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SNS - You've got your letter of acceptance in hand for graduate school at the university of your choice or a new job in college town. Are you ready to embark on an exciting adventure in higher education in the coming spring semester or next August? Moving to a college town is more than just a change of address. Regardless it you are an incoming freshman, transfer student, or graduate student pursuing an advanced degree, moving to a environment can be a transformative experience. Below is a comprehensive checklist for making that big move to campus and ensuring a seamless transition. This guide was developed with you in mind to help navigate the often-overlooked aspects of college-town life. Researching the college Embarking on your college journey begins with a crucial step in our checklist for moving to a college town: thorough research. Picture yourself going on an exciting expedition. Arm yourself with the knowledge to make informed decisions. Explore the campus layout virtually. Trace your footsteps from lecture halls to coffee shops, workout facilities and your college team's stadium. Next, check out the academic world. What courses resonate with your passions and aspirations? Seek out professors who inspire you and research their work.
The student union is a great place on campus to meet new people and find organizations that fits your intersts.
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Finally, explore student organizations and clubs, discovering where your interests align. On campus, there is a niche for everyone, from debate societies to club sports teams to cultural clubs. Here, you will make new friends, too, some for life. Overall, your college experience is as unique as you are, and this knowledge empowers you to find the perfect fit. Finding suitable housing From on-campus dorms to off-campus apartments or rental houses, there's a match for your preferences and budget. Consider proximity to classes, amenities, and transportation. Do you prefer the convenience of walking to campus, or are you open to a short commute? Think about roommates, too, whether you're sharing with friends or going room with a complete stranger. Clear communication and shared expectations make for harmonious cohabitation whether it is your BFF from high school or some you just met. Budgeting as part of the checklist for moving to a college town Budgeting is the compass that will guide your financial journey as you prepare to move to a college town. Begin by creating a comprehensive and detailed budget that covers all your expenses. Factor in your rent or housing costs, utilities like electricity, water, internet, groceries, transportation, and personal expenses. Don't forget about textbooks, school supplies, and any course-related expenses. Allocate funds for entertainment and leisure activities, too — because, face it, having fun is important. Track your spending using apps or spreadsheets to monitor every dollar in and out of your accounts. That helps you stay on top of your finances, preventing calling mom or dad for extra cash when those nasty surprises occassionaly pop up. Consider setting up a separate savings account for emergencies or unexpected costs at a local bank. It's your safety net if things don't go according to plan. Be disciplined and realistic about your budget. Adapt and adjust as you go along, making necessary tweaks to ensure your financial well-being. Planning the move to college town The first thing you will want to do is create a detailed checklist that outlines every step, from researching housing options to packing essentials. Be proactive and start early to avoid last-minute stress. In addition, consider hiring professional movers, like Beltway Movers Maryland states that this will help your transition go super smooth. It is smart to label your boxes for easy unpacking. Notify your current and future utility providers, if necessary, about your relocation and ensure you have all the necessary services in your new place before arrival. At the same time, purge unnecessary items during the packing process. It's a great opportunity to declutter and streamline your belongings. Prepare an essentials box with items you will need right away upon arrival. Include toiletries, clothes, important documents, and any daily necessities. Contact potential roommates or neighbors to introduce yourself and establish a connection before moving in. Keep important documents (like your lease, ID, and financial records) organized and easily accessible during the move.
Public transit is a student's best friend in many college towns like on the campus of the University of Illinois. The MTD system provides transportation throughout the twin city community.
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Getting around town and campus Finding housing and transportation before you move is a key part of the checklist for moving to a college town. Will you rely on your car, or is public transportation more your style? Consider the cost, parking availability, and environmental impact. If you're considering biking, explore bike-friendly routes and invest in a sturdy lock. It's a fantastic way to stay fit and eco-conscious while getting around. Public transit is a student's best friend in many college towns: research bus and subway routes, schedules, and passes. Most colleges offer student discounts that can lighten your financial load. Ride-sharing services like Uber and Lyft, provide flexibility without the commitment of owning a car. They are perfect for occasional trips or late-night study sessions. Walking is eco-friendly and a great way to discover hidden gems around your campus. Check out the weather Start by checking the average temperatures in your college town throughout the year. Will you deal with chilly winters, scorching summers, or mild, temperate weather? Also, rainfall patterns matter. Are you moving to a place with frequent downpours or a more arid climate? Knowing this will help you prepare with the right clothing and gear. Also, consider the local terrain. Does your college town experience heavy snowfall, and do you need to prepare for icy sidewalks and roads? Or will you need sunscreen for those sunny days? Keep an eye on the area's weather trends and extreme events. Is it prone to hurricanes, tornadoes, or wildfires? Understanding these risks will also help you prepare and stay safe. Weather apps and local news sources are invaluable for real-time updates. Knowing what to expect means you're always ready for whatever Mother Nature throws your way. So, grab your raincoat or sunscreen and embark on your academic journey in style, come rain or shine. From researching the college's culture to budgeting wisely, every step of this checklist for moving to a college town contributes to a successful relocation. In your college town, you'll find an academic community and a dynamic environment waiting to be explored. Every experience is a stepping stone toward a bright and promising future, from the classrooms to the local hangouts. So, embrace this exciting chapter with enthusiasm and confidence. You're equipped with knowledge and insight to make informed choices, ensuring your college experience is fulfilling and rewarding.
Social Security recipients will receive an 8.7% increase in their monthly income starting in January. The average increase will fall between $150 to $250 per month. This will buy you a tank of gasoline or a sack of groceries. The increase will help about 70 million retired Americans.
Inflation has devoured Americans’ paychecks as groceries, fuel, rent and now interest rates have skyrocketed. By the time the January increase comes around you probably will have lost most of your increase to these and medical costs associated with Social Security.
Pay all you can into Social Security. Too many young adults buy into the rationale that Social Security doesn’t pay much or won’t be around when they retire. On some level it will be around and you’ll need it when you retire.
Business persons, farmers, hospitality people, clergy and others make a big mistake in finding ways to only show a small income when they file their taxes. This reduces the amount of taxes owed and lowers how much paid into Social Security. When retirement comes these people become very sad when they find out they will only receive a minimal amount of Social Security income.
One minister friend opted out of paying into Social Security because of religious objections.
When he was 70, he had almost zero retirement and worked up until his death. Another ministerial friend claimed very little salary and received very little in Social Security payments when he retired. He spent his last couple of years cleaning hotel rooms and working at Kentucky Fried Chicken trying to survive. A farmer acquaintance worked hard for many years but doesn’t collect a penny in Social Security benefits. You have to pay into it to collect it so don’t short-change yourself.
The average Social Security payment in 2022 is $1,614. Many people who worked less years and paid less collect less than this amount. Some Americans who worked longer, earned more income and paid more into the system are collecting $3,345 per month. Again, these numbers will increase in 2023 by 8.7%.
Sometimes people retire too early. A friend retired at 62 and received $1100 per month in Social Security income. At that time, he would have collected several hundred more if he could have worked just three more years.
Pay into an Individual Retirement Account, 401k and anything else you can. You can’t live big just on a Social Security check, but pay as much as possible into the system now because it will be helpful later.
