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Redpill last won the day on August 26 2016

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About Redpill

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  1. UBC has a Return of Service position for Derm - I still imagine it will be competitive, but it'll probably be a lot lower on most people's rank lists so if you are able to demonstrate a willingness to practice rurally for a few years you may have a better chance (note: this is speculation, I don't know how the residency evaluates applicants)
  2. I don't think Liberals will suddenly vote Conservative, but they may choose to stay at home on election day. Talked to a lot of disappointed people today.
  3. It sounds like they might be in the class of 2021 or later which is the first class with the 8 week elective cap. Doing an elective at your home school means you only have 3 away electives at other schools, would this be enough to demonstrate you’re willing to move?
  4. It's based on the province you file your taxes in when you are in school, because that's when you accrue tuition tax credits. So if you were filing your taxes in Ontario throughout medical school, you haven't accrued tuition tax credits since 2017.
  5. OSAP doesn't consider you common-law until you've been living together for 3 years, so I suppose if you didn't actually sign a marriage certificate until after you graduate you could retain the funding? Not really sure what else you could do as you do have to report to CRA your marital status. As an aside, CRA considers you common-law after 1 year, so you can claim your spouse and common-law partner amount and transfer your federal tuition credits at that point.
  6. It sounds like you are planning for worst-case scenarios, which is usually good financial planning, but I think you are going a bit overboard in this case. Tuition is not over $100k, even if you include the ~$10k extra that UBC budgets for CaRMS, it's less then $90k - see here: https://mdprogram.med.ubc.ca/student-resources/financial-support/cost-of-an-md-student/ And Vancouver is bad for rent, but not that bad - $2500-$3000 is the budget for a 2 bed, 1 beds are definitely lower than that. I know because I'm renting a 1 bed close to VGH right now. Half of that shouldn't be debt as well if your husband is earning an income. So $1250 x 48 months = $60k - this would be the higher end for you. I would consider re-visiting your calculations and assumptions. You will still be saving money by going to Calgary I think, but it is not going to be as much as you calculated. $70k would be almost quadruple one year's worth of UBC tuition, per the link above. EDIT: did you also factor in the tax benefits of living together as a married couple? You can transfer tuition credits + spousal credits because you don't make an income, which will give several $k back throughout your studies - not sure if you are eligible for these if you are not living together
  7. Your numbers seem high, average medical school debt is closer to $150,000 after 4 years. How did you reach $270,000? Also, if you are splitting rent with your husband in Vancouver shouldn't that be a wash compared to paying full rent in Calgary for yourself + full rent just outside Vancouver for husband?
  8. What are your thoughts on more men getting into engineering and tech?
  9. The complicating factor I think is our proximity to the US. We would probably be much more left-wing as a country if it weren't for their political influence, and the fact that as soon as we raise taxes too high and/or reduce pay people begin to seek opportunity south of the border. It happened with doctors in the 90s and I'd say its a huge problem right now with tech grads, who happily take their (taxpayer-subsidized) Waterloo degrees and go to Silicon Valley (admittedly not an easy problem to solve for government). It's not as big of an issue in European countries because Europe is farther away, and also more different culturally then the US. For Canada its not just a question of compassion vs selfishness. Capital is mobile, and that includes human capital. Tax too hard and no matter how good your intentions are, the country will suffer as the brightest move on in search of better economic opportunity. I also think its a mistake to take continued economic growth for granted, which many of the left-wing parties tend to do. Government programs can only be funded if you have a strong economy and growing GDP. Already Canada is looking like a terrible place for foreign investment thanks to Horgan and the Kinder Morgan fiasco, if you raise corporate taxes too high you deter further investment and stagnate the economy. Good luck funding healthcare and education then. Not that I'm saying that left-wing parties are too far left right now, or that anything they're currently suggesting will hurt the country significantly. But I think its foolhardy to think there are no consequences to enacting left-wing policy, and automatically assume everyone to the right of you politically is selfish and greedy (as many in this thread have expressed).
  10. Great point, why do we even bother paying people differently at all? Let's take it a step further and just pay everyone in society the same rate! Then everyone will be healthy, right?
  11. If we're throwing sweeping generalizations out there, should probably also bring up how whiny and entitled left-wingers tend to be as they try their hardest to take other people's money, all the while thinking themselves even more morally upright then conservatives
  12. Thoughts on this article? https://www.thestar.com/news/gta/2018/05/01/oma-apologizes-for-offending-indigenous-peoples.html Politically I think this will hurt indigenous relations with doctors in Ontario, but personally I'm glad they voted the motion down. I don't like to throw around buzzwords too often, but the Indigenous acknowledgement seems to me to be the textbook definition of virtue signalling - doing something not because it actually means anything, but because it shows everyone else how virtuous and great you are. Of course it was the Ontario Medical Students Association that moved the motion. Whoever said in the other thread about how they really just care about their image and are too quick to lend their name in support of every initiative that could vaguely be beneficial wasn't kidding. I guess its typical of student government but I was really hoping for more. Started a bunch of controversy for literally nothing. I do think there is a role for the acknowledgement in major events hosted by Canada or the provinces, but I'm starting to see it everywhere - I was at a documentary film festival in Toronto the other day and they said it before putting on the movie - and I think its getting a bit over the top. I think if Doug Ford came out strong and said how dumb it was that this was causing a controversy, he'd pick up a ton of votes. my 2c.
  13. Agree with your line of thinking. As an aside, and meaning no insult, I'm genuinely curious as to how her choice in pursuing a masters in history instead of medicine is treating her
  14. Why don't you encourage it then? All you are doing by bringing up prepping in every thread about casper is encouraging people to prep for it. This seems counter-productive to your goal of ensuring people are not ready. Honestly I thought at first you were purposely trying to pull some reverse psychology schtick to make people take it more seriously. Pretty stupid, tbh.
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