One masters degree or two

One masters degree or two?
I'm in a dual program for and MA in Economics and an MS in Finance. I've knocked out most of my classes for a solo MA degree and I've only take a couple electives towards the finance degree. I'm having second thoughts on the dual program now and wondering if I should just graduate in the spring with the MA Econ or push on till summer/fall for the dual. I know if I want to teach econ at the college level I need the PhD and neither degree really matters, but I don't know about the business world. Frankly I don't know much about finance careers at all. Is having the dual worth it? Does the business community look at a finance degree as someone too lazy to push into accounting, our are there vaild fields that want such talents? I know about stock brokers and bankers- is there anything else out there besides those? Are these jobs I can only get with a finance degree, or are they just as attainable with an Econ masters?
Higher Education (University +) - 6 Answers

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Since you probably have most of the credits needed..look at an MS in financial engineering...at my old school Baruch, they are starting at $130,000...............it is the HOT degree right now.and Wall St gives bonus....................... good luck


3
If you're within a semester or two of finishing the MS in finance, definitely push on through--a master's degree in finance opens up a lot of job opportunities that the MA in economics won't. And no, employers won't see you as too lazy to do accounting--finance is one of the most in-demand specialities in business right now. You might want to check out the Occupational Outlook Handbook online for information about jobs in finance.


4
Really you need to make up your mind about what you want to do once you have finished school. Do you want to teach? Then go for the PHD and begin doing work as a Teaching Assistant (T.A.) now. If you want to work in a bank or as a stock broker you should talk to someone who does that kind of work. They will be able to give you the best info as to what you should do education-wise right now. My opinion: either degree is just as well as the other; it really depends on what you want/like to do and how hard you are willing to work at acheiving your goals within that mileau.


5
I cannot speak specifically to your situation, but I know of one person who is taking a dual Masters, and going to take a dual PhD, in two different but supporting areas. Also planning on finishing his Teaching certificate between. It is hard to be too educated, and having a broad range of information available makes life more interesting to yourself at least, but also may help in future problem solving. I only have one batchelor's degree, but took a wide variety of courses, so I would be within a year each of 3 more degrees (one of them a Master's) and a certificate. I have never regretted taking so much education, as while it has not made me more money, it has helped me in all sorts of problem solving, as I know many approaches to many problems. And has made me more conscious of aesthetics, so I can enjoy more widely. And design aesthetically also, if the occasion arises. And helps me understand more aspects and interrelationships of the world we are obliged to live in. My recommendation is always get all the education you can in as broad a range of areas as you can, and I doubt you will ever regret it.


6
First, if you're contemplating working in academics then apply to a ph.d program. Don't bother getting another masters as it's going in the wrong direction. Finance has many areas of speciality. It has little to do with accounting too, they cover different aspects of a business. With an econ degree, you will probably be most interested and familiar with the investments aspect of finance. An MS finance program in such will focus on application of investment theory more so than the theoreticals.

Can someone please give me a list of AMERICAN JOB WEBSITES

Can someone please give me a list of AMERICAN JOB WEBSITES???
Hi Friends, I am currently a Londoner and I have just completed my MA. I really do not wish to be in London at the moment. I would like to go abroad for a short period of time to acquire some valuable work experience. I have been particularly thinking of the USA (New York, Miami) and Japan (Tokyo). My BA (hons) was in history whilst my MA has been in International Politics. Most of my work experience has been within banking and Finance. So I am actually considering a career in a wide variety of areas. I would be grateful if you can give me job websites, recruitment websites. I already know about www.monster.com. Any others???
Careers & Employment - 5 Answers

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careerbuilder.com


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No this isn't SPAM people,its actual earnings. CashCrate is a great site to make money on if you live in the USA (or Canada). I made $494+ in February. But it did take a bit of work initially--I added referrals--and the money got better. And I believe my earnings will continue to grow. I started by answering surveys on CashCrate and filling out some free offers and received a real check from them. For example, I signed up for E-bay and made a bid and got paid $8.00. And there are no fees to join. It is totally free. So I made a little my first month with them. http://www.cashcrate.com/index.php?ref=134239 But once I found out this site was legit, I started adding referrals. For every person you refer, you get 20% of what they earn. And for every person that one of your referrals refer to CashCrate, you get 10%. It may take some time to build up the number of referrals necessary to make a lot of money, but in time--this could be a great source of income--making money while other people are in a sense, working for you. And by the way--never join a work at home program that wants you to pay up front. If they were making that much money, they wouldn't need to charge you. Note: There are not many offers on this site for users outside of the USA (there quite a few offers for Canadian users though). But if you are in another country, you could still refer users from the USA to CashCrate and make money on those


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You could use www.theLadders.com and Monster.com is really exceptional as well, they help you build your whole portfoilo. Yeah, go to www.monster.com


4
Congrats! You could try www.ajb.dni.us (America's Job Bank), or www.americanemployers.com, or www.bestjobsusa.com, www.fortune.com/fortune/bestcompanies (100 Best Companies to Work For), www.jobbankusa.com, www.topjobsusa.com, www.topusajobs.com, www.headhunter.com, www.hotjobs.com, www.bestjobusa.com. Hope these help some. Good luck!


5
If you're looking in Florida and New York, I would try the following sites: http://www.newyorkhw.com/ http://www.floridahw.com/

Sen Obama wants the Government to take over more of the Economy: Is that a good idea

Sen Obama wants the Government to take over more of the Economy: Is that a good idea?
History of Economic disaster: Fannie Mae is a "Govt Sponsored entity"; they buy mortgages from Banks and other Companies and are backed by THE TAXPAYERS FOR ALL LOSSES, BUT THEY KEEP ALL PROFITS. 1998-2008: Banks forced to give bad loans, O down, no documentation for 120%, and ACORN is accountable, backed by Democrats. Executives at Fannie Mae receive huge bonuses if loan targets are met, so bad loans ar handed out like penny candy. Franklin Raines and Jamie Gorelick are appointed to run Fannie Mae. 2003 Mr. Bush proposes new oversights Committee to clean up Fannie Mae, but DEMOCRATS DERAIL IT. FRANKLIN RAINES GETS 100 MILLION DOLLARS IN BONUSES. JAMIE GORELICK GETS 75 MILLION DOLLARS IN BONUSES. 2001 Enron files for bankruptcy, congress investigates, executives Skilling and Lay go to jail for fraud. Congress responds with the Sorbanes-Oxley act "more regulations of corporations". 2004 An O.M.B. investigation finds massive fraudulant bookkeeping at Fannie Mae, under the care of GORELICK AND RAINES. CONGRESS RESPONSE: NOTHING -no hearings, no jailtime, no person punished, no bonuses paid back. > Fannie Mae give millions to democratic causes ACORN and RAINBOW. > Fannie Mae pays millions to 354 Congressmen and Senators from BOTH parties. WHO GOT THE MOST KICKBACKS? 1. Chris Dodd (D-CT) Chairman, Banking Houses & Urban Affairs. 2. Barack Obama (D-IL) Federal Financial Management Committee 3. Chuck Schuman (D-NY) Chairman, Finance Committee 4. Barney Frank (D-MA) Chairman, Hse Financial Services Committee 2005: Franklin Raines and top execs forced to resign from Fannie Mae. -no jail, no media reporting, keep all bonuses. RESPONSE FROM DEMOCRATS: SILENCE. RESPONSE FROM REPUBLICANS: Sen. John McCain makes this statement: "If Congress does not act, American taxpayers will continue to be exposed to the enormous risk that Fannie Mae and Freddie Mac pose to the housing market, the overall financial system and the economy as a whole". MCCAIN CALLS FOR: The Federal Housing Enterprise Regulatory Reform Act. THIS LEGISLATION WOULD HAVE PREVENTED WHAT WE SEE ON TV TODAY IN THIS ECONOMIC DISASTER THAT MCCAIN SAID WOULD SURELY HAPPEN. DEMOCRAT REPONSE: >None of the top 4 kickback receivers supported the legislation. >The legislation is quickly blocked and derailed immediately by democrats, never even making it out of the Committee. >Democrats are on Youtube video, yelling that nothing is wrong, there is no possibility of any economic crisis coming, and that the taxpayers were completely safe. Democrats insist that no oversight is necessary with regard to freddie mac and fannie mae. 2008 Fannie Mae and Freddie Mac go bankrupt and the Government takes them over completely. Lehman goes Bankrupts from investing in the bad mortgages. AIG gets $85 Billion in loan guarantees after insuring thousands of bad mortgages. FRANKLIN RAINES IS NOW THE ECONOMIC ADVISOR TO THE OBAMA CAMPAIGN, AND HE WANTS: The Government to take over more of the economy. WE ARE IN THIS BAD SPOT BECAUSE GOVERNMENT INTERFERED WITH THE HOUSING MARKET IN THE FIRST PLACE, BY: forcing banks to give mortgages to people who simply could not afford to pay them. Government interference forcing agencies to loan money to people who could not afford to pay it back. HOW WOULD EVEN MORE Government interference make this better? IF THE DEMOCRATS WOULD HAVE STAYED OUT OF THE BANKS AND LENDING INSTITUTIONS BUSINESS AND ALLOW THEM TO REQUIRE DOCUMENTATION, GOOD CREDIT, AND A MEANS TO PAY THE MORTGAGE, we would not be suffering this economic disaster we see today. Questions: 1/ Do you believe like Franklin Raines that Government interference in MORE CORPORATIONS AND BANKS would be good for this Country? 2/ Do you think that Franklin Raines being the executive who walked away with 100 billion dollars and a bankrupt Fannie Mae, is the right person to be Obama's Economic advisor and RUN THIS NATION? 3/ Do you know that it was Obama's baby, ACORN, who provided the strongarming that was done to force these banks into giving out mortgages to people who could not afford them? 4/ Do you know that when working on the economic bailout last week, that Obama and his Democrat partners tried to divert 20% of any money taxpayers would get back, over to ACORN instead? Thanks for your answers. Sources: www.govtrack.com 9/17/08 New York Times 9/13/03 Herald Tribune 4/18/08 Congressional Record 5/25/06
Elections - 1 Answers

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no the government is terrible at running things

Who is to blame for the subprime mortgage crisis

Who is to blame for the subprime mortgage crisis?
This is something I found online...I think it sounds pretty conservative-biased...let me know what you think: 1997 Fannie Mae is a GSE (Govt. Sponsored Entity) regulated by Congress. Fannie Mae buys mortgages from other companies. It is backed by the taxpayers for all losses, but keeps all profits. President Clinton loosens Home Loan Requirements. 1998 Banks begin making thousands of bad loans,0 down, no documentation, for 120%!(1998 –2008). Executives at Fannie receive huge bonuses if loan targets are met. Franklin Rainesand Jamie Garelickfrom the Clinton Administration are appointed to run Fannie Mae. 2003 President Bush proposes a new oversight committee to clean up Fannie Mae, but Democrats derail the effort. Rep.Melvyn Watt,(D-NC) Committee on Financial Institutions & Consumer Credit.stated, “I don’t see much other than weakening the bargaining power poorer families to get affordable housing.” 1999 -2004 Raines earns $100 millionin bonuses. Garelick earns $75 millionin bonuses. In 2004, Enroncollapses, congress investigates, Executives Skilling & Lay go to jail, for fraudulent bookkeeping. Congress responds with the Sorbanes-Oxley Act, more heavy regulation of corporations. 2004 An OMB investigation finds massive fraudulent bookkeeping at Fannie Mae. False numbers triggered executive bonuses every year. Congress holds nohearings, noone goes to jail, or is punished. WHY NOT? 1999 -2005 Fannie Mae gives millions to Democratic causes, examples:Jesse Jackson & ACORN. Fannie Mae pays millionsto 354 congressmen and senators, from both parties. Who got the most money? Top 4 Recipients #1Sen. Christopher Dodd, (D-CT)Chairman of the Banking, Housing, & Urban Affairs Committee#2Sen. Barack Obama, (D-IL) Federal Financial Management Committee Top 4 Recipients#3Sen. Chuck Schumer,(D-NY)Chairman of the Finance Committee #4Rep. Barney Frank,(D-MA) Chairman of the House Financial Services Committe 2005 Franklin Raines & top execs are forced to resign from Fannie Mae. They do not go to jail. There is no media “perp. walk.” They keeps all of their bonuses They finally pay $31.4 million in civil fines. 2005 The Federal Housing Enterprise Regulatory Reform Act is sponsored by:#325Sen. John McCain,(R-AZ)Armed Services, & Commerce, Science, & Transportation “If Congress does not act, American taxpayers will continue to be exposed to the enormous risk that Fannie Mae and Freddie Mac pose to the housing market, the overall financial system, and the economy as a whole.” 2005 Noneof the top 4 recipients support the legislation. The reform act is blocked by Democrats, never even making it out of committee. Noneof the politicians return any of the money, tainted by fraud. 2008 Fannie Mae & Freddie Mac go bankrupt and the govt. takes them over completely. Lehman Brothers, goes bankrupt from investing in bad mortgages. AIG get $85 million in loan guarantees, after insuring bad loans & projects. Taxpayers will ultimately pay BILLIONS. 2008 Franklin Raines is now an advisor to the Obama Campaignwhich wants the govt. to take over more of the economy. Did government involvement in the mortgage market work out? How will even MOREgovernment involvement make it better? Do you want to be Sweden? McCain favors revising regulations & loan standards, selling off Fannie & Freddie.
Current Events - 4 Answers

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That's all quite accurate, but they leave out one very important point. Throughout the past 5-6 years, the Democrats have been insisting that Fannie-Freddie policies were sound, and the whole structure was in great financial shape. This was clearly not true, so they were either very stupid or "on the take." However, the past few years Republicans have been warning the public again and again that this was a house of cards, ready to collapse. In May 2006 McCain, and almost every other Republican Senator signed a public letter warning that Fannie-Freddie were in real trouble and needed to be fixed. There is a link below that shows the letter, with signatures. Not one Democrat Senator signed the letter .... not one. Obama was the biggest beneficiary of Fannie-Freddie "donations" over the years, after (Democrat Sen.) Chris Dodd. Gosh, I wonder why they wouldn't sign the letter? It's quite clear whose fault this was, if one is simply willing to read the record.


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The illuminati elite power control that directed all of these things that you mentioned. It is all part of the transfer of power through economics to the world elite. It was done to do just what it is doing. Crash markets, currencies and democracies throughout the world. Driving it to a point of the New World Order. It is here. WAKE UP and be ready. The battle for your soul is in full measure. Read my other responses to many of these same questions. Educate yourself with the REAL facts as opposed to what you hear through the censored media. Keep asking great questions like this and take all information received. Consider it and if plausible, investigate it. Know that not only is what I am saying is not only plausible....it is happening!! It is not only important to understand what they have done like you have researched, but also understand why and the agenda. May God Bless us and have mercy upon this earth.


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1981 - Congress votes to supercede all state managed anti usury laws and replaces them with nothing at all. This allows lending institutions to not just offer any interest rate, no matter how high, but it also allows them to take on any level of risk. Without this act, there would not have been a sub prime loan industry. I think it was the same time or perhaps the next year that Congress also voted to remove many of the same regulations on the banking industry that would have prevented the sub prime disaster. These regulations were put into place during the depression as safeguards to prevent it from ever happening again. Unfortunately, here we are almost years later experiencing the very collapse that those regulations would have prevented. Also, nowhere in there is any reference to Moody and Savings and Poor. Their role is perhaps the most fraudulent of all. They are the companies that rate companies and securities according to their level of risk. So that a company or security with a AA rating is more risky than a company or security with a AAA rating. But in the case of the Mortgage Backed Securities - which were essentially packages of multiple mortgages inside - there were some mortgages considered prime, and some considered sub prime. But these two ratings companies always rated them all as AAA, the same risk as U.S. Government issued T bonds. Imagine that, Moodys was stamping sub prime loans as good as Federal Bonds. This allowed them to be marketed as ultra safe to other companies. It was this rating that allowed Lehman Brothers, and others to borrow up to $30 for every dollar of their actual value. After all, they were considered as good as gold. So when sub prime loans started defaulting, the value of these MBSs started declining and the rating was exposed for the fraud that it always was. Thus, for every dollar these MBSs declined in value, Lehman Bro.s would have to pay up $30 in margin calls. Others were leveraged similarly which meant that hundreds of billions of dollars had to be pulled out of the stock market to cover these margin calls. That is partially why the stock market has collapsed by almost half its value. The rest of it was just investors trying to salvage their portfolios by pulling out of the markets - further feeding the collapse. And yes, that list seems to be right out of the annals of the Republican Talking Points. Notice it carefully avoids saying anything negative about free markets or anything negative about Republicans? It seems to place the entire blame on Democrats and Democrats alone. Notice it does not want to go before 1997? They don't want to go too far into the Reagan Administrations involvement. They were the one's who pushed for anti usury laws and to deregulate the banking industry. But we're not supposed to think that. Too long ago, too good a reputation to sully with such facts. It must not have happened. But it does seem a bit silly to blame the Big Government Democrats for deregulation.


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Perhaps, Bush government forced Chinese Dollars (RMB) to raise its value triggering the time bomb of the both Mac.

Which graduate school would you decided on

Which graduate school would you decided on?
I am getting my BBA in Finance and Investments from Baruch College. I am debating on continuing at Baruch or going to Brooklyn College. I am interested in either the MBA Finance program at Baruch or the MA Economics program at Brooklyn. I want to become a Portfolio Analyst. So I think Economics is a smart graduate route. But I don't know if Brooklyn College has the same reputation that Baruch has. And plus its always good to have a backup just in case. Give a response if you are familiar with CUNY and the two schools I have mentioned. I cannot have any generalized answers and they do not really contribute to helping me reach a decision.
Higher Education (University +) - 2 Answers

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Either - education is just part of it; you have to sell yourself in the real world. MBA is preferred however, I know plenty of folks that were "given" their MBA degrees and haven't a clue on what Business Administration really is..


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Baruch is a much better school for you, accor

Is a CFA worthwhile for me

Is a CFA worthwhile for me?
Hi, I have my MA in economics, specializing in financial economics, and my BA in economics & finance and I am wondering whether or not I should get my CFA and if it would be of any use to me. Thanks for any help.
Higher Education (University +) - 3 Answers

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I would think it would.


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no


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It really depends what you want to do.. If you want to work in I-bank, wealth management, equity research etc. having designation can give you edge. It's a great learning tool too. It really depends what you want to do in future ? You should check cfainstitute.org or analystforums.com to get specific answers to your question. These and many other questions of this nature are discussed at great length at analystforums.com, use search function :)

Question about College Loans and Debt

Question about College Loans and Debt?
I plan to attend a 4-year program and finance all of my tuition, housing, books etc through federal student loans without paying it until 6 years from now (I plan to pursue an MA in History) Does anyone know if this is possible? Is it possible to default a student loan for that long?
Financial Aid - 2 Answers

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i dont know about 6, but i know they do it after 4. borrow from your parents, if they really love you, they would give you the money. why do you want to graduate school and then have some burden on your shoulder. college is for losers....although im a 3rd year ahaha!


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If you are just starting out in college, then yes, you can wait 6 years. That is the usual amount of time to complete a bachelor's degree and then pursue a masters. And it's not defaulting, it's deferring... and if for some reason you have to take a break you have 6 months before you have to start paying them back. So, don't sweat, you can get through school with all the money you need and you don't have to worry about paying anything back until after you have graduated and hopefully entered the job field.

House? my husband is still one his ex-wifes morgage. she wants to sign the house over to us. how do we do th

House? my husband is still one his ex-wifes morgage. she wants to sign the house over to us. how do we do th?
do we have to re-finance, or can she just sign it over. we live in ma if that helps
Renting & Real Estate - 3 Answers

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re-finance. She can't give or sell to you without the current lien holder signing off. Good luck to you.


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You will have to refinance. She can remove her name from the deed, but not the loan. The only way she can come off the loan is by your husband refinancing in his name only or in both of your names.


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Is she on the mortgage too? If so, she'll probably want to be released from the mortgage obligation so you'll have to refinance. Otherwise, if she's not on the mortgage or isn't pressed to be removed from the mortgage, a Quitclaim Deed is all she needs to sign to release herself from the deed.

Me and my husband :) just wanted to share and celebrate

Me and my husband :) just wanted to share and celebrate :)!!!!?
He is my absolute soul mate. Looks like I finally got it right this time!!! He is a pious,religious,spiritual,God fearing man and hopefully we will make eachother better for the sake of allah :) He is an Egyptian Muslim that works in finances ,he has a MA in accounting and a BA in Business. He also has been in America for 8 years,he is sensitive,spiritual, romantic,caring/heart of gold and loves my idealistic side. He is supportive of all my dreams and thinks I am the most beautiful thing that ever walked the earth!! He has no family just like me but tons of friends he calls family just like me. We think alike in sooooo many things and connect on so many levals.He is ultra polite and ultra caring. He respects my spirituality, he loves me as I am and knows of all my trials and tribulations. He is currently hoping to open a CPA business of his own while helping me with my Medical home care business (which he LOVES ,and loves that part of me even more.), and we plan on having kids right away !! We had our engagement AND our Islamic wedding. He treats me like Gold and I think he is made of Gold. :) I thought things like Serendipity ,fate,destiny and true love existed only in fairy tails until I met him. We really were made for each other!!!! We plan on moving next month !!! The actual wedding will be before Ramadan inshallah. :) We do not know where we will live yet,but most probably we will start off in Michigan :) Besides I want to go back to wearing my hijab full time instead of part time,I wore it from 12-26 then a "right to work state" (in otherwords THIER right to let you work lol) forced me to take it off for a while, so Michigan will be more supportive of my hijab untill I am capable of going back to not caring what people think lol. @spiderman -I am ALREADY married alhumduallah and I have earned my right to celebrate !! We had our akad nikah so we are married !! Besides anyone who knows me (I wear my heart on my sleeve and my life is an open book) so people know with all my hardships I deserve this one and if anyone dares to envey me then they will have to go through my problems to earn it lol. @Spiderman I do not care what people think I am simply celebrating !!:) and yes we will both always even after 50 years remember what we felt and said about eachother :) Plus what I mean by envey is hasad !! I just cannot sleep and wanted to share. @Quamar No brothers ,no family I am the same :) and no yemeni blood lol sorry.
Ramadan - 18 Answers

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Mabruk sister. Inshallah it will be sucessfull.


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the reward is not silver or gold, the reward is knowledge of Allah inshAllah now you use it wisely amin! This is all from Allah so say Al hamdoullah will ya! Ouzibillahi Mina shytan Al Rajeem Bismillahi Al Rahman Al Raheem Ok al hamdoullah and mabrooka, please keep the details down, I get so disappointed when I see you all posting your lives on here. Salam Amin sister tell Allah and easy on the details will ya! AstugfarAllah Azeem the shytan is in here! Khair inshAllah edit: OK! Khair inshAllah I am excited for you also its wonderful journey and one that should last forever. Remeber what you said about him here, and inshAllah it stays that way. Peace always and surely what we say doesn't matter and so this envy stuff doesn't matter either, go for the goodness and forget the evil and the past. Who cares what others think! HOnestly who gives a rats tail!


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congadulations!!!


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Alhamdulillah! It is always nice to see a Sister happy.


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awwwwwww yayyyyyyyyy i'm so happy for you that is so sweet <3 <3 <3


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Congrats, may god be with you.


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ay felicidades! mabarok on the marriage mashAllah. may Allah bless you both w/ a successful & happy marriage, Amin. :-)


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Congtatulayions habiba! Im so happy 4 u wallah Inshaalah khair!!!!!!!!!! EDIT:By the way does he have a brother? preferabley18-26 & yemeni thx salam EDIT: AWW shux better luck nex time LOOOl seriously tho i will make dua 4 u and him tonight Inshaalah u two live a blessful life together and earn Allahs pleasure and go to Jenna Its great to see fellow muslims happy its so rare bes ALHAMDULILAH!


9
Mabrook! Congratulations! The best thing that you said was that he is religious and he is a Muslim. At a time when so many Muslim girls are marrying non-Muslims, I am always happy to see two Muslims finding each other and pleasing God at the same time. My Allah ta'allah bless the two of you.


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Congrats Sister!! its so cute, i hope you get whatever you want. Inshallah


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Assalaamu Alaikum. May there be continuous and increased Barakat of mutual love, compatibility, understanding, perfect health with pure energy, immense happiness, peaceful atmosphere, essential prosperity for world life, parenthood with the upbringing of pious children, protection of Iman, and Allah Subhanahu wa Ta'ala's protection at all times. Ameen. Insha'Allah. Wassalaamu Alaykum wa Rahmatullah. Following Dua to be recited three times in the morning and the evening: "Bismillahi ala Deeni wa Nafsi wa Waladi wa Ahli wa Maali." "May the blessings of the name of Allah Subhanahu wa Ta'ala be on my Deen, life, children, family and wealth." The Qur'ãn: (30:21): "Bismillahir Rahmaanir Raheem." "And among His signs, is that He created for you mates from among you that you may dwell in tranquillity with them. And, He has put love and mercy between your hearts. Verily in that are signs for those who ponder."


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Congratulations sister, i am so happy for you and i pray to Allah that he will bless you two with a happy life.


13
Congratulations! May God bless your marriage and make the rest of your years with him the happiest, and so much more than all those previous. I'm happy to hear everything has worked out so well. It sounds like you two were made for each other.


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Congratulation!!!!! May Allah bless you both with a long and happy life together..... Ma Salama


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salam. im so happy reading what u wrote, alhamduli LLAH that he is a good muslim and a good husband to you and that he treat very well, ma sha'aa LLAH. i ask Allah(swt) to always give u happiness in ur life with him and to facilate for you wearing hijab and to give u a good place to live in. amin. always thank Allah(swt) for everything :) assalamo alaykom sis.


16
Congratulations Sister, May Allah keep you and your husband happy as one Always. and may He guide you, and make you better Muslims.


17
aaah so sweeet! well im happy for you sister...may you be blessed with plenty more happiness to come -inshala (ameen)..congrats aswel!


18
Congratulations , I am really happy for you May Allah give you all the best

So many educated women in this section - I'd like to ask for some advice

So many educated women in this section - I'd like to ask for some advice?
I see many of you have a good education. I'd like to know how you financed it, especially the MA, what obstacles you had and how you overcame them.... and anything else you'd like to share. Also do you live in the US, or somewhere else? Men are also welcomed to answer, of course. There's no wrong answer to my q's, generally Rebel, don't worry. Yeah, I wish I was just out of HS Ms. Rousseau... You're the one who got me thinking, Flying... and I was thinking about it really hard for the last 6 months anyway... Maybe it's time to stop thinking and start doing... I also see a pattern... both CPAs are getting help from the company... that's good if you like numbers... but I like people more... damn! Tera, wow, I didn't know you're such a smarty pants... from reading your other posts, I know life hasn't exactly be kind to you, so let me just say that I admire you, lady! Shark, yeah I thought about it... going in as an officer since I got a BA, but with this war right now, I'm kinda nervous. They did want me, and they would've paid all my old loans, 17k, plus you know, they got those bonuses... they wanted me for languages... you know, go to Monterrey and all that... it's just that you have to sign up for more than a few years... I guess that school is pricey. I didn't throw that option out just yet though. Steven, that's kind of what I'm interested in... pole dancing...LOL NO! You silly, academia.... I taught before, even though they shouldn't have hired me without an MA, but I had other valuable experiences... You're working on a PHD I thought... right?... Great job Kessie...for real I'm sure it's not easy when you have kids...
Gender Studies - 23 Answers

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MBA here...made my company pay for it. Always take advantage of a company's fringe benefit policy.


2
I have a 120k student loan for both my MAs. It's a monthly problem that I have yet to overcome every time I write that check LOL. At least I'm using my education and making money though. It's just an investment nobody can take away and does not depreciate, so the cost is really minor at the end. I wish I was talented enough to get a scholarship, but I wasn't :) I tried to use my good looks but the admission's office declined LOL


3
I am currently near the end of my undergraduate years...and I was lucky in that, so far, I've been able to get by completely on scholarships. When I go to get my MFA, I will probably use the money that my parents set aside for me to use to get my undergrad, which I fortunately never needed. For the rest, I guess I will just get student loans. There are lots of good options out there for getting loans. I doubt I have been of much help to you, but that's how I did it.


4
I am currently getting my Masters in Taxation. I work for a CPA firm and they reimburse me for my classes as long as I maintain a 3.0 GPA.


5
Bachelor's Degree (Nursing and Social Work). It took twice as long because I had a small child, but worth every minute. I went to college in Florida. I took advantage of grants and scholarships. You will be surprised how much financial help is available. if you're still in high school, ask a guidance counselor about financial aid...mine paid for books, tuition and a small living allowance.


6
Sold my soul to Navy ROTC for my Bachelors. Got my Masters with student loans, and paid them all off.


7
I am finishing my MA; in two days I have to send it!! Yeahh!! I am sooooo tired! It has been a mega project as I have been working to pay my studies. I am hoping to have a good note in this thesis (in the USA) and dissertation (in Europe), as I would like to get a scholarship for Phd...my reason? I just love to research and write..not now that I am almost having a heart attack as the dead line comes closer and closer (lol). No I don't live in the USA, but in Europe. Planning to come with a party question once this is out of my hands! :-) Edit to Fairy: My moto (sp? English?) Just DO it. action is what counts. Many times we think too much, but we just need that little first step, and the rest comes with it. Go for it l! ;-)


8
I was lucky enough to have parents who felt so strongly about me being college educated that they paid for most of it. I took out a few small student loans and gave them what I could from working while I was in college.


9
I have a masters in environmental chemistry and I financed it by it applying for (and receiving) an assistant-ship, it came with a tuition wavier and a stipend of $1000 a month (it wasn't much but enough to pay for my apartment and necessary items). My bachelors degree was more expensive (I went to a private college $22,000 a year) I received subsidized student loans, Pell grants and an academic scholarship to pay for tuition and I worked full time to pay for rent and expenses.


10
I'm at the end of finishing a two year transferable degree at a local community college. (I plan to transfer to a four year college for my bachelor's degree after I graduate). So far, between the pell grant, state need grants, and other grants I've received, I haven't had to pay one dime out of pocket for any of my educational expenses. In fact, I've had money left over to help with living expenses. And because of my grades, (I have a 3.99 gpa), I qualify for scholarships that will help me pay my tuition when I transfer to a four year college. Check with the financial aid department at the school you'd like to attend to find out what you may be eligible for. You'd be surprised how much help is out there! And I agree with Flyinghorse: go for it!!! You'll be amazed how many doors will open for you once you make the decision to open the very first door and go through it. Good luck!


11
All of my grad schools- Scholarships and I wrote checks for the books. Live in the US.


12
My degree is in business management from an affiliate of Penn State in the mountains of Pennsylvania (U.S.). I took out some student loans, grants, scholarships and worked 35 hours per week. I went to school full time and I was a supervisor/trainer in a telemarketing room for the newspaper after school . It was a challenge. Well worth every penny though. Take care.


13
I was a pole dancer. No, actually it was far worse. I had to teach. If you're at a major university you should ask if they let grad students teach courses or recitation sections. It's a lot of work, but it's also really good experience if you're interested in an academic job. They usually waive your tuition and give you some cash on top.


14
4 year college education, Daddy paid for it


15
So far, decently priced California state tuition, a generous dad and as of one week from now I will (FINALLY!) qualify for financial aid as separate from my parents combined income and have maintained a 3.9 GPA (woulda been a 4.0 if it werent for that damn astronomy GE class last semester) and have recieved academic honors like president's list etc, so I'm kinda hoping for scholarships when I get to the MLIS.


16
My parents started up RESPs for me and my brother practically before we were born. We have more than enough money for our education. (Actually, he'll probably need more, since he wants to be a professor.)


17
I'm in the process of getting by bachelor's. I have a job, but most of my money comes from student loans. Sallie Mae owns my soul, basically.


18
i'm going to college now and one thing that helps is a fincial aide counelor. also do research for grants and scholarships.also there are usually grants for children of low income families like the PELL grant and many of the states have such grants. and i'm form the U.S. there are also grants and scholarships for specific majors like engineering or education. some sites that help you find them a good one is fastweb.com


19
I'm a year and a half away from getting my undergrad after switching majors a few years ago. I get student loans from the state, and when that hasn't completely covered costs I have taken out an alternative loan through my bank, which is super high on interest unfortunately! Otherwise I work for rent, food and everything else. I'm a little afraid of all the debt I'm accumulating, especially since I'm hoping to go for grad school, but from the words of my mother "You can't put a price on your education!"


20
I have a BS in Elementary and Early Childhood Education. I am extremely lucky to have a wealthy grandmother who values education. She paid for all five of her grandchildren to attend college. I am enormously grateful for this and plan on continuing my education (paying for it myself) to benefit my future and as well as my students.


21
I financed my education by having 3 jobs and working all the hours I could and I was at uni in The UK in the 70's.


22
I got my BSW with the assistance of the Dept. of Rehab., however because of that, I couldn't work while going to school, so had to apply for student loans each semester for rent, food, transportation, bills, etc. I lived alone while raising my two sons while getting my degree (also Magna Cum Laude).


23
All in the US: First degree: Bachelors: Got an academic scholarship the first year at a private college, paid for everything my freshman year. Transferred to a public university once it wasn't renewed and did work-study, student loans, mom and dad's help, and worked full-time summers. Lived in horrible housing, it was cheaper than dorms. Paid back all my student loans. Second degree: Associates: Worked full-time and went to school early morning classes and nights. Paid for college/books from my wages and student loan. Lived in the worst part of town, since rent was cheap. Paid back my student loan. Third degree: Masters: I was working almost full-time, going to school a class at a time; now working full-time and taking two classes at a time. I've paid for all my classes/books with savings and wages, so far no student loans. I'm done with over half of it, this week! I may go for my Ph.D, too, but I'll probably get student loans for it if I do it. No matter what-get as much education as you can. It's worth it.

Where to find the scholarships

Where to find the scholarships?
I am student, I am studying on finances, and after a year I will be BA and I want to gain 100% scolarship for MA in Europe or in the U.S. How can I do this or where to look for this scholarships, could you please give me the links of web sites or any other relevant information?
Studying Abroad - 1 Answers

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1
go to :www.fastweb.com www.scholarship.com search your target university.

What non-Architectural major goes with M.Architecture

What non-Architectural major goes with M.Architecture?
I'm thinking of 1.Getting a B.S. in architectural engineering, then MA in Architecture. 2. What would be easier graphic design the MA in Architecture. 3. Maybe something related to business such as: accounting, finance, and business administration. I mean what would help me in my career. And should it be a scientific major or art works fine? (I'm open to better suggestions)
Higher Education (University +) - 1 Answers

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1
I'm a little confused. You just said that you wanted to get a B.S. in architectural engineering. Why, then, are you looking for another major? Your major would be architectural engineering! And since most engineering majors allow almost no room for electives, it is almost impossible to do a double major along with such a major. While all of the subjects you mention might be helpful for an architect to know, it doesn't sound like you would have time for any of them (and science wouldn't make any sense at all for you - you would be better off with art or business, of some sort, if you had any time to do another major).

how to get my finances in order really quick

how to get my finances in order really quick?
ok i have a credit card which i have maxed out, my own fault i wasnt really thinking at the time, however my car is on finance aswell and im finding it hard paying all this money back to my credit card but i know i have to get out of this state before i can start college anything will help me right now, ma wage is only 900 a month not good when half of it is going out the way
Small Business - 2 Answers

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1
Quick is not a possibility. Damaging your credit took years of neglect. It will take years to repair those problems. The first thing is to stop spending. Buy what you NEED, not what you WANT. Nobody NEEDS cable TV, a cell phone, or Internet service. Cancelling those three will save you as much as $200 per month. Stop eating out. Make meals at home or buy frozen entrees to bring to work/school. Each meal brought from home saves another $100 per month. So off the bat I have saved you as much as $300 per month.


2
I can tell you that I have been in serious debt in the past and I had no choice but to take a second and third job. I worked a regular job during the day, delivered newspapers in the morning and delivered pizzas at night. It sucked but was the price I had to pay. Maybe there are some things you can do without. Internet and cell phones may be needed depending on the types of work you do but likely cable TV can go. Look for other eats to save and just keep plugging away at it. I recovered and so will you.

Which degree would be better to pursue

Which degree would be better to pursue?
An MA in Globalization Studies, Dartmouth College OR An MA in Modern European Studies, Columbia University With both degrees I would take courses in Economics, Finance and Public Policy. Both schools have offered generous financial aid and I am wondering which degree would be better in this economy and would help open more doors. Thanks.
Higher Education (University +) - 1 Answers

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1
I suppose it depends on what you plan to do with the degree. If you're unsure, Globalization Studies seems more versatile (and potentially more marketable). To be honest they're both great schools and unless an employer is looking for specifically one degree or the other (I highly doubt that an employer would do that unless the position you were applying for was highly specialized), I imagine either one is good to have. If you have a specific career goal in mind, you may want to speak with an academic advisor or a professional in that field to determine which one is more appropriate. I think I would probably go for the school with the better financial aid package. I don't know how big of a concern money is for you, though. Good luck!

i need pennfoster answers

i need pennfoster answers plzzzzzzzzz?
hey my semester ends in 15 days n i hav family issues as a result of which i can study. can anybody plzzzzzzzzz help me to find answers for pennfoster questions? i am doin associate degree n dis is ma last xam. mathematics 4 business and finance xam no.060413. plzzzzzzzzzz help me. god will bless yu.
Other - Business & Finance - 1 Answers

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1
Please do not solicit answers on Y!A, as this is considered cheating. If you need help, please contact the school. Penn Foster

A question for mothers with three or more kids

A question for mothers with three or more kids?
I am a young mother of two, and my finance and i are thinking about having another child. I was wondering what differences and the biggest changes your third child brought you. we are not poor but we aren't rich either, ma make about 34,000 a year between us as i stay at home. i plan on going to college this year and when the boys are in school pursuing my career. The only thing i am really concerned about is money. Tips? Experience? i am doing my school through my local college online, wont be a problem. im on a three year term to make the course load lighter. im not looking for school advice
Parenting - 11 Answers

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1
We have three with two on the way and my husband makes only a bit more then yours. I would say however, if you are going to be pursuing a career at the same then I wouldn't suggest it. The reason I say this is pregnancy is EXHAUSTING enough, and you put two kids on top of that and your walking dead. Then when baby comes, you'll surely have your hands full. Personally, financially you'd be fine so long as the cost of living isn't outrageous. I look at it this way- children aren't as expensive as people make them out to be... it's LIFESTYLES that are expensive.


2
dont have another kid until you get you schooling done.


3
I am a mother of three grown children. The third child brought on more expense, but more than that joy! If you are wanting to go to school, i would not be thinking of having another child at this time. I was a stay at home mom because I cried at the word daycare :( I babysat and took in ironing for a little extra cash. We didn't make a lot of money at that time. You can make it on the money your husband brings in. God will provide your needs. I wish you luck whatever you decide. 3 children are no harder than 2. It gave my girl another little girl to play with. Good luck and God bless.


4
Money wise it wasn't too difficult until they hit the school years. One more addition didn't make much difference as far as the grocery bill and other things. Hand me downs (clothes and toys) came in handy, the third child was much easier to take care of due to more experience and the other siblings helping out and entertaining. The money crunch began during the school years....because this is when the child technically becomes "one". Their own school clothes, own books, own supplies...but buying in BULK helped that a lot too. Actually buying in bulk cost about the same as having 2 children. Day care will obviously cost more..I was a stay at home mom until my youngest entered school. My youngest was and is the biggest joy of my motherhood. If your going to have another child do it now.....it's a lot easier when your younger...look at it as these are the mothering years. You won't regret it. I returned to school for my nursing degree when my youngest went to school. Since you are already taking online classes your one step ahead of the game. Good Luck Dear!


5
If you are not so good financially now you definitely won't be, but if you are like me then 1 more really won't make to much of a difference. I had 3 who were in school and had a forth after 5 yrs, so it really doesn't matter! Go for it and GL!


6
My husband and i were doing great when we had only the 2 kids. Then we decide on a 3 because he wanted a son. Now the problem is we did not anticipate how expensive it would be now to raise another child, and the time and energy that goes into raising three children. Now it is so hard. My husband work in a hospital making 79 thousand per year i am in nursing school full time and work part time from home making 27 thousand and it is hard. Kids are alot of work i love my kids to pieces but with everything going sky high a gallon of milk is now $4 and a pack of diaper is $20. Our family income is more than yours and we are finding it difficult with three kids to keep up our life style and give the kids what they need. Good luck to you


7
I'm the mother of three older children and our family income is the same as yours. If you are good at budgeting, using coupons, shopping at thrift stores and yard sales, you will have everything you need and do well. My third child had colic, so I really had a rough first couple of months. Then there was a time I had three children at three different schools and I did alot of running. You will do fine. Also, if you live near a library, there are lots of free childrens programs to take your children to.


8
Having another child will just not change things very much. As long as the finances are there - go for it.


9
We have 5. The biggest change was between 3 and 4 Then the 5th was no biggy. Most people say it's the 3rd thats a bigger adjustment. As far as money, we are only making it with God as the head of our home. He provides us all the money we need.


10
We have three children as well and live quite comfortable on 36,000 a year. The biggest things that help us out are budgeting and just plain being thrifty. (I love the Tightwad Gazette by Amy Dacycyzn) The biggest thing I experienced going from two to three children was exhaustion, especially since the youngest are only 2 years apart. Other than that I wouldn't trade it for the world, except maybe to have another. lol.


11
Well, I had my daughter and was on my own at nineteen. I vowed I would not be one of those young girls that continues to have babies w/o care of having a stable family. When my daughter was five I met a great guy and we were married a year later. We had a son right away, and we wanted more, but I wanted to enjoy the new baby. My daughter was in school full time and I worked part time (my hubby only made $10/hr full time and then did part time pizza delivery. We lived in a two bedroom. Anyway we went to our best friend's wedding and had a REALLY good time. We had our second son nine months later. We have struggled, but it was a little easier with great family and friends, not to mention my second son gets all my first sons clothes (it saves a lot). It also helps that my daughter was born in Sept, my 2nd Feb., and 3rd July, which means plenty of time to save for parties and presents. Honestly it couldn't have worked out better. It's been a tough road, but worth it. I know it is important to have money to provide the basics, but you don't need to spoil them. I think it teaches them there is much more important things. My daughter is in 6th grade and my sons are still at home with me. Although we couldn't afford preschool for either of them, they are very smart and I know they will do well when they go to regular school (my son will start this year). For their social skills, I worked at a health club with free daycare for 4 hrs 2 days a week, and also had church and church outings. All my kids are a blessing and they do well in all aspects. God has blessed us more than we could've asked. Good luck in your desicion making, really sit down and talk long and hard with your hubby. I hope I helped a little.

Where do I get support and financial help from in order to complete a successful sexual reassignment surgery

Where do I get support and financial help from in order to complete a successful sexual reassignment surgery??
I am an Indian.I am certified as a secondary transsexual by my psychiatrist.In order to go ahead,I need to get a certificate from my doctor.This certificate will come only when the doctor knows I am stable,psychologically,mentally,emotionally.It took me 2 years to prove to him that I am stable emotionally and psychologically by doing a number of things.these include by gettin my self respect back,not acting defensive when it came to my sexuality,getting a good job,taking tuitions,getting back to education,and doing various number of things.He is only waiting for the finance to come in.I am a 20 year old student and working hard just to satisfy my daily needs and repay ing my loan that i had taken from my dad. I was wondering if there could be organisations or people across the world who would like to help me.I come from an upper middle class family who is sophisticated as well as decent.I am a very clear person and I have very clear and strong reasons to support my surgery.I am studying to be a graduate.It will take me long to become a full-fledged earning individual.I dont think it very wise to wait till then for that is a long 5 years till I become financially stable.I love myself and i will go to any limit to live the way i want.I am a very positive person and basically I have a pure soul,and so I am sure few pure souls all round this world who are reading my msg will go out of their way to help me. I do not want to show how much I am suffering or show how miserable I am,because that will attract sympathy,which is a negative emotion.I believe everything in this world has a solution and all you pure and beautiful souls reading my message will soon give me some way.I am not a Christian,but a hard core believer of Mother Mary,because she was a woman,and she alone knows my pain.I would like to end in her name.BLESS ME AND THE ONE WHO READS AND REPLIES,O MOTHER OF MOTHERS,MA MARY.
Lesbian, Gay, Bisexual, and Transgendered - 5 Answers

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1
I think you're just going to have to wait. Gender is not really important. Worry about getting through school so you are fit to complete in this society and try to stop thinking about having a vagina until you're more financially secure. I'm a poor college student too and I would be a wreck in school if all I could think about was having a new body. I don't understand what you're going through, sorry. To me the only rational solution is to wait until you have the money.


2
This is a very good question... if I were you, I would google the local GLBT in your area. I realize that this is pretty general and not really specific to your needs, but that is the fabulous thing about GLBT! You can find a lot of subjects dealing with gay, lesbian and transgendered issues. I am glad to hear that you are doing what makes you happy and are not letting anyone deter you from what you want. Kudos to you on that. Also, there is another organization called GLAAD. Oh and if your parents would like to either support you or learn more about what you are going through, they can look up an organization called PFLAG. I wish you only the best in your conquest to become a happier person. Good luck!


3
Welcome to the club. To my knowledge there is no such organization out there. My guess is you will do exactly what the rest of us do. Work, get a second job and work some more. Save $10.00 a week for 3 years or get a loan. Always the chance you may win the lottery too.


4
I'm going through college so I can land a good job and pay for my transition that way. Well, I'm going to college to start a career, which will be my income and part of my spending is my transition needs.... Coming from an upper middle class family, there's not a lot of organizations that will help you financially, trans or not. Some banks will give loans for medical needs. You don't even have to tell them specifically what it's for.


5
Unfortunately I know nothing about your country, and can only suggest that you search for GLBT organisations in your area who may be able to give you advice. It would be nice if one existed, but I very much doubt you will find any organisation which financially helps transitioning transsexual people. As far as I know there is no such thing, as all of the organisations for trans people that I have encountered are non-profit and have no money to offer. What you will almost certainly need to do if you don't want to wait until you have saved up the money yourself is take out a loan. Bear in mind that genital surgery is not necessary for social transition. If you are on hormones, once they have taken some effect you can live comfortably as a woman, as no one will know what your genitals look like. I am also transsexual, though female-to-male, and I have been living happily as a man for years without having had genital surgery. I know that for many people it is important to them to make them feel complete, but if surgery would put you into financial difficulty, I think it would be worth trying to come to terms with where you are until you are financially secure. I wish you the very best of luck!

How does this sound for a resume/cv

How does this sound for a resume/cv?
AB Economics, Harvard University, c.u.m laude MA Modern European Studies, Columbia University Thesis on Modern Political Economy of the EU _______________________________________ Does this sound like a good CV so far? Would it help me find a decent career in finance, consulting or government? Is going from Harvard to Columbia seen as a step down?
Higher Education (University +) - 2 Answers

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1
sounds like an amazing cv. no, not a step down. columbia is an excellent school. but for consulting and finance, you can pursue those right after harvard, no extra education needed


2
Never mind what it sounds like.........do what you love to do. Obviously it sounds good if you have a Harvard and Columbia degree. Personally, I would not get a Masters degree from the same school I got my bachelors from. Plus, are you going to work while getting your Masters? If that's the case you need to be near the workplace and school while attending. So in other words your resume sounds good for you but what have you done to improve the world through work experience? Unless you've got a full ride to get your Ivy League Masters Degree, I'd get a job with a company who'll pay your way while getting your Masters. A friend of mind worked for General Motors in Detroit and they paid his way to get his Masters and PhD at Stanford University. He earned those degrees and work for GM for another 7 seven years and left when they started to cut back on his department. Not to mention he moonlighted as a Professor at U of M. This way the company pays but more importantly you're gaining valuable work experience that could be used against the other person who may just have a degree and no work experience for the job you want.

Can I sue my ex husband for punitive damages for my children in MA Probate Court

Can I sue my ex husband for punitive damages for my children in MA Probate Court?
For the past 8 years, I have had to pursue 1/2 of my children's co-pays through the courts since my ex-husband would not respond to bills I would send him. He was court ordered years ago to be responsible for 1/2 of all uninsured medical for the children. Finally, I was able to have a contempt that was continued generally put in place a few months ago that forced him to pay the doctors directly instead of having me front the money and then chase him for it. At the time we were in court for the contempt, I submitted information about orthodontic procedures for the children that needed to be paid for immediately or financing that he would have to work out and he was supposed to pay immediately. He made false promises to the orthodontist after this that he would make the payments, so they started treatment on my children. They went to the first appointment and the second one was canceled because of dad's nonpayment. I filed a remark for contempt and contacted his lawyer to let him know. He paid a few days later and my children were able to start treatment again. I am wondering if I can sue for punitive damages? This is serious and neglectful behavior and I am sick of dealing with it. Fortunately, this medical procedure is not for illness, but for a correction of genetic deficiencies of bone structure. Also, I am representing myself and was told by the clerk's office hat I need to continue with my remark for contempt to preserve the standards set that he pays the doctors directly even though he paid the doctor almost a month late. Now his attorney is suing me for legal fees because he did not comply with the contempt order. He states that I am refusing to cancel the contempt even though he made payment. I am not sure how to respond to that piece of this and how the heck do I get sued for his legal fees when this was outright neglectful behavior??
Marriage & Divorce - 2 Answers

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1
yes you can


2
He is suing you out of anger and spite, but I don't think he can win. You have all your paperwork and proof that he didn't pay on time. I think it's more of a "scare tactic" than anything! You can countersue him, if you want to!

BS human development, need MA/grad/law school help

BS human development, need MA/grad/law school help!?
I have just finished my BS in Human Development and an internship as a policy intern at a non-profit mental health organization (NAMI). My high school experience was very mismanaged by poor counseling and school psych staff. I love school and graduated with a 3.4 GPA. Not great but had a rough first year. I have taken practice LSAT tests for fun and although I never recorded my exact score, I know I did fairly well. Many people have told me I should be a lawyer as I am very passionate about advocating for people who aren't able to do it themselves, for whatever reason. Basically, I want to make sure children with special needs (IEP, day treatment, etc) due mental illness are not mistreated in the public school system. Do you think an MPP/JD would be a good route for me in grad school, or do you recommend something else? I'm not sure if I'd really enjoy public policy as I'm learning at my internship it is long, monotonous work most of the time. My understanding of this may be wrong, though, too. Is there some sort of Education Law that may cater to helping the families of students with mental illness who have been mistreated in the public school system? Or maybe making sure it never happens in the first place?? I am very confused as to my options and looking for guidance. Master of public policy? Master of clinical psych? Master of Education/edu admin? JD? Time and finances are not of any concern, simply looking to get the best education I can and to help the most people possible in the future. Help! :) Thank you!
Law & Legal - 1 Answers

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1
Please be aware of what you are proposing on getting yourself into. Please do more research first. Reminder: We are in a World-wide Recession. Consider career paths that have available jobs.<<<<<< Warning> Jobs in the field of Law are drying up fast!! This is just not a good field to invest time and/or money into. This is a SHRINKING, crumbling, and dying vocational field. Many reasons. Many people today (mistakenly) think they can do their own legal work, thanks to the Internet. Also, we simply already have way too many Legal Professionals - we have an absolute glut!! ("Legal Professionals" includes, but is not limited to: Attorneys/Lawyers, Paralegals, Legal Assistants, Legal Secretaries, Bailiffs, Court Reporters, etc, etc) There are no jobs in this vocational field. My family, coworkers, friends, acqaintances, etc. are being laid off left and right in this vocational field. Employers (usually law firms) in the field of Law today want employees with degrees from traditional colleges/universities. Those "certificates" you see advertised aren't worth the paper they are printed on - they are generally scams. (I found this out the hard way.) Cost of law school to be lawyer, approx $150,000+. Be prepared to take on a lot of debt.<<<<<<<<<< Even if you finish law school, you won't be able to find a job when you are done. Since this vocational field is shrinking, many new attorneys/lawyers are, themselves, having to work "down" as Paralegals, Legal Assistants, Legal Secretaries, Bailiffs, Court Reporters, etc, etc, to simply try to keep some of their bills paid <<this would be your competition. And the competition is fierce!! Now... the law schools know this, but they won't tell you the truth >that the job market/economy is just saturated with way too many Legal Professionals. Instead the schools will feed you a fairytale and will lie to you. The root of the problem is we have too many law schools. We are in a recession, and the schools are fighting for their own survival - they will tell students anything to get to the students' money. (Which is why they won't tell you the truth about the job market for the field of Law.) And these schools continue to recruit and churn out even more graduates.............Remember: law schools are BUSINESSES - their top concern is making money for themselves. If you don't believe me, then just do a search here on Yahoo Answers to see what other posters are saying about the current status of the field of Law. Call some local law firms - ask to speak to the Manager of Human Resources - ask them if they are hiring; ask them what they think about job availability in the field of Law.................. In the book "So You Want to be a Lawyer?" by Marianne Calabrese and Susanne Calabrese (ISBN 0-88391-136-1): "The United States has more lawyers than any other country in the world. About 38,000 students graduate >each year< from the 200+ law schools in the United States. The competition is very keen for jobs and clients." - Even Associate Justice Antonin Scalia (who served on the U.s. Supreme Court for more than 20 years) says there are too many lawyers. (9/14/2008) Check out these websites: http://informeddecisionmaking.blogspot.com http://calicocat.com/2004/08/law-school-big-lie.html http://abajournal.com/news/triplt_bad_news_for_law_students_three_firms_aX_summer_associate_programs/ http://abajournal.com/news/as_rio_tinto_saves_millions_other_corps_will_outsource_too_counsel_says/ http://blog.penelopetrunk.com/2009/02/03/dont-try-to-dodge-the-recession-with-grad-school/ (A link to a website does not constitute endorsement.) If you want a job when you are done with your studies, consider and look into the fields of >>>Healthcare or Information Technology! I spoke to a career counselor from Jobs and Family Services, and HE told me that these areas are where the jobs are, and future job availability! and scholarships! Good luck. (This is based on my current knowledge, information, belief, and life experiences. This was intended as personal opinion, and not intended to be used as legal advice. Please be careful and do your research.)

I need a car

I need a car...............?
Where coud I go to get a car in Worcester ma or surrounding that will finance me with a credit score of 550? I have $1000.00 to put down on one. I need one asap where I go to schoool full time and I go to work directly after. I take the bus 5 days a week and have to walk a mile to get to the bus stop in the morning and I take two buses to get to school and then one to work and one back home. Can someone please help me out? Anything is appreciated! Thanks guys!
Buying & Selling - 4 Answers

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go to ebay they have them they sell cheap ones lol fucker


2
The last place I would look is eBay. With a low credit score I'm not sure a loan is a good idea at all for you. I know how tiring it must be to take public transportation but if you'd just hand in there for a little while longer and save a few hundred dollars more you can buy a decent used car and pay cash. Then you won't have to worry about a predatory lender taking advantage of you. You really don't want to go to a Buy Here Pay Here lot because they sell really crappy cars and they charge way too much for them and then they hit you up with 22% interest and it's just not a good thing. Nobody needs a car that bad. Save some more money, shop smart and pay cash for a decent used car.


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Only buy here pay here places will finance you. And with $1000 down, you wont get much more than maybe a $1500-2000 car. Except you will owe $250 a month for 2-3 years. If & when the car breaks down, you will STILL owe. If you cant find a cosigner with good credit to sign for you, you just have to stick with cars you can afford with cash. They may not be much but its better than paying 6500-$10,000 for a $1500-2000 car. And ensuring your credit never gets better if you don't pay on time. You can get a decent running car for $1000 & under. You just cant be picky. Its going to probably have to be UGLY and/or have faded paint or dents. That's ok. How it runs is far more important. William, posting below me is WRONG. There is no federal law that limits interest to 21%. Many places charge 29%. That said, interest is not the primary rip-off,its price. And it HAS to be because if they will finance you, they will finance anybody and as a result they will lose cars, take losses and so forth. No, I have never used a buy here pay here lot. But I know how they work and I know a number of people who have them. I was at one, their lot was full of $600 cars and they were flipping a coin to determine if the guys purchase price for the $600 car with $500 down was going to be $3995 or $4995.


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I wonder how many of these people who are denigrating buy here pay here have actually used one. Shop around, not every one is out to rip you off. One word of advice. if you do use buy here pay here, make sure it is one that reports to credit agencies as this is the only way to build your credit back up. This is smart so you don't have to go through this again. By the way,federal law limits interest to 21%.

Please help me edit my resume...thanks. looking for an Acct.internship, thanks

Please help me edit my resume...thanks. looking for an Acct.internship, thanks.?
OBJECTIVE •To obtain an accounting internship, where I can apply the skills that I learned in my accounting courses to a real-world setting. EDUCATION School XXX’, Boston, MA Candidate for BSBA Accounting & Communication Studies Honors and Clubs: Dean’s List, Commuter Student Association, and Finance Committee. EXPERIENCE COmpany XXX Boston, MA Assistant to Manager of Finance and Administration December 2006- August 2008 •Maintained a positive relationship with administrators by ensuring that their materials were delivered in a timely manner. •Assisted company’s accountants and finance manager with several administrative task •Assisted with preparing for annual audits •Filed weekly account payables invoices. •Daily cash applications and receipt processing. •Used communication skills by greeting visitors as they enter COMPANY XXX. •Maintained a clean and organized environment. Company XXX Boston, MA Office Assistant June to August 2006 •Assisted in directing the activities of student at The Nicastro Learning Center at Quincy College •Increased students knowledge and competence of the new software in the center. •Enforced Learning centers rules and regulations to guide conduct maintain discipline and safeguard health of students •Archived and organized files. •Organized and coordinated stock Company XXX. Boston, MA Sandwich/Salad PreparerFebruary to June 2005 •Prepared salads and sandwiches to individual order of customers. •Received cash, checks and completed credit-card transactions from customers and employees •Assisted customers by providing information about menu items. •Retrieved customer orders over the phone. SKILLS Proficient in Microsoft Office; word, excel, Powerpoint and access and Filemaker Pro. And Strong Organizational and Interpersonal Communications abilities
Other - Careers & Employment - 2 Answers

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Very good resume. Couple pointers though: What was your position at Quincy College? Needs to listed. Also if you have received any recognition in a job - be sure to put it down. such as received award for increased productivity.


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Lost of good information. Needs to be more results oriented. What did you accomplish? What did your actions do to impact the business results? What impact did you have on customer satisfaction? How much cash did your decisions bring into the company? Can you document ROI on any of your projects/actions? Accountants are a dime-a-dozen...business thinkers will ALWAYS command a premium, regardless of market conditions. Consider reading Ram Charan's book: What the CEO Wants You To Know or attending workshop like found at www.6businessdrivers.com...there are many out there, this is just an example. Good luck.

How good of credit do you have to have to finance a computer from a place like DELL

How good of credit do you have to have to finance a computer from a place like DELL?
I have 'fair' credit.. not GREAT.. not bad, not good, but not bad. I HATE financing things.. i hate it.. trust me, i dont want to. But im wanting to get this laptop for my husband for x-mas and cannot just shell out the $1500 in the next couple of weeks. So i would have to finance for only 4/5 months to pay it off. But im just wondering.... how good of credit do you have to have?
Credit - 1 Answers

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For Dell you need top credit i was refused so i went to Best Buys and was able to get one interest free for 18 months paid it off. WAS VERY EASY TO GET CREDIT FROM BEST bUYS they used hsbc.

Best way to start investing in real estate

Best way to start investing in real estate?
I'm interested in how veterans of real estate investing broke into the market. I've read too many books and listened to too many seminars that pin your start on deal-of-a-lifetime type purchases and shady accounting. Do you think its worth buying, improving and selling a home in a short time? Do you think buying and renting is the better way to go? (Renting seems better if prices fall but carrying several mortgages is as scary) What kind of financing did you use? Down Payment? (Yes/No/How Much?) How much was your initial investment if you were improving the property? Did you take out any loans to cover your improvements? I'm in my mid 20's. I live in the South Shore MA area. I don't pay rent and incur about $400 monthly expenses. I have a good full time job (+50K), some saved money (+10k) and good credit. I'm very organized, fairly well educated on the subject (a lot to learn) and i have friends who are listing agents and contractors. Any feedback/contact would be appreciated
Renting & Real Estate - 6 Answers

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I would recommend to put as much as you can as down payment. After that scramble to pay it off as soon as possible.This will greatly reduce your risk of being suffocated by interest charges. The banks will also be happy to lend you more money if they see you have little debt. You can use the equity you've built in your first property to borrow some more. If you have reasonably wealthy parents, you can ask for their help. Borrow from them to increase your deposit. Paying down your mortgage to manageable level should be your priority. By manageable I mean positive cash flow.


2
I can tell from my own experience. I did buy a fixer upper in AZ but the market was hot and crazy at that time, I overpaid for the house, which was in a terrible shape. I spend about $20,000 for repairs, the house was on the market for 9 months and finally sold but I really had to go down with my price and pay all closing fees about $7,5000- I took equity loan against another property but still it was about $1,000 to be paid to the bank a month. The house was not rented out, because I thought it will sell fast. The area was not so great and I was afraid if I let someone move in they will damage the house. Most of the buyers had no money down or not a good credit. My advice buy when the market is low, rent it out for a while if you can't sell and sell it when the market is hot. Location, location is very important. Good luck


3
Flipping or renting depends on your long term goals. If you are in for a quick, dangerous, profit, then flipping would be the way to go. If you are more interested in possibly retiring early with a good cash flow throughout your retirement, I would buy to rent. When you research an apartment building to rent out (duplex/triplex/quadplex or a multiunit building), just be sure that your income will be higher than your expense, and you will be safe. It sounds easy, and it really is. Example? Sure! Lets say you pay 100k for a quadplex on which tenants pay electric and gas. 100k mortgage would be roughly $1400 a month including taxes and insurance. (Try to get them included and then you don't have to worry about it!) Put aside a set amount each month in a seperate account for repairs if you need them. Lets go with $150 for this example. Lets say each tenant uses $40 in water a month, so your expenses would be easy: $1400 mortgage $150 repairs $160 water _____________ $1710 in expenses So each unit would have to pay $427.5 a month for you to break even. If you can charge more than that (say $600 a month?) then the extra is profit in your pocket. When you do your planing on what you can afford, try to keep in mind that all units might not be rented all the time. For my apartments, since they are in a college town, I figure everything with 3 months of vacancy a year on each apartment. If you are okay on money at the moment, but want to retire early, get mortgages for like 20 or 25 years instead of 30, and pay over your payment every month. If you pay just $100 over on your principle every month, you can pay your loan off up to 10 years earlier. To purchase properties, I have had great luck buying on contract. For roughly 10% down, I have had owners finance me for up to 5 years before I had to get a commercial mortgage. All the improvements I've made to apartment buildings have come from that repair fund I mentioned earlier. Flipping is more work when it comes to research. You have to find where to get the money, find out how much (exactly) the repairs are going to cost you, and how much the home will sell for. The first house I put a purchase offer in on to flip had 2 months of planning behind it. Good luck.


4
I'm in a similar situation- 26, make good money for my age, etc. Although I'm still looking to break into the market same as you, my family is heavily into real estate (50 properties in CA/NV) so I can share some words of wisdom that I've picked up from them. 1) Multi-unit properties are valued based on the rental income they produce, single residency properties are not. Right now single family homes are too pricey to justify if you're looking to rent it out- your rental income will not cover your expenses in most cases. You stand a much better chance of having positive cash flow in this market if you buy a multi-unit building. 2) Screen tenants carefully- it is better to have a unit sit vacant for a month than put someone with a shady record into a lease just to fill up your building. This will lead to many headaches with evictions, property damage, etc. 3) Be prepared for the long haul. Real estate is the sure way to riches, not the quick way. Many rental properties barely make a profit for the first 5 years or so. But given time the rents will rise and mortgage won't, so you'll make $$$ down the road. Don't expect a quick easy return. Hope this helped. You are certainly on the right track and asking all the right questions. You'll get there eventually. Cheers


5
check this database of foreclose homes http://calihomes.blogspot.com


6
avoid the get rich schemes. there are many ways to invest in real estate. Some will say, "put down as much as you can" others will say "put the down payment on your credit card and leverage yourself". There are alot of opinions out there. You should do what works best for you. What are you goals? Do you want to be a landlord? Do you want to just own the property and hold it? How much time do you have to do this? Do you at least own your own house now? If not, I would start there. Ask your listing agents some information about the market. Try visiting a local REIA chapter (Real Estate Investors Assocation) they can be of some use, but they want to charge for membership. Or, try to find a Cashflow Club as well. Best of luck, Angela -http://www.ratraceclub.com