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lyssismagical · 4 years

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moments of gold and flashes of light

Parkner Week Day 3: “I am very small and I have no money.” / college au / no-powers au

(This is like a Rhodey/Tony!MIT Parkner AU)

(TW: Implied Child Abuse)

Working at a café on the outskirts of a college campus meant good business, decent tips, and weird hours. A good job for Harley who needs to work weird hours to keep up with his classes, and he makes enough to afford essentials and to keep his head above water in the debt.

It also means he sees a lot of very tired students at those strange hours.

He gets an elbow in the ribs from his coworker, Cassie, who points across the café at an occupied table.

“An order?” Harley asks, forehead creasing. They don’t normally take orders from tables.

“No, we have a policy about sitting in here without ordering. I need you to ask him to either buy something or leave before our boss notices,” Cassie says. She glances down at her watch, frowning at the time. “There’s only a few hours until we’re done, anyways.”

Harley hates the policy. It makes sense why they have it, they’re going to lose a lot of business if the café is always full but nobody’s buying anything, but it doesn’t make it any easier to kick tired teenagers out in the middle of the night.

He sighs and lets Cassie take over the registers as he makes his way to the boy at the table, straightening his deep purple apron as he goes.

“Excuse me?” he says, wincing when his voice cracks.

The boy at the table’s head jerks up, eyes wide behind a thick pair of glasses. He looks young, younger than most people Harley sees coming into the café, but he’s hunched over a stack of textbooks and papers, what looks like a year three astrophysics textbook on top. There’s no way he’s old enough to be in his third year of university.

“Yeah?” the boy asks. He tips his head to the side in question, the light hitting his face and showing off the deep, dark bags under his eyes.

“We have a policy here, you have to buy something to stay.”

The boy winces, hands patting the pockets of his jeans. He pulls out an old wallet, faded Stark Industries logo on the back barely visible, and pops it open.

He rifles through the things in his wallet, dropping a few on the table including a library card, a Booster Juice loyalty card, and a Stark Industries ID. He finds a dollar bill, but otherwise comes up emptyhanded.

“Shit, sorry, I don’t have any money,” the boy says, eyes wide and glassy. He grabs his backpack from between his feet and starts going through the pockets, but they seem just as empty. “I’m so sorry, I guess I used the rest of my cash on rent, and I don’t- I’ll just pack up and head home, no worries-”

“You like coffee?” Harley blurts before he can stop himself. It’s not like he really has much leeway with his budget, but a couple dollars for an obviously stressed, very cute boy seems like a good investment. “I’ll cover it for you. Give me just a moment.”

As soon as he gets a confirming nod, he heads back to where Cassie’s working, and makes a quick coffee with extra caramel, and digs out his wallet to drop a few dollars in the register.

“You’re buying coffee for him?” she says, amused and shaking her head.

He shrugs, looking over his shoulder at where the boy is still watching him with his wide, doe eyes. “He had a third year astrophysics textbook. I felt bad.”

Cassie laughs, rolling her eyes at him. “The store’s pretty quiet anyways. You should make yourself one too, and take a fifteen.”

Harley’s not about to pass up that opportunity, so he moves quickly to make himself a matching coffee, and then he heads back over to the boy.

“Mind if I sit?” he asks, sliding one of the coffees over to the boy. “I’m in my second year at MIT, so maybe I could lend you a hand? Or at least be a nice distraction?”

The boy smiles, nodding and gesturing to the chair opposite him. “I’m Peter Parker. Third year at MIT.”

“You seem… young.”

Peter laughs, fingers curling around his coffee with a pleased hum. “Yeah, I’m eighteen. Graduated high school at fourteen, started here at fifteen.”

Harley’s jaw drops open in surprise. He’s nineteen, and in the year below Peter. It’s a bit of a shock. “You’re graduating university at nineteen? Isn’t that a bit scary?”

“I’ve got a job lined up at Stark Industries in New York. I’ve been an unpaid intern every summer for four years, so it’s not as scary as you’d think.” He looks down at his homework, textbooks and binders and loose papers, and frowns. “Stressful, for sure. But scary, not so much.”

As much as he wants to comment on a lot of that, especially about how he’s apparently been interning for SI since he was thirteen, he doesn’t want to overstep any boundaries and he doesn’t have a lot of break left.

He sips at his drink, listening intently as Peter starts rambling about how annoying one of his profs had been the other day, the reason he’s up all night studying at the café. Peter’s pretty, especially when he gets passionate about something, eyes lighting up behind his thick frames, blush high on his cheeks, hands gesturing vaguely. Harley hasn’t made many friends since he left Tennessee, only Cassie and Kate from an off-campus extra-curricular. Peter seems like the kind of person Harley would really enjoy being friends with.

“Harley!” Cassie calls out, much too soon for his liking. “Your fifteen’s up.”

Peter frowns noticeably, finishing off his coffee. “I’ll probably stick around for a bit, if that’s alright?”

“Yeah, of course. And come back whenever, yeah?”

“I’m sure I’ll be back in no time, in need of quiet and caffeine.”

* Turns out, Peter’s not lying. He starts showing up every Thursday night and every few Wednesdays like clockwork, always with his old backpack filled with books and binders, and always with enough for a coffee to make sure he can stay.

Whenever Harley takes his fifteen, he spends it at Peter’s table, sitting across from him and chatting about anything and everything. They trade numbers after three weeks, texting every so often whenever they’ve got the chance. It’s nice to have finally made a friend outside of Gwen and Kate. (Especially a friend as kind and pretty and genius as Peter Parker.)

“Everything okay?” Harley can’t help but ask when Peter shows up, nearly two months after meeting.

Peter’s the same as he always is, backpack slung over one shoulder making his posture lopsided, eyes wide behind his pair of thick glasses, hands shoved into the pocket of his oversized MIT sweater, buying a coffee with extra caramel. Except his eyes are red-rimmed and his voice is thick and scratchy like he’d been crying.

Peter shrugs, shoulders hunched up around his ears. “Not really. When do you take your fifteen?”

“He’s taking it right now,” Cassie buts in, elbowing Harley in the ribs. She’s already got Peter’s coffee ready, sitting on the counter, and she’s pouring a second for him. “Take your thirty, I’ll cover for you.”

Harley won’t argue with that, wanting to comfort his new friend. He links their arms together and heads for one of the booths in the far corner instead of their usual table, worry squeezing his chest. It’s only been two months but he cares about Peter a lot. More than he thought possible.

“It’s stupid,” Peter says, but he clutches his drink close to his chest, eyes watery and hands trembling. “My parents want me home for Winter Break.”

“So?”

Harley would kill to be able to afford a flight home to Tennessee for Winter Break. He has to save up all year just to afford making it home for the summer, winter and spring breaks have to be spent on campus or with Gwen who has an apartment in the city. He misses his mom and sister like crazy when he’s away for so long.

Peter scoffs, glassy eyes rolling. “They suck. I’m sure you’ve heard of Richard and Mary Parker before. Yeah, they’re not about to get Parent of the Year awards.”

“Why not?” Harley asks. He certainly knows the two of them, they’re famous scientists, alumni from MIT as well. It’s hard not to know them. “If you don’t mind me asking, of course.”

“They don’t care, they never did. Most of my childhood was spent with nannies or babysitters while they were out for business or other things they wouldn’t tell me about. The only time they ever cared was when they were telling me off for blemishing their reputation, or to tell me I needed to work harder if I was ever going to be allowed to get their company.”

Harley frowns, trying to empathize with his pain. He’s never been in a situation like that. In Rose Hill, you could get away with doing pretty much anything, nobody had reputations at stake, consequences were few and far between. Harley once landed himself in jail for a stupid night with people who weren’t really friends. Nobody cared, Harley even became pretty good friends with one of the officers who arrested him. His mom didn’t even have to pay to get him out.

“That really sucks, I’m sorry,” Harley says.

Peter shrugs again, chewing on his bottom lip. “I got a B on a test in astrophysics a month ago.”

“I remember.”

“They’re going to kill me for that. A B is essentially an F in my house. To them, I failed.”

Harley’s frown deepens and he reaches across the table to grab Peter’s hand. “You studied so hard for that test, you were sleep-deprived and upset because of that argument with your roommate. That wasn’t your fault. And either way, a B’s still a good grade.”

“Not to my parents, it’s not.”

“Why does their opinion matter? You’re an adult, they don’t have to control you anymore.”

Peter lets out a humorless laugh, eyebrows furrowing as he tries not to cry. “I don’t have a choice. I have to go home for the holidays and I have to take over their company and I have to do what they tell me to do. They control my money, they pay for my tuition, they’re all I’ve got. I don’t have anything else.”

“I’m sorry,” Harley says again, he doesn’t know what else he’s supposed to say, doesn’t know how to make this any easier for him. “Well, if you need anything, feel free to call. I’ll be here all Winter, so I’ll be available to talk if you need to.”

“Thank you.” Peter’s voice breaks and he doesn’t catch the tear in time for Harley not to see it. “I honestly don’t know what I’d do without you. It probably looks like it, but I’m not just using you for coffee.”

Harley smiles, squeezing Peter’s hand. “And I promise I’m not using you for answers to future tests. You may be a genius, but I’m not a cheater.”

“Good because I have a proposition. I only leave on Saturday, and I need an extra set of hands to pack up my dorm room? My roommates already gone, so it’ll just be us and we could watch some movies afterwards? If not, don’t worry about it-”

Harley grins, finishing off his coffee. “I’d love to. Tomorrow afternoon? I have the day off work, but I’ve got a class until two, so I’ll come over after that?”

“Sounds perfect.”

* “I’m going to miss you,” Harley says, watching Peter make a little pile of the bags they’d packed the night before from his bed. Peter’s got a mid-afternoon flight, so he needs to be out by noon. “That’s three Thursday nights without you at the café.”

Peter smiles softly, turning from where he’d set down his backpack at the door. “I’m going to miss you too. Three weeks and I’ll be back to bothering you all the time.”

Despite knowing it’s a joke, Harley rolls his eyes. “You’re never a bother.”

“I’ll call you? I live out in California, so I’ll try to remember the time zone differences, but don’t hate me if I accidentally call you in the middle of the night.”

Harley turns his head into the pillow, smiling dopily at Peter. “I told you, call me whenever. I want to hear all the gossip about your stupid parents.”

“Well there will be plenty of gossip, so be careful what you wish for.”

There’s a pause as the reality of everything sets in. Three weeks without each other after only two months together seems unfair. Harley’s going to miss Peter a lot. He’s been ignoring the crush that’s been festering over the past couple weeks especially. He doesn’t want to hurt their very new, budding friendship, especially not when Peter’s under so much stress as is, but last night, watching movies on Peter’s bed together on his laptop, it really solidified the crush.

“I should get going,” Peter says miserably. He slings his backpack over his shoulder again, glasses askew on his nose, dark circles under his red-rimmed eyes, hands shaking.

“You want me to drop you off instead of taking a cab? I wouldn’t mind driving. We probably even have time to stop for a quick coffee.”

Peter smiles brightly, big enough to show off his dimples and light up his eyes. Harley gets off the bed, taking off his red MIT sweater, leaving him in an old t-shirt from the diner his mom works at, and hands the sweater over to Peter.

He wants to say so you’ll remember me or a reminder you’re not alone but he can’t say it. Instead he says, “You look a bit cold.”

“Thanks,” Peter murmurs, flushing softly. Harley reaches out and straightens his glasses before slinging the duffel bag on the floor over his shoulder.

“Let’s get going then.”

Peter picks the music, old Disney movie soundtracks, and Harley drives, paying for coffees on the way to the Boston airport. They don’t say much, humming along to the music to keep from saying too much, but linking their hands together which says just as much.

When they get to the airport, Peter insists on Harley staying in the car.

“Three weeks,” Peter promises, blinking back tears.

Harley offers a smile, squeezing Peter’s hand. “Call me, it’ll feel like no time at all.”

The younger boy opens his car door and looks like he’s about to slip out of the car, but he turns back to Harley, eyes wide and glassy. He leans across the center of the car and kisses Harley hard.

“I’m sorry-”

Harley reaches over, cups Peter’s face and pulls him back in to kiss him again. “I really like you, like a crazy amount, I didn’t want to say anything because I love having you as a friend, but I do really like you.”

“I really like you too. I didn’t tell you but before you talked to me that one day, I was always going into your café just to see you but I didn’t think you noticed me.”

“You’re going to miss your flight,” Harley says, brushing his thumb over Peter’s cheekbone and frowning disappointedly.

Peter huffs out a breath, pushing open his door. “I’ll call you? We’ll talk about this?”

“Of course. Call me whenever,” Harley says, stealing one last kiss. “Go before you miss your flight.”

The younger boy grins so bright, finally slipping out of the car, backpack over one shoulder, leans back to blow a kiss, and then he’s gone.

Harley has to pause for a second, smiling up at the ceiling of his car, before he feels ready to leave the airport, and Peter, behind.

Three weeks.

* It takes a week and a half for Peter to call, and when he does, he’s crying.

“This sucks,” Peter starts, voice trembling and thick with emotion. “Being home sucks and missing you sucks and everything sucks.”

“Hi to you too, and merry belated Christmas.”

“Sorry, yeah, merry Christmas, happy holidays, hi, how are you, and all that. I wish I were in Boston so much.”

Harley lets out a short laugh, sprawling out on his bed, phone pressed against his ear. “I wish you were here too, if that helps. What happened?”

“My parents were totally pissed about my B like I knew they’d be. And when I tried to tell them about you because I was excited, they told me I’d find a nice girl to settle down with soon enough.” Peter chokes out a sob, voice tipping towards angry. “I know I’m bi, so maybe, but it’s not fair.”

“No, it’s not fair. Some people are like that. I remember coming out as gay in a small town in Tennessee, it wasn’t received very well.”

Peter sighs sympathetically. “I just- I don’t even want their company, you know? I want to work at Stark Industries like how I’d been interning, but I don’t have a choice. I’m the heir, the papers were signed, it’s mine as soon as I graduate so they can retire.”

“You’re a genius, and legally an adult, find a way to un-sign them. Or when you get jurisdiction, terminate the company. There’s still options, there’s still ways you can get where you want to be.”

“I know, I just- I don’t know. I wanna go home. I want to see you.”

Harley smiles softly to himself, shaking his head. “I know, I miss you too. But you’re halfway done, you can do it, and I’ll be there at the airport for you when you get back.”

“I know we said we’d talk about it but I really don’t think I can handle-”

“No, no, of course.” Harley doesn’t mind. He’s kind of liking this in-between stage they’re living in. Not dating, no labels, but definitely something more than friends. “In case you needed a confidence boost, you’re a genius. You’re the smartest person I know and I know a lot of people. According to Gwen, you’re the nicest person too, and I agree. You’re very sweet and kind. Plus, have you seen yourself? You’ve got a lot going for you.”

Peter laughs quietly, tears finally fading. “You’re too nice to me. Maybe being around you is going to make my ego too big.”

“I don’t think that’s possible,” Harley says, lightening up. “You’re too humble for that. Oh, I’m not supposed to tell you this, but apparently, Gwen did notice you first, and she purposefully sent me over to your table that first day.”

“Really?”

“Yep. She thought I was getting too lonely, after spending over a year in Boston and only making two friends, and not seeing anybody, so she was hoping something would happen between us, which I guess it did, so I owe her one.”

Peter laughs again, then goes quiet for a moment. “I need to get going soon. Dad’s taking me to meetings all afternoon. I hate going, people only see me as a stupid kid or as competition.”

“Prove them wrong, stand up for yourself, or at least get me on the phone so I can stand up for you.”

Far away from the door there’s a shouted, “Get your ass out of bed! We leave in thirty and if you’re tie’s on wrong and I have to reteach you, I swear to god, it’ll be the last thing you do!”

“Was that your dad? Threatening you?” There’s already a protective edge to his voice like Harley will fly all the way to California just to stand between Peter and his dad.

“They’re normally empty threats,” Peter offers like it’s no big deal. “He prefers yelling more than anything. Mom says he’d probably do worse if it weren’t for the cameras on us all the time.”

Harley’s mouth falls open, anger flooding through his chest like a wildfire. “You should stay with me this Spring Break and Summer. There’s plenty of extra space in Gwen’s apartment and in my childhood home. I don’t want you back there.”

“You’d want me around for that long?”

He nearly chokes in surprise. “Of course I would. I want you always, whenever. I don’t want you home again if I can help it. It’s obvious it’s not good for you.”

Harley doesn’t know how their relationship will fare, how they’ll be in two months, in six, he doesn’t know if he could convince Peter to stay away knowing the anger it would cause, he doesn’t know if it’ll be enough to keep Peter safe. But he knows he’d do anything to try.

“I’ve gotta go before my dad’s head explodes. I’ll call you as soon as I can and we’ll talk more about these plans, ‘kay? I miss you.”

“I miss you too. Only another week and a half left.”

* Harley has to wait at the airport for three hours because of a flight delay and the longer he waits, the more he itches to see Peter. They still haven’t talked, so Harley isn’t even sure if greeting him with a kiss is allowed, but he doesn’t know how much he cares. He’s been thinking about it for three weeks, lord knows Gwen’s losing her mind with his constant rambles about Peter, and he’s pretty positive Peter will be just as desperate.

He sends another text to Peter, letting him know the area he’s waiting in, and waiting to see if it switches to delivered which would mean he’s landed. It does and Harley can barely contain an excited squeal.

If I run, I can be there in 3

Harley sends back a quick, please, which goes unanswered.

He keeps half his attention on his watch, slowly ticking down, and half on the people walking around him, waiting for the mop of brown curls to make their appearance.

At two minutes, thirty seconds, he sees Peter.

“Peter!” he calls out, ignoring some of the dirty looks people shoot him, and lifting a hand into the air.

Almost immediately, the boy starts running faster down the last stretch of hallway, dropping his duffel a few feet away, before launching into Harley’s awaiting arms.

Harley has to take a few steps to rebalance them, arms winding around Peter’s waist and kissing him hard. Peter’s legs are around his waist, hanging onto him like a lifeline, hands in his hair. Eventually, Peter’s smiling too wide to continue kissing, pulling back to let out a giddy laugh.

“I missed you so bad. I know it was only three weeks and I know we’ve only known each other for a few months, but I really like you, and I didn’t think I would miss you as much as I did, but every day without you felt like a marathon. I don’t want to skip the conversation, but I just want to know that this is real,” Peter rambles.

Stealing another kiss, Harley tightens his grip on the younger boy. “Yes, god yes, I couldn’t stop thinking about you, every day for the past three months, and I want this to be real too. I want to be your boyfriend, I don’t care how soon or crazy it is.”

“My boyfriend,” Peter echoes, lighting up in a smile. He kisses Harley again and then hides his face in the crook of Harley’s shoulder, nodding. “Yes please. I would love that.”

They hold each other for a while longer. Long enough for the majority of the baggage pick-up to clear out, long enough for Harley’s knees to start cramping and his cheeks to hurt with how wide he’s smiling.

“I’m not letting you go back there,” Harley says because it feels necessary. “I’ll find a way for you to stay until you graduate.”

Peter smiles pulling back enough to kiss his forehead. “Good, thank you, I didn’t want to go back.”

“Time to go home, boyfriend?” Saying it makes Harley giddy with pure joy.

His mama’s going to freak when she hears about Peter, she’s only ever wanted what’s best for Harley, and Peter’s that. He’s the best for Harley. It doesn’t get better than him. And he’s going to do everything in his power to be the best for Peter too.

Taglist: @littlemissagrafina @spideygirl2003 @romeoandjulietyouwish @c-artara @shadedrose01 @likeaphoenix13 @pj-hermes-tonystark-obsessed @you-get-killed-walk-it-off @kitkatwinchester @emo-girl10 @justme--emily @hold-our-destiny @imalivebecauseirondad @spiderman-peterman @dykeragee @maryserrao @heeeyitskay {Let me know if you wanna be added or removed}

#lyss writes #parkner week 2020 #parkner #parkner fic #peter parker #harley keener #gwen stacy #coffee shop au #no powers au #harley keener/peter parker #oops this is unedited #also I know it's supposed to be day seven and i'm only on three #I'm sorry oops #I'm going to try to write another one for tonight and then two for the next two days and finish on monday #hopefully but don't hold me to that

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mueritos · 4 years

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hi!! i'm a senior in high school and i'm about to commit to a college, do you have any tips on handling tuition and stuff? i'm doing research on loans and grants, but i dont really understand the whole process of paying for college

Hi there! I can only give information based off my own experience as a college student but also as a worker in my schools financial aid office. These are essentially the kind of questions I would answer on the daily.

Tuition will vary by school in how the allocate it. Sometimes your tuition will include books and other expenses (printing, the library, gym, textbooks, etc), while other schools’ tuitions will have all of those things as an extra thing to pay for (ex, you’ll need to pay like 25 cents for printing or for a gym membership at your school). Tuition also varies based on whether your school is a public or private institution. Private schools do not receive funds for the college itself through the government (students can apply for federal aid and receive it), hence why their tuitions are often higher (as well as to cover the cost of more expensive things). Private schools mostly rely on donations from alumni, the community, investments and their endowments. Often, endowments aren't that accessible and must be times correctly because they fluctuate with the stock market. Public school (like state schools) usually have lower tuition costs because they receive aid from the federal government. Room and board will vary from college to college, as well as whether or not meal plans are attached to that and cost.

Student loans are either federal or private. Federal loans come from the state level, private are often thru alternative lenders like banks. When you fill out the FAFSA, your school will process it accordingly and let you know how much Need based aid you qualify for. This need is based off your own income, your parents’, how many people live in your home, how many are in college as well, etc and etc. You can receive aid through federal direct loans like unsubsidized and subsidized loans. Subsidized loans are seen as more favorable, as their percentage of interest usually stays the same throughout schooling and you don’t have to pay for that interest while you are in school. Unsubsized can be awarded to anyone under some qualifications, but its interest rate can fluctuate and will need to be paid while you are in school. Alternative loans are through banks like Wells Fargo or Sallie Mae. These have their own interest rates and its best to speak with a representative from where you seek to get a loan from in order to understand their terms. You do not need to pay your loans while you are in school unless it is six months after your graduation (or you deferred your loans for longer after graduation), or you drop below a specific number of registered classes (half time/part time) that would mean you are not a full time student. Dropping below a full time student may also mean you might not receive federal aid.

Grants and Scholarships are money you do not need to pay back. Grants can be private or federal. Some grants can be given out by organizations, fellowships, families, etc, while others are given based off the FAFSA and need based aid. Scholarships can be need based or merit based, which means you can receive a scholarship from your school for being below a certain socio-economic level or because you had a high GPA in high school. Other scholarships can be based off demographic. Be careful with external scholarship policies in your school tho; if you reach a certain amount of money thru outside scholarships, your school may take away some of the aid they gave to you to balance it out. For example, my institution has a max of 5000$ in outside scholarships before shifting your aid. Another thing about outside scholarships is that sometimes they have fine print about how the money should be applied. Sometimes the money will go to you with no policy, other times it will, and other times the scholarship check will be sent to the school as a check with or without this policy. No worries, the policy attached to some outside scholarships is just about whether or not it will be applied entirely for the fall or spring semester, split between both, or have no preference. Keep this in mind.

Paying for school is usually done in payment plans, whether this is online or in cash/check. Books can be bought online using credit from a loan (credit will be extra funds applied to ur account by overextending a loan to pay for books), or with your own money or scholarship money. Some people pay their tuition bills all in one go, others dont. Most payments are usually the first of every month.

In my own advice, don’t be ashamed of taking out a loan. I know it can be scary, but just know that there are lots of people who can’t go to school without loans. I had my entire first year paid for with scholarships and my federal direct loans, and because tuition fluctuates, I will using more funds from my federal direct loans to pay for it. It’s best to get as much free money as possible, but again, don’t feel ashamed. Also, colleges are not legally allowed to give you advice on loans, they may, however, have a preferred lender list that can give you some insight on the lenders they have worked with in the past. Another piece of advice I will give is that your first financial aid award doesn’t have to be your last. I usually get calls from a lot of parents stressing about the cost they were initially awarded and they are pleasantly surprised when they are told that they have the option to appeal for more aid! This process may vary between schools, but you can usually appeal as many times as you’d like. You just need to write up a letter of sorts explaining why you need more funds, they may ask you for some documentation to verify (i.e, a death in the family, disability, proof of orphan/etc), but also keep in mind that the funds you may receive from an appeal may or may not be a lot. This is why they allow you to appeal multiple times. I’ve seen families get only a couple hundred while others got a few thousand more. And again, if you are caught in the semester with a sudden change in your financial situation, you can appeal or ask for more aid.

Keep a good relationship with your financial aid counselor, do your paperwork on time, be nice and patient, and just. Dont be an asshole! If you’re angry in your counselor’s office about a disbursement mistake without hearing them out first, they will be less keen to help you next time, or at least in a timely manner.

I hope that helped you! Let me know if you have any other specific questions. Good luck in the future!

#pittsanswers #school advice #I recently appealed for more aid becuz im trying to live on campus #I pulled the minority card so hard #I was like :( I am a latino and cannot afford college and im trans and would like to liven campus because commuting was fucking up my ribs #cuz I would wear my binder when I was on campus #and I was on campus from 7 am to like midnight some days #yea my fucking ribs and chest fucking hated me #ive yet to hear back but I hope I get a couple thousand #again hope this all helped!

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thegamegeneral-blog · 4 years

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Oklahoma City, Oklahoma Independent Insurance Agents

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Oklahoma City, Oklahoma Independent Insurance Agents

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How To choose The Right computer graphics Insurance Plan

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Sung Kang - Health and Life Insurance Broker7015 W Hefner Rd, Oklahoma City, OK 73162 USA(405) 492-4670

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Oklahoma City, Oklahoma Independent Insurance Agents

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ivythewitch · 5 years

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Why it’s hard being an adult

Just in case people think that having a job that pays more than $12 an hour affords a decent lifestyle, I did the financial math for my new job and how many of my monthly bills I can afford to pay:

Average Monthly Take Home pay: $1400

Rent: $670 (part of this pays for my groceries)

Insurance:$300

Cell Phone: $55

Gas for my car: $60

Personal Lifestyle Expenses: $40

Other: $100

Total left at the end of the average month: $175

This list does not include: Renters Insurance, this is covered by my boyfriend as his insurance rate was better, and it’s fairly cheap anyway. Entertainment outside of work related outings. Car insurance, because my car is owned by my boyfriend legally, so he pays that bill. Credit Card payments, from my 7 months of unemployment. Loan payments, which I owe money to my brother and my boyfriend borrowed during my unemployment. Amazon Prime Membership. Any of the extra household costs that a normal person comes across in the course of a month. School tuition and textbook costs(which this last semester were $350), car maintenance(due soon, I think my starter is going bad), medical copayments(Again, due soon, I start therapy as well as have to see a nutritionist, gyno, eye doc, and dentist within the next 5 months) or EMERGENCY SAVINGS

(The Other category contains extra things, like if I need a new pair of shoes for work, want to treat myself to lunch with a colleague, if my pets need something for their quality of life (like cat litter or poop bags), or if I get my period or get sick and have to pay for something like Dayquil or lactose pills or tampons)

(Lifestyle expenses are the non-essential items I prefer to have in my life so I can enjoy my time on the planet without feeling completely depressed and deprived of all joy, This includes a subscription to Ipsy.com, extra cloud storage on Google, and Spotify Premium among a couple other small subscriptions like HBO via Amazon Prime)

(I get my Health, Dental and Vision insurance through the marketplace, which is supposed to be affordable, I did not qualify for a tax credit)

(I pay half of my apartment rent that I share with my boyfriend)

Based on my list, I can NEVER afford to live comfortably and safely on my own even with a $12 hourly wage. If (Gods forbid) my boyfriend and I ever break up? I will be royally screwed. It’s tough out there folks. Tip your servers, give Visa gift cards to your kids teacher and ask your friends how they’re doing, because most of us are not alright.

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angstymarshmallow · 7 years

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By Chance Part 1 - Drake x MC (A Royal Romance Mini-Fanfic Series)

[A little Note: I kept thinking what ifs since the chapter update last week and have decided to indulge in an idea I had from If Things Were Different another fanfic I wrote about Drake and MC meeting differently, and meeting first. Edit: Part 2]

[Summary: A twist of fate has collided MC and Drake right into each other. Meeting for the first time under far different circumstances, MC doesn’t know why Drake feels so familiar, as if her soul has known him from a different life.]

Serendipity; finding something good without looking for it.

Moving to New York begun as many dreams did for Riley. Exciting, exuberant. One filled with hope, and a longing for something more. A chance to be something more. Her sense of adventure brought her; because she wanted to find here where she could not find anywhere else.

The Big Apple in all it’s intimidating glory was supposed to make her better, to give life meaning and fill the empty void she had always suffered in the safety of her hometown. However, it didn’t take long for Riley to realize that wistful thinking could only push her so far. Things did not happen by chance, people had to make them happen.

A sigh escaped Riley’s lips as she propped on elbows along the bar counter and stared pensively across the room. Her eyes halted at the last table of the night, the only people left inside the dingy diner.

Everyone else had cleared out, and the rest of her fellow employees had turned in as soon as their shifts were over. Friday nights were supposed to be spent out until the wee hours of the morning. So she had always been told anyway, but more often than not, Riley never made plans that lasted until three am in the morning. She couldn’t under the responsibility of caring her cat and the prospect of her waiting at home with her tiny whiskers pressed up against her apartment door.

Except the last table of her miserable shift stood between her and freedom. She wanted to toss in the towel for the night, and barely ignored the urge to use her commanding waitress tone on the rowdy guests left inside.

It was a group of them, younger than herself - college kids which had a little too much to drink and were becoming increasingly loud and obnoxious, the longer she watched them.

How had she gotten here? When did doing good translate into what was starting to feel like eternal punishment? She cursed herself for her inability to say no. Friday nights were not apart of her usual shift, but after her friend had begged her to switch because of pressing family matters; she didn’t hesitate to and had unknowingly doomed herself to this hell.

But it wasn’t all bad, she decided as she dropped her cloth back onto the counter. On the plus side; she could use the extra money. If she wanted to pay the mountain of tuition debt left behind after graduating, she needed every source income she could grab her hands on. Briefly, she wondered how much she could sell a kidney for on the black market but thought better of it as her thoughts returned to the present once more.

She grumbled under her breath as her hands aimlessly wiped the counters. This was how she decided to pass the time, hoping at least one scatter-brained man across from her would take the hint and suggest to the rest of his friends to leave.

No such luck.

Mercifully, when the clock which hung securely from the wall opposite of her finally struck ten, she could utter the words she had been thinking ever since they arrived. “Last call, boys.”

She heard a groan followed by loud protests, as they beckoned for another pint. Rolling her eyes, she acquiesced and gathered the substance before dropping it by their table.

They ogled her as she straightened, their expressions mixed with grand stupor and lust in their hastiness at giving her an appreciative once-over.

“Not even if this was your last day on Earth.” She curtly said, eyeing each one of them with impatient brows before folding her arms. “I’ll call you a cab, but otherwise this is probably the last conversation we’re having for the rest of the night.” After a beat she added, “and probably ever.”

One of them snickered, exchanged a lewd comment before focusing their attention back to their drinks.

She rolled her eyes and ignored the stab of annoyance she felt. She was used to it. She didn’t like it, but she tolerated it so long as the tips were good. And yet, this stood as another reminder why she needed to find something better. Something better. Something she could actually enjoy; and not worry about the prying eyes of college boys.

She called them a cab and begun closing up for the night. She wiped tables, rearranged chairs, carefully placed and restocked behind the bar, before double checking that everything was in order and prepared for her co-workers on the weekend.

By the time she glanced absently at the table of drunken men settled in the furthest corner, they rose from their seats and stumbled towards the entrance. They held onto each other, whispering loudly enough for her to hear but still pretend to ignore.

She watched them go, with her pinky fingers locked behind her back. Unless one of them collapsed before reaching the door, she didn’t feel inclined to help them. But after picking up their receipts and seeing the generous tip they left her, she reassured herself by poking her head outside, just in time to spot the cab they disappeared into.

She closed back the door and rested against it for a moment. Friday had been long and grueling. The crowd at night weren’t the same customers during the day and her shoulders sagged with relief of another day finally done.

She rubbed her temples before glancing at the clock again. It was nearly eleven when she left, scooping her apartment keys and tucking her boots under her arm as she did one final check before leaving the quaint diner.

She had forgotten her essentials - a jacket and an umbrella she had forgotten in her great haste to make it to her shift on time. She walked at a comfortable pace before checking her for for the transit schedules. But among feeling a sudden drop of water splashing by the front of her own, she hastily dropped it inside her pocket’s slacks and as she watched the sky turn miserably grey, she wondered what kind of cruel person nature was. And why she was the only one seeming to suffer from it. As soon as she begun feeling droplets of water spilling across her cheeks, she picked up her pace.

Her luck really couldn’t have been any worse.

It didn’t take her long to spot one; they were scattered along the city and one couldn’t walk far before making out their slightly cylinder shapes. She quickly crossed the street with her arm half obscuring her vision before finding sanctuary underneath the shelter’s shade.

“Things really couldn’t get any worse.” She hadn’t realized she had spoken a loud until she heard a deeper voice snort beside her.

Her eyes scan the shelter and she realized with a jolt that she was not alone. In this dim light, she could make out his hair, an unruly dark brown that was swept into a lose bun. His clothes were nowhere near as damp as hers as his blue jacket seemed to have kept him mostly dry.

His eyes were dark as was his expression when he met her stare. “Someone always says that, and then it always gets worse.”

He had an accent, thick - European. She has never heard something quite so lyrically pleasing before, as if every word pronounced was done with deliberation - it sounded Greek but not completely. It took her a few seconds to push past his accent in deciphering his casual tone. Absently, she wondered what had brought him here. New York City’s tourist season was nearly at its end.

“Not true.” She said almost automatically, a reflex of hers from her rebellious youthful days. “What’s the worst that can happen?” It was already Friday and she was stuck outside. What else could make this worse?

It was as if nature had intended to mock her itself. Minutes after speaking, they both winced at the sound of thunder booming and the sight of lightning crackling in the distance. “Awww, come on really?” Exasperated, she glanced up at the sky. Had she not suffered enough?

“See? I told you - every time.” The man beside her sounded amused.

Her shoulders stiffened. She didn’t take kindly to people proving her wrong or making her feel silly for that matter, especially when it was someone she didn’t know.

Stubbornly, she marched over to the other side of the shelter, the part less covered intending to place as much distance as she could between them. He didn’t seem perturbed by her sudden indifference, rather when she peeked at him again - his shoulders had visibly relaxed as if he was more comfortable with her being further away to begin with.

The downpour of steady droplets fell harder than before in a matter of minutes and she shivered as the wind picked up. The more she stood and shivered, the more she wished she was at home with her cat instead, curled up on her sofa with a comfy blanket and binge-watching her favorite tv-show with a tub of ice cream in front of her. Why was it today of all days of the week?

She knew why, her attention had shifted elsewhere; on the mountain of bills pooling by the front of her apartment and the fact that she was behind this month’s rent. Those were all signs that she needed a better job, but she kept telling herself it could wait and everyday that passed, she had the same excuses

Her mind drifted back to the present - she would give anything right about now to be outside of this rain.

As if reading her thoughts, she heard the man grumble beside her. “You’d think a woman would have the good sense to carry her jacket when dealing with this weather.”

New York could be as predictable as it could be volatile. The weather woman had mentioned the possibility of rain but one she hadn’t considered seriously. The morning had been unforgivably hot. “And you’d think a man would have the good sense to offer his jacket.” She muttered back, hugging herself and rolling her eyes. “But alas, chivalry is dead.”

She wasn’t sure if she was hearing him clearly as another clash of thunder assailed her ears but she could have sworn he was snickering.

A low rumble came from his throat.

Usually she liked making small talks with the people she met, because most of the time, she believed everyone had an interesting story to tell. But this man was different, frustratingly so. The earlier moments of familiarity had been forgotten long enough for her to realize he was only adding to her terrible day. All she wanted to was for the transit to magically appear and put her out of her misery.

Silence clung to them as Riley shifted on her feet. She was tempted to break it, as the only sound they were both acutely aware of were her own teeth, chattering. The cold seemed to fasten around her, sweeping her skin and leaving her with undeniable chills.

She refused to look at him directly, but couldn’t help taking a small peek from the corner of her eyes. Her view wasn’t good enough; certainly not for her to analyze whether or not he was a good looking tourist - or one of those crazy strangers you spent avoiding after meeting eye contact with.

She heard him utter a resigned sigh, and she flushed a little when his eyes shifted back to her. “Look, do you want to borrow my jacket?”

She forced a smile she didn’t feel as he waited for her answer. “No thanks. I-I-I w-wouldn’t want t-to put you out of place.” She wanted to be irritated, to be angry at the suggestion. It only came after the complaint of her forgetfulness, and after all - she neither cared for pity or charity. But every word came out as a pathetic squeak; she was tumbling over them as quickly as she was shaking. Could things get any more depressing?

“Don’t be stupid, you’ll freeze to death.” He sounded as if he would actually care if she did - a complete stranger.

She turned to him and saw a flash of genuine curiosity and warmth inside his eyes which, quite frankly surprised her. “Alright.” She stepped closer until their shoulders brushed and his arm cautiously came around her.

She was suddenly aware of the man’s breath so close to her ear, or the familiarity she felt at being so close, as if this wasn’t the first time they had crossed paths. It made no sense to her, she was sure she didn’t recognize him and yet her heart was telling her a different story. She leaned into him a little without thinking and flushed when she realized how strangely natural it felt to, as if they had met before.

Together underneath the bus shelter, they shared his jacket.

If she turned to look at him, she would have had the perfect view of his face. To see what her mystery stranger looked like. But suddenly the idea struck her as awkward and as it was scary - her stomach was simply disconcerted at the thought. She would be embarrassed if he caught her abrupt stare.

“So, great weather we’re having.” She announced suddenly, and then immediately regretted it.

Smooth move Riley, real smooth. She did this whenever she was around someone she didn’t know - said things that sometimes, made few sense. A strained and sometimes foolish way of coping with uncomfortable and un-predicated practicality.

Already, she could tell by the sudden tension and rigidness beside her; he probably would have preferred if she stopped talking. “I mean it’s not really great per say,” she continued on because he hadn’t said anything. “It could be better especially on a Friday night, you know?”

He didn’t respond.

Nerves kept her talking, “I mean really what’re the odds that this kind of weather would happen on a Friday of all days?” A hesitation, “despite the fact that there was a small chance it would rain -”

“Do you always talk this much to people you’ve only just met?” His response was curt, a little chilling. “Must get tiring.”

Her irritation flared, like a new-born fire that refused to be doused. Oh the nerve of some men! She wanted to give him a piece of her mind with that attitude. She could feel his eyes on her in the same breath that her eyes glanced up at his.

Their eyes had finally met for the first time.

Her throat went dry.

There was a sudden heat to her chest that had nothing to do with how warm he felt next to her. A strange and yet familiar feeling spread, and lingered in a way that his eyes does on her face.

There was something about him.

About this.

She couldn’t place it but something about this called to her.

She sucked in a deep breath.

Her reply was lost in between his steady gaze; the way they widened just a little before flashing in intimate recognition - as if he felt it too. Until finally, they both looked away.

Her heart had suddenly picked up speed - badump, badump, banging wildly inside her chest. Her hands felt useless by her side and she dived them into her front pockets. Badump, badump - she was afraid it was loud, too loud and the fear of him hearing it’s sound made her try to step back.

She tried to create some much needed space in between them; she just needed to remember how to breathe again. Except with every movement she made to untangle herself, her head and arms protested. She had forgotten they were still tied to his jacket.

“Sorry, I -” She bit her bottom lip to stop herself from continuing. Awkwardly, she tried to duck from under his jacket, until he took it off completely.

Surprised, she watched as he settled the entire piece of clothing around her shoulders. The weight was oddly comforting. “What’re you -”

“Can’t have your teeth chattering again.” He didn’t look at her, however there was a half smile on his lips, “it was overbearingly annoying.”

She wanted to say something, but all she could come up with was a grateful smile. “Thank you, Mr -”

“It’s just Drake.” He finished, inclining his head at her.

“Nice to meet you Just Drake.” She smirked at his sudden frown. “I’m Riley-Robyn Tinsely but - just Riley; to most of my friends anyway.” She held out a cold, wet hand to shake his.

He examined it before grasping her hand in a firm yet steady grip. “Alright Tinsley, do you happen to know when this bus will get here?”

A laugh escaped her throat. “Soon, I’m sure of it.”

They waited in silence, except the quiet stillness between them was different. It changed from the stifling awkwardness it had been minutes ago and felt almost companionable. As if they were two people who simply knew each other, before Drake humored her on what he thought of American weather.

Minutes went by like this and with each fleeting moment, they grew more comfortable and gave little bits of information to each other in order to pass the time. Until, they realized with surprise; they were waiting on separate buses.

Hers arrived first. She hesitated for a moment when they locked eyes again; and she felt herself being pulled by his dark eyes to stay. As ludicrous at that sounds, she was half-tempted to ask where he was heading before thinking better of it. Waving and uttering a soft goodbye, she rushed to catch last shuttle home.

He watched her go with an absent half-smile on his lips. Until he felt it growing into an almost smile, he paused to check the time. So far, America was beginning to teach him things - different experiences than what he had grown up with in Cordonia.

Good different - but nonetheless, with it’s offbeat and yet distinctive charm - New York was turning into a more complicated and intriguing place than he thought it would.

The woman was right; the bus hadn’t taken long after. However, as he stepped with intent to board the vehicle, he noticed something flashing from the corner of his eyes. A gleaming screen every few seconds; a few short paces from where the American woman stood only minutes ago.

He glanced at it for a few seconds before pocketing it and heading inside the bus.

A funny feeling settled over him, one he couldn’t shake, and as a man who didn’t believe in fate or superstition - a part of him had an uncanny awareness; this wasn’t going to be last of seeing Tinsley. Try as he might, he couldn’t shake this. Unfortunately, at the time he didn’t know just how right he was going to be.

#drake x mc #this has been sitting on and off in my drafts for days #i really wanted to write it #but will i finish it #playchoices #chocies stories you play #the royal romance #that's another problem entirely #i should stop staying up so late #long post #i think i just wanted to write them a happy fic #feedback is always appreciated!

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onlinemarketinghelp · 5 years

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The 50 Best Ways To Save Money In College And Live On A Tight Budget https://ift.tt/2lHd8ik

The idea of saving money in college might sound impossible - but it's totally doable!

For most college students, this is the first time really having to budget and manage money on your own. You might not know all the tips and tricks to make your money last. That's what this list is for.

Here's some of the best ideas on how to manage your money and save money in college. These all come from experience. If you have more ideas or suggestions, want to share your hack, or want to tell us how silly these ideas are, leave a comment below!

Let's dive in on the best ways to save money in college!

Quick Navigation

Budgeting And Money Organization Basics

Saving The Money You Already Have

1. Have A Free Checking Account

2. No Fee Student Credit Card

3. Work in College

4. Never Be Late On A Payment

5. Don't Overdraft

Save Money On College Expenses

6. Have A Solid Plan For Your Classes And Degree

7. Fill Out The FAFSA Every Year

8. Watch Your Student Loan Borrowing

9. Apply For Scholarships And Grants

10. Use The Library

11. Minimize Your Textbook Expense

12. Sell Back Your Textbooks When You're Done

13. Get Your Education Discount On Computer Hardware And Software

14. Print On Campus

Save Money On Food And Drinks

15. Use Your Meal Plan To The Fullest

16. Keep Track Of The Best Happy Hours And Restaurant Promos

17. Attend Events With Food

18. Learn To Cook

19. Cut Back On The Alcohol

20. Use Yelp Regularly And Get The Deals And Promos

Save Money On College Entertainment

21. Attend Free Events on Campus

22. Use Your Campus Gym

23. Cut Cable And Watch Online

24. Share Gaming Expenses

25. Ask For Student Discounts

26. Start A Free Hobby

27. Read For Free In The Library

28. Volunteer

29. Start A Side Hustle

30. Become The Entertainment

Save Money On Transportation And Travel

31. Sell Your Car

32. Use Free Transportation If Possible

33. Get A Student Pass For Public Transportation

34. Use Travel Websites To Find Amazing Deals

35. Find Student Travel Tours

36. Learn How To Travel Cheap

37. Setup Flight Monitoring For Regular Flights

38. Consider Alternatives To Flying

39. Use Credit Card Rewards

40. Live Close To Campus

Save Money When Off Campus Living

41. Live With Roommates

42. Shop Around For Renters Insurance

43. Cut Your Cell Phone Bill

44. Don't Decorate

45. Be Mindful Of Your Utilities

46. Get Your Rent Payments To Boost Your Credit Score

47. Location Is Important

48. Buy Used Or Secondhand If Needed

49. Protect Your Security Deposit

50. Live At Home

Final Budgeting Tips

Budgeting And Money Organization Basics

Before we can even have a conversation about saving money, it's essential that you understand the basics of budgeting and money organization. This is something that can be new to a lot of college students, but it's essential for financial success.

Using your bank's website isn't going to cut it anymore as you get older. You're going to have more accounts, more bills, more to keep track of. You have to have a tool. Your personality plays a big role in your budget as well.

Just think, you have your checking account, maybe a savings account. You're going to probably have multiple student loans. Maybe a credit card. Hopefully you'll start investing in college and have an IRA. When you graduate and start working, you're going to have a 401k. The list of accounts goes on and on - and without a tool or system, you'll struggle to manage them all.

We recommend three tools that all do similar things - track your spending and help you monitor your accounts.

Mint - Mint is a free tool that allows you to connect your accounts from all your banks, lenders, and brokers and have them on a dashboard. We love Mint because it helps you set a budget, tracks your spending by category, and allows you to set goals. Best of all, it's free! Check out Mint here.

Personal Capital - Personal Capital is similar to Mint but not as robust with budgeting and goals. However, it's more robust when it comes to investing analytics. If you're an investor (or want to be), this is probably the best tracking solution for you. It's also free. Check out Personal Capital here.

Clarity Money - Clarity Money is another tool similar to Mint, but with less budgeting features and more "help" to allow you to understand your money. It also has great features like helping you cancel subscriptions or avoid other money waste. Check out Clarity Money here.

Once you have a solid handle on your money, we can talk about ways to save!

Saving The Money You Already Have

You probably already have a little money when going to college. It might not be a lot, but you need to protect the money you already have!

1. Have A Free Checking Account

If you already have a checking account, you might be surprised when you find out the fees involved. Many banks waive those fees for students, or if you have a direct deposit, or other account with the bank. But other banks don't.

You need a free checking account. This is a baseline to save money - you should never pay for banking. Banks have plenty of ways to make money and checking and savings accounts shouldn't be one of them.

Our favorite account for college students is Chime Bank. Chime has a great mobile app, free checking, and best of all, no hidden fees. Check out Chime Bank here.

If you're looking for other options, check out our full list of the best online banks.

2. No Fee Student Credit Card

Starting to build your credit early just makes sense. And using credit responsibly is important. We are strong believers in getting a credit card, but treating it like a debit card.

Check out our list of the best student credit cards to find a card that matches your needs - with NO FEEs.

These cards are great because you can get rewards and rebates for your regular spending - a great way to save money in college.

3. Work in College

Working in college is essential for every college student. Not only does it give you a little money, but it also teaches you invaluable life skills - such as problem solving and business communication.

But why is working in college on a list of ways to save money in college? Because if you're working, you're not out spending money - you're earning it!

If you don't know where to start, check out our massive guide on 100+ Ways To Make Money In College.

4. Never Be Late On A Payment

Late fees not only cost you money, but then your underlying balance continues to grow as well. If you want to save money, never miss a payment. It's as simple as that.

Each missed or late payment can cost you $30 or more (and banks keep raising this amount). That's a lot of money for a college student.

If you made a mistake, and want to see if you can get it back, check out a tool like Cushion. Cushion helps you find late fees and other bank charges, and helps you get them back (for a cut). If having a late fee is a rare or one-time thing, Cushion can probably help. Check out Cushion here.

5. Don't Overdraft

Finally, to protect the money you already have, don't overdraft! An overdraft is where you spend money in your account that you don't have, and banks charge a fee to process the transaction.

So, not only are you going into debt a bit, but your bank is going to charge you an overdraft fee - which can be $25 or more!

If you've been struggling with overdrafts, consider using a service like Brigit, which gives you cash to prevent your overdraft - and all you pay is a simple monthly fee. Check it out and if your monthly fee per year is less than what you've paid in overdraft charges, this could be a helpful service for you.

Save Money On College Expenses

College is expensive! Here are the best ways to save money on key college expenses like tuition, loans, books, and more. These are going to be topics specific to saving on your education expenses.

6. Have A Solid Plan For Your Classes And Degree

One of the best ways to save money in college is to simply have a solid plan for you classes and degree program. I'm a big believer that college isn't the time to "find yourself". It's too expensive!

You should be going to college with a specific purpose - and ensuring that your taking the right classes and progressing to your degree on time is a great way to save money in college. Every extra class and semester costs money!

Even better, if you can get college credit in high school - by taking AP or IB classes, taking community college classes in high school, or any other means - do it! If you can knock out a lot of classes or credits early, you might even be able to graduate early (and save money).

7. Fill Out The FAFSA Every Year

The FAFSA is the key to your financial aid. If you don't fill it out, you likely won't be getting any type of financial aid (even student loans). That's why you need to fill out the FAFSA every year you're in school.

Filling out the FAFSA is very easy (here's our guide to filling out the FAFSA). But what most people don't realize is that, even if you don't get grants or scholarships year one, if your financial situation changes, you could get financial aid in future years. And so, if you don't fill out the FAFSA, it could cost you money!

Bottom line - fill out the FAFSA every year.

8. Watch Your Student Loan Borrowing

If you do have to take out student loans, you need to be very mindful of how much you borrow. If you borrow too much in student loans, you're going to struggle financially for your entire life.

When thinking about student loans, you need to consider the ROI of your college education. A good rule of thumb is never borrow more than you expect to earn in your first year after graduation. This will help keep your student loan debt manageable so you can afford it after college.

9. Apply For Scholarships And Grants

Too many people think that the only time to apply for scholarships and grants is when you're in high school, before you start your first year of college. WRONG.

You can apply for scholarships and grants every year throughout college. Given that many scholarships go unclaimed (or have very few entires), if you dedicate some time to applying, you could find yourself getting a lot of money to pay for school.

Make sure you read our guide on How To Find College Scholarships.

10. Use The Library

One of the most under-used, but best free tools, on a college campus is the library. College libraries have everything - and it's free if you're a student.

They have books (or course), but they also usually have computers to use, videos, software, and more.

If you're really trying to get through college on a budget, the library will be your best friend.

Remember, though, that quantities are limited at the library. Being effective in using the library typically requires prior planning - knowing your classes and books ahead of time, going at odd hours, etc.

11. Minimize Your Textbook Expense

Textbooks can be one of your biggest expenses every semester - with some math and science textbooks costing over $200 new. This is a big area where there's tons of potential to save.

The best two ways to save on your textbooks in college is to either buy used books, or rent your textbooks. There are lots of places to buy used textbooks - and we recommend these places to buy college textbooks online.

Renting college textbooks is also an option. You can simply rent the textbook you need for the semester you need it. Here's some of the best places to rent college textbooks.

12. Sell Back Your Textbooks When You're Done

This could have been combined with minimizing your textbook expenses, but it's a whole area on it's own. When you're done with your used textbooks, you need to sell them and get your money back. It's one of the best ways to save in college.

If you've just stuck to reselling your textbooks at your campus bookstore, you're probably missing out on a significant amount of extra money.

Here's our guide to resell your textbooks for a profit.

13. Get Your Education Discount On Computer Hardware And Software

Another big expense for college is technology. Many students want (or need) to get a new laptop, and with that comes all the trimming of software. Plus, some classes require their own specific software that you need to install.

If you're getting any type of new computer or software, make sure you buy it through the education store and get your education discount. Most companies offer significant discounts to students - from Apple and Microsoft, to Adobe and more. No matter what technology you need, you can probably find a big discount by purchasing their education edition.

14. Print On Campus

Printing is another area that can be costly, with papers eating up ink cartridges at home. And the ink's what gets you! You pay $50 for a printer, but $60 for the ink!

However, many students gain access to on campus printing with their student fees. If this is the case, take advantage of printing on campus - especially for your big papers. This can save you hundreds of dollars per year in printing expense.

Even better, if your professors allow electronic submissions, go paperless!

Save Money On Food And Drinks

You have to eat to live. It's a fact. But food can be expensive, especially if you start adding in drinks. Here's the best ways to save money on food and drinks in college.

15. Use Your Meal Plan To The Fullest

College meal plans either work out to be a great deal or a waste of money for most college students. If you're looking to save money, you need to take advantage of it to the fullest so that it's a great deal.

This means getting everything you pay for - breakfast, lunch, dinner, snacks. If you're not leveraging your campus meal plan, you still might want to consider dining in the dining halls as a lot of the food is typically priced really well.

Also, use your meal plan for snacks - take an apple or banana in the mornings, put it in your bag, and have it as a snack during the day so you don't spend a bunch on food at a coffee cart.

Food is expensive, so take advantage of what you can!

16. Keep Track Of The Best Happy Hours And Restaurant Promos

If you are going out to eat, save money when you do! A fun tactic is to take note of all the best happy hours and restaurant promos near campus, and sort by day.

That way, if it's Tuesday, you know where to go to get the best deal.

You'd be surprised at the amount of free and discounted food and drink you can find around town if you know where to look. This can also be a great way to save when going out with friends!

17. Attend Events With Food

There are so many events that take place on college campuses, and many include food. I can't even count how many free pizza events I went to when I attended college.

The trick here is, look for signs and promotions around your campus. These signs usually promote the free food in an attempt to get students to come.

If you do this regularly, you can probably get your lunch taken care of most days! And maybe you'll even learn something!

18. Learn To Cook

It's almost always cheaper to cook than it is to go out and buy pre-made food. While a dinner for $5-6 may sound cheap, it really does add up over time. And you can probably cook the same meal (and prep for future meals) for about half the price.

Cooking isn't hard, but it does take some practice. Getting started with easy meals like crockpot recipes can really be a boost.

To mix things up, you can even have potlucks with friends where you share food!

Check out our full article on the value of learning to cook.

19. Cut Back On The Alcohol

Let's face it - alcohol is a part of most college student's experience. But the cost of booze can add up quick, especially if you fancy fruity mixed drinks.

While having a beer with friends can be fun, don't let drinking break your budget. Stick to beers on sale, split costs with friends, and if you're at the bar, order well drinks or the happy hour specials. If you don't name your alcohol, you might find yourself surprised when your bartender used a top shelf booze for your rum and coke.

20. Use Yelp Regularly And Get The Deals And Promos

If you're not a Yelper yet, you should strongly consider it in college. First, many bars and restaurants have promos where, if you check in, you get something free - usually a free drink or appetizer.

Second, if you Yelp and review regularly, restaurants might invite you to special events (with the hope you promote it). This can add up to free food and drinks!

It's a great way to have fun and save money in college.

Save Money On College Entertainment

Everyone wants to have fun - especially in college. While the education is key, networking and building lifelong relationships is just as important. Here are some key ways to save money on entertainment in college.

21. Attend Free Events on Campus

There's a lot of events going on campus at any given time. We already talked about free events with food, but there are plenty of other entertainment events that could keep you from getting bored.

Most campuses have live music, concerts, shows, sports, and lectures that could all be free and entertaining. The hard part is, it can be tough to know when things are going on.

Make sure you're always looking at your Associated Students calendar to find fun events, and check out flyers around campus to see if anything is going on.

22. Use Your Campus Gym

Working out and staying fit is important, especially in college. While the freshman 15 is a thing, you can lose the weight and stay in shape for free.

Most campuses have great athletic and gym facilities for their students, and your fees each year cover membership as a student. Take advantage. And definitely don't go spending more money for an outside gym membership when you get it for free on campus.

23. Cut Cable And Watch Online

It doesn't make sense to have cable TV anymore. There are so many great options online, some of which aren't even available on cable TV. And cable TV is expensive! Even basic plans can cost around $60 per month, which is a lot of money in college.

A better alternative is to cut cable and still watch your favorite shows - online!

There are so many options these days to watch TV online, including Hulu, Netflix, and Amazon. Plus, there are some "illicit" ways to get new movies and more right in your dorm room. But even being legal, apps like Hulu or Hulu Live TV can really be game changing for cost and what you want to watch.

The bottom line is, stop paying for cable TV.

24. Share Gaming Expenses

Maybe TV isn't your thing, but gaming is. Gaming can be a lot of fun, especially if you have multiplayer games you can play with friends in your dorm or apartment.

If possible, try to share the cost of games. If you're always playing multiplayer setups, maybe split the cost of the game to save money. It can be a communal game that lives in your family room for everyone to share.

New games are expensive, so anything you can do to lower the price is great.

25. Ask For Student Discounts

So many places offer student discounts, but so few people ask for them. These include restaurants, shops, movie theaters, theme parks, and more.

Before you pay, see if there's a student discount. Typically, you just have to show your student ID and you're good to go. This is a simple way to save some extra money in college for just going to school.

26. Start A Free Hobby

Too many people think that hobbies have to cost money - they don't. There are a lot of free activities that you can do to keep you entertained. From running and hiking, to drawing and more, there are definitely things that you can do in your spare time to stay entertained.

Here's a list of 15 free hobbies that require no money to start.

27. Read For Free In The Library

One of the best sources of free stuff is the library, especially since you're a student and you can get library access for free. Want to read a book? Want to read a magazine? Want to check out a video? Your library on campus likely has all of those things.

Some libraries even have video games and board games that students can check out as well! The bottom line is take advantage of your campus library.

28. Volunteer

Volunteering is an under-rated free way to stay entertained. Not only are you contributing to a worthy cause, but you're likely gaining skills that you can use for the rest of your life.

There are tons of options to volunteer around most college campuses, from national organizations to small local charities that are looking for help. Poke around online or speak to some campus clubs to see if there are any volunteering opportunities you can help out with.

29. Start A Side Hustle

Instead of paying for fun, what if you got paid to have fun? That's the idea behind starting a side hustle in college. Starting a side hustle doesn't require much money to start, but it does take time. And if it's something you enjoy doing, then it will be entertaining to start.

The thrill of earning money on the side is also a huge motivator and can be a lot of fun! If you don't know where to start, check out our list of the 50+ Ways To Start A Side Hustle.

30. Become The Entertainment

Finally, you could become the entertainment. This isn't for everyone, but if you're inclined, you could put on a show. Maybe you play an instrument? Maybe you start a band? Maybe you join a theater group? Maybe you practice comedy?

All of these things take practice, are fun, and you could even get paid for gigs. So, instead of searching for entertainment, consider creating it for yourself.

Save Money On Transportation And Travel

You will have to travel places, even if it's just from your dorm room to class, and back. But you'll likely be traveling a lot more than that - here's what you need to know.

31. Sell Your Car

Most college students don't need a car. And cars are expensive - you have gas, maintenance, insurance, and probably a car payment. All of these costs are pointless if your car is just sitting on campus for most of the year.

Instead, sell your car, take the money, and use it for ridesharing, or even renting a car with a service like Zipcar. With Zipcar, you can just rent a car when you need it, instead of maintaining a car you don't need all the time.

If you can't stand the idea of parting with your car, look at renting it out when you're not using it. There are services like Turo that allow you to rent your car out and get paid!

32. Use Free Transportation If Possible

If you need to get around, use free transportation if possible. Many college campuses have free buses and shuttles that help students get around campus and even to nearby apartments.

Some apartment complexes even have shuttles for students to get to campus.

Depending on your school, see if you can leverage free transportation to get around.

33. Get A Student Pass For Public Transportation

If you need public transportation to get around, see if you can get a student pass. Many colleges partner with their local transit authorities and offer student discounts and student passes for busses, subways, trolleys, and more.

This can be a huge savings for college students who need to get around, and it's usually cheaper than owning a car.

34. Use Travel Websites To Find Amazing Deals

Every college student wants to travel (or at least most do). But travel can be really expensive unless you find great deals. This can be a full time job in itself, but if you're diligent, you can find great travel deals and take advantage of them.

Checking the main travel sites will give you a great baseline as to where to start your travel search. These sites include:

CheapFlights: This searches most of the major travel sites for you

Hotels.com: The is one of the best hotel search engines

Orbitz: Another good overall search engine

Check out our full guide on 5 Easy Steps To Get The Cheapest Vacation to get started.

35. Find Student Travel Tours

Students have a slight advantage when it comes to travel because there are a lot of companies that cater to student travel. For example, Contiki Tours offers student travel tours for cheap!

These tours are specific to 18-35 year olds, so you'll be with a group of young adults who are all interested in the same type of trip. There are trips almost everywhere, with awesome destinations that any student would enjoy.

Check out Contiki here and see if there are any tours that make sense for you.

36. Learn How To Travel Cheap

Have you ever heard of the term travel hacking? This is the mindset to "hack" your travel to get it as cheap as possible - usually by leveraging deals and points.

However, it's hard to travel hack without doing some learning about how to travel for cheap. This could include shopping for trips, using points and miles, and more.

Check out our basic guide to college students and travel hacking. It's a great starting point to save money on travel in college.

37. Setup Flight Monitoring For Regular Flights

Do you have a "regular" flight in college? This might be your regular flight home - the one you take at Christmas, and home for the summer?

If so, use Google Flights to setup a price monitor for your main flight and dates you know you want to fly. This can help you save money by alerting you when prices change, and saving you money on the flights you know you're going to be making.

38. Consider Alternatives To Flying

Do you have to fly? There are alternatives to flying that you might consider - from driving and carpooling, to taking a Greyhound or an Amtrack train.

Depending on where you're going, how much time you have, and your comfort level, taking one of these alternatives could save you a lot of money over the cost of flying.

When budgets matter in college, these alternatives can be a great way to save on travel.

39. Use Credit Card Rewards

One of the best ways to save money on travel is to use credit card rewards. As we talked about earlier, using a credit card can earn you bonuses and rewards for your normal spending. Plus, many cards offer a sign up bonus that can get you free travel pretty quickly.

If travel is important to you, then consider checking out the Best Credit Cards For Travel Rewards. These cards will earn you the best bonuses and rewards that can get you closer to free travel.

40. Live Close To Campus

Finally, one of the best ways to save money on daily travel expenses is to simply live close to campus. That way, you can walk to school and save the most money.

Living close to campus might be more expensive rent-wise, so do the math and make sure the savings of living closer offsets the cost of higher transportation father away (hint: it usually does).

Save Money When Off Campus Living

Living off campus is another big change and it can be expense if you're not careful. Here's how to save money living off campus.

41. Live With Roommates

The idea of living alone is great, but it's so much more expensive that living with others. For example, you could probably rent a one bedroom apartment for $1,500, but a two bedroom is just $2,200. If you had a roommate, your personal cost would now just be $1,100 - a $400 per month savings versus a one bedroom apartment.

That's a huge deal over time - $4,800 per year really adds up.

So, while you might want to escape the roommate situation, living with roommates is a great way to save money in college (and even after college).

42. Shop Around For Renters Insurance

You likely need renters insurance when you live off campus. Beyond taking care of your own stuff, most landlords require it.

Make sure you shop around for the best deal on renters insurance. There are a lot of options and things to consider.

We have an Ultimate Guide To Renters Insurance that will help you make the decision.

43. Cut Your Cell Phone Bill

You cell phone is probably another area that you can save a lot of money on when you're in college. Too many people don't compare their cell phone plans very often - resulting in higher prices than you should be paying.

In fact, if you're paying over $60 per month for your phone, you're paying way too much.

Here's our guide to the Best Cell Phone Plans To Save Money. There are a lot of great options to save when you're in college.

44. Don't Decorate

While you might want to make your place nice and cozy, decorations are expensive, and they don't really have any value beyond looking pretty.

If you're trying to save money, just don't decorate. Seriously! This sounds weird, but too many people spend hundreds decorating their apartments and houses, just to toss it all and redecorate when they move.

Save the money up front and don't decorate.

45. Be Mindful Of Your Utilities

Another off campus expense that can get you are your utilities. You need to be mindful of your utilities and how much it costs to run your air conditioning, how much your internet costs, and more.

If you're not paying attention, you could find your electric bill skyrocketing from $50 per month to $400 per month! It happens, and it can seriously harm your college student budget.

46. Get Your Rent Payments To Boost Your Credit Score

This is one thing that will save you money down the road, not immediately. But one of the keys to saving money on loans, getting a good rent, and more is having a great credit score.

Using a service like Rent Track can enable your rent payments to count on your credit report, thereby boosting your score if you make all your payments on time.

The end goal is to have a great credit score when you leave college so that you can save money in the future.

47. Location Is Important

Where you live is so important! But there are trade offs in every location. A great goal is to live as close to campus as possible, so that you can save on transportation. But you don't want it to be so expensive that you savings from transportation is lost to rent.

You need to find a solid balance of location and price. And you should probably skip the amenities like a gym if you get a gym on campus. These amenities raise the price that you're going to pay in rent and you might not even use them.

48. Buy Used Or Secondhand If Needed

If you do need something for your house, buy it used or secondhand. There are a lot of great ways to get couches, beds, and more for cheap - just look online.

You can use apps like OfferUp or Facebook Marketplace to see items available in your area. If you don't have a car, you can probably hire someone online to help you move! There are lots of moving service and delivery services in different cities.

49. Protect Your Security Deposit

Your security deposit is one of your biggest "investments" in college. You usually have to pay $1,000 or more to ensure you don't mess up your apartment. That's a lot of money that you can lose if you're not careful in protecting your apartment.

So, make sure you protect your security deposit by keeping your apartment in great condition.

An alternative to your security deposit is using security deposit insurance. This is an alternative where you pay a company and never have to worry again. Check out Jetty for their security deposit insurance.

50. Live At Home

Finally, one of the absolute best ways to save money in college is to simply live at home. You can eliminate the vast majority of this list if you simply live at home, save on rent and food, and watch your other expenses.

Even if your parents will charge you a nominal rent, that's probably going to save you so much more than trying to live on or off campus.

And while you'll have some commuting expenses as well, you'll still probably realize significant cost savings. This can be a great way to save money in college so that you can springboard your life after graduation.

Final Budgeting Tips

Experiences are more important than things. And experiences (especially in college) can be free or very cheap. You don't need to spend more money than you have to impress people.

What's more impressive is if you can save money in college, invest it, and become financially independent in your early thirties. That's a great goal right there.

The post The 50 Best Ways To Save Money In College And Live On A Tight Budget appeared first on The College Investor.

from The College Investor

The idea of saving money in college might sound impossible - but it's totally doable!

Let's dive in on the best ways to save money in college!

Quick Navigation

Budgeting And Money Organization Basics

Saving The Money You Already Have

1. Have A Free Checking Account

2. No Fee Student Credit Card

3. Work in College

4. Never Be Late On A Payment

5. Don't Overdraft

Save Money On College Expenses

6. Have A Solid Plan For Your Classes And Degree

7. Fill Out The FAFSA Every Year

8. Watch Your Student Loan Borrowing

9. Apply For Scholarships And Grants

10. Use The Library

11. Minimize Your Textbook Expense

12. Sell Back Your Textbooks When You're Done

13. Get Your Education Discount On Computer Hardware And Software

14. Print On Campus

Save Money On Food And Drinks

15. Use Your Meal Plan To The Fullest

16. Keep Track Of The Best Happy Hours And Restaurant Promos

17. Attend Events With Food

18. Learn To Cook

19. Cut Back On The Alcohol

20. Use Yelp Regularly And Get The Deals And Promos

Save Money On College Entertainment

21. Attend Free Events on Campus

22. Use Your Campus Gym

23. Cut Cable And Watch Online

24. Share Gaming Expenses

25. Ask For Student Discounts

26. Start A Free Hobby

27. Read For Free In The Library

28. Volunteer

29. Start A Side Hustle

30. Become The Entertainment

Save Money On Transportation And Travel

31. Sell Your Car

32. Use Free Transportation If Possible

33. Get A Student Pass For Public Transportation

34. Use Travel Websites To Find Amazing Deals

35. Find Student Travel Tours

36. Learn How To Travel Cheap

37. Setup Flight Monitoring For Regular Flights

38. Consider Alternatives To Flying

39. Use Credit Card Rewards

40. Live Close To Campus

Save Money When Off Campus Living

41. Live With Roommates

42. Shop Around For Renters Insurance

43. Cut Your Cell Phone Bill

44. Don't Decorate

45. Be Mindful Of Your Utilities

46. Get Your Rent Payments To Boost Your Credit Score

47. Location Is Important

48. Buy Used Or Secondhand If Needed

49. Protect Your Security Deposit

50. Live At Home

Final Budgeting Tips

Budgeting And Money Organization Basics

We recommend three tools that all do similar things - track your spending and help you monitor your accounts.

Once you have a solid handle on your money, we can talk about ways to save!

Saving The Money You Already Have

You probably already have a little money when going to college. It might not be a lot, but you need to protect the money you already have!

1. Have A Free Checking Account

Our favorite account for college students is Chime Bank. Chime has a great mobile app, free checking, and best of all, no hidden fees. Check out Chime Bank here.

If you're looking for other options, check out our full list of the best online banks.

2. No Fee Student Credit Card

Starting to build your credit early just makes sense. And using credit responsibly is important. We are strong believers in getting a credit card, but treating it like a debit card.

Check out our list of the best student credit cards to find a card that matches your needs - with NO FEEs.

These cards are great because you can get rewards and rebates for your regular spending - a great way to save money in college.

3. Work in College

But why is working in college on a list of ways to save money in college? Because if you're working, you're not out spending money - you're earning it!

If you don't know where to start, check out our massive guide on 100+ Ways To Make Money In College.

4. Never Be Late On A Payment

Late fees not only cost you money, but then your underlying balance continues to grow as well. If you want to save money, never miss a payment. It's as simple as that.

Each missed or late payment can cost you $30 or more (and banks keep raising this amount). That's a lot of money for a college student.

5. Don't Overdraft

Finally, to protect the money you already have, don't overdraft! An overdraft is where you spend money in your account that you don't have, and banks charge a fee to process the transaction.

So, not only are you going into debt a bit, but your bank is going to charge you an overdraft fee - which can be $25 or more!

Save Money On College Expenses

College is expensive! Here are the best ways to save money on key college expenses like tuition, loans, books, and more. These are going to be topics specific to saving on your education expenses.

6. Have A Solid Plan For Your Classes And Degree

One of the best ways to save money in college is to simply have a solid plan for you classes and degree program. I'm a big believer that college isn't the time to "find yourself". It's too expensive!

7. Fill Out The FAFSA Every Year

Bottom line - fill out the FAFSA every year.

8. Watch Your Student Loan Borrowing

If you do have to take out student loans, you need to be very mindful of how much you borrow. If you borrow too much in student loans, you're going to struggle financially for your entire life.

9. Apply For Scholarships And Grants

Too many people think that the only time to apply for scholarships and grants is when you're in high school, before you start your first year of college. WRONG.

Make sure you read our guide on How To Find College Scholarships.

10. Use The Library

One of the most under-used, but best free tools, on a college campus is the library. College libraries have everything - and it's free if you're a student.

They have books (or course), but they also usually have computers to use, videos, software, and more.

If you're really trying to get through college on a budget, the library will be your best friend.

11. Minimize Your Textbook Expense

Textbooks can be one of your biggest expenses every semester - with some math and science textbooks costing over $200 new. This is a big area where there's tons of potential to save.

Renting college textbooks is also an option. You can simply rent the textbook you need for the semester you need it. Here's some of the best places to rent college textbooks.

12. Sell Back Your Textbooks When You're Done

If you've just stuck to reselling your textbooks at your campus bookstore, you're probably missing out on a significant amount of extra money.

Here's our guide to resell your textbooks for a profit.

13. Get Your Education Discount On Computer Hardware And Software

14. Print On Campus

Printing is another area that can be costly, with papers eating up ink cartridges at home. And the ink's what gets you! You pay $50 for a printer, but $60 for the ink!

Even better, if your professors allow electronic submissions, go paperless!

Save Money On Food And Drinks

You have to eat to live. It's a fact. But food can be expensive, especially if you start adding in drinks. Here's the best ways to save money on food and drinks in college.

15. Use Your Meal Plan To The Fullest

Also, use your meal plan for snacks - take an apple or banana in the mornings, put it in your bag, and have it as a snack during the day so you don't spend a bunch on food at a coffee cart.

Food is expensive, so take advantage of what you can!

16. Keep Track Of The Best Happy Hours And Restaurant Promos

If you are going out to eat, save money when you do! A fun tactic is to take note of all the best happy hours and restaurant promos near campus, and sort by day.

That way, if it's Tuesday, you know where to go to get the best deal.

You'd be surprised at the amount of free and discounted food and drink you can find around town if you know where to look. This can also be a great way to save when going out with friends!

17. Attend Events With Food

There are so many events that take place on college campuses, and many include food. I can't even count how many free pizza events I went to when I attended college.

The trick here is, look for signs and promotions around your campus. These signs usually promote the free food in an attempt to get students to come.

If you do this regularly, you can probably get your lunch taken care of most days! And maybe you'll even learn something!

18. Learn To Cook

Cooking isn't hard, but it does take some practice. Getting started with easy meals like crockpot recipes can really be a boost.

To mix things up, you can even have potlucks with friends where you share food!

Check out our full article on the value of learning to cook.

19. Cut Back On The Alcohol

Let's face it - alcohol is a part of most college student's experience. But the cost of booze can add up quick, especially if you fancy fruity mixed drinks.

20. Use Yelp Regularly And Get The Deals And Promos

Second, if you Yelp and review regularly, restaurants might invite you to special events (with the hope you promote it). This can add up to free food and drinks!

It's a great way to have fun and save money in college.

Save Money On College Entertainment

21. Attend Free Events on Campus

There's a lot of events going on campus at any given time. We already talked about free events with food, but there are plenty of other entertainment events that could keep you from getting bored.

Most campuses have live music, concerts, shows, sports, and lectures that could all be free and entertaining. The hard part is, it can be tough to know when things are going on.

Make sure you're always looking at your Associated Students calendar to find fun events, and check out flyers around campus to see if anything is going on.

22. Use Your Campus Gym

Working out and staying fit is important, especially in college. While the freshman 15 is a thing, you can lose the weight and stay in shape for free.

23. Cut Cable And Watch Online

A better alternative is to cut cable and still watch your favorite shows - online!

The bottom line is, stop paying for cable TV.

24. Share Gaming Expenses

Maybe TV isn't your thing, but gaming is. Gaming can be a lot of fun, especially if you have multiplayer games you can play with friends in your dorm or apartment.

New games are expensive, so anything you can do to lower the price is great.

25. Ask For Student Discounts

So many places offer student discounts, but so few people ask for them. These include restaurants, shops, movie theaters, theme parks, and more.

26. Start A Free Hobby

Here's a list of 15 free hobbies that require no money to start.

27. Read For Free In The Library

Some libraries even have video games and board games that students can check out as well! The bottom line is take advantage of your campus library.

28. Volunteer

Volunteering is an under-rated free way to stay entertained. Not only are you contributing to a worthy cause, but you're likely gaining skills that you can use for the rest of your life.

29. Start A Side Hustle

The thrill of earning money on the side is also a huge motivator and can be a lot of fun! If you don't know where to start, check out our list of the 50+ Ways To Start A Side Hustle.

30. Become The Entertainment

All of these things take practice, are fun, and you could even get paid for gigs. So, instead of searching for entertainment, consider creating it for yourself.

Save Money On Transportation And Travel

You will have to travel places, even if it's just from your dorm room to class, and back. But you'll likely be traveling a lot more than that - here's what you need to know.

31. Sell Your Car

If you can't stand the idea of parting with your car, look at renting it out when you're not using it. There are services like Turo that allow you to rent your car out and get paid!

32. Use Free Transportation If Possible

If you need to get around, use free transportation if possible. Many college campuses have free buses and shuttles that help students get around campus and even to nearby apartments.

Some apartment complexes even have shuttles for students to get to campus.

Depending on your school, see if you can leverage free transportation to get around.

33. Get A Student Pass For Public Transportation

This can be a huge savings for college students who need to get around, and it's usually cheaper than owning a car.

34. Use Travel Websites To Find Amazing Deals

Checking the main travel sites will give you a great baseline as to where to start your travel search. These sites include:

CheapFlights: This searches most of the major travel sites for you

Hotels.com: The is one of the best hotel search engines

Orbitz: Another good overall search engine

Check out our full guide on 5 Easy Steps To Get The Cheapest Vacation to get started.

35. Find Student Travel Tours

Students have a slight advantage when it comes to travel because there are a lot of companies that cater to student travel. For example, Contiki Tours offers student travel tours for cheap!

Check out Contiki here and see if there are any tours that make sense for you.

36. Learn How To Travel Cheap

Have you ever heard of the term travel hacking? This is the mindset to "hack" your travel to get it as cheap as possible - usually by leveraging deals and points.

However, it's hard to travel hack without doing some learning about how to travel for cheap. This could include shopping for trips, using points and miles, and more.

Check out our basic guide to college students and travel hacking. It's a great starting point to save money on travel in college.

37. Setup Flight Monitoring For Regular Flights

Do you have a "regular" flight in college? This might be your regular flight home - the one you take at Christmas, and home for the summer?

38. Consider Alternatives To Flying

Do you have to fly? There are alternatives to flying that you might consider - from driving and carpooling, to taking a Greyhound or an Amtrack train.

Depending on where you're going, how much time you have, and your comfort level, taking one of these alternatives could save you a lot of money over the cost of flying.

When budgets matter in college, these alternatives can be a great way to save on travel.

39. Use Credit Card Rewards

If travel is important to you, then consider checking out the Best Credit Cards For Travel Rewards. These cards will earn you the best bonuses and rewards that can get you closer to free travel.

40. Live Close To Campus

Finally, one of the best ways to save money on daily travel expenses is to simply live close to campus. That way, you can walk to school and save the most money.

Living close to campus might be more expensive rent-wise, so do the math and make sure the savings of living closer offsets the cost of higher transportation father away (hint: it usually does).

Save Money When Off Campus Living

Living off campus is another big change and it can be expense if you're not careful. Here's how to save money living off campus.

41. Live With Roommates

That's a huge deal over time - $4,800 per year really adds up.

So, while you might want to escape the roommate situation, living with roommates is a great way to save money in college (and even after college).

42. Shop Around For Renters Insurance

You likely need renters insurance when you live off campus. Beyond taking care of your own stuff, most landlords require it.

Make sure you shop around for the best deal on renters insurance. There are a lot of options and things to consider.

We have an Ultimate Guide To Renters Insurance that will help you make the decision.

43. Cut Your Cell Phone Bill

In fact, if you're paying over $60 per month for your phone, you're paying way too much.

Here's our guide to the Best Cell Phone Plans To Save Money. There are a lot of great options to save when you're in college.

44. Don't Decorate

While you might want to make your place nice and cozy, decorations are expensive, and they don't really have any value beyond looking pretty.

Save the money up front and don't decorate.

45. Be Mindful Of Your Utilities

Another off campus expense that can get you are your utilities. You need to be mindful of your utilities and how much it costs to run your air conditioning, how much your internet costs, and more.

If you're not paying attention, you could find your electric bill skyrocketing from $50 per month to $400 per month! It happens, and it can seriously harm your college student budget.

46. Get Your Rent Payments To Boost Your Credit Score

This is one thing that will save you money down the road, not immediately. But one of the keys to saving money on loans, getting a good rent, and more is having a great credit score.

Using a service like Rent Track can enable your rent payments to count on your credit report, thereby boosting your score if you make all your payments on time.

The end goal is to have a great credit score when you leave college so that you can save money in the future.

47. Location Is Important

48. Buy Used Or Secondhand If Needed

If you do need something for your house, buy it used or secondhand. There are a lot of great ways to get couches, beds, and more for cheap - just look online.

49. Protect Your Security Deposit

So, make sure you protect your security deposit by keeping your apartment in great condition.

50. Live At Home

Even if your parents will charge you a nominal rent, that's probably going to save you so much more than trying to live on or off campus.

Final Budgeting Tips

Experiences are more important than things. And experiences (especially in college) can be free or very cheap. You don't need to spend more money than you have to impress people.

What's more impressive is if you can save money in college, invest it, and become financially independent in your early thirties. That's a great goal right there.

The post The 50 Best Ways To Save Money In College And Live On A Tight Budget appeared first on The College Investor.

https://ift.tt/2n8uIfy September 25, 2019 at 10:15AM https://ift.tt/2wjCjZF

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financevisionary · 7 years

Text

How to Avoid the Expensive Mistakes People Make in College

College is an expensive undertaking no matter who you are. Between tuition, food, publications, partying, clothes, college supplies, living, etc. costs include up quickly. It is easy to find yourself investing a bunch of money in college and also all of the prices appear necessary. Through my time in university I have actually found out that there are a lots of expenses that you can not stay clear of, however there are methods to maintain those prices fairly reduced. Below are a couple of locations where you could be a clever spender and also save some money:

Mistake 1: 'Allow's Simply Obtain Obtain'

Food is a costly expense that every grownup has to deal with in their day-to-day life, nonetheless, this is not so true for university trainees. University student have the ability to utilize eating halls and on campus food suppliers.

Now, I comprehend that eating halls could not always be the most tasty choice, however they sure are inexpensive. Many campuses supply dish strategies where it will cost you a particular amount of factors for a dish. These points are typically bought at rather cheap rate via offers that schools supply. This is terrific since they normally provide a big selection of food and you can consume as much as you please (although the food itself might not be pleasing).

Eating out is constantly a temptation - but this is where you could really blow your food budget. Instead, the following cheapest option would certainly be to prepare your very own dishes. Now this part can be a little tricky, but if you concentrate on understanding a meal or 2 to start, you might actually really appreciate it (and the food!).

This is where you have one of the most control of your spending plan as well - it is essential to be a wise shopper.

Pro Tip on Grocery Shopping:

Through college I discovered myself mosting likely to the grocery shop mindlessly tossing food into my cart and also easily racking up a $300 bill. As the weeks went by the food would either spoil or I would never touch it. Basically, I tossed a large chunk of money in the garbage, which inevitably was not less expensive than consuming out.

As time took place I uncovered a much more reliable system that enabled me to maintain price reduced and be a clever customer. I took a seat and also created out a dish strategy. My meal strategy made up breakfast, lunch, dinner, and also snacks, with a basic suggestion on just what I could prefer to consume that day. I still enabled myself some difference where I might choose which meat or veggie was on sale to maintain prices reduced. Dish preparation is necessary, however it is more crucial to be a wise buyer. Frequently try to find sales, bargains, vouchers, or anything that can help you keep prices low while consuming what you desire. [From Mint: inspect out BrewingHappiness' meal prepare for under $150]

Mistake 2: Guide Shop Took All My Money

I do not care who you are at some point in your four (or five) years you will certainly have to acquire publications. Currently it is simple to visit the book store as well as get all your books as well as materials all new, however this can quickly turn right into a $500 trip. There are a variety of various methods to maintain prices low for books. Each has its benefits and drawbacks, so you can find out what works best for you.

Pro Tips on Finding Your Publications:

The initially is to obtain your publications from a buddy. If you are taking a course in the Spring term that of your close friend absorbed the Fall people are typically very available to giving their publications for little to no charge. You can run into some problems if teachers start altering their publications, which several of them have tendencies to do. This can be a pain, yet there are most definitely ways around it.

One way around this problem is to lease your publications. Beware! When renting out books if you do not return them by a specific date you are billed the complete price of guide. This could be an expensive mistake if you're forgetful, conveniently loosened things, or are disordered. So, if you are one of those individuals I would recommend getting your books.

In this case, I suggest hopping online to Amazon or a few other website and acquire a previous version of your book. Your book will likely be a little different compared to the current version, yet it's uncommon for the content itself to transform significantly. What will differ greatly however is the rate. I have seen circumstances where previous versions are used for thousands of dollars much less than the existing edition.

The last, fall short evidence, and also most affordable option is the library. Frequently there will be a handful of copies of the book in the library. This choice could be a bit even more time consuming, yet it sure keeps expenses low.

Mistake 3: The Five Celebrity Dormitory Room

Gearing for university life is a really interesting time. I can keep in mind preparing to removal into my dormitory. I wanted to have an awesome dormitory like among those ones you see in the PB Teenager publications. I purchased a couple of sets of twin extra-long sheets, a mattress cover, a lot of plastic moving cabinets to maintain my stuff in, some dorm furnishings, and also the checklist takes place. It was fantastic as well as all until I started my step off campus. I began to sort with whatever in my dormitory and recognized that mostly all of it would certainly not fit anywhere into my new apartment. After one year of living in the dormitories I located myself, and also well as lots of others, tossing out all their dormitory furniture because it was so details to the dorm. Don't obtain me wrong right here, I think that your dorm room need to be a comfy living space, yet there is no should invest so much money on things that you will only have for a year.

Pro Tip on Your Dormitory Style:

Short as well as wonderful: I suggest perhaps utilizing sheets or furniture from a close friend or household member. If this is not an option, simply be a wise consumer and keep prices as low as feasible. Attempt to assume in advance to your future living situations.

Mistake 4: The Late-Night Spender

So, that header was modified by Mint. Yet you know what I'm referring to. As long as purchasing books is an unavoidable component of university, so are celebrations and also for numerous, drinking.

While mingling, it is very easy to be negligent with your money. You may spend lavishly on a late-night extra-large pizza or determine to purchase a round of beverages for your pals. These costs could accumulate or obtain costly swiftly relying on a couple of various factors.

Pro Tips on Budgeting Nights Out:

Before anything, make sure you have your budget plans in place.

My recommendations to obtain through this is to select a set amount of money you agree to invest for the night (recommendation your budget to figure out this quantity, not just your offered cash money!). Considering that you recognize precisely how much you could spend, you'll locate on your own choosing foods and drinks that will certainly help your loan go farther rather than blowing it all on your first round. Think in advance also: are you going to go out Friday and also Saturday night? If so, make certain you are budgeting for both.

Also, if you know you obtain starving after a night out with close friends, preplan just what you'll eat. Possibly you have some food surplus from a dish you prepared (therefore cheaply bought) or locate a place you can get simply a couples pieces of pizza, instead of the entire pie.

Mistake 5: Ride-Share Everywhere

College can be exhausting. It includes many late nights, mornings, and lengthy hrs in the library. As well as take it from me, I recognize how simple it is to obtain careless when you get on this type of timetable. Among the biggest things I discovered when I authorized up for Mint was just how typically I was making use of a ride-share application as a result!

Ride-shares are an outstanding service that enable you to get a taxi within minutes of needing one. This is terrific as well as all, yet it can additionally be dangerous for the pocketbook. Specifically when the idleness begins to begin. It's so easy to simply require a ride, but I recognize from experience it is unusual to get just one.

Once you begin purchasing flights, it ends up being a bad habit. Those $6 journeys accumulate fairly swiftly and prior to you know it you can be spending somewhere around $100 a month on transportation.

Pro Tips on Getting Around:

Now my initial pointer to avoid this problem would be JUST STROLL! I most definitely understand from experience this is simpler claimed compared to done. If you need to get a ride, it is necessary that you make use of the actual ride share function (like UberPool or Lyft Line). This cuts the price of your ride almost in fifty percent. The only capacity down fall is that you need to share your cars and truck with other bikers, along with the truth that it may add a couple of extra mins onto your trip.

Remember that college is an expensive place as well as it is simple to invest cash left, right, as well as facility. It is of vital value that you keep your eyes out for these investing pitfalls. It is not constantly simple to conserve money in college, however I guarantee you if you stay clear of these 5 blunders and also stay with your spending plans, you will certainly constantly have a little additional cash money in your pocket.

#credit

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studyperks · 6 years

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New Post has been published on https://studyperks.com/10-ways-to-save-money-as-a-student/

10 Ways To Save Money As A Student

Making money has become an essential part of student life, as the need for extra income to cover rising tuition fees and living costs grow. However, improving your bank balance isn’t always about finding new ways to add to it, but also about finding new ways to save money in college.

So, without further ado, let’s look into some of the best ways in which students can cut back on monthly spending. Oh, and don’t forget to let us know about any of your own ideas too!

1. Draw up a student budget

It may sound a little boring and long-winded and the majority of students dread analyzing where their money is really spent. But drawing up a student budget is the best start you can make to saving money.

You can go into as little or as much detail as you like but at a basic level, you want to find out where you are leaking cash. After this, it’s up to you to plug up these leaky holes (with help from the tips below).

2. Find student discounts

One of the best benefits of student life is undoubtedly the student discounts. Being a student can get you money off almost anything, from a new clothing purchase to a trip to the movies.

Whenever you make a purchase you need to check if there are any student discounts on offer. Even if you don’t see anything advertised there’s no harm in being a little cheeky and asking. But do keep in mind that just because something has a student discount, this doesn’t mean it’s always the cheapest option!

3. Use comparison sites

There’s an amazing thing out there called the internet and you should be using it to its full potential when looking for ways to save money. There are plenty of price comparison sites where you can compare the cost of all kinds of items across different retailers. It’s so easy, there’s no excuse not to save money this way.

4. Allow a cool-off period

Impulse purchases are something everyone suffers from. If you are susceptible then you need to work on some tactics to cut down on these spending binges.

One simple tactic is simply to sleep on it. Take some time out before making any big purchases on things like electronics, clothes and holidays, in order to decide if you really want it. If you leave it a couple of days and still find your life lacking, chances are it will be a good purchase.

5. Haggle

Go on, give it a go! The rush of managing to secure a discount on any purchase is second to none for the money savers out there. You might be surprised at the discounts you can get when haggling, especially on things such as your broadband contract!

6. Work where you shop

Most employers, especially in the retail industry, offer discount cards to their employees. Why not double up your student job with a staff discount, by working at a place where you love to shop?

7. Hunt for freebies

They say there’s no such thing as a free lunch, but it’s definitely true that for very little effort students can get their hands on a whole host of freebies. Be on the lookout for freebie sites and promo companies handing out goodies on campus. Before you know it you could be excited every time you check the mail because you wonder which freebies you will get delivered that day.

You can even get your hands on free software if you don’t fancy paying big bucks for the paid options on offer. However, it’s important to be careful with your information though, so make sure you aren’t giving out your contact details or any personal information.

8. Take a packed lunch to university

University cafes and canteens may be cheaper than most, but it’s still usually cheaper to prepare your own food. Make the effort to get up early each day before university to make yourself a tasty packed lunch. It may not seem like much but the savings over the entirety of the year will speak for themselves.

9. Cut your bills

Save money and the environment at the same time by cutting down on your electricity and gas usage. It goes without saying, but always ensure lights are off during the day and things like your TV aren’t left on standby. Also, when it starts to get cold, try putting on a few extra layers first before turning up the heat!

10. Get swapping

If you’re on the hunt for textbooks, a bike, a new sofa or any other item for that matter, then why not look into swapping? It’s a new-ish craze which means parting with something you no longer want and getting something in return. Works for both parties involved! Start with friends and then take a look online.

#budget #save money #saving #shopping

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usaadmission · 4 years

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HOW TO CHANGE H4 TO F1 OF STATUS

University registration is a major move that needs a lot of preparation. When you start to think about the legal status, it gets much more confusing. H4 dependents who want to go back to college also have two choices – Stay on H4 status in the system or change visas from H4 to F1. To learn about those choices, read this blog.

The first and most critical thing you need to do is locate a university that suits your requirements and a curriculum that matches your job objectives best. Helping an agent such as skoolville.com is a perfect place to shortlist services, find out about eligibility criteria, and submit applications.

To know about all the moves involved in obtaining a master’s degree in the USA, read this blog. And read the Best H4 Visa Holders Courses blog to know about the emerging services that are sure to give you a career after graduation.

You also need to apply to alter your immigration status from H4 to F1 visa once you receive I-20 from the university. You should either fly outside the U.S. to have the F1 visa stamped or remain back in the U.S. to ask for a status adjustment from H4 to F1.

Change of status petitions will take 3 to 9 months, depending on the support center to which the petition is submitted. Changed loading times can be found here. While your H4 to F1 status adjustment petition is pending with USCIS, you can participate in the system but you will continue to retain your H4 status until the Pos is accepted.

When the H4 visa runs the risk of expiry until the H4 to F1 COS is accepted, you will lodge another status adjustment appeal to prolong the H4 permit. In this respect you will find USCIS regulations here.

While you will start classes while waiting for COS to F1 certification, you would not be considered for OPT or CPT until the change of status petition from H4 to F1 is accepted. Remember that the status petition adjustment is just to modify your position when you’re in the US. When you are entering the country, you will visit a US consulate to have the F1 visa signed.

H4 TO F1 CHANGE OF STATUS PROCESS

The H4 to F1 transition of status petition I-539 ought to be sent electronically. The Adjustment of Rank charge as of this writing is $370. You would still have to accept a biometric charge of $85. On submission of the application, you are expected to submit to USCIS the following relevant documents:

Copy of University’s I-20

University acceptance letter that grants you entry

Print of receipt for the Sevis bill. Service charge is $200, which can be charged electronically

Copy of new I-94

Passport duplicate – contains just the first column, the second column and all parts of the visa stamps

Archive of all previous I-797A approvals if any H4 visa extensions have been submitted

Funds justification to pay fees and bills. Require the financial accounts for the past 3 months of the H1B partner. The bank balance should be greater than the sum listed on I-20

Cover letter detailing why you request for rank change from H4 to F1. Since F1 is a non-immigrant visa, while finishing your degree you must show your desire to leave to your home country.

Copy of wedding certificate

Print of the passport of H1B spouse-contain just the first page, the second page and all the sections of the visa seal

Your most current H1B spouse’s I-94

Your H1B partner ‘s last 3 pay stubs

H1B Partner cover letter saying they fund your college

DIFFERENCES BETWEEN H4 OR F1 RESEARCH VISAS?

If you’re preparing to research in the US but don’t know the visa you require or the visa is easier to use abroad, so you’ve come to the right location!

We will clarify the variations between studying on an H4 and an F1 visa, and mention the pros and cons of each one.

3 RESEARCH OPTIONS IN THE US AS A NON-RESIDENT

If you come to the U.S. intending to join a college or university, you generally have 3 choices. Those options include:

F1 visa research (meaning you ‘re moving from an H4 visa to an F1 visa)

Visa report for H4

H4 study and F1 visa study

What one you select depends upon your individual needs. If you work on an F1 visa, for example, the cost would be more costly than on an H4 visa. You must not be qualified to be a teacher’s assistant (TA), testing assistant (RA), or an optional practical experience (OPT) assistant.

So, the visa that’s best for you depends on the requirements and your wants for education. You may be able to find the right choice for you if you keep on reading.

When selecting the best visa for you, the first thing you need to remember is what your present visa status is, how will your financial condition look like and what are your potential career goals? Do you have answers in your head? You may now decide which visa is appropriate for you. We discuss the distinctions between the visas below, starting with examples about what is available on each.

THE F1 VISA

The United States helps you to get going with an H4 visa status at university or work, whether it be full time or part-time. If you don’t want to live in the US or do a CPT or Select, it may be very helpful to remain on an H4 visa, because you already have an H1B visa listed under the limit. Additionally, you can apply for an Employee Authorization Document (EAD) when you convert to H4 and then you can get a job thereby.

But, as we described above, this opportunity is not the best choice for you if you have the target to get a full-time job and an H1B opportunity. On the H4 visa, you’ll be less likely to be able to get a full-time job. There are also situations where H4 partners are not qualified to qualify for an EAD, and if you choose to operate in the states, review the H4 EAD eligibility criteria.

You may need to spend a great deal of time and money to find a job to get an H1B visa with this method.

Let’s assume you ‘re graduating in May, which implies the H1B limit is already ended in April — you’ll still have to wait until next April to apply for an H1B visa. You ‘d still have to wait until October to start functioning again. That is like a year of doing little or being constrained on what you will do in the U.S.

But this might not be the path for you if you intend to live in the U.S. Make sure you look at your visa schedule to see which choice suits the goals better.

HOW TO SWITCH VISAS FROM H4 TO F1

While it can seem strange, you may continue with an H4 and adjust it to an F1 visa afterward. How exactly does it work? If you’d like to select this option, you must start with an H4 visa and instead change it to an F1 visa after one year or more.

Be sure to address this solution first with your university’s foreign team, as every university has clear guidelines for how CPT and OPT options operate for various visas. Essentially, however, if you can apply for one of these two, you will obey strict guidelines and procedures.

The choice to go for this alternative depends on your needs and your desires. There are several options available, such as completing 2 semesters on an F1 visa to qualify for a CPT. Some other option you could recognize is to do an internship, then do your studies with an H4 visa and convert it to an F1 before graduating so you can apply for an OPT.

We agree this is all a little difficult to keep up with! However, we only want to demonstrate that through your foreign representation and attorneys there are other options that you may try out. A plus side to an H4 visa is that it would only require you to pay in-state university fees.

OUR RECOMMENDATIONS

We suggest you don’t go for the hybrid option because it could get a little too difficult to go around. Although this is still an option, we believe it could be easier and less of a headache to choose to study with either an H4 or an F1 visa.

Therefore, we suggest that you work on an F1 visa if your target is to get a job and an H1B visa.

On the other side, if you’re a spouse and your wife is moving close to having the green card, you probably will apply for an H4 visa so charging in-state tuition payments for your assets would be far smoother.

Recognize that you are not qualified for in-state tuition fees on an F1 visa; you will be required to pay out-of-state tuition if you’ve not lived in the same state for at least one year, which would not be the case for most of you.

Notes on In-state Tuition Fees

You would only be qualified for in-state tuition payments if you have been residing in one state, and only one, for at least one year. Your university will ask you to include proof of residency rules, such as filing state tax or a state driver’s license.

INTERVIEW QUESTIONS AND CONSIDERATIONS FOR H4 TO F1 VISA

As previously mentioned, changing status from H4 to F1 would only change your employment status when you’re in the US. But if you’re traveling outside the country, you’ll need to get a US consulate stamped on the F1 visa. The F1 visa interview tips blog for the F1 visa recruitment process is available for reading. But F1 Visa stamping when converting from H4 to F1 includes some extra risks. During the F1 visa test, there are two frequently asked questions: Why do you want to move from H4 to F1 classification and what do you plan to do after graduation? CPT and OPT workability are good reasons for changing status from H4 to F1. The query about post-graduation plans is intended to test your intention to eventually immigrate to the US. The possibilities of visa stamping H4 to F1 are particularly grim when the green card of your H1B spouse is already undergoing the procedure. So when you go for stamping, you need to be mindful of the risks involved. And it’s also advisable to join your home country’s F1 visa interview rather than Canada or Mexico because that will help show the ties with your home country. While H4 to F1 visa stamping is risky, if the F1 visa is rejected you can always return to the US on an H4 visa and resume your studies.

CONCLUSION

Please ensure your choice is thought about and rethought, and also have your main objective and financial position in mind because both can direct you in the choice taking phase.

Whatever you want, we wish you all the best of luck with your American studies! Please keep in mind that you should make the best decision regarding your particular situation. If you need more guidance going about the nuances of these visas, let us learn! We ‘re ready to support those contemplating coming to the USA!

from USA Admission – Study in USA , F1 Visa, Opt https://usaadmission.com/how-to-change-h4-to-f1-of-status/

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spookyfestivaldragon-blog · 4 years

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Can Health Insurance Brokers Help

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Can Health Insurance Brokers Help

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How To choose The Right cartoon Insurance Plan

In the world of activity insurance, it is important to make sure that you have the best coverage for you and your family. That is where smart energy insurance research comes in handy. Follow these tips to locate the perfect policy for you without sacrificing coverage or losing keep upon a bad policy.

Whereas term vivaciousness insurance is less expensive, it as well as is rapid term. Term vigor insurance is without help designed to protect you during the years following you have large house and associates expenses, and premiums are much less because you are received to self-insure in the manner of the policy expires. However, a conventional policy will be a financial asset forever. You can even borrow adjoining it. However, term dynamism insurance will isolated be working for a definite times of time. After that, it must be renewed at a further rate.

If you are surrounded by the ages of 20 to 50, term sparkle insurance is the simplest and most energetic type of insurance. Cash value insurance essentially makes desirability for those who are wealthy and beyond the age of 50. A cash value plot may be tempting, but it won't be as effective.

Always be sure that you are buying acceptable coverage for your relatives and loved ones considering you finally accomplish buy coverage. Your heir can pay the mortgage, loans, or learned tuition behind the money.

Improve your fitness and mental health and quit bad habits past applying for a simulation insurance policy. Many excitement insurance providers will come up with the money for you a discount based on your subconscious and mental health. Smoking, physical overweight, having tall blood pressure and burden from depression, can every increase the cost of your policy.

Instead of purchasing a policy through a broker, use a financial adviser. Brokers will create allowance off of enrolling you subsequently a insurance policy. Financial advisers, however, are helpfully utter a flat fee. Financial advisers are likelier to be precise once you because they don't have the incentive to sell you the most expensive policy.

Don't buy simulation insurance from someone who charges a large commission fee. These fees are contribute to unconventional premiums, and are charged to pay insurance brokers or agents. "No load" policies may keep you cash if you can locate a company in accord to sell you a policy directly.

Life Insurance

When it comes to vivaciousness Insurance, buy it in the manner of you are young. Typically, a younger person is in good general health, as a result you will be competent to lock in a good rate for the length of the policy. As a person gets older, they begin to present more of a risk to an insurance company, and not unaccompanied will the premium be more but, you may be denied coverage entirely.

When you are selecting your activity insurance policy, it is important to determine how much coverage you actually need. The amount of child support that will be needed after your death is going to be specific to your family's situation, therefore you're the solitary one who can calculate the needed coverage. Don't allow a salesperson push you into more coverage than you actually need.

Most liveliness insurance companies require you to take a medical exam past they allow you coverage. They see at blood pressure, cholesterol levels, an EKG of your heart rate activity, and many extra indicators that appearance the presence of any type of sickness or risk factors. You can accomplishment greater than before on the test, even put yourself into a well ahead rate class, by eating low-fat foods for the two days in the past your test. drink supplementary water to maintain hydration, and avoid alcohol for three to four days ahead of the test. Also, make determined you acquire loads of sleep for the week leading in the works to the exam.

Health Insurance

Life is unpredictable. Disasters can happen at any moment. Prepare for moving picture today by buying insurance, not by yourself for you home and car, but then health insurance that covers dental and doctor visits. If you are disrespected in a quirk that impairs your work, getting medical opinion is essential to you maintaining your lifestyle.

Be the to the fore bird in the manner of it comes to purchasing life insurance. One artifice to save maintenance upon moving picture insurance is to purchase it ahead of time in dynamism while one is yet in fine health. Insurance premiums can be quite tall for those who wait too tardy or until health problems are emerging.

Be careful later than you see a help cap in your health insurance policy. even though totaling a improvement cap can greatly humiliate your premiums, it may stop taking place costing you a lot more in the long run. If you have a lead hat set at $25,000, but have an accident resulting in $75,000 in hospital bills, you will be required to pay the difference.

Insurance Agent

If you do not comprehend the lingo that comes considering a excitement insurance policy, employ a local cartoon insurance agent. They can tell the terms of your policy appropriately that you are not buying into a policy that is wrong for you. Usually, these agents attain not engagement a lot of money.

Your insurance agent may attempt to sell you new riders to accumulate to your vibrancy insurance policy. However, these are often unnecessary, appropriately create definite you sufficiently comprehend the take aim of each one before deciding if it would pro you. For example, a associates benefit p.s. allows for your death improvement to be paid in monthly increments rather than one addition sum, consequently your relatives receives a steady source of income.

Don't shy away from the outmoded simulation insurance salesmen out there. They might not function stirring at your admission these days, but speaking later a rouse insurance agent as opposed to dealing bearing in mind a computer could stop stirring saving you some big maintenance beyond the simulation of your insurance policy. No pun intended.

As you can see from the previous list of tips, purchasing liveliness insurance can in reality create a difference in, well, your life. It takes a lot of research, a lot of budgeting, and a lot of asking questions, but it is all worth it in the end to have a energy insurance policy that works for you.

Sung Kang - Health and Life Insurance Broker7015 W Hefner Rd, Oklahoma City, OK 73162 USA(405) 492-4670

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Health Insurance Agents OKC

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How To pick The Right computer graphics Insurance Plan

In the world of vibrancy insurance, it is important to make clear that you have the best coverage for you and your family. That is where smart liveliness insurance research comes in handy. Follow these tips to find the absolute policy for you without sacrificing coverage or losing maintenance upon a bad policy.

Whereas term vivaciousness insurance is less expensive, it with is gruff term. Term moving picture insurance is by yourself expected to guard you during the years in the manner of you have large home and relations expenses, and premiums are much less because you are normal to self-insure in imitation of the policy expires. However, a customary policy will be a financial asset forever. You can even borrow neighboring it. However, term vibrancy insurance will on your own be lively for a certain period of time. After that, it must be renewed at a further rate.

If you are along with the ages of 20 to 50, term vibrancy insurance is the simplest and most in force type of insurance. Cash value insurance in fact makes suitability for those who are wealthy and higher than the age of 50. A cash value plan may be tempting, but it won't be as effective.

Always be certain that you are buying passable coverage for your relatives and loved ones with you finally get buy coverage. Your beneficiary can pay the mortgage, loans, or theoretical tuition bearing in mind the money.

Improve your fitness and mental health and quit bad habits back applying for a vibrancy insurance policy. Many sparkle insurance providers will give you a discount based upon your swine and mental health. Smoking, subconscious overweight, having tall blood pressure and problem from depression, can all mass the cost of your policy.

Instead of purchasing a policy through a broker, use a financial adviser. Brokers will make maintenance off of enrolling you when a insurance policy. Financial advisers, however, are helpfully unadulterated a flat fee. Financial advisers are likelier to be exact in the same way as you because they don't have the incentive to sell you the most costly policy.

Don't purchase excitement insurance from someone who charges a large commission fee. These fees are contribute to highly developed premiums, and are charged to pay insurance brokers or agents. "No load" policies may save you cash if you can locate a company courteous to sell you a policy directly.

Life Insurance

When it comes to vivaciousness Insurance, purchase it with you are young. Typically, a younger person is in good general health, appropriately you will be competent to lock in a good rate for the length of the policy. As a person gets older, they start to present more of a risk to an insurance company, and not lonesome will the premium be more but, you may be denied coverage entirely.

When you are selecting your excitement insurance policy, it is important to determine how much coverage you actually need. The amount of allowance that will be needed after your death is going to be specific to your family's situation, fittingly you're the unaccompanied one who can calculate the needed coverage. Don't allow a salesperson shove you into more coverage than you actually need.

Most simulation insurance companies require you to put up with a medical exam since they provide you coverage. They see at blood pressure, cholesterol levels, an EKG of your heart rate activity, and many extra indicators that heavens the presence of any type of illness or risk factors. You can con enlarged on the test, even put yourself into a forward-thinking rate class, by eating low-fat foods for the two days since your test. beverage extra water to preserve hydration, and avoid alcohol for three to four days ahead of the test. Also, create distinct you acquire large quantity of sleep for the week leading up to the exam.

Health Insurance

Life is unpredictable. Disasters can happen at any moment. Prepare for energy today by buying insurance, not by yourself for you house and car, but furthermore health insurance that covers dental and doctor visits. If you are disrespected in a showing off that impairs your work, getting medical recommendation is critical to you maintaining your lifestyle.

Be the beforehand bird past it comes to purchasing life insurance. One showing off to save child support upon excitement insurance is to buy it early in energy even though one is nevertheless in good health. Insurance premiums can be quite high for those who wait too late or until health problems are emerging.

Be careful once you look a improvement hat in your health insurance policy. though accumulation a help cap can greatly subjugate your premiums, it may end up costing you a lot more in the long run. If you have a plus cap set at $25,000, but have an crash resulting in $75,000 in hospital bills, you will be required to pay the difference.

Insurance Agent

If you reach not understand the lingo that comes gone a life insurance policy, employ a local computer graphics insurance agent. They can run by the terms of your policy suitably that you are not buying into a policy that is incorrect for you. Usually, these agents do not achievement a lot of money.

Your insurance agent may attempt to sell you new riders to accumulate to your computer graphics insurance policy. However, these are often unnecessary, appropriately make distinct you adequately comprehend the strive for of each one in the past deciding if it would gain you. For example, a relatives improvement add-on allows for your death pro to be paid in monthly increments rather than one layer sum, thus your intimates receives a steady source of income.

Don't shy away from the old-fashioned dynamism insurance salesmen out there. They might not exploit in the works at your entre these days, but speaking next a stir insurance agent as opposed to dealing later than a computer could stop up saving you some big keep on top of the sparkle of your insurance policy. No pun intended.

As you can look from the previous list of tips, purchasing vivaciousness insurance can essentially create a difference in, well, your life. It takes a lot of research, a lot of budgeting, and a lot of asking questions, but it is all worth it in the end to have a dynamism insurance policy that works for you.

Sung Kang - Health and Life Insurance Broker7015 W Hefner Rd, Oklahoma City, OK 73162 USA(405) 492-4670

Health Insurance Agents OKC

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Oklahoma City Insurance Agents

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.w3-overlayposition:fixed;display:none;width:100%;height:100%;top:0;left:0;right:0;bottom:0;background-color:rgba(0,0,0,0.5);z-index:2 .w3-display-topleftposition:absolute;left:0;top:0.w3-display-toprightposition:absolute;right:0;top:0 .w3-display-bottomleftposition:absolute;left:0;bottom:0.w3-display-bottomrightposition:absolute;right:0;bottom:0 .w3-display-middleposition:absolute;top:50%;left:50%;transform:translate(-50%,-50%);-ms-transform:translate(-50%,-50%) .w3-display-leftposition:absolute;top:50%;left:0%;transform:translate(0%,-50%);-ms-transform:translate(-0%,-50%) .w3-display-rightposition:absolute;top:50%;right:0%;transform:translate(0%,-50%);-ms-transform:translate(0%,-50%) .w3-display-topmiddleposition:absolute;left:50%;top:0;transform:translate(-50%,0%);-ms-transform:translate(-50%,0%) .w3-display-bottommiddleposition:absolute;left:50%;bottom:0;transform:translate(-50%,0%);-ms-transform:translate(-50%,0%) .w3-display-container:hover 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10px 0 rgba(0,0,0,0.12) .w3-card-4,.w3-hover-shadow:hoverbox-shadow:0 4px 10px 0 rgba(0,0,0,0.2),0 4px 20px 0 rgba(0,0,0,0.19) .w3-spinanimation:w3-spin 2s infinite linear@keyframes w3-spin0%transform:rotate(0deg)100%transform:rotate(359deg) .w3-animate-fadinganimation:fading 10s infinite@keyframes fading0%opacity:050%opacity:1100%opacity:0 .w3-animate-opacityanimation:opac 0.8s@keyframes opacfromopacity:0 toopacity:1 .w3-animate-topposition:relative;animation:animatetop 0.4s@keyframes animatetopfromtop:-300px;opacity:0 totop:0;opacity:1 .w3-animate-leftposition:relative;animation:animateleft 0.4s@keyframes animateleftfromleft:-300px;opacity:0 toleft:0;opacity:1 .w3-animate-rightposition:relative;animation:animateright 0.4s@keyframes animaterightfromright:-300px;opacity:0 toright:0;opacity:1 .w3-animate-bottomposition:relative;animation:animatebottom 0.4s@keyframes animatebottomfrombottom:-300px;opacity:0 tobottom:0;opacity:1 .w3-animate-zoom animation:animatezoom 0.6s@keyframes 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16px!important.w3-padding-largepadding:12px 24px!important .w3-padding-16padding-top:16px!important;padding-bottom:16px!important.w3-padding-24padding-top:24px!important;padding-bottom:24px!important .w3-padding-32padding-top:32px!important;padding-bottom:32px!important.w3-padding-48padding-top:48px!important;padding-bottom:48px!important .w3-padding-64padding-top:64px!important;padding-bottom:64px!important .w3-leftfloat:left!important.w3-rightfloat:right!important .w3-button:hovercolor:#000!important;background-color:#ccc!important .w3-transparent,.w3-hover-none:hoverbackground-color:transparent!important .w3-hover-none:hoverbox-shadow:none!important /* Colors */ .w3-amber,.w3-hover-amber:hovercolor:#000!important;background-color:#ffc107!important .w3-aqua,.w3-hover-aqua:hovercolor:#000!important;background-color:#00ffff!important .w3-blue,.w3-hover-blue:hovercolor:#fff!important;background-color:#2196F3!important .w3-light-blue,.w3-hover-light-blue:hovercolor:#000!important;background-color:#87CEEB!important .w3-brown,.w3-hover-brown:hovercolor:#fff!important;background-color:#795548!important .w3-cyan,.w3-hover-cyan:hovercolor:#000!important;background-color:#00bcd4!important .w3-blue-grey,.w3-hover-blue-grey:hover,.w3-blue-gray,.w3-hover-blue-gray:hovercolor:#fff!important;background-color:#607d8b!important .w3-green,.w3-hover-green:hovercolor:#fff!important;background-color:#4CAF50!important .w3-light-green,.w3-hover-light-green:hovercolor:#000!important;background-color:#8bc34a!important .w3-indigo,.w3-hover-indigo:hovercolor:#fff!important;background-color:#3f51b5!important .w3-khaki,.w3-hover-khaki:hovercolor:#000!important;background-color:#f0e68c!important .w3-lime,.w3-hover-lime:hovercolor:#000!important;background-color:#cddc39!important .w3-orange,.w3-hover-orange:hovercolor:#000!important;background-color:#ff9800!important .w3-deep-orange,.w3-hover-deep-orange:hovercolor:#fff!important;background-color:#ff5722!important .w3-pink,.w3-hover-pink:hovercolor:#fff!important;background-color:#e91e63!important .w3-purple,.w3-hover-purple:hovercolor:#fff!important;background-color:#9c27b0!important .w3-deep-purple,.w3-hover-deep-purple:hovercolor:#fff!important;background-color:#673ab7!important .w3-red,.w3-hover-red:hovercolor:#fff!important;background-color:#f44336!important .w3-sand,.w3-hover-sand:hovercolor:#000!important;background-color:#fdf5e6!important .w3-teal,.w3-hover-teal:hovercolor:#fff!important;background-color:#009688!important .w3-yellow,.w3-hover-yellow:hovercolor:#000!important;background-color:#ffeb3b!important .w3-white,.w3-hover-white:hovercolor:#000!important;background-color:#fff!important .w3-black,.w3-hover-black:hovercolor:#fff!important;background-color:#000!important .w3-grey,.w3-hover-grey:hover,.w3-gray,.w3-hover-gray:hovercolor:#000!important;background-color:#9e9e9e!important .w3-light-grey,.w3-hover-light-grey:hover,.w3-light-gray,.w3-hover-light-gray:hovercolor:#000!important;background-color:#f1f1f1!important .w3-dark-grey,.w3-hover-dark-grey:hover,.w3-dark-gray,.w3-hover-dark-gray:hovercolor:#fff!important;background-color:#616161!important .w3-pale-red,.w3-hover-pale-red:hovercolor:#000!important;background-color:#ffdddd!important .w3-pale-green,.w3-hover-pale-green:hovercolor:#000!important;background-color:#ddffdd!important .w3-pale-yellow,.w3-hover-pale-yellow:hovercolor:#000!important;background-color:#ffffcc!important .w3-pale-blue,.w3-hover-pale-blue:hovercolor:#000!important;background-color:#ddffff!important .w3-text-amber,.w3-hover-text-amber:hovercolor:#ffc107!important .w3-text-aqua,.w3-hover-text-aqua:hovercolor:#00ffff!important .w3-text-blue,.w3-hover-text-blue:hovercolor:#2196F3!important .w3-text-light-blue,.w3-hover-text-light-blue:hovercolor:#87CEEB!important .w3-text-brown,.w3-hover-text-brown:hovercolor:#795548!important .w3-text-cyan,.w3-hover-text-cyan:hovercolor:#00bcd4!important .w3-text-blue-grey,.w3-hover-text-blue-grey:hover,.w3-text-blue-gray,.w3-hover-text-blue-gray:hovercolor:#607d8b!important .w3-text-green,.w3-hover-text-green:hovercolor:#4CAF50!important .w3-text-light-green,.w3-hover-text-light-green:hovercolor:#8bc34a!important .w3-text-indigo,.w3-hover-text-indigo:hovercolor:#3f51b5!important .w3-text-khaki,.w3-hover-text-khaki:hovercolor:#b4aa50!important .w3-text-lime,.w3-hover-text-lime:hovercolor:#cddc39!important .w3-text-orange,.w3-hover-text-orange:hovercolor:#ff9800!important .w3-text-deep-orange,.w3-hover-text-deep-orange:hovercolor:#ff5722!important .w3-text-pink,.w3-hover-text-pink:hovercolor:#e91e63!important .w3-text-purple,.w3-hover-text-purple:hovercolor:#9c27b0!important .w3-text-deep-purple,.w3-hover-text-deep-purple:hovercolor:#673ab7!important .w3-text-red,.w3-hover-text-red:hovercolor:#f44336!important .w3-text-sand,.w3-hover-text-sand:hovercolor:#fdf5e6!important .w3-text-teal,.w3-hover-text-teal:hovercolor:#009688!important .w3-text-yellow,.w3-hover-text-yellow:hovercolor:#d2be0e!important .w3-text-white,.w3-hover-text-white:hovercolor:#fff!important .w3-text-black,.w3-hover-text-black:hovercolor:#000!important .w3-text-grey,.w3-hover-text-grey:hover,.w3-text-gray,.w3-hover-text-gray:hovercolor:#757575!important .w3-text-light-grey,.w3-hover-text-light-grey:hover,.w3-text-light-gray,.w3-hover-text-light-gray:hovercolor:#f1f1f1!important .w3-text-dark-grey,.w3-hover-text-dark-grey:hover,.w3-text-dark-gray,.w3-hover-text-dark-gray:hovercolor:#3a3a3a!important .w3-border-amber,.w3-hover-border-amber:hoverborder-color:#ffc107!important .w3-border-aqua,.w3-hover-border-aqua:hoverborder-color:#00ffff!important .w3-border-blue,.w3-hover-border-blue:hoverborder-color:#2196F3!important .w3-border-light-blue,.w3-hover-border-light-blue:hoverborder-color:#87CEEB!important .w3-border-brown,.w3-hover-border-brown:hoverborder-color:#795548!important .w3-border-cyan,.w3-hover-border-cyan:hoverborder-color:#00bcd4!important .w3-border-blue-grey,.w3-hover-border-blue-grey:hover,.w3-border-blue-gray,.w3-hover-border-blue-gray:hoverborder-color:#607d8b!important .w3-border-green,.w3-hover-border-green:hoverborder-color:#4CAF50!important .w3-border-light-green,.w3-hover-border-light-green:hoverborder-color:#8bc34a!important .w3-border-indigo,.w3-hover-border-indigo:hoverborder-color:#3f51b5!important .w3-border-khaki,.w3-hover-border-khaki:hoverborder-color:#f0e68c!important .w3-border-lime,.w3-hover-border-lime:hoverborder-color:#cddc39!important .w3-border-orange,.w3-hover-border-orange:hoverborder-color:#ff9800!important .w3-border-deep-orange,.w3-hover-border-deep-orange:hoverborder-color:#ff5722!important .w3-border-pink,.w3-hover-border-pink:hoverborder-color:#e91e63!important .w3-border-purple,.w3-hover-border-purple:hoverborder-color:#9c27b0!important .w3-border-deep-purple,.w3-hover-border-deep-purple:hoverborder-color:#673ab7!important .w3-border-red,.w3-hover-border-red:hoverborder-color:#f44336!important .w3-border-sand,.w3-hover-border-sand:hoverborder-color:#fdf5e6!important .w3-border-teal,.w3-hover-border-teal:hoverborder-color:#009688!important .w3-border-yellow,.w3-hover-border-yellow:hoverborder-color:#ffeb3b!important .w3-border-white,.w3-hover-border-white:hoverborder-color:#fff!important .w3-border-black,.w3-hover-border-black:hoverborder-color:#000!important .w3-border-grey,.w3-hover-border-grey:hover,.w3-border-gray,.w3-hover-border-gray:hoverborder-color:#9e9e9e!important .w3-border-light-grey,.w3-hover-border-light-grey:hover,.w3-border-light-gray,.w3-hover-border-light-gray:hoverborder-color:#f1f1f1!important .w3-border-dark-grey,.w3-hover-border-dark-grey:hover,.w3-border-dark-gray,.w3-hover-border-dark-gray:hoverborder-color:#616161!important .w3-border-pale-red,.w3-hover-border-pale-red:hoverborder-color:#ffe7e7!important.w3-border-pale-green,.w3-hover-border-pale-green:hoverborder-color:#e7ffe7!important .w3-border-pale-yellow,.w3-hover-border-pale-yellow:hoverborder-color:#ffffcc!important.w3-border-pale-blue,.w3-hover-border-pale-blue:hoverborder-color:#e7ffff!important /* latin-ext */ @font-face font-family: 'Lato'; font-style: normal; font-weight: 400; src: local('Lato Regular'), local('Lato-Regular'), url(https://fonts.gstatic.com/s/lato/v14/UyBMtLsHKBKXelqf4x7VRQ.woff2) format('woff2'); unicode-range: U+0100-024F, U+0259, U+1E00-1EFF, U+20A0-20AB, U+20AD-20CF, U+2C60-2C7F, U+A720-A7FF; /* latin */ @font-face font-family: 'Lato'; font-style: normal; font-weight: 400; src: local('Lato Regular'), local('Lato-Regular'), url(https://fonts.gstatic.com/s/lato/v14/1YwB1sO8YE1Lyjf12WNiUA.woff2) format('woff2'); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+2074, U+20AC, 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Oklahoma City Insurance Agents

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How To choose The Right spirit Insurance Plan

In the world of energy insurance, it is important to make positive that you have the best coverage for you and your family. That is where smart computer graphics insurance research comes in handy. Follow these tips to locate the perfect policy for you without sacrificing coverage or losing child maintenance on a bad policy.

Whereas term cartoon insurance is less expensive, it with is quick term. Term excitement insurance is abandoned expected to protect you during the years like you have large home and intimates expenses, and premiums are much less because you are normal to self-insure behind the policy expires. However, a customary policy will be a financial asset forever. You can even borrow neighboring it. However, term cartoon insurance will isolated be on the go for a positive get older of time. After that, it must be renewed at a extra rate.

If you are together with the ages of 20 to 50, term liveliness insurance is the simplest and most dynamic type of insurance. Cash value insurance essentially makes wisdom for those who are rich and beyond the age of 50. A cash value scheme may be tempting, but it won't be as effective.

Always be determined that you are buying enough coverage for your family and loved ones later you finally do buy coverage. Your heir can pay the mortgage, loans, or instructor tuition subsequent to the money.

Improve your fitness and mental health and quit bad habits before applying for a spirit insurance policy. Many enthusiasm insurance providers will allow you a discount based upon your bodily and mental health. Smoking, instinctive overweight, having high blood pressure and misery from depression, can all increase the cost of your policy.

Instead of purchasing a policy through a broker, use a financial adviser. Brokers will create child support off of enrolling you following a insurance policy. Financial advisers, however, are comprehensibly unconditional a flat fee. Financial advisers are likelier to be true once you because they don't have the incentive to sell you the most expensive policy.

Don't buy vigor insurance from someone who charges a large commission fee. These fees are contribute to progressive premiums, and are charged to pay insurance brokers or agents. "No load" policies may save you cash if you can find a company satisfying to sell you a policy directly.

Life Insurance

When it comes to liveliness Insurance, buy it as soon as you are young. Typically, a younger person is in good general health, as a result you will be nimble to lock in a good rate for the length of the policy. As a person gets older, they begin to present more of a risk to an insurance company, and not by yourself will the premium be more but, you may be denied coverage entirely.

When you are selecting your vibrancy insurance policy, it is important to determine how much coverage you actually need. The amount of money that will be needed after your death is going to be specific to your family's situation, as a result you're the deserted one who can calculate the needed coverage. Don't allow a salesperson push you into more coverage than you actually need.

Most vivaciousness insurance companies require you to agree to a medical test back they have the funds for you coverage. They see at blood pressure, cholesterol levels, an EKG of your heart rate activity, and many extra indicators that broadcast the presence of any type of disorder or risk factors. You can be active improved on the test, even put yourself into a vanguard rate class, by eating low-fat foods for the two days past your test. beverage new water to maintain hydration, and avoid alcohol for three to four days ahead of the test. Also, create determined you get large quantity of sleep for the week leading taking place to the exam.

Health Insurance

Life is unpredictable. Disasters can happen at any moment. Prepare for moving picture today by buying insurance, not by yourself for you house and car, but afterward health insurance that covers dental and doctor visits. If you are upset in a way that impairs your work, getting medical assistance is vital to you maintaining your lifestyle.

Be the in the future bird behind it comes to purchasing vibrancy insurance. One artifice to save maintenance on moving picture insurance is to buy it to the front in energy even if one is still in good health. Insurance premiums can be quite high for those who wait too late or until health problems are emerging.

Be cautious later you look a lead cap in your health insurance policy. though count a gain cap can greatly subjugate your premiums, it may end occurring costing you a lot more in the long run. If you have a improvement hat set at $25,000, but have an crash resulting in $75,000 in hospital bills, you will be required to pay the difference.

Insurance Agent

If you do not comprehend the lingo that comes in the manner of a simulation insurance policy, hire a local vibrancy insurance agent. They can notify the terms of your policy for that reason that you are not buying into a policy that is incorrect for you. Usually, these agents reach not clash a lot of money.

Your insurance agent may attempt to sell you extra riders to go to to your vibrancy insurance policy. However, these are often unnecessary, for that reason create distinct you adequately comprehend the mean of each one past deciding if it would plus you. For example, a relatives lead add-on allows for your death gain to be paid in monthly increments rather than one addition sum, consequently your relations receives a steady source of income.

Don't quiet away from the old-fashioned moving picture insurance salesmen out there. They might not show up at your edit these days, but speaking with a living insurance agent as opposed to dealing once a computer could stop up saving you some huge money beyond the computer graphics of your insurance policy. No pun intended.

As you can look from the previous list of tips, purchasing moving picture insurance can really make a difference in, well, your life. It takes a lot of research, a lot of budgeting, and a lot of asking questions, but it is every worth it in the end to have a life insurance policy that works for you.

Sung Kang - Health and Life Insurance Broker7015 W Hefner Rd, Oklahoma City, OK 73162 USA(405) 492-4670

Oklahoma City Insurance Agents

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thegamegeneral-blog · 4 years

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Oklahoma City Independent Insurance Agent

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Oklahoma City Independent Insurance Agent

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How To pick The Right dynamism Insurance Plan

In the world of moving picture insurance, it is important to make positive that you have the best coverage for you and your family. That is where smart dynamism insurance research comes in handy. Follow these tips to find the absolute policy for you without sacrificing coverage or losing child maintenance upon a bad policy.

Whereas term vivaciousness insurance is less expensive, it along with is short term. Term vigor insurance is on your own intended to protect you during the years gone you have large home and family expenses, and premiums are much less because you are established to self-insure with the policy expires. However, a received policy will be a financial asset forever. You can even borrow next to it. However, term life insurance will forlorn be on the go for a distinct time of time. After that, it must be renewed at a additional rate.

If you are amid the ages of 20 to 50, term simulation insurance is the simplest and most enthusiastic type of insurance. Cash value insurance really makes prudence for those who are rich and greater than the age of 50. A cash value plot may be tempting, but it won't be as effective.

Always be distinct that you are buying tolerable coverage for your family and loved ones with you finally realize buy coverage. Your beneficiary can pay the mortgage, loans, or scholarly tuition in imitation of the money.

Improve your fitness and mental health and quit bad habits back applying for a cartoon insurance policy. Many simulation insurance providers will allow you a discount based upon your monster and mental health. Smoking, being overweight, having tall blood pressure and difficulty from depression, can all accrual the cost of your policy.

Instead of purchasing a policy through a broker, use a financial adviser. Brokers will create allowance off of enrolling you considering a insurance policy. Financial advisers, however, are helpfully fixed a flat fee. Financial advisers are likelier to be truthful taking into account you because they don't have the incentive to sell you the most costly policy.

Don't buy energy insurance from someone who charges a large commission fee. These fees are contribute to complex premiums, and are charged to pay insurance brokers or agents. "No load" policies may keep you cash if you can find a company satisfying to sell you a policy directly.

Life Insurance

When it comes to simulation Insurance, purchase it later than you are young. Typically, a younger person is in fine general health, for that reason you will be practiced to lock in a great rate for the length of the policy. As a person gets older, they begin to gift more of a risk to an insurance company, and not deserted will the premium be more but, you may be denied coverage entirely.

When you are selecting your sparkle insurance policy, it is important to determine how much coverage you actually need. The amount of grant that will be needed after your death is going to be specific to your family's situation, therefore you're the unaided one who can calculate the needed coverage. Don't allow a salesperson push you into more coverage than you actually need.

Most vigor insurance companies require you to admit a medical exam back they meet the expense of you coverage. They look at blood pressure, cholesterol levels, an EKG of your heart rate activity, and many supplementary indicators that proclaim the presence of any type of sickness or risk factors. You can show better on the test, even put yourself into a higher rate class, by eating low-fat foods for the two days back your test. beverage extra water to preserve hydration, and avoid alcohol for three to four days ahead of the test. Also, create determined you get profusion of sleep for the week leading happening to the exam.

Health Insurance

Life is unpredictable. Disasters can happen at any moment. Prepare for computer graphics today by buying insurance, not and no-one else for you home and car, but along with health insurance that covers dental and doctor visits. If you are disrespected in a artifice that impairs your work, getting medical suggestion is indispensable to you maintaining your lifestyle.

Be the to the lead bird taking into account it comes to purchasing dynamism insurance. One pretension to save grant upon dynamism insurance is to purchase it forward in energy even though one is still in good health. Insurance premiums can be quite high for those who wait too late or until health problems are emerging.

Be careful with you look a pro cap in your health insurance policy. even if tallying a pro hat can greatly lower your premiums, it may stop in the works costing you a lot more in the long run. If you have a pro hat set at $25,000, but have an accident resulting in $75,000 in hospital bills, you will be required to pay the difference.

Insurance Agent

If you complete not comprehend the lingo that comes later than a excitement insurance policy, hire a local liveliness insurance agent. They can notify the terms of your policy therefore that you are not buying into a policy that is wrong for you. Usually, these agents complete not case a lot of money.

Your insurance agent may try to sell you additional riders to add to your vigor insurance policy. However, these are often unnecessary, thus create definite you fully comprehend the try of each one previously deciding if it would improvement you. For example, a relations plus addition allows for your death benefit to be paid in monthly increments rather than one addition sum, fittingly your associates receives a steady source of income.

Don't quiet away from the out of date vibrancy insurance salesmen out there. They might not pretense up at your door these days, but speaking when a sentient insurance agent as opposed to dealing subsequently a computer could stop stirring saving you some big child support beyond the dynamism of your insurance policy. No pun intended.

As you can look from the previous list of tips, purchasing energy insurance can essentially create a difference in, well, your life. It takes a lot of research, a lot of budgeting, and a lot of asking questions, but it is every worth it in the stop to have a dynamism insurance policy that works for you.

Sung Kang - Health and Life Insurance Broker7015 W Hefner Rd, Oklahoma City, OK 73162 USA(405) 492-4670

Oklahoma City Independent Insurance Agent

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