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why do people create their own financial misery?

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Old May 30, 2006 | 08:55 AM
  #61  
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[QUOTE=MDXLuvr,May 30 2006, 04:38 AM] Please list all the other countries you have lived in since you made such an insightful statement.

IMHO, if you don't have a BS or higher degree or if you don't have entreprenurial skills then you are plain screwed in USA.
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Old May 30, 2006 | 09:09 AM
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Originally Posted by MDXLuvr,May 30 2006, 04:38 AM
well if you are poor- the chances of you affording college eduction in USA is slim to none(unless you are top 1-2% academically).
Originally Posted by Gotrice02
Maximizing the use of federal subsidized and non-subsidized stafford loans is the smartest thing you can do during college. I was employed through college and they reimbursed half of my schooling. I took out 15K in stafford loans and bought stock and invested it. After 3 years I made 20K on top of the loans I took in college and was able to pay the loans back. I used that extra cash I made to buy a huge house that I made 120K on in a year. I still have "some" student loans that I am paying back at 2.8% interest rate and I deduct the interest come tax time anyways.
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Old May 30, 2006 | 09:35 AM
  #63  
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Originally Posted by MDXLuvr,May 30 2006, 08:38 AM
well if you are poor- the chances of you affording college eduction in USA is slim to none(unless you are top 1-2% academically).
I disagree. There is a lot of scholarships, grant money and federal subsidized and non-subsidized money out there to can enable students from poor families to go to college.
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Old May 30, 2006 | 10:01 AM
  #64  
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When I was teaching, my district paid for a bunch of training. 90% of it was , except for this one:
http://www.lecturemanagement.com/spe...ruby-payne.htm

The rules are hidden. You don't know them. If you do, consider yourself TRULY well-rounded.
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Old May 30, 2006 | 10:01 AM
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To get the scholarship $ and grants don't you have to have decent grades though? Not sure about the 1-2% academically, but you would need to be near the top wouldn't you?

I have twin "half" brothers (same mom, different dad) who are going to college right now and they get all kinds of stuff due to my mom being pretty poor and them being fairly smart (1250ish on their SAT's and mostly A's in highschool).....

My dad taught at a shitty state school so i got free tuition.....I just had to pay books, rent, food, etc..... I worked in a bar and ate and drank for free....
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Old May 30, 2006 | 10:25 AM
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Originally Posted by mav,May 30 2006, 12:35 PM
I disagree. There is a lot of scholarships, grant money and federal subsidized and non-subsidized money out there to can enable students from poor families to go to college.
Yes, The federal stafford loans provide an opportunity for almost anyone to go to school. The process is not hard and just takes some initiative like anything else in this world. If you get informed and do research you can easily pay for your education in this country. There are million excuses why people cannot get an education in the US, but few are acceptable.
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Old May 30, 2006 | 11:56 AM
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Originally Posted by JonBoy,May 30 2006, 10:28 AM
Try getting someone to move to a small town filled with mostly old people, no high-end vehicle dealerships, lots of rednecks, and very humid weather. You have to pay the big bucks to do it.

You may be right that the pharmacist has a stake in the pharmacy, but that's still "pay", right?

Also don't forget that the other girl was offered OVER $400K out of college. It's high, but they're out there. $100K is not unreasonable for a newly graduated pharmacist.

My brother-in-law is finishing up his anesthetist schooling. He won't make less than $120K and could make as much as $250K out of school (since he has a full nursing degree and a lot of experience already in general health care). Really, in those kinds of jobs, $100K is reasonable and expected.
Sorry, but I call MAJOR on the $400k deal. Just no way...someone's fibbing. Several relatives and friends of mine have graduated from UConn and Phili Pharm school with Pharm D's and they're lucky to get offers in low 6 figures.

Think about it. Surgeons out of "school" aren't making that kind of dosh. Pill pushers surely aren't going to get it. The only way you're making $400k is if you OWN the pharmacy outright.
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Old May 30, 2006 | 12:15 PM
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$400k sounds wrong unless they are giving out BJ's with every order???

<<<<The median expected salary for a typical Pharmacist in the United States is $95,847. This basic market pricing report was prepared using our Certified Compensation Professionals' analysis of survey data collected from thousands of HR departments at employers of all sizes, industries and geographies. >>>>

http://swz.salary.com/salarywizard/layouth...011.html#readon
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Old May 30, 2006 | 01:05 PM
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Originally Posted by Scot,May 30 2006, 07:26 AM
I was hoping some of my relatives would "see the light" but each day and each story gets dumber and dumber.

I could probably give each of these people $50k and in a month there would be nothing but a bunch of receipts for clothing, wheels, and sushi.
Just goes to show that the general population is ignorant. They did a show on one of those Dr.Phil type shows about credit card debt. A family of four was in $100k in debt (credit only), while being in default on their $600k home. The idiots were eating out every night, the children had over $2k each in unused clothing, a new $15k home entertainment system and two newer Bimmers.

The wife didn't work while the husband made $100k/yr. How in the world can someone with only $100k afford a 600k house and two new Bimmers? They were at the max APR with their credit cards paying a whopping 24% apr PLUS overextend fees and late payment fees.

I was that these knuckleheads were diggin themselves into a hole and not realizing how they were doing it. Then Dr. Phil comes in to "save the day". His sage advice?.......


STOP SPENDING MONEY AND DON'T TRY TO KEEP UP WITH THE JONES'S.
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Old May 30, 2006 | 01:34 PM
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Originally Posted by kadeshpa,May 30 2006, 02:56 PM
Sorry, but I call MAJOR on the $400k deal. Just no way...someone's fibbing. Several relatives and friends of mine have graduated from UConn and Phili Pharm school with Pharm D's and they're lucky to get offers in low 6 figures.

Think about it. Surgeons out of "school" aren't making that kind of dosh. Pill pushers surely aren't going to get it. The only way you're making $400k is if you OWN the pharmacy outright.
Call it all you want. The guys had no reason to lie about it. Maybe the pharmacist had part ownership in the pharmacy - I already said I didn't know - but that's what they were making. Live with it - sometimes not everything conforms to your world...

Secondly, perhaps your family and friends weren't as impressive as these people. The girl I mentioned is not only a practising pharmacist, she also teaches at the university. She's smarter than most people I know - she warranted an extraordinary offer.

Surgeons out of school aren't making that kind of money because most still have two to four years of working under another surgeon before they can work independently. Many "doctors" and surgeons only make $40-$60K their first few years while they complete their residencies.

I've got nothing to prove here. And, if all you call them is "pill pushers", your ignorance is bleeding through (no offense). It's like calling a nurse a stool transporter.
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