Search found 170 matches

by chessknt
Sun Jul 14, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Relocated, No Bank Branch, and Need Earnest Money Check
Replies: 13
Views: 583

Re: Relocated, No Bank Branch, and Need Earnest Money Check

Use online bill pay and send it to escrow, it will get there by mid week. Earnest money is usually not time critical don't overthink it.
by chessknt
Sun Jul 14, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: Short term treasury
Replies: 9
Views: 793

Re: Short term treasury

Bond funds can lose value, individual bonds do not but lack liquidity. Savings account is more liquid than bonds but has upside of better interest rate than checking which is why most go this route
by chessknt
Sat Jul 13, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car: 0-interest loan over 15 months, or buy in cash
Replies: 32
Views: 1808

Re: Buying a used car: 0-interest loan over 15 months, or buy in cash

Take the free loan. I think people on this forum vastly overestimate the complexity of scheduling a monthly payment. As long as your monthly cash flow is not tight a 0% loan is a no brainer.
by chessknt
Fri Jul 12, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3279

Re: Going to law school question

I'm surprised noone mentioned it--if passing the bar is all you nerd there are a few states that dont even require a law degree to try to take it if you think you can study hard enough to pass it without the degree you don't care about.
by chessknt
Thu Jul 11, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: choosing a contractor
Replies: 8
Views: 624

Re: choosing a contractor

I would think if one of the contractors has shown that they are not responsive that would be a red flag unless the job is expected to be completed in one day and there is a bonded insurance company you can file a claim against if there is a problem they don't respond to.
by chessknt
Thu Jul 11, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 50
Views: 6231

Re: Got mugged in London...Phone stolen...what else do I need to do?

Did it have no screen lock? I would assume the guy is just going to wipe it and sell it rather than commit mission impossible level financial crimes and identity theft against a random target of opportunity whose bank balances could be 3 figures for all he knows.
by chessknt
Tue Jul 09, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 3542

Re: How to obtain contracted rates for medical procedures?

I have had the same frustration trying to be an informed consumer . Me too !!! it is even doubly frustrating and confusing because there are both the financial aspects and the health/medical aspects - and often the two are intertwined. One example is certain medical tests, scans, etc. Your doctor w...
by chessknt
Mon Jul 08, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 3542

Re: How to obtain contracted rates for medical procedures?

Do you mind sharing with us what the specialist visit is about? I assume there is a procedure? Context might help generate some actionable ideas. Initial pediatric cardiology consultation. Kid has a (likely innocent) heart murmur. One of those things that 99% of the time is nothing to worry about, ...
by chessknt
Mon Jul 08, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 3542

Re: How to obtain contracted rates for medical procedures?

Depending on what you are getting done this may not be possible. Examples: 1-having surgery/procedure done? Anesthesia/pathology are different departments with different rates plus if a complication occurs the price changes. 2-having a consult for a medical problem? Specialist will have no idea what...
by chessknt
Sun Jul 07, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be applying the money I am saving towards homes principal or am I doing it right by saving it?
Replies: 21
Views: 2916

Re: Should I be applying the money I am saving towards homes principal or am I doing it right by saving it?

Complicated question that you didn't supply enough information to answer. Generally speaking you are going to come out ahead applying extra money toward your mortgage principal since most don't deduct home loan interest from federal taxes any more and the rate will almost certainly exceed any saving...
by chessknt
Sat Jul 06, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Credit Union paid out on a stopped check from 2017
Replies: 32
Views: 1935

Re: Credit Union paid out on a stopped check from 2017

So what is the best course of action to take if you want a check that is no longer in your possession to never be cashed if a stop pay doesn't work past 6 months? Close the account?
by chessknt
Tue Jul 02, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 27
Views: 4509

Re: Pursued the wrong career?

From an academic side why not throw yourself in to a smaller pond that is looking to develop their research front in your field? As a new guy from a big name you will probably get treated a lot better and supported as well.
by chessknt
Tue Jul 02, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

OP here. Thank you all for the responses and good wishes for my wife. She is doing great. In fact she recently did the second required surgery for reconstruction. Hopefully we will not have any problems with the upcoming claims. We have a lot of appreciation for the doctors that participated in the...
by chessknt
Tue Jul 02, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 7576

Re: Big Hospital Bill - Anyway to negociate ?

Do you have a coinsurance requirement/is this a high deductible plan? Is it actual insurance or health cost sharing plan? Are you actually unable to pay or just don't want to?
by chessknt
Wed Jun 26, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Salaries at FQHC | Any physicians here? [Federally Qualified Health Center]
Replies: 13
Views: 1698

Re: Salaries at FQHC | Any physicians here?

I would look in to the math of breaking the contract too. If she can come out ahead and build a panel of patients that have insurance and support an appropriate salary it makes more sense to start that process now instead of in 4 years or however long they expect her to be paid at 2nd percentile wag...
by chessknt
Wed Jun 26, 2019 6:36 am
Forum: Personal Investments
Topic: Could I be financially independent in 4-5 years?
Replies: 28
Views: 5118

Re: Could I be financially independent in 4-5 years?

Your healthcare expenses aren't being accounted for since you'll need to cover this if you retire and it is very expensive. What if something happens that requires a large purchase, like a foundation/roof problem in the home or expensive health condition? Your ability to absorb this expense is great...
by chessknt
Tue Jun 25, 2019 7:01 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22101

Re: Crypto bulls are back. Are you getting in?

I still advocate that nobody should support bitcoin since it seems to be the universal currency of preference by thieves. A hacker can't steal control of a municipality and demand a gold bar delivery but they can for bitcoin. There is a reason our banking system exists the way it does. We need a cry...
by chessknt
Sun Jun 23, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7506

Re: How do you approach tipping at carry-out restaurants

Don't tip take out. Also don't tip delivery services like DoorDash after I learned that the company just absorbs my tip up to the amount the driver was already going to be paid for delivering it anyways (eg I pay $5 tip but driver was being paid $4.50 so it looks like I left them a 0.50 tip). That'...
by chessknt
Sat Jun 22, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 2072

Re: First Class Seats Domestic USA

If it is truly so unbearable for more than 15 minutes how do you handle driving distances longer than that?

If you have just been avoiding prolonged periods of sitting entirely for years amtrak might be your best option since a plane could hit turbulence and keep you stuck in your seat for hours.
by chessknt
Sat Jun 22, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7506

Re: How do you approach tipping at carry-out restaurants

Don't tip take out. Also don't tip delivery services like DoorDash after I learned that the company just absorbs my tip up to the amount the driver was already going to be paid for delivering it anyways (eg I pay $5 tip but driver was being paid $4.50 so it looks like I left them a 0.50 tip).
by chessknt
Sat Jun 22, 2019 10:30 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22101

Re: Crypto bulls are back. Are you getting in?

I also think purchasing it to give it value further encourages it as the currency of choice for cyber criminals. Say what you want about our banking system, they make it a lot harder for hackers to terrorize municipalities in to paying ransoms.
by chessknt
Tue Jun 18, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 3740

Re: How to ensure POA is acting in best interest of grantor?

Refusing help from others is quite alarming. I would assume she is trying to hide something that would be obvious if others became more involved.
by chessknt
Sun Jun 09, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 13569

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

Most humblebrag post I've seen in some time. The equivalent cost of this car for op at his income level would be like someone making 120k/year asking if 3.5k was too much to spend on their dream car.
by chessknt
Sat Jun 08, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to start outsourcing?
Replies: 21
Views: 2039

Re: How to start outsourcing?

You sound quite anxious. Your weight is normal yet you are wanting to get a nutritionist and personal trainer in order to... Do what exactly? Stop worrying about your health you are a healthy 29 year old--you don't have health issues and worrying about getting them is a mental health issue.
by chessknt
Sat Jun 08, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6175

Re: Suggestions on fraudulent medical bill

As I've seen before on this forum, a lot of people are saying to just pay it when, if it were anything but a medical bill, they would say to fight it. Auto body shops itemize and code with a byzantine and often nonsensical system that is not unlike hospitals. If a body shop falsely (intentionally o...
by chessknt
Sun May 26, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: How a SIM swap attack works
Replies: 28
Views: 3320

Re: How a SIM swap attack works

If only he had stored this money in an fdic insured bank account or brokerage with fraud prevention agreements and obligations instead of a digital asset with no protection of any kind.
by chessknt
Fri May 24, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Giving monetary gifts--bank logistics
Replies: 9
Views: 682

Re: Giving monetary gifts--bank logistics

Thank you for the responses, just wanted to make sure joint to joint didn't violate the gift tax exclusion rules if the amount was more than 15k.
by chessknt
Fri May 24, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Giving monetary gifts--bank logistics
Replies: 9
Views: 682

Giving monetary gifts--bank logistics

If I want to give my daughter and her husband 60k (they pool finances) and want to do so without triggering irs gift tax, is it appropriate for me to transfer the entire amount (60k) from my joint bank account with my wife to my daughter's joint bank account with her husband? Or do my wife and I nee...
by chessknt
Mon May 06, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: "Shopping for Healthcare" - How Use an HSA Effectively
Replies: 30
Views: 2124

Re: "Shopping for Healthcare" - How Use an HSA Effectively

Yeah I've used an HSA for years. I'm not shocked at the $230 even remotely. I'm out of Chicago. If you go to an urgent care you can even look at $300. Welcome to American healthcare. Where the prices are all made up and the facts don't matter. The entire system --- the multi-billion dollar industry...
by chessknt
Sat May 04, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Nursing Home Cost and Planning ?
Replies: 14
Views: 1134

Re: Nursing Home Cost and Planning ?

If you aren't local one tip I would give is that paying a surrogate (usually a lawyer or an employee from a legal office) to visit your loved one at random times 2-3x per week will let you get away with a lower priced facility and still get excellent care. The unfortunate reality of these places is ...
by chessknt
Thu Apr 25, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do Joint Accounts Matter if Spouse Stays Home with the Kids?
Replies: 31
Views: 2367

Re: Do Joint Accounts Matter if Spouse Stays Home with the Kids?

You don't have to cancel an account and re do auto pay to make it joint, just add her name to it and viola done.
by chessknt
Tue Apr 23, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Navigating the Appraisal and Inspection as a Seller
Replies: 36
Views: 1916

Re: Navigating the Appraisal and Inspection as a Seller

Does anyone have experience with inspection related issues and disclosures? Like if a seller does not want to be made aware of a problem found on a buyer's inspection is it reasonable to reject a copy of the report so you are not forced to disclose something in the report (whether it is valid or not...
by chessknt
Sun Apr 21, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: 1st job as an MD- contract review
Replies: 16
Views: 2090

Re: 1st job as an MD- contract review

That might mean "this is how we do it here" for people who don't push back or ask questions. IMO you should have someone with experience review it. There are entire books on just this topic. WCI has a list of recommended reading. I had to get a couple on ILL so give yourself some time. It really de...
by chessknt
Mon Apr 15, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14723

Re: In Laws Retirement Nest Egg

Gifted the Max every year? So 15kx4=60k annually tax free in money you don't need? You are worried about maybe having to spend your 'hard earned money' on them when you are getting the annual take home pay of more than half of the USA by virtue of your birth? Sounds like you can easily supplement th...
by chessknt
Sun Apr 14, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Conflicted about housing: Buy or keep renting?
Replies: 10
Views: 1491

Re: Conflicted about housing: Buy or keep renting?

I have bought and sold houses when living there approx 4 years. Best case scenario I break even, worst case I lose maybe 3-5% so far unless there is a major swing in housing prices. I knew this going in and accepted the loss in exchange for access to housing I wanted to live in since the rental mark...
by chessknt
Thu Apr 11, 2019 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 36
Views: 4271

Re: Cheapest Home Insurance ?

I would think that any major claim with your insurance company would benefit from legal counsel regardless of your carrier and their customer service is irrelevant, only their obligation on your insurance binder. Your lawyer will make them live up to that document. Go for the cheapest company with a...
by chessknt
Wed Apr 10, 2019 1:04 am
Forum: Personal Consumer Issues
Topic: Financial solicitation by my doctor
Replies: 71
Views: 8376

Re: Financial solicitation by my doctor

I can confirm this is done at my university hospital as well. This is standard practice to ferret out donations for the university endowment. It might seem in poor taste but the researchers don't generate any clinical revenue and increasingly sparse NIH funds leaves some of them without funding for ...
by chessknt
Tue Apr 09, 2019 4:18 pm
Forum: Personal Investments
Topic: Resident Doctor... trying to maximize income
Replies: 27
Views: 2664

Re: Resident Doctor... trying to maximize income

The misconception of a part time physician here is laughable. Would you rather have a burned out physician on autopilot who hasn't kept up with practice changes in the past 10 years with 15 minute visit slots and is trying to make it to the weekend every week instead of someone who finds genuine jo...
by chessknt
Mon Apr 08, 2019 2:13 am
Forum: Personal Consumer Issues
Topic: New homeowner wants to DIY, but disappointed today
Replies: 50
Views: 5140

Re: New homeowner wants to DIY, but disappointed today

I too encountered this in my circa 1920s home. I outsource many things now since I despised diy projects from oil change to lawn care etc. I reconcile this luxury by enjoying my time off with less chores and working extra to make up for the financial hits. When my time was worth much less I was far ...
by chessknt
Sat Apr 06, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 7679

Re: Huge AIrBNB Cancellation Charge

I would work on airbnb customer service more--talk to someone in person, not in email. I once used Expedia to book a hotel during a cross country moving trip and while in Nebraska had horrible weather with funnel clouds and tornado force winds driving everyone off the freeway so we took shelter in t...
by chessknt
Mon Mar 25, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check: Buying new house -- 400k with 155k income?
Replies: 46
Views: 5157

Re: Sanity check: Buying new house -- 400k with 155k income?

I think it looks fine. A lot of people here sacrifice houses, cars, lawn service etc to the altar of austerity to pay homage to the all powerful FIRE God but if your kids spend their entire childhood in cramped quarters that irritates you so you can retire 5-8 years earlier, is it worth it? Only you...
by chessknt
Mon Mar 25, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Has anyone used Heal? [Doctor housecall app]
Replies: 32
Views: 2379

Re: Has anyone used Heal? [Doctor housecall app]

Not a doctor, but I can tell you that in some of my past assignments I was confined to an office, and I would have dearly loved to be out and about, blasting my favorite music, a little windshield time would have been great. There have to be some doctors who would welcome a change of location, with...
by chessknt
Sat Mar 23, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do the wife and I have house fever? Want to buy 550k home
Replies: 30
Views: 3266

Re: Do the wife and I have house fever? Want to buy 550k home

People shooting this down on your income missed the part where your piti is the same as your current rent. Unless your overall income has dropped you have managed to successfully build positive net worth and won't be changing your housing costs. You will be exposing yourself to risk for any require...
by chessknt
Sat Mar 23, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do the wife and I have house fever? Want to buy 550k home
Replies: 30
Views: 3266

Re: Do the wife and I have house fever? Want to buy 550k home

People shooting this down on your income missed the part where your piti is the same as your current rent. Unless your overall income has dropped you have managed to successfully build positive net worth and won't be changing your housing costs. You will be exposing yourself to risk for any required...
by chessknt
Thu Mar 21, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is my doctor a scam?
Replies: 33
Views: 4566

Re: Is my doctor a scam?

Looks to me like you had a "new patient" physical exam and you are old enough to get a colonoscopy which you probably haven't had in a while or ever. Did they tell you to lose some weight, stop smoking, and cut down on alcohol? I would find this odd for a patient visit for a cough. Normally those t...
by chessknt
Sat Mar 16, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 5887

Re: lawn care cost

Just signed a proposal for 250/month for a regular house lot for cut plus fertilizing and weeding in suburban Midwest. Not the best deal but company far more professional than competitors which leads me to believe if I have issues they will be resolved to my satisfaction.
by chessknt
Mon Mar 11, 2019 6:20 pm
Forum: Personal Investments
Topic: Health Care Costs In Retirement
Replies: 14
Views: 1440

Re: Health Care Costs In Retirement

Health ministries have many key differences from a health insurance plan that drastically increase your financial risk if an unlikely event occurs. I would encourage anyone considering these to do thorough research and read the plan documents in their entirety to understand what you are getting. The...
by chessknt
Sun Mar 10, 2019 7:26 am
Forum: Personal Investments
Topic: Ready to FIRE @ 55 with Real Estate Portfolio?
Replies: 28
Views: 3516

Re: Ready to FIRE @ 55 with Real Estate Portfolio?

I would also add that expenses need to account for Healthcare (could add over 1k monthly) if you are currently getting it through your job. Thank you, and I agree Healthcare will be a concern for at least 10 years until 65. Looking into taking COBRA in the short run, and considering a Health Sharin...
by chessknt
Sat Mar 09, 2019 10:30 pm
Forum: Personal Investments
Topic: Ready to FIRE @ 55 with Real Estate Portfolio?
Replies: 28
Views: 3516

Re: Ready to FIRE @ 55 with Real Estate Portfolio?

I would also add that expenses need to account for Healthcare (could add over 1k monthly) if you are currently getting it through your job. Also it might be helpful to have a plan for when you become unable or unwilling to manage your ongoing rentals since it seems like that accounts for the majorit...
by chessknt
Fri Mar 08, 2019 12:05 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7442

Re: attacked by off-leash dog

Out of curiosity, do trained dogs under verbal leads qualify? What about dogs with training collars? My dog remains by my side on command. I have walked by law enforcement without a physical lead, and the animal was clearly under verbal control. What is your opinion on this? I would not go to a par...