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November 18th, 2009

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12:07 am - while i'm here, i suppose i could write an update
so now that i've been in law school for a few months (holy crap! when did that happen?) how am i doin? pretty well i guess. i'm (mostly) keeping up with the work. i am pretty confident about property, and i think alright in torts. civ pro is scary tho - there are so many rules! they all do weird things! gah! and it doesn't help that the professor seems to be thinking on a totally different level from most of the class. he'll ask questions and nobody has any clue what he is looking for. i don't know if we're all idiots (he seems to have explicitly assumed this, which i find kind of hilarious) or what. i guess we'll find out when we get to the final? i missed the last review session because i was exhausted and nodding off, but there's one tomorrow.
i spend most of my time here feeling really unsure of myself and what i'm doing. am i getting this stuff? what am i going to do with it? should i even be here? SOMEONE COME TAKE CARE OF ME i just want to be a stay at home dad anyway. where's my rich wife?

i need to get a new bank. i'm at university credit union now, and in a nutshell they don't exist. they have one of those stupid systems where when you call you go straight to voicemail and then someone calls you back. at first they were good about it, but once i actually had an acct they stopped existing. i leave messages on the phone, on the site, by email, no response. so hell with em! i would've closed my acct already but the closest branch is a T ride away and i'm lazy. all the credit unions around here are a T ride away.
i think i'm going to have to get off my moral high horse and go with bank of america. i've been using credit unions for 5 yrs! in theory they are good! in practice i have no idea if it makes any difference. it certainly doesn't for me, since the most complex use i make of my bank is to check my savings balance online. (this, btw, is what i have been trying to get ahold of ucu about - they don't seem to want to let me log onto the site.) anyways, i don't take the T often enough to make a monthly pass worthwhile and i don't wanna spend a couple bucks every time i need to go to the bank, and bank of american is RIGHT HERE. so i guess i'll switch.

of course, the monthly pass would be totes worthwhile if i were regularly fencing. that's a T and a bus ride each way. stupidly though, i've only gone once since i got here. i felt so happy back at it! it was really great. but every time since then i am too busy or lazy or have things planned or lots of homework or other dumb excuses. i should just go, i really should.

in other news, aws and john called me a dirty hippie today. i didn't know it was so obvious. well i mean, the dirty part certainly is. everyone here is so fancy, with their polo shirts and sweaters and good hygiene! i miss living with people who wear the same clothes for a week.

apparently i had more to say about my bank than anything else. that's kind of lame.
Current Location: United States, Boston, Huntington Ave, 335
np: Whiskeytown - Pawn Shop Ain't No Place for a Wedding Ring | Powered by Last.fm

(10 shots upside the head | en garde!)


[User Picture]
Date:November 18th, 2009 05:59 am (UTC)

The Bank of Fuck-You-Real-Hard-in-the-Ass-with-No-Lube -rica.


it is one of my lifetime goals to see Bank of America GO DOWN.
..and i don't mean in the good way.
They ruined my life for 6 years. They'll do it to you too, if they can.
Every person I have EVER talked to with an account with them, or that ever HAD an account with them, has nothing good to say. NOTHING.
And Chase is headed that way too. I know, because I just opened an account with them, and not even a month went by and they were already fucking around.

Are you close to Brookline??
Brookline Bank is awesome. never a problem.
Wherever you go, PLEASE don't go to Bank of America,

[User Picture]
Date:November 18th, 2009 02:26 pm (UTC)

Re: The Bank of Fuck-You-Real-Hard-in-the-Ass-with-No-Lube -rica.

eek! pretty much all my friends here have boa - they have an atm on campus and a branch right up mass ave - and nobody's told me any horror stories yet. and my dad even went to the trouble of emailing me that they've had boa forever and it's been fine.
why were they so terrible for you?
[User Picture]
Date:November 18th, 2009 10:53 pm (UTC)

Re: The Bank of Fuck-You-Real-Hard-in-the-Ass-with-No-Lube -rica.

i had BOA at UNH and it sucked. TD Bank is the best.
[User Picture]
Date:November 19th, 2009 01:19 am (UTC)

Re: The Bank of Fuck-You-Real-Hard-in-the-Ass-with-No-Lube -rica.

td bank is only ok if you have enough money in your account at all times. they did away with free ANYTHING and didn't grandfather in anybody. assholes.

my sister works for them and told me to go to a credit union.

we use members first and get 4% back on our rewards CHECKING ACCOUNT with no minimum balance .unheard of.
they also reimburse your atm fees.

so my point is, it doesn't matter if there is not one around where you live because there is online and any atm you want.

it's been almost 6 years, and we're happy with them.
[User Picture]
Date:November 19th, 2009 11:28 am (UTC)

Re: The Bank of Fuck-You-Real-Hard-in-the-Ass-with-No-Lube -rica.

td bank is great depending on where you are. my account is based out of NY and i never have fees. ever. i live in PA but never switched my acct for that reason.
Date:November 18th, 2009 01:51 pm (UTC)

Law School

I think I told you that I spoke to a lawyer last summer. He stressed that the first year is very difficult and everyone has doubts. He said that if a student gets through the first year, s/he will make it all the way through. Consequently, don't think too much about what will I do in 3 years or whatever. Just do your best for THIS year. As for the rich wife, I'll start sending out feelers. Love, Mom Knows Best
[User Picture]
Date:November 18th, 2009 02:06 pm (UTC)

Re: Law School

haha you guys are my favourite parents ever =D

PS Dan! I have a skype phone now so can call you for free, also I still need to mail your germ coasters.

Will you update me on your phone number and address?
[User Picture]
Date:November 18th, 2009 02:12 pm (UTC)

Re: Law School

oh yay! i'm 401-996-5614 call me constantly!

335 huntington ave, apt 57
boston ma
(Deleted comment)
[User Picture]
Date:November 18th, 2009 04:11 pm (UTC)
are banks that carbon-intensive?

citizens is not nearby. my options are

convenient: boa
inconvenient: everything else

the middling option is northeastern credit union, which is bizarrely not advertised at all to the neu community, and is affiliated with boa and uses their atms. there's no online access though, which i want.
[User Picture]
Date:November 19th, 2009 09:41 pm (UTC)
From what I understand (including my experience too), BOA is mostly fine unless you're shit with your money.

If you always keep your account over their minimum balance, make sure to opt out of the overdraft protection scheme, don't use the atm card anywhere except a BOA atm, etc, then you'll never even notice that you're with a bank vs. a credit union.

If you're the sort of person who is down to the wire every week, and it's really easy for you to go .50 cents into the red, then you will get hammared with fees and they will pile them on mercilessly.

Keep track of your money and don't spend more than you have, read their fine print and follow the rules that are pretty clearly displayed and you'll be grand.

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