financial planning

Managing College Finances

college financesThere are many aspects to college life which both you and your children need to get used to and understand as effectively as possible. One of the most important however is that of money – you of course want to make sure that your children are going to be secure financially, and that they will understand how to approach and deal with their money on the whole. As long as you can be sure of that, you will find that it is much easier to send them off without worry, so this is something you should think about for your own sake as much as theirs. In this post, we will take a look at a few of the concerns to consider if you want to help your kids through their college years in a financial sense.

Getting A Loan

The vast majority of students need to get a student loan in order to survive college, and that is something to make sure you are thinking about as early as possible. Encourage your child to apply for their loan early, to ensure that they get it in time, and back sure that you help them along the way wherever possible too. You might need to provide some information yourself as part of this process, so be prepared for that as well. Once they have that loan, that will make college much easier – but remember that it is technically a debt, even if not a terrible one to have. It is possible that years later they might be able to apply for student loan debt forgiveness or have it wiped off – or they might manage to pay it off instead. Either way, it needs thinking about.

Money Management

It might well be that this is the first time your child has had to manage their money on their own, and as such it’s likely that you are going to want to help them with this process. Chances are, they won’t really know what to do here, so you might need to help them along and teach them what money management means. By doing that, you help to keep them out of debt and financial worry, and you ensure that they are going to be able to master their finances much more effectively as a result. Bear that in mind and you will find that it makes a huge difference for them as they attend college.

Helping Them Out

There might be occasions where you need to help them out with your own finances, and there is nothing wrong with that as such. When this is the case, you should of course make sure that you don’t allow them to suffer – but you should also think about trying to encourage them to help themselves first and foremost. That could mean arguing that they need to get a part-time job, or it might be that you want to just give them tips on how to look after their money better, as above. However you do it, be sure to help them mostly by allowing them to help themselves.

college guidance, dorm life, parenting

Life Lessons Your Student Will Learn in College

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collegeDo you remember the days of being in college? For the most part, it’s full of so many happy memories, life lessons, and ways of creating a future for yourself. While college is still a place to grow independently without the supervision of parents, there is still the thought in the back of their minds about what the future holds for them, and what they need to do to ensure they get the right career. Among all of this pressure, there are still life lessons to learn in college.

The Big Money Problem

Your kids won’t really understand the value of money until they reach college.  As they get older and start college, the things that they have to pay for grow and grow, and they aren’t always going to be able to rely on the bank of mom and dad to help them out. They really do need to learn the skill of managing money, and they’re never going to be able to do that if they know they’ve always got something to fall back on from you. You could even help them with their money management.  As hard as college is on the finances, it definitely does help to teach a lesson or two.

Solo Living

They will have to learn to do things for themselves. Washing and drying, and perhaps even ironing. Keeping the room clean so that it doesn’t start to smell, and generally caring for themselves. You wouldn’t believe how many college kids hygiene levels drop in the first couple of months because they just can’t look after themselves. They have the stress of making new friends, getting used to college, and getting used to living on their own to deal with. So sometimes because of all of this stress, hygiene levels do drop! They also learn to enjoy their own company, which we really do think is an important life lesson. You can’t always rely on people to be around you, so being content being alone is an important life lesson.

Finding A Love For Travel

So, we’ve spoke about financial management and the stress of juggling living solo, so how on earth do they fit travel in!? Many colleges actually organize a couple of trips relating to sports, or the course they’re studying. A school trip company would organize the location and perhaps the itinerary, and all your kids would have to do is pay the fee to go. Trips or studying abroad teaches your student to enjoy other parts of the world, and be aware of world problems. Travel really does help to broaden then mind in other ways, and it’s such a good way to fill a life with memories, especially at college

The Real World

We would like to think that the biggest lesson they learn, is about the real world. Although they might not be in it just yet, they know it’s looming, and hopefully they understand how stressful it’s going to be. During high school, kids are sort of shielded from the realities of what adult life is going to be like, but during college, they really start to drum it in about the hardships out there. So, the lessons to be learned will involve the importance of finding and keeping a good job, and how to look after themselves.

The Importance Of Family

Finally, a big lesson they will hopefully learn is the importance of family. Family time is something that will become hard to come by while. But hopefully this lack of contact, but influx of support, teaches them why parents and family are the best people in their lives!

college housing, college planning

Bringing Your Dog to College

dog to collegeCollege is a fun time for students, who are getting out into the world, trying new things, and figuring out who they are. But it’s true that many students can get homesick, too. While it’s just a fact of life that young people need to step out on their own, it’s possible that they don’t need to be completely by themselves. No, we’re not suggesting that the parents live nearby – we’re suggesting that the family pet goes with them. 

According to U.S. News, “Many colleges and universities have created housing policies that let students live with certain pets, though it’s important to consult your school’s policies before packing your pooch, as these regulations differ by campus.”

These 10 colleges and universities, listed in alphabetical order, are among those with pet-friendly policies on campus:

  1. Case Western Reserve University
  2. Eckerd College:
  3. Lehigh University
  4. Massachusetts Institute of Technology:
  5. Principia College
  6. Stephens College:
  7. Stetson University
  8. Sweet Briar College:
  9. University of Notre Dame
  10. Washington and Jefferson College

Does your student want or need to bring his or her dog to college?  If so, there are certainly some things to consider.

Would Your Dog Want This?

You’ll have your child’s happiness at the forefront of your mind, but don’t forget about your dog, too. They’ll be making a bigger sacrifice if they go with your child to college, since their routine will be turned upside down, and they won’t know why. So before you get too far down the planning route, think about whether this is something that your dog would like. If they cry every time your child leaves home, then it’s probably a yes. If they’re older and more settled in their routine, it’s probably a no.

Finding a Place to Live

It can be difficult enough finding a place to live at college, but it gets even more difficult when you have a dog with you. This is because many colleges and/or landlords won’t accept pets, and those that do may have limits on the breeds of dog that they allow. To give yourself the best chance of being accepted, get some certification that shows what type of dog you have – you can learn how https://www.certapet.com/what-breed-is-my-dog/. Even if a landlord allows dogs, your son or daughter will have to speak to the other people in the house to make sure they’re OK with having a pooch living with them.

Look Up Groups and Organizations

Your dog will have a whole network of friends and professionals in their hometown, just like a regular human! When they’re moving, suddenly that network will be gone. To make it easier for your dog to adjust, look up any dog groups – it’ll allow him or her the chance to make new friends. You’ll also want to look up a local vet, so you know exactly where to go should something go wrong.

Get Organized

Student life can be pretty chaotic. There’s work, there are parties, and everything else. It’s not always the best environment for an animal! If your son or daughter is taking the family dog, you’ll need to emphasize the need for organization. That means ensuring the space is always kept clean, there’s a schedule for walks, and they have their own space to unwind on the property.

Where to Cut Corners

College life is expensive, we all know! And so are dogs. There are ways to cut corners, financially wise. Tell your child to groom the dog themselves, for instance, and find the right food – it’s very rarely the most expensive option.

App Tuesday, college planning, college prep

Apps to Make College Prep Easier

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appsMost parents feel their student’s smartphone is an extra appendage. Your student’s entire life is on their phone. They use it to stay in touch with friends (and you if you’re lucky), they use it for homework, for research, for gaming and just about every other task in their lives.

Why not add some beneficial tasks that can help with college prep and even safety? Here are some of my picks for apps that can help your student be more productive and even ease your mind a bit.

Apps to help with writing and research

What high school student doesn’t need to know how to properly annotate a reference source, find a synonym for simple words to spice up their essays, or do some research for term papers?

Apps to help your student with history

Whether you need to reference an article of the Constitution, find out what happened today 100 years ago, or look up some famous speeches, here are some apps that have got you covered.

Apps to help with math questions

Does math homework make you quake in your shoes? It did me. Unfortunately, we didn’t have the widespread availability of apps that today’s high school students have.  These apps should help both you and your student tackle those complicated math problems.

Apps to help your student improve their GPA

Instead of study apps, let’s call these “10 apps to help you get merit-aid scholarships”. Improving your GPA is the best way to qualify for merit aid, and the best way to improve your GPA is to study.

Apps to help with the college essay

One of the most dreaded tasks of the college prep process is writing the essay. Students have problems with essay prompts, being creative, and using proper grammar. As luck would have it, however, there are even essay apps to help with this task.

Apps to help with test prep

A good SAT or ACT score can translate into good merit aid. Your student should take studying seriously. These apps can help make it easier and they are FREE!

Apps to help teach your student about budgeting

A good budgeting app can help college students keep track of their finances and help them find areas where they can cut back. Most budgeting apps can cover the basics—this article will provide you with five budgeting apps that stand out from the crowd and explain how they can help keep a college student’s budget in order.

Apps to help students in critical situations

These apps can help students act during critical situations to go along with the conversations you should have with your soon-to-be college students. These apps won’t solve the problem, but they can help save a life.

For more information on apps that can help you and your student, follow this link for all the articles I’ve written in the past about apps.

college guidance

The Pros and Cons of Moving Away to College

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collegeOne of the biggest decisions a young person has to make is what college to go to. Do you spread your wings and go to a school further out from where you live, or even overseas? Or do you stay home and keep your focus under the watchful eye of your parents? Here are some pros and cons to consider.

Pros: access to the best schools and/ or courses

One of the biggest advantages to moving away to university is to go and study at the best school or course that you can. Different universities are renowned for different things, and if you’re able to get accepted then it makes sense that you’d choose the best school that you can. Do your research, and apply to the schools that offer what you’re looking for with your expected grades. You will receive an instant rejection, or a offer based on you achieving the results you’ve stated.

Cons: homesickness

Even though you’re officially an adult when you go away to university, some students can experience serious homesickness. This can impact your mental health as well as your studies. It’s always worth giving these things a go, you might surprise yourself and with communication these days being so good you can always video call back home. Just be aware that if things get

Pros: learning independence

Going away to university isn’t just about earning a qualification. While of course this is the most important thing, moving to university helps you to learn about yourself as well as improve your education and job prospects. For most young people, moving away to college is the first time they’ve lived away from home. Being away from the security and regulation of your parents home can help you discover more about yourself, it helps you to grow up and learn responsibility since it’s the opportunity to stand on your own two feet. You’ll need to be able to organize your time, your finances, you’ll need to learn how to keep your accommodation clean, your clothes clean, you’ll need to learn to feed yourself. Moving to university is like a crash course in adulthood, and having these skills when you graduate can really set you on a good path for the rest of your life.

Cons: lack of life skills

No young person is going to know it all before moving away, and learning as you go is the key to success. However, some people lack the fundamental skills to make this work in the first place. If you’ve always relied on parents to cook, clean, budget and know none of the basics then going off to a new place can leave you feeling like you’ve been totally thrown in at the deep end. If you know you’re off to college in the future, work on building up some of these skills now. Find a budgeting app that suits you, even if you only have to pay for your own car and phone while you’re living at home it will get you used to managing money. Learn some simple yet healthy budget recipes that could keep you going if you moved away.

organization, websites

An Application to Help Students Stay Organized

Today’s guest post is a from a company called Webjets who offers an organization and productivity tool that can be used by soon-to-be college students and college students. The author,  Vladislav Khaustovich, is a student at ​Penn State College & University

______________________________________________________________________

I decided to write this article to support an outstanding platform that helps people to organize everyday tasks and data and which helps me personally as a college student to work with a big amount of information. The name of the platform is Webjets.

I first learned about Webjets from my former supervisor at Starta Accelerator where I did an internship and where Webjets was accepted as one of the most promising startup companies  from Europe.

webjets

Here are the features that make Webjets unique:

Ability to see all the tasks at once

The first thing that caught my attention in this application was its simplicity and the ability to retrieve information quickly. I have always been looking for this kind of platform where I could create tasks and find them right away after opening the platform. It’s something difficult to do when it comes to all kinds of calendars and task managers. You have to scroll them up and down, search for a required piece of information among tons of others, and click many different buttons. Annoying stuff… While all these applications pretend to be simple, Webjets is just built to be simple.

webjets

I started using Webjets as a tool to write down my everyday tasks and what I liked about thisplatform is that when I log in, I instantaneously see all my tasks in one place. I can embrace them all in once without the need to scroll, click, and swipe anything else. It’s similar to using a physical whiteboard. Still, the whiteboard is limited by its dimensions while Webjets is not.

Organizing collected information in a convenient way

Usually, it takes a good amount of time to collect and organize the information for any college project. Webjets makes both processes simpler. For example, let’s assume you’re working on a project which goal is to explain major movements in modern art and you decide to use Microsoft Word for this purpose. You start writing down the information and at some point, you realize that you have too many links and way too much information in your Word document (and it happens all the times). You start reorganizing the information by copying, deleting, pasting and erasing stuff. You go to links that you pasted into your document and try to paraphrase the information and then to paste the new, reorganized pieces of information in your document. It consumes a lot of time. You get tired quickly. In Webjets, everything is much simpler. You can drag pieces of information all around the board. You can view a short summary of the links that you decide to include in your project. You can also show and hide automatic images associated with these links to make the navigation simpler.

 

Make to-do lists and save important information really fast

For many students, college life is like: “Wow, this stuff is so interesting, I’d love to go deeper, but there is still so much work to do.” Webjets is a good solution when it comes to creating to-do lists. For example, you can create a number of different boards and assign each of them to the courses you take. When you encounter any important or interesting information in the course that you would like to review later, you can quickly create a note or drop a link in Webjets to make sure everything is under your informational control.

webjets

There are tons of other ways how Webjets may be used, but what I’ve mentioned above are just those features that I found helpful for myself.

In the end, I want to thank Webjets team for its understanding and responsiveness. Besides numerous questions that I kept asking the people from Webjets, I was also surprised by how quickly they fixed the issue that seemed annoying to me. I just sent them a message on Facebook and they fixed it in the next few days.

I encourage everyone who is still using calendars, task managers, and all kinds of note-taking apps to go to Webjets and see how this amazing app can make your life easier!

study abroad

Studying Abroad Checklist

studying abroadGoing to college can be daunting enough, but when you are moving to an entirely new country to study, it can be even more overwhelming. Nevertheless, this is an experience to be excited about… the chance to meet new people, explore a new place and embrace a new culture!

In fact, it is an opportunity a greater number of students are taking advantage of. Students are actually the fastest growing expat group, and this is a trend that is only set to continue. Statistics show that approximately 4.3 million students are currently enrolled in a college or university that is outside of their home country.

Are you going to be one of these numbers? If so, there are several things you need to take into consideration before your big move. So, let’s take a look at this studying abroad checklist:

Healthcare

One of the important things you need to consider is healthcare. You may be blessed with a good public health system in your home country, yet this does not mean that the country you are moving to will have a high standard of care. And, even if they do, you may not have access to it. This is why it is so important to take out an international health insurance policy before moving abroad. You will receive access to the best treatments and care with global medical insurance. Of course, do your research carefully to make sure the policy covers everything you need and is available for the country you are moving to. Even though something is labeled as ‘worldwide’ there could be some exceptions.

Visa

Depending on where you are going to study, it is likely that you will require a student visa to be allowed in the country legally for the full duration of your university or college course. Fortunately, there are a lot of universities that will help you with this process if you are applying for an undergraduate degree. Yet this is not always the case. So contact the nearest embassy of the country you wish to study in to find out more. There are various things you will need in order to be granted a student visa, such as valid passport, a return ticket for your journey home once your studies have concluded, proof of funds and a university letter of approval.

University Preparation

You need to do some preparation in terms of the university itself and the course you are going to study. What textbooks and materials do you need? What style of essay writing is used there? If you are unfamiliar with the style, you can easily find tips for writing college essays online. You should also find out about the facilities at the university, how you apply to stay on campus, and any other important pieces of information that can assist you and help you to feel more comfortable. There are often Facebook groups and other social media platforms that are used to connect new students, so it is worth looking into these.

Finances  

Last but not least, you should consider your finances carefully. How are you going to carry your money? You definitely shouldn’t keep it in cash. But, local banks will charge you a fee every time you draw money out in your new location. Consider opening a student account in your home country or new location, if possible. You should be able to find bank accounts suited to your unique situation. Student overdrafts with no interest are often available. You do need to be mindful, though, as you will be charged interest once you are no longer a student. You can also make savings by acquiring an International Student Identity Card (ISIC). This can be used all over the world.

As you can see, there is a lot that needs to be considered if you are planning on moving to another country to study. While this may seem daunting, there is no need to panic. The more prepared you are, the easier everything will be. So it is always better to do as much research as soon as possible. You can also make sure you do not have too many tasks to do once you get there by sorting out your reading materials, health insurance, bank account and such like in advance, if possible.

college guidance, college planning, college prep, extracurricular activities, financial aid, financial planning, organization, scholarships

Getting In to Your First Choice College

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first choiceWhile many students are busy packing their bags and getting ready to leave for their first year at college, still others are working on their applications for the next round of admissions. Of course, if your child fits the latter category, it’s likely that they already have a college in mind that they wish to attend. Happily, by reading the post below you can find out about the tactics that will help them get into their first choice. Keep reading to discover more.

Address any study or subject issues

Number one of the list tactics is dealing with grades, as this is the base level that a college application will address. Happily, this is something that you can definitely help your child with, without micromanaging them as well. Firstly, it’s vital that you take a keen interest in their progress with their studies, without being overbearing and demanding.

Then, if they or their teachers flag up an issue on a particular topic, it will be much easier to address this constructively. It may be that your child is struggling with a specific subject, or that something is going on in their life that creating a distraction for them. However, as long as you are able to have an honest two-way conversation, you will ultimately be able to get them the support or help they need to ensure that their grades remain on target to get into the college of their choice.

Help your child to present a rounded application

Please do remember though that while grades are essential for college, they are not the only thing that the application board with be looking at. In fact, lately, there has been a definite move towards reviewing the whole person and looking at their extracurricular activities as well as their academic ones.

What this means is that you can quickly help your child by encouraging them to engage in activities outside of the home. These may include sports such as basketball, football, and athletics, as well as getting them involved in community projects like food banks, reading programs, and soup kitchens. Even having a part-time job, or getting some work experience in a firm that is related to their studies can go a long way to helping them stand out amounts all the other candidates. Something that can help them secure that much-needed place in their first choice school.

Seek additional help

It’s also wise to remember as a parent that there is plenty of help out there both for you and your child when it comes to making a successful college application. First off there is lots of advice online that can take you through the process step by step, and also help you hone your child’s particular application documents.

Although, if your child is aiming at one of the top schools in the country it can be helpful to approach specialists like Ivy Select admission consulting for some additional help. After all, as they have been through the process of being accepted to an ivy league college, they are the best people to know all the little tips and tweaks to make to your child’s application for the best chance of them getting into their first choice.

Explore financial aid and scholarship options

Lastly, it is important to remember that it may be finance and scholarship issues that are standing in the way of your child getting into their first choice college. In fact, as university fees have risen so sharply in recent times, it is widespread for students to pick the more economically viable options, rather than where they genuinely want to go.

Luckily you can assist your child in dealing with this, by going through the costs of their course with them, and showing them what sort of budget they will be working on. You can even help them by demonstrating how this will affect their income when they are qualified and have to pay any loans back.

It’s obviously also important to openly discuss how much, if any financial help you will be providing to them, and not leave them guessing. After all, this may have a significant impact on whether they end up applying for the genuine first choice or not.

Lastly, it’s crucial that you also go over the options for scholarships with your child as well, and make sure that they understand these entirely before they make their applications. After all, the can be complicated and confusing and they may even need to start working on things like their grades or other requirements before it gets to application time. Something that you can support them with and that can ultimately help them get into their first choice college.

parenting

Is Your Student Showing Signs of Bullying?

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bullyingAs a parent, many things will cause you worry and sleepless nights. When our kids are tiny, we worry about whether they are safe in their crib, whether they are getting enough milk and if they are warm enough. As they get older though, the things that you worry about change. You send them off to school in a jumper and assume that they’ll be able to keep themselves warm and fed. But, there are new things to worry about. You’ll spend time wondering how they are settling in, if they’ve got friends, how they are coping with their workload and if they are trying their best.

One of the big things that we worry about as parents of school-aged children, whether they are 5 or 20, is bullying. Bullying has always been a problem, and the world of social media seems to have only made it worse and given the bullies a new form of attack. While kids will always get into the odd tussle or argument, bullying is something very different. See how Dr. Jerry Jellig responded to bullying and take a look at these signs that all parents should be watching out for.

School Avoidance

All kids have the occasional day when they don’t want to go to school. Even those that normally love going have days when they don’t feel like it, when they are worried about a class or assignment, or when they just want to do something else. This is normal and nothing to worry about.

But, when it starts to become more than this, when they never want to go to school, never talk about their day and start making excuses to stay at home it can be the sign of a more serious issue.

Change of Personality

Mood swings and personality changes in themselves aren’t always a problem. This can be another typical sign of a child growing up. Especially teenagers or those approaching the teen years. It’s also normal to notice mood swings after a holiday when returning to school is making them tired, and they are struggling to return to a routine.

But, if these mood swings are dramatic, and their personality seems completely different around school times, then keep an eye on it. It could be a sign that something is worrying them. Change in appetite is another thing to watch out for.

Poor Sleeping Patterns

You’ll know yourself that when you are feeling anxious or worried, you struggle to get a good night’s sleep. Your child might well be the same. If they are being bullied or worried about school, you may find that they seem much tidier than usual, as they are worrying late into the night.

Weight Loss

A lack of sleep and change in appetite isn’t always obvious, especially if your child is older, stays up later and doesn’t always eat with you. But, weight loss can be a sure sign, especially if it’s sudden and unrelated to exercise.

If you are concerned that your child is being bullied, speak to them. Listen to what they are telling you, without guiding or pushing them, and they speak to their teachers or staff at school as soon as you can.

academics, careers, college majors

How to Motivate Your Student Towards STEM

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STEMSome children fall in love with science right away – while others don’t. When your student has shown an interest in the field, you’re suddenly facing a fine balancing act of encouraging their interest without being pushy.

The joy of discovering the world of science should come from within themselves, of course, but a slight encouragement from their parents has never hurt anyone either.

Here is a handful of ways on how you can do exactly this in order to further their interest and make sure that their understanding continues to expand. That way, you know you’re doing a good job without pushing your own interest on your student.

Talk about science at home

Their interests will often be triggered in their own homes and usually because their parents also have an interest in the field. This means that the conversations come naturally and you’re likely to talk about the latest discoveries around the dinner table – but what if you’re not in the field yourself?

When your student is showing an interest in something you know very little about, it can be hard to know where to even start. It’s a good idea to have a look at a STEAM program, for example, and talk to their science teacher about what you can do to encourage their interest.

There are so many science-based games for students as well, by the way, and just the fact that you want to encourage the curiosity and thirst for knowledge in them without having any experience in the field yourself shows that you’re on the right path.

Encouraging curiosity

This brings us to the next point; the great thing about science is that it’s all about making sense of the world. That means that you don’t have to have the answer to each question they have and should instead try to make them think about an answer themselves.

This will help them to develop their own science skills as well, by the way, and you can show an interest without having too much understanding by encouraging them to explain their thoughts to you.

Try to avoid correcting them if they should say something that you know is incorrect, though, and help them to further their critical thinking by coming to the right conclusion themselves.

If they, for example, state that everything that is heavy will sink, you can try to guide them in the right direction by asking if they’ve ever seen anything heavy that may float – and which heavy things they know that sinks.

These are just a few of the ways you can help your science-minded student to understand a bit more of the world and develop their thirst for knowledge. Go for walks outside and talk about the things around you, and you’re doing a lot to give your child a great foundation.

Helping parents with all aspects of college prep