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Topics - Papa Bear

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1 somebody will talk to him.

Incoming 1Ls / Helpful tips to manage law school debt
« on: March 07, 2007, 07:09:36 PM »
In the wake of useless threads dedicated to surreptitiously shaming "low school" law students who allegedly don't think about the debt they will incur, I thought perhaps we could use a thread to develop useful advice on how to plan for, limit or reduce, and pay back law school debt whichever school you attend. it is!

I'll start. BYU has a useful budgeting tool here:

It's not specific to BYU, and the missionaries won't show up at your door if you use it. Analyzing monthly cash flow isn't important to me, so I deleted columns leaving Jan, Feb, Mar and the totals columns, renamed Jan - Mar as Year 1, 2, and 3, then worked out yearly budgets. Right click on your cells and select "add comments" to enter your assumptions, this way you can easily change them if they turn out wrong.

I've narrowed down my choices to 3 schools and am now doing a budget analysis on each of them to project the amount of debt I'll take on at each. You can do the same! The first one's the hardest.

Anybody else with good advice or links to quality tools/information please post it here!

General Off-Topic Board / SICK on Friday night. Please entertain me
« on: March 02, 2007, 07:37:12 PM »
The Suns game is boring, the board is this point I'm okay with pretty much anything else. A fun, free game, a long, detailed BBC documentary, funny YouTube links, a long read - anything. Please?

General Off-Topic Board / Were you smart or a hard worker?
« on: February 17, 2007, 09:00:29 AM »

This article was very interesting and has touched off an unusually introspective day for me. I'm not in the top 1% of the top 1% in terms of IQ, but I could identify with the kid at the beginning of the article. I'm not blaming anybody else for the fact that I avoided as a child that at which I didn't immediately excel, but I wonder how much the style of praise from others, especially adults, had on the way we turned out.

I personally was praised for being smart and was expected to make an effort. In fact, my lack of effort drove my parents and teachers absolutely nuts because they knew that if I put forth the effort I would probably have done extremely well.

So what about all of you? You're probably smart; did your parents/teachers compliment your effort or did they compliment your intelligence? How do you think that affected you?

General Off-Topic Board / Wisdom v Intelligence
« on: February 17, 2007, 08:24:26 AM »

This was a very interesting article about something we don't think about frequently. I personally try to work both angles, cultivating wisdom and intelligence. You?

General Off-Topic Board / NOOOOOOO!
« on: February 14, 2007, 08:18:32 PM »

Not...not...PEANUT BUTTER!  :'(

Minority and Non-Traditional Law Students / COA & me
« on: February 13, 2007, 12:15:59 PM »
I hate cost of attendance rules that limit how much of a loan I can secure. I think it's going to destroy my chances of going to at least one school. Does anybody have any advice on how to work around them or remember seeing a thread about it?

I have 5 kids, and Mama Bear (partly out of practicality) stays home with them. I own a home and will cash in on some pretty significant equity when it sells, but the government doesn't care that there are 6 other people in my family - they'll assess a huge EFC for my second year if I just sit on that cash. One option I'm thinking about is using all or most of my equity from the sale of my home as a down payment on a new (to me) home and then pulling out a HELOC. This shelters the money from being included as EFC and ensures to a degree my ability to maintain cash flow, which is my primary concern. I should be able to close on both loans before I move or quit my job. Anybody have any better ideas or see any major problems to overcome with this plan?

General Off-Topic Board / Worst place to meet a guy
« on: February 03, 2007, 05:09:43 PM »

Law School Admissions / Columbia fee waiver???
« on: January 30, 2007, 05:04:21 PM »
Seriously, like I really have any more than an outside chance.

Does anybody have any guesses as to why they'd send me this that are less cynical than mine?

General Off-Topic Board / Birthday Calculator (link @ top)
« on: January 27, 2007, 06:13:19 PM »

Share useless facts about your birthday! Some highlights from mine:

You were born on a Saturday
under the astrological sign Pisces.
Your Life path number is 6.
You were born in the Chinese year of the Tiger.
Your age is the equivalent of a dog that is 4.7013698630137 years old. (You're still chasing cats!)
The moon's phase on the day you were
born was waning gibbous.

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