Thinksnow18
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Everything posted by Thinksnow18
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Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
Buffalo/suburbs; Rochester/suburbs: Syracuse might be on the fence, same with Albany; rest of down state also extended. These are just my opinion not fact -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
It incensed me when my wife let me know this was the plan from Albany. In my opinion the State DOH is either corrupt, inept or both. My wife works at a sub par facility, which was never a great facility, it was well run and had good staff. That gas changed since the ownership group who purchased some 5 years ago that resides in NYC has destroyed whatever was good there with horrible decisions on management, workers and what type of patient they want. On many occasions my wife has bern certain her facility would be slapped with at minimum hefty fines or more serious punishments for many various violations yet the DOH looks the other way. They need to be investigated. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
My wife just text me the state DOH just rolled up with 4 surveyors to investigate the findings of their facility to see if protocol was followed...they will not be surprised with their answers... -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
Wells, in this scenario at least, has it right. They have a plan to actually help their customers. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
What's worse is most banks are allowing the deferred payments to be added to the back end of the loan...just for giggles I called in to my mortgage company, which will remain nameless to protect the moronic, to see what it's policy was...theyre allowing a 6 month deferment, the catch is it's all due the moment the 6 months is up...in my scenario if needed ( were good) would be $12,156 paid back immediately...i laughed so hard I had to hang up... -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
That is correct. My sister in-law is in radiology at O'shei children's, they're giving it the old "volunteer" or we'll decide mantra. Even though she has been there (from Hodge to now) 12 years she's low rung on the ladder so if no one volunteers she's as good as furloughed. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
That's exactly what I explained to my wife yesterday when she was quizzical about how the hospitals were losing money and I said simply many of the surgeries, cosmetic, open heart, not essential, etc weren't being performed which is terrible for the bottom line. Add in copious amounts of overtime at crazy hourly rates (think up to $90+ an hour) and some hospitals will be forced into some very difficult decisions in the near term. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
So while the Seneca gas stations are properly pricing (shoot it might be .50 cents a gallon by the weekend) the local stations are still above $2.20 a gallon. I understand the amount of consumption is down nearly 75% however you can't tell me with a straight face that cheaper gas hasn't been delivered at least once during the last month. This needs to be looked at for gouging. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
I spoke to my neighbor across the street yesterday who I close friends with a few of the people named in the Tim Graham article. He states the piece is 100% accurate and that the pegulas put money into entities and side business that are failing or bleeding money. What's worse is they're not putting the blame in themselves for over spending. It seems they are being petulant in their reasoning and insulating themselves by hiring close family only -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
They are run by some incredibly incompetent and narcissistic people. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
Yeah I just saw this on the news...how did they receive this exactly? -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
It is complex. Treasury bonds being purchased by the public, borrowing from other countries (I believe believewe actually owe China some 1+ trillion making them our largest debt load) the bonds are eventually bought back by the US and we get our cut, or those that purchased bonds to fund the loans. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
I will check the source. It was stated somewhere that up to 50% of the population could be unaffected by the virus due to their DNA makeup. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
Up to 50% of the population is not able to be affected by Covid. It would be beneficial to have the new testing out that can tell if you were positive in the past or if you cannot be affected. This would help an enormous amount of our country to getting back to normal -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
Being an "at will" state makes me cringe. Like yourself I've been in some sort of banking/finance for the past 12 years and I too have witnessed the here today gone tomorrow routine. I think unfortunately this opens the doors of favoritism to certain employees and unfair practices to others. Why we haven't gone the way of an actual reason to be let go is archaic. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
My wife has a good friend whose husband works for CSX. He has moved from buffalo, to Syracuse to now in South Carolina. He makes approximately 130k a year as an engineer for rail freight hauling. You can bet the amount of money the the rail lines can save from paying workers those wages AND the pension they receive will force the issue soones than later imo. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
What strikes me about the article above is it does mention family size was much larger 30 to 40 years ago when having 3 or 4+ kids was not uncommon. Today 1 or 2 is the norm and people think my wife and I are out of our minds because we have 3. That cost of living off sets the wages we earn as to the amount we spend. What is also interesting about the article is the very last paragraph. It states as a whole we are afraid of robots taking jobs. I think that's a real concern outside of a few industries. Automated telemarketers, electronic ordering at restaurants, bank-less tellers...and with this new pandemic I only see this increasing much more in the next 20 years. What used to be industrial is now electronic and were never going back. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
From what I've learned is they look to the strain of flu in the southern hemisphere and do there best to try and copy the virus and make a vaccine for it...this gives them approximately 4 months to do so. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
I saw today on CBS this morning that elderly and people of color were at the greatest risk of contracting and perishing from Covid-19. I have been silently wondering about this over the past weeks if a certain race was more likely to contract than others. Thus is the first time this has been brought up as fact. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
Ozark is seriously worth it. My wife and I just began watching from episode one. Bateman is a genius. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
That makes the death rate much lower. If it can be said that for every 1 person showing symptoms theres 1 that's not. That means the 256k showing symptoms one could deduce there are 250k more positive but asymptomatic. That would take the death rate in the US to around 1%. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
Banks are wary of the debt load. They aren't getting the answers they need to feel comfortable -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
Yes she us considered disabled with her diagnoses. It's palliative in that she can never achieve full heart function, and had to have the 3 surgeries to compensate for the malformation. In regards to something WAY off topic here...has anyone looked at the 00z Hi res Euro this morning??? Thursday through Easter looks cold with chances for snow even in the lower elevations...talk about handing the dealer 50 bucks and letting him kick you in the nuts... -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
The only place is disagree is Medicaid being specific to the poor. As stated earlier my daughter has it and it's not predicated on my wife and my income but her health condition she will have her whole life. My concern does not come from the lack of people who can get Medicaid, it's the abuse of Medicaid from people who are are rigging the system for all sorts of benefits. I also have my life accident and health license. The long term care policies have changed quite a bit from when I first began where you had to guess the daily amount you wanted to I sure for, say $350 a day. It has since changed to a number of years and a total amount of coverage. What hasn't changed is how costly it is, but if you can use a fixed vehicle specific for premiums you can offset that cost out of pocket. -
Upstate NY Banter and General Discussion..
Thinksnow18 replied to wolfie09's topic in Upstate New York/Pennsylvania
How in the hell does Greenland have a case?
