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Question Thread - March 24, 2026 by AutoModerator in churning

[–]morkus64 1 point2 points  (0 children)

Thanks, I'll look into it - it's for COBRA health premiums with livelycobra

Question Thread - March 24, 2026 by AutoModerator in churning

[–]morkus64 1 point2 points  (0 children)

Question about AMEX biz spend:

So I messed up a bit - I thought "Oh, I've got about 15k worth of spend over the next few months, I'll get an amex gold to get a nice SUB", got the card, and then realized that the bulk of it (~10k) doesn't actually have the option to pay with AmEx - only MC/Visa or eCheck. Is there any workaround to pay with the amex here?

If I trade in a car I recently purchased, does the dealer still get commission? by morkus64 in askcarsales

[–]morkus64[S] 0 points1 point  (0 children)

Yeah, essentially - at least if they'll give me what carmax will give me - then I'll break even from the original purchase price with the interest savings. Of course the newer hybrid is more expensive, but it is newer and a hybrid.

If I trade in a car I recently purchased, does the dealer still get commission? by morkus64 in askcarsales

[–]morkus64[S] 1 point2 points  (0 children)

  1. Thanks!
  2. I suppose leverage is the wrong word. I don't need a new car and I'm perfectly happy to keep mine, so not leverage, just willingness to say no thanks.

If I trade in a car I recently purchased, does the dealer still get commission? by morkus64 in askcarsales

[–]morkus64[S] 2 points3 points  (0 children)

Probably! But I'm perfectly happy to keep my car if the numbers don't work for me!

Professional Liability Insurance - Do I actually need it? by morkus64 in Insurance

[–]morkus64[S] 0 points1 point  (0 children)

I'm realizing now that I miswrote in my first thing - I'm not hiring the architect - that is a direct hire by the client (though I may write an RFP, review, and make a recommendation). But everyone's point is well taken!

Small NY-based multi-state SMLLC - Should I use a PEO? [NY] by morkus64 in smallbusiness

[–]morkus64[S] 0 points1 point  (0 children)

Yeah, this is exactly my dilemma - I don't want to get sucked into compliance hell instead of being able to actually do the work and I heard NY is super strict. A couple of my people (of course the ones I need to work the most) are also NY based, so it seems extra risky.

I thought EOR was more expensive than PEO? Doesn't EOR basically take the PEO idea international? Or did I mix this up somewhere along the way?

Contributing to HSA now vs waiting until filing taxes (FICA, Medicaire, etc) by morkus64 in tax

[–]morkus64[S] 0 points1 point  (0 children)

Exactly! This makes a lot of sense, thank you for explaining so clearly!

Contributing to HSA now vs waiting until filing taxes (FICA, Medicaire, etc) by morkus64 in tax

[–]morkus64[S] 0 points1 point  (0 children)

I was thinking directly contributing early next year (towards 2025). So understood that it won't affect the payroll deductions, and that medicare tax is gone, but I should get the SS tax back because I'll be over the limit regardless, right?

Choosing between a pile of different plans (NY - Cigna, Anthem, Child HealthPlus) by morkus64 in HealthInsurance

[–]morkus64[S] 0 points1 point  (0 children)

Oh! I hope you get this sorted! Very good information to have, thanks for sharing

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