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The financial crisis is severely affecting our colleges and universities. Currently, tuition costs have risen out of control and even if students can get student loans to attend college, it puts them into the workforce under a pile of debt, essentially subjecting them to economic enslavement for decades. In fact, many government agencies are now offering to pay off tuition debts if the graduating students do a rather long stint with government employment.
The Universities have been unable to control costs and due to supply and demand issues, coupled with the easy money of government guaranteed loans to college students. Academia is broken, just like the Health Care System, Banking System and Housing Markets, worse the runaway costs have the taxpayers holding the key. Academia has abused their status like the leaders of the other groups.
The unfortunate thing is that we trust academia to insure the education of the next generation which will lead us. It is critical, unfortunately the system is rotten to the core with agendas and the very thing they accuse the entrepreneurial capitalists is something they themselves are engaged in and yet, they remain immune to the realities of; mostly due to the hijacking of the system and political influences.
The future of our nation's educational system is at stake, whom will run this nation if we cannot give a viable education to the next generation; a countries strength and power can be wiped out in a single generation if education fails. Yet, academia will not come clean. Capitalism has been working in spite the socialist intervention, but the baggage and debris is about to collapse the roof on its house, so one needs to ask; who is really the intellectual strength of our civilization?
Because from where I am standing, it seems rather silly for anyone to insist that our Universities and Colleges are educating our next generation in an efficient matter, academia is broken and if they cannot even run their own domain, I ask; How can we trust them to tell us how to run our civilization? Think on this; open for suggestions and comments.
2
Recently, the sub-loan crisis, Lehman Brothers bankrupt, Merrill Lynch & Co. changed hands, the continued turmoil in the global economy, global financial crises are rampant. Unemployment and employment problem faced by various countries and has become the focus of attention, following, I will explain the impact of financial crisis on college students in detail, and give some advice to college students about responding to the financial crisis.
First of all, under the impact of the financial crisis, the problem of the employment becomes more and more prominent. As more and more people attach importance to education, the number of college graduates is also increasing year by year, now, the financial-crisis make more difficult in the employment of college students.
Secondly, the financial crisis forced the students to change the concept of employment. In the impact of the financial crisis, the students had to change the concept of previous employment, mainly in the following two aspects: First, students lowered the expectations of all aspects, such as high wages, good working environment, low-intensity work, and so on. Second, many college students are willing to go to small cities and rural areas to work.
Third, the financial crisis makes the cost of looking for work higher. The cost includes time, money, energy, physical costs. Most small-size company bankrupt or being-bankrupt, they canceled the original recruitment plans, and even layoffs, making the position of jobs very few. There are many students voted in resume, no echo, spent a lot of energy and time.
Fourth, more and more college students pay attention to the pre-vocational training. In order to adapt to the work, enterprise more and more pay attention to the quality of talent. University students in order to improve their competitiveness, many college students choose a pre-vocational training before work.
Fifth, more and more college Students start their own business-plan. Under the influence of the financial crisis, college students start their own business-plan with the support and assistance of schools, government and society.
Finally, under the employment pressure, an increasing number of graduates choose to further studies. In the severe employment pressure, most university graduates choose to continue to deepen their professional knowledge, in order to avoid a period of sluggish job market.
Then, face the financial crisis, college students how to deal with this? I will present my views and suggestions.
(1) Students should be to maintain an optimistic attitude, see the crises, at the same time, must have the eyes of finding-machine. After a analysis of marketing, choose a good business project, with the help and assistance of society, government, schools and other organize, carry out own businesses plan. This is not only can avoid the brutal competition for jobs, and can enliven the employment environment to ease the employment pressure.
(2) To find work, attention should be paid to the individual capital accumulated. In this particular job environment, students can choose small and medium-sized company, may also be engaged in flexible employment, including temporary employment, part-time employment. In the employment process, college student must concern about the individual capital accumulated, in order to find better job.
(3) Continuing their education through the difficult period of employment. Students may choose to post-graduate studies, on the one hand, it can increase the professional knowledge, on the other hand, it can avoid the hard-time of employment-marking.
(4)College students should do the job of the training to enrich and improve themselves, and to enhance the competitiveness of their own employment and achieve self-confidence of employment.
(5) Students should change the concept of employment. Students can no longer hold the concept of previous employment to find job, can not stare at the big city and indulge in easy, comfortable job. Serving small-sized cities, towns, villages and countries should be considered
(6) When college students look for a job, college students should make good use of social network. In China's cultural background, the use of networks of social relations is very helpful. Especially in the tight labor market environment, Specific social networks, such as: parents, relatives, classmates, friends, alumni.
(7) Students should adjust the mentality of a good employment and reduce their employment expectations, we should be employed first, and then find another good job.
(8)College students should grasp any internship opportunities to upgrade their professional knowledge and application of practical ability, in order to improve their competitiveness of employment.
Overall, under the impact of financial crisis, college students not only to changes the primary concepts in employment, but also continuously upgrade the quality and ability of their own, participate in job training to strengthen and expand their professional knowledge. Besides, college student should make good use of the help of schools, government and social, start own businesses plan.
近期，次贷危机，雷曼兄弟破产、美林转手，全球经济持续动荡，金融危机正在肆虐全球。失业与就业问题已经成为各国面临和关注的焦点，以下我将比较详细说明金融危机对大学生影响，并提出大学生应对低迷就业市场的建议。
首先，金融危机使得“大学生就业难问题”更加突出。随着越来越多的人重视教育，每年毕业的大学生也逐年增多，就业形势本就很严峻，如今，金融危机，使得大学生就业更加难。
其次，金融危机迫使大学生转变就业观念。在金融危机的影响下，大学生不得不转变以前的就业观念，主要表现在以下两个方面：一、大学生降低了各方面的期望，如高工资、良好的工作环境、低工作强度的要求。二、许多大学生都愿意到中小城市、乡村工作。
再次，金融危机使得大学生找工作的成本增加。这成本包括时间成本、金钱成本、精力、体力成本等。金融危机使一部分中小企业倒闭破产，或有些企业取消了原招聘计划，甚至进行裁员，使得就业岗位很少。有很多大学生投了简历，得不到任何的回音，花费了不少的精力和时间等。
第四，越来越多的大学生进行“职业前培训”。为了能更适应企业的工作，企业越来越重视人才的质量。大学生为了提高自己的竞争力，很多大学生多选择了“职业前培训”。
第五，促使大学生“创业观念”的产生。在金融危机影响下的大环境中，就业压力越来越大，大学生在学校、政府、社会的支持和帮助下，开始了自己的创业计划。
最后，就业压力下，越来越多的毕业生选择选择继续深造。在严峻的就业压力下，不少大学毕业生选择考研，继续深化自己的专业知识，以期避免就业市场低迷的时期。
那么，在金融危机面前，大学生该如何面对呢？以下我将提出我的观点和建议。
（1）大学生应该要保持乐观的心态，在看到“危”的同时，也要有发现“机”的慧眼。在经过比较分析市场动态的情况下，选择好的创业项目，争取社会、政府、学校等的支持，进行自主创业。这不仅可以避免就业竞争的残酷，而且，可以搞活整个就业环境，缓解就业压力。
（2）找工作时，要重视个人人力资本积累。在这特定的就业环境下，大学生可先选择在报酬较低的中小企业就业，也可从事灵活就业，包括临时就业、非全日制就业等，在就业过程关注个人的人力资本积累，寻找更好的职业发展机会。
（3）继续深造度过就业困难时期。大学生可以选择继续攻读研究生，一方面增加深化自己的专业知识，这一点伴随着知识经济的到来尤其重要，另一方面也能够避过劳动力市场不景气时期，期望在两三年之后能够找到更好的工作。
（4）要做好“培训工作”，充实、提高自己，增加自身就业的竞争力，实现自信就业。
（5）大学生应该转变就业观念，国家哪里需要人才，就服务到哪里。大学生不能再持以前的就业观念来“找工作”，不能一味向着大城市，不能沉醉于轻松、舒适的工作。而应该考虑服务中小城市，镇、乡村等，国家哪里需要人才，大学生就服务到哪里。
（6）要利用好社会关系网络。在我国文化背景下，社会关系网络的使用已是大学生实现就业的典型行为特征。特别是在就业市场紧张的环境中，人脉关系资源的使用对于成功求职就显得格外重要。具体的社会关系网，如：父母、亲戚、同学、朋友、校友等。
（7）大学生应该调整好就业心态，降低自己的就业期望，实行先“就业”再“择业”就业思维。
（8）大学生不要放过任何一个有价值的实习机会，提升自己专业知识和应用实践能力，以便提高自己的就业竞争力。
总的来说，在金融危机影响就业的情况下，大学生不仅要转变就业观念，实现灵活就业，而且还有不断的提升自身的素质，参加就业培训强化，扩充自身专业知识，积极利用学校、政府、社会等提供的条件，进行自主创业。
3
As a college student, what is important to you? Your friends, grades, the Eagles' score, weekend plans? Well, the current state of our economy should now become your top priority. Whether you realize it or not, this situation is going to directly affect our futures.
This crisis affecting the economy is one of the most significant events to occur during our lifetime and most college students are unaware of its severity. So much of our time is idly spent following celebrities and sports when we should be focusing on larger issues that actually impact our daily lives.
In less than one month, The United States of America will elect a new leader into the president's office. Whoever is elected in November has the daunting task of leading our nation into uncharted waters. No one knows exactly what is going on and what is going to happen. These are all reasons that we should be investing our time into learning about these issues and how they affect both our families and us.
As a result of the credit crisis, America's job market is going to be exceptionally tough to break into. According to the United States Bureau of Labor Statistics, there was a net loss of 159,00 jobs in September, bringing the year-to-date total to 760,000.
We as college students, should try to secure our futures while we can by making sure we are marketable enough to land a job after graduation.
Graduating seniors are not the only students who should be worried about what will happen over the next few months and the job market is far from the only issue affected by the crisis.
For those still in college and the many who will be entering college come next fall, money will be difficult to find. Federally guaranteed loans that offer fixed, below-market rates may require higher fees to borrow money and some students may be turned away by banks from the start.
Two of the nation's largest student loan organizations, the Pennsylvania Higher Education Assistance Agency and The College Loan Corp., recently announced that they are going to temporarily stop making federally guaranteed loans.
So what does this mean? Basically that with the rising cost of tuition every year, college, for some, is going to become less affordable.
We need to be paying attention to these fiscal issues because in a few short years, we are going to be paying off our current loans as well as dealing with the aftermath of the credit crisis.
Our generation will be key to electing a president who will have to face some of the toughest decisions of our nation's history. There is no reason or excuse for us to not be informed and not care about what lies ahead.
This isn't something our parents are going to have to deal with. Come January, Barack Obama or John McCain will be leading our country for the next four years into the unknown and this unknown is our future. Therefore, it is imperative we invest at least a little of our time into learning about the issues that truly matter.
4
As college seniors prepare to enter the workforce, job competition must be taken seriously, specifically for those entering the financial sector. According to UWire.com, "recruiters from banking firms are already skipping out on career expos and backing out of previous agreements as their companies are being bailed out by government loans or are looking to sell or merge with other banks."
Woodley said that he agreed that job stability in a shaky economy is a challenge.
"Employment is not going to be easy. You are going to be competing with highly qualified people who just lost their jobs," she said. "Understand that employment is going to be an issue and begin the job search early."
Senior business major Brad Venard anticipates employment challenges. "This financial crisis will more than likely affect me getting a job," he said.
Similarly, the housing market is being restructured.
"The people who are coming out five years ahead of you had more lenient (housing) terms. Those days are probably over," Woodley said.
The volatile economy is apparent in the housing market. "Most houses are going down in value. The equity has gone below what the mortgage is. You're paying for an asset that's not an asset," Collins said.
Collins said he recognized that there is no longer easy money for Generation Y to use to buy a house. "Samford's graduating class of 10 years ago could go into the labor market and buy a house with no money down. Also, 50 percent of the current generation's marriages have gone down the toilet. This is an outcome of easy money," he said. "(This generation) will be much less subject to the craziness of life."
"Should you be saving? Absolutely," Woodley said. "In the near term, being very smart would be best."
Senior business major Brad Johnson said he feels that saving is important for college-age students. "It will affect how much I save because banks are going to be less willing to loan money," he said.
Woodley suggested sitting down with a financial adviser to decide where to invest.
Easier times, in Collins' opinion, "prolongs youthful behaviors."
The next generation of Samford students and college graduates face different times.
"I'm not against youth, there's nothing wrong with going out. But you'll see fewer 30-year-old boys in this next generation. Their parents won't be able to help them as much," Collins said.
5
Everybody has been talking about how the credit market and plummeting stocks are disrupting our parents' overall financial well-being. However nobody, not surprisingly, is talking about what this will do to students. I decided to do some research and figure out what will happen to US.
First of all, I discovered that college students are seen as "risky candidates" for private loans. We are young, therefore unstable in the eyes of capitalism so the fact that these loan companies are in a crunch means that we are unlikely candidates for money. Even those of us who were lucky enough to get credit and had our loans approved are now seeing delays in distribution of that money. I met a woman named Susan who told me that her son had his loans approved, but after starting classes had his loans fall through like a bounced check. One can do little to ensure that this will not happen to you, so talk to registrars, financial aid counselors, and banks to know the status of your loan.
Loans are the obvious issue, but what people are not talking about is what happens after we graduate. Ironically, the Princeton Review named Business Administration and Management as America's most popular major. Obviously companies are cutting back on both full-time employees and interns to save money, so jobs are scarce. The same applies for public school education and nursing. All institutions are in a bind and will cut you out of the process before sending themselves into debt. My suggestion is to start applying for jobs and internships ASAP! This has become a numbers game, so get as many applications out there as you can and pray that at least one will stick.
6
Unless, in an act of desperation, you’ve locked yourself in a room without TV and internet to force yourself to finish your thesis or dissertation, you’re probably aware that we’re in the middle of a global financial crisis. Banks have failed, companies have been forced to make layoffs, and interest rates have plummeted. In short, the global economy is not good right now.
Like everyone else, I’m constantly bombarded by news coverage of the latest catastrophes in the financial world, and while it’s great to know what’s going on, a lot of times it’s hard to relate to the stories. Unless, of course, you’re a multi-million dollar investor who fell victim to Madoff’s Ponzi scheme, but if you’re a multi-millionaire, why are you even reading this blog?
Anyway, what I’m interested in exploring is how the global economic crisis has affected our everyday lives? You know, the lives of regular people like you and me, not the CEOs and other top executives.
For me, the impact of the global financial crisis has been surprisingly small. I consider myself extremely fortunate to have landed a full time job last year before the economy really started falling apart. Also, it’s a lucky coincidence that what I enjoy doing (my job) is in a “recession proof” industry (knock on wood). The most painful experience has been watching the balances of my Roth 401(k) and Roth IRA take a nosedive, but even though it hurts now, it’ll be fine in the long run because I still have a few decades before I even touch that money.
On the other hand, I know that not everyone has made it through this financial crisis unscathed. One of my cousins was just laid off from his job last week, so he’s now unemployed. The global financial crisis has definitely left a big impact on his life.
How has the global financial crisis affected you?
The Universities have been unable to control costs and due to supply and demand issues, coupled with the easy money of government guaranteed loans to college students. Academia is broken, just like the Health Care System, Banking System and Housing Markets, worse the runaway costs have the taxpayers holding the key. Academia has abused their status like the leaders of the other groups.
The unfortunate thing is that we trust academia to insure the education of the next generation which will lead us. It is critical, unfortunately the system is rotten to the core with agendas and the very thing they accuse the entrepreneurial capitalists is something they themselves are engaged in and yet, they remain immune to the realities of; mostly due to the hijacking of the system and political influences.
The future of our nation's educational system is at stake, whom will run this nation if we cannot give a viable education to the next generation; a countries strength and power can be wiped out in a single generation if education fails. Yet, academia will not come clean. Capitalism has been working in spite the socialist intervention, but the baggage and debris is about to collapse the roof on its house, so one needs to ask; who is really the intellectual strength of our civilization?
Because from where I am standing, it seems rather silly for anyone to insist that our Universities and Colleges are educating our next generation in an efficient matter, academia is broken and if they cannot even run their own domain, I ask; How can we trust them to tell us how to run our civilization? Think on this; open for suggestions and comments.
2
Recently, the sub-loan crisis, Lehman Brothers bankrupt, Merrill Lynch & Co. changed hands, the continued turmoil in the global economy, global financial crises are rampant. Unemployment and employment problem faced by various countries and has become the focus of attention, following, I will explain the impact of financial crisis on college students in detail, and give some advice to college students about responding to the financial crisis.
First of all, under the impact of the financial crisis, the problem of the employment becomes more and more prominent. As more and more people attach importance to education, the number of college graduates is also increasing year by year, now, the financial-crisis make more difficult in the employment of college students.
Secondly, the financial crisis forced the students to change the concept of employment. In the impact of the financial crisis, the students had to change the concept of previous employment, mainly in the following two aspects: First, students lowered the expectations of all aspects, such as high wages, good working environment, low-intensity work, and so on. Second, many college students are willing to go to small cities and rural areas to work.
Third, the financial crisis makes the cost of looking for work higher. The cost includes time, money, energy, physical costs. Most small-size company bankrupt or being-bankrupt, they canceled the original recruitment plans, and even layoffs, making the position of jobs very few. There are many students voted in resume, no echo, spent a lot of energy and time.
Fourth, more and more college students pay attention to the pre-vocational training. In order to adapt to the work, enterprise more and more pay attention to the quality of talent. University students in order to improve their competitiveness, many college students choose a pre-vocational training before work.
Fifth, more and more college Students start their own business-plan. Under the influence of the financial crisis, college students start their own business-plan with the support and assistance of schools, government and society.
Finally, under the employment pressure, an increasing number of graduates choose to further studies. In the severe employment pressure, most university graduates choose to continue to deepen their professional knowledge, in order to avoid a period of sluggish job market.
Then, face the financial crisis, college students how to deal with this? I will present my views and suggestions.
(1) Students should be to maintain an optimistic attitude, see the crises, at the same time, must have the eyes of finding-machine. After a analysis of marketing, choose a good business project, with the help and assistance of society, government, schools and other organize, carry out own businesses plan. This is not only can avoid the brutal competition for jobs, and can enliven the employment environment to ease the employment pressure.
(2) To find work, attention should be paid to the individual capital accumulated. In this particular job environment, students can choose small and medium-sized company, may also be engaged in flexible employment, including temporary employment, part-time employment. In the employment process, college student must concern about the individual capital accumulated, in order to find better job.
(3) Continuing their education through the difficult period of employment. Students may choose to post-graduate studies, on the one hand, it can increase the professional knowledge, on the other hand, it can avoid the hard-time of employment-marking.
(4)College students should do the job of the training to enrich and improve themselves, and to enhance the competitiveness of their own employment and achieve self-confidence of employment.
(5) Students should change the concept of employment. Students can no longer hold the concept of previous employment to find job, can not stare at the big city and indulge in easy, comfortable job. Serving small-sized cities, towns, villages and countries should be considered
(6) When college students look for a job, college students should make good use of social network. In China's cultural background, the use of networks of social relations is very helpful. Especially in the tight labor market environment, Specific social networks, such as: parents, relatives, classmates, friends, alumni.
(7) Students should adjust the mentality of a good employment and reduce their employment expectations, we should be employed first, and then find another good job.
(8)College students should grasp any internship opportunities to upgrade their professional knowledge and application of practical ability, in order to improve their competitiveness of employment.
Overall, under the impact of financial crisis, college students not only to changes the primary concepts in employment, but also continuously upgrade the quality and ability of their own, participate in job training to strengthen and expand their professional knowledge. Besides, college student should make good use of the help of schools, government and social, start own businesses plan.
近期，次贷危机，雷曼兄弟破产、美林转手，全球经济持续动荡，金融危机正在肆虐全球。失业与就业问题已经成为各国面临和关注的焦点，以下我将比较详细说明金融危机对大学生影响，并提出大学生应对低迷就业市场的建议。
首先，金融危机使得“大学生就业难问题”更加突出。随着越来越多的人重视教育，每年毕业的大学生也逐年增多，就业形势本就很严峻，如今，金融危机，使得大学生就业更加难。
其次，金融危机迫使大学生转变就业观念。在金融危机的影响下，大学生不得不转变以前的就业观念，主要表现在以下两个方面：一、大学生降低了各方面的期望，如高工资、良好的工作环境、低工作强度的要求。二、许多大学生都愿意到中小城市、乡村工作。
再次，金融危机使得大学生找工作的成本增加。这成本包括时间成本、金钱成本、精力、体力成本等。金融危机使一部分中小企业倒闭破产，或有些企业取消了原招聘计划，甚至进行裁员，使得就业岗位很少。有很多大学生投了简历，得不到任何的回音，花费了不少的精力和时间等。
第四，越来越多的大学生进行“职业前培训”。为了能更适应企业的工作，企业越来越重视人才的质量。大学生为了提高自己的竞争力，很多大学生多选择了“职业前培训”。
第五，促使大学生“创业观念”的产生。在金融危机影响下的大环境中，就业压力越来越大，大学生在学校、政府、社会的支持和帮助下，开始了自己的创业计划。
最后，就业压力下，越来越多的毕业生选择选择继续深造。在严峻的就业压力下，不少大学毕业生选择考研，继续深化自己的专业知识，以期避免就业市场低迷的时期。
那么，在金融危机面前，大学生该如何面对呢？以下我将提出我的观点和建议。
（1）大学生应该要保持乐观的心态，在看到“危”的同时，也要有发现“机”的慧眼。在经过比较分析市场动态的情况下，选择好的创业项目，争取社会、政府、学校等的支持，进行自主创业。这不仅可以避免就业竞争的残酷，而且，可以搞活整个就业环境，缓解就业压力。
（2）找工作时，要重视个人人力资本积累。在这特定的就业环境下，大学生可先选择在报酬较低的中小企业就业，也可从事灵活就业，包括临时就业、非全日制就业等，在就业过程关注个人的人力资本积累，寻找更好的职业发展机会。
（3）继续深造度过就业困难时期。大学生可以选择继续攻读研究生，一方面增加深化自己的专业知识，这一点伴随着知识经济的到来尤其重要，另一方面也能够避过劳动力市场不景气时期，期望在两三年之后能够找到更好的工作。
（4）要做好“培训工作”，充实、提高自己，增加自身就业的竞争力，实现自信就业。
（5）大学生应该转变就业观念，国家哪里需要人才，就服务到哪里。大学生不能再持以前的就业观念来“找工作”，不能一味向着大城市，不能沉醉于轻松、舒适的工作。而应该考虑服务中小城市，镇、乡村等，国家哪里需要人才，大学生就服务到哪里。
（6）要利用好社会关系网络。在我国文化背景下，社会关系网络的使用已是大学生实现就业的典型行为特征。特别是在就业市场紧张的环境中，人脉关系资源的使用对于成功求职就显得格外重要。具体的社会关系网，如：父母、亲戚、同学、朋友、校友等。
（7）大学生应该调整好就业心态，降低自己的就业期望，实行先“就业”再“择业”就业思维。
（8）大学生不要放过任何一个有价值的实习机会，提升自己专业知识和应用实践能力，以便提高自己的就业竞争力。
总的来说，在金融危机影响就业的情况下，大学生不仅要转变就业观念，实现灵活就业，而且还有不断的提升自身的素质，参加就业培训强化，扩充自身专业知识，积极利用学校、政府、社会等提供的条件，进行自主创业。
3
As a college student, what is important to you? Your friends, grades, the Eagles' score, weekend plans? Well, the current state of our economy should now become your top priority. Whether you realize it or not, this situation is going to directly affect our futures.
This crisis affecting the economy is one of the most significant events to occur during our lifetime and most college students are unaware of its severity. So much of our time is idly spent following celebrities and sports when we should be focusing on larger issues that actually impact our daily lives.
In less than one month, The United States of America will elect a new leader into the president's office. Whoever is elected in November has the daunting task of leading our nation into uncharted waters. No one knows exactly what is going on and what is going to happen. These are all reasons that we should be investing our time into learning about these issues and how they affect both our families and us.
As a result of the credit crisis, America's job market is going to be exceptionally tough to break into. According to the United States Bureau of Labor Statistics, there was a net loss of 159,00 jobs in September, bringing the year-to-date total to 760,000.
We as college students, should try to secure our futures while we can by making sure we are marketable enough to land a job after graduation.
Graduating seniors are not the only students who should be worried about what will happen over the next few months and the job market is far from the only issue affected by the crisis.
For those still in college and the many who will be entering college come next fall, money will be difficult to find. Federally guaranteed loans that offer fixed, below-market rates may require higher fees to borrow money and some students may be turned away by banks from the start.
Two of the nation's largest student loan organizations, the Pennsylvania Higher Education Assistance Agency and The College Loan Corp., recently announced that they are going to temporarily stop making federally guaranteed loans.
So what does this mean? Basically that with the rising cost of tuition every year, college, for some, is going to become less affordable.
We need to be paying attention to these fiscal issues because in a few short years, we are going to be paying off our current loans as well as dealing with the aftermath of the credit crisis.
Our generation will be key to electing a president who will have to face some of the toughest decisions of our nation's history. There is no reason or excuse for us to not be informed and not care about what lies ahead.
This isn't something our parents are going to have to deal with. Come January, Barack Obama or John McCain will be leading our country for the next four years into the unknown and this unknown is our future. Therefore, it is imperative we invest at least a little of our time into learning about the issues that truly matter.
4
As college seniors prepare to enter the workforce, job competition must be taken seriously, specifically for those entering the financial sector. According to UWire.com, "recruiters from banking firms are already skipping out on career expos and backing out of previous agreements as their companies are being bailed out by government loans or are looking to sell or merge with other banks."
Woodley said that he agreed that job stability in a shaky economy is a challenge.
"Employment is not going to be easy. You are going to be competing with highly qualified people who just lost their jobs," she said. "Understand that employment is going to be an issue and begin the job search early."
Senior business major Brad Venard anticipates employment challenges. "This financial crisis will more than likely affect me getting a job," he said.
Similarly, the housing market is being restructured.
"The people who are coming out five years ahead of you had more lenient (housing) terms. Those days are probably over," Woodley said.
The volatile economy is apparent in the housing market. "Most houses are going down in value. The equity has gone below what the mortgage is. You're paying for an asset that's not an asset," Collins said.
Collins said he recognized that there is no longer easy money for Generation Y to use to buy a house. "Samford's graduating class of 10 years ago could go into the labor market and buy a house with no money down. Also, 50 percent of the current generation's marriages have gone down the toilet. This is an outcome of easy money," he said. "(This generation) will be much less subject to the craziness of life."
"Should you be saving? Absolutely," Woodley said. "In the near term, being very smart would be best."
Senior business major Brad Johnson said he feels that saving is important for college-age students. "It will affect how much I save because banks are going to be less willing to loan money," he said.
Woodley suggested sitting down with a financial adviser to decide where to invest.
Easier times, in Collins' opinion, "prolongs youthful behaviors."
The next generation of Samford students and college graduates face different times.
"I'm not against youth, there's nothing wrong with going out. But you'll see fewer 30-year-old boys in this next generation. Their parents won't be able to help them as much," Collins said.
5
Everybody has been talking about how the credit market and plummeting stocks are disrupting our parents' overall financial well-being. However nobody, not surprisingly, is talking about what this will do to students. I decided to do some research and figure out what will happen to US.
First of all, I discovered that college students are seen as "risky candidates" for private loans. We are young, therefore unstable in the eyes of capitalism so the fact that these loan companies are in a crunch means that we are unlikely candidates for money. Even those of us who were lucky enough to get credit and had our loans approved are now seeing delays in distribution of that money. I met a woman named Susan who told me that her son had his loans approved, but after starting classes had his loans fall through like a bounced check. One can do little to ensure that this will not happen to you, so talk to registrars, financial aid counselors, and banks to know the status of your loan.
Loans are the obvious issue, but what people are not talking about is what happens after we graduate. Ironically, the Princeton Review named Business Administration and Management as America's most popular major. Obviously companies are cutting back on both full-time employees and interns to save money, so jobs are scarce. The same applies for public school education and nursing. All institutions are in a bind and will cut you out of the process before sending themselves into debt. My suggestion is to start applying for jobs and internships ASAP! This has become a numbers game, so get as many applications out there as you can and pray that at least one will stick.
6
Unless, in an act of desperation, you’ve locked yourself in a room without TV and internet to force yourself to finish your thesis or dissertation, you’re probably aware that we’re in the middle of a global financial crisis. Banks have failed, companies have been forced to make layoffs, and interest rates have plummeted. In short, the global economy is not good right now.
Like everyone else, I’m constantly bombarded by news coverage of the latest catastrophes in the financial world, and while it’s great to know what’s going on, a lot of times it’s hard to relate to the stories. Unless, of course, you’re a multi-million dollar investor who fell victim to Madoff’s Ponzi scheme, but if you’re a multi-millionaire, why are you even reading this blog?
Anyway, what I’m interested in exploring is how the global economic crisis has affected our everyday lives? You know, the lives of regular people like you and me, not the CEOs and other top executives.
For me, the impact of the global financial crisis has been surprisingly small. I consider myself extremely fortunate to have landed a full time job last year before the economy really started falling apart. Also, it’s a lucky coincidence that what I enjoy doing (my job) is in a “recession proof” industry (knock on wood). The most painful experience has been watching the balances of my Roth 401(k) and Roth IRA take a nosedive, but even though it hurts now, it’ll be fine in the long run because I still have a few decades before I even touch that money.
On the other hand, I know that not everyone has made it through this financial crisis unscathed. One of my cousins was just laid off from his job last week, so he’s now unemployed. The global financial crisis has definitely left a big impact on his life.
How has the global financial crisis affected you?
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Graduates under the Financial Crisis
The class of 2009 could be facing the bleakest job hunt for a generation now the global financial crisis has taken its toll on traditional graduate employment sectors.
Graduate recruitment has been either suspended or greatly reduced in many sectors of the economy, particularly in the corporate banking sector, leaving students with unprecedented levels of debt but few of the high-paying career options that successive governments have promised.
With graduate numbers increasing on an almost annual basis, any failure in the job market to reflect this increase will create a greater level of competition in an already crowded market. As a result, an increasing number of people are moving back in with parents after finishing university and failing to find a graduate job.
According to graduate employment website Milkround.co.uk, students’ biggest fear for the future is a lack of jobs. Additionally, students are increasingly shunning careers in the financial sector owing to fears over their security.
Spokesman, Mike Bernard said: "There are clear signs graduates will need to be more savvy than ever in their hunt for work and not rely on the usual high numbers of vacancies available in previous years".
Darius Norell, founder of graduate recruitment agency, Real World told The Times last week: “[Recruitment at] a lot of the large professional services, such as PricewaterhouseCoopers and Ernst & Young, is pretty flat, with graduate recruitment neither up nor down.
“But banks that are recruiting are taking on less people, and some banks have just stopped completely. It means the competition is that much more intense.”
As the annual Scottish Graduate Fair gets under way in Glasgow this week, its organiser Barbara Graham said: “I think everyone would acknowledge that the current economic climate is bound to have an effect on graduate recruitment – anyone looking at the facts would admit that.”
While banking organisations such as Northern Rock have suspended recruitment completely, reports are circulating that accountancy organisations will be creating jobs as they struggle to deal with the fall-out from the economic crisis.
Charlie Ball, deputy director of research at the Higher Education Careers Service Unit said: "It is going to be accountants who have to deal with all the financial fall outs and mergers; Lehman's effectively going under and the HBOS and Lloyds merger.
"It is accountants who are going to have to deal with the financial implications of all of that, it’s accountants who are going to have to scrutinise the bottom line, accountants who are going to have to pick up all the pieces."
Carl Gilleard, chief executive of the Association of Graduate Recruiters said that while things may look bleak, graduate recruitment will not grind to a complete halt. He told BBC News 24: “Looking to 2009 there is clearly uncertainty about the state of the market but all the hard evidence suggests that while it might tighten, it will certainly not collapse.”
He explained that graduate recruiters would not completely suspend recruitment, however difficult the economic landscape becomes.
“Employers have learnt from previous stop/start practices where employers who withdrew from the graduate market built up problems with their talent pipeline.
“They would also damage their brand by not maintaining contacts on campus and disbanding expert recruitment teams, leading to a corporate loss of memory and skills. To reduce numbers is significantly more favourable than suspending recruitment even for one year.”
The class of 2009 could be facing the bleakest job hunt for a generation now the global financial crisis has taken its toll on traditional graduate employment sectors.
Graduate recruitment has been either suspended or greatly reduced in many sectors of the economy, particularly in the corporate banking sector, leaving students with unprecedented levels of debt but few of the high-paying career options that successive governments have promised.
With graduate numbers increasing on an almost annual basis, any failure in the job market to reflect this increase will create a greater level of competition in an already crowded market. As a result, an increasing number of people are moving back in with parents after finishing university and failing to find a graduate job.
According to graduate employment website Milkround.co.uk, students’ biggest fear for the future is a lack of jobs. Additionally, students are increasingly shunning careers in the financial sector owing to fears over their security.
Spokesman, Mike Bernard said: "There are clear signs graduates will need to be more savvy than ever in their hunt for work and not rely on the usual high numbers of vacancies available in previous years".
Darius Norell, founder of graduate recruitment agency, Real World told The Times last week: “[Recruitment at] a lot of the large professional services, such as PricewaterhouseCoopers and Ernst & Young, is pretty flat, with graduate recruitment neither up nor down.
“But banks that are recruiting are taking on less people, and some banks have just stopped completely. It means the competition is that much more intense.”
As the annual Scottish Graduate Fair gets under way in Glasgow this week, its organiser Barbara Graham said: “I think everyone would acknowledge that the current economic climate is bound to have an effect on graduate recruitment – anyone looking at the facts would admit that.”
While banking organisations such as Northern Rock have suspended recruitment completely, reports are circulating that accountancy organisations will be creating jobs as they struggle to deal with the fall-out from the economic crisis.
Charlie Ball, deputy director of research at the Higher Education Careers Service Unit said: "It is going to be accountants who have to deal with all the financial fall outs and mergers; Lehman's effectively going under and the HBOS and Lloyds merger.
"It is accountants who are going to have to deal with the financial implications of all of that, it’s accountants who are going to have to scrutinise the bottom line, accountants who are going to have to pick up all the pieces."
Carl Gilleard, chief executive of the Association of Graduate Recruiters said that while things may look bleak, graduate recruitment will not grind to a complete halt. He told BBC News 24: “Looking to 2009 there is clearly uncertainty about the state of the market but all the hard evidence suggests that while it might tighten, it will certainly not collapse.”
He explained that graduate recruiters would not completely suspend recruitment, however difficult the economic landscape becomes.
“Employers have learnt from previous stop/start practices where employers who withdrew from the graduate market built up problems with their talent pipeline.
“They would also damage their brand by not maintaining contacts on campus and disbanding expert recruitment teams, leading to a corporate loss of memory and skills. To reduce numbers is significantly more favourable than suspending recruitment even for one year.”
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