Friday, July 22, 2011

Prime Time, Baby!

Sometimes being a student has perks. You can get discounts on movie tickets, your car insurance rates can be lower...and you can get a year of Amazon Prime for free!

Amazon Prime is awesome, and you get all sorts of bonuses for being a member. Normally a year of membership is $79, but if you have a .edu email address you can get one year free, and a second year at half-price!

The best part of Prime, for me, is the free two day shipping! So even though my loan money might not come in until the 13th or so, I can still order the books I need after I get that money and have them in time!

Hey, that's one less expense to put on my credit card!!

Thursday, July 21, 2011

Sections and Class Lists Are Up!

For anyone going into 1L at SMU next year, the class and section lists are now up on SMU Access. You can see your section, your professor, your schedule, and your book lists!

Section 1, represent!

Personally, I have one class on Mondays, a full day Tuesday through Thursday, and I'm done by 11:15 (I think) on Fridays. And I'm in section 4 for LRWA.

PS - This is my 100th post in 2011! Yayyyyyyyyy. Thanks for reading, thanks for your emails and comments. Comment more! I'm no expert, but I'm happy to give you my opinion about anything!

How to Waive or Elect Health Care Coverage

For Katie Cristina (and anyone else wanting the answer to her question):

The way to waive or elect health care coverage is really, really simple. Go to SMU Access and log in. On the front page the second "Announcement" involves the steps you can take to waive or elect coverage. Click on the link and it will take you to the proper page.

It asks you to fill out a form regarding your current insurance coverage, and then you can elect or waive coverage from there. If you don't waive coverage by a certain date, then you'll be automatically enrolled in the health insurance program (SHIP).

I wish I could give you more information, but SMU Access is down for maintenance right now. It's pretty easy to figure out, though.

EDIT: All right, the website is back up. Go to your Access.SMU account, log in, and click "Student Center." On the right hand side in the bar that is titled "Other Links" you should see a link that says "Health Insurance." Click on that link, and it will take you through a 4-step process to waive coverage. You will have to give them all of your insurance information, and they may decline your request to waive coverage.

You have until August 26, 2011 to elect or waive coverage. If you do nothing on or before the 26th, you will be charged. This year's cost is $759 PER SEMESTER.

Saturday, July 16, 2011

This is the Sound of Silence

One last family hurrah before I leave for school in a few weeks! Since I'll be in Atlanta (sans laptop), odds are that I won't be posting until at least Thursday of next week. Don't worry, I'm not dead, nor have I deserted you in favor of business school.

In the words of my very (in)famous governator, I'll be back!

Friday, July 15, 2011

But What I Really Wanted to Be...

Yes, I'm going to law school (moving in two weeks, eeek!). But what I really wanted to be was...





An upscale wedding planner! I'm very good at coordinating events, and my flower arrangement ideas (and executions) are always awesome, if I do say so myself. One of the many reasons I loved my old job.

I Just Have to Say...

Everyone should go see Harry Potter and the Deathly Hallows part 2. RIGHT. NOW.

(I cried, like, five times).



So so soooooo good.

All right, next post will be law school related, I swear.

Thursday, July 14, 2011

Budget, Budget, Budget!

I will admit, I am not the best with money. It's not like I lose it, or buy really stupid things that I'll never use. I just like to spend it on nice things for myself, or spend it on my family and friends. And for the last few years that hasn't ever really been a problem -- I've been working full time and have very few bills to pay, so I've been able to enjoy myself without really ever worrying about money.

This is not going to be the case for the next few years.

I'm going to have to put myself on a tight budget, and really stick to it, if I don't want to ask my parents for (monetary) help. And so I've taken a few hours over the last day or so to get real about my spending habits and my financial situation over the next few years, and outline a budget that, while tight, should *hopefully* be easy to stick to for the next year.

I've found a handy app on my iPhone that will hopefully help me keep better track of my spending and budgets while I'm on the go. It's called Ace Budget, and it's helpful in that you can track multiple budgets at once, you can set different budgets for different cycle dates (weekly, monthly, etc.) and you can see your budgets in reports or charts for easy comparison. I've become a fan, and I think having something like this will make it easier for me to stick to my definite budget.

As far as my budget goes, I know several people who are only budgeting for the 10 month academic year. I don't think this is wise. While you might be able to secure paying (legal) employment during the summer after your 1L, chances are you might now, and so you should be prepared. My apartment building only offers 1 year leases, so I'm going to have to pay rent during the summer whether I'm working or not. As such, I'm stretching my budget to the full 12 months, and then just hoping that I get a paying job so that I'm a little bit ahead of the curve (budget-wise) for 2L.

Since I don't plan on getting my loan disbursement until classes start, that means I'm going to have a lot of expenses out of pocket right out of the gate: my first month's rent (and deposit), first semester books, moving expenses, a down payment on a car and my first month's payment, etc. So I'm probably looking at $5000 out of my pocket before school has even started. Yikes!

Something that I would recommend to people starting out on their budget: make sure you over estimate a little for your first two or three months. It's better to have a little bit of a surplus in one area than to be scrambling to make ends meet by taking money from here and there. So if you think you can do on a food budget of $250 per month, for the first three months allow yourself $300. After three months you've got more of an idea of what you're actually spending (especially if you've been tracking your expenses on a budget app like Ace Budget), and can reevaluate your needs compared to your budget.

My budget looks like this:

Rent: $800/month
Utilities: $250/month
Car Payments: $250/month
Car Maintenance and Gas: $100/month
Car Insurance: $100/month
Health insurance (boo): $715/semester
Books/Supplies: $1000/semester
Food: $400/month
Entertainment: $200/month

Now, when you crunch all the numbers, that's pretty much my entire budget for the year...my total amount of student loans. I've got a bit of savings for a real emergency, plus (even though I don't want to) I know I can always ask my parents for help if I'm in a real bind.  But the thing is, I feel like I've over estimated on several items...my car payment won't be that high, nor will my utilities. My food consumption probably won't take the whole budget either.

But when it comes down to it I'd rather be able to take the extra money at the end of the month and put it in my entertainment budget for the next month, than have to do without in November because I overspent in October, you know?

Wednesday, July 13, 2011

I'm a Big Girl Now, See My Big Girl Shoes...

(ah, I love Ingrid Michaelson).

A lot of people lived in their own apartments off-campus during undergrad. I'm not one of those people. Neither are 99% of the people I went to undergrad with. You see, Denison (my alma mater) is a 100% residential school, so everyone, except for students whose parents lived within 5 miles of campus, was required to live in the dorms. It was great, because you never really had to worry about anything, and you got to know everyone really well. It fostered a great sense of community.

It didn't foster the knowledge of how to set up all of the things you'll need to live on your own, however. So here I am, 24 and going into law school, and this is allllllllll new to me.

I've found an apartment okay, and signed my lease without any hitches. But now what do I do? Set up my utilities!

For those in my shoes, moving out on your own for the first time, I mean, you'll need to set up your utilities. Don't wait until you move in to get these things taken care of -- call a week or two ahead of time and have them switch over service on your move in date! It's easy to do, and that way you can make sure that you'll have lights/air conditioning/etc. on your move in day.

For my apartment building, the service providers were already decided, so I just had to call and transfer service into my name. I'm still deciding on my cable service (should I get it? Will it be a distraction? Can't I just watch Hulu Plus or Netflix online?), but for now my electricity and gas are both good to go. I'm not going to get a land line, and water and trash are both taken care of by my landlord.

It sure feels good to make those check marks on my to-do list! Soon my "to-done" list will be longer than my to-do list! Yayyyyyyy.

Tuesday, July 12, 2011

FINALLY!

SMU has finally reviewed my financial aid application and my award has been confirmed and emailed to me! If you're an SMU student and waiting for your info, go check your Pony Tracks...I'm sure they released everybody's awards at the same time.

Don't forget to make sure that you've done everything you need to do in order to receive your loans on the disbursement date! Read my blog entry all about getting your MPNs and Loan Counseling all taken care of!

EDIT: I also learned (from a very helpful source on TLS) that you can set up to receive a direct deposit of your loan funds into your bank account. Here are the instructions from chrisokc on the SMU 2014 thread at TLS. Looking at how slow SMU was in getting the awards actually approved, you should probably look at doing this just to lessen the time it will actually take you to get your money.

I'm Peeved

So, yesterday I took care of a bunch of health related stuff. Last step? Calling to waive SMU's health care option. I have my own health care, so I don't need to pay the extra $715 per semester for theirs, right?

WRONG.

I'm super peeved at my new educational institution right now, because apparently even if you have health insurance, people with HMOs instead of PPOs don't get the option of waiving the SMU coverage. What does that mean, exactly?

Well, to be a student at SMU you have to do two health related things. You have to pay your Student Health Center fees, which are built into your student fees. Every student has to do this. You don't have a choice. Those fees cover routine visits at the Health Center, as well as counseling services, etc. etc. So if you're going in because you've got strep throat, or something, that would be covered by the student fees you're paying.

The second thing you have to do is have health insurance/medical coverage. This is in case something a little more serious were to happen -- x-rays, ambulance rides, hospitalizations, etc. Now, if you have a PPO then you can waive SMU's health insurance, no problem, and you go on your merry way. But those of us with HMOs? Fuhggedaboudit.

We don't have the choice. We have to pay the extra $715 per semester. So then we are covered DOUBLE, and if we choose to use the SMU insurance to visit a local doctor for something we would have a $250 deductible! I don't have a deductible on my own health insurance! Why would I want to pay for insurance when I'm just going to have to pay a deductible if I really have no need to?

The answer is: I don't. I don't want to pay that extra $715 a semester. My budget is already going to be tight enough as it is. I don't want to pay for the health insurance PLUS the health fees, when the health fees in addition to my own personal insurance that I already have will pretty much take care of any situation that could possibly arise. But do I have a choice? NO. Which amounts to little more than thievery, in my book. I'm paying $1430 per year to get covered less comprehensively than I am without having to pay anything per year.

What part of that makes sense? No wonder I'm peeved.

Monday, July 11, 2011

0L Prep: Taking Care of (Your Body's) Business

Over the last week, I've started really getting into the swing of the whole "I"m moving to Dallas and going to law school in less than a month" thing. I've started actively packing up my room, and I'm slowly but surely checking things off of my to-do list. 

One thing that I can count as checked off as of today? Getting my health care stuff in order. You see, any law school that you attend is going to want to have a health questionnaire filled out by your doctor. But you should also take this opportunity to make sure that you are in tip-top shape before you leave the comfort of home and your family doctor.

You should review all of your immunization and booster records to make sure that you're not due for something important. All educational institutions require that you have your MMR (Measles, Mumps, and Rubella) vaccines. Most people get them as kids...I got mine when I was about a year old.

Tetanus boosters should be given once every ten years, so if you haven't had one since junior high you'll want to get that taken care of . The tetanus booster is often administered in conjunction with the vaccines for pertussis (whooping cough) and diptheria, all together called a PDT or TdaP vaccine. I got mine last Thursday, and I'm no wimp, but BOY was my arm sore! For three or four days!

You'll also want to make sure that you're immune to Varicella (chicken pox) and Hep A and Hep B. Most colleges will have required you to get vaccinated against Meningitis, so odds are you've had that done in the past, but it doesn't hurt to take a look at your records just to make sure. 

Lastly, you will be required to show proof of a negative TB test. The test, known as a PPD skin test, is pretty simple -- they insert a small dose of tuberculin units into your forearm, and in two days you go back to have the test "read." They just check to make sure that you haven't had any sort of bad reaction to the injection, and that the bubble has receded. 

Another thing you should do is make sure that you get your "yearly" visits out of the way before you leave, so that you don't have to worry about scheduling them during the school year. Eye appointments, dental check ups, lady-parts visits, physicals -- they can all be taken care of in July and August.

If you have contacts or glasses, make sure that your prescription is valid for a whole year from the summer, that way if for some reason you do need to order new glasses or contacts you can do so without having to schedule another eye exam. I personally wear contacts, so I'm going to make sure I have no less than a six month supply before I leave.

It pays to make sure that you have all your ducks in a row, that way you aren't scrambling around like a crazy person once you make it to school and realize you only have a couple of days to get the different shots or inoculations before school starts. 

Thursday, July 7, 2011

I Made a Moving AND a Car Decision!

So, if you've been reading you know that I've been wrestling with the decision on how to (or whether to) move my crap from here in California to Dallas. I was weighing a couple of different options, but after a lot of number crunching I've decided that it makes the most sense to rent a PODS-like storage cube, pack it up, and ship it to Dallas.

I decided to go with ABF's U-Pack ReloCube because of their competitive pricing. Ultimately, it's going to cost me about $920 to get a cube that will fit a studio's worth of furniture and stuff from here to Dallas. I picked the door-to-door method, which is a little more expensive (but significantly more convenient and less stressful) than the terminal-to-terminal option. They will drop off a ReloCube (which is about 6' x 7' x 8') in front of my house, give me 5 days to fill it up, and then pick it up. 4 days later it will be in Dallas waiting for me when I get off of the plane!

Originally it seemed a little bit of a waste to me to pick to storage pod option, just because I didn't have enough furniture to fill my apartment anyway, and I would have ended up shopping for the big things (bed, couch, table, etc.) in Dallas anyway. However, my mother and my aunt both decided to redecorate rooms in their respective houses over the summer, so I now have pretty much everything I'll need at my disposal, so it ends up costing me less in a long run (and it's nicer furniture than I could afford on my own!).

ALSO, I've decided to wait until I get to Texas to get a new car. I think I've pretty much decided to go for a lease instead of a purchase, in an effort to keep my payments down and because I really don't know where I'll be in 3 years. I'm going to try to sell my car as a "Mechanic's Special" locally, and if I get $1,000 that's great. I'm thinking that my plan will be to arrange for the lease over the phone over the next month, and then when I land in Dallas go to the car lot and pick up my new ride. I'll just have to drive one of our family cars around until then.

I decided not to buy or lease here at home because if I went with a lease then 15% of my annual mileage allowance is used in the first month just driving out to Dallas, and that just didn't make sense to me. PLUS Texas has a lower sales tax rate than California, and they tax you on the cost of the car out the door (after rebates), rather than the sticker price (pre-rebate) like California does.

So, those are two huge weights lifted off of my shoulders. While I still have to get all of the details ironed out, it does make me feel so much better to at least have a direction in which I'm moving already worked out!

Wednesday, July 6, 2011

But What I Really Wanted to be...

Yes, I'm going to law school (in less than a month!). But what I really wanted to be was...



An editor at Vogue!

Tuesday, July 5, 2011

Schools with Free Applications

"Why can't we hunt something cool? Like a hawk or an eagle, something with talons?"
"That'd be awesome. We could get something like big game. Even a gorilla, or a rhinoceros, or a f***ing human being! That'll get you jacked up."
                         - Wedding Crashers (2005)

What do you like better - Christmas, or Application Season? I'd definitely go with Christmas. Sorry, Vince Vaughn.

In my personal journey towards law school, I'm well past the application cycle (no duh). But if you're gearing up to apply for the 2011-2012 cycle, there are a fair few things you should be taking the summer to get done, especially if you're still in undergrad.

Of course, you should take the LSAT. At this point the June LSAT has occurred, but if you still haven't taken it, or if you plan on re-taking because of a less than stellar score, now is the time to study for the test. If you put in even an hour a day, four or five days a week during the summer, then once school starts you're golden. All you'll have to do is take a BUNCH of practice tests, but you'll already have worked out the approaches to the different sections that are effective for you.

Since it's been years since I studied for the LSATs I don't want to talk about that too much. What I do want to talk about it identifying your application strengths and weaknesses, and working on a list of where to apply. If you're planning to apply for admission to law school for next fall, you should be setting up your list of target schools now, and applying as early as possible (especially if you're a splitter or your numbers are on the less-competitive side for a given school). A lot of applications go up in September, and an early application never hurts, so you should have your applications, and any supplemental materials, ready to go by then.

Take some time to re-read my post from last year about picking where to apply. Use those tools to craft a target list for yourself. Another good resource for finding out information about each application you might be interested in (fee, deadlines, requirements, etc.) in one centralized location is AppReqs.com. You can filter and sort results based by what's important to you (deadline, essay length, application fee), and it has a majority of the ABA-accredited law schools

But bear in mind the cost of applying to each school. Those $60 applications add up REALLY quickly. So, I've taken it upon myself to craft a list (not exhaustive, but pretty good) of schools that have no application fee. Some of this data is available on TLS, but in threads that are locked, so you can't find it really easily.

Don't forget, you can always ask for a fee waiver! And even if the application is free or you get a waiver, you still have to pay the LSAC fee of $12. Check out my list after the jump!