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rmorelan last won the day on January 11

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About rmorelan

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

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  1. ha plus you know it is finite, and all of your class is right there doing it do. That is a big part of it. Compared to my friends outside of medicine what we did was insane, but of us on the inside it was just perfectly normal.
  2. You would be amazed on how hard people in many areas have to work and for how long - and I mean work with at best scattered breaks. Even as staff I work 60-70 hours a week routinely with sometimes more and just catch a brief random breaks to eat etc throughout the shifts. There are weeks that are not as intense, and I have way more vacation time than a resident would have, but even today medicine still has people truly going full steam ahead for what may on the face of it seem like very crazy hours. Residents have it way worse than staff still, and have to on top of the work hours find the tim
  3. you need to compute your GPA using the various rules some schools have for dropping courses. Toronto for instance will let you drop 2 standard courses if you have been doing 5.0 or more credits each year. There is a bit of math involved in figuring this all out, but Western, Toronto, Queens, and Ottawa have some ways of dealing with some poorer grades depending on when they are.
  4. yes this in my understanding as well. Also since most people would be doing most of this within a TFSA then you won't have tax implications for the most part (in theory they can come after you if you are doing too many short trades). It would never be considered income but is an asset. If you are investing more than your TFSA amounts you really are starting to red line things (leveraged investing without income is messy business - particularly with the market at all time highs. That doesn't mean it cannot go up further, but the higher it is the lower expected returns have to be - that is just
  5. you know I am not aware of any specific book although those topics do some out in our regular magazines from CMPA/OMA etc. A lot of that is taught on the job it seems (right or wrong) and some in the actual medical training.
  6. good luck! hopefully it works out. If it doesn't you can explore if there are area of wiggle room due to the clearly unusual situation we are in that is completely outside of your control.
  7. Ultimately this is the official answer to their position. Ha and as someone that is done graduate work - I don't think it is surprising they want to finish regardless of the admission offer, and they would feel torn. You pour your heart and mind into these things - for many it isn't just some stepping stone to med school (and we don't know the research area - some literally are trying to help cure cancer for instance or some other highly personal topic). The school's language and position sounds like they wouldn't in any way negatively harm you if you had to withdraw your med school admission
  8. I will say that schools can be very accommodating for things like this and there are usually ways to make things work in the end. Many schools for preclerkship also have a lot of the lectures recorded which can add flexibility. They will be parts of clerkship that will be more challenging - but hiring a nanny for that in particular is possible. While spending the LOC is still money to be paid back at least there is a pool of resources there. like blah1234 I know people that have had done this or had children in med school. It won't be easy and you shouldn't be shielded from that fact but
  9. For life insurance not much point at all. Don't insure something to protect someone else's risk (like the bank's risk if you die). Disability insurance if required is usually cheaper and better controlled as a separate policy. Binding it to a particular LOC/mortgage is usually not efficient.
  10. First question is why do you have life insurance at all if you have no dependents? What is the life insurance payment if used for? There is logic to holding life insurance potentially as the PARO coverage will end at some point, and depending on your policy etc. you many want a policy you can extend for sure after that point. Really life insurance is so cheap overall there isn't a ton of issues related to it. However for doctors quite often we can get life insurance very easily and if there are no preconditions it not as big of an issue. I wouldn't worry about better rates later if
  11. good advice over all. I am trying to keep my lifestyle at the resident level for that very reason as staff. The low interest rates reduce the interest but the real issue is still the principle payment. If the interest rate doubles on a 250K loan you would pay in interest about 1000 a month vs 500. That isn't nothing, but the real issue is you are paying off the principle even at 5000 a month (over 5 times the interest itself at the doubled rate) it will still take you 4+ years to pay it off outside of the interest payment - and 5K a month is a lot of money. Once you do that you have to immedia
  12. yes! although I suppose one would hope that is temporary in a sense. Although I believe the rent cannot go up next year. The rents are still expensive of course.
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