Friday, December 10, 2010

Foreign Distance Colleges Are a Low-Cost Alternative

Foreign universities have long been known to offer a more economical education than is offered in the US, but traveling to a foreign country to live there for a few years can be an obstacle in itself. Moving anywhere can be a hassle, and especially when you add on the bureaucracy of moving abroad. You also have to put your life at home on hold, leaving your job, family, home, and most of your belongings behind.

However, there's still a way of taking advantage of lower foreign tuition without the move. Many foreign colleges and universities offer degrees by distance learning at a much lower cost than the same degree would cost in the US. The University of South Africa is popular amongst distance learners who want to save money. This university offers a wide variety of degrees in the arts, sciences, business and technology. In fact, UNISA offers just about every degree which you'd expect to find at a large American university. A bachelor's degree takes three years, and only consists of courses which are directly related to the major. A computer science degree costs R7216 per semester, which is $1,054 according to xe.com. That's a total of $6324 for the six semesters. The last US college I attended now charges that amount for only one semester, and it takes eight to get the degree.

India also has numerous distance learning colleges which are cheaper than in the US. Annamalai University offers a wide variety of distance degrees, and the tuition is so low that I'm sure I'm missing something. However, the tuition for a Bachelor of Communication in international business is 8250 rupees, which is $182 according to xe.com. There are also MBAs on offer for 25850 rupees, or $569. Some degrees require traveling to India for a month for on-site instruction. The degrees which require this are mostly science degrees and degrees in music and dance. This website offers more information on India's distance learning schools.

An additional cost along with the textbooks would be test proctoring fees, as distance learning schools often require that the final exam be written under supervision. There's also the question of the degree being recognized back home, and there are a number of credential evaluation services which are helpful in this regard. The National Association of Credential Evaluation Services has a list of its members on their website.

With so many jobs being outsourced, outsourcing college is well-worth considering. A foreign distance degree offers yet another option of getting a college degree without putting your life on hold for four years and graduating with a lot of debt.


CheapOair.com textbookx.com (Akademos, Inc.)

Wednesday, November 10, 2010

The Case for Apprenticeships

When many people think of apprenticeships, they think of something from about two hundred years ago which wouldn't work in the modern world. At the very least, they see this as only being an option to train for a very small number of very specialized occupations. Still, it might be well worth considering reintroducing apprenticeships as an alternative to college in the United States for a number of reasons.

First, the main reason why most students go to college is the hope of getting a job. But very little of what one learns at college would be applicable to most jobs. Unless one's shooting towards an "academic" career like engineering or medicine, it's worth asking why so many employers demand college degrees for jobs which have nothing to do with academic knowledge. In Germany, most people learn their vocation through a paid apprenticeship which typically lasts for three years. During this time, the apprentice does on the job training a couple of days a week while visiting a vocational school on the other days. Although apprentices are only paid the equivalent of about $280 a month, it's quite a bit of money for the young people who do apprenticeships, who are normally between 15 to 18 years old at the time that they start. Also, the vocational schools are part of the public school system, so the vocational training is free.

Such a system would be a step forward in the US as it would reduce the number of young people starting out in life with a load of student loan debt. In the US, even most vocational schools charge some type of tuition. Considering the fact that a high school graduate has spent 13 years in school, it's interesting that most high school graduates have few, if any, vocational skills, when the supposed idea behind the school system is to prepare the kids for jobs. It seems that in the US, one has to go into debt in order to get vocational training if one doesn't have parents who are able or willing to pay for it. The only alternative is often unskilled, low-paid jobs which don't offer much chance for advancement.

Also, the option of paid apprenticeships would improve life on the college campuses, as the disinterested students might not be so interested in spending four years with academia when they can be spending the same time earning money. It would help to restore the universities' original image of being institutions of education and research, instead of the increasingly rowdy party image that they have. If only serious students attended colleges and universities, the degrees from these institutions would retain their value. In fact, their value might even increase, as it would be no longer necessary to dumb down the coursework and practice grade inflation for the sake of the students who really aren't college material. The campuses would also be safer, as not so many tough kids would make it in.

Finally, paid apprenticeships might reduce the costs of college. In most European and Asian countries, college is either low-cost or free. If American colleges were populated with fewer students, but students with better academic skills, it might be possible to provide American students with this same advantage.

Some people would say that it's not fair to only give the smarter kids the chance to go to college. After all, shouldn't the American value of equality give everybody an equal chance? I admit that I also thought it was unfair when I first heard that only about 15% of German young people ever attend a university. That was before I came to Germany. Most German young people aspire to an apprenticeship, and consider it a bad thing if they don't find one. On the other hand, America's colleges are filled with students who don't really want to learn. About half of them drop out before getting their degree, many of them during or just after their freshman year. As most colleges are heavily funded with public money, that's a lot of wasted tax money, let alone the money that their parents often waste. If the reason why they want to go to college is to train for a job, it would be better to use the time and money to actually teach them a trade.

As the costs of education continue to rise and the number of student loan horror stories rises with them, it's worth considering changes in the education system to lower costs. If the US is supposed to be the land of opportunity, these reforms should try to make it possible to learn a vocation without excessive costs. Apprenticeships would be one good option, as would teaching more vocational skills in the high schools, so that kids would leave the public school system with the job skills necessary to support themselves.


Teach English Abroad

Tuesday, November 2, 2010

Investment Courses - Options Trading

Investment courses are worth considering, as investing can be just as risky as it is profitable. However, as there seems to be an ocean of investment advice in the form of books, newspaper articles, magazines, TV shows, etc., it can be hard to pick the right ones. Options University offers a wide variety of courses in options trading, and their courses are taught by professional options traders with at least five years experience in professional trading. The courses range from the beginner's level to pro, and they come in a variety of formats, including self-paced home study courses and live online classes. Options University also hosts live seminars around the world. Anybody who's considering stock options as an investment can find more information at Options University's website.

Monday, October 25, 2010

Is College Really a Good Investment?

In an earlier post, I discussed some of the nightmares I experienced at a public college in Memphis. If I'd had the money at the time, I would have applied to a private college there. Ideally, I would have attended Rhodes College, one of the more elite schools in Memphis which has beautiful Gothic architecture with stained glass windows. I recently looked at Rhodes' website, and although it still seems like a very good school, the costs make me wonder if I really regret not going.

The tuition is $34,000 a year, meaning that a four-year degree at this college costs $136,000. If I had gone to this college, I'd now be wondering what other things I could have done with the money. If it was invested with a 10% return, it would produce $13,600 per year, and as a frugal person, I could live well on that. $136,000 is also enough money to buy a house outright, and would therefore mean not having a rent or mortgage payment each month. Being the single biggest expense in most households, getting rid of this expense is a giant leap towards financial independence.

There's also the question of whether or not it makes sense to pay all that money for an education when the contents of it are available cheaper elsewhere. For the past few months, I've been maintaining a list of free online textbooks on this website, and I'm frequently amazed at how much stuff is out there. If I attended a brick-and-mortar college at this point, I'd feel foolish for spending money on something that I know I can get for free. Not to mention the fact that it's easier to get information online at my own convenience rather than having to go to classes at a set time.

Last but not least, there's always the never-ending supply of college horror stories. My latest find is The Five Year Party, a blog written by a former journalism professor at one of the "party colleges," who gave up after a twelve-year teaching career. His blog is filled with horror stories, and he's also written a book about his experiences. It's well worth a visit if you're considering a brick-and-mortar college.

All in all, I'm glad to be doing college homeschool-style. Although I was never in the position to apply to a private college, I'm beginning to think that it was a blessing in disguise. Amongst other things, I probably wouldn't be writing this blog, and I always enjoy seeing what cheaper alternatives there are to the traditional college experience.


StraighterLine Freshman Year Back To School 2010

Friday, October 22, 2010

The Free Online College

As a college education is normally a major investment, it's interesting to see that it's possible to get one for free. The University of the People offers free online courses to the Associate's and Bachelor's levels in Business Administration and Computer Science. As the education is free, many people will wonder what the catch is. The University of the People isn't yet accredited, and therefore, can't yet award degrees.

Still, this college might be worth considering for some. Although the college isn't accredited, it's courses do offer valuable knowledge. Amongst their computer courses are offerings in software engineering, programming, and operating systems. It might be an idea to use this knowledge to take IT certification exams, which would be widely recognized. Also, the value of this education depends on what you want to do afterwards. If you wanted to list it on a resume while applying for a traditional job, most employers would probably be wary. It would also be difficult to transfer to an accredited institution to earn a graduate degree. However, you might have more success if you listed it as a qualification to work as a freelancer. If you were using the knowledge in your own business, the lack of accreditation wouldn't be a problem.

Personally, I'm taking a serious look at this option, as the computer science courses do look good, and you can't beat getting it for free. I still don't know what this college's policies are on taking transfer credit, or in letting people enroll for individual courses rather than the entire program. I'm thinking that it might be possible to transfer the UoP course credit to one of the Big Three distance colleges, and get an accredited degree from them. At the same time, the Big Three might also not recognize college credit from an unaccredited college.

Wednesday, September 1, 2010

The Free Online College Core Curriculum

Over the past year or so, I've been on the lookout for free online learning materials, and have been surprised at the abundance of materials which are out there. In fact, there are so many that I've started to think that one could get a whole college education with free online learning materials. There's even one university, the University of the People, which offers a college education for free, with the only costs being for testing and a few administrative fees. I've also discovered that the core curriculum for a bachelor's degree can be gotten online for free. I've put together this list of the core courses for most bachelor's degrees, along with the name of the exam which can be used to fulfill that requirement, and a link to an online textbook or course which can be used to prepare for the exam. (More information for getting a college degree through independent study can be found at http://www.testingoutofcollege.com/ and at http://www.bain4weeks.com/.)

Written Communication

AP English Language and Composition or CLEP English Composition 6 credit hours (Online Textbooks)

Oral Communication

DSST Principles of Public Speaking 3 credit hours (Online Textbooks)

US History

DSST Civil War and Reconstruction 3 upper-level credit hours (Yale Open Courses)

CLEP US History to 1877 3 credit hours
CLEP US History since 1865 3 credit hours
Online textbook for US History from precolonization to the present

Non-US History

CLEP Western Civilization 1 and 2, 3 credit hours each.(Online Textbook)

Global Understanding

DSST World Religion 3 credit hours (Online Textbook)

DSST General Anthropology 3 credit hours (Online Textbook)

Literature and Fine Arts

DSST Art of the Western World 3 credit hours (Online Textbook)

CLEP English Literature 6 credit hours (Online Textbook)

Ethics

DSST Ethics in America 3 credit hours (Online Textbook)

Social Sciences

CLEP Introductory Psychology 3 credit hours (Online Textbook)

CLEP Introductory Sociology 3 credit hours (Online Textbook)

Mathematics

CLEP College Algebra 3 credit hours

CLEP Calculus 3 credit hours

An assortment of online mathematics textbooks.

Natural Sciences

CLEP Biology 6 credit hours (Online biology book)

CLEP Chemistry 6 credit hours (Online chemistry book)

I put this list together using Charter Oak's core curriculum as a guide, but the core curriculum of most other colleges is similar. My goal is to get a college degree entirely through credit-by-exam, so that my only costs will be the testing fees and the administrative fees to get the credits banked and to get the degree. It's not only possible these days to get a college degree without going into debt, it's also possible to get a degree without going to college, except to go to the testing center.

Buy One StraighterLine Online College Course Get One Free.

Saturday, August 21, 2010

Learn Filmmaking Online

Filmmaking would seem to be one of those subjects which you can't learn at home on your own, like medicine. Although some smaller aspects of the process, like screenwriting, might be learnable at home, the whole process of filmmaking seems to be just too big to fit in the garage. Anybody who's ever been to a film studio has seen the warehouse-sized studios where they work, along with the room-sized equipment that's used to piece the film together afterwards. And filmmaking requires the participation of so many people. The end credits of most movies list the names of hundreds of people. All in all, it seems to be too complicated and too major a project for amateurs. The only way to learn filmmaking must be to go to an expensive film school that might be hundreds of miles away.

Some websites challenge this presumption. Wikibooks' Movie Making Manual and the Film School Online both offer free filmmaking lessons. Both websites offer a detailed description of the filmmaking process from the original idea to postproduction and marketing, and the process isn't as overwhelming as it might seem. It isn't necessary to have a warehouse full of equipment, and the film can be edited on a laptop with a software program like FinalCut. It's also possible to get background music without having an orchestra in the living room. The Film School Online has numerous book recommendations which can supplement the filmmaking course.

These websites can be an enormous help to an aspiring filmmaker who wants to start with short films and to go on to larger projects as they gain experience. Anybody who wants more hands-on experience might attend a workshop in filmmaking as a supplement to self-study and still come out of it in a shorter time and with less debt than a traditional film school student. Anybody who's planning on going to film school anyway can be familiarized with filmmaking through these websites before making a commitment to it.

There seems to be some debate as to whether or not traditional film schools are worth it. Not long ago I found a forum in which some of the posters had been through film school but wouldn't go through it again. It's been argued that most film school graduates don't work as fimmakers, but as teachers in other film schools, and that it might be a better idea to put the money that would have been spent on film school into producing an independent film. An idea might be to combine independent study in filmmaking with business subjects, which aren't usually throroughly covered in the film schools. Whether one decides to go to a brick-and-mortar film school or not, it's a good idea to do one's own research as to how the film world works before making a final decision.