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  1. Incoming med student as well. I've looked up the advice of senior students/residents/physicians on this website and others. The consensus is to spend enough so that you can focus entirely on med school. If that means buying an apartment with in-suite laundry so that you aren't taking your laundry to a nearby landro-mat during exam season, so be it. If that means buying a new computer with a premium service warranty to carry you through the next four years, indulge. It gets trickier when it comes to say, buying furniture for a new apartment. Some classmates will blow a decent chunk of the
  2. Are the automatic interest payments with Scotia really that helpful? What is stopping someone that isn't with Scotia from setting up automatic payments to cover their interest payments? I realize the interest amount isn't fixed (whereas automatic payments are), but since people must already do this for rent payments, why not just add extra for the interest by some amount that over-estimates it? Yes, you'll pay interest on the extra money you use to over-estimate by, but I can't imagine it would be an amount that is note-worthy, especially if you clean this money up periodically by moving surpl
  3. Several people across 2019/2020 commented that they chose the bank they currently do business with to open up their LOC to keep things simpler/straight forward. I haven't seen anyone ask this question yet, so: lets say I want to do all of my business at the same bank...but that bank is not my current bank. How feasible would it be to make a complete switch? For reference I'm currently with RBC and I have a chequing account, savings account, credit card, student line of credit from undergrad, and a TSFA with next to nothing in it. I don't feel like I have any strong ties to RBC and I have
  4. Here's a question that I realize no one has an answer to...but I'd still be interested in peoples thoughts: does anyone wonder if COVID - with how it has thrust healthcare into the spotlight in new ways - may lead to some positive changes within healthcare in Canada over the next few years, which may in turn lead to improvements with the job situation for surgeons?
  5. There are lots of topics dedicated to LOCs, but I felt this question deserved its own thread with the focus being largely on government loans. I figure others may be in my boat with some of these questions (or may feel inclined to ask related questions, which I wouldn't personally mind), so I hope this thread is appropriate. My understanding is that the process for incoming medical students that need funding is to apply for both government loans and a LOC. By applying for student loans, one can benefit from bursaries; then, the LOC is used to cover whatever the student loan does not. Then
  6. I had a line in there about being open minded to my feelings about the US, but edited it out for some reason. Nevertheless, I will definitely take your advice - thank you To add to the positive experiences, a good friend of mine from undergrad (in Canada) just graduated from a medical school in the US, met/married her husband in the US, and is doing her residency in the US - and seems incredibly happy. I don't think she had any significant connections to the US, either - most of her family seems centered back in Canada. And, I'll admit I've had nothing but positive experiences in the US f
  7. I can comment on that: I'm heading into med school and ortho is what everything I've done prior in life would push me towards, particularly spine. Whether or not I'll actually go that route is another story - I don't like the idea of going into school with my mind made up on a specialty (and I do have issues with ortho). But lets say I end up in ortho anyway and further pursue spine. 2020 really illustrated to me that I don't believe the added pull of money/prestige/incentive would offset the issues I would have with living in America for the duration of my career. I'd have no issues doin
  8. Why not make this for all schools in Canada, rather than just Ontario? Most of us here apply as OOP everywhere we can, so most schools are on our minds.
  9. Do you have any explicit reasons for why you don't want to switch banks, or is it simply because you are familiar/comfortable with your current arrangement? Not to imply there's anything wrong with that btw, I'm just trying to decide what sort of reasons should deter me from switching banks (currently with RBC but looking at Scotia).
  10. This is actually something I'm doing this summer Working with a physiotherapist on this topic (I'd highly recommend others invest in themselves like this). We can't avoid prolonged sitting in school, but we can still minimize the harms it entails. I still thinking a mix of laying down, sitting, and standing would be optimal. A standing desk is something on my mind too....
  11. Got any recommendations for a good bed table? I'm thinking about ways to reduce how much my lower back will hate me from all the sitting the next four years will bring (yes I feel old for thinking like this)
  12. I was pushing the Dell XPS series on the prior page, but cannot comment on the 2 in 1. I know that the battery life takes a hit because of the touchscreen (the 2-in-1 is sized with a larger battery, but its possible to get that same battery in a non-2-in-1 XPS to boost the battery life). That isn't to imply the battery life is bad on the 2-in-1, its just a trade-off to think about. I can't comment on the other options. In terms of USB ports, while that is true, there are many dongles that can be purchased that are quite discrete while allowing you to utilize USB accessories. I have one no
  13. @dooogs @Galaxsci Thanks for the responses! Going through mechanical/biomedical engineering felt like an unnecessarily hard path for medicine, but its nice to see that there may have been some benefits for the specialties that I'm considering
  14. This question is a bit more broad but certainly applies to this thread: do your publications have to be within the specialty you are applying to? Example: I am entering med school with four publications (three first author) in tissue mechanics topics, some of which are quite high impact for their fields. Does this have any benefit if I were to apply to plastics, optho, neurosurgery, ect, even if the papers are unrelated? Does the demonstration of success in research in a completely different field prior to med school mean anything when matching to residency? (I realize this is not a black
  15. Only thing I want to add is that there are caveats to this: case in point, my laptop. It seems that Dell no longer manufactures the battery I'd need (or at least makes it available for purchase when out-of-warranty like mine is) - and this was the situation last year (three years after buying). I seem to recall my only option being looking up parts on Ebay and attempt a DIY YouTube tutorial (hit and miss) or a computer shop that would attempt to assemble the pieces I source (with the disclaimer that it may not reassemble into a functional computer). To offset this, extended warranties can
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