Business

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CuttingExpenses

Special to the NNPA from The Atlanta Voice

 

1. Use the public library to check out movies or books for free.
2. Consider dropping your land line phone at home. Your cell phone may be all you need and some come with free long-distance services.
3. Send free e-cards and save on postage.
4. Stop buying clothes that are “dry clean only.” Learn to iron.
5. Don’t renew subscriptions to publications you don’t have time to read.

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Graduation_Money

According to the College Board, the average cost of college tuition and fees in 2012 ranged from $8,655 a year for in-state students attending a public, four-year college, to $29,056 a year for students attending a private, nonprofit four-year institution. Yet, a September 2012 survey showed that a school’s cost was the student’s fifth most important consideration when deciding where to attend college. Students also indicated a need for support from a variety of funding sources; more than half of students surveyed borrow from the federal government or a private lender to cover their costs.

These statistics show that a school’s price tag is actually a very important factor when choosing a college.  Accordingly, when comparing college costs, one of a student’s first steps should be filling out the FAFSA (Free Application for Federal Financial Aid). Then, in late March and early April, students and their families begin receiving financial aid award letters from the colleges they’ve applied to. These letters provide the details related to the estimated cost to attend the school, the expected family contribution, and your financial aid award package that includes grants, scholarships, work-study, need-based and non-need-based loans.

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College

While college can be one of the best experiences of your life, it can also be one of the most expensive. The average cost per year for a 4-year degree at a state-sponsored school currently runs $22,261 for in-state students and $35,321 for out-of-state students, according to a 2012 College Board report. With a few tips and strategies, you can ease your financial burden by applying for scholarships.

The fact is, the more money you can get in scholarships, the less you’ll need to borrow. Scholarships are awarded by universities, nonprofit organizations, corporations and private individuals. There are many different kinds of scholarships – some are need-based while others focus on what a student’s interests are – so start searching early and be persistent.

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Housing

Special to the NNPA from The Final Call

Hispanics, Asians and African-Americans who are looking to purchase a home still face discrimination in subtle forms, according to a new national study.

According to the study, commissioned by the federal Department of Housing and Urban Development (HUD), minority customers were shown fewer available homes than Whites with similar qualifications.

Minorities were also asked more questions about their finances and given fewer offers of help financing a loan.

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College

While college can be one of the best experiences of your life, it can also be one of the most expensive. The average cost per year for a 4-year degree at a state-sponsored school currently runs $22,261 for in-state students and $35,321 for out-of-state students, according to a 2012 College Board report. With a few tips and strategies, you can ease your financial burden by applying for scholarships.

The fact is, the more money you can get in scholarships, the less you’ll need to borrow. Scholarships are awarded by universities, nonprofit organizations, corporations and private individuals. There are many different kinds of scholarships – some are need-based while others focus on what a student’s interests are – so start searching early and be persistent. 

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Governor_Perry_signs_sweeping_education_billEnding days of speculation, on Monday, Gov. Rick Perry signed education reform legislation that will roll back the number of high-stakes tests and seek to provide greater opportunities for students who are not college bound.

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Black_man_and_baby_Fathers_DayWe hear the statistics all too often. Currently, “only 28 percent of Black youth have their fathers in the home. In 1920, it was 90 percent and in 1960 it was 80 percent.”

FALLBROOK CHURCH - CHRISTMAS IN JULY

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