Author: Janet Maltbie

Janet Maltbie is a career counselor and adjunct professor at Lorain County Community College. Since 1985 she has helped students and people in transition decide on a college major and a career that is right for them. She is also the host of RadioWannabe on LCCCradio.com.
Podcast #62: Manning Interview, Podcasts

EP#62: State Senator Manning Interview and the Ohio Aug. 2 Primary Election.

Janet Maltbie
State Senator Nathan Manning
State Senator Manning discusses the Aug.2, 2022 Ohio Primary election

Transcript

Ohio’s primary elections take place on August 2, 2022. Know the issues and representatives. Today on the No Loan Zone Podcast we speak with State Senator Nathan Manning regarding the issues before voters in the 2022 elections. 

In this podcast we focus on college grant and tax break initiatives Manning has supported in the past as well as workforce opportunities for students and college grads. 

Senator Manning is serving his first term in the Ohio Senate representing the 13th Senate District, which includes both Huron and Lorain County in Ohio. He hopes to pursue a second term as State Senator. 

If you are currently enrolled in college or are thinking about enrolling in the fall, we encourage you to take some time to seek out ways to complete a degree, debt free. One way to do that is by checking out the Ohio College Opportunity Grant supported by Senator Manning. 

And if you are unsure about your career direction  you can reach Janet Maltbie at noloanzone.com/contact. Janet meets with students and adults in transition so they can reach their career goals.  She also teach a totally online career exploration class through Lorain County Community College, called  Career Exploration and Life Planning, SDEV 103. 

Podcast #61: No Loan Zone Wins Award, Podcasts

EP#61 No Loan Zone Podcast Wins Top Journalism Award.

Janet Maltbie
Press Club 2022 Award
2022 Press Club of Cleveland Award
2022 Award Winning Podcast: EP#27 The Blood and Needles Show

The No Loan Zone podcast was awarded at the 2022 All Ohio Excellence in Journalism Awards ceremony hosted by Press Club of Clevland. The entry, “The Blood and Needles Show” won first place for:

BEST RADIO/PODCAST NEWS
STORY TRADE/2 YEAR SCHOOL

The awards were held at the House of Blues, Cleveland on June 10, 2022. For the complete list of winners, click here. Listen to all No Loan Zone podcasts on Apple Podcasts, Stitcher or Spotify.

Podcast #60: Tommy and Kyle take out loans, Podcasts

EP#60: Tommy and Kyle Pay Off Their Student Loans. Tommy’s Not Done Yet.

Janet Maltbie
Tommy Nickel, Janet Maltbie and Kyle Nickel at BoxCast studios.

Transcript

Going to college in the fall? Is it worth your time and investment? Tommy and Kyle have Communications degrees and both took out loans but Kyle went to a public school. Tommy didn’t. This podcast centers on the career journey both brothers began over 10 years ago. Was it worth their time? Are they glad they went to college? Did they need it for the jobs they both have at BoxCast, a Cleveland based technology firm that offers streaming solutions to organization and individuals

Going to college is expensive but is it right for you? There are many ways to get started in a career that doesn’t necessarily involve going into debt. If you’re unsure about your career direction and want more information about how to find a career that fits your personality, interests and skills. Reach out to Janet Maltbie at noloanzone.com/contact.

Many thanks to Wade Clark of Boxcast who provided production assistance and to Danosongs who provided music for this podcast.

Podcast #59: Careers in Technology, Podcasts

EP#59: Congratulations Graduate! Now What? Consider a Career in Technology.

Janet Maltbie
Gordon Daily discusses careers in technology with Janet Maltbie

Transcript

Today, the NoLoanZone Podcast goes on location at Boxcast with Gordon Daily, CEO and Co-Founder of Boxcast.  Boxcast is a Cleveland based computer technology company that offers online streaming solutions to organizations and individuals. Gordon graduated from Case Western reserve with a degree in Computer Engineering and employs about 100 people, many of whom, have completed a degree. 

Highlights:

3:53 What is Gordon looking for in an employee? Skills and the intangibles matter. 

4:52 Technology is a great place to invest in but half of the job isn’t actually doing the technology. The bulk of the job is communication, organization, research, working with people. 

6:08 If you are going to an elite school like Case Western Reserve, you have to have some aspirations and know exactly what you are doing. Because if you come out of that school without a real clear idea what you want to do, it’s just a hard game to catch up with in terms of debt.

6:53 The most valuable thing they (Case Western Reserve) gave to me (Gordon) was the relationships with the people that I knew my co founders, and my best technology coders are people that I met through the university.

7:31 At Boxcast, we have lots of employees that have degrees, we have lots of employees that don’t have degrees. We have people in technology positions that don’t have a four year degree, there are all kinds of interesting learning experiences that you can have that don’t require having to have a degree. 

8:10 Intangible skills do matter. It’s not that skills don’t matter. And you have to learn the coursework, whether that’s in the classroom, online, or through a, you know, some sort of alternative program. But really, what matters most to companies are your work ethic, and how well you work with other people. And will you follow through on the deadlines? When you say you’re going to do something? Can you do something? And can you stay organized?

9:35 Lots of living wage opportunities are available in technology. But is it right for you? There are many ways to get started in the field that don’t necessarily involve going into debt. If you’re unsure about your career direction and want more information about how to find a career that fits your personality, interests and skills. Reach out to me Janet Maltbie at noloanzone.com/contact.

Podcast #58: The ROI Factor, Podcasts

EP#58: The ROI Factor: Getting a Smart Return on Your College Investment.

Janet Maltbie
Joe Flinner of Landing Point Financial Group discusses ROI with Janet Maltbie

Transcript

Today on our program my guest is Joe Flinner. This week we look at ROI (Return on Investment); How to get a smart return on your college investment. Joe is the lead wealth advisor for Landing Point Financial Group in Avon Ohio. He earned a finance degree from Bowling Green University and is a Certified Financial Planner and a Certified Kingdom Advisor. 

Some quick tips on getting a smart return on a college investment: 

  1. College is expensive. Start early planning for college. Have small incremental conversations with your student regarding about how much money you can reasonably invest for college without burdening them with exorbitant debt. 
  2. A good rule of thumb is for every $10,000 in student loan debt, there will be about $110 a month in payment. So for a $40,000 loan, there will be about $440 a month in principle and interest payment on a standard 10 year loan.
  3. Look up what a starting salary is for the major. If the starting salary is $36,000 a year, don’t put yourself in a position where you owe $90,000 in college debt when you graduate.
  4. Have a conversation with a third party to determine what you want your contribution to the college plan to be. Do this before you have that conversation with your children. Its a really good opportunity to understand your financial balance sheet  and to understand what you can reasonably contribute to their education. 

Joe Flinner can be reached through http://www.landingpointfinancialgroup.com or by calling 440-361-7227.  And, if you’re unsure about your career direction and want help on completing a degree debt free you can reach me Janet Maltbie at http://www.noloanzone.com/contact. Janet meets with students and adults in transition so they can reach their career goals.