Hi there! a little background about me: 1. final year in bsc physics, malaysia. 2. working on DFT as final yr project (err.. lots of programming involved) 3. like math and how we apply it in physics. 4. have no idea which field of theoretical physics to go into. questions: 1. Is it wise to get a masters right after my degree; or should I work first? 2. Suggestion of universities which offer good masters/phd in theoretical physics. I'm thinking of singapore: NUS. Finance was one of my concern also. Does TA/RA cover most the expenses incur? 3. I was also wondering about prospect of theoretical physics. I guess I should know that other than researches/universities, I won't be going anywhere. Perhaps I was wondering if anyone actually did went into other fields like programming or finance after phd in theoretical physics? (well recalling that we have good programming & math background). well of course that's for worse case scenario. 4. any field of particular interest in theoretical physics I can consider?