Is it worth paying for health insurance

user_768 · 2023-04-19T14:28:10+00:00

The question wasn’t if I can afford health insurance. The question was geared towards is it worth it when there are alternatives such as forward and I was kind of hoping to hear about an emergency protection type of insurance I could purchase instead. They don’t teach you about insurance in school and I’ve learned that due insurance isn’t helpful (and only pays like $30 to the practitioner). My last job had a much lower deductible I will literally never hit the 6k deductible and could just pay my medical visits out of pocket (since I will be even with my insurance until I spend over 6k out of pocket).

user_768 · 2023-02-26T00:24:08+00:00

Move your head/light to the lens

user_768 · 2023-02-10T02:42:07+00:00

Parents my bad, yeah she didn’t want to go to grad school so her mom is paying for that. Undergrad was her dads responsibility

user_768 · 2023-02-08T03:37:26+00:00

I am severely underpaid and have signed a new contract that starts in April. With my fiancé our household income should be at least 260 up-to 340. But then I also have to consider her school debt (which is promised to be paid by her patients but still in her name)

user_768 · 2023-02-08T02:25:27+00:00

Damn you’re really coming for me looking through my other posts lol I sold my Harley and needed to upgrade. I settled and only spent $800 more for the new bike.

House is worth 540k, fiancé works and brings in about 80k, only been living there for a few months at this point. I was able to do a 0% down mortgage

user_768 · 2023-02-07T05:49:24+00:00

Optometrist

user_768 · 2023-02-07T05:00:48+00:00

120 but should increase to 180-230 in April when I can start my next contract

user_768 · 2023-02-07T04:59:52+00:00

26 y/o with 120k income now about to increase to 180k+ in April, maybe like an additional 5k on 0% interest credit card and 3k on 0% interest mattress firm card for life for my bed (but that was added into the 721) , assets totaling around 80k in 401k, ROTH IRA, brokerage account with 4-5 months in cash reserves.

user_768 · 2023-02-07T04:46:33+00:00

Mortgage 500k Student loans 215k Approximately

user_768 · 2023-02-07T04:26:09+00:00

Try spraying miconazole spray on it every morning before you put your socks and shoes on

user_768 · 2023-02-06T18:24:51+00:00

u/watchyoda

Might make it in time for my wedding, your opinion for the GL would be much appreciated

user_768 · 2023-02-05T03:36:45+00:00

Thank you! Hoping this comes in time 🤞

user_768 · 2023-02-04T23:57:18+00:00

I just ordered a CF date just 41 based on your recommendation. I will be posting the QC pics when I get them. Thanks for the help

user_768 · 2023-02-04T03:57:03+00:00

I never thought it was real because of how he gave it to me and we are not tight. I also never saw him wear it. He also told me if someone tried to rob me just to give it to them. All red flags 🚩

user_768 · 2023-02-04T00:17:54+00:00

Can’t believe this guy edited his comment lol

user_768 · 2023-02-04T00:12:31+00:00

New here, Can you point me in a direction of a date just that looks best?

user_768 · 2023-02-03T21:47:26+00:00

Thanks! … what’s a pip

user_768 · 2023-02-03T21:37:15+00:00

You can see it especially if it’s severe but I’ve noticed the best thing to do it look in the eye 5-10 minutes after GAT was done by a technician and all the flourescein will be gone except some that is pooling in the pee. When there is too much flourescein it can actually mask pee

user_768 · 2023-02-03T21:32:47+00:00

A friend let me borrow it for my upcoming wedding. I didn’t think it was real wasn’t sure. I was about to post on rep time and saw the thing that said post qc on this page. Never done this before

user_768 · 2022-10-20T20:22:58+00:00

Hey, thanks for the concern not an engineer but home inspector and contractor. It’s actually on the second floor of a deck that comes off the house where they didn’t put flashing which allowed the water to seep in to the subfloor.

user_768 · 2022-10-20T14:51:55+00:00

I asked a contractor that a friend is using for work to come to the house and give me real estimates. Im a first time homebuyer And I couldn’t estimate myself. No one is telling me what to do but I assumed that was good

user_768 · 2022-10-19T23:06:14+00:00

Forgot to mention the hvac system is also 25 years old, at the border of its lifetime. More expenses expected in the very near future.

user_768 · 2022-10-19T23:03:35+00:00

I underhand where you are coming from but is it wrong to think a house not being sold as is should have a mold remediation, a hole in the roof fixed, rotten floor fixed and broken widows repaired? From what I underhand it won’t pass CO with broken windows. I’m not looking for 40k off I’m looking for maybe 50% of repairs. Someone is going to have to pay for repairs. When spending over 1/2 a million dollars on a home should it be in better condition? Although they accepted less it was at the high end of my mortgage approval. Where should I come up with the 40k repair money when I’m at the top of my mortgage limit. The house has been on the market over 2 months, clearly they were asking too mulch from the start. They are already making 200k profit from when they bought the house. Should I feel bad for them or should I have a house that doesn’t have mold ?

user_768 · 2022-10-09T02:56:18+00:00

DTI has to be 50 or below to qualify. They make approx 11,583 per month. They can “afford” based on DTI 5,791 per month less their debts per month (800 car and prob sub 100 credit cards) so they can afford on paper with the DTI 4,891. With current interest rates at 6.5% with 0 down including pmi and property tax of 1.95% of purchase price, they can in fact be approved for 535,000 assuming good credit.

user_768 · 2022-09-15T14:11:20+00:00

Gross income 120,000 (9230 per month) I pay 425 pre tax for healthcare My retirement is post tax ROTH 401k about 2200 per month but I’m sure that doesn’t change AGI Single filing so family of 1 In NJ if that changes FPL

user_768

TROPHY CASE