I am new to this Forum and wrote a similar message on another thread to someone that works for Watson Wyatt(so I apologize if I am redundant). I live in the Philly area and just decided after some serious thought two months ago to become an Actuary. I have no exams passed(which I know is a big negative) but have the desire, passion and skill set to make this change happen. I have experience in accounting(auditing), sales, and management and feel I am analytical and very proficient in Math. But, more importantly, I enjoy performing math and analytical related tasks. I would always score among the highest grades in my Calculus, Statistics(my colllege teacher who I became friends with thought I was crazy with how much I got into solving the problems and he mentioned this field. So I do regret not making this decision a long time ago. I just got caught up being '''ed by the big accounting firms and their very early job offer), Finance, and Accounting/Cost Accounting classes. Now I am aware that you don't necessarily sit at a desk performing complex Probability questions but I feel that the application of these skills will be what I will eventually be doing. Maybe I am wrong? I took/changed positions in the past to increase my wealth but lost that satisfaction that comes with a rewarding career(passion). I want to have career satisfaction; through a career that has: a sense of accomplishment, challenging, and rewarding. I think the Actuarial field gives me all these things. I applied with one company where I have several references. It doesn't seem that they require to have any parts passed because they have a special program. I also applied with a few other companies before reaearching the information on these forums(so I am pretty sure I won't be called). Anyway, maybe I could talk to someone on this forum in the Philly area and pick your brain. I'll treat for lunch or just chat over the phone or email. I have stayed in all weekend entering profiles and resumes on various sites(thru googling Actuary and Insurance jobs. I don't think I am wasting my time but I know I can be more efficient. That is why over the next week I will spend all my free time finding answers to my questions. Maybe I should put the brakes on or only apply with companies that will consider me w/o any exams passed??? I would hate to wait to interview until after May when the next exam comes. Thank You! Have a Happy New Year!!! Sorry for long post