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Everything posted by rmorelan

  1. Happens to be from my school - but it is response to others to have similar concerns. http://www.cmaj.ca/content/canadian-program-directors-have-zero-data-select-residency-candidates Canadian program directors have zero data to select residency candidates Matthew D. McInnes, Associate professor of Radiology and Epidemiology, University of Ottawa, The Ottawa Hospital Research Institute, Ottawa, Ont. 11 April 2018 I share Dr. Persad's concern. I supervised nine CARMS matches as diagnostic radiology residency program director in Ottawa and it was plainly obvious that the lack of objective data with which to evaluate candidates is at the crux of a deeply flawed system. Good research(1) has identified that objective data (medical school marks or examinations) are the only reliable indicators of success in residency. Canadian program directors presently have zero objective data to use to select candidates. We are, as far as I am aware, the only system in the world that has both an entirely pass fail system combined with lack of standardized examinations (the LMCC examination is done after Carms). This frustration from students (subjective/ vague criteria) and program directors (lack of useful data points) comes up year after year(2). Until Canadian Medical schools and the LMCC rectify this by moving the LMCC to third year (for a four-year program), or return to an objective, marks-based evaluation system, these frustrations will not subside.
  2. it is a good rant ha - and just to say it again I see that sort of stuff all the time as well. Honestly there were probably 3 examples that would fall into that category last night on call alone.
  3. yeah the disability insurance has nothing to do with the LOC. I have run into people that get disabled as residents or medical students - MS for instance. Out of the blue they basically cannot work again in their area. That is the point of disability insurance. Stuff like that happens, and it is logical to take steps.
  4. I mean at the end of the day if you are told not to do something, and you keep doing it - particularly at a institution built on trust etc like a bank they probably will be issues long term Nothing stopping anyone from asking, but the same package information seems to be coming from multiple sources (well beyond the two people here etc). There is no "risk" to any particular med student in asking of course.
  5. rmorelan

    Taking 300-level courses in 4th year?

    they do that because at most places 0.5 credit course is a semester course It is confusing but most people really do only 5.0 credits per year (note they don't say course, they say credit everywhere). A standard degree is only 20 credits. and yup it is universal in Ontario (and well for the most part everywhere else as well)
  6. rmorelan

    Taking 300-level courses in 4th year?

    yup that is what I mean Schools don't think on the semester level - is it almost always on the entire standard year level (Sept-Apr). There actually is a historical reason for this - our system is in part based on the US system (GPA is a US created tool after all), and at most old school style colleges you don't have semester courses. They are one entire year long - which is why on TV if someone is complaining about midterms that is actually someone complaining about the equivalent of our final exams in the fall. It is why our courses are 0.5 credits - rather than 1 credit which would make more sense here.......
  7. ha ok that is a bit more expensive - probably getting into the range of concern
  8. or (heaven forbid ha) you can pay the 39 dollars a year for the momentum card if you are extremely passionate about having that. To put it in perspective I generate with all the major purchases required in residency (mostly conference and exam fees - those are annoyingly high ha) well over $200 payback a year on that card and I am I think rather frugal. I would consider paying for it because I would still be out ahead - well ahead. Moving forward I am considering dropping the momentum in favour of their standard package because as a fellow I will doing a lot more travel. I am all about being organized and maximizing things here - but of course have perspective as well
  9. well sure but I think the fact that it was still possible was the real reason people were just not that considered. My fear is that some point it simply WON'T be possible the way we are going - we are supposed to look to the US of exactly how not to do this. We even have Quebec as a model in Canada where it is done differently. Interest rates will rise at some point - they are roughly 1/2 of historical values now. This could be messy.
  10. They are not - and that is the basic problem. We have off loaded the issue of "how will we pay for this" to private corporations instead of creating an accessible medical education system. This has worked as long as the interests are low and no one has complained because they are just grateful they got in. Everyone ignored this completely - and not just medicine, but all the professional degrees.
  11. yeah I think it basically was the banks saying - look we don't believe things are as risk free as you are making them out to be so we are not dropping this rate the full amount you are. Kind of a unique situation because the rates were so low for so long. The prime -0.25 does just restore to almost baseline
  12. sorry I meant you can get disability insurance as a medical student
  13. ok that last point about life insurance makes no sense to me - for one thing I had it since second year, secondly you can even get it for free as a med student from the OMA. (what bank was this? That is bad advise). Your LOC would be dumped onto your estate technically. Your spouse isn't automatically responsible for you individual debit either. You can make him/her directly the beneficiary as well (ie not putting the debit on your estate). Some of this can be complex which is one of the reasons you need good professionals for things like this
  14. Not life insurance unless there is reason in general for their estate to have a sum of money left over after they die. Say they have a spouse or children for instance. The debit belongs to you and no one else - if you die it doesn't get "dumped" onto someone else (some times people think their parents etc have to pay it). That isn't the case. Now disability insurance and possibly critical illness insurance is another matter. Once you get into medical school the major although rare financial risk is that you become disabled and unable to work. Many people do have as a result disability insurance (I have the max amount as an example) and sometimes critical illness
  15. which is two years - so it would very rare that you don't have a position by then.
  16. rmorelan

    Special Student Status and 3/5 Rule

    yeah it is kind of interesting - I mean they don't actually way anything about the 3/5 rule being applied in that 5th year (although I have had some people say they believed the office said it did (notice the very long string of 3rd party information there ha). In theory that means if you pick the right 2nd year courses you could end up with no senior courses in a special year at all. However like any special or usual stats for any of the schools I would go over the plan with them prior to doing anything - you don't want to waste your one and only special year etc
  17. rmorelan

    Taking 300-level courses in 4th year?

    ha, yeah - there are often competing forces. I still think it is useful - I have seen some worst case stuff were someone realizes they aren't going to get the GPA they need and will have to a 5th year (note, that isn't a special year as those are after graduating) - they can still use the 3/5 rule to spread things in response even diluting some harder courses along the way.
  18. rmorelan

    Taking 300-level courses in 4th year?

    What I mean is if you are taking say 10 standard run of the mill courses in the year then in years 3 and 4 (and beyond I suppose) you need to have 6 at the 3rd year level or above. You are doing four courses that are above the 3rd year in the fall it seems. In theory that means you would only need 2 more of them in the Winter to hit the quota. Sometimes stuff like that can matter - maybe you see a bunch of 2nd year courses that would boost your GPA in the Winter (or first year ones for that matter). It also means that if you say had to drop one of the senior courses in the fall you can potentially correct things in the Winter (in that case you would need both 6 courses where 3 were 3rd year or above - but if you stacked the deck with 3 easy first year courses than maybe that would be possible). Ha, the idea is to exactly where you might have flexibility you could use to your advantage.
  19. rmorelan

    Taking 300-level courses in 4th year?

    completely fine - actually technically overkill and would give you a lot of freedom in the second term. The 3/5 rule overall for the year, not by semester after all
  20. rmorelan

    Taking 300-level courses in 4th year?

    yeah, it is collective like you say - although right now the math is five 3rd or 4th year courses, no? Is that just for a semester or are they full year courses?
  21. rmorelan

    Physician political orientation

    I mean not that regulations are all bad either - the idea that growth at (almost) any cost is probably a bad idea. The US didn't have enough regulations on its banking industry in the last 2000s and almost destroyed their entire economy, and required massive government bail outs. There are ton of other examples where unchecked thing go to a far extreme much to the destruction of things. Captialism with its entire survival of the fittest model of things does seem to include natures rather dramatic cycles (feast and famine cycles) - that might be best for the animal kingdom but at some point it isn't good enough for a society. Growth is a tool that achieves particular goals - the question I think with all of this is what actually is the end goal then and keep that in mind.
  22. I think the term average is hard in this sense - I mean people have different backgrounds going in, and if you are going to get parental support it seems to be more likely in year 1 (people are still extremely excited about you getting in). That is why in part there is just a wide range of usage in year one, and end amount for that matter). Ha, it isn't a normal distribution to use the statistics term. Your listed expenses so far do not seem out of line with most other people. It isn't unusual to have people take the least amount out they ever do in year 1. Going 20-30K in on the first year isn't usually.
  23. yeah RBC is pretty good with keeping organized with that sort of stuff - I find I have to spend more time tracking down the adivsers from the other banks. They still have better or worse advisers overall (variability is a less with LOC in general).
  24. I mean their LOC wasn't known to be the best one other there (despite being MD F they had serious limitations etc) but it is interesting that that also talks about transfers as well. You used to have to be a member of the CMA to go through MD F so there was an extra cost I supposed there (reduced of course for residents and free for med students - still it was there in the background). This reminds me of those credit cards where you sign up and get XYZ for free - strong temptation to do it and then just tear up the card ha. People could join and then leave.