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Zaandrei. last won the day on June 14 2018

Zaandrei. had the most liked content!

About Zaandrei.

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    Senior Member

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    : Schulich
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    Teeth, cameras, cars, computers.... and I guess... people.

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  1. 4 years worth of credit; if you manage to squeeze all your courses into 3 years its still a '4 year degree'
  2. Don't stress about that; I did mine in like late august.... Trust me that the least of their worries right now haha
  3. Federal tax credits for education was taken off the table back in 2017; provincial is separate. Just in case people didn't know; it was annoying that they couldn't wait until i finished my schooling Also keep in mind the marginal tax calculation not using the highest bracket to assume you'll get taxed at the highest bracket. See below for Ontario (add these to federal). The effective tax rate for someone earning around $140k is about 32% before any deductions. 5.05% on the first $44,740 of taxable income, + 9.15% on the next $44,742, + 11.16% on the next $60,518, + 12.16% on the next $70,000, + 13.16 % on the amount over $220,000 Sources: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-32300-your-tuition-education-textbook-amounts.html https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html#provincial Just in case people wanted a bit of information; seemed as though a lot of my colleagues had no idea what the difference is between effective (or average) tax rate vs the marginal tax rate.
  4. A lot of those may be individuals from 1st-2nd year; our initial FB page had the majority of the year above us in it.
  5. I don't think there are any guidelines out yet from the CDC, Health Canada or RCDSO in Ontario; so no way for anyone to have made a concrete plan. Expect more limited clinical usage; +/- more PPE, more screening tools, potentially changes in the way the clinic is physically set up/used etc... I'd expect them to come back; I know some schools will be transferring some of their classes to online curriculum where it can be done and rotating students through sim clinics to kinda spread things out at the moment. Come fall, who knows, things are changing week by week.
  6. There's many things to consider depending on if you're a US citizen or Canadian. So for Canadians it's a lot more straightforward. Get an LOC, use it as you wish. Apply for OSAP, milk them as much as you can for that free money and free loans; then pay is all back after the grace period after graduation - the interest on the LOC is lower than OSAP by a landslide. Try to keep it reasonable. max limit is about 375k, don't get near it if you can help it; don't be a big spender during school. Enjoy your time off, don't go working, not worth it like someone else mentioned. During dental school, get a financial advisor/insurance broker, typically they can do it all: find you a job, get disability isurance, help you with your resumes, retirement savings, buying a practice... anything. You get a bunch of this in 3rd/4th year as they start hunting you down. They can usually point you in the right direction, what to focus on, what to pay off first, where to find a job, how to invest, retirement planning etc. Paying off your LOC is actually fairly low priority since its low interest rate. I don't believe you have to 'keep costs at an all time low' after you're done school. Interest on 200k-300k loan is about $700-1200 a month right now. If you're on the bottom end of a dentist's wages at about 100k/year, there's still plenty of headroom. No need to worry about your LOC during school at all, and not even much after finishing school. Focus on school while you're in it; just don't go buying a brand new Audi RS7. I'm a AEGD resident in the US right now and I'm strolling around just fine with an income of about 50k USD/year; that's covering my interest and some of my principal as well. I'm certainty not eating out every night of the week, but also not eating boxed noodles for dinner every night (not meant to be offensive at all; eat what you like!). Working in the northern part of Ontario is known to be very, very lucrative for new graduating dentists; some of our classmates do that for a 1-2 years and make a killing doing that; heard of people paying off their loans in 2 years doing it. Everyone's different. But also don't work yourself to death. Breathe a little, life is short.
  7. So I stayed in my hometown Windsor for my undergrad. I'm saying quite the opposite, most people that wanted an 'easy program' wanted to go into a program with more laid back people so they can get high GPAs. I actually chose Windsor over UofT for both the reasons of saving money at home and being less 'competitive'.
  8. Go to the cheapest option that you think you will excel in and enjoy the most. Stay home if you can/want to for your undergrad, save up as much money as you can - but still go out and enjoy the things you want! Keep an eye out for requirements for certain courses depending on which school you want to pursue your dental training at. That would be my advice, instead of going to 'feeder' schools/programs just because it's easier. You've got a 96+, you seem to have the work ethic for any program. I took biochem; people seem to think that it's one of the hardest programs to do well in. It was hard, but not impossible at all. I enjoyed it! Stayed home, came out of undergrad with a bunch of money saved up from working in the summers and scholarships that covered more than my tuition. It's a lot less stressful having half the loans of the average dental graduate. My $0.02.
  9. Here you go boss; I won't name anyone in particular from the council, but try emailing DART they can give you the inside scoop. These aren't just DDS/phDs though but the council has a couple of those guys/gals. https://www.schulich.uwo.ca/dentistry/research/dental_academic_research_trainees_dart/index.html
  10. Not worth my time. I'm more professional than this. But you don't sound ok. If I can get under your skin with 2 sentences, toughen up butter cup! Dental school and patients will eat you up! But all I copied and pasted was something stating what you wanted is currently not being offered... You can expect a phD stipend of course, but not one during the dental school years - sure you can continue with summer research its $5000/summer fyi. Ask me how I know
  11. Language. Profanity won't get you anywhere^ Good luck changing the way the program is set up though!
  12. "DCS students are expected to complete their PhDs within four years. Under extenuating circumstances, and following consultation with the PhD supervisor(s), the Chair of the Admissions Committee and Assistant Director (Research) may agree to extend this period by up to two years. Students in the DCS program will only be admitted to the DDS class if all requirements of the PhD degree (including thesis examination and oral defense) are completed by the end of July of that year. (SGPS allows a defence to be successful only if the minor corrections to the thesis can be made in less than two weeks.) This requirement is necessary to allow the Dental Admissions Committee to finalize the list of the incoming class. Admission into the DDS component of the DCS program is dependent upon successful completion of the PhD degree approved by the Research Committee." Literally from their website.
  13. By the end of the 4 years, I can safely say that some grow to love it even more, some remain enthusiastic, some are neutral and a select few are a bit bitter. It's a wide spectrum of responses you could get to this and like someone above mentioned: it can be selection bias as well. I don't think I'll get bored of practicing dentistry anytime soon - and I tend to burn out my hobbies pretty quickly. If you're passionate about it... you'll feel it every single time you finish up clinic. PS: first year of dental school sucked. Then it got better by second. Third and fourth years were great. Why? Because you actually do dentistry.
  14. Yes.. *very* interesting Hope the lot of you had a somewhat relaxed and informative day!
  15. ^ to make sure nobody is interviewing on your behalf. It was interesting sitting across from some of the prospective students...
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