Home Mail MemberMap Chat (0) Wallpapers
Go Back   ChiefsPlanet > The Lounge

Reply
 
Thread Tools Display Modes
Old 01-30-2013, 08:35 AM  
El Jefe El Jefe is offline
Don't tread on me.
 
El Jefe's Avatar
 
Join Date: Nov 2006
Location: Where the peaches grow
Casino cash: $7453
It's that time of year, TAX RETURN TIME!

For the past 2-3 years I have started a thread about what people were going to spend their tax return on. While greeted with some hostility, most people actually enjoyed the threads. I don't know how much I will get back, but I have some big plans for it!

I am going to try to pay a grand or so on my wifes car (We owe 3k). I am going to try and slide as much as I can at my wife's student loans (only owe 11k). Outside of those two debts, we don't have anything else luckily, because I pay out of pocket for school (ouch).

My next step depending on how much I get back would be to put at least another grand into our house fund. I live on James street, and I have designated our house fund as "Operation James Street Freedom". I would like to put some money into my IRA, currently it has none. Give my wife a little extra walking around money.

I think the last thing I would like to do is give some money to our Deacon fund at my church. This is a fund that is given by church members and distributed to the needs of the church and community if need be by the Deacon board. This fund has helped a lot of people in very bad spots, and it's my duty to help out my fellow man. Our church also houses the food pantry for our community, and we received emails saying the food pantry is direly low, they have served more families this month than ever before. So I would love to take a hundred or so and buy some food to donate.

What dreams do you guys have? I know most of the people here will probably pay down bills, but its fun to dream anyways.

inb4youareanidiotfornotinvestingit
Posts: 8,131
El Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby PiscitelliEl Jefe 's adopt a chief was Sabby Piscitelli
  Reply With Quote
Old 01-30-2013, 11:53 AM   #46
DaKCMan AP DaKCMan AP is offline
Beloved & Awesome CP Celebrity
 
DaKCMan AP's Avatar
 

Join Date: Aug 2000
Location: Florida
Casino cash: $8088
Quote:
Originally Posted by Rain Man View Post
I looked at my paycheck today, and it it's interesting. About 35 percent of my gross went to taxes and another 17 went to my IRA, so I got home with less than half my gross pay.
Damn... 35%?

After 401k contributions, taxes, medical, LTD & HSA contributions I only take home about 55% of my gross.... but 35% aren't to the government.
__________________
Posts: 33,777
DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 01-30-2013, 11:57 AM   #47
Buehler445 Buehler445 is offline
Supporter
 
Buehler445's Avatar
 

Join Date: Apr 2007
Location: Scott City KS
Casino cash: $17351
Quote:
Originally Posted by loochy View Post
oh you mean i should put 0 down on a new car and finance it for 5 years?
Heh. Coincidentially, I got pretty close to doing this. I ended up putting 2,000 down on a 3 year note and the car was used, but still. I had enough for about half the cost of the car, and the interest rate was so low that it was going to cost me like $200 to hold on to the rest of the cash.

I probably could have got away with nothing down, but they would have had to re-run the application, so I just put 2,000 down. But hell yes I will maintain the ability to access my money for $200 in interest.
Posts: 22,827
Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:00 PM   #48
Buehler445 Buehler445 is offline
Supporter
 
Buehler445's Avatar
 

Join Date: Apr 2007
Location: Scott City KS
Casino cash: $17351
Quote:
Originally Posted by DaKCMan AP View Post
Damn... 35%?

After 401k contributions, taxes, medical, LTD & HSA contributions I only take home about 55% of my gross.... but 35% aren't to the government.
You have long term disability?

I'm quite a ways removed from the insurance industry, but why LTD? And why not STD with it? If you don't mind me asking. I'm not criticizing, just curious on the logic.
Posts: 22,827
Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:02 PM   #49
DaKCMan AP DaKCMan AP is offline
Beloved & Awesome CP Celebrity
 
DaKCMan AP's Avatar
 

Join Date: Aug 2000
Location: Florida
Casino cash: $8088
Quote:
Originally Posted by Buehler445 View Post
You have long term disability?

I'm quite a ways removed from the insurance industry, but why LTD? And why not STD with it? If you don't mind me asking. I'm not criticizing, just curious on the logic.
The company provides STD to all employees. The LTD is an additional option.
__________________
Posts: 33,777
DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 01-30-2013, 12:06 PM   #50
Buehler445 Buehler445 is offline
Supporter
 
Buehler445's Avatar
 

Join Date: Apr 2007
Location: Scott City KS
Casino cash: $17351
Quote:
Originally Posted by DaKCMan AP View Post
The company provides STD to all employees. The LTD is an additional option.
Makes sense.

Perhaps I should be looking into that type of insurance since I'm much more likely to need it in my industry than the normal office job, but at this point, I can't justify the cost.

Are you thinking you are protecting yourself against the car wreck/cancer types of risks?
Posts: 22,827
Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:10 PM   #51
JASONSAUTO JASONSAUTO is offline
Thigpen for HOF
 

Join Date: Jun 2008
Location: mid missouri
Casino cash: $18540
Quote:
Originally Posted by loochy View Post
oh you mean i should put 0 down on a new car and finance it for 5 years?
i was thinking more like 7 years, and make sure you borrow some money to put some wheels on it too
Posts: 30,194
JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.JASONSAUTO is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:11 PM   #52
DaKCMan AP DaKCMan AP is offline
Beloved & Awesome CP Celebrity
 
DaKCMan AP's Avatar
 

Join Date: Aug 2000
Location: Florida
Casino cash: $8088
Quote:
Originally Posted by Buehler445 View Post
Makes sense.

Perhaps I should be looking into that type of insurance since I'm much more likely to need it in my industry than the normal office job, but at this point, I can't justify the cost.

Are you thinking you are protecting yourself against the car wreck/cancer types of risks?
Any type of long-term risk that would prevent me from working. I travel often, I live an active lifestyle, I sometimes work around large machinery and hazardous material. Anything can happen.

LTD @ 60% of my annual salary if I can't work anymore is worth the 0.4% of my gross salary that's deducted.
__________________
Posts: 33,777
DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 01-30-2013, 12:12 PM   #53
loochy loochy is offline
That's what she said.
 
loochy's Avatar
 

Join Date: Oct 2008
Location: TECKSIS
Casino cash: $11612
Quote:
Originally Posted by Buehler445 View Post
Heh. Coincidentially, I got pretty close to doing this. I ended up putting 2,000 down on a 3 year note and the car was used, but still. I had enough for about half the cost of the car, and the interest rate was so low that it was going to cost me like $200 to hold on to the rest of the cash.

I probably could have got away with nothing down, but they would have had to re-run the application, so I just put 2,000 down. But hell yes I will maintain the ability to access my money for $200 in interest.
Well yeah, if you can get a 0% interest deal or something close to that, do it.

You know what I meant.
__________________
Please note that any racist, sexist, or otherwise outrageous opinions expressed in this post have been made for comedic or trolling purposes only and are not the actual opinions of loochy or any affiliated entities. Reader discretion is advised.

Quote:
Originally Posted by big nasty kcnut View Post
yeah i may be a retard but I'll be the one banging your girlfriend when you're out with your friends.
Posts: 19,387
loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:13 PM   #54
loochy loochy is offline
That's what she said.
 
loochy's Avatar
 

Join Date: Oct 2008
Location: TECKSIS
Casino cash: $11612
Quote:
Originally Posted by JASONSAUTO View Post
i was thinking more like 7 years, and make sure you borrow some money to put some wheels on it too
__________________
Please note that any racist, sexist, or otherwise outrageous opinions expressed in this post have been made for comedic or trolling purposes only and are not the actual opinions of loochy or any affiliated entities. Reader discretion is advised.

Quote:
Originally Posted by big nasty kcnut View Post
yeah i may be a retard but I'll be the one banging your girlfriend when you're out with your friends.
Posts: 19,387
loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:20 PM   #55
Buehler445 Buehler445 is offline
Supporter
 
Buehler445's Avatar
 

Join Date: Apr 2007
Location: Scott City KS
Casino cash: $17351
Quote:
Originally Posted by loochy View Post
Well yeah, if you can get a 0% interest deal or something close to that, do it.

You know what I meant.
It was 2.0% money and not any special deal or anything. And it is probably a length of loan deal. My buddy looked into financing a car at 6 years instead of 3 and his rates were much higher. I don't remember how long he tied it up for but it wasn't 6.

I just thought it was funny that you were being sarcastic and I just did almost that.
Posts: 22,827
Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:20 PM   #56
Buehler445 Buehler445 is offline
Supporter
 
Buehler445's Avatar
 

Join Date: Apr 2007
Location: Scott City KS
Casino cash: $17351
Quote:
Originally Posted by loochy View Post
Posts: 22,827
Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:24 PM   #57
Buehler445 Buehler445 is offline
Supporter
 
Buehler445's Avatar
 

Join Date: Apr 2007
Location: Scott City KS
Casino cash: $17351
Quote:
Originally Posted by DaKCMan AP View Post
Any type of long-term risk that would prevent me from working. I travel often, I live an active lifestyle, I sometimes work around large machinery and hazardous material. Anything can happen.

LTD @ 60% of my annual salary if I can't work anymore is worth the 0.4% of my gross salary that's deducted.
I may have to look into that some. Although it is really difficult to calculate what you need over the long term with inflation. I've got probably 40 more years of work left and I have a hard time calculating insurance that far out.

Maybe I'll just keep bought up on life insurance and have my wife throw me into a driveshaft if I can't work anymore.
Posts: 22,827
Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:43 PM   #58
DaKCMan AP DaKCMan AP is offline
Beloved & Awesome CP Celebrity
 
DaKCMan AP's Avatar
 

Join Date: Aug 2000
Location: Florida
Casino cash: $8088
Quote:
Originally Posted by Buehler445 View Post
It was 2.0% money and not any special deal or anything. And it is probably a length of loan deal. My buddy looked into financing a car at 6 years instead of 3 and his rates were much higher. I don't remember how long he tied it up for but it wasn't 6.

I just thought it was funny that you were being sarcastic and I just did almost that.
Yeah - when I bought my car I put about half down and then financed 5yrs @ 4.24%. This was through the dealer and necessary to get something like $2500 in rebates. After a couple of months I went and refinanced 3yrs @ 1.99%.

Win.
__________________
Posts: 33,777
DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.
  Reply With Quote
Old 01-30-2013, 12:44 PM   #59
Buehler445 Buehler445 is offline
Supporter
 
Buehler445's Avatar
 

Join Date: Apr 2007
Location: Scott City KS
Casino cash: $17351
Quote:
Originally Posted by DaKCMan AP View Post
Yeah - when I bought my car I put about half down and then financed 5yrs @ 4.24%. This was through the dealer and necessary to get something like $2500 in rebates. After a couple of months I went and refinanced 3yrs @ 1.99%.

Win.
Nice.
Posts: 22,827
Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.
  Reply With Quote
Old 01-30-2013, 12:45 PM   #60
DaKCMan AP DaKCMan AP is offline
Beloved & Awesome CP Celebrity
 
DaKCMan AP's Avatar
 

Join Date: Aug 2000
Location: Florida
Casino cash: $8088
Quote:
Originally Posted by Buehler445 View Post
I may have to look into that some. Although it is really difficult to calculate what you need over the long term with inflation. I've got probably 40 more years of work left and I have a hard time calculating insurance that far out.

Maybe I'll just keep bought up on life insurance and have my wife throw me into a driveshaft if I can't work anymore.
The 60% is just what's offered through our company LTD option. I'm single with no dependents and, at least right now, 60% of my salary is more than my annual expenses. Once I have a family, dependents, etc. it will all change.
__________________
Posts: 33,777
DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.DaKCMan AP 's phone was tapped by Scott Pioli.
  Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump




All times are GMT -6. The time now is 07:32 AM.


This is a test for a client's site.
A new website that shows member-created construction site listings that need fill or have excess fill. Dirt Monkey @ https://DirtMonkey.net
Powered by vBulletin® Version 3.8.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.