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la marzocco

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la marzocco last won the day on November 25 2018

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About la marzocco

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  1. Hey there, there are many great things going on for you! Let's first not lose sight of that - you are now a licensed OT and you are starting a family. These are all great things. I understand where you are coming from in that you do not want to spend the first years of your marriage in medical school or in residency, but truth be told, you need to recognize that regardless of your age and life circumstances, your partner ends up "going" to medical school and residency with you anyway. They support you, they see your challenges, and they go through your struggles through the program, but just from a partner standpoint. Enjoying the first few years of marriage is one thing, but make sure you don't deter yourself so early on in the game, because even if you did go to med school let's say 2-3 years earlier, you and your wife would still be juggling residency (+ fellowship). You still have 3-4 decades of working life ahead of you! There simply isn't the best time to one thing to be honest - doing med school in your early 20s is the most convenient, sure - but end of the day, you need to make choices and choices that sit well with you. You will get old anyways, time will fly anyways. As long as your spouse is on board and supportive of your goals - and you both are willing to make it work - I don't think you need to throw in the towel just yet. We also wish "timing was a little better", but I also think that this moment is all we have, so make the most of it. There is no best time for anything. That said, there will be financial penalties - like lost income, opportunity cost, and your spouse may need to do some lifting in the interim (+ LOC debt). You and your spouse need to have an honest discussion about this, especially if you plan on having kids during medical school. There are many adjusted medical students who have families with kids. I am constantly so in awe at how able they are to cope with the demands of medical school - but hey, if there is a will, there is a way. The practical details are important, but just remember that time ticks away regardless, focus on what goals matter to you and your family Feel free to PM me.
  2. https://www.jobbank.gc.ca/marketreport/outlook-occupation/18196/ca "For Pharmacists, over the period 2019-2028, new job openings (arising from expansion demand and replacement demand) are expected to total 12,500 , while 16,600 new job seekers (arising from school leavers, immigration and mobility) are expected to be available to fill them." Supply > Demand
  3. I think all schools including Quebec are now pass/fail. Sherbrooke was the last one to change I think a year or two back.
  4. Surrounding the surgeon period. Let’s be cognizant of implicit gender biases.
  5. https://www.jobbank.gc.ca/marketreport/outlook-occupation/18196/ca <-- some objective data for you. From my pharm friends, they noted that hospital pharmacist positions are very competitive - local Canadian experience (not necessarily Canadian education) is normally required for hospital pharmacist positions. If you are ok with community pharmacy, I believe demand > supply in non-metropolitan regions and provinces noted in the link above (like MB, NB, etc.).
  6. Quebec does not have IMG/CMG streaming, hence all positions are called competitive. IMGs apply to the same positions as Canadian graduates in all disciplines in Quebec. To do so, you must be pre-approved by la Conférence des vice-doyens aux études postdoctorales des facultés de médecine du Québec. You also need to contact CMQ to be granted for equivalence for your MD abroad. There are many unfilled francophone family medicine positions in Quebec in the past few years (like many many many spots). So I do not think you will have a problem matching to FM in Quebec if you are francophone, even as an IMG. Good luck!
  7. I was told that it will be interest-only payments during the 24-month grace period. Then it becomes a traditional loan, which can be amortized up to 15 years, if I recall correctly. There exists an option to maintain the approved credit limit as a revolving facility by converting to a professional LOC for business. Example: if your student LOC limit was $300K; and you only used $100K by the end of residency. You are obligated to interest-only payments on the $100K for 24-months post-residency. After the 24-month period, they then convert the sum into a traditional loan and amortize it over 15 years max. Since your original student LOC limit was $300K, you still have $200K of room left, that $200K can be converted to a professional LOC for business.
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