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Ask the Readers: How Do You Prepare for Enormous Debt?
Published on - March 7th, 2008 (by J.D. Roth)
Consumer debt is bad. Buying lots of Stuff on credit cards is a sure path to financial woe. But while some people argue that all debt is bad, most experts agree that certain debts are acceptable (good, even). The two most common examples are mortgage debt and college loans. The average person cannot afford to pay for either of these outright; borrowing money allows one to invest in her future.
So what happens if you've always avoided debt, and suddenly one of these expenses rears its head? Amanda wants to know:
My husband and I are newlyweds. He's starting dental school this fall. Four years at $50,000 per year is frightening for me — I have never been in debt at all! I know it's a good debt (educational as opposed to credit cards), and I am absolutely 110% behind my husband; this is his dream. I am also comfortable being the breadwinner for at least the next four years.
We've built a nice emergency fund, and we've been saving for our retirements. It's just hard for me to wrap my head around $200,000 of debt, especially when we've been working so hard to save. How do you prepare for such a large debt? What ways are there to cope with it? What can we do to prepare?
When I shared this question with Kris, she had a great piece of advice: "They should start handing out candy to the kids they know." But aside from consoling herself with her husband's future job security, what can Amanda do? This is a great question, one that can be applied to a number of circumstances. What can you do to cope with the realities of a huge mortgage? Unexpected medical expenses?
It sounds as if Amanda and her husband have made some good first steps. An adequate emergency fund will help to protect them from additional debt. A commitment to a frugal lifestyle can also play a key role. But what else? Is there anything a person can do to mentally (and financially) prepare for enormous debt?
This article is about Ask the Readers, Debt, Education, Psychology
Wow, what a difficult situation. I would be just as concerned as Amanda.
If I were Amanda's husband and it was possible, and I know it is because I did it myself, I would work part-time and invest that money into some type of money market or high yeild savings and let it grow.
After four years the money from the part-time job could then be used to pay toward the tuition debt. Obviously it would not cover it all, but after 4 years of savings it would be a nice chunk of change to use while he builds and gets his dental practice off the ground.
I'm looking at $40k in debt after getting my dietetics license. I know that's not as much but it's a lot to me! I've been working little jobs here and there and selling stuff on eBay to pay off the interest before it accrues (unsubsidized loans).
I think it would be prudent for Amanda and her husband to start planning a 5 or even 10 year repayment plan.
According to the American Dental Association, the average dentist made $185,000 in 2004. Now obviously this isn't what Amanda's husband will be making straight out of school, but it does give them a place to start for figuring out how long it will take to eliminate their debts.
How about she enjoy the moment she's presently in and breathe?
Maybe be happy that she and her husband are happy and healthy?
I know I will be flamed and beaten with a stone for this, but, it's only money. It doesn't make you a bad or a good person and if being a dentist is his heart's desire, embrace the fact that he will find some career fulfillment. Most people never get that chance, $200k debt or not.
I'm the sort of person that would hate this. I have security issues around money. What would make me feel better is working out a worst case scenario – like income contingent loans – in case he doesn't start making a fortune for some reason.
I'd also look at the best case, and work out how quickly I could get out of debt, and what investing the (then paid off) debt repayments for 5 years would like like in retirement.
I like to know that the worst case is survivable, and the best case is pretty good.
As someone who graduated from dental school in '04, I completely understand. Recently I purchased a practice, so in-addition to the 200K+ from school I have and another 300K+ from the practice. Just know that even with all that debit, I'm still on track to have it all paid off in about 15 years.
Once he's out, take advantage of loan consolidation. It made a big difference in my interest rate. I'd also recommend putting away anything you can for retirement. Most starting dentist positions don't have retirement benefits and you end up in a catch 22 of making too much and not being self employed.
Your husband should look into one of the Uniformed Services who are always screaming for good doctors and dentists. He would get his school paid for, have a fixed amount of years to repay, be an officer making good money and have no debt/school loans to repay. Afterwards, you two would be free and clear to continue on with your debt-free lives. I was in the Navy and we had excellent dentists (for the most part), but any of the services would be glad to have him I'm sure.
My husband and I fell into a trap right at the end of his schooling — thinking that he would be graduating soon and it would all be taken care of. If they can continue to live like he's in school full time after he's graduated, they'll pay off the loans much more quickly.
I guess I'm saying that they could try to avoid thinking that, as soon as he graduates, they can get a bigger house, take cruises, spend more on ____ (fill in the blank).
Sophie, I'm not going to flame you, I think you are absolutely right. If they are committed to the expense then the best thing she can do is work on her mind-state and reframe the expense as opportunity. Since they're committed to dental school there's no sense in worrying about how it would be better if they didn't have debt. Keep doing the same thing they've been doing, paying debt down as quickly as their income supports and saving through frugality. And as Rachel says above me, don't fall into the trap of lifestyle inflation.
I just graduated from veterinary school with 105k in debt. I love my job, I have placed myself in a position to make alot of money – it was worth every penny. I pay the minimum amount back ($500/m), using the extra money to invest or save ($1000/m). Not to mention I accepted the lowest paying job in my graduating class. My bank account is growing faster than my debt is declining – but student debt is tax deductable and I live comfortably. Even with debt, doors open for professionals – they are viewed as accountable and clients with potential. Even with 100K in debt, car and house loans have not been an issue.
Don't forget about disability insurance. When you graduate, you need to insure your husband's ability to make money in dentistry in order to service his loans. An accident or chronic injury could set you back big time.
I agree with Sophie. Try to enjoy it. When my wife and I got married (June '04) I was already in graduate school, making under $20k, with no health insurance etc. In August '04 my wife started Medical School and we too were staring at $200k in debt. We treated her loans as a paying job. So that once a month we went out for sushi and a movie without feeling guilty. Amanda's husband will have enough to worry about when he's studying the nervous system. We think about paying the loans back as a reduction in salary, not as having to pay money back. It's a little disappointing to think that you won't make as much as everyone else, but they are $200k in debt and you aren't.
I think what you are feeling is totally normal for someone in you and your husband's position. My wife is a medical student, almost graduated, and I am the principal earner in our family for now. She will graduate with approx 170K in debt. We live a fairly frugal lifestyle and plan to do so for years to come, even after she begins to make the big bucks. If you can live well below what your W-2 says after your husband begins to work, then you can make a big dent in that debt.
Even though it seems like a lot of money, your husband has an excellent earning opportunity and a chance to do good all at once. Keep focusing on the positives and supporting your husband!
Best Wishes.
I am about to graduate from law school ($60k a year for 3 years), and the debt is really hard to deal with. My plan worked pretty well, but coming down to the last stretch (I don't start work until September) I'm starting to get really nervous about money all the time. Just try not to take the inevitable anxiety out on each other. Learn to meditate or go to therapy at the health center at his school.
I saved up enough to pay for one year before I started school. I earned enough to pay for one year over the summers between my years of school. I've had to borrow one year's worth. I'm not in that bad of shape regarding debt, but the real problem is:
I'm almost 27 years old, and I've been scrimping, budgeting, and living poor since I went to college. After ten years of living cheap, I'm ready to be a grownup: to have furniture, to cook nice dinners, to buy clothes at the mall instead of Target and Goodwill.
I'm almost to the time where I can afford it (6 months to go) but I've spent more this year than I wanted because I'm tired of my student lifestyle.
Lastly, I do worry about the debt. It's not going to be that hard to pay off at all because I have a good job lined up… I just worry. A lot. Unnecessarily. I'm about to start reading "How to Stop Worrying and Live your Life" by Dale Carnegie, so maybe that will help.
Yes, back to school debt can be daunting. I'm about to go back to school for yet another degree, and it's quite expensive. I'd look into any and all scholarships, as there are a ton of those out there that sit unclaimed every year
Sophie's answer is the key here … just accept this scenario, esp. since you have chosen it. As Sophie pointed out, present- moment living is key. It's the labeling process of this situation and the judgmental attitude and all the future-thinking that causes you pain. Just *completely* accept this decision, and then direct the focus of your attention back into the present moment, back into your routine activities. This will give you a state of inner freedom and a taste of what meditation is all about.
Of course, it probably wouldn't hurt for your dude to work part-time, either.
My wife and I are in a similar situation. She has been in school for the past 4 years and will finish in May with 140K in school debt. We have lived off of my income alone and after she starts working, we will continue to live off of my income while the majority of her income will go solely to paying back school loans. It was really difficult the first 2 years but as your income increases and your budget does not, it will become easier.
I definitely feel for them. It's one thing to just be an average consumer and wake up one day in a world of debt, but to consciously enter into the situation after living frugally and debt-free must be a very hard thing to do.
I am absolutely in the "all debt is bad" camp, but I'm going to set that aside for this discussion. You are in a good starting position: debt free and aware of what you are getting in to. Scared, yes, as well you should be, but you are obviously thinking ahead about how to tackle this problem. Student loan repayment is usually not considered before the loan is taken out, so kudos to you!
In your position, I think there are several options. Most of it is going to hinge on Amanda's willingness to "be the bread winner". Since the best plan is to not enter into debt in the first place, we are going to do everything we can to offset the amount of debt required. You need to make every effort (and probably some hard choices) to live beneath Amanda's income. Since you have no debts, this should be doable. Every penny that is not for food, shelter, minimal transportation, and other necessities needs to be set aside to help pay for school.
Also to that end, he needs to work while going to school. Will this be hard? Yes, but sacrifice is required to succeed. Even as a part-timer, he should be able to pull 10-20K a year. This could even help: the last time I attended school full time, I worked 3rd shift as a Security Guard. I made decent money for simple work, and I had plenty of time on the job to study and do homework.
Since you are already committed to living on Amanda's income, everything he makes goes to offsetting school expense. And he needs to start right now. Every penny he can earn between now and this fall goes towards his expenses. Between this and working while going to school, you should be able to seriously cut the amount of debt you'll incur in the first place. [On that note, I assume he's already been accepted: have you considered delaying entry for a year? If you started the plan now, he could work 2-3 jobs and save up a lot, maybe even enough to fully fund the first year. That would be a great head start!]
So set a goal: instead of just accepting that you are going to borrow $50K a year, do your darndest to only borrow half that. That will make the next step that much easier: pay off the balance as soon as possible.
The way you do that is by planning for Amanda to be the bread winner for 6 years, not 4. Those first two years that he is working, you stick to what you have been doing and all the money he makes (which should now be considerably more) goes to pay off whatever the remaining debt is.
Do not misunderstand me: this is NOT going to be easy. This is going to be 4-6 years of very little time together and most likely two very tired people. And an effort like this can generate anger, frustration, and resentment: in order to prevent this, your marriage MUST COME FIRST. However, if you work together, stay focussed and stay on the plan, you can succeed. And after six years of living this way, you will find little things like saving , budgeting, and planning have become second nature, which will only mean that you can become wildly successful when his practice starts making serious cash.
Your only other option is to give up now, accept the $200K in debt, and hope it works itself out later. As I'm sure you know, this is what everyone else does: and everyone else is broke. Personally, I don't get the impression that you are like that.
The figure of 50K per year is way high, it should be under 20K per year even without any offsetting income by the husband.
Emily says:
I'm almost 27 years old, and I've been scrimping, budgeting, and living poor since I went to college. After ten years of living cheap, I'm ready to be a grownup: to have furniture, to cook nice dinners, to buy clothes at the mall instead of Target and Goodwill.
I'm almost to the time where I can afford it (6 months to go) but I've spent more this year than I wanted because I'm tired of my student lifestyle.
Lastly, I do worry about the debt. It's not going to be that hard to pay off at all because I have a good job lined up… I just worry. A lot. Unnecessarily.
First of all, congratulations on smart debt minimizing! You have done a great job (at least until this last year by your admission).
A couple of things: it would be a real shame to ruin all that hard work by spending a lot of money on a lifestyle you cannot yet afford. This is exactly why so many of us (yours truly in included) ended up in so much trouble. Let me tell you from experience: it just isn't worth it. Live through the poor student lifestyle just a little while longer and the sky is the limit for you.
Second: you HAVE been living like a grown up! Being grown up does not mean shopping at all the right stores: it means being willing to sacrifice now for something better later. You are not living poor or cheap, you are living smart. I have to say though, that it sounds like you are regressing: you are getting a bad case of the "I Wants", which can only lead to suffering later.
I really think that you are way ahead of your peers, and you are almost at the end! Hang in there, keep scrimping, saving, and living smart. The payoff is going to be phenomenal for you!
Doctors (and I would assume dentists) have high bankruptcy rates. They get into school and later into residency thinking they can ring up all this debt and they'll pay it back when they make all this money as a doc. The realities are a little different. Sure, docs and dentists make a good living and in the long run come out way ahead, but in the short run debt is something that has to be looked at and conquered.
Sounds to me what they are doing (emergency fund) is a great idea. They need to get into a "poor" mentality, too. They are, in effect, broke and they need to act like it – drive old cars, clip coupons, buy groceries on sale, small home, etc.
When my husband and I were first married he was a resident and we lived in a modest home in a great neighborhood. I drove a 12 year old Nissan and he a 4 year old Civic. We kept those cars and the house all through residency. I worked through his residency, too. But some of our friends were buying giant SUVs and large homes all based on the credit of their future income.
When payday finally came and my husband joined a practice – I made plans to quit my job and pursue something else immediately. A lot of people asked me how I could afford to do it – I pointed to the small house and our old cars. I'm still amazed at how many of our physician friends carry expensive car debt and still have school debt eventhough they've been in practice for a few years. The point is they never acted "poor". Now they really dont' have as much as they think they do. But in our case we have tons of savings and investments because we acted with some financial restraint early on (BTW, we're still in the small house, but we've replaced both cars – the Nissan was replaced at 16 yrs. old and the Civic was wrecked last year or we'd still be driving it!)
So my advice is to act "poor" – do whatever it takes to not increse that debt. And when he gets out keep working and get that debt paid off quickly – then move on to bigger and better things debt free!
I think another type of debt that is "good debt" is medical debt. It's something that is much less preventable than credit card debt, and is often unavoidable. And if Obama is president, one thing he wants to implement is much more leniency for people who become bankrupt for medical reasons.
I honestly think you'll be just fine. Anyone who is newlywed and not in debt is way ahead of the game already. Your long-term destination will be a result of your mindset, not your circumstances. I think someone with a huge school loan and a healthy mindset about money and finances will be way better off than someone with a small amount of consumer debt and a poor mindset, and I literally mean "poor" as in "poverty", because unlike you, that is where they will end up.
KC, I couldn't agree more with you, however I think what you are referring to as a "poor" mentality is actually what I call a rich mentality. The behavior you are describing is the behavior of those who are wealthy, living BELOW their means. If you look at the mentality of the poor as a whole, they do not behave like you describe. The rich behave just like you describe, hence I call it a rich mentality. Plus that just sounds so much more positive,
I agree, it's a lot of debt, but if her husband is doing what he wants in his life then you find a way to make it work. She can focus on how they're going to pay it off and the timeline in which they can do so…that will at least provide a "light at the end of the tunnel" for her.
Other than that, consolidate if you can, set up the monthly payment, and don't let it stress you out anymore.
Living in the moment (conservatively, I'd say) is the only way to keep yourself sane here. If you worry a lot about how you're going to deal with the debt, you'll just make yourself sick. Besides, there are a couple of mitigating factors & a couple of things you can do to help yourself feel better about the situation.
First, he probably will earn a great deal more than the rest of us do. This will enable you to pay more toward the loan than you can imagine doing now.
Second, over the passage of time, $200,000 will simply be worth a lot less. You will earn more relative to 2008 dollars and so will have more to pay it down. When my ex- and I were young, we thought $30,000 was more than we could pay for a house; $200,000 represented an entire lifetime of savings, an amount that would carry you comfortably through retirement. Now in my part of the world you can't buy a livable shack for two hundred grand.
To make yourself feel more in control of the situation, one thing you could do is start setting aside a little of your own salary in a money market fund (one that is untainted by subprime loans–check out Vanguard's prime money market fund, for example). Earmark this money to pay toward the loan after he finishes school. It can then do double-duty as an emergency fund and as future principal payments.
And find out if this is a community debt. If, God forfend, he should die before the debt is paid, will you as his spouse be liable for the remainder? Be certain he's well insured. And since you're the breadwinner, carry enough insurance on yourself to leave him enough to finish school should anything happen to you.
I'm in a similar situation. Looking at going to grad school next year for a two year program. My dilemma is a little different: I've been accepted at one school and offered a fellowship, which means I'd only pay ~$15,000 a year and might be able to continue working my current job part time. However, my first choice school will cost ~35,000 a year, no fellowship, and also entail a move to NYC. Part of me wants to do the 'sensible' thing and go with the cheaper option, but the other part thinks that if I'm going to do this, I might as well get the best, most prestigious education possible.
Admitting that both my husband and I went to grad/professional school and we both had school debt (husband had about $28,000 and I had about $30,000 – all paid off) I would be somewhat concerned about just accepting education debt as 'good' debt. I would want to know what the earning potential (the range, low and high number) for the particular dental profession and area and based on those numbers I would want a plan for paying it off. If husband is likely to earn $200,000 in the first year of dental practice that dental school likely makes financial sense. If you are taking on $200,000 in dental school debt and you'll have to take on more debt to start a practice such that's a different scenario.
I'm not saying its the wrong choice, I just would think it all the way through with both the low and high earning potential numbers. I would also want to think about what happens if husband decides not to finish dental school, what is plan B?
About 12 years ago, we made the same decision for my husband to go back to school for his MBA. At the time, I had quit my job to stay home with our daughter, then about 18 months. We also had to sell our house, and move out of state to go to the school (program) that he really wanted to go to. I told him that while I will support him by being as thrifty as I could be, that he would have to borrow the money to go back. We used up a lot of the money that we had previously saved (we've always been pretty good with frugality and saving) plus about $60,000 in debt. He was able to get a campus job that was a smal cash flow help, and I took in children as a babysitter, plus worked a local food coop that netted us a free basket of veg and fruit every week, which I made use of every bit. Goodwill and other thrift stores were the only places we shopped. I was very conscious of every dollar that I spent, knowing that we would need to pay back $3 for each one spent.
Well, he graduated with honors, and has been very successfully employed for 10 years now, and makes 5 times what he did, pre grad school. We also live in a low cost of living area, so I've been able to stay home with my children while they are young. I've recently gone back to work part time.
One other thing…we worked hard to pay off the debt early…it took 6 years to pay off the debt, and that meant an extra $600 per month that we didn't have to pay for 4 years…that was nice! In fact, now that I think about it, we would have just paid off the debt last month had we stayed on the bank's plan.
I agree completely with Sam (comment #28), especially about deciding on a Plan B. I remember being in my first year of law school and wanting to quit, but even by that point my loans were so high that I didn't think I'd be able to pay them with whatever I could earn with just an English degree. So I stuck it out and graduated with six figures of debt.
I think Amanda and her husband are in a good place since they are already paying close attention to finances. If you devote your husband's income to debt repayment instead of buying an expensive house and a fancy car, you can make the debt disappear in just a couple of years–and then buy the big house. I also liked Joel's suggestions about how to borrow less in the first place.
Does your dental school provide all students with kits, or will he be paying out-of-pocket for supplies? Even those dental schools that provide kits, well, you might use more of one item than another and you might need to replace a burr or a rasp… Setting aside some cash for those fiddly bits would be a good idea. There will also possibly be some expenses related to travel when he hits clinical, and coating ceremonies, et cetera. I'd suggest putting aside some funds for these 'hidden' costs seperate from your emergency money.
And maybe gather some mad money in for Midterm/Finals Week, where the stress gets high and he might need to escape the house for a coffee shop or something to do some studying. And then the after-Finals celebratory dinner/weekend escape!
I'm in a similar situation myself right now, except I don't have a significant other to lean on financially. I have never had any debt in my life but I decided to go back and start pharmacy school this coming fall. For the past few months I have been doing everything I can to save money and have been working extra jobs bring in as much as I can. Of course I will still have to borrow money to pay for school, which is a huge barrier to overcome mentally since I've always been anti-debt. But since I know it's "good debt" I've just had to accept that it is a necessary part of getting myself where I want to be in life. During school I will be living like a poor college student again, and more importantly I plan to continue living that way for at least a few years after I graduate. This will allow me to get a jump start on paying off my student loans and on my way to a nice down payment on a house. I figure just holding off a few extra years on bumping up my standard of living will make a big difference in my financial situation down the road.
Save up and be prepared. Have a large emergency fund. If you're planning a large purchase like school tuition or a house, live on as little as possible to save.
Don't neglect necessities, obviously. The obvious ones are food, shelter, transportation and clothing, but the not-so-obvious is the proper insurance. Everyone needs auto, health, disability, life and homeowner/rental insurance.
Save money on school by doing general education classes at a local community college. Don't go to some big-wig school for the prestige. In 5 years no one will care! Go to an in-state school and live cheap.
Amanda, once your husband is out of school and making that dentist salary, continue to live on your salary and use every penny he makes to attack the school loans. He can easily be making 150-200K in a couple years, which of course knocks out those 200K loans.
I'm glad he's following his dream. That is the most important career decision anyone can make. Good luck to you both!
There's certainly a lot of good insight in these comments on the mechanics of how to work with the money you have, and to manage spending, and attack the loans.
From a big picture perspective, I think it's always good to treat these huge debts as you would treat a business. You've been charged with managing this debt, so you need a business plan in place for how the debt will be recovered, and how you will live in the meantime.
Having a full understanding of what your financial picture looks like, that you both agree on, will take away a lot of the stress as you'll both working towards a common goal. Best of luck to you both!!
"Don't forget about disability insurance."
Right on.
I work for a DI company and we insure plenty of dentists. Their hands are so important to their work and his insurance will be cheaper the younger he gets that done.
By the way – trust me – dentists make money and have a sound future. I see everybody's income on their tax forms.
If your husband enjoys dentristry, I'd say get behind him 110% and quit worrying. Be happy to be with a successful guy.
Carol G
Be careful! Sometimes taking out big debt makes it seem like "funny money": you're already so far in the hole, it's okay to borrow a little more for a nicer place or whatever.
Amanda, I'd recommend that you make a hard-and-fast rule that the student loan is TUITION ONLY, and that you two are living on your salary for everything else.
The other thing? Make like a breadwinner. I don't know what your attitude about money and employment is, but I expect you two are looking at his salary as at dentist being your major source of income for most of your lives. That's great, but that is then, and this is now. Don't settle for a temporary or admin job–throw yourself into your job like you will be the breadwinner forever. If you're not in a great career path, move. Get promoted. Ask for raises. You may quit in four years, but that's no one's business but your own. Meanwhile, if you've got to work, make it count and enjoy it.
You may have zero need for that last comment, but I'm always surprised at the number of women who are putting their husbands through school on maintenance jobs that they hate, instead of power jobs they enjoy. Maybe because they anticipate their careers being back-burnered as soon as the husband graduates? I don't know.
What a timely post!
I am thinking about going to grad school this fall at at UC school. I deferred last year because I wasn't ready to go and because they didn't offer me enough money to even consider it, but they offered me more this year. It's a PhD program in political theory, which could go either towards a professorial job (not lucrative), or towards government/consulting (more lucrative) or non-profits (again not lucrative).
Here's the situation:
The school costs about $11k annually including insurance, plus $14k as an out-of-state resident for the first year. They are offering me $27k in funding, as wages for TA'ing and the corresponding tuition reductions for that quarter.
Thus I will have $2k in 'income' my first year, and will need to make up the cost of living expenses with savings (approximately 60k in mutual funds) or take out a student loan.
The remaining 4-5 years of the program will be significantly cheaper than the first year, as I would be eligible for the in-state tuition, immediately saving approx $14k a year in expenses.
What is the best path for me now, financially? I am currently unemployed, due to being fired from my employer, a law firm, after complaining about not being paid the overtime due us. I am looking for another job, if I go to school I am considering going back into waitering to make quick money. That would also avoid any ethical quandries with accepting a position only to leave it in 5 months to relocate to California.
If I go to this program, would it be better to pay for my expenses with my savings? Then I wouldn't have to pay any interest or fees, but would lose that earning potential over the next 5+ years and would pay capital gains tax (probably 5%). Or, should I take out some loans, work as a TA and during summers, leave my savings where they are, and pay off the loan quickly after I graduate with my (hopefully increased) savings?
Hope I explained this clearly.
Thanks for any advice or suggestions you might have!
I got out of college with just under 20k in debt which is only 10% of the debt he will amass, but it still feels like a ton. Just take it one payment at a time and throw as much money as you can at it. Currently I'm paying nearly $1000/mo instead of the min payment of $167 (I'm still saving $1000/mo and putting $500/mo in retirement) and it's really bringing down that interest accrual.
I would first see if he can volunteer peace Corps or Public service to have a company pay he to go to school . Before I just plunk down 50K a year.
Depending on her income, she can pay at least half of it a year
Wow, lots of good stuff here. I think it sounds like you're in a good place, Amanda. You seem financially savvy enough to handle this. As long as you live on your income, stay frugal, etc, I think you should do fine. Maybe put together a debt-repayment plan for after he gets out of school. Then, if possible, keep working at your job, living the same and devote most of his earnings to debt repayment. After that, you'll be free and clear and able to enjoy that dentist's salary (reasonably anyway).
Sophie's right, too, the present moment is a good one.
And you can always take Kris's suggestion, too.
i can appreciate the situation. i am a graduate student myself, and we have decided to send my husband back to college after 10 years of working, after a significant injury (and a denial for a disability insurance policy before that), and significant medical debt to accompany it.
did i tie in enough of the above mentioned subjects? do i win a prize?
seriously, you can NOT worry yourself for 4 years or however long it will take him to graduate. i panicked for a full 18 months over this medical debt that wiped our goals off the map- basically till we paid it off. it takes its toll on you mentally and physically. next round, when we lost our breadwinner income, i panicked for about a month. i had it down to a week when we decided he wouldn't be going back to work in that field and would be going back to college. and my body thanks me. 2 straight years of panic would have done horrible things to me. the 18 months already was taking a toll on my own health, which was detrimental to my ability to care for my husband post-surgery and such.
we moved to a cheaper apartment and took a lot of steps to keep our expenses below my take-home monthly income. (i don't bring home much, for the record.) now, i don't worry. i know my income pays the bills. husband is getting a part time job so that we have a few extra bucks each month to stash away in case of emergency.
so we have to take out some loans to pay for school. that's ok, we know we can't pay it out of pocket and there is no other way. we're not using it for living expenses, it's for tuition and books. that's all.
keep your common sense about you, it's a very valuable asset right now. time and hard work will get you through. remember to keep working on your marriage too in all this- a neglected relationship grows very poorly.
best of luck, it can be done.
For those of you encouraging working part-time, I think you have to be careful. I graduated from law school with a fair amount of debt, but I only was able to get the high-paying job I have because I had great grades. If grades are ultimately the driving factor to success, that needs to be the biggest focus for right now. In other school opportunities, it isn't driven as much by grades as by connection, in that case a job might be a better option. But for now, I would recommend doing everything you can to make school a successful experience.
I've written about my experience in the forums before and delaying isn't always an option. I would have never saved up enough money to pay for three years of school. But I've easily been able to pay off the debt and more afterwards. It was the best financial decision of my life.
In other words, school debt can be good debt or bad debt. Just make sure it's the good kind If you've run the numbers ahead of time to make sure it is good debt. If you are convinced it is a good investment, be happy with the decision and relax knowing that it will pay off in the end.
I would suggest buying disability insurance of some sort. I borrowed 80k for an art degree and work in the field but never thought of what the consequences would be had I had an accident and couldn't pay the debt. I am all for supporting your partner but protect yourselves financially along the way.
I agree that trying to accept this upcoming debt as a useful means to reach a goal is the best idea. I am currently a professor at a medical center, and I don't know a single one of our graduates who has had income worries after completing their study. Even when our students do fellowship work after graduation, which is low-paid, the NIH loan repayment plans ($35k in debt reduction annually) boost their implied income. If you're basically frugal and smart about not ramping up your lifestyle, you will be fine.
However, I would urge you to be cautious about the suggestions to do part-time work. There are times in the health professions when this makes sense, and times when part-time work will negatively affect your studies. There are many volunteer opportunities in medicine available while you're a student that can improve your job prospects and long-term happiness. There will be situations in the future where your husband will be unsure whether to take the training opportunity or earn some extra cash. Our students have always been happier in the long-term when they chose the training opportunity.
I am sorry to tell you something you probably don't want to hear, but I am begging you: Do not get a PhD in political theory. Although I currently work in academic medicine, I hold a social science PhD from UCB, so I know something about the job prospects in the field. Practically speaking, there are no academic jobs for political theorists; there are many, many more PhDs than positions and this situation is only getting worse. In addition, political theory training is not valued by governments or consulting firms. Getting a PhD in this field is a very expensive way to make yourself unemployable (attrition rates before completion are also high as many people drop out when they realize how bad things are). Most programs will claim their placement rates are fine, but I urge you not to take their word for it. You can easily research the prospects for political theory PhDs; if the information doesn't depress you, you're a better man than I, Gunga Din.
That said, if you decide you want this degree for the experience (because it won't improve your job prospects), you should definitely use your savings to pay for it.
My husband and I have a similar debt from his graduate education (lawyer). It's scary when we realize that the mortgage on his brother's house is lower than our debt, but at the same time, we know that eventually we'll be out of that debt and have a good future. Also, he's doing something he loves and we know he'll always be able to find a job. The same can be said of dentists. So live frugally for now, and then continue to live frugally after he graduates. Make paying down the debt your focus for the first few years after he finishes.
I am a lawyer and graduated with around $60k in debt — all federal loans. I did consider the debt before going to school, and realized that my eventual earning potential far outweighed the debt.
Here are some things you can try to do to minimize you exposure: it sounds like you're going to take out private loans, which is fine. Make sure you get all of the federal funds coming to you (Pell grants, Stafford, etc) before you do that. Next, on the unsubsized federal and the private loans, PAY THE INTEREST OFF. Don't let it accrue, because it ends up becoming principal. If you can afford it, that's one way to keep your debt from multiply over the next four years.
Third, I would disagree with the majority of commenters here and say your husband should NOT get a part-time job while he is in school. Today's grad school, whatever it may be, is the college of the 60s and 70s. His grades WILL be looked at, and he needs to get good grades. That extra $1500/month or whatever he could make will not be worth the possibility of lower grades.
Fourth, accept the fact that he's going to be in school and things will be different. For spouses of graduate students, I think there is a lot of resentment (I have to support you while you have fun in school) and pressure (I have to support both of us) and misunderstanding (You're hanging out with people and having a good time while I'm working). I saw it all the time in law school. Realize and really think about what your husband's study habits will be. Try to prepare. Dental school is no joke, as I am sure you know.
Last, don't get consumed by this debt. It will ultimately benefit your family. I question lawyers who take on $180k in debt because law jobs are NOT as lucrative as many people believe they are. Dentists, however, can specialize in certain areas and basically assure themselves a certain lifestyle. Good luck to both of you!
Make sure you've exhausted any and all scholarship or government funding opportunities. There could be money on the table that you don't know about.
If part-time work is possible, your husband could look for work at a dentist's office.Even if he's doing office work there, he'll be getting firsthand information about how the business works, and it could lead to a job or good connections after graduation. Plus his employer might be more supportive and understanding of his situation, having gone through it him/herself.
Other part-time options:
Work at the school where he's studying
Look for work within walking distance of the school or home, to maximize time
I really do think we confuse good and bad debt. Investing in a career is a way better investment than taking on a mortgage that's too large for your income. If that's the best program for him, and he's ruled out all options of grants, scholarshops, whatever, then just deal and enjoy the ride as others have suggested. Try to remember that they are not going to ask for all that money back at once. My schooling costs were about $150k, and not even 8 years later, it's gone. It's not impossible if you live within your means and apply any additional windfalls to the debt. Would I have taken on 150k to become a philosophy major? Probably not. But you have a good expectation of reasonable income in the future.
I'd structure things so that you are living comfortably on one income for now (reasonable housing payment and transportation costs). This is not the time for brand new cars and the big house in the burbs, even though that seems to be the American expectation for newlyweds. Really, it's OK to rent. It probably means postponing children until he's a few years established in his career. Think library instead of Netflix, cooking at home, stuff like that. It's not unpleasant, and I even scheduled splurges into my budget so things weren't an interminable drag.
The advice about continuing to live like he's in school for a while after he graduates is spot-on. And definitely consider adequate life insurance and disability insurance for both of you. Good luck to you both!
I have to respond with a resounding DO NOT DO IT for the recommendation that he work part-time while in Dental School. I don't think some commenters have a real idea of what the schedule and lifestyle is for someone in medical or dental school. My experience of medical school had me in lecture from 8AM-5PM followed by daily review and study. Weekends were spent studying as well as reviewing anatomy and practicing, and sleeping whenever I could. My 3rd and 4th year were spent basically in the hospital, getting 1 day off each week if I was lucky. You do not have time for a part time job. And if you choose a part-time job over research or rotations to improve your skills, grades, and gain contacts you are shooting yourself in the foot.
Realistically, the debt you obtain is going to be painful. Currently, I have deferred $180,000 at 2.83% and I am the low end of median, my colleagues are at 250K and above depending on whether they had to pay for undergrad or go to a private school.
The good thing is that Amanda is working and presumably they have no children. If at any point Amanda becomes pregnant, life becomes very difficult because she will not be working, and children are expensive. Nonetheless, I believe even without living expenses, tuition at many dental schools is in the range of 40-50K yearly. So, if they can live on her salary it will be good. The tools that he will use will have to be purchased as the dental school is not in the habit of providing you these as part of your tuition. The good thing, they are deductible and they will have a lower tax burden while he is in school.
As for what to do after he has completed training, I will point out that if he is planning to open up his own office, you will go into more debt initially because it will be expensive to start a practice or buy someone else out and a loan will be needed for that. However, people do go to the dentist and unlike many physicians, the dentist gets paid upfront or the service is not provided. The economics of that promise at the very minimum a profit of 150K or more yearly. If you avoid expensive purchases like a larger home, expensive cars, or vacations for the first few years then you should be able to pay off your debt as quickly as you want to.
Personally, my loans are currently deferred, they are accumulating interest and I am glad I consolidated. However, I still have lots of credit card debt because I didn't have a spouse to cover the equipment and other things that needed coverage during medical school. Residency is helping me keep that debt from going out of control but I know within 6-8 months of finishing my fellowship next year I will be able to get rid of all of my credit card debt as well as several of my smaller loans. I see no point in paying off a loan at 2.83%. I get better returns out of my savings account right now at 3.6%.
My final point to Amanda and her husband would be to feel very sure that dental school is for him. If he doesn't like it, he needs to decide within the first year. 200K is not a joke and you really need to know what you want at the beginning.
I don't know if this has been said or not, but dentists make EXTREMELY good money. He can pay off loans in a very short amount of time upon graduation.


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subset: commoncrawl


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BOSTON, MA – Rutgers rising junior Cappie Pondexter (Chicago, IL) hit double-figures in scoring for the second straight day as the USA Basketball World Championship for Young Women Team defeated Australia, 61-56, July 16 in Boston, MA.
Pondexter scored 10 points and added six assists, two rebounds and a pair of steals in the win, playing 30 minutes. Yesterday against Brazil, the USA co-captain collected 11 points and four assists. Pondexter was one of two Americans to reach double-figures in scoring against the Australians, and she has led the team in assists in both games.
The 12-member team is playing a series of "friendly" games at Northeastern University as the U.S. prepares for the FIBA World Championship For Young Women. The U.S. Young Women will play Brazil on July 19 at 1:00 p.m., and the Australians again on July 20 at 3:00 p.m. Following the stateside games, the U.S. will head to Sibenik, Croatia, to train July 22-24 before beginning the World Championship for Young Women July 25 against France. The tournament runs through Aug. 3.
Pondexter, a 5-9 guard, is spending her fourth consecutive summer as a member of the USA Basketball squad. As a co-captain and the team's starting point guard, Pondexter helped lead the U.S. to the gold medal at the 2002 World Championship For Young Women Qualifying Tournament in Ribeirao Preto, Brazil. She led the tournament with 6.5 assists per game, adding 8.8 points, 2.5 rebounds and 2.5 steals per contest. She won a bronze medal as a member of the 2001 U.S. Junior National Team which competed at the FIBA World Junior Championships in Prague, Czech Republic. Following her junior season at John Marshall High School, Pondexter was named to the 2000 U.S. Junior World Championship Qualifying Team, helping the Americans win a gold medal in Mardelplata, Argentina.
Pondexter led Rutgers with 18.3 points and 4.9 assists per game during her rookie campaign, adding 5.1 rebounds per contest to rank second for the Scarlet Knights. An honorable-mention Associated Press and Kodak/WBCA All-American as well as the 2003 BIG EAST Rookie of the Year, she also was the first rookie in conference history to earn a spot on the All-BIG EAST First Team. One of 12 finalists for the Nancy Lieberman Award, which honors the top point guard in Division I women's basketball, Pondexter also was a member of the BIG EAST All-Tournament Team.
The Scarlet Knights, led by Pondexter, engineered the most dramatic turnaround in Division I this past season, improving from 9-20 in 2001-2002 to 21-8 and a trip to the 2003 NCAA Tournament's second round.


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Desert Gift
- Wednesday, June 29, 2011
Jill went on. "But that's just everyday life, you know? It's what he married. Piled up for twenty-four years with no serious complaint out of him, do they create a motive? I don't think so. But what about the big-deal stuff? the stuff that really matters?"
The woman's eyes were wide open now.
Jill slid into familiar territory, her tone confident. "The big-deal stuff is definitely in the plus column. Jack and I talk openly about everything, and I mean everything. We always have. We like each other. Physical intimacy is very good. We attend church together. We go on dates regularly. We spend time with mutual friends. He loves his work. I love mine. Our son is a mature young adult. As far as I know, that covers it. And trust me, I know a lot about marriage."
The brows disappeared behind Miss Sullen's bangs. "You sure sound like you do."
"Well, I've studied it for years. I speak at women's conferences about it and teach it to a women's Sunday school class. Have for years." Instantly her jaw locked again. Her cheeks flushed. The gush of boldness ebbed, like water circling a drain. She heard its sickening slurp.
"So," the woman said, "you're like an expert."
"Um, sort of." The doubts were piling up faster than last night's snow. She wasn't about to explain that not only did she speak on the subject, she hosted a syndicated radio show devoted to it. And not only that, but she had even written a book about it.
"Then you know what this is about."
Jill met the young woman's dark eyes, more somber than sullen, wiser than thirtysome years awarded. Her black cashmere sweater did not quite reach the top of low-rise jeans. Her tall boots were of soft leather. Silver bangles clinked on her wrists, a huge diamond flashed on her left hand.
Jill said, "How do you know?"
"My husband is fifteen years older. We met at the beginning of his crisis."
As in midlife crisis.
On any other day up until this day, Jill would have asked the woman a gazillion questions and taken notes. She must be a gold mine of information. She was the prototype of the Younger Woman whose path crossed the Older Guy's as he bounced around in a confused state of dipping hormones or dying career or diminishing whatever.
But right now Jill was not pulling out her pen and pad. Right now she was imagining Jack grinning at a beauty half his age.
"Then again—" the woman slid her headset over her ears—"maybe he just has the flu." She picked up her book and began reading again.
Jill leaned her head against the seat back and closed her eyes. "Midlife crisis and divorce." She whispered the dreaded words as if tasting a kumquat. Their unfamiliar acidic flavor settled on her tongue. Did she have to get used to it?
Tears stung.
I vote for the flu.
* * *
Agonizingly long hours later at the Los Angeles airport, Jill greeted Gretchen MacKelvie curbside with a quick squeeze. "Hi."
"Where's Jack?"
"Home. Flu."
Gretchen held her at arm's length. Taller than Jill's five-two by several inches, she was large-boned with long, wavy brown hair and full lips. "Flu."
Gretchen's left eye narrowed; the other flashed neon green. Her ski-slope nose twitched. She had perfected the matronly glare long before she'd turned forty-two. "What's up with the incomplete sentences, Miss Jaws?"
Jill glared back at her. "It's either flu or midlife crisis. I'm going with flu."
"Jill! What happened?"
"Nothing. Absolutely nothing. He just didn't feel like coming." She shrugged off Gretchen's hands. "Is that your rental? The security guy's heading for it."
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Please read our full list of features here
Based on Joomla MVC framework with all its advantage:
- Template overriding,
- Implementation of Joomla Plugins for: payment, shipment, coupons, calculation rules, custom product fields, ...
- Simple installation and integration of other joomla extensions.
- Joomla 2.5 ACL
- nested categories
- with meta tags for seo
- with description and media
- with meta tags for seo
- short and long description
- dimensions (weight, size)
- multiple media
- variants, attributes
- unlimited child products and derivated levels
- product pattern (Parent product used as pattern for child products)
- related products
- reviews and ratings
- pricing depending by shoppergroups
- price display depending by shoppergroups
- payment/shipment depending by shoppergroups
- customizable shopper input form
- input form depended on registration, checkout or shipment
- recaptcha
- adressbook
- default Bill-to and Ship-to address
- default payment and shipment method
- stocking/inventory
- stock warning
- virtual stock (ordered but not finally bought)
- various type of prices to display depended by shoppergroup
- prices adjusted by shopper choosen currency
- different currency format per currency
- unit price
- quantity based pricing
- auto updating rates
- add your own currencies for fixed currency rates
- default SEF/SEO integrated
- discounts based on time, category, shoppergroup, country, and state
- tax based on time, category, shoppergroup, country, and state
- discounts, tax per product and/or order
- discounts, tax have their own currencies (for duties)
- based on plugins, already onboard:PayPal, Paypal Pro, Paypal Express Checkout, Klarna and Klarna Checkout, Sofort Banking and Sofort iDeal, Skrill, Heidelpay, Authorize.net, (and a lot more in the net)
- minimal amount / maximal amount to use a payment
- transaction fees
- by countries
- by shopper groups
- based on plugins
- by shopper groups
- by countries
- guest checkout; completly anonymous checkout
- option to register at begin of checkout
- cart is an object, competly overridable by template
- cart is stored in the session
- multi-page checkout
- one page checkout
- payment/shipment workflow
- history
- modifiable
- order tracking for anonymous users
- order editing
- pdf invoice, delivery note
- latest
- topten (most sold)
- newest
- featured
- sortable
- searchable
- shipment/payment
- native with joomla 1.7
- with extra joomla components (joomfish) for joomla 1.5
- coupon handling
- r
Thank you for taking the time to review VirtueMart 2, when you say the front end is ugly, have you tried any of the numerous templates developed specifically for VM2, may we also suggest you head over to the extensions directory where you will find help postage and shipping extensions as well as some really awesome templates.
Each person has their own goals when building a shop, and whilst we disagree the core needs to be hacked to get VirtueMart up and running each user has to decide what is best for their use. We would also like to thank the hundreds of thousands of users who use and trust VirtueMart 2 to power their websites. Thank you for sharing your thoughts with us!
I never used VM1 so I can't compare, but VM2 seems pretty easy to setup get working. There was one hiccup at the end of my setup where there wasn't a good solution for calculating taxes in States like WA and CA, but they recently contracted with AvaTax and now my tax calculations are super easy.
Highly recommend this product if you are using Joomla 2.5!
It is interesting that you did not use VM1, many people who used VM1 maybe expect VM2 to be the same when it is not, and this has caused confusion. Thank you on behalf of the whole VirtueMart community who equally deserve your kind words.
The support forum is a mess. Beware that selecting your version before starting does not mean that the answers are applicable.
Many of the common bugs remain unanswered months later - including "Guest checkout" which has me stumped. Unfortunately the articles that rank so highly in Google do not provide solutions - after months of looking.
How to change the 'required' form fields is another problem unanswered.
Documentation is non existent - more than a year since release.
Version 1.1 was great and version 2 is very disappointing.
I realise this is a non-commercial release and I appreciate the work done - but this has turned from an excellent first choice tool that I had confidence to support to a product that feels like it was designed by a government committee - and is is now somewhere between a nightmare and useless. (unfortunately)
Version 1.1 had minor issues - ALL I knew how to work around or solve. I would have preferred to see a professional version released (that I even paid for) than this.
such a shame
We are sincerely saddened by your lack of confidence on VM2. The volume of features, increased security and general code that has gone into VM2 is staggering, if you read what some others say about VM2 they differ greatly from your unfortunate experience, whilst we believe VM2 is better than many paid solutions, you must consider this is a free product that grows from great feedback like yours, thank you!
Now they changed many many features that were perfect before to be way more complicated now... eg the vat system, price showing (still dont get it), checkout-site.
Sorry, but I think you're going to the complete wrong direction.
I have a lot of coding knowledge and VM knowledge, but I'm too tired to solve all those issues and questions I have with the new VM2.
I wish, they had just improved the features from VM1 and not turned everything upside down.
Thank you for sharing your insight with us, VAT is a simple matter of adding a tax. If you are referring to the way tax is displayed on the products page, this can easily be adjusted with radio buttons in the administrator/index.php?option=com_virtuemart&view=config >> configuration > checkout.
Hope this helps, if not, please head over to the VirtueMart forum for help.
Ok, there are still some bugs here and there, but the developers do really take care about them and most of them are solved immediatly.
They give you even personal support if you run in some strange errors....
The thing i like most about Virtuemart is, that is totaly open and you can change whatever you want by your own.so no shop is looking like the other...
Thank you for your kind comments!
Obviously, the job isn`t final yet. We have to give time to team continues providing us this great/ excellent extension upgrades.
Community is active and forum works fine.
Go VM team!
Thank you we really appreciate your feedback on behalf of the whole VirtueMart community.
I can understand why some reviewer give low rating. Because virtuemart is not 'out of the box' shopping cart extension.
With TONS of features and flexibility, it will be difficult for VM team to create one solution that fits all online business. So when you install, you get the GENERIC template which simply need lots of tweak.
But in developers perspective, when you able to understand Joomla MVC, VM2 is really a complete shop that has TRUE integration with joomla, you can do almost anything.. the sky is the limit !
Why i don't give 5 star ? because of the documentation! At this time of writing, this is where Virtuemart Team need to put more commitment, even their wiki for Virtuemart 2 plugin development is outdated. (per December 2012) This can mislead a lot of people who wanted to develop solution with Virtuemart 2. So, if you want to learn VM2, you must gather information yourself in forum and by compare the code from default plugin.
Conclusion ? Virtuemart 2 is in the right direction to build powerful shopping cart in Joomla, it need extra work on the documentation (i think you should give the user guide for free instead of buying it from oscmanuals).
If you claimed to be a Joomla developer, this extension is worth 'time investment'
Thank you for your comments re: documentation, it has been noted.
Thank you!
I understand you can't get everything right the first time, especially for such a big upgrade of such a complex product. And I understand this product is free, which is great! But I'm having a very hard time explaining all the problems to my clients. And would be happy to pay for support if the option is available.
Please don't ask people to upgrade when this product is not finished. This should still be in a development stage. And causes major headaches in any production environment.
So think twice before using this plugin, or wait another year if possible.
Hello nuntius, thanks for your feedback. A version vm1.5 was never officially released. I think you mean vm1.1.5? It took us some time to find your 2 posts in the forum. I am quite sure that there was just a misconfiguration, but we work on it so that it is easier to configure, for more read here http://forum.virtuemart.net/index.php?topic=100330.msg372778#msg372778
The component virtuemart 2 is really very big and has a lot complex features. Most people use only 30% of the features, but of course all people have different 30%. So your problem was just not considered as important for most people. Anyway a fix is on the way, you may read my answer in the forum here http://forum.virtuemart.net/index.php?topic=105773.msg370755#msg370755.
And please consider. The JED is not the correct place to push bugs you wanna have fixed. Virtuemart 2 is a project, not a product. Consider how you can help the project. Thank you.
The shop is obviously faster than the old one and looks a whole lot better - much more professional. It does need a little more knowledge and experience of the way things work and more thought in configuration as there are many more settings than the old version that need attending to. Once I learned the right way to use overides, changing the layout and look of the pages was much easier than on the old version.
Now my sister's shop site needs updating. At the moment it uses another store extension, but it will change to Virtuemart 2.
All in all a great job - and a great price, too!
Virtuemart is a great solution for users with or without php-knowledge. It is easy to use and it is for free!
If someone have problems, go to the forum and there are many people who will help you. Some day I was also a beginner and I found in the forum help on all my questions.
Thank you for your thoughts, sorry for the late response. It would be impossible to identify your specific problems from this post, we would suggest you break down any problems you have and you will find solutions and find answers on the VM2 forum. In many cases people do not clear their cache, which results in products appearing to not be removed. I refer to the website cache, not cash which is not required for the VirtueMart as we all know this is free.
But everything is hard in the beginning. I always have a period in my learning proces in which I want to throw my PC into a canyon.
But after a while you get the hang of it and try to experience more and more. If it's software or just study books, you just need to put some time and effort in it.
Most people here are like me, they have problems with the module or software, but don't want to look in the documentation of on the forums. Sadly most people like that begin to complain instead of looking for a solution. That's why I wanted to give a good rating for the hard work the guys of VirtueMart put into this software!
Keep up the good work guys!


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Governor Tim Kaine announced Wednesday his proposal to expand access to health care for the uninsured. His proposed budget will include funding to increase women's access to critical preventive care, expand the health care safety net for the uninsured, and launch a pilot initiative to provide insurance to more working families.
"One in seven Virginians still lack health insurance because their employers don't provide it or because they cannot afford it," says Kaine. "As more citizens rely on our health care safety net for their most basic health needs, we must strengthen that system. We must also look for new, innovative ways to provide access to health insurance, sharing responsibility with our private sector partners and our citizens."
The proposed budget includes additional funding to support Virginia's health and dental care safety net providers to stabilize their operations, expand access to health and dental care services, and coordinate services for uninsured Virginians.
Community-based providers, who will receive funding, consist of free clinics, health centers, local health departments, and other local or regional organizations providing care to the uninsured.
"Over one million Virginians are uninsured, and for many, Virginia's health safety net is the only place to turn," said Debbie Oswalt, Executive Director of the Virginia Health Care Foundation. "We are grateful that the Governor recognizes the importance of the safety net and the strain it is under, and are thrilled with this investment of state funds."
Kaine is also seeking to expand preventive care for uninsured women. The proposed budget includes funding to provide free screenings and diagnostic tests for breast and cervical cancer for more than 1,000 uninsured women ages 18 through 44.
In addition, he proposes to expand state-supported prenatal care for low-income women, from 185 to 200 percent of the federal poverty level. This expansion will offer coverage to an additional 400 women per year.
"Despite its status as one of the wealthiest states, Virginia has a high infant mortality rate," says Kaine. "By providing more women with access to prenatal care services earlier on in their pregnancy, I am hopeful that we can begin to decrease the number of infant deaths in the Commonwealth."
The budget also addresses an innovative recommendation from the Health Reform Commission to provide an affordable health insurance option to low-income workers.
The Governor's "VirginiaShare" Health Insurance Program will expand access to health insurance coverage for low-income families earning 200% of the federal poverty level or less, and those who work for small businesses that might not be able to afford health insurance for employees.
The program will model private insurance coverage, with the state covering 1/3 of the premium costs for participating individuals, up to $75 per month. The employer and the employee will each cover 1/3 of the remaining cost. More than 5,000 Virginians are expected to be able to get health insurance when this program begins.


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Product Finder:
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Magazines are great, who doesn't love to read them? The only problem with magazines is that there never seems to be the perfect place to keep them that will keep them out of the way but will also keep them handy as well. If you have been looking for the perfect solution to your magazine storage problems you will likely find it on our site. Magazine Rack Shack is a unique online resource for everything related to magazine racks. Whatever your style, whatever your need you will find it at the Magazine Rack Shack.
Because magazine racks are all about organization you will find that the site is very organized. This organization is to help you find what you are looking for in a magazine rack as easily as you can. We have separated all of our products in the following ways bathroom racks, contemporary racks, floor racks, leather racks, metal racks, tables, wall mounted solutions, wicker units, and wood organizational racks. If you have a specific need you will find that you can search our site by material instead of just by style or product type.
The bathroom is a place that many of us enjoying catching up on our celebrity gossip or political news through magazines. It's nice to have the magazines there in the bathroom but the floor and the top of the toilet are never very attractive places to store magazines. Instead of storing your magazines in these places browse our magazine rack selection and find the rack that will suit your needs. You may be surprised at how easy it is or organize and beautify your bathroom with one of our racks.
The Magazine Rack Shack offers a lovely selection of contemporary magazine racks that will fit in well in your home. If your bedroom, living room, den, or even your bathroom has a contemporary style you will find that our contemporary selection of magazine racks has plenty for you to choose from. Keep your contemporary themes going with one of our contemporary racks!
Floor magazine racks are always a nice choice because they allow you to keep your magazine racks organized even if you don't have the wall space to keep them on a rack on the wall. If you need a floor rack you will find that we have a lovely selection to choose from. No matter what your style you will find something that you like in this category.
Leather and metal are always nice choices for a magazine rack, especially if you have these materials in the rest of your home. The Magazine Rack Shack offers a variety of both metal and leather options in many different sizes and styles. Your magazines will look great in any of our leather or metal options. We also offer a variety of wicker and wood racks that will allow for you to store your magazines in a rack that adds beauty and style to your home.
The Magazine Rack Shack offers a great selection of tables that not only feature a nice sturdy table top but also magazine storage. These tables can be used in any room of the house where you have a need for magazine storage as well as a table. This is a fun and attractive way to store your magazines, handy too!
Our site also offers a wide selection of wall mounted magazine racks in a variety of different styles. Wall mounted units often work really well in homes where floor space is limited or where there is just plenty of wall space that can be used. Wall mounted magazine racks are always a great choice and we offer them in a variety of shapes, styles, and sizes.
The Magazine Rack Shack is truly your ultimate resource for magazine storage. Take some time and browse our selection and find the magazine rack that will suit your home well. With all of the options we have we are sure that you will find exactly what you are looking for!
An ivgStores®Company


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Have you ever really stopped, sat down and taken a hard…long look at your life? Well, two years ago I had not. At that time in my life, I had thoughts that I should be doing bigger and better things. But I never did anything other than what I considered "safe." I think I'm finally starting to realize that some risks just have to be taken.
When I was a little girl I dreamed of living some sort of amazing life, filled with love, and of course the fairy tale ending. Like most young girls, I wanted the big wedding and to be swept off my feet by an amazing man who would give me my happily ever after. But my story did not go as planned. My dreams ended about two years ago in August 2012.
Life happens. Isn't that a quote we've all heard? Well, life happened to me. It stuck its cold fingers deep into my chest and ripped my heart out without even blinking an eye. Luckily though, I think it was trying to teach me some sort of lesson. So "life" left my heart in a jar, and put it on an end table next to my front door. After a few years of clawing and crawling, I made it to that table and have found the piece of me that's been missing. I wish I had a better story to tell you, maybe something crazy about how I traveled the world and experienced all these amazing feats. But mostly it's about heart-break, building stronger relationships, and self-growth.
In 2012 I separated from husband, and a little less than a year later we were officially divorced. Divorce, although I realize that it does happen, is not something I wish for anyone. I'm the type of person that fully believes in "til death do us part." But my fairy tale did not pan out how I envisioned it. I see now that it was for the best, it made me stop and think about everything in my life. I know that because of that experience I am a better person than I was a couple of years ago. I'm stronger, more loving, forgiving, honest, and not willing to settle!
I do have to say there is nothing that I regret about the years I spent married to my ex. We just didn't work together. I don't hate him; in fact I wish him all the best life can bring. I can look back and say that we did share some really great times. However, there were other times that were not so great. Everyone has their own idea of how they felt they were treated in a relationship, and those ideas may not always be the same between the two parties. Personally I never felt that I mattered, that nothing I did was ever good enough. And not that it was just him making me feel that way. I was very insecure; we all have our moments of feeling that way, right? I mean, I was married, I had my Bachelor's degree, but I had no job. So to me it felt as if I wasn't contributing to our "family." For some reason, I was being overlooked and every attempt I made failed.
In the last fight my ex and I had, I was told that maybe I wasn't finding work was because the only job I've had was in a dental office. But my thought was, "someone has to take a chance right?" I am definitely not a stay at home, let the man work type of girl. I wasn't raised that way. I grew up watching my mother and father work, trying their best to provide for their family, and equally doing their part to make things work. I've always been taught that you rely on you; you don't need someone else to "take care" of you, so to speak.
Back to my story, a month after we split up I got a call for an interview. Finally!!! That job, I got! It was nothing fancy, and in a world completely foreign to me. But I had a job, and I was going to do everything I could to keep it. So off to the land of retail I went. Not sure why I had never done retail, because after working there for a short time I realized that it fit me. I love connecting with people, and helping people. It made me happy to go to work and put a smile on someone's face.
Fast forward to now, I'm still in retail and an assistant manager for another store. I love it, and my customers love me! Do I think I will be in retail for the rest of my life? Who knows? But I do know that I get to make other women feel good about themselves, and give them confidence. That is something that I struggled with for so long. I still have my moments, but I am a better person now than I have ever been in my entire life. Maybe it has to do with the people I have met over the past two years, or the relationships I've built and improved on, or maybe it is just me evolving.
However you look at it, I am grateful for everything that I've been through. I have laughed, cried, became weirder, dated, loved, and smiled more than I could ever imagine in the past two years. All of it has given me a deeper faith, taught me to love deeper and wholeheartedly, and to never…ever give up on myself! I know I will fall in love again, and finally have my happy ending. It's not always going to be pretty and I may even get hurt again. But I do know that once I find my soul mate (yes, I believe in that), it is going to be the most terrifyingly beautiful experience of my life. Until then I'll continue on my path. I know now that I was placed on this earth to help people. I don't know in what context yet, but every day I am reminded that I can make a difference in someone's life. And most times it only takes the tiniest of effort, even if it's just a smile!
Until next time…


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Ntbackup.exe May Cause 100 Percent Central Processing Unit Utilization
Article ID: 252500 - View products that this article applies to.
This article was previously published under Q252500
If you use Windows 2000 Backup (Ntbackup.exe) to schedule a backup on your Windows 2000-based computer running Exchange Server version 5.5, when the backup process starts, the backup tape is not overwritten, and you may receive the following error message:
Also, after you quit Ntbackup.exe, you may experience one or more of the following symptoms:
There is no unused media with the selected type. Add unused media or click cancel to select another type.
To resolve this problem, obtain the latest service pack for Windows 2000. For additional information, click the following article number to view the article in the Microsoft Knowledge Base:
260910NOTE: To view the file version, right-click Ntbackup.exe in Windows Explorer, click Properties, and then click the Version tab.
(http://support.microsoft.com/kb/260910/EN-US/ )How to Obtain the Latest Windows 2000 Service Pack
The following files are available for download from the Microsoft Download Center:
US EnglishFor additional information about how to download Microsoft Support files, click the following article number to view the article in the Microsoft Knowledge Base:
Download Q262259_w2k_sp1_x86_en.exe now
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119591Microsoft scanned this file for viruses. Microsoft used the most current virus-detection software that was available on the date that the file was posted. The file is stored on security-enhanced servers that help to prevent any unauthorized changes to the file.
(http://support.microsoft.com/kb/119591/EN-US/ )How to Obtain Microsoft Support Files from Online Services
To work around this problem, stop the Ntbackup.exe process in Task Manager.
Microsoft has confirmed that this is a problem in the Microsoft products that are listed at the beginning of this article. This problem was first corrected in Windows 2000 Service Pack 1.
Article ID: 252500 - Last Review: February 20, 2007 - Revision: 4.6


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Yesterday evening, I went to put a garbage bag down our building's garbage chute. Because I like a challenge, I attempted to do this one-handed. The heavy metal door slammed on my fingers. The pain was incredible.
I am not someone who runs to the ER a lot, but holy crap this was painful. I had visions of my fingers falling off or at the very least becoming unusable. Since one of the smashed fingers was my middle one, obviously we couldn't have that. I am going to New York on Thursday and what would a visit to that city be without being able to use that expressive finger? Anyway, my beloved sister Annie took me to the emergency room and after three hours and some x-rays, it was determined that it was just a painful bruise. I got some pain meds and was sent home to a sleepless night of pain, cursing my garbage chute and trying to figure out who I should sue. I'm thinking Donald Trump.
Monday, August 2, 2010
A Smashing Good Time
Posted by Taryn at 6:36 AM
2 comments:
I sliced open my finger on my new food processor blade recently (those MFer's are sharp!) My finger still feels weird, like kinda numbish. Being like my father who was the role model for the Black Knight in Monty Python's Holy Grail ("It's only a flesh wound..."), I of course did not go to the ER and get stitches or pain meds.
Paint those suckers with turquoise nail polish and you're good to go. Especially if you bring the pain meds to NYC. Ever seen Times Square on one of those babies? (Yeah. Me neither. But IMAGINE.)ReplyDelete
(Also: OUCH)
Subscribe to: Post Comments (Atom)


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Something fun for Bayley on her 20th Birthday.
You teach me how, Bay. Love you.
ps. sorry it ends abruptly, my card ran out!
give it to me slowly
4 my girls
all I wanna do is watch Lana del Rey vids and think about my hot teacher
so much fucking girl hate I cant stand it
and we took zzzquil together and woke up in our clothes, atop the covers, tea cold on the bedside table.
Anonymous said: i wanted to take you home
ahh bby, shoulda made a move
and these too
found this gem


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As emergency medicine physician assistants, you may see patients that present with vague symptoms, such as acute attacks of abdominal pain accompanied by nausea, vomiting and/or diarrhea, or unexplained recurrent bouts of these symptoms. You might diagnose these symptoms as appendicitis, bowel ischemia, inflammatory bowel disease or irritable bowel syndrome, but it could be something else entirely.
HAE is a rare, severely debilitating, life-threatening genetic disorder caused by a deficiency of C1 inhibitor, a human plasma protein. This condition is the result of a defect in the gene controlling the synthesis of C1 inhibitor. C1 inhibitor maintains the natural regulation of the contact, complement, and fibrinolytic systems, that when left unregulated, can initiate or perpetuate an attack by consuming the already low levels of endogenous C1 inhibitor in HAE patients. Patients with C1 inhibitor deficiency experience recurrent, unpredictable, debilitating, and potentially life threatening attacks of inflammation affecting the larynx, abdomen, face, extremities and urogenital tract.
As front-line providers, it's vital that you know the signs and symptoms of HAE. For undiagnosed patients, a lack of awareness can pose a danger because every minute counts in diagnosing HAE and because HAE symptoms can mimic other conditions. For patients who know they have HAE, it can be frustrating if emergency department diagnosticians don't know about or understand how to manage the condition.
HAE does not respond to drugs that treat other types of allergic reactions, such as such as antihistamines, epinephrine and corticosteroids, and if a facial or laryngeal attack is left untreated for too long, patients can experience upper airway edema that may lead to asphyxiation. Unfortunately, mortality related to laryngeal edema and asphyxiation has been reported in up to 30 percent of HAE patients who were previously undiagnosed and untreated.
SEMPA has joined a growing collaboration of professional organizations in "HAE: Learn About It, Talk About It," a peer-to-peer clinician education program aimed at improving the accurate diagnosis and appropriate management of patients with HAE. As part of the collaboration, you now have access to tools and resources to help you identify and manage HAE in your ED:
For your patients with HAE, the "HAE: Learn About It, Talk About It" program has launched a toolkit for patients and their families to navigate HAE in their daily lives. Patients can visit www.HAEandMe.com for the toolkit. Below are the components of the patient toolkit that you can also provide your patients:
"HAE: Learn About It, Talk About It" is a growing collaboration among the American College of Allergy, Asthma and Immunology (ACAAI), the American Gastroenterological Association (AGA) Institute, the World Allergy Organization (WAO), the American College of Emergency Physicians (ACEP), the Society of Emergency Medicine Physician Assistants (SEMPA), and the American Academy of Nurse Practitioners (AANP).
The program is supported by ViroPharma Incorporated.
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Stock Number: ES187709
In Stock
Available for immediate despatch
Rated 5.0 out of 5
(2 customer reviews)
Read all reviews
Write a review
Gold plated Scart plug to 3 Phono and S-Video socket adaptor.
perfect ... need one buy it.
20 July 2012
By Anonymous
- hants
Read all reviews...


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|Shopping Cart Need Ideas?
(Mon-Fri 8am-7pm Sat. 10am-7pm EST)
This etched crystal golf award is a great gift to get with recognition for being a fantastic golfer! Imprint a personalized message on the front for remembrance of that special event! Call Imprinted.com today at 1-877-411-0036 and speak with one of our customer service professionals today.
Set Up Fees: $62.50 / Location per order / Personalization $10 per persons name
Small Dimensions:5"W x 6 1/2"H x 1/2"D
Small Etch Size:3"W x 4"H
Medium Dimensions:5"W x 8 1/2"H x 1/2" D
Medium Etch Size:3"W x 5 1/2" H
Large Dimensions:5" W x 10 1/2" H x1/2" D
Large Etch Size:3" W X 7" H
Decorating: Sandblast ETCH
Packaging: Presentation Box


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Lyle mini
• Male • $1,100
Super Fluffy Duffy Buster Eskimo Boy
• Male • $1,895
Mini Eski Paradise
• Male • $500
American Eskimo Dog Puppy
Receive an email alert when additional American Eskimo Dog puppies are added. It's easy and free!
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INCLUDES: registration, pedigree, health guarantee, first shots, dewormings
Puppies come with FREE Pet Insurance when adopted from NextDayPets.com! *Please ensure your breeder participates
Bulach KENNELS
Member Since: November 2004
Location: Cincinnati, Ohio


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| A Career with Triton
Challenge your abilities, engage your imagination and embrace your future
We seek quality professionals with the skills for today and the drive for tomorrow. Whether you are graduating from college, separating from the military or simply unhappy with your current job, we have many positions available in a variety of locations.
Employment is a mutual commitment, and as such, Triton is dedicated to the happiness and well being of each employee. We ensure job satisfaction through feedback initiatives and project transfer programs. We provide a comprehensive benefits package including several time managment options such as flextime and discretionary leave to help you balance the demands of work and personal life.
What are your goals and aspirations? At Triton, we strive to help you develop your skills and personal performance goals by supporting both continued education and certification programs. We must grow as both an organization and as individuals to succeed in todays economy.
Triton is an Equal Opportunity Employer.
Michael J. Avanzado, Vice President - Operations


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Floor Plans (3)
- Floor Plan
- A1 Ruby
$753 - $832Check Availability
- Bed
- 1
- Bath
- 1
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- $753 - $832
- Sq Ft
- 720
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- Floor Plan
- B1 Emerald
$992 - $1137Check Availability
- Bed
- 2
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- Sq Ft
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- Floor Plan
- C1 Sapphire
$1264 - $1313Check Availability
- Bed
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- Sq Ft
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Prices, specials, features and availability subject to change.
Property Features
- Parking
- Garage
- Convenience
- Business Center
- Extra Storage
- High Speed Internet Access
- On Site Maintenance
- On Site Management
- Recycling Available
- Wireless Internet Access
- Leisure
- Clubhouse
- Fitness Center
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- Grill(s) Available
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- Amenities
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- Dishwasher
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- Refrigerator
- Stove
- Outdoor
- Balcony
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Live at the Center of Comfort and Convenience!
Nestled in the Heart of the Triangle, the Marquis on Cary Parkway features a relaxing setting of woods and peaceful ponds. You will enjoy our expansive and open floor plans that are streaming with natural light. At the Marquis on Cary Parkway you are within minutes of the area's hottest attractions. Come home to the center of comfort and convenience where you will enjoy easy access to RTP, RDU, and I-40. Our award winning team is here to accommodate your needs, and find you the perfect new home.
Leasing Information
Pet policy
Cats Allowed. Dogs Allowed. Call for service animal policy.
Our lease terms are: 3 months, 4 months, 5 months, 6 months, 7 months, 8 months, 9 months, 10 months, 11 months, 12 month. (Please note that lease terms may vary, are subject to change without notice, and are based on availability. Inquire with property staff for complete details).
For more information, please call (919) 267-1009 (919) 439-0769 or check availability.
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Rick L.
I rated the Marquis at Cary Parkway as excellent for these reasons: friendly, responsive staff; well maintaine Read Mored property, desireable amenities and great location.
December 15, 2013
Parthasarathi A.
Excellent Management team! A perfect location for any tenant who want easy accessibility at the same time peac Read Moreeful location. I had a fountain view with good amount privacy in the apartment I stayed for about 3 years. The only reason we moved out is to look for more spacious apartment as we had a new baby and didn't find the right apartment available in the right price. My wife was so much in love with the apartment, she still misses it badly. The maintenance team turn around is extremely good.
January 11, 2014
Marquis on Cary Parkway Resident
It is the place than you can call "home". The office team is amazing, the maintenance is very good. I relly re Read Morecomended!
June 11, 2014
Marquis on Cary Parkway Resident
Friendly staff, great location, and large apartments for the price and the area
December 15, 2013
srinivasu m.
Office managment personal are always friendly and responded quickly to my needs.
December 24, 2013
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This is an update for those who might be unaware.
For the financial year 2012-13 the deduction under section 80CCF for infrastructure bonds has been withdrawn. This deduction will most likely not be available in 2013-14 also.
However, infra bonds still say they are tax free because the tax-free then means that these bonds will fetch tax-free returns, that is, the interest earned from the bonds is exempted.
So, you will have to find an alternative if you want to avail tax benefits on investments above Section 80C limit of 1 lakh.


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Situated in authentic surroundings, the Speicherstadt Museum in Hamburg houses typical goods and equipment from the storage and trading companies that used to operate in the city's warehouse district.
Bales of rubber, coffee sacks and sampling implements are just some of the exhibits you can see displayed in a warehouse that is more than 100 years old. Old photos and plans bring the history of this unique architectural monument to life. Other subjects covered include the tea and coffee trade and the transport of goods to silos by barge.
Opening times:
summer: Monday-Friday 10am-5pm, Saturday & Sunday 10am-6pm; winter: Tuesday-Sunday 10am-5pm
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