I'm still at the parents home at 30 years old. I have two masters degree and working on a third. I've been starting a business but things have been slow for starters. But, I have faith that'll pick up in the future.

I already owe a hefty amount of student loans $130,000 and am contemplating borrowing additional student loans for living expenses and continue to go to school so I can move out of my parents house. Is this a bad option in your opinion? In this economy it seems like it is my only option.
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There's nothing wrong with taking out student loans to go to school. Interest rates are at historical lows and investing in your education is a good thing. But, it's unusual that you're going for your 3rd masters degree. Be careful not to fall into the "Jack of all trades, master of ..." category.

If the loan will be going towards funding your business, you'd better make sure it's not a sinking ship. A good idea is not enough to weather the current economic storm. You need deep pockets.

In the meantime, staying at your parents house is a great way to make your funds last longer.
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Why is it the 2 masters degrees you have cannot get you a decent job? It almost sounds as if you are a dreamer, and are avoiding using the knowledge you acquired in school. That or you got masters degrees in really narrow fields that don't hire often. Instead of living on *faith* and *student loans* at 30, get some employment with the education you have. Are you trying to continue school so you don't have to start paying back that 130k?

At 30, you should have been out of your parents house 8 years or more ago.
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If you're starting your own business why do you need a third masters degree? I really do not feel like that is necessary at all.

College will always be an option later on in life, but for right now, you owe a lot of money. Paying that money off should become priority, especially since you already have, in my opinion, enough education for what you plan on doing.
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Help is here is right. You're 30 years old, have two masters degrees and are $130,000 in debt trying to get more in debt. Exactly how is this third masters degree going to improve your lot in life? How will it improve your business and bring in more money? How is it going to make you run your business better? Why did you start a business if you weren't prepared to run it. You do know that student loans don't go away with bankruptcy.

Sounds like you need to grow up. Good luck.
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Why don't you have a job and use that for living expenses? I work full time and part time and go to school full time plus I'm a single mom. Yes things are crazy but I make it work. Its time to grow up and become a productive adult, at age 30 I would have thought that you would have already done this.
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it is wrong, cuz u r in quick sand, and these loans will make u poor for life, and stress you out

you are wasting your time studying

u should get a job
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yes especially if you still live at yur parents house and no job you will never get nowhere if your depending on the loans get a joob and get like me independent fo-sure
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looks like your gonna have to end up prbbly applying for bankrupcy just to get out of that huge a debt
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YES!!!!!!!!!!!!!
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I;d do it, but that's because I never plan to pay off my student loans anyways ;D

No, you can't do it without their knowledge - and cooperation.
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Not at all. They have to sign off on it, they have to answer the questions, do the interviews, etc... It is possible for you to pay for it though.
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No. It takes the insured's concurrence and medical underwriting, just like a life insurance policy.
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I would like to suggest you get as much information as you could before taking action,here http://www.HealthInsuranceIdeas.info/fre... is a good place for that.

Our manager was recently terminated and several employees in our department cannot stop gossiping about the situation and are bad mouthing the manager. Human resources is currently investigating the issue. Is this grounds for immediate termination or just a simple 'write-up'?
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Depends on what the employees were saying. If what they were discussing was supposed to be confidential, they might get a warning.

If people got fired for bad-mouthing employees (or ex-employees), most offices would be empty.
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No employees can be terminated if they continue to talk and gossip about the manager with the fact that might be the cause of the termination. Rumors are not only hurtful, but they are inappropriate for the workplace.
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yes its bad
It looks bad for the company you are working for.

I ask because my bank set up an account for me on the condition that I payed in a large five figure sum which was left to me by a member of my family that passed away and the remainder saved by myself, they said that they could give me preferiential rates on my money and I noticed that I'm doing really well out of them... well at least in these times of poor interest rates and no other bank could match these rates with the accounts that they've got advertised at present.

I checked their account interest rates for savings and investments and their best savings/investment account is only paying 0.60% per annum whilst mine is paying much, much more than that. Does it mean they think highly of me as a customer for the bank manager to offer me special rates or are they only trying to part me from my money? I'm just surprised to have such high rates that aren't advertised by the bank xxxx
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A lot of banks have different types of accounts that earn higher interest rates if you carry a balance over a certain amount. Most likely that is what you have going on.

The bank I am in gives and extra 1% on money market accounts with more than $25K in them, and 1.25% or something if you have more than $50K.
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the rate u quote 0.6% is just for normal savings accounts, if u have a lump sum to invest then u will get a higher rate we have just reinvested the money from sale of my mum s house as she is in a care home last yr we got 6% and now we have got 3.50% but we cant touch it for a year. it depends on the amount u have the interest rate they offer u.
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Keep an eye on that rate. They may have given you a nice introductory rate to gain your account which may be reduced down the road. It's happened to me. Good luck.
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premium rate over 25000

I am wondering... When going for a job, i have seen it advertised for a company to do your own state-wide background check for you. I am tempted to do this. It says: If an employer is thinking of hiring you, having your own background check results as run by that company will save them the time of doing so, and put you at an edge to get hired.

Is this true? I am thinking of going this route. Any insight here, and ways to best present yourself to employers (from Fast Food to upscale Fast Food to Customer Service, any employer general things?) Thanks
Category
Business & Finance > Corporations
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Coming from the employer/hiring manager side of this, it would mean very little to me. Yes, I would be happy you were willing to divulge your background, but I would still have to verify it if I was going to use it. Any company that was interested in a true background check would do their own verification.
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I was considering that also. But in calling the state office, was told to go through them only as those online places, will need all of your personal information, and do not have total access to you and the job place will do their own check, at the level they want info from anyhow no matter what. I wanted to see mine for something that happend as a kid to see what it shows. Im still considering getting it. BUT there are laws, that whoever obtains that info, its illegal to share with anyone! So like I take it since an employer by law may not show you their results I take it, by law, I couldnt show my own to anyone! Stupid huh. Most states charge around 25.00, AND, each has its own rules, there is a fingerprint scan or card, that must be done properly and paid for if its a scan, and u must use the places liscenced by the state. Look under your states attorney generals website I think it is to obtain this info, dont use anyone online, and in any situation, be very leary of who online you submit any info too. Ebay, Amazon, big companies are fine, but like even my bank, I get scam emails from people pretending to be my bank, and if I click the link and try to sign in, it gives the theifs my name and password to my bank account, so be careful ok!!
I do not believe it will give you an edge, what you order wont be the same company that they use.
I will suggest something to you that I did last week that was invaluable information!
The unemployment offices, at their job site offices, give classes, they are truly amazing, can be over whelming too a bit
Go take their resume class, if theres two setions of the class go to both!
Fast food jobs, are for first time jobbers or extra income for others. They are use to seeing no jobs listed as far as experience, so nothing but honest answers, dressed nicely, good presentation and hygeine are all that matter.
Other jobs, can hire first timers too, so same applies, later in life though, and the companies once you have jobs, want to see information that is not just a list of skills, they want foo foo language to descrive what you did while using those tools.
Someday when you have the time, the job serivces office has great info and classes, I highly suggest going. You not need be on UI to get these helps! If you do, you will thank me. I cant believe how diferent things are, what big companies want to see and hear from me while interviewing.
This is what I am doing at home right now for a job that has invited me to test, my 10 key skills arent up to par, so this site is so addicting, and I am really enjoying this practice, I plan on uping my typing speed also, there are many free online sites with info on job skills, this is awesome, see if you like this site.
All skills interlace somehow. A skill listed is a skill listed. Jobs want to see info that relates to them specifically, but any training, or skill you have in addition is icing on the top as saying who you are as a person and your abilities to learn.

I am wondering... When going for a job, i have seen it advertised for a company to do your own state-wide background check for you. I am tempted to do this. It says: If an employer is thinking of hiring you, having your own background check results as run by that company will save them the time of doing so, and put you at an edge to get hired.

Is this true? I am thinking of going this route. Any insight here, and ways to best present yourself to employers (from Fast Food to upscale Fast Food to Customer Service, any employer general things?) Thanks
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not a good idea. how does the employer know you didn't alter your records. that's why they do them

When going for a job, i have seen it advertised for a company to do your own state-wide background check for you. I am tempted to do this. It says: If an employer is thinking of hiring you, having your own background check results as run by that company will save them the time of doing so, and put you at an edge to get hired.

Is this true? I am thinking of going this route. Any insight here, and ways to best present yourself to employers (from Fast Food to upscale Fast Food to Customer Service, any employer general things?) Thanks
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don't waste your time, they will do their own background check because yours could be a forgery
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I agree. If they're worth a damn, they will have the money to pay for their own background checks, and do it as a standard practice anyways.

Only reason why I would buy a bg check is if I was wondering what was on there in the first place. Ever been fired?