http://groups.google.com/group/misc.consumers.frugal-living?hl=en
misc.consumers.frugal-living@googlegroups.com
Today's topics:
* LOVE Sterling Silver Jewelry? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/81c8e2405214ca80?hl=en
* Paper towels in rest-rooms? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0311d5c09a0dfa57?hl=en
* preparing meals ahead of time - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7febc7f7a48ea034?hl=en
* need advice on choosing a major - 20 messages, 6 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b0e5b7a504fc5e80?hl=en
* Apt Complex Laundry Facility or Portable, Compact Washer? - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cc45903df93c215d?hl=en
* (video) Bathroom break, by Jamie Kennedy. - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/fb49535b982185f5?hl=en
==============================================================================
TOPIC: LOVE Sterling Silver Jewelry?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/81c8e2405214ca80?hl=en
==============================================================================
== 1 of 1 ==
Date: Mon, Aug 27 2007 11:56 am
From: sonia.sandhu@gmail.com
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TOPIC: Paper towels in rest-rooms?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0311d5c09a0dfa57?hl=en
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== 1 of 1 ==
Date: Mon, Aug 27 2007 11:57 am
From: Wayne Sallee
The Real Bev wrote on 8/25/2007 1:08 AM:
> Wayne Sallee wrote:
>
>> A Veteran wrote on 8/23/2007 11:44 PM:
>> > not everyone washes their hands in the
>> > public toilets
>>
>> LOL That reminds me of a story about a school that set out to put a
>> stop to the girls putting kiss marks on the bathroom mirrors. They
>> brought all the students into the bathroom, and the janitor show them
>> how difficult it was to clean the kiss marks off of the mirror. :-)
>
> You missed the important part: he used the toilet-cleaning rag to clean
> the mirrors.
>
Yea, or the story I heard was that he stuck the
squigi in the toilet, and then proceeded to clean
the mirrors.
But I thought I would let the reader use their
imagination :-)
And of course there were no more kiss marks on the
mirrors after that :-)
Wayne Sallee
Webmaster@LeesburgNazarene.org
--
Posted via a free Usenet account from http://www.teranews.com
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TOPIC: preparing meals ahead of time
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7febc7f7a48ea034?hl=en
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== 1 of 1 ==
Date: Mon, Aug 27 2007 12:10 pm
From: "Rod Speed"
OhioGuy <none@none.net> wrote:
> Last night, I prepared twenty something meals ahead of time. One of
> my friends gets these meals and after eating them, they clean the
> paper things the meal came in out. I have meant to reuse them for
> some time, so I had a pile of them. They are just compressed paper
> with 3 compartments for different foods.
>
> I fixed a huge batch of mashed potatoes, and also had fish sticks,
> rice with meatballs, turkey nuggets, and several miscellaneous
> vegetables which I put in the packs.
>
> The only problem I have is sealing them. One of my friends suggested
> using plain old white glue, smearing it around the top, then laying
> reynolds wrap on it. That didn't work so great - the glue didn't set
> up or something - evidently I was worried about the food spoiling,
> and put it in the freezer before the glue could set up. I allowed it
> an hour and a half, but evidently that wasn't enough.
>
> My wife thinks we should just wrap the reynold's wrap around several
> times, but I think there must be a better way. Besides, I'd prefer to
> minimize how much of the plastic wrap we have to use.
> Has anyone done this sort of thing before? I'd like some suggestions. Thanks!
I use plastic containers with snap on plastic lids. They last a lot
longer and the lids are much easier than what you are attempting.
I think the commercial ones you are trying to reuse are
heat sealed and that isnt that easy for you to replicate.
==============================================================================
TOPIC: need advice on choosing a major
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b0e5b7a504fc5e80?hl=en
==============================================================================
== 1 of 20 ==
Date: Mon, Aug 27 2007 12:14 pm
From: "Rod Speed"
Chris Hill <hillco@earthlink.net> wrote:
> On Sun, 26 Aug 2007 20:48:30 -0700, s <s@mailinator.com> wrote:
>
>> I will be completing high school in May 08 and I will be 17 then.
>>
>> My interests lie in computing, management, law and biology. I realize
>> the aim in life should be to do something about one which is truly
>> passionate and where monetary compensation is fairly high.
>>
>> Can someone please advise how can I reach the 6 figure salary right
>> after college in areas like Binghamton, NY where the cost of living
>> is moderate?
>>
>> I realize I can finish a B.S. in Computer Science in three years at
>> 20, go for a Ph.D which can be done in another 4 years, then start
>> with a six figure salary as an Assistant Professor earning 100K or
>> atleast 95K at 24 if I manage to get a tenure track position by
>> publishing sufficiently in Ph.D. The advantages are job security as I
>> plan to go for State universities, high salary of 95-100K at 24-25 in
>> a area where cost of living is reasonable. The same method can be
>> adopted if I go for a B.S. in Management, then Ph.D in the same
>> field. Or, just a B.S. in Management, working for three years for a
>> reputed company, then a Management degree from the top 10 campuses
>> can make me eligible for the 100K range at 25.
>>
>> Getting a general B.S. degree, then a law degree from a good college
>> can lead me to 100K mark after finishing college.
>>
>> Some have advised me, I could take the pre-req classes for medicine,
>> take the MCAT, go to medical college for a surgeon degree at about 19
>> which hopefully can be done by the time I am 26. Then, I could start
>> at 100-125K in areas like Binghamton working for a hospital.
>>
>> Going for a Nursing degree(B.S.+M.S), then become a certified nursing
>> anesthetistic could enable me to start with 125K or so in an area
>> like Binghamton at the age of 25, if we consider I finish B.S.+ M.S
>> at same campus by 22, work for two years and then obtain the
>> certificate. The advantage is in this field stress seems to be
>> less(40-50hrs/week) as compared to other fields(70-80hrs/week) which
>> start with a six figure salary.
>>
>> Clearly, starting one's own business, entering politics, starting a
>> real estate business etc. are far more lucrative and can enable one
>> to reach a 7 figure income before he turns 30 assuming he knows
>> proper people and works correctly, but I want to reach the 6 figure
>> mark in middle twenties in a relatively stable way and starting
>> one's business looks dicy.
>>
>> http://www.mymoneyblog.com/archives/2007/02/do-you-make-a-six-figure-salary-share-your-story.html
>> seems to suggest lot of folks achieve the six figure mark and some
>> don't have a college degree, work as a truck driver, store manager
>> for a store like Walmart, Home Depot etc. Others are certified nurses
>> anesthetists, cops, etc. working for State/Fedetal/local govt.
>> clearing six figures at twenties or in the early thirties. Some are
>> valet managers and folks seem to suggest 150K is too less at
>> 31(though, it is debatable and depends on person's location etc.)
>> Some reached the six figure mark with a High School diploma and some
>> experience at 26.
>>
>> I am aware that only 10% of folks reach the six figure mark in U.S.
>> according to general reports, but considering that only 30% of the
>> population have a B.S. or above, it seems 1/3rd of the folks in our
>> country who have a degree earn in six figures and average household
>> income seems about 200K in an area like Binghamton for a family in
>> twenties having both members of family working, excluding other part
>> time jobs people do(blogging, selling items on ebay, creating sites
>> etc.)
>> but looking at the thread it seems people without a degree can also
>> make it. Obviously, people having their own businesses have 7 figure
>> revenues if it pans out well, which are not considered in calculating
>> the average salary, as it is a business revenue, rather than
>> salary(sort of fixed income).
>>
>> As this group has lot of folks who are experienced about many aspects
>> of life, how to be frugal in life I would sincerely appreciate any
>> advice.
>>
>> I have talked to my high school advisor and was advised most folks in
>> today's age with a proper
>> degree(medicine,law,nursing,sciences,IT,pharmacy etc.) reach the six
>> figure mark before they turn 30 and I should aim for that if I am
>> indeed interested in those fields.
>
>
> IT isn't how much you make, it is how much you get to keep. High
> paying fields often require large amounts of debt to get started. It
> only takes one good disabling injury to make such debt unpayable.
There arent that many that end up in that situation
tho, and you can insure against that unlikely possibility.
> Only go into such a field if you really love it. Also be aware that
> the competition in college will likely be different than it was in
> high school. I understood calculus in high school; numerical analysis
> in college computer science was quite difficult for me, but some
> people in the class understood it like it was a printed grocery list.
> Be sure you are as smart as you think you are before you commit to a major.
== 2 of 20 ==
Date: Mon, Aug 27 2007 12:56 pm
From: Ward Abbott
> I will be completing high school in May 08 and I will be 17 then.
Go to a college and get all your basics behind you. You are JUST a
child and soliciting total strangers on how to plan your life doesn't
begin to make sense.
You should be talking with your parents, clergy, high school
counselors and trusted adults, not opinionated self appointed usenet
buffoons.
== 3 of 20 ==
Date: Mon, Aug 27 2007 2:52 pm
From: PaPaPeng
On Mon, 27 Aug 2007 15:56:42 -0400, Ward Abbott <presby@terian.com>
wrote:
>> I will be completing high school in May 08 and I will be 17 then.
>
>
>Go to a college and get all your basics behind you. You are JUST a
>child and soliciting total strangers on how to plan your life doesn't
>begin to make sense.
>
>You should be talking with your parents, clergy, high school
>counselors and trusted adults, not opinionated self appointed usenet
>buffoons.
>
>
I hate to say this. The OP comes across as someone who wants to brag
to the whole world how clever and accomplished he is. A group of
total stragers whose common interest is frugality is hardly the place
to seek advice on academic options on how to make a six figure income
the fast track way.
== 4 of 20 ==
Date: Mon, Aug 27 2007 2:58 pm
From: s
Thanks for your reply.
> I will be completing high school in May 08 and I will be 17 then.
> > My interests lie in computing, management, law and biology. I realize
> > the aim in life should be to do something about one which is truly
> > passionate and where monetary compensation is fairly high.
>
> I've never agree with that last, I think its MUCH more important
> to choose something you like since you will be doing it for a long
> time, than to concentrate on fairly high monetary compensation.
That is why I stated "the aim in life should be to do something about
one which is truly passionate and where monetary compensation is
fairly high." Perhaps, I should have highlighted the AND. I also don't
intend to go into a field which I don't like for the sake of funds as
in any field to earn quite a bit, you need to be passionate about it,
for which you have to actually like the field.
> Its mad to be spending 40+ years doing what you dont like doing
> just because it produces a higher income. You'll be spending more
> of your hours doing that work than anything else in your life.
>
> > Can someone please advise how can I reach the 6 figure
> > salary right after college in areas like Binghamton, NY
> > where the cost of living is moderate?
>
> The only way to do that with any certainty is prostitution, literally.
I was not asking about assurances or certainity. I have met actual
folks who have done that and discussed this with my high school
advisor and those folks were faculties, doctors, lawyers from a good
university. Straight after college does not mean with a undergrad
degree as you seem to have interpreted. Going to get a B.S., then Ph.D
or medicine/law degree means you are still in college(perhaps, I
should have stated grad school to clarify, but still I explained how
others did that, getting a Ph.D, medicine degree, so cannot understand
why you jumped to that conclusion)
> > I realize I can finish a B.S. in Computer Science in three years
> > at 20, go for a Ph.D which can be done in another 4 years,
> > then start with a six figure salary as an Assistant Professor
> > earning 100K or atleast 95K at 24 if I manage to get a tenure
> > track position by publishing sufficiently in Ph.D.
>
> You wont get tenure straight out of college.
Typically, no one gets tenure after college. After a Ph.D, you can
start as a tenure track faculty which I what I stated. Tenure is
Associate Professor or Professor, Assistant Professor means tenure
track. I have met actual people who are like that after their Ph.D.
Again, you misunderstood me or perhaps what is difference between
tenure track and tenured faculty. You seem quite knowledgeable from
your other posts, though, in this and other groups.
> > The advantages are job security as I plan to go for State universities,
> > high salary of 95-100K at 24-25 in a area where cost of living is
> > reasonable. The same method can be adopted if I go for a B.S.
> > in Management, then Ph.D in the same field. Or, just a B.S. in
> > Management, working for three years for a reputed company,
> > then a Management degree from the top 10 campuses can
> > make me eligible for the 100K range at 25.
> > Getting a general B.S. degree, then a law degree from a
> > good college can lead me to 100K mark after finishing college.
>
> Unlikely.
I have met actual folks who have done that.
http://www.mymoneyblog.com/archives/2007/02/do-you-make-a-six-figure-salary-share-your-story.html
This link also provides some folks like that, though you have to read
it fully. Someone there states he was earning 120K after his Ph.D in a
management field.
>
> >http://www.mymoneyblog.com/archives/2007/02/do-you-make-a-six-figure-...
> > seems to suggest lot of folks achieve the six figure mark and some
> > don't have a college degree, work as a truck driver, store manager
> > for a store like Walmart, Home Depot etc. Others are certified
> > nurses anesthetists, cops, etc. working for State/Fedetal/local
> > govt. clearing six figures at twenties or in the early thirties.
>
> Doesnt mean that many/most manage that tho.
Well, if 10% of folks earn 100K or more and if only 30% have a B.S. or
above it means 33% of folks manage that and that is excluding folks in
small business/truck driver/store manager/real estate/stock market....
etc.
> > Obviously, people having their own businesses have 7 figure revenues
> > if it pans out well, which are not considered in calculating the average
> > salary, as it is a business revenue, rather than salary(sort of fixed income).
> > As this group has lot of folks who are experienced about many aspects
> > of life, how to be frugal in life I would sincerely appreciate any advice.
>
> Many of them are more interested in minimising
> their costs than producing that sort of income.
The primary aim of most businesses is to generate revenue while
keeping costs minimal. Walmart, Sams,Microsoft, Walgreens were not
just interested in keeping their costs low, but also expanding.
> > I have talked to my high school advisor and was advised most folks in today's
> > age with a proper degree(medicine,law,nursing,sciences,IT,pharmacy etc.)
> > reach the six figure mark before they turn 30 and I should aim for that if I
> > am indeed interested in those fields.
> > I hope I am not considered a mercenary.
>
> That is precisely what you are.
Again, you err. Each person is brought up in a different financial
situation. Without knowing the reasons for my desire you are hastily
concluding me to be a avaricious person. There are people in the world
who have to live with step parents, who consider such folks a pest/
burden etc. I did not want to bring out my issues as I wanted advice
on choosing a major, not describing my personal issues.
> > I was just trying to weigh my options, to
> > ensure I don't get into debt at a low salary.
>
> There arent just those two alternatives, 6 figure income straight
> out of college and a low income which makes it hard to avoid debt.
>
> And some debt isnt undesirable, most obviously with housing
> purchase that is much more frugal than renting most of the time.
You are correct, though borrowing some funds for education is not that
bad also IMHO.
Thanks for your advice and time. I wish you did not misunderstand me.
- Show quoted text -
== 5 of 20 ==
Date: Mon, Aug 27 2007 3:04 pm
From: s
Thanks for your reply.
> > My interests lie in computing, management, law and biology.
> You're in luck. Those are all good fields. And you can combine
> several of them. For example, computational biology is a great
> field. And of course you can do patent law relating to biology
> or computers.
Thanks, I did not know about such combinations from any of the folks I
talked to.
>
> > I realize
> > the aim in life should be to do something about one which is truly
> > passionate and where monetary compensation is fairly high.
>
> That's a good aim for a career, although that's not necessarily
> the same thing as an aim in life (although that may not really
> be what you meant).
Yes, that is what I wanted to state. It is aim for a career, not life,
though career is large part of a life.
> > Can someone please advise how can I reach the 6 figure salary right
> > after college in areas like Binghamton, NY where the cost of living is
> > moderate?
>
> I strongly advise against making a career decision by putting so much
> weight into how soon you can reach $100,000/yr. I advise against it
> for two reasons. The first is that while it's perfectly possible to achieve, you may
> find yourself stressed out and hating life, especially if you
> sacrifice other things of value to get there. I'd much rather have
> $80,000/yr and enjoy life than have $100,000/yr and hate it.
> The second reason I advise against it is that even if your goal is
> to make as much money as possible, for purely practical reasons you
> should potentially avoid optimizing for making the most money early
> in your career. You can't optimize for everything at once, and
> 24 or 25 is very early in your career. You need to be thinking
> in terms of decades, not just a few years. The best career is the
> one that has the best prospects over its entire course, not just
> at the beginning. Even if all you cared about was money, you should
> still be worrying about what has the most long-term growth potential,
> because believe me, it would be fairly frustrating to hit $100,000
> at age 25 and never be able to rise above that at age 45. There
> are even some careers where advancement isn't easy *and* older people
> tend to make less than younger people. In my opinion, that's something
> you want to account for in your planning.
Indeed. Obviously, I don't want to choose a career solely for
pecuniary gains. I am well aware of folks who do that, cannot progress
in that(due to lack of true interest) and then change fields. Hence, I
outlined my interests and then the earning potential.
> Whatever you decide to do, good luck. You have a lot of time ahead of
> you, and it sounds like you are motivated to do something worthwhile
> with it.
Thanks for your advice, time and wishes. I may have some time, but not
as much as I would like. Most of my classmates have planned all
details by now.
> - Logan
== 6 of 20 ==
Date: Mon, Aug 27 2007 3:17 pm
From: s
Thanks for the reply.
> Good answers for an interesting question. Judging from the skill
> level of the OP in forming a cogent post, the high school might be
> better than most.
Thanks for considering my high school a proper one.
> A couple of points to ponder:
>
> A salary is only one source of income. The person who minimizes
> expenses and maximizes investments can often reach retirement with
> more money than someone with a high salary and little financial
> discipline or savvy. Stories of janitors bequesting millions to
> schools might be rare, but they do exist.
Agreed, but to invest you need to have finances. As there are folks
who want to invest, but cannot do that as they have a family to
support, house, car loans. House is an investment, but not like real
estate, stocks, bonds other methods which you have well explained.
Hence, my desire to start with a decent salary and 100K is not that
high with inflation and deflation of dollar.
> Incurring huge debt at the beginning of a career can be
> counter-productive, especially if a change of careers is made
> midstream, or a life situation changes.
Agreed again, but I don't plan to change careers hence want to weigh
the choices, before I embark on the journey.
> I think that many high school grads get the cart before the horse. If
> I were to do it over, and I was going that general route...
>
> I would take courses on financial management and learn to understand
> the markets, economy, and effects of driving forces before anything
> else.
Well said again. But, courses on financial management can be taken in
college and those subjects can be studied with teachers also.
> I would play the online stock market games multiple ways until I lost
> the gambling urge or realized I needed someone else to make my
> investments.
This seems risky like playing poker online. Without understanding
ROI(Return of Investment) it seems improper for me to indulge in that
and presently I have no monetary means also for that.
> I would seek out and apprentice (for free) to the smartest people I
> could, in the fields of my interest, for at least four months per
> field.
For that you need to have chosen a field, after college, presumably.
And, I am not the only one in race. Lots of IT majors want to intern
in Microsoft, but they have to be the brightest to get there. An IT
major cannot intern there, even if he wants to volunteer.
> I would absolutely minimize expenses and begin a savings/investment
> program. I wouldn't give, donate, or tithe until I had reached a
> first financial goal.
Thanks again. But, minimize expenses can save you only certain extent.
The people who become financially independent are folks who have some
amount to invest.
> I would absolutely work at a job, no matter how low paying, just to
> learn the interactions and the bureaucracy.
That can be done, as a summer intern while at a college.
> Only after six months to a year of doing this would I consider
> investing money in college or finalizing career choice decisions.
But, that looks make you look like someone who could not make up his
mind and required 6-12 months to think over. Moreover, some grants
require you to join college promptly after high school(atleast that is
what I heard).
> Once I had finalized a career choice, I would be contacting potential
> employers before entering college, making the contacts and mining for
> information. By the end of the first year of college, I would have
> the top three employers scoped out and stay in regular contact until
> graduation.
Truly bright ideas. I will keep these in mind.
> I would stay single and refuse to even entertain the notion of a
> serious relationship, no matter how enticing.
Fully accurate. Not only is it time consuming at a stage of your life,
when career is important, but takes up economic resources also.
> I would pay serious attention to the dress codes of the successful,
> and any other social musts that they might teach by example.
Verily, wise suggestions.
> I would spend at least one week a year alone, camping and reflecting,
> without the distrations of tv, radio, cell phones, music, or all the
> other stuff that interrupts thoughts.- Hide quoted text -
I have already done that.
Thanks a lot for your advice and time.
== 7 of 20 ==
Date: Mon, Aug 27 2007 3:18 pm
From: "Don K"
"s" <s@mailinator.com> wrote in message
news:1188186510.932556.301160@57g2000hsv.googlegroups.com...
>I will be completing high school in May 08 and I will be 17 then.
>
> My interests lie in computing, management, law and biology. I realize
> the aim in life should be to do something about one which is truly
> passionate and where monetary compensation is fairly high.
>
> Can someone please advise how can I reach the 6 figure salary right
> after college in areas like Binghamton, NY where the cost of living is
> moderate?
Look up the median and spread of salaries in those fields vs. experience,
then realistically evaluate where your skills and drive would rank you
against the competition.
You can expect to match or exceed the median salary only if you can produce
better results than the average worker in that field, whether though ability
or hard work.
So one way to achieve your $$ goal is to be a genius who can easily do anything.
Or if you have more modest abilities, compensate by working 80 hour weeks.
More important than a specific targeted $$ salary is whether it will be
something you enjoy doing. Keep in mind that technology will probably
change several times over your career. What you learn in school will
not be exactly what you end up doing.
Don
== 8 of 20 ==
Date: Mon, Aug 27 2007 3:22 pm
From: s
Thanks for your reply.
On Aug 27, 10:48 am, rick++ <rick...@hotmail.com> wrote:
> Its hard to predict 4 or 6 years out.
> Many professions are cyclic. Business was in the toilet
> after the dot.com and Enron disasters, but booming now.
> Another example is medicine which is booming now. But
> should a change in the US governement bring it under
> stricter governement control and funding, it may not be as
> lucrative.
Agreed, I was seeking a estimate. We all know few things are certain
in today's world.
> My advice is choose something you love. Then try to be
> int he top quarter or tenth of the field. Then you'll probably
> always have job because very few fields have 90% unemployment.
> Doing something you love helps get throught the economically slow
> times.
Yes, I want to choose a field which I am actually passionate about.
Regarding being in the top quarter or tenth of a field seems dicy as
regardless of what I do, there could be people better than me(global
and local competition). I missed a rank at class, though I was quite
certain as some other fellow did better than me in an exam. I was at
the top 1%, but after the final fell out of that.
Thanks for your advice and time.
== 9 of 20 ==
Date: Mon, Aug 27 2007 3:26 pm
From: s
Thanks for your reply.
> My nephew took an aptitude test to make is career decision after an
> unproductive stint in the navy when he discovered he didn't want to
> live in a submarine. He decided to become an actuary to take advantage
> of his mathematical skills, but has put that on hold where he manages
> a statistical analysis team at an HMO.
>
> You aren't going to know what career you want and can qualify for
> until you get your undergraduate degree.
Maybe, but by the time I have got my B.S I have lost 3 years which is
a significant amount at any age(even assuming I get full scholarships
and living expenses are paid by some grant). Hence, the advice in high
school to be as clear as possible from the start. I fully appreciate
what you are stating that people change majors/careers, but also take
a impact due to it.
And even then you might want
> to go into the building trades. There is a big plus in having a
> licensed trade such as MD, nursing, plumbing, lawyer, etc. because of
> the ability to select the community you want to live in.
Can you please clarify what you intended by building trades and how
plumbing is included in that?
> Look at being a pharmacist because the pay is high, and working hours
> are normal. It also gives you a way to progress to an academic career.
Yes, though a certified nurse anesthetist looks similar.
Thanks for your advice and time.
== 10 of 20 ==
Date: Mon, Aug 27 2007 3:34 pm
From: s
Thanks for the reply.
> Eliminate all thoughts of the salary you want to make by the time you
> are X.
>
> Thats a road to unhappiness.
>
> If you want to be wealthy, learn how to manage your money.
Yes, but you need to have something saved to manage which people who
live from paycheck to paycheck find it difficult to do.
> And find out which profession will challenge you, excite you. Which
> profession will make you happy to come to work.
Amen. I want to choose a career which will interest me a lot.
> Thats the profession at which you will excel, and if you excel, you
> will make good money.
Well said. That is why I realize you need to choose a career which
needs to motivate you.
> If you pick a profession you end up hating, you will spend a lot of
> time and money in a lost cause, and then have to start over. Thats the
> worst outcome.
Agreed.
> Want to stay out of debt? Look at schools close by. Consider
> universities with co-op programs that alternate work and study
> sessions. Get a part time job while you go to school. Take a few years
> off to work before your first year.
Well, to get out of debt I was told to try for as many grants/
scholarships through Federal, state, local govt. etc, in addition to
the ones offered at a college.
> There are very few programs where you can go to school for 3 year,
> then make $100,000 right off the bat.
None, I know of in just three years of college. The ones I was
describing need atleast 6-7 years of college(which is fairly reputed).
>But you can work after your
> first degree, pay down your debt before your next degree. And if you
> get the right employer, you can take a part time Masters degree and
> get your employer to pay for it (mine does).
Yes, certain places like Envision credit union offer a reimbursement
policy where if you work for them full time, they reimburse you for
1-2 classes per semester. But, that would take a long time to take a
degree. Easier seems to get scholarships(obviously, if I manage to get
one)
Thanks for your reply and time.
== 11 of 20 ==
Date: Mon, Aug 27 2007 3:35 pm
From: Dennis
On Sun, 26 Aug 2007 20:48:30 -0700, s <s@mailinator.com> wrote:
>I will be completing high school in May 08 and I will be 17 then.
Right. And just a couple weeks ago, you were an IT worker with a safe
but underpaid government job who was trying to advise two teenage
charges with high ambitions who were nearing graduation.
I wonder who will you be next week?
What an odd troll.
Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally
== 12 of 20 ==
Date: Mon, Aug 27 2007 3:41 pm
From: s
Thanks for the reply.
> > I will be completing high school in May 08 and I will be 17 then.
>
> Go to a college and get all your basics behind you. You are JUST a
> child
Perhaps, I am not an adult yet, but a child at 16 seems odd to me?
> and soliciting total strangers on how to plan your life doesn't
> begin to make sense.
Is seeking advice improper at any age? Total strangers are from
different parts of world/country who don't to stand to gain anything
by giving me proper advice. Hence, I sought their advice.
> You should be talking with your parents, clergy, high school
> counselors and trusted adults, not opinionated self appointed usenet
> buffoons.
As I stated I spoke with folks in my area, high school advisors, but
thought few more opinions would only help. Trusted adults(I don't have
many) want me to mind their lawn business, work at their grocery
store, errand boy for them so that they don't have to hire someone.
Don't intend to disparage anyone, but even if I had proper folks to
guide me, I would only benefit from suggestions as I am doing by the
wise advice given to me, by all who replied to me. Little things about
life, finance, relations etc. are useful indeed. They are not
buffoons,IMHO, if they are attempting to aid someone as an volunteer.
Thanks for your advice and time.
== 13 of 20 ==
Date: Mon, Aug 27 2007 3:47 pm
From: s
Thanks for your reply.
> I hate to say this. The OP comes across as someone who wants to brag
> to the whole world how clever and accomplished he is.
What would I gain by bragging(assuming I have something to boast
about). I don't see anything I have to be proud of and I certainly did
not intend to trumpet. Where did I state I am clever or talented? I
don't know about you, but 90% of folks at my age in my school are in
the same situation and we are encouraged to seek advice from as many
folks as possible.
I regret you misunderstood me.
>A group of
> total stragers whose common interest is frugality is hardly the place
> to seek advice on academic options on how to make a six figure income
> the fast track way.
Agreed, they are group of total strangers, but folks whose common
interest is frugality have given me proper pointers on how to survive
college debt, general life advice and how to be frugal in life which
is quite important for anyone to start a college(or for that matter
most folks).
== 14 of 20 ==
Date: Mon, Aug 27 2007 3:53 pm
From: s
Thanks for your reply and time.
> Look up the median and spread of salaries in those fields vs. experience,
> then realistically evaluate where your skills and drive would rank you
> against the competition.
Yes, but gaining actual opinion from actual world people also helps,
rather than looking up statistics on the web.
> You can expect to match or exceed the median salary only if you can produce
> better results than the average worker in that field, whether though ability
> or hard work.
>
> So one way to achieve your $$ goal is to be a genius who can easily do anything.
Well, folks in that category are fairly bright(lawyers, doctors,
faculties etc), not a genius IMHO.
> Or if you have more modest abilities, compensate by working 80 hour weeks.
This will not work when I turn 40. Doing two jobs one person earning
50K in each job can reach the 100K, but it typically seems difficult.
> More important than a specific targeted $$ salary is whether it will be
> something you enjoy doing. Keep in mind that technology will probably
> change several times over your career. What you learn in school will
> not be exactly what you end up doing.
Unquestionably, I want to choose a field which I truly like and one
learns basics in college, which one needs to adapt to other
situations.
Thanks for your reply and time.
== 15 of 20 ==
Date: Mon, Aug 27 2007 4:00 pm
From: s
On Aug 27, 6:35 pm, Dennis <dg...@hotmail.com> wrote:
> On Sun, 26 Aug 2007 20:48:30 -0700, s <s...@mailinator.com> wrote:
> >I will be completing high school in May 08 and I will be 17 then.
>
> Right. And just a couple weeks ago, you were an IT worker with a safe
> but underpaid government job who was trying to advise two teenage
> charges with high ambitions who were nearing graduation.
Do you realize computers/Internet connection can be shared?
They can ALSO be used by your neighbours/friend's(and you also can use
your neighbour's/friend's/colleague')?
== 16 of 20 ==
Date: Mon, Aug 27 2007 4:10 pm
From: s
Thanks for your reply.
> You're in luck. Those are all good fields. And you can combine
> several of them. For example, computational biology is a great
> field. And of course you can do patent law relating to biology
> or computers.
>
> > I realize
> > the aim in life should be to do something about one which is truly
> > passionate and where monetary compensation is fairly high.
>
> That's a good aim for a career, although that's not necessarily
> the same thing as an aim in life (although that may not really
> be what you meant).
>
> > Can someone please advise how can I reach the 6 figure salary right
> > after college in areas like Binghamton, NY where the cost of living is
> > moderate?
>
> I strongly advise against making a career decision by putting so much
> weight into how soon you can reach $100,000/yr. I advise against it
> for two reasons.
>
> The first is that while it's perfectly possible to achieve, you may
> find yourself stressed out and hating life, especially if you
> sacrifice other things of value to get there. I'd much rather have
> $80,000/yr and enjoy life than have $100,000/yr and hate it.
>
> The second reason I advise against it is that even if your goal is
> to make as much money as possible, for purely practical reasons you
> should potentially avoid optimizing for making the most money early
> in your career. You can't optimize for everything at once, and
> 24 or 25 is very early in your career. You need to be thinking
> in terms of decades, not just a few years. The best career is the
> one that has the best prospects over its entire course, not just
> at the beginning. Even if all you cared about was money, you should
> still be worrying about what has the most long-term growth potential,
> because believe me, it would be fairly frustrating to hit $100,000
> at age 25 and never be able to rise above that at age 45. There
> are even some careers where advancement isn't easy *and* older people
> tend to make less than younger people. In my opinion, that's something
> you want to account for in your planning.
>
> Whatever you decide to do, good luck. You have a lot of time ahead of
> you, and it sounds like you are motivated to do something worthwhile
> with it.
Thanks for your wishes, advice and time. They are truly useful.
Somehow my first reply did not come through, please excuse me if this
is a repost.
> - Logan
== 17 of 20 ==
Date: Mon, Aug 27 2007 4:12 pm
From: s
Thanks for your reply.
> Thats the profession at which you will excel, and if you excel, you
> will make good money.
>
> If you pick a profession you end up hating, you will spend a lot of
> time and money in a lost cause, and then have to start over. Thats the
> worst outcome.
Yes, I will keep that in mind.
> Want to stay out of debt? Look at schools close by. Consider
> universities with co-op programs that alternate work and study
> sessions. Get a part time job while you go to school. Take a few years
> off to work before your first year.
Thanks for your advice and time.
>
> There are very few programs where you can go to school for 3 year,
> then make $100,000 right off the bat. But you can work after your
> first degree, pay down your debt before your next degree. And if you
> get the right employer, you can take a part time Masters degree and
> get your employer to pay for it (mine does).
>
> James- Hide quoted text -
>
> - Show quoted text -
== 18 of 20 ==
Date: Mon, Aug 27 2007 4:14 pm
From: s
On Aug 27, 3:56 pm, Ward Abbott <pre...@terian.com> wrote:
> > I will be completing high school in May 08 and I will be 17 then.
>
> Go to a college and get all your basics behind you. You are JUST a
> child and soliciting total strangers on how to plan your life doesn't
> begin to make sense.
>
> You should be talking with your parents, clergy, high school
> counselors and trusted adults, not opinionated self appointed usenet
> buffoons.
Thanks for your reply. Usenet people are not bufoons, but actual
people trying to aid someone for gratis which is commendable, IMHO. I
talked to folks in my high school and some actual people, but more
opinions from many people(who can be found on Usenet) is more useful.
== 19 of 20 ==
Date: Mon, Aug 27 2007 4:24 pm
From: Dennis
On Mon, 27 Aug 2007 23:00:32 -0000, s <s@mailinator.com> wrote:
>On Aug 27, 6:35 pm, Dennis <dg...@hotmail.com> wrote:
>> On Sun, 26 Aug 2007 20:48:30 -0700, s <s...@mailinator.com> wrote:
>> >I will be completing high school in May 08 and I will be 17 then.
>>
>> Right. And just a couple weeks ago, you were an IT worker with a safe
>> but underpaid government job who was trying to advise two teenage
>> charges with high ambitions who were nearing graduation.
>
>
>Do you realize computers/Internet connection can be shared?
>
>They can ALSO be used by your neighbours/friend's(and you also can use
>your neighbour's/friend's/colleague')?
>
>
Really? Do you also share your writing style, spelling quirks and
favorite phrases with your neighbors and friends?
Such a chummy group! LOL
Busted! I vote troll. (But a reasonably polite one. ;-)
Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally
== 20 of 20 ==
Date: Mon, Aug 27 2007 4:24 pm
From: "Rod Speed"
s <s@mailinator.com> wrote:
> Thanks for your reply.
No problem.
>>> I will be completing high school in May 08 and I will be 17 then.
>>> My interests lie in computing, management, law and biology. I
>>> realize the aim in life should be to do something about one which
>>> is truly passionate and where monetary compensation is fairly high.
>> I've never agreed with that last, I think its MUCH more important
>> to choose something you like since you will be doing it for a long
>> time, than to concentrate on fairly high monetary compensation.
> That is why I stated "the aim in life should be to do something about one
> which is truly passionate and where monetary compensation is fairly high."
I was referring to that 'where monetary compensation is fairly high' bit.
> Perhaps, I should have highlighted the AND.
I would still have said the same thing, and
it isnt necessarily even possible to have both.
> I also don't intend to go into a field which I don't like for the
> sake of funds as in any field to earn quite a bit, you need to be
> passionate about it, for which you have to actually like the field.
Sure, but I was essentially saying that your 6 figures straight out of college is
very unlikely to be achievable at the same time as liking the field, unless you
like almost all the alternatives available to you due to your high school results.
I'm essentially saying that it makes a lot more sense to choose something
you would be happy to do for free, even if that doesnt produce a 6 figure
income straight after college. And that it isnt the straight after college
income that matters, its actually the total over your working life.
>> Its mad to be spending 40+ years doing what you dont like doing
>> just because it produces a higher income. You'll be spending more
>> of your hours doing that work than anything else in your life.
>>> Can someone please advise how can I reach the 6 figure
>>> salary right after college in areas like Binghamton, NY
>>> where the cost of living is moderate?
>> The only way to do that with any certainty is prostitution, literally.
> I was not asking about assurances or certainity.
> I have met actual folks who have done that
It isnt that common at all.
> and discussed this with my high school advisor and those
> folks were faculties, doctors, lawyers from a good university.
I doubt too many of those actually told you that a 6 figure
income in your first real full time job is very likely at all.
> Straight after college does not mean with a
> undergrad degree as you seem to have interpreted.
No, I meant after the formal education, in the first real full time job after that.
> Going to get a B.S., then Ph.D or medicine/law degree means you are still in college
Yes.
> (perhaps, I should have stated grad school to clarify, but still
> I explained how others did that, getting a Ph.D, medicine degree,
> so cannot understand why you jumped to that conclusion)
I didnt jump to any conclusion and was discussing what you were discussing.
>>> I realize I can finish a B.S. in Computer Science in three years at
>>> 20, go for a Ph.D which can be done in another 4 years, then start
>>> with a six figure salary as an Assistant Professor> earning 100K
And this is where its completely clear what you meant time of 6 figure income wise.
>>> or atleast 95K at 24 if I manage to get a tenure
>>> track position by publishing sufficiently in Ph.D.
>> You wont get tenure straight out of college.
> Typically, no one gets tenure after college. After a Ph.D, you
> can start as a tenure track faculty which I what I stated. Tenure is
> Associate Professor or Professor, Assistant Professor means tenure
> track. I have met actual people who are like that after their Ph.D.
It isnt that common at all anymore.
> Again, you misunderstood me or perhaps what is
> difference between tenure track and tenured faculty.
Nope, again, you have got my position completely wrong.
> You seem quite knowledgeable from your
> other posts, though, in this and other groups.
>>> The advantages are job security as I plan to go for State universities,
>>> high salary of 95-100K at 24-25 in a area where cost of living is
>>> reasonable. The same method can be adopted if I go for a B.S.
>>> in Management, then Ph.D in the same field. Or, just a B.S. in
>>> Management, working for three years for a reputed company,
>>> then a Management degree from the top 10 campuses can
>>> make me eligible for the 100K range at 25.
>>> Getting a general B.S. degree, then a law degree from a
>>> good college can lead me to 100K mark after finishing college.
>> Unlikely.
> I have met actual folks who have done that.
I said UNLIKELY, not impossible.
> http://www.mymoneyblog.com/archives/2007/02/do-you-make-a-six-figure-salary-share-your-story.html
> This link also provides some folks like that,
Trouble is that its impossible to actually check the claim made there.
> though you have to read it fully. Someone there states he
> was earning 120K after his Ph.D in a management field.
Easy to claim, lot harder to actually substantiate the claim.
And I doubt that was immediately after completing the PhD.
>>> http://www.mymoneyblog.com/archives/2007/02/do-you-make-a-six-figure-...
>>> seems to suggest lot of folks achieve the six figure mark and some
>>> don't have a college degree, work as a truck driver, store manager
>>> for a store like Walmart, Home Depot etc. Others are certified
>>> nurses anesthetists, cops, etc. working for State/Fedetal/local
>>> govt. clearing six figures at twenties or in the early thirties.
>> Doesnt mean that many/most manage that tho.
> Well, if 10% of folks earn 100K or more and if only 30% have a B.S. or
> above it means 33% of folks manage that and that is excluding folks in
> small business/truck driver/store manager/real estate/stock market....etc.
Thats not the same thing as 6 figures straight after college
in the sense that you mean straight after college tho.
Yes, its much more feasible when you are talking about the
maximum income they ever manage, but you werent saying that.
>>> Obviously, people having their own businesses have 7 figure
>>> revenues if it pans out well, which are not considered in
>>> calculating the average salary, as it is a business revenue,
>>> rather than salary(sort of fixed income). As this group has
>>> lot of folks who are experienced about many aspects of life,
>>> how to be frugal in life I would sincerely appreciate any advice.
>> Many of them are more interested in minimising
>> their costs than producing that sort of income.
> The primary aim of most businesses is to generate revenue while
> keeping costs minimal. Walmart, Sams,Microsoft, Walgreens were
> not just interested in keeping their costs low, but also expanding.
How most do their personal situation is quite different to that.
Its only a small subset that choose to live frugally.
>>> I have talked to my high school advisor and was advised
>>> most folks in today's age with a proper degree(medicine,
>>> law,nursing,sciences,IT,pharmacy etc.) reach the six
>>> figure mark before they turn 30 and I should aim for
>>> that if I am indeed interested in those fields.
>>> I hope I am not considered a mercenary.
>> That is precisely what you are.
> Again, you err.
Nope, havent erred once.
> Each person is brought up in a different financial situation.
Irrelevant to whether you are a mercenary.
> Without knowing the reasons for my desire you are
> hastily concluding me to be a avaricious person.
I didnt even mention avaricious, I clearly said mercenary.
The two words have different meanings.
> There are people in the world who have to live with step
> parents, who consider such folks a pest/burden etc.
That does not mean that you actually need a 6 figure income
straight out of college in your sense, its quite feasible to live
quite well on a decent 5 figure income in that situation.
> I did not want to bring out my issues as I wanted advice
> on choosing a major, not describing my personal issues.
It is however relevant to the desire for a 6 figure income
straight out of college in your sense. That stuff about
the step parents isnt relevant to that. A decent 5 figure
income straight out of college would be quite adequate
and that is likely to be better in the long term because
you are more likely to be able to find something you
enjoy doing more if you dont need the 6 figure income
straight out of college.
There's plenty of fields that wont deliver that straight out
of college and those that do often have other undesirable
associated things as a result of that 6 figure income.
A good example of that is the legal system where there
are real downsides in legal jobs that pay people just out
of college that much. It would make a lot more sense to
avoid that type of legal employment just because few
actually enjoy that very demanding situation for long.
>>> I was just trying to weigh my options, to
>>> ensure I don't get into debt at a low salary.
>> There arent just those two alternatives, 6 figure income straight
>> out of college and a low income which makes it hard to avoid debt.
>> And some debt isnt undesirable, most obviously with housing
>> purchase that is much more frugal than renting most of the time.
> You are correct, though borrowing some funds for education is not that bad also IMHO.
Sure, particularly with the rather generous repayment conditions available with those.
> Thanks for your advice and time. I wish you did not misunderstand me.
I didnt misunderstand anything you said.
==============================================================================
TOPIC: Apt Complex Laundry Facility or Portable, Compact Washer?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cc45903df93c215d?hl=en
==============================================================================
== 1 of 1 ==
Date: Mon, Aug 27 2007 1:19 pm
From: Binyamin Dissen
On Tue, 21 Aug 2007 20:08:49 -0400 "Lou" <lpogodajr292185@comcast.net> wrote:
:>"Shawn Hirn" <srhi@comcast.net> wrote in message
:>news:srhi-F6EE5F.04080821082007@newsgroups.comcast.net...
:>> In article <Xns9992DBC5EAA9B5x55x5@207.115.33.102>,
:>> Five By Five <5x5@5x5.com> wrote:
:>> > I am in the market for buying a compact/mini washer, probably a small
:>> > version of the front-loading Bosch, weighted more towards product
:>> > quality/reliability/durability than in just finding the cheapest price
:>and
:>> > in risking known warranty hassles. What experiences and/or information
:>do
:>> > you have?
:>> Good luck with your search. Before you spend much time with this, check
:>> your apartment lease. Some landlords do not allow their tenants to use a
:>> clothes washer in the apartment.
:>> As for how much of a cost savings you would experience with a new
:>> washer, I suppose it depends on how much you would spend to use coin
:>> operated washers and how much electricity costs you.
:>As a first approximation, you'll probably save some money. The coin-op
:>washer is going to have all the expenses your own does (electricity, water,
:>wear and tear) plus a profit for whoever provides the washer. At the very
:>least, it seems like you'd save the profit, provided you get a reasonably
:>priced, appropriately sized, machine.
There is also the opportunity cost of the washer, and possible repairs.
A lot depends on how often one does laundry, and how much it is worth having
the convenience.
--
Binyamin Dissen <bdissen@dissensoftware.com>
http://www.dissensoftware.com
Should you use the mailblocks package and expect a response from me,
you should preauthorize the dissensoftware.com domain.
I very rarely bother responding to challenge/response systems,
especially those from irresponsible companies.
==============================================================================
TOPIC: (video) Bathroom break, by Jamie Kennedy.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/fb49535b982185f5?hl=en
==============================================================================
== 1 of 1 ==
Date: Mon, Aug 27 2007 2:00 pm
From: "Robert"
"Frank" <erty@home.com> wrote in message news:46d31bb0@clear.net.nz...
> what is this shit
>
>
>
>
> <useful_infos@yahoo.com> wrote in message
> news:1188218102.927703.280780@57g2000hsv.googlegroups.com...
> See it via http://Muvy.org
>
>
well, if you take a minute and click the link, you see a video of Jamie k,
asking people out of the pool so he can go to a bathroom break, but he goes
and "acts" like he is using it in the pool, not a proper bathroom.
==============================================================================
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