Career Spotlight - Adult Education Teacher

Adult education basically consists of self-enrichment, adult literacy, remedial education, and GED instructors. Individual working as an adult educator may work for state and local governments, providing basic education at juvenile detention and corrections institutions. From week-long self-enrichment workshops to year-long certification courses, adult education teachers primarily offer a variety of class types and schedules. In addition to this, these days many adult educators work for job training facilities; nonprofit, religious, and social service organizations; and residential care facilities.

In terms of job responsibilities of adult education teacher, it basically revolves around providing reading and writing instruction to adults, including high school dropouts or those immigrants who are in need to have better literacy skills. In addition to this, an adult educator may also require to provide instruction in a wide variety of subjects. There are many who teach a series of classes and provide or educate about useful life skills, like cooking, time management or personal finance.

Adding to this, at times adult education teachers may even require assisting students in acquiring successful study skills and the self-confidence. They may also be requiring setting clear objectives for students and guide or counsel them, and track their progress. Teachers also may encounter students with learning or physical disabilities, so teachers must possess an understanding of how to help these students achieve their goals.

Salary Outlook In relation to the yearly income, the profession offers a salary that is simply one of the best in current scenario. Generally, the median hourly earnings of adult education teachers are $43,910. Nevertheless, the most inspiring picture of this career is that the lowest 10 percent earns less than $25,310, and the highest 10 percent earns more than $75,680. Though there are much adult literacy and remedial education instructors who work on a part-time basis, but they are usually paid a good amount by the hour or for each class that they teach.

Employment Prospect In the past few years, teachers of adult literacy held about 76,000 jobs. Many of these jobs were federally funded, with additional funds coming from State and local governments. However, in next few years the employment is further expected to grow much faster than the average for all occupations. In fact, a large number of job openings are anticipated due to the need to replace people who leave the occupation or retire.

Today there are lots of institutions and schools that are offering educational programs in adult education. The program can vary depending upon the institutionalized learning methods or specific areas for an effective adult education. No doubt, it is surely one of the best options that can help you make most of your career potential. Though, working as an adult education teacher requires handling some of the major responsibilities, but it offer rewards that can beyond the comparison of any other profession.

Most parents are dealing with daily battles from getting homework into backpacks to packing a healthy lunch, still long term concerns like saving for college tuition and fees are lingering too. College tuitions and fees continue to rise even as the economy is in a downturn. So what are your college savings options? Are Coverdell Education Savings Accounts a good option?

They certainly can be. It simply depends.

The 411 on Coverdell Savings Accounts

Coverdell Education Savings Accounts, formerly known as the Education IRA, was created in 2002 and named after the late U.S. Senator Paul Coverdell. It was designed to help parents achieve higher education savings.

The highlights of a Coverdell Education Savings Account:

Contributions are not tax deductible but are withdrawn tax-free when used for education.

Offers a tax shelter for education savings.

There is no tax owed on the capital gains provided it is used for education regardless of how large the fund grows.

Like 529 college savings plans, this college savings account is not considered funds of the student when he or she applies for financial aid so a Coverdell account won't work against financial aid applications.

It must be used by the time a child turns 30 years of age, but can be transferred to another family member as long as the funds are used for education.

This account offers greater investment flexibility. Parents or guardians can invest this fund in practically any investment including common stocks of a start up company, preferred stock in a large, Blue Chip business, a money market account or mutual funds.

These type of plans are the way the funds can be used. Many college savings accounts are limited to higher education expenses. But this savings account can be used for any educational expense at any level including funds for elementary school or high school tuition at a private institution in addition to tuition and fees at a college or university.

Another advantage is that this account can be set up at most financial institutions including banks, brokerage houses and mutual fund companies.

What are the limitations of the Coverdell Education Savings Accounts?

The biggest limitation of the Coverdell Education Savings Account, compared to the

Section 529, is an annual limit of $2,000 based on current tax laws, which of course could change at any time. This is lower than the contributions allowed in a Section 529 and other college savings plans.

Is a Coverdell Education Saving Account a good option?

It can certainly be a good tool for saving for college or even private school tuition. In fact, it is ideal for parents who may be considering private school before college.

By taking advantage of this type of educational savings plan, parents can set aside a small amount, although nothing to sneeze at, of $2,000 each year to help pay for educational expenses.

The biggest disadvantage of this college savings account of course, is the $2,000 annual limit on contributions. This means that for many families, a Coverdell Education Savings Account can't be the only education savings plan if they don't want to borrow money for higher education expenses.

Always assess current laws. Participation in this savings account has limits based on income levels for both single filers and married filers.

Overall, a Coverdell Education Savings Account alone may not cover all expenses but it is certainly a flexible option and a good starting place for saving for education expenses, whether private school or college tuition.