God-dammit. Why is nothing ever simple? As I get older, I have increasing trouble swallowing solids. Especially if it is a fibrous food like ribs or chicken or celery or something I'm inclined to eat quickly. It's like I have a gullet like a bird and if I'm not careful, it clogs up. I can still breathe, but unless I can dislodge it with liquid and/or something like hopping up and down, I have to go retch until I can dislodge it. I also have a pretty good family history of cancer so once I got around to getting health insurance I went to see a doctor. Well, a nurse. The wait to see a real doctor is forever for new patients and this nurse-practitioner had just moved so he didn't have a lot of patients yet.
Went in, got checked up. He prescribed a Cologuard test and scheduled me to see a specialist for my throat. Cologuard came back negative. Specialist went ahead and scheduled me to get my throat scoped. She also wasn't particularly thrilled that the GP had prescribed Cologuard, given my family history so she wanted to do a colonoscopy too. That's all over a month away. So I looked at the prep that the colonoscopy entails and decided I'd just be content with the Cologuard this year, since my insurance isn't great (I wound up shelling out the $600 to mail a box of poop), but before I made the call, I wanted to double-check the false negative rate on Cologuard. 8% (I thought it was, like, 4%). So there's an 8% chance that I could have cancer right now. And there's a 60% chance it could've missed a pre-cancerous growth that a colonoscopy would catch and eliminate. So now I gotta think some more. Which do I hate less--the hassle and potential expense of an additional test or the relative uncertainty of my barely better than Russian Roulette $600 test? :/ I think I shall wait another day on this decision.
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On the other side of the additional information coin, house prices are still crazy, but the market is cooling down. Unfortunately the interest rate on my home equity loan (HELOC) is heating up. 7.5%. That's...terrible. How can I afford to do a deal at that rate? Then I remembered how I kind of backed into real estate investing: Back during the paintball fad of the 1990s, I'd tried to open a paintball field. It was a solid plan and well executed. Unfortunately NIMBYs sabotaged my zoning. I fought it with the shitty hick town lawyer that was my Mom's friend and lost. This was enough of a setback that I decided to give the Marines another try. This time I got through OCS without an injury and had my Marine career. I tried having my Mom and brother run the paintball field for one season and it was staggering how badly they did, so I shuttered it. When I got out, I considered going back to it, but the paintball boom was dying out and I really wasn't looking forward to working for less than $1 an hour again with land that wasn't even technically legal to use.
After getting my MBA and failing to find a job because Portland, OR was already fucking doomed by the time I moved there, when I was almost out of cash I took a friend up on an offer to go work for the Marines out in Hawaii as a Reservist. I made a pile of money doing that. And I sold my paintball land for a ton more than I paid for it. That was what got me started on real estate.
But I'm rambling. The point is, I hadn't had the money to buy the land at the time, so I got a loan from my Mom. But what was the interest rate? I was pretty sure I had the paperwork somewhere so I went digging yesterday. 8%. I paid 8% for an 8 year loan. Granted, the amount I need to buy a house is a lot more than the amount I needed to buy vacant land in Wisconsin 25 years ago, but the bottom line is, I shouldn't be afraid to do a deal if I can find one. Well, gotta go. Time to make shit happen.