college en-US Best Money Tips: The Best Sites for Renting and Buying Textbooks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-best-sites-for-renting-and-buying-textbooks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="student tablet books" title="student tablet books" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="">Best Money Tips</a> Roundup! Today we found some stellar articles on the best sites for renting and buying textbooks, steps to financial prosperity, and things you should know about the U.S. economy.</p> <h2>Top 5 Articles</h2> <p><a href="">The 11 Best Sites for Renting and Buying Textbooks Online</a> &mdash; and Student2Student are a couple great textbook rental and buying sites. [The Real Deal]</p> <p><a href="">6 Steps to Financial Prosperity</a> &mdash; To be financially prosperous, choose a career and do it and marry your soulmate. [Learn Play Give]</p> <p><a href="">6 Things You Should Know About the U.S. Economy</a> &mdash; The housing market is continuing to improve but the job market is weaker than you think. [CBS Moneywatch]</p> <p><a href="">57 Creative Homemade Group Costume Ideas</a> &mdash; With Halloween right around the corner, save money and get a group of your friends together to go as Lego people. [PopSugar Smart Living]</p> <p><a href="">The Heating and Cooling Myth That Is Costing You Money</a> &mdash; To save on heating and cooling, invest in a programmable thermostat. [The Art of Being Cheap]</p> <h2>Other Essential Reading</h2> <p><a href="">15 Recipes and Crafts You Can Make With Jars</a> &mdash; What are your favorite jar-based recipes and crafts? Did they make this list? [The Coupon Project]</p> <p><a href="">Five People, One Income, and Self-Made Success</a> &mdash; Remember that savings happen in small increments and that you should invest/earn money instead of just saving.. [Afford Anything]</p> <p><a href="">Creating Art for Your Walls: Stenciling Letter onto an Old Canvas</a> &mdash; Are you in need of some new art for your walls? This simple DIY might be just what you were looking for! [House Of Rose]</p> <p><a href="">7 Ways to Get Your Child Excited About Math</a> &mdash; Get your child excited about math by having them do puzzles or using math apps. [Parenting Squad]</p> <p><a href="">3 Myths About Buying Your First Home</a> &mdash; It is a myth that buying a home is always a good investment. [Beyond Your Hammock]</p> <a href="" class="sharethis-link" title="Best Money Tips: The Best Sites for Renting and Buying Textbooks" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Ashley Jacobs</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Shopping best money tips buying college online renting textbooks Thu, 28 Aug 2014 20:06:55 +0000 Ashley Jacobs 1195558 at Best Money Tips: Save on the Cost of College <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-save-on-the-cost-of-college" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="college money" title="college money" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="">Best Money Tips</a> Roundup! Today we found some amazing articles on saving on the cost of college, how to hide resume flaws, and things you must know about your future spouse's finances.</p> <h2>Top 5 Articles</h2> <p><a href="">7 Ways to Save on the Cost of College</a> &mdash; To save on the cost of college, apply for scholarships and graduate quickly. [Cash The Checks]</p> <p><a href="">6 Big Resume Flaws &mdash; and How to Hide Them</a> &mdash; If your college education doesn't match the job you are applying for, make sure your resume focuses on your experience. [Five Cent Nickel]</p> <p><a href="">10 Things You Must Know About Your Future Spouse's Finances</a> &mdash; You should make sure you know about your future spouse's debts and health insurance coverage. [Personal Dividends]</p> <p><a href="">5 Tips to Save on Dry-Cleaning</a> &mdash; Dry-cleaning at home can help you save on your dry-cleaning bill. [POPSUGAR Smart living]</p> <p><a href="">Homeowners: Could This Save You Thousands in Just a Few Hours?</a> &mdash; Did you know challenging your home's tax assessment could save you thousands? [Get Rich Slowly]</p> <h2>Other Essential Reading</h2> <p><a href="">21 Ways to Potentially Reduce Your Taxes</a> &mdash; If you want to reduce your taxes, try making charitable donations or deducting relocation costs. [Find Your Balance]</p> <p><a href=";utm_medium=feed&amp;utm_campaign=Feed%3A+MoneyQandA+%28Money+Q%26A%29">5 Wealth Concepts You Need to Teach Your Children</a> &mdash; It is important to teach your children delayed gratification and to live within their means. [Money Q&amp;A]</p> <p><a href="">How To Get Ahead In This Economy</a> &mdash; Becoming invaluable is one way to get ahead in this economy. [20's Finances]</p> <p><a href="">The 6 Best Apps For Your Smartphone</a> &mdash; Do you have Tip Calculator or Mint on your smartphone? [Stack The Chips]</p> <p><a href="">How to Actually Get Sunscreen on Your Children (Without the Fighting)</a> &mdash; To get sunscreen on your child without fighting, try sunscreen sticks or spray. [Parenting Squad]</p> <a href="" class="sharethis-link" title="Best Money Tips: Save on the Cost of College" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Ashley Jacobs</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training best money tips college education save Fri, 20 Jun 2014 19:00:05 +0000 Ashley Jacobs 1145901 at 20+ Freebies for College Students <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/20-freebies-for-college-students" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="college food" title="college food" class="imagecache imagecache-250w" width="250" height="174" /></a> </div> </div> </div> <p>&quot;This is the worst possible year to graduate from college in history.&quot;</p> <p>I heard this exact same phrase back in 2002, then again in 2007, and yet again in 2009 as I completed my university studies in those years. Yet, I found that there was no need to be so gloomy. (See also: <a href="">8 Financial To-Dos for College Freshmen</a>)</p> <p>Yes, college costs are still on the rise. But college life is full of exciting opportunities and, more importantly, full of savings. You just have to look in the right places. Here are 25 ways to take advantage of those savings.</p> <h2>Entertainment</h2> <p style="font-size: 13px;">All work and no play makes Jack a dull student. Start off with these fun freebies.</p> <h3>1. Lunch and Dinner</h3> <p style="font-size: 13px;">Getting a cheap meal doesn't mean limiting yourself to tuna sandwiches and ramen noodles for your entire school life. By joining on-campus clubs and organizations, you may be able to score free lunches and dinners several times a week. Even if you just attend one club meeting a week, you could save as much as $50 a month in food. Another way to get free meals is to volunteer for alumni association events and attend student club evening mixers.</p> <h3>2. Free Soda</h3> <p style="font-size: 13px;">Several fast food chains, such as Chipotle and Chick-Fil-A, offer free sodas to customers that show a valid student ID. Don't hesitate to ask before making your purchase.</p> <h3>3. Washington Post</h3> <p style="font-size: 13px;">If you enjoy reading the Washington Post with your morning coffee, then get&nbsp;<a href="">free digital access</a>&nbsp;with your .edu email.</p> <h3>4. Movies</h3> <p style="font-size: 13px;">Student campuses across America host free movie nights during nights at quads or campus centers. Check the campus events calendar for movie listings and enjoy a night out with your friends. (See also:&nbsp;<a href="">You Never Need to Pay to Watch Movies</a>)</p> <h3>5. Museum Admission</h3> <p style="font-size: 13px;">Several museums offer free admission to exhibit halls to holders of a valid university ID on certain days. Some examples are the&nbsp;<a href="">Boston Museum of Fine Art</a>&nbsp;and the&nbsp;<a href="">Philadelphia Museum of Art</a>. Make sure to check the website of your local museums for specific days and times.</p> <h3>6. Sporting Event Tickets</h3> <p style="font-size: 13px;">Several universities, such as my&nbsp;<em>alma mater</em>, the&nbsp;<a href="">University of Hawaii</a>, offer free sports tickets to current students with valid student IDs. My school even offers free bus rides to the football stadium and back to the campus.&nbsp;Make sure to check if you qualify for free tickets and get them early because they go fast.</p> <h2>School Supplies and Tools</h2> <p>You spend enough money as it is on books and supplies &mdash; here is how to stretch those dollars.</p> <h3>7. Amazon Student</h3> <p>Free for the first six months, <a href=";camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;tag=wisbre03-20&amp;linkId=SAM2O7RD2U33ON3D">Amazon Student</a> provides free two-day shipping on millions items. Also, Amazon rewards you with a $10 credit for every friend that you refer to this program. There is no cap on the amount of credits you can get, so become the big man on campus by spreading the word to your buddies about Amazon Student. After the six-month free trial, you get the chance to sign up for Amazon Prime at 50% off.</p> <h3>8. Printing</h3> <p>There are two ways to spend the least possible on printing. The first one is to check with your instructor if you can submit your files digitally. The second one is to take advantage of the technology fee that you are most likely already paying. Check with your student union to find out which computer labs allow you to print for free and what the daily limits on free printing are</p> <h3>9. Autodesk Software</h3> <p>Engineering, architecture, animation, and design students rejoice. There is no need to get illegal copies anymore &mdash; you can get free Autodesk software with your valid .edu email. The <a href="">list of free 57 Autodesk programs</a> includes the very popular 3ds Max, AutoCAD, Inventor Professional, Maya, Revit, and Fusion 360.</p> <h3>10. Microsoft Software</h3> <p>Microsoft is giving away its Windows operating system and other <a href="">premium software</a>, such as <a href="">Visual Studio Professional suite</a>, at no cost to university students with a valid .edu email. If you are in the field of computer programming, you can use some of that free software to submit your entry to <a href="">Microsoft's ImagineCup</a>, a global student technology competition. The prizes start at $1,000 and, if your team makes to the finals, include a trip to Seattle and a chance for a private meeting with Bill Gates.</p> <h3>11. Welcome Back Events</h3> <p>College bookstores often host these events during the first week of the fall semester to welcome returning students and freshmen. These events are great for scoring goodies ranging from notebooks to highlighters to pens. Stock up on free school supplies that you can use throughout the semester.</p> <h2>Money Matters</h2> <p>From insurance to banking to tax preparation, here are some freebies that college students can get.</p> <h3>12. Checking Accounts</h3> <p>On your first week on campus, you have to find out whether your university has a credit union. University credit unions often offer free checking and savings accounts without any monthly fees to students. Some even provide free debit cards and online bill pay. By setting up your checking account at your local credit union, you can be in your way to building a strong financial foundation and be eligible for a line of credit in the near future.</p> <h3>13. Health Insurance</h3> <p>Even if you are attending school and financially independent from your parents, as long as you are <a href="">younger than 26 years old</a>, you can be kept on your parent's health insurance policy.</p> <h3>14. Bitcoin</h3> <p>Students with a valid .edu email may be eligible for a <a href="">free $10 in bitcoin</a>. The offer is from Coinbase, one of the most popular bitcoin wallets in the U.S. By signing up for a new Coinbase account with your .edu email, you get $10 worth in bitcoin and $1 for each person referred. Some of the students that have taken advantage of this offer include those from University of Illinois at Urbana-Champaign, University of Texas at Austin, UCLA, and UC Berkeley. With the current market value of a single bitcoin in the upper $600's, you could see a nice return on those free coins. Just keep an eye on the <a href="">tax rules when using a cryptocurrency</a>.</p> <h3>15. International Travel Insurance</h3> <p>If you already own an <a href="">International Student Identity Card</a> issued in the U.S., then you already have <a href="">basic travel insurance</a> that covers you while abroad. This is very helpful to meet the travel insurance requirement from some universities and consulates. Some of the benefits include trip and baggage delay, repatriation of remains, and accident and sickness medical expense coverage.</p> <h3>16. Taxes</h3> <p>If you are a U.S. nonresident and you are receiving scholarship or fellowship grants, you may be able to adjust your taxable gross income. When all or most of your grant monies are spent on tuition, books, and university fees, then you can include an Attachment to Form 1042-S to make those grant monies exempt from taxes. Additionally, some countries, such as China and India, have <a href="">tax treaties with the U.S.</a> that allow students from those countries additional tax breaks.</p> <h3>17. Tax Preparation</h3> <p>During tax season, many universities offer free tax preparation services for students. Don't forget to check the requirements for eligibility, such as a maximum gross income.</p> <h3>18. Tuition</h3> <p>Yes, you are reading that right. While on-campus student jobs may not offer much per hour, several offer tuition waivers. Contact your local student union or student center and ask how you can look for on-campus jobs that offer tuition waivers. Some of them may be available online, but other ones may be only available through that office. Ask around!</p> <h2>Miscellaneous Items</h2> <p>These items don't fall into a specific category, but that doesn't mean that they are less free!</p> <h3>19. Condoms</h3> <p>Drop by your school's health center and stock up on many as you want. Just make sure to check the expiration date on the packaging, if available. Stay safe on the cheap.</p> <h3>20. Counseling and Stress Management Services</h3> <p>If this is your first time away from home, you may feel a bit overwhelmed. Combat those student blues with help from on-site professionals at no cost. Some schools are even offering <a href="">biofeedback centers</a> to their students to help them measure and handle all levels of stress. The cost of counseling and stress management services is quite expensive outside of school, so if you need it, take advantage of these free on-campus services.</p> <h3>21. Social Media Freebies</h3> <p>Turn your social media influence into freebies. New York-based startup Sumpto has a reward system for students with a valid .edu email and Facebook account. The higher your <a href="">Sumpto score</a>, the better your rewards. If you are very active on Twitter and Facebook, you'll start getting free stuff in no time. Some of the companies that have provided freebies include Party City, Kraft, Chobani, Red Bull, and Office Depot.</p> <p><em>What are your favorite freebies for college students? Please share in comments!</em></p> <a href="" class="sharethis-link" title="20+ Freebies for College Students " rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Damian Davila</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Frugal Living Education & Training budget college freebies school student Wed, 11 Jun 2014 13:00:52 +0000 Damian Davila 1142125 at 7 Things You Need to Know Before Taking Online Classes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-need-to-know-before-taking-online-classes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="homework" title="homework" class="imagecache imagecache-250w" width="250" height="155" /></a> </div> </div> </div> <p>Online classes are all the rage, and with good reason: The <a href="">cost of higher education</a> has skyrocketed. Those unwilling (or unable) to take on a mountain of student loan debt are forced to seek alternatives, and for many, that means earning a degree online. (See also: <a href="">8 Cheap Ways to Continue Your Education Without Going Back to School</a>)</p> <p>Advocates of distance learning programs tout advantages like flexibility and reduced cost, but is that really true? Listed below are some unexpected ways going to school online could cost you in the long run.</p> <h2>1. Lack of Human Interaction</h2> <p>The obvious difference between attending traditional classes and taking them online is the lack of people. No face-to-face teacher time, no sharing notes with your peers, no group projects. Often the discussion and debate that takes place in the classroom is what leads to true learning, and distance learners miss it completely. Not to mention that restricting oneself to only electronic messages leaves the door wide open for miscommunication.</p> <h2>2. You May Still Have to Commute</h2> <p>To combat the problems that arise when students and teachers never meet, some programs take a hybrid approach and require that virtual students come to campus several times throughout the course of their degree. If you choose an online program based out of state, or have limited resources for commuting, this will be costly and possibly take time away from work and family.</p> <h2>3. Hidden Fees</h2> <p>If you're attracted to online classes because of the flexibility, you might want to investigate how much it's going to cost you. Some online universities penalize students who just want to take one or two classes at a time. In addition, according to US News, &quot;prospective students should also keep an eye out for assessment fees, graduation fees and yes, <a href="">even parking fees</a> when shopping around for an online degree program.&quot;</p> <h2>4. No FAFSA</h2> <p>If you're depending on Federal Student Loans to pay for your online education, be very careful when researching potential programs. An online school must be accredited by an authorized agency in order to participate in the federal financial aid program. Be on the lookout for fake &quot;accreditors&quot; whose fraudulent names sound real, but will get you rejected from FAFSA.</p> <h2>5. Less Experienced Teachers</h2> <p>Not everyone that has an advanced degree is cut out to be a teacher. Even fewer are cut out to be good teachers in an online environment. To qualify for online teaching positions, most schools only require a Master's degree, and in some cases, proof that the would-be teacher has taken a cluster of advanced coursework in the area they wish to teach. (See also: <a href="">Could Online Teaching Be for You?</a>)</p> <h2>6. No Extra-Curricular Activities</h2> <p>Ready for a shock? Often the most valuable college experiences happen outside the classroom and traditional coursework. <a href="">Internships</a>, apprenticeships, student government positions, summer research projects, Greek organizations, and academic clubs &mdash; these are the places you gain real job skills, and network with people who can help you later in life. They're also much harder to access if you're an online student. (See also: <a href="">Is Taking Online Classes Right for You?</a>)</p> <h2>7. You're More Likely to Fail</h2> <p>Schools that offer online classes love to promise how much easier it will be than traditional college. What they don't tell you is that unless you're incredibly disciplined, you're more likely to fail out of distance learning courses, thus wasting a ton of money. According to the New York Times, &quot;...[S]tudent <a href=";">attrition rates</a> &mdash; around 90% for some huge online courses &mdash; appear to be a problem even in small-scale online courses when compared with traditional face-to-face classes&hellip; Courses delivered solely online may be fine for highly skilled, highly motivated people, but they are inappropriate for struggling students who make up a significant portion of college enrollment and who need close contact with instructors to succeed.&quot;</p> <p>Learn more about the hidden costs of online classes in the infographic below:<br /> &nbsp;</p> <p><a href=""><img width="605" height="1517" border="0" alt="Online Courses Cost" src="" /></a><br /> Source: <a href=""></a></p> <p><em>Have you taken college course online? What was your experience like?</em></p> <a href="" class="sharethis-link" title="7 Things You Need to Know Before Taking Online Classes" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Beth Buczynski</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training college online classes online college online education Mon, 09 Jun 2014 13:00:34 +0000 Beth Buczynski 1141976 at 8 Colleges With the Best Programs to Get You Jobs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-colleges-with-the-best-programs-to-get-you-jobs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="students" title="students" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Over spring break, my youngest son and I went on college visits. We were most intrigued by the major-specific sessions, where we learned about not only various departments within each college, but also ways to get real-world experience before graduation.</p> <p>Cooperative work/study programs and paid internships, in particular, appealed to me as I envisioned financial benefits while he was in college and job placement afterwards. My son especially liked the prospect of getting paid experience to fund his tuition while maintaining his status as a college student. When exploring your choices, consider how colleges and universities such as these introduce you to the working world. (See also: <a href="">How Much College Can Your Kid Afford?</a>)</p> <h2>1. University of Maryland</h2> <p>Aspiring student entrepreneurs and innovators can find <a href="">resources at the University of Maryland</a> to connect them and their ideas to the outside world. Opportunities for strategic planning, development, and funding for business and social ventures include weekly meetings with successful entrepreneurs; competitions relating to business plans, clean energy, and social impact; intellectual property legal resources; and access to an angel investor network.</p> <p><strong>Elsewhere</strong>: If you are an inventor or entrepreneur, check out programs that bridge the gap between campus and the community. These may be offered through traditional means such as your career center as well as broader university and area resources such as speaker events, commercialization labs, and business-plan or innovation competitions.</p> <h2>2. Rice University</h2> <p>Rice University Center for Career Development office has set up a <a href="">Career Mentor Network on LinkedIn</a>. Students are encouraged to initiate and participate in career-related discussions with alumni online. This arrangement is similar to informational interviewing, but done via social media rather than phone and face-to-face sessions. Like an <a href="">informational interview</a>, the purpose is to get better understanding of real-world activities, not ask for a job.</p> <p><strong>Elsewhere</strong>: Many universities offer mentoring or networking programs that connect students with alumni. Take advantage of whatever contacts you can make while in school or upon graduation.</p> <h2>3. University of Wisconsin-Oshkosh</h2> <p>Students earning a Bachelor of Science in Nursing (BSN) at the University of Wisconsin Oshkosh apply classroom knowledge to real-world situations through clinical rotations in various healthcare settings. Uniquely, the university arranges <a href="">clinical experiences for online students</a>. Eligibility is limited to those in special programs, designed for RNs who hold an associate degree in nursing and graduates with a bachelor's degree in another field.</p> <p><strong>Elsewhere</strong>: Most nursing programs, and many healthcare related disciplines, contain a clinical component that connects students to the working world. Look for arrangements that will fit your work-life needs, and enable you to get desirable clinical experience with targeted employers.</p> <h2>4. Shelton State Community College</h2> <p>Alabama's Shelton State Community College is involved in a <a href="">joint venture with a major employer</a> that aligns technical education with specific needs in the working world. Training provided by the college prepares students for work at the Mercedes production plant.</p> <p><strong>Elsewhere</strong>: Many community colleges have the mission of preparing students for opportunities in industry. But often the facilities at a college are out of sync with current technologies and business needs. Look for programs that match training with in-demand skills and facilitate hands-on experiences with area employers.</p> <h2>5. Minneapolis College of Art and Design (MCAD)</h2> <p>Art and design internships are available in a variety of disciplines, such as Animation, Filmmaking, and Sculpture. Students may work with local organizations as well as those that are known nationally and internationally. They contribute to <a href="">real-world projects</a>, developing skills in working with people and bringing ideas to life while building their portfolios. &nbsp;</p> <p><strong>Elsewhere</strong>: Find ways to expand your portfolio, which should naturally lead to professional connections. Plus, such projects can give you insights into methods of channeling your creativity to community and business needs.</p> <h2>6. The University of Texas at Austin</h2> <p>Undergraduate students earning a BBA degree (Bachelor of Business Administration) from the University of Texas at Austin McCombs School of Business are <a href="">required to complete an internship</a>. The BBA Career Services team provides support in landing internships, which are eligible for course credit. These experiences enable students to make professional contacts while giving them insights into how their studies prepare them for specific assignments in the working world.</p> <p><strong>Elsewhere</strong>: Locate and secure internships through your own research or under the guidance of career centers at your college or university. Note that some opportunities are paid while others are unpaid or even require payment for your participation.</p> <h2>7. Drexel University</h2> <p>Over 90% of eligible undergraduate students participate in a co-op program at <a href="">Drexel University</a>. Students work one or three semesters, depending on opportunities in their majors and whether they want to graduate in four or five years.</p> <p>Co-op positions are available for a wide variety of majors, including Anthropology, Design and Merchandising, Film and Video, Marketing, Sociology, and Sport Management.</p> <p><strong>Elsewhere</strong>: When evaluating a school, ask about cooperation education opportunities offered through collaborations among the college or department of your intended major, the university's career center, and employers.</p> <h2>8. Monmouth University</h2> <p>An introduction to the working world for education majors begins early at Monmouth University. Field experiences start in the <a href="">sophomore year</a>, continue in the junior year, and culminate in a semester of student teaching in the student's senior year of college.</p> <p><strong>Elsewhere</strong>: Nearly all aspiring teachers complete a student-teaching component before graduation. Getting real-world experience early is wise, either through a formal program or arrangements you make yourself with individual schools. More observation and hands-on experience can help you 1) decide whether to pursue classroom teaching as a career and 2) better prepare you to manage classroom activities.</p> <p><em>How were you introduced to the working world while earning your degree? </em></p> <a href="" class="sharethis-link" title="8 Colleges With the Best Programs to Get You Jobs" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Julie Rains</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Career Building Education & Training college internships work experience Fri, 09 May 2014 08:12:33 +0000 Julie Rains 1138262 at Best Money Tips: Tips to Start Saving for Your Child's College <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-tips-to-start-saving-for-your-childs-college" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="piggy bank" title="piggy bank" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="">Best Money Tips</a> Roundup! Today we found some fantastic articles on saving for your child&#39;s college, moves to make at work this year, and ways money slips through your fingers.</p> <h2>Top 5 Articles</h2> <p><a href="">6 Tips to Start Saving for Your Child&#39;s College</a> &mdash; Starting early and remembering that nothing is too small can help you save for your child&#39;s college. [Parenting Squad]</p> <p><a href="">50 Small and Big Moves to Make at Work this Year</a> &mdash; Recording your achievements and setting monthly goals are two good things to do at work this year. [PopSugar Smart Living]</p> <p><a href="">18 Ways Money Slips Through Your Fingers</a> &mdash; If you aren&#39;t using coupons or gift cards, you may be letting money slip through your fingers. []</p> <p><a href="">Debt and Marriage: What You Should Know Before the Wedding</a> &mdash; Before you get married, know the financial behaviors of your future spouse. [Money Smart Life]</p> <p><a href="">How to Save Half Your Income</a> &mdash; To save half of your income, pay off your most painful debt first. [Frugal Portland]</p> <h2>Other Essential Reading</h2> <p><a href="">7 Signs That You&#39;re Turning Frugal Into a Dirty Word</a> &mdash; You may be turning frugal into a dirty word if you never give to others. [And Then We Saved]</p> <p><a href="">5 Frugal Mini-Projects to Contain Cabin Fever this Winter</a> &mdash; To contain your cabin fever this winter, make cake pops. [Frugal Confessions]</p> <p><a href="">How to Invest in Dividend Stocks for as Little as $10</a> &mdash; If you want to invest in dividend stocks, consider a direct stock purchase plan. [Cash Money Life]</p> <p><a href="">Cold Weather Spiking Your Heating Bill?</a> &mdash; Did you know bubble wrap can lower your heating bill while keeping you warm? [Girls Just Wanna Have Funds]</p> <p><a href="">What it Took to Quit My Job and Work for Myself in 6 Months</a> &mdash; Learning to give, get organized, and connect&nbsp;is&nbsp;essential when trying to work for yourself. [Careful Cents]</p> <a href="" class="sharethis-link" title="Best Money Tips: Tips to Start Saving for Your Child&#039;s College" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Ashley Jacobs</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training best money tips child college saving Tue, 14 Jan 2014 11:00:15 +0000 Ashley Jacobs 1111157 at How Much College Can You (and Your Kid) Afford? <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-much-college-can-you-and-your-kid-afford" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="college student" title="college student" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>When I first noticed headlines spreading the distressing news that <a href="">money might influence college choices in this post-recession era</a>, I was surprised to learn of the possibility that college-bound students and their parents might <em>not </em>consider the cost. (See also: <a href="">Financial To-Do's for College Freshmen</a>)</p> <p>Comparing options for <a href="">such an enormous purchase</a> seems to be a sensible approach. College tuition, fees, books, and other expenses can consume tens of thousands of dollars if not well over $100,000. While <a href="">college graduates as a group enjoy greater incomes than those with less education</a>, they may not reap more from an investment in a pricey college than one with a much lower price tag. How to decide how much to spend?</p> <h2>Start by Assessing Educational and Career Goals</h2> <p>Start the decision-making process by examining the reasons for attending college, which may include the opportunities to:</p> <ul> <li>Prepare for the workforce through specialized studies as well as hone skills in communications, critical thinking, and problem solving<br />&nbsp;</li> <li>Garner a higher starting salary and/or greater considerations for advancement in the workforce<br />&nbsp;</li> <li>Prepare for graduate-level studies<br />&nbsp;</li> <li>Get the college experience, which could range from living with peers in a residence hall on campus, forming bonds with people of different backgrounds, and studying abroad<br />&nbsp;</li> <li>Develop a professional and social network that extends beyond your local area</li> </ul> <h2>Financial Aid, Loans, and Work-Study Aren't Free</h2> <p>Getting a financial aid package can make college seem affordable, at least in the short term. But if you have to incur loads of debt, then a choice made in your teens could have long-term, lifelong consequences. In fact, <a href="">many recent grads are delaying milestone moves</a> such as getting married, buying a house, and having children because of the burden of student loans. Higher income after graduation may not offset the costs associated with <a href="">paying off balances on student loans</a>. (See also: <a href="">Ways to Pay Back Student Loans Faster</a>)</p> <p>Opting for work-study programs or simply getting a job may also help pay the bills, but it can detract from the college experience. According to a <a href="">survey by Citi and Seventeen magazine</a>, nearly 4 out of 5 students are working during college and the average student is working 19 hours per week during the school year. For many, going to a more expensive college may not make as much sense if you don't have time to study, collaborate with peers on projects, and develop your network.</p> <p>And, if there is a slight change in your financial situation, then you may not be able to afford to continue. An abrupt move can be difficult if you must restart studies at another university, losing the momentum in earning your degree especially if certain course credits don't transfer.</p> <h2>So, a Cheaper College Is Better?</h2> <p>Still, choosing a less expensive college over a more expensive one may not be as simple as it looks. Sure, if you have to pay full sticker price, then the comparison is relatively easy. However, many colleges and universities use published costs as a starting point for offering financial aid, which may include grants, scholarships, work-study programs, and loans.</p> <h2>Matching Budget and College</h2> <p>Based on my experiences with a college-age son and a conversation with the folks at Citi's Financial Education-Personal Wealth Management group, here is what many students do to get the best deal:</p> <ul> <li>Determine which colleges and universities are most likely to fit your professional and personal aspirations.<br />&nbsp;</li> <li>Before applying to schools, show interest in desired colleges and universities by communicating with admissions officers, taking campus tours, etc. as schools tend to be more interested in admitting students who are likely to accept offers (and you must be admitted before you can get school-based scholarships).<br />&nbsp;</li> <li>Complete applications to multiple colleges and universities.<br />&nbsp;</li> <li>Apply by deadlines for regular admission or early action, but don't choose the early-decision option because if you are bound to attend a particular college, you can't compare and negotiate aid packages. Note that you might consider applying for early action to be eligible for all school-specific scholarships.<br />&nbsp;</li> <li>Apply for scholarships and financial aid at all colleges and universities after being admitted.<br />&nbsp;</li> <li>Compare financial aid packages, paying attention to the mix of loans, scholarships, and other assistance.<br />&nbsp;</li> <li>Consider <a href="">making an appeal</a> if you think the financial aid office could make a better offer based on your unique circumstances.</li> </ul> <p>At this point, use the package deal (not sticker prices or published costs) to make an informed decision about your actual cost and the debt you'll incur (if any) to get a degree at each institution. (See also: <a href="">6 Ways to Save on Tuition</a>)</p> <h2>Manage Non-Tuition Expenses, Too</h2> <p>Don't forget to calculate extra expenses that often surprise students and their parents.</p> <p>According to <a href="">Jonathan Clements, Director of Financial Education at Citi's Personal Wealth Management</a>, parents and their college-bound students can easily predict certain expenses (such as tuition, fees, housing, and dining plans) but become blindsided by other costs, such as travel to and from the university, sorority and fraternity fees, books, and entertainment. (See also: <a href="">How to Score Free Textbooks</a>)</p> <p>To control these costs, plan travel ahead of time to get the best deals, take advantage of cheap entertainment, and find frugal friends who can give you tips on controlling expenses. In addition, you might take odd jobs on campus that don't require an ongoing commitment. For example, you could enter essay contests with cash prizes, work at ballgames, or become a test subject in psychology experiments.</p> <p>When my youngest son started to contemplate colleges, he was perplexed and frustrated that I was encouraging him to apply to in-state institutions, although I have since agreed to work with him to pursue other affordable possibilities. He began to understand my concerns when he started comparing costs among colleges and universities on <a href=""></a>.</p> <p>My high school student determined that a high-priced school was unlikely to provide an advantage worth $100,000 more than a moderately-priced one. Certainly, there may be situations when the extra money would be worth the cost. For this decision, though, my husband, my son, and I would rather pay less now. Differences in the quality of education, networking, etc. could be overcome through internships and other types of experiences.</p> <p><em>Did money influence your college choice? How did you make your decision?</em></p> <a href="" class="sharethis-link" title="How Much College Can You (and Your Kid) Afford?" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Julie Rains</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training college financial aid tuition Fri, 04 Oct 2013 09:48:03 +0000 Julie Rains 994554 at 20 Places to Buy or Rent Textbooks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/20-places-to-buy-or-rent-textbooks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="woman with books" title="woman with books" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>When I went to college, I bought my textbooks at the college bookstore and sold them back to the same bookstore. These days, though, there are tons of places to buy or even rent textbooks. You don't need to spend a fortune on them. (See also: <a href="">Score Free (or Almost Free) College Textbooks</a>)</p> <h2>1. Amazon Student</h2> <p><a href=";camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=465600&amp;tag=wisbre03-20">Amazon</a> offers new, used, rentals, and eTextbooks, and you get up to 70% back when you sell your books back. Sign up for <a href=";camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;tag=wisbre03-20">Amazon Student</a> to get Free Two-Day Shipping for College Students. (See also: <a href="">Big List of Student Discounts</a>)</p> <h2>2. Chegg</h2> <p>With <a href="">Chegg</a>, you don't just get an online store to rent or buy textbooks at up to 80% off, you get a community that will help you with your schedule, homework, and more. Get 24/7 online study help, see reviews and ratings on courses from other students, and then sell your textbooks back when you're done with them.&nbsp;</p> <h2>3. CourseSmart</h2> <p><a href="">CourseSmart</a> offers eTextbooks and eResources, which can save you up to 60% off the price of print textbooks. Save even more with their subscription packs.</p> <h2>4. CampusBookRentals</h2> <p><a href="">CampusBookRentals</a> allows you to find textbooks for rent. Shipping is free both ways, and you can even write and highlight in them. You can decide to keep the book &mdash; you'd pay the difference between the purchase and rental price. Lastly, you can sign up to rent out your own copy of a book and make money!</p> <h2>5. eCampus</h2> <p><a href="">eCampus</a> gives you the option to rent, buy, or sell textbooks. They also have a rewards program that allows you to earn points for purchasing, renting, selling, and sharing on social media. These points can be redeemed for dollars off your next order.</p> <h2>6. BookRenter</h2> <p>Rent or buy textbooks at <a href="">BookRenter</a>, where shipping for rentals is free both ways (they also have RapidReturn drop-off locations).</p> <h2>7. CengageBrain</h2> <p><a href="">CengageBrain</a> offers eBooks, single eChapters, study tools, and homework solutions in addition to textbooks for rent or purchase. Students can also get FREE 7 day eBook access to their purchases while the print versions are being shipped. (See also:&nbsp;<a href="">Extra Income Opportunity: Online Tutoring</a>)</p> <h2>8. Bookbyte</h2> <p>Rent, buy, or sell textbooks at <a href="">Bookbyte</a>. They also offer a 10% cash rebate on the return of all textbook rentals.</p> <h2>9. Textbookx</h2> <p><a href="">Textbookx</a> not only offers new and used textbooks for sale or rent, they also offer bestselling books like &quot;7 Habits of Highly Effective People&quot; and &quot;The Great Gatsby.&quot;</p> <h2>10. TextbookStop</h2> <p>At <a href=";fot=9999&amp;foc=1">TextbookStop</a>, you can rent new or used textbooks or buy used textbooks. You can also sell your used textbooks. They have drop-off locations, too, where you can pick up or drop off your rentals, as well as sell your own textbooks.</p> <h2>11. Textbooks</h2> <p>At&nbsp;<a href="">Textbooks</a>, you can buy, rent, or sell used textbooks (they'll give you a free shipping label). They also offer eTextbooks. Get textbooks at up to 90% off, and they have a generous 30-day no hassle return policy.</p> <h2>12. BookFinder</h2> <p>At <a href="">BookFinder</a>, search through their database of over 100,000 booksellers and 60+ websites worldwide for the best price on any textbooks on your shopping list.</p> <h2>13. Alibris</h2> <p><a href="">Alibris</a> offers a wide selection of textbooks for sale and rental (as well as rare popular and rare books, music, and movies). Save up to 80% off list price. They offer new, used, and international edition textbooks. Return rentals for free.</p> <h2>14. AbeBooks</h2> <p><a href="">AbeBooks</a> offer new and used textbooks, and they have recently introduced a rental service. Get free shipping on textbooks!</p> <h2>15. TextbookRush</h2> <p>Buy new or used, or find rentals at <a href="">TextbookRush</a>. In addition to buying directly from they, they offer a marketplace where you can find other sellers for the books you need.</p> <h2>16. CampusBooks</h2> <p><a href="">CampusBooks</a> allows you to compare prices on textbooks for sale or rent on various sites. You can also compare prices on various sites for offers on textbooks you want to sell.</p> <h2>17. Bigwords</h2> <p><a href="">Bigwords</a> go further than your average price-comparison search engine. Enter in all the books you need, and they will compare every combination of items at every store, take into consideration shipping and all promotions to show you the best possible price, including any applicable coupons.</p> <h2>18. Direct Textbook</h2> <p><a href="">Direct Textbook</a> is a search engine that will show you all the available offerings (whether rental, used, or new) on any book you need. They also search libraries and offer a price alert to keep you updated on any special deals.</p> <h2>19. ValoreBooks</h2> <p><a href="">ValoreBooks</a> is a marketplace where students can buy or rent cheap textbooks from over 18,000 verified sellers and rental providers who compete to provide the absolute lowest prices. In addition to textbooks, you can also sell back iPhones, iPads, DVDs/CDs, and video games.</p> <h2>20. Blue Rocket Books</h2> <p><a href="">Blue Rocket Books</a> is a search engine that displays offers from other sites for any book you need, whether buying new, buying used, or renting. They also buy back books directly.</p> <p><em>What's your favorite discount textbook resource?</em></p> <a href="" class="sharethis-link" title="20 Places to Buy or Rent Textbooks" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Lynn Truong</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training back to school books college discount books school supplies textbooks Fri, 06 Sep 2013 10:24:29 +0000 Lynn Truong 981496 at How to Score Free (or Almost Free) College Textbooks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-score-free-or-almost-free-college-textbooks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="woman in library" title="woman in library" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>College is expensive, and I'm not just talking about the sticker shock of tuition. There are other costs, some that you might not consider at first. There's the expense of decorating and giving your dorm room style and personality, plus the daily cost of food if you're not on a meal plan. And an even bigger expense &mdash; textbooks. (See also: <a href="">Save 20-100% on Textbooks</a>)</p> <p>Don't think that you're going to walk into a campus bookstore and pay $30 for a book &mdash; you'd be lucky to find a book this cheap. College-related miscellaneous expenses can vary by semester, with the average cost for books and supplies starting at $1,200 for public and private colleges, reports College Board.</p> <p>Not exactly good news if you're on a tight budget. However, college textbooks don't have to break the bank. The campus bookstore isn't your only option. Get creative and you might score free textbooks &mdash; or at least cheap books.</p> <h2>1. Check Out Your Library's Selection</h2> <p>Since you'll use your main textbooks for the entire semester, you may not think to check the selection at your campus library. But along with your main textbook, your professor may include a list of other books &mdash; books that you may not need the entire semester. (See also: <a href="">4 Reasons Why You Should Support Your Local Library</a>)</p> <p>&quot;After arriving to campus, students should go to their college library as soon as possible with a list of the textbooks needed, and if the library has the book, inquire about checking it out.&quot; says, Jon Lal, founder of <a href=""></a>.</p> <p>Given the fact that you may only need a particular book for a few lectures, it doesn't make sense to spend your hard earned money. If the book isn't available in the library, see if your school is part of a lending consortium&nbsp;&mdash; you might be able to borrow the book from another school's library.</p> <h2>2. Network With Other Students</h2> <p>Befriend others in your major, and you may never pay full price for a textbook again. Opening your mouth and doing a little networking is an excellent way to get free or cheap textbooks. Maybe you know people who took the same class last semester. They might sell you the book at a price cheaper than the campus bookstore. And if you have old textbooks in your possession, you might be able to negotiate an even-exchange swap.</p> <p>According to Lal, <a href=""></a> is a great place to see if your Facebook friends have a copy of the book you need. Or you can use sites like <a href=""></a>, <a href=""></a>, and <a href=""></a> to exchange used books with other students.</p> <h2>3. Get the eBook</h2> <p>If you're on a budget and don't have a lot of cash, skip the laptop and go with a tablet computer. These devices are affordable, lightweight, and great for studying, and they can fit inside your backpack. (See also: <a href="">Use an iPad as a Laptop</a>)</p> <p>&quot;A tablet can provide value to students well beyond its small price tag,&quot; says Lal. Download apps, access electronic textbooks, or search the Internet. You can even purchase a keyboard to create and save documents more easily.</p> <p>With a tablet, getting your textbook in ebook form might be easier than you think. Several resources are available to you &mdash; many at no charge. For example, the <a href="">Internet Public Library</a> offers free access to classic books, and if you search the <a href="">Internet Archive</a>, you'll gain access to more than 2,500,000 items.</p> <p>Lal also recommends the <a href="">Project Gutenberg Literary Archive Library Foundation</a>, a non-profit with free novels and textbooks downloadable to a computer or tablet, or you can access free ebooks and PDF textbooks through <a href=""></a> and <a href=""></a>.</p> <h2>4. Rent Your Books</h2> <p>If you buy your books there's always a chance that you won't be able to resell at the end of the semester. And since you're not likely to open the book once you finish the class, why waste $100 (or more) for one book?</p> <p>Buying books online can be cost-effective, but this might not offer the best savings. Renting books from stores, such as <a href="" target="_blank">Textbook Stop</a>, <a href="">TextbookX,</a> <a href="" target="_blank">Book Renter</a>, and <a href="" target="_blank">Bookbyte</a> can help you stay on budget. For greater savings, search online for a free coupon code. You might be able to take a percentage off your rental or receive free shipping.</p> <h2>5. Earn Cash Back on Books</h2> <p>You probably won't find free or cheap copies for all the textbooks on your list, but even if you only score one free book, that's cash you don't have to spend. (See also: <a href="">17 More Places to Buy, Sell, and Trade Books</a>)</p> <p>Whether you rent, buy used, or purchase new, pay for your textbooks with a rewards credit card, if possible. This way, you earn cash back or points on every purchase &mdash; regardless of whether you're online or in-store. Cash back earnings can help offset the cost of expensive college textbooks.</p> <p>But don't only pull out your credit card when you're buying books. To maximize your savings, use the credit card for groceries, gasoline, and other miscellaneous expenses. Build up your cash back reward balance, and by next semester, you might have earned enough to cover the cost of all your books &mdash; just make sure that you pay off your credit card balance in full each month. (See also: <a href="">Great Credit Cards for College Students</a>)</p> <p><em>Do you have other tips for saving on college textbooks? Let me know in the comments below.</em></p> <a href="" class="sharethis-link" title="How to Score Free (or Almost Free) College Textbooks" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Mikey Rox</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training books college textbooks tuition Mon, 02 Sep 2013 10:36:29 +0000 Mikey Rox 981619 at A Better Way to Rank America's Colleges <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-better-way-to-rank-americas-colleges" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="college student" title="college student" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <h2>Update: A Better Way to Rank America's Colleges</h2> <p>Following up on its ranking of &quot;America's Best Bang for the Buck Colleges&quot; (see below), Washington Monthly has released its much broader &quot;National University Rankings.&quot; In addition to the cost and affordability factors of the previous list, this list adds such criteria as &quot;Research&quot; and &quot;Service,&quot; with the goal of identifying institutions that best serve the public interest.</p> <blockquote><p>We rate schools based on their contribution to the public good in three broad categories: Social Mobility (recruiting and graduating low-income students), Research (producing cutting-edge scholarship and PhDs), and Service (encouraging students to give something back to their country).</p> </blockquote> <p><img src="" width="605" height="278" alt="" /></p> <p>University of California, San Diego tops the list, for the fourth year running.</p> <p>Visit Washington Monthly for <a href="">the complete, sortable list</a> and <a href="">more details on ranking criteria</a>.</p> <p><em>How much good does your school do?</em></p> <h2>Previously:&nbsp;A New Way to Rank Higher Ed: America's Best Value Colleges</h2> <p>While many students will be launching their college careers in the coming days (and struggling to pay for those educations), their younger siblings are just now making decisions about the colleges and universities they'll attend <em>next </em>fall. (See also:&nbsp;<a href="">6 Ways to Save on College Tuition</a>)</p> <p>There are a number of rankings and lists to help sort through all the choices, based on a variety of criteria (<a href="">US News' ranking</a> comes to mind). Now political journal Washington Monthly steps in with a ranking that's relevant to most of us:&nbsp;<a href="">America&rsquo;s Best-Bang-for-the-Buck Colleges</a>.</p> <p>To make the list, schools had to meet four criteria:</p> <ol> <li>To ensure that the university does not serve only the wealthy, 20% of the college's students must be recipients of Pell Grants, which go to students from families earning less than $50k per year.<br /> &nbsp;</li> <li>Colleges must have a graduation rate of at least 50%, which is an indicator of institutional effectiveness.<br /> &nbsp;</li> <li>Graduation rates must exceed the <em>statistically predicted graduatuion rate</em> based on the number of admitted lower-income students.&nbsp;<br /> &nbsp;</li> <li>Student loan default rates must be below 10%, a measure of the ability of students to find employment post-college.&nbsp;</li> </ol> <p>Once colleges cleared those hurdles, Washington Monthly &quot;applied the 'buck' part of the measure&quot; by sorting the schools based on the average cost of tuition a family making less than $75k would pay, net of need-based support. In other words, what it costs out of pocket to attend.</p> <h2>The Top Ten Best Bang for the Buck Colleges</h2> <p><img src="" width="566" height="408" alt="" /></p> <p>The <a href="">complete list</a>, which can be sorted several ways, is available at the Washington Monthly.</p> <p>(How about a shout out for your correspondent's alma mater, climbing all the way to Number 6!)</p> <p><em>Is Bang for the Buck a good measure of a school's value? Is it something you might use in deciding on a college for you or your children?</em></p> <a href="" class="sharethis-link" title="A Better Way to Rank America&#039;s Colleges" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Lars Peterson</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Budgeting Education & Training college financial aid student loans tuition university Wed, 28 Aug 2013 00:21:31 +0000 Lars Peterson 981493 at 10 Things You Didn’t Learn in College (but You Should Have) <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-things-you-didn-t-learn-in-college-but-you-should-have" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="thinking" title="thinking" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>I used to see school as a sort of factory &mdash; one that ingested small children and spat out highly trained adults who would be snapped up by big companies that would pay them lots and lots of money.</p> <p>Of course, somewhere along the way, we all tend to come to the (very crushing) realization that it doesn't quite work that way. I think it happens right around when school stops pulling you along from one grade to the next and asks you what you'd like to do with the rest of your life. Oh, and by the way, your happiness, your financial future, and the respect of your family and friends all hang in the balance. (See also: <a href="">5 Tips for My Career-Clueless College Self</a>)</p> <p>It's kind of ironic that most of us head to college hoping to get smarter and end up feeling so stupid. This isn't because college doesn't teach you anything, but because it often tends to give the wrong impression. To that end, here are a few things you probably didn't learn in college &mdash; but maybe you should have.</p> <h2>1. Most of What You Learn Will Be Useless</h2> <p>Sorry. It's the truth. Once you graduate, all those facts you worked so hard to memorize will seem so bafflingly inane that you'll wonder why you even bothered. That's no knock on the education system, but most of the struggling you'll do at work will be completely remote from facts, figures, and even logical reasoning; it'll have to do with interpersonal relationships, self doubt, company-specific systems and practices, and plain, old boredom. Your degree will give you some background in your field and possibly some fancy words to use around the water cooler, but most of the real training happens on the ground.</p> <h2>2. It's Not About the Degree</h2> <p>There's a lot of debate about whether an English degree is useless, or a philosophy degree's a waste of time or whether you can get anywhere with sociology. I think these arguments miss the point. Getting a job is not about your degree; it's about you.</p> <p>The degree you choose will give you an opportunity to hone (and discover) your key skills, but it's still up to you to figure out how you're going to capitalize on them. People tend to look at a degree in terms of what it can do for them, but what's actually more productive is looking at how you can use your degree to do something great for an employer. After all, that's what they'll be paying you for.</p> <h2>3. School Isn't Everything</h2> <p>College is this weird microcosm where a quiz suddenly seems like the most important thing in the world. It isn't. That isn't to say you should blow off your studying, but if you're pouring all your efforts into getting straight A's, you might be missing out on things that will actually do you more good in the long run, like getting some experience in your field, volunteering, joining a student organization, or even just making some new friends. These are all things that you can use on a resume, in an interview, and in life. They're things that'll make you stand out. Because let's face it, you're not the only one who can get a 4.0.</p> <h2>4. Your Degree Doesn't Dictate Your Future</h2> <p>If you get a degree in education, you have to become a teacher, right? Otherwise, you're not using your degree. Maybe not, but life's not a straight shot to the finish line. Sometimes it's meandering, and while that's pretty frustrating, it's actually a good thing. After all, do you really want to make a beeline for a life you don't want? If you've gone the wrong way, the only thing to do is turn back. Your experiences &mdash; including college &mdash; make you who you are. That's not a mistake. And you don't have to let a decision you made when you were 18 dictate the course of your entire career.</p> <h2>5. Passing Tests Isn't the Point</h2> <p>College &mdash; and school in general &mdash; often teaches us to shove information into our short-term memories, spit it out for a test, and promptly forget it all. Pulling an all nighter might just be a rite of passage, but it isn't learning. That takes time and thought, and it leaves a lasting impression.</p> <h2>6. Creativity Counts</h2> <p>In the Liberal Arts department, creativity is given a free pass, but it seems a bit unwelcome in other classes (business, I'm looking at you). As a result, for a long time, I assumed that some pursuits were creative, while others were not. The truth is that creativity isn't just painting a picture; it's building a business, coming up with a scientific theory, or writing a computer program. In other words, it's about being able to imagine something that doesn't already exist. People who do that tend to be very successful in any field.</p> <h2>7. So Does Your Personality</h2> <p>Some professors try to teach you how to play with others by assigning &quot;group work.&quot; Most people hate it. That's because getting along with people is hard. Just wait until you get to the workforce where the stakes are higher and you could be stuck working alongside the same people for months or years, rather than a few weeks out of a semester. If any of us had any idea how important working and getting along with other people really is, we'd probably put a lot more thought into it, rather than just spending the whole time wishing that group project could be over.</p> <h2>8. There's Luck Involved</h2> <p>University &mdash; and the entire school system &mdash; is propped up by the idea that we can all do whatever we want to do as long as we apply ourselves and try hard enough. Sorry. Not true.</p> <p>If you're colorblind, you can't be a pilot. You can't be a veterinarian if you're deathly allergic to animals. And there's a little bit of luck involved in succeeding at just about anything. That doesn't mean you shouldn't try. What it means is that you have to go in knowing that failure's a possibility and that if and when it happens, you'll be ready to face it. It also means you should keep an eye out for any lucky break you can get.</p> <h2>9. It Isn't About the Money</h2> <p>College often teaches us how to find high-paying jobs, but it misses the other side of the equation &mdash; how to properly manage the money we make. If you haven't already, take some time to learn about <a href="">budgeting</a>, <a href="">saving</a>, and <a href="">investing</a>. That way you'll be able to get the most of what you earn, rather than making way more and having remarkably little to show for it.</p> <h2>10. You Never Really Graduate</h2> <p>Once you graduate, it's tempting to breathe a sigh of relief &mdash; the hard part is over! Not so fast. If you really want to excel in your career &mdash; and in life &mdash; you have to keep learning. It allows you to stay current in your field, and to discover all the new things that keep life interesting. Plus, do you really want to spend your whole life doing things the wrong way, or just a little while?</p> <p>I learned a lot of things in college (some of which I won't get into), but there are also a lot of things I would've liked to know a little earlier. I guess that's another lesson I had coming to me &mdash; you never know what you don't know...until you do.</p> <p><em>What did you really learn in college?</em></p> <a href="" class="sharethis-link" title="10 Things You Didn’t Learn in College (but You Should Have)" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Tara Struyk</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training Job Hunting Personal Development college education learning life lessons Mon, 05 Aug 2013 10:24:30 +0000 Tara Struyk 980786 at 6 Things Every College Student Must Know About Private Student Loans <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-things-every-college-student-must-know-about-private-student-loans" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="college" title="college" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>The cost of college is increasing with frightening speed. A recent report shows that it has <a href="">increased 12 fold over the last 30 years</a>. This makes paying for college more difficult than ever, especially if you're limiting yourself to federal assistance. However, there are some things that you should know about private student loans before you sign up for them. A little bit of due diligence on your part can save you a lot of headaches down the road. (See also: <a href="">To FAFSA or Not to FAFSA: A Former Student's View of Student Loans</a>)</p> <h2>1. The Interest Rates Can Be Murder</h2> <p>When you get out of college, there's a good chance that you're not going to be making a ton of money. Unless you're in one of the <a href="">top 10 paying majors</a> &mdash; all of which are science, technology, engineering, and math (STEM) majors &mdash; you're going to be lucky if you <a href="">even have money to start paying back your loans</a>. This is why it's crucial to only take on low-interest loans. Private loans, however, have some of the <a href="">highest interest rates</a> going this side of credit cards.</p> <h2>2. Watch Out for Hidden Fees</h2> <p>Your publicly funded student loans are pretty straightforward. You fill out some paperwork, get a loan for what you need, and you pay back that amount plus interest. Private student loans are more like mortgages, however, and can be riddled with hidden fees. These can include origination fees, as well as penalties for late payments. Before you sign on the dotted line, ask about all the relevant fees and charges, as well as what happens if you can't make payments.</p> <h2>3.You Almost Always Need a Cosigner</h2> <p>There are virtually no private student loans out there that students can get without getting <a href="">someone else to sign on with them</a>. What's more &mdash; and not to get too morbid here &mdash; your parents or whoever you get to cosign for you will be on the hook for the money even if <a href="">you are disabled or you die</a>. You might have heard that there's basically no way to get rid of student loans short of paying them back. In the case of private student loans, they can continue to haunt people from beyond the grave.</p> <h2>4. You Should Shop Around for the Best Rates</h2> <p>When you take out loans through the federal government, the rate is the rate. It's set the same for everyone in Washington. Private student loans, however, are more competitive, meaning that you can shop around for the best available rates. You wouldn't buy a car or a house without shopping around for the best rates; why buy an education without shopping around? Go to at least three banks, and don't be afraid to play one against the other in your quest for the lowest rate. Make sure to research what the prevailing rates are nationwide before you even walk in the door.</p> <h2>5. You Can Borrow a Metric Ton</h2> <p>There are limits built into your student loans; these are called a &quot;ceiling.&quot; Private student loans have a higher debt ceiling than those that you take out through Uncle Sam. That might sound like a good thing at first, until you realize that the money you're borrowing isn't actually going toward your education; Rather, it's going toward necessary expenses related to your least in theory. In practice, it's going to go toward Friday night beer runs and the perfect set of bookshelf speakers for your dorm room. Don't take any more money than you absolutely need. You will rue the day if you choose otherwise.</p> <h2>6. Tax Benefits: A Silver Lining</h2> <p>On the up side, there are some tax benefits to taking out private student loans. FinAid reports that you can <a href="">deduct as much as $2,500 in interest</a> from your taxes per year on student loans, private or public. You can't refinance, and it won't apply to monies taken in the form of disbursement. However, the good news is that you can use the deduction even if you don't itemize your deductions on a Schedule A.</p> <h2>Get a Private Loan or Not?</h2> <p>The short answer is that you should <a href="">avoid private loans wherever possible</a>. Look for grants and scholarships, attend community college for a couple of years, or go to less prestigious state-funded schools. On the other hand, if you're going into a STEM field, borrow with caution, and pay back as quickly as possible.</p> <p><em>Have you considered private education loans to help fund college?</em></p> <a href="" class="sharethis-link" title="6 Things Every College Student Must Know About Private Student Loans" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Nicholas Pell</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training borrowing college interest rates student loan Fri, 02 Aug 2013 10:24:37 +0000 Nicholas Pell 980956 at Best Money Tips: Save Money While in College <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-save-money-while-in-college" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="college" title="college" class="imagecache imagecache-250w" width="250" height="161" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="">Best Money Tips</a> Roundup! Today we found some great articles on ways to save money in college, the biggest money wasters, and email etiquette.</p> <h2>Top 5 Articles</h2> <p><a href="">11 Ways To Save Money While In College</a> &mdash; Save money while in college by avoiding credit cards and selling things you don't need. [Money Q&amp;A]</p> <p><a href="">28 of the Biggest Money Wasters, According to Real People</a> &mdash; Cigarettes and workout supplements are two big money wasters. [PopSugar Smart Living]</p> <p><a href="">Email Etiquette</a> &mdash; When sending an email, remember to proofread it a few times to make sure there are no errors. [Free Money Finance]</p> <p><a href="">The 10 Best Low Risk Investments for High Returns</a> &mdash; Money market funds and annuities are low risk investments with potentially high returns. [Good Financial Cents]</p> <p><a href="">Scams and Schemes to Be Aware Of and How to Avoid Falling Prey to Others</a> &mdash; To avoid falling prey to scams, avoid fast talkers and pushy sales people. [Three Thrifty Guys]</p> <h2>Other Essential Reading</h2> <p><a href="">The truth about being broke</a> &mdash; Being broke teaches you that only you can solve your problems and how to live below your means. [Get Rich Slowly]</p> <p><a href="">Take the Stress Out of Retirement Planning</a> &mdash; To take the stress out of retirement planning, set aside 10% of your income for savings. [Yes, I Am Cheap]</p> <p><a href="">Framing Your Life</a> &mdash; When figuring out what advice you should follow for your life, make sure you really understand the source of the advice and that you can demonstrate that the advice actually works. [The Simple Dollar]</p> <p><a href="">A simple way to understand a complicated stock market</a> &mdash; If the stock market goes up, savings account rates may start to recover. [Five Cent Nickel]</p> <p><a href="">Breakfast on the Go: 4 Ways to Feed Kids Fast</a> &mdash; Smoothies are a great, speedy breakfast you can give your kids on the go! [Parenting Squad]</p> <a href="" class="sharethis-link" title="Best Money Tips: Save Money While in College" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Ashley Jacobs</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training best money tips college money saving Fri, 12 Jul 2013 10:00:47 +0000 Ashley Jacobs 980557 at Why You Don't Need a College Degree to Succeed <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-you-dont-need-a-college-degree-to-succeed" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="man with ideas" title="man with ideas" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most people think that a college education is crucial for success in today's working world. However, many people also lament the outrageous cost of tuition these days. In fact, over the past several decades, tuition rates have increased at about <a target="_blank" href="">twice the general inflation rate</a>. (See also: <a target="_blank" href="">12 Business Founders Who Succeeded Without a College Degree</a>)</p> <p>Could there be a way to get started &mdash; and succeed &mdash; in the real world without a college degree? Can you live large without budgeting for college?</p> <p>Absolutely.</p> <p>The fact is, there are tons of jobs available that don't require a degree. A high school diploma is all you really need to get started in the working world.</p> <h2>No Degree Required</h2> <p>As part of my research for this post, I did a broad search on <a target="_blank" href="">CareerBuilder</a> for jobs that only required a high school diploma. Guess how many jobs I found?</p> <p>Over 100,000. That's a significant amount.</p> <p>Now, let me guess what you're probably thinking. &quot;Most of these are just sales jobs or entry-level jobs. I don't want to do those jobs forever! I can't get ahead in those types of roles!&quot;</p> <p>I'll address <a target="_blank" href="">the issue with entry-level jobs</a> later. But first, let's talk about sales jobs.</p> <p>Learning how to sell is a valuable skill. We're <a target="_blank" href="">always selling in some way</a>, shape, or form. In fact, nothing happens in business until a sale is made.</p> <p>We sell ourselves when we're trying to convince a potential employer to hire us. We sell our ideas when we want our colleagues to take a particular course of action. And we sell our products and services so that we have enough revenue to pay our employees' salaries.</p> <p>So it literally pays to learn how to sell. And it doesn't need to be a sleazy profession. Selling can be done ethically.</p> <p>Now, on to the second issue&nbsp;&mdash; moving up from an entry level job.</p> <h2>Career Development Via Tuition Reimbursement</h2> <p>If you think you'll be confined to an entry-level position for the rest of your career, think again. You can gain new skills and further your education <em>after</em> you first get your foot in the door. Better yet, you can do this essentially without any money coming out of your pocket.</p> <p>How?</p> <p>As a <a target="_blank" href="">benefit provided to full-time employees</a>, many companies offer tuition reimbursement. This benefit covers educational programs that provide vocational skill development. Why would they do this?</p> <p>To gain a more effective workforce. The more skills you have, the more valuable you are to the company. And as an added benefit, they also get a tax deduction for this.</p> <p>Currently you can claim reimbursement for $5,250 worth of courses per year, every year. This, like a 401k matching contribution, is like free money that's too good to pass up.</p> <p>Drilling down on the previous CareerBuilder search, I entered the keyword, &quot;tuition reimbursement.&quot; More than 12,000 job openings showed up.</p> <p>So what courses should you take?</p> <p>There are many options, and you can certainly take courses that apply to your current position or likely career path. But I'm going to recommend a somewhat non-traditional class &mdash; <a target="_blank" href="">Dale Carnegie Course: Effective Communications &amp; Human Relations/Skills For Success</a>.</p> <p>Many successful people, including billionaire Warren Buffett, have taken and recommend this course. In fact, Mr. Buffett doesn't hang his diplomas from University of Nebraska or Columbia Business School on his office wall. He does, however, keep his Dale Carnegie diploma proudly displayed. &quot;<a target="_blank" href="">It changed my life</a>,&quot; he said.</p> <p>If this course made such a huge difference in the life of one of the world's wealthiest men, what could it do for you and I?</p> <p>You can usually get this course reimbursed if you take it as part of a certificate program. I'm currently completing the program in <a target="_blank" href="">Organizational Leadership</a> [PDF].</p> <h2>Skills That You DO Need</h2> <p>I'm not saying that a formal degree isn't required in all cases. Obviously, if you want to enter a specialized profession, such as medicine or law, you'll need the formal training and education.</p> <p>Many other career paths, however, are not as stringent in their education requirements.</p> <p>If you have the drive, the focus, the commitment, and the self-motivation, you can succeed in the working world without a college degree.</p> <p><em>Have you found success in the working world without a college degree? What worked for you?</em></p> <a href="" class="sharethis-link" title="Why You Don&#039;t Need a College Degree to Succeed" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Darren Wu</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Career Building Education & Training business education college first jobs Wed, 10 Apr 2013 09:48:32 +0000 Darren Wu 971675 at Best Money Tips: Go to College for Free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-go-to-college-for-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="" alt="Go to College for Free" title="Go to College for Free" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="">Best Money Tips</a> Roundup! Today we found some stellar articles on going to college for free, tips to save on Thanksgiving airfare, and measuring career success.</p> <h2>Top 5 Articles</h2> <p><a href="">Go to College for Free</a> &mdash; Want to go to college for free? Consider attending a military service academy. [Consumerism Commentary]</p> <p><a href="">8 Expert Tips To Save On Thanksgiving Airfare</a> &mdash; It's not too early to start thinking about Thanksgiving travel plans! Save on airfare by flying on Thanksgiving. [SavvySugar]</p> <p><a href=";utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+rss%2Fmoney_pf+%28Personal+Finance%29">How to measure career success</a> &mdash; If you are in a job where you are motivated, chances are you are having a successful career. [CNNMoney]</p> <p><a href="">Moving Your Money to a New Bank: 5 Step Checklist</a> &mdash; When moving you rmoney to a new bank, remember to make the switch with your automatic obligations. [Money Smart Life]</p> <p><a href="">Tipping Guide for Good and BAd Service from an Ex-Waitress</a> &mdash; Next time you leave a tip, remember your server is probably sharing his or her tips with other staff members. [MoneyNing]</p> <h2>Other Essential Reading</h2> <p><a href="">Save Money with Travel Packing Tips</a> &mdash; Want to save money when traveling? Roll your clothes when you pack and base your outfits around your shoes. [Narrow Bridge Finance]</p> <p><a href="">10 Tips for Organizing Your Closets</a> &mdash; When organizing your closet, only keep what you need. [MainStreet]</p> <p><a href="">Ben Franklin's 9 Productivity Tips</a> &mdash; To be productive, you must moderate and be tranquil. [American Express OPEN Forum]</p> <p><a href=";utm_medium=feed&amp;utm_campaign=Feed%3A+dollarversity+%28DollarVersity+%3A+A+distinctive+voice+standing+out+from+the+crowd%29">Prepaying Expenses May Not Be Your Best Option</a> &mdash; Sometimes prepaying your expenses may not be the best option because the company you prepay to may end up going out of business. [Dollarversity]</p> <p><a href="">5 Entertaining and Educational Documentaries for Children</a> &mdash; If you want to show your child an entertaining and educational documentary, consider showing him or her <em>March of the Penguins</em>. [Parenting Squad]</p> <a href="" class="sharethis-link" title="Best Money Tips: Go to College for Free" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="">Ashley Jacobs</a> and published on <a href="">Wise Bread</a>. Read more <a href=""> articles from Wise Bread</a>.</div></div> Education & Training best money tips college free Tue, 16 Oct 2012 10:00:42 +0000 Ashley Jacobs 955132 at