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Comprehensible

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Posts posted by Comprehensible


  1. 31 minutes ago, Frederick Sanger said:

    McGill has a 7% academic context of which people who do a Masters may get some of those points in their Academic file evaluation. 

    I think this must be very beneficial for McGill. I had a 4.0 and 528 and was still ranked over 100 slots down for the academic aspect - i can only assume that it was a lack of graduate degree that was the difference. 


  2. 8 hours ago, NLengr said:

    You'll be fine. A ton of people in my class started med school with significant undergrad debt. That's the norm in Atlantic Canada. All you Ontario and Western Canada kids must be filthy rich. :lol:

    Just budget and make sure you give yourself a cushion during med school. Try to limit frivolous spending (buy the cheaper scotch!) because you pay it back as a staff with a significant tax hit and interest premium.

    As an Ontario kid who was lucky enough to have no undergrad debt but who is currently living on the LOC - I’m sure the 30k/year tuition will help me catch up real soon!

    edit: Just double checked - Dal is way more than I anticipated (about 23k). I retract my joke. 


  3. 8 hours ago, JohnGrisham said:

    I have cheques attached to my LOC, and have auto-withdrawals from services like my rent and insurance coming from my LOC.  Why would i have use for cheques to my chequing account, when i don't have a single $ to my name that shouldn't be going to my LOC if i did :P

    Didn’t know that! I’ll look into it. Just hope they aren’t too pricey. 


  4. 1 hour ago, JohnGrisham said:

    Why aren't you auto withdrawing those expenses directly from your LOC? Literally the most logical step.

    I don’t think I can when I am paying with post dated cheque’s, can I? The cheque’s are attached to the chequing account, not the LOC. Scotia seemed opposed to the idea of anyrhing auto transferring out of the LOC into the chequing account. 


  5. 3 hours ago, xiphoid said:

    I got the Amex bonus points last year, as did everyone else I know who spent the $1,000 in 3 months. We were told that we wouldn't get it, but we all did. This to me sounds like your account was not set up properly.

    I keep all my money in savings/LOC. If I am about to write a cheque, I transfer that amount to my chequing account. I've had a bank account since I was 13, and I have never used overdraft in my life. It really isn't that hard... think of cheques like cash - make sure you have the cash before you pay. I really only use cheques to pay my rent and utilities each month, so it's not like it's a huge hassle to log into my account twice a month to transfer the money.

    Right I just have post-dated cheque’s for rent and auto-debit for insurance so sometimes I forget to move it before the 1st. It’s totally my mess up, but frustrating.

    if anyone has a good advisor who might want to look over my account, that would be great (apparently my original advisor has left anyways).

     

     


  6. 13 hours ago, xiphoid said:

    Are you sure your account was set up correctly? The fact that it was accruing interest at prime makes me question if your advisor perhaps did the set-up wrong. From what I understand, the Scotiabank/RBC overdraft protection should waive the $5 fee as long as you are not more than $5,000/$1,000 over, making it interest only on the overdrawn amount. Not completely sure because I've never used it in my life and I don't ever intend to, but I'd just double check your account is set up properly.

    I’ve tried to look into it but I’ve yet to speak to someone who could really help me.m make sure all is set up right - and ive tried calling the suppose reps in several cities and online. I also didn’t get the Amex points last year but I understand that was a bit of a mixed bag - seems like the welcome rewards this year are much better (I keep getting ads for the plan). I asked about it recently and was told that they don’t remember if there were points for the card last year.

    When I asked about the overdraft I was told that it’s “free” insofar as they waive the 5 bucks that are normally charged monthly as a form of insurance against overdraft, but if you use the overdraft then they charge you the fee (and I guess maybe I got unlucky and the time I got double hit was across 2 billion cycles). 

    Are you just super careful about your cheques to avoid the overdraft?


  7. 5 hours ago, xiphoid said:

    overdraft protection

    Just so everyone knows, the “free” overdraft protection from scotia is only free if you don’t use it. The second you go even 1 cent into overdraft, you get a 5 dollar fee plus interest. This is especially frustrating because there’s no way to auto-transfer money from the LOC into the chequing account for recurring expenses so that there’s money there for rent, insurance, etc. - you have to remember to do it manually (which I have messed up a few times). In one case, I had fixed the overdraft before I got charged the 5 dollar fee, so when the fee hit, I was “in overdraft” again and got charged the fee again... also double check your statements - mine was billing at prime instead of prime -0.25


  8. 8 hours ago, NLengr said:

    ROS agreements vary by province. The Ontario one is very very loose in its rules.

    Also, with the exception of Northern Ontario, what is called "rural" in Ontario would hardly qualify as rural in many other parts of the country. 

    Haha yes. Most of the province is considered “rural” and falls under programs like ROMP, ERMEP, etc. 

    If a city is in the GTA (Milton, Richmond Hill) or large enough to support an independent university (not necessarily a satellite campus) (Peterborough, Guelph, etc.) it’s not rural in my opinion. Despite this though, many people are only interested in living in 2-3 cities in the country, and define things as either GTA or rural. I grew up in an independent mid sized city, and we were hard pressed for doctors (like 3 months to get in to see your fam dr.) I’m starting to understand why. That’s probably why the ROS terms are so loose - those mid sized places need to incentivize doctors to come too, even if truly rural places need them even more. 

    As someone who is very interested in mid-sized cities (say 100-300k), it’s actually a little odd how centralized the medical system is. If I want to do any academic medicine, my choices in Ontario in that range are Kingston and maybe London. If I want to go literally anywhere else, I lose the option to do any research or teaching. 


  9. 3 hours ago, TClooney said:

    Did anyone get located at a campus that was not their first choice? Or does it just say unspecified for everyone that might be in this position? 

    I specified London as my first choice and currently have an unspecified location. Would love to go to London campus but if I can not guarantee that this will be the case I will be taking my offer with Mac, no offense to Windsor natives. 

    I was faced with this choice myself last year (between several schools that I considered pretty equal, but was given unspecified campus at Western). I was told afterwards that almost everyone who gets unspecified gets London eventually, but not before I had to make my decision. 

    Essentially, you have to decide whether what you like about Western (the 4 year program if that's something you like, etc.) outweighs the small chance you could end up in a location you aren't as big a fan of. These choices are super hard (I spent days deliberating), so don't rush it.


  10. 2 hours ago, blah1234 said:

    I think while rural Canada served a purpose in the past I think the maturing of the economy means that these rural communities are slowly becoming liabilities in terms of healthcare expenditures. 

    While I agree that it may be more expensive to serve people living in rural communities, I think it's a bit short-sighted to say that such communities no longer serve a purpose. Depending on location, these are the people who feed the rest of the country (and the world in some cases) and provide us with many essential resources that feed our economy. Also, while not everyone living in rural environments prefers them, some definitely do, and would be very unhappy in urban landscapes.


  11. Hey everyone!

    I'm offering MCAT tutoring this spring and summer (via Skype primarily). I scored a 528 on the exam, and am happy to help you with any or all sections.

    I'm currently a first year medical student and wrote the exam in the summer of 2017, so all of the details of the exam are still fresh in my mind :)

    Message me for more information!

     

    MCAT Score No Name.png


  12. I had 7 acceptances and 2 waitlists - making this decision was super hard, especially because after 9 interviews, the schools all kind of blurred together.

    I honestly couldn't find a lot of information online, so I decided based on where I wanted to live, and process of elimination. As mentioned above, 3 vs 4 year is super important, but otherwise I decided mostly based on things like "what size of city do I want to live in" "do I want to live a 5 hour flight from home, a 5 hour drive from home, or a 1-2 hour drive from home?" "How do I feel about the weather in Vancouver vs Edmonton vs Toronto" and so on.

    If you know people attending different schools, I'd also try to honestly talk to them about it - there are lots of things I've learned about my school that I had no idea about before (sorry, I'm not willing to share my school publicly).
     


  13. On 3/28/2019 at 10:21 PM, cleanup said:

    It's just me, but I eat well. I probably spend about $100-150 a week on groceries and then maybe another $100-150 a week or so on eating out. More if I'm treating other people.

    Fair enough! If you're happy with it, that's great :).

    From one of your other posts, I understand that you're currently a working dentist. Having income coming in would definitely reduce the stress about spending (it's no longer all going on the line of credit lol). That also explains why you're able to treat other people - I will admit to being confused for a second there. I'm kind of envious of how well you must eat - I used to feed 3 people on a budget of $275 a week and felt like we we were eating luxuriously.


  14. 6 hours ago, cleanup said:

    Kudos for the extreme frugality. I'm not sure where you live but I'm not sure I could live on $250 of food a week never mind $250 a month.

    Honestly it’s more about not wanting to spend the time to go to the grocery store than frugality, but its a nice side effect.

    I’m in a major city, but I have noticed food is more expensive here than it was in my smaller home city. It’s true that location makes a huge difference. 

    Are you feeding anyone else? Or just going through lots of meat? Or are you super busy and eating out a lot? 


  15. 2 hours ago, Eudaimonia said:

    Where did you end up choosing, Comprehensible? That seems like you're doing a great job on spendings, at least relatively to me haha. But I agree, money is meant to be spent to gain happiness, within reason. (I'm not saying happiness is only obtained from money either lol)

    Nice to see you around! I remember that we were both feverishly refreshing this site last year haha

    I'd rather not say which school I'm at (with all of these universities being so small), but I agree with all of your points, as long as it's kept within limits.


  16. 32 minutes ago, Thunderbirds said:

    Wait, what? Here I am trying to figure out how I can fit my groceries (and eating out) in $500/month. 

    If you add eating out, I’m around 115 bucks a month. I definitely spend less than most, which leads to less fancy food. 500 sounds like a lot though - I think an average number is around 250.

    I was lucky enough to have a good store of staples from my undergrad, so I use a lot of rice, beans, lentils, pasta, etc. which I rarely have to restock. I buy most of my vegetables and fruit frozen at Costco, and am happy to eat instant oatmeal for breakfast for a week straight. I also take my parents’ leftovers when I go home and they give me a little bit of some more expensive stuff like cheese when I see them, but I’ve only been home at thanksgiving, Christmas, family day and spring break so that’s not sustaining me full time.  I don’t buy any drinks: pop, juice, alcohol, etc. I often eat 2 granola bars and a pack of seaweed for lunch (not to save money, just because I dislike packing lunches).

    Finally, I’m a woman so I eat less than most men. I would also would rather lose weight than gain it, so I’m not going through as much food as some people do trying to put on muscle. 

    Edit: grammar, and also that being said, I accidentally bought a $15 spaghetti squash that I thought was 5 dollars last week, so I'm sure not perfect.


  17. On 3/11/2019 at 4:53 PM, cleanup said:

    I have 4 ways of grinding coffee and 6 ways of making it and have spent thousands and thousands on coffee gear. I'm crazy though

    It’s funny how we all seem to end up spending more than we anticipated. 

    I’m living on less than 1200 dollars a month for myself, but I also have a horse who costs me about 700 bucks a month. I love him dearly, but he’s hours away from me so I only see him on holidays. Unfortunately, he also has an injury which makes him un-sellable or leasable. 

    So, I spend like 90 bucks a month in groceries, have no car, and spend as little as I can. I could have gone to a school in another province for like a third of what I’m paying now, but I decided to pick a city I thought I’d like (and that I’d be able to get home from in case of emergency). Was it my best choice? I don’t know. But at some point, sometimes it’s worth picking happiness over money. 


  18. 10 minutes ago, sWOMEN said:

    What an awful year - barely anything left over in the 2nd iteration - can't wait to see the decimation when the full stats are released on the website; anyone know when that might be?

    Is there any chance the reason fewer spots are left over is because more people matched in the first round?


  19. 14 minutes ago, drang said:

    I would agree, wear pants and a blazer. I wouldn't recommend a skirt cause your legs would get cold. If you are looking for hotels, book the CanadInns inside the Health Sciences Centre. That's directly attached to the med school, so you shouldn't need to go outside. 

    True, although the staff at the hotel seemed super confused when I explained where I wanted to go, so make sure to scout that out the night before.


  20. I'm an MS1 at an Ontario med school. I'm considering EM, and want to try some research in the field, but I can't find any for the life of me. I left it a bit late because I was waiting for my school to send out the list of projects, but there are only 4-5 related projects, and I'm not getting a lot of response, likely because my undergrad research is limited to some volunteering, one 4th year project, and 1 poster. I'd be happy with either funded or volunteer positions. I've also tried emailing random investigators at a few different schools, but I'm still not getting a lot of replies. Does anyone know of any programs that I could try/have any advice? 

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