How to Have Fun and Stay Healthy in College—You Can Have Both

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Public safety officials at major universities advise new students that a university campus is just like any other major city—except more dangerous. Academic advisers tantalize new students with the promise of greater freedom than they ever before have known, sometimes forgetting the part about “more responsibility, too.” Residential advisers grow weary of reminding “dormies” that their mommies aren’t there to protect or clean-up after them. In the endless string of orientations and advising sessions, new students’ eyes naturally glaze-over, and much of the vital information floats out into the galaxy. Even if you have forgotten most of the faculty’s and staff’s sage advice, remember these four serious cautions:

• Beware “the freshman fifteen.” The phenomenon has become so common it appears with its own special term in The Urban Dictionary: “The Freshman Fifteen” refers to the 15 pounds most women gain during their first semester on campus. They pack-on weight because institutional food is fatty and starchy, and they hold the weight because they become sedentary, spending far more time studying and far less time exercising than they did during their senior years of high school. The phenomenon comes with a paradox built-in: During your freshman year of college, you have far more time to exercise than you did in high school, yet you probably exercise 95 percent less than you did in twelfth grade. The secret, then, lives in the obvious place: If you want to preserve your high school weight and jeans size, exercise as much as you did while played high school sports. Your college did, after all, build that big recreation center just for you.

• Eeeew, contagion. You probably had to get more shots for college than for kindergarten, and the folks in the dorm probably would not allow you to claim your room until you showed proof that you were properly immunized. These requirements kicked-in in the mid-1990s after many large colleges experienced epidemics of “childhood diseases,” especially measles. People who live in close quarters naturally pass their bacteria and viruses among their roommates, especially when their systems are depleted from a little too much studying and way too much partying. You will note that everyone gets seriously sick right after mid-terms, recovering just barely in time for final exams. Therefore, just as your elementary school teachers insisted, cover your coughs and sneezes, and wash your hands often. Eat well, sleep well, exercise, and maintain your immunity. Although contagion thrives all around you, you need not succumb.

Day 25/365• Work hard. Play hard. You, your parents, and the federal government are paying big bucks for your privilege of attending college; you really ought to get your money’s worth. Therefore, attend class, participate, and do your homework just as “work hard” implies. Naturally, your college, like all colleges, has long-standing, well-honored traditions for football, basketball, and parties. At the finest schools, the weekend begins on Thursday night and ends on Tuesday morning, and freshmen frequently remember very little of what happens in-between. The more prestigious the university, the harder the students play. Just a fact. You must, therefore, learn how to pace yourself, protect yourself, and maintain healthy respect for everything that can go wrong. Freshmen especially are cautioned: Binge drinking is more dangerous than drinking every day, because it allows for periods of “functionality,” and it leaves ample room for denial. When in doubt, work prevails over play like a full house beats a pair of deuces.

• Make friends. “Alienation and depersonalization” lead the list of causes for college attrition. In other words, students either fail or flee because they feel no connection with any among the thousands of students all around them, and they feel they have lost their distinction. Looking a little deeper, psychologists find many freshmen have trouble understanding their classmates are as smart and talented as they; and they internalize the sameness as inferiority, because high school taught them to regard themselves as exceptional. Depression naturally follows, ultimately claiming students’ careers. You easily can prevent these problems: Make friends with people who share your gifts.

College women especially must protect their personal safety, using every defensive tactic every other woman ever has taught. Although a freshman girl is six times more likely to graduate than the boy sitting next to her, one in three will be stalked before she graduates, and one in ten will become a victim of date or acquaintance rape. One in four among those freshman women will contract Chlamydia, and most who do contract an STD will transmit it to another partner before they seek diagnosis and treatment. Of course, alcohol influences every one of these frightening statistics; and one in every twelve first-year women will seek treatment for alcoholism. Hamlet, home from his own university studies, may have issued wise caution to his former girlfriend Ophelia, when he instructed, “Get thee to a nunnery!” College is a dangerous place.

George Franklin is a writer and student earning his masters in project management to further his career.

5 Ways to Tell if You Can Afford a Car for College

His Car.

Many students who are gearing up to head off to college for the first time wonder whether or not they need to bring a car with them. A car can be an incredibly helpful way to get to class from your dormitory or even get you to your part time job. In addition, having a car can make it a lot easier when you need to travel home, instead of taking flights during busy holidays like Thanksgiving and Christmas. However, having a car will also be a large expense. To make sure that you can afford a car for college, ask yourself the following questions to determine if it is within your budget and truly worth the expense.

1. Will I Have a Source of Income?

The biggest thing to consider when deciding if you can afford a car for college is whether or not you will have a source of income while attending school, especially if you plan on paying car payments each month. If you have secured a full or part time job that will cover the costs of the car payments, then it seems like a reasonable and affordable expense.

2. Do I Have Enough Savings to Purchase the Car Outright?

Instead of paying monthly car payments, there is the option simply to purchase the car outright. This can be a viable option if you have enough money saved to purchase either a new or secondhand car to take with you to college. Before spending the lump sum on a car, consider whether the money might be put to better use in savings, to pay off loans or even to pay upfront for any college tuition costs.

3. Will I Be Living Conveniently on Campus?

In many colleges students live in an area where cars are not required in order to get around. Some smaller campuses have everything within walking distance, making it easy to get from your dormitory to class, the cafeteria or the libraries. You won’t likely need a car in this instance, but might need one if you plan to live off campus or even work off campus.

4. Have I Considered Gas and Insurance?

Money Hand Holding Bankroll Girls February 08, 20117Although you might calculate that you can afford the car, question whether or not you have budgeted for car insurance and gas. This can be a hefty expense that adds up quickly over time, especially for those college students who do not plan to work while attending school.

5. Can I Drive From Home?

If you live within driving distance of your home, it may be a wise decision to bring a car with you to college. It can save on transport during holidays, reducing your need to fly home. Keep in mind that you may have some long trips ahead of you in the car, even after end of semester exams.

If you have asked yourself each of these five questions, then you are prepared to make the decision about buying a car to take with you to college.

Mary Baxter is a nurse and writer earning her online masters degree in nursing to further her career.

5 Ways to Work Effectively with Family Members

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Many businesses, both large and small, start out as family affairs. This is often because it is easy to find family members who are willing to work hard, as well as the fact that some business owners find it easier to trust their relatives than any other employees. However, when family members work together not everything is perfect. There are lots of problems that can occur as a result of anger, jealousy or an unprofessional attitude, many problems that don’t typically come about in other businesses. If you want to work side by side with other family members, use the following tips to work effectively and without family issues getting in the way.

Don’t Show Favoritism

It might be easy to favor your family members over other employees, or even show favoritism to just one favorite child or sibling. However, that can cause problems in the workplace. Resentment may rise from person to person and create a hostile work environment. Try to keep the office or workplace very neutral so no one employee feels uncomfortable.

Clear Job Descriptions

Hiring family members with generic job titles can be a problem when some employees begin to slack off but still except payment. Make sure that when you take on family members to work for you that you set clear guidelines for what is expected. Specify what hours are expected, what tasks need to be done by which individual and what kind of days off are permissible.

Regular Salaries and Payment

Many businesses force their family member employees to wait until the company profits to receive wages, or even withhold payments in times of trouble. A typical business would never be allowed to do this and neither should a family run organization. Make sure that you pay each employee at stipulated at the right time each week or month. If the company is unable to continue making those payments, the best choice is simply to let go of some employees. If you have the resources to hire them back in the future, keep that in mind as a possibility.

Be Strict

Many owners have family members who earn paychecks at their business but don’t put forth the required amount of effort. Just because someone is related to you they should still work hard to earn their salaries. If someone is repeatedly late, absent from work or not focused on their daily tasks, speak to them in person and make it clear that the behavior is not tolerated by any employee, whether or not they are a family member.

Keep Family Events Free from Business

When it comes to backyard barbecues, family reunions and birthday celebrations, try to keep work out of the equation. Spend time enjoying the company of your family members and make it clear that you love and respect them outside of the work environment.

By keeping these five important things in mind, it will be easier to work effectively with family members in any kind of business.

James Thomas is a writer interested in how to get money and stay within budget by using the Adsense revenue estimator to foresee his website’s income.

How to Be a Safer Driver

Man driving home after a long trip

Every year there are more people that become eligible to drive, which means that there are more cars on the road than ever before. If there are more cars on the road, the odds of getting into an accident is going to increase. The only way to reduce the odds of getting into an accident is to become a better driver. While there are several ways to become a better driver, these tips will have the most impact on your driving.No Cell Phones

Texting or talking on the phone are the worst things that you can do while driving. They require your full attention, so you are not able to watch the road. If you need to take phone calls while you are in the car, then you should invest in a hands-free headset. This will allow you to maintain both hands on the wheel while you are talking on the phone. If you have a smartphone, then there are several apps that will stop texts while you are driving. This is a perfect app to use if you can not resist checking your phone while driving.

Maintain Your Car

Properly maintaining your car is one of the best ways to avoid accidents. Having your car break down or getting a flat tire can cause major problems if you are on a busy road. While these things will not cause you to crash, they increase your chance of getting hit by another driver. If someone is not paying attention, they they may not see you trying to get to the side of the road.

Drive Defensively

Driving defensively means that you are not speeding and that you are not tailgating other drivers. Driving defensively will allow you to react quickly so that you can avoid any potential accidents. If you are driving too fast or too close to another car, then there is very little that you can do to avoid collisions. It will not matter how fast you react if you are not driving defensively. Another aspect of driving defensively is to avoid blind spots. If the driver can not see you, then they will not be able to avoid you.

Do Not Touch Stereo

It is much safer to drive without the radio on because the music can potential distract you from your driving. Driving without music can be very difficult for most people, especially on long trips. If you are going to listen to music, then you should not touch the stereo while driving. You should keep it on the same radio station or put the CD in the player before your leave. While changing the radio station or a CD will only distract you for a few seconds, it only takes a few seconds of distraction to get into an accident.

If you follow these four tips then you should be able to drastically reduce your chances of getting into an accident. It is not worth it to risk your safety over a phone call, texts, music or getting home a few minutes sooner.

Author Stephen Anderson is an insurance consultant who strongly suggests that you check here for Car Insurance Comparison Quotes to make certain you are getting the best possible prices. Quotes are available by city or state, such as Compare Texas Auto Insurance Quotes

Three Easy Ways to Start Couponing

HOT Wings at Rusty's

Many people are interested in couponing, but most aren’t sure how to get started or how to coupon effectively. Is it worth sitting at your kitchen table for an hour to clip a few coupons and save a couple dollars? Probably not for most but if you know how to coupon to maximize your savings, it is well worth the time and energy you put in.Here’s how to coupon effectively:

Know Where to Find Coupons

If you know where to find coupons, you can gather your materials and clip in one swoop. Coupons can be found in:

- The mail: if you’ve got what I like to call junk mail day, and mine is Tuesday, don’t throw your mail away without looking at it. There are often great coupons included in these flyers.

- Newspapers: the Sunday paper is a great place to find coupons hiding amongst the sale flyers. These are often where you find the best deals on grocery products.

- In the store: have you ever noticed those little boxes hanging off of the store shelves? Those boxes contain great coupons and are usually located very near the item you’ll be saving on.

- Online: if there are items that you buy on a regular basis, look for a website for the product. These sites often offer printable coupons for consumers. If there are no coupons, email the company, and tell them how much you love their product. They may just send you a few coupons for your trouble.

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Stay Organized

How you organize your coupons is up to you; it’s just important that you organize them. Here are a few ways to think about:

- Alphabetically: if you find things more quickly when they are alphabetized, organize your coupons as such.

- By category: you can organize your coupons by frozen foods, canned foods, dairy, etc.

- By savings: if you’re monetarily motivated, organize your coupons in order of savings, either ascending or descending.

There are a variety of organizers you can use for your coupons; from coupon wallets to recipe boxes. Whatever you choose to put your coupons in, make sure it is easily portable so you can always carry them with you.

Maximize Savings

For many, saving $0.25 on a bag of peas isn’t worth clipping the coupon. However, if you can train yourself to use coupons regularly, your savings can be substantial.

- Double coupons: know the store you shop at. Many offer double coupon days during the week to entice more customers. You $0.25 coupon will instantly save you $0.50!

- Rewards: most stores have loyalty programs. Look through the sales flyer and try to couple your coupons with items being offered at a discount by the store.

- Use multiples: if there are products you use on a regular basis, ask your friends and family to be on the lookout for coupons or to save you their flyers.

Couponing is an easy way to save money if you know what you’re doing. The key to couponing is in being organized and knowing your store. Don’t expect to saving hundreds of dollars when you start your couponing adventure but, once you get good at it, you can expect your savings to increase substantially.

As a stay at home parent, UK resident Mary Blanchard understands the importance of making her dollars stretch. She frequents the coupon croc site to access web discounts to stay within budget.

How to Decide on an Auto Insurance Deductible

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Everyone who purchases auto insurance will need to determine their deductible, but few people stop to think about what size deductible makes the most sense for their budget. A deductible is basically the cost you will have to pay upfront in order to have your car repaired in the case of an accident or a breakdown. It can range from $100 to $4,000, and the final amount will play a big role in how much you pay each month for auto insurance. A large deductible means a smaller monthly fee, while a small deductible means your monthly payments will be bigger. Here are some ways to determine what deductible amount is best for you.

Your Budget: Most of the factors that contribute to this decision are financial in nature. The idea is basically whether you plan to pay more each month so that you only need to pay a small amount in an emergency, or whether you want to pay less each month and need to come up with a large amount of money all at once. Carefully consider the status of your bank account before making this decision. Do you always have a few thousand dollars in savings that could be used in a moment’s notice in the case of an emergency? If so, then consider increasing your deductible and paying less each month. If an accident occurs, you should have no trouble covering the cost.

Your Planning: If you do not fall into the category above of a person who permanently has thousands of dollars in savings to use at any time, then consider how you should plan your finances. It can be tempting to pay the lowest monthly car insurance possible, but being faced with a $2,000 deductible after an accident can be a disaster. Plan a way to pay that amount in advance. It might mean setting aside some money each month, or it might mean raising your monthly car insurance payments so your deductible goes down.

Your Driving Skills: Give some thought to how confident you feel as a driver, as well as how often you actually use your car. If you drive an hour to work each day and an hour home, park in the city streets and then park on the curb once you get home, there are plenty of opportunities for accidents to happen. However, if you rarely drive your car and it is in a covered garage in a small town most of the time, accidents are less likely to happen. With a higher rate of accidents, a lower deductible is best. However, with few accidents likely to happen a large deductible gives you better odds of saving money in the long run.

In order to carefully choose the deductible amount that is right for your car insurance policy, consider factors like your overall budget and savings, your planning skills and the likelihood of having an accident in your neighborhood. Then, you can determine whether a large or small deductible works in your favor.

Marcie McDonald is an insurance consultant who writes for cheapestcarinsurance.org.uk. She recommends getting a comparison online for motor insurance and also to see if you qualify for the very cheapest car insurance before making your choice.

How to Dress Well on a Budget

Christmas shopping, woman's clothing store, ethnic lamp, University Village, Seattle, Washington, USA

Stretching your dollars is simple to do if you know what you’re looking for when it comes to buying clothes. There are several expensive brands of clothing that don’t really need to be purchased, because they don’t really make you look any better than some “lesser” brands do. The best way to find out exactly what will fit you the best is to go to many different stores where the sell great labels at great prices, like TJ Maxx. You can also try to find formal clothing for discounted prices at the Goodwill store or Salvation Army. Here are 5 tips you can use to make sure you can dress well on a budget.

1. Don’t buy clothing with exotic patterns. Buy solid colors instead. There are two reasons for this. First of all, solid colors are much easier to mix and match with each other, so you can buy less clothing to begin with, but it will appear to others that you have more clothing than you really do. Another reason is that it’s easy for people to think that patterned clothing doesn’t look that great. The worst they could say about your solid-colored clothing is that it’s boring, but at least they won’t call your clothing an eyesore.

2. Make a list of clothing and only buy from the list. You can make a list buy surveying your closet to see what you don’t have and what you need. This will cut down on impulse buying, and you’ll be able to make more room in your budget. The list you make should be your budget, and it’s up to you to stick to the list.

3. Stay away from accessories. These will add up quickly. Designer sunglasses, certain hair accessories, jewelry, and other aspects of dressing well will drain your budget quicker than you can blink. Only buy clothes that you really need to wear.

4. Try to find 2 or 3 colors that really look good on you and construct a wardrobe around those colors. This will make it so you only have to buy a certain amount of clothing, and you’ll always be wearing something that you know looks good on you.

5. Only buy things that are on sale. This may seem like a no-brainer, but a surprising number of people don’t trust clothing items that are put on sale. They think something is wrong with the clothing items. Sales are just designed to push certain clothing because the store needs to make room for other shipments they have received. Clothing on sale is as good as any other clothing.

No matter what the reason may be for your smaller budget, you can work around it by taking advantage of sales, determining your best 3 colors, making a list, avoiding accessories, and avoiding clothing that has patterns. You can find great bargains anywhere you look, and you get to keep your budget as long as you can avoid impulse buying. The time to buy the bargain clothes is now.

Author Thomas Hathaway is a financial consultant and suggests there are times when cash loans may come in handy while waiting for your regular paycheck date.