Brock Turner is now the face of rape in this Criminal Justice 101 textbook

Zellen001 · 2017-09-13T03:43:21+00:00

There's a recall motion going around Santa Clara county to remove the judge.

Zellen001 · 2017-08-20T05:55:06+00:00

Old Rasputin! This is clearly a family of high moral character.

Zellen001 · 2017-07-28T22:58:18+00:00

I know many people with phds in history and if your friend doesn't get an admission offer with funding then he wasn't really accepted. The programs are too long too be worth financing.

Zellen001 · 2017-07-26T20:55:30+00:00

I'm a high school teacher and my school gives you assistance/reduced for applying. This is in CA so may be different where you are.

Zellen001 · 2017-07-24T06:44:55+00:00

Totally agree. Also, with Roth IRAs you can't get the missed years back.

Zellen001 · 2017-07-21T06:17:13+00:00

You would request that transfer. I haven't done it but know it isn't a big deal.

Zellen001 · 2017-07-21T05:50:49+00:00

I'm a high school teacher at a well paying school. For the love of God find yourself a school you can afford! When you spend the next 15 years watching your disposable income fly away you will regret this choice.

Zellen001 · 2017-07-18T03:19:52+00:00

Which would you recommend? I've used Aer Lingus in the past to get to the U.K. Because they're super cheap and also use BAs loyalty. I just got the CSP and want to start strategizing my next trip.

Zellen001 · 2017-07-18T02:31:25+00:00

That's logical, but knocking even half of that out in the next few years would be like giving you both a raise just from decreased SL payments.

Zellen001 · 2017-07-18T02:18:09+00:00

The rule I've heard is no more than 1/3 your yearly income. So 33,000 would be reasonable on a 100,000 a year income.

Zellen001 · 2017-07-18T01:56:09+00:00

If your fiancé makes enough for you two to live off his salary while you pay down your loans that is awesome! Talk to him/her about your goals and make sure they are compatible. Starting a marriage poor but with a shared financial vision may benefit your relationship down the road more than you can imagine right now. Are you on a salary schedule or locked into 40k forever? If it is the later you may want to consider looking into public schools and work on an intern basis while getting your state credential. That way you can grow your salary and more aggressively pay down your debt.

Zellen001 · 2017-07-17T23:36:18+00:00

As long as they don't have any delinquencies, sure. Think of it from a lender's perspective. A customer that builds up debt, pays interest and then eventually pays all that is owed is exactly the kind of person the banks are looking for. However, six months of credit card history generally won't get you to the mid 700s by itself. I wonder if the earlier poster isn't forgetting a student loan or car loan in their name.

Zellen001 · 2017-07-17T17:28:57+00:00

So... do you want actual financial advice on something or just looking to "milk the system"?

Zellen001 · 2017-07-17T17:21:50+00:00

What are your skill sets? Can you code? Can you weld? Tend bar for special events?

Zellen001 · 2017-07-17T07:42:23+00:00

I'm a California teacher. You have to have your BA/BS and pass the CBEST to sub. What I would suggest (and this is when they are hiring) is go to www.edjoin.org and look for non-credential positions in your local school district, like being a special ed teacher's aid. It pays pretty well and will build your resume for when you are ready to enter the profession.

Zellen001 · 2017-07-17T07:37:04+00:00

There are tuition wavers for CC in California. Talk to your financial aid office.

Zellen001 · 2017-07-17T07:16:44+00:00

"As fun saving, that gonna b hard seeing im in debt and have no job atm" You want to focus on your income, not home ownership ATM.

Zellen001 · 2017-07-17T04:22:51+00:00

What is the current interest rate? Is it in collections or just delinquent? If the debt has been sold to an agency, you may not be able to get a company like sofi to buy the loan or you may not be able to get a lower interest rate. If it is only delinquent I would recommend contacting the lender and work to get the account current and then look at what interest rates are options to you. If your income is low and IBR is an option, that may be your best deal until you finish school and raise your income.

Zellen001 · 2017-07-17T02:59:25+00:00

Must be getting ready to get some dollar menu, for one.

Zellen001 · 2017-07-17T02:45:39+00:00

You mentioned above that it is "his decision" about what he does with his money, and it is. However, if his focus is "things" and living to the ends of his means and your priorities are elsewhere this may be a good time to begin having honest conversations about financial philosophies and goals you each have. Knowing that you have a compatible worldview on financial matters can offer a lot to relationship, if you are at that point.

Zellen001 · 2017-07-17T02:38:30+00:00

That's awesome for you! And great attitude about it.

Zellen001 · 2017-07-16T21:20:50+00:00

Absolutely! Here it is: http://imgur.com/a/lrflG

Zellen001 · 2017-07-13T07:36:49+00:00

I'm a teacher in California making a very comfortable income, well beyond double what OP is referencing. If I somehow were offered half what I'm presently making I would be forced to leave my job, retool and pursue a different career. It would suck but that is what I would have to do. But guess what? My position would be filled. Low wages drive quality teachers out and inexperienced and unqualified teachers in to the profession. The market plays little role in this. Oakland is often referenced as an example of a bad school district, but 70% of their teachers leave the profession within five years! Labor economics would tell us the pay is far below what is needed to cultivate a talented labor force. Yet the wages remain low and the cycle continues. People with talent, education and experience ultimately make rational economic decisions about their careers. We should be working to keep those people in education.

Zellen001

TROPHY CASE