether his past history with the company in question is "perfect" (always on time & never overlimit) or "flawed" (having one or more late fees or overlimit fees)? And knowing your strong feelings on the matter, Dave, perhaps there could be a third category, "above & beyond," for those who are not only "perfect" but also always pay more than the minimum, even on a 0%-APR BT. Also it would be good to know if the person had applied for a better card but been given another.
Such a thread might save some of us some unnecessary hard pulls (as well as time & effort) because we'd be able to see, for instance, that within the FWF population having a CR score in our own range, there had been only rejections (or at least no known approvals) for the card we want.
Such a thread might also help in researching the theory I've seen here somewhere, that the CC companies covet customers who incur fees. (So I guess the thread should also differentiate those who've paid finance fees from those who've avoided them.)
This is all very nebulous in my mind. To be optimally useful, it would have to be set up very carefully. But I imagine you long-time members might be able to polish the idea into shape.
Edit: clarity of wording
TheBigDon
Senior Member
posted: Jul. 27, 2005 @ 4:46p
I'll take the USAA ACH based system - just need to wait untill there information is sent to me.
I like to see a thread about 529's, best ones, special deals like Target gift card etc.
I volunteer to get it started by compiling what I can find here.
But I am travelling quite often and I can be away for 1 or 2 weeks so sometimes updates might be slower then expected.
Bycracky
Senior Member
posted: Jul. 27, 2005 @ 9:08p
zender said: Dave,
Thanks for the excellent thread suggestion. A 'suggestion box/wish list/volunteer' thread is an awesome idea. I'm mulling ideas now for just how I can best contribute.
Thanks all for the good suggestions and the volunteering!
Do please take a moment update the "Quick Summary" post with your ideas, your time frame when you do volunteer, etc.
First IB CashEdge thread is now posted, per the QS.
tooshy
Frivolous Member
posted: Jul. 28, 2005 @ 11:34a
I would like to see more investment outlook threads. I know discussion of specific investment products are not allowed on this forum, but I am looking for more discussions linking macro events and investment strategy. Perhaps this is not the right forum as interest in this is generally poor and limited to discussions of real estate, CDs, savings bonds, and stock market.
Perhaps the reason for lack of interest here is the nature of FW, quick hot deals that are sure profits. The problem with investments is it is NOT a sure deal, while stakes are higher, rewards should commensurate with time and knowledge accrued. So I'd like to start spending my available free time in this area (I'm a late bloomer) and not so much on other finance topics.
Actually, a thread discussing how to sue telemarketers for $500 a pop when they call after a DNC notification (or worse, send you junk faxes) would be fantastic, and possibly quite lucrative.
zender
Senior Member - 2K
posted: Jul. 28, 2005 @ 1:01p
My hunch is that you meant to reply to and quote bluegenie's post that stated In http://www.fatwallet.com/t/52/497801/ DYS said "those experienced in suing debt collectors for fun and profit shouls start a thread on the subject.... ". That would be a great thread. I wouldn't mind filing a few suits.
Bycracky said: zender said: Dave,
Thanks for the excellent thread suggestion. A 'suggestion box/wish list/volunteer' thread is an awesome idea. I'm mulling ideas now for just how I can best contribute.
i'd like to see a thread with information/guide to students/first time applicants applying for credit cards. i'm going through this process and couldn't find that much information regarding this topic.
summitsix
Senior Member
posted: Jul. 28, 2005 @ 7:46p
Lots of threads regarding massive CL's. Usually, they are the result of combining multiple cards from the same issuer. What I wanna see is how high of a CL have you received WITHOUT combining cards. This would provide some good data points on max CL's each card imposes and how close people have come to that max CL
I haven't updated recently so pm's are welcomed with suggestions.
impoverished
Senior Member
posted: Jul. 29, 2005 @ 1:06p
There is a thread called "Flushing Saving Bank CD GREAT GIFTS!!!!!!!! and a Great rate also". Going to the web page (http://www.flushingsavings.com/gifts/Gifts.htm) displays a long of list of gifts and the deposit amount required to get them. I'd be curious if someone would be willing to go through and get the street prices of the items listed and calculate the net interest yield. Any takers?
zry
Senior Member
posted: Jul. 29, 2005 @ 2:51p
impoverished said: There is a thread called "Flushing Saving Bank CD GREAT GIFTS!!!!!!!! and a Great rate also". Going to the web page (http://www.flushingsavings.com/gifts/Gifts.htm) displays a long of list of gifts and the deposit amount required to get them. I'd be curious if someone would be willing to go through and get the street prices of the items listed and calculate the net interest yield. Any takers?
Forget it. It's not the street price that matters. You will be paying tax on the inflated "declared price". So after tax you may actually be LOSING money!
sziv50
New Member
posted: Jul. 29, 2005 @ 6:35p
torchedlh said: i'd like to see a thread with information/guide to students/first time applicants applying for credit cards. i'm going through this process and couldn't find that much information regarding this topic.
I agree. I just graduated and have spent a lot of time on this site trying to learn best practices, etc., but this is one area on which I haven't been able to find too much info. Any advice would be greatly appreciated!
Auream
Senior Member - 1K
posted: Jul. 30, 2005 @ 12:34p
zry said: Forget it. It's not the street price that matters. You will be paying tax on the inflated "declared price". So after tax you may actually be LOSING money! Sure, they'll 1099 you for the full MSRP, but you can always declare on your taxes what the actual "street price" of the item is and pay tax only on that amount. Just be sure you have supporting documentation (ads from retailers would probably work well, printouts from respectable websites like Amazon.com perhaps would be the next best).
Thanks for the suggestions. Please do be sure to update the QS post, so it stays current...
GermanExpat, thanks for the child savings thread. As for 529s, make sure to review this 529 thread.
I would love to see someone do a good quicksummary on the entirely unmangable giftcard thread. Edit: it seems that this is the better GC thread these days. I haven't worked my way through it, so I'm not sure if this is still needed, and won't put it on the QS list above unless that suggests it's a good idea.
golf247
Addicted Member
posted: Jul. 31, 2005 @ 6:10p
Since most newbies (myself included) create a new thread when they have a question that has unknowningly been covered and or are not familiar with how this forum tries to limit new threads, or don't know how to utilize the search feature to it's full capacity, should there be a sticky thread with a title saying something like, "Ask here first before starting thread"
Correct me if I'm wrong, sticky thread = stays at top of thread lists like Daughter thread.
I know idea seems off a bit, but I see a lot of seniors telling newbies to search, etc and it comes off as rude or flamming when they are probably just tired of answering the same question over and over. The Ask here thread could (hopefully) point people in the right direction before they start a new thread.
golf247, how exactly would the thread you're envisioning differ from this thread?
golf247
Addicted Member
posted: Jul. 31, 2005 @ 8:58p
I thought about that when I was typing the message, different title should cover it to some extent, but then everyone that is subscribed to the current thread may get tired of reading about every tom, dick and harry's unsearched question. This would get in the way of the purpose of this thread as I can see a lot of people, including you getting tired of telling everyone where links are etc. I see the Ask here thread as being a Newbie connection ground so they can get their feet wet.
I really believe the sticky secrets thread could be utilized in the same manner. Only downfall to it is that the instructions for searching and the tips by Tyler are at the bottom of the OP. Moderate tips to top, followed by search and then links to popular discussions, I'd also change the title to Include "Newbies Read This Before Posting: Tips and Tricks". Tip number one would go along way to keep newbies from thinking FW members are rude (particularly when they get edited on their first post, etc).
Tip 1 Be prepared to be referred here:
If another poster suggest that you take a look at this thread, don't take it personally. That suggestion is likely done to help you and other members make FW Finance the best finance forum it can be.
golf247 said: I see the Ask here thread as being a Newbie connection ground so they can get their feet wet.The problem is, the "experts" won't frequent that thread, so why would newbies want to frequent it? I really believe the sticky secrets thread could be utilized in the same manner. Only downfall to it is that the instructions for searching and the tips by Tyler are at the bottom of the OP. Moderate tips to top, followed by search and then links to popular discussions, I'd also change the title to Include "Newbies Read This Before Posting: Tips and Tricks". Tip number one would go along way to keep newbies from thinking FW members are rude (particularly when they get edited on their first post, etc).
Tip 1 Be prepared to be referred here:
If another poster suggest that you take a look at this thread, don't take it personally. That suggestion is likely done to help you and other members make FW Finance the best finance forum it can be.
These might be worthwhile suggestions...why not reply to the secrets thread with them?
golf247
Addicted Member
posted: Jul. 31, 2005 @ 11:43p
Secrets thread is locked.
Newbies would be able to answer Newbies question. I agree that eventually the'd venture out but if Mods can make it such that new threads can only be started by >1 yr members that have some # of posts it may work to limit the amount of useless threads (the ones that you can google an answer to are really pathetic) Some would still read newbies replies, but it might help limit the number of new threads, until all newbies get >1 yr etc, but flaming should get them on the right track, particularly telling them to use the secrets thread first and then google, then post.
golf247 said: Secrets thread is locked. Good point, I hadn't paid attention. Previous such threads weren't locked...I wonder why they chose to do it this time? Getting constructive suggestions and discussion about same is a good reason to keep it unlocked.
I appreciate your concern, believe me. However, I don't agree with the >1 year rule, as many good threads are started by newer members. And the problem with post count criteria is that it just encourages garbage posts to increase counts.
golf247
Addicted Member
posted: Aug. 2, 2005 @ 7:39p
It's scary how you knew what grade I was in....
workingonit
Senior Member
posted: Aug. 3, 2005 @ 2:50a
How about a thread for the least expensive ways to periodically get your credit score (ideally, whenever you want)?
workingonit
Senior Member
posted: Aug. 4, 2005 @ 2:18a
In another thread, slimcustomer said, "I'm always cautious of links that I can't find on my own... I know others on this forum are better at checking links to make sure they aren't being phished, but I always like to be able to locate the links myself and verify the deal with the company directly rather than rely on a direct link on an internet forum.
So, maybe a thread dealing with the best ways to check the validity of a link & protect oneself from phishing?
a GREAT thread! WOW! Leave it to DAVE to start it!
I'd LOVE to see one on getting GRADUATE school paid for! I'm having the hardest time getting my graduate school paid for. When I tell people I have a job and that I'm seeking scholarships for grad. school, they laugh. They don't get the FW mindset I rekon I'm GOING to find someone to PAY FOR ME, it's just a matter of finding them @ the right time and place. I guess a scholarship section w/ info on where to look and then an undergrad / grad division might help some...
Zer92780
Senior Member
posted: Aug. 4, 2005 @ 8:24p
Quick Summary is an "edit-by-all" format that might be more useful if it rides at the top instead of resting just above the initial post at the very bottom of as many pages as develop. I sometimes dive down to see what the OP's comments on beginning a thread were. If that were secured up top, near the title, we might all stay on thread a bit better than we do. Thread drift blights a lot of discussions. Of course, it is sometimes useful when new aspects are brought up. I'd also like to see more FINANCE discussed on the Finance forum, with the hot deals not so mingled with true financial discussion. Maybe a DireStraits forum could handle desperate pleas for help? So much on Finance forum is just NOT about finance, as I understand the word. But... well... I've barely skimmed FWF topics. Learned a lot here. I've benefited even as I was castigated for asking questions and for posting responses. So it goes. -Zer DaveHanson said: Many highly rated FW threads have grown out of user requests in the course of a seperate discussion. Some very recent examples are here and here .
At the same time, we get many questions over and over again, in various OT threads, where FW members are (justifiably) reluctant to answer them.
Anandtech has had an "I wanna" thread that would handle requests for hot deals, which avoided cluttering the forum up with numerous threads begging for a deal. In that same tradition, the purpose of this thread is to serve as a centralized location where FWF members, new and old, can request threads devoted to particular subjects. People who are looking for answers that they can't find good information on can ask their questions here. Likewise, folks who are looking for a suitable way to contribute back to the community can look for suitable projects here as well.
One nice way to handle this might be to have an "edited-by-all" post after this one keep a member-updated list of requested threads, along with posts by volunteers willing to tackle these projects. I'll start with a couple of projects, one of which I'll volunteer to do myself.
Please offer suggestions for refining this thread in order to increase its usefulness to all. TIA.
Some good suggestions, but no one is updating the quicksummary (1st post after the OP). Please do so, since that will make the thread much more useful!
Zer92780, I don't understand your post. Again, the QS doesn't stay at at the bottom.
Tanner, I'd love to get good info on the same subject. I'm beginning a private law school late in life, and currently only have a fellowship for around 2/3 of it. It's been hard locating good info on this as you say, though I do think one reason is that there are simply fewer resources available than undergrad, esp for professional schools.
Zer92780
Senior Member
posted: Aug. 5, 2005 @ 10:49a
QS is second post on page 1, which falls at the end of what is displayed on my screen. Newest post on last page is what is displayed at top on my browser (IE5). Is this an option/preference that I can change so that QS and OP's initial post are immediate accessible at top of each thread? -Zer DaveHanson said: Some good suggestions, but no one is updating the quicksummary (1st post after the OP). Please do so, since that will make the thread much more useful!
Zer92780, I don't understand your post. Again, the QS doesn't stay at at the bottom.
jayK
Senior Member - JayK
posted: Aug. 5, 2005 @ 10:57a
Zer92780 said: QS is second post on page 1, which falls at the end of what is displayed on my screen. Newest post on last page is what is displayed at top on my browser (IE5). Is this an option/preference that I can change so that QS and OP's initial post are immediate accessible at top of each thread? -Zer http://www.fatwallet.com/forums/customize.cfm
Would you like the messages sorted, by Oldest first or Newest first? You must have yours set to Newest first. The default is Oldest first, so you must have changed it at some point.
I also have mine set to Newest first, it makes it much easier to read new replies to threads. You just have to be aware that when you refer to "the post below", it's really "the post above" to everyone else.
Skipping 69 Messages...
ThursdaysChild
Missed.
posted: Jul. 21, 2006 @ 12:00p
DaveHanson said: SUCKISSTAPLES said: i dont think anyone has wanted it, but i plan to do a negam faqThat's a good idea, IMO. If you do go through with it, you might consider broadening it to "non-traditional" mortgages more generally ("reverse" mortgages, IO, etc.) Yes, please -- a reverse mortgage thread would be very useful!
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