Biz Buzz

November 2017

Wednesday, November 15th, 2017

College Connect: Navigating housing and renting issues as a college student

By Morgan Brown Amari Tillman is a 19-year-old second-year undergraduate at the University of Georgia. Midway through her sophomore year, the safe path she had travelled by living on campus split in front of her. Should she finally leave the campus and dive into apartment life, or should she continue enjoying the benefits of living and studying in the same place? “For starters, there’s ...[Read More]
Wednesday, November 15th, 2017

College Connect: Financial planning and millennials

By Steffenie Burns Millennials have been criticized for being egocentric, easily distracted, unmotivated to work and frivolous with their finances. While some in the older generations may still believe such negative stereotypes about millennials, research has indicated otherwise about their financial habits. “More and more millennials are finally earning and spending serious money. But millennials’ ...[Read More]
Wednesday, November 15th, 2017

College Connect: College students should start building credit sooner rather than later

By Zachary Hansen Going off to college creates a lot of new freedoms for the average student. With this increased independence also come extra responsibilities that weren’t present before. Among these, managing debt can be one of the most challenging. While the 2009 CARD Act banned issuing credit cards to anyone under 21, many students still end up with some form of credit card debt before ...[Read More]
Wednesday, November 15th, 2017

College Connect: Credit cards: what students should know

By Becky Burgess Credit cards can be intimidating for students, especially since many of us don’t know how to manage and maintain them. For senior Sociology major Noga Baruch at the University of Georgia, a credit card was the first step for establishing credit before graduating college. But she said spending and paying back the money can prove difficult. "Whenever I have really large amounts ...[Read More]
Wednesday, November 15th, 2017

College Connect: Student loans: burden or investment in the future?

By Conner Burks Do you, a relative or close friend have student loan debt? Chances are all three hold some outstanding student debt. Student loans are now the second biggest type of debt in America only behind mortgages, but eclipsing credit cards. According to Forbes, more than 44 million people in the U.S. have outstanding student loans totaling $1.3 trillion. The average student in the class ...[Read More]
Wednesday, November 15th, 2017

College Connect: Millennials cash in on financial apps, highest saving generation

By Heather Bryan Anything from shampoo to a treadmill can be purchased at the touch of a button on a smartphone. It only makes sense money can be managed the same way through an increasing array of mobile apps. People, particularly millennials, use apps for budgeting, spending, investing and pretty much everything in between. In fact, millennials are coming out ahead of past generations when ...[Read More]
Wednesday, November 15th, 2017

College Connect: Coping with student loans

By Kaleigh Galvin When it comes to the infamous juggling act of college life, Andrew Dugan, 21, has been forced to become a master. On top of a full course load, the fourth-year religion student works 25 hours a week on campus to fight the looming reality of student loans, while also maintaining heavy involvement in his local church. “My biggest sacrifice is personal health,” he said. “There ...[Read More]
Wednesday, November 15th, 2017

College Connect: Four things to know before signing a lease

By Savannah McCoy Renting an apartment or house is a milestone in a young adult’s life. It’s typically one of the first steps toward independence. No longer dependent on parents and paying for your own housing is a critical step toward adulthood. Before signing that first lease, however, renters understand their rights and responsibilities. Those obligations go beyond the obvious “you pay ...[Read More]
Wednesday, November 15th, 2017

College Connect: College students need more financial education

By Rakel Johnson College is a place where students learn all kinds of new skills. In addition to learning academically, they are also learning a plethora of life lessons. However, a lot of college students feel they are collectively lacking in one important area that applies to the real world: financial education. Many students still feel ill-prepared to make their own major financial decisions. For ...[Read More]
Wednesday, November 15th, 2017

College Connect: Understanding the tiny house trend

By Rachel Hinkle Ashley Jonasson, an entertainment and media studies student at the University of Georgia, has been interested in tiny houses since they became popular through television shows on HGTV and other networks. She is considering building her own tiny house one day and had a few questions about the tiny house movement and where it is projected to be in the future. Jonasson’s questions ...[Read More]
Wednesday, November 15th, 2017

College Connect: From piggy banks to building personal credit

By Devon Tucker An exciting, but uneasy part of moving into adulthood is the need to become financially independent.  No more allowance or piggy banks. The real world requires one to establish credit, but college students are far more likely to carry only a debit card rather than a credit card, explained Brenda Cude, a consumer economics professor at the University of Georgia. She said students ...[Read More]
Wednesday, November 15th, 2017

College Connect: Budget builders: Advice for those entering, existing in or exiting college

By Josie Wall The average student graduates with over $30,000 of debt as of As of April 2017, according to USA Today. The prospect of such a bill after graduation can deter many from even beginning the process of higher education, but there are ways to plan ahead and stay out of the hole. Matt Goren, an adjunct assistant professor specializing in financial planning, housing and consumer economics ...[Read More]
Wednesday, November 15th, 2017

College Connect: Emergency savings: because it could happen to you

By Kalah Mingo Elizabeth Medlock, a third-year linguistics major at the University of Georgia, walked to her car in her parking deck in Downtown Athens, Ga. She had a yoga class to attend, however, something was wrong. Her car was not in her assigned parking spot. She almost started to panic, but remembered she parked in a “future residents” spot closer to her apartment the night before. Unfortunately, ...[Read More]
Wednesday, November 15th, 2017

College Connect: Budgeting tips for new graduates

By Kelly Miller Life after graduation for college students can mean many things: a change of pace, a chance to explore and a time to discover. However, with that freedom comes great responsibility. College grads are thrown into the “real world,” where training wheels come off, and bills are sent to them instead of their parents. Ashley Casey, a senior at the University of Georgia, is ready ...[Read More]
Wednesday, November 15th, 2017

College Connect: Young people and overcoming the fear of taxes

By Maureen Sheeran Alexa Gilomen, a senior at the University of Georgia said she doesn’t consider her taxes to be “a huge deal” now, but added, “I feel like in the future, it is going to be scary.” Matt Goren, who teaches personal finance in UGA’s College of Family and Consumer Sciences, said students should overcome any fears about taxes by simply jumping in. “Give it a shot,” ...[Read More]
Wednesday, November 15th, 2017

College Connect: Students and the search for housing

By Angelina Lewis Caroline McHam, now a fourth-year consumer economics student, first came to the University of Georgia without knowing anyone, and the quest for housing was a daunting search. A friend of a friend led her to her roommate, Maddie Baker, who has since become a best friend. McHam said Baker had many qualities she looked for in a roommate, and since they were both in the honors program, ...[Read More]
Wednesday, November 15th, 2017

College Connect: Six steps to develop good money habits

By Emily Haney When it comes to personal finances, students typically fall in to one of two categories: seasoned or beginner. J.T. Lynch, a sophomore at the University of Georgia, falls in to the latter category. Lynch said his parents covered only the basics of dealing with money while he was growing up. “It was just pay off your debt and use credit cards for emergencies,” said Lynch. “I ...[Read More]
Wednesday, November 15th, 2017

College Connect: Millennials and urban living

By Katherine Sauceda Recent studies by the U.S. Census Bureau show more millennials are choosing to live in major cities after graduating college rather than suburban areas. These educated millennials’ population in cities has grown by up to 78 percent within the past few years, according to a Forbes report. Lexus Marion, a third year marketing major student at the University of Georgia, says ...[Read More]
Wednesday, November 15th, 2017

College Connect: The psychology of money

By Kristin M. Bradshaw Following the turn of their first tassels, graduated high school seniors enter the collegiate world wide-eyed and inspired by their new-found independence. While some have the soft cushion of their parents’ savings accounts, others with fewer resources find the move stressful. Research has found the state of one’s mind is directly correlated with the state of one’s ...[Read More]
Wednesday, November 15th, 2017

College Connect: Climb your way out of credit card debt

By Mary Grace Heath Credit cards can be a great tool to have in college. They can help you develop good spending habits, earn rewards and build your own credit history, which will be important if you want to buy a house one day. But credit cards can also become a dangerous burden if they are used incorrectly, leaving students in major debt. Sometimes students don’t recognize the consequences ...[Read More]
Monday, November 6th, 2017

College Connect: Earning money from a job that pays other dividends

By Ron Davis I’ve put in countless hours at the journalism school over the past few years. I am now in my final semester of college, still putting in those same hours, but now getting paid for it. Following a strong semester, I impressed my professor enough that he offered me a position to be his lone undergraduate teaching assistant. When I initially accepted, my thought process was that I ...[Read More]
Monday, November 6th, 2017

College Connect: Making sure you earn your own good credit

By Ron Davis Before my sophomore year of college, my dad gave a credit card that was to be used strictly for emergencies. The problem was, the card had my name on it, but wasn’t linked to my social security account, but to his, rather. It did nothing for my credit score. I justified a few emergencies, which I got yelled at for, deservingly so, in retrospect. So, we came up with a solution: ...[Read More]
Friday, November 3rd, 2017

College Connect: Treat your self! Retail therapy to match a college kid’s bank account

By Natalia Amandari We’ve all had that moment. You see something nice in the store. Or maybe it’s a pricier drink at the coffee shop. You think to yourself:  No, I shouldn’t. I’d be better off saving that money… But then another thought creeps into your head…I just did well on my last exam, so it’s time to…Treat yourself! Made popular by the TV show, “Parks and Recreation” ...[Read More]
Friday, November 3rd, 2017

College Connect: Eating healthy on a college student’s budget

By Natalia Almandari For most college students, living on your own for the first time also means cooking and grocery shopping on your own. Between classes, work and friends, it can be easy to resort to eating out every day or whipping up a quick bowl of ramen noodles. Even eat at fast food places can mean you are spending $25 or more on food per day! Multiply that times 30 days, and it can top $750 ...[Read More]
Wednesday, November 1st, 2017

College Connect: Tackle the high cost of college with parents as partners

By John Messer Finances in college have been a rollercoaster so far.  Actually, it’s more like juggling dynamite which may or may not be lit while riding a rollercoaster and Iron Maiden is blasting at top volume.  Between housing, food expenses, tuition, considerations for studying abroad, etc, and etc, the only positive emotion I feel is abject amazement that it’s working out as well as it ...[Read More]
Wednesday, November 1st, 2017

College Connect: Decisions, decisions, decisions: How to pick among multiple job offers

By Carolyn Heger The recruiting season for many majors is in full swing this month, with company recruiters visiting college campuses to encourage seniors to apply for their jobs. There is a significant amount of stress involved in networking with representatives from different firms, submitting job applications and interviewing for various positions. However, your level of anxiety might increase ...[Read More]
Wednesday, November 1st, 2017

College Connect: Saving for retirement early: Why It matters and how to do it

By Carolyn Heger When I was in high school, my grandfather frequently stressed to me that I should begin saving for my retirement early. Back then, putting money aside for me to spend when I would be in my 60s and beyond was not at the forefront of my mind. I was focused on applying to colleges at that time, not on whether I would have enough money to live comfortably once I would stop working. Nearly ...[Read More]
Wednesday, November 1st, 2017

College Connect: Planning and Restraint Help Me Make It On My Own

By Michael Boyer I have been managing my own finances since I was about 15. This was never a huge issue until I came to college. In high school, I could count on one hand the number of times my parents gave me money for something. I didn’t ask, and they didn’t have anything to give me. I knew they had their own money problems. Fortunately, I earned enough from various jobs – from lifeguarding ...[Read More]

October 2017

Thursday, October 5th, 2017

College Connect: Saving even while a student

By Veronica Graff For most, college is about embracing bankruptcy and finding peace within the fact that you’re simply broke – that was quite the wake-up call. Spending money is like gaining weight, it’s definitely noticeable, and the proof is in your bank account, but for some reason you don’t make the connection that those smoothies or juice cleanses and even those shoes that you had to ...[Read More]
Thursday, October 5th, 2017

College Connect: From student to adult (gulp!)

By Sydney Maki College is hard on your bank account. The fiscal responsibilities you’ll have after graduation hit even harder. This summer was my last as a student, and as financial aid dispersal season loomed close, I wondered what my life could look like in another 12 months. No more would I be able to craft a formula of savings and paychecks minus rent, utilities, textbooks and groceries ...[Read More]
Thursday, October 5th, 2017

College Connect: Savvy parents lead by example

By Mitchell Atencio When I was 10-years-old my family and I moved into a new house. We moved from a medium-sized suburban house in Chandler, Arizona to a custom home in south Gilbert. First off, I recognize the privilege in this, I wouldn’t feel right writing this if I didn’t acknowledge that. But, that’s not the point of this. The point is finances and saving and the lessons learned. While ...[Read More]
Thursday, October 5th, 2017

College Connect: New city and new budget

By Kara Carlson Over the summer I had the opportunity to intern in Seattle, and explore a new city I had no familiarity with. Living in a new, big, and expensive city all summer completely on my own made me really see money and budgeting in a new way. Being in a new city, I naturally wanted to take in as much of the sites, tourist attractions, local food and of course Seattle coffee as possible. ...[Read More]
Thursday, October 5th, 2017

College Connect: Early credit training pays off

By Joe Gilmore I learned at a very young age how important credit is. My parents opened up a bank account for me when I was still in elementary school or junior high. I got my first credit card in high school. Since then, I have been using it to build up my credit score so that when I need to take a loan the interest rate will be acceptable. I have a lot of friends whose credit scores are in the ...[Read More]
Thursday, October 5th, 2017

College Connect: Tackling student loans and credit

By Jimmie Jackson For a first-time college student, it can be hard to figure everything out financially. You have to fill out the FAFSA in order to be offered scholarship, loan, or grant options. I filled out the FAFSA for my first year of undergrad at the University of Illinois. This was my first time having to know all about interest rates and such. At the time I qualified for subsidized loans ...[Read More]
Thursday, October 5th, 2017

College Connect: Bargaining in Thailand

By Gabriel Sandler “Two paintings for 1200 baht” “I can’t do 1200, you have to go lower than that.” In a small art booth in Chiang Mai, Thailand, as it rained outside and my friends wandered away down the market street, I decided to stay and haggle. This is how I started. I wanted two paintings: one blue and black, an ethereal river town at night, the other black and orange and yellow, ...[Read More]
Thursday, October 5th, 2017

College Connect: Saving in school, saving on your own

By Ethan Millman Over the past few years as a college student, like almost any other student, I’ve had to become more frugal. As a first semester freshman, I didn’t hesitate to go to every dinner, movie or other social event to attempt to solidify the friendships I’d always heard would be the most important of my life. And for the first few months of college, I lived like this with ...[Read More]
Thursday, October 5th, 2017

College Connect: The little things add up

By Courtney Beesch My first set of consistent paychecks began when I was 15-years-old, working as a hostess for a local food joint. After finishing my school day, I’d wipe down menus, seat families, and make sure there were enough crayons for children accompanying their parents. I didn’t need the extra cash, but I felt a sense of pride in knowing that the money I did spend came from my own pocket. Back ...[Read More]
Thursday, October 5th, 2017

College Connect: Still a lot to learn about money

By Arren Kimbel-Sannit I thought long about how I could best illustrate the impact of money or finances in my life. I thought I might write about financial hardship, about paychecks getting stuck in the mail, or stipends getting delayed, and having to eat bread and peanut butter for a week. I thought I might write about moving to Washington, D.C. for a semester, where food is more expensive ...[Read More]
Thursday, October 5th, 2017

College Connect: Money’s Pros and Cons

By Andrew Wei This summer I got a speeding ticket. I wasn’t going as fast as they said I was but I guess everyone says that. Without a doubt, it was a new experience. I’ve been pulled over before, but I don’t think anybody gets used to seeing the red and blue lights flicker on behind them. This was about the middle of June. I figured I should be able to take care of things like this by ...[Read More]
Thursday, October 5th, 2017

College Connect: Saving is NOT over-rated

By Andres Guerra Luz Some people have to live paycheck-to-paycheck, but for me, I did it because I was dumb. It was my freshman year of college and I was a student worker at Arizona State University, where I study journalism. At my job, pay was good. It came every two weeks, so I had to make sure not to blow my whole paycheck in one week. In hindsight though, I realized I should have extended ...[Read More]
Wednesday, October 4th, 2017

College Connect: Starting a mortgage while in college

By Erdenetungalag Erdenekhuyag I am a student at University of Missouri who already have a mortgage. A home is typically the largest purchase for almost every student. The average home sale price in the U.S. is more than $300,000, according to the recent research conducted by St. Louis Federal Reserve Bank. That's a lot of money for anyone, but especially for someone who may be paying for college ...[Read More]
Wednesday, October 4th, 2017

College Connect: How to avoid from the exchange rate stress

By Erdenetungalag Erdenekhuyag This is my second year at University of Missouri (MU) and I am from Mongolia where one US dollar equals to 2500 tugrug, the Mongolian national currency. Since I came to the US, just in a year, the Mongolian Tugrug depreciated in value by 17 percent relative to the US dollar. This means all my costs here increased while my parent’s income remains unchanged in Mongolian ...[Read More]
Tuesday, October 3rd, 2017

College Connect: Saving money on things of short-term value

By Abby Ivory-Ganja College students buy a lot of stuff – and often they don’t use it very long. You might need something for the dorm, but different for an apartment. Tastes (and fads) change. We've all bought something and then kind of regretted it. Whether it's a book or piece of clothing, you aren't getting full value from the item anymore. There are a few ways I've found to recover some ...[Read More]
Tuesday, October 3rd, 2017

College Connect: Students can save money while eating out

By Abby Ivory-Ganja As a college student, it’stempting to eat out. In fact, some near-campus restaurants take our student meal charge, so it’s even encouraged. If you aren't careful, you'll end up spending more than you realize on food. Lunch can cost $10, and diners about $20. That can really add up. In fact, college students spend most of their discretionary income on food. Students spend ...[Read More]
Tuesday, October 3rd, 2017

College Connect: Troubled in managing your financial accounts? These mobile apps may help.

By Huiqi Xu An international student may have many accounts. I’ve found it difficult to manage my accounts as well as credit cards. Using an app on your smartphone or tablet is one way to put everything in one place. I found these which might be helpful: 1. Clarity Money: I started using this app three months ago when my favorite financial management app “Prosper Daily” was disconnected. ...[Read More]
Tuesday, October 3rd, 2017

College Connect: How to increase credit scores as an international student

By Huiqi Xu Most international students have this problem – how to build credit in the United States when they are starting from zero? It was once a problem to me when I first came to the U.S. But luckily, I found an efficient way to increase credit scores within one year. The three credit agencies, TransUnion, Equifax and Experian begin to calculate a score when you receive a US Social ...[Read More]

September 2017

Friday, September 29th, 2017

College Connect: Maintaining a healthy credit score in college

By Emma Diltz Credit cards are a necessary evil, and it is better to start young to boost credit. It’s difficult to purchase a house or a car without showing fiscal responsibility. But, many young people, and even some matured adults get some level of anxiety when thinking about spending money they might not have. Tip: One reason start early is that a part of your scores relates to “age” ...[Read More]
Wednesday, September 27th, 2017

College Connect: Learning about the “B” word – budgeting!

By Emma Diltz Budgeting is never easy, and it only gets harder by being a college student. Grocery shopping day becomes a necessary evil and a point of stress. But it doesn’t have to be that way. There are ways to manage your budget while still being capable to purchasing what you want and need from the store. The best way to start is by tracking how much you normally spend on what you want ...[Read More]
Wednesday, September 27th, 2017

College Connect: Be prepared when you consider post-college move to NYC

By Kouichi Shirayangi Many college students aim to work in New York City after graduation. The searching can be daunting --- weighing neighbors, commute time, cost and safety. You may have heard that New York is a very expensive city. That’s because it is. The current Governor of New York ran his campaign against a candidate named Jimmy McMillian who created his own “The rent is too damn ...[Read More]
Wednesday, September 27th, 2017

College Connect: For many college students, school combines with parenthood

By Kouichi Shirayangi Nothing can be more satisfying (and thrilling!) than introducing a new life into the world. Yet being a first-time parent can be daunting, especially when considering the cost of raising a new infant. Add to that the stress finding out a baby is on the way just after getting handed by Masters in Journalism diploma. We had to juggle moving, finding jobs and preparing for our ...[Read More]

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