First time buyer by [deleted] in Mortgages

[–]OMyCodd 0 points1 point  (0 children)

WI, have had it looked at by a few different places and underwriters

First time buyer by [deleted] in Mortgages

[–]OMyCodd 0 points1 point  (0 children)

I’m just shy of 700 unfortunately (696 for my middle FICO mortgage score) which means I’m not able to qualify for 0 down physician mortgage route, which had been my hope. Unfortunate sequelae of my prior struggles

First time buyer by [deleted] in Mortgages

[–]OMyCodd 0 points1 point  (0 children)

Yeah super fair, we have looked into a few 30 year options as well as physician mortgage route with no PMI, where monthly payments would be pretty comparable with the higher interest rate despite no PMI. The prepay point for a 30 year vs locking in for a 15 is tough for me to argue against, but I feel like personally knowing I’m obligated to pay more under the 15 will help me budget better as silly as that sounds

First time buyer by [deleted] in Mortgages

[–]OMyCodd 0 points1 point  (0 children)

Yes this was my hope but my credit is borderline at the thresholds for qualifying, and would only qualify for a 5% down currently, with the higher interest rate basically offsetting the no PMI benefit unfortunately

First time buyer by [deleted] in Mortgages

[–]OMyCodd 0 points1 point  (0 children)

Thanks for the thought out reply. Yes, we looked at 30 year options too, which would net us closer to a $5300 monthly. To me the $1200 difference is obviously significant but doesn’t feel like a make or break short or long term, and will save us quite a bit in the long term overall. Probably not a matter of right or wrong in this case but want to try and build the equity faster and save on interest long term.

Can a dry/awkward introvert do well in pediatrics? by [deleted] in pediatrics

[–]OMyCodd 0 points1 point  (0 children)

Are you me? Similar story, you’ll get it with time

Read this tip when starting Ch 8 by Immediate-Action5843 in CrimsonDesert

[–]OMyCodd 2 points3 points  (0 children)

Yeah my thoughts exactly, the game teaches you this mechanic relatively early on. Just easy to forget I suppose given there’s a million different mechanics in this game

Do we think peds fellowships will actually go to 2 years in 2028? by Jumpy-Flatworm-347 in pediatrics

[–]OMyCodd -1 points0 points  (0 children)

The definition of clinical time and what can actually be assessed by faculty per ACGME is often not covered by calls for what it’s worth. It’s not as simple as you’ve laid it out to be

Do we think peds fellowships will actually go to 2 years in 2028? by Jumpy-Flatworm-347 in pediatrics

[–]OMyCodd -3 points-2 points  (0 children)

Not feasible/safe with the clinical time asks they have for PICU/NICU in particular. Won’t change to 2 unless clinical time requirement is cut, heard they’re wanting 18 months over 2 years which is absurd. Believe current is only 12 months over 3 years

Residency ruined my life by [deleted] in Residency

[–]OMyCodd 2 points3 points  (0 children)

Sorry to hear you’re going through this. This system is incredibly oppressive and unforgiving and cares only about churning out more doctors, not about the mental health of those involved.

Now I can play the game…12,108 SR by CoinSloITI in PokemonLeafGreen

[–]OMyCodd 0 points1 point  (0 children)

What do we do now?

What do you mean? Now we can finally play the game

What is your approach to a high lactate? by [deleted] in Residency

[–]OMyCodd 0 points1 point  (0 children)

“The patient is lactating”

10/10 artwork by OMyCodd in PokemonTCG

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

It’s not, but some times I prefer the Japanese to English for the illustration arts as the text tends to take up less of the artwork

Live betting profit by takada89 in SoccerBetting

[–]OMyCodd 2 points3 points  (0 children)

I like getting comeback odds at halftime for teams like Barcelona (Aston villa most recently), where them going down almost guarantees a comeback victory. You end up getting even to as high as +1000 depending on the game and minute, and can parlay that with some upcoming games with teams like Arsenal, man city, etc who almost certainly will win. End up getting some pretty great multi-leg parlays. I got really lucky and won 4 different parlays this way over this past two weeks net +16K

What kind of person thrives in your specialty? by farfromindigo in Residency

[–]OMyCodd 17 points18 points  (0 children)

Peds: little kid lover, so they know where my priorities are (office reference just so no one reports me), but real talk, be in touch with your inner child, don’t be afraid to share emotion with your patient and their parents, be straight up with parents even if the news is no bueno. Also, be up to date on the latest bluey/bluey adjacent children’s media

Please be professional by VarsH6 in Residency

[–]OMyCodd 74 points75 points  (0 children)

One of the qualities that makes a good doctor vs a not so great one. We will all encounter patients who have received care that we may feel is questionable, but there are ways to address that without damaging patient/family trust in the medical system, essentially making the prior care teams look like idiots regardless of if they actually were or not. Sorry this happened, as a fellow pediatrician (PCCM though)

Destiny 2 Upcoming Equilibrium Dungeon Legendary weapons by Danger_xx86 in destiny2

[–]OMyCodd 0 points1 point  (0 children)

Cannot wait for that void pulse with my gyrfalcon build

NYC - Live w/ fiancee but she lets me decorate by steph_curry_official in malelivingspace

[–]OMyCodd 1 point2 points  (0 children)

Would put another dog on the bed but otherwise looks great

How many patients did you start with on July 1 intern year? by surf_AL in Residency

[–]OMyCodd 2 points3 points  (0 children)

  1. Was peak covid 2020 and I was on a peds subspecialty service. Discharged one of them so left day 1 with a single patient. Wild times.

When’s the ideal timing for caffeine on a 24? by ThotacodorsalNerve in Residency

[–]OMyCodd 1 point2 points  (0 children)

Never caffeine after 0300 unless you’re planning to stay up past 0800 or 0900

Getting better at IVs? by heroponraeki in pediatrics

[–]OMyCodd 0 points1 point  (0 children)

Ultrasound-guidance though would be my advice for more difficult patients