All posts by lucille

Advice for Reducing Debt

Are you drowning in a sea of consumer debt? Whether you’ve racked up credit card bills for purchases or are trying to dig out from a mountain of medical bills, help is on the way. So many people are one paycheck away from losing their homes or maxing out their credit card spending limits. Regardless of the circumstances that led to your debt issues, follow these recommendations from the financial experts for concrete solutions to begin climbing out of debt.

To change your circumstances, you need to not only have a goal, but also a plan and a strategy for executing that plan.  Be detailed and methodical and you’ll lose the stress and regain the pleasure of sleeping through the night. Use a spreadsheet or a legal pad and list all balances owed on credit cards, charge cards and medical bills as well as minimum payments.  Arrange these from the smallest outstanding a balance to the largest. Take advantage of the awesome savings offered by Groupon coupons and pick up basic office supplies from the selection and value available at Walmart.

There are two ways to reduce debt. The first, and sometimes the least complicated, is to secure a part time position. Earmark all of the earnings towards debt reduction.  Depending on your current circumstances and the logistics of a part time position, this may or may not be possible.

The second option for reducing debt is to reduce discretionary spending and earmark the savings towards reducing your debts.  On a daily or weekly basis, at first glance, it might not appear as though discretionary spending is very high. Consider the amount spent each day on designer coffee and lunches with coworkers. This can add up to several thousand dollars a year.  Remind yourself that short term frugality will result in the reduction of your debt in the long term.  Turn every dollar over during this period of debt repayment. Cancel subscriptions, no matter how small the cost and earmark those savings towards your goal.  Finally put something that represents your freedom from debt on the refrigerator or bathroom mirror to remind yourself each day of the goal you’re working towards.…

Read more

Thinking About Dropping Out of College: 4 Factors to Consider First

If you’re thinking of dropping out of college, we’re sorry this seminal life experience isn’t turning out the way you may have hoped it would. That said, college is an incredibly important part of your education, so you should consider staying in and dealing with what’s upsetting you. If you don’t, you might end up throwing the baby out with the bathwater. Here are four factors to consider before making a drastic decision.

Earning Potential

There is simply no getting around the fact that you will earn less than your college-educated counterparts if you don’t stay in school. Unless you’re a phenom in a particular field and can prove that to an employer, you’ll find it very, very difficult to find a decently paying job with upward mobility. Speaking of money, if you’ve already been in school for a few semesters, you’ve spent cash you won’t get back. If you leave, you’ve essentially spent that money on nothing.

There Are Many Types of College

If you’re looking at dropping out because your particular school doesn’t work for you, have you considered an alternate education? Many students are getting their associates or bachelor’s degrees online these days. Community colleges are also seeing an uptick in attendance, given that they cost far less than more traditional universities. Whatever the reason you’re not feeling where you are, dropping out of school completely isn’t going to do you any favors. Look into other educational options that might suit you.

Exhaust All Areas of Help

Have you been to a guidance office? Talked to your academic advisor? If you haven’t, you’re missing out on wonderful opportunities to help yourself if you’re unhappy with your current situation. There are lots of things a particular school will do to keep you. They might be able to offer you financial aid assistance, class adjustments or just be a listening ear. If what you’re feeling is frustration and homesickness. Know you aren’t alone and there’s lots of help out there.

It Isn’t Just About the Money

While you’ll waste a significant amount of money in both tuition and opportunity cost, if you drop out of school, you’re missing out on a great opportunity to expand your mind. Getting away from home at least once in your life will show you some different ways to live. You’d be surprised at how exciting it can be to see different possibilities. We could talk up and down about how you shouldn’t throw away an opportunity to go to Stanford University. We could tell you till we’re blue in the face that there are more job opportunities for masters of accounting graduates than there are for people who don’t finish school. Neither of those things hits on one of the most important benefits of staying in school: your social education.…

Read more

5 College Entrance Exam Preparation Tips

If high school weren’t stressful enough, the college entrance process is even more challenging. There are applications, interviews, campus visits, and exams. Those tests such as the ACT are designed to gauge your college readiness and present questions in a number of ways. If you practice these ahead of time, you can better understand the test format and what you are getting into. Five great exam preparation tips are as follows.

Preparation

There is a reason you see so many test prep resources everywhere. You won’t find the exact questions that will be on the upcoming test, but you’ll see past ones and examples of the types of phrasing you will encounter. Testing for college requires practice if you want to score well. Read the basic directions, make full use of your test booklet (figuring out how to eliminate answer choices, solve math problems, or find details in passages), and practice your timing.

Develop a Timeline

Know the test dates and sign up for one. If you know when you are going to take the SAT or ACT, you can create a study schedule. Start slowly at first. You don’t want to burn out; instead, give yourself time to get the hang of the test, study materials you are less familiar with, and take sample exams in a simulated test environment.

Review Grammar and Math Basics

The exam might test some basic concepts you haven’t seen in a couple of years. Lately, your goals may have been to learn how you can obtain a masters in public health online. Fundamental grammar and math rules, however, should be a priority now. In the case of the ACT, math formulas are not provided. You must have them memorized, so adequate practice should be completed ahead of time.

Fuel Your Body

Cramming all night to make up for lost time is never beneficial. Neither is eating junk food and drinking soda the day before. In addition to getting a good night’s sleep, eat a hearty meal for dinner, and bring a healthy snack with you on test day. Some water during breaks is a big help as well.

Think Positively

Try to keep out negative thoughts about taking the test. The more positive your attitude is, the less likely you are to doubt yourself and freeze up. Prepare as much as you can for the topics that you struggle with most. After a few final brush ups before the test, relax and calm your mind. There’s more to college entrance exam prep than studying and practicing; your mind and body must be prepped, so you are ready, have the best chances of scoring well, and boost your odds of getting into Alabama State University or any school of choice.

 …

Read more

5 Factors to Consider Before Joining Greek Life in College

Some people view college Greek life with admiration, while others view it with abhorrence. Regardless of your personal views or whether you’re thinking about joining USC or Alabama State University, there are many reasons to both join and not join Greek life while in college. If you are unsure about what to do, here are five factors to consider before signing up.

1. Unforeseen Expenses

Not many people see this one coming, if they did maybe they wouldn’t click here, but joining Greek life does come with a specific set of financial costs. For example, you could incur fees for recruitment, your house, your house emblem on a pin, various social gatherings, and upgrading y our wardrobe. Before you join, make sure that you have enough money set aside for these potential expenses, as joining and not being able to cover them could waste your time and result in embarrassment down the road.

2. Networking

Greek life is one of the best ways to build lasting connections. Joining a fraternity or sorority will give you access to a vast network of individuals that will only continue to grow throughout your college experience. This is great because these connections will come in handy when it comes time to find a job after you graduate.

3. Alcohol Intake

One thing that likely comes to mind when thinking about greek life: alcohol. That’s because alcohol use is a prevalent problem within Greek life. This is due to a variety of factors, many of which are tightly woven into fraternity and sorority culture. Consider this factor very carefully before signing up, as it could be a decision that could impact your life for years to come.

4. Social Gatherings

Joining a fraternity or sorority means exclusive access to a wide variety of social functions and parties. While this sounds like it is all fun and games, remember that sometimes this could entail engaging in social outreach, and committing to something that could be quite demanding on your time. Take care to ensure that you can balance your social activities with your academic coursework. If you find that you are prone to struggling in this type of environment, Greek life may not be for you.

5. Hazing

Hazing is an unfortunate aspect of college Greek culture that sometimes rears its ugly head. Fortunately, many fraternities and sororities have evolved beyond this sort of behavior. Typically, pledges are instructed to perform demeaning tasks, but nothing that should endanger their life or the lives of others. However, if you ever find yourself in a situation where hazing is being encouraged, make sure that you report it to the proper authorities. When being asked to perform certain tasks, ask yourself whether what you have been asked to do will enrich your personal development and whether it is something you would allow a friend or relative to perpetrate.

 …

Read more

Why Should College Students Take Advantage of Getting Online Custom Essay Help?

Academic writing is an essential part of the higher education system in the US and in the UK and college and university students are given a lot of different arduous written assignments every semester: short and long essays, term papers, and research papers in practically all college classes. These young people live under constant pressure overwhelmed with the amount of coursework they have to complete and unable to meet certain very tough deadlines for numerous tasks. So many students start looking for a trustworthy site with experienced writers where they can find an expert and send him a request ‘write my essay’.

Modern technologies allow students to get affordable professional custom essay help on online essay writing service, order cheap sample papers, and use them to enhance their communication skills. Essay writing business is thriving and the number of agencies with such type of service is on the rise. But you should be careful because the internet is full of numerous ghostwriting sites promising to deliver ‘the cheapest papers from the best writers’. Dealing with such companies is too risky. In such a case you are likely to get a poorly written essay crafted by an inexperienced freelancer.

Where to Find High-quality Essay Writers to Buy Strong Model Papers

If you need quality help with your challenging college assignment, you can easily find it on the web with Google search and hire a good writer on a reliable custom writing company to create a perfect paper for you according to your strict requirements. For example, you can do it on WritingCities.net or on any other reputable website. How can you find agencies with qualified writers? Visit student forums and websites that publish reviews of popular companies in the industry and choose services with top ratings.

As essay writing firms are popular among students of all academic levels, there is a chance that at least some of your fellow students have already used them to get additional assistance with their homework and have had a pleasant experience. So ask your nearest friends and turn to the services recommended by them. Maybe you will be lucky and you friends will tell you some details about dealing with a certain service so you will have a better idea what you will be paying for and feel more confident in your decision.

An impressive model paper is a useful tool to learn complexities of English academic style and paper formatting and better understand the subject. If you want to be sure that your essay will be impeccable you’d better deal with one of the leading writing firms that care about its good reputation and hires only experienced professionals who can cope with any difficult topics and craft any long and complicated task such as a PhD dissertation. Then you will get a unique paper written from scratch and use it a practical guide to push your self-expression skills to the next level and improve your career prospects.…

Read more