Posts by Robin Wright27

Greetings,
I am seeking some firsthand experiences regarding neurosurgeons in the Pula area.
Specifically, I am looking into Dr. Martinović or Dr. Milanov...
Thank you.

Does anyone have any insight on this? Has anyone actually undergone the procedure—is it covered by Medicare or is it out-of-pocket? I'd appreciate hearing about your experiences... Thanks.

Ronald Green31 said:It would be a good idea to check out the scans to see exactly what kind of fracture we're dealing with. Either vertebroplasty or kyphoplasty could likely fix the issue and help dial back that pain.
I believe this is only handled at Trauma—within the Medicare system. If you're looking at private options, Dr. Drazen Kvesic is the one to see.

Best,

Looking back at a post from 2011: I’ve been advised to undergo vertebroplasty for L1 and L3. They perform this in San Diego now—has anyone here actually had the procedure? And more importantly—is it still covered by Medicare... or is it an out-of-pocket expense via supplemental insurance?
Regards,

Angela Martin4 said:And did that offer actually show up in your physical mailbox at home, or was it just some random notification through your online banking?

I received a letter at my house confirming my credit was approved via Diners, though I still have to follow up with Chase—as per usual. They even called me to let me know I was cleared for about $20000, but honestly, you can take them up on it if you need the funds. I’m not even a client of theirs; you just walk into a branch, grab the paperwork for the notary, and they set up the payroll deductions. I've been paying off one of their loans for ages now...

Just received a loan offer from JPMorgan Chase—they’re using Diners Club—with an interest rate of 8.80%... have they lost their minds?

So, I’ve been prescribed these pills to manage my heart rate—and apparently my blood pressure too—but I’m already on Co-perneve for my BP. I asked Dr if I should be taking both, and he said yes. Looking over the indications for Concor... it feels like a ticking time bomb.
I was wondering if anyone here actually takes this? How does it make you feel—is there any actual benefit?
I’ve come across several old message boards suggesting this medication can be a bit of a nightmare.
Thanks.

Is it actually possible that a seventeen-year-old—my daughter—isn't allowed to have an EKG without an adult present?

Scott Rodriguez19 said:Look, we are just the kind of nation where everyone wants the lifestyle without wanting to do the heavy lifting. Honestly, you have to start with the people—not with the banks or the monetary system—otherwise, even communism might have actually worked.

We lived through socialism here, and if you ask me, it was a decent system—it was just the people who exploited it... through excessive sick leave, endless days off, and so on.

When will we finally get to live in a functional Republic of America? This kind of behavior—honestly, it’s exhausting. Pure incompetence.

brisktinker15 said:I mean, it’s honestly kind of wild that someone would actually consider checking out just because their Chase account is sitting in the red 🤣

Anything can happen these days...
if someone finally snaps—unfortunately.

Robin Wright27 said:I find that hard to doubt—my standing with them has been perfectly fine all these years...
So, why am I being forced to call them again regarding this loan?

Updated and approved....
I knew American Express wouldn't leave me hanging....

wanderingharbor61 said:They asked me for a current pay stub because the one they had on file was several years old. That's just how they update their records, but I wouldn't bet against you getting that new loan approved.
If there was actually a problem, they would've told you straight up!

🙂

I find that hard to doubt—my standing with them has been perfectly fine all these years...
So, why am I being forced to call them again regarding this loan?

wanderingharbor61 said:Based on how they talked to me when I called about a cash withdrawal, it seems like they just don't care for people using their cards at the ATM.

I've never even pulled cash from my American Express—honestly, I don't even know my PINs (but since everything is chip-based now, I'll probably have to actually learn 😁).

Whether they like it or not—why offer the feature at all if it's an issue?
I called them back and mentioned I'd fax over my most recent pay stub so they could review my income history dating back to 2006 and assess my creditworthiness—which seems perfectly reasonable on their part.
🤷

Kate Diaz said:In my view, the approval depends on several factors, such as:
1. the total amount requested
2. the number of installments
3. your previous spending patterns on the card
4. your history of timely payments
5. your overall creditworthiness, specifically your salary level and job stability

I highly doubt they can review all your bank loans in the thirty seconds it takes to process a quick application. Similarly, I doubt they have immediate visibility into your debts or lines of credit held with other card issuers.

The loan amount? If it was too high, they likely scaled it back.
I spend about $3,500–$4,000 a month.
My bills are always paid on time.
I make regular cash withdrawals.
I didn't ask for a breakdown—they aren't obligated to provide one, are they?
Again, my bills are paid punctually.
They can easily see my existing debt via my Visa card online.
I'll try calling them again—we shall see.

Kate Diaz said:While the official rule for American Express is 12 months, there is some flexibility... if you are a consistent payer and maintain a higher spending volume, you might qualify sooner. For instance, my monthly American Express statements usually hover between $2,000 and $1333; I was approved in my 12th month, but I actually just applied for and received additional credit today.

On a purely mathematical note, Diners Club carries a 12% interest rate while American Express is at 10%, and Diners Club charges a 3% fee compared to American Express's 2%. That's essentially the breakdown.

I paid off an American Express cash advance early about four months ago. I called them just now to request a new one, but they turned me down—they want me to submit a pay stub first.
I have other loans through Bank of America, plus a Mastercard revolving line, so I assume they're looking at the whole picture since everything is tied to my Bank of America card... am I overthinking this?

urbangardener said:So, I finally pulled the trigger today and bought my first item using Diners Club👍.

Everything seemed to go smoothly enough...

It was a digital device, plus a card and a case $400...

I set it up for 12 monthly installments, which means about $33... plus there’s this 1.5% fee from Diners Club on the total price, and then some kind of 12% annual interest... does anyone know what the actual math works out to? Personally, I feel like it shouldn't really climb much higher than $50...

But the guy at the store didn't even swipe the card through a terminal or anything... he just took all the info off the card, called in for authorization, and typed everything—the price, the number of installments—straight into his phone. Then at the end, he had me sign this paper I received, basically setting it up as a credit line through Diners Club... so is that really how it works?

I mean, how are you actually supposed to handle buying things on an installment plan at a checkout counter? I always assumed you'd just swipe the card and select the number of payments on the screen...

This will be processed as a consumer loan—so it won't be $400, but closer to 1500... You probably should have negotiated a 12-month interest-free deal with the merchant...

Ronald Allen said:Look, if you grabbed a charge card like I did, here’s how it actually works; $1200 you've got a monthly spending limit—that's what hits your bill next month—and then there's that other number they gave you, which is just for authorizing installment plans (I used mine for a few things).
Your total balance is basically whatever you spent against both limits (like, say you blew $833 on random stuff this month and bought something on a payment plan where the monthly chunk is about $67; that brings you to $900) and that whole amount is what you owe next month.
Obviously, if you load up on too many installments and your total monthly payments hit maybe $333, just assume you only have about 2600 left for your everyday spending (since 3600 limit minus that 1000 installment bit).
Just a little heads-up though, don't ever count on having the full amount available. I once thought I still had like $167 left, walked into a Target and 🙈
If you need anything else, just ask! 😉

I am somewhat lost regarding this supposed limit... all I am aware of is the cap on cash advances...

If everything were as simple as you make it out to be, nearly every American citizen wouldn't be drowning in debt. I refuse to believe that everyone is inherently greedy—or simply incompetent with their finances.

It seems we’re all labeled as greedy just because we’re trying to maintain some semblance of a normal life... I agree that living in the red leads nowhere but deeper into the abyss, but I work hard to provide for my family, and yet it's never enough—not even close to luxury. Honestly? I'm just exhausted by it all...

If you want my honest take: if Americans actually earned Western-level wages, most of us would have a swimming pool in the backyard—given how capable we are at owning plenty of nothing, even on credit.
As they say in California—just take it and stop complaining.

Kimberly Nguyen said:I’m totally with @3007 on this one... it’s incredibly rare to find people who dip into those funds just once or twice and actually manage to pull themselves back out quickly (especially when they're flush with cash) ...

But you hit the nail on the head right here:

Once you’ve sunk more than half your paycheck into that hole, you’re basically stuck. Getting out? It’s nearly impossible.

Look, I don't know what everyone else is making, but if you aren't relying on credit, I truly admire you—between my $1667 and my wife's $2,400, managing two kids in school—one of whom travels quite a bit—we struggle to make ends meet every single month without spending on fluff...
life is becoming incredibly expensive, and it looks like it will only get worse—leaving us all just patching holes in a sinking ship...
perhaps I am mistaken, though I couldn't say where...