Texas Promissory Note: Fill & Download for Free

Isn’t Trump’s statement that he made Juneteenth famous, although he only learned about it last week, not just absurd, but obscene as well?It’s true with a large part of the US wouldn’t take note of Juneteenth without the coincidence of Trump’s rally being scheduled on that particular day. Appropriately, the rally was moved one day later.Here is the statement from the White House:Melania and I send our best wishes for a memorable celebration to all those commemorating Juneteenth.On June 19, 1865, Major General Gordon Granger of the United States Army marched into Galveston, Texas, and issued General Order Number 3, declaring, “all slaves are free.” With this order, the message enshrined in President Abraham Lincoln’s Emancipation Proclamation of 1863 was brought to Texas, unshackling thousands of slaves who had remained in bondage. Six months later, the Thirteenth Amendment was ratified, abolishing slavery in the United States once and for all.That joyous day in June 1865 became known as Juneteenth. For millions of African Americans, Juneteenth has served as an opportunity to celebrate the fundamental truth that all people are created equal and that liberty is a right endowed by our Creator.Across our country, the contributions of African Americans continue to enrich every facet of American life. This Juneteenth, as we vow always to uphold the God-given rights of all Americans, we pay tribute to the indomitable spirit of African Americans.Here is the personal statement released by Trump:On this day 155 years ago, African Americans in Texas first heard the righteous and long-overdue words of General Order Number 3: “All slaves are free.” These words confirmed for still-enslaved people in Texas that the Union Army would enforce and defend their freedom, announced nearly 3 years earlier by President Abraham Lincoln in his Emancipation Proclamation.“Juneteenth reminds us of both the unimaginable injustice of slavery and the incomparable joy that must have attended emancipation. It is both a remembrance of a blight on our history and a celebration of our Nation’s unsurpassed ability to triumph over darkness. That ability is rooted in the fundamental goodness of America — in the truths upon which we, as a Nation, declared an end to our status as the subjects of a monarch and emerged as a free and independent people: that all men are created equal by the hand of God, endowed by our Creator with the right to life, liberty, and the pursuit of happiness. These words form the heart of what Reverend Dr. Martin Luther King, Jr., called the “promissory note to which every American was to fall heir.” The celebration of Juneteenth marks an important milestone in the hard-fought journey to make good on that promise for all Americans.“This Juneteenth, we commit, as one Nation, to live true to our highest ideals and to build always toward a freer, stronger country that values the dignity and boundless potential of all Americans.”

My strategy is to get paid for stuff I'm going to do anyways, and if I can't get paid, I will only take $200/hr+ “jobs”.You're already on welfare when you're in medical school, because the state medical school is generally bleeding a lot of money per student (for me - the $17000 tuition << $90,000 cost to educate), so you should drop the ego, and rake in as many benefits and grants legally as you can.I ran a business during college and in medical school. Currently, I have 2 personal assistants, so it’s not too shabby when it comes to time available for studying, because I have a lot of help.I also have almost all my profits and assets in my family business, which I own a tiny fraction of. I run it in my home office and write off the exact dimensions I use as an office off taxes. I don’t have any state income tax.I take a very low personal income that is considered reasonable for the amount of time I put in, get as many applicable grants/benefits as possible, and I found a legal way to make my primary residence tax-exempt for state and local hotel taxes, as well as ignore local building codes. I also qualify for the ACA, get paid for Uber driving on the way to school, to make what would be living costs tax-deductible.I also don’t spend on any textbooks or paid subscriptions. I learn medical knowledge from UptoDate, free Anki decks, PBL, donated books and the library. I grab all the free office supplies, coffee, and pizza from every single club meeting. (I joined every club to get notifications) This feeds me almost every day. The only food I buy is cheap veggies, cheap frozen foods and protein powder because pizza isn't a vegetable. You should also get as many free t shirts as possible. I also happened to get a free Quora Top Writer jacket just in time for winter.I’ve already got more than enough to pay for school all 4 years, because I’m in one of the most affordable schools in the US, but I’m borrowing special Texas loans for 4% interest and writing it off my taxes, so I can use it to pay for my mortgage and personal car under “cost of living” to keep the rentals going within the terms of the promissory note. With FAFSA, your best bet is to make your cost of living - your living by strategically planning and purchasing a multiplex or home with extremely low fees and costs. Eventually, I will pay it off in full before I finish residency or by converting student loans into a HELOC. You can’t write off student loans once you make a doctor’s salary.For the average medical student, it’s all loans plus whatever your family can procure, but you’ll probably still be fine, if you’re in a low cost state school like me.If you’re in expensive private school, you may want to be careful with loans especially as you seem to be drawn into the lowest paid primary care. (Nothing wrong with it, but you should consider your finances!!)I would recommend your best bet is to find NIH research training grants ($2000/month*2 for me), and possibly school sponsored upperclassmen mentorships ($15/hr). I took a Infectious Diseases research grant, and now I’m “mentoring” a lowerclassmen for my research to work on a joint publication. The salary is directly applied to my tuition as a work-study program (exempt from FICA taxes). However, this varies from school to school and most medical students seem too busy to work. I also suggest that if you're such a student, that you consider living in a cheap run-down salvage van with a futon. Get a covered parking space and you're golden. Rent would only be less than $1000/4 years if you get a school sponsored parking garage space.If you just follow this last paragraph and stay in the lowest cost accredited medical school, you should be able to mint your MD with less than $55k in loans, 1/5 of the costs in an average private school with the same salary options. The median four-year cost of attendance of medical school was $278.5k for private schools. Unsubsidized graduate loans are at 6.8% interest currently and may go higher, meaning you will owe 400k+ (vs 88k) once you finish the shortest 3 year residency.312k after 40 years is 4.672 million dollars, if invested in the S&P 500 averaging 7% return per year. If you look at the lifetime (43 years) after-tax salary of the lowest and highest paid specialty with NPV of 5% (Endocrinology: $832,606 vs Orthopedic Surgery $4,226,224), you’ll see why it’s so critical to be mindful of costs.I don’t know many retiring docs with 4.5M+, do you?

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