1. TEXT FROM_USER
Welcome to IVchat! Got an exciting chat in store 4 u. Bfore we
begin, pls introduce yourselves in <140.. #IVchat IVchat
I'm here, thanks for having me! #IVChat DrDeanBurke
Hi all, I'm Cora, infusion nurse, welcome to IV chat!! #ivchat InfusionNurse
Good evening, welcome to IVchat!! RT @DrDeanBurke: Im here,
thanks for having me! #IVchat IVchat
Looking 4ward to it #ivchat cilburke
Hi , Jon here..not a nurse but in healthcare....lurking and learning
#IVchat MEDsyntrix
Hi all, I'm Andy...never been on a chat so glad to be here...#IVchat mcvassociates
@mcvassociates @mesyntrix ...welcome to all! We will start in a
sec. #IVchat IVchat
Hello! Crystal here for NursingLink. This is our first time in Twitter
chat 2 :) #ivchat NursingLink
@nursingpins @nursinglinks..welcome to IVchat!! IVchat
T1 -tonight-holiday shopping-check out today's blog post:
http://wp.me/pNdnA-vc What are your spending plans this year-
welcome all #IVChat DrDeanBurke
Forgot the ht - Vernon in New Orleans - Hi all, here to learn - running
late. #IVchat nursingpins
RT @DrDeanBurke: T1 -tonight-holiday shopping-check out todays
blog post: http://wp.me/pNdnA-vc What r yr spending plans this year
#IVchat IVchat
Hi Vernon! RT @nursingpins: Forgot the ht - Vernon in New Orleans
- Hi all, here to learn - running late. #IVchat IVchat
Dr. Burke is our guest on tonights chat, feel free to post ur
replies/questions #IVchat IVchat
@nursingpins Hey Vernon #IVChat DrDeanBurke
b/c of economic, this holiday will be tough...#ivchat anyone else? mcvassociates
@mcvassociates Welcome Andy! #IVChat DrDeanBurke
hi DrDeanBurke - good to see ya. #IVchat nursingpins

2. @mcvassociates to make the most of your lean pocketbook, need a
list and a spending plan for each person! #IVChat DrDeanBurke
I feel bad that I might not be able to give what my family wants this
year too #IVchat MEDsyntrix
T1 I have 4 daughters - after purchasing kotex and hairspray - will go
from there :) #IVchat nursingpins
@nursingpins lol #ivchat NursingLink
@DrDeanBurke some nice tips in the URL you gave earlier #ivchat NursingLink
@MEDsyntrix Shouldn't feel bad, give plenty of love, that is what is
important! Hugs and kisses are free! #IVChat DrDeanBurke
T1 - will try to get the #1 on each list - may not get far down the the
list though! #IVchat nursingpins
@NursingLink Thnxs :) they work if you use em! #IVChat DrDeanBurke
Here's that link from Dr. Burke: http://wp.me/pNdnA-vc #IVchat IVchat
T1 talking about holiday shopping! Black Friday is near! #IVChat DrDeanBurke
RT @DrDeanBurke: T1 talking about holiday shopping! Black Friday
is near! #IVchat IVchat
Does anyone set a limit for total holiday spending, and more
important keep to their limit?? #IVChat DrDeanBurke
T1 The day after TG has usually been good - if you can fight the
crowds! #IVchat nursingpins
staying under budget is hard! dig the googling coupons idea though.
#ivchat NursingLink
@DrDeanBurke ..what would be a reasonable spending limit u would
suggset? #IVchat mcvassociates
@NursingLink coupons are good, but take effort to keep straight,
and use. #IVChat DrDeanBurke
Who doesnt shop day after TG? #IVchat MEDsyntrix
@mcvassociates Depends on your financial status-debt level, and
needs-practical things vs toys? #IVChat DrDeanBurke
I don't shop after TG. I have to work that night... #ivchat JoyceHarrellRN

3. @DrDeanBurke ..does store coupon really save money or justt
enticement to shop more? #IVchat MEDsyntrix
According to Reuters, in 2007 135 million people participated in the
Black Friday shopping rush. - wikipedia. Wowza. #ivchat NursingLink
@MEDsyntrix I avoid Black Friday-day after Thnksgvng, but my wife
loves it:) #IVChat DrDeanBurke
@nursinglink Staying under budget is hard. We all love to give.
#ivchat JoyceHarrellRN
@joyceharrellrn and not disappoint. #ivchat NursingLink
I agree..RT @JoyceHarrellRN: @nursinglink Staying under budget is
hard. We all love to give. #ivchat MEDsyntrix
I don't charge anything for Christmas. Cash all the way. No debt
after. @DrDeanBurke #ivchat JoyceHarrellRN
@NursingLink That's a lotta shopping! #IVChat DrDeanBurke
RT @NursingLink: According to Reuters, in 2007 135 million people
participated in the Black Friday shopping rush. wikipedia. Wowza.
#IVchat IVchat
that's smart! RT @joyceharrellrn: I dont charge anything for
Christmas. Cash all the way. No debt after. @DrDeanBurke #IVchat IVchat
I find you do better on BF if you know what you are going after -
otherwise get lost in the shuffle. #IVchat nursingpins
@NursingLink Yeah, don't want to disappoint. In my family, thank
goodness we have gotten passed that. #ivchat JoyceHarrellRN
Shouldn't be paying for holiday shopping on card if can't pay in full
when bill arrives, IMHO #IVChat DrDeanBurke
what about brands and their FB fan pages? sometimes they give out
exclusive coupons for followers. #ivchat NursingLink
@nursingpins Good idea! Make lists, and budget for each person.
#ivchat JoyceHarrellRN
anyone notice coupons being pumped out via FB or twitter yet?
#ivchat NursingLink

4. RT @nursingpins: I find you do better on BF if you know what you
are going after - otherwise get lost in the shuffle. Have a plan!
#IVChat DrDeanBurke
true RT @nursingpins: I find you do better on BF if you know what
you are going after - otherwise get lost in the shuffle. #ivchat InfusionNurse
@DrDeanBurke yes totally agree with this #ivchat NursingLink
@DrDeanBurke i get lost shopping just in the grocery store if i don't
have a list! #ivchat NursingLink
not yet but sure it'll be coming RT @NursingLink: anyone notice
coupons being pumped out via FB or twitter yet? #ivchat InfusionNurse
@NursingLink FB fan pages, good place for deals, if you have a
specific need, don't get caught in hype! #IVChat DrDeanBurke
RT @NursingLink: @DrDeanBurke i get lost shopping just in the
grocery store if i dont have a list! #ivchat JoyceHarrellRN
LOL..RT @NursingLink: @DrDeanBurke i get lost shopping just in
the grocery store if i dont have a list! #ivchat InfusionNurse
I have found a lot of good deals at http://woot.com/ esp
electronics/cameras etc. #IVchat nursingpins
my prob is sticking to the list..really need discipline... #ivchat InfusionNurse
what about overstock.com? is it really even cheaper? #ivchat NursingLink
is using a credit card for xmas shopping ok? if so, when? #ivchat NursingLink
Cpns can encourage a purchase for something you were not already
going to buy. Beware! #ivchat cilburke
@InfusionNurse Lists are good, for everyday shopping, but very
important to stay in your spending plan for holiday. #IVChat DrDeanBurke
good point RT @DrDeanBurke: @NursingLink FB fan pages, good
place for deals, if you have a specific need, dont get caught in hype!
#ivchat InfusionNurse

5. RT @cilburke: Cpns can encourage a purchase for something you
were not already going to buy. Beware! #IVchat IVchat
@Nursinglink @DrDeanBurke I started a few weeks ago, buying for
one person, each pay period. #ivchat JoyceHarrellRN
Blog post: http://wp.me/pNdnA-vc has link to a easy to use
list/spreadsheet template, so you can save and use next year!
#IVChat DrDeanBurke
With a list and the internet, you can comparison shop for
overstock.com #ivchat cilburke
RT @joyceharrellrn: @Nursinglink @DrDeanBurke I started a few
weeks ago, buying for one person, each pay period. #IVchat IVchat
@joyceharrellrn Thats a good idea. #IVchat nursingpins
@joyceharrellrn Good idea to spread out purchases-maybe even
layaway! #IVChat DrDeanBurke
@DrDeanBurke: Blog post: http://wp.me/pNdnA-vc has link to a easy
to use list/spreadsheet template, #ivchat JoyceHarrellRN
@nursingpins Thanks! #ivchat JoyceHarrellRN
RT @DrDeanBurke: Blog post: http://wp.me/pNdnA-vc has link to a
easy to use list/spreadsheet template, so you can saveuse next
year! #ivchat InfusionNurse
Good idea! RT @joyceharrellrn: @Nursinglink @DrDeanBurke I
started a few weeks ago, buying for one person, each pay period.
#ivchat NursingLink
@DrDeanBurke Finding layaway not so much. Kmart has it here.
#ivchat JoyceHarrellRN
Does anyone shop with a friend, to keep your spending in control?
#IVChat DrDeanBurke
I like to make my own cards. You may not save money with that
route. But can type a nice family update and send a picture. #ivchat JoyceHarrellRN
do u buy when not on sale? RT @JoyceHarrellRN: @Nursinglink
@DrDeanBurke started buying for one person, each pay period.
#ivchat mcvassociates
@mcvassociates ill hunt for coupons online first #ivchat NursingLink

6. @DrDeanBurke I think shopping with someone else would make me
spend more #ivchat joyceharrellrn
@mcvassociates I only buy when on sale. #ivchat JoyceHarrellRN
RT @joyceharrellrn: @DrDeanBurke I think shopping with someone
else would make me spend more #IVchat IVchat
Agreed! RT @joyceharrellrn: @DrDeanBurke I think shopping with
someone else would make me spend more #ivchat NursingLink
I like to send a card or note to family around holiday-agree doesnt
have to be fancy, #IVChat DrDeanBurke
shopping w/friends can also help u think of creative ways to save
money too though #ivchat NursingLink
my friends r bad w/ shopping 2 RT @joyceharrellrn: @DrDeanBurke
I think shopping with someone else would make me spend more
#ivchat InfusionNurse
@NursingLink Need to find frugal buddy to shop with... #IVChat DrDeanBurke
RT @DrDeanBurke: @NursingLink Need to find frugal buddy to
shop with... #ivchat JoyceHarrellRN
I like to send Fruit Cakes to people I'm not too fond of..smiling.
#IVchat nursingpins
RT @NursingLink: @mcvassociates ill hunt for coupons online first
#IVchat IVchat
@InfusionNurse LOL. Most friends are bad with shopping... They
can spend, and you get on the bandwagon. #ivchat JoyceHarrellRN
T2..coming up next from Dr. Burke #IVchat IVchat
T2- money problems, spending problems, debt-do any of you carry
balance on card, have trouble with spending-sounds like no?
#IVChat DrDeanBurke
LOL..RT @nursingpins: I like to send Fruit Cakes to people Im not
too fond of..smiling. #IVchat IVchat
I make soap. This makes nice but very appreciated gifts for people I
work with, etc. #ivchat JoyceHarrellRN
they still make those?? shld be banned!! RT @nursingpins: I like to
send Fruit Cakes to people Im not too fond of..smiling. #ivchat InfusionNurse

7. @nursingpins Vernon, vernon, vernon...re fruitcake:) #IVChat DrDeanBurke
check out http://www.retailmenot.com/ for online savings. sometimes
coupons are hit or miss though #ivchat NursingLink
RT @DrDeanBurke: @nursingpins Vernon, vernon, vernon...re
fruitcake:) LOL!!! #ivchat JoyceHarrellRN
LOL..RT @DrDeanBurke: @nursingpins Vernon, vernon, vernon...re
fruitcake:) #IVchat IVchat
RT @DrDeanBurke: T2- money problems, spending problems, debt-
do any of u carry balance on card, trouble w/ spending-sounds like
no? #IVchat IVchat
@InfusionNurse There is only about 25 left - I've had the same one
several times. #IVchat nursingpins
RT @NursingLink: check out http://www.retailmenot.com/ for online
savings. sometimes coupons are hit or miss though #IVchat IVchat
Making gifts, seriously can be a way to curb the budget... #ivchat JoyceHarrellRN
@joyceharrellrn ..where do u find the time? #ivchat InfusionNurse
turn off the computer and the tv #ivchat cilburke
RT @InfusionNurse: @joyceharrellrn .where do u find the time?(In
between working at hospital, working on my business,and
houseclean #ivchat JoyceHarrellRN
T2 Excessive debt, student loans? any still paying? #IVChat DrDeanBurke
credit cards: you need to put yourself into debt to establish credit.
BOO. #ivchat NursingLink
LOL...make gifts instead...RT @cilburke: turn off the computer and
the tv #ivchat MEDsyntrix
RT @DrDeanBurke: T2 Excessive debt, student loans? any still
paying? Yes. Working on paying debt off. #ivchat JoyceHarrellRN
@DrDeanBurke yes to student loans. #ivchat NursingLink
RT @NursingLink: credit cards: you need to put yourself into debt to
establish credit. BOO. My goal is to become totally debt free #ivchat JoyceHarrellRN

8. @joyceharrellrn can you ever be debt free tho? considering home
loans, etc. #ivchat NursingLink
RT @MEDsyntrix: LOL...make gifts instead...RT @cilburke: turn off
the computer and the tv (like this idea) #ivchat JoyceHarrellRN
T2 paid off student loan...but still short on $$$ #IVchat mcvassociates
maybe the stock market is the way to go. #ivchat NursingLink
@NursingLink Yes to Boo on "establishing credit" fact of life, have to
work within the system! whoo hoo to debt free! #IVChat DrDeanBurke
RT @NursingLink: @joyceharrellrn can you ever be debt free tho?
considering home loans, etc.(I think you can, working on it) #ivchat JoyceHarrellRN
RT @DrDeanBurke: @NursingLink Yes to Boo on "establishing
credit" fact of life, have to work within the system! whoo hoo debt
free! #IVchat IVchat
Anyone investing in Dinar??? #ivchat JoyceHarrellRN
Secret to debt free is establish money goals, and spending plan, and
be consistent with spending control! #IVChat DrDeanBurke
RT @NursingLink: maybe the stock market is the way to go.
(someone told me I needed to buy Dinar) #ivchat JoyceHarrellRN
RT @DrDeanBurke: Secret to debt free is establish money goals,
and spending plan, and be consistent with spending control! (agree)
#ivchat JoyceHarrellRN
RT @mcvassociates: T2 paid off student loan...but still short on $$$
congrats on student loan payoff! Great job! #IVChat DrDeanBurke
RT @DrDeanBurke: Secret to debt free is establish money goals,
and spending plan, and be consistent with spending control! #IVchat IVchat
RT @NursingLink: credit cards: you need to put yourself into debt to
establish credit. BOO. #ivchat motherjonesrn
Careful with stock tips-my experience is almost always a loser, LOL!
#IVChat DrDeanBurke

9. RT @nursingpins: I like to send Fruit Cakes to people I'm not too
fond of..smiling. #IVchat motherjonesrn
RT @motherjonesrn: RT @NursingLink: credit cards: you need to
put yourself into debt to establish credit. BOO. #IVchat IVchat
@nursinglink was trying to get caught up on NL, posts, and found
myself here... #ivchat JoyceHarrellRN
Dinar...the currency? #IVchat MEDsyntrix
T2 I found it is worth paying a tax attorney for ICT filling instead of a
chain. #IVchat nursingpins
@joyceharrellrn nice! #ivchat NursingLink
glad 2 c u here !! RT @joyceharrellrn: @nursinglink was trying to get
caught up on NL, posts, and found myself here... #IVchat IVchat
RT @MEDsyntrix: Dinar...the currency? Yes, someone last night told
me to invest in it... Sounds fishy... #ivchat JoyceHarrellRN
RT @DrDeanBurke: Careful with stock tips-my experience is almost
always a loser, LOL! #IVchat IVchat
RT @NursingLink: @joyceharrellrn nice! Hey whenever you want me
to submit my articles, let me know.... :) #ivchat JoyceHarrellRN
@nursingpins What is ICT? #IVChat DrDeanBurke
More budget tips from the FTC
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt082.shtm #ivchat NursingLink
@DrDeanBurke income tax #IVchat nursingpins
@joyceharrellrn send them to info@nursinglink.com! that's where i
can relay them to the editor for consideration :) #ivchat NursingLink
RT @NursingLink: More budget tips from the FTC
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt082.shtm #ivchat JoyceHarrellRN
RT @NursingLink: More budget tips from the FTC
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt082.shtm #ivchat mcvassociates
Good to know...RT @nursingpins: @DrDeanBurke income tax
#IVchat IVchat

10. @nursingpins agree,in general you get what you pay for with tax
preparers if complicated return, itemizing! #IVChat DrDeanBurke
T3 coming up next... #IVchat IVchat
@NursingLink I wrote the editor...They said they were interested, but
would get back to me... That was weeks ago... #ivchat JoyceHarrellRN
cost more $$$ RT @nursingpins: T2 I found it is worth paying a tax
attorney for ICT filling instead of a chain. #IVchat InfusionNurse
@joyceharrellrn hmm...I'll ask and DM you later this week. Sorry
about that! #ivchat NursingLink
RT @IVchat: glad 2 c u here !! RT @joyceharrellrn: @nursinglink
was trying to get caught up on NL, posts, and found myself here...
#ivchat JoyceHarrellRN
http://blog.themillionairenurse.com/2010/10/05/five-tips-to-establish-
credit/ link to suggestions #ivchat cilburke
interesting ..RT @JoyceHarrellRN: RT @MEDsyntrix: Dinar, the
currency? Yes, some1 told me to invest in it... Sounds fishy... #ivchat MEDsyntrix
@IVChat: Thanks and good to be here. #ivchat JoyceHarrellRN
@NursingLink Thanks! #ivchat JoyceHarrellRN
T3, retirement planning-do you have 403b, or 401k, and does
employer match? #IVChat DrDeanBurke
RT @DrDeanBurke: T3, retirement planning-do you have 403b, or
401k, and does employer match? #IVchat IVchat
yes on 401k..shld one have 403b? #ivchat InfusionNurse
@DrDeanBurke I don't know of a hospital that matches? - only have
rolled over self directed IRA's #IVchat nursingpins
have the match amount taken out in your 403b, otherwise losing free
money.. #IVChat DrDeanBurke
@nursingpins local hosp matches 3 percent #IVChat DrDeanBurke
@MEDsyntrix Cool. Just read your bio. I'm an oncology nurse, as
well as wellness coach. #IVChat joyceharrellrn

11. RT @DrDeanBurke: have the match amount taken out in your 403b,
otherwise losing free money.. #IVChat IVchat
RT @nursingpins: @DrDeanBurke I don't know of a hospital that
matches? - only have rolled over self directed IRA's #IVchat IVchat
if no match roll over to IRA can be way to go, more flexibility and
choices #IVChat DrDeanBurke
@DrDeanBurke Our hospital doesn't pay social security. There is
another thing they do, and match. #IVChat JoyceHarrellRN
RT @JoyceHarrellRN: @DrDeanBurke Our hospital doesn't pay
social security. There is another thing they do, and match. #IVChat IVchat
If you don't know if your facility matches in 403b or 401k, ask
tomorrow, how much? #IVChat DrDeanBurke
RT @DrDeanBurke: If you don't know if your facility matches in 403b
or 401k, ask tomorrow, how much? #IVChat IVchat
RT @InfusionNurse: yes on 401k..shld one have 403b? #ivchat IVchat
@joyceharrellrn Is facility religious institution owned, they can
sometimes opt out of social security.. #IVChat DrDeanBurke
@DrDeanBurke many nurses I know work PT and don't have much
of a retirement plan - what would you recommend? #IVchat nursingpins
@drdeanburke..anything we need to prep for end of year financial
stuff? #IVchat IVchat
@DrDeanBurke Our hospital is not a religious institution. #ivchat JoyceHarrellRN
RT @nursingpins: @DrDeanBurke many nurses I know work PT and
dont have much of a retirement plan - what would you recommend?
#IVchat IVchat
Can't usually have both 401k and 403b, mutually exclusive plans-a
almost identical in what they do. allw tax free retirment savings
#IVChat DrDeanBurke
@joyceharrellrn Not sure how they opt out of social security??
#IVChat DrDeanBurke
RT @IVchat: @drdeanburke..anything we need to prep for end of
year financial stuff?yes, if you had special first time home buyer
#IVChat DrDeanBurke

12. I personally am not relying on the hospital to bring my security.
#ivchat JoyceHarrellRN
that's not charitable...LOL RT @JoyceHarrellRN: @DrDeanBurke
Our hospital is not a religious institution. #ivchat InfusionNurse
@DrDeanBurke I can't remember the fund, but it is matched 100%,
and we can't get until retirement age. #ivchat JoyceHarrellRN
@IVchat or other tax credits, you need to plan for taxes on those
benefits. Look over your deductions for changes #IVChat DrDeanBurke
RT @joyceharrellrn: I personally am not relying on the hospital to
bring my security. #IVchat IVchat
RT @nursingpins: many nurses I know work PT and dont have much
of a retirement plan - what recommended? Roth or Traditional IRA
#IVChat DrDeanBurke
I have found that hospitals that have credit unions come in handy -
esp for larger purchases. #IVchat nursingpins
RT @IVchat: RT @joyceharrellrn: I personally am not relying on the
hospital to bring my security. Should rely on self-I try to help!
#IVChat DrDeanBurke
Time goes fast when having fun...before we end, any words of
wisdom? #IVchat IVchat
RT @nursingpins: I have found that hospitals that have credit unions
come in handy - esp for larger purchases. #IVchat IVchat
I am beginning an online course to help with money problems-see
blog post: http://wp.me/pNdnA-uw for details, opt in to get info.
#IVChat DrDeanBurke
RT @nursingpins: I have found that hospitals that have credit unions
come in handy - esp for larger purchases. Credit unions rock!
#IVChat DrDeanBurke
Wisdom? Just continuing to network, sharing ideas, making smart
decisions, investing wise, building up my own business... #ivchat JoyceHarrellRN
@DrDeanBurke: I am beginning an online course to help with money
problems-see blog post: http://wp.me/pNdnA-uw for details, #ivchat JoyceHarrellRN

13. Thanks for opportunity to meet with you guys-lots of fun and great
questions, will need to continue conversation soon! #IVChat DrDeanBurke
RT @IVchat: Time goes fast when having fun...before we end, any
words of wisdom? #IVchat IVchat
Fun chat! Thanks everyone! #ivchat NursingLink
Thanks @IVchat @DrDeanBurke and all - will check out
http://wp.me/pNdnA-uw #IVchat nursingpins
this has been a great chat...thanks so much @DrDeanBurke #IVchat MEDsyntrix
I think goal setting, and planning your spending are the two most
important steps to making progress with your money! #IVChat DrDeanBurke
RT @DrDeanBurke: Thanks for opportunity to meet with you guys-
lots of fun and great questions, will need continue conversation
soon! #IVchat IVchat
Next IV chat is on Nov. 23 at 8pm..thanks to everyone and
especially to @drdeanburke #IVchat IVchat
Thanks @nursinglink @nursingpins @DrDeanburke, @medsyntrix
@IVchat @wellnessnurses #ivchat JoyceHarrellRN
RT @DrDeanBurke: I think goal setting, planning your spending are
the two most important steps to making progress with your money!
#IVchat IVchat
Good night, great chat, good luck in the future with your #money!
#IVChat DrDeanBurke
thanks too! RT @joyceharrellrn: Thanks @nursinglink @nursingpins
@DrDeanburke, @medsyntrix @IVchat @wellnessnurses #IVchat IVchat
Goodnight everyone, thanks again for joining..till next
chat..remember..Money talks...so do nurses!!! #IVchat IVchat
Thanks Dr. Burke! RT @DrDeanBurke: Good night, great chat, good
luck in the future with your #money! #IVchat IVchat
IVchat is now on FB...go visit and like us...http://on.fb.me/bvTuqF
#IVchat IVchat
Next IVchat Nov. 23 8pm...mark your calendars... #IVchat IVchat

14. RT @NursingLink: More budget tips from the FTC
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt082.shtm #ivchat baerbelsmile
Great #IVchat w/@DrDeanBurke on Nurses & Money...thanks Dr.
Burke! Thanks to all who joined us tonight!! InfusionNurse
@IVchat Thanks for the follow. Had fun on the #IVChat tonight. JoyceHarrellRN
@InfusionNurse - OH man!!!! I had to run kids all over last night and
missed #IVChat - DRAT!!!!!!!! onlinenursing