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Everything posted by frenchpress

  1. This isn’t strictly true. I know of one person in BC who could not get a full LOC, and they were told it was because they had other loans and their recent credit had some major issues. Although I also know of people who could get an LOC with a mortgage, and vice versa, and presumably they had better credit. Presumably OP if you just qualified for a big mortgage your credit is OK. But I recommend reaching out to one of the healthcare specialists at the local banks and chatting with them about it. Do not just ask random advisers at the bank, they rarely know anything. There are some very k
  2. I wouldn’t worry about it. Different schools have different criteria, and some with looser criteria have it because they want to attract people who have a higher likelihood of staying in a province to practice (you went to high school there, etc). There’s going to be overlap - for example, if you live in the Yukon you can be IP for several provinces. You don’t choose whether you meet the criteria for different schools - generally if you meet the criteria then you’re treated as an IP applicant, and that’s that. I suspect what matters most is that you clearly meet the criteria for UBC a
  3. Anything is possible. What matters more for CARMS is if it’s probable and if you’ll get something you’d actually be happy with. It is possible to match into family without electives, although it can be difficult to get some of the more desirable programs. It is also possible to match into some rural programs, particularly any unpopular ones that tend to have left over seats year over year - but many rural programs are actually very popular, and because they have limited seats compared to urban programs, tend to easily fill up.
  4. Go here and plug your courses in: https://www.bctransferguide.ca If they transfer to UBC for any credit, whether a specific course or just general credit (e.g. 100-level, 200-level, etc), they usually count. If there’s no transfer agreement for a course or there’s no credit, that typically means it won’t count. Once you’ve done that you should have a good idea, and then you can confirm with admissions.
  5. Yes, you send all the transcripts. My point was not about not sending the transcript, it’s about which courses on those transcipts they will include when calculating the GPA. The final authority on that is with UBC admissions, so the best people to tell you which of your diploma courses will and won’t be used will be UBC admissions. But the general rule is, if it is classified as university-level/university-transferable, it counts.
  6. You assume correctly, multiple courses over multiple years they won’t drop. Just the year, from Sept - Aug, with the lowest average, to a maximum of 30 credits. If you have more than 30 credits that year, they drop the worst 30. If you have less, then they drop them all. But yeah, it sucks if you have few credits over multiple years because you can’t benefit much from the adjustment. If you took non-university transferable credits at langara, it’s possible some of those courses wouldn’t transfer. For example, some diploma courses for technicals diplomas people take at places like BCI
  7. Yes, they really look at all the years. They will calculate your GPA using all credits that are “university transferable” - I.e. courses that you could apply to a degree, even if they weren’t used for the degree you actually got. Assuming you have enough credits (at least 120 I believe), which is sounds like you do, then they will drop your worst single year to a maximum of 30 credits.
  8. It’s difficult to take notes on a larger device during clinical rotations in my experience. Especially since covid, usually I am trying to minimize the amount of stuff I’m carrying around. I always take notes on pieces of paper and then scan the useful ones in as documents or amalgamate them into more useful notes when I am home and studying. I might have my iPad with me in my call room, but I don’t take it onto the wards.
  9. During covid there were virtual info sessions because CaRMS interviews were remote. When CaRMS was in person it used to be that there would be open houses and opportunities to meet residents and programs at most interviews. By the time you get there it could be different, but I highly suspect CaRMS will stay remote, and I personally felt like I got a lot more info from it than I would have in person.
  10. I am just starting, but so far while it definitely can be exhausting, the preceptors are flexible and we don’t have deliveries everyday, so it seems to work well for our site. Different sites within my program do it differently based on how busy their service is. The CaRMS descriptions vary in their level of detail. I found they usually had descriptions of how many weeks were on service vs off-service. But the descriptions for other practical things were often vague and only cited the provincial union agreement maximums (e.g. Max 1:4 call). I found talking to residents from the different
  11. It really is so site and rotation dependent, hard to generalize. Different sites even at the same university can differ immensely in number of weeks on different rotation, workload at hospitals within that site, etc. Also often differs a lot between urban sites (where you tend to have more in-hospital call) and rural sites (where you often have at lot more evening/home-call, at least for off service rotations). I’m an FM resident on family medicine right now in a semi-rural semi-urban program and my hours are primarily weekdays in office (8 to anywhere between 2 and 6pm). Within family me
  12. No. Elective order happens for all kinds of reasons, what will effect your changes is how effective you are at selling your interest in family med in your app, overall number of family electives, etc.
  13. Sort of an aside to your question, but one thing to consider is your purpose for doing research. If it’s just for the line on the CV - I mean, I get why it feels important but I disagree it should be as prioritized as it is in many areas of our profession. Many ‘easy’ projects that get published go to low quality venues and are essentially never read or used, and you often don’t learn that much from doing them either. If you get to the end of a project that you really think isn’t publishable, you have to really reflect on why - if it’s because you made mistakes in the research design, etc
  14. Just FYI - depending on your Med school, there may be fairly strict requirements around what you’re allowed to ‘do’ when you’re an observer, and some may require you to register with them in order to have liability coverage. Preceptors don’t always understand the difference between what pre clinical and clinical students are covered to do. And as Dr. Otter mentioned, lots of schools aren’t actually even allowing students to do observerships, so you may want to check what’s technically ok. Doesn’t usually matter because it’s hard for a pre-clerk to get into much trouble - but there’s a lot of e
  15. You should apply with the expectation that you won’t get in on the first try and plan accordingly. The average number of applications for accepted applicants at UBC is over 2 (so between 2 and 3). You may get in the first try and not have to execute a back up plan. Or you may never get into medicine. So I’ll recommend the same for you as I do for everyone: keep living your life and pursuing things you’re interested in, and which could lead you to a suitable back up career if Med does not pan out. Going into another degree program or just working here and there are Also probably not the only op
  16. Your GPA is competitive. ECs are a crapshoot and its difficult to say how they’ll be scored, since it depends a lot on how you present them and they are scored relative to the other applicants that year. The best I can say about your ‘chances’ is that, if you look at the stats of accepted applicants, you’ll see that there’s plenty of people with similar stats who have been accepted and plenty who have been rejected. Apply and see what happens.
  17. Why is it interesting to you? I agree with above that you probably have a very good shot, but just because you can doesn’t mean you should. Clinical medicine is very different from research, and if you really seeing yourself doing research then you may be happy with just a PhD. Tacking on the MD adds a lot of years, so you really want to consider whether it’s something you need/want.
  18. Although many doctors come from upper and middle class families and didn’t have to work everyday jobs before Med school, many doctors have slung lattes, washed dishes, waited tables, painted houses, roofed, etc. to make money before/during/after university. You’re not alone there. Definitely include it. You don’t need to embellish, but it does help I think to spin these sorts of gigs (and any entry) in a positive way by mentioning the aspects of the job you actually enjoy, if any - e.g. maybe you enjoy the fast-paced environment and collegiality in the kitchen (I know I did, at least some
  19. No, they don’t. It absolutely wouldn’t make sense from a tax perspective unless you have other (much larger) income sources. And since in both cases you’re being hired as a type of employee, I don’t think you could actually claim that income as business income anyways. Incorporation is something you can do as a small business, but you can’t contract out your services as a medical student / resident. Edit: see https://www.google.com/amp/s/www.theglobeandmail.com/amp/investing/personal-finance/taxes/article-beware-the-rules-that-apply-to-incorporated-employees/ And https://invest
  20. If you call in sick, they’ll know why. What’s the point? In my experience, it’s rarely worth it to lie. I would just be frank and say that this isn’t a negotiable thing, and you will do your best to help them out in other ways, but no matter what they say you won’t be there. And if they still can’t be reasonable and insist you have to be there, peace out and find another job if that’s actually an option. Doesn’t sound like a great place to work.
  21. If you’re IP with a gpa around 90% and a decent mix of ECs (which you have) your chances are decent of at least getting an interview, A lot will depend on how you present your activities on the NAQ / employment sections. No one knows how the MCAT factors in post-interview, but the closer you are to the average acceptance (~514-515) probably the better. Apply and see what happens!
  22. RBC now offers a professional loc to medical students that continues into practice, so you don’t even need to pay the the principal down after residency. I had heard Scotia now had a similar product, although people have reported difficulty getting Scotia to switch them to it if they have the old student loc
  23. No, it’s not. Credit unions and smaller banks basically never are. My preferred and long time credit union flat out said they’d never compete and they recommended I take the best deal, but my advisor was extremely pained to have to tell me this. RBC and Scotia year over year have the most competitive deals, and also have teams dedicated to these programs
  24. Don’t know anything about osap. But you should absolutely look into transferring your loc - unless your current job is also a professional, it’s uncommon to have an unsecured loc for 350k at prime minus 0.25%. You should be eligible for the same loc as any other med student if you consolidate your existing loc onto it as part of the process, and then you should be able to reduce the interest you’re carrying. Talk to someone at one of the big banks (RBC and Scotia tend to have the most flexible plans) who is part of a team dedicated to their health care plan. Would probably pause your ETF
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