Issue link: https://viewer.e-digitaledition.com/i/873773
WHEN YOU DO AS MANY HAND SURGERIES AS WE DO, YOU OFFER THE NEWEST, MOST ADVANCED WAYS TO TREAT THEM. With the largest orthopedic and sports medicine physician practice in Suffolk County, St. Charles has been recognized as one of the best in the region for orthopedics by U.S. News & World Report. Not just once but several times. No surprise. After all, we deliver the region's most progressive treatments, including minimally invasive hand surgery as well as arthroscopic surgery for elbow and wrist disorders. You can count on the fingers of one hand the number of hospitals that do more minimally invasive hand and elbow surgeries than we do. Our goal? To get you back to your normal life as quickly as possible. And many of the patients who've experienced our expert hand care, give it a resounding thumbs up. IF YOU HAVE CARPAL TUNNEL SYNDROME, OSTEOARTHRITIS OR TENDINITIS WE'RE HERE FOR YOU. To learn more call (631) 689-6698 or visit stcharlesorthopedics.com BY STEVE BARRETT BUY A HOME IN THE RIGHT LOCATION, GOES THE TIME-HONORED ADVICE. BUT ACCORDING TO PHYSICIAN FAMILY FINANCIAL ADVISORS, IT IS ALSO VITAL FOR PHYSICIANS PURCHA SING A FIRST HOME TO GE T THE TIMING RIGHT. LOCATION, LOCATION ... TIMING THE CALCULUS CAN be complicated because of the unusua l f ina ncia l circumsta nces of newly minted physicia ns: They ty pica lly have little income histor y a nd a lot of debt, but high ea rning potentia l. Buy ing a home a s soon a s possible is tempting, Oregon- based Physicia n Fa mily Fina ncia l Advisors acknowledges. However, if a prov ider is not cer ta in he or she w i l l be in a g iven ma rket long-term, that is risky. The investment could sou r i f t he physicia n decides to move a nd d iscovers t he a rea's rea l estate ma rket ha s gone south a nd the mor tgage is under water. A good rule of thumb for physicia ns is to purchase a f irst home when they a re conf ident they will rema in in the a rea a minimum of seven yea rs. Ty pica lly, that mea ns they will have completed residency a nd a fellowship. A nother da nger is buying nea r a good school as soon as the physicia n a nd his or her spouse lea rn they will be having a baby. The t heor y is t hat t his w i l l prov ide a n educationa l adva ntage for the child. A w iser option: Buy when the chi ld nea rs kinderga r ten age. This offers some protection aga inst the possibilit y that a good school will not rema in good. n CORE 1 4❱❱❱❱❱ F I N A N C E