Author Archives: Stefanie Weisman

Law School Costs (Infographic)

Posted in careers, college, education, going to grad school, school by

Intro by Marcela De Vivo.

Graduation, whether you’ve just earned your bachelor’s degree or master’s degree, is definitely a major accomplishment. While pursuing higher education can bring some great benefits, it can be a huge financial investment and at times a burden. For this reason, students should really think about how they plan on paying for college or graduate school. Trying to find financial aid for school can often turn into a full time job; as more and more grants and scholarships see their funding reduced, students are forced to look into more accessible forms of financial aid like student loans. More advanced degrees such as a J.D. tend to cost even more. In 2013, the average law school student graduated about $124,000 in debt. Although the costs of education can be high, it’s still a worthy investment, as statistically college graduates earn significantly more than those without degrees — and the higher your degree, the more you earn.

Paying for school can seem intimidating and challenging, but with smart saving and budgeting skills, finding funds for a degree can become the least of your worries. Student loans can be a time-saving way to find financial aid, but students should always compare and research different loans to find the ones that have the best interest rate and payment plans. To get a sense of just how much grads can end up paying for law school, and to learn some money saving tips that can help you get rid of student debt quickly, check out this infographic on law school costs.

Source: CedarEdLending

You need great grades to get into law school.  Order your copy of The Secrets of Top Students today!

5 Budgeting Tips For High School Seniors Getting Ready For College (Guest Post)

Posted in careers, college, education, high school, money by

Dave Landry Jr. is a financial consultant and economist dedicated to blogging and the creation of infographics in his down time. He has two young daughters who will be graduating from high school before he knows it, and will be sharing these budgeting tips with them as well. He hopes you find these tips useful for your own pre-college budgeting, or if you’re a parent, will give some of this advice to your children.

Congratulations, you’ve made it through high school! As you get ready for the next big step, it’s important to learn real world skills that will help you transition not only from high school to college life, but also from college life to the world beyond.

Budgeting skills are important in everyday life; learning how to manage your money before you’re on your own in college will keep you from overspending and finding yourself deep in debt. Below are some budgeting tips that will help you get started on to that path to financial security.

1. Learn to track your spending. The first step to creating a budget is to document everything you spend money on or buy. Whether you stick with an old-fashioned notebook and handwritten lists or choose to download spending tracker apps for your smartphone, track everything you spend for at least a month. It doesn’t matter if it’s as small as a pack of gum or a soda from the vending machine at school. While not strictly necessary, it would be good to include notes on your spending behavior, like how you paid for it, where you bought it, and why you bought it.

After a month’s documentation, you’ll have a better sense of where your money is going. If you use apps or a spreadsheet, you can quickly see how much you’ve spent on entertainment, car expenses, clothing, food, and school-related purchases. This will form the base categories of your budget.

2. Learn to develop a budget. Once you’ve established where you spend most of your money, start to set up a budget. The budget will consist of the major categories established during your spending, and will include a space for savings, emergencies, and income.

Ideally, you’ll create this budget on a spreadsheet, or using one of the free online budgeting tools or apps. Once you graduate from high school and enter college or the workforce, your budget categories will change and shift; using a malleable system allows you to customize and adjust as needed.

Establish spending maximums so that your spending doesn’t exceed your income.

3. Pay yourself (start saving). One of the important categories in your budget should be a savings account. Even though interest rates on savings accounts are low right now, putting money in the account is more about the practice and the act of creating an emergency fund, than it is about making your money work for you (even though it is a good idea to start thinking about investments and interest rates).

Whether you’re saving for a rainy day, or towards a particular big purchase like a post-graduation trip or a new car or college, getting into the habit of “paying yourself” and including it on your budget will serve you well in your adult life, when you won’t necessarily have alternative sources of financial assistance.

Learn to prioritize within your budget by putting money in your savings account before you spend any of your income or allowance on entertainment.

4. Figure out financial aid, student loans, and other means of paying for college. Most families will need to rely on financial aid and student loans to pay for school. As you, the student, will need to start paying back the loan as soon as you graduate (up to a six month grace period, or possible deferment if you are going to graduate school), it’s important that you learn as much about your options before taking out the loan. Don’t borrow any more than absolutely necessary for tuition, room and board, and other essentials.

5. Get a summer job. Now that you have a sense of your expenditures, and can project how much you need in order to fulfill all your bills and other costs, you need to start bringing in income. If you’re not already working a part-time job of some sort, consider getting one in the summer between high school and college. Previous work experience can help you get a coveted college job, which will help with bills that the student loan doesn’t cover.

Keeping to a budget isn’t as boring or challenging as it may seem. These are necessary skills that can translate into an opportunity to study abroad, buy that dream car, or have money on hand for an emergency, which greatly reduces stress in the long run. Learning to manage your money is a skill you’ll use for the rest of your life. You can also consider obtaining your education online through affordable programs that offer equivalents of in-classroom learning and degrees. Online degree programs also allow students to pursue their education at their own convenience, allowing them to work full-time to support themselves or a family if need be.

Now that you’ve got your budget under control, it’s time to focus on your grades.  Order your copy of The Secrets of Top Students today!

Preparing for an Opportunity to Teach English Abroad (Guest Post)

Posted in careers, college, education, high school, school, travel by

Jeremiah Jordan is a teacher-turned-entrepreneur who blogs about business solutions.

When you teach English to a citizen or a child in a developing country, you can actually increase that person’s earning power by an average of 25 percent, according to The Guardian. In fact, your volunteer teaching efforts might actually make the difference between that person barely scraping by for the rest of his life or having a job with a promising future. While it’s almost certain that you could make more money teaching English in a first-world country like Japan or South Korea, the satisfaction that you’ve actually made the planet a little better by teaching in a developing nation may be worth more than cash to you.

Children and education, teacher reading book to young students

Program Options

Unlike many other volunteer efforts that can be completed in a one, two or three-week time frame, English teachers are typically asked to make a commitment of a semester — about two months — to a year or more. For example, WorldTeach has teaching opportunities of various lengths, including year-long positions in India and Costa Rica, six-month-long semester positions in Ecuador and Namibia, as well as eight-week-long summer positions in China and Morocco, according to WorldTeach.org.

Preparing for Your Trip

Being away for the length of time required by most teaching jobs takes quite a bit of pre-trip organization. Unlike shorter volunteer trips where you can just ask a neighbor to take your mail in for a week, being away for several months means taking care of the following:

  • If you rent or own a home and will be going away for several months or more, decide whether or not you want to sub-let your abode. If not, you will have to arrange for someone to keep an eye on your place. In addition, you may have to make special arrangements to pay your mortgage or rent, such as setting up automatic payments from your bank account, as TransitionsAbroad.com recommends.
  • Have your mail stopped or picked up by a trusted relative or neighbor who can open it and inform you of any important information that may require your action.
  • Oxford Seminars recommends appointing your power of attorney to someone you trust in the United States. You never know when you might need someone in America working on your behalf to transfer funds or to represent you in a legal matter.
  • Set up an account with an identity theft or credit fraud protection company. If you are living halfway around the world from your home and you suddenly learn that you have become a victim of identity theft, it may be next to impossible to try to unravel the mess on your own, especially in a developing nation where phone calls could cost you a fortune. Having LifeLock protection can save you a lot of grief in the long run.
  • Determine how you are going to handle any prescription medication that you take on a regular basis. Will you be able to get them through the mail or get a supply that will last you for your entire trip? You may need to speak with both your physician and your insurance company to see how best to handle this situation.
  • TeachAway.com suggests getting health insurance that will cover any of your medical needs abroad.
  • Do your homework on the country that you will be living in and do your best to be culturally aware. For example, if you are a woman who will be living in a conservative Islamic nation, try not to walk around in a top that shows too much cleavage or is too tight.

Want to improve your grades?  Order your copy of The Secrets of Top Students today!

5 Green Careers That Make A Difference (Guest Post)

Posted in careers, college, education, going to grad school, school, science by

If you are looking for a viable career path that will provide both a reliable income and a tiny carbon footprint, you may want to consider entering the green-collar job sector. Not only are these jobs part of a growth industry, but they will help you sleep at night, knowing that you’re doing your part to protect planet earth and the many creatures that live here.

Here are five growing green careers that you may wish to investigate.

1. Forester

If you want to blend a love of physical outdoor work with an aptitude for biology, this may be the perfect career choice. The modern forestry industry involves restoring and conserving forests, transitioning to faster growing species, studying the effects of deforestation on the environment, and actual harvesting. Most foresters require a degree in forestry or environmental studies. And, no. You don’t have to look good in plaid.

2. Solar Power Installers

The whole world seems to be jumping onboard the solar power wagon, causing a great demand for people to work in this field. This job involves installing rooftop solar panels or water heaters. If you love working with your hands, have a construction background, and want to enter a growth industry, this could be ideal. And don’t worry about having to move to the Mojave. Anywhere there’s sunshine, there’s bound to be a solar power installation job waiting for you.

3. Conservation Biologist

If your quest is to save the planet, this career path strives to do exactly that. The Conservation Biologist’s job description is to protect the earth’s ecosystems and protect its biodiversity. With positions available in research, teaching, Government agencies, and nonprofits, this field offers a vast array of possibilities. So, if you love nature and have a degree in Biology, this could be the ideal career choice. You may be the one to save the dwindling bumble bee, or halt the attack of the Asian Carp.

4. Recycler

If you were in charge of your school’s recycling program, are the master of composting, or love to find ways to repurpose refuse, a career in recycling may be your perfect fit. With garbage disposal fees mounting and landfill sites exploding at the seams, recycling is a viable and green alternative to the traditional dump. And jobs in this industry are on the rise with openings for a plethora of educational backgrounds. Whether you want to manage a department in a recycle centre, work the sorting lines, or operate heavy equipment on the landfill site, this industry offers a wide array of green jobs that will help make your corner of the planet a better place.

5. Urban Planner

Urban planners typically work for municipal governments, which makes them attractive to someone looking for greater job security and an opportunity to affect positive change on your local community. Urban planners deal with a variety of areas including mass transit and other transportation concerns, emergency planning, dealing with urban sprawl, and building layouts–ensuring that someone who works in this area will never get bored. If you love constructing computer-generated cities and possess a degree in Urban or Regional Planning, this is your chance to put those skills to use–and help your town decrease the size of its carbon footprint.

If you are intrigued by the idea of entering a growth industry and doing work that you can be proud of, one of these green jobs may prove to be your dream career. So swap your collar of white or blue for one that’s green–and love what you do.

How “green” is your job? Does decreasing your carbon footprint matter to you? Why or why not?

Image courtesy of photos.com.

Kimberley Laws is a freelance writer, avid blogger, and former Education Coordinator at her local recycling plant. She has written on a vast array of topics including WordPress plugins, financial software, social media marketing, and online reputation management. Follow her at kimberleylaws.com.

To get a green career, it helps to get great grades.  Order your copy of The Secrets of Top Students today!

Self-Storage Scholars: An Undergrad’s Guide to Self-Storage 101 (Guest Post)

Posted in college, education, school by

It’s no surprise that college students are one of the largest customer bases for storage facilities everywhere. As an undergrad, the roof over your head is temporary at best (assuming you’re not living at home). It’s not uncommon to be in a different building every year, and since you’re only in classes for nine months out of the year there is an awkward hiatus where you don’t know what to do with your stuff in between moves (and sometimes even when you’re settled, space can be a precious commodity). Storage units are great way to keep your stuff safe and near campus during the summer months, but it pays to know what you’re getting into.

How will you store your stuff this year? (Photo by hoosadork via Flickr)

How will you store your stuff this year? (Photo by hoosadork via Flickr)

What Size?
Storage unit facilities offer different sizes, but a typical one will have a range of units to choose from. The smallest are called “lockers” and are typically about 5’x5’. As a college student, you’ll most likely want to lease a 5’x5’, 5’x10’, or 10’x10’ at the max. Here is a breakdown of what you can expect to fit in these units, so you can better plan your storage needs.

  • 5’x5’: The “locker” size should be more than enough room for someone living in a shared dorm, or even a single dorm. Since dorms typically provide furniture like beds, desks, chairs, and dressers, you shouldn’t have many large items. Get creative and think of it like a game of Tetris, and you’ll be surprised by what you can fit this small unit.
  • 5’x10’: If you have any furniture, bikes, or other larger pieces then you’ll probably want to look at this larger size. Move in the larger items first, then stack your smaller stuff around it if you want to maximize the potential of the space.
  • 10’x10’: By the time you’re a junior you’ll be surprised how many things you’ve managed to accumulate. Upperclassmen tend to leave the dorms and live in student apartments or houses. A 10’x10’ unit should fit all of your furniture and items, providing you haven’t bought any major appliances.

Saving Money
Blah, blah, blah, (insert overused broke college student joke here). Everyone knows college students have little to no money, and while “discount storage units” are never a good idea, there are still some ways to save money. Other than looking out for promotional offers from facilities throughout the year, your best bet is to find some friends and split the cost of a unit. If you follow this route, make sure that you go in with people you can trust and that the facility allows multiple names on the lease, or figure out who will be responsible for the lease. Also be sure that everyone has a copy of the key.

Lock it Down!
Some facilities offer electronic or cylinder locks with the units.  These are the best available, but most of the time you are required to provide your own lock. It is tempting to spend $5 and throw on a cheap combination lock, but you get what you pay for when it comes to security and these are easily broken or picked. Your best bet is to purchase a disc lock. These are very hard to cut or break and they offer pick resistant tumblers. As mentioned above, if you are sharing a unit make sure that everyone who needs a key has one!

Storage units are a great way to keep your stuff organized and safe while you leave campus for the summer, and they can be affordable when you team up with friends.

Jenn Young is freelance writer working with Uncle Bob’s. She is passionate about beautifying her home and she currently writes on anything and everything related to storage and organization!

Want to improve your grades?   Order your copy of The Secrets of Top Students today!

Six Reasons Why Art is Essential to Education (Guest Post)

Posted in art, careers, college, education, getting better grades, high school, humanities, liberal arts, school by

Vera Marie Reed is a writer who has written several articles for education and career sites. When she is not spending her day reading a new book or writing, she loves getting her creative juices flowing by trying new artistic hobbies such as photography or painting.

Recently, education has been subjected to government budget cuts.  A smaller budget leads to huge cuts within the schools, including teacher’s supplies, extra curricular activities, and classes not deemed essential. Unfortunately that means that many schools often opt to cut art education, including music, dance, and art classes. Although many school officials may not see art classes as an important part of a well-rounded education, students get significant benefits from all forms of art.

education 1

1. Students Develop New Skills

When a student wants to learn photography, painting, sculpting, or other types of art, they aren’t just learning the skills of that particular talent. Students also learn to think creatively, which is a skill that can transfer to other subjects. They become more descriptive and imaginative when writing essays. Art students also develop critical thinking skills which are important while learning math and science.

2. Motivation for Students

Getting kids to stay in school has always been an issue. They don’t feel motivated to go to class and learn things they don’t enjoy or think will be applicable to the real world. That’s why it’s important to allow them to explore subjects that are not only fun, but inclusive to all types of personalities. Students who are involved in art classes and extra curricular activities often find more drive for going to school every day.

3. Students Get An Outlet for Self-Expression

To say that young people, from elementary to high school students, have a lot of emotion would be an understatement. So many students feel the stress of needing to be successful at school, along with the pressures of fitting in with their peers. Without a proper outlet to express these feelings, they can end up feeling negatively about themselves and their school experience. However, art classes and extracurricular activities are the perfect outlet for self-expression.

4. Students Improve Test Scores

Those who are involved in art classes and extracurricular activities have been known to have higher test scores, better school attendance, and more recognition for academic achievement. According to a 2010 study, students who took art and music classes were much more likely to score high on the math, writing, and reading sections of the SAT. The better performances on the various subjects also correlated with these students attending highly rated universities.

5. Preschoolers Develop Important Skills

Preschool-aged students are essentially still learning their most basic functions. Students who take part in art and music activities from a very young age can develop spatial perception, critical thinking skills, and better communication. These are all skills that are vital for the growth of any young person. Just by allowing them time and materials for art every few days, you can ensure that these young students are gaining the skills they need in school and life.

6. Promotes Independence in Students

Art is one of the subjects that require the most independence. Through the self-expression and creativity involved in artistic endeavors, people learn to be more independent minded. There’s no homework to copy or test answers to memorize. Therefore, every piece of art they create is completely original and part of their individual growth.

Art in education is floundering due to budget cuts. However, the skills and emotional growth acquired through art is irreplaceable. For many students, the lack of art in school may mean cutting their path to success.

Give yourself the gift of great grades.  Order your copy of The Secrets of Top Students today!

 

Travel Adventure #1: Playing Dead in Montmajour Abbey

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Stefanie Weisman's avatarGlimpses of Paradise

Call me morbid, but I love old cemeteries.  They’re so peaceful, so spiritual, so, well, otherworldly.  I can spend hours looking at  tombstones and reading the inscriptions, thinking about how the people lived. 

My all-time favorite cemetery is the one I came across unexpectedly at Montmajour Abbey, a huge medieval monastery outside of Arles in France.  There aren’t any bodies there now – they were removed long ago.  When I first saw the large holes cut into the rocky outcrop outside the abbey, I didn’t know what they were.  Then I realized the holes were vaguely human-shaped, with angular cuts for the shoulders and head.  My thoughts went something like this:

“Oh my God, those are tombs cut into the rock.”

“Wow, they are hundreds of years old.”

“It’s strange that there’s nothing covering them.”

“Since there’s nothing covering them, I should probably get inside one right now!”

And that’s…

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4 Ways to Survive School Even If You Don’t Have a Time Machine (Guest Post)

Posted in college, education, getting better grades, grades, high school, study skills, writing by

Alexandra Harmening is a recently graduated writer who loves avocados and is currently living 365 Days of Pride and Prejudice.

While trying to squeeze my undergraduate degree into three years, things often seemed more than a little bit hectic. I frequently informed professors that I was working on discovering how to be in two places at once. But that one never really panned out.

Sometimes it is hard to keep your sanity as a student. From homework to internships to some semblance of a social life squeezed in between, the undergrad years brim with busyness. Fortunately, there are four healthy habits that can help students survive school and still succeed, even without a time machine.

The author giving her valedictory speech.

The author giving her graduation speech.

1. Jumpstart Projects

One of the only ways that I made it through school with my grades intact was starting papers and projects as soon as they were assigned. For my senior these this meant breaking ground on research six months early. For end of the semester papers, this typically meant checking out resources from the library during the first or second week of school.

Working ahead is probably the inverse of a common collegiate plague called procrastination. Where procrastinating leaves you sleepless and stressed for the last month of school, completing projects ahead provides time for editing, sleeping every night, meeting to consult your professor, time to print out the paper and freedom from stress during finals week. (In fact, finals week used to be my favorite because by then everything was almost wrapped up—well, except for exams. Sound crazy? I dare you to try it.)

2. Sleep  

“There’ll be time to sleep when we graduate,” friends and I would tease as we typed furiously. Unfortunately, sleep is easily overlooked in the long list of assignments to check off during the day. But most of the time, it is easier to pause in the middle of a project, go to sleep and wake up with a fresh brain and new ideas in the morning.

Complex brain functions such as updating working memory, planning, attention, sense of time, dealing with novel situations and verbal fluency are dramatically affected by sleep-deprivation because the brain is forced to overwork, notes Jim Horne, PhD, who directed a sleep research laboratory at England’s Loughborough University.

“Sleep deprivation is bad for your brain when you are trying to do high-level [thinking] tasks” confirms University of California, San Diego researcher and author Dr. J. Christian Gillin. And sleep deprivation “may have serious consequences both on performance and on the way your brain functions.”

The lesson here: sleep is probably more valuable than we give it credit for being as college students. And in some cases, the key to success on that test tomorrow morning might actually be crashing on your pillow rather than enduring a caffeine induced all-nighter.

3. Know When to Say No

The trickiest thing about college for me was all of the amazing opportunities that sprang up each and every week. I wanted to grab them all in case it was the last time anyone ever asked me to be on the library committee or go on a hike or play in the pit orchestra for the spring musical or work as a part-time tutor or join student government or go out for coffee or—you get the picture. But one of the greatest life lessons that you can start learning while still in school is when and how to say, “No.”

Not to sound like a homework Nazi because it really is important to work towards a balanced life with fun activities and breaks, but there are too many possibilities to answer yes to them all. Unless, of course, you have a time machine.

Identifying your goals for coming to college is a realistic way to begin checking your list of commitments and deciding what are valuable priorities and what can actually be cut. This might be painful, and it doesn’t mean that you can’t ever be involved in amazing and enriching extracurriculars. It just means that you can’t be a member of every single school club or work three and a half jobs while taking 18 units. 

 

4. After a Hard Day of Writing, It’s Good to Write Some More

When you’ve spent the last seven hours writing, memorizing, reading and then writing some more, it is great to relax with a little more writing. Yes, that does sound crazy, but if you are a writer, then you probably know what I mean.

The idea here is to make time for your passion because sometimes, in the midst of pursuing a degree in the subject you love, it becomes easy to forget why it matters and what there is to like about it.

For me, this manifested itself in scribbling out thoughts for my own blog once a week called My Year with Elizabeth Bennet. It was a great way for me to unwind and process while remembering why I was majoring in English.

Now, an engineering major might feel that sitting down to write is one of the most stressful activities I could suggest. But taking an afternoon to pull apart a VW Bug and then reassemble it on the roof of the dorm building might sound amazing. Finding a creative outlet, one that won’t be graded by your professor at the end, is a positive way to unwind and rest. It’s any kind of practical return to your first love that you can invent.

There is probably no one formula for success that any student at any school can download to automatically work. But remembering the basics or sleep, planning ahead, setting priorities and returning to your interests will hopefully help you to find an efficient balance for your college years. And maybe after graduation, you will have developed the skills to start building that time machine.

Give yourself the gift of great grades.  Order your copy of The Secrets of Top Students today!