Search found 188 matches

by chessknt
Mon Nov 11, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 48
Views: 6553

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

Unless this person is you then you are already way too involved in his business to have all of these numbers and should just let him figure his own stuff out. There's being friendly and being nosy and this definitely crosses that line.
by chessknt
Sun Nov 10, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2263

Re: WSJ: Underwater Car Loans

This is a sensational title since literally every new car loan is essentially 'underwater' at the time of origination due to the rapid depreciation of new cars. Financing a car is not always terrible as portrayed here and can allow leverage of zero or low interest loans for a good you were planning ...
by chessknt
Sat Nov 09, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3647

Re: Tale of 2 doctor job opportunities

Once wci forums are back up ask there since this forum isn't well suited for physician employment assessment. You don't have enough i for to make a fully informed decision since any productivity based model can vary wildly depending on overhead and how likely it is you will be able to run a full cen...
by chessknt
Sat Nov 02, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: EverSafe and cognitive decline study
Replies: 13
Views: 1621

Re: EverSafe and cognitive decline study

The study is irb approved which means it has passed ohsu's standards for ethical human research. What are you concerned might happen? Did you ask the consenting researcher about your concerns? My concern is not with the study but with the company. I asked whether I would need to give EverSafe acces...
by chessknt
Sat Nov 02, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: EverSafe and cognitive decline study
Replies: 13
Views: 1621

Re: EverSafe and cognitive decline study

The study is irb approved which means it has passed ohsu's standards for ethical human research. What are you concerned might happen? Did you ask the consenting researcher about your concerns?
by chessknt
Wed Oct 30, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3021

Re: Unnecessary blood tests

It would be like if I went to a lawyer for a lease agreement review, paid a flat fee, and wanted him/her to explain the complexities of specific case laws on the definition of a domicile and the different legal operators in each sentence and rewrite the entire agreement to make sure it confirmed wi...
by chessknt
Wed Oct 30, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3021

Re: Unnecessary blood tests

As a former practicing internist and sub specialist, if a patient requested that for an annual physical that I should not obtain a CBC and metabolic profile, I would suggest that if there is no emergency at that visit, that he/she get another doctor and this visit is at no charge. The patient is te...
by chessknt
Thu Oct 24, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11543

Re: Ok to go without health insurance?

Even if you hame the system by only buying coverage in a true emergency what if the emergency is with you? Is your corporation configured to let someone else buy insurance on its behalf in the event you become incapacitated? And surely you know lots of expenses could happen before that insurance kic...
by chessknt
Tue Oct 22, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4088

Re: BCBS wont pay lab bill...

I love some members perception that a physician delights in patients getting enormous bills or somehow profits for patients getting lab tests or (most comically) has a duty to understand the lab coverages of the hundreds of insurance products they accept for charges they do not bill or collect. I th...
by chessknt
Tue Oct 22, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Impact of filing a claim under home owners policy
Replies: 10
Views: 865

Re: Impact of filing a claim under home owners policy

Call your Agent and ask them under what circumstances, if any, would filing a claim cause your premium to go up. It won't be the first time they have been asked this question and you have every right to know. Cheers Given my experience with them a better question would be what circumstances it woul...
by chessknt
Tue Oct 08, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7700

Re: Should I sell or keep my 5 year old depreciated Tesla

Ev drive train is pretty durable, you may not ever need to replace it since it may go over a million miles and a well maintained battery should be fine for daily use unless your commute is far. No reason to replace, possibly ever?
by chessknt
Fri Oct 04, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3307

Re: relocating across country

How could one possibly need $220K to move?! This is just a huge signing bonus, no? I had a similar thought-----then I pondered the costs of buying and selling homes (in two very expensive areas no less), possible mortgage differentials, temporary living costs, relocation "scouting" trips, permanent...
by chessknt
Thu Oct 03, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8253

Re: Wedding Finances-Today

Another data point--married 7y ago for 6-7k with 60 guests. Planned the whole thing. We were poor just out of college and didn't have any money or wealthy parents. Reception and ceremony in same location, buffet style food, very modest rings, no alcohol since we don't drink. We had a good time and c...
by chessknt
Mon Aug 26, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9824

Re: The cost to talk to a doctor

People talking about foreign physicians as a way of outsourcing medical advice seem to be ignorant of how highly regulated medical practice is in the USA. Telemedicine work is still provided by providers licensed in the usa and even overnight radiology using radiologists in Australia are still us-tr...
by chessknt
Mon Aug 12, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Selling House at Loss; Better to credit buyers or lower purchase price?
Replies: 11
Views: 1268

Re: Selling House at Loss; Better to credit buyers or lower purchase price?

Your tax situation might be more complicated because you had personal use of the property for 2+ out of the last 5 years which changes some rental rules though that is immaterial at this point if you want to get rid of it. I'd try to negotiate that amount down a bit since you are already taking a lo...
by chessknt
Wed Jul 17, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, Father dying & losing homes
Replies: 22
Views: 3113

Re: Please help, Father dying & losing homes

Maybe I am missing something but the hospital costs will be figured out much much later and I don't think this needs to be of paramount concern to the point where you are meeting with lawyers all day while your dad is alone in an icu.

Is he expected to survive?
by chessknt
Wed Jul 17, 2019 10:41 pm
Forum: Personal Investments
Topic: 2.5 million to invest for myself[35] and father[70]
Replies: 43
Views: 4160

Re: 2.5 million to invest for myself[35] and father[70]

No offense, but this is bizarre. I think Dad should invest his money that's appropriate for him, you should keep doing whatever it is you do for $200k/yr. Is there something missing here? Rasscott you are assuming OP is American, I don’t think so, some cultures parent money and childs money are the...
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: 699

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: 1530

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: 2106

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: 3734

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: 9
Views: 1054

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: 56
Views: 8315

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: 4313

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: 4313

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: 4313

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: 3110

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: 2123

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: 37
Views: 7079

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: 7786

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: 8683

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: 17
Views: 2581

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: 5346

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: 25180

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: 8313

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: 2195

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: 8313

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: 25180

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: 4136

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: 15053

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: 2188

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: 6486

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: 3473

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: 714

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: 714

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: 2348

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: 1210

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: 2490

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: 2065

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...