Search found 13 matches

by shaiboy
Wed Jun 08, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: The cost of a root canal?
Replies: 38
Views: 4131

Re: The cost of a root canal?

If your Mom has time, and lives close to a dental school, I'd recommend looking into becoming a patient there. While it may take more appointments, prices are typically ~50% of what it would cost in private practice. Also, consider having the tooth extracted and getting an implant+crown. Implants ar...
by shaiboy
Sun Apr 17, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 4461

Re: Medical School preparation Pointers for a Sophomore Student

As a current medical student, in my opinion the two most important factors for getting an invite to interview at a medical school would be 1) GPA, and 2) MCAT score. Many schools have a cutoff, if you don't meet the cutoff, they won't look at the rest of your application. After you get your foot in ...
by shaiboy
Tue Jan 20, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Transfer Life Insurance Proceeds
Replies: 9
Views: 886

Re: Where To Transfer Life Insurance Proceeds

Thank you for all of the solid advice. It seems that the prudent decision is to sit on the money until he can make decisions without the emotional stress he is currently carrying. Is there any reason not to transfer the insurance money directly into his personal accounts (spread into several to ensu...
by shaiboy
Tue Jan 20, 2015 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Transfer Life Insurance Proceeds
Replies: 9
Views: 886

Where To Transfer Life Insurance Proceeds

My Aunt has recently passed away, and I am helping my Uncle with the financial aspect. My Aunt had two life insurance policies: 1) variable universal life with death benefit of 650k (on a 500k policy), and 2) life insurance through her work which I do not have details on worth ~100k. Uncle currently...
by shaiboy
Sun Nov 24, 2013 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance Recommendations
Replies: 14
Views: 1351

Re: Dental Insurance Recommendations

Dental student here. While not "dental insurance", I would suggest looking into your nearest dental school's fee schedule if you need any major dental work. Appointments take longer than in the private practice, but prices tend to be ~50% lower. I don't recommend it if you only need an exa...
by shaiboy
Thu Jun 21, 2012 3:10 am
Forum: Personal Consumer Issues
Topic: Dental X-rays
Replies: 74
Views: 11903

Re: Dental X-rays

In general, the use of x-rays is constant balance between information gained from the scan, and the risk of the exposure to radiation. While the radiation dosage of dental x-rays (bitewings<panoramic<CBCT) is relatively low, all radiation exposure should be minimized. In regards to when x-rays shoul...
by shaiboy
Sat Apr 14, 2012 1:13 am
Forum: Investing - Help with Personal Investments
Topic: *EDITED Selling/Buying Company
Replies: 2
Views: 287

Re: Selling/Buying Company

Transferring it later will be troublesome if you want to avoid taxes. If you want it instead of the uncle, buy out the friend yourself if you can. Gifts later could work, assuming your uncle doesn't want to get paid, but valuation will be hard or expensive. Don't worry too much about creditors if y...
by shaiboy
Tue Apr 10, 2012 1:46 am
Forum: Investing - Help with Personal Investments
Topic: *EDITED Selling/Buying Company
Replies: 2
Views: 287

*EDITED Selling/Buying Company

Edited for clarity. I thought I would eliminate all background info and just ask questions for clarity. I'll be purchasing a 1/3rd of a business so that the business will be family owned. I live in California, while the business in Las Vegas. I'll be paying 150k for it. Do we need to go through a la...
by shaiboy
Thu Mar 22, 2012 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy Or Reduction In Amount Owed?
Replies: 5
Views: 452

Re: Bankruptcy Or Reduction In Amount Owed?

There are lot's of good Bankruptcy attorney's in Vegas. I am a member of the same bar ass'n. The poultry business is probably within the states generous exemptions and even if not, he can buy the trustee's share back over an 18 month period. Everything else you mentioned appears to be within the st...
by shaiboy
Thu Mar 22, 2012 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy Or Reduction In Amount Owed?
Replies: 5
Views: 452

Bankruptcy Or Reduction In Amount Owed?

Hello, I appreciate any help with this matter and very grateful for such a knowledgeable community.Thank you in advance for your opinions and advice. My brother owes 73k (60k debt, 13k attorney fees and interest) to Wells Fargo for walking away from a house after his 2nd mortgage about 5 years ago. ...
by shaiboy
Mon Feb 21, 2011 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Invest After Maxing Roth.
Replies: 10
Views: 1080

Good obfuscation there -- does your spouse have an IRA too? If not, why not? (I'm guessing you meant to type "max out my Roth", but I'm not sure. In any case, you use the singular Roth in your text and title.) A non-working spouse can do a traditional IRA up to the same MAGI limits as Rot...
by shaiboy
Mon Feb 21, 2011 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Invest After Maxing Roth.
Replies: 10
Views: 1080

Thanks for the very prompt feedback. According to source of all knowledge (wikipedia), the 15% long term capital gains tax rate will expire at the end of 2012. Should we be worried about it increasing past the previous 20%? Given our current economic conditions, I don't see this as unlikely.
by shaiboy
Mon Feb 21, 2011 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Invest After Maxing Roth.
Replies: 10
Views: 1080

Where To Invest After Maxing Roth.

I don't have access to a 401k. I have a taxable account in which I buy and hold my stocks. I have been advised to open up a universal life policy so I can "invest" under it to keep from being taxed in the future. I am fairly convinced that I should continue to max our my Roth before I cont...