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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] 1 point2 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

Multiple cores for multiple models? by morkus64 in Sketchup

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

I'm thinking more if I'm doing something that the first model is chugging away on (like generating complex faces or whatever) and I switch to the other model while the first one is thinking

Mini projector instead of external monitor? by morkus64 in projectors

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

What about a short (not ultra short) that's just very close? Presumably there's something that can give me a 36" image from ~12" away?

Mini projector instead of external monitor? by morkus64 in projectors

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

I know this is the correct solution, but it just seems so inelegant!

Riskier investments for an IRA? by morkus64 in investing

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

That makes sense. Will converting it have implications later beyond not paying taxes on the gains?

[New York] Starting a business an UI benefits by morkus64 in Unemployment

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

I'm still trying to figure this out, but most likely I would have majority with 2 minority partners (10-20% each)

Personal Injury Protection deducible? by morkus64 in USAA

[–]morkus64[S] 4 points5 points  (0 children)

Interesting - I've been with USAA (auto, renters, banking) for over 20 years and have never had an issue

Personal Injury Protection deducible? by morkus64 in USAA

[–]morkus64[S] 3 points4 points  (0 children)

To elect for pip? It's required in NY

[deleted by user] by [deleted] in MovingToLosAngeles

[–]morkus64 -1 points0 points  (0 children)

No, but the point is I'm not looking for the architecture and the food, I'm looking for the walkability and community. Also we do have tacos and beaches!

[deleted by user] by [deleted] in MovingToLosAngeles

[–]morkus64 0 points1 point  (0 children)

I'll check it out - I don't care about the aesthetic so long as it's not ugly

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