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GrumpyMountie

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GrumpyMountie last won the day on February 10

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  1. One day, in a period when I had a lot of time on my hands and was really trying to lose weight, I woke up with an unconquerable craving for a Peanut Buster Parfait™️. I decided the only way I could justify the Cool Treat™️ was to have a big bike ride first. So I cycled 85 KM into another province, got the biggest meal possible at MacDonald's, and then my ice cream.... then 85 KM back home. I still came out ahead as the bike ride burned at least 4,000 calories. -GM
  2. My experience, shaped by both my applications and my partner's experience with a medical LOC, is that there is a lot of luck involved. You MAY get lucky with the person at your local branch, if they happen to have much experience with professional lines of credit - but because they are a bit of a niche product, and most branches are not that close to a University, you are also quite likely to get someone who has no idea what they're doing with this product. This can result not just in a slower process, but in being rejected incorrectly, or being told that you need all sorts of documentation that you really don't. When my partner started med school, I asked her to try CIBC first, just for ease of logistics, since we already do most of our banking with them. However, their service was so abysmal that my partner walked out of their demanding that I cancel all our existing banking with them. She then wanted to try TD, and was fortunately connected with the right rep in Calgary who knew how to process a med LOC application. Super easy, asked for very little documentation, etc. Now, a few years later, we're in Victoria, and the local TD rep has been awful to deal with just to request a slight increase in the LOC she already has (because they are now advertising a much higher limit)... so she is now switching to Scotia! Scotia simply seems to have good reps who are ready to most easily get these packages to professional students in every market. But I am sure there are still some Scotia reps out there, maybe at smaller branches, who would have no idea what you're talking about when you wanted to apply for a JD LOC. It's really an individual thing. -GM PS I'd love to hear whether any JD student has actually gotten prime -0.25%. It was my understanding that the "minus" was purely for med students/residents. I tell you, if they find out that law students are getting -0.25, the doctors will be demanding -0.50 soon!
  3. Hiya Jatt, It is divided into three chunks, and you get the second and third chunks released by forwarding a confirmation of enrolment type of document each year. The chunk for each year becomes available at the start of each year, but the chunks are not quite equal. I believe it's something like $42K, $42K, and then $51K in the final year. It was explained to me that the larger chunk in the final year is to reflect additional costs at the end of the final year and beginning of articling. Please note that all of the above is just based on my memory of a recent phone call with the Scotiabank rep here in Victoria; I don't have any of this on paper in front of me. -GM
  4. It's worth pointing out that the Scotia Amex gives you Scotia Rewards points, and not actual Amex member rewards points. I'm not saying that's a bad thing, just pointing it out in case part of your thought process was that Amex rewards points are great (which they are). -GM
  5. Lol - worried about this too! Want to brush up on my typing, but also need to pick a new laptop... don't want to rush that decision, but before I get used to the new keyboard, not much point practicing the typing! -GM
  6. I just want to say that I appreciate all the responses in this thread, both serious and lighthearted. I confess that, during the application process, I didn't think too much about "What will I actually struggle with in law school?" I just focused on getting in. Now, as it's actually approaching (albeit in a very uncertain format), I'm starting to panic about lots of things. Can my late-30's brain keep up? Would it have been smart enough to do well even at its mid-20's peak? And more pressingly, lately: will I be able to function and fit in to a progressive law school environment, given what my classmates are likely to assume about me? Anyway, we all may have different challenges... but we all have challenges, and it's nice to be reminded of that. -GM (Trying really hard to find nice things to say on the internet these days)
  7. I finally got around to declining my provisional acceptance of a spot this morning. I'm a little superstitious with everything that's been going on, so I wanted to literally be living in my new place in Victoria before I felt sure that I wouldn't be moving to Kingston. Hopefully one of you on here will be offered my spot soon! -GM
  8. I am starting to be a bit jealous, as someone who's just doing the JD. It seems like all the cool kids in class are doing the JID. Hopefully the rest of us still get exposed to some cool ideas by osmosis - although that will be more difficult to do when we're all distancing! -GM
  9. Indeed; rooting for @capitalttruth is the only reason I check the Queen's and Ottawa sub-fora anymore! Hopefully he will invite us to a Zoom party to celebrate when he gets in! -GM
  10. This thread is depressing, but it's always better to have information than less, so thank you to those who have contributed. As someone moving to BC and interested in Criminal Defence, I guess I'll have ample chance to prove that I am not making this career change for the money. -GM
  11. Rejected on Friday. LSAT 163, GPA 2.95. Thankfully, U of A is the only school in the country that takes graduate marks into account without allowing drops (I flunked out of a Master's), and I was fortunate to get into some other schools. Alberta was my number 1 choice, though, so still sad! -GM
  12. 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
  13. 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
  14. 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!
  15. 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
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