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Everything posted by Comprehensible

  1. I interviewed at Manitoba last year. I was wearing a 3/4 length blazer, and we had to briefly walk outdoors. It wasn't warm. Make sure you have full length sleeves!
  2. Awesome. Given the thin about extending the time before you become an independent student, I, and many other students, will not be eligible for OSAP for our first/second/in some cases 3rd year of medical school. I was lucky enough that I got some help from my parents through undergrad, but, very reasonably, am supporting myself through all of med school without help. I don't really want to put an extra 15k+ on the LOC, but too bad for me I guess...
  3. I told Scotia, and they said they would try, and sent some document in with the request. Haven't heard back on whether it is happening.
  4. Any sources on Scotia matching? I'm meeting to sign my LOC tomorrow, so if this is an option I should bring it up. Edit: I just did the math and the 0.05% only comes out to 50 bucks a year on 100,000. It may not be worth the hassle of renegotiating.
  5. Mine came out about 500 bucks less than expected, but nothing like that...
  6. The person I'm currently speaking to isn't on that list, but I believe I got to them through a referral from that list. They seem to know their stuff. I also spoke to someone who was on the list but didn't seem to understand my questions. Can you send me the details that you would send to someone who was purchasing the plan from you so I can make sure there are no contradictions?
  7. I just spoke with someone from Scotia who said basically that this is the normal procedure when the whole plan is set up from the beginning, but that they can alternatively set it up to manually waive the fees each year (which would give the bonus points). They said if they did this and then left the branch they can't guarantee the next person would waive the fees. @ScotiabankMedsAdvisor @ScotiabankMedsAdvisorLOC @GTA Scotiabank Med Advisor Can you clarify what is going on here? I'm pretty lost. Can you give a complete run-down of the plan as it should be, including cards, bonus points, how long you have to pay it off, grace period, conversion to professional LOC, and all other details? It's crazy that people are getting such different responses depending on their advisor.
  8. Welp that's concerning. I was trying to put together a really quick estimate of my total debt load (ignoring interest) after 4 years, which is when this came up. i think it was the long form? It asked me about my savings etc.
  9. Sorry to resurrect a dead discussion, but I'm a little confused about this. I was trying to figure out OSAP, and went into the estimator to try to figure out what I will get in my second year of med school, considering the fact that I will have all my income from my 4th year of undergrad + summer work. The first time I did it, I forgot to put my money earned in, so I went back and re-did it, adding about $20k in income. The automated number it spit out didn't change. Is the estimator just bad?
  10. Also are you talking about applying for grants through your school, or are there random ones online to apply for too?
  11. I just tried to look for a general Canadian medical student housing FB page so I don't forget in 2 years and didn't see one. Is this school specific?
  12. I'm super excited for Ottawa, but a little sad I don't get a red bag (favourite colour lol). Is there any difference between the 2021 and 2022 bags, or will they not be following the different colour each year theme?
  13. I had a 132, but still felt uncertain on a fair number of questions. It don't think anyone ever feels confident in the MCAT the way you do in normal tests - every time I wrote a practice exam I'd feel like I failed and then get like a 518-523. On the real thing, I had quite a few 50/50s in both CARS and psych/soc, plus some utter confusion in c/p and b/b, but still somehow did very well throughout. I think what helped me with CARS was just having a really strong background - a lot of reading, AP English in high school (catch-22 is WAY harder to read than any CARS passage lol), and taking a challenging philosophy course the semester before to tune up my skills. I also used a strategy where I'd pick which answer seemed the most right, explain to myself why it seemed right, and then go through and try to figure out what was wrong with all the others. If there wasn't anything wrong with one of the other options, I'd reassess my first pick. This led to quite a few questions where I felt like several answers could be right, but it let me see the strengths and weaknesses of each option so I could make an informed guess.
  14. Haha ya it takes like 10 years of experience in the regular military (the 5 the article mentions are very rare) before you can even try to go through the SAR Tech selection process, plus they're essentially advanced care paramedics, with high end flight training, rock climbing skills, remote survival capabilities, diving abilities, etc. Definitely the masters of SAR, the only real comparable individuals of whom I'm aware of are US rescue divers. I was suggesting more CASARA or coast guard/coast guard auxiliary for OP, although the ski patrol option mentioned above is also super cool.
  15. Some units do, some units don't. But they don't tend to be super active (maybe 1 search per year) as far as I'm aware. If you're interested in SAR, I'd look into marine/air opportunities.
  16. So I'm having trouble getting ahold of someone from scotiabank, and RBC wants to talk on the phone instead of in person because they want me to talk to someone where my school is, not where I currently live. Is there any point trying to talk to any of the other banks? Or are they way too far behind?
  17. So if I'm understanding this thread properly, Scotia is offering the infinite momentum and infinite passport, OR Amex gold and infinite passport? I haven't started talking to banks yet, but I want to start doing so. What are the other banks currently offering? I don't live in a huge city like Toronto, so it's a little harder to make sure I'm getting what I'm supposed to be. I want to know what's offered in case I have troubles finding an expert in professional lines of credit/the expert I do find is a little less experienced.
  18. Kind of a silly question: when choosing an advisor based on location, is this the location of the school, or the student's home location? I live quite far away from the school that I'm going to be attending, so I'd prefer to speak with bank representatives near my home, not my school (I won't be moving for several months).
  19. My city and the one I did my undergrad in aren't all that much larger than kingston, so that part likely wouldn't be an issue - but I'm not admitted there anyways!
  20. Is this not the standard? I thought you were able to explore whatever specialties interested you during electives. Man it is really hard to find information about this stuff. IT would be awesome if clerkship information about all the schools could be compiled as the websites tend to be a bit vague.
  21. Is UBC core before electives? How do I find out clerkship set ups? Edit: also, if people do have concerns about UBC as mentioned above, please contact me too
  22. Thank you! I'm definitely torn, and I will be giving up those spots for others on the waitlist soon. I think I'm mostly down to UBC vs Ottawa - the 3 year rules out Mac, the city of Toronto is pretty meh to me, I don't trust Western's "unspecified campus." Alberta wasn't originally high on my list, but its currently hard to discount, as 20k/year of savings is hard to turn down. My undergrad doesn't have a medical school, so those connections that you mentioned don't exist for me .
  23. I've recently received a number of offers of admission (many more than I expected - I might have over-applied a bit I guess). I'm currently admitted to UBC (Victoria), Alberta, Ottawa, McMaster (Hamilton), Toronto (St. George) and Western (Unspecified). I'm also waitlisted at Queen's and Memorial. I'm from Ontario. I'm currently leaning towards UBC or Ottawa. I'm not sure what to look at to make a decision about any school. I'm interested in quite a few specialties, and am open to exploring more, so I don't think that is too big of a factor in the decision. Here are my pros and cons: UBC: Pros: - Although I've never been, I've heard Victoria is super beautiful (it was my first choice of location for UBC) without the crazy costs of living of Vancouver, for example. - UBC is, I believe, one of the higher "rated" schools in the country (although I know Canadian schools aren't really tiered like they are in the states). - I love being on and around the water (although, admittedly, I'm more used to lakes than oceans) and Victoria would give me the opportunity to do so. - It's relatively inexpensive (17k a year instead of 25k for most of Ontario). - To my understanding, UBC has the "distributed campus" thing really well sorted out (better than any of the other schools I know of). Cons: - It's really far away from home - I don't know if I'd have challenges matching back to Ontario for residency if I chose to do so (undecided at this point - I know lots of people fall in love with BC and never move home). Alberta: Pros: - Very cheap (12k a year, but they also gave me a 3k a year scholarship, bringing it down to 9k) - Also one of the higher rated schools I think. Cons: - Same as BC, plus it's super cold and I'm not sure if there's much to do in Edmonton Ottawa: Pros: - Another really cool city with tons to do - I've heard it has a really nice mix of PBL and normal courses - I could try to regain the French that I've slowly been losing since the end of high school after my parents went to the effort of sending me to bilingual school as a kid Cons: - Also pretty far away - Expensive tuition - Cold Toronto: Pros: - Prestige - Lots of opportunities to see a lot of high end hospitals - Close to home Cons: - I've heard that the culture can be a bit toxic and the workload is higher than at other schools - The city of Toronto is... not my favourite. It's super busy, you can't really drive anywhere, and the last time I went for a half hour walk I felt like I was constantly about to be hit by cars. - I've also heard that because there are so many med students, clerks and residents, it can be hard to get any sort of hands-on experience McMaster: Pros: - Close to home - Some level of prestige Cons: - 3 year program - I'm not sure what I want to do - I'm not sure how I feel about basically only having PBL Western: Pros: - Close to home (if I end up at the London campus, which was my first choice). - London is quite a bit like the that I grew up in and the one that I went to University in - a nice mid-sized (aka population of 100,000-500,000) place with lots of green space Cons: - The unspecified campus thing - I'd rather not go to Windsor - The London campus seemed a bit worn down Western was in my original top 4 (UBC, Ottawa, Queens, Western), but the unspecified campus kind of dropped it down. If I were admitted to Queen's, I'd also strongly consider it (close to the water, really nice building, solid school in general) - it'd likely compete with Ottawa and UBC. Does anyone have any input? What else should I consider? I'm having trouble finding details about differences in curriculum, so if anyone can link me to them or explain the distinctions, that'd be awesome! Also - side note - how do I go about finding start and end dates for schools? I have to a) figure out how much time I need off at the end of the summer, and b) figure out whether I can go back to my current job (which I love) next summer. EDIT: Another question - can I use OSAP if I go to UBC? If not, am I eligible for BC student loans? It would suck to be without any sort of government loans.
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