Search found 152 matches

by Nyc10036
Mon Oct 16, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1212

Re: ACA stay below 250% FPL for 2017?

Is there any reason why I should still try to stay below 250% FPL for this year 2017 given the upheaval about CSR for 2018? In general, the lower your income the less the maximum premium payment. Going from just below 250% FPL to above it increases your maximum premium payment from being about 8.2%...
by Nyc10036
Sun Oct 15, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 41
Views: 2733

Re: Amazon Prime - Decline in Delivery Service?

20 miles from 3 (!) Amazon Warehouses. In stock item takes 9 calendar days. No Prime.
I am using Walmart's free 2 day shipping more.
by Nyc10036
Sun Oct 15, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1212

Re: ACA stay below 250% FPL for 2017?

For 2015 I ended up paying back all my PTC due to a contract job that I ended up getting earlier in the year rather than later. I kept the CSR but I did not get sick. For this year 2017 I will end up closer to 300% FPL and I was wondering whether there was something I am overlooking if I end up abov...
by Nyc10036
Sun Oct 15, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1212

ACA stay below 250% FPL for 2017?

Is there any reason why I should still try to stay below 250% FPL for this year 2017 given the upheaval about CSR for 2018? Last year it worked out that my MAGI put me at less than 250% FPL. This year if things continue as they are now I could end up closer to 300% and that is if I contribute to a T...
by Nyc10036
Fri Oct 13, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5478

Re: Help me understand what happen with the new law and ACA subsidies

Actionable items: Get a job with group insurance Marry someone with group insurance Houston, we may have a problem. (1) I may be too old to get a job, but too young to be on Medicare. (2) I can't find someone with group insurance to marry. Unless one is ill, I think many under 65 will be able to fi...
by Nyc10036
Wed Sep 27, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: United Healthcare Preventive Health plan
Replies: 4
Views: 478

Re: United Healthcare Preventive Health plan

Since my earned this year is so low, can I stay on my Silver plan and still get the subsidies? Don't I have to notify the Healthcare.gov of my employment change? I was told here on the BH forums that if my employer has ACA insurance plan that I had to switch to it. The woman at the employer's benefi...
by Nyc10036
Wed Sep 27, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: United Healthcare Preventive Health plan
Replies: 4
Views: 478

Re: United Healthcare Preventive Health plan

Can you explain further? I have $1000 in earned income for 2017 before I started working at this company two weeks ago. I am currently on a Siver plan through the exchange and had planned on doing a Roth conversion later this year. If, and this is a big if, I continue working I would be at 200% of F...
by Nyc10036
Wed Sep 27, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: United Healthcare Preventive Health plan
Replies: 4
Views: 478

United Healthcare Preventive Health plan

I have just started working a contract job, and my employer is offering the United Healthcare Preventive Healthcare plan which is ACA-compliant. Does anyone have this? It looks to be extremely barebones. So they offer Aetna Fixed Benefit Plan as a supplement to cover hospital stay, surgeries, etc Co...
by Nyc10036
Fri Sep 15, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1726

Re: Repair 2003 Honda Accord?

I am wondering whether I should spend $1700 to replace front CV assemblies, lower control arms, outer tie rod, rack assembly. The Accord has 206K miles a lot of it highway miles. I am not wanting to buy a brand new Accord becaude I think I can put another 100K miles on it. Any thoughts? I wanted to...
by Nyc10036
Thu Sep 14, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1726

Re: Repair 2003 Honda Accord?

how old are the tires and fluids? Does it have a timing chain or belt and if its a belt when is that due? How current are you on other maintenance? Tires have about 5000 miles on them very new. Fluids are changed regularly. The only thing on the dealer's list is transmission fluid. The A/C was fixe...
by Nyc10036
Thu Sep 14, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1726

Repair 2003 Honda Accord?

I am wondering whether I should spend $1700 to replace front CV assemblies, lower control arms, outer tie rod, rack assembly.

The Accord has 206K miles a lot of it highway miles.

I am not wanting to buy a brand new Accord becaude I think I can put another 100K miles on it.

Any thoughts?
by Nyc10036
Fri Sep 08, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Medical insurance and contract work
Replies: 4
Views: 414

Re: Medical insurance and contract work

I am receiving a subsidized premium. I am not officially in their system so I won't know anything about doctors , deductibles, etc yet. The only issue I can see is that the plan is geared very much towards Massachusetts. This client company in NJ is the odd duck. The upside is that with COBRA I will...
by Nyc10036
Thu Sep 07, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medical insurance and contract work
Replies: 4
Views: 414

Re: Medical insurance and contract work

$15/week only one plan
No details about what is actually covered
by Nyc10036
Thu Sep 07, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Medical insurance and contract work
Replies: 4
Views: 414

Medical insurance and contract work

I will be starting a new job on Monday. I will be an employee of a staffing company located in Massachusetts. I will be actually working at client company in NJ. The staffing agency does offer ACA-compliant insurance, however the job is suppose to last 2-4 months. What should I do? I really don't wa...
by Nyc10036
Sun Aug 27, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Stay or not - natural disaster
Replies: 16
Views: 1798

Stay or not - natural disaster

I went through Superstorm Sandy almost 4 years ago. Looking back I probably should have gone to a hotel in eastern PA and stayed for a couple of days. Fortunately we continued to have running water even though the power was out for 4 days. Now looking at Hurricane Harvey and Houston, how does one ma...
by Nyc10036
Mon Aug 21, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice
Replies: 3
Views: 494

Re: Investment advice

InvestingDreams wrote:
Mon Aug 21, 2017 10:50 am
Are 10 different ETF/index funds too much?
Way too many 1 or 2 would be more than adequate.
by Nyc10036
Mon Aug 21, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Free computer support?
Replies: 11
Views: 1193

Re: Free computer support?

parigi723 wrote:
Mon Aug 21, 2017 8:09 am
Thanks for your reply:
Yes it does start up and then it forces me to turn the power off.
The unit is about 4 yrs old.
The type of things you are posting are not very helpful for remote troubleshooting.

Take your PC into Best Buy and have them diagnose the problem for $$$.
by Nyc10036
Mon Aug 21, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: Free computer support?
Replies: 11
Views: 1193

Re: Free computer support?

parigi723 wrote:
Mon Aug 21, 2017 4:45 am
Thank you so much! It has a difficult time to start up.
Failing hard drive. Back up your data!
by Nyc10036
Fri Aug 18, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Services provided non-taxable
Replies: 2
Views: 196

Services provided non-taxable

I have been providing website design services and I have never charged my clients sales tax. Fortunately this service is exempt from sales tax in the state of New Jersey. I just learned today. :shock: Of course, I have been reporting the income. According to the New Jersey Sales Tax Guide Bulletin S...
by Nyc10036
Tue Aug 15, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5025

Re: Best Housing To Avoid Noise

I rented a 2B2b apartment that was laid out very nicely. The bedrooms were on the second floor directly above my own living room, dining area, kitchen. In addition, the common wall was closet and a bath and my apartment's stairs from the first to second floor. The only noise problem came when they s...
by Nyc10036
Sun Aug 13, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Wife's 401K
Replies: 5
Views: 482

Re: Advice on Wife's 401K

It sounds like you are blaming the HR for something your wife wanted to do which was cashout.

I am not sure what has changed in her mindset? Is it because the market is at or close to a high now?
by Nyc10036
Fri Aug 11, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2386

Re: Laptop suggestions pls

LadyGeek wrote:
Does anyone sell laptops without an OS? I can transfer my current Win 7 license to the new laptop. .
Dell used to sell laptops with Linux installed.
by Nyc10036
Thu Aug 10, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much Roth conversion?
Replies: 14
Views: 1286

Re: How much Roth conversion?

mhalley wrote:You might run your numbers in taxcaster.

https://turbotax.intuit.com/tax-tools/c ... taxcaster/
Thanks!

Downloading the app.
by Nyc10036
Thu Aug 10, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much Roth conversion?
Replies: 14
Views: 1286

Re: How much Roth conversion?

squeat wrote:Add up standard deduction, personal exemption(s) and tax brackets for your marriage status. Subtract out the $5k of income and interest/dividend income to figure out how much you have left to fill up the 15% bracket.

Click here for info on the brackets.
Thanks!
Straightforward math.
by Nyc10036
Thu Aug 10, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: How much Roth conversion?
Replies: 14
Views: 1286

Re: How much Roth conversion?

livesoft wrote:OP did not mention the $148,119 in unearned, passive investment income that they will have. Yes, they mentioned interest and dividends, but there is other income, too.
If there was other income I would have mentioned it, so I would not be thinking about this.
by Nyc10036
Thu Aug 10, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much Roth conversion?
Replies: 14
Views: 1286

How much Roth conversion?

My earned income this year looks like it will be about $5K. :(
My interest and dividend will be offset by the standard deduction.

How much of my tIRA can I convert and stay below 15% tax rate?
by Nyc10036
Thu Aug 10, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Advice for retiring parent
Replies: 11
Views: 1240

Re: Advice for retiring parent

Thanks for all of the replies.....right inline with what I was thinking. I still think I am going to have a hard time convincing them to stay in stocks. Where would you put the "safe" money? Money Market? Total Bond Fund? CD? Less purchasing power due to inflation is "money lost" as well, but your ...
by Nyc10036
Wed Aug 09, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for retiring parent
Replies: 11
Views: 1240

Re: Advice for retiring parent

Even at conservative 4% withdrawal rate, $750K = $30K = $2500 a month.

What about medical insurance for the next 4 years until medicare kicks in?
by Nyc10036
Wed Aug 09, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17419

Re: Life at crossroads. What would you do ?

Don't do anything drastic. I would take the job with the 3 hour commute. Stay overnight at a hotel Tu-Th. Perhaps do a 9/80 or 8/80. When income is coming in, you can relax and focus on your next move. There is less stress. I know. Then perhaps apply for jobs in other parts of the country. See what ...
by Nyc10036
Tue Aug 08, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 1841

Re: Need A New Verizon MVNO

Thanks for all the feedback. I really like the idea of buying a block of data that doesn't expire in 30 days. I've searched Boom but can't find any info. RE: the cost of extra minutes or data if you go over your allotment. They don't tell you how much the top-ups cost. Someone with an active accoun...
by Nyc10036
Mon Aug 07, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 1841

Re: Need A New Verizon MVNO

I have Tracfone. $125 for 365 days --- 1500 minutes, 1500 texts, 1.5GB data. With your usage you will end up needing to buy another 1 GB for $10 and more minutes for another $80. I rarely use minutes and mostly use data, so I paid $20 for 180 minutes + $60 for 365 days of service no minutes +$20 for...
by Nyc10036
Mon Aug 07, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Late model Windows 7 laptop
Replies: 12
Views: 956

Re: Late model Windows 7 laptop

Turns out she want to a local mom+pop electronics store and bought a used Dell laptop with a matte display. She really wanted a matte display.

It has Windows 10. Go figure.
by Nyc10036
Sun Aug 06, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Late model Windows 7 laptop
Replies: 12
Views: 956

Late model Windows 7 laptop

I have a friend who wants a laptop with Windows 7. She cannot afford a brand new one at $550. Cheapest one I can find on dell.com She uses software Windows Live Moviemaker to create short video clips. She does not want Windows 10. Is adament about that. I am trying to figure out what Dell models wou...
by Nyc10036
Sun Aug 06, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mom made a mistake? Annuities
Replies: 51
Views: 5091

Re: Mom made a mistake? Annuities

The 6% return in the "funny money" account can be recalculated into a bank interest rate equivalent using a technique published by Prof. Moshe Milevsky at York University in Toronto. I have done a number of these recalculations, and a 6% rider return should recalculate to roughly a 2.5% bank intere...
by Nyc10036
Wed Aug 02, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: SSA.gov's taxed S.S. earnings and tax return
Replies: 2
Views: 451

Re: SSA.gov's taxed S.S. earnings and tax return

kaneohe wrote:How close are the numbers? Could some number from Sch SE have been used?
Duh!

You are right.

They took line 4 of Schedule SE.
by Nyc10036
Wed Aug 02, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: SSA.gov's taxed S.S. earnings and tax return
Replies: 2
Views: 451

SSA.gov's taxed S.S. earnings and tax return

I worked a 1099 job in 2016.
I filed a Schedule C-EZ.
I cannot figure what the SSA used to figure out my Taxed Social Security Earnings for 2016.
The number is close but not the same as what I reported on the Schedule C-EZ.
by Nyc10036
Tue Aug 01, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1571

Re: Who's Responsible?

Thanks. Aside from the fact that I have my refund from Amazon, I'm asking a simple question; Is it my responsibility to chase down a book that the USPS lost? I am not understanding your use of "responsibility". You have been refunded eg made whole. If you want to track down this book, you can. As f...
by Nyc10036
Wed Jun 21, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 20229

Re: Siblings in disagreement over mom's house.

An inanimate object is not going to "keep a family together".
Foolish assumption on the part of those who have that belief.

And the OP's siblings should remember their mother in the memories they have for her and not by clinging to a house. Their mom is not that house.
by Nyc10036
Mon Jun 19, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Must enroll in employer health insurance?
Replies: 4
Views: 525

Re: Must enroll in employer health insurance?

This new job is so low-pay that even if I work a full year I would eligible for subsidy based on income
by Nyc10036
Mon Jun 19, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Must enroll in employer health insurance?
Replies: 4
Views: 525

Must enroll in employer health insurance?

I am currently purchasing health insurance through the Exchange.

I will be starting work on Monday at a job that offers health insurance after 90 days.

Am I required to enroll ?

I am currently with Horizon Blue Cross Blue Shield of NJ.
by Nyc10036
Wed May 24, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Saving Baby bunnies
Replies: 9
Views: 1149

Re: Saving Baby bunnies

You ensure that the mom finds them by *not* moving them.
Watch over them and make sure they are safe from predators.

The Humane Society will not be able to help them. Contact a wildlife rescue.
by Nyc10036
Wed May 24, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Saving Baby bunnies
Replies: 9
Views: 1149

Re: Saving Baby bunnies

I belong to a wildlife rescue.

Google this. it is clear what you should do.

The Humane Society or local animal rescue deal with domesticated animals. These rabbits are wild.

Contact a wildlife rescue if mom does not return.
by Nyc10036
Wed May 24, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Saving Baby bunnies
Replies: 9
Views: 1149

Re: Saving Baby bunnies

No. no. No.

Do not disturb. Wait for mom to get back!
PLEASE!!!!
by Nyc10036
Wed May 10, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3883

Re: What to do with older laptop?

I would suggest keeping Windows.

Defrag your hard drive.

LinuxMint let's yoiu try first before permanently installing.

Know how to get into BIOS so that you set your laptop to boot from USB and not from the hard drive.
by Nyc10036
Tue May 09, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3883

Re: What to do with older laptop?

I would install Linux and possibly add 1 GB to it.
You will end up with a nice secure laptop to use to log into all your financial account websites.

Take a look at Linux Mint with Xfce. It is lightweight desktop environment.
by Nyc10036
Sun May 07, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3564

Re: How to get out of a apartment renter lease? They want $3,600

Water under bridge now, but would have tried to negotiate with landlord before you actually notified them you were moving. Advance notice may have made it easier for them to rent the place and you'd likely only be out the deposit. That would presume that the OP would want the landlord showing the a...
by Nyc10036
Sun May 07, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3564

Re: How to get out of a apartment renter lease? They want $3,600

jalbert wrote:The apartment may only sit vacant for 2 weeks.

2 weeks is not reasonable given that there are credit check etc.
The new tenant also has his/her own lease. He/she will sign the lease to start when they need it to.

My experience as a renter is that 1 month is more the norm.
by Nyc10036
Sun May 07, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3564

Re: How to get out of a apartment renter lease? They want $3,600

I have rented in NJ.
The OP is getting off easy for $3600 to break a lease.
Unless he has his entire family living in a studio apartment, the rent for a 2 bedroom apartment is not cheap. I was paying $1600/month 5 years ago.