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10 Smart Shopping Tips To Protect Your Family From Getting Sick
Prevention of food poisoning starts with your trip to the supermarket. Here's how to start off safely.
1. Pick up your packaged and canned foods first. Buy cans and jars that look perfect. Don’t buy canned goods that are dented, cracked or...
A Bridal Shower Invitation Should Be Attractive and Stylish!
A bridal shower invitations should lay out all of the necessary information, yet still be attractive. One way to do this is to have a picture engraved on the invitation. Ask your engraver to add a small design on the inside of your invitation...
Birthday Gift Baskets – The Ideal Gift For Everyone!
No matter how old we are, we enjoy being remembered on that special day of the year that celebrates the day we were born! Birthdays are a time to recognize special people in our lives with joyous celebration. It is a time-honored tradition to...
Protecting The Family Pet
Ever since the beginning of time there has always been the pet and the family, today's pets have become an integral part of the family, and even considered by some to be a part of the family. With this relationship being so vital, protection of the...
Spend More Time With Your Family This Holiday Season: Host A Caroling Party
Too often we forgo entertaining because of the mere thought of all of the preparation that is involved. And more is not better. Often we try to out do each other with lavish parties and expensive gifts. Stop and remember for a second what was...
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Don't Let Rising Cost of Tuition Put Your Family in a Bind
(ARA) - The rising cost of tuition has put many families in a bind. A survey conducted by the National Association of State Universities and Land Grant Colleges found that tuition at public institutions increased in 37 of the states that responded. In Arizona, California and New York all surveyed schools reported in-state tuition increases of at least 20 percent. Tuition at the State University of New York has increased by 30 percent and at the University of California by as much as 40 percent over last fall’s levels.
While all parents want the best education for their children, financial constraints can be a burden on the long-term investment in their child’s education. However, with diligent planning, families can work together to develop solutions to this problem and be able to afford the best education for their children. Ray Loewe, college planning expert and advisory board member for the GE Center for Financial Learning, offers the following tips on college planning and ways to make the transition back to school more affordable.
* While tuition costs are on the rise, interest rates for paying back college loans will drop to an all-time low. It’s good news to those already paying off loans or who will start paying in the near future. According to “The Chronicle of Higher Education,” someone with $25,000 in debt could save about $5,000 in 20 years if he or she consolidates at this rate.
* Students should try and find a part-time job. Jobs offered on a college campus are ideal because
employers know from the outset that they’re hiring college students with their irregular schedules, tests and exams. They know that education is a priority and are usually more forgiving as a result.
* Many parents think that saving for college will just disqualify a student from getting financial aid. The actual fact is that income most often keeps students from qualifying for financial aid, not their assets. At the same time saving for education is an investment.
* There are four types of financial aid: scholarships, grants, loans and work-study employment. Colleges are not created equal regarding financial aid. Become familiar with your college’s financial aid packages.
* Apply for a loan. Loans are financial aid available to both parents and students. They are subsidized by the federal or state government, financial institutions or the college and may have lower interest rates than regular loans. Generally, you do not start paying back these loans until after college graduation.
There are many ways to prevent future financial hardships that can arise from paying for education, but having a plan is crucial. Web sites such as the GE Center for Financial Learning (www.financiallearning.com) can help you and your family take action to ensure an easy and trouble-free return to school each semester.
Courtesy of ARA Content
About the author:
Courtesy of ARA Content
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