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Articles by Charles Patterson
BLORA: A Soldier’s retreat to reconnect, recharge
As a Soldier, life is often lived in a fast-paced, high-stress environment. Whether it’s in the field, on deployment or during rigorous training exercises, we are taught to push through pain and fatigue, stay focused on the mission and to succeed. After months of this rigor, we all need a place to recharge, relax, breathe and reconnect with the world outside of uniform. For many of us stationed at Fort Cavazos, that place is the Belton Lake Outdoor Recreation Area.
Setting Expectations for the Moderate-Income Physician
By Dr. Charles Patterson, WCI Columnist Expectations play an important role in your perception of success. While some may argue that lowering expectations is key to happiness, I don’t think that’s quite right—especially in an arena as personal and relative as personal finance. The individual investor has ample means of control: savings rates, investment selection, and even the amount of involvement and monitoring of a portfolio.
Resources for a Military Family
By Dr. Charles Patterson, WCI Columnist Most of us parents want what is best for our children, even when obligations to our patients and careers supersede the ideal participation in their lives. This reality is highlighted for children of military members with sometimes appalling consequences. The constant threat of being uprooted, long parental work hours, deployments, and a whole host of hardships leave military children at a much higher risk of psychosocial morbidity.
Finance Boldface: Why Doctors Should Take Their Money Cues from the Aviation Industry
By Dr. Charles Patterson, WCI Columnist Doctors generally suck with money. Doctors are generally good at doctoring. It would seem that if you can become proficient at the latter, the former should come intuitively. Medicine is complex, tedious work that requires its practitioners to become masters of deductive reasoning and wielders of delicate procedural skills. The basic concepts of financial literacy are straightforward and are, for anyone interested, readily accessible.
How a Moderate Income Physician Should Think About Being an Accredited Investor
[Editor's Note: We’ve already received dozens of applications for the 2024 WCI Medical School Scholarship, but we still need your help in giving away more than $60,000 to our future physicians. If you’re a working or retired professional who would like to give back to the medical community, apply to be a scholarship judge. You can find all the information here, and if you’re interested in donating your time, send an email to with “Volunteer Judge” in the subject line.
A DIY Investor’s Guide to Retirement Calculators
By Dr. Charles Patterson, WCI Columnist There you are, minding your own business and doing whatever it is you pretend is medicine when the thought strikes you: will I have enough to retire when I want to? It's a natural question. You’ve been out of training for 20 minutes now, and in that time, you have discovered that running bowel, staring at a computer screen, or getting yelled at by an inept parent are not sustainable means of finding fulfillment in this short life.
Phase of Life Spending
[Editor's Note: For those who want to inspire the WCI community and teach the knowledge they’ve gained in the financial and/or wellness spaces, we are officially calling for WCICON25 speakers. We’re headed to San Antonio from February 26-March 1, 2025, and we want readers like you to teach attendees about investing, wellness, or something completely unique. All you have to do is apply at wcievents.com.
Being a Military Doctor
[Editor's Note: Happy Match Day! To celebrate, we’re offering the CFE 2023 course (a $779 value) FOR FREE if you book a consultation with StudentLoanAdvice.com by March 19. Since early 2021, StudentLoanAdvice.com has helped hundreds of physicians save millions of dollars (the average client saves $191,000 in student loans). Knowing the best way to manage student loans is a tricky business, and StudentLoanAdvice.com is here to help.
How Physicians Are Affected When a Government Shutdown Is Looming
By Dr. Charles Patterson, WCI Columnist Casual readers of the news will note a now common headline: “Government Shutdown Looming.” As of this writing, approximately 88 days have passed since the December 2023 stop-gap measure was passed to fund the federal government through mid-January (and a portion of February) of 2024, and it's been 26 days since ANOTHER continuing resolution was passed to fund the government through the beginning of March.
The Semantics of Finance and How to Tune Out All the Noise
[Editor's Note: At The White Coat Investor, we value the feedback of our readers. It helps us understand you, and it helps us do our jobs even better. That’s why we’d love for you to take just a few minutes to take our annual survey and provide us with your thoughts about WCI, what you like, and what you think we can improve. If you complete the survey by January 31, you could win a free course of your choice or other fun WCI merch.
A Moderate-Income Physician’s Approach to Alternative Investments
By Dr. Charles Patterson, WCI Columnist Readers of The White Coat Investor know that the theme and general audience tend to favor a long-term, low-cost, tax-efficient approach to portfolio construction. This is typically built on some mix of index funds, bonds, and real estate. Beyond this boring world of slow growth and behavioral management lies a cornucopia of alternative investments screaming to be fed by your excess income.
Evaluating Long-Term Care Insurance for the Government Retiree
[Editor's Note: Deadline alert! Thursday, October 12 is the last day you can register early for the best medical conference of the year and save hundreds of dollars while doing it. WCI started the Physician Wellness and Financial Literacy Conference (WCICON24) so you can learn from and build relationships with other physicians and financial experts to accelerate your path to financial independence.
President Patterson welcomes students back to campus
Dear Raiders, Each fall semester marks the return of the incredible energy and enthusiasm that our Raider students infuse into every corner of Shippensburg University. The campus simply comes to life with the buzz of excitement, as fall marks the beginning of a fresh start filled with boundless possibilities, opportunities for individual growth, and the promise of creating memories that will last a lifetime.
2022 KUBOTA CORPORATION KX080-4 Miscellaneous
Thank you for reporting this listing, we will review it. Report listing Ask Owner Shipping It's easy to get a shipping quote! Just click the button below and complete the short form. 2022 KUBOTA CORPORATION KX080-4 Miscellaneous Shipping Quote Complete the form below and we'll contact you soon about your shipping estimate. All fields required. Our shipping partner, LST Group LLC, will work with you to get your equipment shipped to you the fastest, safest, and most economical way possible.
The Moderate-Income Physician
By Dr. Charles Patterson, WCI Columnist The White Coat Investor’s mission is to help physicians and other high-income professionals get a fair shake on Wall Street. The primary audience is high-income professionals, a group that might be loosely defined as the top 25% of US earners, encapsulating many disparate professional groups and individuals.
The Ethics of Investing
By Dr. Charles Patterson, WCI Columnist Much ado is made about the ethics of investing. At this point in my career—having taught and discussed personal finance with scores of trainees, physicians, and non-physicians over the years—I am still surprised at the reticence I find among young investors. There is a certain sense that wealth is a bad thing, a bad thing for greedy people, that those with financial security are to be excluded from the righteous and socially upright.
Pre-Deployment Checklist for Personal Finances | White Coat Investor
We’re accustomed to the utilization of equations in monetary planning, and whereas most of these are typically numerical, there are a rising variety of formulation that apply to the utilization of our non-financial sources. These sources—resembling our time, affect, power, and relationships—could be as essential as our cash and may typically be scarcer.
Pre-Deployment Checklist for Personal Finances
By Dr. Charles Patterson, WCI Columnist Deployment is a fact of life for those serving in the armed forces. No matter the specialty—be it a physician, a pilot, or a munitions specialist—servicemembers are tasked with executing America’s wars. In fact, everything that we do (at least in the eyes of the Department of Defense) while in peacetime or stateside is mere practice for the next conflict.
The Costs of Moving (and How to Combat It) Original
By Dr. Charles Patterson, WCI Columnist Moving is a part of life for physicians. While there are doctors who spend their entire educational and medical career in one state, they tend to be the exception and not the rule. The AAMC has tracked and published data on the diaspora of residents following graduation, a fascinating report that highlights the migratory patterns of young physicians.
Purchasing a Home While on Active Duty
By Dr. Charles Patterson, WCI Columnist As a general rule, buying a home while serving on active duty is not a great idea. In previous writings, I’ve argued (vehemently even) that service members are better off renting. I have also, however, laid out the argument favoring a home purchase. In this column, I will expand on these ideas by adding my personal experience as both a renter and homeowner—all while on active duty. The Early Career Years The early years were, in retrospect, some of the best.
Choosing Medical Specialties in Military
[Editor's Note: Looking to generate passive income from a diversified fund of multifamily real estate investments? Look no further than The White Coat Investor’s newest partner, Trion Properties. With a strategy that includes identifying the right markets, acquiring attractive properties, and then unlocking even more value with extensive and customized renovations, Trion’s fund maximizes your ROI while mitigating your risk.
Insuring the Military Physician
[Editor's Note: Fascinated by the idea of investing in something just a little different than the norm? Are you intrigued by the idea of putting money toward self-storage and RV parks in an effort to create lasting wealth? Then, check out one of WCI’s newest partners, Wellings Capital, and see how impactful commercial real estate can be in recession-proofing your portfolio.
Welcome back from President Patterson
Welcome back Raiders! I hope everyone had an enjoyable summer and is feeling recharged as we begin the fall 2022 semester. Fall Welcome Week has been a blast and you can feel the excitement of being back on campus in the air.
Thrift Savings Plan Online Update [With Screenshots] White Coat Investor
By Dr. Charles Patterson, WCI Columnist For the last several years, the good folks over at the Thrift Savings Plan (TSP) have been hard at work giving their program a facelift. Among other things, this overhaul means quicker access and ease of use. With the facelift has come a tummy-tuck: a fancy-dancy new TSP mobile app to accompany it. Today, I will be reviewing these changes and showing you how to use them.
Are Collectables Worth Investing In?
By Dr. Charles Patterson, WCI Columnist In the quest for diversification, one stop along the path is at the altar of collectibles. It's here that one finds precious metals, such as gold, silver, and platinum; jewelry and coins; and a whole host of more niche products such as stamps, cars, toys, watches, guns, and books. The hunt for rare finds and curiosities can be a source of great enjoyment with collections accruing as much sentimental value as they do monetary worth.
Buying a House in the Military [Active Duty]
[Editor's Note: Are you interested in minimizing your taxes, reducing your risk, and still adding diversity to your portfolio? Then, check out the Peak Housing REIT, one of WCI’s favorite ways to invest in real estate. For a minimum investment of $25,000 for WCI readers, this is an affordable way to get real growth in passive real estate.
Investment Portfolio Allocation in the Military
By Dr. Charles Patterson, WCI Columnist Members of the armed forces are privy to unique retirement benefits that provide additional layers of long-term security. Between an inflation-adjusted defined benefit plan, lifelong affordable healthcare, and access to conservative fixed-income funds, stable sources of income are reliable as long as the US government doesn’t implode.
5 Questions to Consider Before Changing Your Investment Portfolio
By Dr. Charles Patterson, WCI Columnist Market conditions change frequently and unpredictably, producing winners and losers. For the young investor, a lack of experience in different market environments and a burgeoning understanding of personal finance can sow doubt in the best-laid investment plans. Comparisons to others’ performances, talking heads that disparage this asset class and that strategy, and the allure of speculative success all fuel this uncertainty.
Military Match Day for Medical Residency
By Dr. Charles Patterson, WCI Columnist Every year, thousands of rising fourth-year medical students across the world brace themselves in hopes of landing their preferred residency.
Military Housing: Affordable Housing Solutions
By Dr. Charles Patterson, WCI Columnist Homeownership is a staple of wealth-building in America. The ability to purchase a suitable home and pay it off at a favorable interest rate over the minimum necessary time is critical to securing financial independence. Further, the diversification benefits and tax advantages buffer a portfolio against inflation, equities market downturns, and social instability. Absolutely, it's not all roses.
Should I Quit Medicine? Financial Implications & Alternatives
[Editor's note: Invest in yourself today to create a renewed passion for tomorrow! Join us for the 2022 Physician Wellness and Financial Literacy Conference from Feb. 9-12.] By Dr. Charles Patterson, WCI Columnist On a frigid day in late fall, my wife came home after her shift at our local hospital and announced plainly that she intended to resign.
Medical School and the HPSP
By Dr. Charles Patterson, PCP and Military Medicine Physician, WCI Columnist Medical school is expensive. If this comes as a newsflash, then you are either new to your journey in medicine or are financially illiterate. In either case, you need to develop a plan for how you are going to pay for it. Scholarships abound, but in this article, I am going to focus on one in particular: The Health Professions Scholarship Program, or HPSP. What Is the Health Professions Scholarship Program (HPSP)?
Patterson welcomes students back to campus
Dear members of the Shippensburg University family, Welcome to Fall 2021! It is great to have everyone return to campus for the start of the 2021-2022 academic year. A special shout out to our new students. Whether this is your first year in college or you come to us from another institution as an undergraduate or graduate student, you have made a great choice in coming to Ship.
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St Stanislaus College Bathurst takes on the media
St Stanislaus College Bathurst students Charles Patterson, Mitch Wilson, Jackson Hughes, Paddy Kelly and Josh Borland are heading to the Easter Show to cover their ag team. Photo by Archie Staines. St Stanislaus College Bathurst is well known for its rugby prowess but they are also getting a reputation for their media program. Students will be in Sydney tomorrow.
Two victims identified in truck-train accident
Emergency crews were called to 1025 16th Place SW in Birmingham just after 10 p.m. Tuesday on reports of a train collision with a truck. Two men who were killed Tuesday evening in a truck-train crash have been identified by authorities. The victims were identified as Charles Billups, 27, and Charles Patterson, 25, both of Birmingham. A thrid person involved in the crash is still at UAB hospital. Authorities said the three were inside a truck that collided with a train on 15th Place Southwest.
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