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About jjp

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  1. As to what LSAT score: what does it matter? Try your best, study as hard as you can, and get the best score you can achieve. If it is sufficient to get you into law school, that was the score you needed. There are several schools that take into account your B2 or L2, you've listed a few. TRU, Sask, U Calgary all tend to be more holistic, though they're west/central and so far you've only listed east coast schools. Many schools have discretionary categories, so you're best off just doing the best you can, targeting schools / regions / markets you'd like to actually practice in, and just let the chips fall where they may.
  2. Which do you want to do? Going through the rigour of law school for a paycheque is a bad idea. If you truly want to practice law, then it's the only way to reach that end.
  3. @WannaBeBanker makes an excellent point about paying off the debt each month, and in the context of having access to the PSLOC I agree, however beyond the period of time that funding is available, it's not always possible to pay off the balance in full. In those cases, a traditional credit card provides an advantage over charge cards, where the former typically has ~20% interest and the latter up to ~26% (a major difference to me!). With that said, I wasn't aware that the Scotia Amex operates like a traditional credit card, thanks for that info!
  4. @SneakySuspect It's important to remember that an AMEX isn't a traditional credit card, it's a charge card. The penalties for carrying a balance are severe. Yes, absolutely, there are perks for using an AMEX but there are many cons as well. It depends on how you use credit. I won't say one is better than the other (Visa vs. Amex vs. Mastercard) on its face, but each are different (though marginally, between Visa and M/C, which are both traditional credit cards). As to your question re: multiple credit cards, my understanding, and someone who is more informed than I am please feel free to correct me, is that number of credit cards is less relevant than your credit utilization ratio. Apart from perhaps whatever dings your credit score takes from the hard credit pull during the application process, whether you have multiple cards totalling, say, $10,000 or one card with a $10,000 credit limit is a nebulous difference. What matters is how much of that $10,000 you use regularly, and, perhaps more importantly, how much balance you carry month to month.
  5. @BlockedQuebecois as a small business owner, I know how expensive the transaction fees are for the shops that accept them (which, incidentally, fewer are), and I mostly shop at small mom and pop type places, including for groceries. I don't doubt anything you've said, but I so rarely use any of those perks, even the rewards I hardly use, so it's better for me just to have one card with a higher limit.
  6. To add to the earlier comments, particularly @TheSaskConnection's great breakdown, I did some shopping around as well, and the top two were TD (who I bank with currently) and Scotia (who I've decided to move forward with). TD offered me 120K at Prime, converting to a 20 year amortized loan (if the balance was over a certain threshhold, I think $10k, otherwise it was a 10 year amortized loan). They agreed to waive the fees on the rewards card I currently hold, or supply a $10k credit card with no fees. There were interest only payments required until one year past articles, when the LOC converts to a loan in the manner described earlier. Scotia offered 135k, objected not at all to my request about prime, where they initially quoted prime +.25%. They offered me the same credit cards described earlier, however I don't want an AMEX so they were willing to have all 10K worth of credit assigned to the scotiabank card. No payments at all are required until a year after articles, at which point the loan converts to a 10 year amortized loan, or if the balance is under $10k, a 5 year loan. I shopped around, and used the information I gained from my meetings to leverage better offers at the banks. You should too!
  7. Rejected, they said my GPA was 3.13, though I have no idea how that calculation was derived (I had an issue at another school, where due to some of the eccentricities of my undergraduate transcripts my GPA was initially reported as a 2.8 and then changed to a 3.9). Not a hill worth dying on for me, so I'll let it go. Best of luck to others! LSAT 166.
  8. when is the deadline to apply for BC student aid?
  9. I was told that all those who received offers before March 15th are considered for admissions scholarships. Decisions would be made by the end of the month.
  10. got an early offer of admissions, though they initially mis-evaluated my transcripts (having given me a 2.8 GPA initially!!). 3.9 / 166. Have declined.
  11. what?! What schools are you looking at that don't require LSAT scores? Perhaps french-speaking civil law programs in Qu├ębec, but the vast majority of english speaking schools do. The only exception I can think of is McGill, and even then it's strongly encouraged.
  12. I'm in exactly the same position, with slight differences as to where I've applied and been accepted to. I've received admissions offers from TRU, U of A, and U of C, with hopes of receiving an offer from UBC through the discretionary category. First, let's take UVic out of the equation and assume you need to make a decision between Queens, U of A, and U of C. This mirrors very closely the choice I had to make, and I chose U of C. Aside from having family there, which obviously forms a part of my calculus, I opted for U of C due to the close proximities of the Calgary / Vancouver legal markets. Many firms have offices in both cities, and flights are quick between Calgary and Vancouver, so networking in Vancouver should be simpler than it would be were I to attend U of A. Queens is a great school, but since your interest is in practicing in BC, I feel like the distance from that market makes it a less attractive choice. Re-inserting UVic into the equation, I'd likely choose UVic over all other schools, with the exception of UBC. UVic is a fairly inexpensive school, for starters, and has an excellent reputation both nationally and in the region. You'd be very close to the Vancouver market, and could travel very easily by ferry from Vic to Van if that's what you wish. Of course, you mentioned wanting to practice in BC and not Vancouver specifically, so if you're interested in a smaller market, I'd think being in the province is that much more important. Between UBC and UVic is a more difficult choice. I'd lean towards UBC if you intend to practice in big law, or in Vancouver, but if you'd like to practice at smaller firms then it's a wash, most likely. Good luck! Congrats on the acceptances so far!
  13. Everyone is getting a job at a law firm. Few people are travelling to Iran to work for charities there. That's a far more interesting line on your resume. Do it.
  14. I still don't think that will have a bearing. Ostensibly you'll have applied under an access category, and so they won't evaluate a 157 accommodated score as somehow lesser than the same or lower score without accommodations. That would be counter to the entire principle of seeking accommodations in the first place. At any rate, re-writing is a good option for you. Take those accommodations, they'll remain on your file. Study hard, get a tutor, and best of luck next cycle if this cycle doesn't go as planned! With that said, it's still fairly early, there will be lots of movement with waitlists through the summer, so don't give up hope just yet.
  15. you can always go back to law school later in life. If you found the work fulfilling in public policy, you have an opportunity to study it for free, and you have a job lined up, seems like a pretty safe bet to me. With that said, your concerns about law school seem to revolve around whether you'll do well enough in law school, and that's an uncertain outcome you'll never correct without simply going to school and doing your best. Evidently you're a bright young person, who is motivated and organized. These are great qualities to have in law school. Everything else is unknown, for everyone, so don't let yourself be dissuaded from law school simply because you think it will be difficult.
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