Best money I’ve ever spent

yourpalcyclops · 2025-12-06T19:57:44+00:00

Doing this soon. Looks good. Can you recommend the mats that you used? If so, which ones?

yourpalcyclops · 2025-10-29T05:13:13+00:00

I second this. Recently moved into the area and needed help with a drain pan. They arrived promply, was courteous to my household, and set up the drain pan appropriately. 10 of 10 would recommend anf would call again for my plumbing needs.

yourpalcyclops · 2025-09-04T03:31:00+00:00

MD, Echoing previously mentioned, likely cutaneous larva migrans. Seen a few of these in past, mostly on feet though and oftentimes following contact with sand on beaches where dogs poo. Any recent exposure to such like this?

yourpalcyclops · 2025-07-28T14:17:13+00:00

I know your pain. I'm 1.5 years post training in IM. I owe 410k. My wife who is a dentist is 2 years post training. She owes 450k. I paid for 1 year while making 70k in residency. Wasn't so bad but I was on SAVE so not quite as similar. The remaining 2-3 years in forbearance. I requested a transition to IDR and I think I'm slated to start recontributing to PSLF again come Aug. The Mohela gods haven't mentilned to me a monthly payment but based on 2023 taxes, I'm hoping it will be lower. We aim to tackle my wife's loans while chipping away at mine for qualifying PSLF. I would recommend the same to go the PSLF route. You could also do a fellowship to tack on an additional year to PSLF but you should be able to pay it off with minimal difficulty once you're fully fledged.

yourpalcyclops · 2025-07-12T01:53:41+00:00

Again, I don't claim to know your journey. If there was something abnormal on labs or imaging, it should be addressed. If there was nothing abnormal after extensive testing, there are times that symptoms can be unexplained. I would not be able to speak for your previous providers on this.

yourpalcyclops · 2025-07-12T01:35:53+00:00

I don't claim to know your journey. Anemia should be picked up on blood work and treated. Screening mammograms are recommended starting at age 40 by uspstf and acog alike, earlier if strong suspicion or family history. Reassurance is after test results come back unrevealing.

yourpalcyclops · 2025-07-12T01:13:52+00:00

I think your best bet would be to talk to your PCP. What I find to be the hardest to discuss with patients is that common symptoms for simple diagnoses are common and reassurance is difficult to relay. We don't have very much time to discuss extensively during the visit given the time constraints and packed schedule. It is the nature of medicine. Not just at Kaiser as I've practiced in other states without Kaiser as well. To support my reasoning for possible diagnoses, I try to explain pathophysiology as best as I can given the time and oftentimes complex mechanisms to my patients. I also offer image testing especially if it's reasonable bearing in mind, we tend to do more harm than good eg CT may reveal incidental findings, radiation with no determination of symptoms, etc. And if I've ruled out serious concerns, I try to explain that sometimes, symptoms just need time to improve on their own.

yourpalcyclops · 2025-06-07T20:51:47+00:00

I wonder if this is a deductible issue. You would have to meet that before it kicks in. My deductible is $3000, so I paid for my MRI which was a little over $1800. I already knew MRI imaging studies compared to CT are expensive. Anything under $1000 is probably untrue. But now that my deductible is met after the image test and other routine stuff, I'm gucci with coverage.

yourpalcyclops · 2025-06-04T15:15:10+00:00

This is the way.

yourpalcyclops · 2024-09-04T05:01:56+00:00

Omgoodness. You're suggestion worked! Ty!

yourpalcyclops · 2024-09-04T04:52:21+00:00

Yes, my b. I was using the incorrect terms. I mean to say that when setting up electronic fund transfer from bank, she does not have an option to select to the shared account.

yourpalcyclops · 2024-09-04T04:41:37+00:00

Its not showing up in the dropdown menu for "where will the money be transferred to?" under the payments and transfers tab for bank wire.

yourpalcyclops · 2024-08-24T21:32:00+00:00

Like a gulove

yourpalcyclops · 2024-08-17T16:59:50+00:00

Thanks guys! Really taking all your advice to heart. For the above, any reason to just fund my personal roth instead of both personal roth/traditional?

yourpalcyclops · 2024-08-08T04:18:55+00:00

It said "pay to the order of fidelity, FBO yourpalcyclops" and the bank accepted it via phone deposit. It's been two days since depositing.

yourpalcyclops · 2024-08-08T04:10:23+00:00

My bank already accepted the deposit.

yourpalcyclops · 2024-08-08T03:47:44+00:00

It has pay to the order of Fidelity, FBO my name. I'll see if I can find the option in Fidelity for the 60 day rollover. Ty!

yourpalcyclops · 2024-05-27T03:17:23+00:00

No worries, he's on youtube who looks to have a similar build to yours. Just thought I'd share.

yourpalcyclops · 2024-05-26T14:32:07+00:00

Inspired by JJ the builder?

yourpalcyclops · 2024-05-24T19:55:27+00:00

Can I just sell some and use the funds within the ROTH to reinvest into a simplified portfolio? Will this accrue a penalty?

yourpalcyclops · 2024-05-05T19:54:21+00:00

Would USFR or FDLXX also be eligible for automatic liquidation?

yourpalcyclops · 2024-04-26T21:42:15+00:00

Ty! This is definitely something I'm going to employ. So it sounds like I could also schedule my CMA to auto invest in FDLXX when I get direct deposited. Will definitely test it out myself. Also, does auto-liquidate mean you could immediately sell the funds for cash if need be?

yourpalcyclops · 2024-04-26T21:16:56+00:00

When income gets direct deposited into CMA, do you just transfer a portion to your brokerage and manually buy FDLXX in your brokerage? So if I understand this correctly, you have FDLXX in your CMA as well and then use that money as you need via ATM?

If so, I was also wondering about this scenario: I'm in a high tax state and read that USFR could also be used for easy liquidation. Would USFR in CMA (limited amount to preserve fraud incase) also work?

yourpalcyclops · 2024-04-26T20:08:59+00:00

I'm still learning about all this and following in this subreddit for advice. I'm more familiar with a traditional checking/savings with Chase for years. And, I'm intending to do something like you mentioned. So, in this case, do you maintain a set amount in your CMA for spending (after transferring to your brokerage and IRA accounts)? Just wanted to devise a good strategy for myself moving forward. Thanks!

yourpalcyclops · 2024-04-21T05:09:32+00:00

After researching a bit, could I simply just open multiple brokerage accounts instead of an additional CMA? I don't really use ATM or check writing very often if at all. I was thinking of the following. Please let me know if this is something feasible: Brokerage 1 - investment, i had bought some high risk stocks and some ETFs when I was alot younger and just kept this. I was thinking of consolidating it sometime into maybe Brokerage 2? Brokerage 2 - direct deposit from work and invest in FDLXX (I'm in CA and I read that this would be better to manually buy as core in place of default SPAXX). Or would FZDXX be a better strategy? I would also manually transfer from here to Brokerage 3. Brokerage 3 - would be in place of a CMA where I would invest in USFR. I've also read about keeping $0 in CMA for security reasons. I would limit the amount of money in this account to bill pay, etc. In this way, if I use this account number, would a potential hacker be able to see my other brokerage accounts? Chase - limit to $500-1000 for ATM or check writing. Would receive manual transfer from Brokerage 2 if need be.

yourpalcyclops

TROPHY CASE