the 100% directionless thread

Remi

Forum Deputy Chief
Premium Member
3,857
2,478
113
I'll check. Any money less spent (it's not saving money, it's just spending less) is good.
Rocketmedic's post above is correct. Paying for collision in this case is a waste of money. Get the minimum liability coverage your state requires at the cheapest rate you can find (Geico may not be the cheapest; it's worth spending some time shopping around), and then take whatever the difference between that cost and the cost of full coverage is and put it in a high-interest savings account each month. In a year and a half you'll have saved almost as much cash as what the insurance company would probably pay you for your 4runner if it were totaled.

And long-term care coverage? Why on earth are you worried about that? A young person just starting out who doesn't make much money yet has many more pressing financial priorities than that.

I'm personally not a huge Dave Ramsey fan, but he does have a lot of solid, practical advice for someone in your situation. I'd check out his website and books and podcast if you haven't already.
 

RocketMedic

Earl of the Wheeled Chair
4,473
1,220
113
LTC coverage is concealed carry insurance- basically a subscription to a lawyer service and ostensibly a modest guarantee against civil suits that may stem from a shooting.
 

CALEMT

The Other Guy/ Paramaybe?
3,593
2,476
113
Not to be facetious but has anyone taught you to budget?
 

PotatoMedic

Has no idea what I'm doing.
2,098
965
113
Ynab.com
But they cost money. But it is my favorite thing in the world of money.

You can also just use an excel spread sheet
 

PotatoMedic

Has no idea what I'm doing.
2,098
965
113
Give every dollar a job. No money is unbudgeted.
 

Remi

Forum Deputy Chief
Premium Member
3,857
2,478
113
Every dollar a job?

Hasn't thought of it like that.
One of those jobs needs to be savings. No matter how tight money is, even if you can only afford a few dollars out of each paycheck, it's a really important habit to start early on.
 

PotatoMedic

Has no idea what I'm doing.
2,098
965
113
One of those jobs needs to be savings. No matter how tight money is, even if you can only afford a few dollars out of each paycheck, it's a really important habit to start early on.
50 dollars to my emergency fund every paycheck. Even though I'm working three job at about 80 hours a week right now... I still put it there.
 

DragonClaw

Forum Captain
416
57
28
I'm eating lunch in the break room of my call center. This is the last I'll have here.

Monday, new job starts.

I'm excited. I won't get code 3 or to go out at 2 am to a crash (not that I'm happy people get hurt, but I'm sure you know what I'm mean when new young EMTs want excitement)

But, I'm sure I'll get a lot of pt contact and learn some skills.

Friday I'm packing up everything and moving Saturday morning.

This January, I didn't think this would be where I'd be right now. But I'm glad I am.
 

GMCmedic

Forum Asst. Chief
752
377
63
I'm eating lunch in the break room of my call center. This is the last I'll have here.

Monday, new job starts.

I'm excited. I won't get code 3 or to go out at 2 am to a crash (not that I'm happy people get hurt, but I'm sure you know what I'm mean when new young EMTs want excitement)

But, I'm sure I'll get a lot of pt contact and learn some skills.

Friday I'm packing up everything and moving Saturday morning.

This January, I didn't think this would be where I'd be right now. But I'm glad I am.
1 piece of advise if I may when it comes to IFT. Its very easy to just slide a patient over to the cot and take them from point A to point B and move onto the next. Dont do that!!!

NOW is the time to hone those assesment skills, when it is non emergent. Listen to lung sounds on everyone, do a head to toe, chart the slightest bruise, its a good habit to be in.

READ their chart. Make it a point every shift to pick out a medical condition and a medication from a chart and learn about them.

You can learn just as much from an IFT as you can a 911 call if you put in the effort. Ive been there, IFT is boring, but I would never trade that experience.
 

Akulahawk

EMT-P/ED RN
Community Leader
4,353
822
113
1 piece of advise if I may when it comes to IFT. Its very easy to just slide a patient over to the cot and take them from point A to point B and move onto the next. Dont do that!!!

NOW is the time to hone those assesment skills, when it is non emergent. Listen to lung sounds on everyone, do a head to toe, chart the slightest bruise, its a good habit to be in.

READ their chart. Make it a point every shift to pick out a medical condition and a medication from a chart and learn about them.

You can learn just as much from an IFT as you can a 911 call if you put in the effort. Ive been there, IFT is boring, but I would never trade that experience.
I'll put things this way: you learn SPEED from doing 911. You can learn to be a very good CLINICIAN by doing IFT and taking the time to hone your assessment skills, reading the chart (yes, you are allowed to!) and picking out a medication and medical problem to learn about. Yes, you may very well be quite busy. That's OK. You should still have sufficient time to get report, do your assessment, read the chart, learn something new. After a while, you'll know more than some (if not many) of the people you work with, just because you're actively learning.

If you go back to 911/emergency service, you'll initially be a little rusty but you'll get your speed back. You'll see a LOT more about your patients than you did the first time around. You'll have a better idea what you can sit on and what you must actively manage, if not aggressively so.
 

VentMonkey

k’uhul ajaw
Premium Member
4,678
3,781
113
Well hell, now people put their Christmas decorations up before Thanksgiving?!...

I might have to get them done sooner than I’d anticipated given the current “triple threat” we have on our hands.
 

NomadicMedic

EMS Edumacator
10,763
5,147
113
Christmas is starting at my house. It feels it it anyway. It was 24 degrees this morning when I got up to walk the dog. My wife is singing Christmas songs along with the radio and the decorations have already started to show up.
 

VentMonkey

k’uhul ajaw
Premium Member
4,678
3,781
113
I refuse to do anything Christmas related until after Thanksgiving.
I understand completely. It’s how I grew up.

But, ya know?...the older I get, the easier it is to just go with the flow of the house. Seeing the toads happy 2-3 extra weeks is probably worth it to many parents.

And as any seasoned husband and/ or father will tell you- the Asgardian Hammer is saved only for the specialist of occasions. That is how one “rules their roost”.
 
Top