Finding A Job With A High School vs. College Graduation

Whether you choose to enter the job market with a high school vs. college graduation under you belt can have a very significant impact on the jobs you will be able to do and the amount of money you will be able to make.

According to a report entitled “The Big Payoff: Educational Attainment and Synthetic Estimates of Work-Life Earnings,” a person with a high school degree can expect to earn an average of $1.2 million over the course of their working life, and a person with a bachelor’s degree can expect to earn an average of $2.1 million dollars over the same period of time. The report estimates that people with a master’s degree will earn an average of $2.5 million, people with doctoral degrees will earn an average of $3.4 million dollars, and those who get professional degrees will earn the most, an average of $4.4 million.

That said, all those figures are an average, so it doesn’t mean they are written in stone. There are good-paying careers you might pursue with only a high school diploma. Construction contractors can make a lot of money. So can entrepreneurs, small business owners or investors. All of those careers can be difficult, risky and taxing, but they do offer the possibility for a person to make an excellent living without a college degree.

Then there are good-paying careers that require a two-year technical education such as plumbing, electrician work or nursing. Those careers pay fairly well and offer opportunities for advancement and entrepreneurship.

On the flip side, there are many careers that require a bachelor’s degree (or higher) that do not pay very well at all. To be a teacher, social worker or public interest lawyer, you almost always need an advanced degree. Yet these professions do not offer tremendous financial rewards.

When you are considering going to college in terms of how it will help you make more money, you should think about what type of job you want. If your dream is to become a general contractor, you might be better off getting construction experience, learning skills on the job rather than in a classroom. Or if your goal is to make a good deal of money with only a bachelor’s degree you might not want to graduate with an English, Sociology or Philosophy degree. Choose a more financially rewarding course of study like Engineering or Accounting.

In general, we encourage high school graduates to go on to college. A college degree is viewed as the traditional pathway to success. As stated earlier in this article, the general financial trends support that notion.

However, it is crucial for every person to do what is right for them. Sometimes, opportunities open up when they are least expected. And other times, the most obvious pathway to financial success is less rewarding. We know that people with advanced degrees make more money, but these degrees take time and money to earn. People spend years of their lives and take on a massive debt load to earn these degrees. So, they may make more money, but they will owe a significant portion of that money.

Be sure you know what you want. Have a realistic idea of how to get there, and go for it.


Financing homeschooling

When people talk about teaching their children from home in the absence of any definite or structured curriculum, it is perhaps natural to think that homeschooling is cheap. But this is far from the truth. Although homeschooling does not stick to any particular text, this is perhaps more of a bane than a boon, when it comes to finance.

When you need to make sure that your children receives state-of-the-art education so that they can compete with regular school goers, expenses will naturally mount. The actual cost of educating a child at home is surprisingly high. Up-to-date textbooks, course materials, a library, computing equipment, lighting, specially designed furniture all cost money. In this case, the cost may be slightly lesser when it comes to homeschooling the second child. Add to this any additional tuition cost for tutors who come to teach subjects that cannot be handled by parents, like higher-level math or science. The total cost can be a bit mind boggling.

If you take another important factor into consideration, homeschooling costs may effective triple. The need for having one of the parents tied to the house and fully dedicated to providing education deprives the family of a second earning member. The average homeschooling teacher is usually a lady with a college degree. This means that she can easily bring home a pay of $35,000 or more. It is also interesting to note that most families that have more than 2 children do not opt for homeschooling at all.

But, there are those who have been successful in carrying out homeschooling at low rates. This is dependent on the size of the family, the support group, the type of materials used and the availability of the material. When successive children can reuse the materials, cost goes down. Much of the course material can be
got from vendors of homeschooling materials. A membership in a public library, theater, concerts, ballets and other cultural events also help in cutting costs. Sometimes, it is even possible to barter expertise. For instance, the mother of an 8-year old gives dancing classes, and her daughter receives drawing classes for free. Support groups allow you to divide the cost of field trips, science projects and fairs.

Whatever the cost, advocates of homeschooling say that the benefits far outweigh these considerations. When you are able to decide what knowledge your child receives and when he or she should be taught and to what extent, it gives you a lot of freedom and a lot of power. Both the children as well as the parents benefit from this mutually enriching experience.

Financial and Political Problems Plague the Troubled St. Louis Schools

The 2006-2007 school year for the St Louis schools brings with it a financial deficit and accreditation problems carried over from the previous board majority. Additionally, superintendent Creg Williams’ proposed budget was voted down on June 13, so currently there is no budget for the upcoming school year.

Financial Deficit

The current financial deficit was caused by the state, when it refused to honor its contract with the St Louis schools under the desegregation agreement of 1999. Abruptly during the 2002-2003 school year, the state cut off the funding and flatly refused to honor the agreement to pay the required funding — and has not paid a cent since.

The St Louis schools sued the state and won the lawsuit in circuit court. The state appealed the decision and has been dragging out the process ever since, delaying any decision on the appeal. The total amount in arrears that the state owes the St Louis schools is more than $120 million. This is the sole cause of the deficit for the upcoming school year.

Politics within the St Louis Schools

Adding to the financial troubles are the political problems that began in 2003, when board control of the St Louis schools was taken over by members loyal to Mayor Francis Slay. Voter support that was previously enjoyed by the St Louis schools was almost immediately lost.

There was nearly three years of disastrous performance in the St Louis schools. This majority essentially gave control of the St Louis schools to the New York management, consulting firm they hired, which resulted in the following:

There were three different superintendents within just one budget year;
They closed 16 schools without regard to educational or community considerations, basing their decisions solely upon the recommendations of a Houston subcontractor; and
In the first two years, the learning environment deteriorated to the point of the whole system being exposed to losing accreditation — they lost 25 accreditation points.

Before 2003, the students were making steady academic progress over the previous four years. Additionally, the St Louis schools were close to regaining full state accreditation, falling short by only two accreditation points.

The current St Louis schools board majority gained control in April of 2006.
Though overall improvements are expected in the next few years, the St Louis schools legacy from the last board majority is a poor learning environment, larger class sizes, greater reliance on uncertified substitute teachers, serious student discipline problems, and poor staff morale. What improvements have been made during the short tenure of the new majority have been greatly overshadowed by the problems.

Budget Voted Down

The budget for the 2006-2007 school year proposed by the St Louis schools superintendent was shot down due to its broad spending of nearly $500 million with no coherent, detailed plan of action, oversight or accountability.

Williams must trim down his proposed budget or locate new funding sources to support it, as well as create a detailed plan with oversight and accountability. The St Louis schools board believes that the public, parents and the board have a right to know how scarce monies are being spent.

Currently, the most urgent need for the St Louis schools is a measurable plan for solving the current problems, while providing the greatest possible opportunities for learning within a dependable and stable educational environment.

Film Schools

Film Schools are educational institutions that impart teaching that is necessary for entering the film industry. The schooling provided is sometimes referred to as ‘the artist’s MBA,’ as they encourage the creativity of the students and skillfully it. With its beginnings in the early 1970’s, film schools have now grown to a great extent with an increasing number of schools as well as courses.

The schools provide bachelor, doctoral degree and certificate programs, along with hands-on practical knowledge. Professional film making and production techniques are included in the curriculum. The areas of specialization includes producing, directing, sound and production design, cinematography, screenwriting, editing, acting for film and film-making. These schools are the best options for those who wish to start a career in the film industry.

Traditionally, film schools are classified into three types — independent, industry and experimental. The independent schools provide better choices for those students who want to raise funds independent of the Hollywood system. Here, students are taught to focus on the fundamentals of film-making. In the industry type, training helps the students cope with the standards and structure of the Hollywood film industry. The final type concentrates on teaching the art of film-making, and goes on to encourage students to explore their individual creativity and experimental potential in order to produce unique representations.

Film schools vary from university departments to degree specific schools and online programs. Schools can either be private or public. The government does not usually offer any loans and grants for the students. As a result, studying cost is high in private institutions. Some of the prominent schools in the nation are American Film Institute (AFI), California Institute of the Arts, Columbia University School of the Arts, The North Carolina School of the Arts, and the schools at New York University (NYU), University of California, Los Angeles (UCLA), University of Southern California (USC), and University of Texas at Austin.

Federal School Loan Consolidation: Cutting Through The Red Tape

If you’ve financed your education with a variety of student loans and are now facing a barrage of monthly payments, you may find that a student loan consolidation will work to your advantage. But if your loans are courtesy of the Federal government, you may not be surprised to learn that there is a plethora of regulations for you to follow in applying for student loan consolidation.

FFEL And Direct Consolidation Loans

The US Federal government offers two school loan consolidation options, the Federal Family Education Loan Program, or FFEL, and the Direct Consolidation Loan program. It’s up to you to understand how they differ.

If you have existing school loan consolidations which you wish to combine, the Direct Consolidation Loan Program must be willing to accept them. While some FFEL lenders may accept all eligible all for consolidation, others lenders may accept only FFEL loans. But if an FFEL lender refuses to include your non-FFEL loans in a school loan consolidation, it may offer you an alternative way to consolidate them.

Repayment Options

FFEL school loans consolidations are available with a variety of repayment options. They include the standard, graduated, extended, and income-sensitive repayment plans, and while every FFEL lender offers them, the details of each is different. The income-sensitive option, for example, factors the total student loan debt into the amount of the monthly repayments.

The Direct Consolidation Loan Program, on the other hand, has the standard, extended, graduated, and income-contingent repayment options. The income-contingent repayment option is based on factors including the borrower’s adjusted gross income, family size, and amount of school loan debt.

Even those who have defaulted on an FFEL consolidation loan may be considered for consolidation of their default into a second consolidation, but if you are in this situation you may have to hunt for a lender to accommodate you. The Direct Consolidation Loan Program will also permit the consolidation of defaults, and if you can find a lender who will do it, you will have your eligibility for Federal student loans restored.

The Direct Consolidating Loans Program will permit you to consolidate your loans while you are enrolled as a student, and if you qualify, will give you a six-moth grace period before you must begin your monthly loan payments; applying for consolidation while you are a student may also earn you a lower interest rate. The FFEL, on the other hand, only allows school loan consolidation when you have left school when all your loans have reached their grace or active repayment periods.

Toronto: Within Canada’s Largest City Comes Great Fashion Design Schools

Toronto is often mistaken as Canada’s capital maybe because this capital city of Ontario has the largest population in the entire country. The city prides of a theater scene that can compete against those of New York and London.

Moreover, the city houses the Royal Ontario Museum, which is the largest in the country and its skyline also boasts of CN Tower, the world’s tallest structure. If housing the tallest and large structures is not enough, how about the city serving as hosts to topnotch American filmmakers? Toronto serves as venues of the Neilson Park Creative Center and the Museum of Contemporary Canadian Art.

As an additional benefit, you will realize that the city is bustling with action as most popular attractions are within walking distance. In other words, a short stride will bring you to the waterfront, thousands of hotels, sports venues, along with restaurants that serve fine cuisines, to name a few. Thus, it suffices to say that the city is one heck of a cultural center.

These things show that the city, indeed, support and celebrate the arts, which in turn provide inspiration for the creative minds.

And while referring to arts, it is inevitable that the fashion industry takes a spotlight. Arts and fashion are closely related because of the one concept and that is design. If you are creative, love the arts, and appreciate the dynamism of culture, Toronto’s fashion schools can provide you with the training for the exciting career in designing and the arts.

Why Toronto is a great place for fashion design students?

The Neilson Park Center serves as a haven to the Rugcarfters of Etobicoke, the Etobicoke Handweavers and Spinning Guild for anyone interested in textiles, especially fashion design students.

Aside from this cultural venue, there is an array of opportunities for fashion designers who do not become famous. With artistic talent and creativity, fashion designers can work in a fashion illustration or textile design, work for a garment manufacturer, or get into advertising or even retail purchasing. For business-minded individuals, they can blend their skills in fashion design with courses in business to prepare for a career in management, say fashion wholesale or retail.

The competition among retailers make the city an affordable place to shop, and this fact can be considered as a bonus for starting fashion designers. Also, designers can work their creative minds on designing labels and bottles for rums aside from apparels. This works in Toronto, too.

Now, if you have been dreaming or are already convinced of going to a fashion school in Toronto, you can make it into a reality. Check out a couple of fashion schools in Toronto that provide courses in marketing, fashion design, and merchandising:

1. International Academy of Design and Technology
The school has campuses in Chicago, Los Angeles, and Orlando. They provide program areas and a variety of degree levels designed to fit your unique career track. In detail, they offer:
• Diploma in Fashion Design
• Diploma in Merchandising and Fashion Marketing

2. Art Institute of Toronto

The school focuses on the business and creative aspects of the fashion design industry. The institute also promises that career support shall be available after finishing programs in:
• Fashion Design
• Fashion Merchandising/Marketing

The city is large so you can survey more schools. Your guts and your dreams are all that you need to do to hone your creative self in this thriving city.

Advantages of Attending Fashion Schools

Fashion is where money is. The public has grown so obsessed with Hollywood that encourages the fashion industry to evolve on its lucrative growth. Instant popularity is at hand if you have the right combination of everything (say right choice of endorser, right choice of fashion ideas, innovative and creative sense of fashion and the likes).

Nonetheless, the fashion industry is a hard business to penetrate. You must be equipped with the knowledge and influences that would provide you the maximum exposure you need to deliver your creations into the industry. But still, most of everything is commanded by your brilliance in designing that would give you center stage.

Your talent might be there. It is an innate property that can’t be stolen from you. It is in your own discretion though to let that talent turn into passion. But talent and skills are not enough. You have to undergo formal instructions to be able to hone those special features and direct them specifically towards becoming the best of your self.

This is the basic principle why fashion schools exist and continue to serve budding artists. They provide guidance and supplemental training to drive the artist to achieve with his creations. While online fashion schools have been gathering fame in the fashion industry, this still does not negate the fact that hands-on training and face-to-face instructions can’t be equaled even by the best online degree offers.

Since you are considering entering a fashion school, it is expected of you to be knowledgeable enough on the fundamentals of fashion designing and basic awareness on designing. However, this is not an implication that the student must produce ramp-quality creations initially. Instead, you are expected to bring out the brilliance in simple designs and create concepts that you may have patterned on the works of some great fashion designers or better yet, designs of your own concepts.

Remember that fashion designers only make name in the industry when they have produced something genuinely creative that can cater the present fashion sense while having the originality and good sense of distinction from other fashion trends.

You may not be possessing this nature for the moment. But the thing is, an efficient fashion school could best bring out the brilliance in you and in your creations. Initially, you may be producing rubbish concepts but this would be set off with good learning you have acquired from a formal school.

Some people may contend that even without proper education, an artist can create fashion trends that will be embraced by the public. Yes, that might be true. But remember that there are too few individuals who have made it into the fashion scene with the littlest formal study. Besides, even the trends in fashion change. What may have been true before cant be exactly true now. A formal schooling would update you of the most recent trends and the analysis of past styles that have recreated the industry.

A fashion school, like tertiary education will help you seek out your niche. You might have creative ideas lurking in your mind but these free-flowing ideas would be turned into nothing if not properly directed.

Moreover, the experiences of instructors in the fashion schools would be passed down on you. Thus, you are less likely to fall into the same pitfalls they have arisen from themselves.