Search found 1438 matches

by Thegame14
Wed May 27, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Increase From Current Employer after getting MBA?
Replies: 10
Views: 1046

Re: Salary Increase From Current Employer after getting MBA?

I got my CPA while at employer and MBA while at another employer, they dont care and wont give you a raise, just because you got a new degree. The only way to get paid more for getting a degree is to go to a new company, unless you are a teacher....
by Thegame14
Tue May 26, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Business checking account
Replies: 8
Views: 345

Re: Business checking account

Background: I started an LLC early in 2019, as I was going to start my own business but wasn't sure if I was going to do accounting or advertising. I ended up doing Facebook advertising and have one recurring client paying me $500 a month and some leads here and there for new clients. Most of my cl...
by Thegame14
Tue May 26, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Business checking account
Replies: 8
Views: 345

Re: Business checking account

Your best bet is a local credit union My credit union has two $25 initial deposit, no minimum balance and no monthly fee business checking accounts No interest, 300 free deposits/checks then $0.25 per deposit/check Interest bearing, $0.08/deposit, $0.05/check That is probably true, but I was hoping...
by Thegame14
Tue May 26, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 32
Views: 1918

Re: which iPhone?

Iphone SE (2020) or wait for Iphone 12 with 5G
by Thegame14
Tue May 26, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Business checking account
Replies: 8
Views: 345

Business checking account

Background: I started an LLC early in 2019, as I was going to start my own business but wasn't sure if I was going to do accounting or advertising. I ended up doing Facebook advertising and have one recurring client paying me $500 a month and some leads here and there for new clients. Most of my cli...
by Thegame14
Tue May 26, 2020 12:39 am
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 32
Views: 1918

Re: which iPhone?

You should also take a look at iPhone SE. 64GB is $399, 128GB is $449, 256GB $549. iPhone 11 is quite a bit more expensive. 64GB is $699, 128GB is $749, 256GB is $849 iPhone 11 Pro is even more expensive and available in Pro and Pro Max (larger screen). The iPhone 11 pro models have the best camera...
by Thegame14
Sun May 24, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: what to do with pension from previous job
Replies: 13
Views: 1039

Re: what to do with pension from previous job

I assume since you are asking the question, neither of you are good at or want to manage your investments. Therefore I choose #4 leave it alone, let it grow safe and slowly and you will prob end up with a $300-400 per month safe retirement income from just this.
by Thegame14
Sun May 24, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 155
Views: 11319

Re: If Jeep has such poor reliability, how come they are everywhere?

there is a weird subculture around having one....
by Thegame14
Sat May 23, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12033

Re: Approaching 40, worried about financial future

"partner" is going to have to go back to work once kids are old enough, dont really see another way....
by Thegame14
Sat May 23, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 104
Views: 7184

Re: NJ property taxes too high. What are my alternative states?

Wife and I live in a colonial, 4BR, 2.5bath house in south Jersey. Property taxes are 8K yr. Want some downsizing but simply because of taxes. Our daughter, hubby and our 2 grandchildren (now teens) live within 4 miles- that's kind of a big anchor. We're very family oriented. Youngest daughter live...
by Thegame14
Sun May 17, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3982

Re: Dual citizen, USA passport expiring, how to travel internationally

sorry that is 100% NOT happening....he needs to wait and get a new passport, we arent going to see international travel in 2020....
by Thegame14
Sat May 16, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6059

Re: How to get disinfecting wipes..seriously

we buy when things are on sale and stock up, so we were decently prepared, but one trick we have found is that eveyrone is looking for "lysol" there is a windex disinfectant that I have gotten three times in the past two weeks, just to have extra.
by Thegame14
Thu May 07, 2020 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment while still working
Replies: 2
Views: 468

Unemployment while still working

I had my salary reduced from $100K to $60K due to COVID-19, then my company got PPP funding and said that for the next two months my salary will go up to $80K , but only for two months and then likely back down to $60K. Someone is telling me that I can file for unemployment and at least get the "Ext...
by Thegame14
Mon May 04, 2020 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4583

Re: 529: Your favorite low cost one?

NYsaves.org
by Thegame14
Mon May 04, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question
Replies: 84
Views: 6242

Re: Amazon Prime Membership Question

they used to extend your membership by a month for each time they didnt meet the shipping deadline... no idea if they do this now...
by Thegame14
Sat May 02, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3912

Re: Lawnmower recommendation

Lalamimi wrote:
Sat May 02, 2020 8:50 pm
Honda.
This mower was a honda, got it on sale for $220, wa regularly $280
by Thegame14
Sat May 02, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3912

Re: Lawnmower recommendation

How big is your yard? Flat or hilly? About how long does it normally take you? What kind of mower did you have? Are you generally pretty good at staying on top of it, or do you often deal with cutting back an overgrown jungle? How's the weather? Is it always raining so you're always cutting wet gra...
by Thegame14
Sat May 02, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3912

Lawnmower recommendation

I bought a new lawn mower two or three years ago, used it for one season, the following season I couldnt get it to start, probably left old gas or oil in in, but was busy with work and found a kid willing to do front and backyard for $40 a shot no contract. This year he wants to go on a every two we...
by Thegame14
Sat May 02, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

At least in our area of NJ we have multiple daycares open. In fact our hospital sent emails about 3 or 4 places including our current daycare that will be taking children of essential workers families. Daycare for april at least has been paid for by the state regardless of our income and i hope tha...
by Thegame14
Fri May 01, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

New Jersey day care providers have until Friday to certify they can and will serve only the children of workers deemed essential during the COVID-19 emergency or face closure, Gov. Phil Murphy said Wednesday. Day care centers that don't serve only essential workers must close by April 1 under the ex...
by Thegame14
Thu Apr 30, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

daycare is only exempt if the parents are essential workers, it cant just be any kid can go.... The list of essential workers is quite long if you look it up, only one parent needs to be on the list. Dr, Nurse, teacher, banker, insurance, cable , water , electric, insurance, firemen, law enforcer, ...
by Thegame14
Thu Apr 30, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

daycare is only exempt if the parents are essential workers, it cant just be any kid can go.... We had the option of putting out children in a daycare for essential workers since I am a physician working in a COVID ICU, but honestly it seemed irresponsible. I hope I’m doing a good job with my PPE, ...
by Thegame14
Thu Apr 30, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

daycare is only exempt if the parents are essential workers, it cant just be any kid can go.... The list of essential workers is quite long if you look it up, only one parent needs to be on the list. Dr, Nurse, teacher, banker, insurance, cable , water , electric, insurance, firemen, law enforcer, ...
by Thegame14
Thu Apr 30, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

daycare is only exempt if the parents are essential workers, it cant just be any kid can go.... The list of essential workers is quite long if you look it up, only one parent needs to be on the list. Dr, Nurse, teacher, banker, insurance, cable , water , electric, insurance, firemen, law enforcer, ...
by Thegame14
Wed Apr 29, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17350

Re: Quitting a job after two weeks: relocation expenses

start interviewing if you can, sounds like you will get let go and not have to pay the expenses back
by Thegame14
Wed Apr 29, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

daycare is only exempt if the parents are essential workers, it cant just be any kid can go....
by Thegame14
Wed Apr 29, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

ok, but child MUST wear a mask in a public building, and child and daycare employees MUST stay 6 feet apart at all times, hard to change a diaper from 6 feet away, so this is either a state that doesnt have a stay at home order, which I thought was every state now, or they are breaking the law....
by Thegame14
Wed Apr 29, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Critique this retirement plan, suggest alternatives
Replies: 7
Views: 447

Re: Critique this retirement plan, suggest alternatives

ID pay off the house before retiring...
by Thegame14
Wed Apr 29, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with extra money?
Replies: 20
Views: 1799

Re: What to do with extra money?

Id keep the cash if the auto is 0% interest, and wait for the job situation to get better.
by Thegame14
Wed Apr 29, 2020 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Before Law School
Replies: 4
Views: 399

Re: Personal Finance Before Law School

I'd try to max the ROTH every year with whatever earnings you have. Likely once you get a job and hopefully for most of your career, you will earn too much for a ROTH.
by Thegame14
Wed Apr 29, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7149

Re: How do you explain no COVID19 Stimulus Payment?

I would say no we didnt qualify for it.
by Thegame14
Wed Apr 29, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 139
Views: 10402

Re: Daycare closed

how can daycare be opened when you have to wear a mask in any public building and be 6 feet apart?
by Thegame14
Wed Apr 29, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Keepsake items for new baby?
Replies: 25
Views: 1223

Re: Keepsake items for new baby?

"professional" hospital pictures, baby blankets from hospital, hand and foot prints or plaster, the stickers for each month to take a picture with, picture of their hands in or next to your hands, baby book with all their milestones, first word, first step, first haircut
by Thegame14
Mon Apr 27, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle - delivery
Replies: 19
Views: 1724

Side Hustle - delivery

I have one side hustle but I was reading that going forward this virus is going to completely change our economy, which I agree with, and restaurants will be mostly pickup and delivery for a long time, and they will need ot hire something like 300K delivery people. Has anyone done delivery? Is it wo...
by Thegame14
Mon Apr 27, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6063

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

I hope so, we had two people quit in 2019 because they had kids and requested to work from home and boss is 100% against it, he is a major micro manager/control freak. Now we are all working from home so I hope he changes his mind. But, I doubt it. I had a recruiter call me about a job she said was ...
by Thegame14
Mon Apr 27, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for HELOC/home equity loan used to pay off a personal loan I used for home improvement
Replies: 10
Views: 381

Re: Tax deduction for HELOC/home equity loan used to pay off a personal loan I used for home improvement

I would think NOT deductible, the loan needs to be taken out to pay for the improvements, not the pay off a loan, no matter if that loan was for improvements.
by Thegame14
Mon Apr 27, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: iPhone for Grandparents
Replies: 25
Views: 1576

Re: iPhone for Grandparents

IPhone XE (2020) base model is $399 and is similar performance to the IPhone 11.
by Thegame14
Mon Apr 27, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5665

Re: Toyota vs. Kia Quality & Longevity

Why not the Mazda CX-9?
by Thegame14
Fri Apr 24, 2020 12:23 am
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 107
Views: 10233

Re: lawn care cost

lawn mowing is always a rip off, it takes them 15 minutes and they want $40 twie a month which means the grass is low and easy to cut....
by Thegame14
Fri Apr 24, 2020 12:20 am
Forum: Personal Consumer Issues
Topic: How does the accounting profession fare during recessions?
Replies: 25
Views: 2268

Re: How does the accounting profession fare during recessions?

being a CPA and with 20 years experience, I will give you this advice. I was told that being an accountant means you will always have a job. What they dont tell you is that you will always have a shitty job where you work too many hours for too little pay, but you will have a job....
by Thegame14
Wed Apr 15, 2020 12:40 am
Forum: Personal Consumer Issues
Topic: Where have you eaten out recently?
Replies: 21
Views: 1290

Re: Where have you eaten out recently?

I have been ordering take out every 2-3 days from local businesses that are NOT chains, I hope it helps...
by Thegame14
Tue Apr 14, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Offer Letter Terms in a Covid-19 Environment
Replies: 23
Views: 2140

Re: Offer Letter Terms in a Covid-19 Environment

I believe you are still subject to the costs the employer incurred when you joined. I recommend an open [and confidential] conversation with the HR rep at your employer. They should clarify what the policy is. If you are still employed, I don't see why Covid19 would change the terms of the '2yr ' a...
by Thegame14
Tue Apr 14, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Delay mortgage payments under CARES Act
Replies: 73
Views: 4768

Re: Delay mortgage payments under CARES Act

my company cut my pay 40% so I went on Bank of America website and applied for the forbearance, but it says that unless you make other arrangements all missed payments must be paid at the end of the 90 days. So I assume I can call and tell them to tack the three payments to the end of the loan, but ...
by Thegame14
Sun Apr 12, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Who else is working longer hours from home with frozen/reduced compensation?
Replies: 26
Views: 3125

Re: Who else is working longer hours from home with frozen/reduced compensation?

I was given a 40% paycut and they arent filling my senior accountant role so I am doing both jobs for 40% less pay..... good times...
by Thegame14
Sat Apr 11, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27188

Re: just got my $1200 stimulus payment

I filed my 2019 return a week ago, I hope they use that for my stimulus since we had a baby in 2019 so our 2018 return would give us $500 less than we should have.
by Thegame14
Wed Apr 08, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: 34 year old with young family, financial checkup
Replies: 14
Views: 1483

Re: 34 year old with young family, financial checkup

why are you saving for a car replacement fund, but paying interest on the car you have? Use that money to pay off the car loan you currently have, I am sure you are paying more interest than you are earning.
by Thegame14
Wed Apr 08, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1910
Views: 207485

Re: [What TV Show Have You Recently Watched?]

All American on Netflix
by Thegame14
Wed Apr 08, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 64
Views: 7087

Re: Outside of stocks, what else is a screaming good deal now?

not sure stocks are a good dela right now, all time his was Dow at low 26K, it is now 23.3K, so only down about 10%, but they are saying our economy was hurt by at least 25% and going to be tons of retail that goes out of business so lots more unemployment, stimulus helps but adds to the debt, so I ...