...to your credit rating! So, now with the internship over and a little free time for three weeks, I thought I would accomplish something important like getting financial aid squared away for this last year of school. This inflation stuff is amazing, tuition has gone up almost $5K in the short time I've gone to school here. I'm not sure, but I think that is inversely proportional to Cardozo's ranking as a law school. I'm not sure though, that seems to involve math, and seeing as how I'm in law school you can probably guess how good I am at math. One of the funniest things about law school and math is going out to eat and trying to figure out who owes how much and what kind of tip we should leave. Someone always walks away from the table with more money than they put in, but alas, I digress.
The real reason for the post today was to comment on the fact that student loans can have an adverse affect on your credit rating. I guess something about having really high balances and no income is not very impressive to the credit companies. The good thing is that you just have to tell them you're in law school, and they're like, oh, alright, you're cool. Seriously. Anyway, I was trying to figure out what loans to take out and it turns out that the PLUS loan was the best because my credit rating had gotten worse and so a private loan wasn't as good for me. I did do the obligatory credit report run after to make sure everything is in order. It was. If you weren't aware (this is something I had re-emphasized to me this summer), you can get free credit reports from each of the three bureaus by going to www.annualcreditreport.com It is good to check all three reports because sometimes they will have discrepancies and that is what you want look for to make sure you aren't the victim of identify theft or something of the like.
Another thought about getting my finances lined up is that I'm in a lot of debt. Yeah, this wasn't cheap. I kinda have to pretend like I don't see the total or that it is just play money or something so I don't start to hyperventilate and freak out about a mortgage sized student loan debt! The good thing is that getting a law degree significantly increases your earning power and so hopefully I won't be in over my head.
Wednesday, August 09, 2006
Saturday, August 05, 2006
And just like that...
...your second summer internship is over and you're a mere 3 weeks away from beginning your 3L year. Wow! I can't believe that a year from now I will be done with law school and have already (probably) taken the bar. Crazy.
Yes, I finished my internship yesterday. It was just an ordinary day. I wasn't sad for it to end, nor was I happy. It was a good experience. I learned a lot from it, I made a little money, I met some nice people, and I have another line for my resume. I mean, that's what it is all about isn't it? Sort of, I guess. Anyway, here are, in no particular order, some things I learned this summer:
A summer heat wave in the city can be brutal.
Taking a book to read for fun will make a 30 minute commut a lot more bearable.
Taking a portable fan will make standing on the subway platform a lot more bearable.
If you plan on eating lunch regularly in midtown, then you can plan on spending a lot of money!
Credit card companies will extend you credit even when they can see you are not capable of paying them. They will even do this when you have 20 other cards!
Some people manage to live in NYC on less than $700 of government assistance a month.
People who are unemployed and have no income besides Social Security are rarely home to answer their phone and usually to busy to make it to an appointment. (I think part of the problem is they like to show up early for things when they do have an appointment, like sometimes an hour early.)
Yeah, so those are a few things I learned. So, what else am I up to. Well, I did have an interview for an internship for the school year and it is in an area of law I'd like to pursue, but I turned it down (I had my reasons). Then they called back and asked me to reconsider, so I am reconsidering. I'm working on a show for the NY International Fringe Festival. It will take up my time for the next few weeks until school starts. Oh, the coolest thing ever I learned this summer was the location of my long lost uncle. My mom hasn't spoken with her brother in 28 years; they lost contact and we thought he had vanished. I was doing a public records search on a client and thought to look for my uncle's name while I was doing that and voila, one thing led to another and I found him. That was a nice bonus.
Yes, I finished my internship yesterday. It was just an ordinary day. I wasn't sad for it to end, nor was I happy. It was a good experience. I learned a lot from it, I made a little money, I met some nice people, and I have another line for my resume. I mean, that's what it is all about isn't it? Sort of, I guess. Anyway, here are, in no particular order, some things I learned this summer:
A summer heat wave in the city can be brutal.
Taking a book to read for fun will make a 30 minute commut a lot more bearable.
Taking a portable fan will make standing on the subway platform a lot more bearable.
If you plan on eating lunch regularly in midtown, then you can plan on spending a lot of money!
Credit card companies will extend you credit even when they can see you are not capable of paying them. They will even do this when you have 20 other cards!
Some people manage to live in NYC on less than $700 of government assistance a month.
People who are unemployed and have no income besides Social Security are rarely home to answer their phone and usually to busy to make it to an appointment. (I think part of the problem is they like to show up early for things when they do have an appointment, like sometimes an hour early.)
Yeah, so those are a few things I learned. So, what else am I up to. Well, I did have an interview for an internship for the school year and it is in an area of law I'd like to pursue, but I turned it down (I had my reasons). Then they called back and asked me to reconsider, so I am reconsidering. I'm working on a show for the NY International Fringe Festival. It will take up my time for the next few weeks until school starts. Oh, the coolest thing ever I learned this summer was the location of my long lost uncle. My mom hasn't spoken with her brother in 28 years; they lost contact and we thought he had vanished. I was doing a public records search on a client and thought to look for my uncle's name while I was doing that and voila, one thing led to another and I found him. That was a nice bonus.
Subscribe to:
Posts (Atom)
