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Is Dual Enrollment In High School A Key to Lowering College Costs?

Is dual enrollment key in lowering college costs?

With the escalating cost of college as well as the heavy debt load many students graduate with, parents welcome any alternative that will help reduce the cost

As more and more people come to this realization, there are more and more techniques to help students graduate college more quickly with a minimal amount of debt.

One of those new strategies is taking college level classes while one is still in high school.

For years, high school students have been able to take AP (advanced placement) courses, and if they pass a test, they can often opt out of that class in college.  Some students could easily shave a year off their college education if they were very motivated and not daunted by the difficult level of AP classes.

However, now, some high schools are taking this a step farther.

High Schools That Encourage Dual High School and College Enrollment

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Frugal And Free Things To Do And See In New York City

Free and frugal things to do in NYC

New York City.  The city so nice they named it twice!

Before I show you frugal, cheap, and free things to do and see in New York City let’s look at the first paragraph from Wikipedia:

New York City (officially The City of New York) is the largest city in the United States, with its metropolitan area ranking among the largest urban areas in the world. Founded as a commercial trading post by the Dutch in 1625, it served as the capital of the United States from 1785 until 1790, and has been the nation’s largest city since 1790. Located on one of the world’s finest natural harbors, New York is one of the world’s major centers of commerce and finance. New York also exerts global influence in media, education, entertainment, arts, fashion and advertising.  The city is also a major center for international affairs, hosting the headquarters of the United Nations.

Pretty cool, huh?

What is NYC?

First off I think we need to put some borders on NYC.

Most people think of NYC as Manhattan but you’d be doing a disservice to yourself if you only looked to Manhattan for things to do.

NYC is made up of five boroughs – Manhattan, Queens, Brooklyn, the Bronx, and Staten Island.  All but the Bronx are islands.  I tried to spread the love around the entire city as much as I could but don’t be offended if I don’t give every borough equal weight.

So here are Frugal And Free Things To Do And See In New York City (in no particular order):

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These Big Financial Wins Will Put a Lot of Money in Your Pocket!

these big financial wins put money in your pocket

A look around the personal finance blogosphere will show you a number of different approaches to living a financially rewarding life. 

Some bloggers like Ramit Sethi from I Will Teach You to Be Rich scoff at little cost cutting measures like making your coffee at home instead of stopping by Starbucks, arguing that the way to truly become wealthy comes from making more money, not cutting little corners.

Others like Crystal Paine at Money Saving Mom advocate a frugal lifestyle.

She regularly advertises free deals and ways to be frugal such as using coupons when shopping, menu planning, and taking advantage of free summer activities with kids.  While she does advocate having a side gig if you’re able, her main focus is saving money by spending less money.

Of course, these two strategies combined — earning more money and saving money in all the little ways you spend on a daily basis — are important to growing your net worth.

But there’s also another strategy that may be even more important than cutting corners on routine, small expenditures–cutting corners on large purchases that can save you thousands in one fell swoop.

Saving on large purchases isn’t discussed as much because there’s not an opportunity to save as frequently.  After all, you may go to the coffee shop every day, and you may go out to eat a few times a week, but you’ll likely only buy a new car every five to ten years.

Still, the big purchases can save you as much in one fell swoop as a year’s worth of savings by making your coffee at home.

These Big Financial Wins Rock!

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5 Free or Inexpensive Summer Activities to Keep the Kids from Being Bored

free inexpenive or free summer activities for kids

Summer is here and children are out of school. 

If your kids are like mine, they count down the days until school ends, and they revel in their newfound freedom — for a week or two.  Then, the inevitable sibling bickering and the whines of “I’m booooored” begin.

By mid-July at the peak of summer when they’re most bored and the temperatures are soaring, things can seem pretty grim.  Parents may begin counting down the days until school is BACK in session.

But it doesn’t have to be this way.

There are plenty of things you and the kids can do to have a fun, educational summer.  (All the better if they don’t realize they’re learning while they’re having fun!)

Best of all, many of these activities are cheap or free!

Here Are 5 Free or Inexpensive Summer Activities to Help Occupy Your Kids

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9 Things to Do When You Retire

9 things to do when you retire.

Retirement is a stage in life that everyone in the rat race looks forward to.

It proves that you paid your dues to society, worked for a lengthy period, and it’s now time to open up the next chapter in your life.

Previously, when people retired, they didn’t have as much time to enjoy it.  There wasn’t much to do, and they weren’t expected to live very long afterwards.  With improvements in technology and health, people are living longer, and in some cases, are retired longer than they spent working!

So how can you spend your days with your new found freedom?

Here are 9 things to do when you retire:

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Loyal3 Review – Is Fee Free Investing for Real? Maybe

fee free investing with Loyal3

How do you pick a brokerage firm?

Is it based on a funny commercial or the latest print ad you saw?  (I hope you take your retirement more seriously than this!)

Or it is based on a careful analysis of costs, investment options, and overall value?

Here’s the deal: Not all brokerage accounts are the same. Many are similar in investment options and cost leaving only marketing to differentiate them.  Every once and a while you run across a new brokerage that really is running their business significantly different than their competitors.

Loyal3 is one of those firms.  Read on and find out what they are all about and if they are for real in our Loyal3 review.

What is Loyal3?

Loyal3 is a brokerage firm with a different take on investing.
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The Best Four Companies and States for Family Leave

The four best states and companies for family leave

In our current environment of wage freezes and increased health care costs, one of the features that can distinguish a good company from a great company is the fringe benefits you receive.

While your wages may remain stagnant, fringe benefits can provide substantial bonuses and savings for your bottom line.

Unfortunately, one benefit that few companies have is a comprehensive family leave plan.

Of course, back in 1993, President Clinton signed into law the Family Medical Leave Act.  This act allows a new parent (either biologically or through adoption) as well as those with sick family members to take up to 12 weeks unpaid leave from their job within a 12 month period.  The employee is able to retain health care benefits, and they cannot lose their job.

However, not all companies have to follow the Family Medical Leave Act (FMLA) such as those with less than 50 employees.   Likewise, if the employee seeking to take FMLA has not worked for the company for at least 12 months and worked at least 1,250 hours in the past 12 months, the company does not have to grant the employee leave.

With these contingencies on FMLA, many, many employees fall through the cracks and find themselves back at work less than a week after they have a baby because they do not qualify for FMLA or they cannot afford to take an unpaid leave.

However, there are some companies as well as states that go above and beyond and offer their employees or residents better FMLA benefits than required by federal law.

As a working parent, these are the companies that you want to work for or states you want to live in.

Top 4 Companies to Work for With Great FMLA Benefits

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