yconic - Finance, Discussion Topic
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uWaterloo FARM
Im a high school student trying to figure out what i'm going to go with my life. I narrowed it down to finance and was very impressed with the FARM course at uWaterloo. Im planning on taking english, religion, data, calc, adv func (done in gr11), accounting, personal finance, physics, and chem in gr. 12. The sciences are not a pre-requisite nor is it recommended. I thought about taking them because I would consider myself fairly good at both (estimated final mark around low 90's for each). Should I take these courses, or are they unneccasary and just going to add more stress. Or will these courses give me an advantage since there the more difficult classes. And if anyone else knows more about FARM and would like to share, you are more than welcome.
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UofT Math Apps in Finance and Economics
I am planning to attend UofT for this Mathematical Applications in Economics and Finance. On the UofT website, it says that the degree acquired from taking this program is "Honours Bachelor of Science (Physical & Mathematical Sciences)". With this degree, can you apply to high level economics and finance jobs in the future? What pathways (i.e. what degrees) must be taken in order to get high level economics or finance jobs? 
How does this degree compare to BBA or BComm degrees when job searching. I applied to this program because high level math courses and economics courses are included in the program. With this, I feel that there will be better job opportunities in the world of Econ and Finance as I will have a better understanding of key concepts, rather than an overall knowledge in business which is typically achieved through BBA.
Mathematics and Finance/Economics at UOFT
I am planning to attend University of Toronto for the Mathematical Applications in Economics and Finance program at St. George. If anyone know of, or has taken this program, I have a few questions: 
- Is this a good program if planning to do MBA or Masters of Finance after graduating 

 - Are there high level jobs that you can get after completing this program. What are some of the jobs that you get with this program (HBSc degree in Mathematical and Physical Sciences) 

- Do you recommend this program, and how rigorous is it?
What is the difference from a BSc degree and BBA degree when studying Economics and Finance?
When studying economics and finance in University, what is the difference between a BSc [Honours Bachelor of Science (Physical & Mathematical Sciences)] and a BBA degree. Which will allow for better and more high level job opportunities after graduation?
WE OFFER LOAN AT 3% INTEREST RATE
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How hard is it to get into Waterloo FARM program and what are some programs similar to it?
First Semester  
Computer Science: 89  
Advanced Functions: 88  
Religion: 85  

Second Semester  
Calculus: ~  
Accounting: ~  
Financial Security: ~
English : ~  

I don't have the best grades in the world and it's quite bad to be honest. None of my courses that I'm currently taking are in the 90s. Is it extremely hard to get into Waterloo's FARM program? What are some programs similar to what FARM program is offering for trash like me?
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AMA: Brock BAcc Graduate, Carleton MAcc Graduate, Big 4 Employee
My name is Neal, and I graduated from Brock's Bachelor of Accounting Co-op program in 2016 and Carleton's Master of Accounting program in 2017. I was a yconic Student Ambassador for 2016-17. Although I work full-time at PwC now, I'm still around answering questions about accounting as a career and universities. 

My co-op work experience includes:
-Corporate Accounting, Henkel (Germany)
-Assurance and Tax, Collins Barrow
-Risk Assurance, Ernst and Young

I currently work at PricewaterhouseCoopers in Assurance. . 

A snapshot of my time at Brock:  
-Served as an executive for several clubs  
-Participated in numerous internal/external case competitions and conferences  
-Served as a Tutorial Leader for Brock's first-year Macroeconomics course  
-Inducted into Beta Gamma Sigma (the top 10% of Goodman get invited)  
-Did co-ops and internships with 3 different companies in corporate accounting, assurance, tax and risk assurance located in Germany and Canada  
-Participated in a short-term exchange to France  
-Volunteered for the business school's Career Services office, where I critiqued students' resumes  
-Lived in residence (first-year) and off campus

A snapshot of my time at Carleton:  
-President of the Sprott MAcc Society  

Feel free to ask me questions below! Or you can add me on LinkedIn if you'd like to send a private message (https://www.linkedin.com/in/nsengupta).
Ask me Anything: Ivey HBA Transfer 2018 from another university
Not going to say my university of transfer.
It's from an Ontario university but it's not Toronto or Waterloo.

I've been in your position before. I really just want to help students make better decisions towards their careers so that they can one day contribute more effectively in their communities. 

I'm the  OP for this post linked below. I really encourage that you take a read on that one too! 
https://yconic.com/discussion/must-read-advice-to-high-school-students/ztpbJO8PekA05XSrK2DvMiblKK9zAaj8

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AFM Finance
Can anyone tell me possible careers in finance after graduating from AFM? Is it possible to do something like IB or eventually become a fund manager? Thanks.
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Student Loans
I was wondering how do student loans work? How do you apply for them? Do you have to pay them back after you are finished university? Or after you are finished a particular program?
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BIG DILEMMA: Medicine, Engineering, or Finance? All help is appreciated!!
Hi everyone, I am going into grade 12 this September and am still confused about what career field I want to get into. I am thinking between 3 very different fields, which is making my decision especially hard: Medicine, Engineering, and Finance.

Firstly, some background: I am a very hardworking student with grades in the low-mid 90s (aiming for high 90s in gr 12) with decent extra curriculars and volunteering experience. I am especially bright in math and science.

I have always had a great love and interest for the world of business, especially finance where my love for math merges with business. I feel like this is a field I would do really well in, however I know very, very little about the wide range of jobs available in this sector.

I always thought I would get into engineering since I like and am really good at science, along with math. I know that there are many different types of engineering that exist but I do not know which one would potentially be the best fit for me.

Lastly, becoming a doctor is something I've been very, very fascinated by as I've always been interested in biology, and especially how the human body works. I know that there are many years of hard work and effort that would go behind becoming one, which I am totally okay to take on, but just need to be absolutely sure that this is the career I want to get into before I get into it.


My dilemma is about what program I should take in university to prepare for my future career in one of these 3 fields. I currenty feel that the best idea is to do an engineering degree because: if I decide to become a doctor but don't make it to med school, I will have a back up job to go into with this degree. I can't do this by doing a BSc degree where if I don't make it to med school or decide I don't want to become a doctor, the degree would be essentially useless. At the same time, I've heard it's possible to go into the field of finance with a background in engineering as I can get an MBA later, but it doesn't work the other way around where I can't go into engineering with some type of business degree.

The reason I have a problem with doing an engineering degree however is that it matters where I do the program. I would preferrably like to go to a fairly easy university if medicine is where I want to head into as it would allow me to achieve a higher GPA for when I apply to med school, than I would at a really tough uni such as U of T or Waterloo. But, if I decide later on down the road that engineering is right for me, I would have rather just worked hard at a really top tier uni and graduate with a degree from there which would look much better than a degree from an easier/lower tier uni. If however I decide that my calling is in finance, I feel that I would benefit the most from an actual business degree.

I KNOW THIS MAY SEEM CONFUSING TO UNDERSTAND MY THOUGHT PROCESS (WHICH I APOLOGIZE FOR), WHICH IS BECAUSE I'M SO CONFUSED MYSELF. I would SO GREATLY appreciate any and all help regarding what program I should try to get into and how tough of a university i should get it from, as I don't want to make the wrong decision and screw myself over for my future. PLEASE AND THANK YOU TO ALL IN ADVANCE, YOUR ADVICE IS VERY VALUABLE TO ME.
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5th Year Brock BBA/BAcc Co-op student, ask me anything! (IB and Big 4 Co-op)


I'm basically always on here so figured might as well make one of these and help out any prospective students.

Background:
- First 2 years spent as BBA Co-op student, secured first coop term through BBA
- Transferred into BAcc Co-op after 2 years
- Currently DONE school

You kinda get the best of both worlds since I have been in all (both) the programs offered at the Goodman School of Business!

And since I know these are gonna be popular Qs:

WHEN SEARCHING FOR 1ST CO-OP:
- Avg (both major and overall) ~80%
- ECs: Leadership position in a club, some entrepreneurial stuff, sports stuff
- Work XP: General accounting internship at no-name organization doing very basic stuff, manual labour

INTERVIEWS:
Since attending Brock, I have received interview requests from:

Company / Quantity / (Co-op vs summer intern, Location) 

RBC x 3 (Various positions, co-op x2 and summer intern x1, Toronto)
Big 4 Audit x3 (1x Co-op and 1x Summer intern, Toronto...1 x Co-op in Calgary)
Big 4 Summer Leadership Conferences x2 (Toronto)
CPP Investment Board x2 (Summer Analyst, Toronto)
Scotiabank (Co-op, Toronto)
Grant Thornton Audit (Co-op, Toronto)
Canadian Tire (Co-op, GTA)
Ontario Securities Commission (CPA position, summer intern, Toronto)
Mercedes-Benz Financial Services (Co-op, GTA)
TeamBuy .ca (Summer intern, Toronto)
Imperial Oil (Co-op, Calgary)
Suncor (Co-op, Calgary)
Regional CPA firm (Co-op, Hamilton area)
Small CPA firm (Co-op, Niagara region)
Publicly traded minerals company (Co-op, Toronto)
OMERS Pension Fund (Co-op, Toronto)
Big 5 Canadian Bank Capital Markets x2 (Co-op, Toronto)
Husky Energy (Summer intern, Calgary)
Accenture Consulting (Full time, Toronto)
McKinsey Consulting (Full time, Eastern Europe)

AT TIME OF APPLYING TO UNIVERSITY (September 2012 Entry):
- Rejected from BAcc Co-op
- Accepted to BBA Co-op with 83.5% top 6

WHEN LANDING BIG 4 AUDIT CO-OP:
- Joined B4 Audit in January 2016
- Done 8 months of co-op, not at an accounting firm
- Major average ~85, overall ~80+
- ECs, unchanged from when applying to first co-op
- Completed a couple certificates in excel

ADVICE FOR CURRENT STUDENTS WHO WANT TO GET INTO B4 BUT DIDN'T/WON'T FOR THEIR FIRST COOP:
- Get public accounting experience somewhere else. This is basically a must. I believe I was the only upper year hired from my school into B4 this past term without prior public experience. It's something I noticed during recruiting
- If you have the above, grades matter a bit less. Yes you still want to do as best as you can, but a high 70 is OK enough if you have prior XP. An 80+ is still ideal though
- Be prepared to explain why you left your previous employer (and don't speak poorly about them)

That's basically it. So feel free to ask me anything and I'll try to answer your Qs as best as I can!

*Even if nobody has posted in this topic for a while, feel free to do so, chances are I'm still lurking on here


I need of guidance. (Marks, University Options)
What finance or engineer schools will accept me with these marks? Should I stick with biology or go for an easier course to boost my average? Should I retake English/Functions? I really want to go be in Queens or Western finance or possibly Waterloo Engineering. 

Top 6

12U Functions - 84
12U English - 80 (retake)
12U Physics - 94
12U Chemistry - 94 (retake)
12U Calculus - Will start in summer school July 3rd. I hope to get a 92 atleast.
12U Biology - I haven't started in this. (Aim for 90)


(Waterloo Side) Math and BBA Double Degree vs Western BMOS/IVEY
I'm having an extraordinarily difficult time between choosing the two programs. My math isn't the greatest even though my high school advanced and calc marks were in the mid-90s and I'm afraid I won't be able to handle the difficulty of Waterloo's Math. However, my final goal is to work in the finance sector either Investment Banking, Hedge Funds, or Sales and Trading. I heard that Waterloo sends hundreds of students especially with DD to the United States where I want to work at in the financial sector. If possible can you enlighten me about the pros and cons of each program and which one I should choose?
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Carleton Commerce
Was just wondering how is it and if it's worth going to. Also wanted to know how the social scene is at Carleton. Also is it better than Guelph, Brock BBA co op, and uOttawa finance.
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Cost of living
Hey guys,  
I'm moving to Toronto for school in September and was just wondering what the average cost of living is for students? I'm going to be living in residence first year and I have a meal plan, so I don't need to know rent prices. Obviously it depends on the individual but I'm just looking for a general amount of how much I'm going to spend over the eight month on all my expenses. I don't need to know rent/residence or tuition prices but I'm looking for an average yearly cost of things that I'm going to have buy while there (example- groceries and other necessities) 
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FARM (Waterloo) vs. Mathematics and Statistics (McMaster)
Hey guys, I've been admitted to the Financial Analysis Risk Management Program at Waterloo and to the Math and Statistics Program at McMaster (major in financial math and actuarial science). I'm debating between which one to go to and I would appreciate any advice or recommendations. Thank you!
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Ivey Rejections
I understand that majority of the final offers went out today. I was not accepted and I also know that there will be a very small amount of offers rolling out until the deadline. At this point I'm assuming I am getting rejected. I would like to know will they send out all rejections after the acceptances or will they also be rejecting on a rolling basis? I really just want to get a final decision made so I can make my choice.
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business/commerce admission
Hey everyone! I just had a lot of questions so thought would ask it here. 
So I am gonna be applying to all the business schools next year( taking a 5th year cause needed to complete my requirements)  and my top choices are Ivey, Queens, Laurier double degree financial maths, laurier bba, schulich, Mcgill 
1. I will be retaking English so do they penalise it or just count the highest
2. Do they count online courses equally?
3. So for financial maths DD it shows you need 80 above in both maths and rn i have 87 and 86 in functions and calculus but my overall average is above 90 will i still make the cut off or no? ( Ik my maths marks are not the greatest)
4. What is the solid average acceptence avg for all these uni?
 
these are my ecs:
4 years work as a recptionist
1 year and half working as a cashier
1 year club soccer and 1 year school soccer
did a summer job as rogers salesman
1 year volunteered as a event manager for low income housing kids
also hoping to get some more ecs next year

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Laurier Transfers
Hey I got into the Laurier BBA/BA program and was wondering how difficult or flexible laurier is in terms of transferring into a different DD program (BBA/BSC at laurier) or regular BBA program after you start the school year? Any help would be greatly appreciated!
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Laurier BBA/BA
Got into this program in february and have been doing some research but can't find a lot about it online. Anyone have information about this program? Such as pros vs cons? Is it good for going into finance or investment banking? How hard is it to get a high GPA? etc. 

ANY INFORMATION WILL BE HELPFUL THANK YOU!!!
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UWO Econ + AEO/Ivey 2nd year internships??
I was wondering if anyone knew if it was possible to get an internship in finance after completing 2 years of an Econ (sosci) degree before Ivey HBA at UWO, or would I have to be in BMOS to get an internship? 
Also if there are any upper year students who could comment on their internship experience, how they got it etc.  
Thanks a lot in advance!!
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