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Glenski

Joined: 15 Jan 2003 Posts: 12844 Location: Hokkaido, JAPAN
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Posted: Tue Jul 11, 2006 9:51 pm Post subject: |
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kim,
I hope the financial information I've given shows that you can indeed pay off such a student loan. I can only emphasize that you're going to have $1000 to play around with every month, and it can go quite easily, even if you don't drink. There are always the following things that you might have to pay off.
emergency medical bills (whatever is not covered by insurance)
cable/satellite TV
magazine/newspaper subscriptions (much higher here for Time magazine, for example, even in the bookstores)
sightseeing related costs (if you have the time)
souvenirs, gifts, and related postage
long distance calls (unless you subscribe to services like Skype)
And, even if you don't drink, you will always be tempted to go out with coworkers or students. You don't have to drink alcohol, but there is often food involved in the bill, so a typical night out could run 3000-5000 yen. Miss the last train home (midnight), and you are looking at double cab fare.
I know a guy who taught and was in a band. He certainly didn't make a heckuva lot playing, and he was often late to work the next day, which made for some very bad relationships at work. Remember that conversation schools in Japan run from noon to 9pm usually, so if you go out to play somewhere, you're going to go out immediately after work after a day of teaching, which can be quite tiring. Playing can mean spending money on drinks, too, and many times the band goes out for coffee or munchies after the gig. More money spent. It's not a very lucrative side business, so I hope you don't get your hopes up too much. Sorry if this sounds negative, but that's been my friend's experience. Moreover, if you are new to teaching, you still have to face students with some sort of lesson plan, and even if the school provides one, you need to be familiar with it and not exhausted from the gig. Many entry level jobs here don't give you the luxury of a Sat/Sun weekend; you may have to work one of those days and get a weekday off for your second day.
Yes, it's very possible to pay off your loans. One more thing to consider is sightseeing. With the hours you get, it is not always easy to get out and explore the new culture you are in. In fact, in Japan you usually get your weekend (which I've described above) and 3 major holiday periods per year, but that coincides with the rest of the country, so you will be free when everyone else (Japanese included) is free. That means trying to travel during the busiest times of the year, when lodging and travel rates double or triple. Cuts a hole in your budget. And, people who arrive in any country are very tempted to explore. If you don't feel inhibited by your surroundings (little to no English, for example), you will certainly want to immerse yourself in it. This can detract from studying the language and being prepared for your classes. Do people manage all that and still have a good time? Sure. This is just a heads up.
Best of luck. |
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JZer
Joined: 16 Jan 2005 Posts: 3898 Location: Pittsburgh
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Posted: Wed Jul 12, 2006 4:28 am Post subject: |
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Well, you live there, so obviously you know better than me. But let's say I have $10,000 in loans for my MA. Student loans generally have a sliding scale for repayment based on what you make. We won't even take that into account though. $10,000 in loans at 6.8% (which is the new fixed rate for student loans as of July '06) would have a minimum payment of $50. To pay it off in 10 years, you would need to pay $115.08 per month. To pay it off in 5 years, the payment becomes $197.07. Of course, these figures are based on a $10,000 loan which could be more or less than I borrow. You can see though, this should be possible for someone in Japan, Korea or the Middle East. |
If you want to go to Korea, you could pay your loan off in a year and be debt free. In Korea, one makes around $2300 a month plus free housing. Your utilities will cost you $100 US a month. You would spend another $200-300 a month on food. If you don't drink you would have plenty of money left over. You also get paid one month's severance pay when you leave. You could save anywhere from $1000-1700 a month. Even if you spend $1000 US a month, you will still save $1000 a month. With a free apartment and not drinking, I don't know how you would even spend $1000 a month. |
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tedkarma

Joined: 17 May 2004 Posts: 1598 Location: The World is my Oyster
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Posted: Wed Jul 12, 2006 10:00 am Post subject: |
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I agree with JZer - in Korea it is HARD to not save. Going out isn't expensive - and you really don't need to watch your money the way you would in Japan.
The formula is quite different - free housing - one month severance - and one month pension refund for each year - so in essence - two months additional wages for each year - paid up when you leave.
I like Japan - and have spent some significant time there. But found I had to watch my spending carefully when I was there.
If I needed to refill my bank accounts - Korea is where I would go. |
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kimcordle
Joined: 23 Mar 2006 Posts: 30
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Posted: Wed Jul 12, 2006 1:50 pm Post subject: |
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Thanks for the advice you guys. Unfortunately though, I either have to finish my BA here or go slug it out in China or Thailand while I finish my degree. I would love to be able to teach in Korea or Japan, but not enough to fake my credentials. I still haven't come up with a concrete plan, but I'm working on it. Thanks again. |
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Cdaniels
Joined: 21 Mar 2005 Posts: 663 Location: Dunwich, Massachusetts
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Posted: Wed Jul 12, 2006 3:22 pm Post subject: |
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Gregor wrote: |
Reality never had to set in because I was realistic from the beginning, as you seem to be. |
I think "reality never set in" for reasons other than being "realistic" from the beginning.
Keep waving your freak flag high, Gregor!! |
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Gregor

Joined: 06 Jan 2005 Posts: 842 Location: Jakarta, Indonesia
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Posted: Fri Jul 14, 2006 2:34 am Post subject: |
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??? |
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Cdaniels
Joined: 21 Mar 2005 Posts: 663 Location: Dunwich, Massachusetts
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Posted: Fri Jul 14, 2006 3:08 am Post subject: An attempt at a gentle insult. |
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It's been few since your previous post, but I'm kiddingly questioning your sanity, Gregor. For some of you guys, "reality" won't ever "set in!"
Let's just say it helps if one is fully prepared for various difficulties.
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Gregor

Joined: 06 Jan 2005 Posts: 842 Location: Jakarta, Indonesia
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Posted: Sat Jul 15, 2006 3:09 am Post subject: |
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Oh.
OK. I guess I get your point.
Still, there are certain types of people who just really take to this sort of lifestyle easily. It takes all kinds to make a world, I guess, and every niche has someone who fits into it very very well. TEFL is mine.
It's too bad that my niche isn't rock star or billionaire, but I don't think we can choose these sorts of things. And maybe it didn't have to be TEFL, but something LIKE it. I don't really know. All I know is that the realities and even difficulties of this job are easier and more pleasant for me to deal with than even some GOOD days as a laborer, or office worker, or even working musician, in my own country.
Perhaps I'd have made as good a foreign correspondant or merchant marine or something. But whatever it is about TEFL, it's almost always been a comfortable and agreeable life for me. So I encourage people to try it out, and people who piss and moan about it will forever mystify me. |
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TheLongWayHome

Joined: 07 Jun 2006 Posts: 1016 Location: San Luis Piojosi
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Posted: Sat Jul 15, 2006 3:19 pm Post subject: |
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Gregor wrote: |
But whatever it is about TEFL, it's almost always been a comfortable and agreeable life for me. So I encourage people to try it out, and people who piss and moan about it will forever mystify me. |
Well said! You also have to have a sense of humour in this industry, as it is essentially ridiculous. |
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JZer
Joined: 16 Jan 2005 Posts: 3898 Location: Pittsburgh
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Posted: Mon Jul 17, 2006 9:27 am Post subject: |
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I agree with JZer - in Korea it is HARD to not save. Going out isn't expensive - and you really don't need to watch your money the way you would in Japan. |
Well if you spend a lot of time in Itawon you can blow some money. I blew about 100,000 won on Saturday. If you stick to Korean traditional bars and drink Korean beer you should never spend more than $20 US a night. That means you could drink 5 nights a week and only spend $400 US a month on alcohol. One could still save $1000 a month+severance+pension refund and drink 5 nights a week. |
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asromacalcio
Joined: 21 Apr 2006 Posts: 54
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Posted: Mon Aug 07, 2006 7:40 pm Post subject: Re: To all of you negative TEFL teachers |
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Nice post.
kimcordle wrote: |
This is sure to upset the apple cart, but I feel something needs to be said. I read these boards a lot and post very little. From what I see, there are a lot of immature, negative, unhappy people in the field of TESOL.
From my point of view, the "newbie" forum is for having questions answered by people who genuinely want to be helpful. However, what I've found is that many current teachers who post on here do nothing but spew their negativity. Do you not have anything better to do in your life than post negativity on the message board? Is your life so empty that you have to resort to being an argumentative jerk and actively seek out people you can make fun of? I feel sorry for you. You are pathetic.
Granted, there are bad things in this industry, as in every industry. I work in the medical field as a hearing specialist for a HUGE corporation, and there are lots of things that suck about it. That doesn't mean that I am going to dissuade people from entering this profession, or make fun and belittle someone simply because they don't have my experience and have questions. It doesn't make the field I'm in a bad one to enter. There are good and bad points to every job, every person, every country, etc.
I see lots of you complain about your wages, but you know what? You are being paid to see the world and experience things most people only dream about. If the money is most important to you, I think maybe it was a mistake for you to choose to teach overseas. If you want the big bucks and benefits, why not go back to your home country to teach?
You made this choice, yet you whine and complain about your position in life. It's a self-inflicted wound my friend, and I don't feel sorry for you in that respect. I make $60,000 a year in a town with a very low cost of living, yet I am planning to leave my position to become a EFL teacher and work for peanuts. Why? Because money isn't that important to me. I want to travel the world and meet new people and learn new things. Those are the things important to me, and they're the things you already have, yet you complain about it.
I'm sure for some of you, the reason for your negativity on the "newbie" forum is to keep people out of the market to have less competition and higher wages for jobs. I can understand your motivation. But there is something called respect for others, and many of you are severely lacking in that department.
My question for you is this: If you're not a newbie and you don't want to be genuinely helpful to those of us that are, why do you insist on posting here? Figure out what's wrong with yourself in your own life that causes you to be so unhappy and negative and deal with it. Grow as a person. Have the desire to be happy. Help people when you can and butt out when you can't or don't want to. It's a simple matter of respect, and you have none.
If this applies to you, you know who you are. |
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amykittin
Joined: 17 Jun 2006 Posts: 10
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Posted: Mon Aug 07, 2006 8:25 pm Post subject: |
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I'm another wannabe for next year so I'm going to open myself up for a hell of a lot of critism too *lol* but on the other hand, I think it's valuable to get the realism from people who have the experience.
I'm hoping that despite working in places here where your degree counts for f. all I've at least got the education on my CV should things fail and I have to return back to Manchester, but truth be told I'd rather try another job and place before having to do THAT *lol*. I'm hoping that this will be my thing, you don't know unless you try it, but I do need something where I'm dealing with people instead of computers. If things were to fail then I think I'd still like to look at the PGCE - I like trying to help people :O)
I'm going over to Turkey because I just feel more relaxed and at home there, I've not felt settled here for christ only knows how long. I'm getting to the point of being debt free now and while I am young enough to take a chance (doing it before turning 30 something!) I am going to if there is the remotest possibility that I'll be happier. It's not going to be a bed of roses, the language barriers (I have the basic foundations but they talk so FAST over there!) and moving to a much bigger city than Manchester, but coming onto these forums do give you a good idea of what to expect.
To be honest I think the only thing I really miss on here is that there seems to be little clarity (for Turkey anyway) on what IS and ISNT a good salary. There seem to be conflicting posts!!!! For example, if all you can get is 1500 YTL you can do better - vs - tell me where does give better that 1500 YTL. I'm just a wee bit confused *lol* the only things I've seen advertised are around the $850-$1000 mark!!!
In any case - a big THANK YOU to all the posts positive and negative! You have to take all of this to give you a realistic picture.
Ames |
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thrifty
Joined: 25 Apr 2006 Posts: 1665 Location: chip van
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Posted: Tue Aug 08, 2006 3:12 am Post subject: |
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Bottom feeder language school=850-1000 dollars a month with nothing guaranteed and no accomodation.
Forget your cv-put anything you like down because it counts for nothing if you want to do a pgce. |
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amykittin
Joined: 17 Jun 2006 Posts: 10
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Posted: Tue Aug 08, 2006 6:36 am Post subject: |
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I have no doubts about that, but I decided to follow the uni route a long time ago and I've just reached the end of it - so whatever I end up doing it's there and for the time being I can concentrate on something a little more rewarding! Who knows where it'll lead me!
I'm assuming there are options around Ankara apart from bottom feeder schools - but as I'm going over part way through the academic year I think as long as I've something coming in I'm happy. Interestingly I thought Best English fell into that category and they're throwing in free accom so I guess there are different categories of bottom! <queue the shake your little ass theme music> If I come out with positive income it's a bonus!
Ames |
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elenai12
Joined: 05 Nov 2006 Posts: 20 Location: NEW YORK
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Posted: Sun Nov 12, 2006 3:44 pm Post subject: |
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hi, kim,
from what i've learned - i can tell you one thing - to find out if you are cut for the teaching job - go to any public school in us as a teacher' assistant - you'll be at the lowest end in the paying chain and get all the grants you want, and you'll get the touch you need to know if you are ready to teach.. it's not easy to be a teacher..
somebody mentioned and i agree, that with your backgroung it's a good idea to go for SLP (speech-language pathologist) there are unis that give dual program(ba/ma) and the job is both interesting and rewarding(in terms of money, too- they get $65 per 1/2 hour)
good luck
elena |
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