an undone calm

When people I know personally (from situations outside of work or veterinary school) complain about their veterinary bills, it’s hard for me not to take it as a personal offense. I was thinking about that on Friday as I was walking home from a bar where I’d met up with some college friends. [...]

Not that it matters much because I have no hope of ever being able to afford real estate or a car in Manhattan, but I pride myself on having excellent credit. As such, I was surprised to find out that each store credit card you open knocks 20 points off your credit score. [...]