Podcast #70: Betting on College, Podcasts

EP#70: Making Wise Career Choices: Betting on College and Your Future.

Cover photo of the book, The Biggest Bet.

Transcript

Today on our program we discuss betting on college and how to make wise career choices based on our options, research and the facts before us. This podcast is based on the issues raised in the book, The Biggest Bluff by Maria Konnikova.

Research before betting on college.

Betting on college is a huge decision that can have a lasting impact on a person’s financial future. It is important to do research and make wise choices before making this bet. By researching the facts and understanding the options, students and their families can make an informed decision about college.

Maria Konnikova, author of The Biggest Bluff, has done extensive research on how people bet. In her book, she ran betting experiments with students using real money. She found that people tend to overestimate the degree of control they have over events. Even smart people who should know better make decisions based on limited information. Unfortunately, many people make decisions based on their emotions rather than facts and research.

Konnikova’s main message is to pay attention and look at things as they are. Students must do their homework and research the college they are considering. They must look at the hard numbers and understand their own skills and abilities and their chances of success. It is important to look at the labor market realities and make an informed decision.

Online Career Planning Class Offered at LCCC:

  • SDEV 103 Career Exploration and Life Planning (W101)
  • Instructor: Janet Maltbie
  • Online 8 week course begins January 17, 2023
  • Offered through Lorain County Community College
  • Sign up today

Janet Maltbie, a career counselor and host of the No Loan Zone podcast, teaches an online career exploration class at Lorain County Community College. This class gives students a chance to do research and look into their options before they make a decision. It is important to understand the cost of college, the chances of graduating, and the return on investment. The numbers can be daunting. According to Maltbie, only 17% of students graduated with a degree from Lorain County Community College in 2016.

Betting on college is a big decision. It is important to research the facts and make an informed decision. By understanding the cost, the chances of success, and the return on investment, students and their families can make a wise decision about college.

 Making smart decisions in high school, college, and beyond is an important part of life. The No Loan Zone podcast on radiowannabe.com provides valuable information and advice on how to make informed decisions about college and beyond. Reach out to Janet Maltbie today.

Contact Information:

Janet Maltbie can be reached at noloanzone.com/contact.

Podcast #69: Josh Went to a Private School, Podcasts

EP#69: Josh Went to a Private College. Did He Make the Right Choice? Will You?

Janet Maltbie and Josh Clemence discuss his $100,000 college experience.

Transcript

Today on our program, No Loan Zone host, Janet Maltbie is on location with Josh Clemence at Boxcast, the best and easiest way to live stream events. 

Josh is a professional videographer and video content specialist at Boxcast. He is also co-owner of clevelandvideocompany.com. He holds a Bachelor’s degree in Marketing from the University of Mount Union. 

In this podcast Josh recounts his time at Mount Union. After scholarships and grants, Josh took out $100,000 in student loans and 8 years later is still paying $1,000 per month for his college. 

Josh’s key takeaways:

  • “Paying off student loans is like paying alimony to a spouse you never married.”
  • “Have a good idea of what you want to do first, or take some time to explore that before you start spending the money on college.”
  • “If you are going to go to a four year college be super involved, because if you’re not, then you’re throwing away your money.”
  • “I started a business. I met my business partner there and made great memories. But at the same time, somebody else could spend $100,000 and just go through classes and just do what they’re told and get absolutely nothing out of it.”
  • “So if you’re gonna do it, it’s still up to you to make it a great experience.”
  • “The onus is still on you to kind of take initiative and find what you love and do all the extra steps. $100,000 isn’t going to do that for you.”

Contact Information:

Josh Clemence and Wade Clark can be reached at: https://www.clevelandvideocompany.com/about

Janet Maltbie can be reached at noloanzone.com/contact.

Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College. 

Podcast #68: Exploring Careers Online, Podcasts

EP#68: Exploring Careers Online: Helpful Websites for Undecided Students.

Janet Maltbie and Abby Kucbel discuss helpful career websites via WebEx.

Podcast Transcript

Today on our program we discuss helpful websites students can use as they explore career options with Abby Kucbel, a Career Development Specialist from Lorain County Community College. She appeared as my guest speaker via WebEx for my totally online class, SDEV 103 Career Exploration and Life Planning. 

For nearly a decade, Abby has helped students and adults find jobs and careers through Ohio Means Jobs and currently through Career Services at LCCC at Lorain County Community College. 

Helpful Career Links:  

Onet: https://www.onetonline.org/

Career Coach: https://www.lorainccc.edu/career-services/choose-a-career/

MyPlan: https://www.lorainccc.edu/career-services/myplan/

A Day in the Life of a Graphic Designer: https://www.youtube.com/watch?v=N79ukBM4dWY

Choosing a college major and the right career fit for you can be stressful. Many start a degree but don’t finish because they haven’t found the right career fit for them. Don’t go it alone. 

Contact Information:

Abby Kucbel can be reached at Lorain County Community College: https://www.lorainccc.edu/career-services/

Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College. 

Podcast #67: Top College Loan Mistakes, Podcasts

EP#67: Top College Loan Mistakes Students and Parents Make.

Photo by Daniel Thomas on Unsplash

Transcript

Today on our program we discuss top college loan mistakes students and parents make. We’ll be basing our discussion on a recent Wall Street Journal article entitled: 

The Four Mistakes Students and Parents Make When Getting Student Loans.

 We’ll be discussing the first two mistakes; not adequately exploring debt alternatives and taking on too much debt. You’ll meet Zarai Aquino who found a way to avoid debt  altogether and her sister, Betsey Ramos who didn’t. 

We’ll end our discussion with our financial expert, Joe Flinner of Landing Point Financial Group who discusses general loan payment guidelines experts recommend students can typically take on after they graduate from college. 

Interested in finding ways for students to complete a degree, debt free. Begin that no loan zone journey today. The No Loan Zone host, Janet Maltbie meets with students individually and teaches a totally online class called Career Exploration and Life Planning through Lorain County Community College, SDEV 103. 

For more information contact Janet Maltbie at noloanzone.com/contact.

Podcasts

EP#66: The Right Answer to the $10,000 Student Loan Forgiveness Question.

Transcript

Today on our program, we talk with several college graduates: Rebecca Urry, Tommy Nickel, Kyle Nickel, as well as a current student, Reanna Urry, about the $10,000 college loan forgiveness program. 

Is it fair? What kind of impact will this have on them and the people who will eventually pay for the program. What is the right answer to this dilemma, many fear will cost the American taxpayer $1 Trillion. This podcast explores the answer to those questions and more.

Interested in finding ways for students to complete a degree, debt free? Begin a no loan zone journey today. The No Loan Zone host, Janet Maltbie meets with students individually and teaches a totally online class called Career Exploration and Life Planning through Lorain County Community College, SDEV 103. 

For more information contact Janet Maltbie at noloanzone.com/contact.