ZOOLOGY - By: Katie Smith
Zoology: the branch of biology that deals with animals and animal life, including the study of the structure, physiology, development, and classification of animals.
Zoologists and Wildlife Biologists
2010 Median Pay: $57,430 per year or $27.61 per hour.
Entry-Level Education: Bachelor’s degree
Number of Jobs, 2010: 19,800
Job Outlook, 2010-20: 7% (Slower than average)
Employment Change, 2010-20: 1,500
What Zoologists and Wildlife Biologists Do: Zoologists and wildlife biologists study the characteristics and habitats of animals and wildlife.
Work Environment: Zoologists and wildlife biologists work in offices, laboratories, and outdoors. Most zoologists and wildlife biologists work full time.
How to Become a Zoologist or Wildlife Biologist: Zoologists and wildlife biologists need a bachelor’s degree for entry-level jobs, but a master’s degree is often needed for advancement. A Ph.D. is necessary for most independent research and for college teaching jobs.
Pay: The median annual wage of zoologists and wildlife biologists was $57,430 in May 2010.
Job Outlook: Employment of zoologists and wildlife biologists is projected to grow by 7 percent from 2010 to 2020, slower than the average for all occupations. More zoologists and wildlife biologists will be needed to study the impact of human population growth and development on wildlife and its habitats. (http://www.bls.gov/ooh/life-physical-and-social-science/zoologists-and-wildlife-biologists.htm)
10 Question Interview:
1. How much time does a Zoologist actually spend with animals? Zoologists spend a majority of their time either with the animals studying them, taking care of them, or doing scientific studies about an animal. 2. Do you feel that being a Zoologist counts towards making a positive difference? Yes because I get to teach and help inspire others to care about animals and see the importance in preserving them. 3. Is the salary worth the time and efforts put in, unless of course you love entirely what you do ? Yes, the pay is moderately decent and with more education comes a higher salary. 4.What is a day in the life of a Zoologist?5. Do you ever get the chance to go on research expeditions?6. Sometimes when necessary do you help nurse sick animals back to health? 7. Have you met people in your field that have similar interests, skills, goals and aspirations for truly helping animals?8. Do you do environmental/climate research when studying animals and their natural habitats?9. Where do you publish your scientific journals/data and observations for scientific peer review? 10. Does your job come with healthcare benefits and such?
Requirements for the job: Every zoo employee must first and foremost love animals. Beyond this requirement, a bachelor’s degree in a biological science is the best way to prepare to work in a zoo. Courses in subjects like zoology, anatomy, and virology are a good idea. http://www.princetonreview.com/Careers.aspx?cid=166
Tuition fees for an undergraduate majoring in Zoology: $2,736.00 per semester. There are upper and lower divisions of this degree. http://www.csulb.edu/divisions/aa/catalog/2011-2012/cnsm/biology/biolbs07.html
What Is A Buyer's Home Inspection?
It is a visual inspection of the structure and components of a home to find items that are not performing correctly or items that are unsafe. If a problem or a symptom of a problem is found the home inspector will include a description of the problem in a written report and may recommend further evaluation. Before you close, you need to consider whether or not repairs are needed now and who's going to pay for them. http://www.homegauge.com/buyerseller/whatishi.html
Escrow: es·crow /ˈeskrō/ Noun
A bond, deed, or other document kept in the custody of a third party, taking effect only when a specified condition has been fulfilled. (Google)
A bond, deed, or other document kept in the custody of a third party, taking effect only when a specified condition has been fulfilled. (Google)
- 3982 Arey Dr - San Diego, CA 92154 (Otay Mesa West)
- 3 bed, 2 bath, 1,175 sqft, Single-Family Home
- For Sale / Resale: $120,000
- 3 bed, 2 bath, 1,175 sqft, Single-Family Home
Property Taxes for 3982 Arey Dr
Year Value Land Improvements Total Tax 2012 Assessed $155,874+$128,522=$284,396$3,165
Mortgage Rate
$538 / mo
Estimate your monthly payment
Price:
Down payment: % ($24,000)
Loan amount:$96,000
Interest rate: %
Taxes & insurance: % ($104/mo)
Est payment:$537/mo
Based on a 30 year fixed loan
http://www.trulia.com/property/3106571027-3982-Arey-Dr-San-Diego-CA-92154
Estimate your monthly payment
Price:
Down payment: % ($24,000)
Loan amount:$96,000
Interest rate: %
Taxes & insurance: % ($104/mo)
Est payment:$537/mo
Based on a 30 year fixed loan
http://www.trulia.com/property/3106571027-3982-Arey-Dr-San-Diego-CA-92154
I want to become a Zoologist because I really love animals. Working in this field I would use my creative problem solving skills while being consumed in nature. I would love doing it because I know I would be impacting the animals and the people I inspire. The education will help me teach others about the role and importance of animals. Another reason I chose this is because I don't want to work so much that I can't have a happy life on the side.
I chose this house because it was decently priced for my average income. It's location fits my desires for working as a wildlife conservationist for a zoologist at the San Diego Zoo. It has three bedrooms and two baths. When I grow up and settle down with a family, this would be the perfect home to raise them in. Everyone needs a house to live in so I chose this one.This location is important for me because I probably should live in San Diego if I'm aspiring to work at the local San Diego Zoo. It's basic knowledge that I want to stay close to my family and friends while California has the best of all kinds of natural wildlife locations. It's important to me.
The housing market in San Diego is better but I don't need to ask my mom to know how bad it was a few years ago. We owned a house in Alpine but it foreclosed due to the economic down turn. We weren't able t buy much groceries, and there were a lot of people living within the household. It wasn't fun, but the price of this house is very cheap for the possible sales price is almost double. If the housing market in San Diego keeps improving, I could possibly buy it and sell it back for more in the future.
At a younger age renting always seems more desirable but honestly the more money you put towards that, the less you're saving towards buying a home. It's simple and it's a basic option until you have enough money saved for a down payment. Saving is always a tough thing for young people, I must be responsible and start saving for my future home now. I don't want to rent something, I want to own it.
Vocabulary - http://library.hsh.com/articles/more-tools-resources-and-info/mortgage-basics/the-homebuyers-vocabulary
Agreement of Sale: Known by various names, such as contract of purchase, purchase agreement, or sales agreement according to location or jurisdiction. A contract in which a seller agrees to sell and a buyer agrees to buy, under certain specific terms and conditions spelled out in writing and signed by both parties.
Binder or "Offer to Purchase": A preliminary agreement, secured by the payment of earnest money, between a buyer and seller as an offer to purchase real estate. A binder secures the right to purchase real estate upon agreed terms for a limited period of time. If the buyer changes his mind or is unable to purchase, the earnest money is forfeited unless the binder expressly provides that it is to be refunded.
Closing Day: The day on which the formalities of a real estate sale are concluded. The certificate of title, abstract, and deed are generally prepared for the closing by an attorney and this cost charged to the buyer. The buyer signs the mortgage, and closing costs are paid. The final closing merely confirms the original agreement reached in the agreement of sale.
Commission: Money paid to a real estate agent or broker by the seller as compensation for finding a buyer and completing the sale. Usually it is a percentage of the sale price--6 to 7 percent on houses, 10 percent on land.
Conventional Mortgage: A mortgage loan not insured by HUD or guaranteed by the Veterans' Administration. It is subject to conditions established by the lending institution and State statutes. The mortgage rates may vary with different institutions and between States. (States have various interest limits.)
Easement Rights: A right-of-way granted to a person or company authorizing access to or over the owner's land. An electric company obtaining a right-of-way across private property is a common example.
Escrow: Funds paid by one party to another (the escrow agent) to hold until the occurrence of a specified event, after which the funds are released to a designated individual. In FHA mortgage transactions an escrow account usually refers to the funds a mortgagor pays the lender at the time of the periodic mortgage payments. The money is held in a trust fund, provided by the lender for the buyer. Such funds should be adequate to cover yearly anticipated expenditures for mortgage insurance premiums, taxes, hazard insurance premiums, and special assessments.
Foreclosure: A legal term applied to any of the various methods of enforcing payment of the debt secured by a mortgage, or deed of trust, by taking and selling the mortgaged property, and depriving the mortgagor of possession.
Mortage Insurance Premium: The payment made by a borrower to the lender for transmittal to HUD to help defray the cost of the FHA mortgage insurance program and to provide a reserve fund to protect lenders against loss in insured mortgage transactions. In FHA insured mortgages this represents an annual rate of one-half of one percent paid by the mortgagor on a monthly basis.
Special Warranty Deed: A deed in which the grantor conveys title to the grantee and agrees to protect the grantee against title defects or claims asserted by the grantor and those persons whose right to assert a claim against the title arose during the period the grantor held title to the property. In a special warranty deed the grantor guarantees to the grantee that he has done nothing during the time he held title to the property which has, or which might in the future, impair the grantee's title.
Agreement of Sale: Known by various names, such as contract of purchase, purchase agreement, or sales agreement according to location or jurisdiction. A contract in which a seller agrees to sell and a buyer agrees to buy, under certain specific terms and conditions spelled out in writing and signed by both parties.
Binder or "Offer to Purchase": A preliminary agreement, secured by the payment of earnest money, between a buyer and seller as an offer to purchase real estate. A binder secures the right to purchase real estate upon agreed terms for a limited period of time. If the buyer changes his mind or is unable to purchase, the earnest money is forfeited unless the binder expressly provides that it is to be refunded.
Closing Day: The day on which the formalities of a real estate sale are concluded. The certificate of title, abstract, and deed are generally prepared for the closing by an attorney and this cost charged to the buyer. The buyer signs the mortgage, and closing costs are paid. The final closing merely confirms the original agreement reached in the agreement of sale.
Commission: Money paid to a real estate agent or broker by the seller as compensation for finding a buyer and completing the sale. Usually it is a percentage of the sale price--6 to 7 percent on houses, 10 percent on land.
Conventional Mortgage: A mortgage loan not insured by HUD or guaranteed by the Veterans' Administration. It is subject to conditions established by the lending institution and State statutes. The mortgage rates may vary with different institutions and between States. (States have various interest limits.)
Easement Rights: A right-of-way granted to a person or company authorizing access to or over the owner's land. An electric company obtaining a right-of-way across private property is a common example.
Escrow: Funds paid by one party to another (the escrow agent) to hold until the occurrence of a specified event, after which the funds are released to a designated individual. In FHA mortgage transactions an escrow account usually refers to the funds a mortgagor pays the lender at the time of the periodic mortgage payments. The money is held in a trust fund, provided by the lender for the buyer. Such funds should be adequate to cover yearly anticipated expenditures for mortgage insurance premiums, taxes, hazard insurance premiums, and special assessments.
Foreclosure: A legal term applied to any of the various methods of enforcing payment of the debt secured by a mortgage, or deed of trust, by taking and selling the mortgaged property, and depriving the mortgagor of possession.
Mortage Insurance Premium: The payment made by a borrower to the lender for transmittal to HUD to help defray the cost of the FHA mortgage insurance program and to provide a reserve fund to protect lenders against loss in insured mortgage transactions. In FHA insured mortgages this represents an annual rate of one-half of one percent paid by the mortgagor on a monthly basis.
Special Warranty Deed: A deed in which the grantor conveys title to the grantee and agrees to protect the grantee against title defects or claims asserted by the grantor and those persons whose right to assert a claim against the title arose during the period the grantor held title to the property. In a special warranty deed the grantor guarantees to the grantee that he has done nothing during the time he held title to the property which has, or which might in the future, impair the grantee's title.
Bibliography/Work Cited
Video
YouTube. YouTube, n.d. Web. 21 Mar. 2013.
Job Salary Information"Summary.
" U.S. Bureau of Labor Statistics. U.S. Bureau of Labor Statistics, n.d. Web. 21 Mar. 2013.
Occupation Information"Career: Zoologist." Zoologist. N.p., n.d. Web. 21 Mar. 2013.
"Biology." CSULB 2011-2012 Catalog. N.p., n.d. Web. 21 Mar. 2013.
"What Is a Buyer's Home Inspection?" What Is A Home Inspection. N.p., n.d. Web. 21 Mar. 2013.3982 Arey Dr San Diego, CA 92154." 3982 Arey Drive, San Diego CA. N.p., n.d. Web. 21 Mar. 2013.
"The Homebuyer's Vocabulary." The Homebuyer's Vocabulary. N.p., n.d. Web. 21 Mar. 2013.
Video
YouTube. YouTube, n.d. Web. 21 Mar. 2013.
Job Salary Information"Summary.
" U.S. Bureau of Labor Statistics. U.S. Bureau of Labor Statistics, n.d. Web. 21 Mar. 2013.
Occupation Information"Career: Zoologist." Zoologist. N.p., n.d. Web. 21 Mar. 2013.
"Biology." CSULB 2011-2012 Catalog. N.p., n.d. Web. 21 Mar. 2013.
"What Is a Buyer's Home Inspection?" What Is A Home Inspection. N.p., n.d. Web. 21 Mar. 2013.3982 Arey Dr San Diego, CA 92154." 3982 Arey Drive, San Diego CA. N.p., n.d. Web. 21 Mar. 2013.
"The Homebuyer's Vocabulary." The Homebuyer's Vocabulary. N.p., n.d. Web. 21 Mar. 2013.