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5 Unique Tips For Financially Preparing For College

Posted on Dec 24, 2016 with No comments

Dec 24, 2016

A common goal that many parents have is to save enough money to put their kids through college. However, since the cost of college is rising so fast, this can seem like a big challenge to many people.

For those that are looking to send their kids to college, here are five unique tips to follow that can help you save money and better prepare for your child’s future education.

Estimate The Cost

The first tip for financially preparing for college is to properly estimate the costs of the education. Many studies today believe that college will cost significantly more in the future. By the year 2030, college could cost over $100,000 at private schools every year and state colleges could cost over $40,000. 

When estimating the budget, you will also need to factor in other expenses such as commuting, living expenses, and spending money. Make sure that you really take the time to sit down and really figure out how much college is going to cost you.

Set Goals

Another tip for saving for college is to set a goal for what you would like to provide your kids. While paying for the entire education may be a goal, it can be impossible in some cases.

However, you should set a goal for a certain percentage of the education that you want to cover. Based on this, you will be able to figure out how much you have to have saved before your kids go to college.

Start Early

The most important tip that many parents should follow is to start saving as early as possible. While 18 years may seem very far away, the years will go by very quickly and you can miss out on a lot of compound interest if you do not start right away. 

Ideally, you should start funding the college savings account right after they are born.

Investment Strategy

How you invest the money is just as important as how much you save. Many experts agree that your investment allocations should change as the child approaches their college years. 

When the kids are young, you should focus on investing largely in stocks and mutual funds. However, when they are approaching the college age, you should re-allocate into a more conservative mix.

Other Financing Options

As your child approaches college, you should start looking more into scholarships and student loans. Many colleges, local communities, and private ventures have scholarship programs that could help reduce your cost. 

Furthermore, most schools, including UC Clermont College, have financial aid offices that can help you receive grants and loans.

In conclusion, paying for college for a child can seem like a daunting task. Luckily, you can just take your time and save over the years. Just be sure to follow these five unique tips to help make sure that you are as financially prepared as possible.


5 Foolproof Ideas to Choose the Right English Tutor in Melbourne

Posted on Dec 16, 2016 with No comments

Dec 16, 2016

Are you worried about the weak performance of your kid in English subject? If yes, then you must hire a good English tutor for him. If you live in Melbourne, then you must know that many people in this city hire home tutor for improving the performance of their kids. 

But hiring the great English tutor in Melbourne is a very challenging job and lack of information prevents people to do this job successfully. If you want to know 5 foolproof ideas that will help you to choose the right English tutor, then you must read this article.

An English tutor who has lots of knowledge about this topic can help their student to learn this topic properly. But before choosing the right one, people should also check that whether the tutor has teaching ability or not. 

Person who has enough knowledge but don’t know how to teach, then he or she cannot teach his or her students. At this present time, a number of online sources help people to find the good home tutor. 

Some people don’t want to hire tutor through the online since they think this kind of source doesn’t provide authentic people. If you also think same matter, then you must visit the reliable online source. 

Reputable online sources help people to find the good English tutor. Furthermore, you should apply some ideas that will help you to handle this project successfully.

5 Foolproof Ideas That Will Help you to Select the Rright English Tutor

1. Check the authenticity of the source: You should check the authenticity of the source since authentic online sources offer the best service. In fact, you should visit the web pages of the source since through this way you will get lots of information about this source.

2. Check the qualification and ability of the tutor: before choosing the home tutor, people should check their qualification and ability. Remember, people should hire tutor who has sufficient knowledge and ability.

3. Visit their references: Before finalizing the deal, people should ask them about their references. Thus, people can get a concept about the service of the source and also about the ability and honesty of the tutor.

4. Visit their terms and policies: Before finalizing the deal, people should visit the terms and policies of the source.

5. Service charges: Before availing the home tutorial service, people should check their service charges.

If you follow these above tips, then you will choose the right English tutor in Melbourne for your kids. Now you must be thinking that where to avail this service? Well, in this case, you must contact with any reputable source.

Reputable online sources have a number of efficient and qualified tutors and they help their students to learn the subject properly. 

Along with being qualified and eligible, they are also very honest. Many people in Melbourne have availed service from these reliable sources and they are very pleased. If you also want to hire a good home tutor for improving the performance of your kids in English, then you must follow this article. 

Hope, it will help you to find the right English tutor for your kids.


Six Financial Tricks for Getting Out of College Debt-Free

Posted on Dec 1, 2016 with 1 comment

Dec 1, 2016

Contrary to popular belief, it is possible to get through college with no debt. That means no student loans, no credit cards, and no signature loans. 

Most people opt for the easy way out and get student loans. However, if you utilize the following tips, you can get through your undergrad and get your graduate degree with no debt. Be smart and do your research before jumping into any future financial decisions.

Grants and Scholarships

Pell grants, scholarships, and other types of grants are out there for the taking. Pell grants are easy to get and you can apply to get these when you go through the traditional student aid process and file your FAFSA. 

Scholarships and other grants take a lot of hard work. You have to complete applications, write essays, and pay attention to deadlines. If you are willing to put in the work, you can get a lot of money from these sources. 

Even your school might offer academic scholarships, so see what you can do to improve your grades and application process.

Work Part-Time

Most full-time students choose not to work full-time so they can concentrate on their studies. This is great, but you aren't going to be able to get through school with no debt unless you pick up some kind of part-time employment. 

Just keep a close watch on your schedule so you don't miss a shift at work or blow off an exam or paper. Work-study opportunities are available at most universities as well. These mean you work for the university and instead of getting a paycheck that work goes toward your tuition in some way.

Online Classes

Online classes are a great option if you need a flexible schedule so you can work. You can work on your online coursework at night, on your lunch break, or on the weekends. Plus, you don't have to buy gas for the commute or coffee at the cafeteria to wake you up, so you save money there.

Evening Classes

If you have to work full-time, pick up a few evening classes so you can finish your degree faster without interfering with your work schedule. 

You can go straight from work to school, and use any extra time before class starts to study in a quiet area. It can be tiring, but it will be totally worth it once you have that degree in hand.

Military ROTC

If you are a good fit for the structure and rigors of military life, talk to the ROTC recruiter at your school. ROTC will give you a full scholarship to pay your tuition, plus you get a monthly stipend to help cover some living expenses. 

All you have to do is commit to a few years of active military service after you graduate. Plus, a military career as an officer has options for you to finish a Master's in a military history degree, business administration, or other disciplines with no debt.

National Guard

Interested in the military but want to fulfill your military service obligation while you are in school? The Army National Guard or Air National Guard is your best bet. 

You are given free tuition in most states at select schools, plus a Montgomery GI Bill monthly stipend so you graduate debt-free. In addition, you earn a monthly paycheck for attending monthly Unit Training Assemblies and an even bigger check in the summer for attending annual training. 

You can also take advantage of extremely low cost medical and dental insurance options through Tricare Reserve Select and the Tricare Dental Program. And your enlistment will end when you graduate school in many cases. Contact your local Army or Air National Guard recruiter for more details.

Getting a degree can be done without going into debt. Just use a few of these ideas to help you make a smarter financial decision as you prepare for college. With the right tools and experience, you can get through your schooling without a cloud of debt following you.


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