Are You Ready to Make the Pledge?

After a month of facebook posts, tweets, and blogs dedicated to financial literacy and responsibility, all of us here at Savvy Student would like to leave you with one question...


Are you ready to make the pledge?

What do we mean? If you have found any of the information we have provided compelling and you would like to accept responsibility for creating a better financial situation for yourself, you should visit the official Financial Literacy Month website to make the pledge today!

We have listed the criteria below...

1. I will make informed financial decisions, understanding the difference between wants and needs. 
2. I will communicate with my family about money matters so that we are all working toward the same goals. 
3. I will be aware of the effects of advertising on the financial decisions I make, and resolve not to be influenced by them. 
4. I will take care of my finances today by tracking expenses and creating a budget that is flexible and realistic. 
5. I will take care of my finances tomorrow by saving for my future. 
6. I will meet the credit obligations I have made on time and as agreed. 
7. I will continue my personal education about financial health, budgeting, credit, and personal debt. 
8. I will plan for periodic expenses, including the next holiday season. 
9. By good example, I will teach my children the importance of budgeting, saving, and the wise use of credit. 
10. If I am over-obligated, I will take the necessary steps to seek assistance. 

*List of criteria provided by the Financial Literacy Month website.*

With just a few clicks, you can make a promise to ensure a happy and healthy financial future. We hope that you have enjoyed our month of financial literacy education and we hope that you took away at least one useful piece of information.

Your friend and informant,
~Savvy Student

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Surprisingly, the initial bras were intended to restrain the busts as an alternative to increase the size of these individuals nevertheless, the ultra-modern type in this corset product has been online for around hundred decades, since the early on 1900s.Cushioned bras eventually grew to be favorite as soon as girls identified just how much volumptuous they might seem by support the inside in their brassieres. For several years, ladies had been ingrdient filling his or her bosoms together with tissues, 100 % cotton and in some cases socks.

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Truth be told, the original bras were designed to restrain the breasts as an alternative to increase these individuals however, the ultra-modern type of this lingerie merchandise but has existed with regard to above one hundred decades, because the earlier 1900s.Cushioned bras eventually started to be popular whenever girls found the amount of sexier they might look by simply extra padding the inside in their brassieres. For quite a while, girls have been padding the busts using areas, silk cotton and in some cases socks.

They are filled up with often silicone or a saline option and so they arrive in a variety of sizes, styles and textures.Another medical input is a extra fatshift. This isaccomplished by simply transferring adipose cells from the tummy or maybe thighs by using liposuction, cleansing this after which injecting the item into the chests to generate a fuller search.Extra fat exchange is usually a organic way of relocating shape all-around kinds system, nevertheless you can find mixed views about it's permanency mainly because it can reabsorb.

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Loan Literacy 101

Our fourth blog for National Financial Literacy Month is all about the confusing world of student loans. Read on for some helpful information and tips for managing your debt once you graduate!


Loan Literacy 101

Understanding student loans can be a very challenging task. With so many different types of loans, interest rates, grace periods, and other miscellaneous loan information, it is completely understandable to feel overwhelmed by your student loans. However, student loans do not need to be scary or intimidating! In this blog, we will give you a quick overview of the most common federal loans that Brandeis students receive and we will help you start planning your debt payment so that you are not caught off guard after graduation.


Common Loans

Federal Subsidized Stafford Loan

Does NOT accrue interest while student is in school

Fixed interest rate of 3.4% (2012-13 academic year and subject to change every year)

Grace period: 6 months

Federal Unsubsidized Stafford Loan

Accrues interest while student is in school

Fixed interest rate of 6.8%

Grace period: 6 months

Federal Perkins Loan

Interest: Does NOT accrue interest while student is in school

Interest rate: Fixed interest rate of 5%

Grace period: 9 months

Debt Payment Planning

Loan FAQs

• You are required to complete entrance counseling at the beginning of your undergraduate career  and sign the Master Promissory Note. Likewise, you are required to complete exit counseling at the end of your undergraduate career.
• Monthly payments are determined by each specific loan holder.
• Most private loan interest rates are determined by your credit score.
• Depending on your situation, you may wish to consolidate your loans. If you are interested in learning more about loan consolidation, check out this pros and cons list!

Student Loan Calculator

We have found a student loan calculator from higherone.com that is a great resource to estimate your monthly student loan payments. Although this is only an estimate that will give you an idea of what your monthly payment might be one you have completed your schooling, it can be a great planning tool. For example, you can use this tool to make sure that your monthly payments are "less than 10 percent of your monthly salary in order to comfortably afford them" (HigherOne).

When you take the time to learn about your student loans, your future payments do not seem as daunting or scary as you may have previously believed. With proper planning and access to information, we can all have a better grasp on our personal finances. This is why Savvy Student so adamantly celebrates National Financial Literacy Month. We want YOU to be responsible for your own finances so that you can have a stress-free life after graduation.

Stay calm and collected!

~Savvy Student

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Contrary to popular belief, an original bras were being designed to restrain the particular busts as an alternative to expand all of them however, the modern variation of this nighties object has been online intended for more than 100 many years, since the early 1900s.Padded bras gradually evolved into popular whenever women identified the amount of more sexy they are able to seem simply by extra padding the lining of their brassieres. For several years, girls have been filling the bosoms having cells, 100 % cotton as well as socks.

The product are usually filled with both silicon or possibly a saline option and so they appear in a variety of sizes, forms in addition to textures.Another professional medical treatment will be a weightmove. This isattained simply by going adipose muscle from your tummy or maybe lower limbs by means of liposuction, cleaning that after which it injecting that into the bosoms to make a richer look.Excess fat transport could be a natural approach to going curves about types entire body, nevertheless you will find put together ideas concerning it is permanency the way it has a tendency to reabsorb.

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Surprisingly, the first bras ended up meant to restrain this breasts as an alternative to increase all of them nevertheless, present day type in this corset lingerie product has existed pertaining to over a hundred many years, since the early 1900s.Padded bras at some point became favorite whenever girls found the amount sexier they are able to show up by padding the inside of the brassieres. For many years, women of all ages ended up filling their particular busts along with flesh, 100 % cotton and also socks.

The product usually are loaded with either plastic or even a saline option plus they come in a number of dimensions, forms along with textures.Another health-related involvement has to be extra fattransfer. That isattained simply by moving adipose structure through the tummy or lower limbs by using liposuction, cleansing this after which injecting the item into your breasts to manufacture a more voluminous search.Weight exchange generally is a normal means of moving curves all around versions human body, yet you'll find combined thoughts regarding their permanency since it has a tendency to reabsorb.

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Better Nutrition With Homemade Soup By Gretchen Scalpi, Rd, Cde

Many of my clients tell me how much they like having soup for lunch in the colder months, but most of the time, they name off various brands of soups bought at the store. Don't get me wrong: many commercial soups are great options for the calorie conscious. The problem with canned soups, of course, is the sodium content. Some products have an excess of 1,000 mg of sodium per serving. To my way of thinking, this is far too much salt for one simple food item. So while it's easy to turn to grocery store shelves for your lunchtime soup, consider making your own soup.

The beauty of homemade soup is that you can literally take any basic soup recipe and modify it based on ingredients you have on hand. You can make adjustments and get the sodium content reduced without foregoing good taste. Most soups start with a stock, broth, or a vegetable base. You can make your own stock if you have the time, but starting with a ready made broth can cut down on preparation time. If you buy ready made soup broth, I recommend that you read the labels carefully. Regular broth will make your homemade version of soup just as high in sodium as canned soup. The low sodium versions of broth have sodium too! I found that most of the "low sodium" brands of broth had close to 500 mg. sodium per serving. This is still too much if you are sodium conscious. I found several organic low sodium stocks with just 140 mg. per serving, so it pays to look around.

If you want to try making homemade soup for your lunches, here's an idea: make one batch pot of a different soup every week. Keep enough of the soup on hand for one or two meals, and then freeze the rest in smaller containers, preferably 1-2 portion containers. If you make a different kind of soup each week, you will soon have a "selection"of different soups in your freezer that you can choose from for a quick lunch or dinner meal. Take a single serving of frozen soup to work and you'll have a nice healthful meal ready to heat up.

Here is my favorite vegetable soup recipe:

Vegetable Barley Soup

2 Tb. olive oil

1 cup chopped onion

1 cup diced carrots

12 oz. fresh mushrooms chopped

1/2 cup barley (use pearl or hulless barley)

6 cups low sodium beef, chicken or vegetable broth

1/2 tsp coarse salt

2-3 cups chopped spinach, kale or Swiss chard

Heat oil in large pot and saut? onions and carrots until tender. Add mushrooms and cook for another 2 minutes. Add barley, low sodium broth and salt. Bring to a boil, and then reduce heat to simmer until barley is done. (Pearl barley takes about 40 minutes; hulless barley takes about 60 minutes to cook). Add chopped greens and cook for an additional 5 minutes. Serves 6.

? 2013 Gretchen Scalpi. All rights reserved. You are free to reprint/republish this article as long as the article and byline are kept intact and all links are made live.

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Cookie Making Made Easy My Busy Mom Method By Chris Rawstern

In the early 1970s, when I was very young and with small children to care for, I had a few cookie recipes I would make very often, because they were simple recipes, with ingredients I usually had at hand. Cookies are a terrific snack, don?t require utensils to pick up and eat and can be made ahead for a party. However, even with all that, they are just not my favorite things to make, because they need to be made either by dropping individually onto the baking sheet, rolling out and cutting (making a mess on the counter and more cleanup), or the often added step of having to chill the dough before working. I like immediacy. I want to mix up a recipe, bake it, clean up and be done.

One morning I made a batch of these cookies, finally popped the last pan in the oven, and set the timer. Itching to get outside for a bit and see what the children were doing, I went out and got distracted. By the time I remembered the cookies in the oven, they had burnt and shrunken down to tiny little black hockey pucks - not even the dogs had any interest in them! It pays not to get distracted when baking. This was the last straw. I had to think of a better way.

I came up with a brilliant idea that I call my Busy-Mom-Method one I use to this day. Rather than take the time to make all the individual cookies by batches, with separate baking times (and time to get distracted), I would roll the cookie dough directly onto a greased baking sheet, working it evenly to the edges and baking it as one large cookie. It is best to use a baking sheet that has three open sides, as it is simpler to maneuver the rolling pin and get the cookie rolled evenly. Keep in mind also, that a little more flour may be needed in the dough to allow for lifting it out and forming into a rough rectangle for rolling. Also, a little extra flour over the surface while rolling helps to keep the rolling pin from sticking. Try not to add any more flour than absolutely necessary, or the cookies will come out denser and harder.

It takes a few minutes more in the oven with one large cookie, but it comes out perfectly. Just watch for the edges to be golden, and the center to be set. With these cookies, I also make a simple icing that is just 1 1/2 cups of confectioners sugar, a pinch of salt, 1/2 teaspoon of vanilla and enough water or milk to make a relatively thick consistency (very slow to fall from the spoon). Spread this over the hot cookie straight from the oven. The hot cookie warms the icing, making it melt and spread easily, using the back of the same spoon I used to mix the icing. I am all for less cleanup! Once the cookie cools, the icing dries and hardens, and I just cut the large cookie into small bar or square shapes, and voila, cookies in half the time. Two of my favorite recipes for this method were Hermits and Simple Vanilla Cookies. If you are a busy mom, try this method with any simple cookie dough. The Hermit cookies had raisins in them, but the thickness of the dough was no less than the thickness of the raisins, so it still worked well.
Simple Vanilla Cookies

Makes about 7 dozen

1 cup unsalted butter
2/3 cup sugar
2 teaspoons vanilla extract
1 teaspoon salt
2 eggs
2 3/4 cups all-purpose flour

Cream butter, shortening and sugar. Add vanilla and salt. Add eggs, one at a time, beating well after each. Stir in flour, mixing well. Drop from a teaspoon 2 inches apart on a greased cookie sheet. Flatten with floured, flat-bottomed glass. Bake in a 375 degree oven for 8 to 10 minutes. Remove immediately from pan.

These Simple Vanilla Cookies are incredibly good, from such a simple recipe. Don't take my word - try them out, either as individual cookies, or with my busy-mom-method.

Thank you for taking the time to read my article. I hope it was informative and helped you along your own culinary journey. You will find many more recipes and helpful tips on my web site. I am on Facebook at A Harmony of Flavors and share a recipe or tip each day to the fans that have liked my site. I hope to see you there soon.

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Electrical power varieties of bras available on the actual corset lingerie market currently and a few can also assist with breast augmentation. The saying bra is usually limited to the long term brassiere which was based on some sort of France expression this means bodice.

Truth be told, the first bras were being intended to restrain this busts instead of enlarge these individuals however, the current model of this corset merchandise has been around regarding in excess of one hundred a long time, because the first 1900s.Shock absorbing bras ultimately became popular when women found out the amount saucier they are able to show up by means of padding the within of these brassieres. For many years, girls have been stuffing their particular busts having flesh, organic cotton and in many cases socks.

They tend to be filled up with sometimes silicone or maybe a saline alternative and in addition they come in a number of styles, shapes as well as textures.Another health care intervention has to be fatshift. This really isattained by means of transferring adipose tissue on the belly or perhaps thighs by using liposuction, purifying the idea after which it injecting that into your busts to produce a more voluminous seem.Excess fat shift can be quite a organic technique of going shape all-around people physique, however you'll find merged views in relation to it's permanency because it has a tendency to reabsorb.

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Amazingly, the original bras had been used to restrain your breasts rather than increase the size of all of them even so, the modern variation of this underwear piece 's been around regarding more than over a hundred several years, since the early 1900s.Cushioned bras gradually grew to be well-liked as soon as girls discovered simply how much sexier they are able to glimpse through padding the inside of their brassieres. For countless years, girls had been ingrdient filling their bosoms with cells, cotton as well as socks.

The unit are usually stuffed with either plastic or even a saline remedy plus they come in a variety of measurements, designs along with textures.One more health care involvement would be a weightshift. This can beachieved through shifting adipose tissue from the belly as well as thighs through liposuction, cleaning this after which injecting the idea to the bosoms to create a bigger search.Body fat transfer is usually a normal approach to relocating curves all-around people entire body, but you'll find blended views regarding the permanency since it has a tendency to reabsorb.

Breasts augmentation, whether or not by means of surgical procedures or maybe bra, can certainly include contour appeal as well as sexiness to a womans system.

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Rotisseries - the Good, the Better, the Best By Sheonty Sultan

If you want a hunk of poultry or leg of lamb that is firm to the touch, yet, tender and oozing juices, an investment in the best rotisserie is non-negotiable. Using a rotisserie ensures even cooking as well as better health because the fat drips away. It is not some complex procedure, contrary to popular belief. Peruse these reviews and you will find the rotisserie that best suits your culinary requirements.

Centro Electric Rotisserie

This has a moderate rating from customers. It might work well but it does not go with the Centro BBQ which it is supposed to fit perfectly. So that defeats the purpose. You don?t want to have to buy something and then use a hack saw to get it down to size as was suggested by one buyer. The upside is it produces great results. Another disadvantage is that it is not sturdy enough, so one better beware while cooking heavier portions of meat. Available at Canadian Tire and priced at around $60?you get what you pay for, we suppose!

Verdict: Buyer Beware!

Cuisinart Stainless Steel Vertical Rotisserie CVR 1000

This rotisserie got rave reviews. Customers seem to love it for its being easy to use and clean, and for its ability to produce excellent end results. It is better to buy an already set up rotisserie versus the previous one we discussed. The idea is to make life easier, not harder! This is available at Costco and priced at around $200. Look out for discounts. It is a good-looking piece with its stainless steel finish which will be easy to incorporate into any kitchen d?cor. These are other features that make it so popular:

? 5 preset temperature settings

? roasting rack and poultry tower

? easy to clean with dishwasher safe accessories

? up to 8 lbs can be roasted

? non-stick interior

? 3 year warranty

Verdict: Buy

Ronco Showtime Platinum Rotisserie and Barbecue Oven

The Ronco is often called the best rotisserie. You will have to find that out for yourself. It surely is an impressive addition to your counter-top. These are its salient features:
? horizontal rotisserie

? unique platinum silver interior

? digital timer

? 6-month warranty

? all attachments are dishwasher safe

? can cook a 15-lb bird

? 3-way rotisserie settings

If you want a "set it and forget it" piece, this would be it.

Verdict: Strong Buy

All the rotisseries have some features in common, that is, they help you cut fat with ease and make your food tastier. They are supposed to be convenient to use and make cooking stress-free: then it seems the choice is between the Cuisinart and the Ronco. There are other brands out there but these are our favourites. These are also very affordable, effective, and easy to use and clean which is what you want to look for in a rotisserie.

Now that you are armed with all this knowledge about rotisseries, surely you know exactly what you want and what will best suit your particular needs. All you have to do is go out and get it: happy cooking!

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Amazingly, the main bras ended up supposed to restrain this failures rather than increase these nonetheless, the ultra-modern version on this lingerie piece 's been around for around a hundred a long time, because the early 1900s.Padding bras at some point grew to become popular any time ladies identified the amount sexier they are able to look by simply padding the interior with their brassieres. For quite a while, women of all ages have been padding the bosoms along with tissues, cotton and even socks.

The product usually are stuffed with possibly silicon or perhaps a saline solution and in addition they occur in a variety of sizing's, shapes and textures.A different professional medical involvement would have been a excess fattransport. That isaccomplished by simply moving adipose structure in the abdomen or maybe upper thighs by using liposuction, cleansing this and then injecting the idea in to the bosoms to manufacture a larger look.Excess fat move could be a pure means of relocating figure around types body, but there are blended ideas in relation to it's permanency mainly because it will reabsorb.

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Believe it or not, the main bras were supposed to restrain your breasts rather than enlarge these individuals nevertheless, the present day variation in this nighties product 's been around pertaining to in excess of a hundred decades, since the earlier 1900s.Shock absorbing bras sooner or later evolved into well-liked any time females identified how much volumptuous they are able to glimpse by underlay the interior of these brassieres. For countless years, ladies ended up padding their own busts having tissues, cotton and in many cases socks.

The product are usually filled up with both plastic or maybe a saline alternative and so they are available in many different measurements, styles as well as textures.Yet another health care involvement has to be excess fattransfer. That isattained by relocating adipose muscle through the mid-section as well as upper thighs by means of liposuction, purifying the item and then injecting the idea into your busts to generate a more voluminous seem.Extra fat transfer is usually a healthy method of shifting figure all-around versions entire body, however you will discover combined opinions about their permanency mainly because it will reabsorb.

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Contrary to popular belief, the first bras were intended to restrain the failures in lieu of enhance these individuals however, the ultra-modern variation of this corset merchandise has existed pertaining to in excess of 100 years, because the earlier 1900s.Shock absorbing bras gradually evolved into common while women observed just how much volumptuous they are able to seem through padding the interior of these brassieres. For several years, girls was filling their particular busts together with areas, 100 % cotton and in many cases socks.

The product tend to be loaded with often silicon or possibly a saline alternative plus they appear in many different measurements, patterns along with textures.Yet another professional medical treatment is a weightshift. It isaccomplished by simply going adipose structure through the abdomen or perhaps upper thighs through liposuction, cleansing it then injecting it into your busts to produce a more voluminous search.Extra fat shift could be a natural way of going figure close to people body, yet you will find combined ideas concerning their permanency as it will reabsorb.

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