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Everything posted by BlockedQuebecois

  1. Going over your credit limit once will not even appear on your credit score – it's usually not reported to the rating agencies unless it's a common occurrence or you have some other infractions (not paying it off, for instance). It would likely be best to reach out to your banking institution to inquire about the possibility of having an overseas cosigner.
  2. Scotia's standard rate is prime+0.25%. The fact that they're unwilling to offer you this (their opening offer to nearly everyone else) suggests that you have some credit history which is changing the terms of the loan. If that's the case, they won't accept the premise that other people got lower offers means you should too. Even if that weren't the case, I can't imagine they would accept someone else's offer as a comparable for you. It's like going to a BMW dealership and complaining that they won't give you (an unemployed homeless 20 year old with 3 bankruptcies to your name) a lease when they just gave that guy (a billionaire real estate magnate) 2% APR.
  3. Couldn't disagree more. Research experience, which is one of the most valuable things one can get at a university, is vastly easier to come by when you attend a large school. This is especially true if you're hoping to attend graduate stuides (and to add, anyone that thinks school prestige doesn't matter when you're trying to get into a prestigious masters or PhD program is kidding themselves). It's also incredibly foolish to attend your undergraduate with a plan to go on to pursue graduate or professional studies and have no plan for if you fail to get into your program of choice. When you're rejected from law school three times and left standing there with your BA in Critical Thinking from Laurentian you'll sure wish you had taken that offer to attend UBC's engineering program.
  4. Study harder? Be smarter? With the amount of information you've given us there's no way anyone could give you meaningful recommendations.
  5. Do you have documentation to support the LSAT portion specifically? If you do, I think it's a tough call. They may look past your LSAT because of the anxiety and admit you, but they also may see it as indicative of your future performance in law school (where 1L, at least, is almost entirely exam based). A successful rewrite in which you score significantly higher (which should be possible sans-anxiety attack) would almost certainly help you. That said, a rewrite with another panic attack would likely hurt you, and a rewrite without a panic attack resulting in the same score would remove your access claim regarding the LSAT specifically. I'm not sure I can provide much more advice than that. If you think you can write again and do better then I'd suggest you do. If you think one of the other scenarios is probable I would advise against it. All that said, you may also want to give some consideration to how you think you could handle law school. If you haven't already, it may be worth sitting down with your therapist to discuss what happened with the LSAT and strategies you can use to overcome this anxiety during a rewrite or 1L exams. Best of luck!
  6. Does your access claim explain your poor LSAT performance? Because that would significantly impact whether a rewrite is necessary or not. If, for instance, you had a learning disability that makes reading more difficult, and you had applied for but were denied accommodations on your LSAT, I expect more holistic schools would be willing to disregard your LSAT.
  7. Out of curiosity, what does the government constitutional branch do? Is it "just" providing guidance on constitutional matters to the government?
  8. There's pretty good data out there supporting high employment rates and and good salaries for lawyers. You'd have to be exceptionally unfortunate or inept to not make back your investment. Also, are you really the one to bash speech/tirades? Feels like you're playing with a catapult in a glass house. Though perhaps that's your definition of courage.
  9. Brilliant response. Being accused of having an "evidence based decision making" dogma is probably one of the best compliments I've received on this site. Thank you. You'll forgive my grammatical error after 18 hours of work. If we're critiquing writing I could point out that you overuse the term "I think" to the point of exhaustion, but I like to think we judge ideas not grammar around here. Then again, maybe all you learned in the UK were grammar rules?
  10. Sigh, many assumptions of bad faith in a single post. Come on. 1) A correlation with success does definitionally mean that it is "indicative". 2) 1L success is almost certainly correlated with 2L and 3L success, so I think the studies work just fine. 3) I've read the studies. Seriously, assume good faith if you want to have an actual discussion. 4) I agree that schools rely to heavily on the model. But Craig didn't forward that argument. He forwarded the argument that they have absolutely nothing to do with law school success, which is absurd. 5) You question weak data with data. Not with anecdotal responses like "then how did I get through?" Though I don't agree that the data is all that weak. Even the studies I've seen bashing the LSAT start from the premise that the LSAT is actually a pretty good predictor, and then carry on to argue that it's relied upon too heavily – again, an assertion I agree with, but one that wasn't forwarded here.
  11. I do believe in the LSAT and GPA as predictors of success, because I've seen and read the studies on their utility. It's not being "selective about reality", it's called "evidence based decision making" – you should try it out one day. Now if you've got data that disproves the utility of GPA and the LSAT for predictors of success you're welcome to present it. I just doubt you do. Until then, I'll continue to call your anecdotal-evidence-based assertions ridiculous. Because it is.
  12. That's too bad. I would have been very interested to read them. If there's evidence of systemic discrimination like that you would like to think it's being examined publicly. I'm sure there are lawyers that are jealous of that sort of stuff. I'm fine with people choosing their lawyers based on whatever criteria they feel is most important, including race or sex or whatever. It would be impossible to police that anyways. The only time I see a real problem is if a client at a large firm requests certain lawyers be removed explicitly because of race/sex/whatever. That would seem to cross a line. Though to be honest, if they simply said they didn't like _____ (without mentioning the criteria), what are you going to do?
  13. I'll never understand why this is contentious. Do you think law schools are a charity? Do you think they spend hundreds of thousands of dollars each year evaluating candidates for admission based on GPA and LSAT despite them being completely irrelevant for success. Think about what you're saying. In a world where GPA and LSAT had absolutely nothing to do with law school success you could replace admissions with a lottery. You could literally put all the names in a hat and draw at random to choose who you accept, all without any negative impact on graduation rates or career success. Law schools wouldn't give hundreds of thousands of dollars to employees that could be adequately replaced by a lottery system. And let's explore this further. In your hypothetical world a high school graduate with a C- average and no higher education, who got every question wrong on the LSAT would be as likely to succeed at law school as the 4.0 Engineering major with a 180 LSAT. Does that sound realistic? Of course not, that's a ridiculous assertion.
  14. I work with doctors, their writings skills are often attrocious. Also, it's pretty clear that GPA and LSAT score are indicative of ones ability to succeed in law school. There's tons of research into this and it's absolutely absurd to insist that it doesn't "have anything to do with" law school success. That's like arguing that high school success is not indicative of university success. There's a reason we use previous grades to determine eligibility for higher learning.
  15. I tried to find these studies but couldn't find any for Canada. Could you link them? I'd be interested to read more on this.
  16. Ottawa lets you submit a small novel as your PS? Jesus, no wonder they take so long to admit people.
  17. Agree with @Ryn. If your reasons for going to law school are "I want to make the most money possible" then perhaps omit it (and also reconsider your desire to attend law school). But if you have a genuine interest in a field then that's fine to speak about. Most of my application to Osgoode was not "why I want to be a lawyer" focused, but I wrapped up my statement by expressing the area of law I'm currently interested in and trying it back to my major (IP law and biochem, respectively). The general implication of this is that I'm interested in some form of big law/boutique/in-house position, and I don't think that negatively affected my application. Certainly it didn't disqualify me. ETA: The statement doesn't need to be 2000, that's just the upper bound. There's no lower limit.
  18. Unless you have the best terms available on the market (or the best terms they'll give) then of course they'll be willing. The caveat being that you have to be willing to walk away if they turn you down. Go to another bank with the feature you want and ask them if they'd be willing to issue you a line of credit, contingent on transferring the balance (if you have one) and closing the previous LoC. They almost certainly will, since they make zero dollars off you having a line of credit at a different bank. Then either accept their offer, or take their offer to your current bank. Say that you'll be transferring your LoC and cancelling your account with them unless they can match the offer. If they say yes, stay with them. If they say no, leave. Note: you can really only do this once before the next bank will be hesitant to lend you funds again. Second note: you can also do this following graduation, if you want to.
  19. You'd think the POTUS would have someone at OLSAS they could call.
  20. It's possible to obtain high grades in all majors.
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