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God Is Not Great by Christopher Hitchens

Definitely get it. It should be affordable. I pay $51 a month to Guardian for a $4k monthly benefit after discounts. I am a radiology resident, class 4M.

zebrafish wrote:Username: hematochezia

Occupation: head and neck surgeon

LOL.

Any participants out there?

Our department does the standard 100 box grid at $5/box.

Has anyone tried the Pappy Van Winkle 20 year-old or 23 year-old?

madef88 wrote:Brooks Brothers Semi-Annual Sale starts today and ends January 3. FYI.

Thanks for the heads up! Just re-upped.

Lonesome Dove by Larry McMurtry

Professor Emeritus wrote: Zeppcoustic wrote:So many options..wow.
Couldn't help but laugh reading some of the replies mentioning polar bears and cruises...golf is a necessity!

I

for a Honeymoon ??? sounds very kinky!!

Lol

So many options..wow. Thanks for all the great advice guys!! Couldn't help but laugh reading some of the replies mentioning polar bears and cruises...golf is a necessity! :oops: I am spending some time of tripadviser. Right now, we are looking at: Sandals Emerald Bay Great Exuma Bahamas Four Seasons...

We are reticent to go as far away as Hawaii if we only have a little more than a week. Isn't that like an 18 hour flight each way?

orlandoguy wrote:Four Seasons Nevis would seem to meet all requirements.

Checked out website, looks promising! Thanks

Hi all. Could use some insight in planning our honeymoon. Planning for March 2013 or later. We are in late 20s, resident docs, looking to relax on the trip 8-) Duration: 7-8 nights Budget: Flexible: $6000? Location: Probably Caribbean, due to duration we can take off. Don't really want to spend more...

We each have solid individual DI policies with Guardian. We are able to save a good amount of our income and live below our means as residents, which isn't easy for the majority of resident docs.

She will probably open a Roth and hold VTHRX soon.

Thanks for insights.

Thanks for replies! We are leaning towards Roth for her.

Thanks for replies. I am familiar with White Coat Investor and have read that article you mentioned. While excellent generalized advice, it did not answer my question about the IRA in our circumstance.

Hi all. I got married a couple of weeks ago. I had hoped to get your insights on our current financial plan. We are both resident docs (radiology and ENT surgery). I think we are in good shape thus far. My main questions pertain to how we should approach our student debt. A family member is offering...

Thanks for reply. Right now I see no solid reason why residents with a ton of debt wouldn't do this. It seems like a pretty big loophole, and I know a bunch of smart people planning to take advantage. Especially with the forgiven amount not being taxable.

Edoc- I have read your posts, thanks. Still don't see any potential catch. Can't believe the government should shut down the program and not have people grandfathered in. Outcry would be enormous among public sector employees part of the program.

A couple of my resident colleagues are planning to do this and asked me about it today. They have about $500k in debt each. To my knowledge, you make 120 qualified loan payments (income-based repayment) under the auspices of working under a non-profit hospital (which pretty much all teaching hospita...

This thread is amazing.

Multiple good points. I've had Time Warner for the past 15 months after I negotiated a lower than advertised rate for Internet and cable. After 12 months, they said my "promotion" had ended and they raised my rates for both. I'm just tired of dealing with them. I rent the third floor of a ...

Cool will look into this.

Virtual friends, I am finally cutting the cord with cable. Time Warner has been lackluster here in NYC for years. I am turning in my equipment by next week. Major priorities are watching sports on the major networks (esp football) and high-speed internet. We have AppleTV and Netflix now. I'm enterta...

My fiancee will soon be credited with $500 from her employer to purchase a tablet for "educational pursuits."

What do you recommend? Her main use will be for reading. Samsung Galaxy seems to be highly rated, along with iPads.

Thank you for input.

Per majority advice on this thread, I went for the Brooks Brothers shirts. Went to the store to try on a few, decided 16.5/34 Slim Fit was perfect for me. I ordered 5 shirts online which came to around $275 after 40% discount and shipping, which was a splurge for me clothing-wise. So far I'm very pl...

Just saw this on Slickdeals, think I will swing by this weekend. Brooks Brothers is pleased to announce our Semi-Annual Sale, beginning Monday, June 18 and continuing through Tuesday, July 3, 2012. During this event, you will enjoy savings of up to 40%*. As a longstanding tradition, this event provi...

Cool. I will try the water spraying thing.

Thanks for insights.

I wear a shirt sans tie and chinos about 50 % of the time at work. I hate ironing dress shirts and I hate paying $1.85 to launder them.

What brands do you guys like? I have a few wrinkle-free shirts (forget brand) but they still seem to get some wrinkles.

Loan was for $64,400.

I owe about $59,000.

It will be completely paid off by 2016/2017.

Sounds good. Had hoped for a plug-and play type calculator but figured I might have to do some calculations.

Good afternoon. A family member gave me a loan to pay back med school debt. It is openended, with no term. I am paying about $400/month. Some months I pay more, some less. The interest rate is 3.4%. I will pay back the remaining balance the first year I'm out of residency. Any ideas for a calculator...

God Is Not Great: How Religion Poisons Everything

Christopher Hitchens

The Wire

A dense (black, not the blue or white) foam roller can work wonders for myofascial pains/strains/stretching/etc. I like the black jFit 36inch roller. Check it out on Amazon.

Bob's not my name wrote:
sjb wrote:My current holdings are 5 figures (soon to be 6 figures)
retiredjg wrote:You apparently have $500k to $700k
?

lol

mephistophles wrote:Suggest that you go to Youtube and put in Carl Sagan and watch his Cosmos videos. Then read his "Varieties of Scientific Experience."

+1. Cosmos is awesome. Still remember looking forward to watching them in college astronomy classes.

campy2010 wrote:Call PenFed and ask the reason for the denial. They may have pulled her credit report, saw her debt to income ratio, and sent a denial. If you talk to a person and explain the situation, and she might get a different answer. Credit union #2 will likely do the same thing and she will have wasted a hard pull on her credit report for no reason. At minimum, before she applies for a loan at credit union #2, she should ask them if her medical school debt will be a problem before she lets them run her credit.

mike143 wrote: I agree with calling for the reason if its not apparent on the letter they sent.

Update: she called PenFed the other night and explained her situation. They referred her to a senior loan administrator and approved the loan immediately. Very easy. Thanks for the advice!

ltux, I had a similar dream. Starting in high school, my dream was to own a Carrera 4S in Platinum Silver Metallic (or maybe Dark Blue Metallic). My family and friends all know about it. This dream persisted through college and medical school. Then after I started educating myself on personal financ...

Call PenFed and ask the reason for the denial. They may have pulled her credit report, saw her debt to income ratio, and sent a denial. If you talk to a person and explain the situation, and she might get a different answer. Credit union #2 will likely do the same thing and she will have wasted a h...

The residual is $12k. What is the car actually worth in the open market, $14k or $10k? Did she ask for $6k or 12k? I assume 50% down on a car vs 0% down on a car is similar to 50% down on a house vs 0% down on a house. There are different risks involved. The private party KBB is ~ $15,000. She need...

Thanks for insights. We live in NYC. Not really interested in appeal, she is crazy busy at work. Don't have the reasons for rejection in front of me. I don't believe her hospital has a credit union, but I'll look around.

I will tell you to buy a size bigger than you think you will need. I got a 46" Samsung LCD in 2010; love it and all, but wish I went with the 55". You will never wish you went for smaller TV. Never. Spot on. I'm in same situation as awval. HD enables you to have a much closer viewing dist...

Good morning. My fiancee is reaching end of her 2010 Honda Civic lease in June. She wants to buy the car for residual ~ $12k. She just opened a PenFed account for purpose of securing a used auto loan. To our surprise, she was not approved for loan. She has a FICO >700 and has about $125k of med scho...

4 years great cost and effort, then 3 -4 years of making near/less than minimum wage(80 hour minimum might change this) This is a popular misconception. Many residents work under 80 hours a week. For example, as a radiology resident I do not approach 80 hours. I make $64,000 a year. This is not nea...

Labs sure are wild. Their best intentions can go south in a hurry.

Sorry to hear this. Best of luck in getting your dog better.

My wife's DI policy includes a maternity leave coverage which pays a percentage of her usual income while she's off from maternity leave. That's pretty sweet. Bru - can you expound on this? Is this a worthwhile and/or standard policy addition? I did not consider this. Are elimination periods variab...

Brian2d wrote:I've watched CNBC far more in the past two days than I ever had before...and I've really enjoyed it.

But that's only because they've been showing hockey playoffs.

+1

If your wife can get unisex rates they will be a lot lower than gender-distinct rates. BruDude (and others): I'm still not clear if we need two separate policies, one policy covering both of us, or just one policy covering one of us. Also, it is my impression that unisex rates favor females signifi...

Morchella info: http://en.wikipedia.org/wiki/Morel_mushroom

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