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Human Being

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  1. Oh alright. So if I borrowed $10,000 in September and didn't pay that principal amount (10K) back for another 12 months I would be charged $370 for the whole year. But if I borrowed $10,000 in September and paid back that principal amount (10K) in October then I am only charged $30 in interest, since that balance was only there for one month?
  2. Also does anyone know how often interest is charged on the funds you borrow from your LOC? Let's say for example I borrow $10,000 from my LOC will I be charged 3.7% of that ($370) every month/day/week that I do not pay it back or is it just a one time charge?
  3. I'm leaning towards RBC but still not sure. Scotia: LOC limit up to 350K Prime -0.25%= 3.7% Full limit available first year Get 2 credit cards with $5K limit each and annual fees waived: Gold AmEx and Passport Infinite ; if you spend certain amount in first few months then get points ScotiaOne Chequing account: unlimited transactions, 2 free e-transfers a month, overdraft protection, free cheques Interest on funds borrowed form LOC is charged to your LOC so don't have to worry about transferring money to checking account Once you have graduated and the 2 year grace period is over you can either: 1. Convert LOC to Loan w/ payments amortized over 10 years 2. Convert LOC and to Personal LOC 3. Convert to Business LOC. RBC: LOC limit up to 350K Prime -0.25%= 3.7% Full limit available first year Get 1 credit card with $10K limit and annual fees waived indefinitely: Avion Visa Infinite ; get 45,000 welcome RBC points. Get RBC VIP Banking Chequing Account: can use any banks ATM, unlimited e-transfers, overdraft protection, 12 free bank drafts, cross debit free, free cheques, free safe deposit box. Have to transfer funds from LOC or elsewhere to chequing account to pay for interest charged for money borrowed from LOC Bottom Line: I think Scotia offers better credit cards, RBC offers better chequing account, RBC is more flexible with the repayment and says that you will have this LOC your whole life as long as you are practicing whereas in Scotia you have to go in and convert the LOC to whatever you want after. What do you guys think? RBC also has the best customer satisfaction rating out of the big five banks in Canada...Scotia ranks last.
  4. Thanks for the informative response buddy. Mind sharing what the bank has done to keep you happy all these years? What should I be on the look out for?
  5. Hey guys do you know if the LoC that Scotia gives converts into a loan when you graduate or does just become a different kind of LoC? Not as good interest rates etc...?
  6. Sounds great! Which advisor did you deal with, would you recommend him/her?
  7. Hey guys, just wanted to check which bank everyone is going with these days? From previous posts everyone seems to be a proponent of Scotiabank, are they still doing prime -0.25/0.5?
  8. Selections have been made, they are usually made at the end of May.
  9. If you've been accepted to all three I would go to McGill hands down. Tuition is significantly cheaper; 15K/year vs 50K/year, small class size of like 40 so it won't be as competitive and you'll get to know everyone in the class, Montreal is a beautiful city and a big city, McGill is a very well respected name if that matters to you (may help if practice outside of Canada?). You know there aren't really any drawbacks if you list 'French city' as one.
  10. Hey, I have a few questions: 1. As a Canadian dental student how hard is it to do externships in the US for OMFS? 2. Will doing externships in the US help my chances of getting into a OMFS program in the US vs doing externships in Canada? 3. Do you think it is worth it to do the 6 year program here in Canada, what exactly do you mean when you say it is hard to get hospital privileges here? 4. As a Canadian dental school graduate applying to OMFS in the US, do I have to write the USMLE? I've heard you have to write something called the NBME, isn't that just the organization that makes the USMLE? Which test do I have to write and is it the same test that I would have to write if I were applying to OMFS at Canadian schools?
  11. Got an invite on Monday off of a "waitlist" that didn't know would move. Guess somebody couldn't make it. OOP GPA: 91.6% AA: 23 PAT: 19 Casper: Felt okay for questions I answered but consistently only answered 1-2 questions for each section, slow typer. Unfortunately I was forced to turn down the invite as I dropped Orgo 2 (prerequisite) once they sent me the rejection in mid January because I was concerned about my GPA if I were to apply again next year. UBC was my number 1 choice, stupid mistake.
  12. So since the waitlist moved past March that means people accepted the offer, gave their non-refundable $2000 deposit, and THEN rejected their acceptance in favour of some other dental/medical school? That means people are leaving $2000 on the table? Damn.
  13. Accepted GPA with worst year dropped: 3.92 DAT: 23 AA / 19 PAT Interview: Felt alright, guess it was good enough. Curious that we have to accept/reject the offer by March 8th, I guess UofT wants you to be committed to them lol. Was this the case before as well? Because that leaves me wondering how the waitlist was moving from March-August in previous years?
  14. Honesty not too many people apply to dental school so there isn't really a demand for it, and if you look at the numbers dentistry is not that competitive when compared to medicine. For example UofT's dental school received 569 applications in 2017 and sent out 134 offers of admission, that's a 24% acceptance rate. In contrast, UofT's medical school received around 3000 applications in 2017 and has a class size of around 260 (I am being generous with these numbers here), that's a 8% acceptance rate. So if anything we need more med schools in Canada not dental schools.
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