Biz Buzz

June 2016

Tuesday, June 28th, 2016

College Connect: Credit Cards: What To Know and Watch Out For

By Alex Ring With the laundry list of other responsibilities that flood into the life of a college student credit cards can be a double-edged sword that solidifies adulthood and can pave the way for future but it should not be taken lightly. Credit cards play to one of the most important needs of a consumer, convenience. The basis for credit cards originated in the early 1900’s and resembled ...[Read More]
Tuesday, June 28th, 2016

College Connect: Starting in college – measured spending and saving

By Alex Ring We learned in Econ 1010, that money is defined as a medium of exchange, a unit of account, and lastly, a store of value. As the school year, approaches I begin to understand that last part -- the practical job of money. A store of value means that when you transfer purchasing power from the present to the future and when done correctly can keep all other aspects of personal finance ...[Read More]

March 2016

Wednesday, March 23rd, 2016

College Connect: Saving money

By Larissa Garza Spending cash is a lot easier when you aren’t looking forward to a paycheck every week. As a server and bartender, most of the time my paychecks are about $20. However, after every night I get to walk away with the money I made that night. It’s the perfect job for a college student because you are able to pick up more shifts and walk away with the money you need when you’re ...[Read More]
Friday, March 11th, 2016

College Connect: Wants versus needs; a lesson learned

By Lindsey Wisniewski For as long as I can remember, my parents warned me about the dangers of money. Before I was of legal age to obtain credit, my mom and dad, who were divorced since I was 12, had a combined four bankruptcies between the two of them. In other words, they didn’t know how to handle money properly. So when I was finally able to obtain employment, my parents cut me off. No, I wasn’t ...[Read More]

February 2016

Monday, February 29th, 2016

College Connect: One financial regret

By Hilary Davis I don't have many regrets in life. I don't like to be haunted by "what ifs." But if I could turn back the clock, I would start saving for retirement from my first paycheck. When I completed my undergrad and entered the professional working world in 2006, my 401k was the furthest thing from my mind. Retirement is for old people. I was 26. I was young, and was always going to be young, ...[Read More]
Monday, February 29th, 2016

College Connect: Dump the cable bill

By Krandall Brantley Several times throughout my first 3 years of college, my mother kept saying she was planning on getting rid of cable because my parents were paying too much for a bunch of channels they didn't use. I knew she wasn't a big fan of cable, but I didn't expect it to actually happen. I was on my way home for spring break junior year of college and I planned on relaxing on the couch ...[Read More]
Monday, February 29th, 2016

College Connect: Change the way you save

By Judson Tomaiko Change has a way of being taken for granted. Not "change" like the concept of something new happening but rather the physical metal coins that people get from a business on the off-chance they didn't use their debit card. The collective place that pennies, nickels, dimes and quarters have in our society has become apparent. Lost in couch cushions, dropped in gutters and even thrown ...[Read More]
Monday, February 29th, 2016

College Connect: Credit cards are evil

By Lauren Potter  When I first moved to the U.S. from Australia nine years ago, I was fortunate to land a really great job. For my age, and given that I had no higher education at the time, I was making a lot of money. In fact, I really didn't know what to do with it all. I had cash stuff in the pockets of purses, on my bedside table, in the glove compartment of my car. Well, it wasn't exactly "overflowing," ...[Read More]
Monday, February 29th, 2016

College Connect: Money experience story

By Anthony Prosceno When traveling, it is a good idea to carry a little extra cash because it may turn out that your physical dollars may more value than your credit cards. Last year, a group of friends and I went on vacation in Mexico, and a couple of my friends decided they would withdraw money across the border. Before leaving home, I withdrew the money I would need for the trip with a little ...[Read More]
Monday, February 29th, 2016

College Connect: My tips for money management

By Joseph Steen Having money is one thing, but being able to handle it wisely is another. I've had both good and bad experiences and will try to give you tips on how to handle your money better. The first thing to do is always carry cash. This discourages you from using your debit/credit card as much and makes purchases seem more real than swiping a piece of plastic. I've at times looked at my bank ...[Read More]
Monday, February 29th, 2016

College Connect: Getting started on budgeting

By Adam DeRose After I landed my first job out of college, finances were tight. The consistent paychecks were great, but I also struggled figuring out how much money I had to spend on non-essential purchases (restaurants, drinks, events, etc.) after paying expenses like rent, insurance and utilities. After a few overdraft fees, I decided to take a stab at budgeting. Here are a few suggestions. First, ...[Read More]
Monday, February 29th, 2016

College Connect: Saving money in college: smart grocery shopping

By Sabella Scalise In college, the first year away from my parents meant freedom, no curfew and no rules. A childhood dream come true. But college is not a dream. It is reality. College can be where a student does his or her first grocery trip alone. Ramen noodles anyone? Meal plans in dorms spoil students for their time living on campus, but once living off campus, the simple shopping list ...[Read More]
Monday, February 29th, 2016

College Connect: Think small business when you have extra money

By Jiahui Jia If I ever find myself with extra money and there are business opportunities, my experience indicates it is a good time to act. When I was 13 years old in my home country of China, my friends and I made money by running a gift booth in the annual Spring Festival Market. Each of us invested 200 RMB (nearly $30), building to a total of 4,000 RMB ($600) to run our small business. We purchased ...[Read More]

January 2016

Friday, January 8th, 2016

College Connect: A lesson in debt collection

By Andrea Stoll I have worked at a debt collection agency here in Columbia for about a year and a half. While most people start working in the mail department and get drafted into a permanent department, I was immediately called to work in Bookkeeping. My job duties include posting debtor payments to their accounts, sending checks to courts with documents and filings, and checking to make sure ...[Read More]

November 2015

Tuesday, November 24th, 2015

College Connect: Looking for part-time work to ease the financial crunch

By Nina Cavender One of the most important things you can do as a freshmen, other than schoolwork is finding a job. It not only provides an extra bullet point on your resume (which always helps), but it can take some pressure off your parents, and you, financially. Personally, finding a job is very important to me because I am 1,200 miles from home. I don’t have the luxury of going home every ...[Read More]
Thursday, November 19th, 2015

College Connect: Make big chain stores your friend

By Kouichi Shirayanagi Big chain stores that sell merchandise in the United States usually have liberal take-back policies. Most of the time when you buy something at a chain you can take it back if you don’t absolutely need it. This is very important. If you don’t need something take it back. Sometimes you can even get store credit for the sale price of an item even if you don’t have a receipt ...[Read More]
Thursday, November 19th, 2015

College Connect: Saving money on college travel

By Brea Love When we think of the most expensive thing we could possibly do in college it probably involves taking a trip somewhere. I’ve been on quite a few trips within the last four years, and I never thought I could afford them until I met my friend who was a travel guru. She knew all about how to travel cheap. She is a major saver, but we’ve gotten hotel rooms and cabins for less than $100 ...[Read More]
Thursday, November 19th, 2015

College Connect: Think in terms of future value when spending

By Kouichi Shirayanagi Some things in life are essential for everyday living. But a lot of purchases we tend to make are not necessarily essential. If you took $100 in today’s money and held it in a mutual fund that gave you an average return of 7% interest per year you would have $1497.45. Think about that. Buying a new polo shirt, two pairs of jeans, two tickets to a major sporting event, ...[Read More]
Thursday, November 19th, 2015

College Connect: Slow down and save some cash

By Brea Love Fast isn’t always good for your wallet. I know when we get really busy with classes, work, tests, and studying you feel like you don’t have time to cook. Of course our first thought is to drive through McDonalds or Taco Bell to grab something quick. The dollar menu is a dollar, but dollars add up. I’ve made that mistake before. Those $3 or $4 purchases can add up to $50 very fast. ...[Read More]
Thursday, November 19th, 2015

College Connect: Follow Buffett’s advice and avoid credit cards

By Kouichi Shirayanagi In his talk to a group of high school students in the Omaha area, Warren Buffett has one major piece of unsolicited advice before he takes questions: “Avoid credit cards.” (https://www.youtube.com/watch?v=70uJA45BmPs) Buffett says that young people need to adopt good financial habits early and it is impossible to have a good financial future if you are borrowing money ...[Read More]
Thursday, November 19th, 2015

College Connect: Saving Money on college text books

By Brea Love As college comes to an end I’m looking back on the things I wish I would of known while I was here. Its not where the good parties were, or what easy classes I could of taken. I wish I would of known how to not dish out hundreds and hundreds on books each semester. It was so frustrating buying a $100 book; just to find out I barely needed it, and never opened it. I’ll share my foolproof ...[Read More]
Thursday, November 19th, 2015

College Connect: Buy stocks every time you can and hold on to them

By Kouichi Shirayanagi Every month that you are working and earning money it is important to save your money. According to NeighborWorks America, a network of affordable housing professionals, 34% of adults in America say they don’t have any emergency savings and 47% of adults in America have said their savings would last 3 months or less. It is important to look at savings like it is a purchase ...[Read More]
Thursday, November 19th, 2015

College Connect: Is quick cash hanging in your closet?

By Brea Love  Do you have old things just hanging around your closet? I know I do. Students are always wondering how we can save money, make money, and keep money. Sometimes the answers to those questions are right inside of your bedroom. Your clothes can collect a serious profit. Those old jeans your grandma gave you in 2008 aren’t cool anymore, now is the time to recycle and make money. Poshmark I ...[Read More]

August 2015

Tuesday, August 4th, 2015

College Connect: Preparing to survive, thrive during post college job search

By Ninfa Saavedra The idea of graduating from college and immediately starting a career is not reality, so spending continues for many new college graduates -- without a job. According to the Economic Policy Institute, the unemployment rate for recent graduates in 2014 was 3.3%. That’s higher than normal and 16.8% of new graduates are “unemployed” and can’t get jobs, job hunting or working ...[Read More]

July 2015

Thursday, July 30th, 2015

College Connect: As Internships start to end, consider a new job

By Morgan M. Grayned As summer internships begin to end, it might be time to consider whether you want to stay. Some internships end as early as late July. Others end in early or mid August. Some internships can become a full-time job. About 70 percent of internships at larger companies make full-time job offers to their interns, according to an Internships.com survey. Every year companies, ...[Read More]
Friday, July 24th, 2015

College Connect: Scholarship Savvy

By Mariah Hickman You chose the college of your dreams, sent in what appears to be one of the best and brightest applications along with recommendations, an entrance essay that would knock the socks off of any college recruiter, paid your application fee and received that grand news that you had been accepted. But there is one major detail the goes unnoticed in your moment of joy and achievement: ...[Read More]

April 2015

Monday, April 13th, 2015

College Connect: The Need (or Want) to Work Multiple Jobs

By Phil Joens More than likely the income from your first job will be enough to get you by, but not much more. In addition to my full-time job I’m also getting paid to do freelance journalim and umpiring. I have been able to pile a little I cash on hand because of my full-time job. But I feel pressure, as I've detailed in past posts, because I have credit cards to pay down, and a student loan ...[Read More]
Monday, April 13th, 2015

College Connect: The Income Effect

By Phil Joens As I walked through the aisles at Walmart Express in Columbia, Mo., my stomach grumbled with hunger. I graduated from the University of Missouri only a few weeks before, and I kept thinking about how I was poor, on a tight budget and how everything in the store look good. Then a can of Chef Boyardee beef ravioli caught my eye. That day, it was on sale for just 75 cents, marked ...[Read More]

March 2015

Monday, March 30th, 2015

College Connect: Your credit score: what does it mean and why you should care

By Lauren Langille Your credit score is a number used to determine your riskiness of borrowing money from a lender. The higher the score, the more likely you are to pay back the loan. This means the lender is taking on less risk, so they are willing to lend you money at a lower interest rate. However, a lower number indicates you are a greater risk, so it becomes more expensive and can be difficult ...[Read More]
Wednesday, March 11th, 2015

College Connect: How and when to invest while in college

BY A.J. FEATHER Many college students have loans, bills and unexpected expenses around every corner. So it might seem silly to start investing, and in some cases it is. Loans and utilities might seem more pressing than retirement, but there are a lot of advantages to getting a head start even if you have some debts outstanding. When should money be used to pay off debt versus invested? The ...[Read More]

May 2014

Wednesday, May 7th, 2014

College Connect: Ways to save while interning

By Annie Dankelson Like many of my fellow journalism students, I’ve been fortunate enough to land an internship this summer. And, especially with help the prestigious journalism schools out there these days, these internships can really take you anywhere. So while you could very well find a nice newspaper in your hometown and spend the summer at home with Mom and Dad, you also might find yourself ...[Read More]
Wednesday, May 7th, 2014

College Connect: Remember implicit costs while job hunting

By Annie Dankelson For seniors across America, graduation just finished up or is right around the corner. And with that, of course, comes entering the “real world” and the ever-important job search. For some people, that might be easy. But for journalism majors like myself, things might be a little more difficult. How many times have we all heard the speech that journalism is a dying field ...[Read More]

April 2014

Tuesday, April 29th, 2014

College Connect: How to get paid for buying groceries (but it requires discipline)

By Madeline O’Leary I have a food-buying problem. That's mainly due to the fact that I like to cook. But I've still been to the grocery store three times in the past week, and I've spent over $100 because of those visits. Aside from housing, it's safe to say that the next largest chunk of my income evaporates at the grocery store. Soon, I plan to get a credit card, and I've conveniently discovered ...[Read More]

March 2014

Tuesday, March 18th, 2014

College Connect: Cost of Living Considerations

By Annie Dankelson All journalism students — probably all students, really — strive for them: those coveted summer internships. If you’re like me, you’ll take whatever you can get, wherever you can get it. This could be right in your hometown or in a big city miles away. However, while it’s good to keep your options open, especially as someone new to his or her field, living in different ...[Read More]
Tuesday, March 18th, 2014

College Connect: Expect the Unexpected

By Annie Dankelson As the typical “poor college student,” your parents probably tell you to spend your money wisely. They might even suggest creating a budget. I know that when I started having to pay for my own rent and food, putting money aside for different essential categories was quite helpful. However, imagine this situation. It’s the end of the month, and you’ve used all of your ...[Read More]

February 2014

Friday, February 28th, 2014

College Connect: Love Sports? Officiating is a worthwhile side job in college

By Phil Joens Do you want to earn a lot of money at a high paying job in sports? Yes? Then officiating may be the profession for you. Officiating sports is a little known way to make a lot of money. It does take a thick skin though. I started umpiring Little League baseball games for $15 a game when I was 13 years old. This summer I made between $20 per game and $30 per game. Players on the ...[Read More]

January 2014

Friday, January 10th, 2014

College Connect: Trimming the Expenses

By Taylor Malottki It’s hard to determine the biggest expense for a college student aside from tuition and text books. My two biggest costs come as rent and driving– this includes paying for gas and parking– and I’m more than certain that I’ve invested more into my car than my car is actually worth. So, what does this say about other college kids? Many students have to pay rent, and ...[Read More]
Friday, January 10th, 2014

College Connect: Three Costs You’re Not Expecting

By Taylor Malottki Incoming college students are getting kicked out of the nest and taking flight, but sometimes the aspect of being on their own is all a student can think about. Were you expecting the costs that would be heading your way when you were making your way out into the real world? The five things below are what you need to be aware of now that you’re growing up: 1. Unexpected Housing ...[Read More]
Friday, January 10th, 2014

College Connect: Acting Your Wage

By Taylor Malottki Yesterday when I checked my bank account balance I had $1.09 available to use with a swipe of my card. I wasn’t shocked because my bank account balance has been at its lowest since high school due to some poor investments on my part, but it can be hard to sleep at night when a processing transaction is all it takes for your bank account to go in the hole. Like many college ...[Read More]

December 2013

Tuesday, December 17th, 2013

College Connect: It’s fun – make your own piggy bank

By Phil Joens Do you remember that piggy bank that you had as a kid?  I know you’re thinking “Yeah, but aren’t those are for kids?” Well, not exactly. Spare change may seem like just a few cents when it’s in your pocket. But over time that change adds up. Dailyfinance.com says,  “One company that makes its living counting change estimates that the typical household has $90 in ...[Read More]
Tuesday, December 17th, 2013

College Connect: Opening a credit card for college students

By Phil Joens Opening a credit card for the first time can be intimidating, but it is also necessary to establish good credit. If you’re like me, you don’t have a credit card because you fear getting farther into debt. But if you plan on buying a house or a car in the next 5 to 10 years, you may need to have a credit history to get the loan you’ll need. Your credit score is determined ...[Read More]
Tuesday, December 17th, 2013

College Connect: Does healthy food have to be more expensive?

By Phil Joens Michael Pollan’s Omnivore's Dilemma provides an insightful look into how food is made and manufactured. After reading this book I wanted to figure out how to eat healthier. But as Pollan points out, healthy food is often the most expensive food. Current agricultural subsidies support farming for products like corn, soybeans, and meat production but undercut efforts to make healthier ...[Read More]

November 2013

Thursday, November 21st, 2013

College Connect: Trading in Your iPhone

By GREG MANTELL As smart phones have moved from a novelty to commonplace, consumers can benefit from new trade-in policies. The rapid evolution of technology used to mean not only the exciting prospect of a new model of smart phoneʼs being released every 6 or 12 months--but also the prospect of having to shell over another $500 for the latest and greatest model. But now Apple and many carriers ...[Read More]
Thursday, November 21st, 2013

College Connect: Security Deposits

 By GREG MANTELL If you rent from a private landlord in Missouri you should be aware of your rights about the return of your security deposit. Iʼm told by a rentersʼ advocate (an attorney for the University of Missouri) that many landlords simply assume most tenants will not stand up for their rights and insist on the return of the security deposit. Many landlords and management companies ...[Read More]
Thursday, November 21st, 2013

College Connect: Why Local Isnʼt Always Best When it Comes to Insurance

By GREG MANTELL Although I had had insurance for many years when I lived in California, I found myself starting at square one when I moved to Missouri for graduate school. So I asked around to see what insurance companies people recommended. A fellow student suggested going with a company headquartered locally. Big mistake-- not so much for asking for an opinion but for going with the first company ...[Read More]

June 2013

Tuesday, June 11th, 2013

College Connect: Eight steps to managing your frivolous expenses

By MADELINE O'LEARY My budget is usually thwarted by my unrelenting cravings for meals that I can't make for myself. These meals most often involve Mexican cuisine. One day last week, I spent the majority of the afternoon pacing around my house, resisting the nagging urge to get on Yelp and research Miami's greatest fish tacos. I eventually gave into this urge, because my love for fish tacos is ...[Read More]
Thursday, June 6th, 2013

College Connect: What you need to know about the potential rate increases on student loans

By MADELINE O'LEARY If you've been paying attention to the news out of Washington, you'd know that the current rates on federally subsidized student loans are set to double on July 1. Because I'm in-state and tuition is significantly less for me, I somehow steered clear of student loans. Nonetheless, I found this news terrifying, seeing as many have declared the student loan system in America deeply ...[Read More]
Thursday, June 6th, 2013

College Connect: A personal budget saved by homemade coffee

By MADELINE O'LEARY Panther Coffee in the Wynwood art district of Miami is nothing less than a boutique coffee shop. The strong, smokey scent of roasting coffee beans hangs heavily in the air. Customers can watch the straight-faced employees fuss intimately with each handful. The shop specializes in small-batch roasting and the hand-brewed preparation of coffee beverages. The thing to order is a ...[Read More]
Monday, June 3rd, 2013

College Connect: Piecing together a budget in on of America’s largest, most lavish cities

By MADELINE O'LEARY I moved to Miami about a week ago to take an internship at the Miami Herald. As a Missouri native and cold-weather aficionado, the South is largely a strange and foreign land to me, so I fully expected to melt into a pool of oil within 48 hours of entering Floridian territory. That, fortunately, has not been the case. And I’m living just fine in the sun with extra dark sunglasses ...[Read More]

May 2013

Wednesday, May 29th, 2013

College Connect: The Cost of Uncertainty

By ROBERT ABEL It's most important question every graduate faces: What is next? Up until about March of this year I had no clue of what I would be doing after graduation. All I knew was that I was tired of the Midwest and that I wanted to go to work somewhere in Southern California. I spent the greater half of my senior year filling out applications to jobs and fellowships. I wanted to apply ...[Read More]

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