school

Why a University Education?

The world in which we live is constantly evolving. We are demanding more and more from our citizens than ever before and in order to live up to the demands of the world, we need a solid education upon which to base our skills and knowledge. There are many alternatives available for receiving an education these days, which is good news for those who have not yet managed to obtain a four-year college degree. Truthfully, that degree is the difference in literally hundreds of thousands of dollars over the course of a lifetime than not having a degree.

Four Reasons for a Four-Year Education

Money. The first reason that you should consider a university degree is a fact that it will substantially increase your earning potential. If nothing else appeals to you, this is typically the one reason that most people return to school after years in the workplace. If you are in high school and haven’t really had to deal with the bills and burdens that many adults face it’s difficult to explain how important any edge when it comes to earning ability truly is. However, you should be aware that you need to choose your major wisely if money is your sole motivation. Not all careers pay equally when compared to the education required to enter them.

Insurance. This may seem like a strange term to use when discussing why you should get a university education, but this is perhaps the best insurance you can find as far as employability goes. Having a university degree gives you a competitive edge over those who do not. In many cases, you will find that education is beginning to trump experience as employers are seeking workers with more rounded skills rather than those with very specific skills. The modern university typically requires a brief exposure to all kinds of information and coursework that isn’t necessarily related to your major. This provides graduates with a broader understanding of the world (at least that is the assumption).

Employability. Believe it or not, those with degrees are much more employable than those that do not have them. There was a time when the trend was to employ those who had experience over those who had an education. That trend is rapidly evaporating as companies want employees that can fill multiple roles more and more often. The limited exposure to certain ideas or ideals and principles that most people receive as part of their university education makes you a more employable candidate because you should be able to adapt and adjust, as this was required during your educational process.

Confidence. There is nothing quite like believing in yourself. Getting a four-year education is one way to build confidence not only on a personal level but also on a professional level. Whether or not you realize it, this is often the best reason for pursuing a university degree. This reason, as a matter of fact, will affect all the other things I mentioned above. If you have more confidence in your ability you will be more willing to go out there and get the job done. As a result, you will earn more money and you will ensure that you are an asset to your company by proving yourself to be just that.

Regardless of your personal reason for pursuing a university degree, there are very few wrong reasons to get your degree. Good luck in your educational pursuits. I know they will serve you well.

We hope this information was beneficial. You can have anything you want if you are enthusiastic about putting in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips!

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Your Guide on How to Be Debt Free

Debt is something many people all over the world struggle with, and many want to know how to be debt free. Today you can’t afford to spend cash on everything, and sometimes you must use a credit card or get a loan. But if the unexpected happens and you’re unable to pay back those debts it can spiral out of control.

An illness, some time off from work or even an unexpected household repair that requires you to use your credit card can all be reasons for you to find yourself with more debt than you can handle.

There are many options available to you such as debt counseling services, debt consolidation, and even bankruptcy. But before you do anything that drastic take some time to try to fix your debt situation on your own.

It is possible, even without adding income, to pay off your debt. It will take time and it will take discipline but if you are committed to living a life without any debt you can do it.

Below is a step by step plan that will help you to get rid of all your debt. It isn’t a quick fix, but it’s realistic and has worked for thousands of people, and it can work for you too:

1) Make yourself a detailed list of all your debt. Add everything, even the smallest of debts should be added to this list. This list should include your monthly household bills (such as house payments, insurance, utility bills, etc. etc. etc.) in one column and your debt in another column.

2) Make a very detailed budget for all your monthly expenses. Be sure to have enough so you can make at least the minimum payments on all your debt.

3) From the lists, above pick the smallest debt as your target. Pay as much towards this debt as you can without cutting payments on your other debts. Once you manage to pay off this debt completely, take that money and apply it to the next smallest debt. Keep doing this again and again until your debt is all paid off. Doing this will allow you to pay off all your debt, even if you can’t get extra money coming in.

This method works, it just takes discipline. You’ll have to make sacrifices if you want to be debt free. That means making a reasonable budget and sticking to it. But if you stay disciplined, and keep at it, you will eventually find yourself out of debt which will bring you peace of mind and will make all the sacrifices seem worthwhile.

You can have anything you want if you are willing to put in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips! In closing, We invite you to share your comments on this subject and the other posts. If you find the information useful, Like & Share us on Facebook, Google Plus and other social media platforms. Remember to keep an open mind and Shift 4 Freedom.

Manage Money Without Depriving

It is a fact that there would always be a system wherein we will not be getting everything we want because of financial limitations. In short, we cannot have everything at the instant we would want it. There would have to be planning or if not, some careful deliberation about whether we would be getting the item we want or not. This is because sooner or later, finances would always fall short of the expenses. That is why we manage our money and budget for the things that we would want to acquire. Nevertheless, when we manage money without depriving, we would want to be able to enjoy a certain degree of satisfaction and fulfillment without compromising our savings.

Deprivation would mean curtailing our freedom to the point of not being able to enjoy some of our hard-earned resources. Though it is an irony that we are already limited with finances and yet would not want to be deprived, a balance of enjoyment and requirement is what dictates the existence of deprivation if ever.

Earn More

One of the most common means of people to raise the level of financial freedom is to earn more by working more. However, this is limited with the many social factors which include the degree of educational attainment, time, job availability, and often, personal accomplishments.

Some may get lucky to be in the lighter side of personal assessment by the human resource personnel and be accepted for a job despite the incomplete compliance of requirements. There are also some who, despite their educational attainment and personal socio-civic accomplishments, are still not able to land a job they desire due to a personal prerogative of the recruiter to not accept the applicant.

What this presents is a semi-random chance of a person to fully comply with all the factors which constitute the landing of another job than the current one.

Save More

A classic means of how to manage money without depriving is to focus on saving the excess money that flows in the household after deducting all the other monthly expenses and bills. Saving money means having money when the need for an important expense is required.

Saving more would merit to having more extra cash, but also poses a paradox in a way that when you save money, you are already keeping that for something projected as an event that could happen. In this manner, there would be a difficulty in using that fund intended for an important thing to be spent on something that would just be for leisure and satisfaction.

Learn to Be Content

The degree of limitation and deprivation on a person’s financial resources are dictated by the personal level of satisfaction. A person’s idea of contentment is the same as his perception of what he needs and wants. A person who is “want” oriented will always be seeking for things that may already be unattainable at the current financial level and would feel deprived of such. On the other hand, a person who is “need” oriented would be able to do away with leisure and may also feel deprived deep inside of finer things that may have been acquired.

The key to managing money without depriving is to learn to already accept what is possible to be attained and work from there. If there is a rather unattainable thing to spend money on, then that is the time the person should plan and think about the means to reach that and make that attainable.

Stress in Teens Causes Mental Health Dysfunction

People are stressed all the time. Although a lot of those stressful situations are felt by a teenager, proper management must be done to help the teenager cope up effectively. When stress enters the system and the mind can no longer handle the effects, mental health dysfunction can occur.

It doesn’t necessarily mean that the brain will stop working. However, it will not work as normal as it can be. There are a lot of stress factors that cause a person to feel discouraged and misunderstood. It might be a loss of a loved one, a massive surprising change in his life, being bullied or teased all the time, home problems and difficulties and school problems can bring so much stress to an adolescent.

What are the causes of stress?

It is a fact that most of the stressors in a child’s life are those which can’t be easily recognized by the guardian or the parent. These include:

First time or new time events like shifting from primary to secondary schooling, moving to a room that makes the child uneasy, meeting a new teacher that makes the child pees his pants, or moving to another location are some examples.

Homework that takes away playtime and requires a lot of time to do. Sometimes, teens also need attention and help with their homework but there’s no one around to lend a hand.

Unrealistic expectations regarding his or her performance in school even though he or she has already done well. This will invoke the fear of not being better.

A loss in the family is one of the major factors that a teenager needs to cope up most. The loss also refers to losing a father or mother through a divorce. This can raise an emotional fear that will bind him from the truth that it can happen to him when he has his own family.

Low self-esteem.

Watching stressful news, reading mindboggling articles like terrorists or natural disasters.

A long-term medical problem like diabetes or something short-term like a fractured bone.

A member of the family experiencing an acute or chronic medical problem.

Accidents.

Financial home problems which oftentimes becomes the reason to stop schooling.

Transitions like these can affect the entire mechanism of an individual. Even though your child seems to be very small to be stressed, they experience it too.

Dealing with stress can be difficult because it is the byproduct of everyday life and situations. One confusing thing regarding stress is that the symptoms connected to it don’t always follow immediately the cause of it. Another trouble about stress is that some may experience it and others don’t given the same kind of situation.

One ideal thing to do when faced with stress is to learn to cope. You must teach your teens how to cope with stress. These suggestions can also be useful to adults.

Letting your adolescent practice a healthy lifestyle which includes eating a healthy diet, having appropriate sleep and daily exercise.

Provide enough time to talk to your child about his or her day and how he feels about it. Communication is always the best outlet for negativity.

Set goals that are realistic and achievable for your child’s capability.

Talk to your child about decisions and options that can make certain changes in your family’s life.

Achieving mental health for your adolescent is possible only if you do your part as a parent.

Metal health can be connected to finance. You can have anything you want if you are willing to put in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips! In closing, I invite you to share your comments on this and all the posts. Like & Share us on Facebook and Google Plus if you find the information useful. Remember to keep an open mind and Shift 4 Freedom.