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

[QUOTE=LennyPenny;52903442]So my first ever real full time paycheck is gonna come in at the end of the month and I kinda want to start thinking of how to use that money wiseley I will get 1300-2000€ per month after taxes in the first few months (no idea how much I can talk about actual salary so it's somewhere in that area) - note that I'm in Germany so healthcare and stuff isn't a factor, as well as being let go without a 4 week period of prior notice I think I'm going to spend 50€ of after tax money per month on a retirement plan for starters and get some other insurance that will be in that ballpark in total as well Other than that I have a really low cost of living as I'm still 19 and live with my parents This brings me to my real problem - I have like 1000€ per month I can't spend even if I try really hard to have an "expensive" (not as in luxurious but as in not letting opportunities to have actual fun go by because of money reasons) lifestyle I should probably invest that money somehow but every time I read into that stuff it just feels like glorified gambling and that makes my stomach ache Putting like 500€ each month into a savings account also feels weird as money sitting around also feels like a waste (other than like 3 months salary of emergency savings) Are there some recommended youtube videos or short blog posts I can read to feel more secure? I'm not one to read books unfortunately[/QUOTE] What I do when I receive my paycheques is put X amount in to savings (e.g. $250 for each paycheque on a bi-weekly deposit) and then the rest is fair game to spend as I like, you may find that to work well in your case. Also if you're looking in to doing some investing I'd definitely recommend index funds. The essential idea is that the money invested is actually invested between numerous companies that belong to the index. The investment is a lot less risky and much more stable, but the returns are less. You'll probably get between a 5% and 10% return per year which should cover inflation.

The problem I see with longer term investments is that because they have a lower roi you have to invest for longer. (duh) And then even if these are diverse and distributed investments the long term risk of there being some sort of market crash becomes very real (I'm guessing) So the overall risk is kinda the same :v: [editline]19th November 2017[/editline] I feel like I'm missing a key point of investing or something

[QUOTE=LennyPenny;52904621]The problem I see with longer term investments is that because they have a lower roi you have to invest for longer. (duh) And then even if these are diverse and distributed investments the long term risk of there being some sort of market crash becomes very real (I'm guessing) So the overall risk is kinda the same :v: [editline]19th November 2017[/editline] I feel like I'm missing a key point of investing or something[/QUOTE] The time to invest is when the market crashes so that when it stabilizes and returns to where it was you'll have a hefty sum.

[QUOTE=LennyPenny;52904621]The problem I see with longer term investments is that because they have a lower roi you have to invest for longer. (duh) And then even if these are diverse and distributed investments the long term risk of there being some sort of market crash becomes very real (I'm guessing) So the overall risk is kinda the same :v: [editline]19th November 2017[/editline] I feel like I'm missing a key point of investing or something[/QUOTE] Look up the effect of compound interest.

It's an important concept yes, but it doesn't really address my points:P

[QUOTE=OrkO;52566025]My second medical school interview went really well I think! I'm really excited for my next three[/QUOTE] I've been accepted to three medical schools so far! I can hardly believe it -- I'm going to be a doctor!

Is retaking and replacing C grades a good or bad idea? I did really badly in my first semester, landing 3 Cs. My community college has a policy where that can be retaken, and for the purposes of GPA calculation, only the highest grade is utilized. But both are reported. Problem is I'm not sure how universities and med schools will look at such a thing. It might be better off for me to just leave those grades, and to instead just point to a GPA improvement trend.

Does anyone have some good time management skills? It's the one thing I'm bad at, and procrastinate badly. For example, I wouldn't have just written a 10 page paper on Moby-Dick the night before it was due if I hadn't procrastinated so much.

[QUOTE=bdd458;52911201]Does anyone have some good time management skills? It's the one thing I'm bad at, and procrastinate badly. For example, I wouldn't have just written a 10 page paper on Moby-Dick the night before it was due if I hadn't procrastinated so much.[/QUOTE] Part of procrastinating, and the mindset of procrastinating is down to your work process. For me, if I have a project I need to finish a week from now, I'll do my prelim work to get it ready, prepped, and organized in my head, then I wait til two days before and power through it in a slog of a work session. Why do I do that? Because that's just how my brain works. You could be similar. I've done plenty of projects and work outside of that "structure" and usually my work suffers from it. Something about planning and letting that plan just sit, and then rushing to execute something triggers my creativity, problem solving, and forces me to learn things in a new way that just "get project, do work, finish" for a week doesn't do for me. Procrastinating isn't "bad", it depends on how you do it, and how it feeds into your personal work structure and mental state. Though, whoever suggested Trello a few days ago(when I asked a similar question) was, and is a fucking [B]genius.[/B] That thing has made getting organized a breeze, which lets me do my particular work flow exactly as I want to.

[QUOTE=HumanAbyss;52912677]Part of procrastinating, and the mindset of procrastinating is down to your work process. For me, if I have a project I need to finish a week from now, I'll do my prelim work to get it ready, prepped, and organized in my head, then I wait til two days before and power through it in a slog of a work session. Why do I do that? Because that's just how my brain works. You could be similar. I've done plenty of projects and work outside of that "structure" and usually my work suffers from it. Something about planning and letting that plan just sit, and then rushing to execute something triggers my creativity, problem solving, and forces me to learn things in a new way that just "get project, do work, finish" for a week doesn't do for me. Procrastinating isn't "bad", it depends on how you do it, and how it feeds into your personal work structure and mental state. Though, whoever suggested Trello a few days ago(when I asked a similar question) was, and is a fucking [B]genius.[/B] That thing has made getting organized a breeze, which lets me do my particular work flow exactly as I want to.[/QUOTE] Ditto, I work the same. And that was me who suggested Trello. :smile:

Had a strange job interview, I was interviewing for a software developer position and the lady asked if there was a particular project that I really enjoyed working on. So I started talking about my capstone project which I developed as a combination between my profession; software, that supplemented my passion; art. As I kept talking she said she noticed how I really lit up when I started talking about art, and then asked, "Have you thought about other jobs?" Then we had a pleasant conversation about other opportunities I could take that better coincide with what I want to do instead of the job I was interviewing for. I don't know how to feel.

[QUOTE=genpung;52914333]Had a strange job interview, I was interviewing for a software developer position and the lady asked if there was a particular project that I really enjoyed working on. So I started talking about my capstone project which I developed as a combination between my profession; software, that supplemented my passion; art. As I kept talking she said she noticed how I really lit up when I started talking about art, and then asked, "Have you thought about other jobs?" Then we had a pleasant conversation about other opportunities I could take that better coincide with what I want to do instead of the job I was interviewing for. I don't know how to feel.[/QUOTE] Was she the hiring manager or a HR first round interview employee?

[QUOTE=Boss;52914940]Was she the hiring manager or a HR first round interview employee?[/QUOTE] According to her business card, Technical Recruiter.

[QUOTE=genpung;52915935]According to her business card, Technical Recruiter.[/QUOTE] Ok so she was the HR side of the business your interview report will be passed onto the hiring manager. She likely deviated when you mentioned your other interests because she has other roles she needs to fill! If this ever happens again there is no harm at the end of the interview asking for the job spec for these roles. As you'll likely have a separate interview for that role, it will have a different line manager. Suggest you chase up and ask about how the interview was received and what's the info on the other role.

Got into Temple U today! Glad to hear I can actually get into college

Yesterday I had an interview by committee for a Marketing Director position at a private school. They were impressed and offered me the job this morning! Definitely did not think this was the career path I would end up on when I decided not to go to college but I couldn't be happier.

Hii Everyone I Am New Login From Philippines

I have a question. I'm trying to find a job in a specific field i I have experience in but it's my first "real" job not working retail. I found online a bunch of companies hiring and I'm not sure if I should just send my CV to all of them and see who answers first, or should I only send it to one company, wait until they contact me, and then if they don't hire me then try another company and so on?

[QUOTE=Kero_;52962228]I have a question. I'm trying to find a job in a specific field i I have experience in but it's my first "real" job not working retail. I found online a bunch of companies hiring and I'm not sure if I should just send my CV to all of them and see who answers first, or should I only send it to one company, wait until they contact me, and then if they don't hire me then try another company and so on?[/QUOTE] applying to one company at a time would take forever shoot your load across everyone who is hiring

So I'm planning on studying in Germany, should I apply to university here in America and go with a study abroad program or should I try to apply for a German University? I've been saving up money for a year now but I don't know if I want to move there 100%. Getting a degree through study abroad should still count for something even if I move to another country right?

Well all European degrees are standardized and are pretty much universally accepted so that won't be a problem either way What other benefits does "study abroad" give you? (Curious because the US doesn't really financially aid students - why would they help students that don't even study inside the US)

[QUOTE=LennyPenny;52963814]Well all European degrees are standardized and are pretty much universally accepted so that won't be a problem either way What other benefits does "study abroad" give you? (Curious because the US doesn't really financially aid students - why would they help students that don't even study inside the US)[/QUOTE] Well the main benefit is that it's exactly like getting a regular degree in America, so I wouldn't have to take any more General Education classes because I'm going to be finished with my AA through Community College soon.

[QUOTE=LennyPenny;52963814]Well all European degrees are standardized and are pretty much universally accepted so that won't be a problem either way What other benefits does "study abroad" give you? ([B]Curious because the US doesn't really financially aid students - why would they help students that don't even study inside the US[/B])[/QUOTE] Eh not really. If you have good grades and low means there's quite a bit of aid available from the govt and schools. [QUOTE=Destroyox;52964189]Well the main benefit is that it's exactly like getting a regular degree in America, so I wouldn't have to take any more General Education classes because I'm going to be finished with my AA through Community College soon.[/QUOTE] I'm in the exact same position. The main downside really with Europe is transferrability of credits if you've got an AA (assuming language stuff is dealt with.) Me personally I plan on moving, but I'm largely planning on finishing my bachelors in America and doing PhD/MD education/work in another country, just for time-efficiency purposes. Albeit, I'm still gonna apply to a couple of places and see what they're willing to give me. Although it sounds like you may be expecting to do your degree through study-abroad, at an American university? I'm not entirely sure if that's what the program is for. It's something to send you over for a semester or two, and then the credits you earn are kept in America, but it usually is beneficial to your degree since it makes you look good. And if you actually do wind up fully wanting to move to Germany, having connections/friends will make it so much easier and safe.

[QUOTE=thelurker1234;52964829]The main downside really with Europe is transferrability of credits if you've got an AA (assuming language stuff is dealt with.) Me personally I plan on moving, but I'm largely planning on finishing my bachelors in America and doing PhD/MD education/work in another country, just for time-efficiency purposes. Albeit, I'm still gonna apply to a couple of places and see what they're willing to give me. Although it sounds like you may be expecting to do your degree through study-abroad, at an American university? I'm not entirely sure if that's what the program is for. It's something to send you over for a semester or two, and then the credits you earn are kept in America, but it usually is beneficial to your degree since it makes you look good. And if you actually do wind up fully wanting to move to Germany, having connections/friends will make it so much easier and safe.[/QUOTE] Yeah I get the degree in America but I can do semesters overseas. I figured having an American degree would still count for something, right?

Anybody have any advise for getting a job with good experience but no qualifications? Feels like I'm getting turned down everywhere although I've got 9 years solid in the defence industry through an apprenticeship. I've got an incredibly sexy CV, but most places just want me to submit via a form which takes all my presentation and work out of it, anybody had any success with LinkedIn?

[QUOTE=LennyPenny;52963814]Well all European degrees are standardized and are pretty much universally accepted so that won't be a problem either way What other benefits does "study abroad" give you? ([B]Curious because the US doesn't really financially aid students[/B] - why would they help students that don't even study inside the US)[/QUOTE] yes hi please don't say things that are literally false pell grants, stafford loans among others

[QUOTE=Destroyox;52964846]Yeah I get the degree in America but I can do semesters overseas. I figured having an American degree would still count for something, right?[/QUOTE] American degrees from decent schools are pretty well regarded, you don't really have to worry about that. If your goal at that point is to still move to Germany, there's two main paths I'm aware of. 1. If you have a desirable degree, you can get a job fairly easily that will get you a 4 year work visa, which you can eventually transition into permanent residency and citizenship. You'll want to have great German knowledge for this of course. or 2. Do post-graduate shit there. Like a masters or PhD. Those programs are much more often conducted in English than bachelors stuff too, so you'll find it a bit easier to find something you want to do if language is a concern. You still have to figure out funding, but there [URL="https://www.daad.org/en/find-funding/graduate-opportunities/study-scholarship/"]are scholarships[/URL]. That's aside from weird paths that you'll probably already be aware of if they apply to you, such as if nazis revoked your citizenship, you're married to a German, plan on starting a business, etc..

iirc Germany abolished tuition fees for everyone a few years ago so you have that going for you. There is not really many English-taught programs though, unlike places like the Netherlands, so you would probably need to learn good German.

It's precisely why I'm getting my minor in German.

[QUOTE=LordCrypto;52964920]yes hi please don't say things that are literally false pell grants, stafford loans among others[/QUOTE] Isn't pretty much anyone that goes to college in really heavy debt afterwards?