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During High School, the goal was simple. Higher Grades =  Higher GPA = More Scholarship Money to College =  More Savings

Unfortunately that mentality SUCKS in college. I was so caught up getting good grades, the best grades possible, that I missed out on so much education. Sure the transcript says 4.0, but I never went on an interview that asked ” what was your grade in finance 200 ”

Today’s Lesson to my classmates is simple. LEARN. Take your 15 credits and break them down like this.

I have “Marketing” 2x a week for 1 hour 15 minutes each class. The person in front of the room is an expert. Pick their brain. Learn the material, don’t just memorize it. The test is not a test for your professor’s health. The test is to show you what you actually know so that when an employer asks you to do it, you can do it. In a world that is always evolving, there has always been one constant. Education is power. Do not stress about a grade. Do not memorize material just to forget it after you spit it on out a test. Do not cheat. Do not cheat yourself.

I unfortunately memorized so much in college. I said to myself, oh it is just a vocab test. I will have Google when I graduate to just look up a word when the time comes. No! It is more than just learning the word. It is about learning how to apply it. 4 years will fly by, but unfortunately you don’t really have 4 years to learn. you have a semester or two to become a master at that one subject. To soak in as much knowledge as possible.

For me, owning COREiculum requires me to wear a lot of hats. Some hats I never thought I would wear. Other hats I don’t want to wear, and some hats I want to wear, but I did not get the education behind it to do it successfully. I regret getting a 4.0 in college because I think I would be smarter with a 3.0

You will always hear ” it is not what you know, but who you know.” How about you become that person that everyone wants to know, simply because, you know everything you are suppose to know!

-Professor Stern

Photo Credit: NY Daily NewsHalloween came and went. Midterms are over. Next on our calendar is when we get to go home for Thanksgiving and YES! you get to eat “real food.”

One topic of conversation at almost every dinner table is the Black Sale Deals. Who’s the “crazy aunt” that is out at 4am or worse, who is the “bad cousin” that skipped dinner to wait outside of Walmart to buy Playstation 4.

We get it. We can get great gifts for awesome prices, and to the college student who works part-time or not at all, a dollar saved is a dollar earned. Below is a list of things to consider before you rush out the door and spend all your money on gifts for “everyone” (including mostly gifts for yourself. Hey you had a tough semester so far, you earned new Ugg boots)

1. Be prepared. This means studying the ads before Black Friday. By now, many of the major retailers have released their Black Friday in-store specials, so check one of the comprehensive Black Friday-focused websites such as bfads.net, blackfriday.info, theblackfriday.com, and gottadeal.com to see whether you’re getting the best deal.

2. Shop online first. In past years, some of the biggest retailers have offered online sales during Black Friday week that have included many of the same items offered as part of their in-store Black Friday events and often combined with low- or no-cost shipping deals. And some retailers will offer online exclusives you couldn’t get even by walking into one of their retail locations.

3. Sign up for e-mail alerts. Many retailers now use e-mail alerts to encourage store loyalty and frequent shopping. Sign up for alerts that will let you know about upcoming promotions and to receive coupons or discounts. Shoppers can also learn if the products they want are stocked and available, or if an item is eligible for a “buy online, pick up at store” option that can save shipping charges.

4. Use social media. Before you decide to buy, visit the Facebook pages and Twitter feeds of your favorite retailers and see if they’re offering any incentives, such as discounts, when you “like” their page or follow them. Also, if you have friends who’ll be shopping on Black Friday for similar items, text, tweet, or post to a social-media site the best deals you encounter, and hopefully they’ll return the favor.

5. Get appy.  Before you head out to the store, make sure your smart phone is charged and loaded with a few key comparison-shopping apps (such as ShopSavvy, ShopKick, and RedLaser) that will let you see special deals and compare prices while you’re in the store. Many include a bar-code scanner that lets you scan and compare prices, plus a QR-code reader that can sometimes get you coupon codes or special deals.
6. Create a budget—and stick to it. Many Black Friday sales, especially doorbuster specials that are typically available in limited quantities, are designed to get you into the store so retailers can try to sell you something more profitable. Decide ahead of time how much you want to spend, and resist impulse buying in the store, especially if you don’t know how good a deal you’re really getting.

7. See if you can get a price-match guarantee, and check store return policies. Often, stores say they’re suspending price-match guarantees during the Black Friday weekend, but you should ask for one anyway. After all, these are supposed to be “the lowest prices of the year!”

And to be safe, check your local chain’s return and exchange policies to make sure that they aren’t different for a Black Friday special. Sometimes, Black Friday sales are final, meaning the item can’t be returned. Other items may have a shortened return or exchange policy, or one where you can get only a store credit and not a refund. Also, make sure the store isn’t charging a restocking fee on a returned item.

8. Check the warranty. If you’re loyal to a certain brand, you may feel you’re aware of its standard product warranty. But even major brands offer special “derivative” models during promotional periods such as Black Friday, and they may alter the terms of their standard warranties for these sets.

9. Buy the item you really want, and avoid pricey accessories. Items designated as “doorbusters” draw us in because of their low prices, but they may not be the best products for your needs. In electronics, for example, this is especially true of bigger-ticket items such as TVs, which you’ll be living with for a number of years. But one of the easiest ways to blow your great deal is to pad the deal with pricey accessories. This is where retailers make their money, so avoid the hard sell. If you know you’ll need an HDMI cable, buy it ahead of time from an online retailer such as monoprice.com or bluejeanscable.com and avoid the temptation entirely.
10. Avoid the old bait-and-switch trick. If you’re really buying only on price, stick to your guns and don’t get pushed toward a more expensive model. Retailers will sometimes advertise a great deal on a certain TV but then denigrate it once you’re in the store, hoping they can push you to a more profitable model.

Thanks to Yahoo Finance for the tips!

 

Have you ever tried to turn up the music while studying or writing a paper? Maybe you should!

According to Charles Choi, “Scientists have uncovered the first concrete evidence that playing music can significantly enhance the brain and sharpen hearing for all kinds of sounds, including speech.” For instance, the “Mozart Effect” has been recently revealed as a molecular basis for a greater learning ability. Some of the hundreds of benefits to listening to Mozart are a decrease in learning time, improved test scores, a faster recovery in the body, an improvement in creativity and clarity, and a rise IQ scores by 9 points. Studies have shown, “students who sang or played a musical instrument scored 51 points higher on the verbal portion on the test and an average of 39 points higher on math.” The music of Mozart can relieve stress, improve communication and increase efficiency.

The brain regions involved in music processing are also required for other tasks, such as memory or language skills. The key is to make the correct music choice. Listening to your favorite song may not be a good idea, because you’ll want to sing along and forget what you’re working on. Stick to a classical or slower paced music to fill the background and keep you focused.

photo credit: www.weheartit.com

photo credit: www.weheartit.com

Music, as we all know, can also dramatically improve our workouts. A great, motivational and intense song can keep us on the treadmill a few extra minutes, or allow us to finish that extra rep. Whether you’re studying or burning the calories, turn up the music!

From: http://www.howtolearn.com/products/mozart-effect