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AnotherNewName

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Everything posted by AnotherNewName

  1. Yes, but I am over it. Next year is DH''s turn and if we don't start using a CPA that year, we will 100% be using one the one after.
  2. Humans are notoriously bad at risk assessments. Which while maddening in some ways, it is also why we have bungled our way all around this planet from pole to pole.
  3. Actually, that was a really good link which explains this situation really well. It could work similarly with a couple in care. Medicaid laws are well outside my expertise and the explanation about the penalty clears up what I was missing on how this could work.
  4. I am leery of this plan for a variety of reasons, but most importantly I don't believe in the end that it will protect the money for the estate. Note: I am not familiar with using a loan for this purpose, but it would seem this would be treated similarly to how Medicaid treats certain income producing annuities and other income producing assets. I *think* a legitimate loan would a considered an asset (an income producing one at that). To meet the IRS criteria for this to be a loan and not a gift (and I *think* the Medicaid rule would be similar based on how the Medicaid look back treats gifts but that is speculation on my part), you would have to be paying a market interest rate. That money would be treated as income for your parents and would be subject to being used to pay their expenses to offset what Medicaid is paying. Paying the money back via interest payments over X amount of time would diminish whatever would be left for the estate at the end, but again, *IF* Medicaid treats this loan like they would similar assets, Medicaid could claim the loan to offset what Medicaid has paid out in care. And now that I type that out, the loophole might be that the loan wouldn't have a cash out option like an annuity so maybe Medicaid can't get it for that reason? But I dunno...still feels sketchy to me. I say follow your gut and say no. If anyone tries to push you into a yes, please seek a second opinion from an attorney who specializes in estate law. As someone mentioned above, Medicaid *will* take a hard look at this loan so be careful.
  5. Generally, no, one (whether a spouse or not) cannot take out loan on property without the consent of the others named on the deed. The law aside, anyone issuing the loan would require the other spouse to sign that they have consented to the loan even if it is not being issued in their name.
  6. Why would a highly regulated, multi-billion dollar industry risk its profits on data acquired illegally that doesn't necessarily give them a significant benefit?
  7. Insurance companies which provide medical insurance are prohibited by federal law from using genetic testing to set rates or determine coverage. The Genetic Information Nondiscrimination Act of 2008 | U.S. Equal Employment Opportunity Commission (eeoc.gov)
  8. 1.) Not every future disaster is nuclear war. 2.) If someone is a prepper (I am not) having multiple, more easily storable items that can be used for future trade makes more sense than the plans most people make. Personally, *if* a large scale nuclear broke out, I personally have no interest in sticking around for the aftermath.
  9. Correct. In a world where resources are suddenly severely limited, those small comforts would carry a high value relative to their initial cost/storage space.
  10. Incorrect. Seeds are a valuable trade good and take relatively little storage space relative to future value. Same with the spices. Guns and ammo are dual purpose - protection and trade.
  11. FWIW if you are really worried about a future collapse, stockpiling heirloom seeds and bulk quantities of seasoning (along with guns and ammo) would give you more flexibility in a world of scarcity.
  12. Was that the fall spice one? I never tried it, but a friend's daughter loved that one and still gave the caramel crumble one a better review.
  13. Not to pile on CFA, but them adding that new caramel crumble milkshake to the seasonal menu was also a cheap shot.
  14. At the high school level the punter and kicker are often the same player. The exception being at larger high schools. Punters and kickers would have to do some tackling/hitting drills for safety reasons, but they typically do not do as many.
  15. I like the mint ones, but last Christmas I dipped some in chocolate and *loved* the mint ones.
  16. I am fairly certain the games in GA will be canceled this weekend.
  17. It definitely varies by location. At the Kroger nearest us, we maybe get 5-6 options. The one next closest is usually 7+. And then last week we were in one that must have had 12+.
  18. But again, the FD didn't do what you seem to think it did. It did not prevent programming like Limbaugh.
  19. That is a common misunderstanding of what the Fairness Doctrine did. The FD was overly vague and meeting the standard was not difficult, and there never was an equal time or even format provision for differing views. I do agree our current cable programming has led to a significant increase in polarization, but the cable programming would have been exempt from the FD even if it still existed.
  20. You say for four months - consecutive or more sporadic? Like May-September 4 months, or January, March, July, September four months? I don't know about the AT&T specific plans, but we have had to use a prepaid as a backup for various reasons. We used Straight Talk (now part of Verizon I think?) and would just buy a card and load it when needed. The phone would then be good for 30 days. If you will use it in consecutive months, you can buy cards which last 60 or 90 days. So in short, yes what you are planning should work. You just need to figure out what you need and the most cost-effective way to keep minutes/data loaded on the phone.
  21. The biggest reason is most wishing to enter the country do not meet all the requirements for asylum. Asylum was never intended as a bypass for those seeking immigration for economic reasons. Obtaining Asylum in the United States | USCIS
  22. I am still stuck on "oh brother" and "oh man" being considered gendered terms. I understand "mankind" and "businessman" (although businessman is often correct in context) but policing general expressions seems to be on same the level as PETA wanting to replace "bring home the bacon" with "bring home the vegetables" levels of absurdity.
  23. Poorly planned/executed doesn't mean there wasn't effort made in planning. It just means she isn't very good at it.
  24. Based on the amount of planning she put into this I can't see how this can now be written off as some kind of mental breakdown.
  25. Why would there be a hoax vibe from the family? There is no reason to believe they are involved. I am not sure this is even a hoax as much as someone having some kind of mental breakdown, in which case I can see the family continuing to believe the story she is telling. However, the information we have starting from the unlikely abduction scenario to the mysterious return on foot (and the lack of police comment afterwards regarding information about the alleged abductor) certainly provides enough clues to reasonably conclude that something is amiss.
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