Class of 2017!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!

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CriticalCond said:
Joining your ranks!
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Congrats man! I had been rooting for you

mcloaf said:
Also, the struggles of working for a public university. I was forced to pay into their retirement program at 5%. Since I only worked there for a year and I don't want to keep track of some random $500 in a retirement plan for the rest of my adult life and I'm about to take on a bunch of debt, I want to withdraw my money now. Gonna cost 20% income tax up front, I have to fill out a form and get it ****ing notarized, and wait 60-90 days for processing. Ugh.
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sinombre said:
I'm in the exact same situation. Not sure how heavily it's taxed here yet because the lady in charge of it has yet to return the 18 voicemails I've left her. But I paid something like $1500 into it. Really frustrating.
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Guero said:
Wow, re: the retirement accounts? I have well over $10k saved because I uber dropped into it and had the company match. But I'm planning to hang on to it since it grows so fast and in case something happens to me before I can reap the rewards of being an attending without student loan debt...

Smart or fart? Go!
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sinombre said:
Not a terrible idea if you didn't need the money. I didn't want to pay into it because I needed the money for high interest credit card debt from undergrad/applying to med school 🙁
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anguisette said:
I'm keeping my money in retirement too. I have too much in there to withdraw. Though I haven't quite figured out what I'm supposed to do to keep it there yet.
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What does this mean?

mcloaf said:
I'd keep it in there since that's an appreciable amount of money. For me the amount is so small that any growth I'd get will be outweighed by the time and annoyance of keeping track of it.
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Why would you keep it in?

Guero said:
Yeah, I figured keeping it in there was best. I'd love to have the money, but it'll grow fast and be cheaper to take it out later. It'd cost me like $2k just to withdraw it.
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Will it be cheaper? Why do you say this? Will it grow faster then 7% interest you will be paying on your debt?

I started a thread on this a little while back. I meant to talk to some 401k/IRA professionals to see what would be the smartest move, but I never got around to it (damn job). I will make some calls tomorrow and find out that answer. I do know you can wait untill you're in school and use the money without being penalized.

http://forums.studentdoctor.net/showthread.php?t=1001171
 
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Mdtichen said:
Haha k all set.
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The Beyonder said:
Congrats man! I had been rooting for you











What does this mean?



Why would you keep it in?



Will it be cheaper? Why do you say this? Will it grow faster then 7% interest you will be paying on your debt?

I started a thread on this a little while back. I meant to talk to some 401k/IRA professionals to see what would be the smartest move, but I never got around to it (damn job). I will make some calls tomorrow and find out that answer. I do know you can wait untill you're in school and use the money without being penalized.

http://forums.studentdoctor.net/showthread.php?t=1001171
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Will answer your Qs in your thread tomorrow. I have many more reasons. And yes, it grows far faster than 7%. My return for the past 5 years, even during the downturn, has hovered around 25%! Mine is a 403b, though, not a 401k.

Srsly, srsly, really getting off of this blood sucking contraption.
 
Guero said:
Will answer your Qs in your thread tomorrow. I have many more reasons. And yes, it grows far faster than 7%. My return for the past 5 years, even during the downturn, has hovered around 25%! Mine is a 403b, though, not a 401k.

Srsly, srsly, really getting off of this blood sucking contraption.
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OMG! You are still making $ on a 403b!!!
 
ImageUploadedBySDN Mobile1371088603.913860.jpg

Made an AC machine today. It work!

The best part is my job has an ice machine so the cooler is almost free!
 
BABSstudent said:
View attachment 24095

Made an AC machine today. It work!

The best part is my job has an ice machine so the cooler is almost free!
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Hahaha well done! I was thinking of making myself a swamp cooler ice chest a few weeks ago, but my girlfriend thought I'd cut my finger off or something 🙄
 
Guero said:
Will answer your Qs in your thread tomorrow. I have many more reasons. And yes, it grows far faster than 7%. My return for the past 5 years, even during the downturn, has hovered around 25%! Mine is a 403b, though, not a 401k.

Srsly, srsly, really getting off of this blood sucking contraption.
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25% a year for five years?? What are you investing in? That is growth of 300%. You must be a genius.
 
Read 1/2 of Pet Sematary is one day. Could not sleep all night. 😳
 
Guero said:
Nice! Stephen King is such a great read for times like that...
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Lol, it was because of that book I couldn't sleep. His books- at least, the ones before his accident- are the only things that can scare me into acting like a frightened five year old.
 
SilverCat said:
Lol, it was because of that book I couldn't sleep. His books- at least, the ones before his accident- are the only things that can scare me into acting like a frightened five year old.
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Hahaha, that's awesome. I've never been able to garner fear from a book. Disgust? Yes. Fear? No.

But I do tend to jump like a little girl when things pop out of the black against a backdrop of terrifying music in movies. 🙂
 
Last superhero movie I saw was Tranformers with my younger brother. Too cheesy for me. I wouldn't dream of seeing some Spiderman, Batman or Superman movie
 
Why are those movies so popular? Is it mainly adults who grew up on the comics?
 
SilverCat said:
Last superhero movie I saw was Tranformers with my younger brother. Too cheesy for me. I wouldn't dream of seeing some Spiderman, Batman or Superman movie
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I'm not particularly in to them either, but the first two Batman movies were seriously amazing. Definitely worth watching. I really didn't like the most recent one though.
 
SilverCat said:
Why are those movies so popular? Is it mainly adults who grew up on the comics?
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I've never read a comic book in my life, but I loved the dark knight movies. Give it a shot and see if you like it at all!
 
Guero said:
Congrats CriticalCond! Where will you be going!? Join the fb group! I somehow missed your post...
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Thanks!! The relief I feel is indescribable. What's this fb group I've been hearing about where all the cool kids hang out?
 
sinombre said:
You're a girl AND a Marvel fan?







Mind = blown
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Yeah, my boyfriend recently told me that his high-school-self never would have believed that ten years later his girlfriend would love comic book things more than he does. :laugh:

Edit: TOP!! :zip:
 
Man I love a good french press.


What are you all up to today?

I'm about to wipe the HD on my old laptop for a clean linux install, reset my old iphone so I can sell it before I leave, go drop off a bunch of dress shirts to have them taken in so they don't blouse, and then it's deadlift day. 🙂
 
mcloaf said:
Man I love a good french press.


What are you all up to today?

I'm about to wipe the HD on my old laptop for a clean linux install, reset my old iphone so I can sell it before I leave, go drop off a bunch of dress shirts to have them taken in so they don't blouse, and then it's deadlift day. 🙂
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Wow... sounds super productive. That french press must sure be doing the trick! :naughty:
 
Juan Solo said:
Wow... sounds super productive. That french press must sure be doing the trick! :naughty:
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Yeah, unfortunately my enthusiasm for french press has waned since I learned about Cafestol and my family history of heart disease. Will probably switch to paper filters at some point soon, maybe I can get some Hario stuff and still feel gourmet.
 
mcloaf said:
Man I love a good french press.


What are you all up to today?

I'm about to wipe the HD on my old laptop for a clean linux install, reset my old iphone so I can sell it before I leave, go drop off a bunch of dress shirts to have them taken in so they don't blouse, and then it's deadlift day. 🙂
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I've been french pressing my coffee just about every day for the past 8 years... I couldn't agree more.

Woke up at 6 and did some shoulder stuff, "working" til 5ish, then I'll probably just find something on Netflix and fall asleep. Desk jobs are so damn boring. Thank god my last day is a week from Friday.

My birthday's on Saturday and I have no idea what to do. Maybe I'll go to sf and check out a few museums (if they're even open on Saturday).

Also my girlfriend is done with her first year of vet school and now has literally nothing to do, so I'm getting bombarded with "I'm lonely" texts.
 
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