college students http://www.wisebread.com/taxonomy/term/1972/all en-US The 5 Best Small Appliances for Students http://www.wisebread.com/the-5-best-small-appliances-for-students <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-small-appliances-for-students" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/laundry-2792037-small.jpg" alt="ironing laundry" title="ironing laundry" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Having a well-furnished dorm room can make a world of difference for college students. But among all the potential small appliances you could get for a dorm room, there are a few essentials that no college student should go without. Here to help narrow down the list is Wise Bread's picks for the best small appliances for students.</p> <h2>Best 5 Small Appliances for Students</h2> <h3>Maytag Premium Analog Steam Iron</h3> <p><a href="http://www.amazon.com/gp/product/B00AW51NJA/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00AW51NJA&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank"><img width="210" height="182" align="right" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/smappMaytag.jpg" /></a>The need for a steam iron may not be readily apparent for many college students, but you never know when you'll be called on to go to a fancy dinner. A steam iron will also come in handy when you begin applying for jobs or internships. Recommended by Consumer Reports, the <a href="http://www.amazon.com/gp/product/B00AW51NJA/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00AW51NJA&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank">Maytag Premium Analog M800 Steam Iron</a> is a solid iron that heats up in just 55 seconds. It also features vertical steaming for quick fixes and an automatic shut-off. <a href="http://www.amazon.com/gp/product/B00AW51NJA/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00AW51NJA&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank">Currently $115.53 on Amazon.</a></p> <h3>Frigidaire Compact Refrigerator</h3> <p><a target="_blank" href="http://www.dpbolvw.net/click-2822544-10368321?sid=981808&amp;url=http%3A%2F%2Fwww.homedepot.com%2Fwebapp%2Fwcs%2Fstores%2Fservlet%2FCJRedirect%3Flinktype%3Dproduct%26id%3D203541111&amp;cjsku=203541111"><img width="200" height="204" align="right" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/smappFrigidaire.jpg" /></a>A staple in any college dorm room, a compact fridge stores drinks, leftovers, and whatever else a college student may need to keep cold without taking up too much precious floor space. This <a href="http://linksynergy.walmart.com/link?id=g519OIyP0is&amp;offerid=223073.19423451&amp;type=2&amp;murl=http%3A%2F%2Fwww.walmart.com%2Fip%2FRCA-1.1-cu-ft-Microwave-Black%2F19423451%3Fsourceid%3D0100000012230215302434">Frigidaire</a> has a carrying capacity of 4.4 cubic feet which makes it bigger than most other compact refrigerators on the market, but still a good fit for a dorm room. <a target="_blank" href="http://www.dpbolvw.net/click-2822544-10368321?sid=981808&amp;url=http%3A%2F%2Fwww.homedepot.com%2Fwebapp%2Fwcs%2Fstores%2Fservlet%2FCJRedirect%3Flinktype%3Dproduct%26id%3D203541111&amp;cjsku=203541111">Currently on sale for $229.00 at Home Depot.</a></p> <h3>RCA 1.1 cu. ft. Digital Microwave Oven</h3> <p><a target="_blank" href="http://linksynergy.walmart.com/link?id=g519OIyP0is&amp;offerid=223073.19423451&amp;type=2&amp;murl=http%3A%2F%2Fwww.walmart.com%2Fip%2FRCA-1.1-cu-ft-Microwave-Black%2F19423451%3Fsourceid%3D0100000012230215302434"><img width="250" height="142" align="right" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/smappRCA.jpg" /></a>Whether it's for heating up the leftovers you have in that new compact refrigerator or a packaged meal because you don't have enough time to cook properly, a microwave is another staple appliance that should be found in any college student dorm. This <a href="http://linksynergy.walmart.com/link?id=g519OIyP0is&amp;offerid=223073.19423451&amp;type=2&amp;murl=http%3A%2F%2Fwww.walmart.com%2Fip%2FRCA-1.1-cu-ft-Microwave-Black%2F19423451%3Fsourceid%3D0100000012230215302434">RCA microwave</a> has a carrying capacity of 1.1 cubic foot and a turntable for even heating. <a href="http://linksynergy.walmart.com/link?id=g519OIyP0is&amp;offerid=223073.19423451&amp;type=2&amp;murl=http%3A%2F%2Fwww.walmart.com%2Fip%2FRCA-1.1-cu-ft-Microwave-Black%2F19423451%3Fsourceid%3D0100000012230215302434">Currently $49.00 at Walmart.</a></p> <h3>Bissell Pet Hair Eraser 33A1</h3> <p><a href="http://www.amazon.com/gp/product/B001EYFQ28/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B001EYFQ28&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank"><img width="210" height="183" align="right" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/smappBissell.jpg" /></a>Don't let its name fool you, the <a href="http://www.amazon.com/gp/product/B001EYFQ28/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B001EYFQ28&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank">Bissell Pet Hair Eraser</a> &mdash; a hand-vacuum cleaner &mdash; is recommended by Consumer Reports for college students. According to CR, this hand-vacuum is excellent at cleaning bare floors and edges, and competent enough at handling carpet. The small pricetag makes this Bissell vacuum all the more attractive. <a href="http://www.amazon.com/gp/product/B001EYFQ28/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B001EYFQ28&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank">Currently $24.99 on Amazon.</a></p> <p>&nbsp;</p> <h3>Cuisinart Brew Central 12-Cup Programmable Coffeemaker</h3> <p><a href="http://www.amazon.com/gp/product/B00005IBX9/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00005IBX9&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank"><img width="210" height="210" align="right" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/smappCuisinart.jpg" /></a>Early classes are probably the biggest reason why college students develop a coffee addiction. But if you do need that caffeine pick-me-up to stay awake in class or finish that all-nighter paper, then why not make your own instead of waiting in line and paying $4 for a cup of joe? With a small profile that doesn't take up too much space, you can program the <a href="http://www.amazon.com/gp/product/B00005IBX9/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00005IBX9&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank">Cuisinart Brew Central</a> to make 12 cups, 24 hours in advance. <a href="http://www.amazon.com/gp/product/B00005IBX9/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00005IBX9&amp;linkCode=as2&amp;tag=bguidelink-20" target="_blank">Currently $89.95 on Amazon.</a></p> <p>&nbsp;</p> <p>There you have our choices for the best 5 small appliances for students. Be sure to check out the <a href="http://www.wisebread.com/buying-calendar">Wise Bread Shopping Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jeffrey-pu">Jeffrey Pu</a> of <a href="http://www.wisebread.com/the-5-best-small-appliances-for-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-6"> <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/the-5-best-freezers">The 5 Best Freezers</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-refrigerators">The 5 Best Refrigerators</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/discount-designer-clothing-17-places-to-get-name-brands-for-less">Discount Designer Clothing: 17 Places to Get Name Brands for Less</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-aaa-batteries">The 5 Best AAA Batteries</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-fabric-softeners">The 5 Best Fabric Softeners</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping appliances buying guide college students product reviews Thu, 12 Sep 2013 10:24:04 +0000 Jeffrey Pu 981808 at http://www.wisebread.com Useful Gifts for College-Bound Graduates http://www.wisebread.com/useful-gifts-for-college-bound-graduates <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/useful-gifts-for-college-bound-graduates" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/gift-2165092-small.jpg" alt="gift" title="gift" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>This year, millions of students across the country will finish their high school careers, and countless family members and friends will attend graduation ceremonies to watch the senior class receive their diplomas. Giving cards and/or gifts to new grads isn't mandatory, though the act of gift-giving is a traditional way of congratulating graduates. For some, a simple card will suffice, but others may want to give the graduate something useful for college. (See also: <a href="http://www.wisebread.com/5-ways-to-give-cash-as-a-gift" target="_blank">5 Ways to Give Cash as a Gift</a>)</p> <h2>Gift Cards</h2> <p>Unless the parents are paying for every college-related expense, most graduates would agree that gift cards or cash are the best gifts. The &quot;broke college student&quot; stereotype definitely exists, and living on ramen diets is not unheard of for students who don't want to take out tens of thousands of dollars in student loans to pay for college. Restaurant and grocery store gift cards will help ward off the dreaded &quot;freshman 15,&quot; Amazon or bookstore gift cards can help them <a href="http://www.wisebread.com/back-to-school-saving-on-college-textbooks" target="_blank">save money on textbooks</a> and school supplies, and gas cards will lower the cost of transportation if they plan on bringing their cars to college.</p> <h2>Cold, Hard Cash</h2> <p>Gift cards are great for some grads, but others would prefer to receive cash.</p> <p>High school graduate Gavin Rose, who is headed to Occidental College this fall, sums it up: &quot;Grads will always appreciate money. College is an extremely expensive endeavor, and so cash will always be valuable. Gift cards are OK, but money is often preferred because it can be spent anywhere.&quot;</p> <h2>Food and Drink</h2> <p>If gift cards and cash are too generic, then consider gifting the new grad a basket chock full of their favorite goodies. This is especially useful if the graduate is going away for college and wants to bring a little piece of home with them. Candy bars, chips, and energy drinks may not be the healthiest gifts, but a little junk food now and then (particularly during stressful midterms and finals weeks) is a part of college life.</p> <h2>Dorm Essentials</h2> <p>College students need more than food and books to survive, of course. If they're going away for college, they'll likely need some <a href="http://www.wisebread.com/dorm-room-essentials" target="_blank">dorm room essentials</a>. From electronics (headphones, digital clocks, iPods, etc.) to laundry items to bed decor, college students who plan on living in a dorm would appreciate anything that helps them reduce their dorm expenses.</p> <h2>Spirit Wear</h2> <p>If the graduate is gung-ho about their school and/or mascot, then spirit wear items could also be considered useful gifts. Sweatshirts are comfy for cold winter months and T-shirts are great for warmer weather. Because college students are on tight budgets, nice clothes are hard to come by. And spirit wear is a great way to not only to congratulate them on their graduation from high school, but also celebrate their acceptance to a university.</p> <h2>Toiletries</h2> <p>Now, this may seem on par with gifting someone socks for Christmas, but in reality, toiletries are absolutely essential to any college student. Toothpaste and shaving cream don't last forever, cologne/perfume are out of range for the typical student's budget, a good pair of shower shoes prevents those skin infection nightmares associated with dorm showers, and quality shampoo and conditioner will keep their hair clean and shiny (up until they tear it out during finals week). A toiletry set may not be as cool as a new laptop, but in terms of usefulness, these items are at the top of college students' shopping lists.</p> <p>If you feel obligated to <a href="http://www.wisebread.com/gifts-for-grads" target="_blank">give something a little more exciting</a> than soap, then perhaps include a little cash or a gift card to the new graduate's favorite store.</p> <p><em>Do you have a useful gift idea for new graduates? Or should we skip gift-giving altogether? Let us know what you think in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kelly-kehoe">Kelly Kehoe</a> of <a href="http://www.wisebread.com/useful-gifts-for-college-bound-graduates">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/healthy-frugal-eating">Healthy, frugal eating</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-new-face-of-poverty-is-fat">The new face of poverty is fat</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/why-is-gasoline-so-cheap-a-cost-comparison-of-40-common-household-liquids">Why is Gasoline So Cheap? A Cost Comparison of 40 Common Household Liquids</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/frugal-gluten-free-living-homemade-gluten-free-noodles">Frugal Gluten-Free Living: Homemade Gluten-Free Noodles</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/12-foods-nutritionists-say-you-should-splurge-on">12 Foods Nutritionists Say You Should Splurge On</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty Shopping college students graduates useful gifts Thu, 13 Jun 2013 10:24:35 +0000 Kelly Kehoe 978035 at http://www.wisebread.com The 5 Best Credit Cards for College Students http://www.wisebread.com/the-5-best-credit-cards-for-college-students <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-credit-cards-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/student_credit_card_000019075031.jpg" alt="Student holding a credit card" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When I was in college, my mom seemed to call me nearly every week to confirm that I was paying my entire credit card balance in full and on time. It was as if she knew that credit cards and college students do not have a good history together. At the time, banks were employing every tactic possible to get large amounts credit into the hands of young adults. So much so that many felt these banks were acting more like predatory lenders than respectable financial institutions. In response, Congress passed the CARD Act of 2009. This groundbreaking piece of legislation set limits on banks' on-campus marketing efforts and required young adults who applied for credit cards to show some means of paying off loans.</p> <p>Nevertheless, students continue to obtain and abuse credit cards. They tend to incur debt and struggle to make payments on time. While these are bad practices at any stage of life, starting these habits at a young age sets a terrible precedent for how students will continue to manage their finances after graduation. Therefore it is critical that parents work closely with students to carefully guide them into financial independence. (See also: <a href="http://www.wisebread.com/college/college-resources">40+ College Resources for Parents and Students</a>)</p> <h2>Choosing the Best Student Credit Card</h2> <p>So what should parents and students look for in a credit card? Look for simple terms, no annual fees, and if possible, maybe some <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">cash back rewards</a>. You don't want to get in the habit of paying interest on your credit card balance, but if you have to, it shouldn't be well outside the market rates. Also, opening up a credit card account at the same bank that the student holds their checking account is a great idea. This way, timely payments are just a transfer between accounts rather than a transaction between separate institutions.</p> <h3>Discover it&reg; for Students</h3> <p><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=64&amp;pp=1&amp;uv=xcard&amp;fot=1032" target="_blank" rel="nofollow"><img width="154" height="98" src="http://www.imgsynergy.com/191x120/discover-it-052516.png" style="float:right; margin:0 5px 5px 10px;" alt="credit card" /></a></p> <p>Discover is known for simple terms and great customer service. The <a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=64&amp;pp=1&amp;uv=xname&amp;fot=1032" target="_blank" rel="nofollow">Discover it&reg; for Students</a> card offers 5% cash back in categories that change each quarter up $1500 per quarter after sign-up, plus unlimited 1% cash back on all other purchases. Plus, students can get $20 cash back each school year their GPA is 3.0 or higher for up to the next 5 years. As an exclusive offer for new cardmembers, all the cash back earned is automatically matched by Discover at the end of the first year. In addition, they can also enjoy a 0% introductory APR on purchases for 6 months. After that, the APR ranges from 13.24%-22.24% variable. Free text alerts remind students when payments are due.</p> <p>Paying late won't raise the APR, and recent FICO scores are included in monthly statements and online so students can track their credit. The Freeze It<sup>SM</sup> on/off switch allows students to freeze and unfreeze the activity on their account in seconds via Discover's website and mobile app. There are also no foreign transaction fees, so this is a great card to use on any travels abroad. <strong>There is no annual fee.</strong></p> <p><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=64&amp;pp=1&amp;uv=xend&amp;fot=1032" target="_blank" rel="nofollow"><strong>Click here to learn more and apply for the Discover it&reg; for Students today!</strong></a></p> <h3>Upromise World MasterCard</h3> <p>The Upromise World MasterCard&reg; is a credit card made just for college students and one that can help them save a ton of money, thanks to its many cash back rewards. When making eligible online purchases through Upromise, cardholders can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard&reg;, for a total of 10% cash back. Not only that, they can also get &nbsp;2% cash back on eligible in-store department store purchases and movie theater purchases.</p> <p>Cardholders will also receive 1% cash back on all other purchases made on the card, and there is no limit to the cash back they can earn. As a special offer for new cardmembers, Upromise is offering a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening (then it becomes 13.99%-22.99%), along with $25 cash after the first purchase on the card. <strong>There is no annual fee</strong>.</p> <h3>Barclaycard&reg; Ring MasterCard&reg;</h3> <p><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=23&amp;pp=3&amp;uv=xcard&amp;fot=1032" target="_blank" rel="nofollow" alt="Barclaycard&reg; Ring MasterCard&reg;" title="Barclaycard&reg; Ring MasterCard&reg;"><img width="154" height="98" src="http://www.imgsynergy.com/191x120/barclaycard-ring-mastercard-081215.png" style="float:right; margin:0 5px 5px 10px;" alt="credit card" /></a>While not a card targeted specifically for students, the <a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=23&amp;pp=3&amp;uv=xname&amp;fot=1032" target="_blank" rel="nofollow">Barclaycard&reg; Ring MasterCard&reg;</a> is a great card for them nevertheless. Not only does it offer a competitive and simple 8.25%* variable APR, there are no balance transfer fees as well. This is also the first card to introduce crowdsourcing into its terms. The Ring MasterCard allows user feedback to affect the terms and conditions of the credit card. Cardmembers can discuss issues and vote on new ideas in an official community portal. It also has a Giveback&trade; feature which allows cardmembers to receive a percentage of the company's profits. <strong>There is no annual fee.</strong></p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=23&amp;pp=3&amp;uv=xend&amp;fot=1032" target="_blank" rel="nofollow">Click here to learn more and apply for the Barclaycard&reg; Ring MasterCard&reg; today!</a></strong></p> <h3>Discover it&reg; chrome for Students</h3> <p><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=66&amp;pp=4&amp;uv=xcard&amp;fot=1032" target="_blank" rel="nofollow"><img width="154" height="98" src="http://www.imgsynergy.com/191x120/discover-it-chrome-052615.png" style="float:right; margin:0 5px 5px 10px;" alt="credit card" /></a></p> <p>The <a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=66&amp;pp=4&amp;uv=xname&amp;fot=1032" target="_blank" rel="nofollow">Discover it&reg; chrome for Students</a> card offers a more straightforward 2% cash back on gas and restaurants (up to $1,000 combined purchases each quarter) and 1% cash back on all other purchases. Plus, students get $20 cash back each school year their GPA is 3.0 or higher for up to the next 5 years. As an exclusive offer for new cardmembers, Discover matches all the cash back earned at the end of the first year &mdash; automatically. Cashback can be redeemed for any amount at any time, and they never expire. Another great perk is getting recent FICO scores for free on monthly statements and online so students can track their credit. For new cardmembers, there is currently a 0% introductory APR offer on purchases which lasts for 6 months. After that, a 13.24%-22.24% standard variable APR will apply. This card also comes with the Freeze It<sup>SM</sup> on/off switch. All Discover cards offer zero foreign transaction fees, and<strong> there is no annual fee. </strong></p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=66&amp;pp=4&amp;uv=xend&amp;fot=1032" target="_blank" rel="nofollow">Click here to learn more and apply for the Discover it&reg; chrome for Students today!</a></strong></p> <h3>Citi ThankYou Preferred Card for College Students</h3> <p><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=56&amp;pp=5&amp;uv=xcard" target="_blank" rel="nofollow"><img width="154" height="98" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u784/CitiTYPreferredx154-0427.jpeg" style="float:right; margin:0 5px 5px 10px;" alt="credit card" /></a></p> <p>The <a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=56&amp;pp=5&amp;uv=xname" target="_blank" rel="nofollow">Citi ThankYou&reg; Preferred Card for College Students</a> from our partner Citi offers 2 points on dining and entertainment purchases, and 1 point on all other purchases. There is no limit to the number of points you can earn with this card, and the points won't expire. They currently offer a sign up bonus of 2,500 points after spending $500 in the first three months, and 0% intro APR for 7 months on purchases. After that, the APR ranges from 14.24%-24.24% (variable), based on credit worthiness. <strong>There is no annual fee.</strong></p> <p><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=56&amp;pp=5&amp;uv=xend" target="_blank" rel="nofollow"><strong>Click here to learn more and apply for the Citi ThankYou&reg; Preferred Card for College Students.</strong></a></p> <h3>Journey&reg; Student Rewards from Capital One&reg;</h3> <p><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=34&amp;pp=6&amp;uv=xcard" target="_blank" rel="nofollow"><img height="98" src="http://www.imgsynergy.com/191x120/journey-student-rewards-100915.png" style="float:right; margin:0 5px 5px 10px; width=" alt="credit card" /></a></p> <p>The <a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=34&amp;pp=6&amp;uv=xname" target="_blank" rel="nofollow">Journey&reg; Student Rewards from Capital One&reg;</a> is marketed to students and features 1% cash back on all purchases, every month, with no annual fee. In fact, Capital One offers an additional 0.25% cash reward on the cash back earned each month when cardholders pay on time.</p> <p><a href="http://ct.wisebread.com/click.php?pg=27&amp;pid=34&amp;pp=6&amp;uv=xend" target="_blank" rel="nofollow" ct.wisebread.com=""><strong>Click here to learn more and apply for the Journey&reg; Student Rewards from Capital One&reg; today!</strong></a></p> <p>No matter which card they choose, students face treacherous path on their road to</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/the-5-best-credit-cards-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/5-best-secured-credit-cards-with-low-minimum-deposit">5 Best Secured Credit Cards with Low Minimum Deposit</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-secured-credit-cards">The 5 Best Secured Credit Cards</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-best-secured-cards-with-travel-rewards">5 Best Secured Cards with Travel Rewards</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/5-best-secured-cards-with-no-annual-fee">5 Best Secured Cards with No Annual Fee</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/5-best-secured-credit-cards-with-low-aprs">5 Best Secured Credit Cards with Low APRs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Education & Training best credit cards building credit college students Tue, 07 May 2013 19:48:50 +0000 Jason Steele 911504 at http://www.wisebread.com Arguing Over Money Drives Your Kids to Credit Card Debt http://www.wisebread.com/arguing-over-money-drives-your-kids-to-credit-card-debt <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/arguing-over-money-drives-your-kids-to-credit-card-debt" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/sad-little-girl-iStock_000020220461Small.jpg" alt="parents arguing" title="parents arguing" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Just in case you didn&rsquo;t have enough to worry about, researchers from East Carolina University have recently discovered yet another way we can screw up our kids. Apparently, children of parents who argue about money are more likely to be burdened by credit card debt as college students.</p> <p>This cheery information comes on top of concerns about the financial literacy of young people. According to a <a href="http://www.freakonomics.com/2009/10/19/financial-illiteracy-among-the-young/">2009 study</a> by Annamaria Lusardi, Olivia S. Mitchell, and Vilsa Curto, &ldquo;fewer than one-third of young adults possess basic knowledge of interest rates, inflation, and risk diversification.&rdquo; That level of financial illiteracy is hardly a good foundation for handling credit card debt, and yet that is exactly what is happening with college students. And according to the <a href="http://www.springer.com/about+springer/media/springer+select?SGWID=0-11001-6-1392954-0">Journal of Family and Economic Issues</a>, there is also &ldquo;growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card debt especially.&rdquo; All of this together makes it clear that we as a society need to do a better job of preparing our children for financial independence.</p> <p>But what, exactly, are we doing wrong? And how can we better prepare our kids for the temptations of credit? Here is a basic breakdown of the East Carolina University study, and some tips for increasing your child&rsquo;s financial literacy before they find themselves quitting college to pay off their credit cards. (See also: <a href="http://www.wisebread.com/7-important-lessons-frugal-parents-teach-their-children">7 Important Lessons Frugal Parents Teach Their Children</a>)</p> <h2>The Study</h2> <p>Researchers, led by Adam Hancock, developed the College Student Financial Literacy Survey, and asked 413 undergraduate students from seven different American colleges to take part. Among the topics on the survey:</p> <ul> <li>The number of <a href="http://www.wisebread.com/the-5-best-credit-cards-for-college-students">credit cards the students owned</a> and the amount they owed on each one.<br /> &nbsp;</li> <li>What kind of interactions the students had had with their parents when discussing finances.<br /> &nbsp;</li> <li>Financial knowledge of credit cards, loans, insurance, and personal finance.<br /> &nbsp;</li> <li>Attitudes toward credit &mdash; whether the students regarded credit cards as costly, safe, frightening, etc.<br /> &nbsp;</li> <li>The students&rsquo; comfort level with only paying the minimum each month.</li> </ul> <h2>The Findings</h2> <p>Of the 413 students surveyed, almost two-thirds owned a credit card, and nearly one-third had more than one credit card. The researchers found that there were three top predictors for how many credit cards a particular student had: class year, gender, and whether or not parents argued about money. In particular, juniors and seniors were almost four times as likely to have two or more credit cards than freshmen and sophomores. This finding makes sense, considering the fact that the <a href="http://en.wikipedia.org/wiki/Credit_CARD_Act_of_2009">2009 Credit CARD Act</a> was partially enacted to help prevent minors from taking on credit they couldn&rsquo;t afford. Upperclassmen are more likely to be over 21, meaning they don&rsquo;t need a cosigner to take on a credit card. In addition, women were twice as likely as men to have multiple cards &mdash; although the researchers were a little more vague on the probable reason behind this one. Finally, students whose parents argued about finances were twice as likely to have two or more credit cards as those whose parents presented a united financial front.</p> <p>These conclusions would not necessarily be troubling if the students carrying these multiple cards were able to handle their debt responsibly. However, students with more than one card were three times as likely to be carrying at least $500 in credit card debt. The bad news for parents keeps coming, because coming from a home with a lot of fights over money also doubles the likelihood of carrying more than $500 in debt.</p> <p>Arguing over money was problematic for kids from every walk of life, as well. It might seem like a reasonable assumption that money fights would be more common among lower-income families, which might also correlate with higher debt in the next generation. But the study actually controlled for wealth, and found that even kids from wealthy backgrounds were more likely to take on credit card debt if their parents argued about money.</p> <h2>OK, Money Fights Are Bad &mdash; but Why?</h2> <p>While the researchers don&rsquo;t have a specific conclusion as to why arguing over money can have such long-lasting consequences on the kids, the study&rsquo;s authors suspect that money fights are an indicator for unhealthy financial attitudes and actions. Study co-author <a href="http://business.time.com/2012/10/25/parents-who-argue-over-money-connected-to-overspending-by-kids/">Adam Hancock</a> suggests that &ldquo;kids growing up in that sort of atmosphere may be witnessing some unhealthy financial decisions. And they tend to act out those same behaviors.&rdquo;</p> <p>Another possibility for why money fights could have such lasting consequences is because they make the entire issue of finance fraught with negative emotions for everyone in the household. Kids will feel like money is something you can&rsquo;t talk about without starting a fight &mdash; so they don&rsquo;t talk to their parents about money. When they get out on their own, they may choose to handle financial issues without asking their parents for advice and seriously get themselves in trouble.</p> <p>Neither of these possible explanations completely explain why parents fighting about money could result in kids with credit card debt &mdash; and that&rsquo;s because there is only a correlation between the two factors. That means that we can say that two things seem to be related to each other, but we can&rsquo;t know for sure that one causes the other. (Remember your college statistics class? The one you slept through?)</p> <p>Basically, without a much larger study that includes many more participants and that looks into many more specifics of the fights between parents as well as other background information on the families, it&rsquo;s a little fast to assume that all parents who have arguments over money will be looking forward to Junior racking up credit card debt the moment he gets out on his own.</p> <h2>Financial Literacy at Home</h2> <p>That being said, teaching financial literacy to our children is an important part of preparing them for adulthood. Whether or not you and your spouse have occasional spats over the mortgage, the Visa bill, or how you&rsquo;re going to pay for the college Junior might drop out of, you can always use these strategies for keeping your kids money literate:</p> <p><strong>1. Include Your Child in Money Discussions</strong></p> <p>We tend to shield our children from financial conversations. After all, budgeting, bill paying, and saving can all feel like a bit of a bummer. And while there is no reason to bring your child into your financial worries &mdash; no 9-year-old needs to know that you&rsquo;re concerned about how you&rsquo;re going to pay the mortgage &mdash; that does not mean they&rsquo;re unable to handle money discussions in general.</p> <p>Start when they are small, and talk to them about why you choose one loaf of bread over another in the grocery. Help them understand that you try to save money by comparing prices, and ask for their help in figuring out what is cheaper. As they grow, include them in more of your decisions. For example, you could ask them to help you to figure out where the family can go on vacation based on the budget you have set aside.</p> <p>When money is shrouded in mystery for children, they won&rsquo;t suddenly wake up at age 18 knowing how to handle their finances. Introduce the concepts to them slowly, in the same way you teach your children to read &mdash; with age-appropriate lessons.</p> <p><strong>2. Give Your Kid an Allowance</strong></p> <p>While one of the biggest flame wars you can see on parenting websites is on whether or not to <a href="http://www.wisebread.com/five-jobs-for-children">give allowances as payment for chores</a>, financial and parenting gurus can all agree that the allowance itself is key. Having the responsibility for money each week &mdash; and making sure that you don&rsquo;t simply buy the kid anything he wants when the allowance has run out &mdash; is one of the best ways to teach budgeting skills and delayed gratification. After all, we all learn by doing, and it&rsquo;s better for Junior or Sis to learn early that cash doesn&rsquo;t last forever and that some things are a waste of money.</p> <p><strong>3. Encourage Your Teen to Get a Job</strong></p> <p>Many parents feel that their child&rsquo;s job is to do well in school, and have no other expectations of paid employment for them. Even if that is how it works in your house during the school year, it&rsquo;s a good idea for your teen to <a href="http://www.wisebread.com/great-summer-jobs-for-kids-and-adults">have a job over the summer</a>. Learning how to be a good employee, how to be responsible with a paycheck, and having some part in saving up for college or another big goal are all important lessons that come from teen employment. If they also work during the school year, then they will have a trial run at figuring out work-life balance before they find themselves on their own, which is another important financial lesson.</p> <h2>The Bottom Line</h2> <p>Even if you and your partner fight about money &mdash; and really, who doesn&rsquo;t? &mdash; all is not lost. Yes, money fights may be correlated with irresponsible credit card behavior, but you have the ultimate influence over your child. As long as you are proactive in using that influence instead of just letting your child soak up negative atmosphere, then you can rest assured that they are learning good habits from you. And by talking to them about money, you give them an opportunity to have an open dialogue with you later on if they hit a bump in the road.</p> <p>Now, for the million and one other ways you can mess up your kids&hellip;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/arguing-over-money-drives-your-kids-to-credit-card-debt">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/the-best-0-balance-transfer-credit-cards">The 5 Best 0% Balance Transfer Credit Cards</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/top-6-reasons-why-using-cash-only-rocks">Top 6 Reasons Why Using Cash-Only Rocks</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/how-your-credit-card-statement-is-keeping-you-in-debt">How Your Credit Card Statement Is Keeping You in Debt</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/6-ways-debt-settlement-can-leave-you-deeper-in-debt-even-with-trustworthy-companies">6 Ways Debt Settlement Can Leave You Deeper in Debt (Even With Trustworthy Companies)</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/what-20-somethings-can-do-about-credit-card-debt">What 20-Somethings Can Do About Credit Card Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards college students credit card debt kids and money Tue, 27 Nov 2012 11:00:30 +0000 Emily Guy Birken 957810 at http://www.wisebread.com 10 Great Jobs for College Students http://www.wisebread.com/10-great-jobs-for-college-students <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-great-jobs-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/college students.jpg" alt="College students" title="College students" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>September is coming to a close, you&rsquo;ve moved in to your dorm room or apartment, and you&rsquo;ve probably settled into the routine of your classes. Now perhaps you&rsquo;re wondering how to score a little extra cash so you can go on a dinner date instead of eating cereal for dinner as usual. Better yet, how can you make a little money but learn some valuable skills at the same time? The following jobs offer a flexible schedule as well as the potential to add some meat to your resume. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-college-students">The 5 Best Credit Cards for College Students</a>)</p> <h2>1. Tutor</h2> <p>Tutoring is an excellent job for a college student. The hours are usually flexible, and the pay is often excellent. In addition, you can learn some valuable presentation and communication skills by teaching a child or teenager &mdash; if you can explain algebra to a 16-year-old, what can&rsquo;t you do? You may tutor a pupil one-on-one in their home or teach larger classes at a learning center.</p> <h2>2. ESL Teacher</h2> <p>If you can speak English, you can likely teach it. Consider getting certified in Teaching English as a Second Language (TESL classes are usually available on a part-time basis or through intensive summer courses), which will allow you to work for a language school either at home or abroad. This part-time work can be parlayed into a summer job or full-time job after you graduate, and even if you don&rsquo;t pursue it further, you&rsquo;ve gained important presentation, public speaking, and communication skills.</p> <h2>3. Yoga/Fitness Instructor</h2> <p>Passionate about yoga, Pilates, or some other fitness program? Instead of <a href="http://www.wisebread.com/where-to-find-free-or-cheap-yoga-classes">paying to go to fitness classes</a>, why not get paid? If you have enough experience under your belt, consider going through a part-time instructor certification program that will allow you to teach classes at your local gym or studio for a few hours a week. You may even be able to turn it into a career later on, or at least supplement your income if you find yourself in a pinch.</p> <h2>4. Social Media Guru&nbsp;</h2> <p>Who knew that those hours spent on Facebook and Twitter would pay off? As a tech-savvy young person, your social media networking skills are in high demand. Many types of businesses, from real estate to event planning to club promotion, hire young people to tweet and post about the latest happenings in the field. Get a job tweeting in your area of studies, and you may gain valuable connections for after you graduate as well.</p> <h2>5. Small Business Owner</h2> <p>It&rsquo;s never too early to start honing your entrepreneurial skills, especially when a large body of relatively cheap labor (read &mdash; other college students) is at hand. Start a painting or moving company or an after-school tutoring program, or start using your artistic skills in a photography or web-design business. Even if your business doesn&rsquo;t end up enormously lucrative, you&rsquo;ll have an amazing learning experience to add to your resume.</p> <h2>6. Nanny&nbsp;</h2> <p>You might have thought that your days as a teenage babysitter were behind you, but college is actually a great time to take babysitting to the next level. You are older and more responsible, and if you have a car, you are perfectly equipped to pick kids up after school and hang out with them till their parents get home. You can also command a higher hourly rate and show future employers how responsible and trustworthy you are. Becoming an au pair is also one of the best ways to travel around the world after you graduate while <a href="http://www.wisebread.com/jobs-that-offer-free-room-and-board">having your room and board paid</a>.</p> <h2>7. Administrative Assistant</h2> <p>A part-time job spent answering phones, filing documents, and doing general office work can turn into a more lucrative job as you move up the corporate ladder. Although you may primarily be doing secretarial work, you&rsquo;re also in contact with professionals at your company who may be able to help you get a head start in your chosen career, be it in publishing, advertising, law, or finance. In addition, you&rsquo;ll learn how to behave professionally, get organized, and provide stellar customer service &mdash; and you&rsquo;ll earn a pretty good paycheck in the meantime.</p> <h2>8. Brand Ambassador</h2> <p>Being a brand ambassador is a great way to get a &ldquo;marketing&rdquo; entry on your resume. Nowadays companies are hiring more college students than ever to promote brands to their peers. You&rsquo;ll give away free samples and organize events and promotions while being paid in cash, perks, and swag. If the commercialization of campus life doesn&rsquo;t bother you, you might be able to make a nice little supplemental income.</p> <h2>9. Bank Teller</h2> <p>Working at a bank is a great way for college students to get experience in the field of finance, albeit at a low level. Hours are often flexible, many bank tellers work on a part-time basis, and a degree is not required. Later on, you may also be able to advance your career within the bank.</p> <h2>10. Paid Intern</h2> <p>Never underestimate the power of an internship. I know of many college students who interned at a company in their field of study and went on to be hired full-time at that company. In competitive fields, this may be one of the best ways to <a href="http://www.wisebread.com/15-simple-networking-tricks">gain connections</a> and get your foot in the door in your profession. Unfortunately, many internships today are unpaid, but often, the learning experience is worth it.</p> <p><em>What job did you have in college, and how did it help you?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/10-great-jobs-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-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-retirement-jobs">6 Great Retirement Jobs</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-great-side-jobs-for-introverts">10 Great Side Jobs for Introverts</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/why-you-dont-need-a-college-degree-to-succeed">Why You Don&#039;t Need a College Degree to Succeed</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/9-cheap-ways-to-increase-your-knowledge-and-earning-potential">9 Cheap Ways to Increase Your Knowledge and Earning Potential</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/9-ways-to-earn-extra-cash-when-money-is-tight">9 Ways to Earn Extra Cash When Money Is Tight</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Career Building Education & Training Extra Income college students first jobs flexible work schedule part time jobs side jobs Tue, 25 Sep 2012 10:00:42 +0000 Camilla Cheung 954663 at http://www.wisebread.com Re-Nesting: Tips for Moving Back in With Your Parents http://www.wisebread.com/re-nesting-tips-for-moving-back-in-with-your-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/re-nesting-tips-for-moving-back-in-with-your-parents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/5038779339_54d44b282d_z_0.jpg" alt="student and parents" title="student and parents" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>In nature, when an animal&rsquo;s offspring are old enough to leave the nest, the children are gone for good. With human beings, however, particularly in a rough economic climate, going back home to live with your parents in your late twenties, thirties, or even forties has become a somewhat common occurrence. In some cultures, it is completely normal to live with multiple generations in the household, but many people who are not accustomed to such living arrangements often feel a sense of failure or embarrassment when moving back home. (See also:&nbsp;<a href="http://www.wisebread.com/the-benefits-of-having-a-roommate-besides-saving-on-rent">The Benefits of Having a Roommate &mdash; Besides Saving on Rent</a>)</p> <p>My advice? Don&rsquo;t feel that way. Financial stability is crucial to your mental well-being, and if your parents are willing to take you, then this can be a great opportunity to get back on your feet. Here are some tips to keep in mind before making the transition.</p> <h2>Draw Up a Contract</h2> <p>It may just be your parents, but this first step is important for everyone&rsquo;s peace of mind. They aren&rsquo;t obligated to allow you back in their home, so it is necessary for them to lay out the rules and determine how much you&rsquo;ll be paying for rent, utilities, and food. If they&rsquo;re letting you stay rent-free, then consider yourself extremely lucky.</p> <p>It would also be wise to set up an exit plan, giving you a motivation to move out by the given deadline and assuring your parents that you&rsquo;re not going to stay with them forever.</p> <h2>Expect Diminished Independence</h2> <p>Yes, there are bound to be rules and restrictions, and even though you&rsquo;re no longer a child or teenager, you ought to respect them to the fullest extent, even if you don&rsquo;t agree with them. Perhaps you won&rsquo;t be able to stay out until three in the morning or have alcohol in the house (again, these matters should be outlined in some form of a contract), but even a lessened sense of independence shouldn&rsquo;t get in the way of your path to <a href="http://www.wisebread.com/the-freedom-of-the-independent-yeoman">financial freedom</a>. Again, there&rsquo;s no shame in living with your parents (temporarily), and if you decide to rejoin the nest, take this as a valuable opportunity to build up your own savings (perhaps for a down payment on a home of your own), even if it comes at the expense of your social life.</p> <h2>Help Out</h2> <p>Showing your appreciation &mdash;<em> especially</em> if you&rsquo;re living rent-free &mdash; is practically a must when you&rsquo;re living with your parents past the regular 18-year-old limit. This could entail <a href="http://www.wisebread.com/25-delicious-healthy-and-cheap-bean-recipes">preparing a meal</a> one night (and paying for the food yourself), cleaning up around the house beyond what is already expected of you, and yard work.</p> <p>During the economic recession, children have been rushing back into the comfort of their parents&rsquo; homes in record numbers. If you&rsquo;re considering this move, you are just one of many that are seeking refuge from a tough job market and untenable cost of living. It will take some getting used to, but with proper planning, patience, and a sense of appreciation for what your parents are doing for you, this can be a very smart decision (so long as it&rsquo;s only short-term).</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kelly-kehoe">Kelly Kehoe</a> of <a href="http://www.wisebread.com/re-nesting-tips-for-moving-back-in-with-your-parents">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/7-ways-to-decorate-an-apartment-without-losing-your-deposit">7 Ways to Decorate an Apartment Without Losing Your Deposit</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/6-ways-to-improve-your-curb-appeal-for-next-to-nothing">6 Ways to Improve Your Curb Appeal for Next to Nothing</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-cities-for-starting-over">The 5 Best Cities for Starting Over</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-ways-to-save-on-a-long-distance-move">10 Ways to Save on a Long-Distance Move</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/6-apps-every-dad-needs">6 Apps Every Dad Needs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Home Real Estate and Housing cheap rent college students having roommates parents Thu, 08 Mar 2012 11:24:19 +0000 Kelly Kehoe 909760 at http://www.wisebread.com Escape Student Loan Debt — Slowly http://www.wisebread.com/escape-student-loan-debt-slowly <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/escape-student-loan-debt-slowly" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/graduates_in_red.jpg" alt="Graduating students" title="Graduating students" class="imagecache imagecache-250w" width="250" height="148" /></a> </div> </div> </div> <p>If you've got student loan debts that you'll never be able to pay off, you've now got a better chance to escape. It's still going to take a while. (See also: <a href="http://www.wisebread.com/wage-slave-debt-slave">Wage Slave, Debt Slave</a>)</p> <p>Under new rules that Obama announced today, students who can't afford to pay off their student loans will be able to cap their payments at 10% of their discretionary income. If they make those payments for 20 years, any remaining debt owed will be written off.</p> <p>This is a modest improvement to an already existing program that our own Xin Liu <a href="http://www.wisebread.com/new-income-based-federal-student-loans-repayment-plan-can-you-benefit">wrote about back in 2009</a>. The older version only wrote the remaining debt off after 25 years, and it required payments of 15% of discretionary income.</p> <p>For people with low incomes &mdash; or people with moderate incomes, but a lot of student loan debt &mdash; this will be a huge change. One of the examples in the White House <a href="http://www.whitehouse.gov/the-press-office/2011/10/25/fact-sheet-help-americans-manage-student-loan-debt">fact sheet</a> is of a nurse earning $45,000 with $60,000 in federal student loans:</p> <blockquote><p>Under the standard repayment plan, this borrower&rsquo;s monthly repayment amount is $690. The currently available IBR plan would reduce this borrower&rsquo;s payment by $332 to $358. President Obama&rsquo;s improved &lsquo;Pay As You Earn&rsquo; plan will reduce her payment by an additional $119 to a more manageable $239 &mdash; a total reduction of $451 a month.</p> </blockquote> <p>This isn't a new idea. At least as far back as 1980, there was serious talk of letting students pay for their whole education on these terms: They'd sign a note promising the college or university 10% of their income for 20 years, and in exchange the school would provide their education. (I remember reading later that there had been some experiments along those lines, but that they'd been pretty unsuccessful because people who expected to earn a high income &mdash; doctors, lawyers, business majors &mdash; never signed up. It was only people getting degrees in social work, elementary education, theology, and such who went with the plan &mdash; and 10% of <em>their</em> income for 20 years didn't come close to covering the cost of their education.)</p> <p>I've complained before about how debt traps people in the <a href="http://www.wisebread.com/opting-out-of-the-money-economy">money economy</a>. On a temporary basis, most people can <a href="http://www.wisebread.com/emergency-belt-tightening">cut their expenses</a> almost to zero &mdash; except that they can't, if they have debts. Paying your debts requires fixed-dollar payments.</p> <p>That's the big win of this program &mdash; the amount people need to pay isn't fixed in dollars; it's fixed in terms of income. If your income is very low, the amount you need to pay back will be very low as well.</p> <p>There are a few other changes. In particular, it'll become easier to consolidate student loans (and the consolidated loans will get a small interest rate reduction.</p> <p>Perhaps more important in the long run, the new Consumer Financial Protection Bureau is teaming up with the Department of Education to offer a &quot;<a href="http://www.consumerfinance.gov/students/knowbeforeyouowe/">Know Before You Owe</a>&quot; financial aid shopping sheet.</p> <p>I've always been unhappy about the way parents, teachers, guidance counselors, and college admissions officers lead kids (juniors in high school, often only 17 or even 16 years old) to commit themselves to pay back tens of thousands dollars in debt. It makes me unhappy even though the adults have the best intentions, and even though a good education is very important. Yes, other decisions made at that age (such as the decision to have a child) inevitably have life-long consequences &mdash; but you don't see students' adult advisors encouraging them to follow <em>that</em> path. I think the decision to take on tens of thousands of dollars in debt is a decision of the same magnitude, and yet many students blithely sign up for it, with little consideration of the consequences or the alternatives.</p> <p>You're better off avoiding excessive debt in the first place &mdash; and maybe the new sheet from the CFPB and the DoE will help. But if that choice has already been made, and student loan debt is a burden, here's a way to reduce that burden significantly.</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/escape-student-loan-debt-slowly">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/the-best-0-balance-transfer-credit-cards">The 5 Best 0% Balance Transfer Credit Cards</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-to-rebuild-your-credit-in-8-simple-steps">How to Rebuild Your Credit in 8 Simple Steps</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/snowballs-or-avalanches-which-debt-reduction-strategy-is-best-for-you">Snowballs or Avalanches: Which Debt Reduction Strategy Is Best for You?</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-one-couple-paid-off-147k-of-debt-even-while-unemployed">How One Couple Paid Off $147k of Debt (Even While Unemployed)</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/how-to-get-a-credit-card-when-you-have-bad-credit">How to Get a Credit Card When You Have Bad Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management college students consolidate student loans federal student loans Wed, 26 Oct 2011 22:49:43 +0000 Philip Brewer 765614 at http://www.wisebread.com My Number One Tip for College Students http://www.wisebread.com/my-number-one-tip-for-college-students <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/my-number-one-tip-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/graduating_students.jpg" alt="Graduating college students" title="Graduating college students" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>When I was in grad school getting an MA in writing, a visiting writer came into our classroom and talked about her career. She took questions at the end and as a young, 23-year-old wannabe writer, I only wanted to know one thing &mdash; what's your number one piece of advice for young students like us that are trying to &quot;make it&quot; as writers?</p> <p>I'll never forget her response &mdash; <em>take advantage of your time</em>.</p> <p>She said time was the number one thing she regretted about when she was in our shoes. You don't realize it until later, but when you're in college, you have more time than you'll ever have again.</p> <p>As a 30-year-old with a wife and family, I know exactly what she means. When I was in college, I wasted thousands of hours doing unproductive things like watching TV, drinking too much beer, and &quot;hanging out.&quot;</p> <p>I'm not saying you shouldn't have fun while you're in college, but having this much time on your hands is also a great opportunity to get a leg up on everyone else who's going to be vying for a job in a few years.</p> <p>How can you better spend this valuable time? Here are three ways you could be more productive with your time while you're in college. (See also: <a href="http://www.wisebread.com/5-tips-for-my-career-clueless-college-self">5 Tips for My Career-Clueless College Self</a>)</p> <h3>Learn Something New</h3> <p>This is the perfect time to learn something new. And it doesn't have to be something like writing computer code (although that sure would come in handy) or patent law.</p> <p>What about learning a new language? Maybe you took some Spanish classes in high school and want to stay fresh before it all completely gets forgotten.</p> <p>Or learn to play the guitar &mdash; learning to play a musical instrument can give you a unique perspective on things for the rest of your life.</p> <p>You can also challenge yourself and pick up something completely random: chess, swimming, ballroom dancing, magic &mdash; whatever you want.</p> <p>Whatever you wind up trying is almost secondary to the fact that you took the initiative to learn something new all on your own. Whether you fail or succeed matters less; it's the journey that will be valuable.</p> <h3>Perfect Something You Know</h3> <p>Millions of people are &quot;pretty good&quot; at stuff like playing the guitar. But how many are really, really good? I don't know &mdash; but I can guarantee you it's a lot less (how's that for scientific?).</p> <p>Anyway, if you already know how to speak a little Spanish, spend some time to become fluent. Are you a decent tennis player? Try to move a step up and become closer to an elite player.</p> <p>When I was in college, I was already a very good baseball player. But I spent a lot of time trying to get even better. Part of it was because I still thought I could go pro (I know, I know). But part of me simply loved the game so much that I wanted to use my time to perfect my craft even more.</p> <p>The larger lesson here? No matter how good you think you are at something, you can always be better. Put in the work and push yourself to be even better than you already are.</p> <h3>Meet New People</h3> <p>A lot of people think going to college is a waste of time (and money). And one of the comebacks you always hear about is networking &mdash; you can't get the benefits of networking from a book. Being surrounded by other like-minded people who will soon be out in the world is an invaluable resource.</p> <p>Unfortunately, most of us stay in our comfort zones and hang out with the same people we always hang out with &mdash; people like us. That's not very exciting or helpful.</p> <p>So instead of falling into those same crowds, seek out different people. Talk to them and get to know them. Learn about their dreams and goals. Find out what makes them tick.</p> <p>Exposing yourself to different types of people and understanding them is like <a href="http://www.wisebread.com/travel-resources">traveling around the world</a> &mdash; that added perspective will make you a more worldly person with more tools to deal with adversity when it comes.</p> <h3>Seriously, Don't Waste Your Time</h3> <p>I hate sounding like the crotchety old guy, but please don't waste all this time. Have your fun, but try to also do some of these things. It will make you a more well-rounded person and when job interviews come around, you'll have a leg up on the competition.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carlos-portocarrero">Carlos Portocarrero</a> of <a href="http://www.wisebread.com/my-number-one-tip-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-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-stay-focused-at-work">How to Stay Focused at Work</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-single-greatest-key-to-managing-your-time">The Single Greatest Key to Managing Your Time</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/7-things-id-love-to-change-about-meetings">7 Things I&#039;d Love to Change About Meetings</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/11-ways-a-second-language-can-boost-your-career">11 Ways a Second Language Can Boost Your Career</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/how-to-stick-to-personal-deadlines">How to Stick to Personal Deadlines</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development Productivity college students skills time management Thu, 22 Sep 2011 09:48:30 +0000 Carlos Portocarrero 712644 at http://www.wisebread.com The College Freshman Budget http://www.wisebread.com/the-college-freshman-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-college-freshman-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/college_classroom.jpg" alt="Students working in a classroom" title="Students working in a classroom" class="imagecache imagecache-250w" width="250" height="146" /></a> </div> </div> </div> <p>Welcome to the fall semester! Whether you are on financial aid, are paying for college yourself, or have parents paying the brunt of it, your money can easily be gone long before your statistics or world civilization class will be. A little planning and corner cutting can help stretch those dollars. As a former student and current professor, here's my low-down on what you and your family might want to consider.<o:p> (See also: <a href="http://www.wisebread.com/college">Wise Bread's College Guide</a>)</o:p></p> <h3>Textbooks</h3> <p>Every semester the sticker shock of books and materials seems to take both parents and students by surprise. The cost of textbooks is rising &mdash; that's not going to change for the better, but there are ways around this. For those on financial aid, know this &mdash; since the 1994 Congress changed laws governing student financial aid, America&rsquo;s students have not received their financial aid checks in advance of the first day of class. This often means students are well into the first month of school before their checks arrive. The cheaper, used textbooks have since been bought out by those, ironically, not on financial aid! You need to plan for this.</p> <p>Ask your instructors whether it&rsquo;s okay for you to use a slightly older edition of the books you need for class. Most of the time the difference in an edition is as little as its introduction. Sometimes the instructors aren't aware that there is a new edition or older edition, or what the differences are. Using last year's edition can drop the price tag by more than $60.</p> <p>Ask your instructors whether there&rsquo;s a copy of the text on reserve in the library, and then go and make time to read it there. Many professors do have books on reserve.</p> <p>Texts for three of the books I use for a class are entirely online available for free. Make sure you look up your texts just in case this applies. You never know! This is especially true of older textbooks, novels, etc.</p> <p>Weigh all your options in buying the books: <a href="http://www.amazon.com">Amazon</a>, <a href="http://www.bkstr.com/">eFollett</a>, <a href="http://www.ebay.com">eBay</a>, and your student bookstore. Sometimes an item can be high priced from one online company and totally cheap from another. Sometimes a nearby town book store can order books for you as well. If you are taking a literature class, check thrift stores near where students live, as odds are good that someone just moved and didn&rsquo;t have time to take their old textbooks with them. I scored four books that I then gave away to students because other students just dropped them off at the thrift store.</p> <h3>Food</h3> <p>Now is an excellent time to go on a diet &mdash; less food, less money! All teasing aside, see if your campus has a meal card for its cafeterias. Meal plans generally can be bought in incremental amounts depending on the school and how much a student will be eating on campus. If you are on campus for three meals a day, get the bigger plan. This is one way to really strictly budget food.</p> <p>If your college does have a meal card and your aunts and grandparents keep asking what you need, tell them to put money on your card. Nothing makes a student feel like he or she is more broke than not having money to eat. Eating on campus might not provide the best variety of food and can certainly be boring, but it can be economical. You don't want to be thinking about what to cook or where the cheapest meal might be when you've got midterms you should be studying for anyway. I've seen students with money left on their cards at the end of the semester barter with other students without any money left on theirs. Other meal suggestions can be found in my <a href="http://www.wisebread.com/college-student-eating-survival-guide-until-spring-break">college student eating survival guide</a>.</p> <h3>Transportation</h3> <p>First of all, don&rsquo;t go home. I mean it. You are in college. Go home at Thanksgiving or Christmas, but not two weeks into school. You&rsquo;re a big kid now, and you can manage. Those frequent trips home to do free laundry are going to cost you in gas and time. Most colleges have some deal worked out with local bus lines for free or discounted bus passes. Opt for this rather than having your car with you, or just use your own car as a last resort. Cars lead to parking tickets around campus anyhow. If you do have your car, gas cards usually don&rsquo;t expire and are another great gift from the grandparents if you can convince them to send you this rather than a sweater.</p> <h3>College Resource Centers, Computer Labs, and Libraries</h3> <p>The most expensive part of being a student can be the technology, and sadly, most students do not use the resource centers, student services, and computer labs available to them for free on campus. Your tuition and fees go to pay for such services and equipment. Use them. Odds are you have your own laptop, but you can print on campus for free or low cost. Some student centers have counseling and therapy available for students &mdash; again, your tuition and fees paid for this, so why not use the services rather than pay for the same thing off campus?</p> <h3>Regular Bills: Frivolities and Utilities</h3> <p>You don&rsquo;t need the mega data plan on your phone; you&rsquo;re supposed to be reading, remember? Do you need 500 channels of TV? Look at your existing bills like cable and data plans on your phone, and see if you can downgrade them a little. You don&rsquo;t need the distractions, and you could use the $40. Also, never talk to your professors about not being able to afford the book with a smartphone in your hand or $200 sneakers on your feet. It just won't fly.</p> <p>Most utility companies have basic plans for students and low-income households. I had Lifeline on my phone through college &mdash; just the basics. Some electric companies offer a reduced energy bill program. In California, my home state, we have the CARE (California Alternate Rates for Energy) program through Pacific Gas and Electric that can mean $10 to $15 off your utility bills. A local community resource center or student center might have brochures for what applies to your area.</p> <h3>The Student ID Card</h3> <p>Not all schools require students to have them, but all produce some sort of ID card. Make sure to get one. This really is your ticket to all sorts of discounts around town. Look for entrance fee discounts for museums, specials in restaurants, bookstores, etc. If you are in a college town, odds are the local merchants will give you a break provided you can prove you are a student at that local college.</p> <h3>Financial Aid and Student Services</h3> <p>Whether you are on <a href="http://www.wisebread.com/college/financial-aid">financial aid</a> or homegrown parent aid, the trick with budgeting is to plan for the worse case scenario. Checks can be late and rules can change in the middle of the semester. Parents get divorced while young adult children are in college, and that great step parent might leave you high and dry afterwards (happened to me). Make that first check last as long as possible. I used to try and put half of it away in a savings account that I could withdraw from in a few months. It was never long enough to draw interest, but the money didn&rsquo;t tempt me in my checking account. This is the best time in your life to learn how to stretch it.</p> <p>This might be the first time mom and dad aren't there with you to fight your bureaucratic battles. Don't be shy! You need to be your own advocate. Go through your college handbook and familiarize yourself with where to go for health concerns, housing, utilities, financial aid, tutoring, and other students services. One of the biggest learning experiences in college is learning to navigate the system itself.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/maggie-wells">Maggie Wells</a> of <a href="http://www.wisebread.com/the-college-freshman-budget">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/a-better-way-to-rank-americas-colleges">A Better Way to Rank America&#039;s Colleges</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-credit-cards-for-college-students">The 5 Best Credit Cards for College Students</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/college/college-resources">40+ College Resources for Parents and Students</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/5-sobering-facts-about-student-loan-debt">5 Sobering Facts About Student Loan Debt</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/college">College Guide</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Education & Training cheap things on campus college students financial aid Tue, 06 Sep 2011 10:00:15 +0000 Maggie Wells 688899 at http://www.wisebread.com 40+ College Resources for Parents and Students http://www.wisebread.com/college/college-resources <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/college/college-resources" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000016328640Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="163" /></a> </div> </div> </div> <p><em>Updated November 2012</em></p> <p>Preparing to send your child off to college is an exciting time, but can also be filled with stress and anxiety as you try to navigate through the admissions and <a title="College Financial Aid Guide" href="http://www.wisebread.com/college/financial-aid">financial aid</a> process, not to mention all the other things that come once accepted. Here are 42 resources to the rescue!</p> <h2>How To Pay For College</h2> <p><em>Higher education is expensive, but here are resources to help you <a title="How to Save Money for College" href="http://www.wisebread.com/college/saving-for-college">save money for college</a> and learn about <a title="Types of Federal Student Loans" href="http://www.wisebread.com/college/federal-student-loans">federal student loans</a>, private loans, grants, scholarships, and when it's time to pay for school.</em></p> <p><a href="http://www.online-college-blog.com/index.php/uncategorized/100-money-saving-financial-calculators-for-college-students-and-parents/ "><strong>100 Money Saving Financial Calculators for College Students and Parents</strong></a> &ndash; With categories like Financial Aid and Tuition, Savings, Basic Budget, Travel and Study Abroad, Tax Deductions and even Retirement (plus several more), this list has all your bases covered.</p> <p><a href="http://www.bankrate.com/student-loans.aspx?pid=p:wib"><strong>Bankrate</strong></a> &ndash; Go to Bankrate's page on <a href="http://www.bankrate.com/student-loans.aspx?pid=p:wib">College Finance</a> for news and tips about student loans and 529 plans. Get the current stats on student loan rates, updated daily and weekly.</p> <p><a href="http://www.college.gov/wps/portal/college?WCM_GLOBAL_CONTEXT=/wps/wcm/connect/college/college/howtopay/howtopay"><strong>College.gov</strong></a> - This site is an ongoing collaborative project between the U.S. Department of Education and students to help high school students and their parents plan their educational future, with section dedicated to the financial aspect of it. College.gov works great as a refresher course for current college students, too.</p> <p><a href="http://www.collegeboard.com/student/pay/"><strong>The College Board</strong></a> &ndash; Is it any surprise that an organization which produces tests taken by students for the sole purpose of getting into the college of their choice also provides helpful articles on how to pay for college? The College Board does. Other tools for students (and parents!) include a <a href="http://apps.collegeboard.com/fincalc/ep/wizard-home.jsp">Financial Aid EasyPlanner</a>, financial calculators, a scholarship search engine, and a worksheet that makes it super easy to compare aid awards.</p> <p><a href="http://www.collegescholarships.org/"><strong>College Scholarships</strong></a> &ndash; Find scholarships that interest you in just a few clicks. College Scholarships links you directly to organizations that offer scholarships for students with your interests, background, and need. Other resources include (but not limited to):&nbsp; essay-writing tips, information request templates, college savings tips, and information on tuition reimbursement programs. You'll also want to check out their <a href="http://www.collegescholarships.org/blog/"> financial aid blog</a> and <a href="http://www.collegescholarships.org/student-living/save-money.htm">118 Ways to Save Money in College</a>.</p> <p><a href="http://www.educationgrant.com/"><strong>EducationGrant</strong></a> &ndash; A compilation of all the how-to-pay-for-college resources a college student needs. EducationGrant has extensive information on various kinds of aid and gives you tips on how to apply for them, too.</p> <p><a href="http://edu.fastweb.com/"><strong>FastWeb</strong></a> &ndash; FastWeb is the Internet's leading scholarship search service, but that's not all. They also have tools, articles, and additional resources to help students choose a college, figure out how to pay for college, and find jobs and internships to supplement student aid. The best part: FastWeb is totally and completely free to use.</p> <p><a href="http://www.finaid.org/"><strong>FinAid</strong></a> &ndash; A one-stop source for everything you need to know about scholarships. loans, savings plans, military aid, and other types of aid specific to your needs. You'll also find a helpful guide that walks you through <a href="http://www.finaid.org/fafsa/">the financial aid application process</a>.</p> <p><a href="https://www.greennote.com/"><strong>GreenNote</strong></a> &ndash; A unique peer-to-peer lending service that helps students use their social network of friends and family to secure student loans. Lenders can earn a return on their money while helping a student get an education. It's a win-win.</p> <p><a href="http://humancapitalscore.com/Home/Welcome"><strong>People Capital</strong></a> &ndash; A new, free calculator that determines a student's Human Capital Score (HCS), a projection of future income potential and the ability to pay back a student loan. The score measures variables such as GPA, standardized test scores, college and major. Since students usually have a short or no credit history, the HCS provides an alternative to traditional FICO scores. Also launching later this year is their peer-to-peer lending platform that will match students with college funding sources.</p> <p><a href="http://www.saystudent.com/"><strong>SayStudent</strong></a> &ndash; The site compares the different kinds of aid programs available for students (undergrad and grad), parents, and porfessionals in a neat chart for easy comparison. SayStudent also has a <a href="http://www.saystudent.com/college-budget.html">step-by-step budget plan</a> and downloadable worksheets to help you manage your money before school starts and during the academic year.</p> <p><a href="http://studentaid.ed.gov"><strong>Student Aid on the Web</strong></a> &ndash; The U.S. Department of Education's advanced course on funding post-high school education. Find information on federal student aid programs, how to apply for financial aid, and how to repay your loans.</p> <p><a href="http://www.studentfinancedomain.com/"><strong>Student Finance Domain</strong></a> &ndash; Learn how to pay for college and manage your money. Among many other topics, Student Finance Domain goes in depth on student banking, spending and protecting, financial aid and student loans, and they even explore options for international students.</p> <p><a href="http://study.com/academy/course/index.html"><strong>Study.com</strong></a> &ndash; Check out Study.com's directory of articles on <a href="http://study.com/article_directory/Articles_about_Student_Finances.html">Student Finances</a> for a wide range of handy tips and guidelines aimed at helping poor college students pay for college.</p> <p><a href="http://www.tuitionu.com/"><strong>TuitionU</strong></a> &ndash; TuitionU is an education finance network that helps students and families find ways to pay for college, ranging from the traditional to alternative, and even peer and individual sources. The site also offers financial resources for those planning for college as well as recent graduates.</p> <p><a href="http://www.tkqlhce.com/click-2822544-10575137?cm_mmc=CJ-_-2276508-_-2822544-_-Upromise%20Standard/"><strong>Upromise</strong></a> &ndash; Spend money and save for college at the same time. Upromise members just need to shop at one Upromise's thousands of partners. A portion of your purchase would accumulate in your Upromise account until you decide to invest in a 529 plan, pay down eligible student loans, or pay for other college expenses. Another thing: withdrawals from your Upromise account are tax-free!</p> <h2>Required Reading: Textbook Savings</h2> <p><em><img align="left" alt="" style="width: 184px; height: 275px;margin: 0 10px 10px 0" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/bookstack.jpg" />Substantial chunks of a <a title="Calculating the Cost of College" href="http://www.wisebread.com/college/cost-of-college">college student's expenses</a> go into buying textbooks that will either end up collecting dust in a neglected corner once the class is over or be resold for a fraction of what you paid. So, what to do?</em></p> <p><a href="http://www.bookburro.org/"><strong>Book Burro</strong></a> &ndash; When you're browsing a book page on, say, Amazon, this nifty Firefox/Flock extension appears in the corner of your browser, ready to connect you with sellers &ndash; <em>and libraries! </em> &ndash; to check the price and availability of the book. Awesome? Indeed.</p> <p><a href="http://www.bookfinder.com/ "><strong>BookFinder</strong></a> &ndash; If you study best by highlighting, underlining, or writing notes (or doodling stick-figure flip books) in the margins, textbook rentals may not be for you &ndash; but never fear! BookFinder.com searches the inventories of150,000 booksellers and produce a price comparison list tailored to your specifications. So before you buy that book that seems affordable enough, remember to run it through BookFinder.com first to make sure you're getting the best deal.</p> <p><a href="http://www.jdoqocy.com/click-2822544-10734724"><strong>BookRenter</strong></a> &ndash; Another textbook rental site with five rental periods to let you rent for any school term period. To maintain the condition of the books as like-new or better, no writing or highlighting is allowed, but that's a pretty good trade-off for the money you'll save by using BookRenter.</p> <p><a href="http://www.campusbooks.com/?pl_id=2018"><strong>CampusBooks</strong></a> &ndash; Compare prices on millions of new and used college textbooks. You can also list your textbooks for sale here.</p> <p><a href="http://www.dpbolvw.net/click-2822544-10510077"><strong>Chegg</strong></a> &ndash; In the words of the Cheggifesto: &quot;Don't buy it.&quot;&nbsp; With Chegg, you can rent the textbooks you need for a fraction of the listing price and return them at the end of the semester (or quarter) with prepaid shipping labels provided by Chegg. Just make sure you don't write in the books or highlight excessively -- it is a <em>rental </em>service, after all, but if you want to buy the book you rented, you have the option to do so. And another incentive to use Chegg: they plant a tree for every book you rent!</p> <p><a href="http://www.collegebooksdirect.com"><strong>CollegeBooksDirect</strong></a> &ndash; Only sells what they have in stock, and they do same-day shipping if you order before 2 PM CST. College students on a budget are the base of their clientele, so you know that their books will be cheap and shipping will be fast.</p> <p><a href="http://www.directtextbook.com/"><strong>Direct Textbook</strong></a> &ndash; Their multi-format price comparison searches online bookstores (new, used, ebook, rental) and combines them into one table.</p> <p><a href="http://clickserve.cc-dt.com/link/tplclick?lid=41000000028574968&amp;pubid=21000000000240646"><strong>Textbooks</strong></a> &ndash; Large selection of new, used and digital textbooks. Get their exclusive guaranteed cash back when you sell back the book at the end of the term.</p> <h2>Campus Life: Food and Lifestyle</h2> <p><em><img src="http://static2.killeraces.com/files/fruganomics/imagecache/605x340/blog-images/5811716939_35f9bc6b66_z.jpg" alt="" /><br /> credit: <a href="http://www.flickr.com/photos/garrett-ewp/5811716939">Garrett Gill</a>&nbsp;</em></p> <p><em>So you have your classes and your books. What next?</em></p> <p><a href="http://college.lifetips.com/"><strong>College Lifetips</strong></a> &ndash; Get over a hundred articles guiding students through admissions to dating to student health.</p> <p><a href="http://www.collegetips.com/"><strong>College Tips</strong></a> &ndash; Get real college tips from real college students. College Tips is a great resource for future and current students looking to make the most of their college experience. From study to laundry to party, College Tips will guide you through the ins and outs of student life.</p> <p><a href="http://thedormchef.com/"><strong>The Dorm Chef</strong></a> &ndash; Dorm-friendly recipes for students who want to eat well but don't have a traditional kitchen or a huge grocery budget. Most recipes only call for a microwave and/or a grill.</p> <p><a href="http://www.dormdelicious.com/"><strong>DormDelicious</strong></a> &ndash; Provides dorm decor advice, decorating ideas, and organization tips. Also get helpful tips from other students for decorating your college digs.</p> <p><a href="http://www.myedu.com"><strong>MyEdu</strong></a> &ndash; MyEdu makes managing your college career positively breezy. Plan your graduation roadmap, work out your semester schedules, and keep track of your progress &ndash; all at one place.</p> <p><a href="http://5dollarposters.com/"><strong>$5dollarPosters</strong></a> &ndash; When it comes to decorating a dorm room, nothing is easier than slapping a giant poster on a wall. $5dollarPosters.com sells high quality, 24&quot;x36&quot; posters for &ndash; yes, you guessed it! &ndash; $5. Even including shipping, their posters are cheaper than any other online retailer. Check out their eBay store for even better deals.</p> <h2>Off-Campus Life: Work and Travel</h2> <p><em>Higher education isn't all about school and study. Many students take advantage of this time to gain work experience or travel.</em></p> <p><a href="http://www.groovejob.com/"><strong>GrooveJob</strong></a> &ndash; The only kinds of jobs you'll find on GrooveJob are part-time jobs, hourly jobs, and seasonal jobs &ndash; exactly what most college students are looking for. Search by city to find jobs near you.</p> <p><a href="http://www.monster.com/internships-entry-level-college-jobs.aspx?wt.mc_n=monstertrak"><strong>MonsterTRAK</strong></a> &ndash; Get interview prep, career advice, and information on entry-level jobs. You can also search their database for internships and entry-level jobs &ndash; perfect for students and recent graduates.</p> <p><a href="http://www.snagajob.com/"><strong>SnagAJob</strong></a> &ndash; Find part-time (or full-time) hourly jobs that work around your busy schedule. Create your profile, search for jobs, apply, and wait to be contacted by employers. SnagAJob makes it easy for you to connect with top employers across the country.</p> <p><a href="http://www.statravel.com"><strong>STA Travel</strong></a> &ndash; STA Travel provides students with competitive airfare, hotel/hostel, and tour rates for destinations all around the globe. Whether you're going for study, work, or fun, STA Travel makes traveling simple and easy for college students on a budget for money and time.</p> <p><a href="http://www.studentjobs.gov/"><strong>Studentjobs.gov</strong></a> - If you want to work for the U.S. government while you're in school, StudentJobs.gov is the place to go. Learn how to apply for jobs, build your resume, or search their database of over 15,000 employment opportunities.</p> <p><a href="http://www.studenttraveler.com/"><strong>Student Traveler</strong></a> &ndash; The largest travel magazine for college students in the U.S., Student Traveler provides news and guides for students interested in studying, working or teaching abroad.</p> <p><a href="http://www.studentuniverse.com/"><strong>StudentUniverse</strong></a> &ndash; A travel site for students with all things from destination guides to a booking engine, StudentUniverse provides students with the tools to get the best travel deals available online.</p> <h2>Other Ways to Save: Coupons, Classifieds, and Everything Else</h2> <p><img align="left" style="margin: 0 10px 10px;" src="http://static1.killeraces.com/files/fruganomics/imagecache/250w/blog-images/iStock_000002765246XSmall.jpg" alt="" /> <a href="http://www.craigslist.org"><strong>Craigslist</strong></a> &ndash; Probably the most widely-used classifieds service, you can find apartment listings, cheap electronics, part-time job and internship opportunities, and much, much more. Just make sure you review the ads with a discerning eye.</p> <p><a www.studentbistro.com="" href="http://www.studentbistro.com/"><strong>StudentBistro</strong></a> &ndash; Find online deals and coupon codes for everything a student needs. The site is easy to navigate and completely free of charge AND registration.</p> <p><a href="http://www.studentrate.com/StudentRate/"><strong>Student Rate</strong></a> &ndash; Get coupon codes or print coupons for local and national deals for students. You'll have to register if you want to be entered in Student Rate's giveaway drawings or to get notifications when new deals get posted for your school, but non-members can get access to coupons without registration.</p> <p><a href="http://www.studentsavingsclub.com/"><strong>Student Savings Club</strong></a> &ndash; Find the local merchants that offer discounts and deals to students. All you need to do is show your school ID or print a coupon. (Faculty and staff can get most of the discounts, too!)</p> <p><a href="http://www.uloop.com"><strong>Uloop</strong></a> &ndash; A classifieds site that makes it easy for students to buy, sell, and trade with other students at their school. You can also look for jobs or internships, find roommates and apartments, or even join a carpool with others going your direction. All you need is your &quot;.edu&quot; e-mail address.</p><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lynn-truong">Lynn Truong</a> of <a href="http://www.wisebread.com/college/college-resources">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/5-creative-uses-for-a-529-plan">5 Creative Uses for a 529 Plan</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-ways-to-get-student-loan-debt-forgiveness">8 Ways to Get Student Loan Debt Forgiveness</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/10-things-you-didn-t-learn-in-college-but-you-should-have">10 Things You Didn’t Learn in College (but You Should Have)</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/6-places-to-find-cheap-or-free-education">6 Places to Find Cheap (or Free!) Education</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/my-2016-budget-challenge-affording-education">My 2016 Budget Challenge: Affording Education</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training college college students education Wed, 25 Nov 2009 00:20:47 +0000 Lynn Truong 714239 at http://www.wisebread.com Enjoy Lawsuit-free Music http://www.wisebread.com/enjoy-lawsuit-free-music <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/cds_sm.jpg" alt=" " width="268" height="177" /></p> <p>That usually means buying it, of course. And if you think buying music can be pricey, imagine the cost of paying the RIAA off in an effort to stay out of court.</p> <p><a href="http://www.toseeka.com/subject/RIAA">Can I legally download non RIAA music? </a></p> <p class="blockquote">Q: Since the RIAA are the ones suing people over piracy, is it legal for me to download songs put out by non-members of the RIAA over Limewire? go to <a href="http://www.magnetbox.com/riaa/">http://www.magnetbox.com/riaa/</a> and search &quot;In Flames&quot; It says &#39;safe, meaning the label is non-RIAA. So if I download any In Flames song, the RIAA cannot sue me, right? </p> <p>A: It&#39;s only legal if you are given explicit permission by the owner of the song. In fact, if you download non-RIAA music you&#39;re ripping off the artists directly, instead of fat cat music industry execs. Try <a href="http://www.cdbaby.com/">http://www.cdbaby.com/</a> if you want to buy music by independent artists. This way the artist gets most of your money, instead of the crumbs the RIAA feeds them. </p> <p>Two New York attorneys <a href="http://recordingindustryvspeople.blogspot.com/2006/08/free-song-download-weird-al-yankovic.html">have dedicated a blog</a> (albeit a blog that needs a little design work) to chronicling their fight and others&#39; against the RIAA, which as <a href="http://www.p2p-weblog.com/50226711/riaa_lawsuit_setback_defendant_wins_attorney_fees.php">you have probably heard</a>, is mailing out lawsuit notifications <a href="http://digitalmusic.weblogsinc.com/2006/08/07/the-riaa-vs-john-doe-a-laypersons-guide-to-filesharing-lawsui/">left and right these days</a>. <a href="http://www.eff.org/IP/P2P/riaa-v-thepeople.php">Not that this is new</a> or anything. </p> <p>The lawyer&#39;s blog site includes <a href="#liberated_music">links to music sites</a> that do not fall under the RIAA cartel&#39;s influence. You can support artists directly buy purchasing music from these kinds of sites.</p> <p>In case you care to <a href="http://gizmodo.com/gadgets/home-entertainment/putting-our-money-where-our-mouths-are-boycott-the-riaa-in-march-239281.php">boycott the RIAA</a>, <a href="http://www.riaaradar.com/">RIAAradar.com</a> allows you to sort the indie music from the music that is released by <a href="http://www.riaa.com/news/newsletter/022807.asp">RIAA members</a> (members include Sony, RCA, Epic, and other huge names that you probably know).</p> <p>None of this is meant as an endorsement or... whatever the opposite of an endorsement is... towards the RIAA or people who download music illegally or big-time artist sellouts or anything. I don&#39;t do a lot of downloading, so I don&#39;t have a dog in this fight, although I find the <a href="http://gizmodo.com/gadgets/riaa-boycott/riaa-tires-of-suing-babies-and-elderly-moves-on-to-paralyzed-stroke-victims-244108.php">RIAA&#39;s tactics heavyhanded</a>. But since I work for an industry that is big on DRM, I know how companies and corporations feel about piracy.</p> <p>And what blog about music wouldn&#39;t be complete without a link to <a href="http://www.myspace.com/weirdal">Weird Al</a> (who is always somehow simultaneously at the cusp of, and yet right behind, the Zeitgeist) who recorded a song that you are <a href="http://www.dontdownloadthissong.com/DDTSecard.swf">supposed to download</a>, called, appropriately, &quot;Don&#39;t Download This Song.&quot; Reverse psychology at its best? </p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/enjoy-lawsuit-free-music">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-6"> <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/5-steps-to-take-when-you-get-sued">5 Steps to Take When You Get Sued</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/legendary-rock-band-radiohead-charges-whatever-you-want-for-latest-album">Legendary rock band Radiohead charges &quot;whatever you want&quot; for latest album</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/trent-reznor-giving-away-new-nine-inch-nails-album">Trent Reznor giving away new Nine Inch Nails album</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/15-things-you-can-do-with-a-credit-card-besides-buy-stuff">15 Things You Can Do With a Credit Card Besides Buy Stuff</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/how-to-get-mugged">How To Get Mugged</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks artists college students copyright Infringement download DRM John Doe lawsuit lawyers music piracy pirated music recording industry RIAA Wed, 14 Mar 2007 20:23:44 +0000 Andrea Karim 350 at http://www.wisebread.com