請教各位大大...

[Jen-Cheng]

my background

Toefl:250
AT:730
undergraduate GPA:3.8
work experience:14 months (military service)
今年預申請的program: msf

12月底我才剛考完AT，接著申請，發現我可以選的學校剩沒幾所好的大概就uiuc,University of Wisconsin - Madison (QMF),GWU, Syracuse University，在現在申請的過程中，教授希望我可以再往前選一些學校，可是受限於我要念的是msf，不是mba, 且好的學校的deadline就算還沒過，我要準備也來不及了(essay)，現在正面臨決擇是不是還要再等一年，申請2008年(fall)的MBA, 我有幾個問題想請教前輩們
1.沒有工作經驗，念MBA是不是會很痛苦，因為身邊的人個個都是能手
2.無工作經驗，即使我的客觀條件還不錯，申請好的學校，機率大嗎?
3.MBA與MSF，我得知的資訊是，花那麼多錢，到不如念MBA。畢業之後，真的有差很多嗎?

[MarkHsu]

Why don't you start by answering why do you want to study abroad? What aspect of Finance are you interested in?

My personal opinion is that MSF is a waste of time:

--Most finance position in Taiwan is a sales position, which requires experience & personal qualities not academic knowledge. How hard is it to understand how stocks, option or bonds work? Hard part is how to make money in the market.

--What you learn in a MSF program is largely not applicable in the real world (at least not in Taiwan).

--Investment is hard, which is why most people end up in Sales positions anyway.

--Much like a great athlete, a great financier is usually born with talent and practice at their craft. Look at the all the great hedge fund managers, traders & investors, they usually are self-taught.

--Advice is for you to get some hands-on experience in the financial industry before you study for a MSF or MBA. Figure out if this is really want you want.

[Jen-Cheng]

謝謝你的回答，我會再好好考慮