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  1. It may depend on the school. There was recently a movement to standardize MSPRs across the country to make them more useful/valid, but I'm unsure if there's been any progress on that front.
  2. Professionalism issues, academic misconduct, repeated years (depending on program...), etc.
  3. I was with CIBC in October of 2016, so I guess my advisor signed me up wrong. You have a past comment that also said the policy changed in 2017, so not sure what the real timeline is. Regardless, looking at the credit card you might be referring to (Aventura Gold Visa or Visa Infinite), I would still prefer the Scotiabank offering of getting the Passport Visa Infinite + Gold American Express, as Scotia's cards would give you 6 free lounge visits (over 4 for CIBC), better sign-up bonuses, way better earning rates (e.g. 5 points back vs. 1 point at a restaurant), and no foreign transaction fees. The only perk the CIBC credit card offers have are the NEXUS rebate (easily nullified with the better sign-up bonuses) and some of the insurance coverage (CIBC has mobile device coverage, but their policies also lose out in other areas such as price protection, duration of the trip insurance, etc.). If comparing to RBC's credit card offerings, you have a bit of a better argument, but with RBC's system offering a variety of different cards and the opportunity to switch between them, they ultimately provide way more flexibility and potential to get more perks than CIBC.
  4. Went with CIBC for a brief period when they were the only bank with Prime - 0.25%. Service was better than Scotiabank, but worse than RBC (which is by far the best in the province and has a reputation for being one of the better teams in the country). Credit card offerings were the worst of the three. The most annoying aspect of CIBC is that they limited access to the LOC amount depending on what year you're in (i.e. 1st years get 1/4th, 3rd years get 3/4ths, no matter what the total LOC limit is). While it didn't really impact me, it just felt inconvenient in case I had something come up.
  5. I've done this 3 times. Be upfront with your (new) advisor and they will tell you their preferred process as it varies depending on the old and new bank. For example, when switching to RBC from CIBC, my advisor actually wrote a letter indicating I wanted my account closed, drew up a cheque, had me deliver it to my old LOC bank, and then I was good to go. But when I switched to Scotia, I had to provide scans, receipts, and signed documents confirming the account was closed and RBC essentially made me run back-and-forth multiple times in order to give me what I needed to leave them.
  6. The offers typically don't change too too much between years. Some banks/friendly advisors also have a history of honouring the new offer if you ask nicely. In addition, there's nothing at all prohibiting someone from switching their LOC over from one bank to another. In fact, this is one way to 'double-dip' the benefits, as long as you're willing to put in the effort. All this being said - one notable offer that many people (i.e. current Scotia LOC customers) missed out on was when MD Financial Management + Scotiabank offered $500 cash (in addition to the credit card sign-up bonuses) to new clients sometime in the last few years. Depending on the bank and your own availability, the process can take 1-3 weeks to complete. The main rate-limiting steps are needing to go into the branch to sign documents, how long the bank's internal credit underwriting office takes to process your account, anything you might need to do to fulfill the underwriters' requests (e.g. close credit cards, provide details on current student loan amounts, etc.), and then potentially going into the branch again to sign final documents.
  7. At least before, just have to provide details regarding why you want the switch. Criteria is generally that you need exceptional circumstances that were unpredictable and have changed significantly since you accepted your site. I would say a great majority do not get their switch approved. There is an appeal level further to that, but few students take it that far.
  8. I only used my home letters from my core rotation for my home school. Otherwise, I used three 2-week away elective letters for every other application. Didn't seem to hurt my interview odds. As @QuestionsAbound said - a good letter is better than a mediocre core letter and I had a better feeling about my elective letters.
  9. One thing to think about is that it's easier to switch from Saskatoon to Regina, if you later change your mind. There's multiple cases of people switching to Regina just because their preference changed, but switching from Regina often requires exceptional circumstances.
  10. Further to the "no," I also know of at least one medical society president who has actually gone unmatched within the last 3 years in the first iteration.
  11. * = CaRMS status update Anatomical Pathology: Laval (Dec 4), UofT (Dec 5), UBC (Dec 9), Memorial (Dec 10), Queens (Dec 13 IMG), Dalhousie (Dec 11), McMaster (Dec 16 IMG) Anesthesiology: Manitoba (Dec 6), NOSM (Dec 9), UBC (Dec 11), Ottawa (Dec 12), Dalhousie (Dec 13), Queen's (Dec 14) Cardiac Surgery: Dermatology: Alberta (Dec 4), Ottawa (Dec 16) Diagnostic Radiology: Saskatoon (Nov 28), UBC (Nov 29), MUN (Dec 4), Calgary (Dec 6) Emergency Medicine: Queen's (Dec 9), Calgary (Dec 16) Family Medicine: Sherbrooke (21 Nov), Laval (21 Nov), Montreal (21 Nov), Ontario IMG (30 Nov), UBC (10 Dec IMG/CMG), McGill (Dec 10), Alberta: Edmonton (Dec 12), Red Deer (Dec 15), Grande Prairie (Dec 15), Saskatchewan: North Battleford (Dec 11 IMG), Western (Dec 13), Ottawa (Dec 16), Queens (Dec 16), McMaster (Dec 16*), Memorial (Dec 16*) General Pathology: McMaster (Dec 6 IMG), Saskatchewan (Dec 16 IMG) General Surgery: McGill (Dec 10), Manitoba (Dec 13), Toronto (Dec 14), Toronto (Dec 15* IMG), MUN (Dec 16), Dalhousie (Dec 16*), Edmonton (Dec 16), Vancouver (Dec 16*) Hematological Pathology: UofT (Dec 13* IMG) Internal Medicine: Sherbrooke (Nov 26) Medical Genetics and Genomics: UofT (Dec 6) Medical Microbiology: Neurology: Manitoba (28 Nov), Ottawa (Dec 9, IMG/CMG), Dalhousie (Dec 9), UBC (Dec 9), Calgary (Dec 11), McGill (Dec 11), U of T (Dec 16, IMG), Western (Dec 16, IMG) Neurology - Paediatric: McGill (Dec 16) Neuropathology: Neurosurgery: Nuclear Medicine: Western (Dec 9) Obstetrics and Gynaecology: Montreal (Dec 10), Alberta (Dec 12), UBC (Dec 12), Montfort (Dec 16*), Saskatoon (Dec 16), Regina (Dec 16), Calgary (Dec 16) Ophthalmology: Manitoba (Dec 11), McGill (Dec 12*), UBC (Dec 13*) Western (Dec 16) Orthopaedic Surgery: Calgary (Dec 11), Dalhousie (Dec 12), McGill (Dec 12), Alberta (Dec 13) Otolaryngology: Alberta (Dec 9), Ottawa (Dec 10), McGill (Dec 11), Manitoba (Dec 11), McMaster (Dec 16), Dalhousie (Dec 16) Pediatrics: McMaster (Dec 13 IMG), Manitoba (Dec 13 IMG), Western (Dec 16* IMG) Plastic Surgery: PM&R: Montreal (7 Dec), Ottawa (9 Dec), Laval (10 Dec) Psychiatry: Memorial (Nov 22), McMaster-Hamilton (Dec 3), McGill (Dec 3), Manitoba (Dec 3), Western-London/Windsor (Dec 4) McMaster-Waterloo (Dec 6), Sherbrooke (Dec 10), Saskatchewan-Saskatoon, Regina (Dec 11), Calgary (Dec 11), UBC - Greater Van, Van, Vic, Prince George (Dec 11), Queens (Dec 11*), Toronto (Dec 11), Ottawa (Dec 13), NOSM - Thunder Bay (Dec 13), Dalhousie (Dec 16), Ottawa - Monfort (Dec 16*), Queens (Dec 16) Public Health and Preventative Medicine: Sherbrooke (Dec 6), UBC (Dec 6), Toronto (Dec 11) Public Health and Preventative Medicine with Family: UBC (Dec 9), McMaster (Dec 12) Radiation Oncology: Alberta (Dec 2), Calgary (Dec 5), McMaster (Dec 6), UBC (Dec 10), Queen's (Dec 11), McGill (Dec 11), Dalhousie (Dec 12) Urology: Western (Dec 2), Dalhousie (Dec 4), Manitoba (Dec 5), McMaster (Dec 5), UBC (Dec 5), Toronto (Dec 6), Ottawa (Dec 10), Alberta (Dec 10), McGill (Dec 11) Vascular Surgery: (Western, Mac, Manitoba, UBC "CMG")
  12. Anatomical Pathology: Laval (Dec 4), UofT (Dec 5) Anesthesiology: Cardiac Surgery: Dermatology: Diagnostic Radiology: Saskatoon (28 Nov), UBC (29 Nov), MUN (Dec 4), Calgary (Dec 6) Emergency Medicine: Family Medicine: Sherbrooke (21 Nov), Laval (21 Nov), Montreal (21 Nov), Ontario IMG (30 Nov) General Pathology: General Surgery: Hematological Pathology: Internal Medicine: Sherbrooke (Nov 26) Medical Genetics and Genomics: UofT (Dec6) Medical Microbiology: Neurology: Manitoba (28 Nov) Neurology - Paediatric: Neuropathology: Neurosurgery: Nuclear Medicine: Obstetrics and Gynaecology: Ophthalmology: Orthopaedic Surgery: Otolaryngology: Pediatrics: Plastic Surgery: PM&R: Psychiatry: Memorial (Nov 22), McMaster-Hamilton (Dec 3), McGill (Dec 3), Manitoba (Dec 3), Western-London/Windsor (Dec 4) McMaster-Waterloo (Dec 6) Public Health and Preventive Medicine: Radiation Oncology: Alberta (Dec 2), Calgary (Dec 5), McMaster (Dec 6) Urology: Western (Dec 2), Dalhousie (Dec 4), Manitoba (Dec 5), McMaster (Dec 5), UBC (Dec 5), Toronto (Dec 6) Vascular Surgery:
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