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rmorelan

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About rmorelan

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    Was a computer programmer/project manager. Now a resident.

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  1. and early enough that in worst case things go off the rails you can potentially put something else together. It is a lot of work to change things and it isn't guaranteed but it is still a chance vs no chance if it is too late in the game.
  2. which province are you in, and what gov student loans do you have access to? Those sometimes consider your assets
  3. True - not as directly for sure There is still the large cash amount given to CMA when MD financial was sold which is financing operations. I suppose my point is that they still have an advertising function so there is a bias towards the bright colours in general (never seen a year at least lately when most of the colour options were more standard/ neutral colours).
  4. That was their nickname where I was at - the "pylons"
  5. they only problem is the backpacks are supposed to be advertising - I mean that is why MD financial is helping pay for them. That means they would have to stand out. Plus they are trying to create class cohesion - so same colour (plus cheaper to order X in the same colour etc.). Bottom line is there are other objectives at play here.
  6. it's possible - I did 2 different UG degrees in 4 years at Waterloo. It takes a lot of planning, and I used my summers as well. It is harder to do them in separate 2 year blocks just because courses don't line up always.
  7. they do move it to a professional LOC but that still has monthly interest and principle payments. The only real change it somewhat of an inconvenience in ensuring payment of some not settled amount is there, and that the payments are higher. I can still use the LOC itself.
  8. I get that but my point is for some it I guess it might. Particularly I suppose if you know exactly what field of medicine you want to do and know you won't have too much issue getting it. There is a real financial cost if you think of it that way for doing that extra year (hundreds of thousands of dollars in some fields). I too thought going 4 years was better for me, and that decision is not one I think was incorrect even with hindsight. yet I am pretty hesitate to say that is the right solution for everyone - I do know other doctors for which the extra year would have been a complete
  9. just means they keep charging you interest and don't care about you paying back the base loan for 2 years. In about one year for me they will be asking me to repay the principle - which means some form of repayment plan usually designed to pay off the loan with interest in 10 years.
  10. "To me personally" is exactly the point This is a highly personal choice to say the least. Also I think it is really important to note that a ton of people doing the early retirement pathway don't actually want to retire at all - even in many cases from their original career pathway. They instead want the freedom to do whatever they want . Even in medicine that can mean restricting your practise area to particular cases, and working a lot less than normal. With FIRE it is the financial independence part that is the most important over the retire early Some of the people I know who
  11. Yup - FIRE doctors - and they are out there. Additionally there are many others just going part time (every weekend, is a 4 day long weekend......). This by the way handles both the people doing what they love for as long as they can, and the idea of having time to do other things. retiring early is all about earning what you can, and control expenses as much as you can. The only question really is what standard of living do you want in retirement.
  12. you know knowing people in medicine isn't as big of an advantage as it is made out to be - in part because there are a ton of steps to help equalize. FIrst as you know cardiology and geriatric medicine are sub specialities you will be applying for 6 years from now. Getting into internal medicine would happen first and that has a high match rate if you do it properly. You are going to find when you get there that there are a bunch of clubs to help you explore your interests, arrange shadowing opportunities, and help network/setup research. Your job is to explore the options and help
  13. most people don't ha initially - then you get there and you realize (or maybe you don't as there is no comparison) that you have direct access to way more things than in London. I mean in the smaller class it would be completely normal if you were the only person interested in a particular sub field of medicine for your year. That can automatically make you the point person on anything related if you are smart about it. That's how for instance some Windsor grads have surprisingly high levels of OR experience, or shocking good clinical skills (one of my friends rounded prior to class in this fi
  14. very hard to do but still things happen. One issue is the number of years - FM funding for 2 years and needing 5 etc. Plus the school he is going to has to have capacity in plastics. Fortunately sometimes people in 5 year problems drop to FM so some funding can be freed. I have a friend that backuped up into FM - did end up doing FM minor procedures mostly for cosmetic work. Of course that is a small part of most plastics even if it gets the most attention.
  15. as a side note - people forget about the advantages of doing research at Windsor - numbers. There may be mathematically more research in London (well there is mathematically more) but there is also a lot more people doing it. There is a lot of great research in WIndsor where you aren't fighting with 47 other people to be first author. Same with electives, mentorship, summer opportunities....... Never underestimate the big fish in the small pond effect. It's huge.
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