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Really?I am happy now.
I thought you did hate me for some unknown reason. We are okay now.
Good! Sorry for the confusion. Glad you matched...
BH
Really?I am happy now.
I thought you did hate me for some unknown reason. We are okay now.
I thought I would mention that despite everyone's worrying about the increasing competitiveness of path, we are actually near the top of the list for % unfilled spots.
Path: 41/508= 8% Unfilled
Family has higher: 249/2636=9%
And that's about it. Psych has about 5%, and I am ignoring all of the Med/Peds, Med/ER, etc combos and things there are ridiculously few of, like Genetics, as well as the various prelim years. (For some reason it looks like there are few Neurosurgery and Urology, which I'm not sure about.)
So . . hopefully this means that many are getting their top picks, and I haven't noticed any posts about scrambling yet, but those that have to will have good chances!
Congrats, I was rooting for you!
Sweet, Thursday doesn't matter for you, start the celebration!
where did you find this info? I can't find anything from nrmp.
If you login to the NRMP site, then click "My Reports" on the left, then "Regional Match Statistics by Specialty"
It gives you a listing of all the unfilled spots by area. The percentages I calculated myself 41/508=.08
Perhaps we should wait until after the scramble... for all we know there are 65 people out there trying to fill those 51 slots.
I heard from a very unreliable source that there were something like >100 unmatched AMGs and ~300 unmatched FMGs...
This was third hand information, and probably completely wrong. Still, isn't it fun to speculate?
BH
if so that makes the 41 unfilled spots that much weirder
So now that we are post match, I figured I'd be relaxed and non-stressed. What I've realized is that my stress has shifted, now I'm stressing over finding a place to live!
So now that we are post match, I figured I'd be relaxed and non-stressed. What I've realized is that my stress has shifted, now I'm stressing over finding a place to live!
I just recieved a welcome email. But they have informed me that I'll have information coming early next week. I'm stressing about finding housing.
That's crazy. I didn't get flowers. I'm still waiting for my convertible to show up... They have been overnighting stuff to me like mad, which is cool. I got a ton of HR paperwork wednesday, and my contract should show up today. The malpractice coverage form was the most confusing thing I've ever seen, primarily because it seems to be designed for surgeons.Anyway, can you believe this? My program director sent me flowers!! Haha it sounds kinda cheezy here, but they are beautiful!
It's a trap! I was super pleased with my medical insurance... everything is extra cheap if you get it done at the hospital where I'm working, plus you get free MRI/CT/PET scans. BHno flowers for me. something looking like a contract has come, but i don't see a salary listed on there.
Has anyone signed their contract yet?? I'm still waiting for mine in the mail... man its s...l...o...w.
Anyway, can you believe this? My program director sent me flowers!! Haha it sounds kinda cheezy here, but they are beautiful!
i hear ya, tiki. i'm basically looking for 2 moves simultaneously - i'm gonna get an apartment short term, but long term it's cheap enough in columbus to buy, so i'm also looking at real estate listings, trying to learn about neighborhoods, etc. i remember the UVa residents saying that buying in c'ville on a resident's salary would be tough, but that there is a lot of pretty decent stuff available near the grounds.
Has anyone signed their contract yet?? I'm still waiting for mine in the mail... man its s...l...o...w.
Anyway, can you believe this? My program director sent me flowers!! Haha it sounds kinda cheezy here, but they are beautiful!
I'm definitely going to be renting. I don't have the time or money to put into taking care of a house.
I agree. I own a house right now and I can't wait for the carefree life of renting again. Maybe if you had a brand new, nice house, things would be different, but I have personally repaired/remodeled almost everything in this house.
perspective is everything, eh sean? i've never owned a home before, and i'm excited to not have noisy neighbors, useless apartment complex staffers, and the freedom to plant some fruit trees and a vegetable garden in my backyard. yeah, it'll be more work, but i hope it's worth it as much as i think it will be.
Yeah, it depends I guess. I did not originally plan to spend only 2 years in this house, so it has turned more from my home into my job, a la Flip That House or something of that sort. It should be going on the market this weekend, so fingers crossed for eager buyers. Real estate is down in the country overall, but Pittsburgh is slow to react to that. Housing can't really get that much cheaper around here. I hear Columbus is similarly pretty affordable. You could probably skip the renting period if you see a property you would like to buy and have time to scope things out. You should be able to get a standard mortgage even before starting residency because they will look at your contract and promised salary as income. Of course, there's the pesky down payment.
if i knew anything about columbus neighborhoods i'd consider going straight into a house, but i don't, and i want at least a few months to learn the area before sinking over 100 grand into a home. as to down payment, it looks like some of the physician loan companies allow 100% financing, so the only cash needed up front would be closing costs.
Yes, I'm a girl. I was kinda curious as to what they sent the guys... Something to discuss at orientation! I just wish I could see who the other residents are!Are you a girl? If they are sending flowers to guys also I would be
The down payment thing is making me nervous, too. Though someone mentioned to me a "doctor's loan" from Bank of America (it's not called that...something "professional" loan...) that's a one time, lower interest thing designed for newly minted health professionals.
Just closed on a Physician's Loan from Bank of America - 30 yr fixed, no down payment required, no PMI, great interest rate. Shop around, though, lots of banks offer Physician's Loans (and they are not a one-time thing...banks know that you will be making $ the rest of your life and will extend lots of credit to keep you a loyal debtor)
interesting - i didn't realize BoA would do that (no PMI, no down payment). mind if i ask what rate you got (feel free to PM if you'd rather not share publicly)? i'm hoping for 5.75% or less. and after all the mortgage mess, i'm not even going to consider an ARM.
interesting - i didn't realize BoA would do that (no PMI, no down payment). mind if i ask what rate you got (feel free to PM if you'd rather not share publicly)? i'm hoping for 5.75% or less. and after all the mortgage mess, i'm not even going to consider an ARM.
We locked in at an upswing in the Fed rate fluctuations but still did pretty well at 6.125%. We had to have the $ for closing costs in the bank for three months prior, but otherwise it was a really smooth deal. Our credit is solid, so I don't think you can get a lower rate from BoA unless you have a big down payment (we didn't) or points, etc.
The Bank of America loan officer we used was Deborah Miller, and I would highly recommend her office; even though they weren't local they were on the ball. We just responded to one of those advertisements you get in the mail! We shopped around a little bit and this was the best deal we could find.
Sean, whadya think of that email we got the other day? Put a little smile on my face.
Good luck with the house!! As for Indy--I've been told to stay on the East side of the river...avoid the West side.
thanks for that info - 6.125 seems a bit high based on what i've seen/heard over the last few months. also, at some point i'm going to have to get a better understanding of the whole "points" issue. if i can drop my monthly payment a significant amount for a little cash up front, it's something to consider. i'm working with a mortgage broker on ohio, and so far i've been happy with him, but i certainly agree there can be good reason to search around for the best overall deal for each borrower.
no flowers for me. something looking like a contract has come, but i don't see a salary listed on there.
and after all the mortgage mess, i'm not even going to consider an ARM.
With that said, the people who are getting into trouble with the adjustable rate mortgages are those with poor credit.
I can't stress enough how strongly I would advise against buying a house unless you are absolutely certain you are going to stay in that city for something like 10 years.
Sure it is a "buyer's market" right now, I certainly agree with that. I just had a buyer make an offer on my house, ask for ridiculous demands and then walk away on the sale even though I agreed to everything, after wasting 2 weeks of my market time.
I went to check out houses vs. apartments near my residency recently and there are very nice houses available for a reasonable price. But don't forget that in just 4-5 short years, you could be that poor chap selling when there are a dozen other houses exactly like yours already on the market. The house would have to increase in value by over 25% just to recover the costs of closing, agent commissions, maintenance, real estate taxes etc. (Assuming you'd like to get your down payment back.)
I am doing a Hemepath rotation at the moment which is very good, but I am hardly learning anything because I have to jump out of my seat every 10 minutes to answer a phone call from my wife, real estate agent, or furnace guy. Luckily I'm a 4th year med student and I can get away with that.
Anyway, I don't want to be Mr. Raincloud over here, but don't let people fool you by saying, "You're wasting your money by renting."
Compare that with paying rent and spending anywhere from 8-20K per year that you'll NEVER get back and can't even deduct from taxes. That's like giving away 60K in 5 years, assuming your rent is $1000 a month (not very much).
Ah, but do you have someone to do the snow?I can't believe how ridiculously sweet it is to only pay one of my utilities and have somebody else mow the lawn and empty a free dumpster.
Meh.
Even if you don't get all your initial money back (which you easily could in 4-5 years) you would still get most of it back. Compare that with paying rent and spending anywhere from 8-20K per year that you'll NEVER get back and can't even deduct from taxes. That's like giving away 60K in 5 years, assuming your rent is $1000 a month (not very much).
The real problem is living in an expensive city where you just can't play this game because you don't have enough income/equity.
And then when the house can't be sold in the timeframe you'd like to see it sold, you're looking at putting it on the rental market, filtering through dumb CL responses, finding a management company or otherwise managing the property from afar after having moved for residency/fellowship.
@#$%^&!!
Ah, but do you have someone to do the snow?
Well shoot, Sean's example with actual numbers illustrates my point better than my wordy post.