College Savings Plummets

Fate had an indiscriminate and random way to liberating money from your wallet. A car break-down that cost 20% of your disposable income or a roof leak of similar extent will put you on a tight budget for the month and depreciate your savings. Bad luck or unexpected expenses is usually quoted for failure to save. Sharing the blame would be the escalating cost of living. These common reasons the man on the streets frequently hears but backing them up with research will give it better credibility.

Last year an average of $13,408 was set aside for college by parents but it was reduced to $10,040 this year. Savings for all purposes, including retirement and emergencies, also plunged to $98,867 from $115,604 last year. Sallie Mae, a corporation that offers financial products to help families save and plan for college, engaged market research company Ipsos to conduct a research to account for a 25% drop in saving for college.

Ipsos interviewed 1,988 parents of children under 18 for the survey between Jan. 14 and Jan. 28. "The biggest reason for the decrease in savings are the increase in the cost of living and having unexpected expenses come up," said Michael Gross, head of the higher education practice at Ipsos. About half the parents are saving for college. For families with incomes between $35,000 and $100,000 the rate fell to 46 percent this year from 51 percent last year.

The outlook on investing in higher education for children is still good. 90% parents believe that college is an investment in their children's future. 84% believe their children will earn more with higher education. 78% think that a college degree is more important now than in the past. General savings accounts remain as the most widely used vehicle to save for college funds. It was used by 48% of the savers. 23% used checking accounts and 27% used 529 plan.

The 529 plan is tax-advantaged instrument for saving for the future higher education expenses of a designated beneficiary. It was named after the act (Internal Revenue Code 26 U.S.C. § 529) that legislated it. The 539 plan is popular high-income savers. 49% used it. It only manage to draw 20% of middle-income and 17% low-income savers. 40% of those who do not save for higher education were unaware of the existence of 529 plans.

Parents who don't save overestimate the amount of financial aid their children will receive. Scholarships and grants typically cover about one-third of the total average cost of college, according to a corollary Sallie Mae study. About two-thirds of those who don't save believed their child would get scholarship help to cover college costs.

Martha Holler, a Sallie Mae representative said the act of creating a plan for college savings seems to boost the odds of success. The 2015 Saving for College survey found families with a plan saved 46 percent more than families without a plan. Parents began to save when their oldest child was 6.5 years old. This the time where the initial expenses of infancy and the toddler years are over, Reuters reported on 29 April 2015.

Anything Under the Sun: America's 9 Best Entry-level Jobs

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Job hunters need to be mindful that there is always compromise between job security, career development or high pay in the job process. High paying jobs are usually at high risk for being automated or offers little growth potential over the next few years. Based on a study from WalletHub, the top 9 entry-level jobs scores well in all the three categories mentioned. CBS News had compiled their findings on 28 April 2015 to guide college students and high school seniors to consider which field to major in.

Job	Starting Pay	Median Pay	Qualification	Growth
9. Financial analyst	$51,848	$76,950	bachelor's degree in business, finance or related	-
8. Information security analyst	$55,310	$86,170	-	37%
7. Web designer	$53,041	$62,500	know programming and graphic design	20%
6. Software engineers	$62,522	$90,374	bachelor's degree in computer science	-
5. Environmental engineer	$57,266	$86,340	bachelor's degree in environmental engineering or related	15%
4 Attorney	$83,907	$133,470	law degree and pass a state's written bar exam	10%
3 Network Engineer	$61,744	$91,982	degrees in computer science or related	12%
2. Web applications designer	$54,586	$59,000	know developer languages such as PHP and HTML	12%
1. Training specialist	$47,621	$55,930	college degree and strong communication skills	15%

The starting annual salary and the median pay for all workers in the field are based on the latest information from the Bureau of Labor Statistics (BLS). The salary for software engineers were based on information on the employment site Glassdoor.com. Figures for network engineer and web applications designer were derived from the employment site Payscale.com. The job growth rate is projected from 2012 to 2022 by the BLS. A growth of 10 percent or higher is deemed as normal. A growth rate of 15 percent and above is consider rapid growth.

The information security analyst had the greatest potential growth of 37 percent. Their job entails a simple maintenance routine but once the system gets hacked, they will have to work round the clock to restore the system, pronto. I believe being a hacker is the best qualification for this job but there is no such thing as a certified hacker at the present moment. This may be the reason WalletHub did not list down the qualification for this job. The reason growth is not projected for financial analyst is unclear.

Growth rate for software engineers were not projected as this profession is a bit unusual. While the jobs in this field are plentiful, careers in the field may be short-lived. According to Bloomberg News, most software developers have left the profession by the time they're 40. The industry tend to favor younger engineers because of the impression that they will be more up-to-date with the latest trends.

Although the training specialist had a low income, it top because of job openings and growth potential. About one-quarter of Web designers were self-employed in 2012 but it is forecasted that employment in this field will grow by 20 percent. I believe the forecaster is expecting these self-employed individuals would grow and had the need for expansion.

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My Comments

It takes a thief to catch a thief. Information security analyst don’t stand much of a chance against hackers. They are confine to damage control when attacked. Hackers are a secluded and quarantined group. They don’t share their skill freely. So the best person to catch a hacker is the hacker themselves. They would be the best people to outline the skills need to do this job. Since they keep their trade to themselves, this skillset will not be known.

Anything Under the Sun: Google’s Mobile Friendly Test

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My Casino Gambling Tip is now a mobile friendly website. My next task would be to get XingCai Gambling Tales to be mobile friendly too. I had outlined the step involved to get it mobile friendly in my previous blog and will use the same procedure. The wave of mobile suffers had got Google to cater to them or lose page ranking. This would be a concern for webmasters until they fix the problem.

While Google had written to webmasters with some links to make a mobile friendly website, they provided no link to test the mobile-friendliness of the site. Using W3C tidy up could provide some additional help on the meta tags. After much surfing, I found certification from Google themselves. Visit this link and type in your website’s URL.

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My Comments

W3C is a good help but most of the big guys like CNN don’t follow it.I wonder it it will help in google page ranking.

Carpe Diem: Seize the Day: Willie Nelson's Pot

REBLOG=>Phil Andows

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Willie Nelson, renowned for singing about the merits of smoking pot in country and western music, is making his own brand of marijuana. The product features "high quality strains of marijuana," and will be on the shelves as "Willie's Reserve". It will be grown and sold in Colorado and Washington where it is legal to get stoned without a doctor's note, CNN Money reported on 20 April 2015. The motivated singer said, "I am looking forward to working with the best growers in Colorado and Washington to make sure our product is the best on the market". He founded the company out of a desire to get involved in the growing market for legal pot, Elaine Schock spokeswoman for "Willie's Reserve" told CNN Money.

Nelson,81, had gone a long way for pot. He has been an outspoken supporter of marijuana legalization and an advocate for industrial hemp production. Nelson will focus on the quality of the products, encouraging responsible use and pushing for legalization. "He will serve as more than a figurehead. His values and vision set the bar for everything the company does," Schock said. A new song, "It's All Going to Pot" which Nelson duets with Merle Haggard was on April 20 to coincide with his announcement. It will make 4/20 (April 20) an unofficially declared National Weed Day. In time to come the song may be the anthem for the National Weed Day but Nelson is not the first musician to lend his name to a marijuana brand. Last year, the estate of Jamaican reggae icon Bob Marley struck a deal with a private equity firm to market and sell marijuana and other products under the name "Marley Natural."

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My Comments

"It's All Going to Pot" may not be the Weeds Day’s anthem as there will be too many contenders.

Anything Under the Sun: Think Small to Design Websites for Mobile

REBLOG=>SavySeph

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Deciding on picture size is my next task in getting my website to be mobile friendly. In my previous blog on this topic, I figured that reducing the size of navigation menu is a good place to start to design a website to fit mobile device. I used single word for title and double word for subtitle. This seems to work out some of the problem. I figure the next step would be to have a universal width for all pictures. Ideally the picture could be stretch or shrunk to fit across the multiple platforms without losing too much picture quality.

Given the size of webpages, stretching and shrinking a picture is not the real problem. Pictures who are magnify twice or reduce by half are never too shabby when it comes to quality. This should be enough do the trick to fit an image into a website. The bigger concern is manipulated images sometimes take a longer time to load. The 4G phones are great for speed but as the best for the current technology they are a minority user. Most people would have the lower 3G speed on their phones. The loyalist to old phone will still surf with 2G and there are still a number of these mobile surfers out there. These people will favor sites who were sufficiently fast for their devices.

I went window shopping for mobile phones using google and decided that I have 3 categories to please. Based on their minimum screen width, I simply name them mini (80 pixels), midi (321 pixels) and maxi (481). After throwing some math around, I decided that all images on my website will be 240 pixels wide. Shrinking 240 to 80 (the lower end of the mini) is one-third reduction. This will likely cause some problem in loading speed. For the higher end of the mini (320 pixels), the image is stretch less than 50% which is acceptable. For the 481 pixels width, there is no stretching of image. The image with text displayed by the side will be at least half of the screen.

I now had all my pictures resize to 240 pixels width. Going through the pictures one by one had been a tedious exercise. Some of my image were name by their sizes. A cat image, for example, had been named cat330x250. The 330 represent the width and 250 is for the height. I still maintain the old name of the image. It would sound silly but once something is publish it is not advisable to make changes. Keeping the old name will ensure that people who link my pictures will not get a blank image. I actually have three manga pages outstanding. These three cartoons are at least 600 pixels wide. The task will be to break them down to smaller pictures who are 240 pixels wide. The main picture that will adopt the old name while new pictures will carry the old name with a sequential numbering suffix.

Going through image by image can also make you see things from a different angle. I redraw two images. I hope the people who had link the old pictures prefer the new pictures. I had also came up with 5 new pictures. These are for the pages which previously did not have a picture. The remaining task, unless new development crops up, I will drop the navigation menu for the mini users.

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My Comments

This is information that is helpful for me. Thanks for doing the shopping and sharing it.

Unusual Cargo Force Flight to Land

The pilot of Alaska Airline flight 448 requested an emergency for priority landing when heard screaming and banging from the cargo compartment. The flight took off at 3:15 p.m. Pacific Time in Seattle. After 14 minutes in flight the aircraft had to turn back and land in Seattle-Tacoma International.

After the plane landed a ramp agent, an employee of Menzies Aviation, was found inside the front cargo hold. According to Alaska Airlines the cargo hold is pressurized and temperature-controlled. The employee told authorities he had fallen asleep. The worker appeared OK but was taken to a hospital as a precaution the CBC News reported 13 April 2015.

This is going to cost the Airline dearly and it would certainly be investigated. It is hard to imagine that one can fall asleep without fellow workers realizing it. Did the employee actually sneaked into the cargo hold intentionally? Once he realized the compartment was pressurized and temperature-controlled he panicked and start banging away. Upon being rescued, he conveniently use sleeping-on-the-job as an excuse.

POW Vivisection Display at New Kyushu Museum

A newly opened Japanese museum exposed evidence of war crime during the World War II. The museum is situated on the campus of Kyushu University in Japan. The museum, opened on April 4, features the history of medical science of the university in the past 110 years. A total of 63 items on display. The notable exhibits at the museum showed the evidence of eight US pilots vivisected by professors of the university in 1945.

The victims were eight airmen of the U.S. B-29 bomber. The aircraft was downed near the border between Kumamoto and Oita prefectures. According to the exhibit, several professors injected diluted sea water into the pilots and dissected their lungs and other organs to observe how long the victims would live after the operation, the Japan Times reported on 4 April 2015.

All eight pilots eventually died. One professor committed suicide when the war ended. The other 14 faculty members were either sentenced to life-in-prison or handed the death penalty for committing war crimes. The school treated the topic as a taboo and avoided mentioning it in public over the years. At a meeting of professors at the School of Medicine in March, the university agreed to face up to the campus' 'dark history.'