General Adulthood, Planning for the Future: Business, College, Budgeting, Investments, etc! $$$ - General

[QUOTE=Flicky;52576713]About to start my second year of college, which is the last year my parents are paying for in full. I'm hoping that I can get some scholarships and internships in the next three years, otherwise I'm gonna have damn near $100k in student debt with nothing but a film degree in my hands.[/QUOTE] what fucking film school are you going to that will charge you $100k for 3 years of college

Hey folks - in the course of doing some research on good banks to choose prior to my move to Canada and work on a personal investment strategy, I came across something rather cool that I wanted to share. It would appear that Tangerine, a Canadian bank, apparently shared a free copy of the book "The Wealthy Barber Returns" as a gift via a link on their website, but didn't take it down after the promotion ended. I was very surprised to admit that I found this book extremely good and laid down not just financial advice in a very clear, illustrative way but in a way that makes it relatable to [I]your[/I] interests. I would highly recommend sourcing Mr. Chilton's original book, [I]The Wealthy Barber[/I], which is also excellent. While it may be written from a Canadian perspective, the things outlines are relatable to a North American context as well. I've asked BDA if it was okay to share it, [URL="https://www.tangerine.ca/static_files/Tangerine/content/Campaigns/Wealthybarberreturns/Chilton_WealthyBarberReturns2.pdf"]so here you go[/URL]. Hope it helps!

How important is it to declare a minor in college?

[QUOTE=Combat Wombat;52583615]How important is it to declare a minor in college?[/QUOTE]Not super important unless you think it will help get you an internship/job. My degree is in Urban/Transit Planning so a minor in Architecture is a useful addition

[QUOTE=Combat Wombat;52583615]How important is it to declare a minor in college?[/QUOTE] When we get job applications at work we don't really care much about the minor, unless it happens to relate well to interests they mention in their resume. You're most likely fine choosing a minor in something you enjoy.

[QUOTE=hakimhakim;52575255]Be careful with medical (working) life. It could change you into...ugly things[/QUOTE] Those bad things aren't necessarily bad long-term of course, from what I've been told losing the capability of ever being grossed out again sounds pretty sweet. I'm gonna look into medical school sometime around when I finish my 4 year degree, I'm thinking I'll be double majoring comp sci with some type of biology or biochemistry. I'm not entirely sure what I want to do with my adult life, but that will give me a pretty broad set of things I can get into.

[QUOTE=thelurker1234;52591445]Those bad things aren't necessarily bad long-term of course, from what I've been told losing the capability of ever being grossed out again sounds pretty sweet. I'm gonna look into medical school sometime around when I finish my 4 year degree, I'm thinking I'll be double majoring comp sci with some type of biology or biochemistry. I'm not entirely sure what I want to do with my adult life, but that will give me a pretty broad set of things I can get into.[/QUOTE] It's not the 'biological' aspect of it that is problematic, it's the clinical working environment. I've seen a lot of doctors became sort of neurotic due to the stress. And time, the severe lack of it means it'll be very difficult to develop your life as a human. But it can be circumvented if you take a non-clinical line of medical work. Microbiologist, phatologist, office health officer, public health officer, in short the type of work that dont have to directly face sick patients. If you can't deal with the stress, you can have these as your fallback. A lot of my bright-minded friend distanced themselves from demanding clinical side, because in long term its not compatible with normal life. So having associated qualificationa probably will be your saving grace.

[QUOTE=thelurker1234;52591445]Those bad things aren't necessarily bad long-term of course, from what I've been told losing the capability of ever being grossed out again sounds pretty sweet. I'm gonna look into medical school sometime around when I finish my 4 year degree, I'm thinking I'll be double majoring comp sci with some type of biology or biochemistry. I'm not entirely sure what I want to do with my adult life, but that will give me a pretty broad set of things I can get into.[/QUOTE] Be careful though, because unless you want to be a nontraditional applicant (which there is nothing wrong with, but it's significantly harder) you should have a good idea of whether you want to go into medicine from the get go. There is a LOT you have to do in college to prepare yourself for applications, so there really is no deciding at the last minute before you graduate that you want to do it. Just a heads-up. By the way, I say this assuming you're an American (Flagdog isn't displaying a flag for you). If you're not then disregard this, as I'm not sure how things work in other countries.

Welp, after watching my boss threaten my co-worker/best friend with physical violence I'm ready to stop working for that bag of dicks. Main problem is I have no idea where to go, no college education, and pretty much no network. This problem arises particularly bad considering I want to go from being a Painter/General Laborer to something IT related.

getting certs should be your first step. A+, Network+, Security+, etc.

Glowing performance review from internship supervisor: 98/100 for academic credit and 4.7/5 on the submitted survey. All too happy to give a professional reference. Got a farewell card from fellow staff and coworkers. I would say that went very well. It's a good feeling to watch hard work pay off. Faculty advisor notified me about another opportunity at a local company, so having the next thing potentially lined up is a big step forward. Class is starting back up in a few weeks, and I am excited to start wrapping up my educational career and moving to the workplace.

[QUOTE=OrkO;52592834]Be careful though, because unless you want to be a nontraditional applicant (which there is nothing wrong with, but it's significantly harder) you should have a good idea of whether you want to go into medicine from the get go. There is a LOT you have to do in college to prepare yourself for applications, so there really is no deciding at the last minute before you graduate that you want to do it. Just a heads-up. By the way, I say this assuming you're an American (Flagdog isn't displaying a flag for you). If you're not then disregard this, as I'm not sure how things work in other countries.[/QUOTE] Yeah, that is true. Though, classes-wise it does seem that I'll be fitting in most of what places want at least. The time I'll start seriously considering it is once I've transferred from college to university. I'll be going to Texas Tech, which has a fairly decent medical school as well that I can directly investigate and talk to while finishing my bachelors. [QUOTE=hakimhakim;52592104]It's not the 'biological' aspect of it that is problematic, it's the clinical working environment. I've seen a lot of doctors became sort of neurotic due to the stress. And time, the severe lack of it means it'll be very difficult to develop your life as a human. But it can be circumvented if you take a non-clinical line of medical work. Microbiologist, phatologist, office health officer, public health officer, in short the type of work that dont have to directly face sick patients. If you can't deal with the stress, you can have these as your fallback. A lot of my bright-minded friend distanced themselves from demanding clinical side, because in long term its not compatible with normal life. So having associated qualificationa probably will be your saving grace.[/QUOTE] That is honestly one of my main draws, just with my personality type that sort of stressful very busy environment is what I seem best suited for. Of course, I am just saying that. That doesn't mean it'd wind up true, and it's also pretty likely that I'll change as I get older. That is one reason why it's not a primary thing that I'm dead-set on. [QUOTE=elitehakor;52593145]getting certs should be your first step. A+, Network+, Security+, etc.[/QUOTE] Those certs can be self-taught very well too (most IT stuff can.) Although, having a more specific idea in mind of what type of IT job you want to do will be helpful. The A+ for example is good if you're interested in repairing computers. But an aspiring sysadmin might look at the red hat or linux foundation certs.

[QUOTE=Valdor;52581767]what fucking film school are you going to that will charge you $100k for 3 years of college[/QUOTE] I'm going to the University of Texas as an out-of-state student; the tuition is reaaaally cheap for in-state students because they thrash out-of-staters like me for all I've got. It has better opportunities than a lot of the art schools I looked at though so here's hoping it'll pay off.

[QUOTE=Flicky;52594029]I'm going to the University of Texas as an out-of-state student; the tuition is reaaaally cheap for in-state students because they thrash out-of-staters like me for all I've got. It has better opportunities than a lot of the art schools I looked at though so here's hoping it'll pay off.[/QUOTE] If you marry craptasket for a year before attending you can get residency status

Either marry Craptasket or marry me, it's your choice.

[QUOTE=Pascall;52594351]Either marry Craptasket or marry me, it's your choice.[/QUOTE] When can I move in :vs:

[QUOTE=thelurker1234;52593969]Yeah, that is true. Though, classes-wise it does seem that I'll be fitting in most of what places want at least. The time I'll start seriously considering it is once I've transferred from college to university. I'll be going to Texas Tech, which has a fairly decent medical school as well that I can directly investigate and talk to while finishing my bachelors. That is honestly one of my main draws, just with my personality type that sort of stressful very busy environment is what I seem best suited for. Of course, I am just saying that. That doesn't mean it'd wind up true, and it's also pretty likely that I'll change as I get older. That is one reason why it's not a primary thing that I'm dead-set on. Those certs can be self-taught very well too (most IT stuff can.) Although, having a more specific idea in mind of what type of IT job you want to do will be helpful. The A+ for example is good if you're interested in repairing computers. But an aspiring sysadmin might look at the red hat or linux foundation certs.[/QUOTE] Just remember, there is much more to do than just classes. Studying for several months for the MCAT, maintaining a very high GPA, hundreds of hours of both shadowing and clinical and non-clinical volunteering, and maintaining relationships with professors to get rec-letters are all requirements, and joining organizations, having non-academic interests, doing research(!!!) and having a job are all important as well. If you haphazardly decide too late in college that you want to pursue medicine, it can be extremely difficult to achieve all of that. If you decide to go the nontrad route instead, you generally need to have a pretty compelling story (e.g. I joined the military, I became a high school teacher, I did scribe work for 3 years, etc.). I'm just telling you the things I wish someone had told me when I was entering college. Fortunately I made friends with upper-classman premeds, had a great advisor, and managed to figure things out, and things have gone rather well. I do know plenty of people, though, who didn't realize what they needed to do to prepare to apply, thought everything would be okay, but in fact dug themselves into rather deep holes with poor GPA, poor MCAT score, or complete lack of extracurriculars.

[QUOTE=Flicky;52594480]When can I move in :vs:[/QUOTE] I live with my parents, you're the one who's gonna have to find a place for us. Joke's on you, I'm a freeloader. :dogsleep:

Just started university and on every day of the week I got an 8 AM class, fun fun fun How bad is this going to ruin my social life?

[QUOTE=TFA;52596365]Just started university and on every day of the week I got an 8 AM class, fun fun fun How bad is this going to ruin my social life?[/QUOTE] It won't if you know how to balance your timing. If you're gonna hang out with friends on weeknights, cap it at around midnight so you can head home and get at least 6 hours. Also pro-tip: If you're a coffee fan, buy your own pot (a Black & Decker 5-cup coffee pot is like $20) and brew your own in the morning. So much more cost effective than buying coffee by the cup every day.

[QUOTE=Flicky;52596416]It won't if you know how to balance your timing. If you're gonna hang out with friends on weeknights, cap it at around midnight so you can head home and get at least 6 hours. Also pro-tip: If you're a coffee fan, buy your own pot (a Black & Decker 5-cup coffee pot is like $20) and brew your own in the morning. So much more cost effective than buying coffee by the cup every day.[/QUOTE] Bad advice there, the 5 cup pot is way too small. I usually wind up running it 2 or 3 times. Get at least a 10 cup coffee pot.

[QUOTE=TFA;52596365]Just started university and on every day of the week I got an 8 AM class, fun fun fun How bad is this going to ruin my social life?[/QUOTE] I had 5 days of 8 am classes when I was a freshman, and it's not as bad as people make it sound. Just drink lots of coffee and manage your sleep well on the weekdays, and then you can stay out late and party on the weekends without being exhausted

I am having a hard time making a decision. I've been offered a job essentially selling tickets for something that I think is a scam or is at the very least not what it claims it is (claims to be raising money for the "firefighters association", but in the training I was very specifically instructed that if asked if any firefighters get the money, I must tell them no, that it goes to this organization, otherwise the fire Marshall could shut them down because fire stations are actually funded by taxes, not by charities). So based on that, I'm pretty sure the entire company exists only to scam old people and that none of the money they collect actually goes to what it claims it goes to. But if I am good at it, I could make upwards of 15 an hour to sit and talk on the phone, which would make my bills a lot easier to pay. I could also still keep my current job and just do it on the weekends which will help even further. I just don't know if I can handle the immorality of it. What I do now is honest work, it just doesn't pay enough for me to live on and I have to do it 10 to 12 hours a day 7 days a week in order to not even get enough money to support myself. But making this change, I could work a comfortable normal 40 hour work week, and still supplement my income with my current job on the weekends, but the new job is dishonest and may be soul destroying, and I already hate being alive as it is, so lying to old people and taking their money all day may just push me over the edge. What should I do?

Aw what, that's a scam? I've sent them money before. I mean it was only ten bucks but still lol. I wouldn't do it honestly, it doesn't seem right. Not to mention they hounded me for months despite me telling them I couldn't donate this year. Had to ultimately lie and say the check was in the mail. I feel like you could do something a lot less sketchy. It seems tempting but I dunno man.

[QUOTE=Pascall;52608002]Aw what, that's a scam? I've sent them money before. I mean it was only ten bucks but still lol. I wouldn't do it honestly, it doesn't seem right. Not to mention they hounded me for months despite me telling them I couldn't donate this year. Had to ultimately lie and say the check was in the mail. I feel like you could do something a lot less sketchy. It seems tempting but I dunno man.[/QUOTE] I feel like I could also, but keep in mind I have no education, didn't graduate high school, have no marketable skills, and very little experience in fields that simply don't pay enough. I'm going to keep looking, and hope that I can find something that won't make me want to kill myself lol. And yeah it's probably a scam, they have called me in the past as well, and if you Google it there are AARP articles saying it's a scam or at least not to donate to it. So you know you're a really bad person when the AARP has to issue a message to the old people warning them of your shenanigans.

[QUOTE=J Paul;52608098]I feel like I could also, but keep in mind I have no education, didn't graduate high school, have no marketable skills, and very little experience in fields that simply don't pay enough. I'm going to keep looking, and hope that I can find something that won't make me want to kill myself lol. And yeah it's probably a scam, they have called me in the past as well, and if you Google it there are AARP articles saying it's a scam or at least not to donate to it. So you know you're a really bad person when the AARP has to issue a message to the old people warning them of your shenanigans.[/QUOTE] Boo, that's messed up. Here's the thing though, there are tons of call center jobs if you really look! And some are even work from home. If you're willing to do call center jobs, I'm willing to bet you can find something in your area. If you'd like, I can help you peek around for something too, if you wanna Steam message me at some point. Although have you gotten your GED yet? That could be a definite help if you haven't gone to take that test and would look a lot better to potential employers.

[QUOTE=Pascall;52608104]Boo, that's messed up. Here's the thing though, there are tons of call center jobs if you really look! And some are even work from home. If you're willing to do call center jobs, I'm willing to bet you can find something in your area. If you'd like, I can help you peek around for something too, if you wanna Steam message me at some point. Although have you gotten your GED yet? That could be a definite help if you haven't gone to take that test and would look a lot better to potential employers.[/QUOTE] I'm currently trying to do that right now, but it will cost around 100 dollars, which just hasn't been doable as I'm about $600 a month from what I need just to pay bills. So I'm in that messed up position where I have to find a better paying job first so that I can afford to get my GED which is what would enable me to get a better paying job in the first place, lol.

What state are you in? Some areas have payment plans which could be helpful.

[QUOTE=Pascall;52608190]What state are you in? Some areas have payment plans which could be helpful.[/QUOTE] I'm in North Carolina. I'm trying to get the YMCA to maybe help me pay for it, which required a financial review, which is how I now know I make 600 less per month than I need to get by. We'll see what happens. Even if I can get it paid for, I can't really afford to take a day off of my current job. And even starting this new job, if I decide to do it, will probably have me even further in the hole due to training pay being less than what I would make once the job really starts, so I'm really just in a shitty spot. But it'll get better. I don't know how or when, but I'm sure things will change. If I were to enroll in the local community college's HSE program, they would pay for it, but again, that would require time that I just can't afford to take off. I'll try to make something work though.

I have this weird skin thing going on, I don't want to go to the doctor because that's a huge money sink just in case it turns out to be nothing, but at the same time if it was something important it feels like now is the time to be doing something about it. Do you guys have any advice?