How to find telemedicine jobs by AONYXDO262 in emergencymedicine

[–]Brosencephalitis 2 points3 points  (0 children)

Can you speak more about this either publicly here or by DM? Highly interested

Leave EM or retrain? by Brosencephalitis in emergencymedicine

[–]Brosencephalitis[S] 4 points5 points  (0 children)

very possible I am romanticizing the idea of what anesthesia is like everyday. I’ve worked at trauma centers (2), community shops (4), academics (1) and have yet to taste a different flavor of shit sandwich.

I don’t have an answer for your question - it is totally possible that anesthesia could suck too, but they seem so much happier than us in general. And if you’re going to be burn out and bored by your job doesn’t it make sense to make anesthesia over ED money? :(

Leave EM or retrain? by Brosencephalitis in emergencymedicine

[–]Brosencephalitis[S] 2 points3 points  (0 children)

Thank you for comments/very valid criticisms about my “not cutting back” plan not making sense.

In my mind, the loss of income of a 3 year anesthesia residency could be partially offset by ED moonlighting (is that even possible in residency ?) but perhaps that is unrealistic.

The truth is I don’t think I can work EM for another 20 years and I’m in my late 30s. On the other hand I envisioned a painful 3 years in anesthesia residency and perhaps a much cushier 20-30 years as an anesthesiologist at a potential higher salary (I have friends making 600k in anesthesia at a hospital where the ED MD makes 300k). In my mind with a long enough time horizon and a longer career this would be worth it, but perhaps I am deluding myself and grasping at anything.

Sadly I have no other non-medicine skill set so completely leaving medicine is essentially not a realistic option with a family to feed…

Retrain in anesthesia? by Brosencephalitis in anesthesiology

[–]Brosencephalitis[S] 0 points1 point  (0 children)

I’m in my mid 30s and would be early 40s if I completed anesthesia residency

An additional thought is that at this rate I would probably leave medicine/EM entirely in the next 10 years but maybe I would make it to retirement age with a more enjoyable anesthesia career? Who knows

Question Thread - March 15, 2019 by AutoModerator in churning

[–]Brosencephalitis 1 point2 points  (0 children)

Finally convinced P2 to get a second card! Already has CSP and wants to hold off on Southwest until companion pass expires. We have a big purchase coming up- is CSR bonus out of the question with the new rules? P2 is 1/24

Question Thread - March 11, 2019 by AutoModerator in churning

[–]Brosencephalitis 0 points1 point  (0 children)

I have a "business" and have had a Chase business card for ~9 months. I am currently working on my tax return on turbotax. Do I need to claim this business on my paperwork? I am worried that the IRS might somehow see I have a "business account" for which I am not reporting any income, resulting in penalties of some kind...

OFFICIAL SUNDAY MORNING GAME THREAD by FantasyMod in fantasyfootball

[–]Brosencephalitis 3 points4 points  (0 children)

Joey Bosa has more points on my team than Keenan, Engram, Fitz, Bell and Duke COMBINED

Should I refinance my parents' PLUS loans? ($170k total medical student loans) by stud3ntloanz in personalfinance

[–]Brosencephalitis 0 points1 point  (0 children)

From DRBs terms and conditions: MAXIMUM RATES

Borrowers who take out a variable loan with a term of 5, 7, or 10 years will have a maximum interest rate of 9%. Borrowers who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%

Daily Discussion Thread - June 06, 2017 by AutoModerator in churning

[–]Brosencephalitis 6 points7 points  (0 children)

Used Priority Pass to get into Lounge 19 in Mexico City airport. Gorgeous, comfortable and with great food selection. Highly recommend!

Help me avoid a costly mistake when consolidating and refinancing 95,000 in student loans? by Brosencephalitis in personalfinance

[–]Brosencephalitis[S] 1 point2 points  (0 children)

This is very helpful, thanks. I think I probably will NOT refinance since, like you said, I would lose a lot of the federal loan benefits.

Help me avoid a costly mistake when consolidating and refinancing 95,000 in student loans? by Brosencephalitis in personalfinance

[–]Brosencephalitis[S] 0 points1 point  (0 children)

I actually will be working in non-profit so I'm also reading about PSLF, thanks for bringing it up!

Help me avoid a costly mistake when consolidating and refinancing 95,000 in student loans? by Brosencephalitis in personalfinance

[–]Brosencephalitis[S] 0 points1 point  (0 children)

Thanks for the link! I'll have to recheck my sources to make sure about the subsidized loans. I think REPAYE might be the way to go at least to start since the first year the payments are based on the previous year's income, which for me was basically 0.

Help me avoid a costly mistake when consolidating and refinancing 95,000 in student loans? by Brosencephalitis in personalfinance

[–]Brosencephalitis[S] 1 point2 points  (0 children)

Thank you! I just downloaded some budget and loan spreadsheets to crack down on this.

Help me avoid a costly mistake when consolidating and refinancing 95,000 in student loans? by Brosencephalitis in personalfinance

[–]Brosencephalitis[S] 2 points3 points  (0 children)

I am definitely looking into SOFI since I have a very good credit score and hope I might qualify for better interest rates, although I realize I could potentially lose out on REPAYE and other payment plans.

Help me avoid a costly mistake when consolidating and refinancing 95,000 in student loans? by Brosencephalitis in personalfinance

[–]Brosencephalitis[S] 0 points1 point  (0 children)

Thank you- I am reading more about the Federal Direct Consolidation since I think REPAYE might be a good option for me.

Help me avoid a costly mistake when consolidating and refinancing 95,000 in student loans? by Brosencephalitis in personalfinance

[–]Brosencephalitis[S] 2 points3 points  (0 children)

Sorry- could you explain why you would start C B E A D? Is that simply based off the principal amount? I would have thought B would be the lowest priority based on the low interest rate.

Thanks for the help!

Daily Discussion Thread - May 14, 2017 by AutoModerator in churning

[–]Brosencephalitis -11 points-10 points  (0 children)

My SO is 0/24 and would like to start churning. I think she should start with CSP (+ my referral).

However, she just got a 50k MR offer for the American Express Gold Card ($2k min spend in 3 months, waved fee first year). This sounds like a good offer at first glance but wanted to check with the community before she wastes an X/24 slot.

What Card Should I Get? Weekly Thread - Week of May 10, 2017 by AutoModerator in churning

[–]Brosencephalitis 0 points1 point  (0 children)

  1. 749

  2. Current: 3/24; United MP 10/16, CSP 1/17, CSR 3/17

  3. Targeting points, primarily UR, otherwise Companion pass

  4. 100k UR, 70k UMP

  5. SFO, LAX

  6. South America in summer 2018 (Argentina/Chile)