Why College Should Be Free Essay

Why College Should Be Free Essay

Introduction

College education has become a requirement in today’s society. And with a free college education, students would have time to educate themselves. The article entitled “should be free” states that “free college tuition should be given to students because it will assist students to concentrate on their studies” (Dynarski). They wouldn’t have to worry about their financial situation or other issues regarding their personal education. College education should be free because it decreases the student debt, allows more students to attend college and it will increase the educated population in the society.

Why College Education Should Be Free?

College education should be free for every student to follow and achieve their career passion. With a free college education, it would decrease the gap between rich and poor student. As poorer students would have equal and more opportunities to learn. Many states have developed free tuition programs for families with financial problems. According to the article entitled, “should college be free” exclaimed that, “free college education helps more members of racial and ethnic minorities to attend” (Dynarski). It helps them choose the major they want to learn and achieve their college education free of charge. There are a lot of jobs requiring a college degree and it made harder for those without higher education. “The economy also benefits from free education because It increases the pool of highly educated laborers” (Dynarski). It would expand higher educational benefits such as jobs and higher pay for the workers. Making college education free reduces the amount of student debt being carried over time.

Making college education free would allow a lot of students to focus on their education and their careers. It could also cost less on the current spending and could save millions in loan debt and grants. According to the article, “Make Public College Tuition-Free” (MPCTF), states that, “making college tuition-free would cost less than what we already spend on the patchwork of financial aid programs we currently support” (Bryant). Free college education might give a lot of people the chance to learn and give equal opportunities to students who can’t afford a college education. Many institutions are offering some form of free tuition and they trying to bring in more talented students with low income.

College education has become much more necessary than it was before to fill today’s role. It will boost the economy and produce a better-educated workforce to American economic growth and at the same time increase tax revenue. Additionally, if more people get more good jobs, it would reduce other forms of public assistance. With a free college education, the students’ debts would decrease as a lot of people are stressed over. However, a young woman said in the article entitled, “Students Call for a Debt-Free College” “Between my boyfriend and me, we’ll have $50,000 in debt,’ she said. ‘It’s like this looming problem over our heads, how are we going to afford this?” (Erickson). This explains that a lot of people are in their college debt. and how much they had to pay on their own. People get stuck in their college debt for the rest of their lives. According to the article “Free Higher Education is a Human Right” “the total student debt outstanding in this country is now $1.225 trillion. What’s more, that figure has risen by nearly $400 billion over the last four years, or nearly $100 billion a year” (Eskow). That means that every year the student debt crisis increases dramatically and will increase unless something is done about it.

Obviously, college education is expensive and it is not a right for everyone to experience college because free college education would increase the taxes. Making college education free will left a lot of students with burdens of high student fees. The article entitled, “Free higher education is a right” says “America’s colleges and universities are quietly shifting the burden of their big tuition increases onto low-income students, while many higher-income families are seeing their college costs rise more slowly, or even fall” (Eskow). This article explains that college education should be free to every student regardless of their race, background information, and their financials.

Subsidizing college tuition to zero has its own effects. With a free college education, people won’t value it. Getting a college education is a huge privilege that a student has to earn. In the article, “should college be free”, stated that, “students in the public school system will take free education for granted as though it were given.” (Dynarski). Some students might not want to go to college because they aren’t paying for anything and that it doesn’t value their time and money. The college institutions would need money to manage their financial problems and other school supplies. But with a free college education, there will be a more educated population and that would have economic and social benefits for the country.

Conclusion

College education should be free because of more people attending college, a more educated population and fewer student loans. It would give poor students the chance to learn and experience college. With a free college education, there will social and economic benefits fro the country. Students would be free to follow their passions and abilities. Some students won’t value-free education. Colleges would also need money to manage their financial problems. But free education began with pre-school and kindergarten and everyone deserves the opportunity to get free higher education.

Essay on Why Is a College Degree Important to Employers

Essay on Why Is a College Degree Important to Employers

In 2008 when the rate of employment rose by 10 percent (USLabor), the disparity between a college education and personal economic achievement became quite evident. In fact, during that time “… jobs requiring college degrees grew by 187,000” (ProCon.org). The recession issue impacted everyone who was seeking a job after high school graduation. In this case, a college degree becomes valuable when an individual realizes that they need a job to survive. A college education is a necessity for the current and future workforce, even though a college education is incredibly expensive, certain paths soon-to-be college students can take to lessen the financial burden. Some of the benefits are that earning a college degree increases future happiness, and self-esteem, it better career opportunities, and provides job security and satisfaction.

According to a large number of Americans who believe that a college education is not valuable, we should address this issue because our country saw its last deflation for nearly six years which makes it possible for us to be prepared for another downturn. College education protects people’s employment options. People who have survived the last recession without a college degree think that they can again. A college degree is worth any time when we try to find a job in today’s society. College can no longer be seen as a right or a choice but as a requirement. This is because most of the jobs that are generated in our community need higher education.

Therefore, Americans should remember the significant changes that the USA has gone through in higher education over recent decades. For example, “in 1980 only one in six Americans were college graduates, whereas today, seventy percent of all high school graduates go on to college” (Cassidy). Even though the expenses are growing every year the number of students going to a four-year college is still increasing because a college degree has become more important due to its opportunities and crucial effects on the development of new jobs for the United States’ economy. In other words, the demand for college jobs and the increased college attendance feed into each other and develop an economy that needs a higher-educated workforce (Cassidy). The challenge now is the prevailing outlook that many people think that college is not important depending on how things were in the past. It is the right time to start thinking of how the college advantages make up for the disadvantages.

Although the advantages are significantly higher than the disadvantages, some facts contradict the point of the value of a college diploma. Popular university withdraws like Mark Zuckerberg, Steve Jobs, and Bill Gates are examples that lead people to consider college worthless. People from all over the world look at these individuals that have a large influence on our lives and they start to believe that higher education does not secure you a better future. They started to think that there were better opportunities than entering a college. Some of them are; having the chance to become your supervisor, taking more time to do things that you love, and possibly influencing others. But such events are unusual because not everyone can be a genie and think about a billion-dollar idea. All three of those individuals were also accepted into prestigious schools and decided to drop out, in other words, they were already very intelligent, to begin with. These three are exceptions to the rule and they do not go against the general rule of thumb that college is a good investment for the average person. The unemployment rates in 2018 prove that people without a college degree have an unemployment rate of 3.8 %, while the ones who have a bachelor’s degree have an unemployment rate of 2.0% (bls.gov). It can be assumed that a college degree helps you to find good jobs and gives you higher chances to achieve success.

On the other hand, the relationship between college education and future success is becoming more apparent. Even though it is possible to find a job without having a college degree, one will find themselves self-limited to basic jobs such as jobs in construction and manufacturing industries because as the webpage Study.com claims, “While employees with a high school education may secure jobs with good benefits, college graduates typically fare better, entering higher-level careers with greater salaries” (“How Important”). Achieving a college degree increases the future happiness of an individual because of the large variety of careers and the ability to advance more quickly into senior positions in their respective careers.

Keeping yourself healthy has a totally large effect on the capability to live a good lifestyle. Growing health problems can have a big impact on the productivity of individuals’ lives. There is a lot of research demonstrating that individuals who have higher education are going to have fewer health issues than people who do not have a college education. According to a webpage sponsored by College Education claims that “In 2008, 23% of college graduates aged 35 to 44 years old were obese compared to 37% of high school graduates” (ProCon.org). It is possible that because colleges have gyms people get into the habit of going to the gym in college and they do not break that habit after they graduate. Either way, the fitness culture found on college campuses is capable of imprinting fitness habits for college students that they will continue to use after they graduate. These habits are something that someone who has not attended college may find difficult to acquire. In other words, education is one of the things students gain; moreover, lifestyle advantages are improved.

Numerous individuals will utilize the reason that college is too costly to even think about attending as their purpose behind not going for further education. This can never be seen again as a defense because of all the options that are offered for financial aid during college. According to an article by Kathryn Flynn, “Each year, over $150 billion in federal student aid is awarded to more than 15 million students who want help paying for college” (Flynn 1). Loans, grants, and different types of scholarships are only some of the opportunities that are offered to students to assist them in reducing the cost of a college degree. Some students choose to take more classes than usual because this helps them to finish their studies before the estimated time. This option is a money and time saver. Going for accelerated classes improves our learning skills and opens up the chances to get into the desired career from early graduation. This is just one of the plenty of other solutions that assist students in saving money.

One of these solutions is going to a 2-year community college, which can spare a huge number of dollars over the long road. Entering a community college never affects whether one will go after a future position. This is because that considerably after those 2 years of community college you can still accomplish a college degree from a University. Attending a community college is an effective way to save money. Texas Southmost College emphasizes that “Many students are discovering they can save thousands of dollars by enrolling in a community college for the first two years before transferring to a university” (tsc.edu). The community college has the same academic options as an expensive University does. Additionally, smaller classes are more useful because the information can be quickly adapted for students and they can create a connection with the professors. The community college has huge amounts of benefits, but the most important one is that huge amounts of money are spared. Enrolling a two-year community college costs $3,440 per year, whereas attending a four-year college costs $9,410 per year (College Costs). As you can see a community college is more expensive than a University.

Besides this often money problem, we do not understand how much money taxpayers might waste if they did not enter college. Young people without employment, training, or education are more likely to be violent and receive public health care at an additional cost from the government (ProCon.Org). It is important to look at this viewpoint because people are truly concerned about the financial side of attending college. People have to understand the potential expense a non-student can have on the economy. Our State becomes increasingly concerned with the high price of prison, costing society tons of money. Furthermore, it is known that there are fewer crimes committed by educating people. This is because when you are educated and do not work, you are more likely to engage in illegal ways of making money. Education is so powerful in reducing crime that it has been suggested that the training of prisoners would make them far less likely to go back to prison after they are released (Riggs). To solve these two problems, this step should be put into operation. This will logically solve the problem of losing money in prison charges and perhaps raise the number of educated people.

There are not a lot of people going to college because it feels like a big challenge for them. If we eliminate some barriers in people’s way will increase the number of successful and educated Americans. Some of the hurdles can be financial debt, transportation, and high tuition costs. This may be the first group to be seen as often in high school and college. The first move is to obtain solutions to the growing reasons that people do not enter college. An example is having a certain way to travel every day to campus. We have a lot of ways to get there, but some more effective ways are to provide free public transit passes, and Uber and Lyft discounts for students. Brainstorm incentives are also important to encourage students to stay at school. These incentives could be decreasing tuition costs every year of attendance. These types of issues are important to solve because they are both involved in the willingness of people to study. One way to solve a common money problem is to attend college while they still live at home. This can be helpful because they pay much less. After all, “Dormitory housing can cost as much as $4000 – $5000 per year.” (tsc.edu). Sometimes this can be challenging for those who want to enter a college because they do not get to live the full college experience. Not being able to obtain the full college experience will still not detract a student from obtaining their degree which is arguably the most important part of attending college. However, the community college offers plenty of opportunities and saves us thousands of dollars for the first 2 years.

Above all, college is becoming more and more important. It is the right time to stop using the excuse that college is too expensive because out there are so many chances and options that make college life easier in all its aspects. This excuse is meaningless because, owing all available money-saving opportunities such as community college, scholarships, and grants. If you go to college, you can get a full paying job which helps you to pay off your loans. Another common argument is that to get a good job, college is not needed. Even though this is partly true, if we want to live a decent life with higher-paid positions and a range of career opportunities, education is crucial. It is when people know more about themselves and realize what they want to do with their lives. People should focus on one aspect college education is vital to stability and social development.

Works Cited

    1. ‘Advantages of Attending a Community College. “Texas Southmost College, 29 Mar. 2018, http://www.tsc.edu/index.php/new-students/advantages-of-attending-a-community-college.html
    2. Cassidy, John. ‘What’s the Real Value of Higher Education?’ The New Yorker, 31 Aug. 2015, http://www.newyorker.com/magazine/2015/09/07/college-calculus
    3. College Costs: FAQs, https://bigfuture.collegeboard.org/pay-for-college/college-costs/college-costs-faqs.
    4. Flynn, Kathryn. ’15 Facts about Financial Aid Eligibility.’ Savingforcollege.com, 29 Mar.2018, https://www.savingforcollege.com/article/15-facts-about-financial-aid-eligibility
    5. “How Important Is a College Education?’ Study.com, 4 Nov. 2019, https://study.com/education.html
    6. “Pros & Cons – ProCon.org.’ College Education, 30 May 2018, http://college-education.procon.org/
    7. Riggs, Mike. ‘Why Prisoner Education Is Key to Reducing Crime.’ CityLab, 9 Sep.2013, http://www.citylab.com/cityfixer/2013/09/why-prisoner-educationkey-reducing-crime/6812/
    8. “Table A-4. Employment Status of the Civilian Population.’ U.S. Bureau of Labor Statistics.1 Nov.2019, http://www.bls.gov/news.release/empsit.t04.htm

Holism Leadership In Higher Education

Holism Leadership In Higher Education

Over the last half century, the conventional aim and public role of higher education have been challenged by new pressures (The National Task Force 2012). One might argue that the aim of higher education appears to be to acquire new knowledge and to prepare one for the workforce. On the other hand, one would also suggest that higher education institutions would strive for more suitable contributions to a culture of the nation.

That challenge has created continual problems about the public role and purpose of higher education in the 21st century (Abowitz, 2008; Brighouse & Mcpherson, 2015; Dungy, 2012; Levine, 2014; Shapiro, 2005). In particular, universities are in a market shift where they must continuously demonstrate their importance and interest in modern civilization (Bok, 2003; Suspitsyna, 2012).

Historically, higher education institutions operate to educate students on public service life, advance knowledge through research, and build leaders for various public service areas (American Education Council, 1949). In rapidly changing environments, today’s labor market needs highly skilled workers at all levels to cope with rapid industrialization (Ramley, 2014b).

Higher education institutions need to redefine and redesign college curricula, pedagogy, to meet current societal needs. And appraisal policies to ensure that all graduates have the requisite skills and competences to contribute to the global economy and to engage in democracy effectively (Fein, 2014; Kirst & Stevens, 2015).

Statistically, Hart Research Associates (2015) determined that 91% of companies believe communication, critical thinking, and problem-solving skills are more relevant than the major undergraduate of a potential employee.

87% of firms favor recruiting college graduates who have completed a senior project. Though 97% of the good jobs generated since 2010 have been going to college graduates (Carnevale, Jayasundera & Gulish, 2015), more than half of employers continue to report having difficulty seeking eligible job opening applicants, and more than one third suggest new graduates are unrehearsed for job searches (Carnevale, Jayasundera, & Repnikov, 2014; Carnevale, Hanson, & Gulish, 2013; Fischer, 2014; McKinsey & Company, 2015). When research institutions and students do not have priorities aligned and plan to complete a bachelor’s degree, then dissatisfaction on both sides is possible.

On the one hand, educators and staff may be frustrated if students in their interaction with learning activities don’t go beyond the minimum requirements. On the other hand, students who balk at learning outcomes which have little vocational connection. On the one hand, educators and staff may be dissatisfied if students do not go beyond their minimum learning tasks requirements.

Therefore, new empirical work that allows a detailed distinction between educational providers and college students on the economic and social benefits of completing higher education will ‘ add value ‘ to institutions trying to be successful (Watson, 2014). To the twenty-first century, leadership is what management was to the twentieth.

As more study and training programs addressing leadership are conducted, the need for practitioners to continually redefine and extend their understanding of leadership becomes imperative. Holism is defined as ‘a theory which correctly views the universe and, in particular, the human nature in terms of interacting wholes (as living organisms) which are more than the mere sum of elementary particles’ (Webster, 1999: 553).

To be a holistic leader, therefore, one must not only be able to understand and guide others from this point of view, but also in terms of how their own intra-interacting aspects construct a whole greater than their number, it must be able to understand oneself. The central to an organization’s success is the effective leadership. Many studies have declared the constructive impacts of the enhancement of leadership on organizational variables’ selection such as performance, commitment, and satisfaction of the followers. The development of leadership in higher education is still an under-investigated area of application and research.

Despite the massive importance of higher education’s effective leadership, certain recommendations for particular development programs are rare. The holistic approach is assumed to be a novel methodology to explain the leadership qualities in the higher education.

The value of higher education lies therefore in its harvests, not just as regards the quantity (number of undergraduates), but also the worth and quality of these harvests (qualified human capital). What led to the need to pay attention to the quality of its outputs, which reflects the quality of the process educational. Higher education institutions have long been considered a black box (what happens inside is unknown), but that, with the beginning of the twenty-first century, these institutions have become operating according to the principle of trading and looking for profit in an environment characterized by strong competition, which necessitated attention and concern for quality Its services and hence the quality of its output. Achieving this quality requires the provision of special factors, whether financial, material or human. Given that (the teaching staff is one of the most important factors affecting the educational process, the competence) of the teaching staff member determines the quality and quality of the educational process. The quality of higher education is among the topics raised across the world, as developed countries have developed plans and models for their evaluation, but the countries on the path to growth are still not late and differentiated.

Worldwide higher education faces immense challenges — the dramatic rise of institutions for profit, rapidly increasing perceptions about what programs colleges and universities should provide, and a diverse society that requires even more skills and capabilities from college graduates.

The importance of education and higher education in particular and its role in providing individuals with the knowledge, skills and capabilities that qualify them to enter the workforce and the important role that a faculty member plays in preparing these students to become active individuals in society, has led to interest in the quality of educational service and the quality of a member the faculty as one of the most important inputs to the educational process, by knowing and measuring its competencies.

The importance and role of the faculty member lies in what is common and theoretically known that the faculty member plays a role in the quality of higher education. Nevertheless, today’s universities are expected to provide students with the expertise, skills, and ethical responsibility to meet the future needs of society’s workforce and fully participate in the new global economy (Spellings Commission, 2006).

Reflection on My Study Plan: Experts Take My Math Class, and I Get the Best Grades

Reflection on My Study Plan: Experts Take My Math Class, and I Get the Best Grades

Keyword: Do My Homework for Me

A grading system is a system to determine that you the highest and lowest. Most of us are familiar with the grading system in an educational institution. The highest grade is A1 or A+, and the lowest grade is F, which mostly means fail. Do you even wonder can hire a person/firm to Do My Homework For Me. The answers are yes. There are many websites, but one of the best is Takemyclassesonline.com. They will get your homework done on time and at an affordable time. Takemyclassesonline.com can also take your online classes and exams as well if you want. So you can still give you exams yourself if you wish. Here are some tips to get excellent grades in your online exams.

Understand online learning

The first thing that you need to identify is that online courses are not a more natural way to get the required qualification. It is only convenient but still has to do the same learn or in some cases, even more. To effectively learn online, you need to commit and motivation. You will need to give a significant amount to studies, consistently attend programs, be concentrated while studying. In other ways, it is a full commitment learning process. Just as you would in typical studies. There are certain things that you are expected from you when you take an online course.

  • Fully commitment and participation
  • Some knowledge of tech or willing to become tech-savvy.
  • Teamwork
  • On-time work submission
  • Self-discipline

If you are not able to do all the things mentioned, you might not be able to complete the online course/class successfully. Even if you might, you might not be a happy student.

Reliable internet and computer

Technology glitches are prevalent. Imagine you are completing your online work in the middle of the night, and suddenly, your computer crashes. To avoid this kind of mishap, you need to make sure that you save your work repeatedly and backup regularly using cloud storage. You can use services such as Dropbox or Google Drive. Through this, you will be able to access your previous work from your smartphone or tablet.

Furthermore, this ensures that you not only have a backup of your online course material and assignments. You should also save other information as well. Such as your instructor’s contact information in your cell phone or email. Having a reliable internet connection is the most crucial point. You get the opportunity to check-in, stay current with your all online learning courses. You have to be ready with all the sudden schedule changes.

Dedicated Study Environment

Whether you decide, your study environment is in your office or in your living room. Ensure that the place is quiet, systematized, distraction-free, and accessible for use at any time. Your study atmosphere should be one of your primary concerns when you are an online learner. Make sure that it allows your study routine. If possible, ask your friends, relatives, and other people not to contact your study time. We suggest that you should turn your phone off. Log off of all your social network before you start to study. A highly effective solution has a secondary studying computer/laptop, if possible. Having a separate studying system can be a little expensive. You can also have different accounts only for study purposes. All this will lower your chances of getting distracted and help you learn more. Learning more means more grades in your exams.

Identify Your Objectives

To stay on the course with your online course, ensure that you always keep in mind what you hope to accomplish by the end of it. The leaning objective of the eLearning course can be an excellent road map during online learning. Read your online course requirements carefully. Create all the required notes that are closely related to your objective and ensure you review them word by word. Start your assignment from day one and be focused on your aims. Finally, consider starting with the most demanding tasks and improve both the effectiveness of your study and your performance.

Study Plan.

A study plan is essential for online learning. A study plan boosts the chances of good score marks twice. Countless people don’t know how to make a study plan. Below is the method to make the best study plan.

1. Plan ahead.

Never wait for the last day to complete your assignment or any kind of work. It will overstress you, and stress prevents your mind from completing the task effectively. Furthermore, knowing when all your homework is essential until the end of the eLearning course will facilitate your overall time management. For Example, you are going on an extended vacation in the middle of your eLearning course. You can study ahead and complete all your assignments before leaving.

2. Calendar system.

The online course requires a firm structure to succeed. Create a study calendar that will aid you in recalling all your relevant data like exams and the deadline for submitting your assignment. You can save your schedule on your computer or other devices, as well. You can also even create a wall planner that you can mark up and check every time you study.

3. Create to-do lists.

At the start of every week or month, make a to-do list of all the tasks you need to complete in the specific week or month. This is an excellent way to arrange your study plan and stay on track with your studying. A to-do list makes sure you know all your tasks and complete them before the deadline.

4. Set time limits.

Before beginning your study, estimate how much time each task will probably take to complete. Whether it is a particular assignment or merely reading a chapter. Try to stick to your time limit as this will support to develop self-discipline in yourself. Furthermore, when you realize that despite all your best efforts. You cannot concentrate enough, we suggest that you take a break for an hour or so just leave for the night. It is superior to wait until you are fresh than to waste your time trying to focus.

5. Stay on schedule.

Lastly, stick to your study plan. Procrastination is just a waste of time and is your worst enemy in online learning. Make sure that you stay systematized, and you are not falling overdue in your online class. If you are having any complications submitting your assignment on time. Contact your online instructor as soon as possible. Let them know your question, and they will surely help you create a consistent study plan.

Review, revise, and repeat.

Fixed revisions of the things you have even now considered will not only progress your memory. But they will also assist your enhanced understanding of what you are learning. Construct your own flashcards for your ideas and quiz yourself on the crucial concepts of the online course. Furthermore, contemplate having one or more study associates. Working in groups will suggest substitute views of problematic ideas, inspiration to attain superior results, and help in finalizing your online assignments.

All these are essential tips to improve your grades further. You can save yourself from all this by hiring someone to Do My Homework for Me. We hope you score the best marks possible and take care of yourself.

Motivation Stress Management in College Essay

Motivation Stress Management in College Essay

Dear new student, Your first year of college can be frightening, nerve-wracking, and downright scary, but that’s what I’m here for, to help give you a few tools and tricks to survive college. College can be the most amazing time of your life if you develop good study habits, stress management, and time management. These few skills can help make your college experience smooth so you can make these next few years the best.

Developing good studying habits is the behavior used when preparing for tests or learning academic material. This is a good skill to obtain because good study skills can help boost your confidence when you’re around your peers and self-esteem. They can also reduce anxiety about tests, deadlines, and upcoming projects. Effective study skills may be able to cut down on the number of hours you will spend studying, leaving more time for other things in your life such as friends, family, and extracurricular activities. You should acquire this habit before or in your first semester of college. While studying, you might get tired and, if you do, you normally look for any distractions around you so you can convince yourself to stop studying.

Some people may not know this stress management is a skill that everyone should have whether it’s your first year or last year in college. Stress management is a wide spectrum of techniques and psychotherapies aimed at controlling a person’s level of stress. You can reduce stress by creating a schedule with time available to study and get work done, so you don’t have to pull all-nighters and end up paying for it in the next few days. You can regularly exercise to help elevate your mood, keep your body happy and healthy, and release tension. You can also try eating well because an unhealthy diet can cause an increase in your stress levels. When you eat a healthy and balanced diet, you can provide your body with the nutrition it needs to fight stress. You should acquire this skill within your first semester to help you stay focused and productive for the rest of the years to come.

Time management is the ability to use one’s time effectively or productively, especially at work. One example of very good time management skills is; organization, Staying organized can help you maintain a clear picture of what you need to complete and when so you can achieve your overall goal. Prioritization, there are many ways to handle this such as deciding to complete fast, simple items followed by longer ones or, you could start with the most time-sensitive things and finish with the longer task at hand. You should acquire this skill before you start college so when you begin your first semester you’re not overwhelmed with due dates. Time management skills are very important because they will help you organize your work in a way that will allow you to accomplish your short and long-term goals.