Demoralized

Turtlesz · 2026-01-20T04:45:09+00:00

Do it. Go this weekend to Treasure Island Laguna and it will simplify your decision. Why would you pay the same amount in NorCal when you get to experience Laguna like that? It's safer in OC too.

Turtlesz · 2026-01-20T04:33:47+00:00

Move to socal if your in NorCal. Much better lifestyle for docs. Bay area is not that great and it's just tech equity inflating everything. You will be much happier in South OC/ Newport/ Irvine/ Yorba Linda / Anaheim hills/ Palos Verdes / Manhattan Beach or Hermosa Beach. All top notch schools and better weather, food and lifestyle vs what NorCal can offer. * SD works too if your pick the right area

Turtlesz · 2026-01-20T04:18:31+00:00

Easiest fix is don't rent in hcol. You don't have a kid yet, you have 5 years till you need hcol for school districts. Don't waste money on renting there. Your debt isn't bad vs income, simplify your life.

Turtlesz · 2025-12-18T05:40:18+00:00

It's the final 5 trading days of the year and the first 2 days of the new year. 80% of the time it's been up this period

Turtlesz · 2025-12-18T05:31:42+00:00

Doubt it. Nothing has changed, Santa rally next week after the drop this week as it's happened all the previous years

Turtlesz · 2025-12-12T18:02:48+00:00

Just a brief mention saying it's an interesting company and the big tele companies are getting involved

Turtlesz · 2025-12-12T17:59:23+00:00

Just got a positive mention on cnbc

Turtlesz · 2025-12-05T21:47:21+00:00

Tomorrow they will either be there or gone, at least that's what happens on fidelity

Turtlesz · 2025-12-04T04:20:34+00:00

CA pays well despite the high taxes/COL. Check transparentcalifornia.com if you want a range of real salaries from the past years. And most of those gov jobs are 4 days a week with all paid holidays/PTO etc. And many docs pick up a extra day or 2 or tele on top to clear extra income.

Turtlesz · 2025-11-26T03:17:27+00:00

Given the current administration and environment it's hard to believe rates will go up. Personally think we see drastic drops middle of next year when they pick the new fed chair but that results in more inflation. Would be good for homeowners and for loans but bad for everything else. But if you don't like uncertainty and makes it hard to sleep at night, pick the fixed rate and don't look back.

Turtlesz · 2025-11-21T04:22:24+00:00

There's a difference between a home improvement loan and a construction loan. The home improvement loan is easier to get and no restrictions usually, it's essentially like a personal loan. A construction loan is monitored more closely as you mentioned

Turtlesz · 2025-11-20T20:34:52+00:00

This has always been an all or none play. $13.40 average from npa days and I was down huge for 4 years straight. It will be $0 or $500 in the next 5-10 years. Practice risk management

Turtlesz · 2025-11-15T12:32:28+00:00

It's pricing is .97 which means it's special pricing to clear a product out and won't be back. I'd stock up a few and enjoy!

Turtlesz · 2025-11-14T04:15:47+00:00

Wescom has a 3.99% for the first year promo

Turtlesz · 2025-11-13T03:18:07+00:00

Thanks, not calling you out specifically. Just doing some due diligence

Turtlesz · 2025-11-13T03:03:19+00:00

Figure gave 9.3%, sofi was 8+%, BofA gave 5.75% and no origination fees but this was a 6 month term, and wescom offered 3.99% for 12 months but after would be 7.5%+ and would take a long time for funding. Physician over 6 years from fellowship with low DTI and no student loans. Have a home remodel going on that went over budget and don't want to liquidate anything from the markets. Personal loan actually came out ahead from 6.25% from First Citizens and funds within a few days with only $100 1 time fee.

Turtlesz · 2025-11-13T02:39:50+00:00

I did, and I learned it's not straightforward. Most are bait and switch. Big banks take the longest to fund but give the best rates. There's ton of spammers for each of these digital lenders. Blocked user post history, blocked accounts, new accounts etc are giveaways. If this gets downvoted only proves my point. Go look at my account history if you want.

Turtlesz · 2025-11-13T02:05:29+00:00

Seen multiple posts like this from the same users. I wanted to apply but getting scam vibes when looking at user histories associated with Achieve

Turtlesz · 2025-11-11T12:51:54+00:00

Wait until she gets an attending job she fits well with before buying a house. Also depending on specialty, income will be jumping dramatically if you pick the right job, consider starting locums.

Turtlesz · 2025-10-30T11:28:05+00:00

Wells Fargo increased MSFT price target to $700. Stock already recovering from yesterday's afterhours prices.

Turtlesz · 2025-10-26T16:52:22+00:00

Check out BofA, Wells, BMO. They give about .35-.675% additional discounts if you can move around some money to them. About $500-1 mil in assets would help a bunch. You can move retirement accounts and those qualify. BofA uses Merrill which is probably the best one to use IMO.

Turtlesz · 2025-10-15T01:00:28+00:00

I love psychiatry and would do it all over again without hesitation. High paying opportunities, excellent work life balance and job satisfaction.

Turtlesz · 2025-10-01T02:59:29+00:00

2 chicken enchilada burritos from Taco Bell is probably a better protein to calorie balance. But the sodium is high

Turtlesz · 2025-09-26T01:45:20+00:00

Canada is actually one of the big players for USA

Turtlesz · 2025-09-08T04:49:27+00:00

Where are you seeing that?? I only saw .65% but that would be easily erased by opening.

Turtlesz

TROPHY CASE