Tag Archives: scholarships and grants

The Washington Monthly: A New College Ranking System

college rankings system

The college rankng system of the U.S. News and World Report has been the industry standard for many years. Conventional wisdom says that if you want to know what the best colleges in the U.S. are, you should look no further than the top of their list.

However, with many students disgruntled at the methodology behind the U.S. News and World Report ranking system, a new ranking system has emerged to challenge this paradigm.

Enter The Washington Monthly College Guide and Rankings. Their mission as stated in their methodology:

[box type=”info”] Unlike U.S. News and World Report and similar guides, this one asks not what colleges can do for you, but what colleges are doing for the country. Are they educating low-income students, or just catering to the affluent? Are they improving the quality of their teaching, or ducking accountability for it? Are they trying to become more productive—and if so, why is average tuition rising faster than health care costs? Every year we lavish billions of tax dollars and other public benefits on institutions of higher learning. This guide asks: Are we getting the most for our money?[/box]

So rather than selfishly asking what a college can do for you, this guide looks at what a college does to positive impact the nation it supports.

Antithesis of US News and World Report

The US News and World Report college ranking system has become the industry standard. In recent years however, their methodology has come under fire as being to much of a “good ‘ol boy” system. For example, within the methodology of determining their ranking system, they give a full 25% to peer rankings. So for example, if you me and 3 other of our buddies were all college presidents, we could all get together and be sure to vote each other’s colleges very high. This rating would then be used as 25% of the overall score for the college. Does that seem fair to you?

Methodology aside, the US News and World Report does not address the ability of a college to get their students employed. It does not measure the effectiveness of teaching. Like Bill Gates previously said: “The control metric shouldn’t be that kids aren’t so qualified. It should be whether colleges are doing their job to teach them. I bet there are community colleges and other colleges that do a good job in that area, but US News & World Report rankings pushes you away from that.”

What is Your Criteria?

If you are currently evaluating college admissions letters what are your top criteria for choosing which college to go to?

Be sure to think about how good of a job your college does at giving back to the community.

How well will they prepare you for the work force (that is after all, the main purpose of getting a college education right?)

Do they excel at teaching?

What is the average student loan debt of graduates?

Sequester Cuts Military Tuition Assistance Program – Then Brings it Back

military tuition assistance

When the dreaded “Sequester” deadline was passed on March 1st, we all thought the financial world might implode. Many politicians painted a dreary picture for the future state of our economy, and government frustration was at an all time high. Then the fallout of the sequester began to take shape.

One of the worst impacts of the sequester was the elimination of the Tuition Assistant (TA) Program for the United States Military. Separate from the G.I. Bill, the TA program provided up to $4,500 per year for active duty soldiers to take classes. Over 870,000 courses were taken last year by soldiers in this very popular program.

Needless to say the outcry was quick, and powerful.

The military was in a fury over this, and the general public was also rightly outraged. How are we showing support to our military if we cut the funding necessary for them to further their education?

Where Do We Go From Here?

Not even 3 full weeks later, and Sen. Kay Hagan from North Carolina passed a continuing resolution through the Senate that reinstated the Tuition Assistant program for active duty military under the Department of Defense.

So the program is back on, and soldiers can continue taking their courses.

What can we learn from all of this?

  • It’s best to have a back up plan! 
  • Diversification is key
  • Financial Aid can be fickle

How New College Graduates Can Avoid Debt

For the majority of college students around the country Graduation just happened. At the school I work at, we just released 2600 newly minted students to the world to seek their fortunes. This is a scary time for most graduates. Entering the work force in the current economic climate is daunting, and they are faced with odds that are already stacked against them. And unfortunately, not a single one of those college classes taught them how to get out of debt.

Fortunately, there are specific steps that new college graduates can take to avoid falling into the consumer debt trap that so many of their fellow students find themselves in.

Continue your college lifestyle for as long as possible!

There is no shame in this, and the stigma of living on ramien noodles and single ply toilet paper is rapidly receding. In fact, I would say that adults who are long removed from their college years are increasingly moving back towards their “college spending” days to save money and avoid falling further into debt.

In college, you don’t need “stuff” because you have friends and real human relationships to occupy your time as opposed to china patterns and big screen tv’s. By avoiding the trap of lifestyle inflation as soon as you get a job, you will be able to establish a firm foundation, start paying off your student loans, establish an emergency fund, and even set aside money for your future (spouse, marriage, kids, house, new car, travel). Setting a plan, and understanding the downside of falling into lifestyle inflation will help you avoid these common mistakes.

Make a Savings/Spending Plan

One of the best pieces of financial advice my parents ever gave me was to set a strict budget and keep to it. Having a firm grasp of your budget and income needs will tell you very quickly the lifestyle you can expect to have.

In fact, if you have a Stafford Student Loan, you will be required to complete exit loan counseling when you graduate, and you will have the opportunity to create your first sample budget in that counseling session.

Understanding that a high income is got a right granted upon graduation will help you face reality, and plan accordingly. Sticking to your savings and spending plan, will help you keep that vision in check.

Scholarship of the Day: Healthy Lifestyles Scholarship

Scholarship of the Day

 

Award: $5000 

 

Deadline: May 30, 2012

The Healthy Lifestyles Scholarship is open to high school seniors and first-year college students. You must be a citizen of the U.S. or Canada and be under 25 years of age to be eligible for this award. You must also submit a maximum 1000-word essay on the following topic: “Why is a healthy lifestyle important in school?”; and in under 500 words, describe your career plans, goals, and personal ambitions.

Read here to learn How to Apply for Scholarships Effectively.

[button link=”http://www.fitnessexercises.tv/scholarships.php” type=”big” color=”orange” newwindow=”yes”] Apply Now[/button]

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How to Apply:

There is no Formal Scholarship Application. To apply for the Healthy Lifestyles Scholarship, please write your scholarship essay in Microsoft Word or, if you do not have Microsoft Word, in Google office, the latter is free to use on the Internet. After you are finished the writing process, please attach it to an email and send it to: studentaward@fitnessexercises.tv. If you have any questions or concerns, please forward them to Linda Wells (linda.wells@fitnessexercises.tv ).

Previous Winners:
April 2011 – Carmelo Vargas – Texas
December 2010 – Shifang (Stephan) Cheong – California
May 2010 – Elizabeth Maalihan – Florida
December 2009 – Michael Striker – Minnesota

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Awards Available: 1

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Eligibility:

 As of May 30th, 2012, be under 25 years of age.
 Be currently a senior in high school or in your first year of college/university
 Be a resident of the United States or Canada
 Answer the following essay questions:
1) In under 1,000 words: “Why is a healthy lifestyle important in school?”
2) In under 500 words: Describe your career plans, goals, and personal ambitions

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Website: http://www.fitnessexercises.tv/scholarships.php

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Additional Information:

The $5000 award will be presented to the student who provides the most comprehensive answers to the two questions.

You could also win an additional scholarship.Win $1000 by taking part in Thepensters Writing Contest for college students.

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[button link=”http://www.fitnessexercises.tv/scholarships.php” type=”big” color=”orange” newwindow=”yes”] Apply Now[/button]

Scholarship of the Day: Copyright Awareness Scholarship

Scholarship of the Day

 

Award: $5000 , $3000, and $2000

 

Deadline: May 1, 2012

The Copyright Awareness Scholarship is available to students between the ages of 13 and 25. To be considered, you must creatively present your viewpoint on the importance of intellectual property and copyright law. Entries must include a multi-media component, which can be one or all of the following: audio, video, or PowerPoint files. All audio, video, PDFs, and PowerPoint files must be saved to a CD or DVD and mailed in with the entry form. Audio and video projects should be under five minutes in length.

[button link=”http://www.mpa.org/content/2012-copyright-awareness-scholarship” type=”big” color=”orange” newwindow=”yes”] Apply Now[/button]

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How to Apply:

HOW TO ENTER: To enter, beginning December 1, 2011, go to www.mpa.org or www.nafme.org and follow the instructions for completing the Application and uploading your Submission. Applications must be submitted by Tuesday, May 1 no later than 11:59 PM EST.

Limit one (1) Application and Submission per person.  Written, pictorial, audio or video responses that are obscene, pornographic, defamatory or otherwise objectionable will be disqualified. All Applications and Submissions become the property of the Sponsor and will not be returned. Sponsor assumes no responsibility for lost, late, misdirected, or unintelligible entries. By submitting an Application and Submission, you fully and unconditionally accept and agree to these Official Rules and the decisions of the Sponsor, which are final and binding.

NAFME is looking for students to creatively present their viewpoints, in VIDEO format, on The Importance of Intellectual Property and Copyright Law. All submissions must consist primarily of original material. If a submission contains copyrighted material (e.g., a song, a video clip) owned by another party, please submit evidence of permission to use that material. Submissions that contain copyrighted material but which do not include such evidence of permission to use that material will be automatically disqualified.

Videos should be in .mp4, .m4v, mov, or .wmv formats. Other formats will not be accepted. Videos should be between thirty (30) seconds and three (3) minutes. Per the application form, videos should be 20MB or less. NOTE: the online application form will not allow any file larger than 20MB.

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Awards Available: 3

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Eligibility:

The NAfME Copyright Awareness Scholarship Program Sponsored by the MPA for 2012 (the “Scholarship Program”) is open only to those legal residents of the fifty (50) United States and the District of Columbia and individuals currently studying in one of the fifty (50) United States and the District of Columbia pursuant to a valid F-1 Student Visa who are between thirteen (13) and twenty-five (25) years of age at the time of application and who are currently enrolled in an accredited secondary school or post-secondary institution of higher learning (college, university or trade school). Students must supply contact of school official so that enrollment can be confirmed.

Current employees, officers, directors and agents of Sponsor and their immediate family members (defined as spouse, domestic partner, parents, siblings and children) are not eligible to win.

_________________________________________________________________________________________________

Website: http://www.mpa.org/content/2012-copyright-awareness-scholarship

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Additional Information:

SELECTION OF POTENTIAL WINNERS: Sponsor is looking for Submissions that are well-constructed and clearly and creatively address the topic. On or about May 15, 2012, a qualified panel of judges will select three (3) potential winners. All applicants will be notified of their status via email.

4. PUBLICITY: By submitting an Application and Submission, Applicant (or, if a minor, his/her parent or legal guardian) agrees that Sponsor may, without any limitation or further compensation or notice, use his or her name, voice and/or likeness in any and all media, worldwide, for the purpose of advertising and promoting the Website, the Sponsor, the Scholarship Program, or any other promotion, contest or sweepstakes of the Sponsor.

5. OWNERSHIP: By submitting an Application and Submission, Applicant (or, if a minor, his/her parent or legal guardian) assigns to Sponsor the material submitted, including the worldwide copyright and any extensions, renewals, revivals, reversions and restorations thereof.  Applicant agrees that Sponsor and its designees may exploit, edit, modify, and distribute the Submission and all elements of it in any and all media now known or not currently known, throughout the world in perpetuity without compensation, permission or notification to Applicant or any third party.

6. REPRESENTATIONS AND WARRANTIES/INDEMNIFICATION: Each person who enters this Scholarship Program represents and warrants to Sponsor as follows: (i) the Application and Submission, including any written, pictorial, audio and/or video content are the Applicant’s own original, previously unpublished, and previously unproduced work (except for any copyrighted material owned by third parties as to which all necessary permission to use such material has been obtained) and, as of the date of submission, are not the subject of any actual or threatened litigation or claim; (ii) the Application and Submission, including any written, pictorial, audio and/or video content, neither infringes upon nor violates the intellectual property rights or other rights of any other person or entity; (iii) the Application and Submission, including any written, pictorial, audio, and/or video content, does not and will not violate any applicable laws, and meets the Official Rules set forth herein. Each Applicant hereby agrees to indemnify and hold the Sponsor harmless from and against any and all third party claims, actions or proceedings of any kind and from any and all damages, liabilities, costs and expenses relating to or arising out of any breach or alleged breach of any of the warranties, representations or agreements of Applicant hereunder.

7. NO OBLIGATION TO USE: Sponsor shall have no obligation (express or implied) to use any winning Submission, or to otherwise exploit a winning Submission or continue the development, production, distribution or exploitation thereof, and Sponsor may at any time abandon the use of the winning Submission for any reason, with or without legal justification or excuse, and the Scholarship prize recipients shall not be entitled to any damages or other relief by reason thereof.

8. LIST OF SCHOLARSHIP PRIZE RECIPIENTS: The names of the Scholarship prize recipients and their winning Submissions may be posted on Sponsor’s Websites.

9. SPONSOR: The NAFME Copyright Awareness Scholarship is sponsored by The Music Publishers Association of the United States and the National Association for Music Education (NAFME).

Questions regarding the Scholarship may be directed to scholarship@mpa.org.

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[button link=”http://www.mpa.org/content/2012-copyright-awareness-scholarship” type=”big” color=”orange” newwindow=”yes”] Apply Now[/button]

Money for College Project Weekly Roundup: March Madness

For all of my fellow college basketball fans, we are entering our favorite time of the year: March Madness!

I love nothing more than sitting in front of the tv for hours on end watching all of the drama and suspense unfold. Who needs reality tv!

Unfortunately, my Alma Mater won’t make it into the big dance this year, but I still plan to watch as much of the tournament as possible. I’m a little jealous of Jeff at Sustainable Life; I believe he is actually going to watch some games live this year! Maybe some day…

Even if you are not a big college basketball fan, I think there is still some awesome information that can be learned from the following articles. Here is what went on at Money for College Project as well as with my Yakezie friends. Enjoy!

Money for College Project

 

[button link=”https://www.moneyforcollegeproject.com/2012/03/05/my-family-financial-fitness-day/” color=”red”] Family Financial Fitness Day[/button]

 

 

[button link=”https://www.moneyforcollegeproject.com/2012/03/06/how-higher-education-helps-the-economy/” color=”red”] Higher Ed Helps the Economy[/button]

 

 

[button link=”https://www.moneyforcollegeproject.com/2012/03/07/scholarship-of-the-day-odenza-marketing-scholarship/” color=”red”] Odenza Marketing Scholarship[/button]

 

 

 

Yakezie Friends

 

[button link=”http://sustainablelifeblog.com/2012/03/07/tenets-of-sustainability-reuse/” color=”green”] Sustainable Life – Tenets of Sustainability[/button]

 

 

[button link=”http://www.stocktrendinvesting.com/blog/get-stock-investing-information-your-mobile” color=”green”] Stock Trend Investing – Mobile Stock Investing[/button]

 

 

[button link=”http://www.pennypinchingprofessional.com/2012/02/drowning-in-sea-of-thesis-edits.html” color=”green”] Penny Pinching Pro – Thesis Edits[/button]

 

 

[button link=”http://www.fiscalphoenix.com/fundamentals-put-the-fun-in-investing/” color=”green”]Fiscal Phoenix –  Fun in Investing[/button]

 

 

[button link=”http://www.mightybargainhunter.com/2012/03/09/why-credit-elect-tax-refund/” color=”green”] Mighty Bargain Hunter  – Uncle Sam Keeps Refunds?[/button]

 

 

[button link=”http://moneycactus.com/hyperbolic-discounting/” color=”green”] Money Cactus – Hyperbolic Discounting[/button]

 

 

[button link=”http://www.roshawnwatson.com/are-there-any-safe-investments-anymore/” color=”green”] Roshawn Watson – Safe investments?[/button]

 

 

[button link=”http://brokeprofessionals.com/2012/03/05/our-house-on-the-market-month-one/” color=”green”] Broke Professionals – House on the Market[/button]

 

 

[button link=”http://erinshanendoah.com/dogatemywallet/?p=474″ color=”green”] Dog Ate my Wallet – Budgets…[/button]

 

 

How Higher Education Helps the Economy

How Higher Education Helps the Economy

Another great infographic from our friends over at Online Universities Resource.

The main metric in this infographic is Return on Investment or ROI. They used a recent study by PayScale to determine which colleges had the best ROI. This means that based on the amount you would have to pay for tuition, your ROI is the amount of financial reward that you would receive in return for your education. Translation? How good of a job you can get and keep over the course of your career!

We’ve talked before about how your job prospects and the ability to earn a competitive wage are the new standard for colleges and universities. When you sink $100,000 into your college education and then end up with no job prospects and student loan bills that you cannot pay, you not only hurt yourself but you become a drain on society and our government. Avoiding this at all cost should be your goal. You can do this by spending as little as possible on your college education, by finding the best job possible, or by doing both and keeping all of your options open.

The chart at the bottom is also very interesting. It looks at the current unemployment rates in America and the corresponding majors that those unemployed folks pursued while in college. Architecture and the Arts have taken a beating in recent years. Always good to think about these things before deciding what your major in college will be!

My Family Financial Fitness Day

financial ftness day

This past Saturday was my annual Financial Fitness Day.

I started doing this a few years ago on a recommendation from a family friend who said that he had been doing this for the last 30 years. The concept makes perfect sense to me: a day set aside for nothing but taking care of updating, rebalancing, changing, analyzing all of your financial data and positions.

The finances of one family can become very complicated very quickly. When you factor in insurance, mortgage (or rent) payments, retirement, savings, utility bills, college savings, and taxes, it quickly becomes apparent that you could use a virtual assistant to help you keep track of your finances.

Rather than hiring someone else to handle my finances for my family, I take one day out of the year where I completely devote myself to optimizing our finances. My wife is happy to let me go for one day to focus 100% on getting our finances in order for the next year. Here are a few things that I was able to accomplish in the most recent addition of my finncial fitness day.

Researching Our Insurance Premiums

We pay a lot of money in insurance every year. We pay insurance on our cars, on our home (we used to even pay insurance on our mortgage, but thankfully that is done), on ourselves, on our life, on our business liability and equipment, and even a special jewelry policy for my wife’s engagement ring.

My task with all of the various insurance policies that we have is to research quotes and compare coverages for every policy. This ensures that we are getting the most coverage for the best price. In some areas, we are willing to pay less of a premium for less coverage 9pr a higher deductible) and in other instances, we need to pay a higher premium and have a lower deductible.

The main change that I made this year is to research how our health insurance will change when we bring our adopted child home. I had to contact my insurance provider to ensure I understood the process for adding a child to our policy, and to ensure that I completed the forms within their deadlines to ensure our baby’s medical bills were covered in the hospital.

That was the only major change in insurance that I made this year.

Rebalancing Our Portfolio

This task this year was fun. In the past, this has not been so fun. Reason being? It’s no fun to rebalance a portfolio when that portfolio lost money. This year however, we managed a 9$ increase over the previous year. Our retirement portfolio is roughly 70% in a 2055 target date index fund, and 30% in a small cap business fund. The small cap fund had growth of about 18% this past year, so I took a portion of those funds and moved them over to the target date fund to get back down to our 70% – 30% split.

Rebalancing does not have to be difficult. We have used index funds for years now, and I have enjoyed their ease of use, and their low cost. I highly recommend them.

Updating my Credit Card on Auto-Billpay

My credit card expired in February, and I had to go through and update every auto-billpay account that I use to ensure that all of the payments went through. All but 2 of our monthly bills route through our credit card so this makes it very easy to pay bills every month, but quite a headache to update the credit card on every account. This took me about 3 hours, since I had to remember the login and password for every single bill (and most of them had expired!!).

Projected Taxes for 2012

The last major task that I accomplished in my family financial fitness day was to project our taxes for 2012. We just received our taxes back from our CPA for 2011, and I needed to evaluate what changes we could make this year to lower the amount of taxes we paid. This was the first year we had a business (my wife’s photography business) so our taxes were a bit more complicated than usual.

I also worked on updating our profit and loss statement for our business and our expense report for our business tax purposes. Making this a priority now will help us be much more organized come tax time again next year.

Do you have a family financial fitness day?

What tasks do you accomplish on a day like this ?

Photo Credit

Scholarship of the Day: Big Dig Scholarship

Scholarship of the Day

 

Award: $3,000

 

Deadline: June 01, 2012

 

The Big Dig Scholarship is available to high school seniors, and college freshmen and sophomores. To be considered, you must submit an essay between 500 and 1000 words that addresses the following issue: “In 200 years, one of your relatives is going to be digging in what is now your backyard. They are going to find something that you buried in 2012, and it is going to put any financial worries they have to rest. Your job today is to decide what to bury. Your goal is to find something that will have immense value in the future.”

[button link=”http://www.antiquetrader.tv/studentscholarship.php” type=”big” color=”orange” newwindow=”yes”] Apply Now[/button]

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How to Apply:

__________________________________________________________________________________________________

Awards Available: 1

__________________________________________________________________________________________________

Eligibility:


_________________________________________________________________________________________________

Website: http://www.antiquetrader.tv/studentscholarship.php

__________________________________________________________________________________________________

Additional Information:

Please include on the top of your Scholarship Essay the following:

Name:
High School:
High School or College/University* Mailing Address:

*Note College/University students need to provide the mailing address to the financial aid or admissions office. The information provided will not be shared with any third party. Please review our Privacy Policy for more information.

Scholarship Award Selection:

The winner will be selected and notified by July 15, 2012. The award will be mailed directly to the students high school or college/university.

Scholarship Questions:

Please direct any questions concerning the scholarship to Henry at: henryk@antiquetrader.tv.

June 1, 2011 Winner: Steven Garcia of Houston, Texas

December 3, 2010 Winner: Calvin Cheung of Anaheim, California

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[button link=”http://www.antiquetrader.tv/studentscholarship.php” type=”big” color=”orange” newwindow=”yes”] Apply Now[/button]

Money for College Project Weekly Roundup: Norovirus Edition

So this past week has been fun (read: one of the most painful weeks of my life…)

Not sure how or from where, but I managed to contract the Norovirus. From the Center for Disease Control:

[box] Noroviruses (genus Norovirus, family Caliciviridae) are a group of related, single-stranded RNA, non-enveloped viruses that cause acute gastroenteritis in humans. The most common symptoms of acute gastroenteritis are diarrhea, vomiting, and stomach pain. Norovirus is the official genus name for the group of viruses previously described as “Norwalk-like viruses” (NLV). Noroviruses spread from person to person, through contaminated food or water, and by touching contaminated surfaces. Norovirus is recognized as the leading cause of foodborne-disease outbreaks in the United States. Outbreaks can happen to people of all ages and in a variety of settings. Read more about it using the following links.[/box]

This lovely little virus had me in the bathroom for 5 days straight. No food, no water, no sanity.

It has not been a pleasant experience, and I don’t wish it upon anyone.

Thankfully, I do feel much better today, and am well enough to start working on my pile of email and writing more blog posts. It’ weeks like this where I am very thankful to have had a few posts already written and tucked away for safe keeping.

On a happier note, here is what went on at Money for College Project and Yakezie this week!

Money for College Project

 

[button link=”https://www.moneyforcollegeproject.com/2012/02/22/financial-aid-for-older-students/” color=”red”] Financial Aid Older Students[/button]

 

 

[button link=”https://www.moneyforcollegeproject.com/2012/02/23/5-ways-to-make-extra-money-for-college/” color=”red”] Make Extra Money for College[/button]

 

 

 

Yakezie Friends

 

[button link=”http://sustainablelifeblog.com/2012/02/22/tenets-of-sustainability-series/” color=”green”] Sustainable Life – Tenets of Sustainability[/button]

 

 

[button link=”http://www.stocktrendinvesting.com/blog/what-stock-trend-investing-20-simple-sentences” color=”green”] Stock Trend Investing – What is Stock Trend?[/button]

 

 

[button link=”http://www.pennypinchingprofessional.com/2012/02/drowning-in-sea-of-thesis-edits.html” color=”green”] Penny Pinching Pro – Thesis Edits[/button]

 

 

[button link=”http://www.fiscalphoenix.com/dollar-cost-averaging-and-long-term-investing/” color=”green”]Fiscal Phoenix –  Long Term Investing[/button]

 

 

[button link=”http://www.mightybargainhunter.com/2012/02/16/the-joy-and-relief-of-giving-things-away/” color=”green”] Mighty Bargain Hunter  – Giving Things Away[/button]

 

 

[button link=”http://moneycactus.com/rewarding-your-diy-efforts/” color=”green”] Money Cactus – Rewarding Your DIY Efforts[/button]

 

 

[button link=”http://www.roshawnwatson.com/2012/02/how-to-see-bright-financial-future.html” color=”green”] Roshawn Watson – Bright Financial Future[/button]

 

 

[button link=”http://brokeprofessionals.com/2012/02/22/i-hate-tax-prep-time/” color=”green”] Broke Professionals – Tax Prep Time[/button]

 

 

[button link=”http://erinshanendoah.com/dogatemywallet/?p=426″ color=”green”] Dog Ate my Wallet – Forced to Use Comcast[/button]