So you’ve decided to apply to a PhD program, and are now trying to figure out a best path forward. It can be an extremely stressful time as you balance finishing classes, finding and applying to programs, and work. I was finishing up my master’s thesis during the application period, while also working part-time to save up for the eventual move. I’ll give you some of my strategies on how I applied to PhD programs as a first-generation international student. Decide on a research area A PhD program will train you to do original research in your area of interest. Your first year will usually consist of taking graduate courses related to your area of research. You will learn to conduct literature review, find the gap in your area of interest, develop research questions you want to answer, conduct experiments to answer those questions, and write and defend a dissertation

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You may or may not have heard of a Roth IRA before. So I wanted to walk you through what it is, how to open an account, and why everyone should invest in one.  What is an IRA? OK, first let’s talk about what an IRA is. IRA stands for individual retirement account. The first IRA in the US was created in 1974 as part of the Employee Retirement Income Security Act, and is known as the traditional IRA. The second type of IRA is known as the Roth IRA, and was introduced in 1997 as part of the Taxpayer Relief Act. You can contribute to either or both, but it cannot exceed the IRS limit when combined, which is $6000 for 2021. Also, you cannot contribute more than you’ve earned that year. If you are 50 or older, you can contribute $7000 total. The deadline to contribute to any

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