Please Start By Reading This - Then Pass It On
- "The man who can drive himself further once the effort gets painful is the
man who will win." Roger Bannister
- "The spirit, the will to win, and the will to excel are the things that
endure. These qualities are so much important than the events that occur."
- "Success in our calling is the result of a person's love of and belief in the
work he has undertaken. Earnest and conscientious labor often
accomplishes more in the end than the brilliant genius." Anonymous
- "Food offered without affection is like food offered to the dead." Hindu
- "What you have to do and the way have to do it incredibly simple.
Whether you are willing to do it, that's another matter." Peter F. Drucker
- The best motivation is self motivation. The guy says, "I wish someone
would come by and turn me on." What if they don't show up? You've got to
have a better plan for your life. Jim Rohn
- "How does one measure time? No, not in days, months, or years. It is
measured by the most precious of all things: Love. Without which all
beings and things whether brave and/or beautiful would perish." Irish
Table of Contents:
- Learn About The Value Of A College Degree.......................................................................5
- How To Choose The Right College.......................................................................................6
- College Interviews General Questions..................................................................................7
- 529 College Savings Plan......................................................................................................8
- An Introduction To Online Colleges......................................................................................8
- Financial Mistakes Made by College Students......................................................................9
- How To Get Free College Grants.........................................................................................10
- Finding the Best College Credit Card..................................................................................11
Understanding The Value Of A College Degree
Why is college so important? Why should I bother to go?
These are questions that many young adults ask upon their
impending high school graduations.
There are many answers to these questions, and many things
that demonstrate the value of a college degree.
Deciding whether or not to go to college is a decision that
can send your life on a different course, a course that can
mean security, or a course that mean lifelong uncertainty.
That is why everyone should consider going to college.
There is a way for virtually everyone to attend, and no one should believe that they are incapable of
attending and learning firsthand just how far having that degree can take them.
So, why should you go to college? The obvious reason is so that you will be able to get a secure job
that pays well. Those without college degrees tend to make almost half of those with them, and often
struggle to find good jobs that pay well enough to support families, or even offer health benefits.
Having a college degree also means more stability in your job down the road. Organizations are willing
to invest more in their college educated employees, and they are often resistant to layoffs or
The value of a college degree is not merely in the money. Taking part in the dynamic college
experience is a once in a lifetime opportunity, and everything that comes with it helps to shape young
individuals into adults. Being on your own at college helps you to learn responsibility, accountability,
how to work with groups of people, how to work independently, and encourages time management and
All of these things will help to serve you in your professional and personal life forever. You will have
the tools to be a better employee, a better spouse, a better parent, and a more responsible citizen.
Another point of value about earning a college degree is that you will also have the opportunity to
establish contacts with instructors and classmates that can help you later on in graduate school or in
The value of a college degree extends beyond the person that earns it. Sure, you will make more money
and have health benefits that will help you to be a healthier individual and thus potentially live longer,
but you will also be contributing to the welfare of society as a whole when you go to college.
Though it might be hard to conceive of, the more college-educated individuals that are out in the world,
the better off everyone is. Often, individuals with college degrees are more civic-minded.
That means that they are more apt to contribute to charitable causes, volunteer, and commit time and
money to other forms of philanthropy. Attending college broadens your scope of the world. You learn
to see beyond the corners of your house, your family, your town, and learn to understand the diversity
of the world.
For these same reasons, those with college educations are also more inclined to vote, and know what
and whom they are voting for. All of these factors help to contribute to a society working to lessen
poverty, crime, and disease, which ultimately is a benefit to everyone.
When making the decision about attending college, know that the earlier you go, the better. Though it is
perfectly plausible to attend college after several years of working, you will find that you will have a
harder time proving yourself without a college degree.
Depending on the type of job you are seeking, you will have a more difficult time getting job
interviews, and you will probably have a more difficult time promoting yourself in an interview.
So as you can see, the value of a college degree isn't just about making large piles of money, or being
the CEO of a corporation, it is about developing yourself, learning about the world around you, and
With those traits developed, you will enter the workforce with not only a college degree, but you will
also be equipped with the ability to be a diligent, motivated, open-minded, and compassionate
employee and person.
Choosing The Right College
The most important part of the college selection process is
the initial identification of colleges and universities which
are most appropriate for you.
Soliciting recommendations from your school counselor is
a good starting point, but there are many other valuable
resources you should utilize.
Most guidance offices and public libraries have a
collection of "generic" college guides with general
information about individual colleges and helpful indexes
enabling readers to quickly locate colleges offering
particular majors, programs, and/or activities of interest.
In addition, guidance offices and libraries are frequently well stocked with college catalogues, college
view books, and videos. Spend some time reviewing them.
There is even more, easier to access information on the internet. One of my websites
(http://www.college-scholarships.com/), for instance, includes a list of colleges by state with links to
their websites and online applications, their toll free telephone numbers and email addresses, and more
than thirty free online scholarship searches. Other sites let you search for colleges by major, location,
and other criteria.
There are a number of magazines and college guides which "rank" colleges. Check them out, but do so
with a grain of salt, as most knowledgeable educators consider their rankings and or evaluative
methodology to be suspect.
In addition, there are at least a half dozen free publications which are mailed directly to students or
distributed to guidance offices. While such magazines may be helpful in introducing you to colleges,
bear in mind that they are supported by the colleges described therein, and even those that appear to
"articles" about colleges are generally, in reality, advertisements written by the colleges or agencies
compensated by them.
When you take the SAT or ACT - and I suggest you take them both as a high school junior - you will be
asked questions about your high school grades and academic interests. If you indicate your willingness
to allow the testing agency to release your name and address to colleges interested in students with
your profile, you will probably receive a good deal of mail from colleges.
Although there are no guarantees, particularly from the most highly select colleges, your chances of
being admitted to the colleges which initiate contact with you tend to range from good to excellent.
Students who review only the information sent to them by colleges with which they are already familiar
miss an excellent potential opportunity to learn about institutions which may be a good "fit" for them.
Similarly, if you meet only with college admissions counselors (at your high school and at college
fairs) from colleges and universities already on your list, you might miss out on some great colleges.
College Interviews General Questions
There are many factors that make a great interview, but the
most important of all are the answers.
Your college interview preparation must start by thinking of
all the possible questions that you may be asked, and some
questions that you will want to ask too.
Why research and focus on the questions?
Most applicants feel that they know what they want, and
that their life has, in some way drove them to this point,
trying to get into a college to peruse the career that they
I certainly hope you know why you got to this point in your life and what made you make the choices
that led you here. The overwhelming majority of candidates know this, or think they do, but a lot of
them has never said it out load, had their reasons criticized and undermined, or had to ague about
aspects of their decision making.
A college interview basically comes down to that, think that you are talking with one of these
pessimistic people that always find the fault in things, and that you need to show that person that you
are the person for the job, now stop thinking and start talking!
This may sound crazy, but trust me, its not. Start talking about your reasons, about your life, what you
are passionate about and many other things, but talk – really – speak out load, slowly, make small
comic remarks, add a little color to your sentences and personal comments about decisions and certain
periods in your life.
Talk while you drive, while you take a shower, while walking to school or walking your dog, before
going to sleep… while watching a boring TV show, the important thing is to let it out and listen to how
you sound, how IT sounds, because this is the way its going to sound the day of your college interview.
And for this you better prepare.
Practice answering tough, directed questions about your experience, motivation and goals, be prepared
to draw colorations between your experience and what seems to be the need of the institution. For
example, if you are applying to a course that requires strong analytical skills, you should have example
ready to demonstrate your strong analytical skills. Some questions may involve topic like college
admissions, be prepared for that too (research college admissions).
The following questions will provide you with some ideas and get you started thinking about potential
interview questions: Why did you choose this program, why do you feel that this particular school is
good for you, what do you know about this program and this school?
What are the most important skills and attributes an applicant needs to be successful in this program?
What are the characteristics of a successful student in this course in college? Preparation is key to
success on the interview, so try and think about the interview before you are actually there, consider the
things discussed here, and good luck in your college interview!
529 College Savings Plan
Saving money for college expenses is a goal I hear many young
parents express, and one of the best ways to build tax-
advantaged savings for college is the 529 plan.
A 529 plan is a tax-advantaged savings plan designed to
encourage saving for future college costs.
529 plans, legally known as “qualified tuition plans,” are
sponsored by states, state agencies, or educational institutions
and are authorized by Section 529 of the Internal Revenue
Changes in the tax code were made in 2006 making permanent the provision that earnings in a 529 plan
are tax free upon withdrawal when used for education expenses. This has resulted in eliminating any
change in status for earnings for the 529 plan and made it the premier savings vehicle for college
There are two types of 529 plans: pre-paid tuition plans and college savings plans. All fifty states and
the District of Columbia sponsor at least one type of 529 plan. In addition, a group of private colleges
and universities sponsor a pre-paid tuition plan. There are differences between pre-paid tuition plans
and college savings plans, and each individual family needs to determine which plan may be right for
Pre-paid tuition plans generally allow college savers to purchase units or credits at participating
colleges and universities for future tuition and, in some cases, room and board. Most prepaid tuition
plans are sponsored by state governments and have residency requirements. Many state governments
guarantee investments in pre-paid tuition plans that they sponsor.
College savings plans generally permit a college saver (also called the “account holder”) to establish an
account for a student (the “beneficiary”) for the purpose of paying the beneficiary’ s eligible college
expenses. An account holder may typically choose among several investment options for his or her
contributions, which the college savings plan invests on behalf of the account holder.
Investment options often include stock mutual funds, bond mutual funds, and money market funds, as
well as, age-based portfolios that automatically shift toward more conservative investments as the
beneficiary gets closer to college age. Withdrawals from college savings plans can generally be used at
any college or university. Investments in college savings plans that invest in mutual funds are not
guaranteed by state governments and are not federally insured.
An Introduction To Online Colleges
Online colleges make obtaining a degree a possibility for
anyone with access to the internet.
If you have always dream't of obtaining a degree or other
certificate then online colleges are a great way to make that
dream come true.
One of the main benefits of studying with online colleges
rather than conventional campus-based colleges is that you
can work on your chosen subject at your own pace and at a
time that suits you. Instead of having to attend classes and lectures you can fit your study in around
work and family commitments.
In particular, many stay-at-home moms are finding that online colleges offer course that they can take
while the kids are at school in preparation for returning to work when the kids are older.
Many employees are overlooked for promotion at work because they lack formal qualifications but this
is where online colleges come in. Instead of having to take time off work to be able to attend a regular
college you can continue working your normal hours and access your course in your free time.
If you have been with a company for a while and see no opportunity for advancement you can also
study with any of the online colleges to enable you to find a new job whilst you are still earning.
Online colleges offer a wide range of course and have no time restriction in which you have to
complete the modules.
This gives you the freedom to study where and when you want to and a number of online colleges will
allow you to take lengthy study breaks. Some courses do not require a formal exam at the end to obtain
a diploma but consist of a number of assignments that are to be completed throughout the course.
Most online colleges have specialist tutors who can communicate with the students by email or other
means to give support and guidance to them throughout the course. Quite often the online colleges will
also have facilities to link students with each other so that they can discuss assignments.
There are online colleges based all around the globe and there are usually no residency restrictions
applied. If you want to learn about French art then why not choose one of the online colleges based in
France or one of the many Japanese online colleges to obtain a certificate in business management
techniques then you can.
Finding the right course is the easy part but deciding which of the online colleges you want to study it
with is probably going to be the hardest choice to make. This is because there are literally millions of
courses available through online colleges around the globe.
Top Financial Mistakes Made by College Students
1. Blowing your school loan money!
Instead of using your financial aid for books, tuition, room & board, many students will choose to
finance their extravagant lifestyle of partying, clothes, gadgets, and eating out. These school loans
you've worked so hard to get should be paying for your education, not you social life...so use the
money wisely. You'll be paying them off for many years to come.
2. Credit Card Debt!
Even responsible adults can rack up some hefty credit card debt, but students, who have no viable
income besides their school loan money, and what cash mom & dad give them, have no business
getting multiple credit cards. This is a recipe for credit disaster, because now students will not only
have their school loans to repay when they graduate, but large credit card balances. Nellie May, the
largest student loan maker, says that most graduate students have an average of $5800 in credit card
3. Not Paying Your Bills on Time!
Racking up huge credit debt and not paying your bills on time is a good way to ensure that you can't
purchase a car, rent an apartment or even get a cell phone after you graduate. Keep the credit cards to a
minimum, and pay your bills on time to keep your good credit rating. You'll thank yourself in a few
4. Bad Budgeting!
Being a college student generally means living on a fixed income. Weather it be your financial aid
money or money from a part-time job, or even money from Mom & Dad, the cash is usually limited
and setting up a budget is important. A monthly budget doesn't mean you can't do the things you want
to do, but simply a plan so you know the "must-pays" actually get paid. Figure out exactly what bills
and expenses you have every month and plan for those first. Any money after that you can budget for
social / recreational items like CD's and kegs.
5. Going to a College that's too Pricey!
Instead of going to your local community college for your pre-req classes and spending $25 a unit,
many students feel they have to go to the 4 year university straight out of high school. Many end up
returning home and going to a C.C. anyway, but attending a local school first is a good way to save
money, and get those required classes out of the way cheap.
After you've completed these courses, transfer to a 4 year school to complete your undergraduate
degree. This will save thousands upon thousands of dollars that you would have racked up on student
loans, and been paying off well into your 30's.
So many of the bad financial decisions students make is a result of poor financial education. Students
haven't been taught by their parents or high school teachers the importance of maintaining a good credit
score, paying bills on time, and budgeting income. Wise spending during the college years will ensure
that the money you make after graduating will be spent on things you want, not credit card payments,
collection companies and school loans.
How To Get Free College Grants
Take a look at the figures. The US Department of Education
gives out to millions of students all over the US the
unbelievable sum of $67 billion every year by way of free
college grants, loans and campus-based aid. What exactly are
free college grants?
These are grants given to students who cannot afford to pay
for a good education. They have no money to pay for a
college education which would put them in a position to earn
a lot of money. That’s the irony of it all! However, this is the
basis on which free college grants are given. They really are
for the students who are serious about doing well and then
One example of free college grants is Federal Pell Grants. The only eligibility is financial need. These
are not like loans because they do not need to be paid back. The amounts that are available to be given
out vary from year to year.
This is because these grants depend on Congress. In 2000-2001, it reached a peak of $3,300.00. How
much a student gets will depend on his part-time or full-time status, the costs to attend that particular
school and whether he is going to do the full academic year or not.
Another program that falls under the purview of free college grants is the campus-based aid programs.
Here, a student can get a grant from the Federal Supplemental Educational Opportunity Grant
(FSEOG), the Federal Work-Study (FWS) and the Federal Perkins Loans programs. These can be
administered by the financial aid offices at each school directly. The funds for these programs are sent
to the school and the school uses its judgment to distribute it among the students who need it.
How do you know if you are eligible for free college grants? Well, first of all, you have to qualify for
financial aid. Then, you will have to hold a high school diploma or a GED (General Education
Development) certificate. If you do not have either of these, you will have to pass a test of an
equivalent level which is approved by the US Department of Education.
Of course, you will be working towards your certificate or degree and will have to show proof that you
are enrolled in a program that is eligible and make sure you maintain good grades while you are
studying. You will have to have a valid Social Security Number and be either a U.S. citizen or a
qualified non-citizen. You also have to be registered with the Selective Service.
You will not be eligible for free college grants if you have been involved in the possession or sale of
drugs. In that case, you could still apply for federal student aid because maybe you will get other
nonfederal or private free college grants.
You can use the Free Application for Federal Student Aid in order to apply for free college grants,
campus-based student aid programs and all loans. If you’d like more information, you could visit their
web site (http://www.fafsa.ed.gov/) which guides you through your application process online.
Remember if you have the inclination, the government has the desire and the means to help you get that
Finding the Best College Credit Card
High school students and college freshman are always
receiving all kinds of advertisements in their email boxes,
on websites and even on television regarding information on
applying for and receiving a college credit card.
There are so many that offer great incentives that the student
may not be able to say “no” to the gimmicks provided by the
credit card companies such as the popular pre- approved for
a college credit card.
Although it is generally a good idea for college students to
have a college credit card, parents should take the time to sit and talk with their soon to college student
to help them find the best college credit cards to fit their needs without all the bells and whistles.
Parents should be sure their college students understand the terminology, interest rates, introductory
offer, rewards, etc. of the different credit card companies. Not only should parents explain the
ramifications of a credit card but also what it can do to their credit rating if they do not pay on time and
how much more they will be spending in interest on any unpaid balances.
A college credit card can be set up with a modest limit for the first year college student to ensure they
learn how to budget before they are given full reign with a larger spending limit, especially if the
parents will be making the payments.
However, if the college student is making his own monthly payments they will need to learn to budget
so they will be able to pay their balance each and every month in a timely manner.
Parents should also aid their college students in searching for a college credit card with a low APR or
annual percentage rate. If the student chooses a card with a 0% APR, have them read the fine print to
learn just how long this APR will last.
Most of the time, this is only an introductory special and will rise within 3 to 12 months. Some low
APR college credit cards are much better in the long run than ones that only offer 0% in the beginning
and then go up considerably after the introductory period.
Have your college student investigate all the cash back and points carefully before they decide on a
card that offers this type of incentive. Many college students may not understand that these points may
not be worth the cost and can expire if not used within a certain amount of time such as miles points.
One of the best parts about college credit cards is that today students can access their account online
and learn if they are close to getting in trouble before it actually happens and they receive the statement
in the mail. This can aid them in learning more about budgeting.
Not only will the student be able to access his college credit card account online but also so can his
parents. This way if their student is in trouble, they will be able to help before it is too late.
College students should also only apply for a card that has a fraud and theft prevention feature. There
are many other students living in dorms at colleges and you will need to protect your card from theft,
which can be very hard with a college student’s busy lifestyle.
"Preparing For Higher Education While Still In
School Is A Wise Decision As It Keeps You
Ahead Of The Class And Is Your First Step Into
Get Prepared For College
Practical Steps To Staying Ahead Of The Class
In Preparing For College
Inside this eBook you will discover:
How And Where To Get Started With College Preparation
How To Plan Your High School Curriculum
Discussing College Financing With Your Parents
Researching The Standardized Tests Required For College Admissions
Attending Preparatory Classes For The SAT Or The ACT
How And Where To Search For Scholarship And Financial Aid Money
How To Get Brochures And Applications From Your Choice Colleges
How To Write Your Applications Essays
How To Schedule Interviews With Prospective Colleges
Filling Out The FAFSA
Making Sure You Have All The Information You Need From The
Attending A Summer Workshop
How To Register For Classes
Packing For The Dorms, things Like Toiletries, Clothing, Bedding, Food
Buying Needed Appliances, School Supplies, For Your Health, Storage
How To Make Time For Friends
How To Make Time For Yourself And Studies
And so much more!
To A Bright Future!