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Brew

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Everything posted by Brew

  1. I bought these in September. I just checked the label on the tongue on my way out this morning. Must be M(ens) Arahi, because those are the ones I have from looking at the site.
  2. I run in Hoka Marahi’s with a replacement insert. It’s the only shoes I have found that don’t kill my feet and shins. The On’s I have are terrible in comparisons. I went to a running store and got fitted using their equipment and the Marahi’s and insert are what they recommended.
  3. My oldest went to Wake Forest for a summer program her junior year. We did a tour when we picked her up and got to the part where they said it was $100k and very little merit money was given and noped right out of there. She said there was a large contingent of Miami and Dallas people in the program.
  4. That area of the country has some really awesome state college campuses with a couple you mentioned plus UVA, UGA, and several others around as well. We have toured too many colleges at this point and some just stand out over the others.
  5. Mentioned this earlier in the thread, but we toured all of them. UNC was where my daughter planned to go from the time she knew what college was. After touring she backed off completely. It is an old campus and at least at that point was showing its age. Their facilities were not on the same caliber as others. If she didn’t get into UGA, she probably would have gone to Clemson. She wanted a smaller town that was centered around the college and Clemson also has a solid honors program. We were in and out for every visit, so I don’t have any recommendations for things to do/see.
  6. Free Bert was a solid, quick series to work through. Absurd in a lot of ways, but still pretty damn funny. I’m not sure who signed off on the kid’s lines, but she carried it perfectly.
  7. FBAR’s are fairly simple filings and are just disclosure in nature. If you have money out of the country, file the proper reporting documents. Filing those documents isn’t any reason not to have overseas accounts.
  8. Yep, if you look at a CT with contrast you can see the differences. I had to have a stent put in one of the secondaries this summer because a small amount of buildup was causing a significant drop in blood flow when my heart rate elevated because the widowmaker shut down and one of the main secondaries was limited. With everything functioning like it should blood flow is perfectly normal because of the interconnected paths that have developed. They just all have to work perfect to keep up with what the widowmaker moves. At least that’s my basic understanding.
  9. The heart grew around the widowmaker so it’s deformed and much smaller than normal. When my heart rate goes up it cuts off blood supply through it completely which in turn elevates my BP to stroke level. The secondary artery structures on both sides are oversized but that also makes them weaker at least in the opinion of my cardiologist. I took statins to help with elasticity and artery health as much as anything, so that’s one of the things we are working on and doing blood work to monitor the results of other medications/changes. I’m on a regimen of stress test and full CT annually with blood work and ultrasounds more regularly. Overall goal is to keep a close eye on blood flow, blockages, etc in the secondary arteries.
  10. Long story short, see a heart doctor due to having a mostly nonfunctional widowmaker. Functionally, everything else has picked up the slack and worked out the blood flow issues that came from that birth defect. Mainly take medicine now to control heart rate because elevated heart rate is where the most issues come up. Do blood work every quarter and full work up annually just to keep an eye on everything and adjust as needed. CPK levels have leveled out with more rest days built in and stopping statins, so we’re working on adjustments and doing blood work frequently to see what works and what doesn’t. I avoid any of the things that are caffeine based or have other things that increase heart rate at this point and really just lean on recovery help.
  11. I need the old people’s guide to a supplement regimen that will not kill me any more quickly than all the other shit trying to kill me. With the CPK issues I had, moved my diet around some and have mixed in plant based proteins. Also, added more structured rest days and seem to be holding fine now. Added in amino acids a few weeks ago and then getting blood checked again next month to make sure I’m still clear before making a couple other adjustments. Down a little over 30 pounds since August, shooting for 20 more by May. It’s become a little more challenging than it was when it started.
  12. My youngest submitted scores to one school and she only applied to SE schools with the exception of Mizzou. There are a lot of state schools and mid tier privates that are test optional. She was terrible on standardized tests but has multiple AP credits and a high GPA which makes no sense. Mizzou gave my youngest better money than Arkansas did.
  13. That old POS moved like 10% today. Everyone must have been confused. I still have some shares hanging out there.
  14. Her planned path was always big law to federal but that has changed with the changing political climate. I’ve spent my life on the accounting side and have run a large, multi-state regional for the last 10+ years. She has a good understanding of the downside of what this life looks like but also the benefits that can come with it. There were a number of reasons for the undergrad she chose outside of where it might lead post grad, but it was a factor when comparing against other schools she was considering. It also helps that her costs are somewhat reasonable compared to most out of state schools and private schools. She is my reasonable, responsible kid so she put a lot of time into the financial side as well as the other things she was looking for. We’re also able to take care of what needs to be covered through post grad within reason and they have been on the firm payroll long enough now that they have their own means if they have to be tapped into.
  15. We approached our two kids completely differently. Our oldest was highly motivated, was always thinking further down the road, wanted a ticket to a too tier law school, and had a legitimate reason she wanted to go to the one school that offered nothing. We’ll be in for the full boat on out of state and we’re fine with it. Our youngest is on the other end of the spectrum, so we had her focus on good value schools that offered money to either TN kids or were test optional. She has in state tuition offers from Mo, Ark, and a few others as well as half price at Samford and a few other privates. We’ll pay half the price for the second one versus the first one at a school that will be a good fit for her. We’ll still be $250k in when they both finish up undergrad. The other side of that story is that the oldest told us over fall break that she wants to go into nonprofit/legal services practice now. We discussed that she might want to consider XYZ school of law at this point and move on from the UVA’s and Univ of Chicago’s of the world.
  16. If you have a copy of your tax return handy and reasonable information for a personal financial, it’s not a big issue. A lot of tax program will print a FAFSA summary out now that summarizes the tax return by line. Not sure if that’s the case for TurboTax or something similar, but the last two software packages we used would print it.
  17. My oldest was dead set on UNC until she toured it. The campus is showing its age especially compared to other state schools in the SE states. You also pretty well have to be top of class and near perfect on the standardized tests to have a shot at getting in. She liked Clemson quite a bit more than South Carolina. The area, the city, etc were all more what she was interested in. Clemson also has a really good honors college if that’s in your plans. Both of mine leaned towards larger state schools in smaller towns when it was all said and done. Depending on which way you travel, you have UNC Charlotte, Davidson, and Elon that will be along the way if you go through Charlotte. Davidson had a really nice campus and pretty good offering although acceptance rates were low.
  18. Belmont is an interesting campus. Location is great, on campus housing is great because no one can afford to live off campus, healthcare is one of their main offerings and they are very tied into the large hospital systems, but it is a very cliquish campus and their student population is very eclectic. We know a lot of kids that have ended up there for grad/law school, we know very few that have finished 4 years of undergrad there. If she hasn’t looked at Samford, they have a really great campus (their health sciences building is probably the top classroom building we saw on any camper visited) and give pretty good money with test optional applications. My youngest got a much better offer there than she did from Belmont.
  19. Both of my kids went the direction of colleges with no peers. My oldest is at UGA and there is one other kid from her school that was a couple classes ahead. The other is going to Mizzou (can’t say enough about how impressed we have been with their process and the campus/town in comparison to the UGA experience) and there are no other kids on campus from here. They wanted to do their own thing and breakaway from the high school clicks that seem to end up back in their hometown married to each other and at the football games on Friday nights. It has been tough at times for our oldest but she has found her way and is much more independent than her high school friends. We’re worried about how it will go for the youngest, but we will see I guess.
  20. You might want to check the stock values of the largest insurance providers and see where a good deal of the money in the system ends up. From a hospital perspective, my wife and I were both in the hospital this year for different issues. Neither stay in total equaled one treatment of the current top bladder cancer treatment drug being used. Mine didn’t even come to the monthly costs of some of my employees maintenance drugs. Now my dad was in the hospital earlier this year and passed after a week or so. He was on Medicare and they loaded him up with everything they could think of while running through a ton of tests and treatments. He was never walking out of there and it was easily a mid 6 figure stay.
  21. Brokers aren’t making bank off of single health insurance plans, they make their money on volume. I’m not going to say what the broker commission is on our plan, but I will say I charge them more for their tax work than they make on my 250 life plan.
  22. We will probably end the year around $3.2M in cost with maybe 250 covered lives, so self insured with captive coverage is still much better than the alternative. We cover all employee costs, you just have to pay for family add ons. The misinformation that is out there is significant. I have access to all the data on my people and see reimbursements, treatment costs, etc. Cancer is the number one hit to my insurance plan followed by new drug prescriptions. Heart attacks, joint replacements, major surgeries, even extended hospital stays don’t come close to the drug costs. Healthcare is also one of my largest practice areas. Doctors and your small practices aren’t the ones getting rich in this system. Most outside of a few specialties make less per patient than they ever have by a large margin. I see doctors regularly that have income off by 1/3 or more of where they were at the top. Insurance companies are squeezing reimbursements on FNP’s now because there has been such a runup in that practice area that practices are getting cut even further.
Football ... Basketball ... Baseball ... Other Sports ... Futbol ... 🤫995🤫 ... Gambling ... Movies & TV ... Music ... Hobbies ... Lulz ... Food & Travel ... Daily Texan ... Business & Markets ... Cloak Room ... Help ... For Sale ... Board Discussion ... Advertise... Tailgate Donations

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