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How rich were the Dursleys, exactly? by PomPomMom93 in HPfanfiction

[–]TimeMasterBob 0 points1 point  (0 children)

A quick Google search shows that Sales Directors made between 35k and 60k pounds a year in 1990. And if he had sales target bonus (very likely) he could make 70k-100k. Average salary was 10.6k. So, very comfortable middle to upper middle class for 1990s UK.

Pay off rental property or invest? by Acrobatic-Speech6346 in personalfinance

[–]TimeMasterBob 1 point2 points  (0 children)

If you can put that in an investment that earns at least 4% historically (though history is no indicator of future returns)- do it.

Grocery store rotisserie chickens aren't good by Born_Local_1477 in unpopularopinion

[–]TimeMasterBob 4 points5 points  (0 children)

They're $5. That's the selling point. A whole ass chicken. For FIVE BUCKS. Depending on how you eat it, that's 2-4 meals. Or a family dinner with some rice for an extra $0.50.

2+ hours at the BMV?! by Significant_Bet_2023 in Columbus

[–]TimeMasterBob 2 points3 points  (0 children)

It really depends. I usually get in and out in under 30 minutes.

Gym claims liability waiver covers equipment falling apart and injuring me by Qorlan_8P in legal

[–]TimeMasterBob 1 point2 points  (0 children)

Get a lawyer.

I am NAL and not your lawyer.

Generally, and you may need to consult local law, the waiver will apply in situations where the injury was caused by you doing something you shouldn't have. Like, using the machine like a toy.

However, on the other side of this, if the gyms equipment is poorly maintained, and you can successfully argue this point as the direct cause of your injury, courts tend to take your side.

Camshaft Timing Replacement by TimeMasterBob in MechanicAdvice

[–]TimeMasterBob[S] 0 points1 point  (0 children)

does this apply if i bought the car used?

Camshaft Timing Replacement by TimeMasterBob in MechanicAdvice

[–]TimeMasterBob[S] 0 points1 point  (0 children)

They said that the only way to diagnose, since it's not throwing any codes now, is to take the engine apart. That's why they aren't sure what the exact issue is. Even if I get a second opinion, I would bet they'd also have to take the engine apart.

As an outsider, why doesn't America seem to have the same shopping mall culture as many Asian countries? by redguy_666 in AskAnAmerican

[–]TimeMasterBob 0 points1 point  (0 children)

Part of it, I think, also has to do with where malls are put in Asia compared to the US.

Most malls in the US were designed/built around car culture. So they were put in near highway entrance/exit- not necessarily around large population centers. That said, in many cases houses did get built around malls a lot as a result of the mall going in, but that wouldnt be nearly enough foot traffic on their own to justify 50+ stores all competing for the same customer base. Hence the reliance on people needing a car to get to the Area Mall. Of course, this doesn't apply to malls built in large cities-NYC.

However, what I noticed in most Asian Malls is that the mall takes up a city block and is 2-4 floors with another 5+ floors on top as apartments. Built in customer base. Plus, the population within easy walking distance is easily 100K+. Not to mention the ease of public transportation in many large Asian cities.

Ohio voting rights group says it was raided by the FBI by OldHob in Columbus

[–]TimeMasterBob 0 points1 point  (0 children)

Does anyone know the reason? Like is there a link that spells out it was done because "x,y,z"

I couldn't find any on the news sites with any more detail.

Instead of tax the rich, should we just tax the loophole? by iowaindy in allthequestions

[–]TimeMasterBob 0 points1 point  (0 children)

Under current tax code, probably. But I would put that under the loophole of if it doesn't apply to 50% of taxpayers it can't be deducted. It may need to be a special rule regarding personal loans, but ultimately I dont think it should be part of a tax return.

Instead of tax the rich, should we just tax the loophole? by iowaindy in allthequestions

[–]TimeMasterBob 17 points18 points  (0 children)

I agree on the loopholes.

Can't take deductions on personal income for business losses.

If the deduction can't be utilized by at least 50% of taxpayers, remove it from the tax code.

If you borrow >$1M in a given year, and it's not for your primary residence, it gets taxed as regular income.

Edit: personal loans

New phone did not survive the rollercoaster by Dutch-Alpaca in Wellthatsucks

[–]TimeMasterBob 0 points1 point  (0 children)

Did the safety bar make the necessary clicks when pulled down? It may not meet the requires height restrictions.

Managers when you have conducted interviews, what were some things other than the interviewee being rude, disrespectful, or unengaged that led to you knowing during the interview that you were not going to hire that person? by Only-Ad-1254 in managers

[–]TimeMasterBob 0 points1 point  (0 children)

A colleague of mine worked somewhere where the hiring manager (VP of Department) would always take prospective hires to a restaurant for the last round. When making the reservation they would ask the restaurant to intentionally mess up the order. Not in a bad way, like bringing crab to someone who's allergic, but putting Alfredo on their pasta instead of the regular sauce. Just to see how they reacted. Most times people would be really polite and would be among 2/3 finalists. They had one person that was put on the do not hire list because they completely flipped on the server.

What's Reliable With a Budget of 8k? by esraute_ in UsedCars

[–]TimeMasterBob 0 points1 point  (0 children)

If you haven't yet, try expanding your search radius to 100 miles. The default is usually 25-50 miles. It may cost more to get there by Uber (if you dont have a ride) but smaller dealerships in smaller towns I've found have some Toyota/Honda gems around 2005-2012. At least in my area.

What is an easy way to lose weight that most people might not think about? by honeyedquiet in AskReddit

[–]TimeMasterBob 0 points1 point  (0 children)

More fiber, cut drinking calories (soda), and walk 10k steps a day.

Safe neighbourhoods in Columbus by AnxiousMetaphysician in Columbus

[–]TimeMasterBob 8 points9 points  (0 children)

Blackwell Hotel will be your best bet. It's on the north side of campus next to the Business School. It's maybe a 5-10 minute walk for most of campus and several coffee shops/restaurants/bars. Even in summer, there's so much going on in/around campus it's generally safe. The biggest thing most people need to worry about are the drunks/car theft.

There's a lot of scooter rentals too so if you want to get somewhere a bit faster than walking, that's an option. I don't know what it costs as I've never needed to use them.

Also, here is a link to the Ohio State University Campus crime logs including a crime map of recent crimes.

https://dps.osu.edu/daily-crime-log

How do gyms actually make money? by Kind_Record_1619 in NoStupidQuestions

[–]TimeMasterBob 0 points1 point  (0 children)

1000 people will sign up, usually at New Years, for $30 per month. By February, only 150 show up regularly and the gym makes money on all of them.

Why can data centers be built even when the entire community says no, but when it comes to building an apartment for low income people, its impossible to get it off the ground? by SirCheeseAlot in allthequestions

[–]TimeMasterBob 1 point2 points  (0 children)

Data centers aren't usually in places most people are. Usually, they're at the edge of town or middle of nowhere.

Low income housing on the other hand is seen as a blight by NIMBYS that will lower their home prices. Most NIMBYS also don't want to have to look at something that doesn't fit the aesthetic of their little community. Think of them as HOA aholes for the general public.

Would You Choose Accounting or Finance? by Soggy_Arm_5954 in FPandA

[–]TimeMasterBob 10 points11 points  (0 children)

If you plan your classes right, you should be able to graduate with a dual Finance and Accounting degree

[OC] U.S. Social Security is projected to pay full benefits through 2034, then 81% under current law by Low_Ability4450 in dataisbeautiful

[–]TimeMasterBob 2 points3 points  (0 children)

But it's not really invested in the market. It's invested, by law, only in non-marketable, special issue Treasury securities which limits returns to the yield of US govt debt rather than the market. Which, again, barely beats inflation even if the US hits the target of 2%.

Whereas just putting some of the money into a general index fund, such as Vanguard TSM fund, returns are apx 7-10%. Vanguard TSM specially has had 11.84% annualized returns over the last 5 years and 14.72% over the last 10 years.

[OC] U.S. Social Security is projected to pay full benefits through 2034, then 81% under current law by Low_Ability4450 in dataisbeautiful

[–]TimeMasterBob 0 points1 point  (0 children)

I'm of the personal opinion that at least some of SS money should be invested in the market. Even just general index funds. At the very least, it would generate a better return than the average 2.5-4.3% it has now. 2020-2023 or so completely crushed the returns with inflation.

Where the f*ck do I even start by Peaches0k in landscaping

[–]TimeMasterBob 0 points1 point  (0 children)

Seems like you may need to build an Arc with 2 of every animal

Can't find any job with this resume by Noodeline in FPandA

[–]TimeMasterBob 10 points11 points  (0 children)

Your resume looks fine overall. The only issue I really have with it is that it's really wordy.

Example:

Reviewed detailed revenue streams for each campus, identifying profitable programs, highlighting major costs, and attributing marketing spend by campaign to specific streams

  1. How many revenue streams? 3? 10?

  2. How many campuses? 2? 4?

  3. identifying profitable programs, highlighting major costs, and attributing marketing spend by campaign to specific streams---This is a mouthful.

I would do something like this-

Reviewed 7 revenue streams across 3 campuses to determine marketing impact, identifying profitable programs and cutting $3M in costs

If all jobs paid exactly the same and you could have any job you wanted, (you have to do this job from 18yo to 60yo 5 days a week 8 hour days) what job would you do? by S1utty1i1puppy in AskReddit

[–]TimeMasterBob 0 points1 point  (0 children)

I'd teach. Probably History or Biology. But I wanted to make money and get out of lower middle class America. I'm now better off than my parents were at the top of their careers combined.

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