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But you can't deny that more and more jobs are requiring degrees either. My cousin is in her mid-40's and works as a medical assistant. When she started none of the gals in the office hadn't gone to college. 25 years later she's the only one who hasn't. Similarly when I was looking into becoming a nurse a few years ago we were told by the community college advisors that an LPN or RN is no longer enough. Health care institutions are more and more expecting a BS too. There are a number of reasons for this from what I understand, such as more complicated tasks being delegated to nurses as well as the sophistication of modern medicine. I imagine this is happening in other fields too.
You are talking about the medical field so it's always been dominated by degrees. Mathjak's post didn't say anything a bs as min but rather a college degree so the RNs would have always been covered. Nevermind the fact that we are talking about any job above min wage vs 25-30+ per hour jobs
Student loan proceeds should cover only tuition and books only much like HSA spending is limited to certain items
And who is going to cover housing? Many campuses require freshman to stay on campus. And sure, they can get an apartment and get a job, but in student apartments you need your own furniture. Who's going to buy a bed or move their bed from home?
And who is going to cover housing? Many campuses require freshman to stay on campus. And sure, they can get an apartment and get a job, but in student apartments you need your own furniture. Who's going to buy a bed or move their bed from home?
If my suggestion goes into place the rules change. The fact that you can get student loan money and a check sent to you and you can go to the strip club or best buy and blow it makes zero sense. The fact that you can use your loan money to purchase alcohol makes zero sense. If you can't pay to live on campus maybe a community college is your best route and would be cheaper overall.
The Baby Boom Generation built a lot of things, but they let status chasing, TV imagery and delusions and illusions of the stars and starlet syndrome make them destroy almost everything they created. With Greed, Material Measure and pure Avarice. Some took over Family Business, some built it up and then over-leveraged it and sold it when they found themselves living beyond their means at the expense of everything their ancestors worked hard to build.
Some Came back from the Wars and Built up Business, only to let a decade or so later find them over leveraged, over expanded and debt encircled them tighter than a knit stocking cap.
They then taught it to their kids, to chase Titles, Status, and measured their kids by material acquisitions and status. By the time their grand-kids produced babies of the 1980's, it was all about Material things, Probably the Song, "Material Girl" marked the period, along with the song "What has he done for you Lately". By the time this group produced kids, human courtesy was almost a lost concern, belligerence took over the tone of the music, not even wearing clothes neatly came as a consideration to many in these generational groups.
Education became less about learning and choosing a career based on passion for a profession, it has become about which label pays the most, and can the degree certificate be used as a get a job certificate.
We've become a disposable society, not just of goods and things, but we have that mentality about people.
Many kids have no connection or association with their grandparents, when their parents get to a certain age of being elderly, they will have less time and interest to visit and share with them.
the mad chase for "material measure" dominates the landscape of the mind. They have to have the latest model phone, when the previous one works just fine. They job hop on a six month cycle, and expect to be paid top dollar when many have no idea what is within the scope of the business model. They think their mere presence there should afford them certain pay and liberties.
It's everyone fault that the economics of the average citizen is made so heavily burdensome by depressed wage structure. Over time, the average citizen allowed the "degree riders" to convince them that Unions were evil, because the Degree riders could not accept anyone making a comparable wage by a learned skill, as the degree rider felt only those who paid an Institution for a Certificate to ride as a degree is the only ones who should be paid.
And they proceeded not only to push for the destruction of Unions, but they pushed policies trying to make themselves more important than others, and within doing so; set a cycle of corporate demise in motion. Corporate Unity among company and workers was forever destroyed. When this destruction came, also did the quality in workmanship vanish as well. People no longer felt they were respected as being a part of something. In comes the "contract agencies" with their low paid herds of people, who have no loyalty and certainly no sense of belonging, so they plod along to pass the time, to get 8hrs on the books so they can get paid. The company name is ridden as long as possible, until the public wakes up to realize, the company has no concern for quality or service as it once had that made it a Trademark in society.
Sadly, the hard working people who held labor and union jobs sent their kids to university, and the same kids came out and began to dismantle everything their parents built their lives upon. The policies for the elderly were slaughtered, by a youth group who think they will be young forever. They wiped out the concept of Pension, they destroyed even the thought of Company contribution to Pensions, then they went after Medical coverage. Each thing they destroyed, they gave themselves a pat on the back and hand held out for a bonus. Unaware of the hardships they brought to the same family who raised them and sent them off to learn.
They learned, but they learned how to chase greed, live with the aims of Avarice and to be destroyers in search of anything others build or had built.
Then on Thanksgiving, they want to come to dinner and boast about their achievements, when the family could barely afford the dinner they sat down to devour.
They can earn high salary but with their want of opulence, they find themselves in debt, when they make over 70k or a 100K as a combined family income. They want the big house by the time they are close to 30, when it took their parents many years of saving and sacrificing to make the homes they have, which now the kids want to do a one-up on the parents.
(SOME OF) Those who do find themselves living BACK at home, come with a sense of entitlement, they don't think they should contribute to the bills, they don't think they should invest in the upkeep of the home and where they reside. But they find ways to buy the newest gadgets, the status vehicles and to be frequent shoppers for the latest trends.
Sadly, some lay in wait for an "inheritance'. they will sell of anything and everything their parents spent a lifetime building, and when its all gone. They boast about what they had an what they have with the proceeds from the demise of a family's life works of which they did little to contribute to any of it.
Things happen by the acts and actions of people. Still today, no one wants to claim any responsibility for the state of conditions and despaired status of the nation and its people conditions.
People bought into the delusion of the Student Loan Buzz, and Bankers catered to them as if they were livestock at the feeding trough. Now feeling elite and entitled, but limited in abilities and capabilities, while being void of vision to make use of any bits of knowledge they claimed to have gained.
Currently, New gadgets, Video Games and Social Media is their claim to presence and personal fame. the smart ones go to a Tech school and actually learn a marketable skill, when they realize they wasted 4 years and accumulated high debt for a degree that is worthless for the filed they chose. some become too proud to go and learn some skills, and remain idle hoping the degree will magically open a door full of wishes and riches, as they grow older finding out how much less they know than what they thought they knew.
Last edited by Chance and Change; 11-02-2014 at 12:35 PM..
I know several millennials who are doing well and yet don't have formal jobs. They do artwork and sell at craft fairs. That has been supporting them and they drive a car and have bought a house, all on non-traditional work. He was doing yard care at the beginning to support the art enterprise, now they are making enough with their pottery and art production that he can now do pottery instead of yard work.
Another millennial is a fiber artist, although his living situation is less traditional since he has a studio apartment above the shop he works at in exchange for working at the shop. He also gets to sell his art at the shop, so he has income as well as a place to live.
Considering that folks in my area are willing to pay $20 - $25 per hour for yard work and heavy house cleaning (scrubbing walls, washing exterior windows, etc.) there's no real reason for a millennial in this area to be broke. A lot of them don't want to clean houses, though.
And who is going to cover housing? Many campuses require freshman to stay on campus. And sure, they can get an apartment and get a job, but in student apartments you need your own furniture. Who's going to buy a bed or move their bed from home?
They can work over the summer before college and save for a bed...
The Millennial Generation (my generation) is the generation that's been placed on this planet to take the tail whooping of the last century of bad monetary policy, bad trade policy, bad tax policy, bad government regulation policy and the break down of the modern family.
The reality of life is that all you can do is "your best" and the rest you have to put up to chance. The fact is though, is that going forward doing "your best" will not be enough. Right now, as a millennial, to get into the middle class you are going to have to make a series of SMART and HARD decisions that NO other generation had to make at the SAME time while you are the age of 18 - 25 getting started in life:
- You are going to have to go to school full time all the way to the Master's Level
- You must major in a high demand field which requires more work, more study, and tutors
- You must work 2 - 3 jobs, 1 job pays the bills, the other 1 - 2 jobs are for the required Resume experience in your field
- You must network like night and day, online and in person, so that within your field you know all of the major players and you set yourself up to have access to all of the available job openings
You have to do all of this at the SAME time, while managing not to:
- Mismanage your student loans, you have to take out what you can afford, utilize your scholarships/grants efficiently, etc.
- You can't get pregnant during this time or get someone else pregnant, because pulling yourself up to the middle class is going to extract ALL of your energy, bringing in kids right now will halt the plans.
- You have to be efficient with your budgeting, so you save, invest, and make sure you don't spend money on things you don't need.
You have to do all of this, today, to come from the bottom to the middle class by your middle 20's. When I say the middle class, I'm talking making $35k - $50k a year as an individual in a low cost of living area, if you are in a high cost of living area like NYC then add 2 times that amount to around $70k - $100k to reflect the 2 times higher cost of living.
In order to accomplish this, you have to be disciplined, efficient, and have your plan mapped out to total effectiveness. With the way the media, the government and the poor grade school systems are bringing up millennials, only about 10% - 20% of them will have all of this down pat. Which means 80% - 90% will continue to struggle, continue to camp out with Occupy Wallstreet like protests (because they have no jobs to go to), and more.
Nobody is educating millennials on where we are TODAY, and what we must do to secure our present and future. All you hear are pointless talking points, pointless speeches, pointless policy proposals......it's hogwash.
It's one of the reasons America is on the decline, by 2050, this country is done folks.
The Millennial Generation (my generation) is the generation that's been placed on this planet to take the tail whooping of the last century of bad monetary policy, bad trade policy, bad tax policy, bad government regulation policy and the break down of the modern family.
The reality of life is that all you can do is "your best" and the rest you have to put up to chance. The fact is though, is that going forward doing "your best" will not be enough. Right now, as a millennial, to get into the middle class you are going to have to make a series of SMART and HARD decisions that NO other generation had to make at the SAME time while you are the age of 18 - 25 getting started in life:
- You are going to have to go to school full time all the way to the Master's Level
- You must major in a high demand field which requires more work, more study, and tutors
- You must work 2 - 3 jobs, 1 job pays the bills, the other 1 - 2 jobs are for the required Resume experience in your field
- You must network like night and day, online and in person, so that within your field you know all of the major players and you set yourself up to have access to all of the available job openings
You have to do all of this at the SAME time, while managing not to:
- Mismanage your student loans, you have to take out what you can afford, utilize your scholarships/grants efficiently, etc.
- You can't get pregnant during this time or get someone else pregnant, because pulling yourself up to the middle class is going to extract ALL of your energy, bringing in kids right now will halt the plans.
- You have to be efficient with your budgeting, so you save, invest, and make sure you don't spend money on things you don't need.
You have to do all of this, today, to come from the bottom to the middle class by your middle 20's. When I say the middle class, I'm talking making $35k - $50k a year as an individual in a low cost of living area, if you are in a high cost of living area like NYC then add 2 times that amount to around $70k - $100k to reflect the 2 times higher cost of living.
In order to accomplish this, you have to be disciplined, efficient, and have your plan mapped out to total effectiveness. With the way the media, the government and the poor grade school systems are bringing up millennials, only about 10% - 20% of them will have all of this down pat. Which means 80% - 90% will continue to struggle, continue to camp out with Occupy Wallstreet like protests (because they have no jobs to go to), and more.
Nobody is educating millennials on where we are TODAY, and what we must do to secure our present and future. All you hear are pointless talking points, pointless speeches, pointless policy proposals......it's hogwash.
It's one of the reasons America is on the decline, by 2050, this country is done folks.
I'm just outside the millennial range by a year or two but tell me how many generations had it so much better then you?
Your call of America done by 2050 says more about you than anything else
Attaining a degree from a quality university is a signal to employers.
Job history is as signal too
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