BWW Exclusive: Broadway On A Budget: A Broke College Student’s Guide

Now that July has started with a massiveheat-wave, a comparison can be made between the high temperature outside and the current average price of Broadway tickets. This can cause theatre fans to feel stuck between a rock and a hard place, if they don’t know the following tips to make seeing your favorite shows a little easier.
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Affordable Dorm Decor Your New College Student Will Love

It’s amazing how time flies, huh? Just yesterday, you were in the hospital, cradling your newborn baby in your arms. Then you blinked and they were in a cap and gown accepting their high school diploma. And you know what that means, right, Mama? Time to break out your credit card — you’ve got a dorm to decorate. 

When you become a parent, you quickly start to realize the bittersweet dichotomy of milestones. You’re ecstatic when your toddler takes that first step, but it also breaks your heart a little knowing that those steps will eventually take them out your door and into the world. So, when the day comes to kiss your “baby” goodbye as you drop them off at college, we understand those tears you cry might be both happy and sad. Let us take some stress off your plate so you can squeeze in every second of quality time in with your new college student. We’ve curated a collection of affordable dorm decor your young adult is sure to love.

Cactus landscape tapestry

Affordable Dorm Decor Cactus Landscape Tapestry

Even when they’re stuck inside studying (sure, Mom, that’ll happen!), your college kid will at least have a lovely desert landscape to look at. 

Cactus landscape tapestry, $ 38.99 at Urban Outfitters

DIY light box LED

Affordable Dorm Decor DIY Light Box LED

Coming up with clever words and phrases for this light box will provide a perfect outlet for your student’s procrastination. 

Light box, $ 18.99 at Target

Yin-yang wall clock

Affordable Dorm Decor Yin Yang Wall Clock

Circa early-2000s-era rap is big with “the kids” these days, and this clock plays tribute to it in the most brilliant (and punny) way. 

Yin-yang 12-inch wall clock, $ 28.99 at Urban Outfitters

Aqua clip lamp

Affordable Dorm Decor Aqua Chip Lamp

As a mother, you’ll appreciate the practicality of this lamp that clips right onto a nightstand or headboard. Plus, the aqua color makes it super-cute and on-trend. 

Aqua clip lamp, $ 5.99 at Target

Baroque wall mirror

Affordable Dorm Decor Baroque Wall Mirror

For the student who needs a daily dose of glam in their life, this baroque mirror will dress up the dorm walls on a dime. 

Better Homes and Gardens baroque wall mirror, $ 19.99 at Walmart

Polka-dot mini-planter

Affordable Dorm Decor Polka Dot Mini Planter

Aside from being entirely too cute to handle, this polka dot mini planter offers an ideal repository for some dorm room greenery. 

Lekha footed mini-planter, $ 11.99 at Urban Outfitters

Classic procrastinator pen set

Affordable Dorm Decor Classic Procrastinator Pen Set

These pens pull double duty as writing utensils and decor. Leave an artful stack of the statement-makers (“Deadline schmeadline”) on a desk, and voilà! 

Classic procrastinator pen set, $ 9 at ModCloth

Feminist wall tapestry

Affordable Dorm Decor Feminist Wall Tapestry

When you’ve got a kid who champions equal rights for all, you’ll be beaming with pride to see them hang a statement like this on their wall. 

Feminist wall tapestry, $ 15 at Urban Outfitters

Småstarr duvet cover set

Affordable Dorm Decor Duvet Cover Set

At only $ 20, this duvet cover and pillowcase set is a steal! Bonus? The plucky pink, teal and black dots are a smart combo of chic and happy. 

Smastarr duvet cover and pillowcase set, $ 19.99 at IKEA

Macramé boho wall garland

Affordable Dorm Decor Macrame Garland

Who would have thought after all these years that macramé would be having another major moment? This boho garland is great for adding texture. 

Macramé boho wall garland, $ 16 at Amazon

Geometric table lamp

Affordable Dorm Decor Geometric Table Lamp

Everyone knows the artificial glow of fluorescent lights is harsh (and admittedly unflattering for selfies). This trendy geometric table lamp is a much better alternative. 

Geometric table lamp, $ 28.15 at Target

Black global oversize lumbar throw pillow

Affordable Dorm Decor Black Global Oversized Lumber Throw Pillow

No black-and-white dorm room decor would be complete without this lumbar pillow with global appeal. 

Global-style throw pillow, $ 19.99 at Target

Flokati faux-fur backrest in blush

Affordable Dorm Decor Flokati Faux Fur Backrest

When making it through one more chapter of that American history textbook seems impossible, this faux-fur flokati backrest will keep your student comfortable. 

Flokati faux-fur backrest, $ 29.99 at Bed Bath & Beyond

Woven pink accents rug

Affordable Dorm Decor Woven Pink Accents Rug

Since painting dorm room walls is off-limits, a throw rug with a punchy splash of color will help make the space pop. 

Woven pink accents rug, $ 9.99 at Target

“Nap first…” lumbar pillow

Affordable Dorm Decor Lumbar Pillow

A hot-pink and gray color combo paired with an oh-so-apropos message makes this pillow a no-brainer for your student’s dorm room. 

“Nap first, adult later” lumbar pillow, $ 16.99 at Target

Umbra dangle photo display wall collage

dangling photo display

Hang a few photos of yourself from this wall collage before you leave campus to ensure your new college student remembers to call home occasionally. 

Photo display wall collage, $ 19.99 at Bed Bath & Beyond

“You Are Awesome Sauce” tea towel set

Affordable Dorm Decor 'You Are Awesome Sauce' Tea Towels

These tea towels are a little bit sweet, a little bit spicy and a whole lotta cute. Who wouldn’t want a shot of this positivity every day? 

“You Are Awesome Sauce” tea towel set, $ 20 at ModCloth

Charging station & organizer

Affordable Dorm Decor: Charging Station & Organizer

Kids today have a bevy of electronic devices at their fingertips. This charging station caddy corrals them all, plus it has a built-in piggy bank! 

Charging station and organizer, $ 24 at Amazon

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This $1K Scholarship Covers College, Tech, Career or Online Education Costs


Everyone deserves a second chance, right?

The American Fire Sprinkler Association thinks so — and that’s why it created its Second Chance scholarship.

The scholarship is open to anyone with a high school diploma or GED certificate who is ready to go to college or attend a trade school — even if it’s been a little while since high school.

(And if you’re looking for more scholarship opportunities that can help you pay for school, be sure to like our college page on Facebook. We post awesome new scholarship opportunities there whenever we find them.)

Enter to Win $ 1,000 in the AFSA Second Chance Scholarship Contest

Here’s how you can enter to win $ 1,000 in the AFSA Second Chance Scholarship Contest to help pay for tuition or books.

Amount awarded: $ 1,000

Number of scholarships awarded: 5

To qualify for this scholarship, applicants must:

  • Be a citizen or legal resident of the U.S.
  • Have a high school diploma or GED certificate.
  • Be enrolled or planning to enroll for the spring 2019 semester at an accredited two- or four-year college, university or technical, career or online school. (You can check accreditation through the U.S Department of Education or the Council for Higher Education Accreditation.)
  • Not be related to an AFSA staff or national board member.
  • Not be a past winner of an AFSA scholarship contest.

Applicants must:

  • Submit a completed entry form on the AFSA website.
  • Complete a quiz about fire sprinklers and fire safety that follows the online entry form.

Scholarship deadline: August 31, 2018 at 11:59 p.m. Central time.

Five winners will be selected randomly and contacted within 14 business days of the entry period closing.

You can read the rest of the official rules and guidelines here.

Then, be sure to check out our list of 100 more college scholarships you can apply for.

Grace Schweizer is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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College sports doctors under new scrutiny amid scandals

Allegations of sexual abuse carried out over decades by team physicians at Michigan State and Ohio State are sending ripples through university athletics departments, with some schools exploring whether more oversight is needed for figures in such powerful positions.

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Childhood sibling dynamics may predict differences in college education

The effects of sibling relationships may go beyond childhood bickering and bonding, according to researchers who found that these relationships may predict similarities and differences in siblings’ education later in life.
Infant and Preschool Learning News — ScienceDaily

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The Royal College of Art Pitches a Two-Hour ‘Immersive Experience’ Show

LONDON — The Royal College of Art departed from tradition for this year’s annual fashion show showcasing works from 50 students across men’s wear, women’s wear, footwear and accessories.
Swapping the traditional catwalk for an immersive experience, the event was dubbed “A Walk Without a Cat,” and was filled with dance performances, talks and installations.
The show was held at 180 Strand, home of London Fashion Week, and upon arrival, guests were escorted through revolving doors where they were greeted by women’s wear student Sinéad O’Dwyer’s collection — a group of nude models wearing transparent body-cast molds made from fiberglass.
Guests were directed to the main seating area where they walked past works by accessories student Ramlah Wraich, who presented a collection of body-part embellished clutches, and footwear student Tabitha Ringwood’s twisted leather shoes.
The show started with a musical performance by women’s wear student Thibaut Knapp. Women’s wear student Renata Brenha Ribeiro’s collection, inspired by Latin American food and rituals, followed soon after. Models wore large headpieces that looked like dried chillies with bunched and textured dresses. Guests were presented with trays of mashed-up food that tasted like meat, but servers were unable to identify the exact ingredients.
Men’s wear student Anna Talvi took

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Discover Is Offering Employees a Free College Education. Here Are the Rules


If imitation is the sincerest form of flattery, Walmart should be pretty flattered right now.

Why? Because Discover, the financial-services company, just announced a similar plan to the retail giant’s for sending employees to college (minus the whole $ 1 a day thing) — right down to two of the schools involved.

The gist of the new benefit is pretty much the same: Discover will now give all U.S.-based employees the opportunity to earn a bachelor’s degree for free.

The Discover College Commitment  

The new benefit, called the Discover College Commitment, will be available to all U.S.-based full-time or flex part-time employees who want to receive their first bachelor’s degree. According to the company, nearly 90% of its employees who do not have a postsecondary degree work in the customer care centers, which are all U.S.-based.

After any grants have been applied, the company will cover any remaining tuition, fees, books and supplies. Tuition will be paid directly to the employee’s school of choice, while spending on qualified books, supplies and fees will be reimbursed.

Eligible employees can enroll in online degree programs at three universities — Wilmington University in Delaware, Brandman University in California or the University of Florida — and can choose from one of a few select degree paths.

Through Brandman University and the University of Florida, employees can earn a bachelor’s degree in business administration, while employees who choose Wilmington University can earn a bachelor’s degree in organizational management, business management, software design and development or computer and network security.

The new program is in partnership with Guild Education, which will provide academic counseling to employees to help them find the right program for their educational and personal development.

There is no tenure period involved (meaning qualifying employees can take advantage of the Discover College Commitment as soon as they choose). However, employees must be in active status and in good standing within the company. They also must meet certain expectations within their role and maintain at least a 2.0 grade-point average or higher.

Employees should note one important thing, though: If a Discover employee is terminated, all tuition, fees and reimbursements that the employee received within the 24 months prior must be paid back.

Education Assistance Through Discover

Before offering fully paid bachelor’s degree programs through the College Commitment program, Discover already had a few education assistance opportunities in place for employees.

The In-Network Degree Assistance program provides employees with as much as 90% of the tuition costs, or up to $ 5,250 for an associate’s or bachelor’s degree or $ 10,000 for a graduate degree annually, for accredited, in-network colleges that are outside of the College Commitment program.

The company’s Out-of-Network Degree Assistance program will cover up to $ 2,500 for an associate’s, $ 5,250 for a bachelor’s or $ 10,000 for graduate degree annually at an accredited university outside the Guild Education university network.

The company also offers employees a leadership-education program, an on-site MBA program and an internal professional-development program — so while the College Commitment Program may be new, the company’s assistance for employees advancing their education and careers is not.

“Investing in our employees and their futures will not only make us a stronger company, but have a lasting positive impact on those who might otherwise never get the chance to attend college,” said Jon Kaplan, vice president of training and development at Discover, in a news release.

Grace Schweizer is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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WATCH: Florida Advances to College World Series on Walk-Off Home Run Off Outfielder’s Glove

The College World Series field is set, and the No. 1-seeded Florida Gators were the last to join, doing so in dramatic fashion on Monday night in Gainesville.

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Mika Brzezinski’s Advice To Recent College Graduates | NBC News

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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A Starbucks employee who is about to start college is surprised with a free car

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Josie Natori Receives Honorary Degree From Manhattanville College, Tells Graduates to Embrace Change

AFTER SCHOOL WITH JOSIE: As the keynote speaker at this year’s undergraduate commencement at her alma mater Manhattanville College, Josie Natori was in for a few surprises.
Saturday’s stormy weather in New York caused the commencement to be moved indoors to the campus’ chapel where Natori had graduated 50 years ago. That morning-of change of plans was something she only learned about upon her arrival and the new location made the occasion even more memorable. “For me, selfishly, it was very nostalgic,” she said Monday.
Another surprise was the honorary degree that Manhattanville bestowed on the founder and chief executive officer of The Natori Company. “Of course, I burst into tears,” she said. Her former dean Elizabeth McCormack, who became president of the school in 1966, was in the crowd, as were Natori’s husband Ken and her son Kenneth. In her remarks, the designer said, “Change is the only constant — and right now, it happens in the blink of an eye. Embrace change or be left behind.”
Some of her other guideposts included:

You must love what you do. Because, if you don’t love it, you’re not going to succeed. 
Be open to all possibilities and listen to your inner feelings.
Even in the darkest moments, something

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Money Mondays: Get Ahead Of The Game By Saving For College Early

YOU JOIN US TODAY TO DISCUSS A SURVEY ABOUT COLLEGE SAVINGS. WHAT DOES IT TELL US?

According to Sallie Mae’s 2018 report, How America Saves for College, parents are making progress when it comes to saving for their children’s college education. The report was based on a survey of more than 2,000 parents of children under 18 and found that the average amount saved is $ 18,135. That is 10% more than the $ 16,380 average in 2016 and is the highest level of savings the survey has found since 2013.

THIS IS GREAT NEWS! WHAT ELSE DID THE SURVEY FIND?

There were two additional positive findings in the survey. First, parents are getting more realistic about paying for college. Specifically, many parents are coming to believe that the cost of college shouldn’t fall only on them, especially as the costs rise. Respondents said they expect to cover about one-third of the total cost of their child’s college costs.

Additionally, close to 60 percent of parents said they expected their child to pay for part of their education, up from around 50 percent in 2016. As parents become more realistic about the costs of college and what they can contribute, I believe we can expect to see more of them planning and focusing on other resources, so that is good news.

On top of this, there was another excellent finding in the survey: Parents are shying away from mortgaging their future to pay for their child’s education. Just 10% of parents said they plan to tap their retirement savings for their child’s education, down from 20 percent in 2016. Let’s hope this the start of a trend, Tom. As I have said many times, there are loans for college, but not for retirement.

WERE THERE ANY AREAS OF CONCERN?

Absolutely. First, the cost of college continues to move higher. According to the College Board, the average private nonprofit college charged $ 46,950 for tuition, fees and room and board in the 2017-2018 academic year, it is expected to continue to climb. This means that even as parents are saving more, they are not necessarily making a dent in the overall shortfall.

On top of that, just 39% of respondents reported that they were planning and saving for their child’s college expenses while, 17% said they were saving but not planning, and 44% said they were not saving at all.

Finally, and of particular importance for our community, there continues to be a significant gap between Black and Hispanic parents and white parents when it comes to college savings. The survey found the average college savings for Black respondents was $ 10,702 this year, compared to $ 23,460 for white families. This is another way the persistent wealth gap between Black and white Americans impacts our children’s future.

IF WE ARE ALREADY SAVING FOR COLLEGE, OR WE WANT TO START, WHAT DO YOU RECOMMEND?

 The most important thing to do is keep saving, or if you haven’t already, to start saving. Once you do, then you want to concentrate on growing that money. The two most common vehicles to do this are 529 plans and Coverdell Education Savings Accounts. 529 plans are offered in various states and can be used for undergraduate or graduate studies.

In these plans, you’re typically given a menu of investment options to choose from. Keep in mind, 529 plans do come with some restrictions. Funds can be withdrawn tax-free only for qualified education expenses such as tuition, books, and room and board.

Coverdell Education Savings Accounts also allow your investments to grow tax-free, as long as they are used for qualified education expenses. But, money from Coverdell accounts can also be used for K-12 expenses, and you can choose your own investment options.

Coverdell accounts are limited to a maximum of $ 2,000 per year, while 529 plans generally have higher contribution limits. Remember, if funds from 529 plans or Coverdell accounts are not used for qualified education expenses, there can be both taxes and penalties.

Remember, you want to be clear on the goals and objectives for these accounts. Consult your financial advisor to determine which type of account makes the most sense for your situation.

Mellody Hobson is President of Ariel Investments, a Chicago-based money management firm that serves individual investors and retirement plans through its no-load mutual funds and separate accounts. Additionally, she is a regular financial contributor and analyst for CBS News.

 

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Dancing college grads dragged off stage, school sorry for its ‘aggressive’ response

The University of Florida’s apology has fallen short for the graduates whom an usher yanked off the stage this weekend as they danced to celebrate their achievements.
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Otis College of Art and Design Mentors From Bally, Universal Studios Talk Fashion, Commerce

Otis College of Art and Design on Saturday will stage its first fashion show and annual scholarship benefit at home — on the Elaine and Bram Goldsmith Campus in Westchester, Calif.
As always, the event brings students together with talent from the fashion and entertainment industries, which this year includes mentors from Bally, Universal, Marvel Studios and Ironhead Studio. This year’s special gala guest is Jason Wu.
Featuring more than 125 designs from junior and senior fashion students, the show’s segments each have specific creative direction from the industry mentors, with the overall theme of “Celestial Bodies.”
Mentors and Otis alumni include Rod Beattie of Bleu, Marisol Bradford of NBC Universal, Chris Chang of Poesia and Sapna von Sick of Alo Yoga. Additional mentors include Claudia Cividino, Bally’s chief executive officer, Americas; costume designer Louise Mingenbach of the “X-Men” and “Superman” films; Jose Fernandez of Ironhead Studios; Johnson Hartig of Libertine, and Davora Lindner of Prairie Underground.

Otis College of Art and Design students present their designs for Universal Studios, which will appear in its annual fashion show. 
Christian Alvarez, Courtesy of Otis College of Art and Design

Of particular note is the collaboration students have had with Universal as represented for the third year by Marisol

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Michelle Obama, Celebrities To Honor Kids Heading To College

Michelle Obama

PHILADELPHIA (AP) — Michelle Obama will be joined by a lineup of celebrities when she honors Philadelphia students for their pursuit of a college education or career in the military at College Signing Day.

Wednesday’s event in Philadelphia is the fifth College Signing Day she’s hosted.

A long list of celebrities is set to join the former first lady at Temple University, including actors Bradley Cooper and Robert De Niro, Philadelphia Eagles safety Malcolm Jenkins and singers Camila Cabello, Ciara and Janelle Monae.

Obama has hosted College Signing Day events in New York in 2016 and 2017, in Detroit in 2015, and in San Antonio, Texas, in 2014.

The event celebrates high school seniors choosing to pursue higher education, either at a professional training program, a community college, a four-year college or university, or the military.

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Most Black Parents Begin Saving for College Before Their Child Is 10 Years Old

Saving for college is kind of like dieting—it’s something you should do, but it’s oh, so hard. Like many difficult tasks, saving for college may be best done with the advice of an expert.

Northwestern Mutual, the life insurance company, recently conducted a study of African American parents to learn how they save for college. The insurer learned that African American parents do the following:

  • Work side jobs to earn money that is earmarked for saving
  • Start relatively early—before their child is 10
  • Solicit savings help from grandparents and others

Unfortunately, fully 35% of black parents plan to rely on loans to fund some portion of their child’s college education costs.

I spoke with Francisca Brown, Northwestern Mutual director of African American market strategy, to learn more.

“Sixteen percent of African American parents were saving for college using a 529 plan,” Brown told me. “But, 13% were using money market accounts or certificates of deposit.”

Brown suggests that African American parents come out ahead if they work with a financial planner who can guide them to the best vehicles for saving.

“African American families don’t talk about money,” Brown says, echoing a sentiment I’ve heard before. So how can black parents effectively save when money is a taboo subject?

“You can do it right, structure a plan,” Brown says, by working with a financial planner. Northwestern Mutual financial planners do not charge a fee; they earn money by their commissions on the financial products they sell you.

But doesn’t that incentivize them to sell products that the client doesn’t need? Brown says no.

“It has to be about the client and the client’s needs.” Northwestern Mutual is a major life insurance company that would discipline advisers who didn’t act in the client’s best interests.

Some Northwestern Mutual financial advisers offer services in churches or through Jack and Jill, an African American family and social organization.

“We want to help African Americans learn about financial tools, the basics of saving, financial institutions and banking, and life insurance policies,” Brown says. “Our advisers meet the client where they are and grow with the client.”

Some steps advisers use to work with clients:

  1. Asking questions to see where clients are financially
  2. Helping them with legacy planning
  3. Developing a unique plan that suits the client’s needs
  4. Informing clients of their options
  5. Making sure clients are protected

“With the right plan in place,” Brown says, “it is possible to save for college and still meet other financial goals.”

To learn more about Northwestern Mutual, visit its website.

The post Most Black Parents Begin Saving for College Before Their Child Is 10 Years Old appeared first on Black Enterprise.

Money | Black Enterprise

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Siblings’ experiences in middle childhood predict differences in college graduation status

Graduating from college has significant implications for adults’ long-term success, including employment, family formation, and health. A new longitudinal study found that when siblings in middle childhood experienced less warmth in their relationships with each other, spent different amounts of time with their fathers, or thought their parents treated them unfairly relative to their siblings, they were more likely to differ in their college graduation status (i.e., graduating versus not graduating).
Child Development News — ScienceDaily

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This College Dropout Made a $1.9 Million Clothing Business (Without a Loan)


Kyla Smith was exhausted, working 15-hour days, unsure if this whole entrepreneurship thing was worth it.

She was sitting in a coffee shop chatting with some friends, when a woman interrupted them.

“Excuse me, are you talking about Evolve Fit Wear?” she asked. “My friends and I love that site!”

And in that moment, Smith’s exhaustion evaporated. Seven years into her business, she finally felt like she had made it.

She, a college dropout, had built a successful fitness clothing website — without any investors, without any loans.

“Just to hear that out of a random person was the most rewarding feeling,” she says. “When you’re completely burnt out, life will bring up these little moments to remind you you’re on the right path.”

From Shoe Saleswoman to Pop-Up Shop

In 2007, Smith was in her early 20s, living in Los Angeles and working as a sales representative for a shoe brand.

Although she spent most of her time traveling around the country, she had several months off each year. She grew bored during those periods and started brainstorming ways to make extra money.

Since she had sales experience, enjoyed exercise and yoga and had attended a year of fashion school, she thought selling workout clothing might be a perfect fit.

“I love how good I feel when I put on a new workout outfit,” she says. “It makes me feel so healthy. I chose to sell workout clothing because I love that feeling, and think it inspires people to work out.”

She contacted several workout clothing brands and asked for a “line sheet,” which lists wholesale prices and minimum orders (often between $ 500 and $ 1,000).

“It was all about repping the smaller brands,” she says. “Finding cool unique ones that weren’t Lululemon, because they have enough representation.”

Eventually, she settled on three lines from Brazil and one handmade line called Sandra McCray.

Then she took $ 5,000 of her shoe saleswoman savings and bought clothing from each.

The next Saturday, she packed her call full of inventory and set up shop in the lobby of a high-end gym.

She nearly sold out.

With her profits, she purchased more inventory and began spending all her weekends selling clothing at the gym’s different locations.

Each day, she paid the gym a flat fee of $ 150 and then sold between $ 2,000 and $ 3,000 of clothing at a 50% profit margin.

“I just kept bankrolling the money into more and more inventory,” she says. “After nine months of doing that every weekend I was home, I had a 14-foot trailer and five racks of clothes.”

That added up to about $ 30,000 worth of inventory, which Smith calls the “sweet spot” for retail.  

At this point, she was three years into an international business degree, and still working her full-time job at the shoe company. Something had to give — and she dropped out.

“I wanted to be an entrepreneur,” she says. “I don’t regret that.”

Taking Her Operation Online

About a year after starting her business, Smith realized she needed a website.

“I was hauling this trailer around LA, which isn’t good for parking or driving,” she says with a laugh.

And since she was only at each gym every few months, customers started asking her to meet up in gas stations and parking lots around the city.

A website was the obvious solution — but one big thing stood in her way.

Smith was, as she puts it, “the least technical person ever.”

Deciding to persevere anyway, she worked through the process step-by-step and took photos of her inventory with a cheap camera. Much to her surprise, it started selling.

So, determined to improve her technical skills, she took online courses on topics such as Photoshop, search-engine optimization, Quickbooks, photography and marketing. And, alongside her knowledge, her online business grew.  

Drop-Shipping to Success

Women have a pool party for a photoshoot.
Evolve Fit Wear now has an office, warehouse, photo studio and five staff members, as well as an in-house clothing line. Photo courtesy of Kyla Smith from Evolve Fit Wear

For five years, Smith kept her full-time job while hustling Evolve on the side.

“A lot of entrepreneurs think they’ll quit their job and live happily ever after,” she says. “But it takes a long time [to build a business].”

Finally, in 2012, she quit her job and moved to Portland, Oregon, where overhead was cheaper than LA.

With the move, she also took her business entirely online.

Today, 50% of her sales come from “drop-shipping,” which means Evolve doesn’t keep the physical inventory at its location.

Instead, if it gets an order for, say, a Spiritual Gangster muscle tank, it’ll send the order details to Spiritual Gangster, which will then ship the shirt to the customer directly from its own warehouse.

“Any new brand, we drop-ship,” Smith explains. “That way, we can offer a large selection from that brand and see what sells before we invest in inventory.”

It’s an interesting business model that, according to Smith, works well with smaller brands who also want exposure.

“If you’re selling something online, sell the brands that no one really knows,” she says. “They’d be more likely to drop-ship because they want the opportunity for growth, too.”

Another 30% of Evolve’s sales comes from Amazon: Two years ago, the web-retail giant approached Smith to see if Evolve would be its vendor for yoga clothing. It didn’t want to deal with the myriad smaller vendors, preferring instead to go through one store.

“I was hesitant at first,” says Smith. “But it’s turned out to be a great channel.”

Positivity #FTW

Evolve now has an office, warehouse, photo studio and five staff members. It also has an in-house clothing line, which includes the most incredible goat yoga leggings.

The company’s sales have almost doubled each year since 2014 — in 2017, they totaled $ 1.9 million, with a profit of $ 325,000.

Smith attributes her success to several factors.

The first is smart marketing: 65% of the website’s traffic comes from organic search, which she helped by writing keyword-rich blog posts about Evolve’s products. The company also gets some sales through affiliates; bloggers who earn a 5% cut if customers find Evolve through their sites.

Another key to success has been excellent customer service, with Smith explaining: “We talk to people like they’re our friends.”

And the last? Evolve’s body-positive messaging.

“We steer away from ‘here’s how to look skinny’ or ‘these pants make your butt look great,’” Smith says. “It’s important for me to spread the message to be healthy in your body.”

(She even organized a yoga-pant parade last year, in response to a man making the ridiculous statement that women over 30 shouldn’t wear yoga pants.)

Smith, who’s now been selling workout clothes for over a decade, applies that positive thinking to all aspects of her business.

“There are some days when I’m like, ‘What am I doing?’” she says. “But there’s always a new day. There are going to be ups and downs — and there’s always going to be an up around the corner.”

Susan Shain is a freelance writer and digital nomad. She covers travel, food and personal finance (basically, how to save money so you can travel more and eat more). Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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5 Types of Leggings Every College Girl Needs

As every college girl knows, leggings are a wardrobe staple, but they’re not one of those one-pair-fits-all basics. We narrowed the vast array of the staple down to five different types of leggings that are appropriate for everything a college student’s life entails. Within this five-piece legging wardrobe, there are options you can exercise in, wear out at night, throw on for class, and even dress up for your internship. And luckily, brands are stocking more leggings than ever these days, so finding your perfect pair shouldn’t be difficult.

Even though the comfy activewear trend reigns supreme among millennials, gone are the days when wearing pajamas to class was the norm. College fashion girls want to look polished and cool wherever they go, and we couldn’t think of a better way to achieve both polish and comfort than with leggings. That said, keep scrolling to find out the five types of leggings every college girl should own, and shop our picks.

Cover up during cold-weather workouts with a sleek pair of full-length leggings.

Available in sizes XS to L.
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Consider your collegiate legging wardrobe complete. 

These stylish fashion girl–approved options will be your saviors for busy days of classes, long study sessions, and exam weeks.

Leather leggings, whether genuine or faux, will be your go-to for nights out. 

Full-length leggings can feel a bit suffocating for warm-weather workouts, so be sure to have a cropped pair on hand. 

These trouser-legging hybrids are the best type of leggings to wear to an internship, a first date, or even a job interview.

Celebrity Style and Fashion Trend Coverage | http://www.whowhatwear.com

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Investing In College: 4 Keys To Get More Than Your Money’s Worth

Investing in college: is it still worth it? Stagnant wage growth and the looming burden of student loan debt makes that proposition, once a foregone conclusion, more hotly debated than ever. However, the fact remains that a person with a college education, on average, still commands a higher income than a person without a college degree.

The difference, according to author, speaker, journalist and former college administrator Zach Rinkins, is that what was once practically automatic—that investing in college will pay off with a well-paying career and the American dream of middle-class success—now requires strategy and planning to realize, beginning in high school and during the college selection and application process. Rinkins is the author of a new book, I Am College Material!: Your Guide To Unlimited College, Career, And Life Success, which challenges college students to see themselves as emerging professionals and plan accordingly, in order to maximize their returns on investing in college. Rinkins says he was inspired to write the book by his experience as a college administrator at Florida Memorial University, watching students take on student debt, only to end up accepting jobs with salaries that offered little hope of them ever paying it off.

“When you work on a college campus, you are going to become attached to the students” Rinkins explains. “You see them come in as bright-eyed freshmen, and then you watch them leave as young adults ready to conquer the world. That’s a very thrilling experience. So every year around graduation time, I would converse with students.”

Zach Rinkins

“I’d ask them, ‘What’s next?’, and they’ll say they’re going to work at some car rental company or a mobile phone store,” Rinkins continues, “and it would often break my heart because I know these students spent $ 80,000 and they’re transitioning to a job that may pay them $ 28,000 or $ 30,000 a year, and I knew that they deserved better than that. Because I knew after that six-month grace period and that student loan starts kicking in, that they were going to be really hit hard. Those are some of the issues that the millennial generation is dealing with: Going to college, acquiring a lot of debt, and transitioning into careers that won’t provide them with the economic support to repay their loans and really get their start in life.”

I Am College Material! aims to equip college students and their parents with the tools, information, and resources necessary to succeed in college while maximizing their earning potential upon graduation and beyond. The book includes advice from experts on topics ranging from money management and campus entrepreneurship to health and college romance. (Disclosure: I and my wife Zara Green, as co-creators of Grown Zone Relationship Education, are included among the experts in the chapter titled “To Love or Not To Love: Realities In College Relationships.”)

Rinkins shares four key strategies necessary for students to get the most from investing in college while limiting the short and long-term financial burden on their families.

SET A TARGET FOR YOUR EARNING POTENTIAL UPON GRADUATION

Rinkins says that it is critical to consider the career paths and earning potential associated with any major you choose, with an eye on which jobs have the highest entry-level salaries and the best potential for income growth over time. Ideally, students should be researching their interests and options by their junior year in high school, so that they can make a smart choice by their second year in college, by which time most undergraduates have declared a major concentration of study.

“The decisions that you make in college, the career path you choose, the first salary you choose coming out of college, have a long-term impact,” Rinkins explains. “If you start off low, it is very difficult to get to a higher salary if you don’t make the right decision and create the foundation for it in college.”

INVESTING IN COLLEGE IS WORTH IT—IF YOU DO THE MATH

College students need to understand the earning potential of career paths associated with an area of study, and then choose the most affordable college option to minimize costs of investing in college and maximize ROI.

“I just read a study the other day by JPMorgan that said the average college student is leaving college with $ 30,000 in debt, and on top of that, their parents also acquire an identical, separate $ 30,000 in debt. That’s debilitating. This made me understand [student loan] debt in a family context. So it’s very important for families to choose the right college for their child.”

Rinkins offers a formula that can help you to make the right choice.

“In my book, you can find out how to choose a career, how to go to the U.S. Labor Bureau, how to go to various websites and resources to find out the starting salary of your child’s desired career path. Whatever that number is—$ 40,000, $ 35,000—divide that by five. That is your max annual budget for college; you can’t go over that.”

“Why is that important?” says Rinkins. “Because when you graduate from school, you want as little debt as possible. You have to be able to pay that back in 10 years. Because of compound interest, we want your child to be able to get rid of that debt before it doubles. Because we don’t want them to be contending with that debt in their 30s.”

BEFORE YOU START COLLEGE, PLAN YOUR EXIT STRATEGY

Don’t wait until your junior or senior year of college to discover that your chosen major will not position you to generate enough income to justify the money you’ve spent on tuition and other expenses associated with investing in college.

“Do your research,” Rinkins says with urgency. “Understand what the highest paying career paths of your major are. One thing I tell students is to look at the future output of your major, and also look at the employment rate. If you’re choosing a major that has a high unemployment rate, it’s going to be competitive and the salaries are going to be low. But if you choose a major with a low unemployment rate, the salaries are higher and there will definitely be more opportunities.”

“I use the national unemployment rate as a benchmark,” Rinkins continues. “Right now, the national unemployment rate is about 5%. Some of the popular majors, but they’re low-paying majors, many of the unemployment rates in those majors are 15%, 12%. So you don’t want to pursue a desired major with a career path that has double the national unemployment rate.

CONNECT YOUR SKILLS TO THE HIGHEST BIDDER

You also want to make sure that you’re connecting with the people who will pay the most for the skill sets you have, even if you choose a major with a relatively low-income career path. That may mean thinking beyond the jobs and careers typically associated with your desired major.

“If you decide that you definitely want to get a career in education,” Rinkins explains, “you may want to think about, ‘Well, I don’t just have to be an educator. Perhaps I can do training and development to the STEM community, to the tech sector. Or if you desire to be in public relations, for example, don’t just try to sell your services to anybody; try to connect with the highest paying industries so that you can get the best return on your investment. Your education is an investment.”

The post Investing In College: 4 Keys To Get More Than Your Money’s Worth appeared first on Black Enterprise.

Money | Black Enterprise

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Students who are old for their grade more likely to enroll in college

Teens who are old for their grade appear to feel more confident about their academic abilities and are more likely to enroll in college than their younger peers, according to new research.
K-12 Education News — ScienceDaily

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Player of the Week: American International College forward Bryant Christian

Patrik Laine scored five goals in three games, and Madison Packer won the NHWL scoring race. But Bryant Christian, a member of the fabled Christian family, ended his college hockey career by standing by his teammates — even after breaking his leg.
www.espn.com – NHL

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Shop Like You Normally Would and Help Pay for College With Upromise


It’s no secret that paying for college is expensive and many people, myself included, turned to student loans to get the funding necessary to graduate. But what if there was another way? What if you could get cash toward your college education just for buying the things you normally would? That’s where Upromise comes in.

Upromise is a Sallie Mae-owned program created to help people save for college, pay off student loans, fund their kids’ 529 college savings accounts or simply get cash back to use however they like. It’s a popular way for parents to add to their kids’ college savings plans without too much effort.

Wait, Upromise Pays Me to Shop?

Upromise is quite simple. You sign up, link your credit, debit and even loyalty cards, and shop as you normally would in-store or through the Upromise shopping portal.

Stores partner with Upromise to offer customers cash back on purchases. Upromise members can then use that cash back for whatever they like. Keep in mind that there used to be a Upromise app but it’s no longer available.

How Do I Sign Up for Upromise?

Signing up for Upromise is straightforward and simple. First go to the Upromise enrollment page and enter your basic information. You’ll create a password, enter your address and explain what you’re saving for, like your own education or your child’s education. You can even add another beneficiary in this section if you need to. I went through the process and easily added my daughter and son to my Upromise account.

The next section will ask you to link your credit and debit cards. You can choose to skip this if you like, but I entered the information for the payment card I use the most. Upromise will automatically credit me cash back for qualifying purchases I make.

Where to Shop to Get Upromise Rewards

The Upromise shopping portal is pretty impressive, as there are hundreds of retailers that partner with Upromise. Some stores you might be familiar with include Kohls, Barnes & Noble and Amazon.

When you want to purchase something from one of these retailers, log in to your Upromise dashboard and click the link to that store before shopping. That’s it. After you complete your order, Upromise will deposit the cash back from your order into your Upromise account.

If you look on Upromise’s homepage, it even has a deal of the day where you’ll get a higher percentage back than normal. For example, you might get 7% cash back instead of 5%.

There’s a Upromise Credit Card Too

The Upromise Rewards Mastercard not only works on your everyday expenses, you can also get an extra 5% cash back when you use it to shop through the Upromise shopping portal or at participating restaurants.

What’s more, you don’t have to shop at Upromise partners to get cash back. You get 2% cash back when using your Upromise Rewards Mastercard at department stores and movie theaters, and 1% back for every other purchase. While it might not seem like much initially, small amounts can certainly add up over time.

You can view the most common questions about the Upromise credit card here as well as get more information about the benefits of using it.

Rally Friends and Family to Save Big Money

The great thing about Upromise is that your family and friends can sign up for free, and list you or your children as the beneficiaries. So, if your dad sets up an account and links his cards, any cash back rewards he earns will go to the beneficiaries he lists.

One common complaint about the Upromise program is that members don’t earn enough cash back. However, with family and friends, you can maximize your Upromise rewards potential.

Sure, a few dollars here and there in your account won’t pay for much more than a textbook. Yet, imagine if you rallied your family and close friends, and asked them to create accounts? It takes only five minutes to sign up, and it’s an easy set-it-and-forget-it type of benefit.

Spending Those Upromise Dollars

Once you link your cards or get the Upromise credit card and start earning cash back, there are several ways to use your Upromise dollars. You can take the simple approach, which is to get a check for the cash you earned and send your dollars directly to a participating college savings account. Or you can enroll in a Upromise savings account called GoalSaver.

GoalSaver, much like other Upromise products, offers incentives and bonuses for using it. It’s a high-yield savings account, which means it earns more interest than your average savings account. There are no monthly fees and you can earn up to a 10% match on your money. Plus, you stay motivated by sharing your goals with your friends and family on social media.

Upromise offers other incentives, like cash in your account for having a GoalSaver account for a few years. Keep in mind that you need to read the terms and conditions closely, especially when it comes to the 10% match. There are some pretty specific requirements to qualify, so read carefully.

Additionally, Upromise offers rewards for meeting your goals. For example, account holders with automatic deposits can receive a $ 10 bonus each year. Also, GoalSavers who deposit $ 5,000 and retain at least that balance for three years are eligible to receive a $ 100 bonus.

What Experts Think About Upromise

Of course, many cash-back programs like this seem great on paper, but do they really work? I reached out to two financial experts who use Upromise to get an accurate review of it. Here’s what they had to say:

Kathryn Hanna, a CPA and financial blogger, uses Upromise as an alternative to other cash-back websites. She said, “I’ve been focusing recently on increasing my contributions to 529 plans for each of my three children, and this was a great solution to add that little bit of extra with nearly no additional work on my part.” Kathryn also uses Upromise cash back offers when she buys items online and links her credit cards to it to get cash back at restaurants and other retail stores.

Emily Guy Birken, an accomplished money expert and author of several personal finance books, signed up with Upromise in 2005. While she originally thought she’d use the funds for her own education, she decided to add her rewards to her children’s 529 accounts. Emily also has a Upromise credit card, which is her primary means of earning benefits.

She told me, “Having a credit card that gives me cash back toward Upromise is actually very helpful. I generally have about $ 50 quarterly to put into my boys’ 529 accounts. It’s not a huge amount of money, but I prefer this to other cash-back credit cards… I just use the card as I normally would and consider whatever I get to be a nice bonus to the money I’m already putting aside in the 529 accounts.”

What these Upromise reviews show is that many people can benefit from the perks Upromise offers — even financial experts! After all, if you’re going to get cash back from something you planned to buy anyway, why not have that money go toward your children’s future or your own education?

In sum, Upromise is a program that lets you pay back your student loans or add to your children’s college savings accounts in a number of ways. Membership is free, and you can even get cash back for things like eating at a restaurant or booking a flight.

Who doesn’t like free money, especially when it can help fund an education?

Catherine Alford is an award-winning family finance expert and financial writer who lives in Detroit, Michigan, and blogs at CatherineAlford.com. When she is not working, she enjoys yoga, spending time with her 3-year-old boy/girl twins, and doing DIY projects around the house.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Simone Biles Talks Starting College This Week After Revealing Larry Nassar Abuse: ‘I Feel Good’

Simone Biles is moving on after revealing the sexual abuse she endured at the hands of disgraced former team USA Gymnastics doctor Larry Nassar.

“I feel good and I feel a bit of relief because I don’t have to keep it in anymore,” the 20-year-old gymnastics superstar tells PEOPLE. “I have my family supporting me, friends and my group of people I rely on supporting me … But it’s not easy for any of us to go through.”

The gold medal-winning Olympian is gearing up to begin her first day of college on Thursday, and is looking forward to the premiere of her new Lifetime movie, The Simone Biles Story: Courage To Soar.

But as she begins several new chapters in her life, she says talking about her experience with Nassar is still difficult.

“I haven’t really opened up about it, so it was a hard subject for me to speak up about,” she tells PEOPLE.  “Hopefully people realize that they’re not the only ones going through this situation. Hopefully I inspire them to come out and to not be ashamed about it.”

Biles joined gymnasts including Aly Raisman, McKayla Maroney and Gabby Douglas in accusing Nassar of sexual assault. She revealed the abuse in a letter shared to Twitter on Jan. 15.

“For too long I’ve asked myself, ‘Was I too naive? Was it my fault?’ I now know the answers to those questions,” she wrote at the time. “No. No, it was not my fault. No, I will not and should not carry the guilt that belongs to Larry Nassar, USAG, and others.”

https://platform.twitter.com/widgets.js

She opened up about the abuse in an emotional interview with Today’s Hoda Kotb on Wednesday morning, in which she praised Judge Rosemarie Aquilina for sentencing Nassar to up to 175 years in prison. She echoed the comments to PEOPLE, but adds that the ordeal isn’t over yet.

“It was very sweet of her to let all the survivors come forward and speak on their behalf,” Biles says of Aquilina. “There’s still a lot of work that needs to be done, an independent investigation that needs to be set to see why and how this happened for so long for anyone to really feel comfortable in the sport and get closure.”

Still, in the midst of the scandal, Biles is determined to move forward. The young gymnast has been named global ambassador of University of the People, a non-profit, accredited online university based in California. She is enrolled in the business administration program, per the university’s website.

“I always dreamed of going to college but decided to follow my gymnastics dreams full time, which didn’t make it possible for me,” Biles said in a statement posted on the site. “I had planned to attend UCLA, but had to defer because of my training schedule. I still want to pursue a college degree and the University of the People offers me the flexibility I need to fit in my studies around my career.”

RELATED VIDEO: Ex-USA Gymnastics Official Larry Nassar is Sentenced for Sexually Abusing Over 100 Young Women and Girls

“With me being so busy with training, I don’t have a lot of time to attend a regular university, so University of the People offers me that opportunity, which I wouldn’t have otherwise,” she tells PEOPLE. “Now I can do online and train for the next Games, for the next world championships … I can take time to do both.

As if that weren’t exciting enough, Biles says she’s ecstatic about the Saturday premiere of her new movie, which was based off her 2016 book, Courage to Soar: A Body in Motion, A Life in Balance.

“It was amazing having sent to film and to live through that experience,” she gushes. “I’ve always wanted to see how people saw my gymnastics.”


PEOPLE.com

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This College Grad Found an Affordable Way to Start Investing in Real Estate

Buy land. They’re not making it anymore.Mark Twain

Katie Smith had always been a saver. Even at a young age, she’d managed to save thousands of dollars.

But she was tired of watching her savings just sit in the bank, doing absolutely nothing. She needed a way to make her money grow.

“I had it all sitting in a savings account, getting something like 0.01% interest. You can only take that for so long,” says the 21-year-old, who just graduated from Georgetown University in Washington, D.C.

Ah, but there was a problem.

She didn’t want to invest in the stock market, which had been climbing for nearly nine years in a row. Smith didn’t trust it to keep climbing much longer. She’s not alone there.

“I think everything is a little overvalued right now,” Smith says.

She had always liked the idea of owning real estate. She’s familiar with the old folk saying about land being a good investment — they’re not making any more of it.

“It’s pretty limited in supply,” she says. “I like the idea that it’s super tangible.”

Ah, but there was another problem.

To start investing in real estate, you generally need a lot of money. Houses or land can cost thousands — or hundreds of thousands — of dollars. And once you buy some rental property, you’ll have to play landlord, which can be a pain.

Smith had saved herself a few thousand dollars, but it wasn’t “buy a house” kind of money. Not yet. After all, the college senior was just starting out in life, studying accounting and finance at Georgetown.

Real Estate Investing for Beginners

She wasn’t liking her investment options — savings account or stock market? — but then she heard about Fundrise.

The Fundrise Starter Portfolio would invest her money into two portfolios that support private real estate around the United States. It would do all the heavy lifting for her — and play landlord on her behalf.

She didn’t need to have hundreds of thousands of dollars stashed away, either. She could get started with a minimum investment of just $ 500.

“It’s a pretty low barrier to entry in terms of the amount of money you need,” Smith says. “I invested a couple grand, and I’ve been really pleased with the results.”

Through Fundrise’s online dashboard, investors can see exactly which properties are included in their portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina.

“I can go into my Fundrise account and see what I actually own,” Smith says. “I own a piece of an apartment complex in Ann Arbor, Michigan. Property on the West Coast. Bits and pieces of apartment complexes in Texas and Denver, a construction loan, a mixed-use property.”

Many Happy Returns

More than a year after buying in, Smith has been pleased with her Fundrise experience.

Fundrise lists an average annualized return of 11.44% in 2017. Investors pay 1% in annual fees — a 0.85% asset-management fee and a 0.15% investment advisory fee.

Investors can earn money through quarterly dividend payments and potential appreciation in the value of their shares, just like a stock. Cash flow typically comes from interest payments and property income (e.g. rent).

Keeping It Rolling

A busy person, Smith likes the simplicity of the online dashboard.

“It shows your earnings to date,” she explains. “It tells you when your next dividend is. It shows you the breakdown of where your money is invested. It has a risk scale that makes it pretty easy, visually, to see how much risk you’re taking on.”

Today, having earned a bachelor’s degree in finance from Georgetown, she has a job lined up at an investment bank. Any money she makes from Fundrise just gets rolled right back into real estate.

“They give out dividends every quarter, and they have an option where I can reinvest all my dividends into their portfolios,” Smith says. “That way, I can make sure it keeps going. I don’t have to actively put more money in it unless I want to.”

The publicly filed offering circulars of the issuers sponsored by Rise Companies Corp., not all of which may be currently qualified by the Securities and Exchange Commission, may be found at www.fundrise.com/oc.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He likes real estate.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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This Program is Giving Out $2,000 College Scholarships to 700 Military Kids

The members of our armed forces make great sacrifices — and so do their families.

They deserve all the support they can get.

The Scholarships for Military Children program gives money to the children of military service personnel to use toward college tuition, fees, books and other expenses.

The program has given more than $ 16 million to military kids in the its 17-year history.

The scholarship program is currently accepting applications for this year’s batch of eligible students. Each military commissary that receives a completed application will be awarding at least one scholarship.

Apply for the Scholarships for Military Children

Scholarship Amount: $ 2,000

Number of Scholarships Awarded: 700

To qualify for the scholarship, applicants must:

  • Be a child of an active duty military personnel member, a reserve/guard or retired military member, a service member who died while on active duty or an individual who died while receiving retired pay from the military
  • Be enrolled in the Defense Enrollment Eligibility Reporting System (DEERS) database and have a current dependent military ID card
  • Be under 23 and unmarried
  • Be enrolled or planning to enroll full time at an accredited U.S. college or university in the fall of 2018, specifically in an undergraduate program that will lead to a bachelor’s degree (community college students must have intent to transfer to a four-year school)
  • Have a 3.0 GPA if currently in high school or a 2.5 GPA if currently in college

To apply, applicants must:

  • Fill out the application, which can be downloaded here or picked up at the nearest military commissary
  • Write an essay — 500 words or less — responding to the following: “With the development of high speed internet you are now living in a world that is completely different than 20 years ago. What are the pluses and minuses for society and the family? How would you address the minuses?”
  • Submit the application package (in person or by mail) to the nearest military commissary. Emailed or faxed submissions will not be accepted.

Scholarship Deadline: February 16, 2018

Scholarship recipients will be notified by letter, which should be mailed out around May 15.

See here for more information and for an application to the Scholarships for Military Children.

Nicole Dow is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Cops are baffled about college quarterback’s apparent suicide

Police on Wednesday were interviewing Washington State quarterback Tyler Hilinski’s friends and people who knew him to try to learn why he apparently took his life. Police Chief Gary Jenkins said officers have no apparent motive for the death of the 21-year-old athlete, who was found dead in his Pullman, Wash., apartment on Tuesday along…
Sports | New York Post

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How to Watch the Alabama vs. Georgia College Football Championship Game Tonight for Free

On Monday night, the Alabama Crimson Tide and Georgia Bulldogs square off in the 2018 College Football National Championship game, and interest is extraordinarily high. Not only is it the season’s biggest college football matchup featuring two celebrated SEC rivals, but the game is also being played in Atlanta, which has been called “college football’s capital.”

Oh, and President Donald J. Trump is going to be in attendance to watch Alabama vs. Georgia live. His presence has in turn inspired the NAACP and other groups to stage anti-Trump protests in Atlanta on Monday. Rapper Kendrick Lamar will also perform at the first-ever National Championship halftime show.

Watching or live-streaming Alabama vs. Georgia from the comfort of your home is easy enough. Like the playoff games on New Year’s Day, tonight’s championship game is being broadcast exclusive by ESPN. Kickoff is scheduled for 8 p.m. ET, and if you have cable or another standard pay TV package, all you have to do to watch is find any of the ESPN channels airing the game. You can also stream the college football national championship game for free by logging in to the ESPN app with the number and password of your pay TV provider account.

If you don’t have cable or another pay TV service, it is still possible to watch the national championship game for free tonight. You could of course head to a nearby bar or restaurant to watch—but then you’d probably run up quite a bar tab, so it wouldn’t nearly be free. Or you could take advantage of one of the many streaming TV services now on the market, nearly all of which have ESPN, and all of which have free trial periods.

These streaming services include options such as DirecTV Now, Hulu Live, Playstation Vue, Sling TV, and YouTube TV. All of the services above allow you to live-stream ESPN and dozens of other pay TV channels on a variety of devices. New subscribers can watch for free during trial periods, which last a week or more depending on the service.

Just remember, though, that you will be charged the regular monthly rate if you don’t cancel the service before the trial period ends. The normal monthly rates for these streaming TV services start at $ 20 and up per month, and Sling TV is the cheapest (though most limited) of the bunch.

Sports – TIME

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This Could Be The Last College Football Championship Game With Unpaid Players

Millions of people will tune into the College Football Playoff National Championship on Monday night, Jan. 8, hoping for a doozy. Even President Donald Trump is expected to be among the frenzied crowd at Mercedes-Benz Stadium in Atlanta when the Alabama Crimson Tide take on the Georgia Bulldogs (and Kendrick Lamar performs the halftime show). Expectations are high for good reason: Alabama is shooting for a fifth national championship in Nick Saban’s 11 years as head coach, while SEC rival Georgia—coached by former Alabama defensive coordinator Kirby Smart—squeaked by Oklahoma, 54-48, in a double-overtime shootout in the College Football Playoff semifinal on New Year’s Day.

The title game may well be another classic. But don’t let that obscure a much deeper problem behind all the pomp and hype. The College Football National Championship will do more than decide which university has the best team, it will generate millions of dollars for the universities, coaches, broadcasters, and sponsors. Other ancillary actors—Atlanta hotel operators, local restaurants — will rake in their own tasty haul.

The amateur players on the field, however, won’t share in that bounty, beyond a few thousands dollars on top of an athletic scholarship to cover the full cost of attending school. The NCAA, the organization governing big-time college athletics, prevents schools from paying their players, even as they make millions for their coaches and schools. Saban and Smart made almost $ 15 million combined this year.

“All today’s players can hope for,” says Jeffrey Kessler, a sports labor attorney who is leading a case against the NCAA, “is a better deal for the players that come after them.”

The case that could change college football

That may finally change. On Jan. 16, in a federal district courtroom in Oakland, Calif., judge Claudia Wilken will hold a hearing on motions for summary judgment in the case of Jenkins v NCAA, a class action suit that challenges the NCAA’s compensation limits on athletes. Wilken ruled on a similar case, the landmark O’Bannon v NCAA litigation, more than three years ago. While Wilken found in that case that the NCAA rules unreasonably restrained trade in violation of anti-trust laws, she did not lift the restraints entirely. Schools could still limit their compensation for athletes to the cost-of-attendance stipend, meaning the players would not be paid according to their market value.

Read More: The Case for Paying College Athletes

The Jenkins case, however, makes a broader claim than O’Bannon. Whereas O’Bannon concerned a college athlete’s ability to profit from the use of his or her likeness, Jenkins focuses on the market for signing college athletes to schools. It seeks to ends the NCAA’s blanket wage restrictions, and allow individual athletic conferences to determine the levels at which players should be paid. Kessler, who has represented the players’ unions of all four major U.S. professional sports leagues and helped NFL players win the right to become free agents in the early 1990s, is representing the Jenkins plaintiffs.

One expert likens the two cases to the work of an offensive lineman clearing the way for a running back: O’Bannon did the legal blocking, says Marc Edelman, a professor of law at Baruch College’s Zicklin School of Business, that could allow Jenkins to finally score big for college athletes. “The point of Jenkins is to create a universe in which the NCAA can no longer ubiquitously prevent college athletes from being paid,” says Edelman.

With more money sloshing around college sports every year, the case against paying players becomes increasingly difficult to justify. Saban made more than $ 11 million this season; Georgia paid Smart $ 3.75 million. Alabama pays two of its assistants — defensive coordinator Jeremy Pruitt, the incoming head coach at Tennessee, and offensive coordinator Brian Daboll — north of $ 1 million. Texas A&M just signed former Florida State coach Jimbo Fisher to a 10-year, $ 75 million deal; Fisher in turn just poached Notre Dame defensive coordinator Mike Elko with reported three-year contract at an average of $ 1.8 million a year.

How much money should college athletes be paid?

Why shouldn’t this bounty trickle down to the players who generate it? Antitrust economist Andy Schwarz, a staunch advocate for reallocating more flush college sports revenues to athletes, envisions a scenario where schools reallocate 30% of incremental athletic department revenue growth to a fund that compensates athletes: 15% for male athletes, and 15% for female athletes. Schools can keep 70% of the new revenues, plus all old revenues. If Alabama, for example, had followed such a model over the past four years, the school would have set aside, on average, $ 2.9 million annually to pay athletes. Alabama would have kept an average of $ 149.5 million per year, or 98% of all revenues.

“If schools ever want to get past their ‘can’t-don’t’ rhetoric and go for can-do solutions, all they need to do is just start fixing things,” says Schwarz. “Divert new money and in a few years the budgets will have adjusted just fine.”

The Jenkins case will likely hinge on whether the plaintiffs can convince the court that the paying players won’t adversely effect the college sports business. Anti-trust laws permit trade restraints — like a cap on compensation — if such restraints benefit consumers. In the O’Bannon case, the NCAA’s lawyers argued that college football and basketball is popular because players don’t get paid. Fans are attracted to the amateur ideal. In Jenkins, the NCAA will insist that the court has already established that paying players would hurt the college sports business, since in O’Bannon both Wilken and an appellate court gave weight to a survey from an NCAA research expert showing that 69% of respondents expressed opposition to paying college athletes.

Still, it’s hard to imagine rabid college sports fans leaving stadiums and TV sets in droves just because students at their favorite schools receive payment for playing football or basketball—which is why they’re at the school in the first place. In so many pockets of America, college football’s ingrained in the cultural DNA. Why would the tailgate lose its appeal when the star quarterback has an endorsement deal?

Further, as part of the Jenkins case, attorneys for the plaintiffs have filed their own consumer demand study with the court. Their survey expert concluded, “to a high degree of scientific certainty,” that additional compensation for college athletes would result in “no negative impact on consumer demand as exhibited through viewership /attendance of college football and basketball … If anything, permitting these additional forms of compensation/benefits could have a positive impact on such consumer demand.” Decades of American behavioral economics bear this finding out. As player salaries have risen exponentially with the advent of free agency and technological innovations that distribute the games to broader audiences, sports have become even more popular. The business has only grown.

Americans, it turns out, value fairness. “This case could make a great difference in the lives of those college players that will not make it to the pros,” says Kessler.

If it lives up to expectations, the Alabama-Georgia title game may be remembered for a long time. But the year’s most lasting college sports moment could unfurl in a courtroom.


Sports – TIME

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London College of Fashion Spotlights MA Men’s Wear Collections

FRESH TALENT: London College of Fashion’s graduating MA men’s wear students showcased their collections on Friday with a runway show ahead of London Fashion Week Men’s.
Ten students from the fashion design technology men’s wear course presented their ranges at St John’s Smith Square in Westminster, in the show styled by Adele Cany. The strongest lineups came from Hanni Yang, Ying Yi Lu, Hengmin Lu, Sohyeon Park and Xu Bo.
Yang, who has worked with Teatum Jones and Céline, explored pattern-cutting and worked scarves onto the garments. She sent out a range of tailored-yet-relaxed looks and draped burgundy and cream silk scarves over a white men’s wear shirt and burgundy trousers.
Ying Yi Lu looked to young boys of the Victorian era and focused on tailoring, as in a cropped blue pinstripe suit. Lu topped off the looks with sailor style hats done in collaboration with Atelier Millinery.
Hengmin Lu — who has worked with Ports 1961 — was inspired by the architecture of the Chairman Mao era. Lu explored functionality and pattern cutting as seen on a long brown coat, worn over a white shirt with a mandarin collar and white knee-length shorts. The student teamed with JKJY Handcraft Fashion Ltd. Shanghai on

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On To Other Things: Snoop Dogg’s Son Leaves College Sports To Pursue Fame and Fashion

Maybe it’s their looks, their connections or simply having a famous last name, but there’s another celebrity offspring who is looking to make a career out of modeling. Cordell Broadus, 20-year-old son of rapper Snoop Dogg, will be joining other …


MadameNoire

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Applying to College? Here’s How to Clean Up Your Social Media Presence

If you’re applying to college, you may want to think twice about what you post on your social media accounts.

College admissions officers can learn a lot about you from a simple online search, and what they find could influence whether they accept you into their program.

Harmless shenanigans like dosing your roommate’s coffee with a splash of soy sauce probably won’t raise an eyebrow.

But iIlegal activities, racist language and online bullying could get you passed over in college admissions competition.

According to Kaplan Test Prep, 35% of college admissions officers check out the social media profiles of admissions candidates during the decision-making process.

Since there’s no way to tell which side of the fence your college admissions officer falls on, it’s better to be safe than sorry.

Does your online presence show the best side of you? Here’s how to find out, what to do if it doesn’t and how to put your best foot forward.

Check Yourself Before You Wreck Yourself

The first step to shaping a great online presence is to find out what people can see and learn when they search for you online.

To begin, log out of all your browser, online email and social media accounts.

If you stay logged into your accounts, some services and platforms will show you personalized content. That means you won’t get a clear picture of what others see when searching for you.

Next, search your name online. Use several different search engines, like Google, Yahoo and Bing to get a broad range of results.

Take note of what websites and social platforms show up and what they reveal about you.

See something you don’t like? Here’s what to do.

Erase Embarrassing Content (Or Try To, Anyway)

Do colleges look at your social media

Mixmike/Getty Images

The things we post online have a nearly eternal shelf life.

Think stuff you posted last year is gone and forgotten? Think again.

“I’ve had a reader message me a photo on my Instagram from four years ago asking me about it,” notes author and online branding expert Jandra Sutton. “Luckily, it was just a bad selfie with a ridiculously embarrassing hairstyle. Nothing serious (the reader thought it was funny), but it reminded me that the things I posted when I wasn’t even thinking about it still exist online, and it isn’t impossible to find them.”

The thing about the internet is that once you put something out there, it’s practically impossible to make it disappear completely.

Fortunately, there are a few ways to minimize how easy it is to find.

Social Media Content

If you yourself posted the unflattering content on a social media platform, begin by hiding or (even better) deleting it. Here are instructions to do that on:

If someone else posted embarrassing content about you on their social media account, ask them to remove it.

If that’s not an option or they refuse, contact the social media platform directly and ask for help.

The Rest of the Internet

A teenager takes a silly selfie of herself.

Nikada/Getty Images

Removing unflattering content that turns up during general internet searches is a bit more difficult, but there are a few things you can try.

1. Contact individual search engine companies to ask for their help.

Depending on the nature of the content, they may work with you to remove it from their search results.

Here are instructions for:

2. Bury unflattering content under positive search results.

Studies show that 75% of people don’t scroll past the first page of search results.

If the first page of your name search results contain unflattering content, create positive content to bump it to page two or more.

“Consider writing articles for a local newspaper or newsletter with your byline,” suggests Timothy Jaconette, founder of Advanced Admit College Admission Consulting. “I did this when I was in high school. You can create some professional written material that should come up at the top of search results with your name.”

If you’d rather publish your own content, create a website or open a blog account and use it to highlight your successes.

“Try to write one post per week,” says Jason Patel, founder of college prep company Transizion. “Posts over 1,800 words are viewed very favorably by Google’s algorithm, but posts around 500-800 are great for content.”

3. Call in the professionals.

Depending on the type of content you’re trying to draw attention away from, you may want to consider hiring a professional who specializes in improving your presence in search results.

Reputation repair services can help you figure out ways to manage high-visibility issues like mugshots, arrest records and other negative content.

There are plenty of online services you can use but your best bet is to ask around for a word-of-mouth referral to make sure you find a company you can trust.

Tips for Creating a Sparkling Online Presence

A college bound teenager reads a book while sitting on her windowsill.

MangoStar_Studio/Getty Images

Once you’ve assessed and polished your online presence, you’ll want to keep it looking fresh and appealing to college admissions officers.

Keep these things in mind as you post new content and social media status updates.

Be Passionate

“Find a field of interest or a passion,” recommends Patel. “Sounds cliche, but it looks great when a young person has an idea of what she wants to do or be a part of in college or when she’s older.”

He says your interest doesn’t have to be related to a career.

“It just needs to signal to the admissions officer or university that this student is someone who can think on her own and think for the future,” he says.

Be Authentic

“People are looking to get to know who you are as an individual, but that doesn’t necessarily mean they want to see every meal you’ve eaten (unless food photography is your passion),” says Sutton.

“When I was establishing my online brand, I sat down and thought about what types of things I actually wanted to post about. I’m passionate about books, current events, and all things Marvel, so I said, ‘Okay, I’m going to try to stick to these topics.’ I absolutely post about other things, but I try to keep in mind what is relevant and interesting to my audience AND true to what I believe in.”

Be Generous

Make sure the content you share sincerely captures your generosity and thoughtfulness.

“Perhaps you want to think about what you could post that shares your care and concern for other people,” suggests Jaconette. “This concept of care and concern for others shows up multiple places in the college admission process, from college admission policies at large state schools to the teacher evaluation forms in the Common Application.”

Be Sincere

“If you have hobbies or skills that you want to highlight in your application make sure that you highlight them in your social profiles, personal blog, website or YouTube channel as well,” says Mark Bechtholt, co-founder and growth hacker and online branding expert at FameMoose. “Admissions offices love to match what you say in your application with your online presence.”

Be Meticulous

Social content isn’t as formal as a college essay, but that doesn’t mean you shouldn’t pay attention to your writing style.

Use proper spelling, grammar and punctuation and save text-speak for your instant messages.

The Bottom Line

“For better or worse, social media has become an established factor in college admissions, and it’s more important than ever for applicants to make wise decisions,” says Yariv Alpher, executive director of research at Kaplan Test Prep.

“If you’re not sure what to post, ask a parent or high school counselor. If you’re still not sure, then the best course of action might be to not post it at all.”

Lisa McGreevy is a staff writer at The Penny Hoarder. She’s eternally grateful the internet wasn’t around when she applied to college.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder

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American Indian high school star Mya Fourstar dreams of playing college ball

She scored 50 points as an eighth-grader, and Mya Fourstar’s name spread across Montana. But making it to college basketball – and off the reservation she calls home – won’t be easy.
Sports

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‘Black-ish’ spins off to college with ‘Grown-ish’

Thirty years ago “The Cosby Show” shipped one of its daughters off to college, creating the spinoff “A Different World.” “Black-ish” pulls off a similar operation with “Grown-ish,” a good-ish comedy whose change of venue also represents a sign of the synergistic times.


CNN.com – RSS Channel – Entertainment

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How to Watch the College Football Playoff Games on New Year’s Day for Free

New Year’s Day 2018 is a big day for college football fans. Two college football playoff games are scheduled for January 1, and the winners of each game will meet up in a national championship game on Monday, January 8.

Here’s how to watch the college football playoff games for the 2017-2018 season.

College Football Playoff #1: 5 P.M. ET January 1 on ESPN
#3 Georgia vs. #2 Oklahoma, at the Rose Bowl

Both college football playoff games, as well as the national championship game, are being broadcast on ESPN. The first game, in which the Georgia Bulldogs face the Oklahoma Sooners, starts at 5 p.m. ET on January 1, 2018.

If you have a cable or satellite TV package with the usual lineup of channels, simply tune in to ESPN to watch the college football playoffs. You may also be able to stream ESPN live by logging in with a valid pay TV account number and password.

If you don’t have cable or another pay TV subscription, it’s still possible to watch by streaming the college football playoffs with a service such as DirecTV Now, Hulu Live, Playstation Vue, Sling TV, or YouTube TV. All of the services above allow you to live-stream pay TV channels such as ESPN on a variety of devices, and all come with free trial periods for new signups.

So if you just want to watch the college football games on ESPN on New Year’s Day for free, register with one of streaming services above. Remember, however, that you must cancel before the trial period ends if you don’t want to be charged. The normal fees for these streaming TV services start at $ 20 and up per month, and Sling TV is the cheapest (though most limited) of the bunch.

College Football Playoff #2: 8:45 P.M. ET January 1 on ESPN
#4 Alabama vs. #1 Clemson, at the Allstate Sugar Bowl

The second game of the college football playoffs, in which the Alabama Crimson Tide square off against the Clemson Tigers, starts at 8:45 ET on January 1, 2018.

Like Georgia-Oklahoma, the Alabama-Clemson game is being broadcast on ESPN. Follow the same directions for how to watch on TV or stream both college football playoff games.

For that matter, the guidelines above will also work for tuning in to the national championship game. The broadcast for that game, featuring the winner of Georgia-Oklahoma versus the winner of Alabama-Clemson, will start at 8 p.m. ET on January 8, 2018, also on ESPN.


Sports – TIME

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A college student talked to us about living with diabetes, and here’s what we learned

A college student talked to us about living with diabetes, and here’s what we learned


A college student talked to us about living with diabetes, and here’s what we learned

November is National Diabetes Awareness Month.

Sarah Portewig is a fireball from the moment you meet her. She is full of life, a dazzling smile always spread across her face. Sarah is a sophomore at Rutgers University-New Brunswick, where she studies Environmental Policy. An incredibly involved student, she dances with Rutgers Performing Dance Company, volunteers with Rutgers No More — a student advocacy organization, and works on campus.

Sarah was also diagnosed with type 1 diabetes at the age of 12. For National Diabetes Awareness Month, I spoke to Sarah about how she cares for her health in a college environment and what she wishes people understood about the disease.

Hello Giggles (HG): What is the culture around diabetes in a college environment?

Sarah Portewig (SP): In college a lot of people don’t necessarily care or take notice to diabetes unless they themselves have it, or if they have a loved one [who has] it. I think it is something that can easily get swept up in the busy daily schedule of college students. I mean, as a diabetic, sometimes I [even] forget about it!

HG: What are some things that people say or think about diabetes that make you uncomfortable?

SP: A lot of people think that I can’t eat or drink anything with sugar — which gets annoying because I totally can. In fact, I have a huge sweet tooth. People also expect me to be overweight, and are often confused that I have diabetes because I am a small person. That gets annoying because anyone with any body type can have diabetes. It gets uncomfortable having [a disease with] such a weird stigma.

HG: Often, people go into college with the misconception that if you have diabetes, it’s your fault. How do you address attitudes like this?

SP: I try to call people in instead of [calling out or] getting annoyed or upset with them…I know it is more about not having a proper education on this disease. I try to explain the difference between type 1 and type 2 diabetes, and [explain] how as a type 1 diabetic, my pancreas never functioned properly.  

HG: November is National Diabetes Awareness Month. What do you wish young people — like college students — knew about diabetes?

SP: I wish people knew more about how I have to manage the disease and how annoying it is. That there are constant pricks to test my blood sugar, and that with an insulin pump I constantly have a port in my stomach with a plastic needle. This stuff is really annoying and can hurt. It takes a lot out of a person physically and mentally. It is a lot more than just counting carbs; it is something I have to constantly think about.

HG: Do you think we talk about diabetes enough?

SP: We definitely do not talk about it enough. A lot of my friends have no idea about the disease and what it entails until I talk to them about it. It would be great if more people had a more general understanding of the disease.

HG: What can we as allies — as friends, romantic partners, and fellow college students — do to be better allies to diabetic people?

SP: Support is a huge thing for all allies. I know personally that I love when my friends are interested in my disease and about learning more… I love when my family asks how I am doing, and I rely a lot on my romantic partners for reminders and moral support when changing my insulin pump sites. Support is key with this disease because managing it is a full time job.

HG: Any closing thoughts?

SP: I think, as a diabetic, sometimes it is hard to forget how fortunate I am. Diabetes is so annoying, but I am so thankful with the cards that I have been dealt. There have been so many advances in devices and supplies that help make it easier and easier to manage. I am also thankful for all of my friends and family that are constantly there to remind me, love me, and support me!

Remember to approach any disease with love and a willingness to learn more about it.

You can donate to the American Diabetes Association here.

HelloGiggles

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Study: 11 Percent of African Americans Hope Lottery Wins Will Pay for Kids’ College

Research conducted by insurance company Mass Mutual reveals disturbing insight: Almost 11% of those surveyed about financing an education cited winning the lottery as a means of paying for their kids’ college.

 

 

 

(Image: iStock/ChrisGorgio)

According to learning website ThoughtCo., the chance of winning a Daily 4 or Pick 4 lottery game is 1/1000, or 0.01%. The probability of winning the common lottery game where six numbers are chosen at random is 1 out of 12,271,512.

“MassMutual’s College Planning & Saving Study—African American/Black Families” report offers other insight:

  • 82% of black parents and guardians agree that college is important.
  • 50% believe they will be able to afford college when it’s time to send their kids.
  • African American parents and guardians are the least likely among other ethnic groups to have their kids acquire a student loan.
  • Nearly half surveyed expect their children to receive scholarships.
  • 35% encourage their children to participate in work-study programs.
  • One-fourth surveyed say having their kids attend a community college then transfer to a four-year school is a way to keep college affordable.
  • Four in 10 black parents plan to use Pell Grants to help pay tuition.
  • More than one-third expect to use their own savings; two-thirds began saving when their child turned 10.

Student loan debt is a financial burden across all ethnicities. Recent data shows that the national student loan debt is increasing by $ 2,726.27 every second.

African American students are particularly at risk for financial turbulences due to school loans. Black Enterprise education editor Robin White Good reported that nearly half (49%) of all black student borrowers default on their student loans 12 years after entering college.

Mass Mutual offers three essential tips to pay for kids’ college education:

  1. Apply for scholarships. Look for some available through local community organizations, foundations, corporations, and nonprofit groups. Online tools to help you: FederalStudentAid and TuitionFundingSources.com.

 

  1. Fill out the Free Application for Federal Student Aid (FAFSA) form. Completing the form is the first step toward getting financial aid for college, including aid that doesn’t need to be paid back, such as federal grant money. It only takes 30 minutes to complete online and provides access to grants, loans, and work study programs. More information can be found on fafsa.ed.gov.

 

  1. Encourage monetary gifts (including 529 plan gift cards) from family members and friends to put toward college savings plans.

 

 

 

 

Money – Black Enterprise

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Shop select Free People sale and clearance items at Bloomingdales.com!

How This College Entrepreneur Juggles School and Business

Reign Bow Ties

William Murphy, an entrepreneur, and junior in college at Michigan State University (MSU), was fed up seeing the same fashion trends being worn by the “cool kids” in high school so he decided to re-create his own individual style with a line of bow ties. “After testing and selling my bowties to other high school students, I realized I had a product,” says Murphy. Following months of planning, Reign Bow Ties was launched.

Murphy’s ambition has given him an opportunity to debut his line at MSU Fashion week, speak at the My Brother’s/Sister’s Keeper program, and talk about his business on WXYZ Detroit. On top of everything else, Murphy works as a Lead Spartan Success Coach at MSU, assisting freshmen with their transition to college.

Below he details how he juggles his business and college coursework.

Reign Bow Ties

Tell us about your startup cost and process:

It cost less than $ 50 to start Reign Bow Ties. I launched on Etsy where the fee is $ 0.20 to list each new product. At the time we only had  five to 10 bow ties. We spent about $ 30 on new fabric and interfacing. The rest of the bow ties were made using fabric from old shirts I’d cut up. We had my mom’s home sewing machine. The boxes we needed to ship orders cost $ 10. I also invested in patterns and business cards, and had our amateur patterns redone by a professional.

What time do you start your day?
I start my day at 7 a.m. I’m usually not done until midnight. I get dressed, say a prayer, and listen to motivation from Eric Thomas.

What’s your best advice for managing your time?

Buying a planner is great but using the calendar on your phone is just as good. At the start of every semester, I map out my classes on my phone calendar. When I’m not in class I’m either in the gym, studying, or finishing up business work. We all have the same 24 hours a day, the key is how effective are you using these hours?

What’s your best daily marketing tool?

Instagram. Not only does it allow us to tell our story with pictures but using Instagram also allows us to engage with our followers. It can also be used to drive traffic to your shop.

What is it about your business that turns followers into customers?

We know who we’re marketing to. The idea behind our bow ties was to provide a fresh new take on how to wear a bow tie. Instead of wearing them to formal occasions, I wanted people to realize that a bow tie could be worn with jeans and sneakers too. By using fabric that was trending at the moment and catering to the style our customers were looking for, we created our own fan base from our followers.

 

Small Business – Black Enterprise

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North Carolina Academic Fraud Decision Exposes College Sports Hypocrisy

Major college sports scandals tend to fall into several categories. One involves money. Compensation for college athletes is limited to scholarships and stipends; market-based salaries and third-party sponsorships are prohibited. So benefits must slip under the table. Look no further than the potential grandaddy of all financial fracases, the FBI-led criminal investigation — made public in September — into six-figure payments to college basketball players and their families, and five-figure bribes to coaches. The probe has resulted in 10 arrests of assorted sneaker company reps, financial advisers, and assistant coaches, Hall of Fame Louisville Coach Rick Pitino all but officially losing his job, and the potential for crippling penalties to be imposed on some of the nation’s top hoops programs.

Another involves academics. Like when North Carolina athletes — many from the football and men’s basketball teams — took over 1,800 sham classes requiring minimal work from 1999-2011, largely to inflate grades and boost their eligibility according to an independent report released in 2014.

Only in the curious world of college sports would the gears of capitalism, in the form of payments received by college athletes because another party values their services, help spark a criminal investigation, whereas a clear violation of the fundamental premise of college athletics — students will receive an education in lieu of payment— gets a pass.

On Friday, the NCAA announced that it “could not conclude that the University of North Carolina violated NCAA academic rules” in the phony class scandal. So it did not levy any punishment on its athletic department. No future scholarships were stripped, no wins were vacated, no restrictions on bowl eligibility or post-season play were handed down. The NCAA did not deny the existence of academic fraud at North Carolina, but concluded that since the classes were open to the entire student body, it could not penalize North Carolina athletics. (North Carolina has disputed some findings of the independent report).

“While student-athletes likely benefited from the so-called ‘paper courses’ offered by North Carolina, the information available in the record did not establish that the courses were solely created, offered and maintained as an orchestrated effort to benefit student-athletes,” said Greg Sankey, the commissioner of the Southeastern Conference, who headed a panel that investigated the case. The NCAA subtlety shifted some blame to schools who sign off on its bylaws. “NCAA policy is clear,” he said. “The NCAA defers to its member schools to determine whether academic fraud occurred and, ultimately, the panel is bound to making decisions within the rules set by the membership.”

For years, North Carolina gamed the system, and cheated athletes. Some were funneled into classes that required little work for high grades. While their educations suffered, the athletes entertained Tar Heel fans, minted money for the school, and helped line the pockets of coaches and administrators. And the school got away with it. “The NCAA’s decision doesn’t really surprise me,” says Mary Willingham, a learning specialist in the North Carolina athletic department from 2003-2010 who blew the whistle on the academic scandal, and later reached a legal settlement with the university; she had sued North Carolina, saying that she was subject to retaliation for speaking out. “At the same time, it’s sad. It’s appalling. We’re just exploiting kids. We don’t care if they get an education.” Willingham insists the paper class curriculum in the school’s Department of African and Afro-American Studies benefitted sports teams. “I saw it for seven years,” says Willingham, who now works as a literacy director for charter schools in Arkansas. “The conversation was, ‘pop this kids out of this class, put him in a paper class to keep him eligible.’”

The contrast between the lack of fallout in the North Carolina scandal and the seriousness of the criminal probe into college hoops is striking. The defendants in the federal cases may have violated statutes regarding interstate commerce and acted unethically. For example, any coach who steers an impressionable young athlete to a certain adviser because that adviser had paid him is quite shady at best. Still, the underground college sports economy that the FBI exposed exists because the NCAA restricts the earning power of its athletes. “If you remove amateurism and you remove NCAA rules that athletes can’t be compensated, what is wrong with the movement of money to get things that people want?” says Kenneth Shropshire, professor of global sport at Arizona State University. “If I go to Wall Street, some of the richest people on the planet are compensated for introducing people to other people with money, and taking a percentage for that introduction. Deals are brokered all the time. Classically that’s called business.”

After today’s NCAA decision, the message is clear. Coaches and companies who’ve paid college kids, because they’re talented, should be quaking under the desks. The FBI could be trailing you. Schools that play games with academics and defraud athletes of a true education: the consequences could be far less severe.

 

 

 

 

 


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Martin not surprised by alleged corruption in college hoops

COLUMBIA, S.C. (AP) — South Carolina coach Frank Martin isn’t surprised by allegations of corruption in college basketball, though he was stunned one of his friends and former assistants was among the 10 arrested in the national federal investigation of the sport.

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A Corruption Probe Into College Hoops Exposes More Than Shady Deals

The criminal complaint unveiled in late September contained all sorts of unsavory details about college basketball’s underground economy: five-figure bribes to coaches, six-figure payouts to high school players and their families, and the alleged complicity of employees at some of the nation’s most prominent universities.

The 10 defendants “allegedly exploited the hoop dreams of student-athletes around the country,” said Joon H. Kim, the acting U.S. attorney for the Southern District of New York. The FBI opened a tip line, and officials suggested more bombshells to come.

It was a public service but not only in the ways federal investigators intended. Indeed, the lasting legacy of the probe into the corruption of college hoops may turn out to be a government-backed reminder of the hypocrisy at the heart of big-time college sports.

The NCAA, which governs most intercollegiate sports in the U.S., requires that athletes maintain their amateur status in order to play. That means they can’t accept any compensation beyond an athletic scholarship and a meager cost-of-living stipend, or profit from their likeness in any way.

The NCAA and the colleges where these athletes play, however, are free to cash in. And boy, do they: Under Armour is paying UCLA roughly $ 18.7 million per year to be its exclusive shoe and apparel sponsor; the College Football Playoff sold its broadcast rights for more than $ 7 billion over 12 years; while TV rights for March Madness, the men’s basketball tournament that accounts for the bulk of the NCAA’s revenue, fetch more than $ 700 million annually.

It’s little wonder there was an opening for the kinds of payoffs and kickbacks detailed by the feds. Among the allegations: an Adidas employee and representatives of sports-management and investment-services companies funneled $ 100,000 to a top high school recruit in exchange for his commitment to attend the University of Louisville and sign with Adidas and work with the companies in question once he turned pro. After the news was made public, Louisville placed head coach Rick Pitino, whose success on the court has lately been overshadowed by negative headlines off of it, on administrative leave. (Pitino denied any knowledge of the accusations.) The complaint also accused Auburn associate head coach Chuck Person, a former NBA player, of accepting a bribe to steer one of his players to a financial adviser as a client. (An attorney for Person declined comment.)

That coaches and others in a position of trust would prey on younger people in their care is a shame. But the current system, which allows major institutions to reap large profits from the unpaid labor of students, should not escape judgment. “I can imagine this alternative universe where paying players is legal and above the table and coaches wouldn’t have had to lie,” says Nathaniel Grow, a professor of business law and ethics at Indiana University’s Kelley School of Business. Even the language used by U.S. attorney Kim shows how easy it is to fall into the NCAA’s linguistic trap. How, exactly, is an athlete receiving $ 100,000 in exchange for his services being “exploited”? Isn’t “enriched” a more appropriate descriptor?

The consequences of the investigation could ripple far beyond the basketball court. If the tip line gets as much inbound traffic as many observers expect and more players are found to have received payments–in violation of the NCAA’s restrictions on compensating the athletes that fans pay to see–the NCAA will be forced to punish Louisville and perhaps dozens of other top programs. Scholarships will be stripped, denying opportunities to future student-athletes and potentially hurting low-revenue sports that are subsidized by big-time hoops.

Some of the housecleaning to come is necessary. Top-tier college basketball has long been a bit of a cesspool, filled with too slick coaches and hangers-on with their hands out. Still, the game can be a force for good. Many athletes take their studies seriously. They learn to lead and manage their time and benefit from the experience throughout their lives. These athletes deserve to be fairly compensated for their labor, through a system that is legal, clean and transparent. Anything less will ensure that the current criminal investigation won’t be the last.

For more on these stories, visit time.com/ideas


This appears in the October 16, 2017 issue of TIME.
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White House, black college heads to meet amid strained ties

WASHINGTON — The presidents of historically black colleges and universities are making their second visit to the White House this year amid strains with the Trump administration over promises unkept.

An annual gathering in the nation’s capital for those schools has been reduced to a two-day summit, further aggravating college officials already frustrated with the White House’s slow pace on keeping its commitments.

“Everyone’s uptight in this day and age with our current president and with what’s going on,” said Ty Couey, president of the National HBCU Alumni Associations. “Things are out of control.”

Trump promised support for the schools during his presidential campaign and Black History Month meetings, when college presidents posed for pictures with the president in the White House.

This time, Trump will not be at the White House to receive them: His schedule puts him in New York for the U.N. General Assembly.

Advocates for the schools say there has been little to no action from the Trump administration, including its failure to name an executive director to an office dedicated to these institutions, or the lack of progress on moving that office from the Education Department to the White House, as promised.

In addition, the institutions have not seen increases in their funding in Trump’s proposed budget, and they had to beat back a White House push to call construction money for historically black colleges and universities unconstitutional. To make things worse, all that followed the school presidents posing with Trump for a photo in the Oval Office, which caused a backlash from students, faculty and alumni.

That led to calls from the colleges’ major advocates to postpone the annual National Historically Black Colleges and Universities Week Conference.

“It has become painstakingly clear that these promises are not being kept,” said Rep. Alma Adams, D-N.C., who leads the Congressional HBCU Caucus.

“In this current environment, and with zero progress made on any of their priorities, it would be highly unproductive to ask HBCU presidents to come back to Washington,” she said.

The week is normally planned by the White House HBCU Initiative’s executive director along with a presidential HBCU advisory board, said Johnny C. Taylor, president and CEO of the Thurgood Marshall College Fund, a nonprofit organization that has supported public historically black colleges and universities since 1987.

“Regrettably, as of August 2017 neither has been appointed,” Taylor said.

Responding to “feedback from key stakeholders,” the Education Department sent an email Sept. 5 saying it was “postponing this year’s National HBCU Week Conference” and replacing it with “more intimate conversations.”

Omarosa Manigault Newman, a HBCU graduate and assistant to the president and director of communications for the White House Office of Public Liaison, told The Associated Press in a telephone interview last week that the conference was simply scaled back. She said the White House intended to announce an executive director for the initiative on Monday.

Also expected to be announced is a lineup of 62 HBCU “All-Stars” — students who serve as the initiative’s ambassadors to black colleges.

Newman said the leaders will discuss capital financing, improving student outcomes, alliances with the tech sector and post-secondary degrees. Students will get a tour of the White House, mentoring and a special tour of the Smithsonian National Museum of African American History and Culture.

“President Trump’s commitment to the HBCU Community remains strong and unwavering,” she said in a statement. “Registration remains at capacity and we are looking forward to welcoming HBCU presidents, students and guests.”

On Friday, Trump issued a presidential proclamation designating the upcoming week as HBCU week, and said those schools, many of which “were founded under the cold shadow of segregation and racial prejudice,” have long played “an integral role in our nation’s history, providing black Americans opportunities to learn and achieve their dreams.”

In February, Hari Sreenivasan spoke with Johnny Taylor, president and CEO of the Thurgood Marshall College Fund, and journalist Sophia Nelson about Trump’s plans for HBCUs.

The United Negro College Fund and its leaders said they “will be at the table at the White House.”

“UNCF intends to take every opportunity to participate in serious discussions with federal policymakers to ensure that each and every African-American student enjoys a successful journey from school to college and career,” the group said.

Trump received 8 percent of the African-American vote during the election. Since then, he has generated controversy through several statements, including saying last month said there were “very fine people” among the white nationalists, white supremacists and neo-Nazis protesting the possible removal of a Confederate statue in Charlottesville, Virginia.

“There is legitimate concern that some may want to use this event to protest, boycott or much worse, refuse to work with the Trump Administration and the Republican-controlled Congress,” Taylor said.

The White House is not the only game in town, Couey said.

“A lot of our time is not spent on Trump. He’s just one individual,” he said. “We have many friends in Congress that we interact with; we have many friends within the federal government. These are the people we’re dealing with, the people who actually get things done.”

Adams now plans to hold an inaugural “HBCU Brain Trust” meeting during the Congressional Black Caucus’ annual meeting.

“Despite the ongoing drama and unnecessary distractions of the president’s own making, we plan to move forward with opportunities for HBCU leaders to engage in substantive dialogues that put our schools and students first,” Adams said.

Associated Press writer Darlene Superville contributed to this story.

The post White House, black college heads to meet amid strained ties appeared first on PBS NewsHour.


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Go to Sports Illustrated for your college football fix

Don’t look now but your Saturday TV schedule from now through January will be plastered with college football — which is money in the bank for the country’s broadcast networks, sports cable networks and for the giant football factory universities. But if you’re not this type of weekend warrior, you better learn how to fake…
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