First time to NYC, walked into an empty car during rush hour thinking I was a genius. Doors close behind me, a woman, and her teenage daughter.

Brightness spreads across the cars,
The evening hour is not so far,
Shills run by in search of space,
Late for happy hour place.

Oh an empty car is found,
Without a soul can sit down,
Or go in that crowded hell,
But that’s where my iPod fell.

Now a strong stench hits the air,
The funk of 40,000 steps,
As the doors seal up our tomb,
Confidence turns into doom.

And though I fight to be calm,
My tourist nose does quiver,
For no commuter can escape,
The dookie of the filler.

It was empty because a homeless man was shitting in a garbage bag.

I’m not a financial advisor and I agree with the notion of the commission angle. I used to sell whole life, ages ago, and it is a useful option due to the nature of it; however, it becomes very expensive later in life and it’s not touchable until retirement. I’m 15 years out of insurance, so I don’t know if an underwriter offers a whole life that “acts like a 40XY”, but that’s not the main purpose of the product. I typically sold term because it’s an easier product to sell - the expense of WL is somewhat sales prohibitive unless you have an income and strategy that takes advantage of it.

Disability insurance is great to have, but it’s a protective plan: not an investment plan.

Also agree that the match is okay, but if you’re not staying longer than the vesting period meh. Maybe you get access to low fee plans from the employer and that’s better than the alternative (nothing or IRAs). Check the fund offerings and how much fees are compared to your Roth IRA.

No worries - If all goes well, I'm going to try to convince my wife for a random flight from CA to ME for funsies and exploration. I'll leave the nuclear armageddon fun facts until we get there.

Thanks for the wishes - hopefully it all works out as I'm getting it together.

Thanks for your reply!

That’s a refreshing perspective considering that my first undergrad was 50,000 people.

Waiting to find out. In theory, it’s competency based, so it’s up to me.

Noice. Even though I’m trying to enroll into an online program, it’s good to know where to bug out.

O_O

I don't know - I never attended a "normal" business school, but I did do night school at a ACBSP accredited junior college to get all my post-bacc CPA coursework.

I can't compare, but I'll admit that AACSB dual accredited Business/Accounting schools with Accounting Masters programs prepare their students better than mine did for the CPA tests. The exams they took were significantly harder than mine and tested the comprehension of a lot of advanced material that I learned from experience and had to learn via CPA prep coursework. Sadly, a masters wasn't an option to me when I started my post-bacc education.

May I ask why? Do you teach accounting? (real question)

From my understanding, the AACSB is relevant for PhD professors whose focus is completing research, and beneficial for undergraduates for access to accounting/business honor societies linked to AACSB. No one in industry or big 4, I've worked with (in Texas), has snubbed an accounting graduate for picking a school without AACSB. We have had, however, some issues with for-profit graduates like Phoenix and Grand Canyon.

Most CPA boards don't require practitioners to come from AACSB accreditation and if they do, like New York or Wisconsin, they offer alternate pathways.

They don't have degree completion in accounting, otherwise I'd do it.

There are only two schools in the USA that don't require 30-60 hours of in-residence (via the school) degree learning: UMPI or Thomas Edison State University.

Ah, you're a SWTS Bobcat! Good school :) You do funny things when you're young.

Now that is interesting. Thanks, friend!

How cool! San Angelo is very nice, but I understand the desire to get out. New England has a charm that I have always loved. It's far more kind than Southern California, where we are currently. It's nice, but fake here. I'd rather someone yell at me for doing something stupid and correct me than the opposite.

Houston is my heart. It's a lot easier lifestyle than where we are in California, but for as big as it is, it can be small and not have a lot of touristic options. It has a lot of restaurants and jobs, but didn't have the right opportunities for my wife, and that's why we moved.

Check out this book:https://www.amazon.com/Homesick-Texan-Cookbook-Lisa-Fain/dp/1401324266

It helped me when I was in Connecticut ;-)

I'm from Houston, but did a small stint for work out in the Permian: Pecos and Odessa. That's a pretty big move - how'd you like Maine in comparison?

Thank you!

Woof. I'm 90 miles from LA and want to GET AWAY. I thought NYC was intense. Yikes.

I get your point, though. Very interesting.

UPMI currently offers two options, in person:

- BA Accounting

- BABA Accounting

YourPace has three options:

- BA Accounting

- BABA Accounting

- BLS Accounting

I applied for BABA, but given my transfer hours, they may say I should go BA route.

I don't really mind either BA or BABA. It's basically the same as the BBA Acct or BAcct I've seen at other schools and seen while hiring applicants at my previous companies.

Given my situation, I'm looking at UMPI or Thomas Edison State University. I looked at other online bachelors: the University of Houston (my first choice) doesn't allow second bachelor degrees in their business school, and the University of Alabama Birmingham required me to re-do almost 2 years of coursework.

Accounting.

At least it's a jet. I've flown via prop in Southern California and Central America. That's an experience that makes you contemplate writing a will.

Gotcha and thank you for the reply. It’s informative. I know there’s a twice daily flight from Newark to PI, so that would help.

Your point is valid: save unnecessary spending.

It’s that YP program mentioned and the accounting one. I’m already 15 years into my career and have an Econ degree, but I’m sitting for my CPA (already eligible). My motive also is that those darn job sites filter me out for not having an accounting degree. It seems silly, given my experience and that I’ve held accounting management positions for the last 5 years. $1,400/session so that I’m not filtered out from higher paying jobs seems like a good ROI.

Waiting on my results from the adcom, but if it works out: I’ll be grateful for the opportunity.

So interesting - I know a minuscule amount about Maine. Given the ages of the states, I thought Maine was like CT in its population. Ignorant Texan, here.

Got it, got it. I lived in West Texas - it’s kinda like that too, but trade the trees for open, desert prairie.

Plus, I love me some potatoes and when I could eat it, venison!

Very cool. Thanks for your reply!

I’m guessing UMPI is historically a commuter school that most students would transfer out of or get their associates and move on?

The programs look like liberal arts with an ag/medical/criminal justice/business lean.

Awesome. I’m from Texas, lived in CT and now living in California. I’m familiar with those states, but not so much Maine (except those Black Bear sports teams and the Maine 3).