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Hanmari last won the day on September 16 2018

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About Hanmari

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  1. I asked for my harder/busier/less interesting rotations (for me they were the same) to be first so that I could be excused for doing a bad job. Services are also generally less busy in the summers and rotation coordinators will be more accommodating to your vacation requests. At my program the PGY1s could not take more than a week off per month during 1-month blocks. I never got the straight answer but got the impression it's a grey area in residency association rules that blanket restrictions on vacations aren't allowed unless the program thinks your clinical education would be compromised or whatever, some stupid loophole that in the end allows the program to pull off crap like that. Now, given the current climate and the very real possibility of things being in emergency mode until late 2020, I would suggest leaving your elective block until later in your year to prevent it from being cancelled. Likewise doing non-core mandatory rotations (i.e. off-service) in the first few months runs the possibility of you being repurposed into emerg/ICU/other rotations more core to your specialty. Whether that's a bad thing is up to you to decide. Lastly in my opinion there's no harm in scheduling vacation weeks in the early few months if that's what you'd like, given that you'll likely have time to reschedule within the same year of residency if they get cancelled. Just don't be making firm travel plans anytime soon.
  2. I used to have an acquaintance like that in high school and undergrad and it bothered me a lot that they were doing better than me with 1/10 the effort, then I realized after getting into med school that's not all that special and they weren't even that smart compared to all the crazy people you meet in med school. Then same in residency. And so on ad nauseam. There are always tons of people above and tons of people below and if you're cocky about your supposed superiority like our acquaintances are, someday someone's gonna put you in your place.
  3. They'd never even try to cancel or postpone the exams if they legally had to compensate every potential graduate for lost staff income / psychological damage until the exams were re-instated. I know. Life doesn't work that way. I'm sorry PGY5s. Us juniors are terrified of one day having to imitate your knife-tip balance of sanity and skill. Hang in there, I hope things don't go down that path.
  4. Thanks both for the replies and the discussion! It's that 30k vs. 13k difference from Rmorelan's table I am wondering about, more or less. I know that is hypothetical and irl we would not have the same numbers / we would not be taking out all our corp money in lump sum, but there is basically some sort of tangible difference between corp money and personal money that is difficult to calculate. I would love to be able to look at my corp as staff and know oh, this is how much money I actually have, were I to retire that day and start drawing down from it.
  5. Interesting. I thought generally speaking doctors made less in Quebec vs. other provinces. Is that not the case for psychiatry then?
  6. Lots of rambling questions below, apologies in advance for the poor read. The general rule as per Trinity study is 4% safe withdrawal rate (SWR) for retirement, or 25x annual expenses in your portfolio. I know there's a lot of more conservative talk about 3/3.5% SWR these days but I understand the 4% as a general guideline that's tried and tested. But I have a hard time understanding how this plays out with incorporation because the number you see in your corporation is larger than what you would have if you paid it out to yourself as actual cold hard cash, given the taxation deferral. Is it as simple as calculating the difference in corporate/individual tax rates and applying it to the amount held in corp? Or are there other details to consider when thinking of your corp as an asset? For example, does it matter how much you decide to draw as salary vs. dividends in retirement, given they are taxed differently and one is eligible for RRSP room and not the other? Or does tax integration make that irrelevant? I am mindful of not letting the tax tail wag the investment dog but I am wondering if all these differences in the end amount to a significant deviation from the 4% rule in terms of the number that should be aimed for in corporation. I know also I will probably have all the intricacies explained to me once I go see an advisor/accountant when I'm a grownup, but I got curious and was wondering if there is some sort of general guideline number a la the 4% SWR. If such a thing exists it would put me more at ease about roughly how long I should expect to work until FI. Thanks!
  7. The list from the AMA is also from 2014: https://www.ama-assn.org/education/international-medical-education/state-licensure-board-requirements-international-medical They suggest you contact individual state boards to verify, the info for which can be found here: https://www.fsmb.org/contact-a-state-medical-board
  8. I haven't asked this to any staff because I feel like it'd get me weird looks. It might do so here as well. But regardless, has anyone heard of or seen any practice models, in any specialty, where the part-time practice is structured such that you work for a certain number of months per year and then are completely off for the other months? I've only ever seen staff taking weeks off at a time. Doing outpatient work and finding locums to cover for the months you are away seems to be the most plausible option, but I'm wondering if there are other ways to achieve this. Are there hospitals or clinics that will allow this kind of practice, and if so in what context? What's the reasonable limit if there are such practices, e.g. can you work for just half the year? Are there college rules against stuff like this for the sake of patient care? I understand the question is vague and broad but I've never seen anyone do this across all the specialties I've been exposed to so I'm casting my net wide. Thanks!
  9. Finally went net worth positive as of this month, between the remaining LoC and my TFSA. I had a low debt load bcz of grants in med school, but regardless, it's been a frugal journey thus far. I'm buying myself an extra meal out this week to celebrate. Yay /humblebrag What's a good next step? Continue as now and mix the LoC paydown with building the TFSA? The TFSA is, as it should be, all equities and could send me crashing back into the red tomorrow. Or should I start saving for royal college costs...or is that too far away? What'd everyone else do around this time of their lives? I am all ears for your wisdom.
  10. Don't put yourself in the financial situation where after 24 years of practice you can't call it quits when you're hit with something like this.
  11. It's been a long work in progress but I'm slowly easing these thousand year old conservative blockheads into tolerating me in increasingly casual wear Society needs to grow the hell up and realize what I wear won't change the efficacy of the meds I prescribe I fully expect t-shirt and beach shorts by end of residency
  12. You could get zero on this exam and you'd still be "ready to work" if you did your residency and passed your royal college/CFPC
  13. I suspect this probably differs based on specialty prospects but generally speaking how early in the last year of residency do people apply for jobs? What if you wanted to take some time off after residency - say a few months or maybe even up to half a year - how would that change things in terms of when to apply? I presume it wouldn't fly to go into an interview and tell them you'll start in six months. Just asking out of curiosity even if there's a long way still to go for myself. Thanks!
  14. Fear not, medical education will beat this doubt and weakness out of you and turn you into a machine whose engine requires no frail warmth but only the nourishing oil of evaluations and indentured labor. Go forth fearlessly and melt the alloy of your youth into the white heat of servitude. Soon you shall not even recognize female faces, just like the 90-year old on your ward who swears to you the rhino on their MoCA test is a fucking hawk.
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