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Showing posts with label college. Show all posts
Showing posts with label college. Show all posts

Thursday, January 24, 2013

COLLEGE IS NOT CHEAP BY THE FRUGAL DAD


 
If you are in college or know anyone who is you know that the costs may be outrageous. Here are some information on the costs and how you can pay for college.

There are dozens of benefits that justify earning a higher education, including–but by no means limited to–better employment prospects, access to jobs with higher pay and the broadening of a college student’s social and mental horizons. Even so, approximately one in two high school graduates choose to forgo these potential benefits because they cannot reconcile the cost of the college experience with the bleak reality of the financial situation in which many new college grads find themselves.

There’s no denying that college is outrageously expensive. And, unfortunately, it is only getting worse; while the average family income in the United States grew 147% in the years between 1982 and 2007, the cost of college grew by a staggering 440% in that same period. What that means in terms of real numbers is that the average cost of a four-year degree from a state school is now $30,000. Most American families do not have that kind of money up front, which necessitates that they borrow it from private or government programs that issue student loans. Unfortunately, student loans leave college graduates an average of $20,000 in debt when they finish school. And approximately 10% of graduates will have twice that debt to repay. Collectively, American students owe more than one trillion dollars.

Figures like these, in combination with the fact that only half of all college graduate obtained a full-time job in 2011, are why more than six million graduates cannot pay back their student loans. The economic recession that began in 2008 has made it exceptionally difficult for college graduates to find jobs in their field. The upshot is that students take on lower-paying jobs that do not require degrees in order to make ends meet. Even so, that limited income is, in many cases, not enough to pay back their debt.

One in six default on their loans and a whopping 85% of 2011 college graduates were forced to move back in with their parents after school because they could not afford their own living space. To keep your children from contributing from that statistic, there are several ways to start saving well ahead of the day they move into the dorms:


  • Start when your kids are young
  • Contribute regularly to a savings account
  • Invest wisely in equities
  • Take advantage of 529 College Savings Plans
  • Utilize tax credits for parents of college students
Of course, parents do not have to shoulder the entire responsibility of their children’s education. There are many ways for students to help pay for their own education, including earning scholarships, applying to federal student aid programs and participating in work study opportunities. To make sure teenagers are contributing to their college funds, parents can encourage them to grow their own income by saving money from a part-time job. Remember, saving just $20 per week by making small sacrifices leads to $1,000 in savings over a year. And with college tuition rates steadily increasing, every dollar counts

College Isn't Cheap


College Isn’t Cheap by FrugalDad.com is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License.
Based on a work at  http://frugaldad.com/2013/01/04/college-isnt-cheap.

Friday, October 29, 2010

REVIEW OF ALMOST HUMAN ( FIRST TRILOGY) VOLUME 1 BY M. NOWAK


The Almost Human Trilogy is a paranormal fantasy that involves a vampire and a young woman. They are joined by a cast of characters as they deal with addictions, desire, struggles with abuse, morality, college life and zombies.

Volume 1: Fatal Infatuation
Fatal Infatuation: ALMOST HUMAN ~The First Trilogy~ (Volume 1)

Felicity views going away to college as an opportunity to mature into a confident young woman, but her new beginning turns out to be more of an adventure than she bargains for when she finds that her school is plagued by vampires!

Cain is an elder vampire who displays quiet confidence even as he struggles to overcome sins of his past. Surprisingly, he found that in losing his life he gained his faith and a purpose.

His mission: find the hostile vampires that inhabit this small college town, and educate them to live in peace with humans. Their leader, Sindy, is a wicked temptress who has set her sights on Felicity's new friend Ben. She will be difficult to control, but after meeting Felicity, Cain's most difficult task lies in controlling himself.


My Thoughts-

I have always been a fan of vampires and Ms. Nowak's first volume of the trilogy was great. The way the author alternated chapters between characters was very clever and kept me interested. All the characters were developed nicely and I could feel their emotions. I was unsure of who the good or bad guy was and that kept me thinking throughout the book. I have been waiting for another series similar to the Twilight Series and after reading the first volume, I can't wait to sink my teeth into the other two volumes.There are some unanswered questions that I hope will be answered in the next two volumes but I knew that this was not a stand alone novel before I started reading it. If you like vampires, mysteries and romance this is the book for you.





Disclaimer: I received a copy of the book by the author for my honest review and I was not compensated for my review.

Friday, July 23, 2010

REVIEW OF THE GRAD'S GUIDE TO CHOOSING WELL BY TH1NK

 
The Grad's Guide to Choosing Well: Wisdom for Life on Your OwnThe Grad's Guide to Choosing Well: Wisdom for Life on Your Own explores tough issues and temptations teens and young adults will likely face as they head out for life on their own while offering truth, hope, and inspiration rooted in biblical wisdom.
Using Proverbs 3:5-6 as a foundation for making choices and setting priorities in daily life, this excellent graduation gift encourages young people to seek God’s will, set priorities, and have a deeper relationship with Him. The casual, easy-to-read approach helps them understand the power of the decisions the make today and the impact those decisions can have on who they will become.

About the Author- 

TH1NK is a straightforward, no-fluff, honest approach to books (fiction and nonfiction), Bibles, and Bible studies. TH1NK produces honest (sometimes blunt), relevant, and innovative resources that interact with Scripture to challenge and inspire the hearts of a new generation of truth-seeking disciples of Christ. TH1NK speaks to the independent thinkers of this generation without hype or gloss but with substantive truth to motivate individuals to live out their faith as disciples of Jesus.

My Thoughts-

This little book covers many important topics that include choice, friends, roommates, faith, money and other useful topics. The information presented was concise and included real life stories to help you understand the road ahead after you graduate college. Although I have two more years before I graduate high school,the information presented will be very useful now. There are many challenges that a teenager is faced while in  high school and the book can help you choose the right path to take in life. This is a great gift for any high school or college graduate.







Disclaimer: I was given a free copy of the book by NavPress for my honest review and I was not compensated for my review.

Tuesday, May 18, 2010

GIVEAWAY AND REVIEW OF HIGHER EDUCATION BY K. JEDDING.

Higher Education: On Life, Landing a Job, and Everything Else They Didn't Teach You in CollegeDid you just get out of college recently and said to yourself "What do I do now and how will you pay the bills?" I said that many years ago when I graduated. I did not have difficulty finding a job because back in the 80's (yes the 80's, I am dating myself a bit) there was a shortage of registered nurses and I got a job quickly. In the Higher Education: On Life, Landing a Job, and Everything Else They Didn't Teach You in College by K. Jedding, the author provides a guidebook that talks about the issues that most college grads are facing today. Some topics that he covers include:

1. Interviews- It is important to put yourself out when looking for a job. It is important to network yourself, attend events and go on numerous interviews the closer you will be to getting a great job.

2. Finding your passion- He discusses techniques to clear away any obstacles that you may be having and to spark your inner flame. This will help you find out what you want to do with your life.

3. Frequently asked questions about careers. The author has compiled a list of great questions that most grads will ask when getting out of college.

4. Parents- The author devoted an entire section on the topic of parents and how they can affect the new grads future.

5. And many more interesting topics.

About the Author-

Kenneth Jedding holds a bachelor’s degree in French language and literature, a Master of Social Work and a Master of Education. He has also been a banker, a teacher and a mentor through various programs in New York City and abroad. For 10 years, he has lectured as a career counselor and life coach at colleges and universities across America.

Authors Website
Twitter
Read and Excerpt

My thoughts-

I found the book to be a great reference not only for college grads but for anyone just graduating high school. Some people will not go to college and need to get a job to live in these trying times. The information provided was practical, well written, and  included real life scenarios of people struggling to get a job. The book will assist you in facing the challenges that await you. When I graduated in the 80's, life was not as complex as it is today. I found my true passion as a nurse for over 25 years and I have never once regretted it.

And Now For the Contest-

Thanks to Imran from the Meryl L. Moss Media Relations,Inc I am able to give away a copy of the book.

USA ONLY.



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Contest ends May 29th @12MN Eastern







Disclaimer: I received a copy of the book from the Meryl L. Moss Media Relations, Inc for my honest review and I was not compensated for my review.

Thursday, April 8, 2010

REVIEW OF HOW TO SURVIVE YOUR FRESHMAN YEAR BY HUNDREDS OF HEADS



How to Survive Your Freshman Year (Hundreds of Heads Survival Guides)I graduated from college twenty six years ago but I can still remember my first day. I was only sixteen when I started college and I just started to drive. If I  had read the book, How to Survive Your Freshman Year (Hundreds of Heads Survival Guides) my life would have been easier. Although I never went away to college (I lived 2 miles away), I still remember being scared to death. Most of my friends went away to school and I had to make new friends. The professors were not as forgiving if you missed an assignment and I learned that quickly in my freshman year. This is a survival guide and includes tips from hundreds of college students who went through the transition. It covers topics such as freshman orientation, laundry, what to pack, dorm life, money, dating, parties and how to balance studying with sleeping. I remember staying up till three in the morning cramming for a big test. I was tired the whole day. The book contains little snippets of advice that can make a difference in your college life. Some of the advice given all of us could benefit from and there was some that could get you into trouble like getting a fake ID to get into the hip parties. I understand that all college students will experiment with different things and you cannot be with them all their lives to help them. sometimes they have to figure it out on their own. Hopefully the book will help them along.


"The workload in college is like shoveling snow. If you do a little bit every day, you'll get by. If you wait until everything piles up, it becomes a impossible task."


I have to admit; I have let things pile up and the advice given in the book can make your life just a little bit easier. If you know someone going to college in the fall get them a copy of this great book. They will love you for it.
The website http://www.hundredsofheads.com/ is loaded with information about personal health, family and home and other useful topics. Check it out.




Disclaimer: I received a free copy of the book by The Cadence Group for my honest review. I was not compensated for my review.