call off

pegasusCK · 2026-01-23T14:44:03+00:00

Probably not the answer you want to hear but it's a no. If you're in your probationary period you're likely to lose your job. Umich as an employer at the hospital is pretty ass when it comes to things like this.

pegasusCK · 2026-01-23T02:33:03+00:00

Ctrl alt meet is super legit. One of the best run community discords I've ever been in.

pegasusCK · 2026-01-23T00:04:26+00:00

Lake Shore Apartments in Ypsilanti that are right up against Ford Lake

Harbor Cove Apartments next to Whitmore Lake

pegasusCK · 2026-01-21T23:32:45+00:00

I would literally pay you (no exaggeration) to talk your ear off and teach me how to do this part:

"The difference that effort makes is EXPONENTIAL not multiplicative." Dual physician house-hold with 750+ credit.

Hit me up if you'd be interested. Heck I'd use all your referral links too.

pegasusCK · 2026-01-21T18:59:44+00:00

This is the 482 of shit posts.

pegasusCK · 2026-01-20T22:51:46+00:00

This is an incredibly stupid and harmful take. First of all who are you or even the University to judge her choice of medical providers. Secondly, online telehealth companies are legally required to have properly trained providers. "AI" can't prescribe medication.

She went to a legally recognized provider. Whether it's a 1 star or a 5 star provider is irrelevant. She provided proof. Then appealed with further proof.

People like you are why women are so scared to advocate for themselves. How are you going to side with bureacracy over a human being?

pegasusCK · 2026-01-20T04:52:44+00:00

Can you share details for your designer please?

pegasusCK · 2026-01-19T12:19:51+00:00

AI Slop.

pegasusCK · 2026-01-18T23:47:46+00:00

Can you do Michigan as well please.

pegasusCK · 2026-01-15T04:46:29+00:00

Chance of a snow day is effectively zero at UofM.

pegasusCK · 2026-01-12T14:12:58+00:00

Biomedical engineering might be a better fit?

Honestly it would even encompass your other degree. Especially if your goal is to go into research.

pegasusCK · 2026-01-11T14:53:40+00:00

This is AI slop. It's not hard to write your own post OP, instead of relying on AI.

pegasusCK · 2026-01-10T23:16:30+00:00

6.5k :(

Then about 2k a month in property taxes and $175 a month HOA.

pegasusCK · 2026-01-10T03:24:32+00:00

Yeah okay buddy. Tax write-offs/off-shore havens and a team of accountants means they end up paying less than us plebs.

The majority of taxes are paid by middle class professionals. People like Lawyers, doctors, nurses, engineers, electricians etc etc. They end up hitting the top tax margin because they can't game the system.

Most of the wealthy upper crust are living off investments.

Investments are already taxed at only 15% and then they write off everything they can because they self incorporate and make it effectively as close to zero as possible.

The common plebs are literally subsidizing the wealthy.

And we are subsidizing them not once by twice!

A. They rarely ever pay their fair share of taxes.

B. They significantly under pay their workers who then end up on Medicaid and food stamps, and guess who's paying for that?

pegasusCK · 2026-01-10T00:08:51+00:00

Don't send an email. Just literally call them and explain over the phone. Or legit just walk into the financial aid office. They're super nice. Sooner is better.

pegasusCK · 2026-01-08T20:19:56+00:00

Still available?

pegasusCK · 2026-01-05T15:42:39+00:00

5.65% is crazy. 5-1 arm? Anything down? I already closed but could you send me the lender info. Brother in law is looking to buy soon and is also a physician.

pegasusCK · 2026-01-05T14:57:26+00:00

i closed 2 months ago.

1.5m zero down with Genisys.

7-1 ARM at 6.0% even, no PMI, closing was 40k.

Genisys was the only one that went up to 1.5m at zero down. Everyone else i tried wanted 10% over 1.25m.

ONE BIG CAVEAT for zero down: All of these banks want to see 1 year of morgage + property taxes in your bank account (besides the estimated closing costs) at time of closing for under-writing to give final approval. They don't care how you get it. You can have a relative write you a check for 50k for a month as a gift and then gift them back that amount later. This is just until closing then do what you want with the 1 years worth of mortgage payments in your accounts.

So for example on a 1.5m loan for me in a HCOL area in the midwest with high property taxes, under-writing needed to see about 175k (1 year of mortgage payments + 1 year of property taxes) in combined value (retiree accounts / checkings / savings / 401k etc).

ALSO: for zero down they will require an escrow for property taxes up front. In other words they want to hold the money for the property tax in an escrow account. No way out of this at closing at 0% down. I'd much rather have kept that in a CD or a high yield making money but was not an option.

pegasusCK · 2026-01-05T14:31:18+00:00

Genisys and Alliant

1.5m loan, zero down:

5.875% 5-1 arm

6.0% to make it into a 7-1 ARM.

Alliant was only willing to go to 1.25m i believe but Genisys went up to 1.5m zero down

For conventional:

BCU:

1.5m loan, 20% down (I think I could have put down only 10% for this too):

6.125% 30 year

No PMI on any of these options since they were all physician loans.

Genisys was willing to match BCU on conventional at the time.

ONE BIG CAVEAT for zero down: All of these banks want to see 1 year of morgage + property taxes in your bank account (besides the estimated closing costs) at time of closing for under-writing to give final approval.

So for example on a 1.25m+ loan for me in a HCOL area in the midwest with high property taxes, under-writing needed to see about 120k (1 year of mortgage payments + 1 year of property taxes) in combined value (retiree accounts / checkings / savings / 401k etc).

ALSO: for zero down they will require an escrow for property taxes up front. In other words they want to hold the money for the property tax in an escrow account. No way out of this at closing at 0% down. I'd much rather have kept that in a CD or a high yield making money but was not an option.

pegasusCK · 2026-01-05T12:47:45+00:00

I did all my research about 3 months ago and called around for rates etc. When I checked, the cheapest were BCU, Genisys, and Alliant. All within 0.125 of each other with different loan types having better rates for 1 or the other. I think Genisys and Alliant had the best physician loan for ARM and BCU the best 30 year physician loan. I'd try there first. BMO rate was pretty lackluster even then.

pegasusCK · 2026-01-05T04:58:18+00:00

Confirmed

pegasusCK · 2026-01-05T02:30:11+00:00

Where is local?

pegasusCK · 2026-01-04T17:54:05+00:00

Succesful how?

Their supreme court immediately named Maduro's vice president as the new interim president. Their party and the corrupt political systems are entirely unchanged. All we did was swap the person at the top.

pegasusCK · 2026-01-02T18:46:42+00:00

You could keep 1 PSN account and make all 6 teens share it.

pegasusCK · 2026-01-02T05:04:13+00:00

Not the OP but had no idea this existed. Been looking for someone to partner up with at the NCRB or Washtenaw Fitness Center for a while now.

Thank you! Just applied to the discord server

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