chitownguy

Having zero balances on your credit cards or paying them in full each month will not hurt your credit score. It can actually increase your score. One of the factors used in computing your score is your credit card use percentage. Total debt on all your cards divided by the total credit limit on all cards. A high percentage will lower your score. Having no balance or paying them off lowers your use percentage.

Two of my favorites in Chicago were Gavin and Zsolt.

Some expressions my father used - 'He drives like a bat out of hell'. Or referring to someone one wasn't to bright. 'He can't tell the difference between his ass and a hole in the ground.'

Medicare will soon begin to pay for PREP. CMS recently issued a draft NCD-National Coverage Determination on PREP. It is proposing to pay for PREP both oral and injectable without any out of pocket cost, including the related HIV testing. https://www.hiv.gov/blog/cms-proposes-medicare-coverage-for-prep-invites-public-comment-by-august-11/