Search found 638 matches

by Chris
Thu Jun 13, 2019 12:36 am
Forum: Money Questions
Topic: Republic Wireless 12 months for the price of 10 months
Replies: 1
Views: 277

Re: Republic Wireless 12 months for the price of 10 months

They're probably trying to better compete with Mint Mobile, which offers discounts for prepaying months ahead of time.
by Chris
Sun Jun 09, 2019 7:50 am
Forum: Money Questions
Topic: Your Kiva experiences
Replies: 2
Views: 682

Re: Your Kiva experiences

How are losses dealt with? 1099? The "non-business bad debt" write off on schedule D similar to P2P loans? Kiva also won't issue a 1099 for this. There's a chance you could deduct it, but I never have; my loss rate is 1.36% after making 1000+ loans. What about currency conversion losses? (What abou...
by Chris
Thu Jun 06, 2019 11:06 pm
Forum: Money Questions
Topic: List of Investment Opportunities
Replies: 3
Views: 621

Re: List of Investment Opportunities

Savings bonds (pretty different than treasuries, since there's no secondary market) Municipal bonds Mutual Funds Closed-end funds ETFs ETNs Commodities "Stocks" is also pretty broad, since it includes things that have different behaviors and tax characteristics: common stock, preferred stock, REITs...
by Chris
Thu Jun 06, 2019 2:35 pm
Forum: ERE Journals
Topic: Ella's Journal
Replies: 51
Views: 7188

Re: Ella's Journal

Do you go bare bones on insurance coverage? You know your situation the best, and you should do whatever makes you feel safe. I was just commenting because it's more than 2x what mine is. One of the benefits of having savings is that you can use it to reduce your insurance expense though a higher d...
by Chris
Wed Jun 05, 2019 10:22 pm
Forum: ERE Journals
Topic: Ella's Journal
Replies: 51
Views: 7188

Re: Ella's Journal

I'm not sure what your car's make/model/location are, but $100/mo for car insurance seems high to me. Does the car loan require a certain minimum level of coverage? Contrary to that, $100/mo on food seems low. That's around $3/day, so eating out just once can equal a whole week of food spending. It'...
by Chris
Mon May 27, 2019 10:09 pm
Forum: ERE Journals
Topic: Will's journal
Replies: 58
Views: 11497

Re: Will's journal

finding a supermarket which sells decent vegetables and fruit for a decent price was sometimes a hassle This is a problem particularly in national/state park areas that do not have permanent population center near by: the market basically needs to make all their profit in 4 months, and fresh produc...
by Chris
Mon May 13, 2019 11:21 am
Forum: Money Questions
Topic: Unemployment rate
Replies: 8
Views: 1370

Re: Unemployment rate

1. Yes, it really is low. 2. The unemployment rate might not be what you think it is. In the US, the Bureau of Labor Statistics publishes various employment statistics. All are valuable in different ways. Of course the party in power chooses the one that looks best and calls it "the unemployment rat...
by Chris
Thu May 09, 2019 2:21 pm
Forum: Housing Questions
Topic: Lease-Purchase Option
Replies: 5
Views: 1342

Re: Lease-Purchase Option

If some of your retirement savings are in a Roth IRA, you could potentially withdraw your contributions penalty-free to use toward the down payment. There is the obvious drawback of course.
by Chris
Fri Apr 19, 2019 9:04 am
Forum: Work & Education
Topic: Dealing with abuse at work
Replies: 60
Views: 7284

Re: Dealing with abuse at work

bridgebetween wrote:
Fri Apr 19, 2019 6:08 am
Its quite public in an open plan office, and I am starting to find it unfunny.
Does anyone else in the office find it funny?
by Chris
Fri Apr 12, 2019 2:54 am
Forum: Resources & Recommended Reading
Topic: What It's Like to Grow Up With More Money....Disney Article
Replies: 10
Views: 1127

Re: What It's Like to Grow Up With More Money....Disney Article

C40 wrote:
Thu Apr 11, 2019 12:08 pm
One that I can’t rmember the name of but you could google - made by the son of some JNJ founders family.
Born Rich maybe?
by Chris
Tue Apr 09, 2019 9:15 am
Forum: Money Questions
Topic: Long Term Car Storage
Replies: 20
Views: 2974

Re: Long Term Car Storage

I wonder if there's a business idea here. Kinda like a long-term Turo, for car owners who have an unused vehicle for 1-12 months who don't want the hassle of selling and don't want the cost of storage.
by Chris
Mon Apr 01, 2019 9:55 am
Forum: Money Questions
Topic: HVAC sales and hurricanes
Replies: 13
Views: 1856

Re: HVAC sales and hurricanes

I understand that hurricanes influence sales, but I'd expect a hurricane to generate more revenue rather than less on account of necessary(??) repairs whereas the reports seem to indicate otherwise as in more hurricanes, less revenue. I think that would depend on how much of the market for A/C is d...
by Chris
Wed Mar 20, 2019 12:32 pm
Forum: Money Questions
Topic: Investments Trade Log
Replies: 1476
Views: 252775

Re: Investments Trade Log

It's true that the ride sharing companies aren't yet profitable. But I think that the pricing is currently too low, thanks to the prolific amount of VC funds available, and the need to create a market of riders and drivers. As an occasional rider myself, I wouldn't have a problem paying 50% more tha...
by Chris
Fri Mar 08, 2019 4:55 pm
Forum: Transportation Questions
Topic: Folding Bikes / Trikes
Replies: 22
Views: 2697

Re: Folding Bikes / Trikes

I bought one (a Downtube 9FS) ten years ago, and still use it regularly. I chose that one since it was the cheapest ($300 at the time) aluminum-frame folder. I looked at Citizen, but the steel frames were pretty heavy. 20" wheels on that one. I wanted a folder primarily because I didn't want a bike ...
by Chris
Fri Mar 08, 2019 4:47 pm
Forum: Transportation Questions
Topic: Why The US Will Never Have High-Speed Rail
Replies: 12
Views: 1915

Re: Why The US Will Never Have High-Speed Rail

The Amtrak Corporate Profile has some detail about the infrastructure they own.

It's hard to beat rail for long distance freight (500 miles per gallon per ton). But for regional intermodal, the benefit diminishes vs. trucking. Amtrak definitely owns lines in the NEC, which includes NJ.
by Chris
Thu Mar 07, 2019 11:57 pm
Forum: Transportation Questions
Topic: Why The US Will Never Have High-Speed Rail
Replies: 12
Views: 1915

Re: Why The US Will Never Have High-Speed Rail

As far as intercity rail goes, Amtrak owns less than 800 miles of it (mostly in the northeast corridor). Compare that to the over 100k miles of track owned by the freight rail companies. The US is very effective at moving freight by rail. But that's partly due to freight trains getting priority over...
by Chris
Fri Mar 01, 2019 9:45 am
Forum: Money Questions
Topic: Pay No US Income Tax
Replies: 11
Views: 1550

Re: Pay No US Income Tax

Everyone pays SS and Medicare (aka payroll tax) taxes on W2 income, I believe starting at the first $1, no exceptions that I'm aware of. The only way I know is by using an HSA funded via direct payroll deduction. So if you dump all your earnings directly into an HSA, your first $3500 ($7000 for fam...
by Chris
Wed Feb 27, 2019 8:23 pm
Forum: ERE Journals
Topic: Crazylemon's Journal
Replies: 84
Views: 26151

Re: Crazylemon's Journal

So I suggested we comparison shop the Shiny posh shop with my method and if the difference is minor we can consider just going there. He agreed. The difference was 50% more expensive. So he was sold on my method and grudgingly accepted it was worth it It's good to have a partner who is persuaded by...
by Chris
Thu Feb 14, 2019 11:48 pm
Forum: Money Questions
Topic: Local politicians run off Amazon - Economics
Replies: 143
Views: 16604

Re: Local politicians run off Amazon - Economics

Mister Imperceptible wrote:
Thu Feb 14, 2019 11:18 pm
And I do not like that Amazon exploits the system by paying its employees so little that the employees are forced to apply for government benefits.
Are there current Amazon fulltimers who are on government benefits? $15 * 40 * 52 = $31200 , well above the US poverty level of $13k.
by Chris
Mon Feb 11, 2019 1:26 pm
Forum: ERE Journals
Topic: AE's Journal
Replies: 13
Views: 2030

Re: AE's Journal

I hear you on the tech conferences. But the whole industry really isn't like that. The closer you are to the hype curve, the worse it is. But for me, I've been a part of some really good teams. Interviewing is a method of exposing yourself to the possibilities in the industry. During the interview, ...