What to Do in College to Get the Most Out of Your College Education

college examWith college tuition rates on the rise, it comes as no surprise that many people are concerned about the value of a university degree and education. One can easily end up finishing a four-year degree with tens of thousands of dollars of debt in student loans.

Even if you have some of your tuition paid for by college scholarships, the costs of housing, food, and textbooks can be astronomical. These rising costs have led some to believe that a degree might not be worth it.

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ING Direct Review – High Interest Online Checking & Savings Accounts

ING logoAfter the failures of numerous financial institutions and the ensuing aftermath and loss of confidence in traditional companies, many individuals and families have sought out – and found – new, reliable banks. Direct online banks are growing in popularity because they provide traditional banking services at lower prices.

ING Direct, the largest FDIC-insured direct bank in the United States, offers a vast array of financial products. Your options with ING Direct include: checking and savings accounts, certificates of deposit, home loans, investments, retirement services, and business services.

All of these services are available online, by phone, and through the mail. Direct banks have lower operating costs than traditional brick-and-mortar institutions, and they’re often able to pass these savings along to their customers.

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Who You Gonna Call: 6 Phone Calls to Lower Your Monthly Bills & Expenses

man phone lower billsI don’t like calling companies that supply my home services. Nor do I like pressing ten buttons just to get to the right machine and ten more to get to the right person. I don’t like getting put on hold, and I certainly don’t like being treated rudely by strangers when I’m the customer.

However, I do like saving money and lowering my bills. And when I can make a significant cut, it’s worth the irritating, time-consuming pain of dealing with phone systems and disgruntled service representatives.

Use this six-part phone call checklist to make sure you’re not paying too much on your payments every month.

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Aloe Vera Gel & Juice Benefits

This article is part of the Money Crashers Natural Medicine Cabinet Series, outlining 20 of the top natural home remedies and treatment.

aloe vera plantSome of you probably have an aloe vera plant or two hanging around your house. Aloe vera is one of the most common houseplants in the world.

But the spiky little plant is a powerhouse when it comes to healing. In fact, many experts consider aloe vera to be one of the most beneficial plants on earth.

This new insight makes you look at that pointy plant in a new way, right? I know I sure did once I learned about the many health benefits of aloe vera.

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Natural Medicine Cabinet Series: Top 20 Natural Home Remedies, Healers & Treatment

natural home remediesI don’t like going to the doctor. I’m self-employed and pay for my own health insurance, which means the cost of any visit comes right out of my pocket. So unless it’s serious, I simply don’t go. Needless to say, it’s been years since I last set foot in a doctor’s office.

Some of you may be in the same boat as I am. Many health insurance plans no long cover office visits, and this means that the five minutes your doctor spends looking you over can cost you $75 or more. And that doesn’t include what you’re going to shell out for prescription drugs.

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Incandescent vs Compact Fluorescent Light Bulbs (CFL) – Energy Savings Worth the Cost?

cfl light bulbYou might know them as “those spiral light blubs,” or “the eco-friendly light bulbs.” They’re compact fluorescent light bulbs, or CFLs, and while they’ve had a reputation for lasting longer and using less energy for a couple of decades now, the government has recently started regulating their efficiency. With these new regulations and increasing efforts to save energy at home, lower utility bills, and find greener energy solutions, demand for CFLs is rapidly increasing.

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Mint.com Review – Online Personal Finance Budgeting Software

mint logoI’m lazy, and I’m cheap. There, I said it. This means that I don’t have paid money management software like Quicken or You Need a Budget to track my finances. Instead, I learned how to make a budget on spreadsheets and in notebooks, and used them for years.

So when I first stumbled upon Mint.com, the free online personal finance budgeting application, I knew that I found something that would be very beneficial for me and my family.

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12 Cost Cutting Ideas for Your Small Business to Save Money & Reduce Expenses

cut costs scissorsAs a small business owner, you’re always looking to bring in more business and increase profits.

However, another way to boost profits is by cutting expenses. Even if you’re having a good quarter full of brisk sales, out-of-control costs will quickly eat up your profits.

Avoid the mistakes that other businesses are making. Keep close track of your expenses (using a small business accounting tool like Ouright) and cut them every chance you get. Your competitors might overlook some of these expenses, but you won’t.

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What Is Amazon Prime Review – Free Shipping Trial & Benefits

amazon shipping boxLoyalty cards, points, and miles all exist for a single purpose: to get you as a customer to return over and over again. From coffee shops to bookstores, grocery stores to pharmacies, it seems like everyone is trying to get in on the loyalty program trend. Wallets and key chains bulge with little loyalty cards, usually obtained simply by making a purchase and providing a little bit of personal information.

Traditional loyalty programs work by giving customers rewards based on the purchases they make. Amazon, however,  has been able to successfully market a program called Amazon Prime, where customers actually pay a fee to enjoy the benefits.

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Price/Earnings to Growth (PEG Ratio) Definition Explained – Calculating Growth Stock Valuation

growth stock handStocks go up in price for a number of reasons: a favorable news report, an entire sector rising, the appearance of undervaluation based on historical fundamental data, or trading by technical analysts based on bullish price and volume patterns.

For a stock to sustain a steep price increase, it should be expected to experience high revenue and earnings growth. But is expected growth alone enough to decide if a company represents a good valuation? Of course not. One also needs to look at the stock price to determine if it represents a strong valuation relative to the company’s expected growth.

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