I have a great deal of experience with consumer economics. While at Ball State as an Instructor I taught a required general education Personal Finance course to over 1,000 students a year. We competed nationally in the America Saves Challenge and Ball State students, under my direction, were “Best in the Nation” 4 years in a row. We started a Debt Free student organization that connected students to alumni, scholarships, and resources on campus to minimize student debt. In fact, while I was at Ball State the average student debt at the University went down over 4 years. The Debt Free club won “Organization of the Year” and I won “Advisor of the Year.” Additionally, I have been published in many newspapers for my role in consumer economics. These included the New York Times, Philadelphia Inquirer, Money Smart, and over 200 other outlets
I bring a wealth of professional and teaching experience in economics. Professionally, I have worked for several years in various leadership positions. I also have served on numerous not-for-profit boards on personal finance including: Money Management International, the Consumer Federation of America and various military organizations. I have experience in the creation of innovative cases and exercises to help students understand course content.
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In fact, I am the product of diversity. I was raised in a multi-racial home with four adopted siblings, attended one of the most diverse high schools (Fort Wayne South Side) in the nation and embrace all that is good in individuals. I believe providing diverse standpoints in the classroom enhances education. In fact, I am finishing up research on the ability to remove gender bias in the consumer economics classroom and have data to further research on syllabus organization to enhance student athlete’s academic
Since graduate school I have identified that I have trouble writing papers on subjects that are not of interest to me. I struggle to remain focus, and I get writer’s block often. It has been established that when and individual has selective attention they are generally working at the basic levels of perceptual identification (Weber & Johnson, 2009). One solution that I have utilized was taking scheduled breaks from completing the assignment. This would include reading a journal or two with taking notes than take a break.
There is an established business with a name of Business Pub. This is an organization that requires educated and professionally skilled people to work positions at their organization. A lot of employees that work regular positions, such as administrative, human resource, sales and technology have a bachelor’s degree for the position he or she works. Yet, positions, such as executive, managers, chief executives and other leaders are required to have a master’s degree in the position he or she works. Executives in charge have faced a great deal of environment changes that need a lot of leadership and management skills.
Samantha Nyborg LEAP Writing 2011-05 September 15, 2014 Critique Draft Megan McArlde is a journalist and blogger who focuses most of her writing on things like finance, government policy, and economics. In her article “The College Bubble,” a magazine article published in Newsweek on September 17, 2012, McArlde writes about how the “Mythomania about college has turned getting a degree into an American neurosis” (1). She focuses a lot on the value of getting a college education, and makes an argument that all the time and money spent on earning a degree may not be worth it in the end. McArlde uses several strategies to appeal to her reader’s, and does a great job of effectively using the Logos, Pathos, and Ethos appeals throughout her article.
“As college students head back to the classroom this semester, a harsh reality confronts them - the rewards for the time, energy, and money that young people put into college are less than they were a decade ago”(Source C). Young college graduates have seen wages, deteriorate. This lack of wage growth has been surprising to those who have read about the ast unfilled need for college graduates. After gains in the 1980s and 1990s, hourly wages for young college graduated in 2000 decreases. For young college-educated men in 2000 hourly wages were $22.75, but almost dropped a full dollar $21.77 by 2010.
“The dream of a land in which life should be better and richer and fuller for every man, with opportunity for each according to his ability or achievement (Adams 1).” A 2002 study found that 17% of student loan borrowers reported their loans had a significant impact on their career plans.13 Today, after the economic downturn, ASA’s survey suggests that number has nearly doubled, as 30% of respondents said their student loan debt was a deciding factor or had considerable impact on their choice of career. In addition, 52% said they either strongly or somewhat agreed with the statement that their “need to pay student loan debt is hampering my ability to further my career.” One ASA survey respondent commented, “I need to have two jobs because of my student debt, and I cannot take employment opportunities that will not make enough money, regardless of the potential that they may have in the future (American student assistance 5).” Relates to definition because they need to have 2 jobs to be able to pay off student debt.
My parents always asked my brother, "How are you going to afford college with a McDonald 's salary?". College is expensive; every year we hear about the enormous amounts of loans college students will have at the end of the year. Due to this, society should encourage and keep allowing juniors and high school seniors to take Dual Credit classes in Pflugerville schools. Although scholarships and grants alleviate some of the costs, the amount of loans that students take out is very high; in 2010 "[student loan debt] outpaced credit card debt" (38).
Just how awful has the student loan strain become? Rhetoric of crisis influences the present popular discourse, while very few voices call for tranquil, noting the average number of student indebtedness is approximately equal to the cost of a new car. concealed by the aspect and attention captured headlines, though, it is a more embarrassing picture exposing that all classes and groups of students will not bear the increasing debt hardship equally: women, students of color, and Low-income household students are more greatly affected by this escalated debt. I have currently revealed the 30,000 dollars is the typical amount of debt that students will acquire after attending college for four years. Though the cost of college is increasing, a variety
Diversity is important in schools because everyone should feel welcome and have an equal chance. Studies using “real student applications at competitive
College debt is developing into an immense issue in the United States with about 1.3 trillion dollars worth of college debt across the country in 2015, which is about a 39% increase since 2011 (Redd, 2016; Goldrick-Rab and Kendall, 2014). This debt is not just piled on a small portion of people; according to Redd, “about 10 million college students took out student loans” in the 2012-2013 school year (2016). The average tuition at in
Many people dream of a life filled with riches, but that dream is hard to obtain without a college degree. It is somewhat ironic how people dream of being a successful student and going to college but the cost of tuition turns that dream into a horrible nightmare. It is not a shock to most people when they that college tuition is expensive, but in the past few years it has increased to an all-time high. Lower and middle class students have now begun to realize that college tuition is holding them away from their dreams. Even though college tuition could provide opportunities for job creation and economic growth, tuition is not affordable for the average American household which in effect, prohibits students from taking opportunities like going to college in the first place.
Student loans can be helpful, but when it's time to pay back, it can lead to future mental struggles and be stressful and hold you back from living the life you want to live in the long run. The student loan debt crisis in now only taking a huge toll on the personal lives of many Americans, but on the economy as well. Whether or not students graduate or not, if they pulled out student loans worth $200,000 they remain in debt for a remainder of years. As the problem continues to grow it becomes more and more critical to find a solution to help the well being of everyone in the nation, student or
My study in Home Economics has provided me with a broad spectrum of knowledge on many disciplines from nutrition to sociology that are relevant to this course. English has taught me how to use critical thinking skills
Society often believes college is a necessary experience for a better future, but I argue that the future will not be any better when student debt becomes a part of life for those who follow that mainstream belief. Most parents often dream of the great colleges and universities that their children will get accepted into; however, they fail to think of the cost to attend those institutions. Financial aids! Financial aids! Yes there are financial aids that students can apply to lessen the student debt.
The phrase “education being worth it no matter the cost” has been drilled into students as well as their families. This has led to student loans eclipsing a total of $1 billion every year, and in total reaches more than $1 trillion. While most loans don’t have to be paid off until after graduation, many students aren’t able to find jobs to subsidize the loan payments once they have
The student debt crisis has remained static for many years, and our future relies on the young people, like myself, to find solutions to our problems in education