Essay on “Higher Education Without Higher Interest Rates”

The current state of the economy has spurred a debate as to what type of education is worth the time and study that students invest. Some contend that students should attain degrees in more quantitative subjects, such as math and science. Others state that vocational degrees are best in this economy. Personal views aside, a central tenet is clear—a college education, often complemented by postgraduate education, is the reliable path to success for most Americans. That being said, there are still several real-life obstacles that impede access to such an education. There are several, specific public policy initiatives that can help alleviate these hindrances. In order for Americans to have more job opportunities with higher wages, Congress†¦show more content†¦In other words, higher education is valuable but expensive. Most would agree that higher education encourages ingenuity and critical thinking—attributes which are valuable in any profession. Though people l ike to cite Bill Gates or Mark Zuckerberg as not finishing college but finding once-in-a-lifetime success, the rule remains that those individuals are the exception, not the rule. Having a college degree makes attaining a higher paying job possible. Clearly higher education pays off, but there are some people who do not have enough money to pay for college. Only thirty percent of Americans have earned a college degree. This number does not seem staggering, but when compared with college tuition debt to credit card debt, the results are stark. In general, Americans have more college tuition debt than credit card debt (State of the Union). When considering an average college graduate and his or her consumer/credit debt, it is easy to see why the student loan burden is one that students find increasingly difficult to confront. This is worsened by the current state of the economy, where educated men and women have difficulties finding jobs because of the market. As a result, they are st raddled with student loan debt. This debt, coupled with consumer debt and dim job prospects, are a burden which can easily become overwhelming for the average 22 year old (Federal Student Aid). The fact that institutions of higher learning have added to their tuitionShow MoreRelatedThe United States Will Suffer An Economic Catastrophe887 Words   |  4 PagesUnited States needs any assistance from others. For years it has been speculated that without the help of China buying U.S debt, they will be in a huge deal of problems. That is extremely exaggerated being that the U.S. have many other investors but it is important to note that China is a very huge part of our economic success. Without the help of China we can truly look forward to higher interest rates, higher inflation and crowding out private investment. I do agree that the United States needsRead MoreAnalysis Of The College Board s Trends On Higher Education Series1708 Words   |  7 PagesBaum, S., Ma, J., Payea, K. (2013). Education pays 2013. The College Board. This report is part of The College Board’s â€Å"Trends in Higher Education Series† that are published annually to provide evidence to policy makers to help aid in decision making. It includes comprehensive data and charts that show that higher education does pay off for graduates. The authors discuss the benefits of higher education both for the individual and for society as a whole. The benefits that are discussed inRead MoreEconomics of College1048 Words   |  5 Pagesit is difficult to find a job without a degree. The need for a college degree is growing, as is the cost. The unemployment rate representing people who have not graduated college is currently 7.3%. 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One of the problems that undocumented immigrants have to face is the low college acceptance rates because they do not have legal documentationRead MoreThe Politics Of Hispanic Education Essay1090 Words   |  5 Pagesto achieve a higher education but has also made it difficult for Latinos to escalate at a at a higher pace towards their dream career. In the Book, The Politics of Hispanic Education: Un Paso Pa lante Y Dos Pa tras, by Kenneth J. Meier and Joseph Stewart, the authors claim, â€Å"If Hispanics are denied equal access to education and, as a result, receive less formal education or receive education of inferior quality, then discrimination in other areas is much easier. Without education, a person mayRead MoreMaking A Decision For A Higher Education Essay1729 Words   |  7 PagesMaking a decision for a higher education can be challenging.   But, understanding the ROR (return on investment) can be an influencing factor to a good decision in pursuing a higher education.   An economic evaluation displays an ROI (return on investment) for an analysis.   An economic evaluation that broadly considers how to optimize the production of particular outcomes within budgetary constraints, given certain inputs, can guide such choices (Hummel-Rossi Ashdown, 2002).   However, there mustRead MoreStudent Debt Crisis1380 Words   |  6 Pagesother types of loans in that the interest rate may be substantially lower and the repayment schedule may be deferred whil e the student is still in education. It also differs in many countries in the strict laws regulating renegotiating and bankruptcy. There are two types of student loan that can be applied which are federal student loan and private student loan. Basically, students are more prefer to make a loan in federal student loan because the fixed interest rate wouldn’t affect the payment thatRead MoreCollege Debt Is Increasing Number Of Students1390 Words   |  6 PagesOver the last several decades, rising tuition rates and changes in federal and state policies, an increasing number of students are turning to college student loans. As a result of these changes in prices and policies, the percentage of undergraduates borrowing has increased from 37.8% to 46.2% for public 4-year institutions and from 48.5% to 58.9% for private institutions. 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Considering the economic education students receive at home, to the decisions they personally make in college, banks and politicians will determine whether or not students will be able to escape falling into debt. New students begin college blindly because they aren’t aware of

Increase Student Achievement And Increase Teacher...

Abstract This topic brief is going to look at performance pay and if this type of program can be used to increase student achievement and increase teacher accountability with maintaining a positive culture. This is currently a hot topic in many states and there are states that are looking to adopt this program and some states are dropping it. In some schools this type of program has proven to raise student achievement, but people argue that although these schools have had success, there is little evidence that shows that the results are sustainable for long term success. Keywords: student achievement, merit pay, teacher accountability Performance Pay Program I chose to focus on this topic because it is a topic that I have strong feelings about when it comes to education. It is a topic that is highly debated in our country and is a program that is said to fix the problem that some say we have in public education. In fact, we see this topic being discussed by the President and Secretary of Education as they have instituted the 4.3 billion dollar Race to the Top to enforce student achievement data into teacher evaluations and help enforce the concept of pay for performance. In this paper, we are going to look at performance pay and how we use student achievement to base a teacher s effectiveness and if it is truly an effective way of helping increase our nation s educational success. The United States is usually compared to other countries thatShow MoreRelatedAccountability Is The Assignment Of Responsibility For Conducting Activities970 Words   |  4 PagesWhat is accountability in education? According to educ ation.com, â€Å"Accountability is the assignment of responsibility for conducting activities in a certain way or producing specific results† (Thurlow, 2009). Accountability is a word heard every day within the school system. Everyone that has anything to do with education has to be accountable for the results of what is happening in our system. Responsibility should be shared; however, in education that is not always true. Every profession isRead MoreMajor Findings From The Campus Equity Audit1714 Words   |  7 PagesEquity Audit Richard J Wilson Elementary School has 576 students. The population consists of a student body that is 96.5% Hispanic, 0.9% African American, 2.4% white, and 0.2%. The school employs 33 teachers that have been with the school an average of nine years. Altogether, the teachers average 10 teaching years of experience. The student-teacher ratio is 17.3 students for every teacher. The special education division has two assistant teachers. In addition, the elementary school also employs fiveRead MoreEssay on The No Child Left Behind Act1440 Words   |  6 Pagesindividual students, as well as bridge achievement gaps between students. 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This process requires a commitment from allRead More No Child Left Behind Will Reform Our Educational System Essay1748 Words   |  7 PagesChild Left Behind, is a landmark in education reform, designed to improve student achievement and change the culture of Americas schools. Bush describes his plan as the cornerstone of my administration (Rebora). At a time of wide public concern about the state of education, the legislation sets in place requirements that reach into virtually every public school in America. The law emphasizes accountability, teacher quality, parent choice, improved teaching methods, and flexibility. (Correa)Read MoreMajor Findings From The Campus Equity Audit1702 Words   |  7 PagesEquity Audit? Richard J Wilson Elementary School has 576 students. The population consists of students that are 96.5% Hispanic, 0.9% African American, 2.4% white, and 0.2%. The school employs 33 teachers that have been with the school an average of nine years. Altogether, the teachers average 10 teaching years of experience. The student-teacher ratio is 17.3 students for every teacher. The special education division has two assistant teachers. In addition, the elementary school also employs five educationRead MoreOur Students Are Our Future910 Words   |  4 PagesOur students are our future. Our alumni will eventually run our nation and they are what our world will come to depend on. It is our job to successfully teach them and equip them with the skills they need to live successful lives and teach their future generations. Currently we are not completely fulfilling our responsibility. Many of us only see the problem in our teachers, but it s not totally their fault. Our entire system is corrupt , from the standardized tests to the curriculum. The systemRead MoreIntroduction. A Resounding â€Å"Thank You† Is Directed Toward1514 Words   |  7 PagesState Standards (CCSS) Initiative. CCSS is set of quality academic standards in math and English for grade levels K-12 that outlines what a student should have learned at the successful completion of each grade. Ultimately, the CCSS levels the learning field for students across America, regardless of social class, race, or disability by requiring all students to meet the same standards of quality education. Statement of the Problem The popularity of the CCSS falls onto a spectrum. One end favorsRead MoreThe Pros And Cons Of Standardized Testing1085 Words   |  5 Pagesthe relative performance of students. A critical addition to education, standardized testing was a major step towards regulating a student’s achievements, ensuring the accountability of teachers, and guiding a school’s curriculum. Despite this noble aspiration, since the enactment of the No Child Left Behind Act and afterward the Every Student Succeeds Act, which made standardized testing mandatory, American education has depreciated due to its unfair judgment of students’ learning, the narrownessRead MoreStandard Based Grading And Academic Achievement Among Students With Individual Education Plan1700 Words   |  7 PagesGrading and Academic Achievement among students with Individual Education Plans Nesha Sanders University of the Cumberlands Chapter One: Introduction This study will describe how standard based grading can affect academic achievement in students that have an Individual Education Plan (IEP). Standards-based grading measures as student’s proficiency based on their ability to perform a skill set forth by a state standard. When standards-based grading is implemented students are given clear cut

Recommendation Of Business Strategy For Samsung

Question: Describe about theRecommendation of Business Strategy, Samsung?. Answer: Recommendation on Business Strategy Company: Samsung Korean conglomerate Samsung is global leader in electronic and telecommunication the company is retaining its presence in all the continent of the world as a product and service provider. In mobile phone industry it has grab the market with smart phones in this sector it is the close competitor of Apple. Supply chain management system of the company is one of the factors of the competitive advantage. The recommendation has been stated in this paper on the basis of its present strategy and the market performance. Optimum strategy for global market: 1. Gain Competitive Advantage through Vendor Specification The group has demonstrated its excellence in supply chain and made clear indication of developing competitive advantage out of this. It is the time to concentrate on vender specification on the basis of local economy. 2. Opt for Tax Sanctuary as Global Location There are some area in globe those may offer advantage of tax sanctuary to the group, such as California, USA. The selection of geographic position must be done on the basis of past business relationship between the specified location and the groups country of origin. 3. New Gaming Monitor for France French computer peripheral is not that conducive enough to explore. The demand for laptop is electric in nature. The demand for the product is highly responsive to the market price. Desk top sales have dropped considerably. Since 2014 monitor sales started to recover due to the demand from gamers Samsung need focus on this development and make penetration in this market segment. 4. Reduce Investment for India As a member of emerging economy India is conspicuous for its population. Computer sales have dropped 6% in total volume in2015. National government is no longer taking initiative to distributing free laptop to the students. Drop of unit price couldnt contribute any improvement in market trend. In this market scenario company shouldnt pay much investment for Indian market. 5. Innovate Improve Tablet for Africa Africa has exhibit an optimistic picture in terms of market growth. Tablet is in focus point of this development. Unit price for tablet is getting decline but the demand has been noticed in this segment but most of the market share has been taken by Apple by the quality of their product. Samsung need to improve their product and reduce their productto gets the market. 5. development of Strategic Communication The company is developer of telecommunication equipments are there under the service category advertisement construction entertainment, financial services, hospitality information and communications technology, medical and health care services, retail and ship building is failing. Brand presence does substantiate the credibility of the company to the grater mass, the importance of the brand communication become relevant here. The advertisement and the mass communication tool need to get use according to the corporate strategy to develop a mass response for the international standard product or service 6. sustainability through Standardization Since the inception throughout the development years company propagated its reliability as a brand to the customer. According to the holistic approach a brand is much more than product (Ambler and Styles, 1997). Product standardization can help the company to gain the sustainable reliability. 7. Facilitated Customer Loyalty This company has enshrined its name as worlds first maker of LCD screen display panel, and eventually become worlds largest manufacturer of that. After attaining establishment as a global brand in world market the company has started to enjoy the associated attributes of that status. Global brands are associated with prestige (Han, 1990). This association makes the company closer to gain a comprehensive customer loyalty (Kapferer, 1997). In order to ensure this the company needs to opt for end customer generalization. 8. Loyalty through Emotional Bonding Consistency of the success can offer a strong emotional bonding between the brand and its stake holders the company should make an attempt to get leverage from this. 9. Gain Synergy through R D As well as marketing development too. Gap identification is one of the cardinal finding in marketing research. If the evaluation of the value proposition has been dome on the basis of the financial result contemporary research is saying that this result can be treated as financial hypothesis of the value proposition made by the company ((Kohli and Jaworski 1990). From this context company need to distinguished itself from its previous position of homogeneous product developer as the competitors to a solution provider of leant demand in the market. 10. Improve Exclusiveness The exclusiveness of the value proposition will be the optimum product leadership strategy in this juncture. Consumer prefers to be with the latest technology rather than a brand. The strategic RD of the company is helping it to become the initiator of certain advance technological trend the suggestion can be given in this regard that the company can quote a comparative price and lowering the initial offering. This model of pricing will help company to gain dominance over the market and keep it ahead from other competitors. Competitive market place determines the effectiveness of the four Ps of marketing in a relative value but not the absolute. Strategic decision regarding pricing demands instant reaction from competitors side and that is the epitome of commutative reaction among the firms (Sudhir 2001). According to history of the firm there is an obvious trait that can get noticed it is as a brand Samsung tend to introduce new product or improve representation, after considering this it seems price leadership will lead the company to the product leadership. Emotional bonding can lead towards customer retention and sustainability of the patronage. From the perspective of offensive marketing it can be said that sales is the only means to improve market share, but some scholars has been identified that sales is the result of promotional activity and some other variables (Rust,and Zahorik1993). Pricing belong to those and that can lead the firm such as Samsung towards a sustainable relationship with the customers and that must be the future global strategy for the organization. In the case if Samsung brand positioning can get described by Maslow Pyramid. Abraham Maslow described the structure of human aspiration by a graphical depiction of a pyramid where the self actualized status is the highest of the human attainment (Wahba and Bridwell 1976). The subjective nature of the term can get articulated as the graphical representation of apex of attainment. To justify its stand in this regard the company need to reinvent it self. Conclusion: As a global brand Samsung has traverse long way and establish itself in a prominent position. Being a global conglomerate the brand evolution is the representative if the future development. The brand itself is the market leader of the technology market and strong competitor of Apple in mobile phone market. The enriched status of the brand is waiting to get evolved in a higher level. The future strategy of the company should be equipped to address higher demand of quality customer and this can offer a conspicuous position and sustainability in the market. Reference: Ambler, T. and Styles, C., 1997. Brand development versus new product development: toward a process model of extension decisions.Journal of Product Brand Management,6(4), pp.222-234. Han, C.M. and Terpstra, V. (1988) 'Country-of-origin effects for uni-national and bi-national products', Journal of International Business Studies 19(2): 235-256. Kapferer, ].-N. (1997) Strategic Brand Management, 2nd edn, Kogan Page: Dover, NH. Kohli, Ajay K. and Bernard J. Jaworski (1990), Market Orientation: The Construct, Research Propositions, and Managerial Implications, Journal of Marketing, 54 (April), 118. Rust, R.T. and Zahorik, A.J., 1993. Customer satisfaction, customer retention, and market share.Journal of retailing,69(2), pp.193-215. Sudhir, K., 2001. Competitive pricing behavior in the auto market: A structural analysis.Marketing Science,20(1), pp.42-60. Wahba, M.A. and Bridwell, L.G., 1976. Maslow reconsidered: A review of research on the need hierarchy theory.Organizational behavior and human performance,15(2), pp.212-240.