Edmunds Members - Cars and Conversations

cdnpinhead · April 3

Yeah? How about when Truman beat Dewey?

tjc78 · April 3

explorerx4 said:
When someone asks when I was born, I tell them When Eisenhower was running for re-election.
That usually puts an end to that topic.

So you'll be 70 this year?

explorerx4 · April 3

@tjc78,
Already happened in February.

stickguy · April 3

kyfdx said:
My pension started in 2016. It's fixed, no COLA.

mine started at 60. Same thing. Fixed forever. Good thing the basis was good and I almost maxed out the years. A nice income floor.

stickguy · April 3

vacation prep underway. The nightmare of getting everything together and packing started yesterday and is thankfully done. If we forgot something may not even figure it out.

and played rental car roulette this morning (we rent in Albany and will drop at Logan). Did OK at Hertz. An old man gray Altima. But it was brand new, only 519 miles on it. Active XM, and even as what seems base spec, it has BLIS. I assume it has car play but have not checked yet. Seats seemed comfortable. And on the 12 mile drive from the airport to the house, the trip computer says it did 44 MPG. That should make the drive out slightly more reasonable!

snakeweasel · April 3

cdnpinhead said:
Yeah? How about when Truman beat Dewey?

Just tell them you were born during the Johnson administration, Andrew Johnson.

roadburner · April 3

My pension is eligible for a COLA when the stars align a certain way in the state budget, but I'm pretty confident that if that happened another excuse would be found to deny one.

jmonroe1 · April 3

cdnpinhead said:
Yeah? How about when Truman beat Dewey?

——————————————————
Don’t tell me you were around then too!

jmonroe

cdnpinhead · April 3

jmonroe1 said:
Don’t tell me you were around then too! o:

Barely, but yes.

jmonroe1 · April 3

snakeweasel said:

cdnpinhead said:
Yeah? How about when Truman beat Dewey?
Just tell them you were born during the Johnson administration, Andrew Johnson.

——————————————————
For me, the problem with saying that is…folks would believe me.

jmonroe

corvette · April 3

sda said:
I know the firm I work for does not like to pay more than the midpoint of the pay range. If you can find another job with the same firm and assuming you like the firm, that’s positive. The risk of jumping firm to firm could jeopardize retirement savings if not vested, and the downside of beginning a new vesting period at the new firm. Other benefits should be considered as well.

That really irks me... Why have a range if few people are going to make more than the midpoint? My current job has no issues hiring people at the top of the range, if they're qualified.

I had been at my old job ten years and was fully vested in the 401k. PTO and other benefits were similar. The 401k at my new job had a six year vesting period (and it was worded in a super confusing way), but they did away with vesting in 2026 and everyone's employer match is fully earned, including on previous contributions. No pension at either job.

oldfarmer50 · April 3

corvette said:

sda said:
I know the firm I work for does not like to pay more than the midpoint of the pay range. If you can find another job with the same firm and assuming you like the firm, that’s positive. The risk of jumping firm to firm could jeopardize retirement savings if not vested, and the downside of beginning a new vesting period at the new firm. Other benefits should be considered as well.
That really irks me... Why have a range if few people are going to make more than the midpoint? My current job has no issues hiring people at the top of the range, if they're qualified.

I had been at my old job ten years and was fully vested in the 401k. PTO and other benefits were similar. The 401k at my new job had a six year vesting period (and it was worded in a super confusing way), but they did away with vesting in 2026 and everyone's employer match is fully earned, including on previous contributions. No pension at either job.

My 401k vested after 6 years but just as I vested they switched to 4 years. By the time I retire the amount won’t be life changing but it will make a nice down payment on something.

snakeweasel · April 3

corvette said:

sda said:
I know the firm I work for does not like to pay more than the midpoint of the pay range. If you can find another job with the same firm and assuming you like the firm, that’s positive. The risk of jumping firm to firm could jeopardize retirement savings if not vested, and the downside of beginning a new vesting period at the new firm. Other benefits should be considered as well.
That really irks me... Why have a range if few people are going to make more than the midpoint? My current job has no issues hiring people at the top of the range, if they're qualified.

I had been at my old job ten years and was fully vested in the 401k. PTO and other benefits were similar. The 401k at my new job had a six year vesting period (and it was worded in a super confusing way), but they did away with vesting in 2026 and everyone's employer match is fully earned, including on previous contributions. No pension at either job.

I will be 19 years in my position late this year and I am pushing the ceiling of my paygrades range. In three years I would hit that ceiling if I stay. But I won't.

kyfdx · April 3

oldfarmer50 said:

corvette said:

sda said:
I know the firm I work for does not like to pay more than the midpoint of the pay range. If you can find another job with the same firm and assuming you like the firm, that’s positive. The risk of jumping firm to firm could jeopardize retirement savings if not vested, and the downside of beginning a new vesting period at the new firm. Other benefits should be considered as well.
That really irks me... Why have a range if few people are going to make more than the midpoint? My current job has no issues hiring people at the top of the range, if they're qualified.

I had been at my old job ten years and was fully vested in the 401k. PTO and other benefits were similar. The 401k at my new job had a six year vesting period (and it was worded in a super confusing way), but they did away with vesting in 2026 and everyone's employer match is fully earned, including on previous contributions. No pension at either job.
My 401k vested after 6 years but just as I vested they switched to 4 years. By the time I retire the amount won’t be life changing but it will make a nice down payment on something.

If you’re still working there, you don’t have to do RMDs on the 401K, until you quit, right?

jmonroe1 · April 3

snakeweasel said:

corvette said:

sda said:
I know the firm I work for does not like to pay more than the midpoint of the pay range. If you can find another job with the same firm and assuming you like the firm, that’s positive. The risk of jumping firm to firm could jeopardize retirement savings if not vested, and the downside of beginning a new vesting period at the new firm. Other benefits should be considered as well.
That really irks me... Why have a range if few people are going to make more than the midpoint? My current job has no issues hiring people at the top of the range, if they're qualified.

I had been at my old job ten years and was fully vested in the 401k. PTO and other benefits were similar. The 401k at my new job had a six year vesting period (and it was worded in a super confusing way), but they did away with vesting in 2026 and everyone's employer match is fully earned, including on previous contributions. No pension at either job.
I will be 19 years in my position late this year and I am pushing the ceiling of my paygrades range. In three years I would hit that ceiling if I stay. But I won't.

——————————————————
Most folks like to go out on top.

jmonroe

explorerx4 · April 3

@kyfdx,
Currently you don't need to take RMD's until 73.

kyfdx · April 3

explorerx4 said:
@kyfdx,
Currently you don't need to take RMD's until 73.

I was thinking about @oldfarmer50

explorerx4 · April 3

@kyfdx,
It's age related. If you are working doesn't enter into it.
I'm collecting Social Security only, but I will still have to take RMD's in about 3 years.
That's a much bigger withdrawl than I want to or need to.

kyfdx · April 3

explorerx4 said:
@kyfdx,
It's age related. If you are working doesn't enter into it.
I'm collecting Social Security only, but I will still have to take RMD's in about 3 years.
That's a much bigger withdrawl than I want to or need to.

I’m thinking of that 401K that you are still working for that company, and is still working there, and still contributing for that same 401K.

kyfdx · April 3

AI

You generally do not have to take Required Minimum Distributions (RMDs) from your current employer's 401(k) plan if you are still working there after age 73. This "still-working exception" allows you to delay RMDs from your current 401(k) until you retire, provided you do not own more than 5% of the company.

explorerx4 · April 3

@kyfdx,
I found this explanation. Usual government overcomplication.
When RMDs Begin
For most 401(k) participants, the first RMD must be taken by April 1 of the year after you turn 73. For subsequent years, RMDs are due by December 31 each year. If you are still working past age 73, you may delay RMDs from your current employer’s plan unless you own more than 5% of the business sponsoring the plan. Traditional IRAs, SEP IRAs, and SIMPLE IRAs do not allow this delay; RMDs must begin at age 73 regardless of employment status.

kyfdx · April 3

explorerx4 said:
@kyfdx,
I found this explanation. Usual government overcomplication.
When RMDs Begin
For most 401(k) participants, the first RMD must be taken by April 1 of the year after you turn 73. For subsequent years, RMDs are due by December 31 each year. If you are still working past age 73, you may delay RMDs from your current employer’s plan unless you own more than 5% of the business sponsoring the plan. Traditional IRAs, SEP IRAs, and SIMPLE IRAs do not allow this delay; RMDs must begin at age 73 regardless of employment status.

Yup.. see my last post

stickguy · April 3

You still need to take them from your other sources.

jmonroe1 · April 3

The kicker that will get @oldfarmer50 is that 5% ownership thingy.

jmonroe

oldfarmer50 · April 3

kyfdx said:

oldfarmer50 said:

corvette said:

sda said:
I know the firm I work for does not like to pay more than the midpoint of the pay range. If you can find another job with the same firm and assuming you like the firm, that’s positive. The risk of jumping firm to firm could jeopardize retirement savings if not vested, and the downside of beginning a new vesting period at the new firm. Other benefits should be considered as well.
That really irks me... Why have a range if few people are going to make more than the midpoint? My current job has no issues hiring people at the top of the range, if they're qualified.

I had been at my old job ten years and was fully vested in the 401k. PTO and other benefits were similar. The 401k at my new job had a six year vesting period (and it was worded in a super confusing way), but they did away with vesting in 2026 and everyone's employer match is fully earned, including on previous contributions. No pension at either job.
My 401k vested after 6 years but just as I vested they switched to 4 years. By the time I retire the amount won’t be life changing but it will make a nice down payment on something.
If you’re still working there, you don’t have to do RMDs on the 401K, until you quit, right?

That’s my understanding.

oldfarmer50 · April 3

explorerx4 said:
@kyfdx,
Currently you don't need to take RMD's until 73.

I’m looking at that in the rear view mirror.😢

oldfarmer50 · April 3

jmonroe1 said:
The kicker that will get @oldfarmer50 is that 5% ownership thingy.

jmonroe

Unless my last name is Taylor I don’t have to worry about that.

jmonroe1 · April 3

oldfarmer50 said:

jmonroe1 said:
The kicker that will get @oldfarmer50 is that 5% ownership thingy.

jmonroe
Unless my last name is Taylor I don’t have to worry about that.

——————————————————
There are lots of ways you can hide your real name from the IRS. I hope you don’t think I’ve told them my name is @jmonroe.

jmonroe

snakeweasel · April 4

jmonroe1 said:

oldfarmer50 said:

jmonroe1 said:
The kicker that will get @oldfarmer50 is that 5% ownership thingy.

jmonroe
Unless my last name is Taylor I don’t have to worry about that.
——————————————————
There are lots of ways you can hide your real name from the IRS. I hope you don’t think I’ve told them my name is @jmonroe.

jmonroe

Well you can as long as you have a social security number that matches the name you use.

corvette · April 4

Interesting development with speed cameras in Colorado:
Colorado’s New Speed Camera System Makes Waze Nearly Useless

oldfarmer50 · April 4

Just wait until your car calls the cops on you.

tjc78 · April 4

Finally a nice day! Sitting on the patio at the shore with an Aperol Spritz while my Easter pies are baking.

Michaell · April 4

Nice picture. I'm spending the weekend in the hospital with a sick wife. Hoping to go home today (less likely) or tomorrow (more likely)

tjc78 · April 4

@Michaell said:
Nice picture. I'm spending the weekend in the hospital with a sick wife. Hoping to go home today (less likely) or tomorrow (more likely)

Oh no! Sorry to hear. Prayers for quick recovery!

snakeweasel · April 4

oldfarmer50 said:

Just wait until your car calls the cops on you.

Your car will never call the cops on you. It will just lock the doors and drive you to the police station.

snakeweasel · April 4

Michaell said:
Nice picture. I'm spending the weekend in the hospital with a sick wife. Hoping to go home today (less likely) or tomorrow (more likely)

Praying that all goes well.

jmonroe1 · April 4

@Michaell, sorry to hear that. All of us are hoping she is home soon and back to her old self.

Good luck.

jmonroe

jmonroe1 · April 4

corvette said:
Interesting development with speed cameras in Colorado:
Colorado’s New Speed Camera System Makes Waze Nearly Useless

——————————————————
For our poster buddies living in Colorado, this might be the best time to chum up to @oldfarmer50 or @Sandman6472 to see how they can get you the best long term car rental rates.

jmonroe

nyccarguy · April 4

@Michaell

Best wishes for a speedy recovery for your wife!

sda · April 4

@Michaell Sorry to learn. I hope she recovers quickly.

corvette · April 4

@Michaell - sorry to hear, as well. Hope you're both back home soon!

oldfarmer50 · April 4

jmonroe1 said:

corvette said:
Interesting development with speed cameras in Colorado:
Colorado’s New Speed Camera System Makes Waze Nearly Useless
——————————————————
For our poster buddies living in Colorado, this might be the best time to chum up to @oldfarmer50 or @Sandman6472 to see how they can get you the best long term car rental rates.

jmonroe

While my company does long term rentals and leases I find $220/week to be kind of unbelievable but I guess they do it in some markets for $210/week.

oldfarmer50 · April 4

Michaell said:
Nice picture. I'm spending the weekend in the hospital with a sick wife. Hoping to go home today (less likely) or tomorrow (more likely)

What a bad time to have health issues. Hope everything turns out ok.

explorerx4 · April 4

@michaell,
Best wishes to your wife and hope got discharged today.
Since she runs a cooking school, I'm sure hospital food isn't her favroite.

Michaell · April 4

explorerx4 said:
@michaell,
Best wishes to your wife and hope got discharged today.
Since she runs a cooking school, I'm sure hospital food isn't her favroite.

Thanks, everyone, for the good wishes. Waiting for another test, not sure if it will happen today or tomorrow (hint: don't get sick on the weekend, hospitals have minimal staffing).

The food has been OK - a bit bland, but she hasn't gone hungry.

She's just bored waiting for things to happen...

jmonroe1 · April 4

oldfarmer50 said:

jmonroe1 said:

corvette said:
Interesting development with speed cameras in Colorado:
Colorado’s New Speed Camera System Makes Waze Nearly Useless
——————————————————
For our poster buddies living in Colorado, this might be the best time to chum up to @oldfarmer50 or @Sandman6472 to see how they can get you the best long term car rental rates.

jmonroe
While my company does long term rentals and leases I find $220/week to be kind of unbelievable but I guess they do it in some markets for $210/week.

——————————————————-
Yeah, but when you factor in not getting any speeding tickets it could be the best deal a lead-foot can get. In fact, @Andres3333333 might even move to Colorado.

jmonroe

roadburner · April 4

@Michaell Prayers for a quick recovery.

cdnpinhead · April 4

Michaell said:
hint: don't get sick on the weekend . . .

Not just a weekend, but a long holiday weekend. Good luck.

driver100 · April 5

Our neighbor who has to be the healthiest woman in the world, very thin, walks the dog for miles every day, swims and goes to the gym, eats only healthy foods....was rushed to the hospital on Friday for several kidney stones. Anything can happen at any time. @Michaell hope it gets resolved quickly and easily.

driver100 · April 5

Has anyone actually used Slime to seal a puncture in a tire? Is it worth it to keep a can in the trunk....with an air pump? One friend said he once tried to use it and the stuff shot all over. Some reviews say the gunk they use gets all over your wheel etc and can be a mess to try and clean up. What is the alternative if you get a flat, and your car has no spare? And how will AAA help you, if you have no spare? Questions, questions,.......

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