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Your bid is the same as or more than the Buy It Now price.You can save time and money by buying it now. By clicking 1 Click Bid, you commit to buy this item from the seller if you're the winning bidder. That means that when you have a $300 monthly student loan payment and you’re making next to nothing, you won’t be able to get by.
If you start in college, you can build your Plan B into a really strong foundation that will allow you to prioritize working as a stage manager, while still knowing that you can eat and pay rent. I have 114 other ideas that you can develop on this list, but another great skill to start building up in college is freelance writing. Take your time thinking about what you like to do or are knowledgeable about, how you can make money off of it and how you can do it while remaining location independent and on your own schedule. I wish I’d been a little more careful with money when I was younger, but overall I did ok. Great advice for those looking for a career in the performing arts, especially about clearing any debts first. Use that degree to get a good job (with health insurance) that pays enough money to cover your basic needs and allows you to build some savings. With your savings, a mortgage loan, and maybe a little help from your parents, buy a home (presuming it makes sense vs.
Take advantage of institutionalized savings mechanisms (401K or other pension plans) to start saving for retirement to supplement Social Security. After many years of work, retire and live comfortably off of your savings and Social Security.
While the notion of a strict linear model of the life course is increasingly outdated, there are also questions about the veracity of its basic assumptions–is a college degree worth the price tag? Sign up now for full access to Local Business Deeds, Bankruptcies, New Incorporated and Local Stock Activity from the Northeast Pennsylvania Business Journal.
EXETER a€” Sabatinia€™s Bottleshop & Bar ranked among the 50 best beer stores in America in the Mena€™s Journal. Greg Collins, senior vice president and community banking president for Wells Fargoa€™s Northeastern Pennsylvania division. For Kingston native and West Side Central Catholic graduate Greg Collins, a career in banking came naturally. Collins has taken that potential career and turned it into more than 30 years of helping Northeastern Pennsylvania businesses and individuals succeed financially.
While Collins has seen his share of industry changes, he is impressed by Wells Fargo, its commitment to local decision making and its community commitment.
This year the bank has already committed more than $100,000 to local nonprofits through the Wells Fargo Foundation with the Wells Fargo Regional Foundation supporting an additional multi-year $425,000 grant to the United Neighborhood Centers of Northeastern Pennsylvania. In addition to contributions, the bank is well known for its Wells Fargo Volunteers program, with each bank employee receiving 16 hours of paid volunteer time each year to work with nonprofits on projects that benefit the community.


It was the Wells Fargo retail bank conversion this past April that gave Greg his most memorable banking experience.
For Greg Collins, a strong interest in helping people and a bank that provided the tools to grow professionally has translated into an almost four decade career serving the financial needs of businesses and individuals in Northeast Pennsylvania.
Contact the seller- opens in a new window or tab and request a shipping method to your location. For all furniture items we will replace any parts that are damaged but the item may not returned if there is buyer's remorse. We will not accept returns on sports related autographed Memorabilia and Collectables or on any custom made items such as any customized car mats or children's furniture. We will not accept returns on any shavers, personal care items, cosmetics or intimate products that have been opened. You have read and agree to the Global Shipping Program terms and conditions - opens in a new window or tab. Import charges previously quoted are subject to change if you increase you maximum bid amount. You’re trying to balance all your theater classes, along with those pointless other classes to make you well rounded, mandatory hours in the scene shop, and rehearsals.
People in the arts need to prioritize being debt free in ways that others don’t, because it is very rare to find a high paying job in the arts right out of school. I’m all for people in the arts sucking it up and doing a few years on tour or on a cruise ship to get rid of their student loans.
There are so many people I’ve met who say they don’t have a Plan B because they’re all about Plan A.
And almost every one of them has had a Plan B forced on them – like waitressing or babysitting. In most of the states I’ve lived, I met the requirements to be a substitute teacher (double check, it varies widely by state) and it gave me the flexibility to still stage manage. You don’t necessarily have to be a blogger, there are plenty of opportunities for freelance writing without understanding anything technical, although blogging is another great side hustle for stage managers.
You’ll still need to meet deadlines, but jobs that let you decide the time of day you’ll get the work done are the best kind for stage managers. It not only gave me the funds for my social life and a car I desperately needed but it also gave the work ethic that I needed to work in the investment banking job I had when I graduated.
As unpleasant as 4 am load ins are now, at least I’m not also trying to take care of schoolwork for 23 credit hours on top of them too. We are going to have a lot of student loans to pay off once hubs is done with medical school though. With diminishing payouts and concerns about the future solvency of Social Security, supplemental savings are increasingly important.
Starting with Wyoming National Bank in 1974, Collins has served that company and its successor banks as a regional operations administration manager, market area manager, financial specialist sales leader, business banking director and retail banking director. Greg serves on the board of directors of the Greater Wilkes-Barre Chamber of Business and Industry, the Lackawanna Industrial Enterprise Fund and the Northeastern Pennsylvania Council of the Boy Scouts of America, where he recently served as the co-chair of its Distinguished Citizens dinner. Like many Wells Fargo team members, Greg’s local roots, financial expertise and desire to see customers succeed financially has made him a person of excellence and earned him his position as community banking president in Northeast Pennsylvania. The "off" amount and percentage simply signifies the calculated difference between the seller-provided price for the item elsewhere and the seller's price on eBay. If you reside in an EU member state besides UK, import VAT on this purchase is not recoverable. Not only do you build up resume credits, but you’re able to pay off student loans fast and build up an emergency savings account. In fact, I think it actually helped me get that job because many of my prospective employers were impressed by the fact that I not only worked full-time but I maintained the GPA that I did while doing it. We kept them as low as possible by sending a bunch back when we were able to live off of my income instead. Though it is really tempting to focus your time and energy on that one thing, to get as good at it as you can be, having a plan B is crucial. He assumed his current role in 2009 as community banking president for Wells Fargo’s retail operations in Carbon, Luzerne, Lackawanna, Pike, Monroe, Schuylkill, Wyoming and Wayne counties. Pocono where we had more than a dozen Wells Fargo volunteers rehabilitating a home,” said Collins.
Greg is also a 2010 graduate of the Executive Leadership Program of Leadership Wilkes-Barre and a 4th degree Knights of Columbus. Orders refused at delivery will be assessed all of the applicable fees listed above including the return fee, our shipping costs and a 25% restocking fee.
The solid blue line on the graph shows the proportion of 25 to 44 year olds with a bachelor’s degree or more.


The bank employs almost 400 people in Northeast Pennsylvania, has 39 retail banking stores and holds more than $2.3 billion in deposits, making Wells Fargo the No. It was exciting and rewarding to me to have been given the chance to play a part in it and contributing to the success of the Pennsylvania integration.
For the performers, is there a company where you can work as a costumed character for birthday parties? The level of change, the training of our team members, the physical renovations to our stores, and the communication strategy to our customers was extraordinary. The red squares on the graph show that the proportion of 25 to 44-year-old college graduates with school loans increased from 13% in 1989 to 32% in 2010. At the same time, the average loan value (the green circles) tripled over the past two decades, from $10,000 to $28,700.
While averages can be misleading, the median loan value also tripled over this time period, from $5,300 to $14,800.These trends raise critical questions, such as: What impact does burgeoning college loan debt have on long-term financial security? Going to school has not been a guarantee of an income, but it certainly has helped.While unemployment levels have remained high since 2008, they are highest among those with less education. Average wages for individuals without a high school diploma dropped substantially in the early 1990s and never recovered, while wages for both those with a HS diploma and some college attendance had moderate fluctuations within a fairly stable range over this time period.
In contrast, average wages for those with a bachelor’s degree or more rose steadily during the 1990s and peaked in the early 2000s.
Like all other educational groups, average wages have declined for college graduates since 2007. Individuals without a college degree had, on average, 3 more weeks of unemployment in 2010 than those with a college diploma.
The 2010 SCF data show a sharp uptick in households reporting a discrepancy between their current income and their typical income. While the average household reported income losses, individuals without a HS diploma reported average relative losses of nearly twice the magnitude of individuals with a college degree or more (-11% vs. The 2011 CPS data show that 83% of employed 25 to 44-year-olds with a college degree have a  job with health insurance benefits compared to 70% of those with some college, 59% of those with a HS diploma or GED, and only 30% of those without a HS diploma or equivalent.SavingLower income and more volatile income streams typically make it more difficult to accumulate savings.
SCF data show that, in all survey years (1992-2010), households headed by an individual with less than a college degree were substantially less likely to save than those headed by an individual with a college degree or more. Initially, this may have been because people were able to take advantage of lending programs that facilitated home purchases with minimal down payments.
In 2010, 16.4% of homeowners were underwater on their mortgages, meaning they owed more than their home was worth. Among 25 to 44-year-olds with less than a HS diploma, 1 in 6 have access to any type of pension plan. This rises to 1 in 2 among those with a HS diploma and increases to 2 out of 3 among those with a college degree.
The changing nature of work and income volatility, rising costs of living, increasing life expectancy, and concerns about the solvency of Social Security make it difficult for me to imagine what the standard retirement path will look like 20 to 40 years from now—or if there will even be one.
As the Baby Boomers retire, or try to, in the coming years, our conception of retirement may change even more profoundly.The TakeawayAlthough we are facing a period of newfound economic uncertainty, a few things remain clear. With higher employment rates, higher income, and greater access to fringe benefits like health insurance and pension plans, obtaining a college degree remains important for economic success. Of course, it may not be worth the purchase price, and the ballooning costs of higher education are rightfully under much scrutiny.
One hundred percent college completion would not fix the problem of insufficient jobs with inadequate pay and benefits.Last, the findings about pensions highlight a looming fiscal cliff.
Baby Boomers are currently coming to terms with the financial challenges of retirement, and future generations may face an even bleaker economic outlook. Social Security benefits are expected to decline and state and local pension funds are under enormous strain. While workers can save on their own, only half of 25 to 44-year-olds have access to some form of retirement plan through their employer, which leaves the other half to take their own initiative to save.
With high unemployment, lower real incomes, and rising college debt burdens, saving is difficult for many young Americans. Developing mechanisms that enable savings are a critical step for the long-term economic security of individuals, their communities, and the nation.Rebecca Tippett is a Research Associate at the University of Virginia’s Weldon Cooper Center for Public Service where she studies household economic well-being and produces population estimates and projections.



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