Billions of dollars that used to be written in the form of checks with insurance companies' names on them would instead go to credit unions, banks, and long-term investment houses. You know America: you see a financial opportunity and it sets off a gold rush.

There are hardly any schools giving four-year bachelor's degrees in automotive, and that creates a dilemma because you are asking for a person with technical experience and academic experience at a level that the majority of the people you are trying to employ don't have.

The major problem is not, 'There aren't people out there who are technically qualified and gifted enough in the ability to present the information.' [The problem is] they are not compensated equal to somebody that has a master's degree, but has never worked a day in their life in the real world.

The businesses that need to look at health savings accounts are those who are getting killed by health care costs. That's GM to Gene's Coffee Shop. It doesn't matter who you are. It's totally irrelevant the size or shape of your business, because everybody's getting hurt by this.

Even [within] those schools that accept associate's degrees for a teaching position, they typically place greater value as far as compensation formulas on educational experience than they do on work experience. A guy with 30 years of experience as a technician and an associate's degree might not be given pay equal to someone with a bachelor's degree who [has] no technical experience.

Much of education is out of touch with the value of practical experience compared to academic experience when it comes to technical trainer positions. When I spoke to ASE about this, I used our newsletter as an example. It had seven ads in it for automotive faculty and six out of the seven required at least a bachelor's degree. In reality, when it comes to automotive degrees, an associate's degree is pretty much the routine degree that technicians would secure.