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Joined 1 year ago
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Cake day: June 26th, 2023

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  • I can choose with my credit card to designate a purchase over 100 bucks as a pay over time purchase. I don’t use it for anything less than 4 digits, but this year we got hammered by 4 4-digit car repairs, a 4-digit tree removal, two surgeries for our dog, and a few other unexpected big expenses. I used it for the car repairs and the dog surgeries because there was a promotion where there was no fee, it just raises the minimum monthly payment, and brought the interest down. I didn’t have the cash to pay that many things off at once so I’m using to to pay them down that way at a lower rate.

    But you are absolutely right, using pay later plans for small frequent purchases is not great. They might not have a choice though.




  • I’ve been working on my Spanish with practice from some of my coworkers and patients. So far Duolingo’s “flash cards” have actually been pretty helpful, but I grant that some of the actual "instruction"isn’t there. I went from really rudimentary Spanish to being able to conduct a patient evaluation in Spanish as long as it’s straight forward.

    Everyone shits on Duo but I’ve found it to be a really helpful practice tool myself.