See likes

See likes given/taken

Your posts liked by others

Pages: [1]
Post info No. of Likes
Re: Obamacare Master thread
You are correct in stating that tax credits are not available to people who have a Catastrophic plan, but for those who aren't eligible for tax credits and are young and healthy, Catastrophic plans are often a very good choice due to low premiums and a straightforward structure (high deductible, and then everything covered).

For those who are young and healthy and do qualify for a tax credit (as most marketplace enrollees are qualified), they'd in the vast majority of cases be better off with a Bronze plan than Catastrophic, as the former will be less expensive after the credit.

Interestingly, in many states now the Gold plan is less expensive than the Silver plan since the insurance companies are required to give CSR discounts to lower income Silver plan members and the Federal government recently stopped paying them for those discounts so they built it into the Silver premium.

February 17, 2019, 03:53:35 PM
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: Which is your preferred Internet Browswer? Tor Browser.
March 28, 2019, 11:10:33 AM
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
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 anybody recommend an efax service for free! Some other options worthwhile considering: Free fax number, free incoming faxes up to 10 pages per month. You can fax twice a day for free; you cannot receive faxes -- unless you pay their monthly fee. $59.40/year for 500 pages/month (in or out).

Non-eFax services that can be configured for faxing. (Their main service is calling.) $1/month for a number under their Dollar Plan, good for unlimited incoming faxes. $1.99/month for a fax number.


April 22, 2019, 12:25:41 AM
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
Re: google voice help You could even use any old unused Sprint phone (or even just an unused IMEI) and port the landline to Ting's CDMA service in order to get the number to GV.
June 12, 2019, 03:24:50 PM
Re: Need help finding a cellphone plan? Post here! US edition (Master thread) Tello significantly lowered the prices for their monthly plans yesterday.
June 12, 2019, 03:26:25 PM