u/hussar013

So I have been presented an opportunity to dorm at my university which is a 30 minute car ride from my house for an extra $5,100 per year.

My scholarship covers basic housing room (no AC, no elevator, smaller room), although I ended up in honors dorm and have to pay up $200 extra per semester due to the nicer accommodations. The thing they require me to cover is food, around $2,100 per semester, which I’m not going to lie is highkey expensive for what you get. It is a 12 weekly plan, 200 extra currency at university.

As of currently I would be at the university Monday to Friday, come back Saturday and Sunday to work at my job near my house since it pays fine and work is decent. (Also am pre med so it is a place I plan to get my clinical hours through)

My mother keeps asking me if I’m sure that I wanna dorm there and it’s starting to hit me. I run the math today from scratch and it turned out to be a decent difference, without dorming and meal plans per semester cost is around $2,000, as compared to with meal and dorming around $4,600 a semester, turn that into a year that’s $4,000 as compared to $9,200 and across 3 years as I’m planning to graduate early due to having enough credits as is, $12,000 vs $27,600. That’s a lot of money and I know I’m in a decent spot as compared to some others but it is still pressure and financial stress, 400 a month vs 950 a month payment.

What do you think? As I stated I’m a premed so I also have labs I gotta be at, prob clubs and the scholarship also requires some meetings every now and then.

So I’ve been hearing a lot about anki and it has been usually just for medical school but I’ve been curious does anyone have a good time or a right time to buy an anki controller?

Has anyone found it useful for undergrad and if so when? I’m just trying to get a grasp if I should get it for a class like chem in my freshman year or some other class later on, maybe MCAT prep?

Cheers

I’m just wondering when is the best time to apply for FAP? I’m told it’s valid for 2 years after applying, meaning ideally I’d have to apply sophomore year and use it through out sophomore year to junior year.

Another part of this is I’m not sure if I’m gonna be eligible next year due to my parents new jobs, (not helping me with the pre med stuff so to me it makes it worse). What should I do? When is the ideal time?

So I’m currently in Honors program which I’m not getting that much benefit except for closer relations, access to a lounge just for honors, etc., (no early registration, did not get an honors room somehow)

I have gen bio, chem, and composition 2 as my classes for freshmen fall, the comp 2 is honors and has a great teacher with a 4.9/5 on RMP, it’s not that much extra work but always something, if I dropped and went into a regular (outside of the fact none are available in the days I need, meaning my whole schedule gets messed up and might end up with 3 classes + lab in one day and just one class the next) the remaining professors are at a 3.3 avg.

Do I stick with honors for atleast first semester even though I don’t get that much of a benefit (not too much work) and go with that honors comp 2 class with a 4.9/5 professor or switch to regular with a worser professor available?

As the title says I’m curious for those that have been through it or know something about it, is joining the honors college worth it plainly for the benefit of AC in the dorm, having that dorm be a bit bigger in a building with an elevator (which freshmen dorm has no elevator or ac). I get to be in smaller classes and stuff but it’s nothing too important, is the work worth all this?

I’m taking 16 credit hours this semester and spring semester 20, will honors college make it that much worse as a pre med with a job, sport and a hobby?

Hi everyone I’m an incoming freshman in Illinois and was hoping to get some advice from others that once were or are in a similar boat. Got a really great financial offer and in return I need to be a part of some program which includes a seminar, not sure what I need to do about it but I’ll ignore that for now because I’m sure it will come back to me. I am also part of the honors college program so it might look a bit different.

I’m a biology major B.S. and was hoping to see if anyone knew what courses I should take or are required of me to take for medical school requirement fulfillment. I’m planning to attend all 4 years, probably not graduating early but have credits from (APs, Dual credit, state credit)
•Macro
•gov politics
•western civilization history
•calculus 1
•environmental science
•composition
•a bunch from seal of bilateracy in Illinois
•nursing class(idek how it got transferred to that)
•speech
•4 credit hours in elective

Do I have to retake any of these? I’ve read med school want to see you take math and English but I alr have so much English done on top of calculus, requiring me to take calculus 2 and stats (maybe just one?)

Any help is appreciated it, I feel overwhelmed with this and like some of these credits are pointless if I have to retake. I have an option to graduate early but my school cost is minimal as I have almost a full ride and if I keep up with this would rather reinvest the time into clinical or research (planning to do emt at a near by college (8 credit hours) and drop my credit hours that second semester of freshmen year to 12 from whatever it was first semester that I’m asking for help on, but if would love help across any)

Our budget is around $30,000 preferably in the $25,000 US range. We have been looking at Civics, Hyundai elantras, Mazda3 which I’m a big fun of, mother has a CX90 Phev and is also a huge fun. We can’t quite find the right car, a car that is reliable, makes enough power to move a little through traffic if needed, technology is good, sound system is important as well.

We are looking for deals where APR is around 0% for 60-72months, we found the mazda3 hatchback has it at 1.9% for I think 60 months and Tesla although out of that price budget has it at 0% for base Y and .99 for the premium Y. Premium model 3 is around the .99 as well I think, the monthly of the Tesla is near double the monthly of the Mazda but factoring in the gas cost, maintenance, etc. it comes out to the same if not more expensive. Those APR deals are also available only to the new cars and so I know a lot of value will be lost when purchased, especially for the Tesla.

What do you guys think, which is worth having. Anything else I should look into. Just trying to get the most bang for the buck, will be trading in a car worth a little under 15000 (got a quote from carmax) so that monthly should be around hopefully 300. The lower the obviously better.

Let’s say you just went back to when you were 18 years old. You have $20,000 to play around with, you already set a few aside for emergency and whatever else you need, you explicitly have $20,000 and just opened a fidelity (whatever brokerage account you want) account, you kept your experience but you can’t predict a stock market. What are you investing in, where are you putting what money? HYSA, CDs, Stocks, etc.,

Some transparency, this scenario is very specific… it can be taken from it I’m speaking from a personal experience and well it represents part of my life right now. I’ve worked for 2 years, makin 20 bucks an hour now, got into college on a full ride practically, going in as a pre med with 40 college credits off the start, going to continue working first semester and then switch over to EMT classes the next and quit working. I’m financially okay as is, got a car, have a few k sitting in my checking account and $19,000 in my fidelity account that I just opened up not too long ago.

I know a little bit but not enough. I’ve got a few EFTs picked out like VOO and QQQM on top of individual stocks like IONQ, NOW, SOFI, AMZ, maybe IPO from spaceX (mixed feelings on it if there is a limit to when u can sell) etc., nothing too crazy but here is where I need help. I’ve been off the stock game for a hot second and not too sure about everything, I’ve been recommended by a high positioned and extremely knowledgeable person to put it in CDs and maybe, just maybe S&P500. Others said to just put it in stock.

As is the 19k sits without being invested accumulating 3.2% from fidelity. I’ve been thinking about splitting it up like this, 11k in a CD (offering 4.2% for 1 year), 5k in EFTs, 1k for individual stocks as mentioned before, 2k in liquid sitting at 3.2% just in case

Let me know what you would’ve done in my situation. This is not a long term forever retirement investment. This is a 4 max year investment, before maybe continuing staying as is for the next 4 throughout med school, although that might not happen depending on how much it costs, and I might have to pull some out to pay for it. What happens if you break the CD contract in fidelity if you know, lmk.

Thanks for the help!

Let’s say you just went back to when you were 18 years old. You have $20,000 to play around with, you already set a few aside for emergency and whatever else you need, you explicitly have $20,000 and just opened a fidelity (whatever brokerage account you want) account, you kept your experience but you can’t predict a stock market. What are you investing in, where are you putting what money? HYSA, CDs, Stocks, etc.,

Some transparency, this scenario is very specific… it can be taken from it I’m speaking from a personal experience and well it represents part of my life right now. I’ve worked for 2 years, makin 20 bucks an hour now, got into college on a full ride practically, going in as a pre med with 40 college credits off the start, going to continue working first semester and then switch over to EMT classes the next and quit working. I’m financially okay as is, got a car, have a few k sitting in my checking account and $19,000 in my fidelity account that I just opened up not too long ago.

I know a little bit but not enough. I’ve got a few EFTs picked out like VOO and QQQM on top of individual stocks like IONQ, NOW, SOFI, AMZ, maybe IPO from spaceX (mixed feelings on it if there is a limit to when u can sell) etc., nothing too crazy but here is where I need help. I’ve been off the stock game for a hot second and not too sure about everything, I’ve been recommended by a high positioned and extremely knowledgeable person to put it in CDs and maybe, just maybe S&P500. Others said to just put it in stock.

As is the 19k sits without being invested accumulating 3.2% from fidelity. I’ve been thinking about splitting it up like this, 11k in a CD (offering 4.2% for 1 year), 5k in EFTs, 1k for individual stocks as mentioned before, 2k in liquid sitting at 3.2% just in case

Let me know what you would’ve done in my situation. This is not a long term forever retirement investment. This is a 4 max year investment, before maybe continuing staying as is for the next 4 throughout med school, although that might not happen depending on how much it costs, and I might have to pull some out to pay for it. What happens if you break the CD contract in fidelity if you know, lmk.

Thanks for the help!

I’m planning a trip to Poland, will be staying with my family in Warsaw, near the center but planning to visit Aushwitz, maybe an old fighting castle if any recommendations, historic roads or buildings. Just places to visit. I’m planning to either stay fully in Warsaw as it’s free with my family and just get food or stay a bit in Warsaw and then travel and stay in Krakow for a bit, whichever is the most reasonable option, lmk. Any recommendations and planning is greatly appreciated. I’m going by with my girlfriend for a week anywhere between July to August 24th because school starts soon after and a little on the budget since the plane tickets are in the $700 area as is. Any advice on the length in what city, what to do where, etc., is greatly appreciated, I’ll be booking in less then 2 days and need to make up my mind.