#then i apply to be a real MD (residency)

[desicosplay]

because apparently I need to “redirect my energy” into advocacy in order to help with the overwhelming feeling of loneliness, lack of community, and silence from my medical school, here’s the link to my resources for justice page, which has:

- Articles - Organizations - Shops - Toolkits - Self-Care - Books (oh lord are there books)

https://desicosplay.tumblr.com/justice 

#feel free to add on to this post or send me stuff to add #tldr; a member of an lgbt advocacy board told me i should get involved in advocacy more to feel hope again #when the issue i had broached was that no one was making sure students were okay and that i felt alone and unsupported because of the silenc #in case you don't know how med school works #i have to learn the ins and outs of the entire human body in two years #including diseases disorders and what normal looks like #then the following two years are clinical experiences #then i apply to be a real MD (residency) #so rn on top of balancing calling legislators every two days #i'm studying for a practical and written exam on the brain #which includes things that neurologists are like 'that's overkill for a PCP' #and there's literally so much that we are taught that we are not permitted to have jobs the first two years and are discouraged the second 2 #my 9-5 (sometimes 9-10PM) is studying and lecture #anyways #yea

[beyourselfchulanmaria]

The old mechanical view of death is outdated.

With so much death all around us, from the pandemic to the war in Ukraine to all the mass shootings, you might wonder what it all means. Queen Elizabeth gone. Betty White gone. And perhaps even a loved one of yours gone. They no longer exist, right? They are just memories, at least from a rational scientific perspective. But what if you’re wrong?

Dr. Caroline Soames-Watkins also believed that the world around her existed as a hard, cold reality ticking away like a clock. Death was a foregone conclusion—until she learned different. Caro, the protagonist of my new novel co-written with award-winning sci-fi author Nancy Kress, also thought she had the world figured out. Not her personal world, which has been upended by controversy, but how the physical world works and how her consciousness operates within it. Broke and without a job, she accepts a job offer from her great-uncle, a Nobel Prize-winning scientist who runs a research facility studying the space between biology and consciousness—between the self and what we assume is reality. They are on the verge of a humanity-altering discovery, which throws Caro into danger—love, loss, and death—that she could never have imagined possible.

Observer takes Caro on a mind-expanding journey to the very edge of science, challenging her to think about life and the power of the imagination in startling new ways. The ideas behind Observer are based on real science, starting with the famous two-slit experiments, in which the presence of an observer affects the path taken by a sub-atomic particle, and moves step-by-step into cutting-edge science about quantum entanglement, on-going experiments applying quantum-level physics to the macro-world, the multiverse, and the nature of time and consciousness itself.

Death represents a break in the linear continuity of space and time

Our classical way of thinking is based on the belief that the world has an objective observer-independent existence, and so we think life is just the activity of carbon and an admixture of molecules—we live a while then rot in the ground. We believe in death because we associate ourselves with our body and we know bodies die. End of story.

Only that story is false, and a long series of experiments suggests death is not the terminal event we think—rather, it just represents a break in the linear continuity of space and time.

Einstein was right. After the death of an old friend, he wrote “Now Besso has departed from this strange world a little ahead of me. That means nothing. People like us, who believe in physics, know that the distinction between past, present and future is only a stubbornly persistent illusion.”

For example, you are young in one ‘now’, and you will experience wrinkles and graying hair in another ‘now.’ But in reality, they all exist in superposition. I like to think of it like one of those old phonographs. Listening to the music doesn’t alter the record itself. Depending on where the needle is, you hear a certain song. This is the present—the music before and after the song is the past and the future. In like manner, every moment endures in nature always. The record doesn’t go away. All ‘nows.’ Like all songs on the record, exist simultaneously, although we can only experience it piece by piece.

Immortality doesn’t mean a perpetual existence in time—it resides outside of time altogether.

We generally reject the idea of multiple universes as science fiction, but it turns out there is scientific support for this popular genre. One well-known aspect of quantum physics is that observations can’t be predicted absolutely. Instead, there is a range of possible observations, each with a different probability. One mainstream explanation, the ‘many-worlds’ interpretation, states that each of these possible observations corresponds to a different universe –the ‘multiverse.’ There are an infinite number of universes, and everything that could possibly happen occurs in some universe. Death does not exist in any real sense in these scenarios. All possible universes exist simultaneously, regardless of what happens in any one of them.

💫 Our bodies may die but as Einstein said, that means nothing. Our consciousness continues to exist just as surely as the songs on the vinyl record.

#the truth about death #robert lanza

[txemrn]

Would you elaborate on why you think Ethan and OH MC should not be together? Is it because of the age difference and different levels of maturity? Career? Personality/temperament differences? I'm really curious. I think that throwing the canon away required a certain amount of courage :) And I also want to say that I appreciate your Tatuum creation and how she suites Ethan. (1/2)

Hey, Anon!

Thank you so, so much for your Ask and your comments! I appreciate your curiosity! 💜

I want to preface my answer with this: this is my opinion and how I view these characters. I am more of a realist, and a lot of my views are based off of the question, "Now, would that really happen?" Some people in the fandom take Ethan x MC very seriously, and I respect that. I am not here to argue, nor are my intentions to insult others because of their passion for these beloved characters.

So, why shouldn't these two be together? You are actually hitting the nail on the head with your questions! They have some major differences that I believe in reality would cost them a healthy, long-lasting relationship.

The first thing I want to point out is this: if a man wants to be with you, he's going to be with you. If he's making excuses or keeping you hidden or is being wishy-washy*, a re-evaluation needs to happen. He either doesn't want to be with you like that, or he's not ready for a relationship and YOU need to back away.

Now, I can already hear someone saying, "But she was his subordinate, and they weren't allowed to fraternize!" And my response is this: a man at his caliber that has worked his ass off to get where he's at would go through the appropriate channels to be with you... if he wants to be with you.

*Some call it a "slow burn" and think it's romantic; I call it being "hot and cold" ... (and yes, I still chose him lol)

Let's talk about age, maturity and career. There is a fairly large time gap between Ethan and MC. It's not about age as a number; they are both in 2 completely different stages of their lives. Here's Ethan, this established, well-respected, world-renown, published physician. He has been through some life experiences as well as career experiences that you can't teach. He's tough, comes across as an asshole because he has learned the cost of being a physician; he understands the gravity of having patient's lives in his hands. And let's not forget his childhood and abandonment issues, not to mention something has happened in his life where he's been conditioned with a desire to prove people wrong (I actually HC him starting out as a poor student because of this; telling an advisor he wants to be a doctor and being laughed at because he didn't have the grades).

MC is a fetus MD. She literally just got out of school a couple of months ago. She has been in school for the past 6 years, not experiencing the real world--only doctor world. She's a novice, VERY inexperienced, literally a rookie. Interns are given shit for being newbies even though they are very, very smart... but they are still learning how to apply theory to practice, and truthfully, they don't become proficient until spending several years with patients and caring for them.

Quite frankly, I don't know one attending that would be like, "sure, I'll hang out with the interns"--and those are the nice ones. I would cringe and be embarrassed for this poor pixel when MC would bring him around her resident friends.

But... I think the thing that bothers me the most is the fact that I felt like Ethan, this established nearly 40-year-old man, has to change who he is in order to make it work with this young baby doctor MC. Is it possible they just weren't meant to be? I'll be honest: I don't understand his attraction to MC in the first place based on what he seems to value.

Some people call it "growth", and sure, maybe he has as a person. We're never done growing, and even relationships change us and grow us. But watching this hard-ass, God-complex asshole that is married to his job suddenly go soft, sharing his feelings and becoming touchy-feely with MC was bizarre to me (MC became his therapist).

Side note: do you remember when everyone was getting pissed off because Ethan wouldn't say "I love you" ... my eye still twitches to this. lol

Now, I understand this: Open Heart is a game. People play it almost like it's a fairy tale. The idea of having a secret love affair with your boss, and his hot and a doctor and smart... *swoon* I get it. It is hot (and when he says that big words, come to mama! lol)!

The same thing goes for writing fanfiction. I think people enjoy the fantasy of Ethan Ramsey; the idea that they can save a man from himself and change him and making outwardly more loving and gushing and openly sexual and romantic...

And you know? How dare I poo-poo on someone's fun, you know? Coming on here and daydreaming about Ethan (or any of the LI; Liam or Sam or Adrian, etc) serves as some readers/writers escape from reality. But... I think it's important that we have a healthy recognition of reality and why certain things actually wouldn't work.

Anyway, thank you so much for the thoughtful question! I hope this makes sense and serves to clarify my realistic views on Ethan x MC and why I personally just don't buy it.

*hugs*

(Part 2 to come lol)

#you asked #i tried lol #open heart #ethan ramsey #ethan ramsey x f!mc

[prasadmedicals]

Are Clinical Rotations Hard? A Comprehensive Guide from Prasad Medical Center

However, many aspiring medical professionals wonder, “Are clinical rotations hard?”

In this article, we will delve into the challenges and rewards of clinical rotations and how Prasad Medical Center can help you make the most of this invaluable learning experience.

Understanding Clinical Rotations

What Are Clinical Rotations?

Clinical rotations, often referred to as clerkships, are an essential component of medical education.

During these rotations, medical students have the opportunity to work alongside experienced healthcare professionals, gaining practical knowledge and skills in real healthcare settings.

The Importance of Clinical Rotations

Clinical rotations allow students to bridge the gap between theoretical knowledge and practical application.

They offer a hands-on learning experience, helping students develop clinical skills, bedside manner, and a deeper understanding of patient care.

Challenges Faced During Clinical Rotations

The Learning Curve

One of the primary challenges of Clinical Rotations is the steep learning curve.

Students must quickly adapt to the fast-paced hospital environment, understand medical procedures, and apply their knowledge effectively.

Time Management

Balancing clinical responsibilities, studying, and personal life can be challenging.

Clinical Rotations for International Medical Students in USA demand excellent time management skills to juggle various responsibilities effectively.

Emotional Challenges

Coping with these emotional challenges is an integral part of clinical rotations.

Prasad Medical Center: Your Ideal Clinical Rotation Partner

Meet Dr. Ankineedu N Prasad

At Prasad Medical Center, we understand the challenges that medical students face during clinical rotations.

Dr. Ankineedu N Prasad, MD, FACP, FASN, our board-certified specialist in internal medicine and nephrology, leads our team.

With over 33 years of experience, Dr. Prasad is dedicated to providing students with a rich learning environment.

Why Choose Prasad Medical Center for Rotations?

1. Offering Electives and Hands-On Rotations

We provide a range of elective and hands-on rotation opportunities to medical students and graduates, allowing you to tailor your learning experience to your interests and goals.

2. Affordable Pricing

We believe that quality medical education should be accessible to all.

That’s why we offer Clinical Rotations for Nursing Students at competitive prices.

3. Accommodation

We want to ensure your stay in Brooklyn is comfortable and convenient.

Read More: Internal Medicine Clinical Rotations in Brooklyn

4. Letter of Recommendation

For students pursuing nephrology or internal medicine rotations, we offer a letter of recommendation on Brooklyn Hospital letterhead, strengthening your residency applications.

5. Guaranteed Hands-On Experience

Our commitment to your education means you will receive hands-on experience and mentorship throughout your clinical rotations.

Contact Prasad Medical Center

For more information or to book your clinical rotations, contact Prasad Medical Center:

Address: 894 Eastern Parkway, Brooklyn, NY — 11213

Website: www.prasadmedicalcenter.com

Phone Number: [phone]

Email: [email protected]

Clinical Rotations for Immigration Students in the USA

Visit Our Prasad Medical Center Official Site for more details also You Can Contact Us.

Embarking on clinical rotations is an exciting step in your medical journey.

By choosing Prasad Medical Center and carefully planning your accommodation, you can make the most of this invaluable learning experience.

Enjoy your time in Brooklyn, and may your clinical rotations be both educational and fulfilling!

FAQs

1. Are clinical rotations mandatory for medical students?

Yes, clinical rotations are a mandatory part of medical education, allowing students to gain practical experience in various medical specialties.

2. How can I apply for clinical rotations at Prasad Medical Center?

To apply for clinical rotations at Prasad Medical Center, visit our website or contact us via phone or email for more information.

3. Can international medical students participate in clinical rotations at Prasad Medical Center?

Absolutely! We welcome international medical students and offer tailored clinical rotations to meet their educational needs.

4. What specialties are available for clinical rotations at Prasad Medical Center?

We offer clinical rotations in internal medicine and nephrology, providing students with a diverse range of learning opportunities.

5. How long do clinical rotations typically last?

The duration of clinical rotations can vary but often lasts several weeks to a few months, depending on the specific program and specialty.

#clinicalrotations #medicalstudents #clinicalresearch #prasadmedicalcenterusce #internalmedicine #medicalassistant #prasadmedicalcenter #prasadmedical

[utcampuslifeupdate]

Celebrating the 2022-23 Outstanding Student Awards

Brandon Curl and Hadis Askari (Award Recipients) at the Texas Parents Ambassadors Council luncheon

In a pool of 52,000 amazing students who are all living the Longhorn life, it is an incredible accomplishment to be considered the best of the best. Two graduating seniors have done just that – standing out for their exceptional leadership, scholarship, character and service. Texas Parents is recognizing Hadis Askari and Brandon Curl with the 2022-23 Outstanding Student Award and adding their names to a prestigious list of award recipients spanning seven decades.

Like the honorees who came before them, these two high-talent students discovered there’s more than one way to be a Longhorn through student leadership roles, community involvement and academic accomplishments. They have pursued opportunities on the Forty Acres and beyond that will help them go on to change the world, following the paths of the award recipients before them. Many of these Longhorns for life have gone on to become leaders in education, public service, law, healthcare, business and philanthropy.

Meet this year’s award recipients and finalists below. Learn how they made campus a home away from home, explored who they are and whom they want to become, and find out their plans for after graduation.

Texas Parents Outstanding Student Award Recipients

Hadis Askari 

“My time at UT taught me leadership, teamwork and, most importantly, to see that my uncommon experiences were not negative, but they provided me opportunities to grow with other students.” 

College of Natural Sciences  

Major: Biochemistry Honors 

Campus Involvement: Senate of College Councils, Health Career Mentorship Program, Dell Medical School Health Leadership Apprentice, UT Refugee Mentor Program 

Community Involvement/Professional Experience: Texas Interdisciplinary Plan (TIP) course assistant, Biochemistry and Freshman Research Institute Maker Space Undergraduate Teaching Assistant (UGTA), Medical Mission Trip (Mexico) volunteer, Dell Seton Medical Center College Volunteer Leadership Program, Freshman Research Initiative fellowship, Lenox Hill Hospital BRAINtern 

While UT Austin prepared Hadis Askari for her future career in medical education, she says it also helped her develop “kindness, patience and resilience.” Her journey of moving to America from Iran shaped her character as she discovered what it means to be a Longhorn. She succeeded on campus by developing research skills, creating a supportive community through student organizations and serving as a mentor to fellow students. Off campus in Austin and beyond, she applied what she learned in the classroom to healthcare industry apprenticeships, internships and volunteer roles. 

“Hadis is someone who goes the extra mile in whatever role she is placed in. She is someone who can handle anything thrown at her and then some,” shared College of Natural Sciences’ Freshman Research Initiative Specialist Niam Kuttanna who nominated Askari. 

Currently, Hadis is devoted to her honor research project and will pursue further research during the gap year before medical school. Additionally, Hadis will assist refugee students in navigating the U.S. educational system. 

Brandon Curl

“UT prepares and empowers students for success in the real world. I see it every single day in the students around me; we all come together to reach for the impossible. It does not matter who you are or where you came from.”

College of Natural Sciences  

Major: Physics Honors, Polymathic Scholars Honors Program

Campus Involvement: Society of Physics Students, Natural Sciences Council, UT Physics & Astronomy Prospective Students Day chair, Kids Who Code

Community Involvement/Professional Experience: Resident Assistant, Advanced Robotics Group, Computer Science Teaching Assistant, Physics Learning Assistant, MD Anderson Cancer Center

Whether in the lab or his residence hall, Brandon Curl is exploring new possibilities that will radically change people’s lives for the better. Alongside physicians, physicists and mathematicians at MD Anderson Cancer Center and UT Austin, he utilized 3D mathematical models to predict the way brain tumors respond to chemoradiation. In Creekside and Moore-Hill residence halls, he fostered a community supporting his residents’ health, well-being and academic journey, and helping them settle into their home away from home.

“Brandon thinks deeply about the purpose behind everything he does, finding value in his actions and moving him towards his goals. He sets the bar high, then blows it out the water,” shared College of Natural Sciences Honors Center Director Sara Corson, who nominated him for the award.  

Curl plans to work as a software engineer to expand his expertise in computer science before pursuing clinical and research doctoral degrees. He then plans to work in radiation oncology to combine his interests in healthcare, machine learning and imaging physics.

Texas Parents Outstanding Student Award Finalists

Ali Askari

College of Natural Sciences

Major: Biochemistry Honors

Campus Involvement: Natural Sciences Council, Health Careers Mentorship Program, Aptamer Database in Aptamer stream, College of Natural Sciences Student-Faculty committee

Community Involvement/Professional Experience: Translators without Border, Micah 6 Food Pantry, Beyond Boundaries, Research assistant, St. David's Medical Center Hospital student advisory committee, Dell Medical School camp counselor, Medical Mission Trip (Mexico) volunteer, Health Careers Mentorship Program intern, Vacation Studentship, Biochemistry of Society intern, Freshman Research Initiative Summer Research Fellowship intern

Ezequiel Lozano

College of Natural Sciences, College of Liberal Arts

Majors: Biology Honors, Government

Campus Involvement: Christian Students on Campus, Longhorn Run, Texas Blazers

Community Involvement/Professional Experience: University Leadership Network mentor, Texas Interdisciplinary Plan (TIP) Scholars mentor, Dell Seton Medical Center patient care technician, Texas House of Representatives intern, Dell Pediatric Research Institute intern, Vice President for Student Affairs student consultant

Caleb Yu

College of Natural Sciences, McCombs School of Business  

Major: Honors Computer Science, Business Honors and Finance

Campus Involvement: Texas Consulting, Management Consulting Association, Silver Spurs, Tejas Club

Community Involvement/Professional Experience: Meals on Wheels, founder/CFO of non-profit funding creative childhood education, Financial and Education Research Center proctor, AAK Tele-Science intern, Amazon intern, Bain and Company intern

Justin Zhang

McCombs School of Business  

Major: Business Honors and Finance  

Minor: Management Information Systems

Campus Involvement: Texas 4000 For Cancer, Guild of Carillonneurs, Honors Business Association, Friar Society, Canfield Business Honors Program peer advisor, President's Award for Global Learning, Business Unraveled Podcast, Readying Impactful Student Entrepreneurs

Community Involvement/Professional Experience: McKinsey and Company intern, Ernst and Young intern

The Outstanding Student Award recipients receive a plaque, a brick paver laid at the Student Services Building in their honor and a $1,000 grant given in each of their names to a registered student organization or campus program. Askari’s grant will go to the Refugee Student Mentor Program and Curl’s will go to the Society of Physics Students. Congrats to these recipients and finalists!

#College of Natural Sciences #McCombs School of Business #College of Liberal Arts #Texas Parents #Division of Student Affairs #UT Austin #The University of Texas at Austin #Outstanding Student Award #UTSpring2023

[aelaer]

Hi friend! You seem vast in your knowledge of Stephen and willing to share so please enlighten me as I don’t read the comics but I do watch the mcu movies, and do love Stephen.

I know he’s erratic and impulsive and reckless sometimes but didnt we already complete this arc in his first movie? Especially since we’ve watched him deal with the consequences of his actions for the entirety of the film and end of the movie Stephen was a different Stephen from the beginning of the movie.

IW Stephen seemed like a more mature version of the man we’ve met at the end of his first movie, a linear progression of the character, more responsible.

The spider man trailer is just a few minutes so I’ll further reserve judgment till I see the film, but he seems.. silly almost? I’m aware he has his funny moments but I’m just nervous they’re gonna make him the joke instead of having him make the jokes.

Do you notice anything weird about how the adults act in these newer marvel projects.? (I’m thinking of loki specifically) they all have a silly undertone to them? I cant put my finger on it but it’s definitely new and ..off

Is this a constant characterization for Stephen in the comics? Is this what he’s like all the time?

Regardless, thank you for your time if you see this xx

Oh yeah, Stephen's my favorite subject at the moment so I'm happy to give my thoughts!

Note that my answers apply to MCU!Stephen and what we've seen in the four films he's been in.

I know he’s erratic and impulsive and reckless sometimes but didnt we already complete this arc in his first movie? Especially since we’ve watched him deal with the consequences of his actions for the entirety of the film and end of the movie Stephen was a different Stephen from the beginning of the movie.

In my experience of just living, there are personality quirks that can be tempered out and made better, but not entirely eliminated, even if it's undesirable. In my opinion, Stephen's need to push himself and prove that he can Do A Thing is a trait that won't ever go away--especially as that trait has helped him more than hindered him. Examples would include the more mundane such as getting through a combined MD/PhD program and inventing surgical procedures at what is still a really young age for a neurosurgeon. We don't have a canonical age for Stephen, but Benedict was 40 when Doctor Strange was filmed and released; even if he's canonically in his mid-40s, that's still very young for him to be at his caliber after the necessary years of med school and residency in the United States. He's young and nowhere near the end of his career when he gets in the car crash. So with that information in mind, we know that he's very ambitious and throws himself into doing difficult work with gusto. That doesn't even go into everything he did as a sorcerer.

Why get into all of this? Because while we, the viewer who has seen the multiverse open at... some point (possibly, in a rewritten timeline, it's always been open now with what happened in Loki!), we have seen just how nuts it gets. We have seen the consequences. Stephen's smart, but I don't think it's a matter of strictly recklessness and more a combination of ignorance on this specific subject (erasing memories across the world or slightly rewriting time-- we don't know how he's doing it, but a memory spell makes more sense to me), hubris (of course), and the real desire to help Peter out. The latter two traits combined in intelligent people have proven bad in both fiction and reality.

The reason I don't think it's pure impulsiveness is because in the trailer, we see Stephen doing some meditation type thing in the underground area before the spell. He's also always doing research and as he tells Peter he'll help him, he clearly knows of a spell already and has some working knowledge of how it works. The conversation with Wong wouldn't have happened otherwise. But I personally get the vibe off him that he'd not do it without being very confident that he can do it -- and his history in the films has shown 0 failures in any of his spells once he's past novice-level, so in that aspect, his confidence makes sense. If he *should* do the spell due to the risks of failure, and lack of practicing precaution in the face of his confidence, is where his flaws lie, IMO. And in that sense people could say he was reckless for deciding to perform a complicated, dangerous spell, but that follows his M.O. completely -- he performed a very complicated, dangerous spell consistently with the Time Stone again and again, from how the sorcerers spoke about the Infinity Stone (and he casually just... throws himself into a time loop, then to look through time. He takes calculated risks, but they are very much risks).

One last thought on this statement - the biggest, biggest lesson that Stephen learned in his first film was that it was not about him. There was more to the world than his glory and his brilliance and even his happiness. He started doing things for the greater good rather than himself. And he started doing things for others -- fighting for the Sanctum in his own film, and protecting the Earth. Serving something greater than himself. But that doesn't make him suddenly humble, and it doesn't suddenly take away his strange (hah) sense of humor.

IW Stephen seemed like a more mature version of the man we’ve met at the end of his first movie, a linear progression of the character, more responsible.

He was more serious in that film. So was Tony. They still had some quips and arguments, but they were very serious. And it makes sense as to why -- it was the end of the world. So the mood of the setting would change anyone's demeanour. But he had very little chance to unwind in that film, considering that he was trying to protect one of six items that would destroy the universe, and also got freaking tortured in the middle of the film with little time to recover. But nearly every Avenger was super serious in that film, and for good reason.

It's a completely different setting from what is now Stephen's life which, from what little we've seen in the trailer, is weird enough that he got a magical snowstorm in the Sanctum. It's safe enough that Wong's off on vacation. It's been nearly a year since he returned from the dead. He's either figured out how to move on in the last year or, as some prefer, has gotten good enough to put on a facade and bury the trauma so far down that he's putting on a normal act - but that's up to debate until MoM. And we have no idea if old traumas are going to be brought up there or if it's just the new things.

I think the point is that it's possible to be both a responsible person and also to make colossal mistakes due to either emotional connections or hubris (or both - we don't know which way the film will go, if they'll explain it at all). They're not mutually exclusive. He can be protecting reality fantastically, while also believing that he's skilled enough to pull off the ability to pull off a dangerous spell which he did in his own film and in IW. He's guided the timeline down a specific path in IW/Endgame, after all - what's a little identity item compared to the fate of the universe, after all? Removing the Spider-Man/Peter association is, in comparison, child's play I imagine to a man like Stephen.

The spider man trailer is just a few minutes so I’ll further reserve judgment till I see the film, but he seems.. silly almost? I’m aware he has his funny moments but I’m just nervous they’re gonna make him the joke instead of having him make the jokes.

Do you notice anything weird about how the adults act in these newer marvel projects.? (I’m thinking of loki specifically) they all have a silly undertone to them? I cant put my finger on it but it’s definitely new and ..off

He was definitely silly in his own film. He was constantly trying to get Wong to laugh and there was a banter between Stephen and Christine after he gets stabbed. He's always been a bit awkward and a bit jokey--I think Thor showed that combination of humorous snark and good research rather well, though he was flippant in a way that didn't get to show his kinder side that is better established in his film. And now we get to see that sympathy in his agreement to help Peter (at least, in my opinion).

Because he was doing an amazing awesome spell not once, not twice, but *three* times in the trailer alone, I am not worried about Stephen just being a joke. He seems just as powerful as he was in IW and Endgame. The rest of the world is just getting reminded that he's definitely a bit of a socially awkward duck at times (or, if you prefer, Putting On a "I'm Fine" Front And It's Coming Across As Weird). So him being a big joke is not something I am personally worried about.

Situational humor has been a staple of Marvel films since Iron Man. I watched the films casually before 2016 when I fell head deep into Stephen Strange (or well, 2018/9 is more accurate as that's when I *really* went nuts), and my viewings before that time and after that time was a lot more analytical. And it's very easy to see where the silliness started, all the way back when Tony crashed into his own car and Dum-E sprayed him with a fire extinguisher. Thor was the butt of the joke in the "fish out of water" scene in a good, good chunk of the film. Even Captain America had some situational humor. And remember that Guardians of the Galaxy was back in 2014, which was halfway through the MCU's time thus far. The stars of these films are almost always the butt of some joke a couple times and do things that could be viewed as childish.

I don't know your age at all, but if you were born after 1990, what might be happening, rather, is that they are not getting sillier, but that you may be getting older. I was an adult (legally, at least) in 2008, but the way I view the adults of the films throughout the early 2010s as compared to now is night and day. It's just come with my own life experience, and wider understanding to media tropes. The jump is even more significant if you were younger in Iron Man/Avengers days and are an adult now. If you're an older adult than me, then I'd argue it's the matter of life experience adding to your overall knowledge of media plus, potentially, rose-tinted glasses giving you a better vision of the older movies while forgetting that the older movies had plenty of their own flaws (and silliness). Could be a lot of things- it's too individual to really say why your perspective has changed. But I don't think the MCU's largely changed their comedy formula since 2012/2013.

Is this a constant characterization for Stephen in the comics? Is this what he’s like all the time?

Oh the comics are a mess of characterizations. It's very difficult to find full consistency across writers, and some writers did him much better than others. At the moment, Jason Aaron's 2015 run is viewed as very good by a large amount of fans, while Waid's 2018 run is viewed with mixed reviews. It's largely a matter of preference as you'll see traits that are just so uncharacteristic in an arc and then it never happens again. He takes on secret identities, he kills billions to save trillions (along with the other Avengers!), he sells his soul, he's in a steady relationship for 30 years, then he's sleeping with a new woman every arc he co-stars in-- it's just so dependent on the writer over the decades. What Marvel thinks will sell. Right now Marvel thinks his death is gonna sell issues, so yeah :P You pick and choose with the comics and build a personality from there.

Thank you for the thoughtful ask. I hope this wasn't too much of a drag to read through; I get rambly on my favorite subjects. Or anything, really.

#stephen strange #doctor strange #spiderman no way home #spoilers #meta #mcu #i did a long ramble #i love stephen #i hope this was somewhat enlightening nonny #anonymous #ask #answered #long post

[expatesque]

Hey there :) Im an MD/PhD student stuck doing my doing my PhD job plus the job of a resident, and due to the pandemic I cannot apply to achieve residency status so I am actually quite low in the hospital hierarchy but quite knowledgeable in my own field. I feel extremely frustrated and stuck but cannot change anything until I finish my PhD and job openings start. How do I survive this period of overwork and uncertainty (that I dont know how long is going to last)?

Damn, that is really tough. So I don't know the ins and outs of this field (and even what country you're in, which I'm sure impacts this) but a few tips on being frustrated overworked and getting through it:

1. It's just a job, it's not real life. This is one the boy has been instrumental in teaching me. Work is a part of your life, it isn't your whole life. Cultivate and expend energy on the other parts of your life -- your hobbies, your home, your relationships (romantic and otherwise), your interests, etc. Make sure you're not only focusing on work, your life is wider than that, and this is the perfect time to spread your energy elsewhere.

2. Be as competent as you can at what you're asked to do, even if you can do more. There is genuinely always more to learn, even at a job you consider below your educational level. Could you learn more about interpersonal relationships or the nursing sector or insurance or internalised bias in medicine? There's always more to explore if you look for it. Consider spending this time learning something that you would normally be too busy with your day to day job to focus on.

3. Look for mentors and build up relationships with people who will help you progress when the time is right. Another important thing that can fall to the wayside in careers but is important to work on. Now is an ideal time to find and develop relationships with people who can be important in your future. And who knows, if they know what you're capable of, they may be able to help you be less frustrated in what you're currently working on.

Fingers crossed babe, it's a tough time out there. 💕

+ let's have a sleepover

#s dispsenses wisdom #correspondence #friday night sleepover #ask games

[thorne93]

Stan Lee University (Part 19 - FINAL)

Prompt: What would the Avengers be like in college, more importantly, what would they be like if Y/N existed around them?

Word Count: 3850

Warnings: language and “adult themes”

Notes: This is based on a HC from @carryonmyswansong. They helped brainstorm and write part of this series. In this AU, no one will have powers, everyone is a normal human. Beta’d by @carryonmyswansong. 

~~~~~~~~~~~~~~~~~~~~~

Just before spring break, Wanda had approached you after work and sat you down. 

“Hey, I want to apologize for what I did. About this whole job and internship nonsense. I was a real bitch, and I shouldn’t have been.”

All you did was slowly nod as you listened.

“Look, I only did it because I really needed it and I figured you’d find another internship easy, but this was looking like my only option.” 

You didn’t say anything and she started to get desperate.

“You’re some tough competition, alright? I only did it because I’m threatened by you, doesn’t that make you happy in some way?”

You shook your head. “Wanda, I didn’t want some stupid internship to come between us. So no, I’m not happy you felt like you had to dick me over to get an internship. If you’d just come to me and said you wanted it, I would’ve backed off.”

She bobbed her head, biting her lip as she played with her fingers. “So, still mad?”

“I was never mad. I was hurt. That our friendship meant less than an internship.”

“Well, to be fair, I only said that you were busy, not that you weren’t qualified, if that helps,” she offered, a smile slowly growing on her face. 

You couldn’t resist smiling back at her. 

“I suppose that’s true, and I do work there now, so… I forgive you.”

“Oh, thank you so much. I’m so sorry,” she cried as she hugged you tight. “It’ll never happen again.” 

“As long as we’re friends again,” you said, happy to hug her back.

“Absolutely.” 

------------------------------

Following that spring semester, you and Stephen spent all of your time together. If you weren’t at his house, he was at yours, or you were out doing something together. His whole family went on a vacation to the Bahamas and took you with them, then when you all got back from that, your family went to Hawaii, and he came along. 

The sex, after your first time together in the lab, only grew better, somehow. You weren’t entirely sure how it could get hotter or better but it did. There was a deep connection every time, and there was always something new, something fresh, something exciting. He wasn’t a selfish lover by any means, and you had no problem repaying that feeling. In some ways, if you weren’t being affectionate, it was hard to keep your hands off each other. Whenever he was overtly kind to your loved ones, whenever he impressed you with science, whenever he did something completely responsible, you were rearing to go. Because like your friends had said long ago -- you have a type -- the successful type. That’s what Stephen was. Mature, well-adjusted, goal oriented, intelligent, funny, and sweet. He filled all the roles you wanted in a partner and more, and how could that not turn you on?

Since senior year was approaching, so were MCATs and med-school applications, so you two discussed your options. Stephen had his sights set on Columbia, whereas you were gunning for Johns Hopkins. Of course, you both applied to every medical college east of the Mississippi. 

At first, you agreed that you should go where your careers would take you, that you shouldn’t sacrifice for the other. It felt right to both of you that if you were going to dedicate yourself to this line of work, it needed to be at the place that fit you best, not a place to compromise on. 

But when the acceptance letters started coming in, decisions had to be made. 

Stephen brought over all of his letters to your house and you were in the dining room, trying to discuss where to go. 

“Well if I went to IU, and you went to Columbia--”

“Y/N,” he started, staring at you. You were pacing, talking to yourself, while he sat at the dining room table.

“But then I think it’d be closer if I went to--”

“Y/N,” he said again. 

“But then we need to consider.”

“Y/N, I got accepted to Johns Hopkins and I’m going,” he finally said, hoping you heard him. 

Still rambling and rattling, his words finally registered with you and you stopped, turning only your head to him. “I’m sorry, what?” 

“I got accepted to your school and I’m going to go with you.”

“What? No, no that’s not what we agreed on. We agreed we shouldn’t sacrifice our careers for each other, we’d never do that.” 

He stood from the table and put his hands on your biceps. “I’m not. We sacrificed time with each other so I could study abroad. You did that for me, so I could have opportunities like this. I’m repaying you. Johns Hopkins is where you want to go, and I want to be with you. I can’t stand the idea of us living states apart for four years, and that’s not including residency.” 

“But what about Columbia? What about neurosurgery?” 

“Is all at Johns Hopkins. I can do that anywhere. What matters to me is that you’re happy. It’s not like Hopkins is exactly a downgrade.”

You half smiled. “Are you sure? I don’t want you to wait and look down the road ten years and resent me for this.”

“I’m making this choice, not you. I’m not going to resent you. I’m still getting my degree, it’s no big deal.” 

You nodded. “Okay, only if you’re sure.”

“I’m sure about us, about you, the rest is just details.” 

He kissed your forehead, then rested his against yours. 

“So we’re really doing this? Med school? Together? For four years?”

“Hopefully it’s longer than that.” 

------------------------

Four years later….

You had just graduated medical school, about to go into your residency. The graduation ceremony had just ended and your parents and sister found you, along with Stephen’s parents and his brother.  

“Oh, get together you two for a picture!” your mom gushed, trying to not cry any more. You two held up your diplomas, smiling proudly with your caps and gowns on. 

It was a long, grueling road, but you made it. Both of you made it out with MD-PhDs, somehow, by some crazy miracle. He was guaranteed a fantastic residency, as were you. 

“Oh, we’re so proud of you,” Beverly said, coming over and hugging you two at the same time. 

“Thank you,” you gushed. 

“Oh, wait, shit,” Stephen suddenly said, checking his pockets. “I think I dropped my class ring. It was in my pockets. Hang on,” he said and you started to look around on the ground. He got down on his hands and knees and started to look around, patting the ground.

You turned around to talk to your family for a second, giving him time to look. Then suddenly, he said, “Ah, here it is.” 

“Oh, did you find it--” you started to ask, whirling back to face him, only to be stunned when he was on one knee, a ring box opened. 

You gasped, throwing your hand over your mouth, you nearly dropped your diploma. Your eyes flashed to the Strange’s who were merely grinning, they must’ve known this was coming, but your family seemed just as shocked as you. 

“Y/N, I could list all the ways I love you. From your amazing laugh, to your intelligence that at times, can put mine to shame, putting my ego back in its place. But know that it’s your kind heart, your driven mind, your stunning humor, and overwhelming love that made this decision easy for me. So, Y/N, you started out as my lab partner, how do you feel about being my life partner? What do you say? Will you marry me?” he asked with a giant grin.

“Yes!” you all but screamed, and he laughed, standing so you could hug him quickly before giving him a huge kiss. He slid the ring on your finger and you kissed him again. Then hugs and kisses from both sides of the families went all around. Congratulations were in order and everyone went out for dinner to celebrate a day of fond endings and bright beginnings. 

--------------------------

Three years later....

You and Stephen weren’t thrilled at the idea of waiting to actually get married, but you agreed you wanted to have your careers before having a marriage. You waited until you completed your residency and gained licensure and then you’d get married.

Which is where you were today.

The ceremony had already happened, with Stephen in a sharp tux, Victor as his best man, Clint as your Man of Honor. You found a stunning wedding dress that was adorned in every clear crystal on earth. 

You wore your mom’s veil, and borrowed Beverly’s bracelet. You got married under an oak tree older than even your grandparents. A garden as your backdrop, with a beautiful crystal ballroom and garden area for the reception. 

You had a smaller-ish wedding with only about 65 in attendance, but this felt better to you. Of course, most of your families were there, along with several people from med-school, as well as colleagues at the residencies. 

The vows were all said, the vendors were all paid, the dancing was all done. 

The sun was just now setting, letting the air cool slightly, but not enough to give a chill at all. Stephen and you were sitting on a little bench that swung, a nice cushion on it, your hand laced with his, your wedding bands shiny and new. 

All around you, filling out a little concrete slab under another oak tree, and the end of a small path through the back garden, were your friends. 

Tony and Pepper were sitting together, an engagement ring on Pepper’s finger. Clint and Nat together, wedding bands on their hands, and Nat’s baby bump starting to show. T’Challa and his younger sister Shuri were there. Steve and Sharon, a girl he met at his new job. Bucky, Scott, and Sam were all there. Wanda and Pietro were there. Wanda had brought a date, a guy named Paul who had blonde hair who was inside currently. And of course, Peter was there. 

Stephen and you had found a moment alone, and stole it, but then Tony found you, and soon after that, everyone else did. 

Fourteen people, all but two you’d shared most of your life with. Up until medical school, these people were your family, by every sense of the word. Sure there were bumps, bruises, fights, but after everyone had grown up, you all stayed in contact. 

Tony already amassed an empire, leading in engineering. Bruce was working independently on biomolecular research, but every once in a while, he teamed up with Tony to pioneer some project. Bucky and Peter were on his design team, with Scott heading up the mechanics and running a few independent projects. Pepper was Tony’s right hand and they did a wonderful job together. Clint and Nat opened up a training ground for agents for the government -- if they were CIA, FBI, or otherwise, they went to their camp. Steve was head of operations for a finance firm but got in some art in his free time, even selling some of his work. Wanda worked as a psychologist out of Manhattan. Pietro went on to be an Olympic athlete, winning four gold medals for four different categories of running. Sam got work with the Air Force, helping to design and implement their aircrafts. T’Challa went on to be elected as mayor for his hometown. He was the youngest in history, but his ratings were also the highest. 

And now, they were all here, to support you two. 

For the past hour, you’d been explaining how you and Stephen met, what all had gone down that year, and how everything had transpired to bring you two here.

“Wait, so that’s how you two met?” Sharon suddenly asked. 

“Yeah. Kind of dorky, isn’t it?”

“I think it’s cute,” she noted.

“Wait, Tony, you knew Y/N and Stephen were having sex in the lab?” Bruce suddenly demanded, making nearly everyone laugh. “And you just sat there with music playing?!” he questioned, clearly horrified.

Tony grinned. “Hey, what do you want me to say? I wanted to see how far these two love birds would take it with me in the room.”

You two just shrugged, smiling. 

“How often did this happen?!” he questioned. 

“Well to be fair,” Stephen suddenly said, his cheeks a little pink as you peered up at him lovingly, “that was our first time together.” You scooted a little farther into his open arm, happily remembering the first moments together.

“And you decided to desecrate my lab in doing so,” Tony scoffed.

“Oh, don’t even pretend like you never did that in your lab, Stark,” Sam shot, a shit eating grin on his face. 

“That’s besides the point. It’s my lab.”

“Actually, it was the school’s lab, and it was just once,” you assured, laughing. 

“Ugh, now I’m going to have nightmares,” Bruce said, shuddering, sitting back in his lawn chair. 

“I still can’t believe Loki did that shit to you,” Steve noted, looking down at his beer bottle. 

You shrugged. “Hey, the way I see it now, I was a challenge.” 

“Still shitty,” Scott noted. “You deserved better.”

“Hey, Debbie Downers, look around, she got ‘better’,” Nat defended and you smiled at her. She winked back at you. 

“And clearly you two did too,” you noted. Clint and Nat did get married right after senior year but this was their first baby, and all of you were so thrilled for them. 

“Yeah, little guy here is going to make things interesting, right, Daddy?” Nat asked, signing the question to him. 

Clint nodded and signed back, “Absolutely, I’m so excited.” 

“Shit, I forgot I dated that chick, Molly,” Sam suddenly said, his mind drifting back a few years. 

“Yeah? How’d that turn out?” Steve wondered.

“Clearly not well. She ain't here,” he said with a serious face. “Nah, I think she was a little too spacey. Nice girl though.”

“Aren’t they all?” Bucky asked with a teasing tone before Sam slightly shoved him. 

“What a wild ride,” Sam noted, thinking. “It seems like forever ago that we were in sociology together,” he noted.

“I know,” you agreed. 

“I can’t believe I was such a bitch to you,” Wanda commented. “I don’t what was wrong with me,” she said with a sour face. 

“Small town, lots of competition,” Bucky reminded. “Besides, clearly it worked out anyway, if Y/N got to be your boss.”

“Oh yeah, those first few months were just fantastic. Don’t let Y/N fool you, she totally threw her weight around for the grief I gave her,” Wanda informed to the group, pointing at you.

You nodded humbly. “Hey, can you blame me?”

A resounding “No,” hit your ears and everyone laughed. 

“God, you guys,” Pepper suddenly said, “where has the time gone? It’s like just yesterday we were all juniors, just 21--”

“Or 19,” you corrected with a mischievous grin.

“Or 19, and now we’re approaching our 30’s. We’ve got careers. We’re getting married…” she stated, looking around and everyone slowly nodded. 

“We graduated together almost a decade ago,” T’Challa remarked, his eyes going wide. “So much has happened. So much time has passed.” 

“Where are we going to be in another ten years?” Steve asked as his eyes settled on everyone in the circle, but obviously no one had an answer.

Finally, you spoke up, “Exactly where we want to be.” 

“Let’s hope so,” Bucky said. 

“Let’s make a pact,” Tony suddenly said, standing up, raising his champagne flute. Everyone else stood as well. “We meet in ten years. No matter where we are, what we’re doing. Life gets busy, and I’m sure we can’t always meet every year, we can agree that on Y/N and Strange’s tenth anniversary, we can get together, just like this.” He paused a second, looking around. “While some of you are brand new to the group, and others have a few more miles than the others, and some of us have been around since the beginning, I think it’s important we keep this group together. Yeah?” 

Everyone agreed and raised their glasses.

The rest of the evening, you spent reminiscing, talking about your time back in college, your time growing up in that town, and everyone’s lives since they left. It was the happiest you’d been since Stephen proposed. Your family was back together again. 

------------------------------------------

The old gang did get back together ten years later at your anniversary party at your mansion. 

Not much had changed for anyone. Tony and Pepper still ruled a technological empire, whom you often worked with to get top of the line medical gear and equipment. Bucky, Scott, and Peter all still working for Stark Industries. T’Challa had moved on to Governor and was talking about running for President, which you fully supported. Clint and Nat left their training program in capable hands and actually joined a private sector for work. Steve and Sharon had married and had children, in fact, so did Tony and Pepper. Peter met a girl named MJ at the company, and they were engaged now. Wanda and her boyfriend, Paul, from the party got married about four years back, and their first baby was on the way. Pietro had retired from Olympics but now he taught and trained other athletes and thoroughly enjoyed it. 

Stephen had turned into the nation’s highest paid and sought after neurosurgeon. He was on the front of every discovery, every progressive and innovative surgery, every life saving method. 

You were the nation’s highest paid and sought after psychiatrist. You were the pioneer for a deeper look into the human mind and psyche. 

Both of you were invited to speak at symposiums, lecture halls, Ted talks, and conferences. You’d both been approached at different points to write books and while Stephen declined, you accepted the offer. 

You had three kids, and they were just as bright as you and their father, maybe even more so. Curiosity burned in their veins and solutions lied on their tongues. Two boys, and one girl -- Donna.

After your careers got up and going, you offered to move your families out near you so that you could keep going with your work but not be far from family. Stephen’s parents said they’d move closer but refused financial help. Your parents accepted a small gift to help on a down payment but that was all they’d take. 

Claire and Victor actually worked in the area as well, so they lived nearby, so you had everything you’d ever wanted.

Life couldn’t get any better. Every day with Stephen was full of love, adventure, family, and work. Your careers were never a competition, and no matter where the roads took you, you supported each other without ultimatums, expectations, or conditions. Each day was a blessing and more. You’d each given the other a life you’d always dreamed of, and that’s all you could ask for in a life partner. 

Now, you stood in your living room with everyone, the kids in the parlor being entertained with the grandparents. 

“Well, we made it another ten years,” Tony remarked. “Any regrets, anyone?”

Everyone shook their head as they looked around the room. 

“So, everyone’s good? All the kids, all the gray hairs, all the stress?” he pressed. 

“Yeah, man, no complaints from me,” Sam remarked. 

“Same here,” Scott agreed.

“Wouldn’t trade it for the world,” Peter concurred.

“I’m living the life,” Wanda said happily as she put her head on her husband’s shoulder. 

“So that’s it, huh? We all made it?” Tony asked. “Impressive. I was sure that it was touch and go there for a while with Scott and his run ins with the law. And let’s not forget Nat and Clint going total CIA.”

Everyone chuckled. 

“No, I think everyone is exactly where they want to be,” you noted, holding Stephen’s hand and looking up at him lovingly. “I know I am.”

He smiled down at you before kissing you quickly. 

“Me too,” he agreed.

“Oh, get a room, lovebirds,” Tony joked.

“You mean like your lab?” Stephen shot back before Tony shook his head.

“That’s never going to leave my mind…” 

Just then, your mom said it was time to cut the anniversary cake. Everyone nodded and began to leave the living room before Stephen tugged your hand.

“Hey, hold on one second. I want to give you your gift now, in private,” he said.

“Oh?” you said, intrigued. 

He nodded and walked over to a box that you hadn’t noticed before. It wasn’t wrapped at all, it was natural, dark wood. 

“What is it?”

“Open it up and see, genius,” he quipped with an eye roll. “Honestly, two doctorates and I still have to instruct you on how to open a gift.”

“I’m about to open a can of whoopass on you so hard that not even you will be able to stitch it back up, doctor,” you shot, working on unclasping the box. 

As soon as the lid was up, you recognized the contents, well, they were familiar at least. You reached in and pulled out a bundle of letters. 

“Letters? Are these the letters from your time abroad?” you asked, leafing through them. 

“Actually… these are new. A letter for every year. One on our wedding anniversary, one the day I proposed, one on the day we graduated SLU together, one on the day I got back from abroad, and every other year was one letter on your birthday.”

“You didn’t,” you said, happy tears immediately rolling down your cheek.

“I did,” he said with a cocky grin, reaching up to thumb away the tears. “And I’ll keep doing it.” 

“I love you more than anything in the world,” you said in a hushed tone as you stared at him with admiration. 

“I love you more than myself, and that’s saying something,” he said with a chuckle. You laughed too before leaning in to wrap your arms around him. 

“Where’s my gift?” he asked. 

“Oh, it’s right here.” You went to the coffee table and pulled out a loosely wrapped bundle. “Careful, it’s not in a box.”

“I gathered that much,” he shot back. 

“Wasn’t sure you could deduce that, Sherlock,” you said, rolling your eyes.

He just smiled as he tore open the bag. “What is this?” he asked, pulling it out. 

“Well, you once asked me if I wore a cape, being a superhero. I only thought it was right, then to give you this. You save lives every day, you deserve a cape. But most importantly, all those years ago, in my dorm, you saved mine.” 

“This is cheesy,” he remarked before leaning down to kiss you. “But perfect. I love it, and I love you. Happy Anniversary, sweetheart.”

“Happy anniversary, darling,” you cooed back. 

The two of you leaned forward, your lips brushing together for a kiss to signify ages of love past, and to come.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

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#stan lee university #stephen strange x reader #stephen strange fic #stephen strange #steve rogers #bucky barnes #tony stark #pepper potts #sharon carter #bruce banner #peter parker #sam wilson #wanda maximoff

[md-admissions]

Hi MD-A! Have you heard anything about California Northstate med school, which is a for profit school? I'm not so sure how I feel about it since it's for profit and I've heard some people say it's similar to a Caribbean school? I've heard good and really bad stuff so I was wondering if you and other medblrs had an opinion about this school?

Hi there, anon!

I had not heard anything about this school until your ask! So I did a little research. Fascinating stuff, in both a positive and negative way. Now that I’ve read a little bit, I am by no means an expert and would invite anyone to inform me on anything I have wrong.

There are some things that caught my attention that warrant pause and thought. I would caution anyone interested in such for-profit med schools to proceed carefully and apply critical thinking skills when approaching. 

1. For profit. I would say that financing a medical education in the US as a whole is dicey and problematic, so it’s not like the traditional method is Good and for-profit is Evil. There is only a Traditional Evil We Know and Accept (applying for government financial aid, universities that are not for-profit but still come with massive tuition fees) and Slightly Newer Evil That We Don’t Completely Know Yet. 

Frankly, the price tag on American medical education is excessive and the majority of us, including myself, wouldn’t have been able to fund our medical educations without student loans from the government. There are some folks claiming on reddit that doing one’s homework to find a private loan can be just as, if not more reasonable, than federal funding. This sounds like just another means by which for another for-profit entity to earn money from young adults with little in the bank and a lot of years to be chained to these loans. Someone with more financial savvy should definitely educate me and show me the real numbers, if I’m wrong.

2. GPAs, MCATs, and Step score averages. One thing that the school’s website keeps touting is that their students’ overall numbers are comparable, if not higher than, some of their local Californian competitors. The goal of not just this school but any medical school is to tacitly make you think “good numbers= smart people= the school made these people smarter”. But is that true? Well...

GPAs and MCATs do not reflect how well a med school teaches their students because students COME IN with these scores. They are also not equivalent to intelligence. They also do not necessarily correlate with increased chances with matching in one’s desired specialty or in the state of one’s choice. But that ran across your mind, right? It did in mine, when I was first applying. These scores only mean that the applicants they matriculate know how to test well. 

Step score averages speak less to the curriculum, only how well the students prepared. Whether that was with or without the assistance of the school, we cannot know unless we ask the students ourselves. We must also keep in mind that all of us who have gone through med school in the US who took Step 1 can say that Step 1 isn’t about clinical medicine and not always reflective of our curriculum. So the Step score says nothing about the school, either.

3. But MD-A, I heard they matched like 96% of their class! And I mean, good on them, right? That’s awesome! I would never want people to fail the match; it’s the actual worst feeling and emotional/psychological rollercoaster when the Match goes awry. I cannot understate that. 

But I think we need to look at the actual match list, made publicly available by CNU itself here. The Match list is an important tool to use when planning your career trajectory. Because where they send their students tells you what the students are interested in, what specialties are emphasized or stronger/strongest at the school, the potential aspirations of the students and the goals of the school. If they do not align with yours, then I’d recommend thinking carefully before applying. 

So this match list had a few key trends: mostly primary care specialties, many community programs with an emphasis on retaining people in California, few intensely academic programs overall. Interestingly, a lack of OB/GYN, which usually has a good showing at any medical school. What this says to me is that if you are interested in a career as a sub-specialist or an academician, if you’re interested in training at a highly rigorous, academic residency program or staying in academia, or interested in going out of state, this may not be the program for you. If you are interested in staying in California and being seen as an eligible trainee who would flourish as a clinician, that’s their forte.

4. A lack of basic inclusionary language. One thing that I noticed going through this CNU med school’s roster is a significant disproportion of men to women, 2:1. Which, I mean, could just be what happened in the most recent year; it totally can happen. So eh.

But as I continued to look through the website for CNU, there are no statements available on their website regarding affirmative action, zero tolerance policies on discrimination, whether they select applicants to represent the population, dedication to minority representation in medicine in any capacity. Which is odd, considering that their mission statement says they are about “social accountability”. 

By the way, these ‘buzzwords’ I’m looking for aren't radical statements; these are basics that all med schools around the US are adopting/have long ago adopted in their mission statements or application process because medicine recognizes that doctors’ who represent our patients and communities make medicine better. 

I bring this up because I would wonder if and how they address discrimination issues brought up. Because they happen all the time in medicine. 

[nitrosw7-blog]

A Shattered Dream Baltimore Artist and small business owner finds new beginning

Baltimore,MD April 9,2020 Local business owner Dianna Byers created a stained glass art studio in May of 2019 .  After just getting on her feet, the COVID-19 pandemic hit. Now her doors are closed and she stays at home sewing masks for those who need them.

Dianna Byers sits in her kitchen. Seated at her table sewing cloth masks for neighbors, relatives, hospital workers, social workers, and pretty much any one else who needs one. If she can, Dianna custom designs them so they fit well. A lot of care goes into each mask. “I've tried not to have a set price. A few dollars here and there to cover the costs. Some people have even donated materials to me. Some I give away. Pay me what you can.”

Dianna is no longer at work like many of us. But Dianna doesn't get to apply for unemployment.  Matter of fact she might have been better off if she had a 9 to 5 and lost it. As the months go by the bills soar. Dianna is one of our own local business owners.  As many small business owners are finding out the bills just keep coming.

And a wonderful unique business it was. Dianna was the sole owner of Terraza Stained Glass Classes. And More. The “and more” added later as the business grew. Terraza Classes is the accumulation of a life's work  and love of crafts, art, and gluing things together. Located near the volunteer fire station right in Arbutus. A small town in south west Baltimore county.

Having just spent a good part of her savings on her dream, Dianna took the leap and opened the  art studio in Arbutus, Maryland, where people come and  can unwind, enjoy life, laugh, and create. Dianna is often heard saying “ leave your stress and anxieties at home. We're all about unicorns, rainbows, and kittens. The shop mascot is a Beta fish named Kokomo. He gets regularly uploaded to Facebook so fans can watch Kokomo the fish.

“People come here to make glass art. Stained glass, mosaics, glass fusing, a little painting, a little arbitrage of many crafts.  She add a little comedy, 80s classics, and silly dance all rolled together for a unique happy experience. The most popular piece people make? “Mosaic crab, of course. It's number one. People love Baltimore and crabs. We even travel to other towns and bring the workshops to them.”

Building the new business was slow at first.  Especially since there was no business models like hers.  Dianna cheers “Some of my friends pitched in some time and elbow grease during the building phase. My husband Steve hand built the work benches. We hang out and make crafts all day.”  Dianna even had her mom come in to teach a crochet class.

Not making a profit at first but then, it began to grow. First a few more here and there, but then they started coming. Many from far away. They came in couples... They came with families... They came with friends.  They brought their wedding parties. They brought their moms, kids, and partners.

They all came together to make art, laugh, and learn. And quite a diverse crowd it was. People from all ages, races, origins, social classes. “We have had rock and roll bands, roller derby girls, firefighters, old, young, LGTBQ, you name it. We all hang out.  One big happy family.” Dianna is a big fan of equality.  

In stark contrast, there's no laughter and art there any more. The shop is dark. The lot is empty. “ We had to go raid my shop for toilet paper and cleaning supplies. As I stood in the quiet darkness that was just several weeks ago filled joy and laughter, I locked up in tears” So Dianna does all that she can do. While waiting and watching as history unfolds a pandemic that shook the world. She sews.

Dianna started learning stained glass as an art form 5 years back. It all started with a giift certificate for a beginner class at Terraza Stained Glass, owned by Donna Terraza in downtown Baltimore. Right away she had to sign up for another class then another. After developing the skills of both old world restoration and modern design, Dianna soon started working for Terraza. Donna Terraza and Dianna became good friends.

Dianna worked many huge projects. She even has one of her creations hanging in the Walters Art Museum. They commissioned her for a piece to be featured at the family center in the Walters. Its a skyscape of the Baltimore skyline in glass. Titled simply “Donna's Sky” after her good friend and mentor. After some time Dianna decided to start her own studio. While Terraza in Baltimore focused on restoration and custom orders, Terraza Classes, a sister company,  wanted to focus more on teaching.

She then saw an opportunity  to reach out to the local community. Next she joined several local organizations such as the Greater Arbutus Business Association and participating in several events and art shows. Within a few more short months , Terraza started supporting charities like BARCS animal shelter. Classes continued for weeks with all proceeds going to charity. Noticing several less fortunate families going without at Christmas time, she organized a fundraiser for local residents so every child would receive toys and stockings.

Dianna's sister Karen is nurse at Veterans Hospital. She was recently transferred to an ICU from internal medicine. “ Karen works with the sick and dying. She's on the front lines and they don't have enough equipment. Karen had to move out of her own home as to not possibly infect her family members who are at high risk. Dianna's says “ no, I'm not a doctor or nurse, and can no way compare to brave frontliners, but there's got to being something I can do . So I”m sewing masks.

Maybe I'll get to open again. I don't thinks bailout funds and small business loans are going to be enough. On top of that I have a daughter in college who lives in an apartment in Chicago. and those bills are adding too. And she doesn't even get to go to class. Were paying for college she cant' go to.

Dianna says her masks are made with 100 percent flannel lined  cotton so that wearers can wash and reuse them. They have several layers and suggests fit is important too. I know they're not as good as the N95 masks, but I have people begging me for masks. I now have trouble keeping up with the orders. Dianna adds her artistic flare to masks. Often asking if its for a man or woman, boy or girl. “Maybe they would feel less conscientious, and wear it more often when it suits them.”

“We're all scared, I sometimes can't watch the news. It makes me angry to see some people with an 'o well ' attitude. Most of us are trying real hard, but some are not. They don't cover their faces when coughing and sneezing. The grab and handle everything, without thinking about others.  Some people are still going about their business ' la di da'  without thinking of all the ramifications of not protecting us all.  “I just wanna help protect  myself and protect others.”

Dianna is keeping her chin up and hoping to be back one day. It is tough making a new business a success. And even tougher if you are struggling artist. Dianna asks for every one to stay in touch by visiting Terraza Stained Glass  Classes on Facebook. Send mask request and donations to Facbook messenger. https://www.facebook.com/Terraza-Stained-Glass-Classes-and-More-403820520216143/ . In the future classes can be booked at the website. http://www.terrazaclasses.com. There you can also visit Kokomo the beta fish and her cats who she refers to as her coworkers.  Students and friends are all there to help keep a smile and a ear to bend when needed.

###

[dhominis]

On career plans.

Going back to school seems... surprisingly feasible?

At my hospital, weekend track means -- two twelve-hour shifts a week, but you can get benefits. I am ridiculously frugal and my job pays pretty well; I can live on twenty-four hours a week.

(Right now I am working... substantially more than that. And living on about what I’d make in twenty-four hours/week, and saving about $1k/month.)

So. Nursing school is potentially a thing. I am looking into completing my bachelor’s through some shitty online program so that I can work full-time (overtime!) while finishing school. After that, I can apply to a one-year accelerated RN program. My current job makes me a pretty strong candidate! I interpret heart rhythms for a living. I am good at this. My coworkers apparently are surprised that I haven’t worked in cardiac telemetry before -- I’m smart, I learn skills quickly, it’s useful. And nursing schools tend to want people who already have specialized skills like “knowing when your patient is having a lethal arrhythmia.”

School is... not as time-consuming for me as it is for other people? Generally I just attend lectures and write things down and then the knowledge is in my brain indefinitely. Studying is nice but not especially mandatory. The accelerated RN program is Monday through Friday, 0800--1500. I can do homework and some studying in the evenings, work on the weekends.

My hospital would pay a few thousand dollars a semester if I make a commitment to work for them. This is potentially useful! But also I want to work in the ICU and my hospital does not actually hire new nurses directly into critical care units. The other local hospital does! This would be awesome.

And the other local hospital’s critical care units also are feeders for CRNA programs. That’s... enticing. CRNAs -- nurse anesthetists -- make absolute fucktons of money, guys! Real earning-to-give hours. All the similarly lucrative careers I’ve been able to identify would be absolutely mind-numbing for me. I am not confident that I can even do programming at the CRNA-salary level and also I would be miserable. I am not quantitative-smart to the level that the standard EA EtG professions expect (well, or I can’t self-study at that level).

But CRNAs can make like $200k in areas with a reasonable cost of living, and that’s a very cool healthcare profession, and it’s not four years of horrible school plus horrible low-paid internship/residency like the MD route (...not as selective, either), and a lot of people get their school entirely paid for by their hospital, and anyway I can live on $15k/year and pay off all my loans ASAP. So I might end up in grad school after all. I think I want more a dynamic job right now, and ICU nursing -- which generally is required for CRNA programs -- will be way more exciting and unstable and eustressful. I need this! I am young and smart and ADHD and somewhat allergic to routine.

...And ICU nursing would be exhausting after a while, I know. It would be fun and amazing and satisfying but burnout rates are really high. Having an out would be good. (Every CRNA I know just absolutely loves their job! Including the friend who encouraged me to look into this route, who is somehow substantially more ADHD than I am, and... if sitting in the OR while your patient is under is not understimulating for him, I am a lot less concerned about me. He has told me Having responsibility for someone’s life makes it easy to focus. I think this probably is true for me as well.)

I can do this! I am going to be an extremely skilled and badass ICU nurse in a few years, and quite possibly by the time I’m 30 I’ll be either in a CRNA program or done with one.

#news from meatspace #personal #original post #grad school cw #anesthesia tag #healthcare tag

[christy-maria]

Match Week

Long time no see Tumblr. 

I’ve been meaning to write to be able to look back on the chronicles of medical school stress this week in particular. Hopefully to look back and see that everything always turns out to be ok. It’s match week: where every single medical student who’s applied to the united states for residency finds out if they have their big girl or big boy job after years of schooling come July 1st. 

March 11, 2019 10am CST: Find out IF I match + My 27th Birthday 

March 15, 2019 12pm CST: Find out WHERE I match 

April 25, 2019 10am CST : Find out if I’ve passed my exams and I am an MD.

There’s less than 30min remaining as I’m writing this until I find out if I’m going to have a job starting July 1. I find out if I’m going to be a pediatrician. Becoming a pediatrician was a new dream about halfway through medical school but boy, did it hit me like a train. It made the stress, long hours and time away from family and friends almost worth it because of how happy it made me. So while I’ve been focused so heavily on the March 15 date because I desperately want to be back home in Chicago, I should remember that as long as today goes alright--I will be ok. Pediatrics makes me so incredibly happy that it shouldn’t matter where I practice, only that I will have the privilege to practice. and work with families and children during some of their darkest moments and rejoice in some of their happiest. I have to remind myself what a real gift it is to be part of people’s lives during their most vulnerable and intimate moments. I love what I chose to do with my life and I hope that as the clock ticks to 10AM I get to scream my head off in joy that I get to do it everyday. 

[joyinpractice]

MOST POPULAR HEALTHCARE CAREER

Originally Published April 9, 2016

“We calculated it once, just for fun, and we were making minimum wage during internship and residency.” - Dr. L

A few weeks back, I tabled at a career fair with a pediatrician and another health educator. FDNY EMTs were in the building, a pair of physical therapists brought an awesome spine with them, and even healthcare administrators were in the room. We were stacked, health careers wise.

Our table had a lot of traffic because we had a leg up on the other tables. The students already knew us. We teach courses on sexual health each semester and many of the students were our patients.

It's a really unique school. In a typical class/visit, we're communicating in English, Cantonese, Mandarin, Spanish, and more recently French. At the beginning, I would have described myself as adaptable, but now? Now, I'm extremely adaptable.

Language and cultural competence are important skills to have because it's a school for new immigrant and low income youth. Often we'll have new students in the middle of the semester and they've just immigrated. Like yesterday. "Alrighty welcome to America, let's talk about sex!" hahahaha

But in all serious, we do a great job at serving this school population and so we had tons of questions and hilarious conversations during the fair. One trend that I followed in real time was the popularity of each healthcare career. Below, I made a fun chart plotting my findings!

[Graph plotting length of education v. popularity of career at the career fair. Most popular was LVN and least popular were MD/DO. Not representative of all people, just this one day at this one school with this one population.]

MOST POPULAR

The most popular across the board was LPN/LVN. Why? 2 year associate degree or certification after high school, a respected and well-known career, and a median salary of $51,000.

[LPN/LVN salaries range from $42-63K with a median salary of $51K.]

Approximately 85-90% of LPN/LVNs have a high school diploma or associate's degree/certification. For example, if you chose to do the program at Laguardia Community College, you can apply for TAP and financial aid to fund your education. The Practical Nursing Program is a rigorous 48 credit, certificate-bearing program that is designed to be supportive of adult-learners from diverse cultural and literacy experiences.

Our high school seniors ranged from 18 - 23 years old. If done quickly, they would become a LPN/LVN at 20-25. At the top range (25 y/o) and let's pretend at a tax rate of 30%, that's an earning potential of $1.3 million dollars over a 40 year span of time by yourself (retire at 65). From low-income to middle class basically.

LEAST POPULAR

MD/DO. I died of laughter so many times when these excited teens would go over to our pediatrician, ask her how she got to where she is, hear about the 11 years of education, and walk away. Literally in the middle of her sentence, they would just turn and flee! 

She was a good sport about it and joked that these students had excellent foresight.

I shouldn't have been surprised about the career trends for this group but I was. You hear so much of the stereotypical Asians become doctors shtick that sometimes you start believing it.

These students were already balancing school, jobs, supporting their family members in state and back home, and learning a whole new language in addition to the 2-5 they already knew. They didn't have the privilege to think about their earning potential 11 years down the line and hundreds of thousands of dollars in debt. These students needed to hustle, now.

I'm so curious now! Privilege - geography, immigration status, race, English proficiency, class, etc. - can directly structure places of health, such as hospitals, clinics, and community health centers! Privilege and socioeconomic factors have a huge impact on shaping "diversity" and income distribution in healthcare. How did the stratification of healthcare careers come about? How do you decide how much a person should earn to save people's lives or improve people's chances at living long fulfilling lives?

#pablr #medblr #medicine

[reversemortgagelongbeach-blog]

July 2008 Mortgage Licensing Update

$150,000 Bond, etc: Required in which the aggregate principal Quantity of mortgage loans will be more than $10,000,000 for the previous twelve (12) weeks;Massachusetts Adopts Regulations for New home mortgage Originator Law The Massachusetts Division of Banks recently embraced implementing regulations to establish requirements and procedures for licensing under its new mortgage loan originator law. Under the new regulations, loan originator applicants have to submit documentation of their fiscal Reverse Mortgage Lenders in Long Beach California responsibility, character and health and evidence of completion of pre-licensing coursework. Moreover, under the new regulations, that loan originator must disclose his mortgage loan originator license number on paper to all prospective borrowers and residential mortgage loan applicants at once a fee is paid or when a home mortgage application is accepted. Long Beach Reverse Mortgage Direct 1322-1326 Obispo Ave #802, Long Beach, CA 90804 [phone]The executing regulations became effective on May 30, 2008. Alaska Finally Adopts Mortgage Funding Licensing Regulations The much-awaited regulations executing Alaska's Mortgage Lending Regulations Act have been adopted. Regulations implement new registration and licensing requirements for persons participated in mortgage financing tasks, requiring any non exempt person acting as a mortgage company must be licensed and any non exempt person acting being a small mortgage lender be registered with their condition. The regulation also includes proficiency, application testing, and continuing education requirements on licensees and registrants. Other obligations imposed by regulations incorporate annual coverage, record-keeping, and oversight requirements. The regulations also enumerate several clinics which can be considered deceptive or unfair advertising or mortgage financing techniques, and provide for disciplinary actions taken by the Department. Finally, the regulations provide for the establishment and operation of an originator surety fund. Please examine Chapters 7 and 8 of those 2008 Legislation of Maryland (codified at F-I § 11-508.1) for essential additional information regarding the new net worth requirements, including rules regulating the utilization of traces of charge from Licensees that lend money to meet up to 75% of their minimum net-worth requirements. Some highlights of this new law are: All mortgage brokers or lenders that make or provide mortgage loans into AK residents shall be required to get a license. This consists of all businesses that work on the internet or provide remote lending from another country via email, or telephonenumber. All of mortgage originators will likely be asked to pass a background investigation and a proficiency evaluation before providing service to AK residents. All of mortgage originators will probably be asked to complete 24 hours of continuing education every biennial certification period. All mortgage originators is going to undoubtedly be required to pay into a surety fund. The fund is used to compensate consumers for losses they may incur as a result of illegal or unethical behavior for an originator. The branch will conduct assessments of authorized entities onto a three-year cycle, or earlier if your complaint is made by a consumer. Under the AMLRA, mortgage lenders and mortgage agents must get a"mortgage license" and individual originators must obtain an"originator license" A person who's the owner or lawfully authorized manager of this applicant may submit an application for a dual license for a mortgage licensee and the single designated originator for the mortgage licensee. $25,000 Minimum Net Worth: Not more than $1,000,000 in lending secured by residential property property for the previous 12 weeks; Connecticut House Bill 5577 Becomes Effective July 1, 2008 Increases the bail requirements for lenders and brokers from $40,000 to 80,000 starting on August 1, 2009. Moves the effective date of the National Mortgage Licensing System provisions of PA 07-156 and changes the name of their system into the Nationwide Mortgage Licensing System ("NMLS").HUD Reminds Lenders of FHA Rules for managing Mortgage Agents HUD recently issued a mortgagee letter reminding creditors of various payment and service restrictions https://goo.gl/maps/2jr9Rkwv9B82 when working with all non-FHA-approved mortgage brokers for mortgage. The letter claims that even though a borrower may engage a non FHA-approved large financial company for counseling services, loan origination services may well not be performed by the broker and the FHA-approved mortgagee may well not compensate the broker for its counseling services. This kind of payment will violate RESPA's prohibition on duplicative penalties and might even be considered an illegal referral fee. To this extent a borrower receives counselling by a non-FHA-approved mortgage broker, the services must constitute"purposeful counseling" and the fees must be paid out of the borrower's own available assets and disclosed on the HUD-1. In addition, a replica of the agency contract must be within the loan record submitted for insurance acceptance. Steven Sheasby, creator of Integrity Mortgage Licensing, did together with numerous mortgage companies with licensing across the nation. He's handled multiple compliance sections for both nationally lenders and brokers. His experience in mortgage accreditation along with mortgage regulatory compliance problems has given the inside track for addressing the conditions minus the expensive price of a lawyer. Contact Integrity Mortgage Accreditation at 714-721-3963 or even [email protected]. Or Visit their web site at http://www.integritymortgagelicensing.com/state-licensing-requirements/ There are just two new provisions of law regulating Maryland mortgage company licensees ("Licensees") which went into effect June 1, 2008. The first is an amendment to Md.. Inst. ("FI") § 11-508 which increases the quantity of the surety bond, letter of credit or trust accounts should be kept by Licensees. The 2nd is a new minimum net worth requirement that has to be kept by Licensees which is codified at F-I § 11-508.1. $100,000 Bond, respectively: Required at which the aggregate principal Quantity of mortgage loans is much more than $3,000,000 but not greater than $10,000,000 to its previous (1 2 ) weeks; These new requirements apply to applicants for branch and original location permits. In addition to a brand new branch location to an current blanket bond will probably need the blanket bond to be increased to the new $750,000 bond level or the solution to post a single bail for the brand newest branch from the newest level required bylaw enforcement. All individuals working as loan originators to get a Massachusetts licensed mortgage company or Mortgage Broker must submit an Loan Originator license application filing to Massachusetts throughout the NMLS earlier Monday, June 30th at 11pm, as a way to continue to use from the capacity of a bank mortgage originator. Take remember that all individuals who meet the definition from M.G.L. c. 255F, section 1 needs to be licensed. Get a handle on owners, persons, executive officers and directors of licensed mortgage lenders or mortgage brokers also needs to obtain licensure as home loan originators, should they meet the definition. Before becoming licensed, applicants must complete a residential mortgage financing course that's been approved by the Division of Banks. But, individuals may submit their program postings to Massachusetts through NMLS just before completing a course. Those who fill out an application before July 1 st will have until August 31, 2008 to accomplish a home mortgage financing program. If this a person does not perform a course prior to September 1, 2008, his mortgage loan originator license application will be resumed. $100,000 Minimum Net Worth: More than $5,000,000 in financing secured by residential property property for the preceding 12 weeks. Yet another brand new provision of law requires Licensees to match and retain a specified minimum net worth. A list of the Necessary numbers are as follows: $750,000 Bond, and so forth: Required blanket surety bond as soon as an offender files five (5) or even more traditional or renewal applications at precisely the same time and chooses to submit a blanket bond. If you are already operating as a mortgage company, mortgage broker, or originator, you don't need to be authorized under the AMLRA until March 1, 2009. Which usually means that if you are operating like a mortgage lender, mortgage broker, or originator in AK on June 30, 2008, then you are not required to be licensed until March 1, 2009. For instance, whenever an A K business license was issued to a mortgage company before to June 30, 2008, which would imply the company was doing business prior to July 1, 2008. If you put in the mortgage business for a lender, broker, or originator at AK after June 30, 2008, then you are subject for the AMLRA which happens on July 1, 2008. An extra net worth requirement of $250,000 by which a licensee has participated in more than $10,000,000 in financing secured by residential real property for the preceding 12 months will have effect January 1, 2009. $50,000 Bond, etc: Required where the aggregate principal Quantity of mortgage loans is $3,000,000 or less for the preceding twelve (12) months; The bill expands present"first" and"second" mortgage professional permits to the joint license on July 1, 2008. The bill calls for people licensed on that date to transition to the NMLS before October 1, 2008. All figures must be filed only through the system launching on July 1, 2008. Changes the expiration date for permits and designates licensing prices. Under PA 07-156, starting October 1, 2008, all permits must expire on December 31st of this year following issuance and most of licensees must spend the required licensing and processing fee to the federal system. For lender and broker licenses that expire on September 30, 2008, the bill expands the expiration to December 31, 2008. Starting on July 1, 2008, broker and lender licenses must expire at the end of business on December 31st of the season in which they're approved, unless the permit is revived. The bill needs a renewal application to be filed between November 1st and December 31st of the year when the permit expires, provided a licensee could file a renewal application by March 1 st of the subsequent year using an overdue fee of $100. Any filing by date with all the fee is regarded as sufficient and timely. The brand new required surety bond, letter of credit, or hope account numbers are as follows: Please make sure that the effective licensing of mortgage loan originators is July 1, 2008. Mortgage lender and mortgage broker licensees might not employ or retain any mortgage loan originator on after July 1st unless the person has an application pending by or approved by the Division of Banks. See extending deadlines for NMLS transitions starting July 1. States are finally beginning to complete off their efforts to legislate the housing issue. There continue to be lots of proposed foreclosure rescue plans at their nation and federal legislatures, but many state licensing invoices have been either passed or voted against. There is still some discussion of a federal licensing requirement of mortgage companies in the event the country have not complied with the national government minimal requirements. There is also a lot of debate about FHA re form, which might affect FHA Licensing, and RESPA and GSE Reform. Be prepared for some major alterations. Their still appears to become more to happen before the end of the session. This office will require proof from Licensees that they meet with the minimum net worth at the time of application for a new or renewal permit and at time of a compliance exam. $50,000 Minimum Net Worth: greater than $1,000,000 but not greater than $5,000,000 in financing secured by residential property property for the previous 12 months;Minimum Net Worth

[abdallahalhakim]

Stop the money-shaming in medicine

There is a taboo in medicine. It is becoming less prominent, but it still exists. You’re not supposed to talk about money. Not how much something costs a patient, not how much you get paid, not how you invest, and certainly not about the freedom from medicine that financial independence can bring.

This first shows up as you are applying to medical school. You don’t want anyone writing a letter of recommendation or heaven forbid an admissions committee to get even a whiff of an idea that you might actually want to receive a paycheck for practicing medicine at some point down the road. It is reinforced throughout medical school and residency and persists throughout your career in interactions with your peers, your professional colleges, your board certification organization charging you thousands to take an online test, and your hospital.

Meanwhile, the business world and particularly the financial services world views you as a whale, ready to be harpooned. And all these little doctors in their own little silos who “love science and just want to help people” are taken advantage of one by one. It pisses me off.

But you want to know what makes me even madder? When I see doctors “money-shaming” each other. Reinforcing this taboo that you can’t talk about or even learn about business or finance because it’s “filthy, dirty money” and you’re a “bad doctor” to think about it. Let me give you an example.

PIMD Gets money-shamed

Passive Income MD wrote a blog post a while back about how he is financially free from medicine. I read the post and thought, “That’s great. Now he can practice medicine if and how he likes. He’ll be a better doctor and take better care of people. Or, if he wants, he can get out of medicine and do something else that he finds more fulfilling. If he practices less or stops altogether, it allows the services of other doctors to be more in demand, keeping salaries high for everyone. How wonderful!”

Well, his post gets picked up by Doximity and shared. That’s wonderful too. I love it when my stuff gets shared with a larger audience, and I’m sure PIMD does too. There really is (almost) no such thing as bad publicity in this business. So I saw it in the email that Doximity sends out every now and then and took a look at some of the comments below his post. Most were very supportive, until I ran into one written by a psychiatrist, published under his real name (which I’ll leave out as it really isn’t relevant to my point):

Why did you go into medicine in the first place? It sounds like to get rich. Congratulations. Patients were a lousy revenue stream, too much maintenance. So you are free from an opportunity to do work that actually relieves suffering, and if you are half-as clever financially as you claim to be, you could have made a good living at. You are free from having to do the hard work of medicine. After practicing for 40 years, I still value using my competence to lighten the burden of disease on my fellow human beings, more than the fact I make a good salary doing so. You could have made more money if you had started with an MBA and a Law degree, and skipped the fake wanting to practice medicine. You are free from medicine, from hard work, from dealing with truly heavy responsibilities. Your narcissism is normative in American society. You are free giving, and free to take all you want. Enjoy! You exploited the profession, and now you can live the hedonism that is the core of your value system.

Hey kids! Get off my lawn! Seriously though, other doctors read this comment and say to themselves, “Self, be sure you don’t talk about money or financial independence to any of your colleagues because some of them are going to react like this.”

To the psychiatrist’s credit, he returned later down in the comments section and left a bit of an apology and a more nuanced, less inflammatory explanation of his views on the subject.

Stop money-shaming!

I call this sort of thing “money-shaming,” and I want you to quit doing it. Some of us are more altruistic than others. That’s always been the case. And there is someone more altruistic than you are. You’re a family doc working for $180K? Great. There’s a classmate down the road who is a pediatrician making $150K. And one who went into the military and worked for $120K while being deployed all over the world taking care of those defending your freedom. And someone else who works 3 days a week in the homeless clinic for a pittance. And someone who spends their vacation time in Colombia drilling wells for mountainous villages.

But the truth of the matter is that very few of us are willing to practice medicine for free. Especially on a full-time basis. In fact, it turns out that most of us wouldn’t be practicing as much as we do now if it wasn’t for the money. I have surveyed many groups I have talked to. I ask them if they’d report to work tomorrow if I wrote them a check for $10 Million today. They almost all say yes. But when I ask them if they’d be working less in a year (fewer shifts, shorter days, fewer patients per day, less call etc), they almost all raise their hand. My conclusion? Most doctors are working, at least partially, for financial reasons.

Why should that be a surprise? And why would it be a bad thing? Adam Smith pointed out centuries ago that, in general, we benefit each other and society as a whole as we pursue our own self-interest.  That’s capitalism. And it has led to the greatest increase in freedom, wealth, and humanity that this planet has ever seen. Nurses get paid. Teachers get paid. Garbagemen get paid. Judges get paid. Politicians get paid. Uber drivers get paid. That doesn’t diminish the value of the work they do. There’s a reason it’s called “work”–because they have to pay you to do it.

In fact, I would argue that the MOST selfless and altruistic doctors among us are the ones who are financially independent and still practicing because they love it. I would love to shorten the average time period between when a doctor comes out of residency and when she can practice merely because she loves it. But even then, I don’t expect her to work for free.

Celebrate the financial success of your colleagues

So my challenge to you is that rather than money-shaming your colleagues, you celebrate their successes. What a difference between going to FinCon (a conference of financial bloggers where you are invited to give a talk and everyone celebrates your achievement because you doubled your income) and a medical conference (where financial or business topics are generally given short shrift)!

When we start talking about paying off our student loans and our mortgages and avoiding whole life insurance and becoming millionaires and becoming financially independent then we’ll all, doctors and patients alike, be better off. If nothing else, at least a lot of salesmen masquerading as financial advisors will be driven out of business.

James M. Dahle is the author of The White Coat Investor: A Doctor’s Guide To Personal Finance And Investing and blogs at the White Coat Investor. He is the creator of Fire Your Financial Advisor!, a high-quality 12 module course with a little over 7 hours of videos and screencasts, a pre-test, section quizzes with answer explanations, and a final exam. The goal is to take a high income professional from square one, teach them financial literacy and help them write their own financial plan.

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Education Timeline

My journey to becoming a medical oncologist.

1. Earn my Bachelor’s Degree (4 years)

Major in Chemistry at University of Waterloo 

Chemistry Undergraduate Program

Prerequisites: Ontario students must have at least 6 U/M course including English (ENG4U) with at least a 70%, Advanced Functions with at least a 70%, Calculus and Vectors with at least a 70%, and 2 of either Biology, Chemistry, Earth and Space Science, Mathematics of Data Management, or Physics. 

Some Courses in this Program: Physical and Chemical Properties of Matter/ laboratory (CHEM 121/ CHEM 121L), Communication in the Sciences (ENGL 193/SPCOM 193, Calculus 1 for the Sciences (MATH 127), and Mechanics lab (PHYS 121/121L)

Tuition for Canadian Citizens and Permanent Residents 

$9,990 CAD for eight months of school based off on September 2020

Take a MCAT preparation course at Atlius for $2,499 CAD

2. Take the MCAT (costs $320 CAD)

3. Medical School (4 years) 

University of Toronto MD Program 

Prerequisites and requirements: have at least 3 years of undergraduate study (15 credits), minimum 3.6 GPA on a 4.0 scale, at least 2 courses in life sciences (ex. Anatomy or Biochemistry), at least 1 course in Humanities (ex. Political Science), at least 125 in each of the 3 sections of the MCAT, MMI (Multiple Mini Interviews) with the school, Standard First AID or BLS training, and less than full course load.

Some Course in this Program: Introduction to Medicine, Concepts, Patients, and Communities 1 + 2, and Life Cycle. 

Tuition for Domestic students

$25,219.35 CAD (1 year) plus $1700 CAD for books

4. Pass licensing exams 

Take  MCCQE part 1 and 2 to obtain a Licentiate of the Medical Council of Canada (LMCC)

$1,330 CAD for part 1 and $2,780 CAD for part 2.

5. Complete Residency (5 years)

I get to work with medical oncologists and gradually gain responsibility. This will exercise my skill, knowledge, and professionalism as a future physician. 

Apply for residency through CaRMS 

(To apply I must complete an Internal Medicine Residency core program approved by the Royal College of Physicians and Surgeons of Canada.)

Prerequisites and requirements (provincial): must be a graduate from University of Ottawa, Queen’s University, Northern Ontario School of Medicine, University of Toronto, McMaster University, or Western University

Must be a medical school student or graduate, 

$302.89 CAD

6. Fellowship (1-2 years)

Takes place in a hospital, here soon to be physicians learn to develop and use their skills in a real environment. I will learn to communicate with patients, fulfil tasks, and work with other health care providers. 

Clinical Cancer Genetics Fellowship from University of Toronto at Princess Margaret Cancer Centre (for medical oncology)

Prerequisites: Bachelor of Medicine and Surgery or Doctor of Medicine, fluent in English, has a medical background, and exposure to basic research methodology  

Application Requirements: 3 reference letters, CV, and a letter of intent

7. Specialty Certifications

Through Canadian Association of Nurses in Oncology I must obtain a certain amount of hours and experience to qualify for certification. All of the previous steps are the prerequisites of obtaining my license. 

$416 CAD

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