@ sis Lina507: Congratulations on your achievements; we're never too old to study. Go...Go... for your Master's degree. It depends on how many years left to use it before we retire. I got mine when i was 46 but got tired of teaching after 5 years and started my own business. Now, although retired i still got to take a course to help me serve better in my present position on the corporation board. Hope to inspire all you admirable ladies who are hesitating to continue studies. My children and grand-children can't beat me.......God Bless...