Late last year, there was a post published in the Huffington Post’s Money Blog. The post—written by Ben Mulling, the chief financial officer at TENTE Casters, Inc.— details the Four Steps to Educating Students about Personal Finance.
Mulling’s main message of the post is that college students must take personal accountability for educating themselves about finances. He believes that this lack of personal finance education is what leads students to make so many financial mistakes early on in their lives. Mulling cites that only 22 percent of students understand how income taxes work, and only 31 percent understand how credit card interest works.
Mulling’s message of the post resonated more so with me now than ever. Less than three months from now, some of my very close friends will walk away with bachelors degrees. They’ll also walk away with a substantial amount of student loans to…
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Sitting in Finance class. What is a desolate college student to do? Notes have been taken, seat buddies have been conversed with, and the professor is telling a story about the Dow Jones.
INSPIRATION! Or rather, a wonderful idea stolen from my friend, Ella. It consists of a little man walking among the blue notebook lines, when he realizes that life is more than just the two lines that he is strolling between. He then decides to step down and explore the line below:
He becomes bored with the line below fairly quickly, and decides to move on to lower pastures, but loses his balance:
Skipping forward in Little Guy’s life, he has somehow acquired a miniature dog and is taking it for a walk. Then, without warning, they come upon a cat, and…well…
And of course
I hope the rest of his day was less stressful!
FEBRUARY 20TH, 2013 5:00AM – 7:00PM EST
Are you intrigued by the idea of attending a U.S. university? Join us today for International Students Day, a free online event dedicated to helping you decide if studying in the U.S. is right for you.
Login anytime from 5:00AM to 7:00PM on Wednesday, February 20, 2013 to:
- Live chat with hundreds of U.S. universities, including University of Florida, University of Chicago, and NYU.
- Get advice from study abroad experts
- Hear about other students’ experiences
|Alliant International University||Angelo State University|
|Auburn University||Boston University|
|Bowling Green State University||Bucknell University|
|California State University, Channel Islands||Calvin College|
|Centennial College||Central Connecticut State University|
|Clayton State University||College of Charleston|
|Colorado State University||Columbia College|
|CUNY, College of Staten Island||Dalhousie University|
|DePaul University||Dominican College|
|Dowling College||Drew University|
|East Tennessee State University||Eastern Michigan University|
|EDMC – The Art Institutes||Fisher College|
|Florida Atlantic University||Fox Valley Technical College|
|Hamline University||Hartwick College|
|Indiana Tech||John Cabot University|
|Kutztown University of Pennsylvania||LIM College|
|LIU Brooklyn||Mayville State University|
|Mercy College||Methodist University|
|Miami University of Ohio||Mills College|
|New York University School of Continuing and Professional Studies||Niagara County Community College|
|Norwich University||Notre Dame of Maryland University|
|Oklahoma State University||Oklahoma State University Institute of Technology|
|Oregon Institute of Technology||Oregon State University|
|Pace University||Pittsburg State University|
|Post University||Purdue University-Calumet Campus|
|Regis College||Richmond-The American University in London|
|Roger Williams University||Rowan University|
|Rutgers University||Saint John’s University, NY|
|Saint Joseph’s College (Brooklyn)||Santa Fe College|
|Schenectady County Community College||Sierra College|
|Sonoma State University||Stephen F Austin State University|
|Study NY||Suffolk University|
|SUNY Global||SUNY, Alfred State College|
|SUNY, College at Brockport||SUNY, College at Old Westbury|
|The College of New Jersey||The College of Saint Rose|
|The University of Kansas||The University of Maine at Farmington|
|Tulane University||Tuskegee University|
|University College Dublin||University of Akron|
|University of Alberta||University of Bridgeport|
|University of British Columbia||University of California, Davis|
|University of California, Merced||University of California, Riverside|
|University of California, Santa Cruz||University of Chicago|
|University of Colorado, Colorado Springs||University of East Anglia|
|University of Florida||University of Houston|
|University of Idaho||University of Illinois, Chicago|
|University of Louisville||University of Massachusetts, Dartmouth|
|University of Melbourne||University of Mississippi|
|University of New Haven||University of Notre Dame|
|University of Oregon||University of Rochester|
|University of San Diego||University of South Florida|
|University of Tulsa||University of West Georgia|
|Utah State University||Utah Valley University|
|Winona State University||Wisconsin Lutheran College|
About The Schuler Scholar Program
Launched in 2001 by Jack Schuler and daughter, Tanya Schuler Sharman, the Schuler Scholar Program (SSP) was originally conceived as a vehicle for the Schuler Family Foundation to provide college scholarship assistance to bright, motivated high school students in order for them to matriculate to selective, private colleges and universities. Students at partner high schools in the Chicagoland area would be chosen in the spring of their freshman year to receive mentoring and college counseling while in high school and a scholarship award for college.
Waukegan High School was selected as a partner in 2002. In an effort to jump start the program, in addition to selecting a group of freshman scholars, two college scholarships were awarded to graduating seniors. Shortly thereafter the program evolved to include providing high school academic support and enrichment programs designed to prepare the scholars for the rigors of a selective college. In 2006, SSP partnered with Round Lake High School and in 2008 the first class of Schuler Scholars was selected at Warren Township High School. In 2009, scholars from Highland Park High School joined the program and in 2010 the partnership expanded to Maine East High School. In 2011 the SSP renewed its partnership with St. Martin de Porres High School.
In 2009, in an effort to expand its impact on the young people served, the SSP modified its scholar selection strategy and began accepting applications from students in the spring of their 8th grade year in school. In the new model, the selected scholars receive an additional year of programming while in high school.
With a growing number of Schuler Scholars on selective college campuses across the country, it became clear that scholar support was also needed during the college years. Today, a Schuler Outreach Coordinator serves as a liaison between the college scholars, Alumni and staff and provides guidance to the scholars as they navigate life in a place far from home.
The Schuler Scholar Program (SSP) prepares under-resourced, high potential students to succeed at the most competitive private colleges and universities. Schuler Scholars are typically first-generation college-bound, come from under-resourced families or communities and will need financial assistance in order to attend college. Many Scholars are from a population that is under represented on college campuses.
We believe that if high achieving but potentially vulnerable students have access to academic and enrichment programs while in high school, are well-informed of college options, receive support from family, friends, teachers and mentors, are motivated, and secure financial assistance, they will be successful in obtaining a college degree.
By: Diane Gottsman
1. Don’t assume your laptop is a welcome guest – While many universities encourage you to bring your laptop to class, it’s not a universal theme with all schools. Professors are often concerned with the use of laptops in class because odds are students are actually on Facebook when they say they are taking notes. Imagine that! Your professor should specify on the first day, if not, ask.
2. Turn it off – Disruptions such as a cell phone going off, head down and texting, or one ear bud in your ear while listening to your favorite tunes is not a welcome addition to class. Your undivided attention is most respectful and responsible.
3. Monday morning blues – Repeatedly missing your Monday morning class with multiple excuses for your absence will soon fall on deaf ears when you are captured on FB living large on Sunday evening or eating breakfast at your favorite restaurant at the same time you are supposed to be in class.
4. Your prof’s name is not Jim until he says so – Until you are asked by your professor to call him or her by their first name, err on the side of caution and address them with their proper honorific, Dr., Ms. or Professor. While college campuses are often more casual than high schools, it is up to each instructor to guide you as to what they prefer to be called.
5. Dress appropriately – PJ’s and house slippers are not for the classroom. Even if you can get away with it, think of the image you are projecting when a professor is determining how dedicated you are to the subject. If you are on the fence between pass/fail, you have a better shot at pass if you are not sitting in class in your underwear.
6. No such thing as “fashionably late” – If class starts at 10:00 am, be in your seat by 10:00 am…not 10:05 or 10:15. Again, the impression you make is paramount to your future success. Your professor can be a mentor, a job reference or your worst nightmare when it comes to securing a job, an internship, a scholarship or a vote of confidence to another teacher or future employer.
7. Snack with discretion – While you may be running from one class to another and your stomach is growling to the tune of Adele’s Rolling in the Deep, pick food items that don’t have an overpowering smell or make a nasty mess. A tuna salad or Frito pie are not on the top 10 list for obvious reasons. There should be no smell, sound or onion bits left behind when you leave class.
8. Choose your seat wisely – A corporate tip that applies to university students, select a seat within the first three rows of the classroom. You will definitely be noticed if you are sitting in the last row, last seat with one foot out the door. The message it sends is that you are not interested and not involved. While you don’t have to sit in the front row, the second or third row is still a good showing of being in the game.
9. No bells or whistles – If you have an alarm on your watch, turn it off. It’s annoying to hear a beep every half hour to remind your professor that you are a clock watcher. Checking your watch every 15 minutes to see how long you have left sends the message that you are anxious to get out of class because you have something better to do.
10. Avoid monopolizing your professor’s time– If you would like to have a lengthy conversation with your professor or need clarification on a certain topic, make an appointment to meet after class. Don’t linger after with a list of questions that you could have easily asked in class and everyone could have benefited from.
11. No video or recording unless approved in advance – Nothing should be taped unless you receive prior permission from your professor. And certainly, don’t put anything on social media that has not been previously approved by your professor or the department head. When in doubt, ask.
12. Treat your T.A. with courtesy – Though your class’ teaching assistant may be your age, offer the same respect you would the professor. They are there to help you with the assignments, not hand out the answers—bribing them with Twinkies generally will not work.
Incoming college freshmen, take note: University life comes with an unwritten rule book. Break any one of these regulations and your lowly freshman status will instantly be revealed. (Quick tip: Don’t wear your school’s lanyard around your neck. Just don’t.)
Luckily for college newbies, Reddit users compiled a handy list last week of high school habits to drop before you set foot on campus. Click through the slideshow on the link below to soak up their wisdom. Before you know it, you’ll be a college pro, too.
Which freshman habits are you guilty of? If you’re already in college, what’s your best piece of advice for incoming freshmen? Tell us in the comments below or tweet @HuffPostTeen! Also refer to the Huffington Post link below to explore more about college advice.
By: Thomas Frank
Update: If you like this post, you’ll definitely want to check up my huge, in-depth follow-up, 27 College Tips I Learned Sophomore Year.
When I started college, I was just like any other normal student. My only real concerns were my classes and my part-time job; everything else I did was for fun. I learned a lot during my freshman year, though, and as I learned I began to focus on more productive things. Here’s a collection of college tips and bit of info that helped me out a lot.
- Always go to class. A lot of bloggers will debate this one, but I think it’s essential. You never know when the professor will drop a crucial test hint, or give out extra credit for attendance.
- If you have to choose between a double major and getting involved on campus, get involved. All the knowledge in the world won’t help you if you come out of college with no experience or professional relationships.
- ALWAYS back up your files. Dropbox makes this easy as can be.
- Make sure your computer is protected against malware. Install Microsoft Security Essentials or Avast Anti-virus, and use a web browser other than Internet Explorer. Installing the Adblock extension doesn’t hurt, either.
- Learn to do your taxes and your FAFSA yourself, instead of letting your parents do it. Knowing how to handle these things will prepare you for life after college.
- Get a bank account with a bank in town. It can be really inconvenient having to wait for Mom to send cash, and it teaches you to manage your own finances.
- Get a credit card, and make all your month’s purchases on it up to 20% of the card’s balance. This will help to start building your credit. If you start spending more, or can’t pay the balance in full for even one month, tear the card up.
- Bring enough clothing to school with you that you can go two weeks between washings. This will save you money in the long run.
- Never leave your clothes in a washer after the cycle is over. Be there to take them out a minute before the cycle ends. Not doing this is rude, and people WILL pull your clothes out and set them somewhere.
- If you have new colored clothes, wash colors separately from whites the first few times you wear them. Otherwise, toss ‘em all in the same load if they’ll fit.
- Try not to drink too much caffeine. It’s really not good for you (it caused pretty bad acne for me), and you can get energy by staying well-hydrated, eating healthy foods, and sleeping enough.
- If you’re having issues with your roommate, talk about them. Don’t let them build up to the point where you can’t stand each other.
- Get a part-time job, preferably doing something that relates to your major. If you can, work in the early morning – you’d just be sleeping otherwise. I’ve found that having a job actually helped with my time management when I first started school.
- If you can’t find a part-time job that relates to your major, look for a “warm-body” job – one that allows you to do homework while working. Some examples would be working at the desk of the library or the athletic center.
- If your school offers a position that helps with summer orientation for incoming students, apply for it. This kind of job will build your confidence and communication skills like none other.
- Get to know your professors. College is just as much about networking as it is about sitting in class. Plus, most of them are bored out of their skulls during office hours.
- If you have younger siblings that come to visit, supervise their use of your microwave. Trust me on this one.
- Don’t bring a car to campus if you don’t need one. Many schools have great public transit systems, and Facebook can net you rides when you need them.
- If you are bringing your car to campus, buy the parking permit that puts your car closer to you, even if it’s a bit more expensive. It’ll save you a lot of time (and whining).
- Live in the campus residence halls your first year if you can. Residence halls aremuch, much more social than apartments, and you’ll be involved in a lot more cool things.
- Realize that you are an adult now; just because you don’t have to go to work for eight hours a day doesn’t mean you shouldn’t act like it. Be professional.
- When you study, don’t do it in your room. Also, try to use an active study method such as making flashcards or writing your own quizzes. It’s a lot less boring and a lot more effective than just looking over your professor’s slides.
- Getting a tutor does not make you look dumb. Not getting one when you need help does.
- Flip-flops in the bathroom. No exceptions.
- Freezy Pops from Wal-Mart are a great substitute for fattier desserts.
- Take smart notes. Use a laptop in content-heavy classes that don’t give you time to write things on paper. If you do use paper, use the Cornell Method. See more note-taking hacks here.
- Find out when you can register for classes and do right at that moment. You’ll thank yourself later when your friends are having to do an extra semester because they couldn’t get into a required class.
- Try out as many clubs as you can. Feel no obligation to them if you don’t like them. College is about finding out what you love to do.
- Don’t put your alarm clock anywhere you can reach it. Make yourself get out of bed to turn it off.
- If your roommate isn’t still sleeping, turn on the light immediately after waking up. Light helps you feel more awake and reduces the chances of you going back to bed.
- Don’t get drunk, but don’t miss the show when your friends do
- You need a calendar. Google Calendar is probably the best one there is.
- Never underestimate the value of a care package from Mom.
- Get out and explore your campus. If you have to ask your friends where the main financial office is, you’ve failed. Same goes for exploring the city your campus is in.
- Find out what resources your school offers. Many universities have free tech support centers, health centers, seminars, and more.
- Get an internship the summer after your sophomore year. You’ll forge professional connections early on and make it easier to get another internship the next summer. Graduating with two under your belt will give you a real leg up on the competition.
- Keep a journal if you can. It’s great to be able to go back and see how you’ve progressed over the years.
- Connect with your school’s career center; your career advisor will be an invaluable resource in the years to come.
- Create a resume if you don’t already have one, and have it critiqued by someone who knows what they’re doing.
- Go to every career fair, even if you’ve already lined up a summer job. You want to build relationships with recruiters, and they’ll remember your face if you show up every time.
- Take a speech class, even if you don’t have to. Communication skills are among the more important things recruiters look for in students.
- Be confident, get out of your comfort zone, and try new things. College is the greatest opportunity you’ll ever have for personal development.
There you have it – the answers to life, the universe, and everything – or maybe just to making freshman year the best it can be. Leave your own college tips in the comments!