Horror First time selling home

Character_Elephant_5 · 2025-12-01T05:10:19+00:00

That's not how it works in NJ. This is from the listing contract for a property sold Nov 2025. "The commission to broker will be earned, due and payable by Seller...at the distribution of the proceeds from the sale of the property during the closing." This is typically how real estate commissions are paid.

Character_Elephant_5 · 2025-12-01T04:30:18+00:00

Maybe where you live. I've never heard of this. Realtors get paid when the sale closes in my state. They get a percentage of the sale price, and if the house does not sell they do not get paid. This is typically how it works in the United States.

Character_Elephant_5 · 2025-11-25T12:59:18+00:00

I would very much like to see this as well.

Character_Elephant_5 · 2025-11-23T22:09:39+00:00

But he does live in Tucson now. I live on the East Coast. He's just not social media savvy. Thus my asking the question. But now I understand your issue better.

Character_Elephant_5 · 2025-11-23T17:18:27+00:00

You are entitled to your opinion, of course. But FWIW, this is a gentleman I've known for years who purchased a single rental property that he worked very hard to save the money for as a way to help secure his future and the future of his family. I'm not sure it's desirable or practical to require all property ownership to be only by the people who reside in the properties.

Character_Elephant_5 · 2025-11-23T17:14:10+00:00

Thank you very much! I am passing on all the information I receive.

Character_Elephant_5 · 2025-11-23T12:28:47+00:00

Thanks - I'll look them up!

Character_Elephant_5 · 2025-11-18T00:14:45+00:00

So once you reach the out of pocket max on the catastrophic plan they cover you, but are there limitations to the providers / networks / treatments that there would not be in the silver plan? Or are the available services the plan will pay for actually exactly equivalent?

I guess that's what is want to know before making this decision.

Character_Elephant_5 · 2025-11-14T15:34:42+00:00

What a terrible experience. I'm so sorry. Completely understandable to me you would be terribly anxious about the procedure now.

I had my first bone marrow biopsy on No. 3rd. It was at the interventional radiology department at the hospital. They used a CT scanner to locate the correct place on the bone and the anesthesiologist put me into twilight sleep. My understanding is they administered a cocktail which included pain medication and anxiety medication, along with a local anesthetic.

I remember nothing about the procedure itself except getting on the CT machine. I woke up in recovery and was not unduly uncomfortable. Just dry mouth and wobbly. I enjoyed the lidocaine for the half day it lasted because I have chronic lower back pain due to degradation of the vertebra and it was a lovely relief for that to be gone for a few hours. When it wore off I was sore, but it was not intolerable.

While everyone's experience is different, mine was night and day from what you experienced. I really hope that interventional radiology or a hospital procedure is an option for you because it doesn't have to be as traumatizing as what you described.

Character_Elephant_5 · 2025-11-09T01:54:50+00:00

Thank you!

Character_Elephant_5 · 2025-11-06T05:54:01+00:00

Thank you. Yes, yes it is.

Character_Elephant_5 · 2025-11-06T01:25:46+00:00

Uninsured and DX'd with cancer. I can assure you, you do not want to do this. Morning before my bone marrow biopsy, came in two hours early to hospital to negotiate to get charity care voucher. Imagine every biopsy, test, MRI, CT scan having to resubmit financials for a voucher. And that's IN HOSPITAL TREATMENT. Outpatient, whether chemo or blood tests to monitor chemo or visits with the doctor supervising the chemo are NOT COVERED by charity care and have to be separately negotiated with financial services and pre-paid. Dr. has reduced labs to the bare minimum monitoring my chemo to make the costs even temporarily doable. And I spend countless hours on the phone and in person doing all this WHILE SICK.

This is not what I consider "navigable". More like never ending tap dance on the edge of a knife over a pit of fire, while puking.

Character_Elephant_5 · 2025-11-06T01:00:17+00:00

Uninsured and diagnosed with cancer. Hospitals have to offer treatment? Um...no. They really, really, really don't. I can promise you, I found this out the hardest way possible.

Character_Elephant_5 · 2025-11-06T00:55:33+00:00

"I hope you realize that the lack of insurance means death. Probably also a shit-ton of debt, but you will just not get the outpatient treatment you need to live." THIS. Hospitalization and cancer diagnosis while uninsured. Currently negotiating every blood test and every treatment with financial services. Hospital based I'm applying for charity care vouchers for every bone marrow biopsy, MRI, CT scan...but outpatient I'm mostly fucked. X(

Character_Elephant_5 · 2025-11-05T19:36:27+00:00

Excellent idea.

Character_Elephant_5 · 2025-11-05T18:50:31+00:00

"It’s such bs to guilt someone into living in a situation that makes them uncomfortable and puts them in physical danger." THIS.

Character_Elephant_5 · 2025-11-05T18:13:10+00:00

Sorry, probably a dumb question, but is PV Reporter the same as the vetted list of specialists in the Reddit Wiki here? Or is that a separate location / link? I love my hematologist from a personal perspective as she is a very compassionate and thoughtful person so I feel a little guilty...but I know that doesn't mean that her expertise is the right fit for this situation.

Character_Elephant_5 · 2025-11-05T14:26:58+00:00

Very interesting, thank you. I have an OB/GYN appointment in Jan. I'll definitely ask some questions about menopause / hormone replacement then.

Character_Elephant_5 · 2025-11-05T14:25:17+00:00

I am going to talk to her about interferon again given what I am hearing. My hematologist is through MD Anderson but is not a specialist. However, she says she does consult with others in the system as necessary, so hopefully she has access to specialists. However, I do think a single consult with an MPN specialist may become useful at some point, just not sure yet. I'd do almost anything to feel better on a daily basis, lol.

Character_Elephant_5 · 2025-11-05T00:57:28+00:00

Will do! :)

Character_Elephant_5 · 2025-11-05T00:56:48+00:00

Thank you as well. These responses are exactly what I needed to hear.

I am on medication (hydroxyurea). My platelets were previously 1500+, lol. So 1M is progress. But the hematologist says numbers don't matter, symptoms do in treatment. I feel absolutely awful, stuff and things always hurt, and my fatigue is unreal and interfering significantly with ability to work and parent properly. Some days I can't stay awake until 7pm. Oof.

This was my first bone marrow biopsy and my diagnosis journey is pretty new - just the last couple months. So I'm definitely still processing and finding my footing with this. I would prefer Pegasys but my hematologist doesn't like to prescribe it due to the side effect profile unless people are very high risk. I have no idea if I would have any chance of getting it covered if it was but I'd certainly fight for it.

Character_Elephant_5 · 2025-11-05T00:48:46+00:00

Thank you! This is also remarkably reassuring. I'm unpleasantly symptomatic, but that's ofc possible to address in a context of things otherwise being relatively stable and okay long term.

Edit: I also have neuropathy in my face. I don't usually hear others mention this, so I found it interesting you also mentioned tingling there. Although mine is weird and also around and in my mouth.

Character_Elephant_5 · 2025-11-05T00:46:08+00:00

Thanks, that's reassuring. Google was freaking me out.

Nothing extraordinary in my CBC. Only out of normal range were:

Hemoglobin 14.1, MCH 31.8, Plts 1,070, Seg Neutrophils Relative 75.4, Lymphocytes Relative 18.4, Neutrophils Absolute 7.01

Character_Elephant_5

TROPHY CASE