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You Don't Need a Fancy Degree to Make a Lot of Money

Source: Yahoo
High-Paying Jobs, No Fancy Degree Needed

It is possible to prepare for a great-paying career without a fancy degree. Don't believe it? Read on to learn more.

We've all been told that going to college can significantly boost our earning power, but there are plenty of people out there who make lots of money without a lot of education.
In fact, some people even land great-paying careers without ever having finished college.
"There are some decent-paying jobs you can get with no degree whatsoever," says David Bakke, career expert at Money Crashers, an online guide to financial fitness. However, "I am of the belief that an associate's degree is better than no higher education at all," he adds.
Of course, there's no guarantee you can make a big salary with - or without - higher education, but if you don't have the time or inclination to pursue a bachelor's degree, here are a few careers you can consider where the potential for big salaries exist.

Career #1 - Web Developer

Find Degree Programs
Median
Annual Salary*
$63,160
Top 10 Percent of Earners*
$110,350
Bottom 10 Percent of Earners*
$33,320
Are you artistic and technically inclined? As a web developer, you can manage all the aspects of creating and designing fancy (or not so fancy) websites without needing a fancy degree.
Web developers are the folks who are responsible for the look of websites, their technical aspects, and sometimes their content as well, says the U.S. Department of Labor.
What You Need: You don't need an elaborate master's degree to enjoy a career using all of your artistic talents to design and create websites. In fact, the Department of Labor notes that education requirements for web developers range all the way from a high school diploma to a bachelor's degree. If you're interested in preparing to pursue a career as a web developer, what's most often required is an associate's degree in web design or a related field, says the Department.
Next step: Click to Find the Right Web Design and Development Program.
High-Pay Factor: The new model for business is a boon to web designers, according to Francina R. Harrison, founder of "The Career Engineer" website and author of "A Mind to Work: The Life and Career Planning Guide for People Who Need to Work!"
"Digital artistry on the Internet - also known as web design - pays well because businesses need that service," says Harrison. "But there's no need for a bachelor's degree," she adds, noting that a web designer's work is really based on his or her creativity and experience, two things that can't be taught.
"Demand for computer-based skills - such as web design - is so great that companies are less and less concerned with a candidate's academic background, and more focused on the skills the candidate possesses," adds Amy Moynihan, higher education researcher and content manager at Hanover Research, a leading higher education research firm.

Career #2 - Diagnostic Medical Sonographer

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Median
Annual Salary*
$66,410
Top 10 Percent of Earners*
$92,070
Bottom 10 Percent of Earners*
$45,840
You don't have to be a doctor with a fancy M.D. degree to help figure out what's ailing a patient. According to the U.S. Department of Labor, diagnostic medical sonographers help doctors by creating images of the body's organs using diagnostic imaging equipment and analyzing the results.
What You Need: Doctors need years of medical school and training to conduct and analyze diagnostic tests on patients. Don't have time for all that? The Department of Labor says that diagnostic medical sonographers just need an associate's degree or a postsecondary certificate, with many employers also requiring professional certification.
Next step: Click to Find the Right Diagnostic Medical Sonography Program.
High-Pay Factor: "Demand for this position is high and supply is low," says Harrison, noting that right now certification boards are okay with technicians just having the associate's degree.
According to Bakke, there's more to this job than what you learn in class. "Most of the skills needed to succeed are ones you don't typically learn in school," says Bakke. "These skills - such as compassionately interacting with patients and having a great bedside manner - are usually developed with practice over time."

Career #3 - Network and Computer Systems Administrator

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Median
Annual Salary*
$74,000
Top 10 Percent of Earners*
$117,150
Bottom 10 Percent of Earners*
$45,270
If you've got a natural knack for keeping computers running smoothly, you might not need a fancy degree to prepare to pursue a great career. As the U.S. Department of Labor emphasizes, network and computer systems administrators are responsible for the computer networks that are critical to just about every organization; supporting, organizing, and installing their computer systems.
What You Need: While you might think a position of such responsibility would require a massive educational pedigree, this is not always the case. According to the Department of Labor, some employers are hiring network and computer systems administrators with just a postsecondary certificate. Just keep in mind that most do require a bachelor's degree in a subject related to computer or information science.
Next step: Click to Find the Right Computer Science Program.
High-Pay Factor: It's hard to imagine a field that doesn't require a bachelor's degree offering a median salary of over $70K a year, but Bakke explains: "This career doesn't necessarily require a bachelor's degree because there are a variety of certifications available that will make you attractive to an employer," says Bakke. "Plus, if you have a decent amount of experience as a technician, you've likely encountered a lot of the issues that an administrator will have to deal with."
Harrison points out that the high-pay factor may relate to how vital the systems these workers protect are to companies.
"[These] companies have to protect their networks and their costly computer equipment - and they will pay handsomely to do that." But, she adds, "The six-figure money is made with an advanced degree, difficult [to earn] certifications and significant experience."

Career #4 - Dental Hygienist

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Median
Annual Salary*
$71,110
Top 10 Percent of Earners*
$96,690
Bottom 10 Percent of Earners*
$47,880
Do you want to help make the world better one smile at a time? Like dentists, dental hygienists care for your teeth; cleaning them, examining your teeth and gums for oral diseases, taking dental x-rays, and more, according to the U.S. Department of Labor. Unlike dentists, dental hygienists don't need years of dental school to help people with their teeth. They don't even need a bachelor's degree.
What You Need: Dental hygienists usually need an associate's degree in dental hygiene to pursue a career in this field, says the Department of Labor. All states require dental hygienists to be licensed, although requirements vary by state, the Department adds.
Next step: Click to Find the Right Dental Hygiene Program.
High-Pay Factor: The simple truth is that we need dental hygienists. "This is an amazing industry with growth potential - as everyone has teeth," says Harrison. "No doubt the associate's degree will get you in the door and working right away." If that seems too good to be true - given the pretty sizeable salary - keep in mind that this is a skill-based job, which is why you'll need the skills to succeed, rather than a lot of education.

Career #5 - Registered Nurse

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Median
Annual Salary*
$66,220
Top 10 Percent of Earners*
$96,320
Bottom 10 Percent of Earners*
$45,630
Nurses do many things that you might normally expect a doctor to do. According to the U.S. Department of Labor, registered nurses can administer medicine and treatment to patients, operate and monitor medical equipment, and help perform diagnostic tests and analyze the results, among other duties. What nurses don't do is spend years toiling away in medical school.
What You Need: Nurses typically get started with either an associate's degree in nursing (ADN), a diploma from an approved nursing program, or a bachelor's of science in nursing (BSN), according to the Department of Labor. They must also be licensed.
Next step: Click to Find the Right Registered Nursing Program.
High-Pay Factor: Again - we need nurses. And the need is so great that it makes the associate's degree a very valuable commodity, according to Harrison. "This is one of the best associate's degree programs out there, as there is a shortage of nurses," says Harrison. "Current state licensure only requires an associate's degree [from an accredited school] to take your RN exams."
Just keep in mind that while an associate's degree can get you started, it might not be enough for advancement down the road. "You will always have a job with this degree," Harrison adds. "But your growth [with an associate's degree] is limited, and you will only be a floor nurse in most cases. For higher pay in nursing, a bachelor's in nursing is golden."

Smart Career Moves for Middle-Aged Workers

Source: Yahoo

Smart mid-career moves

Burnt out at your current job or ready to reenter the workforce? Your past experience could serve you well in one of these careers.

Have you fallen out of love with your current job? The first step is realizing it. The next step is moving on.
Does that seem easier said than done? While it's true that making a career transition will take some effort, but the potential reward - a new career that you enjoy - is high. Plus, there are many jobs in which your prior experience might be an advantage, not a hindrance. If you've taken a little hiatus from working to raise a family, there are smart career moves you can make as well.
Keep reading to learn more about how to make the transition to six hot careers.

Career #1: Personal Financial Advisor

Find Degree Programs Perhaps you're the king or queen of your household's budgeting and super savvy when it comes to saving. Then you may want to use your head for numbers in a new arena as a personal financial advisor.
If you choose to pursue this role, you might find yourself offering clients advice on investments as well as insurance and tax decisions, according to the U.S. Department of Labor.
Why It's Well-Suited for Mid-life: Your mature perspective could win over clients in this career, says Tim Dugger, a career coach at Career Café, a company that offers career coaching in Indianapolis, Ind.
"Bringing more wisdom and life experience, mid-career individuals can relate better and more easily gain the trust of a wider segment of the population," he explains.
A background in sales and knowledge of complex regulations and financial analysis in an area such as real estate is ideal, says Joe Weinlick, vice president of marketing at Beyond.com, a career network focused on helping people grow and succeed professionally. Experience as an accounting and finance manager who enjoys working closely with people can also be a great background, he adds.
Next step: Click to Find the Right Finance Program.
In terms of credentials, a bachelor's degree is commonly needed to pursue a career as a personal financial advisor, says the Department of Labor. While employers usually don't require a specific area of study, degrees in finance, accounting, economics, business, mathematics or law are all suitable.

Career #2: Social Worker

Find Degree Programs If you've done some mid-life soul searching, you may have realized that you don't want to spend another day toiling away in a meaningless job. In that case, you may want to consider a career in social work, where you can put that big heart of yours to good use.
If you make the switch, you might find yourself helping people cope and solve their problems, according to the U.S. Department of Labor. You might also evaluate clients' needs and develop improvement plans.
Why It's Well-Suited for Mid-Life: This type of work offers people the chance to make a difference in the lives of others, says Dugger. "With a few years and maybe a child or two under their belt, people's perspective on life often changes," says Dugger. "As we mature, one of the single biggest things I've heard from my coaching clients is the desire for more meaning in their work."
Perhaps you have come from another line of work where you've developed strong interpersonal, listening, and problem-solving skills over the years. These are key qualities to have as a social worker, according to the Department of Labor.
Additionally, this would be a good switch for teachers who are ready to leave the education system but still want to make a difference, says Dugger. Clergy members may also find this type of work appealing.
Next step: Click to Find the Right Psychology Program.
While previous relevant work experience is valuable, education is essential. For entry-level positions, the Department says a bachelor's degree in social work is the most common requirement. Do you have a psychology or sociology background? The Department says some employers may hire candidates who have a bachelor's degree in these fields or other related specialties.

Career #3: Medical and Health Services Manager

Find Degree Programs Do you feel like your career is flat lining? Well, it may be time to shock some life back into it by pursuing a booming career as a medical and health services manager.
If you're looking for variety, this may be the right job for you. In this role, you may have the opportunity to work in a variety of settings, such as hospitals or doctor offices, according to the U.S. Department of Labor. Your duties may also vary from keeping up to date with laws and regulations to representing your office on governing boards and investor meetings.
Why It's Well-Suited for Mid-life: "Since doctors and medical professionals don't tend to be good administrators, they rely on business professionals [such as medical and health services managers] to manage their practice, facility, or department," says Weinlick.
"While prior health care experience is ideal, HR and accounting managers, as well as others with management experience in a complex regulatory environment, could successfully transition into this role," he explains.
Next step: Click to Find the Right Medical and Health Care Administration Program.
As for education, prospective medical and health services managers should have a bachelor's in health administration, says the Department of Labor. Master's degrees are also common in areas such as health services, business administration, long-term care administration, public health, or public administration.

Career #3: Technical Writer

Find Degree Programs Sure, the last time you wrote something substantial may have been a decade or two ago in college. But you've probably written reports and presentations at work since then. Heck, even writing a perfectly worded email takes skill. So if you'd like to make writing your sole professional focus, a career as a technical writer may be right up your alley.
So what exactly would you write about? In this profession, you might help communicate complex technical information into more understandable lingo for instruction manuals, journal articles and more, notes the U.S. Department of Labor.
Why It's Well-Suited for Mid-Life: This job requires breaking down complex concepts into simplified, easier to understand language, which is something most mid-career professionals have experience with, says Weinlick.
Plus, you could break into the field with some flexibility since some technical writers are freelancers or contractors, he says.
"It can be a great career for someone with experience in a technological field, such as programming or engineering, who is seeking an independent work environment," says Weinlick.
Next step: Click to Find the Right Communications Program.
But you'll need more than the work experience on your resume. Employers generally prefer a bachelor's degree in journalism, English, or communications, says the Department of Labor. Knowledge of a specialized field, such as medicine or engineering may also be required for many writing jobs. And because of the growing use of online technical documentation, web design experience is also helpful, notes the Department.

Career #5: Survey Researcher

Find Degree Programs Not shy about digging for answers? Or perhaps you've proven that you're a results-driven worker in your current career. You might want to apply your curiosity and work ethic in a new career as a survey researcher.
In this profession, you would be responsible for creating surveys and interpreting data, says the U.S. Department of Labor. Survey researchers ask questions in order to collect data for various companies or organizations who want to understand people's attitudes, opinions, or desires.
Why It's Well-Suited for Mid-Life: This is a suitable switch for a number of careers, including political scientists, sociologists, market research analysts, or others who are used to analyzing data or behavior and want to play a role in creating the research itself, says Weinlick.
"Good survey researchers know how to crunch numbers and how to identify meaningful data and trends. So if this is your strong suit, this might be the field for you," he adds.
Next step: Click to Find the Right Business Program.
Education is also essential in this field. While a bachelor's degree is sufficient for some entry level positions, most technical positions require a master's degree or Ph.D., says the Department of Labor. Undergraduate students may also benefit from taking business courses and social science courses. These professionals can have a master's degree in a variety of fields, including marketing or survey research, statistics, and the social sciences.

Career #6: Preschool Teacher

Find Degree Programs Are you looking to return to the workforce after taking a break to raise a family? Or are you just ready for a change of pace? If the idea of working with children seems fulfilling, you might want to consider pursuing a career as a preschool teacher.
In this profession, you would care for children who have not entered kindergarten, usually between ages three and five, and teach them standard subjects such as reading and writing, says the U.S. Department of Labor.
Why It's Well-Suited for Mid-Life: This is a great choice for mid-career professionals who are looking for increased flexibility, especially while raising a family of their own, says Dugger. Or if you'd simply like to explore your passion for making a difference in children's lives, this is a great area to start, he adds.
Additionally, "Former teachers who either can't find a position or don't want to be in the traditional teaching system can easily turn to the role of preschool teacher," Dugger says.
Next step: Click to Find the Right Child Education Program.

Five high-growth, high-paying careers

Source: Yahoo
In-Demand, High-Pay Careers

These $75K+ careers are projected to experience rapid growth from 2012 to 2022.

Thinking about pursuing a new career, but not sure where to start?
Following your heart has its rewards, but going after jobs with high growth - and pay - potential may prove the wiser choice if you're looking to pay the bills.
To help you sift through all the options, we looked through the U.S. Department of Labor data to identify some career paths that are projected to grow by at least 16 percent through 2022 and have a median salary of at least $75,000 per year.*
Keep reading to find out which careers score high for both growth and pay.

Career #2: Civil Engineer

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Median annual salary*
$79,340
Job growth from 2012 to 2022**
20 percent
Those with strong leadership and decision-making abilities and a firm grasp of mathematics may be a good fit for civil engineering.
Designing and supervising large construction projects for infrastructure, such as roads, bridges, and sewage treatment systems, are among the responsibilities of civil engineers, according to the U.S. Department of Labor.
Why they're in-demand: Civil engineers are in demand for a variety of reasons, depending on the specialty, writes Erin Bushnell, SPHR, director of human resources at Pennoni Associates Inc., an engineering and design consulting firm based in Philadelphia, Pa. Among the top reasons is the need for improvements in the United States.
"For example, transportation engineers are highly sought after due to an increase in funding in many states," Bushnell says. "We have an aging infrastructure and engineers are critical to making those much needed major improvements."
Next step: Click to Find the Right Engineering Program.
How to prepare: Civil engineers need to have a bachelor's degree in civil engineering or one of its specialties, according to the Department of Labor. To work as a professional engineer, one must be licensed, which means their degree must be from an ABET (Accreditation Board for Engineering and Technology) accredited program.

Career #3: Medical and Health Services Manager

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Median annual salary*
$88,580
Job growth from 2012 to 2022**
23 percent
Analytical, technical, and problem-solving skills are as critical as the abilities to communicate and interact well with others for success as a medical and health services manager. If that sounds like it plays to your strong suit, then you might consider this role.
Also known as a health care executive or administrator, these managers coordinate medical services either for an entire organization, such as a hospital, or a sector, according to the U.S. Department of Labor. They must also be able to adapt to evolving health care regulations and technologies.
Why they're in-demand: "Hospitals and doctors need someone to stay on top of the changes both in the law and technology, such as electronic records," says Papadopoulos. "They need someone to move them into the new century."
Next step: Click to Find the Right Health Care Administration Program
How to prepare: Requirements for this type of position vary by facility, according to the Department of Labor. Prospective managers should have a bachelor's degree in health administration. Master's degrees in health services, public health, public administration, long-term care administration, or business administration are also common, according to the Department.

Career #4: Software Developer, Systems

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Median annual salary*
$99,000
Job growth from 2012 to 2022**
20 percent
If you're a creative type with strong analytical, communication, and problem-solving skills, you may be cut out for software development. According to the U.S. Department of Labor, systems developers design computer programs, like the ones that allow you to do a specific task or run a device or network.
Why they're in-demand: It makes sense that in an age when just about everyone has a smartphone and computer, this occupation is projected to experience high-growth.
"There's a big grab for talent because of the speed of change in the field and the level of skill required," says Papadopoulos.
Next step: Click to Find the Right Programming and Software Program.
How to prepare: The Department of Labor states that software developers usually earn a bachelor's degree in computer science, software engineering, or a related field, though some employers might prefer a master's degree. They must be skilled at programming and understanding new tools and computer languages.
The Department tells us that developers will also be expected to have knowledge of the industry in which they work. For example, one who develops bank software programs should have at least a basic understanding of finance.

Career #5: Financial Analyst

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Median annual salary*
$76,950
Job growth from 2012 to 2022**
16 percent
Are you good with numbers and a great communicator, someone who is decisive and detail-oriented? Then you might be a match for a career in the financial industry.
According to the U.S. Department of Labor, financial analysts study the performance of stocks, bonds, and other financial instruments to help individuals and businesses assess potential and current investments.
Why they're in-demand: Employers are looking for those who understand changing regulations, which are designed to prevent the type of crisis that happened in 2008 from recurring, says Greg Menzone, executive manager of the financial division of Professional Staffing Group in Boston, Mass.
Organizations, in particular, want people who can help them be as lean as possible but still have the necessary resources for growth, says Menzone.
"Companies want to hire the best of the best among financial analysts, so they can stay nimble and get ahead of the game," he adds. "They're demanding analysts who can give them a crystal ball to prepare for 2014, 2015, 2016, and beyond."