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danielv835

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pf_coach_v0.1

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User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "IT, self teach yourself or go to a boot camp. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "You can take your bachelor's degree and apply to an accelerated nursing program and get your bachelor's in nursing in 12 to 18 months. It is intense but the job prospects are AMAZING and it's not unheard of for a BSN to pull down 6 figures. Also it's worth mentioning that with a BSN you qualify for admin positions and an entire realm of possible employment opportunities. The Healthcare market is only getting stronger, and jobs are only getting more plentiful. " Therapsid (Therapsid): "I have a B.S in Biology and I didn't even complete half of the required prereqs for any accelerated BSN programs. Idk how realistic this is even if someone has an undergraduate degree. " david13702 (david13702): "Same here, I'm missing over half between all the extra humanities courses needed "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Haven't seen it mentioned yet, so I'll add the military. With any bachelor's degree you can become an officer in the Army if that's your thing. In the Air Force there is a large amount of more science-y and mechanical jobs where the only requirements are a decent ASVAB score and any bachelor's degree. Navy is a similar situation." probablyinpearls (probablyinpearls): "O-3 checking in here. Military could overall care less about degree types - I know AF pilots with art degrees. 4 years in and making over 85K plus a bunch of other side perks that lower my daily costs. If I get out I leave with solid experience, a veterans hire preference, and a security clearance which puts me ahead of the game for any government job. \n\nMilitary is definitely a good option. " garmin77 (garmin77): "Isn't it notoriously difficult to get a commission unless you're ROTC or prior service?" dumbducky (dumbducky): "If you already have a degree, you can do ROTC while you get a masters degree. Otherwise your only option is to go through OTS/OCS. The services use it as their way to fill the shortages from ROTC/academies. I feel like I recently heard the AF's schoolhouse is at capacity, which means they are sending as many they can, but don't quote me on that. Talk to a recruiter to find out details. As long as you aren't disqualified in any way, you can get a commission. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Air Traffic Control doesn't require a degree and can often pay into six figures. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "You could sign up to go into the military as an officer. The pay is really good and the only requirement is a 4 year degree. You literally don't have to be good at anything except be able to pass a fitness test. " popcan2 (popcan2): "I think you have to be good at war. Do people even realize the stakes when they join the army. " dumbducky (dumbducky): ">I think you have to be good at war\n\nNot really. Most of the military rarely shoots guns."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "I think the key is to have an open mind. You'll never know what you like until you try it. Take on new projects, ask about different departments and help out if the firm will allow you.\n\nGraduated in 2012 with a degree in Political Science. Had no idea what I wanted to do and applied to hundreds of jobs and went to dozens of interviews. I finally got an offer and it seemed like a good fit. I started off as an admin assistant at a small nonprofit, and worked very hard and tried to learn as much as I could about the different aspects of the work and industry.\n\nAbout 6 months in, a position opened up and I moved into a finance/accounting/business management type of role. I worked 70 hour weeks most of the time, but the experience I got was priceless. I also got a $12,000 dollar raise. In performing some financial analysis and producing accounting reports, I realized I liked working with data. Enrolled in a course in SQL (database querying language) at the local community college, and when it was time to apply to a new job, I knew what I was looking for and applied to some entry level data analyst jobs at a number of places and had 3 offers all across the country.\n\nI decided to move to a new city and took a small salary cut (- $3,500). After developing my skills more, working hard and proving my value to the organization, and taking another course, I was ready to find another job because I was being paid around $20K under what I could be making doing the same thing elsewhere, and they wouldn't budge on a raise.\n\nGot a great new job pretty soon after I was searching, and negotiated a $25,000 salary increase. I write code, prepare visualizations, interpret data, develop new processes, and work with a lot of truly great clients. I couldn't ask for more. Be open-minded.\n\nFind something you like that you're good at, work hard, learn more about it.\n\nI also realize I'm a very lucky person, and hard work, in many cases, does not necessarily lead to a fulfilling career. Just be open to new opportunities, and don't let them pass you by if you feel like it would be out of your comfort zone."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Probation, child protection, juvenile justice, drug counseling, prison guard, Starbucks barista, Enterprise rental manager trainee, police, military officer, and more. \n\nJust don't go to law school. " Ianeira (Ianeira): "As a former Starbucks barista, it is impossible to make a living there unless you are the store manager. " Self: "Sorry, I missed the part about decent paying. In fairness to my response, decent paying is a relative term. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Thought of becoming a police officer? My dad majored in criminology (I believe) & had a great career "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Although there's a lot of additional training that is needed, one of the prerequisites to become an airline pilot is a bachelor's degree in no particular field of study" beanerbucksthrow1 (beanerbucksthrow1): "I was hoping this was not something somebody would recommend.\n\nAside from the additional training costs everyone else has mentioned (which can easily cost $100k), this is NOT a career anyone can/should just randomly waltz in to. It takes people with a genuine passion to do the job or often times they end up hating it. Too often I fly with guys that were just in it for the money or benefits and they are miserable as fuck, and for the same reason it often sucks flying with them. But now they're stuck being pilots because if they leave they'd lose all their bennies and cushy $100k+ salary and no way to pay for their kids college tuition or whatever. \n\nTL;DR It is NOT a job for the faint of heart or those only passively thinking "oh it would be kinda cool to be a pilot". Guys like myself who had a lifelong obsession with becoming one and that knew what they're getting into beforehand are a much much better fit." Self: "I don't disagree with any of this; a career as an airline pilot should only be pursued (and most of the time will only be reached) if there's a strong passion for aviation. I only made this suggestion for the potential chance that op does have an interest in flying, and if he does, then some flight training could lead him into a job that he's a lot happier in than his current position. But again, he should only go down this path if he's sure that he loves aviation."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Sales. Not retail or insurance or cars. Pick the right software or medical device product and you'll make $100k+ by your second year on the job with your paralegal skills and a decent mentor/manager.\n\nEdit: yes, sales is hard work. It's not for everyone. Requires long days, travel, "uncomfortable" conversations and rejection, etc. Welcome to work. There is no "easy" high-paying job but sales does not require an exorbitant amount of training or education." emergency_poncho (emergency_poncho): "you should really give the whole picture if you give advice like this. Sales is, for the most part, gruelling, thankless, you face an enormous amount of rejection, even anger, and most sales jobs rely on an enormous amount of cold-calling. It's tedious, very much performance-driven, so you always need to be performing at 110%, which gets extremely exhausting and demoralising very quickly. There's also an enormous amount of pressure and stress to meet your sales goals.\n\nThere's no such thing as a cushy, high-paying sales job. Sure, anyone can enter it, but it has something like a 95% turnover rate within the first 6 - 12 months. It's brutal, and very, very few people thrive in this environment long enough to rake in the big bucks." sunnydaycaliphate (sunnydaycaliphate): "Disagree- have been selling for B2B for 7 years.\n\nOnce you become a known quantity with clients in your space it gets quite enjoyable...assuming your are good at your job and keep people happy. \n\nNothing is ever handed to you but I've become very close with some clients and the sense of partnership is real. Genuinely like meeting and business planning with them. \n\nThat definitely outweighs the inevitable bad days. \n\nNote: I work in a field that develops ongoing sales of a few lines, not a one-time purchase " bdlugz (bdlugz): "Completely agree with you. Sales takes a lot of work, but once you do your job and build your network, it all becomes easier."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "President of the United States apparently "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" Lmiller1776 (Lmiller1776): "Military Officer. I am a CW3 in the Army. Counting base pay, BAH, BAS and flight pay I make about 85k a year. The best parts are the free health care and a 20 year retirement. " melancholyswiffer (melancholyswiffer): "What the shit. I make like basically minimum wage in the navy as a nuke"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "All these people saying do this, do that you'll be making 100K a year. I'm curious how much you guys actually make? 100K a year is more than 8K a month, how is this possible even with a degree?" EpicYarnKirby (EpicYarnKirby): "I'm confused by that too. Why do companies pay someone 100k if anyone could do the job after a few months of training?" typewriter07 (typewriter07): "Theoretically anyone could. But you have to be naturally... intelligent? Maybe that's not the right word. But you need to be business savvy and be able to think on your feet, and present well, and navigate the office politics, and all those sort of things. \n\nMost people just aren't great at it. \n\nA lot of people in my office need training on things like time management and inbox management. Being good at those two things means you're a step above the rest. " Mrbasie (Mrbasie): "How you deal with workplace politics. Turns me off f*ck" typewriter07 (typewriter07): "It is hard. You can't just disengage because that can be seen as snobby, shy, or unfriendly. You can't get too close to the wrong people either though, because you don't want their bad attitude to reflect on you. You can't get too close to the GOOD people even - because if you get promoted and they don't you end up with an uncomfortable situation where they feel weird reporting to a "friend" and you feel strange telling your mates what to do. \n\nThe best piece of advice I can give is to listen more than you talk - eg when someone asks how your weekend was "it was great thank you, loved the nice weather! What about you, what did you get up to?" That way you're engaging with them and being friendly, but you're not giving too much away. It works when someone is gossiping/bitching to you too. "Oh what makes you say that?" "Why do you think he'd do that?" As opposed to talking badly about the company or person directly. \n\nIt's quite a labyrinth. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Really, you don't give too much info to answer this question. What type of tasks do you like to do and which can you do well? Are you a talker or do you want to be left alone to do a task. Don't care if you have some slacker in you, but need to know these types of things."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Although there's a lot of additional training that is needed, one of the prerequisites to become an airline pilot is a bachelor's degree in no particular field of study" nexttime_lasttime (nexttime_lasttime): "I wouldn't recommend this. It'd require tens or hundreds of thousands for flight training. Then to get hours most pilots work charters or regionals making less than 40k. Pilot jobs at the mainline airlines do pay well but they are very competitive. While the current pilot population is aging out, there are not a lot of high paying pilot jobs, and they will always be competitive. " llamachef (llamachef): "There's actually a massive airline hiring going on for the majors, the age retirements start en masse next year. For example, delta will have 800ish retire, along with normal attrition, so that's a lot of hiring. Delta also just negotiated a 30% raise for aircrew pay so that's good money.\n\nI wouldn't recommend trying to go airlines though, you'll be saddled with a ton of debt and very little pay as you gain hours" Teawouldbelovely (Teawouldbelovely): "To fly a big plane for delta you're going to have to fly a big plane in the military for years. Or do the 30k a yeAr regional thing forever to get those hours. But yes you can become a military fighter pilot or any other kind of military pilot with a music or art degree. " llamachef (llamachef): "For example, I have a geography degree"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "All these people saying do this, do that you'll be making 100K a year. I'm curious how much you guys actually make? 100K a year is more than 8K a month, how is this possible even with a degree?" newstudent_here (newstudent_here): "Salary is HUGELY dependent on location, at least for my field.\n\nStarting salary of 70K in Georgia would be equal to 130K in California, for example." Relevant_Monstrosity (Relevant_Monstrosity): "For comparison, John Everyman in central wisconsin makes $20-$40k per year.\n\nAnd I pay 230 dollars a month for half an apartment." SomeBroadYouDontKnow (SomeBroadYouDontKnow): "What city are you in? Going back to Milwaukee soon and apartments I'm seeing are easily 800+ ...and those $800 apartments are the ones where you look in the bathroom and go "yeahhhh, that toilets gonna be in the basement in a few months." (So for even half of the apartment, you're looking at $400... Not ideal for students)." Relevant_Monstrosity (Relevant_Monstrosity): "Wausau"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" 4thAccountToday (4thAccountToday): "And at that point you were making almost 26,000 dollars a year." Self: "Depends on the company/organization! I started at $33,500 straight out of college, and am up to $40,000 less than two years later. Not the highest salary, but for someone in their early-mid twenties it's not bad at all. My employer (a private university) also does 3-4% annual raises." blabbitygabbity (blabbitygabbity): "I agree with this as I did it, too. Graduated with a degree in biology and started working (not in biology) at the university at base salary of $35k. We get ~$1500 raise every year or so. It's also a really great way to be an advocate for higher education, if that's important to you. " presedentiallook (presedentiallook): "35k starting salary is not advocating higher education in the slightest " blabbitygabbity (blabbitygabbity): "The average salary for my state is between $22-23k. \nAnd we have one of the highest unemployment rates nationally. Only 60% of the students who graduate and are college eligible choose to continue their education. And that's the highest it's been in years. So I think working in higher education to improve student enrollment is a great way to advocate for higher ed. " Anustart15 (Anustart15): "Advocating for higher education in a thread about how higher education didn't help achieve career goals. I like it"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Haven't seen it mentioned yet, so I'll add the military. With any bachelor's degree you can become an officer in the Army if that's your thing. In the Air Force there is a large amount of more science-y and mechanical jobs where the only requirements are a decent ASVAB score and any bachelor's degree. Navy is a similar situation." probablyinpearls (probablyinpearls): "O-3 checking in here. Military could overall care less about degree types - I know AF pilots with art degrees. 4 years in and making over 85K plus a bunch of other side perks that lower my daily costs. If I get out I leave with solid experience, a veterans hire preference, and a security clearance which puts me ahead of the game for any government job. \n\nMilitary is definitely a good option. " garmin77 (garmin77): "Isn't it notoriously difficult to get a commission unless you're ROTC or prior service?" david13702 (david13702): "I heard this as well. care to comment /u/probablyinpearls? I would not mind doing this path and really want to know\n\nWas looking around and saw alot of people say anything under 3.5, dont bother applying " Stinky_Chicken (Stinky_Chicken): "If you're interested in Air Force, search for the 24th Training Squadron on Facebook. That's the OTS (Officer Training School) squadron which may have up to date info on wait time. Most OTS classes will make a FB page too so just search one of the more recent ones and ask members whatever questions you have. Someone is bound to answer. I could try answering but I went through over 4 years ago and things have probably changed a lot. The AF is hurting for pilots if that's something you're interested in. \n\nMy $0.02: if you want to be a pilot get hired by a Reserve or National Guard unit. You would go to pilot training knowing exactly what plane you'll get, You'll never have to move, and everyone there is like 100x more chill than their active duty counterparts. " david13702 (david13702): "I see, I'm not interested in a Pilot position, but wanted to go to an officer school after. Heard it was extremely difficult to even get in from what I hear "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "All these people saying do this, do that you'll be making 100K a year. I'm curious how much you guys actually make? 100K a year is more than 8K a month, how is this possible even with a degree?" newstudent_here (newstudent_here): "Salary is HUGELY dependent on location, at least for my field.\n\nStarting salary of 70K in Georgia would be equal to 130K in California, for example." Relevant_Monstrosity (Relevant_Monstrosity): "For comparison, John Everyman in central wisconsin makes $20-$40k per year.\n\nAnd I pay 230 dollars a month for half an apartment." Robob510 (Robob510): "Jealous. Up in Coastal NH things are starting to get so expensive. Paying 950 for half an apartment. \n\nEdit: I make ok money but the cost of living is getting crazy. Feels like the salary and cost of living are not increasing at the same rate." Relevant_Monstrosity (Relevant_Monstrosity): "Definitely the opposite here. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Ever thought about going overseas to teach English? Korea, Japan and Taiwan pay decently plus it's a great life experience that could lead you to figure out what you want to do. Either that or you'll fall in love and wonder where 14 years went..."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "A few options come to mind:\n\n- IT. You don't even have to be good with computers. You can do documentation.\n\n- Sales. I've heard there's good money here if you're good. I have friends that are engineers that have gone into sales so even people with "good" degrees switch to it.\n\n- Recruiting. Don't know much about this but I've seen people get into it.\n\n- Human Resources. Not sure how but I feel like you can get into this.\n\n- Coding. Learn coding in a few months (part-time) at a coding academy to become a web/mobile developer. There might be some decent paying jobs here but I feel like it's becoming saturated.\n\n\nI also highly recommend you do not go to law school. I've seen many people do this and essentially destroy their lives or get set back 10-20 years because of the debt and poor job prospects.\n\n\nBest of luck!" ThePurdude (ThePurdude): "Precisely! I know I'm probably quoting an 80s movie when I say this, but sales is the most even playing field of any career path. It doesn't matter if you went to an Ivy League or the Toilet League, or if you majored in STEM or liberal arts. If you have the hunger, then you'll do very well in sales. \n" Gottagettagoat (Gottagettagoat): "The hunger?" phosphorus29 (phosphorus29): "Slang for diarrhea."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Waffle House pays 45,000 for people with degrees. It's greasy easy waffles but it's money"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "The biggest lie students are sold is "get a degree; any degree". \nThe truth is, there are low value degrees that cost as much or more than high value degrees. The only thing you can do now is leverage skills you have. In general, Sales is a trade that isn't dependent on your education, but upon your ability to conduct repeatable activities. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Any job in the insurance industry. You can learn about the business and move up through the ranks fairly easily. If you want to change companies you will always be able to."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "If you want to get a CA teaching credential, I started at 50k and after 5 years teaching I'm at 60k with a top out at about 95k at this time. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Teach English in Asia. If you live even the tiniest bit within your means you will not only save a bundle of cash but also experience another culture and be able to easily afford travel to neighboring countries. " lanabananaaas (lanabananaaas): "I would be hesitant about this. I have friends (I know, anecdotal "evidence") who did this, and then when they came back to the States, it was as if they had not worked for the number of years they were abroad. No references, no US experience, nothing.\n" BlameTibor (BlameTibor): "I came back with loads of references, just set them up before you leave. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "I'm a tad late to that party but I have a great one for you. So no college is actually requited and people don't often agree with it but pizza delivery. My uncle did it for a decade and bought a house straight cash. I did it for several years and averaged $20 an hour after tips. Coupled with a high efficiency vehicle you can actually make money on your mileage reimbursement. \nNever let anyone twll you different, so long ad it isn't a shit town you make good money. \nOnly real downside is wear and tear on a car but I always came out ahead." LifeOfTheUnparty (LifeOfTheUnparty): "IF YOU DO GO THIS ROUTE, make sure you get separate car insurance! Many average policies won't cover you for accidents that occur when you're driving for work, i.e. Delivery and über " Self: "Nobody ever told me and I did delivery for years... lol" LifeOfTheUnparty (LifeOfTheUnparty): "My dad told me because he was rear ended by a Papa Johns driver, whose insurance wouldn't pay" rantlers (rantlers): "The driver's insurance wouldn't ever pay for something like that. That's something that the pizza shop's commercial insurance should pay for if the policy was designed properly. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Most any job you can get without a degree, so... most anything."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "If I had to do it over again I'd skip a worthless bachelors + debt and instead get a mechanics certification or contractors license. Way more money can be earned with those routes."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "You can over 100k a year with just a GED."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Apply for management at big box retail. I used to work for Target and the main requirement was a4-year degree. You'd be a great fit for Assets Protection with your CJ degree. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Teach English in Asia. If you live even the tiniest bit within your means you will not only save a bundle of cash but also experience another culture and be able to easily afford travel to neighboring countries. " lanabananaaas (lanabananaaas): "I would be hesitant about this. I have friends (I know, anecdotal "evidence") who did this, and then when they came back to the States, it was as if they had not worked for the number of years they were abroad. No references, no US experience, nothing.\n" trumarc (trumarc): "As someone who did this for years in his 20s and now has a good job in his mid-30s, I would NOT be hesitant about this . It can be such an AWESOME experience (provided you have a decent, well-researched contract) and can pay dividends when you get back. How many of my job interviews focused on how interesting it was that I taught all over the world, I cannot tell you. \n*I mean, I COULD tell you but I am tired and trying to play poker before bed..."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Teach English in Asia. If you live even the tiniest bit within your means you will not only save a bundle of cash but also experience another culture and be able to easily afford travel to neighboring countries. " Raptor29 (Raptor29): "but you need to speak their language to teach them, dont you?" HelloHerroHewwo (HelloHerroHewwo): "Nope. I know some places prefer you don't so it forces the students to communicate with you only in English" trumarc (trumarc): "Exactly. You just have to learn how to teach using just the target language. Takes practice, but so does everything worthwhile."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "In my experience, it depends on what you can schmooze your way into, certain obvious fields such as medicine excluded. I have a French degree. I've never worked in a French-related field, and every interview I've ever had has involved explaining it away while emphasizing my non-French linguistic coursework and talking about how knowing multiple grammar systems enhances my understanding of English (/language as a whole). I managed to get contract work as a proofreader, then moved to full-time work in academic editing/publishing, then ultimately landed a job as a financial writer at a very large and well-respected investment firm. I had zero finance background but emphasized that I'm a quick study with a great eye for detail and that I would be very interested in learning something useful and new. I also took initiative by picking up some books on finance/investing and reading them beforehand so I could prove that I wasn't a total idiot and would be able to absorb the material on the job/with supplemental learning. I don't make as much as the analysts/traders/advisors, but I'm paid very well. My fellow French majors from my class work in nonprofit activism and sales, respectively." trumarc (trumarc): "Bien joue~"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" Lmiller1776 (Lmiller1776): "Military Officer. I am a CW3 in the Army. Counting base pay, BAH, BAS and flight pay I make about 85k a year. The best parts are the free health care and a 20 year retirement. " kzpt (kzpt): "Needs to be higher. IMO military service is a good thing for the resume" ICBanMI (ICBanMI): "Military service is good to a point, but it varies with the job duty and current political climate. This needs to be stressed, rather than parroting "Service is good," all over the internet and in public. Military service is something that you need to plan into your career. \n\nOfficer experience is great, if your goal is a particular job is in the military. If your end goal is a job in the private sector... you're putting off your real career for 6-8 years at a minimum. Officers don't have that many problems getting back in to the private side, but enlisted personal were having problems until Congress and Obama put out huge tax incentives for hiring vets. This is like 4-5 years ago that it happened. The last war was pretty bad for vets.\n\nIf you're enlisted, a lot of the occupations don't typically lead to a career that is better after military service. If you choose something like truck driving or cook, you could have much quicker gotten in to those jobs without doing the military and made more money. If you choose something like combat engineer, you got great experience that would help out if you want to go back and do civil engineering in school plus a way to pay for it. Tho combat engineer is a terribly boring MOS with a lot of terrible moments. If you don't go to school for civil engineering or something construction... you're not in a better position when you leave the military. A career like IT specialist is great for enlisted personal, but not everyone qualifies for those. Remember the benefits weren't that good until the post 911 GI bill under Bush. Post 911 GI bill benefits were a band aid at the time for how vets were having trouble finding jobs. Those benefits do change, and I don't know if they got reduced last year. Things can change a lot in 4-8 years of active duty.\n\nWorse. If you get out early, and don't end up with a honorable discharge... it's almost as bad as going to prison when job searching. Employees do care about what type of discharge you get even if it's not legal to discriminate based on it.\n\n"Military service is good for the resume if you plan it around your career." If you're looking for any job, you're going to have mixed results. Know what you end goal is. \n\nI know I'm going to get some smart ass reply saying, "Well that's just common knowledge. You should always be planning." And I'd tell you the people parroting "Military service is good for the resume," and the people accepting that advice typically are not long term planning. They are putting a band aid on a current problem of finding a paying, reliable job. " AStrangerSaysHi (AStrangerSaysHi): "I'm just going to piggyback on your comment to reinforce the statement you made about officers having better options than enlisted. As someone who spent 6 years enlisted in a very specialized field (Cryptolinguist/SIGINT Analyst) I would have to say that planning it into your career is *vital*. Not having any interest in pursuing a career in that field after my service tanked a lot of options. My experience may be anecdotal, but it is a common theme amongst many of my veteran friends who didn't want to continue in their MOS-related civilian careers. " archnemesis23 (archnemesis23): "Sorry, I just had to comment, I was a cryptolinguist as well! \n" AStrangerSaysHi (AStrangerSaysHi): "Yay for DLI peeps!! Monterey was the best!" archnemesis23 (archnemesis23): "I hate it because I did not appreciate it while I was there....oh I miss the wharf!" AStrangerSaysHi (AStrangerSaysHi): "I was there when the fire took out Alvorado St. It was so sad. I miss living there, but I am fine if I never hear a chorus of seals at 5am ever again. " archnemesis23 (archnemesis23): "I was not there for that fortunately. I do not miss that walk up the hill at all"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Go to statefarm.com/careers they have a plethora of positions that only require a bachelor's degree and they don't put a lot of emphasis on the degree itself especially once you get your foot in the door. Not talking about working as an agent or in an agent's office but for the company." AnarchyBurger911 (AnarchyBurger911): "Second this. Adjusters make like $50k starting at some companies. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" Lmiller1776 (Lmiller1776): "Military Officer. I am a CW3 in the Army. Counting base pay, BAH, BAS and flight pay I make about 85k a year. The best parts are the free health care and a 20 year retirement. " kzpt (kzpt): "Needs to be higher. IMO military service is a good thing for the resume" ICBanMI (ICBanMI): "Military service is good to a point, but it varies with the job duty and current political climate. This needs to be stressed, rather than parroting "Service is good," all over the internet and in public. Military service is something that you need to plan into your career. \n\nOfficer experience is great, if your goal is a particular job is in the military. If your end goal is a job in the private sector... you're putting off your real career for 6-8 years at a minimum. Officers don't have that many problems getting back in to the private side, but enlisted personal were having problems until Congress and Obama put out huge tax incentives for hiring vets. This is like 4-5 years ago that it happened. The last war was pretty bad for vets.\n\nIf you're enlisted, a lot of the occupations don't typically lead to a career that is better after military service. If you choose something like truck driving or cook, you could have much quicker gotten in to those jobs without doing the military and made more money. If you choose something like combat engineer, you got great experience that would help out if you want to go back and do civil engineering in school plus a way to pay for it. Tho combat engineer is a terribly boring MOS with a lot of terrible moments. If you don't go to school for civil engineering or something construction... you're not in a better position when you leave the military. A career like IT specialist is great for enlisted personal, but not everyone qualifies for those. Remember the benefits weren't that good until the post 911 GI bill under Bush. Post 911 GI bill benefits were a band aid at the time for how vets were having trouble finding jobs. Those benefits do change, and I don't know if they got reduced last year. Things can change a lot in 4-8 years of active duty.\n\nWorse. If you get out early, and don't end up with a honorable discharge... it's almost as bad as going to prison when job searching. Employees do care about what type of discharge you get even if it's not legal to discriminate based on it.\n\n"Military service is good for the resume if you plan it around your career." If you're looking for any job, you're going to have mixed results. Know what you end goal is. \n\nI know I'm going to get some smart ass reply saying, "Well that's just common knowledge. You should always be planning." And I'd tell you the people parroting "Military service is good for the resume," and the people accepting that advice typically are not long term planning. They are putting a band aid on a current problem of finding a paying, reliable job. " napalmmlapan (napalmmlapan): "Do you know anyone who has actually gotten their BS in Civil Engineering and then gone into service as a combat engineer?\n\nI assume it would be good experience for construction management and wanted to serve, along with personal reasons. I keep getting mixed response about my route though, and wondered if you had any more on it. " ICBanMI (ICBanMI): "Combat engineer is an enlisted position. It's a nice title for someone who digs ditches(tank traps), puts up fences, lays out constantine wire, and occasionally gets to blow up obstructions. It's a pretty boring, lots of time outside military occupation in the army. \n\nWith a BS, you'd start as an officer. Officers do almost zero work towards their career. They spend all their time managing people. You have to do a very particular career track if you want your time in the military as an officer to count towards your career in the outside world-lawyer or pilot for example. You'd do no engineering as an officer. It wouldn't help you... unless you wanted to become something like a scientist for the military. After you finished your active duty as an officer, you wouldn't be any better off in your career if your end game is being a civil engineering or construction manager. You'd get a security clearance out of it, and have steady job history that is several years long. It's unlikely you'll use the security clearance, and the job history and management experience without having to do the military service. \n\nIf you got your BS, then became a pilot in the military, those flight hours would help you become a private pilot or get flight engineer positions at aerospace companies. You have a goal, and the job facilities your career. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" Lmiller1776 (Lmiller1776): "Military Officer. I am a CW3 in the Army. Counting base pay, BAH, BAS and flight pay I make about 85k a year. The best parts are the free health care and a 20 year retirement. " kzpt (kzpt): "Needs to be higher. IMO military service is a good thing for the resume" ICBanMI (ICBanMI): "Military service is good to a point, but it varies with the job duty and current political climate. This needs to be stressed, rather than parroting "Service is good," all over the internet and in public. Military service is something that you need to plan into your career. \n\nOfficer experience is great, if your goal is a particular job is in the military. If your end goal is a job in the private sector... you're putting off your real career for 6-8 years at a minimum. Officers don't have that many problems getting back in to the private side, but enlisted personal were having problems until Congress and Obama put out huge tax incentives for hiring vets. This is like 4-5 years ago that it happened. The last war was pretty bad for vets.\n\nIf you're enlisted, a lot of the occupations don't typically lead to a career that is better after military service. If you choose something like truck driving or cook, you could have much quicker gotten in to those jobs without doing the military and made more money. If you choose something like combat engineer, you got great experience that would help out if you want to go back and do civil engineering in school plus a way to pay for it. Tho combat engineer is a terribly boring MOS with a lot of terrible moments. If you don't go to school for civil engineering or something construction... you're not in a better position when you leave the military. A career like IT specialist is great for enlisted personal, but not everyone qualifies for those. Remember the benefits weren't that good until the post 911 GI bill under Bush. Post 911 GI bill benefits were a band aid at the time for how vets were having trouble finding jobs. Those benefits do change, and I don't know if they got reduced last year. Things can change a lot in 4-8 years of active duty.\n\nWorse. If you get out early, and don't end up with a honorable discharge... it's almost as bad as going to prison when job searching. Employees do care about what type of discharge you get even if it's not legal to discriminate based on it.\n\n"Military service is good for the resume if you plan it around your career." If you're looking for any job, you're going to have mixed results. Know what you end goal is. \n\nI know I'm going to get some smart ass reply saying, "Well that's just common knowledge. You should always be planning." And I'd tell you the people parroting "Military service is good for the resume," and the people accepting that advice typically are not long term planning. They are putting a band aid on a current problem of finding a paying, reliable job. " CommissionerSnakes (CommissionerSnakes): "I'm contracted in ROTC at my university. I was previously enlisted in the National Guard. I went to basic and AIT then worked for a summer then went to school. I currently am twenty years old and am completely independent. I have Tri-Care health care for 50 dollars a month, and make money while going to school. I haven't taken out a single loan and don't owe anyone money. If you are looking a way to pay for school and get real world experience, the ROTC route will get you real world experience on top of having a degree. You can pursue your degree focused career if you choose to contract in the reserve component. Great opportunities are out there if you just search. \n" ICBanMI (ICBanMI): "Thank you for the extremely well written advertisement.\n\nWhat is your occupation in the national guard and what is your end goal? \n"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Police officer, I remember when I was in Ithaca, I heard they got paid around $80k, and once officer took home over $100k in overtime and bonuses on top of their base salary one year. They're all unionized."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" Lmiller1776 (Lmiller1776): "Military Officer. I am a CW3 in the Army. Counting base pay, BAH, BAS and flight pay I make about 85k a year. The best parts are the free health care and a 20 year retirement. " kzpt (kzpt): "Needs to be higher. IMO military service is a good thing for the resume" ICBanMI (ICBanMI): "Military service is good to a point, but it varies with the job duty and current political climate. This needs to be stressed, rather than parroting "Service is good," all over the internet and in public. Military service is something that you need to plan into your career. \n\nOfficer experience is great, if your goal is a particular job is in the military. If your end goal is a job in the private sector... you're putting off your real career for 6-8 years at a minimum. Officers don't have that many problems getting back in to the private side, but enlisted personal were having problems until Congress and Obama put out huge tax incentives for hiring vets. This is like 4-5 years ago that it happened. The last war was pretty bad for vets.\n\nIf you're enlisted, a lot of the occupations don't typically lead to a career that is better after military service. If you choose something like truck driving or cook, you could have much quicker gotten in to those jobs without doing the military and made more money. If you choose something like combat engineer, you got great experience that would help out if you want to go back and do civil engineering in school plus a way to pay for it. Tho combat engineer is a terribly boring MOS with a lot of terrible moments. If you don't go to school for civil engineering or something construction... you're not in a better position when you leave the military. A career like IT specialist is great for enlisted personal, but not everyone qualifies for those. Remember the benefits weren't that good until the post 911 GI bill under Bush. Post 911 GI bill benefits were a band aid at the time for how vets were having trouble finding jobs. Those benefits do change, and I don't know if they got reduced last year. Things can change a lot in 4-8 years of active duty.\n\nWorse. If you get out early, and don't end up with a honorable discharge... it's almost as bad as going to prison when job searching. Employees do care about what type of discharge you get even if it's not legal to discriminate based on it.\n\n"Military service is good for the resume if you plan it around your career." If you're looking for any job, you're going to have mixed results. Know what you end goal is. \n\nI know I'm going to get some smart ass reply saying, "Well that's just common knowledge. You should always be planning." And I'd tell you the people parroting "Military service is good for the resume," and the people accepting that advice typically are not long term planning. They are putting a band aid on a current problem of finding a paying, reliable job. " AStrangerSaysHi (AStrangerSaysHi): "I'm just going to piggyback on your comment to reinforce the statement you made about officers having better options than enlisted. As someone who spent 6 years enlisted in a very specialized field (Cryptolinguist/SIGINT Analyst) I would have to say that planning it into your career is *vital*. Not having any interest in pursuing a career in that field after my service tanked a lot of options. My experience may be anecdotal, but it is a common theme amongst many of my veteran friends who didn't want to continue in their MOS-related civilian careers. " ICBanMI (ICBanMI): "> ...My experience may be anecdotal, but it is a common theme amongst many of my veteran friends who didn't want to continue in their MOS-related civilian careers.\n\nI grew up on a military base and that was pretty common. \n\nKnew a lot of people who retired after twenty years (e7 or e8), and they weren't any better off than someone else with constant employment when applying for jobs. And a lot of their management experience didn't translate to the private side (can't put your hands on someone). They had to start over their careers after exiting which entailed a large pay cut starting out."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" Lmiller1776 (Lmiller1776): "Military Officer. I am a CW3 in the Army. Counting base pay, BAH, BAS and flight pay I make about 85k a year. The best parts are the free health care and a 20 year retirement. " kzpt (kzpt): "Needs to be higher. IMO military service is a good thing for the resume" ICBanMI (ICBanMI): "Military service is good to a point, but it varies with the job duty and current political climate. This needs to be stressed, rather than parroting "Service is good," all over the internet and in public. Military service is something that you need to plan into your career. \n\nOfficer experience is great, if your goal is a particular job is in the military. If your end goal is a job in the private sector... you're putting off your real career for 6-8 years at a minimum. Officers don't have that many problems getting back in to the private side, but enlisted personal were having problems until Congress and Obama put out huge tax incentives for hiring vets. This is like 4-5 years ago that it happened. The last war was pretty bad for vets.\n\nIf you're enlisted, a lot of the occupations don't typically lead to a career that is better after military service. If you choose something like truck driving or cook, you could have much quicker gotten in to those jobs without doing the military and made more money. If you choose something like combat engineer, you got great experience that would help out if you want to go back and do civil engineering in school plus a way to pay for it. Tho combat engineer is a terribly boring MOS with a lot of terrible moments. If you don't go to school for civil engineering or something construction... you're not in a better position when you leave the military. A career like IT specialist is great for enlisted personal, but not everyone qualifies for those. Remember the benefits weren't that good until the post 911 GI bill under Bush. Post 911 GI bill benefits were a band aid at the time for how vets were having trouble finding jobs. Those benefits do change, and I don't know if they got reduced last year. Things can change a lot in 4-8 years of active duty.\n\nWorse. If you get out early, and don't end up with a honorable discharge... it's almost as bad as going to prison when job searching. Employees do care about what type of discharge you get even if it's not legal to discriminate based on it.\n\n"Military service is good for the resume if you plan it around your career." If you're looking for any job, you're going to have mixed results. Know what you end goal is. \n\nI know I'm going to get some smart ass reply saying, "Well that's just common knowledge. You should always be planning." And I'd tell you the people parroting "Military service is good for the resume," and the people accepting that advice typically are not long term planning. They are putting a band aid on a current problem of finding a paying, reliable job. " MuskyTaint (MuskyTaint): "Military service is also a full lifestyle change that's not good for all people. If you're the skeptical type who values independence and has a problem with authority, do not go into the military. If you hate waking up early in the morning and exercise, do not go into the military. I can keep going, but basically, not everyone should jump right into the military because some deem it to be a good career or job and the benefits. Two of my friends are in, one's a SFC and loves it, the other's a specialist going on his 6th year in and hates it, yet is holding off on getting out due to the lack of options he has on the outside (minus college)." sneakyfilthnuts (sneakyfilthnuts): "your friend has to know about the GI Bill! All he has to do is save up enough money to cover from when he gets out to that first check from the VA.\n\nI understand getting out of the military is scary, but that's why planning is so important." ICBanMI (ICBanMI): "He may not want to go to college. Or he might have already attempted it, and figured out it isn't for him. The better disciplines have high fallout rates. \n\nSame time... doing 4-8 years active duty, and then knowing you have to start 4-5 more years before staring his new career can be pretty discouraging. \n\nCould be any of these. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Speaking personally, I know of Arts majors (with varying levels of degrees - albeit all from top tier universities) who have jobs as consultants, project managers in tech firms, business analysts, investment bankers, various research jobs in government and industry, you name it."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Project Manager. A really awesome job that is sought after at most any company. All you need are strong organizational and interpersonal skills." GearsofPinata (GearsofPinata): "How can done go about getting those skills?" Crysack (Crysack): "You try to snag yourself a business analyst job or, if you're looking at tech/IT firms, some sort of support role and you try to work your way up into a senior position. Then you leverage that position to get certifications and the requisite experience."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" 4thAccountToday (4thAccountToday): "And at that point you were making almost 26,000 dollars a year." Self: "Depends on the company/organization! I started at $33,500 straight out of college, and am up to $40,000 less than two years later. Not the highest salary, but for someone in their early-mid twenties it's not bad at all. My employer (a private university) also does 3-4% annual raises." blabbitygabbity (blabbitygabbity): "I agree with this as I did it, too. Graduated with a degree in biology and started working (not in biology) at the university at base salary of $35k. We get ~$1500 raise every year or so. It's also a really great way to be an advocate for higher education, if that's important to you. " McDermottau75 (McDermottau75): "I'm curious because I have a sister who received her Bachelors in Wildlife Biology and is stuck at a job she does not want to do. She currently works at an environmental consulting company but her position has other people that do not have any educational experience beyond high school and some specialized training. \n\nShe told me that typically most biology or physical science jobs require a Masters degree or higher in a relevant field. She is in a grad school program right now at Houston Baptist University to get herself further in the career she wants. \n\nMy parents are a bit concerned for her because her income at work is less than $30k and she has already accumulated debt other than student loans just to house, feed, and get to and from work. I'm giving her money to help out from time to time (I did not go to college but work as a UPS truck driver). \n\nCollege-educated and non-college-educated seem to have a smaller disparity in pay than they used to. I make $38/hr+OT and I barely finish high school." geacps2 (geacps2): "tell her to drive a truck "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "My wife made high 30s-low 40s in quality assurance after she finished her undergrad majoring in biology. This company had a stated preference for science degrees, but wasn't too rigid about it. They gave annual raises, quarterly bonuses, and a generous year-end bonus too. Not a bad gig. Now she's a broke grad student."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Union electrician. I never can figure out why the whole world isn't union. Not sure where you live and like someone else said wages are location dependant. The entire country is going through a shortage of qualified trades people - because people go to college and get degrees that there are no jobs for." reiduh (reiduh): "I just "organized in" to my local, *a very good decision* (maybe not "the best" but still am very happy with my experience). I am studying PLC / logic so that I can push in to the 100k+ range within maybe a few years."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Hey man. I feel you. I graduated as a criminal justice major and I regret it in terms of job diversity. I recommend insurance. I was making... pretty low pay for 2-3 years after college (as in under 40k a year), and I just got into the insurance field for claims. They don't care about what degree you have for the most part as long as you have customer service experience. I previously worked at a law firm too (my last gig) so I had a ton of that and I worked at a restaurant during college. The pay is good, benefits is good, I would say look into it if you're interested. By the way I mean claims = salaried pay. Not sales, unless you're into that. I'm not personally." seansand93 (seansand93): "I'm also working in claims. Starting pay 50.5k, good benefits, 6% 401k match. Sure the job can be hectic because there's so many accidents, but it's pretty damn interesting! " Self: "Haha sounds like me! It's pretty interesting work. Can't says its boring. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Hey man. I feel you. I graduated as a criminal justice major and I regret it in terms of job diversity. I recommend insurance. I was making... pretty low pay for 2-3 years after college (as in under 40k a year), and I just got into the insurance field for claims. They don't care about what degree you have for the most part as long as you have customer service experience. I previously worked at a law firm too (my last gig) so I had a ton of that and I worked at a restaurant during college. The pay is good, benefits is good, I would say look into it if you're interested. By the way I mean claims = salaried pay. Not sales, unless you're into that. I'm not personally." PerilousAll (PerilousAll): "This is a better choice than most people realize. Once you get experience with bodily injury claims and litigation it's a lot better paid and really interesting. Plus, you will always have a job." Self: "Yeah and there's mobility which I love. There's as you said, litigation, there's complex claims, large causality losses, SIU if you're so incline. Plus they pay YOU to learn. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Passenger Train Conductor. It takes awhile, maybe about six years, but you can earn $35+ per hour and earn over $100k per year. It can also lead to a Train Enginner position which pays even more. When applying emphasize any safety training or experience you might have. Anything having to do with safety or observing rules or regulations will help." Toolooloo (Toolooloo): "How do you find openings for train conductor job?" Self: "Amtrak's website is a place to start. Also look at any commuter rail agency website. The United Transportation Union also has a website that will tell you about opennings in both passenger train conductor positions and freight train conductor positions."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Passenger Train Conductor. It takes awhile, maybe about six years, but you can earn $35+ per hour and earn over $100k per year. It can also lead to a Train Enginner position which pays even more. When applying emphasize any safety training or experience you might have. Anything having to do with safety or observing rules or regulations will help." Toolooloo (Toolooloo): "How do you find openings for train conductor job?" Mototropic (Mototropic): "Check on train companies websites (careers section) for open positions in your area. Here's a few companies that transport freight/passengers to get you started: \nNorfolk Southern\nCSX \nBNSF\nAmtrak \nCanadian Pacific\nUnion Pacific \n\nI work for Norfolk Southern as a Conductor, make sure you talk about how working safely is your #1 priority on your resume, hiring departments at train companies love it when you talk about safety. " Toolooloo (Toolooloo): "Thank you! Can you tell me if there are education requirements? Are there a lot of women conductors? \n\nDo you like what you do? If you don't mind me asking, what is a typical week like? Where do you travel? How exciting. My father was an industrial engineer for Southern Railway in the 70's/80's." Self: "There aren't any educational requirments, although they would probably prefer some college. I'd apply anyway and emphasize any safety experience or following any safety proceedures you've had.\n\nThere are loads of female train conductors today. \n\nIt's not a bad job, but it's not for everybody. When you hire out and don't have any seniority the hours can be hard on you. You typically work every weekend and holiday, early mornings, late in the evening and overnites. You don't always get to sleep at home. Say good-bye to your social life. \n\nI enjoyed it. It's certainly different. You accrue a lot of vacation time.\nThere are union benefits and the pay is great. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Hey man. I feel you. I graduated as a criminal justice major and I regret it in terms of job diversity. I recommend insurance. I was making... pretty low pay for 2-3 years after college (as in under 40k a year), and I just got into the insurance field for claims. They don't care about what degree you have for the most part as long as you have customer service experience. I previously worked at a law firm too (my last gig) so I had a ton of that and I worked at a restaurant during college. The pay is good, benefits is good, I would say look into it if you're interested. By the way I mean claims = salaried pay. Not sales, unless you're into that. I'm not personally." seansand93 (seansand93): "I'm also working in claims. Starting pay 50.5k, good benefits, 6% 401k match. Sure the job can be hectic because there's so many accidents, but it's pretty damn interesting! " PerilousAll (PerilousAll): "When you start to get burned out, look at handling commercial claims. If you go to a TPA you can get different clients and the claims are like the wild west compared to personal lines. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Damn I'm glad I dropped out of school and became a journeyman electrician after seeing what you guys are making after all the student loan debt" signalthree (signalthree): "This is what I've been trying to tell my son. I don't subscribe to the "you have to go to college to make anything of yourself" crowd. Skilled trademen are always in demand and can earn a great income if you are willing to learn and work hard. I love my boy, but he has struggled in high school. He spends too much time playing sports and chasing girls and doesn't apply himself to his school work. I don't see why that will change in college. Unfortunately his mother doesn't want to "spoil his dreams" and thinks it is perfectly okay for him to go tens of thousands of dollars in debt just so he can go to a "D1" school. " Self: "Check the BLS for electricians... We are at a 26% projected job growth. And master electricians make good money. Like, 250k if you have any ambition. And construction is a ton of fun." signalthree (signalthree): "Exactly. My father was an IBEW electrician. Unfortunately he suffered very serious injuries on a job site so he wanted me to have a white collar job. Did the whole "have to go to college" thing and now work in an office all day. Meanwhile some of my buddies are tradesmen and make better money than I do. Only they were paid under their apprenticeship while I blew $40 grand on college. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" 4thAccountToday (4thAccountToday): "And at that point you were making almost 26,000 dollars a year." HodeyHodey (HodeyHodey): "This is actually almost exactly what I did, but I started out around $25,000. Promoted within the first year due to competency and a willingness to take on more responsibility. After 4 years, I've gotten roughly a 70% raise. I'll most likely transfer the experience and skills to a new job in the next year." KingSlime_7 (KingSlime_7): "Shh, it's ruining the narrative that hard work doesn't pay off! We don't want that around here, sir.\n"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" 4thAccountToday (4thAccountToday): "And at that point you were making almost 26,000 dollars a year." Self: "Depends on the company/organization! I started at $33,500 straight out of college, and am up to $40,000 less than two years later. Not the highest salary, but for someone in their early-mid twenties it's not bad at all. My employer (a private university) also does 3-4% annual raises." blabbitygabbity (blabbitygabbity): "I agree with this as I did it, too. Graduated with a degree in biology and started working (not in biology) at the university at base salary of $35k. We get ~$1500 raise every year or so. It's also a really great way to be an advocate for higher education, if that's important to you. " presedentiallook (presedentiallook): "35k starting salary is not advocating higher education in the slightest " blabbitygabbity (blabbitygabbity): "The average salary for my state is between $22-23k. \nAnd we have one of the highest unemployment rates nationally. Only 60% of the students who graduate and are college eligible choose to continue their education. And that's the highest it's been in years. So I think working in higher education to improve student enrollment is a great way to advocate for higher ed. " struggleswithbuggles (struggleswithbuggles): "And this is why college is a scam for those who don't get STEM or demanded degrees " KingSlime_7 (KingSlime_7): "I'm not saying college is the greatest investment (certainly less and less every election cycle, it seems) but don't mislead people into a harder life. People without any degrees have it even harder. I know because I am the first person in my extended family to get a degree. \n\nSo yes, a college degree is not a doorway to a fulfilling career (those are earned with merit, children, not with a piece of paper from institutions with rapidly declining standards). But, for now anyways, it sure as hell makes a difference when it comes to general opportunities and average lifetime earnings. \n\nJust ask my cousins working at Home Depot. One might get to be a manager, that's what he's been working towards for years. Whereas it only took me one year to establish a solid client base for freelance writing with my dumb English degree, where I charge 3x per hour what he makes. I've also worked for giant tech companies such as Facebook and Cisco (at entry level gigs) making twice what he does with zero technical degrees or certs, just a BA (though I am a computer nerd). I wonder if they even look at resumes without degrees there? Pretty sure they go straight to the shredder.\n\nSucks for him, and I do wish him the best. But no thanks, I'll keep my scam degree."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" RoyalDecrees (RoyalDecrees): "Its sad that office manager is not really a career job anymore. Like wtf I run your entire office, no all the ins-and-outs of the space, keep everything running efficently, know all the coworkers, build atmosphere so people want to work here... but you just want to indefinately keep me freelance?" tealparadise (tealparadise): "> keep me freelance?\n\nwait, are they 1099ing you? That's just straight-up illegal and unusual. Not the norm at all. Get a new job where you don't work for tax-evading mercenaries." RoyalDecrees (RoyalDecrees): "It was a $900,000,000 subsidiary of L'Oreal - I don't think they were doing anything illegal. I left the job about two years ago and now work in a completely different state for an entirely new industry."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Oh man I am in the same boat at the moment.\n\n\nI went to law school but after a couple of years doing mind numbing paper work it's become clear that I have absolutely no desire to be a lawyer.\n\n\nI just want a job where I can make money and not be miserable.\n\n" spazzymcgee918 (spazzymcgee918): "So the amount of paper work as a lawyer was enough that you were miserable? Just finished a bachelors in bio and have been considering law school, but i see a lot of similar sentiment to yours" Self: "ehhh its more that i got sort of funneled into law school by my friends and family and im really more of a creative person.\n\n\nit was never a good fit, but it always seemed like a good option that made sense with my major, skill set, etc.\n\n\n\nbut yeah, i hate it."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "teacher, military, police, get certificates then work in IT" srareddit (srareddit): "How can OP be a teacher w.o. going back to school?" DovahkiinLivesMatter (DovahkiinLivesMatter): "As others have said, if you're in an area that has a need for teachers you can become emergency certified. That being said, it's a very unstable position because after the school year ends, they could drop you for someone with a teaching certificate. On the other hand, with a bachelors already, it's rather easy to complete a few more courses and pass the tests needed for full time certification." srareddit (srareddit): "While emergency certs are definitely a reality in some districts (and more so depending on the content area) alt cert programs can still be tedious and expensive so OP's "ANY bachelor's" situation wouldn't quite fit (I interpreted it as what can I do with current qualifications). "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" 4thAccountToday (4thAccountToday): "And at that point you were making almost 26,000 dollars a year." Shockedimpy (Shockedimpy): "I started my accounting admin career making $49k base salary...."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "I'm a tad late to that party but I have a great one for you. So no college is actually requited and people don't often agree with it but pizza delivery. My uncle did it for a decade and bought a house straight cash. I did it for several years and averaged $20 an hour after tips. Coupled with a high efficiency vehicle you can actually make money on your mileage reimbursement. \nNever let anyone twll you different, so long ad it isn't a shit town you make good money. \nOnly real downside is wear and tear on a car but I always came out ahead." jmacupdates1 (jmacupdates1): "Delivering is a great side gig, but I'm not sure I'd want to do it full time. You have to work non-desirable hours and benefits aren't exactly plentiful" Self: "Fair enough, just throwing it out there as it does make good money. The desirable hours thing is a flip for it much like bartending/serving as the worst nights to be working are the most profitable." TurboFucked (TurboFucked): "> Fair enough, just throwing it out there as it does make good money.\n\nHow much money you *really* make comes down your car. If you are driving around in an 10-15 year old Civic, Prius, or other super cheap car, **and** do all your own maintenance, then yeah, you can make a decent hourly rate (plus free food). But if you drive a nicer, or newer car, then after maintenance and depreciation, you're not making much more than the cooks.\n\nAnd you're supposed to carry commercial insurance ($$$$) if you deliver pizza. If you don't and get into an accident on the job, the there's a chance the company won't cover you. Being held liable for an accident probably isn't an issue for a judgement-proof 18 year old, but it's a big deal to an older person with assets.\n\nhttps://www.esurance.com/info/car/myth-commercial-car-insurance-policies-are-not-just-for-big-business\n\n" Self: "I mean you just summed it up, you do your own work and have a reliable cheap to drive car. Commercial insurance isn't ridiculously expensive. None of that changes that it can be quite the profitable job. Why do you assume people who deliver don't have assets? That's a huge assumption, many of them own their own homes, cars, other businesses etc. The simple fact that people can have it as a side job or even full time and still make more than some college graduates speaks volumes. It's a market that's never saturated. \nYes there are situations where it is going to make you less than $10/hr but then there's ideal situations where you are in the best neighborhood and constantly doing company parties where you can make $300 in a weekend in tips. If you find the absolute right place and companies that always order out every week you can make even more. \nThe job has limitless potential and also has the chance to suck out loud. You have to judge the area and your car.\nCan't say I haven't blown up a few $500 cars delivering for 6 months and just bought a new one. I made enough to..." TurboFucked (TurboFucked): "> None of that changes that it can be quite the profitable job. Why do you assume people who deliver don't have assets? \n\nI don't assume that anywhere. I delivered pizzas for a long time and saw lots of older people with assets.\n\nWhat I actually said: \n\n> Being held liable for an accident ***probably isn't an issue for a judgement-proof 18 year old***, but ***it's a big deal to an older person with assets***.\n\nTranslation: you should carry commercial insurance if you have any assets to protect." Self: "Must have misread that in some way. I never advocated against it just that my insurance nor job said anything to me about it."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "If I can piggy back, how on earth do I get into admin roles? I'd like to have an office job but getting my food in the door seems impossible! everyone wants multiples of years experience." Riimii (Riimii): "Look for temp-to-perm jobs on sites like Robert Half."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Teach English in Asia. If you live even the tiniest bit within your means you will not only save a bundle of cash but also experience another culture and be able to easily afford travel to neighboring countries. " ts159377 (ts159377): "Can you elaborate? This interests me" mormantrops (mormantrops): "I'm currently in Vietnam standard pay is around $20 dollars an hour. My friend arrived last Friday and I helped him find a job to start on Tuesday. Very easy to get a job all you need is a tefl. " david13702 (david13702): "Isn't $20 a lot in Vietnam? Any problems transferring it to the states " mormantrops (mormantrops): "20 an hour is crazy money here. average wage for a Vietnamese person is about $200 a month. I only work Tuesday to Thursday and I can still easily save money. " david13702 (david13702): "Any tips on getting started? Should I just take the TEFL test and go from there? " mormantrops (mormantrops): "Yeah there are a few different options for tefls. If you do a celta you can get over $25 an hour but it's around $2000 dollars and takes a month. The online ones are fine especially if you have a degree. There are language centers that run all year round so no matter when you come over there are always hours available but you'll have to work evenings and weekends in the language centers. Public schools have a summer break during June to August. Im working in public schools now but in the summer I was in a language center. I've been here a year in January. Originally I wanted to come over for a year but now I don't plan on going home any time soon. Hope this helps best of luck. " david13702 (david13702): "Yea thanks! Should be finishing up my degree soon so I was exploring this for a potential gap year or two till I figure things out. Kinda want the cheapest optin right now "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Try to find some time of administrative work (admin asst, office manger, etc) in a field that you're interested in. It's a good way to get some experience in field that's more relevant to your new career goals, as well as shake some hands that could lead to a "career job".\n\nMy undergrad degree is in sociology, and I took the administrative route to get my foot in the door while I'm in grad school. Started as a staff assistant and was promoted to a different department after a year and got a $6,500 raise. Good luck!" Lmiller1776 (Lmiller1776): "Military Officer. I am a CW3 in the Army. Counting base pay, BAH, BAS and flight pay I make about 85k a year. The best parts are the free health care and a 20 year retirement. " kzpt (kzpt): "Needs to be higher. IMO military service is a good thing for the resume" ICBanMI (ICBanMI): "Military service is good to a point, but it varies with the job duty and current political climate. This needs to be stressed, rather than parroting "Service is good," all over the internet and in public. Military service is something that you need to plan into your career. \n\nOfficer experience is great, if your goal is a particular job is in the military. If your end goal is a job in the private sector... you're putting off your real career for 6-8 years at a minimum. Officers don't have that many problems getting back in to the private side, but enlisted personal were having problems until Congress and Obama put out huge tax incentives for hiring vets. This is like 4-5 years ago that it happened. The last war was pretty bad for vets.\n\nIf you're enlisted, a lot of the occupations don't typically lead to a career that is better after military service. If you choose something like truck driving or cook, you could have much quicker gotten in to those jobs without doing the military and made more money. If you choose something like combat engineer, you got great experience that would help out if you want to go back and do civil engineering in school plus a way to pay for it. Tho combat engineer is a terribly boring MOS with a lot of terrible moments. If you don't go to school for civil engineering or something construction... you're not in a better position when you leave the military. A career like IT specialist is great for enlisted personal, but not everyone qualifies for those. Remember the benefits weren't that good until the post 911 GI bill under Bush. Post 911 GI bill benefits were a band aid at the time for how vets were having trouble finding jobs. Those benefits do change, and I don't know if they got reduced last year. Things can change a lot in 4-8 years of active duty.\n\nWorse. If you get out early, and don't end up with a honorable discharge... it's almost as bad as going to prison when job searching. Employees do care about what type of discharge you get even if it's not legal to discriminate based on it.\n\n"Military service is good for the resume if you plan it around your career." If you're looking for any job, you're going to have mixed results. Know what you end goal is. \n\nI know I'm going to get some smart ass reply saying, "Well that's just common knowledge. You should always be planning." And I'd tell you the people parroting "Military service is good for the resume," and the people accepting that advice typically are not long term planning. They are putting a band aid on a current problem of finding a paying, reliable job. " Crapwagonz (Crapwagonz): "It all depends on what job you pick in the military. Navy nuke is pretty good job experience. You'll very likely walk away with a 6 figure job in the civilian world. Guy who cooks food won't get a good job, but it still isn't bad, because now he gets to go to college with the gi bill... " ICBanMI (ICBanMI): ">It all depends on what job you pick in the military. Navy nuke is pretty good job experience. \n\nIf you want to stay working around nuclear power plants... yes. If you transfer out to anything not engineering, that background is not helping you at all be competitive. The experience doesn't transfer. With a college degree, he's got some good experience over other applicants... but that's dependent on him finishing college. Most jobs don't care about hard disciplines in the military.\n\n> Guy who cooks food won't get a good job, but it still isn't bad, because now he gets to go to college with the gi bill...\n\nThe Gi Bill has been around for a couple of decades, but it changes. It might not be the same by the time he finishes active duty. He's taking a chance on the fact that he will succeed at college. Plenty of vets that found college wasn't for them." Crapwagonz (Crapwagonz): "Of course the nuke job is going to be applicable to engineering type jobs. Why would you choose that job if you didn't want to go into it out of the navy? Those are the types of jobs that pay well. The opportunities to succeed in the civilian world are there in the military. The GI bill changes, but it has always paid for college. Again, you aren't going to join the military for the GI bill unless you actually want to go to college. There isn't going to be anything in the world where you go into it and it sets you up for any job you would like. " ICBanMI (ICBanMI): "If you're not doing something related to nuclear or civil, the experience means almost nothing to other engineering disciplines. \n\n> Why would you choose that job if you didn't want to go into it out of the navy? \n\nI know a lot of people who after 6-8 years in decided they didn't want to do it anymore. It's very common sediment amongst vets. They retire from active duty and figure out they have to do 4-5 years of college.... or they going to be working long hours as a pipe fitter or other trade-which is terrible work. They pay well, but screw that noise. If they don't go for those trades, they are only marginally better off than anyone else that held a job for 6-8 years. Why are they only marginally better off? Because the decent paying jobs today are typically requiring some type of degree as a job requirement-and military experience isn't counted at that. \n\nRecruiters do often tell their recruits that 4-5 years in military equals a bachelors degree, but employers don't treat it that way. The only thing that helped vets out of that 'job experience' hole was the tax incentives.\n\nYou keep parroting paid for college, but you're still gambling if you're going to finish. Post 911 GI Bill allows you get some living expenses paid for, but that's one of the parts most likely to change. So you're going to be working part-time while attending(nothing unsual), but hard to step back in pay and accept. Same time, vets fall out at just slightly higher numbers than regular people who go straight to college/trade school. That's putting your career off for 6-8 years active duty, and then another 4-5 years for college. People DO get cold feet and people do change their minds. \n\n> There isn't going to be anything in the world where you go into it and it sets you up for any job you would like.\n\nIt's just experience on a resume. Nothing more, nothing less. If you plan it well, and stick to it. Yes. If you choose the wrong occupation, your careers options when you get out can be extremely limited/non-existent. At worst, you get a job that you could have done for more money and better hours on the outside. At best, you do your active duty in one of the few fields that doesn't require an education, IT for example, finish and then go right in the work force making decent money. Considering there is one IT person per 40 people in most companies, that's a lot of people that are not in that golden area. Most GI's don't have a clue what their prospects are when they finish.\n\nEven people who go straight to college after highschool get in to their career, and then decide they don't want to do it anymore."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "BART janitor in SF bayarea" sgtbrecht (sgtbrecht): "Welp, those guys earn six-figures but good luck finding a spot.." agenthondo (agenthondo): "Ignorance. There was a SINGLE janitor that pulled off 2500 hours of overtime in a year.\n\nThe janitors make $50k, which isn't necessarily bad, but it is the S.F. Bay Area after all and $50k isn't big living by any means.\n\nI'm an electronics technician, in the highest non-management pay band. I'm not even breaking six figures. And there is very little overtime available in my department.\n\nEdit: Keep in mind what the BART janitors have to clean up, too. Exposure to all bodily fluids, risk of needle sticks, literally the nastiest things you can imagine. Is that worth $50k a year to you? Maybe, but not for me." gRod805 (gRod805): "Thousands of people would disagree with you as seen by the thousands of applications received for a couple openings. And most people working at BART get OT so saying they get paid $50K a year is disingenuous at best. \n" agenthondo (agenthondo): ""Most people working at BART get OT..."\n\nHow do you know this? Because I can tell you from experience, that's far from the truth."

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Union electrician. I never can figure out why the whole world isn't union. Not sure where you live and like someone else said wages are location dependant. The entire country is going through a shortage of qualified trades people - because people go to college and get degrees that there are no jobs for." and_then___ (and_then___): "IBEW utility guys here in NJ easily make 100k; 150k with moderate OT. They typically reach top pay in only a few years. Unionized public utility/trade skill jobs are where it's at. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Police Officer. Some large agencies recruit from all over (Austin TX, Las Vegas Metro PD, LAPD, etc) and typically pay well. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Teach English in Asia. If you live even the tiniest bit within your means you will not only save a bundle of cash but also experience another culture and be able to easily afford travel to neighboring countries. " ofHouseKoerwer (ofHouseKoerwer): "I did five years in Asia. Best decision I ever made. Parlayed it into a good administrative job, now make bank working in marketing. Skills you can learn from teaching abroad: how to be adaptable, how to speak comfortably in front of people, how to communicate with people who don't speak much/any of your language, how to manage your time, work with minimal oversight, make friends in a new place, learn a new language. 10/10, would recommend to anyone." crazymudman123 (crazymudman123): "A little late but how did you go about finding that position?"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "Inside Sales. \n\nYou have a guaranteed salary plus commission, and if you're okay with putting in the work you will move up very fast. The enterprise level, typically top tier, is where the big commission is. \n\nI'd consider it. Where I live, many of them have a tech start up feel with free work space and music playing. You really just have to be able to cold call day in and day out. \n\nIf you think you could handle it, a straight up sales job will bring good money. But I don't know if you live in an area with a good economy or if you have the desire to get into sales. It's not exactly steady, but there's opportunity to make a lot of money. " Rickles360 (Rickles360): "I'm starting an Inside Sales career next week with a solar company(graduated over the summer). I'm not positive I'll like it, but if I do what is the upward mobility for these kinds of positions like? Do the skills transfer well into other categories should I want to get out of sales?" Self: "Congratulations! \n\nI'd be willing to bet it's pretty good. Employers usually like when a candidate has lived the nitty gritty of sales of any kind. You have to have a certain skill set just to do that job.. that many people don't possess. \n\nI'm from Nashville, and most people work in inside sales for the big licensing firms -BMI, ASCAP and SESAC so that they can eventually go to work for a label or something. Working at a label is incredibly different from inside sales.... but that's a very common path in Nashville to get into the industry. \n\nI think it's a good place to start and an amazing springboard. It doesn't limit you. If you stay, there's money to be made eventually. If not, you've got some valuable experience that could help you in any field, and you're a hotter commodity than a fresh grad. Best of luck to you! " Rickles360 (Rickles360): "Thanks!"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "All these people saying do this, do that you'll be making 100K a year. I'm curious how much you guys actually make? 100K a year is more than 8K a month, how is this possible even with a degree?" DocSpit (DocSpit): "Pfft. You can make that kind of money WITHOUT a degree. Coal/oil/gas industry routinely pays out 6 figure incomes even at the lower levels, depending on your location. No experience, new hire; I was making $5,500 a month after taxes just working 2 weeks. I literally did not know how to spend all the money I was making, and I was the lowest paid guy on the rig.\n\nHeck, if you're willing to put in the hours, you can make over $100k as a garbage man in New York City! Get a CDL and put in the hours and you'll get close to that figure too just driving a truck.\n\nUnless the field you are going into specifically requires a degree for insurance/credential reasons(medical/engineering), there's little point in getting one if all you're out to get is a high paying job." I_like_cool_shit_yo (I_like_cool_shit_yo): "How did you get your job on the rig? Did you have to know someone? I would gladly spend the time and energy to work hard in an environment that would pay me this well" DocSpit (DocSpit): "Back when gas was over $3/gal, they were hiring people in job lots. You just had to show up to the 'job fair' the drilling company was hosting and not be on drugs. It was literally that easy.\n\nGas is cheaper these days, and I know they're not hiring nearly as many people because of it, but you should be able to find info at the company's websites.\n\nA few companies to check out(not sure where you live):\nPatterson-UTI\nFalcon Drilling\nViking Drilling" I_like_cool_shit_yo (I_like_cool_shit_yo): "Thanks for the info! It's always good to keep options open"

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "IT Sales. Amazing pay, huge job demand, the capacity to earn six figures in a few years, interesting work. Try and get into software and consulting sales though over hardware. "

User (cirelakotna): "Sorry if this isn't the right place to post this in but saw a similar thread recently.. I graduated with a Bachelors in Crim Justice/Minor in Sociology, and am working as a paralegal at a small firm now. The pay isn't terrible but also not too good and I'm not very happy where I am now. Basically, it's not worth the small amount of money I make and I'm at a bit of a crossroads on figuring out exactly what I want to do. Regretting my area of study a bit now.\n\nAny advice on decent paying jobs that generally hire based off simply having any bachelors degree? \n\nTIA." Self: "I work in the restaurant industry. I make good money and my degree has absolutely nothing to do what my job. I work in the corporate office opening up new locations and overseeing existing franchises. It's a ton of fun." BlaseBB (BlaseBB): "Sorry for the late reply but, how did you get into that?"

User (akaganyaku): "A little background: 22 years old, college graduate, new job, no debt, have roughly 20k just doing nothing in checking account (I know I know), living at home (will likely be living at home for awhile, maybe a few years, just to avoid paying rent), salary is 66k/yr, with employer matching 6% of salary.\n\nI currently contribute 6% to get the company match, but I am probably going to start maxing out my 401k and will set up an IRA and max that out as well. \n\nWith that being said, I feel like a more aggressive approach is right for me, due to my expenses being low still being able to live at home.\n\n My current plan is set up with JPMCB SmartRetirement DRE 2050 CF10 and I was just wondering if anyone could advise if I should stick with this target date fund, or pick one of these for my investment allocation.\n\nJPMCB SmartRetirement DRE Income CF10\n\nJPMCB SmartRetirement DRE 2015 CF10\n\nJPMCB SmartRetirement DRE 2020 CF10\n\nAmerican Funds EuroPacific Gr R6\n\nAmerican Funds New Perspective R6\n\nDFA Emerging Markets I\n\nDFA US Targeted Value I\n\nHartford Small Cap Growth HLS IA\n\nPrincipal MidCap Inst\n\nJPMorgan Large Cap Growth R5\n\nLoomis Sayles Value Y\n\nUS SmartIndex\n\nBalanced Fund\n\nPIMCO Total Return Admin\n\nVanguard Shrt-Term Infl-Prot Sec Idx Ins\n\nT Rowe Price Stable Value Common Trust B\n\nI'm personally leaning more towards something volatile/something that will track the market. Let me know what you think.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n" Self: "You may find these links helpful:\n\n- [401(k) Fund Selection Guide](http://www.reddit.com/r/personalfinance/wiki/401k_funds)\n- [401(k) FAQs](http://www.reddit.com/r/personalfinance/wiki/401k)\n- ["How to handle $"](http://www.reddit.com/r/personalfinance/wiki/commontopics)\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"

User (akaganyaku): "A little background: 22 years old, college graduate, new job, no debt, have roughly 20k just doing nothing in checking account (I know I know), living at home (will likely be living at home for awhile, maybe a few years, just to avoid paying rent), salary is 66k/yr, with employer matching 6% of salary.\n\nI currently contribute 6% to get the company match, but I am probably going to start maxing out my 401k and will set up an IRA and max that out as well. \n\nWith that being said, I feel like a more aggressive approach is right for me, due to my expenses being low still being able to live at home.\n\n My current plan is set up with JPMCB SmartRetirement DRE 2050 CF10 and I was just wondering if anyone could advise if I should stick with this target date fund, or pick one of these for my investment allocation.\n\nJPMCB SmartRetirement DRE Income CF10\n\nJPMCB SmartRetirement DRE 2015 CF10\n\nJPMCB SmartRetirement DRE 2020 CF10\n\nAmerican Funds EuroPacific Gr R6\n\nAmerican Funds New Perspective R6\n\nDFA Emerging Markets I\n\nDFA US Targeted Value I\n\nHartford Small Cap Growth HLS IA\n\nPrincipal MidCap Inst\n\nJPMorgan Large Cap Growth R5\n\nLoomis Sayles Value Y\n\nUS SmartIndex\n\nBalanced Fund\n\nPIMCO Total Return Admin\n\nVanguard Shrt-Term Infl-Prot Sec Idx Ins\n\nT Rowe Price Stable Value Common Trust B\n\nI'm personally leaning more towards something volatile/something that will track the market. Let me know what you think.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n" Self: "Blech. Gag. Barf.\n\nThat's a horrible target date fund, at 1.55% expense ratio and a 1% load. \n\nCheck the expense ratios on your other options, and report back with any below 0.5%. It probably will be a short list. " Econ0mist (Econ0mist): "Doing a bit of Googling, it seems the Smart Index fund (run by JP Morgan) charges 0.35% and mostly tracks the S&P 500.\n\nI'd need to know more about the "Balanced Fund" (run by whom? ticker symbol?) but a reasonable starting allocation for a very young investor would be:\n\n30% American Funds New Perspective R6 (ER 0.45)\n\n10% DFA Emerging Markets I (ER 0.57)\n\n10% DFA US Targeted Value I (ER 0.37)\n\n50% US SmartIndex (assuming the ER is 0.35)" User (akaganyaku): "What makes you choose to allocate however much to each fund?" Econ0mist (Econ0mist): "I start with a 100% stock portfolio because of your age. It's reasonable to split this 2/3 US, 1/3 outside US. But your US investment options are cheaper, so I gave some extra weight to US investments in that suggested allocation."

User (budl): "So.. I want to max out my contributions to my 401k. And can only put in a whole number percentage. (I called the benefits help line and they aren't going to help) and I have a self diagnosed mild case of OCD which is driving me nuts.\nIt's not an easy calculation given that i get a yearly raise with a varying bonus and tens of thousands in overtime. The OT and the bonus, add to the contribution and also get matched. I do know that the company match does NOT count towards the contribution limit.\nAnyway, I'm not looking for help with the math but am looking for guideline tips on how to make this work. \nAssume I'll be okay with contributing up to 50% for as long as it takes.\nBonus question: What happens if i over contribute? \nAnother bonus: my HSA contributions are also screwed up because i have to contribute a whole number per pay period. (Multiples of $26...) I must have OCD. So I'm contributing $3330 of $3350... Not going to cry over spilt milk on this one." Self: "You may find these links helpful:\n\n- [401(k) Fund Selection Guide](http://www.reddit.com/r/personalfinance/wiki/401k_funds)\n- [401(k) FAQs](http://www.reddit.com/r/personalfinance/wiki/401k)\n- ["How to handle $"](http://www.reddit.com/r/personalfinance/wiki/commontopics)\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"

User (budl): "So.. I want to max out my contributions to my 401k. And can only put in a whole number percentage. (I called the benefits help line and they aren't going to help) and I have a self diagnosed mild case of OCD which is driving me nuts.\nIt's not an easy calculation given that i get a yearly raise with a varying bonus and tens of thousands in overtime. The OT and the bonus, add to the contribution and also get matched. I do know that the company match does NOT count towards the contribution limit.\nAnyway, I'm not looking for help with the math but am looking for guideline tips on how to make this work. \nAssume I'll be okay with contributing up to 50% for as long as it takes.\nBonus question: What happens if i over contribute? \nAnother bonus: my HSA contributions are also screwed up because i have to contribute a whole number per pay period. (Multiples of $26...) I must have OCD. So I'm contributing $3330 of $3350... Not going to cry over spilt milk on this one." Self: "Most deferral payroll systems automatically cut off at $18000, you can confirm your employer's does so with your friendly HR rep; therefore there is no reason not aggressively defer. In this case, excess deferrals are not deferred (and end up in your paycheck)\n\nExceptions might be 1) a non-computerized payroll system or 2) if you've contributed an amount to another 401k this year (e.g. at a different employer), which this employer could not be privy to. Excess deferrals in this case must be refunded and you must deal with it on your income taxes.\n\nThough missing the maximum limit is by a small amount is trivial in the big picture, hitting it really satisfies the [OCPD](https://en.wikipedia.org/wiki/Obsessive%E2%80%93compulsive_personality_disorder#Obsessive.E2.80.93compulsive_disorder) sweetspot. Congrats on maxing out your 401k! It is a feat few folks muster.\n" PoopyDoopie (PoopyDoopie): "The problem with hitting the max early is that he would no longer get the employer match for the rest of the year, since he is no longer contributing until the end of the year." kayoss_ (kayoss_): "OP can get close. Let's say OP needs to put in exactly 17.2% throughout the year. OP can put in 18% and just have the last contribution be reduced."

User (budl): "So.. I want to max out my contributions to my 401k. And can only put in a whole number percentage. (I called the benefits help line and they aren't going to help) and I have a self diagnosed mild case of OCD which is driving me nuts.\nIt's not an easy calculation given that i get a yearly raise with a varying bonus and tens of thousands in overtime. The OT and the bonus, add to the contribution and also get matched. I do know that the company match does NOT count towards the contribution limit.\nAnyway, I'm not looking for help with the math but am looking for guideline tips on how to make this work. \nAssume I'll be okay with contributing up to 50% for as long as it takes.\nBonus question: What happens if i over contribute? \nAnother bonus: my HSA contributions are also screwed up because i have to contribute a whole number per pay period. (Multiples of $26...) I must have OCD. So I'm contributing $3330 of $3350... Not going to cry over spilt milk on this one." Self: "Most deferral payroll systems automatically cut off at $18000, you can confirm your employer's does so with your friendly HR rep; therefore there is no reason not aggressively defer. In this case, excess deferrals are not deferred (and end up in your paycheck)\n\nExceptions might be 1) a non-computerized payroll system or 2) if you've contributed an amount to another 401k this year (e.g. at a different employer), which this employer could not be privy to. Excess deferrals in this case must be refunded and you must deal with it on your income taxes.\n\nThough missing the maximum limit is by a small amount is trivial in the big picture, hitting it really satisfies the [OCPD](https://en.wikipedia.org/wiki/Obsessive%E2%80%93compulsive_personality_disorder#Obsessive.E2.80.93compulsive_disorder) sweetspot. Congrats on maxing out your 401k! It is a feat few folks muster.\n" User (budl): "Thanks. I just got a promo, and figured i would finance maxing this out. :). Oh so it is called ocpd... Nice."

User (budl): "So.. I want to max out my contributions to my 401k. And can only put in a whole number percentage. (I called the benefits help line and they aren't going to help) and I have a self diagnosed mild case of OCD which is driving me nuts.\nIt's not an easy calculation given that i get a yearly raise with a varying bonus and tens of thousands in overtime. The OT and the bonus, add to the contribution and also get matched. I do know that the company match does NOT count towards the contribution limit.\nAnyway, I'm not looking for help with the math but am looking for guideline tips on how to make this work. \nAssume I'll be okay with contributing up to 50% for as long as it takes.\nBonus question: What happens if i over contribute? \nAnother bonus: my HSA contributions are also screwed up because i have to contribute a whole number per pay period. (Multiples of $26...) I must have OCD. So I'm contributing $3330 of $3350... Not going to cry over spilt milk on this one." Self: "Most deferral payroll systems automatically cut off at $18000, you can confirm your employer's does so with your friendly HR rep; therefore there is no reason not aggressively defer. In this case, excess deferrals are not deferred (and end up in your paycheck)\n\nExceptions might be 1) a non-computerized payroll system or 2) if you've contributed an amount to another 401k this year (e.g. at a different employer), which this employer could not be privy to. Excess deferrals in this case must be refunded and you must deal with it on your income taxes.\n\nThough missing the maximum limit is by a small amount is trivial in the big picture, hitting it really satisfies the [OCPD](https://en.wikipedia.org/wiki/Obsessive%E2%80%93compulsive_personality_disorder#Obsessive.E2.80.93compulsive_disorder) sweetspot. Congrats on maxing out your 401k! It is a feat few folks muster.\n" PoopyDoopie (PoopyDoopie): "The problem with hitting the max early is that he would no longer get the employer match for the rest of the year, since he is no longer contributing until the end of the year." Self: "It depends how the employer match is structured. As always, consult your friendly HR representative who can reference the plan documents."

User (Ahren09): "Hello Personal Finance Subreddit members,\n\nI am asking on behalf of my mother, who is currently having trouble finding insurance that works.\n\nJust a bit of a background: We currently are a member of an insurance company that has a deductible of $3,000, which will allow them to pay 80%. However, we also have a cap before they will pay all of the costs, which is $8,000. Our monthly fee is above $450 and we are not getting anything out of it.\n\nThe real issue: Currently, my mother has had some issues as her doctor discovered a tumor that is growing on her thyroid. This tumor has seemed to grow over the past few months, and this is quite an issue. The doctor quoted her at around $10,000, which would still leave us with $2,000 to $5,000 to pay. We can not afford this right now as my dad is currently seeking employment after being laid off after 15 years of service at his workplace. Not only does my mother have this procedure, she also needs more diagnostic procedures done, which will total another $4,000.\n\nI do not know how to help her as I do not make enough to help buffer the costs. We need another health option rather than Metlife. We need a cheap plan, but we are at the ends of ideas.\n\nIf there are any suggestions for this, please leave a comment. I really appreciate it. Thanks personal finance members,\n\n-Ahren09" Self: "Almost any plan will have a deducible, it's just how they roll.\n\nIf they have a low deductible like $1500, then the premiums will probably be close to $1000/month. You could look around at the health care exchange to see if you qualify for premium subsidies, this is open enrollment season.\n\nGood luck to you and to her. " User (Ahren09): "I will have to look into that. I just find it crazy how expensive deductables have become. Thanks for the help!"

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "The bank will definitely bother you about it.\n\nYou'd usually need an appraisal to get PMI lifted. It's probably a win for you to do that, but you'd have to run the numbers.\n\nhttp://www.bankrate.com/finance/mortgages/removing-private-mortgage-insurance.aspx" hppyjnny (hppyjnny): "Depends on what type of loan you have. Pull your loan docs to see the PMI rules."

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "Some mortgages (i.e., FHA) don't let you get rid of FHA by paying down the value of the home. So check with your lender first. As for the escrow, I'm surprised the bank hasn't notified you that your payment will increase. That's usually what happens. As long as nothing is coming out soon, you're fine, but if not, you probably keep a lot better track of that than your bank." olaHalo (olaHalo): "Depends on when you got the loan. Older FHA loans do allow you to get rid of PMI by paying down."

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "The bank will definitely bother you about it.\n\nYou'd usually need an appraisal to get PMI lifted. It's probably a win for you to do that, but you'd have to run the numbers.\n\nhttp://www.bankrate.com/finance/mortgages/removing-private-mortgage-insurance.aspx" User (Starsy): "Huh, that's odd -- I've spoken with the bank about that and they're the ones who told me I need to pay down to 80% to be rid of PMI.\n\nWe've had radically different appraisals (the lowest appraisal is 60% of the value of the highest appraisal), so hopefully another appraisal won't be needed.\n\nThanks!"

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "Some mortgages (i.e., FHA) don't let you get rid of FHA by paying down the value of the home. So check with your lender first. As for the escrow, I'm surprised the bank hasn't notified you that your payment will increase. That's usually what happens. As long as nothing is coming out soon, you're fine, but if not, you probably keep a lot better track of that than your bank." User (Starsy): "Got it, thanks! No big deal if it does, I'm just in no rush to deal with it if they're not in any rush either ;)\n\nI've spoken with the bank about that and they're the ones who told me I need to pay down to 80% to be rid of PMI, so hopefully that's the case."

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "My bank told me that if I took a loan with PMI, the minimum term was 2 years even if I paid down faster. You should check your loan docs and with the bank before you sink your cash into the mortgage." User (Starsy): "Good to know, thank you!"

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "Not sure if you can do this at your stage of the process, but can you find your PMI balance for the actual premium and just pay that?\n\nEx). When I bought my house I had PMI. I knew I wanted to be here for 10+ years so I asked if instead of having PMI if I could just pay the policy up front.\n\nI did the math and it worked out. PMI policy up front was something like 4k. My PMI payment would have been $100/month for 5 years give or take. \n\nIn my long term view I am saving money. (About 2k). The downside is I didn't put that 4K towards principle. However since I want to be here for the long haul, I feel it was worth it.\n\n" User (Starsy): "Interesting! I'll ask, thanks!"

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "I second the idea of checking your loan docs. Some mortgages won't allow you to drop the PMI early, even if you pay down the mortgage to 80% LTV early, because the PMI will only drop off after the amortization schedule would have you at 80% LTV.\n\nSome mortgages will let you get a new appraisal and if the new home value is high enough to give you 20% equity, the PMI will drop (you have to pay for the appraisal, no matter the result though)"

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "I did this. Long story short, we bought a new house before we sold our old house, so we couldn't avoid PMI from the get-go, but we paid down our loan to 79.9% of the appraised value of our home as soon as we sold our old house. We had to go back and forth with the bank a few times to get them to take PMI off the loan (Conventional), but eventually (one month after the pay down), they took it off. They really didn't want to, though. If you don't do something about it, call them, bother them, don't count on them automatically dropping your PMI once it dips below 80% - so you should keep an eye on it yourself (sounds like you already do).\n\nPersonally, we are setup much like you with a safety net in other regards, so the payout from selling our old home could have either just sat in an account somewhere (retirement, investments) or saved us $150/month for the next 7 years. It seemed worth it to me. \n\nIn regards to your escrow account - this has happened to me a few times. Every once in a while, the bank underestimates your taxes or homeowner's insurance (although, they should notify you of changes to this), and your escrow account goes negative. They'll probably either adjust your mortgage payment to ensure this doesn't happen next year, or ask for you to front the difference to keep your payment the same."

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "if your earnings are so excellent, why didnt you have anything to put down on the mortgage?" User (Starsy): "I did, but the original agreement was drawn up with the value of the land representing a 20% down payment, and it wasn't until construction was complete that it became apparent it was worth a smaller percentage. The construction loan was a one-time close loan, though, meaning the terms were automatically translated -- so putting something down is basically what I'd be doing now."

User (Starsy): "I mostly know I'm doing the right thing (I think, anyway), but I'd like a sanity check.\n\nI'm fortunate to have a very nice job. I've got a $20,000 safety net built up. Our only debts are our cars (1.59% interest rate, so no big gains by paying that off early) and our house. No credit card debt (I use the safety net as our own personal "lender" for credit, so we "borrow" from ourselves and automatically pay back some of what we borrow each month), no student loan debt (paid off about six months ago), no other kind of debt at all.\n\nDue to some craziness with our mortgage, though, we initially ended up financing about 87% of it (we already owned the land, so the value of the land was the down payment on the house, but construction ran over-budget, so the value of the land ended up being a smaller portion of the construction cost than anticipated, and I don't know why I'm including this much detail). So, we're subject to PMI, which runs about $100 per month.\n\nThe last four months I've pulled together about another $10,000 on top of our $20,000 safety net, and I'm tempted to just throw it all at the mortgage. It would be enough to get us down to around 81% financed, so we'd be able to ditch PMI in the next couple months. Is that the best course of action before looking into the other targets I have in mind for that money (retirement, 529, short-term investing)?\n\n(And while I'm here, a side question: right now, our escrow balance with our bank is negative. The reason is because the county's initial appraisal was about $150,000 too high, which caused a much higher property tax rate. The appraisal has been lowered, and next year's property tax payment will reflect that, but is there any harm in leaving escrow negative unless the bank calls and bothers me about it? I could pay out of pocket to even it out now, but I don't know if there's any reason to.)" Self: "See if you can refi with a credit union. Most don't charge PMI. Pay the refi closing costs and boom, you're done. Unless your rate is below 3.8-4% now, then prob don't refi. Check loan doc to see how and when PMI can be removed. It sucks to pay it but you'll earn a lot more than $1200 a year by investing the money you have in savings. " User (Starsy): "I tried that, actually. Their appraisal came in at 60% of the original loan's appraisal (from only two years ago), so they wouldn't refinance. Go figure." Self: "Ouch. " User (Starsy): "You're telling me. I had a refi application in to refinance at 3.75% interest contingent only on the appraisal coming in somewhere around the original value. I do all my other banking with my local credit union, but they don't do one-time close construction loans."

User (kesslkaserer): "My brother is about to invest in this cryptocurrency and I am not sure if it is scam or a really easy way to earn some money. Do you know this currency and would you invest in it?" Self: "I haven't heard of it before, but putting the word in Google brings up a shitload of articles explaining why it's a scam.\n\nIn general, any new bitcoin-style blockchain based crypto-currency is either an intentional scam by the creators, who sit on a ton of pre-created currency and sell it when the price goes up, or even if they don't pre-mine they still essentially do the same thing by mining a ton when it's easy. Even if a crypto-currency isn't an intentional scam, anything but bitcoin will generally fail as people lose interest in it, so either way you're gonna lose money.\n\nBut briefly looking at onecoin, this is honestly the scammiest scam that's ever scammed the face of the earth.\n\nIt's closed source, so massive massive massive red flag in crypto-currency. It basically looks like they've created the scammiest crypto-currency ever in an ocean of scammy crypto-currencies, combining the scammiest aspect of all previous scammy crypto-currencies, and then just to outdo that frankly impressive feat, they literally built a pyramid scheme into the currency. \n\nIt's literally layers and layers of scam. I don't think I could even dream up a more scammy crypto-currency, it's a scam in too many ways to count. It is a masterpiece of scam engineering.\n\n\n\n"

User (kesslkaserer): "My brother is about to invest in this cryptocurrency and I am not sure if it is scam or a really easy way to earn some money. Do you know this currency and would you invest in it?" Self: "scams are really easy ways for other people to make money, of course.\n\n"The British newspaper Mirror wrote that OneCoin / OneLife is a get-rich-quick scheme scam and a cult. Also Mirror has explained why OneCoin is worthless.[2] Bitcoin.com has given detailed evidence that Onecoin is an extensive ponzi scheme scam.[3]"\n\nhttps://en.wikipedia.org/wiki/Onecoin\n\nThat doesn't sound ideal as a money-making venture. " User (kesslkaserer): "Thank You! I found that too but my brother won't listen to me. This week he also went to a meeting with about 100 people that are all involved in OneCoin and they told him that they earn a fair amount of money. I don't know how to convince my brother to not invest" Self: "Maybe you can't. \n\nAsk him who he plans to invite to a meeting so that he can make money, after they invest to pay him off.\n\nMaybe he think he'll invite you?" User (kesslkaserer): "According to him he doesn't need to invite people, but if he does he'll receive 10% of what the other person invests. And even if you do not invite a single person you still earn money. His boss is involved in OneCoin and thus guy said that he invested 100€ and gets 30€ per week...I have a strange feeling" kuukk3li (kuukk3li): "I wish you luck on the mission. You can only try to talk so much sense to someone, even if it is your brother. Have a serious convo with him and bring up arguments why his idea is not very good. Try and not blame him, instead just objectively go through the issues in his plan. If he won't take your word for it, well, atleast you tried. Sometimes you just have to let people learn from their own mistakes."

User (kesslkaserer): "My brother is about to invest in this cryptocurrency and I am not sure if it is scam or a really easy way to earn some money. Do you know this currency and would you invest in it?" Self: "One of my relatives already put way to much money in that and I am really worried what happens the moment he realised he lost it. Stop your brother as long as you can."

User (munnybear): "A family member has over 1MM in assets at Morgan Stanley and invited me to join in to take advantage of "reserved" status for as little as 10k initial investment. I'd probably ramp this up to ~100k within the next few years.\n\nWould you do it? Currently I use Betterment, Wealthfront, & Vanguard. Having access to a financial planner might be worthwhile, but I'm not sure if the folks at MS would qualify as "Holistic Financial Planners".\n\nI feel like I'm mostly going to pay higher fees." Self: "Higher fees. They do stroke your ego because you are in the "reserved" program. What's that worth to you?"

User (munnybear): "A family member has over 1MM in assets at Morgan Stanley and invited me to join in to take advantage of "reserved" status for as little as 10k initial investment. I'd probably ramp this up to ~100k within the next few years.\n\nWould you do it? Currently I use Betterment, Wealthfront, & Vanguard. Having access to a financial planner might be worthwhile, but I'm not sure if the folks at MS would qualify as "Holistic Financial Planners".\n\nI feel like I'm mostly going to pay higher fees." Self: "If you have between 50-500k at Vanguard, you are considered a "Voyager", and have access to personal advisors. I've been happy with their service.\n\nNobody cares more about your money than you do, though."

User (BraydenSummers): "Ugh okay here it goes.. I make roughly $3000 a month. I have $250 to my name right now due to bad spending habbits, im trying to sell multiple things that would bring me up to $1,200. I have one credit card with 900$ on it and i need it to be 300. What do I do? How can I become better at saving my money and not spending it on stupid shit??" Self: "Pay cash for everything. Not debit card, but cash. The sheer inconvenience will significantly curtail your spending. "

User (BraydenSummers): "Ugh okay here it goes.. I make roughly $3000 a month. I have $250 to my name right now due to bad spending habbits, im trying to sell multiple things that would bring me up to $1,200. I have one credit card with 900$ on it and i need it to be 300. What do I do? How can I become better at saving my money and not spending it on stupid shit??" Self: "Congrats admitting you have a problem is the first step the next is to make a budget start with what you make and what you owe like your bills and rent and food "

User (BraydenSummers): "Ugh okay here it goes.. I make roughly $3000 a month. I have $250 to my name right now due to bad spending habbits, im trying to sell multiple things that would bring me up to $1,200. I have one credit card with 900$ on it and i need it to be 300. What do I do? How can I become better at saving my money and not spending it on stupid shit??" Self: "Do you spend on a debit card or cash? \n\nIf a debit card, carry only large bills so that you're able to see the money leaving your palm. \n\nIf cash, get a little safe (amazon has options for under $50), pull your entire paycheck and stash it all in there. Pull out $50/week that is your "spending" money. Gas, food, drinks, etc. If you have a purchase planned, pull out that amount and only that amount. \n\nPersonally, I *suck* with money whether it be cash or my debit card. I budget on the first of every month, and keep a whiteboard calendar with all of my bill dates and paydates on it. I will keep just enough money to cover my bills in my bank account, as I write checks and send through snail mail for most things, pull the rest in cash and I keep small bills in my safe. I allow myself $5/day on days that I know I don't need money but might want lunch. $20 extra if I have to get gas, and $25 extra if I need gas and smokes. \n\nI have one credit card with a $500 limit for emergencies with a $40 balance currently, and in the last 6 months I've managed to stash away $2500 between my secondary savings account and the money in my safe. \n\nI also have $100 from each check direct deposited into said savings account. I don't have it linked to my debit card, or my online banking which means I have to walk into the bank, fill out a withdrawal slip, etc. The inconvenience means I just never touch it. "

User (BraydenSummers): "Ugh okay here it goes.. I make roughly $3000 a month. I have $250 to my name right now due to bad spending habbits, im trying to sell multiple things that would bring me up to $1,200. I have one credit card with 900$ on it and i need it to be 300. What do I do? How can I become better at saving my money and not spending it on stupid shit??" Self: "Cut the top of a gallon jug fill it with water toss your credit/debit cards in there (your choice I did both for a little then left the credit card in there) then place that jug in the freezer and keep it in there to freeze. Then if you want to spend something you will have to wait till the ice melts to use the cards it helped me with tons of tough choices at first then got easier. And limit your spending with a weekly allowance."

User (BraydenSummers): "Ugh okay here it goes.. I make roughly $3000 a month. I have $250 to my name right now due to bad spending habbits, im trying to sell multiple things that would bring me up to $1,200. I have one credit card with 900$ on it and i need it to be 300. What do I do? How can I become better at saving my money and not spending it on stupid shit??" Self: "I used to be the same way until i let a stupid little bill of $175 go to collections because of my negligence.\n\nSomething that really helped me was getting an app for my PC called [rainlendar.](http://www.rainlendar.net/cms/index.php)\n\nIt's a calendar app that goes on your desktop, you can edit events and tasks and it brings up a reminder for what you need to do that day.\n\nI installed that app and then went through and filled out all the bills I needed to pay with each paycheck for about three months ahead.\n\n I did that for about a year and then stopped because I realized my money management had become second nature. I still use it when I have a crunch coming up like holidays or some other expense\n\nCheck it out, maybe it could help, it honestly changed my life. Regardless of what method you use, as other posters have said, it just sounds like you need to plan a budget and then stick to it." itscliche (itscliche): "> I did that for about a year and then stopped because I realized my money management had become second nature.\n\nI was the same way with my budgeting habits when I first started; twice every month I would bring out my budgeting sheet and fill in all of the fields to make sure I was staying on track. Now, I just make sure that my account auto pays all of my bills and savings, and I give myself a set amount of cash every two weeks for discretionary spending. Money management is now second nature in just under a year. I feel like a changed man! Lol.\n" Self: "Nice! It feels good!"

User (ActionBastardBeam): "I bought a truck 7 months ago and got an extended warranty for an extra 3k.\n\nThe transfer case snaps off the transmission while driving, so I get it towed to the dealership.\n\nThe dealership says the extended warranty people are going to send an inspector to view the damage.\n\nDealership calls and tells me the extended warranty wont cover the damage due to the truck having a flatbed, but i bought the truck with it already equipped.\n\nHow can they sell me a warranty on a vehicle that doesn't even qualify to be under warranty?\n" Self: "What do the terms of the warranty say? My guess is that they say we cover damage except for the following and then list this issue as an exception.\n\nSo it isn't so much that they don't cover anything as that they don't cover this specific thing. If this is the case, I don't see why you would be entitled to a refund."

User (ActionBastardBeam): "I bought a truck 7 months ago and got an extended warranty for an extra 3k.\n\nThe transfer case snaps off the transmission while driving, so I get it towed to the dealership.\n\nThe dealership says the extended warranty people are going to send an inspector to view the damage.\n\nDealership calls and tells me the extended warranty wont cover the damage due to the truck having a flatbed, but i bought the truck with it already equipped.\n\nHow can they sell me a warranty on a vehicle that doesn't even qualify to be under warranty?\n" User (ActionBastardBeam): "Where it says your coverages it has this for transmission\nTransmission(coverage limited to these listed parts):\nTransmission case, trans-axle case, transfer case and their internal parts. then a bunch of other little things. The back of the transmission case is what snapped so it should be covered if the truck didn't have a flat bed.\nThere is a section that says the warranty does not apply to vehicles with flat beds. " Mrme487 (Mrme487): "So if nothing is covered for a flat bed, I think you need to post in legaladvice. If it is just the transmission he warranty excludes, I think you are out of luck."

User (ActionBastardBeam): "I bought a truck 7 months ago and got an extended warranty for an extra 3k.\n\nThe transfer case snaps off the transmission while driving, so I get it towed to the dealership.\n\nThe dealership says the extended warranty people are going to send an inspector to view the damage.\n\nDealership calls and tells me the extended warranty wont cover the damage due to the truck having a flatbed, but i bought the truck with it already equipped.\n\nHow can they sell me a warranty on a vehicle that doesn't even qualify to be under warranty?\n" User (ActionBastardBeam): "The dealer sold it to me. \nThey tried selling me a bumper to bumper warranty for around 5k, I told them i was only worried about injectors and transmission and they told me this powertrain warranty would cover it.\n"