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VivaColombia

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About VivaColombia

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  1. So then seeing these numbers with no vacation and pension per say (you make what you want of it). Purely assuming that someone who takes 400k pre tax working 5 days a week for most of the time (say 3 week vacation during the year), you'd have 200-250k post tax take home pay? And from that, you plan for your future pension, etc. Trying to figure out if medicine is worth pursuing (especially IM) but if those numbers hold up, would it be wise for someone to study medicine if they currently make low 6 figures, get a pension and have 3 week paid vacation (along with no school debt or mortgage)?
  2. Based on all this info, is it reasonable to have a take home post-tax income in GIM of 250K provided you gross 400K? And is there paid vacation/pension/etc. included in this or does that have to be accounted for separately?
  3. There is a loophole that exists at Scotia that allows advisors to waive the income requirement and issue these cards (visa infinite momentum, AmEx Platinum). I'm not going to openly explain this loophole but advisors know about it. Whether they want to give it to you is another side of things but I know advisors that have a personal relation to their customers use the loophole without hesitation. The only reason I know this is because I have 4 family members working at Scotia in the small business department and senior management. And frankly, Scotia doesn't mind since they have retained a lot of business over the years from the SPSP plan.
  4. Seems like this individual has a lot of money and time to spend....
  5. I've heard that PAs are regulated in Manitoba and Alberta, with Nova Scotia introducing a pilot program to have them expand their role in the medical field. I'm not sure if that means PAs will have more autonomy in the rest of the provinces like in the US? Signs are pointing to MDs facing more autonomy loss from PAs and NPs soon...and that doesn't sound appealing for patient care.
  6. Can you elaborate on the last part? Is it the fact that MDs have lost their scope of practice with NPs, PAs having more autonomy?
  7. Random question but how do vacations work? Is it tough to schedule it on short notice?
  8. IMO, that won't happen, unless overhead, taxes and other expenses start dropping. But the way things are going, labour costs are going up, taxes are going up, etc. Doubt any dentist would lower their fees across the board and even if someone did, you open the possibility of over treatment to keep the clinic running.
  9. And this is why the NDP have never formed government at the federal level. Free handouts sound good but how do you pay for them? Raise taxes, cut programs, etc. And what happens to those dentists who've paid 300k+ for the education and now can only bill a certain amount based on the governments fee guide. It's a recipe for disaster..avoid NDP/Greens at all cost.
  10. Can we all take a moment to recognize the brilliance of the Toronto Raptors winning the NBA championship
  11. Going rural doesn't necessarily mean it is a rewarding decision. Someone on this forum mentioned that rural and underserved areas are prone to saturation pretty quickly, especially if 1 or 2 dentists move into rural settings where the population is small and stagnating/declining. Also, not everyone can go rural for even a year or two if they have a family in the city, etc. Recently, I've heard about a lot of students from the northwest part of the GTA (Mississauga, Brampton, Caledon area) having their parents pay for the full cost of dental education (~400-500k) by using their retirement funds, selling land from back home, re-mortgaging houses, etc. So these students essentially graduate with minimal debt by going to Australia/US/Canadian schools and then settle down quite easily. Combined with the increased number of immigrants coming into Canada (specifically the GTA) with foreign dental degrees and lots of $$$, ultimately this is compounding the saturation issue. A friend of mine went to India recently and all he saw were multiple billboards stating "have a BDS (dental degree), practice in Canada. 3 exams, 20x salary increase, raise your family wealthier". Now that's concerning...
  12. For those that don't know: For OOP students, tuition will be going up at USask from this year onwards.. IP: 34K + 7K (program fee) OOP: 51K + 7K (program fee)
  13. ORPAS extended the deadline again....its now Tuesday Jan. 8 @ 12 PM!!
  14. Deadlines been extended to Jan. 7 @ Noon !! You can see the news on ORPAS website
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