All Forum Posts by: Marc Freislinger

I agree. Bad deal. I can refer a Realtor in Indy if you want to find some homes to buy that will actually cash flow, but make sure you find a good property management company. I hear there aren't many good ones left. Lower-income rentals in Indy are rough. I'd stick with (actual, not according to the owner) rent rates of $600/mo+ that meet the 2% and 50% rules (easy to do in Indy).

If you're hung up on some of the abbreviations, you can check out this page:

http://www.biggerpockets.com/abbrev.html

Sandy S Harris: Absolutely! Women naturally tend to have better balance and flexibility. Especially paired with yoga, climbing can be a great way to build strength without bulking up too much. Climbing gyms can sometimes be cliquey or elitist, so it may take a few tries to find one you like, but having the right people around you will make all the difference.

Bill Gulley, unfortunately that photo is pretty dated. Only been able to climb outside a few times in the last couple years, but lately I've been working out in a local climbing gym to get back into shape. Between a nasty fall and a career change a couple years back, time has taken its told on my performance.

Joel Owens, most people are afraid of falling, not heights. Sounds like you fall into that category. Getting over that is really just trust in your partners and equipment. It's a fantastic full-body work-out though.

Climbing gyms keep your attention a bit more, since things are constantly changing.

You missed the guy who helped make sure you didn't bring all the donuts home - Brad Cobb

If you're doing it for general maintenance, I would use undiluted vinegar. It will reduce any hard water deposits. You can also use it to wash off the coils if they are dirty, since it won't leave a lasting smell like bleach willl.

My vote would be 3, 1, 2. Around here, not having a window in a bedroom would be a code violation, as well as a tough sell. #2 looks like it has 3 bedrooms with no windows.

Let's pretend I don't have medical coverage.

Right now, if I have to go to the hospital, I have to pay for those services. If I can't, they sue me and collect however the law allows.

Under the new law, if somebody doesn't buy insurance, and pays the penalty, does that mean they are paying the government to insure them? I assume the answer is no. Meaning, if I don't buy insurance and I get injured, I will owe the hospital out of my own pocket, AND I will owe the government.

Maybe this is selfish, but where is the benefit to (uninsured middle class citizen) here? It sounds like I spend more money (on the penalty or an insurance plan), for benefits received only by others.

Of course, the answer is to not buy insurance, and not pay the penalty, which as I pointed out earlier, the government has little recourse for. At which point, we are right back where we started (except for the millions the government is now paying for extended Medicaid coverage).

I will preface this by saying I have not read the 900 page healthcare bill, but am in the process of reading the 200 page Supreme Court decision. Below is an excerpt from that ruling:

In 2016, for example, the penalty will be 2.5 percent of an individual’s household income, but no less than $695 and no more than the average yearly premium for insurance that covers 60 percent of the cost of 10 specified services (e.g., prescription drugs and hospitalization).

This is significantly more expensive than $95 - $2,000.

Although, it also says that even if the penalty is paid to the IRS, there is little ability for the IRS to actually enforce or collect the penalty.

The Act, however, bars the IRS from using several of its normal enforcement tools, such as criminal prosecutions and levies. §5000A(g)(2). And some individuals who are subject to the mandate are nonetheless exempt from the penalty—for example, those with income below a certain threshold and members of Indian tribes.

Who is exempt from the mandate?

The individual mandate requires most Americans to maintain “minimum essential” health insurance coverage.26 U. S. C. §5000A. The mandate does not apply to some individuals, such as prisoners and undocumented aliens.§5000A(d).

So in reality, it is not funded by all tax payers, it will still only be funded by those with the ability, and willingness, to do so.