HELOC for "cash-flowing" improvements

[MPMD]

not an office person (EM) but i have 3 pretty firm rules

1. no refills of scheduled meds
2. verbal abuse of the staff is immediately...

[MPMD]

oh yeah absolutely
i remember the bad old days when opiate w/d in ED was essentially an impossible dispo if you wanted to be pt-centered
tbh...

[MPMD]

not trying to be confrontational but i do think you are very wrong here.

OUD shows up in ED all of the time, and suboxone can really help,...

[MPMD]

speaking as someone who actually advises real live med students all the time this concerns me greatly.

if you want to be a highly competent...

[MPMD]

all good points

in my limited experience, suboxone is magic for opiate dependency....

[MPMD]

if i were a PCP this would be a real concern of mine and one that i would work extremely hard to combat.

iron clad contracts with no wiggle...

[MPMD]

my only question is what are you drinking tonight?


30 Rock
Jack: what's your drink?
Floyd Debarber: club soda?
Jack:...

[MPMD]

if you asked me to lay money down on the table i would say that BTC will screw around between 20k and 40k for the next decade while the evangelists keep...

[MPMD]

looks cool
not in my area i don't think...

[MPMD]

yeah the tax credit thing is big as well
it's currently like 25% of the cost of the system...

[MPMD]

if i had cash to do so i'd pay mine off this afternoon

even though my rate is 3 something and even in this economy/inflation.

...

[MPMD]

i wish i was <10 years away from $10M, that is probably a little optimistic though unless the market really goes nuts.

[MPMD]

i believe that's a false dichotomy and i'm pretty sure i made that point in the post you are responding to. there is a third option that i think the power...

[MPMD]

what that is clearly true now, i don't think it's true at every future state.

if it is then we essentially have an end date at which humanity...

[MPMD]

rare moment of complete agreement.

i 100% believe in AGW.

this is an issue where i truly think the truth has to be somewhere...

[MPMD]

ok so tell me why this is a bad idea.

we bought in 2019 in an extremely desirable city/area in a HCOLA metro.

our house has...

[MPMD]

I'm pointing this out b/c I strongly think RK is a complete scammer.

Given his style and the fact that he's basically a professional BS artist...

[MPMD]

i honestly could care less about DR's politics, i used to listen to him a ton and really enjoy his show and during that time we weren't any closer to...

[MPMD]

he's like ramsey - some good ideas wrapped up in what has now become a completely unacceptable level of fraud and nonsense
the kernel of truth in...

[MPMD]

one of my closest friends from residency used to share this piece of advice he'd gotten from one of his med school mentors.

"if you...

[MPMD]

ok so stay with me on this folks.

i read a book a while ago (~8 years) that was very influential called the Sociopath Next Door.
...

[MPMD]

general agreement with above.

also i don't know exactly how the group works but if someone tries to do you a favor and you get mad they (and...

[MPMD]

yes but YOU don't have your BTC...

[MPMD]

i still think a recession - if we have one - will be pretty weird and lopsided.

i'm actually not sure there's ever been a better time to...

[MPMD]

yet another reason why directly owning BTC seems like such a bad idea.

options are
-what you said, you hold an IOU from some young...

[MPMD]

not going to lie i thought about buying BTC today.

do i think BTC is the answer to all of our problems? no
do i think BTC is ever going...

[MPMD]

while we very well might be headed for a recession, it's pretty unclear to me that housing prices would crater if we did.

my guess is that...

[MPMD]

homeboy needs a few novels on that list

[MPMD]

dude it literally doesn't matter what you do.

you could also start lighting your cigars w/ $100 bills and you're still going to crush it...

[MPMD]

in this situation i would absolutely travel

i wouldn't even shame you for loading up 10k on a credit card for this and really doing it up...

[MPMD]

my old man hunted anything that could move and took/takes the approach that nothing should ever be wasted.

it tastes about like you'd expect...

[MPMD]

i'm not sure your first point is true.

my educated guess is that in HCOLA/desirable cities that prices will stabilize but not come down much....

[MPMD]

i agree

keep in mind it also survived the head of state plausibly threatening nuclear war on twitter and then a very plausible attempt at...

[MPMD]

i don't know the right answer (no one does)

however if you are happy in a rental right now there wouldn't be much harm in at least waiting...

[MPMD]

long story* but:
1. i have eaten squirrel meat
2. it tastes nothing like chicken
3. it is far from delicious


* my...

[MPMD]

whenever i read threads like this i remember one of the big D's is

"this time is different"

the market took a crap...

[MPMD]

hating on EMRs is hacky and just dumb if you ask me.

there are basically 2 major and maybe 3-4 more minor systems. several are very good,...

[MPMD]

question under oath:

prosecutor: AR why did you open an account at a different bank to deposit this one check?...

[MPMD]

catching up on this since i posted warning
insults flying - locking this thread...

[MPMD]

that would be fraudulent based on the fact that you were worried about a scam and you were shifting the risk to the bank.

IANAL but i wouldn't...

[MPMD]

this is really good to know.
seems like for a transaction like a private vehicle sale the best thing to do is some kind of cash transaction....

[MPMD]

mod hat on

really don't see how the discussion of race, racism, etc is adding to this discussion. definitely unfavorable heat/light ratio....

[MPMD]

that's so crazy.

i always thought that a cashier's check was the antidote to fraud and that you could only get it if you had funds to cover....

[MPMD]

there doesn't seem to be much question that the stimuli were inflationary, but it seems that a couple of things indicate someone arguing in bad faith...

[MPMD]

it would seem that if there were a narrow, US-based, partisan, conveniently political answer to this that it would be a narrow US problem: https://ww...

[MPMD]

good question.

in this case abx for regional lymphadenitis and told them to watch and be seen if it didn't go away. this was at a VA fyi...

[MPMD]

yeah even 10 years out it's amazing what you can still pick up from your partners.
i had a weird neck mass in the ED the other day, one of the u/s...

[MPMD]

i agree there may be red flags but i would not rule out the benefit/utility of an honest conversation

whoever does this needs to ideally...

[MPMD]

i've always done them (academic EM).

all places i've worked neurology residents have been fairly happy to do for less urgent stuff (IIH w/u,...

[MPMD]

looking at their most current issue it's a bunch of case reports
my guess is that they have a $1500 pub fee
the article is hilarious, this...

[MPMD]

interesting little tidbit about schools in my area.

i live in a HCOLA major metro w/ ok (not great) public schools.

lots of...

[MPMD]

i think that's right
i sold another vehicle to carmax recently and did not begrudge them their profit margin, made an appt, sat in a clean waiting...

[MPMD]

that's correct....

[MPMD]

this is all good advice thank you all very much
i think everyone is right that this is almost certainly a check scam
i wasn't going to fall...

[MPMD]

it definitely feels shady but i can't quite spot the angle
one guy specifically mentioned waiting until the check clears and using a certified...

[MPMD]

Background: I am selling a 10 year old low mileage luxury suv, it was the car my nanny drove the kids in and was involved in an accident. It appears to...

[MPMD]

i would very very wary of buying an $800k home that hasn't sold in this market.

in most places that are even remotely desirable homes are...

[MPMD]

i have a cal reminder for a COLA adjustment for my nanny every year
and we do 1 weeks pay in cash every year at xmas
i would def give your...

[MPMD]

bingo

as i always say when this perennially comes up:

you can decide not to count your house, but if you are underwater on it...

[MPMD]

1. i would count HSA if you are cash flowing med expenses for sure

2. people go back and forth on this
everyone agrees that match is...

[MPMD]

beyond that if people have a bunch saved i find it fairly silly to quibble about location as long as it's not all in Coinbase or something.
...

[MPMD]

IANAL but i would guess that the answer to most of these questions is really just a matter of probate law.

as far as disagreements between...

[MPMD]

all i can say to this is: goalzzzzz

[MPMD]

i know that BTC isn't real estate but i always remember Bernstein's 4 signs of a bubble:


(1) Everyone around you is talking about...

[MPMD]

enjoyed the podcast
i basically walked away with 2 points

1. he starts off by talking about how he lost 90% of his investment in crypto and then

...

[MPMD]

i never quite get it when people talk about ZPG or below as a bad thing.
historically the reason for having as many children as possible was 3 fold:...

[MPMD]

market downturns shouldn't even make you blink.
i don't like dave ramsey but i do like his saying "no one gets hurt on a roller coaster unless...

[MPMD]

i actually think this would be a good use of a fee-only FA.

engage them for a few hours/year just to have a yearly meeting w/ your wife and...

[MPMD]

actual LOL sitting at my desk...

[MPMD]

i'll weigh in here, i think the OP is in pretty serious trouble.

whatever the circumstances, upbringing, prior sacrifices your wife is spending...

[MPMD]

not a lawyer

for your first case (anxiety) here is what i would do: i would decline to provide a written report and charge 2 days normal...

[MPMD]

not trying to be nasty but i truly don't understand this question.

when i graduated HS the dow was at 9k
when obama began second term...

[MPMD]

i'm not an accountant but the IRS guide on this seems pretty clear
in my personal experience when the IRS site is as clear as this there is no reason...

[MPMD]

all kidding aside where i used to live i got some aggressive/odd door to door people.
i think the prior owner was a soft touch who would give money...

[MPMD]

if it makes you feel any better i'm an ER doc at a major urban quaternary trauma/stroke/burn center and i find my work to be fairly unexciting most of...

[MPMD]

https://www.nytimes.com/2016/02/25/f...s-expense.html

this is my favorite article the Times has ever...

[MPMD]

a few i like:

what does an orthopod call the heart?
the ancef pump

what do you call 2 orthopods reading an ekg?
...

[MPMD]

variation that is a little darker:

how do you know that oncology is consulting on your pt?
there's claw marks on the coffin...

[MPMD]

if he isn't getting a commission and he's pissed you're not buying what he is selling then it sounds like you encountered a very odd and/or aggressive...

[MPMD]

i tend to subscribe to this view as well.

i also don't think that this means that you have to act super buttoned-up at all times either,...

[MPMD]

i don't think it's helpful to look at things like this with the mindset of "well if he's a car guy then maybe it's worth it."

if...

[MPMD]

i have credentialled at 8 hospitals in my career and have only ever been asked about settlements, judgements, or asked if anything is pending....

[MPMD]

i'm not saying stop being dumb.

i'm not calling anyone dumb.

i'm saying learn what actually happens.

doctors think...

[MPMD]

again, craft a workable policy.

and don't think about it as an annoyed doc, think about it as an angry parent.

i am seriously...

[MPMD]

mandatory retirement at 70 or submit to independent cognitive evals every year and release all results
sorry not sorry...

[MPMD]

i make plans based on being pretty mobile until 80, at which point i plan to sip extremely expensive coffee or scotch and read books in between naps

[MPMD]

the psychological impact and stress from being named in a lawsuit you had nothing to do with should be minimal to zero, if it's not you don't understand...

[MPMD]

i have

really enjoyed it

i appreciate wine esp reds and enjoy them, i just know that if i have 2 glasses i will feel like some...

[MPMD]

a few thoughts:

1. while it is highly annoying to be named in a lawsuit, i don't really think we want to live in a world where people can't...

[MPMD]

i'm really shocked that this didn't just turn into a convo about who drinks the cheapest moonshine they make in the spare toilet with leftover welch's...

[MPMD]

mod hat: be really really extra careful on this one folks

[MPMD]

correlation or causation.

i know plenty of people with no motivation who barely drink.

i know plenty of MJ users who are hyper...

[MPMD]

this was an actual LOL for me in my office....

[MPMD]

fair point but if they don't make legal min wage you are saying the restaurant has to true them up to... $7.25? which is also starvation wage?
...

[MPMD]

endorse

i don't really know anyone who feels that strongly about weed anymore, even super conservative people i know don't really seem to...

[MPMD]

was there another date?

yeah i don't always say anything. at the end of the day i'm a physician who waited what i perceived to be too long...

[MPMD]

i think the neighborhood informs this quite a bit as well. we live a pretty busy through street and have a high amount of sidewalk traffic for our area....

[MPMD]

would strike me as a good move for a host of reasons, particularly around termination/disciplinary action. i would put a bunch of things in there about...

[MPMD]

i think WCI has a good take on this (paraphrasing and hopefully not misrepresenting his views)

• clearly benefits some people
• optimal dosages/routes

...

[MPMD]

well, i wish everyone agreed it was bad policy. lots of people on my "team" sure don't.

the right (as you say) has a point, we...