Archive for August, 2019

So, You Graduated College. Now What?

August 23rd, 2019

BY SAMUEL BENSON

So, you worked hard and earned your college degree. That’s great! If you are like many other people, you may be wondering what comes next. It does not matter if you have gotten a degree from a top university or a systems engineering online degree, not when real life will hit you.

Look for a Job

Job hunting is going to take a lot of time and effort. You will need to network with others and you will need to make sure your resume is up to date and professional looking. Every job that you apply to will need a new and customized cover letter. It may take you some time to find a good job and you may need to take an entry-level position, to begin with.

Find Employment

Now is the time to enter the workforce and build up experience. You will need to go to work every day and be a responsible and productive adult. In order to make the transition into this new world, you can seek out a mentor at your new job. Many jobs do offer mentors to help go over the expectations, procedures, and transition. This will make it easier for you to adjust to your new life and you can learn how to keep and hold this job.

Student Loan Repayment

Remember those loans that you took out to go to college? Well, it is time to begin paying them back. Some loans will give you a six month grace period. Do not forget about these loans or ignore them. Your credit will take a big hit and your credit score will go down. If you need help repaying your loans or cannot afford the monthly payment plan you need to contact the lender to make arrangements so you can pay something back and begin to get out of debt.

Find a Place to Live

After college, many young people are finding themselves back home. That is okay. If you are looking to make a big move now is the time to do it. You should move before you have too many responsibilities in one location. If you want to head to your dream location you should look for jobs in that area. You should also look for roommates to help with living expenses. If you are going to move to do so before you become tied down and it is much more difficult.

Learn Money Management

As an adult, you will be expected to pay your own way. Once you find a place of your own you will be paying for rent, food, utilities, and daily living expenses. You will need to learn how to develop a budget so you can handle your money. You will need to include the necessities and keep some money aside in case energy such as your car breaking down happens. When developing your budget you can include money for entertainment but it is essential that your bills are taken care of first.

Mental Health

You may have a hard time transitioning from school to work. You may not see your friends as often. It is important you take care of your mental health. There is nothing wrong with seeing a therapist to help with these feelings and keep your mind healthy.

These are some things you can expect to do once you graduate from college. While going to school is hard work, being a productive adult carries just as much if not more responsibilities. Once you have graduated, congratulate yourself for your hard work and then become a productive member of society.

 

5 Tips To Help You Study While You Travel The World

August 22nd, 2019

BY KATE LARSON

Travel the world while you’re young, they say. Unfortunately, most people are studying when they’re young, which means they probably have to pick between seeing Florence or studying for their midterms.

However, clever students can get away with studying on their holiday if they follow a few simple steps. To help their students study without compromise, during one of my travels, in Australia, I met some students from JMC Academy, Australia’s leading private college offering creative courses and they gave me the following advice:

 

1.   Prepare before you leave

To study while travelling, preparation is key. Make sure you get all the notes and keep a track of the passwords you use to access your institution’s online portal. Plan out your trip and take books only for the subjects you intend to study for.

 

2.   Embrace disruptions

If you take a flight out to your destination, you could have hours of uninterrupted study on board. While travelling to a new destination you can spend all the time you are locked into your seat to catch up with your notes. However, embrace the disruptions that come with being on holiday with friends and family. If you plan to study but your friends really want to go down to the beach, make a concession and go. It’s important for you to take frequent breaks and enjoy yourself.

 

3.   Make sure the internet is available

Online courses and even university notes are all available online now, so it’s essential that you have a backup plan for when the hotel wifi isn’t working. Try to buy a mobile internet hotspot which you connect to anywhere. Make sure you understand roaming charges and the terms and conditions of free wifi at cafes. Stay connected as much as you can so you can quickly Google something if you need to.

 

4.   Schedule fixed hours for study

Perhaps the best thing you can do to balance work and play is to have fixed hours for study everyday. If you finish all your work early in the morning, you free up the entire day to see places and have fun.

 

5.   Don’t study too much

Don’t forget you’re on holiday. When you’re travelling and trying to see new parts of the world, keep aside your books and take the time to relax. If you spend most of your holiday with your nose buried in a book, what’s the point of travelling? Don’t let life pass you by.

These five simple tips should help you strike the perfect balance between studying and travelling.

Kate Larson is a college student and aspiring blogger, who has a strong interest in the environment and personal well-being. She enjoys travelling and reading, as well as writing novels.

 

 

Paying for College By Becoming a Surrogate Mother : Pro And Con

August 21st, 2019

BY ANNABEL MONAGHAN

 The cost of college is so high that many people are afraid to pursue a college education without a practical plan for how they’ll pay for tuition. This has led many to pursue creative, out-of-the-box ideas – including surrogacy.

The Cost of a College Education

 Obtaining a college degree isn’t cheap. In fact, it’s downright unaffordable for most people. Even after accounting for inflation, college tuition prices have risen dramatically over the last couple of decades.

According to data curated by U.S. News & World Report, from the 2008-2009 school year to the 2018-2019 school year, in-state tuition among public universities grew by 68 percent. Without any intervention, it’s expected to increase even more in the coming decade.

For the 2018-2019 school year, the average cost of tuition and fees was $35,676 at private colleges and $9,716 for state residents at public colleges. For out-of-state students at public college, the average tuition was $21,629 per year.

In addition to rising tuition costs, students and their families also face stiff increases in fees. Schools that don’t want to advertise tuition hikes will increase the fees that students are required to pay in order to enroll and sign up for classes. These can add up to hundreds or thousands of dollars per semester, and leave very limited budgets for other college essentials like books or sleeping mattresses.

As one would anticipate, the high cost of obtaining a college degree means many students are graduating with significant amounts of debt. According to the latest reports, there are now more than 44 million borrowers who collectively owe $1.5 trillion in unsettled student loan debt. This makes it the second-highest debt category (behind mortgages, but ahead of credit cards and car loans).

Borrowers from the class of 2017 owe, on average, $28,650. The delinquency/default rate for student loan debt is 11.4 percent (despite a booming economy).

While some students have their college paid for by grants and/or loans, most students end up with an expensive estimate of what it will cost (with no guarantees that tuition will remain the same from year to year). This puts them in a situation where they have to choose between going to college and taking on enormous amounts of debt, or skipping college and minimizing their career potential and future earnings.

Students would be wise to first consider whether they qualify for grants or loans. However, for those who don’t have access to these resources, there are other options. These include creative and unconventional ideas. For female students, surrogacy could be an option.

 How the Surrogacy Process Works

 Gestational surrogacy is the process by which in vitro fertilization (IVF) is used to gather eggs from the mother, fertilize them with the father’s sperm, and place the embryo into the uterus of another woman who is willing and capable of carrying and delivering the baby. This individual is known as the surrogate mother.

Surrogacy has become increasingly common over the last few years. It’s commonly used when a birth mother is unable to carry a baby to term, or when delivery could pose serious harm. It’s also used in situations where two males want to have a child together and need a female to carry the baby. (Though an egg donor will also have to participate.)

The nature of surrogacy – and the circumstances surrounding it – create an opportunity by which the surrogate mother can earn a substantial sum of money for her participation. Depending on certain lifestyle factors, health information, and experience, a surrogate will earn at least $30,000. In many cases, surrogate mothers can earn $50,0000 to $80,000 per pregnancy. This does not include medical expenses and other accommodations, which are also compensated for.

The surrogacy mother process looks like this:

 

  • The mother begins by filling out an online surrogate mother application in which detailed questions are asked about lifestyle, pregnancy, work history, medical history, etc.

 

  • If the application is accepted, the mother is placed into a pool of surrogate mothers and matched with intended parents.

 

  • Once a tentative match is made, medical records are pulled, and evaluations are conducted to verify a good pairing.

 

  • Next, the IVF process takes place, and the embryo is placed inside the surrogate mother.

 

  • The final stage of the process is pregnancy and delivery.

 

The Pros and Cons of Surrogacy

 Whether it’s $30,000, $80,000, or somewhere in between, a single surrogate pregnancy has the potential to pay for three or four years of college and still leave money in your pocket. But this isn’t a trivial undertaking. It’s a serious matter with real consequences for everyone involved. If you’re considering it as an option to help you pay for college, consider the pros and cons:

 

Pros

 

  • Carrying a child for someone who is unable to do so on their own is a fulfilling experience that brings a sense of purpose and meaning. It’ll make you appreciate the beauty of nurturing a human life.

 

  • Surrogate mothers are legally protected, which means you don’t have to worry about paying for medical expenses, responsibilities after birth, etc.

 

  • As previously mentioned, the financial payout can be quite large. Regardless of whether or not you’re paying for college, it’s a hefty sum that can be used in numerous ways.

 

Cons

 

  • Pregnancy is not easy. It’s both physically and emotionally challenging. It may not be your baby you’re carrying, but you’ll experience all of the same pregnancy symptoms that any expectant mother would.

 

  • There are significant health risks associated with pregnancy and delivery. Modern medicine has mitigated many of these risks, but the possibility of complications always exists.

 

  • Surrogacy is a lengthy process that will usually take at least a year from start to finish. It’s not something you decide to do one day and follow through with the next.

 

Weigh All of Your Options

 The cost of a college degree is more expensive than it’s ever been. If you don’t have scholarships and grants, you need a plan for how you’ll pay for tuition. Surrogacy is one option, but there are dozens of others. Do your due diligence and find the one that’s right for you.

Annabel Monaghan is a writer with a passion for education and edtech. She writes education and career articles for The College Puzzle with the aim of providing useful information for students and young professionals. If you have any questions, please feel free to email her at annabelmonaghanwriter@gmail.com

 

Commuter Safety Tips For College Students

August 20th, 2019

BY BRIANNE SANDORF

Commuting to school is a far different beast from living on campus. While there are benefits to commuting (financial savings, living in non-student communities), it has its drawbacks. Commuting often means long travel times and can create a disconnect from on-campus activities. Most importantly, commuters also have unique safety concerns that on-campus students don’t deal with.

Here are some tips for commuting safely to your college campus.

Dress for the weather

Commuters who walk, bike, or use public transportation to campus are at the mercy of the elements. To avoid getting caught unprepared in unfavorable weather conditions, check the forecast before leaving in the mornings and dress accordingly.

On hot days, wear sunscreen and carry water. On cold days, dress warmly. This may mean wearing a hat, scarf, and/or gloves. If you do wear gloves, wear a pair with touchscreen-compatible tips. The last thing you want to do in the cold is remove your gloves to look something up or send a text.

Keep your vehicle secure

If you take a bike to school, keep it locked up. A stolen bike could strand you, which could lead to other safety problems.

Similarly, make sure you don’t park your car in a no-parking zone. Most colleges offer permits for on-campus parking. If you choose to park somewhere off campus, be aware of No Parking signs, fire hydrants, and red curbs. And don’t leave valuables in sight inside your car. You don’t want to tempt would-be thieves.

Keep emergency equipment in your car

Commuters who drive to school sometimes have to travel in rough weather. Or, even if it’s a mild, sunny day, your car could still break down.

First off, keep a car phone charger on hand so that you can call for help. Secondly, prepare for emergencies by keeping a roadside kit, a first aid kit, and a 72-hour kit in your backseat or trunk. 72-hour kits contain essentials like thermal blankets and enough food and water for three days. While most car trouble takes just hours to resolve, it’s better to be prepared with extra supplies than stranded with too few. If you live in a snowy area, you should also carry a shovel, an ice scraper, and rock salt.

Be a careful pedestrian

If you walk as part of your commute, follow traffic safety laws. At busy intersections, impatient students frequently dart into traffic during green lights. They make it to class on time…but they put themselves at risk of being hit.

It’s easy to tell yourself you’ll make it, especially when there are no cars in sight, but it’s dangerous to jaywalk or use a crosswalk without waiting for a traffic signal. Keep yourself safe by waiting.

Stay visible

Do you have early mornings or late nights on the road or at the bus stop? Wear something light, bright, and easy to see.

You can also consider wearing accessories that light up or carrying a flashlight. And, if you’re worried about being seen by the arriving bus, you can always turn your phone screen or flashlight on and wave it to make sure the bus doesn’t pass you by.

Defend yourself

When you’re walking or using public transportation, you might find yourself in an unfamiliar area or with someone you don’t know. Most people are harmless, but a small percentage are predators. So make sure you have a way to defend yourself.

Many college campuses don’t allow firearms, but some offer self-defense classes. You can also invest in pepper spray, a stun gun, or a keychain knife if your state allows it. As a last resort, thread your keys in between your fingers to create a makeshift weapon.

Have a plan for late nights

If you have to go to campus at night for a class or activity, be cautious. Walking around late is risky, especially if you’re on your own. Your first move should be to let someone (a roommate, a parent) know where you are and when you expect to arrive home.

Campus safety escorts are a common safety measure, so if your school has them, take advantage of the service. If you’re feeling unsafe, request an escort and stay put until they come. If you choose not to use an escort or your school doesn’t offer this service, stay in well-lit areas. Don’t venture off the beaten path, even if you have a good reason.

Brainstorm ideas for your specific commute

The tips listed here are useful, but they aren’t the only things you can do to protect yourself. For maximum commuter safety, think about your commute and identify any other potential concerns. Whether you walk, bike, drive, or take public transportation to campus, be aware of the risks and plan accordingly for a safe commute.

Byline: Brianne Sandorf has spent five years writing professional, research-based content. Previously, she worked on an award-winning gun safety course and served on a workplace safety committee. Brianne has a degree in English and creative writing from Westminster College.

8 Things to Consider When Choosing Student Housing

August 19th, 2019

BY LINDA ANDERSON

Finding the right student accommodation is a crucial step in your college life. It is where you will live, study and spend a large part of your college life and hence, it is important to make the right choice. Finding a good student housing near your university is not very different from searching villas for sale in Dubai: there are plenty available, but to find the right one, you need to take into consideration several factors.

Distance

Distance from your classes is very important as you would not want to waste your time and money in commute. It is best to look for a property from where you can either walk or cycle or just take one single transport without changing, to reach your classes.

Area

Do a detailed research on the area before you pick your housing. Make sure it is safe, peaceful and has the necessary connectivity. A good location is worth sacrificing some amenities. For example, when buying an apartment, you would rather go for a smaller place in Citywalk apartments than a 3BHK somewhere less posh.

Budget

Fix your budget before you go house hunting and start looking a little lower than your higher cap. Under no circumstances should you exceed your maximum budget. Don’t go overboard in a rush and get stuck with paying more than you can afford.

Convenience

When selecting your student housing make sure you look into the necessary conveniences such as supermarkets, affordable eating options, medical help, connectivity etc so that you do not have to spend a ton of money on travelling out of the neighbourhood every time you need the smallest thing.

Sharing companions

If you are planning to move into a shared accommodation with your friends make sure you know these people, their habits and quirks before you decide to move in. If your friends are looking for an accommodation together, always get a place which has enough space to provide privacy to everyone.

Bathroom

A good bathroom is a nonnegotiable part of life. So, before you go ahead and sign up for a housing, make sure you check the bathroom and use the toilet to ensure that it is in flawless working condition. You do not want to de-clog your toilet with a plunger every time you use it.

Temperature control

While it does not sound the most exciting thing to look into, temperature control is an important feature you need to look into, in your student housing. When you come home in a freezing weather or sweltering heat, you would definitely want to come back to comfortable moderate temperature.

Personality

You are here to study and to do that the best, your housing should be suited to your personality. Factors like whether you like friendly, chatty neighbours or a place with pin drop silence, whether your choice is a place with a touch of nature or the bustle of the city etc. should help you find the right place.

Your student housing is going to be your home where you will live, study and make memories, so take your time and choose carefully.

By line for Linda Anderson
I’m a writer and musician residing in Boise, ID in the United States, although I spent a small amount of time (about three years) living in the UK growing up, due to my father’s occupation. I graduated from the College of Idaho with a Bachelor’s Degree in Business and a focus in marketing in 2014.

How to Get Out of Student Loan Debts Slowly but Surely

August 16th, 2019

BY LINDA ANDERSON

Student loans are the harsh reality of education. Every year thousands of students are faced with crippling loans in exchange for a degree but given the current political priorities, there is not much hope. Whether you start working immediately or start a business with the help of a Hounslow London based firm like Fusion Accountants, you need to ensure that you have a solid income and some goals. You might feel the urgency to get rid of your student loans but do not mess up your finances in the process. Instead start working on a sure shot, if necessary slow, plan to get done your student loan debts.

Make a budget that you can stick to

It is a good idea to make a budget for your expenses so that you can allocate a certain amount towards the repayment of your student loans. This will help you manage your finances better as you allot money for all your expenses and don’t have to worry about spending all your money without paying your loan installment. Make your budget realistic and not too rigid so that you don’t have to cheat on the budget often.

Never miss a payment date

Missing your loan payment date can be extremely bad for you. It is definitely not good for your finances if your loan payments go into default as it can lead to adding fines of quite exorbitant amounts at times, to your next payment. This simply increases your student loan value. Moreover, a default payment is terrible for your credit scores. If necessary, enroll in an auto payment plan which deducts a fixed amount towards your loan automatically.

Make extra payments whenever you can

Whenever you come across any extra money, instead of spending it on something indulgent, invest it on pre-payment of your student loan. If you get a little bonus or raise at work, or even a birthday or holiday gift of money from your family, resist the temptation to spend it on something fancy which you know you do not really need. Instead make an early payment on your student loan to get out of your debt. This will help you get done with debt sooner than your estimated goal.

Look into employment ideas

The best way to repay your loan is to earn more so that you can make the payments.  A smart way to do this is to take up another job to supplement your income. But if you don’t have the time, you might look into business opportunities or freelancing which will help you earn yourself an extra income with flexibility of time and money. You can take help of a chartered accountant to maximise your income and thus, to repay your loans quicker.

Taking better care of your finances will help you repay your debt easily as well as to save up some money for the future. Do not get into any other debt and simply look after your credit score and it will be soon that you are done paying your student loan debts.

By line for Linda Anderson

I’m a writer and musician residing in Boise, ID in the United States, although I spent a small amount of time (about three years) living in the UK growing up, due to my father’s occupation. I graduated from the College of Idaho with a Bachelor’s Degree in Business and a focus in marketing in 2014.

Can’t Find Your Focus in College? 7 Tips to Overcome Attention Issues

August 15th, 2019

BY ANTON LUCANUS

 Blame smartphones: Students are more distracted than they were a few years ago.

Thanks to our digital devices, the average person’s attention span is now a mere eight seconds. That’s four seconds shorter than when Microsoft researchers first studied the subject in 2000, or around the start of the mobile movement.

Although spending less time on your smartphone is a start, it’s only part of the solution. Internships, test prep, and everyday college life involve distractions that can’t be put away in your pocket.

Retrain Your Brain

When your mind is on your inbox or Facebook feed all day, it shows. Whether you’re traveling, working, or taking summer classes, you need your focus. Here’s how to find it:

Skip Illicit Substances

 Pharmaceutical drugs may help some students cram for tests, but they’re a short-term solution at best. Not only is off-prescription use illegal, but ADHD treatment experts are finding alternative solutions are more effective even in clinical cases. Plus, amphetamine abuse raises health risks, from heart arrhythmias to sleep disturbances to addiction.

 Get More Sleep

 If you’ve ever pulled an all-nighter, you know how much lack of sleep scrambles your brain. Harvard Medical School warns that sleep deprivation inhibits acquisition, consolidation, information recollection. Without adequate sleep, your short-term memory can’t store the information you need for complex reasoning. Particularly the night before an exam or job interview, be sure you get at least eight hours of sleep. Importantly, stay up to date with the latest trends in sleep science, for example the benefits of weighted blankets. This will help reduce insomnia, sleep apnea, and other related conditions.

Get More Cardiovascular Exercise

 There’s a reason universities encourage physical activity, and it’s not just that sports teams attract students and alumni contributions. In both children and adults with clinical attention disorders, physical exercise improves cognitive performance and social-emotional functioning. In order to maximize the functioning of your brain – and thereby enhance cognitive functioning – you need healthy blood flow and circulation throughout your body. Thus, it should come as little surprise that aerobic exercise that targets the body’s cardiovascular system is key to enhancing intelligence.

The health and fitness community has long suggested getting at least 20 to 30 minutes of moderate to rigorous physical activity per day. For best results, set your sights a little higher and go for 45 to 60 minutes of uninterrupted exercise.

One way to achieve this is simply to get a dog as it has been scientifically proven that having a dog will encourage owners to lead a less sedentary life. Roy Stein, dog lover and founder of Babelbark has introduced a health monitor on their app that can track your dog’s activity level on your phone.

“More than half of America and their pets are overweight, do yourself and your furry friend a favor and get off that couch,” says Stein who believes that having a canine companion can help fight obesity in America.

Meditate

 If you’ve never meditated before, know that it’s a lot less intimidating than it sounds. Try sitting under a tree and listening to your breath for a few minutes. Don’t judge your breathing, yourself, or other people around you. If your mind wanders, gently bring it back to your breath. After 10 minutes, quietly open your eyes and ask yourself how you feel.

Eat Lightly

 You know from experience that you shouldn’t skip lunch before a big test. As it turns out, you also shouldn’t overeat. Yale Medical School researchers found that moderate hunger might stimulate focus because it marshals the mind’s resources around a single task. Go in slightly hungry to a long exam or job interview, but eat a hundred calories or so every couple of hours. That way, you’ll stay in that sweet spot where hunger’s attentional advantages outweigh the stomach’s cravings for food.

Hydrate

 Especially if you work or exercise outside in summer, it’s easy to get dehydrated. An Emory University study found that just two hours of yard work is dehydrating enough to impair attention. Whether you’re outdoors or indoors, carry a water bottle with you. If you need a reminder to drink from it, set an hourly reminder on your phone or watch.

Minimize Multitasking

 You might think multitasking makes you more productive, but you’d be wrong. When Stanford University researcher Clifford Nass studied frequent multitaskers, he found that they actually fared worse than their peers at distinguishing relevant and irrelevant details. This applies to people of almost all professions, from a medical doctor to a personal injury lawyer. Instead of trying to juggle multiple tasks at a time, prioritize. First tackle the most mentally challenging and time-consuming ones — those that require the most concentration — before turning one by one to the easier things.

You can’t escape technology in the classroom or workplace, but you can protect your mind in other ways. When in doubt, follow mom’s advice: Don’t use drugs, get enough sleep, eat right, and drink plenty of water. And if you forget, she’ll surely remind you.

Byline – Anton Lucanus is the Director of Neliti. During his college years, he maintained a perfect GPA, was published in a top cancer journal, and received many of his country’s most prestigious undergraduate scholarships. Anton writes for The College Puzzle as a means to share the lessons learnt throughout his degree and to guide current students to achieve personal and educational fulfilment during college life.

 

 

How Much Does Your College Lifestyle Affect Your Future Career

August 14th, 2019

BY SAMANTHA BROWN

 

We make a lot of different lifestyle choices in college, and most of them are aimed towards making the most of the four years of freedom. There is little thought about consequences- after all, how much can these choices affect our future life?

The truth is, the choices that we make during our college life do have a profound effect on our future career and life. Your college life can mould you into the person that you become in the future, which is why it is important to adopt certain habits that will prove beneficial to your career post-college. Here are some of the ways in which decisions during your college life can directly affect your future:

  1. Not saving money

College life comes with its fair share of expenses, and almost every day students are required to spend on something. While some expenses, like textbooks and rent, are unavoidable, others can be easily prevented. It would do you good if you cultivate the habit of saving money from early on in your college days because this will help instil a philosophy of financial responsibility and saving, which will benefit you when entering the job market. With dedication and willpower, saving money can be a rewarding habit. Think of it as an investment- the more you save now, the less financial stress and increased financial freedom you’ll have in the future.

  1. Choosing your accommodation

It might sound unlikely, but the kind of place you live in during your college days also plays a role in how you will turn out to be in the future. Living alone develops a sense of freedom, independence and enables you to better take control of your life. For example, you can choose any home office furniture you like, you can make your own shopping decisions in short, you become a free spirit.

On the other hand, living with roommates can save money, develop friendships and a sense of comradery that may prove advantageous for surviving college and growing as a person. The enhanced social setting of shared living environments can help you develop precious contacts that may come in handy in the future.

  1. Borrowing excessive money

This is one of the bad habits that you should strive to avoid in college.  Because of increased expenses in various fields, students are compelled to borrow money from their peers or go into credit card debt. This bad habit can affect your future endeavours as well. If you develop a habit of borrowing money without any idea about how you are going to return it, it can reflect badly upon your name in your future job industry. Also, credit card debt is a real and serious thing that can land you in jail if not cleared on time, so be sure to make careful choices about your expenses and how much money you borrow.

  1. Spending without consequence

We are all tempted to spend more than we can afford to in our college days. There is so much to do, and so much to buy. However, uncontrolled spending can lead to developing the dangerous habit of poor financial responsibility. In business, you will be required to make strategic decisions- decisions that will allow you to make the most profit. If you are too keen on spending unnecessarily, your business may take a turn for the worse. So keep an eye on your expenses, and try not to go overboard with the shopping and takeout.

 

What you should learn from college- to be financially secure.

No matter where your life takes you after your college days are over, and no matter what field you start working in- one thing is for sure, you will be required to be financially responsible. Whether you are running your own business or working in the corporate sector, the money that flows in will vanish quickly if you do not make an effort to hold on to it.

Developing responsible spending habits is an important aspect that you should start working on early in your college life. We say college life because college is the time when you begin taking charge of your own finances. How you spend money and or what you do with it, is entirely your own business. So, taking this into consideration, it is important for you to take your finances seriously. The more you save, the more you can assure yourself of a financially secure future.

What about the fun?

There’s an age-old adage which says that one does not need money to have fun. And that stands true. The occasional splurge is fine, but if you spend an exorbitant amount of money every day for the sake of fun, it will become impossible for you to save any amount for your future prospects.

The best way to deal with the temptation to spend money is to plan out your expenses. Make sure that your necessities are covered, and you are putting in a certain amount in the bank each month under your savings account. Use the rest to have the time of your life. Trust us, years later, you will thank yourself for the money you put aside.

Conclusion

Everybody loves college life, and it is the prime time for individuals to let their hair down, learn life lesson, and (occasionally) be carefree. However, a little amount of sacrifice during these days can translate into a lot of security during the future. Your college life will affect your prospects, not only by sharpening your skills in your particular field but also by making you more worldly-wise. The experience and exposure you gain during your college life will work wonders for your future career prospects!

By-line

Samantha Brown is a freelance writer who specializes on carrier guidance, she is also motivational speaker and author

 

 

10 Tips to Crack the Campus Placement Interview

August 13th, 2019

BY SOPHIA THOMAS

Majority of today’s colleges organize campus placement drives to give their students a career opportunity right after their college education.

There are several factors that the companies look for in their potential employees. You need to have a good awareness regarding these things to be successfully employed at one of the companies.

Below is a discussion regarding the same.

  1. Know The Company

There might be a variety of companies where you might apply for jobs. When you sit for their placement, it is important to have extensive knowledge about these companies. For instance, if it is for a renowned luxury watchmaker Omega Speedmaster, it is necessary to know details like name of the CEO & founder, history, products and services provided, their location, and milestones, among others. Though most companies hold presentations before their recruitment drive, it is important to be informed about these details. Remember to speak without hesitation when the opportunity arrives.

  1. Tailor Your Resume

One thing that can distinguish you from the other candidates is the resume. You have to spend a fair amount of time researching and then preparing an excellent resume. It is mandatory that your resume has to be tailored according to the company and the job profile you are looking for. You may take help from your friends or acquaintances in the same company or gather sources through the internet and take suggestions. Get feedbacks if possible and ensure that the resume is clear and concise

  1. Prepare For The Interview

Once you have prepared the resume, you can prepare for the interview. Different companies have different strategies for campus placement. Hence, it is again important to understand the preference of each company and then prepare accordingly. You can take help from your seniors who have been through the same process and start your preparation. There are usually several sections of an interview such as the aptitude test, group discussion, and technical and HR interview. The aptitude tests will examine your problem-solving and decision-making skills. Further, Group discussions are equally important. It tests your skill to interact, lead a discussion, and to listen to others’ opinion. Make sure that you stay active but not too submissive or assertive.

  1. Positive Interaction With The Interviewer

Be confident but not too brash. Make sure you enter the interview with a relaxed mindset. If possible, attend a few mock interviews before the main interview date. Answer the questions sensibly. Since the interviewers themselves had been students, they would have a fair idea about the processes.

  1. Do Not Forget Basic Etiquette

Make sure you are not late for the interview. This would have a huge impact on your interview outcome. Further, dress neatly and trim your nails. Interviews test your level of professionalism. Therefore, proper etiquette and formal attire are essentials. This applies even if they have an informal dress code for the employees. Wear a formal dress according to the situation.

  1. Get Ready For Behavioral Questions

These are questions directed at you so that they can know more about your application and experience in the concerned competencies. These questions will test your personality and help them understand very important characteristics about you. There could be questions like how you manage to cope with the exam pressure, or how you manage to do the project while attending the college full time.

  1. Display Your Communication Skills

Everyone communicates in a conversation. However, communication is not just confined to reading, writing or through a message. Instead, companies look for someone who can choose their words very carefully. They look for someone who can pick the right words, vary their tone, and know when to take a pause. Besides, they should know to listen well and use a positive body language. Hence, it is advisable to learn a few of these skills by making changes in your ways. You can practice conversing like this with your friends. Further, you may observe your colleagues and their manners during internships. These conscious changes will show positive results in the interview performance.

  1. Prove To Be A Team Player

This is one of the major attributes that companies look for. College projects are usually assigned to a group of students. This is to make sure that they work well in a team and make their contributions. Besides, this would prepare them for performing well as a team player in their careers. You can showcase your ability to perform well in a team by showing your contribution to your college project.

  1. Leadership Skills

Companies fancy leaders who can take responsibility for their teams and lead them to progress. Hence, leadership quality is a bonus if you can demonstrate it to the interviewers. It is a combination of several factors like organizing skill, entrepreneurial skill, and influencing skill. Hence, take part in activities in college days. Get into leadership roles and perform as good as you can. These activities will come in handy for your campus placement.

  1. Be Careful Not To Speak Too Much

Be concise and stick to the point during your interviews. It is better not to try and impress the interviewer by being quick. This way, you may end up not listening properly and giving the wrong answers. It is a good thing to admit mistakes instead of arguing for it. Inform them that you do not know the answer or admit the mistake. You will be appreciated for your honesty. If you are unclear about an answer, make an educated guess if it is permitted.

 

Bonus Tip: Do Not Lose Courage And Hope In The Middle Of The Interview!

The interview is not finished and the decision regarding your job will not be made until the interview is finished. Hence, it is important to keep your confidence level constant till the end. Some people lose their confidence if they feel they have given the wrong answer. This will only reduce your chances. Instead, if you are confident, it will improve your chances of getting hired.

 

BYLINE: Sophia Thomas is a media professional with over 6 years of experience, I like telling people stories on Student development, Women’s Empowerment & Entrepreneurship

 

Bad Money Habits Developed in College: How to Get Rid of Them

August 12th, 2019

By Sienna Walker

Students have a tough time. It’s difficult to be a full time student and keep your head above water. School is expensive, stressful, and time consuming. Many students also work part time to supplement their budgets. There’s a lot to juggle, and it’s easy for highly important priorities to get lost in the shuffle. This often leads to students making some glaring mistakes with their money, and unfortunately, some of these habits stick with them long after graduation.

1. Throwing Money at Junk Food

When you’re a busy student, the idea of grocery shopping and preparing meals feels almost impossible. Instead, you order pizza or settle for soggy, fatty drive-thru burgers. Of course these meals aren’t healthy – that’s a separate debate all on its own. In truth, setting a grocery budget and cooking your own meals is healthier for both your body and your bank account. You might still be leading a busy life after graduation, especially if you’re working hard at your dream career, but your time can be mitigated by meal prepping on Sunday nights.

2. Using Credit Cards like a “Get Out of Jail Free” Card

Credit cards can sometimes be helpful in an emergency, but if paying your water bill every month is an emergency, it’s time to do some restructuring.

Relying on credit cards for basic living expenses, like rent, groceries, or utilities, typically indicates that you are living beyond your means. You’re never going to get ahead of yourself if you’re charging the most basic things to your credit card. If it’s on your credit card, that means you can’t afford it. Cut back in other areas and save the credit card for unplanned expenses or a (very) occasional fun night out.

3. Improperly Managing Your Savings

Having a savings account is excellent. You probably had one in college, even if the amount was less than impressive. You may have grown into the habit of tossing some cash into your savings account and allowing your willpower to take over so you don’t dip into it. Unfortunately, savings won’t really do much to help that money grow.

Instead of relying on a low interest rate to accumulate over time, consider investing your savings. There are a wealth of options for investments. There’s the traditional route of the stock market, which many busy people choose for its minimal level of commitment. Then there are slightly more labor intensive methods, like residential real estate investing. Choosing an investment method largely depends on how hands on you want to be.

4. Keeping Your Budget in Your Brain

Once people get into the swing of things, they tend to operate by force of habit. They roughly know when all the bills are due, and a quick check of their bank account balance lets them know where they’re at. Without an actual budget however, they’re likely to struggle. You might have got by without one when you were still in college, as there were fewer expenses to remember, and perhaps you even had the help of your parent. Now however, if you want to have more money, you need to plan carefully, review your spending, and determine where cuts can be made.

Create a calendar and mark dates with what specific amount of money is going in and coming out at any given moment. Keep your receipts for the things that you purchase. Add up what you spend and compare it with what you have left. Would it be a wise decision to cut cable TV and switch to online streaming services? Would a budget grocery store save you enough money in food costs to cover a bill every month? You won’t know without a stable budget.

You learned a lot in college, and you can learn a lot now. Your circumstances and your income are likely very different from the way they were when you were a student. The sooner you teach yourself to be an expert at managing your money, the more money you’ll have for the next big chapter in your life.

 

About the author:

Sienna Walker is an experienced careers and self-improvement blogger with a deep love for creating smart, passive income. She is often found on educational forums, sharing her learning, work, and money management tips with students. Privately, a huge fan of traveling.

 

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