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Does working at a mcdonalds, chick-fil-a, and wendys as a crew member (which requires cooking) align with vegan morals? I'm wondering bcaue i can't get a job anywhere, but there is a wendy's on the street i live. I'm a vegan 15yo who was vegan since october 18, 2022 btw. I really don't wanna cook animals and contribute to the animal holocaust. Also, i feel like if i cook the dead animals, that wouldn't make me vegan. The thing is that everywhere i apply just ghosts me. I've applied 4 times to GIANT food stores a month ago and applied to 4 jobs at walmart a few days ago and still haven't gotten a single one. Also, i biked 20 mins to a neighborhood and walked 4 hours around half of it (yes it took that long cuz it is a big neighborhood) offering dog care services. I got 5 people saying yes and that they would contact me and a lot of people who said "i'll think about it." Nobody ever messaged or reached out. I also went to a street near where i lived and nobody reached out. I did get some "i'll think about its" though. So odd jobs don't work. And i can't just go to another neighborhood because the other neighborhoods are HOAs. I even applied to a restaurant which was a 30 minute walk from my house (knowing they were full on staff lol i swear i was gonna walk out when i heard that but they took my app anyway). Btw i can only work either near my house within biking or walking distance (there is only a sheetz, rutters, a truck stop with a restaurant, and wendys btw) or somewhere near my parents' workplace that hires 15yo because i don't have much transportation options. I'm gonna apply at the places sky zone, cvs pharmacy, and kohls, since they are close to my parents' workplace to try to avoid cooking dead animals and their milk and eggs, but they would probably just ghost me or say "we are full on staff" or pull the '16 or older' crap. Btw i need the job so i can move out of my parents house (and maybe get enamcipated but honestly it looks like i'll have to put up with my household until i am 18 at this rate). Btw i have issues with my parents and have a crappy home life so i need to get out of the house. P.s: i am aware that working at a restaurant as a crew member is wrong since it requires cooking animals. Also, i do not want to do that and support animal cruelty since that isn't vegan or morally ok. So is it alright for vegansto work at a restaurant? Update: Guys thank you very much for your input. It was very helpful, and I learned a lot from you guys. I decided that even though working at a restaurant as a crew team member is indirectly contributing to animal abuse, but It is good to have vegans working in restaurants to help promote vegan food options. I really don't wanna contribute to animal genocide, but the economy sucks and I gotta do what I gotta do. It's not like I am buying or selling products. I don't think I have a choice but to work at a restaurant, but I will try to apply to vegan jobs as much as possible to get one. I really don't want to work at a restaurant. I would work literally anywhere EXCEPT A RESTAURANT if i have to. I will also try to get cleaning and cash register duties as much as possible to reduce the amount of animals i'd have to cook. Someone else would take the job anyway. Also, the economy suck and nobody likes to hire teenagers. Some people simply don't have choice but to work at restaurants. However, i do know that according to veganism itself, “A philosophy and way of living that seeks to exclude, as far as possible, and practicable, all forms of exploitation and cruelty to animals for food, clothing, or any other purpose.” Because of that, idk if that would still make me a vegan or not. But yeah, working at a restaurant would be hypocritical. View Poll submitted by /u/Hopeful-Answer-7597 to r/vegan [link] [comments]

submitted by /u/ProStoic_ to r/VirtualYoutubers [link] [comments]

Okay. I have tried to fight the good fight. I spent 10 years with CVS. I spent a year doing MTM at a city/county-funded hospital system. I spent nearly 10 years doing LTC/Hospice. I tried to get out of pharmacy by earning a Master’s in Computer Science, but that degree is worth less than toilet paper at my current age. I’ve had enough, and I know a lot of you have, too. Is there any kind of pharmacy advocacy group out there besides the APhA (which is absolutely shitting the bed, and they have been ever since I’ve known of their existence)? Or does one need to be spear-headed? I’ve been wallowing in depression and feeling useless for too long. My last gig (LTC/Hospice) with 2-3 pharmacists working overlapping shifts had me personally doing QA for 500-700 scripts every single Monday. QS/1 has a statistics tracker, and I monitored it constantly. That’s why I walked away. It’s completely preposterous that any pharmacist should be expected to QA that many scripts in a single workday. I brought it up to the PIC, they insisted that I work every Monday, they shrugged it off, and I walked. I don’t need that blood on my hands, and neither do any of you. I’m proposing a revolution - maybe I can make a difference for all of us, but I don’t even know where to begin. Is there a Discord? Is there already a group out there trying to fight against this blatant disregard for patient safety? I’m eager to hear any thoughts or suggestions on the matter. Please keep an open-mind, and don’t just respond with the typical “there’s nothing we can do to combat the ‘new-normal’.” I’m so sick and tired of hearing that. We matter. We are healthcare professionals. We deserve proper working environments/conditions, adequate support staff, etc. We don’t need to be “prescribing meds” or the source of vaccinations. Our job (at its core) has always been checking for DDI’s, counseling, and making sure the doctor prescribes the right med, for the right reason, and that the treatment is safe to dispense. Everything else is nonsense that has been pushed on us due to decreased reimbursement and because the APhA/pharmacy schools keep trying to push us into nurse/physician territory. And don’t even get me started on pharmacists in retail environments being expected to answer patient calls, run registers, fill prescriptions, handle drive-through, etc. Most (if not all) of that can be handled if there’s adequate support staff (techs) that are incentivized more than a McDonald’s employee, and urgent phone calls can absolutely be routed to the pharmacist on site. Is there anyone out there with any constructive thoughts on how we can take back our profession? I’ll take any realistic advice given. Thanks. (End rant.) Edit: I’m already shocked by the upvote/downvote ratio of this post. Anyone downvoting (I’m assuming, correct me if I’m wrong) is either in a sweet gig (they exist, I’ve seen them) or is drinking corporate Kool-Aid. This post is regarding the other 90% of us. Don’t let your positive experiences distract you from the big picture - most of us are not in good places, and maybe never have been. Edit 2: The current upvote/downvote ratio is at roughly 90%, in favor of upvotes. Don’t ever doubt that a pharmacist has the training to anticipate statistics, lol. Edit 3: To the person who posted the comment that said the downvotes are coming because I come across as “super preachy” - I can’t see your comment anymore, so either it’s buried, or you deleted it. Regardless, I walked away from pharmacy last fall after taking a full-time position at my LTC/Hospice pharmacy. That’s where the “Monday QS/1 stats” came from. The upvote/downvote ratio is currently at 94% and climbing, in favor of upvotes. I’m still a board-certified pharmacist, and I will always be a pharmacist. But now, basically being a stay-at-home dad, I’m in a position where I feel like it would be morally wrong of me not to try and do something to help my brothers and sisters. So if that’s “super preachy”, I guess I apologize? But I feel like I’m in a position where I could do something, anything, to help everyone. Edit 4: Thank you so much u/UserUnknownsShitpost and u/Junior-Gorg for recommending the Pharmacy Guild. That’s exactly the kind of thing I made this post looking for. https://pharmacyguild.org submitted by /u/joegenegreen2 to r/pharmacy [link] [comments]

As the title says. I usually fill with CVS because it's a larger pharmacy but BOTH the CVS pharmacies (which are the closest pharmacies to me) have broken elevators from the underground garage for the past month(ish) and I don't know how to pull the "ADA Card" so to speak to get these fixed sooner. I can't park anywhere else, and it's a very steep ramp to get up to street level that I can't push myself up and it'd also put me at high risk for being hit by a car coming into the garage as I'm (obviously) lower to the ground and can't see cars entering the garage until it's too late (assuming I could make it up the incline, which I can't). I called both of them and they both couldn't tell me who the building owner is (there are residential apartments above both pharmacies). At this point I'm just transferring all my prescriptions to a different (but much further away) pharmacy but it's going to be a giant pain because I have to get new rx's for all my controlled substances as they can't transfer over directly (apparently) of which I have a handful. Among other annoyances (I know, #firstworldproblems ) but I can't get over how long these elevators have been out of order and the inability to reach out to maintenance/building supervisors, etc.. Any suggestions? I'll take any and all you got. submitted by /u/Duqu88 to r/wheelchairs [link] [comments]

A while ago, I call Microsoft so I can change the email address on my Microsoft account, and I couldn’t get connected to an agent. It was all those stupid AI robots answering the phone, and when I ask for a human to help me with my stupid two-factor-authentication they said, “I’m sorry but before I connect you with an agent, I need to know what you're calling about.” Like no, you don’t just leave us alone and transfer my call from Point A to Point B. I told them, "I can't get passed 2FA to update my email." and the AI basically said, "I'm sorry your request isn't important enough to speak to a human for, but you can do things common sense would tell you" It's becoming so hard to talk to a customer service representative. For the longest time, I have had this thought, it kind of feels like then world around doesn't quite work anymore like one time my email was pouring with new subscription emails I never signed up for and I was on the phone with Google for 6-7hours on hold and when they finally came back they simply said, "I'm sorry there is nothing we can do. Just block, delete, ignore." And I had to block every one of those thousands of companies that randomly sign myself up on a random day in November, so I don't miss important emails. Also, when did unsubscribing and unclicking the boxes to sign you up for those stupid email newsletters just not work anymore. Anytime, I Iook online for products, I try to make sure I'm not on the newsletter list and what to I find new in my email, "50% off new customer deal." I get enough emails as it is and I don't any need more. One day, I went to the alternative Walmart on Hwy 92 and the website said there were olives over there and you know what , there are no olives of my favorite brand at Walmart weren’t there, if there's no olives don’t say they are there because it’s false. For whatever reason going to Walmart just must be challenging for whatever reason like why two people are there just sitting in the middle of the aisle like there are other people trying to get their weekly groceries and they must stop because you are talking about who knows what. Lets say for whatever reason you don't remember where a certain item is on Bells Ferry Walmart, you try to look it up on the app but AT&T & Verizon service sucks at our Walmart, and when you try to connect to the Wi-Fi, Walmart sends you a code to your email and I can’t access my email because if I exit this stupid website I can’t go back no more and my trip to my email is useless because I still cannot access the internet and apparently I need internet to even access the internet, someone please come up for a better solution for this Wi-Fi problem. (My Walmart doesn’t have great service for AT&T or Verizon.) So, if we are so desperate to have internet at Walmart, we must purchase a T-Mobile prepaid service. Speaking of weekly groceries, why are the prices of them like $200-$300/weekly?? Like we have other bills to worry about like mortgage and your financed sandwich, which apparently is a thing. Also, when did life get so expensive. You get your paycheck then all of a sudden, you now have to pay your lights, water, gas, TV subscriptions, iCloud, Music, Home + Auto insurance, medical bills, groceries, mortgage. And before you know it your paycheck is gone and you are probably in debt. I also have to point this out why does everything have to be a subscription, in 2022 or 2023 I purchased a new printer for my house, got all of the parts installed with it and apparently, I can’t print anything without have to purchase the monthly subscription. And, it’s like saying, oh, here is your new phone, but you have to pay for a subscription every month to connect to do the basic thing it's supposed to do. Why can't I buy my stupid underperforming printer and have it working whether I decide to pay $10/month or not. And speaking of bills, I noticed banks are now adding $5 fees for monthly paper statements that you didn’t even sign up for and nobody uses paper for statements those things and now going electronically so eStatements should be turned on by default not paper statements and then adding a $5 fee, I ended up having to call them multiple times to turn it off. I used to never get paper statements and they just decided to send me some just to give an excuse to charge my card. Also when did understand insurance and finances become so hard to understand. Anytime, I get a big medical procedure, I make sure the insurance does what they are supposed to do. Anyway, my son had cancer about 10 years ago, it spread to his lungs. and because of the treatment and cancer effects, whenever he gets sick, he always has trouble breathing, and one day he came home from school looking nearly dead from the flu. We went to the pharmacy website, I refilled the breathing treatment, but I called the pharmacy about getting an expedited dispense because he gets trouble breathing only when he gets sick. And what do they say when they pick up the phone, “I’m sorry but the prescription is not eligible for expedited dispensing.” Guys, I can’t write into words what I was feeling that moment because if I did I wouldn't on reddit anymore. A single box of Albuterol is all I ask for my son who was feeling very unwell during the holidays. A few weeks ago, when I went to the same pharmacy for a different prescription (that isn’t related to the flu), and what to I see in the Drive-Thru window, multiple boxes of albuterol. All they had to do was get the box, put a label on it and scan it that takes like five minutes not four hours. When his pediatrician prescribed Xofluza, I looked on the CVS app and the only pharmacy that had it in stock was a CVS in Downtown Atlanta, and when I got there. They said, “come back in three hours because its almost time for our lunch break.” I told them, “we came all the way from Metro Atlanta 30-45 minutes away drove down the highway to pick up treatment for my son that had a very bad medical history and you expect me to wait three hours for something you can do for five minutes.” And after all that trouble, I had to pay $160 for a single tablet. UNBELIVABLE. At that point, I was very mad. Well get this, after all that my other son had flu, yep. I took him to the pediatrician and they prescribed him Xofluza and Amoxicillin (Tamiflu) and I got a text from CVS. “Hello, I’m letting you know that both of the Xofluza and Amoxicillin is out of stock. You get it dispensed in the pharmacy in about a month.” I checked online and the only pharmacy that has at least one of those prescriptions are in North Carolina because of the spike in the flu cases. Well we had to delay our christmas party a week later and they both had Christmas sick. Oh, and to top it off, the pediatrician also sent a bill for $400 for the two visit and we spent another $300 on medication (prescription and OTC). UNBELIEVABLE. I watched this YouTube video from Jaiden Animations and she said this, "Companies have put it together that if they make everything inconvenient and frustrating, set up enough cryptic hoops to make people jump through, waste as much time as possible, people will just give up and they don't have to deal with anything. It's sick." I believe it and I agree with her. Lets say you get a new car by opening a loan and the bank that you opened a loan to sell your information to hundreds of companies and now you're getting calls, junk mail, spam emails. Why in the world do those people search companies exist? I don’t understand. And with the rise of data breaches, I literally just found out DoorDash just had a data breach in October and was exposed my address, email address, my phone number and my name. And DoorDash say, “that isn’t considered sensitive information.” What to you mean, its like saying, "Oh, I accidentally told a lot of criminals everything about you, but its not a big of a deal." Anyway, I bought a new Alexa as a gift, and it took 30 minutes for that thing to play music and do things a normal Alexa can do. What is so special about Amazon Alexa that it takes an average of 30 minutes to set one up. Oh, by the way there are now ads on the beach. You know what let's wrap this up! I feel like I can't have a day without peace anymore. I think this world is running on a broken, frustrating system. I watched a YouTube video about someone having a similar experience as me and the video talked about the Always Sunny in Philadelphia episode 'Dennis takes a Mental Health Day' and when I watched it as I thought it was a good recommendation, the YouTuber was absolutely correct, It was so relatable and I recommend the episode to you. Video Link: https://www.youtube.com/watch?v=NBZv0_MImIY submitted by /u/PsychologicalLynx562 to r/Anticonsumption [link] [comments]

Obligatory I'm not affiliated with this business in any way, just a customer that wanted to spread the word. They're absolutely amazing. I'm transgender, and getting my controlled substance prescription filled consistently was a nightmare before I found this place. It's the only place I've been to where they consistently fill my medication a week before it's needed without me babysitting them, send me consistent reminders via text, don't have huge wait times/lines when picking up, and don't make me have to battle my insurance company in the process. It's also family owned, and they genuinely seem to care about their customers. If they take your insurance, consider giving them a shot. I'm pretty sure they deliver within a five mile radius as well. The only complaint I have is they don't seem to have certain ADHD meds in stock consistently, but that's an everywhere problem I think. I've heard that they're also struggling making ends meet, since they can't afford to eat the losses that come from dealing with insurance companies that bigger pharmacies can. The thought of having to go back to playing phone tag with whatever big name corporate pharmacy that doesn't give a shit about me just to get my medication filled on time every month, and inevitably having to skip doses as a result of them filling my shit late, fills me with dread. If you're sick of the crappy service (that I've at least experienced) from huge conglomerate pharmacies, consider the opportunity to support somewhere local. submitted by /u/paragaderenegon to r/ArvadaCO [link] [comments]

Especially in the United States, a lot of people fill their prescriptions at the major chains (CVS/Walgreens) due to convenience and brand recognition. Depending on your insurance/pharmacy benefit manager (PBM), you may be paying an overinflated amount by not shopping around. Why YSK: My PBM has a drug price lookup tool that shows me my prescription and how much it costs at the pharmacies near me. Getting a prescription filled at the local family owned pharmacy has saved me hundreds of dollars in the last few years. An example is an ointment I use is $85 at Walgreens but $20 at a local pharmacy. They’re both in network, same quantity, same drug. submitted by /u/pico0102 to r/YouShouldKnow [link] [comments]

Article: Convicted Delphi murderer Richard Allen learned his punishment Friday. Special Judge Fran Gull sentenced Allen to 130 years for the February 2017 murders of Abby Williams and Libby German near the Monon High Bridge. He was given 786 days’ credit for time served. Friday’s proceedings included victim impact statements from six family members. The sentencing range for Allen was 45 years to 130 years in prison. He was given 65 years for counts three and four, to be served consecutively, for a total of 130 years. Counts one and two were vacated because of double jeopardy at the request of Allen’s attorneys. The sentencing hearing comes more than a month after a jury found Allen guilty on four counts of murder. The verdict followed 17 days of testimony in the high-profile murder case. Prosecutors said Allen put himself on the bridge on Feb. 13, 2017—the day of the murders—and linked him to the crime scene through an unspent cartridge found at the crime scene. A forensic firearms expert testified the cartridge had been cycled through Allen’s Sig Sauer P226. Police recovered the firearm during an October 2022 search of Allen’s home in Whiteman Drive. While in custody, Allen confessed to the murders dozens of times. Gull allowed the confessions—and the bullet evidence—to be admitted at trial over the objections of Allen’s defense lawyers, Andrew Baldwin and Bradley Rozzi. The attorneys argued Allen’s confessions were the result of mental duress he suffered while being held in isolation for months. The special judge, appointed to the case by the Indiana Supreme Court after the original judge recused himself, stymied the defense’s efforts to present its alternative murder theory in court. Allen’s attorneys blamed Odinists, members of a Norse pagan group, for killing the girls as part of a ritual. Allen’s attorneys filed a motion this week maintaining his innocence and saying they would not present evidence at Friday’s sentencing hearing. They plan to move forward with an appeal. The trial began with jury selection in Fort Wayne on Oct. 14 before the proceedings shifted to Delphi on Oct. 18. The state and defense delivered closing arguments on Nov. 7, putting the case in the jury’s hands. Jurors delivered their verdict on Nov. 11. During the sentencing hearing, Allen responded to a handful of questions from Gull. It was the first time he’d spoken in court. He provided his name, answered a few questions and declined to speak on his own behalf. When asked if he was satisfied with his representation, Allen answered “yes.” Friday’s proceedings Six family members described the impact of the girls’ murders on their lives and admonished the defense for its handling of the case. They were upset about the release of crime scene photos that stemmed from an evidence leak in 2023. The photos forced them to relive their nightmare over and over, they told the court. Lt. Jerry Holeman, an Indiana State Police investigator who handled the case for years, said police “poured our hearts and souls” into the case for nearly eight years and called the murders “very brutal.” He said no one can imagine the fear the girls encountered that day and noted Allen went on to live a normal life like nothing had happened. Holeman interrogated Allen in October 2022. The interview ended with Allen daring Holeman to arrest him. Holeman obliged. Kerry Timmons, Libby German’s mother, couldn’t adequately explain the “path of destruction” Allen left in his wake. She told the court she couldn’t process how Allen, a husband and father, could’ve done something so heinous. Libby would be 22 years old and should be here, Timmons said, and the family was “cheated” out of her life, leaving them with “massive grief” and a “hole in my soul.” “I’ll never understand how you were able to get away with this for so long,” she told the court. “Please put me on your visitors’ list. I’ll listen,” she said, alluding to Allen’s desire to apologize to the girls’ families from one of his confessions. Josh Lank, a cousin of Libby’s, said Libby was one of a kind and Allen took “so much away from those girls.” He said God had no place for him but “the devil has a place for him.” “This man has made my family’s life a living hell,” he said. “Now it’s time for your life to be a living hell.” He suggested Allen was a “dead man walking.” Abby Williams’ grandmother, Diana Erskin, called the sentencing hearing a “day of great sadness.” Abby brought so much joy to the family, she said. She wondered how she would ever erase the memories of the autopsy and crime scene photos. “Sleep is not an escape,” she said, adding she seldom slept through the night without waking up. “I will never be the same person I was before Abigail’s murder,” she said. “[Allen] took Abby’s life on earth but she had already given her heart to God.” Abby grandfather, Eric Erskin, also took the stand. Like other family members, he said the murders were difficult to process and likened Abby’s death to “losing a limb that will never grow back.” He called the murders a “horrific and senseless” act. What he saw at the trial only “affirmed he worst nightmares” about what his granddaughter and her friend went through. “You will never take away our memories and their legacy,” he said. He criticized Allen for failing to set the record straight when he had the chance. Becky Patty, Libby’s grandmother, appeared angry on the stand. She had previously delivered emotional testimony during the trial. She said Allen was lying in wait and drank beer for “liquid courage” before he “viciously and heartlessly” killed the girls. She called him a coward and noted he’d developed photos for Libby’s funeral as part of his job as a pharmacy technician at the local CVS. This proved he showed no remorse, she told the court. “He robbed us all,” she said. “The world was robbed.” Patty then set her sights on Allen’s defense attorneys. Their actions, she said, had twisted the knife over and over, with crime scene photos still being shared online to this day, victimizing the families and the girls over and over. She described the “deafening silence” at home and the grandchildren who would never come into their lives. “Their lives mattered,” she said. “He is the one responsible for all of this. This sentence needs to reflect the murders and each day [the girls] would have lived.” She told the court she hoped he ended up in the general prison population so he could have the “human interaction he desperately craves.” Patty also said she hoped Allen’s “relationship with God” will compel him to stop the case from going forward. “I live with my choice to let them go to the trails that day,” Patty said. “What about you, Richard Allen?” Mike Patty, Libby’s grandfather, also addressed the court. He called out the podcasters and YouTubers who suggested the family and police were corrupt. He reminded the court that the family received crime scene photos and noted Allen had showed no remorse and no regret. Like other family members, he said he couldn’t imagine the fear they felt once they encountered Allen on Feb. 13, 2017. He asked for a harsh sentence. “This is a man who if allowed out will kill again,” he said. “He’s a dangerous man.” In his opinion, the brutality of the crime outweighed any mitigating factors. Once the victim impact statements were over, Gull asked Allen if he wanted to address the court. “No, your honor,” Allen answered. Gull said she has been a judge for a long time and presided over some hideous cases. The Delphi murders ranked “right up there,” she said. The impact on the families was “astonishing” and they had to deal with Allen’s “carnage.” Gull then addressed Allen directly. “You sit here and roll your eyes at me as you have rolled your eyes at me throughout this trial,” Gull said. It was a telling moment, given that media and court observers couldn’t see Allen from their vantage point to gauge his reaction to various happenings in court. With her role in the case at its end, Gull lifted the gag order that had been in place for more than two years. The proceedings ended with a contentious exchange between defense attorney Jennifer Auger and McLeland. submitted by /u/mkrom28 to r/TrueCrimeDiscussion [link] [comments]

I called a 24-hour CVS in my town in Central CT on Monday. He seemed to have heard about it. Said to try maybe later in the week (now). He also suggested I call CVS corporate. I called CVS corporate yesterday. They transferred me to the Minute Clinic. Call volumes were high and my wait was "more than 10 minutes." I gave up after 55 minutes. I called them again today 2 hours ago and set it for them to call me back. Not holding my breath. Hey! They just called back. They said the Minute Clinic doesn't have it yet, I'd have to talk to the pharmacy side, which is who told me to talk to the minute clinic. In the meantime, I visited 4 stores in my town in person because trying to actually talk to a pharmacy person through CVS's system is pull-your-hair-out frustrating. First said she'd seen a notice about it, but wasn't sure if they'd get it or not. Second said they won't get it, but to try a minute clinic store. Third did a Who's on First routine with me. The whole staff got involved. Me: "'m looking for the Novovax Covid vaccine." Pharmacy tech #1: "We have last year's novovax." Me: "Right, I'm looking for the new one." 1: "Oh, we have the new vaccine." Me: "Oh, you do? Great." 1: "Only it's Moderna. Let me ask someone else." Repeat conversation 3 more times with assorted other techs and that day's floating pharmacist. AAAAAaaaaahhhhh! Fourth looked at me like I had two heads and said they don't know anything about it and wouldn't know if or when they might get it. So maybe next week then? 😜 Trying to get it before my 4 yo brings it home. submitted by /u/Wary_tenant to r/ZeroCovidCommunity [link] [comments]

We’re KQED, the Bay Area’s NPR station, and we wanted to provide some information about the new COVID vaccines that were just approved by the FDA (since we’re seeing a lot of interest in this online.) TL;DR Even though this “fall vaccine” has been approved much earlier this year than the 2023 COVID vaccine was, just like last year it may take a while for these shots to become widely available – and there are also a few reasons why some people might consider not getting one straightaway. Some quick answers: What are the new vaccines that are approved, and who can get one? These are the new COVID vaccines from Moderna and Pfizer that have been reformulated on an annual basis to better target a more recent strain of the coronavirus. This time, that’s the omicron variant known as KP.2 that was common earlier this year. (The updated version of the Novavax vaccine looks to be on the way a little later.) The CDC is recommending these new vaccines for everyone age 6 months and up. These shots transitioned into the traditional health care market in 2023, like many other kinds of vaccines – so for most people with health insurance their insurers will now cover the cost of getting the new COVID vaccine direct (much like your plan might cover your flu shot.) Are these new vaccines effective against the most recent COVID strains causing infections right now? COVID strains are a moving target, and as you can see from the ~CDC’s COVID Variant Tracker~, KP.2, which the vaccines are targeted to, is no longer the dominant subvariant in the U.S. — that’s currently KP.3.1.1. But this family of omicron subvariants is closely enough related that the vaccines promise some cross-protection. On that front, Dr. ~Peter Marks~, director of the FDA’s Center for Biologics Evaluation and Research says that while the “vaccine is not intended to be perfect,” it will prevent people getting “serious cases that end them up in emergency rooms, hospitals or worse — dead.” The new vaccines should cut the risk of getting COVID by 60% to 70% and reduce the risk of getting seriously ill by 80% to 90%, Marks says. How soon will these vaccines be available? The shots will be rolling out at pharmacies like CVS, Walgreens, Rite Aid and Safeway, as well as health care providers, county public health departments and community clinics. These COVID vaccines usually become available at pharmacies first, because pharmacies take their cue from the federal government and not the state — but with vaccines needing to be shipped, it might still be a while before vaccinations are available. For example, CVS is currently offering appointments for the new COVID vaccine starting no earlier than late August, and Walgreens is similarly offering appointments that begin in early September. A big note: If you get your health care through a health system like Kaiser Permanente, you almost certainly won’t be able to get your new COVID vaccine for free (i.e., covered by your insurance) at a pharmacy like CVS or Walgreens, the way you can’t get your flu shot covered by Kaiser at a pharmacy either. You’ll have to wait to get it at a Kaiser facility to have it covered. ~See all the places you can get a vaccine in our guide here~. This ‘fall’ vaccine is available pretty early this year. Should I get it straight away or wait? Older folks (age 65 and over) or people who are immunocompromised who have neither had a COVID vaccine in the last year nor had a COVID infection should definitely seek out their new vaccine as soon as they can. That’s according to Dr. Peter Chin-Hong, an infectious disease specialist at UCSF, who told us that these were the “folks I saw in the hospital very ill with COVID in the past few months.” The FDA’s Marks said that people seeking protection from the COVID strains going around right now should consider getting their vaccine “in as timely a manner as possible. Because right now the match is reasonably close. You’re probably going to get the most benefit you’re going to get from this vaccine against what’s currently circulating.” But there are also reasons you might want to wait a little longer… If you really want the best possible immunity for a winter wave — and over the holidays For Chin-Hong, the “sweet spot” for getting the new COVID vaccine, if you’re not in that higher-risk group above, “is still some time in October so that antibodies peak in the winter when things are expected to be worse than the summer.” If you’ve had COVID — or been vaccinated — recently The CDC recommends waiting three months after your last infection to get a COVID shot, or for two months after your last COVID vaccine – because of the immunity you’ll already have from those events. If you’re uninsured and need to find a free vaccine The CDC’s Bridge Access Program, which has been funding free COVID vaccinations to uninsured people since last year, was forecast to last until December — but is instead ending this month way ahead of schedule. And while a CDC spokesperson said that the agency will be making “$62 million of unused vaccine contract money” available to states to help vaccinate people without health insurance, right now it’s still unclear how that will work practically. Waiting for your fall COVID shot, said Chin-Hong, will “give it more time for that system to be put into place so you won’t be charged if you don’t have insurance.” We’ve covered a bunch more – including whether to get your flu shot at the same time – in ~our big guide to the new COVID vaccines on our site.~ If there’s other stuff you’re wondering that’s not covered here, let us know? submitted by /u/kqed to r/bayarea [link] [comments]

I can get wegovy covered through insurance but can’t find a single Walgreens or cvs that has it in stock, any body having same issue? submitted by /u/jgomez13 to r/Semaglutide [link] [comments]

Today this is what CVS told me. There aren't any doctors offices that are carrying Novavax near me and Costco is booked although I will go that route eventually if needed. I did see one other user say they got However I am checking Medicare's website now and it says only Moderna and Pfizer are covered which is really surprising to me. I do have part D extra help but didn't have the card with me when I went in. Does anyone have any tips? submitted by /u/Intelligent-Prune850 to r/Novavax_vaccine_talk [link] [comments]

So I’ve been on Trulicity for a year now. I went from an A1C of the 11.6 to 6.2. It’s been a great drug for me. My prescription was ordered on July 5, and none of the CVSs in my area have it. One was supposed to and my script was transferred there. However I just got a call that it’s been pushed another day. Which is what the last pharmacy said, and then the next day it was listed as out of stock. I need my injection tomorrow and don’t really know what to do. What happens if you miss a week? UPDATE: So the second CVS also did not have my medication. I was told my prescription was ready. So I drove out of my way to pick it up since it’s not my local CVS. When I get there, the lady said they were out of stock and had been for months. When I asked why would my prescription have been transferred if y’all didn’t have it, the pharmacy tech said it was my responsibility to call their pharmacy before getting my old one to make the transfer. Please make that make sense lol. Anyways, I’m done with CVS for good after that mess. I called my doctor and got all of my prescriptions transferred to Amazon pharmacy. My meds will be delivered tomorrow! submitted by /u/yung_biotch to r/trulicity [link] [comments]

i s2g i nearly shit my pants in the cvs pharmacy checkout……i did start happy crying when i got to my car tho😭😭😭 idk if cvs just messed up or what but i am definitely not complaining!!! my lyrica, lamictal, and prozac were also $0 life has been fucking me in the ass extra hard lately, ESPECIALLY my finances, i would’ve been left w/ only $200 to my name if i paid the correct amount….so i rly rly needed this good luck MANIFESTING U ALL RECEIVE THIS GOOD FREAKIN LUCK AND GET UR MEDS FOR FREE!!!!!!💞💞💞💞💞 submitted by /u/bl0wkitty to r/ADHD [link] [comments]

Atobitt made some great DD. House of Cards 1-3. Everything Short. Classics. However, part 2 and 3 of HoC felt incomplete. No offense to the man, no offense to the data. I think it is spot on, i think we all know what to do. HODL. But, I am here to add this, somewhat controversial, somewhat illuminating piece of information. I hesitate to post this because I don't want to insinuate there are other plays. There are not. i want to be clear- this is in no way intended to diminish, nor will it, your desire to do nothing more but BUY AND HODL. Ready for it? it's not even much of a surprise... its not just GME. Several Hedge Funds like Citadel, Melvin, Highfields, etc... develop a significant position in certain companies they like. The big boys. Now, when Atobitt said it was the Everything Short he fucking meant it is the EVERYTHING SHORT. So for the sake or brevity, i will only focus on a select few. namely,we are going to be discussing some rather interesting connections between amazon, netflix, target and GME and the like. This is going to be a bit of a swim, so please bear with me. let us dive in Recently, Netflix has been rumored to be entering the video game industry. https://www.polygon.com/22447410/netflix-executive-games-expansion-the-information-report And, as you know, Amazon recently purchased MGM studios. https://www.cnbc.com/2021/05/26/amazon-to-buy-mgm-studios-for-8point45-billion.html Now i am sure it doesn't take a few crayons to see our big boy GME is in the video game industry, and little brother AMC, is in the movie biz. Okay. I see that connection. Let's divert a bit and look into some other connections. i turn your attention to Kevin Turner https://en.wikipedia.org/wiki/B._Kevin_Turner: "Kevin Turner is an American businessman and investor who is currently the chairman of Zayo Group and the vice chairman of Albertsons/Safeway .He previously served as the COO of Microsoft from 2005 to 2016. Prior to joining Microsoft, Turner was the CEO of Sam's Club and the CIO of Walmart. He is also the former Vice Chairman of Citadel LLC and CEO of Citadel Securities " wow okay, citadel connection, sure. but what's Zayo Group? From: https://finance.yahoo.com/news/were-hedge-funds-flocking-zayo-190533381.html "The largest stake in Zayo Group Holdings Inc (NYSE:ZAYO) was held by Senator Investment Group, which reported holding $205.5 million worth of stock at the end of September. It was followed by Citadel Investment Group with a $162.9 million position. Other investors bullish on the company included Kensico Capital, Zimmer Partners, and Hunt Lane Capital.... [most] stocks had an average of 21.25 hedge funds with bullish positions and the average amount invested in these stocks was $365 million. That figure was $1248 million in ZAYO's case." Okay! that's a fine connection there. Who is Senator Investment Group, though? https://finance.yahoo.com/news/hedge-funds-aren-t-crazy-234734875.html. " VICI Properties Inc. (NYSE:VICI)[https://viciproperties.com/about-us/]. At Q3's end, a total of 37 of the hedge funds tracked by Insider Monkey held long positions in this stock, a change of -37% from the previous quarter. .Soros Fund Management with a $419.8 million position. Other investors bullish on the company included Senator Investment Group, Citadel Investment Group, and Point72 Asset Management. total hedge fund interest was cut by 22 funds in the third quarter." Okay, im going off the rails a bit. My point is, all of these Hedge funds are obviously connected. And all of them, have their fingers in a few different pots. Now lets get back on track. Now senator Investment group has large holdings in Amazon and Five Below. https://whalewisdom.com/filer/senator-investment-group-lp, among many others. I started looking into their competition and found something odd. Now i apologize, i will be referencing a lot of charts, so please google them yourself. Look at the chart for FIVE stock- it has had significant growth year after year but has followed GME chart inversely, every spike for GME correlates with a dip. This will be true for many, many other stocks. I started looking into other Brick and Mortar Companies and comparing charts. i found quite a few. Again, for sake of brevity, i will be focusing on a few. FIVE, AMAZON, Walmart, Dollar Tree- their competition is other retail brick and mortar stores. CVS, Rite Aid- their competition is pharmacies. however, target recently partnered with CVS pharmacy in 2015 for their own stores. Amazon recently wants to enter into brick and mortar pharmacy or add them to whole foods. https://www.cnbc.com/2021/05/26/cvs-walgreens-shares-fall-on-report-that-amazon-may-open-pharmacies.html. target and CVS was interesting to me, because check Citadel's institutional ownership of CVS over the years-. https://formthirteen.com/filers/0001423053-citadel-advisors/holdings/126650100?quarter=2020-12-31. Notice the spike in 2015 prior to Target announcing CVS agreement? Citadel has also created a bunch of call/put LEAPS throughout the years on Rite Aid- CVS competition. https://fintel.io/so/us/rad/citadel-advisors-llc. Citadel is also very bullish on Amazon. https://finance.yahoo.com/news/billionaire-ken-griffin-bumps-stake-123655840.html. Griffin even stated at one point he was considering moving Citadel's headquarter's because of Amazon https://www.cnbc.com/2019/03/14/ken-griffin-says-hes-less-likely-to-move-citadel-to-nyc-after-amazons-heartbreaking-exit.html. ********** edit- further info i forgot to add from CVS https://www.hstong.com/news/detail/20090104245156133 " Of the funds tracked by Insider Monkey, D. E. Shaw's D E Shaw has the number one position in CVS Health Corporation (NYSE:CVS), worth close to $218.8 million, comprising 0.3% of its total 13F portfolio. Sitting at the No. 2 spot is Cliff Asness of AQR Capital Management, with a $218.6 million position; the fund has 0.4% of its 13F portfolio invested in the stock. Some other professional money managers that are bullish encompass Ken Griffin's Citadel Investment Group, Phill Gross and Robert Atchinson's Adage Capital Management and Ken Griffin's Citadel Investment Group. " https://www.fi-desk.com/chang-reported-to-leave-aqr-for-citadel/ " Citadel has confirmed that Isaac Chang, the head of trading at AQR Capital Management since 2016, will join the Citadel hedge fund in September as the firm’s first head of execution trading for fixed income. Chang’s work history combines trading on the buy-side, sell-side and high frequency trader (HFT) market making, via his position prior to AQR as global head of fixed income, currency and commodities (FICC) at HFT firm KCG, now Virtu, and in US interest rates electronic trading at Goldman Sachs.. ​ VIRTU Financial is a marker maker similar to citadel. if you google virtu and "fined" you will find many violations, one for this in particular- https://www.financemagnates.com/institutional-forex/brokerage/finra-slaps-175000-fine-at-virtu-for-not-offering-best-execution/, something our good friend Robinhood recently got in trouble for https://www.sec.gov/news/press-release/2020-321 ********** Now, Amazon bought Whole Foods a few years back. Whole Foods largest competition is Albertson's. What's interesting is Albertson's was going to merge with Rite Aid until the deal was killed after immense pressure from a certain hedge fund, Highfields Capital. https://www.forbes.com/sites/brucejapsen/2018/06/27/a-big-investor-opposes-rite-aids-albertsons-deal-amid-flat-pharmacy-growth/?sh=55f37f9c37fe Some more connections here: https://www.businessinsider.com/amazon-deal-for-whole-foods-true-genius-hedge-fund-2017-7. "genius move" they called the acquisition. Remember when They killed the Rite Aid deal, and Target bought CVS? [https://www.wallstreetoasis.com/forums/7-best-long-term-stock-picks-by-morgan-stanley](Currently, Target's shares are trading at $51.70 and are expected to reach $64 by the end of 2012....Jonathan Jacobson's Highfields Capital Management doubled its stake in TGT during the third quarter to nearly $300 million.) TGT is in the top 50 of Citadel's holdings. https://docoh.com/company/1423053/citadel-advisors-llc Now, Look at the stock charts for Rite Aid (RAD), and compare it to GME. Interesting. Now, more digging led me to find these same connections with Lowes/Home Depot. As well as BBBY and Walmart. DLTR. All of these charts, and dozens and dozens of others have the same chart patterns as GME or inverse if they are insider owned by hedges. Look at 5 yr charts and see the changes over time. Also, Circuit city was acquired and tanked by Highfields. And many, many others are currently involved. Literally, EVERYTHING that stands in the way of a long bet by these hedges are SHORTED. Wanna know what's even scarier? All of the money maker stocks connected to these hedges only started printing cash AFTER the 2008 crash- almost as if they pivoted their strategy to this. ​ WHAT THIS MEANS TLDR: What appears to me, is that several hedge funds have placed large bets on their precious money making stocks, and have over the years been systematically bankrupting, manipulating, and sabotaging the competition of the acquisitions being made for their babies. Target wants a pharmacy? destroy rite aid, place calls on CVS. Netflix wants gaming? Short GME. Amazon wants to buy movie studio? short the movies. Amazon bought a grocery chain? prevent their competition from ever growing. Rinse, repeat. GME is the one that stood against them and is fucking them up royally. However, what this means is that there is not one bomb. There are dozens of mini-GME's littered around the market. If GME goes off, the systematic margin calling will cause mini-short squeezes all over on these stocks. If you check recent SEC ownership filings, these hedges have been reducing or closing their positions in these shorted stocks like Rite Aid and Lowes (and many, many others). They are disarming these mini-bombs before the big one goes. The longer we hold, the more we buy, the closer they get a cluster bomb. We have not one Asteroid called GME heading to the Earth, but a meteor shower of smaller rocks following quickly behind. We will not have an entire market implosion. if the GME squeeze is an event that occurs over weeks, we will have the long-manipulated stocks experiencing a sudden boon with these squeezes like GME and AMC have and have benefitted from, breathing new life into these failing companies through the expense of banks, hedges, and the US Federal govt. Through their destruction, we shall have creation. Ragnarok is upon us. Audio reading thanks to /u/tyrant_tyra for those that don't want to read. https://youtu.be/0Az%5C_91MJh-4 submitted by /u/mybustersword to r/Superstonk [link] [comments]

I work at a CVS Pharmacy with very few staff members. Every single day there are at least 2-3 people that "must" stay late otherwise we get totally overrun with work. Today I was scheduled for Noon - 7 pm. By 7 we only had 1 pharmacist and 1 pharmacy tech other than myself working by the time I was due to leave (we're open until 11 pm). These are busy hours to have only 2-3 people in the entire pharmacy. Naturally, the line was piling up nearly out the door. So instead of leaving at 7, I stayed to at least empty out before I left. The line was so long that it took over an hour to clear. Plus, during that hour, the other Pharmacy Tech I was working with cut his hand badly on a razor, and was bleeding right next to me STILL WORKING and not doing anything about it. I was already prepared to leave at 7, and at this point I was absolutely running away. I finally finished the last customer, clocked out, and said I was leaving. The conversation went like this, Me - "Alright [other Pharmacy Tech] I'm finally gonna leave, there's no one left, and not that many scripts left to fill, so I wish you luck, you clearly need it" Other Pharmacy Tech - "Yup, finally, and thanks see you tomorrow" Me - *clocks out and walks out to leave* Pharmacist - "Wait, you're leaving?" Me - "Yea? I have to, I was supposed to leave at 7 but I was only staying after to help out for a little bit. I need to go." Pharmacist - "Why???" Me - "I haven't had dinner... and I'm bringing dinner home to my parents who have been waiting for me since I was supposed to be there over an hour ago." Pharmacist - "have to have dinner...and then you can come back?" Me - "No?" Pharmacist - "Why?!" Me - "Because I can't?!" At this point she scoffed at me, shook her head and walked away again... and I just left. I would fully make this post about that interaction, but this is an issue with CVS ALWAYS needing more help. I like the other people I work with, so I want to help them, but if I'm scheduled to leave it's not my problem. AITA for being strict about my schedule? TL;DR - I'm scheduled to work for x amount of hours in a day, but because the pharmacy is constantly overrun with work that needs to be done, I'm constantly asked/expected/"required" to stay longer. IMO this is a toxic workplace culture, and I'm putting my foot down by saying no when I'm asked for anything more than what I'm scheduled for, even if that means leaving when it's busy. My pharmacist tonight tried to make me stay, even after I already stayed over an hour extra, then tried letting me leave to eat dinner then come back after, and when I said no I was scoffed at and walked away from. I regularly feel like a bad person for leaving at the times I'm supposed to leave, even if there's a mountain of work and a line out the door. AITA for being inconsiderate about my coworkers and the workload I leave them with? submitted by /u/RequiemForAPeen to r/AmItheAsshole [link] [comments]

BACKGROUND Model: I wish to maintain a portfolio that began in June 2017 at $1,025,772. My net worth at that time was $1,333,772 (with home/land). Our actual withdrawal rate is much less than the original 3% of portfolio due to: occasionally earning additional passive income; receiving an unexpected $30k windfall in 2018; and purchasing my parents home at a greatly reduced price in 2019 (below). The budgeted maximum withdrawal amount for 2021 is $3,904/mo or $46,858/yr (now 2% of net worth). In 2017, it was $2564/mo ($2682/mo adjusted for inflation). We’re so far out of danger by historical precedent that spending is no longer a thought. The road of questions about what I do for health care (subsidies and their ambiguous morality), why retail pharmacy is so bad (below), and whether my situation is from determination or privilege (a lot of both) has been well tread. Career: I am a former retail pharmacist who hated both his job and profession for the following reasons: unacceptable amounts of stress, lack of civility from the general public, capitalism gone amok, fundamental disagreement with the overuse of pharmacotherapy as an answer for underlying health issues, and a severe opiate crisis that few have yet to appreciate. I attended college for eight years to earn a bachelors (1997-2001) and a doctorate (2001-2005) before joining the workforce for nearly twelve years (2005-2017, entirely with CVS). $150k in education costs were covered by academic scholarships ($25k), employment during college ($20k), prior savings from high school employment ($5k), and revenue from an ebay business while in college ($10k), and student loans ($90k). My salary plus compensation went from $115k in 2005 to $150k in 2017. Our savings rate was about 70% on average. My parents initially promised to cover the student loans out of what they deemed to be principle, but we assumed them when purchasing their home/farm in 2019 ($380k + assumption of student loans + free rent for life, for an estimated $750k home/farm that is now probably closer to $900k). Finances: I retired at the age of 38 on June 6, 2017, the day before the twentieth anniversary of my high school graduation. I am married with no kids and generated over 95% of the family income while employed. We live in LCOL rural TN. Our asset allocation was initially 60% VTSAX (total US stock market) / 20% VFWAX (total INTL stock market) / 20% VWLUX (US municipal bonds). After the purchase of my parents’ home/farm, our net worth is closer to 50% real estate (one house with 28 acres and another house with 66 acres) / 50% VTSAX (total US stock market). We also hold roughly $50k in belongings not included in the portfolio. My spending model places no dependence upon possible future employment, social security, other inheritances, universal health care, or universal basic income. The final balance will be left to charities and worthy causes. 2020 RECAP Spending: Living expenses for 2020 came to $39,458 (max budget $41,736). We generated $8,045 of income this year from some almost entirely passive stuff. Our investment withdrawal was $31,413 this year, thus our pro-rated, annually-adjusted withdrawal rate was 1.51% for the year (max budget 2%). Without the additional income stream, our withdrawal rate would have been 1.89% for the year. Spending guideline for 2021 will be $46,858 (2% of net worth). Our net worth has gone from $1,333,772 (start) to $2,342,926 (current). Did I panic when the market corrected 40%? No. Howling monkeys are always gonna howl. I rode it out, got all of it back, and padded the portfolio even further. The New York Times reached out to me again in March to see if I was financially ruined, but I had to disappoint them. Experiences: I ran nearly 2000 miles after my competitive running career came to a close (personal records: 5:12 mile, 17:37 5k, 36:39 10k, 1:17:38 HM, 2:43:12 marathon). That’s way down from 3000 miles in 2019, but I switched over to cycling (2000 miles) primarily during the summer (marathon training carried over, so my wattage [261w / 3.6 FTP] would put me around a good Cat 4 or bad Cat 3 racer if I ever were to compete). I allowed the pandemic and others’ imbecilic denial of reality surrounding the pandemic to make this a less productive year. I mostly stayed home and stuck with existing hobbies (reading, gaming, watching movies, web browsing, vintage card/nintendo collecting, hiking, bird watching, shopping for my parents, following the near demise of our republic). I even reapplied with my old employer and the state volunteer medical core to help with immunizations for the upcoming year, but I am apparently not wanted. Upcoming: In 2021, I want to get vaccinated so that I can return to society, learn to swim effectively without a snorkel, learn to play some basic piano, look into becoming a race director, continue running for my physical/mental health, find some new volunteer opportunities, decrease my time in the digital world, spend more time with existing hobbies, make up for lost traveling (California #3, Hawaii #2, Japan #3), and continue to do whatever the fuck I want. submitted by /u/jasonlong1212 to r/financialindependence [link] [comments]

BACKGROUND Introduction: This post is part of an early-retirement series. Biennial updates will be made around June 1 (near retirement anniversary) and January 1 (end of year finances). As these posts have become increasingly popular based on the number of views and comments, and as my desire to spend nearly an entire day on reddit has significantly waned, my responses might be limited. I’ll try my best to stick around for a bit, but please check comments and posts from previous posts to find answers to potential questions. I genuinely appreciate all of the positive comments, even though I might no longer take the time to say so individually. I apologize if I don’t remember you individually. The usernames and stories run together. Please remind me of a discussion we had or provide a link if it’s relevant to something you want to know. Model: I wish to maintain a portfolio that began in June 2017 at $1,025,772. My maximum withdrawal rate is 3% of each year’s starting balance, provided that the portfolio remains above $1M. My maximum spending rate is the maximum withdrawal plus income earned outside of employment for the sake of income. Should the portfolio drop below $1M, I will lock back into a maximum $2500/mo ($30k/yr) guardrail withdrawal until the market recovers. I realize that this is not the holy Trinity method, but consider these three factors that give us flexibility: a 3% withdrawal rate is below the 100% historically safe mark of 3.2% for fifty-year portfolio survival, the extended bull market has peaked us more than 20% above our $1M target (meaning that $36k annually is actually a 3% withdrawal rate if restarting from the peak); and our actual withdrawal rate is much less than 3% due to earning additional income and an unexpected $30k windfall in 2018 (placing our actual withdrawal rate well below 1%). The budgeted withdrawal amount for 2019 is $2638/mo or $31,656/yr. In 2017, it was $2564/mo ($2676/mo adjusted for inflation). In 2018, it was $2773/mo ($2834/mo adjusted for inflation). Career: I am a former retail pharmacist who hated both his job and profession for the following reasons: unacceptable amounts of stress, lack of civility from the general public, capitalism gone amok, fundamental disagreement with the overuse of pharmacotherapy as an answer for underlying health issues, and a severe opiate crisis that few have yet to appreciate. I attended college for eight years to earn a bachelors (1997-2001) and a doctorate (2001-2005) before joining the workforce for nearly twelve years (2005-2017, entirely with CVS). $150k in education costs were covered by academic scholarships ($25k), employment during college ($20k), prior savings from high school employment ($5k), revenue from an eBay business while in college ($10k), and massive help from my parents ($90k). My salary plus compensation went from $115k in 2005 to $150k in 2017. Our savings rate was about 70% on average. Finances: I retired at the age of 38 on June 6, 2017, the day before the twentieth anniversary of my high school graduation. I am married with no kids and generated over 95% of the family income while employed. We live in LCOL rural TN. Our asset allocation is approximately 60% VTSAX (total US stock market) / 20% VFWAX (total INTL stock market) / 20% VWLUX (US municipal bonds). We also hold roughly $400k in house, land, and belongings not included in the portfolio. My spending model places no dependence upon possible future employment (outside pharmacy?), social security ($10k/yr?), inheritance ($500k?), house equity (reverse mortgage with no heirs?), universal health care (probable?), or universal basic income (possible?). The final balance will be left to charities and worthy causes. YEAR TWO RECAP Spending: Living expenses for the year came to $39,954. This is $7,353 over the targeted amount of $32,601. Our spending was 22.6% over budget for the year and 18.8% over since retirement. We generated $13,263 of income this year mainly from my wife wanting to work part time (not for money). Our investment withdrawal was $26,691 this year, thus our pro-rated, annually-adjusted withdrawal rate was 2.37% for the year, and 0.81% since retirement. Without the additional income stream, our annually-adjusted withdrawal rate would have been 3.68% for the year, and 3.56% since retirement. Investments: The portfolio went from $1,025,772 (year zero) to $1,146,164 (year one) to $1,138,092 (year two). This is a 0.99% decrease for the year, but a 10.95% increase from the start. Dividends included, VTSAX (60% AA) went up 1.48% this year; VFWAX (20% AA) went down 6.18% this year; VWLUX (20% AA) went up 6.58% this year. Overall, investments went up 0.97% this year. Reflections: A wild year for the market, but everything seems to be going as planned. We entered year two of early retirement at $1.146M on 6/1, peaked at $1.199M on 9/20, bottomed at $1.008M on 12/24, peaked again at $1.202M on 5/3, and finished back down at $1.138M. I can’t say that I ever gave serious thought to converting stocks to a more stable form of investment, but it did often cross my mind. Sure, I wish I had temporarily jumped out near the market peak, but I’m also glad I didn’t jump out in 2008/2010/2011/2015 when dart throwing monkeys were howling just as loud as ever. I don’t know how this imbecilic and unnecessary trade war nonsense is going to work itself out, but Wall Street definitely views it as imbecilic and entirely unnecessary. What I view as entirely unnecessary is the existence of a representative democracy that allows imbeciles to have an equal say with intellectuals. What I view as intriguing is the thought of wearing an infinity gauntlet, but that’s another story for another day. On the other hand (literally), this whole process doesn’t work without imbeciles, so maybe everyone can stay and report to rehabilitation camps instead. Experiences: I consider these to be the highlights of my second year in early retirement: ran over 2000 miles, broke three hours in a marathon for the third and fourth time (third one is my current PR at 2:48:30, fourth one was on the toughest road course in the southeast at 2:57:56 which is the course record by over 36 minutes), lowered my half-marathon PR (from 1:25:04 to 1:21:06 in October, then 1:19:57 in February, then 1:19:43 in April which was enough to win the state championship), set a personal record in the 1500m swim (finally getting under 2:00/100yd pace with the help of a wetsuit), took my first solo vacation in many years (went to New Orleans for a day and was bored to tears), played disc golf for the first time in over thirty years (better at this than normal golf), continued to write in my daily journal every single day since retirement without exception (focusing on weird dreams), took up the occasional evisceration of intellectually handicapped people who say stupid things in local facebook groups (no shortage of idiots in this part of the country), tackled all of my CE requirements (including 15 hours of article examinations in 45 minutes – broken system), became a certified volunteer ESL teacher for a semester with a nonprofit program (teaching intermediate level classes in English), volunteered in a voter registration drive at a small library branch (no one showed up), volunteered as a 1:30 pacer in a charity half marathon (always great to offer comedic relief when running at a pace that most people can only dream of), squandered hundreds of hours playing PS4 games (Final Fantasy XII: Zodiac Age, Final Fantasy XV, Dragon Quest XI, Ni No Kuni 2, Spider-Man, Fallout 4, Dragon Age: Inquisition, GTA V, and Persona 5 – I didn’t care much for Red Dead Redemption 2 or God of War – there were others that were quicker plays), increased my count to 650+ movies on TSPDT 1000 (including 430+ of the top 500), collected some more vintage sports cards (pictures of men with moustaches), completed and self-published my sci-fi novella (Remember I Was Vapour), interviewed for and dealt with the fallout from five media articles (more on this below), participated in an apparently abandoned 60-second doc on financial independence (not sure why it was ditched), participated in an apparently abandoned financial pharmacist podcast (perhaps I spent too much time degrading the profession instead of talking about the topic of the show – early retirement, if I recall the topic correctly), applied for and turned down a non-retail pharmacy job offer (applied on a whim and got an offer fifteen minutes later, plus a bad commute and onset of panic), helped my parents do repairs (roof, gutters, tractor, etc.), built a new mailbox (for UPS packages and such), did a lot of litter pickup (before this trendy but wonderful trashtag thing started), made preliminary but detailed itineraries for several future vacations (Japan #2, Japan #3, Denmark/Sweden/Norway, California #2, Portugal/Spain/Morocco, Uganda/Tanzania, Australia/NZ, Egypt/Greece, Finland/Russia, UK, Latin America, SE Asia), dealt with the brief emotional impact of having my best friend from ninth grade commit suicide (I’m fine, but seriously, don’t ask), and celebrated my 40th birthday by doing a blitzkrieg of stuff that I loved growing up. Media: I was featured in two NYT articles, two Business Insider articles, and one Big Think article. I even created a blog for the sole purpose of getting some amazon click-thru revenue from those NYT articles. Three of my real-life friends saw the first NYT article (style section) without me mentioning it to anyone I know. However those articles failed to include a proper link to my blog because some idiotic web designer didn’t know what the hell he/she was doing. You would not believe the amount of incompetence and the explanations I was getting from that end. Sorry, I don’t feel like reliving it in detail. They eventually fixed their mess, but it was far too late to make a difference for traffic flow. Still, this didn’t stop a legion of people from stalking me on strava and facebook. I had to politely turn away most of the people who wanted to meet up, but I made time for most fellow marathoners, pharmacists, and redditors. Hopefully my fifteen minutes have passed. I might shut down the blog because I don’t really do anything with it. I refused pictures, and I’m glad I did since they successfully made the participants look like total douchebags. And coming from me, that’s saying something. Routine: Comparing my daily habits in year two compared to pre-retirement, I increased my swimming (currently on hiatus), weightlifting (on hiatus), volunteering (on hiatus), hiking (several treks), movie watching, puzzle solving, family time, housework, yardwork, cooking, kayaking, stargazing, socializing, painting, bowling, videogame playing, reading (20-30 books), writing, studying astronomy, napping, and watching television (Game of Thrones, Arrested Development [new seasons], Cosmos [fifth time], Parts Unknown). Things I failed to make much progress on were learning to play an instrument (lack of talent and interest), improving my Spanish and Japanese (other than ESL class – and I pushed the second three-week Japan vacation back again to 2021), being able to bench press my body weight (tough hill to climb, and running takes all of my energy), helping fight the opiate epidemic in online discussions (dealing with imbecilic addicts who know nothing beyond anecdotes, personal attacks, and fallacious logic is wearisome), reducing internet time (tough to turn away when a particular group is responsible for the moral and intellectual erosion of the country), and deconverting religious adherents (taking a long break). Upcoming: What lies ahead in year three? I plan on running 3000+ miles and participating in a few more races before leaving competition (including a return to the 10-miler that I placed 50th in four years ago, now with hopes of an overall victory and a nearly certain 40+ category victory). I hope to help a friend of mine earn his first sub-three marathon and subsequently accompany him to Boston in 2020 as my final competitive race, but that’s mostly up to him. I would like to break five minutes for the mile (probably will not happen) and 2:45 for the marathon (should be in the bag on the next attempt). I have indefinitely postponed plans for a triathlon due to a total lack of interest in competitive cycling and swimming (and a lack of preparedness by the guy I was going to participate with). A two week trip to Alaska/Washington/Victoria including an overnight backpack in Denali is coming up very soon. Perhaps there will be another trip somewhere in the spring. I’d like to expand the novella to a novel or convert it to a movie script. I’d like to hit 700 on TSPDT 1000. I’d like to bowl a 600 three-game series. I’d like to solve Rubik’s cube in less than one minute. I’d like to expand my understanding of relativity and quantum theories. I need to find some new things to do because it kinda feels like I’m running out of ideas. I need to get out of the house more. I need to worry about volunteering less and focus more on doing things for myself. I need to worry less in general, but I also want to continue making small improvements to the world. I want to enjoy life. I want to do whatever the fuck I want. And I shall. Right after I finish answering some idiotic questions. submitted by /u/jasonlong1212 to r/financialindependence [link] [comments]

Dear Customers of CVS Pharmacy, ​ I am a pharmacy Technician. I've been with CVS for 11 years now, and I just gave my 2 weeks’ notice. Now that I'm not bound by the social media policy, please allow me to divulge to you just how CVS corporate works... ​ First off, all stores are given a "budget" of how many hours they are allowed to have scheduled each week. The allotted hours must NOT go over budget. If it does, the pharmacist in charge has to write up why more hours were used...then they get in trouble. The pharmacist gets written up. This is why nothing is ever ready on time, corporate does not allow stores to schedule the required help to maintain their stores. ​ Second, all they care about is "metrics." Every week, the store gets a report of scores. How many people did you sign up for auto-refill? How many people did you sign up for 90-day supplies? How many people agreed to let you contact their Doctor for more refills? This report prints out weekly, with a quota. 65% for auto-refill, 55% for 90-day supplies, and 45% for refill requests. The report has the name of each pharmacy employee, the number of customers they rang out, and the success percentage. If they are UNDER the quota, they must write up an action plan on how they will improve their success percentage. If they are constantly below quota, they get written up. They tell you to "word it properly" so people will accept. (Instead of asking "would you like us to auto-refill this" ask "would you like this ready next time you need it" so as to make them say yes). If you were signed up for auto- refill without your permission, it's likely the tech was just trying to save their job. ​ Every weekend, the technicians are mandated to make "PCI calls." These are calls that get put into a queue when a medication is "past due" to be filled. We are required to call every patient (usually around 200 calls in my store) to see if they need the med filled. This is also counted as a metric. We need to get 60% success rate of "patient care initiative" refills. We must make at least 3 rounds of these calls, which means if you don't answer, we have to call at least 3 times over the weekend to get you to fill the past due script. Robot calls: we cannot control them. Same with text alerts. It's a corporate thing, not a store thing. ​ We have 5 stations in the pharmacy. Drop Off, production, quality assurance, drive thru, and pick up. In a perfect world, that means there should be 4 technicians and 1 pharmacist. Nope. Not at CVS. My store is LUCKY if we get 3 techs in the same shift. It's normally only 2 of us. That means 2 people to type up scripts, fill scripts, make phone calls, take phone calls, do drive thru, and handle the register. The techs do most of the work. Pharmacists usually just check the technicians work. We are trying our best. ​ Pharmacists are not allowed to take breaks. Most work 10-12 hour shifts with no break and are lucky if they get to use the bathroom. They have to eat their food in the pharmacy. Technicians hardly get breaks either. At my store, every employee is "encouraged" (practically forced) to sign paperwork stating that they don't need a break. Once this is signed, you rarely get breaks...and it's legal. Techs, however, are NOT ALLOWED to keep food in the pharmacy. The majority of us go the whole day without eating. Depending on the pharmacist (at least in my store) they will keep your food with theirs in case Lost Prevention comes in... the pharmacist claims it's their food. ​ Yes, a lot of techs will work off the clock. It's not allowed, but it's the only way work gets done. Since we are not allowed to go over hours without getting written up, and if customers complain that scripts aren't filled, we get written up. It's a lose - lose situation. Last week, our lead technician worked 40 hours on the clock....and 27 hours off the clock. No lunch breaks. Just to try and get scripts filled. She worked 7am-10pm Monday to Thursday (No breaks), then 9-4 Friday. This is pretty much the norm. ​ Be careful when you file a complaint. Corporate does not believe that they are the problem. If you complain about a pharmacy not having enough help, corporate will send an email to the store in question, stating the complaint. The pharmacist in charge will then have to contact the district manager with a written statement stating how the store will improve. If the customer left their name and phone number, we have to call and make amends. ​ The techs must be state and nationally certified, which requires schooling and testing. It is to be updated every 2 years. They basically make nothing. Average technician pay is $11 an hour. NOT A LIVABLE WAGE. The pharmacist makes 6 figures...but techs? Not nearly enough for the amount of work and exhaustion they are put through. ​ CVS cares about ONE THING and ONE THING ONLY. Please be patient with the techs and pharmacists. They are only doing what they're told and threatened to do. I'm so glad I'm finally leaving. Not only as an employee, but I will never give CVS my business again. submitted by /u/DrYellowhammer to r/pharmacy [link] [comments]

I found out a couple weeks ago that some friends are pregnant with their first. I wrote this to help them prepare for it. FWIW, I have an almost 3 year old and a 4.5 month old. I hope this helps some dads to be, here! Feel free to add anything you think I missed (there are things I thought of after I emailed this to my buddy and told him later but did not put into this). After we've got some responses, I'll see how much of this we can add to the wiki here. Before Go to all baby appointments! This is probably a no brainer for you but some people don't realize it. Ultrasounds are cool! And it's really great to ask the ObGyn or midwife any and all questions you have! (ie, I asked before #1 was born when I'd be able to hear his hearbeat. The ObGyn said, "in just a minute, I have the doppler right here." "no, I mean with my ear against her belly." "oh, never, it's too loud in there and baby's heartbeat gets drowned out.") Go to some birth classes. But maybe not all of them. Depends how many you're encouraged to go to; KP advised ALL of them and they're tiring and tedious and mostly boring. I skipped the breastfeeding one, from the sounds of it, that was a good choice because it was a bunch of women trying to learn to breast feed dolls with at least one boob hanging out. L&D class was like 8 hours on a Saturday with like 30 couples. We went through the whole process. It was exhausting. I'm not sure it helped much because when you get to it, you listen to what the medical team is advising. Start planing to buy shit now (or starting at week 13) If you're going to do one, make a registry, do the showers, and see what people get you. Get your big ticket items (car seats, strollers, cribs, etc) onto something like camelcamelcamel or other pricewatch and buy the sales. I bought our stroller as an OpenBox deal on Amazon. Still paid $300 for it but that's better than the $500 retail. More on gear later. If you're going to get a doula, start meeting them now and find someone you like. My yoga studio has a "meet the doulas" event one night every month or so where they all give a spiel and then you can hang out and talk to them. We went but I had to chase our toddler around so I didn't get to sit in on the thing. We found a doula to be really helpful, mostly because it made it feel like there was a person on our team that wasn't a hospital employee and it gave me more comfort in being able to leave the room to run home for things as needed. In retrospect, a doula would have been probably even better with the first delivery than the second but live and learn. Pregnancy sucks. Did no one tell you that? Plenty of women say they loved being pregnant (Wife said she enjoyed being pregnant with our first, not so much the second as she had miserable heartburn every day. She carried a bag of tums with her at all times and called them her "after dinner mints".) and I have no doubt some do. I support that and their feelings. But you're beginning what will likely be one of or the most life changing choice you'll ever make and prior to that little bundle of giggles popping out, your partner gets to go through a roller coaster of hormones (I lucked out with wife, she's even keeled and that part wasn't bad) as well as body changes that are sure to wreak havoc on psyche. "I'm the heaviest I've ever been!" Well, yea, you've got a baby inside you, you've never had a baby inside you before. Really messed with wife when I put my boot on the scale at a visit and tipped the scales to something like 190. She was like "OMG, I've really packed it on in these weeks!" The med assistant gave me wry smile and wife turned to see me close and scrunched her nose and shook a fist. Fun stuff. Did I say pregnancy sucks? Libido will be all over the place. So will body comfort both physically and mentally. You just roll with it as you can. Near the end (and especially once the baby has come) your partner's breasts will probably be the largest, shapeliest, and most enticing they have ever been. And it may be entirely likely you're are not allowed to play with them, touch them, look at them, breath on them, or even think about them because they're sore and maybe leaking, and goddamnit I'm a cow now, MOOO. (Wife has said moo a couple times in the last couple weeks when I walk in and she's pumping; I think all the pumping is taking a toll on us both. It's a lot more work that breastfeeding but it allows me a wonderful amount of involvement with the baby which allows for more bonding and I feel way more connected to #2 than I did our first at this age). Of course, the above are not absolutes, all women are different and pregnancies are different. We had plenty of sexy time while pregnant with #1 and comparatively none with #2. Part of that was how hard the second pregnancy was and part of that was that we already had a kid and were doing parent things so were tired. So it goes. Plan some vacation now; especially if leave from work is not a concern. First trimester can be rough but things generally smooth out in the second. We went to Nicaragua and hiked an active volcano when wife was 4 months preg with #1. Do that shit now, it will be a while until you'll want (or have the energy) to travel and we're a lot less adventurous now that we're caring for kid and infant. No surprise there Start familiarizing yourself with the alphabet soup. FMLA, CFRA, PFL, SDL. Family Medical Leave Act; California Family Rights Act; Paid Family Leave; Short Term Disability Leave. These will require paperwork from medical offices to employers and to the state. Get these submitted as required and make use of those benefits. You can always do more work. One day your baby is crying for you and wants to be held and snuggled, the next he's telling you to get out of the chicken run, you don't go in there, and he'll put you in timeout. It's fucking hard but not so that you'd want to miss it. Know your employment contract/policies/etc as well as your boss's position on family life and work culture. Don't be guilted into anything that is less than the full amount you are entitled to. In the same vein as the above point, you won't believe (maybe you will) the amount of assholes who will tell you, "you won't be able to wait to get back to work!" or "why are you taking so much time?" or "You'll get sick of being home and come back early." No two ways about this: fuck those people. Know multiple routes to your hospital and how long it take to get there in the worst traffic. First babies are generally slow to come but it's a goddamn roller coaster of excitement when something like water breaking happens and you have to get up and go. Labor and Delivery By now you should have a car seat base installed into the car and a proper car seat in it, waiting for the moment. Leave this in the car, the hospital will likely not let you leave without it. Find a place to inspect the installation; some hospitals do it, so do fire departments. Google/call around or ask at your next ObGyn visit. You need a Go Bag. Or one each. This should include: personal care products phone chargers other distraction things (labor can be literally hours of just sitting waiting) list of mom's meds (or mental knowledge) known allergies! birth plan if you have one a change of clothes (as a dirty man, I think I brought a shirt, lol) clothes for baby to go home in (don't just bring NB size! A 0-3 onesie is a good idea too; never know how big that baby is going to be) lacrosse ball or whatever; hospital room accommodation for mom is alright, Dad is probably going to be on a pull out chair or couch. Comfortable, easy on/off, loose clothes for mom. You'll mostly be told what/where/how to do things once you're in the hospital. However, you have some choice too. Mom doesn't have to labor laying down on her back with her feet in stirrups. You can walk around, (depending on facility) use a bath tub, roll onto sides, hands and knees, etc. Pain management is important. Something I think helped with #2 is that instead of going straight for an epidural, wife elected for Nitrous Oxide. So as she felt a contraction coming, she'd hold the cup over her face and breath the N2O until about the peak of the contraction. Obviously not enough to knock her out but enough to take some of the edge off the contraction. (Apparently, this used to be really common, then much less so since the 80s? 90s? then has come back into favor after new research more recently. Epidural is an option. Talk to your ObGyn about this. TL;NotAHealthCareProvider is it numbs things drastically and therefore often requires IV synthetic oxytocin to be administered to advance the labor. More interferey, more possibility for complicationy. You'll likely be offered to cut the cord. I noped the fuck out of cutting #1's. When they asked me way before #2 came out, I said "no way". But when the time came I spoke up and told them I wanted to. I don't really remember it honestly. I mean, I do, but it isn't that significant in my mind. I'd recommend doing it, though. AFAIK, episiotomies are no longer recommended but that isn't to say tearing won't happen. It probably will. It will have to be stitched up. It comes in four grades. Vaginal wall, vaginal muscle, rectal muscle, rectal wall. I don't remember the grading numbers, 1-4 I think. First kid caused a 3, second a 2. Recovery from the 2 was much faster than the 3. Feeding the baby as soon and as much as possible is important. Gotta get that nasty poop (don't remember what it's called) out as it is related to jaundice problems. Jaundice is also apparently caused by a blood type (RH) mismatch, between mother and baby and we had this problem with #2. We spent like 24+ hours keeping him under blue lights and trying like hell to stuff his body full. Once he regained birthweight, all concerns related to the RH mismatch were gone and we were out of the dark. Breastfeeding can be hard for mother and baby at first. Use lactation consultants and get help. Mom's who breast feed have a lower risk of post partum depression Dads can get post partum depression too. Maybe google around and be aware of the risk factors and signs for both of you. Gear Car seats all have to meet the same safety standards. Get one that is light enough to be comfortable, is easy to get in and out, and fits in your car well. That last bit is more important for older kid carseats than infant because infant seats all seem to have the same base size. Crib: they're fucking expensive. We got ours from Pottery Barn, somewhere we would never shop, only because one of wife's friend's moms gave us $200 in gift cards for there for our wedding. I think we still paid like $400 for the crib after the cards applied. But #2 is using it now too so maybe that's not insane. Stroller, as mentioned above, it's expensive. We had a Graco or something that we bought because it would hold the infant seat and it was cheap. It fucking sucked and I hated walking/running with it and it didn't maneuver well. Then we went on a hike and borrowed a BOB. It's a great stroller. We bought our own. #1 still rides in it on evening walks while we carry his brother on our chest. And this weekend we snapped the adapter into it and put #2's car seat on it and went to the Farmer's Market. Again, if you're comfy with the idea, Amazon Warehouse/Open Box deals. I wanted a stroller with a swiveling front wheel that had the option to lock as well as an adjustable handle. I found the handle on our old stroller was too low and was uncomfortable for long periods of pushing. The adjustable height on the BOB handle is nice. I think the biggest thing here is to get a stroller that fits your lifestyle. A baby swing is handy. It's nice to have something that rocks them and plays music/white noise. We've got one that has a mobile as well. Given the time frame, I think you guys are welcome to ours. It's a little squeaky but wholly functional. A bouncing chair gets even more use, for us, with both kids. We have one like this. It worked really well for both kids and we use it ALL the time. Several times/day. Water proof mattress covers. covers, with an 's'. Because you want two of them. Make the crib twice: cover, sheet, cover, sheet. That way when the inevitable 2am blowout happens, you strip down the first two layers quick and go back to sleep. We changed and replaced too many sheets with #1 before we learned this one. A baby carrier. Ayayay. We've had like 4 of these things. Bjorn (meh); Baby Onya (used a lot but was never very comfortable for either of us); one other I can't remember, and now a Lille Baby which we both like and find very comfortable. Wife also got a Ribozo from our doula. It's a 15' long wrap. It works well for wife and #2 looks so cozy in it. Generally she uses that and I use the Lille but she sometimes uses the Lille. I haven't tried the Ribozo yet but don't think I will. Bottles. Holy crap there are so many. With #1 we ended up liking Tommee Tippee the best but #2 had trouble with them. We went to Dr. Brown's for him. They're expensive but seem to really help cutting down the sucked air. (getting him off formula really helped get rid of his fussiness too). If breastfeeding, this isn't really a concern A bottle warmer. In both our condo and here in our house, we leave a bottle warmer near the bed. At night we put a cooler with bottles next to the bed and warm them as needed throughout the night. It's basically a small hot plate that you add water to and it boils/steams the bottles. Works alright. Big swaddles. Not these stupid like 18-24"x 30" buggers that are everywhere. We got some this time around that are like 36x36" and they work way better. Baby Care You're going to want some things on hand so that you don't have to go get them at the 24hour CVS at 2am. I've done this. On multiple occasions (once from a hotel room in an hour or so south of Sacramento because we didn't bring things with us; it sucked) Tylenol. Children's tylenol has the same concentration as baby tylenol but is generally (no exaggeration) less total cost for twice the volume. Often the difference is the cap--baby tylenol has a cap that receives a syringe, children's often doesn't. So decant into the lid or a dosage cup and draw it with the syringe. "But children's tylenol doesn't come with a syringe?!" Go to the pharmacy window and ask for a liquid medicine dosing syringe. They have them for free. The thing to make sure is that the tylenol is 160mg/5ml. Ibuprofen. Kids can't have this until 6 months. At which point, get some and keep it on hand so you can cycle Tylenol/IB as needed. Baby gas drops. The drug is Simethicone. Get a couple bottles and keep on hand. Gripe water. It is natural gas remedy and supposed to help sooth the tummy. It's like fennel or some other herbacious shit. thermometer. We've got rectal, oral, and one that goes into ear. The first two have gotten lots of use. The aural, not much; wiggly kids are tough. Don't confuse which one goes in what hole. We recently bought an otoscope so we can see if it's worthwhile to head to the Ped/urgent care for ear problems. I think it was like $40 on Amazon; comparing that to copays, it seemed reasonable. Lanolin. For diaper rash (also chapped nipples). There are other options for diaper rash too. Lanolin seemed to do the best job with the least disgustingness. Coconut oil is nice for general use as well but not great for severe rash. Baking soda. This isn't a carry with everywhere thing, it's more for dealing with diaper rash at home. But a good amount into a bath really seems to soothe skin. I just dump a bunch in. If you get it from somewhere other than the grocery store it's super cheap. Q-tips for boogers and ear wax Put your pediatrician's number into both your phones under something like "PEDIATRICIAN" so it's easy to find. to couple with above, most places (especially down there) or insurance providers have an "advice nurse" who is a great, free resource to call with questions. It's kind of like triage in that they can help you decide if the kid needs to be seen by medical providers. Put this number into your phone too. Baby at home Sleep when the baby sleeps Read about sleep training and decide what you're going to do. It doesn't have to be concrete, but it helps to have a plan and start early. Co sleeping is done around the world but largely frowned on in America. New research is suggesting maybe America rethink that (saw that headline yesterday, I think). Do what's right for you. Generally, our babies slept better with us when young but we slept like shit with them in bed. We normally only brought them to bed when they needed comfort. Happiest Baby on the Block is a book or video or something that gets rave reviews. We watched the dude who created it in a KP class on infant care. Swaddling and "shhh-ing" really calm an angry baby. Youtube some swaddling techniques. There's kind of a standard version and a "frog" version. I only did the frog version with #1 a little bit near the end of his swaddling but it worked well. I use the standard (draw a straight edge of cloth--I use stretchy blanket, often--across the baby, right shoulder to left hip; draw the excess from below them up tight to the left shoulder; draw the remainder tight from left shoulder to right shoulder. Bam. Swaddled and happy White noise machines are recommended frequently to help kids sleep. We play little musics when he's in his chair or swing and have one of these for the crib but #2 doesn't seem to be into it whereas #1 would zone out on it and pass out. Reflux is a common issue with baby because they're lower esophogeal valve doesn't work like ours. It's also the reason they vomit when burping, I think. A folded tower underneath the own end of the crib mattress can really help to ease some fussiness if this is an issue. Gas pain is really common especially with bottle fed and formula babies and with all babies until the gut develops more (4+ months, I think). laying them on their back and "bicycling" their legs can be helpful, so can pushing but legs up to a squatty position when they are on the back. Once they're a bit older and can hold head up, laying them across the lap with hips hanging off one side and head off the other can be beneficial as well. People will want to touch your baby the same way they want to touch your dog--without asking. Think about how you want to handle this. the American Academy of Pediatrics recommends basically 0 screen time until 2 years. If the kid won't stop screaming and you've done everything and are losing your shit, put it down in it's crib and take a breather. It is safe in it's crib and you'll feel both a million times better and like an asshole for having been frustrated. Learn Infant, Child, and pregnant woman heimlich and CPR if you don't know it already Lock the poisons away now. Schedule time to give your partner a break and do the same for yourself. This is "me" time. A walk around the neighborhood, watching the ocean, circus time, a cup of coffee, walking through the shops downtown. Whatever. Just make plans to send one another away alone. You don't realize how much you worry about the kids until you're not with them. You'll hear a baby while out and go into high alarm then realize, "oh, that's not mine." Find a good baby sitter and plan dates. Between date expenses and the sitter it's fucking expensive. It's worth it. Read to your kid every night. We haven't started with #2 consistently yet but will soon. #1 gets his books every night. It's a wonderful time to expand their vocabulary, teach them, and also cuddle, bond, and relax. I think more than anything, trust yourselves and your instincts. All manner of things are said to make your life and baby easier, happier, healthier, smarter, etc. Most are just to make money for other people. submitted by /u/zataks to r/daddit [link] [comments]

BACKGROUND Introduction: This post is part of an ongoing monthly early-retirement series and my way of giving back to a subreddit that helped me tremendously on my journey. As these posts have become increasingly popular based on the number of views and comments, and as my desire to spend a great deal of the first day of every month on reddit has significantly waned, my responses might be limited. Please check comments and posts from previous months to find answers to potential questions. I genuinely appreciate all of the positive comments, even though I no longer take the time to say so individually. Model: I wish to maintain a portfolio that began in June 2017 at $1,025,772. My maximum withdrawal rate is 3% of each year’s starting balance, provided that the portfolio remains above $1M. Should the portfolio drop below $1M, I will lock back into a maximum $2500 per month ($30k per year) guardrail withdrawal until the market recovers. I realize that this is not the holy Trinity method, but consider these three factors that give us flexibility: a 3% withdrawal rate is below the 100% historically safe mark of 3.2% for fifty-year portfolio survival, the extended bull market peaked us nearly 20% above the original target amount (meaning that $30k annually is actually 2.5% instead of 3% if restarting from the peak); and our actual withdrawal rate was averaging less than 2% of the original portfolio balance (due to earning additional income) when we received an unexpected $30k windfall (meaning that our current withdrawal rate is actually negative). The budgeted withdrawal amount is $2773 per month for 2018. In 2017, it was $2564 ($2618 adjusted for inflation). Career: I am a former retail pharmacist who hated his profession for the following reasons: unacceptable amounts of stress, lack of civility from the general public, capitalism gone amok, fundamental disagreement with the overuse of pharmacotherapy as an answer for underlying health issues, and a severe opiate crisis that few have yet to appreciate. I attended college for eight years to earn a bachelors (1997-2001) and a doctorate (2001-2005) before joining the workforce for nearly twelve years (2005-2017, entirely with CVS). $150k in education costs were covered by academic scholarships ($25k), employment during college ($20k), prior savings from high school employment ($5k), revenue from an eBay business while in college ($10k), and massive help from my parents ($90k). My salary plus compensation went from $115k in 2005 to $150k in 2017. My savings rate was about 70%. Finances: I retired at the age of 38 on June 6, 2017, the day before the twentieth anniversary of my high school graduation. I am married with no kids and generated over 95% of the family income while employed. We live in LCOL rural TN. Our asset allocation goal is approximately 60% VTSAX (total US stock market) / 20% VFWAX (total INTL stock market) / 20% VWLUX (US municipal bonds). We also hold roughly $400k in house, land, and belongings not included in the portfolio. My spending model places no dependence upon supplemental income (future employment?), social security ($10k/yr?), inheritance ($500k?), house equity (no heirs?), universal health care (probable?), or universal basic income (possible?). The final balance will be left to charities and worthy causes. MONTHLY UPDATE Spending: Living expenses for the month came to $3471. This is $698 over the 2018 monthly targeted amount of $2773. Our spending is 25.2% over budget for the month, 18.0% over for the year, and 19.1% over since retirement. We generated $474 of income this month from my wife wanting to work and some of my old book royalties. Our investment withdrawal was $2997 this month, thus our pro-rated, annually-adjusted withdrawal rate is 3.24% for the month, -6.71% for the year, and -1.22% since retirement. Without the additional income stream, our pro-rated, annually-adjusted withdrawal rate would have been 3.47% for the month, 3.54% for the year, and 3.57% since retirement. Investments: The portfolio went from $1,130,151 to $1,133,244 (a 0.27% increase for the month), which went down to a new total of (drum-roll) $1,130,247 after cashing the checks and paying the bills. This is a 10.19% increase from the original starting balance of $1,025,772. Since retirement, capital income from the investment portfolio has produced the equivalent of a full-time employee generating $45.97/hr of labor income. To sustain the original portfolio balance, $18.14/hr is the pace needed for COL based on spending rate; $-5.68/hr is the pace needed for COL based on withdrawal rate. Dividends included, VTSAX (61% AA) went up 0.45% this month (0.26% down for 2018); VFWAX (20% AA) went up 0.46% (0.25% up for 2018); VWLUX (19% AA) went down 0.29% (down 1.60% for 2018). Reflections: The overspending this month was due to a collection of vacation related purchases ($500), dentist/optometrist visits ($500), and my professional tax ($500). All of these were planned expenses. The market was all over the place again but ended pretty much flat. I try to avoid viewing daily market results, but they seem to have become ubiquitous in the digital universe. I am eager to see where the annual update next month will have us on spending and investing. Experiences: I won the Andrew Jackson Marathon on the coldest day in its 46-year history with a 2:59:04, became the oldest person to ever hold the title of RRCA TN state marathon champion, and set a course record on the current three-year-old route. I drove the entire way on an eleven day, 3100 mile vacation through 12 states (TN/MS/AR/OK/KS/NE/IA/MN/WI/IL/MO/KY) to bring my wife’s states visited count even with my own (49, no AK). The planned highlight of our trip, visiting Paisley Park, was cancelled when the blizzard hit. I highly recommend Garvan Woodland Gardens in Hot Springs, AR; Cosmosphere in Hutchinson, KS; Museum of American Speed in Lincoln, NE; Dana-Thomas House in Springfield, IL; and City Museum in St. Louis, MO. There was a message from a pharmacy staffing service on my home phone when we returned, but I did not bother returning the call. I was not able to convince my friend (making $70k/yr) with no savings/retirement and three kids that he shouldn’t spend $40k on a new truck just because he made $80k profit on a house sale. I spent way too much time again this month following the political circus. I cut back weekly running from 40 miles to 36 miles (still five hours but much less intense) and have started allocating three hours each week to swimming, cycling, and weightlifting (one hour each). Upcoming: My time at the museum has run its course. I no longer find it stimulating. I plan to spend time volunteering as a running coach in some local clubs and as a pacer in some local races. I have a marathon on May 5. It was supposed to be a backup race for my first victory, but after my result last month, I don’t plan on running it at race pace. If history is any indication, I should be able to tackle it at a training pace and still grab the overall win with a new course record (small field). I pushed the three-week Japan trip back to next year. I’d like to get back to more reading, kayaking, bowling, painting, and watching classic films. Perhaps I will also do whatever the fuck I want. Perhaps I should remove “perhaps” from that last sentence. submitted by /u/jasonlong1212 to r/financialindependence [link] [comments]

Introduction: This post is part of an ongoing monthly early-retirement series that will continue indefinitely, provided that the voting reflects the view that it is still seen as relevant to the community. I suppose that this is my way of giving back to a movement that helped me tremendously on my journey. As this post has become increasingly popular based on the number of views and comments, and as my desire to spend a great deal of the first day of every month on reddit has significantly waned, my responses will be very limited going forward. Career and background summaries are provided at the end and repeated every month. Please check there to find answers to potential questions. Model: I wish to maintain a portfolio that began in June 2017 at $1,025,772. I will use a maximum withdrawal rate of 3% of the year’s starting balance, provided that the portfolio remains above $1M. This amount is $2564 per month for 2017, based on the June 2017 starting balance of $1,025,772. Should the portfolio drop below $1M, I will lock back into a maximum $30k/yr guardrail withdrawal until the market recovers. I realize that this is not how the holy Trinity works, but since 3% is well within historically safe territory for indefinite portfolio survival, and since our withdrawal rate has actually averaged below 2.5% of the original portfolio balance thus far due to earning additional income, we have some flexibility. Spending: Living expenses for the month came to $3618. This is $1054 over the 2017 monthly targeted amount of $2564. Our spending was 41.1% over budget for the month, now 19.7% over for the year. We generated $1227 of income this month from my wife's part-time fun job at the library and some of my old book royalties. Our investment withdrawal was $2665 this month, thus our pro-rated annual withdrawal rate is 3.12% for the month and 2.19% for the year. Without the additional income stream, our pro-rated annual withdrawal rate would have been 4.07% for the month and 3.59% for the year. Investments: The portfolio went from $1,098,383 to $1,111,949 (a 1.24% increase for the month), which dropped down to a new total of (drum-roll) $1,109,284 after paying the bills. This is an 8.1% increase from the original starting balance of $1,025,772, even after withdrawals of $13,992 for living expenses over seven months. Since retirement, capital income from the investment portfolio has produced the equivalent of a full-time employee generating $80.36/hr of labor income. VTSAX (61% AA) went up 0.7% this month (19.0% for the year); VFWAX (21% AA) went up 1.4% (23.7% for the year); VWLUX (18% AA) did what it was supposed to do. Reflections: Our investments are once again at an all-time high, primarily due to passage of the tax cut for wealthy job creators like myself. /s Spending continued to be over budget in December due to the $1100 property tax, $400 six-month car insurance premium, and $200 payment for trees. This should settle back down next month. The increase in the new year-end balance from $1,025,772 to $1,109,284 means our spending budget will increase from $2564 to $2773 in 2018. I’m gonna get some extra cheese on my Whopper! Experiences: I broke the three-hour barrier in the marathon by going 2:58:18 on 34 miles per week of running during the training cycle. I consider this to be my greatest personal accomplishment since retirement, especially considering the healthy amount of skepticism shared by the running community on being able to do so with less than 50 miles per week. I finally played all of the PS1 games that I purchased nearly a decade ago, including Chrono Cross, Dragon Warrior VII, Xenogears, and Final Fantasy V. I’m still volunteering at the natural history museum. I’ve watched a few of the new movies that are expected to compete for awards this season. I planted a lot of trees and picked up a lot of litter. I made a fairly detailed map of our property. Looking back at this partial year, it’s hard for me to comprehend how much time I’ve spent housekeeping, cooking, weightlifting, running, swimming, volunteering, writing, exploring, building, gaming, reading, studying, internetting, mapping, napping, planting, listening to music, watching movies, picking up litter, and visiting family. My life expectancy is fifty more years, but I feel like I’ve lived a lifetime in just these past seven months. I would not return to retail pharmacy for triple the salary. I do not know what real stress is. I do not know what alarm clocks are. My life is so much better than it was before. I hope everyone here finds this peace. Upcoming: The following is a rough plan for 2018: half-marathon in February (1:24?), full-marathon in April (2:55?), two-week vacation across Middle America in April, half Ironman in August (5:15?), three-week vacation across Northern Japan in September, half-marathon in October, and full-marathon in December. Other projects for 2018 without set dates: construct an astronomy exhibit for the museum (possibly opening my own small museum), become a volunteer running coach (possibly becoming certified through RRCA), regain some proficiency in Japanese before the trip, play all of the Nintendo Gamecube games that I bought ten years ago and never touched, bench press my body weight (155), bowl a 200 game or possibly a 600 series (last bowled 200 when I was in a league eighteen years ago), watch Game of Thrones, play Final Fantasy XV all the way through once it gets a PC release, and significantly improve the appearance of our driveway. I’ll also be doing whatever the fuck I want. Career: I am a former retail pharmacist who hated his profession for the following reasons: unacceptable amounts of stress, lack of civility from the general public, capitalism gone amok, fundamental disagreement with the overuse of pharmacotherapy as an answer for underlying health issues, and a severe opiate crisis that few have yet to appreciate. I attended college for eight years to earn a bachelors and doctorate before joining the workforce for nearly twelve years, entirely with CVS. $150k in education costs were covered by academic scholarships ($25k), employment during college ($20k), prior savings from high school employment ($5k), revenue from an eBay business while in college ($10k), and massive help from my parents ($90k). Background: I retired at the age of 38 on June 6, 2017, the day before the twentieth anniversary of my high school graduation. I am married with no kids and generated over 95% of the family income while employed. We live in LCOL rural TN. Our asset allocation goal is approximately 60% VTSAX (total US stock market) / 20% VFWAX (total INTL stock market) / 20% VWLUX (US municipal bonds). We also hold roughly $400k in house, land, and belongings not included in the portfolio. My spending model places no dependence upon supplemental income (future employment?), social security ($10k/yr?), inheritance ($500k?), house equity (no heirs), universal health care (probable?), or universal basic income (possible?). The final balance will be left to charities and worthy causes. submitted by /u/jasonlong1212 to r/financialindependence [link] [comments]