tag:blogger.com,1999:blog-3138625163039637769.post1010260020093554765..comments2024-03-12T14:43:01.539-06:00Comments on Asystole is the Most Stable Rhythm: Education Debt IS Bad DebtAlbinoblackbearhttp://www.blogger.com/profile/15222730484450544498noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-3138625163039637769.post-71513654092434102772019-04-10T10:31:22.421-06:002019-04-10T10:31:22.421-06:00GOOD DAY AND WELCOME TO STANDARD ONLINE FINANCE LT...GOOD DAY AND WELCOME TO STANDARD ONLINE FINANCE LTD<br />Do you need 100% Finance? I can fix your financial needs with a lower back problem of 3% interest rate. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. flexible repayment, Contact us through our E-mail at: standardonlineinvestment@gmail.com<br /><br />Apply now for all types of loans and get money urgently!<br />* The interest rate is 3%<br />* Choose between 1 and 35 years of repayment.<br />* Choose between monthly and annual repayment plan.<br />* Terms and conditions of the flexibility of loans.<br /><br />Regards,<br />Mr. Abdul MuqseStandard Online Financehttps://www.blogger.com/profile/10248659161829797519noreply@blogger.comtag:blogger.com,1999:blog-3138625163039637769.post-1161211884936075472017-03-22T15:37:09.046-06:002017-03-22T15:37:09.046-06:00@Kate Congrats on finishing and on re-entering the...@Kate Congrats on finishing and on re-entering the paid work force! <br /><br />You're much better off than most in that you are thinking about all these concepts now, not 10, 15, 20 years from now!!!<br /><br />Konmarie is amazing - though my husband is going a little crazy with the fact that every time he turns around a few more of our possessions are in boxes in our garage on the way to the second hand store, dump, or needy friends. ;) <br /><br />Good luck with your transition to residency and keep the faith! No one said it would be easy, just that it would be worth it. Albinoblackbearhttps://www.blogger.com/profile/15222730484450544498noreply@blogger.comtag:blogger.com,1999:blog-3138625163039637769.post-67074218690508716752017-03-22T15:31:54.133-06:002017-03-22T15:31:54.133-06:00@SD - Wow ! That's awesome that you were able ...@SD - Wow ! That's awesome that you were able to increase your net worth in fellowship! I wish I'd started this road in residency but I've let it go. :)<br /><br />Yeah, I love the change in philosophy that MMM gave me with seeing money as something that can work for you, not the other way around! <br /><br />I have friends that are doing the same strategy as yourself. Dave Ramsay speaks directly about the pitfalls of investing/saving while having big debt and it's more in line with my (now) claustrophobic fear and hatred of my line of credit. Like you say, to each his own. Bottom line is it feels so much better now to have a plan and to feel in control! Albinoblackbearhttps://www.blogger.com/profile/15222730484450544498noreply@blogger.comtag:blogger.com,1999:blog-3138625163039637769.post-73384111277783539022017-03-22T11:04:55.384-06:002017-03-22T11:04:55.384-06:00This is the process I went through after discoveri...This is the process I went through after discovering Mr. Money Mustache in my last year of fellowship. The whole idea of early retirement and of using money to buy freedom instead of things completely changed my way of thinking. I went from adding to my debt in residency (despite earning almost twice as much as an average family in my city) to increasing my net worth by $20,000 in my last year of fellowship.<br /><br />I have a similar sized LOC to you (which thankfully is my only debt), but I've taken a very different approach to my finances. I'm paying the LOC off over ten years, and I'm pouring all of my excess (about 2/3 of my salary overall) into RRSPs and eventually investments through my corporation when I run out of RRSP room. My tax rate is about 45%, so to me it makes a lot more sense to invest pre-tax dollars in an RRSP that earns 6-7% than it does to pay 45% in taxes and use the remainder to pay off an LOC at 2.8%. But that's just me! Good luck with getting your finances in order.<br /><br />Kate - I miss your blog! Let me know if you ever start blogging again and I'll post about it on my blog to generate some traffic (if anyone ever reads my infrequently updated blog, that is). Congratulations on finishing medical school!Solitary Diner (Also Known as The Frugalish Physician)https://www.blogger.com/profile/01239189582752445700noreply@blogger.comtag:blogger.com,1999:blog-3138625163039637769.post-30244201978453817702017-03-21T09:47:16.789-06:002017-03-21T09:47:16.789-06:00I just had my financial aid exit interview for a r...I just had my financial aid exit interview for a run-of-the-mill US allopathic school (250k eep!) and am in the process of packing up for a cross-country move for residency. This post is my life right now! I have been breathing Konmarie and, other than choosing the small, less convenient and much less expensive apartment, burying my head in the sand about the debt. I'll make a point to watch/read your recommendations when I finally have an income! Katehttps://www.blogger.com/profile/12929523388143640833noreply@blogger.com