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20 hours ago

An Abney Associates Ameriprise Financial Advisor: Finding money to pay college bills out of pocket

You've saved for your child's college education through the years, helped your child research schools, and supervised the application process. Now, thankfully, your child is in college. But you probably can't disappear just yet--there are still bills to pay. Maybe you underestimated exactly how much financial aid would cover. Or perhaps you knew all along that you'd have to use some of your own resources or take out more loans. In any case, you'll need to come up with some...

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You've saved for your child's college education through the years, helped your child research schools, and supervised the application process. Now, thankfully, your child is in college. But you probably can't disappear just yet--there are still bills to pay. Maybe you underestimated exactly how much financial aid would cover. Or perhaps you knew all along that you'd have to use some of your own resources or take out more loans. In any case, you'll need to come up with some money soon. So where should you look?

YOUR PAYCHECK
If you can afford it, applying part of your paycheck to your child's college bills is probably the easiest route. You won't have any paperwork to fill out or messy calculations at tax time, and you can leave your retirement accounts and life insurance intact.

Most colleges bill once each semester. To have enough money saved to meet each semester's bill, consider setting aside an amount from each paycheck as soon as you get it, rather than saving whatever is left at the end of the month. As you accumulate money, you should put it somewhere safe (e.g., a savings account, money market account, or certificate of deposit) because of your short time frame. Some colleges, however, offer quarterly or monthly bills in an effort to make payment easier for you. Colleges may even offer you a tuition discount if you allow them to debit your account directly. In addition, some private companies now offer a 10-month payment plan coordinated with individual colleges.

The main drawback to using your paycheck as a source of cash for college bills is that this consistent outflow of cash over a period of months or years may leave you financially strapped to invest for other goals. To determine how much of a contribution you can manage (if any), you'll need to prepare a detailed budget of your household income and expenses.

View article source:
http://www.ameripriseadvisors.com/team/abney-associates/articles/5/finding-money-to-pay-college-bills-out-of-pocket/

31 hours ago

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Jul 23

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Jul 19

Fwd: FW: Entry-Level Firefighter/EMT Exam Application

The City of Chicago is pleased to inform you that the application period for the entry-level Firefighter/EMT exam started July 16, 2014 and will run through September 16. This is the period of time when applicants can sign up for the exam, which will be administered on December 13 and 14, 2014. In 2006, the age to sit for the exam was 19 and the age to enter the academy was 20. We have lowered the age to sit for...

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The City of Chicago is pleased to inform you that the application period for the entry-level Firefighter/EMT exam started July 16, 2014 and will run through September 16. This is the period of time when applicants can sign up for the exam, which will be administered on December 13 and 14, 2014. In 2006, the age to sit for the exam was 19 and the age to enter the academy was 20. We have lowered the age to sit for the exam and enter the academy to 18. It is our hope that younger individuals who get on the eligibility list will be motivated to attend college and stay out of trouble and will find a sense of opportunity about their futures.

Attached is the job announcement, as well as the FAQ’s, which provides all of the key information about the application process and the exam. In case you’d like to cut-and-paste the link to the application website, here it is: www.cityofchicago.org/FireApplication. The website also contains links to additional information.

During the posting period, applicants can call (312) 744-4976 or email fire-application@cityofchicago.org with any questions or concerns, and they can also seek assistance in Room 100 in City Hall.

We have also modified the way candidates can apply for Veterans Preference. Applicants may apply for Veterans Preference at any time, even after the posting has closed. There is no longer a cutoff date for the submission of documents showing eligibility for Veterans Preference. However, the later the preference is applied for, the later it will be applied. Detailed instructions on how to apply for the Veterans Preference are included in the attached FAQs.

Fire Commissioner, Chicago Fire Department

Commissioner, Department of Human Resources

Jul 18

Updated Jul 18

Does anyone know of any really good student discounts for Chicago?

Looking for any student discounted, cool, entertaining activities for this weekend locally.

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Jul 11

Night Out: Ensemble Espanol at Harrison

Fri, Jul 25, 2014 5:30 PM - 7:00 PM

The Ensemble Español presents the music, songs, and dances of Spain in a variety of innovative ballets, traditional folkloric suites, and fiery flamenco dramas from the medieval times in Iberia to twenty-second century Spain. Performances are 45 minutes in length and are suitable for students and families.

Jul 10

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Jul 07

Obscured Stop Sign

This is the corner of Cermak & Oakley, 1 picture facing west, 1 east on Cermak. Scaffolding has been erected around the corner building and the stop sign is obscured. This is an accident waiting to happen, loads of cars do not stop. This intersection is bad to begin with, even more so when there is no traffic, cars breeze right past it and if a bus or truck is blocking either sign you do not cross this street without...

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This is the corner of Cermak & Oakley, 1 picture facing west, 1 east on Cermak. Scaffolding has been erected around the corner building and the stop sign is obscured. This is an accident waiting to happen, loads of cars do not stop. This intersection is bad to begin with, even more so when there is no traffic, cars breeze right past it and if a bus or truck is blocking either sign you do not cross this street without waving at the driver to make sure they see you and they intend on stopping. There is a red light camera at Cermak and Western and a speed camera for the school in the middle of the block before this stop sign. Why can't we get a flashing stop sign here?

Jul 06

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1646-1699 S. Wolcott Ave.