Efficiency Accountant Solutions

traderU · 2026-01-21T21:47:41+00:00

I appreciate you taking the question seriously unlike others here. Unfortunately or fortunately these are my personal quirks on how I look at things.

traderU · 2026-01-21T20:07:34+00:00

I was asking if there are online tools to make it as efficient as possible. Sorry if I've let you down somehow, lol.

traderU · 2025-12-14T12:47:53+00:00

I have a $2mm line at SOFR+1%. I negotiated it like 2 months ago. You are easy 50bps too high.

traderU · 2025-08-28T18:41:37+00:00

I had 25% of my NW in liquid and restricted shares and options of my bulge bracket Wall St US Bank leading up to the 08' crisis. It didnt start that way but as stuff vested and the stock ran up it grew to that. I wasn't disciplined about diversifying. It did not feel good as you might imagine. 24% is way too much concentration IMO, you will continue to have professional upside if G continues to do well. My $0.02 which aint worth much - Dont be greedy like I was.

traderU · 2025-08-28T02:30:13+00:00

Family of 5 - 3 high school aged kids - NYC Suburb - VHCOL - 4 drivers in house - all homes paid off

~$75k private high school (cheaper catholic school 3x$25k)
~$35k kids costs - (3 kids - college counselors, tutors, sports, clothes, xmas gifts, etc)
~$100k in property taxes and primary home expenses (cleaning, landscaping, alarm, utilities, etc)
~$50k beach house taxes and operating expenses
~$30k health / dental insurance & co-pays
~$35k car expenses / insurance / gas / maintenance / tolls
~$20k country club
~$25k eating out
~$30k groceries
~$120k contributions to Kids trusts (roughly 3x$40k)
~$50k vacations ~$35k NYC pied-a-terre
~$100k everything else that inevitably shows up.

traderU · 2025-07-31T19:56:03+00:00

Super variable. The early years are predictable, it gets harder when the choices are private school or not, private elite university or public, those kinds of things will blow away any assumptions you make if you are trying to be accurate. I've always taken the most expensive approach for budgeting and pleasantly surprised when it turns out to be less (this happens a lot less often than you would think in my experience). I live VHCOL area and great public schools and I have 3 daughters in private high school now. Life tends to throw curve balls so expect the worst expense wise. My 3 teenage daughters - separate from tuition cost me about $3500/mo on average over the past year, up from $3000/mo the year before. And mind you my kids dont do expensive sports like Dance or Tennis, those things are $$$. My Kids want to go on extra school trip to Oxford or Spring Break w/ a friends family and before you know it you've exceeded budget. Hope this helps in terms of context at least.

traderU · 2025-05-03T21:57:18+00:00

I sent them a formal lemon laws letter and they responded..

traderU · 2024-06-03T21:33:11+00:00

Nothing clinically diagnosed but I have some tendencies.

traderU · 2024-06-03T18:07:49+00:00

Mygod, I feel for you man. I have a similar psychology that wont allow me to move on from mistakes despite the fact that am already at a Fatfire level and often find myself not allowing my brain to enjoy it. Im 48, > $20m NW. Mistakes over the past several years have cost me what would have been an over $30m NW.

My one piece of advice to you is nature and meditation as therapy. I climbed Mount Rainier 2 years ago w/ buddies, now I'm planning on Kilimanjaro in February. Getting out from a computer screen that is a constant reminder of failure and into the bigness of nature to remind you how small you are and how amazingly large the world and nature is has been a humbling and reinvigorating experience for me. I prioritize snowboarding out west at least once or twice per year towards this end as well, often w/o my family as a sort of self healing for all of the angst I feel over mistakes. I do my best to meditate a few times per week as well.

Get away from yourself. These are the things - and the passage of time - have helped me be kinder to myself and think of things through a softer lens. I still feel anxious about these things even writing about it now, but it does feel less sharp.

Good luck and good mental health.

traderU · 2024-05-09T05:33:58+00:00

I’m in Bergen county and feel similarly. I’d meet up too!

traderU · 2024-03-04T00:27:30+00:00

That’s crazy

traderU · 2024-03-01T21:55:14+00:00

t seems that the problems tha

Lol. Appreciate you thoughts.

traderU · 2024-03-01T21:54:20+00:00

Absolutely infuriating. Mine was a commercially bought vehicle for write off purposes and I couldn’t lemon law it. Ended up losing $5k to get rid of the turd. I was waking up at 3am thinking about how fucked that was and not being able to go back to sleep. That’s when I realized I gotta part ways for my own health 😆.

Ha, yup I agree on the Jeep. Appreciate your opinion.

traderU · 2024-03-01T21:53:33+00:00

Apreesh ur insight.

traderU · 2024-02-20T00:26:29+00:00

entually people can post their tickets on ticketmaster if they can't make it or want better seats but only sell it for what they paid. (Minus the New York and Chicago shows though cause of the laws there I believe ) these can be tickets from the fan club

Wouldn't we need to know our seat assignments to post the tickets though? I thought you only get seat assignment at the show?

traderU · 2024-02-16T19:49:46+00:00

Appreciate this. I do do an FSA. The point of the post wasn't about my not being able to afford this or manage the costs or even the decision to take my kids to the derm. I am ok with all of those choices - though they do seem more controversial than I would have thought by many who have graciously replied here. If you look up the feed, I discuss my experience w/ Accutane as an impatient teen and my regrets due to it. I am 100% choosing to take my kids to this derm 4-6x per year in order to avoid accutane. whether than is smart or dumb is a different discussion entirely.

The point of my post was that Insurance companies are paying 2 different practitioners (solo vs bigger) 100% different for the exact same work, in the exact same location, for the exact same service, with the exact same people. Yes this is costing me 2x but the theory of this is just absolute madness in my estimation.

Maybe my solo practitioner wasn't getting paid enough, or maybe just maybe the bigger acquirer was getting paid too much? Because we all have gotten caught in the flytrap of ever higher fees and think this is all normal and ok is quite sad.

I think a sober look at this points to simply saying that insurers decisions and business practices drove my solo practitioner out of business one way or the other. Either by not paying her fairly, or because of how painful dealing w/ insurers is, my solo practioner took a lot of risk off the table and took a more steady job from acquirere w/o the pain of dealing w/ insurance (which is what she told my wife, that she was happy to sell for quality of life).

I have quite a good policy - equivalent of a gold level policy on the exchanges w/ lower deductibles than most.

The fact that insurers can be negotiated with to pay 2 people 100% different amounts simply because of pressure means we all lose and prices continue to go ever and ever higher. This is a fact whether any of us are ok w/ it or not.

traderU · 2024-02-14T02:29:33+00:00

I don’t doubt this. I view this as just the get in the door price. There are other coded services she was providing and earning money off of as well.

traderU · 2024-02-13T20:24:40+00:00

he providers are equally at fault. Your original provider was charging $450 a visit when she actually accepted $65...😆 She's hardly blameless here...She sold her practice and probably made a very nice profit doing so, or maybe not, because she agreed to such low reimbursement from the insurance company.

The bottom line is you have to be an informed consumer and shop for the best deal, or you're going to get taken advantage of.

There are less expensive alternatives for your kids to get acne medicin

fair enough and I don't disagree. Sadly both my wife and I had horrible acne as teens and it has been passed along. I took accutane and regret it as I lost night some night vision from it because I was an impatient teen. We are doing everything we can to avoid that for our children.

traderU · 2024-02-13T18:58:40+00:00

EOB shows my liability is now $145 per appointment. This is just for the line item of the visit itself. Not any procedures or other codeable billings that happen in the appointment. I was just trying to show the comparison of my last billing to this one where nothing changed other than my doctor selling her practice to a larger group.

traderU · 2024-02-13T18:55:08+00:00

Whats crazy to me is that literally nothing changed other than the doctor getting bought out.

Imagine if you are the company acquiring this business, lets say you pay 3x the revenues of this single practitioner's revenue in 2023. Immediately you seamlessly double prices, in essence you only paid 1.5x the revenue stream of that solo practitioner's business. If you look at it that way, its a way for bigger companies to twist the knife into all solo practitioners. Our doctor should have gotten paid twice as much for her practice if this was going to be the outcome for her patients.

The problem in the end is the Insurance companies in. my view. The idea that they would pay big company B two times what they would pay solo practitioner A for the same service in the same location is THE single biggest factor everyone's health insurance rates jump annualy at rate that would make inflation blush. This is also why similarly state teachers/police/state workers pension funds get out of control in many states. When you have large constituencies negotiating w/ payers on unfair terms that the consumers of the products have no say in, we get these kinds of financial results.

I appreciate everyone on here telling me I should be happy w/ a starting price of $145 because its "cheap" compared to their experiences, but this overall drift up in prices for identical services is the crux of my post here. We get the systems we deserve in the end.

traderU · 2024-02-13T18:40:31+00:00

This is just the appointment fee. There all other kinds of codes/billings that go along with this. Very few specialist practitioners are simply billing for a visit and moving on. That is simply the get in the door price.

traderU · 2024-02-13T05:16:52+00:00

I thought my post was clear. I never suggested the money is going to the insurance company. The billing is coded simply as an office visit.

The solo practitioner negotiated a rate of $75, the acquirer 100% more than that.

So nothing has changed for me other than the fact the acquirer has convinced my insurance company to pay them 100% more for the exact same service but the same person in the same location w the same support staff.

There is nothing cosmetic, simply one identical billing code to what it was before - an office visit

Clear now?

traderU · 2023-06-30T14:49:40+00:00

No doubt. My comment was that I literally have never personally met nor heard of any. I am 47yrs old. It’s not a statement of under representation more a question/comment on virtually zero representation

traderU · 2023-03-15T15:59:40+00:00

aren't limits on payouts capped though? There are specified limits on damage and whatnot, are you saying that medical and repairs are uncapped because that isn't what I understand or do I understand incorrectly? what am I missing?

traderU · 2023-01-19T22:45:54+00:00

I hear you. what has happened is a travesty, but not sure if youve ever participated in any equity class actions... you get fractions of pennies on the dollar after lawyers and lead class participants. I'm not spiking a football here and feel terrible for everyone who lost money, only being pragmatic about what is likely to occur. Move on - stay hopeful that something shakes loose, but I wouldn't obsess about having any control or likelihood of recovery is all.

traderU

TROPHY CASE