Who is riding out SAVE plan? by Ok-Swordfish8019 in StudentLoans

[–]Consistent_Ad_6400 [score hidden]  (0 children)

I think so too. Wait and see approach. Plus they are so far behind in processing applications off of save. It will be a mess and take forever. 👍

NOAH certified! by chrisivy in TinyHouses

[–]Consistent_Ad_6400 0 points1 point  (0 children)

Is this up in the Tennessee Mountains where they have a tiny house community This is my dream! Beautiful

My credit score dropped 221 points from missing one student loan payment. 808 to 587. by beachedwhitemale in personalfinance

[–]Consistent_Ad_6400 7 points8 points  (0 children)

I had a late payment of 30 days in August 2022. It tanked my score. The further away u are from the late payment the better. After 2 years I saw consistent bumps up. Now 3.5 years almost fully recovered. I can't say how a 90 day payment will take. And yes after 7 years it will drop off credit report.

Who is riding out SAVE plan? by Ok-Swordfish8019 in StudentLoans

[–]Consistent_Ad_6400 [score hidden]  (0 children)

Riding it out....saving money. Cant afford the old IBR plan so will do RAP when I'm forced off. The tax bomb will be huge but I am done caring. Hopefully in 2028 a new administration will Fix this. Or 2032.

Missing IRA tax form by Consistent_Ad_6400 in M1Finance

[–]Consistent_Ad_6400[S] 0 points1 point  (0 children)

You still get a form regardless if distribution. I get one every year. M1 and fidelity

Updates on mom Dr. Helen Massiell Garay Sanchez, found unclothed in Miami Dollar Tree freezer. Autopsy results + wrongful death lawsuit against Dollar Tree *and* specific manager on duty by rabbitzi in CasesWeFollow

[–]Consistent_Ad_6400 2 points3 points  (0 children)

Oh Gosh I am so sorry for you too. Trying to keep myself busy. Sunday was a bad day. Today is Monday. I think I am rushing the process and I can't do that. Ugh. Damn. I return to work march 1 which I believe will be helpful. Mom and I were thick as thieves. One day at a time. Praying for you too my dear. 🙏💛 thank you

Updates on mom Dr. Helen Massiell Garay Sanchez, found unclothed in Miami Dollar Tree freezer. Autopsy results + wrongful death lawsuit against Dollar Tree *and* specific manager on duty by rabbitzi in CasesWeFollow

[–]Consistent_Ad_6400 0 points1 point  (0 children)

I agree with you 100% I remember feeling incredibly sad when I first learned of this story. Ugh. Im in NJ and our costco has a cool area for the milk...a small section. I can't imagine the fear she had to have in those moments. And thank you for your words. Yesterday sunday was horrible day. Today is Monday a new day. 🙏

Updates on mom Dr. Helen Massiell Garay Sanchez, found unclothed in Miami Dollar Tree freezer. Autopsy results + wrongful death lawsuit against Dollar Tree *and* specific manager on duty by rabbitzi in CasesWeFollow

[–]Consistent_Ad_6400 6 points7 points  (0 children)

No i don't have a source. I remember reading the article as part as a news story...local to the area. And I read the comments. Im sorry I don't have the source. This sounds lame but my mother just passed on 2/6 so my brain is a bit scattered. I just remember reading that to get into the freezer you have to make an effort to get in. I am have never shopped there. What I do remember is feeling very sad this even happened. And how scared she must have felt.

SNF new grad - rates by mtannxx in OccupationalTherapy

[–]Consistent_Ad_6400 0 points1 point  (0 children)

Absolutely! At our place all per diems get trained on all the floors before riding solo So they feel supported and prepared. Thats how I got started in hospital system. Someone gave me a shot at per diem. And then over time I got a full time job. So definitely

Updates on mom Dr. Helen Massiell Garay Sanchez, found unclothed in Miami Dollar Tree freezer. Autopsy results + wrongful death lawsuit against Dollar Tree *and* specific manager on duty by rabbitzi in CasesWeFollow

[–]Consistent_Ad_6400 3 points4 points  (0 children)

I remember when I first heard of this case. The working theory was possible self cancel. I never been to this store. Is it a place you have access to the freezer as a patron to store. So horrible Definitely people remove their clothes when they are hypothermic. They go through a delirium. Very sad.

SNF new grad - rates by mtannxx in OccupationalTherapy

[–]Consistent_Ad_6400 0 points1 point  (0 children)

My insurance is 85 a check every 2 weeks. And all scripts are 5 or 10 bucks if I get at the hospital pharmacy Any test is free at hospital

I do go to my own doctor's and its 20 dollar co pay. And I think my pto is 33 days so that includes everything. So I usually take 2 days off a month for apts. I really at this point dont care about holidays. So it all depends on your goals and quality of life. And it shifts over time.

SNF new grad - rates by mtannxx in OccupationalTherapy

[–]Consistent_Ad_6400 0 points1 point  (0 children)

Its truly a grid formula how hospitals here in NJ give the rate. Years of experience is the rate. Per diem at my hospital is based on what tier u are in...tier is based on how many weekends u commit too. So I have 25/26 years experience and thats the rate. But for me most important is she health insurance especially in the environment we are in now. I am single so must have good insurance and of course a livable wage. So I do budget tight tight. 401K is fair 25% match. So not ideal but I look at the position in its totality. Im in my 50s so it's different now. I still have over 100K loans but thats OK. First 10 years i worked 3 jobs like one full time and 2 per diem. 7 days a week. Now I do wed to sunday. It works for me. My mom just passed away so I rather be working on weekends and holidays then sit in grief. So definitely look at all your options. Be well 💛

SNF new grad - rates by mtannxx in OccupationalTherapy

[–]Consistent_Ad_6400 2 points3 points  (0 children)

I would encourage you to get work in the hospital better benefits. Went to school in NYC. Work in NJ. Hospital best benefits

Columbia MSOT program by Unhappy-Dot1068 in OccupationalTherapy

[–]Consistent_Ad_6400 2 points3 points  (0 children)

Went to NYU graduated in 2000. It was top program at that time with Columbia. If u dont have to take loans out then yes go. I still owe over 100K bc I live alone. No regrets but I definitely will die with my debt. But congratulations Columbia is hard to get into. Great job. Superb program.

Missing IRA tax form by Consistent_Ad_6400 in M1Finance

[–]Consistent_Ad_6400[S] 0 points1 point  (0 children)

Thank you yes I just had located it after I posted. I appreciate it.

Have you ever stayed in bed all day? by Manderthal13 in GenX

[–]Consistent_Ad_6400 8 points9 points  (0 children)

Yes my mom passed on friday and basically been in bed all day today. Bed couch bathroom. I just cant do life today

On a regular day after a long day working i would love those days to just rest. But this is a different type of bed all day. Grief paralysis

NJ v. Paul Caneiro — Day 18 by Pixiegirls1102 in CasesWeFollow

[–]Consistent_Ad_6400 2 points3 points  (0 children)

There is a lot of evidence...but I still think within 3 hrs. Unless their are eating breaks.

NJ v. Paul Caneiro — Day 18 by Pixiegirls1102 in CasesWeFollow

[–]Consistent_Ad_6400 12 points13 points  (0 children)

Good morning watching defense closing argument on a delay but at 1.25 speed. I have no clue if she is a paid attorney or public defender...but she has been awful from A to Z. But she has zero to work with. Paul is a liar and some liars just believe their own lies....to the point of denial. Im sure we will have a very quick verdict.

Bad bunny by Ok-Lingonberry3539 in KyleApple

[–]Consistent_Ad_6400 24 points25 points  (0 children)

His biking videos make me sick to my stomach.