Search found 235 matches

by athan
Wed Apr 22, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 186
Views: 14372

Re: Optimizing PPP Forgiveness

We just received documents to e—sign our PPP loan. We will be closed for a few more weeks minimum and my employees are on unemployment. I would rather not accept this PPP loan until I open back up. Does anybody know how long I have before I need to e-sign? I’m trying to keep the 8 week clock from s...
by athan
Tue Apr 21, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 186
Views: 14372

Re: Optimizing PPP Forgiveness

We just received documents to e—sign our PPP loan. We will be closed for a few more weeks minimum and my employees are on unemployment. I would rather not accept this PPP loan until I open back up. Does anybody know how long I have before I need to e-sign? I’m trying to keep the 8 week clock from st...
by athan
Sun Apr 12, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 618
Views: 32609

Re: What are you listening to now

Pink Floyd, The Dark Side of the Moon Play the songs in the order they are on the album, especially these: Time, The Great Gig in the Sky, and Money. "I am not frightened of dying Any time will do, I don't mind Why should I be frightened of dying? There's no reason for it, you've gotta go sometime"...
by athan
Fri Feb 07, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Anyone watch the Amazon series “The Expanse”?
Replies: 50
Views: 5493

Re: Anyone watch the Amazon series “The Expanse”?

Definitely a fan. As a reader of the books, I found season 4 a bit disappointing. I think it's because I knew the overall plot line well, and it was more like just waiting for it to play out. For some reason I didn't have the same reaction on seasons 1 through 3. Totally agree. Season 3 was my favo...
by athan
Wed Dec 04, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8402

Re: Favorite stock(s) and why

"the drugs in their pipeline are excellent and second to none." I read up on this and agree but decided not to invest because in the best case scenario, that they cure cancer, I don't believe they should take (or governments would allow) huge profits." Agen: Agreed that best case scenario they cure ...
by athan
Mon Dec 02, 2019 6:27 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8402

Re: Favorite stock(s) and why

In my play account: 1. Tesla TSLA (I think Elon is a genius who cares more about humanity than personal gain) 2. Agenus AGEN (Small immuno-oncology company working on curing cancer. They have been around over 20 years, have low debt, and the drugs in their pipeline are excellent anf second to none. ...
by athan
Thu Aug 01, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 80558

Re: Talk me out of buying a Tesla Model 3

M3 is already taken by BMW. Maybe T3 would be better... Elon Musk wanted his car lineup to spell "SEXY" He started with Model S and X. Originally he wanted the Model 3 to be the Model E. However, Ford has some kind of patent on the Model E (even though this isn't a Ford car!) The Model Y suv will c...
by athan
Mon May 06, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 49
Views: 5127

Re: Buying a house without a realtor

Has anyone bought a house without a realtor? A kinda awkward situation developed (realtor with myself and another client and we both wanted to place an offer but the other client chose to place first). The realtor stated it would be a conflict of interest to represent both parties which I think is ...
by athan
Sat Apr 27, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: weber grills
Replies: 34
Views: 3281

Re: weber grills

I'm thinking of buying a weber propane grill to be able to cook for a family of 5 and occasional guests. There are way too many options so I wanted your input on how you guys went about purchases a specific model. I looked at the sprit line vs. the genesis line and even within those lines of grills...
by athan
Fri Mar 29, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 8294

Re: Anybody else get a huge tax increase due to SALT deduction changes?

It's weird how the news keeps saying that the middle class got stiffed while the rich gained, but around here it's just the opposite. The politicians in the high tax states keep complaining too, but it seems to mainly hit people in the higher brackets (and million dollar houses), which is not the m...
by athan
Fri Mar 22, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: When to increase house size with a growing family?
Replies: 43
Views: 3034

Re: When to increase house size with a growing family?

I'd start to consider moving to a bigger house. Get an agent, start looking around, get a feel for what you're looking for. You're not in a hurry, which is a great perk. You can and should be picky. Bunking is fine when they're little, but imagine as they grow, and become preteens and teens. 1250 s...
by athan
Thu Mar 07, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Which of these Online Savings Accounts (high-yield) are reliable?
Replies: 45
Views: 7305

Re: Which of these Online Savings Accounts (high-yield) are reliable?

Marcus by Goldman Sachs is currently at 2.25% and has gotten numerous increases over the last 6 months. Never had a problem with them. Surprised no one has mentioned them yet. Marcus is great. They seem to raise rates faster than most online banks. ACH in one day. Marcus is also running a promotion...
by athan
Thu Mar 07, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Which of these Online Savings Accounts (high-yield) are reliable?
Replies: 45
Views: 7305

Re: Which of these Online Savings Accounts (high-yield) are reliable?

Nickyg1478 wrote:
Thu Mar 07, 2019 12:21 am
Marcus by Goldman Sachs is currently at 2.25% and has gotten numerous increases over the last 6 months. Never had a problem with them. Surprised no one has mentioned them yet.
Marcus is great. They seem to raise rates faster than most online banks. ACH in one day.
by athan
Thu Feb 28, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Car Navigation System Update
Replies: 36
Views: 2533

Re: Car Navigation System Update

Also, IMO, in-dash Navi is vastly superior to phone-based one, based on my observation of friends using their phones to navigate
Come on now...you think your DVD is better than Google Maps?
by athan
Sun Feb 10, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Credit ID hacked, got $4900 T-Mobile bill
Replies: 36
Views: 4873

Re: Credit ID hacked, got $4900 T-Mobile bill

OP, this same thing happened to me except with Verizon. I only had to speak to someone in their fraud department once. The lady I spoke to asked me to send them a copy of a police report, which I had filed in my jurisdiction (in person -- went down to police headquarters and met with a fraud invest...
by athan
Sun Feb 03, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 17
Views: 1476

Re: Early Braces: Financial Strategy

As an orthodontist I obviously have a vested interest in the traditional treatment delivery system. I would definitely suggest you do you due diligence and visit a couple orthodontists for opinions. I am "conservative" with early tx and try to limit my cases to those that will result in "harm" if n...
by athan
Sat Feb 02, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 17
Views: 1476

Re: Early Braces: Financial Strategy

Different orthodontists have provided different opinions on whether "early braces" (i.e., jaw expander plus early partial braces) are needed for an 8-year-old child. A few say yes, a few say no. Conflict of interest is noted. Not looking for a medical opinion here but rather a financial one. At the...
by athan
Tue Jan 29, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Saying hello and hoping for guidance
Replies: 95
Views: 5527

Re: Saying hello and hoping for guidance

Please check the fees you are paying with your HSA custodian. Many of these companies will charge high fees monthly for certain account issues, such as: -a balance under x amount -paper statement monthly fee -etc Unfortunately these companies realize that many of their clients are employees of a com...
by athan
Tue Jan 29, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: Why do companies rarely issue new stock?
Replies: 45
Views: 3072

Re: Why do companies rarely issue new stock?

https://www.forbes.com/sites/johnnosta/2019/01/29/fintech-and-biotech-are-coming-together-to-transform-drug-development/#60a1d54d531b This small biotech company, Agenus, is looking to raise $100 million with Digital Tokens. This may be a new way to crowdsource funding without technically diluting s...
by athan
Mon Jan 28, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: BenefitWallet HSA - anyone successfully liquidated 100% of investments? (update: also transfer/rollover issues)
Replies: 77
Views: 7669

Re: BenefitWallet HSA - anyone successfully liquidated 100% of investments? (update: also transfer/rollover issues)

Update: The BenefitWallet checks arrived! Update: Saturday 1/26: Mailed BenefitWallet check + Fidelity deposit slip to Fidelity, all marked 60-day rollover. (Held back a very small amount in BenefitWallet HSA to pay any possible fees, like the upcoming 1/31 account fee, to prevent check from bounci...
by athan
Thu Jan 24, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Ideas for discounts at the orthodontist
Replies: 16
Views: 888

Re: Ideas for discounts at the orthodontist

I am an orthodontist, and I would probably give a slight discount, maybe 5% for late morning appointments. The problem is that your treatment is only a few months long anyway, so it really won’t make too much of a difference for the orthodontist. I would ask for a 5% discount. However, don’t be surp...
by athan
Wed Jan 23, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dentist fees
Replies: 70
Views: 5054

Re: Dentist fees

I just went to dentist for my kids . They needed a procedure for which the insurance will pay $2500 but dentist said they charge $4200 for that and we are responsible for the diffence amount that insurance does not pay, which is quite a bit . I personally Needed a procedure (non dental )and my phys...
by athan
Wed Jan 23, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard SIMPLE-IRA questions
Replies: 8
Views: 685

Re: Vanguard SIMPLE-IRA questions

We have a SIMPLE IRA at Fido for more than 10 years for our small business. With Fido, there are no fees now. Until 2 years back the only fees were $25 charged to employee per year or employer charged $400 per year. In our case, we let Fido charge employees as it was only $100 to $150 total (4 to 6...
by athan
Tue Jan 22, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 7839

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I am a long time NFL season ticket holder. Each year my home team picks a random season ticket holder to send to the Superbowl. Well guess what? A few years back they randomly picked me to go the Superbowl! I knew all season that I had won the tickets. My wife and I debated whether we should go beca...
by athan
Tue Jan 22, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1714

Re: purchasing a home and wondering if we have a good deal

Go to Bankrate.com and search for the best mortgage prices. My first house was financed through Chase. Since then I have learned a lot, and have figured out that the online companies are the least expensive by far. I recently used a company named Garden State Home Loans. Easy to work with and the l...
by athan
Tue Jan 22, 2019 11:16 am
Forum: Personal Investments
Topic: 2019 I-Bonds Purchase Now Or Wait For New Rates
Replies: 15
Views: 3138

2019 I-Bonds Purchase Now Or Wait For New Rates

I have $20,000 set aside to purchase IBonds for 2019. Right now the fixed rate is 0.5 and variable is 2.33 (overall 2.83). Should I wait for new rates in May? I use IBonds as an Emergency Fund, with $60,000 already invested from past years. Right now the $20,000 is sitting in an online account earni...
by athan
Tue Jan 22, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1714

Re: purchasing a home and wondering if we have a good deal

Go to Bankrate.com and search for the best mortgage prices. My first house was financed through Chase. Since then I have learned a lot, and have figured out that the online companies are the least expensive by far. I recently used a company named Garden State Home Loans. Easy to work with and the lo...
by athan
Sun Dec 23, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 8463

Re: What was your best investment in 2018?

Backyard patio and lighting on outside of house. I paid for it in October instead of putting money in taxable account.
by athan
Sun Dec 16, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 7099

Re: Should I buy a Tesla?

I test drove the Tesla yesterday, without a doubt I was impressed. I am now worried about Tesla’s ability to compete once other manufacturers start releasing comparable cars. The whole Tesla sales model frankly sucks. These guys want you to pay retail for their car but will buy your car for wholesa...
by athan
Sun Dec 16, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 7099

Re: Should I buy a Tesla?

I test drove the Tesla yesterday, without a doubt I was impressed. I am now worried about Tesla’s ability to compete once other manufacturers start releasing comparable cars. The whole Tesla sales model frankly sucks. These guys want you to pay retail for their car but will buy your car for wholesa...
by athan
Thu Dec 06, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Pilot Airbag Replaced/Now Having Car Issues
Replies: 3
Views: 441

Honda Pilot Airbag Replaced/Now Having Car Issues

Last week we had the passenger side airbag replaced at the Honda dealership, due to recall. 2011 Honda Pilot. Yesterday we started noticing the inside car lights would not go off when we shut off the engine and closed the doors. Today, my wife was driving and the lights went on and off as she went o...
by athan
Tue Nov 27, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 8124

Re: Employeer taking vacation days on public holidays - is this legal or normal?

Van wrote:
Tue Nov 27, 2018 5:50 pm
Dottie57 wrote:
Tue Nov 27, 2018 3:30 pm
I have to say the idea of “commission” for a Doctor is frightening as a consumer of healthcare.
+1
+1
by athan
Wed Nov 21, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

Re: 12 Month Short-Term Health Insurance

Yea...that list does scare me. Maybe I am better off biting the bullet and paying an extra $1,000/month for ACA Bronze.
by athan
Tue Nov 20, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

Re: 12 Month Short-Term Health Insurance

The availability of these plans can vary quite a bit by state. The National General plan is for 364 days (assuming you choose that option), they cannot cancel it after 3 months. Be aware that the NatGen plan does not cover any prescription drugs and has a max of $250 coverage for ambulance trips. D...
by athan
Tue Nov 20, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

Re: 12 Month Short-Term Health Insurance

The availability of these plans can vary quite a bit by state. The National General plan is for 364 days (assuming you choose that option), they cannot cancel it after 3 months. Be aware that the NatGen plan does not cover any prescription drugs and has a max of $250 coverage for ambulance trips. B...
by athan
Tue Nov 20, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

Re: 12 Month Short-Term Health Insurance

The availability of these plans can vary quite a bit by state. The National General plan is for 364 days (assuming you choose that option), they cannot cancel it after 3 months. Be aware that the NatGen plan does not cover any prescription drugs and has a max of $250 coverage for ambulance trips. B...
by athan
Tue Nov 20, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

Re: 12 Month Short-Term Health Insurance

The availability of these plans can vary quite a bit by state. The National General plan is for 364 days (assuming you choose that option), they cannot cancel it after 3 months. Be aware that the NatGen plan does not cover any prescription drugs and has a max of $250 coverage for ambulance trips. T...
by athan
Tue Nov 20, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118360

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I have existing HSA with Benefit Wallet. I’ve heard some pretty scary stories concerning closing out accounts there. Wondering what is the best procedure to do so. Has anybody successfully transferred and closed out account from Benefit Wallet to Fidelity? I also have an existing HSA with BenefitWa...
by athan
Tue Nov 20, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

Re: 12 Month Short-Term Health Insurance

No advice to give, but the thought of a per person max would scare me. My son and I were recently in an accident where the combined medical bills for the two of us were over $200,000 and that is just 1 night in the hospital and no surgeries. I would guess a stay in the ICU could hit $1 million quic...
by athan
Tue Nov 20, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

Re: 12 Month Short-Term Health Insurance

From my understanding the biggest concern would be understanding what they do and do not cover (they don't cover all the items that ACA compliant plans cover) as well as pre-existing conditions. I think that is the big concern. I think I would pay a little more to have the higher per person max als...
by athan
Tue Nov 20, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

Re: 12 Month Short-Term Health Insurance

Have you checked out United HealthCare plans? They have ones with $2Million Max coverage, $75 trips to Urgent Care, and a great network of doctors. 24% discount if paid up front, I did see the United HealthCare plans. They were slightly more expensive, and I did not see the $2M Max coverage on the ...
by athan
Tue Nov 20, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 21
Views: 1433

12 Month Short-Term Health Insurance

I am looking at 12 month short-term health insurance plans for 2019. The cost is approximately $300/month for a family of 4. Compare with $1400/month for ACA Bronze plan. I understand that the coverage is not as comprehensive, but if it is guaranteed for 12 months, I can always go back on an ACA pla...
by athan
Fri Nov 09, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Buy or Lease New Car (Small Business Tax Question)
Replies: 5
Views: 561

Re: Buy or Lease New Car (Small Business Tax Question)

How much will the car be legitimately driven for business purposes? I would drive it to work daily. In addition, it would be used to transport employees and business related material approximately once per week to different marketing events. Also, the occasional conference would be the only long di...
by athan
Fri Nov 09, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: Best Finance/Stock Market Films
Replies: 34
Views: 2130

Re: Best Finance/Stock Market Films

American Psycho

Patrick Bateman:
Ask me a question.

Daisy:
What do you do?

Patrick Bateman:
I'm into... well murders and executions mostly.

Daisy:
Do you like it?

Patrick Bateman:
It depends. Why?

Daisy:
Because most guys I know who work with mergers an acquisitions really don't like it.
by athan
Fri Nov 09, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4544

Re: aerobic exercise: rower vs. treadmill and elliptical

Concept 2 rower. Use it with good technique and increase slowly the intensity and time used. It will bring you punishment like you never imagined. I've never experienced the boredom factor many others have suggested. I listen to music via earbuds and zone out. Time goes by quickly and I feel the re...
by athan
Thu Nov 08, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Stock Delisted, what now?
Replies: 10
Views: 2071

Re: Stock Delisted, what now?

You can have OTC stocks in Vanguard brokerage accounts. I believe they charge a little over $50 to buy or sell. I could be wrong, but I currently own the stock AWLCF, which is a small energy company OTC. To buy it originally, I had to call Vanguard. Since the initial buying, I have been able to buy ...
by athan
Fri Nov 02, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Buy or Lease New Car (Small Business Tax Question)
Replies: 5
Views: 561

Re: Buy or Lease New Car (Small Business Tax Question)

How much will the car be legitimately driven for business purposes? I would drive it to work daily. In addition, it would be used to transport employees and business related material approximately once per week to different marketing events. Also, the occasional conference would be the only long di...
by athan
Fri Nov 02, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Buy or Lease New Car (Small Business Tax Question)
Replies: 5
Views: 561

Buy or Lease New Car (Small Business Tax Question)

I am looking at buying a Tesla in the next year or two. From a tax savings point of view, does it make sense to but through the business? Does leasing vs buying make a difference? I am assuming car insurance is much higher through the business, so maybe I should just buy the car personally. I have t...
by athan
Thu Nov 01, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4979

Re: 45% increase in marketplace insurance

8foot7 wrote:
Thu Nov 01, 2018 3:09 pm
LOL at whomever upthread said $35k a year in premiums and deductible is a "pretty good deal"
It's ruinous.
+1.
by athan
Mon Oct 29, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 80
Views: 6215

Re: Need Health Insurance (Non-ACA Options)

OP here, I just checked the ACA website, and there are less expensive options for PA based on 3 insurance companies this year, instead of two last year. Somehow I feel happy that I have the option of paying $17,000/year for a high deductible PPO, compared to last year's $21,000 (cheapest option) fo...