As a young person starting out as a college freshman or even for those who are in their second or third year of college, now is the time to start thinking about money. College is often the time when most young adults are forced for the first time to handle money on their own. They have to budget, find a bank, pay bills and be faced with choices involving insurance, credit cards, and even investments.
When it comes to being prepared for these types of decisions, there are a few tips that can help. Here are some of these tips that can help you get started with your financial future.
Finding a bank that works for you
The college years provide a great time to evaluate the different banking options that are available to you. The bank account that you used during high school may no longer be the best option, especially if you are going far away from home.
Do some research about banking products and services that are available. Choose a bank that will best meet your needs and ultimately help you save money. For example, there are some banks that will offer low minimum daily balances, which is beneficial for most college students. Other banking features that may be convenient for college students include online bill pay, mobile deposit captures, and person to person pay options.
It is important to be smart with your money and know how to save, invest, and pay off debts. There is no reason that as a college student you should not start saving money. Using a mobile account makes budgeting and saving money quite easily. There are several great apps that can help you do this. Some apps to consider include Level, Saved Plus, and Mint.
Use credit responsibly
Perhaps the most important piece of financial advice for a college student is to be smart with your credit cards. Many college students are bombarded with credit card options. Do not be tempted to open up a bunch of credit accounts at this time.
It is important to build your credit and to do this you can open up a credit card. However, make sure that you choose a card that does not have an annual fee, provides good rewards and offers a decent interest rate.
When you open up your credit card make sure that you use it responsibly. Do not go out and make large purchases that you cannot afford. The best way to build up your credit is to use your credit card for gas or groceries and then pay the bill as soon as it comes in.
Most college kids do not think about investing while they are still in school. However, it is definitely something that should be considered. There are many low budget investment opportunities available and investments offer a way to provide for your future.
Glenmore Investments is one of the platforms where you can learn more about the investment options that are suitable for you.
Do you have an ear for genre-bending live music?
Looking for ways to explore interesting places in Charlottesville?
Be sure to check out WTJU Radio’s 2016 Levitt AMP Charlottesville Music Series — 10 free outdoor concerts at the IX Art Park near downtown Charlottesville.
The popular free concert series, which drew more 14,000 people in its first run in 2015, has returned to the IX Art Park at 522 2nd Street SE. WTJU 91.1 FM and the IX Art Park are proud to co-present the concert series again this fall.
“These concerts feature great live music, of course. But they’re more than just entertainment,” said Nathan Moore, general manager of WTJU. “The overarching goal of this music series is to bring together groups that often don’t see much of each other. We hope to overcome barriers and strengthen the social fabric of our community through shared music experiences.”
According to Moore, vibrant public places like IX Art Park help knit a community together, and this concert series will build on the pride that Charlottesville takes in its robust music scene. WTJU and the IX Art Park are using this concert series amplify community pride and celebrate Charlottesville's unique character.
All concerts are FREE and open to the public. Details are online at http://wtju.net/fallconcerts. This year’s concert series features an all-star lineup:
Sep 10 (Sat), 5-9pm • Vibe Riot • Mighty Joshua
Sep 17 (Sat), 12-9pm • CVILLE SABROSO LATIN AMERICAN FESTIVAL
Sep 24 (Sat), 12-9pm VEGGIE FEST • New Boss • Eternal Summers
Oct 1 (Sat), 5-9pm • CHIX • Sally Rose Band • Erin & the Wildfire
Oct 8 (Sat), 5-9pm • Dharma Bombs • Naughty Professor
Oct 14 (Fri), 5-9pm • Morwenna Lasko & Jay Pun • Baaba Seth
Oct 21 (Fri), 5-9pm • Lord Nelson • Black Masala
Oct 28 (Fri), 5-9pm • Zuzu's Hot Five • Bumper Jacksons
Concert events also feature food trucks, soft drinks and beverages from Three Notch’d Brewing, Blenheim Vineyards and Potter's Craft Cider.
Funding for the series was made possible by grants from the Levitt Foundation, the Charlottesville Albemarle Visitor's Bureau, Bama Works and many other generous sponsors.
ABOUT WTJU & IX ART PARK:
WTJU builds community through great music. It has been the University of Virginia’s community radio station six decades, broadcasting at 91.1 FM to Charlottesville and surrounding areas, and streaming online at wtju.net. WTJU airs multiple genres of music throughout the day, and builds community through curated web content, concerts, live remote broadcasts, and educational programs. UVA’s student radio station, WXTJ 100.1 FM, shares studios and infrastructure with WTJU. Both stations rely on volunteer DJs, and potential hosts can apply online at wtju.net.
In its short two-year history, the IX Art Park has grown into an incredible example of creative place-making: a walk-through, sculptural, mural-festooned place that’s free and open for the public to wander. The Art Park has become home to a weekly drum circle, a monthly pop-up DIY craft market, and a variety of special events throughout the year.
The recent drop in crude oil process has left an impact in all areas of business. The price of oil effects the entire economy. The main reason for this is because when gas costs are lower the cost of shipping items goes down. This is reflected in the prices of various items throughout the market.
Businesses can protect themselves from the rise and fall of gas and oil prices by fuel hedging. This contractual tool allows a company to cap or fix a fuel price at a specific level for a specific amount of time.
Why use fuel hedging for your business?
If your business is exposed to the fluctuation of prices in the oil market, hedging provides a tool that can help eliminate some of the risks involved of the fuel budget going out of control. Here are some reasons why fuel hedging is important:
- The gas and oil market is volatile and the prices of oil fluctuate a great deal
- Oil costs represent a large portion of operational costs
- Provides insurance against price fluctuations
- Provides a proactive strategy for protecting a company’s budget
Example of a short hedge futures investment for oil companies
One of the ways an oil producer can hedge against lower prices is by taking a position on the futures market. A short hedge can be implemented in order to lock in a future selling price for crude oil production that will be ready to sell at some point in the future.
For example, an oil company may enter a contract to sell 100,000 barrels of oil that will be delivered in 3 months. The sale price is set at the current market price of $44 a barrel. The company can lock in this price for the 100,000 barrels using a short hedge. This means that even if the price of oil drops in 3 months, the company is still guaranteed to make $44 per barrel.
If the price of oil goes up during the 3-month time span the oil company may lose money on the contract. However, the hedge has created a buffer to stem any losses that may have occurred should the price of oil drop. Hedging essentially provides a buffer from huge losses, but can also lead to profit losses if the market turns and the price of oil goes up.
Long term hedges for businesses
In the same way that oil companies can hedge the price of selling future oil that is being produced, a company that uses crude oil can use a long hedge in order to secure a purchasing price for the commodities that are needed.
Crude oil futures are traded by companies and individuals who will assume the price risk that hedgers are trying to avoid. They will buy oil futures using trading platforms, such as those offered by Binary Uno, when they believe the price of the oil may go up. Conversely, if they believe the price of oil will go down, they will use the same platform to sell their futures – hence make their profits from making the correct guesses as to where the oil futures prices will end up.
Overall, long term and short term hedging against oil prices can be beneficial for both oil companies and individual business owners as it provides a form of insurance against fluctuating oil prices. It is important to have a plan in place for your company regarding the price changes of oil. Hedging allows companies to create a more accurate budget for their overall costs, which is extremely important for all aspects of business planning.
Do you expect to hear something new, innovative and grandiose? But most likely will be disappointed. There are no magic pills that you can take and forget about everything. There are certainly some medications that can calm the hormonal storm, but as you know, only the doctor can prescribe them. Nevertheless, some old but effective tricks exist that can help you cope with your hormones better than pills.
So here are the tips:
1. Fight Stress
Stressful situations and especially their consequences are the worst enemies of health. Fight with your strong emotional reactions to any negative events in your life. Learn to be calm, quiet, patient, forget about your nervous. When the level of stress rises in the body, it does not know how to react, as all our efforts were directed to rapid heartbeat and adrenaline. The adrenal glands begin to produce cortisol hormone in abundance. Excess cortisol during a long time can lead to high blood pressure, thyroid imbalance, bone density loss, hyperglycemia, weight gain, menstrual cycle problems and so on. Learn to manage stress through meditation or mantra, allow your body and mind to relax quickly after a stressful situation.
2. Sleep more
Sleeping is a great way for the body to recover, and to balance our hormones. Our body begins to give up without a good night's sleep. An adult body needs 7-9 hours of sleep. A smaller amount may cause various problems, including the ones with the endocrine system.
3. Exercise regularly and have sex
You are certainly aware how important it is to keep fit going in for sports. We do not expect that you would beat world records! But you will feel yourself much more comfortable and easier if you regularly engage your body in any kind of activity. You can get rid of the stress adrenaline that undermines your healthy hormonal balance perfectly well with a run, swimming in the pool, yoga and qigong. Also, growth hormone has a lot of benefits for energy, emotions, and memory that has proved National HRT. And it must be quite unnecessary to explain how beneficial quality sex life is on a woman's health.
We can say that sex is the most versatile way to bring the whole hormonal system in an absolute order. Do you need details? We think that orgasm will put everything in its place.
4. Proper Diet
When it comes to hormonal imbalance, it is best to eat natural food to avoid poisoning toxins and carcinogens that bring chaos to our endocrine system. Eat healthy raw food as often as possible. Especially effective is food full of vitamins and minerals, such as green leafy vegetables. It is always best to obtain essential nutrients from the whole food and not from some supplements.
5. Less caffeine
This step is very difficult for the fans of coffee. Coffee is not just an energetic tonic; it is a kind of ritual that brings the emotional background into a blissful harmony. A cup of coffee in the morning - and the world seems more pleasant. But you should know that caffeine is a stimulant, which boosts the hormones to a permanent reproduction. It's not that bad - it is just wrong when a foreign substance (a caffeine) gives a signal to hypothalamus – ‘Hey, work strenuously!’ So try to reduce the amount of caffeine at the expense of the number of cups or use more decaffeinated coffee.
6. Minerals and vitamins, especially vitamin D
Our body needs a certain amount of vitamins and minerals to work properly. The lack of them is manifested in different ways, including misunderstandings in the behavior of our hormones. Multivitamins cannot substitute all the products, but they provide your body with everything it needs. Therefore, keep the balance - maximum vegetables, fruit, herbs in summer, and compensate the lack of vitamins with pharmacy vitamins in other seasons. The sunny vitamin is important for the correct operation of the hormonal system. You know yourself how depressed your mood is, when there is no sun when everything is gray and gloomy. The benefits of vitamin D are evident, and if you cannot get it in a natural way, the alternative is the encapsulated drug.
Nothing gives such a huge source of energy for our body as a self-expression in things that you are most competent in. We are talking about the things that you give your heart to at leisure. You draw, sing, embroider, grow orchids, bake cakes or do handmade jewelry – the key element in all this is that these activities bring you pleasure. You may ask ‘What do hormones have in common with this’? The answer is simple, when you feel good, your soul sings and rejoices, the body produces serotonin hormone in large quantities - in the circulatory system, in brain cells, in the gastrointestinal tract, in the pineal gland and elsewhere in the body. Serotonin is responsible for appetite control - this means that you will not overeat and everything will be ok with your figure and your mood. It also helps to build the right structure of the bone tissue. So, osteoporosis does not threaten you if you'll indulge yourself in your favorite hobby.
These are just a few ways to balance your hormones naturally. Natural methods prolong our health, of course, if you are not dealing with a serious illness. So be always healthy!
Professional transcriptions get it right
It all started when people thought Jimi Hendrix was singing about kissing a guy instead of kissing the sky in his most famous song "Purple Haze." People have been mishearing lyrics in popular songs ever since, but modern voice recognition software takes the cake when it comes to lyrical blunders.
Take this infographic, for instance. It features a lyrical showdown between IBM's voice-to-text program Watson, referred to as "the smartest machine on earth," and professional transcriptionists Colby and Schenae. You know that feeling when you're using voice text and you say, "I love you, mom" but it is interpreted as "I mowed the lawn"? The same thing happens when Watson attempts to decipher song lyrics. The results show us that voice recognition software has a long way to go compared to actual human transcription services.
With Taylor Swift's song "I Knew You Were Trouble," Watson interpreted "a few mistakes ago" as "a few mistakes I go" and "you found me. You found me. You found me," as "you've gotten me." It's even worse on the second line of the verse when "I was in your sights. You got me alone" is read as "I was then you say. You got me a loon." Not only is Watson's interpretation nonsensical, it makes me feel bad for poor Taylor! Why is someone trying to woo her by giving her a loon? Did they bring bird feed too? Run, Taylor, run! Meanwhile, professional transcriptionist Schenae nails every line with no errors or missing words. Come on Watson, you've got to do better than this, right?
Later in the infographic, we see Elton John's classic song "Tiny Dancer" interpreted in an interesting way by Watson, and by interesting I mean almost entirely wrong. Schenae once again gets the lyrics exactly right, but IBM Watson really botches it. "Blue-jeaned baby" becomes "Blue gene bear bear yeah," "LA Lady" becomes "Lazy lately yeah," and "Seamstress for the band" becomes "seamstress for the man." Well then. According to Watson, we've got a recently-lazy bear with blue DNA, lots of yeahs for some reason, and something about it sewing for a man. Elton probably wouldn't have had such a hit with "Tiny Dancer" if those had been his lyrics.
The challenge also includes Van Halen's "Runnin' With The Devil" and Brad Paisley's "Ticks." Watson makes 33 errors across the four verses sampled, and entirely drops 29 words! In comparison, the transcriptions have no errors and no dropped words. "The smartest machine in the world" is not looking so smart when it comes to transcription.
The infographic is an amusing read, and you can take a look at it in this article.
Research has found that a balanced diet and steady exercise are the most reliable ways to lose weight. They have found that crash dieting and extreme measures might produce weight loss in the short-term, but they do not produce lasting effects. These effects are going to be short-term and damaging to your health in the long-term. Crash dieting and starvating produce short-term weight loss because they drain the body of fluids and send the body into starvation mode. In starvation mode, the metabolism slows down and the body begins to devour itself; that means, you will lose muscle mass as well as fat. That’s not what you want; you want to increase your muscle mass and reduce your body fat.
Lean Body Mass
Muscle is considered lean body mass because it is not fatty. The physicians at Wellness MGT Corp understand that increasing your lean body mass is the best way to lose weight quickly and keep it off. Increasing your muscle mass helps you lose weight because muscle has a high caloric need; your muscles need more fuel than fat does. That means they burn calories at a higher rate, so you lose weight even when you’re asleep. The more muscle you have, the more calories you burn even when resting. When you exercise, you burn even more calories. That’s why HGH is so effective at producing lasting weight loss.
Human growth hormone, or HGH, is a peptide hormone that creates long chains of amino acids. The hormone, created naturally in the pituitary gland, inspires the muscles to create new fibers and inspires cellular growth. That means the muscles will grow bigger and stronger in a shorter amount of time.
Muscles tend to consume more water than fat, so you lose weight almost instantly when you exercise or execute any physical activity. The physicians at Wellness MGT Corp offer several different weight loss options. Fat is composed largely of lipids and water, so if you are losing fat, you also need to make sure you’re not storing water. Storing water can make you softer and heavier. Lean body mass, such as muscles, consumes water which means that you will be processing water faster. This also helps to flush toxins out of your muscles and cells, so that you stand an honest chance of becoming ill less often. Also, you have a higher chance of reducing food cravings. Water has been found to reduce the feelings of hunger, which means you will likely eat less food.
In addition to encouraging you to gain more muscle mass naturally, HGH makes it much easier to work out. You will recover from muscle stress faster, which means that your muscles will grow faster. You’ll be able to work out more often, which will help you gain muscle faster and lose weight faster. The physicians at hght.com can help you unlock your potential. You will be working with a physician who can help you figure out what program is right for you.
Tips to make your next relocation smooth as possible
Keeping your stress low and your energy high is the best recipe for a smooth transition from one home to another. Here are some tips from this source that will make your next relocation as smooth as possible.
Start Early – Really Early!
Waiting until a week or two before moving for nailing down the details is definitely not a good idea. In fact, it is a perfect way of making your move a nightmare. Developing your moving plan several months in advance is the best way of avoiding disasters, stress and fatigue.
Every well-planned move involves several stages: Researching, budgeting and planning are the tasks that can, and should, be done several months before the truck arrives.
Finding a professional mover who you trust is another task to do early. Moving companies get busy at certain times of year, especially holidays, weekend dates and spring months.
Develop Your Strategy
Once you have a budget, a plan and a mover, it’s time for developing other details of your moving strategy using a calendar. If you have entrusted you moving company to pack for you, you will have less to do.
If you are doing the packing yourself, pack a few boxes early on and see how long it takes you. VA Movers can help you estimate how many boxes you will need, so you can plan your packing time accordingly.
Spring Clean Your House
Long before you start packing, go through every room and get rid of things that are no longer needed. Moving unneeded and unwanted stuff doesn’t make any sense. By having a yard sale, making a donation or a trip to the dump, you will save money and effort when it comes to moving day.
Start a Notebook
As soon as you start planning your move, create a folder and keep your paperwork and notes all in one place.
VA Movers Can Help You Avoid Problems
Moving is stressful and filled with potential problems at the best of times. Starting early, staying organized and working with a well-equipped and experienced moving company is the best way of avoiding moving day problems.
Located just minutes from Grounds
It’s Fall, and that means back to class. Between lectures, homework, social events, and that position at your CIO you now realize it will be way more work than you thought, so sometimes you just need to get off grounds and escape to The University’s Birdwood Golf Course.
Set on 500 acres at the foot of the Blue Ridge Mountains, and just down the road from Jefferson’s Rotunda, Birdwood is a golf course rich in history and the natural beauty of Charlottesville. Its verdant hills were part of a 1739 "upland wilderness" land patent, one of the earliest in the colony, and once you see the course, you’ll understand why.
Whether you’re an experienced golfer that played before arriving on Grounds or you are looking to explore a new hobby, or want to take in the scenic views of Charlottesville without setting foot on the highway, Birdwood Golf Course is truly worth a round and a toast to Mr. Jefferson. Preferred Annual and Semester Memberships for UVa students are available all year round!
For avid golfers, membership is an affordable alternative to daily green fees. Memberships are available to University of Virginia students, faculty, staff and lifetime alumni, members of Boar's Head Sports Club, as well as the general public, so bring your friends!
In addition to avoiding daily green fees, all Birdwood members receive no initiation fees, a 10% discount at our golf pro shop, priority tee time access, discounted rates on golf lessons, the ability to purchase a "Driving Range Plan" with added value, special rates at other local courses, and much, much more! To learn more about the Birdwood Membership, click here to fill out the Membership Information Request form.
Already a graduate? If you are a lifetime member of UVa’s alumni, now’s a perfect time to take advantage of the year-round activities and exclusive benefits that a Birdwood Golf membership offer. Our first-class facilities and family-friendly environment make Boar's Head a great fit for you and your family. UVa Lifetime Alumni receive 15% off a family membership to Birdwood Golf Course. Call Craig Volentine at 434.972.6082.
For information about student semester passes, you can fill out a membership information request online or call 434.293.GOLF.
|U.Va. Faculty/Staff/Lifetime Alumni ||Students/Juniors |
|Monday - Thursday: $39||Monday - Thursday: $25|
|Friday - Sunday: $50||Friday - Sunday: $40|
|Afternoon (2:30 p.m.): $30||Afternoon (2:30 p.m.): $25|
Craig Volentine, PGA | Head Golf Professional | email@example.com
Martin Winters, PGA | Col '95 (WaHooWa!) | Director of Golf | firstname.lastname@example.org
NELLYSFORD, VA—Bold Rock Hard Cider has announced the launch of its first-ever craft cider in cans. The popular Bold Rock Apple is being released in singles and packs of four 16-ounce cans. The new cans are just right for cider lovers to bring to locations where glass is discouraged or prohibited, including beaches, golf courses and festivals.
All Bold Rock Ciders are made with fresh locally sourced apples, picked at scenic orchards in the Blue Ridge Mountains of Central Virginia and Western North Carolina. Bold Rock Apple has crisp and refreshing character, delivering the fresh taste of green Granny Smith Apples. It’s one of five styles now being made by one of the fastest-growing craft cider companies in the country.
“We’re pleased to expand our growing portfolio by introducing Bold Rock Apple in 16-ounce cans,” said Jeff Liebhardt, Bold Rock’s Senior Vice President of Sales and Marketing. “This is something our loyal customers have been requesting, so we’re excited to give them the crisp and refreshing taste of craft cider in convenient cans.”
Opened in 2012, Bold Rock formed out of the partnership between John Washburn and Brian Shanks. Washburn has long owned the picturesque Virginia farmland where the cidery is now headquartered in Nelson County. He contacted Shanks to see if the New Zealand native and world-renowned cider expert would be interested in working his magic with locally picked apples from nearby century-old orchards. In the short time since, these two fast friends have put together a rapidly growing operation, using state-of-the art equipment that is run by a hard-working staff of 32 local Virginia employees to produce delicious craft cider. In June, Bold Rock will open a second production facility in Mills River, N.C., crafting cider with apples picked from nearby orchards in the mountains of western North Carolina.
The new 16-ounce cans are available now wherever Bold Rock is distributed, now found throughout the East Coast from Pennsylvania through South Carolina.
Bold Rock Hard Cider is one of the fastest-growing craft cider companies in the country. A winner of more than 30 awards in the past two years, Bold Rock produces five hard ciders, all made from apples locally grown and handpicked in the Blue Ridge Mountains of Virginia and North Carolina. As the nation’s largest independently owned cider company, Bold Rock is quickly ramping up distribution throughout the East Coast, now delivering across the Mid-Atlantic and Southeast from Pennsylvania through South Carolina. Additional company information can be found at www.boldrock.com.
Explaining The Cavalier Daily's new model for sponsored content
Today, The Cavalier Daily introduced Brand Link, a new platform advertisers can use to connect with Cavalier Daily audiences via our online website, www.cavalierdaily.com. Whereas advertisers have traditionally been limited to visual ads integrated into our general web design, they will now have the opportunity to send us advertiser-generated written content, which will be housed on a separate portal accessible through the main site. This is the first time The Cavalier Daily will offer this advertising option.
As professional and student media organizations alike seek to develop new, innovative ways to appeal to advertisers as they confront declining print revenue, discussions about sponsored content are by and large avoided. Frankly, the issue is treated with kid gloves for good reason — the value of a newspaper lies with its editorial integrity, and if a paper allows advertisers to pay for coverage, this integrity is invariably compromised.
Discussions about sponsored content center around two major questions. First, can journalists truly be impartial if they know an advertiser is paying for a story? And second, even if a paper’s journalists are not used and an advertiser independently produces its own content, is placing advertiser-generated content alongside general content without clear demarcation fair to readers?
From where we stand, the answer to both of these questions is a resounding no — sponsored content poses real problems for journalistic objectivity, and readers, in consuming their news, deserve clarity and transparency without qualification. News organizations exist to provide a community with information, and if an organization is not transparent in sourcing and presenting that information, it fails this community — and ultimately fails itself.
Our sponsored content model reflects these concerns. All advertiser-generated content will be clearly labeled and housed under our Brand Link hub, completely separate from other literary and editorial content. No Cavalier Daily editorial resources will be used in the production of sponsored content, which advertisers will write and edit on their own. As editor-in-chief, I will personally upload all Brand Link content to the website. Though I will not perform line-by-line edits, I do reserve the right not to publish content on Brand Link deemed in poor taste. Lastly, at present, sponsor-generated content will not appear in print.
Brand Link does not offer advertisers our writers or our editors — but it does offer them our platform, a move we believe will be viewed favorably by advertisers, who have the freedom to shape their own message, and by readers, who can rest assured the source of all information presented in The Cavalier Daily will remain readily apparent.
As a student media organization, The Cavalier Daily has the opportunity to test a model recently implemented by The New York Times, The New Yorker, Forbes and The Washington Post on a smaller, more manageable scale. In today’s media environment, few things are constant — and media organizations of all sizes can move past previous limitations, embodying the inventive and progressive spirit on which the industry prides itself. Through Brand Link, we aim to take advantage of this atmosphere on our own terms.
— Julia Horowitz, The Cavalier Daily's 126th editor-in-chief