Podcasts about clep

Ben wanted to go to college, but did not know at first how he would pay for it. Cue scholarships! $90,000 in scholarships later, he paid for his Harvard education, and now wants to help tell others how they can do the same! In part 2, we discuss… Testing out of classes (CLEP, DSST, AP)  Professional Judgement - secret password/keyword where they take into account your special circumstances and might give you extra financial aid! Saving money on textbooks Student travel discounts and health insurance $90,000 in scholarships How scholarships build confidence, character, and resilience How scholarships can help you find your purpose …and much more! Also, do you want my personal help with finding scholarships that are specific to you or assistance with the actual applications? Schedule a FREE Scholarship Strategy Session with me on my calendar here –> calendly.com/moneyandmentalpeace      About Ben Kaplan: Ben Kaplan is among the nation's leading experts on college admissions, scholarships and financial aid, student personal finance, and higher education policy. He is the author of 12 bestselling books and courses, including Scholars & Dollars, which have sold 2 million copies worldwide. Kaplan became a college expert in part from personal experience: In high school, he won 24 college scholarships—enough to cover the cost of his Harvard degree. He is the founder of the popular Scholaroo education portal, and has advised leading institutions such as UCLA, Texas A&M, NYC Public Schools, New Mexico's 529 College Savings Plan, and the National PTA. Kaplan has been featured on more than 5,000 TV and radio programs—including appearances on Oprah, NBC, CBS, ABC, CNN, National Public Radio, and the BBC. He is a recipient of the Morris Kronfeld Prize in Economics and was selected as the “Top Student Leader in America” by the National Association of Secondary School Principals. Related Episodes: 362 - I Found Her $24,000 in Scholarships For College, Who's Next!? 285 - College is Expensive! 5 Weird Ways to Stretch Your Budget 317 - "How Can My High GPA Daughter and Middle Income Family Pay For College WITHOUT STUDENT LOANS? Your Scholarship Questions Answered   YouTube → Kara's Quest Facebook → Christian College Girl Community Instagram → @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com ***************************************************** Get scholarships and pay for college without student loans! Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace. Topics related to this episode: Ben Kaplan, admissions, college admissions, Benjamin Kaplan, scholars and dollars, scholars & dollars, How to go to college almost for free, dollars for scholars, scholarship scouts, pay for college, student loan forgiveness, federal student loans, community college, Harvard, Harvard grad, Harvard economist, college scholarships, college majors, online college courses, college student loans, college degree online, college readiness, Bachelor's degree, Ivy League schools, master's degree, trade school, find your purpose, find purpose, build character, find purpose life, build resilience, build confidence, build emotional resilience, boost of confidence, build self confidence, self confident, confident, life purpose, life purpose driven, purpose driven life, the purpose life driven

Dale Leatherwood shares little known strategies to help traditional and non-traditional students obtain a college degree faster and cheaper.  You can graduate from college with zero debt, or if you get a loan, it should be like a car payment, not a house payment.  Dale is a leader in higher education.  He is the chief marketing officer at Columbia Southern University and the co-founder of an education concierge firm.  You can reach Dale through LinkedIn https://www.linkedin.com/in/daleleatherwood/Some of the highlights Dale shares:  More than 42 million Americans have some college credit, but haven't earned a college degreeNow is the best time to finish college and get a diploma - there are so many options! How to graduate from college with zero debtUnderstanding how to use all the educational resources available such as:  transfer credit, CLEP tests, prior learning assessments, 3rd party online credit providers, etc.Finding flexible and attainable optionsIf you require a school loan, it should be like a car payment, not a house paymentAdvice for non-traditional studentsHow to get work experience and training evaluated for possible college creditHow to finish what you startedHow to save time and moneyHow to protect yourself from disappointment by getting it in writingEducation can be the "tie breaker" that helps you accelerate your careerLearning to move forward in small, attainable stepsHow to encapsulate former classes and experience into a certificate or Associate DegreeCreating a game plan that works for youHow to adapt education to meet your lifeLearn about tuition assistance or tuition reimbursementWhat is your objective?  Understanding the difference between Synchronous vs. Asynchronous ClassesAnd moreDisclaimers:Statement: “CSU ranks in the top 1% of schools for affordability.”Disclaimer: Based on tuition and fees compared to 4-year U.S. Colleges with largest fully-distance enrollment (IPEDS 2022 Fall Enrollment Survey) Statement: Any mention of transfer credits and evaluating experience for creditDisclaimer: Pending Prior Learning Assessment (PLA) process. Amount of transfer credits is dependent upon transcript evaluation. Statement: “…nearly 2/3 of our recent graduates finish their degrees with zero (student loan) debt.”Disclaimer: Data calculated from internal Columbia Southern University financial data, based on 65.1% with zero student loan debt from the graduating classes of 2021–2023 Statement: Any statement involving career advancement or student outcomes.Disclaimer: Multiple factors, including prior experience, geography and degree field, affect career outcomes. CSU does not guarantee a job, promotion, salary increase, eligibility for a position, or other career growth.

Ok we gotta talk. I've got some truth bombs to share because, let's be honest, student loans are getting out of hand! At times, it's hard to pay for school without them… but it's also hard to have them hanging over your head for 10, 20, or 30+ years. It's time to choose your hard! So, I have some details that you may not really want to know… but should hear nonetheless! Let's get it!

Gini Beran from CLEP shares insights on how the College Level Examination Program helps students earn college credit through exams, making college more accessible and affordable.  Highlights-

Who actually gets the scholarship money? Is it awarded straight to you or sent to your college/university on your behalf? Does it really make any difference either way? What if you're in high school and won't be going to college for another year or two? What if you aren't enrolled in a college yet? Then where do the scholarship funds go? Answers in today's episode! Also, let me find some scholarships for you! Schedule a FREE Scholarship Strategy Session with me to discuss how I can find you between $10,000-30,000 in scholarship opportunities! Plan a time on my calendar here –> https://calendly.com/moneyandmentalpeace    LET'S GOOOOOOOOOOOOOO!!!   Related Episodes:   172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (: 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here...    Facebook --＞ Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics related to this episode: save money, financial peace, debt-free, debt-free community, cost effective, pay for college, university, collegiate, academic, academia, Dave Ramsey Baby Steps, frugal, frugality, church coffee, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, finding scholarships, scholarship database, grants, bursaries, google it, duck duck go, ask family and friends, local businesses, church, denominations, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, CLEP, test out of classes, test out, returning student, non-traditional student, adult college student

Episode 180: Pediatric Hip PainFuture Dr. Pena-Brockett explains the differential diagnosis in a 14-year-old patient who has a new onset of left hip pain. Dr. Arreaza adds comments and explains toxic synovitis.  Written by Natalie Pena-Brockett, MSIV, California Health Sciences University. Comments by Hector Arreaza, MD.You are listening to Rio Bravo qWeek Podcast, your weekly dose of knowledge brought to you by the Rio Bravo Family Medicine Residency Program from Bakersfield, California, a UCLA-affiliated program sponsored by Clinica Sierra Vista, Let Us Be Your Healthcare Home. This podcast was created for educational purposes only. Visit your primary care provider for additional medical advice.Having a limping kid can be terrifying. Many questions may cross your mind: Is this a permanent damage? What is going on here? Where is the pain located? Do I need to send this child to the hospital? Today, hopefully, we can help you ease some of your fears. Case: This is a 14-year-old boy with no past medical history, no trauma, presents to the family medicine clinic with a complaint of left-sided hip pain. Mom notes that her son has been limping for the last week and complaining of pain in his left hip and knee when he walks. He has never experienced this pain before this week. He does not take any medications. Physical exam: He is afebrile and all of his vitals are within normal limits. On exam, you note that his BMI is at the 90th percentile (overweight), and has an antalgic gait where he is favoring the right side and has tenderness on his left groin. His left foot is turned outward while standing up straight. His left knee has negative findings on specialized tests, but he has restricted movement of the left hip. Discussion: This is a common topic that you will see on board exams or limping into your office. Although pediatric hip pain may seem like a benign musculoskeletal concern, taking the time to take a complete history and perform a thorough physical exam is critical to assess the severity of the patient's concern.Physical Exam for Pediatric Hip Pain.Observation: Every physical exam begins the moment you first see the patient. This allows you to gauge the patient's comfort level, the natural stature, length, and positioning of the patient's extremities, skin changes, gait, and ability to bear weight. Palpation: In medicine, our hands are one of our greatest tools for evaluating patients, especially those with musculoskeletal concerns. This is the time to palpate the area for any tenderness or gross deformities of the pelvis, hip, knee, or leg. Special Tests: In the world of MSK, we have all sorts of tests to evaluate the range of movement of our joints and tendons. When specifically evaluating the hip, the most common are the FABER(flexion, abduction, external rotation),test to assess the sacroiliac joint, Ober's Test to assess the iliotibial band, and Straight Leg Raise to assess for lumbar radiculopathy.Legg-Calve Perthes Disease-Legg-Calve Perthes disease is an idiopathic avascular necrosis of the femoral head. -It is most commonly observed in patients between the ages of 2-12 years and in a higher ratio of males to females 1. -It often manifests as an atraumatic limp with limited movement in abduction and internal rotation. -X-ray imaging may demonstrate a widening of the joint space and sclerosis of the femur, and MRI will confirm osteonecrosis of the femoral head. -Early diagnosis is key to minimizing the risk of developing osteoarthritis of the hip. -The goal of treatment is to maintain the shape of the femoral head and the range of motion of the hip. -The first-line treatment includes managing pain with NSAIDs, limiting weight-bearing activity, and physical therapy for range of motion.-If the disease progresses, bracing and casting can be used to retain the femoral head within the acetabulum to keep the shape and integrity of the femoral head. In more serious cases, a surgical osteotomy may be done to cut and realign the bones. Developmental Dysplasia of the Hip (DDH)-Developmental Dysplasia of the Hip (DDH) is a pediatric condition that results in unilateral or bilateral instability of the hip due to the abnormal development of the acetabulum or femur. -This is most commonly seen in newborns, especially those which develop in a breech position. -These patients often present with a shortened leg or asymmetric gluteal creases and a Trendelenburg gait when walking. -The Trendelenburg gait is an abnormal gait caused by weak hip abductor muscles. The person's trunk shifts over the affected hip during the stance phase of walking and away from it during the swing phase, making it look like the person is missing steps or limping. -On physical exam, hip joint laxity can be evaluated with the Ortolani and Barlow maneuvers to apply pressure to the proximal femur to assess dislocatability of the hip joints. These maneuvers would both be considered positive if a “clunk” is felt over the hip as this means that the hip is dislocated with pressure. Due to the patient's age usually being under 6 months old, ultrasound is the most common imaging modality to confirm the diagnosis, otherwise, an X-ray can be used. -The treatment in patients under 18 months old, a Pavlik Harness is often used to treat patients to maintain the placement of the hip within the acetabulum. -Patients between the ages of 18 months and 9 years old, are most often treated with open or closed reduction of the hip. -There is generally less success in reduction treatment of children older than 9 years old as they have likely developed femoral head deformities and are at greater risk of osteonecrosis. -Children with DDH should continue to be monitored with regular imaging to evaluate for complications. These patients should also be made aware that they are also at increased risk of requiring a hip replacement, especially if their treatment included a reduction. 2Slipped Capital Femoral Epiphysis (SCFE)-Slipped Capital Femoral Epiphysis (SCFE) is one of the most common pediatric hip pathologies in which the capital femoral epiphysis is anterolaterally displaced from the femoral neck. -Although slightly more common in males than females between the ages of 10 to 16, the greatest risk factor for an SCFE is childhood obesity 3. -Common symptoms include an insidious onset of unilateral hip pain and a change in gait due to the displacement of the hip from the acetabulum. In some instances of chronic SCFE, some patients will experience ipsilateral knee pain due to compensation. -A SCFE can be evaluated with an AP radiograph which will demonstrate a widened physis in the early stages or the classic “slipped ice cream cone sign” which is the posterior displacement of the femoral epiphysis. -Management of a SCFE includes limiting weight-bearing activities as well as screw fixation by an orthopedic surgeon to stabilize the hip.Patients should consider pinning the contralateral hip due to increased risk of developing a future SCFE. Early diagnosis is critical as untreated SCFE can lead to osteonecrosis.Osgood-Schlatter-Osgood-Schlatter is a repetitive-use pediatric condition as a result of traction to the growth plate of the tibial tubercle. -This pathology is most common in male children between the ages of 9 to 14 years old 4. -Active athletes or children with rapid growth spurts are at greater risk of developing Osgood-Schlatter than non-active children.-These children often present with an achy knee pain that can lead to a unilateral limping gait.  On physical exam, these patients often have a bony prominence over the tubercle that is tender to palpation with greater tenderness over the patellar tendon. -The knee will have full range of motion and stability, but will likely have a warmth and erythema over the knee.  Imaging of the knees can have nonspecific findings and diagnosis is made clinically. -For management, it is recommended that children continue their regular activities and rest with NSAIDs for pain management as needed 5. Physical therapy can be prescribed to prevent deconditioning as this can result in recurrence or additional injuries.Arreaza: It seems like the pain is more localized to the knee, but it can be referred to the hip. If you have tenderness on the tibial tubercle, you got the diagnosis. Juvenile Idiopathic Arthritis (JIA)-Juvenile Idiopathic Arthritis (JIA) is a systemic rheumatologic condition in children that often presents as a polyarticular pain. The onset of disease is often bimodal with peaks between 2 to 5 years old and 10 to 14 years old. 6-Patients will often complain of minor symmetric joint pain and stiffness until an infection causes an inflammatory reaction that exacerbates the joint pain or can increase joint involvement. Small joints are the most likely to be involved, but hips and knees can also be affected. -Lab evaluation will demonstrate inflammation with an elevated ESR, low hemoglobin, and a positive ANA. -Disease management starts with NSAIDS for pain control and can escalate to immunosuppressive measures for moderate disease7.Toxic Synovitis-Toxic synovitis, also known as transient synovitis, is the leading cause of acute hip pain and limping in children aged 2–12, more commonly affecting boys. -This self-limited inflammatory condition, often confused by its name as "toxic," has no relation to a toxic state. It typically arises after an upper respiratory or other viral infection (e.g., rubella or coxsackie virus).-Children with toxic synovitis may show mild to moderate hip pain, limp, and keep their hip in abduction and external rotation. Movement is usually possible within a limited range, and weight-bearing is often maintained.-Evaluation: A thorough history and physical exam are key, as laboratory tests like CBC, ESR, and CRP are often normal, mainly used to rule out other conditions like septic arthritis. X-rays typically show no abnormalities, although small changes may appear. Ultrasound can help detect joint effusion and rule out septic arthritis if no effusion is present.Arreaza: DDX: DDH, SCFE, Osgood Schlatter, and toxic synovitis.Osteopathic Manipulative Treatment in Pediatric Hip PathologiesSacroiliac Articulatory Technique- this is a technique in which you move the joint into an out of its barrier to reduce restriction and improve movementCounterstrain of Tender points (psoas, piriformis, hip adductors)- in this technique we shorten the muscle to decrease tension.  This allows the muscle to increase blood lymphatic flow to reduce nociceptive and proprioceptive activity of the muscleBalanced Ligamentous Tension of the Innominate- with this technique, we manipulate the joint in a way that moves the ligaments into neutral position so that there is balance in all planes of motion.  The goal is to again release tension within the muscles and the jointClinical Decision Making Now that we have covered the most common differential diagnoses for pediatric hip pain, let's revisit our patient presentation and identify the key characteristics to determine which diagnosis he most likely has.The patient is 14 years old.  This makes DDH and Legg-Calve Perthe less likely, and SCFE more likely.He has been complaining of symptoms for 1 week, which indicates that is not likely a chronic condition. This makes DDH and Osgood-Schlatter less likely.The patient has never experienced joint pain like this before.  This makes JIA, DDH, and Osgood-Schlatter less likely.The patient is overweight. This makes SCFE more likely.The unilateral hip tenderness and no knee pain.      This makes Osgood-Schlatter and JIA less likely.The patient has antalgic gait and limited internal rotation of the foot. This makes Legg-Calve Perthes and SCFE more likely. Now when we take the epidemiological factors, the history of the present illness, and the physical exam findings into account, this patient's presentation best aligns with a SCFE. We would order a bilateral AP and Frog-leg views of the hips. If either imaging shows a widened physis or the classic “ice cream cone sign”, this is when we would start the referral process for an orthopedic surgery consultation for internal fixation. As family medicine physicians, we would give instructions for strict non-weight bearing activities and analgesics or anti-inflammatories for pain management.Keep in mind some of the DDX: Calve Legg-Perthes disease, Developmental Dysplasia of the Hip (DDH), Juvenile Idiopathic Arthritis (JIA), Osgood Schlatter, toxic synovitis, and Slipped Capital Femoral Epiphysis (SCFE). Hopefully, the next time you have a pediatric patient present with a complaint of hip pain, you'll feel more comfortable evaluating and working up the case._________________________This week we thank Hector Arreaza and Natalie Pena-Brockett. Audio editing by Adrianne Silva.Even without trying, every night you go to bed a little wiser. Thanks for listening to Rio Bravo qWeek Podcast. We want to hear from you, send us an email at RioBravoqWeek@clinicasierravista.org, or visit our website riobravofmrp.org/qweek. See you next week! _____________________References:Osteonecrosis of the femoral head / Legg-Calvé-Perthes disease | Time of Care. Accessed October 27, 2024. https://www.timeofcare.com/osteonecrosis-of-the-femoral-head-legg-calve-perthes-disease/Scott EJ, Dolan LA, Weinstein SL. Closed Vs. Open Reduction/Salter Innominate Osteotomy for Developmental Hip Dislocation After Age 18 Months: Comparative Survival at 45-Year Follow-up. J Bone Joint Surg Am. 2020;102(15):1351-1357. doi:10.2106/JBJS.19.01278. https://europepmc.org/article/med/32769602Perry DC, Metcalfe D, Costa ML, Van Staa T. A nationwide cohort study of slipped capital femoral epiphysis. Arch Dis Child. 2017;102(12):1132-1136. doi:10.1136/archdischild-2016-312328. https://pubmed.ncbi.nlm.nih.gov/28663349/Haines M, Pirlo L, Bowles K-A, Williams CM. Describing Frequencies of Lower-Limb Apophyseal Injuries in Children and Adolescents: A Systematic Review. Clin J Sport Med. 2022;32(4):433-439. doi:10.1097/JSM.0000000000000925. https://pubmed.ncbi.nlm.nih.gov/34009802/Wall EJ. Osgood-Schlatter disease: practical treatment for a self-limiting condition. Phys Sportsmed. 1998;26(3):29-34. doi:10.3810/psm.1998.03.802. https://pubmed.ncbi.nlm.nih.gov/20086789/Oberle EJ, Harris JG, Verbsky JW. Polyarticular juvenile idiopathic arthritis - epidemiology and management approaches. Clin Epidemiol. 2014;6:379-393. doi:10.2147/CLEP.S53168. https://pubmed.ncbi.nlm.nih.gov/25368531/Beukelman T, Patkar NM, Saag KG, et al. 2011 American College of Rheumatology recommendations for the treatment of juvenile idiopathic arthritis: initiation and safety monitoring of therapeutic agents for the treatment of arthritis and systemic features. Arthritis Care Res (Hoboken). 2011;63(4):465-482. doi:10.1002/acr.20460. https://pubmed.ncbi.nlm.nih.gov/21452260/Theme song, Works All The Time by Dominik Schwarzer, YouTube ID: CUBDNERZU8HXUHBS, purchased from https://www.premiumbeat.com/.

So your kid wants to go to college, but money is tight! I mean, you're not poor, so you don't get any federal funding, but you're not rich either! You're just stuck between a rock and a hard place. You might wonder if her high GPA will help with scholarships?  DON'T WORRY! I myself graduated from college debt-free without rich parents nor ANY student loans, and I can walk you through how your exact situation is actually ideal with lots of scholarship options available. Listen in, and… Schedule a FREE Scholarship Strategy Session with me to discuss how I can find your child between $10,000-30,000 in scholarship opportunities! Access my calendar here –> https://calendly.com/moneyandmentalpeace  Related Episodes:  RAISING HER CONFIDENTLY | 109 Talk to Your Teen Daughter About Finances & College with Kara Walker 80 - 5 Steps to Apply for FAFSA Money 2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret   Also find me at… ~ Facebook: Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook at tinyurl.com/karacommunity  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.  Topics included in this podcast: scholarships for my child, scholarships for my kids, scholarships for my children, scholarships senior high school, high school senior scholarships, high school junior scholarships, college scholarships, scholarships for graduate students, undergraduate, free money, student loan forgiveness, federal loan forgiveness, student loans debt relief, debt relief, student loans US, student loans pause, student loans news, student loans cancellation, student loans payment, student loans repayment, student loans gov, student loans supreme court, student loans debt, student loans interest rates, student loans sallie mae, financial burden, change your legacy, family legacy, bankruptcy, CLEP, CLEP test, DSST, DSST exam, test out of classes, AP class

Enjoy this conversation with a college girl, interested in health, fitness, business, and entrepreneurship! I found her 18 scholarships worth potentially $24,000 for college (if she applies for and receives them)! HEAD TO… calendly.com/moneyandmentalpeace and to plan a FREE Scholarship Strategy Session with me!  LET'S GOOOOOOOOOOOOOO!!!   Related Episodes 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (: 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here...    Facebook --＞ Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics mentioned in this episode: save money, financial peace, debt-free, debt-free community, cost effective, pay for college, university, collegiate, academic, academia, Dave Ramsey Baby Steps, frugal, frugality, church coffee, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, finding scholarships, scholarship database, grants, bursaries, google it, duck duck go, ask family and friends, local businesses, church, denominations, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, CLEP, test out of classes, test out, returning student, non-traditional student, adult college student

So your kid wants to go to college, but money is tight! I mean, you're not poor, so you don't get any federal funding, but you're not rich either! You're just stuck between a rock and a hard place. You think, “Maybe student loans are my best option?” WAIT! Just hear me out in this episode, where 2 of my business friends interview me on how I graduated from college debt-free. I used scholarships, grants, and plain old, cold, hard cash to pay for school, and I'll show you how you guys can too!!! Let's gooooooooo!   Find me on Facebook ->  Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook at tinyurl.com/karacommunity  OR Schedule a FREE Scholarship Strategy Session with me to discuss how I can find your child between $10,000-30,000 in scholarship opportunities! Access my calendar here –> https://calendly.com/moneyandmentalpeace    Listen to Shana & Vanessa's Podcast --> https://podcasts.apple.com/us/podcast/financial-coaching-for-women-how-to-budget-manage-money/id1562683557    Related episodes: RAISING HER CONFIDENTLY | 109 Talk to Your Teen Daughter About Finances & College with Kara Walker 80 - 5 Steps to Apply for FAFSA Money 2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret   Also find me at… Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.  Topics included in this podcast: scholarships for my child, scholarships for my kids, scholarships for my children, scholarships senior high school, high school senior scholarships, high school junior scholarships, college scholarships, scholarships for graduate students, undergraduate, free money, student loan forgiveness, federal loan forgiveness, student loans debt relief, debt relief, student loans US, student loans pause, student loans news, student loans cancellation, student loans payment, student loans repayment, student loans gov, student loans supreme court, student loans debt, student loans interest rates, student loans sallie mae, financial burden, change your legacy, family legacy, bankruptcy, CLEP, CLEP test, DSST, DSST exam, test out of classes, AP class

You did what you thought was best at the time (or were told there was no other way), but now you see the BURDEN that student loans have created, like a dark cloud hanging over your life! What if I told you it could be different for your kids? Hey, I'm Kara, and I graduated from college debt-free without much financial assistance from my parents. I can help your students find scholarships and pay for college without student loans, too! Don't believe me? Listen in to find out how!   Schedule a FREE Scholarship Strategy Session with me to discuss how we can find your child between $10,000-30,000 in scholarship opportunities! Access my calendar here –> https://calendly.com/moneyandmentalpeace  Related Episodes:  About testing out of classes: 2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret 256 - Dual Enrollment 101: Save $7000+ for College! 146 - This New Year's Resolution Has Me on Track to Become a Millionaire! Only Takes 20 Mins a Week   Scholarship Series Per Year in High School/College: 263 - Earn $30,000 for College! Best Scholarships for High School Students to Reach Their College Fund Goals 264 - These 2 College Freshman Scholarships = $26,000! Best Scholarships for Freshmen, Apply Here! 265 - Want $4500 for School? Best College Sophomore Scholarships to Reach Your Debt-Free College Goals 266 - These 3 Scholarships for College Juniors = $6500! 267 - Need $26,000 for College? Best Scholarships for College Seniors - Apply Today! 268 - Earn $6500 for Grad School! Best Scholarships for Graduate Students   Also find me at… ~ Facebook: Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook at tinyurl.com/karacommunity  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.  Topics included in this podcast: scholarships for my child, scholarships for my kids, scholarships for my children, scholarships senior high school, high school senior scholarships, high school junior scholarships, college scholarships, scholarships for graduate students, undergraduate, free money, student loan forgiveness, federal loan forgiveness, student loans debt relief, debt relief, student loans US, student loans pause, student loans news, student loans cancellation, student loans payment, student loans repayment, student loans gov, student loans supreme court, student loans debt, student loans interest rates, student loans sallie mae, financial burden, change your legacy, family legacy, bankruptcy, CLEP, CLEP test, DSST, DSST exam, test out of classes, AP class

Intro. e música de Fala Povo Fala (o Povo já não tem) na Emissão da Clep 9AGO2024, da qual este excerto faz parte.

Emissão a cargo de João Pedro Gonçalves e António Apolinário Lourenço. Fala Povo Fala estreia na Clep a versão de estúdio de O Povo já não tem e, a talhe de foice, viajamos a Aldeia de Lobos e Cem Soldos e pelas falas do território, nomeadamente o estremenho. Tempo, ainda, para a novela catalã Onde Está o Carles Puigdemont

Hey fam! As a Christian, you'd like to learn at a godly institution, but sometimes they are just so expensive! Today I have details about how my friend Daniel (from Anchor Bible College, a new school with extremely low-priced tuition), graduated from college with no loans and paid for it without scholarships! Of course, it's important to make sure the school you're attending has the programs you are looking for and wisely consider all options. I'm here to help you get started! So stop what you're doing, and grab your cold brew and TI-89, because class is now in session!   Anchor Bible College YouTube Channel: https://www.youtube.com/channel/UC4F6bGUQ9PDfcHst4N_iIGw Anchor Bible College Website: https://anchorbiblecollege.org/ Anchor Classes For Next Semester: https://anchorbiblecollege.org/winter-2024-course-catalog/ Anchor Tidings Newsletter Sign-Up: https://anchorbiblecollege.org/anchor-tidings-newsletter/   Related Episodes:  2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret 256 - Dual Enrollment 101: Save $7000+ for College! 146 - This New Year's Resolution Has Me on Track to Become a Millionaire! Only Takes 20 Mins a Week 218 - Earn Money While You Study: 3 College Jobs That Pay To Do Homework   Also find me at… ~ Facebook: Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook at tinyurl.com/karacommunity  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.    Topics in this episode: scholarships for my child, scholarships for my kids, scholarships for my children, scholarships senior high school, high school senior scholarships, homeschool, homeschooler, homeschooling, homeschoolers, homeschool program, homeschool programs, homeschool curriculum, homeschool co op, homeschool co op near me, homeschool online, homeschool online programs, homeschool planner, debtless, debt-free, hustle-free, success in the making, college, students, pay yourself forward, skip the loans, future-friendly options, money hacks, financial independence, intentional living, CLEP, DSST, test out of classes, AP, AP classes, U of M, University of Michigan, UofM, community college, dual enroll, dual enrollment, MTA, Michigan Transfer Agreement, transfer agreement, Monroe County Community College, Washtenaw Community College, go blue, go blue guarantee, teacher's assistant, graduate student assistant, graduate assistant, stipend, need-based financial aid, need based financial aid

Enjoy this conversation with a minority, first-generation college student, who is also a mom returning to college! I found her 8 scholarships worth potentially $18,000 for college (if she applies for and receives them)! Do you wanna work with me, too? HEAD TO… calendly.com/moneyandmentalpeace and plan a FREE Scholarship Strategy Session! Enter code "LULL" in the answer box to get 20% off if you decide to hire me after the free session.   LET'S GOOOOOOOOOOOOOO!!!   Episode about CLEPs & testing out of classes: 148 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret    Related Episodes 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (: 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here...    Facebook --＞ Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics mentioned in this episode: save money, financial peace, debt-free, debt-free community, cost effective, pay for college, university, collegiate, academic, academia, Dave Ramsey Baby Steps, frugal, frugality, church coffee, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, finding scholarships, scholarship database, grants, bursaries, google it, duck duck go, ask family and friends, local businesses, church, denominations, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, CLEP, test out of classes, test out, returning student, non-traditional student, adult college student

Sometimes higher education is just a waste of money! But that doesn't mean it always is, or that there is no hope of going and succeeding! Why not just have someone else pay for it, so you don't go into massive debt as you figure out life?  That might seem easier said than done, but today I have 3 ways to have someone else pay for school instead of you! Plus my besties Alyssa and Liz are along for the ride(:   LET'S GOOOOOOOOOOOOOO!!! Grab your cold brew and TI-89, because class is now in session! __________ Are you open to applying for scholarships, but don't have any time to find them? I got you boo! I can guarantee finding students between $10,000-30,000 in scholarships for college, university, grad school, law school, etc. I charge less than 1% of what I find them, depending on which tier you choose to hire me. I try to find them based on school, major, interests, and other random/general scholarships for which anyone can apply.  Interested? Plan a FREE call with me to learn more --> Calendly - Kara Walker __________ Related Episodes: 10 - Want an Effective GAP Year THAT ACTUALLY PAYS YOU? It Takes These 5 Important Ingredients 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here... on Apple Podcasts   Articles Mentioned: 'Don't borrow for college,' warns Harvard economist'—why he says it's a 'waste of money' (cnbc.com) 12 Companies That Will Pay for Your College Education (investopedia.com)   P.S. Join me on... Facebook --> Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook Instagram --> @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com    Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics included in this podcast: broke, debt-free, overwhelmed, college scholarships, undergraduate, Dave Ramsey, grants, college grants, university, free money, collegiate, academics, academia, secondary education, undergraduate, broke, scholar, CLEP, test out, test out of classes, tuition, internship, AmeriCorps, Student Conservation Association, companies that pay for college, Amazon, Boeing, Chipotle, Discover, Papa John's, Disney, Starbucks, Taco Bell, T-Mobile, Verizon, Walmart  

Join Jess and Samantha in their conversation about the transformative power of homeschooling in today's episode of Keeping It Real. Hear why we believe homeschooling is more than just academics; it's a lifestyle choice that nurtures free thinkers and agents of change. Discover the significant reasons behind the shift from traditional schooling to homeschooling, including personal stories, safety concerns, and the desire for a customized learning environment that fosters curiosity and empowerment. Whether you're a seasoned homeschooler or just curious about alternative education methods, this episode is packed with insights, resources, and real-life experiences that will challenge the way you think about education.  Highly Effective Kindergartner: Discover Jess's perspective on the impact of behavioral charts in kindergarten in this article, as she critiques their effects on young learners. Read Jess's article here. Missouri Homeschooling Laws: Learn about the specific legal requirements for homeschooling in Missouri with this detailed guide from HSLDA. Explore Missouri's homeschooling laws here. Free CLEP Exam Prep: Access free CLEP exam preparation resources and vouchers at Modern States to help you earn college credits. Start preparing for free here. CLEP Exams: Gain college credits through examination with the College Board's CLEP program. Learn more about CLEP exams here. Penn Foster High School: Explore self-paced high school diploma programs at Penn Foster, designed for flexible, independent learning. Learn more about Penn Foster here.

Why not save $7000 for yourself instead of paying it in tuition!? Listen in on a conversation with local high school advisors, as they teach the difference between dual enrollment, "early college" or "middle college," and testing out of classes, plus how each of these could save you money! Have more questions for me or want the advisors to come on again? Come post in my FREE Facebook group --> Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook  LET'S GOOOOOOOOOOOOOO!!!   Related Episodes: 148 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (:   Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics included in this podcast: money management, manage money, money, broke, waste of money, college, debt-free, overwhelmed, scholarships, college scholarships, scholarships for graduate students, undergraduate, Dave Ramsey, grants, college grants, university, free money, CLEP, DSST

Ready to learn the history, philosophy, and practice of an experienced professional in the test prep industry? MEET OUR GUEST Meet Jason Hankins, who graduated in the year 2000 from Milwaukee School of Engineering with a Bachelor's in Computer Engineering and a minor in Business Administration. Jason works full time as a Software Engineer and part-time as a test prep tutor. He has a love of math and teaching others how to understand it. In 2004 he started his tutoring business, J. Digital Tutoring Services. He specialized in tutoring mathematics courses, math sections of standardized tests, Business courses as well as computer programming courses. Tests that he has helped students with include the NCLEX, TEAS, CLEP, ASVAB, GMAT, ACT, and SAT. With his business minor has been able to help students with accounting, finance, microeconomics, and managerial science courses. Jason is the founder and moderator of the SAT Exam Prep & Discussion and ACT Exam Prep & Discussion Facebook groups.  Jason has been involved with math tutoring for a long time. His first tutoring job was in college working in the college's Learning Resource Center. Since then, Jason has produced math instructional DVDs, worked as a math tutor at a local college (15 years), ran a tutoring program at a local church, maintained a math education YouTube channel, managed ACT and SAT Facebook groups, and is currently running his own private tutoring business. When he is not solving math problems Jason enjoys watching the stock market, looking for the next great stock, and watching professional sports. Find Jason at http://www.j-digital.net. ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright. Amy Seeley is the president of Seeley Test Pros. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, feel free to get in touch through our contact page.

So your kid wants to go to college, but money is tight! I mean, you're not poor, so you don't get any federal funding, but you're not rich either! You're just stuck between a rock and a hard place. You might wonder if her high GPA will help with scholarships?  DON'T WORRY! I myself graduated from college debt-free without rich parents nor ANY student loans, and I can walk you through how your exact situation is actually ideal with lots of scholarship options available. Listen in, and… Schedule a FREE Scholarship Strategy Session with me to discuss how I can find your child between $10,000-30,000 in scholarship opportunities! Access my calendar here –> https://calendly.com/moneyandmentalpeace  Related Episodes:  RAISING HER CONFIDENTLY | 109 Talk to Your Teen Daughter About Finances & College with Kara Walker 80 - 5 Steps to Apply for FAFSA Money 2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret   Also find me at… ~ Facebook: Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook at tinyurl.com/karacommunity  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.  Topics included in this podcast: scholarships for my child, scholarships for my kids, scholarships for my children, scholarships senior high school, high school senior scholarships, high school junior scholarships, college scholarships, scholarships for graduate students, undergraduate, free money, student loan forgiveness, federal loan forgiveness, student loans debt relief, debt relief, student loans US, student loans pause, student loans news, student loans cancellation, student loans payment, student loans repayment, student loans gov, student loans supreme court, student loans debt, student loans interest rates, student loans sallie mae, financial burden, change your legacy, family legacy, bankruptcy, CLEP, CLEP test, DSST, DSST exam, test out of classes, AP class

Enjoy this conversation with a college girl, interested in health, fitness, business, and entrepreneurship! I found her 18 scholarships worth potentially $24,000 for college (if she applies for and receives them)! HEAD TO… calendly.com/moneyandmentalpeace and to plan a FREE Scholarship Strategy Session with me!  LET'S GOOOOOOOOOOOOOO!!!   Related Episodes 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (: 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here...    Facebook --＞ Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics mentioned in this episode: save money, financial peace, debt-free, debt-free community, cost effective, pay for college, university, collegiate, academic, academia, Dave Ramsey Baby Steps, frugal, frugality, church coffee, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, finding scholarships, scholarship database, grants, bursaries, google it, duck duck go, ask family and friends, local businesses, church, denominations, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, CLEP, test out of classes, test out, returning student, non-traditional student, adult college student

So your kid wants to go to college, but money is tight! I mean, you're not poor, so you don't get any federal funding, but you're not rich either! You're just stuck between a rock and a hard place. You think, “Maybe student loans are my best option?” WAIT! Just hear me out in this episode, where 2 of my business friends interview me on how I graduated from college debt-free. I used scholarships, grants, and plain old, cold, hard cash to pay for school, and I'll show you how you guys can too!!! Let's gooooooooo!   Find me on Facebook ->  Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook at tinyurl.com/karacommunity  OR Schedule a FREE Scholarship Strategy Session with me to discuss how I can find your child between $10,000-30,000 in scholarship opportunities! Access my calendar here –> https://calendly.com/moneyandmentalpeace    Related episodes: RAISING HER CONFIDENTLY | 109 Talk to Your Teen Daughter About Finances & College with Kara Walker 80 - 5 Steps to Apply for FAFSA Money 2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret   Also find me at… Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.  Topics included in this podcast: scholarships for my child, scholarships for my kids, scholarships for my children, scholarships senior high school, high school senior scholarships, high school junior scholarships, college scholarships, scholarships for graduate students, undergraduate, free money, student loan forgiveness, federal loan forgiveness, student loans debt relief, debt relief, student loans US, student loans pause, student loans news, student loans cancellation, student loans payment, student loans repayment, student loans gov, student loans supreme court, student loans debt, student loans interest rates, student loans sallie mae, financial burden, change your legacy, family legacy, bankruptcy, CLEP, CLEP test, DSST, DSST exam, test out of classes, AP class

Abertura da emissão com dois dedos de conversa  genérica e o Senhorio de Jacaréu. O programa ensaia um desenvolvimento  com uma pergunta estranha: - O próximo primeiro-ministro, Pedro Passos Coelho vai resolver os problemas da habitação? A resposta do Apolinário, não poderia ser outra: - Julguei que vinha para um programa sério!... Mas afinal o programa é contra ou a favor da avó da Mariana Mortágua? Ficamos sem saber, depois de discorrer sobre assuntos da campanha eleitoral para as legislativas e muitos outros como as obras inacabadas do MetroBus. Antes da meia hora começa-se a falar dos 50 anos de  abril e o Apolinário dá, aqui na Clep, as primeiras informações sobre a iniciativa do GAAC  50 anos, 50 poemas, que traz às ruas de Coimbra, no dia 16 de março, uma Chaimite que vai parar em vários pontos da cidade onde será feita a leitura de poemas icónicos relativos a essa data.

Depois de uma introdução tipo “macanudo”, surge o novo trabalho de Jacaréu - Senhorio. A conversa de café parece uma homenagem aos marretas, mas, sobre um tema bem atual: a bárbara invasão  da Ucrânia e o massacre diário do povo ucraniano pelo regime de Putin. Conversas de Café à Mesa da Rádio nesta emissão com João Pedro Gonçalves e Serafim Duarte.

Construção de Chico Buarque marca o início desta Conversa de Café à Mesa da Rádio, hoje com António Apolinário Lourenço, Serafim Duarte e Carlos Gandarez. A distribuição de jogo, como sempre, ficou a cargo do João Pedro Gonçalves.

A música volta a ter um lugar de destaque nesta emissão da Clep.

Clepsidra de 5 de abril de 2024 Nesta emissão saímos, cerca de um quarto de hora, para fora do estúdio da Clep e vamos visitar, ali no Exploratório Ciência Viva da Universidade de Coimbra, mais precisamente no Micro Science Photo Gallery uma exposição muito especial, intitulada Arte Chair  guiados pelo seu seu fundador e principal mentor, o professor Fernando Taveira Teixeira. Trata-se de um conjunto de trabalhos feitos pelos alunos de várias escolas do mundo lusófono, desde Timor ao. Brasil, passando por Portugal e pelos países africanos como Angola, Moçambique e Cabo Verde. De regresso ao estúdio a conversa de café à mesa da rádio é com o António Apolinário Lourenço sobre os temas da atualidade, os seus antecedentes e a sua projeção no futuro.

No ano do cinquentenário do 25 de abril, a primeira emissão do ano  dá a primazia (apesar dos problemazitos na mesa de mistura) aos sons de ABRIL. Antes que seja tarde!…

Are student loans stacking up and you wish you could go to school debt-free? Is it truly possible? YES! Because I did, and I'll be telling you how with this first step on how I got a degree for only $1200! Colleges didn't tell me how to do this, I had to find out for myself, and now I share all the secrets with you! Ready? Grab your cold brew and TI-89, because class is now in session.   Related Episodes: 146 - This New Year's resolution has me on track to become a millionaire! Only takes 20 mins a week (: on Apple Podcasts 100 - Apply for This $1000 EASY, NO ESSAY Scholarship Around Your Hectic Schedule + ENTER THE CONTEST GIVEAWAY!!! on Apple Podcasts 110 - How to Find $10,000 in Scholarship Opportunities in an Hour a Week - REPEAT BEST OF EPISODE on Apple Podcasts 102 - Apply for This $40,000 Easy, NO Essay Scholarship!! (NOT CLICKBAIT) on Apple Podcasts   P.S. Come join our FB Christian College Girls Community, and tell us what traditional degree you're getting, and how you want to use it in an unconventional way(: Facebook --> Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook Instagram --> @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!**   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace. Topics in this episode: save money, financial peace, debt-free, debt-free community, cost effective, pay for college, university, collegiate, academic, academia, Dave Ramsey Baby Steps, frugal, frugality, church coffee, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, finding scholarships, scholarship database, grants, bursaries, google it, duck duck go, ask family and friends, local businesses, church, denominations, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, CLEP, test out of classes, test out, returning student, non-traditional student, adult college student

No âmbito das comemorações populares dos 50 anos da Revolução dos Cravos, numa iniciativa promovida pelo Grupo de Arqueologia e Arte do Centro (GAAC), com o apoio da Câmara Municipal (CM) de Coimbra uma “Chaimite”, disponibilizada pela associação 25 de Abril, vai percorrer uma parte do concelho de Coimbra, neste sábado, dia 16 de março, e também no domingo, 17 de março. , Em cada um dos pontos de paragem vai acontecer uma leitura de poemas alusivos à à luta pela liberdade. António Apolinário Lourenço, do GAAC, apresenta o evento e, atenção! o programa extra de domingo,17 de março.  Entre as 10h00 e as 17h30, a ‘Chaimite' do MFA, percorre territórios da freguesia de Santo António dos Olivais e União das Freguesias de Coimbra, na margem direita do rio Mondego, além da União de Freguesias de Santa Clara e Castelo Viegas e da vizinha São Martinho do Bispo e Ribeira de Frades, estas na margem esquerda.  Sábado 10h00 – Ponto de partida: Quartel de Santana (BLI) 10h15 – B. Norton de Matos (frente ao Samambaia) 10h40 – Saída 11h00 – Largo dos Olivais (junto ao Largo em frente à pastelaria Monte dos Olivais) 11h30 – Saída 11h45 – Praça 8 de Maio (2 momentos performativos: à chegada e às 14h15) 14h40 – Saída 15h00 – Praça das Cortes (Santa Clara) 15h20 – Saída 15h30 – Largo João Serrano (São Martinho do Bispo) 15h50 – Saída 16h15 – Largo do Rossio (Ribeira de Frades) 16h35 – Saída 17h00 – Rossio de Santa Clara/ Av. João da Regras (local da “feira”) 17h20 – Saída. Domingo, 17 de março Ouvir este excerto da Clepsidra  

  http://convocourses.net https://www.youtube.com/live/Wu1DHW3VueA?si=DJqI_DDxphFRDOGK ### Introduction - Brief introduction of Bruce, his background in cybersecurity, and the purpose of Convo Courses. ### Personal Journey in Cybersecurity - Bruce's initial fascination with cybersecurity and IT. - Transition from passion to profession. - Reflections on career longevity and personal growth. ### Career Development and Financial Planning - The importance of planning beyond the day-to-day job. - Strategies for using income to build passive income streams. - Real estate and publishing as examples of passive income sources. ### Advice for Aspiring IT and Cybersecurity Professionals - Encouragement for newcomers to consider their long-term career goals. - Importance of financial planning and investment in passive income. ### Networking and Mentorship - The value of meeting people who have successfully exited the "rat race." - Insights from mentors on building financial independence through passive income. ### The Evolving Landscape of IT and Cybersecurity - Discussion on the impact of AI and technological advancements. - Personal experiences and perspectives on the changing nature of IT work. ### Corporate Experiences and Personal Growth - Anecdotes from Bruce's time in the corporate world. - Learning from challenges and using them to pivot towards entrepreneurship. ### Entrepreneurial Ventures and Lessons Learned - Experiences with blogging and creating online content. - The significance of perseverance, experimentation, and learning from failure. ### Engaging with the Audience - Q&A session with viewers. - Advice on career choices, technical skills, and job market insights. ### Cybersecurity Certifications and Career Tips - Discussion on CISSP certification and its value. - Tips for gaining experience and standing out in the cybersecurity field. ### Closing Thoughts - Summarization of key points discussed. - Encouragement for viewers to think big and plan for the future. - Invitation for topic suggestions for future discussions. This format aims to capture the essence of Bruce's dialogue, providing clear sections that can be easily expanded upon with more detailed bullet points or narrative descriptions as needed. Each section would be designed to offer actionable insights, drawing from Bruce's extensive experience and personal journey within the field of cybersecurity and beyond. Hey guys, this is Bruce and welcome to Convo Courses. Every week I do this and I'm talking about cyber security from a GRC perspective. I'm an insider. I've been doing cyber security for a very long time and normally I do this at one Mountain Standard time, but I had some business to do and as promised, I'm back. I'm a bit late because I had some stuff I had to take care of. What I wanted to talk about is what I do. When I first got into cybersecurity IT, I just did it because it was cool. It was fun. It was amazing. It's like magic to me. It's so amazing how it all works together and stuff. And as I've gotten older, it's just become a job. I'm not saying that that's bad or anything. It just is what it is. I've been doing it a very long time and now it's to the point where I got to think about, okay, where am I going with this? What's the end goal? What do I want to accomplish at the end of the road when this is all said and done? What do I want to leave to my family? When am I going to stop? So I've been thinking about that for quite some time, not just thinking about it, but doing something about it. And what I've been doing is using the income, my salary, my high salary to build passive income streams. And there's many, many things you can do for passive income. I just started doing something that worked for me and something that was more in my lane, which is like publishing and in real estate. So those are the things that I mainly focus on with my income. And it's just I guess I wanted to talk about it because it's important to think about where you want to go with this. Like if you're trying to get into cybersecurity, if you're trying to get if you just started IT or you want to get into it, you're a college student, you're in high school, whatever the case may be. And you're thinking, man, you know, IT is cool or I want to do it. It's a lot of jobs. They get paid a lot of money. It's job security, blah, blah, blah. At some point, maybe not today, maybe not tomorrow, but at some point in your career, you're going to have to think about where do I want this to go? What's the end goal? Am I just going to work a nine to five until I retire? What am I trying to do with this? And so that's what I've had to think about for the last 10 years. not just thinking about it but doing something about it so I just started trying different businesses I would use some of the income that I have to try different things and some of them worked and some of them didn't work sometimes it worked but it wasn't for me you know but the thing is you got to keep trying and failing just fail forward keep on trying different things um What's amazing is the people I've met. I've met some really amazing people who've done it all kinds of ways, all kinds of creative ways to get out of the rat race, meaning get out of the struggle. They don't struggle anymore with finances. They don't struggle with the treadmill of capitalism. They have mastered it. They have mastered it. And all the people who have mastered it all have passive income streams, I've noticed. They don't have to have a job. And I've met people who did it with real estate in different ways by either flipping houses or doing Airbnbs or doing tax liens, just doing rentals, regular rentals. I've met people doing property management. So there's many, many ways to do just real estate. And then I've met people who did, what do you call them? Homes for the elderly. I met people who just saved and put away a bunch of money in stocks and are going to be wealthy that way or are wealthy that way. I've met some people who did a combination of those things. I've met Just all kinds of people who did it their way. They were creative. One thing they all have in common is they have enough income to where they don't have to work a nine to five anymore if they don't want to. Some of them, they still work a nine to five because they're still like building a nest egg. And some of them, they have like a business and they like working that business. They like actually being there and working the business and all that kind of stuff. So seeing that these people kind of became like mentors to me. I would follow what they did. I would, I would ask them questions about what, how did they do it? What, what, what did they do? And all of them had to invest their own money or time to get to a point where to get to a point where they, their, their time was so valuable that they, that they didn't, It was more valuable for them to spend time on their business than their time at their job. So that's one thing I've noticed about a lot of them. And it's just something you should think about. And another thing is one of the reasons why you should consider doing IT and cybersecurity and progressing is that once you get to a certain income level, Obviously, your life changes. But one thing that happens is you have this surplus of income and you you've got to think about what you want to do with it. You have this little bit. It could be like an extra thousand. You like all your bills are paid. You know, you groceries are done like you. You're good. Right. You could probably even loan people money or whatever. Give people money, whatever. But you still have this extra cash. And so you got to think about, okay, what do I want to do with this money? And I would suggest that you invested in some kind of passive method of passive income. It doesn't have to be what I'm doing. It should be something that you find that works for you. And so that is a great reason to get into IT and cybersecurity because it's a high paying job. It's They're always going to need somebody doing IT. I know there's all these fears about LLMs and artificial intelligence and all that kind of stuff, but I would say that it's going to be more of a threat to not know it than to think it's going to just take all jobs. There's still... I don't think it's going to take all jobs. I think that's... hyperbole. I think it's just, we don't really know what's going to happen with it, right? One thing for sure that we know is it's going to change humanity. That's for sure. That's probably more scary. I'm surprised more people don't talk about that. What's more scary about AI is it's going to change us, just like this phone did, just like the internet did. It's changed us. We're no longer the same. We're not the same species that we were hundreds Before the internet, we're not the same. We're rapidly changing into something else. And I don't know what the hell that is, but we are not the same species that we were before. And AI is gonna speed up that process. We are gonna be different. And people keep talking about jobs. We have way more stuff to worry about than jobs. Way more stuff to worry about than jobs. It's gonna change us fundamentally as a species. And I don't know where that leads us to, but jobs is the least of our worries. That said, while we still have this thing going on, get into I.T., get into cybersecurity. You'll have all this extra income and it allows you to have a more freedom to build something that you for yourself and for your family. I'm somebody who comes from very humble beginnings, like I came from nothing and. I can tell you there's different stages and levels to this. When I first started out, like as a kid, we're struggling to survive. And so you're not thinking about necessarily, it's not real to you. $100,000 a year is not real. When you're struggling poor, it's just, it's delusional. I didn't know anybody who made 100,000 or maybe I did, but I didn't know that they made 100,000. I didn't have any friends that I knew made 100,000. It wasn't real. So it just didn't seem real at that level. It didn't seem real. And then once I started making my own income, I started meeting, my network changed. I started meeting other people who are also doing their own thing, other young people who are also doing their own thing, living their own life, doing their own thing. And I started running with that crowd. And then I started meeting older heads who are already doing, real estate and business and stuff they were talking a lot about it and I'd be like what is what what's this you're talking about this is while still in the military I got out of the military and I thought when I got out that I was going to get a corporate job make like 80 and and be cool and then just retire with that one corporation little that I know that corporations don't give don't care so much about humans. They care about the bottom line. They care about their money. So they're not really trying to take care of people. Maybe 50 years ago, they used to do that. But that's no longer the case. And I'm not trying to discourage you from going to a company. Yeah, by all means, do it. But just realize it's a stepping stone. And that's what I realize is that you're not going to stick with one company. Not anymore. Like I said, maybe 50 years ago. It's just very different now. And I got into the corporate world. I think the thing that turned me around with corporations, the thing that made me not lose hope, but think of them differently and see the reality of what was really going on is that one time my my wife at the time got really sick um she had like a pulmonary embolism or something like in her leg I mean she had like something in her leg like she had to go to uh the doctor she was out in the hospital for like three days and I asked I had just gotten hired and I asked the company I said You know, is it okay if I, I just bought a house, you know, we just moved in and we had a little baby and I said, hey, I know you guys just hired me, but can I get three days off because I need to take care of my kid. I don't have anybody here. I just moved to the state. And they were just like, well, we can't do it. It's against company policy. And it was some kind of politics that they were playing. My immediate supervisor basically wouldn't allow me to do it. It's just weird. And I'm just like, what? And it just dawned on me, these people do not give a damn about me. They really don't care. And I was like, well, why should I care about them? If they don't care about me or my family, then why am I sacrificing myself I'll do anything for these guys. I'm like, so I'm a fool. And after that, you know, it just, I just realized, man, I got to do something else. I'm not going to quit my job, but I got to figure something else out. Because if this is how it's going to be, I got to do something else, right? Because while I'm in the military, military take care of you. Military, like you have a brotherhood. If you stay with the military, you stay 20 years, they're going to give you retirement. It's not like that on the outside. And I, it just, it was a hard lesson to learn. And I said, okay, you know what, what I'm going to do is I'm going to start a business. That was the first time I was like, I'm going to start a business. And, um, the first business I did this now, this is crazy. First thing I did was blog. I made a blog and, um, it was back when blog could make a blog can make money. I mean, it could still could, but this was like, right. The early stages of blogs where blogs were brand new and people were making all this money off of blogs. And I started this blog and it got pretty popular, but now before it got popular, I remember I made 10 cents and I was super excited. I was like, I made 10 cents, you know, after writing a few articles or whatever. And the only reason I was happy is because I realized if I can make 10 cents, I can make a dollar. If I can make a dollar, I can make $10. If I can make $10, I can make a hundred dollars a day. If I can make a hundred dollars a day, you know what I mean? And that was true. what happened was the blog got really popular and it ended up landing me my first hundred thousand dollar job and allowed me to publish my first, uh, the first thing I published was like for a, it was like a pamphlet, uh, for this company. And, uh, they had me go around the world and teach, teach from this pamphlet that I wrote. And I made a little over a hundred thousand for the first time. So that blog, And one time I wrote an article, it went viral. It was making like $100 a day for a while, which at the time was crazy. And I don't know. It just opened my eyes. You never know what's going to work. So you should just try different things. And I've tried a lot of stuff, man. I've tried stuff that absolutely did not work. But I've tried things that really did work. And that's what you got to do. Just try different things. All right, I got some questions here. Thank you guys for watching. I appreciate it. Kind of a different flow right now. I just want to have you guys think a little bit bigger, especially if this is your goals. If you're trying to do IT, if this is what you're trying to do, start thinking about your future, what you want for your family far in the future, and what you can do. Somebody asked me or said, would you recommend starting at a big tech company or a small non-tech with higher pay long term. Think of it differently. What you want, the ideal job is one where you have a little bit of extra time. Like they're not, what do I mean by that? So what I'm trying to say is, I would take a little less pay to have a little bit more uh, a less stress personally. Um, but you could also go for high pay that will allow you to take some of that pay and re either reinvest it into a 401k, buy stocks, uh, buy bonds. If that's what you're into, um, play around with, with, uh, swing trading. If that's what you're into, try, try different things. You could use, if you make a, if you go to a big company and they pay you a whole bunch of money, um, or a small company and they pay you a whole bunch of money, use some of that money to invest it in. Try things, real estate, try stocks, try business, try different things. Use it as a stepping stone. As far as which one would I try, you said non-technical with higher pay or big tech. I'm just going to tell you from my experience. Smaller companies are more... There's more like a person to person feeling with smaller companies. I've worked from for literally like a two man company all the way up to multibillion dollar companies and international multibillion dollar companies and for the government. And I can tell you some of the best experiences I had was with smaller companies. And maybe this is just anecdotal, like maybe it's just my experience and maybe it's different for everybody. But in all the small companies I worked for, it was more one-on-one. I was a person. I wasn't just a number. At the large companies, I was just a number. I might have had a real good team and everything, but at the end of the day, they can replace you in a heartbeat. And because of that, they don't really value the person as much as they used to. But smaller companies, they really took their time to develop each person. And I really miss that feeling of being on this team. And with that said, when you're in a small company, it's kind of like you're in a big ocean being kind of rocked by all the market By the market that's happening, you know, whereas when you're in a big ass company, it's like you're on an ocean liner and the economy is rocking. But the boat is just going like this, you know, it's kind of wavering a bit. You're not being tossed on the sea by the economy or whatever's happening, market forces or whatever. So there's tradeoffs for different things. At the end of the day, it depends on what you want to do. Just think long term, like think big, think your entire lifespan and what you want. for yourself and for your kids and for your kids' kids. When it's all said and done, when you are nothing more than a memory, you want to have a look back and create some sort of legacy. This is one stepping stone in a long line of steps you're going to take. So just think of it. Think big is what I would say to make your decision. And that way, when you do make a decision, it'll mean something. It'll be one step in the right direction that you're going. So I hope that helps. I'm just telling you my experience with small companies and big companies and all that kind of stuff. If you went for the big money, non-tech big money, you can use that money to invest it and do what you want. And the big companies got a little bit more of... What feels like security and maybe have a little bit more time on your hands to mess around and you can use that time to tinker and mess with something else. Probably the money is what I would take, to be honest with you. Let me see. Forty Rock says a four rock says. Is IT cybersecurity still hiring? I have three years of technical support and two years of SQL development. I've been unemployed since November and I cannot get a help desk position. Open up what you're willing to take for Rock. What I would recommend is possibly going back into SQL development, be open to that, be open to technical support. um lean on your skills um a lot of times I'll give you an example of one time there was a time when I i was really wanting to get um into more technical stuff and I did I actually landed a job in a technical position as a field technician And I did know it at the time, but I took a huge pay cut because my specialty was in cybersecurity. I just didn't want to do it anymore. I just didn't want to do policies and all that kind of stuff anymore. I just didn't want to do it. So I was like, man, I want to do more hardcore stuff. And I found a job, but I took like a, I don't know, 45% pay cut. I mean, it was a lot, man. I had no idea. If I could go back, I realized my mistake was that I didn't lean on my strengths. Lean on your strengths. Your strengths are, you said, two years of SQL development. Not a lot of people know SQL, bro. That's a special skill and all the things that come with it. I guarantee you, you're not tapping into all of the skill sets that you have with SQL. SQL is very special. Very special, because that means you could work in, and correct me if I'm wrong, but with SQL, you can work in several different database environments, because many of the largest databases, relational databases and object-oriented databases, they use some sort of SQL. MySQL, Oracle, right? They use some sort of SQL. So lean heavily on your SQL experience. What you could do to see what types of keywords to put in your resume so you can quote unquote lean into your strengths is look at other people's resume. Go to LinkedIn. Go to LinkedIn right now. If you happen to be watching me, go to LinkedIn and type in SQL development. And then don't look at jobs just yet, right? That'll come next. What you want to do first is look at other people's resumes. Look who comes up on there and look at their resumes. Not all people put their entire resume out there or profile rather, but some people do. Look at their profile. Check out their profile and see what they're putting, what keywords. I guarantee you a lot of the stuff that they're doing, that they're the keywords, that the key phrases that they use are referring to skills and things that you have done in your two years with SQL development. Put that shit on your resume. Put it on your resume. Because don't just aim for a help desk job. Broaden your horizon. That's what I'm trying to tell you to do. And these guys on here who have IT experience, they'll tell you, man, listen, a lot of these guys are looking for your skill set. Mike chimed in. He says, some of these firms, non-tech, you are You're just a number, yeah, absolutely. Okay, so my man Mike is talking to you. Let me see who else is out here talking. Oh man, TikTok is crazy. Is it necessary to do help desk before jumping into cybersecurity analyst? Not necessarily help desk, but like a tier one type position. I mean, let me see if I can explain it better. The first point of contact for fixing technical problems, it's not always called help desk. Sometimes it's called customer support, technical support. field technician. There's different names for it, but they're normally the first person that you talk to. They're normally the first person you talk to when you have some kind of a problem with your internet, with the computer. It's not always just help desk. We kind of use that as a blanket term because that's probably the most known term for That first tier person that you talk to. But you get the idea. So I would say it's best. You don't absolutely have to. Like I've seen people who were cybersecurity analysts who did not have a solid help desk background. But the best people started from the bottom. worked their way up. They were field technicians and then they were help desk or field technician or customer support or something like that. And then they kind of graduated to this other level. I've seen people who skip rungs, like people who are just thrown right into systems system and administrators creating accounts and things like that. And then they were working with server problems or updating servers and stuff, and they never really touched help desk per se. I've seen people who went directly in the networking straight out of basic training, went to some technical school and then went straight to that or went straight from college to do that or They had some sort of background networking, did network, junior network administrator, and then went to something else, cybersecurity analyst or forensics or whatever. They did something else. So it's not absolutely necessary, but let me explain a little bit about cybersecurity analyst. That's one of the skill sets that I've had, something I've done in the past. A cybersecurity analyst... Um, when, when I was doing it was somebody who was, they were monitoring, they were doing a lot of, of monitoring of the network. We were monitoring the network using tools like scene, which is a security information event manager, uh, that looked at all the logs going on the network. We would look at, uh, we had. IPS, IDS, which is intrusion detection or intrusion prevention systems that we would have to know how to block certain ports or whatever, certain source IPs. We have to know different types of attacks. We were looking at the network, right? And determining if we were being attacked or if there was some kind of a threat that was on the network. That was our job as a cybersecurity and we were analyzing the network. And then sometimes we'd have to escalate it to the incident response team, or we'd have to do something like that. So that said, think about it. A cybersecurity analyst has to know quite a bit about how the network works, like how networking itself works. Because they're looking at logs over the network. And you have to know How TCP IP works and all that kind of stuff, because you're looking sometimes you're looking at packets going across the network. And sometimes we even break open packets to look at what was going on. Right. So you have to know a bit about network engineer, how networks work. You have to know the difference between a server and a workstation and how they work together. You have to know that you have to have the basics nailed down. You know, you have to know what ports are, like at least like common ports and how they work, how they can be exploited. So you kind of have to know like two or three different things and start linking them together for cybersecurity analyst work. It takes very talented people to be good at it. And I'm not saying I was good at it. I wasn't. I was just a newcomer. I was a new guy who was fascinated by it. You know, I could... I could get around, but I wasn't like one of the more skilled guys on the team. I was learning stuff. But what I'm getting at is you have to have the basics nailed down in order to do a job like cybersecurity analyst work, right? I'm not saying you have to be a master at it or some kind of brilliant person at it, but you – Even to do the basics, you have to have some basic skills, basic like help desk type skills down, first tier skills down. Somebody said, bro, where do I start? Start where you are. Consider your industry. If you happen to be from student, zero to hero. If you're a student, you can start right now. If you're in some sort of industry already, like you're in the healthcare industry, you're in the pharmaceutical industry, you're in the retail industry, you're in, you name it, restaurant, and all of them use IT, you can start where you are. if you're a student uh you're in a special position because um now if you're a high schooler shoot they they have clubs that you can start right now start doing computer start learning computer stuff right now um start fixing people's computers right now start coding right now um there's things you can do right now as a high schooler to to do the hell I know people who Um, who got a CompTIA started getting cybersecurity certifications in high school, um, just to get, get the knowledge now, um, and to build themselves up, to go to a vocational school or to go to a community college or college university or whatever, to build up their skills. Or hell, start your own business doing fixing people's computers. You know, you can get that good at it. And then that stuff you can put on a resume or just keep building, scaling your own business from high school. College is I mean, college is a huge pivot point because in college, like you don't have to wait to get your degree. You don't have to wait like you shouldn't wait. Start being a working student right away. If you're on campus, see if you can help them out, help. Help out the campus to figure out what vulnerabilities they have. See if there's a working student program. Hell, even if it's remote, like if you're doing college remotely, they might still have a working student program. look into it they have apprenticeships they have internships they have all kinds of uh sometimes I have like a b2b uh university to business pipeline um ask you got to get yourself in there and ask uh where you can start as a college student college students probably have the best they're probably in the best position to get themselves uh get the ball rolling for their career But they got to start now. Like a lot of times they just wait until they get their degree and they're like, oh, I can't get a job, you know, like get start now, right now. Now, if you happen to be, let's say you forget the student, you're not a student no more, you're in the world, you're a healthcare professional. You know more about HIPAA than I do. And HIPAA is one of the primary laws that is used to protect patient data. That can get your foot in the door right there. I mean, that right there is huge. That's a huge step in the right direction. Now, you still have to learn all the basics of information technology, but you have a good foothold in that industry. If you happen to be in retail, did you know that all the times that you're taking people's credit cards, the whole system in the background is taking all that information has to have to have to have something called PCI compliance. You can start learning a little bit about that. See if you see if you can get involved with their IT department. If everyone has one, Taco Bell has one. Walmart has one. Everybody has an IT department. Everyone start get see if they'll let you do a lateral move over there or start learning shadow marketing. shadowing somebody who already does it. And in whatever retail space you're in, you'd be surprised. Look at their career page. They might have something where they're looking for IT professionals at TJ Maxx or whatever. And I'm being serious. It's not a joke. Like whatever, start where you are. That's what I'm telling you to do. And then once you get that money, right, you get that pay bump. Don't look, listen, I know you want a better lifestyle and I'm not telling you to not have a better lifestyle, but use some of that income to start building some passive income streams. And if you don't know what that is, you might want to Google it. You might want to Google it because it's important and they don't teach it in school. But I'm telling you right now, it's important to do it. This is not me trying to get. I don't have a course on passive income streams. Right. I thought about it, but I don't have one. OK, I'm not trying to sell you anything. Right. I'm just trying to tell you, like, if you don't know what passive income is, look it up. That's what I'm trying to tell you. It's a life changer. It can change your life. So look into it. Let me see here. Getting some more comments and stuff. And I'm only going to do about an hour, guys. So I got about 30 minutes. I was on here earlier. I was doing one of my AirBVs. And now I'm here to do the real work here. Okay. Susie says, I hope I'm pronouncing that correctly. I'm sure I'm not. After getting your CISSP, did you find some of the content helpful on the job? or was it mainly a confidence booster currently studying for the exam? I'm curious. I'm going to say something that you're probably not going to like. I'm going to say something that's probably controversial, but I'm going to tell you the truth. The CISSP is so general that it really didn't, I can't say that it helped in any capacity. And I know that's not what you want to hear. You want to hear that there's a magic wand, that you take some certification and magical things happen. The magic was that everybody wanted to hire me after I got the goddamn thing. That was the magic. There are certifications that I could say that were extremely technically useful that I saw the things I was using on that certification in real life, like things like the CCNA. Cisco certification, like those Cisco certifications are the real, they're the real deal, right? What other certifications would I say were extremely useful? The Microsoft certification, the technical vendor level certifications doing their vendor level stuff is very, very useful. Qualys, like that was, that's not a big certification. It's not marketing. talked about but it's qualis is a scanner it's a network scanner and that stuff the stuff that I learned um that I had that that were on that was on the test that's the stuff that we're actually using uh at the organization I worked at so the vendor level certifications are very very much useful um I would say the security plus was very useful even though it's not vendor specific Security Plus was useful because it's talking about stuff that you're going to... Let me put it to you this way. Security Plus is usually introduced to people who are fairly new into cybersecurity. So it opens up... It's kind of touching on many different things that you might not have ever been introduced to for the first time. By the time you get to the CISSP, you kind of have some level of, you've touched a lot of different security by the time you actually take the cert. You take the cert, and the way they word it, how can I explain it without losing the CISSP? The way that they word it is like, it's a, what do they call it? Let me put it to you like this. They'll ask you a question, and the hardest part is the answers. Because you'll have two answers you can kind of throw away, and then they'll have two answers that are both right, but one's more right than the other. That's hard. That's the hard part about the CISSP. Would I say it helped me? I can't know. There's nothing on there that I could say, yeah, that right there, that's... That was on the, you know, I'm not quoting the CISSP. Like, it's not, I will say this, it's highly marketable. It's a great, it changed my life. As soon as I got it, people were like, oh, it was like I was a lawyer or some shit. It was like I had to pass the bar or something. It single-handedly changed my life. You could probably get the CISSP and not have a degree. With some years you got, of course, you have to have experience, but you could probably, that damn thing is so effective. It's so effective that as soon as you get it, like, so many people hire you just to say they, oh, we have a CISSP on the board in our IT department. He's a CISSP, you know, or whatever. That said, you know, just because you have a CISP doesn't mean I'm magically no shit because there's a lot of dumbass CISPs, you know. So I'm sorry I had to take the magic out of it. The magic is that you will get paid and people will hire you. So that just, you know, it is what it is. Let me see. I just got my Security+. six months ago, but I'm still struggling to get a job. How much experience concern, Jay? How much experience do you have? Because the certification alone is not, including the CISSP, is not enough to land you a job. They really, employers want a, they want to see that you can do the work. And that requires, and the best way to see that is via your experience. So wherever you can get experience, get experience. There's been a lot of questions about what search should I get or, you know, I get a lot of those kinds of questions, but the questions I get less of that should be asked is how do I get experience? That's a harder question for me to answer for you, but also it's, It's the best question because that's what they're really looking for. I'm not saying you shouldn't have a security plus. Security plus is fire. CISSP, I just told you, if single-handedly changed my life, it's great. A degree is, you know, people are talking shit about degrees, but if you're doing technical work, you're going to be an engineer, you're going to be doing this for a while, a degree is important. Because the longer you stay in this career path, the more competitive it gets. And the degree is very competitive. So those certs, those degrees, all the pieces of paper, those are important, right? There's an important half in your arsenal, right? But it's like you're sharpening the blades. But the best thing you can have is is experience. The best thing, that's the meat on the plate. Got to have experience. It's very, very, very important. So can't stress that enough, right? Wherever you can get it, you can get it in school, while you're still in school, wherever industry you're in, try to get it there. Wherever you can get experience that you can put something that you can put on your resume, on your profile to say, I did X, Y, and Z for this company. If you can do that, that's That's where the meat is at. Yes, get the Security Plus. Yes, get the CISP. Yes, get cloud certifications. Yes, all that, right? But those are just tools in your arsenal, right? You got to be able to wield the sword, and that's where the skill set comes in. Let me see. Got more questions, comments, complaints on here. How long should I stay in corporate? I just started my career in big tech. It depends on what your ultimate goal is. I would say stay, ride that gravy train as long as you need to. Ride that gravy train as far as it'll take you. Make them fire you. Keep collecting that check and then use that check To brick by brick build something bigger for yourself and for your family. As long as you need to, brother. Use it to build your own corporation. Use it to build your nest egg, your 401k. Use it to, especially if they're doing like that shit where they say, okay, if you put a dollar in, we'll put $3. Yes, do that shit. Ride that gravy train as far as it'll take you. Let me see here. Let me see. Let's see. I've got some more questions, comments, complaints here. Do you have a step by step how to be an ISO course? I do. If that's what you're looking for, you came to the right man. because that's exactly what I have. I have a course specifically for ISOs. I'm glad you asked that question, because that brings us to a commercial break. This is brought to you by Risk Management Framework, ISO. This is what the course is called. And this is a book, by the way, that I wrote. This is coming directly from my own personal experience. I tell you, in plain English, what this job entitles, and specifically from the perspective of an information system security officer, how to do this work for risk management framework, NIST 800. I've got two books. One focuses on the NIST 837, and one focuses on the NIST 853. I remember talking to one of my peers, and I was telling him, hey, man, I was trying to get him in with me to write books and stuff. I'm like, man, I've got this course, and I want you to help me build it. And he says, man, why would people pay for something that they can get for free? You can get this for free. All this shit here is for free on the internet. But when you read it, it sounds like just go read it. You'll see for yourself what it sounds like. When I first started learning this stuff, I was like, what the fuck? What am I reading here? It doesn't tell you what you're supposed to do. It does, but it takes 15 paths to Sunday to get to the point. What I'm doing is getting straight to the point and telling you from my experience in the Department of Defense and a couple other federal organizations exactly what you need to do, where you need to focus on, and where to not waste your time. That's what I'm doing. So it's from the perspective of somebody who's done it before. And I'm telling you how it is. So and then once you read this, all the other shit will make more sense. So, yes, I do have a course. It's out there right now. Go to convocourses.net. I've got a bunch of discounts that you can use. Huge, huge. You got to go through it. There's lots of stuff that's out there. Huge discounts been putting out over the years. And if you can't afford it, you can just get this book right here. I've got two of them and that's on Amazon. It's also on my site and it'll walk you through it. It's just stuff I wrote that I wish somebody would have told me when I first started doing this stuff. and explains it in a way that's just straight to the point like here's what you need to do then do this don't worry about this focus on this that's what the book is about that's what the course is about I hope that helps um what do you recommend to leverage your existing salary credit now I know dave ramsey is not going to agree with this but credit other people's money um leverage your set, your existing salary. A couple of things, a couple of things. It's a great fucking question. So listen, a couple of things I use credit, manage your credit. I'm not telling you if you can't manage your credit, if you don't have no discipline, do it. Don't do not do it. Go watch Dave Ramsey. Listen to everything he says, put money in an envelope and pay everything with that shit. Right. But if you can, if you have restraint, right, you're not going to, Go buy a Lamborghini with the money that the bank gives you. And you're trying to build a legacy. You're trying to build something for your kids and your family. Credit, loans, shit like that. Business credit. You don't even have to use your own personal credit if you have an LLC, if you have a business. If you have a bank account that has money going into it, After about two years, they'll give you a loan based off of that LLC. That's based off your bid. They'll give you money from your bid. They'll give your business money and it doesn't mess with your own personal credit. But yeah, that's one thing I use is credit, loans, stuff like that, other people's money. And then I use my high salary to pay that debt down or manage that debt effectively. So that's one thing you can use. And if you're doing real estate, you basically have to use other people's money. So um another thing I do I've done before not doing it currently but if I had the opportunity I probably would uh is uh over it's called over employment so what you do is you just get two jobs if you work from home you can work two jobs you can have one part-time job and one full-time job two part-time jobs or you can you could do uh what a lot of i.t guys do is they just hop from um They'll do what's called 10 99s. They won't be a full-time employee. Let's jump from contract to contract to contract and do like three months here, four months here, nine months here at these different companies. And sometimes doing it two at a time and doing that shit, you can make 200, $300,000 easy doing that, you know? So, um, that's another way you can leverage your, your existing salary. Another thing is, uh, uh, do, do, uh, have a side hustle, side incomes. Um, this is something I've been doing for many, many years and my favorite thing to do. And it's stuff like this. This is a side hustle. It does pretty good. It does pretty good. It does. All right. You know, I'm not rich or anything. I mean, look where I'm at, you know what I'm saying? But, uh, it does. Okay. You know, um, what else do I do? I mean, that's pretty much it. Um, loans credit uh making sure I maintain my credit and build using other people's money to do the bank's money to do what I need to do and managing that money with my salary right um that's one thing I do uh and then over employment I do from time to time where I'm not really a fan of it these days because I really need my time for me and my family my kids and everything um And then the other thing is side hustles. That's what I do to leverage. I use my salary to build. There's a lot of leverage you can use. These tools are very, very useful. Very, very, very useful. Let me see. Dewart says, can you work two jobs if you have a secret clearance? It's not so much about the secret clearance. It's about the agreement you have with the company. So it depends on the agreement you have with the company. Some companies are very strict and say, look, you agree to work with us eight hours a day. There's a couple of things. Okay. Let me, let me back out a little bit. Number one, you cannot have a conflict of interest. All right. You can't have a con meaning you can't work for Lockheed Martin and Northrop Grumman for this, for, for competing contracts or some shit. Like you can't, you can't work for this company and it's competing with this company and they're on the same contract or something. Like you can't, have conflicts of interest. What's a real good example of a conflict of interest? Look, you can't have a conflict of interest. That's all I'm going to say about it. You can't. Don't do it. Don't do it. It's not worth it. And then sometimes the organization that you're working for will flat out say, look, we want you to work eight hours a And that's what you're supposed to do. You're going to work eight hours for them. But they can't stop you from working some hours on the weekends. If Saturday and Sunday is yours, they don't own you. Am I right or wrong? They do not own you. Even if you have a secret, top secret, it doesn't matter. They don't own you. You're a human being. You have rights. So after hours, they don't own you. You can work after hours. Now, you can't work during their time during their, you know, so the secret clearance doesn't say that you cannot work for anyone else, right? It just says you cannot share the Volge information that they've, that's sensitive, you know? So that's what, don't do that, you know? So, yeah, it doesn't, a secret clearance doesn't matter in that regard. You can still be over, you know, uh, overemployed, but don't have a conflict of interest. Don't do not do it. Like you can't, we'll be a conflict of interest. Like if you work for the government as a GS, and then you also work as a contractor on the same contract, that's probably a conflict of interest, stuff like that. Are you two competing companies where one, they have one has this special sauce and this one has a special sauce. And then you, You don't want to do stuff like that, right? It's just, you might get yourself in some legal trouble if you do something like that. They're very clear with you. And some companies, what you can do, the company I'm currently working for, they said, look, If you work for another company, just let us know. They say, look, we can't stop you from working for this other company. Now, you can't work during the hours we want you to. Like, if you're working for us, we're not expecting you to be using our stuff to work on theirs. No way. This is our stuff. You know, you work on our time. If you clock eight hours. You're working for us. Right. That's understood. That's what this contract you're signed. So they just said the company I'm working for is like, look, just let us know. You know, that's that's it. Just let us know. And they you know, they can't stop you. Let me see. What other questions do we have here? Somebody said, what if you know how to. What if I know how to build computers? That's a really great first step. I've got a little course, a free course about this where I talk about the levels to help people understand where they have to go to get from point A to point B. And I say the first step is to become a geek. That means to get interested in computers, learn everything you can about it, learn a common body of knowledge. And so, yeah, become a geek. Learn, take computers apart, put them together. But that's only one aspect of it, right? You need to learn networking. You should probably learn a little bit about cloud technology. You should probably learn a little bit about networking technology. Maybe you mess around with a little bit of scripting or code. There's a lot of different aspects of IT to learn. Frameworks is a really good one to learn. Start learning the common body of knowledge beyond just building computers, like learn the whole landscape. That's cool that you know what mountains are, but what about valleys? What about rivers? Learn the whole map of how this landscape works from a distance, like how all this is laid out, how people are using information technology. You want to have a bird's eye view of how all this works, and that's the common body of knowledge, something that all of us have, regardless of whether you are a software engineer or a database guy or a help desk person. cybersecurity person. All of us have some idea of how IPs work. All of us have some idea of how it was a server versus a workstation. All of us have some idea of what cloud technology is. All of us know the layout, the lay of the land. So you still have to know that piece. Now, you might be a master of building computers. You could run circles around me with building computers. I've built a computer in many, many years. But that's not the only thing that you have to learn, right? So from geek, I talk about going to trying to land your first job. From there, from geek to getting your first job, now you're talking about possibly going to school, possibly getting yourself a certification. A plus certification would be something you would probably kill, you know, because it's all about how computers, the components work and how software works with the components, all that kind of stuff. So from geek, landing your first job. Now, let's say you actually get that technical support job and you talk about how to go from there to do a specialization. Cybersecurity is the one that I talk about. What kinds of things as an IT professional do you need to know to get in the door of a cybersecurity type job? So that's the kind of stuff I talk about. But Building computers is one aspect of it, and that's a great aspect to start with. I would recommend you look at the common body of knowledge in CompTIA A+, especially if you're very, very new to IT. I'm taking AWS solution architect exam on Monday. Oh, man, that's awesome. I've been thinking about doing AWS. I have not had time. I would really like to. I'm working on my CCNA next month. CCNA is no joke. I like it. Somebody says, I have a CISSP and master trying to find a job, but people want experience. Yeah. Experience is super important. What can you do to get experience? It depends on where you're at. If you're a student, maybe what you could do is go to your campus, go to your college campus and see if you can get on their IT team. Don't say that help desk is beneath you. Do it. That's experience. Get in there and fix some computers. Get in there and image some computers. do laptops, fix laptops, figure out how the laptop connects to the network. Put that experience on your resume. Try to be a working student if you still have a connection with your school. Even if it's a remote school, you'd be surprised. Sometimes they need help with their equipment that's out there in the field. You could do freelance work and start your own If you know a lot, you're CISSP, if you know a lot about a certain thing, a lot of CISPs are a mile deep in like one or two things. Take that skill set, whether it's scripting or running scans or building networks or whatever you do, whatever you are professional on, do freelance work for local companies or find some organizations. If you have a church, if you go to a church or some kind of other local community, whatever it is, interface with them and try to see if you can do work for them. Do it for free if you can. Do work for some organization so you can put that on your resume. Another thing you can do, one thing Ryan brought up that I just didn't think of it all this whole time, but join an organization called the ISSA. So this is a local – they have local chapters everywhere. In almost every major city, they have a local chapter. And this organization, they meet like monthly. And it's a bunch of information system security people and IT professionals, system admins, help desk people, captains of industry, CEOs are there, CIOs are there, chief information security officers are there. You name it, they're there. And they all meet about once a month in a city, in whatever city you happen to be in, and They're talking about career paths. If you have a CISSP, hell, sometimes they have jobs there and ways to get experience. You could talk to some of the old heads there and say, look, man, I'm trying to get in this field. I've got a CISSP. I got a master's degree. I specialize in writing scripts. How can I get experience? What do I have to do? to get experience for this field. The ISSA is the Information Systems Security Association. They have one in every single state. They have one in almost every city. Well, probably not in every city, every major city, but every state has one. And I think there's even some in other countries. So look that up and try to network with those people. Because with With all of your pedigree of prestigious papers, you should be able to land yourself a job, if nothing else, an internship or something. Somebody said create projects and post them on GitHub. That's another way to do it, especially if you know Python or something or if you know any kind of software projects. Put that on GitHub and you can put that on your resume. So there's a lot of different ways to do it. It depends on where you're at. Somebody says, I have a portfolio with five complex cloud projects. How can I get into the field? Any tips? Hmm. How could you get into? A lot of times when people say this to me, it's usually experience and their resume. It's one of the two things. It's usually one of those things that are stopping them from getting their foot in the door. Pretty clear. It's usually one of those things. They send me their resume and I look through it and it's usually one of those things. I don't know. I don't know what to say. But how could you do it? I think you've got to continue to build out your as much experience as you can. And it's hard. I mean, it's difficult because that's where the real rubber meets the road. That's where the real meat is at, is your experience. It's the hardest part. You've got to talk to people. It's hard. You've got to get out there. You've got to network. So like I said, you could try the local ISSA chapter. I mean, they've got a whole bunch of people you can network with and figure something out. I mean, you have cloud experience. Do you have any certifications that might help you out? If you don't have one, maybe try to get some certifications under your belt. That's one thing you could try. Let me see. Oh, Ryan, how you doing, man? He says, I'm presenting on election security on February 28th at Pikes Peak ISC2 chapter meeting. That's awesome. So these are the kinds of people you want to network with, cybersecurity professionals, IT professionals who are out there. They have this in your area. LinkedIn, one of the hidden gems of LinkedIn is is that if you go there, there's a bunch of forums. In your local area, there'll be a bunch of meetings, a bunch of forums, a bunch of people presenting. Sometimes they'll have job fairs that are local to you. Join those groups. Join some of those groups. And a lot of times people are trading jobs back and forth. Another pretty good resource is Reddit. Reddit might have some pretty good resources for you as well. um reddit has a lot of professionals who are talking back and forth and it's a good way to network with like-minded people who are in the same position um and uh finding finding out new stuff that's kind of bubbling up in the industry uh let me see here I got some other stuff going on here and I'm going to end this real soon guys I appreciate all the people jumping on here um Or can I find your book? Go to Amazon, type Bruce Brown Convo Courses. You'll find a bunch of my books. Risk Management Framework is just one of them. Another place you can look at is convocourses.net. You'll also see free stuff. Ryan's got a free book. I linked his on there. He's got a free book that is walking you through how to study for the ISE2 CGRC, formerly the CAP, Governance, Risk, and Compliance Certification. So we've got free stuff, discounted stuff on there. At the end of the day, what we're trying to do is help people to make your life easier to get into this field, stay in this field, and level up if you already are in this field. Let me see. Emmanuel says, let me see this one. Emmanuel says, which MOS will you advise a 25 Bravo or a 25 Hotel for a start in cybersecurity? 25 Bravo. I thought that was an IT guy. 25 Bravo is in the Army MOS. Ryan's Army. He might be able to answer this. Ryan, what do you think about this question here? Emmanuel is asking, which MOS you would advise a 25 Bravo for a start in cybersecurity? Ryan says, 25 Bravo is a great start. Yeah, that is a great start because that's an IT, yes, and that's an IT specialist, as a matter of fact. So that is a great start. Don't do that. What are you doing? OK, I'm wrapping it up. I'm wrapping it up. Let me see. I'm going to stop this thing. I'm going to answer one more question. Ryan's taking care of the manual. He says, get a network plus or security plus ASAP. That's a great security plus. I would highly recommend a security plus. Oh, boy. OK, I think it's time. OK, one more question. OK, one more question. Okay, I got a bunch of Army guys jumping on here, giving great advice on TikTok. Do I have experience with overlays? A bit, a bit. 25 Delta, 17 Charlie, 25 Bravo. You locked in for six years. Man, I've got a lot of Army guys on here. and highly transferable to civilian sector. Okay, that's where we're going to end this. So 25 Bravo, let me tell you something. If you're a 25 Bravo, and they have an equivalent for this in every branch of the military. I believe the Air Force, they changed it. It used to be a three char... Oh, my Lord. Oh, my Lord. They changed it. It used to be called a three... 3Charlie. 3Charlie. Man, my brain. 3Charlie. 3COX1. That's what it was. 3COX1. That's what it used to be called. But it's no longer called that. So I don't know what they call it these days. 3Delta or something? 17Delta? I don't remember. But every branch has a 25 Bravo equivalent. And it's an IT professional. And somebody on TikTok nailed it. So he said that It is highly transferable to the civilian world. And he is absolutely right. So I was a, I'm an old head. So when I was in the air force, it was called a three Charlie, a three CLX one is what we called it. And a computer operator, same thing as a 25 Bravo. And I was, the thing is, and I don't know how they do it in the army. An army has really sharp IT guys. especially the warrant officers. Very impressive. But the thing is, the Air Force will specialize you in certain things. A computer operator, you could narrow down into firewalls. You could go into network engineering. You could go into not software engineering. That was a completely different field. But you get databases. You could focus on one kind of one area. And once you got out, I mean, you have certifications. If you put the effort in, you had a degree. Listen, if you have a year or more left, I would highly, highly recommend you get a degree. Because look, All of the training, all the way back to boot camp, all the way back to boot camp is going to go towards your degree. You have some credits there that are transferable to your degree. So you're probably only a few points away, maybe six credits, maybe 10 credits away from an associate's degree. Once you get the associate's degree, you have maybe, what is it, 60 more credits? I want to say 60 more credits, and then you have a bachelor's degree. That may sound crazy, like a lot of work, but it's actually not that much work. It's a few classes. Maybe not a few, maybe 10. Look, it's going to be some work, but You can get out with a bachelor's degree within a year. You can be within arm's reach of a bachelor's degree. At the very least, get an associate's degree because literally that's like two classes away. If you have one year left in the military and you are a 25 Bravo, hell, whatever MOS you're in, listen, get your damn degree. Just get the damn degree. All you got to do is go to – they've got a unit on base. I don't know what the Army calls it, but there's a unit on base that you can go to. They'll tell you exactly. They'll have a counselor. They'll break down. They'll take all the credits you already have. They'll say, listen, you went to boot camp. That's six credits. You went to 25 Bravo school. That's – You've got 30 credits for that, right? And of these 40 credits you have, you can apply 25 of them to this associate's degree. You only need two classes. This is what they're going to tell you. You only need two classes. You need one in math and you need one in history and you need one. And basically you can clep your way out of it. Clep is a test. You can just take a test and then they'll give you credits and then bam, you have a degree. Just do it, man. And then it's more, put it to you this way, it's more money. If you want more money, then just do it. Just go through this little bit of process that you have to do. Let them take your transcripts from the military, consolidate them, and you're going to boost up your income by like 15% to 25% when you get out of the military. And then also what Ryan said, Security+. Get a certification. And now you have experience, you have a degree, and you have a certification. And you're very, very deadly. You're very competitive. Very competitive. It's hard out here. It's hard out here on the outside, man. They don't just magically give you stuff here. Like, you got to work for this shit. But the good news is you're in a place where you can really sharpen some swords and come out swinging. All right. That's it, guys. I got to get off of this thing. I appreciate everybody. Remember what I said, like use this as a stepping a stepping stone, like use this as this is one step. You got to go to the next step, whether that's to level up your career, to make. big money as a director and retire with a bunch of 401k money or use this money to go start a business, use this money to invest in real estate. Use it to build up passive income streams because you can't do this forever, guys. You cannot do this forever. I know if you're 30 or you're 20, you think, oh, I'm going to... You just don't even think about it. You think you're going to live forever, man. Then you start seeing your friends die. I'm not trying to bring you down or anything, but I'm just telling you, like, life has an expiration date. And you got to start thinking about, okay, what's my plan? What am I trying to do? You can use this field as a way to go to another level and level up your family, too, and the people you love. So... Just some words of advice from an old guy. I hope some of you guys, I hope at least one of you guys listen to what I'm saying because it can change your life. All right, guys, I'll talk to you guys on the next week. Give me some suggestions of what we should talk about next. Sometimes I just get on here and ramble. So, all right, guys, talk to you later.

A few months ago we talked with Monica who told us how her son used CLEP testing to help him get his Bachelor's by 18. That was several years ago and she was worried that some of the info might be dated.  Then, I met my friend Amber over the summer. Her son Evan followed a specific homeschool track and finished High School at 14, and then his Bachelor's degree in 18 months. (He technically will be done in May.) It cost them $13,000 and the benefits will blow your mind. This episode really left  my husband and I considering this path so I hope it helps you too! Resources Amber Mentioned: https://www.smarterby1degree.com/http://www.Sophia.orghttp://www.study.comJoin our Facebook Community!https://www.facebook.com/groups/620126215285170

Set Up A Scholarship Strategy Session w/ Kara! In today's episode, we're thrilled to welcome back Kara, a beacon of inspiration for those navigating the path to college without the burden of student loans. As a 20-something Christian entrepreneur and amateur snowboarder, Kara shares her journey from being a high school student fascinated by personal finance to becoming a pioneer in strategizing a debt-free college education. Key Takeaways: - Kara's Philosophy: Loans were never an option for Kara. Her approach to financing college was akin to solving a puzzle, using resources like CLEP tests, scholarships, grants, and internships to not only avoid debt but to graduate with savings. - A Path Less Traveled: Kara's story is a testament to the possibilities that open up when you view college financing through a lens of resourcefulness and proactive planning. Her strategies included testing out of classes, utilizing community college for lower tuition costs, and capitalizing on various scholarships and grants. - The Iceberg of Scholarships: Kara introduces us to the concept of scholarships being like an iceberg, where most opportunities lie below the surface. She emphasizes the importance of digging deeper beyond the initial financial aid award letters and exploring options through high school advisors, community colleges, and external organizations. - Scholarships for All Ages: Kara shares that there are scholarship opportunities available even for middle schoolers, highlighting the importance of starting the search early and considering non-traditional paths to funding education. - Diverse Scholarship Criteria: Not all scholarships require stellar GPAs or essays. Many are available based on interests, majors, or even the college you plan to attend. Kara's approach involves personalizing the scholarship search to match the individual's unique situation. Kara's Tips for Scholarship Success: - Explore Beyond the Obvious: Don't stop at the financial aid award letter. Look for scholarships offered by your department, local businesses, and organizations related to your field of study. - Record Keeping: Maintain detailed records of all communications and applications. This not only helps in staying organized but can also be crucial in resolving any discrepancies. - Seek Professional Guidance: Kara offers personalized scholarship strategy sessions, leveraging her expertise to find opportunities tailored to individual profiles. With her help, students and parents can navigate the scholarship landscape more effectively, potentially unlocking thousands in funding opportunities. Connect with Kara: Kara's podcast, Money and Mental Peace, provides more insights into financing college without loans. She's offering our listeners a special discount on her scholarship strategy sessions. Use code "CASHFORCOLLEGE" for 15% off and start your journey toward a debt-free college experience. -- 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.myidealbalance.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.com/coaching  --- Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

You did what you thought was best at the time (or were told there was no other way), but now you see the BURDEN that student loans have created, like a dark cloud hanging over your life! What if I told you it could be different for your kids? Hey, I'm Kara, and I graduated from college debt-free without much financial assistance from my parents. I can help your students find scholarships and pay for college without student loans, too! Don't believe me? Listen in to find out how!   Schedule a FREE Scholarship Strategy Session with me to discuss how we can find your child between $10,000-30,000 in scholarship opportunities! Access my calendar here –> https://calendly.com/moneyandmentalpeace  Related Episodes:  About testing out of classes: 2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret 256 - Dual Enrollment 101: Save $7000+ for College! 146 - This New Year's Resolution Has Me on Track to Become a Millionaire! Only Takes 20 Mins a Week   Scholarship Series Per Year in High School/College: 263 - Earn $30,000 for College! Best Scholarships for High School Students to Reach Their College Fund Goals 264 - These 2 College Freshman Scholarships = $26,000! Best Scholarships for Freshmen, Apply Here! 265 - Want $4500 for School? Best College Sophomore Scholarships to Reach Your Debt-Free College Goals 266 - These 3 Scholarships for College Juniors = $6500! 267 - Need $26,000 for College? Best Scholarships for College Seniors - Apply Today! 268 - Earn $6500 for Grad School! Best Scholarships for Graduate Students   Also find me at… ~ Facebook: Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook at tinyurl.com/karacommunity  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.  Topics included in this podcast: scholarships for my child, scholarships for my kids, scholarships for my children, scholarships senior high school, high school senior scholarships, high school junior scholarships, college scholarships, scholarships for graduate students, undergraduate, free money, student loan forgiveness, federal loan forgiveness, student loans debt relief, debt relief, student loans US, student loans pause, student loans news, student loans cancellation, student loans payment, student loans repayment, student loans gov, student loans supreme court, student loans debt, student loans interest rates, student loans sallie mae, financial burden, change your legacy, family legacy, bankruptcy, CLEP, CLEP test, DSST, DSST exam, test out of classes, AP class

Hey fam! As a Christian, you'd like to learn at a godly institution, but sometimes they are just so expensive! Today I have details about how my friend Daniel (from Anchor Bible College, a new school with extremely low-priced tuition), graduated from college with no loans and paid for it without scholarships! Of course, it's important to make sure the school you're attending has the programs you are looking for and wisely consider all options. I'm here to help you get started! So stop what you're doing, and grab your cold brew and TI-89, because class is now in session!   Anchor Bible College YouTube Channel: https://www.youtube.com/channel/UC4F6bGUQ9PDfcHst4N_iIGw Anchor Bible College Website: https://anchorbiblecollege.org/ Anchor Classes For Next Semester: https://anchorbiblecollege.org/winter-2024-course-catalog/ Anchor Tidings Newsletter Sign-Up: https://anchorbiblecollege.org/anchor-tidings-newsletter/   Related Episodes:  2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret 256 - Dual Enrollment 101: Save $7000+ for College! 146 - This New Year's Resolution Has Me on Track to Become a Millionaire! Only Takes 20 Mins a Week 218 - Earn Money While You Study: 3 College Jobs That Pay To Do Homework   Also find me at… ~ Facebook: Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook at tinyurl.com/karacommunity  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.  Topics in this episode: scholarships for my child, scholarships for my kids, scholarships for my children, scholarships senior high school, high school senior scholarships, homeschool, homeschooler, homeschooling, homeschoolers, homeschool program, homeschool programs, homeschool curriculum, homeschool co op, homeschool co op near me, homeschool online, homeschool online programs, homeschool planner, debtless, debt-free, hustle-free, success in the making, college, students, pay yourself forward, skip the loans, future-friendly options, money hacks, financial independence, intentional living, CLEP, DSST, test out of classes, AP, AP classes, U of M, University of Michigan, UofM, community college, dual enroll, dual enrollment, MTA, Michigan Transfer Agreement, transfer agreement, Monroe County Community College, Washtenaw Community College, go blue, go blue guarantee, teacher's assistant, graduate student assistant, graduate assistant, stipend, need-based financial aid, need based financial aid

There, I said it... sometimes higher education is just a waste of money! But that doesn't mean it always is, or that there is no hope of going and succeeding! Why not just have someone else pay for it, so you don't go into massive debt as you figure out life?  That might seem easier said than done, but today I have 3 ways to have someone else pay for school instead of you! Plus my besties Alyssa and Liz are along for the ride(:   LET'S GOOOOOOOOOOOOOO!!! Grab your cold brew and TI-89, because class is now in session! __________ Are you open to applying for scholarships, but don't have any time to find them? I got you boo! I can guarantee finding students between $10,000-30,000 in scholarships for college, university, grad school, law school, etc. I charge less than 1% of what I find them, depending on which tier you choose to hire me. I try to find them based on school, major, interests, and other random/general scholarships for which anyone can apply.  Interested? Plan a FREE call with me to learn more --> Calendly - Kara Walker __________ Related Episodes: 10 - Want an Effective GAP Year THAT ACTUALLY PAYS YOU? It Takes These 5 Important Ingredients 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here... on Apple Podcasts   Articles Mentioned: 'Don't borrow for college,' warns Harvard economist'—why he says it's a 'waste of money' (cnbc.com) 12 Companies That Will Pay for Your College Education (investopedia.com)   P.S. Join me on... Facebook --> Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook Instagram --> @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com    Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics included in this podcast: broke, debt-free, overwhelmed, college scholarships, undergraduate, Dave Ramsey, grants, college grants, university, free money, collegiate, academics, academia, secondary education, undergraduate, broke, scholar, CLEP, test out, test out of classes, tuition, internship, AmeriCorps, Student Conservation Association, companies that pay for college, Amazon, Boeing, Chipotle, Discover, Papa John's, Disney, Starbucks, Taco Bell, T-Mobile, Verizon, Walmart  

Enjoy this conversation with a minority, first-generation college student, who is also a mom returning to college! I found her 8 scholarships worth potentially $18,000 for college (if she applies for and receives them)! Do you wanna work with me, too? HEAD TO… calendly.com/moneyandmentalpeace and plan a FREE Scholarship Strategy Session! Enter code "LULL" in the answer box to get 20% off if you decide to hire me after the free session.   LET'S GOOOOOOOOOOOOOO!!!   Episode about CLEPs & testing out of classes: 148 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret    Related Episodes 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (: 158 - How to Graduate College with $10,000 to SPARE! Learn About FREE COLLEGE Here...    Facebook --＞ Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook  Instagram --＞ @moneyandmentalpeace) Email --＞ info@moneyandmentalpeace.com   Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics mentioned in this episode: save money, financial peace, debt-free, debt-free community, cost effective, pay for college, university, collegiate, academic, academia, Dave Ramsey Baby Steps, frugal, frugality, church coffee, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, finding scholarships, scholarship database, grants, bursaries, google it, duck duck go, ask family and friends, local businesses, church, denominations, Scholarships, Financial Aid, Debt-Free, Budget Tips, College Student Loans, CLEP, test out of classes, test out, returning student, non-traditional student, adult college student

Hear a live conversation with local high school advisors, as they teach the difference between dual enrollment, early college or middle colleges, and testing out of classes! Have more questions for me or want the advisors to come on again? Come post in my FREE Facebook group --> Christian College Girl Community - Scholarships & Graduate Debt-Free | Facebook  LET'S GOOOOOOOOOOOOOO!!!   Related Episodes: 148 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret 172 - 3 Ways to Search and Find the Scholarships Specific To You 173 - She Paid Off $20,000 in Student Loans in a Few Months, Before Ever Paying Any Interest! Learn How You Can Too (:   Get scholarships and pay for college without student loans!   Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money?   Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free!   Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!)   During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS.   But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side.   ... and I'm here to walk you through this, too.   If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you!   So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics included in this podcast: money management, manage money, money, broke, waste of money, college, debt-free, overwhelmed, scholarships, college scholarships, scholarships for graduate students, undergraduate, Dave Ramsey, grants, college grants, university, free money, CLEP, DSST

Hellooooo! Wondering how you're going to pay for college? Wish you could even graduate with no student loans or debt? Is it possible? Yes!   Not only did I graduate debt-free, but I finished with $10,000 left in my bank account that I hadn't needed to use for school! No, my parents didn't pay for my college, I found other ways. Because of Dave Ramsey's inspiration, I was also able to start a business and immediately begin saving for retirement within a month after I graduated!   P.S.   Want me to do all the work in finding you scholarships to apply for? Plan a FREE Scholarship Strategy Session with me at --> Calendly - Kara Walker   Facebook --> Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook   Instagram --> @moneyandmentalpeace   Email --＞ info@moneyandmentalpeace.com         Related Episodes:   137 - Telling an 18-year-old to choose their life's career is a joke! Here's a roadmap for when you need to declare a major and pay for college but are uber confused! on Apple Podcasts   145 - Questioning Your Career Choice? 2 New Year's Resolutions That Will Help You Choose A College Degree You'll LOVE! on Apple Podcasts   152 - Choosing a Major Within God's Will in 5 Steps Find Passion, Purpose, and Calling - BEST-OF EPISODE on Apple Podcasts         Find God's Path for College and Graduate Loan and Debt-Free         Do you want guidance on where to go and what to study… wonder if you should change majors? Do you find yourself up late at night searching for scholarships, and ways to pay for college without parental help? Do you wake up worried about everything, and just want to make sure you're following God's plan for your life?         In this podcast for Christian college girls, you will learn to find GOD'S path for your college journey, and graduate with no loans or debt!         I get it! It is so tough doing things the world‘s way, when everybody else is doing life without God and in their own strength, making poor choices, and taking out loans. So, if you're ready to stop dreading making decisions, and find EASY solutions to help you pay for college while following His path for your life, this podcast is for you!         Hey there! I'm Kara Walker, a twenty-something entrepreneur, amateur snowboarder, recovering over-achiever, and debt-free college graduate. In college, I too was a stressed college student, looking for money and mental peace. I wondered if there were other ways to pay for college besides loans, and wished for clear direction on how to make college and career decisions! Not only was I worried about drowning in debt, but also afraid I hadn't heard Jesus correctly. Was I studying the wrong thing? Was I completely off track?         I felt semi-out of control and was spiraling, until I learned how to hear from God and follow His direction. He guided me and gave me the stepping stones to pay for college. Scholarships, grants, testing out of classes, and other weird school hacks got me through debt-free!         And, I'm here to teach you HOW to do this, too.         If you are ready to find answers about your future, have an intimate and fruitful relationship with Jesus, and have enough money to KILL it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.           Topics in this episode: free classes, test out of classes, CLEP, DSST, no essay scholarship, money hacks, unconventional, homeschool, public school, scholarships, Student Loans, Christian College Girls, Pay for College, Dave Ramsey, College Major, Declare Major, Student Loan Forgiveness, Federal Student Loans

Hellooooo! Wondering how you're going to pay for college? Wish you could even graduate with no student loans or debt? Is it possible? Yes! In this interview with my friend and podcaster friend Lydia Senn (Frugal Debt Free Life on Apple Podcasts) we discuss how I did so through Dave Ramsey's inspiration, free classes, scholarships, and other unconventional money hacks.   Not only did I graduate debt-free, but I finished with $10,000 left in my bank account that I hadn't needed to use for school! No, my parents didn't pay for my college, I found other ways. Because of Dave Ramsey's inspiration, I was also able to start a business and immediately begin saving for retirement within a month after I graduated!   Want me to do all the work in finding you scholarships to apply for? Plan a FREE Scholarship Strategy Session with me at --> Calendly - Kara Walker  Facebook --> Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook Instagram --> @moneyandmentalpeace Email --＞ info@moneyandmentalpeace.com   Related Episodes: 78 - How to Find $10,000 in Scholarship Opportunities in an Hour a Week on Apple Podcasts 100 - Apply for This $1000 EASY, NO ESSAY Scholarship Around Your Hectic Schedule on Apple Podcasts 146 - This New Year's resolution has me on track to become a millionaire! Only takes 20 mins a week (: on Apple Podcasts   ** Find God's Path for College and Graduate Loan and Debt-Free **   Do you want guidance on where to go and what to study… wonder if you should change majors? Do you find yourself up late at night searching for scholarships, and ways to pay for college without parental help? Do you wake up worried about everything, and just want to make sure you're following God's plan for your life?   In this podcast for Christian college girls, you will learn to find GOD'S path for your college journey, and graduate with no loans or debt!   I get it! It is so tough doing things the world‘s way, when everybody else is doing life without God and in their own strength, making poor choices, and taking out loans. So, if you're ready to stop dreading making decisions, and find EASY solutions to help you pay for college while following His path for your life, this podcast is for you!   Hey there! I'm Kara Walker, a twenty-something entrepreneur, amateur snowboarder, recovering over-achiever, and debt-free college graduate. In college, I too was a stressed college student, looking for money and mental peace. I wondered if there were other ways to pay for college besides loans, and wished for clear direction on how to make college and career decisions! Not only was I worried about drowning in debt, but also afraid I hadn't heard Jesus correctly. Was I studying the wrong thing? Was I completely off track?   I felt semi-out of control and was spiraling, until I learned how to hear from God and follow His direction. He guided me and gave me the stepping stones to pay for college.  Scholarships, grants, testing out of classes, and other weird school hacks got me through debt-free!   And, I'm here to teach you HOW to do this, too.   If you are ready to find answers about your future, have an intimate and fruitful relationship with Jesus, and have enough money to KILL it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   In this episode: Scholarships, Student Loans, Christian College Girls, Pay for College, Dave Ramsey, College Major, Declare Major, Student Loan Forgiveness, Federal Student Loans, Debt-Free College Coach, College Financial Strategist, College Money Mentor, College Budget, Scholarship Coach, Debt-Free Degree, budgeting, living expenses, test out of classes, CLEP, DSST, university, school, academic, student, campus, collegiate, academia, degree, graduate, semester, tuition, cash, funds, money, money management  

Don't have enough $ for school and parents are unable to pay for it? I get it, because I WAS IN THE SAME BOAT! We all know about scholarships, but today I mention 4 other ways that you can ease the financial burden on your quest to graduate debt-free (besides scholarships)!! LET'S GOOOOOOO! Also, join me on... ~ Facebook: Christian College Girl Community ~ Scholarships & Graduate Debt-Free | Facebook ~ Instagram: @moneyandmentalpeace ~ Email: info@moneyandmentalpeace.com Related episodes: 203 - 5 Tips to Find an Extra $2200 in Your College Budget! 169 - 5 Tips To Save $400 on Coffee in College (Dave Ramsey Approved!!!) 147 - Devos: Feel More Present with God and See His Clear Guidance, Even When You Feel Small and Confused! 2 - How I Earned a Degree for $1200! Colleges Don't Want You to Know This Best-Kept Secret     ** Find God's Path for College and Graduate Loan and Debt-Free ** Keywords: Scholarships, Budget Tips, Goals, Jobs for College Students, Time Management   Do you want guidance on where to go and what to study… wonder if you should change majors? Do you find yourself up late at night searching for scholarships, and ways to pay for college without parental help? Do you wake up worried about everything, and just want to make sure you're following God's plan for your life?   In this podcast for Christian college girls, you will learn to find GOD'S path for your college journey, and graduate with no loans or debt!   I get it! It is so tough doing things the world‘s way, when everybody else is doing life without God and in their own strength, making poor choices, and taking out loans. So, if you're ready to stop dreading making decisions, and find EASY solutions to help you pay for college while following His path for your life, this podcast is for you!   Hey there! I'm Kara Walker, a twenty-something entrepreneur, amateur snowboarder, recovering over-achiever, and debt-free college graduate. In college, I too was a stressed college student, looking for money and mental peace. I wondered if there were other ways to pay for college besides loans, and wished for clear direction on how to make college and career decisions! Not only was I worried about drowning in debt, but also afraid I hadn't heard Jesus correctly. Was I studying the wrong thing? Was I completely off track?   I felt semi-out of control and was spiraling, until I learned how to hear from God and follow His direction. He guided me and gave me the stepping stones to pay for college.  Scholarships, grants, testing out of classes, and other weird school hacks got me through debt-free!   And, I'm here to teach you HOW to do this, too.   If you are ready to find answers about your future, have an intimate and fruitful relationship with Jesus, and have enough money to KILL it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace. Topics mentioned in this episode: budgeting, living expenses, test out of classes, CLEP, DSST, university, school, academic, student, campus, collegiate, academia, degree, graduate, semester, tuition, cash, funds, money, money management

Overwhelmed thinking about how to pay for college for your student?  Fear not, Kara Walker is joining us on the podcast today to talk all about how she went to college debt free and how your child can too! Kara Walker is a twenty-something Christian entrepreneur, amateur snowboarder, recovering over-achiever, and debt-free college graduate. She loves budgeting, goal-setting, and living a debt-free lifestyle, and wants to help you do the same! You can listen to her podcast here:   https://podcasts.apple.com/us/podcast/money-and-mental-peace-scholarships-budget-tips-goals/id1602608122   You can connect with Kara here: Instagram --＞ @moneyandmentalpeace - https://www.instagram.com/moneyandmentalpeace/  Facebook --＞  Christian College Girl Community - Scholarships & Graduate Debt-Free - https://www.facebook.com/groups/734349047530666 Connect --＞ info@moneyandmentalpeace.com Website --＞  https://moneyandmentalpeace.com/ My course The Debt-Free College Blueprint --＞  debtfreecollegeblueprint.com   Mentioned in this episode: College Level Examination Programs (CLEP tests) https://clep.collegeboard.org/clep-exams Getting Reimbursed for CLEP tests: https://modernstates.org/test-center-reimbursement/ Not just for homeschooling! https://homeschoolingforcollegecredit.com/2019/01/29/take-a-clep-for-free/ Tips: Look for scholarships in concentric circles.  Start close to home.  Does your company or your spouse's company offer college scholarships? Your church? Your own high school? Clubs within your community? Your bank? Your community college?  Many scholarships will come directly from the university.  Remember that what they offer is just the tip of the ice berg.  Dive further into your course of study or any endowment scholarships that the school may offer.  Never stop asking.  Each year into college may bring new opportunities for which your child now qualifies.   Overall tip: Parent the child in the way they should go and don't stress too much about perfect SAT's or GPA or high school resume.  If you don't have any money saved for your child's education, you can still help them by allowing them to live with you, feeding them, and simply encouraging them to be the person God has called them to be.  With a debt free degree, their future has unlimited possibilities! To work with Kara Walker, please contact her here:   To work 1:1 with me in-person decluttering, virtual decluttering, meal planning or budgeting, please email Gina Morton at: tightshipmama@gmail.com to schedule your complimentary half hour discovery call.  

Today we have a very special edition of Your Daily Scholarship. Brian and Shanna Tvenstrup are the parents of 4 children, all of whom either have, or are on track to graduate from college debt-free. The debt-free college path that Brian and Shanna laid out for their kids is very different than the one traveled by my family. However, I think it's important to learn that there are many ways to earn a debt-free college degree, and my focus on using a combination of both private and institutional scholarships is just one way to reach that goal. I was also struck by the fact that, while the tools that Brian and Shanna used were different than the ones that I primarily discuss, their path still aligned with my 5 Pillars of a Winning Scholarship methodology. Brian and Shanna are impressive and delightful people, and I think their story is inspiring.   Link to items discussed in this episode: “Economics in One Lesson” by Henry Hazlitt Khan Academy CLEP: Link to a CLEP preparation resource: http://www.free-clep-prep.com/Spanish-Language-CLEP.html Coca-Cola Scholarship (All students enrolled in my Class of 2024 Scholarship Coaching program receive in-depth one-on-one coaching for this, and many other high-dollar scholarships. Email me at Dave@NoDebtCollege.com to learn more.) Florida's Bright Futures Program Sign up for my newsletter to receive your FREE copy of The Five Pillars of a Winning Scholarship Application.  

We hear from Susan, a parent who, after the rigamarole of homeschool college applications, had a few questions and some tips for other parents. When should students enroll in a program outside of homeschooling? How do colleges look at GPAs ... Read More » The post 463: Homeschooling, Dual-Enrollment, CLEP/IB/AP-credits, and College: What You Need to Know appeared first on The College Prep Podcast.

We hear from Susan, a parent who, after the rigamarole of homeschool college applications, had a few questions and some tips for other parents. When should students enroll in a program outside of homeschooling? How do colleges look at GPAs ... Read More » The post 463: Homeschooling, Dual-Enrollment, CLEP/IB/AP-credits, and College: What You Need to Know appeared first on The College Prep Podcast.

Ep 52: "Access To Learn" with Mason AksamitAccess To Learn:"Finding An Alternative To The Student Debt Crisis"This week we talk with actor, filmmaker, and writer Mason Aksamit.We talk about CLEP and DSST exams which could help solve the student debt crisis. You can find Mason here:Email: MasonAksamit@yahoo.comBook: AmazonYoutube: Mason AksamitInstagram: @mason.aksamitTikTok: @masonaksamit_________Brought to you by Papercraft Miracles: https://www.papercraftmiracles.com​​​Music provided by Birocratic: http://www.birocratic.bandcamp.com​​​Support the show http://www.patreon.com/reachthestarsSupport the show

In this episode you will hear:   Mark shares one big announcement this week from the state of Maryland.   Interview David Vise, Executive Director of Modernstates.org   Part 3 Preview   Dave explains where the funding for Modern States is coming from Dave gives step by step detailed description of how you sign up all the way to how you get actual college credit for the courses Dave goes on the hot seat     Please send in your questions either on Twitter at @YCBKpodcast using the Messages tab (this is our preference) or via email at for the 25 admissions interviews we are doing in the summer and fall. Our interviews are with the following people at the following schools: Confirmed interviews not yet completed Bard-Mackie Siebens Mercer-Kelly Holloway Oregon State-Jon Boeckenstadt (Interview about a range of admission topics)-July 19th Reed-Milyon Truelove- Rice University-Tamara Siler St Johns College-Benjamin Baum-This interview is on June 8th American University-Andrea Felder Texas Christian University (TCU)-Heath Einstein-This interview is on July 6th Pitzer College-Yvonne Berumen Chapman University-Marcela Meija-Martinez Connecticut College-Andy Strickler* Trinity College-Anthony Berry* Trinity University-Justin Doty-(interview about athletic recruitment process for DIII schools)-July 15th College of the Atlantic-Heather Albert* Spelman College-Chelsea Holley* Scripps College-Victoria Romero* Saint Louis University-Daniel Wood-(Interview is about transfer admissions, Daniel is a transfer counselor) University of Connecticut-Vern Granger* Colby College-Randi Arsenault* Hamilton College-Peaches Valdes* University of Georgia-David Graves* Washington University St Louis-Ronne Turner University of Delaware-Darrell Edmonds   To sign up to receive Your College-Bound Kid PLUS, our free quarterly admissions deep-dive, delivered directly to your email four times a year, just go to yourcollegeboundkid.com, and you will see the sign up on the right side of the page under “the Listen to our podcast icons”   Follow Mark Stucker on Twitter to get breaking college admission news,  and updates about the podcast before they go live. You can ask questions on Twitter that he will answer them on the podcast. Mark will also share additional hot topics in the news and breaking news on this Twitter feed. Twitter message is also the preferred way to ask questions for our podcast:   https://twitter.com/YCBKpodcast   To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ Find the specific episode transcripts for the one you want to search and click the link Find the magnifying glass icon in blue (search feature) and click it Enter whatever word you want to search. I.e. Loans Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps Click the word highlighted in yellow and the player will play the episode from that starting point You can also download the entire podcast as a transcript   We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK.   Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast.   Don't forget to send your questions related to any and every facet of the college process to: questions@yourcollegeboundkid.com.   If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful!   If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live.   Check out the college admissions books Mark recommends:   Check out the college websites Mark recommends:   If you want to have some input about what you like and what you recommend we change about our podcast, please complete our Podcast survey; here is the link:     If you want a college consultation with Mark or Lisa, just text Mark at 404-664-4340 or email Lisa at lisa@schoolmatch4u.com. All they ask is that you review their services on their website before the complimentary session. Their counseling website is: https://schoolmatch4u.com/

In this episode you will hear:     Mark shares several announcements about major developments in Higher Education Mark takes 10 minutes to survey the college landscape and look at which colleges will require test scores, which colleges are test-optional and which courses are test-blind for 2023   Interview David Vise, Executive Director of Modernstates.org Part 2 Preview   Dave gives tips for students to do well on CLEP courses Dave explains why so few people have heard of CLEP Dave explains all of the different groups that Modern states is good for Dave talks about the alliances with non-profits and corporations they have Dave explains how CLEP courses are different than MOOCs     Please send in your questions either on Twitter at @YCBKpodcast using the Messages tab (this is our preference) or via email at for the 25 admissions interviews we are doing in the summer and fall. Our interviews are with the following people at the following schools: Confirmed interviews not yet completed Bard-Mackie Siebens Mercer-Kelly Holloway Oregon State-Jon Boeckenstadt (Interview about a range of admission topics)-July 19th Reed-Milyon Truelove- Rice University-Tamara Siler St Johns College-Benjamin Baum-This interview is on June 8th American University-Andrea Felder Texas Christian University (TCU)-Heath Einstein-This interview is on July 6th Pitzer College-Yvonne Berumen Chapman University-Marcela Meija-Martinez Connecticut College-Andy Strickler* Trinity College-Anthony Berry* Trinity University-Justin Doty-(interview about athletic recruitment process for DIII schools)-July 15th College of the Atlantic-Heather Albert* Spelman College-Chelsea Holley* Scripps College-Victoria Romero* Saint Louis University-Daniel Wood-(Interview is about transfer admissions, Daniel is a transfer counselor) University of Connecticut-Vern Granger* Colby College-Randi Arsenault* Hamilton College-Peaches Valdes* University of Georgia-David Graves* Washington University St Louis-Ronne Turner University of Delaware-Darrell Edmonds   To sign up to receive Your College-Bound Kid PLUS, our free quarterly admissions deep-dive, delivered directly to your email four times a year, just go to yourcollegeboundkid.com, and you will see the sign up on the right side of the page under “the Listen to our podcast icons”   Follow Mark Stucker on Twitter to get breaking college admission news,  and updates about the podcast before they go live. You can ask questions on Twitter that he will answer them on the podcast. Mark will also share additional hot topics in the news and breaking news on this Twitter feed. Twitter message is also the preferred way to ask questions for our podcast:   https://twitter.com/YCBKpodcast   To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ Find the specific episode transcripts for the one you want to search and click the link Find the magnifying glass icon in blue (search feature) and click it Enter whatever word you want to search. I.e. Loans Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps Click the word highlighted in yellow and the player will play the episode from that starting point You can also download the entire podcast as a transcript   We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK.   Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast.   Don't forget to send your questions related to any and every facet of the college process to: questions@yourcollegeboundkid.com.   If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful!   If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live.   Check out the college admissions books Mark recommends:   Check out the college websites Mark recommends:   If you want to have some input about what you like and what you recommend we change about our podcast, please complete our Podcast survey; here is the link:     If you want a college consultation with Mark or Lisa, just text Mark at 404-664-4340 or email Lisa at lisa@schoolmatch4u.com. All they ask is that you review their services on their website before the complimentary session. Their counseling website is: https://schoolmatch4u.com/

In this episode you will hear:   Mark shares several announcements about major developments in Higher Education   Interview David Vise, Executive Director of Modernstates.org Part 1 Preview   David gives his backstory Dave tells us what a CLEP exam is He tells us who CLEP courses are for Dave explains how CLEP is different from AP Dave shares how high schools and colleges and HBCUs are using Modern States Dave explains what the difference is between Modern States and CLEP     Please send in your questions either on Twitter at @YCBKpodcast using the Messages tab (this is our preference) or via email at for the 25 admissions interviews we are doing in the summer and fall. Our interviews are with the following people at the following schools: Confirmed interviews Bard-Mackie Siebens Mercer-Kelly Holloway Oregon State-Jon Boeckenstadt (Interview about a range of admission topics)-July 19th Reed-Milyon Truelove- Rice University-Tamara Siler St Johns College-Benjamin Baum-This interview is on June 8th University Pittsburgh-Tom Becker- American University-Andrea Felder Texas Christian University (TCU)-Heath Einstein-This interview is on July 6th Michigan State University-John Ambrose-This interview is on June 10th Pitzer College-Yvonne Berumen Chapman University-Marcela Meija-Martinez Connecticut College-Andy Strickler* Trinity College-Anthony Berry* Trinity University-Justin Doty-(interview about athletic recruitment process for DIII schools)-July 15th College of the Atlantic-Heather Albert* Spelman College-Chelsea Holley* Scripps College-Victoria Romero* Saint Louis University-Daniel Wood-(Interview is about transfer admissions, Daniel is a transfer counselor) University of Connecticut-Vern Granger* Colby College-Randi Arsenault* Hamilton College-Peaches Valdes* University of Georgia-David Graves* Washington University St Louis-Ronne Turner University of Rochester-Robert Alexander* University of Delaware-Darrell Edmonds       To sign up to receive Your College-Bound Kid PLUS, our free quarterly admissions deep-dive, delivered directly to your email four times a year, just go to yourcollegeboundkid.com, and you will see the sign up on the right side of the page under “the Listen to our podcast icons”   Follow Mark Stucker on Twitter to get breaking college admission news,  and updates about the podcast before they go live. You can ask questions on Twitter that he will answer them on the podcast. Mark will also share additional hot topics in the news and breaking news on this Twitter feed. Twitter message is also the preferred way to ask questions for our podcast:   https://twitter.com/YCBKpodcast   To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ Find the specific episode transcripts for the one you want to search and click the link Find the magnifying glass icon in blue (search feature) and click it Enter whatever word you want to search. I.e. Loans Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps Click the word highlighted in yellow and the player will play the episode from that starting point You can also download the entire podcast as a transcript   We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK.   Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast.   Don't forget to send your questions related to any and every facet of the college process to: questions@yourcollegeboundkid.com.   If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful!   If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live.   Check out the college admissions books Mark recommends:   Check out the college websites Mark recommends:   If you want to have some input about what you like and what you recommend we change about our podcast, please complete our Podcast survey; here is the link:     If you want a college consultation with Mark or Lisa, just text Mark at 404-664-4340 or email Lisa at lisa@schoolmatch4u.com. All they ask is that you review their services on their website before the complimentary session. Their counseling website is: https://schoolmatch4u.com/

Freshman year for free….what's the catch? You'll be delighted to find there's no catch! Pulitzer Prize winner David Vise shares how Modern States Education Alliance's free program has saved college students over 75 million dollars in tuition. Modern States quality courses are taught by college professors and coupled with CLEP exams. David's asserts this actually an easier path to college credit while in high school than AP courses and exams. With most high schools charging for AP courses and exams, it's also less expensive! Your student can start as early as 9th grade while also reinforcing their high school course curriculum. As Lisa points out, this is like built-in free tutoring for students!  While the intent of Modern States is to increase access and affordability of higher education, it also provides your student with the opportunity to curate their experiences around their schedule and interests. Highlights Different paths to college credit during high schoolWhat CLEP exams are and how they compare to AP examsHow some students can get freshman year for freeHow Modern States courses help build a resume, demonstrate intellectual curiosity, and lead to college major-career clarityMeet Our GuestDavid Vise is the executive director of Modern States Education Alliance, a philanthropy dedicated to making college more accessible and affordable for all.A Pulitzer Prize-winner, Vise spent more than 20 years as a reporter at The Washington Post. He is the author of four books, including The Google Story, a national bestseller published in more than two dozen languages.Vise received his MBA from The Wharton School of the University of Pennsylvania, where he is included on a list of 125 most influential alumni. He serves as a senior advisor at New Mountain Capital.Listen on…the Flourish Site, Spotify, Apple, Google, Amazon Music, Stitcher, or your favorite platform. Links mentioned in this episodeLaunch College & Career Clarity CourseLaunch College and Career Clarity Facebook CommunityModern States FacebookModern States Twitter Modern States InstagramIn September, I'm hosting my complimentary parent masterclass, four common mistakes to avoid when choosing a college major. This is the final time this year it will be offered. Join me to identify the four mistakes strategies to avoid them and the proven path to picking a major on time without limiting options. Go to flourishcoaching co.com to learn more, or grab your spot. I'll see you soon. Join me in my complimentary September masterclass 4 common mistakes to avoid when choosing college major. I'll help your team get on the path to making informed choices that open doors as well as saving your family both time & money. For anyone who attends live, I have a special template that will empower your team when communicating with colleges. Visit flourishcoachingco.com to grab a spot before the opportunity is gone.

Pulitzer Prize-winner and Executive Director of Modern States, David Vise, joins Naka in a captivating episode discussing how students can take advantage of a lesser-known College Board test that has been around for over 50 years to gain college credit early and save THOUSANDS of dollars in tuition! The CLEP exam (College-Level Examination Program) is a series of over 30  Pass/Fail tests that ANYONE in pursuit of a degree can take. With a passing score of over 50%, students can gain college credit for entry-level college classes that can be transferred to over 3,000 public universities. Consequently, David saw this as an opportunity to address the largest financial burden in the United States: The College Debt Crisis. Since the CLEP tests are based on getting credits for "what you know," Modern States flipped the model to getting credits for 'what you can learn.' Through its partnerships with organizations such as the Carnegie Foundation and nationally recognized professors, Modern States has been able to provide free online classes to prepare students of all backgrounds and education levels to gain the knowledge needed to pass the CLEP, earn college credit, save money, and graduate early...all for free! Discussions include the national debt crisis, the confidence students gain for college by passing the CLEP, and how to strategize your CLEP tests to back up any difficult AP?IB tests!Our Guest: David Vise is a Pulitzer Prize-winning reporter who worked at The Washington Post for 23 years. He is the author of four books, including The Google Story, published in more than 25 languages. David received his undergraduate degree and MBA from The Wharton School of University of Pennsylvania and serves as a Senior Advisor at New Mountain Capital.Show Notes:MODERNSTATES.ORGPreppedpodcast.com