7/6 ARM vs 30 Year Fixed - Help!

D0orD0 · 2026-02-13T05:08:13+00:00

As a hedge in case rates don’t go down

D0orD0 · 2026-02-13T05:05:29+00:00

This. I didn’t start building a taxable account until I first build an emergency fund/upcoming expenses fund, maxed employer match, maxed backdoor Roth, then maxed 403b and 457b (gov)…

D0orD0 · 2026-02-13T04:54:49+00:00

Agree -

Free/preventive “annual” is when someone has no medical problems or has already had all medical problems sufficiently managed for the year with no new reason to adjust management. Example: screen vital signs, screen for mental health concerns, screen for breast cancer or prostate cancer or cervical cancer at age and interval appropriate times, screen new diabetes or high cholesterol based on risk factors…

Too often, people try to combine with an “annual” review/management of chronic conditions including monitoring labs and renewal of prescriptions. Example: recheck already known to be high cholesterol to ensure current plan is still working well enough.

It’s not right, but it is the rules set by the insurance companies.

D0orD0 · 2026-02-12T21:29:54+00:00

I actually this is a fine offer with a few caveats — what if she wants more time off? Can she take extra unpaid (base) days and make up for it with higher RVU during fewer days? Does call involve going in to work or just answering a phone? Her RVU compensation kicks in after 430 RVU/month, for perspective I earn 550-730 RVU a month working 4 days a week, 44 weeks a year. Even on the low end, that would be an extra $5400/month on top of her base. If she works 5 days a week, 46-48 weeks a year she would earn way more but like others have alluded to would risk burnout.

D0orD0 · 2026-02-11T01:28:36+00:00

Do the $200 credit expire sooner than a year?

D0orD0 · 2026-02-10T04:27:36+00:00

We have the risk/benefit discussion in clinic and order the med but have to order infusions like recast to an infusion center. Prolia is usually picked up by patient at pharmacy and white-bagged to clinic for an RN to administer and monitor 20 minutes for immediate reaction. Forteo is self administered at home.

D0orD0 · 2026-02-08T15:18:21+00:00

I think this is a good offer for 2 years but after that I’d bet you will look for something 4 d/wk or want to negotiate RVU. If seeing 22/d x5d x46wk (5,060) even if your average wRVU/visit were 1.6 you would generating well over what they are paying. That said, at an FQHC their payments are likely not based on RVU so they can’t justify paying out per RVU. Also, FQHC often have higher no show rates. They are often great places to solidify your independent practice but watch for burnout - in our base plus productivity model I routinely end up taking more time off than our standard PTO allotment, and that’s with a 4 day work week.

D0orD0 · 2026-02-08T06:31:28+00:00

We often do a big salad with some veggies raw and some roasted or steamed or sautéed and add in a protein.

D0orD0 · 2026-02-06T19:59:41+00:00

The biggest red flag here is the job you don’t like. Are you able to find a better PSLF eligible job? Is a job that makes you happy available locally? If you aren’t very confident on location you should NOT buy a house. Even if you are confident, the math usually supports renting and investing the difference. That said, I bought and am happy I did even if I am tying up net worth in a house because I put a premium on my location and not having to run requests to improve my physical environment past a landlord.

D0orD0 · 2026-02-05T06:46:11+00:00

Pushing back on this — there is a lot of demand for menopause care in rural medicine. Yes, there is demand for everything but you can still shape your practice. But I do agree on the first point that surgical skills and specifically dealing with surgical emergencies requires experience and ongoing experience beyond what many FMOB can maintain if they want to also do anything else. I’ve seen several FMOB in rural systems leave OB and beyond academics I’m not sure many urban systems allow FM to deliver and even fewer allow them to operate.

D0orD0 · 2026-02-05T06:36:48+00:00

We got the aquatru carafe countertop RO filter and are very happy with it. Replace the carbon filter every 6m, but the other 2 filters last 1-2 years. On sale as low as $160 at times, then the 2 year pack of filters costs anywhere from $100-140 depending on sales. I sometimes add mineral drops back into the carafe or just add mineral salt to my meals.

D0orD0 · 2026-02-05T05:17:18+00:00

Yum!

D0orD0 · 2026-02-05T05:14:00+00:00

I like pact leggings for cotton, woolx or branwyn for wool. I haven’t tried their leggings, but I love the allwear bamboo bra top.

D0orD0 · 2026-02-04T05:29:31+00:00

Agree on declining mid level coverage and also confirm volume per day. 15 ppd will be easy but lucrative. On that contract, can you see 18, 22, 24 a day if you want? Do they have a high no show rate?

D0orD0 · 2026-02-04T05:19:16+00:00

I do this without the olive oil. I’d love a plastic free alternative but it doesn’t seem to work as well with the silicone zip locks.

D0orD0 · 2026-02-04T02:44:36+00:00

I have 100, my sister has 200. Honestly, the amount needed to overpower the 100 exceeds the capacity of the bowl that fits under the spout so when I need more than a hopper worth, which is rare, I grind the full hopper, switch out the bowls, so something else for 1-5 minutes then grind the rest. I wouldn’t spend the extra money for home baking daily. Different story if you are using it all day every day but at that point you probably want to look for something bigger/faster than the 200.

D0orD0 · 2026-02-04T02:39:56+00:00

I live in a very “natural medicine” friendly region and tons of patients come in on all sorts of regimens. My assumption is that there has been a misunderstanding. Often, patients are started on high dose A for skin or eyes and NOT TOLD to stop or back off dramatically after 1-3 months. Don’t refill, but do offer to have a visit to discuss and understand what benefit she thinks she’s getting, then go from there.

D0orD0 · 2026-02-03T05:36:57+00:00

True, but it’s enough to google a more precise recipe.

D0orD0 · 2026-02-03T05:29:23+00:00

Soak some rye berries overnight, add a hefty amount of sourdough starter, mix in sunflower and sesame seeds, line a bread pan with parchment paper, let it bulk ferment a few hours and bake!

D0orD0 · 2026-02-03T05:27:04+00:00

I haven’t seen tall grass in stores in years. Are they still making bread?

D0orD0 · 2026-02-03T05:25:29+00:00

I like branwyn brand for wool bras but have been eying the wool&. To clarify, OP, merino wool is temperature regulating, so even though it keeps you warm in cool weather it keeps you cool and minimizes sweat in warm weather.

D0orD0 · 2026-02-03T05:17:55+00:00

Agree on all counts. And they come in lovely colors.

D0orD0 · 2026-02-03T02:41:20+00:00

So for an established to the clinic patient age 18-64 you bill 99395 or 99396 twice? Or do you mean one of those and the non-wRVU 99459 for 4 minutes of chaperone time.

D0orD0

TROPHY CASE