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" He left you in charge to watch porn?" she said.I was shocked. How could she know?"That is a completely unfounded…" I saw the reflection in your glasses. What was it, guy on girl? Or something nasty?" Um…" Look, all I want is some coffee. I won't rat on you, if you don't rat on me." OK. Go back to your room. I'll have a nurse get you some." I also need a bit of your medical advice. Could you bring it? I wouldn't mind the company…"She left and I picked up a couple of cups of coffee and went to her room after clearing out the History on my web browser. God, I didn't want to get caught.I walked into her room and took the usual chair for visitors. She was a high end customer, a big fat room to herself and yet was alone at night.I went through her file. Patient, Sarah, female, 22 and working in some finance company. She had just fallen off the bike and had been advised to stay in the hospital for the night for observation. Routine procedure.I sat down and we began to talk about life in. I’ll need to buy a few more, but that can be handled with payroll deduction. I’ll get my hospital badge, fill out the insurance forms, tax forms, and get a lecture on policy.”“We’ll have to figure out our withholding, but at least for now, just check ‘married’ and take ‘zero’ deductions. When our combined income goes up, we’ll need to figure out a tax strategy of some kind. If the hospital offers you an IRA or 401K, sign up for it and put the maximum amount in it.”“Rather than pay off the student loans?”“The maximum is usually around 15%, and it’s tax deferred, so for every $100 you put in, it’ll only cost you around $80. That’s a better return than paying down your student loan. We’ll only pay the tax on it in the future when we take it out, and at that point, we’re retired and won’t have multiple six-figure incomes.”“There’s a problem that I’ll never have,” Kara said.“True. We’ll have to figure out how to handle the exemptions for our kids, but we’ll probably need a CPA for that,.
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