Financial literacy is critically important for students and families considering college. Teaching students how to make smart decisions about money should start young and at home. However, higher education institutions also have a role to play when it comes to helping students make informed decisions about paying for college and planning for the future.
Prevailing thinking suggests that financial education is a continuous activity. Building on that theory, DeVry Group works with our institutions to implement a life-cycle approach to help students navigate financial aid decisions and other issues related to the costs and benefits of higher education.
Our collective challenge is to help students achieve their career dreams not only by assisting them with getting into college, but by making sure they have the tools to finish college and begin their careers in a financially responsible manner. Our work begins before students enroll. Students may speak with an advisor to develop a financial plan covering their full program of study. Prospective students will know total program costs, how they will finance their studies and ultimately the repayment obligations associated with any debt they will take on. Once a student begins their studies, they can monitor their debt through Manage My Loans (MML), a comprehensive debt-tracking tool developed by DeVry Group. MML provides a frequently updated snapshot of all of a student’s education loans – including all federal loans, regardless of where they were enrolled at the time of receipt, and all private and institutional loans obtained while a student at a DeVry Group Institution. Furthermore, MML also empowers students with a central point of access to information to help them understand the repayment obligation of their student loan borrowing and tools to better manage their loans, including modeling various repayment plans and projecting earnings needed to assure loan repayment is affordable. Advisors monitor borrowing levels and help students with strategies to decrease their reliance on student loans.
Exit counseling and repayment guidance is provided when students leave a DeVry Group institution to inform them of their loan repayment options and all student repayment statuses are monitored, triggering outreach for those having difficulty in making their payments.
In conclusion, financial literacy can provide critical support to students. It is a lifelong process and is of paramount importance to the future financial health and stability of students.
Originally posted on LinkedIN by:Tom Babel
Contact John Assunto for all of your Education Recruiting needs! Johna@worldbridgepartners.com or 860-387-050
How to stay sane in the tumultuous year ahead
I used to mistake stability for a good thing. My immigrant parents instilled in young Bo the notion that stability and security are markers we should aspire to in life. Growing up, society reinforced that same sentiment - that achieving a constant in life is what we should all strive for. When you grow up, you marry, have 2.5 kids, buy a house. That’s the road to happiness, right?
Wrong. Nothing about life or 2016 is stable. 2016 was straight-up emotional and bipolar. According to the DSM-5, I would diagnose 2016 as Bipolar I, the more extreme version. In Bipolar I, one must have had at least one manic episode in their lifetime, plus major depressive episodes. One specifier of both I and II is called "with rapid cycling." We can all agree on that 2016 has been a rapid cycling of highs and lows.
2016 was the year of acquisitions, product changes, crushing election results, and big personal changes. Microsoft bought LinkedIn. Yahoo went up for sale for pennies. Gone are the days of huge IPOs - in this “winter is coming” market, acquisitions are the only way to survive. Classpass canceled their unlimited tier option to many a workout aficionado's chagrin. Airbnb introduced trips. #blacklivesmatter took Twitter and social movement by storm. Our first female presidential candidate, the most qualified candidate to have ever run for president, lost. The polls and Five Thirty Eight were wrong. #thefutureisfemale became the most famous t-shirt on the internet. #imwithher turned into #imstillwithher.
In 2016, I ended a long-term relationship, quit my job, published a tell-all post about my experience at Facebook, and moved across the country to New York. For me, 2016 has been best described as bipolar: the highs have been so high and the lows so low this year.
I've dealt with change in 2016 by reframing change as an equilibrium. Instead of resisting change, we should see it as something necessary until a balance is achieved.
In a chemical reaction, an equilibrium is not achieved until all the reactants and products have no further need to change. Reactants are converted to products and products are converted to reactants vice versa until they’ve reached an equilibrium.
Change is really a state of reactants and products reacting until there is nothing to react to.
As much as we push for stability, it can only be achieved organically. As humans, we get attached to the current state, and often resist any change that pushes us away from that. If a product works, we think there's no need for radical changes, preferring to make small iterations over time. Feeling complacent in your current product market standing creates blind spots for small players to come in and eventually sets the scene for the innovator's dilemma. It’s normal - we cling onto current success, status quo, relationships because we don't want to let them go.
However, life and the marketplace is anything but stable. Change is a fact of life. We will inevitably encounter forces and unexpected events in all areas of life that will yield chemical reactions and catalyze change. These catalysts typically come about after a moment of crisis: a failed product launch, an unexpected political loss, or surprising breakup--devastating losses despite rosy predictions.
We must learn to weather the ebb and flows of political, economic, and social instability. If your product doesn’t get any traction, you need to re-evaluate and reconsider what’s working and what isn't. If your political candidate loses, you need to analyze how that could have happened, see the other side, and think what you’ll do to ensure future success. Be sad, be angry, be scared, but most importantly, don't give up taking action for change. Everyone has a role to play in the next four years.
Architecting a good life and growing an organization comes in waves. We need to evolve or we will stagnate and die a slow death as individuals, organizations, and a country. A study about Romanian orphans from the 1990s really resonated with me regarding the mentality of embracing resilience in the face of change. Despite early years of abject neglect, most of the children in this study were able to recover and live normal lives. We have a great deal to learn from their example.
“Resilience, in psychology, is a person’s individual ability to cope with stress and adversity, and bouncing back to a previous state of normal functioning after trauma.”
Innovation and creativity are very difficult processes. What people often miss is not a lack of creativity but resilience to persist after many setbacks. Most people don’t have a master plan for success and know exactly what they have to do to. I certainly don’t - when I build products or write a piece, it doesn’t happen all in one go. Rather, my process with most things is iterative with many points for reflection and reassessment after each setback. When challenges inevitably happen, I try to face those moments and devise ways to get past them.
Perhaps as we grow as adults, in pursuit of stability, we forget how resilient we once were.
When it comes to the the next year in 2017, I hope that we frame change as an equilibrium and attack problems with resilience. We’ll certainly need it.
ORiginally posted on Linked IN by:Bo Ren
Contact John Assunto for all of your Education Recruiting needs! Johna@worldbridgepartners.com or 860-387-0503
There's little surprise that many international students want to get an internship or a job in the states. After all, it's the land of opportunity. Last summer, I interned at Andreessen Horowitz, and now I'm in the hunt for a full time job. The search process? It's like riding a roller-coaster, to say the least. I'm drafting this on Thanksgiving Day, What do you think? During my interactions with employers, I noticed some commonalities and summarized the top 9 myths of hiring international students.
Myth I: Why international students? It's not worth my time, money and effort.
• Extensive work experience • Multi-lingual • Team-management in various environments • Divergent perspective on global issues • Cross cultural understanding of market dynamics • Flexible to relocate • Potential relocation to origin country could provide employer a reliable international liaison.
Highly educated immigrants are twice as likely to hold patents, three times as likely to start their own businesses.Myth II: It is illegal to hire a student without a green card.
Fact: Federal law permits international students to obtain off-campus employment on their F1, J1 Visa. Students are allowed to work in jobs related to their field of study.
76% of patents from the top ten patent-producing universities in 2011 had a foreign born investor. Myth III: International students need work authorization before I can make a job offer.
Fact: Students DO NOT need work authorization before an employer makes an offer. Students DO need such authorization ready before they can BEGIN working.
25% of high tech companies in the U.S. from 1995-2005 had at least one immigrant founder. Myth IV: Hiring process is exhausting and paperwork is time consuming.
Fact: There's NO paperwork needed from the employer to hire a student working on F1/J1 Visa. To hire an international student on an H1B visa, the employer just needs to prove: 1.The job must require a minimum of a bachelor’s degree, 2. The employee is paid equal to or more than the federally determined prevailing wage.
More than 40% of Fortune 500 companies in 2010 included at least one immigrant founder or the child of an immigrant founder. Myth V: Sponsoring H1B Visa is expensive.
Fact: The total cost of a qualified immigration attorney and filing fees for a 3-year H1B visa ranges from $3500-$5000. The visa cost is only a fraction compared to the overall value of finding the best candidate for your role.
So is the case with Apple, Google, AT&T, Verizon, P&G, Pfizer, Kraft, Comcast, Intel, Merck, DuPont, Kohl’s, Colgate-Palmolive, Sun Microsystems, United States Steel, Qualcomm, eBay, Nordstrom, and Yahoo! Myth VI: I must advertise H1B position and prove there is no qualified U.S. worker.
Fact: Employers DO NOT have to document/certify that a foreign citizen working on a F1 or H1B Visa prevented a qualified US citizen from obtaining the position. This is only needed during employer-sponsored applications for permanent residency (green card).
Immigrants with entrepreneurial aspirations start their business an average of 13 years from arriving in the U.S., so you may be hiring a future job creator.Myth VII: I'm displacing a U.S. worker by hiring a international student.
Fact: Hiring foreign nationals with advanced degrees promotes job growth. For every 100 H-1B work visas approved, 183 new jobs are created each year. If you control for just the jobs in the STEM fields, 262 new jobs are created.
More than 50% of PhDs and in some cases, nearly 50% of the master’s degrees in the STEM fields are awarded each year in the U.S. to international students.Myth VIII: There are only a small number of H1B visas available each year and the odds of winning the lottery are small anyway.
Fact: There are 65,000 H1B visas available each year, plus an additional 20,000 for international students that complete their graduate studies in the U.S.
Studies show that Immigrants disproportionately contribute to economic growth, employment, and wage gains.Myth IX: No H1B for small company or start-ups.
Fact: As long as the process is carefully planned out and the documentation is available, the startup should have no issue obtaining an H1B approval. Cost-wise, International students on F1 or J1 visas cannot benefit from social security, therefore they don’t have to pay into it which means neither does the employer. Also, since domestic applicants tend to change jobs more often than foreign applicants, there may be turnover costs as well as more training costs.
Thanks to @Desa Philadelphia and @Tien-Li Loke Walsh for their sharing and inspiration!
As a former Nielsen and A16Z, now studying Entrepreneurship at Marshall Business School, I write about product, marketing, technology, and innovation. Read my previous post:8 Lessons Amazon Could Learn From Alibaba
Originally posted on Linked IN by: Haiqun(Léo) Wang
I am a fitness buff, and unless you’ve been living under a rock for the past 30 years you know that there are countless diets and other dietary or nutritional products promising all kinds of miraculous results. In my quest for better and better fitness, I have learned (and tried) many of these diet and fitness solutions. It's now a hobby to analyze each new diet, gadget, and technique to understand their underpinnings and how much truth, practicality, and hype exist in each.
Unfortunately, a huge percentage of these products are garbage. Many of them have an idea or principle that is valid, but the results are blown way out of proportion in relation to what can truly be achieved using these solutions. On the other hand, some actually work…
If It's Too Complicated No One Will Use ItTake diets for example, there are quite a number of them with merit. The problem is that some diets are ridiculously complicated and too difficult to maintain, let alone adopt as an ongoing lifestyle. All the current leaders in fitness and nutrition now agree that the ease of going on and maintaining a diet is a major factor (if not the major factor) in the creation of a successful diet. If people can’t effectively start or maintain the diet, it doesn’t matter how effective it could be because they won’t be able to sustain it. And that, my friends, is why I am going on and on about diets in an article about advancing the sale—because closing techniques suffer similar complications.
Name any book on closing, and odds are, I’ve read it. There are books with hundreds of sales closes in them, each with their own clever name, like the board of nails close, or the one-dollar-for-one-hundred-dollars close, or my all-time favorite the Atomic-what-would-Jesus-do-BOMB close (no, I’m not kidding).
Someday, to give you a good laugh and protect the innocent souls out there who might actually consider using one of these gems, I’ll put up a website with a Sales Closing Wall of Shame listing all of the ridiculous closes I’ve collected over the years.
Closing ConfusionJust like the diets, most of these closes are garbage—and by garbage, I mean counter-productive. They will actually hurt your chances of closing the sale. But also like the diets, some of these techniques actually work from time to time. And thus, the confusion sets in.
Some of these old-school closes are very elaborate, are specialized for particular situations, and require intricate setups. Some take hours to execute. This is again where they are like diets. If there is too much to remember, or they are too complicated to execute, then no one will use them. Who wants to take the time to memorize one-hundred-and-one closes—one for every possible situation? What if in the heat of the moment I use the wrong one? Oh, the pressure!
It’s a waste of time and effort to use what amounts to a counter-productive close 90% of the time. It is also totally unnecessary.
The Criteria For a Good CloseA good closing approach should meet the following criteria:
That last point is what we are focusing on here. The approach must be easy enough to follow so that when it comes time to actually use the approach, it's natural and simply second nature. That eliminates all the stress and frustration associated with closing that we sometimes feel.
CLOSING TIP: Helping a customer move towards their goal is an act of service. It shouldn't be difficult or stressful at all. It should be easy.
About the Author: James Muir is professional sales trainer, author, speaker and coach. He is the Best-Selling author of The Perfect Close: The Secret to Closing Sales that shows sales and service professionals a clear and simple approach to increase closed opportunities and accelerate sales to the highest levels while remaining genuinely authentic. Those interested in learning a method of closing that is zero pressure, involves just two questions and is successful 95% of the time can reach him atPureMuir.com.
Originally posted on Linked IN by: James Muir
Do you have enough passion in your life? Passion is the difference between playing the piano and being a pianist; it’s who you are, not just what you do. Passion makes you leap out of bed in the morning, eager to start your day.
Dr. Robert Vallerand at the University of Quebec has studied passion more than anyone, and he asserts that passion is self-defining. According to Vallerand, “Passion is a strong inclination towards a self-defining activity that people love, that they consider important, and in which they devote significant amounts of time and energy.”
“Passion is the genesis of genius.” – GalileoIt’s important to note that passion doesn’t require expertise—although there is a correlation, it’s not a given. Vallerand and two other researchers studied 187 musicians and found that those who focused on perfecting their performance—what Vallerand calls “mastery”—developed a higher level of expertise than those who focused on merely being better than other musicians. If passion defines you, it makes sense that your personal best will be about you and no one else.
So what does passion look and feel like? A great way to understand passion is to consider what makes passionate people different from everybody else.
Passionate people are obsessed. Put simply, passionate people are obsessed with their muse, and I don’t mean that in an unhealthy OCD sort of way. I’m talking about a positive, healthy obsession, the kind that inspired the quote, “Do what you love, and you’ll never work a day in your life.” No matter what else is going on, their thoughts keep returning to their passion. Not because they feel burdened and pressured by it, but because they’re just so dang excited about it. They’re obsessed with their muse because it inspires them and makes them happy.
They don’t waste time. You won’t find passionate people wandering around a park all afternoon playing Pokemon Go. They don’t have time to be bothered with things that don’t matter or things that just kill time. They devote every minute available to their passion, and it’s not a sacrifice, because there’s nothing else they’d rather be doing.
They’re optimistic. Passionate people are always focused on what can be rather than what is. They’re always chasing their next goal with the unwavering belief that they’ll achieve it. You know how it feels when you’re looking forward to a really special event? Passionate people feel like that every day.
They’re early risers. Passionate people are far too eager to dive into their days to sleep in. It’s not that they don’t like to sleep; they’d just much rather be pursuing their passion. When the rooster crows, their minds are flooded with ideas and excitement for the day ahead.
They’re willing to take big risks. How much you want something is reflected in how much you’re willing to risk. Nobody is going to lay it all on the line for something they’re only mildly interested in. Passionate people, on the other hand, are willing to risk it all.
They only have one speed--full tilt. Passionate people don’t do anything half-heartedly. If they’re going, they’re going full tilt until they cross the finish line or crash. If they’re relaxed and still, they’re relaxed and still. There’s no in between.
They talk about their passions all the time. Again, we’re talking about people whose passions are inseparable from who they are, and you couldn’t form much of a relationship with them if they couldn’t be real about who they are, right? It’s not that they don’t understand that you don’t share their obsession; they just can’t help themselves. If they acted differently, they’d be playing a role rather than being authentic.
They’re highly excitable. You know those people who probably wouldn’t get excited if an alien spaceship landed in their front yard? Yeah, that’s not how passionate people operate. It’s not that they’re never calm, or even bored. It’s just that it takes less to get them excited, so they get excited more frequently and stay excited longer. One theory is that they devote their energy to just one or two things, so they make more progress, and that momentum fuels their excitement.
They’re all about their work. Passionate people don’t worry about work/life balance. Their work is who they are, and there’s no separating the two. It’s what they breathe, live, and eat, so there’s no such thing as leaving it at the office. Asking them to do that is tantamount to asking them to deny who they are. And they’re OK with that because there’s nothing else they’d rather be doing.
Bringing It All TogetherNow that you know what separates passionate people from everybody else, do you think you have enough passion in your life?
Please share your thoughts in the comments section below, as I learn just as much from you as you do from me.
ABOUT THE AUTHOR:Dr. Travis Bradberry is the award-winning co-author of the #1 bestselling book, Emotional Intelligence 2.0, and the cofounder of TalentSmart, the world's leading provider of emotional intelligence tests and training, serving more than 75% of Fortune 500 companies. His bestselling books have been translated into 25 languages and are available in more than 150 countries. Dr. Bradberry has written for, or been covered by, Newsweek, TIME, BusinessWeek, Fortune, Forbes, Fast Company, Inc., USA Today, The Wall Street Journal, The Washington Post, and The Harvard Business Review.
If you'd like to learn how to increase your emotional intelligence (EQ), consider taking the online Emotional Intelligence Appraisal® test that's included with the Emotional Intelligence 2.0 book. Your test results will pinpoint which of the book's 66 emotional intelligence strategies will increase your EQ the most.
Originally posted on Linked IN by: Dr. Travis Bradberry
Recently I had the honour of delivering the graduation ceremony keynote address at my Alma mater – the Australian National University in Canberra. In searching for some memorable and universal advice I realised looking back at my career that there is a big difference between your expectations leaving university or college and the reality of how your career unfolds.
As such, I was eager to give this talented class of Commerce and Economics graduates a gentle reality check on how to get ahead in their careers by sharing the Four Pieces Of Advice No Graduate Wants To Hear.
You can watch the full address here with a summary of the key points below:
Originally posted on Linked IN by: Creel Price
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