2013년 11월 26일 화요일

오후 12:06

By Ashely Napoles



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About 'rising debt'|Risk of a default on Treasury debt rising by the hour







About 'rising debt'|Risk of a default on Treasury debt rising by the hour








Ｓｔｕｄｅｎｔ               ｌｏａｎｓ,               ｆｏｒ               ｍａｎｙ,               ａｒｅ               ａｎ               ｕｎｆｏｒｔｕｎａｔｅ               ｒｅｓｕｌｔ               ｏｆ               ｐｕｒｓｕｉｎｇ               ａ               ｈｉｇｈｅｒ               ｅｄｕｃａｔｉｏｎ.

Ｉ               ａｍ               ｉｎ               ｍｙ               ｓｅｃｏｎｄ               ｓｅｔ               ｏｆ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ;               Ｉ               ｐａｉｄ               ｏｆｆ               ｔｈｅ               ｌｏａｎｓ               (ａｂｏｕｔ               $25,000)               ｆｒｏｍ               ｗｈｅｎ               Ｉ               ｓｏｕｇｈｔ               ａ               Ｂａｃｈｅｌｏｒ'ｓ               Ｄｅｇｒｅｅ               ｉｎ               Ｅｎｇｌｉｓｈ               ｆｒｏｍ               Ａｒｃａｄｉａ               Ｕｎｉｖｅｒｓｉｔｙ               (ｔｈｅｎ               Ｂｅａｖｅｒ               Ｃｏｌｌｅｇｅ).

Ｎｏｗ               Ｉ               ａｍ               ｉｎ               ｔｈｅ               ｐｒｏｃｅｓｓｉｎｇ               ｏｆ               ｐａｙｉｎｇ               ｏｆｆ               ａｎｏｔｈｅｒ               ｓｅｔ               ｏｆ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ,               ａｃｑｕｉｒｅｄ               ｗｈｅｎ               Ｉ               ｓｏｕｇｈｔ               (ａｎｄ               ｅａｒｎｅｄ)               ａ               Ｍａｓｔｅｒｓ               ｏｆ               Ｂｕｓｉｎｅｓｓ               Ａｄｍｉｎｉｓｔｒａｔｉｏｎ               ｆｒｏｍ               Ｖｉｌｌａｎｏｖａ               Ｕｎｉｖｅｒｓｉｔｙ.

Ｉ               ｐａｉｄ               ｏｆｆ               ｍｙ               ｆｉｒｓｔ               ｓｅｔ               ｏｆ               ｌｏａｎｓ               ｂｙ               ｐａｙｉｎｇ               ａｔ               ｌｅａｓｔ               ｔｈｅ               ｍｉｎｉｍｕｍ               ｄｕｅ               ｅｖｅｒｙ               ｍｏｎｔｈ.

Ｔｈａｔ               ｓｏｕｎｄｓ               ｌｉｋｅ               ａｎ               ｏｂｖｉｏｕｓ               ｓｔｒａｔｅｇｙ,               ｂｕｔ               ｉｎ               ｃｏｎｖｅｒｓａｔｉｏｎ               ｗｉｔｈ               ｓｏｍｅ               ｐｅｏｐｌｅ,               Ｉ'ｖｅ               ｆｏｕｎｄ               ｔｈａｔ               ｉｔ               ｉｓｎ'ｔ               ｎｅｃｅｓｓａｒｉｌｙ               ｏｂｖｉｏｕｓ               ｔｏ               ｅｖｅｒｙｏｎｅ.
               Ｓｏ,               ｒｕｌｅ               ｏｎｅ:               Ｐａｙ               ｏｆｆ               ａｔ               ｌｅａｓｔ               ｔｈｅ               ｍｉｎｉｍｕｍ               ａｍｏｕｎｔ               ｄｕｅ               ｏｎ               ｅａｃｈ               ｌｏａｎ,               ｅａｃｈ               ａｎｄ               ｅｖｅｒｙ               ｍｏｎｔｈ,               ｓｏ               ｔｈａｔ               ｙｏｕ               ａｖｏｉｄ               ｌａｔｅ               ｆｅｅｓ               ａｎｄ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｉｎｃｒｅａｓｅｓ.

Ｍａｎｙ               ｌｅｎｄｅｒｓ               ａｌｓｏ               ｒｅｄｕｃｅ               ｙｏｕｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ａｆｔｅｒ               ａ               ｓｐｅｃｉｆｉｃ               ｎｕｍｂｅｒ               ｏｆ               ｏｎ-ｔｉｍｅ               ｐａｙｍｅｎｔｓ,               ｓｏ               ｉｔ'ｓ               ｅｖｅｎ               ｍｏｒｅ               ｃｒｉｔｉｃａｌ               ｔｏ               ｍａｋｅ               ｓｕｒｅ               ｙｏｕ               ａｌｗａｙｓ               ｈａｖｅ               ｅｎｏｕｇｈ               ｆｏｒ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｐａｙｍｅｎｔ               ａｎｄ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｍｏｎｔｈ               ａｓ               ｗｅｌｌ.

Ｔｈｅｒｅ'ｓ               ａ               ｐａｒｔ               "Ｂ"               ｔｏ               ｔｈｉｓ               ｒｕｌｅ:               ａｕｔｏ-ｄｒａｆｔ               ｙｏｕｒ               ｐａｙｍｅｎｔｓ               ｔｏ               ｔｈｅ               ｌｅｎｄｅｒ               ｔｏ               ｈｅｌｐ               ｍａｋｅ               ｓｕｒｅ               ｙｏｕ               ａｒｅ               ｎｅｖｅｒ               ｌａｔｅ.

Ｂｏｎｕｓ:               ｍａｎｙ               ｌｅｎｄｅｒｓ               ｇｉｖｅ               ａ               ｓｍａｌｌ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｒｅｄｕｃｔｉｏｎ               ｆｏｒ               ａｕｔｏ-ｄｒａｆｔ               ｐａｙｍｅｎｔｓ.
               Ｒｕｌｅ               ｔｗｏ:               Ｐａｙ               ａｈｅａｄ               ｏｎｌｙ               ｉｆ               ｙｏｕ               ａｒｅ               ｓｕｒｅ               ｙｏｕ               ｗｉｌｌ               ｂｅ               ａｂｌｅ               ｔｏ               ｍａｋｅ               ｙｏｕｒ               ｒｅｇｕｌａｒ               ｐａｙｍｅｎｔ               ｎｅｘｔ               ｍｏｎｔｈ               ｔｏｏ.

Ｉｆ               ｙｏｕ               ａｒｅ               ｏｎ               ａ               ｂｕｄｇｅｔ               -               ａｓ               ｍａｎｙ               ｏｆ               ｕｓ               ａｒｅ               -               ａｎｄ               ｙｏｕ               ｆｉｎｄ               ｙｏｕｒｓｅｌｆ               ｗｉｔｈ               ｅｎｏｕｇｈ               ｅｘｔｒａ               ｍｏｎｅｙ               ｔｏ               ｐａｙ               ｎｅｘｔ               ｍｏｎｔｈｓ'               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｐａｙｍｅｎｔｓ....

Ｄｏｎ'ｔ               ｄｏ               ｉｔ,               ｐａｒｔｉｃｕｌａｒｌｙ               ｉｆ               ｙｏｕｒ               ｉｎｃｏｍｅ               ｆｌｕｃｔｕａｔｅｓ               ｆｒｏｍ               ｍｏｎｔｈ               ｔｏ               ｍｏｎｔｈ.

Ｆｒｉｅｎｄｓ               ｈａｖｅ               ｃｏｍｐｌａｉｎｅｄ               ｔｏ               ｍｅ               ｔｈａｔ               ｓｏｍｅｔｉｍｅｓ               ｔｈｅｙ               ｈａｖｅ               ｍａｄｅ               ａ               "ｄｏｕｂｌｅ               ｐａｙｍｅｎｔ"               ａｎｄ               ｔｈｏｕｇｈｔ               ｔｈａｔ               ｄｏｉｎｇ               ｓｏ               ｗｏｕｌｄ               ｍｅａｎ               ｔｈｅｙ               ｄｉｄｎ'ｔ               ｈａｖｅ               ｔｏ               ｐａｙ               ｎｅｘｔ               ｍｏｎｔｈ.

Ｔｈａｔ               ｉｓ               ｎｏｔ               ｔｈｅ               ｃａｓｅ;               ｐａｙｉｎｇ               ａ               ｍｏｎｔｈ               ａｈｅａｄ               ｄｏｅｓｎ'ｔ               ａｌｌｅｖｉａｔｅ               ｙｏｕｒ               ｒｅｓｐｏｎｓｉｂｌｉｔｙ               ｔｏ               ｍａｋｅ               ａｎｏｔｈｅｒ               ｒｏｕｎｄ               ｏｆ               ｐａｙｍｅｎｔｓ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｍｏｎｔｈ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               ｅｎｏｕｇｈ               ｆｏｒ               ａｎｏｔｈｅｒ               ｍｏｎｔｈ'ｓ               ｐａｙｍｅｎｔ,               ｐｕｔ               ｉｔ               ｉｎｔｏ               ｓａｖｉｎｇｓ,               ｂｅｃａｕｓｅ               ｉｆ               ｙｏｕｒ               ｉｎｃｏｍｅ               ｓｕｄｄｅｎｌｙ               ｉｓ               ｒｅｄｕｃｅｄ,               ｔｈｉｓ               ｗａｙ               ｙｏｕ               ｃａｎ               ｇｅｔ               ｔｈａｔ               ｐａｙｍｅｎｔ               ｉｎ               ｂｙ               ｕｓｉｎｇ               ｔｈｅ               ｍｏｎｅｙ               ｄｅｓｉｇｎａｔｅｄ               ｆｏｒ               ｉｔ               ｆｒｏｍ               ｓａｖｉｎｇｓ,               ｗｈｉｌｅ               ｒｅｑｕｅｓｔｉｎｇ               ａ               ｌｏａｎ               ｄｅｆｅｒｍｅｎｔ               ｏｒ               ｆｏｒｂｅａｒａｎｃｅ,               ｉｆ               ｎｅｅｄｅｄ.
               Ｒｕｌｅ               ｔｈｒｅｅ:               Ｗｈｅｎ               ｙｏｕ               ｈａｐｐｅｎ               ｔｏ               ｇｅｔ               ｅｘｔｒａ               ｍｏｎｅｙ,               ｐｅｒｈａｐｓ               ａｓ               ａ               ｇｉｆｔ,               ａ               ｔａｘ               ｒｅｆｕｎｄ,               ｏｒ               ａｎｙ               ｏｔｈｅｒ               ｓｏｕｒｃｅ,               ｄｏｎ'ｔ               ｒｕｓｈ               ｏｕｔ               ａｎｄ               ｓｐｅｎｄ               ｔｈａｔ               ｍｏｎｅｙ               ｏｎ               ｆｒｉｖｏｌｉｔｉｅｓ.

Ｓｕｒｅ,               ｉｔ'ｓ               ｎｉｃｅ               ｔｏ               "ｔｒｅａｔ"               ｙｏｕｒｓｅｌｆ               ｓｏｍｅｔｉｍｅｓ,               ｂｕｔ               ｃｏｎｓｉｄｅｒ               ｔｈａｔ               ｐａｙｉｎｇ               ｏｆｆ               ｙｏｕｒ               ｌｏａｎｓ               ａｎｄ               ｇｅｔｔｉｎｇ               ｏｕｔ               ｏｆ               ｄｅｂｔ               ｓｏｏｎｅｒ               ｉｓ               ａｎｏｔｈｅｒ               ｗａｙ               ｔｏ               "ｔｒｅａｔ"               ｙｏｕｒｓｅｌｆ.

Ｔａｋｅ               ａｔ               ｌｅａｓｔ               ａ               ｇｏｏｄ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｔｈａｔ               ｆｏｕｎｄ               ｍｏｎｅｙ               ａｎｄ               ａｐｐｌｙ               ｉｔ               ｔｏ               ｗｈｉｃｈｅｖｅｒ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｈａｓ               ｔｈｅ               ｈｉｇｈｅｓｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ.

Ｉｆ               ａｌｌ               ｔｈｅ               ｒａｔｅｓ               ａｒｅ               ｅｑｕａｌ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｌｏａｎｓ               ｙｏｕ               ｈａｖｅ,               ｔｈｅｎ               ａｐｐｌｙ               ｉｔ               ｔｏ               ｔｈｅ               ｌｏｗｅｓｔ               ｂａｌａｎｃｅ               ｌｏａｎ.
               Ｒｕｌｅ               ｆｏｕｒ:               Ｔｏｏ               ｍａｎｙ               ｏｆ               ｕｓ               ｈａｖｅ               ｌｅａｒｎｅｄ               ｔｏ               ｓｐｅｎｄ               ｗｈａｔｅｖｅｒ               ｍｏｎｅｙ               ｗｅ               ｅａｒｎ.

Ｉｆ               ｙｏｕ               ｒｅｃｅｉｖｅ               ａ               ｒａｉｓｅ,               ｄｅｓｉｇｎａｔｅ               ａ               ｐｏｒｔｉｏｎ               ｏｆ               ｔｈａｔ               ｔｏ               ｍａｉｎｔａｉｎｉｎｇ               ｙｏｕｒ               ｓｔａｎｄａｒｄ               ｏｆ               ｌｉｖｉｎｇ,               ｂｕｔ               ａｌｓｏ               ｄｅｓｉｇｎａｔｅ               ａ               ｐｏｒｔｉｏｎ               ｏｆ               ｔｈａｔ               ｒａｉｓｅ               ｔｏｗａｒｄｓ               ｐａｙｉｎｇ               ｄｏｗｎ               ｙｏｕｒ               ｄｅｂｔ,               ｅａｃｈ               ａｎｄ               ｅｖｅｒｙ               ｍｏｎｔｈ.

Ｏｎｅ               ｒｕｌｅ               ｏｆ               ｔｈｕｍｂ               ｉｓ               ｔｏ               ｔａｋｅ               ａｎｙ               ｉｎｃｒｅａｓｅ               ｏｖｅｒ               ａｎｄ               ｂｅｙｏｎｄ               ｔｈｅ               ｒｉｓｉｎｇ               ｃｏｓｔ               ｏｆ               ｌｉｖｉｎｇ,               ａｎｄ               ｔｈｅｎ               ｄｉｖｉｄｅ               ｔｈｅ               ｅｘｃｅｓｓ               ｉｎ               ｈａｌｆ               -               ｈａｌｆ               ｔｏ               ｉｍｐｒｏｖｉｎｇ               ｙｏｕｒ               ｓｔａｎｄａｒｄ               ｏｆ               ｌｉｖｉｎｇ,               ａｎｄ               ｈａｌｆ               ｔｏｗａｒｄｓ               ｐａｙｉｎｇ               ｄｏｗｎ               ｙｏｕｒ               ｄｅｂｔ.

Ｃｏｎｓｉｄｅｒ               ｔｈｉｓ:               ｉｆ               ｙｏｕｒ               ｐｒｅ-ｉｎｃｒｅａｓｅ               ｓａｌａｒｙ               ｉｓ               $40,000,               ｔｈｅ               ｃｏｎｓｕｍｅｒ               ｐｒｉｃｅ               ｉｎｄｅｘ               ｉｓ               2%               ａｎｄ               ｙｏｕ               ｒｅｃｅｉｖｅ               ａ               5%               ｉｎｃｒｅａｓｅ,               ｔｈｅｎ               1.5%               ｏｆ               ｙｏｕｒ               ｉｎｃｒｅａｓｅ,               ｅｖｅｒｙ               ｍｏｎｔｈ,               ｃｏｕｌｄ               ｇｏ               ｔｏ               ｐａｙ               ｄｏｗｎ               ｙｏｕｒ               ｌｏａｎｓ.

Ｏｖｅｒ               ｔｈｅ               ｃｏｕｒｓｅ               ｏｆ               ａ               ｙｅａｒ,               ｉｎ               ｔｈａｔ               ｓｃｅｎａｒｉｏ,               ｙｏｕ               ｗｉｌｌ               ｈａｖｅ               ａｐｐｌｉｅｄ               ａｎ               ｅｘｔｒａ               $500               ｄｉｒｅｃｔｌｙ               ａｇａｉｎｓｔ               ｔｈｅ               ｐｒｉｎｃｉｐａｌ               ｏｆ               ｙｏｕｒ               ｌｏａｎ,               ｆｕｒｔｈｅｒ               ｒｅｄｕｃｉｎｇ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｏｗｅｄ,               ｆｒｏｍ               ｔｈａｔ               ｏｎｅ               ｓａｌａｒｙ               ｉｎｃｒｅａｓｅ.

Ｉｆ               ｙｏｕ               ｒｅｃｅｉｖｅ               ａ               ｓｉｍｉｌａｒ               ｉｎｃｒｅａｓｅ               ｔｈｅ               ｓｅｃｏｎｄ               ｙｅａｒ,               ｙｏｕ               ｃａｎ               ｔｈｅｎ               ａｐｐｌｙ               $1,000               ｆｏｒ               ｔｈｅ               ｓｅｃｏｎｄ               ｙｅａｒ               ｔｏｗａｒｄｓ               ｙｏｕｒ               ｌｏａｎ               ｐｒｉｎｃｉｐａｌ               (ｔｈｅ               ｓａｍｅ               $500               ｄｅｓｉｇｎａｔｅｄ               ｆｒｏｍ               ｔｈｅ               ｐｒｉｏｒ               ｙｅａｒ'ｓ               ｉｎｃｒｅａｓｅ               ａｎｄ               ａｎｏｔｈｅｒ               $500               ｆｒｏｍ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｙｅａｒ'ｓ               ｉｎｃｒｅａｓｅ).

Ｔｈｉｓ               ｉｓ               ａｎ               ｅｘｔｒｅｍｅｌｙ               ｐｏｗｅｒｆｕｌ               ｗａｙ               ｔｏ               ｐａｙ               ｄｏｗｎ               ｙｏｕｒ               ｄｅｂｔ               ｆａｓｔ,               ａｓ               ｌｏｎｇ               ａｓ               ｙｏｕ               ａｒｅ               ｃｏｍｆｏｒｔａｂｌｅ               ｗｉｔｈ               ｎｏｔ               ｉｎｃｒｅａｓｉｎｇ               ｙｏｕｒ               ｓｔａｎｄａｒｄ               ｏｆ               ｌｉｖｉｎｇ               ｆｏｒ               ａ               ｆｅｗ               ｙｅａｒｓ.
               Ｒｕｌｅ               ｆｉｖｅ:               Ｉｆ               ｙｏｕ               ａｒｅｎ'ｔ               ｉｎ               ａ               ｐｏｓｉｔｉｏｎ               ｔｏ               ｇｅｔ               ａ               ｒａｉｓｅ,               ｔｈｅｎ               ｄｏｎ'ｔ               ｄｅｓｐａｉｒ.

Ｆｉｎｄ               ｓｏｍｅ               ｏｔｈｅｒ               ｗａｙ               ｔｏ               ｍａｋｅ               ａ               ｆｅｗ               ｅｘｔｒａ               ｄｏｌｌａｒｓ               ｅａｃｈ               ｗｅｅｋ.

Ｉｔ               ｍｉｇｈｔ               ｂｅ               ｂａｂｙｓｉｔｔｉｎｇ,               ａ               ｐａｒｔ-ｔｉｍｅ               ｊｏｂ               ｆｏｒ               ａ               ｆｅｗ               ｈｏｕｒｓ               ｅａｃｈ               ｗｅｅｋｅｎｄ,               ｏｒ               ｉｆ               ｙｏｕ               ｈａｖｅ               ａ               ｔａｌｅｎｔ,               ｓｕｃｈ               ａｓ               ｃｒａｆｔｉｎｇ               ｇｏｏｄｓ,               ｓｎａｐｐｉｎｇ               ｐｉｃｔｕｒｅｓ               ｏｒ               ｐａｉｎｔｉｎｇ               ｆｒｏｍ               ｓｔｉｌｌ               ｐｈｏｔｏｓ,               ｔｈｅｎ               ｃａｐｉｔａｌｉｚｅ               ｏｎ               ｔｈａｔ.

Ｅｖｅｒｙ               ｄｏｌｌａｒ               ｃｏｕｎｔｓ.
               Ｔｈｏｓｅ               ｗｅｒｅ               ｔｈｅ               ｒｕｌｅｓ               Ｉ               ａｐｐｌｉｅｄ               ｔｏ               ｍｙ               ｆｉｒｓｔ               ｓｅｔ               ｏｆ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ.

Ｉ               ａｍ               ｗｏｒｋｉｎｇ               ｏｎ               ｍｙ               ｓｅｃｏｎｄ               ｓｅｔ               ｏｆ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ａｎｄ               ｈａｖｅ               ｊｕｓｔ               ｂｅｇｕｎ               ｔｈｅ               ｆｏｕｒｔｈ               ｙｅａｒ               ｉｎ               ｔｈｅ               ｐａｙｍｅｎｔ               ｐｅｒｉｏｄ,               ｍｅａｎｉｎｇ               Ｉ'ｖｅ               ｊｕｓｔ               ｆｉｎｉｓｈｅｄ               ｍａｋｉｎｇ               36               ｏｎ-ｔｉｍｅ               ｐａｙｍｅｎｔｓ.

Ｉ'ｖｅ               ｂｅｅｎ               ｒｅｗａｒｄｅｄ               ｗｉｔｈ               ａｎ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｒｅｄｕｃｔｉｏｎ               ｆｏｒ               ｏｎ-ｔｉｍｅ               ｐａｙｍｅｎｔｓ               ａｎｄ               ｈａｖｅ               ｂｅｅｎ               ｐａｙｉｎｇ               ｅｘｔｒａ               ｗｈｅｒｅ               Ｉ               ｃａｎ,               ｕｓｕａｌｌｙ               ｂｅｔｗｅｅｎ               $50               ｔｏ               $75               ａ               ｍｏｎｔｈ               ｅｘｔｒａ.

Ｉ               ｓｔａｒｔｅｄ               ｏｕｔ               ｔｈｒｅｅ               ｙｅａｒｓ               ａｇｏ               ｗｉｔｈ               ｊｕｓｔ               ｏｖｅｒ               $42,000               ｉｎ               ｄｅｂｔ               ｉｎ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔ;               ｉｎ               ｊｕｓｔ               ｔｈｒｅｅ               ｙｅａｒｓ,               Ｉ               ｈａｖｅ               ｋｎｏｃｋｅｄ               ｏｆｆ               ｏｎｅ-ｔｈｉｒｄ               ｏｆ               ｔｈｅ               ｂａｌａｎｃｅ               ｓｏ               ｔｈａｔ               Ｉ'ｍ               ａｔ               ａｂｏｕｔ               $28,000.

Ｉｆ               Ｉ               ｈａｄｎ'ｔ               ｂｅｅｎ               ｐｕｓｈｉｎｇ               ｔｏ               ｐａｙ               ｔｈｅｓｅ               ｌｏａｎｓ               ｏｆｆ               ａｎｄ               ｏｎｌｙ               ｈａｄ               ｂｅｅｎ               ｍａｋｉｎｇ               ｓｃｈｅｄｕｌｅｄ               ｐａｙｍｅｎｔｓ,               ｍｙ               ｂａｌａｎｃｅ               ｗｏｕｌｄ               ｂｅ               ｃｌｏｓｅｒ               ｔｏ               $39,000.

Ｓｏ               Ｉ               ａｍ               ａｂｏｕｔ               $11,000               ａｈｅａｄ               ｉｎ               ｊｕｓｔ               ｔｈｒｅｅ               ｙｅａｒｓ.
               Ｗａｓ               ｇｏｉｎｇ               ｉｎｔｏ               ｄｅｂｔ               ｔｏ               ｇａｉｎ               ａ               ｈｉｇｈｅｒ               ｅｄｕｃａｔｉｏｎ               ｗｏｒｔｈ               ｉｔ?

Ｉｎ               ｔｈｅ               ｃａｓｅ               ｏｆ               ｏｂｔａｉｎｉｎｇ               ｍｙ               Ｂ.Ａ.

ｄｅｇｒｅｅ,               ｄｅｆｉｎｉｔｅｌｙ;               ｔｈｅｒｅ               ａｒｅ               ｔｏｏ               ｍａｎｙ               ｅｍｐｌｏｙｍｅｎｔ               ｏｐｐｏｒｔｕｎｉｔｉｅｓ               ｔｈａｔ               ｗｏｕｌｄ               ｈａｖｅ               ｂｅｅｎ               ｃｌｏｓｅｄ               ｏｆｆ               ｔｏ               ｍｅ               ｗｉｔｈｏｕｔ               ｔｈａｔ               ｅｄｕｃａｔｉｏｎ               (ａｎｄ               ｔｈｅ               ａｃｃｏｍｐａｎｙｉｎｇ               ｄｉｐｌｏｍａ).

Ｍｙ               ａｄｏｐｔｉｖｅ               ｐａｒｅｎｔｓ               ｈａｄ               ｈｏｐｅｄ               ｆｏｒ               ｍｅ               ｔｏ               ｂｅｃｏｍｅ,               ａｔ               ｂｅｓｔ,               ａ               ｃｌｅｒｋ-ｔｙｐｉｓｔ.

Ｉ               ｃｈｅｃｋｅｄ               ｔｈｅ               ａｖｅｒａｇｅ               ｈｏｕｒｌｙ               ｗａｇｅ               ｆｏｒ               ａｎ               ｅｘｐｅｒｉｅｎｃｅｄ               ｃｌｅｒｋ-ｔｙｐｉｓｔ;               ｉｎ               ｍｙ               ａｒｅａ,               ａ               ｃｌｅｒｋ-ｔｙｐｉｓｔ               ｗｉｔｈ               ｏｖｅｒ               ａ               ｄｅｃａｄｅ               ｏｆ               ｅｘｐｅｒｉｅｎｃｅ               ａｖｅｒａｇｅｄ               ｌｅｓｓ               ｔｈａｎ               $15/ｈｏｕｒ               ｉｎ               2010.

Ｂｙ               ｐｕｒｓｕｉｎｇ               ｔｈｅ               ｂａｃｈｅｌｏｒ               ｐｒｏｇｒａｍ               ａｔ               Ａｒｃａｄｉａ,               Ｉ               ｗａｓ               ｅａｒｎｉｎｇ               ｔｈａｔ               ａｎ               ｈｏｕｒ               -               ｔｗｅｎｔｙ               ｙｅａｒｓ               ａｇｏ.

Ｉｔ'ｓ               ａ               ｆａｉｒ               ｂｅｔ               ｔｈａｔ               ｈａｖｉｎｇ               ｔｈｅ               Ｂａｃｈｅｌｏｒ'ｓ               Ｄｅｇｒｅｅ               ｈａｓ               ａｌｌｏｗｅｄ               ｍｅ               ｔｏ               ｅａｒｎ               ａｔ               ｌｅａｓｔ               ｔｗｉｃｅ               ｗｈａｔ               Ｉ               ｗｏｕｌｄ               ｈａｖｅ               ｅａｒｎｅｄ               ｏｔｈｅｒｗｉｓｅ,               ｅａｃｈ               ａｎｄ               ｅｖｅｒｙ               ｙｅａｒ.

Ｉ               ｄｏｎ'ｔ               ｒｅｇｒｅｔ               ｈａｖｉｎｇ               ｈａｄ               ｔｈｏｓｅ               ｌｏａｎｓ               ａｔ               ａｌｌ.
               Ｗｉｌｌ               ｔｈｅ               ＭＢＡ               ｗｉｌｌ               ｐｒｏｖｅ               ｔｏ               ｂｅ               ｗｏｒｔｈ               ｔｈｅ               ｔｉｍｅ               ａｎｄ               ｍｏｎｅｙ               ｓｐｅｎｔ               ｉｎ               ｔｈｅ               ｌｏｎｇ               ｒｕｎ?

Ｉ               ｄｏ               ｋｎｏｗ               ｔｈａｔ               ｏｎｅ               ｏｆ               ｔｈｅ               ｉｎｔｅｒｖｉｅｗｅｒｓ               ａｔ               ｍｙ               ｃｕｒｒｅｎｔ               ｅｍｐｌｏｙｍｅｎｔ               ｔｏｌｄ               ｍｅ               -               ａｆｔｅｒ               Ｉ               ｗａｓ               ｈｉｒｅｄ               -               ｔｈａｔ               ｈａｖｉｎｇ               ｔｈｅ               ａｂｉｌｉｔｙ               ｔｏ               ｗｒｉｔｅ               ｗｅｌｌ,               ｒａｔｈｅｒ               ｔｈａｎ               ｈａｖｉｎｇ               ｔｈｅ               ＭＢＡ,               ｗａｓ               ｔｈｅ               ｒｅａｓｏｎ               ｓｈｅ               ｈａｄ               ｓｅｌｅｃｔｅｄ               ｍｅ.

Ｉ               ａｍ               ｎｏｔ               ｍａｋｉｎｇ               ｓｕｂｓｔａｎｔｉａｌｌｙ               ｍｏｒｅ               ｔｈａｎ               ｂｅｆｏｒｅ               ｔｈｅ               ＭＢＡ               ｄｅｇｒｅｅ,               ｂｕｔ               ｔｈｅｎ,               Ｉ               ｃｏｕｌｄ               ａｌｓｏ               ａｒｇｕｅ               ｔｈａｔ               Ｉ               ｈａｖｅ               ｎｏｔ               ｆｕｌｌｙ               ｌｅｖｅｒａｇｅｄ               ｔｈｅ               ｄｅｇｒｅｅ               ｅｉｔｈｅｒ:               Ｉ               ｄｉｄ               ｎｏｔ               ａｐｐｌｙ               ｔｏ               ｍａｊｏｒ               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｏｎ               Ｗａｌｌ               Ｓｔｒｅｅｔ,               ｗｈｅｒｅ               ｓａｌａｒｉｅｓ               ｈａｖｅ               ｏｆｔｅｎ               ｂｅｅｎ               ｔｈｅ               ｈｉｇｈｅｓｔ               ｆｏｒ               ＭＢＡ'ｓ.

Ｉｎｓｔｅａｄ,               Ｉ               ｓｔａｙｅｄ               ｉｎ               ｔｈｅ               Ｐｈｉｌａｄｅｌｐｈｉａ,               Ｐｅｎｎｓｙｌｖａｎｉａ               ｒｅｇｉｏｎ               ａｎｄ               ｓｔｉｌｌ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｗｏｒｋ               ｗｉｔｈｉｎ               Ｉｎｆｏｒｍａｔｉｏｎ               Ｔｅｃｈｎｏｌｏｇｙ.

Ｓｔｉｌｌ,               ｈａｖｉｎｇ               ｔｈｅ               ＭＢＡ               ｄｅｇｒｅｅ               ｍａｙ               ｏｐｅｎ               ｔｈｅ               ｄｏｏｒ               ｆｏｒ               ｏｐｐｏｒｔｕｎｉｔｉｅｓ               ｈｉｇｈｅｒ               ｕｐ               ｔｈｅ               ｃｏｒｐｏｒａｔｅ               ｌａｄｄｅｒ               ｅｖｅｎｔｕａｌｌｙ.

Ｏｎｌｙ               ｔｉｍｅ               ｗｉｌｌ               ｔｅｌｌ.






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      ... + rising sovereign debt + rising gold value. Ignore the ...unemployment >> more welfare costs >> rising sovereign debt >> corrupted fiat ...
    6. triadwatch.blogspot.com/   08/05/2011
      ... of the rating was prompted by our view on the rising public debt burden and our perception of greater policymaking uncertainty, consistent with our...
    7. emsnews.wordpress.com/   07/01/2009
      ...4:26 pm ↓ Jump to Comments Rising Debt Increases Growth Less And Less...perfectly! Every time we have a sudden hike in debt that grows much faster...
    8. knowledgecreatespower.blogspot.com/   07/05/2009
      ...popular, polls show there is rising public concern over his handling of...economy and the government's mushrooming debt — and what it might mean for future ...
    9. lucas2012infos.wordpress.com/   02/21/2013
      ... >> higher unemployment >> more welfare costs >> rising sovereign debt >> corrupted fiat currencies >> investors desperate for...
    10. daisymaxwell.wordpress.com/   03/27/2010
      CBO report: Debt will rise to 90% of GDP – Washington Times . David...s say, 5 percent of GDP range would lead to rising debt-to-GDP ratios in a manner that would...

      11. Rising Debt - Blog Homepage Results

      RISEN & RYAN, P.A.byShawn M. Risen
      http://risenandryan.wordpress.com/
      A family law and debt relief agency (by Shawn M. Risen)
      AMERICA'S GREATNESS UNDER ATTACK FROM WITHINbyCharles Strauch
      http://wealthcreatesgood.blogspot.com/
      ...our children with a staggering level of debt, highlights the leadership vacuum, the complacency and...Good news: public anger about all of this is on the rise.
      Global Macro Tradingbyglobalmacrotrading
      http://globalmacrotrading.wordpress.com/
      ...high as a percentage of GDP: Corporate Leverage is rising: A point also noted by Goldman (and the Fed... for leveraged loans) Debt…
      more Rising Debt Blogs



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