Detailer's Bar

[CamaroDreams07]

Originally Posted by ec1990

Ugh I don't even want to think about already going back for my Master's. That'll be in 2 months or so start back up.

I just finished mine. I was in a double MBA/MS Finance program, but I ended up just graduating after the finance degree. Three degrees is enough for me and I can't imagine doing any more school. Seventeen consecutive years.

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[ihaveacamaro]

Originally Posted by CamaroDreams07

It's gonna take a lot of evening out for that haha. Especially with all the new healthcare regulations set by the government.

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good thing no one thought to put dentistry in all that shit

[CamaroDreams07]

Originally Posted by ihaveacamaro

good thing no one thought to put dentistry in all that shit

Just you wait lol.

But seriously, I hope not.

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[kostnkost]

Originally Posted by ihaveacamaro

What are your guys' plans for the week?

Sometime this week, I'm gonna do an Adam's Americana Just Half A Test

Gonna watch the rain fall all week here unfortunately. At least I don't have to drive to work when it rains as I am a roofer.

Can't wait for your Americana test. Curious if you or anyone else has tried Race Glaze? I have yet to use it yet, but heard nothing but good results for darker cars.

[ec1990]

Originally Posted by CamaroDreams07

I just finished mine. I was in a double MBA/MS Finance program, but I ended up just graduating after the finance degree. Three degrees is enough for me and I can't imagine doing any more school. Seventeen consecutive years.

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I'm doing mine completely online so it'll probably take 3-4 years or so, working full-time doesn't exactly leave time for full course semesters.

Do you know of any MBA/MS Finance programs 100% online that are priced reasonably and respected? I've been looking into going into Financial Advising recently, granted this wont be for 6-20 years at least.

[ihaveacamaro]

Originally Posted by kostnkost

Gonna watch the rain fall all week here unfortunately. At least I don't have to drive to work when it rains as I am a roofer.

Can't wait for your Americana test. Curious if you or anyone else has tried Race Glaze? I have yet to use it yet, but heard nothing but good results for darker cars.

No sorry but heard good things about them. I have too many good waxes to buy another though...

[trm2]

Originally Posted by ec1990

Do you know of any MBA/MS Finance programs 100% online that are priced reasonably and respected?

The best you can hope for is 2 of 3.

Online wasn't an option back when I got mine (MBA '97). My school was respected (top30) but even back then was $30k a year. Thank God for Dean's Scholarships!

[LIM3]

Wow I just found this thread damn it.

[ec1990]

Originally Posted by trm2

The best you can hope for is 2 of 3.

Online wasn't an option back when I got mine (MBA '97). My school was respected (top30) but even back then was $30k a year. Thank God for Dean's Scholarships!

I figured, guess I'll just check the box, cheap and easy it is.

[charlietuna]

Golfing Monday its for charity off Tuesday perhaps some work eventually.

[CamaroDreams07]

Originally Posted by ec1990

I'm doing mine completely online so it'll probably take 3-4 years or so, working full-time doesn't exactly leave time for full course semesters.

Do you know of any MBA/MS Finance programs 100% online that are priced reasonably and respected? I've been looking into going into Financial Advising recently, granted this wont be for 6-20 years at least.

Most financial advising jobs I've seen are only looking for a bachelor's. You might want to check into that. I've turned down many of those positions because it's not what I want to do. I started getting offers after my bachelor's.

Advisors have way more to do with sales than finance.

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[ec1990]

Originally Posted by CamaroDreams07

Most financial advising jobs I've seen are only looking for a bachelor's. You might want to check into that. I've turned down many of those positions because it's not what I want to do. I started getting offers after my bachelor's.

Advisors have way more to do with sales than finance.

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My Bachelor's is in a completely different field than business. But military wants that Master's in something box checked, so that's why I was looking into an MBA. Although lately I've been looking into financial advising towards people specifically younger people that have these options of starting to invest early, but delay it because they just don't know. I understand not being able to afford it, but to let money sit in non-interest making checking accounts or putting off retirement and sitting on cash because that's what so and so said bothers me. Then again I figure at this age low 20-s I can afford being high risk high reward (to an extent) and I might as well do what I can now until I have to forego reward for lesser risk.

[CamaroDreams07]

Yeah that makes sense. I wish I had any money to invest haha. As tuition rates are outpacing inflation threefold or more, more and more young people are starting their lives in a huge hole.

For example, I had $36k in student loans for my Master's (fortunately scholarships covered undergrad). This amounts to $310/mo for ten years under the standard recommended repayment plan. That means that just to stay in a lower middle class level in the next ten years, I need to average $35k take home, so at least $50k.

Luckily, my field starts quite a bit higher, but my point is that for people who have to borrow more and land lower income jobs, this is seriously problematic for the economy.

I've said it before and I'll say it again, college is just buying a really expensive piece of paper. But as long as we have the government making student loans available at low interest rates for people who shouldn't get them, and employers insisting on at least a bachelor's degree to screw in a light bulb, this is the world we have to accept. It ****s everyone, but it makes the government and colleges a shit load of money. The current higher education system makes everyone but them worse-off.

/rant

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[ec1990]

Originally Posted by CamaroDreams07

Yeah that makes sense. I wish I had any money to invest haha. As tuition rates are outpacing inflation threefold or more, more and more young people are starting their lives in a huge hole.

For example, I had $36k in student loans for my Master's (fortunately scholarships covered undergrad). This amounts to $310/mo for ten years under the standard recommended repayment plan. That means that just to stay in a lower middle class level in the next ten years, I need to average $35k take home, so at least $50k.

Luckily, my field starts quite a bit higher, but my point is that for people who have to borrow more and land lower income jobs, this is seriously problematic for the economy.

I've said it before and I'll say it again, college is just buying a really expensive piece of paper. But as long as we have the government making student loans available at low interest rates for people who shouldn't get them, and employers insisting on at least a bachelor's degree to screw in a light bulb, this is the world we have to accept. It ****s everyone, but it makes the government and colleges a shit load of money. The current higher education system makes everyone but them worse-off.

/rant

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I agree with the societal issue and whole "you must have a bachelors to be successful". But I also have a serious issue with government backed student loans, I fully support them as I see them as an investment in it's people. But the fact in my case the interest rate was 6.5% plus they start charging interest the first check you cash, so 4 years of interest being charged is ridiculous. Luckily for today's students it's down to 3-4% which is more reasonable, but charging once it's cashed is insane. No wonder some many people default on them, they take one look and end up paying the minimum for 30 years or get income adjusted repayment plans.

Unfortunately the digging a whole is only getting worse, I have tons of friends who can't get jobs and therefore choose to go back to school, which in itself isn't a bad choice but not planning out paying back loans leads to a huge hole for them. But that's also on a person to person basis on what they think of debt-to-income ratios and how they see investments/retirement, etc...