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Re: My Health care monthly premiums doubled after ACA

Firing someone due to their health condition being expensive is illegal. One other note.... I spoke with our company health insurance broker and the "insider" view of why rates are going up so much for the younger/middle aged group is that the healthy young people that are "mandated&q...
by soccerdad12
Mon Nov 24, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4134

Anyone have a smartwatch?

I was considering getting a Moto 360 android smartwatch, but have seen mixed reviews. Does anyone have one and could give their personal experience? My use cases would be: 1. Counts my steps so I don't need to wear a fitbit anymore 2. Use as GPS while driving within town 3. Potentially play audioboo...
by soccerdad12
Fri Nov 07, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a smartwatch?
Replies: 10
Views: 1156

Re: Does anyone use mozy (off site computer backup program)

I have used it for years for some business files. It works in the background and is great. I did one time, a couple of years ago, recover the files and it was very easy.
by soccerdad12
Fri Nov 07, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone use mozy (off site computer backup program)
Replies: 13
Views: 1387

Re: Making an offer today

I don't understand why anyone feels the OP did something wrong with what they offered. The seller probably spent all of 1 minute deciding it wasn't viable for them. No harm, no foul. Additionally, the value of the home currently has nothing at all to do with what the seller paid for it. It may make ...
by soccerdad12
Thu Oct 23, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4871

Re: Attorney Hourly Rates?

I have paid up to $675/hr, however I try to get the person with the best "bang-for-the-buck" rather than the lowest hourly rate. In my case, the $675/hour lawyer knew exactly what the issues were in my situation and gave sage advice in 1 hour. I had a couple of exploratory conversations wi...
by soccerdad12
Mon Oct 20, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3160

Re: Seeking Quickbooks part-time bookkeeping

you don't want them hosting your file. switch to quickbooks online and then you can turn on and off access to your books. i would never, ever, ever, ever allow someone to have control of my master QB file.
by soccerdad12
Thu Oct 16, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking Quickbooks part-time bookkeeping
Replies: 3
Views: 430

Re: advice on a surface pro 3

i have had the surface pro 3 for a couple of months. It is awesome. The pen works perfectly which makes onenote a joy to use for my purposes. There are no downsides to me (except the price is a little high).
by soccerdad12
Wed Oct 15, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 2939

Re: Best town I've never heard of [for relocating]

Why mess with the cold. Check out Apex, NC or Cary, NC. Smaller towns just 20 minutes from 3 major universities (UNC Chapel Hill, Duke, NC State). Cost of living is reasonable. Great weather. Tons of jobs. Some of the best medical care in the country. Almost crime free.

What else do you need?
by soccerdad12
Tue Oct 14, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10321

Re: Health Care/ACA question about losing coverage

did he lose coverage on 1 oct or on 30 sep? That 1 oct date might be where the sticking point is. 1st of month after losing coverage on 1 oct is 1 nov. 1st of month after losing coverage on 30 sep is 1 oct.
by soccerdad12
Fri Oct 03, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Care/ACA question about losing coverage
Replies: 19
Views: 1250

Re: The Mega Backdoor Roth IRA

I am the one that sets the plan parameters directly with TRowe for my company, so this is great advice. I did request from them to have a post-tax portion be separated from the safe harbor portion, but didn't stipulate a separate account. I will check with them on that. I will also ask for no restri...
by soccerdad12
Thu Oct 02, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 205
Views: 34423

Re: The Mega Backdoor Roth IRA

:oops: :oops: Just read my guidelines for my job 401k plan. Since I am a "highly compensated employee" I can't contribute to the after tax portion of my 401k. I am going to call HR tomorrow about this, doesn't make sense. :annoyed They probably do not have what is known as a "safe ha...
by soccerdad12
Thu Oct 02, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 205
Views: 34423

Re: The Mega Backdoor Roth IRA

what do you mean by separate accounts?
by soccerdad12
Thu Oct 02, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 205
Views: 34423

Re: The Mega Backdoor Roth IRA

Thanks VERY MUCH for this thread. I just had our company 401k changed to allow after-tax contributions for 2015! This is going to be awesome!
by soccerdad12
Thu Oct 02, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 205
Views: 34423

Re: Low cost online payroll?

we use www.paycycle.com. they are great with awesome support. probably costs $20/month for your needs.
by soccerdad12
Wed Oct 01, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low cost online payroll?
Replies: 11
Views: 939

Re: AllClear ID identity theft protection?

I did it a couple of months ago as I was caught in the Target breach and in NC there is no fee. I think the fee is dependent on what state you are in. I believe Clark Howard's website will tell you if there is a fee in your state. It is all done online and takes about 1 minute per credit agency. The...
by soccerdad12
Tue Sep 30, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: AllClear ID identity theft protection?
Replies: 7
Views: 349

Re: AllClear ID identity theft protection?

freezing your credit at the 3 credit agencies is much more effective; doing this PREVENTS damage; credit monitoring just tells you that something has happened
by soccerdad12
Tue Sep 30, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: AllClear ID identity theft protection?
Replies: 7
Views: 349

Re: Replacing the front door to house

based on all the recommendations here, i have decided to bite the bullet and buy the door pre-hung on a new frame. It seems too tricky to be able to find an expert to make it work. It is the front door to my house after all. Thanks to everyone for their advice!
by soccerdad12
Tue Jul 15, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Replacing the front door to house
Replies: 20
Views: 3210

Re: Withdraw from 529 or FL Prepaid for tuition by grandpare

I have to say... this is very nice of a grandparent to contribute to grandkid's college fund! Kudos to you.
by soccerdad12
Tue Jul 15, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdraw from 529 or FL Prepaid for tuition by grandparent
Replies: 3
Views: 429

Re: Replacing the front door to house

I owned a business for years that did exactly what you want--replace an existing pre-hung door with a new one. Just the door, not the jambs. In a new home (you said 2004) the door will be standard sized. Either 3068 or 3080, most likely. The real question is what kind of door you have now. If it's ...
by soccerdad12
Mon Jul 14, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Replacing the front door to house
Replies: 20
Views: 3210

Re: Replacing the front door to house

I know that buying a whole new frame is the "best" and most seamless option. It is just a matter if I want to pay all of the extra $$ for it rather than just replacing the door. I wasn't even sure if only replacing the door is an option. As far as the glass goes, how do I find out how good...
by soccerdad12
Wed Jul 09, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: Replacing the front door to house
Replies: 20
Views: 3210

Re: Time to buy a tv or wait 2 years?

This post interested me as someone in my office was thinking about purchasing a 4K TV. I went to BJs over lunch and looked at a 65 inch 4K TV. It was right next to a 65 inch LED TV. The picture was definitely sharper on the 4K, but not worth the $3k+ it cost. Also, the guy in my office was thinking ...
by soccerdad12
Mon Jul 07, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 6475

Replacing the front door to house

My wife wants to replace the front door to our house. The current one is functionally fine, but it isn't decorative at all. We saw some in home depot that we liked, but they said you have to replace the whole frame and not just the door. I wanted to just hang a new door on the existing frame if it w...
by soccerdad12
Mon Jul 07, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Replacing the front door to house
Replies: 20
Views: 3210

Re: Luggage recommendation

some really great responses on here. Thanks! I actually am considering checking my local craigslist to see if any of the high end bags (Tumi or Briggs and Riley) are sold on there for a fraction of the cost.
by soccerdad12
Mon Jul 07, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 36
Views: 2889

Luggage recommendation

Our luggage is old and is literally being held together with clothes pins. I don't want to spend a fortune but I would like luggage that is made well and will last. I am looking for a full set. We only travel 3-4 times per year so we aren't frequent travelers. Any recommendations?
by soccerdad12
Sun Jul 06, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 36
Views: 2889

Re: 2014 US Open Tennis Ticket Sale

I am going again this year for the 2d time. Very enjoyable. I wouldn't recommend watching a match on Arthur Ashe unless you are down pretty low. Last year I was pretty high up and it wasn't great viewing. The other 2 stadiums are awesome b/c all of the seats are good. If I had kids that age, I would...
by soccerdad12
Mon Jun 02, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: 2014 US Open Tennis Ticket Sale
Replies: 6
Views: 596

Re: Expensive med. test not covered by insurance

This problem is one reason I love my Kaiser HMO insurance plan . As long as I'm getting care in a Kaiser building, the doctor / lab / etc is always in-network. I have never had an annual deductible on my plan, nor is there any coinsurance (percentage of cost). Just premiums and fixed copays for ser...
by soccerdad12
Wed Apr 16, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 5308

Re: Vitamins instead of prescription meds?

https://www.google.com/search?q=vitamin+studies#q=vitamin+studies&tbs=qdr:y I am not talking about multivitamins. I am talking about specific vitamins for a specific issue. I don't know what the answer is and that I why I ask others experience. Vitamins generally are alot more expensive than ge...
by soccerdad12
Mon Mar 31, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins instead of prescription meds?
Replies: 10
Views: 1164

Vitamins instead of prescription meds?

I am conflicted on trying to treat with vitamins rather than prescription meds for non-essential medical conditions. There is so much information on the internet that it is really hard to know what to believe. For instance, I am thinking of having my teenager with an acne issue try Vitamin B along w...
by soccerdad12
Mon Mar 31, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins instead of prescription meds?
Replies: 10
Views: 1164

Re: Death of co-worker

Death definitely makes you think twice about your plans. One of the most important things to me is that I like my work. Working has some enjoyment in and of itself. I can't imagine hating my job and can't waiting for the weekend. A lot of weeks I look forward to what the work week will bring. Everyo...
by soccerdad12
Mon Mar 31, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 10459

Re: The Estate lawyer cost us big

I have an interest in this topic. Help me understand how the size of the estate is a major factor. I understand the complexity being a major factor. If someone has $1M in one Vanguard fixed income fund, or a CD, and another person has 5K it seems the attorney's work is somewhat similar. I have thou...
by soccerdad12
Fri Feb 21, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 9866

Re: USAA Auto Insurance?

That said I may move when my son gets older and drives if USAA still won't issue me an umbrella policy (I just don't like having auto with one carrier and umbrella with another). Why would USAA turn anyone down for an umbrella policy? I don't remember them even asking me any questions other than th...
by soccerdad12
Thu Feb 20, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 70
Views: 9568

Re: Sales Professionals Advise A Young Professional

Do you have an accounting degree? Do you currently work as an accountant/auditor etc...?
by soccerdad12
Thu Jan 30, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sales Professionals Advise A Young Professional
Replies: 8
Views: 888

Re: S Corps, health insurance, and ACA

1. S-corp maintains a company medical insurance plan, and offers coverage to all eligible employees on a partial cost-shared basis. Owner opts for coverage, and company pays premium. None of the employees opt for coverage. Owner is the sole covered employee under the plan. Don't think this is an op...
by soccerdad12
Thu Jan 23, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: S Corps, health insurance, and ACA
Replies: 16
Views: 1799

Re: 1099 [1099-MISC contractor vs employee status]

Alot of times companies will pay 1099 contractors a higher hourly wage than a hourly W2 employee because they don't have the associated burden (workers comp, FICA, FUTA, SUTA etc...). Did you know that you were being paid as a 1099 contractor when you took the job? Are the wages higher than other no...
by soccerdad12
Mon Jan 20, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: 1099 [1099-MISC contractor vs employee status]
Replies: 8
Views: 786

Re: Target Breach, Updated

I received this email from Target yesterday: Dear Target Guest, As you may have heard or read, Target learned in mid-December that criminals forced their way into our systems and took guest information, including debit and credit card data. Late last week, as part of our ongoing investigation, we le...
by soccerdad12
Thu Jan 16, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4661

Re: Investing in a food truck

Those are all great points. This guy is trustworthy and, as someone pointed out, the upscale foodtrucks in my area are almost all credit card based. The guy is young (late 20s), grew up in the restauant industry with his parents owning an upscale restaurant as a chef. He has a college degree from a ...
by soccerdad12
Mon Jan 06, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2419

Re: Investing in a food truck

The plan would probably to be exactly as you described. Foodtruck to build brand, then launch restaurant, then launch multiple restaurants and finally franchise. Small dream... I know. The operator's family has owned a mid-upscale restaurant recently and he worked there so he is familiar with the re...
by soccerdad12
Fri Jan 03, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2419

Re: Investing in a food truck

I would put up the money and a seasoned restauarant guy/chef would actually operate it (I know him thru a friend). I bought a book on the economics of food trucks. The operator is great front of the house and also as chef. He also has friends that own food trucks so he has good real information on t...
by soccerdad12
Fri Jan 03, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2419

Investing in a food truck

Anyone have any experience investing in or working with food trucks? I am considering investing in a start up food truck biz and thought someone here might have personal experience in it on the ups/downs, considerations, gotchas etc....

Thanks!
by soccerdad12
Fri Jan 03, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2419

Re: Annual termite inspection / retreatment. Stumped in Rale

Try: www.etheridgepestservices.com/

I think they cover from Clayton to Chapel Hill.

Guy in my office used them and said they were fantastic and very thorough.

They are the #1 rated provider on Angies List in the Raleigh area too.
by soccerdad12
Thu Oct 24, 2013 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Annual termite inspection / retreatment. Stumped in Raleigh.
Replies: 21
Views: 3302

Re: Non qualified deferred compensation plans

How do you get to $51k in a 401k?
by soccerdad12
Thu Oct 24, 2013 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Non qualified deferred compensation plans
Replies: 9
Views: 872

Re: Non qualified deferred compensation plans

I have researched this same issue and never found a good answer. The problem, I found, with the insurance policies is that the load is so darn high on them that I can't stomach doing it. I also would love to know what others have done on this topic.
by soccerdad12
Thu Oct 24, 2013 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Non qualified deferred compensation plans
Replies: 9
Views: 872

Re: HDHP vs Traditional; enrollment period; time to decide

HDHP are fantastic for people that consume alot of healthcare services. In my experience, when you hit the max then you are 100% covered. I hit the max every year and everything after that point doesn't cost me anything. Someone in my office is on the HDHP as well and ended up being in the hospital ...
by soccerdad12
Thu Oct 17, 2013 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Traditional; enrollment period; time to decide
Replies: 20
Views: 1854

Re: Best technology to know for independent contractors?

The best thing to know (and generally the highest paid) is a combo of technical work in a specific functional area. Ex: become an expert at financial systems by understanding the functional side of what it does, why it does, be able to interact with the users (CFO/controller) and also have the techn...
by soccerdad12
Tue Sep 03, 2013 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best technology to know for independent contractors?
Replies: 12
Views: 1197

Best online values for new laptops?

I am looking to buy a new Windows 8 laptop. Any idea of the best reputable "deal sites" on the web that show the best current deals on laptops?

Searching the web I come up with alot of these type of sites, but I am concerned that some of them might not be legit.

Thanks!
by soccerdad12
Thu Aug 15, 2013 9:48 am
 
Forum: Personal Consumer Issues
Topic: Best online values for new laptops?
Replies: 18
Views: 1875

Re: 20 year anniversary trip

We will go in September this year. Now that I think about it.... London and Paris might be perfect. My wife is a HUGE tennis fan. We went to the US Open last year and she couldn't get enough. In London we could visit Wimbledon and in Paris we could visit Roland Garros. The tournaments wouldn't be go...
by soccerdad12
Tue Jun 04, 2013 1:18 pm
 
Forum: Personal Consumer Issues
Topic: 20 year anniversary trip
Replies: 12
Views: 844

Re: 20 year anniversary trip

I was thinking maybe 10 days and visit 1 or 2 countries (1 or 2 cities in each country). I was hoping someone had some good experience so it would provide a guide as to how to map it out since the possibilities are endless.
by soccerdad12
Tue Jun 04, 2013 12:15 pm
 
Forum: Personal Consumer Issues
Topic: 20 year anniversary trip
Replies: 12
Views: 844

20 year anniversary trip

My 20 year wedding anniversary is coming up and I want to plan a nice vacation for me and the wife to celebrate. I am thinking something outside the US, but not Caribbean (we just went there). We have never been to Europe so I thought that would be nice. Any suggestions on a nice 20 year vacation pr...
by soccerdad12
Tue Jun 04, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: 20 year anniversary trip
Replies: 12
Views: 844

Re: Training for a 5K

What do you think about running with a heart rate monitors to ensure you are in the proper zone and not over exerting? I have never done it, but have thought about trying it to see if it will help me keep my pace longer and not get so winded.
by soccerdad12
Fri May 31, 2013 10:48 am
 
Forum: Personal Consumer Issues
Topic: Training for a 5K
Replies: 67
Views: 3010

Re: One doc's interesting revolt against the payment system

I assume that compensation chart isn't accurate for those doc's that work directly for and at a hospital, as opposed to those with their own practice? If I don't have my own practice, building upkeep, billing, computers etc... then I would assume the compensation would go way, way down. That chart i...
by soccerdad12
Fri May 31, 2013 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: One doc's interesting revolt against the payment system
Replies: 65
Views: 5602
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