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Messages - terrificreport

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1
On The Road / Re: Israel: Need help finding a rental car? Post here!
« on: December 03, 2017, 10:09:26 AM »
Pickup location: TLV Airport
Pickup date & time: 19 MARCH 2018 3 PM
Drop Off location: TLV airport
Drop Off Date & Time: 10 APR 2018 3 AM
Preferred Car Size: (Hyundai i800 - seats 9 or more)
Age (if under 25): 25+
Credit Cards: CSR

2
Another 5 tickets, different departure, and currently reserved at $810

Round Trip
Non-stop/Maximum stops/Any: Max 1
From: YUL
To: TLV
Departure dates: Apr 4, 2017
Return dates: Apr 23, 2017
Class: Any (cheapest)
Seats: 5
Alliance/Airline: Any

I havent found any mileage that make sense.

3
Round Trip
Non-stop/Maximum stops/Any: Max 1
From: YUL
To: TLV
Departure dates: Apr 2, 2017
Return dates: Apr 23, 2017
Class: Any (cheapest)
Seats: 3
Alliance/Airline: Any

I havent found any mileage that make sense, but I will also post in the mileage thread. Currently booked at 696 which seems to be  a good price

4
General Discussion / Re: The Pros And Cons Of Where You Live
« on: November 24, 2016, 08:39:08 PM »
montreal tuition is considerably lower than other out of town areas since the provincial govt subsidizes

quebec has socialized medicine.

that covers 2 expenses out of the 3 big ones (mortgage, tuition, health insurance)


5
General Discussion / Re: All Halocha Shailos and teiffa Questions
« on: March 04, 2016, 10:02:33 AM »
I beg to differ. If you give a bag of pennies it'll cost them money to sort. Why is that different?

Never beg! :)

Good question.

Because pennies are money as opposed to CC.

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General Discussion / Re: All Halocha Shailos and teiffa Questions
« on: March 04, 2016, 10:00:48 AM »
Not to go around in circles but if the fundraiser is taking a % its the same thing

It may appear to be the same but in essence vastly different.

The organization would much rather the cash/cheque (yeshivos, gas and almost anybody that can - tacks on the 3% fee) in contrast to the fundraiser, in which, organization would rather it be given to the fundraiser (creates relationship btwn donor and organization, makes it worthwhile for the fundraiser to be employed etc.).

And final difference is how the organization chooses to compensate/incentivize its employees or even allocate their expenses will not have any bearing on the contribution as opposed to a charge that is specific to your contribution and cannot

I agree that if you can only pay on CC - and cannot pay cash/cheque for whatever reason - since organization would gladly take a guaranteed donation even if it is on CC and eat the 3%, therefore you would be able to claim the FULL contribution for maaser.

End of the day, if you have a choice of contributing cash/cheque/cc and contribute CC, I cannot see how you would receive credit/maaser for the full contribution.

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General Discussion / Re: All Halocha Shailos and teiffa Questions
« on: March 04, 2016, 09:35:41 AM »
There are sometimes cases when the tzdaka pay kids to count/sort the money.

Thats fine and no different than the overhead the organization pays to process checks and cash.

I believe Der Deutche Jude said it best. Their expenses increased directly from your donation. And I would add that you only gave the organization 9.70 (and not 10-0.30).

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General Discussion / Re: All Halocha Shailos and teiffa Questions
« on: March 04, 2016, 09:20:49 AM »
I know; I was involved in that discussion.  I understand the logic, but this is what my Rov told me, what can I say.  At any rate, I am just explaining now why a CC expense is not the same as regular operating expenses.  I agree I don't understand why a fundraiser is different.

I dont understand the logic and would say that we all have a bias (myself included) because of the CC benefit (points, cash back, minimum spend etc.).

Your contribution is not 10 but rather 9.70 as no organization or business for that matter can get out of paying the CC fee in contrast to the fundraiser.

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General Discussion / Re: All Halocha Shailos and teiffa Questions
« on: March 04, 2016, 12:45:11 AM »
the math is off as the 3% is of the maaser and not the gross.

for example, you sold some items that were lying around at home on ebay for 110 when your cost was only 10.

Profit is 100 and therefore maaser at 10% is 10.

If you would give the 10 in cash then no maaser balance.

However, if you pay the 10 using a cc, the organization will only receive 9.70 (less 3% of the 10 contribution), you may be only able to claim 9.70 you gave to maaser as you elected to pay using cc - which costs 30 cents of your contribution and will therefore now have a 30 cents maaser balance.

It would be interesting to hear a psak.


10
General Discussion / Re: All Halocha Shailos and teiffa Questions
« on: March 03, 2016, 11:45:27 PM »
Fundraiser an CC processors both take a cut from your donation.

The difference is obvious.

You can pay by check or cash and the organization would receive a 100% of your donation in contrast to if you decide to pay by credit card the organization is actually receiving less.


11
General Discussion / Re: Amex cutting costs
« on: February 21, 2016, 04:22:13 PM »
If you think you had something to do with the death of the company president, don't admit it here. If you think you helped effect the antitrust ruling against them, then you must be a really good lawyer. If you think you had something to do with them losing Costco, then you're just plain arrogant  ;D

and if you think you are responsible for SPG & Marriott so that AMEX will probably lose SPG then you are ....... :)

12
UTMA question.

If the custodian who is also the donor dies, UTMA assets will then be included in the decedent's estate for tax purposes. Nothing accomplished, if the intent - of the UTMA - was to take advantage of the annual gift amounts.

Please let me know if this is true as it seems this is pretty clear - I am wondering if I a missing something.

Thanks

13
Just Shmooze / Re: FREILICH CHANUKAH!
« on: November 26, 2013, 02:21:13 PM »
What fun would it have been to give out all such information?  If so, I might as well have just posted the answers.

Now, that is a great idea for another experiment.

I believe you will be surprised as to how much fun it will be even when you share those particulars.
And you will then be shocked at how poor some are at negotiations.

New experiment fringe benefit: After hearing all of the details and the settlement amount, we will then truly appreciate your negotiation skills.

14
Just Shmooze / Re: FREILICH CHANUKAH!
« on: November 26, 2013, 01:18:29 PM »
Oh nutn.....keep guessing.  Contest ends tomorrow night.   :)

Aside from the fun of it, this has been an interesting social experiment.  Some of you are way off and would definitely not make good negotiators.   :)  Then again, with practice comes perfection.

Defense for all dandeals members who would not make good negotiators :)

Mr. practice, you would agree that it is particularly difficult to guess the amount, especially considering that you have not given us the case details, most importantly, the ability of your client to pay (well how much the hospital believes he can pay) - that is even assuming the hospital believes that the judge will rule in their favor

the experiment is very interesting. thank you
freilichin chanuka

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Just Shmooze / Re: FREILICH CHANUKAH!
« on: November 26, 2013, 10:34:11 AM »
2nd guess: 3,000
percentage: 15%

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