college expenses and Financial Awareness
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college expenses and Financial Awareness
Examining how college expenses are being impacted and influencing students and the work force in current news stories/articles.
Curated by Nate Wilson
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A College Degree's Value Vs. the Level of Debt

A College Degree's Value Vs. the Level of Debt | college expenses and Financial Awareness | Scoop.it

"With tuition and student debt skyrocketing and dim job prospects awaiting many graduates, states are trying to show residents what kind of return they can realistically expect for investing in a degree from a public college or university."

 

"That’s why Virginia, Tennessee, and Arkansas are collecting salary data on their graduates and posting it online at www.CollegeMeasures.org..."

 

"Before picking a major at a public university, students in three states can go online to see how much money recent graduates are making."

 

Read more: http://www.businessweek.com/articles/2012-12-20/calculating-a-college-degrees-true-value#r=lr-fst

 


Via Ken Jondahl
Nate Wilson's insight:

This interesting article addresses a solution that several states have found to issue of students stuggling finnancialy because of low return-on- investment colleges and degrees. These states have instituded a system to keep records of students, their college, major, and career. The data they collect is then compiled and made available in the form of general statistics to help inform students making future college/education/career choices. This same system had been proposed on a national scale but denied/stalled. These statistics would prove very influencial on student decisions who in turn effect which colleges and courses get the best students.

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Ken Jondahl's curator insight, March 2, 2013 10:11 AM

To remove the emotion around the cost of college. Look at a college degree as an investment in your future.

 

Second, balance any debt you will take out against your personal ability to pay it back. The rule is 10 by 10. Using 10% of your take home pay, (after tax), be able to pay off all student debt  in 10 years or less.

 

Third, use current salary information around the job title you are going after when you calculate paying back your loans. (There are lots of surveys around every profession, seek these out, go in eyes wide open.)

 

Fourth, look for a school which will help you graduate in the normal time period for your degree. Many students take 5 years to graduate for a 4 year degree. No big deal, but this pushes up student debt by 25%.

 

NOTE: A small hidden fact around federal student loans. They are no longer forgiven in any way if you default. Yes, you can walk away from a loan and default. However, they can and will take money out of your tax refunds and/or social security payments longer term.

 

If you doubt this, simply google: "social security federal student loans".

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Best Financial Apps For iPhone And iPad - Top 5 iOS Financial Apps For iPhone ~ Geeky Apple - The new iPad 3, iPhone iOS6 Jailbreaking and Unlocking Guides

Best Financial Apps For iPhone And iPad - Top 5 iOS Financial Apps For iPhone ~ Geeky Apple - The new iPad 3, iPhone iOS6 Jailbreaking and Unlocking Guides | college expenses and Financial Awareness | Scoop.it
Finance Apps For iPhone iPad Bill Tracker Best financial iOS apps for iPad and iPhone Balance top 5 iOS financial apps iTrade for iPhone4S and iPad3 appstore mint...

 


The App Store holds a huge number of different apps that can entertain you when you have nothing to do and be useful in your everyday life. Among those useful apps we can mention those that can help you manage your personal finances or get the latest info on the world’s stock markets – if you’re interested.

 

There are thousands of financial apps on the App Store, and dozens of new ones are made each day, so it’s really hard to navigate through them. That’s why we’ve collected this list of the top 5 financial apps for the iPhone.
5) Bill Tracker Bill Tacker is an app designed to ensure that you never pay a bill late again. You simply input your bill details and set up reminders so that your phone will alert you when a bill needs paying. The app will tell you how much you owe and keep a track of your payment history.
4) Balance Few apps in the App Store are as simple or as easy to use as Balance. An app that lets you manually enter financial transactions gives you the feeling of being more directly in control of your finances, and this is what Balance offers. Whenever you make a purchase or pay a bill, you can input the details in to the app which will the recalculate your balance. A great app for keeping you in touch with finances.
3) iTrade If you are interested in investing in the stock market but are afraid to risk your own money, giveiTrade a try. The app lets you create and manage a stock portfolio and provides you with information, news and history graphs related to the markets. At the end of each month the app will calculate the top players. This app may be a game for mobile phones, but it is excellent for learning about the stock markets and preparing you for real investment.
2) PageOnce This app is the complete financial tool, allowing you to keep track of finances, pay bills on the move, organise accounts and keep tabs on investment portfolios. With this app you can organise and track everything from frequent flyer miles to mobile data allowance. A must have for every iPhone owner.
1) Mint.com The mobile version of the popular computer-based personal financial management tools is the most user-friendly and efficient budgeting tool around. By signing up for a free Mint.com account, this app allows you to connect securely with multiple accounts and track and manage expenditures. You can manually enter cash transactions and see how much money you have available to spend on certain areas of your budget, for example, food or petrol. The Mint.com app is free from the App Store and a must have for everyone.


Via ehhmad
Nate Wilson's insight:

Techonology is best used when it makes your life easier and more efficient, especially when it comes to saving money. The apps this article refers to provide great ways to better mange your money using budgeting and tracking your electronic money transfers. 

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Don’t Let College Become Your Personal Fiscal Cliff — Straight Talk: College Education Blog

Don’t Let College Become Your Personal Fiscal Cliff — Straight Talk: College Education Blog | college expenses and Financial Awareness | Scoop.it

Read the Online Education Blog covering topics on online education, college admissions and paying for college.


Via StraighterLine
Nate Wilson's insight:

This article awknowledges that the amount of investment many students put into their college education can become a risk as to whether they'll be able to successfully utilize their oppurtunity and education to help them earn money later. Very insightful.

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StraighterLine's curator insight, December 11, 2012 12:50 PM

73% of high school graduates don't graduate from college. Don’t Let College Become Your Personal #FiscalCliff

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Sound Advice For New College Students

Earning a degree form a college or university can be the difference between whether you end up working a “job”, or end up with a satisfying, and well-paying, (#Textbooks : Sound Advice For New College Students - Earning a degree form a college or...

Via Jason Nowlin
Nate Wilson's insight:

This article makes note of the current difficulty it is to pay for colleges and planning a successful career. To lighten the load this article suggests spending less on Text books that you use for your classes. The best alternative is to buy used text books instead of brand new ones.

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For 20-Somethings, Ambition at a Cost

For 20-Somethings, Ambition at a Cost | college expenses and Financial Awareness | Scoop.it
For 20-somethings in creative fields, the work — often unpaid — never seems to end. Nor do the days. ("The No-Limits Job" via @nytimes http://t.co/AxhYPCpKjq ...
Nate Wilson's insight:

This article explains and explores the issue that many people coming out of college are experiencing in the work world. I can learn and prepare for the current rising issues by studying and building my portfolio to land the jobs that will benefit me the most.

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Personal Finance Budgeting

Personal Finance Budgeting | college expenses and Financial Awareness | Scoop.it

Are you looking to deal with your financial situation? This personal finance budgeting software is a wonderful tool that can help you in achieving financial independence. There are also three extra ebooks that come along with this.


Via Ian Parker
Nate Wilson's insight:

This article provides some great advice on budgeting, and powerful tools to manage your money effectvely. You can't be careful enough with your spending and money management. 

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Seven money saving tips YOU SHOULD IGNORE

Seven money saving tips YOU SHOULD IGNORE | college expenses and Financial Awareness | Scoop.it
IF someone tells you they can help you make more money your ears are likely to prick up.

Via Webgrrl
Nate Wilson's insight:

In planning my future finances it's very important I void pitfalls and false advice. This article distictly calls out 7 loose ended pieces of advice. Everything from simple purchases, lifestyle spending, to investments.

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Webgrrl's curator insight, April 4, 2013 12:35 AM

Two finance experts to point out the most common misguided money-making tips they come across, and why they are just plain wrong.

Kameron's curator insight, April 8, 2013 2:39 PM

insight

this scoop is help full cause it tells the things you shouldnt listen to when people talk about money to get rich and instead of buying these things just sell them so that one way you can get money.

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10 Essential Talks on Higher Ed | Online Universities

Use the following videos and audio tracks to broaden horizons and perspectives on American higher education today ... maybe even tomorrow.

 

1. Privatizing Higher Education and Museums in Turkey

2. Excerpt of Anya Kamenetz: DIY U: The Coming Transformation of Higher Education

3. Arguing Affirmative Action/What’s the Purpose?

4. Paul Reville: Tenth Annual Lynch School of Education Symposium Series

5. Capitol Perspective: College Affordability

6. Charting the Future of US Higher Education

7. Paying for College: Rising Cost of Higher Education

8. Shakespeare and the Bottom Line: Marketing Higher Ed

9. Preparing Students for College

10. Limited Access to Higher Education


Via L. García Aretio, João Greno Brogueira
Nate Wilson's insight:

This article offered a whole host of insightful perspectives of the prevelant issue of high education funding and it's implications. Each speaker has great ideass and thoughts about the current issue it's possible outcomes/implications and possible resolutions to the crisis.

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Students rely on scholarships as college tuition increases

Students rely on scholarships as college tuition increases | college expenses and Financial Awareness | Scoop.it

Paying for college is a big task for many students, especially as the cost of tuition continues to increase.... http://t.co/z6sNNA4h


Via Gianfranco D'Aversa
Nate Wilson's insight:

This article helped me get an idea of what the national college tuition crisis is like. While even the lower end colleges are contiually upping' their tuition and sturggle to keep it from rising even more. Also it suggests an increase of state funding for colleges and that WI is making a push to release some scholarships. I should be on the look out for more scholarships showing up.

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Gianfranco D'Aversa's curator insight, February 2, 2013 10:16 AM

Paying for college is a big task for many students, especially as the cost of tuition continues to increase.... http://t.co/z6sNNA4h