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Everything posted by harveyspecter993

  1. My credit limits are still at 10K and my score is over 750. My utilization ratio is 0% because I pay the balance off in full every month. With that record I don't see why I'd have my limits suddenly reduced but I'll post an update if they are.
  2. I like those big stopwatch timers they have up on the projector during exams. It's a great way to keep track of time.
  3. Are you saving/investing along the way or focusing exclusively on loan paydown?
  4. How long ago were the late payments? They're supposed to be wiped off a credit report after six years. Depending on how long ago they were, you could just run down the clock, work and save money, which will reduce your debt in the long term anyway, and then reapply to law school. But before considering that you should exhaust all your PSLOC options first.
  5. Could you elaborate on the not getting rich part?
  6. It's fine as long as said person doesn't complain about cost of living. There are too many people who shop at whole foods, live ritzy apartments when there are cheaper options available and then complain about how their city is "so expensive".
  7. I don't want to detract from the thread too much but In my experience, people who are committed to saving and investing money will find ways to do so no matter which city they live in. The problems start when people insist on living a certain lifestyle because they feel they deserve it.
  8. You can split a two bedroom with a friend. There's always a middle ground between extreme options.
  9. 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.
  10. 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?
  11. I don't understand. Did they want you to have a higher utliziation ratio on your credit cards?
  12. 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.
  13. Are you practicing at the same company you articled for or another in-house role?
  14. I'm just curious, what's the rationale for punishing a whole firm for the actions of a single lawyer?
  15. 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.
  16. I know people who keep a suit at the office, bike to work and change when they get there.
  17. 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.
  18. 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.
  19. 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.
  20. 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.
  21. Oh man back in my day you only got to choose between the amex and scotiagold passport. I would have killed for the infinite.
  22. 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.
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