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Messages - nesnut

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glad people enjoyed it- we'll see what I come up with tonight  :D

Acceptances, Denials, and Waitlists / Re: UC Davis
« on: July 21, 2006, 01:35:16 PM »
Nesnut, I'm not going with Access Group as I qualified for the normal loan rate, which is 3 month LIBOR + 3.95%, which makes my loan over 9%.  I was accepted off the waitlist for UCD and had plans on going to USD.  I had all my financial aid set, of which I had a private loan from THE, which I qualified for the premier rate of 3 month LIBOR + 2.75%.  Unfortunately THE doesn't give private loans to UCD students. 

I think I'm going to use Sallie Mae, and have my dad co-sign the loan with me.  He'll get released from the loan after I make my first 24 payments.  That way, I'll get the lowest rate possible.  My credit scores are good, but my dad's are awesome. But I'm still researching.  UCD's preferred lenders just aren't that good, Nellie Mae (too many fees, not enough incentives) and Key Bank (rates are too high) are whack! I'll need to research a few more lenders. Let me know what you think.

thanks for the information- how do you feel about Citibank?  And what's the deal with the Grace Period section- all lenders state 9 months expect for Law Access, which says deferrment while in school plus 9 month grace period.  I thought that the grace period was similar to grace periods for loans taken out during undergrad- that is, you don't begin making payments until 6 months after graduation

Acceptances, Denials, and Waitlists / Re: UC Davis
« on: July 21, 2006, 12:03:44 PM »
Dang!  This Davis thread is blowing up!  I heard you all are planning on a pre-party gathering?  I'm moving up the weekend of I'll probably meet you all at the Sunday BBQ.  I got my place in Davis is this past weekend, it's a nice townhouse on the corner of Covell and Catalina. So I'm set!  Anyone taking out private loans?  The Davis preferred lender list isn't that good.  I 'm still deciding on a lender, but I'm know for sure that I'm not using the Access Group.  Any thoughts?

Brasco, what makes you not want Access Group?  (I'm new to private loans, so any advice would be helpful)

Acceptances, Denials, and Waitlists / Re: UC Davis
« on: July 21, 2006, 11:59:20 AM »
i'm looking through all the loan stuff now, Brasco- I'll chime in with what I think later.

Has anyone had trouble logging in to the system with their id number and pac?  i'm trying to re-set the PAC, but everytime I enter it in with a new PAC, it says authorization has failed- anybody have any ideas?

well I'm tired of deleting stuff, and I don't know how long Britt's got until she drives away, so:

LALSD, thanks for some fantastic times and for keeping me sane during the many months of law school applications/waiting. I would never have thought that a bunch of so-anal-about-law-school-apps-that-i-am-part-of-an-online-community people would be so much fun. From tacos to wine and cheese to picnics to riding dolphin statues in santa monica, I've had a great time with all of you.  Good night, good luck, and of course...

You Stay Classy, LALSD!

i fell asleep on top of a book and now my face hurts  :D

But do you remember everything that was in the book?

unfortunately, Garfield is wrong: osmosis doesn't work that way

Acceptances, Denials, and Waitlists / Re: UC Davis
« on: July 20, 2006, 11:23:26 PM »
i was in Prague and Budapest for about 8 days about a month ago- beautiful cities, fantastic people- my only regret is not going to the Turkish Bath  :(

Acceptances, Denials, and Waitlists / Re: UC Davis
« on: July 20, 2006, 11:10:39 PM »
oh nesnut, your life is going to be blown away in a second. if you have myspace search: sara brucker and check out the 7th picture (it's a black and white one); see you better not even mess when it comes to littlefoot! if you are not a complete idiot-slave to myspace (curse you murdoch!), then I will switch my profile picture when I get back up to Davis and you'll see what I mean! ;D

lol, awesome- i love that you've got your own littlefoot, that's all sorts of fantastic!  By the way, the main photo with the sign- that looks like Hungarian (or what I remember hungarian to look like)- is that in Budapest?

Acceptances, Denials, and Waitlists / Re: UC Davis
« on: July 20, 2006, 10:54:18 PM »
nesut, you can just call me sara (or flower if you want to, oh I hated bambi, such a sad movie/book/cartoon...) my name isn't even saradylan. I had this pathetic obsession with bob dylan when the internet was invented (in fact, I still have that pathetic obsession with bob dylan, but old bob dylan, not crazy jewish/christian/zealot/ or even post-religious dylan, who am I kidding though? I even love crazy bob dylan, but only for the laughs.) so my email has always been saradylan and well it just stuck...I'm pretty absentminded some-all the time so I figured it would be easier if I just did not confuse myself. and thats my name tirade.

Ahh, you went and mentioned Bambi and now I'm all sad- not as sad as when Littlefoot's mom died in "The Land Before Time," but still sad. 

And I enjoyed your name tirade.  I especially love that you differentiate between old dylan and batshit crazy dylan  :D

And I have nothing against the razr phones, but I know I would do something stupid and end up breaking the damn thing.  Seriously, I miss the old nokia phones with snake and the music composer. that phone survived so much and yet it never failed me

Hostels in Europe: A Beginner's Guide

Hostels are a cheap and affordable way to see the world and meet great people.

Wait, *&^%, that's not right... oh wait, here's what I meant to say:

Hostels are dirty and smell like old people and have bad people in them

There are generally 4 types of people who use hostels:

2. Old people who were hippies in the 60s and 70s
3. People who are traveling alone and looking to be your friend
4. People like myself: financially strapped and here by default

It is important to understand that #2 people hosteled and travelled long before you were born; as such, they will eat lots of Kashi while regalling you with stories about that time they drank absinthe and had sex with a clown from a bullfight.  Entertaining? Certainly.  Creepy?  You betcha!

The #3 people are ballsy, in that they are willing to tackle an entire continent on their own, but after a while, a reality about human nature sets in.  That reality is this: We enjoy the company of others.  And that means you feel the need to talk to me, even though I don't really want to talk to you.  All of the conversations sound like this:

Lonely Traveller: So, where are you from?

Me: California

LT: Oh, I love California.  It's big and pretty and has nice beaches, like Monaco.  Have you been to Monaco.

Me: Nope, and I can't get there on this trip.  Wish I could, though.

LT: Oh, Monaco is great!  It's pretty!  It's neat!  I love Monaco!  You should go!

Me: ...I can't <dumbfuck!>

LT: Oh, well you should- it's great!

Me: Yeah, that's what I hear.  So yeah, I've got to go...

LT: I haven't showered in 4 days!

Me: ...

LT: My socks smell terrrrrrrible!

Me: ...

LT: Wanna go grab a pannini later?

Me: NO

Thus, #3 people are all about talking and driving me crazy and, as a result of travelling without others, the need to bathe goes out the window.  As does good scent.  That went out the window long ago.

But the #1 people...the PUB CRAWL!ers...they are the most evil.  Here's how the mind of the PUB CRAWL!er works:

I am 18 years old -> I can't drink in America -> I can drink in Italy -> Therefore, I better get fuckfaced and throw up on everything.  Oh, and pee in public.  I better do that as well.

It also leads to interesting conversations like this one:

<it's 1:00 in the morning, and I'm in front of the Duomo of Florence>

Random Dude 1: Hey, dude, you know where JJ's is?

Me: Nope, sorry, is it like a club or something?

Random Dude 2: No, it's a place where you can dance.

Me: ... you mean like a club?

RD1: Yeah, a club- JJs, you know where it is?

Me: <damn it, I hate you> no, sorry

RD2: But we want to dance- can we dance there? (points to a closed snack place)

Me: Uh, no, that's closed.  And not a club.  If you head down that street there, you'll find a Mexican restuarant called Ebby's- it serves alcohol and can tell you where to go and-

RD2: Look, we can dance later.

Me: -the girl at the counter at Ebby's is really cute and can- wait, what?  What the @#!* are you talking about?

RD1: We are going to continue our journey.  Later, dude.

Me: <slaps self across face in flabbergasted emotional outburst>

And that was just Florence.  In Munich, the PUB CRAWL!ers threw up in every shower in the hostel.  In Rome, they peed on the door to the hostel.  Everywhere we went, I encountered the PUB CRAWL!ers, and everyhwere they were, the level of hate for Americans increased by 1,765,243 points.

That's a lot

As bad as the people are at hostels, the facilities themselves can be just as bad.  I slept on a bunk bed that- I *&^% you not- folded out of an IKEA wardrobe.  I was literally sleeping in a closet, and the number of "Hey, look, someone's coming out of the closet!" comments I got as I woke up every morning made me Davis Hasselhoff-rich in that "if I had a Euro for every comment about that closet" sort of way.  Bathrooms are cleaned with the same temporal velocity as the College of Cardinals picks a new Pope (ie, very slow and only when an old man dies in said bathroom) and the kitchen facilities are often a single range with a crockpot that contains that beef casserole the #2 person you meant back in Prague ate in 1968.

Was this every hostel in the world?

Of course not.

Was it almost every hostel I stayed at?

<all together now> You betcha!

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