Archive for the Unemployment Illinois category

Community Colleges Now Offering Four-Year Degrees

Posted under Unemployment Illinois by admin on October 18th, 2009 8:38 pm

In this still-uncertain economy that remains rife with unemployment, hundreds of thousands of out-of-work blue- and white-collar professionals, competing for scarce available jobs, find themselves faced with the need to further their training, expand their skill sets, or in some cases change career paths altogether. Many are going back to school, some to obtain their first college degree, others to get an additional or more advanced degree that could give their résumé a much-needed competitive edge in a crowded marketplace.

Demand for the Convenience of Online College Degrees …

In recent years, many “non-traditional” students who aren’t able to attend classes on the conventional resident college student’s full-time schedule — working parents, returning older students, students holding down a part-time or full-time job — have gravitated toward online degree programs that allow students to work toward their college degrees from home (or anywhere with a computer and an Internet connection) and at their own hours. As accredited online colleges and programs have proliferated, so have the number of students pursuing online college degrees.

These online college degrees, however, can often be pricey, requiring many students to take out a significant amount of money in student loans and private student loans. And some online universities have continued to offer only associate degrees and certificate programs, no bachelor’s or advanced degrees. As competition for jobs has intensified in a shrinking economy, many job-seeking professionals have found that their two-year college degree is going up against four-year and professional college degrees.

… and Demand for the Lower Costs of Community College Programs

Community colleges have traditionally offered lower-income and non-traditional students a lower-priced, commuter-friendly, and part-time alternative to pricier online college degrees and full-time four-year colleges and universities. But the two-year community college degree has posed the same drawbacks as two-year online college degrees: When going up against four-year degrees in a job search, two-year degrees simply aren’t as competitive.

Four-Year Community Colleges Offer a Cost-Convenience Solution

Now, however, students are finding a growing number of four-year degree options at community colleges. As more community colleges respond to increased student demand for affordable higher education, expanding their programs to include four-year bachelor’s degrees and applied baccalaureate degrees, new and returning students are increasingly able to obtain the academic pedigree of a four-year degree with much of the flexibility offered by online college degree programs but at the lower cost of a community college education.

Bachelor’s Degree Programs at Community Colleges Expanding

Florida currently leads the nation with 14 community colleges authorized to award bachelor’s degrees, reports The New York Times, with 12 schools already having done so, in fields including fire safety management and veterinary technology (“Community Colleges Challenge Hierarchy With 4-Year Degrees,” May 2, 2009). Nationwide, 17 states, including Nevada, Texas, and Washington, have granted community colleges the authority to award associate and bachelor’s degrees.

In some states, community colleges have even become four-year institutions in order to facilitate their new longer programs. At Miami Dade College in Florida — formerly known as Miami Dade Community College — more than 1,000 students are currently enrolled in the school’s bachelor degree programs. The average age of these students is 33.

LaKisha Coleman, a Miami Dade student who will graduate with a college degree in public safety management this spring, recommends the school to family members for its advantages over a traditional four-year degree program at a state or private university.

“It’s much cheaper, the teachers are good, you can do it in the evening while you work, and everyone’s very helpful,” Coleman told The New York Times.

Applied Baccalaureate Degrees Another Burgeoning Community College Offering

In the current economy, at a time when students have fewer financial resources to cover their college costs and job prospects are uncertain, the applied baccalaureate degree is becoming a popular option for students, says Debra Bragg, the director of the Forum on the Future of Public Education at the University of Illinois at Urbana-Champaign.

Usually focusing on applied academics or applied sciences and technologies, an applied baccalaureate degree is a four-year bachelor’s degree that may be earned at both two- and four-year institutions, including technical colleges and community colleges. Unlike bachelor’s degrees at some conventional four-year universities, however, the applied baccalaureate degree counts technical and associate degree–level courses as degree credits, allowing community college students to keep their course costs low and minimize their need for student loans or other financial aid.

“Applied baccalaureate degree programs at community colleges can be used by students looking for a career that is emerging, or for adults who have earned college credits in the past and are looking to re-enter college, often to advance their careers to a supervisory level,” Bragg explains.

Since 2000, the number of states offering an applied baccalaureate degree has doubled, reports the University of Illinois. Currently, 39 states offer the degree.

The applied “real-world” focus of applied baccalaureate programs and coursework is aimed at grooming students to fill projected workforce needs in areas of the country where large concentrations of jobs have been lost due to outsourcing, a shrinking manufacturing base, or a shift in local industry.

“An applied baccalaureate degree represents a viable pathway for someone who previously hadn’t thought about earning a bachelor’s degree,” says Bragg, “but now sees it as a necessary step to getting and keeping a good job with benefits.”

In Tough Economic Times – We Can Make It!

Posted under Unemployment Illinois by admin on October 5th, 2009 3:57 pm

We all know that we are in very tough economic times. It is affecting everyone of us, either personally or through someone we immediatley know. You do not have to reach far to touch the current crisis. The President has a lot of planes to land as he said in an interview with Jim Leher. It will not be easy. While he is trying to do that let us begin landing our own planes….

A few quotes I want to share:

WASHINGTON – Congressional Republicans on Sunday predicted a doomsday scenario of crushing debt and eventual federal bankruptcy if President Barack Obama’s massive spending blueprint wins passage.

“The practical implications of this is bankruptcy for the United States,” said Sen. Judd Gregg, R-N.H. “There’s no other way around it. If we maintain the proposals which are in this budget over the 10-year period that this budget covers, this country will go bankrupt. People will not buy our debt; our dollar will become devalued.” By PHILIP ELLIOTT, Associated Press Writer

“No plan is perfect,” Mr. Obama said. “And I can’t stand here and promise you that not one single dollar will slip through the cracks, but what I can promise you is that we will do everything in our power to prevent that from happening.” By JEFF ZELENY

With the recent events of the AIG bonuses, the attitude of the American public has grown more bitter and concerned as to the real benefit of all this bailout money and how it is going to affect all of us taxpayers. People are getting restless and weary!

In the world of economics, a recession is a general slowdown in the economy of a country over a sustained period of time. Such things measured as employment, investment spending, capacity utilization, household incomes and other business profits all fall during recessions, as well as stocks.

The current recession is seeing private consumption fall for the first time in nearly 20 years. This indicates the depth and severity of the current recession. Consumer confidence is at an all time low, and any recovery will take some time. Consumers in the U.S. have been hard hit by the current recession, with the value of their houses dropping and retirement destroyed on the stock market. Not only have consumers watched their wealth dwindle away, but, they are also now fearing for their jobs as unemployment rises.

Unemployment Rates by % – Via CNNMoney.com

51 MICHIGAN 9.6

50 RHODE ISLAND 9.3

48 CALIFORNIA 8.4

48 SOUTH CAROLINA 8.4

47 OREGON 8.1

45 DISTRICT OF COLUMBIA 8

45 NEVADA 8

44 NORTH CAROLINA 7.9

43 GEORGIA 7.5

39 ALASKA 7.3

39 FLORIDA 7.3

39 ILLINOIS 7.3

39 OHIO 7.3

38 MISSISSIPPI 7.2

37 INDIANA 7.1

36 KENTUCKY 7

35 TENNESSEE 6.9

34 MISSOURI 6.7

33 CONNECTICUT 6.6

31 MINNESOTA 6.4

31 WASHINGTON 6.4

29 ARIZONA 6.3

29 MAINE 6.3

25 ALABAMA 6.1

25 NEW JERSEY 6.1

25 NEW YORK 6.1

25 PENNSYLVANIA 6.1

24 MASSACHUSETTS 5.9

23 COLORADO 5.8

19 ARKANSAS 5.7

19 IDAHO 5.7

19 TEXAS 5.7

19 VERMONT 5.7

17 DELAWARE 5.6

17 WISCONSIN 5.6

15 LOUISIANA 5.3

15 MARYLAND 5.3

12 HAWAII 4.9

12 KANSAS 4.9

12 MONTANA 4.9

11 VIRGINIA 4.8

10 OKLAHOMA 4.7

9 WEST VIRGINIA 4.6

6 IOWA 4.3

6 NEW HAMPSHIRE 4.3

6 NEW MEXICO 4.3

4 NEBRASKA 3.7

4 UTAH 3.7

3 SOUTH DAKOTA 3.4

2 NORTH DAKOTA 3.3

1 WYOMING 3.2

Something can be done if we keep our eyes and our ears opened, and begin to be awre of what is happening around us. Do not take anything for granted. Understand the current situation, and what it means to you and how it will affect you and has, then, search for a resource, of both information and revenue to get to where you want to go.

It is hard to see people losing their homes and 401k retirement plans. Friends, family, who have worked so long, so hard. We are aimed at doing something to help, and to do so immediately, – even if it is just a prayer, or a kind word in your direction…..

Where to Get Low Cost Health Insurance in Illinois

Posted under Unemployment Illinois by admin on September 19th, 2009 3:22 pm

In Illinois, 1.4 million adults do not have health insurance. And this number is expected to rise as insurance costs go up and businesses reduce or drop insurance benefits. So where can you find low cost health insurance in Illinois?

Explore Your Options

Many Illinois residents are fortunate enough to get adequate health insurance through their employers. However, if you’re unemployed or your company doesn’t offer health insurance you can still get coverage:

* If you left a job that offered health insurance or your employer dropped your health insurance benefits, look into COBRA coverage. COBRA offers you coverage under your former employer’s health insurance plan for a few months at your own cost.

* Look into Illinois Covered, the state health insurance program. This program helps with health care and insurance costs for a variety of Illinoisans, including children, low-income residents, uninsured adults, businesses, and middle-class families.

* Group insurance from an organization. If you buy health insurance through an organization such as your college alumni group or a professional group, you may be able to qualify for a lower group rate.

* Buy an individual health insurance plan. This may be the most expensive option, but it also offers the most choices, as many types of individual plans are available: comprehensive coverage, major medical coverage, emergency coverage, short-term coverage, PPOs, HMOs, and POSs.

Finding a Low Cost Illinois Health Insurance Policy

If you decide to buy an individual health insurance plan, an insurance comparison website is the best place to find a low cost policy. On these sites you spend a few minutes completing a form with information about yourself and your health insurance needs. Once you complete the form you’ll receive health insurance quotes from multiple A-rated insurance companies.

The best websites also let you talk with insurance professionals via an online chat service so you can ask questions and make sure you get the best health insurance plan for you (see link below).

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get cheap Illinois health insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.