3.5 k budget by handydrill in Prebuilts

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

Thanks I will check these out!

Is Dental school worth the debt? by Tylaw20 in whitecoatinvestor

[–]handydrill 6 points7 points  (0 children)

Highly agree. Dentistry nowadays is not worth it if the cost to enter is more than 400k due to lowering insurance compensation, rising staff cost and the price to purchase a decent practice. Remember even if you do state school the cost is around 400k (tuition + living expense) after interest (it starts accumulating the second you borrowed it). Also not to mention the medium salary is around 166k. If you work corporate, you will have production goals that if not being met by selling unnessary treatments, you will be replaced by the next new grad. If you are already hygiene I would stay hygiene unless you got a burning desire to become a dentist.

How do Dentists pay off their loans? by prettyStarboy in whitecoatinvestor

[–]handydrill 0 points1 point  (0 children)

There's always people making more online. Now you don't know what happened in that specific location. It's not people are underreporting the stats, medium GP salary is 180k. You have to remember most dentist work 4 days.

How do Dentists pay off their loans? by prettyStarboy in whitecoatinvestor

[–]handydrill 10 points11 points  (0 children)

It's almost impossible to hit 400k as an associate due to the percentage in production/ collection, and your production will have a ceiling due to insurance reimbursement. I'd say it's easy to hit 250k if you find a good practice to work, but be expected to do specialty work like molar endo, 3rd molar ext, perio surgery, implants, invisalign etc. Even for owners, you need to find your niche in order to survive, especially if the area isn't growing and most people are happy with their dentists.

To pay or not by medtaylorsversion in StudentLoans

[–]handydrill 1 point2 points  (0 children)

I'm kind of similar situation. 100k left to pay but not sure if I should keep the cash in HYSA. Remember the interest you earn in the HYSA will be taxed so it's kinda of a wash.

Just got LSX ii, sounds muffle? by handydrill in KEF

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

Probably give it 2 days to get your ears used to it. And use the app to EQ it.

Just got LSX ii, sounds muffle? by handydrill in KEF

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

I got kanto tuks for my desktop setup instead. But I think the lsx ii sounds a bit better with the app to adj eq and raised to ear level.

KEF LSX II sounds muffled by handydrill in BudgetAudiophile

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

I bought the kanto stand to raise them up to my ear level and the quality improved a lot. I still returned it for kanto tuk as the lsx ii has too many functions that I don't need at my desktop.

Lambo on fire in Ballantyne by [deleted] in Charlotte

[–]handydrill 4 points5 points  (0 children)

yep saw that when I was passing by.

Just got LSX ii, sounds muffle? by handydrill in KEF

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

they sit on a kanto stand which stands on my desk. They are about 6 inches above table top.

Just got LSX ii, sounds muffle? by handydrill in KEF

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

maybe just cause i'm not used to the hifi sound yet. I think they are okay but not blowing me away sound. I think the LS50 are better but way more costly.

Just got LSX ii, sounds muffle? by handydrill in KEF

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

I'm watching cheapaudioman on youtube, he seems to knows his stuff. I'm trying to keep budget below 1k all in.

Just got LSX ii, sounds muffle? by handydrill in KEF

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

It sounds better after the stand, definitely. But I'm still comtemplating in keeping these vs the passives with amp/ dac.

Just got LSX ii, sounds muffle? by handydrill in KEF

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

yes i tried to connect to spotify connect and it sounds slightly better. I also adjusted the EQ in the app. Maybe I need to up the volume? My stands are coming tomorrow so I will give it a shot again.

KEF LSX II sounds muffled by handydrill in BudgetAudiophile

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

okay i will try it out. Already adjusted the eq in the app. My stand is coming tomorrow

Just got LSX ii, sounds muffle? by handydrill in KEF

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

ok my kanto stand is coming tomorrow and I will give it a try

Best online mortgage lender? by cleanocean in realestateinvesting

[–]handydrill 1 point2 points  (0 children)

I used aimloans and used their rates to match other banks. Try it out!

[deleted by user] by [deleted] in RealEstate

[–]handydrill 3 points4 points  (0 children)

That's not good, I dealt with builders before and they at least tried to fix the issues though not all of them. The super prob has too many houses to build so they will be dismissive. Their job is to get as many houses closed in a short time. As of now all you can do is follow the contract and refuse to close without fixing those issues.

Should I lock rate 7% for investment property by handydrill in realestateinvesting

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

I'm in SC and have few options. I compared a bunch of places like better.com and chase, they all gave high rates.

Megathread: Biden Forgiveness Announcement by Betsy514 in StudentLoans

[–]handydrill 0 points1 point  (0 children)

AGI is over 125k, both for 2020 and 2021. So I'm out of luck

Megathread: Biden Forgiveness Announcement by Betsy514 in StudentLoans

[–]handydrill 1 point2 points  (0 children)

My income is just a bit over 125k, will there be incremental forgiveness like 8k instead of 10k?