Tuesday 30 August 2011

Knorr Marketing


Advertising by Oliver Totzke


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Oracle Advertising and marketing is amongst the major advertising providers in england. The organization practices immediate promoting while they recognize it is the just practice which is measurable and also scalable.




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One clue about how a society is going and what direction it's taking is advertising. People and companies spend fortunes in advertising every year, every month, every week. Just a cursory look at what's being advertised will tell you something about the society we are living in and its values. Another indicator is to see what the mainstream media is paying attention to. That is even scarier and more obnoxious to me than the advertising indicators. In a sense, they both tell us what is important to citizens and what the public is buying in terms of both physical items and social and political concerns.

Look at the news. It used to be that the news was really news--something that was going to affect our lives politically and socially. Every time a news story gets "hot" it is sucking the life from stories that are important in less sexy, less "tabloid" issues. The impending collapse of social security and Medicare, the horrendous income tax mess, any real discussion about how to deal with the Middle East--all these are blithely shoved aside by a constant and repulsive explosion of parroting broadcasts about Paris Hilton, Brittany Spears and the death of Anna Nicole Smith. I find this not only repulsive and obnoxious, but, frankly, very scary. More and more important issues are ignored while tabloid issues take front and center. More and more we see the same phrases bandied about by newscasters who cry "tragic" with regard to Anna Nicole Smith and "hot item" with regard to Paris Hilton. And these stories go on for weeks, taking up entire news cycles that ignore more important issues. The frightening thing about this is that evidently people are watching this junk, and this is really scary to me because it means they're not demanding that news broadcasters get back to reporting about matters of some importance. In a sense, the news itself has become one big advertising medium because tabloid issues sell papers and media.

The news has always been in love with negative reporting, but more and more, we see an increase in reportage about high profile sports figures who behave like thugs. It is as if these people are important to our lives and our futures. There has always been a symbiotic relationship between the public and the media. If people would turn off the irrelevant news and stop taking papers who advertise garbage reporting, this would become more balanced, we'd begin to see some interesting and really important subjects begin to appear. If I hear one more time the phrase "global warming" I'll throw up. Neither the media nor politicians have allowed alternate points of view on the issue of climate change to have any voice whatsoever. It's as if all those dissenting with the argument about human causes for climate change are dismissed with a frightening stubbornness that echoes the controlled media of past fascist regimes. Silence any opposition by ignoring it and magnify only one point of view. This was the method used by Hitler and by Mussolini in pre-war Germany and Italy to convince whole populations of one particular point of view, and it's quite frightening and horrendous. I find that any time we see the media broadcasting only one point of view we're in danger of being manipulated for political and social reasons that have nothing to do with the issue at hand.

Now onto advertising. Advertisers are constantly touting Viagra and many drugs that emphasize sexual performance. Sexy women with tight pants who have become more and more "tough" and less and less feminine sell cars. I have really noticed that prime time has become dominated by Viagra ads, ads for drugs to make us sleep, keep us happy, make our kids less disruptive in school. Then there are the ads from loudmouth lawyers who scream that they can retrieve money for us from "damages lawsuits" regarding any number of things. Have a lung disease? Call Lawyer A. Have a kid with Cerebral Palsy or autism? Call Lawyer B. What about a heart condition or death? Call Lawyer C, who can make a case it was caused by anti-depressants or any number of other things. In short, advertising at the most heavily watched prime time is dominated by ads that sell sex, lawsuits and drugs. If that doesn't give anyone pause to wonder what the American public is buying, I don't know what is.

Frankly, these trends are not only obnoxious; they're disturbing and quite frightening. What they show us about ourselves and our willingness to pay attention to these ads and to care about the useless tabloid "reporting" is a reflection of our willingness to accept whatever is thrown our way without question. They are more than just passing trends. They are a reflection of a society that is losing cohesion and decent moral standards. They are, in fact, indicators of the increasing selfishness, self-centered crassness, and indifference to our common unity of purpose and principles.

Friday 19 August 2011

Comparing Granite and Marble Countertops: Which One particular Need to You Choose?

Granite and marble are the two stones which suggests they can be the two durable, serious, and incredibly tough. Concurrently, since each these stones can truly final a life span, they are both equally equally high priced and extremely tough to polish and install. Given that they can be each stones, they may be by natural means patterned, consequently, chances are you'll get granite or surface encounters marble that is not very equivalent on the style from your catalog that you ordered so it would be best to really see the genuine merchandise when deciding on the kind of design and style and pattern that you just want as a substitute of relying only on pictures. The two are heat resistant and so they tend not to scorch when put even that has a incredibly scorching product such as iron pots and pans.



Nevertheless, granite is way more challenging than marble and it really is more resistant to scratches and large impacts in comparison to marble. Simultaneously, granite is much more defiant to acids this sort of as vinegar, lemon juice, and tomato juice, along with other things with superior ranges of acidity. To assist you far better fully grasp the strengths of both equally stones, let us acquire a nearer appear as to how they have been shaped. Marble, and all its stone family - onyx, travertine, and limestone on the onset had been sediments manufactured of shells, plant issue, animal skeletons, and silt which all settled at the bottom of bodies of drinking water and after several years of getting soaked in h2o, they solidify and develop into stones/ Marble’s key element is calcium and that's the cause why it has a tendency to react to acids such as vinegar as well as other beverages that have citrus. Granite, on the flip side, is built up of crystallized minerals formed in the earth’s mantle at superior temperature. The end result is often a difficult, extremely resistant stone. Marble is often scratched and etched by acids since it is manufactured of calcium carbonate which can be very much like chalk but the only difference is surface encounters marble is compressed and inside a crystallized kind. In the same way, marble has fewer patterns, actually it's much more frequently marketed in its white shade so stains and mars could stand out a lot more subjected in marble. Granite has a a lot more complicated pattern that may cover the stains much better. Concerning styles even so, marble includes a finer, much more elegant seem than granite. The crystal formations in marble are additional satiny and finer in nature rendering it seem much more deluxe. Granite has larger, pea-sized crystals that happen to be coarser towards the eye.



In the long run, with regards to longevity, the granite countertop would be far more resilient and more resistant to stains and scratches even though the seems to be are won by marble. Marble on the other hand is inexpensive than granite but it surely demands larger upkeep. So, all of it boils right down to that which you genuinely want as a countertop. Would you settle to get a countertop that's very hard-wearing and however not as pretty as the other a single, or would you trade beauty for durability and power?

Monday 15 August 2011

Track record Check Somebody Utilizing Criminal Records

Finding the right individuals to function for you has in no way been an simple career. Everybody is outstanding at some thing but you have to determine if they're most likely to be fantastic at performing what you need them to do. Not simply that, you have to also make particular that they are going to match in together with your organization and current employees. This is why having good employment background procedures is important when you're hiring new employees.

I am sure your quest for online background check totally free on-line has come to an finish while you read this post. Sure, absent are these days when we have to research endlessly for track record free online information or other such information like background free on-line,criminal history background ,national criminal background checks or even possible employee background Even without content articles for instance this, utilizing the Web all you've got to complete is log on and use any with the search engines to discover the track record check free online information you'll need.

Use the forums-don't be frightened to join in on forum discussions with other website members. Ask concerns, share advice and assemble your expert network com.Be an excellent listener-demonstrate a real interest in what the interviewer needs to say. Try not to interrupt by interjecting a comment whilst a person else is talking (even if you're afraid you might neglect the stage you would like to create).

The best method to keep workers at your manufacturing plant.How you are able to keep employees at your manufacturing plant In terms of hiring employees you will find numerous suggestions and methods which you are able to adhere to to ideally utilize the most efficient employees that you can find.

Graffiti Background by ►CubaGallery


When you possess the persistence to go by means with the remainder of the article associated to background examine free online you'll undoubtedly comprehend one or two factors which will prove truly useful to you. Preserve correct on reading and be correctly informed about examine totally free on-line as well as other associated background totally free online,criminal background background , national criminal checks or possible worker background examine info.

In situation you're looking for a trustworthy company, you need to bear in thoughts that these solutions will arrive at a price. Generally, nevertheless, the fee is nominal. You will discover websites that claim to provide a totally free support, but usually they are very very best avoided.

Dealing using the Colorado Springs criminal legislation just is not an normal factor and is consequently very best left to educated lawyers. The skilled Colorado criminal defen.If an employee has endured an damage at his workplace then he has the right to declare for compensation. The insurance companies nevertheless make an effort to stall the identical.

It might interest you to understand that plenty of folks searching for records search totally free on-line also acquired information concerning other background examine free on-line,criminal history background checks, national criminal checks, also as potential worker track record examine here effortlessly.

What can go wrong will go wrong, in the worst second. They may be as a result of human mistakes or oversight, incomplete or out-dated particulars, mistaken identity or identity theft and so forth. What ever the case is, we wouldn't be oblivious to the hurt or victimization and might be well-prepared to face up to issues if required. And if we do turn up some factor unfavorable but correct from the self-check, we get a opportunity to repair it forward.



Time for you to Fix A Reduced Credit rating Having a Poor Credit score Loan

Much more and more loan companies, employers, landlords and insurance companies are checking your FICO score as part of their process of approving your loan, landing a job, getting your own home to reside, or good rates given for any type of insurance coverage which you may have applied for. To attain all of these things which you are dreaming of accomplishing building a good check my credit score background will be the initial factor which you have to do if in situation you got 1 having a poor background.

Credit score scores begin from the reduced 300 to the cream with the crop 850. A regular customer includes a credit score assortment of 600 to 700 but some might have more than this. A FICO score is the foundation of most lenders and credit bureaus of computing your creditworthiness. A good credit score score falls on an average of 720 and above. Exactly where does 1 get the info on their respective credit score scores? By law this is given for totally free once a yr coming in the three main credit bureaus: Equifax, Experian and TransUnion. Your scores and credit score background exhibits your current and closed accounts also as your payment background.

Lenders do generally have a look on your check my credit score background because the basis on whether they will grant your loan at a great rate of interest or deny this completely. If correct now you are intrigued on applying to get a mortgage that necessitates a substantial credit score then it could be best to use for FICO score monitoring which usually provides you an update on your scores on a weekly basis. Subscribing to this online service alerts you when you have reach your substantial score goal so long as you setup a threshold for it. Some would go as far as sending you an sms to alert you whenever your scores have change for your much better or for your worst.

Maximize your credit score with http://www.7stepsto720.com on credit score scale and attain 720 credit score  by bbrij873


To help you build a better credit score and history listed here are some easy guidelines to follow:

Request a copy of your credit report as needed if not wait for it once a yr but do monitor your background for any mistakes. In the event you see discrepancies then you can dispute them by going via your reports completely.


Pay your expenses on time. Include some more around the minimal quantity that you usually spend since this would trigger your credit score to rise and would be noticeable for many lenders that you are a good borrower simply because you spend on time and is sincere in settling your expenses.Avoid maxing out in your credit score limit. This will certainly trigger your credit scores to drop that fast. Cancel credit cards which you aren't using or don't require and spend promptly for your credit card expenses.

Wednesday 3 August 2011

Help Making Money




Bruce Bennett/Getty Images



The Philadelphia Flyers made the wildest move of the offseason by not only entering the bidding war for Pittsburgh Penguins legend Jaromir Jagr, but stealing the show by signing him to a one-year deal.

All the talk was that the Penguins were going to sign Jagr to play alongside either Sidney Crosby or Evgeni Malkin, but Jagr decided to sign with the team that offered the best chance to win the Stanley Cup this season.

Many jaded Pittsburgh fans have said that the deal was all about the money, but Jagr and Flyers officials have said that Philadelphia did not offer the most money.

Flyers insider Tim Panaccio told Hockey Buzz:

Before I start talking, it surprised me when you said money – there were a lot more teams with a higher offer than Philadelphia. I didn’t think I was going to go there, but after the conversation with the coaches and Chris Pronger, I started to like it and I also like that there is something to this from their side, and that was important to me.

It is clear that Jagr sees this relationship as a one year stint to try and win the Stanley Cup with a team making a run this season. Jagr will become one of the team’s top wingers and work with some of the most talented athletes in the world.

One of the proposed line combinations would be Claude Giroux centering a line with Jagr on his right and James van Riemsdyk on his left. If that line does come to fruition, that could be one of the most offensively gifted lines in the NHL, and all Jagr has to do is camp out in front of the net.

The Flyers have been very close over the last few seasons, and if they get stellar play from the former NHL great, they will be in the position to steal the Stanley Cup this season.

Check back for more on the NHL as it comes, and check out Bleacher Report’s Hockey Page to get your fill of the NHL.



Most recent updates:



  • NHL Rumors: Alexei Yashin Will Be Perfect Compliment for Sidney Crosby

  • NHL Rumors: Will New York Islanders Risk Signing Enigmatic Wojtek Wolski?

  • NHL Trade Rumors: Detroit Red Wings Primed for Major Midseason Moves


  • View all updates


Investing legend Paul Merriman, shares the lessons learned and secrets discovered over more than 40 years as one of the world’s leading investment professionals.

John Nyaradi:


Hi, everyone, I’m John Nyaradi, publisher of Wall Street Sector Selector, a financial media site specializing in exchange traded funds and global financial and economic analysis. Today, I’m pleased to welcome our special guest, Paul Merriman. Paul, welcome to Wall Street Sector Selector.


Paul Merriman:


Thanks John, it’s great to be with you.


John Nyaradi:


Paul is one of the true giants of the investing and financial management business. He is founder of Merriman Incorporated, an investment advisory firm based in Seattle, Washington, that manages approximately $1.6 billion for thousands of families across the country.


Paul is a widely respected expert on mutual fund investing. He’s editor of the FundAdvice.com website and his podcast, “Sound Investing,” was named the best podcast in 2008 by Money Magazine. He’s author of a highly acclaimed book, “Live it Up Without Outliving Your Money: Getting the Most from Your Investments in Retirement,” by John Wiley and Sons and is widely quoted in major financial magazines and media.


Paul, let’s start out with your company’s motto, “Invest wisely and live fully.” I like that a lot. Can you give us a sense of what you mean by that, “Invest wisely and live fully?” How do you do that for people?


Paul Merriman:


My view of investing wisely is simply to do the smart, savvy things with our money to maximize our return without getting greedy. And I think one of the wisest things we can do is to invest within our risk limits. Investing wisely also means minimizing expenses and taxes. We believe in massive diversification. We believe that the more stocks you have in the portfolio, the better you will do, not the more average you will be.


The live fully aspect means that not only do you have enough money but that you are also able to enjoy it. Too many people have way more money than they need but find it difficult to enjoy it.


I just spoke with a client who’s down in Mexico. He’s been a client for over 20 years, and I know he’s got more money than he needs. He wants to buy a second house in Mexico. He must have talked to me five times about whether the purchase makes sense. And every time I spoke with him, his burning question was, “Now Paul, are you sure we have enough?” We convinced him, yes, he does have enough…and he’s making the offer, closing the deal, and that is what we think living fully is. Not just having enough, but feeling secure so you can spend it and enjoy it.


John Nyaradi:


That’s got to be a rewarding work especially in today’s environment after the post crash environment we’re in and the pain everybody went through.


Paul Merriman:


John, would you mind if I comment on what you just said?


John Nyaradi:


Please, go ahead.


Paul Merriman:


A lot of people complain about the emotional and financial pain of the 2007-2009 bear market. I think the problem was compounded by going through two big bear markets in 10 years, each of them about the same as the 73-74 decline. That much pain without an extended bull market in between is hard for people to digest and build confidence in the market. It has been one hell of a 10 year period.


John Nyaradi:


Yes, it really has been…you’re a unique animal, Paul, I think, because people tend to be either buy-and-hold people or market timing people, but you do both in your portfolios. I’ve read about what you call “the ultimate buy and hold strategy,” could you give us a little insight into that?


Paul Merriman:


Well, “the ultimate buy and hold strategy” is the title of one of my favorite articles to help people build a better buy and hold portfolio. The term “ultimate,” sounds like a big promise, but it simply means it’s the best I’ve been able to find.


As you know there are thousands of ways to build a portfolio using different asset classes. What we’re looking for are asset classes that have an absolute record of success, and a record of high units of return per unit of risk.


Now, obviously, I can’t know, nor do I try to predict, the future. But what I do have is 80 plus years of evidence that these asset classes have produced great returns. Sure, they don’t go up all the time, but not a one of them has ever failed. Not one has declared bankruptcy. Not one has ever experienced a permanent bear market.


John Nyaradi:


Right.


Paul Merriman:


All of these asset classes qualify as being survivors on a long term basis. So once we determine which asset classes qualify to be in the portfolio we have to decide how much we should invest in each one. I have tried to make that easy by giving people exact percentages in each asset class and funds that offer those asset classes.


John Nyaradi:


I think you said at one point that the choice of those assets is responsible for 95% of your return. How do you fine tune these allocations?


Paul Merriman:


For over 15 years we have recommended a very simple equity allocation. Half U.S., half international, half large, half small, half value and half growth. The equity part also includes REITS and emerging market asset classes.


Then it’s simply a matter of finding the right balance of fixed income to go along with exposure to the equity asset classes. I find most investors are unwilling to accept the risk of an all equity portfolio so we need to find the right balance of fixed income that produces the needed return within the risk limits of each investor. I am always looking for the combination that will produce peace of mind with a reasonable piece of the action.


John Nyaradi:


Sure.


Paul Merriman:


I’ve tried to help investors by building a tabIe of many combinations of fixed income and equity asset classes. The table is in, “Fine Tuning Your Asset Allocation,” at Fundadvice.com. And John, all my work comes with a guarantee. I guarantee if you follow my advice, you will lose money. That’s not the guarantee investors want to hear, but it’s the reality of any risk oriented investment.


John Nyaradi:


Sure.


Paul Merriman:


We should all know what level of risk we’re taking. And I don’t mean some generic risk that is indefinable. I’m looking for a number. The table covers over 40 years of data. It gives an investor a real time relationship between risk and return. If you’re willing to lose 5% to 50% of your money the table shows the likely return you will get over the long run.


John Nyaradi:


Could you talk a little about the market timing in your portfolios?


Paul Merriman:


To start with, I want to make sure that your audience understands that I’m not advocating timing over buy and hold. I know buy-and-hold is a lot easier emotionally. And it’s also a lot more tax efficient.


But there are a lot of people who will simply not accept the idea of holding equities without an exit strategy. Some advisors will tell investors, “You’ve got 50% of your money in bonds so why should you worry about stocks going down? They always come back.” And the investor’s response is, “Hey listen. This is my money, buddy, and I don’t want to sit and watch it decline without some way of protecting it.”


It’s really the catastrophic decline that most people are worried about, and so we use timing with almost the same view philosophically as we use for buy-and-hold. We market time funds in dozens of asset classes. We market time equity funds as well as bond funds. Each account is built to the same risk tolerance test as the buy and hold investors.


Most of the timing we do uses traditional trend following strategies. We never predict where the market is going, only follow the trends. A lot of timing critics think market timers are trying to predict the future. We believe there are trends and they stay in place one way or the other for long periods of time. Those trends can make you decent money on the upside but the most important work is protecting against some terrible losses on the downside.


John Nyaradi:


I hear the word “risk” over and over in our conversation. In your list of 18 mistakes people make, I thought it was really interesting that mistake number 3 is taking too much risk, and mistake number 4 is taking too little risk. That sounds like a conflict.


Paul Merriman:


Well, too much risk is normally a challenge for people who are over confident and think they have more control over their investments than they do. Also, people who take too much risk are not aware how much risk they need to take. If you found out that you could achieve all your financial goals with half as much risk as you’re taking right now, I’d have to challenge you to why are you taking all of that risk?


John Nyaradi:


Sure.


Paul Merriman:


For some the higher risk comes because the investor thinks their friend appears to doing better than they are. By the way, I’ve yet to find an honest amateur investor when it comes to reporting returns. And so we have to be so careful what our benchmark is and how we measure our success.


But then people can also be scared to death of almost any risk. I’ve met people with 10% of their portfolio in stocks, and when they’re down during a bad bear market, they jump to the conclusion that it’s happening to their whole portfolio.


I know it doesn’t sound reasonable to feel that way, but that’s the way a lot of peoples’ minds work. They hate losing money. The fascinating part is if we can just get those people to commit 20 or 30% of their money to stocks, they can literally double their return in retirement. Just a little bit of additional risk. They don’t have to go 50% or 60%. Just to get up to 20%, or 30% can make a huge, huge difference.


John Nyaradi:


Paul, we’re taking in July, 2011, and looking ahead over the next few months, what do you see is the biggest dangers for us as retail investors and the biggest opportunities?


Paul Merriman:


Well, it looks to me like the last 45 years. I have been a chicken for as long as I’ve been in the investment business. I call myself an aggressive chicken, but a chicken nonetheless.


But the fact is there’s always list A, the good news and there’s always list B, the bad news. Both of those lists exist at all times. I have always tended to look at the bad list and to be cautious, so I’ve probably been more defensive as an investor than I needed to be. But what I really worry about is not about me because I have found 100% peace of mind with my investments. I’ve saved enough that I can quit working anytime and have plenty of income in retirement. So that worry is behind me.


John Nyaradi:


Sure.


Paul Merriman:


But here’s what I worry about. I worry that people who have learned the right things, the smart things, the wise things about investing will somehow get spooked by the market and either jump to some ultra safe situation, and as you know, typically at the wrong time, they’ll be enticed into putting their money into something like a guaranteed equity index annuity or some other terrible security that will cost a fortune in fees and be difficult or expensive to liquidate.


John Nyaradi:


Well, folks, it has been a real honor today to have been talking with one of the real giants of the industry, Paul Merriman, founder of Merriman Incorporated in Seattle, Washington and editor of FundAdvice.com. To learn more about Paul and his work, just follow the link at the end of this interview, and that will take you to his website, Merriman.com.


Paul, thanks so much for joining us and we’re all looking forward to talking with you again soon.


Paul Merriman:


Thank you, John, very, very much.


Visit Merriman Incorporated.


 


(This interview edited for length and clarity)




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Monday 1 August 2011

personal finance and budgeting







 


With August around the corner, college students need to start thinking about the new school year.  Whether you’re just starting college or going back for another year, you will have to balance your expenses with your limited income and still focus on your studies.  With the average student graduating with over $24,000 in college debt, it even more important today for them to plan ahead financially.

Build Your Budget


You might not have a lot of expenses during school, but that’s no excuse for not having a budget.  Even with limited income, you can develop excellent financial habits when you make a budget early on in life.


If you’re starting your first year, you might not have a clue where to start for a budget.  Visit your college’s financial aid page and search for projected expenses for students.  With these figures, you can put the information into your personal budgeting worksheet and start the school year right.

Apply For Financial Aid and Work Study


If you've completed your FAFSA, you should call or visit your school’s website for information about student jobs or last minute scholarship information. 


Most schools don’t post the work study positions until the fall, so if you’ve completed your FAFSA and are eligible for a position, keep checking the job posting site often.  It doesn’t hurt to make contact with the department you would like to work in and talk with the secretary or department chair about open positions.  Be prepared and bring a resume to stand out from other applicants. 

Search For Used Books and School Supplies


One of the most understated expenses at college is buying books for the year.  It’s not uncommon for textbook to cost $150 to $300 for one class that lasts only 16 weeks! Before you buy, try these tips to save money:

  • Borrow from a friend.  Ask around on facebook or in your dorm to see if someone is keeping their old book.  If you can borrow from a friend, you can end up saving hundreds of dollars each semester.
  • Visit a local used bookstore.  Most college towns have a local bookstore that sells used textbooks for a discount.  Plan ahead and bring your class list to the store to find the best deals.
  • Search on Craigslist, Amazon or eBay.  If you want to own your books, but don’t mind a used version, go online and search for some great deals.


(image credit: Carlos Porto)








 


With August around the corner, college students need to start thinking about the new school year.  Whether you’re just starting college or going back for another year, you will have to balance your expenses with your limited income and still focus on your studies.  With the average student graduating with over $24,000 in college debt, it even more important today for them to plan ahead financially.

Build Your Budget


You might not have a lot of expenses during school, but that’s no excuse for not having a budget.  Even with limited income, you can develop excellent financial habits when you make a budget early on in life.


If you’re starting your first year, you might not have a clue where to start for a budget.  Visit your college’s financial aid page and search for projected expenses for students.  With these figures, you can put the information into your personal budgeting worksheet and start the school year right.

Apply For Financial Aid and Work Study


If you've completed your FAFSA, you should call or visit your school’s website for information about student jobs or last minute scholarship information. 


Most schools don’t post the work study positions until the fall, so if you’ve completed your FAFSA and are eligible for a position, keep checking the job posting site often.  It doesn’t hurt to make contact with the department you would like to work in and talk with the secretary or department chair about open positions.  Be prepared and bring a resume to stand out from other applicants. 

Search For Used Books and School Supplies


One of the most understated expenses at college is buying books for the year.  It’s not uncommon for textbook to cost $150 to $300 for one class that lasts only 16 weeks! Before you buy, try these tips to save money:

  • Borrow from a friend.  Ask around on facebook or in your dorm to see if someone is keeping their old book.  If you can borrow from a friend, you can end up saving hundreds of dollars each semester.
  • Visit a local used bookstore.  Most college towns have a local bookstore that sells used textbooks for a discount.  Plan ahead and bring your class list to the store to find the best deals.
  • Search on Craigslist, Amazon or eBay.  If you want to own your books, but don’t mind a used version, go online and search for some great deals.


(image credit: Carlos Porto)



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