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Finance: Difference between revisions
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(Created page with "== Medical debt == * Medical debt below $500 will not show on a credit report * Once debt gets sent to collections, you can usually negotiate for a lump sum payment 20-40% off * If the debt was sent to collections recently, you can often still pay with the hospital directly * Ask the hospital or collections agency to itemize the bill, which will often reduce the amount * (Charisma roll required) You can "call bait" a debt collector into committing an FDCPA violation, wh...") |
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== | == Expenses == | ||
=== Cryptocurrency === | |||
==== On and off ramps ==== | |||
Kraken is the best centralized exchange (CEX) for buying cryptocurrencies. You can get the best rates by using [https://pro.kraken.com Kraken Pro] (it's free, just a different user interface with lower fees) and checking "Post only." | |||
Coinbase is the best way to liquidate USDC for USD– it does so at a 1:1 ratio with high limits. | |||
=== Medical debt === | |||
* Medical debt below $500 will not show on a credit report | * Medical debt below $500 will not show on a credit report | ||
* Once debt gets sent to collections, you can usually negotiate for a lump sum payment 20-40% off | * Once debt gets sent to collections, you can usually negotiate for a lump sum payment 20-40% off | ||
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* (Charisma roll required) You can "call bait" a debt collector into committing an FDCPA violation, which can reduce the amount of debt by up to $1000 | * (Charisma roll required) You can "call bait" a debt collector into committing an FDCPA violation, which can reduce the amount of debt by up to $1000 | ||
=== See also === | ==== See also ==== | ||
[https://www.reddit.com/r/UnethicalLifeProTips/comments/hr6ccy/ulpt_how_to_dispute_medical_debt_the_right/ How to dispute medical debt the right way] | [https://www.reddit.com/r/UnethicalLifeProTips/comments/hr6ccy/ulpt_how_to_dispute_medical_debt_the_right/ How to dispute medical debt the right way] | ||