Edmunds Members - Cars and Conversations (Archived)

[Deleted User] · March 2022

tjc78 said:
Funny how everyone has different tastes. Eggs are one of my favorite foods.

As a small child, according to my mom, I threw up once after eating eggs, have never eaten them since!

oldfarmer50 · March 2022

ab348 said:
For the first time since I retired I have a sum owing to Justin and the Feds this year. That is solely because of them. Up here when you turn 65 there are two federal pensions that kick in. One is the Canada Pension Plan, which you contribute to with a co-payment taken from every paycheck you earned while working. Most private or public pensions take that into account and reduce the amount they pay you after you turn 65 to offset that sum you will be receiving. It is slightly galling but is no secret, although a few benevolent public institutions do not do that, so their retirees can actually receive more in retirement when they did while employed.

The second federal payment is called Old Age Security, which everyone qualifies for once they hit 65. This one is somewhat odd in that it is not well-understood, is (I discovered) adjusted depending upon your income, and was actually not mentioned in the pre-retirement session I went to some years ago. I had to do some hunting for it on the federal website last year and learned that I had to apply for it, so I did that. I remember the response was that they had received my info but they could not tell me what I would be receiving and that I should wait for the first monthly deposit to appear in my bank account to see that. When it did, it was a few hundred dollars, not a significant amount. It was small enough that I assumed they were treating it the same as my CPP payments, where I had them withhold 30% from each month's payment for taxes.

Turns out that declaration only applied to CPP and not OAS, and you had to find another area on the fed website to get a deduction applied to it. Grrr. So now I will get a couple of hundred a month instead, but at least I won't have a tax bill next year.

Between my state pension, social security and my Enterprise gig I make more working 20 hours a week than I did working 60-70 hours doing two jobs. When I was young I could have used that extra money.

venture · March 2022

henryn said:
I’m repairing a section of the wood fence in my back yard. I did the left and right sides, and half of the back about 5 years ago. This one stretch was in pretty good shape, so I left it alone at that time. Now 2 of the posts have rotted and broken, so here we go. The price of lumber is a lot higher now. The cedar fence pickets are about 50% more, the pressure treated posts are twice as much, and the pressure treated 2x4’s are 3 times as expensive. I just spent $300 at Home Depot for materials to rebuild about 20 feet of fence.

I was at Lowes last evening. A 4x8 sheet of 3/4" T&G OSB is $101.

oldfarmer50 · March 2022

venture said:

henryn said:
I’m repairing a section of the wood fence in my back yard. I did the left and right sides, and half of the back about 5 years ago. This one stretch was in pretty good shape, so I left it alone at that time. Now 2 of the posts have rotted and broken, so here we go. The price of lumber is a lot higher now. The cedar fence pickets are about 50% more, the pressure treated posts are twice as much, and the pressure treated 2x4’s are 3 times as expensive. I just spent $300 at Home Depot for materials to rebuild about 20 feet of fence.
I was at Lowes last evening. A 4x8 sheet of 3/4" T&G OSB is $101.

Ouch! They must be gluing it together with gold.

imidazol97 · March 2022

I crave hard fried egg sandwiches the way some folk crave fried balogna sandwiches.

Just had a tornado warning surprise in our area. It's been almost 3 years this coming Memorial Day.

imidazol97 · March 2022

@driver100
How is Wordle going for you? I got maybe 1/2 of them or fewer. I've done
many in the wordle archives page. With no hints, I sometimes just blast on
through one putting in dumb words to see what the answer is quickly.
The more I see, the more hopeless some of those would have been for
me to solve.

explorerx4 · March 2022

A question for those receiving Social Security. Do you get a physical check?
It looks to me like you have to get a check before you can sign up for direct deposit.

kyfdx · March 2022

imidazol97 said:
@driver100
How is Wordle going for you? I got maybe 1/2 of them or fewer. I've done
many in the wordle archives page. With no hints, I sometimes just blast on
through one putting in dumb words to see what the answer is quickly.
The more I see, the more hopeless some of those would have been for
me to solve.

In 70+ attempts, I've only missed it twice.

You should Google strategies, because you are definitely doing it wrong..

cdnpinhead · March 2022

explorerx4 said:
A question for those receiving Social Security. Do you get a physical check?
It looks to me like you have to get a check before you can sign up for direct deposit.

Both mine & my wife's have been DD since day one.

explorerx4 · March 2022

@cdnpinhead,
How did you set up DD? I went to do in online and it wants a check#. I won't start getting payments until June.

28firefighter · March 2022

kyfdx said:

imidazol97 said:
@driver100
How is Wordle going for you? I got maybe 1/2 of them or fewer. I've done
many in the wordle archives page. With no hints, I sometimes just blast on
through one putting in dumb words to see what the answer is quickly.
The more I see, the more hopeless some of those would have been for
me to solve.
In 70+ attempts, I've only missed it twice.

You should Google strategies, because you are definitely doing it wrong..

+1. I've done it 70+ times with no misses;

stickguy · March 2022

explorerx4 said:
@cdnpinhead,
How did you set up DD? I went to do in online and it wants a check#. I won't start getting payments until June.

isn't it just setting up direct deposit, like on your tax return for refunds? Just have to put in your account and routing #s and should be good to go.

andres3 · March 2022

ab348 said:

tjc78 said:

@carnaught said:

How about ketchup on scrambled eggs? Yuck.

Guilty

I don't eat eggs of any sort because they are gross, so anything someone puts on them to make them palatable for them is forgiven.

In my small sample size of people I've known that didn't like eggs, it's all 100% mental, as they like eggs in hundreds of products (cake/cookies), just not eggs by themselves.

kyfdx · March 2022

explorerx4 said:
@cdnpinhead,
How did you set up DD? I went to do in online and it wants a check#. I won't start getting payments until June.

It might be asking for a check number from your checking account.

Routing number - XXXXXXXXX
Account number - XXXXXXXXXXXX
Check number - 1207 (or whichever one you pull out of your checkbook and void)

laurasdada · March 2022

My friends and I score Wordle like golf, Par being 4:
2=Eagle
3=Birdle
5=Bogle

I've played only 37 times, all on time and under budget, but my par is really 3. No Ace's.

explorerx4 · March 2022

The check # field shows a SS check.

ab348 · March 2022

dad23 said:

tjc78 said:
Funny how everyone has different tastes. Eggs are one of my favorite foods.

As a small child, according to my mom, I threw up once after eating eggs, have never eaten them since!

Exact same thing here! Remarkable. They make me nauseous.

ab348 · March 2022

When this guy stepped down a while ago you just knew there was something beyond what he said at the time. And now the other shoe has dropped. A corrupt auto union official? I'm shocked, SHOCKED, to find that. The only thing more shocking is that it was for such a relatively small sum.

https://www.cbc.ca/news/canada/toronto/unifor-update-jerry-dias-investigation-1.6394498

roadburner · March 2022

I definitely need to readjust my withholding; my Federal and KY refunds were ridiculous.

oldfarmer50 · March 2022

explorerx4 said:
A question for those receiving Social Security. Do you get a physical check?
It looks to me like you have to get a check before you can sign up for direct deposit.

I never got a physical check. They told me from the get go that I had to have direct deposit.

oldfarmer50 · March 2022

explorerx4 said:
@cdnpinhead,
How did you set up DD? I went to do in online and it wants a check#. I won't start getting payments until June.

As I recall I just gave social security the routing # for my checking account. Give social security a call, they can walk you through it.

roadburner · March 2022

So, today being Wednesday, it meant I had the afternoon probation revocation docket(I won’t let anyone else take it; I enjoy it too much).
Today I knew I had done an exceptional job; after the last case the bailiff walked over to my table and remarked, “How do you sleep at night?”

explorerx4 · March 2022

@oldfarmer50,
There is a number you can call to set it up but I really didn't want to go that route.

imidazol97 · March 2022

Sounds like I need to go to reeducation school for Wordle.

abacomike · March 2022

@explorerx4 said:
A question for those receiving Social Security. Do you get a physical check?
It looks to me like you have to get a check before you can sign up for direct deposit.

I don’t think I ever got a physical check, explorerx4. I went into my local Social Security office, signed up and gave them my routing number off a sample check and my account number. Been getting direct deposit all these years.

henryn · March 2022

abacomike said:

@explorerx4 said:

A question for those receiving Social Security. Do you get a physical check?

It looks to me like you have to get a check before you can sign up for direct deposit.

I don’t think I ever got a physical check, explorerx4. I went into my local Social Security office, signed up and gave them my routing number off a sample check and my account number. Been getting direct deposit all these years.

I didn't even go into an office, I did it all online. And just like you, I gave them a routing number and an account number, and that was that.

tjc78 · March 2022

So who here knows their routing and account numbers by heart? How about your CC#?

snakeweasel · March 2022

jmonroe1 said:

stickguy said:
I put mustard on everything. and love horseradish mustard.

Are you telling us you put mustard on hot dogs instead of ketchup?

jmonroe

Only troglodytes put ketchup on a hot dog.

driver100 · March 2022

imidazol97 said:
@driver100
How is Wordle going for you? I got maybe 1/2 of them or fewer. I've done
many in the wordle archives page. With no hints, I sometimes just blast on
through one putting in dumb words to see what the answer is quickly.
The more I see, the more hopeless some of those would have been for
me to solve.

Imid.....I would like to do at least a Wordle a day but my days are too full for some unknown reason. I play tennis or pickleball 6 days a week, and started table tennis on top of that, 2 or 3 times a week. I wasn't into sports until I hit 60 years old, and now I discovered it.
Mrs D100 does the new wordle and archives, she is really good at it.
I've only played about 6, have got them all, some 3, 4 5 times. There is some luck involved, depending how many letters show up the first time. I find the first word you use is risky, I think it is best to only use one vowel as those you can figure out. I'll try to play more soon.
MrsD100 went back home....I am staying in Florida until April 2nd.
Good luck with Wordle.

qbrozen · March 2022

@snakeweasel said:
Only troglodytes put ketchup on a hot dog.

I don’t think troglodytes had hot dogs.

abacomike · March 2022

Just an update on the ceramic coating I had put on my G90 earlier this month. The shine and finish on the car are awesome and when it rains, the water just beads up and drips to the ground. I just don’t have the car washed in a car wash place - I have a guy wash the car by hand using a mild soap and soft cloths once a week for the same cost as an exterior automatic car wash.

It actually looks better than the day I bought it. So far, it was definitely worth the cost. Car turns one year old next week and just hit 5000 miles on the odometer today.

snakeweasel · March 2022

28firefighter said:
What is a tax refund? Sigh.

It's the government giving you back your money after you give it an interest free loan.

snakeweasel · March 2022

jmonroe1 said:

tjc78 said:

@jmonroe1 said:

Are you telling us you put mustard on hot dogs instead of ketchup?

jmonroe

We all need to normalize ketchup on a hot dog. Not that I don’t like some spicy brown mustard but ketchup is the best.

Yeah yeah … I know it’s sacrilege especially in Pittsburg

I thought it was sacrilege world wide.

I remember seeing a food show on TV about a famous hot dog shop in Chicago (pretty sure the name of the place is Superior Hot Dog Shop) where they won’t put ketchup on a hot dog. If you want ketchup they give you a few packs but they refuse to ruin one of their hot dogs with ketchup.

jmonroe

That would be just about any hotdog place in Chicago. Some places won't even give you any ketchup if you ask for it.

snakeweasel · March 2022

tjc78 said:
So who here knows their routing and account numbers by heart? How about your CC#?

I do. Actually I know a lot of the major banks routing numbers by heart as part of my main phony baloney job is to manage the direct deposits for payroll.

imidazol97 · March 2022

snakeweasel said:

28firefighter said:
What is a tax refund? Sigh.

It's the government giving you back your money after you give it an interest free loan.

I had a large refund last year. Too large. All messed up by the dropping of the required RMD. And then
the 401K company messed up big time so a fed tax was withheld on little withdrawn from the account.

This year I set up fed tax withholding to take out more than I had owed the last year. But I just got around to running all my numbers. Looks like capital gains ran wild last year,
and I am going to owe a little extra. I'm entering all the stuff into TurboTax and will see if it says I have to pay a penalty or if I escape by one of the esclusions.

My first time for TurboTax. Son kept telling me I should use it. This year I have to use it just to see how it handles the foreign taxes and whether it does 1116. Son got free TT from Fidelity, but they still won't offer me that.

snakeweasel · March 2022

imidazol97 said:

snakeweasel said:

28firefighter said:
What is a tax refund? Sigh.

It's the government giving you back your money after you give it an interest free loan.

I had a large refund last year. Too large. All messed up by the dropping of the required RMD. And then
the 401K company messed up big time so a fed tax was withheld on little withdrawn from the account.

This year I set up fed tax withholding to take out more than I had owed the last year. But I just got around to running all my numbers. Looks like capital gains ran wild last year,
and I am going to owe a little extra. I'm entering all the stuff into TurboTax and will see if it says I have to pay a penalty or if I escape by one of the esclusions.

My first time for TurboTax. Son kept telling me I should use it. This year I have to use it just to see how it handles the foreign taxes and whether it does 1116. Son got free TT from Fidelity, but they still won't offer me that.

I hate form 1116, usually it's a little old blue haired lady with a very small investment portfolio where the 1099 DIV has $3 in dividends and lists foreign tax paid as 51 cents.

28firefighter · March 2022

@roadburner said:
So, today being Wednesday, it meant I had the afternoon probation revocation docket(I won’t let anyone else take it; I enjoy it too much).
Today I knew I had done an exceptional job; after the last case the bailiff walked over to my table and remarked, “How do you sleep at night?”

“Two ambien and a glass of scotch. Right out.”

ronsteve · March 2022

explorerx4 said:
The car knows if the key is inside or not. You can't start the car if the key is not physically inside it.
If you exit with the key on you and engine running it honks the horn a couple of times.
I think you can lock the key in the vehicle using the inside door lock button.

My RDX started with the fob sitting on the roof, but the doors were still open so that could have made it easier. Once the doors had been closed for a few seconds it gave an alert "KEY FOB NOT DETECTED" but continued to run. If I have the fob where it belongs in my pocket, and get out of the car with the engine running, I'll usually get a a rapid beep for maybe 1 second.

The outcome of the successful rooftop start was posted here, IIRC. Not an adventure I want to repeat!

ronsteve · March 2022

roadburner said:
I got over 10 years out of the OEM battery in the Club Sport. It was working fine but I replaced it as a precaution as BMW batteries of that vintage had a reputation for working fine and then suddenly going Tango Uniform with no warning.

I got 9 years and 147K miles out of the OEM battery in my V70. Figured that had something to do with being in the back, not exposed to all the heat under the hood.

OEM battery in the Jetta went just past 7 years, but considerably lower mileage. The RDX was already on a replacement battery when I bought it.

driver100 · March 2022

snakeweasel said:

jmonroe1 said:

tjc78 said:

@jmonroe1 said:

Are you telling us you put mustard on hot dogs instead of ketchup?

jmonroe

We all need to normalize ketchup on a hot dog. Not that I don’t like some spicy brown mustard but ketchup is the best.

Yeah yeah … I know it’s sacrilege especially in Pittsburg

I thought it was sacrilege world wide.

I remember seeing a food show on TV about a famous hot dog shop in Chicago (pretty sure the name of the place is Superior Hot Dog Shop) where they won’t put ketchup on a hot dog. If you want ketchup they give you a few packs but they refuse to ruin one of their hot dogs with ketchup.

jmonroe

That would be just about any hotdog place in Chicago. Some places won't even give you any ketchup if you ask for it.

Yeh for those hotdog places in Chicago for not allowing ketchup on a hotdog....that is a culinary faux pas.
The ketchup marketers wanted to sell more ketchup so they foisted this ridiculous concept on the American people......and some people are falling for it.

ab348 · March 2022

imidazol97 said:
Sounds like I need to go to reeducation school for Wordle.

Hopefully governments will put in place rehab programs for addicts of that accursed thing.

kyfdx · March 2022

imidazol97 said:

snakeweasel said:

28firefighter said:
What is a tax refund? Sigh.

It's the government giving you back your money after you give it an interest free loan.

I had a large refund last year. Too large. All messed up by the dropping of the required RMD. And then
the 401K company messed up big time so a fed tax was withheld on little withdrawn from the account.

This year I set up fed tax withholding to take out more than I had owed the last year. But I just got around to running all my numbers. Looks like capital gains ran wild last year,
and I am going to owe a little extra. I'm entering all the stuff into TurboTax and will see if it says I have to pay a penalty or if I escape by one of the esclusions.

My first time for TurboTax. Son kept telling me I should use it. This year I have to use it just to see how it handles the foreign taxes and whether it does 1116. Son got free TT from Fidelity, but they still won't offer me that.

If you can manage to get your taxable income under $81K, your capital gain and dividend tax rate is ZERO!

That's almost impossible if you are on SSA and taking RMDs, though. I'm in the sweet spot, right now.

driver100 · March 2022

ab348 said:

imidazol97 said:
Sounds like I need to go to reeducation school for Wordle.
Hopefully governments will put in place rehab programs for addicts of that accursed thing.

Wordle expands the mind...makes you think better, might even help prevent dementia or Alzheimer's. It is better than a lot of other addictions. And someone doing Wordle doesn't interfere with your quality of life.
I don't play games much, crosswords, cards, dominoes, mah jahn, bridge, euchre etc., but I don't care if people want to play them.
Now, back to discussing condiments on hotdogs......something people can relate to.

ab348 · March 2022

driver100 said:
And someone doing Wordle doesn't interfere with your quality of life.

People can play it all they want. What greatly diminishes quality of life are the hordes of players who feel compelled to post their daily results online and discuss them with others incessantly. That is what the rehab is for.

stickguy · March 2022

kyfdx said:

imidazol97 said:

snakeweasel said:

28firefighter said:
What is a tax refund? Sigh.

It's the government giving you back your money after you give it an interest free loan.

I had a large refund last year. Too large. All messed up by the dropping of the required RMD. And then
the 401K company messed up big time so a fed tax was withheld on little withdrawn from the account.

This year I set up fed tax withholding to take out more than I had owed the last year. But I just got around to running all my numbers. Looks like capital gains ran wild last year,
and I am going to owe a little extra. I'm entering all the stuff into TurboTax and will see if it says I have to pay a penalty or if I escape by one of the esclusions.

My first time for TurboTax. Son kept telling me I should use it. This year I have to use it just to see how it handles the foreign taxes and whether it does 1116. Son got free TT from Fidelity, but they still won't offer me that.
If you can manage to get your taxable income under $81K, your capital gain and dividend tax rate is ZERO!

That's almost impossible if you are on SSA and taking RMDs, though. I'm in the sweet spot, right now.

I’m trying to justify retiring at 62 to get a few years to load up on cheaper Roth conversions. Before SS and Medicare surcharge kick in. Unfortunately also need money to live on!

tjc78 · March 2022

@driver100 said:
Yeh for those hotdog places in Chicago for not allowing ketchup on a hotdog....that is a culinary faux pas.
The ketchup marketers wanted to sell more ketchup so they foisted this ridiculous concept on the American people......and some people are falling for it.

Falling for what? If you like ketchup and like hot dogs put it together.

People get so worked up over this stuff… if I want a hot dog and was in the mood for ketchup on it, I’ll find a place that will take my money and give me what I want.

ab348 · March 2022

This applies to both topics being discussed here today:

https://getyarn.io/yarn-clip/198582df-ae59-4c11-924f-0cbfb74ad3d8/embed?autoplay=false

explorerx4 · March 2022

Called Treasury Dept today and they told me I need to get my first physical SS check before I can sign up for direct deposit.

jmonroe1 · March 2022

@kyfdx said:
If you can manage to get your taxable income under $81K, your capital gain and dividend tax rate is ZERO!

That's almost impossible if you are on SSA and taking RMDs, though. I'm in the sweet spot, right now.

Cheating eliminates all of that stuff.

jmonroe

explorerx4 · March 2022

Cheating might be one way of getting your taxable income under 81k.

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