Moving Off-Campus: What You Need to Know

By Stacy Eden

Moving into your first real apartment or house off-campus is tricky, especially if you spent a year or two in the dorms. For most college students, dorm life is the first time to live without the watchful eye of the parental units. And because you have this experience under your belt, you may be thinking that an apartment is pretty much the same thing, right? Wrong!

Your first apartment or house is a big adjustment, maybe even bigger than adjusting to the dorms. You have roommates, the commute to campus, renters insurance and cooking your own meals to keep you busy when you’re not studying. But don’t worry, we’ve got you covered. Here are the essential hacks every new off-campus student needs to make the transition go smoothly:

Prepare for Moving Day

It’s a lot different than moving into the dorms. For one thing, your parents may not be there to help this time. And while your friends are willing to help if you promise to feed them, don’t rely on anyone to show up out of the goodness of their heart. And don’t expect a rented moving truck to be easy to drive either. If you have big or heavy stuff to move, it may be worth it to budget enough cash to hire movers. It may save you a lot of time and frustration in the end.

Take Inventory of Damages

Take pictures on your phone of every dent and ding in the walls, every little blemish and any other damage in your apartment first thing on your move-in date. Email the pictures to yourself with the subject: security deposit. Landlords are notorious for blaming renters at the end of the lease for small flaws that were already there to keep the deposit. If you have photographic proof that the damage was already there (most camera phones have a photo time stamp), you have a better chance of getting your deposit back.

Get Renters Insurance

Odds are you have some pretty valuable stuff in your new place, like your computer, speakers, TV, musical instruments and gaming systems. Don’t risk what you can’t afford to lose. Get renters insurance — You’ll sleep better at night.

But don’t stop there. Make a list in Excel of all your valuables; include the make and the model, and hang on to the receipt if you can. Also take a picture of where each high-ticket item usually is in your house or apartment. This makes it easier to file a report with police and put in a claim with the insurance company if you need to.

Pay Rent on Time

Late fees kill your summer savings. It can be tough to get that check to the front office or in the mail every month when you have classes, tests and a social life to think about. But this is one place where being late doesn’t fly. Talk to your roomies about setting up direct deposit so you’re not waiting on anyone’s share of the rent to make you late.

Also take a look at your lease before you sign to make sure that late fees are in writing and aren’t totally unreasonable. Nolo has a great legal guide to dealing with difficult landlords and excessive late fees in case you do get yourself in hot water.

Plan Your Commute to Campus

Rolling out of bed and trekking across the quad was probably your longest commute to class last year, but now that you’re off campus, be prepared to face the insane traffic that comes with just about every college campus across the country. Plan extra time to get to morning classes, and you might want to reconsider that 8 a.m. class, as it will probably coincide with rush hour traffic. A bicycle is always an option, but make sure it’s the right mode of transportation for you with this list from Fearless and Loathing.

Stacy Eden is a Phoenix, Arizona native with a passion for art, power tools, and historical significance. She draws inspiration from classic cars, ancient mythological sculptures and jewelry designers such as Delfina Delettrez, Shaun Leane, and Dior Jewellery creative director Victoire de Castellane.

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A College Student’s Guide to Creatively Keeping in Touch

By Natalie Posdaljian

Keeping in touch as a college student is vital for maintaining relationships with family and friends, keeping them in the loop and weaving your home life with your college life. Reliable ways of keeping in touch, such as texts, emails and chatting on the phone, can get redundant and don’t always provide the best insight into your life as a college student. Instead, spice up how you keep in touch with your family back home.

student video chat

Video Chat

Video chatting with a laptop isn’t new to the scene nor is it the most creative way to keep in touch. Expand your virtual horizons with the iPad Air 2, which is thin and light enough to take anywhere. Video chat with your family at a public park in your new town or while you enjoy a much needed caffeine fix at your favorite coffee shop. Or, your family can video chat you when they all get together for a birthday party or Sunday afternoon BBQ. Although you won’t get a bite of the cake, you can still chat with all your aunts, uncles, cousins and grandparents.

Snail Mail

With the speed, efficiency and reliability of technology, it’s understandable why snail mail is a thing of the past. Yes, you have to handwrite your letter, buy a stamp, stop at the post office and wait a couple days for your mail to reach its destination, but that’s what makes snail mail fun. The feeling of checking the mailbox and finding something addressed to you that’s not a bill or advertisement is priceless. Sending snail mail to your family leaves them obliged to write you back, giving you something to look forward to in the mail. You also can throw in a copy of the A+ paper you wrote. Snail mail is especially great for grandparents, who typically appreciate handwritten letters the most.

Vlog

A vlog (video blog) is a unique way to show others what a day in the life of a college student looks like. Whether you keep it private for your family to enjoy or you make it a public YouTube channel, vlogging is in. Model one of your vlogs off a cooking show, with a twist on ramen or PB&J sandwiches. Vlog a tour of your favorite spots on campus, such as where you get your morning coffee, restaurants you frequent, the gym and the library. Or keep it simple and just talk straight to the camera about school, your roommates, professors and anything else that’s on your mind.

Shared Photos

There are so many ways you and your family can share your photos. If you’re looking to keeping it virtual, create a private album on Facebook and make all your family members contributors so everyone can swap photos. Or, use a photo sharing site like Flickr or Photobucket. Take it a step further by sharing developed photos (yes, people still develop photos). Throw just a few photos into that letter you’re sending, or use an app like Groovebook to upload all of your photos for just $2.99 (college budget approved) to send your family a keepsake photobook.

Family Facebook Group

A private family Facebook group is great for quick life updates, such as acing that Calculus exam, or for sharing links to YouTube videos with each other. Having your family in one Facebook group creates a forum full of sharing, likes and comments between the people that matter the most to you. For those statuses or photos you can’t share with your entire following, a private group lets you share your silly selfies or embarrassing stories with those that will love you no matter what.

Author Bio: Destined to be an Armenian housewife perfecting her hummus recipe, Natalie Posdaljian instead chose a life of marine field biology and sriracha. Born and raised in southern California, her veins rush with salty seawater and sunshine no matter where she goes.  When she’s not saving jellyfish from extinction, Natalie is dancing in the shower, knitting on a plane or swinging in her hammock.


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The Move-In Checklist: How to Transition From Dorm to Apartment

By Brian Wilkins

Graduating from college means getting your first real job, buying your own medical insurance and, of course, getting your first real home. Whether you choose to live in an apartment or rent a house, you can prevent any major hurdles with the proper planning. These three tips will ensure the smoothest transition possible.

student

Credit Report

Your payment history and amounts owed on any credit cards and other revolving accounts make up 65 percent of your aggregate FICO score, according to myFICO. If you currently owe on your credit cards, you should prioritize paying them down, particularly if they are close to being maxed out. You also should consider getting a secured card because these types of accounts will minimize the hit your FICO score takes for opening new credit and protect you from potential default.

You need at least six months of on-time payment history to be considered “established” by the credit bureaus and most landlords. Keep in mind, move-in expenses can get pricey, particularly for places that require first and last month’s rent and a deposit. Therefore, now is the time to start saving.

Scouting Report

Just like pictures of restaurant burgers always look better than the actual product, photos of apartments and homes advertised for rent look better than the actual property.

Don’t move into a place based solely on pictures. When visiting potential new homes, check for cracks in the floors walls, and inside kitchen cupboards. These are sure signs of pests like cockroaches or mice. Ask about the neighbors above you and next to you. The longer they’ve lived there, the better. Especially if you want a quiet place, avoid moving into a place with upstairs neighbors with kids or who have had noise violations. You also may want to request a unit on the top floor to avoid some of the noise.

Know your rights as a tenant. Every state has a tenant rights handbook that spells out the limits of landlord access to your place and their handling of maintenance issues.

Moving Checklist

Once you find and visit your new place and sign the papers, it’s time to prepare to move in. Call the local utility company to ensure power is on the day you move in. You also should call your Internet and cable provider ahead of time if you don’t want a delay in service.

Since this is your first place, you probably will need to build up your furniture over time. To start, determine the overall style you want your place to have. Smaller apartments can feel extremely cramped if you buy bulky furniture meant for a house, so you may want to take the floor plan or dimensions with you when buying furniture.

Pierre Josselin, a designer for the Ritz-Carlton Hotel, told fashion website Divine Caroline that first-time renters should splurge on one piece of furniture they love to be the staple of their new place. Whether this is a couch, armoire or something else, this centerpiece can then be complimented with less expensive furniture. A throw rug and new drapes may provide that touch of home and posh feel. Furthermore, think about adding a couple of indoor plants to add a little life to your new place.

The move to a first apartment doesn’t have to be stressful. Keep it simple, stay organized and everything else will take care of itself.

Brian Wilkins is an Arizona State University journalism grad who has worked as a radio broadcaster and banking industry professional. He is an independent journalist, blogger and small business owner who loves life. He lives off-the-grid and has not owned a TV in more than six years.

3 Car Buying Tips For Recent College Graduates

By Brian Wilkins

A report by The Institute for College Access & Success (TICAS) found that nearly 70 percent of 2013 college graduates had student loan debt averaging $28,400, up 2 percent from the 2012 average. Student loan payments are just one of the realities for college graduates entering the real world and trying to figure out the whole budgeting-your-life thing. Leader in the business of all-things personal finance, Intuit shares that transportation should account for no more than 10 percent of your net income, which might not seem like much (especially if you’re just out of college and making a not-so impressive salary), but you can still have a nice and reliable car if you exercise due diligence in the decision-making process.

The following tips will help guide you.

college students and cars

Buy vs. Lease

We all know car commercials; the best ones are those that advertise brand new sports cars with reasonable monthly payments you can actually afford. But after reading (or hearing) the fine print, you learn that the low payments are to lease the vehicle, not buy it. Well then, should you just lease?

Monthly payments are typically lower when leasing and the advantages don’t stop there if you’re the type of person who likes the idea of a new car every three years. This sounds great, especially since new vehicles depreciate in value as soon as you leave the lot (by 9 percent according to Edmunds). Then after one year of owning the vehicle, its market value drops to 81 percent. Thus buying a new car is a bad investment on the surface, right? Well, not in the long-run.

Owning a vehicle means no monthly payments and lower insurance premiums if you decide to switch from full coverage to liability. Modern cars, particularly Honda and Toyota models, are known to last well into the 250k mile range and even higher with proper maintenance. Leased vehicles also have mileage limits and, upon the end of the lease, you are responsible for any damage deemed excessive to normal wear-and-tear by the dealer.

New vs. Used

The 2015 Auto Financing Report by personal finance social network WalletHub found that interest rates on both new and used cars are lower than they’ve been in several years. But not all loans and interest rates are created equal.

New cars provide peace of mind: you are the only owner, so no secrets as to where it’s been and, should something happen, you have a warranty to cover most major mechanical issues. Auto loans underwritten by the manufacturers had interest rates 35 percent below the average and financing via credit unions had rates 25 percent below the average. National and regional banks offered rates at or well-above average in most cases.

Used cars are, of course, less expensive and have already endured the bulk of value depreciation, which happens in the first few years on the road. Financing a used car is also much easier in most cases and much like student loans have income-based repayment plans, there are financing companies like DriveTime that offer customizable payment plans for all budgets. Used cars typically have lower insurance premiums and you may even be able to negotiate a used car warranty if you know your options.

If possible, purchase a certified preowned car that has been thoroughly inspected by the manufacturer. Some used cars companies offer third-party extended warranties, but make certain you thoroughly understand the terms before paying extra for it.

Credit Fixes

A subprime auto loan, those underwritten for customers with FICO scores of 650 or lower, is something to avoid altogether. To put it in perspective, a $20,000 four-year auto loan with a 3 percent prime rate will cost you only $1,248 in total interest. That same loan at an 18 percent (subprime) rate will cost you $8,200 in interest .

Obtain a copy of your credit reports from the three major bureaus. Your payment history and amounts owed on open accounts make up 65 percent of the aggregate FICO score. Pay down credit cards that are at or near the limit to quickly improve your score. It’s best to pay down/off the oldest accounts first, as length of credit is also factored into your score. A minimum credit score of 700 should be the goal before considering an auto loan at all.

The test drives and haggling with salesmen are the fun parts of buying or leasing a vehicle. Just heed all the aforementioned to get the best deal and make the right decision for what you need and what you can afford.

Brian Wilkins is an Arizona State University journalism grad who has worked as a radio broadcaster and banking industry professional. He is an independent journalist, blogger and small business owner who loves life. He lives off-the-grid and has not owned a TV in more than six years


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Valentine’s Day for Students: When to Splurge & When to Save

By Alison Stanton

Valentine’s Day is the most expensive holiday after Christmas, the National Retail Federation reports. Love birds across the country will spend a collective—are you ready?—$18.6 billion on gifts for their special someones. That averages out to about $130 per person.

For high school and college students on a tight budget, spending $130 on their sweetie is simply not possible. Although there are no hard-and-fast rules to how much you should spend, the following tips can help you decide when you should splurge and when you should cut back.

college couple

Take an Honest Look at Your Relationship

So how’s it going? If you two argue more than you get along or are spending less time together, this might not be the time to present some huge and spendy gift. Have an honest talk with your boyfriend or girlfriend and discuss how you’ll celebrate it, if at all. Maybe in the interest of saving money, you’ll just treat it like a regular day. You could also decide to exchange nice cards and maybe a small fun gift like his favorite candy bar or her favorite blended coffee drink.

Think About How Long You’ve Been Together

If you’ve been dating for a few short weeks, treat Valentine’s Day a bit more casually than if you have been going out for a few years. Again, an open and honest approach is the way to go with someone you haven’t known that long—simply say you aren’t sure how to deal with a day that expects you both to act like crazed lovey-doveys.

On the other hand, if you have been together a while and are in love, it’s appropriate to spend a bit more on Valentine’s Day. You don’t need to take out a loan or rack up a huge credit card bill, however. Ask some of your closest friends who are in similar relationships what they expect to spend and see if it correlates with your budget and gift ideas. If your girlfriend of two years has been dropping hints about how much she would love to receive flowers at work, you could certainly splurge a little on that. For example, FTD sells a variety of beautiful Valentine’s Day arrangements that are in the $40-$50 range. Other gift suggestions for couples who are in solid and loving relationships include dinner out at a favorite restaurant and then watching a movie together all snuggled up on the couch, a nice wallet or purse that your sweetie has had his or her eye on, or a pair of designer sunglasses.

Decide Where and When to Celebrate

Between classes, jobs and other responsibilities, it might be challenging to celebrate Valentine’s Day on Feb. 14. If you do decide to celebrate with your sweetie, figure out ahead of time when and where you’ll get together. Above all, try not to feel like you have to spend a certain amount just to get through the day—just be honest with yourself, your sweetheart and your wallet, and the day will go a lot smoother.

Alison Stanton has been a freelance writer for the past 14 years. Based in the Phoenix, Arizona area, Alison enjoys writing about a wide variety of topics, but especially loves meeting interesting people and telling their stories. 

Top Ways Being a Student Can Save You Money

By Roxy Barnes

It’s been said before and it’s true. College will leave you with a lifetime of memories. But if you’re not careful it will leave you with nearly a lifetime of debt. That is why students should take advantage of the discounts available simply for being students.

And they are everywhere. Many of these discounts are often listed on your school’s site. But don’t limit your search to just that. By putting your Internet skills to work, you can find discounts on nearly everything you’ll need, and some you wouldn’t expect, like this student carpet cleaning discount.

But that’s not all.  Let’s start with a big way to save money in school – scholarships.

Saving-MoneyScholarships

Paying for college is the top concern for the vast majority of college students. Many students may not realize this, but universities often have long lists of private scholarships from businesses and organizations listed somewhere on the financial aid section of their website.

Private scholarships come from every corner of the marketplace and often vary widely in their requirements for entering the scholarship contest. For example, this Halloween costume site offers a cash scholarship for designing a Facebook Cover image for their home page. If you’re more expressive in words, many businesses only require a 500 word essay (or less).

Most of these scholarships aren’t particular about what school you attend. So if your school doesn’t offer very many outside scholarships, check out the pages of some larger universities.

Books and Supplies

Way back in the day students had to buy all of their books from the university bookstore. You paid whatever price they charged and sold them back to the same store when you were done for next to nothing. Talk about buying from the company store – ouch! (Sometimes the good ole days were not so good.)

Now you have choices aplenty for buying your books and supplies. Online sites like Bookbyte.com open up the marketplace so you can shop around for the best deal. Don’t forget to check if your book is available as an eTextbook and save even more.

You probably already realize the savings you can get on software purchases with a student discount, but do some searching for student discounts on computers, tablets and other electronic devices.

Everything else

If there is a product or service that a student can use, you can bet some company is offering a discount on it. Businesses aren’t just doing this out of the goodness of their hearts, they are hoping to win your loyalty now and keep using them for years to come. So even if you don’t see a student discount advertised, don’t hesitate to ask if they have one. What’s the worst they can say?

Even storage companies are getting in on the game, offering student discounts on storage units over summer break. The list goes on, including companies like AmTrak, hotels, clothing stores, even credit cards offering discounted student rates.

If you think searching for student discounts on everything could turn into a time consuming obsession, there are a number of sites that are doing the searching for you. One of the more popular sites is Student Universe. They not only help you find deals on travel and lodging, but have categories of discounts ranging from clothing to food and health.

College is expensive. If you can use your student status to save a few dollars here and there, over the course of a college career the savings adds up. Don’t let that money go to waste. That way, when you look back on your college years, hopefully all you’ll have are great memories, not ones tempered by the specter of debt.


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The Basics About Financing Higher Education

By Mathew Jade

Education costs have grown rapidly over the years, and students are finding it increasingly difficult to manage their finances. Funding for education is a challenging task, particularly for high school students who want to attend top-notch universities and unemployed individuals who wish to pursue different lines of work. Instead of settling for mediocre alternatives, you can still aim big by paying for your education in the following ways:

money picture

Education Grants

You may consider applying for financial grants for educational purposes. Students can acquire educational grants from the financial aid office of their universities. The best thing about grants is that you don’t have to pay them back. The only hurdle is qualifying — which isn’t necessarily easy.

Scholarships

Excellent high school students are frequently awarded merit-based scholarships, which also do not need to be repaid. The qualification for these scholarships varies, but often requires the student to have great grades and high scores on scholastic aptitude tests.

Work-Study Employment Plans

Some students work on a part-time basis to generate funds for their education. To this end, you may consider applying to your university to see if employment opportunities are available. The U.S. Government currently provides a 60 percent wage subsidy to employers of students engaged in work-study programs.

Internships and Trainings

On-the-job training opportunities and internships may allow you to to combine class attendance with full-time work. Although internships do not provide big financial compensation, they do allow students to gain practical experience, enabling them to decide about their major and possibly resulting in a job offer from the company they worked for.

Private Loans

By requesting private education loans from your friends and family, as well as from various other private sources, you may be able to cover hefty fees and pay them back in installments. Student loans can usually be arranged at either fixed or compound interest rates, which normally require a financially sound co-signer and a credit check if the loan provider is not satisfied with or unaware of your credit history. Many people believe that it is nearly impossible to repay students loans, but that’s not true; there are organizations that provide counseling for students to help them with their repayment structure.

Tax Breaks

Students may be able to get tax deductions in addition to credits towards tuition, costs, fees, and interest from student loans. However, these options are only available after paying tuition fees, and are more like rebates than discounted tuition. You can learn more about education tax breaks on the internet at government tax sites. Families can also qualify for tax breaks for their children’s education.

Mathew Jade is a passionate blogger who loves to write on Economics and finance-related topics. For further updates follow @Mathew_Jade

 


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How to Make a Fashion Statement on a College Budget

By Alison Stanton

As a college student, you probably feel like you figuratively wear many different hats on any given day. There’s your “in class” hat, your “trying to impress the professor during my oral presentation” hat, the “hanging out in the dorms” hat, and, the ever-popular “heading to my first-ever real job interview” hat.

The trick is to create a stylish wardrobe versatile enough that you’re ready for all of these different situations, without spending a zillion dollars or needing a closet that rivals Ivana Trump’s. Fortunately, it’s more than possible to assemble a fashionable fall wardrobe that won’t require you to take out a massive loan. Here’s where to start.

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Auto Maintenance Basics Every College Student Should Know

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You looked forward to the freedom that moving away to college represented, but you didn’t consider how many sacrifices you’d also have to make in the name of independence. Grocery shopping, laundry and taking care of your own auto maintenance were all things that you had completely taken for granted. While this newfound freedom is totally worth all of the extra responsibilities, there’s a learning curve to it all.

Here are the auto maintenance basics you need to know to prevent getting stranded on the roadside and keep your vehicle running well.

car maintenance for college students

Taking your car to college? Here’s what you should know.

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Yes, It’s Possible. Decorate Your Dorm Room on a Budget

By Stephen Collins

When headed off to college for the first time, there’s nothing more exciting and scary than getting your very first dorm room. Moving away from home, meeting and making new friends, even possibly sharing your living space with a roommate; all of these things can make a huge impact on your college life. But, the unfortunate truth is that most college freshman don’t have a huge budget for anything beyond school supplies and basic necessities. So, the question becomes, how can you decorate your new living quarters on a budget?

dorm room

Rearrange

It may sound small, but doing something as simple as changing the arrangement of the current furniture can have a huge impact on the room. Dorm furniture is usually pretty sparse, so moving things into a non-standard layout can both mix things up and create a unique flair and unexpected space. For example, try pushing beds against the walls instead of sticking into the middle of the room to make extra floor space.

Multitask

Dorm rooms aren’t known for their space. One of the best ways to overcome this deficiency is to make sure that nothing in your living area is just one thing. The back sides of doors make great storage spaces as do the spaces below beds. Companies like DormCo specialize in making the most of all the space in your dorm closet with items like hangers and shelf liners. For additional storage in the corner or under the bed, Dorm Trunks has a variety of trunks that can provide storage, security and—with a little design and creativity—additional seating.

Accessorize

Nothing is more boring that white walls, bare windows and plain floors. Consider mixing things up with a unique rug from Dorm Rugs. Add posters, pictures or easy-to-remove wallpaper to cover plain walls. Or, pick up custom blinds from The Shade Store to add add a personal flair to your windows. These also can provide lighting control and privacy for you and any possible roommates.

Personalize

Finding little ways to personalize your living space can add some style while continuously re-energizing you as you face the everyday struggles of college life. Custom bulletin boards from The Container Store can be regularly updated with your dreams and goals or pictures from home to keep you focused when times get difficult. And, for that additional little touch, consider putting a message board on the outside of your door for fun communication with all of your neighbors.

Illuminate

Lighting can make a huge difference on the personality of your dorm and doesn’t have to take a bite out of your wallet. Using Christmas lanterns and lights can highlight various wall decorations or add a unique flair to your ceiling and furniture. Plus, companies like IKEA have a huge selection of inexpensive lamps to fit every style and room decoration.

Whatever you do, keep it uniquely you. You are going to be living in this space, so make sure it is somewhere you want to go at the end of the day.

About the Author: Stephen Collins was born in Phoenix, Arizona and has spent most of his life in the Southwestern United States, playing among the cowboys and aliens. This admitted lover of sci-fi and fantasy developed a passion for the written word early in life and began writing at a young age, mostly for the thrill and joy of the experience. He is currently working on his second book while continuing to weave his wordsmithing magic as a freelance writer.


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