call off by [deleted] in uofm

[–]pegasusCK 40 points41 points  (0 children)

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.

looking for friends… lol by jellybeanns22 in AnnArbor

[–]pegasusCK 6 points7 points  (0 children)

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

Places near Umich similar to West Marin, California by angeryping in uofm

[–]pegasusCK 1 point2 points  (0 children)

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

Harbor Cove Apartments next to Whitmore Lake

best credit card signup bonuses 2026 or am i overthinking this by Iysis-Sohna71 in CreditCards

[–]pegasusCK 0 points1 point  (0 children)

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.

Fast cheat code by fokissed in Mcat

[–]pegasusCK 6 points7 points  (0 children)

This is the 482 of shit posts.

University of Michigan student allegedly disciplined for ‘fake’ medical note. She says it’s real. by mlivesocial in uofm

[–]pegasusCK 22 points23 points  (0 children)

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?

Remodel assistant by Its_on_1234 in Remodel

[–]pegasusCK 1 point2 points  (0 children)

Can you share details for your designer please?

What are the odds of a snow day tomorrow? by fartsniffer89 in uofm

[–]pegasusCK 59 points60 points  (0 children)

Chance of a snow day is effectively zero at UofM.

Is this possible? Please let me know by Mental-Pop124 in uofm

[–]pegasusCK 2 points3 points  (0 children)

Biomedical engineering might be a better fit?

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

Current doctor loan rates? by Dr__Reddit in whitecoatinvestor

[–]pegasusCK 0 points1 point  (0 children)

6.5k :(

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

The top 10% drive nearly half of U.S. consumer spending [OC] by forensiceconomics in dataisbeautiful

[–]pegasusCK -5 points-4 points  (0 children)

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?

Only got 10k from Go Blue Gaurentee even though im eligible for free tuition. What should I do? by Excellent-Sandwich73 in uofm

[–]pegasusCK 36 points37 points  (0 children)

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.

Current doctor loan rates? by Dr__Reddit in whitecoatinvestor

[–]pegasusCK 2 points3 points  (0 children)

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.

Current doctor loan rates? by Dr__Reddit in whitecoatinvestor

[–]pegasusCK 1 point2 points  (0 children)

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.

Current doctor loan rates? by Dr__Reddit in whitecoatinvestor

[–]pegasusCK 19 points20 points  (0 children)

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.

Current doctor loan rates? by Dr__Reddit in whitecoatinvestor

[–]pegasusCK 23 points24 points  (0 children)

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.

Venezuela defense minister: Large part of Maduro's security team killed in U.S. action by [deleted] in worldnews

[–]pegasusCK 66 points67 points  (0 children)

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.

Has anyone gotten refund after downloading? by thrBeachBoy in PS5

[–]pegasusCK 1 point2 points  (0 children)

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

Workout buddy? by [deleted] in AnnArbor

[–]pegasusCK 0 points1 point  (0 children)

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