They do the exact same thing you would do in another state- they dip it in the CC reader on the pump, select the grade of fuel, plug the nozzle into your car, and press the handle to make it pump.

When full, they pull out the pump, close the cover, and give you back your card and receipt.

Right back at you on most of the posts here! :) I always am relieved when you and DeluxeXL concur with my advice and I haven't completely butchered my understanding of taxes.

1099-NEC means he was self employed, and thus owes payroll taxes (i.e. social security & medicare) on his earnings. That's separate from income taxes, which he owes nothing.

File and pay the tax, otherwise the IRS will be sending a letter sometime in the next 12 months asking for their share, plus interest.

If he has no tax liability anyway, (e.g. he made less than the standard deduction of 12,950) then there's no requirement to file. However, if he had any federal income tax withheld from his paycheck, it makes sense to file to get that money back. However, instead of paying turbotax, use something free like freetaxusa.com

But you're saying that the tax screen showed he does owe taxes. Maybe a 1099, and he owes some FICA taxes?

Presumably more than one moving company can use the service elevator, no? It would be a bit of a dick move to refuse access of the service elevator to anyone else who wants to move on a particular day.

Yeah no that's a bunch of bullshit. A downpayment reduces the amount you have to take out in a loan.

No, it won't help - average age of accounts takes into account closed accounts for FICO scores. (Vantage score does not, but mortgage lenders use FICO)

https://www.experian.com/blogs/ask-experian/length-of-credit-history-affect-credit-scores/

This is totally allowed. Not only borrowing, but flat out taking/moving money from one category to another. A flat $200/month is not a really good budget for shopping like clothes - some months you may be under $100, but once in a while you may find a good deal or something that fits super well and you want to spend 5 times as much. As long as you're able to cover it from another category without dipping into debt, go for it.

There is a popular budgeting app called "YNAB", and they have a set of 4 guiding principles. This adjustment of categories is number 3 of the 4 rules: https://www.youneedabudget.com/the-four-rules/#rule-three

Under step 4(c), put in as high a number as you feel comfortable in your budget.

Calculate how much monthly/annual interest you would make in a high yield account and then compare that price to the convenience of instant transfers.

Not too fucked, especially since you have instant transfers. Usually, fees and totals and stuff get assessed at the end of the business day. If you have a positive balance by the end of the day, you should be golden.

It got ranked as the worst of the 20 largest airports in the US, just behind JFK. Reliability was the worst performing indicator by far.

You're flying on thanksgiving weekend. Usually I'd say 5 hours is a bit extra, even for newark, but all bets are off on thanksgiving or christmas periods. So maybe 5 hours isn't outlandish at all.

For future reference, if you're ever late again and don't have the patience to wait at the full service machines, there's a vending machine that sells pre-packaged metrocards for $10, no need to wait in line for that one.

Question - why put in a 'next month' category instead of immediately budget for "next month" when you get your paycheck? I use YNAB and sometimes budget up to two months in advance, e.g. with my paycheck that came in today I budgeted for December 1st's mortgage payment (among other things in Oct and November)

I love love love my japanese maple.

Hah! There's someone a few streets over from me who imports a huge palm tree from god knows where every spring, then it inevitably dies in the fall/winter, they tear it out, and the subsequent spring they haul a brand new one. Repeat, every... single... year. It's a bit extra.