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Topics - NOTaPepsiFan

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1
General Board / 100% Financing for Attorneys
« on: March 01, 2011, 04:45:22 PM »
Hey dudes.

So, if I pass the bar this summer, I'm going to be an attorney.  I have a job lined up (not one of those super-fancy biglaw ones, but one I am very excited about), and I would like to buy a house ASAP.  Some of you will probably be all like, "omg you can't buy a house because you need to save up a ton, you could lose your job, etc."  Some concerns might be valid, but I think they are outweighed by the fact that (a) home prices are expected by most analysts to start rising about 3.5%+ starting mid-2012, (b) owning a home means mortgage interest deductions, which means about 1/4 of the monthly payment is given back, (c) about 1/10 of the payment is saved in principal, and most importantly, (d) most analysts expect interest rates to start rising pretty significantly.  A 2% rise in interest rates is a big difference in monthly payments. 
Now, some of you folks might be all like, "analysts are stupid!!  they were wrong recently!!"  Well, yes, but if you just assume everything is totally random and equally likely and just ignore what the experts think because they've been wrong in the past, then I think your strategy is bad.

So, anyway, the point of this is to post nice banks that offer predatory loans with 100% financing, preferably specifically for Attorneys so that they offer better rates.  So far, I have found one:
RBC Centura.  No PMI payments, 100% financing to Professionals (doctors, lawyers, etc.)

Does anyone else know of any banks that offer 100% financing mortgages to entry-level attorneys?

2
General board for soon-to-be 1Ls / 1L SA Positions....
« on: July 06, 2008, 02:34:47 PM »
I currently work for a foreclosure firm.  I'm about to finish and start my 1L year at Emory.  My firm is pretty big -- we have ~175 employees in our building, however only about 7 of the employees are lawyers.  In most respects, it's like a typical (non-law) office.

I'm interested in possibly going back to work for them next summer, however I'm not sure exactly what I "should" be doing in regards to advancing my career.

So, a few questions...
For students outside of the top-10, I realize it's very rare to get a paying 1L SA position (and apparently it's still tough even for students at the very best schools).  How much do firms care what you did during 1L Summer?

What are summer 1L's allowed to do for a firm?  Does it differ in any way from 2L Summer's? (i.e. legally are 1Ls not allowed to do certain things?)

Would taking a non-paid intern "lawyer" position in a big law firm, or simply volunteering for some public interest place look better on my resume than a paid position at my current firm that has me doing things that non-lawyers do?  Am I likely to get a legitimate legal internship or legitimate legal work in public interest?

Any general advice?  Thanks.

3
Financial Aid / Choosing a Bank/Lender for GraduatePLUS Loans?
« on: April 21, 2008, 07:17:15 PM »
I have to pay for everything myself.  After scholarships/stafford/perkins loans, I have an additional ~$9500/y that I need to take out in GraduatePLUS loans to meet the total COA.

Can anyone offer advice on which lender I should be using?

I have good enough credit to qualify for GraduatePLUS, but I don't have any real assets or anything...

Oh, also, I want to pay things off really fast.  I think I can live like a student for 6 more years.

4
Reviews, Visits, and Rankings / Emory ASW Review [Long]
« on: April 06, 2008, 12:15:02 AM »
Most everyone flew/drove home tonight, so I'm chilling in my hotel (watching Carolina get crushed), and I've had some time to give a long summary of the ASW.


First -- good (and slightly awkward!) to meet those of you that post on here!


I decided on Emory prior to going to the ASW.  I thought Emory had solid employment prospects, and I have what I consider to be an excellent scholarship offer from them (given my #s).  Considering this, I was willing to attend what I thought was an OK school as far as social stuff/fun/quality of life.

My biggest concerns were:
(1) Atlanta is very southern, and not a cool city
(2) The students would be dorky, slightly competitive, ugly, and not very much fun

Well, my concerns were absolutely groundless. 

One of the professors volunteered the following about Atlanta:  "A lot of you are northerners, and you probably have some stereotypes of the south.  Many of these stereotypes are exaggerated, and many are outright wrong.  Moreover, Atlanta should not be considered 'the South' by any means.  Atlanta has a nationally diverse, cosmopolitan population, with great culture.  Emory is known as a school full of people from the northeast in our undergrad; this is even more true for our graduate programs as a whole, and this is again more true for our law school." (paraphrased)

To address my second point:  the student body is absolutely a strength for Emory Law.  I say this with reservation, though -- it is possible that the hardly anyone that attended the ASW will go to Emory.  Moreover, it is possible that those that went to the ASW were disproportionately more normal than those that chose not to come.  I also didn't get to meet many current students, so our group could be very unique.  BUT, judging by the [admitted] students that I met with this weekend, everyone was very outgoing, energetic, fun, interesting, and normal.  I did not sense pretentiousness to any degree.    The diversity was also really great.  With this being the South, I was concerned there would just be white people and black people.  Instead, there was a large population of Asians, Indians, Hispanics, etc.  People came from all different undergrads, and there was a broad spectrum of hometowns, all up and down the East coast, some midwesterners, and a few Californians.


OK, so a little overview of what the weekend consisted of:

Friday started with a reception at David and Caroline Adelman's house.  This reception consisted of excellent catering, and a lot of free Corona, for 3 hours.

My Friday night continued as I checked out Virginia Highlands.  About 20 or so of us met up at a bar down there.  Some people had a few drinks and left.  Some of us chose instead to stay and we bar hopped until about 2am, flagged down a cab and went back to the hotel, and then called Papa John's and bribed them to deliver us 3 pizzas -- which they did ... in 10 minutes!

Highlands is a pretty cool spot.  I wouldn't say that by itself it is quite the same as, say, Adam's Morgan in DC, but it had a cool strip of about 8 or 9 pretty decent bars, and a couple nice restaraunts where people stayed late for drinks.  No clubs, and not really any "clubby bars."  It was more like busy, typical bars with music (for lack of a better description).

For more of a club scene, it seems like midtown is the place to go.  It sounded like a lot of the bars/clubs in Buckhead got torn down and now it's mostly shopping and nice condos.

5
Reviews, Visits, and Rankings / Double post
« on: April 06, 2008, 12:12:15 AM »
Delete please

6
Law School Applications / NLJ 250
« on: March 24, 2008, 09:45:45 PM »
Is there a list of % of class hired by NLJ firms that covers the most of the top 50?

This link (scroll down) covers the top 20 or so, but then stops..
http://mblog.lib.umich.edu/OCSlawcareers/archives/2007/01/index.html

9
This is stupid, right?

Many Emory students (and others) have talked on here about how top 1/3 of Emory lands NYC and DC biglaw.  It seems to be the so called "cut off."  You land in the top third, you're probably going to make it; you land outside, you're probably not.

But, I haven't seen anyone say any more than the top third land Atlanta biglaw jobs.

Am I missing something?

10
General board for soon-to-be 1Ls / Emory Class of 2011
« on: March 07, 2008, 08:36:35 PM »
I'll update this first post with general information that may be helpful as I learn more.  If an Emory student or someone familiar with Atlanta thinks I am factually wrong, misrepresenting, or missing something, please let me know!

----------------------------------------------
I made a thread covering my thoughts on the ASW.

Be sure to join the Facebook group, "Emory School of Law Class of 2011."

CALENDAR:
Admitted Students Weekend is April 4-5.
First Deposit is due April 15.
Second Deposit is due June 1.
"Welcome" Day is August 22.
Orientation is August 23 and 24.
Class starts August 27.


HOUSING:
The first thing worth noting is that there is no single student neighborhood.  Students are completely spread out all over the place, although mostly in Virginia Highlands, Briarcliff, Decatur and right next to Emory.  Atlanta traffic is horrible, so moving somewhere else means long commutes.  There are a few popular apartment complexes, but if you choose to live in a house or something instead, you won’t be the only one.  A lot of people choose apartment complexes because they can’t visit, and so it’s an easy way for them to choose where to live.  Others choose to get roommates and get houses because it can be cheaper.

Good Resources:
Rent.com
Craigslist Atlanta
Off-Campus Housing Board
ApartmentFinder.com
Promove Atlanta - Apartment Rental agents (free)
Facebook Emory and Facebook Atlanta Network ads

Popular neighborhoods/areas
I included the zip codes so you can search on your own.  Note that each of these zip codes extend to areas that are a few miles away from Emory.

Immediate Emory Area (30307, 30306, 30329)
There’s some houses/apartments around this area.  Most of them are relatively upscale/suburban.  There's not really anything within great walking distance to the law school.  Yes, you can walk from these places, but it seems like most people drive, since it takes some time to get through Emory's campus.
Popular complexes: Gables Rock Springs, Highland Square, Clifton Apartments (Around campus)
Lincoln at Decatur, Highland Lakes (next to Clairmont shuttle)

Briarcliff (30329) aka Druid Hills
Northeast of Emory.  Pretty suburban.  Lots of traffic, a good amount of retail.
Popular complexes: Post Briarcliff, Sloan Square

Virginia Highlands (30306)
West of Emory, between Emory and midtown.
Nice strip of bars and restaurants, with some shopping and retail.  All young people.  Most of the apartment complexes in this area are either prohibitively expensive (and a bit of a commute), or a bit old (Highland View is an exception).  Many of the bar review spots are in this area.  About 2-3 miles from Emory, and you will generally be driving against traffic.  Good central location in general to midtown/Decatur/Emory/Buckhead.
Popular complexes: All the properties managed by Braden Fellman (typically older, but with a great location), Highland View

Inman Park / Poncey-Highlands (30307, 30312)
Located 1-2 miles south of VaHi.  This area has several very nice, new, upscale mid-rise apartment complexes.  The places seem to have a nice sense of "community" and such.  About 3.5 miles from Emory.  Convenient to Little 5 Points and Downtown, and not too bad of a drive for midtown.
Popular complexes: N Highland Steel, Highland Walk, Block Lofts, City View Apartments

Decatur (30030, 30031)
Southeast of Emory.
Artsy/hipster area.  Young crowd.  Relatively inexpensive.  Close to Emory.  “Walkable” area.  Lots of mom-and-pop shops.  Mix of apartments and houses.  Good restaurants, and a few bars.
Note that Decatur is technically its own city.  It is not part of Atlanta.
Popular complexes: Gables Montclair(?), probably some others (anyone want to suggest any?  I didn't look here)

Midtown (30308, 30309)
North of downtown (duh), and West of both Emory and Virginia Highlands.
Lots of beautiful high-rise apartments/condos.  Long commute to Emory — however, during usual hours, you are driving against traffic, but you still have to wait on the lights.  Good access to public transportation (but, this doesn’t take you to campus!).  Decent nightlife.  A reasonable amount of young people.  GLBT friendly.  Close to many big law firms.
http://www.highrises.com/city/atlanta/

Little Five Points
Mega hippy area.  A bit farther out from Emory, but right on a major road that leads right onto campus.
Popular complexes: Bass Loft Apartments
Map

On-Campus at Clairmount (30033)
General: These apartments will be available until May 2009 (so, for the first year of school).  These apartments are close to campus, and the shuttles run to them.  The facilities and rooms are nice, although a bit boxy.  Furniture is pretty simple, cheap stuff, but it’s only +$60/m to have a furnished apartment.
Amenities: Student Athletic & Academic Center, Parking, Air, Heat, Cable, Ethernet, Phone, Washer, Dryer (even in non-furnished apartments)
Cost: Price per student: $1,137 (1br) to $790 (3br, furnished)  ... these rates cover utilities
Official Site


My Personal Recommendation
Go with Highland Lake.  If it is full (they'll say it's full when it's really not), then go with Lincoln at Decatur (make sure to get a new apt away from the train), and as a third option, go with the on-campus apartments.  DO NOT go with Post.  Post is another 15 minutes farther from the school, thanks to horrible traffic, and it's not near anything.  It's more expensive, has hidden costs, is crime-ridden, and the only upside was that other law students live there.  But, that's changing next year, so let's make Highland Lake and that area the new law school area.

All the apartments are going to be about $890-$930 just about anywhere you go.  You can get some old, dumpy houses for a bit less (and I'd recommend that if you don't mind something that's not all that nice).  All apartments in Atlanta have some kind of problem (thin walls, crime, bad management, horrible commute times, mold/rats, etc.), but Highland Lake has the least.

It's located right across the street from the Clairmont shuttle/residences (and very close to the law school).  W&D is included.  1BR's are 750-800 sqf and very nice.  There's 2 very nice pools and the amenities in general are extremely nice.  There's other apartments that I would recommend as 2L's/3L's, but for our first year, we don't have any good place to park.  So, you have to basically commute to the place right across the street from Highland Lake, and then take the shuttle (there are other options, but they suck close to as bad).



PARKING:
“On-campus” parking costs $650 per year.  You have 3(?) options.  None of the on-campus parking options are very close to the law school, so you have to take shuttles (or prepare for a long walk, in Peavine’s case):
Clairmont – Generally recommended, especially for students in Druid Hills/Decatur areas.  Shuttles run much more frequently.
Peavine – Right next to the gym.  You can take a long walk to the law school, or wait for a slower shuttle.  Recommended for for those traveling from VaHi/Inman/Midtown, or possibly West of campus.  Apparently a lot of 1Ls sign up for Peavine as a first choice and never get it.
Michael Street – Slower shuttles, not really recommended.  (Is there any upside to this stop?)
There are about 40 spots that go pretty fast at the University Inn.


MONEY:
Tuition is $39,300 for 2008-2009.


ATLANTA GUIDE:
AccessAtlanta seems to do a great job covering everything.

GENERAL TIPS:
-Usually you want to use half.com for books (everyone knows this, right?) but for first semester, we probably won't get our sections until right before classes start.  There's a couple books that all the sections need, but most of them you'll either have to buy at a bookstore, or, ideally, buy from a 2L.
-Emory is PC and Mac friendly.

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