...reduce workforce, which resulted in leaving highly educated people without a job. Some of the unemployed people are considered to be over-qualified for jobs where employers are not able to offer high salary, leaving the unemployed jobless for a long time. The issue has caused a negative effect on the economy. The unemployment issue is blamed for the high rate in mortgage foreclosure. When a property is mortgaged, the bank holds the property as collateral on the loan. If the homeowner fails to pay the loan, the bank can take legal action to claim ownership of the home. This action is referred to as a foreclosure. Many homeowners depended on two incomes to manage the monthly bills. The lost wages from an unemployed spouse can create extreme financial hardship, which affects holding on to a home mortgage. With limited choice, these families are forced to walk away from their homes. These once highly skilled workers spend many months, even over a year looking for employment. Usually a bank will give the homeowners a little time to catch up on the missed payments. Eventually, the lender of the home mortgage will step in and foreclose the property after the home owners default on their payments. My proposal will provide a mathematical modeling analyzing the unemployment rate in the state of Florida with relationship to mortgage foreclosure. This model will provide a linear equation that expresses the relationship between the unemployment rate and mortgage foreclosure in Florida. In addition...
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...ENG 101 M. Brown 30 April 2013 Mandatory Financial Counseling Should be Provided to All College Students A growing number of college students today are facing unnecessary hardships upon graduation from college because they lack preparation, and the necessary skills needed to manage their financial circumstances. Lack of knowledge combined with distracting, busy study schedules have led many college students to make poor decisions, leading to costly consequences upon graduation. According to the Project on Student Debt at The Institute for College Access & Success (TICAS) in the college graduate class of 2011, two-thirds had an average of $26,600 in student loan debt upon graduation; at the same time the unemployment rate among new graduates was at 8.8 percent ("Average Student Debt Climbs to $26,600 for Class of 2011"). As a result, thousands of new graduates are forced to face huge amounts of debt on student loans that they cannot pay, immediately after graduating. There has been talk on Capitol Hill about federal loans to help graduates with their debt. Government involvement to fix the problem seems very retroactive considering that universities could and should have taken a more proactive approach. Universities must better prepare their students for the foreseeable financial hardships they could face upon graduation by providing mandatory financial planning counseling to all students. Without proper counseling and direction, it is very easy for students to...
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...One of the financial counseling operation supervisors, Ethan, has many leadership roles and performs several practices. Ethan is responsible for assigning personal financials counselors to different assignments. These assignments range from a few hours to six months in length. Connecting personal financial counselors with an assignment can be very time consuming. When a new assignment arrives the announcement is sent out to several personal financial counselors. Then the counselors bid on the assignment which then goes to the Office of the Secretary of Defense (OSD) for approval. Once approval goes through, Ethan creates a strategic plan to ensure the counselor is a good fit for the assignment and all assignment logistics are in place. The counselor is then briefed on the current assignment and Ethan emphasizes the importance of assisting our service members in a professional and productive manner. With ever-changing regulations on contracts, Ethan has to strategically implement these changes to provide a smooth transition for both the counselors and clients. Depending on the level of importance, Ethan either informs counselors of the new guidelines and requirements...
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...Mark Nunez Howard English 51A 1 May 2016 Does financial aid lead to a more successful student? Does financial aid lead to a more successful student? There is a lot of debates and talk about the fact that financial aid does lead to a more successful student. There’s many that think financial aid does lead a college student to a better success and there’s some people that think different. Based on my research and my own personal experience, I have found that there’s a lot of positive points to a more successful college student, but I do understand the negative points to an unsuccessful college student also. For overall student population, the receipt of grants or a combination of grants with loans had a positive impact attending first choice institutes. While the study is not yet complete, MDRC recently published findings from two community colleges in its report “Can Scholarships Alone Help Students Succeed? Leasing from two New York City community colleges.” (Student Loan Ranger) Web. The study defines performance-based scholarships as these granted to students based on financial need. According to MDRC, making additional financial aid contingent upon certain behaviors can lead to “an increased effort toward studies, or reduced level of financial stress, and an increased confidence on the part of students in their ability to succeed. (MDRC WEB) When the MDRC evaluated all participating students at two schools they found that the overall program encouraged more full-time...
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...EFFECTIVENESS OF EMPLOYEE COUNSELING AT THE LOCAL GOVERNMENT UNIT OF DIFFUN, QUIRINO I. THE PROBLEM AND ITS BACKGROUND The Importance of Developing and Preserving Human Resources Counseling programs geared specifically for employees in or near their work settings have grown steadily in recent years in the Philippines, primarily because employers have come to recognize the importance of developing and preserving valuable human resources. Managers have begun to listen to the ideas of people like Peters and Waterman, whose best-selling book on corporate excellence exhorts, Treat people as adults. Treat them as partners: treat them with dignity; treat them with respect. Treat them - not capital spending and automation - as the primary source of productivity gains… In other words, if you want productivity and the financial reward that goes with it, you must treat your workers as your most important asset (1982). In general, counseling services for employees can be divided into two major categories, namely, those dealing with personal problems and those dealing with career development. The employee counseling programs that deal with personal problems will focus on employees’ mental and physical health and deal with personal problems that might, even indirectly, affect job performance. Those that deal with career development programs will use assessment, counseling, planning, and training to help individuals make and act on career decisions within the context of the organization’s...
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...PHILOSOPHY OF SCHOOL COUNSELING Philosophy of School Counseling CNDV 5303 Lamar University Whether in elementary, middle, or high school, professional school counselors are an essential part of the school experience. As part of a comprehensive school-counseling framework, counselors are able to positively affect student achievement (Erford, 2015). Even though counselors are not an obligatory part of the classroom, they still impact student achievement. They help students with academic goals, career development, and personal and social issues, in order to influence valuable, productive, and well-adjusted adults of the future (Erford, 2015). I personally believe before anything counseling is a relationship. Like all good relationships, a successful school counseling relationship is based on trust. This trust develops and increases when students feel accepted and supported no matter their actions, and when students recognize the school counselor has their best interest at heart. If the student does not feel the school counselor is listening to their needs, wants, or concerns, the student will not buy into the counseling, even if sound advice is being given. I also believe that school counseling must encompass real honest communication. Honest communication is vital to the student-counselor relationship. For students, this means not suppressing important information that will impact their schooling or personal lives. For the school...
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...MANAGING YOUR FINANCIAL SITUATION Cancer and its treatment can leave a survivor with a need to review current and future financial goals. Events such as illness, disability, employment changes and investment disappointments can affect your personal and financial well-being. An assessment of your situation can help define your present financial status as well as prepare for future planning, saving, spending and dealing with financial emergencies. Preparation for changes and challenges to finances can contribute to increased financial security. ------------------------------------------------- Assessing and Managing Your Financial Situation: Detailed Information This information is meant to be a general introduction to this topic. The purpose is to provide a starting point for you to become more informed about important matters that may be affecting your life as a survivor and to provide ideas about steps you can take to learn more. This information is not intended nor should it be interpreted as providing professional medical, legal and financial advice. You should consult a trained professional for more information. Please read the Suggestions and Additional Resources documents for questions to ask and for more resources. Cancer and its treatment can leave a survivor with need to review current and future financial goals. Dealing with financial matters might seem overwhelming. However, an assessment of your current situation can help define your present financial status, as...
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...Assistance Program (EAP). The EAP will be offered as part of our comprehensive benefit package to all of its employees and their qualified dependents. An EAP is a confidential counseling service, paid for by the employer that is designed to help employees and family members who have personal problems as well as work problems that can interfere with their work and family life (Attridge, 2010). Employees and family members will be eligible to receive free counseling for (Attridge, 2010): • Stress • Alcohol and drug problems • Legal and financial problems • Emotional problems • Child/Elder care • Grief and traumatic events The objective of the EAP will be to (Attridge, 2010): • Reduce cost of medical benefits • Reduce turnover • Reduce absenteeism • Increase productivity • Improve efficiency • Reduce lost-time accidents • Increase overall wellness of employees We propose to contract this service out to an outside vendor that will be more qualified to handle the counseling. Benefits, implementation and costs of this program will be thoroughly presented within this proposal. Scope What the company would like to accomplish with implementing an Employee Assistance Program is to protect the health and safety of our workforce; attract and maintain talent; and achieve positive financial performance (Christe, Kirkharlow, 2007). We want to be able to catch a problem before it becomes too big and negatively impacts productivity. The majority of large U.S. companies...
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...Ethical Principles and Issues within Addiction Counseling Jennifer Spivey Liberty University Abstract Addiction counselors have many ethical and legal considerations in when providing services to substance abusers. There are ethical principles that including justice, autonomy, nonmaleficence, beneficence, and fidelity. Along with these principles there are federal and state regulations when providing services. As an addiction counselor there should be ethical guidelines to follow with informed consent, compensation, confidentiality, and collection and protection of data. Furthermore, addiction counselors must avoid coercion, provide alternative treatment options, protect vulnerable clients, and select representative participants for addictions research. The ultimate goal of addictions counseling is to benefit the clients and society as a whole. Keywords: ethical, principles, addiction, counselor Introduction There are many counselors that are faced with ethical issues on a regular basis. These issues are intensified for an addiction counselor. There are a number of reasons for ethical issues for addiction counselors. One is that there is a high correlation between addiction and criminal activity. There is also the concern that ethical issues such as informed consent can be complicated by problems arising out of substance abuse. The counselor’s ability to cope with these and other issues is dependent, to a large degree, on their ability to weigh up the inherent risks...
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...The person I chose to shadow happened to be a female approximately 30-40 years of age. She is a counselor, teacher, mother, and mentor for all students who visit her office. However, the school would say that her areas of expertise are Counseling, University Retention, and Social Welfare. During her average day she deals with student breakdowns, reports for the office, emails, and instructs a Freshman Year Experience course. Many people would consider her superwoman. But then again doesn’t every woman take on these roles in her life? Balancing a professional work environment while tending to a family. Could it be that her position as a counselor strengthens this thought and question? Human Resources Approach According to Miller, “the human resources approach acknowledges contributions of classical and, especially, human relations approaches to organizing” (45). I thought that this concept related best with my interviewee. As program coordinator as her official title she is in charge of many responsibilities. I asked her if she could describe her job as well as what are her main responsibilities were for. Her response was financial aid counseling, personal counseling, career & graduate/professional school counseling, and career services. She then explained her role as a program coordinator for that...
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...International Counseling Psychology Students in the United States Y. Barry Chung University of Illinois at Urbana-Charnpaign The special needs and concerns of international counseling psychology students in the United States have been largely ignored. The purpose of this paper is to discuss education issues regarding this student population . Topics covered include: admission, language and cultural adjustment, learning experience, practicum and internship, thesis and dissertation, reentry, and recommendations for future research . Many counseling psychology education programs in the United States are committed to increasing diversity in their student body by recruiting students from different demographic backgrounds (e .g ., sex, age, geographic location, race/ethnicity, sexual orientation, physical disability, etc .) . Some programs are more successful than others in this effort . However, a diverse student body also demands special attention in education programs . It is obvious that students from different backgrounds may have different needs and concerns . Unfortunately, some programs tend to treat everybody the same way with limited assistance for the professional growth of students from diverse backgrounds . International counseling psychology students in the U.S . are among those whose needs and concerns are largely ignored . International students constitute a significant portion of the student population and they certainly contribute to diversity in counseling psychology...
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...suffers from depression secondary to back pain and thyroid disease. Currently she and husband are struggling financially; she lives with her in-laws while her husband is on deployment. Client unable to manage personal finances and presently not employed. Program Development of Informational Needs Physical factors: Extent of Disability 1. How does the disability handicap employment potential? 2. Is the disability progressive or stable? 3. Can person’s functioning in activities of daily living be improved? 4. Is the disability stable enough to initiate rehabilitation programming? Psychosocial Factors 1. To what degree has the client adjusted to the handicapping aspects of the disability? a. Does the person use “disability” as an excuse for failure? b. Are any of physical symptoms psychologically based? c. Does the client have the emotional stability to engage in a vocational rehabilitation program at the present time? In the near future? Family and Friends 1. What positive or negative role will the individual’s family and friends play in the rehabilitation process (e.g. supportive, overprotective or unrealistic regarding client potential)? 2. What personal counseling and/or family counseling services will be necessary (e.g. psychotherapy, personal adjustment training, relaxation training)? Educational-Vocational Factors Education Consideration 1. What types of vocational training or jobs that client’s educational histories suggest...
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...First-Line Supervisors of Office and Administrative Support Workers Loan Interviewers and Clerks Freight Forwarders Proofreaders and Copy Markers Brokerage Clerks Legal Secretaries Credit Authorizers Billing, Cost, and Rate Clerks Bookkeeping, Accounting, and Auditing Clerks Patient Representatives Statistical Assistants File Clerks Procurement Clerks Computer Operators Bioinformatics Technicians Explore Degree Options Associate of Arts with a concentration in Foundations of Business Bachelor of Science in Business with a Concentration in E-Business Associate of Arts with a concentration in Accounting Page 1 866.766.0766 | phoenix.edu Desktop Publishers Business and Financial Operations Explore Jobs Loan Officers Equal Opportunity Representatives and Officers Personal Financial Advisors Credit Analysts Insurance Underwriters Loan Counselors Tax Examiners and Collectors, and Revenue Agents...
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...changes an individual. Having knowledge, an individual will have the courage to do anything. Education is the main factor to mold individuals to become what they want. It is true that schools are the primary source in having a formal education. But, not everyone can attend school due to different reasons. There are unfortunate children that could not afford to go to school not only because they are poor, but there are also other reasons that they consider in going to school. In 2009, Sallie Mae discovered that 84% of college students indicated they need a big amount of money for their education. In addition to that, Noel Levitz (2009) reported and concluded that only 46.4% of college students claimed that they had enough financial resources to finish college. Hossler (2006) cited that students have been dropping out for ever since, formal schooling has started. Since dropouts adversely affect finances and credibility of academic institutions, administrators have become increasingly concerned about the decreasing number of students that enrolls....
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...program’s package, associate assistance program (AAP), family and life benefits, and health and wellbeing program. Chapter 2 in the WorldatWork Handbook of Compensation, Benefits & Total Rewards has increased flexibility listed as one of the top five advantages of a total rewards approach. Geico’s time off and leave, and family and life programs are aligned with the increased flexibility approach in that they allow their employees paid vacation and holidays, sick and leave time, dependent care FSA, adoption assistance, long-term care insurance plan, and associate assistance program (AAP), which includes three phone and/or in-person counseling sessions at no cost. The family and life benefits include: work-life balance programs, "baby welcome" program; day care and elder care referrals, counseling for stress, anxiety and depression, and financial counseling, aid during crisis situations and legal consultation. Geico realizes that their employees need time off and programs to help make their work-life experience a little easier as in having a balance between the two (WorldatWork, 2007). Geico’s total rewards program package offers a great deal of improved recruitment and retention as stated in Chapter 2 of the text book in that they offer a benefits package to help insure their employees’ future. This organization totally understands their employees’ quality of life, which is why they offer a comprehensive Total Rewards Program that includes variety of options to preserve...
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