Search found 74 matches

by chessknt
Sat Oct 13, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 38
Views: 2465

Re: Lost Power for 24 hours - what food to toss?

I don't develop ANY skin conditions, I never have diarrhea. I get a cold maybe once every 3 years. Have never had a fever. This is due to purposefully exposing myself to all sorts of antigens from an early age. Using too much soap and chemicals on the skin is also harmful, esp. for young children. ...
by chessknt
Fri Oct 05, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5190

Re: Mr. Money Mustache is the BOMB!

...Also how does he expect retired people to afford healthcare in this country if they don't get subsidies that completely rely on tax revenues he isn't contributing to? That doesn't strike anyone as unsustainable? The cost of healthcare rising faster that inflation...incomes...GDP...everything... ...
by chessknt
Fri Oct 05, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5190

Re: Mr. Money Mustache is the BOMB!

His post didn't strike you as annoyingly cocksure or arrogant? Did you read point 8? Have you ever met someone who was born with a debilitating congenital condition or a social situation like 2 kids single parent poor social support and imagine their response to this? Also how does he expect retired...
by chessknt
Wed Sep 26, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 39
Views: 3457

Re: How to charge much hire than Credit Card Limit

I know of no option to pay taxes that does not charge a fee for credit card use that will likely outweigh the optimal and definitely the nominal cash value of any point generation.

But to answer your question you need a no limit card as there is no way to exceed the credit cap.
by chessknt
Sun Sep 16, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance asking to repay for services not provided
Replies: 20
Views: 2279

Re: Insurance asking to repay for services not provided

State insurance commissioner referral for fraud if the first dentist won't refund your insurance company and you for work not done. Make sure you are understanding the charges correctly. Insurance company is posturing I wouldn't worry about any kind of arbitrary deadline they set.
by chessknt
Wed Sep 12, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

I feel like I encounter this practice with literally every professional or contractor service I have ever used, from auto repair to legal issues to carpentry. Well, that hasn't been my experience: auto repair shops will always give a quote for most things (perhaps internal problems that can't be di...
by chessknt
Wed Sep 12, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

I'm trying to think of a single industry other than health care that can get away with this practice (which might explain my success rate in getting charges reduced). I feel like I encounter this practice with literally every professional or contractor service I have ever used, from auto repair to ...
by chessknt
Wed Sep 12, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

If you only go to in network labs, then they typically cannot bill you extra if the test is denied. I admit that sometimes it's hard to do when doctors send samples to out of network labs. Last time I went to an in-network lab, and almost all the tests were covered. There was, however, an expensive...
by chessknt
Wed Sep 12, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10298

Re: Massive Student Loan Debt - Fiancee

Is she frugal or a spendthrift? Lots of people make uninformed bad financial decisions in college and turn out fine later but it requires sacrifice--if she likes expensive things and isn't living like a student now I wouldn't expect that to change easily. As far as this being a red flag--marriage re...
by chessknt
Tue Sep 11, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need investment advise for 7 figure portfolio
Replies: 8
Views: 1338

Re: Need investment advise for 7 figure portfolio

You need to come up with an investing philosophy. Having cash on hand and talking about market downturns is market timing which has been shown time and time again to not work unless you're lucky. Remember people were saying the market was going to go down 2 years ago and we've had some great returns...
by chessknt
Tue Sep 11, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

If finding a medical home (labs and xray and offices all housed in the same building) is an option and you have an aca insurance plan and this is a routine health visit and a routine lab then it is highly unlikely you will be charged. Medicine costs are hard to estimate in advance for many things fo...
by chessknt
Tue Sep 04, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 43839

Re: Lucrative careers?

There are no such MD programs that are accredited in the United States. Again I’m not denying that CRNAs have an RN degree in the past just as MDs who graduated from United States have obtained a bachelors degree in the past. If you think I’m wrong please give me one allopathic program in the Unite...
by chessknt
Fri Aug 31, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.
Replies: 80
Views: 13699

Re: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.

Might want to investigate your country's safety net in terms of healthcare as well and make sure it isn't based on a minimum years worked etc since that would influence your projections.
by chessknt
Mon Aug 20, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12374

Re: Excessive Emergency Room Charges - Options?

Much much less. An ultrasound should not cost more than $200. You went to the ER and had an ultrasound; you did not go to a doctor's office and have an ultrasound. Do NOT know the answer - but on occasion one of my doctors orders an ultrasound and one choice was to have it at a local hospital (norm...
by chessknt
Mon Aug 06, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a real estate agent to sell a condo (MA)
Replies: 7
Views: 461

Re: Choosing a real estate agent to sell a condo (MA)

The obscene rate is 3% on each side so usually 6% total. Redfin goes as low as 1% on their side in some markets so 4% total there.
by chessknt
Mon Jul 30, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 3108

Re: LTC strategy: make health your hobby

All this talk about dementia brings up an important point--talk to your surrogate decision maker about what you'd want done if you lose your mental faculties and fill out advanced directives. An in depth advanced directive (ie one that defines independence to you and at what point you would not want...
by chessknt
Sun Jul 29, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5526

Re: What Should I Do About A Dying Friend's Assets?

If he wants to provide for his sister (even though as a practical matter, as you point out, it may not accomplish anything), he should provide for her in trust rather than outright, with the balance at her death going to or in further trust for whomever he would leave his estate to if she predeceas...
by chessknt
Mon Jul 02, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9618

Re: Do We need health insurance??

If you have no healthcare background you honestly don't understand the risk you are taking on by not having insurance. This is the age group where serious cancers (many of which have nothing to do with lifestyle but rather bad luck) pop up and frequently have no symptoms until they are quite advance...
by chessknt
Thu Jun 07, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property Depreciation Question- Schedules for equipment purchased as part of home
Replies: 2
Views: 223

Re: Rental Property Depreciation Question- Schedules for equipment purchased as part of home

I don't think you can depreciate something you didn't pay for. If you need to replace it then you can depreciate the cost of the new item.
by chessknt
Sat Jun 02, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Major Issue with Wife's Vanguard IRA - please help
Replies: 19
Views: 1978

Re: Major Issue with Wife's Vanguard IRA - please help

Even if there was a mistake it was long ago and has been missed for many years. Fixing it is going to be a gargantuan undertaking--is it worth it? How big is the balance? Were you eligible for ira deductions and never took them? Someone more knowledgeable may be able to comment on a backdoor Roth ta...
by chessknt
Thu May 24, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Winter Home - issues/costs?
Replies: 33
Views: 2471

Re: Winter Home - issues/costs?

If you install a nest thermostat or other wifi equivalent you can monitor your home's room temperature remotely as long as you still have internet there. If you can't connect or there is an error or the temp is dropping you could call someone to go check it out instead of having somebody randomly go...
by chessknt
Tue May 22, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5374

Re: Buy an old farmhouse?

Houses that old can be full of hidden problems. How old are the pipes, heating, and electric system? Service amperage? I had a 1920s house and would regularly trip the electrical box when a hairdryer and ac unit on the other side of the house were on the same time because of garbage wiring. Yard wor...
by chessknt
Sun May 13, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 7257

Re: Cancer - tips?

Depending on what your physicians are planning to do I would encourage you to think about what the limits of your care should be..... Most people do not do this and I see the consequences in their distraught family every day. Whoa. It is too early to think about limits. Let OP finish treatment and ...
by chessknt
Sun May 13, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 7257

Re: Cancer - tips?

Depending on what your physicians are planning to do I would encourage you to think about what the limits of your care should be. You can get very sick with cancer and if they do a transplant you could end up on prolonged life support, unable to participate in decisions, possibly with permanent disa...
by chessknt
Sat May 05, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 9527

Re: Does it make sense to rent as a retiree?

Another factor would be whether you can rent the type of home you are looking for in your desired location. If neighbors on all sides and shared laundry doesn't bother you renting will be easy to fo d a good deal but if you want to live in a wooded lot with nobody for miles around so you can shoot o...
by chessknt
Wed Apr 25, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Building/House Plans
Replies: 26
Views: 1901

Re: Building/House Plans

Lot would probably be pretty narrow (~30 ft). Is this correct? Is it an urban infill lot? Or possibly oceanfront? 30' is extremely narrow. Just a 5' property setback would mean the house can be no more than 20' wide. 30 feet is actually pretty standard for the area. Most of the homes in the area ar...
by chessknt
Fri Apr 13, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 4171

Re: Unaffordable prescription drug

These biologics may not be as cheap as everyone thinks I'm other countries. Some of these drugs are quite expensive to even manufacture let alone the research costs. The squeaky wheel gets the grease here--keep calling and appealing and fighting and getting your case opened an d looked at. I wouldn'...
by chessknt
Thu Apr 12, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 18852

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

It is dangerous to go without healthcare insurance. Quite a lot of people don't think so, but that's politics, so we cannot discuss it. It isn't about politics--the financial risk of a catastrophic illness can easily exceed the entire cost of a total loss on a home. And for someone who likes to rac...
by chessknt
Thu Apr 12, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4423

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

This is not something I have seen or would do as a pcp but can understand. They are obligated to refer you to someone to treat you for your ongoing problems and can't just say no without followup. If they didn't offer any, ask for a referral to a physical medicine and rehabilitation physician (speci...
by chessknt
Thu Apr 12, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 18852

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Might want to make sure your tax plan in terms of cashing out on foreign soil is legal--the USA taxes income generated in other countries as long as you are a citizen and the irs will definitely notice that amount of money and if you are other married it might be considered joint property and thus ...
by chessknt
Thu Apr 12, 2018 4:18 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 93
Views: 18852

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Might want to make sure your tax plan in terms of cashing out on foreign soil is legal--the USA taxes income generated in other countries as long as you are a citizen and the irs will definitely notice that amount of money and if you are other married it might be considered joint property and thus s...
by chessknt
Thu Apr 12, 2018 4:05 am
Forum: Personal Consumer Issues
Topic: Medical Records
Replies: 21
Views: 1559

Re: Medical Records

I second the notion that uncomplicated healthy patients do not typically need to come with records. Prior labs, imaging, or studies that have been done are much more useful and are probably more accessible. If you have chronic problems they are more useful but by no means necessary to provide care. ...
by chessknt
Sat Apr 07, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for a resident physician
Replies: 13
Views: 979

Re: Asset allocation for a resident physician

Might be too heavy in bonds for your outlook but it also depends on your risk tolerance. Most would argue against tips during accumulation. International allocation looks to be a bit too low. Why prime cap? If you have any loans at the lovely 6.8% interest rate it would be worthwhile to direct money...
by chessknt
Thu Mar 29, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy? Military Doc. What would you do?
Replies: 46
Views: 3622

Re: Rent or Buy? Military Doc. What would you do?

I would offer the perspective that, though you may come out behind, it may not be behind as much as you think. We bought a house with a short time frame to live in because the rental market could not offer us anything close to what we were looking for. I figured that a loss of 20k after accounting f...
by chessknt
Wed Mar 28, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16056

Re: Healthy eaters -- is this grocery budget normal to you?

I am curious as to why people are afraid of gmo foods and what the basis of that fear is.
by chessknt
Sat Mar 24, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: eBay seller mails hard drive in paper envelope
Replies: 32
Views: 2865

Re: eBay seller mails hard drive in paper envelope

Poor shipping but if it works then you are engaging in a big hassle on principle rather than for any objective damages. If you are OK with that carry on but as others have said if the drive was damaged you'll know it. I would add that I successfully filed a claim against usps the inherent insurance ...
by chessknt
Mon Mar 12, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2580

Re: Incorrect medical report

It would actually be inappropriate and probably illegal for someone to change the medical record because a receptionist handed a message from a patient to them. At minimum, you need to speak by phone to the person who can add an Edit to the record. If it is important enough, you may need to go in p...
by chessknt
Mon Mar 12, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2580

Re: Incorrect medical report

You aren't stating what happened but is it relevant in any way to your long term care? Eg If it says they looked in your ears and they looked fine when they didn't and you don't have an earache then this seems like a waste of time regardless of your legal rights.
by chessknt
Sat Feb 24, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Just had our offer accepted on a $1.4 Million House
Replies: 90
Views: 10095

Re: Just had our offer accepted on a $1.4 Million House

Simplify. Rent for the short term and focus on careers. Complexity, added debt, and risk, is not a good thing at this time. If there should be personal or financial "black swans" during this period, they would be better survived by renting (flexibility) and keeping your cash in hand. The time will ...
by chessknt
Sat Feb 24, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 18
Views: 2198

Re: Xfinity Mobile ?

Switched from t mobile to this last year. 2 smart phones went from 100/mo to 13.50. We use WI fi everywhere now and use 1-2 gb of mobile data. Network is incredible because it is Verizon, far superior to tMO in my area. If you use lots of mobile data then this may still be a better option. The only ...
by chessknt
Tue Feb 20, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 21
Views: 1803

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

You don't sound particularly "tech" to me and I would caution you about being an early adopter of a new technology. I believe EVs are the future, but the future is not here yet. I would push back a bit on this. There’s nothing complicated about these cars. Just the opposite, in fact. If you can plu...
by chessknt
Sat Feb 17, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: cybertheft from brokerage and retirement accounts after Equifax identity theft
Replies: 23
Views: 3402

Re: cybertheft from brokerage and retirement accounts after Equifax identity theft

I think two factor authentication is a good first step. Most won't even bother to do that. There is also the option of doing two factor authentication with a physical key, like a Fido UTF key. Even though inconvenient, a physical ket would probably prevent someone from gaining fraudulent access to ...
by chessknt
Thu Feb 15, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 8477

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

I don't carry this coverage because I have comp/collision and good medical insurance. Don't think it adds anything personally. I disagree. Suppose you and/or passengers are severely injured and/or permanently disabled by an uninsured motorist. Good medical insurance will not make up the difference....
by chessknt
Thu Feb 15, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 8477

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

I don't carry this coverage because I have comp/collision and good medical insurance. Don't think it adds anything personally.
by chessknt
Thu Feb 15, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax & Form 8606
Replies: 9
Views: 1446

Re: TurboTax & Form 8606

I filed mine a few days ago and while I couldn't find the irs form some how there is a 2017 version that was submitted and I have printed off through hr block.
by chessknt
Sun Feb 11, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 272
Views: 56426

Re: How to Minimize Your Emergency Care Expenses

I didn't say unionize. I said organize. As one of the largest lobbying groups in the U.S. (according to Wikipedia, anyway), what exactly does the AMA do? I'm an engineer in oil and gas. I'm proud that I help power the world, provide electricity, and provide transportation. My job has a positive eff...
by chessknt
Sat Feb 10, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Can’t decide if we’re getting close to FIRE without knowing health care costs
Replies: 30
Views: 2677

Re: Can’t decide if we’re getting close to FIRE without knowing health care costs

I have been through this as I intend to retire in about a year. I agree that it is difficult to know how things will shake out over 15 years, but it was possible to compare alternatives for my 3 year period (age 62 to age 65). I have 4 choices: Cobra (at least for the first 18 months), the Medicaid...
by chessknt
Sat Feb 10, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Physician disability insurance
Replies: 8
Views: 741

Re: Physician disability insurance

Too many variables to be sure but seems right if not a tad high. Read the white coat investor guide then find an independent agent who can get you multiple quotes.
by chessknt
Sun Feb 04, 2018 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Planning for Life Insurance Payout
Replies: 15
Views: 989

Re: Planning for Life Insurance Payout

Is this some type of rider that was on the life insurance policy that pays out prior to death when death is imminent within a certain amount of time (say 2 years or less)? That's not my understanding. No payout until death. The point other posters are making is that unless he is in an ICU criticall...
by chessknt
Sat Jan 27, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: College student co-op, pre-med
Replies: 39
Views: 1835

Re: College student co-op, pre-med

The first thing I would do in your situation is figure out if what you want is to be a practicing physician or a business owner. Obviously, you can do both, but if your real goal is to be a business owner, even in the healthcare field, I think you can get there without medical school and all the de...