$10,000 African American Study Abroad Scholarship

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Did you know that the United Negro College Fund had a $10,000 scholarship to help Black students in the United States study at a University on the continent of Africa?

The Joseph A. Towles African Study Abroad Scholarship is named in memory of Dr. Joseph A. Towles, a black social anthropologist and specialist in the study of African cultures. Dr. Towles, a native of Virginia, earned his doctorate at the Makerere University in Kampala, Uganda.

This makes me wish I was still in school so I could apply for this scholarship. I’ve been to twenty countries on five continents but I’ve never had the pleasure of studying at a university abroad. There are only three more days to get your application in. Hurry. This is a great opportunity.

African American Study Abroad Scholarship
United Negro College Fund
Deadline to Apply: Nov. 3, 2017
Award Amount: up to $10,000

By providing financial assistance for UNCF students to study at an established university within the continent of Africa, The Joseph A. Towles Scholarship will allow students to receive an incredible academic experience and exposure to the rich traditions within African cultures.

Click here to visit the United Negro College Fund’s page.

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FREE Workshop: Paying for College

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There have been some changes to the way high school students apply to FAFSA. Families need to know what the changes are, what the important dates not to miss are, and how to get students graduated from college not mired in debt.

Financial education speaker and the author of “10 Things College Students Need to Know About Money” Shay Olivarria will be facilitating a FREE workshop in San Diego, CA to help families figure it all out.

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In this dynamic one hour workshop students and parents will learn about the changes to the FAFSA application, scholarships, student loan types, and repayment options.

Families will leave with a handout of important terms, tips, and dates. Graduating from college is not just about having the grades to get in. It’s about finding a school that’s a good fit, paying for it without going broke, and creating a network to build a career.

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FAQs

What can I bring into the event?

Bring a pen or pencil. This is a workshop (you’ll be engaged) not a lecture.

How can I contact the organizer with any questions?

Call (323) 596-1843

What’s the refund policy?

Early Bird ticket holders will receive a free copy of “10 Things College Students Need to Know About College” at the event. If you don’t show, you don’t get your copy. Books will NOT be shipped.

Do I have to bring my printed ticket to the event?

Yes. Seating is very limited so tickets will be necessary. Showing your ticket on your phone also works (save a tree).

Is it ok if the name on my ticket or registration doesn’t match the person who attends?

Yes. Whoever shows up needs access to a ticket. If you booked a ticket for yourself and now your cousin wants to come instead, that’s fine.

 

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Shay Olivarria is the most dynamic financial education speaker working today. Previous clients include: SCE Credit Union, American Airlines Credit Union, the Yorba Linda Water District, Verizon, among others. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times.The 2nd edition of “10 Things College Students Need to Know About Money” is available now.

 

 

FREE Webinar for College Freshman

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Have a high school grad that’s headed to college? Did you learn some financial lessons the hard way and prefer that your child not make the same mistakes? You’re in luck! This September financial education speaker and author Shay Olivarria is hosting a FREE (yes, that’s f-r-e-e) webinar to give college freshman a leg up.

 

Freshman Facts: 5 Things College Freshman Should Do to Build Wealth

 

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Engage in this dynamic, fast-paced webinar with financial
education speaker and author Shay Olivarria. Participants will learn:

– Where to put financial aid money for best money management practices.                           – How to spend money, have fun, and be responsible.
– What accounts to open to build credit scores.
– Where to put your pennies to become wealthy.
– Pros and cons of available personal finance apps to leverage your current behaviors.

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Shay Olivarria is the most dynamic financial education speaker working today. Previous clients include: SCE Credit Union, American Airlines Credit Union, the Yorba Linda Water District, Verizon, among others. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times.The 2nd edition of “10 Things College Students Need to Know About Money” is available now.

 

myRA Might Be the Solution for High School and College Students

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If you’ve read “10 Things College Students Need to Know About Money” you know that I am a HUGE advocate of young people investing from retirement as soon as they have earned income. For many people that time is while in high school or college while you’re working part-time or eeking a living out of financial aid. Often, young people don’t know how to open an Individual Retirement Account (IRA) or don’t think they have enough money to open one (get my list of investment accounts you can open for less than $100 here).

The United States government is here to help with the new myRA (my retirement account, get it?). According to the U.S. Treasury,  these accounts are:

  • Easy to set up (you can have the money deducted from your payroll check if you wish)
  • Designed to help people with little money or no access to a retirement plan from work.
  • No risk of losing money (funds are invested in a Thrift Savings Plan-like account)
  • The funds you invest are NOT tax-deductible but you also can take them out whenever you like without penalty.

The best part? There is no minimum amount required to start an account and according to Forbes, ” additional contributions only have a minimum of $5.” The goal is really to get you into the habit of investing when you are young and have few dollars. The return isn’t great (think 1% or 2% per year) compared to a regular traditional or Roth IRA or 401(k)/403(b) but starting now with a few dollars and little interest is better than not doing anything.

Fool.com also notes:

Account holders can contribute up to $5,500 per year ($6,500 if over 50) and may continue to contribute until their total account balance reaches $15,000. All funds are invested in a newly created Treasury bond

Once you’ve grown a nest egg big enough to open a traditional or Roth IRA, or you have a job that provides a 401(k) or 401(b) hopefully with matching, you can roll the money over into a new account.

Click here to find out more about myRA accounts.

 

 

Financial Resources for Foster Care Students

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I attended undergrad and grad school.

I started my company, Bigger Than Your Block, back in 2008.

I have traveled to 18 countries on 5 continents.

I was a foster kid that aged out of the system at 17 years old.

Fewer than 3% of foster kids earn a degree. I was one of the lucky ones. There shouldn’t be “lucky ones”. We have to do better.

I found this list of scholarships and grants for college students that are wards of the state. The Fostering Access to College Education (FACE) page has tons of good stuff.

First, eligible current and former foster youth may apply online for the Chafee Grant at www.chafee.csac.ca.gov. Grants are for eligible applicants ages 18-23 for up to $5,000 to assist with college tuition or job training. Youth must have been in foster care at or after the age of 16 to be eligible.

Other valuable sources for scholarship money are as follows: 

  • Promises2Kids Guardian Scholars Program (www.promises2kids.org). The Program provides scholarships also up to $5000 per year to former foster youth enrolling in two and four-year colleges. Applicants should apply at the same time as their FAFSA filing (between Jan. 1 and Mar. 2). 
  • Just in Time for Foster Youth: www.jitfosteryouth.org (approximate deadline is May 1–check website for updates). Its “College Bound” program provides laptops, printers, school supplies and/or dorm room/apartment furnishings for selected youth.
  • Fostering Opportunities Dollars for Scholars: www.mydollar.org (approximate deadline is July 1 for fall semester and October 1 for spring semester–check website for updates). A $500 grant per semester is available to former foster youth enrolling in San Diego colleges or universities.
  • San Diego Foundation (http://www.sdfoundation.org/GrantsScholarships/Scholarships/ForStudents.aspx) or call 619-814-1307. The San Diego Foundation is a clearinghouse for a large number of private scholarships, each with different sets of criteria. Scholarship applications may be filed online between Dec. 1 and February 9th (for first-time users). All application  materials are due February 13, 2012 at 5 PM. Check the website for details.
  • Change A Life Foundation: http://www.changealife.org/how_to_apply/default.aspx. You may file your scholarship application between Dec. 1 and March 15. San Diego residents with questions may contact Cat Gomez-Holly at cgomezholly@changealife.org.
  • Orphan Foundation of America (OFA): www.orphan.org (approximate deadline is Mar. 31–check website for updates). OFA serves foster teens throughout the country and provides college scholarships.
  • Gates Millennium Scholars Program: www.gmsp.org (early January deadline for outstanding African American, Native American, Hispanic American and Asian Pacific Islander American students)
  • Hispanic Scholarship Fund: www.hsf.net (for Latina/Latino students–deadlines vary)
  • UNCF: www.uncf.org (for African-American students–deadlines vary)

 

 

Finally, you may search the internet for other private scholarships by using a free Webbased search engine. Try www.fastweb.com or www.collegeboard.com/pay. You should never pay to find, apply, or receive a scholarship.