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Viewing the 'General stuff - not money-related' Category: Disneysteve's Common Cents Blog
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Just an update

March 26th, 2020 at 12:11 am

I realized I haven't posted for a couple of weeks. Heck, I haven't even been reading anybody else's blog. Obviously, it's been a crazy time, and being a healthcare worker, I'm not on lockdown like so many others including my wife and daughter. I've still got to go to work every day and that's been a whole new level of crazy with the rules and guidelines and policies and procedures changing pretty much daily.

On the plus side, patient volume at urgent care has plummeted. My theory is that with schools closed and so many people working from home, there just isn't that much routine illness going around. Also, with all sports and activities suspended, gyms closed, etc., we're not seeing all of the sports injuries we typically get. So we've been quite slow.

On the other hand, we're on the front lines of the COVID-19 stuff. We are seeing plenty of patients with respiratory symptoms so every person who walks through the door is a potential case and we need to act accordingly. That is quite stressful for all of us.

In addition, because of the decreased volumes overall, we're starting to worry about our jobs. They have already stopped urgent care services at 2 or our 8 sites and reassigned providers to the remaining 6. But we wonder how long that is sustainable when we're seeing about 1/3 of our normal volume. Colleagues across the country are reporting their urgent care clinics are cutting back operating hours or closing sites entirely. Some providers have even been laid off. So obviously that's a huge concern for me.

The "good" thing is that I work for a large hospital system, not an independent urgent care company. If the situation reaches a point where they really feel they don't need some of us in urgent care, they may reassign us to other clinical duties, especially if the hospitals start getting overwhelmed with COVID patients and/or a lot of providers are out because they are infected or at least quarantined due to exposure. So at least right at this moment, I think my job is safe, but I know that could change at any moment.

My daughter's job shut down a week ago Saturday and they were officially laid off a few days later, making her eligible to file for unemployment. She was upset about that and is hoping that her job opens again whenever appropriate. Her manager told her they definitely want her back but there is always that chance that they might trim staff or simply fold if they can't financially stay afloat.

My wife is managing pretty well with the whole situation. She doesn't work outside the home so her routine isn't quite as disrupted as ours, though it's still affected. Other than us taking a couple of family walks, I don't think she's left the house for well over a week. She normally does a weekly volunteer gig packing home meals for the elderly, plays Mah Jong every week, and does another monthly volunteer thing for a blind support group. All of that is gone for now. I know she's also really worried about me, afraid that I'll catch the virus at work.

And of course, we can't ignore the financial impact this whole mess is having. Last time I checked, our portfolio was down about $230,000. I'm sure it recovered a bit yesterday and today but that's still a huge loss on paper. I did do some buying over the last couple of weeks so I'm hoping that will help when the recovery ultimately happens. I got some stuff at pretty rock bottom prices (I hope) so that will goose the returns some when things start going back up.

I guess that's long enough of a post for now. I hope everyone else is holding up okay through all of this. Stay safe. Stay healthy. And STAY HOME!

Posted in Personal Finance, General stuff - not money-related, Work/Career | 3 Comments »

How do you spend your evenings?

March 5th, 2020 at 01:20 am

This isn't quite a financial topic, though everything is to some extent, but I'm looking for everyone's thoughts.

How do you spend your evenings? After work and dinner, what do you do for the rest of the day?

I've really been struggling with this for a while. I feel like we don't do much of anything except watch some TV and spend time on the computer or our phones.

We do go to the gym regularly, but not at night. My wife does a lot of sewing and quilting, but not typically at night. I really have no hobbies or interests that I engage in anymore.

I don't like shopping unless there is something specific that I need, which is rare. I don't actively collect anything like I used to. I occasionally list some items on ebay but that hasn't been a regular thing for years.

It's a bit easier in the warmer/longer sunshine months because I'll do a little yard work or spend some time cleaning the garage or go for a walk/run, but especially in the winter with the colder weather and shorter daylight hours, I just feel like a slug.

I don't expect anyone to have a magical solution for me but I thought that maybe hearing what everyone else is up to might inspire me.

Posted in General stuff - not money-related | 16 Comments »

Won a nice raffle prize

December 21st, 2019 at 02:33 am

I got a voicemail yesterday from a liquor store we frequent saying I had won a gift certificate for a whiskey dinner for 6-8 people. I didn't know exactly what that meant. We took a ride over there today to find out.

It turns out that what I won is a $600 gift card to a very nice local restaurant. There is no official "whiskey dinner" that they do. We can use that gift card however we'd like.

We talked about it a bit and what I think we'll do is invite one couple to join us for dinner one night and invite another couple a different night. Eight meals should pretty well burn through $600. If anything remains after that, my wife and I can just put it toward another meal for the 2 of us.

I was excited to win anything and certainly blown away that I had actually won a $600 prize.

Posted in General stuff - not money-related | 4 Comments »

Staycation Day One

November 14th, 2019 at 02:22 am

It's actually been a long time since I took a staycation. I always mean to but it just hasn't happened for years. I had a bunch of PTO I had to use up or lose at the end of the year so I took some random days off. The way my schedule works, I only need to take off on a Thursday to get 5 days off in a row so that's what I did this week.

Today was day 1. Slept late. Like really late for me - 9:20, which was great because for some reason I was really exhausted yesterday. Did some cleaning around the house today including packing up a bag of clothes for Goodwill. DW and I went to Target for a few things and stopped at Goodwill on the way back to drop off the clothes and an old broken printer to recycle.

DD worked tonight so DW and I had a date night. We went to dinner at a place nearby that we've never tried but was on the 1,000 point list for Open Table. It was really nice, definitely a place we would go back to. Then we fired up Disney+. One of our goals with the new service is to catch up on the Marvel cinematic universe and see all the films we've missed. First up tonight was Captain Marvel. We enjoyed that.

No big plans for tomorrow except going to the gym at noon (DW has an appointment with her trainer). I have a number of things on my To Do list so we'll see where the day takes me.

Posted in General stuff - not money-related, Cooking/Household Stuff | 3 Comments »

Update and an attempt at blogging more

February 16th, 2019 at 03:01 am

I've never been that active over here on the blogging part of the site although I'm very active on the forums. I'm going to attempt to change that. I like answering questions and helping people there but I'd also like a place to share more of my own (our own) journey.

Let me start by re-introducing myself here. I'm Steve. I'm 54, married for 26 years, one daughter age 23. I'm a family practice physician who spent 24 years in private practice. Starting in April 2016, I gradually transitioned to working in urgent care, first going per diem, then part time, and finally full time in November 2017.

The result of that job transition has been a dramatic change in our financial situation. I went from earning about 120K to earning about 210K. The new position also has much better benefits including cheaper and better health coverage, a 401k with match, and more.

Another big change in the past year was our daughter graduating college. We paid for the 1st 2 years with the 529 money we had saved since she was little. We paid the 2nd 2 years mostly out of pocket so that was a bit tight as we were spending about $3,000/month for that. Once she graduated, our disposable income jumped up basically overnight.

The next big change will happen in a few months when we pay off our mortgage. I'm not exactly sure when that will be but no later than the November 1, 2019 payment. I expect to do it before that though. That will free up a total of about $1,700/month. I'm still debating what to do with that money going forward.

One thing that has been on our future list forever is buying a house in Florida and potentially moving there. As I am very happy in my job now, which wasn't the case previously, I'm actually finding that the drive to move isn't really there, but I do like the idea of getting a place of our own down there for vacations. We rent a condo or townhouse every time we go down, almost always in the same development. Last time we were there in November, I started looking at the real estate listings and we can definitely afford to buy one of those homes as a second home once our house is paid off. We haven't seriously talked about it or looked into it in great detail but I know that we can swing it if we decide to. I know a couple of realtors down there who I trust and plan to contact when we're actually ready to look for real.

I'm going to stop there for now but, as I said, I plan to make an effort to hang out here more and tell more of our story as long as people want to hear it.

Have a great weekend everyone. I'm working but also have some fun plans as we're going out to dinner with friends tomorrow night.

Posted in Personal Finance, General stuff - not money-related, Work/Career | 6 Comments »

Job Update

February 20th, 2017 at 03:29 pm

I realized I haven't posted for a while and a lot of you don't frequent the forums.

As of this Sunday, I will be starting part time with the urgent care job and cutting back to part time in my family practice. I'll be doing 20 hrs/week at urgent care. For the first month, my family practice hours will drop to 22.5. After that, I plan to drop it to 21.5.

Doing this will boost my income for 2017 by about 20% over what I made in 2016 and in subsequent years a bit more than that since I'm making the change two months into the year.

I will still be able to pick up per diem shifts if I want to (and based on availability). I only have one extra shift scheduled for March at this point but stuff opens up pretty regularly due to people calling out sick or other things cropping up.

Right now, the plan for the extra income is twofold. First, more money will be going into the 401k. I'm keeping my contribution rate at 10% for now but 10% of a higher income is more money.

Second, we took a PLUS loan for our daughter's college costs back in August and will take another this coming August. We are already aggressively repaying it ($1,000/month) but will also use some of the additional income to pay those loans off even faster. She will graduate in May 2018 so the end of college costs is rapidly approaching. Last tuition payment will be due in January 2018.

Posted in Personal Finance, General stuff - not money-related | 5 Comments »

Urgent care job scheduling issue

November 21st, 2016 at 06:40 pm

I've been working at the urgent care since May and have been very happy with the work. I've been trying to do 1 or 2 nights a week and that has been just enough without being too much. This month, I will have worked 8 shifts which is great (and great money).

The problem is that when the December schedule came out a few weeks ago, there were hardly any open shifts to choose from. I was hoping it was just a fluke but the January schedule came out today and it was the same or worse. I may actually end up with no shifts in January based on what's available and when I'm free to work.

I sent the director an email with my concerns about this. I also told him that if a part-time position becomes available, to keep me in mind as I might be interested. I'm not sure how that would work with my regular job but I figured that conversation was going to happen eventually. If it comes down to picking my full time practice or the urgent care, I'm picking urgent care. I was just hoping that wasn't going to happen.

Posted in Personal Finance, General stuff - not money-related | 3 Comments »

Report on the new job and a family emergency to deal with

June 5th, 2016 at 01:19 am

I realized I never posted anything after my first day at the new job.

To give a quick review, I'm a family practice doctor. I've been in private practice for 23 years, 16 at my current job. For various reasons, I decided it was time to start exploring other options and Urgent Care centers are popping up like weeds and in desperate need of doctors to staff them all. I interviewed with a couple and signed on to work per diem with one chain of centers connected to a big local hospital group. They currently have 5 centers, a 6th one not far from my house will open next month, and 1 or 2 more should open by the end of the year. So they are expanding rapidly and that just means more and more shifts to fill.

I did my first shift a week ago Thursday evening 5-9pm. It actually went pretty well I think. It got a bit hectic in the last hour or so and I was still muddling my way through the computer system but I managed (with the help of my one-on-one IT support person who was with me the whole time).

My next shift wasn't scheduled until 6/16 but I decided I needed to work before that to keep up on the learning curve so I picked up an open shift last night, also 5-9pm. That went much more smoothly than last week. I felt a lot more comfortable and confident in what I was doing. My IT guy was with me again and I made sure to work with him to clarify some specific workflow routines on the computer and I took good notes of the processes so that on future shifts when he isn't there anymore, I'll be able to know what I'm doing.

Right now, the 6/16 shift is the next one I've got booked. I was going to possibly pick up more but we got some bad news this morning as a very close relative was just diagnosed with colon cancer. He's in the hospital now getting worked up and will likely have surgery in the next few days. My wife and mother plan to fly down to Florida to be with him. My daughter and I will stay home. I don't want to commit to any more shifts until I have a better idea of what's going on with him. If not for that, I'm all set to jump into the new position on a regular basis.

The question now becomes what to do with my existing job. I'm still working full time there. My partner and I have already talked about me possibly reducing my office hours so that I can split my time more with the Urgent Care. Part of me really hates to leave the practice as I like what I do for the most part, but personally, professionally, and financially for sure, the new job has a lot of advantages. I don't think I'm going to make any decision for at least a couple of months but I've got a lot to think about. So for now, it's just a side gig and some nice extra money.

Posted in Health Care/Insurance, Personal Finance, General stuff - not money-related | 4 Comments »

First day at new job! Ahhh!

May 26th, 2016 at 12:51 pm

I will be officially starting and the new Urgent Care center job tonight. I'm working 5-9pm. I'm both excited and nervous which I suppose is pretty normal.

I had my orientation on Monday. That was pretty interesting but wasn't specific to my position. It was just general stuff about the hospital system, being a good employee, human resources info, etc.

I did shadow the medical director for 2 evenings last week to start to learn the workflow. That helped me at least feel like I have some clue what to expect when I walk in the door tonight.

I'm hoping it all goes well and I feel comfortable working in that environment because the opportunity is a great one. I'll report back tomorrow if I remember.

Posted in Personal Finance, General stuff - not money-related | 7 Comments »

Update and some parental bragging

May 15th, 2016 at 04:18 pm

For those following along on my new job, my first shift at the urgent care center is scheduled for May 26 in the evening (5-9pm). I'm going in 2 days this week to shadow the director while he's working so I can start learning the flow of the place.

My orientation for the hospital system is May 23. I'm sure that the vast majority of what they cover won't apply to me since I won't be working in the hospital but I'm required to attend and they pay me for it.

I've got 2 more training days for the occupational medicine department at the end of June.

On to the bragging part. My daughter is not the type who is comfortable with us talking about her accomplishments so I can't share things like this on facebook but I wanted to tell someone Smile. She finished her 2nd year of college with her best performance so far. For the spring semester, she had all A's or A minuses giving her a 3.88 GPA. That raised her cumulative GPA to a 3.398 I think. Last semester we were kind of nervous because she needs a 3.2 to keep her scholarship and a 3.3 to stay in the honors program and she was in danger of missing those marks but she pulled it together this semester and firmed up her position. That puts her on Dean's List for the semester, too, which is always a nice thing to have on your resume.

Posted in Personal Finance, General stuff - not money-related | 10 Comments »

Accidentally banned from forums - HELP

December 27th, 2015 at 10:40 pm

Hi all. I went to check the forums today and a message popped up that I had been banned. I'm sure it was a mistake and I sent a notice through the "Contact Us" link so hopefully they'll fix it.

Has this happened to anyone else?