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About hero147

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  1. If you're also okay with places like London, Saskatoon, Winnipeg, Edmonton, Kingston, I would say your chances of getting a job is damn near 90% provided it's not super specialized or neurosurgery/pediatric surgery provided you truly are okay with jumping through the various hoops of PhD programs and multiple fellowships. You may be okay with jumping through all the hoops now when you're 21-22, but that answer may change when you're 32-33 and trying to start a family and anxious to start living your life.
  2. hero147

    Matched into my 8th choice

    Such is life. There's probably nothing you couldve done differently that wouldve helped you match to your program of choice. A lot of it is involves being in the right place at the right time. Just remember there's a lot more to life than just medicine.
  3. hero147

    Matched into my 8th choice

    Was it your first choice specialty though? If so, at most it'll suck for 5-6 years. And if it wasn't your first choice specialty, at least you'll be made handsomely and can spend that extra cash making your life outside of medicine THAT much better. Unfortunately, CaRMS is very unforgiving. My heart broke for people who matched to a specialty they didnt want in a place they didn't want to be (especially if it was across the country)
  4. Honestly, a lot of med students are salty about the entire process not just the cost. I would at least slightly understand the cost of electives if it was seamless and if the admin were nice about finding us spots to do electives but I have heard of stories of students hearing back from schools after the elective period/date in question had passed as well as schools cancelling booked electives 2 weeks before the start date leaving said student scrambling (usually at their home school) for any elective they could get.
  5. I think they're suppose to be non-profit. Though they must really be raking in the cash. More and more med students are now double booking and triple booking their electives which forces other people to triple and quadruple book their electives and so the cycle goes on and on meanwhile afmc is raking in the cash. A couple years ago, our school's dean was outraged when he found out about the price of afmc and booking electives and said that it would be brought up at the next dean's meeting to propose solutions to help with elective and carms costs. I guess things...never change.
  6. hero147

    Medical LOC denied

    I couldn't tell ya. But its definitely worth asking around to see if RBC will let you take out a LOC. Did you talk to someone who deals with professional student lines of credits at Scotia especially for med students when they denied you? If you talk to the wrong person, sometimes they are less willing to bat for you when applying for a LOC at a particular bank. Try to find out who the go-to person for your school is. If they say no, you can start exploring other options.
  7. hero147

    Medical LOC denied

    How's your credit? Any big bankrupcies in the past? Do you pay your bills on time? Are you going to med school in Canada, the States or abroad? I find that Scotia is usually the best at getting these LOC approved from personal experience.
  8. Race to the bottom of the barrel. I am actually surprised more schools haven't caught on and made their own health sci degrees like mac does since theyve been so successful with it in the past 13 years. The easier the grades, the more competition, and just let the application money just roll in. Though I guess if there were more programs like mac health sci, the success rate of getting into med would also drop proportionally since theres a bigger pool of health sci grads. There is one thing I liked that Mac health sci has done and that is bring attention to the fact that 99% of the stuff we learn in undergrad probably isn't that useful to most people and putting that time and energy into networking and doing what health scis do is likely more beneficial.
  9. I remember reading that it was actually the age of application come December 1st of the application year. But I think that was for Mac. Other schools may do things separately I suppose. For Western, the average age of matriculation (1st year) was 24 for my year.
  10. To answer your question outright, neurosurgery has the worse residency, attending life, work-life balance and even employability. Plastics is generally more competitive. Of course this is all subject to individual variation with practice type and residency location.
  11. Depends on whether or not you're on a level or step rate. Step rate has bands and often costs more over the long term vs level rates depending on your age. I know, thats why people tell you to max your coverage to lock in 4000 or 4500 at age 25 vs 30 when you're an attending because youre paying a 25 year old rate on that initial 4k-4.5k. Honestly, between the 2 options you can't go wrong. For reference, I went with RBC in the end after weeks of listening to insurance brokers when I was in 4th year.
  12. I heard the OMA rebates were 0% for the last year or 2 and has been steadily declining over the last 10 years or so (down from like 20%?). People are saying that premiums will increase as a result. When I did the cost analysis between OMA and RBC when I was deciding, I think I came to the conclusion that OMA is cheaper upfront meanwhile RBC is cheaper in the long run when you disregard the OMA rebates/potential premium increases. However, it is also highly dependent on your age, the older you are, the more favourable it is for you to stick with OMA. The younger you are, the more favourable it is for you to stick with RBC. Also keep in mind, when you choose either RBC or OMA, that you should probably stick with it for the rest of your career for most people as you will never be as young or as healthy as you are today. And as people have alluded to before, insurance brokers do make commission off the rbc product, so take what they say with a grain of salt.
  13. I do agree that the OP should stay in Vancouver mainly because it will be easier to match to vancouver being a UBC student and I dont think any amount of money is worth staying away from your loved ones for an extended period of time. But at the same time, the OP should know that its not just 70k. Plus they could easily go unmatched at UBC as well, its not specific to Calgary.