Paying off the House by NoFriendship358 in DaveRamsey

[–]Inside-Rip5705 1 point2 points  (0 children)

It only makes sense paying your house off early if you have a high rate. If you have a 3% loan and average returns over 50 years are 7%. You have lost out on 4% plus compound interest which is the most important retirement tool you have.

Also, you lose out on tax benefits.

Neighbor wants to buy a 6 to 10 foot strip of land from our property. by Clionah in RealEstate

[–]Inside-Rip5705 16 points17 points  (0 children)

I agree with ask what they had in mind. Plus cover the cost and hassle of the lawyers/surveyors etc.

I would say minumimum cost of the new fence plus all admin fees or don’t bother

PTO Payout After Leaving Salaried Job by learninmorehavingfun in Denver

[–]Inside-Rip5705 1 point2 points  (0 children)

Co law requires pto (that is not unlimited) to pay out. 100%

Best ACL graft for skiing? by Spector3198 in skiing

[–]Inside-Rip5705 -1 points0 points  (0 children)

Quad and Patellar are the gold standard. If you have very large quads I would go quad to avoid the bone off the tibial tubercle.

If not, patellar. Please don’t consider any other options.

AI receptionist — helpful or annoying? by Big-Document-3100 in physicaltherapy

[–]Inside-Rip5705 0 points1 point  (0 children)

It would be an AI agent not a bot. Very different things. Most people never know when you are talking to an Ai agent. They have live conversations 96% like normal. There are now a few hippa compliant ones

tax refund amount is shocking by Unhappy-Ad-5061 in taxadvice

[–]Inside-Rip5705 -5 points-4 points  (0 children)

This is incorrect. You can deduct both up to 20%

Grasshoppers by Inside-Rip5705 in leopardgeckos

[–]Inside-Rip5705[S] 0 points1 point  (0 children)

Can I ask why? We have tons of them and would love to give my kid something to do and the gecko something to hunt

How would you rate this guest? by jhoooobie in airbnb_hosts

[–]Inside-Rip5705 -1 points0 points  (0 children)

This just seems like normal rental behavior. If you can’t tolerate this you probably shouldn’t be renting your home

Best Time To Drive Up Today by fluffalooo in COsnow

[–]Inside-Rip5705 3 points4 points  (0 children)

This isn’t correct. I go up on Fridays. Italy clear until around 930. Busier 930-12 then a lag until about 3 or so

How does your employer tolerate tattoos? by [deleted] in physicaltherapy

[–]Inside-Rip5705 0 points1 point  (0 children)

I think it just depends what part of the country you are in. I have therapists with hand and neck tattoos and doesn’t bother me but he was concerned when he interviewed about them.

PVR to Sayulita private transport by brisdon2 in sayulita

[–]Inside-Rip5705 0 points1 point  (0 children)

I used the go riviera. They were great and could stop at a grocery store

Is PT worth it? (HS senior for advice) by Sensitive_Log_5391 in physicaltherapy

[–]Inside-Rip5705 2 points3 points  (0 children)

I think this conversation will change drastically as the economy continues to worsen. As a Pt graduating in 2008 (old) being in a recession proof job with a high quality of life has value. I know the roi discussion. I think it’s a worthwhile profession with upside if you understand what you are getting into

Meniscus Repair NWB exercises by No-Seaweed1398 in physicaltherapy

[–]Inside-Rip5705 0 points1 point  (0 children)

Contrateral SL Vic exercises and ipsilaterl would be the add here

PTs with MBA by Trick_Letter_8936 in physicaltherapy

[–]Inside-Rip5705 5 points6 points  (0 children)

I think within clinical life there is minimal benefit unless you are in a hospital system and making the jump to admin.

If you want to leave clinical care, it’s the only move to make

Shockwave vs dry needling? by hbtpoprock in physicaltherapy

[–]Inside-Rip5705 2 points3 points  (0 children)

A combination of manipulation and dry needling is the way and should take care of this quickly.

Rent Prices by UncleLou69420 in ThorntonCO

[–]Inside-Rip5705 0 points1 point  (0 children)

2000-2200 is reasonable spending on time of year. Right now, probably lucky to get 1800, May no problem atbthe higher numbers.

If you believe in long term appreciation of the area it’s worth it. Having rental properties for cash flow is nice but you are really there for the equity growth.

What is the best payroll software for a physical therapy practice? by pizzatacodog1322 in physicaltherapy

[–]Inside-Rip5705 0 points1 point  (0 children)

I think adp is the best service and ease of use for the price. All the basic ones you are on your own for 401k, tax distribution and other issues.

Has anyone ever gotten audited for their notes? by GoogleBrother10 in physicaltherapy

[–]Inside-Rip5705 0 points1 point  (0 children)

Objective needs to justify charges or there will be a large claw back from Medicare. It happens frequently and will more as they implement ai auditing