5 Ways to Earn Your College Education With Less College Student Credit Card Debt

If college students could have one wish it might be to receive a good college education without having to spend the next twenty years paying off massive student loans and college student credit card debt.

"Genie, grant me my wish." Poof. What college student credit card debt?

Dear Aladdin wannabe's, if only it was that easy! The truth is you can earn a great college education with less college student credit card debt. It takes a little money management savvy and an incrementally un-American concept called self-control.

"There are more money issues for today's students than in any other generation before them," says Todd Romer, executive director of Young Money Magazine.

From the rising cost of colleges to luxuries like cell phones and high-end dining establishments that are popping up all around college campuses, you may find yourself graduating into college student credit card debt hell by the time you're twenty-two years old. And all you really wanted was a debt-free college education!

If you're looking to stress less about money and be proactive about college student credit card debt, give the following tips a try:

1. Use credit cards sparingly.

The average credit card debt owed by college students is about $ 2,700, with close to a quarter of students owed more than $ 3,000. About 10 percent owed more than $ 7,000! That's not even including student loans.

"Getting a credit card is not a bad idea," says Romer. According to a recent study of student loan applicants conducted by Nellie Mae, a leading provider of higher education loans, 78 percent of all college students today have at least one credit card. That being said, Romer advises that college students keep your credit card in the deepest part of your wallet to use for emergencies and / or large purchases that you know you will pay back within thirty days.

Have a tendency to use credit cards as, say, gift cards? Romer suggests that college students call their credit card company and ask them to put a $ 500 max on the card. Also have them not change the limit until you are the one who communicates to them that you want to increase your credit limit. "Until you become more responsible, and that just evolves over time, have a third-party reign in on your spending," adds Romer.

But how can you earn a college education minus college student credit card debt when some colleges and universities form multi-million dollar partnerships with credit issuers and give them the go ahead to solicit students right on campus? "If you see a Bank One credit card table showing up at your school in the student union once a week, just realize that you do not have to participate in the promotion on campus," says Romer. "Treat it like anything else you're going to be temped with in this world.

2. Start a budget (ahem) weekly spending plan.

Yeah, a weekly spending plan is a sneaky euphemism for a budget, but …

Top 10 Art Schools

The top 10 art schools focus on the visual arts, such as graphic design, illustration, painting, photography, and sculpture according to the author’s best research results.

1. The California Institute of Earth Art and Architecture is at the progressive end of Earth Art and Ceramic Architecture technologies today.

2. Creative people require creative careers. The Art Institute of Phoenix leads the way to these opportunities. Programs focus on design- advertising, graphic, interior, and Web design.

3. The Sterling and Francine Clark Art Institute offers an self-governing research and academic program designed to encourage new approaches to the understanding of issues and objects from an adaptable style of art.

4. The Cranbrook Academy of Art, located in the affluent Detroit suburb of Bloomfield Hills, MI, is a prominent graduate school of architecture, art and design. Founded in 1932 by philanthropists George Gough Booth and wife Ellen Scripps Booth, it is part of the larger Cranbrook Educational Community, also founded by the couple.

5. The New York Academy of Art or Graduate School of Figurative Art is the only accredited school of its kind in the world. Blending the traditions of the Italian and French Academies, the Academy focuses on the study of the human figure by rigorously studying anatomy, art history, sculpture, painting, and drawing.

6. The New School of Classical Art (NSCA) offers the Atelier Method of art instruction and is based in Pawtucket, Rhode Island, USA. It was founded in 2005 by the Master Painter and Classical Realism (arts)Artist Dana Levin.

7. The China Academy of Art has the most complete range of degree offerings and programs of study in fine arts in China. There are eight schools under its jurisdiction offering Ph.D., master’s and bachelor’s degrees in fine arts, design, architecture, multi-media and film.

8. Iceland Academy of the Arts (Icelandic: Listaháskóli Íslands) is an Icelandic arts school which offers education in arts at university level.

9. The Royal Academy of Arts is an art institution based in Piccadilly, London. The Royal Academy was formed to rival the Society of Artists after an unseemly leadership dispute between two leading architects, Sir William Chambers and James Paine. in Piccadilly, London.

10. The Royal Swedish Academy of Arts or Kungl. Akademien för de fria konsterna, founded in 1773 by King Gustav III, is one of the Royal Academies in Sweden. The Academy is an independent organization, which acts to promote painting, sculpting, building and the other visual arts.…

5 Emerging Tech Trends for Career Improvement

Tech trends are getting bigger and better every day. Technical advancements are integrating more resources as well as applying them in a methodical way. So, every tech domain is incorporating new technological advancements to do things in a simpler manner. In this article, we will discuss certain tech trends that can shape your career in IT.

Most important tech trends of 2018 are here in the following manner:

Artificial Intelligence:

In recent times, AI is coming into the big picture. Nowadays, technical experts are trying to implement AI technologies in most of the IT domains. An advanced neural network is more eligible to resolve real-time issues in a faster way. Furthermore, robotics is ensuring a better future prospect in every stream. Whether you are in health or in core IT, AI is proving beneficial for you.

Data Science:

In today’s world, probably data is the most costly thing that can determine business objectives. Our day-to-day life is full of data and it is also coming from the personal social media usage. Increase in data size is inversely proportional to the storage space. The more you store data, the less you are left with the storage space. Data science is a vast subject, where big data plays the most important role. It helps you to store and manage data in an organized manner. Due to the over increasing business outreach, the analysis of data has become most important in recent times. Different data analytic tools are getting used to derive the most sorted result.

Cloud Computing:

Things are becoming mobile nowadays so that we cannot depend only on the centralized resources. We need to connect with the database from anywhere anytime. Here comes the importance of cloud computing, where everything is accessible from a distributed source and you need only good internet connectivity. That’s why cloud-based ERP solutions like Salesforce, Pega are also getting popular.

Advanced Machine Learning:

Machine learning is a special part of Artificial Intelligence that helps machines to grasp the real-life knowledge. Machine learning focuses on the internal computer programming that can boost the machine efficiency according to the real-life scenarios. Moreover, it is a vast section which considers many types of learning methods such as- supervised, unsupervised, semi-supervised machine learning algorithms as well as it considers reinforcement machine learning algorithm.

Mobile Technology:

Mobile technology has been there since the last decade. Both the iOS and Android are changing with the time. More and more features are getting added year after year in mobile technology. Now we all are in the smartphone era and more improvements are surely going to happen in upcoming days.…