In today's knowledge-based economy, a college degree is a necessary qualification for entry to the middle class. Over the last 30 years, as real wages for workers with only a high school diploma have fallen, the life outcomes for those with college degrees have diverged from those with only high school degrees.First find out what College is going to cost you, then choose what your major will be.
Creating A Financial Plan
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Be Smart – Check Your Real FICO® Scores
Checking your real FICO® scores and credit reports is the best way to get an accurate picture of how lenders see you.
Use this site and try different scenarios to figure out your life's interest rate.
* When you apply for credit – whether for a credit card, a car loan, or a mortgage – lenders want to know what risk they’d take by loaning money to you.
* FICO® scores are the credit scores most lenders use to determine your credit risk. You have three FICO® scores, one for each of the three credit bureaus - Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well.
* Your 3 FICO® scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time.
* Taking steps to get your FICO® scores in the higher ranges can help you qualify for better rates from lenders.
Savings Example
The higher your FICO® scores, you the less you pay to buy on credit – no matter whether you're getting a home loan, cell phone, a car loan, or signing up for credit cards.
For example, on a $150,000 30-year, fixed-rate mortgage using today's national rates, a person with FICO® scores of 760 or better will pay $-761 less per month for a $150,000 30-year, fixed-rate mortgage than a person with FICO® scores below 620 – that's a savings of $-9,132 a year. You can see how essential it is to get your scores in the higher ranges if they are low, and also how important it is to keep them high if they are good.
Quia - Class Page - HORLICK HIGH SCHOOL ONLINE - SOCIAL SCIENCES DEPARTMENT
WELCOME TO THE WEB PORTAL
FOR MR. DOUGLAS A. ROTHSCHILD
OF THE KOFA SOCIAL SCIENCES DEPARTMENT !!
Mr. Rothschild is a social sciences teacher at Kofa High and an Adjunct Professor at Arizona Western College / Northern Arizona University . Below you will find links to each of Mr. Rothschild's classes at Kofa High . Click on the links to access the class web sites .
Links to a number of important resources for parents / guardians and students are also located below . If you are truly interested in beginning to obtain a thorough understanding how our world works , you will want to read each of the publications highlighted in the top 10 reading lists for economics and government / politics .
IF YOU HAVE A STRONG INTEREST IN TAKING AP ECONOMICS AND / OR THE AP UNITED STATES GOVERNMENT AND POLITICS COURSES IN THE 20010 / 11 ACADEMIC YEAR , PLEASE DOCUMENT THIS IN WRITING BY LETTER OR EMAIL ( SEE THE UPPRE RIGHT CORNER OF THIS WEB PAGE ) TO MR . ROTHSCHILD
HERE IS WHAT WE BELIEVE IN AND SOME ADVICE FOR ANYONE WHO HAS BEEN TOLD THAT THEY CAN NOT , OR SHOULD NOT , ACHIEVE :
" It is not in the nature of man to start out by giving up , by spitting in one's own face and damning existence ; that requires a process of corruption whose rapidity differs from man to man . Some give up at the first touch of pressure ; some sell out ; some run down by imperceptible degrees and lose their fire , never knowing when or how they lost it .
Then all of these vanish in the vast swamp of their elders who tell them persistently that matruity consists of abandoning one's mind ; security , of abandoning one's values ; practicality , of losing self esteem .
We must always strive to show as many as we can that the fire is not to be betrayed . We muest teach how to give the fire shape , purpose , and reality so that they can achieve the full reality of man ' s proper stature and of life's potential . " ~ Ayn Rand
" Our deepest fear is not that we are inadequate . Our deepest fear is that we are powerful beyond measure . We ask ourselves , Who am I to be brilliant , gorgeous , talented and fabulous ? Actually , who are you not to be ? We were born to make manifest the glory of God that is within us . And as we let our own light shine , we unconsciously give other people permission to do the same . " ~ Marianne Williamson
“ No matter what you want to do with your life – I guarantee that you'll need an education to do it . You want to be a doctor , or a teacher , or a police officer ? You want to be a nurse or an architect , a lawyer or a member of our military ? You're going to need a good education for every single one of those careers . You can't drop out of school and just drop into a good job . You've got to work for it and train for it and learn for it . . . .
But at the end of the day , the circumstances of your life – what you look like , where you come from , how much money you have , what you've got going on at home – that's no excuse for neglecting your homework or having a bad attitude . That's no excuse for talking back to your teacher , or cutting class , or dropping out of school . That's no excuse for not trying . . . .
I know that sometimes , you get the sense from TV that you can be rich and successful without any hard work -- that your ticket to success is through rapping , or basketball , or being a reality TV star , when chances are , you're not going to be any of those things . But the truth is , being successful is hard work that takes dedication and effort . ” ~ President Barack Obama
