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| | The Graveyard Death Eater and Lord Voldemort Fan Club. Beware this bunch. | Vote for SS!
01-09-2008, 11:50 PM
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#251 (permalink)
| SS's Minister of Magic Founding GravediggerTriwizard Champion Niffler
Location: The Arctic Join Date: Jan 2005
Posts: 2,819
| What are these rewards you speak of? Could it be the $72,000 Sallie Mae bill I have? Anyone have an extra $72,000 I could have?
The thing is, once you graduate, unless you're lucky enough to have parents that paid your way through school, even if you become a doctor, the money you make is proportionate to the debt you have. No matter who you are or what your degree is in, if you have student loans, you're suffering when you graduate. |
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01-10-2008, 12:02 AM
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#252 (permalink)
| | Giant Squid
Location: Hogwarts Join Date: Jan 2007
Posts: 18,441
Hogwarts RPG Name: Macadrian A. Shackleton Graduated Ministry RPG Name:
Reagan F. Taylor Minister's Office | ^ That's mostly true. Although I got a bit lucky because I got scholarships in Undergrad so instead of having $175,000 debt, I only had $10,000. But now I am in dental school, my first year cost me $52,000 alone. This year I requalified as a CT resident and only had to pay $45,000. I'll pay that for the next 2 yrs too.
But, for me, it actually DOES pay off because I'll eventually be an endodontist or periodontist. The endodontist I shadow makes over $500,000 a year. So paying off my debts will be easy! Dentists have the highest payback rate of any "profession." (med vs. law vs. dent). Doctors have such a tough time paying things back bc insurance companies control medicine now, and by extension, the money docs make. Dentistry thankfully isn't like that!
But I suppose I am more the exception than the rule.... And Sissa's right, you still suffer while you pay them! LoL!
Last edited by lemondrop13 : 01-10-2008 at 12:03 AM.
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01-10-2008, 02:23 PM
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#253 (permalink)
| SS's Minister of Magic Founding GravediggerTriwizard Champion Niffler
Location: The Arctic Join Date: Jan 2005
Posts: 2,819
| My hygenist was explaining to me about insurance and all of that and how doctors pretty much screwed themselves by opting all in or something like that, basically having insurance cover everything and they get paid later, is what I took it to mean. Dentists, on the other hand, didn't do that which leaves a fair amount of the check with the patient so they get their money right away. Sucks for us, good for them! But medical doctors, especially OBGYN's pay, in some cases, more than what they make in a year (for part time) in malpractice insurance. My doctor alone pays about $64,000 a year in mal-p alone which shows how much he actually makes in a year but female doctors, if they wanted to work part time in order to raise a family, they couldn't because their mal-p insurance would be more than their annual income. I'm sure dentists pay mal-p but it's nowhere near what MDs have to pay.
It usually helps to have a worthwhile degree too! Mine is in English and it can be used in so many professions that it's near worthless. It's so broad it's worhtless, basically. Helps my writing and my speech loads but seeing as I'm working in accounting now, it's not really being worked to it's full potential. And no, I don't want to teach.
Last edited by SlytherinSissa : 01-10-2008 at 02:24 PM.
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01-10-2008, 02:51 PM
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#254 (permalink)
|  Buddha knows Rupie's Unconditional Love Faerie
Location: In A Leap Of Faith Join Date: Aug 2006
Posts: 4,150
| I've always been rather drawn to the teaching profession although if I'm perfectly honest, i don't like children. I know, an odd stance to take for a future Creative Writing or Fine Art Teacher, but I don't think I've ever had a teacher who truly enjoyed their job in all honesty. If I don't follow it up as a career, well actually I'm doing this anyway, I'll see about getting published and see where that takes me. Or I may even become a Librarian. Gah. I have too many dreams lol. |
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01-10-2008, 05:07 PM
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#255 (permalink)
| McFly <3's You Sectumsempra SphinxLPFC VP Dementor
Location: Here. Join Date: Dec 2007
Posts: 51,681
| Dont we all have too many dreams?  |
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01-10-2008, 05:41 PM
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#256 (permalink)
|  Buddha knows Rupie's Unconditional Love Faerie
Location: In A Leap Of Faith Join Date: Aug 2006
Posts: 4,150
| I think we do, hence why so many people have so much strife trying to achieve them. But it would be a poor world if nobody had dreams, as seems to be the case with many of my peers in my home town unfortunately. Their biggest fantasies seem to be children at a young age and a Council home  |
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01-10-2008, 05:49 PM
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#257 (permalink)
| McFly <3's You Sectumsempra SphinxLPFC VP Dementor
Location: Here. Join Date: Dec 2007
Posts: 51,681
| Naww.
True though without desires, dreams is like humans without hope.
Humans with no hope is a disaster. |
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01-11-2008, 12:04 AM
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#258 (permalink)
| Patils' HairdresserF&G's Quidditch Manager Roving Regulus Plimpy
Location: Noble House of Black Join Date: Dec 2007
Posts: 1,069
Hogwarts RPG Name: Alexandra Stuart Black Ministry RPG Name:
Stacy Emma Ross Magical Transportation | ** was in the area so I just popped in , to say hello to everyone***
It is said that dreams actually do mean something.. My mother has a book
on dreams and their meanings..And some of the dreams and meanings are
really interesting... |
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01-12-2008, 04:21 PM
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#259 (permalink)
| McFly <3's You Sectumsempra SphinxLPFC VP Dementor
Location: Here. Join Date: Dec 2007
Posts: 51,681
| I would love a book on that; It's mainly what I want to do when Im older. |
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01-12-2008, 05:19 PM
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#260 (permalink)
|   LM/MoM/FH/OCFC CoPres Hebrew Lang Mod SS Quill Journalist Spicy Jess Quintaped
Location: Pufferette town Join Date: Oct 2006
Posts: 29,652
Hogwarts RPG Name: Dominic N. Denton Fourth Year Ministry RPG Name:
Lorraine J. Brothmeister Magical Transportation | Talking about loans and such? I haven't had too much so far in my undergrad, just a couple thousand per year (which I know it does add up), but due to scholarships and whatnot, i was able to keep it reasonable. Unfortunately, for graduate school, it will be about $30,000 per year of loans that I need, so estimate that by the time I finish my schooling in 2010, then I'll have about $80,000 in loans to pay off.
the good news is that I'm a Physical Therapy major, so assuming that I get a job right out of school, then one of my loans the perkin's - I only have to make 3 payments on and then it will start deducting itself - the advantage of being in the medical profession.
Also, physical therapists are now starting at I think its around $70,000 per year, which should continue to rise, especially as the degree when most students leave is now doctorate. So even though I will have a ton of loans, within 5-10 years, I should have them paid off or down to a reasonable amount at least. |
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01-13-2008, 02:49 AM
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#261 (permalink)
|  Ministry RPG Mod Crypt Keeper HS/F&G President Giant Squid
Location: F&G's Party Join Date: Aug 2006
Posts: 18,485
Hogwarts RPG Name: Antonio Dumont Graduated Ministry RPG Name:
Samantha Rose Magical Education | Wow, the cost of education can be high. Both of you (Tiffanie and Jess) are entering good occupations, though, so I don't think you will have any problems with paying your loans back.
How is everyone's weekend going? |
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01-13-2008, 01:19 PM
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#262 (permalink)
| McFly <3's You Sectumsempra SphinxLPFC VP Dementor
Location: Here. Join Date: Dec 2007
Posts: 51,681
| The normal, *sighs*.
What about yours Linda? |
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01-13-2008, 01:50 PM
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#263 (permalink)
|  Buddha knows Rupie's Unconditional Love Faerie
Location: In A Leap Of Faith Join Date: Aug 2006
Posts: 4,150
| Lolz. My weekend is...well I'm getting plenty of sleep lol. *schnuggles into jer blanket* It's furrrr-eezing here so I'm just staying in bed with my hot water botty and my laptop  |
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01-13-2008, 02:15 PM
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#264 (permalink)
| | Giant Squid
Location: Hogwarts Join Date: Jan 2007
Posts: 18,441
Hogwarts RPG Name: Macadrian A. Shackleton Graduated Ministry RPG Name:
Reagan F. Taylor Minister's Office | My weekend is incredibly boring, spent studying the pathophysiology of the cardiovascular system... and then today at some point I need to complete a take-home midterm... gross. |
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01-13-2008, 02:59 PM
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#265 (permalink)
|  Buddha knows Rupie's Unconditional Love Faerie
Location: In A Leap Of Faith Join Date: Aug 2006
Posts: 4,150
| Erm....well have fun with that! I'll be thinking of you whilst in the middle of a Musical marathon long enough to make my eyes bleed  |
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01-13-2008, 03:08 PM
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#266 (permalink)
|  Ministry RPG Mod Crypt Keeper HS/F&G President Giant Squid
Location: F&G's Party Join Date: Aug 2006
Posts: 18,485
Hogwarts RPG Name: Antonio Dumont Graduated Ministry RPG Name:
Samantha Rose Magical Education | My weekend's been pretty good, I always get a lot of stuff done whether it's the weekend or a normal day. Sometimes, it would be good just to have a day of rest - gee, but I like to keep busy, I'd probably be bored if I wasn't! Today I want to check out a travel fair, they are giving away prizes like cruises and that sort of thing (only a few) and I want to try and enter and win something, plus there are travel discounts and tips so it's kind of fun. Then I need to take down and put away all my Christmas decorations in the storage room (since I was gone last weekend and working all week it kind of got neglected!)
Hope you guys are all having fun! |
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01-13-2008, 04:07 PM
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#267 (permalink)
| Wandering Regulus Hippogriff
Location: in nothingness Join Date: Dec 2007
Posts: 3,572
Hogwarts RPG Name: srimathi srivatsan | wow!!all the best!!  |
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01-13-2008, 04:47 PM
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#268 (permalink)
| | Giant Squid
Location: Hogwarts Join Date: Jan 2007
Posts: 18,441
Hogwarts RPG Name: Macadrian A. Shackleton Graduated Ministry RPG Name:
Reagan F. Taylor Minister's Office | Cheese ravioli are yuuuuuuuuummmmmy! But once they're gone, I have to start that midterm and that is yuuuuuuuuuucky
Linda - have you ever been on a cruise? They're so much fun! I hope you win one! |
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01-14-2008, 02:25 AM
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#269 (permalink)
|  Ministry RPG Mod Crypt Keeper HS/F&G President Giant Squid
Location: F&G's Party Join Date: Aug 2006
Posts: 18,485
Hogwarts RPG Name: Antonio Dumont Graduated Ministry RPG Name:
Samantha Rose Magical Education | Tiffanie - Yes, I have! And I agree, it's something everyone should do. It is surprising what a great value they are for the price, you get all your food, lodging and entertainment included, after all. I thought I would be bored, but that was far from the case. I'm ready to go again! (This was a cruise to the Mexican Riviera - we went to Acapulco, Puerto Vallarta, Zihuataneja and Cabo San Lucas, much to do in every port and it was so much fun!)
Cruises are a must do for everyone! |
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01-14-2008, 02:40 AM
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#270 (permalink)
| | Giant Squid
Location: Hogwarts Join Date: Jan 2007
Posts: 18,441
Hogwarts RPG Name: Macadrian A. Shackleton Graduated Ministry RPG Name:
Reagan F. Taylor Minister's Office | I completely intend to go on another cruise as soon as possible. Jeff and I had such a great time on our cruise to the Bahamas. It was beautiful and we had so much fun. We did an 18-mile bike ride around one of the islands and it was amazing. So beautiful! And then we went snorkeling at blue lagoon and took a bunch of underwater pictures. So much fun! I can't wait to go on another cruise, though I'm undecided where I want to go next! |
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01-14-2008, 03:35 PM
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#271 (permalink)
| McFly <3's You Sectumsempra SphinxLPFC VP Dementor
Location: Here. Join Date: Dec 2007
Posts: 51,681
| You guys are so lucky to even go away without parents! |
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01-14-2008, 04:42 PM
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#272 (permalink)
|  Buddha knows Rupie's Unconditional Love Faerie
Location: In A Leap Of Faith Join Date: Aug 2006
Posts: 4,150
| It's all part of getting old hun! You in effect become your own parent, and wait until your old enough and you become your parent's parents. Buddha knows that I feel like the head of the family on occasion, my parents being known to act more like teenagers than I ever had. |
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01-14-2008, 04:45 PM
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#273 (permalink)
| MacaroniLoves TomSnape is my man! Thestral
Location: Edward And JasperFan Join Date: Nov 2005
Posts: 38,226
Hogwarts RPG Name: Tia Marie Ivanov Seventh Year Ministry RPG Name:
Stacey-Ann Newton Department of Mysteries | hey everybody |
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01-14-2008, 04:51 PM
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#274 (permalink)
| McFly <3's You Sectumsempra SphinxLPFC VP Dementor
Location: Here. Join Date: Dec 2007
Posts: 51,681
| Haha, I think I could see that happening!
I cant wait to grow older though, sometimes Ive had enough of my family...
Rabbits  | |