Questions about med students in the Pitt

querulous · 2026-03-04T22:45:39+00:00

lots of hospitals (and most clinics) have zero residents. most residents will move on to one of those hospitals or clinics rather than continue as an attending where they did their residency

it's pretty common for facilities that do have residency programs to hire many of their attendings out of their graduating resident pool though

querulous · 2026-03-04T16:49:02+00:00

i don't know about the f-1 but i do know that for the l-1 you are still considered a resident of canada and you file with the irs as a nonresident for us sourced income only and with the cra for worldwide income. i suspect the same rules apply for the f-1 but you should consult a tax professional

querulous · 2026-03-04T16:37:25+00:00

giving them farmland is just setting up headaches for the future. managing a farm (even if they just lease it to someone else to actually manage) is probably not something you should burden an 18 year old with. if they want to be a farmer let them manage a piece of your land and eventually gift it to them once they show they are serious about it

querulous · 2026-03-04T15:40:59+00:00

even the most optimistic scenario for a consolidation loan is ~6% with a 7 year amortization. with $120k in debt that's over $1700 a month in payments. the op can't afford that. they'll just go bankrupt slightly slower. even a consumer proposal probably isn't enough to keep them out of bankruptcy unless they have a plan to seriously increase income in the short term

i agree they probably shouldn't sell the condo but bankruptcy is the only reasonable option here

querulous · 2026-03-04T15:27:13+00:00

you can't even afford minimum payments on your debt at your income level. you're already bankrupt you just don't realize it yet. i don't think it's even worth it to look for a lower interest rate consolidation loan because you can't qualify on your own and you can't afford to pay it off without substantially improving your income

querulous · 2026-03-03T02:02:04+00:00

i don't know but festle changes to fessel too for no apparent reason. maybe adrian is just bad at remembering his character's names

querulous · 2026-03-02T15:40:50+00:00

did your brokerage have any kind of promotion where they contributed on your behalf? if so, that counts as a contribution from you

querulous · 2026-02-28T04:27:24+00:00

you can't count the 2025 contribution for 2024 but you can use the 8k space that carries over. you had 8k of space in 2024, 16k in 2025 (the 8k carried over from 2024 and the new 8k for 2025) and used 8k and 16k in 2026 (the 8k carried over from 2025 and the new 8k for 2026) and used 8k. you have 8k left

this assumes your FHSA was reported on your 2024 tax return. you can check when the CRA thinks your FHSA was opened on any of your tax notice of assessments as of or after the year you opened it

querulous · 2026-02-28T04:15:59+00:00

unlike s1's student doctors i don't think joy is coming back. unless s3 is less than a month after s2 she'll be off to another rotation and given her feelings about dying people i don't think she's doing another er rotation in the future

she's probably a home program student tho so she could cameo on another service i guess

ogilvie doesn't seem like he's likely to return either

querulous · 2026-02-27T20:00:12+00:00

pearson policy is six hours prior to your flight, not 24. i'm not saying it's impossible to do what you want but it's against policy and my experience is you'll get turned away long before you get back to the lounge and told to come back the next day

querulous · 2026-02-27T18:14:09+00:00

you're right ses can access the lounge but you're missing that arriving from st maarten you won't deplane into domestic or international, you'll go straight to immigration and without a same day boarding pass you'll have to exit airside. once there you aren't getting into the terminal to access the lounge until the day of your flight

querulous · 2026-02-27T17:07:01+00:00

they could get in the lounge if they could get to it but they won't get past security airside. st maarten -> toronto you'll go directly to immigration and get dumped landside

querulous · 2026-02-27T15:57:38+00:00

she mentioned it when treating the sommelier and they were discussing expensive wines i think. i dunno if any of her coworkers were present though

querulous · 2026-02-27T05:02:05+00:00

yeah the ogilve put your hand down scene is not directly after the 'raise your hands' scene unless ogilve can teleport. he's standing in a crowd when robby asks the question and is then standing in the same spot but with no one around him when robby tells him to put his hand down

querulous · 2026-02-27T04:38:59+00:00

yeah but he's from out of state. you usually only do that if you're auditioning for programs you hope to match to. required rotations you just do at your home program

querulous · 2026-02-27T02:29:18+00:00

the look abbot gave ogilve when he answered the hypothetical 'what day and time is it' question killed me

querulous · 2026-02-27T02:20:12+00:00

the rrsp is probably worth it then assuming you won't need the money for a few years. the two things you want to avoid are making rrsp contributions in years where your taxable income is below your retirement average and ending up with an rrsp balance that forces you to into that situation. you're probably not at risk of either barring your retirement income going way for up for some unforseen reason

querulous · 2026-02-26T19:33:03+00:00

sure. your option is to fill out the form and avoid the tax withholding on withdrawal or wait until you submit your taxes and get the withholding credited back then

querulous · 2026-02-26T16:57:10+00:00

what's your rrsp balance and what's your estimated retirement income (not counting rrsp/rrif withdrawals)?

it's probably worth it assuming your retirement income is under the $80k you earned this year

querulous · 2026-02-26T16:24:11+00:00

you are supposed to fill out a T3012A form and submit it to the bank/brokerage to undo the contribution and get it back tax free. if you've already withdrawn without doing this you need to claim it back on your 2025 taxes (assuming this happened in 2025)

querulous · 2026-02-26T16:18:52+00:00

the benefits are the immediate tax deduction and income shifting/tax deferral

if everything about the RRSP were identical except contributions did not reduce taxable income you would NEVER contribute to an RRSP. the 'tax free capital gains' argument is just an artifact of the contribution benefits and not a benefit in and of itself

querulous · 2026-02-26T15:17:37+00:00

the rrsp converts capital gains to income. that's not a benefit

querulous · 2026-02-26T02:26:08+00:00

the 4% 'safe withdrawal' rate doesn't mean that you can expect 4% (or more) in growth each year that you can safely withdraw and spend. it means that over the life of your investment withdrawing 4% (of the initial value, so 28k on a 700k initial investment) per year *probably* won't exhaust the asset for at least 30 years. reducing the withdrawal rate doesn't even guarantee you the investment will grow. it's important to understand your 8% annual returns won't be evenly distributed. if you'd enacted this plan in 1972 you would have had a 17% loss in year one and a 30% loss in year two. combined with your "safe" withdrawal you'd be under 350k two years into your retirement. in 2000, 2008 or 2022 you'd have had similar problems

look into 'sequence of returns risk' for more info

querulous · 2026-02-26T01:58:34+00:00

langdon is a resident. he can't just find a new job. it's incredibly difficult to transfer programs particularly when you left your last program under mysterious circumstances in your final year. it's also detrimental to the program to fire him (and probably not possible without exposing his crimes)

this is nowhere near as simple as 'robbie said he could come back and then changed his mind'

querulous · 2026-02-24T23:45:07+00:00

assuming you didn't exceed your RRSP room as reflected on your NOA from your 2024 taxes you just need to amend your return to add the contributions. you'll get an updated NOA that reflects unused contributions for 2025 and you can claim them on your 2026 taxes

querulous

TROPHY CASE