Working multiple jobs can be tiring and bring on major stress. But the recession means that fewer people have jobs and many incomes are lower. So as a result, overqualified people have had to take any job or jobs that they can, which means that many individuals work a few hours here and a few hours there to try and earn enough money to scrape by.
Mary Beth Sammons is one example of that.
She was vice-president at an internet company and made $110,000 for a 50 hour work week but she lost her job so and she now works two part time jobs. For 60 hours of work she makes $50,000. Sammons said, “I laugh to my friends that I successfully learned how to slice my salary by more than half but I’m working more hours.”
Sammons lost her job like thousands of Americans but she was lucky enough to find enough work to pay most of her bills. On the other hand, many haven’t been as fortunate. Approximately 7 million Americans work two or more jobs according to the Bureau of Labor Statistics. And most do it to pay the bills or maintain their standard of living. And the hours and work aren’t the only difficult thing, they also have to try and balance their personal and social life as well.
Eileen Applebaum a professor at Rutgers University said that “Many more women than at any time in our history are either the primary or sole breadwinner in their families. The persistent pay gap between men and women and the greater incidence of part-time work for women means that women are more likely to need more than one job just to make ends meet for their families.”
So today more than ever women are trying to provide and that means that more women are fighting over the jobs in the sectors women generally dominate in like education and health. And more women are looking for any job they can since the recession led to the loss of high paying jobs in traditionally male sectors. This places more pressure on women to provide, and many need more than one job because they earn less than a male doing the same job.
But a major problem facing individuals with two jobs is that many miss out on the benefits that come along with full time jobs. So women are in lower end jobs that don’t typically give health insurance or paid sick time so if anything happens they could easily lose their jobs but one nice thing about multiple jobs is that if individuals lose one job they’ll still bring in some income with the other one. However, working multiple jobs can be extremely challenging and stressful for any anyone.
When people start losing their jobs that’s bad news for real estate, because then they start losing or selling their homes in large numbers, which means there is a greater supply and the demand goes down cause they don’t know what the future holds. When the economy is rocky one of the last things to recover is the real estate market.
Despite the recovery and all of the money that the government has pumped into the housing market it is still at risk of collapsing. Home sales have slid down for the third straight month in a row, which means that fewer homes are selling and foreclosures continue to rise. And mortgage rates are likely to increase when the Federal Reserve ends the program that has kept them down.
So even though there are signs that the economy is gradually improving, the real estate market could really affect the growth that has been occurring. Because people whose equity is steady or shrinking are more likely to reign in their spending and spend less. And this will have an impact on the economy. The federal government has already given a lot of money in order to try and help homeowners but the problems continue to grow.
The government and many companies are trying to take steps to help out the real estate market. Bank of America unveiled a $3 billion plan that would help troubled borrowers. And it will forgive up to 30 percent of their total mortgage balance if the mortgage principal on home values dropped significantly below the amount owed. The bank expects around 45,000 borrowers to qualify for the program.
Government has held mortgage rates down and provided tax breaks to buyers but those programs will soon end and then the market will largely have to fend for itself. However, the federal government just gave $600 million in housing aid to five states including Ohio, North Carolina, South Carolina, Oregon, and Rhode Island. And last month the Obama administration said it would give $1.5 billion to state housing to five states with the highest foreclosure rates including Arizona, California, Florida, Michigan, and Nevada.
States with the highest economic distress that met the government’s criteria were eligible to receive additional funding. The real estate market is really in trouble. There are too many homes on the market and not enough buyers, so many people are just walking away from their homes and the banks get stuck with the homes. There have been a lot of efforts to prevent homeowners from losing their homes that they can no longer afford, but there have been minimal results. The real estate market is on the verge of collapsing and that could really affect the economy’s recovery as whole.
Looking for scholarships online and then reading out articles in an attempt to find out which one you actually need can be pretty time consuming. What you should do instead is switching to easy scholarships.
This can be done very easily. Follow these tips and your fears about easy to obtain scholarships will be solved.
Whenever you are on a scholarship website, the first things you need to take into account in order to know whether or not that web site will provide you with what you want are the content and connotation. It is rather important that you find the right content for your searches. Secondly, you need to find a website that is easy to navigate.
So how will you do it?
Well, before everything, if you are on a website that deals with scholarships but you didn’t discover what you were searching for, even after reading for five minutes, well, in that case it is pretty evident that you’re wasting your time with that specific site. If a website is good and instructional, it shouldn’t take more than 5 minutes of your precious time to find the needed information.
Seriously now, easy scholarships ought to be easy to come across and acquire. After all, that’s why they call it easy.
While you seek for an easy scholarships website and you log into that web site but you aren’t getting relevant information to your searches, this absolutely won’t be the proper website that can assist you with your financial issues.
Anyway, there definitely are web sites about easy scholarships out there but just as with anything on the web, some things are simpler to find while others require deeper research. What’s essential for you is to not give up.
Should you stumble upon such a great website about scholarships that you feel it helps, a very important thing to do after finding it is to inform other individuals about it by means of social networking websites and communities. This may seem useless to you and you may be right, but it can really assist others who are sailing in the same boat with you. This will undoubtedly save their time by letting them go straight to the source by not wasting time searching and by omitting the pointless sites.
One other key aspect of doing this is because the website that you found worthy may be unknown because of many causes like poor marketing, limited exposure or targeting the wrong viewers. But in posting their URL in different places on the web you’ll help other individuals discover relevant and of high quality information easier.
As for the easy scholarships, they’re easy because they’ve been put together by community groups and local businesses.
They may not offer you enormous education funds but at least they are easy to find and apply for. And it’s at all times recommended to find guidance from a counselor who can aid you with the proper ones and keep you away from any dingy ones.
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Want to know how students pay for college? There are a couple of different options available.
1) Parents! Probably the most common method, dipping into your parents’ wallets is also the cheapest and easiest (for the student anyways).
Unless the parents are huge into business or financial responsibility, usually it’s more of a gift than a loan, so the student doesn’t have to worry about being financially burdened forever- pretty nice!
However, reality is a lot of parents can’t afford it, or would rather the student find another way.
2) Student loans are another very common method. Although they do have to be paid back eventually, they usually have very low interest and flexible repayment plans.
While these feel great at the time (look at all that money that just went into my account!), don’t forget that you WILL have to pay these back, and even at 5% rates, the interest on those thousands of dollars in loans add up.
3) Get a part-time job. This is what I personally did for most of my college career, as well as several of my friends. You can wait tables, work on campus somewhere, landscaping or construction, or other similar work.
The extra income is always nice, but if you have an inflexible schedule and a lot of tests or reports coming up, it can be tough to balance everything.
4) OWN a part-time job. This is the method I have recently started embracing, and I highly recommend anyone really searching for ways how students pay for college to look into.
What do I mean by this? Start your own small company. There are lots of options, but probably the cheapest is doing business online through affiliate marketing.
Affiliate marketing is basically where you sell someone else’s product and you earn a commission. All of the hard stuff is handled by the company- all you do is sell the product!
This isn’t a “make $1,000,000 in one month” kinda scam- it’s a method that thousands of people are using every day to make extra money. Some even do it for a full-time living!
Here’s a few reasons why it’s great for college students:
1) Low startup investment. Usually you can start for free, and at most you’ll pay $100-200 to start your business. What other kind of business can start at those prices?
2) Free methods of marketing. Compared to billboards and television ads which cost thousands and thousands of dollars, you can market to a much bigger audience for free! Not bad huh?
3) Flexible hours. No commute. No boss yelling at you for being late. You are the boss! Work at 6 am if you’re an early riser, or midnight if you’re a night owl. Either way works.
4) Bragging rights. Wouldn’t it be cool to be able to say “I make money on the internet?”
I hope this article shared some helpful ways how students pay for college. Personally, I’m biased towards owning your job through affiliate marketing. You’ll learn skills you can use the rest of your life, and not have to take out as much financial aid (chances are unless you’re a marketing wizard you won’t strike it rich right away!). What do you have to lose with trying?
About the Author
Justin Stowe is an entrepreneur who had to pay for college mostly using student loans, but today is helping others through http://www.payforcollegeyourself.info. If you are serious about NOT taking out thousands in loans, find out how to make money yourself!Click Here.
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Attending computer trade schools can help you build a career in the computer systems industry. There are so many jobs within the information systems field that you need to keep your options open in case a particular position requires education for that job.
You particular interest may be in web design or graphic design but with a computer science degree, you will be trained on many aspects of computer field.
You also may want to focus on any computer experience and combine that experience with your education to give yourself a leg up on the
Take a look at some of the modules that they will be offering you if you decide to attend a trade school for computers:
1. web design
2. computer networks
3. PC maintainance
4. software development
5. network securities
At ITT Tech each of these classes were offered along with more indepth subtopic classes for each of these modules. The job I actually got however was for PC maintainance even though I would have liked to get a job in website development. I probably got the PC maintainance job because I worked as an intern fixing computer motherboards for a company while I was attending ITT Tech.
So when you attend a specific computer trade school keep in mind that there will be many avenues that you can head off in. All matters on what job that you are interviewing for.
Assuming that the jobs that you submit your own resume to are jobs that line up with what you like. The degree will help you solidify your chances of getting the position and any experience will help that much more.
Another good idea once you have received your degree is to after computer certification courses. The combination getting your degree, obtaining certification certificates along with hopefully getting a position as an intern can really fill out your resume nicely especially when you are looking for that
first job out of trade school.
As you can see, you want to present a complete package when you start to submit resumes and go on interviews for various companies. You never know which companies will call and what type of jobs they will ask you to do. It’s always better to be diversified to cover as much as your skills and education can help.
You do this because it’s not just about going to a computer trade school and then getting a job in the computer field. Sometimes you have to go the extra mile and list some experience even if it’s small projects like this one.