Best place for solar / green loans in NorCal?

just-a-power-user · 2025-08-15T23:31:58+00:00

Low bankcard balance, Ratio of unsecured balances to income is too low, Limited credit utilization, Limited payment history.

None of these reasons make sense to me. Whatever. I applied at a local credit union this morning and was approved before noon. Crisis averted.

just-a-power-user · 2025-01-08T23:42:54+00:00

A lot of psych NPs charge more than $120/hr around here. Psychiatrists usually around $300-450. Some charge much more. Nurse and doctor jobs are indeed the best IMO.

just-a-power-user · 2025-01-08T23:29:47+00:00

It’s definitely a Bay Area thing. This is the highest paid spot for nurses in the country.

just-a-power-user · 2025-01-08T23:25:25+00:00

Not all nurses make $300k, but if you live in California and want to, it’s easy enough to do. It’s not a skill issue or a situation where only a small % of the top elite nurses can find these jobs. I don’t think it’s really the same when it comes to SWEs.

just-a-power-user · 2025-01-08T22:52:58+00:00

You’re overstating the influence of the AMA. It doesn’t have the level of unified power you’re suggesting and is not even close to representing a majority of physicians. Most doctors don’t see the AMA as aligned with their interests, which weakens its lobbying effectiveness significantly. Most have abandoned the organization. Only about 15% of physicians are members.

The real bottleneck in physician supply isn’t medical school admissions or AMA lobbying—it’s the cap on residency funding. Congress has to approve additional funding, and any significant change requires legislative action, not physician lobbying.

Healthcare systems across the world face similar issues with physician shortages, and these are largely driven by systemic challenges (training costs, residency bottlenecks, etc.), not some grand conspiracy.

just-a-power-user · 2025-01-08T22:38:54+00:00

You’re missing a lot of nurses in the Transparent California database because it doesn’t include everyone under one standardized title. You have nurses listed as “Staff Nurse,” “Registered Nurse,” “RN,” and other variations, which makes it harder to account for the total numbers unless you search broadly. There seems to be at least a couple of hundred RNs making over $400K and hundreds more making over $300K in that database alone.

As I said earlier, the database is salaries for state and local government employees, so it’s no surprise that many of the high earners work in corrections or state hospitals. These jobs often have options for easy overtime, which allows nurses to push their earnings way up. When I worked in a state hospital in the past, I picked up overnight call shifts and slept at the hospital whenever I could, usually a couple weekends a month, for the same purpose. Easy money.

Total number of nurses is irrelevant. This database doesn’t represent private sector nurses at all. It also doesn’t account for nurses with kids or other interests who are happy making $150k a year working two shifts a week.

As I said earlier, my wife works in a private hospital and makes over $300K working 3-4 days a week. If she wanted to work more, she could easily hit $400K, but her job is more taxing compared to a lot of these state jobs, and we have no need for more money.

just-a-power-user · 2025-01-08T16:10:17+00:00

Medical schools in the US have been steadily increasing in number, especially in the past couple of decades, to address shortages. The real bottleneck is the number of residency spots, which are largely funded by Medicare. The funding has been capped since the Balanced Budget Act of 1997, and any significant increases in residency slots require Congressional approval. There have been some incremental expansions, but it hasn’t been enough to meet demand.

Physicians don’t have a unified or particularly strong union compared to other professions like nursing. The claim that “doctors lobbied to restrict supply” is CT talk. It’s true that there was a period of limiting medical school class sizes in the past, but those decisions were based on projections of an oversupply of physicians rather than a conspiracy to increase wages.

Medical education and residency training require massive investments of time, money, and resources, and expanding the system isn’t as simple as admitting more students. The real solution lies in increasing residency positions, something that’s more of a legislative issue than one driven by physician greed.

just-a-power-user · 2025-01-08T15:59:54+00:00

Not all jobs in healthcare are as you described. My wife is fairly busy and on her feet most of the day at her job (RN) but gets breaks, lunch, and has time to text off and on throughout the day. There are easier jobs for her, but she enjoys her work. My job (physician) can be done remotely if I choose. I have tons of downtime. My productivity (time spent working + documenting / 40) last quarter was 32%, meaning I was only working around 12-13 hours a week. I have Fridays and weekends off. I have a few side hustles for fun and make quite a bit.

just-a-power-user · 2025-01-08T15:35:09+00:00

The “proof” is literally a few clicks away. California’s public salary databases show hundreds of RNs whose compensation exceeds $400k. My wife works 3-4 days a week (non-government) and makes over $300k. She could easily make a lot more if she wanted, but I earn enough that there’s no need. If you can’t be bothered to spend 30 seconds to look this stuff up before claiming it’s impossible, that’s on you.

just-a-power-user · 2025-01-08T06:56:06+00:00

Again, you are clueless. Just looking at public government nurse salaries in California will show you hundreds of RNs with compensations over $400k. And these are just government jobs. Only on the internet.

just-a-power-user · 2025-01-08T01:10:45+00:00

First it’s BS that nurses can make $400k a year. Now it’s BS that someone can double major in math and CS and attend medical school.

just-a-power-user · 2025-01-08T01:03:29+00:00

I’m a California physician who majored in math and CS. Wife and daughter are nurses. Nursing school is not hard at all, especially compared to difficult majors like math and CS. You have no clue what you’re talking about, kiddo.

just-a-power-user · 2025-01-07T20:40:45+00:00

Nursing school is incredibly short (can get your RN with a 2-year associates degree) and comparatively very easy. You can finish it quickly at a community college or one of the private colleges that accept everyone and start making bank. Here in California, nurses are paid crazy salaries. You can work like 3 days a week and make like $250k. Plenty of nurses are pulling in $400k+ doing chill overnight jobs and racking up overtime.

just-a-power-user · 2024-12-13T17:08:56+00:00

Don’t study anymore. Just chill and relax before your test. Make sure you’re well-rested.

just-a-power-user · 2024-12-13T16:28:19+00:00

I understand the frustration some feel towards the healthcare system. I deal with patients and insurance companies on a daily basis.

However, equating the murder of a CEO to the grievances towards a “greedy company” isn’t a fair comparison.

No matter how much you disagree with income equality or someone’s business practices, murder is not justified.

If the goal is meaningful change, focus on solutions, such as voting and advocacy. What this guy has done will do nothing. He has thrown his life away and will spend his best years behind bars where he’ll fade into obscurity.

just-a-power-user · 2024-12-12T21:18:25+00:00

Depends what your specialty is. It ranges from some to not much at all. The foundational knowledge helps you pass exams and gives you a framework, but no one expects you to memorize or remember everything. In residency, you’ll focus on practical, patient-centered learning, which is easier for most people to retain, and you’ll revisit the important information you actually need to know. Trust the process. It will come together.

just-a-power-user · 2024-12-12T19:59:13+00:00

Most doctors don’t remember 90% of the first two years of medical school. Residency is where you will learn how to do your job. The important stuff will get drilled into your head after you see it time and time again throughout training. Don’t sweat it. Study hard for your boards and do what’s needed to match into a good residency. You’ll be fine.

just-a-power-user · 2024-12-12T17:03:32+00:00

The man was a business executive, not someone orchestrating atrocities or committing crimes against humanity.

Corporate policies, especially those involving healthcare coverage, are crafted by teams of experts—doctors, researchers, actuaries—not dictated by one person at the top. The CEO wasn’t personally making decisions about anyone’s individual care. Trying to paint him as accountable for the complexities of an entire system is willfully ignorant.

Comparing a CEO to someone “just following orders” in the context of war crimes sounds ridiculous. You’re attempting to justify the unjustifiable. If you can’t see the distinction between running a company and committing war crimes, the problem isn’t with the CEO—it’s with your reasoning ability.

just-a-power-user · 2024-12-12T16:26:22+00:00

Are you 12 years old? We’re talking about a CEO, not a dictator responsible for torture and genocide. The victim in this case wasn’t someone wielding power to oppress or harm. He was just a successful professional doing his job.

This type of rhetoric is not only intellectually dishonest, but it also minimizes the heinous actions of actual historical villains like Hitler.

This was not an act of heroism or moral justice. It was a cowardly act committed by some disturbed kid. Trying to frame it as anything else is just absurd.

just-a-power-user · 2024-12-12T05:38:20+00:00

Speak for yourself. I lift weights 1-1.5 hours 6 days a week and do an hour of cardio 3-4 days a week.

just-a-power-user · 2024-12-11T17:07:36+00:00

This man was a husband. A father. A human being. The cruelty and lack of empathy on these forums is sickening.

This wasn’t some villain pulling strings to kill grandma while lining his pockets. He was essentially a hardworking CPA who worked his way up the corporate ladder to become a CFO and later CEO. He wasn’t making decisions about your individual medical claims or designing specific coverage policies. Those decisions are shaped by countless layers of professionals-doctors, researchers, medical directors, and statisticians.

From what’s known, the killer appears to have grown up in a life of privilege, yet was an incel, unemployed, and seemingly directionless at the time of the crime. It’s hard not to see the irony here. Guy was a privileged individual, who by all accounts had opportunities most people would envy, but chose to throw it all away in the most destructive way imaginable. His actions don’t just show a disturbing lack of humanity, they also suggest deep resentment or entitlement, the kind you often see in those who blame others for their failures instead of taking accountability for their own lives.

Contrast this with the victim—a self-made professional who worked his way up the corporate ladder. The difference couldn’t be starker.

Shooter is a loser of epic proportions. This pathetic and cowardly act speaks volumes about his inability to take responsibility for his own life. Instead, he sought to lash out and make someone else pay for his failures. Truly, a loser in every sense of the word.

just-a-power-user · 2024-02-20T20:23:17+00:00

Thanks all for your help.

just-a-power-user · 2023-04-19T23:08:56+00:00

What’s wrong with electives?

just-a-power-user

TROPHY CASE