I vote good advice. It's hard to know what to say but as someone who has gone through college, career and is now onto family life I can say that the best advice I can give to college bound students is... Work for the life you want to live.
It's great to focus on a career and agonize over the fit but at some point your life might change. It's impossible to know right away but a little planning goes a long way.
1. What kind of lifestyle do you want?
Material things important? Or is free time more valued? How much a year must you make to feel succesful?
2. Will this change when you have a family?
Will the career you chose transition into something that you can still have what you like and focus on raising a family or taking care of aging family members? Will you feel like you're missing out on life-stages if you have to spend more time working for the next level in your career?
3. How do you like to spend your free time?
Is this something you can marry into your work ideal?
(Keep in mind, for some people, separating work from non-work things is the only way to keep from becoming over stressed.)
Ultimately, depending on the lifestyle you'd like and where your focus is, you'll have to ask yourself if it's better to make money doing what you love or is it better to do something you're good at and enjoy your time off your own way.
I have been using http://yahoofinanceadvice.blogspot.com to manage my personal finances for a few months now. Its the easiest to use free, offline personal finance manager I have seen so far.
I can sell carbon credits for HALF of what any of those fly by night companies can! I do not have to support a jet set, huge house living lifestyle like Al Gore.
Send me an email and I can absolve you of all of your carbon sins for one low price.
Guaranteed results! Offer ends soon, shipping and handling not included!
Yum! I've heard of breakfast cookies elsewhere but, like you, I've been dissatisfied with the ingredients. This sounds great! I'm going to give it a go next Monday. Thanks!
We've just started using MoneyDance in the last few weeks and find it's working great. It's helped us a lot to have a summary of all our accounts in one place, as well as to communicate with each other about how we're spending or saving money.
This used to work on my vista. nasty new virus out so "I have 3 types of comp science degrees started programming at 18 in late 40s now. I am using an elevated command promtp it worked until now. Now no matter what I put in it stays at highly restricted. I need it deactivated to get my full browsing speed. I actualy spend 3-4 days useing regedit and litraly reprogram the os. Going to go see if can find a way turn this damned auto tuneing off I dont want it nor do I need auto tuneing. I prefer doing my own tuneing damn microsuck!
My dad was a sculptor, he breathed, ate, and slept it. But he made his living (small though it was) by teaching on the side. At one point he had four different jobs. We managed as a family, and it was an interesting ride, but I wouldn't want my kids to go through it.
It may be a less conventional way of handling it, but I worked after high school graduation, saved for several years, got scholarships and paid work during college and came out without debt. It takes longer but is much better in the end. Most of us don't know what we want to do with our lives at 18 anyway. As a family we save for our (used) car before replacement. We have never been in a position to buy a house. So we haven't, and we probably won't.
As a onetime telemarketer who hated the job, I have only one thing to say: The recession and its effects on the current workforce may, someday, put these writers in the unemployment line. When their qualifications are ignored by all, their wardrobes criticized, their faces and/or bodies scorned, they may find themselves at the door of the magazine crook, the siding contractor with a hidden agenda, the sellers of inflated and cheaply made vacuum cleaners, or the portrait vendors. Would they choose to decline the crooks, and take the lesser paid portrait job with no hope of meeting quota, a certain firing but a certain wage until then?
Then they might learn some courtesy and compassion, but I frankly doubt it. They'd take welfare before they would give human sympathy.
Sounds like a quick version of apple jack. Slicing the apples would not give all the flavour it could, but you could taste it in there. I would use the earlier recipe for it. post 211
How can you be so cheap? The mere thought of you only willingly supporting your child's hobbies if they are cheap for you is absolutely appalling. I understand the theme of this site, but this post is way off base. You need to seriously consider what these other people are saying about this post.
We have our money at a bank and a large mutual fund company, so I just keep track of our statements online. By simplifying where our money is, I don't need to rely on spreadsheets and such.
There are a lot of options for pottery classes. The Champaign Park district (mentioned above) has pottery classes, as does Boneyard Pottery in Urbana. I wouldn't be surprised if one or another of the school districts offered classes as well.
I didn't see any options for particularly cheap classes, though.
I wouldn't call Gary a "huckster" just because he's espousing the methods he used to get where he's at today. That's like calling any kind of coach or instructor a huckster because he's trying to pass on his knowledge to someone else.
I think GT makes a great point: this isn't for everyone. Not everyone can make it happen or even wants to make it happen. It's like starting a business—it takes a lot of work and dedication and even then it might not be a good fit for most people.
i was a cook on a ship in the army. 85ish. i dont really remember but one cook took a 15 gallon pot and filled with water.sliced apples.sugar and yeast. was forgotten about. few days later was inspection. the stinch gave it away dumbass officers didnt know what it was. POOR THAT **** OUT. IT STINKS. all i remember is 15 gall pot. what would be measurements of 4 ingredients?
There are three things that people generally go into debt to acquire: a car, an education, and a house. On top of that, people also acquire additional debt. Some unfortunate people go into debt due lack of health insurance or inadequate health insurance.
The pernicious thing about debt is that mismanaging, or even having debt can lead you into situations where you fall deeper into debt. Student loan debt can cause you to use credit cards, and thus, can lead to long-term credit card debt.
We need some real information about why people are in debt. Blaming it on greed or impulse spending or wanting something you can't afford seems simplistic.
Matt Kepnes "book" was a waste of money and I regret paying $27 for information that I could easily find on my own just by spending a few hours on Google. If you are lazy, then maybe this book is for you; however, travel blogging most certainly is not. He does a good job at outlining all the information but there is really not much else to the 37 page pamphlet. Charging $27 for this is straight robbery.
I can't say the book wasn't helpful to me at all. No, it certainly helped me realize who I didn't want to become in the blogging world, but I probably would have figured it out on my own in due time anyway.
Supposedly, there's this thing called a "debt gene" that has been blamed for some people's disposition for overspending. I can believe it. But the environment has a lot more to do with it, I think. If you grow up developing a mindset that borrowing is the way to go and that you need to own something right now (vs waiting till you can afford it), then you'll most likely be facing some financial challenges in your life. Your mindset needs to be readjusted so that you fear bad debt. I believe that feeling sufficiently uncomfortable about debt is a good thing.
"Four Pillars" hit the nail right on the proverbial head.
If 'what you love' happens to be a super-niche or over-saturated market with very little demand for your product/services, then you won't ever make a living at it, no matter how much you hustle.
I learned this the hard way. I love art. I thought I could make a living being a graphic designer. Oh, I got by for a while, but found out that in recessions, graphic artists are the first to be cut. In addition, the market has become over-saturated with graphic designers, causing wages to plummet. The few ads I do see for graphic designers are often advertising $8.00/hr wages. Cashiers at Home Depot make more than that. (which I also know, since i had to find SOMETHING in the meantime).
I wish I had NOT taken that glib advice of "Do what you love" back when I was in college, because 'just being passionate about it' doesn't always cut it.
Go to some of the recent immigrant blogs that are out there and you'll see quite a different sense of debt. Debt is considered very bad for everything but a house and even then most of them want to get that paid off quickly. Embracing debt at these levels is truly an American phenomenon. Its root comes in the notion that we deserve a certain lifestyle, whether we have earned it or not. Keeping up the Jones' mentality. Unfortunately, nobody said that the Jones' were broke.
Debt is simply the result of wanting things before you have the money to pay for them. The banks, auto dealers, mortgage brokers only made it easier and easier over time to fulfill this want.
Go back to when cars were bought in cash only. Then came 3 year loan with 30% down, then came 5 years with nothing down, then came the lease---not even owning it. Sure American companies did everything to create the desire, but Americans knowingly took on massive amounts of debt to fulfill their wants. Unfortunately, our government has exactly the same affliction and we will all be paying for it for the rest of our lifetimes.
I vote good advice. It's hard to know what to say but as someone who has gone through college, career and is now onto family life I can say that the best advice I can give to college bound students is... Work for the life you want to live.
It's great to focus on a career and agonize over the fit but at some point your life might change. It's impossible to know right away but a little planning goes a long way.
1. What kind of lifestyle do you want?
Material things important? Or is free time more valued? How much a year must you make to feel succesful?
2. Will this change when you have a family?
Will the career you chose transition into something that you can still have what you like and focus on raising a family or taking care of aging family members? Will you feel like you're missing out on life-stages if you have to spend more time working for the next level in your career?
3. How do you like to spend your free time?
Is this something you can marry into your work ideal?
(Keep in mind, for some people, separating work from non-work things is the only way to keep from becoming over stressed.)
Ultimately, depending on the lifestyle you'd like and where your focus is, you'll have to ask yourself if it's better to make money doing what you love or is it better to do something you're good at and enjoy your time off your own way.
I have been using http://yahoofinanceadvice.blogspot.com to manage my personal finances for a few months now. Its the easiest to use free, offline personal finance manager I have seen so far.
I can sell carbon credits for HALF of what any of those fly by night companies can! I do not have to support a jet set, huge house living lifestyle like Al Gore.
Send me an email and I can absolve you of all of your carbon sins for one low price.
Guaranteed results! Offer ends soon, shipping and handling not included!
Yum! I've heard of breakfast cookies elsewhere but, like you, I've been dissatisfied with the ingredients. This sounds great! I'm going to give it a go next Monday. Thanks!
The title suggests more than the article delivers. Really not useful. FAIL.
That fudge idea is great, as long as I don't eat ten pounds of it during the gifting!
John DeFlumeri Jr
We've just started using MoneyDance in the last few weeks and find it's working great. It's helped us a lot to have a summary of all our accounts in one place, as well as to communicate with each other about how we're spending or saving money.
This used to work on my vista. nasty new virus out so "I have 3 types of comp science degrees started programming at 18 in late 40s now. I am using an elevated command promtp it worked until now. Now no matter what I put in it stays at highly restricted. I need it deactivated to get my full browsing speed. I actualy spend 3-4 days useing regedit and litraly reprogram the os. Going to go see if can find a way turn this damned auto tuneing off I dont want it nor do I need auto tuneing. I prefer doing my own tuneing damn microsuck!
My dad was a sculptor, he breathed, ate, and slept it. But he made his living (small though it was) by teaching on the side. At one point he had four different jobs. We managed as a family, and it was an interesting ride, but I wouldn't want my kids to go through it.
It may be a less conventional way of handling it, but I worked after high school graduation, saved for several years, got scholarships and paid work during college and came out without debt. It takes longer but is much better in the end. Most of us don't know what we want to do with our lives at 18 anyway. As a family we save for our (used) car before replacement. We have never been in a position to buy a house. So we haven't, and we probably won't.
As a onetime telemarketer who hated the job, I have only one thing to say: The recession and its effects on the current workforce may, someday, put these writers in the unemployment line. When their qualifications are ignored by all, their wardrobes criticized, their faces and/or bodies scorned, they may find themselves at the door of the magazine crook, the siding contractor with a hidden agenda, the sellers of inflated and cheaply made vacuum cleaners, or the portrait vendors. Would they choose to decline the crooks, and take the lesser paid portrait job with no hope of meeting quota, a certain firing but a certain wage until then?
Then they might learn some courtesy and compassion, but I frankly doubt it. They'd take welfare before they would give human sympathy.
Sounds like a quick version of apple jack. Slicing the apples would not give all the flavour it could, but you could taste it in there. I would use the earlier recipe for it. post 211
How can you be so cheap? The mere thought of you only willingly supporting your child's hobbies if they are cheap for you is absolutely appalling. I understand the theme of this site, but this post is way off base. You need to seriously consider what these other people are saying about this post.
We have our money at a bank and a large mutual fund company, so I just keep track of our statements online. By simplifying where our money is, I don't need to rely on spreadsheets and such.
There are a lot of options for pottery classes. The Champaign Park district (mentioned above) has pottery classes, as does Boneyard Pottery in Urbana. I wouldn't be surprised if one or another of the school districts offered classes as well.
I didn't see any options for particularly cheap classes, though.
I wouldn't call Gary a "huckster" just because he's espousing the methods he used to get where he's at today. That's like calling any kind of coach or instructor a huckster because he's trying to pass on his knowledge to someone else.
I think GT makes a great point: this isn't for everyone. Not everyone can make it happen or even wants to make it happen. It's like starting a business—it takes a lot of work and dedication and even then it might not be a good fit for most people.
But it can be done.
The Writer's Coin | Follow me on Twitter
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Assuming that you love more than one thing, cross-check those against prevailing (and predicted) wages.
I did that with computers, computers been berry berry good to me.
i was a cook on a ship in the army. 85ish. i dont really remember but one cook took a 15 gallon pot and filled with water.sliced apples.sugar and yeast. was forgotten about. few days later was inspection. the stinch gave it away dumbass officers didnt know what it was. POOR THAT **** OUT. IT STINKS. all i remember is 15 gall pot. what would be measurements of 4 ingredients?
I look at it a little differently.
There are three things that people generally go into debt to acquire: a car, an education, and a house. On top of that, people also acquire additional debt. Some unfortunate people go into debt due lack of health insurance or inadequate health insurance.
The pernicious thing about debt is that mismanaging, or even having debt can lead you into situations where you fall deeper into debt. Student loan debt can cause you to use credit cards, and thus, can lead to long-term credit card debt.
We need some real information about why people are in debt. Blaming it on greed or impulse spending or wanting something you can't afford seems simplistic.
Matt Kepnes "book" was a waste of money and I regret paying $27 for information that I could easily find on my own just by spending a few hours on Google. If you are lazy, then maybe this book is for you; however, travel blogging most certainly is not. He does a good job at outlining all the information but there is really not much else to the 37 page pamphlet. Charging $27 for this is straight robbery.
I can't say the book wasn't helpful to me at all. No, it certainly helped me realize who I didn't want to become in the blogging world, but I probably would have figured it out on my own in due time anyway.
where I can find any pottery class?
Supposedly, there's this thing called a "debt gene" that has been blamed for some people's disposition for overspending. I can believe it. But the environment has a lot more to do with it, I think. If you grow up developing a mindset that borrowing is the way to go and that you need to own something right now (vs waiting till you can afford it), then you'll most likely be facing some financial challenges in your life. Your mindset needs to be readjusted so that you fear bad debt. I believe that feeling sufficiently uncomfortable about debt is a good thing.
SVB @ The Digerati Life
"Four Pillars" hit the nail right on the proverbial head.
If 'what you love' happens to be a super-niche or over-saturated market with very little demand for your product/services, then you won't ever make a living at it, no matter how much you hustle.
I learned this the hard way. I love art. I thought I could make a living being a graphic designer. Oh, I got by for a while, but found out that in recessions, graphic artists are the first to be cut. In addition, the market has become over-saturated with graphic designers, causing wages to plummet. The few ads I do see for graphic designers are often advertising $8.00/hr wages. Cashiers at Home Depot make more than that. (which I also know, since i had to find SOMETHING in the meantime).
I wish I had NOT taken that glib advice of "Do what you love" back when I was in college, because 'just being passionate about it' doesn't always cut it.
Go to some of the recent immigrant blogs that are out there and you'll see quite a different sense of debt. Debt is considered very bad for everything but a house and even then most of them want to get that paid off quickly. Embracing debt at these levels is truly an American phenomenon. Its root comes in the notion that we deserve a certain lifestyle, whether we have earned it or not. Keeping up the Jones' mentality. Unfortunately, nobody said that the Jones' were broke.
Debt is simply the result of wanting things before you have the money to pay for them. The banks, auto dealers, mortgage brokers only made it easier and easier over time to fulfill this want.
Go back to when cars were bought in cash only. Then came 3 year loan with 30% down, then came 5 years with nothing down, then came the lease---not even owning it. Sure American companies did everything to create the desire, but Americans knowingly took on massive amounts of debt to fulfill their wants. Unfortunately, our government has exactly the same affliction and we will all be paying for it for the rest of our lifetimes.