Mine is going toward a new mattress. Looking at a Sleep Number. Considering the regular mattresses I tried that were comfortable were around the same price as one of those, I'm seriously considering it.
A Nexus 10 (my Acer Iconia a500's Tegra 2, while still relevant with its 1.5GHz clock speed, it showing its age in its instruction sets and ROM) and the rest to paying debts.
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Quote:
Originally Posted by mplevy
Mine is going toward a new mattress. Looking at a Sleep Number. Considering the regular mattresses I tried that were comfortable were around the same price as one of those, I'm seriously considering it.
Get a Tempurpedic. My parents had a Sleep Number. It's just an air mattress. Seriously it's the same thing you can get at Wal-mart for like $40. I'm not even kidding. I bought a Tempurpedic a few months ago for $1400 and love it. Pricy for a Queen, but well worth it. I lay in that thing sometimes and let it vibrate my troubles away. It's awesome.
As for me, I'm going to figure out how I screwed up so much that I'm getting a refund and figure out how to adjust my with holding so it doesn't happen again.
A Nexus 10 (my Acer Iconia a500's Tegra 2, while still relevant with its 1.5GHz clock speed, it showing its age in its instruction sets and ROM) and the rest to paying debts.
I would wait on the N10. With Google I/O right around the corner, we're going to see new units releasing with better hardware (most likely).
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Get a Tempurpedic. My parents had a Sleep Number. It's just an air mattress. Seriously it's the same thing you can get at Wal-mart for like $40. I'm not even kidding. I bought a Tempurpedic a few months ago for $1400 and love it. Pricy for a Queen, but well worth it. I lay in that thing sometimes and let it vibrate my troubles away. It's awesome.
For the same price (or less), I'd rather have a little firmness adjustability. The $1300 one has a 1" pillow-top so it doesn't feel like an air mattress. My other consideration was to get the [link=http://www.hamptonhomecollection.com/productGroup.aspx?mattress]same mattress[/link] as they use at Hampton Inn hotels. I stayed in one and had some of the best nights of sleep there. Those are made by Serta, not sure what's different, it may not be the same mattress I had (that was 2 years ago), and they're in the same price range.
Mine will be going toward bills. Won't be enough left for anything fun as I didn't work much. Every little bit I get paid down I feel better and better so it's all good=)
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Is this some US clique thing, or should I know what this thread is about?
We get a refund if we 'overpay' our taxes for the year. Last year, I got a 3USD check from my state government. Thankfully, my Federal refund is larger.
I just got one for 0.03USD from my other bank... What?
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Originally Posted by mplevy
For the same price (or less), I'd rather have a little firmness adjustability. The $1300 one has a 1" pillow-top so it doesn't feel like an air mattress. My other consideration was to get the [link=http://www.hamptonhomecollection.com/productGroup.aspx?mattress]same mattress[/link] as they use at Hampton Inn hotels. I stayed in one and had some of the best nights of sleep there. Those are made by Serta, not sure what's different, it may not be the same mattress I had (that was 2 years ago), and they're in the same price range.
You get a Tempurpedic you won't need to adjust it. The thing is awesome. I could lay in it all day long, but when the house gets repo'd I'd probably be in trouble.
Mine is going toward a new mattress. Looking at a Sleep Number. Considering the regular mattresses I tried that were comfortable were around the same price as one of those, I'm seriously considering it.
I really like my Sleep Number. It's quite a bit different than a regular air mattress. I had a Tempurpedic and found it to be to hot for me.
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I just did mine. I found that I don't have 1099's from all my investing accounts because eTrade is apparently not putting them out until the very last day they have to legally post them. Ugh. I put in estimated numbers based on last year. I ended up owning $230 to the feds and getting $130 back from the feds so it's basically a wash for me. I'm cool w/that.
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I just did mine. I found that I don't have 1099's from all my investing accounts because eTrade is apparently not putting them out until the very last day they have to legally post them. Ugh. I put in estimated numbers based on last year. I ended up owning $230 to the feds and getting $130 back from the feds so it's basically a wash for me. I'm cool w/that.
I never understood what benefit a company gets from waiting until the very last day. It's not like they're cutting you a check and are trying to make every little bit of interest they can off that money. I worked for a company that would wait until Jan. 31 to mail W2's out, my current employer has them available electronically sometime in the first 2 weeks of January.
Especially in these days of electronic transactions, there's absolutely ZERO reason year-end financial documents can't be available on Jan. 2.
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Originally Posted by mplevy
I never understood what benefit a company gets from waiting until the very last day. It's not like they're cutting you a check and are trying to make every little bit of interest they can off that money. I worked for a company that would wait until Jan. 31 to mail W2's out, my current employer has them available electronically sometime in the first 2 weeks of January.
Especially in these days of electronic transactions, there's absolutely ZERO reason year-end financial documents can't be available on Jan. 2.
I agree with you. There is some logic in some sort of a delay. On Jan 1 you probably haven't been paid for all of the previous year. By the time mid-January rolls around though the previous fiscal year is closed. All paychecks have been cut and all interest has been posted. I have no clue why companies wait 'til the last minute. I'm with you. There really is no excuse. The end of January at the latest is when it should all be online.
Quote:
Originally Posted by mplevy
Thanks, "sleep temperature" is of concern to me. I often sleep with a fan blowing on me, even into early winter, and I have A/C in my place.
From my personal experience, I've never had an issue with this. You don't really sink into the mattress you lay on top of it. I've heard this complaint before, but I've never had a problem myself. YMMV.
I won't be getting a refund, like A.Nonymous it will be close to a wash or I will owe a tiny bit.
If I was getting a refund I'd be looking at a new lens for my camera, then decide I didn't really need it and put the money in savings. Or, maybe I'd get that lens...
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Mine is direct deposited into my Credit Union account. I like it, because I have no ATM card with them. If I want any cash I have to drive downtown and go inside to withdraw. I've done this for the past 5 years or so. It's my emergency fund.
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Well, I finally finished filing. I found that I forgot to deduct my mortgage interest which changed what I got back. I ended up getting a $300 refund which is more than I would've liked, but paying an extra $25 a month is nothing. It's not like an extra $12.50 in each paycheck is going to be earth changing at all. I'm cool with that. I took the money and bought a camera I've been eyeballing.
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i woud say a majority of it will be to pay of my student loans, but a small portion of it will be to buy a new computer. mine just took a dive. the charge port is shot and it will be expensive to fix. so i'm looking for a decent computer and will use my return to pay for it.
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Well, I finally finished filing. I found that I forgot to deduct my mortgage interest which changed what I got back. I ended up getting a $300 refund which is more than I would've liked, but paying an extra $25 a month is nothing. It's not like an extra $12.50 in each paycheck is going to be earth changing at all. I'm cool with that. I took the money and bought a camera I've been eyeballing.
What's so bad about getting a return? (besides the obvious, meaning you overpaid to begin with)
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Originally Posted by NYCHitman1
What's so bad about getting a return? (besides the obvious, meaning you overpaid to begin with)
Means you've given the feds an interest free loan for a year. Now, if you're a fan of the way the feds are spending your money and want to support it that way, that's your business. I am of the opposite opinion.
Also, a lot of people have a hard time making ends meet but still give the feds an extra $200-300 a pay check.
I once got letters from two (UK) tax offices: one saying I owed them $2000, the other saying they owed me $2000. For the same tax year. I put copies of both letters together and sent them back to each office. Never got a response ..
Re mattresses: we just got a John Lewis one with 5000 springs. Absolutely awesome, if a bit pricey at $1500. We were considering one of those memory foam mattresses but it turns out that wrapping bits of plastic around you can make you uncomfortably hot. Whodda thought ..
I owe a ton this year so I am waiting until the very last possible minute ...
(I cashed in on some stock to take advantage of the current Capital gains rate before it goes back up..and up.. and up.......)
I'm not complaining about it ....I'm fully aware of how lucky I am...actually most of us here are probably pretty darn lucky.....
as the saying goes..."There before the grace of god go I"
It's just......
I just HATE DOING TAXES!!!!!!! I hate numbers I hate math...
Don't get me started on quarterly estimates either......grrrrrrrrrrrrr
hmm maybe I shoulda posted this in the Rant thread
Last edited by huh; February 26th, 2013 at 09:07 AM.
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Means you've given the feds an interest free loan for a year. Now, if you're a fan of the way the feds are spending your money and want to support it that way, that's your business. I am of the opposite opinion.
Also, a lot of people have a hard time making ends meet but still give the feds an extra $200-300 a pay check.
I'd rather have given them a little extra each paycheck and get a refund than have to pay out the same amount in April. My refund is in the ballpark of $600, thats ~$20 per pay period and I don't think I can adjust my filing status or witholdings to take LESS (single, unmarried). I think most of the surplus comes from when I get quarterly bonuses and they take quite a bit more out of those than a normal paycheck, the refund then equals it out.
Last edited by mplevy; February 26th, 2013 at 09:35 AM.
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Going to ditch this god awful SoundBlaster sound card for a new Xonar Essence STX. That should finish off my PC upgrades (got a lot of it from x-mas). I may check out the winter clearance clothing sale at Macy's and buy myself a few nice things. I'll stash the rest.... still have quite a bit left in my savings from last year.
Oh, I almost forgot about these! I've been lusting after a specific pair of boots for almost 6 months. I may get those. Already tried them on... they are sooooo comfy!
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Quote:
Originally Posted by mplevy
I'd rather have given them a little extra each paycheck and get a refund than have to pay out the same amount in April. My refund is in the ballpark of $600, thats ~$20 per pay period and I don't think I can adjust my filing status or witholdings to take LESS (single, unmarried). I think most of the surplus comes from when I get quarterly bonuses and they take quite a bit more out of those than a normal paycheck, the refund then equals it out.
It's not an either/or proposition. It's not a case of either you pay $600 or they refund you $600. There's a happy middle ground where you pay $100 or they give you $100 or something that's far more palatable. I'm told the average refund for a family is ~$2200 which is just insane. That's about $185 a month people are paying extra. For most people I'm sure an extra $185 a month in their pay check (or an extra $140 in your case) would make a huge difference.
It's not an either/or proposition. It's not a case of either you pay $600 or they refund you $600. There's a happy middle ground where you pay $100 or they give you $100 or something that's far more palatable. I'm told the average refund for a family is ~$2200 which is just insane. That's about $185 a month people are paying extra. For most people I'm sure an extra $185 a month in their pay check (or an extra $140 in your case) would make a huge difference.
A majority of my return comes from education credits that I receive for paying for school out of pocket. Not really complaining about that. Every little bit helps.
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That return you get though is your money. If you're getting $1200 back for instance, that's $100 a month extra that you could put in your pocket. Or, if you wanted the $1200 at once, you could set up an auto withdrawal to pull out $100 a month into a savings account. At least then you'd be able to pocket the interest and come out ahead of what Uncle Sam gives you.
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Originally Posted by A.Nonymous
That return you get though is your money. If you're getting $1200 back for instance, that's $100 a month extra that you could put in your pocket. Or, if you wanted the $1200 at once, you could set up an auto withdrawal to pull out $100 a month into a savings account. At least then you'd be able to pocket the interest and come out ahead of what Uncle Sam gives you.
Thats all fine and dandy for the unmarried however for the married its not so easy. If we have a extra hundred to put into a savings account then my wife will find someway to spend it and tell me how she "saved" buying those shoes or that outfit and handbag. My wife like many others have a different savings plan then their husbands do. I put up a hundred in savings (not that i have a hundred to put in savings) she gets mad cause I'm hiding money from her. If I do tell her about it then she would find something we "need" to use it on. At least if the Government has it and gives it back every year we have a little money we can go on a trip with or do something else with. This year we decided to split it 50/50 Last year we went to New Orleans to visit my Mom. This year we are going to both get a new tatt and then use the rest for what ever we want. (me the nexus 7) She has a few bills she wants to pay off. I love my wife but she has no since of savings like I do. As far as interest goes for what little return you get the Government is going to tax you on that as well so you end up giving them more anyways.
It's not an either/or proposition. It's not a case of either you pay $600 or they refund you $600. There's a happy middle ground where you pay $100 or they give you $100 or something that's far more palatable. I'm told the average refund for a family is ~$2200 which is just insane. That's about $185 a month people are paying extra. For most people I'm sure an extra $185 a month in their pay check (or an extra $140 in your case) would make a huge difference.
Except I can't ask them to take LESS out of my check, I looked. If I needed them to take more so I wouldn't have to pay at the end of the year that would be no problem. As I said, most of my refund is likely due to quarterly bonuses, which toss me into a higher bracket for that check (separate from a normal paycheck) so they take more taxes, net on those is very often 50% of gross after taxes and 401k contributions. Nothing I can do about that.
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I'm getting a new gun and ammo (if I can find any). I just bought 2 new guns, and had to sell 2 of my others to pay for them. I'll be replacing one with the tax refund, and adding a laser sight to my wife's new one.
Also putting a down payment on a new SUV for my wife, and setting some cash aside for a rainy day.
We get a relatively large refund due to deductions from medical expenses for our daughter.
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Originally Posted by argedion
Thats all fine and dandy for the unmarried however for the married its not so easy. If we have a extra hundred to put into a savings account then my wife will find someway to spend it and tell me how she "saved" buying those shoes or that outfit and handbag. My wife like many others have a different savings plan then their husbands do. I put up a hundred in savings (not that i have a hundred to put in savings) she gets mad cause I'm hiding money from her. If I do tell her about it then she would find something we "need" to use it on. At least if the Government has it and gives it back every year we have a little money we can go on a trip with or do something else with. This year we decided to split it 50/50 Last year we went to New Orleans to visit my Mom. This year we are going to both get a new tatt and then use the rest for what ever we want. (me the nexus 7) She has a few bills she wants to pay off. I love my wife but she has no since of savings like I do. As far as interest goes for what little return you get the Government is going to tax you on that as well so you end up giving them more anyways.
No offense, but this is the main reason I will likely never get married. I've heard similar stories from both men and women about how they would save but their spouse won't let them and will just spend anything they try to save. The idea just drives me completely insane. I've also heard numerous stories about both men and women that involve one person trying to hide money from the other one which just seems crazy to me for spouses to do such things, but it seems to be fairly common. Kind of a rant. It's a topic that kind of hits home to me right now with my parents going through financial issues.
Quote:
Originally Posted by mplevy
Except I can't ask them to take LESS out of my check, I looked. If I needed them to take more so I wouldn't have to pay at the end of the year that would be no problem. As I said, most of my refund is likely due to quarterly bonuses, which toss me into a higher bracket for that check (separate from a normal paycheck) so they take more taxes, net on those is very often 50% of gross after taxes and 401k contributions. Nothing I can do about that.
Just out of curiosity, what are you claiming on your W-4? I'd have to check to be sure, but I think you can actually file exempt and they take nothing at all out ever. Of course this can leave you with a huge bill at the end of the day.
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Quote:
Originally Posted by A.Nonymous
It's not an either/or proposition. It's not a case of either you pay $600 or they refund you $600. There's a happy middle ground where you pay $100 or they give you $100 or something that's far more palatable. I'm told the average refund for a family is ~$2200 which is just insane. That's about $185 a month people are paying extra. For most people I'm sure an extra $185 a month in their pay check (or an extra $140 in your case) would make a huge difference.
It's not so cut and dry. I got a refund that was $2000 more than I paid in federal taxes. I can't ask them to add $77 to every paycheck I get since it is mostly child credits that I get a refund because of. I can claim exempt from taxes and not pay anything out of my checks however.
I try not to get much of a refund. I prefer to get my money in my paychecks by increasing my exemptions.
Even doing that I get back around $800, I just put it in the bank.
It's not so cut and dry. I got a refund that was $2000 more than I paid in federal taxes. I can't ask them to add $77 to every paycheck I get since it is mostly child credits that I get a refund because of. I can claim exempt from taxes and not pay anything out of my checks however.
This. Most people get those huge tax refunds because of the child tax credit, not because their withholding is too high. Not sure why we are paying people to have kids, but that's another story.
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Last edited by Gmash; February 27th, 2013 at 09:04 AM.
[QUOTE=A.Nonymous;5583090]No offense, but this is the main reason I will likely never get married. I've heard similar stories from both men and women about how they would save but their spouse won't let them and will just spend anything they try to save. The idea just drives me completely insane. I've also heard numerous stories about both men and women that involve one person trying to hide money from the other one which just seems crazy to me for spouses to do such things, but it seems to be fairly common. Kind of a rant. It's a topic that kind of hits home to me right now with my parents going through financial issues.
wait..huh? ...I don't think that's so common...or it shouldn't be...sounds ridiculous to me. Don't people think these things through?
..... before you marry someone you should know what your future spouse's goals ,life plan and expectations are and if they are compatible?? BEFORE you become partners for life? or do people just think with their pants? or not at all?
just seems odd that the most important decision you will likely ever make in your life...and it's not even discussed..
like most things in life..if you are realistic, informed ,prepared and have common goals and expectations you can create a partnership that has a fighting chance to withstand life's crazy ride! What would anyone expect otherwise?
I don't get it....
and of course there are always exceptions...anywho...just sayin.. it makes me sad to think you feel that way about marriage I guess...
hmmmm
but ...to each their own! carry on!
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What are your refund plans?
