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rmorelan last won the day on May 6

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About rmorelan

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    Was a computer programmer/project manager. Now a resident.

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  1. That would quite normal for them - they usually do go into the normal waitlist a bit.
  2. Almost always yes - only know one case where it didn't. Annoying as it is, it is often hard to move rapidly through the list. Some people cannot be reached that easily (even though many are glued to their phone). Plus they have to be very careful doing it - this isn't the time to be making any mistakes.
  3. I have never seen them working on the weekend - probably things would pick up on the Monday I am guessing at this point. Longer than expected wait! Hopefully again some people have shifted to other schools which would help.
  4. Not just like that but many school have bursaries for medical students - and those bursaries require evaluation of income - so you could lose money in Ontario say on OSAP and then lose money again on bursaries because you were over a thread hold of income. I even had on bizarre situation where the combination of both resulting in a net LOSS of total money by working at one school. This is where you NEED on the ground information from other senior med students. What are offered, when, how likely are you to get it and what exactly is the criteria. You get to use your premed mind once again with its obsession with rules ha to learn and use the school's rules to your advantage. Not be afraid to push for what you can - after all there is an extremely high chance the school will in turn be going after you for the rest of your life to donate to their cause. It is almost more of a loan in a sense.
  5. yeah that is big problem too - some standardization would be more than welcome
  6. ha, in your case then you would appreciate even more the time sensitive nature of things I was similar - was working for quite some time prior to medical school. It was an opportunity (these breaks) to cross a few things off the master list of life experiences
  7. Yeah that is the other thing - you have to really careful with the student aid because you can literally be 1:1 cutting down the bursaries you can get in med school by having a job. Literally wasting your time.
  8. yeah I mean I think everyone here knows I am a pretty frugal kind of guy but..... Seriously - you have this summer, and depending on the school summers after first and second year - both of which you could and maybe even should be working on figuring out the specialty of choice/research etc depending on what you are going for etc, and lastly the 6 weeks post graduation before residency where you have to move potentially. Nothing, no other time, is as free as this point is. You may honestly not realize even how special it is because well you have had summers pretty much your entire life until now - you may have needed to do something in them but you had a lot of flexibility in that regard compared to the future. That is about to change. So time wise that is it. Seriously that is it. After that you will have at most 1 week off at a time in residency for 2-5 years with important things to do during them, and 1 week off at a time at most for your fellowships if any. After that any time you take off will cost you income and you will have pressures coming at you from life - getting into your partnership or starting your practice is consuming, starting a family perhaps, you may have staff that work under you that need to be paid etc, investing for the future................ You will have vacations of course but it would be unlikely any of that would be continuous free time without responsibilities. To get more you would always be sacrificing something. But now, right now, you don't have those things to worry about. You have 2 maybe 3 months or so with nothing in particular you have to do, and if used well an LOC that could potentially support any such thing, and a wide world of things you could potentially do. You very likely will never have such a time again. Is there something you always wanted to do but haven't yet? Tick toc................
  9. sounds like a good plan don't stress out too much about the summer before - I posted a few times on that. I want to remind people they have really only a few remaining large blocks of time (1-2 months) of freedom left without serious consequence until basically retirement (maximum of 4 actually to be exact). I would urge you not to wasted them. Plus there are exactly two of them that don't have stress on them to do something else relevant to your training - this is one of them, and it happens to be the longest.
  10. I am honestly not sure what that poll is for, other than pure marketing.
  11. sure - a say 240K mortgage is not that high so the stress test probably won't get too bad. You would have to prove you could pay roughly a 1500 dollar a month mortgage as I understand it.
  12. hopefully - although I suppose the longer the wait the better ha, in the sense that other people may be accepted elsewhere advancing people on Western's waitlist.
  13. rmorelan

    not sure what to do - give up?

    you seem to have turned things around, and now are on the right track - you need to continue to keep at that GPA and get those high grades like you did in year 2. Basically you are on the classic recovery pathway for a bad first year - which is a common occurrence to say the least.
  14. you can use your savings for the downpayment (ideally 20%) then get a regular mortgage for the rest. The effect is the same in terms of total debit but you have more flexibility as the LOC is still free. For doctor types the mortgages are often quite flexible (not quite an open mortgage where you can pay off whatever whenever but may let you pay 20% a year if desired.) I believe you are right on OSAP - they don't count your house as an asset.
  15. sometimes that depends on the relationship with the bank and school and how exactly the school phrases things (had one schools acceptance flat out state it was conditional for instance on certainly things that aren't available until later - as an example graduating. Officially then you are technically in limbo until then etc, but some banks go ahead anyway.)