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Marquette Corp 4C Ad 7x9.5
8/30/08
2:05 PM
Page 1 Ken Bickel Brown Disk 74.5:II512ME/Marquette Corp AD:
from the editor Welcome Students! Some of your are old acquaintances and some of you are new to area so I’ll remind you that BACK TO SCHOOL Did you all have a nice summer? I hope so because that brain of yours needs to be well rested for the tough academic year ahead and the employment most of you will need to seek in order to buy “stuff” integral to your existence. We have a handy employment section to help you get out and get employed. We do all the hard work to make it easy for you to contact the nice folks who are looking for someone exactly like you! See? We really like you! We are so concerned about your happiness during this school year that we will be visiting you four times. Yes, four times! We will help you by supplying you with some great articles to keep you informed (customized to college students such as yourself), very good places to “eat, drink, and/or be merry”, and let’s say it all together, “Employment”! It warms our hearts knowing we are doing something good for fellow humans. Get those brain cells ready to contemplate, concentrate, cogitate, meditate, and/or deliberate. Um… How ‘bout this: “Put your thinking beanies on!” Try to have some fun, too! Glad you’re back and good luck!
FALL EDITION
-Amanda Lewis
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The Air Guard has some of the most advanced technical jobs in the military, with nearly 200 career specialties ranging from Intelligence and Communications to Aircraft Maintenance. To succeed in the 21st Century, you need state-of-the-art skills, education and training. That is exactly what awaits you when you serve in today’s Air Guard. Providing you the opportunity to work with some of the nation’s most advanced computers and electronics systems, the Air Guard is truly a great place to launch your future.
TUITION ASSISTANCE. PAID TRAINING. MEDICAL BENEFITS. GREAT PAY. CallCall1-800-453-3123 1-800-TO-GO-ANG or visit GoANG.com
What Not To Do In A Job Interview Everyone will give you advice about how to conduct yourself in an interview. Be yourself, dress professionally and so on. But what about what you should not say or do in an interview. Here are ways you can screw up an interview.
Arrive late and unprepared When arriving to an interview do not come even one minute late. You should be at least 5 minutes early; this gives the person interviewing you a good first impression. When an interviewer ask you “what do know about the company?� you should chime right in. Trash talking your former employer This is one of the most common mistake one does while explaining why they left there former job. You should always focus on the positives of your previous working environment. Always portray that you left under good terms. Bringing your cell phone A big mistake many have made is forgetting to turn off there cell phone or turning it on vibrate mode. Distracting noises can disconnect you with the person interviewing you and make them think you are not focused on your future employment with that company. Leave your cell phones in the car or at home to avoid bringing in with you.
always thank your interviewer for meeting with you
Being fuzzy on your facts Even though you have your typed up resume, an employer will ask you your work history and other information on your former job. Having to think before you answer sends a message that you are not on top of things. Look over your information on dates of your graduation and former employment. Dressing inappropriately is a no brainer! Bad eye contact and fidgeting When you have bad eye contact and you fidget while your interviewer is talking, you are really not interested in what they have to say. It can also show a lack of confidence. When hiring someone, an employer wants to make sure you are interested in what you are going to be doing, and not just applying at that company until something better comes along. Not Asking Questions Start asking questions. You want them to think you are interested in learning more about what your duties will be and how you might be able to advance if you stay with the company. Keep focused on important questions that are more about business and not about money. Finally, always thank your interviewer for meeting with you. Perfecting an interview is all about getting yourself mentally prepared before you meet with your potential new employer. Make sure you practice the night before and use these helpful hints to make your new interview a success.
FALL BTS GUIDE
How Your Brain Orders Events Researchers have long wondered whether the language we speak affects the way we interpret the world. A new study shows that, regardless of their language, people tend to order events the same way when they’re not speaking about them. Word order is one of the earliest things children learn about language. But the word order children learn depends on their language. An international team led by Dr. Susan Goldin-Meadow at the University of Chicago set out to see whether the way people learn to order words when speaking affects the way they construct ideas when they’re not speaking. The study, which was supported by NIH’s National Institute on Deafness and Other Communication Disorders (NIDCD), appeared in the July 8, 2008, issue of Proceedings of the National Academy of Sciences. The researchers gave 2 nonverbal tasks to people who use 4 different languages that vary in their word order: English speakers in Chicago, Turkish speakers in Istanbul, Spanish speakers in Madrid and Mandarin Chinese speakers in Beijing. One of the tasks was communicative; the other was noncommunicative. In the communicative test, 40 participants, 10 of each language, were asked to describe vignettes displayed on a computer using only their hands. The vignettes displayed 36 different motion events. They were ones children often talk about in the early stages of language learning—for example, a duck moves toward a wheelbarrow or a girl gives a flower to a man. The other task was designed to reveal how the participants ordered things in their minds when there was no pressure to communicate. Another 40 people were shown a vignette of each event and then given transparencies with black line drawings of each
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element in the event—for example, a duck, a wheelbarrow and an arrow representing movement. They were asked to stack the transparencies onto a single peg to form a representation of the event. The final products looked the same no matter what order the participants used when stacking the transparencies, and the participants weren’t told that the order in which they stacked the transparencies was the focus of the study. In fact, the researcher made it clear that she was busy with other things while the participants performed their tasks. The researchers had first tested how the participants used word order in their speech. Turkish speakers followed a subject-object-verb pattern, English and Spanish speakers followed a subject-verb-object pattern and Chinese speakers used both. Despite this variation in language word order, the participants all performed similarly on both the hand gesture and transparency tasks. They made gestures, or picked up transparencies, for subjects before objects, and for objects before verbs. This subject–object–verb pattern is found in many languages of the world, including newly developing sign languages. “There appears to be a natural order that humans use when asked to represent events nonverbally, and that order is not borrowed from language,” Goldin-Meadow says. “In fact, the influence may go in the other direction—the ordering we see in our nonverbal tasks may shape language in its emerging stages.” The fact that many languages, including English, alter this natural subject–object– verb order likely reflects pressures on a language as it grows and becomes more complex. The nature of those pressures will be a subject for future research. —by Harrison Wein, Ph.D.
The Four Year Degree Update Your College Education
It is estimated that in years to come a college education will run in the hundreds of thousands of dollars. It could be time to look at the old model of a college education and begin to look at new ways to streamline the current overly bloated curriculum. Who’s Running the Show? The primary problem with college and the university system is that it is directed and overseen by people who don’t really have student’s best interests in mind. Colleges across the country enjoy a unique situation of holding students ransom for the almighty degree. The four year degree model is so antiquated that it is causing students to become disenfranchised with the college way. The four year degree model holds several problems. First, it is way too long and filled with too many unnecessary courses especially in today’s ever changing marketplace. The computer class a student may take as a freshman could be already outdated and useless by the time they are a senior. Also, making courses such as sociology, history, etc. mandatory is a ridiculous waste of student dollars. If they want to take these whimsical courses, they should be able to do it later on in life when they can study them for their own benefit and amusement. The second problem with the four year model is that it discourages the lifelong pursuit of education by locking an individual into one career path and making it economically impossible to go back to school at a future date to learn other skills. Let’s Get Real Fact. 99.9% of all individuals pursue a four year degree as a vehicle to make money and obtain a good job. The reason students opt for the four year degree instead of individualized coursework is because they can’t make as much money without the
degree. Consequently, it is counterproductive to leave their fate in the hands of a third party who has an entirely different agenda. University officials are in the business of making money first and foremost. It’s a nice dream to think that they are more concerned about your education than their paycheck, but this is only a dream. The four year degree works out great for them because it is expensive and ensures a lot of long term revenue from each student. University officials have very little incentive to streamline the curriculum because they are not training you to work for them. They are tossing a bunch of information at you and then sending you off into the workplace. Businesses are the entity who most directly benefit from a well educated student. Consequently, they should be the one’s calling the shots. There are many benefits to having businesses running the curriculum. First, their objectives and yours are much more suitably matched. For example, ABC Computer may need a person with a very specified programming skill. With this skill ABC Computer is willing to pay $40,000 a year. So, this could mean that an individual could take 4-5 computer classes and jump into the workplace quickly with a high paying job. Two other benefits with doing it this way are the student can pursue other career goals (because they haven’t blown $100,000 only to find out they really didn’t like their career choice) and the employer is probably very willing to reimburse students for coursework that is directly related to their business. Unfortunately, for now, students are at the mercy of the four year degree until businesses decide to step up and do away with it.
FALL BTS GUIDE
Student Living the quick move Having apartment is like living at home. Act quickly, some of the best places go fast
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Last minute moving can be a hassle. Here are some helpful tips to help make your quick move easier. After choosing a college, finding a place to live can be a strenuous. Some colleges require all in-coming freshmen to live on-campus their first year. If your college require freshman to live on-campus your first year, This allows you time for you to adjust to college live. But for those starting school and still have not found a place to live you need to arrange your housing fairly quickly. The best places will go fast. You want to search for housing where you feel most comfortable and where you can make the best adjustment from home life to college life. Starting your search sounds easy, right? Your first thought is to look at the local papers and search the net for student housing, apartments, or maybe a duplex. Before you search the local resources, you might want to think through what you might all need to do.
DECIDE WHERE YOU WANT TO LIVE. Seems pretty simple, but consider many things. Would you like to be close to campus, family, friends, shopping centers, healthcare facilities? Will you need to use transportation other than your car? Will you have access to recreational activities? Do you want to climb flights of stairs? Do you want maintenancefree living? Is it secure and safe? Can you keep your pet? Research new home alternatives long before you make your move. Spend time in the area where you plan to move and get answers to all your questions. CLEAR OUT THE OLD. Whether you are moving to a smaller home, apartment, or a dorm you need to downsize your possessions. Sort through your belongings and keep what you absolutely need. Sort only a few hours at a time to avoid being overwhelmed. At this time you should create a floor plan of your new living space showing each room and the placement of each piece of furniture. Take measurements of each room. Make a note of doors, windows, outlets. Take measurements of your furniture. Give the remaining items to family and/or friends. Think about having an rummage sale, a tag sale or donating belongings to charities (many charities will pick up the items at your home). Keep in mind space limitations. Let family members know what you plan on taking with you. Make a schedule of the times when you expect to have family members, friends, or charities pick up the items. Clearly label all items, use colored stickers to mark what will or will not go to your new home. This will help you remember what goes where when you begin packing. PACK IT UP. Packing should be easy for you and your family or professional movers if you’ve already labeled and sorted your belongings. If you are doing the move yourself be sure to have enough boxes, packing materials, and tape. Do not wait until the last minute to decide whether or not to keep an item. Make all decisions about the belongings you intend to keep long before packing day arrives. Try to do packing a day or two before you move if you are doing it yourself. Of course if you hire professional movers, let them do the packing for you. It will be less stressful on you and will guarantee that the moving company insures the contents of the boxes in case of damage. Also keep in mind that if the move takes longer because you are disorganized, the movers may charge more. Label each box with the room where it will be placed and list a few of the items contained. You can even photograph your belongings so you have a record of their condition before the move. Take special care of your smaller valuables. You’ll want to keep them separate from the other boxes. Carry them on your person, or place them with your personal items. You may even want to place them in a safe deposit box during the move. If you choose a professional mover be sure to consult two or three reputable companies and always get a written estimate. If you label all the belongings that are to be moved this will help you to receive consistent bids from potential movers. Once you decide on a mover you should sign a contract showing a specific price. Be sure to understand the amount of insurance that is provided by the mover before you sign a contract. If you have access to the internet or a library try to research what the law requires of moving companies. You’ll be better prepared to ask the right questions. Notify your service companies. CALL ON HELP. On moving day have your family or friends help out even if you have hired professional movers, you may need to put them in charge if you find you need to take a rest from all the activity. Be sure to give the movers the floor plan with furniture placement. This will prevent confusion at your new home. Have an overnight bag packed a few days in advance of the move. This bag should have all your medications, checkbook, traveler’s checks if you are moving a distance or cash, keys, phone numbers, address book, jewelry, toiletries, night clothes, day clothes and anything important you need to have close to hand on moving day. It also doesn’t hurt to keep a few snacks and drinks handy. Keep this bag close to you and away from movers so not to have it accidentally placed with your other belongings. Have pets transported safely to your new home. If you are moving a distance make sure family and friends have a copy of the route and schedule including all stops you will be making. Check all drawers, cabinets, shelves, attic and garage to be sure they are empty. Settle in. When you get to your new home try to unpack as much as possible the first day. This will make you feel more comfortable. Check to see if the telephone is working, if you have electricity, check appliances. Get a list of important local phone numbers and call for a local phonebook if you don’t already have one. And finally, introduce yourself to your new neighbors
GREAT LAKES
FUTON
907 south 1st Street • (414) 272-3324
www.greatlakesfuton.com
Software Programs
Coreldraw X3 Graphics Suite
Since its debut in 1989, Coreldraw has been one of the most underrated products in the graphics market. This has been mostly due to the predominance of Mac users in the graphics field and the dominance of Adobe products in this marketplace. Nonetheless, Coreldraw is no second rate product when it comes to design. Coreldraw X3 has incorporated a few nifty features into its latest version that helps it to stay in competition with its more high profile competitor – Adobe Illustrator. Although Corel has added 40 new features into this version, we focused on a couple that were important to us. The new Fit Text To Path tool seems to work better than previous editions and is a necessary component in today’s designs. This tool allows users to take a word or sentence and make it follow a designated path to create interested design. Another new feature, and probably the one Corel is most proud of, is the Power Trace. The feature allows you to manipulate images in an extraordinary fashion and allows more possibilities with an in manipulating an existing image. The new Crop Tool was a sorely needed part of the program. Cropping an image is now much easier and works essentially the same way as the Adobe Photoshop tool. The overall look and feel of X3 remains the same as previous versions. We’ve always preferred Coreldraw over Illustrator because of its intuitive ease of use and its multitude of effects features not found in Illustrator. Although the upgrade is not a huge one from version 12, it is enough to warrant buying this product. Full version: $399.00. Upgrade: $179.00. website: www.corel.com
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Make Life More Productive Active Desktop Calendar
This is a handy product for anyone who uses their computer a lot and wants to keep track of their daily schedule. The Active Desktop Calendar lays out on the desktop of your computer and allows you to type in reminders of things you need to take care of during the weeks and months ahead. It has a nice interface and is very easy to use. The feature we liked best was the alarm that pops up when you schedule it to, to remind you of an event that day. This is a must have program for anyone who hates to write things down and is constantly missing appointments. Full version: $19.90 website: www. xemico.com
EZ Deposit Slip
If you ever get annoyed hand writing deposit slips EZ Deposit Slip is the program for you. Not only does it make your bank deposits neat and clean, it leaves you with a permanent computer record of the transaction. The program is very easy to use and was actually developed by a Milwaukee native – Russ Wasserman. Full version: $99.00 website: www.ezdepositslip.com
Fireman CD/DVD Burner
If for some reason you bought a CD or DVD burner over the internet and it didn’t come with software, this is a nice, inexpensive product to use. The interface is very easy to use and seems to be compatible with most devices. Plus, it is much less expensive than most well known programs that do the same function. A great choice for the person looking for something inexpensive and functional. Full version: $39.99 website: www.honestech.com
WATCH OUT FOR SCAMS
By Karyl Richson Social Security Public Affairs Specialist in Milwaukee, WI It seems there are scams all over the place these days. You’ve won the lottery of some obscure country or a needy millionaire in Europe is seeking your help transferring funds to the United States. These kinds of scams can be upsetting, particularly when you realize the reason they exist — because so many people fall for them. Especially upsetting are the scams that target people who depend on Social Security benefits — and use Social Security’s name in their shady dealings. Recently, we have heard of a number of scams where individuals posing as
Social Security employees call and ask for personal information like your name, Social Security number and bank account information. The caller alleges that we need this information so we can issue you additional funds or rebates or they allege that because of a computer glitch your personal information has been lost. Another scam used an email that was designed to look like it came from Social Security. It provided information about the annual cost-of-living-adjustment and directed readers to a website designed to look like Social Security’s site so people could “update their information” — valuable information to identity thieves and criminals. In an effort to combat such scams, we
want to make one thing perfectly clear: Social Security will not send you an email asking you to give us your personal information, such as your Social Security number, date of birth, or other private information. If someone saying they are from Social Security does email you requesting information, don’t respond to the message. Instead, contact your local Social Security office or call us at 1-800772-1213 (TTY 1-800-325-0778) to see whether we really need any information from you. Whatever you do, don’t fall victim to a scam. Don’t give out your personal information. Social Security and the Office of Inspector General (OIG) take these scams
very seriously. We do everything we can to stop the perpetrators and educate the public. To report suspicious activity, please call the OIG Hotline at 1-800-2690271. (If you are deaf or hard of hearing, call the OIG TTY number at 1-866-5012101.) A Public Fraud Reporting form is also available online at OIG’s website: www.socialsecurity.gov/oig. Of course, there are times when Social Security may contact you to update your information. At such times, you will always receive prior notification from us by mail or telephone before a personal visit is made. When in doubt, contact us at 1-800-7721213 (TTY 1-800-325-0778) and we can verify the identity of the Social Security employee who has contacted you.
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Good News For
Drinking up to six cups a day of caffeinated or decaffeinated coffee daily won’t shorten your life span, a new study shows.
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COFFEE LOVERS
In fact, coffee might even help the heart, especially for women, the researchers found. “Our results suggest that long-term, regular coffee consumption does not increase the risk of death and probably has several beneficial effects on health,” said lead researcher Dr. Esther Lopez-Garcia, assistant professor of preventive medicine at the Autonoma University in Madrid, Spain. Her team published its findings in the June 17 issue of the Annals of Internal Medicine. Lopez-Garcia stressed that the findings may only hold true only for healthy folk. “People with any disease or condition should ask their doctor about their risk, because caffeine still has an acute effect on short-term increase of blood pressure,” she said. In the study, the Spanish team looked at the relationships between coffee drinking and the risks of dying from heart disease, cancer, or any cause in almost 42,000 men who participated in the Health Professionals Follow-Up Study and more than 84,000 women who had participated in the Nurses’ Health Study. At the study start, all participants were free of heart disease and cancer. The participants completed questionnaires every two to four years, including information about their coffee drinking, other dietary habits, smoking and health conditions. The research team looked at the frequency of death from any cause, death due to heart disease, and death due to cancer among people with different coffee-drinking habits, comparing them to those who didn’t drink the brew. They also controlled for other risk factors, including diet, smoking and body size. The researchers found that women who drank two or three cups of caffeinated coffee daily had a 25 percent lower risk of death from heart disease during the follow-up (from 1980 to 2004) than non-drinkers. Women also had an 18 percent lower death risk from a cause other than cancer or heart disease compared with non-coffee drinkers. For men, drinking two to three cups of caffeinated coffee daily was a “wash” -- not associated with either an increased or a decreased risk of death during the follow up, from 1986 to 2004. The lower death rate was mainly due to a lower risk for heart disease deaths, the researchers found, while no link was discovered for coffee drinking and cancer deaths. The relationship did not seem to be directly related to caffeine, according to the researchers, since those who drank decaf also had a lower death rate than those who didn’t drink either kind of coffee. In the past, studies have come up with mixed results on the health effects of coffee, with some finding coffee increased the risk of death and others not. More recently, research has found coffee drinking linked with a lower risk of type 2 diabetes and some cancers, and preventing the development of cardiovascular disease, Lopez-Garcia said. The strength of her current study, she said, includes the large number of participants and long follow-up period. While the study is interesting, it does have its shortcomings, said Dr. Peter Galier, an internal medicine specialist, former chief of staff at Santa Monica UCLA and Orthopedic Hospital and associate professor of medicine at the University of California Los Angeles’ David Geffen School of Medicine. Self-reporting is one shortcoming, he said, because people may have under- or over-reported their coffee consumption, for instance. “I think what this study tells us is not so much that coffee is the answer to everything,” he said. But, rather, that some compounds, such as the antioxidants found in coffee, may be healthy. Galier’s advice for consumers: “I would tell them to weigh the subjective risk of their coffee consumption,” he said. For instance, “if they love coffee, but it makes them jittery, and they can’t sleep, the need to adjust it,” he said. “Look at your symptoms,” he tells patients. “If decaf is no problem, I wouldn’t put a limit on that.” The research was funded by grants from the U.S. National Institutes of Health.
ANXIETY
AND WORRIES
Worries, fears, and anxiety are probably the most common sources of emotional pain for all human beings all across the world. Our worries and fears are usually in response to consciously recognized threats or danger in our surroundings. Anxiety according to the definition offered in standard text books is “the apprehensive anticipation of future danger or misfortune accompanied by a feeling of dysphoria or somatic tension.� The focus of apprehension and anticipated danger could be from within ourself or in our surroundings and external world. Our worries, fears, and anxiety often get us to re-evaluate our internal and external lives and it becomes the motive for developing more constructive changes within ourselves, in our environment, and our goals and future. These kind of benign worries are usually limited in their intensity and duration, and after finding a solution one sees the relief from all the pains of apprehension. However, there are times that apprehensive expectations are excessive and happen more days than not. These apprehensions are about a variety of events or activities and symptoms can last for six months. One finds it difficult to contain the worries and get some relief from the discomfort of worries. Anxiety Disorder is often a familial or genetic disorder and
In these prolonged and bothersome states of anxiety and apprehension, one may experience some of the following discomforts: • Feeling restless, keyed up, or on edge • Easily feeling fatigued • Finding it difficult to concentrate, becoming distracted easily, or mind going blank • Feeling irritated easily • Having muscle tension and feeling our body can’t relax • Having difficulties falling or staying asleep, and overall having unsatisfying sleep
numbers of relatives may suffer from it. Other relatives may have depression, mood disorder, OCD, intense phobias, etc‌ It can be seen in all age groups, from children to the elderly. Its occurrence in women is somewhat more than men. (55-60% of anxious individuals are women). It is quite prevalent, about 5% of individuals have had episodes of severe anxiety lasting more than six months, and many suffer all their lives. The natural course of it is fairly chronic with periods of worsening, then feeling somewhat better for a while, then having another episode. The symptoms often get worse at times of stress. Research is progressing to understand genetic aspects and chemical imbalances, and the nature of anxiety. We are able to help individuals and prevent ongoing intense and painful suffering. If you have questions please feel free to write, email, or call. Kambiz Pahlavan, MD, FAPA, FAACAP, Medical Director, Rogers Memorial Hospital – Milwaukee,Director, Rogers Center for Research & Training, Inc., 11101 West Lincoln Avenue, Milwaukee, WI 53227, Phone: 877-676-6600 / rogerscenter@rogershospital. org
If you feel this way you are not alone. I can’t get beyond
my anxiety
For more information, or to find out if you may be eligible for the study, please contact:
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Model in photo is for illustrative purposes only.
Millions of people across the world live their lives with a constant burden of anxiety; where their excessive worrying occurs for no apparent reason or is triggered by the smallest or most insignificant of incidents. We are currently looking for people to participate in a research study for an investigational medicine for Generalized Anxiety Disorder (GAD). You may qualify if you are between 18 and 65 years of age and have been diagnosed with GAD, or regularly experience the symptoms associated with the condition, including chronic anxiety, muscle tightness, restlessness, prolonged sleep disturbance, and even pain. A5361020 Study FALL BTS GUIDE 13
Student Living
Living with a college roomate can be fun as well as very frustrating. Here are some helpful tips to help prevent and solve conflicts with your college flat mate. There are many living situration for a college student. Dorm rooms, apartments, and other on campus living are just a few choices that a student has to choose from. Whichever you choose , you will probably end up living with someone else. Sharing a living situation can be easier on everyone finacially, but much harder on one’s pyschy. Arguments can occur over cleaning, noise, mood swings and paying rent and bills on time. This can put strain on a college students already busy life. Living with someone can make you a better person. It can teach you patients and help you in the future with a romantic relationship. Here are some helpful tips to getting along with your roomate.
Living With A Roomate
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Setting Schedules Decide what you share in common and what would make you the “odd couple”. Do you like your music loud or soft? What are your study habits? What are your sleeping habits? Asking more questions and setting up timed schedules to fit each others lifestyle can avoid problems in the future The Rules The best way avoiding conflicts is to set up rules of the apartment/dorm. Each rule has to be realalistic to one another. Reaching an agreement and posting them up somewhere highly visible will remind you what you and your roomate agree upon. Compromising In every situation in life you must compromise. Living with a roomate forces you to combine two lifestyles. Chances are you and your roomate will have serveral annoying habits that will cause strain on your living
situation. Sometimes compromising (even if you are sure you are right) can be the only solution. This doesn’t mean you are surrendering to someone , but rather you are working with your roomate who you have chosen to live with. Communication Communication can be the trickiest part. Knowing when or when not to address something is a important factor to a relationship with a roomate. You will at times become annoyed with each other. Instead of nitpicking, address the issues that come up more then others or situations that you would not want to happen in the future. Don’t forget to give your roomate postitive feedback from time to time as well. Living with someone can be difficult, so create a schedule, set up rules, compromise and communicate to help get along with your new roomate. Enjoy your new space!
What You Need To Know About
Credit Cards
There’s little reason for a college student to have more than one credit card. In fact, having too many credit cards can work against you when it comes time to buy a car or rent an apartment.
Piling up debt during your college years is alarmingly easy. Credit card issuers often employ persuasive marketing techniques to get students to open accounts. Once students have credit cards in hand, the temptation is so great that many end up graduating with not only a diploma, but significant consumer debt. That doesn’t mean college students should shun credit cards completely, reports the Wisconsin Institute of Certified Public Accountants. Used properly, credit cards can be beneficial in establishing a credit history and in providing aid in emergency situations. And, believe it or not, it’s often easier to get a credit card while you’re still a student. That’s because credit card companies know that once you’ve graduated, Mom and Dad are less likely to come to your aid if you can’t meet the payments. Here’s what CPAs say college students need to know about credit cards. There’s little reason for a college student to have more than one credit card. In fact, having too many credit cards can work against you when it comes time to buy a car or rent an apartment. That’s because some lenders may be reluctant to extend additional credit to you out of fear that you’ll run up balances on all your open credit cards and be unable to meet the payments. Credit card interest rates and terms vary widely. Look for a card with a low interest rate and no annual fee.
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To avoid interest charges, you’ll want a card with a grace period of at least 25 days. A grace period lets you avoid finance charges by paying your balance in full before the due date. And be sure to read the fine print covering fees for late payments, exceeding your credit limit, cash advances, and overseas transactions. Some credit cards have low introductory rates that jump sharply after three or six months. On other offers, lower introductory rates apply only to balances you transfer from another credit card. And beware -- some credit card issuers will raise your rate if you’re late on a payment. Except when absolutely necessary, you should never charge more than you will be able to pay back when the bill arrives. Before charging a purchase, think it through. If you are not able to afford the purchase now, chances are you won’t be able to afford it in a month when the credit card bill arrives. A low credit line limits the amount of credit you have access to and helps to remove the temptation to overspend. Should you receive a congratulatory letter raising your credit limit, call the credit card issuer and decline the offer. Many card issuers impose both finance charges and transaction fees for cash advances. Unlike charge purchases, interest on a cash advance is normally charged from the transaction date and the cash advance fee may be as high as 2.5 percent of the amount taken. . Don’t give your account number out over the Internet or elsewhere unless you initiated the transaction. Keep separate from your card a record of your account numbers, expiration dates, and the phone numbers for each issuer. Contact them immediately if your credit card is lost or stolen. Be sure that you open credit card bills promptly and check for unauthorized transactions or billing errors. If you see fraudulent activity, notify your issuer immediately. CPAs suggest that you check your credit report at least once a year to be sure it is accurate. What’s in your credit report can determine whether you can get a car loan, rent an apartment, or even get hired for a job. The Wisconsin Institute of CPAs is the premier professional organization for Wisconsin CPAs, with more than 8,200 members in public accounting, industry, government and education.
Except when absolutely necessary, you should never charge more than you will be able to pay back when the bill arrives.
FALL 2008 BTS GUIDE 17
Travel in Wisconsin
FALL
With forest covering nearly 40 percent of the state, Wisconsin offers some of best fall color touring in America. Each autumn, the state becomes a patchwork quilt of burnt umber and raw sienna, with leaf colors peaking from mid-September in the Northwoods region to late October in the southern counties. But the colors of fall aren’t just in the woods. Wisconsin’s farmers markets, roadside stands and fall harvest festivals burst with everything from crimson cranberries to orange pumpkins, green peppers to golden apples – not to mention the amber hue of Oktoberfest beer. Fall is also a prime season time for mature travelers to enjoy the state’s pristine waterways, trails and state parks apart from summer crowds, or to exercise their brains at a historical re-enactment, museum or offbeat folk art destination.
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Travel in Wisconsin
FALL
Here are just a few of the opportunities Wisconsin can offer this fall: Small Towns, World-Class Festivals
Though the town of Warrens (pop. 286) has only a few hundred full-time residents, it swells to 100,000 during the last weekend of September, when it hosts the largest cranberry festival in the world. A similar transformation takes place in Monroe (pop. 10,843) in the end of September, when it hosts the bi-annual Green County Cheese Days Festival attracting in excess of 80-100,000 visitors. In fact, fall has long been “festival season” in small towns across Wisconsin, and many of those festivals have grown into world-class affairs. Among the most significant are the massive Oktoberfests in La Crosse, Appleton and Chippewa Falls; Milwaukee’s Indian Summer pow-wow event; and Eagle River’s Cranberry Fest.
Relive History – or Peek into the Future
Wisconsin gets back in touch with its history during the fall season, putting on a wide array of historical re-enactments and ethnic heritage festivals like the Wilhelm Tell Festival in New Glarus, the Civil War Encampment at Old World Wisconsin, the Villa Louis Carriage Classic in Prairie du Chien and the 18th Annual Wade House Civil War Weekend in Greenbush. This fall, Wisconsin also celebrates the recent openings of three museums honoring specific aspects of Wisconsin’s (and America’s) history – the Civil War Museum in Kenosha; the National Brewery Museum in Potosi; and the Harley Davidson Museum in Milwaukee. Meanwhile, Milwaukee’s Public Museum will be on the radar of history buffs as it features the blockbuster “Titanic” exhibit. Visitors can also catch a glimpse of the future, as the dedication of the US Navy’s newest and most high-tech battleship, the USS Freedom, is slated for a fall commissioning ceremony in Milwaukee.
Gas-Free Ways to Experience Fall Color
Fall color touring is often associated with auto trips, but the view is just as nice (if not better) for hikers, bikers and paddlers – particularly since an expensive fill up at the gas station is not required. Wisconsin state and national trails wind through forests, wetlands and farmland, along lakeshores and between small towns as well as urban neighborhoods. Cyclists have their pick of single-track mountain-biking trails, on-road touring routes or “rails-to-trails” conversions, including the new Badger State Trail, which connects Madison to the Illinois state line. Other top trails include the nation’s first rails-to-trails conversion, the Elroy-Sparta; as well as the Ahnapee and Gandy Dancer State Trails. Mountain bikers love the wooded, twisting CAMBA (Chequamegon Area Mountain Bikers Association) Trails, while Olympic hopefuls can test themselves on the John Muir/Emma Carlin Trail System in the Kettle Moraine State Forest Southern Unit – it is a potential competitive venue if Chicago wins its bid to host the 2016 Olympics. Paddlers will find a variety of opportunities in the state – from placid lakes and rolling rivers to raging whitewater streams. Among the top destinations are the Brule, Bois Brule, Wolf and Kickapoo rivers.
Embrace The Unusual
Wisconsin has always embraced the innovative, the unusual and, yes, even the eccentric. From the stunningly original architecture of Frank Lloyd Wright’s Taliesin or Alex Jordan’s House on the Rock to quirky folk-art sites such as the Dickeyville Grotto or Prairie Moon Sculpture Garden, the creativity and originality of Wisconsinites has manifested itself in many unique, offbeat and oddly beautiful ways. That “free-to-beourselves” attitude also means holding onto old school customs -- traditions and foods that are simply too good to be displaced by generic modernity. That’s why you can still find a Friday Night Fish Fry in almost any Wisconsin city and why Northwoods-style “supper clubs” dot the landscape from Balsam Lake to Madison. With kids back in school and peak-season crowds long gone, fall is a perfect time to indulge your inner child with one of these fascinating destinations. For free Wisconsin travel information and travel-planning guides, including the 2008 Wisconsin Fall/Winter Events Guide or the Wisconsin Activity Guide, visit travelwisconsin.com or call the Wisconsin Department of Tourism’s toll-free number 1-800-432-TRIP/8747. Travelers can also obtain guides and information at the Wisconsin Welcome Centers, located in select state-border cities.
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FALL BTS GUIDE 21
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