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Re: Obamacare Master thread
Wow! I missed that I thought they didn't let Trump end the csr payments. Basically the insurance companies are getting the csr payments by inflating the price of the silver plan..Wish they they would just inflate it a bit more so you can get bronze or gold for free! I wonder if it's costing the government more as many people that are not eligible for csr but eligible for the tax credit, are now getting a larger tax credit based on the inflated silver plans...

Actually that's exactly what's happened. Because they raised the premiums on Silver, it raised the APTC for everyone, even those on other medal color plans. And the government effectively didn't save anything by stopping payments for the CSR, and in fact may be paying more now, as a result of its increased costs for the higher APTCs. Essentially, most people who get an APTC benefited as a result of this. The only ones who lost out where consumers on Silver who do not receive any APTC.

And Bronze, as a result of this, indeed has now become free for many across the US. And Gold is sometimes less expensive than Silver, since only Silver saw the premium increases as a result of the government no longer paying for the CSRs.

March 03, 2019, 07:17:30 PM
Re: Optimum internet
whats their phone number ?
The main Optimum customer service number. When the automated system asks say you want to "cancel service" (and you're "not moving".)

March 29, 2019, 11:13:30 AM
Re: google voice help
Texts from one specific sender to my GV number have not been forwarding to my email since January. All other senders work fine. Any idea how to debug this? When I visit they show up, but not in my email account.
Check spam. The issue may be on your email provider side.

April 02, 2019, 01:14:57 PM
Frum WhatsApp Groups How can folks find frum WhatsApp groups? It seems almost impossible to locate (unless you happen to know someone in one already.)

Please share invitation links to such groups or other information helpful in finding and joining frum WhatsApp groups.

Ride sharing and Dvar Torah groups seem to be the most prevalent general frum groups. But information on other types of groups, such as political, news or halachic discussion groups, would be especially useful.

P.S. You can also share information on joining frum groups on other platforms (such as Telegram, etc.), but given its dominance WhatsApp groups would be must useful.

April 07, 2019, 11:36:41 AM
Re: Moving Violation Tickets
+1, though the strategy is generally to push it off so much, so that by the time one is found guilty, the points are ready to fall off almost as soon as they appear (they aren't there until one is found guilty).
With moving violations there's two issues regarding points. 1) How the state DMV treats it regarding potentially suspending or sanctioning your license based on the accrued points and 2) How your car insurance carrier treats the points. They are essentially two different issues.

Regarding 1. with the DMV, in New York (and probably most states) the DMV looks backwards to the the date the violation was issued. If within any 18 month period the driver accrued too many points, the DMV will suspend/sanction his license. Even if violation was only found guilty three years after the violation date (i.e. the date the driver was pulled over), if retroactively that means three years ago the driver accrued enough points (within the 18 month window the ticket was issued) to be suspended, the DMV will suspend the license now after it was found guilty. Even though there were no other violations in the last three years (in this example.)

Regarding 2. with the insurance carriers, most insurance carriers in NY use the date of conviction and not the date the violation was issued to determine how they penalize the insured. i.e. higher premiums, dropped coverage, etc.

So, at least in theory, delaying a guilty verdict for any amount of time in New York does not help the motorist.

Now, it seems a minority of insurance carriers still use the date the violation was issued and not the date it was found guilty. That was originally how all NY automobile insurance carriers handled it until about eight or nine years ago. (Which is why many people still think it helps to delay a guilty verdict, as that used to be true.) So if your insurance still treats it the old way (and AFAIK none of the major brand name carriers still do that), it indeed does help to delay a guilty verdict.

But it still doesn't help with the DMV points and potential suspensions, in any event. (Unless the ALJ who rules on the tickets guilt specifically waives the points for such an old ticket. A good lawyer can help in that regard.)

April 08, 2019, 07:53:24 PM
Re: Can someone who has the TrueCaller app do a search for me?

Google: CNAM lookup

There's a few free ones out there.

May 15, 2019, 01:27:15 PM