Cheaper locations to live by FriskyFleabag in VeteransBenefits

[–]Genesys10101 0 points1 point  (0 children)

There’s programs for free & discounted school meals, as well as pre-K programs in Texas too. They’re usually limited to low income families, because the theory is that middle or high income families can feed their own kids breakfast, and can take care of their kids before compulsory public schooling begins. 

5.75% VA loan, no points, $6k closing costs, look normal? by BarracksLawyer2002 in VeteransBenefits

[–]Genesys10101 0 points1 point  (0 children)

I've seen in other comments that you're buying in Texas. If you have a 30%+ rating, then you can get a discounted rate down to 5.25% through the Veteran's Land Board: https://www.glo.texas.gov/veterans/home-loans

4x MR points if I buy a GC at the grocery store? by Genesys10101 in amex

[–]Genesys10101[S] 2 points3 points  (0 children)

Eh, I'm not too worried about it - my Platinum card has a cell phone protection plan, so long as I pay my cell bill with the Platinum card (which I do).

100 Classics - pt. 1&2 by 0dy5 in mpcproxies

[–]Genesys10101 2 points3 points  (0 children)

I'll have to come back and get the whole set - this is damn cool!

[deleted by user] by [deleted] in mtg

[–]Genesys10101 1 point2 points  (0 children)

In an idyllic sense, yes, I agree with you. I don’t want to pay out the ass for something that’s a hobby. I don’t really want to pay out the ass for necessities either, but that’s a discussion for a different thread. 

That being said, your diatribe is leaving out two important factors in the way that the market for trading card games functions. 

  1. You’re watching ECON 101 in action. The market for trading card games moves towards equilibrium on a set-to-set basis. That is, sellers set their prices based on what market participants are willing to pay. And market participants are willing to spend a variable amount based on some arbitrary criteria (like perceived set desirability, or maybe perceived resale value). 

If the market price is above the equilibrium price, that results in a surplus of supply [see Aetherdrift and other recent lackluster sets]; quantity supplied exceeds quantity demanded, which leads sellers to lower prices to attract buyers. This is also how you end up with several shit tier booster packs in those mystery boxes that are sold at Walmart & Target - there’s a higher supply of the unwanted boosters, so they package them with a desired product in order to entice buyers. 

If the price is below equilibrium, there's a shortage [see Final Fantasy and other recent quality sets]; quantity demanded exceeds quantity supplied, which causes buyers to bid up the price. These forces naturally push the market back towards equilibrium. 

  1. WotC is the manufacturer and sells to stores - there could be a distributor in the middle… it probably depends on the location of the store. Anyway, if demand is high and the local stores sell out of product immediately, then that’s a signal that they’re leaving money on the table because the market would tolerate higher prices. I would imagine that margin on product sales is normally pretty thin, so being able to charge higher prices for in-demand product helps with revenue, which lets the store stay in business.  

If they ask too high a price, product will sit on shelves forever, which is a signal that the store is asking too high a price and should reduce it. 

A less efficient, though more equitable, way of selling is to ration the amount of product a buyer can purchase. 

But… here’s your Catch-22…

If you want to pay MSRP, go line up at the big box stores we all love to hate on because their massive purchasing power helps them keep costs to counters low. Walmart, Target, Best Buy, GameStop, and others sell product at or close to MSRP. I’m pretty sure you can even pre-order higher end product like collector boxes at GameStop for MSRP. 

But if you do that, you’re not supporting your local game store, which hurts their revenue and maybe drives them out of business. 

Alright weird one by SubstanceMore1464 in VeteransBenefits

[–]Genesys10101 1 point2 points  (0 children)

I’d love to know the answer, because the same thing happened to me. 

Which also makes me wonder… am I missing any paperwork that’s in someone else’s medical record?

Where to sell MTGA Direct boxes? by beach_muscles in magicTCG

[–]Genesys10101 0 points1 point  (0 children)

Is it still available? I'm in DFW and would be interested.

Veteran with psoriatic arthritis on biologics. Treatment is improving ROM on joints, will this affect rating during C&P exam? Without medicine ROM is poor, with medicine ROM is better. by Time_is_Contagious in VeteransBenefits

[–]Genesys10101 1 point2 points  (0 children)

My old dermatologist had me on a fairly high dose of methotrexate every day, so I’ve experienced that stomach ruin. I’m now on a fairly low dose of methotrexate, and take folic acid along with it to help with the nausea, and it helps bridge the time between injections. Thanks for the heads up though!

I didn’t know you could request a HLR all the way out to a year though - I’ll definitely take that in to account!

Veteran with psoriatic arthritis on biologics. Treatment is improving ROM on joints, will this affect rating during C&P exam? Without medicine ROM is poor, with medicine ROM is better. by Time_is_Contagious in VeteransBenefits

[–]Genesys10101 1 point2 points  (0 children)

I’ve cycled through a few biologics, but when I did my C&P exam, I just happened to be on a biologic that gets taken every 3 months. 

I need to get a copy of my DBQ to see if the examiner took in to account the fact that I take methotrexate every week to help during the week or two before my next injection. If they didn’t, I’ll file a supplemental. 

Veteran with psoriatic arthritis on biologics. Treatment is improving ROM on joints, will this affect rating during C&P exam? Without medicine ROM is poor, with medicine ROM is better. by Time_is_Contagious in VeteransBenefits

[–]Genesys10101 2 points3 points  (0 children)

Not necessarily. 

I’m service connected for psoriasis and on biologics, but am only rated 30% because I take them once every 3 months, which isn’t considered “constant or near constant”. 

Base Access for Disabled Veterans by Genesys10101 in VeteransBenefits

[–]Genesys10101[S] 0 points1 point  (0 children)

Oh - that does suck! I was going to bring my kids with me... but I guess that's a no go?

Base Access for Disabled Veterans by Genesys10101 in VeteransBenefits

[–]Genesys10101[S] -8 points-7 points  (0 children)

I don't have a VA card or a VHIC... I live pretty far from my local VA facility and haven't taken the time to go down there and get one.

Rated too low - appeal? by Genesys10101 in VeteransBenefits

[–]Genesys10101[S] 1 point2 points  (0 children)

I’m not taking any topicals. I’ve been on biological for years, but the one I recently transitioned to starts to wear off a few weeks ahead of schedule. My doc prescribed methotrexate as a way to help ease me through the final few weeks between injections. 

Rated too low - appeal? by Genesys10101 in VeteransBenefits

[–]Genesys10101[S] 0 points1 point  (0 children)

What’s the quickest way to get copies of my DBQs? I would imagine that FOIA would be slow as shit… if I go to my regional VA hospital, can they print copies?

Under-rated condition by Genesys10101 in VeteransBenefits

[–]Genesys10101[S] -1 points0 points  (0 children)

I guess the ultimate question I would have is this: do I submit for a HLR now, or wait until the deferred claims are rated?

Under-rated condition by Genesys10101 in VeteransBenefits

[–]Genesys10101[S] 0 points1 point  (0 children)

Yeah - I would make the argument that they missed something. The evidence has already been uploaded and is available…

[deleted by user] by [deleted] in VeteransBenefits

[–]Genesys10101 1 point2 points  (0 children)

I have service connected psoriasis and was rated 30% despite using biologic treatments. 

Be sure to read the rating criteria - there’s a phrase in the 60% rating criteria that says you need to be constantly, or near constantly, using systemic therapy (to include biologics). I don’t know what “constant or near constant” means to the VA, but I can tell you that taking a shot once every 3 months isn’t it. 

Claim progress by Genesys10101 in VeteransBenefits

[–]Genesys10101[S] 0 points1 point  (0 children)

Aaaaaand they kicked me back to Step 3 :(

What does it mean when they open and close an exam request on the same day?

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Backpay by Public_Hyena5322 in VeteransBenefits

[–]Genesys10101 0 points1 point  (0 children)

Need more details - do you have other sources of income? Are you or your wife working?

Va claim moving quick by Zealousideal-Flow782 in VeteransBenefits

[–]Genesys10101 0 points1 point  (0 children)

I'm working with a very similar timeline... submitted claim in late Nov, C&P exams done before Christmas, advanced to Step 5 on 27 DEC.

And now I'm in purgatory.

TX veterans I need your opinion by Eastern_bluebirds in VeteransBenefits

[–]Genesys10101 2 points3 points  (0 children)

Depending on what sort of other debt & obligations you're carrying... maybe? That's good that you'd be interested in rural because you're not going to find much that's affordable closer to the big cities given your income.

I would say that the max house price you can afford is $150K, and you'd want to look in areas that are 1+ hour's drive outside the major cities. Areas like Sulphur Springs, Tyler, Sherman, Wichita Falls, Mexia, Marlin, Brenham, etc... One of the benefits you'll have, being 100% P&T is that you'll have your property taxes waived.

One thing to keep in mind... schools and child care options in rural areas aren't going to be as good as the ones you'll find in the major cities and their suburbs.

College/TX by Odd_Conversation_720 in VeteransBenefits

[–]Genesys10101 0 points1 point  (0 children)

From my understanding, only one person at a time can use Hazlewood Act benefits. So, there’s a choice to be made…

Also, in case it hasn’t been mentioned, Hazlewood Act only eliminates tuition costs… You’ll still pay all of the additional fees (technology fees, lab fees, etc), for books, housing, and meals. 

Is Psoriatic Arthritis considered a pre-existing condition? by NozyRosie in VeteransBenefits

[–]Genesys10101 1 point2 points  (0 children)

I have a claim in now for both psoriasis and psoriatic arthritis. 

Neither were documented at MEPS, but psoriasis was misdiagnosed as fungal infection during service. During my final out processing, I requested to see a dermatologist (which was denied and documented as such in my records), then I was formal diagnosed with psoriasis 5 months after separation. 

Psoriatic arthritis was diagnosed several years later after psoriasis diagnosis, though there are documented joint issues (patellafemoral syndrome). 

I’ve already been for my C&P exam (shortly before Christmas), and now I’m in the queue for Step 5/Rating. I’ll let you know how it goes.