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GrumpyMountie

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GrumpyMountie last won the day on February 10

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  1. While I trust we will all survive (playing the odds), I think a lot of us will have some interesting logistical challenges in researching and arranging our moves to Victoria during the pandemic. Not as easy to pop over for a week first to do viewings of apartments, etc. And how easy will it be to plan cross-country drives/arrange movers, etc? Try "I'm a 1L, so I'm an essential service." Anyway, at least we've got 5 months still to figure it out! And perhaps longer if first semester is online.... -GM
  2. Interesting. Thanks for this; perhaps I've believed the hype too much. That's more than I paid last year for my Wagon, but less than I paid this year (big jump in rates in Alberta this year). I'll hope for the best! -GM
  3. Hello, I am planning to move to Victoria (assuming BC Ferries hasn't become just a big fleet of hospital ships by next month), and trying to plan for how to manage our vehicles. We have one car that we will keep using (so, obviously registering it and insuring with ICBC), and another one that we won't be using but which my spouse won't let me get rid of. I'm trying to figure out what I need to do with the second vehicle and what it will cost me. 1) If I'm insuring a stored vehicle for theft/damage but not driving it, do I still need to go through ICBC because it's technically an auto policy, or could it just be covered under property insurance? 2) If the answer to #1 is that it is still ICBC, then will I need to get a licence plate even if I have no intention of driving it? That is, would coverage for theft/damage only still require "registration" in BC? 3) Any idea what premiums are like for stored vehicles? I know that BC has really high auto insurance rates, but I'm hoping most of that comes from the liability portion. 4) Is it ok to store an unregistered vehicle in a driveway, or is there some regulation that says it has to be locked away, not adjacent to a street, etc., if it's not insured to be on the road? We will likely be renting a house, so I would rather use "free" driveway storage than pay to store it. Thanks for any insight, -GM PS I hope that, given the minor regulatory nature of these questions, that this doesn't sound like a request for "legal advice". I am really just asking for insurance "information". If I've crossed that line.... sorry mods!
  4. Hello all, My initial research suggests that Scotiabank seems to be the best/easiest to deal with in getting a line of credit. I've reached out to them and things are promising so far. Not surprising as my spouse is a med student and Scotiabank is the overwhelming favourite in that sector. However, I've been a really happy CIBC customer overall for my whole adult life and would like to give them a chance to match Scotiabank. Problem is, I'm hitting roadblocks really quickly because I can't even find contact info for dedicated PSLOC reps. I know from experience that just walking into the branch is not a good way to get a hold of someone who knows what they can actually offer. So, my question is: Has anyone had any luck getting a competitive rate and good service from CIBC in signing for a Line of Credit? Any advice on whom I should contact? Or should I just forget it and stick to the bank(s) that actually make it easy to get a hold of the right person? Thanks for any insight, -GM
  5. Yep; it's no problem. The bank, of course, will hope that you use it. It's great if you don't need to, but you may find it's worth using in ways you didn't expect. For instance, if you need to buy a used car, and your PSLOC is at Prime while financing on used cars is more like Prime + 3 or so. My spouse has a $300k Med LOC that has sat at 0 almost all the way through med school. Occasionally it's been a cheap way to access money short-term while getting through Christmas and waiting for the January student loan disbursement, etc. Really, there's absolutely no downside. You might also get a "free" premium credit card out of it! -GM
  6. Surely with those stats you'll go to the top of the pile, right? I mean, they put you way above median for the class in both L2 and LSAT. So when even one seat becomes available, you're likely the one to take it! Hope I'm right! -GM
  7. Much as I would like to meet you at UVic, I feel like with your username it would be a waste if you skip out on U of M. I mean, the Red River is literally right out the window... for adventure, or rebellion. -GM
  8. Unless your admission was conditional on maintaining your GPA for your final term, they may very well not request a new transcript with your final term's marks (this probably varies by individual). The request for transcripts now is to verify that the ones you submitted electronically are genuine. -GM
  9. I confirmed this morning that I'll be attending the one in Calgary. Anyone else heading to the YYC event? -GM
  10. I also had an "action still required" when I knew that I had submitted what they needed some months prior. I finally e-mailed, just asking to confirm that they'd received what they needed, and the status was updated within the day. Just seems to be a major lag with the actual updating of the status. Definitely worth reaching out, since we're starting to get a little bit later in the cycle! -GM
  11. Thanks for crystallizing that so succinctly. When I started looking into law, I admit that I just assumed, by default, that I would make more than I do now, although perhaps not quite after factoring in 3-4 lost years of my current salary. Doing some more research on here made me realize that I will, in fact, almost certainly make considerably less. But I absolutely loathe my current job and employer, to the extent that it's having a serious effect on my mental health and on my family life, which is worth a lot more. So the opportunity cost involves more than just dollars, for me. I've seriously considered a couple of other options, too - no tunnel vision here - but my holistic math on pros and cons makes those other ideas even worse for various reasons. So here I am. Trying to psych myself up for 3 more years of school in order for the privilege of making maybe 60-70% of what I would if I stayed on my current trajectory. Feeling a little awkward when friends congratulate me for getting in to some law schools, because I don't feel as excited as they apparently are for me. It's sobering, and I'm sure it will translate to less enthusiasm than my classmates, but the calculation I've made is that this is my best option. And no, I can't honestly say I'm "passionate" about law; I'm not even sure what that would look like as an 0L. The best I can say is that I find it genuinely interesting as a subject, from afar at least, and so I hope that helps me get through school. Not trying to gain any sympathy; I'm simply fleshing out my example to illustrate that the answer to OP's question is a complex and highly individual one for all of us. Best of luck in making your decision! -GM
  12. Can you re-calculate your B2 on a 4.33 scale? That appears to be the scale Sask is using. With your LSAT being a couple points (and maybe 5-6 percentile points) below median, it would be good to know for sure if maybe your B2 is a little higher than 3.62 on the 4.33 scale, in order to get a sense of how much the GPA could help you. With the Sask connection being on the weaker end but not zero, it's tough to say whether that will hurt things. Overall, tough call. I think maybe like 60/40 to get in, but probably not for a little while yet. If it turns out that your B2 is more like 3.7 due to some A+'s somewhere, then I would obviously revise upward. Best of luck! -GM
  13. This is a really pressing issue for me. I used to be highly fluent in french, I believe at a level in which I could probably effectively learn law in french. Top level scores in the federal public servant exams, for reference. But that was ten years ago and I just don't know if I'll be able to recover my french quickly enough to get it back to that level, while also trying to survive as a 1L. If I end up going to Ottawa, I guess it will be worth giving it a try, at least - since I could immerse myself in french outside of school, too. If I end up at Saskatchewan, then I don't think any francophone litigation is in my future. -GM
  14. I hope this question doesn't make me look like an idiot, but... wouldn't this be the case for all law schools in Canada? Perhaps I'm naive, but, I figured since every single law school has its own building, it would be reasonable to assume that this is where all the classes would be? Or is the case, for some schools, that the law faculty's building is more of an administrative building, and classes would be all over? -GM
  15. I'm assuming, since you didn't specify, that you live in Victoria? Just pointing out that these breakfasts are happening in several different cities, which suggests that they are indeed mostly marketing/recruiting for undecided students. That's not a bad thing, of course, and I'm still hoping to go to the one in my nearest city, but yeah, it's unlikely that you'd be meeting a huge number of your actual classmates, I would think. Wouldn't worry about it! Seeya maybe in the fall, -GM
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