Author: Adrienne Roman

Chat Log   C:\Users\dschu\Documents\GoToMeeting\ChatLog The Breakfast Club of NJ _ 11_14_2020 2020_11_14 10_03.rtf

Haresh Keswani (Private): 8:14 AM: Good Morning
Haresh Keswani (Private): 8:14 AM: I'll need 30 secs for groups.io announcement
Valerie S Williams (to Everyone): 8:16 AM: Good morning everyone
David Schuchman (to William LaChance): 8:17 AM: You are in "Presenter" mode
Haresh Keswani (to Everyone): 8:17 AM: Good Morning Valerie!
David Schuchman (to William LaChance): 8:19 AM: You are in "presenter" mode. We see your next slide to the right of the current slide.
Jay Lefever (to Everyone): 8:19 AM: When I was out, I did a Health Share, which worked out nicely for me.
Valerie S Williams (Private): 8:20 AM: Good Morning David.  
Valerie S Williams (Private): 8:21 AM: Would you like to tell Bill that he's showing his notes window and not the presenter window?
Hal Katzen (to Everyone): 8:22 AM: what happens when the projected estimated income is below the prior year AGI particularly if you go on STD or LTD disability?
Valerie S Williams (Private): 8:23 AM: He can switch w/out stopping.
Alicia Schwarcz (to Everyone): 8:25 AM: They moved to a NJ portal for next year, will this change the process? Have you heard any feedback?
Stephen Bertolini (to Everyone): 8:31 AM: The cost sharing restriction to Silver plans is ACA and applies in all states?
Philip Gabriel (to Everyone): 8:31 AM: Phil Gabriel, IT Financial Analyst, preparing budgets, forecasts & financial reports for IT operations, I would like to connect with other finance professionals to discuss job search https://www.linkedin.com/in/philipgabriel	

Joe Levinson (to Everyone): 8:33 AM: Joe Levinson
Embedded Software / Electrical / Computer Engineer
jelevinson@aol.com
https://www.linkedin.com/in/joelevinson
Do you develop new embedded computer hardware?
I'm the one that make your new embedded solutions work.
I have come up with innovative ways to make new hardware work saving over $500K and 6 months of schedule by not
  having to change / re-engineer a chip in the hardware.
I have worked with numerous embedded soultions with and without operating systems.
What is your latest embedded problem?
Hobbies: Caving, Hiking, Skiing, Motorcycles,
         Photography (Cave photography and traditional darkroom)
Sam M Cohen (samC@ieee.org) (to Everyone): 8:38 AM: The IRS announced an increase in health savings account (HSA) contribution limits for the 2021 tax year.  Here is what you need to know about the HSA contribution limits for the 2021 calendar year:

An individual with coverage under a qualifying high-deductible health plan (deductible not less than $1,400) can contribute up to $3,600 — up $50 from 2020 — for the year to their HSA. The maximum out-of-pocket has been capped at $7,000.
An individual with family coverage under a qualifying high-deductible health plan (deductible not less than $2,800) can contribute up to $7,200 — up $100 from 2020 — for the year. The maximum out-of-pocket has been capped at $14,000.
And remember, if you are age 55 or older, you can contribute an additional catch-up contribution of $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.*
Hal Katzen (to Everyone): 8:38 AM: is employer supplied disability income considered earned income?
Carol McCullagh (to Everyone): 8:39 AM: Good morning. I am Carol M McCullagh, PhD; looking for a President/COO position in the diversified industrial sector; willing to relocate from NJ; mccullaghcarol@yahoo.com; www.linkedin.com/in/carolmc; Targets are Allegion, Trane Technologies, Johnson Controls, Raytheon Technologies. Any contacts appreciated - especially ex-employees, suppliers, customers.

Carol McCullagh (to Everyone): 8:40 AM: To register for the November 21 Careers in Transition (CIT, <https://www.christchurchshorthills.org/parish-life/church-fellowship/careers-in-transition1/>) meeting with 2 parallel sessions: General discussion and individualized Resume Review.  All are welcome.  Must register before   Friday 11/20 4 PM to get the Zoom link late 11/20 or very early 11/21: https://docs.google.com/forms/d/e/1FAIpQLSdixw9sWuOVUkACon_LioMt3xdw79v94u-fmjYRmrD-Hx9H1Q/viewform

Peter Carlone (to Everyone): 8:40 AM: Hello Everyone,

My name is Peter Carlone, and I'm a Technology Manager specializing in Change/Release Management and  ITSM Process Improvements, while delivering strategic and process transformations resulting in major cost reductions and improved IT efficiency.

 pcarlone22@aol.com <mailto:pcarlone22@aol.com>
 https://www.linkedin.com/in/pcarlone

Gina Swanson (to Everyone): 8:42 AM: Hi everyone.  I'm looking to connect with people in the healthcare field, preferably in the administrative or recreation departments.  I have Activity Director Certification and 10 years of experience working with the elderly.  Look me up at https://www.linkedin.com/in/gina-swanson-ms-adc-cdp/
Alicia Schwarcz (to Everyone): 8:43 AM: Will you have to declare the $1200+ as income?
Hal Katzen (to Everyone): 8:44 AM: so you contribute to an IRA with that type of income
Valerie S Williams (to Everyone): 8:45 AM: Good Morning.  I'm Valerie and a Project Manager in Central NJ currently working in Pharma.  I would love to connect and share my network.  Look for me on LinkedIN as Valerie S Williams (don't forget the 'S') https://www.linkedin.com/in/williamsvaleries/
Nancy Aronson (to Everyone): 8:47 AM: 😄🎨😄😄🎨😄
Hi, I'm Nancy Aronson, software developer, problem solver, and virtual background creator.

I'm a generalist who's never met a technology problem I couldn't solve with a knack for finding those hard to find defects, and I can reverse engineer code in any language. I've worked in Banking, Supply Chain, Fashion, Government, Insurance, and Accounting.

I also own Iggie's Curiosity Shoppe, a brick & mortar shop at the Brownstone Mill in Midland Park, NJ, paint abstracts, make colorful polymer clay jewelry, pins, and cufflinks, and love seeing live comedy and music!

Happy to connect and help!

https://www.linkedin.com/in/nancykrullaronson
nancykrullaronson@gmail.com
https://qrco.de/Iggies
😄🎨😄😄🎨😄
David Schuchman (to Everyone): 8:47 AM: Bill LaChance's Contact Info
bill@wjladvisors.com
973-216-8748

DONALD NOESNER (to Everyone): 8:54 AM: Hello everyone.  My name is Donald Noesner, an IT Middleware Engineer with a background in the Financial industry.  Happy to connect on LinkedIn to help each other.  https://www.linkedin.com/in/donaldnoesner
Sam M Cohen (samC@ieee.org) (to Everyone): 8:55 AM: Can Roth conversion wait until the following year, as we can with IRA contributions? That way we "know" if it makes sense, and how much? 
Alicia Schwarcz (to Everyone): 8:56 AM: what's the minimum for creating a roth?
James Mohan (to Everyone): 8:59 AM: Good Morning.  My name is Jim Mohan.  I'm a Business Intelligence Engineer with IDT in Newark providing data and reports to the company's business units.  Things have been uncertain at work for a while and I'm in the process of making a transition to data science by taking courses on Tableau and Python through Coursera and Udemy.  I'd like to broaden my network and I'd be happy to help you all in any way I can.  My contact info:  Home Phone 732-634-1971 Cell 732-947-7331 Email:  JMohan3928@aol.com LinkedIn https://www.linkedin.com/in/james-mohan/ 
Shai Lavie (to Everyone): 9:06 AM: Good morning everyone. My name is Shai Lavie, I'm an IT & Business leader, helping business leadership grow and improve operational and IT processes and systems. 
If you need help during these interesting times - questions, suggestions, referrals, resume or LinkedIn assistance - I am here to help! 
Shai Lavie 
https://www.linkedin.com/in/lavie/
Jay Lefever (Private): 9:06 AM: I was wondering if there is a better way to handle all of the information that people are posting in teh chat window. It might make it hard to sort out that information as a opposed to questions for the speaker. Should we go back to elevator pitches, but over video?

David Schuchman (to Jay Lefever): 9:08 AM: Normally, I ask people to place the word "Question" in front of their question. That highlights questions. I forgot to metion that this morning.
Jay Lefever (Private): 9:09 AM: I do miss the pitches though
David Schuchman (to Everyone): 9:09 AM: Please put the word "Question" in front of your question. That will make sure we do not miss your question when other people make other comments/intros.
Paul Peyton (to Everyone): 9:10 AM: Hello everyone, I am Paul Peyton. I am a newspaper editor/journalist currently in transition after 15 years with my last employer. I am looking for opportunities in print and online publications as well as communications roles in state or county government, trade associations, universities/polling institutes, hospitals, and nonprofits. pauljpeyton@gmail.com <mailto:pauljpeyton@gmail.com>, <http://www.linkedin.com/in/paulpeyton86>

Roni Strum (to Everyone): 9:12 AM: Question:  Re - separating from company at 55 or over -  can you withdraw money without 10% penalty from any 401K or 403B that you have?  (versus only from the company that you most recently separated from)
Roni Strum (to Everyone): 9:13 AM: Thank you
Mark Schwartz (to Everyone): 9:15 AM: Good Morning everyone - Mark Schwartz.  I am  business operations leader from the Construction/Engineering industry, Currently the Diretor of Operations for a Real Estate Investment/Management Company.  I have an extensive background in IT, Accounting/Financial, Fleet, Facilities and Risk Management. Feel free to connect with me on LinkedIn at: https://www.linkedin.com/in/-markschwartz/
email - mschwartz402@gmail.com
732.614.0224 

David Schuchman (to Everyone): 9:17 AM: PSG of Mercer County meetings are virtual
Each Friday at 10:00am
November 20 meeting:
   Colleen Ferrary
   "Rise Above The Competition: An interactive lesson on interviewing"
No need to register - just show up
Event calendar: https://www.psgofmercercounty.org/p/event-calendar.html

Bruce Wentworth (to Everyone): 9:19 AM: Hello all, Bruce Wentworth in Ewing NJ. I am an IT Business Analyst working on a contract at Merck that should run into early 2021. Glad to connect and share my network.
https://www.linkedin.com/in/brucewent/
Sam M Cohen (samC@ieee.org) (to Everyone): 9:20 AM: Good morning, I’m Sam M Cohen.  I am an IT leader, seeking my next opportunity to add value for an organization.  I focus my efforts in the following areas:
§	Disaster Recovery
§	ITxM processes and tools
§	Policy development and program creation/execution
§	Enterprise systems
§	Project, Product and Program management
§	Transformations

I also consult through my firm, XRG1 LLC - <https://www.xrg1.com>
More important, I am happy to network to assist - I am here to help.
Most important in these unusual times, be safe and well.
Sam M Cohen
Lead Consultant, Owner and Founder
XRG1 LLC <https://www.xrg1.com/> 
+1.732.361.7126
samC@ieee.org
@samMcohen 
<http://linkedin.com/in/samMcohen1>
"Accept nothing less than success"

Deborah Takash (to Everyone): 9:21 AM: 

Good Morning everyone ...
Let me show you how Intelligent your Data can be!
|░░░█| Deb Takash
|░░██| Database Developer 
|░███| BI Analytics Specialist
https://www.linkedin.com/in/debtakash
Looking to network and share my Database and Analytics development expertise in a BI or Data Science Role.
Mark Schwartz (to Everyone): 9:22 AM: Question - What do you think about 401ks that charge a lower fee, about .4% but have a $4 per account charge?
David Schuchman (to Everyone): 9:26 AM: Bill LaChance's Contact Info
bill@wjladvisors.com
973-216-8748
Carlis Ragland (to Everyone): 9:27 AM: Thanks! Good Stuff!
Marla Camins (to Everyone): 9:27 AM: Thanks for a great presentation!
Valerie S Williams (to Everyone): 9:28 AM: Question: AnoACC / NJ option: Do you have to switch to the NJ plan?
Joe Levinson (to Everyone): 9:28 AM: Excellent presentation.
Valerie S Williams (to Everyone): 9:28 AM: Per the ACA NJ Option, I meant.
Alicia Schwarcz (to Everyone): 9:29 AM: Thank you so much! Very informative.
William LaChance (to Everyone): 9:29 AM: Valerie, I am not sure about your question. Feel free to call me.
Nancy Aronson (to Everyone): 9:29 AM: Hi Alicia!
Marla Camins (to Everyone): 9:29 AM: Good morning everyone! Hope everyone is well. If you'd like to connect, please feel free to reach out to me via linked in at marlacamins.com
Sam M Cohen (samC@ieee.org) (to Everyone): 9:29 AM: Thanks Bill!
Roni Strum (to Everyone): 9:30 AM: Thank you Bill
Valerie S Williams (to Everyone): 9:30 AM: Is the NJ option a replacemenet for the ACA so we have to sign up w/ that plan?
William LaChance (to Everyone): 9:30 AM: Yes, you need to sign up through Get Covered NJ instead of healthcare.gov. I can help with that if you want.
Valerie S Williams (to Everyone): 9:31 AM: Ok.  Thanks.  I don't want to have to change my Drs nor my plan which I like very much.
Philip Gabriel (to Everyone): 9:32 AM: I forgot how to save the chat. Anyone?
Mark Schwartz (to Everyone): 9:33 AM: Question Bill - what do you think about the health care carriers calling directly for a renewal ?
Roni Strum (to Everyone): 9:33 AM: (On Mac) Go to menu at top of screen - File - Save Chat
William LaChance (to Everyone): 9:35 AM: Mark, I did not realize they were doing that.
James Mohan (to Everyone): 9:40 AM: Forgot how to save chat on Windows.  Anyone?
Joe Levinson (to Everyone): 9:41 AM: https://www.amazon.com/Ceiling-Control-Treatlife-Assistant-Schedule/dp/B086PPRWL7/ref=asc_df_B086PPRWL7/?tag=hyprod-20&linkCode=df0&hvadid=416691446321&hvpos=&hvnetw=g&hvrand=10608239382589472333&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9003655&hvtargid=pla-912682155520&psc=1&tag=&ref=&adgrpid=97957278150&hvpone=&hvptwo=&hvadid=416691446321&hvpos=&hvnetw=g&hvrand=10608239382589472333&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9003655&hvtargid=pla-912682155520
Paul Peyton (to Everyone): 9:42 AM: Bill, Great presentation. I just signed up through Marketplace for a plan with help of a insurance broker from ex employer so this was very useful. 
Shai Lavie (to Everyone): 9:43 AM: here's another one George: https://www.amazon.com/dp/B08FQL6R42
Valerie S Williams (to Everyone): 9:44 AM: https://marketplace.pseg.com/
Mark Schwartz (to Everyone): 9:47 AM: If you are a NJNG Customer, they are giving away free Nest thermostats for your home. https://www.njresources.com/news/releases/2020/njng/20-21njnggooglethermostat.aspx

Valerie S Williams (to Everyone): 9:48 AM: That's one thing I miss about the office, i.e. the standing desk.
Sam M Cohen (samC@ieee.org) (to Everyone): 9:51 AM: https://www.poweredbyefi.org/njng/featured-products/smart-thermostats/google-nest.html
Jay Lefever (to Everyone): 9:55 AM: I picked up a standing desk from IKEA a while back, but I regretting getting thw manual crank instead of the electric motor.
Scott Boudreau (to Everyone): 9:55 AM: Hello everyone | Scott A. Boudreau, CPIM |Supply chain professional located in Central New Jersey | Certified in Production and Inventory Management | Production Planning | Inventory Control | Material Management | Quality Systems | Please connect with me at <https://www.linkedin.com/in/scottboudreaucpim/> | sboudreaucpim@gmail.com <mailto:sboudreaucpim@gmail.com> | Hope you enjoy the meeting and please connect with me via Linkedin.

William LaChance (to Everyone): 9:58 AM: I have to run. Thanks everyone!
Nancy Aronson (to Everyone): 9:58 AM: Thanks Bill! 
Mark Schwartz (to Everyone): 10:00 AM: Thanks everyone! 
Gerald Peyton (to Everyone): 10:02 AM: Wanted to wish everyone a Happy Thanksgiving. 
Sam M Cohen (samC@ieee.org) (to Everyone): 10:02 AM: Have a happy and safe Thanksgiving