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NJ asks for the previous year’s 1040 if the stated income is irregular and not the typical recurring paycheck. That way they prevent one time ROTH conversions to fly under the radar and become assets as soon as they occur.

I was on Medicaid for 3 years and loved it. In my state there’s estate recovery so whatever subsidies I was receiving, will be fully repaid from my estate when I’m dead. In that sense it was not “free” health insurance (or a free ride for a millionaire) but a loan that covered the services. My...

I feel that a lot of what this suit is about revolves around Apple either doing certain things better or first. Which results in consumers choosing Apple over other options. iTunes and Apple Wallet are good example of Apple being on the vanguard of technology. When they first started selling...

DOJ will not only have to prove that Apple illegaly limited competition but also that consumers would be happier if changes were forced on the company. I’m not sure this will be particularly easy: you can switch to another phone if you like, it’s not as hard as DOJ alleges. I’ve gone through...

The total provider's charge is over 8k - my responsibility is 3k or so. I don't think it's an outrageous amount - I went to US based hospital ER, I'm not delusional. Having said that - I just don't think the care offered made any sense. Lesson learned.

"No" to all your questions (diabetes, cancers, gastro issues, family history, fever and all that). The hospital I attended is part of a larger medical center and they have my medical history documented in their system. I turned 60 last September and the abscess was right smack in the center of...

Seeking medical help was clearly my choice but as you yourself wrote: "ER's purpose to diagnose the patient's condition". It's not that my doctor was cautious - she was incompetent. Imagine you go to an ER with an acute lower back pain and end up with a spine surgery when a cortisone shot an a...

So it seems. I've only received several "explanation of benefits" aka This Is Not A Bill letters from the insurance. One the hospital sends the actual invoice I will look into disputing this whole ordeal.

Thank you. You're one of the several medical professionals that told me the same thing. I did try to avoid that scan altogether - and then asked if ultrasound could do the job if imaging was necessary - but they said they needed to find out "how deep" the abscess reached and it sounded plausible...

Lesson learned. Interestingly there was absolutely nobody else at the admission room and maybe two more people inside. On the side note, my last ER visit was in Chiang Mai in Thailand. I fractured my toe. That cost me $70. And my latest emergency dental visit in Buenos Aires was $12 + $11.50...

I obviously did spend time on internet trying to figure out what was going on but the information was swinging between: “use warm compress and it’ll go away” to “it can destroy you and your life forever, run to ER right now!”. I did the first, it didn’t help so I panicked and did the second. I’m...

That's exactly what I'm asking: were they trying to fleece me? Because if the message they were sending was, "you're an idiot and and we'd like to show you how expensive not using Google for you medical treatment is" then I think I got it and I would like to send a message to them by filing the...

I recently developed a quarter sized abscess right in the middle of my buttock. I went to ER and they insisted on doing abdomina body cat scan with contrast. I balked at first and asked about ultrasound but they insisted on the CT. I obviously have no clue what is and what is not necessary...

I get a new credit card every time tax is due - with one payment I hit the bonus that I later use to book a business flight somewhere. Yes, there’s an about 1.8% surcharge but it works for me.

I travel a ton so I mostly do my bloodwork outside of US. In most countries for a $100-150 you can do every test imaginable.

This is a common come back to Apple fanboys (which I admittedly am). But my point stands: they are investing in R&D, they diversify, they pay great attention to detail and quality, they respect the customer, they managed to elevate the retail experience to a cult-like level and their products...

A few years. I bought it shortly after Max 8 disasters thinking that after such a hard lesson, Boeing will completely change and come back stronger and better. I haven't lost money on it but whatever gains there were, they are not memorable.

I’ve just read a very good article on the subject: https://www.businessinsider.com/boeing-disaster-american-businesses-greedy-broken-stock-market-wall-street-2024-2 It’s that kind of thinking that led me to selling BA shares. Interestingly I’m also a big Apple stock holder and I couldn’t help...

I do read the news, like everyone else of course, but having 20–25 years left I really don’t care about anything except for what affects me directly. Global warming, Middle East, upcoming elections… my activism days are way behind me. How about you?

Yes. I know all that but as I mentioned in my original post, I just don’t like BA and that’s good enough reason for me to divest. My personal boycott.

You did the right thing. When purchasing computers you always go for the least expensive machine that would do the job. "Top of the line" stays on top for maybe 6 months so the bragging rights are definitely not worth the extra money - you'd just waste it for all that computing power that you'd...

I use points and miles and tend to be very flexible with when and where I go so I'm generally ok but finding a great deal is certainly not as easy as it used to be. Having said that I kind of enjoy booking routes that I wouldn't otherwise. Last year, instead of flying directly to Germany as I...

Yes. I agree with it 100%. I mean the logical part of my brain does. But as I mentioned, I got rid of them because I don’t like them.

I'm sure in 2-3 years we will all forget (again) how terrible QC is at that company but I just don't want to support them by holding their stock. Logically, I understand that you can't make these planes perfect: they would cost too much and require ticket prices to go way up. So 100-300 dead...

I'm about to get one so yes - Revocable Living Trust. The trust will be the sole beneficiary of my IRA (and probably foreign real estate). Then its content split among my heirs. For now I picked two random kids (a cousin's son that I've never met and a friend's granddaughter). And no, I 100%...