Community College Pays Dividends

Do you want to help your children grandchildren or yourself become financially independent?

I have achieved financial independence and I couldn’t have done so if I graduated with $35,000 of student debt which is the average today’s student graduates with. I also taught 10 years at Community college, and I can assure you I was a better teacher than any of my John Carroll University accounting teachers were.

I am celebrating the 8th year of my teaching online investing at,  and I have created MANY “Spetrino millionaires” and have been a worldwide author and newsletter writer.
My daughter will attend community college and here’s why:
1) Financially its wise – the average credit hour at a community college costs $60, while the average credit hour at a 4-year state college costs around $300. Huge difference. 64 hours at 240 dollars is $15,360 dollars over 2 years. The average annualized total return for the S&P 500 index over the past 90 years is about 10%.  Investors can easily mirror the index’s performance by investing in an S&P 500 Index mutual fund or exchange-traded fund. That money invested in an index fund at 10% over the next 45 years should be about 1.12 million dollars.  The difference between private schools, like John Carroll the school I attended, or CCC the college my daughter will attend and I taught at, is over $35,000 per year or 70428 for 2 years. That $70,428 invested in the same index should be over 5.15 million dollars in 45 years. You don’t have to be a deca-millionaire to know the difference is significant and BOTH student’s degree say Ohio State or John Carroll University. One is saddled with more debt.
2) Makes the transition to college easier – if you attend community college, you’re more than likely either living at home or else living very close to home. Instead of feeling like you are overwhelmed, you can wade in at a pace that is right for you, and slowly take on responsibilities of your own.
3) It’s much more efficient – The majority of your first two years are going to be core classes, even if they’re related to your major. You can do the same thing at a community college, for a fraction of the cost. This gives you time to explore your interests, without the stress of knowing you may be racking up massive debt on courses that don’t end up counting towards your degree or major. If you know the 4 year school you are going to attend, the community college should tell you whether it will transfer and many states have websites dedicated to this.
Many famous people such as Ross Perot, Steve Jobs, Eileen Collins – the first woman to pilot the space shuttle, George Lucas, and Dr. Craig Venter the primary force behind the Human Genome Project all attended community college.
Let’s suppose you don’t have all the money to attend either Ohio state, John Carroll or another 4-year college and you have to borrow. You would end up with $35,000 owed at 6% over 10 years and the loan repayment is $388.57 per month. That money invested in the same fund should be worth approximately $3.46 million dollars.
Making financial decisions are best made when one is given different sets of facts and one can decide what’s best for THEM. I feel few people understand sales, marketing, finances, taxes, investing, teaching and education combined as much as I do. I am NOT advocating skipping college, although I feel it is certainly not for everyone. This article is for THOSE who want a 4-year degree BUT want to do it more efficiently. I leave with an analogy. A person who wants to keep his house warm with his fireplace can do it by burning $100 dollar bills or by burning logs. One is simply more efficient. What do you want to burn?
Sadly many school administrators don’t explain these options to the parents and students. They really need to read this.
Feel free to email me with any questions or comments at . If there is interest, I will write follow-up articles. Thank you.


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Great Low Carb Bread Co

Key to a healthy mind is a healthy body! Take it from me, Bill Spetrino, this company has healthy bread products that I love and I encourage you to give them a try (click on image below):

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Charley Wright of Strategic Investor Radio


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The Money Answers Show With John Goodman – Interview of Bill Spetrino


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The Dividend Machine


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1st Annual Spetrino Fair + BIO Forum Reunion (3 Week Event)

Bill Spetrino is happy to announce he’s going to open his doors and make himself available to BIO Forum investors and traders, Dividend Machine subscribers and those who would like to meet the “real deal” and join like minded individuals in Independence, OH (fly into Cleveland) from June 29th – July 18th. Guests will be coming and going during the 3 weeks as their schedules will permit. Each day will have different activities for guests and Bill will be bringing you around town to his favorite restaurants and venues. There will be daily question and answer sessions and each person will get the chance to chat with Bill. This event is spread out over 3 weeks to give as many folks unprecedented access to Bill as their schedules allow.

If you are interested in attending, please contact Bill directly at

Corporate sponsor for accommodations is Embassy Suites Cleveland-Independance at Rockside:

They have two options that you can use when placing your reservation. GREAT FREE BREAKFAST, FREE HAPPY HOUR, FREE HOTEL SHUTTLE SERVICE. Make sure you use the code “SFB” when placing your reservations so you can get the group rate of $119.00 a night:

1) You can call or email JuWanda Alexander directly and she will get you in the system. Below is her contact information:

JuWanda Alexander | Group & Transient Sales Coordinator
Embassy Suites Cleveland-Independence at Rockside
Direct Line: 216-617-2108 | Sales Fax: 216-617-2185

2) Or you can call the front desk within the hotel in the case that JuWanda is not on property (option #1 is the best way though). The number to the front desk is 216.986.9900. Make sure that you use the code “SFB”…

3) The hotel offers transportation to and from the airport. Their shuttle makes trips on the hour and picks up at gate 3. Please call the hotel directly at #216-986-9900 when you land to alert the shuttle driver for pick up. You must call because if we do not receive a call or have a scheduled pick up or drop off the shuttle will not make that hourly trip. Our shuttles run from 7:00am-11:00pm.

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Newsmax TV Interview

Bill Spetrino joins MidPoint to discuss his new book

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Stu Taylor Radio Show (Boston) Interview of Bill Spetrino

Here’s the April 2, 2015 radio interview of Bill Spetrino on the Stu Taylor Radio Show

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Interview on Bill Kearney Financial Spectrum on Concord Radio in New Hampshire

Financial Spectrum

Here’s audio of Bill Spetrino’s radio interview

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The Great American Dividend Machine – #5 On Amazon

Amazon’s #5 book on Stock Market Investing category:

The Great American Dividend Machine

Amazon’s #10 book on Budgeting & Money Management:

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Ben Carson and Bill at Hotel Breakers


More on Ben Carson HERE

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Really Real Deal Interview of Bill Spetrino

Bill shares his thoughts on an interview on the Really Real Deal radio show.

The Great American Dividend Machine

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Bill Spetrino Shares His Philosophy On Building Income-Generated Investments

The Great American Dividend Machine

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Bill Spetrino Dividend Machine Testimonials

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Dividend Machine Jaycoffsky

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