Farewell Marcia Smith!

Name: Marcia Smith, PT, Ph.D.

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As we sadly said farewell at the end of the summer to another beloved faculty member, Marcia Smith, who has been with us at Regis for 20 years, second-year student Meg Kates made sure to catch some of her words of wisdom before her retirement! Read the interview below for Marcia’s amazing journey as a PT, educator, and advocator.

How did your journey with physical therapy begin?

When I was 8 or 9 years old, I read a story in a Reader’s Digest publication called Karen, which was the story of a young woman growing up with cerebral palsy in the late 1930s. At the time in history, many of those individuals lived in group facilities for people with disabilities. I remember, in the story, Karen learning how to walk with the help of a physical therapist. My interest was further reinforced in 8th grade, when I saw a television show called Route 66. In the show, main character came down with an illness and had to be hospitalized, and, I remember, a physical therapist helped him get well. Lastly, the gentleman who became the head of the Rehabilitation Center in Grand Junction moved across the street from me. I had lots of opportunities to talk to him and watch him. So, I had lots of opportunities for physical therapy to be reinforced as the career I wanted to pursue.

I graduated with by Bachelor’s in physical therapy from CU, and then I moved to upstate New York, where my husband went to law school. A Bachelor’s degree was all that was really available at the time, unless a person wanted to teach, in which case he or she got a Master’s degree. I had never met a physical therapist with a Ph.D. at the time. I lived in Ithaca for 3 years, and then I moved back Colorado in 1972. There were zero positions open in the state, so I worked vacation relief at nursing homes. Colorado has been saturated a long time. Eventually I got a call from the head therapist at Denver Health, who had heard I was looking for a job and asked me if I would like to interview…I said yes! I was hired and it was the weird, the wild, and the wonderful. At Denver Health, therapists are assigned to teams, so I worked in the Amputee Brace Clinic for 6 months. Then, I did hand therapy. Then, I rotated onto the Neuro-/Neurosurgery team. After that, I told everyone they could rotate around me because I was not going to leave that team.

Starting out, did you always know that you wanted to pursue neuro-focused PT?

No, in fact, I thought I wanted to be a pediatric therapist. In New York, I worked at Tompkins County Hospital and Rehabilitation Center for 2 years. That was a wonderful opportunity. I would see a patient who had an acute stroke and I would get to follow them from acute care to rehab to outpatient. I had the opportunity to fill the spot of a physical therapist on maternity-leave at the Special Children’s Center, which was a freestanding outpatient school in Ithaca. Interestingly, the head of the Special Children’s Center had her Ph.D. in Education and her Master’s in Speech Language Pathology. And she had cerebral palsy. In fact, she was one of the people in the book “Karen.” It was a full circle moment for me. I worked with this woman in the pediatric setting for 8 months before I moved back to Denver where, like I said, there were no pediatric positions. There were hardly any positions, but it was at Denver Health where I decided neuro is what I really wanted to do.

 

Can you tell me more about your experience with Ranchos Los Amigos?

When I was at Denver Health, I felt like I needed to know so much more. I expressed these feeling to my husband and he encouraged me to apply to universities for a Master’s degree. I was admitted to a program for clinical specialization at Rancho Los Amigos, where I learned at a couple of years. The first year was mostly class work, and the second year was all clinical specialization. We rotated between specialties, and I chose traumatic brain injury, stroke, TBI children, GB, and it just goes on like that.

 

What advice would you to someone who want to get into a specific specialty of work?

When I was finishing my Master’s, I can remember a classmate saying to me, “If there are no openings, I will just go do anything.”

And I can remember saying, “I won’t. I refuse. If I can’t be a neuro therapist, I will flip burgers!

So, my advice is to find a place you want to be and stick with it. Secondly, try to pick your final clinical rotation in a setting where you know you would like to practice. Lastly, don’t disregard what you have learned based on the setting you are in. For example, I have used my musculoskeletal and cardiopulmonary skills in practice with my patients with stroke, multiple sclerosis, and Parkinson’s disease. Always be searching for opportunities to use a wide breadth of skills and never putting people into a “box.”

 

What do you think is the next step for the career of physical therapy?

I think that we will always need educators. So, if you’re interested in that route, be considering in what subject you would like to get your Ph.D.

There are other things I worry about. I worry about the cost of education, and the loans that people have to take out. I see how physical therapists are reimbursed in Colorado and nationwide, and it’s hideous. So, I see residency taking us to another level, but, ultimately, we need to be addressed as primary care providers.

Ultimately, we need to be our own advocates. That means writing up clinical studies, asking questions, and answering questions.

 

What is the first step in becoming an advocate? How did you get your start?

When I lived in New York, there were two physical therapists at Ithaca College who would regularly invite me and some others to attend district meetings, and everyone would go. Then, in 1970, New York had its first state conference: that night, everyone volunteered to participate on a committee of the APTA. When I moved back to Colorado, one of my mentors invited me to a picnic, where she asked me if I would become the secretary of the Colorado APTA Chapter.

I asked her, “Do you think I can?”

She said, “Of course you can.”

So, I became the secretary and did that for 4 years before I moved to California to pursue my Master’s, where I continued to follow through with my responsibilities until I came back.

 

What’s the next step for you? What’s in your future?

I am going to continue to do some research. I am going to continue to answer some questions about how we dose exercise for people with Parkinson’s Disease.

I will be doing some traveling. In September, my husband and I will be escorting some friends to Ireland. I am going to see Iceland next. We are going to go for Hawaii for a few weeks, and, then I thought, since we are halfway there, why not go to New Zealand? Why fly back to the mainland? Then we have friends that we will be joining on a river trip on the Rhine. I don’t know after that!

 

Thank youMarcia, for your work and dedication to both Regis and our profession! We are so grateful for all of your contributions and will miss you very dearly at Regis, and we wish you all the best in your new adventure in life! Congratulations!

Budget Tips for Students

Name: Jaegger Olden

Undergrad: Central Washington University

Hometown: Aberdeen, Washington (on the peninsula, no not by Seattle)

Fun fact: my spirit animal is a hangry Terry Crews

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I have been in college for almost a decade. So you could say I am what comes close to being a professional student. However, with that title comes heaping amounts of debt. Fortunately, I have learned the art of budgeting, scholarships, and sucking up to my extreme-couponing-and-geologist wife so my debt is incredibly low. Unfortunately, most students finish their graduate degrees with six figures of student debt. I am here to share my secrets and help you avoid evil student loans (well, as much as you can).  

Budgeting

I can’t stress this enough: BUDGET YOUR MONEY. This is the key to being able to:

A) know how much money you need in scholarships/loans/income and

B) decide where your money goes

Budgeting is fairly straightforward. Create a spreadsheet with all of your expenses listed out. It is easiest to do this for each semester because, as students, we are charged tuition and given financial aid only 2-3 times per year.

Some of the categories my wife and I use are:

  • Rent
  • Utilities
  • Gas
  • Groceries
  • Internet/Cable
  • Insurance/Medical
  • Car Maintenance
  • Entertainment
  • Emergency Fund

All of this goes into our budget Excel spreadsheet. If you don’t use Excel, then you should start now. There are plenty of tutorials online if you need to refresh on the functions or even through the Regis Library/Learning Commons/Tutoring Center on campus. The best part about budgeting like this is determining how much in student loans I need to take out.

Tip: Avoid taking out your max student loan amount each semester AT ALL COSTS. This is a great way to reach your lifetime federal loan allowance (which is $138,500 with no more than $65,000 subsidized).

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Loan Repayment Strategy

I’m sorry for using the L-word, I promise you it gives me a lot of anxiety just thinking about the hole I dug for myself, but that is just our reality as students. One day, we will need to repay these loans and it’s important to have a strategy to do so.

After plenty of research, my wife and I have decided to use the Debt Snowball repayment plan. This is the famous strategy created by financial expert Dave Ramsey that bases debt repayment on the combination of psychology and interest percentages. Instead of paying off debt based on interest alone, the Debt Snowball creates a system that pays off debt based upon the total value of each individual loan to create a psychological reward as well as paying off debt as quickly as possible.

This method, along with plenty of other financial tips and advice, is featured in his incredibly successful book The Total Money Makeover, which I can’t recommend enough.

Housing

I know too well what “money dump” apartments are and how getting a cheap apartment can come with some hazards. This is typical in Denver. As of today, three students just in my class have had their cars stolen from their apartment parking lots while their managers refuse to install security cameras. Because of this, it actually can be both safer and cost effective to slightly splurge and find apartments in low crime areas. The Denver Police Department maintains a great crime map that is user friendly.
However, if you can manage it, then I suggest trying to buy a house or condo. You’re probably saying, “this guy is crazy!” but you’re putting money into someone else’s bank account every month with no equity. Not to mention a mortgage payment is less than Denver rent. So if you have enough savings to go into a down payment, or can have family help, go for it! If you’re going the family route, then I suggest giving them a return on their investment via the equity upon selling. It is truly a win-win.

Shopping

Shopping is easily the biggest way we save money. I am infatuated with couponing and am getting pretty good at it…to the point of saving up to $30 a week on groceries. I’m currently a part of a coupon club that sends me coupons daily…go figure. I also use the Krazy Coupon Lady. The last major strategies I use is shopping at Costco or Sam’s club for bulk items such as meat to freeze, fruit, vegetables, and nonperishables.

However, if you are really interested in saving money and time on healthy meals, check out my wife’s blog post about eating healthy in college. She goes over our full healthy cooking system and how we save money on our groceries.

Read more about cheap and healthy eating in college HERE.  

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Saving Money at Regis University

Being a graduate student at Regis University does have its perks! Take advantage of the amenities. My favorites are the gym, 10 free local transit passes a week, and 2 free swimming passes a week for any Denver Parks and Recreation’s Aquatic facility. One of the better pools close to the university is the Berkeley pool attached to the Scheitler Recreation Center.

Some of the other ways I save money during class are bringing my own food for lunch, bringing K-cups from Costco instead of purchasing coffee (there are two Keurigs in Claver Hall, which ends up being 34 cents a cup), getting a beer with classmates at Walker’s pub during happy hour ($1 beer), and taking advantage of free food events. I also frequently use the classroom electricity to charge devices and shower at the gym to reduce water-heating costs at home.

Income

One of the most daunting factors about being in graduate school is the lack of income. However, there are plenty of great ways to have an income with minimal time commitment. One of the easiest and best ways to do that is to turn your hobby into a job. One great way to do that is to start a money-making blog! There are countless benefits to creating a blog in college. THIS is a great post that breaks down the reasons why you should start a blog in college and THIS is a great post to help you understand how to do it!

Another great way to make money is to donate plasma. I personally donate twice a week and receive about $300 a month for less than 3 hours a week of sitting in a clinic. All plasma is donated to medical research facilities and nearly everyone at these clinics are amazing and professional people. Despite what the stigma is against plasma donations, it is a requirement that you have a home in order to donate.

Some of my other classmates use their skills as a small income like instructing rock climbing lessons once or twice a week for gym memberships or baby sitting/house sitting for friends.

A small amount of income comes a long way, but take precaution based on your performance in class. You’re a student first!

Utility Saving Tips

I got bills! Of course the more energy efficient your household is the lower the bill. One of the more helpful strategies to adapt daily is running appliances that have a high energy cost during non-peak hours. For Denver (consumers of Xcel Energy), the best times to run your appliances (dishwasher, dryer, etc.) are between 9pm and 9am.

In addition, here is a list of other easy tips:

  • Sealing doors/windows/sinks
  • Running the fan in reverse during winter
  • Don’t use heat dry in dishwasher
  • LED lights in bulk and swap out when moving out
  • Read your electricity statement: Xcel sends personalized saving tips
  • Reduce standby power (printer, TVs, gaming systems)
  • Minimize cooling by opening the windows at night (if safe)
  • Deduce shower time

Having Fun

Now I know it seems like you are not going to have time, but make time to do what you love. This will prevent getting burnt out and being miserable.

Some cheap ways of having fun is getting outside to hike, trail run, rock climb, mountain bike, or cycle. The National Park Service has an amazing yearly pass deal that pays itself off in under 8 visits.

If you’re a skier/snowboarder, then I have heard the Epic pass is fantastic. It has a student pass and pays itself off after 4 times of hitting the slopes. If you like to hangout and watch tv, save money by streaming via Netflix and Amazon Prime. If you get Spotify premium as a student, you save $3 a month and get Hulu for free.

Also, if you’re a book worm, then go get a Denver library card in combination with an app called Overdrive. You can access the ebook library, audiobooks, and most movies currently out on Redbox.

Do you have any favorite budgeting tips? Were these strategies helpful for you? Feel free to comment and share with us!

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How to Manage Your Money in DPT School

Name: Kim Bjorkman, Class of 2019
Undergrad:
 University of Puget Sound
Hometown:
Jackson, WY
Fun Fact: 
I sang the national anthem at rodeos when I was in high school!

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Living as a graduate student does not mean that you must subsist on Top Ramen and canned soup, but it does require taking responsibility for your finances and making informed decisions. I’m here to give some insight on how it’s possible to still live like a normal human being while on a graduate student budget.

First off, the nitty gritty:

Each year of the program, you can accept $20,500 in Federal Direct Unsubsidized Loans. You can also apply for a Federal Direct Graduate PLUS loan. The amount of Grad PLUS loans you are eligible to apply for will vary year to year, but expect around $25,000 per year. It’s important to remember that even if the Grad PLUS loans are on your financial aid award letter, you still must apply for them to actually receive the loan!

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Kim is happy to know so much about budgeting!

If you establish Colorado residency right when you get here (before the start of fall semester), you can also qualify for the Colorado Graduate Grant (starting 1 year after you become a resident). The grant pays $5,000 per school year, so be sure to apply as early as possible for residency to make sure you can get the grant for you 2nd and 3rd years of DPT school! Eligibility entails having a CO driver’s license, being registered to vote in CO, and all vehicles in your name being registered in CO. Prior to applying for the grant, you must also update your FAFSA with your CO address and ensure that your state of legal residency is listed as Colorado. Finally, you must ensure that your address in Regis’ system is updated. Remember, you must apply for FAFSA each year to be eligible for the Colorado Graduate Grant.

As you’re creating your budget, here are some things to keep in mind:

The loans are distributed at the start of fall semester your first year. This money will be for fall and spring semesters. You will get another disbursement at the start of the summer semester for the same amount of money. This must last you for summer, fall and spring! So, essentially, every semester the financial aid will be dispersed in three equal quantities…but there will be differences in tuition costs each semester. This will result in an imbalance in refunds—be sure to plan ahead.

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These first years are so glad they planned ahead! (Volunteering for the Outdoor CO Trail Restoration Crew)

If you have questions about your particular circumstances, email or make an appointment with our financial aid counselor, James Cesar, at Jcesar@regis.edu.

Now that you have your bank account full of loan money, how do you make it stretch?

While on my graduate student budget this year, I discovered several ways to save money here and there, and it has added up!

Here is the inside scoop to becoming a Master Couponer:

  • Digital coupons: create an online account with your grocery store of choice (King Soopers, Sprouts, Safeway, etc.) and simply load digital coupons to your club card. As long as these are loaded prior to shopping, they are automatically deducted when you checkout. No paper coupons necessary!

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  • Ibotta: this is an app created right here in Denver that provides digital rebates for all sorts of things! You can get money back on groceries, alcohol, Uber rides, Amazon purchases…The possibilities are endless. Once you’ve earned $20, you can transfer the cash to Venmo, PayPal or a gift card. If you access the app using my referral code, https://ibotta.com/r/jtfwknt, you will get a $10 bonus when you redeem a rebate within a week of loading the app J (Pro tip: “any brand” items do not count toward earning this $10 bonus).King Soopers Screenshot.png
  • Other apps: there are two other rebate apps I sometimes use, Checkout 51 and Mobisave, that have less items but can be helpful in saving a few dollars.

 

  • Groupon: get an additional 25% student discount on all local deals. While you can certainly find deals for restaurants and spas, Groupon also has deals for dental care, car maintenance and Costco memberships. Get a bonus 3-10% savings if you access the Groupon app through Ibotta!

Living on a student loan budget does impose some limitations, but when managed responsibly, it is certainly possible to enjoy your time in graduate school. If you have any questions, please feel free to email me at kroberts006@regis.edu.

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