Do you know of any young person that may want to attend a FREE 1 week camp during the summer? Read below for details.
This summer the Organization of Black Airline Pilots (OBAP) will hold 2 Aviation Career Education Camps sponsored by Delta Air Lines.
The purpose of each one-week program is to introduce interested youth to the world of aviation by exposing them to the many challenging careers and opportunities which the aviation industry has to offer.
Please take the time to read the brochure/application and pass it along to anyone that you know who may be interested.
http://dstfwac.org/files/deltaairapp.pdf
The age range is for boys and girls between 14-18 years old.
Friday, May 2, 2008
Wednesday, April 16, 2008
Summer Jobs In California
USHERS AND TICKET TAKERS WANTED (Hollywood)
The JOHN ANSON FORD AMPHITHEATRE is hiring energetic and qualified people to be Ushers and Ticket Takers at the over 100 performances presented at the Ford Amphitheatre this summer. The 1245-seat outdoor Ford Amphitheatre is set in the Hollywood Hills just across from the Hollywood Bowl. It is an intimate theatre featuring music, dance, film and family events. The Ford Amphitheatre Season is a program of the Los Angeles County Arts Commission.JOB DESCRIPTION: Under supervision of the House Manager, performs a variety of duties for theatre performances.
TYPICAL DUTIES PERFORMED: Greeting and directing theatre patrons; providing information and assistance in routine and emergency situations; distributing programs; tearing tickets; seating patrons and responding to patron inquiries with an emphasis on good customer service. Visit us at www.fordtheatres.org.
MINIMUM QUALIFICATIONS: Ability to work varying hours including nights and weekends, stand for extended periods of time, exercise good judgment, courtesy and tact with staff and public; present a clean, neat appearance and utilize quality customer service skills.
EXPERIENCE: Working as an usher or in customer service in a similar environment is preferred, but training is provided for exceptional candidates.
EDUCATION: Must be at least 16 years of age and be able to provide work permit if under 18. We welcome Bilingual candidates.
OTHER REQUIREMENTS: Applicants must have a valid California Drivers License or California I.D. card and a reliable method of transportation.
COMPENSATION: $8.00 per hour; 15 – 35 Hrs per week. Schedule includes evenings and some weekend days.
The season schedule runs from May 27 through October 12, 2008.
To apply: send letter, resume and a list of three work-related references to:
Bill Berry
Event Services Manager
John Anson Ford Theatres
2580 Cahuenga Blvd. East
Hollywood, CA 90068
Email: wberry@lacountyarts.org
Fax: 323-464-1158
Perfect Part Time Position for Students! Nielsen Entertainment -EDI
Nielsen EDI, a global leader in measurement, information and research solutions for the motion picture industry, is currently gearing up for its annual School Holiday Calendar Project. To assist in projecting movie release dates and providing additional box office information to movie studios, Nielsen EDI compiles yearly data on calendar holiday dates from school districts across the US and Canada.PERFECT OPPORTUNITY FOR STUDENTS! - We are currently hiring temporary part-time Data Entry and Collection Clerks to assist in compiling this data. Clerks will be responsible for collecting data from various school districts in the US and Canada. Collection will be via fax, email, and/or website. Eligible candidates will have strong communication and customer skills, be detail oriented, have the ability to meet deadlines, and be able to work independently. Additionally, prior computer and 10 key experience is preferred but not required. This project will begin on May 5th and last until early or mid July. The hourly rate is $9.50 and the hours are Monday – Friday from 9:00am – 3:30pm.
This is an ideal summer job for college students in a fast-paced office. To apply, please submit resumes to field-job@nielsenentertainment.com or fax to 323.817.1916. The contact phone number is also 323.817.1917 We also have open office hours for walk in applicants Monday-Thursday 10am-12pm & 2pm-4pm. We are located at 6255 Sunset Blvd, 14th Floor (Employment Center) Hollywood, CA 90028. WE LOOK FORWARD TO HEARING FROM YOU!
Beach Camp Counselor - Great Summer Job!! (Pacific Palisades, CA)
The Bel-Air Bay Club is a private beach club located on the beautiful Santa Monica Bay. We are looking for energetic camp counselors that will work in a beautiful setting with children of all ages. A terrific summer job!
JOB DESCRIPTION:
The purpose of this position is to provide a safe, fun, educational and rewarding camp experience for all of our camp members. At all times counselors are expected to treat all campers in a respectful manner.
- -Assist any and all camp counselors in day-to-day activities and responsibilities regardless of what camper group they may be working with.
- -Check in and out all campers on a daily basis making sure to account for every child entering and exiting Camp. Counselors may release a camper only to the authorized person/s as described in the camp registration form.
- -Make sure all campers apply sunscreen before camp starts
- -Make sure all campers adhere to the camp uniform which consists of the proper color t-shirt per camp age group.
- -All Counselors must be punctual and arrive at 8:00 am prepared to work.
- -All counselors are responsible for cleaning up any area that is used for camp activities after use and in the morning before campers arrive.
- -All counselors must attend two daily meetings before the start of camp and after camp has ended.
- -All counselors must report any problems, accidents or disciplinary issues concerning parents, campers or counselors to the directors of camp immediately.
- -Every day counselors must ensure that each camper receives lunch. Counselors are responsible for retrieving the camper’s lunch from the kitchen and cleaning the lunch area after it has concluded.
- -Counselors must direct all activities and games in a fair and logical manner with campers safety being a priority at all times.
- -All counselors must adhere to Bel Air Bay Clubs rules, policies and procedures in all areas of the club as described in the employee handbook.
- -Any other duties as assigned.
Submit your resume or application to jobs@belairbayclub.com, fax to 310-566-1882, or mail to 16801 Pacific Coast Hwy, Pacific Palisades, CA 90272.
Please Specify Camp Counselor on your resume or application.
Summer Computer Camp Instructors (UCLA)
Cybercamps AcademyComputer Camp Instructor
http://www.cybercamps.com/careers.aspx create an account and then hit jobs or apply again.
Built on the philosophy that human brains learn best when having fun, Cybercamps NATIONWIDE SUMMER PROGRAMS inspire 7-16 year olds to build, design, explore and invent. Topics in: Web Design, Programming, Flash, 3-D Animation, Robotics, Game Design & Digital Media.
Position Description:
Counselors will teach and guide several of the classes Cybercamps offers; participate and supervise campers in recreation activities such as sports, games, team-building activities, field trips, etc. during non-computer time. We provide the curriculum and you provide your skills, experience, creativity and desire to work with children to enhance each camper’s experience. Low camper to staff ratio. Candidates should possess good leadership skills, the ability to work well with others, have a good sense of humor and the ability to have fun! Flexibility is a must! It’s a camp for kids!
Special Skills or Qualifications:
Candidates must be at least 18 years old by June 1, 2008 and have completed one year of college or equivalent. Experience working with children & solid knowledge in one or more of the following areas: Web Design, Flash, 3D Animation/Modeling, Digital Media (2D and Video), Robotics, Game Design, and Programming (C++ and/or VB).
Camp Dates: Depends upon location.
Hours -- Day camp: 8am – 5:30pm, Monday - Friday
-- Overnight: Sunday, 4pm – Friday, 5:30pm
We do not provide relocation or non-residential week housing, and we are currently unable to accept International Applicants in the United States on a visa.
PLEASE APPLY AT http://www.cybercamps.com/careers.aspx create an account and then hit apply or jobs again.
VIDEO RESUMES encouraged and accepted for all locations, except CA and HI.
Compensation: starting at $400 per week plus residential stipend and up to $100 in performance bonus per week.
PBC Day Camp & Swim School
in Rancho Palos Verdes has begun hiring for our 2008 summer programs. Once again, we will form a team of talented people to create a fun, rewarding, and enriching summer experience for the children and each other.
We are looking for fun, energetic, enthusiastic, intelligent, and team-oriented individuals to fill a variety of jobs.
- Day Camp Counselors
- Day Camp Specialists for Archery
- Day Camp Specialists for Academic Enrichment
- Day Camp Specialists for Tennis
- Day Camp Specialists for Soccer
- Day Camp Counselors who are Horse Enthusiasts
- Day Camp Counselors who are Golf Enthusiasts
- Swim Instructor / Lifeguards
Please visit www.pbcstaff.com or call Brent at (310) 541-3664 for complete details and to get the process started.
TV Guide Production Internship
Soak up experience in the entertainment industry by participating in TV GUIDE’S Summer 2008 Internship Program. Production intern positions available in Hollywood, CA.
TV Guide has a lot to offer current students; it is a leading global media, entertainment, and technology company that develops, licenses, markets and distributes products and services that maximize the video guidance and entertainment experience for consumers. Our role as a guide today is stronger and more valuable than ever. Across a range of platforms and built on an unmatched heritage, TV Guide holds a unique place in the market and stands on the cusp of a truly exciting opportunity, which it hopes to share with you!
A TV Guide Production Internship exposes students to a variety of duties, providing valuable hands-on experience and increased knowledge of the industry. Interns will work directly with the Producers on TV Guide Network’s famed shows, such as Watercolor and Hollywood 411.
These positions will be non-paid, though offer a jump into the Entertainment Industry and a very valuable corporate work experience!
Eligibility: Must be a CURRENT STUDENT
Please Apply By Clicking the Following Link and Posting Your Resume.
http://search3.smartsearchonline.com/tvguide/jobs/jobdetails.asp?job_number=563
four summer temp jobs starting in May in the bookstores of local independent (private) schools. Two positions are with one school bookstore located in the Beverly Hills area of Los Angeles and the other two are with one that is located in the North Hollywood area of the San Fernando Valley. The bookstores are looking for energetic, creative and organized individuals, who have good judgment, are able to multi-task and are accustomed to offering outstanding customer service.
TEMPORARY BOOKSTORE ASSISTANTS FOR PRIVATE SCHOOLS
Two of the positions will run from May thru August and two will run from May thru October.
You should have proficiency in Microsoft Word, Excel and an affinity for quickly learning other software programs.
This is a physically active position: you will unload and shelve books, and pack books for return to publishers. Since lifting is involved, you must be able to lift boxes of books and materials up to 50 pounds in weight, so a knowledge of safe lifting techniques is important as is following the proper procedures in lifting.
You will find yourself performing most aspects of a bookstore operation at one time or another including opening and closing of the store. You would reconcile invoices and perform inventory control, keep track of supplies and textbooks, and assist students with their purchases . You would also arrange displays, receive, label and price merchandise, and organize the annual student registration and book distribution and the book buy-back event.
Prior bookstore experience or retail experience is a major plus. You should also have a stable work history with verifiable references. Most importantly, you must have the patience to interact with students, showing a warm personality, lots of energy and a strong sense of humor!
Since you would be working in a school environment, you must naturally be capable of successfully passing a thorough background check that includes the submittal of fingerprints.
CONTACTING US
Candidates may submit their resumes via fax 310-274-8440. If you would like additional information on this career opportunity, you should feel free to contact us at 310-274-3434.
ABOUT US
Dependable Employment (www.DependableEmployment.com) is a specialist in the placement of individuals within independent schools in the Los Angeles metropolitan area. If you are interested in working in an academic environment, we have positions open on all levels within the 36 schools we count as clients. Our client schools have locations all over the metropolitan Los Angeles area, from Pasadena to Santa Monica and from the San Fernando Valley to the South Bay.
 Want to work in an office of like-minded people who are serious about making a difference?  Can't afford to take an unpaid internship? Campaign staff will have the opportunity to turn this job into a career, and just over the summer, you can make $4,000-$6,000 as well as receive other benefits.  Above all, do you want to make a difference? Our staff make a difference on some of the most important environmental problems out there.
|  |
 | Recent Story: California will make the nation's largest-ever investment in solar power, thanks to a program approved by state officials in January of 2006. Working with Environment California, our staff spearheaded a massive grassroots effort to build support for the program, which will cut the cost of solar power in half within a decade, reduce global warming pollution by one ton for every new solar roof, and create an estimated 15,000 new jobs in California. |  |
 Visit our Web site or call 1-800-75-EARTH
|  |
Summer Options for College Students
Do you have a college student in your house? What are their plans for this summer? Now is the time to be making summer plans so the summer is productive. Don't kid yourself, by June, the good jobs are GONE.
Think creatively and have your student think of ways to build their resume. Use the summer to get a jump start on college course work, to have a volunteer experience, or have a work experience.
Hopefully this list will get you started. If you do not have a college student in your house but you know one, help them out. Give them a summer opportunity.
1. Traditional Jobs
2. Hotel and Resorts
3. Theme Parks
4. Tennis Club/Golf Club
5. Local Restaurants and Businesses
6. Park and Recreation Departments have Summer Job Programs.
7. Local Government Summer Job Programs.
8. Federal Government has Job Programs.
9. Camp Counselor
a. This is a built in summer job if they like you.
b. Go to the camp you attended as a child and apply.
c. The pay isn't great but you also do not have any expenses.
10. Work in a family business.
11. Remain on campus for Summer Session.
a. Taking classes will guarantee you graduate on time or early
b. Take a difficult class so you can concentrate on one class
c. Take one difficult class and one fun elective.
12. Community College
a. First check with your school to see if they accept credits.
b. Community College has great professors that might have a teaching style that works for you.
c. Community College credits are less expensive so you can save some tuition money
13. Internships
a. Explore early in the spring, businesses that offer internships in areas of your interest. They may hire you when you graduate if you impress them during your college years.
b. Experience is worth more to you than pay. You can put this on your resume and have references.
14. Volunteer
a. Inner City programs
b. Habitat for Humanity - Local and Foreign opportunities
c. i-to-i Volunteer Vacations
15. Intensive Language Programs
***Always be building your resume. Use your Summer to Play Smart.***
Finding A Scholarship Or College Grant
The cost of a college education has risen to unthinkable levels over the last two decades. Few parents have the extra cash on hand to cover these costs, so student loans and mounting debt have become a reality for many students. Image graduating with an outstanding debt of 50 to 100 thousand dollars. It almost defeats the purpose of getting that degree in the first place. With no end to tuition increases in sight, financial aid packages are essential for most students.
Fortunately, aid opportunities have also multiplied in recent years. Scholarships and grants were once thought of as only available for the poor or the brightest students. That is no longer true. These days, almost everyone is eligible for some type of award.
Free money for college can be divided into two basic categories: scholarships (usually merit based) and grants (usually need based). Of course, many other conditions apply to various awards. Minority status, gender, career plans, and field of study are the most common qualifiers for today’s financial aid awards. Almost everyone can use one of these categories to focus their search for aid.
One of the best sources for college grants is the federal government. Be sure to submit The Free Application for Federal Student Aid (FAFSA) as soon as possible. This will tell you if you are eligible for a Pell grant, and colleges will use this information to determine if you qualify for a school-sponsored grant. Private grant foundations may also require the FAFSA be completed before considering you for an award.
Ideally, a student would start looking for scholarships during the junior year of high school. This may seem early, but some awards require an application be submitted the year before you begin your first semester in college. Furthermore, collecting the names and contact information of prospective awards can take months. You must also factor in time for completing lengthy application forms, writing essays, and scheduling interviews.
In your search for scholarships, focus on three main sources. First, search your local community. Start with the high school councilor’s office, your local library, churches, community organizations, and any corporation that is based nearby. Next, contact the financial aid office of each college you are considering. They can tell you about all school-based awards that may not appear in the standard listings. Finally, use the Internet. The standard search engine is of some use, but dedicated scholarship search sites are a tremendous resource. Some of these data banks have up to 800,000 awards indexed. Best of all, you can search based on a personal profile that will match scholarships to your unique situation.
Of course, this article can only get you started in the right direction. College funding is a complicated process and it is easy to feel overwhelmed. Remember that almost half of all college students receive some type of aid, so the chances of success are good. With a dedicated and organized search plan, you can get your share too.
About the author:
By Chris Davis. Get more information on college financial aid and conduct your own scholarship search at http://www.educationwebresources.com,home of the Internet Guide to Funding your Education, as well as other useful services and products for students and teachers.
Fortunately, aid opportunities have also multiplied in recent years. Scholarships and grants were once thought of as only available for the poor or the brightest students. That is no longer true. These days, almost everyone is eligible for some type of award.
Free money for college can be divided into two basic categories: scholarships (usually merit based) and grants (usually need based). Of course, many other conditions apply to various awards. Minority status, gender, career plans, and field of study are the most common qualifiers for today’s financial aid awards. Almost everyone can use one of these categories to focus their search for aid.
One of the best sources for college grants is the federal government. Be sure to submit The Free Application for Federal Student Aid (FAFSA) as soon as possible. This will tell you if you are eligible for a Pell grant, and colleges will use this information to determine if you qualify for a school-sponsored grant. Private grant foundations may also require the FAFSA be completed before considering you for an award.
Ideally, a student would start looking for scholarships during the junior year of high school. This may seem early, but some awards require an application be submitted the year before you begin your first semester in college. Furthermore, collecting the names and contact information of prospective awards can take months. You must also factor in time for completing lengthy application forms, writing essays, and scheduling interviews.
In your search for scholarships, focus on three main sources. First, search your local community. Start with the high school councilor’s office, your local library, churches, community organizations, and any corporation that is based nearby. Next, contact the financial aid office of each college you are considering. They can tell you about all school-based awards that may not appear in the standard listings. Finally, use the Internet. The standard search engine is of some use, but dedicated scholarship search sites are a tremendous resource. Some of these data banks have up to 800,000 awards indexed. Best of all, you can search based on a personal profile that will match scholarships to your unique situation.
Of course, this article can only get you started in the right direction. College funding is a complicated process and it is easy to feel overwhelmed. Remember that almost half of all college students receive some type of aid, so the chances of success are good. With a dedicated and organized search plan, you can get your share too.
About the author:
By Chris Davis. Get more information on college financial aid and conduct your own scholarship search at http://www.educationwebresources.com,home of the Internet Guide to Funding your Education, as well as other useful services and products for students and teachers.
Wealth Creation Secrets
You have probably heard other people say that "Money isn't everything" or "Money can't buy happiness." They may be right in some aspects; but it's not just about the money.
It's about having an ideal lifestyle - being able to have control over your time and schedule, having no one ordering you around, not having to look at the price tags every time you go out shopping, and just enjoying the freedom that you truly deserve.
But why do many people fail to achieve financial freedom? Through experience, I have observed that they have limited belief.
That's the problem with most people. They have set up a boundary in their minds. This barrier stops any possibility of surpassing the current limits of their belief.
For example, many people would think that their boring day job is all that they're good enough for. They do not like to think outside the box. They do not grab opportunities that are theirs for the taking. Fears and doubts have been causing them to miss these golden chances of a lifetime.
There are plenty of opportunities out there. They may enroll in night classes, do some research on how to make more money, or start an internet business.
When I was just starting my online endeavors, all my friends and relatives (with the exception of my internet marketing friends, of course) would discourage me in entering this venture. They would repeatedly inform me that I'm wasting my time and nothing good would come out of it.
Had I listened to them, I would not have achieved online success. If they have succeeded in implanting their own restricted beliefs into my mind, I never would have tasted the joy of being an infopreneur.
No offense to them. I respect their decisions. Everyone has the right to voice out their opinions, but no one has the right to force others in accepting their belief. Thank goodness my internet marketing pals have encouraged and supported me all the way.
Believe that you have the capacity and power to attain moneymaking success, and you're halfway there.
Plan everything. Make a list of things that would allow you to save money. Cut back on using your credit card, pay your bills on time, make wise investment decisions, and try your best to start in some sort of business (no matter how small).
More importantly, action should be taken. It's not enough to just believe. You have to make a move. Does making mistakes frighten you? Don't be. The more mistakes you make, the closer you will get to success.
Sacrifice. Instead of watching TV or going shopping, invest more time on those activities that would propel you in reaching your financial goals.
Many people would repeatedly complain that they're sick and tired of their lives, but do they really deserve a better life? The harder you work, the more chances that success will hit you.
Never, ever give up. Quitting is not an option. You must keep on pounding and pounding until you have achieved your mission.
Money may not be everything, but living your life the way you want it to be is.
About the author:
Author: Mickaël Kerenterff. For more information, please visit my website at http://www.WealthExpressSecretsRevealed.comwhere you can grab a free e-course about Wealth Express Secrets. You will Discover How YOU Can Acquire the Mindset and Behavior of the Rich, Copy Exactly What They Are Doing to Achieve Financial Success, and Stay Wealthy All Your Life!
It's about having an ideal lifestyle - being able to have control over your time and schedule, having no one ordering you around, not having to look at the price tags every time you go out shopping, and just enjoying the freedom that you truly deserve.
But why do many people fail to achieve financial freedom? Through experience, I have observed that they have limited belief.
That's the problem with most people. They have set up a boundary in their minds. This barrier stops any possibility of surpassing the current limits of their belief.
For example, many people would think that their boring day job is all that they're good enough for. They do not like to think outside the box. They do not grab opportunities that are theirs for the taking. Fears and doubts have been causing them to miss these golden chances of a lifetime.
There are plenty of opportunities out there. They may enroll in night classes, do some research on how to make more money, or start an internet business.
When I was just starting my online endeavors, all my friends and relatives (with the exception of my internet marketing friends, of course) would discourage me in entering this venture. They would repeatedly inform me that I'm wasting my time and nothing good would come out of it.
Had I listened to them, I would not have achieved online success. If they have succeeded in implanting their own restricted beliefs into my mind, I never would have tasted the joy of being an infopreneur.
No offense to them. I respect their decisions. Everyone has the right to voice out their opinions, but no one has the right to force others in accepting their belief. Thank goodness my internet marketing pals have encouraged and supported me all the way.
Believe that you have the capacity and power to attain moneymaking success, and you're halfway there.
Plan everything. Make a list of things that would allow you to save money. Cut back on using your credit card, pay your bills on time, make wise investment decisions, and try your best to start in some sort of business (no matter how small).
More importantly, action should be taken. It's not enough to just believe. You have to make a move. Does making mistakes frighten you? Don't be. The more mistakes you make, the closer you will get to success.
Sacrifice. Instead of watching TV or going shopping, invest more time on those activities that would propel you in reaching your financial goals.
Many people would repeatedly complain that they're sick and tired of their lives, but do they really deserve a better life? The harder you work, the more chances that success will hit you.
Never, ever give up. Quitting is not an option. You must keep on pounding and pounding until you have achieved your mission.
Money may not be everything, but living your life the way you want it to be is.
About the author:
Author: Mickaël Kerenterff. For more information, please visit my website at http://www.WealthExpressSecretsRevealed.comwhere you can grab a free e-course about Wealth Express Secrets. You will Discover How YOU Can Acquire the Mindset and Behavior of the Rich, Copy Exactly What They Are Doing to Achieve Financial Success, and Stay Wealthy All Your Life!
How Millionaires Get to Be Millionaires
Money is not just a necessity nowadays; it has become a supplement for sustaining wealth and luxury. Anybody of practical reason who’s being asked will have to say that riches should provide for the next generations. Having this thought in mind, everyone are craving for millions even teenagers earn and work out to look forward the future having a house with a large open space, elegant façade and wheels in the garage. Yet there are only few steps, hints of answers revealed by these millionaires global wide.
Before you can manage a large amount of money learn to handle the coins in your hand. Lisa Van Duesen, a Vietnamese now a mini mogul at US was once sunk in debt and penniless. She sold her house and mortgages an amount of $ 200,000, paid her debt and move to settle in the green pasture of US. They sacrifice from eating lavish foods and satiated in rice and soy sauce as their everyday meal. She worked hard as a real estate broker after college and invested her money to real estate properties that soon earned her 40% equity. Learning fro her work, she buys and sells using the bank's money wisely placing them according to her needs. She purchase whatever that has value and can be sold with interest and plan it financially. She recovered from having sky-high debts to rising assets using only what she has into a profitable cause.
Follow your parent’s advice, earn a degree.
Education is a key factor in understanding how money talks and that are by having one potential, being knowledgeable. Invest in your mind. Acquiring a degree is gearing yourself with skill that can be used and valuable in the market. Arturo Gonzalez, son of the Mexican railroad worker dreamt of making it on top. He has promised himself of two possibilities in his life, Harvard or Bust. Later on he was accepted and pulled himself with ambition to Harvard Law School. He then land a job in San Francisco based law firm and has an income about $ 740,000 in 2003, according to the American Lawyer Magazine. This undeniable manifest how education could earn you a living.
Positive attitude towards life spiced with perseverance.
Behavior towards work and the optimism that boost up your moral after you tried hart. Starting a small business is already hard enough, to most of people especially when the resources is scarce and debts is high, study shows 20% are struggling small enterprise, according to SBA ( Small Business Administration office of Advocacy).
Rossie Herman, 42 and a resident of Tomball, Texas had experience a lot of struggle just to get her she is now. She took all the risk even placing her in $ 75,000 debt going form one credit card to another which normally happens to about 46% of small business as of 1998, SBA says. She is a manicurist who has two daughters to raise and convicted herself to get out from debt. Often people slam their door in her face during her marketing strategy of house to house delivery." It was frustrating and tough", she admitted. Yet willingness to succeed paid off. The key there is not by quitting but pursuing.
Invest and Save.
The problem of the most entrepreneurs are recognizing only on what goes in the pocket but not knowing what goes out. Spend only what is not more than your budget and compromise from it. Save, save and play out to invest it when the economy is not shaky. One of Oprah’s best advices during her talk show is that a good financial planner must always sign their own checks. This is to monitor what is left and what needs to be saved or else you’ll end up bankrupt without even knowing it.
Time is always essential.
Multi tasking is the best way of achieving your goals in a short time, this means use your potential in dividing the task to others while focusing on what needs to be done. Most of us try to do a lot of things in a short amount of time and end up finishing nothing at all. Always get your priorities straight and focused baring in mind that investing on it will profit you in the end.
About the author:
Daegan Smith is the leader of the fastest growing team of successful home business enterpernuers on the net. Find out how we're creating financial freedom all across the globe and how to get in on the action FREE =>http://www.comlev.com Team Blog: http://www.turnkeyinternetbusiness.blogspot.com
Before you can manage a large amount of money learn to handle the coins in your hand. Lisa Van Duesen, a Vietnamese now a mini mogul at US was once sunk in debt and penniless. She sold her house and mortgages an amount of $ 200,000, paid her debt and move to settle in the green pasture of US. They sacrifice from eating lavish foods and satiated in rice and soy sauce as their everyday meal. She worked hard as a real estate broker after college and invested her money to real estate properties that soon earned her 40% equity. Learning fro her work, she buys and sells using the bank's money wisely placing them according to her needs. She purchase whatever that has value and can be sold with interest and plan it financially. She recovered from having sky-high debts to rising assets using only what she has into a profitable cause.
Follow your parent’s advice, earn a degree.
Education is a key factor in understanding how money talks and that are by having one potential, being knowledgeable. Invest in your mind. Acquiring a degree is gearing yourself with skill that can be used and valuable in the market. Arturo Gonzalez, son of the Mexican railroad worker dreamt of making it on top. He has promised himself of two possibilities in his life, Harvard or Bust. Later on he was accepted and pulled himself with ambition to Harvard Law School. He then land a job in San Francisco based law firm and has an income about $ 740,000 in 2003, according to the American Lawyer Magazine. This undeniable manifest how education could earn you a living.
Positive attitude towards life spiced with perseverance.
Behavior towards work and the optimism that boost up your moral after you tried hart. Starting a small business is already hard enough, to most of people especially when the resources is scarce and debts is high, study shows 20% are struggling small enterprise, according to SBA ( Small Business Administration office of Advocacy).
Rossie Herman, 42 and a resident of Tomball, Texas had experience a lot of struggle just to get her she is now. She took all the risk even placing her in $ 75,000 debt going form one credit card to another which normally happens to about 46% of small business as of 1998, SBA says. She is a manicurist who has two daughters to raise and convicted herself to get out from debt. Often people slam their door in her face during her marketing strategy of house to house delivery." It was frustrating and tough", she admitted. Yet willingness to succeed paid off. The key there is not by quitting but pursuing.
Invest and Save.
The problem of the most entrepreneurs are recognizing only on what goes in the pocket but not knowing what goes out. Spend only what is not more than your budget and compromise from it. Save, save and play out to invest it when the economy is not shaky. One of Oprah’s best advices during her talk show is that a good financial planner must always sign their own checks. This is to monitor what is left and what needs to be saved or else you’ll end up bankrupt without even knowing it.
Time is always essential.
Multi tasking is the best way of achieving your goals in a short time, this means use your potential in dividing the task to others while focusing on what needs to be done. Most of us try to do a lot of things in a short amount of time and end up finishing nothing at all. Always get your priorities straight and focused baring in mind that investing on it will profit you in the end.
About the author:
Daegan Smith is the leader of the fastest growing team of successful home business enterpernuers on the net. Find out how we're creating financial freedom all across the globe and how to get in on the action FREE =>http://www.comlev.com Team Blog: http://www.turnkeyinternetbusiness.blogspot.com
7 Power Habits to Guarantee Financial Independence
Are you always running short of your funds? Do you still have to borrow money sometimes to at least live comfortably? Do you get to pay your bills on time?
If you answered mostly yes, then you are in danger of being financially unstable. You cannot afford the things you want and sometimes, even the things you need. Don’t go sulking out there! You better move your body. If such is the case, better tell yourself that you cannot afford to be that way always. You have to be financially independent.
What is financial independence? Financial independence is the capability to determine and support yourself through your own endeavors. There are 7 ways or habits for you to follow to gain financial independence. With the right attitude and the proper goal in mind, you might just find yourself beaming with pride because of your achievement.
1. Keep a focused vision
Start with a vision. What is your vision for your life? Where are you definitely heading? You want financial independence. You want to be able to stand on your own and have a more stable and secured life, for yourself and for your family.
Keep that vision in mind. Hold on to it as you start to realize that vision. The choices and decisions you will make in the future will have to head to the direction of your goal. Return to that vision when things get doubtful or tough.
2. Invest your money wisely
Generate income. Your income will be the financial foundation of your vision. This will basically come from your job’s income, but don’t settle with that.
Aim to increase your income. Invest your time, money and effort into a beneficial enterprise. Start a business that you feel passionately about and make sure it will work. Think carefully of every detail in your enterprise and work on it. Do not settle with good enough results. Aim for excellence, quality and integrity to succeed.
3. Save up
Start a fund for your future. Allot a percentage of your present income to savings. Do this at the start of each month, before you go ahead. This will avoid the enticement to buy, buy, buy. It will also teach you how to properly budget your money for necessary expenses.
Money in the bank could also earn interest. Although it is not considerable compared to a good investment, it is still a good way to keep money for your future. Just make sure you maintain the money in your savings account. Avoid touching it unless it is really necessary.
Give value also to your coins. Every single cent matters. All of those scattered coins you have there could comprise a few dollars. Even if it is considerably small amount, it will still find some use for that.
4. Spend wisely
Don’t spend all your earnings. As they say, don’t earn to spend. Buy only things that you really need. Tighten those belts for now as you bank for a more secured future. Choose to live simply. Forget the need to show off on other people that you can afford. If you want achieve financial independence, you must hold on to your money as much as possible.
Avoid incurring debts as much as possible. Take control of your finances as much as possible. Credit cards for example could hold you locked in a desperate state. You could be getting what you want now through that credit card, but imagine yourself giving the bulk of your income for interest payments! Make ends meet in the meantime for later on in life, you will surely afford to be leisurely.
5. Keep contingency plans
You must plan ahead for events in the future. Have contingencies. Make certain that your financial assets are secured. At this phase, it is a good option to get an insurance policy. Insure your life, health and property, even your loved ones.
Protect your interests whenever you enter into any engagement. Make sure that your endeavor is legal, that you are financially capable, and that it is feasible within your means. This way, you will have optimal performance and desirable results. You could prevent harmful losses in the long run.
6. Take care of yourself
Health is wealth. The only way for you to achieve your dreams and be able to stand on your own is when you are physically and psychologically able to do so. Have regular check ups with your physician. Have a healthy diet. Exercise Regularly. Health will be your asset to achieve financial independence. Only a good physical standing would allow you to enjoy the fruits of your toils today.
7. Be Unstoppable
You must keep yourself focused to achieve the goal of being financially independent. Do not let yourself be distracted by whimsical desires. Do not spray. Do not procrastinate. Every cent and every minute counts as what you do today will have a lot to say on what you will have in the future. Take advantage of every opportunity that will come your way. Keep yourself confident.
Tell yourself, you will not be a loser in this game. You have to make it!
About the author:
Daegan Smith is the leader of the fastest growing team of successful home business enterpernuers on the net. Find out how we're creating financial freedom all across the globe and how to get in on the action FREE =>http://www.comlev.com Team Blog: http://www.turnkeyinternetbusiness.blogspot.com
If you answered mostly yes, then you are in danger of being financially unstable. You cannot afford the things you want and sometimes, even the things you need. Don’t go sulking out there! You better move your body. If such is the case, better tell yourself that you cannot afford to be that way always. You have to be financially independent.
What is financial independence? Financial independence is the capability to determine and support yourself through your own endeavors. There are 7 ways or habits for you to follow to gain financial independence. With the right attitude and the proper goal in mind, you might just find yourself beaming with pride because of your achievement.
1. Keep a focused vision
Start with a vision. What is your vision for your life? Where are you definitely heading? You want financial independence. You want to be able to stand on your own and have a more stable and secured life, for yourself and for your family.
Keep that vision in mind. Hold on to it as you start to realize that vision. The choices and decisions you will make in the future will have to head to the direction of your goal. Return to that vision when things get doubtful or tough.
2. Invest your money wisely
Generate income. Your income will be the financial foundation of your vision. This will basically come from your job’s income, but don’t settle with that.
Aim to increase your income. Invest your time, money and effort into a beneficial enterprise. Start a business that you feel passionately about and make sure it will work. Think carefully of every detail in your enterprise and work on it. Do not settle with good enough results. Aim for excellence, quality and integrity to succeed.
3. Save up
Start a fund for your future. Allot a percentage of your present income to savings. Do this at the start of each month, before you go ahead. This will avoid the enticement to buy, buy, buy. It will also teach you how to properly budget your money for necessary expenses.
Money in the bank could also earn interest. Although it is not considerable compared to a good investment, it is still a good way to keep money for your future. Just make sure you maintain the money in your savings account. Avoid touching it unless it is really necessary.
Give value also to your coins. Every single cent matters. All of those scattered coins you have there could comprise a few dollars. Even if it is considerably small amount, it will still find some use for that.
4. Spend wisely
Don’t spend all your earnings. As they say, don’t earn to spend. Buy only things that you really need. Tighten those belts for now as you bank for a more secured future. Choose to live simply. Forget the need to show off on other people that you can afford. If you want achieve financial independence, you must hold on to your money as much as possible.
Avoid incurring debts as much as possible. Take control of your finances as much as possible. Credit cards for example could hold you locked in a desperate state. You could be getting what you want now through that credit card, but imagine yourself giving the bulk of your income for interest payments! Make ends meet in the meantime for later on in life, you will surely afford to be leisurely.
5. Keep contingency plans
You must plan ahead for events in the future. Have contingencies. Make certain that your financial assets are secured. At this phase, it is a good option to get an insurance policy. Insure your life, health and property, even your loved ones.
Protect your interests whenever you enter into any engagement. Make sure that your endeavor is legal, that you are financially capable, and that it is feasible within your means. This way, you will have optimal performance and desirable results. You could prevent harmful losses in the long run.
6. Take care of yourself
Health is wealth. The only way for you to achieve your dreams and be able to stand on your own is when you are physically and psychologically able to do so. Have regular check ups with your physician. Have a healthy diet. Exercise Regularly. Health will be your asset to achieve financial independence. Only a good physical standing would allow you to enjoy the fruits of your toils today.
7. Be Unstoppable
You must keep yourself focused to achieve the goal of being financially independent. Do not let yourself be distracted by whimsical desires. Do not spray. Do not procrastinate. Every cent and every minute counts as what you do today will have a lot to say on what you will have in the future. Take advantage of every opportunity that will come your way. Keep yourself confident.
Tell yourself, you will not be a loser in this game. You have to make it!
About the author:
Daegan Smith is the leader of the fastest growing team of successful home business enterpernuers on the net. Find out how we're creating financial freedom all across the globe and how to get in on the action FREE =>http://www.comlev.com Team Blog: http://www.turnkeyinternetbusiness.blogspot.com
Are You Still Looking For A Job?
Most people I know are unhappy with their jobs. The alarm clock becomes the enemy at 6:00 o’clock on a Monday morning as its shrill cry signals the end of an all too short weekend mini-break. But, spurred on by the thought of a paycheck guaranteed to be there whether the mind accompanies the body to work that day or not, they make the noble sacrifice and head out into the big, brave job world.
Statistics show that Home-based businesses are the hottest and fastest growing segment of the American economy. By the end of 2005 it is predicted that as many as 75% of the working population will be working from their homes.
Most people would love to have a work from home job - one where they can stay at home and work for someone else just like they do in the office.
Have you looked around the Internet at the "work from home jobs"? They are mainly for the highly specialized professions - programmers, medical and legal transcriptionists, graphic designers and for project specialists in fields such as technology research. I don't know about you but my expertise in these fields is almost zero and I am sure that is true for the majority of the population of planet earth.
To my mind these highly specialized jobs not only appeals to a very tiny segment of the home-job-seeking population, they also do not offer much flexibility. You don't get to pick your clients, your co-workers, or your hours on the job. In effect you become a telecommuter with a supervisor who wants to dictate your every move just to make sure you are really working. What is worse is that telecommuters are still subject to the company's employment policies and procedures and are definitely not in control of their working environment.
Most people who want a home-based business are not willing to exercise the discipline it would take to start earning the thousands of dollars the gurus and top Home Business marketers claim can be made so easily. They are content with making just enough to pay the bills and have a stress-free work environment.
The pros of a successful Home-based Business far outweigh the cons. A Home Business can be anything you want it to be – A messenger service, a hairdressing salon, affiliate marketing, an Internet franchise, a bookstore, etc. The world is your oyster, and if your business is an online one, you can create the business you really want. Just think, you could be leaping out of bed each morning excited and ready to begin work instead of prying yourself out of bed dreading the thought of returning for even one more day to a job you hate and a boss you despise.
The corporate world has become increasingly unpredictable . I have relatives and friends who have changed jobs numerous times in the last 5-7 years. You would think these are entry level earners but most of them have MA's, PHD's and advanced university degrees. Twenty years ago, one could bank on having just 2-3 jobs in their lifetime, the average is now between 8-16.
The corporate world is changing rapidly. Companies are downsizing or relocating to countries that have cheaper labor costs. This trend is set to continue. Even if you possess those rare skills I mentioned earlier, you still won't be in full control of your job situation until you have your own home business.
With your own home business you are in the driver's seat; you are the boss! You set the goals and you decide the fate of your company. You will never get laid off because the company you work for is relocating or downsizing.
The best part is, that when you own your own home business, you get to have leisure time and vacations whenever you want. You call the shots because you are in control of your destiny! And, even though you may have heard it many times before, owning your own business is, without a doubt, your surest pathway to accumulating true wealth.
Still looking for a JOB? Whether it is an office job or you are telecommuting - it is still a "JOB". Someone else is still putting a cap on what your lifetime earnings would be worth. It’s time to lift the ceiling. Start thinking seriously about setting up and growing your own home business. You will find a satisfaction deep inside that you never knew your work could provide, and the Monday Morning Blues will be a thing of the past.
About the author:
Profit Marketer Janice Sharman runs the Sure Profits Center where you can find ALL the Home Business Internet Marketing Information and Resources You Need to Start and build your own Home business! Grab your Free 'Secrets To Sure Profits' Newsletter at http://www.profits4sure.com
Statistics show that Home-based businesses are the hottest and fastest growing segment of the American economy. By the end of 2005 it is predicted that as many as 75% of the working population will be working from their homes.
Most people would love to have a work from home job - one where they can stay at home and work for someone else just like they do in the office.
Have you looked around the Internet at the "work from home jobs"? They are mainly for the highly specialized professions - programmers, medical and legal transcriptionists, graphic designers and for project specialists in fields such as technology research. I don't know about you but my expertise in these fields is almost zero and I am sure that is true for the majority of the population of planet earth.
To my mind these highly specialized jobs not only appeals to a very tiny segment of the home-job-seeking population, they also do not offer much flexibility. You don't get to pick your clients, your co-workers, or your hours on the job. In effect you become a telecommuter with a supervisor who wants to dictate your every move just to make sure you are really working. What is worse is that telecommuters are still subject to the company's employment policies and procedures and are definitely not in control of their working environment.
Most people who want a home-based business are not willing to exercise the discipline it would take to start earning the thousands of dollars the gurus and top Home Business marketers claim can be made so easily. They are content with making just enough to pay the bills and have a stress-free work environment.
The pros of a successful Home-based Business far outweigh the cons. A Home Business can be anything you want it to be – A messenger service, a hairdressing salon, affiliate marketing, an Internet franchise, a bookstore, etc. The world is your oyster, and if your business is an online one, you can create the business you really want. Just think, you could be leaping out of bed each morning excited and ready to begin work instead of prying yourself out of bed dreading the thought of returning for even one more day to a job you hate and a boss you despise.
The corporate world has become increasingly unpredictable . I have relatives and friends who have changed jobs numerous times in the last 5-7 years. You would think these are entry level earners but most of them have MA's, PHD's and advanced university degrees. Twenty years ago, one could bank on having just 2-3 jobs in their lifetime, the average is now between 8-16.
The corporate world is changing rapidly. Companies are downsizing or relocating to countries that have cheaper labor costs. This trend is set to continue. Even if you possess those rare skills I mentioned earlier, you still won't be in full control of your job situation until you have your own home business.
With your own home business you are in the driver's seat; you are the boss! You set the goals and you decide the fate of your company. You will never get laid off because the company you work for is relocating or downsizing.
The best part is, that when you own your own home business, you get to have leisure time and vacations whenever you want. You call the shots because you are in control of your destiny! And, even though you may have heard it many times before, owning your own business is, without a doubt, your surest pathway to accumulating true wealth.
Still looking for a JOB? Whether it is an office job or you are telecommuting - it is still a "JOB". Someone else is still putting a cap on what your lifetime earnings would be worth. It’s time to lift the ceiling. Start thinking seriously about setting up and growing your own home business. You will find a satisfaction deep inside that you never knew your work could provide, and the Monday Morning Blues will be a thing of the past.
About the author:
Profit Marketer Janice Sharman runs the Sure Profits Center where you can find ALL the Home Business Internet Marketing Information and Resources You Need to Start and build your own Home business! Grab your Free 'Secrets To Sure Profits' Newsletter at http://www.profits4sure.com
Great Work at Home Jobs for college students
Many college students have the challenge of paying their own carer expenses and others want to start earning some money to cover their living expenses as college students, but sometimes it seems difficult to find a decent paying job for a student and you just have limited time to work.
But there is a way to start saving money and increasing your income while you are in college. There are different work at home jobs for college students that can be done part time, without living home or in your free time.
You might have heard of some work at home jobs that can be done online like, paid to surf, paying surveys, data entry, filling forms, customer service, writing, graphic design, programming, etc. this are just some of the jobs you can do online and be paid for it.
You can earn some decent income a month working just a few hours a day, if you have any special skills you can get paid very well. The fact that you are a college student is an advantage, it means that you have knowledge on certain areas of your carer and you can write proper english. There are a lot of people that would pay you good money to write articles for their websites, research information, write ebooks and do simple tasks.
There are a lot work at home jobs for college students, just think of the knowledge you already learned in school, there are thousands of sites that need, updated information on just any kind of subject. You can contact this sites directly or you can do it with the freelance sites.
On the freelance sites you can choose what job you want to do and bid how much you want to get paid to get the job done, if the employer choose you, you have the work. Its very simple and secure, so you don't risk anything and you will get paid for your work on time.
Work at home jobs for college students is a reality, there are no more excuses to not earn an income while studying. Define your skills, passions and knowledge and look for jobs related to them on the freelance networks. If you dedicate just a few hours a day to your freelance job, you can earn from a few hundred to thousands a month, you just have to get it done. The more experience and good feedback you get, the better you will get paid.
Claim your Free Report on How to make passive income online and Learn how to find the best freelance jobs step by step, visit: http://howtogetridofyourjob.com
College Degree Is Worth $ 2.1 Million In Future Income
“And once earned, a college degree is forever, as the payoff from higher education can never be erased, broken, or laid off.”
It was estimated by the US Census Bureau that a bachelor degree holder earns approximately $2.1 million over 40 years of his working life. The drastic truth is that a college graduator can expect to earn nearly a million dollar more than his school-educated neighbor does. This sizeable stretch and notable disparity of lifetime earnings raised demand, boosted popularity, and consolidated American firm faith in the value and significance of higher education.
According to the survey conducted for the Chronicle of Higher Education the American nation continues to have a confidence in the value of a college degree, with more than the half of respondents saying “it is essential for success.”
The fact that college education is rewarding financially and economically to the individuals and the entire country is not a secret for anybody. An economic value of qualified and competent specialists is notable and reflects as a weighty factor, which has a great impact on the rapid economic growth of the country.
Benefits you can reap of higher education
However, there is a number of benefits you can get from getting a college degree:
1. First, college degree is your guarantee of financial independence, stability and secure future you can enjoy, having a steady profession and being armed with a set of practical skills and sound knowledge.
2. The world is changing constantly, so no one knows what to expect tomorrow. Therefore, we should be ready for everything, having a solid ground under our feet. Higher education is your solid ground, which can provide you with a confidence for future, and immunity from economical drops.
3. Higher education can give you an opportunity to master a profession with good job opportunities and skills, which are in demand. After all, education permits you to have steady and gross income.
4. A college degree gives you a great chance to be a master of your own life. Educated person has much more leeway and freedom of choice not only in the respect of career opportunities, but also in sense of moral and spiritual values.
5. Higher education can provide you with a possibility to be a free thinker, to see obvious in hidden implication, to analyze, generalize, and make conclusions. In a word, it uncovers the essence of being and helps increase the understanding of the world.
6. You can realize the most cherished and precious dreams of yours, to become a pilot, to have a gorgeous house on the seaside, to have a chic expensive car….Education makes your dreams come true.
7. Higher education expands your knowledge base, sharpens your critical thinking, and consolidates your confidence.
8. “Your college experience can be both life affirming and career enhancing. The classroom and the coursework expose you to diverse people and ideas.”
Overall, it is practically impossible to enumerate all the opportunities you can get with a college degree in hands and acquired knowledge in brain, though you should remember the only one thing that the world higher education opens before you is boundless and versatile.
Education gives you something that can’t be measured in terms of money that you can earn. It is impossible to place power, freedom, and independence you possess being educated on the same footing as material benefits you can enjoy. You can’t buy it for any price, but can easily get with higher education.
About the author:
Linda Correli is a staff writer of http://www.CustomResearchPapers.usand an author of the popular online tutorial for students "What Teachers Want: Master the Art of Essay Writing in 10 Days", available at http://www.Go2Essay.com
It was estimated by the US Census Bureau that a bachelor degree holder earns approximately $2.1 million over 40 years of his working life. The drastic truth is that a college graduator can expect to earn nearly a million dollar more than his school-educated neighbor does. This sizeable stretch and notable disparity of lifetime earnings raised demand, boosted popularity, and consolidated American firm faith in the value and significance of higher education.
According to the survey conducted for the Chronicle of Higher Education the American nation continues to have a confidence in the value of a college degree, with more than the half of respondents saying “it is essential for success.”
The fact that college education is rewarding financially and economically to the individuals and the entire country is not a secret for anybody. An economic value of qualified and competent specialists is notable and reflects as a weighty factor, which has a great impact on the rapid economic growth of the country.
Benefits you can reap of higher education
However, there is a number of benefits you can get from getting a college degree:
1. First, college degree is your guarantee of financial independence, stability and secure future you can enjoy, having a steady profession and being armed with a set of practical skills and sound knowledge.
2. The world is changing constantly, so no one knows what to expect tomorrow. Therefore, we should be ready for everything, having a solid ground under our feet. Higher education is your solid ground, which can provide you with a confidence for future, and immunity from economical drops.
3. Higher education can give you an opportunity to master a profession with good job opportunities and skills, which are in demand. After all, education permits you to have steady and gross income.
4. A college degree gives you a great chance to be a master of your own life. Educated person has much more leeway and freedom of choice not only in the respect of career opportunities, but also in sense of moral and spiritual values.
5. Higher education can provide you with a possibility to be a free thinker, to see obvious in hidden implication, to analyze, generalize, and make conclusions. In a word, it uncovers the essence of being and helps increase the understanding of the world.
6. You can realize the most cherished and precious dreams of yours, to become a pilot, to have a gorgeous house on the seaside, to have a chic expensive car….Education makes your dreams come true.
7. Higher education expands your knowledge base, sharpens your critical thinking, and consolidates your confidence.
8. “Your college experience can be both life affirming and career enhancing. The classroom and the coursework expose you to diverse people and ideas.”
Overall, it is practically impossible to enumerate all the opportunities you can get with a college degree in hands and acquired knowledge in brain, though you should remember the only one thing that the world higher education opens before you is boundless and versatile.
Education gives you something that can’t be measured in terms of money that you can earn. It is impossible to place power, freedom, and independence you possess being educated on the same footing as material benefits you can enjoy. You can’t buy it for any price, but can easily get with higher education.
About the author:
Linda Correli is a staff writer of http://www.CustomResearchPapers.usand an author of the popular online tutorial for students "What Teachers Want: Master the Art of Essay Writing in 10 Days", available at http://www.Go2Essay.com
3 Alternatives For Investing For Your Child’s Higher Education Costs
With higher education tuition increasing at double digit year over year percentages an effective saving plan for your kid’s education is becoming much more important than it has been before. Most families will discover that their future higher education costs will be much more than they have saved for their kid’s education. This leaves many kids to be faced with obtaining financial aid to pay for a portion of their college education. The goal of this article is to explore the pros and cons of 4 common investment options when saving for college. This article will also explore why some of these options are better than other when considering a portion of your kid’s education may be funded by financial aid.
529 College Savings Plan: - A 529 college savings plan is a fairly new investment option for college saving. It allows just about anyone to save for college. There is a long list of benefits of a 529 college savings plan, but perhaps the most important is that your earnings grow tax free if you use it for qualified education expenses. Additionally, the maximum amount you can contribute to a 529 plan can go as high as several hundred thousand dollars depending on your State. In the event you do not use the funds for college, you can still withdrawal your earnings, but you will have to pay taxes and a 10% penalty. The penalty will be waived if your child receives a scholarship, or your child becomes disable or dies.
529 plans can typically be purchased through a broker or mutual fund company, but a disadvantage is that investment choices can sometimes be limited. Since qualifying for financial aid is based on a calculation that considers your kids assets, another big benefit of a 529 college savings plan is that the money in the plan is classified as a parents assets so less that 6% of the value counts against your kid’s financial aid eligibility.
Uniform Gifts to Minors Act/Uniform Transfers to Minors Act
(UGMA/UTA Custodial Account): - The benefit of a UMGA/UTA Custodial Account is that there is no limit on the contribution and it is easy to set up at most financial institutions. However, the limitations far outweigh the benefits. The first limitation of a UMGA/UTA Custodial Account is that these types of accounts offer very little tax advantage. If your child is under 14, only the first $800 of income is tax free, the next $800 is taxed at your child’s tax rate and after that there is no tax benefit at all. The other big limitation is that the account has to be set up in your child’s name. As a result, if your child needs financial aid all of the assets will be reviewed at a 35% rate. Therefore, this type of account is not advisable for those who may need financial aid.
Coverdell Education Savings Account (CESA): - A Coverdell Education Savings Account is very similar to a 529 college savings plan. The main difference is that with a Coverdell Education Savings Account you can only contribute $2000 per child and to qualify your adjusted gross income must be less than $110,000 if single and less than $220,000 if married filing jointly. The account is classified as a parent’s asset so less that 6% of the value counts against your kid’s financial aid eligibility.
In the end, parents should consider planning for college to be a highly important process. The above 3 alternatives can make this process much more easy and financially sound.
Copyright (c) 2005, by Jay Fran. This article may be freely distributed as long as the copyright, author's information and the below active live link is published with the article.
About the author:
http://www.motorcycle-financing-guide.com/directory/directory.phpJay Fran is a successful author and publisher at Motorcycle-Financing-Guide.com, a website that offers a wide selection of online motorcycle lenders providing online application facilities for motorbike - motorcycle loans or motorcycle refinancing.
529 College Savings Plan: - A 529 college savings plan is a fairly new investment option for college saving. It allows just about anyone to save for college. There is a long list of benefits of a 529 college savings plan, but perhaps the most important is that your earnings grow tax free if you use it for qualified education expenses. Additionally, the maximum amount you can contribute to a 529 plan can go as high as several hundred thousand dollars depending on your State. In the event you do not use the funds for college, you can still withdrawal your earnings, but you will have to pay taxes and a 10% penalty. The penalty will be waived if your child receives a scholarship, or your child becomes disable or dies.
529 plans can typically be purchased through a broker or mutual fund company, but a disadvantage is that investment choices can sometimes be limited. Since qualifying for financial aid is based on a calculation that considers your kids assets, another big benefit of a 529 college savings plan is that the money in the plan is classified as a parents assets so less that 6% of the value counts against your kid’s financial aid eligibility.
Uniform Gifts to Minors Act/Uniform Transfers to Minors Act
(UGMA/UTA Custodial Account): - The benefit of a UMGA/UTA Custodial Account is that there is no limit on the contribution and it is easy to set up at most financial institutions. However, the limitations far outweigh the benefits. The first limitation of a UMGA/UTA Custodial Account is that these types of accounts offer very little tax advantage. If your child is under 14, only the first $800 of income is tax free, the next $800 is taxed at your child’s tax rate and after that there is no tax benefit at all. The other big limitation is that the account has to be set up in your child’s name. As a result, if your child needs financial aid all of the assets will be reviewed at a 35% rate. Therefore, this type of account is not advisable for those who may need financial aid.
Coverdell Education Savings Account (CESA): - A Coverdell Education Savings Account is very similar to a 529 college savings plan. The main difference is that with a Coverdell Education Savings Account you can only contribute $2000 per child and to qualify your adjusted gross income must be less than $110,000 if single and less than $220,000 if married filing jointly. The account is classified as a parent’s asset so less that 6% of the value counts against your kid’s financial aid eligibility.
In the end, parents should consider planning for college to be a highly important process. The above 3 alternatives can make this process much more easy and financially sound.
Copyright (c) 2005, by Jay Fran. This article may be freely distributed as long as the copyright, author's information and the below active live link is published with the article.
About the author:
http://www.motorcycle-financing-guide.com/directory/directory.phpJay Fran is a successful author and publisher at Motorcycle-Financing-Guide.com, a website that offers a wide selection of online motorcycle lenders providing online application facilities for motorbike - motorcycle loans or motorcycle refinancing.
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