is it usually the case in the U.S. that undergrads (who intend to pursue PhD) go straight into PhD? you're right user_name, i forgot that in majority of canadian PhD programs one must hold a Master's first. but if i do end up doing a Master's, i will probably have to wait until i finish my coursework and then apply (unless i limit myself to canadian programmes), as opposed to applying halfway through the year.. which means 2 more years before i even apply for a PhD.
i would love to apply straight into a PhD, but i don't think i am ready.. nor do i have the funds.
i will have to think more about this.. thanks a lot for your opinions and advice i really appreciate them.