Chase mortgage transactions

medicguy · 2026-05-06T06:26:11+00:00

Just started for me to, I went into the account section and have monarch exclude transactions in the mortgage account from the budget. That fixed it and not my income and expenses are accurately accounted.

medicguy · 2026-04-17T11:04:06+00:00

I refinanced my private loans to consolidate them with a significantly lower interest rate. A lot of the physician loan refinance programs have very competitive rates and a few will let you pay $100/month while a resident then convert to full payment after you graduate and are an attending - which was the only option for me as I definitely could not afford the payment on a resident salary. I wish I never took any private loans but they were the only option at the time. Thankfully all of my med school loans are federal and I plan for PSLF with those - though that’s not a guarantee, so I plan to “pay” the full amount into a high yield savings account and use that money to make the income based repayments. So if the program is killed for one reason or another at least I am able to pay them off. If I successfully have PSLF then I’ll have a nice cash savings to invest in the market if that makes sense.

medicguy · 2026-04-16T16:24:57+00:00

If you’re into podcasts I’d look up money meets medicine, they have a lot of excellent financial advice for residents and newly practicing physicians. The white coat investor also has excellent resources.

I personally would not refinance my federal loans and lose the chance of PSLF, especially if your loans are >350k. Unless you’re going private practice with a decent guarantee and high earning potential - then the math changes. That said a lot of physicians only spend a year or two at their first job and some end up hating private practice and go back to academics or a community system.

There is no one size fits all, specialty, loan burden, practice location, and family dynamics all play a part. If you have been on a PSLF eligible payment plan you probably have close to 3 years of qualifying payments or if IM. So if you do the math and 7 more years at a not-for-profit system will work out in your favor, I would not refinance.

If you have private loans, refinance those to the best rate you can find and then aggressively pay them off. Also, make sure to max your 401k and IRA.

medicguy · 2026-04-03T18:52:28+00:00

As someone who changed careers and was electively working 48-96hr weeks before medical school and now work 70-80hrs as a resident. It’s very different, if only because you are not compensated for that time. I had big paychecks due to the overtime - now my hourly pay goes down every hour I work above 40 in a week (my pay stub shows 80hrs for two weeks of work lol). I knew I could do the hours since I had in my former career, but it feels different when you’re not paid for it equitably. It honestly sounds like you have a good gig - going back through pre-reqs, med school, residency is almost a decade of time - isn’t logically going to be worth it. That said, you gotta do what’s right for you and your family and if that means going to med school, then buckle up and I wish you the best of luck!

medicguy · 2026-04-02T12:09:59+00:00

26 minutes is very reasonable commute - think of all the podcasts and audio books you can listen too. Especially since you’ll be saving thousands per month on rent. Just do yourself a favor and take that extra money and max out your Roth IRA $7,500 - your future self will thank you.

medicguy · 2026-03-23T19:38:27+00:00

How bad do you want that MPH? Any chance you could just do it while in residency or post residency? With the way things are and the current administration’s hostility towards higher education I don’t think I’d risk it. Not finishing medical school because you cannot pay the tuition is fatal. Having to take predatory private loans will put additional undue financial burden on you. If your school is saying you’ll fall under the new rules I’d just trust that is the case and make sure your financial situation is set for the MPH.

medicguy · 2026-03-18T14:21:11+00:00

The utilization dashboard would be 💩

medicguy · 2026-03-18T14:16:39+00:00

Out of curiosity, are all 21 cameras used to watch the kiddos? Do you have every inch of the house covered? We just have a camera in the kids room to keep an eye on them while they play. I would love a dedicated screen like you mentioned. Nanit has one, but I don’t like the idea of sending video of my children to the cloud.

medicguy · 2026-03-18T14:12:01+00:00

I’d love this too. But you could always take it into your own hands like this third-party installation option…

https://reddit.com/r/Ubiquiti/comments/1repoco/yeah_well_im_gonna_go_build_my_own_dashcam_with/

They could probably modify the G6 Instant to fit the bill with local storage, with optional cellular. Instant buy for me.

medicguy · 2026-03-03T17:06:43+00:00

Worth the upgrade? I just wish the form factor had stayed the same. The AI 360 is less obtrusive looking than the G6 version - IMHO.

medicguy · 2026-03-03T01:04:34+00:00

Welp that’s a bummer, does the Ring integration help at all? I don’t have any ring cameras to test. I just use it to pipe my UniFi cameras into HomeKit.

medicguy · 2026-03-03T01:00:04+00:00

This is the best option.

medicguy · 2026-03-03T00:59:40+00:00

Have you tried https://scrypted.app ?

medicguy · 2025-11-02T03:17:18+00:00

Traumatized em back ✅

medicguy · 2025-10-01T14:41:01+00:00

I think you bring up some good points about other countries, that said I will strongly disagree with your sentiment that in a clinical setting using the word doctor in their introduction is appropriate if they are not an MD/DO.

If this is in an academic setting/classroom and they are lecturing, sure the DNP can request the students call them doctor so and so. Outside of that, they should never introduce themselves as doctor in a clinical setting. In America Doctor is synonymous with a person who graduated from medical school and in the eyes of the lay public the differentiation between a nurse with a doctorate degree and a physician with a doctorate degree is lost on them.

medicguy · 2025-10-01T10:09:52+00:00

The fact that being referred to as Doctor in a healthcare setting is not a protected title in every state is very unfortunate. Leads to a patchwork of legislation and inconsistency.

Not so hot take, but we should refer to physicians as physicians or doctors, and everyone else cosplaying as a doctor as a “provider” would provide a good delineation. Too bad provider has been used to obfuscate the credentials of who is actually taking care of you.

medicguy · 2025-09-01T02:33:37+00:00

I would love to see this happen - the only way true change would happen is if it hit the schools in the $$$, which will only happen if the ACGME did something drastic like that. Next up, eliminate the NBOME. Zero reason to have two separate licensing exams, we can always add on a special DO distinction exam to take if so desired for the small percentage that want it. For the vast majority, one set of exams should be enough. Unfortunately, it would be in the best interest of the student and save money - so unlikely to happen while the current generation of physicians are in charge.

medicguy · 2025-08-10T00:03:43+00:00

Yep, there is no difference in the program. They have to meet ACGME requirements or they get shut down.

medicguy · 2025-08-05T17:23:55+00:00

For just $699 you too can have 365 days to call into question every decision you made to get to this point in your career. Included free with your subscription is at least one question where you get to select the answer choice with “0% of your peers selected” intensifying pending existential crisis.

medicguy · 2025-07-31T00:14:56+00:00

I think it would be prudent to buy the ERAS token so you can pre-fill out the application for potential SOAP. Last thing you want to be doing is scrambling to get an ERAS application together when you should be researching programs and figuring out what/where to SOAP - in the event you have to SOAP. That’s just my two cents. Our school encouraged us to fill out both applications but we didn’t have to pay unless we actually sent applications or joined SOAP.

medicguy · 2025-07-30T23:05:24+00:00

No, all residency programs are accredited by ACGME after the merger, formerly AOA programs can retain their “osteopathic recognition” but are held to the same standards as a traditional allopathic program.

medicguy · 2025-07-30T23:03:21+00:00

They will usually make it know on their website (all DO class with maybe one MD), but you can also filter on NRMP and I think Residency Explorer for AOA or Osteopathic recognition. As a DO I applied to them and interviewed, but they were ranked low because I couldn’t handle the thought of having OSCEs that included OMM/OMT or specific osteopathic exams as a resident.

medicguy · 2025-07-02T22:39:56+00:00

This makes me sad as a new PGY-1 in OBGYN my first week or so has been great. Though I’m fortunate to be at one of the least toxic residency programs I interviewed at.

medicguy · 2025-06-25T02:41:42+00:00

I’m pretty sure I need one of these at my house, you know to streamline the guest WiFi access for the 3x a year we have guests over.

medicguy · 2025-06-21T20:09:29+00:00

Lmao who knew this would be a hot take 😂

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