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8 Best Ways To Invest While You’re In College
As a college student, you probably are busy with classes, projects, and trying to meet deadlines to really bother too much about what comes after college. But you should. After college, you will need to start thinking about moving out of your parents’ house and settling down. To help with this, you will need to have some money, but unless you have an inheritance waiting for you, this might not be easy. Some students choose to invest while in college to help alleviate this stress. This article discusses eight ways you too can invest while in college.
As a student, college is a great time for investing. You are young and have many years ahead of you. The decisions you make now might play a significant role in how things turn out in the future. To help you with this, here are eight ways you can invest as a college student.
1. Learn to save
Many people find it difficult to save, either because of how low their income is or because of their spending habits. While in college, chances are that you don’t have too many financial responsibilities, so this is the best time to start building the saving habit. One way to start is by creating a budget and following it. You should write down your monthly expenses and your irregular expenses — you might have to make some small cutbacks. You should set aside the money you’ll be investing for the future and for emergencies, such as buying papers for sale at GrabMyEssay — they offer some of the best essays on the internet.
2. Try automating your savings process
If you rely solely on willpower, it might be hard to maintain a saving habit over a long period. As much as possible, you should try and automate this process. If you receive your salary on a regular basis, you might want to automate the transfer of a certain percentage into a personal savings account. You can also speak to your employer and ask if he can split your payment between your savings and checking account. Aside from these two options, you can also choose to use saving apps such as Acorns to automate your savings process.
3. Consider opening a high-yield savings account
Some savers don’t consider bank products (such as high-yield savings account) as investments, but this is a mistake. Not only are they often the safer option to store your money, but high-yielding savings account also offer rates higher than a normal savings account. The condition is that you keep your money with them for a specified period of time. For instance, if you have the money you would be using for your tuition the next year, you can deposit it in a high-yield savings account till that date.
4. Use either a free or low-cost broker
If you would like to get into investing, it is easier these days. There are low-cost brokers such as Fidelity Investment that offer free stocks and educational tools you can use for research. If you prefer a free option, you can consider Robinhood. It should be noted that Robinhood also has a paid version (Robinhood Gold, $5 a month) that offers Morningstar research. One of the main selling points of Robinhood is its easy-to-use platform, so as a college student you’re likely to appreciate it.
5. Try out stocks
As a college student, you are likely still in your 20s, and so investing in stocks can be a good option for you. With stocks come a high degree of volatility (high risk), but as time progresses they tend to offer good returns. Considering the fact you won’t be retiring anytime soon, you can decide to invest and watch your money increase over the years. To invest in stocks, you need resilience, and these tools can help you build one for yourself — they will help prepare you for leadership roles in your future careers.
6. Consider buying an S&P 500 index fund
When investing in stocks, you should avoid picking stocks, and most investors except for a select few lose money through this method. It is much better if you invest in index funds, such as the S&P 500 index fund. One major advantage of index funds is that it charges relatively low maintenance fees, and on average they do better than actively managed stocks.
7. Use a Robo-advisor
You might want to consider a Robo-advisor if picking stocks yourself or working with index funds isn’t for you. A Robo-advisor buys stocks for you based on how aggressive you want to be with your investments and the timeframe you are considering. You can start with as little as $20. Some Robo-advisors charge a percentage (usually .25%) for their services, while others waive it for small accounts.
8. Start a side business
Another option is investing in your side hustle. One great thing about starting a side hustle as a college student is that with time it can change to a full-fledged business. Some students while in college have started small businesses aimed that providing common services such as beverages, laundry, and others to fellow students. Don’t be afraid to try something new.
As a young adult, you’re in the position to easily make changes to your life. Building the habit to invest safely and consistently, or just set money aside, can play a major role down the road. Working on a saving habit early will help you succeed where many have failed and can allow you to find your own way in life without having to financially rely on other people.
17 days to go! Every year people panic to find the perfect gift. We at T2C have been collecting idea’s all year long to bring you the perfect gift guide at all price levels. When you’re at the end of your rope trying to find the perfect Christmas present this year, come to this guide for some great suggestions.
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As we head into the holiday season, The Algonquin Hotel’s December event lineup is open to both hotel guests and New York City locals. The hotel will spread holiday cheer with a variety of festive performances, cocktails, and experiences including:
- Cocoa and Carols Happy Hour: Daily, 5-8PM, Every evening this December, all are invited to enjoy Specialty Cocoa while Christmas carols chime at the Blue Bar. Drinks will include Mexican Hot Chocolate spiked with mezcal
- KT Sullivan Cabaret: December 5th, 12th and 19th, Sullivan will perform her iconic Christmas Cabaret. As noted by The New York Times, Sullivan is a thrilling Off-Broadway performer with over eight published albums
- Rocco Dellaneve’s Rat Pack Christmas: December 7th, 14th and 21st, Rocco Dellaneve will perform iconic songs from the Rat Pack Christmas album with special inclusions of Santa with Sinatra, Rocco of the Snow, Rudolph and the Rat pack
- The Serafina’s and Broadway Vocalists: December 8th, 15th and 22nd, enjoy the high kicking – precision line dancing Christmas tradition around The Algonquin tree. The Serafina’s will be available for pictures and autographs from 6pm to 7pm, followed by special Broadway vocalists
A portion of proceeds from all events will be donated to Toys for Tots.
Beyond the December events, The Algonquin Hotel is located in a prime position nestled in the heart of Times Square and Fifth Avenue, making it the perfect launchpad for a New York City holiday experience. The hotel is a historical jewel that emphasizes the importance of making unique, storied experiences. Since its opening in 1902, The Algonquin Hotel is famous for its timeless style and desire to honor the literary and cultural elite. The distinguished Round Table Restaurant and Blue Bar offer tasteful dining inclusions and curated cocktails that are sure to excite everyone.
Photo credit: The Algonquin Hotel, Autograph Collection
The Festival of Lights, starts today Thursday, December 7th and goes through Friday, December 15th. From classic Jewish foods to fan-favorite chocolates, there are many options to celebrate Hanukkah in New York City.
New York’s iconic Li-Lac Chocolates, celebrating its 100th Anniversary has been enjoyed by generations of locals and tourists alike. Manhattan’s oldest chocolate house, Li-Lac, has remained true to its tradition maintaining the same single-minded focus on product quality. Its confections are handmade daily in its Brooklyn Factory using many of the original techniques and equipment from 1923.
Li-Lac Chocolates makes for the perfect Hanukkah gift for friends and family. They have a broad selection of specialty molds and gifts, now offering more than 120 items making it one of the largest selections of gourmet chocolates in the world.
All of its chocolates are certified Kosher and gluten-free.
A few gift options for Hanukkah include:
- Dreidel Filled with Gelt
- 20 pc. Chanukah Chocolate Gift Box
- Chest of Gelt
- Menorah Pop
The full list of Hannukah chocolates may be viewed here.
To learn more about Li-Lac Chocolates rich history, you may view a comprehensive press release here.
Store locations: Industry City/Brooklyn, Greenwich Village, Bleeker Street, Chelsea Market, Hudson Yards and Grand Central Market.
Ships: via FedEx in the United States and Canada.
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The popular Upper East Side Jewish Delicatessen PJ Bernstein will be rolling out a special Hanukkah menu, available for catering, delivery, takeout as well as dining in.
One of the last remaining of its kind, PJ Bernstein has been a staple in its neighborhood since opening its doors on the northeast corner of 70th St. and 3rd Ave. Serving the classics since 1965, it continues to be a hotspot for locals and celebrities, attracting the likes of Mayor Ed Koch, Liza Minelli, 2 James Bonds in Sean Connery and Daniel Craig, and Cuba Gooding Jr., to name a few.
Highlights of their Hanukkah menu include the following, but are not limited to:
- A Special Prix Fixe Menu with a Mixed Green Salad, Matzoh Ball Soup, Brisket with Mini Latkes, Kasha Varnishka, Gravy, Apple Sauce, and a Mini Danish.
Appetizers:
- Famous Potato Latkes, a holiday favorite
- Baked Knishes
Entrées:
- Smoked Sturgeon
- White Fish Salad
- Roasted Chicken
Sides:
- Baked Sweet Potato
- Egg Barley
Desserts:
- Chocolate Rugelach
- Challah Bread
18 days to go! Every year people panic to find the perfect gift. We at T2C have been collecting idea’s all year long to bring you the perfect gift guide at all price levels. When you’re at the end of your rope trying to find the perfect Christmas present this year, come to this guide for some great suggestions.
In searching for gifts for kids, we love Krunch Pop Glow Tubes! ($22.95 for 12)This super cool toy can be stretched out and spun to make cool sounds, or you can connect a bunch and have a hoola hoop contest! It’s perfect for both kids and grown-up celebrations and is easy to bring along on trips, making it limitless on-the-go fun that travels well.
The Krunch Pop Glow Tubes are also bendable, stretchable, twistable, spinnable, and linkable, so you can create all sorts of shapes and designs to light up your party. And if you’re feeling anxious or stressed, this calming and relaxing sensory fidget toy can help relieve your worries. Just twist and pull the toy to make a satisfying “pop” sound that feels great to touch. The crunchy popping sound is so satisfying that you’ll want to play with it all day long!
Ready for something great, enter the #KrunchmasJoy Giveaway. We are on week 3 of a 4 weeks of Krunchmas” giveaway! Get ten chances to win a pack of delicious Krunch Pop Tubes every week until Christmas!
19 days to go! Every year people panic to find the perfect gift. We at T2C have been collecting idea’s all year long to bring you the perfect gift guide at all price levels. When you’re at the end of your rope trying to find the perfect Christmas present this year, come to this guide for some great suggestions.
Well today one of my favorite gifts to give and get is coupons of thoughtful acts. Say your best friend loves hot chocolate and you are sugar free…a trip for a cup whip cream filled creamy delight can show you care. Massages, drawing baths, laundry, dinner for 2, a night of Hallmark or Lifetime Christmas movies could be just the thing to show you listen, care and hear what the other person loves. Time is much more precious. Gifts don’t have to cost much, they just have to have thought behind the intent.
If you don’t have time to shop or are limited in funds, this could be just the ticket!
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