Addiction LXIII
11-30-16, 08:36 AM
#7526
Vain, But Lacking Talent
Hi everyone. Been super busy, so I'm 40 pages behind in this thread!
Must have been eventful, I guess?
I will probably be super busy for a while ahead, as well. Only news from me lately is that I'm fat from pie, and I finally broke out the trainer.
Also, anyone have any experiences with knee meniscus surgery? Looks like my wife needs that, and so far our Gold insurance plan (which ends in a month) doesn't seem to cover ****. Had to pay cash for the MRI (that was my only black friday purchase). I'm bracing for what a surgery might cost.
Must have been eventful, I guess?
I will probably be super busy for a while ahead, as well. Only news from me lately is that I'm fat from pie, and I finally broke out the trainer.
Also, anyone have any experiences with knee meniscus surgery? Looks like my wife needs that, and so far our Gold insurance plan (which ends in a month) doesn't seem to cover ****. Had to pay cash for the MRI (that was my only black friday purchase). I'm bracing for what a surgery might cost.
On the plus side, I would imagine the procedure itself would be minimally invasive with a good recovery time outside of the meniscus itself. They're really, really good at that stuff now. Should only be 2 or 3 very small incisions.
My FIL had it ages ago and they very foolishly told him he would probably never do things like skiing or cycling again. Don't know what they were smoking. He's done all of that and more since then.
11-30-16, 09:51 AM
#7527
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__________________
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Last edited by BillyD; 11-30-16 at 09:58 AM.
11-30-16, 10:01 AM
#7528
Custom User Title
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If you attached dog whistles to your bike would it be a deterrent to dogs chasing you or would it promote it?
11-30-16, 10:04 AM
#7530
Serious Cyclist
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@jtaylor996 we have a nifty cost estimator I can use at work (insurance stuff). With an ICD code of S83.27 - Complex tear of lateral meniscus and a CPT code for an arthroscopic repair, it looks like the total medical costs including surgery would range between 20 and 30k. A lot depends on the provider and location. Hopefully she has a high deductible plan where 100% coverage kicks in after hitting that limit so you don't have to pay for the whole thing.
11-30-16, 10:14 AM
#7531
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I was going to refinance my car and had everything set up with the loan company. Then as they were reviewing docs they decided the vehicle and I didn't qualify for a balance of $21,500 and they could only do $21,000.
They, oh so kindly, offered to let me reapply after I brought my current loan balance down. What a waste of my time! For them to look at their computers and see a disqualification that is smaller than one month's payment and not have the ability to push it up the ladder for an override is just silly.
...and come to think of it I overestimated the current loan balance. It's really closer to $21,300.
I wasn't even going to see a benefit to the refinance for years either since it was a larger payment and only a slightly lower rate. I wouldn't have seen the savings until the end when the payments stopped sooner than the current loan.
They, oh so kindly, offered to let me reapply after I brought my current loan balance down. What a waste of my time! For them to look at their computers and see a disqualification that is smaller than one month's payment and not have the ability to push it up the ladder for an override is just silly.
...and come to think of it I overestimated the current loan balance. It's really closer to $21,300.
I wasn't even going to see a benefit to the refinance for years either since it was a larger payment and only a slightly lower rate. I wouldn't have seen the savings until the end when the payments stopped sooner than the current loan.
11-30-16, 10:33 AM
#7532
serious cyclist
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11-30-16, 10:47 AM
#7534
INSERT_TITLE_HERE
I remember being worried about my meniscus after my knee injury (I was lucky and mine was near perfect). From what I recall, it depends on where the tear is due to the fact that some of that meniscus (closer to the edges) does see blood flow that can assist in healing and some of it gets basically no blood flow. The doctor/PT would be the best people to talk to about expected recovery once the results of the MRI are clear.
On the plus side, I would imagine the procedure itself would be minimally invasive with a good recovery time outside of the meniscus itself. They're really, really good at that stuff now. Should only be 2 or 3 very small incisions.
My FIL had it ages ago and they very foolishly told him he would probably never do things like skiing or cycling again. Don't know what they were smoking. He's done all of that and more since then.
On the plus side, I would imagine the procedure itself would be minimally invasive with a good recovery time outside of the meniscus itself. They're really, really good at that stuff now. Should only be 2 or 3 very small incisions.
My FIL had it ages ago and they very foolishly told him he would probably never do things like skiing or cycling again. Don't know what they were smoking. He's done all of that and more since then.
11-30-16, 10:47 AM
#7535
Senior Member
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Who else is mostly a roadie, but , looking forward to riding snow and ice with fater tires on an MTB? It helps your power when spring comes. It improves your bike handling skills. It beats the carp out of rollers or trainers.
11-30-16, 10:52 AM
#7536
INSERT_TITLE_HERE
I was going to refinance my car and had everything set up with the loan company. Then as they were reviewing docs they decided the vehicle and I didn't qualify for a balance of $21,500 and they could only do $21,000.
They, oh so kindly, offered to let me reapply after I brought my current loan balance down. What a waste of my time! For them to look at their computers and see a disqualification that is smaller than one month's payment and not have the ability to push it up the ladder for an override is just silly.
...and come to think of it I overestimated the current loan balance. It's really closer to $21,300.
I wasn't even going to see a benefit to the refinance for years either since it was a larger payment and only a slightly lower rate. I wouldn't have seen the savings until the end when the payments stopped sooner than the current loan.
They, oh so kindly, offered to let me reapply after I brought my current loan balance down. What a waste of my time! For them to look at their computers and see a disqualification that is smaller than one month's payment and not have the ability to push it up the ladder for an override is just silly.
...and come to think of it I overestimated the current loan balance. It's really closer to $21,300.
I wasn't even going to see a benefit to the refinance for years either since it was a larger payment and only a slightly lower rate. I wouldn't have seen the savings until the end when the payments stopped sooner than the current loan.
I think the most I've financed on a car is like ~$12k, though. Well, I suppose I owed more on the Porsche, but I paid that off after 1 month when my FL house finally sold. I got some ******** low rate on the minivan, like just over 3% (using a local teacher's credit union that we've used many times in the past).
11-30-16, 10:52 AM
#7537
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11-30-16, 10:53 AM
#7538
INSERT_TITLE_HERE
I don't know that I can call myself mostly a roadie anymore... too much fun on the MTB lately. But still, I got the ol' zwift out recently since I can't get enough hours in on the trail in winter.
11-30-16, 10:54 AM
#7539
Custom User Title
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Refinance a car? I've never heard of that.
I think the most I've financed on a car is like ~$12k, though. Well, I suppose I owed more on the Porsche, but I paid that off after 1 month when my FL house finally sold. I got some ******** low rate on the minivan, like just over 3% (using a local teacher's credit union that we've used many times in the past).
I think the most I've financed on a car is like ~$12k, though. Well, I suppose I owed more on the Porsche, but I paid that off after 1 month when my FL house finally sold. I got some ******** low rate on the minivan, like just over 3% (using a local teacher's credit union that we've used many times in the past).
11-30-16, 10:54 AM
#7540
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When the roads get too sketchy for that, I have my CX bike.
Interval training with be done on an indoor trainer.
11-30-16, 10:55 AM
#7541
Mostly Harmless
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11-30-16, 11:03 AM
#7543
INSERT_TITLE_HERE
@jtaylor996 we have a nifty cost estimator I can use at work (insurance stuff). With an ICD code of S83.27 - Complex tear of lateral meniscus and a CPT code for an arthroscopic repair, it looks like the total medical costs including surgery would range between 20 and 30k. A lot depends on the provider and location. Hopefully she has a high deductible plan where 100% coverage kicks in after hitting that limit so you don't have to pay for the whole thing.
She has an aetna gold plan, which I think has something like a $2k-4k deductible (can't remember), then 20% coinsurance after that. So, probably like $5k out of pocket. But since it's not causing pain we'll do the $50 shot for now.
I'll worry about surgery costs when we're shopping for whatever our next insurance nightmare will be.
11-30-16, 11:15 AM
#7544
Should Be More Popular
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11-30-16, 11:16 AM
#7545
Should Be More Popular
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11-30-16, 11:23 AM
#7546
Serious Cyclist
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Anyone remember a thread on the 41 from a year or two ago about a guy custom-painting his Specialized TT bike with Red Bull Racing F1 colors? I'm trying to find a picture of his completed bike and the forum search function is teh sux.
Nvm, found it.
Nvm, found it.
Last edited by Dan333SP; 11-30-16 at 11:29 AM.
11-30-16, 11:44 AM
#7547
Mostly Harmless
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11-30-16, 12:59 PM
#7550
Should Be More Popular
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