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Tips to Set Up Your Kids for Financial Success

December 9, 2022 1 Comment

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No matter how old your kids are, you may have already started thinking about how you may prepare them for their future. There are many ways your relationship with your kids might affect your future, but if you are smart with your money, you can use it for your own expenses as well as your children’s.

Tips to Set Up Your Kids for Financial Success

This can set them up for their own successful financial future going forward. As a parent consider this your duty and have the kids carry it forward as a family legacy.

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9 Ways to Slash College Costs Without a Scholarship

January 4, 2022 1 Comment

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College costs are on an upward trajectory. Until government officials implement tangible reforms, a college education will remain out-of-reach for many students. Fortunately, scholarships usually go a long way in reducing the financial burden that college fees present.

9 Ways to Slash College Costs Without a Scholarship

The reality, however, is that sometimes scholarships are hard to come by. Competition is stiff, and even students with commendable grades miss out.

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5 Tips For College Students To Save Money While Living Off-Campus

June 21, 2021 Leave a Comment

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It’s no surprise to anyone that college life can be expensive. Not only is there the cost of paying for the education, but many students move out of their family home to attend. This puts a lot of financial strain on everyone.

5 Tips For College Students To Save Money While Living Off-Campus

However, there are ways to save money with good financial choices and avoid taking on more debt. Here are some insider tips to keep money in your pocket even if you live off-campus.

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International Students Market in Australia

February 9, 2021 Leave a Comment

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International students’ enrolment rates have been increasing since 1994 and peaked in 2019 with a total of 943,450 enrolments across higher education, secondary and early childhood education. 2020 has proved itself to be a hard year in the education industry, showing a 6.9% decrease in enrolments across all education sectors. THE MARKET OF INTERNATIONAL STUDENTS IN AUSTRALIA International students’ enrolment rates have been increasing since 1994 and peaked in 2019 with a total of 943,450 enrolments across higher education, secondary and early childhood education. 2020 has proved itself to be a hard year in the education industry, showing a 6.9% decrease in enrolments across all education sectors. Leading the trend was the sharp decrease of enrolments in English Language Courses (ELICOS). from 151,976 to 103,130. Seconded by the higher education sector which saw a 5% decrease of enrolments from 440,308 to 418,018. The decrease of enrolments was evident in between holidays, where it was the lowest between Queensland school holidays in April and May. Early childhood education The effects of a 5% decrease in higher education enrolments does not only affect the education industry itself, as international students contribute to the demand of accommodations, retail and hospitality as well as luxury goods. In 2019, universities reported a $9.8 billion revenue from international students, considering the total contribution of $40 billion was made to the Australian economy in the same year, it is not hard to see the domino effect that a small decrease from international students could have on the economy as a whole. The impacts were also amplified by the number of international student visa holders who are outside Australia, where 30% of international student visa holders are not in the country by the end of 2020 and the downtrend is expected to resonate in 2021. Combined with the decreasing enrolment rates, the 40-billion-dollar pie shared by Australian businesses from retail to real estate is expected to shrink as new enrolments from international students continue to fall, and enrolled students continue to leave. The theme observed from various international student groups in Australia seems to indicate that their decision was influenced by a combination of factors. Some students have been in Australia since the start of 2019 and the uncertainty of when the borders will open have pushed some students to return back to their countries as attending online classes while living in Australia does not seem to be the most economical choice, where students are paying for rent, utilities and other living expenses. While others were frustrated that they could not return to Australia since the borders were closed to international students. Perhaps one of the factors that can be quantified more easily is the increasing tuition fees that universities are charging towards international students despite the classes being online and campuses closed off to students. From 2016 to 2019, the tuition fee for international students have surged over 18% which is over 350% of the inflation rate in the same period. This seems to concur with the plain definition of s 49 - price discrimination in the Trade Practices Act introduced in 1974, although the provision was repealed by the Competition Policy Reform Act in 1995 in 1995; the argument that international students should pay more largely because they don’t pay Australia taxes which contribute to universities. This argument would be valid if education was free and subsidised largely by Australian taxes, however as Australian universities are not free and the fact that international students do pay tax on their income, food and even a textbook; the argument that international students don’t pay taxes seem to be far fetched and flawed. Like any other markets, the education industry is prone to ups and downs. The education industry standing at the third biggest export of Australia proves that there is no dispute that there is still a strong demand for Australian education, but when the practices of universities are largely based on economic motives paired with the downtrend of international demand and public policy made without concern for international students despite their significant contribution; it is setting the stage for the downfall of the industry and the wellbeing of the economy and reputation that Australia currently holds as a whole.

Leading the trend was the sharp decrease of enrolments in English Language Courses (ELICOS). from 151,976 to 103,130. Seconded by the higher education sector which saw a 5% decrease of enrolments from 440,308 to 418,018. The decrease of enrolments was evident in between holidays, where it was the lowest between Queensland school holidays in April and May.

Early childhood education 

The effects of a 5% decrease in higher education enrolments does not only affect the education industry itself, as international students contribute to the demand of accommodations, retail and hospitality as well as luxury goods.

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Is It Worth The Money To Go To An Ivy League School?

June 29, 2020 Leave a Comment

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It’s every parent’s dream for their child to go to an Ivy League school like Harvard or Yale. The prestige, the pride, the sense of accomplishment that all the hard work of raising your kids has paid off. If you’re in high school or you know someone who soon is entering college, this article is for you. 

Is It Worth The Money To Go To An Ivy League School?

But, the debt that you are going to put yourself in to go is something to consider. It costs a small fortune to attend those universities. So, is it actually worth it to go to one? Is it going to be any better for you in the long run than spending less and going to a more reasonably priced public or even private university?

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7 Reliable Ways to Get Some Extra Income While Studying

August 20, 2019 1 Comment

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As a student, one finds oneself in need of money pretty often. Ever-growing expenses for books and other academic-related items increased prices for essential goods and various student get-togethers draw money from your pocket. Many students complain that they feel hesitant about asking their parents for help. Others think that they have to earn on their own.

Student Jobs

Making money while getting an education can be pretty tough, but there is no alternative: today, most students have to work while studying. The art of balancing education and work is an essential skill that many students learn in practice.

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Understanding Education Saving Plans

June 8, 2019 Leave a Comment

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Are you interested in education saving plans? Do you want to know which one can offer you maximum benefits? Then, you’ve landed on the right page, as this article focuses on the key features and discusses the popular types of saving plans.

Understanding Education Saving Plans

As you might already know, there are numerous types of education saving plans. The majority of them come with specific features. Thus, if you are new to this industry, you might find it hard to choose the right option that fits you.

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College Students Should Manage Their Finances Well

April 9, 2019 8 Comments

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Most students have to operate on a tight budget. Whether you are learning on a grant or you are being g sponsored by your parents, it is common for students to lack money. I remember my student days, where we were on a tight budget almost the whole of student life. We used to live out of noodles on days when the dorm kitchen was closed for some reason. We used to pool money for buying books and supplies.

College Students Should Manage Their Finances Well

I studied in India we had subsidized education there. I didn’t have to take a loan to study tuition was negligible, all we had to pay for was the living expenses. But still, as my father was retired I didn’t have any other choice but to make every penny count. Now my nephew just got into a grad school. He’s studying in the USA, he got all the scholarships available for him. But still, the loan was not small.

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Ways of Financing Your Education

July 13, 2018 2 Comments

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Unprivileged high school students thinking of getting a university degree or people who completed a certain degree and are now contemplating to pursue a different profession usually find it difficult to finance their higher education.

Ways of Financing Your Education

This is due to the fact that higher education is becoming increasingly expensive, and the unfortunate thing is that quite a number of individuals are not in a position to afford it.

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10 Best Strategies for Students to Save Money Studying Abroad

March 14, 2018 2 Comments

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Studying abroad is a great experience, and if you have an opportunity to go study somewhere outside your country, you should definitely seize it. But if you do want to approach this wisely, you need to keep a lot of important things in mind, from how are you going to take care of yourself to how are you going to spend money.

10 Best Strategies for Students to Save Money Studying Abroad

Sadly, not all of us have good money habits when we go to college or start studying abroad. Those things are rarely taught in schools, so unless you’ve read some good books, received great tips from your parents or have good money handling skills on your own, there’s a chance that you might struggle with both budgeting and spending.

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