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Progressive Snapshot: Is it worth it?

I turned 25 last year, which in the highly mathematical and calculating eyes of the US insurance industry meant that I had suddenly matured into a much more responsible driver than I was at 24 years and 364 days of age. As a result, I expected my insurance rates to go down. Imagine my surprise when my insurance renewal notice from GEICO actually quoted a $50 increase in my insurance rates. To me, this was a clear signal that it was time to switch companies.Typically, I score really high on brand loyalty. I tend to stick with a brand for as long as possible, unless they really mess up. This qualified as a major mess up. As a result, I started shopping for insurance quotes.Two companies that quoted me significantly lower rates (30%–40% lower) were Progressive and Allstate. Both had an optional programme that could give me further discounts based on my consenting to the companies tracking my driving habits. Now, I am a careful driver – I hardly ever accelerate hard. I hate using the brak…

Cornell Graduate Students United: At What Cost?

On Monday and Tuesday, we graduate students at Cornell will be voting on whether or not we want to unionise. Actually, scratch that, only graduate students who hold a TA, RA, or GRA appointment can unionise.This is a shitty arrangement, and I will be voting against it.For those of you who are not aware of how graduate school works at Cornell, you could be on one of many appointments.FellowshipA graduate student on a fellowship gets a stipend and tuition paid without associated teaching or research opportunities. Graduate students on a fellowship typically work towards their own theses, but will be excluded from the unionGraduate research assistantshipsA GRA gives a graduate student stipend and tuition without teaching responsibilities. However, this money comes out of a specific project grant, and the students typically work on their own theses. Students on GRAs magically qualify to join the union, whereas there is virtually no difference between a GRA and a fellowship for the most pa…

Reading List, April 2017

Adam Carroll, When money isn’t real: The $10,000 experiment, in TEDxLondonBusinessSchool, 9 July 2015. [Online]: https://youtu.be/_VB39Jo8mAQAdam Carroll presents an interesting point – we have abstracted away money through the use of a number of instruments, such as credit and debit cards, NFC payment systems on our phones, and in-app purchases, when we don’t realise how much we are actually spending. Carroll spends some time showing how his kids, aged 7–11 played monopoly differently when they were playing with real money. He goes on to lay his premise, that financial literacy must be taught to children at a young age, when they should be allowed to fail and learn from their failures at a small scale, not at the hundreds of thousands of dollars when they are in student loan debt and just out of college.Carroll’s talk hit a lot of notes with my own experiences with money, and I’m sure that it would resonate with your experiences as well.Brett Scott, If plastic replaces cash, much tha…