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beepboopbot

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  1. Like
    beepboopbot got a reaction from PotatoPotato in May 14 Countdown   
    Good luck everybody  
    Look forward to welcoming some of you to U of T class of 2T3 in August!!!!
  2. Like
    beepboopbot got a reaction from dinkaldoo in Official May 8 Countdown Thread   
    You know what’s another phobia I’m developing? Waking up.
    you know when you first wake up in those “idk where I am” first few minutes you reflexively grab the phone off the nightstand and check time and then suddenly remembering “OH MY GOD IS IT MAY 8TH” and cold sweat pounding heart realizing ok not yet and its only 6am and there are no more classes why don’t u go back to sleep you crazy nut
     
    That’s me every morning.
  3. Like
    beepboopbot got a reaction from lark22 in Lines of Credit for Medical Students (Scotia is the best option)   
    I contacted RBC and scotiabank recently and this is a comparison:
    1. Credit cards annual fee: both top of the line cards, mostly similar/comparable perks with Scotia having slight upper hand. Difference: RBC offered to waive annual fees for 4 years, Scotia for 4 years + residency + 2 year grace period. That, if RBC does not budge, is a ~$1000 difference (if residency = 5 years, annual fee $120-135).
    2. Credit cards welcoming points: RBC gives 30,000 with no strings attached (up to $700 value). Scotia bank gives $250 equivalent if you spend $1000 in first 90 days. That's a +$500 for RBC.
    3. iPad/points: RBC is offering the new iPad (with student discount and taxes in costs a little under $500) to NEW clients. It is essentially a perk for new customers opening the VIP banking account, not specific to MD students. It has strings attached, preauthorized payment etc. Easy to fulfill conditions for most of us. Edit: [not confirmed] actually, during the summer months, with similar conditions, at Scotiabank you get 10,000 rewards points or scene points, which would be $100 and 10 movies (~$130) respectively.
    4. Banking account: unlimited transactions + unlimited e transfers from RBC. unlimited transactions + 2 free e transfers/month from Scotiabank. Again, however, RBC is waiving monthly fees for 4 years of MD, Scotiabank for MD+res+2 years grace period. Another $1000 difference.
     
    Summary:
    RBC: +$500 (iPad) +$500 (diff in welcoming points)
    Scotiabank: +$1000 (saved in credit card annual fees) + $1000 (saved in bank account fees) + [not confirmed] $100 (rewards or scene points) 
    All of these are upfront offers. I'm going to negotiate with both.
  4. Like
    beepboopbot reacted to jesustakethewheel in Facebook group chat   
    Down!!! But it'll be very hectic with 200 people. We should organize something like a beach day and all hangout!
  5. Like
    beepboopbot got a reaction from Albs in MD Financial 2018 Backpacks?   
    please anything but the gray
  6. Like
    beepboopbot got a reaction from IMislove in MD Financial 2018 Backpacks?   
    please anything but the gray
  7. Thanks
    beepboopbot got a reaction from Galaxy123 in Lines of Credit for Medical Students (Scotia is the best option)   
    I contacted RBC and scotiabank recently and this is a comparison:
    1. Credit cards annual fee: both top of the line cards, mostly similar/comparable perks with Scotia having slight upper hand. Difference: RBC offered to waive annual fees for 4 years, Scotia for 4 years + residency + 2 year grace period. That, if RBC does not budge, is a ~$1000 difference (if residency = 5 years, annual fee $120-135).
    2. Credit cards welcoming points: RBC gives 30,000 with no strings attached (up to $700 value). Scotia bank gives $250 equivalent if you spend $1000 in first 90 days. That's a +$500 for RBC.
    3. iPad/points: RBC is offering the new iPad (with student discount and taxes in costs a little under $500) to NEW clients. It is essentially a perk for new customers opening the VIP banking account, not specific to MD students. It has strings attached, preauthorized payment etc. Easy to fulfill conditions for most of us. Edit: [not confirmed] actually, during the summer months, with similar conditions, at Scotiabank you get 10,000 rewards points or scene points, which would be $100 and 10 movies (~$130) respectively.
    4. Banking account: unlimited transactions + unlimited e transfers from RBC. unlimited transactions + 2 free e transfers/month from Scotiabank. Again, however, RBC is waiving monthly fees for 4 years of MD, Scotiabank for MD+res+2 years grace period. Another $1000 difference.
     
    Summary:
    RBC: +$500 (iPad) +$500 (diff in welcoming points)
    Scotiabank: +$1000 (saved in credit card annual fees) + $1000 (saved in bank account fees) + [not confirmed] $100 (rewards or scene points) 
    All of these are upfront offers. I'm going to negotiate with both.
  8. Like
    beepboopbot reacted to ScotiabankMedsAdvisor in Lines of Credit for Medical Students (Scotia is the best option)   
    I know it wasn’t suppose to take this long.  As I mentioned before I am impatiently waiting as well.  You would think me calling them every day  would speed up the process 
  9. Like
    beepboopbot reacted to rmorelan in Lines of Credit for Medical Students (Scotia is the best option)   
    Ha, you are keeping us in suspense! 
    I am still trying to organize a central place to store all the facts about the LOCs on the forum to make things clearer. Post exam I will try to pull every thing there. 
  10. Haha
    beepboopbot reacted to ScotiabankMedsAdvisor in Lines of Credit for Medical Students (Scotia is the best option)   
    This is correct I just can’t post specifics until the policies are updated.
     
  11. Haha
    beepboopbot reacted to ScotiabankMedsAdvisor in Lines of Credit for Medical Students (Scotia is the best option)   
    As well I don’t think I have met a med student that doesn’t go on a trip in the summer.  Also lots of online shopping is in foreign currencies.
  12. Thanks
    beepboopbot reacted to FlameGrilledChicken in Lines of Credit for Medical Students (Scotia is the best option)   
    So Scotia also gives the Amex Gold which would give another 150$ equivalent if you spend $1000 in the first 90 days. So the fees waived on the Passport Infinite and Amex Gold are about 240$ a year combined. The passport infinite also comes with free lounge access which has a value of about $260 per year. If you don't travel that doesnt mean much but we'll all have to travel quite a bit for electives+interviews later on and if you fly once a year or so you're still getting value. That adds up like you said. They also provided unlimited e-transfers when I asked. If I add it up that way Scotia would be +$1680 saved in credit card fees +$1000 (saved in bank account fees) + [not confirmed] $100 (rewards or scene points) + (alot of value with lunge access depeding on how often you travel)
  13. Like
    beepboopbot got a reaction from jumbocup in Lines of Credit for Medical Students (Scotia is the best option)   
    I contacted RBC and scotiabank recently and this is a comparison:
    1. Credit cards annual fee: both top of the line cards, mostly similar/comparable perks with Scotia having slight upper hand. Difference: RBC offered to waive annual fees for 4 years, Scotia for 4 years + residency + 2 year grace period. That, if RBC does not budge, is a ~$1000 difference (if residency = 5 years, annual fee $120-135).
    2. Credit cards welcoming points: RBC gives 30,000 with no strings attached (up to $700 value). Scotia bank gives $250 equivalent if you spend $1000 in first 90 days. That's a +$500 for RBC.
    3. iPad/points: RBC is offering the new iPad (with student discount and taxes in costs a little under $500) to NEW clients. It is essentially a perk for new customers opening the VIP banking account, not specific to MD students. It has strings attached, preauthorized payment etc. Easy to fulfill conditions for most of us. Edit: [not confirmed] actually, during the summer months, with similar conditions, at Scotiabank you get 10,000 rewards points or scene points, which would be $100 and 10 movies (~$130) respectively.
    4. Banking account: unlimited transactions + unlimited e transfers from RBC. unlimited transactions + 2 free e transfers/month from Scotiabank. Again, however, RBC is waiving monthly fees for 4 years of MD, Scotiabank for MD+res+2 years grace period. Another $1000 difference.
     
    Summary:
    RBC: +$500 (iPad) +$500 (diff in welcoming points)
    Scotiabank: +$1000 (saved in credit card annual fees) + $1000 (saved in bank account fees) + [not confirmed] $100 (rewards or scene points) 
    All of these are upfront offers. I'm going to negotiate with both.
  14. Like
    beepboopbot got a reaction from CanPreMed2018 in Lines of Credit for Medical Students (Scotia is the best option)   
    I contacted RBC and scotiabank recently and this is a comparison:
    1. Credit cards annual fee: both top of the line cards, mostly similar/comparable perks with Scotia having slight upper hand. Difference: RBC offered to waive annual fees for 4 years, Scotia for 4 years + residency + 2 year grace period. That, if RBC does not budge, is a ~$1000 difference (if residency = 5 years, annual fee $120-135).
    2. Credit cards welcoming points: RBC gives 30,000 with no strings attached (up to $700 value). Scotia bank gives $250 equivalent if you spend $1000 in first 90 days. That's a +$500 for RBC.
    3. iPad/points: RBC is offering the new iPad (with student discount and taxes in costs a little under $500) to NEW clients. It is essentially a perk for new customers opening the VIP banking account, not specific to MD students. It has strings attached, preauthorized payment etc. Easy to fulfill conditions for most of us. Edit: [not confirmed] actually, during the summer months, with similar conditions, at Scotiabank you get 10,000 rewards points or scene points, which would be $100 and 10 movies (~$130) respectively.
    4. Banking account: unlimited transactions + unlimited e transfers from RBC. unlimited transactions + 2 free e transfers/month from Scotiabank. Again, however, RBC is waiving monthly fees for 4 years of MD, Scotiabank for MD+res+2 years grace period. Another $1000 difference.
     
    Summary:
    RBC: +$500 (iPad) +$500 (diff in welcoming points)
    Scotiabank: +$1000 (saved in credit card annual fees) + $1000 (saved in bank account fees) + [not confirmed] $100 (rewards or scene points) 
    All of these are upfront offers. I'm going to negotiate with both.
  15. Thanks
    beepboopbot reacted to GTA Med Advisor in Lines of Credit for Medical Students (Scotia is the best option)   
    Be careful with that - depending on how many cards you open in any given period of time it could affect your credit score quite substantially. One of the factors that determines your credit score is the average age of your accounts, and if you start getting a new card or two every year it will bring that average way down. Your credit score is worth something in practice.
    Physicians have the option to keep these cards free with us throughout school, residency/fellowship, and also on an ongoing basis into your working career. The general public do not have this option. You can essentially keep these cards free with us indefinitely, I don't think other banks offer that though. 
  16. Thanks
    beepboopbot got a reaction from envisioning in Lines of Credit for Medical Students (Scotia is the best option)   
    I contacted RBC and scotiabank recently and this is a comparison:
    1. Credit cards annual fee: both top of the line cards, mostly similar/comparable perks with Scotia having slight upper hand. Difference: RBC offered to waive annual fees for 4 years, Scotia for 4 years + residency + 2 year grace period. That, if RBC does not budge, is a ~$1000 difference (if residency = 5 years, annual fee $120-135).
    2. Credit cards welcoming points: RBC gives 30,000 with no strings attached (up to $700 value). Scotia bank gives $250 equivalent if you spend $1000 in first 90 days. That's a +$500 for RBC.
    3. iPad/points: RBC is offering the new iPad (with student discount and taxes in costs a little under $500) to NEW clients. It is essentially a perk for new customers opening the VIP banking account, not specific to MD students. It has strings attached, preauthorized payment etc. Easy to fulfill conditions for most of us. Edit: [not confirmed] actually, during the summer months, with similar conditions, at Scotiabank you get 10,000 rewards points or scene points, which would be $100 and 10 movies (~$130) respectively.
    4. Banking account: unlimited transactions + unlimited e transfers from RBC. unlimited transactions + 2 free e transfers/month from Scotiabank. Again, however, RBC is waiving monthly fees for 4 years of MD, Scotiabank for MD+res+2 years grace period. Another $1000 difference.
     
    Summary:
    RBC: +$500 (iPad) +$500 (diff in welcoming points)
    Scotiabank: +$1000 (saved in credit card annual fees) + $1000 (saved in bank account fees) + [not confirmed] $100 (rewards or scene points) 
    All of these are upfront offers. I'm going to negotiate with both.
  17. Like
    beepboopbot got a reaction from Distancea in Lines of Credit for Medical Students (Scotia is the best option)   
    I contacted RBC and scotiabank recently and this is a comparison:
    1. Credit cards annual fee: both top of the line cards, mostly similar/comparable perks with Scotia having slight upper hand. Difference: RBC offered to waive annual fees for 4 years, Scotia for 4 years + residency + 2 year grace period. That, if RBC does not budge, is a ~$1000 difference (if residency = 5 years, annual fee $120-135).
    2. Credit cards welcoming points: RBC gives 30,000 with no strings attached (up to $700 value). Scotia bank gives $250 equivalent if you spend $1000 in first 90 days. That's a +$500 for RBC.
    3. iPad/points: RBC is offering the new iPad (with student discount and taxes in costs a little under $500) to NEW clients. It is essentially a perk for new customers opening the VIP banking account, not specific to MD students. It has strings attached, preauthorized payment etc. Easy to fulfill conditions for most of us. Edit: [not confirmed] actually, during the summer months, with similar conditions, at Scotiabank you get 10,000 rewards points or scene points, which would be $100 and 10 movies (~$130) respectively.
    4. Banking account: unlimited transactions + unlimited e transfers from RBC. unlimited transactions + 2 free e transfers/month from Scotiabank. Again, however, RBC is waiving monthly fees for 4 years of MD, Scotiabank for MD+res+2 years grace period. Another $1000 difference.
     
    Summary:
    RBC: +$500 (iPad) +$500 (diff in welcoming points)
    Scotiabank: +$1000 (saved in credit card annual fees) + $1000 (saved in bank account fees) + [not confirmed] $100 (rewards or scene points) 
    All of these are upfront offers. I'm going to negotiate with both.
  18. Thanks
    beepboopbot reacted to Eudaimonia in Lines of Credit for Medical Students (Scotia is the best option)   
    Yeah my advisor said because he applied for my Passport under the LOC plan, he couldn't set up this public reward. Not sure if you could ask to apply for the Passport under the regular program and then they waive the fee on top of that. If so I missed out ha, but honestly I'm feeling very self-conscious about further negotiations if it seems to be so much trouble for them.  
    Therefore I didn't get any other perks but the common ones, especially since I negotiated before this news that seemed to have increased the bar lol 
  19. Thanks
    beepboopbot got a reaction from runridge in Lines of Credit for Medical Students (Scotia is the best option)   
    I contacted RBC and scotiabank recently and this is a comparison:
    1. Credit cards annual fee: both top of the line cards, mostly similar/comparable perks with Scotia having slight upper hand. Difference: RBC offered to waive annual fees for 4 years, Scotia for 4 years + residency + 2 year grace period. That, if RBC does not budge, is a ~$1000 difference (if residency = 5 years, annual fee $120-135).
    2. Credit cards welcoming points: RBC gives 30,000 with no strings attached (up to $700 value). Scotia bank gives $250 equivalent if you spend $1000 in first 90 days. That's a +$500 for RBC.
    3. iPad/points: RBC is offering the new iPad (with student discount and taxes in costs a little under $500) to NEW clients. It is essentially a perk for new customers opening the VIP banking account, not specific to MD students. It has strings attached, preauthorized payment etc. Easy to fulfill conditions for most of us. Edit: [not confirmed] actually, during the summer months, with similar conditions, at Scotiabank you get 10,000 rewards points or scene points, which would be $100 and 10 movies (~$130) respectively.
    4. Banking account: unlimited transactions + unlimited e transfers from RBC. unlimited transactions + 2 free e transfers/month from Scotiabank. Again, however, RBC is waiving monthly fees for 4 years of MD, Scotiabank for MD+res+2 years grace period. Another $1000 difference.
     
    Summary:
    RBC: +$500 (iPad) +$500 (diff in welcoming points)
    Scotiabank: +$1000 (saved in credit card annual fees) + $1000 (saved in bank account fees) + [not confirmed] $100 (rewards or scene points) 
    All of these are upfront offers. I'm going to negotiate with both.
  20. Thanks
    beepboopbot reacted to ScotiabankMedsAdvisor in Lines of Credit for Medical Students (Scotia is the best option)   
    I also wanted to let everyone know we have some exciting changes coming to our plan in next couple of weeks.  I met with some of our VPs last night to discuss the changes.  I will post the updates as soon as they are finalized.  I am bias but I believe these changes will make the decision easy for the majority of medical students to choose Scotiabank.
  21. Like
    beepboopbot got a reaction from Butterfly_ in Post-interview feeling to result?   
    ok so an update. for me, the feelings from first 5 minutes after coming out of interviews were extremely accurate (5/5 schools predicted). But of course, after those initial 5 minutes, all went to hell and I thought I was stupid for each and every one of them, some more so than others, and those feelings were no where near correct.
  22. Thanks
    beepboopbot reacted to Edict in U of T vs. MacMed   
    If you don't have a good reason already to go to McMaster, I would choose UofT.
    1. 3 vs 4 yr curriculum - Unless you are rushing to get out, a 4 year program gives you time to explore specialties. Do not underestimate how tough a 3 year program can be on your wellbeing, doing med school without breaks is not without challenges and sacrifices.
    2. Mixed vs PBL - UofT has the better curriculum especially since it has updated it to include some PBL, the Mac pre-clerkship is essentially do whatever you want, very little contact time and very little direction, you don't know what is important or not important to study, people just end up reading Toronto Notes for tutorials
    3. Toronto vs Hamilton - Up to you to decide, but I would argue most people would do better in Toronto. If undecided, pick the big city, it is easier to leave the big city than to leave and come back.
    4. Research - This is the one area both schools are excellent in. Toronto has more breadth, but may be more self directed and hard to navigate due to size. Hamilton is insane in certain areas like clin epi, weaker in others but it is very easy to get research in Hamilton, very little competition
    5. Surgery vs Non-surgery - I've heard people say UofT convinces you to specialize, just by virtue of exposure to all these super sub specialists. However, if you are thinking surgical specialty, Toronto has much more support for that, from strong anatomy teaching to skills labs to SEAD to a longer surgical clerkship.
    6. Where do you want to be for residency? - If the answer is Toronto, choose Toronto, if the answer is Hamilton, choose Hamilton, if the answer is other, it is basically the same, although i've heard rumors that it seems to be a little harder to convince other schools that you want to go there as a UofT student.
    7. Culture - This varies year to year, but generally speaking Mac has a friendly and collaborative class, people share resources and advice and there is a bit of a "we are all in this together vibe" which may or may not have something to do with being a 3 yr program in a 4 yr world. Toronto, from what I hear is a bit more competitive, close within each academy but people tend to do their own thing.
  23. Like
    beepboopbot reacted to Lactic Folly in U of T vs. MacMed   
    I just wanted to say that I appreciate the frankness of the above post, given that the author identifies as a Mac graduate. Seems that most if not all of the important factors have been covered in this thread.
  24. Like
    beepboopbot reacted to m_jacob_45 in U of T vs. MacMed   
    Any school in Canada is great, but I would generally advise anybody to go with a 4 year program over a 3 year program, if they have a choice unless you are completely set on your specialty at this point. Specifically for U of T vs. Mac, you also want to consider if you prefer self-directed learning/PBL since that is the primary method of education at Mac whereas U of T has more of a mix of things. You also should consider whether you want to stay in Toronto or would prefer Hamilton (or whatever campus you're at for Mac). One benefit of Mac is that there are likely fewer learners at the hospitals you would be in so you might get better hands on experience through Mac. Ultimately, I would probably go with U of T in your situation (though I actually go to a different med school), but I'm sure people have things to add that might affect your decision.
  25. Like
    beepboopbot reacted to FromTheRexToMD in Official May 8 Countdown Thread   
    I JUST GOT IN WITH THE 20,000 SCHOLARSHIP!!!! I CANT FCKING BELIEVE IT
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