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El Karacho1647545492

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Posts posted by El Karacho1647545492

  1. unless you have something very complicates...do free a one online...basic will that you have notarized will be good for most people. or pay rocket lawyer if don't trust the free ones

     

    I disagree. The last thing you want to do is leave a mess in probate because you were too cheap to pay a real attorney with real experience to do the job right the first time.

     

    It's not about just having a will, it's about having a document/directive for surviving relatives that prevents as much conflict as possible. Self-styled legal documents can be more harmful than helpful.

  2. James Jones... the only person I’d trust. Best in the area.

     

    James is a personal friend and a top notch guy. He's ASHI Certified, which means he actually took a supervised exam rather than a DIY-at-home exam which is required for the other cert that most people get. IIRC he said he's one of 17 in the state to pass this exam.

     

    As with the couple people in this thread, anyone who's used him once can't conceive of using someone else.

  3. Any Crew fans still on here??? It's been an interesting week!

     

    So...earlier this week there was an article that Austin is now not too keen on giving up city park space to Precourt to build a new stadium.

    https://www.bizjournals.com/columbus/news/2018/01/24/crew-roundup-mls-extends-olive-branch-to-columbus.html

     

    Last night, the Commissioner for MLS out of NY was saying that he is lobbying for Crew to stay in Columbus, or for MLS to give something to C'Bus.

    https://www.si.com/soccer/video/2018/01/23/mls-commissioner-don-garber-columbus-crew-relocation-austin-texas

     

    Sounded like Austin wasn't becoming such a slam-dunk...but I'm not naively holding out much hope.

     

    https://www.bizjournals.com/columbus/news/2018/01/26/crew-sc-owner-talking-with-potential-investors-in.html?ana=e_colum_bn_breakingnews&u=IGw%2BQupQDpXCE9vhBhveIg0ebf6f75&t=1516991170&j=79662151

    MAD PROPS to whomever is keeping the Columbus door open to the Crew, be it under Precourt's ownership or paying him to leave it. Cool things are happening in Columbus these years...would still be a shame to lose the Crew in '19.

     

    IMO there's zero chance PSV owns the Crew past 2019. He's having to come back to the Crew hat in hand looking for assistance. He had his eyes on a single spot in a single city and now that he's not getting his way, he's bailing. I thought he was a shrewd businessman when he got Hunt to sell the team for basically nothing and got the contract that allowed him to do this, but by not negotiating in good faith with Cbus this whole time he completely screwed himself. If he had, it'd simply be a matter of accepting what one would assume is an aggressive bid by Cbus that'd be on his table by now. Instead, there's no plan for him to accept and he's coming to ask for one.

     

    I hope the Columbus Partnership puts the screws to him and he has to sell for pennies on the dollar. It won't happen, but I hope it does.

     

    I sent in letters of support to the Austin TX city council for not just dropping trou and allowing him to dictate the plan, hopefully they stay strong and the team, without PSV, stays in Cbus.

  4. Man, y'all are inferring a LOT about my conversations with my medical provider. I worked in car sales, I ALWAYS ask about costs. However, most staff are not well versed in billing or pricing and instead of "let me get you an answer about that" the reply was "oh these tests are pretty cheap and we do everything we can to reduce the number of them. We do 8 at first and then if there are more needed, we go forward with that."

     

    I expected there to be a bill based on that. The 8 tests the nurse claimed were cheap were $13/each. Not bad. Except it wasn't 8 tests, it was 64 of them. That's a difference of over $700. They were unwilling to write off the difference (which I asked for in my conversation with them) because they provided the services.

     

    I was at the office for 5 hours doing those tests. I have a pretty flexible work schedule, but there's shit i have to get done and I don't have hours to sit down with a billing expert and discuss an itemized estimate of the services the Dr. would like to provide me.

     

    Kirk, when I ask for a quote from an auto shop, they provide me with the parts and prices, and their diagnostics are usually pretty cheap unless they're doing an engine teardown to diagnose. I get that healthcare is orders of magnitude more complicated, but I am not cheap when it comes to my health. I simply don't like being misled, and it's IMO reasonable to expect that anyone engaging in a conversation regarding the costs of healthcare should be well versed enough to speak authoritatively or knowledgeable enough to punt that conversation to someone more appropriate.

     

    That's what my gripe is; that the financial side of healthcare requires a goddamn MBA to effectively understand, and that it is a FOR-PROFIT enterprise. I don't mind profit, but if you're going to profit you have a duty to be at least somewhat transparent and accountable.

  5. So did they do the scratch test on your back with that thing I linked above? Also, did you see Bagenstose (the dad)? He's who I see. I like him.

     

    Yep, Dr Abner Bagenstose. And you were spot on with your guess. 8 tests, each of which has 8 "scratches" per test, so 64 total tests.

     

    Fair enough. I still think the way we hide the costs of healthcare in this country are ridiculous, if I'd known how much of this my insurance wouldn't cover, I would've just dealt with a chronic sinus infection and gone on with my life.

  6. Lol. It really doesn't sound like there is anything to contest. He went in to find out what he is allergic to, and they did a full panel of tests. I'd have to go see if my Aetna page shows what allergy testing cost me back in 2013 but I want to say it was like $900 before any insurance adjustments/payments.

     

    edit - in 2013, billed charges were $892.50, after insurance adjustment it was $587.32.

     

    This is what I figure will end up happening, and right around the same amounts.

  7. I have a fairly specific question, I don't mind exposing some of my medical history here. The short of it is that a few months ago I went to Ohio ENT to test for allergies because of a recent (last 2 years) uptick in sinus-related illnesses. They 8 initial tests, then 21 follow up based on the 8 initial ones they did.

     

    I recently got a bill for the balance of what my insurance didn't cover. On the bill, CPT Code #95024, "Intracutanous tests with allergenic extracts, immediate type reaction, including test interpretation and report by a physician, specify number of tests" shows a 21 units administered. No issue there. However, CPT Code #95004, "Percutanous tests with allergenic extracts, immediate type reaction, including test interpretation and report by a physician, specify number of tests" shows 64 units administered.

     

    They only pricked me 8 times initially, anyone familiar with this and why it shows 64 aka 8x8? I want to contest this portion of the bill because it is by far the most costly, but I don't know enough about these tests to stand on solid ground. My google-fu has failed me so far.

     

    Am I way off base here?

  8. Its not.

     

    Viscosity gets significantly "worse" near freezing- in most cases double what it is at 40-50deg.

     

    http://www.viscopedia.com/viscosity-tables/substances/engine-oil/

     

    With tighter clearances in today motors, that will keep your shit at about a bajillion PSI oil pressure on cold start when its 0* F. One of a few reasons why a lot of manufacturers have moved to a 0-30 and 0-20

     

    That's sorta the logic I followed, I'm surprised more modern engines don't mandate changes seasonally as well as miles depending on location.

  9. That's pretty cool. I want some vintage islanders stuff for the home office.

     

    As for what I received, Two Bauer hockey sticks (Nexus 1N), some clothes, Bean Boots (despite being slightly too big I love them), some clothes, gift card to Duluth Trading, etc... Was really hoping for a new circular saw but thats ok.

     

    Even better was the reaction from giving the gifts this year. All the kids were super happy about theirs, got the GF a new front porch swing (which I now have to install), clothes, some other stuff I dont remember off of the top of my head. Overall a successful Christmas.

     

    My buddy who got me the poster comes from an Isles family. His dad's got a signed Mike Bossy jersey on his wall. Always loved that one.

  10. What I got doesn't really matter. However, my son got his first car, a '7 Matrix (M Theory Edition) with a manual transmission because he wants to learn to drive in a car with a manual transmission. Blue is his favorite color.

     

    http://i.imgur.com/MZBIvnRl.jpg

     

    About an hour after that photo was taken, a good friend of mine took him out in the car and coached him on how to balance the clutch and the throttle pedals; yes, in the Luigi costume he got for Christmas.

     

    I don't even know you or your kid but goddamn he wins Xmas. Find a way to program the car horn to play Mario sounds.

     

    I got an Apple Watch, NSA (Amazon) Echo (which I've already changed from responding to Alexa to "computer" so I can roam the house shouting like Captain Picard), a vintage style Hartford Whalers poster from their last home game which my parents attended, some super nice new hockey gloves, and a metric fuckton of nice socks (i turned 30 this year, apparently the age at which socks are the most exciting gift you receive)

  11. Do yourself a favor and get a Pixel.

     

    Not trolling, looking for legit feedback. Aside from the raw Android experience, is there anything the Pixel does better than an LG G or Samsung S phone? I really wanted to like the Pixel and subsequently Pixel 2 but it always felt like last year's tech.

  12. switched from Samsung to iPhone8+ and have enjoyed it. Best battery life I've ever had on a phone. I'm sure the Samsung and LG phones are also excellent, but I didn't like them as much.

     

    inb4 intentional performance fuckery meme

  13. Eh too many people like Kerry, just thinner. No thanks

     

    You'd be amazed how much CA changes when you get out of the Bay and LA. If you find yourself in Bakersfield you'd wonder if you were in Oklahoma at times; oil pumps and agriculture as far as the eye can see.

  14. I'd buy plenty of other properties for the amount this is going for. It's an awesome house, but $250,000,000 is way overpriced. I think they priced it at that just to brag about how expensive it is and to have articles written about it. Plus, I can't imagine spending any amount of money to live in LA period.

     

    It's called anchoring. Doesn't matter if it only sold for a fraction of that years ago, if you price it stupid high, people still need to negotiate "down" from that number.

  15. I don't believe the cuts are empirically fair to Americans who need the most assistance.

     

    I do, however, believe that perception trumps fact in many cases, and if people PERCEIVE that these cuts are good for America, consumer confidence improves which will improve overall welfare.

     

    I don't think the consequences will be positive in the long run, but people's memories are short and our education system is pretty awful so the short term "success" and positive effects will be attributed to those who deserve little to no credit, and the long term consequences will be pinned on snowflake millennials who everyone thinks demand all the entitlements in the world.

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