#yourmoney

[maharg5150]

Diploma dollars

Friday, July 14, 2023

Whether it was something your parents forced you to do; whether it is something you genuinely wanted to do; or whether it was something you wanted to do that would earn you the most money — any money you owe for that sheepskin hanging on your wall, is for you to pay for.

Apparently, 804,000 Americans, will be receiving debt relief for student loans they have been paying for 20 to 25 years. The $39 billion worth of relief (approximately $50,000 per loan) will it take place over the next few months. I'm not too sure how I feel about that.

The way I understand it, the loan was supposed to work kind of like a mortgage. You borrow the money, you make your monthly payments, gradually overtime the principal amount goes down and after 20 or 25 years, the loan is paid off. In the case of the 800,000 people mentioned above, I guess that did not happen.

Now, I happen to take heed what the bard said: "never a borrower or lender be." It may be difficult to do in a modern society, but if you must do it keep it to a minimum. Please excuse me dear reader as I get to the point.

Here is the point. If you as an American have a passion to be something that takes a college degree — do it in a smart way! I mean I do get it… you don't want to roll into the emergency room, needing an appendectomy, only to find out that "Bob the Blade" (who only has a high school diploma) will be performing your surgery.

Unless you have a full ride scholarship for your undergraduate degree you should be made aware in high school of the least expensive ways of attaining your goal. If you don't want to go to college there are plenty of trade school opportunities. Some of them you are employed while you also go to school a couple nights a week. Some community college trade schools do you have to pay tuition, but it is reasonable, and after two years you can get an associates degree in the trade that you studied — then go look for work.

For those who wish to go to college and get a degree, here is the least expensive method to get your sheepskin. First, go to your local community college, visit the career counselor's office, and find what the requisite classes are that you are required to take in order to get the degree that you were looking for. Second, take all the prerequisite classes that you will need for your degree at the community college. Why pay three to 10 times more money than you need to, only to receive the exact same education from the exact same courses in a four year institution. Third, once you have gotten the prerequisites out of the way, you can transfer those credits turn the four year university of your choice. If you live in my state do you have three options.1) Cal State University system; they have some top notch universities at about a quarter of the cost of the UC system. 2) the University of California system; depending on what your major is people who have a degree from one of those universities are usually able to get hired pretty quickly after they graduate. 3) transfer to one of the private universities in California; you will be paying a premium. Which even with only two years of tuition costs, could be expensive.

Stay away from any of the private diploma mills! Although a good many of them are no longer in business, there are still some around. They make their money by promising you the Moon and delivering nothing [except debt].

Anyway, pursue your dreams, but remember whatever career you choose, keep in mind that you will probably be doing it for 40 years or so. So, trying to pick something you'll be happy doing for the rest of your life!

As always, I look forward to the comments. Peace and love to you all.

Patrick Graham for [insert office] in 20XX

Paid for by: Frugal Financial Fraternities of America

[futurevalueofficial]

SIP is the simplest and easiest way of investing your money and saving big for your future.

Invest now!

.

.

.

Visit: http://futurevalue.in/

[reallifeperfect]

There’s no way to only heal one area. Healing begins a chain reaction because nothing about us exists independently. Heal love and that shifts your self love, #yourmoney , your relationships, career, health and it keeps going. That’s why you can start anywhere. Not sure where to start healing? Pick the thing that bothers you most https://www.instagram.com/p/Cpu5gVzO5wu/?igshid=NGJjMDIxMWI=

[mediamonarchy]

https://mediamonarchy.com/wp-content/uploads/2024/08/20240820_MorningMonarchy.mp3 Download MP3 Social insecurity, boulder dash and shitpost prison + this day in history w/Ray Roseberry and our song of the day by Tunnelmental on your #MorningMonarchy for August 20, 2024. Notes/Links: Protests erupt, Chicago businesses board up as the DNC kicks off Day 1 festivities; Democratic lawmakers will gather in Chicago, Illinois, this week for the 2024 DNC. Vice President Kamala Harris is slated to formally accept her party’s nomination on Thursday. https://www.foxnews.com/live-news/democratic-national-convention-2024-dnc-august-19-2024 HarrisWalz.com Domain Drama Ducks Question of Cybersquatting Law https://news.bloomberglaw.com/ip-law/harriswalz-com-domain-drama-ducks-question-of-cybersquatting-law The Ledger: How Layoffs Are Showing Up in Music Companies’ Earnings Reports https://archive.is/6agGm Bad bosses are pushing Gen Zers and millennials to the brink https://ca.finance.yahoo.com/news/bad-bosses-pushing-gen-zers-184655830.html Biggest shakeup to buying and selling a home in a century starts today https://www.dailymail.co.uk/yourmoney/property-and-mortgages/article-13735925/Biggest-shakeup-buying-selling-home-century-starts-today.html The death knell for broker fees! Homeowners to see BIG drop in selling costs after Realtors agree to eliminate notorious commission scheme and pay $418 million damages in landmark legal settlement https://www.dailymail.co.uk/yourmoney/housing-market/article-13201833/realtors-settle-eliminate-commission.html ✂️ Big rate-cut fall? https://sherwood.news/snacks/newsletters/big-rate-cut-fall/ Video: “Most People Have NO IDEA How Bad This Really Is” – Whitney Webb’s 2025 Final WARNING (Audio) https://www.youtube.com/watch?v=VVrWLNN-wpE Sheena Easton – “(She’s In Love) With Her Radio” (Vinyl //Audio) https://www.discogs.com/release/1799996-Sheena-Easton-Best-Kept-Secret // https://www.youtube.com/watch?v=M1LjFr7kOoI Here’s how to find out if your Social Security number was included in last week’s massive data breach https://fortune.com/2024/08/19/social-security-number-hack-were-you-included/ Google named their GPU Adreno…and we all know what they named their browser 😐 https://en.wikipedia.org//wiki/Adreno Classic NES Game Is Making a Comeback After 40 Years https://gamerant.com/classic-nes-game-boulderdash-remake-40-years/ Video: Boulder Dash for NES Game Review (Audio) https://www.youtube.com/watch?v=s3_QfShxCNk Waterworld – “Map” (Inst. // Audio) https://www.youtube.com/watch?v=4Kf_esaJUpA Man who called for asylum hotels to burn down jailed — as it happened; Defendants sentenced as prime minister pledges no let up in efforts to prevent more disorder https://www.thetimes.com/uk/crime/article/uk-riots-live-friday-latest-news-pfjb78g0v Man who encouraged torching hotels for asylum seekers in Britain gets 3 years in prison https://apnews.com/article/british-far-right-riots-sentencing-asylum-e3248eb20ea8c2c0e719e7617bc565b9 Video: Man jailed for stirring hatred on social media (Audio) https://www.youtube.com/watch?v=zWB2W_ADasc Alexander O’Neal – “Fake” (Vinyl // Audio) https://www.discogs.com/release/427059-Alexander-ONeal-Fake // https://en.wikipedia.org/wiki/Alexander_O’Neal // https://en.wikipedia.org/wiki/Fake_(Alexander_O%27Neal_song) // https://www.youtube.com/watch?v=vN1RYACiXNs #MorningMonarchy: August 20, 2018 – Actor Jim Carrey’s Art Goes Viral: “Our Missile, Our Crime” In Yemen https://mediamonarchy.com/20180820morningmonarchy/ #PumpUpThaVolume: August 20, 2018 ♬ The Holy Gasp & Death Valley Girls https://mediamonarchy.com/20180820pumpupthavolume/ #ThisDayInHistory/#MorningMonarchy: August 20, 2021 – The suspect, Ray Roseberry, has been live streaming the bomb threat at the Library of Congress on Facebook. He is demanding to talk to Joe Biden on the phone. (Audio) https://mediamonarchy.com/20210820morningmonarchy/ // https://vxtwitter.com/mediamonarchy/status/1428423030955380738 // https://twitter.com/...

[justiceheartwatcher]

Sounds like someone’s been cooking the books- US jobs growth in the last year could be revised down by ONE MILLION - refueling concerns the economy is headed for a downturn

Read: https://www.dailymail.co.uk/yourmoney/consumer/article-13762563/US-jobs-growth-year-revised-economy-concerns.html?ns_mchannel=rss&ns_campaign=1490&ito=1490 https://truthsocial.com/users/KarliBonne/statuses/112996045604696848

[deblala]

Panic as Rite Aid abruptly shuts ALL stores in two states - with customers scrambling to find a new pharmacy | Daily Mail Online

https://www.dailymail.co.uk/yourmoney/store-closures/article-13747847/rite-aid-abruptly-shuts-stores-michigan-ohio.html?ito=email_share_article-top

[noisyfiremusic]

Huge $6.4 trillion global stock market meltdown could be just the start, traders fear

https://www.dailymail.co.uk/yourmoney/article-13710211/global-stock-market-crash-japan-united-states-nasdaq-recession-fear.html

[nando161mando]

McDonald’s to update its $5 value meal deal after it fails to boost customers

https://www.dailymail.co.uk/yourmoney/consumer/article-13649437/mcdonalds-update-value-meal-deal.html

[thenewviewerdaily]

Iconic Texas store loved by Drake abruptly shutters after two decades

https://www.dailymail.co.uk/yourmoney/article-13552101/Iconic-Texas-store-loved-Drake-abruptly-shutters.html?ns_mchannel=rss&ns_campaign=1490&ito=1490&utm_source=dlvr.it&utm_medium=tumblr

[cdoc1890]

Historic New Mexico barbecue restaurant shuts final location after 62 years https://www.dailymail.co.uk/yourmoney/consumer/article-13514977/New-mexico-historic-barbecue-restaurant-shuts-final-location.html

[ronbe411]

McDonald's fans left fuming as new $5 meal comes with a major catch

McDonald's fans left fuming as new $5 meal comes with a major catch https://www.dailymail.co.uk/yourmoney/article-13422267/McDonalds-fans-left-fuming-new-5-deal-comes-major-catch-despite-fast-food-chains-billions-profits.html?ito=native_share_article-top

[stephenmcelroy]

Iconic Chevy AXED by GM as car is killed off by EVs in symbolic move amid Biden's anti-gas push | Daily Mail Online

https://www.dailymail.co.uk/yourmoney/cars/article-13400879/gm-discontinues-chevy-malibu-electric-vehicle-shift.html

[kenbowe]

'Mohela is a scam': Major student loans company under fire

'Mohela is a scam': Major student loans company under fire https://www.dailymail.co.uk/yourmoney/consumer/article-13325125/student-loans-company-mohela-widespread-failures.html?ito=native_share_article-nativemenubutton

[mediamonarchy]

https://mediamonarchy.com/wp-content/uploads/2024/03/20240327_MorningMonarchy.mp3 Download MP3 Factory food fugees, the power’s out and mystery illness affecting dairy cows in New Mexico + this day in history w/disaffected 80s youth of Saginaw and our song of the day by Jesse Dayton on your #MorningMonarchy for March 27, 2024. Notes/Links: Stock in Trump’s Truth Social halted for ‘volatility’ – after jumping 50% on stock market debut then dropping; The company would be valued at as much as $8.71 billion based on the premarket trading price; But he cannot sell the shares for six months under lock-up restrictions https://www.dailymail.co.uk/yourmoney/banking/article-13240417/Stock-Trump-Truth-Social.html NASA sends “message in a bottle” onboard spacecraft https://www.zmescience.com/space/nasa-clipper-europa-mission-message-plate/ Kamala Harris unknowingly claps to song in Spanish protesting her during Puerto Rico visit https://nypost.com/2024/03/24/us-news/kamala-harris-cluelessly-claps-and-nods-along-to-spanish-song-protesting-her-during-visit-to-puerto-rico/ Video: Kamala brutally TROLLED by protesters in Puerto Rico singing protest song against her as she mindlessly claps like a seal and dances along; Watch carefully for the awkward moment when her aid has to reality check her and she suddenly stops clapping 🤣 “We want to know, Kamala, what did you come here for? We want to know what you think of the colony.” (Audio) https://vxtwitter.com/bennyjohnson/status/1771982254467612890 Francis Scott Key Bridge collapse https://en.wikipedia.org/wiki/Francis_Scott_Key_Bridge_collapse Train derails near Socorro Monday night https://www.krqe.com/news/new-mexico/train-derails-near-socorro/ Warning about drinking water issued nationwide https://www.newsweek.com/warning-drinkin-water-issued-nationwide-iran-cyberattack-1881427 McDonald’s apologises after IT outage shuts restaurants worldwide but rules out cybersecurity attack https://news.sky.com/story/mcdonalds-customers-in-uk-say-restaurants-are-closed-after-it-outage-reported-in-countries-across-the-world-13094645 Another In-N-Out franchise shuts down weeks after previous closure https://www.dailymail.co.uk/news/article-13197517/amp/in-n-franchise-shuts-closure-california.html Oregon governor’s wife says she is a mentally-ill alcoholic, days after nepotism scandal exploded over her being given official job and police detail while facing bullying accusations https://www.dailymail.co.uk/news/article-13244295/oregon-governor-wife-nepotism-scandal-accusations-bullying.html Magnum-owner to cut jobs and split off ice cream; Unilever is to shed 7,500 jobs worldwide and spin off its unit which makes Ben & Jerry’s and Viennetta https://www.bbc.co.uk/news/business-68595206 Tyson hiring migrants while laying off US workers https://www.foxnews.com/media/tyson-hiring-migrants-laying-off-us-workers-decimation-american-dream-top-republican Tyson Foods Hiring 42,000 Migrants? Actually, It’s Worse Than That https://archive.is/SdbWo Video: Tyson Foods to hire 52,000 migrants after massive layoffs in Iowa (Audio) https://youtu.be/DpaRIKX06XQ Miller case inspires a constitutional amendment for food freedom for all https://www.foodsafetynews.com/2024/03/miller-case-inspires-a-constitutional-amendment-for-food-freedom-for-all/ #MounseyMinute: Poll Of The Month – The power’s off. Grocery stores are empty. Gas stations dry. What will you do? https://gavinmounsey.substack.com/p/poll-of-the-month-the-what-will-you #MounseyMinute: The power’s off. Grocery stores are empty. Gas stations dry. What will you do? (Audio) https://mediamonarchy.com/wp-content/uploads/2024/03/20240327_MounseyMinute_3_PowersOff.mp3 Preparing For The 100 Year Storms; An exploration of what impact large scale solar events could have on our technological infrastructure (including telecommunications systems, power grids, modern vehicles and digital money systems). https://gavinmounsey.substack.com/p/preparing-for-the-100-year-storms Image: @Hybrid’s Cover Art – Gavin Mounsey?...

[deblala]

Major insurer gives brutal ultimatum to entire state: Let us put up prices by 50 percent or we will leave | Daily Mail Online

https://www.dailymail.co.uk/yourmoney/article-13590495/state-farm-california-rate-hikes-ultimatum.html