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About skyuppercutt

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  1. While what you are saying is true, there are a couple of caveats that I kept in mind when making a decision. When I made calculations as well, I also found that OMA was cheaper than RBC when I was younger, but when I get older the step rate for OMA would surpass the cost of RBC which would remain the same. That being said, OMA was much much cheaper than RBC was, so when I calculated how many years I would have to be with OMA until it's cost supassed that of RBC I found that it would be something like a decade or so until I just broke even. I decided that financially for me it would make sense to stick with OMA, because the money that I would save from paying into my RBC premium, I could instead use to pay off my student loans (save on interest) OR invest for it to grow. So, in the long run I may even continue to profit from this difference because it would grow with compound interest. Another thing I thought about is that, after 10 years or so when the cost of being with OMA rises I will be making signigicantly more money as an attending and would financially be in a better place that the difference wouldn't really matter at that point, because I'd have more money anyway. While it's true that you'll never be as young or healthy as you are today, when you decide to increase your premiums, because you're making more money, they will use your age at the time when you increase your premiums NOT the age you used to sign up for the insurance plan, which is something none of the insurance brokers mentioned unless I specifically asked for it and pressed them. I'll just briefly explain this since it's a bit complicated: If RBC offers you $1,000 of disability insurance for $10 per month when you're 25, but it costs $50 per month when you're 35, some people will be like okay sign me up at age 25. Now you finish residency at age 35 and are working and wanna get another $1,000 coverage so you have $2,000 in total and you call up you're friendly broker and be like hey, hook me up with some more coverage, they will then say that you will now have to pay $60 per month ($10 from when you're 25 and $50 because you're 35 now), you won't get it for $20 in total, which is what they make it seem like. So ya, just my $0.02
  2. That's right. Rebates have been lower, but at the same time they actually have rebates. When comparing OMA vs RBC I find that OMA is cheaper anyways, so even if there weren't any rebates you'd still be paying less by going with OMA (assuming your situation is identical to mine). A lot of the insurance brokers used the rebate argument as a reason to not go with OMA saying that the rebate has been decreasing over time. I always took that as a moot point because the other options don't even have a rebate as a possibility (at least the ones I've researched)
  3. I feel that I researched all of them really well before starting residency. Now I'm not an expert obviously, but all the advantages that people say about RBC (personalized and unchangeable) I didn't feel were really big advantages. Especially given that for OMA if it does get changed it'll be by physicians who are current insurance holders. I ended up just going with OMA they have a discount so you'll be paying less during residency. Near the end of when I finish, I will reassess and decide if I want to stay or change. That way I'll also know if I'll still be in Ontario or not. So we'll see. Stay tuned!
  4. skyuppercutt

    Studying to be a good clerk

    Show up on time. Really the only way I felt that helped prepare me for clerkship was shadowing lots of doctors. I did a lot of surgery shadowing and by the time I started, I was very very comfortable in the OR whereas some of my classmates had never stepped in the OR. Just an example in surg, but if you do it in other specialities it'll be good too
  5. Hey, Just sent you a pm!
  6. I've thought about that a lot too. I'm not sure if there is evidence for it, but from my experience, I can say that if the patient looks like they're in pain from their facial expressions and they get morphine their expression changes. I have also thought about, what if all these things we do that are commonly found on a palliative care order set are just things we do to make ourselves and the patient's family feel better. Who knows right? How would one study something like this too? When patients are in their last moments of life when you would use stuff like scopolamine etc they tend to be nonverbal anyways...
  7. skyuppercutt

    FM Interview Social Attire

    While I heard that they tend to be more informal compared to the rest of medicine too; that was definitely not my experience when I interviewed for family med last year. When I interviewed, almost everyone wore a suit and tie (for men) or formal wear for women. There were a couple of people who were more casual, but for the vast majority of people >95% were dressed formally. I would not recommend dressing casually to the interview, YOU WILL STAND OUT For the social, I wore dark pants and a cardigan. It would be okay to wear jeans for the social too and some people did, which was fine. I prefer dressing a little more formal and so stuck with dark pants (or dark wash jeans). Definitely try to go to the queens family med social if you get an interview there. It was amazing!
  8. skyuppercutt

    Quality of CCFP-EM programs across Canada

    Hahaha, pretty much this right here. You should apply everywhere and hope that ANYONE takes you. If there's somewhere you don't want to go, just don't apply there. Just know that you're most likely not going to match. Everyone who applies thinks they're in the top 10%, but good luck anyways!
  9. skyuppercutt

    Online Master's Degrees

    I've actually been thinking about doing this as well, but then someone I spoke to asked me "why" I wanted to do a masters degree? Is it for the sake of doing another degree or do I actually want to do something with the degree i.e. masters in education because you want to work in an academic centre vs mba because you want to do management stuff etc. Definitely something to think about before you go ahead and do one, because it obviously will take a lot of time and money. Also, would be worthwhile to know what your program is. Not to talk down on some programs, but realistically you will have more time to do masters in path/psych/family vs general surg/internal etc Really what you should decide is why you want a degree first and then you can go ahead and do one if it will help you achieve your goals
  10. skyuppercutt

    Resident Dinner and Learns

    To give another perspective, this is something that I would definitely attend. I actually love attending talks like that, because I find that if I can leave with even just one new piece of knowledge on something that will make my life easier or help me change my practice in a way to make me more efficient I would do it. Just the opportunity to meet other residents and form relationships would be enough for me to attend. As Ellorie mentioned, I would also discuss stuff with my close friends/classmates and mentors, but this is something that I would do in addition to the above
  11. skyuppercutt

    Working as a FM Doc vs owning a FM practice?

    You don't have a choice as to whether or not you use your tuition credits. If you have any income (even if it's through a side gig and not residency) your tuition credits will be used up. If you don't apply for them to be used when you start making money, you will get a refund the following year when you file your taxes.
  12. skyuppercutt

    CaRMS statistics

    I'm pretty sure there is a statistic somewhere that showed that the vast majority of students who actually match, end up matching to one of their top 2 (or 3 choices) and anything after that their chances of matching drop steeply. So if you have 3 interviews and those are your top choices, chances are you'll probably match to one of them and adding more interviews is unlikely to add much to your chances of matching. That being said, I would still recommend going to as many interviews as possible. I went to every single one of my interviews (had 14) even though I was pretty confident I would match to one of my top 3 (matched to top choice). Also, I don't claim to know the rank lists of all my classmates but Idk anyone who matched to their 4th choice program in my school. People either matched to one of their top 3 choices or not at all...
  13. It depends on what you want to use it for. If you want uworld to study for the MCCQE then you should start it 1-2 months before you take the exam. If you want to use it to study during clerkship then it would make sense to get a 1 year subscription and do block questions as you rotate through each block. You can then get another subscription closer to the MCCQE 1 exam and review then. To answer the original question, I used Uworld for step 2 CK for about 1 month before writing the MCCQE 1 and did above average in almost all sections. Not top score or anything, but I was comfortable with my score. Also 2 days before writing the MCCQE1 I also wrote the step 2 Ck and passed that too with a decent margin, so it's def doable in 1 month and I don't consider myself to be particularly smart or anything. Also I only ended up going through like 1400 questions or so, so just over half the questions and I was fine. If you do 2 months and are a decent test taker you should no problem with either exams.
  14. skyuppercutt

    Lines of Credit

    MD Financial is not a bank, so you can't get a LOC from them. They would likely recommend you get one with scotiabank. There shouldn't be any fees associated with having it, as mentioned above
  15. I'm not sure for CAMH. When I was a MAM student I don't remember that option being available. I believe there are 2 students out of each rotation group of 9 that could do rotations at SickKids.