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jfdes

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jfdes last won the day on May 12 2018

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  1. TD. Haven't tried to get Scotia to match it but I assume they will if I show them a copy of the paperwork?
  2. We had our first class at UBC yesterday, and a few people mentioned they're getting Prime - 0.30 now. Is that the new competitive rate?
  3. RBC and Scotia offer the most competitive rates and products, Scotia is slightly better because they automate the interest payment process and give you better credit cards (with more years of the fee waived I think). Ultimately you'll just want to go with an option that has a good advisor who is familiar with medical students' needs, but Scotia has enough good advisors that are easy to find that you should probably just go with them.
  4. So you don't care how many credit lines we have open, you would just reduce the LOC by the combined credit limits of the cards? Even if it is say 20k - 30k in credit limit over 5+ cards? How does this policy work with "open" cards, e.g. Amex charge cards that do not have a credit limit because you are required to pay the balance off in full every month?
  5. Yeah, anything outside of SK, MB, and QC are pretty terrible for cell phone plans. My parents are getting reamed already with Telus though so I'm looking for other options in case they can't give them anything through the loyalty line. Does it say if you could add on an extra line for $35 to share the data/talk/text plan, like they usually allow with phones? In the Ontario one it specifically says no, but if you can for this it would be ideal. And I assume they include the phone with the plan for this, in addition to the $300 device credit off the top?
  6. Actually its looking like there won't be any updates on iPads at WWDC this year https://9to5mac.com/2018/05/31/bloomberg-wwdc-roundup/ I'm in no rush though, I'll either keep an eye out for deals for the 2017 Pro or wait for the update if there are hints it'll come in the fall
  7. Would anybody be able to post the updated CMA plan, or confirm the details? Don't know if they are different but I am specifically looking for BC, and it needs login info I don't have just yet. https://www.cma.ca/En/Pages/telus.aspx
  8. This setup is amazing. I was just debating picking up an iPad for note-taking and i think you've just convinced me. What do you use to edit after class? I'm assuming any PC or Macbook would work, or even the iPad itself? My PC still works really well so I'm hesitant to upgrade to a touchscreen PC, so this looks like a great in between where I can hook up the PC to a couple of monitors and be able to study with all the notes taken from the iPad
  9. Central Michigan University is also pretty Canadian friendly, I was accepted with a 512 MCAT and ~3.8 GPA (although I think they liked my essays and ECs). Lots of Canadians there interviewing and accepted as well. Newer school though, and in a rural location.
  10. Ahh ok, I've heard they've been stingy with waiving the fee for establishes Scotia clients on their new card so was worried they may not want to budge on it. Happy to hear otherwise, Chase is gone from Canada so there aren't any good 0% fx fee cards available nowadays. Looking forward to having this one for four years... Sounds good, I'm familiar with the referral game with it comes to credit cards and am happy to use yours for the LOC if you can help facilitate the process.
  11. Great, thanks. Do they compete for clients with other Scotia reps? I'm really looking to get the latest Passport Visa Infinite Scotia just started offering, and am wondering what the best way to negotiate this is...
  12. Ah ok, thanks. I'll be attending UBC. Should I reach out a rep in Vancouver, or is it better to meet locally to set it up (won't be in Vancouver till at least August probably).
  13. I'd interpret it as them offering you VFMP, and it being up to you to accept or decline - so not being forced into doing anything. It probably isn't a bad idea though to send an email seeking clarification.
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