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car48

car48

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  1. Do not take $ out of your IRA. If you want to go the entire graduate degree route over lets say 6 years (being optimistic), just not contributing the max amount to your IRA will cost you 142k by the time you retire (at an average rate of 7% return). That's just not contributing, every penny you take out right now will cost you because the market is down, and you lose the ability for that money to compound annually. And lets not forget, IRA money taken out early gets penalized 10% by Uncle Sam. This whole thing will cost you 100's of thousands from your financial description. If it is worth it to you, go for it. But be aware you are downsizing your retirement in a HUGE way.
  2. car48

    The wage gap myth

    Not trying to start a gender war here, but would like to get someone to defend the idea that there is a wage gap. This video pretty much sums up why there isn't one to me: It is all about personal choice of the individual. If you make an apples to apples comparison of a man and a woman who make the same life choices, but there is a statistically significant difference in pay I will be all on board for correcting it. But I am a male in my mid 40's who just graduated and started working in nursing. Regardless of the reason I got into nursing so late (other prof., taking care of kids, whatever), I do not deserve, nor am I entitled to making the same $ as a female (or male) nurse who has been in the workforce for 2 decades. Other life decisions count too. For example: Male Nursing Statistics | Fastaff Travel Nursing Highlights from this are: While 3.2 million (91 percent) nurses are female, only 330,000 (9 percent) are male. Men are best represented among nurse anesthetists. In 2011, 41 percent of nurse anesthetists are male. So for the highest paid nursing job men represent more than 4x their general number. In addition to that Men make up 24% of the NPs. Going further, men statistically take off less time from work, and work more overtime. You can chalk that up to child care if you like, but that is a decision made by the mother and father. There is no way to legislate that, nor should there be. I do not buy the societal pressures argument either. My wife supported me when I went to nursing school... so what. That is what we decided. Nobody is putting a gun to anyone head saying what they can or can not do. Hell, I just had someone ask me last week "so what do they call a male nurse?"
  3. car48

    Is Shortage in Nursing really a hoax?

    To start with, nursing is not my first degree; history is. While that may not be an economics degree I think it qualifies me more than you to speak about things like this esp. when you bring up the history of China. So your contention is that a conservative leaning media has brainwashed American citizens into thinking what exactly? Where has the rich guy ever been made the good guy by glowing media approval, unless (like BUffet) they start making statements like yours? Show me the capitalist in our society who has been made out to be the good guy by 'commercials'. Now what I would really love to know is how you think emulating China is a great thing. I am no fan of Trumps, but I don't know how much he inherited so I can't say how great he is at making $. But I do know how China made its money... slave labor. Communism is the way to prosperity? What in the modern age has China invented? They steal I.P. and than set their slaves off to work. They also sell their slave labor to American companies to make more $. Books have been written about how China has become a world power, but not one of those books says that China should be emulated. And if you don't like Trumpian policies, than why are you complaining that he is putting up trade barriers to China? According to you proectionism is what got China where it is today. That and slave labor, so lets also get rid of the min. wage. And you really don't know how a free market works. Capitalist create goods and services that others want. If I don't provide a good or a service that people want I will go out of business. Why do nurses make higher than the median income... because we can provide a service that people want. Why do starving artist starve? Because their service is not in demand. Not sure how Bill Gates is a crony capitalist. If you know of some subsidy he got I am all ears (I am truly interested). However Musk is a fraud and a charlatan. I just told you I got 12k from buying 2 EV cars (not Tesla though). Why are his cars discounted thousands of dollars right off the shelf? No other car company is given that kind of subsidy. He is the anti-capitalist. He has billions of dollars thrown at him from stock holders with rose colored glasses throwing money into a company that has never had a quarter (much less a year) of having a profit despite the fact he is given additional billions from government subsidies (crony capitalism). His company is worth more than either Ford or GM... and they don't even make 1/100th of the cars. This man has a waiting list of people wanting to buy his cars, but he is so bad at what he does he can't take their money because of his incompetence as far as production goes (6 month waiting. Which is why I took my $ as well as the 12k of tax payer/your $ somewhere else when it came time for me to purchase my EVs). And your metaphor about feces rolling downhill. Whatever. Cream also rises to the top. Lets not joust in metaphors. It is childish. Using myself as anecdotal evidence (which is not strong evidence, but it is strong to me since I have lived it), I don't owe anyone to "Pay it forward" to other than my kids. My wife and I both bring an income into our home, but we only need one. She pays the bills with hers, I invest with mine. Because of the way WE HAVE CHOSEN to live my home is paid off, I have no debt (and never have had debt), and I have enough saved now that I could buy my current home twice more if I had to. To this day I have never made more than 50k a year, but I intend on retiring with a few million. Who are you to tell me I don't deserve what I have earned, or that it is wrong for me to give what I have EARNED to my kids instead of 'paying it forward'.
  4. car48

    Is Shortage in Nursing really a hoax?

    You are talking about crony capitalism, and I am against that. Telsa, GE, GM should have all been left to die. As should solar and wind power because they are heavily subsidized. I own 2 electric cars because politicians were stupid enough to give me 12k of YOUR money to buy them. I am considering going solar in my home... because YOU will be paying about 25k for an improvement on MY home. Just because it is legal, it doesn't make my theft any less stealing. Your argument holds no water for a very simple reason. 47% of the population does not pay federal income tax. IMO these people should not even be allowed to vote because they have no skin in the game. How about this. We raise all of the top 10% taxes by 20%, BUT the people who contribute nothing now not only do not get their "earned" tax credit, but they have to contribute 5%. So if "paying your dues" is important to you shouldn't the bottom 1/2 of the population pay theirs? If not than it is stealing because while they pay nothing they drive on our roads, go to our schools, call our police and fire department: In addition to the community resources they use daily but do not contribute to they openly steal from the producers in the form of social programs like food stamps and welfare. They are muggers, and they use their vote as the gun. I do not want to "Pay it Forward". I owe those people nothing, and neither do Bill Gates or Mark Zuckerberg. Who btw by nature of their success have improved the world, including the people who contribute nothing but still own a computer or go on facebook. And in terms of me taking out my money from my 401k on an economic downturn... that is not how that works if you know what you are doing. When you get 8 years out from retirement you starting converting your investments to safer things like bonds. Than when retirement hits even if their is a full out depression you are still mostly covered. In the entire history of this country (including the great depression) there has NEVER been a 10 year span where the stock market was down. So ya, I can prosper; because me doing well is not dependent on the people who do not contribute. It is dependent on myself and others that produce. What will stop me from prospering is when I am deemed too rich by the non-producers and my wealth is stolen from me to subsidize their social programs. What is funny about this is that you think this only effects the top hat monopoly guy. Sorry to brake it to you, but you are the top 15%. (Approx) being a nurse. Access to this page has been denied. When they come looking for $ it is not just going to be some rich oil baron who twirls his mustache as he ties a virgin to the railroad tracks.
  5. car48

    Is Shortage in Nursing really a hoax?

    lol, ok. I stand corrected. Reverse the roles of the insects than.
  6. car48

    Is Shortage in Nursing really a hoax?

    It's not bias, it is math. The government caps the amount it steals from wealthy people so that they can cap how much they pay out to them (at this point it is continued stealing because they continue to take the money knowing full well they will never pay even the trivial percentage SS pays back.) The baby boomers are going to bankrupt the system. There is no opposing argument to that. SS was unsustainable when it was created in the 30s. The only reason it has lasted so long is because the baby boomers were propping it up. I don't see how the difference in taxes between 1950 and now is relevant. But to that point, no they were not. On paper the taxes were around 90% for the top earners, but no one paid that. If there had actually been a 90% tax rate the whole country would have gone bankrupt. The loopholes provided by the government insured no one paid anywhere close to it. The only relevance I can see for you bringing it up is that you think it is ok to steal other people's money to prop up SS. A wealthy person's money is not the government's piggy bank. The bottom line is this. SS is going to not be able to fulfill its obligations as it currently exists. Even if Trump were an economic genius (and he is not) and the economy boomed at 3.5 percent over the next 20 years it would still go bankrupt. The way that SS will be propped up is by the government stealing from the people who produce and giving it to the people who don't. A lot of people like to talk about paying a "fair share". How about before we talk about raising the taxes on the people who produce in this country why don't we talk about the lower 47% that pay nothing in federal tax? It hardly seems 'fair' that almost half the population contributes nothing. I personally don't care if they get rid of social security. I was warned it was not going to be around so I planned my retirement knowing that. I have a 401k and an IRA I contribute to each year. If they get rid of it, get rid of it for everyone because I will not stand for them saying that I don't deserve the crumbs social security provides because I have been 'means tested' not to need it. If you have not saved for retirement than you work till you die. You made the choice when you decided not to save. Every kid has heard the story about the grasshopper and the ant. Winter is coming ant, and I am the grasshopper; that click you are hearing is me locking my doors. The ant is owed nothing.
  7. car48

    Inverted T wave

    Thanks, I was just looking to see if an inverted T wave could be benign. I am going to have it checked out either way, but because I do not present with the usual things that come with a T wave inversion I was curious if this may all be much ado about nothing. So I guess instead of writing a small book about it, I should have just asked if it is possible.
  8. car48

    Inverted T wave

    I went to get my physical last week and the EKG shows an inverted T wave. I know what that can potentially mean, but all of the. possible issues that could cause that have some degree of heart failure to them. I do not have heart failure. I run a few times a week for a mile in 9 minutes. If I pushed myself I could pass a PT test for an 18 year old in the army. I am not marathon runner, but I certainly don't get winded going up the stairs. In addition I have a good amount of muscle on me. Right now I can bench press over 200lbs. I don't get chest pains upon exertion. My question is what could be causing an inverted T wave? I had heard that sometimes there is no corresponding ailment, it just is what it is. I am in my mid 40's and weight 210lbs at 5'7. Now before you jump to the overweight conclusion a significant part of my weight is muscle. I do not have a six pack, but my body fat is 24% which isn't horrible. The inverted T wave was spotted years ago before I really knew what it could potentially mean. I was about to start nursing school (which stopped me from going to the gym) and was at the height of me working out. I ran between 2-4 miles 4 days a week at a pace of 7 minutes and 30 seconds per mile. My weight was 198lbs, and I had a 17% body fat. My max. bench press was 375 lbs. The reason I had an EKG done than was unrelated to any heart problems (I was bitten by a poisonous insect). I am speculating that perhaps my running may have caused this, because while I did not run marathons I pushed as hard as I could every time I ran. For a regular runner that wouldn't be a big deal, but normal runners weigh at least 50lbs less than what I did. Muscle or fat, the heart still has to push blood through it. The original doctor years ago talked to me and was not worried about it, so I had forgotten about it. The NP who did my physical set up a stress test for me. What gets me is I can not come up with a patho that explains it. Any ideas?
  9. car48

    Is Shortage in Nursing really a hoax?

    The average growth of a job in the US is 7%. The growth in nursing is 15%. There is no arguing that, that is a fact Registered Nurses : Occupational Outlook Handbook: : U.S. Bureau of Labor Statistics But if you like anecdotal evidence there is this: When I was in nursing school one of the other students had to take her kid to the ER. She was there for a while, and mentioned that she was going to be graduating in a couple of months. They more or less offered her a job on the spot. (they told her to come back once she graduated for an interview and she would def. get it).
  10. car48

    Is Shortage in Nursing really a hoax?

    Day after I passed NCLEX I sent out 2 resumes. That afternoon I got a call, and an interview the next day. The day after the interview I was called and hired. The day after that the second place I sent a resume to called to set up an appointment (had the job, didn't go). The day after that I got a call from the hospital that I was hired at for another interview in another department (didn't go, had my job). My pay is normal for my area, and I start with 4 weeks vacation (never had 4 weeks, esp. not starting out). I have zero healthcare experience other than being a new RN, and I do not have my BSN yet. My area may have a nursing shortage. Never heard of one, but that could be the case. One of the reasons people say there is a gender wage gap (which there isn't) is because men are more willing than women to move to where the work is. Take crappy hours for more pay. Work more OT. And go into more specialties. Outside of the mythical wage gap, if you are willing to do those things you will get good work. I already told my boss I am willing to work Thanksgiving, Christmas and New Years. I also requested to work nights and weekends for more pay while going to school to get my BSN. I have volunteered to learn whatever they will teach me. I understand if not everyone wants to do stuff like that, but that is a life decision and what your priorities are. Please do not bite off my head with the facts I just posted if you are a female who prioritizes as I stated above. These are general trends and not specific to an individual. It is not sexist to say "most nurses are women" if in fact most nurses are women. That is not to say that there are no male nurses, I am one. It is also not sexist to say men tend to work more OT. Men do work more OT. That is not to say women do not work OT. Also to the last poster and social security. If you are close to retirement you will probably get SS. But for anyone under the age of 50 if you think you are going to get it brace yourself... the only way you are getting it is if you are dirt poor at retirement. The government is probably going to 'means test' (which is code for stealing money from people who contributed to social security based off of how much they retired with). The money has been spent and social security will go bankrupt in less than 15 years. If you are 65 and only have 100k in a 401k that is your own fault. There are many great ways to save for retirement (IRAs) so if you have neglected to do so you only have yourself to blame. By not saving when you were younger you have chosen to work till you drop. Also your assertion that saving 500 a month will not add up to much is untrue. The reality of compounded interest goes like this. If when you were 18 you got a job that paid 24k a year and you put away 4.5% (the same amount the government steals from your check in the form of social security) and your employer (who also has to pay 4.5% to social security for employing you) also contributes that same 4.5% when you retire at 65 with a typical return of 8% you will retire with a million. And that is if you never make more than 24k during your entire life. Where saving 500 a month is not a lot of money is if you started saving when you were 60 and plan on retiring at 65. But again, if you waited until 60 that is your fault.
  11. car48

    Intimidated by being only male

    oops, double posted.
  12. For my class it was 92%. According to the website the national average is not out yet. How does that number compare to the completion rate? I only ask because so many here seem to have had a lot of issues with NCLEX and I am wondering if it might be the school you went to. I have no basis of comparison in terms of how good my school is, but NCLEX was the easiest test of my student nursing career. When I picked my school the completion and NCLEX pass rates were my deciding factors. If I can't finish the course, or can't pass NCLEX than the whole thing is a bit of a waste of time was my way of thinking. I am curious if some of these schools have like a 100% completion rate coupled with a 60% NCLEX pass rate.
  13. car48

    How did/do you pay for nursing school?

    I wanted to post on the cartoon. If it is so easy to be a student athlete... go do it. They have a skill that is hard to gain and maintain. Imagine nursing school with 5 hours of practice 5 days a week followed up with a game on the weekend. I was never a student athlete, so I am not bias in that regard. What annoys me is the idea that what they do is somehow unfair. You can hear the same type of thing about doctors and nurses. "Why do they have to make so much money?". Like the only effort it took to get our licenses was being lucky when fate was handing out jobs. That kind of notion goes along with the whole idea that healthcare should be a right. My labor is not your right. Sorry to break it to you, but when they come looking for places to cut to make healthcare more affordable they won't be taking it from the CNAs. As to how I paid for my school. I was an older student and had my house paid off and money in the bank before I started. I walked out of nursing school with my degree and no debt.
  14. car48

    Put on Probation in third semester

    i think that doctor was a bit of a jerk. He went to how many years of medical school, and you have been a nurse for exactly zero seconds. It was protocol during my clinical that all meds be witnessed by my instructor while I administered them. She wanted to be able to help as many other students as she could, so oral meds she just left us to administer ourselves last. In addition to that I have heard the stories about obnoxious god complex doctors who can not stand to be questioned over anything. As a nurse I will go toe to toe with them as a patient advocate if I think something is wrong, but to expect that from a student is insane. Esp. with something like this that the only real nefarious activity going on was by the doctor. And doesn't he have better things to do than make up drama for student nurses in clinical? What part of what you described is in his job description? Does he teach? Does he teach at your school? Does he teach nursing? If not than maybe he should stick to something he knows something about. If they wanted to make the point not to do that they should of gone about it differently. Had that doctor actually been the god complex type and you questioning him you probably still would have gotten in trouble. I honestly don't know what was wrong with him to pull a stunt like that. Next time he tells you to do something don't do it because he didn't say "Simon Says". At least than you will speaking to him on the same maturity level.
  15. car48

    Intimidated by being only male

    I just finished nursing school and passed the NCLEX. I start my new job next Monday, and I will be the only male on the floor that I am aware of. I think males bring something that compliment a mostly female prof. I can lift heavy stuff. I don't mind doing that kind of thing since I am taking for granted that some people may have a problem with a male nurse. Whether it be a homophobic thing, or wanting the 4'10 90lbs girl to give a suppository rather than the 200lbs man (which I can't blame them for) females will be able to help me out. However, if you are talking about buddying around with co-workers outside work I don't really see that being a thing for me at least. The females I am friends with are more tomboyish and into the things I like. Us all being nurses is great, and we have something in common, but somethings just don't translate well. When I was checking out my new floor a guy came in and showed the other nurses the engagement ring he bought his fiance. Women surrounded him like coyotes on a carcass lol. Not really my thing, but that is why there is a difference between men and women.
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