January 11, 2013, Ho Chi Minh City
Photo: @USAIDVietnam
Posted by USAID Vietnam on 2013-01-14 14:32:35
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Looking For a Rewards Program That Offers Free Money for College Students?
With the rising cost of books, tuition and housing, it’s no wonder that college students are looking for ways to cash in on anything that can lighten their financial load. It isn’t easy trying to balance an exciting social life, education and your finances at any age – not to mention in your teens and twenties. Luckily, there are companies out there who understand the importance of academic success and offer great incentives like free money for college students. And the rewards don’t stop there. Here are some other things that companies are offering to help ease the burden:
Free stuff for college students, free stuff for teachers, free money for completing offers, free cash-back shopping offers and the certainty that through top online rewards programs, you will get paid!
All it takes on the part of students is a little time and effort to fill out a few forms and complete offers, read paid emails, take surveys, etc. In exchange, you’ll find yourself receiving great rewards like free computers, televisions, free gift cards to your favorite stores and restaurants, free gas cards and much more.
In addition, rewards and incentive programs help make it easier on you when you do have to spend money by offering lots of cash back rewards on items you’d normally purchase. Here are just a few of reward companies’ shopping categories:
Clothing, art and collectibles, books and magazines (you can find textbooks too!), DVDs and videos, music, travel items, sports and recreation purchases, and a whole lot more…
Safely Save for Your Child’s University Studies Using An Education IRA!
This investment retirement account (IRA) is useful to you as an investor to understand because it may be a good way for you to save for your kid’s education AND save on taxes. These plans are now called Coverdell Education Savings Accounts in honor of the late U.S. Sen. Paul Coverdell. Individuals can make annual contributions of up to $2,000 per child into an account that’s exclusively for helping to pay higher education costs. The money contributed to a Coverdell account doesn’t count against the $3,000 ($3,500 if 50 and older) annual total individuals may contribute to their combined personal individual IRAs.
The earnings and withdrawals from a Coverdell account are tax-free, but you can’t deduct the contributions from your income tax because the account is for the benefit of the child, not the contributor. This is great for parents who are good savers and investors who want to make an annual tax-saving contribution that they can invest in the stock market toward the education of a studious and responsible child. In addition, if your child received a Coverdell ESA distribution, you now can also claim Hope Scholarship or Lifetime Learning credits. Just make sure you don’t use Coverdell money to pay for the same expenses you use to claim an education credit.
The beneficiary (your child) of the education IRA must withdraw the funds by age 30 if they don’t go to college and pay taxes and penalties on it. However, the account can be transferred to a sibling or the beneficiary’s child if they don’t pursue a higher academic degree or use it all.
Once you have the account open you can use the stock market to help finance your child’s education selling the stock at a high price after you have bought it at a low price using techniques such as I teach.
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Benefits of Taking Online University Courses
The advent of the internet has given students many more opportunities than in the past. The people who feel they couldn’t receive an education in a normal classroom now have the chance to get a degree or diploma via an online university. Some people are attached to traditional universities, but nevertheless, there are several benefits of online universities.
1. Unlimited access is provided by online universities. Location does not matter at all for online universities. Regardless of whether you are feeling unwell, paying a visit to a relative who is ailing, or you are away from your local university, you can nevertheless go to an online school. There is no restriction for anyone from attending and this is the advantage of an online university. If you have an internet connection and a computer, you can attend a university online.
2. You can save more money this way. A great way to save money is by utilizing the advantages of online universities. Other than your education fee there is nothing else to be paid. This campus has no library, no recreation room, no janitors! Why? Because it is all online. Enrolling in an online university will not incur any additional fees as you do not have to pay for extra services. Universities online only offer the necessities to students so it permits students to save a great amount of money every year.
3. Scheduling presents no difficulty. Online universities also have the benefit of being flexible. Say that you have a doctor appointment during the 10:00 a.m. class online, you are able to view the recorded lesson via webcast whenever you get home. You can participate in online group chat sessions at late a night, after you finish work and see the messages your classmates have posted several hours earlier. Online university programs do not have rigid schedules. You can have the craziest family and work schedule imaginable, and it won’t matter. You can study and take classes on your own time at your own pace. You can have your meetings when it is convenient for you. If you go to school online, you will always be able to reconcile your school schedule and your life schedule.
4. There is access to a better quality of professors. Qualified professors are often enticed to teach at online universities. There is no need to travel to the university each day and so more intelligent and experienced professors are available for online teaching. Students at online universities get the chance to be taught by some of the nation’s most elite professors since the location and scheduling is so convenient for everyone. Every year online universities are becoming more popular.Because they provide greater access to the average student as well as the experienced professor, universities online fill in the funding and location gaps that simply cannot be bridged by the traditional education system.
College Scholarships – The Benefits of Free Scholarship Searches
College scholarships are essentially free money to pay for college. Scholarships do not have to be paid back and many do not have any criteria you have to fulfill in order to get them except applying for them and fulfilling the application criteria. However, each year many scholarships do not get awarded because students or potential students do not apply for them. If someone were passing out free money, would you pass it up?
One of the most common reasons that college scholarships are not applied for is that there is a common misconception that college scholarships are difficult to find and the college scholarship search is a tedious process.
This was true at one point in time when you had to search through volumes of books containing information on scholarships and cross reference them with various criteria in order to choose just the right scholarships to apply for. With the advent of personal computer and the internet and all of its functionality, the search for the right college scholarship is now so easy, it really is as simple as filling out some information online.
Free scholarship searches are available online. All the student or potential student has to do is join one or several free scholarship programs by filling out an application online with all the relevant data concerning who you are, what you participate in and what your interests are. By signing up for any free scholarship search you are literally giving all of the necessary information in order to have appropriate scholarships found for you, free.
Honestly, if you pay for a scholarship search, you are being ripped-off since this is a service provided free of charge by various online scholarship search services. The database of scholarships is no different for a paid service than it is for a free service.
The benefit of participating in a free scholarship service is that all of the work is done for you. Your information is fed into a database and scholarships are chosen for you based on the information you provide. Potential scholarships are then sent to your email address and you simply have to apply for those you want to apply for.
By participating in a free scholarship search, you can potentially generate thousands of free money for college in the form of scholarships. So don’t pass up this opportunity. In the long run free scholarship money could save you thousands in student loan costs.