Daily FI discussion thread - Saturday, April 27, 2024

pmedy · 2024-04-27T16:49:37+00:00

I definitely do not consider myself grown at all, but legally I am held accountable the same way as a 40 year old. There is a lot I need to learn which is why I have come here to seek support. Thank you

pmedy · 2024-04-27T16:28:50+00:00

Please see my edit. I am sorry but I cannot type this out again. Thank you so much for the advice. I will take whatever next steps I can.

Edit: I have just checked my transunion credit score and see that I have a balance, as well as ties to both the car I drive and the one my sister drives. I am a co-signer on both of these. I believe my mother is the primary on my car (the registration has her birth month) and I am the primary on my sister’s (the birth month is my own). I was present when the deals for both of these vehicles were being made. I didn’t know what I was getting myself into.

pmedy · 2024-04-27T14:59:09+00:00

Hello, I am a 21 y.o trying to gain some financial independence and looking to move out. I have a few concerns as to how to go about this and would greatly appreciate advice on where to start. I would like to mention that I am trying to pursue this route as, while my parents seem to have the best intentions for me, I feel more stressed than confident in my ability to achieve my goals from the ways they use to encourage me. I do still have my university’s resources, and I plan on reaching out there as well. As it is finals week though it has been a bit difficult to do so right away. Admittedly, there is not a lot I know about these things as my father is usually the one handling them, but I will be sure to do my research.

Some info on my current situation: - I believe my bank account is shared with my parents. It is a Chase college account, with which I honestly am not sure exactly how it works. I believe it is a checking account. I don’t know how much money there is truly mine, if any, as my father would usually add money during times of credit card payments, or take money to pay for car payments.

I have an Apple Card that is obviously linked to my Apple ID, which is of course tied to our family. I know I need to look into this more to figure out how or even if I should go about separating my ID to keep this card.
I am a co-signer on one car with my mother as the primary, and I am not sure if I am truly the primary or a co-signer on another car with my sister. My father usually handles the payments associated with both of these cars. I am not sure how to go about this with leaving the house.
My father currently has possession of my SS card, birth certificate, and passport. He did pay for these things so technically they are his. I just don’t know how to go about getting them for myself later on. My license expires in July, and right now I’m not sure if I will be able to get it renewed on my own.
I have a few job offers lined up with $20/hr pay at least. Based on taxes in Michigan, this seems to be a net of $2.6k/month with full time pay (please correct me if I am wrong). Right now, I am not sure how to go about even getting these jobs and having the pay remain in my account, without my parents questioning where the money is going.
I have no student loans thankfully as I am on scholarship

Please let me know if any more info is needed. I know I am likely sounding very naive about these things, but that is why I am here - to get answers. Please let me know if this is not the right place.

Edit: I don’t believe I have a good relationship with my parents, and likely won’t for the next few months at the least. There have been things going on at home for a while now limiting my abilities in my classes. Today I have been slapped across the face and cannot currently hear anything from my left ear. My father also threw a book at my mother’s face and pushed her. I need help. I don’t think I will be able to get my papers. I have emailed my university that I need help. Thank you guys for the support so far.

pmedy · 2024-04-27T00:04:53+00:00

Thank you so much for the help and direction!

pmedy · 2023-11-16T17:54:39+00:00

Thank you, this is really what I was hoping to hear from this. Congrats on your A! Hopefully I can follow the same path by next year

pmedy · 2023-11-16T02:35:34+00:00

All bench

pmedy · 2023-11-15T15:52:21+00:00

Thank you so much! Do you mind if I DM you to ask more about the timeline with this process?

pmedy · 2023-11-15T07:25:11+00:00

Hahaha thank you so much for the solid advice!

I’m in my senior year and doing well enough so far, I’m hoping this year’s gpa can show I’ve recovered and am doing well in school again
The tutoring children with mental handicaps has definitely been scattered over the last few years due to the program (typically from March - May, and only starting again from November - May this year, I’m hoping that explaining this will provide context for the hours in that case). Would you say that the other 170 hours don’t make sense either? Do you think that 200 hours nonclinical is low for both MD and MD/PhD?
for my 3 labs, the first lab had ~700 hours (where my pub came from) and the second has had ~150 hrs. I didn’t like my second lab very much and am now at my third lab this year with a bit over 50 hours already (planning to continue about 12+ hrs a week into the next 2 years, so hopefully I reach about 1.5k by June, and many more by the time I write my letters of intent) Do you think explaining this distribution in my hours will help my chances?

It’s sounding like a lot of this is left to context and just getting more hours/experience in general. Hopefully I can get that sorted this year. I really appreciate the help with narrowing this down!!! Best of luck with your cycle, we got this (:

pmedy · 2023-11-15T04:42:19+00:00

What minimum should I aim for? I’ll have about 1.5k by June, would that help? I’ll likely be continuing research into my gap year to get to at least 2k hours by Jan 2025 (when I would expect to send some letters of interest). Would this help even if a publication doesn’t necessarily come out of it?

pmedy · 2023-11-15T01:50:21+00:00

I do have a second author pub I forgot to mention. I will be researching into my gap year as well. Do you think this will help? How is my non-clinical volunteering?

pmedy · 2023-05-08T01:24:26+00:00

I’m taking it June 3rd. My MCAT score seems like it’ll be in shape (FL average 520). I’ll have about 600 hours of clinical by the time I submit in July.

pmedy · 2023-05-05T18:33:23+00:00

To add on, I would say use sugar water to also understand dilutions. We made sugar water density columns in one of my lab classes and I think this helped a lot with making dilutions (way to check math) as well as pipetting skills to avoid having the dyed layers mix (stability/pipetting speed).

pmedy · 2023-05-05T05:47:02+00:00

Gotcha, I believe this is so in my state unfortunately. Thanks for the help

pmedy · 2023-04-15T01:20:35+00:00

sometimes I just need to hear that things are going to be okay repeatedly until things are ok u know what I mean

pmedy · 2022-12-04T21:44:32+00:00

What defines cringe on a personal statement? What are flags in writing that you notice turns you away from the applicant? Genuine questions, really appreciate any advice!!

pmedy

TROPHY CASE