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Don't kid yourself. The AVERAGE family billings might be 300K, but that is halved by overhead. Averages are called averages for a reason, and you'd be looking at around 150k take-home in FM, generally. Other specialties pay more, but you're giving up 5 years making low wages working long, long hours. Your concerns about autonomy, lifestyle, etc., would be even less addressed than in something privately run, like dentistry. And the employment outlook with most specialities is not too great, from what I've gathered

There's no shortage anymore. A mild distribution problem, but absolutely no shortage. Its very oversaturated in many areas, particularly surgical. The jobs literally do not exist in some areas

Your GPA and MCAT are great. You're good to go (as good as anyone can be) for all ON schools but Western, unless your SWOMEN and Northern, unless you're rural, etc. Now, about your money concerns, My advice as well is to spend time now making your UofT essays as genuine and articulate/concise and personal as you can. Then, apply for the Admissions Bursary (they'll tell you about it if you interview). The bursary covers virtually the entire tuition, and theres at least 10 given per year....and keep in mind that the average med applicant doesn't exactly come from an average income family. My family made slightly more, although I have several siblings which may influence things, but you would (I think) have a good shot at the bursary, which I'm sure you would agree is pretty close to life-changing. Sounds cheesy, but it is. Even if you don't get the UofT bursary, my experience has been that once you're in, finances are not a worry for most. You'll be ok. So work hard on your essays, practice like crazy for interviews with anyone who will listen (even better if they aren't all other med applicants! Perspective is good) and you have the potential to be in the clear from needing to re-apply. I get that the fees to apply are scary, and applying 2 years in a row would be challenging, but just worry about that if it happens

1. Yes. Absolutely list them 2. No one knows. Some people put them on, others don't. I didn't, but either way it's not going to make or break I'd assume. It's a for-credit project, and you'd be about 2 weeks in when the application is submitted, so I'm not sure that it really says much of anything about you. Who knows. 3. A few hours? I wouldn't include this, unless you did more. I think I might be missing the point of this question

I just went in with a copy of my acceptance letter, and a screenshot of the OMSAS page where I accepted/declined. They were familiar with the issue and set up the LOC because I needed it to pay the deposit on my lease, and it took ~2 weeks. I wasn't at a bank in Toronto though, and to be honest the person I saw had never set up the LOC before (no need)

Look, I wouldn't normally say this, but use please think twice about those questions before asking repeatedly. Your GPA is above average for basically any school in the country. For example, if you had looked at the stats on the Mac website, you'd know your GPA is well above their average. I'm not sure if you're looking for an ego boost or what, apply where you might want to go. That's all there is to it. Stats are on basically every website.

Contrary to popular belief, research is in no way more important for UofT than any other school. Keep in mind your references are heavily weighted (check out their video on admissions) and essays are from what I was able to find on the UofT forum, worth a lot more than the ABS. They should absolutely apply to Toronto if they want, and any other school. To the OP, don't worry about ECs. In my experience, what you think of them means next to nothing. I thought mine where terrible, and got in to all EC-heavy schools, while people who thought (and I thought) had incredible ECs got interviews only at schools that didn't look at ECs. It's a 100% subjective assessment of yourself......so don't count yourself out because you never know.

Maybe, l was talking about the English stream though

Are you applying to the French stream? You can email them and they will tell you the min. for a stream, but it was a 3.85 last year for IP students, and higher for OOP in English.

All on the individual schools websites. You should read them all carefully before applying. The criteria are vastly different at each school

Yes. Without a doubt. Your GPA means that Mac will be a long shot, regardless. SWOMEN status will be a much, much better chance and you should do whatever you can to meet those criteria. You can and should apply to Mac and Queen's(maybe?) this year, regardless, but if you can re-write for Western that would significantly increase your chances

Just because you included it doesn't at all mean it was scored though. There's a pretty high chance that it didn't make or break your application, if they did or didn't score it. I would say there's no harm in doing so, since you can't 'lose' points, but if you're putting on something they say they won't score (i.e. a undergrad thesis) I wouldn't push a poster or something they definetly will score off to keep it in the top3

Most people went a bit more formal than business casual, for males a suit and females a pant/skirt suit or a business-y dress. Overall, #1 thing is to feel comfortable and confident in whatever you wear. The clothes don't matter, but your body language does

MMI's generally aren't conversational, but uoft was, especially at the end of each station. Panels are different in that respect

Yep! I was entirely clueless, so I just walked in and told them what I needed help with. They were beyond nice to me, and explained it all really well!