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luzzati

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  1. Just some things to consider: -when I was in school, bank reps would come to the school, give us free food, and sell us. Sit back and watch the dog and pony show. -all banks should offer some competitive package to attract YOUR BUSINESS. They want you as a client, they want your money, and future business. Shop around, talk to reps that are familiar with professional LOCs. Some reps are authorized to throw in incentives besides free student banking, such as gift cards (one bank offered $250 gift cards), premium credit cards with annual fees waived, free cheques/bank drafts, etc. -professional LOCs are transferable from one bank to another any time, at no cost to you. Other banks want your business. -you don't need to pay insurance on your LOC and have no cosigner -make sure you know what happens to your LOC after graduation. Interest stays at prime. Whether it turns into a loan or stays as a LOC should be up to you. -personally, I found having the entire LOC accessible from day 1 to be dangerous. Talk to you rep to help budget your spending. I told my financial adviser to only give me X amount every year and I'm glad I did. -bewilders me that some colleagues while in dental school never fully understood personal income and corporate taxes--develop a somewhat good appreciation of that now before you go spend $275K over the next 4 years. -congrats on your acceptance and best wishes to your future successes!
  2. Accept the offer. Decline and forfeit any down payment if accepted to dent. They will understand.
  3. U of M gets no coverage here on the boards, sadly. I would call the admissions office and ask. I believe (second hand info) that the criteria for the special applicant category is different from the regular applicant pool. There's an essay you need to submit with your application and the interview is different from the CDA style interview. How they then compare your application to the rest of the applicants in the regular pool is anyone's guess. Contrary to U of T, I think there's very few grad students that get accepted to U of M through the special applicant category. Or maybe because no one from ON even considers MB.
  4. I don't know if this is possible but don't apply to graduate after the winter semester, take the English as a summer course and then have your degree conferred? It would be too late though if you wanted to use the summer course as a prereq though. Alternatively, if graduate school is your plan B, it may be possible for you to take an English course concurrently with your grad studies. Or take the English course in your 4th year (it's what I did, but my choice of schools were all out of province and I'm from Ontario).
  5. Speak to bank reps that handle professional student lines of credit (dent/med preferred). You will not need a cosigner, and insurance on the line is optional. The line of credit will remain at prime after you graduate. You can transfer the line from one institution to another, so all the major banks should offer similar products. Some reps will be authorized to entice you with signing bonuses such as gift certificates, credit cards with annual fees waived, no-fee banking including overdraft protection, free bank drafts/money orders, etc... When I was in school, bank reps will come to your school during orientation week and sell you everything they have to offer as they want your business early to hopefully keep you as a life-long client. If possible, I would suggest budgeting and tailor your line accordingly. If you're thinking you're only going to spend 70k max a year after tuition and all living expenses, and assuming you're getting 15-20k from loans/grants from other sources (e.g. provincial/government student loans), then ask the bank for a line of only 50-55k first year. Top up the line yearly as you'll have to renew your student status annually anyways. If you're low on funds, a good bank rep will be able to authorize an increase to your line in 1-2 business days. Keep in mind though, 300k debt is a lot of money to repay with post-tax money. Congrats on your acceptance!
  6. I wouldn't worry about it since the test scores are standardized. I'm assuming most people study in the Summer and would rather write it sooner than later. Watch out for schools that only take the Nov DAT and not February DAT for upcoming cycles.
  7. Call up the admissions office. Some undergraduate programs are more difficult than others. My GPA was lower than yours, with your worst year included. I do strongly recommend that you at least consider other schools in Canada. Talk to dental students (esp. fourth years) and new grads. I believe big changes have happened at U of A, and I hear good things about U of M but never gets much attention here on the forums, sadly.
  8. There may be banks that send reps directly to your school and do a sales pitch. They may offer gift certificates, waive bank fees including cheques, bank drafts, money orders, premium credit cards with waived annual fee, etc. Typically your loc should also be at prime, no cosigner, and insurance is optional.
  9. You may be able to "unofficially" start your MSc research based degree anytime, depending on your supervisor and department. Find the right fit for you (research area, supervisor, lab, school, city, etc.) and it's common for students to orientate themselves working in the lab first before they start coursework and are officially enrolled. Some programs will have multiple enrollment dates that include Jan and May.
  10. You'll need to send in all transcripts from schools that you've attended and attending. If you're doing graduate work, Canadian dental schools will require you to finish before accepting you. It may be a conditional offer pending receipt of your final transcript and/or degree conferred, and may also request a letter beforehand from your supervisor/department head/dean stating that you are in good standing and will graduate on time. They will not defer admission. Not sure about American schools. Be aware of early and rolling admissions. Double check with the schools you wish to apply. I'm guessing most schools will place you in a different application pool, and a condition acceptance offer may prevent you from voluntarily withdrawing while still enrolled...unless of course they let you or you do it before you apply.
  11. Keep in mind scale matters for key holes as per the iq books. If you have lots of time left, you're in great shape. My recommendation is to use all of the 60 minutes, don't race to finish and close your exam. Learn from your mistakes when you do your practice exam now that you feel comfortable finishing on time. Understand why you got them wrong and don't repeat the mistake. If you don't already do this, I would also suggest considering all five possible choices per question before moving on. Do not simply circle the answer that first comes to mind without ruling out the other four. Go get that 30! Good luck!
  12. Check with every school that you want to apply to regarding their policy regarding DAT scores. Eg Some will take both and will accept the best set of scores from one writing, but may not be the case for every school.
  13. Impress the interview panel and get ranked at the top of your group!
  14. If none of the schools you want to apply to that don't take into account carving, then don't rewrite. If you feel you can still do substantially better and have time for it, then why not rewrite? But make sure you prepare for the interview when the time comes. The interviews play a huge role for those shortlisted.
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