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Taking Care Of All Your Computing Needs

Hi, Star-Tech Services will take care of all your computing needs. We provide residential and small business with quality,experienced and professional computer/technical repair services in an affordable, reliable and friendly manner. Come visit out website at; www.star-techservices.com or send an email to Help@Star-TechServices.com for a telephone consultation.

By Star-Tech Services

Back to School Financial Fitness - Part 2

In our last entry, we identified that being a college student can be hard on the wallet. Let’s continue our conversation on ways to keep you financially fit while in college. Reduce Spending: Avoid Budget Busters Do you shop at large discount stores? Have you joined a food co op or regularly clip coupons? Stock up on snack foods, toiletries and office supplies before you get to campus or make one of your first shopping trips to the local Wal-Mart or Costco. Avoid impulse spending and purchasing big ticket items right away. Split costs with your roommate and keep your cash in the bank. Use a debit card for withdrawals and have a checking account to pay bills. Make sure your bank has a local ATM to avoid those withdrawal fees when you use banks outside of your network. Don’t spend extra money paying for money orders. Most banks will have lots of free offers. Take advantage of the free checking and pass on the credit card. Avoid Credit Cards Every bank and credit card company will want to give you a card. If possible, try not to get sucked in. If you want to establish credit, do your research. What are the annual fees and what is the interest rate? Under what conditions does the rate change? If you have a card, make it a practice to pay more than the minimum. Make a plan to pay off your card early by budgeting your payments accordingly. Beware of “teaser” rates, balance transfers, payment holidays, or claims for no payment for some period of time. Anything advertised as free usually isn’t. Request a copy of your credit rating to know where you stand and regularly monitor for identity theft. Keep good records and pay your bills on time. Develop Healthy Spending Habits Living on your own and controlling your own money can be exciting and scary. What kind of spender are you? Do you shop on impulse? Do you comparison shop, waiting for the best deal? Are you generous, treating friends and roommates? What is your policy on lending money to friends? Lending money is a tricky situation and even amongst good friends, can be problematic. Many friendships and credit ratings are destroyed over loans made in the spirit of friendship. Waiting for someone to pay you back or make a charge payment can get you in trouble really quickly. My policy is not to lend unless I am willing to give it as a gift and not get repaid. The spending habits you develop now will follow you throughout your adult life. Actually, this is the one time in your life that being broke is okay. Most people don’t expect college students to have a lot of money, so living on a budget is ok. What you don’t want is to be living like a college student when you’re 40! Doing without, delaying gratification while you’re in school can pay off later when it really matters. Save, Save, Save Get into the practice of saving. If you have some regular income coming in from employment, discipline yourself by putting away some portion and not touching it during the month. Try to stick to it and you’ll be surprised what you can save. You are also saving when you can reduce your expenses and put that savings in the bank. Look for Internships Did you know that there are many scholarships, internships and work study opportunities that can save you money on tuition, room and board, provide summer employment and introduce you to your first fulltime employer? Don’t wait until senior year to look. Many companies look for summer analysts or interns to work in their junior year and come back after graduation. Network with students, professors and alumni. Find a mentor to help you make the transition from college life to the work world. Keep your Eye on the Future Remember what you’re in school for. You have some long term goals you want to achieve so don’t let short term decisions throw you off track. Maybe you want to buy your own home, a nice car, or a vacation home. Maybe you want to travel or start your own business. Maybe you want to marry and start a family. Maybe you already have a family to care for. How much you are willing to pay for college is up to you as is the amount of debt you are willing to take on. But…do you expect to be paying these bills 20 years from now? Also consider how undergraduate debt will impact on your ability to pay for graduate school or professional school? Always look at the bigger picture to help you plan and stay on track. And Remember: Be SMART About Money Save Manage spending Avoid credit cards Reduce debt Take care of your credit rating

By Student Funding Group

Back to School Financial Fitness - Part 1

It’s just about that time of year again. For the new college student heading off to college for the first time, or the returning Sophomore, Junior, or Senior, you know getting your finances in order is sometimes harder than the courses you’ll be taking. Perhaps the problem starts with a struggle to pay registration bills in time for the first day of classes. For some students, crunch time comes when they find themselves a couple of bucks short for the text books they need to buy. Maybe you’ll be one of the lucky students who have been able to meet all the expected and unexpected expenses of college. But, if you’ve been paying attention to the news, you know that we are all faced with a recession and skyrocketing costs which will require that we all tighten our belts. Full time college attendance makes it difficult to work more hours or expand savings to pay for things we need, and figuring out how to deal with finances while handling coursework can be particularly stressful. To help you out, here are some tips to keep you financially fit: Arrange for Financial Aid Early One of the first things that you should make sure you do is arrange all of your student financial aid as early as possible. This starts with submitting the FAFSA online in January. Many state grant programs have early Spring deadlines and applying late can keep you from qualifying for these monies. Colleges have limited amounts of funding for scholarships and grants, college work study and Perkins loans. Submitting financial aid information late may prevent you from participating in these programs. If you need a loan, shop around and find the best rates. Always first take advantage of federally guaranteed loans like the and PLUS. The provides loans to students and the PLUS loans are available for parents. Eligibility for PLUS loans is dependent on credit ratings The loans offer low interest rates, allow deferment of payments while the student is in school and do not require a credit check. Plus you can get additional monies in the form of a unsubsidized loan if your parents are turned down for a PLUS loan. Everyone is eligible for Unsubsidized loans regardless of income. In addition, starting in July, the government has increased the amount students can borrow for these loans. 1st year dependent undergrad can borrow up to $3,500 (last year - $2,625) 2nd year dependent undergrad can borrow up to $4,500 (last year - $3,500) 1st year independent undergrad can borrow up to $7,500 (last year - $6,625) 2nd year independent undergrad can borrow up to $8,500 (last year - $7,500) Graduate Professional students - $20,500 (last year – $18,500) Speak with your Financial Aid Office early about this. In any case, apply early because it takes a couple of weeks to process the loan, obtain school certification, and sign the promissory note. Don’t wait until Fall registration to do this or the chances are likely that you will not have sufficient funding to attend school. For incoming freshman who will probably register in person, review the costs and be expected to pay for your classes after registering. While students already enrolled have probably completed registration online and been billed accordingly, late registration or in person registration has less preparation time, so be prepared to pay the bill. Create a College Loan Repayment Plan Don’t wait until senior year to think about repaying your college loans. Limit your borrowing. Consider paying interest costs year to year rather than allowing them to “capitalize” within the loan. Compounded interest can increase the total amount of your loan quickly and thereby increase the amount you will ultimately have to repay. Find other ways to reduce your college costs so you can borrow less. Look at opportunities to be a resident or dorm advisor or work security in order to eliminate or reduce room and board costs. Maybe it is cheaper to rent off campus, sharing costs with other roommates, or arrange to stay with a relative or commute to school. In any of these scenarios, you can save thousands of dollars. Preparing your own meals can also significantly reduce board fees. Research loan forgiveness programs, such as Teach or Peace Corps. Find employers in the public and private sector that reimburse tuition or pay off loans. These companies should be on the top of your list once you begin your job hunting. Also make sure that the career you are pursuing pays a salary that will allow you to pay off your debt. Create a College Budget Before you arrive on campus, you should have a realistic budget. How much money will you need on a monthly basis? Don’t forget to factor in unforeseen expenses like car repairs, insurance, medical and dental emergencies. Don’t forget telephone charges, text books and entertainment. These expenses can get out of hand very quickly. Have you budgeted savings and the flight home for the holidays? To be continued… In the next entry, we’ll look at tips like avoiding credit cards, free money options, and developing good spending habits!!

By Student Funding Group