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lookingforward Senior Member

11,316 Points 6,460 Visits 24,522 Posts
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  • Re: ACA Health Insurance Open Enrollment for 2018 has begun!

    Yes, now seeing that. Here's an example,my bold.

    "The final premium tax credit will be calculated based on the household size reported on a person’s tax return, even if unexpected events mean that the return includes more or fewer dependents than projected. For example, a married couple has a projected household income of $35,000 (226% of the federal poverty line for a family of 2 in 2014) when their premium tax credit is calculated during open enrollment. But early in the year, the couple’s 21-year-old son loses his job and moves back home. When the couple files their 2014 tax return, they discover that their son can be claimed as a dependent. With the same income, their federal poverty line percentage is now based on a household of three and falls to 179% of the federal poverty line. This means their expected family contribution toward the premium is lower and their overall credit is higher. This family may get a refund for the additional credit amount. (If the family had reported that change mid-year, they could have received the higher premium tax credit in advance.)

    However, suppose the same family initially projected a household of three (parents and son) and claimed a premium tax credit for all three based on an income at 179% of the federal poverty line. The premium tax credit for the couple (both 40 years old) and their 21-year-old son is $7,145 per year (or $595 per month). But as of July 1, the son gets a job and his income is such that he is no longer a dependent for the tax year. The parents report this change right away and their premium tax credit is now recalculated based on a household of two. At the same income, their maximum annual premium tax credit for 2014 is $3,961. They have already received $3,570 for January through June. For the remainder of the year, they will receive $391 ($65/month)." http://www.healthreformbeyondthebasics.org/question-of-the-day/

    But, it seems they are not reporting him as a dependent in their taxes for that year. And noname and others would have that same option.

    I wanted to raise this because the instructions are so crappy an few examples cover more than divorce/custody and special allocating. When D1 got her job, we were not penalized, but I may have done some CYA.
  • Re: What do you think? Is a College Tour/ Visit on the day before Thanksgiving worth it?

    Some schools run clssses til noon on Wed, but you don't want to be looking just at kids who have late departures or are stuck there. Some buildings may close early.

    I remember one trip on a holiday where most of the campus vacated en masse. Those left seemed to have rolled out of bed just to go eat. It was hard for mine to envision life there.
  • Re: Random Questions

    There's no real going rate, customs vary by region and faith. But this is an interesting chat https://www.caring.com/questions/gratuity-for-funeral-minister-standard-donation

    I don't think your friend will necessarily put in 8-10 hours, and he may want this to be his loving contribution, his own gift of the heart. But if he's not associated with a church, not drawing income, maybe you find a nice way to word it, sending or bringing a check a few days after. We said something about how much we appreciated, how touched, and that we wanted her to be able to do something of her own choosing. In our case, we know it wasn't spent on herself, but donated to a small emergency fund she managed.
  • Re: NYC window Christmas displays?

    @kiddie We used to go same weekend, The tree is such a great sight, coming around a corner, in early evening.

    Tree Lighting Ceremony
    The 2017 tree will be lit for the first time on Wednesday, November 29 at Rockefeller Plaza. The tree will remain lit and on display on the plaza between West 48th and 51st Streets and Fifth and Sixth Avenues until 9pm on January 7. Each year, thousands crowd the sidewalks for the event and millions watch the live broadcast.
  • Re: Private or Public?

    Arden, though you've asked a number of similar questions in different threads, I'm glad you persisted. I have a feeling you're doing more right than you realize.

    The issue in NJ is that whether or not Pingry is uber competitive, so are many of the public high schools. Alas. We had a NJ poster who bemoaned just how fierce, how her child was squeezed by the volume of, let me call it, "Top Ten or Bust" sorts. Her D did well, though, as I recall, landing at a well respected top 50, one we often discuss positively on CC.