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on Jeffrey Epstein
https://www.podbean.com/media/player/fip4q-a8d1e3?from=yiiadmin&download=1&version=1
Jeffrey Epstein sexually exploited young people to get insider information. This podcast talks about the vulnerability of young people and a lack of hope.
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A growing trend is college graduates earning less than people in the trades, according to Georgetown University.
This idea goes against conventional wisdom and lots of google search results.
Book on Amazon-Success Without College Roadmap to Plumber by Christine Axsmith Photo by Gerd Altmann on Pexels.com
But if you look through the top Google results for “earning more than a college graduate,” the web sites are tied to colleges, or companies selling advertising to colleges.
There’s no shortage of people who are success stories without a college degree. But the most recent research is showing that a college degree is not necessary for success.
A report of the Center on Education and the Workforce at Georgetown University states that 27 percent of people with post-secondary licenses or certificates—credentials short of an associate’s degree—earn more than the average bachelor’s degree recipient.
Pathways to prosperity: Meeting the challenge of preparing young Americans for the 21st century is a report from Harvard University talking about the failure of the “college-for-all” policy, and how that cheats some young people. “We fail these young people not because we are indifferent, but because we have focused too exclusively on a few narrow pathways to success,” referring to college.
Other experts agree with that conclusion:
“Employment rates for the nation’s teens and young adults are at post-World War II lows—a true labor market depression. Based on experiences both here and abroad, Pathways to Prosperity points to the need for expanded employment and work-based learning opportunities for young people, closer ties between post-secondary education/training and the workplace, and expanded youth apprenticeships. The need has never been greater, and the report provides a clarion call for action now.”
Andrew Sum, Director, Center for Labor Market Studies, Northeastern University.
Conventional wisdom, and google search results, are sure to follow these conclusions. Young people are not one big clump that are exactly the same as the other. As they are different, their needs are different. Not everyone needs to be an accountant. Our economy requires all types of skills. Many of the in-demand skills can be learned while working or through a certificate program.
Paths to success without college means entering the plumber, firefighter, carpenter or other trades. And, yes, math will be needed. But it will be a direct, problem-solving math with direct, visible results.
$uccess Without College Publications has published $uccess Without College – Roadmap to Software Developer and $uccess Without College – Roadmap to Plumber to show people that there are alternatives to college to get success.
Buying one of our $uccess Without College Roadmap books will empower you to choose your own path to success.
The chances of success without college are better if you think for yourself and decide what is best for you. Students who have success without collegedo the work to find out about different career paths and match them to their temperament.
Other books about success without college focus on calming anxious parents, and not on solutions. Buy $uccess Without College Roadmap to Plumber or Roadmap to Software Developer by Christine Axsmith for solid advice on launching your successful career path.
Photo by Gerd Altmann on Pexels.com
linkedin: Christine Axsmith
podcast: $uccess Without College
Instagram: SuccessWithoutCollege
Twitter: SuccessWithoutCollege
Harvard Says 27% Earn More Than 4 Year College Graduates A growing trend is college graduates earning less than people in the trades, according to Georgetown University…
#Amazon book#Christine Axsmith book#Money#Success Without College Roadmap Book#Success Without College Roadmap book series by Christine Axsmith
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Wall Street Journal ACT Panic: Is a College Degree Really Necessary for Success?
Wall Street Journal ACT Panic: Is a College Degree Really Necessary for Success?
by Christine Axsmith
The Wall Street Journal is fretting that ACT scores show math unreadiness for college. And? Is a math test the only way to measure potential success? No.
People say a college degree is necessary for success – do you? There are so many careers available today that do not require a college degree.
Going to college is a big investment. Student loans can be huge. Some people…
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Parents and Success Without College
Parents and Success Without College
Parents and Success Without College
a book series by
Christine Axsmith
In the interviews for the $uccess Without College Roadmap series of books, it became clear that a primary obstacle to getting young people into the trades was parents.
Of course, parents want the best for their children. But sometimes they need more information before deciding what that is.
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#Christine Axsmith book#Student Debt#Success Without College book#Success Without College Roadmap Book#Success Without College Roadmap book series by Christine Axsmith
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Success Without College - Vocational Training and No Student Loan Debt
Success Without College – Vocational Training and No Student Loan Debt
Success Without College – Vocational Training and No Student Loan Debt a book series by
Christine Axsmith
No Student Loan Debt!
After ten years of pushing college to high school students, finally people are starting to talk about vocational education. These types of jobs, often called the trades, have a real need for younger people. That means there are jobs…
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#Christine Axsmith book#Success Without College book#Success Without College Roadmap Book#Success Without College Roadmap book series by Christine Axsmith
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Success Without College Roadmap Aerial Firefighting
Success Without College Roadmap Aerial Firefighting
Success Without College Roadmap Aerial Firefighting
a books series by
Christine Axsmith
Right now, I am writing the Roadmap to Firefighter book. My research has revealed a whole category of firefighter called an aerial firefighter. This is a firefighter who fights fires from the air.
One of the greatest things about writing the $uccess Without College Roadmap…
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Get a Job at Google With No College Degree
Get a Job at Google With No College Degree
Google just announced that it is no longer requiring a college degree for employees.
Roadmap to Software Developer by Christine Axsmith
“When you look at people who don’t go to school and make their way in the world, those are exceptional human beings. And we should do everything we can to find those people,” said Google’s former SVP of People Operations Laszlo Bock.
In researching $uccess…
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Asian Investors Buying US Real Estate
Asian Investors Buying US Real Estate
US real estate is seen as a bargain by many Chinese. There is confidence in the stability of our government. So the downturn in prices in recent years has resulted in many home sales to Asians. Often, these homes are not desired as a place to live, but as a place for children to live many years in the future. Many Chinese parents plan on their children attending American colleges, and in…
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$uccess Without College Roadmap, Success Without College Roadmap
$uccess Without College Roadmap, Success Without College Roadmap
$uccess Without College Roadmap What is your roadmap for success, or $uccess, without college degree? In this $uccess Without College Roadmap Book series by Christine Axsmith, I investigate how to be a success without going to college. There are many media reports about $uccess without college statistics, and many of them will tell you that the income a person earns is dramatically increased…
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Rise of the foreclosure zombies…. Apparently, the Consumer Financial Protection Board (CFPB) is having a difficult time locating homeowners who have deserted foreclosed on properties—known in parlance as “Zombie foreclosures.”
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Foreclosure "Fast Track" Proposal
Foreclosure “Fast Track” Proposal
The federal government is beginning a “fast track” foreclosure program to deal with the massive number of re-possessed and abandoned properties
Although the Obama administration is in favor of “Fast track” foreclosure, there has been a bipartisan effort in Congress to stop this based on the idea that “Fast Track” usurps Congressional authority over trade matters.
Still, with the continuation of…
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Axsmith Law LLC represents consumers in Washington, DC and Philadelphia, PA.
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A consumer debt is a debt that has been incurred for personal use, such as living expenses, or a vacation, or perhaps the purchase of a vehicle, home mortgages, and student or car loans.
A consumer debt is money borrowed for personal use as opposed to money invested in a business.
Borrowers often get into high interest consumer debt through not paying their credit cards on time, as credit cards often charge a much higher interest than the interest charged for a secured loan through a mortgage or a bank.
Another type of consumer loan is a payday loan. Offered at liquor stores and lending centers in low-income neighborhoods, payday loans are a quick fix but not always the best fix to a common problem.
George is short on money for grocery bills. He goes to Petes Liquor Outlet, and writes a check for $135 that will be cashed next Friday, when George gets his paycheck. In return, Pete gives George $120. Thus, George has given up fifteen dollars because of a family emergency.
On websites such as Manvsdebt.com there are discussions of how this sort of situation might be avoided through, perhaps an emergency fund for those something crazy moments. The writer reports: I make sure to budget some money each month into a fund to deal with general home expenses, everything from lightbulbs to paint to minor plumbing needs. But sometimes, something crazy happens. You know, like when my washer randomly freaked out, flooding my finished basement and burning itself out. It was a perfectly good washer with several years of service left, so we were not yet budgeting to replace it (or, uh, dry out the downstairs). THAT is an unplanned emergency, and we covered the cost from our emergency fund, which we then replaced over the following two or three months.
Thus, had George had an emergency fund; he might not have had to pay $15 to get money to get out of the emergency.
Another type of consumer debt is student loans. Some student loans are loans by the government. According to Wikipedia:
Prior to 2010, federal loans were also divided between direct loans (which are originated and funded by the federal government) and guaranteed loans, originated and held by private lenders but guaranteed by the government. The guaranteed lending program was eliminated in 2010 because of a widespread perception that the government guarantees boosted student lending companies' profits but did not benefit students by reducing student loan costs.
If a student finds that their post graduate income is markedly less than what is owed on their student loans, they are eligible for an Income Based Repayment Plan capping their student loan payments at fifteen percent of their current discretionary income.
One can also get a private student loan, usually from an individual or a bank. It is difficult not to pay your student loan, as even bankruptcy does not protect the borrower.
One important difference to the consumer-borrower is the difference between secured and unsecured debt. A secured debt such as a mortgage or a car note, which has collateral that the lender can collect on.
An unsecured debt is more difficult for the lender to collect on, as there is nothing to seize if the borrower is delinquent in payment. In recent years, borrowers ineligible for credit have been getting secured credit cards which requires that money is deposited into a bank account, and that money will be removed if the borrower defaults on payments.
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Consumer Debt
A consumer debt is a debt that has been incurred for personal use, such as living expenses, or a vacation, or perhaps the purchase of a vehicle, home mortgages, and student or car loans.
A consumer debt is money borrowed for personal use as opposed to money invested in a business.
Borrowers often get into high interest consumer debt through not paying their credit cards on time, as credit cards often charge a much higher interest than the interest charged for a secured loan through a mortgage or a bank.
Another type of consumer loan is a payday loan. Offered at liquor stores and lending “centers” in low-income neighborhoods, payday loans are a quick fix but not always the best fix to a common problem.
George is short on money for grocery bills. He goes to Pete’s Liquor Outlet, and writes a check for $135 that will be cashed next Friday,when George gets his paycheck. In return, Pete gives George $120. Thus, George has given up fifteen dollars because of a family emergency.
On websites such as Manvsdebt.com there are discussions of how this sort of situation might be avoided through, perhaps an emergency fund…for those “something crazy” moments. The writer reports: “I make sure to budget some money each month into a fund to deal with general home expenses, everything from lightbulbs to paint to minor plumbing needs. But sometimes, something crazy happens. You know, like when my washer randomly freaked out, flooding my finished basement and burning itself out. It was a perfectly good washer with several years of service left, so we weren’t yet budgeting to replace it (or, uh, dry out the downstairs). THAT is an unplanned emergency, and we covered the cost from our emergency fund, which we then replaced over the following two or three months.”
Thus, had George had an “emergency fund” he might not have had to pay $15 to get money to get out of the emergency.
Another type of consumer debt is student loans. Some student loans are loans by the government. According to Wikipedia,
“Prior to 2010, federal loans were also divided between direct loans (which are originated and funded by the federal government) and guaranteed loans, originated and held by private lenders but guaranteed by the government. The guaranteed lending program was eliminated in 2010 because of a widespread perception that the government guarantees boosted student lending companies' profits but did not benefit students by reducing student loan costs”
If a student finds that their post graduate income is markedly less than what is owed on their student loans, they are eligible for an “Income Based Repayment Plan” capping their student loan payments at fifteen percent of their current discretionary income.
One can also get a private student loan, usually from an individual or a bank. It is difficult not to pay your student loan, as even bankruptcy does not protect the borrower.
One important difference to the consumer-borrower is the difference between secured and unsecured debt. A secured debt such as a mortgage or a car note, has collateral that the lender can collect on.
An unsecured debt is more difficult for the borrower to collect on, as there is nothing to seize if the borrower is delinquent in payment. In recent years, borrowers ineligible for credit have been getting “secured” credit cards which requires that money is deposited into a bank account, and that money will be removed if the borrower defaults on payments.
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Foreclosure Settlement Checks Bouncing
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