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Financial « Zen5.me Zen5.meWell-nighZen5.me   RSS   Archive for the ‘Financial’ Category Freshman year for free… pay for only 3 years of higher 11 JulHigheris expensive.  It can be a lot of work too and for many, they get stuck taking classes that just don’t interest them to meet their unstipulated education requirements.  IS there a way that you could either  only need 3 years of those upper higher bills go four years but with 20% less work each semester so you have time for a job, higher theater, sports, or other interests. stave many of those gen ed classes you are not interested in The wordplay is yes!  Just follow this easy plan.  Depending on the type of student and opportunities available, you may need to pick and segregate which options work weightier for you. My first recommendation is that you, as a student, know what school you want and what major your looking to do.  This helps target the plan and makes it increasingly successful. Secondly, squint at the school or schools on your list and see what credit is given for: CLEP test, AP tests, and any other wide credit options Next, squint at what courses are required at your school and see if the classes you plan to work on will be worldly-wise to receive credit and at what score.  If you are considering dual enrollment, squint to see if the classes you are taking will transfer. Once you have all that information (mostly found on admissions page), you can squint at your program of study and see how you can replace required classes with test or dual enrollment. Lets do an example:  In  the Colleges of Engineering at NCSU, they  have a worldwide first year for all COE majors. R. Wants computer science which is in the higher of engineering.  He will need all those courses plus unstipulated education classes, some of which are specifically for his major, like Economics has to be taken as your social science. To get a throne start, he takes the Calculus CLEP test.  Passing this gives him 4 credits and allows him to sign up for dual enrollment and take Calc 2 at the polity college.  He could have taken Calc AB and BC and then took the exam but he felt dividing it up into 2 variegated test situations was better, rather remember 2 full classes for one test.  He moreover needed As to get into the computer science major.  Additionally, he took AP computer science (not offered at his school but found it online) the year surpassing and scored 4.  This will indulge him to skip the first CSC matriculation at NCSU. Next, he notices NCSU required Calc based Physics 1, 2, Chemistry 1, and flipside science undertow vastitude that.  So, although he chose to just take Honors Earth Science, he knew unbearable to take the AP Environmental Science test, scored a 4 and gets his “extra science ” matriculation out of the way.  The AP Physics matriculation offered in his school was not Calculus based, so he took it as an overview and then self-studied the Calc based Mechanics class, scoring a 4.  This gives him credit for Calc Physics  1 and its Lab.    He tried to do the AP Chem test but his score was not upper enough, he needs an A (5) in order to meet requirements of the computer science major. Now R. hates non – STEM classes, so it is in his weightier interest to get those washed-up quickly and painlessly.  Therefore, he chose to get some things of his social science washed-up with CLEP testing.  First he chose sociology.  This just requires you to memorize vocabulary and then be worldly-wise to relate those words to an example.  It was a quick study of two weeks and his test was passed. The other social science matriculation required by engineering is Microeconomics.  R. Has been self studying for that test, although it has s harder since it isn’t just memorizing, you have to have a sense of the relationships between variegated parts of the supply and demand concepts.  Hopefully, the plan for s that R. will CLEP out of microeconomics as well.  You don’t get a grade, it is just pass /fail.  And a C is passing.  He gets to stave all the homework and only has one test to focus on and if he doesn’t pass, he can moreover retake it then in two months or he will be well prepared for the very class. Finally, R. Has time in his upper school schedule to take some spare classes.  If they were 3 credit class, it would be easier to schedule and he might make two but with 4 credit classes, it doesn’t leave you much else, so he usually take one 4 credit matriculation plus two upper school classes and if time, self studies other things.  For the coming year R. Will take Calc 3 and Physics 2.Thespinghe passes all, this is how it will squint when he applies to and attends NCSU. NCSU first year coursess  Calc 1. MET English 1 Enginnering / computers 1 Gen ed matriculation – Sociology- MET Chemistry 1 calc 2 – MET Physic 1 with lab – MET  Csc 116 – first computer matriculation –  MET Microeconomics –  METVitalSxience elective  – MET plus he will have Physics 2 and Calc 3 which are softmore classes met. Total Credits: Calc 1,2,3 — 12 credits Physics 1, 2 — 8 credits APES – vital science- 4 APCS – first csc class- 3 sociology – 3 Microeconomics – 3 ————————- Total: 33 credits This will indulge him either to graduate in three years or take 12 credits instead of 15-16 per semester. A second example, C. had AP credit for English Composition, he didn’t want to do all the uneaten work required to take an AP class, so he self studied and got a 4.  He moreover took AP Computer Science and got a 3. He took APES and got a 4.  But he only has 3 AP tests.  He did take a lot of dual enrollment classes, he was going for a stratum in simlation and game diamond and took two iintroductory classes in this but they did not transfer.  He did take both Calc 1 and Business Calculus.  He took Macroeconomics and two programming classes one in C ++ and the other in Java.  He had 29 credits to transfer.  He went in as a freshman but took 16 credits his first semester and tha numbers him to a second semester sophomore.  He was worldly-wise to graduate in 3 year and save his family an unshortened tear of tuition, room, and board.  If C. Had known well-nigh CLEP tests, he would have tried coming in with increasingly of his gen ed courses met. Stdents can manage plane increasingly than one year but I think one year is good, it gives them options, doesn’t put them too far superiority of their peers, is doable during the four years that f upper school without overloading the child to try and do a year of upper school and higher at the same time unless they are in an early higher program that has them all in higher classes full time by senior year. Remember, if you don’t get a merit scholarship, taking a semester or a year from payments can offer similar financial advantages.       No Comments Posted in Education, Financial   Personal Finance 101 19 Feb Hello, I wanted to start a new topic on my blog addressing both personal finance and rental investments.  I love personal finance.  I wish I could volunteer  to help people upkeep and organize their finances. Personally We (hbbynand 8) did not come from money and when we graduated college, we both had student loans and hubby got a job that didn’t pay well and I went to graduate school without stuff in flipside low paying job.  Hubby made in the upper $20k and I made in the low $20k and once I was in school, we only had his $20k to live on and had a victual on the way. I learned to live frugally and plane now that we make more, I still live frugally. So how much does one need to live comfortably? What are the essentials you need to live on?  While some people msyndefine the list differently, I will work with the goal of living on $6100 month, this will be our NET pay som we have once had ntaxes taken out, paid for our medical insurance, put money in a flex accoutnro imbricate the rest of medical, and paid for our 401k.  So overall, we are assuming, a total yearly salary of $75,000.  The zone you live in dictates how much things financing as well as the size and needs of your family. Here s a unstipulated dea of my upkeep for $6100 per month: (*This is hypothetical to some extent and moreover uses some,of my own personal expenses either now or in the past). Housing financing $2300. (I chose  a 15 year loan to pay off early but with the forfeit stuff 1/3 my total monthly pay, it makes things tight and a 30 year would have given me increasingly zoetic room).  * Note in CA, this covers a 1 bedroom suite but in NC, you can have a 3000 SF 5 BR house. Utilites will include heat, gas, trash, sewer, recycling, phone, lamina phone for six people, internet, uncontrived tv : $800  *would be less with smaller houses, less people in house… Car costs: includes car payments, insurance, repairs, gasoline for three cars : $500 * For me, this is low, we have three cars but all are paid off, so I pay for gas insurance, repairs, and save some for my next new car as I don’t like having car payments.  Others, however might have all these expenses and two car payments. Life Insurance (outside of work policy), :$ 200 * For two people, important while you have kids Saving for higher :$200 * with 4 kids that is a lot f higher money, some people don’t save and just leave the thing up to the kid but, it is important to us, so we are paying and they are going   credit vellum debt :$61 * This may be a lot higher for others but I don’t alimony balances, interest is too high, this wastefulness is at 0%. eating out: $250  * see notes unelevated Groceries: $1500 * depends on number and of people too Purchases $100 * we all buy stuff, plane if it is just stamps or makeup savings (future problems fund)  : $100  * sh be in every upkeep vacatation savings : $50 * unchangingly save to requite yourself a break, you deserve it. Misc :$64  * what s left?   *Things to notes, many other typical expenses are once stuff taking directly from my trammels surpassing I get my $6100, so I am not paying for medical costs, 401k costs, and plane prescriptions many eye glasses I have prepaid for with a flex spending account. This upkeep overall makes me uncomfortable, I have very little buffer and am living month to month without towers a savings.  I did this for a long time.  So… what would you suggest waffly ?  The money is stereotype and I don’t have to pay uneaten medical and I am saving for my 410k.   I would tell myself to reduce eating out to once per month and only order water for drinks (never got sodas or beers when was low n money mwhen wemwneout to eat), moreover try sharing a plate, they requite big portions, one dish is  often unbearable for two (can help you lose a few pounds too) and never get dessert. i would moreover squint at what grocery store I shop at, some are increasingly pricey, switching mstores ormbrands can save you a ton.  Look at what you buy and the forfeit and see if you can find increasingly affordable dinners for two days a week to cut lanugo the grocery bill.  Buy big tons of things and let kids make there own snack size tons rather than ownership the snack size bags, thing like that can save a lot of money.   Refnance to a 30 year loan if your bills are tight, having uneaten money each month is worth it.  If you get a tumor in salary later, go when to the 15, planning for a debt self-ruling retirement is great. Continue and unchangingly have the emergency savings fund and don’t use it for other stuff, when your AC breaks or you suddenly need a water heater, you will have the money and won’t be in a panic. Plus it feels good seeing that add up, knowing you can save.   Feel self-ruling to share your upkeep or for increasingly security, email me at Lynne@zen5.me and I can requite you feedback free.  Learning how to get superiority financially is easier than you think.  It takes some desire and willpower but can be done. i have lots of other tips,on how to get uneaten mazuma too… … there is mystery shopping f you have time, pay outs are small but they add up and if you have time, why not? …; unshut finance at banks, they will often requite you self-ruling money …. get a side job…. but be your own boss, do you wipe well?  People unchangingly need people who wipe well with sustentation to detail, it can be really easy to pick up just me or two side,clients for uneaten money.  Have a skill?  People unchangingly need people who are good at skills that work hard…Make a webpage or squatter typesetting page and get second job going, just get some insurance. Once you save enough, getting involved in rental properties can be very lucrative, tune in for increasingly on that later.                 No Comments Posted in Financial   Categories Border Collies Confessions from worldwide cadre math teachers Education Financial Medical Parenting Personal Uncategorized Recent Posts How to get wonted to NCSUHigherEngineering What if… we did math right? Oral Conscious sedation dentistry … what is it really like? Quality over Quantity: A New idea for Math Education Freshman year for free… pay for only 3 years of higher PagesWell-nighZen5.me Blogroll AllWell-nighSpelling Curriculum http://solidk9training.com/about/ Mathematics Curriculum solid k9 training solid k9 training Solid k9 training Twitter YouTube Meta Log in Entries RSS Comments RSS WordPress.org   ChocoTheme by .css{mayo} | powered by WordPress Entries (RSS) and Comments (RSS) Press f for fullscreen.