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  1. #61
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    Aug 2015
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    460
    Quote Originally Posted by lakshmi View Post
    YOU ROCK!

    For the record, I am married to a physician and I know how hard they work each and every day. Yes it is fulfilling but not for the faint of heart. And sometimes the very best and most caring physicians in the U.S. did not graduate from Duke or Harvard or Michigan. They came from humble beginnings and went to schools that had much more vast experiences than many U.S. schools. And these physicians often have to work ten times harder because of it.

    So, in my mind Teresa was a very uniquely qualified physician and she was doing exactly what she wanted to do but unfortunately she married someone that did not add to her life. She was basically spinning her wheels in mud trying to get anywhere professionally and I bet financially because MS was sabotaging her success. We will find out very soon--- bet on it.

    You are correct. Teresa came from very humble beginnings. She worked extremely hard for every last thing in life that she attained and acquired quite a bit of debt trying to become the type of physician that she believed could help the world one person at a time. From what I can tell, she also trusted someone who got her further into debt but pretended this wasn't the case. IMO.

  2. #62
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    Jul 2015
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    Quote Originally Posted by AmazonRain View Post
    You are correct. Teresa came from very humble beginnings. She worked extremely hard for every last thing in life that she attained and acquired quite a bit of debt trying to become the type of physician that she believed could help the world one person at a time. From what I can tell, she also trusted someone who got her further into debt but pretended this wasn't the case. IMO.
    I am curious to know how this “trusted someone“ “got her further into debt“.
    So far, I don’t notice any signs of spending foolishly or being extravagant.
    Did they own a yacht or an airplane?
    Did they own waterfront property?
    No mention of drug use, gambling, or other costly addictions.
    No mention of expensive hobbies like race cars, horses, art collecting, antique collecting, buying jewelry, etc, etc.
    No mention of exotic vacations.
    They seemed to be living middle-class is just about every way. Hmmmm – what am I missing?

  3. #63
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    Dec 2011
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    Northern Virginia
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    Quote Originally Posted by SeesSeas View Post
    I am curious to know how this “trusted someone“ “got her further into debt“.
    So far, I don’t notice any signs of spending foolishly or being extravagant.
    Did they own a yacht or an airplane?
    Did they own waterfront property?
    No mention of drug use, gambling, or other costly addictions.
    No mention of expensive hobbies like race cars, horses, art collecting, antique collecting, buying jewelry, etc, etc.
    No mention of exotic vacations.
    They seemed to be living middle-class is just about every way. Hmmmm – what am I missing?
    Without knowing how much money her practice was bringing in, and without knowing their spending habits, I don't think we can assume anything about their finances.

    All we know for sure is that the med school she went to was extremely expensive and she certainly had large student loan debt. There have been rumors of a nanny and a personal chef. Other than that, we don't know enough. Not all spending is conspicuous. Maybe they ate lobster and caviar (organic, of course] 3 days a week. Maybe her practice wasn't bringing in all that much... after all, when you spend an hour plus with each patient and work limited hours, the number of paying customers is limited.

    It's certainly not uncommon for people who appear that they should have money to be struggling in reality. Like their marital relationship, we would have to be a fly on the wall to know for sure.


    ETA. Malpractice insurance isn't cheap, and would certainly be a necessity.
    Sent from my SM-G900V using Tapatalk

  4. #64
    Join Date
    Dec 2012
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    965
    Quote Originally Posted by SeesSeas View Post
    I am curious to know how this “trusted someone“ “got her further into debt“.
    So far, I don’t notice any signs of spending foolishly or being extravagant.
    Did they own a yacht or an airplane?
    Did they own waterfront property?
    No mention of drug use, gambling, or other costly addictions.
    No mention of expensive hobbies like race cars, horses, art collecting, antique collecting, buying jewelry, etc, etc.
    No mention of exotic vacations.
    They seemed to be living middle-class is just about every way. Hmmmm – what am I missing?
    SEASSEAS Good questions....but sometimes "the appearance of a modest lifestyle can belie what is really happening with finances."

    BAD STOCK INVESTMENTS?
    I know a woman who just found out her husband lost 90% of their savings on MARGIN CALLS and Options trading. And, they hide the losses from their spouse. The "innocent spouse" usually doesn't find out until the IRS sends them a letter asking why their stock trades were not reported on their tax return.
    You'd be surprised how many people lose hundreds of thousands of dollars. HOW WOULD THEIR NEIGHBORS EVER KNOW? How would we know?
    How would a spouse know....until it becomes a crisis? IDK.

  5. #65
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    Aug 2015
    Location
    California
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    972
    Quote Originally Posted by SeesSeas View Post
    I am curious to know how this “trusted someone“ “got her further into debt“.
    So far, I don’t notice any signs of spending foolishly or being extravagant.
    Did they own a yacht or an airplane?
    Did they own waterfront property?
    No mention of drug use, gambling, or other costly addictions.
    No mention of expensive hobbies like race cars, horses, art collecting, antique collecting, buying jewelry, etc, etc.
    No mention of exotic vacations.
    They seemed to be living middle-class is just about every way. Hmmmm – what am I missing?
    Questions posed in that manner might cause one to clam up. I trust AR knows more than we do but can't divulge the details. We can trust what AR says or take it with a grain of salt, but please don't put her on the defensive.

    Sent from my SAMSUNG-SM-G920A using Tapatalk

  6. #66
    Join Date
    Feb 2013
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    843
    NoItsNot

    Thank you for the pic' of Teresa !! She is so vivacious !! God bless her and her kids !

    AmazonRiver: THANK you for posting here !! Bless you!

    Moderators: THANK YOU for this fine site & your (obviously) tireless work (for all of us) and your dedication & kindness to this group !

  7. #67
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    Apr 2011
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    9,980
    Quote Originally Posted by debbiegarcia36 View Post
    Questions posed in that manner might cause one to clam up. I trust AR knows more than we do but can't divulge the details. We can trust what AR says or take it with a grain of salt, but please don't put her on the defensive.

    Sent from my SAMSUNG-SM-G920A using Tapatalk


    Been there ...still there ...as a local on two other cases . and boy howdy respect WS TOS . It is a hard line to follow when you want to shout to the world what you know as a local .

    I really appreciate those that can do it now and are setting the stage for us in the future how to handle being an insider with so much information you want to burst.


    Kudos to Tricia and mods !

  8. #68
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    Apr 2011
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    Quote Originally Posted by debbiegarcia36 View Post
    Questions posed in that manner might cause one to clam up. I trust AR knows more than we do but can't divulge the details. We can trust what AR says or take it with a grain of salt, but please don't put her on the defensive.

    Sent from my SAMSUNG-SM-G920A using Tapatalk


    Using talk to text with lots of grammar errors !

  9. #69
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    Feb 2014
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    NC Mountains
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  10. #70
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    Feb 2014
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    NC Mountains
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    The above post is in honor of Teresa Ann Grace Sievers.


  11. #71
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    Aug 2015
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    460
    Quote Originally Posted by SeesSeas View Post
    I am curious to know how this “trusted someone“ “got her further into debt“.
    So far, I don’t notice any signs of spending foolishly or being extravagant.
    Did they own a yacht or an airplane?
    Did they own waterfront property?
    No mention of drug use, gambling, or other costly addictions.
    No mention of expensive hobbies like race cars, horses, art collecting, antique collecting, buying jewelry, etc, etc.
    No mention of exotic vacations.
    They seemed to be living middle-class is just about every way. Hmmmm – what am I missing?
    Humble beginnings are just that, humble. So an estimated debt coming out of the first four years of college could be a modest $25,000 or as much as $150,000. The cost to complete the Ross degree is approximately $250,000 when you include the cost of living in Dominica and all that living there entails. The cost to get a supplemental Master's degree and continuing education was likely a modest $10,000. At a minimum there is likely $300,000 in education debt. Add to that debt the cost to build the largest house on the block with in ground pool (which would not be the choice of TS, I promise you that) as well as the cost to start up a brand new practice and the cost to pay the salaries and contractor costs of everyone in the new practice including your husband and your husband's childhood friend and you could easily total $1,000,000+ in debt. Throw in choices like a Mercedes for a vehicle and a chef cooking organic meals, a home school teacher and a nanny and the cost goes even higher. Even with a successful practice for the past five to seven years (once it got off the ground) this level of earning does not fully tackle that level of debt.

  12. #72
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    Feb 2014
    Location
    NC Mountains
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    Quote Originally Posted by AmazonRain View Post
    Humble beginnings are just that, humble. So an estimated debt coming out of the first four years of college could be a modest $25,000 or as much as $150,000. The cost to complete the Ross degree is approximately $250,000 when you include the cost of living in Dominica and all that living there entails. The cost to get a supplemental Master's degree and continuing education was likely a modest $10,000. At a minimum there is likely $300,000 in education debt. Add to that debt the cost to build the largest house on the block with in ground pool (which would not be the choice of TS, I promise you that) as well as the cost to start up a brand new practice and the cost to pay the salaries and contractor costs of everyone in the new practice including your husband and your husband's childhood friend and you could easily total $1,000,000+ in debt. Throw in choices like a Mercedes for a vehicle and a chef cooking organic meals, a home school teacher and a nanny and the cost goes even higher. Even with a successful practice for the past five to seven years (once it got off the ground) this level of earning does not fully tackle that level of debt.
    AmazonRain, thanks for your input on this case.

  13. #73
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    Dec 2011
    Location
    Northern Virginia
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    Quote Originally Posted by AmazonRain View Post
    Humble beginnings are just that, humble. So an estimated debt coming out of the first four years of college could be a modest $25,000 or as much as $150,000. The cost to complete the Ross degree is approximately $250,000 when you include the cost of living in Dominica and all that living there entails. The cost to get a supplemental Master's degree and continuing education was likely a modest $10,000. At a minimum there is likely $300,000 in education debt. Add to that debt the cost to build the largest house on the block with in ground pool (which would not be the choice of TS, I promise you that) as well as the cost to start up a brand new practice and the cost to pay the salaries and contractor costs of everyone in the new practice including your husband and your husband's childhood friend and you could easily total $1,000,000+ in debt. Throw in choices like a Mercedes for a vehicle and a chef cooking organic meals, a home school teacher and a nanny and the cost goes even higher. Even with a successful practice for the past five to seven years (once it got off the ground) this level of earning does not fully tackle that level of debt.
    Very helpful! Thank you!

    Sent from my KFJWI using Tapatalk

  14. #74
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    Jul 2015
    Location
    FLORIDA
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    ..

    Quote Originally Posted by cpeacock1 View Post
    The above post is in honor of Teresa Ann Grace Sievers.
    That was very thoughtful of you. Thank you.

    -Nin
    If the key does not fit, it's the wrong key.

  15. #75
    Join Date
    Mar 2013
    Posts
    96
    Quote Originally Posted by AmazonRain View Post
    Humble beginnings are just that, humble. So an estimated debt coming out of the first four years of college could be a modest $25,000 or as much as $150,000. The cost to complete the Ross degree is approximately $250,000 when you include the cost of living in Dominica and all that living there entails. The cost to get a supplemental Master's degree and continuing education was likely a modest $10,000. At a minimum there is likely $300,000 in education debt. Add to that debt the cost to build the largest house on the block with in ground pool (which would not be the choice of TS, I promise you that) as well as the cost to start up a brand new practice and the cost to pay the salaries and contractor costs of everyone in the new practice including your husband and your husband's childhood friend and you could easily total $1,000,000+ in debt. Throw in choices like a Mercedes for a vehicle and a chef cooking organic meals, a home school teacher and a nanny and the cost goes even higher. Even with a successful practice for the past five to seven years (once it got off the ground) this level of earning does not fully tackle that level of debt.
    Thank you AmazonRain. My heart sank when I read this. It must have been a lot on her shoulders. Too much for one person.

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