Biz Buzz

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]
Wednesday, September 27th, 2017

College Connect: College students and the Equifax breach

By Lauren Steffens You’re a grad student. You’ve had a credit card for a couple of years, and you’ve been responsible. In fact, thanks to the Credit Card Act of 2009, it;s rare that you could get a credit card under your own name until you were 21 and had an income. That’s because credit card companies were now forbidden to basically hand out credit cards to college freshmen. Headlines ...[Read More]
Wednesday, September 27th, 2017

College Connect: Applying for graduate school – a cost analysis

By Lauren Steffens I’ve been taking part-time graduate classes, but am seeking to enter a program full-time. I'm also working part-time, so the cost of applications is weighing on me. I am applying to MFA programs – master’s in fine arts. Because there are only a few doctoral programs in art, an MFA is considered a terminal degree, so you can teach on the collegiate level, which is one ...[Read More]
Wednesday, September 27th, 2017

College Connect: Football may be a college classic, but it’s pricey!

By Alex Schiffer For a lot of college students, Saturdays in the fall are the most unproductive day of the week. When college football season is in full swing it’s a tall task trying to get anything done on gameday. If your school is playing a morning game you start your day off at the stadium and spend most of your day there. And if your school has an afternoon or night game you spend the rest ...[Read More]
Wednesday, September 27th, 2017

College Connect: The High Cost of Turning 21

By Alex Schiffer It’s a situation probably every college student remembers to some degree; the first time they got offered to drink alcohol in college. Sometimes that offer comes at a house party, other times in the dorms and heck, maybe if you have a good fake ID or know the right bouncer, maybe at a bar. Of all the things associated with college, whether it be football, frats, frisbee or free ...[Read More]

April 2017

Tuesday, April 11th, 2017

College Connect: I took Jay Leno’s advice – will you?

By Philip Joens In my last post I talked about my own experiences after graduating from college and how I’ve come to terms with the business side of my life as a reporter. When you’re young and not making much money though, it may be helpful to choose carefully where you’ll live and what you do in your free time. Save Money, save for retirement young When you enter the workforce a few ...[Read More]
Friday, April 7th, 2017

College Connect: Expert Explains the Reality of Credit Cards

By Reann Huber Diann Moorman is an associate professor at the University of Georgia’s College of Family and Consumer Sciences, and specializes in research on bankruptcy, single parent households, credit card debt and more. I reached out to Moorman to learn more about credit cards and the debt that often comes along with them and how they affect college students. Q: How beneficial would you ...[Read More]
Friday, April 7th, 2017

College Connect: What Most College Graduates Don’t Anticipate After Graduation

By Rachel Madray Many college students are not prepared for the financial obligations they will face after graduation. After relying on their parents for the past 20 plus years of their lives, the transition to becoming self-sufficient can be shocking to many, especially if they have not prepared for what to expect. Matt Goren, who teaches personal finance at the University of Georgia, has a list ...[Read More]
Friday, April 7th, 2017

College Connect: A College Students Gets Expert Advice on Her Five Key Questions

By Rachel Hinkle Taylor Liszewski, an advertising major at the University of Georgia, had several questions about personal finance and budgeting as she prepares for life beyond college. College Connect turned to Matt Goren, an assistant professor at UGA who teaches Introduction to Personal Finance, for answers. Q: Is it a bad idea to have a credit card at a young age? A: No, absolutely not: ...[Read More]
Friday, April 7th, 2017

College Connect: Paying the Bills, While still Working towards a Career

By Garrett Michael Abbi Camillo, an interior design major at the University of Georgia, has struggled to find a stable college job that will cover rent and other monthly living expenses, while also enhancing her ability to find a career. This is a problem many students face, and it can seem like an insurmountable wall to climb once bills begin to go unpaid. Matt Goren, who teaches personal finance ...[Read More]
Friday, April 7th, 2017

College Connect: Ways College Students Mismanage Their Money

By Denver Ellison It’s a fact that people mismanage their money. However, when college students mismanage their funds, it may be a lifestyle issue rather than a mistake. Many of us don’t take the time to think about how we are spending our money or why we are spending our money. Instead of budgeting and tracking, we spend the majority of our paychecks and wait around for the next pay period ...[Read More]

March 2017

Tuesday, March 7th, 2017

College Connect – Credit scores can be confusing

By Yu Zhang As an international student, I am a newcomer as to the credit scores in the U.S. As soon as I was told that a U.S. credit card will benefit me in terms of flying miles and, I went to Chase to applied for a credit card. However, I was turned down as my credit history was too short. I turned to Discover instead which does not require any credit history. I paid every month on time and ...[Read More]
Tuesday, March 7th, 2017

College Connect – Putting time and money in perspective

By Michelle Maki When I first watched “The Avengers,” I leaned over and asked my friends, “How much do you think it would cost to rebuild the whole city after they’re done?” As a journalism major, I ask too many questions — some about Marvel movies, but others about issues that impact a community. The way people live is hugely affected by money and the economy, which motivates me ...[Read More]
Tuesday, March 7th, 2017

College Connect – Staying on top of finances

By Saundra Wilson This year I got my first credit card and I had a sentimental moment in my car afterwards. I realized that there was no going back. I had taken a giant leap into the pool of adulthood and was officially submerged. No parent’s name next to mine on the paperwork in case of an emergency. Nope. This one was all me! In order to avoid getting into the habit of spending money that ...[Read More]
Tuesday, March 7th, 2017

College Connect – My first paycheck

By Ross Leviton One of my first, and most memorable times with money was after the arrival of my first paycheck. I had volunteered with a company for a few months and they had decided to hire me, which meant I was going to get paid! I remember having to figure out my Social Security number and the confusion I felt when I first had a W-2 placed in front of me. I turned my timesheet in to my boss ...[Read More]
Tuesday, March 7th, 2017

College Connect – Exchange rates

By Ziluo Qiu When thinking about money, the first thing that comes to my mind is the exchange rate. I am an international student. It is necessary for me to understand exchange rate because it affects my life abroad. I was interested in exchange rates the first time I know about them. It is not difficult to understand that different countries use different currency. I still remember the first time ...[Read More]
Tuesday, March 7th, 2017

College Connect – Investing in the future

By Madison Alder A time I learned something about money was when I discovered my summer internship had automatically set up a 401K for me and I had to transfer the balance. I learned about the account when I received a letter in the mail informing me I needed to transfer the money from the 401K into a private savings account as soon as possible. Not knowing what that really meant, I called up the ...[Read More]
Tuesday, March 7th, 2017

College Connect – Fake discounts

By Lan Jiang Amazon.com, Jet.com, Ebay.com and Taobao.com, these e-commerce websites provide cheaper goods than that in the off-line stores. It is very often that those e-commerce websites providing a discount on some special festivals, such as Best Buy’s time-limited discount on the President Day. However, a shrewd customer would find out some discounts are fake. For example, one designer’s ...[Read More]
Tuesday, March 7th, 2017

College Connect – Real world budgeting

By Kara Carlson When you’re sixteen years old, getting your license finally means freedom. For me, as student involved in several extracurriculars and two sports it meant that my long days at least began and ended with me behind the wheel. Even if that meant carting myself off to games up to an hour away I loved every minute of my new found independence. But then gas prices steeply began to ...[Read More]
Tuesday, March 7th, 2017

College Connect – Keeping a budget

By Jenna Miller Most of my life I haven’t kept a budget. I didn’t see the need to put energy into recording what I make and spend. I never looked at my credit statement or my bills and I thought it worked totally fine. Even living in New York City, paying for college, rent and food, I always found there was magically enough left at the end of the month to polish off my bills and my credit card ...[Read More]
Tuesday, March 7th, 2017

College Connect – Line of credit

By Corinne Roels Something that I learned a lot about during while working in retail was how applying for credit cards and acquiring them can affect your credit score.  As an employee of a large-size mall retailer, it was frequently a part of our required performance to "sell" credit cards to customers.  This was often challenging, as customers don't always want to open up a line of credit with ...[Read More]
Tuesday, March 7th, 2017

College Connect – The lessons of money

By Brianna Stearns Although some may warn that money is the root of all evil, my life would be vastly different if I had not had the financial ability to participate in luxuries such as traveling, trying new activities and attending an out-of-state university. With money can come greed, but if spent wisely, money brings experiences that can positively and irreversibly impact your life and your ...[Read More]
Tuesday, March 7th, 2017

College Connect – Gambling in Las Vegas

By Allie Morgan Newman Like many people do, I celebrated by 21st birthday in Las Vegas. It is easy to see the opportunity to both spend and make money in a place like Vegas. I really thought about money in a new way when I first sat down at the blackjack table that had a five-dollar buy in. When people gamble it is usually with the hopes of making money, as I sat at the table though, I watched ...[Read More]
Tuesday, March 7th, 2017

College Connect – My first credit card

By Alexa Nicole D’Angelo The first time I really started to think about money was when I got my first credit card. I am a notorious shopaholic with a tendency to shop until I have nothing in my bank account when I am stressed. I got my first credit card with a limit of $1,200 and within two months, I had maxed it out. No one had really explained credit to me, other than I knew I needed to have ...[Read More]

December 2016

Monday, December 19th, 2016

College Connect: Saving Money at the Grocery Store

By Zack Newman I relish food and am constantly enticed by the possibility of a smorgasbord of flavors. While the occasional splurge is ok, constructive habits can lead to long-term savings. This happens a few dollars at a time. I compiled a few of my favorite tricks below to save money at the food store. The envelope trick: Budget out the amount of money you anticipate spending on “fun food” ...[Read More]
Thursday, December 8th, 2016

College Connect: Filing Taxes Cause College Students to Confront their Money Skills

By Lisa Fu College is when many young adults take their first step to financial independence. It may be taking on a part time job or simply remembering to pay the rent on time, but college is when many students often confront their responsibilities with money and find their knowledge is lacking. When it comes to filing taxes, for example, college students have many questions, but the answers ...[Read More]
Thursday, December 8th, 2016

College Connect: College Loans are Necessary, but Require Planning

By Azure Aladin College is expensive. Tuition, rent, textbooks, groceries and other bills add up, forcing many college students to take out loans to defer the expense of attending a university. Courtney Wheeler, a junior at the University of Georgia, qualified for a scholarship provided to Georgia residents who have performed well academically, but did not get any other assistance even though she ...[Read More]
Thursday, December 8th, 2016

College Connect: In Today’s Electronic Age, Receipts Can Be Your Friend

By Covey Eonyak Son My dad always told me to hold onto my receipts, no matter how minor the purchase. He was obsessed with collecting them. He even had boxes (yes, multiple) of old receipts and invoices in his home office. Just in case. A little over a year ago, my dad’s advice came back ringing in my head. I finally understood why he so meticulously kept all of his receipts. It was July ...[Read More]
Thursday, December 8th, 2016

College Connect: Managing Your Money Doesn’t Have to Be So Stressful

By Covey Eonyak Son You probably grew up getting allowances from your parents. Your parents probably got you a piggybank one day, and told you to not to break it open until you’ve saved enough money. And they almost definitely at some point told you to put something back at the store because you don’t really need it. This is how a lot of parents try to teach their children about financial ...[Read More]

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