Search found 1279 matches

by theplayer11
Wed Sep 16, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 756

Re: Invoice pricing on commercial truck?

Throwing this out there: IIRC I paid $47k for my 2014 Isuzu NPR-HD (gasoline engine). Bought it brand new with a 14’ dump bed, two underbody tool boxes, rear hitch/bumper assembly, and trailer brake controller. I think the cab portion was $35k at the time. At the time Ford quoted me 32k at the time...
by theplayer11
Wed Sep 16, 2020 6:58 am
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 756

Re: Invoice pricing on commercial truck?

denovo wrote: Wed Sep 16, 2020 12:24 am
theplayer11 wrote: Tue Sep 15, 2020 2:28 pm anyone know where I can find invoice pricing on Isuzu NPR trucks?
invoice doesn't matter
it helps..
by theplayer11
Tue Sep 15, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 756

Invoice pricing on commercial truck?

anyone know where I can find invoice pricing on Isuzu NPR trucks?
by theplayer11
Mon Sep 14, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Lawn mower recommendation
Replies: 91
Views: 6013

Re: Lawn mower recommendation

not enough info..how many acres?
by theplayer11
Thu Sep 10, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6454

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

A friend from high school randomly contacted me out of the blue now that he's "passionate about personal finance" and joined northwestern mutual. I am a true boglehead/Dave Ramsey follower (have been learning about indexing, term life, etc. for about 4 years now), so I knew not to buy anything from...
by theplayer11
Sat Aug 29, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Chase closed my accounts and banned me and I don’t know why
Replies: 48
Views: 7543

Re: Chase closed my accounts and banned me and I don’t know why

probably has to do with credit card point gathering..manufactured spending?
by theplayer11
Sat Aug 29, 2020 6:39 am
Forum: Personal Finance (Not Investing)
Topic: HSA Receipt
Replies: 20
Views: 1387

Re: HSA Receipt

I assume you will need proof of payment, bill is not enough
by theplayer11
Tue Aug 25, 2020 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Cancelling upcoming trip
Replies: 43
Views: 4981

Re: Cancelling upcoming trip

Due to my own foolishness, I booked a December vacation to Europe in January via Expedia. The airline has changed the flight substantially that Expedia said I am eligible for a refund. However the hotel has a no cancellation policy. Expedia said they will request a refund from the hotel. Of course,...
by theplayer11
Sat Aug 22, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: A few things that points blogs don't tell you about credit card points
Replies: 67
Views: 9122

Re: A few things that points blogs don't tell you about credit card points

I agree with a lot of your points here. You undoubtedly will receive quite a bit of backlash from the points defenders. Over the last few years, I've churned a lot of credit cards for bonuses and ran the numbers on all of them, and I've come to the conclusion that basically no one but the super-ric...
by theplayer11
Sat Aug 22, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: A few things that points blogs don't tell you about credit card points
Replies: 67
Views: 9122

Re: A few things that points blogs don't tell you about credit card points

I agree with a lot of your points here. You undoubtedly will receive quite a bit of backlash from the points defenders. Over the last few years, I've churned a lot of credit cards for bonuses and ran the numbers on all of them, and I've come to the conclusion that basically no one but the super-ric...
by theplayer11
Thu Aug 20, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9467

Re: how often do you check your net worth?

daily..I'm on the computer a lot, so why wouldn't I? I don't find it unhealthy, I like to be on top of everything.
by theplayer11
Thu Aug 20, 2020 6:17 am
Forum: Personal Finance (Not Investing)
Topic: A few things that points blogs don't tell you about credit card points
Replies: 67
Views: 9122

Re: A few things that points blogs don't tell you about credit card points

Bos-Mad on business class for 68k points round trip is hard to beat. There are 3 credit cards that earn Avios points that both my wife and I have been churning at 100K points a pop. Just 1 trip to Europe a year on business class makes it all worth it. Never thought I would actually look forward to g...
by theplayer11
Thu Aug 13, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: My kid scratched my neighbor's new car
Replies: 115
Views: 7256

Re: My kid scratched my neighbor's new car

Hello, Really would appreciate Boglehead feedback here. My 7 yr old kid was riding his bike and hit my neighbors car. The scratch seemed relatively minor but this is a brand new SUV (took delivery of it a day ago!). It looks like the estimate from the dealer's collision agent and it comes out to $2...
by theplayer11
Tue Aug 11, 2020 5:22 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

jjface wrote: Tue Aug 11, 2020 4:26 pm Such an open ended question what are you trying to achieve here. $200 or $25000 or something inbetween
There are a lot of financial rules of thumb. I guess I was trying to see if there is a rule of thumb for how much you should pay for a vehicle as it relates to your income.
by theplayer11
Tue Aug 11, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

How many people are going to delve into car research? And really, while there are some smarter choices than others, how much can online research tell you about which car is best for you? I don't know the OP, but I would argue that 20 minutes of online car research is probably going to tell you more...
by theplayer11
Tue Aug 11, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

How many people are going to delve into car research? And really, while there are some smarter choices than others, how much can online research tell you about which car is best for you? I don't know the OP, but I would argue that 20 minutes of online car research is probably going to tell you more...
by theplayer11
Tue Aug 11, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

How many people are going to delve into car research? And really, while there are some smarter choices than others, how much can online research tell you about which car is best for you? I don't know the OP, but I would argue that 20 minutes of online car research is probably going to tell you more...
by theplayer11
Tue Aug 11, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

How many people are going to delve into car research? And really, while there are some smarter choices than others, how much can online research tell you about which car is best for you? I don't know the OP, but I would argue that 20 minutes of online car research is probably going to tell you more...
by theplayer11
Tue Aug 11, 2020 6:37 am
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

wow, opinions are all over the place from new car is fine to she should wait 2 years. I was expecting more of a consensus to be honest. If the consensus was that she should be fine spending $22k+, would that change your opinion and recommendation to her? Maybe I missed it but did you address the qu...
by theplayer11
Tue Aug 11, 2020 6:34 am
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

Another vote for encouraging her to make her own decision. It's her money, she's an adult...real job, pays real taxes, will have real debt obligation. Just because she asks for your input doesn't mean you should give it, it means that it's welcomed, but not necessarily what's best for her. I don't ...
by theplayer11
Mon Aug 10, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

wow, opinions are all over the place from new car is fine to she should wait 2 years. I was expecting more of a consensus to be honest. If the consensus was that she should be fine spending $22k+, would that change your opinion and recommendation to her? Maybe I missed it but did you address the qu...
by theplayer11
Mon Aug 10, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

I value your opinion, but don't agree at all. She already mentioned maybe a Ford Escape..Heck no..that can't happen. She really doesn't know anything about cars. What's the worst that can happen buying a used Ford Escape? There's a giant difference between knowing what car one should buy and knowin...
by theplayer11
Mon Aug 10, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

wow, opinions are all over the place from new car is fine to she should wait 2 years. I was expecting more of a consensus to be honest.
by theplayer11
Mon Aug 10, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

Honestly. I'd stay out of it. Show her you trust her to do what's right for her. You already know she's frugal. Sounds like she already intends to go used. How much trouble can she get into? Buying a used 22k vehicle? Aside from the fact it is well, well within the suitable range for someone making...
by theplayer11
Mon Aug 10, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

"thoughts" - at this age it is really time for her to do what she wants and make the decisions. I knew I might get a response like this. My response is.,,my kids will never be too old for their father to offer his advice. They can take it or leave it.. While I appreciate that sentiment and wouldn't...
by theplayer11
Mon Aug 10, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

Is she paying for the car herself? She does not want the Xterra but wants something else that you are going to purchase for her? Or. she does not want the Xterra from you and is going to buy her own car all by herself? If none of the above, the gift her the Xterra to own and drive and pay expense o...
by theplayer11
Mon Aug 10, 2020 5:52 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

Honestly. I'd stay out of it. Show her you trust her to do what's right for her. You already know she's frugal. Sounds like she already intends to go used. How much trouble can she get into? Buying a used 22k vehicle? Aside from the fact it is well, well within the suitable range for someone making...
by theplayer11
Mon Aug 10, 2020 5:22 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

Nate79 wrote: Mon Aug 10, 2020 5:05 pm How much cash does she have above her emergency fund?

No more than that.
she won't be getting a car then..
by theplayer11
Mon Aug 10, 2020 5:20 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

smitcat wrote: Mon Aug 10, 2020 4:41 pm "thoughts" - at this age it is really time for her to do what she wants and make the decisions.
I knew I might get a response like this. My response is.,,my kids will never be too old for their father to offer his advice.
They can take it or leave it..
by theplayer11
Mon Aug 10, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

I think she will want and likely buy something for more than $15,000. I don't see anything wrong with a new grad making 80K/year buying a new, modern, safe,and reliable vehicle. Especially if she has little to no student debt. Sure, she could get by with a cheaper vehicle. I really don't see gettin...
by theplayer11
Mon Aug 10, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

What price range for Daughter's first car?

My D is 23, just started her career in the medical field a few months ago. She will be making around $80k. She is currently driving a 2009 SUV owned by me. It's time for her to get her own wheels and insurance(she agrees). She does not want the current SUV(Nissan Xterra), but would like a smaller SU...
by theplayer11
Mon Aug 10, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Do not call
Replies: 22
Views: 2739

Re: Do not call

Teague wrote: Mon Aug 10, 2020 11:13 am Have you tried Nomorobo? It's free.
www.nomorobo.com
+1..I rarely get unsolicited calls since I did nomorobo
by theplayer11
Mon Aug 10, 2020 6:30 am
Forum: Personal Finance (Not Investing)
Topic: 401k for 2nd home or stop contributing and save
Replies: 20
Views: 2165

Re: 401k for 2nd home or stop contributing and save

I'm in the same boat as you and have decided this year to defer less in our i401k's. We have little in taxable accounts and would like to build that up for a retirement home in 5 years.
by theplayer11
Sun Aug 09, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: deferred payroll tax implications?
Replies: 77
Views: 5507

Re: deferred payroll tax implications?

What employer in their right mind would stop withholding payroll taxes that they know will be due at the end of the year? If they do that, they’ll have withhold the entire last paycheck if the year, cough up the money themselves, or try to go after employees (and former employees) to collect. None ...
by theplayer11
Sun Aug 09, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: deferred payroll tax implications?
Replies: 77
Views: 5507

Re: deferred payroll tax implications?

What employer in their right mind would stop withholding payroll taxes that they know will be due at the end of the year? If they do that, they’ll have withhold the entire last paycheck if the year, cough up the money themselves, or try to go after employees (and former employees) to collect. None ...
by theplayer11
Sun Aug 09, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: deferred payroll tax implications?
Replies: 77
Views: 5507

Re: deferred payroll tax implications?

What employer in their right mind would stop withholding payroll taxes that they know will be due at the end of the year? If they do that, they’ll have withhold the entire last paycheck if the year, cough up the money themselves, or try to go after employees (and former employees) to collect. None ...
by theplayer11
Fri Aug 07, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 352
Views: 25321

Re: Optimizing PPP Forgiveness

article explaining higher tax bill for many small businesses because expenses are not deductible https://thehill.com/opinion/finance/508546-thanks-to-the-ppp-small-business-owners-could-face-a-huge-tax-bill-this-year I am sorry but I am having a hard time understanding why this is an issue. So, the...
by theplayer11
Thu Aug 06, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11410

Re: Does a couple really "need" an SUV?

99.99% of people never "need" an suv.... Even less have ever seen a dirt road. I think most people are buying a higher driving position. The 3 people that live on a mud/snow elevated locked road a mile from the highway might be able to use the "need" word. many people live off road and need somethi...
by theplayer11
Thu Aug 06, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on PPP for Sole Proprietorship...
Replies: 4
Views: 260

Re: Questions on PPP for Sole Proprietorship...

2.5 months of 2019 net profit sch C, capped at $20,833
2 years still
bank should let you know when they will start accepting applications for forgiveness
by theplayer11
Wed Aug 05, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 352
Views: 25321

Re: Optimizing PPP Forgiveness

New FAQ out from SBA: https://www.sba.gov/sites/default/files/2020-08/PPP%20Loan%20Forgiveness%20FAQs%208-4-20-508.pdf Question #8 deals with owner-employee compensation. Regarding S-Corp retirement benefits at first it says: In addition to the specific caps described below, the amount of loan forg...
by theplayer11
Tue Aug 04, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11410

Re: Does a couple really "need" an SUV?

Didn't read the long discussion, but I'll weigh in anyway. Most people don't need SUV's or trucks. I'm convinced that over-paying for vehicles is a major obstacle for most Americans to building wealth. SUV's and trucks (and yes, also sports cars) make the problem worse, due to their high up-front a...
by theplayer11
Tue Aug 04, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11410

Re: Does a couple really "need" an SUV?

99.99% of people never "need" an suv.... Even less have ever seen a dirt road. I think most people are buying a higher driving position. The 3 people that live on a mud/snow elevated locked road a mile from the highway might be able to use the "need" word. many people live off road and need somethi...
by theplayer11
Mon Aug 03, 2020 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp Simple 401(k) Advice?
Replies: 4
Views: 287

Re: S-Corp Simple 401(k) Advice?

you want an i401k. A simple IRA is not the same. The costs for an i401k are zero, go with Fidelity, Schwab, ect
by theplayer11
Sun Aug 02, 2020 6:39 am
Forum: Personal Finance (Not Investing)
Topic: can you sign upfor IRS account for S-corp
Replies: 3
Views: 282

Re: can you sign upfor IRS account for S-corp

EFTPS, can create account using business EIN #
by theplayer11
Fri Jul 31, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: cost of Mazda CX-5 Touring?
Replies: 69
Views: 4237

Re: cost of Mazda CX-5 Touring?

I think people worry too much about price. Just go to Truecar and pick a price ~ on the great/excellent line, offer that (they'll take it), and then call it a day (don't buy any extras). The real money on cars is saved by keeping them a very long time, not obsessing over how much you paid for it. K...
by theplayer11
Fri Jul 31, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card( chase) application denied
Replies: 24
Views: 2198

Re: Credit card( chase) application denied

this is why I put my kids as authorized users on a few of my cards at a fairly young age to establish their credit. Seemed to work as planned. Gave them a fairly high credit limit and length of use before they even applied for their own cards.
by theplayer11
Thu Jul 30, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 352
Views: 25321

Re: Optimizing PPP Forgiveness

article explaining higher tax bill for many small businesses because expenses are not deductible
https://thehill.com/opinion/finance/508 ... -this-year
by theplayer11
Thu Jul 30, 2020 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Form 941 Q1 Box Locked But Want to File for PPP Loan
Replies: 10
Views: 437

Re: Form 941 Q1 Box Locked But Want to File for PPP Loan

I own an S-corp and am the only employee. I am trying to file for a PPP loan. Application is asking me to upload Q1 941 to show I was in business in FY20 Q1. I did not file form 941 in Q1. Normally my accountant files zero until we do payroll Q4. New accountant did not file Q1. Now when I download ...
by theplayer11
Wed Jul 29, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Form 941 Q1 Box Locked But Want to File for PPP Loan
Replies: 10
Views: 437

Re: Form 941 Q1 Box Locked But Want to File for PPP Loan

you should not need to file f941 for a PPP loan. Businesses with no money due are not required to file as well as some agricultural entities.
by theplayer11
Tue Jul 28, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: At what amount ($) of income does going from Sole Prop to LLC Taxed as S Corp make sense?
Replies: 26
Views: 2213

Re: At what amount ($) of income does going from Sole Prop to LLC Taxed as S Corp make sense?

I would suggest it only for very high incomes and a correspondingly low reasonable wage. Depends on what your mean by high income. Many people have the misconception that S-Corps are more beneficial for higher income individuals, when those of modest incomes will benefit more until you have really ...