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thebigchange

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  1. thebigchange

    Waitlisted at Calgary 2019

    Early in January
  2. thebigchange

    Waitlisted at Calgary 2019

    Waitlisted today. L2: 3.985 LSAT: 156 CGPA: 3.9925 Keeping my fingers crossed that I'm eventually accepted!
  3. thebigchange

    LOC question

    There are multiple components to bank financing for LOC's. "Calculated daily" - this means that the bank will take the balance of the credit each day and multiply it by 1/365th of the annual interest rate. e.g. if your balance is $13k, then each day they will calculate the interest owing by multiplying the $13,000 by 3.95%/365 (~$1.4068/day). "Compounded monthly" - at the end of the month, the bank will add up the calculated daily interest and the total amount will be credited from your LOC. e.g. If you withdrew $13,000 on January 1, on February 1 you would have $43.61 draw down on your LOC. The reason this is called compound interest is because starting on February 1, the daily calculated interest would be $13,043.61 (original Jan. 1 balance plus the interest charged on Feb. 1) multiplied by 3.95%/365 (~$1.4116/day) For most standard lines of credit, the minimum payment is the interest. This way it is impossible to compound the interest because you would pay the interest using other monies. However, for PSLOC's, banks will normally allow the interest payment to come from within the LOC as many students do not have the ability to make minimum monthly payments while attending school. Okay... someone tell me I'm wrong 😛
  4. thebigchange

    Term 1 transcripts - Bear Tracks

    I'm also in the same position. I checked with my school and they confirmed that the transcripts were sent electronically to U of A. I imagine the admissions committee is quite overwhelmed with sorting through applications and it may just take some time for them to get through them all.
  5. thebigchange

    Accepted 2019

    Accepted B2: 4.5 LSAT: 156 Index score: 80 Waiting to make a firm decision.
  6. thebigchange

    West Downtown or East

    I own and live in the east end of downtown (Victoria Park) Calgary and really enjoy it. I feel safe in the community and appreciate the easy access to transit, stores, and major roadways. Stampede generally brings some rowdy behaviour and heavy traffic volumes, but it's only for 10 days over the summer. Traffic and street parking can also be a challenge when the Flames are playing at the Saddledome. If you have any more questions about the east side, feel free to PM me 😊
  7. thebigchange

    Chances? [B2: 4.24/4.3, LSAT: 156]

    Thanks for the response @AMS. I'm certainly more interested in honest answers than answers that will make me feel better about my chances 😉.
  8. thebigchange

    Chances? [B2: 4.24/4.3, LSAT: 156]

    I have a weak connection to Saskatchewan and no connection to U of S
  9. thebigchange

    Chances? [B2: 4.24/4.3, LSAT: 156]

    Thanks @RickyBubbles01
  10. B2: 4.24 / 4.3 LSAT: 156 one write this past September. Looking for some feedback on if my chances of receiving an offer are strong or not. I do not have a strong Saskatchewan connection. To complicate matters though: I did disclose in the application under post-secondary disciplinary actions that I received one non-academic warning. Any feedback would be greatly appreciated.
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