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LSUCrawdaddy
Favorite team: | LSU |
Location: | |
Biography: | |
Interests: | |
Occupation: | |
Number of Posts: | 82 |
Registered on: | 7/30/2009 |
Online Status: |
Recent Posts
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Social Security
Posted by LSUCrawdaddy on 11/30/10 at 12:28 pm
Just received my paycheck today :dude:
Noticed that and additional $49.80 was withheld from my pay check for social security this pay period. My salary did not increase but I'm short about $50. Asked boss man wtf, he said maybe QuickBooks has a new social security withholding table. Did with holdi...
re: Small Business Health Insurance
Posted by LSUCrawdaddy on 11/10/10 at 5:34 pm
I found a high deductable policy ($5k). It covers me (31), wife (30) and our 6month old for about $300/month. We started a HSA for each employee enrolled and the deductable ($5k for family and $2500 for single) is incorporated into their yearly salary as a tax free bonus. Once the deductable is met,...
re: Question about my taxes...
Posted by LSUCrawdaddy on 11/4/10 at 10:26 am
Thanks everyone. I know the only reason behind this move is to save the company on payroll taxes for 2010; or at least that’s the assumption of the employer. And yes, there will be a bonus and it better be BIG as this was the best year we have ever had. Total sales wise and most importantly, profit....
re: Question about my taxes...
Posted by LSUCrawdaddy on 11/3/10 at 4:16 pm
The employer wants to pay everyone in advance. The goal is to pay everyone on 12/15 for all of December and January. This will make January’s paycheck as taxable income for the 2010 tax year but only making the taxable amount for 2011 based on 11 months of income instead of 12. That is of course unl...
re: Question about my taxes...
Posted by LSUCrawdaddy on 11/3/10 at 2:48 pm
Paid semi monthly (on the 15th and 30th), Louisiana...
re: Question about my taxes...
Posted by LSUCrawdaddy on 11/3/10 at 1:47 pm
I typed FICA while I was thinking about social security and I deal with social security numbers (SSN) all day long. I may have been typing faster than my brain could compute. The question remains what would the total deduction be after federal & state withholding, Medicare and social security?
$680...
re: Question about my taxes...
Posted by LSUCrawdaddy on 11/3/10 at 10:58 am
It may sound crazy but having the $50 per paycheck come out pre-tax acctually makes my paycheck a couple dollars more post-tax than if I didn't have the $50 taken out....
re: Question about my taxes...
Posted by LSUCrawdaddy on 11/3/10 at 10:46 am
SSN = Social Security
FICA = Federal Witholding
sorry about that, my head is spinning 1000 ways this morning...
Question about my taxes...
Posted by LSUCrawdaddy on 11/3/10 at 10:38 am
Have employer that would like to have the next paycheck cover that pay period as well as the next three. Those 4 paychecks add up to $7000. Out of that $7k, $200 is going into retirement (Before you ask why so little is going to retirement, I’m paying down debt). My question is, out of this $6800. H...
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/23/10 at 1:00 pm
I've only been in my home for a year and half no $$$$$'s down so HELOC was out of the question....
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/23/10 at 10:55 am
UPDATE: Was approved for my $10k signature loan today. No co-signer needed. Only thing is the bank wanted to write the check to Chase to make sure that card is paid off and then they will write me a check for the diff. :nana: This is a huge relief now after the CC's are paid off all I will have is...
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/11/10 at 2:09 pm
[quote]Have you thought about selling your truck, buying an old reliable pickup, and using the difference to pay some debt?[/quote]I have, but that makes me :wah: thinking about it. have to have internet as wife will be working from home. Have not had cable TV in over a year. I just cancelled our ce...
re: Give-away for Day Spa - Winner Announced
Posted by LSUCrawdaddy on 2/11/10 at 2:00 pm
do they have pre-natal massage?...
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/11/10 at 1:08 pm
I think most of the CC out there are variable rate's and at the end of the promotion period they go up to the service rate, usually around 12-13% APR now. I have one card that is 8.99% and has been for the past 3 or 4 years that I transferred higher APR CC balances too in order to pay them off quick...
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/11/10 at 9:00 am
I've been doing that with my Chase CC since '08 and have had them lower it to one so far. I call every other month and have even had the customer service people tell me "That sucks". My biggest mistake was counting for my end of year bonus (usually $4k-$6), which I've always used to pay off CC balan...
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/10/10 at 5:46 pm
1st home, VA loan no money down...soooo. I just hate the 20 and 30% Int of the fricking CC's :banghead:.
...
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/10/10 at 5:37 pm
I hadn't thopught about the tax breaks on the HELOC, but like I said we have lived in the home for a little over a year so how much equity could we have?...
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/10/10 at 5:34 pm
BTW: CC's have been destroyed. I had two bank cards and two gas cards, wife had 3 bank cards and a old navy....
re: Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/10/10 at 5:28 pm
[quote]What kind of interest rate are you seeing? I have been thinking of doing the same thing.[/quote]
I'm seeing sig loans at 8.99% at credit unions. I have a cc that we used to pay for $5k of our wedding back in '07, had a 0% rate. When gustav came we went to gulf shores for a week and missed ...
Line of credit or Signature Loan
Posted by LSUCrawdaddy on 2/10/10 at 4:27 pm
Looking into getting either a line of credit or signature loan.
Reason: To pay off credit card debt on cards that are now upwards of 20% one even pushes 29.9%. Wife and I have a little over $10k in credit card debt.
We own have a house note ($974/month) and two :banghead: car notes ($700/mo...
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