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The Guardian’s Ruth Spencer questions whether a degree in the US is worth it after total student debt tops $1trillion for the first time. More than half of all degree holders under 25 are jobless or under-employed, and only 3 of the 30 most in-demand occupations require a degree. Following the latest edition of HECSU’s ‘Graduate Market Trends’, the Guardian wonder whether similar questions can be asked of a degree in the UK, considering worrying employment prospects, and ask a number of graduates to reflect on the value (and cost) of their university experiences.
In two other articles, the Guardian also considers whether reversing the decline in sandwich courses or studying abroad could give students the employment-boost that they need.
Theres two ways to spend less moneythe easy way and the hard way. The hard way involves cutting back on everything from eating out to buying clothes to taking vacations. The easy way to spend less involves making smart changes that dont affect your lifestyle, such as refinancing debt to lower rates or comparison shopping for insurance.
And that brings me to American Express and Twitter.
American Express has launched a new program that enables cardholders to get deals on everyday purchases through, of all things, Twitter. Heres how it works:
So I linked my Starwood Preferred Guest® Credit Card from American Express to Twitter. It took all of about 60 seconds. And then I reed a few deals. A
Quick: what’s the first thing you notice when meeting someone new?
Is it color of their eyes or hair? What about their shoes or car? While most people tend to focus on obvious details, the thing that usually stands out more than someone’s signature scent, socks or suit, is their attitude and sense of confidence- or lack thereof.
Think back to the last party or networking event you attended. Who did you find more appealing- the guy slumped in the corner avoiding eye contact, or the person smiling confidently and engaged in an animated conversation? I thought so.
In the classic business motivational book Think and Grow Rich, Napoleon Hill reveals his Self-Confidence Formula, part of which advises the reader to begin “thinking of the person I intend to become.”
Hill was a firm believer in changing your attitude to change not only your circumstances, but the way that others perceive you. It’s almost a self-fulfilling prophecy: acting successful makes others believe you to be so, which in turn, leads you to act more confidently and so it goes. But the s
Higher Education Strategy Associates, confusingly for us in the UK, abbreviated to HESA, is a consultancy based in Canada that has just published Global changes in Tuition Fee Policies and Student Assistance, a review of “the major changes related to higher education affordability around the world in 2011”. The
Increasing mortgage rates coincided with decreasing refinance activity, the Mortgage Bankers Association (MBA) revealed in its latest weekly report.
For the week ending March 16, 2012, the MBA reported a jump in average mortgage rates, as well as a noticeable decline in refinancing activity of existing mortgages.
In this latest data the percentage of overall mortgage activity associated with refinancing dropped to 73.4 percent, which is lowest level since July 2011, the MBA said. This is a notable drop from the 75.1 percent share seen the previous week.
With the rate increase last week, refinances are obviously slowing, and the refinance share at 73% is down to its lowest level since last July, Jay Brinkmann, MBAs Senior Vice President of Research and Education, said in a statement. With rate/term refinances falling as we go forward, HARP will be a bigger percentage of refinances but will be more concentrated in certain states.
Week-over-week, mortgage application activity declined for both new-home purchases and existing-home refinances, the MBA noted.
The MBAs Refinance Index saw a large drop of 9.3 percent week-over-week, while the seasonally-adjusted Purchase Index decreased 1.0 percent from the previous week.