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About FrannieLydon

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  1. Can also vouch for Rod McFadden from Scotia in London. Exceptionally helpful, and has been doing this for a number of years now. rod.mcfadden@scotiabank.com
  2. Agree with potentially asking the teacher. Teachers can certainly speak to alot of the soft skills that schools are looking for in med applicants and perhaps in a more intimate or personal way than someone you knew in a more formal academic setting and I wouldn't underestimate the power of someone speaking more personally about the particular skills you may have deployed in a classroom setting.
  3. I think that it is also pretty variable. I mean we all have to admit that for a large portion of successful applicants it is a bit of a lottery. If you speak with individuals with experience on Adcoms/doing interviews, they will tell you that it is pretty hard to differentiate candidates. So candidate 1 who has similar stats/ a similar application to candidate 2, might get in first try, while it takes candidate 2 a few tries. The admission process is pretty subjective at many stages – so try not to over analyze it, shoot your shot, and hope for the best!
  4. I might be misunderstanding you, but I am almost positive that you can start out on the infinite card and they waive the min income of $60,000 and the fee. If your advisor is telling you that you can only get the Avion Platinum, you should ask them again or speak with a different advisor.
  5. Any idea what card you get upgraded to? My understanding is that the Avion Infinite is one of the best cards they offer with the Avion infinite privilege being a step up (But requires a min income of $200,000 and has a $399 fee attached to it). Or am I missing other options that could work out nicer?
  6. Do you think the credit cards they offer are equivalent? I am thinking that the Amex Gold and Passport infinite are better than the avion infinite offered by RBC. Any other perspectives on this?
  7. You could be eligible to defer your Mac offer for a year if you were successful next year and finish out the year with your PI. I think that they would likely have some flexibility given the circumstances of how it all came about. Def keep moving forward with your life/academic career.
  8. Has anyone who has applied had their funding calculated/ know when we could expect to see that?
  9. I know that the Scotia rep I spoke with mentioned that once you are out of school your LOC get transferred to a professional LOC at the same rate.
  10. Thanks that is really helpful! But what do you do if you have a balance on the LOC. Say you have used $100,000 - how do you close that if you do not have the $100,000 to pay back to scotia? Would you have to open the new LOC at RBC first, and essentially use room on the new line to pay off the old line? Or am I missing a step here...
  11. I am wondering if anyone knows anything about transferring your LOC. I am thinking that Scotia has the best offers right now especially to sign up, but I think that in a perfect world I end up with RBC on a more long term basis. Is it possible to start with Scotia and then switch to RBC down the road? Does anyone have any other thoughts on this?
  12. I see this mentioned a lot and I am wondering how rural is defined? Let's say you were working in a town with around 20,000 total population – would that qualify as rural?
  13. Aside from getting exposure, you should be able to leverage your unrelated field. The admissions process is so competitive in Canada that any differentiators (like experience in an alternative career) can be a difference maker. Good luck!!!
  14. Also with a great interest rate, there is not necessarily a rush to pay the debt off – long term it might make more sense to hold the debt and invest your income for a better return.
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