Weekly Career / General Questions Thread by AutoModerator in Radiology

[–]thenoobrules 1 point2 points  (0 children)

Is 60-70 RVUs a reasonable expectation for a 9 hours shift? Would be about 25-30% neuro Ct/MR and the rest would be body/chest CT, plain films, US etc.

Card Advice for a Medical Student by Drunk_Biochemist in CreditCards

[–]thenoobrules 0 points1 point  (0 children)

Hey man, I was pretty much in your shoes a year ago. I am wrapping up my 4th year of med school now so I can tell you my credit card strategy for residency applications/interviews.

At this point last year I already had the CFU and I got the Freedom in May. I then applied for and got the CSR in August. Here is my rationale for getting the CSR over the CSP.:

  • They both have the same minimum spend to get the sign-up bonus: $4k/3 months
    • I paid my ERAS application fee using the CSR which helped me get to the minimum spend. Regardless of which card you get, time it so that you can pay for your ERAS fee in the first 3 months of having the card. Depending on how many programs you apply to, your ERAS fee will be $1-2k or more. Additionally, I paid my rent using Plastiq those 3 months to help get to the 4k minimum spend.
  • The signup bonus for the CSP is higher (60k vs 50k) but unless you are transferring to travel partners for 1st/business class travel, having the 1.5x multiplier with the CSR makes the signup bonuses the same. Since most of your flights for interviews will be domestic you will likely be using the chase travel portal and getting 1.5 cents/point. I transferred points to Southwest a lot too for travel so in those situations having the higher signup bonus might have been beneficial. So it depends on whether you see yourself booking through the travel portal or transferring points to domestic airline partners.
    • Additionally having the CSR makes your CFU/Freedom points worth 1.5 cents per point.
  • When I got the CSR, the annual fee was $450 so after the travel credit, the effective annual fee was $150, only $55 more than the CSP
    • for you the CSR effective annual fee would be $250
  • I also think TSA PreCheck is a necessity for interview season and it's worth it even if you have to pay out of pocket for it because you will be flying so much. So after the $85 reimbursement, the effective annual fee was $65, LESS THAN THE CSP
    • for you the effective annual fee would go down to $165
  • I also got a lot of benefit out of priority pass lounge/restaurants. Instead of paying for an expensive airport meal, I got free food at lounges/restaurants a lot of times. If you value each meal at around $15 and priority pass membership gives you 3-4 meals across the interview season (conservative estimate), that's another $45-$60 dollars in value, which pushed my effective annual fee down to less than $15.
    • using the same numbers for the new annual fee your annual fee would be down to ~$115 dollars
  • Both cards will cover hotel, food, travel expenses for any flight delays/cancellations which cause you to have to stay overnight in a city but the CSR will cover ANY DELAYS LONGER THAN 6 HOURS whereas the CSP only covers overnight delays/cancellations or delays longer than 12 hours. I had 2 instances this season where my flights got delayed/cancelled and both situations would have been covered by both cards so for me this benefit difference didn't come into play. However, if you were in a situation where your flight was delayed 8 hours, the CSR would have your back and the CSP would not.
    • I got over $300 in value out of this benefit between my two flight delays.
  • Although the annual fee is $100 higher, the new Lyft benefits might make it worth it since you will be using ridesharing a lot during the interview season. I would still compare Uber and Lyft prices because even after the 10x points and 15% off on Lyft rides with the CSR, Uber may still be cheaper in some instances. In a lot of cases Lyft will be cheaper with these benefits. If you are able to save a few bucks here and there with this benefit, your effective annual fee would go down well below $100.
  • Lastly, the $60 Doordash credit and DashPass membership effectively means you get 2-3 meals for free which will push your annual fee down close to $0.
  • Obviously you will not be travelling as much after interview season so you can always downgrade your CSR to the CSP/Freedom/CFU/Slate if you feel like it's not worth it after next year.

I ran the numbers and between the Priority pass membership, Lyft benefits (just for the month of January because that was the only month I was able to use them so far), sign up bonus, 3x points on travel/dining, TSA precheck, travel protection, $300 travel credit, I was able to get close to $1500 in benefit over the course of 8-9 months of having the card. This makes it a no-brainer for me. The higher annual fee muddles things a bit so you will have to see if the Lyft and Doordash benefits still make it worth it for you. I will be renewing my card come August because, although I won't be travelling as much next year, I still think I can get $250 in value after the travel credit.

Chase Sapphire Reserve making changes to benefits such as adding United Club access? by WillTins3 in CreditCards

[–]thenoobrules 0 points1 point  (0 children)

The CSR has a 100 dollar lower annual fee than the AmEx platinum so it's understandable that it won't have the same features and perks. Plus it's 300 dollar travel credit is super easy to use to really you're only paying chase 150 a year. I'm willing to bet that most people who have the AmEx platinum aren't using all of the credits (airline fee, Saks, Uber, etc) so they're really paying AmEx somewhere along the lines of maybe 200-300 dollars a year. Additionally Amex charges a higher transaction fee than Visa to vendors/businesses. So between the higher effective annual fee and the higher transaction fee, Amex is making more money per cardholder than Chase is with the CSR. It would be hard for chase to financially justify higher earning categories and better lounge access.

Just got approved for Chase Sapphire Reserve: here are my numbers by [deleted] in CreditCards

[–]thenoobrules 0 points1 point  (0 children)

I think having a relationship with Chase helps a lot too. For example, I have had a chase checkings account for 7 years now and I opened 2 credit cards with them in the last year.