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Credit Cards for College Students

What Every Student Should Know Recently I told my daughter to go pay something with a check. She responded by asking me if she had those somewhere. She literally had never written one. In a day of Venmo, Zelle, debit and credit cards, people, students included, just don’t seem to carry cash anymore and checks are becoming more and more archaic. Credit cards, though, can be scary for students; particularly when they see the word “limit” and somehow skip over the fact that those balances have to get paid. Given that we made some serious errors with our oldest regarding money management, we decided to approach things differently with young adult #3. As she entered her sophomore year, we actually encouraged her to get a credit card. We began by explaining the reasons why: Establish credit Learn to manage money Provide ease and convenience when paying for things Take advantage of offers […]

‘Tis the Holiday Season

They Will Love the Holidays… The Holidays are right around the corner. And while it may not be that hard to figure out what students want, we sent our interns out to pull together an unscientific list of gifts students actually want. From gift cards and money to practical and fun, here is their 2018 gift list. To help you get a jump on these items, we’ve added links to websites and products. Electronics When it comes to technology, no surprises here. From Earpods to wireless Headphones, from Smart speakers to Smartwatches, from Smartphones to Laptops to streaming devices, every college student needs some kind of electronics. It’s all about making their lives easier while they are at school studying, exercising to unstress or taking a study break to catch up on their favorite shows (they can’t study 24/7) Check out all our Electronic picks here Cozy Students love to feel cozy […]

Economical to Extravagant

Almost as soon as the first acceptance to college came in, so did the idea of actually having to pay for their tuition and room and board. When they were small it was something we always envisioned we would do and planned accordingly.

The World is your Classroom

Almost as soon as the first acceptance to college came in, so did the idea of actually having to pay for their tuition and room and board. When they were small it was something we always envisioned we would do and planned accordingly.

Interning in New York

It’s bound to happen.  At some point, while our kids are at college, the phone will ring and suddenly our mature, independent college student will sound like a preschooler again. There is little worse than when they tell you how sick they feel and you are far away.

‘Tis the Holiday Season

They Will Love the Holidays… The Holidays are right around the corner. And while it may not be that hard to figure out what students want, we sent our interns out to pull together an unscientific list of gifts students actually want. From gift cards and money to practical and fun, here is their 2018 gift list. To help you get a jump on these items, we’ve added links to websites and products. Electronics When it comes to technology, no surprises here. From Earpods to wireless Headphones, from Smart speakers to Smartwatches, from Smartphones to Laptops to streaming devices, every college student needs some kind of electronics. It’s all about making their lives easier while they are at school studying, exercising to unstress or taking a study break to catch up on their favorite shows (they can’t study 24/7) Check out all our Electronic picks here Cozy Students love to feel cozy […]

‘Tis the Holiday Season – Practical Fun

They Will Love the Holidays Even with Practical and Fun Gifts! The Holidays are right around the corner. And while it may not be that hard to figure out what students want, we sent our interns out to pull together an unscientific list of gifts students actually want. From gift cards and money to practical and fun, here is their 2018 gift list. To help you get a jump on these items, we’ve added links to websites and products. I did not cook much as a college student, but today’s students are not only more cooking savvy but they know which cooking appliances will save them time (so they can study, remember?). From blenders (smoothies make for a great meal on-the-go, to air fryers (because who needs all that extra oil/fat) to Keurigs. Or how about a monthly subscription of streaming television, hair, makeup and skincare samples and clothing delivered to their […]

‘Tis the Holiday Season – Stocking Stuffers

Fill Those Stockings to the Brim… The Holidays are right around the corner. And while it may not be that hard to figure out what students want, we sent our interns out to pull together an unscientific list of gifts students actually want. From gift cards and money to practical and fun, here is their 2018 gift list. To help you get a jump on these items, we’ve added links to websites and products. From eco-friendly water bottles to keep their drinks at the right temperature (for their hours n the library) to cookbooks (when they need to eat without complicated recipes), from portable chargers (so they will always have a fully charged phone when they are out) to planners for the new year (a tool they’ll likely appreciate in college), wallets (so they won’t lose their ID, money, driver’s license – which we know happens frequently) and backpacks (they have to […]

‘Tis the Holiday Season – Watches

Be On Time for the Holidays… The Holidays are right around the corner. And while it may not be that hard to figure out what students want, we sent our interns out to pull together an unscientific list of gifts students actually want. From gift cards and money to practical and fun, here is their 2018 gift list. To help you get a jump on these items, we’ve added links to websites and products. Time for them to make sure they aren’t running late to class, or they are clocking in a good amount of exercise all while not missing a text, important email, reminder. From smart watches to activity trackers to impressing that interviewer (while of course at a job fair looking for an internship or job), they are all about these watches. Click on the product or your favorite store logo of what you like, and we’ll lead you right […]

‘Tis the Holiday Season – Sporty

Be Sporty for the Holidays… The Holidays are right around the corner. And while it may not be that hard to figure out what students want, we sent our interns out to pull together an unscientific list of gifts students actually want. From gift cards and money to practical and fun, here is their 2018 gift list. To help you get a jump on these items, we’ve added links to websites and products. From workout sneakers and even pre-workout sneakers (smh that is something requested) to workout clothes for the gym or yoga, students today are finding a way to balance classes and going out to working out. IMO it’s great that they understand the health benefits of exercise. Click on the product or your favorite store logo of what you like, and we’ll lead you right to the purchase!     Fila Sneaker Throwback vibe sneaker from FILA featuring an aggressively […]

‘Tis the Holiday Season – Cozy Stuff

They Will Love Cozy Stuff for the Holidays… The Holidays are right around the corner. And while it may not be that hard to figure out what students want, we sent our interns out to pull together an unscientific list of gifts students actually want. From gift cards and money to practical and fun, here is their 2018 gift list. To help you get a jump on these items, we’ve added links to websites and products. Students love to feel cozy (we’d like to believe because it reminds them of home) whether they are hitting up the library or just hanging out. That means comfy novelty socks, slippers, and even string lights and candles. Click on the product or the title of what you like, and we’ll lead you right to the purchase!   Ugg® Socks In 1978, an Australian surfer brought his beloved sheepskin boots to Southern California and founded UGG. […]

‘Tis the Holiday Season – Electronics

They Will Love Electronics for the Holidays… The Holidays are right around the corner. And while it may not be that hard to figure out what students want, we sent our interns out to pull together an unscientific list of gifts students actually want. From gift cards and money to practical and fun, here is their 2018 gift list. To help you get a jump on these items, we’ve added links to websites and products. When it comes to technology, no surprises here. From Earpods to wireless Headphones, from Smart speakers to Smartwatches, from Smartphones to Laptops to streaming devices, every college student needs some kind of headphones. It’s all about making their lives easier while they are at school studying, exercising to un-stress or taking a study break to catch up on their favorite shows (they can’t study 24/7) Click the button of your favorite store below the product you like, and […]

Finals Are A Bear – Send A Care Package!

Send Help Now! Final exams can be some of the biggest stressors for your student. I typically do not get to speak to my daughter during exam weeks. My calls usually get a “sorry I cannot talk right now” text response followed by an “I’m at the library mom” text. I also know that she is not going to eat healthily and probably going to consume any form of caffeine she can get whether it is coffee or energy drinks and late-night snacks most likely consisting of pizza and junk. Everything from eating habits to sleep habits, from study skills to exercise changes during exam time. I hate to say it but I had my share of all-nighters when I went to UF and, no matter how good a student you may have, when there is a grade on the line, students will do whatever it takes to make sure they are […]

Interning in New York City

Who doesn’t want to live in New York City? Ok, I am a little partial. I am a born and bred New Yorker, living in S. Florida for 25 plus years, and I still love it. And so do many of our students, which is why New York is so popular for summer internships. They will need a place to live. Where to look for housing? There are many options. Most interning students live in dorms in various colleges throughout the city. New York University – is most popular and fills quickly. My daughter lived downtown on the border of Little Italy in an NYU dorm one summer. The dorm wasn’t very fancy, but the security was tight and the living space was huge, well for NYC. NYU has multiple dorms in a few parts of the city. To save money living in the NYU dorms students can share a room. Depending […]

Florida Prepaid

What Does It Pay For? Many of us who have lived in Florida, planned for our students’ education by taking advantage of the Florida Prepaid program. The program allows families to prepay for their child’s education at a guaranteed fixed rate. Many of us, also, were practically in shock when our last payment came due, possibly because that meant that college was right around the bend. If you are anything like me you made your payments habitually, but when it came time to actually register my kids for a university in the state of Florida, we weren’t completely sure what all those years of payments were going to cover. Now we know. We will admit we learned along the way. For instance, we did not pay for dorms for more than one year as we were advised not to since many students choose not to live in the dorms beyond freshman year. […]

Midterm Blues Care Package

Surprise Them With a Box of Love! Midterm and final exams can be some of the biggest stressors for your student. I typically do not get to speak to my daughter during exam weeks. My calls usually get a “sorry I cannot talk right now” text response followed by an “I’m at the library mom” text. I also know that she is not going to eat healthily and probably going to consume any form of caffeine she can get whether it is coffee or energy drinks and late-night snacks most likely consisting of pizza and junk. Everything from eating habits to sleep habits, from study skills to exercise changes during exam time. I hate to say it but I had my share of all-nighters when I went to UF and, no matter how good a student you may have, when there is a grade on the line, students will do whatever it […]

Safety Tips For Using Rideshare

Important  Reminders I remember when I first heard about Uber and thought it was a brilliant concept for so many reasons; one of which was that it should cut down on people driving after drinking and provide a way that my college kids didn’t walk home late at night or alone. I still think the idea is great and encourage my kids to continue to use Uber, Lyft, Wahi Ride or whatever their choice may be; however, before more scary stories show up in the news, we have had to create some new rules to be sure that they remain safe. Of course, the first rules are that whenever possible ride with a friend and when you feel the slightest bit uneasy, do not hesitate to call for a campus police escort. Simple rules: Confirm the name of the driver, make of the car and license plate. In other words, make sure […]

Send a Little Halloween Love…

Have Some Halloween Fun! When my daughter left for college, I sent her a Halloween care package.  It was nothing fancy; just some dollar store decorations, candy for her to share with her suitemates and some fun things that could be used for a makeshift costume. Remember that UPS shipping within the state of Florida is typically overnight at no additional cost; a perk I have often enjoyed. If you are creative,  Pinterest has some great themed care package suggestions.  Some sayings you can put inside include: I Miss you Boo (with a ghost next to it) No tricks just treats! Hey Pumpkin, you deserve this Going batty without you Well… you get the point. We’ve taken the guesswork out of what to send and went right to the source… our interns. They may be adults but they are still not too old for a good, old-fashioned Halloween gift. Here are the most […]

The First Few Weeks

We completed the drop. We unloaded the car in the treacherous Florida heat and we set up their rooms. The bed was made, everything had been put away and it only took two trips to Target for things we didn’t realize we would need. We said our see-ya-laters and shed the appropriate amount of tears. It was when I got into the car without our new college freshman, all the advice we meant to give them about those first few weeks lay dormant somewhere between the big lump in my throat and my empty heart. Forgive me if I sound dramatic, but the truth is there is a great deal to be said at that time. Whether or not they take to heart is another story. Perhaps starting the conversation a few weeks before drop-off is a better idea. Getting Started Those first few weeks of college are a crucial time for […]

GAP Year

Should Your Student Take a Year Off Before Graduate School? I remember when I started graduate school and on the first day of class, we were assigned to read over 300 pages and write a paper before the next class. My jaw dropped and I wondered if the professor was serious. Not every class is like this, but after four years in college, some students may choose to take a break before jumping into graduate school; whether it’s medical school, law school, an MBA or just about any other advanced degree. Graduate school can be a grind. There are other reasons students choose to take a break; or gap year, before going on to pursue an advanced degree. Many graduate programs prefer students to have some time out in the working world before grad school. It is not uncommon for students to partake in internships that will provide them with experience in […]

Teaching Them to Budget

My Best Advice as a Parent Three times the charm. Well, I suppose that isn’t fair; all three of my kids are charming and adorable. The difference is that not all three are very good with money and frankly I blame myself a little for that. I am not one to preach, but since you asked, the best advice I would give to a parent of a new college student is to give them a budget and make them stick to it. With my first college student, there was no real budget. She called and said she needed more and I supplied. Her requests never seemed too unreasonable. I paid her rent, credit cards, car expenses, food and so on. It all seemed so logical. Why then, as a college graduate in the real world, did she have such a tough time navigating bill paying and budgeting? Because she never had to. […]

Types of Student Loans

What are your options? When I attended school back in 1979, my Dad had four of us in college at the same time. It was through student loans that my parents were able to manage the costs of all four of us attending school along with some parental financial support. Unfortunately, as far back as I can remember, many students including myself, have used their student loans for entertainment, shopping, vacations, etc. The Department of Education loans money for school and it is imperative for your student to understand that student loans should not be used for frivolous spending. Trust me, I learned the hard way. The loans and interest (depending on the type of loan you have) add up very quickly. Repayment of said loans can be a huge monthly cost; therefore, understanding all the terms of student loans is, in my opinion, essential. In all cases, you must begin with […]

What is  – FAFSA?

First Applicants Find Substantial Assets, of course! FAFSA is the national Free Application for Federal Student Aid but, based on how aid is distributed. Because aid is distributed on a first come, first serve basis, every student that hopes to receive aid for college must fill out this form to even be considered. Every college has their own deadline. Beginning with the 2017-2018 FAFSA, students were able to file the FAFSA using prior-prior year (PPY) tax data. As a result of this change, you now can submit the FAFSA for the 2019-2020 academic year on October 1, 2018, using your 2017 tax and income information. (Summer applicants for 2018 need to submit a 2017-2018 application). If you have not done so already, you will also need to complete that year’s application as well. The IRS link for a tax return is no longer available for the 2017-2018 application and will have to […]

What Are Your Legal Rights With Your Student?

HaveUHeard that once your child is 18, they are considered a legal adult? It was close to 10 p.m. when I received the call from my daughter, now a junior in college, that she had fallen during an intramural soccer game and was pretty sure she broke her elbow. Her friend was driving her to the emergency room. Here I was, over 350 miles away, it was late at night and I would not be able to do much of anything but worry. I told her to put me on speaker phone when she saw a doctor so I could hear what was going on. I had not given any thought to the fact that my daughter was over 18 years of age, so legally, I was not entitled to the same level of information, or access, that I had been for her first 18 years. I am a CPA with elderly parents. […]

What to Wear for Sorority Rush

Four Rounds and you’re IN!! I remember my daughters going through rush. The first one was convinced that her outfit selections were the reason she got dropped from many of the houses. That is very hard to hear from your daughter especially when you have spent much of their lives trying to teach them that beauty comes from within. That is not to say that there were not moments in which I tried to teach them that they needed to dress appropriately; appropriately for job interviews, appropriately for family get-togethers. You get the point. I did not want them so focused on brands or trying to dress in a way that was not representative of who they were. But, recruitment is one of those times when you are judged on appearances. I am not suggesting that those going through recruitment should dress in a way that does not make them feel comfortable. […]

First Time Student Loan Borrower?

You’ll Need to Do This. What is Entrance Counseling? In July of 2016, the U.S. Department of Education made it a requirement that, in order to have student loans disbursed, all students must complete Direct Loan Entrance Counseling. This counseling includes information needed to successfully repay the federal student loans they will be receiving to help pay for college costs. You can get more information here. If you have not previously received a Direct Loan or Federal Family Education Loan (FFEL), the federal government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming. You must complete entrance counseling before you can receive the proceeds of your first Direct Loan. If you are completing entrance counseling to borrow a loan as an undergraduate student, then the entrance counseling will fulfill counseling requirements for Direct Subsidized Loans and Direct Unsubsidized Loans. If you are completing […]

Orientation and What You Don’t Need to Bring

Ok, here you go on the big new adventure! Orientation and moving into a dorm. Here is what we’ve found to be the most helpful suggestions. Let us know if you have anything to add!

I Wish I Would Have Known

I didn’t know, did you? Have U Heard was an idea born when our older kids were at the University of Central Florida and the University of Florida. As working parents, we did not have the time to search for information inside and outside the walls of UCF and UF yet alone get answers from our kids. We had so many “I wish I would have known,” or as we commonly refer to it as “huh? ”moments over the four years our older kids were at college. That is when we thought, “What if there was a one-stop place for parents to get not only detailed information about the university but also the surrounding community? Recognizing how stressful the college process is, from orientation through graduation, we created HaveUHeard to provide the inside scoop from current students and parents; a been there, done that approach from trusted sources… A place to get information […]

Is Their Stuff Safe?

One more thing to worry about, is the stuff safe? Right up there with the call from my college daughter that she lost her phone, keys, student ID, (fill in the blank)

Budget 101

If there is a budget class, sign them up! I’m going to start with the dreaded comment starting “when I was in college, we didn’t have…” (insert teenager eye-roll here).  All of us at HaveUHeard can say that we did not have computers, iPads, or cell phones to help us bank, and somehow, we managed to survive.

Twas the Night before Holiday Vacation

And So the Story Goes… Winter break, visions of sugar plums dancing in your head, family time and maybe a family vacation; and having your student home. But your vision and your student’s vision of winter break may just be polar opposites. Hanging out with you on vacation every day may not be what your student is planning on doing.  And while we are all excited to have our kids home, there needs to be a mutual meeting of the minds, so to speak. Yes, some have had very stressful semesters and may need this downtime. If that is the case, definitely give them a few days to get used to being home. Expect that they have changed; just as you too have changed as you both adjusted to a new family dynamic. You may notice a new sense of independence and self-sufficiency. And that is something to be excited about. Of course, how […]

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