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  1. npaden

    Anybody Buying Yet? Where’s the Bottom?

    You said I was in denial when I said it was going to bounce back tomorrow. I said it was going to bounce back. I state that we will know the answer to if it is going to bounce back or not tomorrow. I didn't say it was going to bounce all the way back. Somehow I'm in fantasy land. I never...
  2. npaden

    2025 NM draw results

    Either my son or I should draw a deer tag. Put in 3rd choice for a unit with 43% draw odds so hopefully at least one of us will draw that. Everything else is pretty much a lottery ticket.
  3. npaden

    Anybody Buying Yet? Where’s the Bottom?

    P.S. I'm confident enough in this that I haven't pulled the trigger on a TQQQ trade yet today. ;)
  4. npaden

    Anybody Buying Yet? Where’s the Bottom?

    Will be easy to see who is right and who was wrong on this one. I'm saying at least a 1% bounce back tomorrow. I might be wrong but think it is going to happen. This is an overreaction. Apple is down 10% because of a 10% tarriff? They will price it in and the consumer gets to pay more...
  5. npaden

    Anybody Buying Yet? Where’s the Bottom?

    I think there will be a bounce back in the morning but I could be wrong. I think there will be some improvement throughout the day. I generally never try to time the market but this makes me want to throw some play money at it.
  6. npaden

    Anybody Buying Yet? Where’s the Bottom?

    It's mind boggling that this was a surprise. How was it not already priced in. I think the bad orange man ended up being a little softer than I expected. Not sure how this was a surprise since he has been saying this is coming since his first day in office.
  7. npaden

    Anybody Buying Yet? Where’s the Bottom?

    Thinking about buying some TQQQ today. Would like to make my Roth IRA contribution but I have to back door it through a traditional and not sure it is going to make it in time before things start to rebound.
  8. npaden

    Anybody Buying Yet? Where’s the Bottom?

    Futures market agrees with you but the previous 2 days the futures have been down overnight but then the market has moved up during the session.
  9. npaden

    Medical rant

    Since it is preventative care Medishare doesn't count it toward the deductible anyway. They will apply a PPO discount but that's it. I've never met a deductible on my insurance or on Medishare in 56 years so hopefully I don't have to worry about it this year. I've got money set aside in case...
  10. npaden

    Medical rant

    I did look into Samaritan Ministries when I was trying to decide back in 2018. I think at the time Medishare was quite a bit larger and seemed like the safer option. When I first switched to them I think my premiums were only $350 or so a month. Now that we are both over 50 the premiums have...
  11. npaden

    Medical rant

    I forgot about the prostrate exam. I did get one of those at 40, the guy doing my checkup this morning didn't mention it so I'm not going to complain. Am going to try to be better about getting an annual checkup.
  12. npaden

    Medical rant

    Okay, calling around seemed to be the right call. The place where my wife had hers done quoted me a fixed fee for everything except for the anesthesia. They said that would vary but shouldn't be more than $500. Cash price quoted was $210 for an initial visit, then $950 for the colonoscopy and...
  13. npaden

    Medical rant

    I'm going to go get a colonoscopy just because everyone is telling me I really need to. I double checked Treesharks link and there is a place in Abilene (only 143 miles away) that will do the upper GI scope and a colonoscopy for $2,750. Dr. thought it would be a good idea on the upper GI scope...
  14. npaden

    Medical rant

    Yes. That's why I have Medishare. It isn't insurance but is very similar. You can choose to have a lower deductible, I just choose to have a high one. There is no top sharing limit. Lot's of insurance has a maximum of like $1,000,000 payout total. I was wrong on our previous numbers, the...
  15. npaden

    Medical rant

    I think over the 7 years we've saved a LOT. The knee surgery coming out below the deductible was crazy. I'm not sure how they get away negotiating that down so low. The radioactive brain scan was about the price it should have been, the cash price was just super low and we missed out on it...
  16. npaden

    Medical rant

    We pay for employee health insurance for our employees and somehow have a "grandfathered" pre Obama care insurance that is actually really good. It is Just over $1,300 a month for family coverage and has office visit co-pays, etc. If I went the insurance route, that's the direction I would go...
  17. npaden

    Medical rant

    If this ends up costing $3,000 it would take less than 5 months of premium differences between the $600 I'm paying for family coverage with Medishare and the $1,300 the last quote I had for family coverage on the ACA exchange with a similar deductible. I'll stick with Medishare and paying for...
  18. npaden

    Medical rant

    Yes, I almost ended up going that route when I checked into this last time. It's a 6 hour drive each way to Dallas but might be worth it to just get it done. My wife had it done a couple years ago and with the PPO discount from Medishare it ended up being about $2,000 if I remember correctly...
  19. npaden

    Medical rant

    I have Medishare which covers pretty much everything except preventative care. They do have a PPO thing but my deductible is so high I try to just pay whatever the cash price is since I never meet the deductible. When my wife had her knee surgery the bills added up to just over $30,000 but the...
  20. npaden

    Medical rant

    Why is it so hard to find out a price on a medical procedure? And why can't you just get a medical procedure done? I'm paying cash so no insurance to blame or anything like that. I'm over 50 so I need a colonoscopy. So they won't do one unless you are referred by a general practitioner. So...
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