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Everything posted by striders02

  1. I also didn’t use verifiers in my BPEs when I applied a couple cycles ago and it wasn’t an issue.
  2. Hi all, I've included some context below but to jump to the question: when applying for summer research positions or residency, do the people evaluating the applicant ever check the contribution statements of the applicant's papers to see what their contributions were? As for context: I am fortunate to be an author on a paper that will soon be re-submitted. Currently in the paper's contribution statement, I am listed as having contributed to data extraction. Arguably, I may also be eligible for the category of 'contributed to data analysis,' as I made some figures/tables and did a decent portion of the number-crunching underlying various claims in the Results section. Personally, I don't care what my listed contributions are and would normally not raise the matter to avoid an awkward fuss. However if these contribution statements are checked when evaluating applicants (such as when I apply to residency) I may politely request for the expanded contribution. Does anyone know if these contribution statements are checked during applications? Or have any thoughts about whether I should request a contribution statement change, and if so how to do that etiquette-wise? Thank you
  3. Hi, Congratulations on the interviews. This happened to me last year. I had already confirmed attendance at Mac interview by the time I received a u of t interview. I filled out a brief U of T form (Iirc it was linked in an email they sent?) explaining the conflict and requesting a date change, which was approved
  4. Based on last year: U of T interviews come out in a series of waves spanning from ~January to ~March. Applicants who do not get an interview are notified of their rejection towards the end of that timeline, some time in ~late March.
  5. Thanks both! Lactic Folly, I browsed through the CaRMS program descriptions and I see what you mean, it looks like there's a strong emphasis on clinical skills-focused reference letters as opposed to research skills-focused reference letters. And thanks IMisLove for pointing out the networking/indirect benefits that research can provide.
  6. Happy holidays everyone! I'm an M1 with a couple questions about CaRMS that I haven't been able to answer through googling. I know it can seem gunner-y to be thinking about CaRMS so far out, so I should note that my more proximate concern is how important research is in the summer between M1 and M2. I feel that knowing a bit more about the CaRMS app - and what I should aim to have accomplished by application season - could help me figure this out. References: Should most/all reference letters be written by clinical supervisors, such as clerkship preceptors? Or is it desirable to have some letters written by people in other positions, such as research PIs? Additionally, approximately how many references do programs request? Research: Are there any stats about how much research output a typical applicant has at the time of application? Thanks very much!
  7. Using the examples/definitions you provided, I think a "situation" is more appropriate than an "experience." I wouldn't worry too much about the semantics though- the important takeaway is that generally the response should be based around a specific incident/acute scenario (or a few incidents/acute scenarios) that you were part of. It would be totally fine to base your answer around your experience of being a store manager, but when doing this you wouldn't just speak in generalities about the store's power dynamic, you'd illustrate the power imbalance through one or a few stories in which the power imbalance manifested itself (e.g. hiring decisions, division of tasks for store upkeep, navigating conflicts that arise, etc.).
  8. Thanks so much again everyone, really appreciate the help! This gives me a much better understanding of how interest is applied to the LoC Thanks for all your insight. I had a quick question about the compounding - if one has the ability, is it advisable to pay the interest each month, to prevent an 'interest-on-interest' compounding effect? In that case it seems the LoC interest would function as simple interest, albeit the simple interest would be applied on successively larger sums of money as one continues to withdraw from the LoC. Or is it standard practice to just do interest-to-balance transfers (in which case there is an 'interest-on-interest compounding) and pay off a larger sum down the road, when one has more income?
  9. Thanks very much everyone! That clears up a major misconception I had about the interest rate, I understand now that it's 3.7%/year rather than 3.7% every payment period. It sounds like interest is applied to the total funds withdrawn to date, rather than just the funds withdrawn during the current payment period. I'd like to get a sense of how much that interest can amount to over time. Could anyone let me know if the following looks correct? With the example of spending $20 000 for tuition, I now see that the monthly payment is $20 000*3.7%/12 = $61.67. The next payment period, interest would be charged on the $20 061.67, but I'll ignore the compounding effect for simplicity's sake. So another $61.67 would be charged the next month, and every month thereafter. The LoC remains interest payment only for 2 years after residency. Assuming 4 years medical school + 2 years residency + 2 years post-residency, that's 8 years of paying interest on this $20 000 expense. At $61.67/month, that comes out to $5920. Is it correct that when all is said and done I'd pay about $5920 due to interest on this $20 000 expense?
  10. Hey guys, I'm a bit unclear about how interest accrual works with lines of credit, especially about how interest accrual works over successive payment periods e.g. successive months. As an example, let's say in August I pay $20 000 for tuition using the LoC. The interest on this is 3.7%, and 3.7% of $20 000 is $740. Q1: Is it correct that I owe $740 in interest due to this expense, and this $740 is due by the end of the August payment period (or some similar timeframe, such as within 3 weeks of withdrawing that $20 000)? Q2: If I pay off the interest stemming from this $20 000 expense, and then in September I withdraw a further $1000 from my LoC, would the amount of interest I owe in September be based on my expenses in September alone ($1000) or the total amount I've withdrawn to date ($21 000)?
  11. GPA does still matter. Recently they released a video on Facebook overviewing the most recent application cycle, and stated the minimum GPA an applicant needed to be passed to full file review (barring extenuating circumstances). For undergrad applicants I believe it was 3.8-something? Can't recall for sure, but the info definitely is in the video
  12. Completely agree with ysera. I applied this past cycle to just about everywhere I met the cutoffs. Was very surprised by the results - some schools I thought I would be a strong applicant for rejected me pre-interview, while I was lucky enough to get interviews and even offers from schools I thought I had basically no chance at. Similar story with a couple of my friends who applied last cycle, too. Unless money is an issue, I'd recommend applying broadly, and certainly to U of T with a 3.87.
  13. Hey guys, quick, potentially dumb question about the Loc: Is it possible to make payments from the LoC directly? (Either large payments such as tuition, or smaller everyday expenses such as meals. )Or does one have to withdraw funds from the LoC, move them into a 'standard' bank account (e.g. a chequing account), and then pay expenses with that bank account?
  14. I think reference letters should speak to your overall quality as a candidate. There are some traits relevant to one's candidacy that are unlikely to be displayed in academic enivronmnents (e.g. U of T's 'advocate' cluster; so, things like community service, compassion, advocacy). It's definitely possible that academic referees could speak to these qualities, but it's easier to see how these qualities would come up during ECs involving community service or something along those lines. Personally, I'd be willing to sacrifice a bit of 'reference letter quality' to have a good breadth of competencies covered in my references. Especially because even if you switch one reference to an EC role, you still have 2 solid academic references - would the 3rd academic reference really have said that much that the other two haven't already covered? That said, that's just my two cents. Additionally, trading off reference letter quality for breadth is only a good idea up to a point- if the EC reference would be a lot weaker then perhaps the tradeoff isn't worth it. It's a tough call, but I'd lean towards diversifying your references unless the non-academic reference would truly be a lot weaker.
  15. I'd recommend a bit more caution. Medical schools *do* communicate with each other - for instance, in their offer letter U of T states that Canadian medical schools share acceptance data with each other, and warns that accepting more than one offer could lead to your offer being revoked. I recognize that your situation is a bit different (having been accepted to one, you're applying to another, not yet accepting another) but still might be frowned upon.
  16. Based on this comment, I'm wondering if I've misunderstood something about the LOC. Particularly, I'm unclear on how paying off the interest each compounding period affects the rate of interest accrual. As a hypothetical, let's say in one compounding period I spend $1000, which becomes $1037 after interest is applied. I then pay off the $37 in interest. In the next compounding period I spend another $1000. Is the 3.7% interest applied to the entire outstanding balance ($2000), or just the amount that was paid in the most recent compounding period ($1000)? In either case, the total amount of interest paid will be the sum of simple interests that were applied at the end of each pay period; in the former, (1000+2000)*0.037=$111. In the latter, (1000+1000)*0.037=$74. Basically I would have thought that paying off the interest at the end of each compounding period curbs a compounding effect.
  17. I don't think anyone can give a good estimate of your chance of receiving an interview if you apply, since it's so dependent on who happens to review your file and whether they mesh with what you wrote. However, your chance of receiving an interview if you don't apply is 0. I'd echo ysera's advice to apply wherever you meet the cutoffs, unless finances are a barrier. There's a lot of chance involved in this process, so schools that would be 'low-likelihood' on paper can end up giving you interviews while schools you were theoretically a much stronger applicant for will give the rejection. And as a peripheral benefit, the process of writing Western's supplementary essays will make you think deeply about your ECs and experiences, basically giving you a headstart on interview prep.
  18. I did not, nor did a friend of mine. So no worries it’s not just you
  19. Hey guys, I've looked through the major banks' LoC descriptions and am unsure of how to choose between the options. The different LoCs all have the same main feature, a ~$300k line of credit (more at Scotia and CIBC, but as $300k is more than enough, values even higher than that aren't a pull factor for me) at prime - 0.25% with interest-only payment until 2 years after residency. So should the decision be made just based on perks? Most banks offer the same types of perks (credit cards with point bonuses, chequing account with waived fees), and I find it difficult to compare perks across banks. For instance, banks differ in the number of 'rewards points' offered as part of their credit cards - but do rewards points at different banks have the same value? If not, then it seems the number of rewards points can't be directly compared across banks. Overall just not sure whether I'm missing something to inform my decision. Would love some advice as to: 1) Is there anything other than perks to consider when choosing a LoC? 2) How can perks be properly compared across different banks? Thanks!
  20. P.S., I should note, in order to submit the transcript request you have to first request it on the 'Transcripts' page then go through the Review & Submit process.
  21. For me, it took two days from submission of the transcript request to the status showing as received. A friend had the same timeline as well. The two days were both business days.
  22. Yeah. And Sunnybrook is definitely closer than NYG but further off the line, probably would have to subway to Davisville then take the 11 to Sunnybrook, so would be a bit of a trip. Edit: as keener12345 points out below, there's a shuttle that runs from WCH to Sunnybrook, so generally won't have to take TTC.
  23. Yep. One theoretical alternative, which I believe Waterloo does to account for variation in high school difficulty, is to track how matriculants from different schools perform in medical school and compare that to the stats they had as an applicant. If people from a certain program perform worse than would be expected given their entry stats, you can then adjust entry stats from that program. That method certainly has limitations though, and even more importantly it really isn't possible in med schools since grades are P/F (unless schools track grades internally and just dichotimize to P/F on the transcript).
  24. As of Dec 2017, all of these are US MDs that had accepted Canadian applicants in recent years and did not require chem: Mayo Medical College of Wisconsin Meharry NYU (Chem recommended) Oakland Tulane (Chem recommended) University of Virginia Vanderbilt (Chem recommended)
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