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Monday, March 4, 2019
Tips for financial success while in college Hi Taylor - I’m starting my second year at Texas A&M and I’m trying to keep my finances under control. I work part-time and have my tuition covered, but I want to make Taylor Kovar sure I’m setting myself up well for when I graduate in a few years. Any advice? - Ana Paula Hey Ana Paula - My main advice is to keep doing what you’re doing! Sounds like you’re on a great path for financial success. I do have some thoughts that could help you save more and make the most of the money you’re earning now. It’s so important to save when you’re young, so see if you can use the following tips to help you build your wealth.
job, you can end up very wealthy in a few decades. If you’re working now and earning money that doesn’t need to be spent, stash that capital away in an IRA and let it grow. Future Ana Paula will be very grateful! Keep learning about money. One of the smartest choices I ever made was to start educating myself on wealth and investing. It seems like you already have the interest, so use the resources at Texas A&M to gather information about wealth management and all the ways investors increase their earning power. If you have a few general education units that can be filled with an accounting class, hop in there and see what you can learn. If you graduate with a degree and a strong concept of how the money markets work, you’ll be in really good shape. I appreciate you reaching and I’m excited about your bright future, Ana Paula. Keep on being smart with your money and you’ll achieve great things. Enjoy the coming year!
Stay frugal. College is a lot of fun and presents you with a lot of different potential adventures. You should take advantage of as many opportunities as possible, but you need to stay within your budget. Taylor Kovar, CEO of Kovar Don’t let your peers talk you into Capital. Read more about Taylor going out every night and try not at GoFarWithKovar.com to buy too many meals as you’re running between classes. Most Disclaimer: Information universities have a lot of perks that presented is for educational can help students save money, so purposes only and is not an offer look into the most affordable meal or solicitation for the sale or plans and used books and other purchase of any specific possible money savers. If you can securities, investments, or cut costs in creative ways, you’ll investment strategies. find yourself in a good spot when Investments involve risk and, you leave school. unless otherwise stated, are not guaranteed. Be sure to first Start a retirement account. It’s consult with a qualified financial probably pretty hard to wrap your adviser and/or tax professional mind around retirement when you before implementing any have yet to graduate from college, strategy discussed herein. To but saving early in your life is the submit a question to be answered greatest gift you can give yourself. in this column, please send it via Compounded interest is an email to amazing thing, and if you’re able Question@GoFarWithKovar.com, or to start putting away a few via USPS to Taylor Kovar, 415 S hundred or a thousand dollars a 1st St, Suite 300, Lufkin, TX year before you have a full-time 75901.
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Living with children I’ve been writing this column for forty-three years and speaking publicly for nearly as long. If there’s one thing I’ve learned it’s that when it comes to my subject John Rosemond matter, you can’t win ‘em all.
neighbors and next-of-kin may not know who they are either. Some of said folks do the right thing where their kids are concerned, but lack depth of feeling. They’re just going through the motions, for which we should all be grateful.
That sort of stuff has long ceased to puzzle me. Besides, it happens very rarely these days, primarily because most of the folks who come to my presentations know what to expect: to wit, psychological heresy. But, “rarely” is the operative word. After a recent talk in California, a woman cornered me and began berating me for putting too much emphasis on the need for proper discipline.
The converse of loving parents doing unloving things is that loving acts do not necessarily appear to be or feel loving at the time. For example, children do not like being disciplined, but the fact that a child does not like what a parent has done does not define the act as unloving. I’ve said it before, but it can’t be said enough (for today’s parents): Children don’t know what they need; they only know what they want.
Fourth, even people who genuinely, self-sacrificially love their children do unloving things. They may have screamed at their children or spanked in a rage. “Unloving things” can and does even include things many if not most other parents are doing. For What is now called “parenting” has example, loving parents may drag become a highly emotional subject their children around to one afterschool activity after another, for many, right up there with depriving their kids of religion, politics, and pit bulls. discretionary time (which ought to Early on in my career, it puzzled occupy a significant slice of a me when people became bent completely out of shape, taken over child’s life). Or they may defend by emotion, over something I said. their kids when they get into trouble in school, undermining People storming out of my their kids’ respect for adults. They presentations was common. On three occasions, people stood up in may solve every problem their kids encounter, depriving their kids of the middle of talks and began responsibility and emotional shouting at me. Twice, sponsors resilience. A loving act is not had to hire security because of defined by good intentions. threatened group disruptions.
“You need to tell people to love their children!” she nearly shouted, fighting off tears, before marching angrily away. It is relevant and only fair to note that she had identified herself as an abused child. (It is also only fair to note that I had told my audience, as always, that unconditional love is no less important to proper childrearing than unequivocal authority.) Had she stuck around, and had she been able to hear me with some degree of objectivity, I would have told her that there’s not much point in telling parents to love their children. Let’s face it, a parent is either going to give up his seat in a lifeboat to his child or he is not, and me saying, “You should give up your seat in a lifeboat…” is not going to make any difference. Furthermore, the human capacity for self-deception is pertinent. A person who says (and even believes) he is so willing may, when push comes to shove, leave his child to sink or swim.
Come to think of it, there are no small number (these days) of adults who fit that description. Family psychologist John Rosemond: johnrosemond.com, parentguru.com.
John Rosemond has worked with families, children, and parents since 1971 in the field of family psychology. In 1971, John earned his masters in psychology from Western Illinois University and was elected to the Phi Kappa Phi National Honor Society.
The second relevant consideration here is the fact that people who do not love their children are not in my audiences, nor are they likely readers of this column. My sponsors frequently lament that the parents who most need to hear me didn’t show up. Third, people who don’t possess genuine, self-sacrificial love for their children don’t always know who they are. Their next-door © 2019 The Howe Enterprise
