Do you get penalized for not using your credit card too frequently? what if you don't use it at all?
The only thing that would probably happen is eventually the creditor may close the account. Store cards generally close faster than major credit cards. Some store cards may close the inactive account at around 4 to 6 months, others around a year. The best thing to do is to rotate the cards and make a small purchases on one, buy a pack of gum, a hamburger, or some socks. Then put the card at the bottom of the stack and pay when you receive the statement. Then repeat with the next card. Depending on how many cards you have, at least try to have one (small) charge on them every 6 months or so and pay in full when you receive the statement. If you only have several cards, you might set a certain time twice a year and make small charges on them at the same time - like every spring and fall at daylight savings time. That way you won't miss a card, you will know that you are going to make the charge ahead of time so you will be able to have the money saved to pay - though with only several cards and making small charges, you probably won't have to save to hard to make the payments. That will keep the cards open and reporting, and it would also help with your card history AND your scores.
How easy is it to fake a degree when applying for a job? How often do people check degrees while vetting candidates? I'm assuming it happens more often at larger companies. How often does it come up once you have a job? Has anyone here done this?
I have known a case where someone said he had a first and a second degree and was offered a job. However, when HR asked for documentary proof of both degrees he could only prove he had his first degree. He then proceeded to lie about why he didn't have the certificate for the second degree and generally just tried to talk his way out if it. However, HR persisted and eventually he just had to admit he didn't have a MSc at all. HR retracted his job offer and he was shocked and said no one had asked for proof before.It's getting tougher to fake qualifications as with the increasing legal burden on UK employers to have full documentary evidence that whoever they employ has the legal right to work here then more and more companies use agencies to do the checking and educational background is often included.It’s unlikely that anyone will be able to distinguish employees with real degrees from those with no degree based on performance as usually your top employees display key behaviours and attitudes rather than knowing specific things, Although having said that I can't help thinking if someone would lie about something like this what else would they lie about ? That's why when a company finds out they usually dismiss the person or withdraw the offer, not because the degree is that essential but who wants an employee who has lied to you before they're even employed.Also once you start such a lie you may need to make up a lot of other things too. I once went on a week long management course with people from a range of companies and one of the participants claimed he'd been to Cambridge University. When I asked him which college he named one that didn't exist when I asked him further he corrected himself and named a very famous college within the University. He then went on to say he'd done a BSc in a subject in which Cambridge only awards a BA. Did it matter? Only in that I found it very difficult to trust him for the rest of the week long course and found myself questioning most things he said especially related to what he'd achieved, where he'd worked etc. I would've found having him as a work colleague difficult if we'd been employed in the same company.Credibility is easily lost and rebuilt slowly. Research shows that lies affect our brain and body causing stress to both and undermining well-being so such an approach may cost anyone dearly in ways other than just being found out.
Masters Degree Initials?
If someone graduates with a Masters of Business Administration, they would put MBA after their name...or if they receive their doctorate, they would put PhD after their name. What if someone graduates with a Masters in Finance...what can go after their name. (Masters of Science in Finance) Do you even put anything fancy after your name with this degree? I hope so since you do with an MBA...everyone with an MBA does.
When are you considered a college graduate?
When you graduate from college, you are a college graduate. Until you have been given a diploma that states you've received a degree, you are not a college graduate. By your logic, my friend's mom who dropped out her senior year of college is a "graduate" because she finished two years. Doesn't work like that ;) Edited to add: I didn't mention associates degrees because you didn't seem to indicate that whatever your program was gave one. If you were doing a two-year associates degree and have fulfilled those requirements, then yes you would be a graduate from that university. Otherwise, my original comment still stands.
What do I do after a degree in philosophy? Can I get a master's on anything right after?
You can go to graduate school with the intention of teaching philosophy once you have an MA or Ph.D. But given the decline of liberal arts students in Philosophy jobs are probably hard to find. Philosophy is about developing thinking skills, these can be applied to any job or pursuit you choose. Philosophy is also a good background if you decide to study law.Given your choice of Philosophy as an undergraduate you have in interest in big think questions, the history of ideas and “what is it all about anyway” questions, Perhaps a traditional career path is not for you. If you are a young person starting out try a lot of different things, you can’t know what you like until you find what you don’t like.Philosophy is not about getting a good job, it can be a way of living ones life more fully.I ended up as a game designer/philosopher. Good use of logic skills in rule writing.
Help with degrees of freedom please???
The degrees of freedom depends on what t-test you are performing. If you are assuming equal variances, then you would use n1+n2-2 = 35+31-2 = 64. However, if you are assuming unequal variances, then you would need to approximate the degrees of freedom. There are several ways to do it. Most statisicians believe that the Satterthwaite approximation is the best. That requires the use of the sample variances s1^2 and s2^2 df = (s1^1/n1 + s2^2/n2)^2/{(s1^2/n1)^2/(n1-1) + (s2^2/n2)^2/(n2-1)} This estimate for the degrees of freedom might be hard to read in this format. Below is a link that has the equation in a better format. You would have to scroll down a little bit. It's short hand uses the Greek letter nu (ν) If you are using a table, you would want to round this number down in all cases. So if you ended up with 51.87, you would use 51 degrees of freedom. However, on a computer, you should be able to use the decimal. If you do not have the sample variances though, another approximation is to take the smaller of n1-1 and n2-1. So in this case it would be the smaller of 35-1 and 31-1, so 30. Also keep in mind when you are doing this, the assumption of equal or nonequal varainces changes the calculation of the test statistic. The equal variances t-test would use a pooled sample variance; the unequal variance t-test would not. Be sure to know which one you are using.
Is getting a master's degree in computer science worth it even though I'm already a developer?
I think you answered your own question when you said: “I feel like my knowledge right now is very limited and would love to learn more of the theoretical parts of Computer Science.”If you feel your knowledge is limited and you have a desire to put in the extra work for the degree, you should end up knowing a lot more than where you started. That may be enough for you, but I would like to note that having a computer science degree may open more prospects in the job field for you. Many companies will require a CS (Computer Science) or SE (Software Engineering) degree for their more interesting positions. I’m not saying all companies do this, but it’s definitely something which will take away some road blocks.I also know a lot of people who don’t have a 4 year degree who did quite well. It all really depends on who you are and what path you want to take. In the end, I would highly recommend it though, based purely on how interested you portray yourself in the field and the guaranteed benefit it would give you in the job world.
What percent of people who have law degrees but aren't lawyers would recommend getting a law degree if you don't want to be a lawyer?
As a young, female entrepreneur hustling in a male-dominated business world, I have two words for you: Legitimacy and respect.Three months ago, I would have said, “DON’T DO IT!!! YOU WILL NOT KNOW ANY GREATER SUFFERING.” First, it’s a long term commitment: LSATs, three years of school, then the bar exam. Assuming that you take the LSATs and bar exam only once, you’re looking at a 4 to 5 year commitment. Second, like many grad school programs, cut-throat competition persists at top 20 law schools. It never feels good to have to compete with your friends. We were all fighting for a spot for one of those “A’s,” a place on a law review journal or a court board. Third, you will have no life and you will age drastically. Fourth, law school is not cheap. After graduating and passing the bar, I actually practiced law for a number of years at a large firm and a small firm. Just three months ago, I quit law. I don’t want to be a lawyer.I am now CEO and co-founder of LegaLaunch.com (a membership-based online community of solos and small law firms that enjoy savings on operational and legal expenses and use our technology to further enhance their business of law). Ask me the question again and I would say, “I could not have built LegaLaunch but for my law degree. “ Both investors and attorney users like the idea that the leader of our company understands the everyday challenges of attorneys and appreciates the intricacies of their business of law. So, my law degree has brought legitimacy to my role as a co-founder. Next, let’s face it. I’m a young, female entrepreneur in a male-dominated startup world. At first glance, most men see nothing but a girl in a dress. It’s not until I mention the fact that I’m a co-founder of a startup are they slightly more interested in talking to me—and when I say “slightly more interested,” I mean they are slightly more interested in talking about themselves. But the second I mention that I’m an attorney, a strange phenomenon takes place. Suddenly, men care about my opinion and they ask questions. There are, of course, other avenues and methods of earning respect from your partners, customers, and competition and gaining legitimacy in your industry. But, for me, LegaLaunch could not have generated friendships and partnerships to its full extent within the legal and business communities without my law degree.
Which sentence is correct, "I have graduated" or "I graduated"?
Generally “I graduated” would be used, such as: “I graduated from college on May 21, 2018”.Use of the progressive tense, “I have graduated”, would only be used in answer to a yes/no question, like - “Did you graduate”? “Yes, I have graduated.”Use of the progressive tenses are interesting, because they often imply that you are not responsible for something that happened - rather that whatever was done was not relatable to you. Example:“I broke the jar.” Whether one is asked “who broke the jar”? or you give the information freely, “I broke the jar,” we all know what happened and who did it. Change that to a progressive form, however, and …“The jar became broken”, leaves us knowing nothing about who did the breaking.Generally, in English we are not so circumspect that we speak in the progressive tense to hide fault.