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What's New in this Club

Grab some coffee, sit back ... and chat about diet, tech, sports, dating, and more. Open to everyone!

  1. What's new in this club
  2. SmilingBluEyes

    Thoughts (random)

    An argument could be made that I don't want to have to live in a bunker, especially due to something that can be brought under control like COVID. ( bringing up COVID cause this is the COVID forum).
  3. hppygr8ful

    Thoughts (random)

    Mods please move this to any topic area you find appropriate! I love the tennis match this has become. I started here because I don't want to seem to be attacking or angry at any specific poster. I believe everyone who is participating in these threads has valad points and well as some not so valid. There is even the My Body, MY choice argument. Which implies a certain amount of freedom on the part of those making these decisions for themselves. Speaking only about the United States now as I have no idea how other countries do things but part of the paroblem is that people in this counrty actually believe we are free. Americans have not been free since the first settler's came to our shores in search of religious freedom and promptly turned on those in their number who dared to have different spiritual practices. We have a long history of valuing freedom at the cost of the lives and freedom of others. A few examples : The African, Slave trade. the programs of indentured servitude and let's not forget the program of extermination of the aboriginal people who were probably the last North Americans to be truely free. There are meny things in today's American culture that attack our freedom. Free people should get to keep the money they make and not pay taxes. Recently there have been several large homeless encampments buldozed in Southern California. Don't these folk deserve to be free? I cannot refuse to educate my child (I wouldn't make that choice but the fact remains). I should as a Libertarian be able to live where I want, with whom I want and make my living however I want as long as I am not hurting other people.
  4. Yeah, you need a break, or maybe something totally different. It's been easier for me, as I've done private duty home care for almost 40 years with some hospital-based nursing before that. I wouldn't do well in a hospital. I hope you find a good place. 🙂
  5. I am totally mentally exhausted from dealing with the covid-19 nursing world. My claustrophobia from masks has become intolerable. My aversion to over-reaching, meaningless government regulations is utterly heightened.
  6. Debt-free is the way to go! Emergent, are you tired of nursing or are you simply tired of the jobs that nurses have? I hope whatever you switch to brings you happiness and peace. I can see myself retiring, but I'll always think as a nurse. I think.
  7. https://www.debt.com/credit-score This website has an explanation on credit score. Your ability to make payments on time, and keep your total usage of credit under 20-30% is important. So if you have five credit cards, none maxed, but making payments on time, you're likely to have a good score.
  8. A credit score isn’t a score of financial savvy. It’s a score of how good a debt customer you are. Credit score is made up of: Types of debt (revolving vs installment) Debt utilization (how much of the available credit is used) Payment history (on time or delinquent) Age of the accounts (longer history, higher score) So while the high balances are hurting, a long time history of always paying on time will boost the score. That’s the kind of person credit card companies love- carry a balance they make a profit off in interest fees but also pays them as opposed to going into collections.
  9. You want to keep your debt to total available credit ratio under 20% ideally. Paying it off each month is best, but it also runs the slight risk of a credit card company closing your account, which will increase that debt to total available credit ratio (because there is less total available credit if a credit card is closed).
  10. My co worker he used to be an ER Nurse and MH Nurse, he has like 5 credit cards with like $5000-$10,000 as a limit for each. Has thousands of dollars in debt, he pays the bill of course not in full but he pays maybe 50%-75% of it, and he has been doing this for months and his score is in the low 800's? I ask him why he never pays off in full he says the money goes to the mortgage, car payments/insurance, phone bills, retirement, electricity bills, the kids etc.. stating if he paid his cards in full all the time, he would have no money for the listed above. He says the credit cards he uses it for entertainment, house renovations, family trips domestic and above, going out to a restaurant with a friend etc... So does not paying in full ruin credit score?
  11. I'm hoping just revenge because she's wrecked her relationship with her husband and probably friends as well. I think she'll be staying with Nick.
  12. The Testament is worth a read. I wonder what accountability will look like for her...or if there will be only revenge.
  13. Just the Handmaid's Tale, her first book. I absolutely love the series. It's so well paced. Just finished the fourth series I think. I think Moss is going 'Gangsta' the next series!
  14. Stopped off at my parents tonight for dinner and stayed and watched The Halfway House, a 1944 movie. Oh my, was it good! Absolutely brilliant!
  15. toomuchbaloney

    So any good Books you would recommend?

    What a list! An aside...the bus that was featured in the story "Into the Wild" was recently airlifted out of the near wilderness and will be displayed in the Fairbanks area. That sad story resulted in more than one death or rescue of curious tourists feeling a need to hike back to the camp. https://www.nytimes.com/2020/06/19/us/into-the-wild-bus-removed.html
  16. toomuchbaloney

    Used Cars!

    We are partial to Toyota and have enjoyed several that we purchased used and drove until they weren't drivable. 4 Runners are the perfect vehicle for interior Alaska...IMV
  17. Curious1997

    Used Cars!

    She's the one that hates it. It's a Honda Odyssey and it's loaded and drives brilliantly. I would rather drive that frankly. She's 32 and it's the soccer mom image thing, I think. She also always gets me into trouble and then pretends that it was all me the whole time.
  18. NRSKarenRN

    Used Cars!

    I resent that minivan comment --- very practical for a family. Driving my 3rd Dodge Caravan (previously had a Chrysler Pacifica); chose it as was able to easily get a wheelchair in/out of the back as lower to ground compared to other vehicles, store 4 oxygen tanks and backpack behind front seats. Previously transported Boy Scout patrol to activities, moved my son to Virginia -and back, while this Summer moved mini fridge, microwave, air conditioner, 3 suitcases and ton of supplies to camp --easily drove right up to my cabins front door over grassy knoll. 😉 😎
  19. Curious1997

    Used Cars!

    Got my eye on a 1988 BMW 650i but the guy wants $56k for it in mint condition with 13,000 genuine miles on the clock. Drives like a dream but I don't know if my mom will let me have two very expensive cars. I'll never hear the end of being frugal. My older sister is all up in my business and wants me to get it, because her husband makes her drive a minivan.
  20. NRSKarenRN

    Used Cars!

    Above good info. 1. I test drive car on a hilly road to see how pickup will be --if it bogs down with no acceleration, not for me since PA has many hills and I travel to mountains periodically. 2. Look for a vehicle with ~ 50,000 miles or less on speedometer -- many car warranties will cover drive train/engines up to 75,000-100,000 miles. 3. Check the Carfax report for accidents, repairs -- helps prevent one from getting a lemon. Was vehicle from car rental company--I tend to pass over as often preventive maintenance deferred. Hope your next car a winner.
  21. Curious1997

    Stock Investment Discussion!

    I'll begin with Tele health. I think Amazon is going to get into this space big time but the stock price is seriously high and I don't see how it can go much higher. However it could potentially split in the future so it might be a good buy now. However, Lina Khan in FTC is pushing to break up the big four which I wholeheartedly agree with so, is it a risky proposition? Anyone has any ideas re?
  22. Curious1997

    Stock Investment Discussion!

    Lots of really bright people here who actually read. No sense in not profiting from this hoard of talent. Based on Florida's or any state's govt stupidity and its inhabitants electing those idiots, resulting in their present situation, HOW can we make hay? I foresee another shut down with the resulting deaths, economy slowdown and cascading incidents? What industries or businesses would you invest in to address those issues? Provide a rationale for your choices as well.
  23. Curious1997

    Used Cars!

    I was recently asked by a fellow nurse to help her with a used car purchase because her car's transmission died and she couldn't afford to fix it. She knows I drive an old banger, but is always boasting about how reliable it is. This is for any nurses or medical professionals who are in the same boat in these trying times, These are the things I look at when buying a used vehicle. Please feel free to add pointers if you want! * Forget about looks or age! * Buy Japanese or Korean! * You immediately start the vehicle when you get there and it has to be done with a cold engine and allow it to idle and look for any exhaust smoke. There should be nothing but vapor, if any smoke, which should be white and quickly dissappear. A small amount of Water may sometimes come out but not to worry, should go away in a minute or so. Run a finger in the exhaust pipe to look for residue like oil etc. There should be NOTHING! * Let the vehicle idle the entire time you are checking it out. There should be no idle changes at all. No going up or down, surging, when the vehicle has warmed up. The RPMs should go up to around 12-1500 when you first start the vehicle, but should go down to around 600-800 in a couple of minutes. * Look at the tyres. They should all be of the same make and model with good tread depth. * The interior should be clean with appropriate age wear. * Open the hood and look under the oil cap. It should be clean and the oil as well. Smell the oil and dipstick. Shouldn't smell burnt. Look at the transmission and brake fluid levels. Look under the radiator cap, it should also be clean. Look for oil leaks on the engine and under the vehicle. * After five minutes of idling, look at the temp Guage. It has to be in the middle or lower. *Check the headlights, wipers, washer, brake lights, reverse light, high beam, defogger, electric windows, side mirrors, indicators, horn etc. Check the A/C out now. Should be cold and no belt squealing. Turn the steering wheel hard to both sides. Should be no squealing or noises. *Now you test drive the car after it's warmed up and everything has checked out above. A parking lot would be great. * Drive it to 30 mph and press the brake pedal hard and let the steering wheel go. No pulling to sides and the brake pedal must remain firm and not go to the floor etc. * You have to drive it above 60 mph. Make sure that the transmission shifts smoothly. No steering wheel shimmy or pulling to one side etc. Engage the cruise control now. Check how the suspension responds during driving. If this all checks out and if you have a mechanic, let them check it out also. Hopefully this is helpful if anyone needs to get a used vehicle. Remember this is just advice and not a guarantee!
  24. Soft pretzels, mmmmmm.
  25. I think Philly's Italian hoagies are the best as well. Man, that Reading terminal is something. It has both Seattle and San Francisco beat, hands down!
  26. None of that Cheese Wit junk on my cheese steak.... American or Provolone --- occasionally add mushrooms and pizza sauce.