Search found 468 matches

by theplayer11
Tue Sep 25, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 105
Views: 5598

Re: Fed up with health insurance situation

This year it's $900/month for the three of us, going up to $1040/month in 2019 Anyone ever find themselves in a similar situation? Frankly I have not ever found myself in that situation, but if I did, I would "nope" right on out of the there. Those prices would make health insurance my highest expe...
by theplayer11
Tue Sep 25, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 105
Views: 5598

Re: Fed up with health insurance situation

As for the rising costs in health care, health care professionals need to do a better job with preventative medicine opposed to focusing on procedures for problems that could have been prevented.
by theplayer11
Tue Sep 25, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 105
Views: 5598

Re: Fed up with health insurance situation

self employed are getting hammered and from my experience most who don't think there is a problem get their insurance mostly paid for by their employers.
Premiums rose moderately until the ACA passed, then straight up.
by theplayer11
Tue Sep 25, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 34
Views: 3436

Re: Someone stole my check from the mail, changed the amount, and deposited it

how was the criminal able to change the $$ amount and the written amount on the check?
by theplayer11
Mon Sep 24, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5274

Re: Ripped off by a locksmith

it was your fault for locking yourself out..
by theplayer11
Mon Sep 24, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: S Corporation vs. LLC Partnership Logistics
Replies: 15
Views: 1061

Re: S Corporation vs. LLC Partnership Logistics

Easiest way to do payroll? Hire a payroll company. Trust me—you don’t want to do your own payroll tax. I am a CPA. I have a lot of s-Corp clients. Many of them have said, “I can do my own payroll.” None of them have ever succeeded. I do mine, and am 99% sure I do them correctly..thanks to help and ...
by theplayer11
Mon Sep 24, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: S Corporation vs. LLC Partnership Logistics
Replies: 15
Views: 1061

Re: S Corporation vs. LLC Partnership Logistics

Easiest way to do payroll? Hire a payroll company. Trust me—you don’t want to do your own payroll tax. I am a CPA. I have a lot of s-Corp clients. Many of them have said, “I can do my own payroll.” None of them have ever succeeded. I do mine, and am 99% sure I do them correctly..thanks to help and ...
by theplayer11
Sun Sep 23, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 978

Re: ACA subsidy for >2% owner in Scorp

DSInvestor wrote:
Sat Sep 22, 2018 11:25 pm
Are you contributing to retirement plans like solo 401k, and/or IRA? If you have HSA compatible health insurance, are you contributing to HSA? These contributions reduce your AGI which will help you stay eligible for the premium tax credit.
yes, all maxed out
by theplayer11
Sat Sep 22, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11947

Re: iPhone XS Max

I disagree....what does the new iphone do that is needed that an older model can't? ...Not buying the speed difference because it's nominal. You can’t be serious. The camera alone is vastly superior. “Needed” depends on your perspective. Does anyone “need” more than an economy car to get from point...
by theplayer11
Sat Sep 22, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11947

Re: iPhone XS Max

I always find it funny when people get all uppity about the new iPhones. The fact is that the phone is likely the number 1 used piece of equipment/device/accessory/etc. by nearly everyone in the country besides their bed. If you think it is too expensive just buy a cheaper alternative, but don’t co...
by theplayer11
Sat Sep 22, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11947

Re: iPhone XS Max

still confused how a few milliseconds faster matters to most people...yet so many use this argument. IMO is just a justification to buy the new shiny toy.
by theplayer11
Sat Sep 22, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 978

Re: ACA subsidy for >2% owner in Scorp

doubled check all entries..giving up on taxact. No idea why it's not allowing self employment health insurance deduction of $2,700
by theplayer11
Sat Sep 22, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 978

Re: ACA subsidy for >2% owner in Scorp

This message from Taxact is the crux of the matter: "An adjustment is required to your self-employed health insurance deduction. Of the $2,712 Marketplace premiums you paid, $2,712 were applied toward the premium tax credit. An adjustment is required because these same premiums cannot also be claime...
by theplayer11
Sat Sep 22, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 978

Re: ACA subsidy for >2% owner in Scorp

OK, I think I found what TaxAct is doing. This is what they show: "An adjustment is required to your self-employed health insurance deduction. Of the $2,712 Marketplace premiums you paid, $2,712 were applied toward the premium tax credit. An adjustment is required because these same premiums cannot ...
by theplayer11
Sat Sep 22, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 978

Re: ACA subsidy for >2% owner in Scorp

Where are you deducting the $2700 net Insurance premium? If you are deducting it on Schedule A, it does not reduce your AGI and ACA MAGI. You need to deduct it on Form 1040 Line 29. If you are. I have no explanation for the behavior you are describing. Do you have an HSA qualifying HDHP? If so, are...
by theplayer11
Sat Sep 22, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 978

Re: ACA subsidy for >2% owner in Scorp

The bottom line is that your deduction is the net premium = gross premium - premium tax credit. You should always do this with software if possible. So apparently, you must be below the ACA income limit BEFORE the health insurance premium deduction. That is not correct. You start the iterations wit...
by theplayer11
Fri Sep 21, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 978

Re: ACA subsidy for >2% owner in Scorp

SR...I was referring to this: "if you are self-employed, the health care premium is deductible, which lowers your MAGI, which potentially qualifies you for a premium subsidy, which lowers the amount you can deduct because you can’t double dip, which raises your MAGI and reduces your premium subsidy,...
by theplayer11
Fri Sep 21, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 978

ACA subsidy for >2% owner in Scorp

I started reading about iterations and might head might explode. Can anyone help with these figures. -Family of 3, income limit is $81,680..I estimated $81k income for 2018. -I'm receiving $500/mth in subsidy, I'm paying $225/mth., $2700/yr in 2018 - Our income right now is right about $81K(seasonal...
by theplayer11
Thu Sep 20, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 3
Views: 413

Re: ACA subsidy question

For clarification...If I estimate income above the income cut off and don't receive any subsidies during 2019 to lower my premiums(policy bought on my state exchange), I can still reconcile on my taxes in April of 2020 and receive the full subsidy?
by theplayer11
Thu Sep 20, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 3
Views: 413

ACA subsidy question

Almost that time of year again. If I'm close to the ACA cliff, should I estimate our income under the cut off limit and if it ends up being over then I would just pay back at tax time the following year? Or better yet, just pay full price during the year and if over the income limit then it's a wash...
by theplayer11
Thu Sep 20, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6713

Re: Don't trust Tripadvisor reviews

I like trip advisor and haven't been "scammed" yet. When you read 50+ reviews you can get a pretty good take on a place.
by theplayer11
Wed Sep 19, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 252
Views: 17551

Re: What is your single most expensive mistake?

dot com bubble....enough said
by theplayer11
Tue Sep 18, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3336

Re: Dental work and hypertension issue

I was denied a full mouth x-ray because of high blood pressure 4 1/2 years ago and it changed my life. I was negligent in seeing a doctor for years and my blood pressure had crept up and was dangerously high. I went straight to the doctor after the denial(and I mean directly from the clinic). This w...
by theplayer11
Sun Sep 16, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4940

Re: [Wearing] Shorts in Egypt

I know there of plenty here who follow the "I'll just wear whatever is practical wherever I go" school, but I think that can be very disrespectful. Of course lots of folks don't care about that either. It amazed me how many tourists in Rome, even in winter, wandered around St Pete's in their cargo ...
by theplayer11
Sun Sep 16, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: 401k money missing
Replies: 40
Views: 5407

Re: 401k money missing

don't wait!!..confront and if not satisfied, call the authorities.
by theplayer11
Sat Sep 15, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4940

Re: [Wearing] Shorts in Egypt

As to the shorts debate in the US, I would offer a reasonable compromise. Wearing shorts, no problem so long as the sun is in the sky. But for humanity’s sake, switch to pants once the sun is down. This is roughly what you look like wearing shorts after sundown https://media-cdn.tripadvisor.com/med...
by theplayer11
Sat Sep 15, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4940

Re: [Wearing] Shorts in Egypt

UpperNwGuy wrote:
Sat Sep 15, 2018 5:53 pm
Egyptians don't wear shorts in Egypt. Neither should you.
says you..we are all humans and should be able to wear what we want where we want unless it's not legal. If it's hot, I'm wearing shorts.
by theplayer11
Sat Sep 15, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4940

Re: [Wearing] Shorts in Egypt

I know there of plenty here who follow the "I'll just wear whatever is practical wherever I go" school, but I think that can be very disrespectful. Of course lots of folks don't care about that either. It amazed me how many tourists in Rome, even in winter, wandered around St Pete's in their cargo ...
by theplayer11
Fri Sep 14, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3542

Re: Should I get a new iPhone?

Have a 6s and I'm a fairly heavy user. Mine works flawlessly for what I do..apps open right up, don't understand how a few milliseconds faster would make any meaningful difference to me. I will upgrade when my phone dies.
by theplayer11
Fri Sep 14, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4167

Re: Subaru Forester - ready to buy

We looked hard at both the Forrester and the Outback. My wife and I kayak at least once a week during the summer, so the roof rack was important. The Outback comes with a slick rack system. And, the Outback is not quite as tall and makes it easier for us to load the 43 pound kayaks. So that made th...
by theplayer11
Wed Sep 12, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11947

Re: iPhone XS Max

apple really does seem to have most in the palms of their hands..tricking people they need an upgrade every other year. People justifying upgrades for no apparent reason.
by theplayer11
Wed Sep 12, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11947

Re: iPhone XS Max

My two-year old 8 Plus (I think, whatever was introduced two years ago) is due for an upgrade, largely due to the poor battery life. I have to recharge multiple times throughout the day. I'm definitely a heavy user for work, but don't watch movies or anything on it. Under the "battery health" in se...
by theplayer11
Wed Sep 12, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11947

Re: iPhone XS Max

$1100 for the cheapest iPhone Xs Max at 64 gigabytes of storage. No. Just, no. There is no conceivable feature Apple could add on top of the basic required functionality that would justify this price. I'll keep my $200 32Gb iPhone SE. It still works just fine. I love the size of my SE, but it has b...
by theplayer11
Wed Sep 12, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11947

Re: iPhone XS Max

$1100 for the cheapest iPhone Xs Max at 64 gigabytes of storage. No. Just, no. There is no conceivable feature Apple could add on top of the basic required functionality that would justify this price. I'll keep my $200 32Gb iPhone SE. It still works just fine. I love the size of my SE, but it has b...
by theplayer11
Wed Sep 12, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: 401k money missing
Replies: 40
Views: 5407

Re: 401k money missing

I knew someone that worked for a small company and the owner was indeed stealing 401k money.
It happens...get on this
by theplayer11
Tue Sep 11, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Small business credit card recommendations
Replies: 17
Views: 1086

Re: Small business credit card recommendations

The Chase Ink credit cards are generally regarded as having the best rewards, and I used Chase Ink cards for seven years with my small business, however I still recommend AGAINST them. Chase has a flaw in their web portal that makes individual charges disappear for a few days, even tbough the charg...
by theplayer11
Mon Sep 10, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5098

Re: Advice on how to deal with barking dogs

I am going to court this afternoon for a barking dog complaint. It is the city against the dog's owner wih me as a witness. This because you cannot remain anonymous for a complaint. I finally am going this route. I would expect very little when confronting the dog owners. Dog owners are some of the...
by theplayer11
Mon Sep 10, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8273

Re: Botched countertop installation - leave it as-is or risk the repair?

don't have input on your specific situation, but would just like to add that we had an expensive kitchen remodel 7 years ago and there were a few imperfections that seemed major at the time...but as weeks and then months passed, we never gave them a second thought.
by theplayer11
Sun Sep 09, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

Surprised so many think of the outback as a large vehicle. Then again, I've owned nothing but mid to full SUVs since 1992. :D The Outback is 190 inches long! Try parallel parking that rig on a crowded city street. I often struggle to park my 165 inch Volkswagen Golf on city streets. I've only neede...
by theplayer11
Sun Sep 09, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

Surprised so many think of the outback as a large vehicle. Then again, I've owned nothing but mid to full SUVs since 1992. :D
by theplayer11
Sat Sep 08, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3607

Re: Subaru: Crosstrek or Outback?

Yup, test driving tomorrow. The conversation has been around size. If others have had the same conversation and made a decision and have feedback, that could be useful, I suspect. Forester: Amazing visibility. Slots between Crosstrek and Outback in size. Higher ride height with huge windows lets yo...
by theplayer11
Thu Sep 06, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3944

Re: Psychology of saving for college vs retirement

we funded both, meaning did not max out retirement. No regrets and would do the same again. My philosophy is that we brought our kids into this world and it's my responsibility to educate them, If that means a little less goes into retirement, so be it.
by theplayer11
Tue Sep 04, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4619

Re: How much do you spend on kids extracurriculars?

jehovasfitness wrote:
Tue Sep 04, 2018 3:33 pm
$1100/mo ? holy cow

when I was a kid, now 37, I would go outside and play with the neighborhood kids for $0
yup..those days are gone....we played pick up baseball from when school ended until sunset..Also, lots of time in the woods exploring, building stuff, staying occupied.
by theplayer11
Tue Sep 04, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4619

Re: How much do you spend on kids extracurriculars?

My kids are grown now, but from my experience many parents paid all these crazy club team fees thinking their little Johnny/Sally would be the next great superstar. Rarely happens and mostly a waste of money, especially if they could have just played in a local league. I've coached multiple sports a...
by theplayer11
Sun Sep 02, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29282

Re: Umbrella insurance..who has it? Is it recommended?

In most states, retirement savings are protected against lawsuits. Something to keep in mind when figuring how much coverage you need.
by theplayer11
Sun Aug 26, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22007

Re: Did you celebrate when you finally hit $1m?

I'm close, but will not celebrate because the balance will fluctuate and the next day could dip below again...or with my luck, a 40 correction.
by theplayer11
Sat Aug 11, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Dublin, Where to stay?
Replies: 14
Views: 1337

Re: Dublin, Where to stay?

killjoy2012 wrote:
Sat Aug 11, 2018 7:37 pm
The Westin, Dublin.

https://www.google.com/maps/place/The+W ... d-6.258649
+1
by theplayer11
Wed Aug 08, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: SPG rewards....sucks?
Replies: 24
Views: 2836

Re: SPG rewards....sucks?

stay 4 nights, 5th free for Germany and Switzerland worked out great for us the last few years.
I don't consider 12k for a $200 hotel bad value...churn em and burn em..
by theplayer11
Tue Aug 07, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7454

Re: Minivan Vs SUV Experience

Key word being perception. SUVs make no sense (to me), for almost every situation; the most confusing being these "sporty" sport utility vehicles. They're essentially useless off the pavement, don't perform close to as well as an actual sports car, and often have little utilitarian value (their abi...