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5 Ways College Students Throw Money Away And How To Avoid Doing The Same Thing

Posted on Nov 30, 2013 with No comments

Nov 30, 2013

Unless you're really lucky you won't have much money when you're at college. A lot of people are in the same boat though you'd never know it by watching them spend all the time. If you want to save money while you're studying there are plenty of ways to do it. Most people spend their money needlessly anyway and we're going to look at how they could cut unnecessary spending out.

Not cooking your own meals

Do you have any idea how much money you'll waste if you eat out all the time? Even grabbing a sandwich for lunch every day adds up and at the end of the month a few hundred dollars will be missing from your bank account. Try to cook things like stews, curries, and pasta dishes in a giant pot and once you're finished you can split the food into different containers that can be heated up every day. You can also learn to carry coffee around in a thermos flask instead of buying it from Starbucks.

Take advantage of free nights

Every college student loves a good party, but you can be smart about the nights you choose to go out. If you head to big clubs at the weekend you will pay a lot more than if you went out through the week. That is because you'll miss the student nights where you can pick up great deals on drinks. There will also be a lot of free nights in your city and you should take advantage of them when possible. If you want to spend a lot of money on a night out it shouldn't be a regular thing.

Student discounts can be evil

When you need to buy something student discounts are great because you will save a lot of money, but that doesn't mean you're always getting a good deal. If you don't really need something you're not saving any money so don't forget that. It's easy to keep spending your money on goodies because you get an adrenaline rush every time you buy something new, but a few months down the line you'll regret it when you don't have any money to buy something important.

Wasted memberships

Recurring memberships aren't necessarily a bad thing if you can afford them, but sometimes it's nice when you don't have money coming out of your account every month. How many people spend hundreds of dollars on a gym membership only to go a few times per month? It's the same with sports clubs and online membership sites too. If you do decide to join one you have to make sure you get your money's worth otherwise you will regret wasting so much.

Fancy new gadgets

A few years ago you wouldn't have seen many gadgets floating around, but now they are everywhere and young people seem to think they need to buy everything in sight. The world will not end if you don't have the latest iPad or iPhone. Some gadgets will come in very handy and you will use them every day, but anything else should be left well alone until you have plenty of money coming it. You don't want to spend your entire life playing with gadgets anyway.

Having money is great

Instead of running out and spending money all the time you should be thankful you have it sitting in your bank account. There will come a time when you need it for something important. Starting your own business is more worthwhile than peeing your money up against a wall, but you will need savings in the bank should you ever wish to do something like that.

Student Life - Living in Halls

Posted on Nov 25, 2013 with No comments

Nov 25, 2013

One of the toughest adjustments in going to college is living on your own, and when you’re stuck in a building with dozens of other students for the foreseeable semesters, it can be pretty intimidating. Those dorms are where you’ll sleep, shower, do your laundry, and study, and getting used to a strange environment full of strange people of all walks.

Over time, you’ll adjust to your dorm life, appreciating the independence and friendships that you’ll make with your fellow students. Don’t be afraid to put yourself out there, socially, and remember that your parents are just a phone call away. To help you adjust to your new living space and environment, her are some tips for dorm life.

Get to Know Your Dorm

Start exploring the hall early to get your bearings together and find out what’s available and where for when you need them. find out where the laundry room is for your weekend load, and locate the lounges and study spaces, so you’re not crammed in your room every evening after class. More importantly, find the closest bathroom to your dorm room where you can takes your showers, brush your teeth, and you know what else.

Organize and decorate your room right off the bat, because as busy as it seems when you first move in, it’ll just get busier. That way, you’ll have a clean space with everything where you can find it, and store you seasonal gear under the bed or in your closet to help maximize open space. Hang pictures of family and friends to keep things familiar, and get creative with posters, knick-knacks, and even Christmas lights.

Get Out of Your Room

Claustrophobia can set in pretty quickly when you’re crammed in a dorm room, so escape the four walls and hang out in the lounges. You can watch television with some of your neighbors, take a book to read or study on the steps, or even go for a walk. The important factors in this is to get the open space you’ll need AND to create opportunities to get to know other students.

Be sure to take advantage of your R.A., because they can offer some great crucial advice and act as a mediator if you have an issue with your roommate. Speaking of which, talk or text with your roommate to set realistic expectations and set ground rules for living together, and keep communicating frequently. Try keeping an open door, too, so people feel welcome to stop by and say hello.

Be Considerate

It’s important to follow the golden rule while you’re living in your dorm; treat others like you’d want to be treated, and be considerate with your habits and activities. You might want to crank up the stereo at two in the morning while you’re cramming for an exam the next day, but the people next to you are probably trying to sleep. Keep respectful, and things will go a lot smoother.

How Smart Students Save Money Everyday

Posted on Nov 14, 2013 with No comments

Nov 14, 2013

Here are some fantastic tips for doing what you can to limit spending while still in school.

A Crockpot for Christmas

Spending money eating out each week is a definite way to rack up a large bill at the end of the month. Try to eat in as much as possible. If you have several roommates go in together and split the cost of bulk items which are cheaper per unit.

You can cook chicken, beans, soups and practically anything else you dream up in a Crockpot—even a cake. And you’ll have leftovers for the entire week. Another benefit of Crockpot cooking is that it is easy. You can just leave it on all day while you go to and from class and then come home to a delicious homemade feast in the evening.

Book Trade

Although a shrinking percentage of students actually read them, textbooks are an imperative part of college. And buying them can sap up any funds you might have had left from tuition. But fortunately there are some great ways to navigate the system so that you spend less.

Rule #1: Always buy used. Try to avoid the campus bookstore altogether. Do a little research before class starts so that you have time to order a used copy off of Amazon. This will save you a lot. If you can pick the book up from of a friend who has already taken the class, even better.

Rule #2: Ask about the edition. While some professors will remain sticklers forcing you to purchase the brand new edition of the text, many are willing to negotiate. You may find a previous edition for a couple of dollars that has only minor page number discrepancies when compared with the brand new edition which costs hundreds of dollars.

Rule #3: If you have an eReader, use it! For students who were given a Kindle for Christmas or who asked for an iPad instead of a laptop, the possibility of e-texts is worth comparing with the print price. Although most textbooks are roughly the same price as the print version, downloading classic literature will be free or only a few dollars compared to purchasing a paperback copy.

Bank for Free

In some ways, college students are pretty lucky because they receive pity and free food wherever they go. A surprising number of banks also like starving students, offering free checking and savings accounts to currently enrolled undergraduates. This is a great way to save money on fees. Check to see if online banking is available so that you can keep track of your account and avoid overdraft costs.

Random Side Jobs

While you may not have time for a normal job, there are still lots of fun and flexible ways to earn extra cash. Tutoring is a fantastic way to cement your skills while helping other students and making some dough. Babysitting is still a great option because you can pick up work when it is available but turn it down when you are too busy. Other students who enjoy web design might create a website or blog and sell space for online ads to create some additional income. Most college students are pretty inventive, so put those creative ideas to use.

Be Cautious with Your Loans

One of the most common problems for college students is debt. Whether it is raking up student loans or buying into specially targeted credit accounts, many graduates finish school with decades’ worth of debt. Do what you can to be proactive about saving.

If you are thinking about another loan, go to your parents first and ask for their advice. When considering a short-term loan, be totally positive that you can pay it off within the contracted time-frame.

With these tips for cutting college costs, you are on your way to a great undergraduate experience while limiting the financial stress.

Top Tips to Help you Prepare for Your Interview in Financial Companies

Posted on Nov 8, 2013 with No comments

Nov 8, 2013

Interviews may seem like a cakewalk to you however, there is more to it than what meets the eye. You need to be extremely cautious and like every other thing in life; it needs a thorough preparation and dedication from your end if you wish to be part of a well known company. This gains even more weight age when the interview in question for a financial company. Finance is a very vast topic and to  familiarize yourself with these aspects and master them could be termed as a herculean task. Besides, there are constant changes that occur in the financial market and with the changing economic situations, it is obligatory that you keep pace with these changing trends and be current.

Keeping up can thus be slightly daunting and therefore, you cannot expect to take your interview lightly. Employers are not just interested in a pleasant personality and good qualifications but they are also looking for knowledgeable people and they test this by asking a plethora of questions like how to negotiate a credit card settlement and the likes. Your confidence should be reflected in your answer and unless you have practice and the information, you will not be in a position to exude the desired confidence level. Given below are some important interview tips that will shape your confidence and guide you to give your best shot at interviews for financial firms and companies.

1.) Talk about yourself:

Any well known financial company will not directly get down to the most important aspect of the interview. They will first ask you to talk about yourself and they will try to gauge your personality and confidence level. How you answer this first question is very important because it is here that you will be able to make a first impression. The impression that you create is likely to linger until the end of the interview; therefore, you must choose your words carefully.

Maintaining a formal tone is important. Talk about your resume, the type of person that you are. Familiarize them with your goals and past works and what you expect in the future. Having a flow to your words is important and it helps conjure a positive image in the minds of your employers. It is important that you stay genuine and only include things that you actually wish for. You must never lie about any past achievement as this could work against you.

2.) Be energetic:

Once the aforementioned set of questions is completed, your employer will move on to the next set which consists of definitive  behavioral questions. These are strictly situational and it helps get them a rough idea as to how you would handle a problem in a given situation. This phase is important as the employers try to understand your frame of mind and your energy levels. No matter how exhausted or worn out you feel, you must always come across as an energetic person and take things in your stride. This is what this phase of the interview aims at testing.

3.) Answering technical questions:

This is by far the most challenging aspect of an interview wherein your knowledge is put to test. You can expect questions ranging from easy to difficult and even moderate. A simple example would be a question like how to negotiate a credit card settlement. They could also ask questions pertaining to accounts, finance and the likes. Although it is very unlikely, they may also ask questions in the form of brainteasers and riddles to put you on the spot and help come up with a suitable solution. Therefore, once you cover these 3 major aspects, you can be sure of shining through your interview process.


How to Choose a Student Bank Account

Posted on Nov 2, 2013 with 1 comment

Nov 2, 2013

For many teenagers the choice of which university to attend has been made, the results are in, and it’s now time to start making concrete plans for college. The to-do list contains everything from packing clothes to choosing accommodation, but don’t forget adding “managing finances” to your list. One of the first things you need to do is sort out how you are going to handle your money and which bank account will best suit your needs at university. Here’s how to pick a student bank account that will allow you to manage your money without eating up your time or your spare change.

Check the benefits

It is easy to be overwhelmed by the task of choosing between accounts that all seem to offer different benefits and incentives. One of the first things you can look at to make the job of choosing easier is the availability of interest-free overdraft facilities. As a student it is highly likely you will need to access an overdraft at some point and you don’t want to be charged high fees when you slip into the red. Interest-free overdrafts are useful but you also need to check how long the facility lasts once you graduate, so you can continue to benefit even if you still owe money when your course comes to an end.

Don’t be dazzled by free gifts

Bank accounts for students offer a wide variety of incentives for students looking to open a new account. It’s not surprising that banks offer cashback, train tickets, music downloads, money off foreign holidays, discount cards, and other incentives to attract students – students are likely to stay with the bank long after they graduate, so it pays to get them onboard as soon as possible. Incentives more than pay for themselves from the bank’s perspective but you need to make them work for your needs, too.

Try not to make a decision based solely on the extras an account gives you – for example the free tickets and other non-financial benefits. You may get a lot of free stuff but end up paying more in the long run to have your money in that particular bank. Check the small print carefully before you make a decision and avoid the gimmicks.

Check your entitlements

As well as deciding which bank account you need to handle your money, check that you are receiving all the benefits you are entitled to. It is a good idea to check with your university whether you are entitled to any funding, and make sure you have exhausted all options for claiming money to help you through your first years at college. The right bank account can help you save money as well as be a place for you to store any money you get.


Beginning Steps to a Medical Career

Posted on with No comments
The medical industry is one of the largest industries in the world, creating millions of job opportunities across the globe. Health care can range from the development, production and dispensing of drugs to working at the very front of the sector in hospitals or as a consultant. As a result, there are a lot of choices available to individuals who want to look for a career in this industry. When looking for a career, however, there are a few important steps that you will need to follow in order to get to your goal. Not all of these steps will be easy to follow, however.

Ask Questions

In other words, do your research. Have a look at what the medical industry is like in your country. If you know anyone who works as a doctor, pharmacist, nurse or indeed any other type of health care professional, try to get as much information out of them as possible. The more questions you ask and the more research that you do, the more informed you will be about this decision.

There are many subcategories in the health industry so one must look at all options to discover where interests lie. Maybe you are interested in helping children or the elderly? If so you may be best suited for a pediatrics office or nursing home facility. If you enjoy sports, you may be best suited for physical therapy. These are just a few examples of medical subcategories that you can research.

Look for the Right Job

There are countless different medical jobs out there for people to do. Nursing is probably one of the more common types, and is often a great way of getting your foot in the door if you are interested in eventually becoming a doctor. Nursing can also give you a lot of practical experience and open you up to a range of other career options. If you are interested in going on to medical school then you can have a look at becoming a doctor or a surgeon. This will require a much higher level of qualification and longer hours of study, but it can end up paying off in the end. A consultant is also a choice that a lot of people will make from time to time, so make sure to consider this. Sometimes, it is easier to begin your career in a low level medical job before you start to climb the ranks.

Find the Right Course

Once you know what sort of medical career you are looking for, it is time to look for courses and get certified. Certification will depend on what you decide to study. For the likes of nursing, it may be possible to do a short degree and then get into a hospital. It will then be possible to get add on certificates. In some cases, distance or part time learning is also possible.

These are just some of the more basic steps that you will need to follow if you wish to begin this career. When it comes to health care, the right amount of research is important. You need to be committed to the lengthy process of making this into a career. Then once you finish your training, you will be ready to enter the exciting field o medicine!

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