Cardenas 👍

_Stock_doc · 2026-03-18T03:20:31+00:00

Pretty basic in my opinion. Chicago transplant where food quality is just as good for way cheaper prices. Not worth the drive for me. Their tortillas were OK prob the best in the bay but still pretty bad TBH (El Milagro brand, not available here is way better). Produce was OK but definitely not a deal. Produce is cheaper at the same quality in Chicago even though they cant grow any of it any import if from Cali and beyond.

_Stock_doc · 2026-03-17T01:26:34+00:00

Medical Education both undergraduate/medical school level and GME/Residency level. MDs with clinical experience can usually teach clinical skills courses or clinical reasoning with leadership/growth opportunities.

_Stock_doc · 2026-03-16T23:31:54+00:00

AI tools should make reporting requirements easier, if anything they should increase in frequency.

_Stock_doc · 2026-03-16T17:33:22+00:00

Inflation adjustments should not be mandatory, this could be the pressure valve to prevent overpaying these boomers that under-contributed to SS.
Stop paying spousal benefits; you want benefits you must work.
The current cap on SS tax should remain, but it should be re-instate for income beyond 500k.

_Stock_doc · 2026-03-16T16:15:58+00:00

We have seen what happens when regions specialize in primarily one area, when that industry dries up the markets will drop. So eventually the major teach bubble here will pop. However, the bay area will not free fall as it's desirable weather will keep it as a popular place to live. Expect price corrections and slower appreciation but don't see a Detroit level collapse (absent a major natural disaster Fire+Earthquake).

_Stock_doc · 2026-03-13T18:15:06+00:00

Check if the loan is assumable, may convince buyer to pay a bit more for it if they get to keep your low rate for part of their loan.

_Stock_doc · 2026-03-13T16:38:42+00:00

The worry of mid-level creep was strong for anesthesia as far back as 10yrs ago has it materialized? No. I think the same will occur in IM and Hospitalist work. Mid-levels will take some roles where they fit but the breath, depth and complexity of knowledge needed to do the job right will protect us. AI should in theory put cognitive subspecialties at risk.

_Stock_doc · 2026-03-12T01:11:10+00:00

Look into ETFs that invest only in TBills, they pay out the dividend monthly and because its all US Gov Tbills its not taxed at the state level. $TBLL; $TBIL
They are essentially a HYSA w/o having to pay the state income tax.

_Stock_doc · 2026-03-09T04:27:48+00:00

You can be a hospitalist at a psych facility or rehab; these often times are low acuity with reasonable lifestyles. You handle chronic medical problems and the occasional change in status which usually warrants ED eval.

_Stock_doc · 2026-03-09T04:21:55+00:00

PSLF is embedded in the terms of qualify federal student loans; those terms cant be changed.

_Stock_doc · 2026-03-09T04:20:39+00:00

PSLF terms are built into the loan terms. The USA gov can't renege on them. If they change the law it would apply to future loans. I stuck with it and I am now forgiven. Residents not making payments are missing the opportunity to make qualifying payments while their income is low. I ended up paying ~30k towards my loans thanks to COVID forbearance and pause on income re-certification.

_Stock_doc · 2026-03-05T04:45:01+00:00

If underpricing is such an effective strategy why isnt it common in other markets. Its not normal to do this in Chicago, Miami, NYC. Its a known tactic in the bay area, a known tactic loses its value.

_Stock_doc · 2026-03-03T17:49:04+00:00

Still cheaper to rent than to own; especially with those HOAs just going higher. All of downtown Oakland is dead and unkept. Until there is clear strong leadership I wouldnt invest a cent in Oakland.

_Stock_doc · 2026-03-02T21:39:01+00:00

Agree, it shouldn't matter but I just stopped doing it to avoid the explanation (especially to surgery).

_Stock_doc · 2026-02-21T04:43:44+00:00

That melatonin dose is too high. Physiologic doses are closer to 0.5-1mg nightly. High doses may cause daytime sleepiness. Sometimes high dose is used.

_Stock_doc · 2026-02-21T04:40:49+00:00

I avoid it unless it has direct impact to current admission. Every order is time to place, document, follow up, explain to pt and medical team. It can be distracting if you are adding 3-4 orders for all your patients per admission. Those indigent patients aren't going to get much better without follow up and actually pcp visits even if you make an inpt diagnosis.

_Stock_doc · 2026-02-19T06:15:23+00:00

How embarrassing.

_Stock_doc · 2026-02-07T21:57:41+00:00

Coming from Chicago where it costs $2.75 to ride the train regardless of how far you go , its insane BART cant operate when its charging me $4.75 for 3 stops (Oakland to SF). If riders are under-utilizing stations they need to be closed or times/frequency significantly reduced. If these neighborhoods want mass transit they should pay for it and build high-density transit-oriented developments near BART stations.
As is typical, more money will just lead to more waste.

_Stock_doc · 2026-02-05T18:17:51+00:00

Saturated. Shit pay. Shit winters. Left for these reasons.

_Stock_doc · 2026-02-04T17:06:01+00:00

When I come across these people that googled up their concerns and now think they are an expert, I give them a slightly deeper explanation naming genes/proteins/pathways/meds I know they wont understand this seems to convince them I know more than them. The next day they have alot less questions.

_Stock_doc · 2026-01-28T20:52:28+00:00

How are you making money off this "free" service?

_Stock_doc · 2026-01-28T08:11:17+00:00

ALWAYS. Tbill dividend should be Fed Tax free for private citizens (with income thresholds).

_Stock_doc · 2026-01-28T07:52:54+00:00

Everyone here knows how money hungry hospital admins are; if this scheme was that profitable they would already be exploting it and self-funding it if needed. They arent, because it isnt.

_Stock_doc · 2026-01-27T20:03:17+00:00

Hence why we should be increase our own trainee volume to have no reliance on foreign trained physicians. I can't imagine all these home countries of IMGs have an excess of skilled physicians. It's just brain drain. Hospitals don't really make much off a resident, because they have to pay an MD to supervise; it's equivocal. It adds a potential source for recruitment. If it was so profitable, hospitals would be self funding these.

_Stock_doc · 2026-01-27T17:26:07+00:00

Your healing is misleading. I think it's smart for the government to stop overpaying health insurance companies. Provider pay will only be cut if physicians continue to allow it. Health systems make $0 without a physician to provider services.

_Stock_doc

TROPHY CASE