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About jjp

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  1. How do ITC work? If they've gone out for a firm already, is that a guarantee there are not more to come from the same firm? Or do they go school by school or some other principle? Congrats to everyone who has had success so far!!
  2. I'm curious to know what the wisdom is in networking with firms after OCI but before in firm invitations are extended. I still have more questions I'd like to ask people at the various firms I've had OCI with, however the in-firm call day butts up against the black-out period and I'm concerned that if I wait until I have in-firm invitations (should I be fortunate enough to receive any), I will be precluded by the black-out period from interacting meaningfully with the firms.
  3. I think the poster was using the term interview to refer to OCI, whereas you appear to be using it to refer to in-firm interview. I am curious to know how you got an in-firm interview from Whitelaw already, did you not participate in OCI with them?
  4. I applied as a mature student, 2L now. I really enjoy the faculty and encourage you to apply!
  5. Ah got it. No, I did send a thank-you but did not hear back afterward from AHBL, but did from all others. I wouldn't read too much into that. Good luck on your recruit!
  6. I was under the impression most, if not all, firms are following the guidelines and not sending in-firm ITC until closer to call day. AHBL told me specifically they’d be concluding all OCI before calling anyone. Have you heard differently from other firms?
  7. 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.
  8. 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.
  9. @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!
  10. @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.
  11. @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.
  12. 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!
  13. 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.
  14. when is the deadline to apply for BC student aid?
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