MONEY College

Don’t Bash Ivy Leaguers: They’re Just as Greedy as Everyone Else

140826_FF_IVYLEAGUE
Michael Burrell—Alamy

In Excellent Sheep, William Deresiewicz slams the Ivy League for having a "finance-first" culture. But it's not just Harvard grads who run to high paying industries, it's everyone.

College entrants, beware. Choosing your dream school might be the worst decision you’ve ever made. That’s the message from William Deresiewicz, author of the recently released book Excellent Sheep. The ex-Yale professor’s latest work blasts the Ivy League, and other similarly prestigious schools, for turing young, idealistic learners into the titular livestock, who end their time in college by wandering aimlessly toward Goldman Sachs.

The heart of the argument, which Deresiewicz summarized last month in an article for The New Republic, rests on the fact that about a third of Ivy Leaguers go into big business (namely finance and consulting) and not his preferred areas, which include the clergy, the military, politics, and academia. Schools like Harvard may teach their pupils, sure, but all they learn are the “analytic and rhetorical skills that are necessary for success in business and the professions.”

In contrast, Deresiewicz says, public and lower-ranked schools like Wesleyan, Sewanee, and Mount Holyoke “have retained their allegiance to real educational values.”

So should Harvard‘s freshman class start filling out transfer applications? Not so fast. A closer look at the book’s claims reveals a sobering truth: Ivy Leaguers might be greedy little sheep eager to join the ranks of Wall Street—but no more so than students outside their hallowed halls.

In fact, the Ivy League simply is not unique in the way Deresiewicz wants it to be. Yes, it is true that 20% to 30% of elite college grads go into finance or consulting. But at Reed, a school Deresiewicz specifically uses as a model for a less money-hungry higher education, 28% of students went into business and industry—a category that includes consulting, finance, and other profit-heavy sectors—based on its 2014 alumni database.

That’s compared with 27.3% of Yale students who went into consulting or finance in 2012, 24.5% of last year’s Princeton class employed in finance, insurance, or professional services (including consulting), and 22% of Brown’s class of 2013 that entered finance, banking, or consulting. (These categories vary slightly since there is no standard method among colleges of grouping professions.)

Many public schools are no different. UCLA, a top ranked state institution, reports that 32% of its graduates go into business or consulting. Penn State, another public institution Deresiewicz mentions favorably, has even named its career services center after Bank of America. For those with an aversion to these industries, there aren’t many academic oases left.

Why do such a large portion of graduates everywhere rush to join the Morgan Stanleys of the world? Because they pay well and offer plenty of jobs. The financial services industry alone accounts for 7.9% of the economy and over $1.2 trillion; it’s so large that no small group of schools could ever hoard a significant share of it. According to data from NACE International and the U.S. Census, finance and insurance offer the 5th most jobs and the highest average salary of any sector.

Shockingly, students at Reed and UCLA seem about as likely to want a sustainable career and high incomes as their peers at Harvard. (And what’s wrong with that again?)

It’s also incorrect to assume that students at Ivy League schools are any less likely to go into more charitable trades. One might be surprised after reading Deresiewicz’s article to learn that the largest employer of recent Columbia graduates is not Goldman Sachs or J.P. Morgan, but Teach For America. Princeton, which has a reputation for sending grads straight to Wall Street, recently announced 22.6% of the 2013 graduating class is employed in the nonprofit sector.

Does this mean Ivy League schools aren’t often annoying and pretentious? Not at all (I should know, I went to one). But it does mean we shouldn’t label them as educationally deficient because their graduates behave just like everyone else. As MONEY’s own college rankings show, there are plenty of great schools, both in and outside the ancient eight. Choose based on educational quality, price, and yes, how employable students are after they graduate. And by those measures, the Ivies do pretty well.

TIME Innovation

Five Best Ideas of the Day: August 26

1. “This is a reflection of long-standing and growing inequalities of access to basic systems of healthcare delivery.” –Partners in Health co-founder Paul Farmer on the Ebola outbreak.

By Democracy Now!

2. Despite commitments to the contrary, elite colleges are still failing to bring poorer students into the fold.

By Richard Pérez-Peña in the New York Times

3. #ISISMediaBlackout: Tuning out Islamist rhetoric and taking out their powerful propaganda weapon.

By Nancy Messieh at the Atlantic Council

4. What makes income inequality so pernicious? The shocking odds against moving up the income ladder for some Americans.

By Richard Reeves at the Brookings Institution

5. The specter of Iraq’s looming collapse is inflaming concerns about Afghanistan’s electoral crisis. But the two countries are very different.

By The Editors of Bloomberg View

The Aspen Institute is an educational and policy studies organization based in Washington, D.C.

MONEY College

What Your College Kid Isn’t Telling You About Money

More than half of students admit they keep financial secrets from Mom and Dad, a new survey finds. And one of the biggest may be how much debt they're racking up.

It is an American rite of passage. Little Johnny finally grows up, goes off to college, and starts handling money on his own. He probably spends a little too much, and racks up some debt.

Does Johnny tell mom and dad the truth—or keep it a secret?

More than half of college students (55%) admit they hide information from dear old mom and dad about all that money they are spending, according to the 2014 RBC Student Finances Poll. But only 33% of parents realize that’s the case.

Another disconnect: While 90% of parents claim to be on top of how much debt their kid owes, just 78% of students agree their parents are up-to-speed on their finances.

Welcome to a college course that is not really on the curriculum, but that every student is grappling with. Call it Secrets and Lies 101.

“It may be that a student doesn’t have as much money as their peers, and is trying to keep up with what their friends are doing,” says Christine Schelhas-Miller, a retired faculty member at Cornell University and co-author of Don’t Tell Me What To Do, Just Send Money: The Essential Parenting Guide to the College Years.

“Or they may be getting lots of credit card offers, and naively sign up,” Schelhas-Miller adds. “Then they’re not sharing this information with parents, because they’re afraid of getting into trouble.”

Of course, money disconnects between parents and kids are nothing new. In fact they are par for the parenting course, whether they revolve around tooth fairy money or allowance sizes.

The difference when kids reach college is that the sums involved are taken to the next level. Serious money, which can, in turn, have very serious consequences, like debt accumulation or poor spending habits that could dog families for years to come.

After all, the average Class of 2014 graduate with student-loan debt is in hock to the tune of $33,000, according to Mark Kantrowitz, publisher at Edvisors, a site about planning and paying for college. That’s the highest number ever.

The potential scenario, for a college student whose only financial-planning experience has been with Monopoly money? A couple of adviser Darla Kashian’s clients were gobsmacked to find out that their kid—unbeknownst to them—had blown through a significant inheritance in his last years of college, to the tune of tens of thousands of dollars.

“They didn’t know what he had done, and were astonished to find out,” says Kashian, who is an adviser with RBC in Minneapolis. “In their minds, he was using the inheritance to pay off his student loans, and now he was returning home with lots of debt. He was totally unprepared.”

Of course, students may suspect how badly they are screwing up financially. According to the RBC poll, 26% of college students admit they may be doing damage to their credit rating. Only 17% of parents think their little angels could possibly be doing such a thing.

Tough Talk

Such blind loyalty to one’s offspring isn’t cute; it’s actively harmful. But when it comes to such a delicate and emotional topic, many parents just don’t know where to start.

“It’s like the sex conversation: Parents are worried about how to even bring it up,” says Schelhas-Miller. “But they need to get over that hurdle, and think of it as a big part of their parenting responsibilities.”

Her advice: Arrange a pre-emptive strike, and have The Talk over the summer, before your kid even heads off to campus. Then arrange for regular money conversations throughout the school year—maybe once every couple of weeks, or maybe once a semester, depending on how responsible they are—to ensure budgets stay on track.

If you just avoid the subject and table the conversation for later, an unprepared college kid could stack up debt very quickly indeed, and it could be too late.

Kashian is a fan of online budgeting tools like Mint.com, a unit of Intuit, which can be set up to allow access to both parents and their kids. That, of course, requires plenty of trust from both sides.

“That way you can have real transparency, and open up a dialogue about the spending that is happening—instead of just shaming and screaming.”

More on student debt:

TIME Saving & Spending

The Huge Mistake Most Parents Are Making Now

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Blend Images - Terry Vine—Getty Images/Brand X

Hey kids, hope you’re saving your pennies. They might not have gotten around to telling you yet, but there’s a good chance your parents expect you to fork over your own money to help pay for college. Even if they don’t, there’s a good chance you might have to dig into your own pockets anyway, because even though more parents are setting aside money for their kids’ college funds today, many are still way behind on their savings goals.

A new study from Fidelity Investment finds that just over a third of parents have asked their kids to set aside money to help pay for school, a jump of nearly 10 percentage points in only two years. Keith Bernhardt, vice president of college planning for Fidelity Investments, says there’s a serious disconnect between parents’ intentions and actions.

Even though 85% of parents think kids should kick in something towards their educational expenses, fewer than 60% of those with kids already in their teens have bothered to bring it up, and only 34% have actually come out and asked their kids to contribute.

“With the cost of college rising, it’s increasingly unrealistic for parents to cover the full cost of college,” Bernhardt says. “Families are still struggling. They are on track to save just 28% of their college goal.” Even though more families are saving, and the dollar amounts they are socking away are greater, that 28% is actually a drop compared to previous years.

In spite of these grim numbers, parents today are actually more optimistic about their goals. Respondents told Fidelity they expect to cover, on average, 64% of their kids’ college costs, up from 57% two years ago. What’s more, 44% think they’ll meet these goals, up from 36% in 2007, when Fidelity started conducting the survey.

Most of them won’t, which means today’s generation of kids could be equally unprepared when it comes time to paying for college. “It’s critical that families have open conversations and discuss together how they will approach funding their college education,” Bernhardt says.

Bernhardt calls a dedicated savings vehicle like a 529 plan “a great way for parents to keep their college savings separate from other savings goals.” Today, 35% of parents have a dedicated account for college savings, nearly 10 percentage points more than when the survey began in 2007. About half of the parents in Fidelity’s survey who said they have a plan for retirement savings have a 529 set up, versus only about 10 percent of those who don’t have a savings plan.

Having a strategy for accruing college savings makes a big difference. “Parents with a plan are in better shape with their college savings,” Bernhardt says.

These parents say they’ll cover an average of 71% of their kids’ college costs; those without a plan estimate that they’ll only be able to pay for a little more than half. On average, parents who have planned to save are already almost halfway towards their goal, while those without a plan have only scraped up about 10% of what they want to save. Parents with savings plans have an average of $53,900 socked away, versus the average $21,400 families without a savings plan have amassed.

MONEY Kids and Money

What It Costs to Raise a U.S. Open Champion

Serena Williams of the U.S. raises her trophy after defeating Victoria Azarenka of Belarus in their women's singles final match at the U.S. Open tennis championships in New York September 8, 2013.
Does your kid want to be the next Serena Williams? Start saving now. Mike Segar—Reuters

Want your kid to win the U.S. Open? Start shelling out $30,000 a year.

Serena Williams won her first U.S. Open at age 17 and her fifth at age 31, just last year. But can she defend her crown against the newest upstarts? It all starts on August 25, when Williams goes head-to-head with rising star Taylor Townsend. And 18-year-old Townsend won’t be the only young talent to watch in Queens: 20-year-old Canadian Eugenie Bouchard is seeded no. 7, and 19-year-old Australian Nick Kyrgios will try to build on his surprise upset against Rafael Nadal at Wimbledon.

If those youthful feats fuel your kid’s dream of tennis stardom, then get ready to open your wallet. In the United States, families of elite tennis players easily spend $30,000 a year so their kids can compete on the national level, says Tim Donovan, founder of Donovan Tennis Strategies, a college recruiting consulting group. That can start as early as age 11 or 12. At the high end, Donovan says, some parents spend $100,000 a year.

On what, you might ask. Here’s the breakdown:

  • Court time. Practice makes perfect, but practice can be expensive, especially if you need to practice indoors in the winter. In Boston, where Donovan is based, court time costs about $45 an hour. In New York City, court time can run over $100 an hour.
  • Training. Figure $4,500 to $5,000 a year for private lessons, plus $7,000 to $8,000 for group lessons—in addition to the aforementioned court fees to practice on your own.
  • Tournaments. National tournament entrance fees run about $150. Plus, you have to travel to get there. Serious players will go to 20 tournaments a year. Donovan estimates that two-thirds of the tournaments might be a few hours away, but elite athletes will need to fly to national events six or seven times a year. Want to bring your coach with you? Add another $300 a day, plus expenses.
  • School. You’ve already racked up $30,000 in bills. But if your kid is really serious, you might also spring for a special tennis academy. Full-time boarding school tuition at Florida’s IMG Academy costs $71,400 a year.

So what’s the return on investment? While most parents don’t expect to see their kids at Wimbledon, many still hope that tennis will open doors when it comes time to apply to college. But the reality is that athletic scholarships are few and far between. In 2011-2012, only 0.8% of undergrads won any kind of athletic scholarship, says Mark Kantrowitz, publisher of Edvisors.com.

Opportunities are particularly limited for boys. Donovan notes that because of Title IX—which requires that schools provide an equal number of scholarships for men and women—a Division I college with a football program might offer eight full tennis scholarships for women, but only half as many for men, because male scholarships need to go to the football players.

Bottom line: If you spend $30,000 a year hoping your tennis star will go to college for free, you’ll probably be disappointed with your ROI.

“Recipients of athletic scholarships graduate with somewhat less debt than other students but not significantly so,” says Kantrowitz. “The main benefit of athletic scholarships is providing access to higher-cost colleges without increasing costs, moreso than reducing the cost of a college education.”

That’s where Donovan comes in: For $3,500 to $10,000, Donovan Tennis Strategies provides different levels of assistance with the college application process. Oftentimes, Donovan’s clients are able to pay full tuition but want additional help leveraging tennis to get their kids into better (and more expensive) schools.

The strategy can pay off. According to Donovan, recruited athletes have a 48% higher chance of admission, sometimes even with SAT scores that are more than 300 points lower than those of non-athletes. “The coach can go in and significantly advocate for somebody and change the outcome,” he says.

So if you’re a parent to a budding tennis star, can you foster his or her talent for less? The IMG Academy does offer scholarships to promising young athletes whose parents can’t pay full freight, and the United States Tennis Association offers some grants and funding. But ultimately, players need to log hours on the court to get good, and that costs money.

“The more you’re playing, the better you’re going to be,” Donovan says. “That’s pretty well documented … and that adds up over time.”

TIME Innovation

Five Best Ideas of the Day: August 21

1. Perspective matters: To tell the stories of Ferguson, America needs black journalists.

By Sonali Kohli in Quartz

2. After James Foley, America’s policy against paying ransom to kidnappers deserves a public debate.

By David Rohde at Reuters

3. To keep American democracy alive, citizens need to use their voice and their votes.

By Robert Reich in Guernica

4. Climate change will make the coffee of the future bitter and pricey.

By Jessica Leber in FastCo.Exist

5. Business school students have much to learn from the “Market Basket” family-corporate feud.

By Judith Samuelson in Huffington Post

The Aspen Institute is an educational and policy studies organization based in Washington, D.C.

MONEY College

How To Get Full Credit When You Swap Colleges

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B.O'Kane—Alamy

Transfers typically lose an entire semester's worth of credit and tuition, a new federal study has found. Here are three ways to avoid missing out on that money and time.

The more than one million Americans who transfer from one college to another each year find that about 13 credits on average—or about a semester’s worth of courses—are refused by their new school, a new analysis by the Department of Education has revealed.

Depending on the college, that means you typically spend anywhere from about $1,300 to more than $13,000 in tuition for classes that don’t get your closer to a degree when you transfer.

The federal study, which examined a large sample of college transcripts dating back to 2003, found great variation in the amount of lost credit. About 40% of transfer students lost all of their credits when they transferred. On the other hand, almost a third got credit for all of their courses. Overall, about 35% of college freshmen ended up transferring, the study found.

“This is pretty disturbing confirmation of problems in our system of higher education,” says David Baime, spokesperson for the American Association of Community Colleges. Other studies show that such wastes of time and money cause many students to give up and drop out, Baime notes.

The good news, Baime and other experts say, is that the new research, along with new laws and new web tools, can help your improve the odds of transferring all of your hard-earned credits.

Choose the Right Starting and Target Schools

More than 80% of students transferring out of for-profit colleges lost all of their credits when they jumped to a public or private non-profit school, the federal study found. (Noah Black, spokesperson for the Association of Private Sector Colleges and Universities, says that many schools’ transfer rules have changed recently. he added: “The question should be posed to other institutions as to why they are not accepting of credits from accredited institutions,” such as the for-profit colleges that make up his group.)

But the typical student at a public community college who transferred to a public university paid for 38 credits at the two-year school, and got credit for about 30 at the university, a loss of 21%. The researchers found that private colleges generally gave transfer students from public colleges credit for about two-thirds of their courses.

David Bergeron, vice president for postsecondary education at the Center for American Progress, notes that students who take a community college curriculum that qualifies them for admission to a selective private college also tend to win credit for most of their courses. “So try to go for the most selective college you can,” Bergeron says, adding that a growing number of private colleges are recruiting and awarding aid to community college transfers students. “Families should be exploiting that,” he says.

Check New State Laws

A growing number of states, including Florida, Pennsylvania, and Connecticut, are requiring colleges to make credits more transferable among public colleges, Baime notes.

Take Advantage of New Web Tools

While budget cuts have forced some public colleges to cut back on counselors who might help you figure out which courses will transfer, there are a growing number of web tools that you can use to find the courses that will be approved for transfer. One site Baime recommends is CollegeFish.Org, which is sponsored by Phi Theta Kappa, the International Honor Society of Community Colleges. And many colleges, such as the University of Virginia, now have tools that allow you to look up the transferability of each community college course.

 

 

 

 

MONEY Ask the Expert

Why You Might Want More Than One College Savings Account

Robert A. Di Ieso

Q: I have college savings for my children in both education savings accounts (ESAs) and 529s. Is there a difference in the way those accounts are calculated for potential financial aid? Would there be any benefit to consolidating into one type of account? — Mike Spofford, Green Bay, Wisc.

A: The good news: There is no difference in how Coverdell ESAs and 529 savings plans factor into your child’s student aid, says Mark Kantrowitz, publisher of Edvisors.com, a website that helps people plan and pay for college.

Both of these education accounts are considered qualified tuition plans. So as long as they are owned by a student or a parent, the plans are reported as an asset on financial aid forms and have a minimal impact on your aid eligibility (federal aid will be reduced by no more than 5.64% of the value of the account). What’s more, your account distributions are not considered income, Kantrowitz adds.

Education savings accounts and 529s share other appealing features: Your savings grows tax-deferred and withdrawals are tax free as long as the money goes toward qualified education expenses. If you spend it on anything else, you will be hit by income taxes on the earnings as well as a 10% penalty.

One of the biggest differences is how much you can put in. ESA contributions max out at $2,000 per child per year, while 529s have no contribution limits. However, if you put more than $14,000 a year into your child’s 529—or $28,000 as a couple—the excess counts against your lifetime gift tax exclusion and must be reported to the IRS. You can get around that by using five-year tax averaging, which treats the gift as if it were made over the next five years.

Coverdell ESAs give you more investment options—from certificates of deposit to individual stocks and bonds to mutual funds and ETFs; you’re usually limited to a small number of mutual funds in a 529 plan. But you don’t need that much investing flexibility, Kantrowitz notes, since you want to keep risks and fees to a minimum over the short time you have to save for college.

Another key difference is that ESA funds can be spent on K-12 expenses; 529s must wait until college. ESAs also come with age restrictions. You can contribute only while the beneficiary is under 18, and to avoid penalties and taxes you must spend the funds by the beneficiary’s 30th birthday (with a 30-day grace period).

You can get around this age limit by changing the beneficiary to an under-18 close relative of the beneficiary. Or you can roll it over into a 529 plan with no tax penalty. (You cannot roll your 529 into a Coverdell ESA, however.) In fact, later-in-life education is one of the only reasons to consolidate plans. Otherwise, says Kantrowitz, there is no compelling reason to combine your two savings accounts into one.

MONEY College

12 Things We Wish We’d Known When We Were 18

Girl moving off to college
Eric Raptosh Photography—Corbis

Suze Orman and other experts share their financial advice for the Class of 2018. Follow these tips to keep your college experience from becoming a major money mistake.

Prepping for freshman year at college typically includes activities like shopping for dorm essentials, reviewing orientation packets, and Googling your new roommate.

Most students don’t spend a lot of time thinking about how they’ll manage their money in this new phase of their lives.

And yet, what you do in those first few years of parental emancipation can affect you for years—or decades—to come. Students graduated last year with an average $35,200 in college-related debt, including federal, state and private loans, as well as debt owed to family and accumulated via credit cards, according to a Fidelity study. Half of those students said they were surprised by just how much debt they’d accumulated.

To make sure the class of 2018 gets off on the right foot, MONEY gathered sage advice from top financial experts about the lessons they wish they, their kids, or their friends had known before starting school.

1. Limit your loans. “Do not take out more in student loans than what you are projected to earn in your first year after college. If you only expect to make $40,000, you better not take out more than $40,000. The chances of you being able to pay it back is close to nil. If you need to take a private loan, you’re going to a college you can’t afford. Remember, going to an expensive school doesn’t guarantee success. The school never makes you, you make the school.” —Suze Orman, host of The Suze Orman Show and author of The Money Book for the Young, Fabulous & Broke

2. Finish in four. “Many kids are finishing school in five or six years. But every extra year is potentially an extra $30,000 to 40,000 in expenses. Map out your coursework and figure out exactly what you’ll need to do each semester. Be vigilant about sticking to your plan. Try to catch up on any credits by taking classes at a community college over the summer.” —Farnoosh Torabi, author of You’re So Money

3. Study money 101. “Sign up for an economics or personal finance course. This way, when you graduate, you’ll be better equipped to manage money for the rest of your life.” —Brittney Castro, CEO of Financially Wise Women

4. Leave the car at home. “Everyone feels like they need a car, but with the combination of sharing services like Uber, Lyft, Zipcar and public transport, that isn’t always the case. If you’re living in a major metropolitan center or on campus, consider leaving your car behind. It’s much cheaper to use one of these car services than it is to pay for insurance, gas, parking, car maintenance and car payments.” —Daniel Solin, author of The Smartest Money Book You’ll Ever Read

5. Lead rather than follow. “Especially in college, you’re going to be surrounded by people doing dumb things financially. You’ll see people financing their lifestyle with student loans or their parents’ money. Don’t feel bad if you can’t afford the same things as others. I knew a student who was financing his whole college experience with debt and he was always asking people to go shopping with him. If I’d tried to keep pace, I’d have ended up in the same debt-ridden place as him.”—Zac Bissonnette, author of Debt-Free U

6. Find free fun. “You can still do fun things at school, without spending a lot of money. You’re paying an activity fee in your tuition, so you ought to make sure you’re taking full advantage of whatever the school offers for free—be it concerts, trips, lectures. The school I went to provided grants to help students travel abroad and offered free plays and trips through different clubs.” —Farnoosh Torabi

7. Be purposeful with plastic. “The idea that you need to build credit in college is wildly overrated. It’s not a bad idea to build credit, but having built up a bad credit history will hurt you more than having no credit history. You don’t need to feel pressure to get a credit card. You can get by just fine with cash and a debit card; no one is expecting you to have a ton of borrowing history when you’re getting your first apartment anyway.” —Zac Bissonnette

8. Put your budget on autopilot. “Keep track of the money you’re getting in from loans and your parents, as well as your expenses. Use an app like Mint.com, which lets you link your debit and credit cards to your online account to track your spending and easily help you keep on budget.” —Daniel Solin

9. Enlist Mom and Dad. “Check in with your parents once a month and review your spending with them. Talking about this will help you to avoid what I call ‘budget creep,’ where all of a sudden you’re spending $30 a day on food and entertainment. All those little extras add up and you could be spending over a hundred a week… on what?”—Neale Godfrey, chairwoman of Children’s Financial Inc.

10. Protect your stuff. “College students may not think they have a lot of valuable possessions. But think about the value of electronic devices alone, not to mention textbooks, clothes, even that ratty futon. The good news is that renters insurance is typically inexpensive and can protect you from fires, theft and other incidents. The even better news is that students’ stuff may be covered by their parents’ homeowners insurance. Check the policy prior to hitting the books.”—Kara McGuire, author of The Teen Money Manual

11. Establish rules with roomies. “If you’re renting an apartment with friends, be sure everyone and their parents sign the lease. Try to have everyone’s name on the utilities bills as well. Kids will take advantage of other kids, and you don’t want to be the one who is stuck being responsible for everything. If you can’t attach everyone’s names to all the bills, have them prepay. Also, make sure everyone chips in for general expenses like cleaning supplies and toilet paper, so you don’t end up paying for all of that as well.” —Neale Godfrey

12. Share with discretion. “Social networks are a public record. Your future employers will look you up on your social sites and judge you based on what they see. So something that you thought was cute in college could keep you from getting the job. Know that every move you make on those sites could have a direct consequence on your ability to land a job.” —Suze Orman

 

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