I am a non-EU student and I am aware undergraduate degrees usually transfer over, however I have not seen any information about the ability to transfer credits from a two year diploma over to ECTS. I plan on doing a top-up degree in the UK (my college has an internal transfer agreement, similar to the UK HND) after my two year diploma from Canada and then do a Master's in Germany however from what I've seen in many requirements is acquiring at minimum 150 ECTS which is 300 UK credits when in reality after completing the top-up I will only acquire 120 UK credits (60 ECTS). So I am wondering if diploma credits could possibly count towards this. I plan on contacting the universities anyways, just interested to see any thoughts on this?

Hi there Reddit,
this one is a bit of a doozy but I'm not sure where else to post.
I've been studying in Germany since 2018. I'm a non-EU citizen and have been using a normal student visa. The studies have been going well, so well that my German University has offered me a scholarship to study for a year abroad in Chile, all expenses paid.
My student visa unfortunately expires in the time that I am abroad, and the German authorities refuse to give me a new one on the basis that I'm not going to be living in Germany, even if I am still technically studying at the German institution. They've told me that I must basically just let my visa expire and apply for a new one at the German embassy in Chile. I would really prefer to not do this, seeing as I will be on a time-restricted visa in Chile already, and if there are any complications or delays (which is always very likely in a third-party state) I'm going to be stuck.
My boyfriend (who is also a student) has offered for us to go to Denmark to get married. So here the question: Would that in any way help the situation? I imagine I'd have to apply for a visa anyway but is it more sure that I'd get it/are the requirements easier to fulfill? And is this kind of thing even possible if we're both students with enough money to get by but not the full amount that the German state says it requires?
Thanks in advance y'all, this is a stressful time

Hi, my_qualifications is ug in management studies from jai hind college and i’m planning to pursue a master’s in management (marketing) in university of Melbourne. I’m turning 21 and finished my Undergraduate degree 2 months ago. I have received an official transcript from my college and the passing certificate isnt handed to me yet, it’ll take another year. I have a few queries, first being that is it too early to do a masters? Should i work for a year and probably take a deferral for jan’25 intake? Will i have better job scopes and ROI then? And uni of melbourne has given me a conditional offer which i’ve fulfilled but like i said i could only provide them with an official transcript, i will get my official marksheet in june and ive sent them a provisional but they sent me a mail saying that condition remains? I have 8 days to accept the conditional offer and move forward with july’24 but im scared that what if they dont accept the official marksheet? and am i rushing the process? Also my scholarship got lapsed because the date of accepting was before i could accept the offer. So, is it worth it to move ahead with july’24 intake?

Please note this is the original submission I sent Refinery29. In the current post,they have given me a second credit card with a 100$ balance, as well as generational trauma from World War II and cut context for other things. I am trying to get that fixed.
Per previous discussion in comments here: The espresso machine is a Bezzera, which ranges from 2-5K. We got ours on sale for 1.7K, it’s a work house and we use it everyday, still hurts that we spent that money on a coffee maker.
I do understand mortgage is debt but when you compare it to rent to a lesser value condo in Vancouver it feels like not debt at all, which is how I tend to think of it. Yes I owe my mortgage but also I get my house instead of renting-which may not have become clear.
Please see in full the diary, below (edit for formatting via mobile)
Occupation: Sr Business Analyst
Industry: Tech
Age: 30
Location: Vancouver Island, BC
Salary: 92,000$ (Spouse makes 60,000$ for a combined income of 152,000$ before tax)
Net Worth: ~ 1.2 Million ( house is valued at 989,000$ currently, we have a combined 150,000 in pension, and ~60,000 in various company stocks, and GICs)
Debt: 3,000$ in a zero interest credit card for a 10 month period. We balanced transferred and pay 400$/month. Debt was acquired in Q4 2023 when we had to buy Snow Tires, and do a full break replacement as well as Christmas. 480,000$ in a mortgage, we refinanced in September 2023 for five years fixed rate at accelerated biweekly, however I don’t consider our mortgage debt due to the equity we are gaining, and that our mortgage for a five bedroom, 3 bath single family home is less than rent for a two bedroom condo in Vancouver
Paycheck Amount (Every 2 Weeks): 2,555$ after taxes. (Just mine). Spouse makes 2,308$ after taxes. Our pay periods are alternating.
Pronouns: She/her
Monthly Expenses Mortgage: 1450$ biweekly (100$ extra to the principal).
Utilities: ~200$ (includes water [paid quarterly], hydro [paid bimonthly], gas, sewetrash [paid quarterly] phone [highly discounted due to work plans for spouse and myself] and car gas) Loan Payments: 400$/Credit Card
Car Insurance: 84$
Life Insurance: 167$ combined (67$ me, 100$ spouse)
Health & Dental Insurance: 60$ deducted from pay (coverage for myself and spouse from my employer. Spouse also has coverage for both of us deducted from pay)
Retirement Contribution: 400$ (Employee matches me), (Spouse has a defined pension through work and contributes ~200$ month)
Union fees: 70$ Spouse
Subscriptions: Crave 22$/month (Recent splurge for Binge watching the Rookie), Playstation Plus 100$ (annual bought on Black Friday Deal), Amazon Prime 80$ (Annual), BCAA 120$ (annual) Gym 30$/month (we both have one so 15$/pp)
Note: My spouse and I have completely commingled finances. I will be tracking both as it’s essentially I spent whatever they spent
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
There was always the expectation. My father was very clear, we were very smart. There was no way we’d be wasting our potential. He wanted me to be a lawyer, but unlike other immigrant parents, I got to choose my major and went into social sciences and got my masters in history. I deferred my PhD too much so I got dropped by the program.
I chose my university by where I got a full first year scholarship and then after that took about 15k in student loans for my undergraduate. My parents paid my rent and I got a part time job for food.
For my masters, I had a student line of credit and 5 k student loans otherwise it was all my savings and scholarships. With the line of credit, I had a total of 30K in student loans and paid it off in about four years.
Growing up, what kind of conversations did you have about money? Did your parent(s)/guardian(s) educate you about finances?
Save. We talked about how you get a dollar allowance and half of it goes into long term saving with 25% in short term and 25% in spend.
Investing came after I was eighteen. Family would like us to invest in property, however I don’t really want to be a landlord, but also we wouldn’t get to really enjoy profit of owning a rental property due to other family circumstances.
What was your first job and why did you get it?
Ice cream parlour I was twelve and my parents made me get it for responsibility. I lasted three weeks because I hated it.
Did you worry about money growing up?
I grew up thinking we were not rich, because we didn’t get big plane vacations (I didn’t count flying from Toronto to Vancouver every summer as a vacation since we were just seeing family but staying in a house my parents owned) and I had only been to Disney twice.
But we had a big new build house in the rich end of town, my mom stayed home to raise all of us. We had to work for things (like going to see a movie opening night or a new CD) but we always had money and got what we wanted. In retrospect, my family was/is fairly well off.
Both my parents grew up poor, with parents working multiple jobs and different shifts to make ends meet, the strive/drive to not have that childhood, and for my father to be able to retire his parents really impacted mine and my siblings and cousins lives. My father showed me the apartment he grew up in Chinatown a few years back. It’s light years away from the house my grandparents owned when I was a kid and how I grew up.
Do you worry about money now?
Of course. Inflation is real and we are actively planning a wedding for the next year, as well as a baby in the next few years. We also need to buy a second car, so we’re saving for that.
At what age did you become financially responsible for yourself and do you have a financial safety net?
Fully financially responsible? Twenty five. I lived in a family property where I didn’t pay rent in one of the most expensive cities in Canada, so even though I paid all my bills (food and phone), I didn’t have to pay rent. I in fact made money, as I rented rooms out and used the income for house utilities, and paying my student loans down faster. When I moved in with my spouse, I just paid condo fees until we bought our house two years ago which gave me plenty of time to save.
Our financial safety net is family, and our savings. I know my family would bail us out. My spouse’s father would as well. Conversely, we are my spouse’s mother's safety net and we have to keep all our plans in mind that we will be subsidising her.
Do you or have you ever received passive or inherited income? If yes, please explain. Yes, I received 50K from my parents once they sold my childhood home, as did both of my siblings. I have also received 10K from one set of grandparents which paid off my car and part of my student loans when I was 21. I will be receiving another inheritance when probate is done for around ~100K. My spouse also has received inheritance which allowed them to buy their first condo in their early twenties when the market was much better. That condo, 50k, and the subsequent upgrading helped us afford our house.
Day 1
10 AM: I drive to the pharmacy to pick up a prescription. Not how I want to start my Sunday morning but y’know. Normally I’d walk since it’s about 20 minutes but I have a UTI. I’m “lucky” that despite not having a dr because of the health care shortage, my work pays for the Maple app so I could get a dr to write the prescription and order the lab work at 1 am. I’ll do the lab work later this week when I can get an appointment but will take the relief now. Insurance makes the antibiotics free, but I also buy hydrogen peroxide because we’re out and we have a dog that thinks everything is meant to be in her mouth. We’ll buy a bigger one at Costco later. I also bought some oral wound mouthwash because we were out. I come home and my spouse made us breakfast.
Total: 15.90$ paid with debit.
1-2:30 PM: We do our taxes. I have a mini meltdown when I realize the part time bakery job I had for a few months didn’t take off income tax last year, so I owe 800$. Luckily, my partner is getting a refund so we net out positive 400$. The bakery took off income tax in 2022, so unsure why they didn’t in 2023. I made us lunch.
3-6:30 PM: We walk the dog, and watch the Rookie. Some time during that time period, a venue emails us back and is surprisingly affordable at 3k. I also get told that the tattoo artist I want to book with, has not chosen me.
6:30-7:30 PM: I explain what lazy girl dinner is to my spouse and make a lazy girl dinner. After not really grocery shopping since Feb for things besides fresh veg, we need to do a big pantry shop and neither of us want that. We debate about buying a food saver and if we should wait for a sale. My spouse is more frugal than me and has determined we should.
8-9:30 PM: We start season 3 of The Rookie, and then after two episodes we go to bed
Day One Total: 15.90$
Day Two
5:45-8 AM: Wake up and start work. I get up to date with what’s happened on the weekend and check that my automated reports. Sometime before 6:30, I get the kettle on for my spouse’s pour over before I go back to my meetings. There’s a twenty minute gap where I get changed and do my skin care and brush my teeth. I’d love to be a skin care person but honestly I’ve spent too much money on product that I don’t use and that just goes bad. Washing my face and using sun screen is a win.
I also make sure that Spouse’s lunch is in his bag and I get our travel mugs ready. Before, we used to go to Starbucks every day. Starbucks used to do free refills on coffee and tea if you were a rewards member if you bought a coffee or tea so it would cost us $5/day (2.5/pp), and we could get refills all day. While that’s 20$/week, 80$/a month and yes, we could have saved it but back then, that 80$ wasn’t turning the dial anywhere significantly for us—a privileged view.
But now, after COVID where I stopped drinking tea after one day working from home having like 10 cups and thinking I was dying, and Spouse has bought a good grinder and we recently splurged on a stupidly expensive espresso machine we call his Engagement Espresso since it costs the same price as my stupidly expensive ring, we bring our coffees.
8-8:30 AM: We drive to work. Prior to buying our house, we were both work from home and lived in a city with amazing transit. We only needed the one car. Since buying the house and moving to a city where public transit is a joke (the one bus goes past our house every 1.5h), Spouse changed jobs and is in office every day and I have to go in 3 days a week. We need a second car or the e-bike rebate to come through. We debate this in the car, since I’m done at 1 pm, and Spouse works normal hours, I either have to take the bus home, or go to the gym for three hours. Today though, I drop Spouse off. I will pick him up later as he has a half day because of the dentist
8:30-12:30 AM/PM: Work. I find a tech manager and ask them to get me more triple a batteries. Work won’t provide or let me expense batteries for my mouse, despite them replacing my usb mouse with a battery one. The poor admin had to tell me the decision is that we’ll all supply our own batteries. Luckily the tech managers have to have batteries on hand and give them out freely.
I ask my boss how the work from home tax forms work, and he is going to find out.
I run more meetings and work on a request for a dashboard and a business case for a new feature that I have to convince leadership to spend money on.
12:30-1 PM: I drive back to my Spouse because he has a dentist appointment.
While I wait for a spouse, I am incredibly hungry. I’m usually not hungry/don’t eat a proper meal until around 1 in the afternoon and my two granola bars I already ate at the office. I go to the bakery by Spouse’s work and buy a cheese bun for me (3.65$), and an apple pie scone (2.55$) for Spouse as a snack. Spouse points out he won’t be able to eat until after his appointment.
Total: 6.20$ debit
1-1:30 PM: I drop Spouse off, and the car stops working. The engine won’t catch. I try multiple times and then run into the dentist to dramatically announce to Spouse and the receptionists that the car won’t start. Spouse asks me what he wants me to do about this, since he’s about to go into an appointment. A very kind receptionist tells me it might be the alternator. I don’t know what that is.
I go back to the car to Facetime my father. He also asks what I think he can do to help since he lives 3000 km away. Weirdly, and sexistly, I thought a man who grew up at race tracks, in a racing family, or the man who has collected and worked on sports cars for forty years might be able to help.
Spouse texts me to remind me we have BCAA while my father also tells me that. I finally get the engine to catch and drive the very long way home, going the speed limit and getting stuck in traffic, construction and a bus. It takes me 20 minutes to get home instead of 10.
1:30-2:30 PM: I walk the dog, mail a (late) birthday card and then start researching what an alternator is. The car is over a decade old and until the house, the most expensive thing I ever bought at 12K back in 2015. We have the funds for the cost, but it’s my first car and the fact it might be the end of its life is scary.
Alternators can cost between 400-800$ repair with labour, so that’s fun.
My dad calls me back and apologises for asking me what he could do away. He advises me that there’s probably a bald spot on the alternator and advises me to go to the mechanic to check or replace it, if the car doesn’t start again.
I call the mechanic to book an appointment, and to also get the snow tires off and to buy new rims for the snow tires. The mechanic lets me know that the alternator part is 500$, and an hour of labour so with taxes we’re looking at around 700$
That future appointment next week (we’re going down a highway this weekend which requires snow tires) will cost ~1.5K, assuming we replace the alternator.
I make lunch and sigh.
2:30 PM: The car starts thankfully. I drive incredibly slow. I pick up Spouse by idling the car. We get an email back from a venue saying they cost 75,000$ minimum. The timing is hysterical.
Due to the nature of the dentist, Spouse owes 618$, as they haven’t flipped it under my insurance. They split it in half, as he has a follow up in two weeks. After the next appointment they will flip the whole amount under me and we’ll get reimbursed for the whole amount.
Total 309$/credit card.
3-10 PM: We walk the dog, make dinner (Spouse makes white sauce pasta, with chicken and peas) and watch The Rookie. There are thirteen episodes in season three, and we will be busy every night this week besides Friday and Sunday, and I would like to finish season three so we can start season 4 next Monday. I don’t want to pay for more than one month of Crave. We have five episodes left
Day Two Total: 315.2$
Day Three
1 AM: 100$ is automatically transferred from our account to the credit card debit. We have an auto transfer of 100$/every Tuesday to a Visa where we balance transferred both our cards. We have an offer for 0 interest for 10 months, so we did that for some of the bigger expenses (snow tires, break replacement and general Christmas) and are on track to pay it back within the next 6 months. That visa is our emergency card that we just have in the back end and utilise for promos like this. It allows us to keep our two cards balances manageable and lets us pay in an easier way than taking big chunks out of our various savings.
Total: 100$/direct deposit
5:45-9 AM: Work. Meetings, reports, trying to convince a colleague that the process does include them and refusal to follow it means that their requests won’t be done. Spouse has another half day so I can go into the office at my leisure—if the car starts
9-9:20 AM: The car starts, I get into the office and refresh a data flow before a meeting with a new stake holder. It takes longer to drive into work today because the tourists are starting to come and their van builds or campers are not exactly highway speed and with a two lane highway, if you don’t merge over fast enough you’re stuck.
10:05-10:20 AM: Meeting done, car starts again and I drive home for more meetings. The least amount of time in the office is preferable for me.
10:30-11AM : Meeting with my manager where we discuss future salary and promotion. I am due for a promotion in the start of Q2, which would push me to six figures. I’ll believe it when I see it but, I’m really excited at that possibility for my family.
11:15 AM: Spouse leaves for work, we discuss what groceries are needed, as well if he’ll go to Home Depot tonight to buy more clover seeds for the yard, as we need to reseed before it starts raining. I eat a muffin and my dog and cat decide to try and eat each other.
11:15-1:30 PM: Work runs late. There’s some issues with the data and we can’t figure it out. We call it a night, and I’ll record the video presentations tomorrow, once we fix the data.
1:30-4 PM: Nap time! It’s bad for me, but honestly I don’t sleep well during the night so naps are what keep me alive.
4-6 PM I prep dinner (smash burgers and fries), and get chores done and walk the dog.
6-7:30 PM: Spouse comes home, we eat dinner. Groceries come to 96.83 for two 7 pound pork loins, two packs of bacon, chicken nuggets, coffee, pop, 8 pack of peppers, milk, tomato, pickles, rice, avocado, mushrooms, sour cream and lettuce.
Not too bad, we average about 300$/month in groceries because we can buy bulk and have a second freezer.
For the month of March we are currently at 123.61$ for groceries and there is twelve days left. We went on a small weekend away, so we ate out a fair bit but even then our current food budget is 272.27$ today.
Total: 96.83/ debit
7:30-10 PM: Spouse makes a coffee and plays video games with his friends. They do it every week. I have a shower, fold and put away laundry and read in bed.
Day Three Total: 196.83
Day Four
1AM: Our biweekly accelerated mortgage payment comes out of 1450$. I’m tracking it here to be honest on our spending but I tend not to think of it as money spent because in my head it’s already money gone. To pay for a house equivalent in Vancouver, the mortgage would be over 6k. Renting a two bedroom condo would be 3K. It feels like the mortgage is just cheaper rent, even though each time I own more of my house.
5:45-9 AM: Work. I find out the limits of how many people I can invite to a Teams Meeting as well as that the Thursday before Good Friday is a catholic holiday when a few people ask me to reschedule a training forum for over a thousand people. Sometime in there I make us coffee, make sure Spouse has lunch packed (leftovers). Spouse has walked the dog and has the recycling and compost out for pick up. I drop Spouse off at work.
10-11:45 AM: I leave the office for home and more meetings. I walk the dog and go record training videos. I get an email that Amazon is doing their big spring sale. I send a link to a robot mop and vaccum that’s on a big discount to Spouse. We want one, but I’m not in charge of the research on it. I send links to play grounds to my friends with toddlers
11:45-12:30 PM : I shove lunch in my mouth, last night’s left overs. I’m running late, and decide to get myself later by collecting all the random dishes and mugs that just show up places and start the dishwasher. I get to the lab ten minutes early but need to buy gas on the way home.
I tell my team I’ll be MIA for a bit and leave the work phone in the car.
I buy 15.6L of gas for 30$ at 1.879/l it sucks. I don’t fill up because we’re going to my in laws this weekend and there’s a Costco Gas Bar there.
Total: 30$/credit card
12:30-1:30 PM: Work goes long again.
1:30-2:30 PM: Nap!
2:30-4:30 PM: Walk the dog and drive to the gym. I usually go three times a week but with last week’s weekend away and this week’s weird half days from Spouse, today’s the only day. I make it up by doing both upper and lower body and a 30 minute circuit.
4:30-7:30 PM: I pick up Spouse and we go to Costco. We pick up nachos, ham, cheese buns and some other items. We debate buying our friend’s kid a toddler set of clothes and decide no. We end up buying work pants for Spouse, and a garden hose. It comes out to 116.90
I order our Costco dinner of hot dogs and fries for a grand total date night of 6.41$
Total: 123.31/ credit card
8-9 PM: Dance class! We bought a series of six lessons of introduction to ballroom back in December for a new date night idea. We paid 60$/pp and this is the fifth lesson tonight.
9 pm: We’re home, we let the dog out. Spouse spends an undetermined amount of time watching ballroom videos while I sleep.
Day Four Total: 1603.31$ or 153.31 excluding the mortgage payment.
Day Five
5:45-9 AM: Work. All the meetings. Thursday is the meeting day. I debate with a friend what’s the earliest call we’ve had. 4:30 am still wins. I pack lunch for Spouse and his coffee and he leaves. I end up cleaning up cat puke as the cat decides to drink milk from Spouse’s cereal and vomit it up on camera in a meeting.
9-9:30 AM: I make myself a matcha and walk the dog.
9:30-1 PM: Work and I treat myself to a lunch of a cheese bun and ham sandwhich. We used to eat it every Sunday while growing up but the cost of ham has been outrageous. The deal at Costco yesterday was 1.5$/100 g which is really good.
1-1:30 PM: I seal the wooden deer Christmas decoration we bought last year. It sits outside our front door and needs to be weather proofed, and I’ve been putting it off for five months. But the weather is good and we have newspapers. We have left over wood sealer after the sign we bought a year ago so I use that. The dog and the cat both don’t like my wooden deer.
1:30-4 PM: Nap!
4-5 PM: I basically just watch youtube and drink a root beer. I have no energy.
5-6:30 PM: Spouse comes home, we walk the dog and I make dinner (Kraft Dinner and nuggets–I swear we eat veggies but today is not that day). We discuss the possibility of our dog at our wedding as a flower girl, and if she’ll be in a tutu or a cheongsam like me. I am now researching if they make dog cheongsams and if she can match us. The cat, despite all my heart wanting it, won’t physically be there because he will have an anxiety attack and probably die.
6:30-10:30 PM: Board game night! We go to a friend’s to repeat the same scenario we’ve lost two weeks in a row.
10:30-11 PM: I pack Spouse’s breakfast (oatmeal and frozen berries), lunch (spicy tuna and mayo) since he’s trying to go to the gym before work, and feed the animals before we go to bed.
Day Five Total: 0$
Day Six Friday
5:45-9 AM: Work. I have a deep focus block which means I can get the script for the training I have to run. Public speaking is not my strong suit and it’s a group of a thousand people so I’m not looking forward to it. Spouse almost makes it to the gym. I get an email that my new work phone has shipped. I’m surprised because they wouldn’t order us any for the past four years, but I guess my new iPhone will show up next week. I might give my old work phone to my mother in law, since she smashed the camera on the phone we bought her last year.
9-9:30 AM: I walk the dog, make a matcha and make a todo list for what we have to get done before we leave to my in laws tomorrow. I text my mother in law happy birthday, and hope that she got the card in time. She did.
9:30-11:30 AM: My last meeting for the week ends and I’m debating calling it a day so I can nap. Instead I make lunch (cheese bun and ham), text my other mother in law our plan for Saturday, and unload and reload the dishwasher and go back to work for at least another hour.
12:30-1 PM: I shower and do skin care
1-3 PM: Nap! Somewhere in this time FedEx comes and since I’m sleeping, we have to pick up on Monday. I’m not too sure what it is, I assume it’s our custom address stamp from Etsy because that’s the only thing I’ve bought recently but not too sure. I just realized in retrospect, this might be my new work phone.
3-5 PM: I prep dinner (nachos), unload the dishwasher, pack my overnight bag and confirm all our venue tours by email. I start a load of laundry and do a quick clean. I feel like this is not the best image of our diet. I swear we generally eat healthy but we both have been feeling really blah over the past two weeks so have been going for quick and easy over healthy and balanced. I do have three whole peppers and two whole avocados in the nachos though.
5-7 PM: Spouse comes home, we walk the dog, have dinner, and plan out next week. We have a big Wednesday next week (mechanic, I have a nails appointment, dance class), and we are having our friends over for Easter so we need to prep for that. We pack the car so tomorrow is a very easy start.
Spouse also gets paid today. We’re lucky that we’re on alternating pay periods, we used to be on the same and it always felt stressful. Spouse also lets me know his union has secured a 3% cost of living raise to start in Q3. I really like his union for negotiating a base 2% year of cost of living raise, with potential addition raises depending on inflation. It’s a bit away but that’s still good news.
7:30-10:30 PM: We finish The Rookie Season 3 and head to bed. Crave reminds me that I have 10 days until I’m charged again. Sadly, I think we’ll have to pay for 2 months.
Day Six Total: 0
Day Seven Saturday
8:30-9:30 AM: Wake up. No one (except the dog) slept well so we’re not in a morning mood. Spouse makes coffee and walks the dog, while I finish packing the car and give the cat a lot of attention. Our first venue tour is at 11 and the one that is the most expensive (8-10K), but also the one we probably want the most. We live about an hour away but the highway is two lanes and one accident can back everything up for hours.
10:40-1 PM: We visit our dream venue. We stay way longer than expected. Basically if the quote is under 10K, we’ll get it. Just waiting now.
1-2 PM: We get to our in-laws and have a lunch of egg salad sandwhichs. We need to buy gas. My in laws drive us to a pottery painting store.
2-4 PM: We paint pottery. My mother in law only wanted to do this for her birthday. They’ll pick it up in a week after it’s been thrown. I paint a vase (28$), Spouse paints an Easter egg (18$), father in law paints a mug (30$), and mother in law paints a plate (50$)
Total:143.36/credit card
4-5 Pm: We see another venue. It’s an instant no. My in laws decide they want to try Korean fried chicken. We call ahead for take out to get two fries and 16 pieces of half and half. It comes to 50.83$ that my in laws pay for.
5-10 PM: We come back and see that our dog has pooped in their house and also has gotten into their pantry and eaten an entire bag of dog food. It is not a fun night.
We spend the night drinking wine and discussing the wedding and watching TV.
10PM: We go to bed. That’s the end of this week, but tomorrow we will be buying gas and probably lunch for my other mother in law as we will be touring another venue.
Day Seven Total: 143.36$

Hey there, i am quite new to this reddit but i want to have my undergrad in utokyo so...
Except mext (already giving it) Is there any other scholarship program for an undergraduate student from international to apply for a degree for course of information technology

R-squared values: Linear Regression: 0.8401621913740709 Polynomial Regression: 0.9161966003792115 Exponential Regression: 0.922505755755209 Projected next outcome using damped Exponential Regression: 15916.26589649187 

Darshane Punyam, Sparshane Paapam 

Hey all, applying to medical school. I'm on a full-ride scholarship that will support me through to becoming an attending as a result of a developmental disability. I studied Medical Bio/Neuroscience/Psychology as an undergrad and virtually all of my time outside of school is spent listening to psychology-related podcasts and lectures. I just really love the idea of contributing to mental health as a public figure. Currently, I serve on a federally mandated board for my state, writing health and education policies for 3M+ individuals with varying disabilities in my state. A majority of those have affective/cognitive problems as a primary disability.
Advocating for mental health has been an enormous part of my work as an undergraduate (even though I've been working toward these degrees for 8 years now due to financial constraints). As a result, I am even more drawn to working with marginalized communities and understand deeply how stigma and class can work against you even if you really are trying to "pull yourself up by your bootstraps." I look up to physicians like Karen Horney and Gabor Maté, who have been able to get their message out there in powerful ways, transcending the clinical milieu and garnering international attention from the general public.
But here's the rub. I feel like something is missing! I've worked in a dozen specialties over those 8 years, and I feel I really love psychiatry and what it represents; but at the same time, I think there's a lot of value in performing procedures or otherwise working with your hands. I worked in derm for 2 years and first assisted as a Mohs tech; one of the most fulfilling experiences of my life. Also really loved the ED for the variety. But even as I ooh and aah over a derm lifestyle, I feel like I'm betraying a field that I've invested so much of my energy to and that I can't imagine not doing.
Because I'm on scholarship, there is a lot of interest in terms of the program in me charting my path far ahead of time. I'm being asked what specialty I would like to approach, so that they can help me chart a path to get there. I want to say psychiatry, but there's just something missing and I can't put my finger on it.
Has anyone gone through this? How did you decide to do psych, and why did you turn down other more lucrative and tactile specialties?

I am a G11 Software Development student in iAcademy looking to apply for a scholarship in Mapua for College. What are the scholarships I can apply for? I inquired at the admissions office and they don’t offer E.T. Yuchengco scholarship has been already-cut off.
For the MPASS test, what are the subjects covered? Have any of the previous scholarship winners taken prep test courses? How many top scorers do they accept for the final interview?
Speaking of the scholarship winners, I would like to ask what was your experience and what did you do to get the scholarship? Also, do you have any advice and common mistakes you’ve encountered so as to not get rejected?
Thank you in advance for your help and for giving the time to respond. Much appreciated!

An open letter to Benedictine College and Harrison Butker
I first came across the Harrison Butker’s 2025 commencement speech at Benedictine College on Twitter. It was a short snippet of the speech and I was in disbelief of what I heard. Intrigued, I went to YouTube to find a recording of the whole speech before drawing further conclusions. Now, I am nearly beyond words.
I grew up in the Catholic Church, attended a Catholic high school, and do still consider myself to be Catholic, although not without my own qualms with the church. However, this is not about that. I am also a more recent college graduate. I graduated from a large public university 5 years ago and am looking forward to obtaining my graduate degree next year, both degrees I have worked incredibly hard for and am immensely proud of. I don’t remember my own commencement speech, but if it was anything like this, I am glad I don’t- I loved my undergraduate experience and will be proud to have my diploma framed and hanging one day. Harrison Butker’s speech is condescending, out of touch, and against the very values of your school. You both, Benedictine College and Harrison Butker, owe these graduating students an apology.
As a proudly Catholic college, I do not hold issue you or your choice in speaker with promoting Catholicism and the beliefs of the Catholic Church, even in regard to politics; while I may not agree, that is your choice to do so and one that underlies the foundation of your school.
The class of 2025, as with many recent graduates and current students, have had to work through a unique set of hardships as a whole, beyond the personal hardships we all face. Mr. Butker is not a recent graduate, nor is he working directly with a school or university. College is a change for everyone from high school, with the course load, schedule, and independence, but beyond the nervousness and uncertainty that comes with this new phase, students are able to rely on the fact that since its inception, the college experience has been relatively stable, until the COVID-19 pandemic. Students, and faculty, were forced to rapidly adapt to a situation that we knew very little about and had no history to guide us. To minimize that, say that “it is not unique,” especially as someone who was not experiencing it from an educational aspect, is disrespectful to students and faculty, regardless of beliefs on the issue. Pandemics are not new, nor are controversial policies, but what these students faced, was new. I know of no other time during our history, where thousands of students were nearly overnight told to immediately leave their housing and worry about their finances and shelter as not everyone has the means to find new housing or go back to their parents, have food outside of the dinings halls, or access to a computer and internet to complete their coursework where they had planned on attending in person or using university resources, when these things are apart of what students pay thousands of dollars for or take loans to afford as part of their college expenses. Whether or not you support these policies and changes, that does not lessen the unique hardships faced or make a student wrong for adhering to them when failure to do so could result in greater consequences. If there is another time where this has happened, I am happy to be referred so that I can learn. It is one thing to say that the feelings of uncertainty and anxiety around new policies and adapting to them are not unique, but another to say that the challenges these students faced as a result of policy is not unique, it is disrespectful, condescending, and completely out of place as someone who did not experience it.
Beyond this, it is even more disrespectful to diminish the accomplishments of particularly the female graduates of your university by allowing your speaker to advocate forgoing using their degree and instead, choose being a wife and mother. To Benedictine College, if this is what your school advocates, then why charge tuition to your female students? How will they pay for it or pay off their loans for it? Do you expect your female graduates to marry a man who will pay off their debts? What happens if they don’t or if they choose a vocation in religious life, are their debts forgiven? To take it a step further, why admit female students at all if their degree is not meant to be used? A yearly tuition of $35,000 seems a greedy ask to attain what becomes a useless degree. Maybe this is not something you support, but I have yet to see any statement indicating dissent with this position. The Benedictine sisterhood and St. Scholastica, its founder, take pride in education and she herself do not choose the vocation of marriage. How would St. Scholastica be able to attend your college when she found her vocation to be in the religious life? To Harrison Butker, how dare you? I am happy for you and your family that your wife can be a homemaker if that’s what she wants to do, but that is completely out of touch for what nearly all of these students will face as they graduate. Your family can comfortably live on just your salary of over $4 million per year, but you are a minority in this situation. You speak of not allowing cost of living to prohibiting where you live, but with your salary, I’m sure there are few areas you cannot find suitable housing and access to food. Is one supposed to choose to live in circumstances where they do not have a stable shelter in favor of a more traditional priest? Earlier in your speech you mention “accepting your lane and staying in it,” I believe you should have taken your own advice, because your lane is far wealthier than mine and likely all of the graduates you are speaking to. Most families will need two salaries to live in even a fraction of the comfort you live and even then, may not be comfortable. From what I understand, you went to GT on a scholarship, another minority, factor in student loans, and the comfort fraction becomes even smaller. Should a family live in a constant state of worry about money so that a woman can be a homemaker? You spoke of charity and the platform God has given you, but I do not see you using your wealth for charitable acts to support the lifestyle you advocate in these graduates. You decide to speak for women and presume they are most excited at the prospect of marriage and children when you are speaking to congratulate them on a major accomplishment that has little to do with their future as a wife or mother. Can a woman not find fulfillment and a calling as a valuable member of the workforce and a wife and mother. As a woman who anticipates graduating from medical school in one year, is being a doctor not part of God’s plan for me? As I understand it, my vocation, is not between being a wife and mother or being a doctor, but of the calling to serve as a married, single, or religious person. You make it seem as though I cannot be both a doctor and family woman one day. You make remarks about controlling how and when children are conceived. You condemn IVF and surrogacy when a large portion of woman and men in this country struggle with infertility or health conditions making a pregnancy incredibly dangerous. If a woman cannot naturally have a child then is she not to be a mother? Do you also condemn adoption as it a choice and controlled method of becoming a parent? Is it only if a woman is unable to conceive naturally that it is acceptable to work rather than be a homemaker? I have always been taught in my experience with the Catholic Church to welcome children into your life whenever they come about, not as a barrier to being a working mom. You have laid out the options as black or white, mother or worker, when I believe the advice is to be open to and welcome God’s plan for you in both areas of your life. Not only do you advocate for the females graduates to forgo the workforce when this is an unrealistic path for most, but in doing so, you add extra pressure to the male graduates to provide in an unrealistic way. At what cost do men take higher paying jobs they are unhappy in so that their wives can be homemakers? You have worked hard to get to where you are, say you are doing something you love, and are able to show the fruits of that labor, should these graduates not show all of the knowledge and skills they have gained through earning their degree?
To Harrison Butker, I, too, am Catholic. I believe we also are similar in that we question right from wrong and do not just blindly accept the things that are fed to us. You say that our priests and bishops are anointed by God, but quickly question that anointing. I now question you, in who you are to question who has been anointed by God. You point out it is your duty as a father to lead your son. In our faith, we call our priests Father, but you call us to question and right them, should they not lead us? Should we not follow the quote you use of trusting our priests to translate the teachings of the Bible for us? Does your son question you and what is your response? You call for priests and bishops to be righted but also to stay in our lane. I do not mean to support the actions of our church leaders either way, but as an individual am not following what you ask of these graduates.
To Harrison Butker, you say you speak from experience, but it seems your experiences are vastly different than most of the graduates you speak to. Your statements contradict one another, in questioning our church leaders, staying in our lane, and even speaking of your wife as someone who converted to Catholicism but later question being with someone of a different faith, not allowing for change. As I have stated before, it is one thing to speak of shared feelings, but another to speak of a shared experience. You give advice in black or white rather than ideas for consideration and reflection. Listening to your commencement speech, I can’t imagine I would have found excitement for the future and wisdom as I start to move forward on my own. Had this been my speech to give, I couldn’t speak to a lot of the challenges these students faced, but can empathize with the fears of stepping out of the student life and uncertainty about my future. I could speak to how being able to adapt to challenges, facing hardship in my own way has made me strong and able to persevere and that they too have grown to be stronger and able to persevere too, even if they are not confident. I could speak to how money is not always the most important thing in life, your church, your family, your community are all things to reflect on when making decisions about the future. But, this was not my speech, it was yours. My ideas may not be right, maybe it has more “fluff” than yours, but they do not tell me the right or wrong way to live my life, as that is between me and God.
To Benedictine College, much of this is address to Harrison Butker. However, this is the person you chose and supported in giving a commencement speech. What is address to him, is also a reflection of what you support and believe, and the message you hope to send your graduates off with. I am not one of your graduates, happy to say I am not with this speech, but at least for me, this is the representation I have of your school.
To Benedictine College and Harrison Butker, you both owe the graduates an apology for these disrespectful and confusing sentiments as they enter a new and stressful chapter of their lives.
To the Benedictine College class of 2025, congratulations!

Iam currently an undergraduate in mechanical engineering and I am really interested in studying physics. Is it possible for me to get an admit in any university in Germany for msc Physics.

Iam currently an undergraduate in mechanical engineering and I am really interested in studying physics. Is it possible for me to get an admit in any university in Germany for msc Physics.

Hi everyone!
I'm currently a 3rd year biotechnology student and wish to do a PhD in HCI. However, I do not have any background or research experience with HCI so I wanted to get some additional qualifications before I apply for a PhD.
Master's degrees in HCI, from what I've heard, are quite expensive and have no research opportunities as well. So I decided to do a second bachelor's degree in computer science to help me out with the lack of research experience.
A 4 year degree gives me enough time and because I would've had previous experience being an undergrad, I assume it wouldn't be too hard. I plan on doing it in my country of residence in a university that is well accredited and has a QS world ranking of 300 (my current university ranks 900). They also offer scholarships and financial grants and the tuition is quite similar to what I'm paying right now which isn't that expensive. I also plan on getting a job to save up for my PhD and get more insight on the field.
The only question is, should I? Should I study for another 4 years and then another 5? CS degrees are always useful and you can never go wrong and if I do apply for a 2nd undergraduate, I'd be graduating in 2029 when hopefully the economy gets better. HCI is something I've wanted to do for a while know but also I believe that a more mainstream CS degree would've been helpful for HCI.
What are your thoughts?

Deadline: May 31st, 2024 @ 11:59pm CDT
Amount: $3000 (4)
Description: The goal of the Provident Foundation is to increase the number of underrepresented minority physicians, nurses and other professionals in the healthcare workforce in order to improve access to quality healthcare in medically underserved communities in Chicago. This scholarship award will be given in recognition of outstanding academic achievement, leadership, community service and interest in urban health.
To be eligible for this scholarship, applicants must:

• Reside in the Chicago Metropolitan Area
• Be a high school senior or undergraduate college student
• Be an underrepresented minority who has demonstrated leadership ability and is committed to serving medically underserved communities.

APPLY HERE!

Remember, you are enough!!

i'm class of 2025, about to go to go into the summer before senior year, and i haven't really been able to gather any advice from any of my friends going into college. what do you wish you did differently? any regrets? anything you are glad you did? i'd love to hear all of it!! and i mean LITERALLY all of it-- RANT about what you regret!!! i want to major in chemistry at UFlorida!
i also wish to know where to go from here! here are my (pretty average) stats so far:

• current uw gpa: 3.8
• current w gpa: 5.3 (around 4.4 for non floridians, top 22% in school)
• 16 college credit classes by graduation-- 1 aice, 10 dual enrollment, 8 aps
• 10 honors classes
• sat 1330 (retaking in june, aiming for 1400-1450)
• NHS, beta club, amnesty international secretary 1yr and president 1 year, foreign service association secretary 1 year, animal welfare club leadership 1 year
• no awards
• volunteering at hospital for this summer, will get me >150 hours of service most likely
• >300 hours of paid work
• vietnamese first gen, none of my parents went to college here
• single mother, low income
• full bright futures scholarship (100% of undergraduate tuition covered by the state)

"my_qualifications"
Currently in class 12th (cbse board)
How do I decide between studying in Italy, where English-taught programs are abundant and offer scholarships, but with a less favorable job market, versus Germany, known for its strong job market but limited English-taught programs? Considering pursuing a bachelor's in Italy and then a master's in Germany - is this a viable plan for someone aiming to settle abroad, specifically in the field of computer science or data science,

I 24F have noticed that all of my friends are in healthcare. I have no one to talk to or relate to when it comes to my job. I choose the business route in college because I liked the corporate lifestyle and the work was something that I enjoyed.
However I do want a fall back. The job market isn’t exactly the best for my field and I want to have a plan incase I want to pivot later on.. I currently have a bs in business, minor in economics. I was planning on going for my masters later in finance, but now I’m starting to consider going to nursing school.
Both fields are very different and so I would need to take additional courses. I feel like I can excel if I am in healthcare, and its easier finding a job as a nurse.
I do not have any loans for my undergraduate degree, I had a full scholarship but if I go to grad school or nursing I will have to take out loans.
I’m not sure what to do

I study mathematics in school and i kinda enjoy math.i wanna apply for mext(japanese scholarship) but im a little bit lost between the two choices i have: Apply for undergraduate Or Associate degree In undergraduate i have a few options for the field i want to study and im only interested in is architecture as long as it's a combination of art and science and my chance is lower to be accepted in the field that I like I'd rather not to live with a dry job without art I think engineering in every field is the dry job im talking about But in associate degree i have several options and all my choices can be related to architecture and my chance is higher because application for associate scholarship is less The field I'd like to study for associate degree is (Architectural Environmental Engineering) and my second choice will be (Architectural Design and Drawing) Help me Correct me if im wrong about engineering or other fields that i think they're dry jobs

I have news for those looking for Fully-Funded Scholarships in Germany. Now, SBW Berlin Scholarship 2023 in Germany is available. The Scholarship is for Master’s and Bachelor’s levels. Understudies from all over the globe can avail themselves of this entirely funded scholarship.

I study mathematics in school and i kinda enjoy math.i wanna apply for mext(japanese scholarship) but im a little bit lost between the two choices i have: Apply for undergraduate Or Associate degree In undergraduate i have a few options for the field i want to study and im only interested in is architecture as long as it's a combination of art and science and my chance is lower to be accepted in the field that I like I'd rather not to live with a dry job without art I think engineering in every field is the dry job im talking about But in associate degree i have several options and all my choices can be related to architecture and my chance is higher because application for associate scholarship is less The field I'd like to study for associate degree is (Architectural Environmental Engineering) and my second choice will be (Architectural Design and Drawing) Help me Correct me if im wrong about engineering or other fields that i think they're dry jobs

I study mathematics in school and i kinda enjoy math.i wanna apply for mext(japanese scholarship) but im a little bit lost between the two choices i have: Apply for undergraduate Or Associate degree In undergraduate i have a few options for the field i want to study and im only interested in is architecture as long as it's a combination of art and science and my chance is lower to be accepted in the field that I like I'd rather not to live with a dry job without art I think engineering in every field is the dry job im talking about But in associate degree i have several options and all my choices can be related to architecture and my chance is higher because application for associate scholarship is less The field I'd like to study for associate degree is (Architectural Environmental Engineering) and my second choice will be (Architectural Design and Drawing) Help me Correct me if im wrong about engineering or other fields that i think they're dry jobs

Hello everyone! I'm a 24F year-old English/Spanish native speaker, and I'm moving to Germany in July for a scholarship/permanent residence. I would really like to improve on my German before going as it has gotten quite rusty. I studied German in college for about four years and would say I'm at a C1 level. I'm open to texting and voice messages via Telegram, WhatsApp, Facebook, Instagram, Discord, and Reddit. Here is a little about me:
-I love all kinds of metal, but I primarily listen to black metal. I go to concerts quite often.
-I love cats; I have a black cat of my own named Juno.
-I played cello for about 7 years and have been playing bass guitar for 3 years now.
-My favorite video game is Skyrim.
I'm more than happy to help you with your English and Spanish skills (if it matters, I'm Guatemalan--not that our Spanish is wildly different from other countries). Hope to hear from some of you and would love to form a long-lasting friendship! Thank you/Gracias/Danke!