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Electrical power forms of bras available on your underwear industry these days plus some will even assist with teat growth. The word bra will be short for that long run brassiere that was resulting from a The french language term meaning bodice.




Amazingly, the original bras were intended to restrain the busts as an alternative to enlarge these people even so, the present day edition of the lingerie item has been around intended for above one hundred a long time, since early 1900s.Padded bras at some point grew to be common as soon as females found out how much more sexy they are able to seem by means of support the lining of their brassieres. For quite some time, ladies have been stuffing their own bosoms together with areas, natural cotton and also socks.




These devices are filled up with often silicon or even a saline remedy and in addition they appear in a variety of dimensions, designs and also textures.Another health-related treatment will be a excess fattransfer. That isachieved by means of moving adipose cells from the belly or upper thighs by way of liposuction, purifying this after which it injecting the idea to the boobies to make a bigger appear.Body fat exchange generally is a organic approach to relocating shape close to kinds body, however you'll find put together thoughts in relation to their permanency as it has a tendency to reabsorb.



Bust growth, regardless of whether by surgical treatment or perhaps bra, may create blackberry curve charm along with sexiness into a womans human body.



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There are many varieties of bras on this corset current market today and a few may also help with teat enhancement. The term bra is usually quick for that long run brassiere which has been derived from a new France word significance bodice.




Truth be told, the original bras were intended to restrain the particular breasts as an alternative to enlarge these nonetheless, the current variation on this corset lingerie product but has existed pertaining to more than one hundred many years, since the beginning 1900s.Padded bras sooner or later grew to be well-liked as soon as females identified just how much hotter they are able to show up by support the inside of the brassieres. For several years, females were being ingrdient filling his or her busts having cells, cotton and in many cases socks.




The product are usually filled up with often silicone or maybe a saline option and they come in a variety of styles, patterns as well as textures.Another professional medical involvement will be a body fatexchange. It isreached by means of shifting adipose tissues from the abdomen or legs by way of liposuction, purifying the idea then injecting that to the breasts to make a richer seem.Weight transfer can be a organic approach to transferring figure all-around versions entire body, yet there are combined viewpoints in relation to the permanency mainly because it has a tendency to reabsorb.



Teat enhancement, whether by simply surgery as well as bra, could create blackberry curve overall appeal and sexiness to a womans entire body.



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There are various varieties of bras on the lingerie market place these days plus some may also help with breast growth. The saying bra will be brief for the long term brassiere that was resulting from the This particular language expression meaning bodice.




Believe it or not, the original bras have been intended to restrain the failures rather than expand these individuals even so, the modern type with this corset lingerie merchandise has been around regarding around a hundred decades, considering that the earlier 1900s.Padding bras gradually grew to become common when females found out just how much hotter they are able to seem simply by padding the medial side in their brassieres. For quite some time, girls ended up stuffing the bosoms with flesh, natural cotton as well as socks.




These devices are generally full of possibly silicone or perhaps a saline answer and so they are available in many different sizing's, forms and also textures.A different health-related intervention will be a excess fatmove. That isaccomplished simply by transferring adipose tissue in the belly or legs by using liposuction, cleaning the item then injecting the idea in the bosoms to create a larger glimpse.Extra fat move can be a normal way of shifting curves all around people entire body, yet you will find blended viewpoints about its permanency since it has a tendency to reabsorb.



Breasts enlargement, no matter if simply by surgical procedures or maybe bra, can easily include necessities charm along with sexiness into a womans shape.



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Electrical power varieties of bras on the underwear market place currently plus some will even assist with breasts enhancement. The saying bra is small for your long term brassiere that was based on some sort of This particular language word meaning bodice.




Amazingly, the initial bras were being supposed to restrain the particular failures rather than expand them nonetheless, the current variation in this corset lingerie item has been online intended for in excess of hundred decades, since earlier 1900s.Padding bras eventually became well-liked any time women of all ages found out just how much volumptuous they are able to show up simply by extra padding the interior with their brassieres. For several years, women of all ages have been filling their own bosoms having cells, natural cotton and even socks.




They are usually full of either silicone or possibly a saline solution and in addition they come in many different dimensions, forms along with textures.An additional healthcare treatment would be a weighttransfer. That isreached by means of relocating adipose structure on the abdomen or perhaps legs by means of liposuction, purifying that and then injecting it into your breasts to produce a fuller search.Body fat move could be a healthy technique of transferring curves all-around kinds system, however you will find combined views regarding their permanency the way it will reabsorb.



Bust enhancement, whether by means of surgical procedure or perhaps bra, can add challenge appeal as well as sexiness with a womans entire body.



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There are various types of bras available on the actual underwear marketplace currently and many may also assist with breast enhancement. The word bra will be small to the longer term brassiere that has been derived from a new France phrase this means bodice.




Believe it or not, an original bras had been designed to restrain the actual busts as an alternative to increase the size of these nevertheless, the current type in this corset merchandise but has existed pertaining to more than 100 many years, because the first 1900s.Padded bras sooner or later grew to be well-known whenever females found how much more sexy they are able to glimpse by means of extra padding the inside of the brassieres. For quite a while, women of all ages had been padding the bosoms having cells, silk cotton and in many cases socks.




The unit are usually filled up with possibly plastic or perhaps a saline option and so they are available in many different dimensions, patterns as well as textures.One more medical input would have been a extra fattransfer. This isaccomplished by moving adipose structure from the abdomen as well as legs by means of liposuction, cleaning it after which it injecting it to the boobies to create a bigger look.Fat shift can be quite a natural approach to shifting figure all around versions entire body, but you will find put together views with regards to it is permanency mainly because it will reabsorb.



Busts augmentation, whether simply by surgical treatment or maybe bra, can certainly put contour lure along with sexiness to your womans human body.



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There are many sorts of bras on the particular corset lingerie current market today plus some can also assistance with busts growth. The term bra is quick for your long term brassiere which was produced by the This particular language term this means bodice.




Contrary to popular belief, an original bras ended up designed to restrain this busts rather than enhance these individuals on the other hand, the ultra-modern type on this corset lingerie object has been around regarding around hundred many years, since early 1900s.Padding bras gradually grew to become popular any time females identified how much more sexy they are able to look by cushioning the medial side in their brassieres. For many years, women were being filling the busts along with flesh, 100 % cotton as well as socks.




They are generally full of sometimes silicon or even a saline answer and in addition they occur in a range of measurements, forms and also textures.An additional health care treatment would have been a extra fattransport. It isreached by simply relocating adipose structure in the abdomen as well as legs via liposuction, cleansing this after which it injecting this in the breasts to generate a fuller seem.Extra fat transport is usually a organic way of going shape around people entire body, but you'll find merged opinions in relation to the permanency as it has a tendency to reabsorb.



Breast growth, no matter if by surgery or even bra, can easily add blackberry curve charm as well as sexiness with a womans physique.



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There are many kinds of bras available on this corset market place right now and many can also benefit busts enhancement. The saying bra is actually short for that longer term brassiere that has been resulting from a new France word that means bodice.




Contrary to popular belief, the main bras have been used to restrain the breasts rather than increase these however, the current type of this lingerie object has been around intended for more than over a hundred many years, considering that the early on 1900s.Padded bras sooner or later started to be favorite while ladies observed the amount volumptuous they are able to seem simply by underlay the inside of the brassieres. For quite some time, ladies have been filling their bosoms with tissue, natural cotton and in many cases socks.




The product are generally full of sometimes silicone or possibly a saline option and they also occur in several sizing's, patterns and textures.Another health-related intervention is a weightshift. This really isreached through going adipose muscle on the mid-section or even thighs and leg by means of liposuction, purifying that after which it injecting the item to the chests to generate a bigger search.Body fat move can be a healthy approach to moving figure around versions entire body, nevertheless you can find combined ideas with regards to it's permanency mainly because it will reabsorb.



Breast development, no matter if by surgical procedure or even bra, can certainly include contour lure as well as sexiness to some womans entire body.



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There are many varieties of bras available on the particular nighties market place today and a few may also help with breast augmentation. The saying bra can be quick for the long term brassiere which has been derived from some sort of This particular language word meaning bodice.




Contrary to popular belief, the initial bras ended up supposed to restrain this busts as opposed to enhance these people on the other hand, the present day edition on this lingerie object but has existed with regard to above over a hundred years, since beginning 1900s.Cushioned bras at some point grew to become favorite as soon as women of all ages observed simply how much saucier they are able to seem simply by padding the inside of their brassieres. For quite some time, females have been ingrdient filling the bosoms having flesh, silk cotton and also socks.




The product are loaded with often silicon or possibly a saline answer and in addition they are available in many different measurements, patterns and textures.A different health-related involvement will be a weighttransfer. This really isaccomplished by means of shifting adipose muscle from your mid-section or perhaps thighs and leg through liposuction, cleansing this and then injecting this in to the chests to make a larger search.Body fat move is usually a organic approach to going shape all-around ones human body, however you will find merged thoughts with regards to their permanency because it will reabsorb.



Bust development, whether or not by means of surgical procedures or even bra, can certainly create curve overall appeal in addition to sexiness to a womans entire body.



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There are many types of bras available on this corset lingerie marketplace right now plus some may also assist with breasts enhancement. The word bra is usually short to the longer term brassiere which was derived from the People from france concept significance bodice.




Contrary to popular belief, the original bras had been intended to restrain the actual breasts instead of increase all of them however, the ultra-modern edition of this underwear object has been online pertaining to over one hundred a long time, since earlier 1900s.Shock absorbing bras ultimately grew to be common whenever girls identified just how much volumptuous they are able to glimpse by simply extra padding the interior of these brassieres. For quite a while, women of all ages were being stuffing the bosoms using tissue, 100 % cotton and in some cases socks.




These devices usually are filled with often silicone or maybe a saline option and in addition they come in a number of styles, shapes along with textures.Yet another healthcare treatment would have been a fattransport. It isaccomplished simply by transferring adipose cells from the tummy or thighs and leg by way of liposuction, cleansing that and then injecting the item into the bosoms to make a richer glimpse.Extra fat shift can be a natural method of moving curves all-around people human body, although there are combined viewpoints concerning the permanency the way it will reabsorb.



Bust enhancement, no matter whether by surgical treatment or even bra, may add challenge appeal in addition to sexiness to a womans system.



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There are numerous forms of bras available on the particular nighties industry currently and many can also benefit breast augmentation. The word bra is usually short for the long run brassiere that has been produced by a This particular language word this means bodice.




Surprisingly, an original bras were being designed to restrain your busts as opposed to expand these nevertheless, the current model of this underwear item has been around pertaining to above over a hundred years, since the early on 1900s.Cushioned bras at some point became well-known as soon as girls identified the amount of more sexy they are able to glimpse by simply support the inside of their brassieres. For quite a while, ladies ended up filling their own bosoms with cells, natural cotton and also socks.




They are stuffed with often silicon or even a saline answer and so they appear in a variety of styles, shapes in addition to textures.A different healthcare intervention has to be body fattransfer. It isachieved simply by going adipose tissue in the tummy as well as lower limbs via liposuction, cleaning it then injecting the idea in to the breasts to generate a larger glimpse.Excess fat shift generally is a natural approach to shifting figure around ones human body, yet you'll find merged opinions with regards to their permanency since it will reabsorb.



Breasts growth, whether or not through surgical treatment or maybe bra, can include curve overall appeal and sexiness with a womans entire body.



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There are many different types of bras available on your nighties market place these days and a few can also assist with breast development. The saying bra is small for that longer term brassiere which has been resulting from the French phrase significance bodice.




Truth be told, the original bras had been supposed to restrain the actual breasts as an alternative to increase the size of these individuals nonetheless, the present day version in this underwear item has been around with regard to around a hundred a long time, considering that the first 1900s.Padding bras at some point grew to be favorite any time women found just how much more sexy they are able to seem simply by extra padding the inside in their brassieres. For quite some time, women of all ages were being stuffing their own busts having areas, organic cotton as well as socks.




The unit are generally filled with possibly silicone or a saline solution and they appear in a variety of sizing's, designs along with textures.An additional health care intervention would have been a excess fattransfer. This isachieved through moving adipose tissues through the stomach or perhaps lower limbs by way of liposuction, cleaning this and injecting the item into your boobies to create a more voluminous seem.Extra fat move can be a organic approach to transferring shape around kinds physique, nevertheless you'll find mixed thoughts concerning the permanency as it does reabsorb.



Teat augmentation, whether by means of surgical procedures or perhaps bra, may include challenge overall appeal and sexiness into a womans human body.



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There are many types of bras available on your corset lingerie current market currently and a few will even assistance with breasts development. Your message bra is usually brief to the long term brassiere that is based on some sort of France concept meaning bodice.




Contrary to popular belief, the initial bras have been meant to restrain this breasts as an alternative to expand these individuals however, the ultra-modern type of this underwear object has been online pertaining to in excess of over a hundred years, since first 1900s.Shock absorbing bras sooner or later started to be well-known when ladies found how much sexier they are able to seem simply by support the lining with their brassieres. For quite some time, ladies ended up filling his or her busts using cells, natural cotton as well as socks.




The product are usually filled with either silicone or possibly a saline alternative and so they occur in a number of dimensions, shapes in addition to textures.Yet another health-related intervention will be a weighttransport. This isattained simply by going adipose muscle in the belly or maybe thighs by using liposuction, cleaning the item after which it injecting this into the boobies to produce a richer appear.Excess fat move can be a healthy way of moving shape all around ones body, yet you can find put together viewpoints with regards to its permanency mainly because it does reabsorb.



Breasts development, regardless of whether through surgical procedure or maybe bra, can certainly add curve charm in addition to sexiness with a womans shape.



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There are many different sorts of bras available on the underwear market place right now and a few can even help with bust augmentation. The term bra is usually brief to the long term brassiere that was produced by any France expression that means bodice.




Amazingly, the main bras ended up designed to restrain the particular failures as an alternative to increase them even so, the current variation of the underwear piece has been around intended for over over a hundred years, because first 1900s.Shock absorbing bras eventually grew to become common when girls found out just how much saucier they are able to appear by means of underlay the interior of these brassieres. For countless years, ladies had been filling their busts along with cells, natural cotton and even socks.




The product are full of both silicon or maybe a saline option and they also come in a variety of sizes, shapes and textures.Yet another professional medical input is a fatmove. It isattained simply by going adipose muscle on the belly as well as thighs by way of liposuction, cleansing this and then injecting the item into the boobies to create a bigger search.Fat exchange can be quite a normal means of transferring shape about people physique, nevertheless there are mixed viewpoints about it's permanency since it does reabsorb.



Breast augmentation, no matter whether by medical procedures or bra, can easily add contour appeal in addition to sexiness with a womans human body.



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There are numerous kinds of bras on this nighties industry these days and some can also help with busts growth. The word bra is short for the long run brassiere that was resulting from a This particular language concept meaning bodice.




Believe it or not, the first bras ended up intended to restrain your failures in lieu of expand these people nevertheless, the modern version in this corset merchandise but has existed intended for around one hundred decades, considering that the earlier 1900s.Shock absorbing bras eventually grew to become common any time girls found simply how much more sexy they are able to look by simply padding the within in their brassieres. For many years, women of all ages were being ingrdient filling their particular busts using areas, silk cotton as well as socks.




These devices are usually filled with often plastic or even a saline alternative plus they appear in many different sizes, forms in addition to textures.An additional health-related involvement will be a body fatmove. That isattained by simply transferring adipose tissues from the mid-section or even upper thighs by means of liposuction, cleaning this and then injecting that into the boobies to generate a richer seem.Extra fat shift could be a normal means of relocating figure around ones system, yet you'll find mixed ideas in relation to the permanency the way it can reabsorb.



Busts development, regardless of whether by simply surgical procedures as well as bra, can certainly put contour charm and sexiness to some womans shape.



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There are many different varieties of bras available on the actual corset lingerie market place nowadays plus some can also assistance with teat growth. The saying bra is usually limited for the long term brassiere which was based on any This particular language word this means bodice.




Truth be told, the original bras ended up used to restrain the busts as an alternative to enhance these people nonetheless, present day model on this lingerie item 's been around pertaining to around one hundred many years, considering that the early 1900s.Padding bras gradually started to be well-liked any time ladies observed how much hotter they are able to glimpse through extra padding the medial side in their brassieres. For countless years, women have been ingrdient filling their own busts with tissues, silk cotton and also socks.




The product usually are filled with sometimes silicon or perhaps a saline alternative and they come in several dimensions, forms along with textures.An additional medical involvement has to be fattransport. This can bereached by simply transferring adipose tissues in the mid-section or perhaps upper thighs via liposuction, cleansing the item after which it injecting the idea into your chests to create a richer look.Fat exchange generally is a pure technique of going figure about types entire body, however there are merged thoughts with regards to it's permanency as it can reabsorb.



Teat development, no matter if by means of surgical procedure or perhaps bra, may put challenge overall appeal in addition to sexiness to some womans system.



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Over The Top and Over Budget, But Read On...

When you imagine your dream home (perhaps while taking a study break from finals?), do you envision an enormous and elaborate multimillion dollar mansion, complete with an indoor pool, a golf course, and a movie theater? Would you give your home its own title, like the $125 million Fleur De Lys Estate in Los Angeles or the $125 million Casa Casuarina in Miami? While a fantasy estate is only a dream for most, some builders are getting creative with their spaces. Up for sale right now (at exorbitant prices, of course) are homes pulled straight from a world of fiction that will make you feel like you're living on a movie set. And, leave it to the editors of Forbes, who recently pulled together a list of these over the top homes from around the world. We featured a few of our favorite's below...



1. The Hobbit Village-- Trout Creek, MT


It's hilariously relevant, given the recent release of The Hobbit movie, and it's absolutely adorable! Though it does come at a human size, the Hobbit village includes an elf communication center, a fairy house, and a troll bridge, all of which look like they come straight from JRR Tolkien's imagination. The Hobbit Village acts more like a hotel than a house you can buy. Guests can actually stay in the Hobbit Village overnight for $195/night or $1,365/week which is just slightly over the cost of one semester's tuition at Brandeis!!!

2. The Spaceship-- Australia

Calling all Trekkies-- This is the home for you! Built by a die-hard Star Trek fan, this modern mansion  is designed to look just like the Starship Enterprise spaceship from the show. While it probably wouldn't serve you too well in space, this home could make you the envy of all your sci-fi fan friends. This fantasy home does come with a price tag that sounds fictional-- it is selling for $10.5 million (roughly the cost of sending 177 student to Brandeis next year)! We assure you, however, that a real space ship will probably cost more

3.  Moated Fortress-- Homestead, Fl


Like a castle from a fairy tale, this amazing home will leave you feeling like royalty! Built in the middle of a private lake (which acts as the moat) this home is further guarded by a wrought iron gate and a sea of trees. It's grand entryway leads you to the enormous and sprawling manor, which looks like it belongs in a children's picture book. The price is listed at $10.9 million-- fire breathing dragon not included.


4. Global Earthship-- Phoenix, NM


This home can actually make you feel like you're living in a world of your own, because it takes you 100% off the power grid! Made completely out of recycled materials, this home works to be entirely eco-friendly. Even the food supply is independent and sustainable-- the home includes a vegetable garden, fruit trees, a chicken coop, a pool of tilapia, and various wild birds, so it can accommodate any dietary lifestyle. It is designed to look like a greenhouse, and everything from the roof to the fixtures looks futuristic and environmentally friendly. 


For a complete listing of all of these amazing fantasy homes, including castles, a guitar home, and a dome, check out the Forbes article on Strange Homes for Sale!


Best of luck on your finals and happy holidays!
 
Savvy Student  
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Tips for the Last Minute Shopper

With the stress of work, final exams, and papers, who has time to do holiday shopping? For all of you busy bees who forgot to place your orders online or who have not yet had time to get to the store, do not stress! Savvy Student is here to help! We have compiled a list of tips and information to help you last minute shoppers finish up your holiday shopping in style.


Buy a gift card!
Gift cards make great last minute gifts when you're not sure what to get. Although this idea may not seem personalized or creative, you can always add some personal touches to the presentation of your gift! Be creative and make a personalized card in which you can attach your gift card. Or buy a holiday-themed stuffed animal and secure the gift card around the arm or the neck of the animal with a piece of string or ribbon. You can find many gift cards for major retailers in your local grocery stores or department stores.



Buy a magazine subscription!
If you have a friend who loves to cook, he or she would probably enjoy a subscription to "Cook's Illustrated," or any other enjoyable cooking magazine. If you have a friend who loves to travel, maybe they would enjoy a subscription to "National Geographic." A magazine subscription can be a great gift for certain people. For gift presentation, you can buy the current issue of the magazine, wrap it up, and let the recipient know that there will be twelve more magazines coming to them with his or her new subscription. It is the gift that keeps on giving all year long!


Make a gift basket!
If you don't have time to place an online order or you can't think of a gift to buy, try making a personalized gift basket. All you will need is a basket, some creativity and a few inexpensive items.  If you have a tight budget, visit the dollar store. You can easily make a bath and body gift basket by purchasing travel toiletries from CVS, Walgreens, or other retail stores such as TJ Maxx or Target. You can even fill one with pens, notebooks, and stationary for your friend who enjoys writing. Think outside the box! Instead of filling a basket, use a planter for the person in your life with a "green thumb" or a bowl filled with candy and popcorn for the "movie lover." The ideas and possibilities are endless!


You can still order online from many major retailers!
Most online retailers promise a Christmas delivery as long as you place your order in time. The deadline for this Christmas delivery date is generally December 20th. Check the store's website under "shipping times" or a similar title in order to confirm the retailer's deadline. Click here for an article that highlights the worst stores to order from online for your last minute shopping needs.


Financial Tips
In addition to the ideas above, Savvy Student also has some tips to make sure that your last minute shopping is not a financial burden...
  • Try to avoid using credit cards during your spending spree. However, if you need to use a credit card, stick to the credit card with the lowest interest rate. Using only one credit card will help you keep track of all of your spending and it will help you save on interest.
  • Before you head to the stores, do some research online to compare prices and find the best bargains. Check out some of the great websites available for comparing shopping prices, such as Shopping.com, PriceGrabber.com, and NexTag.com.
  • For all of you iPhone users, there are some great apps for price comparison, such as "Save Benjis," "RedLaser," and "ShopSavvy."
  • Take advantage of free gift wrapping in stores and malls. This saves you time and money while doing your last minute shopping.
  • Create a budget for yourself and stick to it! The holiday season is not an excuse to spend more money than you can afford to spend. Be aware of how much you can spend and keep track of your receipts.


With all of these tips, we are certain that you will be able to have a stress-free and financially responsible holiday season.

Happy Holidays!
Savvy Student
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Finals Procrastination: Shopping Edition

Dear Savvy Student,

We are not trying to stir up bad habits, but amidst the craziness we know as finals, we are also getting very excited for the holiday season. this time of year is full of joy, sparkles, and best of all, presents. While we love to come home and get that VIP treament from our family that miss us so much, this is the time of the year to give back.

That being said, we are also still in college, which makes our holiday budget minimal. We know that you can only be enthused by your Organic Chemistry textbook for so long, so here is a fun little study break. Take a look at our Holiday gift guide. Here are some great websites with unique, budget friendly gifts and ideas for any one on your gift list.

Uncommon Goods

This is a great site for some funky gifts and stocking sutfers. UG offers great ideas for your mom, dad, sister, and friends that will mak ethe perfect holiday gifts. Check them out at: http://www.uncommongoods.com/

Savvy Student Favorite:

Ticket Stub Diary- $11
Apple APP Sore

If you have a tech geek in your circle of gift receivers, buying the an iphone, iPad, or Mac App would be an easy, fun way to surprise them. There are thousdands of interesting apps to choose from starting from as little as $.99! 




Magazine Subscription

Who doesn't love a gift that keeps on giving. There are thousands of magazines to choose from that will cater to anyone's interest. Browse through Amazon's magazine subscription with 1- year deals for less than $5!



The Holistic Gift

Of course, there are those people who just have everything, so what to do? Take advantage and give them something that will make you feel good and make them happy at the same time by giving them gifts that give more. Check out the Hunger Site or Rent Mother Nature and find the perfect gift for your friends or family. you can contribute to education causes by sending an Afghani girl to school or by leasing a crop share and helping sustain it for a year!




The Homemade Gift

If you're really ina rut, who doesn't love some homemade goods. Do some pintrest browsing and take an afternoon with a fun interesting recipe you find on Pintrest and cook away.


Savvy Student Pick:
Chocolate Caramel Pretzel Bark



Best of luck on your finals and Happy Holidays!!!!

Savvy Student





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6 Tips for Finding a Job

Dear Savvy Student,

Although election day is in the past and both of our promising candidates had comprehensive strategies to boost our economy, finding a job after graduation can still be a very difficult process. Since the unemployment rate is still so high, college graduates have been having a hard time finding a job right after graduation. Therefore, we did some research over here at Savvy Student and found a great article on Forbes.com talking with Daniel Schawbel, a "Forbes contributor and founder of Millennial Branding, a one-man research and consulting firm that focuses on so-called Millennials or Generation Y, aged 18-29." In the article, Schawbel outlines 6 things college undergraduates should do throughout their college career in order to guarantee a job after college.
Here is a brief summary of Schawbel's advice, as well as some of the ways we think you can implement his advice throughout your Brandeis career.

1.Create a LinkedIn Profile.

Schawbel suggests creating a LinkedIn profile as soon as you can, no matter how little experience you have had thus far. He explains that LinkedIn in is a great way to put your name out there and start expressing interest in a particular field you may want to enter into after you graduate. It gives you a good social media presence that most employers look at when reviewing job applicants.

We believe this is great advice for young professionals. LinkedIn is a great, easy way to build connections and find ways to enter a certain field just by connecting with people you know. The article states that only about 1/3 of college students have a linked in profile, so by creating one, you are already getting significantly ahead in the job hunt!

2. Establish a presence on WordPress or through your own blog.

As we stated before, having a social media presence in this day and age is very important when it comes to trying to find a job. Schawbel explains that it is important to have a blog to show employers your interest in their field or any personal interests you may have that you wish to write about.

We feel that a blog is a great way to exemplify your communication skills to employers as well as present them with your strong writing skills. At the same time, we do not feel this is a necessity for all career fields. For example, you are interested in law, an employer's top priority may not be looking at your blog. That being said, a blog is a great and casual way to show employer 'what you've got.'

3. Get an internship as early as possible.

This is a crucial component to finding a job! While 85% of students think an internship is important, only about 40% actually do an internship while in school. An internship not only gives you great work experience that your employers can inquire about, but it also gives you the opportunity to see if the career you are aspiring to have is really the right one for you.

Savvy student is a huge fan of internships! Many students tend to take on only local jobs, such as life guarding, to earn money, rather than pursue an unpaid job such as an internship; however, many internships now have a stipend offer or will pay a salary, and there are also many scholarships you can apply for to alleviate the financial burden of foregoing a paying job in order to take on such an opportunity.

4. Get creative about finding a mentor.

In the world we live in, networking is very important. While parents, family, and friends can be great  mentors, Schawbel says it is important to find a mentor in the field you are interested in. They can help you find interesting job opportunities and give you tips to being successful.

While LinkedIn is a great place to find such people, you are also on a college campus with faculty and staff who have had a lot of experience in an array of fields. We suggest setting up a meeting with a professor you really enjoy talking to so as to discuss your future job prospects and how to achieve those goals.

5. Use your school's career services.

YES! YES! YES! Schawbel suggests reaching your to your school's career center to connect your with alum and create your resume and cover letters for jobs you with to apply for.

This is a tip that we feel is essential to being successful at finding a job. Brandeis' Hiatt center is one of the best resources on campus, with so many options to get help. If you go to Hiatt, you can speak with an adviser about creating resumes, cover letters, and even practicing mock interviews. Hiatt has drop-in office hours all the time, and if you can't stop in, you may even chat with them online! Check out their website and all their wonderful services: http://www.brandeis.edu/hiatt/index.html

6. Join a professional development or industry-specific group.

A great way to be proactive on campus is to talk to other students interested in the careers you are interesting in. Schawbel suggests joining a group on campus that is related to the industry you wish to delve into.

Brandeis has over 200 student groups, and so there is a huge chance that you will find a group that specializes in your industry. You should browse through the student groups and get involved to get further ahead and get the job you really want!

For the full article click here. 

In addition to these tips, it is also important to remember to stay positive and not be bummed out if you don't get the job or internship or your dreams. If one door closes, another one may still open!

Good luck with the job hunt!
Savvy Student
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Study Abroad Financial Aid Info Sessions

Are you planning to go abroad but have questions about how to fund your trip? You're in luck! The Office of Student Financial Services will be holding three info sessions in the coming weeks about the Financial Aid aspect of Study Abroad. The sessions will take place on:
Monday, 11/19: 12-1 in Alumni Lounge

Thursday, 12/13: 11-12 in Levine Ross 1 and 2 in Hassenfeld

Monday, 12/17: 1-2 in Alumni Lounge 

See you there!
~Savvy Student
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Need a job? We're here to help!

If you want employment experience, networking possibilities, or even just some extra spending money, a part-time job is a great way to fulfill all of those desires while still completing your studies. Whether you are looking for an on-campus job, an off-campus job, or even potential internships, Savvy Student is here to help make you aware of a plethora of possibilities that are available to you!




  • On-Campus Employment
If you're looking for an on-campus job, there are certain steps you need to complete before you start working. All on-campus and off-campus Federal Works Study job opportunities are posted on our website. Before you begin applying you will need to register and create a user account. Once you find jobs you are interested in you will need to upload your resume and submit your applications. As there may be a number of students applying to the same list of jobs it may be in your best interest to follow up with a department by phone, email, or in person. Once you are hired you will need to complete the I-9 Form and turn it in to the Office of Student Financial Services. After turning in the I-9 Form, you will receive your blue card and you will be eligible to start working.

Helpful tip: If you want to find a job that caters to your specific interests, talk to faculty or staff members in the department in which you are interested. Building relationships is a great way to find a job that you will truly enjoy. You never know which Psychology lab or Sociology office may need a student worker!

  •  Off-Campus Employment
Many students who are looking for a part-time job do not think to search for off-campus options when sending out their applications. If you're wondering how to find off-campus job opportunities, the Office of Student Financial Services is here to help! SFS has a list of off-campus job opportunity postings that is constantly being updated, no matter what time of year it is. If you're interesting in finding a low-commitment tutoring job, a baby-sitting job, or even a job as a waiter/waitress at a restaurant, SFS has job postings that will interest you. Check out the list of job postings by clicking here!

Helpful tip: You don't need a car to have an off-campus job! There are some off-campus employers who are willing to travel to Brandeis or accomodate your traveling needs if they wish to hire you. Find out all the details before ruling out an off-campus job opportunity.

Helpful tip: Ask your friends about off-campus jobs they may have, especially if they live in the area! If you have a friend who may be going abroad, you might be able to take over their job. In addition to this, faculty or staff members that you build relationships with may know of job opportunities as well. Make sure to ask around and network.

  • Internship Possibilities
Although SFS doesn't handle internship opportunities in our office, there is a great on-campus resource for all students interested in finding an internship. This resource is the Hiatt Career Center. At Hiatt, there are counselors who are well-equipped to help you perfect your resume, write a great cover letter, and find internships that will make you excited to get off campus and get involved. Be sure to make use of this great resource!

Helpful tip: Before visiting Hiatt, try to have your resume, cover letter, and a list of internship opportunities available. The counselor can make better use of your time if you have some information and ideas ready before you have your appointment.




We may be more than half way through the semester, but that doesn't mean that you can't find some great job opportunities. The most important thing to do if you're interesting in finding a job is to make sure you take advantage of all of your options! Whether it is an on-campus job or an off-campus job, SFS has lots of postings available. Now it's up to YOU to apply!


Happy job-hunting!
Savvy Student
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Don't start swiping just yet...

With the first snow fall of the season occurring today, there is no doubt that winter is very quickly approaching. The beautiful winter wonderland outside reminds us that the holidays are officially here and that for many of us, we will be tirelessly swiping our credit cards in order to celebrate a joyous holiday season. However, before you begin pulling out your credit cards, you may want to read the latest information we've found on which credit cards you do not want in your wallet, especially during the season of superfluous spending.

According to Time.com and a study conducted by Cardhub.com, these are the five credit cards you should be sure to avoid...

  • Visa Black Card - The Visa Black Card seems very similar to other "black" cards, such as the American Express Centurion. However, as Time.com reports, "It comes with a hefty $495 fee — and you don’t really get all that much for your money, according to CardHub, which labels it the worst general consumer credit card for rewards among the 1,000-plus it evaluated" (Time article).  In addition to this, the card offers one point per one dollar spent while many other cards offer two points per every one dollar spent.
  • Best Buy Reward Zone Credit Card - While it generally isn't a great idea to invest in retailer-issued credit cards, this particular card is especially bad. Along with the usual low credit limits and high APRs associated with most retailer-issued credit cards, the Best Buy Reward Zone Credit Card has apparently burdened people with massive amounts of accumulated interest for years. According to Time.com, "The APR... default rate is 29.99%" (Time article).
  • UBS Preferred Visa Signature Credit Card - Similar to the Visa Black Card, this card has a $495 per year fee and, according to Cardhub.com, "This card has the highest introductory balance transfer APR — 9.99% — of all the cards it evaluated, and it also charges a separate 3% balance transfer fee" (Time article). Despite its benefits of having no foreign transaction fees and accelerated rewards on gas and groceries, these pros do not outweigh the clear pitfalls of this card and these perks can be found with many other credit cards.
  • Apple Barclaycard - Although many, many people love Apple and all of its revolutionary and entertaining products, the Apple Barclaycard is not as revolutionary or as wise of an investment. According to Cardhub.com, "The current APR on this Visa card, which is issued by Barclays, is a variable 22.99%, even if you have stellar credit. Like the Visa Black card (also issued by Barclays), the penalty rate on this card is a whopping 30.24%" (Time article). Though the card offers many "perks," all of these perks are widely used by other credit cards.
  • First Premier Bank Gold Credit Card - Many Cardhub.com experts flagged this particular credit card as being a bad choice for any consumer. The APR is an aggregious 36%, and in addition to that payment there is still an annual fee to pay. While many who do not have good credit scores may see this as a viable option because it is easier to achieve, the experts at Cardhub.com do not recommend this card: "It even charges cardholders a “credit limit increase fee” of 25% of the amount of the increase. Even if your credit is poor, you can likely do better" (Time article).

There are many scams and bad deals waiting for all of us out there, especially during the holiday season. However, if we take the time to educate ourselves and become more financially literate, we can avoid these money-eating options and have a happy and affordable holiday season!

Happy shopping and happy holiday season!
Savvy Student
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Staying Financially Safe After the Storm

This weekend, Hurricane Sandy hit several states along the east coast, causing heavy rain, wind, and even snow in Virginia and West Virginia due to the fact that the hurricane combined with a Nor'easter. New Jersey and New York have seen particularly severe and costly damage-- The New York Daily news reports that New York City alone suffered $20 billion worth of damages as a result of the hurricane. Along the coast, individuals are now dealing with both public and personal damages.

The storm has now passed, and disaster relief is key. Even though the physical danger is primarily over, financial danger is becoming a major issue as scammers inevitably take advantage of natural disasters. We at Savvy Student hope that Hurricane Sandy didn't affect you too much, and our thoughts are with those who were hit hard by the storm. We hope you check out these tips from Time magazine on how to avoid getting scammed during the disaster relief process--  http://business.time.com/2012/10/31/avoid-getting-scammed-in-sandys-aftermath/?iid=biz-main-lead.

Best wishes,
Savvy Student
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The Benefits of Being a Student


Getting off campus is never an easy or budget friendly affair. From the time it takes to find a place to go to finding a way to get there, the whole outing can be very stressful and difficult to accomplish a midst a week of schoolwork on campus. At the same time, staying on campus without leaving for a long time can get old and boring, so what is one savvy student to do, you ask? Well, we did some research and found a variety of places around Waltham that offer great weekday specials to get you through to the weekend  Take a look and try something new this week!

Monday:
What better way to get over the weekend blues than to get your wings on? Joco’s on Moody St. is serving $.25 wings all day every Monday! Just imagine how much you can eat with just $5 dollars while enjoying a fun, relaxed atmosphere at this local favorite.

Tuesday:
Tuesday brings in a double whammy of savings with not only dinner, but a movie as well. Asian Grill on Moody St. is offering half-priced sushi, which means you can get your favorite spicy tuna roll for just $2.50! To make your Tuesday even better, go across the street and take advantage of Waltham Theater’s $6 movie Tuesday. Can you believe this? You can take someone out for dinner and a movie for less than $10.

Wednesday:
American on Monday, Asian on Tuesday, so of course, we’re going Mexican on Wednesday at Margarita’s on Moody St. Every Wednesday, Margaritas offers one free entrée to every two students that come in with a student ID. This means that your friend can order a burrito and you can order a taco all for the price of one burrito. Who said there were no free meals out there?

Thursday:
Although we’re getting close to the weekend, Thursdays are a good time to unwind to get you ready for Friday when you can really get out there and have a fun weekend. Spend it at Chateau, a wonderful Italian family restaurant where you can get appetizers for $7 before 7 PM. This place is famous for the baked ravioli appetizers!

Friday:
We have come full circle on Friday by going back to Joco’s for FREE wings between 4-6 PM. No better way to say TGIF!


Hope you enjoy these weekly specials and always feel free to tell us if you come across a new deal!

Savvy Student

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Cheap Plane Tickets

Headed home for Thanksgiving break? Need to book a flight for vacation? The RetailMeNot Insider recently posted an article on tips for getting cheap plane tickets.

Some of their best tips are:
-Book tickets early...but not too early: For domestic flights, the lowest average ticket price occurs 21 days before departure. While for international flights, the cheapest flight price is 34 days prior to departure.
-Booking at the right time and day of the week can save you serious $: Early mornings are generally the best times to book since inventory is marked down overnight. Additionally, Tuesdays are the best day to book for flights since they are typically the most unpopular day to search for flights, since it's after the weekend rush, so you're more likely to find a cheap flight.
-Stopovers: If you would like to visit multiple cities,  you can pay a small fee to extend the duration of your layover, so you don't need to book multiple flights. So for example, if you are traveling from Boston to Miami, and would like to stop in DC on the way, you could just extend your layover in DC for a few days.
-If possible, try flying on Tuesdays, Wednesday, or Saturdays, since flights are cheaper then. You avoid the Sunday rush on returning flights, and you avoid business travelers who typically leave on Mondays.

The article, also mentions some good resources for cheap tickets:
-Matrix Airfare Search finds the lowest priced tickets, although you can't book them directly on the site.
-Priceline.com: Name your own price on this site, and although you won't know the airline company or the arrival/departure time until after you book, but you can save a lot of money booking this way

For more tips and to read the full article, click here.

Bon Voyage!
Savvy Student
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Sweet Tooth Tips

With the month of October in full swing and Halloween quickly approaching, it is officially candy season! Whether your sweet tooth is craving chocolate bars or hard candy or lollipops, Savvy Student wants to help you satisfy your cravings without breaking the bank!

Here are some tips on how to spend less on your candy this Halloween season!

  • Try buying your candy online!
    Websites like orientaltrading.com offer fantastic deals so that you can spend less and get more. Oriental Trading has holiday-themed options that are perfect for the Halloween season. *The one caveat to this option: Make sure you buy in advance so that your candy has enough time to be shipped to you!
  • Use discount warehouses!
    If you have a COSTCO or BJ's membership, buy your candy in bulk from one of these warehouses. These warehouses also offer a variety of options for buying in bulk. Are you craving a huge jug of twizzlers? You can certainly get a good deal at COSTO or BJ;s!
  • Pay attention to price!Popular candies like Reese's and Hershey's may seem like the obvious choice for candy this season. However, there are many different options that can end up being much cheaper! Check out this interesting article we found on the cheapest popular candies available.
  • Look for deals!Pay attention to deals and discounts that stores might be offering on Halloween candy. As the holiday approaches and stores become overstocked on Halloween-themed candy, more and more deals may become available on your favorite Halloween candies.
  • Be weary of dollar stores!
    Although the idea of getting "candy in bulk" for just 99 cents is tempting, sometimes these deals aren't as sweet as they seem. These packages generally have less candy then you may think. In addition to this, try to avoid candy made in China and stick with American brands. Good dollar store brands to search for are products made by the Tootsie Roll company and Palmers.

Now that you can make your Halloween costume on a budget and buy your candy for cheap, Savvy Student trusts that you will have a safe, fun, and afforable Halloween.

Happy trick-or-treating!
Savvy Student
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Halloween DIY Costumes

With Halloween just around the corner, Savvy Student has come up with a scary good list of DIY costumes that are sure to be a hit this year. As these are mostly homemade they will likely save you both time and money, so it's a win, win!

Some of the best costumes we thought of had to do with pop culture, events, and news of 2012.

- Olympic Spirit: Get a group of people together and be the Fab 5: All you need is a  gymnastic leotard and a ribbon around your neck with your very own "gold medal!" The more Team USA spirit you have the better! You could also dress up as Michael Phelps, Ryan Lochte, or Usain Bolt.

-Politics: In light of Mitt Romney's recent debate gaffe, you can be Big Bird, or even Fired Big Bird. You'll need to wear all yellow, get some yellow boas, and some orange knee socks. If you have friends that are also looking for costumes, there are plenty of Sesame Street characters you can be: Elmo, Cookie Monster, or even Oscar the Grouch!

-2012 in TV: Reality TV has also offered up some good costume ideas: TLC's Toddler's in Tiara's has created some great costume options. All you need is a dress, a crown, and a pageant sash. You can also go pageant girl specific, and dress up as Honey Boo Boo Child!

-Movies of 2012: 2012 has been quite the year for movies. Try dressing up as  Katniss Everdeen from the Hunger Games, or a super hero from The Avengers, including Iron Man, The Hulk, Thor, or Captain America. For example, for the Hulk, you would just need to wear green tights, a ripped shirt, and purple shorts. Other popular movies were The Dark Knight Rises, The Amazing Spider-Man, Men in Black, The Lorax, and Magic Mike, which all offer up some great costume ideas.

-Pop Culture: You could also dress up as some of the most prevalent pop culture references of 2012 such as: Tan Mom ( think orange face paint and lots of make up), love birds Kim Kardashian and Kanye West, or Snookie and her baby.


Whatever you choose, Savvy Student wishes you a fun filled Halloween!
Savvy Student

Check out more costume ideas:
http://www.huffingtonpost.com/2012/09/20/women-halloween-costumes-2012_n_1901424.html#slide=1549377
http://philadelphia.cbslocal.com/2012/09/17/top-adult-halloween-costumes-for-2012/
http://caldwells.patch.com/articles/what-are-the-most-popular-costumes-for-halloween
http://www.huffingtonpost.com/2012/10/01/halloween-costumes-2012-pictures_n_1929161.html?utm_hp_ref=comedy#slide=more253109
http://holidays.thefuntimesguide.com/2005/10/costumestomake.php#FunnyHalloween
http://pinterest.com/worlds/2012-halloween-ideas/
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Protect Yourself from Online Predators

With the holidays approaching, your online activity may be on the rise. Whether you are seeking a good bargain, shopping for presents, gathering ideas or even looking for ways to earn extra cash, Savvy Student wants you to be on the lookout for scams and online predators.

In a recent post we spoke about identity theft and ways to protect yourself, as it is way easier to be proactive than to handle the clean up after you have become a victim. Now, we want you to be aware of what can happen online as we approach the holiday season. And sure, you might be thinking, "I would never believe that an Egyptian King has left me $1.3 million", but online predators can be very savvy and you may not recognize their tactics right away.

When reviewing emails, if your spam filter did not do the work for you, a surefire way to know you should be cautious is when the "To:" line is sent to "undisclosed recipients".  Send those emails to your spam and trash folders right away.

Even though you have heard it multiple times, always remember that if it is too good to be true, then it probably is. The same holds true when shopping online, looking at Craigslist, and searching for part-time jobs. Hind sight is 20/20, but one piece of advice is to be aware of individuals looking for your account information or those wanting to send payment via money order. If you are buying or selling items online be sure they are paying you with cash or that you are using a payment vendor like Paypal. If it is an online purchase be sure to check out the company's entire website to see if they are associated with the Better Business Bureau or that they are a legitimate organization. Just recently, we were reviewing a website for a company that was offering a scholarship; however, the ".org" site that the flier referred to quickly changed to a ".com" site in the web browser, so we opted not to post that information, as it was quite questionable.

In the job market, always do your due diligence. If you see an ad for a job that you are interested in, be sure to look at all of the details. If the ad is for babysitting, see if you can get an address and use Google Maps to verify the location and residence. If the job posted is for a personal assistant or other company, be sure to look them up online and see if you can get references or reviews. If you are unable to locate information online, don't be afraid to request references or ask questions of your potential employer. Also remember, if you are looking for a job, it is to make money, not lose it- right? If any employer asks you to spend money, buy in to something or wants/needs you to transfer money somewhere, that is your red flag to walk away.

Your first focus at Brandeis is school, but while you are here, we at Savvy Student want you to be safe and be aware of what's around you and what may be happening right in front of you. It can be easy to fall victim to online predators, especially if you are not looking for or expecting it. However, if you equip yourself with the right information you'll be able to spot these scams right away and avoid a whole host of issues.


~Savvy Student
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Defending Against Identity Theft

In an increasingly digital world, privacy seems to be getting easier to maintain, right? No more paper bills to shred, no more paper mail that could be tampered with... wrong. The internet is positively the most dangerous place to risk your personal information, and what with Facebook publicizing everything about you, down to your birthday and hometown, your identity is in more danger now than ever. For skilled identity thefts, your full birthday and full name are all that is required to begin snagging bits of your financial information or retrieve personal data about you. According to Javelin Strategy & Research, nearly 12 million people fall victim to identity theft each year, and that value is actually a 13% increase from 2011 statistics!

Your financial information is precious, we know. In order to help you maintain a secure lock on all your personal data we here at Savvy Student have a detailed list of MUSTS for your identity safety. To begin, always air on the side of caution and be aware when dealing with any websites that require your personal data. Many sites are not safe or do not provide secure links and thus tricky identity thieves can easily take advantage of mistakes you might make! Please review the list below and keep in mind that gaining back your identity, if it has already been stolen, is a much, much more difficult, lengthy, and stressful process than following these simple steps to protecting yourself proactively!

1) Password protection: not only should you use passwords to protect your computer, your files, your phone, and all online accounts (if they don't already require you to have a password), but you should also change these passwords frequently! Some websites advise changing passwords for electronic devices every 72 hours, but if you have a weak memory, that might be a bit harsh on the brain. Changing passwords for all accounts and devices should definitely be routine every 3 months, however. Furthermore, your electronic devices and online accounts should have different passwords... having the same password for every account associated with you is a sure way to become an identity theft victim.

2) Check your credit report annually! By visiting www.annualcreditreport.com you will be able to review your credit history for free from the three credit reporting agencies: Transunion, Experien and Equifax These credit reports can include indicators of possible "fishers", or suspicious transactions or hacks onto your account that can be associated with identity thieves.

3) Require Photo ID. On your credit and debit cards, rather than signing the back of the card, you can write "See Photo ID" and the employee completing your transaction is then required to ask to see ID to confirm your identity before they swipe the card. In this way, anyone using your card will be caught committing fraud, and your money will be protected.

4) Destroy all digital and hard data. Shred everything! Paperwork of transactions that have been completed, paper statements dating 10 months previous or earlier, and any documents that you don't need to keep that have personal information (SSN, license #, birthdate, etc) recorded should be destroyed efficiently. Furthermore, if you've kept email confirmations or downloaded online bank statements, if these files are not protected, you should delete them permanently from the harddrive because files that sit on a computer or online account become vulnerable to hacking. Please be advised that IRS tax returns do not fall under this category. If you have filed a return you should hold on to your paperwork for up to seven years, just be sure to keep it in a secure location.

5) Protect your SSN. Your social security number is the key to your identity. If an identity thief gets hold of that information, all other information pertaining to you will be compromised. Do not carry your social security card around in your wallet with you EVER. Also, do not ever record your SSN online when asked or prompted. It is extremely unsafe and unreliable to ever divulge that information.

Following these 5 steps is a sure way to secure and safelock all of your personal information from identity thieves! If you want more information pertaining to identity theft and protecting yourself against vulnerability, check out the links below and do some extra research! Remember, it's your identity, and your security.


http://gpluspro.hubpages.com/hub/Identity-Theft-Statistics-2012


http://netsecurity.about.com/od/newsandeditorial1/a/aaidenttheft_2.htm


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Do You Know What You Owe?

Student loans are an inevitable part of our college experience, with the price of a good education rising at a rate of 4.3% per year (U.S. Department of Education's National Center for Education Statistics). Whether for undergraduate expenses or to help pay for graduate school, loans are most likely going to be a factor in your financial aid experience. There are federal and institutional loans, unsubsidized and subsidized loans, fixed interest loans and variable interest loans... the list goes on.

However, don't fear! Savvy Student has made understanding your loans and managing your money easy by compiling all the need-to-knows about loans. The fine print can seem a bit tricky, but here at Savvy Student, we have summarized the most important facts about your loans to help you stay on top of your finances.

First and foremost, every student should be aware of the total they are borrowing and who they are borrowing from-whether it is from a private lender, a Federal loan from the Department of Education or an Institutional loan from Brandeis. It is your responsibility to keep track of the accruing interest and total amounts of each loan, Also, be sure to know the basics of your loans, including the exact interest rate(s), billing cycle and grace period. Through Sage you are able to "View Financial Aid Information" and review a tally of all the awards and loans you've received while at Brandeis.

Secondly, keep in mind that repaying your loans, while a necessary hurdle to any graduated student's financial life, is a surprisingly flexible process. If you ever get confused or worried that you are not understanding the terms of your loans, know that there is additional assistance! You should keep in touch with your loan servicer. A loan servicer is a company that handles the billing and other services on your federal student loan. The loan servicer will work with you on repayment plans and loan consolidation and will assist you with other tasks related to your federal student loan. It is important to maintain contact with your loan servicer. If your circumstances change at any time during your repayment period, your loan servicer will be able to help. Here at Brandeis you have the luxury of being able to contact our Assistant Director of Student Loans, Steven Doona. Steven is your go to guy for any questions related to student loans. He may not be able to help you with regards to private loans, but he will be able to answer questions regarding the Stafford and Perkins loans, Brandeis, Saval and Wien loans.

Also, when completing entrance counseling for your loans, take note of any special circumstances that may apply to you and work to your benefit. See the link below for details about special circumstances and loan repayment. For example, loan debt can also be forgiven, cancelled, or discharged; in other words, if you fall under certain circumstances, you may not be required to pay back your loans.

http://studentaid.ed.gov/repay-loans/deferment-forbearance

Please note that even if you do not complete your education, you must still repay any loans that you have taken out (unless the following circumstances apply to you).

http://studentaid.ed.gov/repay-loans/forgiveness-cancellation

If you are not fortunate enough to have your loans forgiven or deferred, the next step after graduation is to set up a repayment plan. Important factors to consider include your cost of living (rent, food budget, utilities expenses, etc), your income, and any assets or funds you may have set up to save for repaying loans. Below is a chart that details several types of plans and what monthly payment would be required to repay the loan debt. Be sure to read through the chart column "Quick Comparison", which identifies the pros and cons of each type of plan compared to the others on the list. For example, the standard plan has a lower interest rate over time, but the graduated payment plan allows smaller amounts to be paid initially, followed by increased payments over time (for example, if your salary is one that receives an automatic increase per year, you may want to pay more over time to complete your loan repayment sooner than a 10-year standard plan).

http://studentaid.ed.gov/repay-loans/understand/plans

Now, with all this inside knowledge, you can relax! Loans can be stressful, but only if you don't know what you owe.

~Savvy Student

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Consumer Caution

Now that school is back in session, the holiday season will be upon us in no time at all. However, that means holiday shopping is looming on the horizon, and retailers are already preparing their planned attack on consumer wallets.

First and foremost, the rave behind Apple's new iPhone 5 will be sure to cause pockets to empty in the upcoming months. Apple has made it a habit to release its new products just ahead of the holidays so as to entice purchasers to spend extra dough on that "special item" for a loved one. Or, in a much more simple sense, Apple's relentless flow of new, expensive gadgets calls for tech-lovers everywhere to jump in-line at the local Best Buy or Apple store whenever a new product is rumoured to be released. However, one should be cautious by this advertising: items that are labeled to be "must haves" usually are marked up on the shelves. Furthermore, their value drops steadily from the date of retail release, so buying any product a few months after it has been released is a much wiser option. Additionally, by waiting patiently for a reduced or sale price, one can also do research about the actual quality of the product. The iPhone is a great example of a device that gets a lot of attention for a few new features but lacks in lasting impact, because every iPhone is more or less the same, run off of the same operating system and with all the same apps available. Cautious buyers should develop patience, rather than try to snag the newest item ahead of the sales period for this very reason!

Apart from Apple products, other companies and stores have a way with luring customers to spend big bucks during the holiday season. Major department stores, such as Macys, often act aggressively towards generating holiday spending by sending out large volumes of catalogues, flyers, sales coupons, and deals-inserts. Newspapers are chock-full of "the latest" bargains that will be emerging at the local Kohls, JC Penney's, Macys, and more, and it is quite obvious that retailers are expecting a slow sales year for the upcoming holiday stretch. Be aware that better bargains come to those who wait, so buying now to save later might not be the best strategy.

So in the next coming months, as you will no doubt be flooded with coupons and advertisements, be wary. Try to stay away from product hype and the latest bargains, instead looking at good quality products that are worth the bang for your buck!

Check out this Time article for more information on upcoming email marketing efforts!

Happy Shopping!
Savvy Student
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