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Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51094910 added 06-19-2012 10:59 PM by CDI in Archived Deals
I sense some envy and bitterness. :lol: Thats assuming the "hot college chicks who can't pass" are taking a course which needs to be taught by a PhD.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51097568 added 06-20-2012 4:36 AM by ManUpOrShutUp in Archived Deals
:nod:
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51053230 added 06-18-2012 10:09 AM by Brian1 in Archived Deals
You may want to consider maxing out your Roth IRA then putting the rest towards your student loan debt, focusing on the highest interest rate loan first. Who is your Roth IRA with and what is your...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51053296 added 06-18-2012 10:11 AM by flatlight in Archived Deals
Please advise where you could get 7.9% and 6.8% returns on a regular basis. If you can't answer that, you should pay off those loans first asap after establishing a 3 or 6 month emergency fund.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51053448 added 06-18-2012 10:17 AM by gnuel in Archived Deals
TradeKing is my broker. Isn't that considered low cost or am I wrong? Thanks for the link; I will read up!
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51053002 added 06-18-2012 10:01 AM by gnuel in Archived Deals
Hi everyone, long term lurker here. Just graduated pharmacy school with about $190,000 in student loans. Approximately, $45k @ 7.9% $100k @ 6.8% $42k @ 5% My assets include: $5k Roth IRA...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51141026 added 06-21-2012 5:23 PM by DentalPain in Archived Deals
Sign up with the NHSC if you can. I just got 30K tax free to put towards my loans. I expect the same amount next year. Become debt free as quick as you can (within reason). I expect inflation to...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51139884 added 06-21-2012 4:21 PM by icydog in Archived Deals
Of course a financial advisor will tell you to buy financial products. Unless you can find risk-free 5/6.8/7.9% after-tax returns, just pay off the debt and forget about investing.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51124624 added 06-21-2012 5:55 AM by Jeffbx in Archived Deals
Yup, certainly would if requested. However, if I ever took on an adjunct role I'd still stick with Mr. Bx or just Jeff - despite the masters I wouldn't think of myself as a professor if that's not...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51105932 added 06-20-2012 11:13 AM by lerlerler in Archived Deals
On behalf of an adjunct professor (no quotes needed around "professor" thank you very much) Thanks!!:wave:
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51108694 added 06-20-2012 12:58 PM by Jeffbx in Archived Deals
Oh crap didn't mean to insult you! Sorry! I've always operated under the assumption that the title of 'Professor' was reserved for PhDs, which is why I put it in quotes when referring to adjunct...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51074832 added 06-19-2012 8:15 AM by jaqnabox in Archived Deals
if he is new out of school he probably will need some tax deductions (school loans or home ownership) The govt loves mid/high single incomes who live at home or rent. you make 100 govt takes ~35%
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51059618 added 06-18-2012 2:17 PM by Dr. J in Archived Deals
not sure i would sell the gold - it's as bout a liquid an asset you can get that's not cash, and it can appreciate/depreciate without the IRS knowing about it. Selling is easy, although not as easy...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51091298 added 06-19-2012 7:27 PM by financechick in Archived Deals
phd's do it for the slight chance of working 2 hrs/day, 2 days/wk, 32 wks/yr, & dealing with hot college chicks who can't pass their courses w/o giving a little something extra.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51157304 added 06-22-2012 10:21 AM by Boglehead in Archived Deals
I like your plan of living frugally and paying off as much as you can for the next few years. Only then should you consider buying a home. I know way too many docs, dentists, pharmacists,...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51161796 added 06-22-2012 1:28 PM by ricon1980 in Archived Deals
Where did you go to school? My wife just finished PharmD program She has 80k loan.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51133046 added 06-21-2012 11:35 AM by lerlerler in Archived Deals
It's not how YOU think of yourself, it's how the students think of you, I like the respectful distance. I start each semester with: " In class, please call me Professor Lastname. You can call me...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51133122 added 06-21-2012 11:38 AM by CDI in Archived Deals
"In the United States and Canada the title of professor is granted to all scholars with Doctorate degrees (typically Ph.D.s) who teach in two- and four-year colleges and universities, and is used in...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51140434 added 06-21-2012 4:51 PM by apexle in Archived Deals
I would say put a little more than the minimum per month, and after having 3-6 month contingency. If you will be getting a job as a pharmacist, you should be looking at 90-130K a year, or around...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51059180 added 06-18-2012 1:56 PM by StarNova in Archived Deals
Seems like a good plan - it's unfortunate that pharmacy schools have been cranking out the pharmacists these last few years. It has depressed the pay in the profession - especially for those...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51124094 added 06-21-2012 5:19 AM by saladdin in Archived Deals
Sample size of 1: Girl I know works at an annex teaching a class for local branch of state college system. Makes $2100 for the semester. Only has a masters, not even masters plus. Adjunct...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51162024 added 06-22-2012 1:39 PM by mindbowels in Archived Deals
As has been stated by many, financial advisers typically get a fee of your assets under management. So yeah, the more assets they manage, the better for them. If I was in your position I would...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51058574 added 06-18-2012 1:32 PM by Formless in Archived Deals
This is a mixed bag and you'll have other factors to consider. If your budget allots for living on $20k a year, that isn't a bad way to proceed. That puts your minimum monthly output at $1670. If...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51053916 added 06-18-2012 10:36 AM by daniel32 in Archived Deals
If you can't get more than 7.9% or 6.8% returns on your investments, it is better to pay off your loans. If you are paying 7.9% interest, but only getting 5% returns on investment (money that...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51053404 added 06-18-2012 10:15 AM by Brian1 in Archived Deals
Which broker? If it's not an ultra-low cost brokerage such as Vanguard, Fidelity, or Charles Schwab, get the money out of there - you're paying too much in fees and, therefore, wasting money. ...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51101204 added 06-20-2012 8:04 AM by zzyzzx in Archived Deals
I would also pay off the loans first.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51097766 added 06-20-2012 4:53 AM by CDI in Archived Deals
You mean so they can put on their college admissions brochure how many PhDs teach their classes? :facepalm: The PhDs sit in their office while the TAs are the ones interacting with students and...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51097292 added 06-20-2012 4:02 AM by dealgate in Archived Deals
Not many schools allow lower than PhDs to teach anymore. Even the online schools like Phoenix are requiring the majority of their staff to hold Doctoral degrees. Doh!!
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51079958 added 06-19-2012 11:13 AM by CDI in Archived Deals
Easy, put the money into a CD in India for a year and get 9% interest. :lol: (As long as the rupee doesn't get crushed that is...)
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51080142 added 06-19-2012 11:19 AM by CDI in Archived Deals
You should be asking why most PhD's go through even more education than this with even lower returns... Maybe OP enjoys the field of pharmacy. Regardless, they can clear $100k by working at CVS...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51216864 added 06-25-2012 12:36 PM by cephlofarheen in Archived Deals
they told u that to make money off you
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51217326 added 06-25-2012 12:56 PM by drra in Archived Deals
work swing shift at a walgreens. Dual income. loans gone.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51218700 added 06-25-2012 1:53 PM by hcazualcc in Archived Deals
bingo
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51105672 added 06-20-2012 11:04 AM by presidentof69 in Archived Deals
True that. In one class my TA taught much better than the professor. The professor was too distracted with her research and didn't relate to us as much as the younger TA. Not only that;...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51068504 added 06-18-2012 10:34 PM by shangpx in Archived Deals
If you can't answer that, you should pay off those loans first asap after establishing a 3 or 6 month emergency fund.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51097958 added 06-20-2012 5:10 AM by Jeffbx in Archived Deals
Staff, yes - however, adjunct 'professors' don't even have to have a master's degree in many cases. Guess who teaches more classes ;-)
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51117974 added 06-20-2012 8:27 PM by lerlerler in Archived Deals
Nope. Just 2 Masters Degrees no PhD here..... but you CAN and SHOULD call us Professor Lastname... just not Doctor Lastname.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51058106 added 06-18-2012 1:14 PM by vaultaddict in Archived Deals
My advice. Don't take out any more loans.
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51053316 added 06-18-2012 10:11 AM by gnuel in Archived Deals
2012 will be the last year I am able to utilize a Roth IRA so I will definitely max it out for this year. I opened a Roth IRA with my broker and bought 1/2 walmart and 1/2 McDonalds. The loans...
Advice for new graduate with $190k in student loans
Expired
Thread created 06-18-2012 by gnuel
0 Score 43 Replies 4,973 Views
Post #51059384 added 06-18-2012 2:05 PM by financechick in Archived Deals
1) dump the gold & move the $19k to a savings account for emergencies. http://www.depositaccounts.com/savings/ 2) ask your parents to get a $190k home equity loan through penfed @ 1.99% for 5...
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