Debt Validation is a process of someone challenging a debt collector (collection agency or attorney) to provide written proof of the debt. Why You Should Care About Debt Validation? Have you ever wondered why a collection agency is legally allowed to collect your debt on behalf of the original creditor? Think of it in these […]
We think it’s important that you understand the bigger picture as to why scholarships have become so essential to the majority of students who want to graduate with a college degree and why it’s imperative that you understand that scholarships can be vital to your post-college success. Here are the top five reasons why you can’t afford not to apply for scholarships now.
According to The National Center For Education Statistics, in 1984 the average tuition price of a 4 year institution was $4,747. As of 2014, the cost for the same was $24,706. Wow. As you can see, in 1984, it was entirely possible for a student to work their hardest and come quite close to covering the cost of school. But today, it isn’t even remotely possible today. According to my math, the maximum hours that a full time student could work would be 30 hours a week. With 52 weeks a year, that is 1,560 working hours a year. Keep following me… with tuition being on average $24,706 a student would need to make $15.84 an hour. Now lets just pause and think about that for a second; who on Earth is going to hire an 18 year old college freshman and pay them $15.84 an hour? Much less the amount of money that they would have to pay them to also cover the cost of their food, housing, utilities, and other expenses of the average human. That would be minimum of $20 an hour.
Now with all of that in mind, its making scholarships look more and more crucial isn’t it?
Living at college is a whole other ball game than living anywhere else. Students pay an arm and a leg just to have a place to lay their head and a freezer to store their pizza rolls. Rent can be anywhere from $600 to $1500 a month for the most basic of living spaces in a college town. And on-campus housing isn’t any more forgiving. Dedicating time to searching for the right scholarships or grants can be a life saver for your wallet and your future.
Although it looks like America may have weathered the recession (let’s hope), many states are still struggling from the economic slump and most have made large cuts in public service funding, including higher education. As a result, public colleges and universities have increased tuition, meaning you’re probably going to pay more now.
One quarter of the U.S. population—70 million people—owe a collective $700 billion in student loan debt. Sounds like a lot, doesn’t it? It is. According to the Institute for College Access and Success, the average college graduate has acquired $24,000 in student loans by the time they graduate, and that figure is likely to increase.
Now that you fully understand the serious nature of this, don’t lose hope. There are resources for you to get the scholarships and grants that you need. The Sub Prime Credit Store’s experts will connect you with every available scholarship and financial resource in your state as well as National government agencies, local grants and scholarship funds. With their help, going to school won’t be an obstacle, but an opportunity.
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“That’s my life break, Sweetie…” the stay-at-home AND work Mom says to her preschooler…who doesn’t know the bells, the lines, the sit and eat real fast paced, wolf like, on your foam plates or out your squishy box… Or the adult version…sit in your cubicle and wait in line for the microwave and eat at your desk while you do….
That preschooler might go to school and be shocked that you cannot put your feet up, hold your plate to your chin lean back and take a…life break. Like, “What teacher? I cannot do my math right now…I have to do math during math time? And I’m hungry now but at lunch time? I have to use the restroom right now, and there it is…far away, but I have to ask you?”
If you take a merely a lunch break you are probably (now this not testable or provable at all) shaving years off your life and cutting your productivity at work down by oh, let’s say, half.
You cannot look at a screen all day and through lunch, and at home on your Netflix and not be a zombie. The eye strain…the brain hypnosis…human droids lacking empathy, forgetting how to express emotion and read it on the face of another – a key in compassion.
You are a more compassionate person if you soak in your breaks.
Did you know people are click, clicking (working) so hard these days that is common for people to eat at their desk. In front of their computer. Eww. That’s sad.
“If I didn’t eat lunch at my desk I wouldn’t have eaten.” Do you know this life?
Listen to this oldie but goodie: Michelle Branch, Breathe
What you would want for your ideal ‘life break’ varies we’d expect from what another person desires. One thing is for sure: breathe deeply, people. It’s proper. It’s PC. It’s best-soul-with-a-body practice. Here is an article that’s well worth your while, for your work productivity and longevity.
If at all possible, get away from your desk at lunch time. Treat yourself nicely. Sit in the sun, chew slowly, relax and live the good life of nice smooth digestion.
Proper breathing eliminates toxins 15% faster than common breathing. Fortunately you could learn proper breathing from your desk, between bites. Plus, you have no choice in the matter. You have to be breathing.
Might as well optimize your breathing skills, and happiness just may follow, flow, in and out.
Perhaps you can take a “life break” lunch break while you rest peacefully between bites and let your mind unwind – wander -focus on your breath – this is called mediation.
Meditation – it just might be the answer to world peace.
Try proper breathing, hydration, sleep, nutrition and exercise FIRST, then ask yourself this question:
If it’s nothing – after you’ve checked off the basics…then…it’s time to find another career.
How about a career change? Have you ever considered it?
Lost in the day to day grind it can be hard to remember who you are and what is best for you – especially if you are running around surviving, not thriving. Sometimes you are thriving and something is missing because your career doesn’t fit you.
A deep understanding of yourself gives you the emotional intelligence and tools to make better decisions… like which career, where to get the training and how to pay for it…
“Good type development can be achieved at any age by anyone who cares to understand his or her own gifts and the appropriate use of those gifts,” said Isabel Briggs Myers
From that simple idea burst forth a personality test highly accurate and wide spread, helping our specialization of tasks AND maximizing our happiness in our jobs…
Each two concept spreads an area of life into a spectrum. For example, you could be 100%E or 100%I or 0%E/I.
Do you get your energy from being with people? In crowds? Or just small groups? Does it have to be close friends only? Do you prefer to be alone most of the time? Do you like to listen to podcasts, or books on tape? Do you like silence and are really happy going days without speaking?
Are you using your 5 senses to guide your decisions, thoughts and experiences? How aware are you of each sense? Do you have a 6th sense? Do odd feelings, ‘I just know’, guide your decisions, thoughts and experiences? Is it a good mix of both or one over the other?
Do you value objective facts or subjective concerns? Do you remember things with a hazy of emotion or do you recall the stats? Do you feel first and then have thoughts reacting, assigning meaning to them…or do you have thoughts that lead to emotional reactions? Do you prefer and/or deliver the “hard truth” or do you value harmony and tact?
How do other tend to see you? Do you prefer to have plans or leave things more open ended? Do you appear to be task oriented or taking things as they come to you?
The idea of switching jobs can be like a cobweb in your head, tormenting your dreams like your current job is a vampire sucking your lifeblood right out of you. It’s hard to admit, too. That urge and unhappiness can be a secret you carry.
Baby boomers held a culture where it wasn’t common to switch careers much. You put in your years, worked hard and tried your best…keep your job woes in the deep caverns of your heart. Rebellion is so natural and these days millennials are job hopping, especially in their 20’s and 30’s.
You probably did a fair amount of work to get to your current job. The irony is that statement is fascinating. Marinade in it for a moment. We do work that we pay for…to get work where we are paid. Great.
Personally, I have nearly 60,000 in debt for a B.A., and if I take that career track my degree gets me a starting salary of: poverty with a dependent. How in the…
At 18 I was thinking about altruism and meaning; not a paycheck. To admit “this isn’t IT for me” is painful, brimming, dripping with shame, embarrassment…It’s like saying, “I was really wrong…”
The voice of self-doubt says, “Since you were wrong, why do you think all of sudden YOU can make a better career choice?” The Vampire of my nightmares – is myself, standing in my own way.
I wasn’t wrong. I am on a journey.
Truly though, this is a natural economic process. Your unhappiness will eventually, hopefully sooner than later, lead you away from needless suffering and your happiness (or demand for) will lead your towards something that is BETTER for you; a.k.a. self-interest.
“Follow your bliss,” says Joseph Campbell (1904-1987).
Americans are notorious for being product oriented. The quickest way to a goal is a straight line, point A to point B and a lot of weight on B, the result. “All’s well that ends well,” says Shakespeare (1564-1616).
No wonder…in a consumerist, capitalist society we value hard work and innovation and profit. Our language, English, is after all a commerce based language. It’s in the roots.
Truly, life is a journey to be enjoyed through and through…not a means to an end. Your worth is not based in what you do, what you do is not who you are…
Feelin’ your self worth…feel out these careers – that on paper – have the best end goal for the pains of the journey.
Here’s a list of quick career changes from Monster.com. Maybe getting out of your current job-hell needs to happen. Maybe you need a job to pay for more education so you can get the A-list job. See this B-listing of careers.
Remember it’s not a point A to point B world…and getting a B job, pays for the A job training, just a little meander…
This career change you dream of isn’t going make things smooth as butter, probably. Any change, even the best changes: new baby, marriage, moving…have stress attached to them. This site Mind Tools has a helpful tool for us: categories and vocabulary. Understanding and talking about what we experience is cathartic…it’s also control coping, which is better. Read:
“Researchers Mel Fugate, Angelo J. Kinicki, and Gregory E. Prussia argue that there are two major types of coping strategies: “control coping” and “escape coping”.
- “Control coping” is positive and proactive. You refuse to feel like a victim of change, instead you take charge and do whatever you can to be part of the solution, including managing your feelings.
- “Escape coping” is based on avoidance. You experience thoughts and emotions, or take specific actions, that help you avoid the difficulties of change. For instance, you might deliberately miss training classes, or show up too late to attend a meeting about the upcoming change.”
Insurance is kind of like flossing. Everyone knows you should do it, but rarely people actually do. Now that is definitely not a safe way to think about insurance, the thing that could keep you and your family safe in the face of tragedy, but it is the sad reality. It may just be a […]
The traditional way of filing taxes used to be so complicated, tedious, and time-consuming, but with the modern ways these days it is possible to effectively file taxes within a shorter amount of time. Since there are programs and tools that makes tax filing so much easier these days, it is now possible to have […]
Budgeting is the process of creating a plan to spend your money. This spending plan is called a budget. Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do. If you don’t have enough money […]
Getting strapped for cash is the worst. But when you are in that situation, it is difficult to know what is the right route for you and your wallet. When you need to borrow money to cover an expense, you might consider a credit card or a personal loan. Deciding which is better depends on […]
Get That Monkey Off Your Back, Give It All Your Money If you research “how to get out of credit card debt” – You’ll find a few articles titled something about the 6 ways to get out of debt. We know the truth…the only way to get out of debt is to pay it off. […]