1- How schooling for a bachelor's degree, and K-12 Education
 could cost you $1 a year or less each year.

2- Is Your Government screwing students and taxpayers to
 eliminate
competition for education lobbies, and brick-and-mortar schools?
3- A partial ultimate course content wish list
4- How could you test these students so they would get an accredited degree?
5- Very little of Endowment funds go to Students!
6- How could we, the students, solve the high cost-education-problem?
7- Student Grant, Loan, and Scholarship Tutorial
8- 750 free, or low cost textbooks by category, and info:
9- World-Wide Free Courses
10- Open Source Education
11- Free course-credits by taking Tests

12- A list of 100 free and partially free colleges for you
13-  All Colleges by-- Costs, Age, Size, Statistics, and Rankings for
 Grad, On-Line, and K-12  Schools, International Schools

14- Check each College's Accreditation
15- World Digital Libraries
16- The Internet Archive (IA) is a recorded memory of  all the web since it started + TV broadcasts
17- Free Cell Phone Service, Find lost Cellphones
18- All types of software for your potential use
19- Home Schooling
20- How all governments increase your costs by preventing competition

21-
Site-Map/Contents Privacy Statements, Terms of Use

1 ---------------------------------------------------
1- How schooling for a bachelor's degree, and K-12 education
  could cost you $1 a year or less each year.

  This is an attempt to bring the cost of education
from
  kindergarten to a bachelor down to $1 per year, or less by
  all people, countries, and states sharing course costs, and
  thus having much more course content. This site will
  provide links to thousands of free textbooks, courses, and
  general helpful information from many countries to cut
  taxes, improve learning, so the poor can be educated.
                                                                    
  The typically highest wages that a U.S. professor gets is
  $212,000. per year. Salaries vary yearly from adjuncts
  getting 50 cents an hour wrote one adjunct , as much of the
  work they need to do, and do, is unpaid work (Counseling
  students, for example.) Three quarters of college professors
  are adjuncts, $1000 per course hour means that many
  adjuncts get  $3000 for a 3 hour credit course which allows
  low costs for schools, but not enough teacher time to
  create student understanding of the student course content.
 
  Many professors teach at several schools in the same term.
  (So they say.) Limiting teachers to such low wages also limits
  the time they can put in their courses. At this low rate for
  course creation for 145 core courses would only cost 145x                                                                        
  $3000.00= $435,000.00  for most of the core education in the
  world, but would not allow for enough clear course content
  to create understanding, and this results in only brick and
  mortar school which are to expensive.

  U.S. Professor salaries:                     
   External link http://chronicle.com/stats/aaup/%29


   Professors Salaries Worldwide--Exterior Link
    http://www.insidehighered.com/news/2012/03/22/new-study-analyzes-how-faculty-pay-compares-worldwide

   Although some professors
get $1,000 for teaching per course
  hour, in
our case much more is needed and expected from
  each  professor. (Are universities, schools, teachers the only
  way to go? Should we consider all other options,
and what
  are these options that you may invent? Study this issue and
  figure it out. YOU tell me! Use group soursing, the combined
  ideas of many people to figure it out!)

  What are the cost that go into education? College textbook
  writers rarely earns more than $100,000 total
for one textbook,
  ($25,000 would be the total earnings for a
very successful
  textbook, but $10,000 is a typical total
earnings for a
  textbook). (Occupational Outlook Handbook,
2010-11 Edition
   
  External Link--Copy and Paste in Search Engine-

  -http://www.bls.gov/oco/ocos320.htm

   Authors Salary External Link
    http://answers.yahoo.com/question/index?qid=20070928105106AASUK5n

 
  Courses could cost up to $600,000 each (or $200,000 for
  course creation + $200,000 for software, + $100,000 for
  textbooks, texts and testing, + $100,000 for management fees
  to tie all this together totals = $600,000.)

  These-course-creation-costs are much higher than normally
  paid because they would include software, features and
  qualities
that would provide more understanding with much
  less explanations, and buildings
thus teaching, and tuition  
  costs  could be drastically reduced. With cost-sharing no
  one would be to poor to get an education.
   

  Eighty courses could be provided for most of the students
  needs for various bachelor's
degrees. At 5 courses per year
  from kindergarten to 12 grade you are adding 65 more  K-12
  courses or a total of 145 courses from kindergarten through
  a bachelor degree you need 145 courses costing $600.000
  x 145 = $87,000.000 to educate
most of the world's
  population from kindergarten through the bachelor level.
  These cost
would include on-line textbooks, courses in print,
  braille, or voice plus all the other needed features for a
  broad spectrum of student learning and addition features
  not now included by any school that I am aware of.

  (These stated costs, are speculations, which can be
  experimentally determined, but if each of the U.S. population
  of 313 million residents paid only 28 cents each year they
  would have paid all these costs.) $87,000,000 / 313,000,000,
  = about 28 cents for each year of education it is easily
  possible,
or if each of the 87,000,000 taxpayers that paid
  any tax at all paid only one dollar instead of the
  $41,000,000,000+ they were taxed just for Pell Grants
  which paid for only part of the students education the 87
 million costs would have been paid for all the students
education.
 
  With these quality courses you could eliminate the
  duplication, re-inventing of the same course 100,000 times
  as now is done in the world-wide schools, and this would
  reduce educational taxes and cost, all over the world, as
  these improved courses could be shared online by all
  countries of the world, and provide the saved billions to
  pay for part of the creation of energy
with the sun and
  wind thus saving all that land which may soon be flooded
  by our  wasteful course duplication, or our lack of money to
  prevent the ocean reaching 400 feet over our head, as it
  has gone in past geological times.

  Each Yearly student Shared Cost in listed student groups.
  One person Paying =                          $87,000,000.00  
  21,800,000 U.S. College Student in 2013        =  $3.99
  77,300,000 U.S.A., K-12, + College Students   = $1.13
  313,000,000 U.S.A. Residents                          =      .28 
  World's 1,500,000,000 English Speaking people =  .06
  (There are more English speakers in either China or India
  than in the U.S.A.)


  These courses could be
taken in the comfort of one's home, 
  or
elsewhere over the Internet. This procedure would
  decrease the cost of living for everyone, including
people who
  never had any schooling, because the cost of education and
  taxes would be much less,
the poor could be educated, the
  quality of life would go up. Your personal life and country
  would be better.
Why don't governments and teachers
  understand this?
  2----------------------------------------------------

 2-
Is YOUR Government screwing student
s and taxpayers to    
  eliminate competition for education lobbies, and brick-and-
  mortar universities?

  The table shows the yearly cost, per student of getting a

  College Degree, and the cost of kindergarten through High
  School courses in countries, states, and groups of various
  sizes, (with group
buying.) It costs $48,000,000 to provide
  the educational
material for 80 bachelor degree college
  courses, and
$39,000,000 for kindergarten through high
  school, or $87,000,000 for both combined
if e-books, and
  lectures are provided by podcast over
the Internet. The
  Pell Grant Recipients, with sharing, could pay these cost
  themselves with each paying $9.06, and save the
   $41,000,000,000 the taxpayers spend on Pell Grants each
  year, but colleges would object because this money is
  really
used to fund the wasteful duplications of courses by
  the 50 states and colleges. People in all countries, and
  states usually do not think of the welfare of everyone and
  strive to eliminate their competition from other states and
  businesses, thus life becomes difficult. This is how the  
  bulk of politician make most of  their living by blocking
  competition with licensing regulations, and educational
  requirments is their favored way.

Group Population
size
Shared cost
of College
each year
Shared Cost of
Kindergarten
through high
school
each year
Shared Cost of
Kindergarten
through College
each year
1 student $48,000,000 $39,000,000 $87,000,000
Pell Grants
Recipients
9,600,000+
$5.00 $4.06 $9.06
China
1,339,724,852
3.6 cents 2.9 cents 6.4 cents
India
1,210,193,422
3.9 cents 3.2 cents 7 cents
U.S.A. 
313,000,000
15.3 cents 12.4 cents 28 cents
Indonesia
237,556,363
21 cents 16.4 cents 37 cents
Brazil
190,732,694
26 cents 20.4 cents 46 cents
Japan
127,950,000
38 cents 31 cents 69 cents
Pakistan
187,342,721
25 cents 20.8 cents 46 cents
Bangladesh
158,570,535
30 cents 24.5 cents 54 cents
Russia
136,739,892
35 cents 28.5 cents 63 cents
U.K.
61,284,590
78 cents 63.6 cents $1.41
World's English
Speakers
1,500,000,000
3.2 cents 2.6 cents 5.8 cents
World's Mandarin
Speakers
1,300,000,000
3.6 cents 3 cents 6.6 cents
World's Spanish
Speakers
452,480,979
10.6 cents 8.6 cents 19.2 cents
World's
Population
7,000,000,000
7/10 cent +
translation
costs
 .005 cent +
translation
costs
.01 cents +
translation
costs
U. S. College Students 2013
21,800,000+
$2.20 $1.79 $3.99
U.S College +
K12 Students
99,100,000
63 cents 52 cents $.88
California
37,691,912
$1.27 $1.42 $2.31
Texas
25,674,681
$1.86 $1.52 $3.38
New York
19,490,297
$2.46 $2.01 $4.47
Florida
19,057,542
$2.51 $2.05 $4.56
Illinoia
12,869,257
$3.72 $3.04 $6.76
Pennsylvania
12,742,886
$3.76 $3.07 $6.83
Ohio
11,544,951
$4.16 $3.38 $7.54
Michigan
9,876,187
$4.87 $3.95 $8.82
Georgia
9,815,210
$4.90 $3.98 $8.88
North Carolina
9,656,401
$4.98 $4.04 $9.02
New Jersey
8,821,155
$5.45 $4.43 $9.88
Virginia
8,096,604
$5.93 $4.82 $10.75
Washington
6,830,038
$7.03 $5.72 $13.75
Massachusetts
6,587,536
$7.29 $5.93 $13.22
Indiana
6,516,922
$7.37 $5.99 $13.36
Arizona
6,482,505
$7.41 $6.02 $13.43
Tennessee
6,403,353
$7.41 $6.10 $13.51
Missouri
6,010,688
$7.99 $6.49 $14.48
Maryland
5,838,289
$8.23 $6.69 $14.92
Wisconsin
5,711,767
$8.41 $6.83 $15.26
Minnesota
5,344,861
$8.99 $7.30 $16.29
Colorado
5,116,769
$9.38 $7.63 $17.01
Alabama
4,802,740
$10.00 $8.13 $18.13
South Carolina
4,679,230
$10.26 $8.34 $18.60
Louisiana
4,574,836
$10.50 $8.53 $19.03
Kentucky
4,369,356
$10.99 $8.93 $19.92
Oregon
3,871,859
$12.40 $10.08 $22.48
Oklahoma
3,791,508
$12.66 $10.28 $22.94
Puerto Rica
3,706,690
$12.99 $10.29 $23.28
Connecticut
3,580,709
$13.41 $10.90 $24.31
Iowa
3,062,309
$15.68 $12.74 $28.42
Mississippi 2,978,512 $16.12 $13.10 $29.22
Arkansas 2,937,979 $16.34 $13.28 $29.62
Kansas
2,871,238
$16.72 $13.59 $30.31
Utah
2,817,222
$17.04 $13.85 $30.89
Nevada
2,723,322
$17.63 $14.33 $31.96
New Mexico 2,082,224 $23.06 $18.73 $41.79
West Virginia 1,855,364 $25.88 $21.03 $46.91
Nebraska 1,842,641 $26.05 $21.17 $47.22
Idaho
1,584,985
$30.29 $24.61 $54.90
Hawaii
1,374,810
$34.92 $28.37 $63.29
Maine
1,328,188
$36.14 $29.37 $65.51
New Hampshire 1,318,194 $36.41 $29.59 $66.00
Rhode Island 1,051,302 $45.66 $37.10 $82.76
Montana
998,199
$48.09 $39.08 $87.17
Delaware
907,135
$52.92 $43.00 $95.92
South Dakota 824,082 $58.25 $47.33 $105.58
Alaska
722,718
$66.42 $53.97 $120.39
North Dakota 683,932 $70.19 $57.03 $127.22
Vermont
626,431
$76.63 $62.26 $138.89
Washington DC
617,996
$77.68 $63.11 $140.79
Wyoming
568,158
$84.49 $68.65 $153.14
New York City 8,175,133 $5.87 $4.78 $10.65
  With extra large classes some electronic and processing       
 fees could also occur, hopefully not large, and these lat
er      
 determined costs would need to be added to the above chart.


  One reason why costs in brick-and-mortar schools is so              
 expensive is because each type of the same courses are         
  needlessly being recreated, each year, for classes as                
  small as ten students,  or about 4,168+ times for this many U.S.         
  colleges, 17,036+ times for the worldwide colleges,
82,000+        
  times worldwide for all K-12 schools
, and 18,435+ times
  only for this many U.S. high schools. Almost no course
  sharing occurs, and there are 16,216+ various kinds of state
  school boards in the 50 states, and the 50 states
are also
  duplicating each others work, to different degrees. (Actually
  the duplications are much higher because in many schools
  several teachers duplicate the same courses).                                                            
   Exterior Link--
http://en.wikipedia.org/wiki/School_district                                 

  Re-inventing, duplicating the education course wheel by all
  countries, state, and federal governments, not sharing course

  costs, the 16,216 school boards, and palatial buildings are the
  major causes of high education costs. These are the reasons,
  that many people can not get an education.

        
  Please don't tell me that regular college and K-12 courses      
  that teachers are paid as little as $1,000 per course hour to    
  create would be as
good as $600,000 course that have            
  thousands of more hours of
work on them, have video,            
  variable audio, software to
answer question, practice graded  
  tests, produced in voice,
Braille, in bold, variable print, with    
  the index linked to the text
pages, words linked to definitions,
  are worked on again and
again in every way, are interactive,   
  have constant peer to peer review, and can be listened to       
 repeatedly at home, in prison, on the media, yet cost students
  pennies with group
buying, and have a tuition and government
  tax cost less than any schools have now. Some professors     
  get as little as 50 cents per hour for their course. How            

  much time, and money do they have to carefully do all this      
  work?                                                                                           


3 -----------------------------------
3- A partial ultimate Course content wish list.
  a. The lecture vocabulary would be given before a lecture with
  the pronunciations and definitions of terms that can be
  skipped or clicked on.

  b. The preliminary background knowledge required for
  understanding the lecture, and a link to this knowledge
  provided in the lecture text, can be clicked on or skipped.

  c. Possibly many more than the number of course lectures
  than the average school provides with much more detailed
  background knowledge which can be discussed (or linked
  to). References to other sources, such a videos, books, and
  movies could be included.

  d. Intelligent Software that all by itself can answer a student's
  questions on a particular subject and an awareness, by the
  software, of the student's missing background knowledge
  from the questions asked, and a direct link to that source.
  On the TV game show Jeopardy, a computer called "Watson"
  was used to challenge the best human minds, and with
  questions limited to one course, (instead of 10,000,000
  documents that "Watson" was programmed with) why can't
  this goal be achieved? This could eliminate the need to ask
  questions personally to a frequently unavailable professor or
  teaching assistant.

  e. Each computer course links to websites so that questions
  can be asked on the Internet, with other students answering
  when the questions have not been answered by course
  software, or professors.

  f. All textbooks would be included online and any word that is
  clicked on would be defined, and pronounced. If a page
  number in the index is clicked on, you are taken directly to
  that page.

  g. Interactive software could be available.

  h. Public laboratories available to citizens and students (to
  complete course exercises given by schools for credit could
  be created in many cities. (one such lab exists in New York
  City now.}

  h. -2 A podcast virtual teaching laboratory in which one
  learns much as is learned in an MIT Laboratory, but possibly
  more, and with video, and odor displays.

  i. Courses in Braille, Pictures, Voice, different languages,
  adjustment for print size and color, perception problem,
  volume and pitch control, other sources for the same
  knowledge, etc.

  j. Courses adjusted for understanding from  professor-speak
  to clearer language from student review of what the professor
  had said.

  k. In your comments, you could add to this course content

  wish list your additional wish list items.                             

  It would be ideal that a course language could be   translated
  to all languages at the click of a key, and this might someday
  happen. If all 1.5 billion English speaking people shared the
  $48,000,000 cost of these 80 courses all of Harvard's 6,700+
  undergraduates could be educated for a total cost of $215 or
  about 3.2 cents each year instead of more than $50,000+
  each
or a total cost  now of $335,000,000 +. (Harvards
  undergraduates would save, in 4 years, more than
  $1,339,999,140.  This paragraph alone demonstrates the
  extreme waste of our education system.

  Any university, primary, or high school could not afford to pay
  the course cost of this ultimate course education wish list for
  just their own in school use, but with countries sharing these
  costs are affordable. Education for  bachelor degrees, primary,
  and high school podcasts courses can be provided for pennies
  that would be superior to existing courses in the current brick-
  and-mortar schools, and China's, India's, and the world's
  educational problems would be solved.

  There is a shortage of high school science teachers. Podcast
  courses would solve this problem, and provide, podcast
  lessons to replace absent teachers, as well as providing

  courses too short to take a whole semester. Sick people,
  people that cannot leave their homes, the prison population,
  and trades people, (including vocational training) could all
  learn in their current location, and very advanced high school
  students could get their bachelor degree before finishing the
  12th grade.
 
   What do you, we, need to do to provide inexpensive, quality
  education, and overcome any educational lobby or other
  political resistance to this change?To start, you could          
  advertise by spreading the word, on the social media of this  
  educational method and website, (to get people started!!!!!!)  
  Or, you could walk, at your college campus or your K-12       
  school, on the PUBLIC sidewalk, adjoining the PUBLIC street,
  and exercise your PEACEFUL, free speech rights with this     
  sign.
How schooling for a bachelor degree, and K-12 education
  could cost $1 a year or less as explained in:                           
  PodcastInternationalUniversity.org                                         

  Check the Chronicle of Higher Education article about        
  Chronicle.com/article/Overuse 
Abuse-of-Adjun... Some         
  Adjuncts average about 50 cents per hour as much or their  
  work time is not counted (or they earn $1000 per course     
  credit hour) and they usually have no voice in the                 
  management of the University they work for, which is         
 frequently more than one.                                                       


  Now there could be additional student access, and
  processing fees that would be needed to be met if all these
  people actually signed up as every costs must be paid.
  Experimentation would determine a final cost, hopefully
  nominal.

  Other-language speaking countries could translate these
  podcast courses, modifying them to suit their individual
  language, religious, and cultural needs, and if their citizens
  took these same podcast courses, much of the world's
  education problems would be solved, and cost would no
  longer prevent people from getting the job they wanted
  which is now blocked because people do not have the money,
  or time to go to college, and blocked by licensing laws and
  irrational requirements which make no sense and require a
  degree before one can go further in school, or even get a
  wanted job. This, to some degree, happens in all countries.
4 -----------------------------------
4- How could  these students be tested so they
would get
an
accredited degree?

  After studying each individual course, taking their lesson tests
  on that course, and feeling ready for that final, each student
  could be tested on their home computer, or at high schools,
  etc, while being photographed with face, iris, finger, or key
  stroke identifying software.                       

 The many final-test questions of a large bank of questions, 
  would be randomly re-mixed after each test taker. The
  course software would notify the accrediting entity when 

  each person had passed individual finals, and when the
  required number of course finals have been passed each
  student could get credit from a course accrediting entity

  hopefully recognized by all countries, state and federal
  governments, as meeting their  requirements for a degree.
  Life would be enriched, simplified, and cost drastically less.
  The poor would then not be denied an education. (More
  educated males and females often have fewer children.
  This could lessen population runaway growth, and cause
  less global warming, and the oceans from rising over our
  heads as past geological records have indicated)

 Chronicle article on finding cheaters—Exterior Link
  http://chronicle.com/article/High-Tech-Cheating-on-Homew/64857/

  Ways to stop online cheating-External Link
  http://chronicle.com/blogs/wiredcampus/pace-u-researchers-work-on-new
  -way-to-stop-online-cheating/31421?sid=wc&utm_source=wc&utm_medium=en


  Currently people travel to their universities, or schools to get
  their education. Much gas, money and time is consumed that
  could be saved to learn. In their 10 minutes to two hour trip to
  class and back, lives are risked in traffic, on average, wasting
  a half gallon of gas traveling back and forth, spending up to 2
  hours daily in traffic, walking between classes, waiting for
  class to start, and getting back home. This is frequently more
  time that they spend studying. In a modern, efficient podcast
  world this waste is eliminated. Now thousand of professors,
  in all countries, give the same lecture on identical course
  subjects, often in the same school, types of buildings,
  needing grounds and building maintenance, police service,
  administrative controls, plumbing, etc. One podcast can
  replace this expensive duplication in the 100,000+ world
  schools on the same course subjects. Waste, and all these
  thousands of then unneeded trips, buildings, administrators, 
  sidewalks, grounds service people, and teachers, then would
  be freed to do other important work elsewhere and this would
  save trillions. 

  In some countries up to 19% of their budget is spent because
  of wasteful education duplications, and this prevents people
  from fulfilling their other equally important personal needs.
  (Of an estimated $l.l trillion being spent yearly in the U.S. on
  education, at all levels,  a substantial majority came from
  state, local, and private sources. External Link
  http://www.ed.gov/ U. S. students now owe about 1.2 trillion
  for their past student loans, and many spend years paying
off these loans!

  A study being carried out by the geographer, Ronald Dorn at
  Arizona State University suggests that students who use free
  online textbooks perform as well academically as students
  who buy expensive copies from traditional publishers. South
  Korea already has Robots do some of their teaching.  
                                                                                                 
  Primary and Secondary teachers could have their students 

  listen to these podcast courses at home, else where and
  spend their own class
time clarifying the subjects. Classes
  could be larger, of much higher
quality, substitutes could be
  mostly eliminated, and as much
more time of research, and
  money would have been put into these non-duplicated

  courses, the quality would be much higher. Parents, students,
  home
schoolers and prisoners could listen to that days class
  repeatedly, on the Internet, that night, while sick in bed, or at

  any time. (If a teacher is absent the online version of that days
  class could be put up for in-class viewing)


  A Universal Internet Language would then have been created,
  trillions would have been saved. All this because of world
  group buying, and a cooperative, loving spirit. Now 50 states
  and all governments are duplicating each others efforts, and
  wasting and loosing billions of their taxpayer's money by
  duplicating the same courses 17,036 times in that many world
  -wide colleges, and 82,000+ times in that many K-12 schools,+
  duplicated several times in many individual school. Also, there
  are over 16,000 school boards in the U. S. with much
  duplication of their work.--External Link
  --http://en.wikipedia.org/wiki/School_district

  An interesting video indicating how teachers time could be
  saved insuring quality teaching with podcasts thus class
  teachers time could be used for in-class clarification instead
  of
just lecturing, and the software in these interactive courses
  could
immediately tell the teacher what the students had not
  understood.
External link- Let’s use video to reinvent education

  UNESCO, Goggle, the Bill and Melinda Gates Foundation,
  the William and Flora Hewlett Foundation, India,
China,
  Wickipedia, You Tube, Mark Zuckerberg, Alfred P. Sloan
  Foundation,
U.S.A., U.K., ,
Netflix, + for only $.88 from          
  each of the 21,800,000 U. S college and 77,300,000 K-12    
  students could pay the $87,000,000 needed to create these

  same non-duplicated 
145 core-courses and provide these    
  courses instead of the $60,177 cost that some students     

  alone
pay yearly for their tuition.                                           

  The average 4 year degree student spends $1916 dollars just
  for gas in their 1095 days of travel back and forth to school,
  (at a half gallon of gas per day with $3.50 gallon gas,) These 

  same brick-and-mortar students waste 2190 hours in their 4

  years of schooling, at 2 hours per day, while traveling back
  and forth to school and waiting for class to start. This is more

  time than the average student spends in study to get their 4

  year degree.
All governments are wasting their citizens
  money by colluding with their educational lobbies
to prevent
  educational competition against the brick-and-
mortar-school.
5 -----------------------------------
5- Very little of Endowment funds go to Students


  Total Value of U.S. Endowments to colleges and Universities
equals $411 billion, with 76 of these institutions having total
endowment assets of more
 than one billion. Harvard University
alone, has $32+ billion. The average payout to education is 4.6%
per year of the total endowment assets, with the larger endowed
colleges paying ouf only 4.4% on average, but some pay much less
of their total endowed assets. Students get very little of the money
given. 
List of U.S. Colleges, and Universities by endowments
Per college,   Per student, and by growth. Each of 73 colleges
could provide the funds to educate all of earth's students

from kindergarten to a bachelor degree for 11 or more years
with the money they already have in their endowment funds
if this money was used to create the 145 shared courses the
average student needs to study their core courses, and get
their degree in their chosen profession.
  http://en.wikipedia.org/wiki/List_of_colleges_and_universities_in_the_United_States_by_endowment

  http://search.yahoo.com/search?fr=mcafee&p=Use+and+purpose+of+college+and+university+endownments

 6 -----------------------------------                                                                                                                                                            

6- How could we, the students, solve the high
cost education problem
?

  There could be 145 core educational podcast courses that we 
  could study from kindergarten through a bachelor degree that 
  most of us need to learn to perform our jobs. 

  Pell Grants were created, and taxed taxpayers 41 billion 
  dollars. This money goes mostly to universities through 
  10,000,000+ students just to pay for part of their education 
  after high school while it could pay for all their education.
  This averages out to about $41,000,000,000/ 10,000,000
 
  students = $4100 dollars to each student for each year of 
  their college education. Using more complete podcasts, it 
  could pay for all their education from kindergarten through 
  a bachelor degree. The government gets a lot of credit for 
  this carelessly spent money but the citizens do not get the 
  benefits they would have if the money was spent in other 
  ways.

  Of the about U. S. 87,000,000 taxpayers that pay any tax at
  all this amounts to about $41 billion /$87 million taxpayers = 
  $471.26 per paying taxpayer. But if you charge each of these  
  taxpayers only $1 each year this would pay the $87,000,000 
  podcast cost of education from kindergarten through a 
  bachelor degree, and save each taxpayer 
$470.00 dollars 
  in taxes and pay not just part but pay for all of the 1.5 
  world's billion English speakers education.

  Or, by establishing a crowd-funded, 501(C)3 or 4, non-profit.         
  endowment, to create 145, core-courses from kindergarten
  through a bachelor degree, on the Internet to all of the world's
  students in the 100,000 world-wide colleges, and K-12 schools, 
  and for home study with no brick and mortar, formal schooling
  needed to access these courses, yet accreditation, with
  degrees awarded as a result of final tests passed, and  having
  very low costs, with easily understood text, and video, these 

  courses, in text, voice, Braille, video
with practice tests, and
  software to answer questions, and explore the students 
  needed, and lacking knowledge in the studied subjects, 
  with included e-books, and course content that could be used 
  for self teaching and modified by any school or country, with
 some undecided restrictions, and to meet their countrie's 
  educational, social, language, religious needs and preferences.
 

  Start-up schools, or school that charged or did not charge, 
  would already have these free courses ready
 for their use. 
  Then
 we could create a coop-student -university, and get  
  prices for a year of accredited K-12, and bachelor-degree
  training down to costs all students 
can afford.
These 
  courses would be constructed to contain the spirit and  
  instructional methods intuited, or 
suggested in the following 
  article.

 Rethinking the Way College Students Are Taught 
  http://americanradioworks.publicradio.org/features/tomorrows-college/lectures/rethinking-teaching.html

  Students can not take in and process all of the 
  information in
typical lecture. Course content needs 
  clarification,
technology change, and peer
to peer 
  review.

  Now huge endowments are collected and wasted with 
  students typically getting only 1% to 4.6 % of these funds. 
  ($411+ billion is the total U.S. college endowments. This 
  amount could
pay for 4724 years of course costs for most of 
  the world's education from kindergarten through a bachelor
  degree ($411,000,000,000/$87,000,000 = 4724 years), or 

  Harvard's endowment ($31.728 billion) would pay for 364
  years, and MIT's endowment
,
($9.713 billion) 111 years
(73
  colleges could educate all of the U. S. A. students from 
  kindergarten through a bachelor degree for 11 years with 
  just one of their one billion in endowments and save the 
  $451,000,000,000 billion currently spent for the same thing 
  each 11 years, with Pell Grants. This means that the U.S. 
  goverment is spending 5184 times the amount actually  
  needed to educate these same amount of people with only 
  the money they wasted on Pell Grants every 11 years.

  A student-education-coop, is needed, as long as degree
  granting is not falsely blocked for the benefit of universities,
  colluding governments, and other money takers.
These
  stated course costs would
include on-line textbooks, and
  have more complete content than any course
you have ever  
  taken, have thousands more hours of work on
them, have
  video, variable audio, have software to answer
questions,
  practice graded tests, produced in voice, Braille, in
bold
  variable print, with the index linked to the text pages,
  words
linked to definitions, are worked on again and again  
  in every way,
are interactive, have peer to peer review and
  can be listened to repeatedly on the Internet, cost tuition
  of pennies with group buying
but are too expensive for any
  school to create with their small class size. 
We need a
  peaceful students, and voters revolt in the U.S., China,
India,
  etc., and a students coop-University to plan and create honest
  needed features, (not dishonest features included only to get
  dishonest money). This should be closely monitored. These
  once created courses could be given to charging and free
  tuition school for the benefit of all the people of the world,
  and to make it possible for everyone to get an education,
  and yet save each of us money while costing us individually
  pennies.   $87000000/7000000000000= 1.2 cents. So, each
  person on earth would need to pay 1.2 cents, each year  to
  pay the cost of creating their education from kindergarten
  through college.

7 -----------------------------------
7- Student Loan, Grant, and Scholarship Tutorial. (With    
 podcasts, you will not need this loan section because
 costs will be so low.)

  lf you start studying student grants, scholarships, and loans
  early you may save thousands. Colleges get a kick-back.
  Your college may not be the cheapest source for your loans.

 
 Funding Education beyound High School--
  A Federal Student Aid Guide

  -
http://studentaid.ed.gov/students/publications/student_guide/2008-2009/english/typesofFSA_grants.htm

  Sources of Free money for you to go to College
  --External Links
  http://www.collegescholarships.org/grants
  http://www.en.wikipedia.org/wiki/Scholarship
  Free student grant money that does not have to be paid back,
  (except by the taxpayers)
   http://en.wikipedia.org/wiki/Pell_Grant

  "Secrets to Winning a Scholarship" by Mark Kantrowitz"
  (9781456459949) book with advice about how to find and win
  a scholarship or fellowship, paperback, $9.95.He also
  publishes two websites about financial aid
  Exterior Links

  http://www.fastweb.com/ and
  http://www.finaid.org/


  Search Engine Search Terms to try: 1. financial aid, 2. grants,
  3. financial aid + (your state name); 4. grants + (your state
      name)
  5. scholarships + (your state name) 6.loans + (your state name)
  7. foreign student financial aid 8. international financial aid
  9. student loan + (your state name)
10. (cheap student loans)
  11. (Scholarships by Major, Grade level, + your state name)
  12. (Scholarships by financial need, race, religion, gender)
  13. (Scholarships by medical history or aboriginal history)
  14. (Scholarships by other student factors by whether you
  study at home or abroad by specific field of study by personal
  & athletic achievement, etc)
for more info and ideas see:
  Exterior Link
http://www.en.wikipedia.org/wiki/Scholarship

  Sources of Free money for you to go to College
  External Link--
http://www.collegescholarships.org/grants/
  http://www.en.wikipedia.org/wiki/Scholarship

  Scholarships for the Disabled
  http://www.disabled-world.com/disability/education/scholarships/

  Nine Student Federal-Aid Programs Exterior Link
  http://en.wikipedia.org/wiki/FAFSA

  Six hundred five (605 State Aid Programs) Exterior Link
  http://en.wikipedia.org/wiki/State_aid_programs

  For grant programs from various states like Cal Grants from
  California http://www.csac.ca.gov/doc.asp?id = 20 use this
  search term: financial aid + state name
  http://www.csac.ca.gov/doc.asp?id=111

  Financial Aid
Exterior Links

  http://studentaid.ed.gov/PORTALSWebApp/students/english/index.jsp

  http://www.direct.ed.gov/parent.html

  http://www.fastweb.com/
  http://www.finaid.org/
  "Secrets to Winning a Scholarship" by Mark Kantrowitz"
  (9781456459949) paperback, $9.95. He also publishes two websites
  about financial aid

  Loans from 0% to over 14% exist. You just have to find them!
  http://en.wikipedia.org/wiki/Student_loans_in_the_United_States#Stafford_loan_aggregate_limits
  http://en.wikipedia.org/w/index.php?title=Student_loan&oldid=494732872

  Federal
PLUS loans-
parents can borrow up to the full cost of
  attendance at a college, minus any other aid the
family is eligible
  for.
 http://www.direct.ed.gov/parent.html

  Perkins Loans
 Federal Perkins 5% Loan with no payment due till 9 months 
  after graduation and no payback at all for some students
. On 
  $5,000 of Perkins-loan debt, the monthly payment is $53 over 
  ten years. Perkins loans can be discharged (cancelled) in full 
  or in part when you are employed at certain kinds of work, 
  including these full time jobs: teacher, when your school 
  serve
a low-income area, you teach special-education 
  students, or you teach math, science or other subjects with 
  a shortage of teachers; nurse or medical technician,
  enforcement or corrections officer, full-time employee of a 
  child, or family-service agency in a low-income community, 
  or full-time Peace Corps volunteer. (Certain loan forgiveness 
  is considered as income by the IRS.)

   http://www2.ed.gov/programs/fpl/index.html

  Private Loans

  Home-equity andprivate lenders loans may be useful.

 Nellie Mae,(Braintree, Mass., 800-367-8848
 http://www.nelliemae.com/) offers parents EXCEL 
 education loans at variable rates that are calculated 
  monthly or annually. The annual rate is prime plus 2 
  percentage points, the monthly rate is prime plus 
  0.75 percentage point, at the
beginning of each
  month.

  Sallie Mae makes supplemental student loans, called
  Signature Loans, for up to the full cost of college. The

  interest rate is variable, the prime rate plus zero to two

  percentage points.
A fee of 0% to 6% is subtracted 
   from the loan
proceeds. https://www.salliemae.com/

  TERI offers the loans through several lenders,  Bank of America, 
  Bank One, First Union and PNC Bank.
etc. The rate is prime 
  minus 0.5 points. TERI charges a 5% to 6.5% origination fee. 

  (800-255-8374;  http:// www.teri.org

  Student loans in the United States 
  en.wikipedia.org/wiki/Student_loans_in_the_United_States

  Sources of Free money for you to go to College External Link
  http://www.collegescholarships.org/grants/

  Free student grant money that does not have to be paid back,
  (up to $5500) http://en.wikipedia.org/wiki/Pell_Grant

  Funding Education beyound High School-- A Federal
Student
  Aid
Guide
  --
http://studentaid.ed.gov/students/publications/student_guide/2008-2009/english/typesofFSA_grants.htm

8 -----------------------------------
8- 750 free, or low cost textbooks by category, and info:
 http://www.collegeopentextbooks.org/opentextbookcontent/open-textbooks-by-subject

 61 languages, free with texts and pictures.
  http://www.cIhildrenslibrary.org/icdl/SimpleSearchCategory
  en.childrenslibrary.org

  New at iTunes U: Free E-Books-Oxford, Rice, and the
  Open University have added digital books to the lectures
  and other materials available on the education-content,
  creating forums for reader interaction.

  Five million books to preview or read for free
  http://books.google.com/

  Google 3 Million ebooks External Link
  books.google.com/ebooks


  National Academies Press announced it would offer its
  entire PDFcatalog of books for free, as files that can be
  downloaded by anyone (4000 Books) The National
  Academies Press http://www.nap.edu/


  Examples of some available open textbooks, which
  generally are free, if used for noncommercial purposes,
 are on this Website. External Link:
 http://www.maketextbooksaffordable.com/

 Copy and paste in search engine

 Art History e-book http://smarthistory.org/

 Early English Books Online (EEBO)

 Free E-Books (33,000): External Link ProjectGutenberg

  In your search engine put in: free ebooks
 
  Free but not open textbooks
  http://oerconsortium.org/copyrighted-digital-textbooks/

  Eighteenth-Century Collections Online (ECCO),
  Early American Imprints (Evans). Collections of old books online

  E-book sharing sites such as: External Links
  http://www.scribd.com/


  Ebook sources
CourseSmart.com enter ISBN, Title
  author or keywords, copyright year, edition, or subject (on
  line or down loadable, 12,496 items+) $6.95 & up for 360 days.
  External Links


  Literary Classics, etc, etc, etc External Link Google Books

  Open Library -a Lending library 9313 works, and 10,784
  ebooks, with more coming External Link
   http://openlibrary.org/subjects/lending_library

  Chronicle of Higher Education Article:
  Professors Put Textbooks Online to Reduce Costs

  Experimenting with online publishing, three professors offer
  their textbooks free to help students
.


   World's largest digital library of education literature

  http://www.eric.ed.gov/

  Journal Index 1999 till present 
  http://www.eric.ed.gov/journals/

 Apple’s iBooks
  http://itunes.apple.com/us/app/ibooks/id364709193?mt=8

 Buy cheap textbooks External link
 http://www.sccbooks.com/

 Link to learning material external link
 http://www.oercommons.org/

 Compare online bookstores, Amazon, Barnes and Noble,
 eBay, Varsity Books, and eFollett.com.

 Textbook Developer Adds YouTube Videos to E-Books Exterior Link
 instructional videos from e-textbooks sold by Kao Inc.
 Students will be able to access Khan Academy's

Publisher External Link http://www.FlatWorldKnowledge.com/
promised free access to all of its E-textbooks.

 Compares your potential supplier's prices by subject,
 author, or ISBN & etc. External Links
 http://www.cheaptextbooks.com/
 http://www.half.com/Textbooks
 http://www.textbooksrus.com/
 http://www.chegg.com
 http://nationalbookrentals.co/

  Use a comparison shopping service such as: Exterior Link
  Best Book Buys (lets you compare the availability of books
  from up to 20 bookstores, including shipping, handling and
  taxes)

  Four of the largest textbooks publishers in the U.S.
  Exterior Links http://www.pearsoned.com/
 http://www.cengagelearning.com/ http://www.mcgraw-hill.com/
  Houghton Miffin Harcourt http://www.hmhco.com/

  Additional Textbook publishers: External Links:
  http://www.Bookboon.com/
  F. A. Davis Company exam review Products
  http://www.fadavis.com/

 Flat World Knowledge http://www.flatworldknowledge.com/
 Jones and Bartlett Publishers http://www.jblearning.com/
 John Wiley & Sons http://www.wiley.com/
 Sage Publications http://www.sagepub.com/
 W.W. Norton & Co. http://www.norton.com/

Publishers Costs:


  64% to 67% of the cost of a new textbook goes to the
  publisher, 9% to 12% to the author, 2.5% to the freight
  company, 9% to 22.7% to the store or college, and 12.5% to
  the bookstore, (University of Phoenix converted to electronic
  books years ago, to reduce costs and compete for students.)


 Textbook finding Suggestions from Students

 1. Provide multiple copies of each college assigned
 textbook in the library.

 2. Students donate their used course text at the end of the
 course to the library. (if the library will shelf your book)

 3. Share your copy on different study days. Ask professors
 to put their copy for students in the school library.

 4. Search through the free OCW (online course ware) for
 textbooks used in the course area of your interest, and learn
 from that on line textbook used in the free course, so you will
  have the knowledge you need in your textbook-less course:
 Example: Calculus Online Textbook, (with instructors, manual,
 guide and video, from "MIT OpenCourseWare")

 5. Students, themselves should provide master lists of
 online free textbooks in all subject categories.

 6. Faculty should know and consider costs of their
 assigning books and identify book costs in syllabi.
 Students could inform professors that violate this rule.

 7. Faculty should list books early so that students can
 investigate all purchasing options, and avoid ordering new
 editions when they do not contain significant changes from
 past editions.

 8. Buy books on the international market.

 9. Gamble by not buying the required books.

 10. Use on-campus bookstores as a resource to gather price
 information and ISBN codes for early buying, for shopping
 online.

 11. Compare online bookstores, Amazon, Barnes and Noble,
 eBay, Varsity Books, and eFollett.com.

 12. Search each vendor individually or use a comparison
 shopping service such as Best Book Buys (lets you
 compare the availability of books from up to 20 bookstores,
 including shipping, handling, and taxes), or Big Words.

 13. Meet students in your major through campus clubs
 organizations and buy books through those acquaintances
 and friends.

 14. Many of the classics such as Shakespeare's plays, are
 available or free online at sites like ProjectGutenberg, that has
 thousands of free e-book titles available for downloading.

 15. Consider buying an older, used edition of a particular
 textbook.

 16. Some colleges have a book recycling bin outside their
 bookstores, (suggest one).

 17. Some colleges and alumni associations offer small     
 scholarships to help needy students with textbook costs.

 18. Some textbook publishers offer online versions of
 textbooks that students subscribe to for a semester or more
 without having to buy a copy of the book.

 19. Ask professors to use free, online, open-source
 textbooks whenever academically appropriate. Online
 textbooks-Pearson Education, which operates online as
 SafariX Textbooks Online has online versions of some of its
 titles. Several widely used economics textbooks are available
 online at Aplia. Ask your professor if there is an online
 version you need.

 20. Check out the Student PIRGs- Public Interest Research
 Groups: Exterior Link http://www.studentpirgs.org/ from
 which many of these ideas came from.

 21. Examples of some available open textbooks, which
 generally are free, if used for noncommercial purposes, are
 on this Website. External Link:
 http://www.maketextbooksaffordable.com/
 Copy and paste in search engine

 22. Put the list of required texts in registration materials so
 students would have time to shop.

 23. Use a publishing house that offers books in the public
 domain for $10 to $30s.

 24. Free textbooks list

 http://www.studentpirgs.org/open-textbooks/catalog

 25. Lobby Congress to establish a grant
 program for open textbook authors.

  26. Promote open source, free source textbook with students
  searching for such authors, (and giving professors lists.)

  27. Provide your list of online free textbook sources which
 others should add to.

  28. Public, private schools, and different countries could
  work together, hire authors, and publish identical textbooks,
  by the millions, and cut costs by 90% or create open course
  books that each country could modify to suit their own
  preferences. Example: China, USA, India, Pakistan, and
  Afghanistan all could use the same modified open course
  textbooks, online or paper. 

  Open textbooks are free or inexpensive, on the web
  and modestly priced for downloads, use on eReaders,
  or in bound format.
 -http://chronicle.com/article/As-Textbooks-Go-Digital-Will/124881/?sid=wc&utm_source=wc&utm_medium=en
 Public Library of Science  open access   http://www.plos.org/

  MegaReader iPhone App Gives Access to Internet Archive's
1.8 Million Free Books in a Personalized Reader

 750 free, or low cost textbooks by category, and subject:   
  http://www.collegeopentextbooks.org/opentextbookcontent/open-textbooks-by-subject

150 free textbooks of various subjects copy and paste link
Exyrtior Links
http://www.openculture.com/free_textbooks

 Free textbooks list
 http://www.studentpirgs.org/open-textbooks/catalo
   HathiTrust Digital Library, millions of  free books
  http://www.hathitrust.org/ 

  Journal Index 1999 till present  

  http://www.eric.ed.gov/journals/

                                                                                                                                              
  Learning and teaching tech aids

  Subscribe to the free"Tech Therapy" podcasts by Chronicle
  of Higher Education listed in itunes (which is free software
  on the Internet that you download using the key word
  "download itunes" in your search
engine.Shortcut to above:
  External Link
  http://itunes.apple.com/us/podcast/chronicle-higher-education/id261225205
  an MP3 file
(on evaluating IT)


  Free Flash Card Software for remembering and reviewing.
  External Link http://ankisrs.net/

  Example of a free learning tool that is a better teacher than
  you get in colleges. (words are pronounced, defined, explained,
  etc.) We need 80 such tools in core courses that are paid for by
  all English, and Mandarin Chinese speaking countries and
  translated into other desired languages. External Link

  http://www.genome.gov/glossary/index.cfm?

  With Skype videoconferancing services ("Skype in the class
  room"), guest speakers, professors, and students can attend
  lectures remotely via the web. Teachers share tips, experts,
  resources, links, teaching ideas, pair classes, and chat. With
  standard video conferancing, homeschoollers could share
  with each other, in other countries, in all kinds, and levels
  of formal and informal schools.
  Exterior Link http://education.skype.com/cam
 http://www.oovoo.com/home.aspx Exterior Link
  It is like Skype but allows for multiple video chats simultaneously.

  Support Forums are being used to help students help each         
  other,  creating chat-rooms, extending classroom discussions,  
  answer questions, and assisting with homework. Look for them.


  CourseSmart, http://www.coursesmart.com/, Alternative Media
  Access Center, http://www.amacusg.org/about.php, and Access
  Text Network, http://www.accesstext.org/
, are translating       
  digital Textbooks into braille and scanning with text-to-speech
  computer software, so that they can be read out loud.             


  Instructure will make most of its software platform available
  for free under an open-source license. Instructure is a
  course management software company. External Link
  http://www.instructure.com/



9 -----------------------------------
9-
World wide Free Courses

 Exterior Links to 5910+ free University Courses (any link
  that does not work copy and paste it in YOUR SEARCH
  ENGINE)

  Free online Education -External Links- grouped by

  Language | Institution Name | Country | Courses |

  Advanced Course Search | OpenCourseWare Websites

  Countries with Open Course Ware (free online education):
  Click Country, school, course, Language External Links from:
  http://www.ocwconsortium.org/members/members/country/AF
  MIT free course list of 2100+ courses by subject
  http://ocw.mit.edu/index.htm
  website-tools.net/google-keyword/word/mit+free+courses

 MIT's free courses for self learners--Exterior Link
  http://ocw.mit.edu/courses/ocw-scholar/
  http://www.oercommons.org/browse/keyword/gateway-courses

  MIT Media Lab (To explore for general interest ) Exterior Link

  http://www.media.mit.edu/

  MIT Course resources
  http://ocw.mit.edu/courses/physics/

  Free Courses Harvard
  http://www.extension.harvard.edu/open-learning-initiative

  http://cmeonline.med.harvard.edu/index.asp?CurrentSection=2


  Free Courses Yale
  http://oyc.yale.edu/

  Free Courses Princeton
   http://www.virtualprofessors.com/directory/university/princeton

  Free Courses Stanford
  http://news.stanford.edu/news/2012/march/online-courses-mitchell-030612.html

  Free Tufts Courses
  
http://ocw.tufts.edu/Schools/1

  Hundreds of free courses, video lectures, and supplemental materials
  from universities in the United States and China

  http://archive.org/details/education


  Free Courses use these key words in your search engine:
  free courses Yale, free courses Princeton, free courses MIT,
 free courses Stanford, free courses, free online courses + your
  subject, free video online courses, free video lectures,
  engineering courses, management courses, courses + your
  favorite words,
video courses + your favorite words. death,
  genetics, astronomy
(audio video science lecture courses)

  MOOC Courses List- To get mooc courses put each of the
  following in your search engine: 
mooc harvard, mooc mit,
  mooc stanford, mooc courses
, free mooc courses, etc.

  PBS system-wide online library contains video, audio, images,
  games, and interactive simulations, etc.

  http://www.wyomingpbs.org/education/library

                                                                                          
 Open Education reduces barriers and costs to entry.  
  http://en.wikipedia.org/wiki/Open_educational_resources
 
  Example: Open University in Britain and Athabasca University
  in Canada
http://archive.org/details/educatio
   Open Source Books = http://www.archive.org/details/opensource
  Open Source Movies = http://www.archive.org/details/opensource_movies
  Open Source Audio = http://www.archive.org/details/opensource_audio


  Thousand+ free popular courses Exterior Link
  http://www.khanacademy.org/

  Free Flash Card Software for remembering and reviewing.
  External Link http://ankisrs.net/ 

  Wonderful Info with video and audio on technology, entertainment
  design, business, science and global issues--Exterior link
  http://www.ted.com/

  NOVA
  http://www.pbs.org/programs/--Programs A to Z
  http://www.pbs.org/wgbh/nova/
  http://www.pbskidsplay.org/promo/CKH222--For Kids
  http://www.pbs.org/wgbh/nova/teachers/-For Teachers
  http://www.pbs.org/wgbh/nova/archive/ -Listed A to Z by year and categories
  http://www.pbs.org/wgbh/nova/teachers/schedule.html-Listed by Future TV Schedule
  http://www.pbs.org/wgbh/nova/teachers/resources/title.html--Listed by Title
  http://www.pbs.org/wgbh/nova/teachers/resources/subject.html-Listed by Subject
  http://www.pbs.org/wgbh/nova/listseason/28.html - 2811 Listed by Year Made
  http://www.pbs.org/topics/history/ List by History


10 ----------------------------------
10- Open-course-software

  
Low cost schooling in India for remote areas
  http://en.wikipedia.org/wiki/National_Institute_of_Open_Schooling

  Carnegie Mellon University’s Open Learning Initiative –a portfolio of 
  highly interactive
multi-media courses Open course software

  http://oli.cmu.edu/

  http://oli.cmu.edu/get-to-know-oli/learn-about-our-courses/ - tab-open-free

  100 Intro Open Courses
    http://www.bestcollegesonline.com/blog/2010/05/12/100-intro-open-courses-on-everything-youve-ever-wanted-to-learn/

  70+ Open Courseware Links for Game Designers and Developers ...

  http://www.onlineschools.org/study-hall/100-excellent-open-courses-on-green-technology-development-and-design
  Open Education reduces barriers and costs to entry.
  

  http://en.wikipedia.org/wiki/Open_educational_resources
   Example: Open University in Britainand Athabasca University
  in Canada


11 ---------------------------------------------------
11- Free College course credits by taking Tests,

  accepted by
2,900 colleges
 
for 40 years.
College-Level Examination
  Program (CLEP) , developed by the College Board, the people
  behind AP and SAT, is a 40 year old examination program,
  accepted by 2,900 colleges
and universities and
  administered in over 1,700 test centers. These 20 tests,
  each an hour long, examines your mastery of college-level
  material acquired through general academic
instructions,
  independent study or extracurricular work, in five general
  subject areas: English, history, languages,
mathematics and
  science, and will allow a college to give
you college credit in
  each passed subjects, if they are willing.
You could reduce
  the cost of your education by studying these 20 subjects, on
  your own, and thus save the course charge for the passed
  course subjects, and
you could verify this by calling various
  colleges. Then register for the test online. If you speak more
  than one languages you could also get college credit by
  taking a test for the additional langages. In your search
  engine put: (where to take Clep exams) Also, check
  colleges to find out if any will give you course credit for any
  free Internet course you have taken from MIT, Standford,Yale,
  etc., or  any subject you have studied on your own.

12 --------------------------------------------------
 12- A list of 100 free and partially
free colleges Exterior Link
  http://www.advantageedu.com/blog/2008/100-free-college-rides-you-dont-need-daddy-to-pay-for
  http://www.usnews.com/usnews/biztech/articles/060910/18free.htm

  Http://www.saylor.org has an online Catalogue of 240+, free, self-
  paced, non credit college courses, including textbook that you could
  take. No registration or fees are required to take these courses and
  you can get a certificate, and badges.   
  http://en.wikipedia.org/wiki/The_Saylor_Foundation
  Michail Saylor's personal belief and desire is that education should be
  free so everyone can get an education. He is now paying authors,
  $20,000 each to create free textbooks for all of his 240+ courses,
  and is working with StraighterLine, an online course provider, to get
  academic credit for freely available courses
. (How many people that
  you know would do something like that for you?)                                                           

  Students can study these free courses on Saylor.org and then enroll
  at StraighterLine to take an exam. After passing, they will receive
  American Council on Education  recommended credits. Students
  could also enroll in a StraighterLine program, using Saylor’s free
  course materials  as they go along. You may need to check the
  transfer-ability of this offer. These companies will team up with
  George Mason University and  Northern Virginia Community
  College to offers students an easier method of transferring credits
   between institutions.  Listen to a talk by Michael Saylor at the
   National Press Club:     

  http://www.microstrategy.com/events/national-press-club/

  Free Tuition for Pregnant single women under 18 and married
  pregnant women under 21
, at some colleges in some states. Check
  your state for this free offer, it exists in Florida, and hopefully in
  other states!


  Free Tuition for anyone who got a grant or forgiven loan
,
for many
  reasons. Check our Grant, loan, and Scholarship Tutorial, check
  this website
www.fastweb.com/ , use these keywords: Free college,
  on the internet, and search your own mind for some even better
  keywords. Sometimes your idea is the best one you will ever hear.

  

  Free
Tuition for Vets  in most states under the Department of Veterans
  Affairs
Yellow Ribbon Program, and
other programs--U.S. Map
  links to specific colleges in each state that provides tuition
.                 
  http://www.gibill.va.gov/gi_bill_info/ch33/YRP/YRP_List_2010.htm

  Free college for children and spouse's of California Service
  -Connected Veterans Dependents Educational Assistance'
  --External Link--

  http://www.calvet.ca.gov/vetservices/education.aspx
  http://www.calvet.ca.gov/vetservices/benefits.aspx

  Six states that offer free tuition for Veterans: Connecticut,
  Illinois, Montana, Texas, Wisconsin and Wyoming. Exterior Link
  http://suite101.com/article/free-tuition-for-veterans-a59833


  Free tuition for Vets in Colorado 
   http://www.fastweb.com/financial-aid/articles/3195-free-college-tuition-for-veterans-at-select-schools

  Free college for the bli
nd information--External Link 
  http://en.wikipedia.org/wiki/Need-blind_admission

  Books-Royal National College for the Blind--External Link  


  http://en.wikipedia.org/wiki/Royal_National_College_for_the_Blind
  http://en.wikipedia.org/wiki/Book:Royal_National_College_for_the_Blind

  Assistive technology for the blind and impared at RNC on this link 
Hoop
 Mountbatten Brailler
 RoboBraille
 Talking Tactile Tablet
 Vinux
         http://en.wikipedia.org/wiki/Perkins_School_for_the_Blind
   Free Tuition for Disabled 
   http://www.disabled-world.com/disability/education/scholarships/

  Free tuition for Childred of disabled Vets
   
http://www.disabled-world.com/disability/education/scholarships/

  List of free scholarships for the disabled
  http://www.disabled-world.com/disability/education/scholarships/
  http://www.freemoneyfornursingschool.com/

  Search for nursing school grants  
  bhpr.hrsa.gov/nursing/

  http://www.counterfeitdegrees.com/alternatives/state-funded.htm

  Free Tuition for American Indians
  http://www.fortlewis.edu/financialaid/NativeAmericans.aspx
  http://www.naihc.net/index.php/training/tuition-free-training/
  http://www.ehow.com/info_7826113_tuitionfree-college-american-indians.html

  Try these key words in your search engine: Free tuition for:
  seniors, university employees,
native American nursing students
  http://www.uopeople.org/groups/tuition-free-education

  Free Tuition Free Music Courses

  http://education-portal.com/article_directory/Education_Insider_News_Blog.html

  Free High School

  http://www.mext.go.jp/b_menu/hakusho/html/hpab200901/detail/1305888.htm

  Check YOUR rights under this law                                                    
   
 164.2842 Free tuition at state-supported school for survivors
  of police officers, firefighters, or volunteer firefighters
  permanently and totally disabled in line of duty -- Free tuition
  at state-supported school for survivors of other state-
  administered retirement system
disabled participants .   

13 --------------------------------------------------

13- All Colleges by-- Costs, Age, Size, Statistics, and Rankings 
for Grad, On-Line, K-12  School, International, Business, Law, 
etc., and foreigh schools

  National Center for Education Statistic
  http://nces.ed.gov/collegenavigator/

 All Colleges by Size, Age, Cost
  http://collegestats.org/colleges/all



  Rankings for Colleges, Grad,  On-Line, Business, Law, K-12
  Schools, and Global Ranking.


  World Wide College Rankings
 http://en.wikipedia.orgWorld Wide College Rankings_and_university_rankings

 http://www.usnews.com/education

  Ranks College, Grad School, High Schools, and On-line Schools
  Exterior Links:

  http://colleges.usnews.rankingsandreviews.comm/best-colleges
  http://en.wikipedia.org/wiki/College_and_university_rankings
  http://www.collegechoicesforadults.org/
  Book- "Bear's Guide to Earning Degrees by Distance Learning"


  Princeton Review Rankings
  http://www.princetonreview.com/college-


  College Choices for Adults -Compare 3 college choices,
  included are student demographics, satisfaction rates,
  retention and completion rates.


  Law School Rankings
  http://en.wikipedia.org/wiki/Law_School_Rankings

Business School Rankings

http://en.wikipedia.org/wiki/List_of_United_States_business_school_rankings


  Ranking K-12 Schools
  http://schoolmatch.com/ppsi/txtweb.cfm


  Global Rankings
  http://en.wikipedia.org/wiki/College_and_university_rankings
  http://www.newsweekshowcase.com/education/global/articles/the-best-of-global-universities

  http://www.webometrics.info/


14 ---------------------------------------------------

14- Check each College's Accreditation                
College Regional Accreditation Agencies
 (for your checking
of a college's accreditation)


 
1.  Middle States Association of Colleges and Schools (for
  New York, New Jersey, Pennsylvania, Delaware, Maryland
  the District of Columbia, Puerto Rico, and the US Virgin    
  Islands)
 
                                                                     
  Click to see list of schools. External Link:
                      

  http://www.msche.org/institutions_directory.asp


  2. New England Association of Schools and Colleges (for                
  Connecticut, Maine, Massachusetts, New Hampshire,                     
  Rhode Island, and Vermont). External link, click link for                
  list of schools                                                              
  http://cihe.neasc.org/about_our_institutions/roster_of_institutions/  


  3. North Central Association of Colleges and Schools (for

  Arkansas, Arizona, Colorado, Iowa, Illinois, Indiana,      

  Kansas, Michigan, Minnesota, Missouri, North Dakota,    

  Nebraska, Ohio, Oklahoma, New Mexico, South Dakota,  

  Wisconsin, West Virginia,and Wyoming.)  click and follow

  directions--External Link

  http://www.ncahlc.org/Directory-of-HLC-Institutions.html


  4. Northwest Commission on Colleges and Universities
  (for
Alaska, Idaho, Montana, Nevada, Oregon, Utah, and
   Washington.) clink  link for list and follow directions  
 
  http://www.nwccu.org/Directory%20of%20Inst/Directory%20of%20Institutions.htm

  5. Western Association of Schools and Colleges (for    
  California, Hawaii, Guam, American Samoa,               
  Micronesia, Palau, and Northern Marianas Islands.     
  click to view list--External Link
                               
  http://www.wascsenior.org/wasc/MI_Directory.htm

  6. Southern Association of Colleges and Schools        
  ( Florida, Georgia, Kentucky, Louisiana, Mississippi,  
   North Carolina, South Carolina, Alabama,Tennessee 
   and Texas). click on link--

  http://www.sac
  
                     

15 --------------------------------------------------
15- World Digital Libraries-
  
Information about Digital Libraries
    http://en.wikipedia.org/wiki/Library_of_Congress

    Important Chronicle of Higher Education Article:                   
    Place the following text in search engine to get the article:  
                   
   "Free-Range Learners’: Study Opens Window Into How            
    Students Hunt for Educational Content Online"
 
 
   World's largest digital library of education literature

    http://www.eric.ed.gov/

   Public Library of Science  open access   http://www.plos.org/
 
    NSDLorg-National Science Digital Library
http://nsdl.org/
 
    asmeonline digital library
  asmedl.org/
    Internet Public Library   http://www.ipl.org/
 
    Journal Index 1999 till present 
 http://www.eric.ed.gov/journals/

 
    Research and Documentation Online

 http://bcs.bedfordstmartins.com/resdoc5e/

  PBS system-wide online library contains video, audio, images, 
  games, and interactive simulations, etc.
 

    University of Iowa School of Library and Information Science.
   http://slis.grad.uiowa.edu/
   http://www.lib.uiowa.edu/eresources/indexes.html


    World Digital Library, Home Library of North America,
    Latin America, Europe, Middle East and North Africa, Africa,
    Central and South Asia, East Asia, Southeast Asia, Oceania
    and the Pacific  http://www.wdl.org/en/

   African Digital Library
  http://www.africandl.org.za/main.htm
   Journals  http://www.inasp.info/
   Open Education in Africa  http://www.africaeducation.org/
   China Digital Library http://www.lib.cam.ac.uk//
   Open Education in China
  http://en.wikipedia.org/wiki/China_Open_Resources_for_Education

   Digital Library of India http://202.41.82.144/
   Research and Documentation Online http://bcs.bedfordstmartins.com/resdoc5e/

  University of Iowa School of Library and Information Science.
  http://slis.grad.uiowa.edu/
  http://www.lib.uiowa.edu/eresources/indexes.html
  http://en.wikipedia.org/wiki/National_Institute_of_Open_Schooling
  http://www.wyomingpbs.org/education/library/

  Social Studies PK-12 - K-12 Education Content Areas -
  Library Research Guides at Boise State University:

  http://guides.boisestate.edu/educationcontentareas

  Open Library-a Lending library 9313 works, and 10,784+
  ebooks, more coming External Link
  http://openlibrary.org/subjects/lending_library


 Classroom for teachers, news, exhibits
  http://www.18thconnect.org/news/?p=49


  HathiTrust Digital Library, millions of  free books    
  http://www.hathitrust.org/ 

  International Children's Digital Library, 4643 children's
  books in 61 languages, free with texts, pictures,
and some
  audio.

  http://www.childrenslibrary.org/icdl/SimpleSearchCategory
  en.childrenslibrary.org

  http://www.similarsitesearch.com/alternatives-to/en.childrenslibrary.org

 750 free, or low cost textbooks by category, and subject:  
  http://www.collegeopentextbooks.org/opentextbookcontent/open-textbooks-by-subject   Creative Commons Keywords:
  Creative Commons pictures, Creative Commons definition,
  Creative Commons, Creative Commons images,
  Creative Commons music, Creative Commons license
  Creative Commons attribution, Creative Commons Youtube,
  Creative Commons music library

16 --------------------------------------------------
16- The Internet Archive (IA) is a recorded memory of  all
 the web since it started
pages on every website on the
 Internet since it started in 1996,
plus TV broadcasts.
  

  The Waybackmachine,
 
http://archive.bibalex.org/   stores this
   digital memory, plus U.S. television broadcasts, archival films and
   digitized books, on 1636 computers having a capacity of 3.7
   petabytes. I petabytes = 1,000,000,000,000,000 bytes. This same

   information is stored at the New Library of Alexandria in Egypt at

   http://www.bibalex.org/InternetArchive/IA_en.aspx, or
    http://www.archive.org                                            
  Internet "Archive" Software, Music, Art. etc. External Link:
   http://www.archive.org/about/terms.php


    MegaReader iPhone App Gives Access to Internet Archive's 1.8 Million Free Books in a Personalized Reader
   http://archive.org/details/education Open Source Books = http://www.archive.org/details/opensource
  Open Source Movies = http://www.archive.org/details/opensource_movies
  Open Source Audio = http://www.archive.org/details/opensource_audio
 
  Browse by Subject / Keywords =
   http://archive.org/browse.php?field= subject&mediatype=education&collection=adminofyourowncollection

                                                                                           
17----------------------------------------------------
 17- Free Cell Phone Service,
Free Cell Phone Service, if you qualify, which is good for
light usurers but to get the triple minutes for life you must
pay, one time, $49.99 to http://tracfone.com/ to get the new
Touch Screen Phone #LG800G with a better camera, MP3
player, and free shipping. Its up to you. Then your cost per
minute would be 1/3. To see if you qualify under this
government program click--https://www.safelinkwireless.com
/Safelink/program_info/faq/faqOverviewhttps://www.
safelinkwireless.com/Safelink/program_info/faq/faqOverview

Alaska Communications--Unlimited phone for $1 per month
but you have to live in Alaska!

List: Free Cell Phone Providers for the Poor"--
http://www.freegovernmentcellphones.net/ There are 16
of them in various states.

Alaska Communications--Unlimited phone for $1 per month
butnyou have to live in Alaska!

List: Free Cell Phone Providers for the Poor"--
http://www.freegovernmentcellphones.net/ There are 16
of them in various states.


18---------------------------------------------------

  18-
Favorite key words for searching for  something is Compare:
For example:

"'Compare word processors", "Compare Web Editors",
"Compare open source
software".



19---------------------------------------------------
19- Home schooling

 Home schooling, home learning, home education, by tutors or
  parents is legal in all 50 U. S. states, but not in all countries, and
  it is regulated by laws. On average, the home schooled
  outperformed public school peers by 30 to 37 percentile points
  across all subjects, with almost no performance gap between
  minorities and genders. On average, homeschooled children   
  score eighty-one points higher than national averages on the
  SAT scores, are better socialized and have more self confidence.                               
  External link http://en.wikipedia.org/wiki/Homeschooling


 A list of virtual schools
  http://en.wikipedia.org/wiki/List_of_virtual_schools
  (If this link does not come up when you click on it
  copy and paste it in your search engine)

  Free Online Accredited Worldwide K-12 Education
  --
http://www.flvs.net/
  A list of U.S. states with k-12 online virtual schools for your
  study and evaluation
.
 
http://www.k12.com/schools-programs/online-public-schools
  Key words to look for K-12 U.S. Schools
  virtual k-12 U.S. schools
  Online, Public Schools
  Online Private schools
  free U.S. K-12 schools
  K-12 School Directory

  Wonderful Info with video and audio on technology,
  entertainment, design, business, science and global issue.
  Exterior link
http://www.ted.com/

  With video conferencing your students can remotely attend
  classes, formal and informal, in many countries, languages,
  and educational levels. Your effort, and imagination is your
  major limit. Also, check out. External Link:
 http://education.skype.com/cam.
  http://education.skype.com/projects/384

  which is about remote video education in the U.S. states.--copy
  and paste links in you search engine is they do not come up.
  http://www.oovoo.com/home.aspx Exterior Link
  Is like Skype but allows for multiple video chats simultaneously

  Free software listing many educational sources at,
  "download itunes" in your search engine."Podcasts for
  Preschoolers", K-12, all sorts of podcasts, university lectures,
  and courses are available to your computer, and from your
  portable devices.

  Important Chronicle of Higher Education Article:                 
  Place the following text in search engine to get the article:
 "Free-Range Learners": Study Opens Window Into How       
  Students Hunt for Educational Content Online"                   


  Social Studies PK-12 , K-12 Education Content Areas -
  Library Research Guides at Boise State University:

  http://guides.boisestate.edu/educationcontentareas


  Free Flash Card Software for remembering and reviewing.
  External Link http://ankisrs.net/

  Keywords to find education on the web for students
  free education websites
  free teacher websites
  free school websites
  free teaching websites
  education games
  course education
  "teaching courses"
  homeschooling
  homes schooling
  homeschooling information
  homeschooling facts
  advantages of homeschooling
  homeschooling articles
  against homeschooling
  online homeschooling
  Homeschooling in the United States

   (You) Create a College Problem Solving Think Tank
  How else can students do anything they do? Use Internet
  Group Sourcing (Group Brainstorming) to solve, and provide
  ideas for other ways to do anything you do. Can you get to
  school a different, cheaper way? Buy food the same way small
  groceries do for 1/4 the cost, in boxes, and divide it with other
  students, (Many of these suppliers will sell to you, and
  frequently deliver, as I have already checked). Have a buying
  coop. Rent a house with others, and reduce your rent cost by
  more than half, but protect yourself by planning how to deal
  with problem people. Are there IT solutions to deal with
  parents, or grandparents to help them solve their problems?
  Can you convince the CEO of the company you want to work
  for that you can already perform needed tasks with your
  current education? Start your own company, hire someone
  with the needed educational credentials and hire yourself.
  List everything you and others do and want to do, and find a
  better way!!! Idea Example: Are some citizens willing to let a
  student live rent free, for work that does not take much time
  so you have time to study? Some house bound people need
  people to shop and do other tasks that do not take much time.
  (You have to check to find out and some years the answer
  will be yes, or no. You could put an add in the paper or ask
  the paper to take your add free.) Going to college, including
  summers could cut some of your cost by 25%.

  A place for your brain storming ideas and comments will be
  created on this website, Email your ideas. To: with only your
  personal email account, which will not be given out.             
  Identify yourself with your favorite alias, which will be given out.

   
20 ---------------------------------
20- How all state and federal governments increase your costs by
restricting competition!


If governments, states, Democrats, Republican, and                
Independents, universities and teachers, would let people      
share course costs, and not
block people from getting an      
accredited education, or a wanted
job, which they all do        
now, (encouraged by most professions, t
rades, and labor        
unions promoting obstructive licensing to reduce
their           
personal competition, (in their own trade or profession) by   
requiring irrelevant  education, delayed field
entry,               
unnecessary high entry costs, and thus increase their           

charges to you), all people themselves could afford
to get    
an accredited
education  without government help. With      
K-12 and college podcasts teacher's homework and
grading
would be drastically reduced and teachers would be more   
rested for
their important school teaching)                           


Examples of deceitful rules at all occupation levels, that       
prevent employees from starting their own business, raises  
unemployment, and increasing your cost of life.                    

a. State law requires House painters in Massachusetts to     
work for a painting company for 4 years before they can take
a rigging test that allows them to use ladders and staging,    
this can be learned in 1 day. (This legal ruling prevents          
students from competing, earning summer money, and         
cheaply painting your house.                                                      


b. Roofers in Florida must work 4 years with a contractor     
(before it was no years), and prices were as low as 8 cents    
per square foot) to pass a test that many roofers who           
worked 30 years, in other states, can't pass, and learn all      
types of roofing work, instead of just the kind they want to   
do, (result after legislation: prices are 3 times higher and      
many people learn to do their own roof in two hours. Of         
course, none of the then existing Florida roofers had to take 
any test at all, and all the
finished roofs continued to             
be inspected after completion, as 
before testing started,       
indicating no need at all for prior testing. Years of schooling      
does not determine fees in a
just, democratic economy, but
supply and demand does. For example, Massachusetts had     
4.3 physicians per thousand U.S. people and Oklahoma had     
1.6 this caused the income of a primary care physician in MA.  
to be 120K and the income of a primary care physician in OK   
to be 250K. There was no difference in the work or training,     
but only the results of a limiting supply! With Massachusetts's  
Universal Coverage, demand increased and the average wait    
by a new patient for an appointment with an internist rose to   
52 days in 2007 from 33 days in 2006, and as indicated in       
http://www.nytimes.com/2008/04/05/us/05doctors.html,                    

and http://www.medicalcountries.org/                                          


Especially in the Health Insurance countries, the                           
UK and Canada, supply is further limited. The U.K. provided          
the N.H.S. while at the same time restricting the number of          
doctors to 2.45, and .40 dentists per thousand people.                   
This collusive, short supply protects high doctor/dentist                

incomes under the N.H.S., and causes 6% of patients to treat       
themselves, for example: pulling their own teeth out with             
pliers. Many wait 18 months for treatment and others receive        
no treatment because they cannot find or afford a provider,         
and this will happen in the U.S. with a limited supply under           
Government Health Insurance.                                                       

http://www.usatoday.com/news/health/2005-03-02-doctor-shortage_x.htm

Because demand was greatly increased. 4.1 million                                   
Canadians are without a general practitioner, but the                                
Canadian Medical Association, and the government effort                         
to keep supply low, increases doctors income, and your                            
problems and costs.                                                                                     

http://www.cbc.ca/health/story/2009/12/02/wait-times-family-doctors.html

STOP using EDUCATION AS A BARRIER TO ENTRY           
INTO THE MEDICAL FIELD. "Barriers to Entry"                    
http://en.wikipedia.org/wiki/Barriers_to_entry                      

Other than the U.S. and Canada, most countries give medical
students more High School science classes and admit these   
students directly into Medical and Dental schools, where      
they learn everything they need to know including anatomy,  
physics, chemistry, biology, genetics, histology, calculus,     
medical diagnosis, the ethical and emotional treatment         
of patients, etc. This is true in China, India, Germany, France,
England, etc. but in the USA and Canada, medical students    
are prevented from getting 4 extra years of learning and       
practice as a doctor by the requirement that they must         
take irrelevant college courses for 4 years before medical    
school, and the poor can't be doctors because of the high      
schooling costs.                                                                        


How did this irrelevant educational diversion start? In 1910  
the doctors were not making the amount of money they        
desired, and were getting more competition than they           
wanted from their own kind and from several alternative       
medical systems. Many medical schools were poor, some     
with no dispensary, no lab, no ability for the students to see  

sick patients, lots of untrained teachers, no cadavers for     
anatomy class, etc. This gave the medical lobbies an excuse
for why they needed more education in order to "help the     
public." What is needed is good education, not more                
irrelevant education. But what was and is more important    
to the medical lobbies are the changes needed to be kept    
in force to realize the goal of high wages and status. So,     
the majority of medical schools were closed (over a 100,     
especially black and female schools), 4 more years of         
education was added, and many medical students               

were prevented from ever becoming doctors.                        

"Frexner Report": External links                 
http://en.wikipedia.org/wiki/Flexner_Report
 

The "Flexner Report", on page 167, explains, how the lobby
would control medical institutions and workers through the
misuse of state boards. "The state boards are the                
instruments through which the reconstruction of medical    
education will be largely effected. To them the graduate in  
medicine applies for the license to practice. The boards    
determine: 1. The preliminary educational requirements.    
2. The facilities required of the medical schools. 3.             
Examination of the student for licenses." To see how        
doctors and the AMA control, produce, and CREATE           
YOUR HIGH COST, look here:                                              
 
http://www.mises.org/journals/jls/3_1/3_1_5.pdf                   

On pages: 76-77 how to limit the production of doctors,     
Page 84 "wages of the educated should not be                   
determined by competition", Page 85 reduce the number  
of medical schools and graduates, Page 88, put doctors    
on State Medical Boards and in the legislatures. Index       
reference starting: page 104, reference # 48. How to          
limit the number of medical colleges, reference # 64 in      
the 55th. Congress, one Senator and nine Representatives
were physicians, reference # 81 an attack of medical         
licensure.                                                                             


In many countries medical school is free, so more students
are available. With in-home learning of the proper audio and
video podcasts of college courses needed for a B.S. or B.A.
degrees, and Internet computer testing, (with governments
crediting courses after testing), the need for most colleges

could be eliminated, even the Phoenix types, and the cost   
of a 4 year B.S. degree could go down to
$5. or less               
http://www.podcastinternationaluniversity.org/


This is an example of a free learning tool that is a better    
teacher than
you get in any college, (in my opinion). Words
are pronounced, defined, explained, etc: Explore these     
external links:                                                                     
http://www.genome.gov/

http://www.genome,gov/glossary/index.cfm?

http://www.genome.gov/glossary/index.cft?                       

World Wide Medical School requirements):                    
http://en.wikipedia.org/wiki/Medical_school                     

World Wide Dental education-External Link:                   
http://en.wikipedia.org/wiki/College_of_Dental_Medicine


Many foreign medical students work in the U.S., and Canada.  
Their training is more complete in other countries, because   
these students get 4 more years of medical practice in their   
lifetime. (Foreign 
students will see, on average, at least 16,000
thousand more patients, in their medical practice, at a rate of  
2 patients per hour in the 8,000 more hours of their 4 more       
years of 
medical work). Dental Therapists have been treating  
patients for 90 years in New Zealand, and now in 50 other       
countries, and recently in Alaska. Their 2 years of training is   
comparable
to the practical training dentists get for drilling     
and filling teeth. At the Baylor College, University of Dentistry,
University of Washington it was determined that the quality   
of therapists-treated teeth, in 600 procedures, on 400 patients,
was not different from that provided by dentists, but lower     
in cost. So, why does the government force us to use, in         
most states, high cost U.S., overly trained, unaffordable         
dentists? U.S. dentists charge $1000 to $3000 for a one         
hour root canal that India Dentist do for $80. Technicians       
use a finger and hand skill that could be learned in 2 weeks   
by technicians.) One Indian dentist told me that there are     
some Indian dentists that charge as low a $18. for a root       
canal.                                                                                       


We Should flood the country with practitioners so that only    
they that love their work will want to practice, and thus have
enough time to discover illnesses, and not waste patients-     
time waiting in offices of over-worked, ill-tempered doctors.  
Laws and constitution are being violated? Is this unequal     
treatment, unlawful restraint of trade, etc.? This issue needs

legal study, action, and your help! World's Best Medical Care?
External Link
                                                                            
http://www.nytimes.com/2007/08/12/opinion/12sun1.html?_r=1

c. Automobile labor unions forced wages up to $70.                

dollars per hour (including benefits), while minimum              
wages were around $7 dollars per hour) thus U.S. car           
manufactures could no longer compete with foreign             
manufactures and we lost the lead in the car industry.  
         


d. U. S., and Canadian Doctors and dentists are required to    
pass
tests that in many years, only 1/3 pass, (24.7%  of  A+       
medical  students were not allowed  to go to medical school)   
and to have 4 years of
college before medical school while in
most countries students
start medical school after high          
school, learn everything they need
to know, and thus get 4      
more years of practice in their lifetime as
doctors, and U.S.    
technicians are prevented from doing simple
medical             
procedures that the Veterans Administration, and many        

other countries encourage. (All this is how they, and the       
colluding
government, keep your prices high, get their treats,
by eliminating
competition from low cost sources). My father,
board certified in
2 specialties, would play golf 3 days a          
week while I , at 17 years
of age, would put a green liquid in  
his patients eyes, fold their
eye lid over and remove any          
irritating particles from these patient
eyes, free of change.    
(Anyone can do this with 2 minutes training,
and not need the
24 years of education he had. Many other daily done              

procedures are just as simple )                                              
 

e. Legislators are now protecting brick-and-mortar schools  
from 
competition by now requiring that school have a          
campus. (What grass are they smoking?) Total spending on 
U. S. education,
from all sources, and including all levels is  
about 1.13 trillion yearly, mostly   for buildings and               
administration.  
                                                                                 

f. U.S. citizens are taxed to support a military industrial       
complex that consumes 6.61 times more of its dollars than  
the 2nd biggest spending nation does. (661 billion for           
U. S. and 100 billion for China). Just the cost of one air craft  
carrier, 5
billion, cost the same as 104 years of 80 bachelor  
degree podcast courses).
Exterior Link -                                 
 
http://en.wikipedia.org/wiki/List_of_countries_by_military_expenditures

                                                                                                                                                      

It does not always pay to put yourself, your team, your state,
your country, your religion, always
ahead of others. In the    
end YOU lose.
Cooperation beats the hell out of competition
in this podcast case.                                                              

I like my country as much as you do but I am not blind! Is it    
any wonder U.S. prices cannot compete with other countries,
and that the U.S, is loosing many of its industries because of
these anti-competitive practices???
                                         


21---------------------------------------------------
21-  PRIVACY STATEMENTS, TERMS OF USE:

podcastinternationaluniversity.org respects the privacy of
its Internet users and will protect that privacy as vigorously
as possible. Podcastinternationaluniversity.org does not
collect information that personally identifies individuals
except when individuals provide such specific information
on a voluntary basis. There may be occasions where specific
personal information is requested before an individual can
enter certain sections of podcastinternationaluniversity.org
website. In all such cases, podcastinternationaluniversity.org
will collect only information that is voluntarily provided by
the user and undertakes that such personal information will
be kept strictly confidential. Individual personal information
provided to the site will not be sold or made available to a
third party. As well, users should be aware that
PodcastInternationalUniversity.org might automatically collect
certain non-personal information and data through the
operation of what are called "cookies", "Cookies" are small text
files that identify an individual computer's browser entering a
website. They allow the site to track that browser's movement
through the site over several sessions. Through cookies, a
website can recognize repeat users, facilitate the user's access
to and use of the site and allow a site to track usage behavior
that will allow content improvements.
Podcastinternationaluniversity.org uses cookies only for the
above-mentioned purposes and will not use them to identify
users. If you do not want a cookie placed on your computer by
podcastinternationaluniversity.org you may disable cookies
altogether by modifying the Preferences section of your browser
(under Edit/Preferences/Advanced). Note that it is possible that
some aspects of podcastinternationaluniversity.org sites may
be unavailable to you if you choose this option. If you have no
problem accepting cookies, but wish to be informed of their
appearance, you may turn on a warning prompt by modifying
the cookie warning section in Edit/Preferences/Advanced.

REVISION OF TERMS AND ACCEPTANCE THEREOF:
Podcastinternationaluniversity.org, or "We", "us" or "our",
(as the context requires) may revise these Terms from time
to time without prior notice. You are, therefore, required to
check this Site often. All amended Terms shall immediately
become effective on being posted on the Site and any
subsequent use of the Site shall be governed by such amended
terms. Your continued usage of this Site shall mean you accept
the changes made. In any case, use of the Site subsequent to
the change, shall imply your acceptance of those changes.
These Terms apply exclusively to your access to and use of the
Site and do not alter the terms of conditions of any other
agreement you or others may have with us.

COPYRIGHT OF CONTENTS: All the Content on this Site,
including design, text, graphics, other files, and their selection
and arrangement etc. ("Content").You may not reproduce,
display or post any part of this Site without our written
permission, except to view or use a single copy of the
material on this Site for your personal and non-commercial
use and provided that in doing so, you keep all copyright or
other proprietary notices intact. This limited consent may be
revoked at any time without prior notice to you and does not
include consent to republish the Content on any Internet,
Intranet, or EXtranet site or to incorporate the information in
any other database or compilation.

UNAUTHORIZED USE: of the Content may violate the copyright,
trademark. and/or any other laws. You shall not reverse
engineer, disassemble, decompile, reproduce, transcribe, store
in a retrieval system, translate into a language of computer
language re-transmit in any form or by any means (electronic,
mechanical, photo-reproduction, recordation or otherwise),
resell or redistribute without the prior written consent of
podcastinternationaluniversity.org, except that you may
reproduce limited excerpts of the data for personal use only,
provided that each such copy contains a copyright notice and
in doing so you shall also reproduce the publication data
appearing in bibliographic citation, as well as to the copyright
notices appearing in original publications. The use of the
Content on any other website or in a networked computer
environment for any purpose is prohibited. We reserve the right
to change the Contents of the site without prior notice. If you
violate any of these terms and conditions, your permission to
use the Content terminates automatically. You are then expected
to immediately destroy any copies you have of any portion of
the content.

NON-CONFIDENTIALITY/COPYRIGHT ON INFORMATION:
Subject to the provisions of these Terms, you agree that all
communications or submissions through or on the Site are
non-confidential in nature and by such communication or
submission, you grant or warrant that the owner of the
communication or submission has granted, to us an irrevocable,
non-exclusive, royalty-free, sub-licensable, world wide
license (including but not limited to copyright license) to
use such communication and/or submission in any media
for any and all purpose, WE OWE YOU NO DUTY TO NOR
SHALL WE MAINTAIN THE CONFIDENTIALITY OF ANY
COMMUNICATION, INFORMATION OR SUBMISSION
TRANSMITTED TO OR THROUGH THE SITE. If you violate
any of the terms and conditions, your permission to use the
Content automatically terminates and you must immediately
destroy any copies you have made of portions of the Content.
Any and all suggestions, feedback, ideas, concepts, comments,
illustrations and other materials that you disclose or offer to
us on or in connection with this Site or any Site Materials
("Submissions") are submitted without any restrictions or
expectation of confidentiality. You hereby assign to us without
compensation or further obligation, all rights now known or
hereafter existing to use, or assign the right to use, the
Submissions. You further agree that we will be entitled to
unrestricted use of the Submissions for any purpose
whatsoever, commercial or otherwise, without compensation
to you, including the right to use, reproduce, modify, adapt,
publish, transmit, publicly perform or display, translate, create
derivative works from, or otherwise communicate to the public
the Submissions on this Site or elsewhere. You will not assert
any proprietary right or moral right of any kind with respect
to any Submission.

INDEMNITY: You agree to defend, indemnify, and hold
harmless podcastinternationaluniversity.org, and or affiliates,
and our and their respective directors, officers, shareholders,
proprietors, partners, employees, agents, representatives,
servants, attorneys, predecessors, successors and assigns,
from and against any and all claims, proceedings, damages,
injuries, liabilities, losses, costs and expenses (including
reasonable attorneys' fees and litigation expenses) relating to
or arising from (1) your use of this Site, any Site Materials, or
any products or services obtained on or through this Site, (2)
any arrangements you make based on information obtained on
or through this Site, or (3) any breach by you of this User
Agreement.

GOVERNING LAW AND SELECTION OF VENUE: You agree
that the Terms of Use is made in, and will be construed and
enforced in accordance with, Florida law (without regard
to its provisions governing conflicts of law), as applied to
agreements entered into and completely performed in
Florida. You agree that any action arising out of the content
of this Site, your use of the Site Materials, or any action to
enforce the Terms of Use will be brought only in the
federal or state courts presiding in Orlando, Florida, U.S.A.,
and you expressly agree to be subject to the jurisdiction of
such courts. Use of this Site is limited solely to persons who
agree to resolve any and all disputes pertaining to this Site
in the Federal and state courts of Florida, and such an
agreement is an express condition to use of this Site. This
Site is controlled and operated by
podcastinternationaluniversity.org, from its offices within
the United States. We make no representation that this Site
or the Site Materials are appropriate or available for use
outside of the United States, and access to this Site or the
Site Materials from territories where their contents are
illegal is prohibited. Those who choose to access this Site or
the Site Materials from locations outside of the United States
do so of their own volition and are responsible for
compliance with applicable local laws.

USE OF COOKIES: We may further employ cookie technology
to allow Users to move more quickly through our Site.
Cookies are small text files a website can use to recognize
repeat users and facilitate the User's ongoing access to and
use of the Site. Generally, cookies do not come onto a user's
system nor do they pose a threat to a user's file. We cannot
control the use of cookies by third party hosting data for us.
In case a User does not want information collected through
the use of cookies, most browsers allow the user to deny or
accept the cookies feature.

PODCASTINTERNATIONALUNIVERSITY.ORG, LIABILITY
TOWARDS TRANSMISSION OF INFORMATION:--
You acknowledge that all information transmitted from and to
PodcastInternationalUniversity.org, shall be transmitted over
local exchanges, inter-exchanges and Internet backbone
carrier lines and through routers, switches and other devices
owned, maintained, and serviced by third party local exchange
and long distance carriers, utilities, Internet service providers,
and others, all of which are beyond the jurisdiction of
podcastInternationalUniversity.org, and its suppliers.
Accordingly, we do not assume any liability for or relating to
delay, failure, interruption or corruption of any data or other
information transmitted in connection with the use of this site.

GENERAL DISCLAIMERS; CONTENT ON AN "AS IS" AND/
OR "AS AVAILABLE" BASIS: THIS SITE AND THE
CONTENT AVAILABLE THROUGH IT ARE PROVIDED ON
AN "AS IS" AND "AS AVAILABLE" BASIS. THE USE OF
THIS SITE AND/OR ITS CONTENT, WHETHER PROVIDED
BY PODCATINTERNATIONALUNIVERSITY.ORG, OR A
THIRD PARTY, IS ENTIRELY AT YOUR OWN RISK. IN NO
EVENT SHALL PODCASTINTERNATIONALUNIVERSITY.ORG,
OR A THIRD PARTY, EM[PLOYEES, AGENTS,
REPRESENTATIVES OR THE AUTHORS WILL BE LIABLE
FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION,
DAMAGES FOR LOSS OF BUSINESS PROJECTS, OR LOSS
OF PROFITS) ARISING IN CONTRACT, TORT OR
OTHERWISE FROM THE USE OF OR INABILITY TO USE
THE SITE, OR ANY OF ITS CONTENTS, OR FROM ANY
ACTION TAKEN (OR REFRAINED FROM BEING TAKEN)
AS A RESULT OF USING THE SITE OR ANY SUCH
CONTENTS.

INFORMATION EVALUATION: YOU AGREE TO
INDEPENDENTLY EVALUATE ALL THE INFORMATION,
PRODUCTS OR SERVICES AVAILABLE ON THE SITE. YOU
EXPRESSLY AGREE THAT USE OF THIS SITE, INCLUDING
ALL CONTENT, DATA OR SOFTWARE DISTRIBUTED BY,
DOWNLOADED OR ACCESSED FROM OR THROUGH THE
SITE, IS ENTIRELY AT YOUR OWN RISK.

MISCELLANEOUS: The following provisions will survive the  
termination of the Terms of Use. Failure to insist on strict
performance of any provisions of this User Agreement will
not operate as a waiver of any subsequent default or failure
of performance. No waiver of any provision of this User
Agreement will be valid unless in writing and acknowledged
in writing or electronically by both parties. If any portion of
the Terms of Use is adjudged invalid or unenforceable by a
court of competent jurisdiction, the remaining portions will
remain valid, enforceable, and in effect. No joint venture,
partnership, employment or agency relationship exists
between you and podcastinternationaluniversity.org, as a
result of this Terms of Use Agreement or your use of this
Site or any Site Materials. Any rights not expressly granted
herein are reserved by podcastinternationaluniversity.org.
This Terms of Use Agreement constitutes the entire
agreement between you and podcastinternationaluniversity.org,
whether written or oral. You acknowledge that, in providing
you access to and use of this Site and the Site Materials,
we have relied on your acceptance of the User terms of
Agreement.

 

PROPRIETARY RIGHTS:
Copyright © 2012 podcastInternationaluniversity.org (TM)
All rights reserved.--


Email this website to a friend by
Copying this link and past it in your email
http://www.podcastinternationaluniversity.org


2 ed