Category Archives: careers

5 Smart Budgeting Strategies for College Students (Guest Post)

Posted in budget, careers, college, education, money, saving money, school by

By Robert Carr. Robert writes full-time for small business, finance and car repair how-to sites.

Some believe the most valuable life lessons are learned in grade school, like being polite, the importance of sharing, and always looking both ways before crossing the street. Others believe critical life knowledge comes from years spent in middle school and high school—useful skills like navigating diverse social landscapes and putting a winning wardrobe together.

College, though, is really when experience comes fast and furious: when you are on your own for the first time, interacting with new classmates and faculty, and completely in control of things such as when, where, and what you eat. Unfortunately, this level of independence can be a challenge for modern college students who enjoy having their own place but may not be ready for adult commitments, including paying the electric bill or creating a grocery budget.

In addition to be being prepared for the rigors of academic life, you’ll need solid financial habits while in college. Master these, and you’ll be the big man or woman on campus. If not, you’ll have a tough time and maybe, gulp, have to head back to the “real” world where your parents set the rules, budget and dinner menu.

College Planning

Here are five strategies for students to manage money while in college:

  • Paperwork is vital, whether you keep actual receipts or use software. This tells you not just how much you’re spending but what you’re spending it on. Bank of America’s Money Management site suggests keeping detailed track of everything for a couple of weeks, then comparing this to income from any jobs, parents, loans or other sources. The difference will be your general budget.
  • Be disciplined. Debt.org, a site dedicated to helping people of all ages reduce costs, reports that it’s not hard to create a budget on paper, but a bigger challenge is having the self-discipline to keep to it. This may mean forgoing regular nights out with friends, or watching TV and making a meal on a Friday night instead of going to dinner and a movie. Your financial institution may even have online or printable templates to help illustrate your planning in action.
  • Be flexible. Though you will have fixed costs like rent and tuition, you’ll have other varying expenses, like your utility bill. Beyond this, you’ll have other unexpected costs that need to be absorbed into your budget, such as repairs to your computer or car. Wells Fargo’s online student budget section points out that you should be ready for everything from a rise in the rent to approval for extra financial aid.
  • Look for ways to save. There are plenty of creative ways to reduce day-to-day costs. See if merchants in town offer a college discount. Consider a roommate or roommates to split costs. Check into ways to combine services, such as bundle.tv that offers Internet, TV and phone service for one monthly price—an attractive option for frugal students who still want all three services.
  • Learn effective credit habits. Creditcards.com suggests paying bills on time, using a credit card for emergencies and then paying it off quickly. Such behaviors will help you build good credit and minimize debt later in life.

Now that you’ve got your budget under control, learn how to maximize your GPA with The Secrets of Top Students.  Order your copy today!

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!

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!

 

GRE vs. the GMAT: Which Should You Take?

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

By Marcela De Vivo
Whether you’re still clutching your newly minted diploma, or have been in the workforce for a decade, getting a graduate degree can be a smart career move, especially in the world of business. If you’re looking to earn a Master’s or MBA, more standardized testing is in your near future. The GRE is required for most graduate school programs, but the GMAT is more likely to be the test needed for MBA programs. There are other major differences between the two tests, so pick one that suits your strengths. These tests are also much pricier and involve even more studying than the testing required for undergrad applications, so most students don’t take more than one. Make sure you pick the right test to help you get into the graduate program of your dreams.

This infographic by BenchPrep Inc. can help you decide between the GRE and GMAT. If you’re planning on getting an MBA, make sure that the schools of your choice will accept a GRE instead of a GMAT, as not all schools accept GREs in place of GMATs. If you have stronger math skills than writing ability, the GMAT may be better suited to your proficiencies. Take a look at the major differences below.

benchprepgre

You need great grades to get into grad school.  The Secrets of Top Students can help you get there!

Going the Distance…From Your Living Room (Guest Post)

Posted in careers, college, education, school, writing by

Will Bankovich, freelance blogger for Study2U.com and full-time dad, wants to be Bill Cunningham when he “grows up”.

My three-year-old is crying, the cat just barfed on the carpet, spaghetti is bubbling over onto the stove and, in the midst of all this, I’m on the phone with a shady mechanic trying to get quotes on a new alternator so I can make it to work this week. The last thing on my mind is “Gee, I should really go back to college”. But maybe it should be.

Are you a single parent thinking about going back to school? (Photo courtesy of Kevin Cawley via Flickr)

Are you a single parent thinking about going back to school? (Photo courtesy of Kevin Cawley via Flickr)

 

A 2010 National Poverty Center press release reports that over 31% of families headed by single individuals were under the national poverty line. This is by far the poorest sub-group in the country, without factoring in ethnicity. Naturally, this statistic leaves out some vital factors: assistance such as food stamps, Medicare/Medicaid, employer-provided insurance and other subsidies/social services. Including, most importantly, that life with low-to-modest wages does not equal a deprived life for you and your kids. Small budgets can lead to creativity. You can be penniless and still build a life of love.

However. When you’re trying to take care of your family, higher learning equals higher earning. The statistics on this are well-known facts. Those in possession of a college degree are making more money. Fortunately, there are many, many resources out there for non-traditional students. I saw an article not too long ago focused on “the best fields of study for single parents”. Nonsense, I say! The best area of study for anyone is whichever career they want to go into. Period.

Distance learning is obviously a popular option for those with priorities at home. Online courses cover basically every area of study, are beamed right into your living room and tend to be cheaper than most standard colleges and universities. You work at your own pace and can probably make your kid a sandwich while you’re taking a test, or work full-time, squeezing classwork into your own spare moments. And forget the commute! You can earn credits in your robe and slippers.

With all the talk of student loans crushing the millennial generation, you’d think financial assistance would be a tough nut to crack. If this is your first foray into academia, Pell Grants are your new best friend (they can only be used towards a first degree). Pell Grants can be combined with other types of funds, and there are no restrictions on the number of scholarships you can apply for. If there’s any money left over the refund goes to you, to help out with other expenses.

The last thing to consider is the example you’re setting for your kids. Afraid they’ll see you pulling out your hair trying to juggle your job, a brand new course-load, being a good parent and well…life in general? Rest assured, you’re illustrating the importance of education to those kiddos. Not just school, but life-long learning and the pursuit of passions. And that’s just about the most important trait you could hope to instill.

No matter what type of student you are, The Secrets of Top Students can help you succeed.  Order your copy today!

5 Careers You Can Have with a Business Degree (Guest Post)

Posted in careers, college, education, school by

Earning your bachelor’s degree in business could help you jumpstart your career after graduation. Working within a business industry may be an exciting way to put your degree to good use. Here are five potential careers you might have with a college degree in business.

Considering a career in business? (Photo by SalFalko via Flickr)

Considering a career in business? (Photo by SalFalko via Flickr)

Retail manager. So you are considered a fashionista and have a hard time not making a purchase when the shoes sales are calling. If you would like to oversee sales teams and don’t mind working nights or weekends in a retail setting, then a career as a retail manager might be a great career for you. Retail managers might travel frequently, set goals for their team members, try to increase sales, and create training programs. They typically earn around $98,530 a year and the job outlook is supposed to be as fast as average for all careers.

Advertising manager. Advertising managers try to drum up interest in different products, brands, or services. They might negotiate contracts, conduct research in order to plan ad campaigns, and meet with clients to provide advertising advice. At times, they might have to come up with budgets for particular advertising campaigns. They make around $108,260 per year and usually have a minimum of a bachelor’s, in addition to some work experience in the field.

Construction manager. Have you always liked to swing a hammer and been excited about the building process? In the construction field, managers usually earn $83,860 per year and have varied job functions such as coming up with cost estimates for jobs, figuring out about how long each job should take until completion, and even hiring subcontractors and laborers. Construction managers might be called project managers or general contractors because they typically oversee various building projects such as commercial or residential jobs. The job outlook is expected to grow around 17% and is as fast as usual for all careers.

Hospitality manager. You’ve been known to make others feel at home when they visit and you have perfected the role of “hostess with the mostess.” How about a career as a hospitality manager? Hospitality mangers try to make sure that their guests feel comfortable and enjoy their stay. An average salary per year for these managers is $46,880 and most large-scale hotels prefer their hospitality managers to have at least a bachelor’s degree. If greeting guests and answering any questions they may have sounds like a dream to you, then you should look into becoming a hospitality manager.

Management Analyst. Do others tell you that you are organized and efficient? Are you detail-oriented as well? Then a career as a management analyst might be a good fit for you. Management analysts try to come up with ways that a company might run more efficiently. They could look at financial information, create solutions to problems, and make recommendations for improvements. The annual pay is around $78,160 per year and you should have at least a bachelor’s degree for entry-level positions.

Entering into a business related career may be an exciting move for you after college graduation. Sometimes all you need to do to get started is to begin researching potential careers. Read detailed job descriptions, find out what cities offer career opportunities in your area of interest, and speak with a career counselor on your college campus for more information about business jobs that intrigue you.

Pamela Rossow is a freelance writer who works with higher education clients such as eLearners. She is a native South Floridian who enjoys photography, literature, and hockey. You can follow her on Google+.

A great career starts with great grades.  Order your copy of The Secrets of Top Students today!