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Gaano ka important sa inyong magkaroon ng bahay compared sa makapag-aral sa college?

jeganrrjeganrr Member PEx Influencer ⭐⭐⭐
Kasi diba maraming Pilipino importante sa kanila na magkapag-aral or makatapos sa prestigious na college or university? Diba maraming Americans naman hindi ganung ka importante kung makapag-aral sila sa prestigious na college or university kas mahal mag-aral sa college?Kaya marami sa mga Americans pupunta na lang sila sa vocational or preparatory college para makapag-aral or magtrabaho nalang sila.Diba marami sa mga Pilipino igagapang nila yung mga anak nila para makapag-aral or makatapos sa prestigious na college or university?Diba sa mga Americans ang pangarap nila yung magkaroon ng sariling bahay?
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Comments

  • panis_na_putopanis_na_puto Member PExer
    Para sa akin mas mahalaga ang nakapag-aral kaysa magka-bahay. Iyong kaalaman ang pinakamahalaga sa lahat.

    Sa Pinas kailangan sa bantog na paaralan nakatapos dahil ELITISTA ang lipunan. Kapag 'di kilalang paaralan ay hirap magsimula sa unang trabajo. Sa ibang bansa, maski saan ka pa nakapag-aral ay hindi ka mamatahin!

    Sa totoo lang, ngayong naranasan ko na ang may sariling bahay, mas mainam na mangupahan na lang. Mangyari natutulog ang pera sa bahay. Kung ang hinulog ko sa aking mortgage noong araw ay pinuhunan ko sa mutual funds mas malayo na ang katayuan ko ngayon sa larangan ng financial independence!
  • pusang_miyawpusang_miyaw ask.fm/pusangmiyaw PEx Influencer ⭐⭐⭐
    Para sa akin mas mahalaga ang nakapag-aral kaysa magka-bahay. Iyong kaalaman ang pinakamahalaga sa lahat.

    Sa Pinas kailangan sa bantog na paaralan nakatapos dahil ELITISTA ang lipunan. Kapag 'di kilalang paaralan ay hirap magsimula sa unang trabajo. Sa ibang bansa, maski saan ka pa nakapag-aral ay hindi ka mamatahin!

    Sa totoo lang, ngayong naranasan ko na ang may sariling bahay, mas mainam na mangupahan na lang. Mangyari natutulog ang pera sa bahay. Kung ang hinulog ko sa aking mortgage noong araw ay pinuhunan ko sa mutual funds mas malayo na ang katayuan ko ngayon sa larangan ng financial independence!
    Pero ok na din na may bahay ka. Kasi mas secured ka at di ka na mag aalala na lumipat ng rerentahan anytime. 
  • art727art727 Member PEx Influencer ⭐⭐⭐
    Sasagutin ko ang una! na yung americans daw ay mas mahalaga ang magtrabaho kesa makapag-aral..una ewan ko kung saan mo nakuha ang ganong prinsipyo tungkol sa mga amerikano.

       Sa America napaka-importante ang makapag-aral..at sa kadahilanang halos libre ang makatapos ka ng kahit anumang kurso at kadalasan sa state colleges ay libre ang mga kurso, wala kang babayaran tuition fee para makapag-aral..May mga paaralang talagang wala kang kahit isang sentimong gagastusin...At habang nag-aaral ang isang estudyante? inoobliga ang bawat kumpanya na bigyan ng trabaho ang mag-aaral habang bakasyon sa eskwelahan.Part time job ika nga!..inooperan din sila ng educational loan o government loan sa gustong kumuha ng mga kursong kanilang gustong kunin at babayaran ang nakuhang loan kapag nakapagtapos na sila at nagkatrabaho.. Sa amerika ay parating concern sila sa mga batang nahuhuling nagbubulakbol at ito ay kanilang hinuhuli at dinadala sa mga magulang..DITCHING sa eskwelahan..at pinananagot ang magulang sa pag SKIP ng aralin sa eskwela..Kaya nasanay na ang batang magsipagpatuloy ng kanilang edukasyon..
  • panis_na_putopanis_na_puto Member PExer
    Para sa akin mas mahalaga ang nakapag-aral kaysa magka-bahay. Iyong kaalaman ang pinakamahalaga sa lahat.

    Sa Pinas kailangan sa bantog na paaralan nakatapos dahil ELITISTA ang lipunan. Kapag 'di kilalang paaralan ay hirap magsimula sa unang trabajo. Sa ibang bansa, maski saan ka pa nakapag-aral ay hindi ka mamatahin!

    Sa totoo lang, ngayong naranasan ko na ang may sariling bahay, mas mainam na mangupahan na lang. Mangyari natutulog ang pera sa bahay. Kung ang hinulog ko sa aking mortgage noong araw ay pinuhunan ko sa mutual funds mas malayo na ang katayuan ko ngayon sa larangan ng financial independence!
    Pero ok na din na may bahay ka. Kasi mas secured ka at di ka na mag aalala na lumipat ng rerentahan anytime. 
    Naisip ko rin ito. Maraming nagsasabi na kapag nangungupahan ay palipat-lipat.

    Pero iyong bayaw ko mahigit 40 taon tumira sila sa Malate bago giniba iyong mga unit. Dito naman sa amin iyong kumpare ko mahigit 20 taon nang nakatira sa kanilang unit hindi naman pinaaalis.

    Kung tumira ako ng limang taon sa isang lugar ay ayos na. Nais na nga naming mag-downsize. Problema lang ang dami naming gamit. Pati mga anak ko na nagsarili na ay nag-iwan pa rin ng gamit dito sa amin.

    Magastos ang may sariling bahay. Mas ayos ang nangungupahan!
  • art727art727 Member PEx Influencer ⭐⭐⭐
    Duon kay PnP..naman na ginusto na sana niya noon na nangupahan kesa bumili ng Bahay at sa dahilang nagamit niya sanang puhunan sa stocks and bonds..Ewan ko kung ano patakaran sa Australia..pero sa amerika ang pagbili ng Bahay ay isang masasabing TAX SHELTERS at ang lahat ng ibinabayad mo ay tax deductible sa katapusan o pagtatapos ng taon..at maaring I-refund sa iyo ang halos o lahat ng iyong ibinayad , samantalang nangungupahan ka ang pera mong ibinabayad ay nababale wala dahil walang napapakinabangan at ang nakikinabang ay ang may ari ng iyong inuupahan na nakabayad dahil sa iyong upa at nakakapag-TAX SHELTER PA! kaya mas maganda siguro yung nagbabayad ka ng mortgage loan kesa nangungupahan at kung bayad na ang Bahay mo..wala ng TAX SHELTER!, puwede mo namang gawing collateral para bumili ulit ng isa pang Bahay para pang-tax shelter ulit ng 15?,20?,30? years mortgage. Ewan ko lang sa Australia ang patakaran...sa property tax..Isa pa! sa ibang states sa amerika mayroon walang property tax at sa iba naman ay walang income tax..depende kung saang state sa amerika ka nakatira... 
  • jeganrrjeganrr Member PEx Influencer ⭐⭐⭐
    art727 said:
    Sasagutin ko ang una! na yung americans daw ay mas mahalaga ang magtrabaho kesa makapag-aral..una ewan ko kung saan mo nakuha ang ganong prinsipyo tungkol sa mga amerikano.

       Sa America napaka-importante ang makapag-aral..at sa kadahilanang halos libre ang makatapos ka ng kahit anumang kurso at kadalasan sa state colleges ay libre ang mga kurso, wala kang babayaran tuition fee para makapag-aral..May mga paaralang talagang wala kang kahit isang sentimong gagastusin...At habang nag-aaral ang isang estudyante? inoobliga ang bawat kumpanya na bigyan ng trabaho ang mag-aaral habang bakasyon sa eskwelahan.Part time job ika nga!..inooperan din sila ng educational loan o government loan sa gustong kumuha ng mga kursong kanilang gustong kunin at babayaran ang nakuhang loan kapag nakapagtapos na sila at nagkatrabaho.. Sa amerika ay parating concern sila sa mga batang nahuhuling nagbubulakbol at ito ay kanilang hinuhuli at dinadala sa mga magulang..DITCHING sa eskwelahan..at pinananagot ang magulang sa pag SKIP ng aralin sa eskwela..Kaya nasanay na ang batang magsipagpatuloy ng kanilang edukasyon..
    Pero eto po yung sinasabi ko.

    Millions of young adults have entered the workforce with no more than a high school diploma

    Martha Ross and Nicole BatemanWednesday, January 31, 2018

      Education beyond high school is critical to advancing beyond low-wage jobs, as reams of data and experience have shown. Those with only a high school diploma have higher unemployment rates and lower earnings than their counterparts with more education.

      Authors

      Nicole Bateman

      Nicole Bateman

      Research Analyst - Metropolitan Policy Program

      However, while the message about the importance of a college education is clear, the path is not always smooth. More education means more transitions—enrolling in a college or training program that’s affordable and a good fit, completing the program to earn a degree or credential, and then starting a career. Transitions are a time of promise but also vulnerability.

      In this blog post, we look at 18-24 year-olds who are not enrolled in school to get a rough measure of how well young people are navigating these transitions. Almost half (48 percent) of all young people, about 15 million, are not in school. Some of them have graduated from high school or college, but many appear to have decided they were finished, to borrow Kanye West’s phrasing.

      Most disconnected youth—those neither working nor in school—have a high school diploma

      About 15 percent of all young people, or 4.7 million, fall into the category of disconnected or opportunity youth, meaning they aren’t in school and don’t have a job. Half of this not-working/not-in-school group has a high school diploma, and nearly 20 percent has taken some college courses but did not earn a degree. About 25 percent did not finish high school. Young people disconnected from school and work have received a great deal of policy and program interest as of late, and deservedly so: they face a number of roadblocks on the path to adulthood and successful careers.

      One in three young adults go to work rather than school, but few have college degrees

      However, larger numbers of the not-in-school group are working: 33 percent of all young adults, or about 10 million. Although these young people are connected to the labor market, not all connections are equal.

      Career advancement prospects are limited for workers with low levels of education, and the data are not promising on this front: only one in five of the working/not-in-school group has an Associate’s or Bachelor’s degree. The largest share of the working/not-in-school group (nearly half, or 42 percent) has only a high school diploma; another ten percent has less than a high school education. That is, 5.3 million 18-24 year-olds—17 percent of all young adults—are done with school, at least for now, and are participating in the work world armed with no more than a high school diploma.

      Infographic - Out of school flow chart PNG

      Vulnerable young people live in a diverse set of places

      Disconnected young people are concentrated in places with above average unemployment rates. Many such places are contending with deindustrialization, the after effects of the housing bust and depressed consumer spending, general economic shifts favoring technology and digital skills, or some combination of these trends. They include cities with an industrial past, such as Detroit, Philadelphia, and Baltimore; less densely developed areas with an agricultural heritage, such as Hildalgo County in southern Texas and Kern and Stanislaus counties in California’s Central Valley; and Sunbelt areas with fast-growing construction, hospitality, or logistic sectors, such as Phoenix, Las Vegas, and several Florida counties. Many of these places have sizable black and Latino populations, who have lower rates of school enrollment overall.

      On the other hand, almost half of the 20 places with the highest shares of employed young people with a high school diploma or less have tighter labor markets and lower unemployment rates. These include Tulsa County, Oklahoma; Salt Lake County, Utah; and a number of Texas counties in the Dallas, Houston, and San Antonio regions. With economies fueled by the energy sector, wholesale trade, advanced manufacturing, and professional services, these areas draw more people into the workforce, even those with less experience and education who might not otherwise be competitive candidates. The remaining places with high shares of working, high school-educated young people overlap with the areas with high shares of disconnected youth or live in places with similar economic characteristics in that their industry base does not require a highly-educated labor pool or they have an above-average unemployment rate.

      Young people who have gotten a foothold in the labor market may not see as much need to pursue higher education, especially if they are not in an area with high demand for workers with Bachelor’s degrees, such as San Francisco or Washington, D.C. But this dynamic holds back not only their individual progress in the labor market but that of wider regional economies; well-paying jobs requiring higher levels of education are unlikely to locate and grow in places absent people with the skills to fill them.

      20180130_Metro_Table1_disconnected youth

      20180130_Metro_Tables2_disconnected youth

      We need better educational and skill-building options

      Nearly 30 percent of young adults have left school but have no more than a high school diploma. Whether or not these young people are currently working (and most are), they are all but guaranteed a future of low-wage work unless they go back to school or otherwise increase their skills. Notably, more education is not confined to Bachelor’s or Associate degrees. Shorter-term post-secondary certificates increase employment and earnings and can act as stepping stones to degrees.

      If choices after high school are low-wage work or a post-secondary landscape that is confusing, difficult to navigate, and financially out-of-reach, we are setting young people up for failure. There is much we can do to ease the transition from high school to post-secondary education and ultimately into the labor market:

      All of these options are within reach. They are intensely local in nature, although that does not negate the importance of state and federal policy in supporting or catalyzing activity. But ultimately, it is the leaders of school districts, high schools, community colleges, workforce investment boards, and training/youth development organizations who will design and implement new approaches—ideally in close coordination with area employers. In forthcoming research, we will provide new analysis of young adults who are out of work and suggest program and policy solutions in hopes of sparking greater discussion and action.

    • panis_na_putopanis_na_puto Member PExer
      art727 said:
      Duon kay PnP..naman na ginusto na sana niya noon na nangupahan kesa bumili ng Bahay at sa dahilang nagamit niya sanang puhunan sa stocks and bonds..Ewan ko kung ano patakaran sa Australia..pero sa amerika ang pagbili ng Bahay ay isang masasabing TAX SHELTERS at ang lahat ng ibinabayad mo ay tax deductible sa katapusan o pagtatapos ng taon..at maaring I-refund sa iyo ang halos o lahat ng iyong ibinayad , samantalang nangungupahan ka ang pera mong ibinabayad ay nababale wala dahil walang napapakinabangan at ang nakikinabang ay ang may ari ng iyong inuupahan na nakabayad dahil sa iyong upa at nakakapag-TAX SHELTER PA! kaya mas maganda siguro yung nagbabayad ka ng mortgage loan kesa nangungupahan at kung bayad na ang Bahay mo..wala ng TAX SHELTER!, puwede mo namang gawing collateral para bumili ulit ng isa pang Bahay para pang-tax shelter ulit ng 15?,20?,30? years mortgage. Ewan ko lang sa Australia ang patakaran...sa property tax..Isa pa! sa ibang states sa amerika mayroon walang property tax at sa iba naman ay walang income tax..depende kung saang state sa amerika ka nakatira... 
      Dito sa amin ang tahanang tinitirahan ng may-ari ay HINDI TAX SHELTER.

      Pero maski na tax shelter pa ito mas kikita pa rin ang pera ko sa mutual fund kung doon ko linagay ang pero imbes na UTANG.
    • art727art727 Member PEx Influencer ⭐⭐⭐
      actually ang pinatatamaan ng author ay yung minorities na black and Mexicans..dahil ang numbers niya ay kakarampot sa total population ng amerika..si Bill Gates nga di nagtapos ng kolehiyo, at iba pang mil at bilyonaryo..sa amerika lang yang kinukumpara nya...
    • jeganrrjeganrr Member PEx Influencer ⭐⭐⭐
      Here's an information related to this thread.
      MONEY

      More and more young people have to choose between paying for college and buying a home

      Published Thu, May 31 2018  11:51 AM EDTUpdated Thu, May 31 2018  11:57 AM EDT
      0:49
      Millennials are making a big mistake by not owning their homes, says one...

      Millennials increasingly face a difficult decision: pay off student loans or buy a home. That’s because doing both is increasingly impossible.

      Thanks to soaring college costs starting in the early 2000s, millennials, more than any other generation, were forced to take out massive student loans to pay for their degrees. A decade or so later, they’re still not in the black. In fact, student loans currently account for roughly $1.4 trillion of U.S. debt. Today, about one in four millennials has some form of student debt, according to Pew, with those holding a bachelor’s degrees carrying about $25,000. And some, of course, have more, even, in some cases, hundreds of thousands of dollars in debt they fear they’ll never be able to repay.

      That level of student loan debt is not only causing financial stress — it’s also keeping millennials from becoming home-owners, which denies them long-term stability and wealth they could eventually pass on to their own children.

      0:57
      Here’s how Tony Robbins suggests millennials approach buying homes

      A college degree is still worth having: Studies consistently show that a BA provides more secure employment, higher lifetime earnings and even a longer life expectancy. But if you have to pay for it yourself, a college degree doesn’t give you enough of a boost to enable you to balance debt and saving for a home at the same time. Over 80 percent of those between the ages of 22 and 35 who have student loans say that debt is the biggest factor holding them back from purchasing a home, according to research by the National Association of Realtors.

      The New York Federal Reserve also found that the roughly 35 percent drop in home owners between the ages of 28 and 30 over the eight-year period starting in 2007 was due, in part, to student loan debt. (The other major factor, of course, was the housing crash and foreclosure crisis that started in 2008.) Going a step further, the Fed found that, if student loan levels had remained at 2001 levels, more than 360,000 of those millennials would have achieved home-ownership.

      “If people had the same levels of student debt as about 20 years ago, they probably would be buying a lot more homes than they are buying now,” Wilbert van der Klaauw, author of the study, tells the New York Times, which concludes, “College loans have made mortgages a pipe dream.”

      1:20
      Don’t buy a home until you’ve considered these factors

      Indeed, the more student loan debt you have, the less likely you’ll be to own a home: The New York Fed found that those with $25,000 in student loans will have a substantially lower chance of owning a home by the time they hit age 33 than their debt-free counterparts.

      Among older millennials, those aged 29-38, less than a third own a home, the NAR found. And younger millennials fare no better, with only 11 percent achieving home-ownership. Those rates are part of a wider trend that shows home-ownership among those in the 20s and 30s is at an almost 30-year low.

      Sadly, that trend is unlikely to change anytime soon. Although the vast majority of millennials say they’d like to purchase a home, most are about a decade away from having the savings to do so, according to 2017 data from Apartment List.

      A lot still depends on where millennials are looking to buy and their savings rates. For example, the research found that those in Miami may be able to afford a home in a little over six years. Residents of San Jose, Calif., meanwhile, will likely need to save for over 20 years.



    • jeganrrjeganrr Member PEx Influencer ⭐⭐⭐
      Here's an information related to this topic.

      To Buy a House, Go to College

      A bachelor’s degree is not a requirement for homeownership, but it is starting to look like one.

      MAY 18, 2016
      Future homeowners?CARLO ALLEGRI / REUTERS

      The link between homeownership and educational attainment is easy enough to understand. More education means higher income, which means more money for a down payment, and a mortgage, and all the rest. The Millennial generation is the most educated generation in U.S. history. Yet it is not the most anchored.

      A bachelor’s degree is not a requirement for homeownership, but it is starting to look like one. As household incomes are increasingly linked to educational attainment, so is homeownership status. At the same time, spending money on a better education can be, for a while, a barrier to homeownership. This paradox might be the driving factor of the U.S. housing market today, which is still slow to grow even despite a strong recovery.

      Get the latest issue now.

      Subscribe and receive an entire year of The Atlantic’s illuminating reporting and expert analysis, starting today.

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      Issue cover image

      First American, a U.S. title-insurance provider, tracks homeownership rates and related demographic and economic factors in its Homeownership Progress Index. Mark Fleming, the chief economist for First American, says that the change in education status is looking more and more pronounced in the housing market. “The [homeownership] gap is widening by education attainment level,” he says, adding, “Getting educated takes time. You’re much less likely to be a homeowner when you’re in college.”

      In 1990, the difference in homeownership rates between people without a high-school diploma and people with a bachelor’s degree or higher was 15 percentage points. “Having an education helped,” Fleming says. But now things are different: The gap between those two groups in 2015 was 28 percentage points.

      2014 report from the Pew Research Center helps to explain this gap. The median monthly earnings for a young adult with a bachelor’s degree grew 13 percent between 1984 and 2009. Households with a master’s degree also saw their incomes rise. But those without a college degree—meaning people with an associate’s degree, a high-school diploma, or no diploma—saw their median monthly earnings decline between 1984 and 2009.

      But Millennials aren’t buying homes and starting households at the same rates as previous generations, despite their educational ambitions—or, perhaps, because of them. “If you’re busy getting educated, that takes time,” Fleming says. “You’re much less likely to be a homeowner when you’re in college.”

      Meanwhile, households that have not pursued an education and who might be prepared for homeownership may not have the means. Education is one of the perils of being part of this generation: Getting a degree means putting off homeownership for a long time—while not getting one may mean putting it off for good.


      This article appears courtesy of CityLab.

      We want to hear what you think about this article. Submit a letter to the editor or write to [email protected]

      KRISTON CAPPS is a staff writer for CityLab covering housing, architecture, and politics. He previously worked as a senior editor for Architect magazine.
    • IronHandofJusticeIronHandofJustice Member PEx Guru 🎖️🎖️
      Hindi naman sana kailangang pumili magkabahay kung may public housing lang ang gobyerno at free education para sa lahat.

      Pero kung ako pagpipiliin, siyempre aral muna. Kasi kung may matino kang trabaho, makakabili ka naman ng bahay eventually.

      Sa America kasi, na-undervalue nila ang pag aaral sa mga universities dahil sa student loan debt, tapos magtatrabaho lang pala sa McDonalds. Dito sa atin, you can barely find a good paying job kung hindi ka nakapatong ng kolehiyo.
    • nikkilovenikkilove Member PEx Influencer ⭐⭐⭐
      it depends,  if college na pang abroad or kung magaling ako sa in demand na kurso sa pilipinas like accounting or emgineering, Id take a risk with college. 

      but if a 3-4 bedroom house is to be given to me at the heart of QC, Ortigas or Makati, id go with the house. this is given i was borm with no resources, not my current status,

      parang kaya ko maging street smart enough to take care of daily expenses sans the rent or monthly payments..

      h.s. grads or those with 6 diploma courses are getting hired now which were previously only almost for college grads....i think i cam fair well without a college degree.
    • pong_padourpong_padour Member PEx Influencer ⭐⭐⭐
      Para sa akin mas mahalaga ang nakapag-aral kaysa magka-bahay. Iyong kaalaman ang pinakamahalaga sa lahat.

      Sa Pinas kailangan sa bantog na paaralan nakatapos dahil ELITISTA ang lipunan. Kapag 'di kilalang paaralan ay hirap magsimula sa unang trabajo. Sa ibang bansa, maski saan ka pa nakapag-aral ay hindi ka mamatahin!

      Sa totoo lang, ngayong naranasan ko na ang may sariling bahay, mas mainam na mangupahan na lang. Mangyari natutulog ang pera sa bahay. Kung ang hinulog ko sa aking mortgage noong araw ay pinuhunan ko sa mutual funds mas malayo na ang katayuan ko ngayon sa larangan ng financial independence!
      Sabi ko sa yo tatang noon pa na liability ang bahay, pilit mo dati asset yan. Hahahaha
    • panis_na_putopanis_na_puto Member PExer
      Para sa akin mas mahalaga ang nakapag-aral kaysa magka-bahay. Iyong kaalaman ang pinakamahalaga sa lahat.

      Sa Pinas kailangan sa bantog na paaralan nakatapos dahil ELITISTA ang lipunan. Kapag 'di kilalang paaralan ay hirap magsimula sa unang trabajo. Sa ibang bansa, maski saan ka pa nakapag-aral ay hindi ka mamatahin!

      Sa totoo lang, ngayong naranasan ko na ang may sariling bahay, mas mainam na mangupahan na lang. Mangyari natutulog ang pera sa bahay. Kung ang hinulog ko sa aking mortgage noong araw ay pinuhunan ko sa mutual funds mas malayo na ang katayuan ko ngayon sa larangan ng financial independence!
      Sabi ko sa yo tatang noon pa na liability ang bahay, pilit mo dati asset yan. Hahahaha
      Asset pa rin ang bahay. Hindi nga lang liquid tulad ng mutual funds. At mas mabilis pati ang lago sa mutual fund kaysa sa bahay.
    • pusang_miyawpusang_miyaw ask.fm/pusangmiyaw PEx Influencer ⭐⭐⭐
      To be specific ang asset talaga is the land. 
    • LTLT Member PEx Icon 🎖️🎖️🎖️
      you can do both if pareho mo sila gusto, di naman sila mutually-exclusive ;)
    • LTLT Member PEx Icon 🎖️🎖️🎖️
      jeganrr said:
      art727 said:
      Sasagutin ko ang una! na yung americans daw ay mas mahalaga ang magtrabaho kesa makapag-aral..una ewan ko kung saan mo nakuha ang ganong prinsipyo tungkol sa mga amerikano.

         Sa America napaka-importante ang makapag-aral..at sa kadahilanang halos libre ang makatapos ka ng kahit anumang kurso at kadalasan sa state colleges ay libre ang mga kurso, wala kang babayaran tuition fee para makapag-aral..May mga paaralang talagang wala kang kahit isang sentimong gagastusin...At habang nag-aaral ang isang estudyante? inoobliga ang bawat kumpanya na bigyan ng trabaho ang mag-aaral habang bakasyon sa eskwelahan.Part time job ika nga!..inooperan din sila ng educational loan o government loan sa gustong kumuha ng mga kursong kanilang gustong kunin at babayaran ang nakuhang loan kapag nakapagtapos na sila at nagkatrabaho.. Sa amerika ay parating concern sila sa mga batang nahuhuling nagbubulakbol at ito ay kanilang hinuhuli at dinadala sa mga magulang..DITCHING sa eskwelahan..at pinananagot ang magulang sa pag SKIP ng aralin sa eskwela..Kaya nasanay na ang batang magsipagpatuloy ng kanilang edukasyon..
      Pero eto po yung sinasabi ko.

      Millions of young adults have entered the workforce with no more than a high school diploma

      Martha Ross and Nicole BatemanWednesday, January 31, 2018

        Education beyond high school is critical to advancing beyond low-wage jobs, as reams of data and experience have shown. Those with only a high school diploma have higher unemployment rates and lower earnings than their counterparts with more education.

        Authors

        Nicole Bateman

        Nicole Bateman

        Research Analyst - Metropolitan Policy Program

        However, while the message about the importance of a college education is clear, the path is not always smooth. More education means more transitions—enrolling in a college or training program that’s affordable and a good fit, completing the program to earn a degree or credential, and then starting a career. Transitions are a time of promise but also vulnerability.

        In this blog post, we look at 18-24 year-olds who are not enrolled in school to get a rough measure of how well young people are navigating these transitions. Almost half (48 percent) of all young people, about 15 million, are not in school. Some of them have graduated from high school or college, but many appear to have decided they were finished, to borrow Kanye West’s phrasing.

        Most disconnected youth—those neither working nor in school—have a high school diploma

        About 15 percent of all young people, or 4.7 million, fall into the category of disconnected or opportunity youth, meaning they aren’t in school and don’t have a job. Half of this not-working/not-in-school group has a high school diploma, and nearly 20 percent has taken some college courses but did not earn a degree. About 25 percent did not finish high school. Young people disconnected from school and work have received a great deal of policy and program interest as of late, and deservedly so: they face a number of roadblocks on the path to adulthood and successful careers.

        One in three young adults go to work rather than school, but few have college degrees

        However, larger numbers of the not-in-school group are working: 33 percent of all young adults, or about 10 million. Although these young people are connected to the labor market, not all connections are equal.

        Career advancement prospects are limited for workers with low levels of education, and the data are not promising on this front: only one in five of the working/not-in-school group has an Associate’s or Bachelor’s degree. The largest share of the working/not-in-school group (nearly half, or 42 percent) has only a high school diploma; another ten percent has less than a high school education. That is, 5.3 million 18-24 year-olds—17 percent of all young adults—are done with school, at least for now, and are participating in the work world armed with no more than a high school diploma.

        Infographic - Out of school flow chart PNG

        Vulnerable young people live in a diverse set of places

        Disconnected young people are concentrated in places with above average unemployment rates. Many such places are contending with deindustrialization, the after effects of the housing bust and depressed consumer spending, general economic shifts favoring technology and digital skills, or some combination of these trends. They include cities with an industrial past, such as Detroit, Philadelphia, and Baltimore; less densely developed areas with an agricultural heritage, such as Hildalgo County in southern Texas and Kern and Stanislaus counties in California’s Central Valley; and Sunbelt areas with fast-growing construction, hospitality, or logistic sectors, such as Phoenix, Las Vegas, and several Florida counties. Many of these places have sizable black and Latino populations, who have lower rates of school enrollment overall.

        On the other hand, almost half of the 20 places with the highest shares of employed young people with a high school diploma or less have tighter labor markets and lower unemployment rates. These include Tulsa County, Oklahoma; Salt Lake County, Utah; and a number of Texas counties in the Dallas, Houston, and San Antonio regions. With economies fueled by the energy sector, wholesale trade, advanced manufacturing, and professional services, these areas draw more people into the workforce, even those with less experience and education who might not otherwise be competitive candidates. The remaining places with high shares of working, high school-educated young people overlap with the areas with high shares of disconnected youth or live in places with similar economic characteristics in that their industry base does not require a highly-educated labor pool or they have an above-average unemployment rate.

        Young people who have gotten a foothold in the labor market may not see as much need to pursue higher education, especially if they are not in an area with high demand for workers with Bachelor’s degrees, such as San Francisco or Washington, D.C. But this dynamic holds back not only their individual progress in the labor market but that of wider regional economies; well-paying jobs requiring higher levels of education are unlikely to locate and grow in places absent people with the skills to fill them.

        20180130_Metro_Table1_disconnected youth

        20180130_Metro_Tables2_disconnected youth

        We need better educational and skill-building options

        Nearly 30 percent of young adults have left school but have no more than a high school diploma. Whether or not these young people are currently working (and most are), they are all but guaranteed a future of low-wage work unless they go back to school or otherwise increase their skills. Notably, more education is not confined to Bachelor’s or Associate degrees. Shorter-term post-secondary certificates increase employment and earnings and can act as stepping stones to degrees.

        If choices after high school are low-wage work or a post-secondary landscape that is confusing, difficult to navigate, and financially out-of-reach, we are setting young people up for failure. There is much we can do to ease the transition from high school to post-secondary education and ultimately into the labor market:

        All of these options are within reach. They are intensely local in nature, although that does not negate the importance of state and federal policy in supporting or catalyzing activity. But ultimately, it is the leaders of school districts, high schools, community colleges, workforce investment boards, and training/youth development organizations who will design and implement new approaches—ideally in close coordination with area employers. In forthcoming research, we will provide new analysis of young adults who are out of work and suggest program and policy solutions in hopes of sparking greater discussion and action.

        magkaiba kase ang context

        malaki at well-developed economiya ng amerika kaya marami pwede makuha trabaho kahit di ganun kataasan ang pinag-aralan

        sa pinas exact opposite, limited ang work/economic opportunities kaya kahit simple tasks lang kelangan mataas pinag-aralan mo.  dami kase competisyon sa trabaho

        simple law of demand and supply


        plus the perennial skills mismatch

        kaya ok na ren yung K-12 ni pnot at yung performance ng tesda under villanueva (kaya na-boto sa senado si tesdaman LOL)

        bini-bridge nila yung skills mismatch kaya kahit HS grad pa lang, pwede na ren makakuha ng trabaho kase may technical skills na ren na tinuturo sa K-12
      • LTLT Member PEx Icon 🎖️🎖️🎖️
        jeganrr said:
        Here's an information related to this thread.
        MONEY

        More and more young people have to choose between paying for college and buying a home

        Published Thu, May 31 2018  11:51 AM EDTUpdated Thu, May 31 2018  11:57 AM EDT
        0:49
        Millennials are making a big mistake by not owning their homes, says one...

        Millennials increasingly face a difficult decision: pay off student loans or buy a home. That’s because doing both is increasingly impossible.

        Thanks to soaring college costs starting in the early 2000s, millennials, more than any other generation, were forced to take out massive student loans to pay for their degrees. A decade or so later, they’re still not in the black. In fact, student loans currently account for roughly $1.4 trillion of U.S. debt. Today, about one in four millennials has some form of student debt, according to Pew, with those holding a bachelor’s degrees carrying about $25,000. And some, of course, have more, even, in some cases, hundreds of thousands of dollars in debt they fear they’ll never be able to repay.

        That level of student loan debt is not only causing financial stress — it’s also keeping millennials from becoming home-owners, which denies them long-term stability and wealth they could eventually pass on to their own children.

        0:57
        Here’s how Tony Robbins suggests millennials approach buying homes

        A college degree is still worth having: Studies consistently show that a BA provides more secure employment, higher lifetime earnings and even a longer life expectancy. But if you have to pay for it yourself, a college degree doesn’t give you enough of a boost to enable you to balance debt and saving for a home at the same time. Over 80 percent of those between the ages of 22 and 35 who have student loans say that debt is the biggest factor holding them back from purchasing a home, according to research by the National Association of Realtors.

        The New York Federal Reserve also found that the roughly 35 percent drop in home owners between the ages of 28 and 30 over the eight-year period starting in 2007 was due, in part, to student loan debt. (The other major factor, of course, was the housing crash and foreclosure crisis that started in 2008.) Going a step further, the Fed found that, if student loan levels had remained at 2001 levels, more than 360,000 of those millennials would have achieved home-ownership.

        “If people had the same levels of student debt as about 20 years ago, they probably would be buying a lot more homes than they are buying now,” Wilbert van der Klaauw, author of the study, tells the New York Times, which concludes, “College loans have made mortgages a pipe dream.”

        1:20
        Don’t buy a home until you’ve considered these factors

        Indeed, the more student loan debt you have, the less likely you’ll be to own a home: The New York Fed found that those with $25,000 in student loans will have a substantially lower chance of owning a home by the time they hit age 33 than their debt-free counterparts.

        Among older millennials, those aged 29-38, less than a third own a home, the NAR found. And younger millennials fare no better, with only 11 percent achieving home-ownership. Those rates are part of a wider trend that shows home-ownership among those in the 20s and 30s is at an almost 30-year low.

        Sadly, that trend is unlikely to change anytime soon. Although the vast majority of millennials say they’d like to purchase a home, most are about a decade away from having the savings to do so, according to 2017 data from Apartment List.

        A lot still depends on where millennials are looking to buy and their savings rates. For example, the research found that those in Miami may be able to afford a home in a little over six years. Residents of San Jose, Calif., meanwhile, will likely need to save for over 20 years.



        eto ang tunay na dahilan ng boomer vs millennial thingy.  it's really economics.  kung social behavior kase, pareho lang naman sila na 'me' generation.  kung tech naman, millenials may be natives, but boomers are the creators naman, no less, of these digital tech 

        sa economic talaga ang diff.  boomers are called such bec aside from population, economic dev't really 'boomed' during their time (post-war), epitome of the american dream i.e. doing better than your parents

        sa mga anak nilang milleninials ang baliktad.  panget ekonomiya ng us sa panahon nila (dot.com, subprime crashes etc) kaya di mashado umangat economically compared to their parents  

        result:  unstable careers/palipat-lipat na work, staying longer in their parents' homes whereas for boomers (and x'ers), age 18 pa lang hiwalay/emancipated na

        and other economic issues like unmanaged student debts

        some blame their boomer parents' generation kase na-overpamper daw mga tao kaya lahat ng wealth and pondo napunta na sa kanila (retirement fund) etc.  may punto naman, though di ako gaano sure

      • pong_padourpong_padour Member PEx Influencer ⭐⭐⭐
        Magiging asset yung house&lot or property mo once binenta mo na.
      • alchemistofophiralchemistofophir Christian Communist PEx Influencer ⭐⭐⭐
        bill gates mark zuckerberg larry ellison

        dropouts

        billionaires

        B)B)B)
        .V.. ..I..

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