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About djdtoronto

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  1. http://criminalnotebook.ca/index.php/Voyeurism_(Sentencing_Cases) This link ^ has all the resulting sentences of voyeurism in Canada. A few of them resulted in something called "Conditional discharge". If this is the case, it only shows up on his criminal record for 1-3 years. Do you think he'd be able to reapply to med school afterwards and gain admission?
  2. Hey! I graduated last year from biomedical sciences at Guelph. If you wanna PM me with any questions feel free too!
  3. Usually they let you apply and get all your credit cards and what not using the letter of acceptance, but they can’t release the funds of the LOC without proof of enrolment. I’d imagine all banks do the same.
  4. Yup! You can see all the changes here: https://www.ratehub.ca/blog/changes-are-coming-to-the-scotiabank-gold-american-express/
  5. Also, see how long you get the free perks for! Some banks like TD will only waive the fees while you are in school, whereas RBC is indefinite as long remain part of their healthcare advantage program. I believe Scotia is similar to RBC.
  6. 1) Having an advisor that you feel comfortable with is also important. RBC and Scotia both have advisors that have extensive experience with Professional Student Lines of Credit. Also, although this is much further down the road, you should look at what each bank provides in terms of professional support (although you can always switch banks later) for your career. 2) To properly compare perks across different banks, you have to see how much each of the points are worth. For example, RBC has an air travel redemption schedule eg. 15000 points for short round trip flight, 35000 for mid-distance, etc. https://www.rbcrewards.com/#!/travel/redemptionSchedule Right now RBC is offering 45000 points to new clients [either 3 short haul (up to 350$ each), or one long haul round trip flights (up to 900$)]. 1$ spent = 1 reward point. The only downside to RBC is that you have to pay the full amount of points even if your ticket is cheaper, and you have to still pay for taxes, fees and surcharges. If you don't use the schedule^, then 100 points = 1$ in travel. In contrast, with scotia there is no redemption schedule and you can only redeem 100 points = 1$. Right now they have a bonus up to 45000 points as well, which = $450. The nice thing about the Scotia cards is you can earn up to 5 points per dollar spent (effective Aug 1) using the Gold Amex on things like groceries, dining and entertainment, 3 points for transit and streaming services, and 1 point on everything else. The really convenient thing is that you can redeem the points for your travel expenses up to 12 months after travel, and you can use your points to pay for just a portion of the travel expense. The scotia cards also come with 25 days travel insurance (compared to 0 for the RBC avion visa platinum and 15 IF you get approved for the avion visa infinite), 6 airport lounge passes per year and no foreign exchange fee. Let me know if you have any questions cuz it is a bit confusing! I've done way too much research into it lol
  7. Hey I live in North York if you're interested in meeting half way? My number is 647-961-3329
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