General Physician Resources
Student Loan Refinancing
Splash Financial: Splash Financial has partnered with Physician Side Gigs to provide a $500 cash bonus to its members who refinance. Splash was originally founded to help physicians, so there is no maximum loan limit. Checking your rate does not impact your credit score, and the entire application can be completed online. Splash also offers the option for residents and fellows to refinance and pay $100 a month during training. Members must refinance at least $100k to receive the $500 bonus. Do so here (affiliate link) at splashfinancial.com/physiciansidegigs.
Credible: Credible has partnered with Physician Side Gigs to offer bonuses to members who refinance. Members receive a $1000 bonus paid by gift card for refinancing amounts at or above $100,000 and $500 bonus paid by gift card for refinancing amounts below $100,000. Do so here (affiliate link) at www.credible.com/physiciansidegigs. Terms and conditions apply.
SoFi: SoFi has partnered with Physician Side Gigs to provide a preferential rate discount to our members, which over the course of a loan repayment, can save you thousands given the average amount of debt carried by most physicians coming out of training. SoFi is a leading student loan refinancing provider and evaluates borrowers holistically to offer low rates. You can check your rate in 2 minutes with no impact on your credit score at SoFi.com/physiciansidegigs, and must sign up through this (affiliate) link to qualify for our preferential rates. If you have questions, feel free to reach out to (833) 277-7634 or Partner@sofi.com.
Disability and Life Insurance
Pattern for Disability and Life Insurance: http://www.patternlife.com/partner/psg. This convenient option will allow you to enter your information and immediately begin generating quotes from the major disability companies, as well as schedule a meeting with the Pattern team to discuss the options and figure out which plan is best for you. Many in the group have had a great experience with this process.
Lawrence Keller of Physician Financial Services for both disability and life insurance. I think Larry is a great guy, and he has been in the industry for a long time and is very knowledgable about the space. My family has personally benefitted from his expertise, as have many members of the group. You can email him here.
Policy Genius is a great place to run quotes online for many of the major life insurance policy carriers, and see what your options are. You can then talk to one of their representatives, who can walk you through the options, your personal needs, and talk through potential options such as laddering policies to reflect anticipated changes in insurance needs over the years. They are well regarded in the space as having niche knowledge and competitive rates.
If you're looking for an attorney to review your contract (which I highly recommend, as even a simple oversight in regards to compensation structure, noncompete, tail insurance, etc, can end up costing you a five figure amount or more), I recommend checking out Resolve. They've been rated the #1 company by physicians and review over 1000 physician contracts a year. You can browse their packages here, and for a 10% discount, enter the code PSG10.
Mortgages and Mortgage Refinancing
Credible: Credible has partnered with Physician Side Gigs to offer options for primary mortgages and mortgage refinancing. Explore options at (affiliate ad link) www.credible.com/physiciansidegigs. NMLS #1681276, not available in all states.
Fifth Third Bank: Tony Lupescu (firstname.lastname@example.org) does physician loans. He can do loans in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee, and West Virginia. NMLS #224410.
Personal Loans for Physicians
Doc2Doc Lending: Doc2Doc Lending has partnered with Physician Side Gigs to provide physicians with fast access to personal loans. It's a novel lending platform created by doctors, for doctors. Doc2Doc loans can be used for a number of reasons: relocation expenses, refinancing of credit card debt, unexpected medical expenses, practice buy-in — you name it. Rather than evaluating potential borrowers based purely on one’s FICO score, Doc2Doc’s algorithm considers doctor-specific factors to gauge one’s creditworthiness, and ultimately, to generate more favorable rates than are typically available at traditional banks. Use out link at www.doc2doclending.com/psg if you want to apply, as it will provide you with a $100 cash rebate with any newly funded loan, a 0.25% discount if you use auto payment, and your first payment due date held for 30-45 days.
Artillery (www.artillerymedia.com) that makes attractive websites (in my opinion) and is pretty reasonable in price (usually 2-5k depending on complexity). This is great for side gigs and basic practice needs. If you contact them and mention PSG you get $200 off.
Med Rank Interactive (www.medrankinteractive.com) is a comprehensive website service geared towards medical professionals - they design websites, do the SEO, social media, reputation management, etc. - if you mention PSG they do a comprehensive website analysis where they figure out how to improve the website, SEO, etc for free.
In Case of Emergency Binder
This binder is comprehensive and gives you piece of mind to hand things off to someone in the offchance that you are not able to. It's a binder or file that you save (can password protect) or print and store in safe that literally lists everything - retirement accounts, investment accounts, real estate investments, bills, medical forms, insurance information, etc. Highly recommend. PSG affiliate link: https://nishamehta--smart-money-mamas.thrivecart.com/ice-binder/
White Coats, Scrubs, Shoes, Merchandise etc.
Jaanuu scrubs and other merchandise - 25% off first purchase, 15% off subsequent purchases: https://www.jaanuu.com/collection/best-sellers?utm_medium=affiliate&utm_source=psg
Medical Billing and Coding
The group may be about side gigs, but you definitely want to make your main gig as a physician as profitable as possible! This course goes over the basics and complexities of medical billing and coding for the very reasonable price of $249. Also you can get an additional 10% off by entering the promotion code 'sidegigs' at checkout. Get more info here.
Dr. Cory Fawcett has put together a very comprehensive course on how to approach 'locums life,' with everything from how to get gigs to how to maximize your 1099 benefits to how to best use rewards programs and more. Check it out here.
I use MOO, and get asked about these cards every time I hand them out. They are visually appealing and memorable. You get 25% off your first offer by using our code! https://refer.moo.com/s/nishamehtamd
Retirement and Pension Plans, including Defined Benefit Plans
Shore Tompkins Actuarial Resources: https://www.shoretompkins.com/ - I interviewed several companies and found them to be extremely knowledgable with efficient service. Mention PSG or Nisha Mehta, MD for $250 off.
Disclosure: This page contains advertiser info and affiliate links, which support the group at no cost to you, but I'd recommend them regardless!
This page contains an advertisement from a third-party advertiser, Credible Operations, Inc., which is licensed as a mortgage broker in some, but not all, states (see https://www.credible.com/a/mortgage/licenses). Information contained herein is provided for illustrative purposes only, without any representations or warranty as to its accuracy or applicability to you. All credit requests are subject to review and approval, and your actual loan terms will depend on your financial situation. Credible Operations, Inc. is solely responsible for the content of its advertisement and the services it provides.