How to Manage the Cost of Earning a Masters Degree

The masters degree is a wise investment to make in your future. People with masters degrees have a higher level of financial security, more job opportunities, and a higher standard of credibility in your field. This can be costly to students, but there are ways to help reduce the burden, and the gains from the degree will be worth the money you spend. Why earn a Masters Degree? In most careers, having a masters degree will help you financially. It will increase your credibility to employers, and will increase your earnings. You will have a greater knowledge of what goes into the career, and it shows that you have personality traits that appeal to employers such as determination and persistence. In what fields are you required to get a Masters Degree? There are some careers where getting a masters degree is necessary to securing a job.Teaching is one example of this. It is a requirement in many states that you need a masters degree within five years of completing your undergraduate work in education. The masters degree does not have to be in the field of education (if you are a music educator, for example, you can get your masters in vocal performance, conducting, etc.).If you are planning on going into any education related field, even if you are not directly teaching (for example, positions such as student services coordinator, admissions counselor, or academic advisor), you need a masters degree to even be considered for a job.People in the field of social work (marriage and family therapists, mental health counselors) are required to have masters. How much does a Masters Degree cost? Thetuition range for a Masters degree is between $30,000 and $120,000. There are three major factors that will affect the cost of your degree:The type of institution you attend (public vs. private).The type of academic program.Whether you live in or out of state.Public vs. Private Schools Public schools are generally cheaper than private schools (unless you are paying out-of-state tuition for public state-funded colleges). People who attended public schools paid on average $21000 less than people who attended private universities.Out of state vs. In-state tuition If you do not live in the state of the college you are attending, tuition rates become much steeper. For example, in Maryland out of state tuition is for the majority of schools, at least $10,000 higher than the tuition for in-state students, more than doubling the latter.How can that be reduced? In some regions, even if you live out of state, there are reciprocity programs- agreements between states to provide discounts to students in nearby states- that will help you reduce the cost of graduate school. These programs will charge a maximum of 150% of tuition- the original amount plus half that, which is much less steep.The New England Regional Student Program only allows the tuition reduction if you are studying a major not offered in your state.If you live in the region of the, you can study in any state the program covers for the first in-state tuition.If you are planning on attending a private university, you are in luck, since they are not funded by the state, but by tuition.What is the difference in cost between Online vs. Traditional School? Online programs are a convenient way to become more educated. Be warned, however, that the majority of online programs are more expensive than traditional education. For example, at Regis University, a Jesuit university in Colorado, an MBA costs 7% more if you obtain it online. While an online education has its benefits, be aware of the financial cost. How diverse is degree selection? Your master's degree can be in any subject area. For example, if you are going for your Masters in Business Administration (MBA), your undergraduate studies could have been in political science, music theory and various other fields completely unrelated to business. Ways to reduce the financial burden ofa Masters degree? Look into the school you want to attend, and see if they have school-specific scholarships that you are eligible to apply for.Becoming a graduate assistant is a great way to reduce tuition costs. Graduate assistantships involve working for a professor and performing various administrative and logistical tasks for him. They also teach classes when the professor is away (or running late, as is often the experience), and are responsible occasionally for taking attendance. The stipend for doing so often includes reduced tuition, and some schools will reduce the rate of your tuition to in-state tuition if you are an out-of-state student. What is the financial impact of having a masters degree? On average, people with a master's earn 15 percent (which translates to $400,000 more during their lifetime) than people who only have their bachelors degree. Becoming a graduate assistant is a great way to reduce tuition costs. Graduate assistantships involve working for a professor and performing various administrative and logistical tasks for him. They also teach classes when the professor is away (or running late, as is often the experience), and are responsible occasionally for taking attendance. The stipend for doing so often includes reduced tuition, and some schools will reduce the rate of your tuition to in-state tuition if you are an out-of-state student.For most careers, the trend is for the median annual income to increase by at least $10,000. However, many professionals will give you annual pay increases averaging greater than $20,000 per year and $25,000 per year in some careers. This is especially the case in the sciences (especially biology and biochemical sciences). In what many deem the "soft sciences," such as sociology and psychology, there is still an increased earning potential averaging $16,000 per year.For most type s of engineering, it would benefit you to obtain your master's degree- the average increase in annual pay is $27,000. However, there are some interesting anomalies in this field.For example, if you are going for a degree in architectural engineering, know that the median pay increase for this career is the lowest, with only $1,000 per year more, going from $80,000 to $81,000.Economics is another field with an extremely high financial return. For economics, with masters, you will see about $33,000 increase in pay. For business economics, you will see $25,000.International relations and public policy are high up there as well, making $28,000 and $27,000 respectively.

Funny Quotes of Wit and Wisdom

These funny quotes also shed light on more than a little bit of the truth in the form of witty wisdom. Famous writers  and philosophers often express lifes irony wrapped up as comedy and humor helps to drive the point home. Wit and Wisdom Quotes If you read a lot of books, youre considered well-read. But if you watch a lot of TV, youre not considered well-viewed. -Lily TomlinAdvice is what we ask for when we already know the answer but wish we didnt. -Erica JongBefore you criticize someone, you should walk a mile in their shoes. That way when you criticize them, you are a mile away from them and you have their shoes. -Jack HandeyI know that there are people who do not love their fellow man, and I hate people like that! -Tom LehrerClothes make the man. Naked people have little or no influence on society. -Mark TwainA synonym is a word you use when you cant spell the word you first thought of. -Burt BacharachA signature always reveals a mans character—and sometimes even his name. -Evan EsarIf you cannot answer a mans argument, all it not lost; you can still call him vile names. -Elbert HubbardHe who believes that the past cannot be changed has not yet written his memoirs. -Torvald GahlinI guess a drag queen’s lik e an oil painting: You gotta stand back from it to get the full effect. -Harvey FiersteinJealousy is all the fun you think they had. -Erica JongIf were not supposed to eat animals, how come theyre made out of meat? -Tom SnyderIf you dont know where you are going, you will wind up somewhere else! -Yogi BerraInstead of holding on to the Biblical view that we are made in the image of God, we come to realize that we are made in the image of the monkey. -Lin YutangIn spite of the cost of living, its still popular. -Kathleen NorrisI think of myself as an intelligent, sensitive human being with the soul of a clown, which always forces me to blow it at the most important moments. -Jim MorrisonPeople are too durable, thats their main trouble. They can do too much to themselves, they last too long. -Bertolt BrechtDon’t look back, something might be gaining on you. -Satchel PaigeIn my day, we couldn’t afford shoes, so we went barefoot. In the winter we had to wrap our feet with b arbed wire for traction. -Bill Flavinï » ¿If the English language made any sense, lackadaisical would have something to do with a shortage of flowers. -Doug Larson

Mandatory Vaccinations - 1329 Words

Upon first glance, immunizations look like a terrific solution to a horrific problem. But what if these immunizations were causing horrific problems of their own? What if the ingredients of the injections were just as bad as the disease they were meant to prevent? A staggering 77% of American kindergarteners are up to date with their vaccinations. (Park, 2008) This percentage makes Americans the most vaccinated group of people in the world. The number of shots required for school age children has doubled since 1980; today’s children will receive up to 28 injections for 11 to 15 diseases by the time they go to kindergarten. Many of these mandatory vaccinations are not safe because of the toxic chemicals, the multiple doses that they†¦show more content†¦In 1996 that statistic climbed to 1 in 300 children. (Geier Geier, 2003) When this increased statistic is paired with the fact that vaccinations have doubled in the same amount of time it is not surprising that Autism is being linked to the injections. Also being linked to Autism and most vaccinations is Thimerosal. Thimerosal is the preservative in vaccinations used to keep them free of fungi and bacteria, also known as mercury. In 2001 the Food and Drug Administration (FDA) released results from a study that found levels of mercury in immunizations were 2 times what the Environmental Protection Agency deemed safe. (Park, 2008) Another study found the likeliness of neurodevelopment disorder increased 4 fold, on average, following an additional 75-100 microgram dosage in thimerosal-containing vaccinations in comparison to thimerosal-free vaccinations. (Geier Geier, 2003) Following studies such as these the FDA took into consideration all of the concern and â€Å"theoretical potential for neurotoxicity† and decided to reduce the amount of thimerosal in vaccinations. In most cases the preservative has been removed completely. (FDA / Center for Biologics Evaluation and Research, 2009) Being a mother of two small children myself it is hard to turn a blind eye to all of the propaganda circling the internet andShow MoreRelatedMandatory Vaccination Should Be Mandatory Vaccinations1228 Words   |  5 PagesMandatory vaccinations should be required for all citizens in the U.S. Having mandatory vaccinations will allow for well protected future generations that are susceptible to less health issues. With everyone being vaccinated there will be less occurrences of these diseases and sicknesses allowing future generations a more healthy life with fewer visits to the doctor’s office and hospital. Another reason to have mandatory vaccinations is that these vaccines are safe and approved by trusted medicalRead MoreMandatory Vaccination Should Be Mandatory Vaccinations1975 Words   |  8 Pageswhen I found out I would be bringing a new life into this world in late August, many thoughts and options began flowing through my head. At this time I didn’t kn ow routine vaccinations were a choice for parents to make, I always thought they were mandatory. This being said, I began my research on the pros and cons of vaccinations. While I learned there are cons of vaccinating children, I also learned that the benefits of routinely vaccinating children significantly outweigh the risks. I chose fromRead MoreMandatory Vaccination Should Be Mandatory Vaccinations3657 Words   |  15 PagesAssa 1 Christina Assa ENC1101, 1954644 Professor Hofman 30 April 2015 Mandatory Vaccinations There is much debate to whether or not children should or shouldn’t be vaccinated. Every day there are many children and even adults who have died from diseases that could have been prevented before they came up. Immunizing our children is important so that they will stay healthy and so will other children around them. Children are at the most risk for developing diseases when they are growing up. TheyRead MoreVaccinations Should Be Mandatory Vaccinations1495 Words   |  6 PagesThe government should mandate vaccinations, and although it would sacrifice the liberty and choice for public health it would keep the well-being and health of everyone much more safe and away from the risk of disease. Most people agree that vaccinations should be mandated because of how being vaccinated keeps people safer in public environments since being vaccinated helps stop diseases from being spread, as proven by science, but people who do not agree with vaccination mandation most of the timeR ead MoreVaccination Of Vaccinations Should Be Mandatory1403 Words   |  6 Pages Vaccines Should be Mandatory in Order to Attend School Standard Number 6.4.B Jessica Crowe James H. Groves CEA3 ARGUMENT PAPER Jessica Crowe James H. Groves 30 June 2017 Vaccines Should be Mandatory in order to Attend School Standard Number: 6.4.B Protecting a child’s health is very important to parents! That is why they should vaccinate them as young children. All children should be required to have vaccinations in order to start school in every state. Each year about 85% ofRead MoreVaccination For Vaccinations Should Be Mandatory982 Words   |  4 PagesBetween 1924 and 2013, vaccinations prevented 103 million cases of polio, measles, rubella, mumps, hepatitis A, diphtheria, and pertussis (Bailey). Vaccinating is â€Å"the process by which pathogenic cells are injected into a healthy person in an attempt to cause the body to develop antibodies to a particular virus or bacterium—successful creation of antibodies is referred to as immunity to the disease caused by the particular pathogen† (Introduction to Should Vaccinations be Mandatory). Popular conflictsRead MoreShould Mandatory Vaccination Be Mandatory? Essay2213 Words   |  9 Pages Mandatory Vaccinations Parents face many different decisions when raising a child; some decisions are trivial, and others can be controversial. Whether or not to vaccinate a child is one of the most controversial choices. So controversial, in fact, that there is a political conversation of making immunizations a requirement. Many people support the movement of making vaccinations mandatory. Proponents argue that vaccines save lives, vaccine-preventable diseases have not been eradicated, and vaccinesRead MoreVaccination Of Vaccinations Should Be Mandatory1375 Words   |  6 PagesVaccines should be Mandatory in order to Attend School Standard Number: 6.4.B Protecting a child’s health is very important to parents! That is why they should vaccinate them as a young child. All children should be required to have vaccinations in order to start school in every state. Each year about 85% of the world’s youth receive vaccines that protect them against several diseases like, tuberculosis, pneumococcus, and many more. Even with great success, and improvements with vaccinations, more than 3Read MoreThe Case Of Mandatory Vaccination922 Words   |  4 Pages1962, 26). This type of matter would be unanimously agreed upon, therefore government enforcement is irrelevant, according to Friedman. Yet, in the case of mandatory vaccines, agreement on protecting another’s life is not universal; therefore we must further justify a policy of mandatory vaccination. Further justification for mandatory vaccinations is logically discerned by reading John Stuart Mill’s and Arthur Okun’s views on rights. In On Liberty, Mill articulates that the only form of acceptableRead MoreVaccinations Should Be Mandatory Essay1257 Words   |  6 Pagesfeared disease. But thanks to doctors like Dr. Salk, doctors have developed a vaccination for other diseases, not just polio, which helped eradicate and eliminate many diseases that have killed millions in the past. Today, many American parents refuse to vaccinate their children due to a variety of unfounded fears. Vaccinations should be mandatory, unless a person has a medical condition that says otherwise. These vaccinations are vital to the control and eradication of deadly infectious diseases and

Cocoa Commodity Essay Example For Students

Cocoa Commodity Essay Today, West Africa is famous to the whole world for the conquest of the cocoa industry. Ivory Coast has the largest number of processing companies. However, in order to get this well-known product, special conditions are required. Not many people think about what is behind the chocolate bar. Growing cocoa trees has become one of the most common types of income for farmers in West Africa. In Ivory Coast, at the age of 10, children of farmers help in processing companies under the tight conditions. The Background The tree Cocoa has a scientific botanical name  Theobroma cacao. It was given in 1753 by the Swedish naturalist Karl Linnaeus (1707 1778), which means in Latin food of the gods. By nature, cocoa blooms almost all year round and the branches and trunks of cocoa trees are literally covered with dense, five-petal flowers of delicate pink-reddish tones, and in any season farmers can see flowers and fruits at the same time on the branches of cocoa trees. However, almost a tenth of all flowers turn into cocoa beans. The trees can reach a height of 10-15 meters, but on the plantations, they are usually pruned at a level of several meters to facilitate the collection of fruits. Each tree brings such fruits pieces 20-30 per year. And they are formed not only on the branches but also on the trunk of the tree. The hard fruits of a cocoa tree are like small melons or rugby balls. Their length is 15-30 centimeters, weight 400-500 grams. It is difficult to determine the color because as the cocoa beans ripen, it changes from green to yellow, red or orange. Each fruit contains from 20 to 30 seeds, which are laid in five rows. This is what 500 years ago called cocoa beans. So they are called today, but they have nothing to do with real beans and legumes. Cocoa seeds (they are also beans) can be round, flat, convex, with a grayish, bluish or brownish tinge. Ripe seeds roll inside the fruit with a thud. Under the good conditions, the tree gives up to 2 kilograms of cocoa beans per year. Freshly harvested cocoa beans are unsuitable for use in the manufacture of chocolate and are not suitable for any food purposes. However, it is one of the most â€Å"demanding† seeds in the world. If they are not taken care of, they lose their germination in a few days. The cocoa tree grows relatively slowly, even on the most well-groomed and carefully prepared lands, they begin to bear fruit only 305 years after planting. To achieve maximum yield trees, need 10 years and good conditions, but in general, the fruiting period can last up to 50 years. The Process of Production Cocoa is not only a commodity but also an income of 40-50 million farmers in West Africa, Latin America, and Southeast Asia. Production can hardly be called modern and advanced: 90 percent of cocoa is grown on small farms by farmers. Cocoa fruits ripen throughout the year, but the main crop is harvested twice a year: in November-January and May-July. The optimal time for harvesting is 2–3 weeks after fruit ripening. The thick shell of the fruit is opened with a sharp knife-machete (often also with a wooden hammer or two fruits against each other), the cocoa beans are manually removed, dried for 24 hours in the sun, covered in troughs or boxes, covered with banana leaves or burlap, left for 24– 48 hours and then dried in the sun for three days. Then the beans are piled up in moderately heated rooms and left for 4-6 days or placed in barrels and buried in the ground (at the same time). During such processing, they undergo fermentation, due to which they acquire brown tones of different degrees of saturation, an oily taste, and a pleasantly sweet aroma. After that, they are scattered on dry soil or mats, dried in the sun for 4–6 days, at the same time picking up spoiled or damaged ones. .u4557917b35de955c9f6cc9065a4dff5d , .u4557917b35de955c9f6cc9065a4dff5d .postImageUrl , .u4557917b35de955c9f6cc9065a4dff5d .centered-text-area { min-height: 80px; position: relative; } .u4557917b35de955c9f6cc9065a4dff5d , .u4557917b35de955c9f6cc9065a4dff5d:hover , .u4557917b35de955c9f6cc9065a4dff5d:visited , .u4557917b35de955c9f6cc9065a4dff5d:active { border:0!important; } .u4557917b35de955c9f6cc9065a4dff5d .clearfix:after { content: ""; display: table; clear: both; } .u4557917b35de955c9f6cc9065a4dff5d { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u4557917b35de955c9f6cc9065a4dff5d:active , .u4557917b35de955c9f6cc9065a4dff5d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u4557917b35de955c9f6cc9065a4dff5d .centered-text-area { width: 100%; position: relative ; } .u4557917b35de955c9f6cc9065a4dff5d .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u4557917b35de955c9f6cc9065a4dff5d .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u4557917b35de955c9f6cc9065a4dff5d .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u4557917b35de955c9f6cc9065a4dff5d:hover .ctaButton { background-color: #34495E!important; } .u4557917b35de955c9f6cc9065a4dff5d .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u4557917b35de955c9f6cc9065a4dff5d .u4557917b35de955c9f6cc9065a4dff5d-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u4557917b35de955c9f6cc9065a4dff5d:after { content: ""; display: block; clear: both; } READ: Alcohol and the Liver EssayDelivery Despite the method of transportation of commodity, there are mandatory conditions for the transport of it. The container must be completely clean, as well as to avoid extraneous odors. Therefore, professional transport companies should always be responsible for the microclimate of the container. It is worth noting that commodity can be unloaded and immersed only with the help of gloves and clean clothes. Cocoa beans very easily absorb moisture and odors, that is why they are transported in special bags of jute, and the powder can be transported only in wooden containers but sometimes bags can heat up from friction, and if moisture appears, this leads to damage to the commodity. The World Market Ivory Coast is the predominant country in the cocoa industry, with a total volume of 30% of total world production. Most of the world demand for this product comes from processing companies. During 2016-2017, the global demand for chocolate confectionery products exceeded 7,450 tons, which is 10 percent more compared to 2011 figures. The demand for the chocolate industry is fueled by increased consumption in China and India. In India, consumption grew by 13 percent in 2016. 20 percent of global chocolate consumption comes from the United States. The highest chocolate consumption per capita in Switzerland is 11 kg/year of chocolate. Cocoa beans prices showed good growth, driven by declining bean revenues in the ports of Ivory Coast, as well as the end of the 2017 and 2018 season in West African countries with lower carry-overs, which seasonally contributes to price increases. The low liquidity in the Ivory Coast financial system, which is caused by the liquidation of the largest local exporter of cocoa beans, creates problems for cocoa exports at the beginning of the new 2019 season. Many economists believe that the cocoa industry balance will shift from a surplus to a shortage of supply due to a decline in the production of beans in the world and the return to the market of processing companies.