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Want a Six-Figure Income Without Getting a College Degree of Any Kind? Here Is How

Copyright © 2007 Ed Bagley

As someone who has 5,000+ high-end clients who are interested in jobs and careers, I paid attention Tuesday when
I came across a story about six-figure incomes by Laura Morsch of CareerBuilder.com.

According to Laura Morsch and the United States Bureau of Labor Statistics, “physician jobs dominate the list of the nation’s highest-paying positions, holding 9 of the top 10 most lucrative jobs.”

Morsch reminds us that there are other high-paying jobs in our economy.

“Although statistically more education means better pay,” says Morsch, “you can land a very high-paying job with just a bachelor’s degree and considerable work experience.”

She then goes on to list these 9 examples: Chief Executive at $140,000, Airline Pilot at $135,000, Dentist at $134,000, Lawyer at $111,000, Air Traffic Controller at $106,000, Engineering Manager at $105,000, Computer and Information Systems Manager at $102,000, Marketing Manager at $102,000 and Astronomer at $101,000.

I have clients making
six-figure incomes in all of Morsch’s examples, however, you need more than a bachelor’s degree to realistically become a Dentist, Lawyer or an Astronomer; therefore, they are not good examples.

I have a client making $350,000 a year with a high school diploma.
I have another client making $144,000 who is a high school graduate with two additional years of technical training. A third client is making $250,000 with a high school diploma only. All three of these examples are men.

Men can make excellent money with a high school diploma in a number of occupations.

Women can also make $100,000+ with a high school diploma, but they tend to do it generally in three ways:

1) They own their own business, usually a small business that is very profitable. Some research organizations report that there are more small business owners making
six-figures-plus than
in any other job or occupation.

2) They work on a commision basis rather than having a salary. A sharp woman can many times outsell a man because of the dynamics between the sexes. A sharp woman calling on a male client many times gets more time and attention than a male calling on the same client.

3) They work in a financially-related position, such as a stockbroker, mortgage banker, mortgage broker, loan officer or chief financial officer.

Here is some information you can use if you are
a high school graduate and have zero interest
in getting a bachelor’s degree at this point in your work career: go into sales if you have any people skills or personality.

Sales is the second highest paid profession in the world, and it does not usually require a college degree. There are some corporate sales jobs that do require a degree, but there are many more opportunities available if you can generate sales production.

There is not a single business in America that cannot benefit from more sales, and almost every one will pay for sales production.

Here is some even better news: If you are selling and producing big time and the owner or company is too cheap to compensate you at the level you should be compensated at ($100,000+++), dump the owner or company and sell for someone else.

A far better idea would be to start your own business, go into competition directly against the cheap owner or company that would not pay you, and wipe them off the map.

There really is no reason you should be working for someone else anyway. Working in your own business can be an outstanding deal. You call your own shots. You will not fire yourself, lay yourself off, or deny yourself promotions, fat bonuses for production, outstanding benefit packages, and a lot of time off to enjoy your money and family.

The nine examples listed above have 7 positions that amount to no more than hired help, that includes the Chief Executive position. Only the Dentist and Lawyer positions might be either self-employed or hired help.

All nine examples cited by Morsch and the Bureau of Labor Statistics have more stress than anyone needs and are labor intensive. Even the Dentist and Lawyer positions, which might be self-employed, require them to report to work or not get paid. If a Mac truck runs over either them, their income stops in a heartbeat.

Has anyone ever heard of income-producing investments when these job opportunities come up? Income producing assets allow you to take possession of your own time while your investment throws off the income to fund your lifestyle without working a job.

It might be fancy to have any of those nine jobs with status and making $100,000 a year. Some people would rather make $250,000 a year and not have a job, have a boss, and deal with the stress.

Here is a rare career path: Own the business, company or organization and hire the six-figure people in the examples above to work for you. There are people who would gladly pay the above examples their listed wages when they could make $250,000 free and clear and not work.

Who needs status and aggravation when you have money?

Life Is Full of Rejection: Take Harvard University – 22,955 Student Applications and 20,897 Rejections

Copyright © 2007 Ed Bagley

I opened my Friday newspaper and was reminded again that life is full of rejection.

Take Harvard University for example. No less than 22,955 eager applicants applied for admission to Harvard this fall and only 2,058, or 9%, were accepted. A whopping 20,897 applicants came up short of admission.

Actually, Harvard University calls its undergraduate school Harvard College. Nonetheless, all who were admitted are certainly among the chosen few.

According to the Bloomberg News, students fared a little better at Brown University, which admitted 14% of its applicants, and the University of Pennsylvania, which admitted 15%.

The article said that “Harvard’s undergraduate tuition, room and board and other mandatory fees will rise to $45,620 and financial aid will increase to the highest in the school’s history, $103 million. About 26% of the incoming class is eligible to attend free of charge or at a reduced rate.”

Students from households making less than $60,000 annually can attend free, and students from families below $80,000 can get a reduced rate.

According to the Harvard University Gazette Online, just over half of the incoming class are women (50.5%), and records were set for minorities, including African Americans (11% rounded), Asian Americans (20%), Latinos (10%) and Native Americans (2%). Students from 79 countries are represented in the Class of 2011.

All of those statistics are good news if you were admitted. Here are some interesting facts about some of those who were not admitted:

1) Harvard admitted 2,058 students and nearly 2,500 of the applicants scored a perfect 800 on their SAT verbal test, almost 3,200 applicants scored a perfect 800 on their SAT math test, and more than 3,000 applicants were ranked first in their high school class.

2) If every student that scored 800 on his or her SAT verbal or math test and there were no duplicates, then more than 3,600 students did not get admitted. At least 900 of those students graduating No. 1 in their high school class also missed out.

It is a good thing I did not have my heart set on a Harvard education.

I never took a SAT to get into Michigan State University. I did not need to take a foreign language, trigonometry, calculus, statistics and probability, physics or chemistry to graduate from high school, and I did not take those courses, but I did graduate.

To all of the rejects of the world, I have some good news: you can make it in the game of life anyway.

A Harvard education might open more doors to success on the job, and you may or may not feel better about yourself, after all, the competition at Harvard looks pretty stiff.

I got into Michigan State because if you lined all of the incoming Class of 1966 at Harvard for a middle distance race and fired a gun, I would probably have been first across the finish line. So there you have it, talents differ.

While the tree was talking big to a squirrel about how unimpressive he was, the squirrel replied that maybe he was not as big and strong as the tree, but neither could the tree crack a nut.

Here are three facts about Harvard that impress me and I believe them to be true:

1)  Harvard is recognized as the oldest institution of higher learning in the United States. Harvard was founded in 1636 and celebrates its 371st anniversary this year (375th in 2011).

2)  Harvard was the first organization in the country to become a legal corporation. This fact really surprised me because I thought it would have been a business, not an educational institution.

3)  Harvard has an endowment of $29+ billion (not million, billion). That is a lot of cash invested that allows it to help a lot of students who would not otherwise attend Harvard even though they might qualify.

I graduated from Michigan State University 41 years ago this June (45 years ago in 2011). Had I paid for my college education it would have cost me approximately $12,000, and I graduated without any student loans.

The cost of an education for the Class of 2011 at Harvard will be more than $182,000. Someone will pay that cost. I sure am glad it is not going to be me.

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