BeamerBikes

Having come of age in the mid 90s, there are some memorable ones for me. 
Red Joop - I could take it or leave it, but had a few bfs that loved it. 
Blue Joop aka NightFlight and Cool Water - I'll sometime wear it to remember someone from my past. 
Eternity - holy crap if anyone ever wants to remember why no smoking in bars is a good thing?  That scent was so strong it could still cut through 4 hours of a smoky bar. Wear it today - definitely a little bit will do. 

I suspect Balance Transfer offers are going to get even more expensive.  Gone are the 2% transfer fee days.   5% typical fee now. I suspect a nominal interest rate to return for shorter months too. I'd evaluate the balance transfer fee as part of the offer.  
I've had pretty good discipline on parking a balance on a transfer offer, and then making regular payments to pay it off by the end of the promotional period.  While also NEVER using that card for anything else since comingling balance transfer and new purchases is a recipe for $$$ in unclear interest rate structures. 
I'm finding I need to teach similar rules to my sister for financial literacy.  

I suspect Balance Transfer offers are going to get even more expensive.  Gone are the 2% transfer fee days.   5% typical fee now. I suspect a nominal interest rate to return for shorter months too. I'd evaluate the balance transfer fee as part of the offer.  
I've had pretty good discipline on parking a balance on a transfer offer, and then making regular payments to pay it off by the end of the promotional period.  While also NEVER using that card for anything else since comingling balance transfer and new purchases is a recipe for $$$ in unclear interest rate structures. 
I'm finding I need to teach similar rules to my sister for financial literacy.  

I suspect Balance Transfer offers are going to get even more expensive.  Gone are the 2% transfer fee days.   5% typical fee now. I suspect a nominal interest rate to return for shorter months too. I'd evaluate the balance transfer fee as part of the offer.  
I've had pretty good discipline on parking a balance on a transfer offer, and then making regular payments to pay it off by the end of the promotional period.  While also NEVER using that card for anything else since comingling balance transfer and new purchases is a recipe for $$$ in unclear interest rate structures. 
I'm finding I need to teach similar rules to my sister for financial literacy.  

Agreed! Bumping my now resolved issue off the main page 

I was on vacation with an escort once. He roped a guy into a 3 some with us.  While that guy was eating the escorts ass, he looked up and said “are you wearing Sauvage?”
Sauvage has held a special place in my heart ever since. 

This is Medicare fraud I can get behind...  literally! 

This should be resolved. 

My experience from 2005 to 2017 as the long term caregiver and financial power of attorney for my mom with multiple providers. 
2 years preMedicare - Absolutely HATED private employer provider group health care from BlueCross "good" benefits.  Pre-auth/in vs out of network/rules 
In Medicare, opted for traditional A/B with pension provided supplemental including Drug benefit. It became easier.  Less uncertainty and overhead what was covered and how much.  Dental and Vision were out of pocket and needed to be planned for.  
One enrollment cycle Pension Plan switched everyone to Medicare Advantage.  Promised nothing would change. Could continue to see old providers.  WRONG.  At home care went out of network.  Quickly and forcibly had them change us back to traditional Medicare.  Advised the nice lady in benefits transfer out of this department for this year.  She was about to hear a crap load more complaints from others.  
I subsequently decided in the later years to go with the Cadillac of Supplement Plans that took care of 100% of the 20% copay.  It was worth the additional premium to only worry about the initial deductible in the beginning of the year and never process another bill for $5.87 or whatever chump change billshit.  
Medicare Advantage may be great for low health care needs, but once you or your loved one needs more regular advanced care. Switch to Traditional Medicare and big ass supplement plan to simplify the administration.  With Traditional Medicare - All you need to ask. Do they take Medicare or not?  If yes, everyone knows the rules and what's covered. I only had one provider refuse Medicare. 

One night in Bangkok makes a hard man humble....  (song just popped in my head) 

If you’re rubbing up against random men, and/or 
random men are rubbing up against you, listen
to the CDC and the sane medical professionals on
this thread….get vaccinated with both shots ASAP.

I'm not going to argue shit here...
If it puts your mind at ease, your own doctor says might as well, and/or it's offered locally, get the shot.  OR  If you have doubts in the science/stats, don't get the shot right now.  
Either way, live your life and be kind to one another. 
24hr later after 2nd intradermal shot. I have a US quarter sized red mark, and a slightly sore neck gland (could be unrelated)

Got the 2nd dose intradermal this afternoon - no reaction so far.
Finished out the regimen. If it's overkill so be it, it puts my mind at ease with one less concern.  My primary doc also gay agreed might as well finish it out.

Got the 2nd dose intradermal this afternoon - no reaction so far.
Finished out the regimen. If it's overkill so be it, it puts my mind at ease with one less concern.  My primary doc also gay agreed might as well finish it out.

Got the 2nd dose intradermal this afternoon - no reaction so far.
Finished out the regimen. If it's overkill so be it, it puts my mind at ease with one less concern.  My primary doc also gay agreed might as well finish it out.

Got the 2nd dose intradermal this afternoon - no reaction so far.
Finished out the regimen. If it's overkill so be it, it puts my mind at ease with one less concern.  My primary doc also gay agreed might as well finish it out.

Got the 2nd dose intradermal this afternoon - no reaction so far.
Finished out the regimen. If it's overkill so be it, it puts my mind at ease with one less concern.  My primary doc also gay agreed might as well finish it out.

Got the 2nd dose intradermal this afternoon - no reaction so far.
Finished out the regimen. If it's overkill so be it, it puts my mind at ease with one less concern.  My primary doc also gay agreed might as well finish it out.

Got the 2nd dose intradermal this afternoon - no reaction so far.
Finished out the regimen. If it's overkill so be it, it puts my mind at ease with one less concern.  My primary doc also gay agreed might as well finish it out.

An unexpectedly high number of the remaining 50% decided that 3 months of severance was better than whatever "extreme hardcore" meant for work life balance.   Smart money is on Twitter experiencing major outages by this weekend when the World Cup piles on their infrastructure.  
Also reports of Twitter "leadership" locking everyone out of the office for fear of sabotage. Offices are closed until Nov 21.  Also if you are an exceptional employee, you may be allowed to work remote.  I'm assuming exceptional employee includes anyone left.  Everything is fine over there. 
 

I moved over my Twitter presence for cybersecurity stuff over to Mastodon because I've joined the club that Twitter will prolly implode badly in the coming months. 
50% Layoff and the remaining have to sign a "hardcore" pledge by tomorrow.  
Outages are going to be inevitable at this point with that much brain drain.

I was in my early 20s and spent more than half of 2002 unemployed. Then in 2007 - 2010, I waited it out doing caregiving by choice. 
My advice 
1) Don't assume you're safe ever. 
2) Build an Emergency fund AND evaluate all spending before you NEED to cut back. 
3) if the office plants go missing, banker boxes show up in the hallways, budgets get hard frozen for even small things, those are signs somethings coming. 
4) Getting laid off in the first wave has its perks.  Sticking around to continue your job AND the folks who just got canned for the same pay is a bad deal. You don't have to go down with the ship either. 
5) if the company doesn't pull out of it, the retention and severance packages likely will get worst! 
6) Living through Termination Tuesday's and Fuck You Fridays is soul crushing. Yes, companies will gradually and regularly shed staff on the way down the drain. Watching Survivor is better than being a contestant. 
 

As of 5pm Eastern today, a whole mess of them decided to say peace out Elon give me my 3 months of severance and good luck with your soon to be dead bird.  The alternative was signing up to go "extreme hardcore", which sounds like you're going to get worked to death.  Also, if you aren't cutting it, you might not get even the 3 months as a consolation prize for choosing "extreme hardcore".  
I agree. There's no shame in taking a spot on a lifeboat. Better to get in the lifeboat while you still have the energy/will to swim if need be. Rather than try to save a sinking ship you have no ownership stake left in. 

I was in my early 20s and spent more than half of 2002 unemployed. Then in 2007 - 2010, I waited it out doing caregiving by choice. 
My advice 
1) Don't assume you're safe ever. 
2) Build an Emergency fund AND evaluate all spending before you NEED to cut back. 
3) if the office plants go missing, banker boxes show up in the hallways, budgets get hard frozen for even small things, those are signs somethings coming. 
4) Getting laid off in the first wave has its perks.  Sticking around to continue your job AND the folks who just got canned for the same pay is a bad deal. You don't have to go down with the ship either. 
5) if the company doesn't pull out of it, the retention and severance packages likely will get worst! 
6) Living through Termination Tuesday's and Fuck You Fridays is soul crushing. Yes, companies will gradually and regularly shed staff on the way down the drain. Watching Survivor is better than being a contestant. 
 

I moved over my Twitter presence for cybersecurity stuff over to Mastodon because I've joined the club that Twitter will prolly implode badly in the coming months. 
50% Layoff and the remaining have to sign a "hardcore" pledge by tomorrow.  
Outages are going to be inevitable at this point with that much brain drain.