Go Back  Cobalt SS Network > Community > The Lounge
04-04-19 Forty 4 Thursday Workchat >

04-04-19 Forty 4 Thursday Workchat

The Lounge Off Topic PG-13. Introductions, cars, movies, work, relationships, etc.

04-04-19 Forty 4 Thursday Workchat

Old 04-04-2019, 01:32 PM
  #26  
Moderator
Platinum Member
Moderator
iTrader: (1)
 
Slowbalt2000's Avatar
 
Join Date: 05-15-11
Location: Livonia, MI
Posts: 24,583
Liked 312 Times in 287 Posts
Everybody is telling me I shouldnt have to pay if I claimed "0" on my W4.
Slowbalt2000 is offline  
Old 04-04-2019, 01:36 PM
  #27  
Senior Member
iTrader: (6)
 
Join Date: 07-19-10
Location: Denver, Colorado
Posts: 22,424
Liked 376 Times in 333 Posts
Originally Posted by colodude18 View Post
If you know you gotta pay like me, you wait till the last day
I usually try to target so I get just a bit back (<1000) I was off this year because I didn't adjust midway through. I'll get closer this year.
ECaulk is offline  
Old 04-04-2019, 01:39 PM
  #28  
Senior Member
iTrader: (1)
 
exninja's Avatar
 
Join Date: 02-20-09
Location: AZ
Posts: 4,613
Liked 177 Times in 157 Posts
Originally Posted by Slowbalt2000 View Post
Everybody is telling me I shouldnt have to pay if I claimed "0" on my W4.
true, but then you give the guberment a free loan
exninja is offline  
Old 04-04-2019, 01:51 PM
  #29  
Member
 
steelmesh's Avatar
 
Join Date: 09-23-16
Location: MI
Posts: 360
Liked 21 Times in 21 Posts
Originally Posted by Slowbalt2000 View Post
Everybody is telling me I shouldnt have to pay if I claimed "0" on my W4.
Your paychecks will be smaller and 'in return' you'll have over payed the IRS and get a large check. The recommended strategy is to be net zero, that way you're getting your money every paycheck instead of having it withheld. Some people don't mind and like this forced savings so they get a lump sum of money. If you keep more money every paycheck and owe the IRS more, you could try to pay yourself interest with that extra money then keep the interest for yourself, this requires highly adult responsibility:

Ultra low risk high yield savings account, pays 2.2% APY:
https://www.ally.com/bank/online-savings-account/

APY calculator:
https://www.axosbank.com/Tools/Calcu...APY-Calculator

If you start with a $0 deposit on January 1, 2019, "withhold" and keep the IRS's $200 per month and save it at the 2.2% APY, after 12 months compounded daily: you'll have $2426

Then you pay Uncle Sam $2400 in taxes you'll owe and keep the +$26 in interest. WIN! If you started with $1000 as general savings in that account, your interest would be +$48
steelmesh is online now  
Old 04-04-2019, 02:00 PM
  #30  
Moderator
Platinum Member
Moderator
iTrader: (1)
 
Slowbalt2000's Avatar
 
Join Date: 05-15-11
Location: Livonia, MI
Posts: 24,583
Liked 312 Times in 287 Posts
*Owen Wilson WOW*

A whole $26!!!!!!!!!!!
Slowbalt2000 is offline  
Old 04-04-2019, 02:03 PM
  #31  
Senior Member
iTrader: (6)
 
Join Date: 07-19-10
Location: Denver, Colorado
Posts: 22,424
Liked 376 Times in 333 Posts
Originally Posted by steelmesh View Post
Your paychecks will be smaller and 'in return' you'll have over payed the IRS and get a large check. The recommended strategy is to be net zero, that way you're getting your money every paycheck instead of having it withheld. Some people don't mind and like this forced savings so they get a lump sum of money. If you keep more money every paycheck and owe the IRS more, you could try to pay yourself interest with that extra money then keep the interest for yourself, this requires highly adult responsibility:

Ultra low risk high yield savings account, pays 2.2% APY:
https://www.ally.com/bank/online-savings-account/

APY calculator:
https://www.axosbank.com/Tools/Calcu...APY-Calculator

If you start with a $0 deposit on January 1, 2019, "withhold" and keep the IRS's $200 per month and save it at the 2.2% APY, after 12 months compounded daily: you'll have $2426

Then you pay Uncle Sam $2400 in taxes you'll owe and keep the +$26 in interest. WIN! If you started with $1000 as general savings in that account, your interest would be +$48
Be careful if the amount owed exceeds 10% of your tax liability you open yourself up to fines.
ECaulk is offline  
The following users liked this post: ECaulk
steelmesh (04-04-2019)
Old 04-04-2019, 02:06 PM
  #32  
Member
 
steelmesh's Avatar
 
Join Date: 09-23-16
Location: MI
Posts: 360
Liked 21 Times in 21 Posts
Originally Posted by ECaulk View Post
Be careful if the amount owed exceeds 10% of your tax liability you open yourself up to fines.
Yes you'd have to lie about your deductions to make this happen
steelmesh is online now  
Old 04-04-2019, 03:15 PM
  #33  
Senior Member
 
chris88z24's Avatar
 
Join Date: 06-03-07
Location: In the garage patching rust holes
Posts: 13,820
Likes: 0
Liked 25 Times in 23 Posts
Things that suck to do:

1. Remove factory 2003 Dodge Dakota exhaust without a lift.

It actually wasn't bad, but the pipe that connected to the downpipe was STUCK like noone's business. I ended up having to heat it with a torch and then PRY THE OUTER PIPE OFF OF THE INNER ONE. Those idiotic u-clamps literally fused the two pipes together.

Still amazed at how good of shape the truck is in, considering it is a 2003 driven in every winter up here. Oil coating ftw
chris88z24 is offline  
Old 04-04-2019, 03:33 PM
  #34  
Moderator
Platinum Member
Moderator
iTrader: (1)
 
Slowbalt2000's Avatar
 
Join Date: 05-15-11
Location: Livonia, MI
Posts: 24,583
Liked 312 Times in 287 Posts
I need to oil coat my car. You use fluid film or krown?
Slowbalt2000 is offline  
Old 04-04-2019, 03:40 PM
  #35  
Senior Member
 
chris88z24's Avatar
 
Join Date: 06-03-07
Location: In the garage patching rust holes
Posts: 13,820
Likes: 0
Liked 25 Times in 23 Posts
I just used spare oil I had lying around the garage. Might've even used manual trans fluid, I can't remember.

I'm going to use bar and chain oil in a few weeks. Sticks better and is better for rubber.

Prior owner applied used motor oil every fall. I honestly don't think it makes a difference.
chris88z24 is offline  
The following users liked this post: chris88z24
Slowbalt2000 (04-04-2019)
Old 04-04-2019, 04:24 PM
  #36  
Senior Member
iTrader: (6)
 
Join Date: 07-19-10
Location: Denver, Colorado
Posts: 22,424
Liked 376 Times in 333 Posts
Originally Posted by Slowbalt2000 View Post
I need to oil coat my car. You use fluid film or krown?
Go get it actually coated
ECaulk is offline  
Old 04-04-2019, 05:22 PM
  #37  
Moderator
Platinum Member
Moderator
iTrader: (1)
 
Slowbalt2000's Avatar
 
Join Date: 05-15-11
Location: Livonia, MI
Posts: 24,583
Liked 312 Times in 287 Posts
Fluid film and krown are actual coatings. Rubberized undercoat rots your car from the inside out because the moisture gets trapped under the coating. Oil is better if you actually care about your car.
Slowbalt2000 is offline  
Old 04-04-2019, 05:24 PM
  #38  
Senior Member
 
chris88z24's Avatar
 
Join Date: 06-03-07
Location: In the garage patching rust holes
Posts: 13,820
Likes: 0
Liked 25 Times in 23 Posts
Yup, rubberized undercoat ftl unless it's applied at the factory.
chris88z24 is offline  
Old 04-04-2019, 07:09 PM
  #39  
Member
 
steelmesh's Avatar
 
Join Date: 09-23-16
Location: MI
Posts: 360
Liked 21 Times in 21 Posts
Originally Posted by Slowbalt2000 View Post
I need to oil coat my car. You use fluid film or krown?
Kinda late to the game there winter is over hehe. I am now experimenting with Fluid Film and Amsoil MPHD. One thing about Fluid Film you need to be careful is that if you spray anything that is connected to the interior, you will need to endure the lanolin smell for several weeks.

On my Slostice I used the wand to spray the inside of the deck lid, inside box frames accessed in the engine bay, and inside the rockers (that's where my smell came from). I also sprayed the frame exterior in the engine bay and it attracted a lot of crap, it turned disgusting so keep that in mind for areas you want to look good (example here my car after more than a year). For the wheel wells and suspension and frame areas in the rear around the gas tank etc, I used the Amsoi MPHD, which doesn't smell as bad and goes on lighter, to sets like a wax almost you can tell by the spray can buildup. When I put the race engine in, I went over the rust spots with rust converter primer and then used duplicolor matched paint to finish it off.

With my Cruze, I went crazy and herculined the rockers and critical areas of the wheelhouse/fender lip. After that set, I sprayed the underbody, suspension and wheelhouses with fluid film. Check out a ton of pictures on this garbage forum: https://www.cruzetalk.com/forum/11-g...ing-cruze.html

Whenever I do heavy work and service, I respray whatever is exposed.

Last edited by steelmesh; 04-04-2019 at 07:15 PM.
steelmesh is online now  
Old 04-04-2019, 07:16 PM
  #40  
Member
 
steelmesh's Avatar
 
Join Date: 09-23-16
Location: MI
Posts: 360
Liked 21 Times in 21 Posts
Originally Posted by chris88z24 View Post
I just used spare oil I had lying around the garage. Might've even used manual trans fluid, I can't remember.

I'm going to use bar and chain oil in a few weeks. Sticks better and is better for rubber.

Prior owner applied used motor oil every fall. I honestly don't think it makes a difference.
Are you Canadian by chance?
steelmesh is online now  
Old 04-04-2019, 07:32 PM
  #41  
Moderator
Platinum Member
Moderator
iTrader: (1)
 
Slowbalt2000's Avatar
 
Join Date: 05-15-11
Location: Livonia, MI
Posts: 24,583
Liked 312 Times in 287 Posts
Originally Posted by steelmesh View Post
Kinda late to the game there winter is over hehe. I am now experimenting with Fluid Film and Amsoil MPHD. One thing about Fluid Film you need to be careful is that if you spray anything that is connected to the interior, you will need to endure the lanolin smell for several weeks.

On my Slostice I used the wand to spray the inside of the deck lid, inside box frames accessed in the engine bay, and inside the rockers (that's where my smell came from). I also sprayed the frame exterior in the engine bay and it attracted a lot of crap, it turned disgusting so keep that in mind for areas you want to look good (example here my car after more than a year). For the wheel wells and suspension and frame areas in the rear around the gas tank etc, I used the Amsoi MPHD, which doesn't smell as bad and goes on lighter, to sets like a wax almost you can tell by the spray can buildup. When I put the race engine in, I went over the rust spots with rust converter primer and then used duplicolor matched paint to finish it off.

With my Cruze, I went crazy and herculined the rockers and critical areas of the wheelhouse/fender lip. After that set, I sprayed the underbody, suspension and wheelhouses with fluid film. Check out a ton of pictures on this garbage forum: https://www.cruzetalk.com/forum/11-g...ing-cruze.html

Whenever I do heavy work and service, I respray whatever is exposed.
better now than never. Not gonna hurt anything doing it a little late. Itll stop whatever surface rust has already started.
Slowbalt2000 is offline  
Old 04-04-2019, 08:41 PM
  #42  
Senior Member
iTrader: (6)
 
Join Date: 07-19-10
Location: Denver, Colorado
Posts: 22,424
Liked 376 Times in 333 Posts
I was pretty impressed with the Amsoil MPHD, you can lay a pretty thick coat down and it will last while, had it in my engine bay for over a year (was lazy and didnt wash the engine bay a bunch) other spots under the car did pretty good.

The issue with the rubberized coatings is no one gets perfect sealed surface. An epoxy like POR15 will be better than any spray coating.
ECaulk is offline  
Old 04-05-2019, 12:16 AM
  #43  
Senior Member
 
chris88z24's Avatar
 
Join Date: 06-03-07
Location: In the garage patching rust holes
Posts: 13,820
Likes: 0
Liked 25 Times in 23 Posts
Supposedly the best time to oil spray is in the spring when the temps start to rise.

I do 2x a year when I swap tires.

Not Canadian, in NY.
chris88z24 is offline  
The following users liked this post: chris88z24
steelmesh (04-05-2019)
Old 04-05-2019, 07:39 AM
  #44  
Member
 
steelmesh's Avatar
 
Join Date: 09-23-16
Location: MI
Posts: 360
Liked 21 Times in 21 Posts
Originally Posted by chris88z24 View Post
Supposedly the best time to oil spray is in the spring when the temps start to rise.

I do 2x a year when I swap tires.

Not Canadian, in NY.
You're in a Canadian latitude with Great Lake Effects, so you're an honorary Canadian when it comes to rust in my book sir.
steelmesh is online now  
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
riceburner
The Lounge
135
04-17-2013 02:27 AM
cobalt123
The Lounge
604
05-14-2009 03:42 PM
Jmarie619
The Lounge
39
02-12-2009 07:02 PM
mcphatty
The Lounge
181
01-22-2009 06:19 PM
mcphatty
The Lounge
65
12-04-2008 04:41 PM


Thread Tools
Search this Thread
Quick Reply: 04-04-19 Forty 4 Thursday Workchat


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service

© 2019 MH Sub I, LLC dba Internet Brands

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.