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Getting an Education

KPK-govt-again-leads-in-education-over-other-provincesEveryone agrees, well almost everyone, getting an education is important. Many will add that getting a “good” education is more desirable than a “bad” education.

People do get bad educations, but it is not in schools and colleges.

The circumstances of life can lead to a failure in getting a poor education.

Actually, the saying should be that “getting educated” is vital to a good life. Many people get college degrees in subjects that might be interesting.

However, some courses prove to be of little use in the real world. There are exceptions. If a person plans a career in academia, where these courses are taught will prove to be useful. There is nothing wrong with that. Great ideas and discoveries have come from people who pursue that academic path. Everyone is not suited for that. We learn in grade school. High school and college are part of the classic education.

Getting educated is the real key to success. Getting educated is about how to manage money, live within your means, and spending weekends with your wife, and children is more important than playing golf for two days. Maybe you find golf relaxing, but there is no rule that says how much time you need to you need to relax.

Everyone is entitled to their down time, whether it’s watching televisions, playing golf, reading, or working in the garden.

When a person gets an education, he learns courses that are useful, such as math, sciences, English, geography and the other courses. Some people are exposed to a second language and have no trouble grasping it. The rest of us did our best to stay fluent in English.

Thus, there are two things you need. You need a formal education to learn the basic courses already named. A college education is important because it can, if approached in correctly, prepare you for your chosen career. You may find your first choice, was not the best decision.

That possibly mean taking some additional courses or finding a way of adapting what you have already d to another field. That The next thing is getting educated—recognizing that things change. A good number of college students will change their major during the first year or two. That should not disappoint parents. It means the student has recognized his real interests and abilities. Therefore, getting education, before getting an education has help to make a vital decision.

Making that decision is part of also the getting educated process. Thus, the term “getting educated,” means learning about yourself and the environment in which you live. Ultimately, it is learning to set a series of goals that you will try to meet over time.

As these goals are met, your overall knowledge increases. Thus “getting educated” never stops. You are always learning something new.

Buying Your Own Home

buy-homeBuying your own home, instead of renting a house or apartment, will be one of the best investments you will ever make.

There are a number of business reasons to consider:

1. The interest paid on the mortgage is tax deductible, so your income taxes will be lower.

2. Homes generally increase in value. There have been exceptions to this rule
over the past few years, but if you buy within your financial means and do not
expect a quick turnaround, then your investment will increase.

3. Making the monthly mortgage payments on time goes to improve or to keep your credit score at a good level.

4. You will pay some type of property taxes, depending on where you live, but that is tax deductible.

5. It is your home. You can hang pictures where you want. Pick out your own
curtains, carpets, etc. You are not limited by a list of landlord rules.

However, your own home becomes part of the family. In fact, it is a focal point for the family. It becomes an almost priceless family heirloom. It is will be the central meeting point for all members of the family, even as children grow up and move away.

The garage and attic will soon be filled with items some would call junk. They are treasures. Your collection of Christmas ornaments is probably in the attic, as is the framed picture someone gave you, which you cannot stand, but hang when the giver is coming for a visit.

It is a source of memories and somewhat sad thoughts about the future. What will the parents do when all the children grow up, get married and have their own children? Your home will no longer be the central meeting place. The children have moved not only out of the house, but out of the state.

As you get older, you know you need something smaller. However, the thought of leaving the house with so many memories can be heart breaking.

Thus, you have two plans of action that you must consider.

The first is how you are going to save enough for a down payment so you can buy a house. The second is how you are going to dispose of all the items accumulated and ultimately, the house.

Saving for a down payment is easy. You just save your money and remain diligent about putting it aside. Keep the car for six years and not five. Skip the fancy vacations. The savings will accumulate quicker than you think.

If you are just now buying a house, make the assumption you will have a long and fulfilling life and will raise your children well. When you are gone, let them deal with disposing of all the stuff that was accumulated over the years. That will take care of the second plan you had to make. Just make sure everyone knows where you put the important papers.