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Everything posted by harveyspecter993

  1. This sort of sounds similar to how banks get skittish when they see that an applicant has a lot of recent credit inquiries. The fact that the debt is untapped is not the issue. The underwriters are making assumptions about you (unfair they may be) because you've taken out a lot of credit lines.
  2. When I was applying, Scotia made me close my credit accounts (even my scene visa oddly). But I got 10k on two new credit cards. At least when I applied it was standard to have to close all your pre-existing credit cards. Did they make such a request of you?
  3. I don't understand. Did they want you to have a higher utliziation ratio on your credit cards?
  4. https://www.linkedin.com/jobs/view/litigation-counsel-at-bell-1676572482/?originalSubdomain=ca It's expired but just an example of what's out there.
  5. Are you practicing at the same company you articled for or another in-house role?
  6. I'm just curious, what's the rationale for punishing a whole firm for the actions of a single lawyer?
  7. What are some of these practice areas getting shat on? I've only ever heard students shit on PI, and even then there was an acknowledgment that PI lawyers can make a lot of money.
  8. I know people who keep a suit at the office, bike to work and change when they get there.
  9. How varied was your course selection? Did you have mostly corporate courses or did you branch out? Courses are a great way to demonstrate interest in different practice areas.
  10. What does "rich" mean to you? Seems to me that the term is fairly subjective and your classmates had a different understanding than you did with respect to what it means to be wealthy. You seem to take issue with the fact that their definition was different from yours.
  11. Ditto. In my cycle, a prof I'd had in mind decided to take a sabbatical but I'd began reaching out to referees early enough that it wasn't an issue and I could just go to the next name on my list.
  12. When I was applying, U of A waited for my final year 1st semester grades before giving me an offer. They told me that was their policy. Not sure if it's changed since.
  13. Oh man back in my day you only got to choose between the amex and scotiagold passport. I would have killed for the infinite.
  14. I average $200-$250 a month and I eat very well. If you cut down your food budget you could have an extra 4-5K annually to invest.
  15. I just happen to have an interest in budgeting and money-management and like to learn from other people. I'm probably going to put off starting a family until my mid-30s due to how expensive it is and so when you mentioned the costs of "supporting a family" I was curious and wanted to learn more.
  16. What value of home do the richest lawyers live in?
  17. I never tire of Dave Ramsey's brutal takedowns. It's not a flawless analysis but still hilarious:
  18. You mean I shouldn't use a HELOC to pay for my wedding? https://www.nytimes.com/2018/05/09/fashion/weddings/how-to-get-help-paying-for-your-wedding.html
  19. NY is much fairer because you get cold-offered instead. Imagine moving into a fancy new apartment when you get hired back only to be let go 6 months in and suddenly be in a financial crisis. Granted you'd be cold-offered in your 2L summer but you'd still avoid a nasty surprise.
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