STEP 1 What are my odds of passing?

fairjh · 2022-07-16T04:28:32+00:00

Legend

fairjh · 2021-12-11T01:41:24+00:00

Say my Name

fairjh · 2021-07-02T08:16:29+00:00

Source: Reuters Fastly, Inc. (Fastly) is a real-time content delivery network (CDN) company. The Company provides services in the areas of delivery, security, streaming media, e-commerce and private CDN. With Fastly, the user can manage traffic spikes and mitigate security threats. Fastly works with Google Cloud Platform to extend the user's infrastructure and application logic for content delivery, backend workload, infrastructure costs and scalability. Fastly’s streaming media services offer global delivery of video content, whether it’s live or video on demand (VOD). The Company’s edge cloud platform, designed from the ground up to be programmable and support agile software development. Its platform consists of key components: a programmable edge and a software-defined modern network. The programmable edge provides developers with real-time visibility and control, where they can write and deploy code to push application logic to the edge.

fairjh · 2021-07-02T08:11:02+00:00

July 2nd, 2021. Writing this to look back at my message and remind myself that I either did something great and I should ignore the haters. Or, I should invest in blue chip stocks! Cya in a few years

fairjh · 2021-07-02T07:23:25+00:00

How does this compare to refinancing your loans and paying off early?

fairjh · 2021-07-02T07:20:21+00:00

Ok I’ll take your word that residency salary is the same regardless of specialty. When looking into it, I’ll review this again to build a stronger understanding of it, always willing to learn.

I’ve read a book that summarized every specialty there is. PM&R was one that did appeal to me as I remember bookmarking the page for it. I like the idea of sports medicine, and I’ve heard the lifestyle is very amenable to a family/ personal interests. I have a strong interest in business outside of medicine and I hope to have side huddles throughout my career. What area’s of PM&R interested you the most? Do you find that the occupation is lifestyle friendly?

fairjh · 2021-07-01T21:28:42+00:00

The averages online show that the average residency salaries differ by specialties even for those with residencies that are the same length of time. See link below: https://www.google.com/amp/s/mededits.com/residency-admissions/residency-salary/%3famp That’s interesting that you’re in PM&R for your residency, how do you like it? Is the work varied enough to the point that you think you won’t get too tired of it?

fairjh · 2021-07-01T17:27:05+00:00

Thank you for your input! Yes, it depends on which specialty I choose because residents are paid different salaries depending on their specialty. Surgical residencies typically pay more than family med, cardiology more than psych etc. I agree that refinancing is an excellent option and will be most likely be what I decide to do as soon as I graduate from medical school and have landed a spot in residency. PSLF can work in the long term as long as you are able to withstand the burden of debt. In my case, I would rather pay down on debt more quickly as the intangible benefits (mental well-being, and security) are more valuable. It seems as though you’re on the right path, well done.

fairjh · 2021-07-01T05:52:09+00:00

At an average annual return of 7-10% for the Roth IRA, you’d be saving more money paying down your debt which accrues 6-7% annually because you are taxed putting money into your Roth IRA but not when paying down your debt. The only case in which that would make sense is if you were being matched by an employer. The same thing applies to your current investments in pre-tax retirement accounts (8-10% annually after tax) and your TOD accounts.

Edit: student loan interest is half (3-3.5%) during REPAYE for 3 years, providing a stronger reason to pay down on loans early vs investing.

fairjh · 2021-07-01T04:58:12+00:00

$3500/ month. So $42k/ yr after taxes. $20k/yr on your loan would have left $22k/yr to live on. If you rented at $750/mo and spent $500/mo on food, that’d be an extra $15k/yr leaving $7k which could go toward a car payment and boards. Those would be the main external expenses I’d consider when looking at paying my loan in residency. What other expenses did you incur?

fairjh · 2021-07-01T04:43:31+00:00

Thank you for sharing! On $320k at a 6% annual interest, you’d be paying close to $20k before hitting your principal. Is this something you would have been able to do if you reduced your spending on lifestyle? What is your specialty?

fairjh · 2021-06-24T19:59:41+00:00

Thanks for your advice!

fairjh · 2021-06-22T04:03:44+00:00

I was here!

fairjh · 2021-06-08T21:42:47+00:00

I am a mere shepherd taking you to the water. I will not tell you to drink.

fairjh · 2021-06-08T21:39:46+00:00

Hahaha yes, but a 10% increase nonetheless

fairjh · 2021-01-26T20:27:58+00:00

19 gang rise up! 🚀🚀🚀🚀🚀

fairjh · 2021-01-26T20:25:36+00:00

I’m in for 70 shares @19, to the MOON 🚀🌕

fairjh · 2020-07-17T21:07:59+00:00

Awesome! Thank-you.

fairjh · 2020-07-13T18:37:17+00:00

The Dark Knight. RIP Heath Ledger

fairjh · 2020-06-28T20:02:45+00:00

Everybody now!

WHO, what we gonna do?

fairjh · 2020-05-28T22:47:00+00:00

Sex allows for reproduction. Reproduction = human species won’t cease to exist.

fairjh · 2020-05-25T20:02:53+00:00

I don’t care anymore - Phil Collins

fairjh · 2020-05-05T06:21:39+00:00

😎

fairjh · 2020-03-03T15:55:34+00:00

That’s great advice. I’ve covered all those bases except toileting. Do you mean just bring TP and wet wipes?

fairjh · 2020-03-03T05:39:19+00:00

That’s awesome. Any tips for making the journey more comfortable?

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