TIP OF THE WEEK - DECEMBER 27, 2010

10 Scam Warning Signs, Courtesy of FastWeb

Knowing these warning signs can keep you from being a scholarship scam victim.

1. Fees: You shouldn't have to pay to search for or apply for scholarships.

2. Credit card or bank account information needed: You should never
have to give credit card or bank account information to award providers.

3. Scholarship guarantee: No one can guarantee that you'll win a
scholarship because no one can control scholarship judges' decisions.
Also, be wary of "high success rates"—they usually do not refer to actual award winners.

4. No work involved: You can't avoid putting in time to fill out a
scholarship application.

5. No contact information: Legitimate sponsors should provide contact
information upon request. If the sponsor does not supply a valid e-mail
address, phone number and mailing address (not a PO box) after you've
asked for one, that could the sign of a scam.

6. Unsolicited scholarships: If you are called to receive an award for
which you never applied, be alert—it's most likely a scam.

7. Pressure tactics: Don't allow yourself to be pressured into applying
for a scholarship, especially if the sponsor is asking for money up front.

8. Claims of "exclusive" scholarships: Sponsors don't make their
scholarships available through only one service.

9. Sponsor goes out of their way to sound "official": Scammers sometimes use official-sounding words like "national," "education" or "federal" or they display an official-looking seal to fool you into thinking they are legit. Check with your school if you question a scholarship provider's legitimacy.

10. Your questions aren't answered directly: If you can't get a straight answer from a sponsor regarding their application.

Tip of the week - December 20, 2010

What to Do While Waiting for Admission Letters

Tips for keeping track of your college applications and keeping admissions officers in the loop. It may not look like it after you put your 10 pounds' worth of college applications in the mail, but the hard part starts once you've forked the applications over. For the following three or four months you will feel the stress of the infamous college waiting game as anxiety builds and the days go by without a letter of reply. But a little guidance and a heads up about what to expect can help you play that game like a pro. So until the mailman comes back carrying a university letter with your name on it, here are some answers to questions you may have along the way, compiled by U.S. News with the help of admissions counselors across the country.

How do I know the university has received my application? You should receive an acknowledgement E-mail that your application has been received. If you apply online, you should get this E-mail within a day or two. When it hits your in box, make sure that all information entered on the application (name, home address, etc.) is correct. Don't hesitate to call the admissions office if you accidentally entered the wrong information or if you don't get the E-mail at all. Every school's admission guidelines vary, so be sure to review the admissions requirements online before and after you turn in your application to avoid delaying the time it takes for them to consider your application.

How can I check the status of my application, and how often should I check it? Most colleges have status checks through their undergraduate admissions offices website. The confirmation that tells you they have received your application usually will have a website login and password so only you can see at what stage of the process your application is. Receipts of transcripts, letters of recommendation, and test scores are sometimes noted on these status pages, so check back regularly to make sure the required parts of your application have arrived.

How are admissions decisions made? There are so many factors that go into colleges' decision-making process that it's hard to ever really be certain about why any particular applicant gets accepted. Larger schools often break applicants into geographical sections and assign one or two people to inspect the applications from that region. Smaller schools might employ a board of admissions counselors who make the final cuts. In addition to your transcripts, essays, references, and everything else you've slaved over to meet the application deadline, admissions officers receive a high school profile with information about your school's test scores, curriculum, and college acceptance history, among other things, to better judge whether you are well suited for their college's academic intensity.

What should I do in the meantime? It's easy to become an application-status stalker as you count down the days until you know if you got in, but this in-between period is also a good time to alert the universities of changes or additions to your files. You also should use time to wrap up campus visits and do a sufficient amount of research on each school so that you can make more informed decisions once the acceptance (and rejection) letters start to roll in.

When will I find out if I got in or not? Ah, the million-dollar question. If you applied for early decision (deadlines are usually the end of October, beginning of November), you will most likely be notified before New Year's rolls around. Although you should check the university's website for its specific dates, if you apply for regular decision you will know by at least the beginning of April.

When should I start to worry if I haven't received a response? Give colleges about three weeks. If you haven't gotten a receipt from the school of your application by then, you should call the admissions office to double check. "Each year we hear from a few who thought they applied back in the fall, but they waited to call us in April, after notification letters have gone out, to ask why they didn't hear back, only to find out we never received their completed application," says Amy Widner of the Office of Undergraduate Admissions at Virginia Tech, which receives 19,000 freshman applications a year. "This is way too late!"

Do I have to wait for a letter in the mail to know if I got in or not or will I find out online? Many colleges send decisions electronically and follow up with a letter of reply.

How long until I receive a response if I turned in my application late? Trick question! Very few schools accept applications past the due date. If you do, however, turn in a late application, be sure to call the admissions office to make sure your application has been received.

What if I'm wait-listed? If you're wait-listed, you should be informed by that college what your chances are for being admitted and the date you will receive final word. You may be asked to call the admissions office or declare online whether you wish to stay on the list or be removed for good.

What if I am accepted to one of my safety schools before I hear from one of my top choices, and the safety school needs a response? You don't have to respond to a school right away, but your commitments to admission and financial aid offers should be given to the schools by the end of April. If you need more time, give the college a written request for an extension. This is one of the biggest decisions of your life, and colleges understand that. Make sure you give yourself enough time to weigh all the options.

TIP OF THE WEEK - December 13, 2010

"A MUST READ FOR EVERY MEMBER OF THE FAMILY CORPORATION"

QUESTION - Are my parents responsible for my educational loans?:

Parents are NOT responsible for any FEDERAL Student Loans (Stafford and/or Perkins). However, they are responsible for the Federal PLUS loans and any other alternative loans that require a co-signer. In general, the student is solely responsible for repaying their FEDERAL educational loans. You do not need to get your parents to cosign your federal student loans, even if you are under age 18, as the 'defense of infancy' does not apply to FEDERAL student loans. (The defense of infancy presumes that a minor is not able to enter into contracts, and considers any such contract to be void.)
There is an explicit exemption to this principle in the Higher Education Act with regard to federal student loans. However, lenders normally will require a cosigner on any type of private student loan. If your parents (or grandparents) want to help pay off your FEDERAL loan(s), you can have your billing statements sent to their address. Likewise, if your lender or loan servicer provides an electronic payment service, where the monthly payments are automatically deducted from a bank account, your parents can agree to have the payments deducted from their account. But your parents are under no obligation to repay your loans. If they forget to pay the bill on time or decide to cancel the electronic payment agreement, you will be held responsible for the payments, not them.

TIP OF THE WEEK – December 6, 2010

VOLUNTEER / COMMUNITY SERVICE PROJECTS

With the holiday season upon us and winter break approaching, now is a great time to start thinking about volunteer/community service projects! Taking up a service project for a few hours, days or weeks will help you to give back to your community helping those in need, but is also a great opportunity for you to discover something new about yourself or learn a new trade. In addition to building character on-going community service shows a commitment that many colleges value and could give your application the extra edge over competition needed to be admitted to the college of your choice. There are also many scholarships available that are based on community service. So between spending time with your family, hanging out with your friends, and catching up on some much needed rest and relaxation, take a little time to help those less fortunate than you.

TIP OF THE WEEK – November 29, 2010

Efficient note taking while doing homework is one of the most important study skills you need to succeed in school. These studying tips will help you get more out of lectures and class handouts, help you study more efficiently at home, and prepare for tests.

Here’s how to get started:
Steps
Pick one new note-taking strategy to try when doing homework. The following list contains some proven strategies, but don’t try all of them at once. Pick one to try this week, then add new tips as you incorporate the previous ones into your study routine.

• Make up symbols and abbreviations. This can be fun, plus you'll save time when you use your own shorthand system for taking notes.
• Review your notes. Students who review their notes the same day they take them—even for just five minutes—remember more than students who don't look at their class notes until they're studying for a test.
• Keep track of dates. Put the date on every page. If your binder pops open and your notes spill out, the dates will help you get the pages back in order. Dates can also help you remember exactly when you learned something.

Review the tips listed. Are you already using any of the tips? How well do they work for you? Are there any strategies listed that you think would work better than what you are doing now?

Tip: Review your notes even if there isn’t a test that week. By reviewing often, you will feel better prepared when a test is scheduled.

TIP OF THE WEEK – November 22, 2010

STUDYING TIPS
Efficient note taking is one of the most important study skills you need to succeed in school. These studying tips will help you get more out of lectures and class handouts, help you study more efficiently at home, and prepare for tests.

Here’s how to get started:
Steps
Pick one note-taking strategy to try in class. - The following list contains some proven strategies, but don’t try them all at once. Pick one to try this week, then add new tips as you incorporate the previous ones into your study routine.

• If it's on the board, write it down. Teachers use the board and projectors to present important information. If they emphasize a point by writing it on the board or using a projector, it's important enough to go into your notebook.
• Take notes in the margins of your handouts. Don't rewrite information that's already been prepared for you in a handout but add notes to yourself and clarifications the teacher offers in the margins.
• Write down definitions and examples. Pay special attention to definitions and examples that your teacher uses to illustrate and explain new concepts.
• Don't try to write down everything the teacher says. You'll never keep up. Just aim for the main concepts. Write down words the teacher emphasizes, key questions, and important points.
• Pay extra attention at the beginning and end of class. Teachers usually introduce the lesson at the start of the class. If you keep the agenda in mind as the class continues, you'll follow the lesson more easily. Teachers often review important concepts at the end of class. During this review, be sure you've got the important concepts in your notes.

Review the tips listed. Are you already using any of the tips? How well do they work for you? Are there any strategies listed that you think would work better than what you are doing now?

Tip: Write down the strategy and put it somewhere you will see it as a reminder, like in your planner or calendar, in the inside of a binder, or on the cover of a notebook. Then use the technique in one or more of your classes until you feel comfortable using it.

TIP OF THE WEEK – November 15, 2010

10 Financial Tips for College and
"Soon-to-Be” College Students

1. Use Credit Cards Sparingly
Use credit cards wisely because this is a chance to establish a solid credit history. Watch the interest rates. Don't be suckered by low introductory rates. Expect the interest rate, or annual percentage rate (APR), to climb above 20% in three to six months. Don't use the card for routine living expenses or a night on the town.

2. Pay all Credit Card Balances in Full
Remember: Credit is a loan--and it doesn't come from The Bank of Dad. That means any balance on the credit card must be repaid. Get a card with a low limit. Shop around for the best deal and read the fine print before signing up. If you move, inform the bank of your new address. Guard your credit card number and close unused accounts.

3. Get the Best Deal on a Checking Account
Shop around before opening a checking account. Smaller banks may offer a better deal. Compare fees. Ask if there's a fee for dealing with a teller, including deposits or withdrawals. Ask if there's a fee to use a debit card. Ask about ATM fees. Ask if overdraft protection is part of the student package. If not, ask about linking such coverage to a bank-issued credit card.

4. Keep Track of your Spending
Use cash whenever possible because counting out the bills underscores the connection between the purchased item and money leaving your wallet. Use a debit card before a credit card for the same reason. Keep track of spending because a budget means nothing without accurate accounting.

5. Set a Limit on Entertaining
Set a limit for walking-around money and stick to it. Hitting up the ATM for another fistful of crisp twenties is easy--and guaranteed to deplete your bank account.

6. Keep an Eye out for Free Money
Apply for scholarships. This requires digging and persistence. See what's available. Don't be bashful. If you have a shot, apply. If it's a long shot, how can you go wrong for the price of a stamp?

7. Get a Part-Time Job
Check out college work-study programs. A few jobs may be related to your studies. Otherwise, look for a job with tips such as waiting tables, parking cars or delivering pizza. Summer work is a necessity for many students, but don't overlook internships--they're a good way to get a taste of what you may make a career and establish contacts in the field.

8. Avoid taxes on Stupidity
Avoid unnecessary expenses at all costs. Parking fines are a tax on stupidity or laziness. Read the signs and follow the rules. This goes for little things like returning library books or videos. Pay your bills on time or you'll get stuck with a late fee.

9. Don’t Eat Out All the Time
Pack a lunch. This will save you big bucks. Don't eat regularly at fast-food restaurants because it will reduce your bank account while bloating your belly. At the supermarket, buy the house brand and increase your savings. Never shop on an empty stomach.

10. Look for Student Discounts
Clip coupons. Many businesses give students discounts in an effort to establish a relationship that will continue when they enter the real world and start earning a paycheck. Take advantage of the perks. Be on the lookout for deals on plane tickets, pizza, books, clothes--everything. The student newspaper is a good place to start. The Internet can be a gold mine of discounts.

TIP OF THE WEEK – November 8, 2010

Six Tips for Student Success


1. Use daily, weekly, and semester calendars to keep track of appointments and assignments and to plan how you want to use your time.

• Effective time managers don't rely on their memories to hold important dates and times. They write them down! This clears their brains for more important tasks like thinking.
• Combine due dates for several major projects on a long-term calendar to help you set and accomplish goals, plan and use your time wisely, and avoid procrastination or last minute panics.

2. Review your lecture and reading notes within 24 hours after you take them.

• Since we tend to forget about 80% of what we read or hear within the first 24 hours, this first review is vital to retention. Equally important, it helps you to build a "framework" of knowledge that you continually add to instead of starting from scratch.

3. Keep all your class materials syllabi, notes, papers, exams, and homework in a 3-ring binder.

• Many students spend half their time just getting organized. Do it as you go; then, use the time you've saved for valuable physical and mental recreation.

4. Establish a regular study routine, and study during daylight hours.

• Find a place that is comfortable but not too comfortable and always do your studying there, preferably during the same hours each day. Also, keep in mind that you're about 1.5 times more productive during the daylight hours than when the sun is down.

5. Begin preparing for exams from the first day of class.

• Make everything you do from taking notes, doing homework, writing papers, and taking quizzes an exam preparation strategy. Watch and listen for potential exam questions. Then, use the week before the exam to review not to learn.

6. When you need help, see your instructors during their office hours, and talk to your academic advisor.

TIP OF THE WEEK, NOVEMBER 2, 2010

TIPS TO GET TO KNOW YOUR PROFESSORS

Being friendly to your professors can pay off big at the end of the semester. Remember, the professor is the person who determines what grade you are going to get, so it's better to be on good terms with them. Many students just show up for class and never talk to their professor, so by putting in a little extra effort you can stand out from all of the "other" students.
Top 10 tips on how to get on the good side of your professors:
1. Try to meet with the professors one on one early in the semester (before you start having problems in the class).
2. Say hi if you see the professor walking around campus. Most students avoid professors or pretend they don't know them on campus.
3. Do the required assignments. Make sure you don't show up to class without doing the required reading or without the paper that is due.
4. Turn in work on time. Some professors are really particular about assignments being turned in on time, and may not accept work if it is late.
5. Don't be late to class. Some professors do not like it if you show up after the class has started, make sure you are always a little early to avoid this.
6. Do not miss any classes, otherwise professors will think that you don't care.
7. Contact the professor ahead of time if you absolutely have to miss a class.
8. Don't fall asleep in class. Bring a soda or coffee to class if this is a problem for you.
9. Ask or answer questions. This helps the professor get to know you.
10. Sit in the front of the class.  Professors get to know the students up in front of class because they are closer and seem more interested to be there. This will also help you concentrate and pay attention.
These are all tips that should help you get to know, and get along with the people who determine your grades.

TIP OF THE WEEK – October 25, 2010

Extracurricular Activities As Career Prep
Between juggling a full course load, social life and work-study job, it can be easy to forgo extracurricular activities. However, involvement in student activities can be a valuable asset when the time comes to apply for jobs.

The skills and experience you develop through student activities can be what puts you ahead of your competition in the interview process. Extracurriculars build the qualities - teamwork, commitment, responsibility, leadership - that employers value. Whether your preferred activity is the college newspaper, student government, a theater production or athletic team, your involvement indicates to employers that you possess the communication and teambuilding skills they value.

Develop Real-World Skills
Extracurricular activities can provide you with a higher level of responsibility and opportunities to supervise than those available at summer jobs. They can hone time management and organization abilities that will cross over into the professional world.

"Being involved in an organization where the students are setting goals and objectives and motivating other students is more beneficial... than spending a summer looking at a spreadsheet or crunching numbers," says Dana Ellis, firm director of recruiting for a financial services firm.

Recruiters look for students who have shown that they're effective communicators, can work as part of a team, and have good networking and relationship-building skills.

Student activities are also great for helping you figure out possible career paths. Most organizations offer a wide range of roles and responsibilities that accommodate a variety of interests and talents. You can experiment with different roles that will help you identify your own strengths, weaknesses and preferences.

Enhance Your Resume
Use student activities to add to your portfolio of work samples. This is especially important for visual and liberal arts majors, but it can be useful for all students come interview season.

Keep a souvenir or copies of materials from events and activities you helped organize. Press kits, theater production programs, even a budget spreadsheet you created can give potential employers a better sense of your skills and accomplishments.

Also, maintain a record of your tasks and projects within the student organization. What was the purpose of your role? How did that contribute to the organization or project

Selling Your Experience to Employers
When interviewing for jobs, it's very important to communicate to the recruiter how your extracurricular experiences translate into real-world skills.

Be ready to provide examples of your work and skill set.
"We devote a fair amount of attention to applicants' extracurriculars," Ellis says. "We like them to give us specific examples of their experiences and accomplishments because that gives us an idea of their potential and what they might do in our organization."

Do your homework.
Research the company, know the job description, and look at the responsibilities of the position you're applying for. Think about your extracurricular experience and how you've demonstrated those skills in the past. Tie them in with the responsibilities of the job position.

Don't Over-Commit.
While being involved in a large number of activities might show good time management skills, most employers would rather see a person who has achieved senior or leadership positions in only a few organizations.

Keep in mind that extracurriculars are still just one part of your resume. Employers look at the whole picture, including grades, internships, volunteer work, references and life experience. Therefore a good balance is important.

TIP OF THE WEEK – October 18, 2010

7 Practices for Computer Security

Access to information and entertainment, credit and financial services, products from every corner of the world — even to your work — is greater than ever. Thanks to the internet, you can play a friendly game with an opponent across the ocean; review and rate videos, songs, or clothes; get expert advice in an instant; or collaborate with far-flung co-workers in a "virtual" office.
But the internet — and the anonymity it affords — also can give online scammers, hackers, and identity thieves access to your computer, personal information, finances, and more.
With awareness as your safety net, you can minimize the chance of an internet mishap. Being on guard online helps you protect your information, your computer, and your money. To be safer and more secure online, make these seven practices part of your online routine.

1. Protect your personal information. It's valuable.
To an identity thief, your personal information can provide instant access to your financial accounts, your credit record, and other assets. If you think no one would be interested in YOUR personal information, think again. ANYONE can be a victim of identity theft. In fact, according to the Federal Trade Commission, millions of people become victims every year.
2. Know who you're dealing with.
And what you're getting into. If it's your first time on an unfamiliar site, call the seller's phone number, so you know you can reach them if you need to. If you can't find a working phone number, take your business elsewhere.
Type the site's name into a search engine: If you find unfavorable reviews posted, you may be better off doing business with a different seller.
Consider using a software toolbar that rates websites and warns you if a site has gotten unfavorable reports from experts and other internet users. Some reputable companies provide free tools that may alert you if a website is a known phishing site or is used to distribute spyware.
3. File-Sharing: Worth the hidden costs?
Every day, millions of computer users share files online. File-sharing can give people access to a wealth of information, including music, games, and software. How does it work? You download special software that connects your computer to an informal network of other computers running the same software. Millions of users could be connected to each other through this software at one time. Often, the software is free and easy to access.
But file-sharing can have a number of risks. If you don't check the proper settings, you could allow access not only to the files you intend to share, but also to other information on your hard drive, like your tax returns, email messages, medical records, photos, or other personal documents. In addition, you may unwittingly download malware or pornography labeled as something else. Or you may download material that is protected by the copyright laws, which would mean you could be breaking the law.
4. Use security software that updates automatically.
Keep your security software active and current: at a minimum, your computer should have anti-virus and anti-spyware software, and a firewall. You can buy stand-alone programs for each element or a security suite that includes these programs from a variety of sources, including commercial vendors or from your Internet Service Provider. Security software that comes pre-installed on a computer generally works for a short time unless you pay a subscription fee to keep it in effect. In any case, security software protects against the newest threats only if it is up-to-date. That's why it is critical to set your security software to update automatically.
5. Keep your operating system and Web browser up-to-date, and learn about their security features.
Hackers also take advantage of Web browsers (like Firefox or Internet Explorer) and operating system software (like Windows or Mac's OS) that don't have the latest security updates. Operating system companies issue security patches for flaws that they find in their systems, so it's important to set your operating system and Web browser software to download and install security patches automatically.
In addition, you can increase your online security by changing the built-in security and privacy settings in your operating system or browser. Check the "Tools" or "Options" menus to learn how to upgrade from the default settings. Use your "Help" function for more information about your choices.
If you're not using your computer for an extended period, disconnect it from the internet. When it's disconnected, the computer doesn't send or receive information from the internet and isn't vulnerable to hackers.
6. Protect your passwords.
Keep your passwords in a secure place, and out of plain sight. Don't share them on the internet, over email, or on the phone. Your Internet Service Provider (ISP) should never ask for your password.
In addition, hackers may try to figure out your passwords to gain access to your computer. To make it tougher for them:

• Use passwords that have at least eight characters and include numbers or symbols. The longer the password, the tougher it is to crack. A 12-character password is stronger than one with eight characters.
• Avoid common words: some hackers use programs that can try every word in the dictionary.
• Don't use your personal information, your login name, or adjacent keys on the keyboard as passwords.
• Change your passwords regularly (at a minimum, every 90 days).
• Don't use the same password for each online account you access.

7. Back up important files.
If you follow these tips, you're more likely to be free of interference from hackers, viruses, and spammers. But no system is completely secure. If you have important files stored on your computer, copy them onto a removable disc or an external hard drive, and store it in a safe place.
8. Learn what to do in an emergency.
If you suspect malicious software is lurking on your computer, stop shopping, banking, and other online activities that involve user names, passwords, or other sensitive information. Malicious software could be sending your personal information to identity thieves.
Confirm that your security software is up-to-date, then use it to scan your computer. Delete everything the program identifies as a problem. You may have to restart your computer for the changes to take effect.

TIP OF THE WEEK – October 11, 2010

To all of you with Colllege Bound Students, friends with College Bound Students and those of you who know folks with College Bound Students, this material and all the other material in our package for College Bound Students is no longer an option. 
It's a necessity!

Test Anxiety
Most students experience some level of anxiety during an exam.  However, when anxiety affects exam performance it can become a problem.

General preparation/building confidence:

• Review your personal situation and skills
• Developing good study habits and strategies
• Managing time (dealing with procrastination, distractions, laziness).  Organizing material to be studied and learned
• Take a step by step approach to build a strategy and not get overwhelmed.  Outside pressures success/failure consequences (grades, graduation), peer pressure, competitiveness, etc.
• Reviewing your past performance on tests to improve and learn from experience

Test preparation to reduce anxiety: 

• Approach the exam with confidence.  Use whatever strategies you can to personalize success: visualization, logic, talking to yourself, practice, team work, journaling, etc.  View the exam as an opportunity to show how much you've studied and to receive a reward for the studying you've done
• Be prepared!  Learn your material thoroughly and organize what materials you will need for the test.  Use a checklist
• Choose a comfortable location for taking the test with good lighting and minimal distractions
• Allow yourself plenty of time, especially to do things you need to do before the test and still get there a little early
• Avoid thinking you need to cram just before
• Strive for a relaxed state of concentration.  Avoid speaking with any fellow students who have not prepared, who express negativity, who will distract your preparation
• A program of exercise is said to sharpen the mind
• Get a good night's sleep the night before the exam
• Don't go to the exam with an empty stomach.  Fresh fruits and vegetables are often recommended to reduce stress.  Stressful foods can include processed foods, artificial sweeteners, carbonated soft drinks, chocolate, eggs, fried foods, junk foods, pork, red meat, sugar, white flour products, chips and similar snack foods, foods containing preservatives or heavy spices.  Take a small snack, or some other nourishment to help take your mind off of your anxiety.  Avoid high sugar content (candy).

During the test:

• Read the directions carefully
• Budget your test taking time
• Change positions to help you relax
• If you go blank, skip the question and go on
• If you're taking an essay test and you go blank on the whole test, pick a question and start writing.  It may trigger the answer in your mind
• Don't panic when students start handing in their papers.  There's no reward for being the first done

If you find yourself tensing and getting anxious during the test:

• Relax; you are in control.  Take slow, deep breaths
• Don't think about the fear.  Pause; think about the next step and keep on task, step by step
• Use positive reinforcement for yourself.  Acknowledge that you have done, and are doing, your best
• Expect some anxiety.  It's a reminder that you want to do your best and can provide energy.  Just keep it manageable
• Realize that anxiety can be a "habit" and that it takes practice to use it as a tool to succeed

After the test, review how you did:

• List what worked, and hold onto these strategies.  It does not matter how small the items are.  They are building blocks to success
• List what did not work for improvement
• Celebrate that you are on the road to overcoming this obstacle
• Check out local centers and resources in your school for assistance!  If you are aware that you have a problem with test anxiety, be sure your teacher or instructor knows before any testing begins (and not the hour before!).  There may be other options to evaluate your knowledge or performance within the subject matter.

TIP OF THE WEEK - October 4, 2010

10 Money Tips for Students

1. Spend less than you earn. Don’t earn much? Then don’t spend much. If your spending and income are roughly even, you have two choices: earn more or spend less
2. Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after you’re out of school. Many students turn work-study jobs into launching pads for future careers.
3. Don’t get a credit card unless you absolutely need one. Don’t be a sucker. Those guys sitting behind the sign-up table are not there to help you. They’re there to make money.
4. Avoid non-academic debt. It might seem like a good idea to put that Xbox on a credit card, but it’s not. Focus on developing good money skills with cash. Worry about credit later.
5. Save and then splurge. If you decide you must have that Xbox, then save for it. Wait until you can pay cash.
6. Pay your bills on time. Basic advice, but it’s surprising how many people lose track of things. If you pay your bills as they arrive, you won’t have to worry about forgetting them.
7. Track your spending. Use a notebook, or use Quicken if you have it. Good records will prevent you from getting overdrawn at the bank or charging more than your credit limit. This habit also allows you to detect spending patterns.
8. Make a budget. It doesn’t have to be fancy. At the start of the month, estimate how much money you’ll receive and decide where needs to go. Remember: you don’t need to spend it all.
9. Save your receipts. Put them in a shoebox under your bed if you must, but hold onto them. You’ll need to be able to compare them with statements at the end of the month. And some you’ll need to keep for several years.
10. Guard your vital stats. Don’t give out your social security number or your credit card info except to known and trusted sources.

TIP OF THE WEEK – September 27, 2010

Admission and Scholarship Deadlines

When applying to college make sure you look at both the admission deadline and the scholarship priority deadline. For many colleges the deadlines are the same, but for some colleges the scholarship deadline is sooner than the admissions deadline, in some cases it is months sooner. As with all financial aid, merit scholarships are awarded on a first come basis. If you submit your application after the scholarship priority deadline, there may not be funds left to support the maximum scholarship you qualify for. A little internet searching on the college's website could save you from losing thousands of dollars in scholarship money, so sign on and do a little extra research today.

TIP OF THE WEEK – September 20, 2010

Close Reading – Tips for Success

Article By CollegeBoard

Much has been written for students on the topic of improving writing skills, but few articles discuss how to become a better reader. Of course, reading and writing go hand in hand; the better you comprehend a text, the more likely it is that you will successfully put your thoughts about it onto paper. So it's important to develop both strong reading and writing skills. With that in mind, check out the following suggestions on how to improve your reading comprehension:

Annotate
Be an active reader. Instead of passively reading a text, sit with a pen or a pencil in hand. Be ready to take notes in the margins of your book about important story elements, key factual information, and significant ideas in the text. If you don’t own the book, you can jot down your thoughts on Post-it Notes and stick them on the appropriate pages.

Be Aware of the Author’s Writing Style
Every author writes with a purpose. So he or she deliberately uses methods to successfully relate specific information to the audience. When you’re reading, look for patterns in the author’s writing. For example, you may notice a repetition of key words, phrases, or symbols or the use of a distinct type of sentence structure. Authors employ these writing strategies to help readers comprehend a central argument or theme, so be sure to explore how these techniques create meaning.

Do Research
Remember when you’re reading that you are never alone. The odds are that many people before you have read the assigned text, and more than likely, many people have researched it as well. Literary critics have written vast numbers of analytical and critical pieces on countless books. If you’re having trouble understanding a particular text, do some research and see what knowledgeable sources have to say about it. In addition to increasing your comprehension, you’ll also be showing initiative, something teachers always like to see. As a note of caution, though, always use legitimate and scholarly sources. SparkNotes and CliffsNotes don’t count.

Use a Dictionary
Invest in a small dictionary, and keep it with you when you’re reading. Many times, you can figure out the meaning of an unfamiliar word by using context clues, but at other times, you can’t. Rather than simply skipping over the words you don’t know, take the time to look them up. The results will be well worth the effort. Your comprehension will increase greatly, and you’ll build up your vocabulary at the same time.

Keep a List of Questions
When you’re reading and feeling confused, write down any questions you have. Sometimes as you read further, your questions will be answered. If not, don’t be afraid to ask for help from your teachers. That’s their job. Remember, teachers give the assignments, so they’ve read the texts and understand them. When you have specific questions, your teachers can provide answers that will help you better understand the material.
The philosopher Sir Francis Bacon said, “Knowledge is power.” Improving your reading comprehension is the key to gaining important knowledge and making the most of your education. So pick up a book … and a pen.

TIP OF THE WEEK-SEPTEMBER 13, 2010

When touring schools it is important to check the Safety on Campus…
One of the most important issues in choosing a college is often the most overlooked: the safety and security of your collegiate environment. Different universities handle safety differently, depending on their location and campus size. A college located in a major city might be more aggressive about safety than a school in the suburbs. (However, don’t assume that safety is a non-issue in suburban locations.)
Most colleges devote a significant amount of resources to issues of safety and security, and several safety measures have become standard on most campuses.
Call boxes
Most campuses have a number of call boxes prominently situated on campus that can immediately signal the campus police department. The phones tend to be located near buildings that receive a lot of late-night traffic – the library, student center, dorms. Once activated, police response time is usually very fast. Ask your school if they have a call box system in place.
Campus police
Whether as a fully commissioned police force or an auxiliary police force, campus police are usually a strong presence at universities. The department usually has a working relationship with the local city police, and most campus officers have full arresting powers.
Campus escorts
These student volunteers will meet you wherever you are on campus (library, class, another dorm) and actually accompany you back to your dorm. They are usually available throughout the evening. This is an excellent option if you’re planning to take an evening class or have evening study sessions.
ID checks
Student ID checks are becoming increasingly common, particularly on weekends when students have more visitors to campus. You may be required to show your ID when entering dorms and other campus buildings, as well as at sporting events. Many campuses also require all visitors to sign in when entering a campus building.
Self-defense and safety classes
These free classes are usually offered through the campus police department. Most safety classes occur during orientation and self-defense classes are often available throughout the course of the semester. Resident advisors should have information on the kinds of safety classes available on campus.
These are just some examples of security measures on college campuses. Before you commit to a college, you should investigate that school’s security measures, as well as recent crime statistics (available in an annual report that all colleges and universities are required to produce). Give campus security the same attention you give to academic programs and professors, and make sure that you’re in a comfortable and safe environment.

TIP OF THE WEEK - September 7, 2010

Time Management Tips

Does it seem like there's never enough time in the day to get everything done? Feel like you're always running late? Here are some tips for taking control of your time and organizing your life.

1. Make a "To Do" List Every Day.
Put things that are most important at the top and do them first. If it's easier, use a planner to track all of your tasks. And don't forget to reward yourself for your accomplishments.
2. Use Spare Minutes Wisely.
Get some reading done on the bus ride home from school for example, and you'll kill two birds with one stone.
3. It's Okay to Say "No."
If your boss asks you to work on a Thursday night and you have a final exam the next morning, realize that it's okay to say no. Keep your short- and long-term priorities in mind.
4. Find the Right Time.
You'll work more efficiently if you figure out when you do your best work. For example, if your brain handles math better in the afternoon, don't wait to do it until late at night.
5. Review Your Notes Every Day.
You'll reinforce what you've learned, so you need less time to study. You'll also be ready if your teacher calls on you or gives a pop quiz.
6. Get a Good Night's Sleep.
Running on empty makes the days seem longer and your tasks seem more difficult.
7. Communicate Your Schedule to Others.
If phone calls are proving to be a distraction, tell your friends that you take social calls from 7-8 p.m. It may sound silly, but it helps.
8. Become a Taskmaster.
Figure out how much free time you have each week. Give yourself a time budget and plan your activities accordingly.
9. Don't Waste Time Agonizing.
Have you ever wasted an entire evening by worrying about something that you're supposed to be doing? Was it worth it? Instead of agonizing and procrastinating, just do it.
10. Keep Things in Perspective.
Setting goals that are unrealistic sets you up for failure. While it's good to set high goals for
yourself, be sure not to overdo it. Set goals that are difficult yet reachable.


Consider these tips, but personalize your habits so that they suit you. If you set priorities that fit your lifestyle, you'll have a better chance of achieving your goals.

TIP OF THE WEEK - AUGUST 30, 2010

Did You Know?

Cash Gifts: Cash gifts, which are paid DIRECTLY TO THE COLLEGE for tuition and fees (from people other than the parents) should be avoided. These gifts will be treated as a student ‘resource’ and a dollar-for-dollar deduction in financial aid.
Student Income: The student’s income should be kept at approximately $2,500 during the college years. Depending on the school, certain income over $2,500 may be assessed more heavily. (please note: if presented with the opportunity, it always makes more sense to earn income then to not earn income)
Capital Gains: The family should consider selling stocks in non-college years that would otherwise generate capital gain distributions during college years.
Loan Proceeds: Seeing that loan proceeds are not assessed in the financial aid formulas, it is often better to borrow funds during college years rather than attempting to pay for college by striving to increase earnings, which will decrease financial aid eligibility.


Until next week…


Your Friends At The College Planning Network


PS. As always, if you have any questions on how you're going to pay the upcoming astronomical costs of college, please do not hesitate to contact your College Funding Advisor. They can walk you through several different payment options to help determine the right one for you.

TIP OF THE WEEK – August 23, 2010

Finding Out About You through your Email

Students interact with their colleges in many ways. It could be through a call to an admissions office, or to speak directly with a representative at an interview. But recently student emailing has been on the increase in all aspects of life, and emailing colleges is on the rise also. A college admissions counselor’s job is to help prospective students, but a poorly written email on the student’s part may hurt chances of getting into the school.

Writing an email to an Admissions Counselor to ask for advice, check the status of an application, or just to get a bit more information? Here's how to compose an email in a way that will not cause the counselor to hit the delete button, or worse, make the counselor reconsider an acceptance to the college. Make sure you type in complete sentences, do not use slang, and sound interesting. Here is an example:

"hi i am interested in ur school can u send me more info plz."
"Hello, I am interested in your school and would like to receive more information."

What Does Your Email Font Say About You?
As an interested student, you want to project a certain image in all of your interactions with college prospects - including your emails. A study conducted last fall by Wichita State University found that the choice of font can impact the impression you make on your email readers. The study tested several popular fonts for "appropriateness" in communication. Depending on your choice, you may come across as youthful, rebellious, unstable, less trustworthy or less professional. Not exactly what you intended.

Here's how the fonts stacked up, from most appropriate to least:

• Calibri - highly appropriate
• Corbel
• Candara
• Cambria
• Verdana
• Arial
• Times New Roman
• Constantia
• Georgia
• Century Gothic
• Comic Sans - moderately appropriate

The fonts that rounded out the list as "least appropriate" were Gigi, Rockwell Extra Bold and Impact. The lower a font ranked in appropriateness, the more likely a reader was to assume the writer was a lower level trainee and less mature. The takeaway from the study: your font choice may create an unprofessional first impression if you're not careful. Steer clear of playful, "novelty" fonts that may not truly represent your level of experience. While Calibri ranked highest in the Wichita survey, it's not available on everyone's computer. Fortunately, nearly everyone has several of the other high-scorers, including Verdana, Arial, and Times New Roman.

How do you decide which to use? On one hand, you want your font to say something about you. Generally, sans-serif fonts such as Arial convey a more "contemporary" feeling, while serif fonts such as Times New Roman feel more "classical." On the other hand, you have to consider your audience.

Email address appropriateness
What about email addresses? Colleges will eventually see these emails and so will employers (good for our clients in school already).

Examples of obscene emails seen on a daily basis:

XXbrookeXX@something.com
PartyBoy4everEsomething.com
Sarahloves 007@something.com
RoudolfRIDICULOUS@something.com
XOXOMaryDIVAXOXO@something.com

Even though a student may be a straight “A”, hard-working individual, many college administrators do not see that aspect when their first impression is formed through email. As one college administrator puts it “Though they do make me laugh, these email addresses indicate a student’s passion in life, and obviously it isn’t studying.”

TIP OF THE WEEK-AUGUST 16, 2010

How to Succeed Freshman Year
Article from the Wall Street Journal By Emma Slayton

It’s true what they say: Time flies when you’re reading big books, meeting people, listening to lectures, taking exams and learning to be an adult. Oh, and having fun.

You only get one chance to be a freshman in college, and you’re probably not going to do everything you set out to. In part, that’s because you’ll discover so many other things on campus that you never even imagined before. And it’s because over the course of freshman year, you’ll begin to discover things about yourself that you never knew.

That said, you don’t want to look back on the experience a year later, or 10 years later, and think of that important period as a complete waste of opportunity, time and tuition money. So with the benefit of hindsight, I offer you a few general tips will that help you make the best of your freshman year:

BE SOCIAL: The first few days and weeks of college are made for socializing. And you should do plenty of it. Because once the real work starts, you might not have as many opportunities. Those days are set up for you to take advantage of orientation activities, ice breakers, open houses, parties and mixers, so that you’re socially comfortable before you take on the bigger challenges of higher education. Because your friends will serve as your on-campus family, “you have to be more social than you’ve ever been in high school,” says freshman Jessy Bear, who suggests walking down your dorm hallway and poking your head into open rooms.

If you really force yourself to be social, you’re sure to find the people who fit best with you instead of clinging to that first friend and missing out on the many other friendships you could have made. “I was really unhappy until I switched out of my first group of friends,” says freshman Emma Fisher, who initially was wary of breaking away from the people whom she met first.

In those first few weeks, try changing your surroundings often, sitting down with people you don’t know or starting up a conversation with a stranger in one of your large lecture classes. “Don’t be scared to sit at any freshman’s table. They are just as nervous as you are,” says Emma. “I made friends at the library who I see a lot now.” Heck, I met one of my closest friends at college standing in a lunch line.

BRANCH OUT: Heading into college, I knew exactly what I was interested in and what I wanted to study. I wanted to take writing and history courses. I was proud that I had such a focused plan, and this year, I did exactly what I set out to do. In retrospect, it might have been better to branch out a bit.

Bennett Cross, a student in my dorm, did that, and I think he’s better off for it. Instead of just following his interests, he kept an open mind about what he wanted to study, which led him to courses in music, logic and religion. In the process, Bennett learned a lot about himself. “I found out that what I liked and what I’m good at are not always the same thing,” he says. Bennett has also been smart about choosing a broad cross-section of courses that help him get his graduation requirements out of the way early. As a result, he has more freedom than I would to change majors along the way.

GET HELP: In high school, I had to stay after school with a teacher for calculus tutoring. I dreaded it, and not just because I don’t like math. Let’s face it: There’s a certain stigma associated with having to get extra help outside of class. The last thing any high school student wants to see is a teacher’s note on a test that says, “See me.”

In college, it’s very different. There’s absolutely no stigma, and for freshmen getting used to work at the college level, that extra time with professors and their teaching assistants is nothing but a prudent use of your tuition money. “It’s like having a private tutor who knows all the answers to the homework,” says Brian Orser, a freshman who never hesitates to get some face time with a professor. “No one else takes advantage of them.”

Indeed, “office hours”-those times that college professors set aside to help students outside of class-are an underused resource, probably because of freshmen who come to campus with high-school preconceptions about staying after class. Those people don’t know what they’re missing. Especially during freshman year, you don’t want to put your grades at risk for the sake of pride. And it can be really tough to rescue your GPA from a bad first year.

In college this year, I’ve been to office hours for almost half my professors and I still haven’t gone enough. My simple advice: If you need help, go out and get it-before you get a note on your test. Professors are standing by.

KEEP LEARNING: Long after their classrooms and lecture halls close up for the evening, college campuses are alive with learning opportunities-cultural programs, art exhibitions, ethnic festivals, speeches by visiting dignitaries and informal coffeehouse chats with professors, many of which happen only at colleges.

There were many lectures, a capella performances and sporting events that I missed because I was too busy with schoolwork. Looking back, I probably should have taken more breaks to attend those events. When I finally made it to a poetry reading last semester, I met some writers on campus and engaged in an illuminating conversation with the poet. The experience of learning for the sake of it-without the pressure of exams and grades-was a real treat.

So close the books and give yourself a break once in a while. “If you get an email or see a flyer about a lecture or an event that is outside your academic focus, go to it,” says freshman Liana Engie. Consider it part of the educational experience. You won’t regret it.

TIP OF THE WEEK – AUGUST 9, 2010

Finding a College Major and Career Building Strategies

Success in college and a career is a process which includes taking the time to find out and build upon the important aspects in students’ interests and abilities. This will pay off in excelled opportunities later.
Teachers and employers need to know who you are, what you are capable of, and what successes you have had to date. This is only possible by knowing what your strengths are. Students should be taking courses, and looking for internships and opportunities that enhance their strengths. Also, taking the time to create visibility, presence, and image with your teachers and professors will help by:

• Building a solid resume through activities, internships and clubs that they endorse for the student and it will give you great work experience.
• Creating an opportunity for top-notch recommendations because the teacher/professor will really know who that student is and believe in their ability. 
• Getting opportunities for special work assignments that can be used to further a student’s interests in a particular area.

Lastly, by figuring out just what his/her strengths are a student can achieve their dreams.

TIP OF THE WEEK - AUGUST 2, 2010

Social Networking Sites
Colleges are now using social networking sites, such as "Facebook" to recruit students through posting pages about their school. At the same time however, many of these same colleges may be looking at the student’s social networking page (Facebook, MySpace, etc...) to get a better idea about the student as a candidate for their school. Keep this in mind when posting things (comments, pictures, etc...) on a Facebook/MySpace account.
"THE ADMISSIONS OFFICE FINDS FACEBOOK" - - Courtesy of Alison Damast of Business Week (With an eye on the demographics, schools are seeking applicants through social networking sites)
A few months ago, Steven Price logged onto his Facebook page one evening to do his usual check-in with family and friends before going to bed. He was surprised when he found a "friend" request from Scott Minto, the director of the admissions office at San Diego State University's Sports Management Program sitting in his in-box.
"I was blown away," said Price, 22, a recent college graduate who is applying to business schools this fall and is currently interning with the Minnesota Vikings. "I'd been in touch with other schools through e-mails and phone calls, but I'd never had any schools contact me through Facebook."
Minto is part of a small but growing number of graduate school and college admissions officers who are aggressively using Facebook to recruit students for their programs. Many have built their own Facebook fan pages, which they are using as a tool to display videos, pictures and news articles about their schools. Others are using the site as a marketing tool, purchasing advertisements and targeting them towards certain demographic of students, based on their age and location. By drawing students to Facebook, schools hope to keep in constant touch with potential students, as well as provide them with important updates on the school, without bombarding them with dozens of e-mails and mass mailings.
"College and graduate school admissions officers are on the cutting edge of this," said Nora Ganim Barnes, director for the Center for Marketing Research at the University of Massachusetts-Dartmouth, who recently conducted a study that found that 29% of university admissions departments surveyed used social networking sites such as Facebook and MySpace (NWS)--a level higher than fast-growing Inc. 500 corporate respondents. "If you're an undergraduate or graduate institution and you're looking to attract people 35 and under, then I think you have to go to Facebook because that's where your opportunity is," she said. This is the case for Minto, 27, who estimates that he spends several hours a day updating the page and communicating with the students who send him questions via the page. The school also spends some of its advertising dollars on other areas of Facebook, placing ads that are targeted to the student audience Minto is seeking: college graduates 24 to 34.

TIP OF THE WEEK - JULY 26, 2010

Keeping a Budget throughout College and for a lifetime is Smart….

Do you find it difficult to keep your spending under control? It isn't an uncommon problem, and for many people, spending money makes them feel good. But like most things, you need to practice moderation. The best way to do this is by creating a budget. A budget will help you itemize, track, and see where your money goes. While this is a good start, it won't cure your overspending habits. College students should take time to write down what they are spending their money on and how much money they are spending before calling home to ask for more. It may be that some of the expenses are unnecessary.
Like any other habit, there are underlying forces at work, and until you understand what factors are enabling the habit, it can be difficult to break. Overspending happens for a number of reasons, but some of the most common driving forces are:

• Easy access to cash.
• Easy access to credit.
• Misuse of credit cards.
• Spending to make you feel good.

Once you identify some of the factors that influence your spending behavior, you can then focus on changing those specific behaviors. This will go a long way in helping you break the habit of spending too much money or going into excessive debt.

TIP OF THE WEEK - JULY 19, 2010

Top 10 SAT and ACT Test-Taking Tips


1. Be Equipped
On the night before the test you should gather everything you'll need: the admission ticket, a valid form of photo identification, several #2 pencils, a calculator with fresh batteries (for the SAT only), a watch, and a high-energy snack.

2. Don't Cram
You've worked hard. The best thing to do the evening before the test is to get a good night's sleep. You've covered the content and you've perfected the skills. Now it's time to get in test mode -- calm, rested, confident, and ready.

3. Dress in Layers
The climate in test centers can vary from sauna-like to frigid. Be prepared for both extremes and everything in-between. You need to be comfortable to do your best.

4. Arrive Early
You may want to scope out your test location before test day to ensure that you know where you're going. Getting to the test should be the least of your concerns.

5. Don't Spend too Much Time on One Question
Each question is worth the same number of points. If a question is confusing or too time-consuming, don't lose your cool. Instead, move on to greener pastures. You can come back to hard questions if you have time at the end of a section.

6. Don't Look for Unscored Questions/Sections
The experimental section on the SAT is well-camouflaged. Sometimes the ACT contains experimental questions that are scattered throughout the sections. Do your best on every question--that way, you're covered.

7. Keep Track of Where You Are in a Section
On the SAT, obvious answer choices early in a set may be correct. Obvious choices near the end of a set are often booby traps.

8. Guess Aggressively
If you don't know an answer, don't leave the question blank or guess randomly. Eliminate the choices you know are wrong, then make an educated guess from the remaining options. Remember, if you can eliminate even one answer choice then it pays to guess on the SAT. On the ACT, students aren't penalized for guessing. Only the correct answers count toward their score, so it is better to guess than leave a blank.

9. Be Careful Filling in the Answer Grid
Make sure you're filling in answers next to the right numbers.

10. Relax
Your attitude and outlook is crucial to your test-day performance. Be confident.

TIP OF THE WEEK - JULY 12, 2010

SUMMERTIME PREPARATION CAN BE FUN!

Now that summer is in full swing, remember to stay motivated in your college planning activities before the school year starts up again. Here are some ways to stay on top of your college to do list and have some summertime fun. Remember anything you do that reflects service, leadership or being a part of a group can be added to your list of activities on you resume.

1. Do community service work - Pick up litter in a park, work in a shelter serving food, or contact someone to find out where they would need help that the whole family could get involved in.


2. Visit the elderly in homes; make cards for them and fresh cookies.


3. Visit Colleges – summer visits can be very enjoyable when added to a family trip. Make sure to contact the admissions department to see if they can meet with you. It will help the admissions representative put a face with your name when you decide to apply. Also, stop into the financial aid department to ask any questions you have about funding and scholarships.


4. If you are heading off to college this year or transferring schools, you may want to connect with your new roommate before the school year begins. If you live close enough- try to meet up.


You will be creating fond memories, keeping focused and also enjoying the summer!

TIP OF THE WEEK-JUNE 28, 2010

Here are a few interesting facts

Fact #1: College Distance from Home How far do students typically travel to enroll in college?
The annual American College Freshman Study has found that student distance from their permanent home varies as follows:

Distance from home - Percentage of college freshman
 0 - 50 miles 35.4%
51 - 100 miles 17.9%
101 - 500 miles 33.3%
500 + miles 13.4%

Fact #2:  Top paying Degrees
Whether you are in college or a prospective student, not all majors earn you the same salary. Of course, you should never choose a major just for the money. If you don’t enjoy the work, then all that money will never equal the dissatisfaction you have for your job.
Luckily, there are many majors in numerous fields of studies to choose from that will pay high starting salaries to recent graduates. According to the National Association of Colleges and Employers (NACE), here are the 10 top paying degrees and their starting salaries:

1. Chemical Engineering ($59,218)
2. Electrical Engineering ($55,333)
3. Mechanical Engineering ($54,057)
4. Computer Science ($53,051)
5. Civil Engineering ($48,998)
6. Economics ($47,782)
7. Management Information Systems ($47,407)
8. Finance ($46,442)
9. Accounting ($46,292)
10. Business Administration/Management ($43,256)