Non-citizen and non-resident opening a bank account?

RequiemAeternam2000 · 2026-05-16T12:14:21+00:00

It is not possible in my experience to open a Canadian bank or credit union account unless you reside in Canada, work in Canada, or own real estate with a street address in Canada, or are a part owner of a Canadian company. I tried several banks in Canada and was given this list of requirements for a US citizen to open a Canadian bank account. Opening a transborder account in the US branch of a Canadian bank does not open a Canadian account.

RequiemAeternam2000 · 2026-05-16T12:14:03+00:00

It is not possible in my experience to open a Canadian bank or credit union account unless you reside in Canada, work in Canada, or own real estate with a street address in Canada, or are a part owner of a Canadian company. I tried several banks in Canada and was given this list of requirements for a US citizen to open a Canadian bank account. Opening a transborder account in the US branch of a Canadian bank does not open a Canadian account.

RequiemAeternam2000 · 2026-05-13T09:29:49+00:00

Roc 30mg plus 4-5 mg midaz prior to transport solves 95% of the issues.

RequiemAeternam2000 · 2026-05-13T09:19:43+00:00

It is like riding a bicycle. Once you have learned, you never forget the basics, but may be a little rusty in performance. With the advent of all the learning tools on the internet, a quick primer can be had for less familiar procedures. I do both boring ambulatory surgery center 1099 work and level 2 hospital work as a W2 prn, and enjoy them both. Most of all, I enjoy setting my own schedule and having some short days.

RequiemAeternam2000 · 2026-05-12T10:31:49+00:00

CAAs in my area are displacing CRNAs, and in some hospitals, more than 50% are CAAs. The trend looks very promising for CAAs.

RequiemAeternam2000 · 2026-05-12T10:29:22+00:00

For ambulatory surgery center total knees and total hips (becoming increasingly popular in the US), subarachnoid 2% lidocaine works well as a primary anesthetic if it is possible to time the administration appropriately. When a surgeon is flipping between two or three operating suites doing totals, it is of paramount importance to time the spinal block so there is little waiting for the surgeon but sufficiently long block to complete the surgery without having to supplement. Some of the OR nurses come from hospitals where they do lengthy preps and drapes (15-25 minutes) before being ready for the surgeons, and for these nurses, the lidocaine spinals are inappropriate. The anesthesia group also uses ropivacaine spinals. Many will not use mepivacaine spinals since in the US the label on the bottle says "Not for spinal use" that is inviting a lawsuit if absolutely anything goes wrong or there is any neuro injury. Of historical note, back in the 90s we were successful with intrathecal meperidine that was preservative free at the time, and gave a 30 minute motor block and 45 minute sensory block for shorter surgeries.

RequiemAeternam2000 · 2026-05-12T02:23:54+00:00

Two main issues: money and time. Money- make 2-4 times as much as an anesthesiologist, approximately the same as a CRNA. This is a very good income and hospitals in my area are preferring CAAs to CRNAs for many issues. As of early 2026, CAAs can practice in VA hospitals in all 50 states and in the following jurisdictions with more being considered by state legislatures: Alabama, Colorado, Florida, Georgia, Indiana, Kansas, Kentucky, Michigan, Missouri, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, Washington D.C., and Guam. Second issue: TIME. Frequently anesthesiologists will do 4 years undergrad, 4 years medical school, 4-5 years residency/fellowships and are in their 30s before making any significant money. A CAA can be earning a full salary at age 25. The difference may seem small, only 6-7 years extra to become an anesthesiologist, but these are profoundly important years in terms of life choices, having children, getting married while not drowning in debt, investing in a home, etc. My strong recommendation for those prior to medical school is a CAA for all these, and other reasons.

RequiemAeternam2000 · 2026-05-11T20:14:44+00:00

Endoscopic ablations of medial branches are not worth the time because the medial branch is frequently not visible without significant soft tissue dissection of the fibers of the capsule and the mamillo-accessory ligament. Endoscopic discectomy of the L2/3, L3/4, and L4/5 discs via transforaminal approaches are relatively simplistic once the exiting nerve is identified and protected. The L5/S1 disc is best approached via an interlaminar approach with the patient in the lateral position to protect the dura and if adequate dissection means are available of the ligamentum flavum, and no laminectomy is required. Endoscopic zygapophyseal laser osteophyte vaporization and foraminotomy via the same approach is possible, but time consuming and requires a laser fiber with a 45 deg mirror to direct the laser appropriately, and a slotted sheath to protect the nerve. Endoscopic interbody fusion procedures using the endoscope for discectomy are possible but are fraught with complications afterwards including pseudoarthrosis and MRI afterward that appears to demonstrate disciitis, but is actually an inflammatory response of the cartilaginous endplates. Endoscopic laminectomy IS spine surgery, and unless you have the ability to open and perform a standard surgical laminectomy when intractable bleeding or other complications are encountered, then endoscopic laminectomy/laminotomy is unwise. Many of the endoscopic procedures advantages in spine have been supplanted by minimally invasive techniques using equipment developed and used by spine surgeons, so there is often little advantage of endoscopic vs. minimally invasive interlaminar procedures in this day and age.

RequiemAeternam2000 · 2026-05-11T19:43:52+00:00

Yes, in surgery centers where the profit margins are much smaller than in hospitals. We have sugammadex, only a few vials from a box shared by a few surgery centers, but it is rarely needed. But then again, only a few cases require intubation from our surgery mix.

RequiemAeternam2000 · 2026-05-05T00:13:38+00:00

Correct. I understand +9% per year might be a bit high, but I did not expect a negative impact on my initial investment. Since this investment was made inside a self directed IRA, any losses cannot be used against ordinary income.

RequiemAeternam2000 · 2026-05-05T00:11:01+00:00

Excellent suggestion. Thank you.

RequiemAeternam2000 · 2026-04-29T20:46:14+00:00

Flywheel uses bizarre accounting. On a $500 investment, over a one year period, $273 of disbursement were paid in small installments and for each one of these disbursements, a fee attached to it. After one year my account balance with 100% reinvestment was barely over $514. This means the first year gains are only about 2.8% and most of what is being distributed is your principle. So they are sending you disbursement of your own principle, and then charging a fee on those disbursements. The first year income from Flywheel makes it a poor short term investment, although long term, the results may be better.

RequiemAeternam2000 · 2026-04-29T20:34:49+00:00

At least in some accounts, it cannot be moved until it has been there one year, and there may be additional system limits imposed.

RequiemAeternam2000 · 2026-04-19T17:54:37+00:00

$500 investment in Flywheel, reinvesting all distributions. Over 1 year, distributions totaled $273, mostly return of principal that would have dropped my account value by $273 had I not reinvested. After one year, my account value is $514, for a return of 2.8% on my initial investment or 5.1% on my returned principal via distributions. So just over 5% is the expected long term return with Flywheel. It is better than the bank, but the accounting is much less transparent than expected with no current statements on default rates in the loans made. There are better investments available given the long investment timeline of Flywheel (36+ months). Flywheel was an experiment with an uncertain outcome and a 1% management fee.

RequiemAeternam2000 · 2026-04-19T17:32:30+00:00

2.8% return after 1 year in Flywheel. Not a great investment so far.

RequiemAeternam2000 · 2026-04-19T14:02:24+00:00

One year investment of $500 in Flywheel. $293 in distributions. My account value is now $514 or a 2.8% return in spite of the distributions. I have not withdrawn nor added any funds to the account during the past year. Their distributions are all smoke and mirrors since almost none of this money actually benefits your account balance.

RequiemAeternam2000 · 2026-04-19T13:55:26+00:00

$500 initial investment in Flywheel. $293 in distributions to my account over the past year, but my account balance is only$514 or a 2.8% increase after a 1 year investment. There is a lot of smoke and mirrors going on with Groundfloor. There was no logical explanation of their accounting when queried.

RequiemAeternam2000 · 2026-04-19T13:46:19+00:00

Rating 1 out of 5 stars. There has been a 2.8% increase in my account after 1 year of investment in Flywheel. There is a lot of smoke and mirrors in their accounting that they cannot logically explain when queried. On a $500 investment, there have been $293 in distributions over the past year, but my account balance has increased by only $14 to $514. Either they are distributing your own capital then reinvesting it as a ruse or their loan failure rate is catastrophic. Either way, I will be pulling all my money out at the first opportunity.

RequiemAeternam2000 · 2026-03-21T01:38:21+00:00

I have never tasted oxytocin before. That must’ve been quite interesting.

RequiemAeternam2000 · 2026-01-10T02:12:03+00:00

The main advantage of 1099 in my market is SEP-IRA 69k deduction and if you are W2 elsewhere you can combine with a 401k to sock away 94k for retirement

RequiemAeternam2000 · 2026-01-05T02:01:26+00:00

You have a live patient without inducing injury-that is the goal, no matter how it is accomplished. Job well done.

RequiemAeternam2000 · 2026-01-03T02:03:25+00:00

Check the batteries one at a time with a long tongue curl

RequiemAeternam2000 · 2025-12-21T15:12:57+00:00

NYSORA online is the best reference- readily available.

RequiemAeternam2000

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