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Personal Finance Books For College Students

Harvey Said:

Should I apply for this loan?

We Answered:

don't be so quick to borrow that loan!

your best bet is to sit down and talk with a financial aid counselor at your school. you may have student loans still available to you without having to borrow a private loan. if you no longer have eligibility, they will help you make a smart borrowing decision! make an appointment as soon as you can!

Kimberly Said:

Columbia Chicago finance help?

We Answered:

You may also want to check out http://y101.info/202855/live-sound

Leon Said:

Dave Ramsey or Suze Orman? Need help getting out of DEBT!?

We Answered:

There aren't that many drastic differences between the two philosophies. Use the plan that works for you. The important things are to increase income, reduce expenses, set up an emergency fund, shop around for value instead of price, invest, pay off debt with more than minimums, and set up a budget. You can get debt free through any of the programs but it's a matter of DOING rather than wanting to do. You've got to make a commitment and take action. You have to start today. Your library is full of free reading materials, audio CDs and other tools. The first step with either plan is to review and set your goals so that's something you can do today.

Mae Said:

Personal Finance for a 20 year old?

We Answered:

Once you start earning an income, you should invest in stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks, as individual stocks are too risky. For most folks this means buying mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low cost funds. If you are like most people you will invest part of your money aggressively in stock funds, and part conservatively in money market funds and bond funds. Vanguard.com has an on-line questionnaire which will give you an idea how aggressive you want to be.

If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea.

I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion

Buying a house instead of renting will save you a lot of money in the long run. You don't have to pay rent and you build equity in your house instead. Buying rental property can also be a good investment. However, being a landlord can be hard work, and many people are not good at it. If you don't know how to handle deadbeat renters, you can have trouble.

If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.

Believing advice you get on Yahoo answers can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.

Sources:

http://www.iwillteachyoutoberich.com/blo…
http://www.vanguard.com/VGApp/hnw/planni…
http://www.dallasnews.com/sharedcontent/…
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetalloca…
https://flagship.vanguard.com/VGApp/hnw/…

Gertrude Said:

PLEASE proof read my college essay, 10 points?

We Answered:

You have a really great essay there.

One suggestion I have is you really should avoid contractions like I've and can't, write them out instead, it makes it more formal.

Another suggestion is in your quote from Moore, some teachers will frown upon the use of profanity even as a quote. In the spot where he says "what the hell they're" write it like "what...they're." This is how you symbolize there are other words he said, but will alleviate you from having to put profanity into your paper.

Where you say "Elementary, through High School" you should leave the comma out from behind Elementary.


These two are probably typos, but I wanted to mention them just in case:

"Without basic education in Math, one would be not be able to use basic" - be not be, remove the first be

"English and Mathematics are the foundation of life" - foundation should be foundations

Other than that, I think it's perfectly fine. A few others may have additional suggestions, but that is what I see. Overall though, I think you have developed a really good essay.

BTW, thanks for taking my advice from before, seems like it turned out really well. Good luck.

Johnnie Said:

Is This Even LEGAL!?

We Answered:

I don't know how the bookstore can transfer fund in and out to your account unless you gave the authority to do so.

To manage your account better, ask your bank to refer to you before passing any transaction on your card.
Or you can apply for on line banking and you can access your account anytime from your computer.

Send a letter to your bookstore copying your bank highlighting all the wrong transaction and asking them to reverse the same.

Also, ask them to reply back in writing when the reversal is done

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