
palefire
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About palefire
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verycaffeinated reacted to a post in a topic: Accepted/Rejected/Waitlist Thread
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SMT reacted to a post in a topic: CASPer Requirement
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palefire reacted to a post in a topic: New requirement - CASPer
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Haribo7173 reacted to a post in a topic: CASPer Requirement
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palefire reacted to a post in a topic: 2017 Backpack?
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palefire reacted to a post in a topic: Why not family med?
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palefire reacted to a post in a topic: Why not family med?
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Log reacted to a post in a topic: 2017 Backpack?
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palefire reacted to a post in a topic: 2017 Backpack?
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Didn't they pretty much have the same colour last year too? =/
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palefire reacted to a post in a topic: 2017 Backpack?
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Synth1 reacted to a post in a topic: What is your LOC Thread
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What is your LOC Thread
palefire replied to hardlyeasy's topic in Medical Student General Discussions
No, it's not. The advisors I met from Scotia/RBC/TD all offered the full 275k despite the student loans i already had -
Your ECs are strong, Queen's being a black box is definitely worth a shot. Your GPA as an OOP will hold you back at McGill, while your Mcat is too low for Manitoba or Sask. Your ECs might make you competitive for Calgary and Dal.
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palefire reacted to a post in a topic: Starting med school, what should I brush up on?
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RedLily reacted to a post in a topic: CASPer Requirement
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SunAndMoon reacted to a post in a topic: CASPer Requirement
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Log reacted to a post in a topic: CASPer Requirement
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RBC vs Scotiabank for LOC
palefire replied to JarBlues's topic in Medical Student General Discussions
I was already an RBC customer, my advisor said the fee is waived for first year but he can just file a separate waive request every year for me and i wouldn't have to pay it for the other years either. -
The dark side of the fairy tale life is a pathway to many abilities some consider to be unnatural
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palefire reacted to a post in a topic: CASPer Requirement
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SunAndMoon reacted to a post in a topic: What is your LOC Thread
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RBC vs Scotiabank for LOC
palefire replied to JarBlues's topic in Medical Student General Discussions
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What is your LOC Thread
palefire replied to hardlyeasy's topic in Medical Student General Discussions
Haha I felt very adult-like when i went over the pros and cons. I went with RBC, two reasons, I was already their client (didn't want to have accounts with multiple banks) and I really like the advisor I was dealing with (he has a large med school client base and was very knowledgable about residency and medschool process) and second, their grace period for making interest-only payments is 24 months after finishing residency whereas every other bank offers only 12 months. One thing to note though, scotia does have the best credit card imo (it gives you a lot of cash back, 4%, and travel -
What is your LOC Thread
palefire replied to hardlyeasy's topic in Medical Student General Discussions
I had the same questions you did but then decided to have a LOC anyway. My reasoning was, I only have to make interest payments for it or any other sort of payments IF i end up using it at all. The quebec loans and bursaries should cover living expenses and tuition but it doesn't leave much else for me if i wanted to indulge myself ever. Second, once we have to start paying back the Quebec loan portion the interest rate is 3.2% where as on an LOC the interest rate for repayment is 2.45% currently. I was thinking i could pay off all the Quebec loan with my LOC after i'm done and then make repay -
What is your LOC Thread
palefire replied to hardlyeasy's topic in Medical Student General Discussions
I'll check. Thanks! -
What is your LOC Thread
palefire replied to hardlyeasy's topic in Medical Student General Discussions
Did anyone here set up a LoC in Montreal? If so, which advisor do you recommend at TD/Scotia. The ones I've spoken to so far haven't been the most helpful -
2017 Backpack Colour Vote is Live!
palefire replied to elucidator2341's topic in Medical Student General Discussions
I thought poopy brown would be more popular, not because it's much better looking than the rest but because it seems like the only non-neon colour on that list.