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Everything posted by rmorelan

  1. rmorelan


    hope you found out the answers to this you can switch historically in some cases (I almost did for instance). In terms of it making sense the question is do you do it then or do you do it in residency for instance. Arguments either way You have to meet the requirements for both the phd and md so both could use the transcripts for that etc.
  2. yes check with the office of course, always great approach to things. They have figured out ways of managing similar situations in the past.
  3. ah, that was a bit long but no worries let's see if we can figure it out - first off they will only take under their current rules your best 10 courses on your last year so if you are at 3.8 with that you are fine. They never do anything with a wGPA so that just doesn't matter. No where does it say you cannot take a special year after a masters degree. So to recap: 1) they will look at your best 10 courses in that year as it is overloaded 2) completely irrelevant 3) shouldn't matter either as per their policies. and absolutely contact them to confirm, and in particular to plan out that special year to make sure it will count (since you only get one etc).
  4. rmorelan

    Saudi Arabia to relocate students from Canada

    even in that on service time the don't have any less busy blocks? I am in no way claiming that they aren't insanely busy (particularly neurosurg) but there are usually still some still stressful times. Not off service but not all gen surg is as bad (some blocks seem to be routinely horrible, other types of gen surg weren't as bad. Plus clinic days and scoping days seemed better - perhaps U of T is particularly nasty though ha) Neuro and cardiac surg where the only ones I found that just went none stop endlessly at most places. Which is at least what people are expecting in them. Cannot imagine what that will be like with say 1/2 their residents gone - nothing left in the tank. The PARO contract I thought actually had the rules for extra call in special cases - everything is in there no(?) Not sure how they can get around that(?)
  5. rmorelan

    Saudi Arabia to relocate students from Canada

    In then the only protection here is the various provincial union contracts - and if those are applied perfectly your life would be a living hell for years. Yet we all agreed to them, because the promise of greener days in the future over pain now is the premed/med/resident moto. One in four call? with the option in the contract of in rare cases pushing it even higher in Ontario. Staying after every call shift until noon? No particular rules about when your day normally starts? When all of this is done whatever they do to the residents is exactly what they are allowed to do and what we agreed to (at least collectively). Not a big fan of workplace hour restrictions (because they are inflexible, it almost begs programs to push you to exactly the maximum, and those that they really are supposed to apply to are the one most likely to ignore them anyway - looking at you surgeons). Funny thing is in most programs even with punishing call there are still ways built in to help with that - sure in gen surg you can be hit with brutal acute service work for some time but you still have some blocks of clinic work, scoping, research or less severe types of general surgery. Internal has CTU and ICU which can be painful but there are various other blocks that are relatively lighter. Everyone knows that if you actually went indefinitely at max things would go off the rails - ha, and now more than ever having someone actually leave a program would just cascade the effect to be that much worse. There various ways of getting help - people have mentioned them - more residents, more mid levels, more fellows, get the staff involved somehow - but the almost universal feature of all of that is that they are expensive - or at least more expensive than now. Hospitals aren't exactly in good shape money wise right now - one of the reasons they had these other trainees in the first place.
  6. rmorelan

    GPA/MCAT question

    sure unless you picked up another one to replace it. Some people even enroll in a easy spare course if they can just avoid missing the rule
  7. wow that is huge - something is really off there and obviously a huge hit on the grant part. Did you talk to your loan officer?
  8. Yeah don't try to fit that in unless asked - it won't help you and actually will reduce you chances of getting a good score on the question as you have wasted space. The why you want to be a doctor question is actually relatively rarely asked ha.
  9. rmorelan

    GPA/MCAT question

    Hey there! 1) OOP applicants are the same as most people in Ontario as well - it is more that there a very local area in Ontario that has an advantage called the SWOMEN area. Those are last years cut offs which may or may not be the same this year - there is limited stability with them ha. It is possible CARS will be lowered but there is no way of knowing that or how the ECs are used this year - some people have mentioned they will not impact the cut offs at all RE the office but of course there is nothing official. In the past MCAT and GPA were factored into the calculations post interview but how exactly is also not revealed to us ha (Historically it was 25% GPA 25% MCAT and 50% interview but that is rather old information at this point to say the least). Still people get in all the time with a range of MCAT and GPA scores above the cut offs. 2) that sounds like that year can be used as one of your 2 years used in the GPA calculation
  10. rmorelan

    Physician political orientation

    that's true - although that all doesn't go back to the province, and it is also true for a huge number of other people ha.
  11. rmorelan

    Physician political orientation

    hasn't just been the left wing govs ha - there has been a slow progressive decline in health care funding relative to inflation for 30 years even while it has increased as a proportion of the overall budget. Health care represents almost 50% of the provincial budget in Ontario, and doctors command if I remember just over 10% of the budget out of that. That is a bit more than is spent on post secondary education to put it in perspective. Health care costs are also rising as a fraction of overall country GDP. the problem is that health care cost rise faster than inflation, so in the long term we have some tough decisions to make. Makes sense - usually things stay the same price or fall over time as we become better at it but that assumes the underlying technology isn't changing. In medicine is constantly changing and getting more effective at the cost of rising expenses. Right wing, left wing, centralist......doesn't matter really, the underlying problem remains - you have X costs, Y revenue and X>Y and X will continue to grow faster than Y. Now there are always things to can do to make things more efficient - and we should with the administration being a common target there. Doesn't change the fact that costs are still rising faster than inflation and thus the tax base that support the entire system - so in an sense slows things down but doesn't change things. Ha, I would still argue it isn't "evil" to them - that implies a passion and deep anger about. To them doctors are just a large line item on a budget that has to go down, and a large potential tax revenue source. They have to reduce costs, and we are an easy target because for the most part we really don't fight back - same with the greater than inflation increases in post secondary education going back again 30 years over multi governments in multiple provinces - another easy target. Some of those private health care clinics are just flat out breaking the law and I don't think their primary goal was to help people - these are very profit driven personalities here. That isn't evil either mind you ha
  12. rmorelan

    Saudi Arabia to relocate students from Canada

    true - we also wouldn't be able to do it without also opening it up as well to anyone else internationally trained to apply. and often these students are not rich - or rather their parents aren't. Not what most people think of as being rich at least - they are usually more well off professionals that are willing to dig deep to pay for their children's education. The funding is still a huge strain, and paying another roughly 500K for a 5 year residency (which is less than the sum of what the schools get and the salary for Saudi residents) is a huge financial cost.
  13. ha yeah sorry - typing too fast over here. it isn't all that different than a standard 3 paragraph essay in high school Sally would be an amazing doctor ! because she is compassionate, hard working and a skilled at academics. I have seen her being compassionate ....... I know she is hard working because...... She is great at academics as seen in I full support Sally's application to med school........ and so on.
  14. usually a full page to a page to at most two I think is the norm paragraphs are arranged in themes, and each paragraph can have one or two solid examples. Something like 3 of those paragraphs wouldn't be unusual. all of this is a bit rough as there is room for personal style
  15. rmorelan

    Physician political orientation

    or the other 0.01% the other way that are opening up private clinics and going to court to try to keep them Messy either way. I wouldn't call the changes "evil" more that we agreeing to some of them in liu of fee increases simple stupid. Honestly I blame us more on that one than the government.
  16. rmorelan

    wGPA rounding?

    maybe they changed it - when was that? Considering the GPA is comprised of 30-40 courses give or take, and the GPA scale is at one decimal place you can see why rounding out too far starts getting a bit silly. Well at least in my opinion
  17. rmorelan

    question about mcat? ^_^

    yeah this is probably going to be something you learn about during your full practise exams (which is why you have to take them as full exams in my opinion - part of mcat training is practicing dealing with an exam which is very long relative to anything else people have had in the past. You cannot train for a marathon by running sprints over and over again).
  18. IMislove is correct - the use the cut offs to reduce the pool down to size. It is kind of a reverse situation than other schools - most of the time you are working to hit a level that gets you an interview. Here the school is working to create a cut off to only interview roughly the same number of people. Ha, If only 450 applied to Western for some strange reason then in theory they all would get an interview.
  19. It just delays it. Fellowships don't count towards the total.
  20. rmorelan

    Working as a FM Doc vs owning a FM practice?

    although I should point out that with doctors who actually plan this out, you probably won't actually be in a lower marginal tax bracket in retirement (unlike most people). The usual rule for retirement has been something like 60% of your working income is what you will need - the drop is from the fact your house is probably paid off, your kids are probably through school if that is a factor, and you don't need to save for retirement because you are retired etc etc. For a say a surgeon or internal medicine doctor 60% is still over 200K yearly which is the highest marginal tax bracket. Point is your average rate will be lower still in retirement but the effect is a lot less than someone with a lower income in their working years but still a 60% fraction in retirement. Also you can of course live very well on a lot less than that ha. Potentially then retiring sooner. I know doctors that have rapidly got to the point where they live of their savings retire very early or go rather part time. By rapidly I mean in their 40s (and early 40s at that).
  21. you aren't ha It isn't a particularly popular program as a result although I appreciate the effort.
  22. they apply their rules as stated - they don't use overall gpa in any fashion All the schools are similar - there is no need to go outside of their rule set when those are already restrictive enough
  23. it is a cost analysis thing I mean first off how much would your OSAP loan be? The value of the program per person really depends on that. Next what specialty are you going into as they have different job markets. The price you are paying is the restriction to say in Ontario so what is the realistic chance of a good job in that area? Once you have that you can go over it - for many people the program is not really worth it as the interest saved is relatively small and the ability to 100% predict where you should or will end up is a challenge.
  24. sounds like it would work as long as they aren't actually considering you one - which they probably won't because for one thing it is way more expensive.
  25. rmorelan

    Working as a FM Doc vs owning a FM practice?

    hey couple of points ! first off any money you leave in your corporation is equally going to be taxed when you take it out. It is exactly the same. If the RRSP is pointless then so is every major tool the doctors have for saving for retirement. I would have to disagree with that if for no other reason than it is depressing to think that way ha. second they actually won't lose 24K in income under that model. Just framing some of the numbers you present - they would earn 235K, put 24K into the RRSP, have 211K left which is then taxed. The resultant tax would be then depend a bit on the province but would be around 79K leaving about 131K to spend. The 24K would then grow in the RRSP tax free for say decades when you are starting out - say 30 years, during which on average based on historical norms it would be worth say 8 times that or now 192K again give or take. The fact that it grows in a tax free environment is huge - I would argue that as well as the relative tax immune corporation structure is exactly the point of why these are so powerful as it avoid drag on the compound interest. Now during retirement you take that money out but you are in a lower tax bracket because you aren't a full time doctor ultimately paying less tax (potentially - in any case it won't be higher as you are already at the highest tax bracket). Some of these will always, always boil down to political leanings and approach in our progressive taxation system - the more you make the more your pay and not in a linear fashion. That being said the idea that you can get to that level of income on your own is also simply wrong - I don't like paying 53% tax on my last dollar of income, but I am sure glad that the government paid the roughly 1.0-1.5 million dollars in total education cost to create me and that is beyond what I paid and I refuse to pretend that such subsidization did not take place, and that system is not all connected. In the end the government in Canada is also the source of all my income as a doctor and they want some return on their investment as well. There are many places where this model varies - the US where the cost of education is through the roof and many doctors actually make less suffering under high loan rates to boot, or say Europe where costs are even lower to students but doctor income is also lower (although they have full benefits, pension and so on in many cases). You could argue we are not that bad off at all here. Not to say things couldn't be improved of course with respect to government fiscal policy! I have to say reading their budgets each here is a bit of chore but you can see where most of where things are going. I will add that overall with proper planning and a good sense of the models out there, any doctor can end of quite well of even with the restrictions. Ha, I want to help people get into medical school, and also help them survive the experience, and have full knowledge of the opportunities once they are done - including the financial ones. It isn't a doom and gloom situation