California or Bust and Slightly Less Debt-Averse...

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bk1
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Re: California or Bust and Slightly Less Debt-Averse...

Postby bk1 » Wed Apr 03, 2013 10:28 pm

RELIC wrote:$50k is a ton when amortized over a 5-20 year repayment.

Material to the discussion at hand you dense fuck. Nobody is claiming that 50k isn't a lot of money. What they're saying is that even a 50k difference doesn't change anything with regards to OP's decision.

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twinkletoes16
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Re: California or Bust and Slightly Less Debt-Averse...

Postby twinkletoes16 » Wed Apr 03, 2013 10:29 pm

bk1 wrote:
RELIC wrote:$50k is a ton when amortized over a 5-20 year repayment.

Material to the discussion at hand you dense fuck. Nobody is claiming that 50k isn't a lot of money. What they're saying is that even a 50k difference doesn't change anything with regards to OP's decision.



you, i like you.

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Ruxin1
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Re: California or Bust and Slightly Less Debt-Averse...

Postby Ruxin1 » Wed Apr 03, 2013 10:29 pm

twinkletoes16 wrote:
bk1 wrote:
RELIC wrote:$50k is a ton when amortized over a 5-20 year repayment.

Material to the discussion at hand you dense fuck. Nobody is claiming that 50k isn't a lot of money. What they're saying is that even a 50k difference doesn't change anything with regards to OP's decision.



you, i like you.


Sorry laxbro

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RELIC
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Re: California or Bust and Slightly Less Debt-Averse...

Postby RELIC » Wed Apr 03, 2013 10:31 pm

bk1 wrote:
RELIC wrote:$50k is a ton when amortized over a 5-20 year repayment.

Material to the discussion at hand you dense fuck. Nobody is claiming that 50k isn't a lot of money. What they're saying is that even a 50k difference doesn't change anything with regards to OP's decision.

Well OP is just throwing around a figure to base her decision off of and I was trying to figure out where it came from. Now that I know it came from LST (and that LST made it up). I can give OP better advice.

It doesn't change the calculus here but it may if Cal gives her money. Because that $293k is a gross over estimation.

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twinkletoes16
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Re: California or Bust and Slightly Less Debt-Averse...

Postby twinkletoes16 » Wed Apr 03, 2013 10:33 pm

Ruxin1 wrote:
twinkletoes16 wrote:
bk1 wrote:
RELIC wrote:$50k is a ton when amortized over a 5-20 year repayment.

Material to the discussion at hand you dense fuck. Nobody is claiming that 50k isn't a lot of money. What they're saying is that even a 50k difference doesn't change anything with regards to OP's decision.



you, i like you.


Sorry laxbro



i'm surprised he hasn't shown up in this thread yet. it might be a beetlejuice-type thing where we have to say his name three times, though.

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twinkletoes16
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Re: California or Bust and Slightly Less Debt-Averse...

Postby twinkletoes16 » Wed Apr 03, 2013 10:33 pm

RELIC wrote:
bk1 wrote:
RELIC wrote:$50k is a ton when amortized over a 5-20 year repayment.

Material to the discussion at hand you dense fuck. Nobody is claiming that 50k isn't a lot of money. What they're saying is that even a 50k difference doesn't change anything with regards to OP's decision.

Well OP is just throwing around a figure to base her decision off of and I was trying to figure out where it came from. Now that I know it came from LST (and that LST made it up). I can give OP better advice.

It doesn't change the calculus here but it may if Cal gives her money. Because that $293k is a gross over estimation.



better to overestimate than underestimate.

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J-e-L-L-o
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Re: California or Bust and Slightly Less Debt-Averse...

Postby J-e-L-L-o » Wed Apr 03, 2013 10:33 pm

bk1 wrote:
RELIC wrote:$50k is a ton when amortized over a 5-20 year repayment.

Material to the discussion at hand you dense fuck. Nobody is claiming that 50k isn't a lot of money. What they're saying is that even a 50k difference doesn't change anything with regards to OP's decision.


LOL. I'm too nice to post what I think...But that fit the bill nicely.

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RELIC
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Re: California or Bust and Slightly Less Debt-Averse...

Postby RELIC » Wed Apr 03, 2013 10:38 pm

twinkletoes16 wrote:
RELIC wrote:
bk1 wrote:
RELIC wrote:$50k is a ton when amortized over a 5-20 year repayment.

Material to the discussion at hand you dense fuck. Nobody is claiming that 50k isn't a lot of money. What they're saying is that even a 50k difference doesn't change anything with regards to OP's decision.

Well OP is just throwing around a figure to base her decision off of and I was trying to figure out where it came from. Now that I know it came from LST (and that LST made it up). I can give OP better advice.
It doesn't change the calculus here but it may if Cal gives her money. Because that $293k is a gross over estimation.

better to overestimate than underestimate.

True. The better question is does LST use the same type of over estimation for all schools and are you basing all your decisions off those LST numbers. Then at least they are all on a level playing field for comparison's sake.

BigZuck
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Re: California or Bust and Slightly Less Debt-Averse...

Postby BigZuck » Wed Apr 03, 2013 10:40 pm

I remember a recent thread where Romo said that bk is not rude and here he goes calling someone a "dense fuck."

Just an observation, I thought it was funny. Carry on.

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bk1
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Re: California or Bust and Slightly Less Debt-Averse...

Postby bk1 » Wed Apr 03, 2013 10:42 pm

RELIC wrote:True. The better question is does LST use the same type of over estimation for all schools and are you basing all your decisions off those LST numbers. Then at least they are all on a level playing field for comparison's sake.

LST uses an annual increase of around 4.5% (which isn't unreasonable). The big issue is that LST has Cal's tuition wrong (it's off by about 4k for 2011-2012).

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Dr. Dre
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Re: California or Bust and Slightly Less Debt-Averse...

Postby Dr. Dre » Wed Apr 03, 2013 11:35 pm

BigZuck wrote:I remember a recent thread where Romo said that bk is not rude and here he goes calling someone a "dense fuck."

Just an observation, I thought it was funny. Carry on.


+1

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Cobretti
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Re: California or Bust and Slightly Less Debt-Averse...

Postby Cobretti » Thu Apr 04, 2013 1:05 pm

Image
Image

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untar614
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Re: California or Bust and Slightly Less Debt-Averse...

Postby untar614 » Thu Apr 04, 2013 1:45 pm

why are we still hung up on berk? I thought OP said she wasn't going unless they gave her a decent scholly anyway? But yeah, at sticker, that table is scary. UCLA one would be more useful to better gauge the real cost difference.

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Rahviveh
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Re: California or Bust and Slightly Less Debt-Averse...

Postby Rahviveh » Thu Apr 04, 2013 1:46 pm

mrizza wrote:Image
Image


where you get this calculator?

toothbrush
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Re: California or Bust and Slightly Less Debt-Averse...

Postby toothbrush » Thu Apr 04, 2013 1:47 pm

ChampagnePapi wrote:
mrizza wrote:Image
[img]h[/img]


where you get this calculator?

+1

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Micdiddy
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Re: California or Bust and Slightly Less Debt-Averse...

Postby Micdiddy » Thu Apr 04, 2013 1:51 pm

He made it himself.

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Dr. Dre
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Re: California or Bust and Slightly Less Debt-Averse...

Postby Dr. Dre » Thu Apr 04, 2013 1:53 pm

OP just go to Northwestern and stop wasting time thinking about this

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J-e-L-L-o
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Re: California or Bust and Slightly Less Debt-Averse...

Postby J-e-L-L-o » Thu Apr 04, 2013 2:26 pm

Dr. Dre wrote:OP just go to Northwestern and stop wasting time thinking about this


Start looking at them Chicago living options already

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Aberzombie1892
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Re: California or Bust and Slightly Less Debt-Averse...

Postby Aberzombie1892 » Thu Apr 04, 2013 4:52 pm

Dr. Dre wrote:OP just go to Northwestern and stop wasting time thinking about this


Basically. This thread should be over.

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twinkletoes16
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Re: California or Bust and Slightly Less Debt-Averse...

Postby twinkletoes16 » Thu Apr 04, 2013 5:33 pm

This thread SHOULD be dead, but I'm in NYC right now and absolutely cannot imagine myself living here and doing biglaw. This place is just not for me. So again, CA or bust.

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untar614
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Re: California or Bust and Slightly Less Debt-Averse...

Postby untar614 » Thu Apr 04, 2013 5:55 pm

twinkletoes16 wrote:This thread SHOULD be dead, but I'm in NYC right now and absolutely cannot imagine myself living here and doing biglaw. This place is just not for me. So again, CA or bust.

Have you been to chicago before?

ETA well I guess it doesnt matter, if not just readdress that when u have, but theyre not the same
Last edited by untar614 on Thu Apr 04, 2013 6:30 pm, edited 1 time in total.

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Cobretti
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Re: California or Bust and Slightly Less Debt-Averse...

Postby Cobretti » Thu Apr 04, 2013 6:04 pm

I made it, pm me your email if you want it

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RELIC
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Re: California or Bust and Slightly Less Debt-Averse...

Postby RELIC » Thu Apr 04, 2013 6:16 pm

mrizza wrote:I made it, pm me your email if you want it

I love the charts above.

However, I don't think the payments are realistic. 4K is a ridiculous amount to commit to a loan payment. It is doable but that leaves you very little to live comfortably and I doubt anyone could sustain that payment schedule and lifestyle for more than a year or two.

nanochick
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Re: California or Bust and Slightly Less Debt-Averse...

Postby nanochick » Thu Apr 04, 2013 6:18 pm

Beautiful charts, but why the salary drop at year 6?

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RELIC
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Re: California or Bust and Slightly Less Debt-Averse...

Postby RELIC » Thu Apr 04, 2013 6:18 pm

nanochick wrote:Beautiful charts, but why the salary drop at year 6?

That is when you get pushed out of biglaw a cop dat in-house gig.




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