student http://www.wisebread.com/taxonomy/term/167/all en-US 3 Reasons to Get Your Master’s Degree Abroad http://www.wisebread.com/3-reasons-to-get-your-master-s-degree-abroad <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-reasons-to-get-your-master-s-degree-abroad" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_globe_000063648887.jpg" alt="Woman learning reasons to get her master&#039;s degree abroad" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Traditionally, when we think about studying abroad, it is associated with an undergrad degree. But there is a trend emerging for students to get their master's degrees, or even a second bachelor's degree abroad. And not just spend a semester, but many years in a foreign country.</p> <p>According to the Institute of International Education, more than <a href="http://www.iie.org/Research-and-Publications/Publications-and-Reports/IIE-Bookstore/New-Frontiers">46,500 students from the U.S.</a> pursued full degrees abroad in 2011-2012. Experts believe that, on average, this number grows by 5% per year with more and more U.S. students looking for new opportunities and a lower price tag for their education. If you are looking at furthering your education, check out these three amazing reasons to get your master's degree abroad.</p> <h2>Less Debt and Better Living Options</h2> <p>Unless you've been living under a rock, you are keenly aware of the steep price tag to get your education in the U.S. According to Finaid.org, the <a href="http://www.nasfaa.org/">average cost for a master's degree</a> in 2015 in the U.S. is between $30,000 and $120,000, which varies depending on the type of degree and college you wish to attend. If you already have student loans from your undergrad degree, adding another giant loan on top of that is probably not a great decision.</p> <p>Also, most international universities have a reputation of graduating students in 2-3 years, compared to the U.S., where an undergrad degree might take 4-5 years, and a master's degree might take 3-4 years. What does this mean for you? Cutting just a year from your educational expenses means that you've got more money in your wallet, and you can get to that career and paycheck you've been studying for even quicker.</p> <p>If you like the sound of a free degree, look no further than Germany. Germany is the current leader in free education, coupled with a low cost of living, and one of the most popular places around the world for millennial job growth. Germany even has a growing entrepreneurial scene and is investing heavily in those types of projects that originate in Germany. Other than a few small university fees, students can enjoy a free education with classes taught in English.</p> <p>Germany also has a reputation for high learning standards and a great reputation for students who graduate from their programs. Two of the top destinations to study are Berlin and Munich, where the cities offer great living options, loads of activities, and a great culture to explore.</p> <p>A few other countries leading the way in free (or low-cost) degree programs taught in English are:</p> <ul> <li>France (high living costs)</li> <li>Denmark (high living costs)</li> <li>Finland (high living costs)</li> <li>Norway (high living costs)</li> <li>Greece (affordable living costs)</li> <li>Czech Republic (affordable living costs)</li> </ul> <p>If you are looking to find a country with a degree that will fit your budget, check out <a href="http://www.studyabroad.com/programs/graduate/default.aspx">Studyabroad.com</a> and simply plug in the country and subject and then you are off to the races.</p> <h2>Exploration</h2> <p>One of the best reasons to get an international degree is to be able to explore the world that is literally outside your door. Studying in any of the European Union countries like France or Germany means that you are just a short train or plane ride away from so many other destinations for weekend or summer trips. Imagine attending a true Oktoberfest in Munich, or sipping wine from a vineyard in France, or seeing the running of the bulls up close and personal in Spain. Seeing the world will give you a much more well-rounded vision of different cultures and ways of life that can only enrich your future career, no matter what it might be.</p> <h2>International Experience</h2> <p>With all this exploration, you will be racking up some serious international experiences. There are many degrees like an MBA, or International Relations, or Conflict Resolution where you can benefit from the experience of studying abroad in a foreign country. You are able to learn their rules and regulations, ways of doing business, and might actually have an easier entry into your career if you plan to stay abroad.</p> <p>Most students aren't allowed to stay in the country once they graduate without a work visa. However, what better way to make contacts and forge those relationships than when you are studying there? For those of you who want to come back to the U.S. for your career, having multiple years of foreign experience under your belt can be a real resume booster and will make some great talking points in your interview.</p> <p>Whatever your reason is for going abroad, be it a purely financial decision or your desire to travel the world, the truth is that our world is so interconnected now that having an international master's degree can only add value to your future career aspirations.</p> <p><em>Have you studied abroad? Share your experience below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/shannah-game">Shannah Game</a> of <a href="http://www.wisebread.com/3-reasons-to-get-your-master-s-degree-abroad">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/budgeting-for-study-abroad-what-youll-need-and-how-to-access-your-money">Budgeting for Study Abroad: What You&#039;ll Need, and How to Access Your Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-things-i-learned-from-renting-out-my-home-on-airbnb">13 Things I Learned From Renting Out My Home on Airbnb</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-if-you-dont-have-your-id-at-the-airport">What to Do If You Don&#039;t Have Your ID at the Airport</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-great-careers-you-can-have-with-a-liberal-arts-degree">10 Great Careers You Can Have With a Liberal Arts Degree</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Travel college degree student student loan study abroad traveling Thu, 12 Nov 2015 15:15:16 +0000 Shannah Game 1607584 at http://www.wisebread.com 20+ Freebies for College Students http://www.wisebread.com/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="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pizza-imsis591-052-small.jpg" 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="http://www.wisebread.com/8-financial-to-dos-for-college-freshmen?ref=seealso">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="https://account.washingtonpost.com/actmgmt/registration/get-nonpaid-access">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="http://www.wisebread.com/you-never-need-to-pay-to-watch-movies-heres-why?ref=seealso">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="http://www.mfa.org/membership/universities">Boston Museum of Fine Art</a>&nbsp;and the&nbsp;<a href="http://www.philamuseum.org/education/273-233.html">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="http://hawaiiathletics.com/sports/2010/12/7/GEN_1207100846.aspx?tab=studenttickets">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="http://www.amazon.com/gp/student/signup/info/?ie=UTF8&amp;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="http://www.autodesk.com/education/free-software/students-university/all-products">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="https://www.dreamspark.com/Student/Software-Catalog.aspx">premium software</a>, such as <a href="https://www.dreamspark.com/Student/Default.aspx">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="https://www.imaginecup.com">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="https://www.healthcare.gov/can-i-keep-my-child-on-my-insurance-until-age-26/">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="http://blog.coinbase.com/post/85758038492/10-of-free-bitcoin-for-college-students">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="https://www.linkedin.com/today/post/article/20140516185817-22868355-5-takeaways-from-irs-notice-2014-21-for-bitcoin-users">tax rules when using a cryptocurrency</a>.</p> <h3>15. International Travel Insurance</h3> <p>If you already own an <a href="http://www.myisic.com">International Student Identity Card</a> issued in the U.S., then you already have <a href="http://www.myisic.com/Travel/Insurance.html">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="http://www.irs.gov/Businesses/International-Businesses/United-States-Income-Tax-Treaties---A-to-Z">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="http://www.news.iastate.edu/news/2009/sep/biofeedback">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="http://www.sumpto.com">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> <h2 style="text-align: center;">Like this article? Pin it!&nbsp;</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F20-freebies-for-college-students&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F20%2B%20Freebies%20for%20College%20Students.jpg&amp;description=20%2B%20Freebies%20for%20College%20Students" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/20%2B%20Freebies%20for%20College%20Students.jpg" alt="20+ Freebies for College Students" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/20-freebies-for-college-students">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-cheapest-college-textbooks">How to find the cheapest college textbooks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-trumps-presidency-might-change-student-loans">How Trump&#039;s Presidency Might Change Student Loans</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-9-best-state-529-college-savings-plans">The 9 Best State 529 College Savings Plans</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-stop-student-loans-from-ruining-your-life">How to Stop Student Loans From Ruining Your Life</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-saving-hacks-every-college-student-should-try">8 Money-Saving Hacks Every College Student Should Try</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Education & Training budget college freebies school student Wed, 11 Jun 2014 13:00:52 +0000 Damian Davila 1142125 at http://www.wisebread.com Best Money Tips: The College Edition http://www.wisebread.com/best-money-tips-the-college-edition <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-college-edition" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/1041780973_e98d748001_z-1.jpg" alt="The College Edition" title="The College Edition" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today, we are highlighting some awesome articles about finances in college!</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Where-Get-Cheap-Textbooks-18839589">4 Places To Get Your Textbooks For Cheap</a> &mdash; To get your textbooks for cheap, buy them used. [SavvySugar]</p> <p><a href="http://personaldividends.com/5-reasons-teenagers-and-college-students-should-work/">5 Reasons Teenagers and College Students Should Work</a> &mdash; It is a good idea for teens and college students to work so they have work experience before they start a career. [Personal Dividends]</p> <p><a href="http://www.thepennyhoarder.com/2012/07/5-ways-earn-save-money-college-costs?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+ThePennyHoarder+%28The+Penny+Hoarder%29">5 Ways to Earn &amp; Save Money on College Costs</a> &mdash; Save on college costs by paying through a 529 plan. [The Penny Hoarder]</p> <p><a href="http://www.freemoneyfinance.com/2012/04/college-degree-worth-an-extra-550k.html">College Degree Worth an Extra $550k</a> &mdash; How you manage your career during the 40+ years you spend working is more relevant to your pay than your college degree. [Free Money Finance]</p> <p><a href="http://daytimer.wordpress.com/2012/07/18/tips-for-prioritizing-a-busy-week-for-college-students/">Tips for Prioritizing a Busy Week for College Students</a> &mdash; College students can prioritize their week by pinpointing their essential priorities. [Day-Timer Blog]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.moneyunder30.com/qa-should-i-consolidate-my-student-loans?utm_campaign=money_management&amp;utm_medium=Argyle%2BSocial&amp;utm_source=twitter&amp;utm_term=2012-07-30-17-30-00">Should I consolidate my student loans?</a> &mdash; If you lump together your student loans, you may lose benefits associated with each loan. [Money Under 30)</p> <p><a href="http://beingfrugal.net/7-helpful-tips-for-college-freshman/">7 Helpful Tips for College Freshman</a> &mdash; College freshmen should remember to pay attention to general education classes and spend the extra money for a private room. [Being Frugal]</p> <p><a href="http://www.paidtwice.com/2012/06/13/finding-grants-and-scholarships-for-your-soon-to-be-college-kid/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+IvePaidForThisTwiceAlready+%28I%27ve+Paid+For+This+Twice+Already...%29">Finding Grants and Scholarships for Your Soon-to-be-College Kid</a> &mdash; Check with your local community heritage organizations to find out about scholarships. [I've Paid For This Twice Already]</p> <p><a href="http://savingtools.com/tips/how-graduate-college-debt-free">How to Graduate College Debt-Free</a> &mdash; Want to graduate college debt free? Consider going to community college and working during college. [savingtools.com]</p> <p><a href="http://parentingsquad.com/taking-the-fear-out-of-college-savings">Taking The Fear Out Of College Savings</a> &mdash; Take the fear out of college savings by thinking about how much your family's income will grow over the next 18 years. [Parenting Squad]</p> <h2>News &amp; Events</h2> <p><a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news/2012/08/the-plutus-awards-voting">The Plutus Awards Voting</a>&nbsp;&mdash;&nbsp;Be sure to vote in the 3rd annual Plutus Awards! Voting closes on August 14th.</p> <p>Be sure to check out our&nbsp;<a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news">News &amp; Events Calendar</a>&nbsp;to see all the awesome upcoming events in the personal finance world!&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-the-college-edition">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-free-college-tuition-really-pay-for">What Does &quot;Free&quot; College Tuition Really Pay For?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-places-to-stash-your-kids-college-savings">5 Smart Places to Stash Your Kid&#039;s College Savings</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-tax-tricks-to-try-if-youre-stuck-with-student-loans">8 Tax Tricks to Try if You&#039;re Stuck With Student Loans</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-unique-ways-millennials-are-dealing-with-student-loan-debt">7 Unique Ways Millennials Are Dealing With Student Loan Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training best money tips college student Fri, 10 Aug 2012 10:00:42 +0000 Ashley Jacobs 947051 at http://www.wisebread.com Best Money Tips: Pay Off Student Loans Now http://www.wisebread.com/best-money-tips-pay-off-student-loans-now <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-pay-off-student-loans-now" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/6561935761_8a403107e4_z-1.jpg" alt="Pay Off Student Loans Now" title="Pay Off Student Loans Now" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on paying off student loans, personalizing your office space, and questions to ask before you quit your job.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.debtfreeadventure.com/how-to-pay-off-student-loans-now/">How to Pay Off Student Loans Now</a> &mdash; Get rid of your student loans now by taking on a second job and getting housing on the cheap. [Debt Free Adventure]</p> <p><a href="http://www.savvysugar.com/How-Personalize-Your-Office-23340112">Quick, Creative Ways To Personalize Your Office Space</a> &mdash; To personalize your office space, consider using colorful supplies and knicknacks. [SavvySugar]</p> <p><a href="http://www.consumerismcommentary.com/8-questions-before-you-quit/">8 Questions Before You Quit Your Job</a> &mdash; Before you quit your job, ask yourself whether or not you can continue to learn from your managers. [Consumerism Commentary]</p> <p><a href="http://www.freemoneyfinance.com/2012/05/30-steps-to-great-finances-steps-9-10-and-11.html">30 Steps to Great Finances: Steps 9, 10, and 11</a> &mdash; Have great finances by using your credit cards strategically. [Free Money Finance]</p> <p><a href="http://www.threethriftyguys.com/2012/05/grow-pounds-of-food-in-a-tiny-garden/">How to Grow Pounds of Food in a Tiny Garden</a> &mdash; Want to grow pounds of food in a small garden? Start by selecting the right containers and preparing the buckets. [Three Thrifty Guys]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.dumblittleman.com/2012/05/save-money-and-stop-living-paycheck-to.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+DumbLittleMan+%28Dumb+Little+Man+-+tips+for+life%29">Save Money and Stop Living Paycheck to Paycheck</a> &mdash; Avoid buying things you can't afford that you don't actually need by listing the advantages and disadvantages of buying it. [Dumb Little Man]</p> <p><a href="http://steadfastfinances.com/blog/2012/05/31/5-tips-to-help-you-land-a-job-out-of-college/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+SteadfastFinances+%28Steadfast+Finances%29">5 Tips to Help You Land a Job Out of College</a> &mdash; Want to land a job right out of college? Be willing to go anywhere and get the right degree. [Steadfast Finances]</p> <p><a href="http://www.fivecentnickel.com/2012/05/31/when-to-invest-in-individual-stocks/">When to Invest in Individual Stocks</a> &mdash; Before investing in individual stocks, consider your ability to understand company valuation. [Five Cent Nickel]</p> <p><a href="http://personaldividends.com/tips-for-holding-a-great-barbecue/">5 Tips for Holding a Great Barbecue</a> &mdash; Hold a great barbecue by being a smart griller and providing entertainment. [Personal Dividends]</p> <p><a href="http://parentingsquad.com/top-10-childbirth-interventions-that-you-dont-need">Top 10 Birth Inventions You Don't Need</a> &mdash; You don't really need electronic fetal monitoring or early epidurals. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-pay-off-student-loans-now">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-every-parent-should-know-about-the-new-college-financial-aid-rules">What Every Parent Should Know About the New College Financial Aid Rules</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-make-the-most-of-your-student-loan-grace-period">4 Ways to Make the Most of Your Student Loan Grace Period</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-tax-tricks-to-try-if-youre-stuck-with-student-loans">8 Tax Tricks to Try if You&#039;re Stuck With Student Loans</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-unique-ways-millennials-are-dealing-with-student-loan-debt">7 Unique Ways Millennials Are Dealing With Student Loan Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training best money tips college loans student student loans Fri, 01 Jun 2012 10:00:20 +0000 Ashley Jacobs 932735 at http://www.wisebread.com Best Money Tips: Frugal Back-to-School Shopping http://www.wisebread.com/best-money-tips-frugal-back-to-school-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-frugal-back-to-school-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4991576126_7c9b36dcac_z-1.jpg" alt="Frugal Back-to-School Shopping" title="Frugal Back-to-School Shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on frugal back-to-school shopping, how to complain about your credit card, and frugal living tips for college students.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.getrichslowly.org/blog/2011/08/01/frugal-back-to-school-shopping/">Frugal Back-to-School Shopping</a> &mdash; Get your child ready to go back to school the frugal way by not buying stuff you already have at home. [Get Rich Slowly]</p> <p><a href="http://www.fivecentnickel.com/2011/07/29/how-to-complain-about-your-credit-card/">How to Complain About Your Credit Card</a> &mdash; Having an issue with your credit card? File a complaint with the Consumer Financial Protection Bureau. [Five Cent Nickel]</p> <p><a href="http://moneyning.com/frugality/three-frugal-living-tips-for-college-students/">Three Frugal Living Tips for College Students</a> &mdash; Live frugally while in college by looking for alternate methods of transportation. [Money Ning]</p> <p><a href="http://www.quizzle.com/blog/2011/08/how-to-save-money-at-safeway/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+QuizzleWire+%28Quizzle+Wire+&raquo;+Personal+Finance+Blog%29">How to Save Money at Safeway</a> &mdash; Save money at Safeway by taking advantage of their rewards program. [Quizzle Wire]</p> <p><a href="http://timemanagementninja.com/2011/08/5-ways-a-journal-can-make-you-more-productive/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+TimeManagementNinja+%28Time+Management+Ninja%29">5 Ways a Journal Can Make You More Productive</a> &mdash; A journal can make you more productive by enabling you to hear your inner voice. [Time Management Ninja]</p> <h2>Other Essential Reading</h2> <p><a href="http://parentingsquad.com/30-ways-to-fine-tune-your-childs-fine-motor-skills">30 Ways To Fine Tune Your Child's Motor Skills</a> &mdash; To fine tune your child's motor skills, have them practice tying their shoes. [Parenting Squad]</p> <p><a href="http://www.creditsesame.com/blog/biggest-scams-07292011/">A Dislike Button on Facebook? 7 Scams You Should Avoid</a> &mdash; Stay away from free trial offers, lottery, and sweepstakes schemes. [Credit Sesame Blog]</p> <p><a href="http://www.savvysugar.com/Things-Do-August-9720551">5 Things You Should Do This Month</a> &mdash; This month, make it a point to invest in one wardrobe piece. [SavvySugar]</p> <p><a href="http://www.howtosavemoney.com/how-to-save-money-on-your-electric-bill/">How to save money on your Electric Bill?</a> &mdash; Save money on your electric bill by updating your filters and seals. [HowtoSaveMoney.com]</p> <p><a href="http://getcurrency.com/design-home/the-essential-guide-to-being-a-great-guest">The Essential Guide to Being a Great Guest</a> &mdash; Be a great guest by following up with a thank you note. [Currency]<a href="http://www.pickthebrain.com/blog/how-to-not-be-afraid-of-anything-ever-again/"><br /> </a></p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-frugal-back-to-school-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-cheapest-college-textbooks">How to find the cheapest college textbooks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-descalers">The 5 Best Descalers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-face-peels">The 5 Best Face Peels</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-robotic-mops">The 5 Best Robotic Mops</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-back-support-devices">The 5 Best Back Support Devices</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping back to school best money tips school shopping student Tue, 02 Aug 2011 09:48:18 +0000 Ashley Jacobs 647559 at http://www.wisebread.com How to File Your First Tax Return http://www.wisebread.com/how-to-file-your-first-tax-return <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-file-your-first-tax-return" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/student-doing-taxes.png" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p><i>Brought to you by <a href="http://turbotax.intuit.com/personal-taxes/online/free-edition.jsp" target="_blank">TurboTax Federal Free Edition &mdash; Free to prepare, Free to print, Free to efile</a>.</i></p> <p>Filing your first tax return doesn't have to be the daunting task you've seen portrayed in the media, especially if your tax situation isn't abnormal. Although we keep hearing about how complex the tax code itself is, most Americans simply need to reconcile a few sources of income, some deductions and credits, and from there, the software or a competent tax preparer can handle the rest. Even more complex situations are becoming easier to handle with the evolution of online tax software and tax-advice sites.</p> <p>Many Americans will end up qualifying for the first-tier IRS 1040-EZ&nbsp;form. It is the quickest and easiest to complete, provided you don't have dependents (usually children), don't plan on taking a deduction for mortgage interest from a home, had income of under $100,000, and satisfy a few other requirements. (See also: <a href="http://blog.turbotax.intuit.com/taxes-101/who-can-qualify-for-free-tax-filing-with-the-form-1040ez/01312011-5037" target="_blank">Who Can Qualify for Free Tax Filing with 1040-EZ</a>)</p> <p>If this doesn't apply to you, then the next tier of complexity (still relatively simple, though) would be the 1040A, which still beats completing Form 1040. The 1040A has allowances for common tax credits and deductions.</p> <p>Don't fret if you need to complete the Form 1040, though, as that is also quite common, but just a bit more involved than the 1040-EZ and 1040A. Regardless of which camp you fall into, chances are that if this is your first tax return, it can be handled with relative ease, provided you prepared properly, retained the proper information, and are using the right medium for filing.&nbsp;</p> <h3>Forms and Documents You'll Need for Filing</h3> <p>While you'll get most of your income statements after the end of the calendar tax year, there are various pieces of documentation you'll want to be sure to save throughout the year related to deductions, credits, and other events with tax implications. Some of the most common forms and types of documents you'll need to save leading into tax season are the following:</p> <ul type="disc"> <li><b>W-2</b>: This is the tax form your employer should provide, which will outline your income (accounting for 401K and equivalent contributions) and highlight the taxes already withheld during the year.</li> </ul> <ul type="disc"> <li><b>1099-INT</b>: Any interest you earned throughout the year from the likes of savings accounts, money market accounts, and CDs will be sent to you from your bank.</li> </ul> <ul type="disc"> <li><b>1099-DIV</b>: Your mutual fund company or brokerage will send this form for any dividends paid during the year for mutual funds, ETFs, stocks, or other instruments, since dividends are taxable if held outside a retirement account like an IRA.</li> </ul> <ul type="disc"> <li><b>1098</b>: If you're a homeowner paying a mortgage, this form will dictate the mortgage-interest deduction you can take from the prior year.</li> </ul> <ul type="disc"> <li><strong>1098-E</strong>: You will receive this form from lenders if you have a student loan and paid more than $600 in interest. Use the information from the 1098-E to determine <a href="http://turbotax.intuit.com/support/iq/Can-I-Claim-the-Student-Loan-Interest-Deduction-/GEN80353.html" target="_blank">whether you are eligible for student loan deductions</a>.</li> </ul> <ul type="disc"> <li><b>FSA/HSA Receipts</b>: If you participated in a Flex Savings Account or Health Savings Account, you'll want to be sure you saved receipts for qualifying health-related expenditures to ensure that you are fully reimbursed for your contributions during the year. In years past, people who had remaining funds in their Flex Savings Accounts would stock up on OTC medicines at the end of the year due to the &ldquo;use it or lose it&rdquo; provision, but OTC meds aren&rsquo;t eligible from 2011 onward. So if you&rsquo;re participating in an FSA, make sure to check on where you stand mid-year and plan expenditures accordingly.</li> </ul> <ul type="disc"> <li><b>Receipts from Charities</b>: If you made charitable contributions, save receipts related to those donations as well.&nbsp;</li> </ul> <ul type="disc"> <li><b>1099-B</b>: Gains and losses from sales of stocks, bonds, mutual funds, and ETFs are common taxable events as well. These transaction records will be sent to you by your brokerage or mutual fund company.</li> </ul> <p>There are myriad other tax forms and documents, but for the majority of Americans, these documents comprise the lion&rsquo;s share of the paperwork you&rsquo;ll need to have in-hand prior to tax time. For a more exhaustive list, check out this&nbsp;<a href="http://turbotax.intuit.com/tax-tools/tax-tips/Tax-Planning-and-Checklists/Tax-Preparation-Checklist/INF12048.html" target="_blank">tax prep checklist</a>.</p> <h3>When to File Your Taxes</h3> <p>If you're anticipating a tax refund, you might as well jump on the activity as early in the year as possible. Personally, I have to wait a bit into the year for a special K-1 tax form that comes later in February from a Master Limited Partnership investment. But the vast majority of Americans can usually start their taxes in January each year.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/darwins-money">Darwins Money</a> of <a href="http://www.wisebread.com/how-to-file-your-first-tax-return">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-places-to-get-free-tax-advice">6 Great Places to Get Free Tax Advice</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-things-to-do-with-your-tax-refund">8 Smart Things to Do With Your Tax Refund</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bushs-economic-stimulus-package-what-will-you-get-back">Bush&#039;s economic stimulus package; What will you get back?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-more-questionable-aspects-of-the-housing-bailout-bill">The Questionable Aspects of The Housing Bailout Bill - H.R. 3221</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/not-too-late-to-get-your-irs-stimulus-rebate-if-you-qualify">Not too late to get your IRS stimulus rebate--if you qualify</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes first time student tax Tue, 15 Feb 2011 16:36:09 +0000 Darwins Money 490195 at http://www.wisebread.com How to find the cheapest college textbooks http://www.wisebread.com/how-to-find-the-cheapest-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-find-the-cheapest-college-textbooks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/1375685165_0026af5223.jpg" alt="College books" title="College books" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>I&rsquo;m not in college any more, thank goodness, but I remember every penny-pinching moment. Some days I hardly had enough money for food, mainly because the materials and textbooks I had to buy ripped a hole in my pocket the size of the Grand Canyon. And so I&rsquo;m always on the lookout for ways to help out college students. Today, I found two. </p> <p>There are numerous methods available to search for textbooks, including the ever-popular &ldquo;shopping&rdquo; search option in Google. But if you want to go deeper, a few of my favorite sites in the past have included:</p> <p><a href="http://www.abebooks.com/">Abebooks.com</a><br /> <a href="http://www.addall.com/">Addall.com</a><br /> <a href="http://www.amazon.com/books-used-books-textbooks/b/ref=sa_menu_bo0?ie=UTF8&amp;node=283155&amp;pf_rd_p=328655101&amp;pf_rd_s=left-nav-1&amp;pf_rd_t=101&amp;pf_rd_i=507846&amp;pf_rd_m=ATVPDKIKX0DER&amp;pf_rd_r=1H1RD1NEM0GPHFA689BK">Amazon.com</a><br /> <a href="http://www.alibris.com/">Alibris.com</a><br /> <a href="http://www.craigslist.org/about/sites">Craigslist.org</a><br /> <a href="http://www.bizrate.com/">Bizrate.com</a><br /> <a href="http://www.half.ebay.com/">Half.com (which is part of eBay)</a><br /> <a href="http://textbooksnow.com/">Textbooksnow.com</a></p> <p>No doubt you&rsquo;ve used one or two of these already. But it&rsquo;s a pain to search each one and compare results. Usually, you find the book you want, ponder the price and then pay. Not good enough for me. I want to help students, who are suffering like the rest of us in this hellish economy, to get the absolute rock-bottom price on any book they&rsquo;re looking for. </p> <p>So I did a little more hunting around and found some much more powerful search engines, devoted to scouring multiple books sources at once. The two I like the most are <a href="http://www.campusbooks.com/">CAMPUSBOOKS.COM</a> and <a href="http://bigwords.com/">BIGWORDS.COM.</a> And they really are the ultimate search engines for books, especially textbooks. </p> <p>All you need to know are a few basics about the book you&rsquo;re searching for. The easiest way is to have the ISBN number readily at hand. If that&rsquo;s not available, you can search by keyword, author, title, the usual search engine options. And as you can see, the results from both sites are impressive. Here are two searches I did for an advertising book I love called &ldquo;Hey Whipple, Squeeze This.&rdquo;</p> <p><u>CampusBooks results<br /> </u></p> <p><a href="http://i656.photobucket.com/albums/uu286/paulmichaelWB/CB.jpg"><u><img src="http://i656.photobucket.com/albums/uu286/paulmichaelWB/CB.jpg" style="width: 203px; height: 400px;" alt="" /></u></a></p> <p><u>BigWords results, via their Uber-Marketplace</u></p> <p><a href="http://i656.photobucket.com/albums/uu286/paulmichaelWB/BW.jpg"><img src="http://i656.photobucket.com/albums/uu286/paulmichaelWB/BW.jpg" style="width: 205px; height: 547px;" alt="" /></a></p> <p>They&rsquo;re both great resources, offering different results, so try them both for size.</p> <p>No money left to buy books? Well, there are also several ways to check out books for free. You have the library as an option, but that of course comes with limited time restrictions. If you&rsquo;re looking for something more permanent, you should take a look at the following rockin&rsquo; free online resources:</p> <p><a href="http://www.gutenberg.org">Project Gutenberg</a><br /> <a href="http://books.Google.com">Google Books</a><br /> <a href="http://www.ManyBooks.net">Many Books</a></p> <p>Remember, the campus book store won&rsquo;t give you the bargains you want. Neither will the usual book stores like Barnes &amp; Noble and Borders. If you want your textbooks at the lowest possible price, online is the way to go. <br /> &nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/how-to-find-the-cheapest-college-textbooks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/oprah-asks-a-great-question-what-can-you-live-without">Oprah Asks A Great Question; What Can You Live Without?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-saving-hacks-every-college-student-should-try">8 Money-Saving Hacks Every College Student Should Try</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-even-more-freebies-in-exchange-for-a-review">How to Get Even More Freebies in Exchange for a Review</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-great-frugal-gifts-for-booklovers">11 Great Frugal Gifts for Booklovers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping bargains books budget college school student university Thu, 05 Mar 2009 16:50:30 +0000 Paul Michael 2895 at http://www.wisebread.com Pre-career advice http://www.wisebread.com/pre-career-advice <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/pre-career-advice" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/researchers.jpg" alt="Researchers and child-helpers studying a mongoose" title="Researchers and child-helpers studying a mongoose" class="imagecache imagecache-250w" width="250" height="171" /></a> </div> </div> </div> <p>If you&#39;ve got a living situation like most high school and many college students, where you&#39;ll continue to have a roof over your head and food to eat even if you don&#39;t have a job, I&#39;ve got some advice: quit your job.</p> <p>That&#39;s a bit overstated. It should be, quit your job <em>unless you love it.</em> If you love your job--if you&#39;re doing whatever it is that is your passion in life--then stick with it. But if you&#39;ve got some stupid job just to earn a little pocket money, quit your job.</p> <p>Because here&#39;s the thing: Whatever is your passion in life is what you ought to be doing, and there&#39;s almost certainly a way to do it (or do important pieces of it) right now. That experience is going to be worth far more than a little pocket money. It will pay dividends for the rest of your life.</p> <p>Some people--writers, artists, photographers--can just do whatever it is they want to do. If that&#39;s your path, though, take it seriously. Research both how to do your art and how to make a business of it. In fact, give that second part a special emphasis--start trying right now to make your art a business (if that&#39;s how you want to make your living in the future). Find out how other people make a living at it, find out how people get started in that field, and follow their example. By the time you get out of school, you&#39;ll have a good idea both whether or not you can make a living that way, and whether that&#39;s really how you want to make a living.</p> <p>Other fields in the arts--music, acting--often require colleagues. Here your school may provide the best chance to work in your field, but there are other possibilities--musicians can play in bars, actors can perform in community theater.</p> <p>In most fields, though, you can&#39;t just do the work on your own--you need a business or institution to provide some sort of support, whether it&#39;s equipment, colleagues with complimentary expertise, clients, government licenses, etc. </p> <p>Sometimes there&#39;s only one path to a particular kind of job--you can&#39;t really become a surgeon except by going to medical school--but those are exceptions. Most kinds of work offer opportunities for a clever student who approaches them the right way.</p> <p>Start by finding a firm that does the sort of work you&#39;re interested in, and then arranging to interview some people there. Tell them that you&#39;re working on an independent study at school. (Talk to a teacher at school and arrange to actually do an independent study, if you can--if you can reduce your work-load at school by a class or two, you&#39;ll have that much more time to do what you love.) </p> <p>Tell the people you interview that you want to find out what it&#39;s like to work in their field. That&#39;s the truth, but it&#39;s not the whole truth: there are two other things you&#39;re doing at that interview.</p> <p>First, you&#39;re looking for something that they need done that you can already do. Be sure to spot the easy, boring bits that anyone could do, but ideally, try to find something requiring some skill or talent that you already have, or that you almost have.</p> <p>Second, make some contacts. Get names, phone numbers, and email addresses of everyone you meet.</p> <p>Once you&#39;ve had your interview, seen what they do, and made some contacts, you&#39;re in a position to try to get yourself inside. Based on what you saw, you may have a sense that they might hire you in some sort of part-time or intern position. If not, though, the next best is to volunteer. </p> <p>Don&#39;t just call up and say you want to volunteer. They&#39;ll just direct you into their intern program, if they have one, or else tell you that they don&#39;t have any positions for volunteers. Call up and say that after the interview you&#39;ve become very excited about the work they do there, and that you noticed one phase of the work that you thought you could already do, and say that you&#39;d be willing to do that bit of the work for free if you could also spend some time watching how they do the other bits.</p> <p>If the place doesn&#39;t have a rigid structure for how they handle interns, this ploy will very likely work. Once you&#39;re in, start learning how to do all the other things they do there, and start volunteering to do each of the new things you&#39;ve learned how to do. With some luck--and some hard work--you may very well be able to make yourself indispensable, in which case you&#39;re in a position to ask them pay you. (As a minor tactic here, don&#39;t ask them to start paying you to do what you&#39;re already doing, even if they&#39;d regret losing you. Instead, figure out what the next step up would be, and suggest that they hire you to do that job. Then if they turn you down, you&#39;re not in the position of going on doing what they just refused to pay you to do.)</p> <p>It may seem stupid to work for free when you could be earning money. But there&#39;s nothing stupid about jumping in and doing now whatever it is you have a passion for. By the time you graduate, you could very well already be doing what your classmates have only been learning about.</p> <p>Once you&#39;re out of school you&#39;ll be supporting yourself, perhaps a family, and very possibly a student loan company as well. In that situation, it&#39;s almost impossible to come up with the time you&#39;ll need to turn your passion into your livelihood. The time to do that is when you&#39;re a student--when the livelihood part is taken care of. If all you need to trade is your pocket money, it&#39;s very a good deal indeed.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/pre-career-advice">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-deal-when-you-work-with-someone-you-hate">8 Ways to Deal When You Work With Someone You Hate</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-unexpected-jobs-with-insane-travel">10 Unexpected Jobs With Insane Travel</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-bounce-back-from-job-rejection">4 Ways to Bounce Back From Job Rejection</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-depressing-jobs-that-arent-worth-the-money">10 Depressing Jobs That Aren&#039;t Worth the Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-smart-ways-to-maximize-desk-space">11 Smart Ways to Maximize Desk Space</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income career student Sun, 16 Sep 2007 14:55:18 +0000 Philip Brewer 1163 at http://www.wisebread.com