Finance Globe

U.S. financial and economic topics from several finance writers.

The Student's Guide to Job Hunting - Your Appearance

When looking for your first job, it’s important to project an image that shows you are responsible, mature, and hard-working. Appearance does matter. It's just a fact that people do judge you by how you take care of yourself.Look at it from the prospective employer's view: A person who goes job hunting while looking like they just crawled out of bed isn't likely to put in much more effort once they've been hired. Your family and...
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Online Degree Programs

The main benefit to an online degree program is convenience, and these programs can be found at both community colleges and universities, and even technical schools. You don't have to move to another state, you don't have to look for a parking space and haul your books to a classroom, and you really don't even have to get dressed before you attend class if you don't feel like it. Online study offers the flexibility of attending...
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Diploma Mills

Diploma Mill - An institution of higher education operating without supervision of a state or professional agency and granting diplomas which are either fraudulent or because of the lack of proper standards worthless. - Webster's Third New International DictionaryWhen doing your research to find a legitimate college that offers a degree online, you may have come across ads or websites for “schools” that claim you can get a college degree for several hundred dollars with little...
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University Now or Community College First?

Should you attend university right away, or start your course studies at a community college and then transfer?If saving money is a concern, then beginning your secondary education at a community college will probably save big and reduce the need for student loans and other funding. Here's a look at considerations for both. UniversityAttending a four-year university is taking the traditional route, and it's an experience that many college graduates will never forget. You'll meet plenty...
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The Student's Guide to Recognizing Scholarship Scams

As students and their families search for ways to pay for the ever-increasing cost of college, they'll find that there are plenty of legitimate sources of funding to help them pay for education costs. And there are legitimate companies that can help with some of the legwork in finding those funding sources. Unfortunately, the Federal Trade Commission reports that many of these families are falling prey to unscrupulous companies that guarantee or promise scholarships, grants, or...
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The Student's Guide to Saving Money

Budget carefully and stay within your limit. Yes, you need a budget. A good budget is essential to good money management at every stage of life, no matter how much or how little you earn. Having a budget means that you are in control of your spending - a must if you want to be sure you can pay your bills every month and still have money for some of the fun stuff. A good budget...
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The Student's Guide to Banking

Avoid overdraft fees and Non-Sufficient Funds (NSF) charges.Carefully tracking your balance is essential to good checking account management. One mathematical error or simply forgetting to document all check and debit transactions can lead to costly problems. A bad check or an automatic payment that you forgot you signed up for can easily cost you several times more than the typical $30 overdraft or Non-Sufficient Funds (NSF) charge. Many merchants or service providers will try to run...
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The Student's Guide to Bill Payment

Have a bill payment system, avoid late fees.If you're away from home for the first time, you've just been handed a long list of big responsibilities - and paying the bills is likely to be on that list.This may seem like common sense, but it's important to pay your bills on time. Nearly every one has forgotten to pay a bill at one time or another, me included, until we figured out a system to help...
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The Student's Guide to Banking - Types of Accounts

Banks and credit unions offer a variety of FDIC or NCUA-insured accounts - checking, savings, money market deposit accounts, and Certificates of Deposit (CDs).Choosing the types of accounts that work for you should be fairly easy; it mostly depends on how much money you have and how long it will be before you need the money.Checking AccountsYour checking account is for very short term money needs. A checking account is designed to hold your cash until...
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The Student's Guide to Choosing a Financial Institution

Choosing a Financial InstitutionIf you need to open a checking and savings account, and possibly even get a credit card, it's a good idea to do some comparison shopping before you open your accounts.Aside from offering the services you need, convenience and cost should be your two determining factors in choosing a financial institution. A branch location near school, work, or home can save you time, but it may be worth a short walk or drive...
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