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My books about Student Loans are free through the end of July

06.20.18 // Finance, Writing

Last year I published a book about managing student loans for medical students and doctors. Earlier this year I extensively revised that into a new book for a general audience. This week, I updated both books.

And now, I’m giving them away for free (at least until the end of July 2018).

Student loans are now depressingly the largest category of consumer debt outside of mortgages. With another graduating class hitting the workforce, I wanted to make my student loan books available to everyone. These are around 45k words, so they’ll take a few hours to get through, but it’s time well spent.

 

 

Amazon doesn’t easily let you give away free books these days, so I’ve discounted them to $9.99 $2.99.

To get a copy for free, you can download one from your inbox by signing up below for my forthcoming very infrequent/sporadic email newsletter. And, if you aren’t interested in ever hearing from me again, then just hit the unsubscribe link in the first paragraph of the download email. I don’t have any interest in cluttering your inbox.

 

[sorry, promotion is over!]

 

If you’re a medical student or physician, click the box for Medical Student Loans. If you’re anything else, click the box for Dealing with Student Loans. These are essentially the same book adapted for different audiences. You only need one.

Topics include:

  • Borrowing less and minimizing interest accrual during school
  • How Federal Loans Work & Federal Repayment Options
  • Income-driven repayment (IBR, PAYE, REPAYE, and ICR)
  • Federal “Direct” Consolidation
  • Forbearance & Deferment
  • Public Service Loan Forgiveness
  • Maximizing PSLF
  • Long-Term (IDR) Loan Forgiveness & Loan Repayment Programs (LRP)
  • Private Refinancing
  • Taxes & Retirement

Please consider sharing this. There are very few good resources for student loans and a lot of misinformation. I wrote these books because no one else had. I hope you enjoy them.

So now I’m using Bear

04.02.18 // Writing

Update: I went back to just using Workflowy for all drafting. It’s just so easy and awesome.

There were two developments that led to me implementing new workflows to get my writing done. I’ve been interested in different writing environments and different tools for longer than I’ve actually done any significant writing but always fell into the typical trap of spending more time researching what to use than I ever spent actually using anything other than the built-in post editor for WordPress and Microsoft Word.

The first was the birth of my son 3 years ago. I don’t know what I used to do with all of that time, but it became clear that with priorities of being a father and then being a physician that I would need to be more deliberate in carving out a niche for writing.

The partially-related second development is that I started to do a lot more writing on my iPhone. To write effectively on the phone, you need a tool that allows you to get words down quickly and keep your snippets and thoughts organized. Another big plus is solid syncing so that you can switch back and forth on the same project on other devices seamlessly.

Last year, I had a two-app system. WorkFlowy for my snippets, lists, and braindumps. I previously wrote about how I used this awesome free service (with completely optional paid upgrades) to write my second book. Then when it was time to sit down and really flesh out that manuscript I used Ulysses. I even had my entire to-do list in Workflowy for a while.

This worked great. But I found that my post snippets and drafts were numerous enough that they started to get cluttered and lost in my tangle of multi-layered WorkFlowy outlines. I use the app for so many different things that it took time to find the right place to put the right snippets, and I didn’t have the time to sit down and use the Web app to re-organize frequently enough. Workflowy is awesome for unstructured data entry, but it was less good for building up multiple drafts simultaneously, which was especially tricky because I was using it for so many different things that I had to navigate through frequently. These extra seconds sometimes meant either losing organization or losing a thought I wanted to transcribe.

The simple solution was staring me in the face the whole time: Bear.

Now, it didn’t actually have to be Bear. It could have been any decent note app. Byword, iA Writer, and even the built-in notes app would all work the same. Bear just happens to be a particularly well-crafted one that is super responsive, a pleasure to use, and has a robust tagging system (and was perhaps coincidentally the one I was testing out when I figured out my new plan). Bear is completely free to use and $15/year for premium features like cross-device syncing.

What I needed to optimize for my phone writing workflow was an app for long projects which is well organized and synced to my computer (Ulysses). An app for lists and brain-dumping and especially for building up lots and lots of snippets for longer works (WorkFlowy). And—and this was the surprise/revelation—an app just for blog posts.

I think most people intuitively want to use fewer apps. The view of so many app reviews and so much productivity writing is that if you just find the right system or best workflow that everything in your life magically falls into place. The truth is that putting the hours in and developing good habits are what gets results. The tools are just lubrication.

So originally, I wanted to find the right thing that works for everything. Ulysses is basically perfect for that. But I wear different kinds of writing hats and write different kinds of things on my phone so having Bear dedicated to fleshing out a limited number of brewing blog posts is extremely efficient for me, even if it also results in a little additional clutter on the home screen.

Big Update to Medical Student Loans

03.08.18 // Finance, Reading, Writing

In addition to publishing my “general audience” student loans book last week, I also pushed a pretty sizable update to the original doctor’s version last week.

Medical Student Loans has been revised for 2018 with a slew of small updates and a few new features, including expanded sections on the “married filing separately” loophole and its pitfalls and updates in the world of private refinancing for residents. On top of that, I’ve updated all numbers and figures for the 2018 tax year and made several bug fixes and clarifications throughout the text.

It remains a living document, so feedback is always welcome.

All new buyers will always receive the most recent version.

But, if you purchased the book previously, you can download the updated revision through the “Manage Your Content and Devices” on your Amazon account. Enjoy!

My book on med school student loans is free through Friday

11.15.17 // Medicine, Writing

Amazon is running a promotion on my book Medical Student Loans: A Comprehensive Guide so that it’s free on Kindle through the end of Friday. If you haven’t already, now would be a great time to check it out and get your finances in order.

A 280-character Twitter is stupid

11.09.17 // Writing

A lot of people place their hopes on tech companies to save the planet and make literally everything better. At least the tech companies like to pretend they will.

And then you realize how silly so much of it is and how poorly run many of these companies truly are, with so many of them desperately scrambling for their share of our attention paid via advertisements and tracking which we collectively despise.

Twitter is not as big as Facebook and will never make as much money. They don’t have as much data about you as an individual and thus cannot target you for ads with the same gusto. The growth solution, from Twitter’s thinking, is that the 140-character limitation is really holding the service back.

To the contrary, the 140-character limitation is probably Twitter’s only unique selling proposition. Twitter with longer tweets is just like a Facebook newsfeed with more strangers and fewer actual friends. The brevity and speed have been an integral part of the service since its inception. While the original limit was due to the technical limitations of text messages, it nonetheless became part of the character of the service (see what I did there?). It’s definitely a pro/con, but it is unequivocally a true differentiating factor. I’m sure this has been tested and debated for months if not years, but that doesn’t mean it’s the right long-term decision. Platform growth and health don’t always align. MySpace was doing “great” for a while too.

I wrote little stories crammed into tweets every day for over 7 years. 1This is weird, I know. I started one of a handful of publications that feature and even pay authors for tiny stories that fit in a tweet.

For me, the constraint has always been the whole point.

Nanoism will always have a 140 character limit. Constraint is the USP of the platform. We’re not a Facebook publication for a reason.

— Nanoism (@nanoism) November 9, 2017

This isn’t to say someone couldn’t start a compelling 280-character limit fiction venue, but would it really be Twitter fiction? Twitter was inspiring as a creative venue for the same reason that people enjoy (if are also occasionally aggravated by) the linguistic acrobatics required to fit their thoughts into the short form. It’s challenging and often surprising.

Of course, I will fully admit that most of the 140-grumblings surely come from longtime users with emotional attachments, particularly writers. I don’t doubt that most people will be able to simply say what they want to say more easily with a longer limit, and that such engagement may—potentially—lead to more usage and advertising revenue.

But I’ll leave it to John Dingell (91-year-old former Congressman from Michigan):

99% of you people don’t even deserve 140 characters.

— John Dingell (@JohnDingell) November 7, 2017

See? No constraints and this post is way too long. Which is another way of saying that @nanoism will always have a 140-character limit.

How I wrote my second book

07.23.17 // Writing

I published my second book a little over a month ago. It took about 11 months from conception to release, clocks in at around 45,000 words, and the bulk of the first draft was written (actually dictated) on my iPhone using Siri and an app called WorkFlowy. A significant fraction of that was “penned” walking down a quarter-mile long sky-bridge that attaches the decrepit parking garage I park in to the hospital I work in, which I typically traversed a few times a day as a resident.

 

 

(Mmhmm, dictation errata.)

The workflow basically went like this: dictate fragments and ideas while walking. Lots of them.

Some of these started off as headings and things to cover later in further detail ( especially those parts that require crunching numbers). Other parts were fully fleshed out (sometimes with placeholders for the data I didn’t have offhand). Back at my computer, I intermittently organized these entries into categories using the browser/web-version of Workflowy.

Workflowy—which is a note-taking/outlining/list-making platform—is perfectly suited to this because it allows for an endlessly large and endlessly nested hierarchal outline. (It’s a freemium app; it’s free but you can pay for upgraded features. That link is a referral that doubles the number of list items you can add per month. Using that would add to my maximum as well, but I already have more than I need). I use Workflowy for basically everything I write: post ideas, drafts, quotations, rapid to-do lists, etc. You can expand and collapse different levels of the outline with the click of a bottom and drag/drop to reorganize elements on the fly. It’s basically frictionless.

So, I spitballed the first half of the book based on a latent outline I had in my head and the topics I knew I would need to cover. Once I had some volume on paper [sic], I went back in and plotted out the chapters I would include and then nested everything I had already written in their proper locations. I had approximately 10,000 words dictated before I organized all these fragments into chapters. The outline format makes it easy to generate new content and then filter and clump it together in batches, so then I knew where the gaps were.

As I got the core content done and it was time to synthesize the disparate elements, flesh out certain paragraphs and arguments, etc, I then transferred the whole outline into Ulysses: the only distraction free writing environment I’ve ever used meaningfully (I also wrote my Texas JP exam book in it). Ulysses allows you to create a smart-folder with multiple separate text documents (“sheets”) in it while displaying them all in a sidebar on the left. So I transferred all the primary chapters into their own sheets within this larger group. Then I begin the process of fleshing out the writing, fixing innumerable dictation errors, adding examples, figuring out all the data I needed, crunching the numbers, and trying to limit repeating myself too much (it’s easy to have an epiphany and dictate what you think is an amazing well-argued point only to realize you’ve already said it twice).

 

 

The Ulysses’ sheet system allowed me to keep all my chapters in separate places to move effortlessly back and forth between them, keeping the format simple with Markdown instead of the usual poorly-implemented Word styles (this is particularly helpful when trying to format e-books, as well as preventing me from wasting my time fiddling with formatting when I should be writing). Ulysses isn’t great for complex data like tables, so as a consequence, those had to wait until the final push. When I was done writing, I exported the whole thing into Microsoft Word for the final additions, table of contents, etc.

The folks who make Ulysses finally released a fantastic iOS version during this process, which I could theoretically use for my next project from the very beginning. The mobile app is a separate purchase but well worth it. Once I move a project into Ulysses, I can now edit it on my phone or on my computer and the iCloud sync works perfectly every time. But I’ll probably still use Workflowy for the initial draft; it’s just so flexible that nothing I have beats it. On the other hand, I’m slowly revamping my “Guide to Fourth Year” and doing it on straight on Ulysses (because I had the initial drafts already written from the old blog posts).

Ultimately, Medical Student Loans: A Comprehensive Guide was a bit scarier to write in some ways than my first book. The JP book was in some ways straightforward: distil a large amount of known boring material into a reasonable amount of condensed material with the hopefully right balance of precision, clarity, concision, and humor. I knew there was a small but underserved market of people (i.e. all physicians who need a Texas license), and I felt that there were several workable but no good options.

No one needs a student loan book. There is no mandatory test. I’m competing with a bunch of free websites and a few mostly crappy books that I am confident no one is actually buying or reading. The vast majority of these don’t tailor well to doctors, but enough cover the issues well enough such that a dedicated person can learn enough in a couple hours to feel like they can (in many cases correctly) make reasonable decisions.

All that said, I believe strongly that more young docs and docs-in-training need the material in this book. Many if not most graduating students don’t understand their loans or even have the basic financial literacy foundation to make sound decisions about them (or any other financial decisions for that matter). That is why I wrote the book, and I’m glad I did!

Overall, it was a big fun project that took way longer than I’d planned. On to book #3!

My new book: Medical Student Loans

06.22.17 // Finance, Writing

My second book, Medical Student Loans: A Comprehensive Guide, is now out. It’s a novella-length treatment of student loans specifically for physicians and written to cover the topic for all levels: premeds, medical students, residents, and attendings. It’s especially helpful for graduating MS4s and by its nature also covers important basic financial literacy in a hopefully non-threatening way.

In other words, I hope you like it.

Despite years of writing about student loans on this site, it was a ton of work to put this together and finally get it out to the world. To celebrate, I’ve made it completely free to download from Amazon until the end of Sunday, June 25.

MSL will also be part of the Kindle Unlimited program for the next three months. You can get a 30-day free trial if you need another way to read it for free.

Consider it your first few hours of CME.

TMJP Exam Milestone

03.26.17 // Writing

Hit 100 reviews on Amazon this week. 4.9-star average rating.

Tickled and gratified.

The Texas JP Exam guide, now in print

06.08.16 // Medicine, Writing

[Update: Sorry, I’m no longer offering the print edition]

I finished polishing the print version of my review book for the Texas Medical Jurisprudence Exam and made it available on Amazon last month. It started outselling the Kindle version after a few weeks, which goes to show that—assuming relative costs are reasonable—a lot people still like reading books on paper.


It’s also useful as a non-pharmacological sleep aid.

Me & Nanoism on NPR

05.19.16 // Writing

yUFp12rpGot to put on my writer/editor hat and be a guest on WNPR’s Colin McEnroe Show to talk about Twitter Fiction, Nanoism, and read a few tweet-sized tales. This was my very first radio interview (and live is tough, oof!). My part is toward the beginning, with Colin introducing me around the 6:45 mark. But you should at least listen to the very beginning, because their intro sketch bit is the best part of the show.

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