Tag: economy

Dropouts Are Putting a Major Strain on Our Economy

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Despite all the efforts of every president from Kennedy to Obama, [high-school dropouts] are a blight on our society. According to DoSomething.org, [more than] 1.2 million students drop out of high school in the United States every year, [or roughly] 7,000 kids a day. [In 1970], the United States […] had the world’s highest graduation rates of any developed country; [our nation] now ranks [at] No. 22 out of [the world’s] 27 [developed] countries.

[Statistically], high-school dropouts commit 75% of our [nation’s] crimes. The unemployment rate for [these former students] is 9.1%; for those with high-school diplomas, it’s 5.8%, and [for those] with college degrees, [it’s] 3.3%. The average high-school dropout earns $20,240 annually versus $30,600 for a high-school graduate.

According to The New York Times, if we could reduce the number of dropouts by a little over half, this would yield close to 700,000 […] graduates each year. These […] graduates […] would obtain a higher rate of employment and earnings, […] would be less likely to draw on public money for healthcare and welfare, and less likely to be involved in the criminal justice system—[a]nd, because of the increase in income, [they] would contribute more in tax revenues. Each of these graduates over their lifetime produces a net benefit to taxpayers of $127,000 in government savings, [which] would benefit the public close to $90 billion each year. […] That is serious money and an easy issue that both Democrats and Republicans can rally behind to reduce our deficit while supporting funding for education.

Throughout the years, […] our leaders have made attempts to reduce the dropout rate through improving our educational system. Kennedy […] [desegregated] public schools to give all kids the hope of a better education. Johnson established Head Start so all kids would have a chance to start on equal footing. Carter upgraded the Department of Education to cabinet-level status. Clinton passed the “Goals 2000 Educate America Act,” which gave resources to states and communities to enact outcomes-based education with the theory that students will reach higher levels of achievement when more is expected of them. George W. Bush passed the “No Child Left Behind Act,” which worked to close the gap between rich and poor students by targeting more federal funding to low-income schools. Obama passed the $4.35 billion “Race to the Top” legislation, which has competitive grants supporting education reform and innovations in classrooms. Yet, we still have 1.2 million students dropping out of high school each year.

[A]ccording to The Arizona Republic, the 18,000 high-school [students who dropped out] this year will cost Arizona $7.6 billion over their lifetime. Phoenix, the country’s sixth-largest city, had the highest rate of youth disconnection among the country’s 25 largest metropolitan areas [in 2012], with 24% of its students dropping out of high school. [T]his year’s dropouts will cost Arizona $4.9 billion in lost income, $869 million in health costs, $1.7 billion in crime-related expenses and $26 million in welfare over their lifetime. On top of all [of] this, statewide, 22% of [those ages] 16 [to] 24 […] are [neither] working [nor] in school, [totaling] 182,000 young people.

The societal impact of our kids dropping out of school is devastating. Our schools know early on when many of these kids are in trouble. Key indicators include poor grades in core subjects, low attendance rates, failure to be promoted to the next grade, and disengagement in the classrooms, which would also include behavioral problems. [T]o save these kids, [o]ur government needs to invest in early childhood education. When students enter school without the needed knowledge and skills, they begin behind and just never catch up. Early childhood programs need to support the emotional, cognitive and social development of kids.

So what should our schools do to curb this enormous economic problem? Because many dropouts feel alienated from others and disconnected from the school experience, schools must ensure that all students have meaningful relationships with adults while at school. This obviously includes teachers and administrators but should include counselors, volunteers, and more paid and unpaid mentors. Schools must have individualized learning sessions and nontraditional options, [which] may include online learning and intensive tutoring programs. Also, students with disabilities, who are twice as likely to drop out as students with[out] disabilities, must be offered [more personalized] programs from Kindergarten [through 12th grade].

This is truly a grassroots effort in each community to lower our dropout rates. There are national programs to help on the local level. Communities in Schools, an organization that has been around for 30 years, […] helps bring community resources inside public schools […] for at-risk kids to succeed in the classroom and in life. The Boys & Girls Clubs of America provide programs, services, and a safe place to learn and grow and connect with adults. […]

Dropouts cause our society emotional pain because we all feel sorry for those less fortunate and struggling to survive, [b]ut the cold, hard fact [is that dropouts also] cause us economic pain that could be avoided. […] We have to get our schools the resources to go at this problem head on. Maybe if we approach our current congressional leaders that this is an economics problem, not a school funding issue, we can finally get their attention.

Original article here: http://www.huffingtonpost.com/marc-joseph/dropouts-are-putting-a-ma_b_5586176.html

Who Pays for Our Kids’ Education?

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CBS News reported there are 200 one-room public schools located in rural areas left in America. At one time, just about every child was taught in a one-room school. Our second president, John Adams, taught in a one-room school near Boston. Abraham Lincoln was educated at a one-room school. Henry Ford loved his one-room schoolhouse so much that he had it moved to a museum in Michigan. As late as 1913, half of the country’s schoolchildren were enrolled in the country’s 200,000 one-room schools, [b]ut after World War I, people moved into cities, and one-room schools began to disappear. […]

There are 54,876,000 kids enrolled in schools [today], of which 49,484,000 are in public schools, according to the Center for Education Reform. The student-to-teacher ratio is 16:1 in public schools and 11:1 in private schools. Total public school expenditures were $607 billion [last year], with 12.7% coming from the federal government, 43.5% from the state and 43.8% [from] local expenses. The average public school expenditure per pupil was $13,000, and the average teacher makes $49,630 a year.

If you step back and study all of these numbers, they are just so huge. The number of kids […] in our school systems, the billions of dollars we spend to keep up the learning, and the amount of buildings we construct—[it all] makes our educational system alone rank as the 21st largest economy in the world. […] [Nevertheless], New York City […] teachers […] spend $500 of their own [incomes each year] on pens, paper and other instructional materials [for their classrooms]. Taking the 3.3 million teachers nationwide spending [an average of] $500 [annually] to help their kids, and we have over $1.6 billion coming out of teachers’ pockets to keep our schools going. […]

[The] teachers I know tell me they want to do their part in changing the world one student at a time by working on their hearts and minds and guiding them to become literate, empowered, engaged and creative. These teachers are passionate about their jobs, which most feel is their calling in life, [s]o pulling $500 out of their own pocket to help others is just what they do in their selflessness to make a difference.

[A]sking our teachers to do this is not right, [though]. Whether we have kids in school or not, all of us must be concerned with the quality of education we are providing for the next generation, and, as concerned citizens, we must make a difference and help our teachers help our kids. The National Teachers Assistance Organization is taking donations to help teachers. Donors Choose, an online nonprofit charity group that matches donors and teachers for supplies and projects, reports […] a 30% increase in requests for help from teachers this year. [The] Start Donating [website] is [another] easy way to help teachers get what they need. […]

We are a well-educated society, so how did we get ourselves into this cycle of putting this financial burden and stress on the teachers who we entrust with our kids every day? Teachers’ classrooms should be a sanctuary of learning, maturing and growing our children into the next greatest generation. Instead, we have our teachers worrying about the funding for the basic functions needed to educate our leaders of tomorrow. From John Adams and his one-room schoolhouse to our modern-day consolidated schools, we are still making it difficult for these dedicated teachers to perform at their best. It is the teachers of today, like the teachers of our forefathers, with their dedication and determination, who set the example for their students by their actions of caring and giving. The rest of us need to support these public servants and ease their personal burden of doing the right thing for our kids.

Original article here: http://www.huffingtonpost.com/marc-joseph/who-pays-for-our-kids-edu_b_5512072.html

Helping Small Businesses—Lots of Talk, No Action

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The Small Business Act of 1953 established the Small Business Administration (SBA), which came into existence on the grounds that small businesses are essential to a free enterprise system. It was the intent of establishing the SBA to “deter the formation of monopolies and the market failures monopolies cause by eliminating competition in the marketplace,” according to the Congressional Research Service. Today, there are over 5.6 million employer firms who employ 113 million people with a total payroll of $5.16 trillion. Sixty-two percent of these employers have four or fewer employees, 89.8% have fewer than 20, and 98.3% have fewer than 100.

The SBA has 1,047 different classifications of businesses. The current definition of [a] “small business” is [a company] with not more than $15 million in tangible net worth and not more than $5 million in average net income after federal taxes. Overall, the SBA classifies 97% of all employers as “small business.” These same small firms represent 30% of our receipts in our economy, which means “big business” is still 70% of our economy. Back in 1953, when the SBA was established, the split was 34% […] “small business” and 66% […] “big business.” Not much has really changed over the last 60 years, despite all the rules, regulations and the formation of the SBA.

Our country has always been a country of small businesses. In colonial America, 20% of the crops raised and handicraft products made were exported by these small businesses. At the time of our revolution, because of domestic economic growth and exports, Americans had a standard of living higher than most Europeans. Increasing an individual’s standard of living has been the driving factor to open a small business throughout American history, [b]ut Gallup just reported that the total number of new business startups and business closures per year, known as “the birth and death rates of American companies,” just crossed for the first time since this measurement began. Annually, 400,000 new businesses are now being born nationwide, while 470,000 are dying each year across the country.

This is a trend we must reverse, and we need our government’s help to do this. Sure, we can blame it on the recession we have been battling for the last several years, but it is much deeper than that. In addition to new regulations for small businesses in healthcare reform, an increase in regulatory activity in several industries, and the uncertainty about taxes, several other causes come into play, making it hard to open a business today:

  • One reason is [because] there continues to be a shortage of financing alternatives to open a new business. Before the recession, entrepreneurs could use the equity in their homes, but in today’s world, how many of us have significant equity in our homes?
  • Another reason is technology, which we think is helping to streamline work and create Internet-related businesses but is also responsible for displacing independent businesses across several verticals. Look at the travel agents who have lost their businesses or the video store, the record store and the bookstore.
  • A third reason is the well-financed big businesses are killing the little guy. [The] Home Depot is pounding the hardware stores, [which is] the same thing Best Buy is doing to the electronic stores. Walmart controls close to 50% of some lines of the grocery and general merchandise business, where a generation ago, thousands of families made their living selling these goods.

On April 5, 2012, President Obama signed into law the JOBS (Jumpstart Our Business Startups) Act. He said, “[F]or startups and small businesses, this is a potential game changer. For the first time, ordinary Americans can invest in entrepreneurs they believe in.” This law relaxed regulation[s] for businesses that are emerging growth companies, created a “crowdfunding” exemption to allow private companies to raise up to $1 million and [increased] the limit of small offerings from $5 million to $50 million.

It is two years later, and nothing in this law is implemented. [Those] close to this new law—legislators, practitioners and potential small-business owners—have voiced their frustrations with continuing delays in adopting final rules, but to no avail. [W]e ask ourselves how our government has led us to the tipping point where more businesses close than open.

If the U.S. government, who has good intentions but poor follow-through, cannot help small businesses, then who can? […]

Every big company started small. Look at Walmart, where, even today, over 50% of the company is still owned by the Walton family, [o]r Bill Gates, who is still the largest shareholder in Microsoft. We as a country can’t afford more businesses dying than are being born. The government has let us down with sequestration, shutting itself down when we need it the most, battles over healthcare, and battles over the debt ceiling and budgets. When they finally pass a law that makes sense like the JOBS Act, they still can’t implement it after two years. All of us need to reach out to our representatives and tell them to get their “act” together, [a]nd if they do not react, we need to vote them all out and start again.

Original article here: http://www.huffingtonpost.com/marc-joseph/helping-small-businesses-_b_5045268.html

The War on Poverty is Back; This Time, It’s the People’s Burden

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Feeding America reports that 15.9 million kids [in the United States] under the age of 18, [or one in five], are unable to consistently access nutritious and adequate amounts of food necessary for a healthy life. Last month, Congress passed a sweeping “Farm Bill” that cut an additional $8.6 billion from SNAP, [or the] Supplemental Nutrition Assistance Program, over the next 10 years. This is on top of the $5 billion the program lost last November because the 2009 Recovery Act stimulus bill expired. Forty-seven million Americans currently participate in SNAP, up 47% since the [r]ecession started in 2008, [which] means that 15% of us rely on this program to eat. […]

We don’t have to be math whizzes to know that a 47% increase in participation, coupled with a reduction in the funding of $13.6 billion, spells misery for millions of Americans. This program has been the federal social safety net for low-income Americans, and now this safety net is beginning to tear.

The New York Times reports that more and more people are beginning to show up at soup kitchens and food pantries. The first reduction in November cut out 23 meals per month for a family of four. In New York City, the number of people seeking food aid grew by 85% after the November cuts, while 23% of the city’s food pantries and soup kitchens reduced the number of meals they provided. Food stamps were the signature program of President Johnson’s “War on Poverty” during the 1960s, which led to fewer poor children going hungry or having nutrition-related developmental delays. Birth weights also grew for children of poor mothers on food stamps.

As a nation, we can’t afford to go back to the nutritional standards before the “War on Poverty.” Luckily for us, our nonprofit organizations are stepping in and have created food banks to help fill the void continually shaped by Congress. The world’s first food bank started in 1967, right after the “War on Poverty” began. St. Mary’s Food Bank was started by John Van Hengel, who was volunteering at St. Vincent de Paul in Phoenix, serving dinners to those in need. A mother told him the soup kitchens and grocery store Dumpsters were the only way she could feed her children. John went to the local parish, St. Mary’s Basilica, and shared his vision of collecting food and money for food and depositing it where those in need could withdraw it. They gave John $3,000 and an abandoned building to get the food bank up and running. Today, food banks touch just about every corner of the United States.

Ozarks Food Harvest, one of the Feeding America food banks in Springfield, Mo., distributes food to 320 hunger-relief organizations across 29 Missouri counties, reaching 41,000 people a month. To help hungry children, they have a weekend backpack program, where they fill 1,500 backpacks with food so these underprivileged kids can have something to eat when they can’t eat at school. How can you not love an organization that takes care of others every day of the week?

Kentucky is setting an example for the rest of government in how to encourage its citizens to help others. Its legislature has made it easier for Kentuckians to donate to the Farms to Food Banks Program by just checking a box on their state tax returns to have part of their tax refunds […] automatically go to this program. This is how the government should behave in inspiring [its citizens] to help each other. […]

[Just last month], General Motors Foundation […] donated $500,000 to the Capuchin Soup Kitchen, [which serves] the people of metro[politan] Detroit. Blue Cross & Blue Shield of Florida recently donated $250,000 to the Florida Association of Food Banks. The Alaska Federal Credit Union donated money to 17 food banks. Businesses with a conscience are beginning to step up to fill this massive void, but, so far, there is too big a gap to fill. We have got to make up the billions of dollars lost to support those in the most need in this new order of priorities created by Congress. We, as citizens of this fine country, need to create a new grassroots effort for this latest “War on Poverty.” Having 47 million Americans in need of food is not the country our forefathers envisioned. It is also not the country we want to leave to our children.

Original article here: https://www.huffingtonpost.com/marc-joseph/the-war-on-poverty-is-back_b_4866216.html

Congress Could Use a Lesson from America’s Innovators

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The compromise spending bill for $1.1 trillion keeps the government open through September, according to CNN. It increases funding to Head Start by $1 billion for early childhood education, which makes sense after its recent low point with the forced budget cuts last year. It increases the paychecks of federal workers and military personnel by 1%. It reduces funding to the IRS and the Environmental Protection Agency. It launches policies aimed at getting more low-risk passengers through security quicker at airports. [I]t has a little bit in it for just about everyone, [b]ut, once again, Congress is kicking the can down the road, because we are going to have this same contentious conversation next fall when this extension expires.

The New York Times broke down the cost of this new budget per each U.S. resident: $259 goes to [the SNAP program], $61 goes to the […] school lunch program, $30 goes for crop insurance, $40 goes to loans and direct payments to farmers, $2,672 covers Social Security, $1,591 covers Medicare, $26 goes to the FBI, and $22 goes to the federal prison system.

These budget impasses remind me of the movie Groundhog Day, where we wake up and repeat the same mistake month after month, year after year. There have got to be some innovative thinkers outside and inside government who can get us out of this rut of repeating the same mistakes over and over again.

One big idea is coming from Ron Unz, according to USA Today. Mr. Unz is a Silicon Valley multimillionaire and registered Republican who is pushing a California proposal to boost the minimum pay rate to $12 an hour. Unz believes that taxpayers, for too long, have been subsidizing low wages, since the government pays for food stamps and other programs these workers utilize. He feels raising the minimum wage to $12 would lift millions of people out of poverty, driving up income and sales tax revenue and, at the same time, saving taxpayers billions of dollars since these workers would no longer qualify for many of the welfare benefits.

Another big idea came out of Chicago under the leadership of Mayor Rahm Emanuel. He created the small business center in City Hall last spring to streamline small-business services. The city has reduced the number of business licenses from 117 to 49, which has saved small businesses $700,000 in just the last six months. Chicago is phasing out the Head Tax, a decision that saved small businesses $4.8 million in 2013. This is just an example of how cities can cut through the red tape to not only make its citizens’ lives easier but actually save money.

TOMS is a for-profit company that gives away a pair of shoes to an impoverished child for every pair it sells. Additionally, when TOMS sells a pair of eye wear, part of the profit goes toward helping restore sight to those who need help, and, according to their [web]site, “[H]elping to restore sight restores independence, economic potential and educational opportunity.” They have taken the “giving back” [mission] a step further and, last fall, launched TOMS Marketplace, which gives socially conscious suppliers a platform to sell products that help support causes ranging from education and health to nutrition and clean water.

Most organizations don’t have the resources like the city of Chicago or TOMS to help make a major impact in changing our country or […] federal budget. […] The largest charity in the United States is the United Way, which is a network of 1,800 United Way communities and manages $4.26 billion. […] The second largest is The Salvation Army, which manages $4.08 billion to carry out their mission “to feed, to clothe, to comfort and to care.” These budgets seem small compared to the $1.1 trillion federal budget, yet they do [relieve] some [of the] pressure [from] the government in taking care of everything the underprivileged need. […]

Sometimes, I think we put too much faith in our government that they will take care of pushing our economy forward, as well as taking care of those most in need. A Gallup poll just reported that just 13% of Americans approve of the job that Congress is doing. If that was the approval rating in any other part of our society, they would all be gone. This is the group we must rely on next fall to permanently fix the day-to-day operations of our government. Based on their recent history, I am skeptical that this will happen. That is why the rest of us have to step up with the “big ideas” to make our civilization work with or without our government’s support.

Original article here: https://www.huffingtonpost.com/marc-joseph/congress-could-use-a-less_b_4639725.html

Did Not Make It Home for the Holidays

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The weather [this month] not only played havoc on retail sales but ruined many holiday celebrations by causing electrical outages, undelivered packages and [poor travel conditions]. December brought the coldest weather some areas have seen in decades, [including] a reading of 135.8 degrees below zero […] in Antarctica, […] the lowest temperature ever recorded on earth. […]

With this extreme weather, […] I just can’t imagine what it would be like to be homeless during this time. [Recently], USA Today reported on [Isaac Simon], a financial adviser who, [once a week] for the last six years, […] packs his white van [in Manhattan] with soup, bagels, milk and oranges and drives into areas where the homeless gather. He also has clothes to help those less fortunate. When you think that New York City, one of the wealthiest cities in the world, has [51,000 people] in their homeless shelters, […] you know America has a problem that we can’t just sweep under the rug. With that many people in need, we need hundreds of Isaac Simons to help just in Manhattan alone.

The Los Angeles Times reports that the U.S. Conference of Mayors survey of 25 large and midsize cities indicates that homelessness and hunger have increased and are expected to continue to rise in 2014. [At 15.1%], [t]he [current] poverty rate […] is still near the Great Recession high of 15.1%. In Los Angeles, 20,000 people sleep on the streets every night, and 2,000 of them are families or children living on their own. Homelessness has increased by 26% in L.A. since last year, [and] Chicago [has] reported an 11.4% increase in the number of homeless families, [as well]. […]

In my city of Phoenix, nonprofit [and government] organizations [alike] are acutely aware of the issues facing the poor. We have St. Vincent de Paul serving over 3,600 meals a day to the homeless and families in need. We have the city helping homeless vets to find places to live off the streets. Two years ago, the city identified 222 chronically homeless veterans, of which more than half served in Vietnam. Our mayor, Greg Stanton, announced right before Christmas that the final 56 veterans were placed in housing. This happened because the city council allocated an additional $100,000 in November to accelerate the efforts to help homeless vets.

President Obama’s administration has pledged to eliminate homelessness among veterans by the end of 2015, but it looks like time is running short unless cities and states get involved like Phoenix has. The Washington Post [reports] the state of Massachusetts and the Department of Veteran Affairs have put aside dollars to hire veterans, some formerly homeless, […] to help get veterans off the streets in Boston. They spend one day a week roaming the city’s storefronts, alleys and shelters seeking out these homeless veterans. The rest of the week is spent making sure those put into housing stay the course.

Now that the holidays are over, we as a society begin to focus [more] on our own needs. […] Whether it is finding a gym to get back in shape or a diet to lose the holiday pounds, our attention naturally shifts away from those who need our help 365 days a year. Homelessness is not just the responsibility of our government; it is all of our communal responsibility, whether it is in the dead of winter or the heat of summer. Obviously, volunteering is the best way to get involved, but if you don’t have the gumption of Isaac Simon or the political prowess of Mayor Stanton, then helping out with donated money is a high priority. […] The National Homeless Coalition, The Salvation Army and [CityGate Network] [editor’s note: formerly The Association of Gospel Rescue Missions] all make homelessness their priorities. […]

Maybe what we should all do is what the Lakewood Congregational Church Youth Foundation in northern Ohio does and has been doing for years. On a night in January, they sleep in cardboard boxes outside in the bitter cold and spend the evening seeking donations from community member passing by to help less fortunate families. If that does not wake up the younger generation to the needs of the homeless, then nothing will. Can you imagine if in every city in every state, we all give up the comforts of our homes for one night to experience the immorality of homelessness, what that would do for the psyche of America? I am sure that if we addressed this issue on a grassroots level and all woke up the next morning freezing cold and hungry, […] Congress would hear our collective voices saying enough is enough, and [they] would reverse the recent cuts in food stamps, show compassion with the new congressional budget deal, and help those who need unemployment benefits.

Wouldn’t that be a way to start off 2014?

Original article here: http://www.huffingtonpost.com/marc-joseph/did-not-make-it-home-for-_b_4524051.html

It’s Too Expensive to Go to College Anymore

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According to the [United States] Census Bureau, there are 59 million people 25 years or older who hold a bachelor’s degree or higher. Business [remains] the most popular major, with 12 million [graduates], while [e]ducation [is] the second most popular, with 8 million [graduates]. The median income for high school [graduates]—[those] who [have] never [gone] to college—is $28,659 [annually]. [F]or those with some college [education] but no degree, it is $32,036 [per year], [while] those with a college degree [earn] $49,648 [annually], and those with professional degrees [bring home] $87,356. This translates [into average] lifetime earnings of $3.3 million for a doctoral degree, $2.3 million for a college degree and $1.3 million for a high school diploma.

According to CollegeData.com, the average yearly budget to attend an in-state public university is $22,261, [and t]he average [to attend] a private college is $43,289. CNN reports that the average college student in the class of 2013 faces $35,200 in debt. Putting that into perspective, the profile of the average U.S. household consumer debt shows we all owe $15,263 in credit card debt, $147,591 in mortgage debt and $31,646 in student loan debt. In total, American consumers [currently] owe $11.15 trillion in debt, of which $994 billion is in student loans, a 4% increase from 2012.

In an article in The Huffington Post this summer, [the author] predicted that student loan debt will exceed the median annual income for college grads by 2023. This is on top of the wages of college graduates actually dropping 5.4% over the last decade. Considering that Congress [has] finally agreed […], after months of haggling, to stabilize the interest rate for college loans, […] at least the uncertainty of future interest [rate] hikes has been eliminated for families facing this huge debt.

Just about every parent (94%) says they want their child to attend college, [s]o, with that encouragement, nearly 68% of high school graduates [have] started out for college (44% of these kids to community college). Compare that to 43% of Americans [who] attend church regularly and 50% of adults [who] are married [currently, and] [c]ollege is now more popular [than] religion or spouses!

In the end, only 54% of these kids actually graduate within six years of starting college, [s]o we have all these students with high hopes and dreams going in, but only about half graduate and join society with crazy student loan debt.

We would all love scholarships for our kids, but that does not happen to most. This weak economy of ours is forcing institutions to limit their generosity in scholarships and financial aid, so the average student takes on more debt than the generation before. Anyone wanting to go to college needs to explore every option for help. The Council for Opportunity in Education is a nonprofit organization […] dedicated to expanding college opportunities for low-income, first-generation students, veterans and students with disabilities. Sites to help find money and scholarships include Fast Web, FinAid and Student Aid Alliance. If you want to help fulfill kids’ dreams of going to college, look into Scholarship America to help with a donation. […]

America is the land of dreams and opportunity. Anyone who is passionate enough to want a college education should be afforded the opportunity to at least try. It would be just great if we could make a college education free just like we do a high school education, but each of us in our right mind knows this is a pipe dream, [s]o the $35,000 in student debt will turn into $45,000 for the next generation and so on. A college degree is worth a million dollars more than a high school degree over your lifetime. Being well-educated is priceless. I guess the risk of adding to your debt may be worth the reward of being a strong contributor to our economic future. I just wish it did not hurt so much.

Original article here: http://www.huffingtonpost.com/marc-joseph/its-too-expensive-to-go-t_b_3935231.html

Teachers Have It Rough, but Kids Are the Ones Who Suffer

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With the start of the school year, we have yet another terrifying shooting incident—[this latest], at the McNair Discovery Learning Academy […] in Decatur, Ga., [occurred] less than a year […] from the tragedy in Newtown, Conn. Between Newtown and Decatur, the United States has [witnessed] 12 other shootings at schools.

I just can’t [imagine] how much stress this puts on all teachers. Our dedicated teachers do what they do because they have a passion to help mold the future of this country, foster creativity in young people, develop character in students and help people lead productive lives. They become teachers because of their sense of service. Having to protect kids from shootings was not part of their original job description—but it is now.

[O]n top of the stress to protect our kids, salaries have not moved much for teachers during the recession […], [b]ut what has moved […] is the money teachers take out of their own pockets to help their kids. According to USA Today, teachers will be spending an average of $400 out of their own pockets for classroom supplies […] this fall, […] up 3% from last year.

Mallori Lucas, a language arts teacher in Valparaiso, Indiana, says, “Of course we’re not forced to spend our money, [b]ut some of these kids don’t even get breakfast before they come to school, so we buy those snacks and treats.”

[T]he National Center for Education has school spending on supplies at 4.1% of the budget today compared to 8.1% [a decade ago]. Kids still need the same amount of supplies and learning materials they needed 10 years ago, but it does not look like our schools have this in their budgets.

Teachers by nature are resourceful, considering that last year, they took $3 billion out of their own pockets to help their kids, and they are going to spend even more this year. You can see this inventive behavior with what happened all over the country this summer as teachers anticipated they needed to help their students more than ever.

  • Elementary school teacher Mary Loung started Educycle, which helps other teachers sell or pass along [usable] school materials and shop for supplies they need in their classrooms. Businesses can also donate any surpluses to schools through Educycle.
  • The Chicago Sun Times reports that David Zine and Peter Baker, high school social study teachers from Aurora, rode their bicycles to Seattle to raise money for Best Buddies, a nonprofit that partners special-needs and general-education students to help forge friendships.
  • The Memphis Business Journal talks about […] Elizabeth Monda […], one of the first teachers to use the [crowdfunding] site PledgeCents […] to raise $4,000 for materials for her students. […]

How did we, as a well-educated society, get ourselves into this mess where we are putting so much stress on the teachers who we entrust with our kids every day? School should be a sanctuary of learning, maturing and growing our children into the next greatest generation. Instead, teachers worry about bullets and having enough money for the basic functions needed to educate the leaders of tomorrow.

Our current leaders have raised taxes, have us in a sequestration and can’t agree on anything to help move this country forward. Nothing has changed since Newtown, except we are spending less to help our teachers teach our kids to be decent and honorable. It is the teachers of today with their dedication and determination who will set the example for their students by their actions of caring and giving. The rest of us need to support these public servants and ease their personal burden of doing the right thing for our kids.

Original article here: http://www.huffingtonpost.com/marc-joseph/teachers-have-it-roughbut_b_3805308.html

Should You Open Your Own Online Store?

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The economic recovery for most is much slower than the news would lead you to believe. Many people ask themselves, “How can I supplement my income so I can provide more for my family?” The perceived hot trend to accomplish this goal is doing business on the Internet, but it is not as easy as it looks. Before you go off and open an online store, you need to fully understand what online stores are all about.

Online stores are not much different than physical stores except you don’t have to worry about paying the rent or having a lot of money tied up in inventory. In online stores, you still need to present the right product at the right time at the right price. You still need to be very clear about what you are selling and project stellar customer service.

The first obstacle to overcome is deciding what to sell. It is always much easier and much more fun to sell something you have a passion for; [t]hat way, the long hours you spend with your online store become more engaging and less work. Many products are more conducive to selling online, such as jewelry, clothing or school supplies, while other products are more difficult to sell when they can’t be seen in person, such as refrigerators or leather sofas.

[T]he questions you need to ask yourself about what to sell in your online store include:

  • Can I sell a digital product that can be sent right over the Internet (like an e-book), or should I sell a physical product that needs to be shipped? 
  • Will you specialize in one category of goods like pets or party supplies, or will you offer a wide selection of products? 
  • Do you have to house inventory, or can you find a company to drop-ship for you? 
  • Will you be creating your own product to sell? If so, are you going to make it yourself, or do you need to form a relationship with a vendor who will manufacture it for you? 
  • How are you going to ship your product—[f]rom your home, a storage facility or drop-shipper from a third-party warehouse?

The second obstacle to overcome is finding the customer niche who will buy from you. You need to list what differentiates your site from all the other similar sites [online] (and don’t kid yourself—they are out there). [T]o find the right niche:

  • Study the competition, and if you can’t beat them with product or price or customer service, find another niche. Go to the main marketplaces like Amazon, Walmart, Sears, Rakuten, Tiger Direct or NewEgg to see who is already selling and make sure you can do it better or faster or cheaper 
  • Become the expert on what you sell. Show your passion for your products through original content that differentiates you from others. The more originality you add to the site, the more you stand out.
  • Make sure it is easy to purchase from your site. Even if the products are similar to other sites online, you will set your site apart by making shopping easy. The quicker you can get customers from liking the products to finalizing the sale, the more you will stand out from all the competition.

There are plenty of places on the Internet that can help you open up your dream store. […] [P]artner with a company that offers an easy and fast way to get a site up and running—[typically, they] will have several website templates to choose from and you can sell as many products as you like. In fact, a good company will have products that are already uploaded to your site, so you can decide if you want to sell them all or just a few departments. There should be no limit to the amount of pages you can create, and the site should be integrated into a shopping cart so you can begin selling in less than an hour.

[So] should you open your own online store? It is inexpensive to get started if you find the right store-building partner and the right drop-shipper of products for you. It can become a black hole if you start to throw money at every marketing scheme that comes along. […] If you are an entrepreneur, an optimist and a hard worker, then you should be in the online store business. If you believe that if you pay for a site and all you have to do is sit back and watch for an income stream, then the online store is not for you. […] Learn how to do guerrilla marketing on the Internet with your online store, show your customers you are passionate about what you sell, and this could be a fun way to make a living.

Original article here: http://ezinearticles.com/?Should-You-Open-Your-Own-Online-Store?&id=7954833

Back to School: It’s Make-It-or-Break-It Time for the Economy

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Spending this fall for students K-12 is expected to drop 12%, according to a National Retail Federation survey reported in The Wall Street Journal. The average that will be spent on each kid is $634.78, down from $688.62 in 2012. Even those going to college are expecting decreases from $836.80 this year [compared to] $907.22 last year.

[I]t looks like the payroll tax hike, the sequestration and the continued sluggish job market are finally going to rear their ugly heads during the first major sales season of the year. This is troublesome news for retailers, because the back-to-school (BTS) season is like the canary in the coal mine; BTS sales trends historically predict how the holiday fourth-quarter sales will turn out. [I]n another BTS warning about the economy, 47.7% of college students expect to live at home [in 2013], up from 42.9% in 2012.

These depressing numbers tell us that the American family has begun to focus on the needs of their children for BTS rather than the wants of their kids. If working Americans are having trouble getting their kids ready for BTS, what about the children in families stuck in poverty or not working at all? According to The Hechinger Report, poverty is getting so concentrated in America that one [in] five public schools is classified as “high poverty” […] by the U.S. Department of Education. To be classified as [a] high-poverty [school], 75% of [its] elementary, middle or high school students must qualify for […] free or reduced-price [lunches].

Moyers & Co. reports that […] poverty affects 46.2 million people [in the United States], [including] 16.1 million children. […] Deep poverty, [or a household income below] $11,510 [annually] for a family of four, hits 20.4 million people, [or] one in 15 Americans. On top of all this, we have 1,065,794 homeless students enrolled in U.S. preschools and K-12 schools, and […] only 48% of poor children are ready for school by the age of five, compared to 75% of children from moderate- and high-income families.

[W]e have parents who are going to be spending less on their children for BTS, [a]nd we have poverty creating a major burden for schools to figure out how to deal with accommodating these kids’ needs. This is a bleak time for not only our economy but to the answer of how we cope with an all-inclusive society so that no child is left behind.

Some organizations are rising to the occasion with drives to provide the underprivileged with what they need to go back to school with dignity—staples like backpacks, school supplies and clothes. Fox News reported [that] in St. Louis, the National Council of Jewish Women brought a “[b]ack-to-[s]chool store” to 1,200 children in need. […] The Broomfield Enterprise in Colorado reports the organization Crayons to Calculators hopes to provide 9,000 students with new backpacks full of supplies [in 2013]. The City Wire in Arkansas reports on [a] “Stuff the Bus” campaign supported by the United Way, where bright yellow buses will be scattered throughout Fort Smith to collect school supplies for children in need [for] the ninth year. We can all help online at Operation Backpack, where they are gathering backpacks for New York City children in need. […]

We have been putting up with this recession since late 2007. It has been close to six years where the poor are getting poorer, the needy are getting needier, and now it looks like our schoolchildren will be getting less. Spending less for BTS is a major blow to our economy, and when word of this decrease becomes widespread, it will be a major blow to the American psyche. As Americans, we have to do what we can do to ensure the long-term survival of our educational system, because all these kids—rich and poor—are our future. Dig deep into your pockets and help out your local backpack drive by donating backpacks, school supplies or cash so they can buy what is needed for the underprivileged. If you are a parent or grandparent, spend a little more on your kids for BTS so we can prove the predictions wrong. If this BTS season is truly less than last year, then we are in for a long, cold fall and winter retail season, which will keep us in this recession for another year.

Original article here:https://www.huffingtonpost.com/marc-joseph/back-to-school-its-make-i_b_3671731.html