@TourSwingsTommy That’s why I have a line on my ball only, and no line on my putter. No conflict, and can get feedback watching the ball tumble.
Ping Anser PLD got it right!
One of the wildest stats in sports:
This is the 46TH CONSECUTIVE SEASON in which a former teammate of Jaromir Jagr has appeared in the Stanley Cup Final.
This year, it's Golden Knights defenseman Rasmus Andersson, who played with Jágr in Calgary in 2017-18.
Humanity, created by God in all its grandeur, is today facing a pivotal choice: either to construct a new Tower of Babel or to build the city in which God and humanity dwell together. In Jesus Christ, this humanity in its grandeur becomes the Way, the Truth and the Life, opening the path for each of us to grow toward fullness. #MagnificaHumanitas
https://t.co/6i9MWs6LJl
Not sure the right answer, but new grads TALK TO AN ADVISOR! Really important to get debt free asap, even more important to not make rash decisions because interest compounds.
I’ve been waiting for this clarification for months. Earlier in May, the final regulations on student loans dropped — and it changes everything for residents. 🚨 This could save residents $50,000-$100,000 in student loans.
Here’s the bottom line: you can switch between RAP and IBR during training💰
Why it matters:
Right now, every month you’re in IBR or PAYE, your loan balance grows. 📈 Interest piles on. By the time you finish a 5-year residency, your $200,000 in loans will increase to close to $300,000. 😩
RAP fixes that. ✅
Here’s what happens. In RAP:
🔹 ANY unpaid interest after your payment is waived (ie forgiven - it just goes away) AND you get a $50 monthly subsidy.
The result? Your student loans debt actually goes DOWN during training instead of up. 📉
This gives you time to decide on your final plan to pay it off aggressively yourself after training or to pursue PSLF. Without having to watch your debt burden skyrocket.
Before this, residents were going to have to choose RAP or IBR and stick with it without knowing if they made the right decision.
Let’s say you enroll in RAP intern year. Then in PGY-5 year you choose your path:
🏥 PSLF path → switch to IBR as an attending (your RAP payments count towards PSLF)
💸 Aggressive payoff → stay in RAP and then refinance after training
You don’t have to decide your whole financial future as an intern. You just have to stop the bleed. 🩹
Who should do this?
1) 100% of single residents
2) Most married residents
🚨 The trap that ruins everything:
If you consolidate and your consolidation loan disburses AFTER July 1, 2026, the new loan disburses post-cutoff. IBR is gone. Forever. ⛔ You’re locked into RAP for life.
The play:
1️⃣ 99% of single residents (and most married residents) should enroll in RAP the moment it’s available
2️⃣ Do NOT consolidate if loan will disburse after July 1, 2026
3️⃣ Decide IBR vs. RAP at the end of training
PLEASE share this and send it to friends. It’ll save them a ton of money.
#medtwitter
again for the people in the back:
urinary tract infection is an EXCEEDINGLY rare cause of nosocomial fever or sepsis.
most such “cases” are probably misdiagnoses.
cystitis happens, for sure, but isolated cystitis doesn’t cause fever or sepsis.
If you're a millennial it's time to pick your midlife crisis:
1. Quitting alcohol
2. Running 10 miles before work
3. Divorce
4. Panic baby at 35 with wife you hate
5. Pickleball
6. ADHD diagnosis
7. Dressing like you did in 2004
8. Blacking out every weekend like you’re 21
9. Weekly hinge dates
10. Ice baths and saunas
11. Board games and craft beer in the suburbs
12. Getting into tattoos
13. Quitting your job to explore your “passions”
14. Plants and the environment
15. Traveling