What Are the Side Effects of Bad Credit

What Are the Side Effects of Bad Credit What Are the Side Effects of Bad Credit? What Are the Side Effects of Bad Credit?A bad credit score can negatively affect your everyday life (and your personal financial outlook) in ways you wouldnt expect.Okay, so you have bad credit. Awesome.Actually, no, wait. Not awesome. The opposite of awesome. Your credit score is one of the most important numbers in your life, and a poor credit score pretty much means entering a world of financial hurt.And heres the real kicker: You might think you know all the ways in which a bad credit score will screw with your finances. But in fact, the effects are way more widespread than that.Here are five of the main side effects you’ll experience when you have lousy credit.1. Youll be stuck with much riskier loans.  A bad credit score is going to shut you out from the kinds of personal loans offered by traditional lenders like banks. Heck, even a so-so credit score will oftentimes leave you high and dry. Instead, you’ll be stuck with bad credit loans and no credit check loans, which come with much higher interest rates than regular loans.And when we say higher, we mean way higher. Your standard unsecured personal loan will have an Annual Percentage Rate (APR) anywhere from five to 36 percent. Your average payday loan, on the other hand, has an average APR of 391 percent. That’s over 10 times higher than the most expensive personal loan! The same goes for cash advances (which are basically payday loans using a different name) and title loans, which have an average APR of 300 percent.Don’t get us wrong, the right bad credit loan can be a great financial solution when you’re dealing with surprise expenses. But many bad credit and no credit check loans also come with short terms and lump sum repayments that can make them incredibly difficult to pay back on time. That’s how borrowers end up getting stuck in a nasty cycle of debt. (If you want to skip that predatory debt cycle, consider taking out an amortizing bad credit installment loan.)But having to resort to riskier and more expensive types of loans is one of the most obvious ways that a bad credit score can affect your finances. The next items on this list are a little more surprising.2. You could have trouble renting an apartment.  You might not know this, but potential lenders aren’t the only ones that look at your credit score or pull copies of your credit report. This practice is pretty much standard for potential landlords when they’re considering a person’s rental application.After all, a history of things like delinquent accounts, repossessed cars, evictions, and late or missed rent payments all speak to whether or not you might be a good tenant and whether they’ll have to hound you every month to get your rent paid.Apartment hunting with a lousy credit score will mean more rejections and requests for larger security deposits. If you’re in this situation, you should look for individual landlords over big rental companies, as they’ll be more likely to make exceptions .Looking for less trendy neighborhoods, snagging yourself a co-signer, and offering to pay more than the requested amount up front are all ways to get an apartment despite your bad credit. And when in doubt, be honest and explain yourself, maybe even in an official letter of explanation. Potential landlords will respect that.3. You could be stuck paying extra for utilities.  Once you’ve paid double the normal deposit for that new apartment and you’ve got your move-in date set, it’ll be time to turn your attention to utilities like water, gas, electricity, internet, and (maybe) phone or cable. No problems here, right?On the contrary, this is another area where your poor credit score will set you back. Utility contracts are a form of credit called “open accounts” where every month you have a certain amount of money that needs to be paid in full. And while these credit accounts don’t involve any interest, the utility company will still be interested in your credit score.Whi le a bank might simply turn you down based on your credit score, the utility company will probably just charge you higher rates. (Failure to pay, however, will indeed get your service shut off.) The utility company might even ask for a large up-front depositâ€"up to one-sixth the cost of your annual serviceâ€"or a “letter of guarantee” before they’ll sign you up.4. Your car insurance rates might go up.  Here’s the funny thing about this bad credit side effect. While insurance companies won’t actually check your credit score when you apply with them, they will take the same information that appears on your credit reports and feed it through their own super-secret formula to create a “credit-based insurance score.”The difference between this score and your regular credit score is that this score has a different goal in mind: It’s designed to determine how many claims you’ll file. The more claims you’ll file, the more money you are going to cost the insurance compan y. To offset that cost, they’ll then charge you higher rates.The reason that insurance companies do this is fairly simple. According to a 2007 report from the Federal Trade Commission (FTC) titled Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance, these scores work:“Credit-based insurance scores are effective predictors of risk under automobile policies. They are predictive of the number of claims consumers file and the total cost of those claims. The use of scores is therefore likely to make the price of insurance better match the risk of loss posed by the consumer. Thus, on average, higher-risk consumers will pay higher premiums and lower-risk consumers will pay lower premiums.”So while bad credit might not directly translate to higher rates for your car insurance, a poor credit score is still a likely indicator that you’ll be paying more.5. Your job application could end up in the trash.  This is the rarest side effect of bad credit, but it’s o ne you should still be aware of. Bad credit could be the thing that prevents you from getting hired for a jobâ€"and, in some circumstances, it could even mean getting fired.Some employers run pre-employment credit checks when hiring. While they don’t check your credit score, they will still get a copy of your credit report, which will contain all the information that led to your poor score. These checks need to be run with your permission, but refusing to give your permission could very well knock you out of the running.While these credit checks could be used as a tie-breaker between two equally impressive candidates, they are also very common in positions and industries where handling large amounts of money is part of the job. It makes sense: A person who isn’t good with their own money probably shouldn’t be in charge of other people’s money.Similarly, employers in many states can run credit checks on their employees. While you are much more likely to run into a credit chec k when you’re being hired for a position, you can certainly encounter one at a company you already work forâ€"especially if you’re up for a promotion.Unless, of course, you live in one of the many states where these practices are restricted. To learn more about the laws regarding employer credit checks in your state, check out this report from the alternative credit reporting agency Microbilt: State Laws Limiting Use of Credit Information For Employment.As this blog post has demonstrated, having lousy credit sucksâ€"perhaps in more ways than you anticipated! If you want to read about some ways you can improve your credit, check out these related posts from OppLoans:What’s the Quickest Way to Fix Bad Credit?No Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreWant to Raise Your Credit Score by 50 Points? Here Are Some TipsWhat else do want you know about living with bad credit? We want to hear from you! You can find us  on  Facebook  and  Twitter.

Online Journalism A New Wave Essay - 2132 Words

AMITY UNIVERSITY UTTAR PRADESH AMITY SCHOOL OF COMMUNICATION Cyber Media- Assignment Online Journalism: A New Wave Submitted By: Anubhuti Gupta Course: BJ MC Batch: 2012-2015 Enrolment No.: A2028712062 Introduction News-casting has been moderate to create different structures in reaction to the new settings gave by the web. One quickly creating structure, remarkable to the around the world web, is the weblog. This article audits the cases made by advocates of the structure and investigates, through the case investigation of a weblog delivered by the British Guardian daily paper, epistemological contrasts to the predominant Old English American news structure. The article contends that the rearticulating in this institutional result of the connection in the middle of columnists and clients, of the case to power made in the news content and of the news message as item, gives history specialists of both reporting and new media with a careful investigation of the adjustment of reporting to new connections. The rise of computerized local media outlets and proceeded with development in online feature has not yet definitely changed the substance of the U.S. news media. About one third of U.S. grown-ups, including about 50% of individuals matured 18-49, watch online news feature, as indicated by the 2014 State of the News Media study from the Pew Research Center. 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Social media are media designed to be disseminated through social interaction, using highly accessible and scalable publishing techniques.† - Wikipedia For almost two decades, the web has changed the world and revolutionized how information is stored, published, searched and consumed. The ripple effect has spread so wide that it impacts not just businesses and industriesRead MoreRequired Midterm Essay Questions1563 Words   |  7 Pagesï » ¿Trace the history of the printed newspaper and various types of eras in reporting the news. Start with the colonial period of print up to and including how printed news is delivered today with national papers like USA Today. Include and describe what was the significance of the era of the penny press, jazz journalism, yellow journalism, and muckraking. The history of the printed newspaper in the United States has spanned even before the nations independence. 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Such trust is built upon the credibility journalistic efforts. In the past, though mistakes have been made by even the most reputable of news providers, credibility was maintained and public trust in the journalist industry was steady. However, with the Internet taking its first infant steps into the reporting world, concern is being vocalized that public trust in journalism will be damaged by mavericks, such as Matt Drudge, whoRead MoreFeminism And Its Impact On Women s Rights Movement Essay1586 Words   |  7 PagesThe Feminine Mystique by Betty Friedan introduced the second wave, leading to Congress passing the Equal Pay Act, the FDA approving birth control pills, and Roe v. Wade giving ladies right to govern their bodies. Numerous additional laws passed, yet parallel to the first wave, the second wave slowly faded introducing a new wave (The Women s Rights Movement, 1848-1920 | US House of Representatives: History, Art Archives). 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Purdue Owl Essay Writing - 1163 Words

29/10/2010 Purdue OWL Engagement Welcome to the Purdue OWL This page is brought to you by the OWL at Purdue (http://owl.english.purdue.edu/). When printing this page, you must include the entire legal notice at bottom. Contributors:Elyssa Tardiff, Allen Brizee. Summary: This resource describes why outlines are useful, what types of outlines exist, suggestions for developing effective outlines, and how outlines can be used as an invention strategy for writing. Four Main Components for Effective Outlines Ideally, you should follow these four suggestions to create an effective outline. The examples are taken from the Sample Outline handout. Parallelism - How do I accomplish this? Each heading and subheading should preserve†¦show more content†¦What is the purpose of this essay? To explain the process for applying to college Who is the intended audience for this essay? High school students intending to apply to college and their parents What is the essays thesis statement? When applying to college, a student follows a certain process which includes choosing the right schools and preparing the application materials. Full Sentence Outlines The full sentence outline format is essentially the same as the Alphanumeric outline. The main difference (as the title suggests) is that full sentences are required at each level of the outline. This outline is most often used when preparing a traditional essay. Select the Sample Outlines PDF in the Media Box above to download the sample of this outline. Decimal Outlines The decimal outline is similar in format to the alphanumeric outline. The added benefit is a system of decimal notation that clearly shows how every level of the outline relates to the larger whole. Select the Sample Outlines PDF in the Media Box above to download the sample of this outline. Copyright  ©1995-2010 by The Writing Lab The OWL at Purdue and Purdue University. All rights reserved. This material may not be published, reproduced, broadcast, rewritten, or redistributed without permission. Use of this site constitutes acceptance of our terms and conditions of fair use. Please report any technical problems you encounter.Show MoreRelatedEssay on How To Write Using the APA Writing Style1597 Words   |  7 Pages The APA writing style is most commonly used to cite sources for psychology, education, and social sciences and is also the official writing style of the American Psychological Association. The General APA Organizational Guidelines are basic guidelines that explain how to write a research paper in the APA format. 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Ruby Turpin Essay Free Essays

Her knowledge does not rest upon the will of God, but on the racist environment she lives in. Ruby Turnip is a closet racist, she loves to categorize people and put them in boxes. It is the environment she is surrounded with that influences her actions. We will write a custom essay sample on Ruby Turpin Essay or any similar topic only for you Order Now But the influence around her is not invincible. Ruby Turnip has been given the capability to break out of her mold and become something more. She has been given by God a chance to become a better Christian. A culture and way of life are engraved into your being from the beginning of your birth. A hypocritical culture, like that of the South, creates an interesting conflict of ideas and beliefs. The ordinary Southerner is a Christian who airships God every Sunday; one believes that at the end of time, God will judge them by looking at all his lifetime’s deeds, both good and bad. But he is also born into an environment that has a lot of prejudice. These opposing values, one symbolizing charity and brotherhood and the other representing an elitist culture, are taught and engraved in the South. Ruby Turnip believes she is a good Christian women but participates in the old southern pastime of racism. She believes that she is not racist, but is shocked to see blacks leading the way into heaven. She treats the black helpers like idiots, putting on a ask to cover her true prejudices and beliefs. It takes the spontaneous outburst of Mary Grace for Ruby Turnip to be shaken out of her closed point of view. She cannot understand how she is both a Christian and a warthog from hell. At first she cannot understand why, not seeing her own hypocrisy and pharisaic attitude. But at the end of the story, Ruby Turnip has a vision of the procession to heaven with those she considered lesser in front of her to heaven. It is a cultural shock. Everything she was made to believe in is false. Everything she has learned about the world and its society is false. The only Ruth she now has is the Divine Truth, the revelation from God. It is up to Ruby Turnip to use this new found truth as way to become a better Christian ore forsake this new divine revelation. It is possible for Ruby Turnip to overcome and triumph over the social norms she faces in the depraved and biased culture she faces in the South. She, unlike the other characters we encounter in the story, ponders over the caste question. In one sense Ruby Turnip is better than her husband, Claude, and most other Southerners. She constantly ponders and obsesses over the classification of people as she may have a guilty conscience. Her constant thinking might make her able to come to terms with her own attitude. Claude is a man that accepts the bias culture that he has grown and lived with. Moreover, he neither questions nor ponders about the social question he is surrounded with. He chooses to ignore it. On the other hand, Turnip falls asleep pondering this question. Quote. Her nonstop mulling over this question shows that it is possible for her to grow into a more perfect Christian. The idea that while others do not think about the bias they have grown with, Ruby Turnip thinks about this social norm every day. Ruby Turnip t her core is a person with contradicting beliefs: a Christian, and a judgmental Southern. She is a person capable of being apathetic to the plight of others. She agrees with the spirit of the song. The gospel song’s message â€Å"You go to your church / And I’ll go to mine / But we’ll all walk along together We’ll help each other out† (496), which is played in the reception room, States that all though we are all different We are all Christians and that we will all walk together hand in hand to heaven and ultimately to God. This shows that her Christian beliefs of equality is a strong and integral part of her being. Ruby Turnip’s philosophy in life is to help others. She makes it her life goal to help those that are in need, who need a hand. She never spared herself when she found somebody in need, whether they were white or black, trash or decent’ (497). It is her duty as a morally upright Christian to not see others for what they are but for who they are. Ruby Turnip knows that before death, we are all equal. She dreams that â€Å"they [people] were all crammed in together in a box car, being ridden of to be put in a gas ovenà ¢â‚¬  (492) This graphic imagery references the holocaust when the Jews were crammed into box cars and transported. O camps. This scene symbolizes that before death and ultimately God we are all equal. That no matter our station or position in life we are, before God’s judgment we are equal. Ruby Turnip although a biased and judgmental person, she is not morally at fault. The definition of a sin is any act regarded as such a transgressions especially a willful or deliberate violation of some religious or moral principle. Her sin or transgression is no a deliberate act against God’s will. She believes in the truth that she has been taught: that racism and judgmental doesn’t go against or oppose the divine will of God. The environment around her has affected her to the point of not realize her own moral faults and defects. This is the reason why she has trouble grappling over Mary Grace’s revelation: that she, Ruby Turnip, a believer in the grace of God is a warthog from hell. Her judgmental and racism can only be considered a culpable sin when she encounters Mary Grace. Mary Grace is the first oppositions to the beliefs Ruby Turnip has grown up with. She is the only one to go against the social norms that have been imposed by the southern society. Mary Grace represents an enlightened, more modern world view on societal bigotry. It takes the grace of God to knock some human development into her. Ruby Turnip is not culpable for her sin because of her ignorance. Her ignorance of a more Christian point of view of the world, blocks her path to God. But as soon as God reveals to her the truth, Ruby Turnip has a choice: either accept this revelation or turn away from God and believe in the society beliefs. â€Å"For unto whomsoever much is given, of him shall much be required; and to whom much was committed, more will be asked of him. But he that knew not, and did commit things worthy of stripes, shall be beaten with few stripes† (Luke 12:48). Those who are not given much are not expected to give back, they are punished less severely than those who much is given but don’t give back to God are punished to the most limits. â€Å"For as many of you as were baptized into Christ have put on Christ. There is neither Jew nor Greek, there is neither slave nor free, there is no male and female, for you are all one in Christ Jesus. And if you are Chrism’s, then you are Abraham’s offspring, heirs according to promise: (Galatians 3:26-29). We are all brothers and sisters with Christ and because Of this We are the heirs to the promise of eternal salvation with God. How to cite Ruby Turpin Essay, Essays

Thanksgiving and Christmas Comparison and Contrast Essay Example For Students

Thanksgiving and Christmas Comparison and Contrast Essay Thanksgiving and Christmas Comparison and Contrast Essay: For most of us, in the United States, Thanksgiving and Christmas are very important holidays. Aside from both of them being in winter, They are traditional holidays for the union of family. In the United States, when children grow up, they usually leave the comfort and security of their parents home in order to build lives of their own. Thanksgiving and Christmas gives them a chance to return home and visit with their parents. These holidays also give parents a chance to be more intimate with their children Thanksgiving and Christmas are the holidays when people show more concern and compassion for others. We will write a custom essay on Thanksgiving and Christmas Comparison and Contrast specifically for you for only $16.38 $13.9/page Order now There are some differences between the two holidays, Thanksgiving Day, is the holiday that you give thanks to God for a plentiful harvest, it involves not only thanks but also giving it is a time when people help those who are poor and less-fortunate then themselves. Its origins can be traced back to 1621 when the Pilgrim settlers celebrated their first harvest by enjoying a great feast with their newfound Native American friends. An American holiday, we celebrate Thanksgiving Day much like the Pilgrims did with turkey, stuffing, pumpkin pie, and the company of family and good friends it is now celebrated on the forth Thursday in November. Christmas Day, an international holiday, is celebrated in a number of countries, it is the Christian holiday that celebrates the birth of Jesus Christ, because we do not know the exact date for Christs birth, we choose December 25th as the birthday of Jesus. On Christmas day you go to Church where you take part special religious services. In order to celebrate the birth of the Son of God, Christmas is a day for spreading joy, good cheer, and the word of God. Much like Thanksgiving, Christmas is also a time for giving thanks, not only for a good harvest, but for all that you have, family, love, and the freedom of choice. It is a time for the exchange of gifs, out of love for one another, a time for families to enjoy each other the company of friends, a time to try and bring a little happiness to all you come into contact with, a time of forgiveness. Thanksgiving Day and Christmas are both very important holidays for families. They provide a good chance for families to get together and communicate with each other. They promote peace, health, plenty, happiness and good will toward men. In this time of moral decline, both give you a break from the day-to-day grind in this rat race we are confronted with to day, and gives you a chance to get back to our roots. .

How to Become a Dietitian or Nutritionist

How to Become a Dietitian or Nutritionist As Americans face a growing obesity crisis and ever-growing awareness about how what we eat affects our health, medical professionals in the field of dietetics are key members of that front line. Behind every public program like healthier school lunch initiatives or campaigns to fight Type 2 diabetes, dietitians and nutritionists are the ones using science to set healthy food guidelines and diet plans. The Day-to-DayDietitians and nutritionists work in a variety of settings, from healthcare settings (hospitals and clinics) to government (public health agencies) to the private sector (food manufacturing and distribution companies). They may work directly with patients to create and maintain diet plans to lose weight or improve health, but they might also work on larger-scale public health programs to encourage healthy eating to broader populations. You can also find dietitians working on nutrition guidelines and food safety in the government or in private companies. Their tasks often include:Designing diets that target specific conditions, like obesity, diabetes, or high blood pressureHelping patients maintain diets for health or weight loss, and ensuring that patients are dieting safelyDeveloping nutrition programs for an entire facilityImproving accuracy in food labels and advertisingWorking with agencies and manufacturers to improve food safetyResearching how food and nutrition interact with the body and various conditionsEducating the public (broadly or in specific targeted populations) on nutrition, food safety, and healthy lifestyle practicesDietitians and nutritionists typically work a standard full-time work week in an office or clinic setting.  For more on dietetics and what it’s like to be a dietitian or nutritionist, check out these videos:A Day in the Life: DietitianHow to Become a Registered Dietitian/NutritionistAsk a Nutritionist with Shira LenchewskiIs Being a Nutritionist Right for You?The RequirementsMost dietitians and nutritionists h ave a bachelor’s degree, and have completed a residency, internship, or other form of supervised training. Most states require a license for dietitians and nutritionists, so be sure to check your own state’s requirements if you’d like to start down this career path.The SkillsThe dietetics field calls for a number of special skills and knowledge bases, including:Attention to detailMath and science (particularly biology, food science, and biochemistry)Critical thinkingPatient evaluationAnatomy and physiologyDisease managementPublic health implementationThe PayPer the U.S. Bureau of Labor Statistics (BLS), the median salary for dietitians/nutritionists is $56,950, or $27.38 per hour. In addition, the field offers a lot of fulfillment for its members. According to a survey conducted by PayScale, the average dietitian is â€Å"extremely satisfied† in his or her career.The OutlookAs mentioned before, the renewed focus on food and nutrition, both on a national a nd personal health level, means that this is a gangbusters-level field for growth. Openings in dietetics are expected to grow at least 16% by 2014, which is significantly faster than average.Interested? APPLY HERE

A Doctor of Philosophy or Doctorate

A Doctor of Philosophy or Doctorate More than 54,000 students earned doctoral degrees in 2016, the latest year for which figures are available, a 30 percent increase since 2000, according to the  National Science Foundation.  A Ph.D., also called a doctorate, is a Doctor of Philosophy degree, which is a misleading moniker because most Ph.D. holders are not philosophers. The term for this increasingly popular degree derives from the original meaning of the word  philosophy, which comes from  the ancient Greek word  philosophia, meaning love of wisdom. What Is a Ph.D.? In that sense, the term Ph.D. is accurate, because the degree has historically been a license to teach, but it also signifies that the holder is an authority, in full command of (a given) subject right up to the boundaries of current knowledge, and able to extend them, says  FindAPhD, an online Ph.D. database. Earning a Ph.D. requires a hefty financial and time commitment- $35,000 to $60,000  and two to eight years- as well as research, creating a thesis or dissertation, and possibly some teaching duties. Deciding to pursue a Ph.D. can represent a major life choice. Doctoral candidates require additional schooling after completing a masters program to earn their Ph.D.: They must complete additional coursework, pass comprehensive  exams, and complete an independent dissertation in their field. Once completed, though, a doctoral degree- often called a terminal degree- can open doors for the Ph.D.holder, especially in academia but also in business. Core Courses and Electives To obtain a Ph.D., you need to take a group of core courses as well as electives, totaling about 60 to 62 hours, which are roughly the equivalent of units at the bachelors degree level. For example,  Washington State University  offers a  Ph.D. in crop science. Core courses, which make up about 18 hours, include such subjects as introduction to population genetics, plant transmission genetics, and plant breeding. Additionally, the student must make up the remaining required hours through electives. The  Harvard T.H. Chan School of Public Health  offers a doctoral degree in  Biological Sciences in Public Health. After core courses such as  laboratory rotations, biological sciences seminars, and core  principles of biostatistics and epidemiology, the Ph.D. candidate is required to take electives in related fields such as  advanced respiratory physiology,  advanced respiratory physiology, and  ecological and epidemiological control of parasitic diseases. Degree-granting institutions across the board want to ensure that those who earn Ph.D.s have broad knowledge in their chosen field. Thesis or Dissertation and Research A Ph.D. also requires students to complete a large scholarly project known as a  dissertation, a research report- usually 60-plus pages- which signifies that they are able to make significant independent contributions to their chosen field of study. Students take on the project, also known as a  doctoral thesis, after completing the core and elective coursework and passing a  comprehensive  examination. Through the dissertation, the student is expected to make a new and creative contribution to a field of study and to demonstrate her expertise. According to the  Association of American Medical Colleges, for example, a strong medical dissertation relies heavily on the creation of a specific hypothesis that can be either disproved or supported by data collected through independent student research. Further, it must also contain several key elements starting with an introduction to the problem statement, conceptual framework, and research question as well as references to literature already published on the topic. Students must show that the  dissertation  is relevant, provides new insight into the chosen field, and is a topic that they can research independently. Financial Aid and Teaching There are several ways to pay for a doctoral degree: scholarships, grants, fellowships, and government loans, as well as teaching.  GoGrad, a graduate school information website, provides such examples as the: Science, Mathematics, and Research for Transformation (SMART) Scholarship for Service Program, which provides  full tuition and an annual stipend of  $25,000 to $38,000.National Defense Science and Engineering Graduate Fellowship,  a three-year graduate fellowship that is designed to support doctoral students across 15 engineering disciplinesNational Science Foundation Graduate Research Fellowship Program, a three-year program that provides an annual stipend of $34,000 and a $12,000 cost-of-education allowance for tuition and fees As it does for bachelors and masters degrees, the federal government also offers several  loan programs  to help students finance their Ph.D. studies. You generally apply for these loans by filling out the free application for federal student aid (FAFSA). Students planning to go into teaching after obtaining their doctoral degrees often also supplement their income by teaching undergraduate classes at the schools where they are studying. The University of California, Riverside, for example, offers a  teaching award- essentially a stipend applied toward tuition costs- for Ph.D. candidates in English who teach undergraduate, beginning-level, English courses Jobs and Opportunities for Ph.D. Holders Education accounts for a large  percentage doctoral awards, with elementary education, curriculum and instruction, educational leadership and administration, special education, and counselor  education/ school counseling topping the list. Most universities in the United States require a Ph.D. for candidates who seek teaching positions, regardless of the department. Many Ph.D. candidates seek the degree, however, to boost their current salaries. For example, a health, sports,  and fitness educator at a community college would realize a bump in annual pay for obtaining a Ph.D. The same holds for educational administrators. Most such positions require only a masters degree, but obtaining a Ph.D. generally leads to an  annual stipend that school districts add to the annual salary. That same health and fitness instructor at a community college could also move on from a teaching position and become a dean at a community college- a position that requires a Ph.D.- boosting his pay to  $120,000 to $160,000  a year or more. So, the opportunities for a doctoral degree holder are wide and varied, but the cost and commitment required are significant. Most experts say you should know your future career plans before you make the commitment. If you know what you want to get out of the degree, then the years of required study and sleepless nights may well be worth the investment.