XRAYVSN

The Hospital

With so many different physician financial blogs out there, it is tough to keep track of all the great content being published on a daily basis.

Part of my daily routine was to visit as many physician blogs as I could and see if there was any new content to read.

This soon became quite time consuming as the number of physician bloggers continued to expand.

I thought to myself, “Wouldn’t it be so much easier if I could go to one site, see a list of all the latest posts by all the physician bloggers, and pick and choose which ones caught my eye?”

That is why I created The Hospital, a place where all the physicians can be found under one roof along with their contributions to the medical/financial library.

These posts will be listed in chronological order (newest at the top) and updated every other hour.

Bookmark this page and make visiting it a part of your daily routine to ensure that you will never let your prescriptions to these blogs expire (you can think of this page as the Anti-Apple (you know, the one that keeps the doctors away).

[If I have inadvertently left out a physician blog that would like to be added to the Hospital, please send me your credentials via the contact form and I will grant you hospital privileges]

My latest post:

• 5 Essential Property Investment Tips from Successful Investors
  

      Real estate investing is something that I have started tilting my portfolio towards as I find it a great way to generate positive cash flow and take advantage of tax breaks. Most physicians have very limited experience with real estate (apart from buying and selling my homes my ... read more
  *XRAYVSN*Published on Thu-May-23-2019

The Doctor’s Lounge:

• MKSAP: 60-year-old woman with persistent constipation
  

  Test your medicine knowledge with the MKSAP challenge, in partnership with the American College of Physicians. A 60-year-old woman is evaluated for persistent constipation symptoms of 2 years’ duration. She has reflex sympathetic dystrophy syndrome involving the right arm and neck that began 3 years earlier and requires chronic opioid analgesic therapy. ... read more
  KevinMDPublished on Sat-May-25-2019
• Dollar-Cost Averaging (DCA) Is For Wimps
  

  Financial pundits often tout dollar-cost averaging (DCA) as a method to manage risk in the markets. However, they don’t mention that the risk this technique is managing is the investor’s own bad behavior. DCA does lower your risk, but just like other methods of lowering risk, it also lowers your ... read more
  Passive Income MDPublished on Sat-May-25-2019
• Book Report: The Doctors Guide to Starting Your Practice Right
  

  I met Dr. Cory Fawcett at FinCon2018 in Orlando.  Truly, he is as genuine as his books are good.  In today’s Saturday Selection from the WCI network, Physician on FIRE shares his review of Dr. Fawcett’s book – The Doctor’s Guide to Getting Your Practice Started Right.  I’ve read ... read more
  ThePhysicianPhilosopherPublished on Sat-May-25-2019
• Physician, Know Thyself: A Self-Identity Crisis
  

  Dr. James Turner has an important question to ask you today. Who are you? It’s a simple and seemingly harmless question, but it’s important to know the answer. And that answer needs be ... read more
  Physician On FirePublished on Sat-May-25-2019
• The Guide to Real Estate Syndications, Part I
  

  [Editor’s Note: I have been asked to write more posts about real estate syndications and how to evaluate them. While I do write about them from time to time, I know somebody who writes about them even more whose work we publish on this site once or twice a ... read more
  White Coat InvestorPublished on Sat-May-25-2019
• Across the Great Divide…Part 1
  

  The Urban-Rural Divide, A Culture Gulf. “You see, this is why they are wrong…” began our guide Ibrahim. My wife had just asked him to explain the difference between Shi’ites and Sunnis. He was Sunni, as are the vast majority of Moroccans. We prepared ourselves for a very unbiased and ... read more
  High Plains MDPublished on Fri-May-24-2019
• 15 Things to Consider Before You Refinance Student Loan Debt
  

  Hardly a day goes by in the financial world when someone doesn’t mention something related to student loan debt. And if you’re one of the 43 million Americans who are currently under the burden of student loans, then you understand why it’s an important topic. As physicians, you’re in a ... read more
  Financial ResidencyPublished on Fri-May-24-2019
• Pay Now or Pay Later #illumedati
  

  Hey everyone, it’s Finance Fridays again. Today I’m going to talk about a concept that people seem to understand intuitively as common sense, but I will try to flesh out… it’s the “Pay Now or Pay Later” concept. read more
  Senior ResidentPublished on Fri-May-24-2019
• 2019 Condo Special Assessment
  

  I purchased my Portland condo end of 2015 for $140,000 in cash. I like to believe that I own my condo but the ongoing expenses add up to near rent prices. The HOA dues, utilities, repairs, maintenance, insurance, and property taxes. Owning your property has the added benefit of ... read more
  Urgent Care MedicinePublished on Fri-May-24-2019
• Sharon McLaughlin, MD- Entrepreneurship in Medicine
  

  In today’s episode, we chat with Sharon McLaughlin, MD about her journey from being a full time physician to becoming an entrepreneur. She shares so many great pieces of advice and words of wisdom.  You will also learn why she feels female physicians have so many amazing skills that ... read more
  Hippocratic HustlePublished on Fri-May-24-2019
• Sacred
  

  My son is wispy. Or at least, that’s the best way I can think to describe him. It’s as if some one had grabbed a hold of his pudgy infancy cheeks and never let go. He is all arms and legs now with a miniature torso. I was much different ... read more
  DiversefiPublished on Fri-May-24-2019
• Parsing Income Part 2
  

  Since I have this spiffy spreadsheet I decided to create a retirement where the TIRA was left intact, allowed to grow and RMD, same SS structure, same COLA adjustments. Instead of low growth 3% I went with moderate growth 6% Moderate growth means higher volatility to cash flow. A ... read more
  MD on FI/RE (Gasem)Published on Fri-May-24-2019
• How To Start Investing
  

  Learning how to start investing is intimidating. At least, it was for us. In fact, a very large number of American’s say that the fear of losing money keeps them from investing. Learning how to invest doesn’t have to be complicated, but it’s usually portrayed as something only professionals should ... read more
  TheFinanceTwinsPublished on Thu-May-23-2019
• Neverending oil and water optics of corporate for-profits and healthcare
  

  Mednax, Inc.’s CEO Roger Medel on their Q1 2019 Earnings Call: Looking across our service lines. Volumes increased modestly in most of our women and children specialties. In neonatology, the underlying trend of births at the hospitals where we provide services remained negative, but our volumes increased based on rate ... read more
  Ben WhitePublished on Thu-May-23-2019
• 10 Amazing Budgeting Tips And Trick To Try Right Now
  

  According to Investopedia, “personal budgets are extremely useful in managing an individual’s or family’s finances over both the short and long term horizon.” Most folks know that budgeting is the first important step towards financial success. When you decide to budget, you’re giving your finances the best head start. So, ... read more
  Dr Breathe Easy FinancePublished on Thu-May-23-2019
• Paying Tribute to the Memory of My Mentor Dr. Jack H. Bloch
  

  We will be celebrating Memorial Day this weekend. This is one day of the year that we remember those who have died for our country while serving in the armed forces. I served in the Naval reserves for seven years, which included the years in which the Navy paid for ... read more
  Cory FawcettPublished on Thu-May-23-2019
• 5 Essential Property Investment Tips from Successful Investors
  

      Real estate investing is something that I have started tilting my portfolio towards as I find it a great way to generate positive cash flow and take advantage of tax breaks. Most physicians have very limited experience with real estate (apart from buying and selling my homes my ... read more
  *XRAYVSN*Published on Thu-May-23-2019
• Easy Investing Without The Faff
  

          Have you ever thought about investing, but then looked at the financial times and felt absolutely overwhelmed? Yep, me too….and when I learned about index trackers, I realised that I had discovered a way to invest WITHOUT all the faff around researching companies and trying to ... read more
  Female Money DoctorPublished on Thu-May-23-2019
• Yes, We Need Good Doctors. But Who Said It Has To Be Me?
  

  "I think I'm done with medicine." Finally uttering the words that had been on my mind since my last stretch of work left me with such a sense of relief. Followed by immediate regret. But I couldn't prevent the word vomit from spewing out. The post Yes, We Need Good ... read more
  Reflections of A Millennial DoctorPublished on Wed-May-22-2019
• Exploring Kuala Lumpur
  

  Some ideas of what you can see, do and eat during your stay in KL! The post Exploring Kuala Lumpur appeared first on BeThree. ... read more
  YouBeThreePublished on Wed-May-22-2019
• 7 Money Mistakes People Earning Six Figures Make
  

  [Editor’s note: This article was originally published on The Money Mix.] Earning six figures can make building wealth easier, but it’s not a magic solution for your financial woes. Earning a high income is only one part of the equation. If you want to be financially secure, you need to ... read more
  Debt Free Dr.Published on Wed-May-22-2019
• Monthly Article Round-Up: May 2019
  

  Summary: This is our monthly round-up of blogs, podcasts, and books from physicians and financial experts around the web. From an impactful physician-centered podcast (that may or may not have recently featured yours truly) to a book on how to be a millionaire (love it!), here are our top picks ... read more
  Semi-retired MDPublished on Wed-May-22-2019
• How To Know If Your Number Is Big Enough
  

  Do you know how much money will set you free? That is Your Number.  Make sure it is big enough. Lee Eisenberg provided insight on this in his book, “The… Read MoreHow To Know If Your Number Is Big Enough The post How To Know If Your Number Is Big ... read more
  WealthyDocPublished on Wed-May-22-2019
• Financial Checklist: Reviewing My Disability Policy
  

  I've been remiss in doing some basic housekeeping - I compiled a comprehensive financial checklist plucked a variety of sources, and ran through the checklist mentally, but it's high time I take a deep dive and examine each of the items on that checklist. First ... read more
  Crispy DocPublished on Wed-May-22-2019
• Paris with Girlfriends: A 3 Day Getaway
  

  Paris With Girlfriends When you think of getting away with friends, you don’t always picture yourself traveling overseas, especially if you choose to take just a few days off. Well, I convinced my girlfriends to do things just a wee bit differently this time. We […] The post Paris with ... read more
  Dr.Corriel.comPublished on Tue-May-21-2019
• Was Buying A Car A Frugal Fail?
  

  “Are you excited?” he asked “Not, really.” I replied. “I just wrote a check today for $65,000. We are buying a house and I wasn’t planning on buying a car.” I bought a car. I did not want to buy a car. I was perfectly happy with ... read more
  PediatricianFindsFIPublished on Tue-May-21-2019
• Inheritance and Intergenerational wealth transfer
  

  Intergenerational wealth transfer is the passage of wealth from one family generation to the next. This is a touchy subject in my family. As I plan our financial future, we often debate about this. How should we go about generating enough wealth to have enough to pass on? Is it ... read more
  The Darwinian DoctorPublished on Mon-May-20-2019
• Mistakes to avoid when negotiating a physician contract
  

  Getting new job offers, paid side gigs, and opportunities to do consulting work are all quite exciting. However, before you agree to any informal verbal or written agreements, it is but important to do a thorough review of the document. Here, we have 5 common contract mistakes you can easily ... read more
  Looking For ZebrasPublished on Mon-May-20-2019
• We’re Free of Student Loans!!
  

  I got a student loan refinancing offer in the mail yesterday and it made me smile.  I smiled because it finally dawned on me, I don’t have any student loans anymore!!  I just can’t believe ... read more

  Frugal PhysicianPublished on Sun-May-19-2019
• Runaway cost of drugs
  

  By Howie Chen- the runaway cost of drugs- are the new medicines worth the money?read more Runaway cost of drugs ... read more
  Solo Building BlogsPublished on Sun-May-19-2019
• RESPs For Corporate Kids – Part 2
  

  In the preceding post, we compared using an RESP vs a corporation to help fund post-secondary training for our kids. In contrast to those with a large lump sum in a personal account, for corporate kids, moving just enough out of the CCPC and into the RESP to get the ... read more
  LoonieDocPublished on Fri-May-17-2019
• New Zealand Part Three: glow worms and fjords
  

  We woke up early. A fast breakfast of muesli and fruit; high octane coffee for those of age. I had filled up the minivan with fuel the night before. There would be no gas stations between us and our destination, two and a half hours away. Our first paid ... read more
  Big Family Small WorldPublished on Fri-May-17-2019
• How I Became a Podiatrist
  

  How I Became a Podiatrist – And Continue to Re-Invent Myself By: Christopher R Hood JR, DPM     Making decisions about one’s career, especially in medicine, can be daunting and overwhelming. There are so many [...] The post How I Became a Podiatrist appeared first on #Lifeofamedstudent. ... read more
  Life of A Med StudentPublished on Fri-May-17-2019
• Diversity in Personal Finance Opinions
  

  For many personal finance nerds, and I dare say, even for some regular, everyday people, the world of personal finance is so exciting, especially soon after you experience your light bulb moment. What happens ... read more
  Immigrant FinancesPublished on Tue-May-14-2019
• Modern Medicine Is Both Amazing And Saddening
  

  A 29 year-old woman was carried into the emergency room by her dirty, bearded husband. She was semi-conscious and slurring her speech. The couple first encountered some opposition to treatment, as this was 1979 and still the age when bearded men were automatically assumed to be hippie drug addicts. But ... read more
  Practice BalancePublished on Mon-May-13-2019
• How Does the Law Define “Medical Malpractice”?
  

  Most physicians who come up against a medical malpractice lawsuit (and that's most American physicians) find themselves feeling like a fish out of water. Few really understand how the law defines medical malpractice or how the process of malpractice litigation works. In the hopes of beginning to clarify things, I ... read more
  ThrivePublished on Sat-May-11-2019
• Best Part of Being a ____ is ____: A SoMeDocs Challenge
  

  A SoMeDocs Challenge (Best Part of Being a Doctor)   We tweeted out to our followers on Twitter, calling their attention to a little fill-in-the-blanks challenge.   We asked:   Best Part of Being a ___ is ____: A Fill-in-the-Blanks Challenge     The challenge looked like this: (and look ... read more
  SoMe DocsPublished on Sat-May-11-2019
• The Saturday Interweb Roundup — Things You Need to Read — May 11, 2019
  

  A collection of articles and/or blog posts from around The InterWeb that are entertaining, interesting, or informative. This week we learn about Russians weaponizing whales, smartphone diets, cross-country moves, lockdown drills, doing nothing, banning private schools, and more. I’m writing this while on a fishing trip, with a work auto-reply ... read more
  Rogue Dad MDPublished on Sat-May-11-2019
• The Benefits of Investing in a Solo Parent-Child Trip
  

  You thought the ending to the title was going to be “…Solo 401k” didn’t you? That’s where DH (Dear Husband) thought this was going when I told him about this blog post. I pointed out that a Solo Parent-Child trip is actually more valuable than a 401k. For the myriad ... read more
  BC KrygowskiPublished on Fri-May-10-2019
• My ideal medical practice – I opened up shop!
  

  House call doctor tools of the trade. I have since gotten another rolling bag. Over the last few years I have slowly been inching toward establishing my own practice. And this January, I did it, I incorporated my practice, Healthy Home Pediatrics! It is a house call based concierge, or ... read more
  Mothers In MedicinePublished on Fri-May-10-2019
• Episode 49. Dr. Disha — The Frugal Physician
  

  On this episode, my guest is Dr. Disha of The Frugal Physician blog. We talked about her journey from being in debt to quickly paying off loans as a primary care physician despite a few financial setbacks. Obviously it is easier to payback loans in a dual high income couple ... read more
  Doctor Money MattersPublished on Thu-May-9-2019
• Why a Credit Freeze for Kids is a Smart Money Move
  

  You want to keep your child safe. It’s every parent’s first instinct. From bumps and bruises to Stranger Danger and developmental milestones, we think about all of the different ways that we can protect our children. Yet, many of us overlook an easy way to keep our children financially ... read more
  Miss Bonnie MDPublished on Wed-May-8-2019
• These Are Days
  

  I’m not prone to displays of emotion—public or private—which is why I was surprised to find myself welling up with tears at Target the other day. It wasn’t the diversity of 99 cent knickknacks or the intoxicating smell of buttered popcorn that got me going. No, it was that ... read more
  My Curiosity LabPublished on Mon-May-6-2019
• Checkup – April 2019
  

  I’VE PASSED MY ANESTHESIA BOARDS. There is now nothing standing in between me and life as a successful physician. It is actually surreal to not have something looming in the distance, some wall or storm on the horizon. There has always been one more interview, one more test, one more ... read more
  DrPayItBackPublished on Mon-May-6-2019
• Why A Physician Should Work Full-Time
  

  As an evangelist of part-time work for physicians, I occasionally get an e-mail from a physician reader asking if cutting back on work is the right move for them. Often times they are early in their training, and I’m not sure how to respond. I feel conflicted. I know what ... read more
  The Happy PhilosopherPublished on Tue-Apr-30-2019
• Bouncing Back and Bouncing Forward
  

  I applied three times for employed physician jobs at the institution where I did my residency. Twice I went through the interview process and was subsequently told I didn't get the position. The third time I submitted my name I wasn't offered an interview. The fact that I cringe writing ... read more
  A Doctor’s WorthPublished on Sat-Apr-20-2019
• Family Travel Tips Part 2
  

  It has been over a year since I shared some of my travel tips. Watching this CBC Marketplace episode about “Filthy Flights: What are the dirtiest airplane surfaces?” reaffirms my … ... read more
  Dr Net WorthPublished on Sat-Apr-20-2019
• What is a Cost Segregation Study and Why Should I Care?
  

  Regardless of whether you have heard about using a cost segregation study to accelerate depreciation deductions on an investment property, you undoubtedly are aware of the benefits of depreciation as it relates to creating tax-efficient cash flow from rental property. The depreciation ... read more

  Physician REIPublished on Sun-Apr-7-2019
• 6 Months Into My New Medical Practice: An Update
  

  I have finally hit the six month anniversary since my medical practice opened doors. To say there has been a learning curve would be an understatement. Most of the learning curves center around how to navigate insurance companies. Choosing to open a medical practice is not for those who want ... read more
  Investing DocPublished on Sun-Apr-7-2019
• Refocusing After Cancer, 3 Months into My Son’s Diagnosis
  

  My son has cancer. I’ve been refocusing after the cancer diagnosis. Priorities shift. But, you know it’s been a bit too long since you accessed your blog when you forgot your password. What can I say, there’s been a lot going on. I’m not going to have a lot of ... read more
  ThatFrugalPharamacistPublished on Thu-Mar-28-2019
• Solo 401K
  

  Ah, the customized solo 401K. It is rarely used because it requires more understanding and paperwork than an IRA, but the benefits can be amazing. Back in 2017, I invested my self employment income in a SEP IRA. I had missed the deadline to open a 401K and I didn’t ... read more
  Minimal MDPublished on Tue-Mar-26-2019
• Dr. Roboto: Will Artificial Intelligence in Medicine Replace Doctors?
  

  Have you noticed all the talk about automation and artificial intelligence over the last few years? When I was a kid, the only discussion I ever heard about it was the 1983 song Mr. Roboto by Styx. Most people my age will remember that heavily synthesized track featuring the catchphrase ... read more
  NestEggRxPublished on Thu-Mar-21-2019
• What Happens When You Have a Miscarriage?
  

  You can’t believe it. You are finally pregnant with a much- desired pregnancy.  You carefully planned out how you would tell your husband the exciting news and it made your heart explode seeing his reaction.  You are floating on cloud nine and love having this little “secret” that only you ... read more
  OB Doctor MomPublished on Sun-Mar-3-2019
• Evaluating Funds Part V: The Philosophy of Funds
  

  Never forget these two axioms: Money frees us, but its pursuit may enslave us. It’s not how much you have at the end; it’s how much you could have made. Before we get into talking about non-index funds, let’s talk about what you’re going into before you do Consider ... read more
  Physician Wealth ThyselfPublished on Wed-Feb-27-2019
• Should We Reject the Moving Allowance: Contract Negotiations
  

  As we close in on a pair of jobs, the nitty-gritty details of this complicated life-event are coming out. Today, I am focused on a line-item in our contract negotiations: the moving allowance. This benefit has been a fixture of the recruitment package for young doctors for quite some ... read more
  Indie DocsPublished on Mon-Feb-25-2019
• Episode 28: Backdoor Roth in Turbotax
  

  How to properly file your backdoor Roth properly with TurboTax! (Video tutorial) *This video is for entertainment purposes and not to be considered legal or financial advice. Please consult with your finance and tax professionals prior to making any financial decisions. ... read more
  39.6Published on Sun-Feb-10-2019
• The ‘Woman’ Physician
  

  I’m often asked to write and speakabout being a woman physician. I don’t know that any of my male physician colleagues have ever been asked to talk about being a male physician. Many hospital systems have women in medicine groups, and there’s now a National Women Physicians Day. Again, don’t ... read more
  Nisha Mehta MDPublished on Sun-Feb-3-2019
• TheBossMD Interviews 10: Planning a Physician Vacation with Prescription Travel
  

  Welcome to episode 10 of TheBossMD Interviews! In this series, I bring you quality interviews with high impact people that can help you manage your position. In today’s interview, we talk to Gayle Smith from Prescription Travel. Gayle runs a physician focused travel agency and helps physicians and their families ... read more
  TheBossMDPublished on Wed-Jan-23-2019
• Using Prediction Calculators for Retirement
  

  Saving for Retirement as a doctor: Future Value Calculator Helps set your target After reading Smart Money’s article, 41% of all doctors have less than $500,000 in savings I had to do some self-reflection.   After practicing medicine for over 14 years am I on the right track with my savings? Here ... read more
  Doc of All TradezPublished on Thu-Jan-10-2019
• How is the US Economy Expected to Fare in 2019?
  

  As we know, the success of our investments in 2019 will depend largely on how the US economy performs. Buy low, sell high as the old saying goes: so will investors find themselves in a bear or bull market this coming year? Source: Pixabay The condition of the economy will ... read more
  Another Second OpinionPublished on Thu-Jan-10-2019
• VagabondMD Has Two Jobs…..FIRE?????
  

  I was gonna quit…instead, I found my dream job Three years ago, it looked like my medical career was grinding to an unhappy end. There was deep burnout and no obvious way out. Fast forward a couple of years, and I just inked a deal for a dream job in ... read more
  Doctor of FinancePublished on Thu-Jan-10-2019
• Thrifty Moving in 2018
  

  Resident Physicians may spend $80 Million moving this year. Are you serious? Yes. Read on.   Moving has got to be one of the most loathful things to ever do in anyone’s life. Honestly – who out there, if asked to raise their hand, would support the notion that they ... read more
  Thrifty SurgeonPublished on Sun-Dec-30-2018
• Merry Christmas! Keep Calm…
  

  Hey everyone. Sorry for the long hiatus. I've been wanting to update the blog for some time now but let's just say IR fellowship is turning out exactly as advertised. For those unfamiliar with interventional radiology training, it is more intense than anything ... read more
  Future Proof MDPublished on Tue-Dec-25-2018
• Tax Rules That Help You Invest? – Pay Off Debt Or Invest Early Series
  

  (This is a post series on a complicated topic. I will be the first to say debt is an incredibly emotional concept and there is no “right answer” for anyone. Similar to my discussions around asset allocation to bonds/equities, each individual has to take stock of their own behavior when ... read more
  Financially Free MDPublished on Sat-Dec-1-2018
• Why Buying a House is the Best Worst Financial Decision You’ll Ever Make!
  

  Hi everyone, my wife and I spent part of our last two weekends house shopping and I hated it (but if I’m being honest, I kind of didn’t).  As I’ve referenced before, I’m a father of two young children and we currently live in the city.  And while we’re lucky ... read more
  DadsMakingCentsPublished on Tue-Nov-13-2018
• The Tax Loss Harvesting Charitable Giving Tango
  

  When the Market Gives You Lemons, Harvest That Delicious Fruit! When the market is having a bad month and pundits like Jim Cramer are trying to figure out how to “game” the pullback, FIRE bloggers start implementing their own version of gaming the system: tax loss harvesting.  Bloggers like the ... read more
  Nomads With A VisionPublished on Sat-Oct-27-2018
• A Year of Blogging
  

  Doctors On Debt is a year old! It’s hard to believe, but it’s true. We’ve been admittedly inconsistent in our blog activity. We go in spurts of inspiration and apathy. One thing is for sure: We’ve learned a lot about what it takes to run a blog. Do you ... read more
  Doctors On DebtPublished on Mon-Jul-23-2018
• What Doctors Need to Know About Getting Paid: RVUs and More.
  

  Are you looking for a new job or staying put in an old one? Regardless, it is important to know how you are being paid and formula behind a doctor’s salary.  I must admit I had next to no knowledge when it... The post What Doctors Need to Know About ... read more
  Foreign Born MDPublished on Wed-Mar-7-2018
• The Land of Critical Mass
  

  If you’re doing investing right, you’re saving a large percentage of your income every month (like 25-50%) and stuffing it into stocks, bonds, and real estate investments. At first, even with a high savings rate, your net worth will be low and the money made by your investments will also be ... read more
  Live Free MDPublished on Sun-Mar-4-2018
• I’m not doing Christmas Cards this year.
  

  I’m not doing Christmas Cards this year. And that’s ok. What, you say? Christmas has passed? It’s 2018 already? Oh. Well, we were pretty busy there over the holidays now weren’t we? I love love holiday cards. Love them. Love making ours, love receiving everyone else’s. Love putting them up ... read more
  Son of A DoctorPublished on Tue-Jan-23-2018