Columbia Law Class of 2015

(housing, friendships, future exams, all things 2015)
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Boston_NYG2245
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Re: Columbia Law Class of 2015

Postby Boston_NYG2245 » Tue May 29, 2012 9:36 am

Bronck wrote:
jetissent wrote:
Bronck wrote:Wanted to get your guys' wisdom:

opening up a bank account with TD Bank when I move. Any point in getting a savings account? or is a checking account good enough? It's a $250 minimum for the account and it obviously has little to no interest. Is there some advantage/need for a savings account?



I have TD, their interest rate really blows but I'd open both anyway. The practical benefit is that if your debt card is ever stolen/lost they only have access to the money you have in your checking (assuming they don't have your pin as well). They have a smartphone app you can use to easily transfer back and forth between the two accounts so there isn't really a reason not to use the savings account IMO.


Good point. Some added security is always nice.

Yeah, I did a lot of research and it seems like everyone says TD is the best in NY. Chase has more locations, but TD has better hours and better customer service. I don't really expect great interest rates from banks anymore, that's what the stock market is for! haha


Ya, interest rates shouldn't enter the equation when you're opening a bank account. I personally have a savings account because it keeps me disciplined (can only withdraw/transfer 3 times in a month before getting hit with fees and I hate fees) while affording me some liquidity. I know that if all my money was in checking, I'd run through it way too fast and it gives me peace of mind to have that savings buffer. I keep the bulk of money in a brokerage account and my old 401k, so that I can see some returns (although with this year's market volatility it hasn't been great), but having some money in the savings account is good because it's more liquid than stock. Depending on how much money you have I would consider opening one.

ETA: Obviously go for the best interest rate you can get, but realize that any savings account will return below inflation, especially in an environment like the current one where the Fed is expanding the money supply to ease the recession

lawbeanie
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Re: Columbia Law Class of 2015

Postby lawbeanie » Tue May 29, 2012 10:22 am

Any word from housing? STILL NOTHING. STIIIIILLL NOOTTTTHIINNNGGG.

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crooked
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Re: Columbia Law Class of 2015

Postby crooked » Tue May 29, 2012 1:32 pm

So. Hi guys. I'm new here.

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Tiago Splitter
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Re: Columbia Law Class of 2015

Postby Tiago Splitter » Tue May 29, 2012 1:38 pm

crooked wrote:So. Hi guys. I'm new here.


In off the waitlist?

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crooked
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Re: Columbia Law Class of 2015

Postby crooked » Tue May 29, 2012 1:45 pm

Tiago Splitter wrote:
crooked wrote:So. Hi guys. I'm new here.


In off the waitlist?


Is that reserve? Then yes.

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moneybagsphd
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Re: Columbia Law Class of 2015

Postby moneybagsphd » Tue May 29, 2012 1:48 pm

crooked wrote:
Tiago Splitter wrote:
crooked wrote:So. Hi guys. I'm new here.


In off the waitlist?


Is that reserve? Then yes.

Hey, when did you get in? I got in off reserve last week.

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crooked
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Re: Columbia Law Class of 2015

Postby crooked » Tue May 29, 2012 1:50 pm

moneybagsphd wrote:
crooked wrote:
Tiago Splitter wrote:
crooked wrote:So. Hi guys. I'm new here.


In off the waitlist?


Is that reserve? Then yes.

Hey, when did you get in? I got in off reserve last week.


Most likely outing myself (hi, admissions office! You're great!), but last week as well.

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icedflames
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Re: Columbia Law Class of 2015

Postby icedflames » Tue May 29, 2012 1:52 pm

Anyone opening a Citi account?

I thought they had the most ATMs on campus and an actual location fairly close to campus (112th?)

eta:
crooked wrote:So. Hi guys. I'm new here.

welcome and congrats!

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crooked
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Re: Columbia Law Class of 2015

Postby crooked » Tue May 29, 2012 1:53 pm

icedflames wrote:
crooked wrote:So. Hi guys. I'm new here.

welcome and congrats!


Thank you!

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blue_c
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Re: Columbia Law Class of 2015

Postby blue_c » Tue May 29, 2012 2:26 pm

Welcome, welcome!

We are discussing... what we will use for money? I guess I'll just stick to my chase student account (checking) and use my credit card for spending. Good for helping your credit rating. I almost never use cash. I withdraw 40 bucks from the atm once a month maybe.

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smaug_
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Re: Columbia Law Class of 2015

Postby smaug_ » Tue May 29, 2012 2:55 pm

Is it worth setting up a new account for NYC? I love my credit union, but they wouldn't be at all local.

How are people from out of state planning on furnishing their apartment? I've never moved this far without having a car. I was looking at IKEA and the delivery charge doesn't seem too awful, but I'm sure there are other options.

Also, congrats crooked!

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Bronck
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Re: Columbia Law Class of 2015

Postby Bronck » Tue May 29, 2012 3:03 pm

Got my housing!!!!

Do we call the general UAH housing for floor plans? Or can we call Juliana at the law school?

Whenever I call the former, they never pick up

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crooked
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Re: Columbia Law Class of 2015

Postby crooked » Tue May 29, 2012 3:05 pm

Bronck wrote:Got my housing!!!!

Do we call the general UAH housing for floor plans? Or can we call Juliana at the law school?

Whenever I call the former, they never pick up


Apparently Juliana is out until the fifth.

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Bronck
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Re: Columbia Law Class of 2015

Postby Bronck » Tue May 29, 2012 3:07 pm

crooked wrote:
Bronck wrote:Got my housing!!!!

Do we call the general UAH housing for floor plans? Or can we call Juliana at the law school?

Whenever I call the former, they never pick up


Apparently Juliana is out until the fifth.


Damn, alright. Well, I don't think a floorplan is that important. Not like I'll reject this assignment.

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Tiago Splitter
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Re: Columbia Law Class of 2015

Postby Tiago Splitter » Tue May 29, 2012 3:07 pm

Bronck wrote:Got my housing!!!!

Do we call the general UAH housing for floor plans? Or can we call Juliana at the law school?

Whenever I call the former, they never pick up


Did the floorplan PDF not show up with your housing assignment?

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icedflames
Posts: 375
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Re: Columbia Law Class of 2015

Postby icedflames » Tue May 29, 2012 3:08 pm

Bronck wrote:
crooked wrote:
Bronck wrote:Got my housing!!!!

Do we call the general UAH housing for floor plans? Or can we call Juliana at the law school?

Whenever I call the former, they never pick up


Apparently Juliana is out until the fifth.


Damn, alright. Well, I don't think a floorplan is that important. Not like I'll reject this assignment.


awesome! finally haha

I think housing told me that if there was no pdf attached to your housing assignment, there's no floor plan available.

Did anyone call for the dimensions if there was no floorplan?

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Bronck
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Re: Columbia Law Class of 2015

Postby Bronck » Tue May 29, 2012 3:08 pm

Tiago Splitter wrote:
Bronck wrote:Got my housing!!!!

Do we call the general UAH housing for floor plans? Or can we call Juliana at the law school?

Whenever I call the former, they never pick up


Did the floorplan PDF not show up with your housing assignment?


Unfortunately not. I guess it doesn't show up for everyone.

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Bronck
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Re: Columbia Law Class of 2015

Postby Bronck » Tue May 29, 2012 3:26 pm

Boston_NYG2245 wrote:Ya, interest rates shouldn't enter the equation when you're opening a bank account. I personally have a savings account because it keeps me disciplined (can only withdraw/transfer 3 times in a month before getting hit with fees and I hate fees) while affording me some liquidity. I know that if all my money was in checking, I'd run through it way too fast and it gives me peace of mind to have that savings buffer. I keep the bulk of money in a brokerage account and my old 401k, so that I can see some returns (although with this year's market volatility it hasn't been great), but having some money in the savings account is good because it's more liquid than stock. Depending on how much money you have I would consider opening one.

ETA: Obviously go for the best interest rate you can get, but realize that any savings account will return below inflation, especially in an environment like the current one where the Fed is expanding the money supply to ease the recession


Thanks man, just the kind of info I was looking for!

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Bronck
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Re: Columbia Law Class of 2015

Postby Bronck » Tue May 29, 2012 3:29 pm

Just booked my flight. I will be in NYC August 7th!!!

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Elliott_Smith
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Re: Columbia Law Class of 2015

Postby Elliott_Smith » Tue May 29, 2012 3:40 pm

Congrats to everyone who just got in, that is awesome!

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Bronck
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Re: Columbia Law Class of 2015

Postby Bronck » Tue May 29, 2012 3:42 pm

Also got my immunization form approved today! I think the last two things on my checklist are: health insurance waiver and Perkins loan MPN

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crooked
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Re: Columbia Law Class of 2015

Postby crooked » Tue May 29, 2012 3:47 pm

Thanks for all the congrats. I feel very very behind and am only now starting my housing application...

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Elliott_Smith
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Re: Columbia Law Class of 2015

Postby Elliott_Smith » Tue May 29, 2012 4:39 pm

Can someone link the immunization form? I didn't see it on the ASW

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icedflames
Posts: 375
Joined: Mon Mar 07, 2011 7:04 pm

Re: Columbia Law Class of 2015

Postby icedflames » Tue May 29, 2012 4:41 pm

Elliott_Smith wrote:Can someone link the immunization form? I didn't see it on the ASW


--LinkRemoved--

This is it right?


Also, does anyone know the procedure for insurance waiver? I found a short description, but no form or anything

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blue_c
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Re: Columbia Law Class of 2015

Postby blue_c » Tue May 29, 2012 4:42 pm

crooked wrote:Thanks for all the congrats. I feel very very behind and am only now starting my housing application...

When they get back to you within a week and you end up with a better place than Bronk I will laugh and laugh and laugh.

They will only attach a PDF if its for your exact apartment style, but sometimes they have one that's fairly close. I'd say its worth calling for, though I wouldn't wait for it to accept the offer.




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