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Joined 2 years ago
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Cake day: November 5th, 2023

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  • “to my understanding most cards in the US are credit cards”

    This statement confuses me a bit, but I guess that adds to the misunderstanding? Debit and credit cards are tied to different types of accounts. Which you’re using depends on if you have the money and want it immediately removed from your checking account, or if you want to “borrow” and pay the total once a month.

    When I helped my sons open their first checking accounts and got their debit cards, we had to “opt in” to not allow overdrafts and to have purchases cancelled, but that option would expire once they hit a certain age and would have to select it again. The backup to that is if you have a savings account, the accounts can be linked so that if you were to overdraft, the extra would be taken from savings to prevent overdraft fees.

    These are all great things, assuming you have money in the first place. If you believe Americans are using credit cards more often than debit, it’s probably 1) because CC companies incentivize us to do so, or 2) people just generally don’t have the money to meet their needs in the first place, so juggle and borrow funds as they try to keep their heads above water.


  • Keep in mind that for a number of people, places like Starbucks and Dunkin create an accessable entry to something beyond a home made pot of Folgers.

    I grew up smelling my parents coffee and enjoying the smell, but the taste was horrific so I swore off drinking coffee. Fast forward many years and I dipped my toe into that overly sweet and milky Starbucks and found something that actually tasted good to me. Many years later I have my own grinder and espresso machine, and numerous other coffee gadgets, and might only darken the door of Starbucks/Dunkin a few times a year for convenience. Can I make something at home I enjoy more? Yep. But there’s nothing wrong with other people having other tastes along their coffee journey.




  • Well, there is a “solution” in the works. It’s currently not required for my position and will only initially apply to Medicare (or Medicaid - don’t recall which) patients.

    The hospital provides field staff with cell phones. There’s an app we’re just getting training on that will time stamp our visits, travel, and mileage, as well as track GPS for verification of visits. It will also flag and ask for clarification if travel time exceeds expectation.

    Currently we self report, so if I stop at McDonald’s because I have to pee, it’s nobodies business. Many of my coworkers are less than thrilled with the new app (honestly most aren’t that fond of tech or changes to begin with) even though management is attempting to reassure that they’re really not intending to track us, it’s just for patient verification (for the very small percentage of patients it applies to.)