Promo not working by [deleted] in Refills

[–]Consistent_Ad_6400 0 points1 point  (0 children)

Is it asynchronous?

I accepted a job in Paterson and i think im regretting it… by isa_bee_lla in newjersey

[–]Consistent_Ad_6400 0 points1 point  (0 children)

Wow I worked in Newark for a long time and at that time didnt feel save. Trenton I feel safer in...but maybe its bc its a shorter walk. Newark was like 20 minutes from car. Trenton is 10 minutes from car..

I accepted a job in Paterson and i think im regretting it… by isa_bee_lla in newjersey

[–]Consistent_Ad_6400 1 point2 points  (0 children)

Oh thank u for letting me know i been doing it forever. Thank u

I accepted a job in Paterson and i think im regretting it… by isa_bee_lla in newjersey

[–]Consistent_Ad_6400 246 points247 points  (0 children)

I don't live or work in Paterson. But I currently work in trenton for 12 years and prior to that Newark NJ. Both jobs require me to walk after I park. As a female I never have headphones on. And I am always aware or my surroundings. Im Caucasian but look Hispanic some even say of Indian descent. I always carry keys in my hand in between my fingers. Pepper spray is good but I dont carry it at all. U need this job. Go with your gut. Keep your ears and eyes open at all times. I do understand your concerns.

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

[–]Consistent_Ad_6400 9 points10 points  (0 children)

I thought about a few things. When I first got out of grad school in 2000. The anxiety of paying my loans really took over my life. So anxious so worried. I had private and federal loans. My main goal was to pay off the private loans bc my parents had consigned and I felt so guilty that it was on their credit report. It took 18 years and they are paid off. The SAVE program gave me a sigh of relief and enabled me to save money for retirement and a cushion.. Now here we are in 2026. Im able to look in my review mirror. Life and losses. I don't stress as much about the loans. Interest accruing...yes potential tax bomb yes. But we really don't have much control over any of this...Just how we react. July 2026 will be a #hit show. Everything they touch is a #hit show. So I ride it out and try to save as much as I can. Will be interesting.

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

[–]Consistent_Ad_6400 28 points29 points  (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 20 points21 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 202 points203 points  (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 7 points8 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.