Displaying 1 - 10 of 185 Forum Posts 1 2 3 4 5 Next
  • Dec 08, 2016 03:40 PM
    Last: 1mo

    Here's a breakdown for estimating 2016-17 college costs, in full.

  • Dec 08, 2016 03:40 PM
    Last: 1mo
    JFoster Wrote: Doesn't that sound like a lot of work, just to make the educational puzzle pieces fit? I still argue that it was more viable to do that 10 years ago, but with the gauntlet of registration that most colleges put prospective students through, you're better off going to a 4 year and calling it a day.

    If the costs were equal, for sure. But we are talking about thousands of dollars in difference for tuition, that a great majority of students will be taking out loans for. Loans that compile interest.

    If you google 'average university tuition', here's the stats you get (cited from a student support organization College Board):

    Average tuition per year full time (2014/2015):

    Public two-year colleges -- $3,347
    Public four-year colleges -- $9,139
    Public four-year, out-of-state -- $22,958
    Private non-profit, four year -- $31,231

    And the room and board is also more, sliding on the same scale:

    Public two-year colleges -- $7,705
    Public four-year colleges -- $9,804
    Public four-year, out-of-state -- $9,804
    Private non-profit, four year -- $11,188

    Total, when adding all the costs for attending each kind of college for a year:

    Public two-year colleges -- $11,052
    Public four-year colleges -- $18,943
    Public four-year, out-of-state -- $32,762
    Private non-profit, four year -- $42,419

    Of course that will vary from state to state, and school to school. But on average, it costs over $7,000 more per year to go to a 4 year, in state public school for your basics, over a community college. If you take 2 years of general basics (typical) that's $14,000 savings. I would say it's worth the extra effort. At the VERY least, it's worth your time to investigate and be aware of the cost differential. That $14K difference will quickly turn into $20k+ with interest, when it comes time to pay up, minus grants and scholarships.

  • Dec 09, 2016 06:30 PM
    Last: 1mo

    Roughly 2.5-3.5% of students in the U.S. between the ages of 5-17 are home schooled. That equates to somewhere in the ballpark of 1.5 million kids, give or take, depending on which stat page you read.

    Question I have is between home schooled kids, charter schools, private schools, public schools, special prep schools, boarding schools, and other kinds that I'm probably little aware of.. is this the best method or approach to education that the country as a whole should be taking?

    It's clearly very fragmented. And the experience a child gets varies as wildly as you could possibly imagine, from one to another. On one end of the spectrum, a child could be home schooled, and have theoretically and very likely almost zero contact socially with the outside world, or other children of their own age. That's the big downfall of homeschooling right? That you miss out on the opportunity to build social skills, during key development stages into adulthood..

    On the other hand, would be boarding schools, I guess? Where the child gets all the interaction with other children they could possibly ask for (and some rightly hate, as they are isolated from their family for months at a time).

    And the other types of schools fall somewhere in that spectrum, for social development. That's one aspect of education. But then what about the curriculum? Aside from some uniform basics taught generally across platforms, the education you get from homeschooling could be so drastically different from say a charter school, and the same for a private school, that from an outsider's perspective, those kids might as well have been educated in entirely different countries! It very often is that different.

    SO is this really the best approach to educating future generations to inherent the US at large?

  • Dec 08, 2016 03:40 PM
    Last: 1mo

    It's not a waste of time or money as long as you 100% know what you want to be going to school for. If you change your major halfway through generals/basics, then some of those classes will be a waste. But even still, I would rather waste credit hours at a cheaper institution while I am still figuring things out early on; that's one of the benefits of a community college.

    Also, you need to make sure to contact the school you intend to transfer those credits to, and tell them the exact course numbers and the community college you are attending (be very specific), to completely verify the credits will transfer correctly. If there is any doubt, don't take that class because it very likely will be a waste.

    But as long as you verified the credits will transfer into the degree you know you are working toward, in my experience, it's definitely the way to go, financially speaking. As for the quality of the education you get vs a 4 year, it's a crap shoot. Sure, it's a safe bet that the better teachers will be at the more prestigious school. But when you are talking about Government 101/Psychology/Accounting/etc kind of classes, these classes are routinely given to the junior/less experienced/less-than-excited-to-be-there teachers regardless, no matter what college you are talking about.

    The #1 reason to do this is about the money. If money is no issue to you, then go straight to the 4 year. #2 reason is.. it's easier (usually) to pass the basic classes at a community college, less demanding in my experience. So there's another plus; pad your GPA early on.

  • Dec 06, 2016 06:10 PM
    Last: 1mo
    JFoster Wrote: I hate to rain on the parade, but I still don't see this taking off. I recall some of my professors detesting the idea. Most, are old school, they prefer face-to-face lectures. Not to mention, it gives the students more ability to slack off. I've taken a few online classes. They're very convenient, yes, but they never made as much of an impact on me. They just felt more like easy credit opportunities.

    At their infancy, sure. The easy classes go online. But the internet gets more sophisticated every day. And I'm sure not all old school professors will be wanting to do this exclusively. But that's not the idea here. The idea is that a normal person can one day have access to what used to be uber expensive and impossibly exclusive. Not to mention geographically limiting. You shouldn't have to live in New York, Cali, England or Boston to get that level of education, if the technology exists to make it universally available to all.

    And the brick and mortars can still run the same way they do now. It will just unbelievably expand their reach, for those that opt in. Hopefully one day, all will. Will mean a whole different kind of revenue stream as well.

  • Dec 07, 2016 11:20 PM
    Last: 1mo

    That's a terrible situation. Sorry to hear that. For social security though, she won't be able to get any benefits until the age of 62, per the official site:

    Your full retirement age is 66. Remember, the earliest a person can start receiving Social Security retirement benefits will remain age 62. age 62, you will get 75% of the monthly benefit because you will be getting benefits for an additional 48 months.

    As for medicaid, maybe so. I would definitely contact them directly, and soon. Here's an exert from Centers for Medicare Advocacy:

    Medicare is available for certain people with disabilities who are under age 65. These individuals must have received Social Security Disability benefits for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease). There is a five month waiting period after a beneficiary is determined to be disabled before a beneficiary begins to collect Social Security Disability benefits. People with ESRD and ALS, in contrast to persons with other causes of disability, do not have to collect benefits for 24 months in order to be eligible for Medicare.

    Medicare Coverage for People with Disabilities

    Hope this helps, and good luck.

  • Dec 06, 2016 06:10 PM
    Last: 1mo

    Mooc. One of my favorite things about the internet in the last few years. Stands for: massive, open, online course. And it's the future of higher education, far as I can tell. (that's sincerely my hope as well)

    Sure, we have online universities already. But aside from say, University of Phoenix, can you name one? Let alone, how many of you have heard of at least one story of someone getting completely lied to and screwed over by some fly by night, supposedly legitimate and accredited online campus? I've heard and read about dozens.

    Online universities have gotten a bad rap for a long time. Even when people do actually get the degree, it's widely understood that a majority of employers don't take them as serious degrees, over a brick and mortar, established institution.

    But something has been happening in the last 5 years or so that should grey all this up, and change the great divide between online and brick and mortar: mooc. Right now, top universities like Oxford, Yale, Harvard, etc are offering some of their exclusive (and usually very expensive) courses to anyone online, at little to no cost. Actually I think they are all free. And the demand is substantial.

    Tech education companies are gearing up now, getting the technology and interface all perfect, hoping for a big transition to happen, being that all the top universities will eventually and in the near future offer their highly coveted degrees to anyone, fully online.

    The University of Arizona has already paved the way here, sorta. You can purchase one year of accreditation for $1600, $200 a course x8, as one example. Imagine being able to get a Harvard/Yale/Oxford/Duke/insert awesome university here undergraduate degree, for pennies on the dollar? And they would be able to heavily discount this BECAUSE of the sheer numbers that would jump at the chance.

    Ask any professor if they would rather reach 250 students one time, in one lecture hall. Or 30,000 students online, taking the same class, all over the world, with the ability to rewind and rewatch the teacher's words as much as they like? I gotta imagine that for most circumstances, the professor would want as much reach as possible.

    This is extremely exciting for me. I have already taken a few mooc classes, and it's amazing to get access to Oxford and Yale professors, at no cost. I can't wait for the day, hopefully soon, that we will have the ability to purchase a course load, and I can theoretically have a crack at getting a heavily discounted degree from one of the most prestigious universities in the world. Imagine that?

  • Dec 05, 2016 03:27 PM
    Last: 1mo

    Yeah, I went through this process before. Was certainly worth the time and effort. Can be a pain to process everything with the financial aid dept. But it's very helpful, especially the pell grants. I have student loan debt now. But it would be thousands more without that program.

    I highly recommend staying on top of deadlines though, and asking a lot of questions if you are confused about any step in the process. Counselors in my experience are very willing to walk you through everything, if you make an appointment with them first.

  • Nov 30, 2016 05:50 PM
    Last: 2mo

    I'm very curious to see what he proposes to make the program better, as he has already said he wants to keep portions of it. So the whole 'I'm going to do away with Obamacare' mantra wholesale was a lie, or at least a poorly thought out statement. Clearly he has no real plans to stick to his pre-election promises exactly. In a way, that's a promising development.

    How can you afford Obamacare, by not making everyone buy in? Who the hell knows. I haven't heard a single pathway yet. But we shall see. I myself am a healthy, single male that has no insurance. And am going to have to pay the penalty for not having Obamacare this year, as for me, it is too expensive. And that fee is no small penalty. This year, they told me it will be about $1200.

    So I would ideally love for a way to opt out without penalty obviously. But even in my situation, where I have arguably the most to bitch about, I still get it. And I don't want others to lose out, just to make my tax situation a bit more comfortable every year. And no doubt, the day will come where I WILL need the care, and will be thankful I can't be denied for any financially unsound (on their part) 'pre-existing' condition.

  • Dec 03, 2016 04:52 PM
    Last: 2mo

    The corporate tax rate for doing business in the U.S. is one of the highest in the world, at 35%. Of course with exemptions, write-offs and a bunch of other exemptions, companies don't usually end up paying that full rate. But still, what they do end up paying is more than most every other industrialized country, if and when they actually conduct business fully in the U.S.

    Question I have is: Will Trump's proposed plan to drop the rate from 35% to 15% for corporate taxes be a good thing overall for the U.S., and the world? I have researched this pretty extensively, but get confused quickly. So many moving parts, and varying opinions. Dropping the rate will help many large and even medium sized businesses maneuver within the confines of the United States much more freely. In theory, it seems they will have more money/capital, and for certain kinds of companies, that can mean lower prices, or reinvestments into infrastructure/research/development/etc. But the drop will also change the international/global marketplace. And I can't tell if the change would be wholly for the good or not.

    How do you see this playing out, on a local and global scale, if Trump does in fact drop the rate to 15%? Maybe someone with more working knowledge of this subject can enlighten me..