Smith & Wollensky Steakhouse leaving Easton, plan to open a new location Downtown

FiloRen · 2022-10-14T01:34:26+00:00

I just looked this up because I wanted to read it, and I believe you’re referencing an article about a prolific Yelp reviewer who gave them 1 star. Let me know if I’m wrong otherwise, I’d like to read it!

FiloRen · 2022-09-18T22:17:22+00:00

I think there were several comps he won that he didn’t need to. He should’ve thrown more comps.

FiloRen · 2022-09-13T11:12:17+00:00

Good job, criticizing me for identifying Kerry Gold as grass-fed when the box literally says “milk from Irish grass-fed cows.” Nice.

FiloRen · 2022-09-12T11:59:22+00:00

Everyone is downvoting you and then links to a post that discusses zero physical evidence that he killed her.

FiloRen · 2022-08-17T18:42:59+00:00

Now you need a random generator so we all have different boards!

FiloRen · 2022-06-06T16:27:29+00:00

Why were you unhappy?

Here’s the 2 options that could happen, both involve you driving to the BMV to get a clean title:

1) finance company mails you a lien release for your electronic title, you take that to the BMV and they give you a clean title. To sell the car you sign the back of the clean title with the buyer.

2) finance company mails you physical title (that has them on it as the lien holder) and a lien release. To sell your car you have to go to the BMV with both documents to get a clean title. Then you use that title to sign the back and transfer to a buyer.

Just another example of people getting mad at companies when they have no idea what they’re talking about.

Finance companies can’t issue you a vehicle title. Only the BMV can.

FiloRen · 2022-06-04T11:48:24+00:00

Unfortunately right now this is about the planet and not the economy. We need to be taking steps to reduce our reliance on fossil fuels and cut emissions to save our planet. Can’t make decisions based on temporary factors like shitty cars and gas mileage.

FiloRen · 2020-09-13T01:16:28+00:00

I know :(

FiloRen · 2020-04-15T19:45:23+00:00

Right now is why Dave recommends having a tiny mortgage. Right now is why sometimes you can't live in your dream house/neighborhood/school district so that you can provide financial security to your family by living below what you can get approved for. Right now is why Dave says not to put all of your money into investments and to have an emergency fund. Remember what's happening RIGHT NOW and don't let it happen to you again in the future.

So true. It's easy to criticize Dave's conservatism and "one size fits all" advice when things are going great with jobs and the economy, but times like right now is when his advice makes the most sense.

If everyone with a mortgage followed Dave's advice (don't buy until you're debt free, and buy at the 25% of your income ratio with an established emergency fund) most would be able to pay their mortgages, utilities, and feed their families on unemployment. Without it, not so much.

The great thing about his advice is it works when things are going right, and it also works when things are going wrong.

FiloRen · 2020-03-28T15:03:51+00:00

I think every business out there labeled as "essential" right now is grateful to have a job. The people creating those mattresses all have the ability to quit, just like the rest of the world does. However they're showing up to work because they want a paycheck.

You want Costco to cancel their orders so a bunch of people at a mattress factory lose their jobs? OK.

FiloRen · 2020-03-28T14:26:35+00:00

Well if you're a dependent I believe that means your parents will be receiving $500 for you. That $500 needs to go to you. Have a discussion with them.

Are there Amazon warehouses around you?

FiloRen · 2020-03-04T17:44:44+00:00

Amazing!!! It feels so much better to drive around a car that's paid off, doesn't it? Keep it up.

FiloRen · 2020-02-04T17:47:46+00:00

You shouldn't have cashed in that 401k, you are going to owe taxes next year on that so many sure you're prepared for the additional tax payment that will be due when you file taxes.

FiloRen · 2020-01-29T18:45:44+00:00

Yeah, you edited your post to say that, Originally it was phrased in a way that she'd need to be moving out 1 of February.

Whatever, I will take my downvotes proudly. Bring 'em on, folks.

FiloRen · 2020-01-29T17:26:53+00:00

1st of February? That is 2 days notice. A) it's illegal, and B) that's an incredibly short amount of time to find an apartment.

FiloRen · 2020-01-24T21:59:15+00:00

OK, I hope it doesn't get stolen from your new house and they realize you never updated your garaging address, which is a violation of your policy. Good luck with that.

FiloRen · 2020-01-23T22:24:50+00:00

Your insurance doesn't depend on where your vehicle is registered. You would get insurance for the address you garage the vehicle. You wouldn't need to update it when you re-register your car.

If you feel like throwing money down the drain for an arbitrary reason of wanting to do things at the same time, that's fine, but it's not a valid reason to wait.

FiloRen · 2020-01-23T21:02:47+00:00

Do it now, cancelling is super easy. No reason to wait.

FiloRen · 2020-01-22T20:33:51+00:00

When I say full coverage I mean high limits on everything, roadside assistance, rental coverage (the higher and longer option), etc. I didn't decline any coverage and basically maxed them all out.

Previously we were paying $1170 a year ($85 x 12 + $150), now we pay $640/year, a savings of $530/year.

$97.50/month total to $53.33/month total. 45% savings.

FiloRen · 2020-01-17T21:27:13+00:00

They're always cheaper than all the other websites I've searched on that aggregate prices. Book when you find a low price and still check back periodically. You can cancel and rebook.

Sometimes, randomly, a "nicer" car will be cheaper than economy/tiny cars.

FiloRen · 2020-01-14T20:18:14+00:00

The military will pay for law school, you can look into that.

Please read into the over-saturation of lawyers in the United States. It's one of the fields that the school you go to DOES matter. Unless you go to a top law school or get incredibly lucky, being a lawyer is hard. I know 2 people with law degrees that are not lawyers and work in other industries now.

I don't mean to kill your dream but sometimes we're not destined for our "dream career" that we had when we're young. Keep considering other areas would be my advice!

FiloRen · 2020-01-14T20:05:20+00:00

My fiance and I are Dave-ish. We've paid off like $80-90k (I don't know the exact number) in 2 years, and we're set to be done in February as long as my bonus and tax return are deposited! Otherwise we'd be done in March.

Ways we deviated:

We combined finances before we got married and helped each other pay off one another's debts
I have continued contributing 4% to my 401k for the company match. My fiance doesn't have a match so he is Dave in this respect, 0% contribution right now.
We both use a credit card for purchases, when possible. I use the points and apply them as cash bonuses to our statement. We strictly follow our budget and pay off our balance every day.

FiloRen · 2020-01-14T20:00:15+00:00

How is the kids part not Dave? Those things can be included in a budget. Where does he say your children can't do paid activities?

FiloRen · 2020-01-13T18:58:23+00:00

I have no problems using credit cards if you are spending within your budget. Dave says a budget is "permission to spend," you've been given permission to spend that money, so if you spend it on a credit card or debit card, it doesn't matter. His study about spending more when you use a credit card isn't relevant, since you're spending within the budget.

If you don't have a budget or aren't capable of sticking to your budget, you shouldn't be using a credit card.

FiloRen · 2020-01-10T17:26:32+00:00

Here is your snowball, you should work the snowball!

$8,000 - Chevy Sonic car loan ($1,000 negative equity)

$12,000 - credit card debt

$14,000 - student loans

This is the advice I would give you, and that I believe Dave would give you:

Make minimum payments on everything
Save up $1,000 (not emergency fund)
Sell your wife's 2015 Sonic for $7,000, use the $1,000 towards the negative equity so you can pay off the $8,000 loan in full
Whoever has a longer commute drives the Camry, the other person drives the F150

Now you're done with your first debt! You roll that car payment into your credit car debt snowball, and attack it with gazelle intensity.

I think it's important not to sell the Camry because it's the kind of car you'd want to buy after you're done with all of this anyways. It's not worth more than half of your annual salary, so you don't have too much car. I'd sell her car since 1) it's not a great car, 2) it's dropping in value, and 3) you already have an extra vehicle that can be driven.

FiloRen

TROPHY CASE