Where to put cash?

[corpsmanUP]

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Ok, I am hoping for some of my trusted regulars to chime in and give some advice on this issue. I am basically taking with me to residency about 150K in cold hard greenbacks and I am not sure what the hec to do with it. I just sold my current home and am aware that I do not need to pay capital gains tax on it since it has been my primary residence and since I lived in it 4 years...IRS verified it.

Since starting med school, I have always promised my family they would see no change in lifestyle from when I was a full time PA clearing 6 figs. So I moved all my equity on my previous home to my current home which allowed me to have a free house essentially, and I just worked on the side to keep pace with normal life expenses for kids and such.

Well I have basically decided that all I need is about an extra $1,500 a month above my residency salary to comfortably afford a nice home and pay all the bills....live large enough not to feel like a resident. What it comes down to is that I will only need about 55K over 3 years to enjoy life to this degree with the wife and kids, so the rest of the money is extra. So I am considering upgrading to a house in the "young attending" price-range...around 250K or so, and using the home as the investment for my money. Because I don't want to put it in the market at this point (still looking at another 30K of my money which should be a lot more if not for the .com days). I also don't want to leave it in some CD when my home could essentially be the CD, and I could enjoy the larger house while earning on it. So I am thinking I am going to drop like 70K on a house that is around 250K, and then use the other portion of my cash to supplement my lifestyle.

I guess I just want to hear from some of you smart guys whether or not you think its worth having the nicer house and having a nicer quality of living and still using the money as an investment. I know its a tad risky, but I am not worried about that.

Anyway, any of you gunners know any creative things I could do with it? As I stated, my goals are for the next 3 years to be no different than the rest of my life for my kids and wife. I was able to accomplish it in med school and it seems it'll be even easier in residency. FYI, I do still owe 90K in student loans but I am not at all desiring to start paying on those bad boys...except maybe the interest which is 3% per year.

Last tidbit of info.... I am going to do everything in my power to stay local wherever I do my residency so that my kids don't have to endure another move. I think I could pull off making the jump to junior faculty right out of residency, so that might help you to advise me.

 

[DrQuinn]

I would go ahead and make the jump. You'll atleast be making 40k a year, with decent benefits, so that should help. Pay the minimum on your school loans. 2-3% interest is nothing. I owe 200k and plan on not making any more than the minimum payment. Granted, that's for 30 years but what the hey-haw.

If you've been through four years of relative hell being in medical school, your kids and family deserve to enjoy a little bit. The three years will go by, but it would be nice to actually enjoy some of the fruits of your past labor. You're in a different situation than most, having made decent money as a PA, but the end is near, and I think its ok to live a little better than you normally would.

Hold off on the Porsche or BMW... but go ahead and buy a house with a finished basement and turn it into a game room or whatever.

Then put your extra 80k in graduated CDs that mature in 5 years, or just put it in the stock market.

Q

 

[BKN]

Wait until you see where you match before deciding to invest more in the house. Some housing markets aren't doing well others are doing OK.

Or just send the money to me, I'll tkae care of it.

 

[THP]

I was in a similar situation when I went to med school. I ended up sinking most of the money into the nicer house and saving some extra for emergencies/additional children and an upgrade of all our furniture.

I figured if I was going to move my family across country (away from inlaws) that the least I can do is try to maintain our life style. Life is too short to constantly worry about money.

From a long-term investment standpoint it would have been preferable to keep the original house and rent it, but the stress and reduced lifestye were not worth it. Also keep in mind that your earning potential after residency will be enough to not have to worry as much about your return on investment.

2 years later I am still happy with this decision.

 

[wook]

Ok, I am hoping for some of my trusted regulars to chime in and give some advice on this issue. I am basically taking with me to residency about 150K in cold hard greenbacks and I am not sure what the hec to do with it. I just sold my current home and am aware that I do not need to pay capital gains tax on it since it has been my primary residence and since I lived in it 4 years...IRS verified it.

Since starting med school, I have always promised my family they would see no change in lifestyle from when I was a full time PA clearing 6 figs. So I moved all my equity on my previous home to my current home which allowed me to have a free house essentially, and I just worked on the side to keep pace with normal life expenses for kids and such.

Well I have basically decided that all I need is about an extra $1,500 a month above my residency salary to comfortably afford a nice home and pay all the bills....live large enough not to feel like a resident. What it comes down to is that I will only need about 55K over 3 years to enjoy life to this degree with the wife and kids, so the rest of the money is extra. So I am considering upgrading to a house in the "young attending" price-range...around 250K or so, and using the home as the investment for my money. Because I don't want to put it in the market at this point (still looking at another 30K of my money which should be a lot more if not for the .com days). I also don't want to leave it in some CD when my home could essentially be the CD, and I could enjoy the larger house while earning on it. So I am thinking I am going to drop like 70K on a house that is around 250K, and then use the other portion of my cash to supplement my lifestyle.

I guess I just want to hear from some of you smart guys whether or not you think its worth having the nicer house and having a nicer quality of living and still using the money as an investment. I know its a tad risky, but I am not worried about that.

Anyway, any of you gunners know any creative things I could do with it? As I stated, my goals are for the next 3 years to be no different than the rest of my life for my kids and wife. I was able to accomplish it in med school and it seems it'll be even easier in residency. FYI, I do still owe 90K in student loans but I am not at all desiring to start paying on those bad boys...except maybe the interest which is 3% per year.

Last tidbit of info.... I am going to do everything in my power to stay local wherever I do my residency so that my kids don't have to endure another move. I think I could pull off making the jump to junior faculty right out of residency, so that might help you to advise me.

If you are not going to change your lifestyle, I would look at a Roth IRA. I'm guessing that your income for this year and through residency will be below the threshold to invest in a Roth. Once you get a Doc's salary, that will no longer be the case, so my vote is put the money into a savings account (this will also give you liquid assets with unforseen emergencies, as well as those fun things that you may not want to share with the rest of us), and deposit a set amount each month into the Roth IRA. By investing monthly, you are buying more when the value of the fund is lower, and buying less when the fund costs more.

Yours and the other posters suggestion on paying minimum into the student loans makes lots of sense. The rates are so low, you'd get make more money investing than paying off the loan.

My 2 cents, but I'm no expert. I'll be pretty much trying to figure the same thing in about 4 months.

Wook

 

[SoCuteMD]

Socute seconds the ROTH suggestion. Great idea - max out your contributions during residency because you sure as heck won't be eligible once it's over!!

 

[USCDiver]

I'd like to 3rd the Roth suggestion. Although you'll only be able to contribute, I think, $4000/year over 3 years. So put away $12,000 or so in a no fee, decent return Money Market or something and move it over to Roth at the beginning of each year. Actually, I'd go ahead and fund your Roth for this year (even though you aren't making any money now, you will be). The earlier the better basically.

So you'd still have the rest of that money available. I think your idea of putting it into a house is a good idea. Although, depending on where you go, you might not have to spend $250k to get a decent house. You're mortgage payment is going to be your biggest single expense each month and the more you can minimize that, the more you'll have to spend on your family.

 

[tiene dolor?]

I would probably not sink it into a house at this point in time.

The housing market nationwide is slowing considerably at the moment. There are more houses on the market, and they are listing longer than any point in the past several years. It's not really clear whether this is going to be a 'soft' landing from the red hot housing market of the last decade - or whether it is going to be a bubble bursting.

Do you want to buy a house at peak market value, only to see it devalue over the next 5 years? Obviously this is less of an issue if you're looking to buy over a much longer horizon.

 

[11-44]

Since you're at it, I'd suggest investing in a firearm larger than a S&W .380. Git yourself a REAL bear-stopper.

 

[tiene dolor?]

coke and hookers?

 

[colforbinMD]

coke and hookers?

Both lucrative investments when done right but as anyone knows who watched the oscar's tonight, it's kinda hard out here for a pimp

 

[EctopicFetus]

I'd like to 3rd the Roth suggestion. Although you'll only be able to contribute, I think, $4000/year over 3 years. So put away $12,000 or so in a no fee, decent return Money Market or something and move it over to Roth at the beginning of each year. Actually, I'd go ahead and fund your Roth for this year (even though you aren't making any money now, you will be). The earlier the better basically.

So you'd still have the rest of that money available. I think your idea of putting it into a house is a good idea. Although, depending on where you go, you might not have to spend $250k to get a decent house. You're mortgage payment is going to be your biggest single expense each month and the more you can minimize that, the more you'll have to spend on your family.

The only other thing ill add to the discussion is these 3 things..

1) Corpsman can also put money in for his wife which would essentially double his contribution while a resident.
2) You cant put in money you havent earned so if you earned money in 2005 then you can put money in a IRA for 2005 until April 15.
3) Clearly this is the best tax free way for you money to grow and there is no penalty if you take out the prinicipal but I would not take it out once you put it in.

 

[NinerNiner999]

4th the Roth IRA - for you AND your wife. I would also invest a large chunk into a tax-deferred college savings account for your children. Finally, if your program offers a 401(k) or 403(b), I would max the annual contribution and have the program match their percentage. These three moves should turn about $80k over three years into over $400k total down the road. Keep the other 70k and have some fun...

 

[Hercules]

1) Corpsman can also put money in for his wife which would essentially double his contribution while a resident.
2) You cant put in money you havent earned so if you earned money in 2005 then you can put money in a IRA for 2005 until April 15.
3) Clearly this is the best tax free way for you money to grow and there is no penalty if you take out the prinicipal but I would not take it out once you put it in.

Agree except for one clarification on number 3. I think you actually take a pretty significant hit if you withdraw from a Roth IRA before you are 59 1/2 (unless you use it on a first-time home buyer expense which sounds like it wouldn't apply to you). That said, I would also max out your contributions for both you and your wife.

So if you match this year you could put away 8K in '06, 8K in '07, and 10K in '08 and '09 (if you're in a 4 year program).

 

[mward04]

I think I could probably go postal on someone right now...wrote a long response and it all got deleted! Arrrrgh.

Anyway, let me summarize what I said. Feel free to ask any questions:
*Park any unused cash in a money market earning >4% (i.e. HSBCDirect)
*I completely agree with the Roth for you, your wife and to include 2005
*Consider index funds (Russell 2000, S&P500 etc) -they'll beat the pants off of most mutual funds and have a helluva lot less fees
*Consider a credit card (if you are good at paying your debts) that has cash back. 2 good options include AMEX Blud (no fees, tiered rewards) or, if you have kids, the Fidelity 529 credit card (2% back, no fees).

Mike

 

[WilcoWorld]

It's been said that a doctor who thinks he can treat himself has a fool for a patient.

I think that a doctor who relies on doctors for financial advice... wont be retiring early.

 

[11-44]

It's been said that a doctor who thinks he can treat himself has a fool for a patient.

I think that a doctor who relies on doctors for financial advice... wont be retiring early.

First, have you really looked at the advice given? It is both general in nature and the financial principles cited are widely held by the retirement plans of most sectors of society.

I believe the collective wisdom on this thread alone (and experience for that matter) half exceeds twice your age.

Since you are into perverting aphorisms-

Yet he was jealous, though he did not show it, for jealousy dislikes the world to know it.

 

[docB]

I think that your house will continue to be a good investment despite the slowdown in the housing market. It will be difficult to lose money if you invest in your primary residence. The growth will not be at the levels it has been and the sale may take longer but the traditional housing market is used to ~8% appreciation and 60-90 day sale times. The people who might lose money in this market are the speculative investors (people who buy several houses and intend to hold them for a few months and then resell them) and the people who overbuy and wind up without any equity.

 

[flighterdoc]

Since you're at it, I'd suggest investing in a firearm larger than a S&W .380. Git yourself a REAL bear-stopper.

Yeah, what he said. REAL pistol calibers start with a 4 and end with a 5.

 

[flighterdoc]

It all depends on what the housing market is in your neighborhood now, and what you think it will be in 3 years (end of residency) -- unless you're planning on staying in the area.

If you're planning on staying in the area, put the money into the house.

If you're not sure, or planning on moving, put the minimum (30 year, or 5 year fixed/ARM) in the house, and then the Roth.

At any rate, you're doing well by asking the question in the first place.

 

[kungfufishing]

Or just send the money to me, I'll tkae care of it.

no, send it to me. Ill take even better care of it. really.

 

[corpsmanUP]

It's been said that a doctor who thinks he can treat himself has a fool for a patient.

I think that a doctor who relies on doctors for financial advice... wont be retiring early.

I treat myself all the time. I trust myself in that capacity more than most. Who has more to gain from the outcome of the patient encounter...myself, or the provider. We all know VIP care sucks, and thus a good physician is forced to treat themself much of the time. But a good physician knows when to consult. This is one of those cases. Perhaps you can make up a nice rhyme about that and rap about it the next time you get all pimped out with your parodies 😉

 

[DeLaughterDO]

Hey corpsman;

You could send a bit of that extra cash my way... I could find some good uses for it! 😉

So, now that you've sold your house, where are you living?

l8r,

jd

 

[corpsmanUP]

Hey corpsman;

You could send a bit of that extra cash my way... I could find some good uses for it! 😉

So, now that you've sold your house, where are you living?

l8r,

jd

I am leasing it back from the buyer until the end of May. I just wanted to close early so I had more cash in hand to bargain with when buying my new house later this month.

 

[EctopicFetus]

I think general advice on here is fine for details a pro might be a good option if you arent sure because if you know enough about your options you can calculate which is best for you but if you dont know the options or the benefits of the options you could be leaving some of the proverbial money on the table.

All that said from prior discussion I know Niner knows a ton on this stuff and my old man is a stock broker/financial advisor, so I know who I can go to if I dont know. Anyways I dont think it is bad to ask Q and take advice on here.

Willy if you really believe that having a "professional" manage your money without knowing much about what they are doing you might NEVER retire. For all the commercials from JP Morgan (or whoever) at someone graduation I cant even begin to tell you some of the ways smart wealthy people have been screwed by less that scurpulous financial "advisors".

 

[aidan44]

I'd like to 3rd the Roth suggestion. Although you'll only be able to contribute, I think, $4000/year over 3 years. So put away $12,000 or so in a no fee, decent return Money Market or something and move it over to Roth at the beginning of each year. Actually, I'd go ahead and fund your Roth for this year (even though you aren't making any money now, you will be). The earlier the better basically.

So you'd still have the rest of that money available. I think your idea of putting it into a house is a good idea. Although, depending on where you go, you might not have to spend $250k to get a decent house. You're mortgage payment is going to be your biggest single expense each month and the more you can minimize that, the more you'll have to spend on your family.

Where is this that a nice house is in that range? The Northeast is killing me..

 

[corpsmanUP]

Where is this that a nice house is in that range? The Northeast is killing me..

I'm not sure where you are from, but the average American 3Br 2Bath home runs well less than 200K. And I did all my homework on the front end of applications so as to not end up in some place where housing was terribly expensive. I truly believe I will end up at one of my top 3 places, and each one of these places has affordable housing.

Indianapolis- quite honestly the cheapest place on my list. We are looking at 4Br 2.5 bath, 2 car garage, + finished basement, all less than 10 years old...nothing we are looking at seems to average more than 200K.

Rochester,Mn- lots of bi-level homes. We are looking in the 4Br, 2Bath, 2 LR, 2 car garage range....all less than 6 years old- 185-225K.

Iowa City, Ia- 185K-235K for the same stuff above.

And other standouts on my rank list...

El Paso- truly the nicest and cheapest housing if you adore Adobe/Stucko southwestern style homes with Saltillo tile.

Peoria- dirt cheap, castles for pennies!

Columbus- see Peoria

The most expensive places on my list were Hershey, Pa, and Chicago, Il.

 

[Seaglass]

You are going to a residency where they will let you moonlight making 1,500 a month from day one? I've never heard of that. Remember once you get that diploma you are an MD - not a PA, and you have the liability of an MD. At least that's what I was told.

 

[EctopicFetus]

Corpsman is right. many parts of the country are affordable but the reality is many markets are becoming less and less affordable. Here in Chicago an 800 sq ft condo in a decent neighborhood runs over 250K and if you want 3 bedrooms for that price you will be in the boonies. Throw in ANY of the big cities in the NE and most of them in the west. That being said the cities on his list are much smaller in size than Chicago, NY, Boston, LA.

 

[corpsmanUP]

You are going to a residency where they will let you moonlight making 1,500 a month from day one? I've never heard of that. Remember once you get that diploma you are an MD - not a PA, and you have the liability of an MD. At least that's what I was told.

Please step away from the computer, walk over to the television and turn it off, shut the door to your room, and read this thread from beginning to end. Then ask yourself if you still think the $1,500 I mentioned had anything to do with moonlighting. I'll give you a hint......IT DID NOT. ITS MY MONEY......ALREADY!!

But since you morphed the thread, I'll follow your dance steps 😉 As a PA, if I wanted to work on the side in intern year I could absolutely do it. It is a separate profession and one that does not fall under the category of moonlighting. I have a friend who is a sonographer, and worked his entire intern year about 20 hours a week. I don't actually have to give up my PA license until I obtain a permanent license.

 

[11-44]

Please step away from the computer, walk over to the television and turn it off, shut the door to your room, and read this thread from beginning to end. Then ask yourself if you still think the $1,500 I mentioned had anything to do with moonlighting. I'll give you a hint......IT DID NOT. ITS MY MONEY......ALREADY!!

But since you morphed the thread, I'll follow your dance steps 😉 As a PA, if I wanted to work on the side in intern year I could absolutely do it. It is a separate profession and one that does not fall under the category of moonlighting. I have a friend who is a sonographer, and worked his entire intern year about 20 hours a week. I don't actually have to give up my PA license until I obtain a permanent license.

Yep. "You would be advised to back off and check your mouth at the door. Most all of us know each other very well here and know how to joke with each other without offending one another."

Clearly, I now fully understand. If only I had joined 5 months sooner.

 

[FoughtFyr]

But since you morphed the thread, I'll follow your dance steps 😉 As a PA, if I wanted to work on the side in intern year I could absolutely do it. It is a separate profession and one that does not fall under the category of moonlighting. I have a friend who is a sonographer, and worked his entire intern year about 20 hours a week. I don't actually have to give up my PA license until I obtain a permanent license.

While you are correct in terms of the licensure, it may not be as simple as you describe. There are many residencies that prohibit any work outside of residency, even if it is not medically related, without express consent. I have to imagine that the question of scope and liability might arise and be cause for both pause and concern with regard to an intern working as a PA. Some programs might prohibit it.

But that is just the opinion of your favorite frat boy

- H

 

[FoughtFyr]

Yep. "You would be advised to back off and check your mouth at the door. Most all of us know each other very well here and know how to joke with each other without offending one another."

Clearly, I now fully understand. If only I had joined 5 months sooner.

Actually, Corpsman has been around a good while longer than that under a different screen name...

Just a point of correction. Not trying to get huffy, as I am sure he will defend himself.

- H

 

[colforbinMD]

Yep. "You would be advised to back off and check your mouth at the door. Most all of us know each other very well here and know how to joke with each other without offending one another."

Clearly, I now fully understand. If only I had joined 5 months sooner.

OH snap. It's on now

 

[corpsmanUP]

Yep. "You would be advised to back off and check your mouth at the door. Most all of us know each other very well here and know how to joke with each other without offending one another."

Clearly, I now fully understand. If only I had joined 5 months sooner.

You definitely are new since you don't know that I was a different screen name than I am now. I'm honestly not trying to give you a ton of grief 11-44, just a little 😉 There are places on this forum to really let your attitude loose, but traditionally the EM forum has been a group of rather close-knit individuals who like to stay within each other's good graces. A time or two you will find an exception. All I am saying is you will never gain respect from the vast majority on the EM side of the house here if you continue your present course. You are obviously welcome to stay and chat, but perhaps you could try and bridge the gap between obnoxious and offensive to opinionated and yet respectful. But dance as you wish....just don't be surprised if you find yourself without a partner looking like Napoleon when no one wants to argue with you any longer.

 

[Hawkeye Kid]

Whoa, how come I never knew that you once lurked here under a different alias? I've been around awhile (admittedly not as long as docB, FF, quinn, et al) and I had no idea. In fact, I remember not long ago thinking "Wow, this corpsman dude came outta nowhere with a posting frenzy." At least I'm not the only one who was in the dark, I guess. Who'd you used to be? And why the change--they didn't ban the old you, did they, corpsman? (Or, are you like me and had to change names because you couldn't remember your password???)

 

[corpsmanUP]

Whoa, how come I never knew that you once lurked here under a different alias? I've been around awhile (admittedly not as long as docB, FF, quinn, et al) and I had no idea. In fact, I remember not long ago thinking "Wow, this corpsman dude came outta nowhere with a posting frenzy." At least I'm not the only one who was in the dark, I guess. Who'd you used to be? And why the change--they didn't ban the old you, did they, corpsman? (Or, are you like me and had to change names because you couldn't remember your password???)

Nah, was not banned. I was never really a regular on the EM side of the house until last summer. I then decided to change screennames to pay respects to my brothers (fellow corpsmen) now dying in a new war. Navy corpsman are truly the most highly trained medical corps in the world, and I felt having a screenname that reflected my devotion to this corps would strike up more meaningful conversations with those I really wanted to talk to. Also, my previous screenname was too "med student" sounding and I wanted something that went better with graduating....something I could keep using down the line and not feel like a weenie. In 11-44's defense, I did just start posting regularly on the EM forum this last year, so I am somewhat of a sophomore around these parts. Actually if you ask FF, he just found out yesterday that I was a former regular on SDN.

The funny thing about it is that he actually dug up some old arguments we had shared and I felt rather embarrased having said some of the things I said to him previously. You think you have someone pegged here until you start to realize that we all share more in common than not. If anything though, the example of FF and I arguing like children a while back should show you that in a different setting we all likely would get along very well. Its funny...I went to my pre-interview dinner at Mayo and FF was at the table talking to me....stopped mid sentence after I muttered merely one sentence, and said..., "You're Corpsman aren't you?"!! He was dead on....scary dead on!

He ended up being one of the most (if not THE most) helpful and kind people on the interview trail this year. If I had made my rank list based on my best experience at each program, Mayo would undoubtedly have been my top choice over all. I look back and cringe at some of the arguments I shared with him and some of the dumb things I said. I just don't want you to endure the same 11-44.

I have calmed considerably from my previous screenname. I used to use SDN as my therapeutic means by which to express myself and I found arguments a good way to do just that. I actually found myself arguing on different sides of the same argument depending on who I was arguing against. Some people like MacGyver were so obnoxious that I just had to argue against whatever they were debating.

But I matured about 50% and decided that SDN was actually a place with real people and where real relationships were made. Its fine to get on an anonymous forum and verbally abuse one another if you have no intention of ever having a collegial relationship with these people. And occassionally I still get in a tiff with those outside the EM forum where I know these people no more than I know the man in the moon. But here, where specialty driven information brings us together and likely to encounter each other in real life many times in thr future, I find it disrespectful to take such a tone with each other.

Thats all I have to say on the issue. Feel free to say and do whatever you wish. I'll continue to only act like a complete idiot on the allnurses.com forums where I have officially been banned 3 times!! You want to talk about some people that hate physicians.....just go hang out there for about 5 minutes!!

 

[DeLaughterDO]

Corpsman;

I seem to remember you being banned at least once under your previous screenie - probably because of one of your throw-downs with MacGyver!!

Anyway, glad to see that you've changed your argumentative ways a bit.

and btw, since we seem to be legitimizing ourselves, I've been lurking here longer than corpsman has wanted to practice EM... 😀 🙄

PS - when are we gonna get together again and hang at the old bull and bush? I haven't had a guinness in ages!!

 

[colforbinMD]

Now I'm dieing to know what your old screenname was. I too thought you were a (relative) newbie corpsman. Of course I have read very little SDN outside of the EM forum in the past 4 years so even if you told me your old name I might not know it. It would make for some interesting searching though 😀 I think I have been around for about 4 or 5 years and have had at least 3 if not 4 screenames in that same time. Never been banned though. I gotta work on that. 🙂

 

[NinerNiner999]

...SDN was actually a place with real people and where real relationships were made.

Wait a minute, am I on Eharmony.com... Oh there it is - the banner says SDN 😀

 

[corpsmanUP]

Wait a minute, am I on Eharmony.com... Oh there it is - the banner says SDN 😀

Okay Niner, to save you from having to walk aimlessly down to Pimlico to get a verbal or real beating, I'll give you a freebie to show you I still have my edge. F*c* off, kiS$ my fat biracial a$$!! 😉 Better...we all buds again?

 

[DeLaughterDO]

ahhh, man... no "two neurons held together by a spirochete" comment? I was really looking forward to that one!

 

[Seaglass]

Actually a PA and a physician are almost the same job - both require diagnosing and treating which you don't do as a sonographer or rad tech, etc. As for the fact you already have the money - sorry, I missed that, thanks for correcting me 🙄

 

[EctopicFetus]

A time or two you will find an exception. All I am saying is you will never gain respect from the vast majority on the EM side of the house here if you continue your present course.

Clearly this refers to me. 😀

 

[corpsmanUP]

ahhh, man... no "two neurons held together by a spirochete" comment? I was really looking forward to that one!

Anyone who runs a search of that one will figure out who I was.

As for the moonlighting part Seaglass, I don't plan to do ANY type of extra work in the first year, and maybe never. The kind of work you do moonlighting in urgent care clinics is stuff I really don't want or need to do. If anything, I plant to focus more on my reading when off. Off time is off time for me.