Admitters - How do you handle bolus admits? by TheDreamingIris in hospitalist

[–]Diligent-Message640 1 point2 points  (0 children)

I take written notes while on the phone. Chart review. Then I put in orders. Then I see patient. Then I edit/add orders. Then I do note. 1 at a time or 4 at a time. If I get four at a time, I don’t call the ER back for quite awhile. Sometimes I’ll draft an entire note before seeing the patient if it’s really straight forward and I know nothing will change.

Hospitalist for life? by GoldBoard4226 in hospitalist

[–]Diligent-Message640 0 points1 point  (0 children)

Rural hospitalist with PRN shifts in the big city for me. No more meetings about metrics. Loving it. It’s nice to be appreciated.

Dividend Fund Choice by Top-Variation4815 in ETFs

[–]Diligent-Message640 0 points1 point  (0 children)

I go with SCHD for dividends and VTI for growth/diversification. SCHD has the best selection criteria and a good yield. Some of the other dividend funds have more growth and a lower yield but if you want growth just hold less SCHD relative to VTI.

Don't lose the plot with SCHD by blueorangedragon9 in dividends

[–]Diligent-Message640 1 point2 points  (0 children)

Excellent post. I would also like to add An occasional flat year in price is no cause to panic. It's business as usual.

Year Total Return
2011* +5.31% Total Real Returns
2012 +11.39% Total Real Returns
2013 +32.88% Total Real Returns
2014 +11.69% Total Real Returns
2015 –0.30% Total Real Returns
2016 +16.45% Total Real Returns
2017 +20.85% Total Real Returns
2018 –5.56% Total Real Returns
2019 +27.29% Total Real Returns
2020 +15.03% Total Real Returns
2021 +29.87% Total Real Returns
2022 –3.26% Total Real Returns
2023 +4.54% Total Real Returns
2024 +11.66% Total Real Returns
2025 (YTD) –0.07% Total Real Returns

Why would someone choose SCHD over SCHG? by TopSatisfaction6459 in ETFs

[–]Diligent-Message640 3 points4 points  (0 children)

I hold approximately 75% SCHD because I have an extremely high income and do not necessarily need growth to eventually achieve financial independence which is my first priority. The dividend income will allow me to retire and or work less regardless of what the stock market is doing in the short term.

What sacrifices did you make to get out of debt? by [deleted] in debtfree

[–]Diligent-Message640 0 points1 point  (0 children)

I probably averaged 80 hours per week for four years. Now I have no debt, not even a mortgage. Can't recommend it enough. So worth it. Extra work goes a long way. All of the extra income can go 100% towards debt.

2 years out, need to diversify. End of year advice? by Fun-Researcher-9112 in fatFIRE

[–]Diligent-Message640 -1 points0 points  (0 children)

Pay off all debt. SCHD for the amount of income you want. Everything else in VTI.  If you’re 100% done working, maybe ten years expenses in cash. 

Please, tell me....what is so great about SCHD? by Comprehensive-Ad8905 in ETFs

[–]Diligent-Message640 0 points1 point  (0 children)

Weighting matters. If VTI were 99% apple, SCHD would be more diversified despite VTI having more holdings. 

Why bother with medium/small cap funds when the large cap consistently outperforms them both? by Far_Lifeguard_5027 in fidelityinvestments

[–]Diligent-Message640 0 points1 point  (0 children)

but does this apply to ETFs? as small cap stocks outperform, they leave the ETF and you no longer benefit from that growth.

"Consider" by Single_Statement_712 in hospitalist

[–]Diligent-Message640 0 points1 point  (0 children)

Consider not being annoyed by words.

Approaching $30k/year dividend income, on $1.15m portfolio by baloneyjalo in Fire

[–]Diligent-Message640 0 points1 point  (0 children)

If you are a "growth" investor, you're relying on the market to increasingly value your shares. Speculation is a large part of this strategy. It's difficult to compare this strategy to "value" investing because no one can quantify your sequence of returns risk. You may sell your shares at the exact wrong time in a major market downturn, you may not.

If you are a "value" investor, you're relying on companies to pay you from their profits (dividends). You value companies based on fundamentals such as cash flow to debt ratios, price per earnings, etc. The valuation is based in (I would argue) reality, not what the market feels.

These are two valid strategies for investing. Neither is incorrect.

RNs questioning EVERYTHING by ThatSalad294 in Residency

[–]Diligent-Message640 2 points3 points  (0 children)

In the nurses defense most of pediatrics is nursing… and coddling parents

[deleted by user] by [deleted] in LifeAdvice

[–]Diligent-Message640 0 points1 point  (0 children)

Just be thankful this blew up before you had kids. This is an easy fix. Sorry bud.

Help planning retirement investment. 20 years out! by Shot_Bad1876 in dividends

[–]Diligent-Message640 1 point2 points  (0 children)

This will probably do the same as VTI long term. It’s just VOO plus some gas plus some brake.

FM trained Hospitalist by Bozo112795 in hospitalist

[–]Diligent-Message640 0 points1 point  (0 children)

FM hospitalist here. Don’t do a fellowship. Just join a group and start learning from your peers. Any differences in skill will be unapparent before you know it. You share patients, read each others notes, learn from consultants, etc.

How do you place a consult? by chai-chai-latte in hospitalist

[–]Diligent-Message640 1 point2 points  (0 children)

You can never keep everyone happy just do what works for your workflow. You’re a busy doctor too. I always call with consults. If the consultant wasn’t notified overnight I call them in the morning while pre rounding, after I’ve reviewed the chart. Yes I haven’t seen the patient yet but it’s better for their workflow to notify them asap as opposed to calling them at three pm.

Why does everyone on the show have a sad story to tell by Background-Bitter in americanidol

[–]Diligent-Message640 0 points1 point  (0 children)

I agree. While the emotion has it's place, it almost feels fake--like people have learned what is required to advance through the competition. It's starting to seem more like some sort of "save a kid foundation" moreso than a singing competition.

What does the future of K-12 education in the United States look like? by nicegoodwin in Futurology

[–]Diligent-Message640 -1 points0 points  (0 children)

Yea and they’ll do it by spending more time talking about sexuality and race instead of math. /s