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scottbeowulf last won the day on December 1 2018

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  1. I was leaning loafers, jeans, and cardigan... I always find I'm more comfortable being underdressed than overdressed. Unless... https://media.giphy.com/media/InnhGR1ylZjby/giphy.gif
  2. Like the comments above suggest, the value you'll get out of a prep course depends a lot on your learning style. That being said, to answer your question directly, Harvard Ready does teach a particular method. The repetition just helps that method become muscle memory. If your golf swing is fundamentally flawed, no amount of repetition will fix it. Conversely, if an instructor teaches you how to improve your swing but you never practice the technique, you will not improve either. I took Harvard Ready last summer and improved my score by 10 points. I highly recommend it.
  3. I've lived in the Assiniboine Apartments for the last year. I was hoping to move into the commons next year but they don't have any two-bedrooms there (and I need a room for the tiny human). There are pros and cons. Both the apartments and the townhouses are a little run down and the furniture will never be described as comfortable... BUT you can't beat the price or the location. I was looking at two-bedrooms in the Junction and everything was $2000+, while I can have a two-bedroom apartment on campus that's a five minute walk from Oz for only $1200. For me, the pros outweigh the cons. The folks at the housing department can be a bit fatigued from dealing with difficult students on a daily basis but, if you get to know them, they will go through hoops to make you comfortable.
  4. ^This is important to remember. Access categories allow you to be compared to a smaller pool of applicants but you still need to be competitive within that group. The fact that someone is a mature or access applicant is not enough in and of itself. I applied as a mature applicant this cycle, so feel free to message me if you have any questions.
  5. They indicated that they aren't creating accounts until people firmly accept. Even then, I don't believe they have started the process yet. I have firmly accepted and am still seeing the notification: Stay tuned for more information about your new Osgoode email account and Passport York account. I wouldn't worry about it, they will let you know.
  6. Oh my sweet summer child. If only it worked that way! I keep trying to get my financial advisor drunk so I can sneak a fixed rate in there... but they aren't taking the bait.
  7. I took your advice an emailed my MPP this morning. Even if nothing comes of it, I'm happy to add my voice to the conversation. Thanks to the grants I've received over the last two years, I'll be able to become a contributor to the economy rather than a burden. I'm the friggin' poster boy for social investment.
  8. As someone in their 30's, with a young family, the only way I was able to get to this point was because the province invested in me. I had been working in kitchens for years and the only way that I could "break out" was by taking advantage of the grants they offered me. Between OSAP grants and scholarships, I was finally able to go to school full-time. I suppose the impact on me isn't as bad as it could have been. I stand to lose about 20k in grants per year, which will add 60k to my debt. Not ideal but at least I can cover it with my LOC. If this happened last year, and I was not yet eligible for the LOC given to law students, I wouldn't have been able to continue full-time. So, I consider myself lucky. I know this isn't Quebec, and I know that social investment isn't exactly the conservative model, but it breaks my heart to think that others in my position won't get the same opportunity as I did. The province invested in me and I aim to make good on that investment. If they hadn't, I'd still be working in kitchens for $18/hr with no way to build a future for my son and no way to contribute to the economy.
  9. I'm also wondering how you were able to use the calculator. When I try to it says the at it won't be available until the spring.
  10. My bad. I was hoping for input regarding what the LSO looks at and whether it was appropriate to contact them. My apologies if I crossed the line into anything that goes against forum rules. I have edited my post to try and make it more appropriate. Also, thank you for the advice about who to contact.
  11. I am hoping for a little feedback with regard to the Good Character Requirement for the Law Society of Ontario. How would the LSO view a four year old absolute discharge that is no longer on the criminal record. I realize the nature of the offence likely matters but I am loathe to get into personal details. Speaking generally, am I right in assuming that it is my duty to report any past issues even if they do not appear on my criminal record? And, would it be appropriate to contact the LSO to ask their opinion?
  12. I spoke with an advisor from RBC today and they offered prime right out of the gate without negotiating. I prefaced the conversation by saying that I had read online that Scotia's plan was quite favourable but I banked at RBC and would prefer to keep everything in one place if they were competitive... not sure if that had an impact or not but the way she phrased it made it seem like it was a pretty standard offer.
  13. Just spoke to advisors from Scotia and RBC today... I bank with RBC but have read here that Scotia is the preferred choice of many so I wanted to compare. Here's what they told me: SCOTIA - Called back within 10 minutes of me sending an email, very helpful. Offers 135k for Osgoode students. I asked about the interest rate. They told me that Prime + 0% was possible depending on my credit history (and their risk). They also offer a 24 month grace period (which begins AFTER articling) before repayment. Offered to send an email with all the details. RBC - I prefer to stay with them as I have all my accounts there already. They offered Prime + 0% right out of the gate without negotiation. Same repayment structure as Scotia. But only 125k. I was approved over the phone. The advisor is emailing me the offer and all I need to do in-brach is bring my proof of enrolment and sign the documents. I plan on doing my due diligence with Scotia to see if they will in fact match (after all the extra 10k could come in handy). Though I was impressed that RBC offers Prime + 0% as a matter of policy without negotiation. People don't seem to mention them often but they are worth a look. Even if only as a tool to leverage another institution. **EDIT** - One difference I forgot to mention. Scotia gives you the 135k in three instalments of 45k, whereas RBC gives you the 125k up front.
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