360i CMO Abbey Klaassen @4A’s CreateTech : Designing for a Voice-Activated WorldWhen: Thursday, November 9Time: 9:55AM PT / 12:55PM PTWhere: Los Angeles, CAAbbey will be hosting a discussion this year at 4A’s CreateTech with thought leaders at the forefront of voice-activation across disciplines about designing for this platform and its audience. The panel includes NPR’s Senior Director of Digital Products Joel Sucherman, Michael Francisco from Amazon’s Alexa product team and Edison Research VP Tom Webster.360i CEO Sarah Hofstetter @FortuneMPW Next Gen Summit: Leading and BelievingWhen: Monday, November 13Time: 4:25PM PT / 7:25PM ETWhere: Laguna Nigel, CASarah joins Fortune’s MPW Next Gen Summit line up this year for a fire side chat with Fortune’s Assistant Managing Editor, Leigh Gallagher. Sarah will discuss how she turned her faith-based differences into C-suite advantages before a stellar audience of game-changing executives, entrepreneurs and innovators in business, along with leaders in government, philanthropy, education and the arts.360i President Jared Belsky @AdAge Next : Are You Ready for Marketing in a Voice-Controlled World?When: Wednesday, November 15Time: 9:50AM ETWhere: New York, NYJared is joining a panel of industry leaders at Ad Age Next to discuss what the rise of voice-powered technology like Amazon Echo and Google Assistant mean for the modern marketer. Hear how brands can prepare for voice search and interact with consumers in this new era. Loyal blog readers, you hear from us all the time, you read up on our latest client work, pay close attention to our take on major industry news, and you even keep up with how our employees spend their spare time. Now’s your chance to see our thought leadership take the stage! No, not the Broadway (our talents do have their limits) but the conference circuit stage.This month, hear from our CEO, CMO and President as they participate in fireside chats at the Fortune MPW Next Gen Summit, moderate panels during 4A’s CreateTech and join other leaders for industry discussions at Ad Age Next.
Post navigation It’s easy to assume that the role of a parent diminishes as a child approaches high school graduation. This is when many parents choose to step back and allow their kids to become the primary decision-makers in their own lives. But the time between high school and college is more than just a symbolic transition from childhood to adulthood – it’s a period of life-changing and complicated decisions. How your child navigates the questions of school choice, financial aid and student loan debt will have a major impact on not just their college years, but the trajectory of their entire adult life. You can’t make those choices for them, but you can help guide them through the process. Here’s how to do it. Apply for the FAFSA TogetherThe Free Application for Federal Student Aid (FAFSA) is the form that determines how much financial aid a student can receive. The federal government uses the FAFSA to calculate a family’s expected financial contribution and then decides how much the student should receive in federal grants and scholarships. Universities also use the FAFSA to assign their own financial aid, both need-based and merit-based. Families can apply for the FAFSA starting October 1, and it’s best to apply as soon as possible. Keep your child in the loop with the FAFSA so they understand how the process works. Explain why you can’t afford to pay for the entire tuition bill and how they’ll need to find outside funding. Parents have to fill out the FAFSA every year to account for any changes in income and family size. If you suspect your financial situation will affect your child’s FAFSA results, let them know as soon as possible. Explain Federal and Private Student LoansThere are two types of student loans, federal and private. Federal loans are backed by the Department of Education and have a variety of income-based repayment options for struggling students. Parents fill out the FAFSA to determine student loan eligibility. Private loans have higher interest rates and are less likely to have income-based repayment options. If your child loses his or her job after college and can’t afford payments, the private lender is unlikely to work with them. They’ll have more repayment options with federal loans. Most students borrow private loans after they reach the limit for federal student loans. Parents often have to cosign private loans, because the lender needs an adult with a solid credit score and stable income to provide assurance that the loan won’t default. Parents and students can both take out federal loans to pay for a college education. The government has a special Parent PLUS loan program which allows parents to borrow the difference between the attendance cost and any other financial aid their child qualifies for. If you’re going to take out a student loan for your child, decide early on who will be responsible for paying it back. Will you ask your child to take over payments after graduation, or will you handle them yourself? If you take out a loan in your name, your child won’t have any legal obligation to pay them back. Encourage Your Child to Apply for ScholarshipsWhen I reached the second semester of my senior year in high school, all my motivation went out the window. I was ready to graduate and start my new life. I had already been accepted to college and had a decent financial aid package. I spent my free time watching movies and dreaming about how to decorate my dorm. My parents and college counselor encouraged me to apply for scholarships, but my senioritis was too strong. The bulk of my financial aid was already accounted for, and I didn’t want to spend hours working on an application for a $500 scholarship. It wasn’t until I started paying back my student loans that I realized what a big difference all those little scholarships could have made. I was only earning $1,750 a month after taxes, so all of a sudden $500 seemed like a big deal. Encourage your child to apply for as many scholarships as possible – even the ones that seem like a long shot. Remind them to keep applying even after they start college. I got a few scholarships as an upperclassman that reduced my loan burden. Help Them Understand their Student LoansWhen I was in high school, I applied to both public and private colleges, including ones I knew I couldn’t afford. My parents made it clear that borrowing $100,000 to get a journalism degree wasn’t a wise choice, so I made my final choice partly based on affordability. Even then, I didn’t understand the impact student loan debt would have on my life. When I graduated college with $24,000 in student loans, it took me five months to find a full-time job. I eventually landed a gig as a newspaper reporter making $28,000 a year, and shortly after that my first student loan payment arrived. The payment was $350 and I was making $1,750 a month after taxes, so 20% of my take-home pay was going to student loans. This was a hard reality for me to accept. I had been so responsible, choosing an affordable college and not borrowing more than I thought I could pay back – so how was my debt burden still so high? I was able to scrape by and make the payments, but I didn’t have much left over for discretionary spending. Most of my weekend nights were spent in my cheap apartment watching Netflix, and a candy bar from the nearby gas station was the fanciest luxury I could afford. Give your child a mock budget to show how student loans will affect their life after college. I wish I had understood how my loans would affect my ability to travel, pay for car repairs or splurge every once in a while. Show them how choosing a more affordable school will provide more options after graduation. Even if they still choose to take on significant student loan debt, they’ll do so with a full understanding of the consequences. Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedWhat You Need to File with FAFSANovember 5, 2019In “Student Finances”How To Apply For Student Loans Without Your ParentsAugust 29, 2019In “Student Finances”Student Loans Explained: WTFinanceAugust 12, 2019In “Financial IQ”
Related posts:Government, environmental groups agree to temporarily postpone approval of waste gasification Municipalities challenge moratorium on solid waste gasification projects Delays, excuses and gripes mark approaching deadline for distributed electricity generation in Costa Rica Citizen group voices support for government moratorium on thermal conversion of solid waste to electricity A few years ago, U.S. expat Michael Styles came up with an idea: He wanted to bring solar panels to San Ramón, a bucolic town in the hills of Alajuela province. At the time, Styles ran an art gallery in San Ramón and had a strong interest in community development. Styles approached his friend Cesar Carrillo about how realistic the project might be.“He asked me whether it was crazy,” recalled Carrillo with a laugh.Styles has since returned to the United States, leaving behind the organization he founded, the Community Action Alliance (CAA). The CAA’s mission is to improve living conditions in San Ramón and cultivate relationships between the town’s Costa Rican residents and its sizeable expat population. The volunteer group has done inestimable good in San Ramón, but on Nov. 16, members will celebrate their finest accomplishment yet: 25 solar panels on the roof of Jorge Washington Elementary School, generating 5.5 kilowatts of electricity. After three years of slow and difficult work, CAA and its allies will fete the occasion with music, food, and an inauguration ceremony.There is much to commemorate: Not only does Jorge Washington turn 75 years old this month, but it is allegedly the first urban public school in Costa Rica to harness solar power effectively.“We wanted to be the first cantonin Costa Rica to be carbon-neutral certified,” Carrillo told The Tico Times. “We wanted to show the panels somewhere visible.”While the panels themselves aren’t easy to spot, Jorge Washington is the perfect venue to make a good impression. The school is large, stately, and located in the middle of downtown San Ramón. On any given afternoon, the school is frenetic with screaming, racing children. The facility has two internal basketball courts that also serve as playgrounds, and its auditorium is enormous. If Costa Rica needed a model public school, Jorge Washington would be it.The idea to use solar energy in San Ramón developed organically. Styles and Carrillo had pursued “sister city” status with Austin, Texas, and when they committed to the solar concept, they decided to buy their panels from an Austin-based company, PSIDA. They wanted to place the panels in a public building that would significantly benefit from green energy, so they proposed the project to the director of Jorge Washington, Aida Mendez Jimenez. Cesar Carrillo and Aida Mendez Jimenez stand in Mendez’s office at Jorge Washington School. Robert Isenberg/The Tico Times“Our electricity bills have always been very high,” said Mendez. “Our school had been participating in a peace and environmental project with UNESCO, and we have long been interested in the environment.”In order to raise money for the $12,000 project, CAA conscripted an army of collaborators: A public book sale in May and a barbeque hosted by the school raised more than half the necessary funding, but the school had to continue its fundraising efforts to afford the panels. Thankfully, the school received free installation by SEVSA, a green energy company based in Costa Rica. The only significant hiccup was coordinating with the Costa Rican Electricity Institute (ICE): Organizers say that activating the solar panels, a process that usually takes only a few months, instead took nearly a year.“But this technology is new,” explained Carrillo. San Ramón is not nearly as solar-savvy as other communities in Costa Rica, and it took time to make arrangements with ICE. When ICE finally inspected and approved the panels, it took only a moment to switch them on. Workers lift a panel to the roof during the installation process. Courtesy Community Action AllianceToday, the panels lie on top of Jorge Washington’s high roof, and they are invisible to passersby below. Carrillo and Mendez expect the panels to halve the school’s electric bill during busy weeks, and the school will continue to produce electricity – earning credits from ICE – during weekends and between semesters.To mark the school’s 75th birthday, the two-week celebration culminates in a “Health-Nutrition-Sports Day” on Nov. 30, which will include exercise classes, a student basketball tournament, and a multicultural breakfast buffet.As the ambitious project draws to a close, Carrillo is especially grateful to the hundreds of volunteers who have helped make Styles’ dream into a reality. Carrillo and Mendez have appreciated how collaborative the Costa Rican and expat populations have been in San Ramón.“Many expats in Costa Rica live in condominiums,” said Mendez. “They don’t immerse themselves. Here, people have open doors. People are welcome in each other’s homes. We are not closed off. We like to think outside of ourselves.”For more information about the Community Action Alliance, the solar panel project, and Jorge Washington’s anniversary plans, visit the CAA website. Facebook Comments