Anonymous
07/11/2011 19:53
Subject: Struggling with finances... Don't know what to do anymore
You need to keep your health insurance.
You should consider being a nanny if you can't find a job that pays well enough to cover child care (so you can bring your own kid with you).
Your husband should work a second job on nights and weekends as long as he can bring in at least $10/hr net. Or you should work when he can cover childcare.
One law-related job you might consider (assuming you've passed the bar) is estates and trusts as a solo. Basic wills, POAs, etc. are simple and you can essentially take a class thru your state bar to get the basic training and forms. Then do the Mommy circuit and sell your services to your friends, etc. I knew a lawyer turned SAHM who turned a nice salary doing this. She "advertised" at playgroups, preschool, moms' clubs, etc.
You should consider being a nanny if you can't find a job that pays well enough to cover child care (so you can bring your own kid with you).
Your husband should work a second job on nights and weekends as long as he can bring in at least $10/hr net. Or you should work when he can cover childcare.
One law-related job you might consider (assuming you've passed the bar) is estates and trusts as a solo. Basic wills, POAs, etc. are simple and you can essentially take a class thru your state bar to get the basic training and forms. Then do the Mommy circuit and sell your services to your friends, etc. I knew a lawyer turned SAHM who turned a nice salary doing this. She "advertised" at playgroups, preschool, moms' clubs, etc.
Anonymous
07/11/2011 19:00
Subject: Re:Struggling with finances... Don't know what to do anymore
Anonymous wrote:Haven't read through all the posts but do you know Spanish? A friend of mine who knew BASIC Spanish advertised on radio stations with large Mexican audiences and took workers comp cases. He plugged along and built his rep by word of mouth and more radio ads. After a couple of years, he makes as much as a Biglaw partner.
Please don't recommend this to OP. She would be committing malpractice left and right--look at her posts. Even if (and big IF) she managed to get enough clients, going solo is really a big responsibility and she's clearly not capable of taking that on yet. She hasn't practiced law at all yet. That's no time to go solo.
Anonymous
07/11/2011 18:46
Subject: Struggling with finances... Don't know what to do anymore
OP, for as educated as you say you are, you're coming across as very dense/immature/etc.
Anonymous
07/11/2011 18:40
Subject: Re:Struggling with finances... Don't know what to do anymore
Anonymous wrote:Maybe your DH can join the military? He could join as an officer. I think they offer loan repayments if I'm not mistaken for certain positions. It might be an option.
Yes, JAG.
Anonymous
07/11/2011 18:32
Subject: Re:Struggling with finances... Don't know what to do anymore
Maybe your DH can join the military? He could join as an officer. I think they offer loan repayments if I'm not mistaken for certain positions. It might be an option.
Anonymous
07/11/2011 18:27
Subject: Re:Struggling with finances... Don't know what to do anymore
Haven't read through all the posts but do you know Spanish? A friend of mine who knew BASIC Spanish advertised on radio stations with large Mexican audiences and took workers comp cases. He plugged along and built his rep by word of mouth and more radio ads. After a couple of years, he makes as much as a Biglaw partner.
Anonymous
07/11/2011 18:16
Subject: Struggling with finances... Don't know what to do anymore
Anonymous wrote:Anonymous wrote:I voluntarily terminated health insurance through my husband's work because they refused to pay for my daughter's bills. If they're not going to cover our medical expenses, what's the point of health insurance?
Thank you for your email, though. I understand that many people are in the same position, and believe me, I feel VERY grateful that my husband has a job. I feel that it's best to get off this website. I don't want to wallow in self-pity or get into some stupid internet war with some poster over whether or not I am really of Asian descent.
I am getting off this board for good now. Thank you for your responses, everyone!
OP - you are an idiot. That is why you don't have a job.
why be so nasty? She is in a very tough spot.
Health insurance is the least of her worries. She needs a job with benefits for many reasons.
Anonymous
07/11/2011 18:10
Subject: Struggling with finances... Don't know what to do anymore
Anonymous wrote:I voluntarily terminated health insurance through my husband's work because they refused to pay for my daughter's bills. If they're not going to cover our medical expenses, what's the point of health insurance?
Thank you for your email, though. I understand that many people are in the same position, and believe me, I feel VERY grateful that my husband has a job. I feel that it's best to get off this website. I don't want to wallow in self-pity or get into some stupid internet war with some poster over whether or not I am really of Asian descent.
I am getting off this board for good now. Thank you for your responses, everyone!
OP - you are an idiot. That is why you don't have a job.
Anonymous
07/11/2011 18:04
Subject: Re:Struggling with finances... Don't know what to do anymore
Anonymous wrote:Anonymous wrote:OP: If you went to a 1st tier school and graduated at the bottom it is still better than a 4th tier school. Stop wallowing in self-pity, use the resources available to you and get a job. You can do it. Stick with one thing and don't waver. Stick with the law degree, you are paying for it, you should use it.
B.S. I went to a 4th tier law school and graduated at the top of my class. I'm currently working in the law and making good money (6 figures) so...bite me.
nah, bottom of the class at 1st tier is much better in the long run that top of the class at a 4th tier. Maybe I'd agree for a 2nd tier. Univ Baltimore is never better than Georgetown.
Anonymous
07/11/2011 18:04
Subject: Struggling with finances... Don't know what to do anymore
Anonymous wrote:OP here. It may not be a strong cover letter, but it's gotten me several interviews. It's the interview stage where I lose the prospect -- they start questioning my background, I get nervous, they ask what I want to do in 10 years, why I went to law school if I want to work in education/marketing/insert random field, etc.
Okay, OP, I'm trying to be sympathetic to me, but you are starting to come across as...I don't know...a bit of a prima donna. EVERYBODY gets nervous at interviews. You need to PREPARE for them so that you have answers to these obvious questions. This really isn't rocket science. First off, don't even include your grades on your resume. Don't volunteer that info unless asked for it. And then, have a good answer to account for your poor grades.
Honestly...if you've gotten interviews then you should be killing yourself preparing for what sounds like pretty stock questions...
Anonymous
07/11/2011 18:04
Subject: Struggling with finances... Don't know what to do anymore
I am not a lawyer or American - can you tell me the definition of BigLaw? Does this meaning working at law firms of a certain size and prestige or working as a lawyer in one of the top finance companies, or legal counsel at top insurance companies.....all of that? Thanks.
Anonymous
07/11/2011 18:01
Subject: Re:Struggling with finances... Don't know what to do anymore
Anonymous wrote:OP: If you went to a 1st tier school and graduated at the bottom it is still better than a 4th tier school. Stop wallowing in self-pity, use the resources available to you and get a job. You can do it. Stick with one thing and don't waver. Stick with the law degree, you are paying for it, you should use it.
B.S. I went to a 4th tier law school and graduated at the top of my class. I'm currently working in the law and making good money (6 figures) so...bite me.
Anonymous
07/11/2011 17:41
Subject: Re:Struggling with finances... Don't know what to do anymore
OP: If you went to a 1st tier school and graduated at the bottom it is still better than a 4th tier school. Stop wallowing in self-pity, use the resources available to you and get a job. You can do it. Stick with one thing and don't waver. Stick with the law degree, you are paying for it, you should use it.
Second, tell your husband to shut up and if he's so hot, than he can get a better job too. I find it amazing neither one of you is working in law.
Stop being afraid to admit you are looking for a job. Use all of the contacts you have. Everyone has low points in their career and you are at a low point, but how you (and your husband) handle this will shape the people you will be in 10 years and beyond.
How old are your children?
Second, tell your husband to shut up and if he's so hot, than he can get a better job too. I find it amazing neither one of you is working in law.
Stop being afraid to admit you are looking for a job. Use all of the contacts you have. Everyone has low points in their career and you are at a low point, but how you (and your husband) handle this will shape the people you will be in 10 years and beyond.
How old are your children?
Anonymous
07/11/2011 17:31
Subject: Struggling with finances... Don't know what to do anymore
Anonymous wrote:Anonymous wrote:I voluntarily terminated health insurance through my husband's work because they refused to pay for my daughter's bills. If they're not going to cover our medical expenses, what's the point of health insurance?
Because, as much as it sucks to sink 200-300+ dollars a month into something you think you are not using... you need to. they are not paying your DDs bills for hearing but its irresponsible to not have any sort of health coverage, esp with a child. if anything catastrophic - like a car accident, or cancer etc. strikes your 370k student loan debt could turn into the least of your problems. you need insurance. period.
Totally disagree with this - a child will get care regardless of whether or not her parents can pay. OP and husband have no assets to protect. Even with insurance, the fact of the matter is, if there is a catastrophic health issue, OP and husband will not be able to pay anyways. Unless they have extraordinarily good coverage, the max on most health insurance is nowhere near the cost of care for cancer, car accident, etc. Most bankruptcies due to medical bills are people who did in fact have insurance. If you are judgment proof and healthy, dropping health insurance is a wise move statistically if you are unable to pay basic necessities.
Anonymous
07/11/2011 17:22
Subject: Struggling with finances... Don't know what to do anymore
Anonymous wrote:I voluntarily terminated health insurance through my husband's work because they refused to pay for my daughter's bills. If they're not going to cover our medical expenses, what's the point of health insurance?
Because, as much as it sucks to sink 200-300+ dollars a month into something you think you are not using... you need to. they are not paying your DDs bills for hearing but its irresponsible to not have any sort of health coverage, esp with a child. if anything catastrophic - like a car accident, or cancer etc. strikes your 370k student loan debt could turn into the least of your problems. you need insurance. period.