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Supplemental TopicsSupplemental TopicsChapter 1: Post-Secondary OptionsChapter 1: Post-Secondary Options
What NOW?What NOW?
Whether or not having a family is your goal, you should be considering the options available to you after you finish high school:
What are you considering after graduation??
Post-Secondary Options Post-Secondary Options Available to you:Available to you:
Marriage and Child Rearing
Retirement Higher Education
Junior College Community College 4 year college
Military Services Training Institutions Apprenticeship
Programs Work Unemployment
Higher EducationHigher Education
Pursuing you education beyond high school could mean that you will Go to junior college, community college, a four-
year college or university Engage in a self-study program
Can you name any colleges in Hawaii.
Community, Online, Universities, etc…
Community CollegesCommunity Colleges
Featured Community Colleges and Technological Schools University of Phoenix ITT Technical Institute The Art Institute – Online DeVry University
Hawaii Community Colleges and Tech. Schools
Golf Academy of Hawaii Hawaii Business College Hawaii Community College Hawaii Institute of Hair Design Hawaii Technology Institute Heald College-Honolulu Hollywood Beauty College Honolulu Community College Kapiolani Community College Kauai Community College Leeward Community College Maui Community College Med-Assist School of Hawaii Inc New York Technical Institute of Haw
aii
Travel Institute of the Pacific Windward Community College
Popular ChoicesPopular Choices Academy of Art University - Online Academy of Art University - San Francisco American InterContinental University Online Argosy University - Honolulu The Art Institute Online Ashford University - Clinton Ashford University - Online Baker College Online Berkeley College Online Boston University Online Boston University School of Music Brooks Institute of Photography Chamberlain College of Nursing Chicago School of Professional Psychology Colorado State University - Online MBA Colorado Technical University DeVry University Online eCornell Certificates Online Fielding Graduate University Florida Hospital College of Health Sciences Florida Metropolitan University Online Golden Gate University - Cybercampus Heald College - Honolulu High-Tech Institute Hofstra University - Online Computer Science Degree Indiana State University ITT Technical Institute - Online & Campus Jacksonville University - RN To BSN Online Jones International University Online
Kaplan University Keiser University Keller Graduate School of Management LA College International Online Liberty University Northeastern University - Online MBA Programs Portland State University Online Remington College - Honolulu San Joaquin Valley College South University Strayer University Online The College Network - Online Degrees & Certificates The George Washington University Tiffin University University of Florida - Doctor of Pharmacy University of Phoenix Hawaii Honolulu Kaneohe Kapolei Mililani Wailuku University of Phoenix Online Upper Iowa University Online Vaughn College of Aeronautics and Technology Walden University Warren National University Westwood College - Online
UniversitiesUniversities
Argosy University-Hawaii Campus Brigham Young University-Hawaii Chaminade University of Honolulu Hawai'i Theological Seminary Hawaii Business College Hawaii Pacific University Hawaii Technology Institute Heald College-Honolulu Institute of Clinical Acupuncture & Oriental Med New York Technical Institute of Hawaii Remington College-Honolulu Campus University of Hawaii at Hilo University of Hawaii at Manoa University of Hawaii System Office University of Hawaii-West Oahu University of Phoenix-Hawaii Campus World Medicine Institute
Military ServicesMilitary Services
Making the choice to enlist in the military is one that many choose. The opportunities available by serving in the military include: Travel Education – during and after Technical training Work Experience
Military BranchesMilitary Branches
The U.S. Army The Army National Guard The U.S. Navy The U.S. Air Force The U.S. Marine Corps The U.S. Coast Guard
The U.S. ArmyThe U.S. Army
The Army's mission is to protect the security of the United States and it's vital resources. The Army is constantly ready to defend American interests and the interests of our allies through land-based operations anywhere in the world. Today's "Army of Excellence" is a military force with 69,000 officers, 11,500 warrant officers and 450,000 enlisted soldiers. Army men and women work in a variety of jobs ranging from general administration to the operations and maintenance of the Army's many thousands of weapons, vehicles, aircraft carriers and technical electronic systems.
http://www.goarmy.com 1.800.USA.ARMY
The Army National GuardThe Army National Guard
The federal mission of the Army National Guard is to be prepared to be called to active duty as a reserve of the Army. The U.S. Constitution designates a second mission to each state's National Guard. That mission ensures that the Minnesota National Guard is organized to assist the Governor of Minnesota during times of natural or other state emergencies. Upon mobilization, the state Guard comes under the control of the Army. There are approximately 36,500 officers; 7,700 warrant officers and about 313,500 enlisted members.
http://www.1-800-GO-GUARD.com (Army National Guard)
http://www.MinnesotaNationalGuard.org (Minnesota National Guard)
1.800.GO.GUARD
The U.S. NavyThe U.S. Navy
The U.S. Navy plays an important role in helping to maintain the freedom of the United States. The Navy defends the right to travel and trade freely on the world's oceans and protects our country and national interested overseas during times of international conflict. The Navy is a large and diverse organization, consisting of 371,000 officers and enlisted members. Navy personnel operate and repair more than 320 ships and over 4,000 aircraft. They serve on ships at sea, on submarines under the sea, in aviation positions on land and sea and at shore bases around the world.
http://www.navy.com 1.800.USA.NAVY
The U.S. Air ForceThe U.S. Air Force
The U.S. Air Force defends the United States through control and exploitation of air and space. The Air Force flies and maintains aircraft, such as long-range bombers, supersonic fighters, Airborne Warning and Control System (AWACS) aircraft and many others to protect the interests of America and American allies. Almost 400,000 highly trained officers and airmen compose today's Air Force. The Air Force recruits approximately 30,000 to 40,000 men and women each year to fill openings in hundreds of Air Force careers.
http://www.airforce.com 1.800.423.USAF
The U.S. Marine CorpsThe U.S. Marine Corps
The U.S. Marine Corps has grown to become one of the most elite fighting forces in the world. Approximately 174,000 officers and enlisted Marines fly planes and helicopters, operate radar equipment, drive armored vehicles, and gather intelligence along with hundreds of other jobs. Each year, the Marine Corps recruit 41,000 men and women to fill job openings. Training programs offer challenging and progressive skill development with emphasis on the development of mental strength and physical prowess.
http://www.marines.com 1.800.MARINES
The U.S. Coast GuardThe U.S. Coast Guard
The U.S. Coast Guard mission is to protect America's coastlines and inland waterways by enforcing customs and fishing laws, combating drug smuggling, conducting search and rescue missions, maintaining light houses and promoting boat safety. The Coast Guard is part of the Department of Transportation and in times of war, may be commissioned to the Department of Defense under the command of the Navy. There are approximately 5,580 commissioned officers; 1,490 warrant officers and more than 27,130 enlisted members. Each year, the Coast Guard has opening for more than 4,000 men and women in a wide range of careers.
http://www.gocoastguard.com 1.800.424.8883
Military TriviaMilitary Trivia
What is the mission of: The U.S. Army (one treat) The Army National Guard (one treat) The U.S. Navy (one treat) The U.S. Air Force (one treat) The U.S. Marine Corps (one treat) The U.S. Coast Guard (one treat)
Training InstitutionsTraining Institutions
Training institutions are available in most communities. They include: Technical Schools Vocational Schools Proprietary Schools Public Employment and Training Services
Technical SchoolsTechnical Schools
Technical school is a general term used for two-year college which provide mostly employment-preparation skills for trained labor, such as welding, culinary arts and office management.
Vocational SchoolsVocational Schools
A vocational school, providing vocational education and also as referred to as a trade school or career college, and school is operated for the express purpose of giving its students the skills needed to perform a certain job or jobs. Traditionally, vocational schools have not existed to further education in the sense of liberal arts, but rather to teach only job-specific skills, and as such have been better considered to be institutions devoted to training, not education.
Proprietary SchoolsProprietary Schools
Proprietary colleges are American for-profit colleges and universities. They are operated by their owners or investors, rather than a not-for-profit institution, religious organization, or state or local government. Sometimes a proprietary college may also overlap with the sector of non-degree granting business colleges.
Apprenticeship ProgramsApprenticeship Programs
Apprenticeship programs gives you the opportunity to learn a skill while working. Many trade unions provide these programs
WorkWork
Some people choose to go right into the work force from high school. With limited skills and education they “work” their way and make a life for themselves. Many famous Americans have made this choice and succeeded.
Do you know someone who made this choice?
Marriage and Child RearingMarriage and Child Rearing
In your book… pg. 31In your book… pg. 31
Record the skills that it takes to manage a home and family
RetirementRetirement
Aaaaaah! Looking forward to the day when you can return and do all
those things you gave up for so long? Yes!
Are you planning for this time of your life? You may think that retirement is too far away to
worry about. Maybe it is for a person your age. However, it is smart to look ahead to retirement
and what it hold for you.
RetirementRetirement
At what age does the average American retire?
Think of some things you can do to prepare for your retirement.
Record your answers on page 32
Saving MoneySaving Money
Saving money, investing in mutual funds, stocks and bonds, contributing to an individual retirement account (IRA) or enrolling in work-related retirement programs are just a few of the thins you can start doing now, to prepare for the time when you choose not to work or cannot work!
With an IRA, the dividends your money earns continue to compound and are tax deferred until withdrawn at retirement.
In some cases, earnings may be withdrawn tax-free
Mind teaserMind teaser
If you put $20 a month in a tax-sheltered annuity starting at age 20 and continue to do so for 45 years – how much will you have?
Let’s see how much you will have saved if you get 5% interest per year on the $20 a month you have saved for 45 years.
Answer
Answer to #1Answer to #1
AnswerAnswer
When you consider compounding of the interest (when your interest earns interest), this works out to about $175,000.00
That sounds like a lot of money But for how long could you live on that
amount? Remember, you do have the benefit of
Social Security
Social SecuritySocial Security
Social SecuritySocial Security
Our government has a system which essentially forces you to plan for retirement – Social Security. Social Security provides a government – guaranteed lifetime stream of payments adjusted for inflation for retirees. Social Security protects against a variety of risks and disability that leads to lost earnings, the death of a working spouse, etc.
If you choose to work after you finish school, part of your wages will automatically be put into Social Security. You have no choice in the matter. It’s a government – regulated program. Your contribution depends upon how much you earn. Of your gross salary, 7.65% is deducted from your wages and your employer pays an equal amount! This goes into the Social Security Trust Fund.
How Much do you get? How Much do you get?
Your benefit rate depends on the amount of earnings reported for you. Right now, benefits payable to a retired worker who reaches 65 range from $500 to $1,000 a month. If you still have dependents, the rate increases
The laws governing Social Security and other retirement funds are very strict and complex. When the time comes, you will need a greater understanding of this process.
What you need to remember is – your quality of life at retirement is up to you – plan now.
