There have always been sceptics about the value of higher education. The recession and the way that the information technology sector has shaped and opened up the job market have not exactly helped. The cost of tertiary study can be epic and when you add to this IT role models like Steve Jobs and Mark Zuckerberg who never completed university, things are not necessarily propelling people towards undertaking a 4 year degree.
But the message to emerge out of the current recession, according to economists at the Federal Reserve Bank of Minneapolis, is that if you want to keep your job, if and when it happens again, it´s better to be well-educated than well-paid. In 1973, only 28% of jobs required a post-secondary education, but in 2008 that figure was 59%. Georgetown University Center on Education and the Workforce scholars say this number will increase to 63% within the next decade. In 2008, the median salary of a college graduate with a Bachelor of Arts was $55,777 USD, compared with $33,800 for those who are only high-school educated. The figures for unemployment percentages follow suit, with almost double the number of high-school only graduates unemployed compared with college graduates.
Jobs in the IT industry increased by 4.3% in the last year, and while a select few made it without higher education, about 86% of the industry has some form of tertiary study behind them.
As a college student, you understand and value the importance of your physical fitness and emotional well-being. But are you as fiscally fit as you are physically and emotionally? It may be time to learn “fiscal fitness” now for a lifetime of financial wellbeing.
Fiscal fitness means practicing smart money management techniques. Decisions you make about handling your money before and during college can have a huge impact on your future. Before making major financial decisions, educate yourself about options and be consistent in making informed financial decisions. Learning good personal finance skills now can help you reach your goals and find success sooner. Your life goals are important, and we want to make sure you have the money to make them a reality.
Organize your files. Creating a paper and/or electronic filing system will make paying your bills on time and meeting deadlines easier. Record keeping also helps avoid potential disputes-disagreements regarding whether the terms you agreed to with banks, stores, or friends have been upheld including timing of payment and amounts. You’ll also want to keep records for tax purposes.
Make a budget and stick to it. A budget is just a self-imposed guideline for how much money you can spend and what you can spend it on. You will be amazed at how much farther your money goes when you have a budget. Life is unpredictable, so don’t forget to allocate money for unexpected expenses in your budget.
Buy used books. Many students and their parents are shocked to learn how much textbooks cost. They can average $1,000 a year. Most campus bookstores sell used books that can help reduce this cost. You might also save money by buying or renting textbooks online.
Leave your car at home. Cars cost more than just gas money. Don’t forget about insurance, parking (and parking tickets!) and repair expenses. Walk, use public transportation, and/or ride a bike. You may also want to arrange a carpool with friends if public transportation isn’t available.
Watch the ATM fees. They can add up quickly. Look for a bank with free ATMs near your school.
Choose the right meal plan. An unlimited plan may be tempting, but you might be satisfied with a less expensive plan. Also, if you’ve paid for a meal plan, be sure to use it! You’re just paying twice if you eat out somewhere else.
Save on snacks. If you can, avoid buying snacks at vending machines or convenience stores. Stock up at your local grocery store and keep them with you during the day to avoid more expensive and less healthy on-the-go options.
Consider all the costs of living off-campus. Many students like the idea of trading dorm life for their own off-campus apartment, only to realize that there are more costs involved than they realized. Aside from rent, you will probably have utility bills and grocery expenses, at a minimum. You may also need to pay rental insurance and property maintenance fees. So before you decide to move off campus, learn what other expenses you’ll be responsible for, in addition to rent.
Use student discounts to your advantage. It’s common for movie theaters, concert halls, restaurants, insurance and travel companies to offer steep discounts with a student I.D. Just ask!
Start saving. A few dollars here and there can make a big difference later in life. Saving and investing your money puts your money to work for you. If you have a job, pay yourself first. Have your bank automatically deposit a set amount from your paycheck into a savings account.
Keep life in balance. Money management is important, but it’s only a means to get you where you want to be in life. Strong values, good friends, and a solid education should all be part of your plan for success.
0 Read more: Local, Education, CANDY BUDD CROWLEY BILL MAGGINIS MONAC ELEMENTARY SNOWMOBILE ACCIDENT MICHIGAN CANDLEIGHT VIGIL BALLOONS LETTERS MEMORIAL
TOLEDO — Candy Budd-Crowley, a teacher in the Washington Local School district, was killed in a snowmobile accident in Michigan Saturday evening. Crowley was the physical education teacher at Monac Elementary and she coached 7th grade girl’s basketball. According to Monac principal Bill Magginis, Budd-Crowley was very popular with her students. “If I had a question about a student I would talk to her because she was talking to the kids everyday,” Principal Magginis said.
Students have erected a memorial on the grounds of Monac Elementary in Budd-Crowley’s honor. Students have left balloons, pictures and letters.
A candlelight vigil has been set for 6 p.m. at Monac Elementary on Wednesday and at 2 p.m. on Friday students will release balloons.
EKG technicians are important members of the team of health care facility that work and treat patients with heart disease and those who require cardiovascular assessment through the use of an EKG machine. Of course, you need to have an adequate level of EKG technician training to learn the detailed aspects of your profession.
The ECG machine records the electrical impulse created by the heart. Technicians are required to perform the procedure in a proper way. The technician connects electrodes to the patient’s chest, arms and legs. The machine will then display the traces on heart activity and the specialist will print and present it to the doctor or cardiologist. The procedure is usually performed in all health or medical facilities such as clinics or hospitals. It is obligatory for patients with cardiovascular ailments in case of surgery. A detailed course for people with heart problems can contain a procedure for ECG.
With a specialization in a certain area there are many opportunities for an ECG technician. You can bу trained to perform Holter monitoring or a stress test. These two test procedures are also used to check the activity of the heart and pulse if it is normal or not. For those who do not know what is Holter, this is a test where electrodes are connected to the patient’s chest and a portable ECG machine is placed on the belt. This machine will then monitor the pulse for 24 hours, when the patient is active and at-rest. After that, the technician will print the results and send to the physician for interpretation. A stress test is another procedure to check the activity of the heart while a person is running or walking in a treadmill. This test will determine the effect of the increased pressure of the patient’s heart.
Every child should be able to read a Harry Potter novel by the time they leave primary school, the Government declared yesterday.
The Schools minister, Nick Gibb, told a conference the country was “lucky that some of the most magical and exciting children’s books ever written” were in the English language. He cited the works of Roald Dahl, Michael Morpurgo and Jacqueline Wilson, and the Harry Potter and Narnia books, The Wind in the Willows and Winnie the Pooh as examples.
Yet up to 100,000 11-year-olds would be unable to read them because they were still struggling to master the basics, he told the North of England education conference in Leeds.
“By the end of primary school, all children should be able to read and enjoy books like Harry Potter,” he added. “But too many children can’t enjoy these brilliant books because they haven’t learnt to read properly.”
International research showed England had slid from seventh to 25th place in reading tests and that almost 40 per cent of pupils in England never read for pleasure.