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cleanup last won the day on October 23

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  1. Since someone doesn't want to give you a serious answer, I'll be happy to oblige. 1. From what I recall, for me, gross anatomy was tricky just due to the sheer volume of information. In terms of easy courses, preventive is merely annoying. 2. There will be plenty of resources to share amongst your class. There are two fraternities that have supplemental study materials, people make study cards and share them, etc. There's no reason to worry about this now. So please don't. 3. This is hit or miss. Again, not worth worrying about something that has not occurred. Orientation week can be huge, but I will say that even transfer students & IDAPP students who enter the class in second year integrate perfectly fine, so missing one week of orientation isn't going to hold you back. The mutual struggle of U of T dentistry bonds you together more than anything else. 4. From what I understand, matching to an OMFS programme is more about interest, commitment, doing externships, and speaking to people. You don't have to be a top, top student, but some US programmes will require higher grades or a high USMLE score. In Canada you just need to be really committed. 5. Nope. Don't worry about it. Above all, you really need to stop ruminating about things that may or may not happen, and even if they do happen, have not happened yet and truly aren't worth tackling right now. All you're doing is stressing yourself out and reducing the quality of your life presently, for the sake of a completely imaginary future. Why bother?
  2. You're worried about not meeting your future spouse at age 22? Zoom out. Gain some perspective. Investigate why you think this is reasonable and why the fact that your undergrad was made up of "2 failed relationships" is apparently catastrophically meaningful in the long-term other than each taught you something. The sky doesn't fall if you're not married. Really ponder for yourself why you think this is important right now. The faster you chase something, the faster it will run away. Try to live your life for you, because you're young. If someone you fancy happens to wander into your life and they like you too, great, run with it, but don't hold it to some arbitrary standard or timeline. That's a surefire way to disappoint two people, not just one. Foster your relationship with yourself first, and your relationships with everyone else will flourish. I promise you that. I've been with more women than I can reasonably count. And it took a LOT of failure, experimentation and heartache to teach me about who, what, and why I want to be with someone other than myself.
  3. Someone feel free to correct me on any of this. Your LOC has a very low interest rate so although you should aggressively pay it down, not every dollar has to go there. You can feel free to invest in your TFSA, RRSP and even non-registered accounts (while still holding an outstanding balance on the LoC) as you pay down your debt because you can reasonably expect to obtain higher than prime returns. I don't have any idea if medical residents in Ontairo receive RRSP matching from hospitals, but if you do, then you absolutely have to do it each year. It's free money. That comes even before some debt repayment. You can delay your RRSP deductions until later on when you have a much higher income. You can delay these deductions indefinitely until they are more useful to you. In the meantime, use your tuition credits. Once your tuition credits are exhausted you can look into incorporation as well. An emergency fund is up in the air; many people have safety nets (ie. parents), and in your case you have your LoC. As long as there's room in it, it's at such a low interest rate that holding 3-6 months of income in a HISA is not really that useful. Pick a date that you want your LoC paid off. Something that's reasonable. As long as your investment plans (whether that be TFSA, RRSP or non-registered) do not push that date back and you can continue to budget to have your LoC at 0 by your debt payoff date, then you can feel free to do it. The "waterfall" method as described by a lot of folks is useful, but there are modifications to it given the way medical residents take on debt (a lot of tuition, with a large LoC at a low interest rate) as well as the income progression (from a little to a lot very quickly). Licensing/Royal College costs are minimal in the grand scheme of things and you will easily be able to budget for this upon getting your first job. There's no need to budget for it now, in my opinion. Personally I'd rather budget for vacations. Lastly with your TFSA & RRSP being relatively small accounts I'd recommend doing your investment yourself with a discount brokerage like Questrade. You can use a Canadian Couch Potato portfolio if you want something simple and reliable that thousands of other people are doing, with minimal fuss and fees. I don't follow any of the CCP portfolios but in the beginning all of my investment was in index ETFs and very passive in nature. You will not "crash into the red" tomorrow. If you do, it's because the market's down, and you don't care because you're not touching that money for decades. To be frank, you should be happy. Red means it's on sale, so buy more.
  4. Remain civil or I won't be. You've been warned. Next time it's a ban.
  5. You’re right. I was inaccurate. There’s a separate dedicated schedule/fee guide for it.
  6. If some form of universal dental care is actually implemented, it will only be for folks who qualify by virtue of having less than a certain amount of taxable income. The question that remains is what type, level & form of coverage is actually given. Several years ago the Ontario Disability Support Program, which already provided dental coverage for its members, covered about 80% of the fee from the Ontario fee guide. Dentists were obviously fine with this, even if they had to write off the 20% (which they always do; no patient who has government coverage is going to pay the co-pay, they will simply find a dentist who offers to do all work on assignment, while writing off the co-pay, and that has become the norm even for regular insurance patients sometimes). The reason is because there weren't really too many checks & balances in place with respect to *how much* dentistry you could do, but only *what types*. Otherwise, if it satisfied the type, and there wasn't recent treatment done on that tooth, it would be covered. You can reasonably expect this leads to a lot of abuse of the system by both dentists and by patients. Dentists become gun-happy because they know treatment is covered and patients are agreeable (when it's free), and patients become system-abusers because the norm is established that their treatment is always free (as long as it falls within a certain scope of treatment) and the dentist is expected to do it. To be frank, this is not unlike how the landscape of family medicine has changed. A lot of patients, a lot of simple visits, a focus on volume rather than quality, and a huge bill for the government. The difference is that powerful medical associations and lobbies are able to keep this going, and the war of attrition between the medical community and the government progresses in either direction much more slowly, a bit like a strained and unhappy but essential marriage. Then a few years ago the program wised up to the financial abuse of the system and lowered their coverage to 30%, thinking that patients would shell out the 50% differential. Surprise: that didn't happen. This results in dentists being much more wary of ODSP patients (which is a good thing), but also in ODSP patients receiving poorer care in certain instances (30% coverage is essentially losing money by treating, so dentists are far less likely to go out of their way or go above/beyond to help patients). Double-edged swords galore. A huge reason why a lot of people on ODSP have bad teeth is not because of whatever disability they have (although this certainly plays a role), but because of this willy-nilly system that lacks checks & balances. The reason why private, due-on-service dentistry is more careful is because there is someone actually footing the bill who has something to lose by footing it, whether that be the patient or their insurance company, or their employer. This means that people are much more scrutinizing of what's being done, dentists are more mindful of their treatment plans (and don't want to get in hot water with anyone), and the qualify of work is higher. That's the main issue I have with universal coverage. It places the admittedly idealistic and moral desire to have universal coverage for a common health problem and pits it against the shitty, less-than-desirable aspects of human nature (greed, entitlement, a lack of empathy). If some form of universal dental care is implemented by the federal government, it will be of a similar capacity, albeit with income qualifications rather than medical ones. It is also ripe for abuse on both sides of the coin. The correct incentives aren't there. Personally, I do believe in some form of universal dental care but more in the form of how Massachusetts does their universal healthcare: by requiring employers to insure their employees in some way by law. It is opt-out only. It basically means, yes, we will help you, but there is a line where personal responsibility is drawn. Either that or universal basic income, which I am a big fan of because it allows people to prioritize and pick-and-choose where in their lives they need financial assistance.
  7. Foreign trained dentists don't come to Canada to contribute to its economy. They come to make a better lives for themselves. Of course they do; that's the expectation, that's what any immigrant does, and obviously we want them to have skills and lives that contribute to our society. That said, the complicating layer on top of all of this is that we are not talking about foreign-trained professionals of all types or of skilled immigrants as a whole, but rather specifically of dental professionals. That means that the issue goes beyond "should we let anyone in" to "is there any need for this and how does it affect the landscape of dental care for Canadians"? A race to the top is just as bad as a race to the bottom. Right now both are happening. A race to the top in terms of practice valuations because the cost of education, real estate, etc. is so high, along with cheap credit, and a race to the bottom because quality of care is slipping, volume of dentistry is going up, and there's more and more corner and cost cutting to be 'competitive.' To be perfectly frank, admitting hundreds of foreign trained dentists a year is only going to worsen both issues. Not because foreign trained dentists bring lots of money, and not because I think they are any less scrupulous than domestic dentists, but because the influx of an otherwise unneeded amount of practitioners causes these effects across the board. No one is innocent and no one is unaffected. The arguments against this always revolve around 'access to care,' and obviously I live in Southwestern Ontario and am biased, but there is no access to care issues in about 95% of Ontario. If there was a way to get dentists to that last 5% and that involved incentivizing foreign trained dentists to do it, I'm all for it, but there is nothing of the sort set up, and it is naturally somewhat unreasonable to expect recent immigrants to move to areas lacking care; they didn't move to Canada to live in a town of 2000 people. Inevitably, this entire thing is by and large a money grab by the education and regulation infrastructure meant to take advantage of the desire of hard-working people to understandably make a better lives for themselves, even if it means moving halfway across the world. But they have managed to ignore all of the downstream consequences of such a con. It's also a way for the dental schools to be lazy and hog any money that would normally be outset for expanding class sizes. Instead, just collect money and administer an exam. Done. Our profession has an extremely short-sighted viewpoint, much like the real estate industry, unfortunately.
  8. The biggest issue foreign dentists have is getting jobs/associateships and having patients genuinely want to seek care from them. The reason why FTD's do the ITD programmes at schools like U of T and Western is not because it is easier, it's because it's harder. And demands more of them. It demands that they learn, understand, and match Canadian standards of care, as well as integrate/ingratiate into the culture. That said, there are plenty of ITD students out there who are clearly there to just 'get done' and 'get through it,' and these are the people who typically struggle the most, have a desperate/entitled/impatient attitude, and go through a lot of heartache. How do I know? Because I teach them. I am not saying that any of this is unexpected. I understand why people want to come here, and why, even through the exam or schooling process, they're trying to get done as fast as efficiently as possible. It's a large financial & temporal outlay of resources. But the simple fact is that doing it with the tunnel-vision mindset of just getting that piece of paper that legally entitles you to practice in Canada is doing yourself no favours. It's putting the cart before the horse, the ends before the means. That said, I know ITDs whom I call amongst my colleagues and friends who are great people, great dentists, and practice in a manner that I condone and find honourable. But, to be perfectly frank, that is unfortunately the exception to the rule. Really search your soul as to why you want to do this and how you want to do it.
  9. To be frank man, if that's the attitude you approach something you wanted advice or help on, I don't think it's any surprise you haven't gotten laid much.
  10. You didn't read my post very well, did you? My entire point is that it won't fuck your marriage over badly unless you let it. It's all in your head. You're imagining an entirely alternate reality universe that doesn't even exist. One in which you don't get married and have this hypothetical life where you're sleeping with 2 new women a week. Ask yourself if this is rational. The only thing in your system is a misguided opinion that you should have done something else; you're projecting your current inability to enjoy your process & journey rather than focusing on some imagined result as a form of regret. But the definition of regret is literally the difference between your current situation and a completely imaginary scenario. Amor fati. Maybe you can get 'this shit out of your system' by splitting up with your fiance and trying to go become a playboy. Maybe. But you lose your marriage in the process. Or, more likely, you can meditate on how to be happy & grateful for what you have, and how to experience joy in the love you can develop for YOUR life, rather than some make-believe fairytale you're telling yourself. Stop wishing for things to be different. Let things be and make the best of what they are. If somehow that is truly impossible, then man up and end your relationship, but do not have any regret about it; you have to own your decision and take profound, relentless responsibility for it and all of the ensuing consequences. Moaning about it on an anonymous Internet forum doesn't, unfortunately, count.
  11. I'm glad I got a lot of debauchery in within my 20s (I've slowed down significantly now as I'm entering my 30s). A high 'body count' to use your language. But only because it gave me perspective on why I didn't need it, not because it gave me fulfillment. But you don't need to do it in order to realize that it's all externalized pleasure that is about as transient and limited as it gets in terms of its ability to fulfill you and make you happy. It's in the same category as money, 'success,' material things. It gave me very short, tiny ego boosts that were not sustainable. Even if you're the guy who in your 40s and 50s can attract women half your age (and I have every intention of having that capability), the key is in courting temptation but not succumbing to it. Really reflect on why you think you want/need to sleep with more women; it really does get old after a while and you realize that it can become an empty quest that brings you, ultimately, nothing. It got to the point that immediately after sleeping with someone new I would feel an existential dread and an extreme need to just be alone. I honestly think that many of my relationships that actually mattered (romantic, platonic or otherwise) suffered as a result of my focus on womanizing.
  12. The OP (Compton) has requested that I close the thread as he believes it has derailed from its original intention. Have a good night everyone and fingers crossed people have come away from the posts with something new learned or realized. Cheers.
  13. I think you’ve presumed incorrectly about me. I vote liberal, but like you I have some reservations about it. Don’t mistake my attempt to be critical of everyone or my lack of expressing a strong stance in this topic as an opportunity to sell me on sarcastic doctrine. There’s no need to put words in anyone’s mouth or to make assumptions. That is precisely the type of attitude that has gotten people riled up in this thread so far. i have been very close to closing this thread a few times as a result of those types of missteps.
  14. I identify as socially liberal and financially conservative as well, and on the compass I was literally right in the centre. The tiniest bit left leaning. I am absolutely a centrist, but that also means that no party really speaks to me greatly.
  15. Depends on the school. Google is your friend. Probably best to do some research on your own.
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