MONEY Saving

Why Parents Should Procrastinate on Back-to-School Shopping

School supplies arranged in clock face formation
iStock

If you've been a slacker thus far in rounding up your kid's back-to-school supplies, there's good reason to keep on procrastinating.

The simple reason why this is so is that very soon, almost every store will be putting kids’ scissors, notebooks, glue, pencils, and other back-to-school merchandise on clearance. For that matter, clothing marketed for the back-to-school season will be deeply discounted starting around Labor Day as well if not sooner, in order to make space for the next big seasons for retailers—Halloween and Christmas.

Don’t tell your kids about this, especially not at the start of the school year when homework and exams are about to become painful realities, but the truth is that sometimes it pays to sit back and do nothing. Many consumers are utilizing this “strategy” this summer, though it’s unclear whether they’re doing so consciously—or, more likely, lazily and obliviously. The Integer Group estimated that more than half of shoppers wait until one to three weeks before school starts to buy school supplies, and that 36% of consumers won’t do any back-to-school shopping at all, up from 31% who skipped back-to-school purchases last year.

The most prudent, responsible, cost-conscious approach for back-to-school shopping is for a parent to dutifully browse for bargains throughout the summer and scoop them up when they’re optimal. Back-to-school promotions started even before the previous school year ended, and Staples, Walmart, dollar stores, and other retailers have periodically rolled out 1¢ folders, 25¢ rulers and protractors, and other loss-leader sales in order to rev up business. For that matter, truly savvy shoppers understand that kids tend to need more or less the same supplies every fall, so they strategically snatch up pencils, notebooks, and whatnot whenever they’re at rock-bottom prices throughout the year.

The ship has sailed on the chance to do the prudent thing and buy items whenever the optimal price appears. That approach is too time-consuming and requires too much attention for the average parent anyway. This late in the game, there are two options left: 1) Turn into a whirling dervish and hit one store to buy everything your student needs in the few days before school starts; or 2) make do with what you have for the first day of school, then complete your kids’ list sometime around Labor Day.

The first option is the more responsible one, of course, and ensures that your child will have all of the required supplies on time. Yet the Integer study found that price is the most important element in back-to-school purchases for roughly three-quarters of consumers, and with this first approach, shoppers will wind up paying more than is necessary for many school staples.

That leaves us with the second (slacker) option, which is attractive not only because you can do nothing for a little while longer, but also because of a bonus in the form of saving a bundle of money. By the time Labor Day arrives, the majority of what you need to buy will likely be marked down for clearance sales. You’ll get the cheaper prices on glue, notebooks, and such without having to shop around, monitor Sunday circulars, or hit multiple stores. All in all, you’ll save time, effort, and money, with the main tradeoff being that your kid might get dirty looks from the teacher if he shows up on the first day of school with an empty backpack—or perhaps no backpack.

“Like most seasonal items, the longer you wait to buy back-to-school items, the better your chances are of scoring a significant discount,” said Lindsay Sakraida, features director at the deal-tracking site dealnews.com. Normally, clearance aisles are a hodgepodge of random, undesirable leftovers, but this isn’t the case for basics like pens, notebooks, and calculators, which are more or less immune to trends and seasonality, said Sakraida. “While sorting through the clearance section can sometimes yield limited options, it’s less of an issue with school supplies, making this an even more appealing option for cash-strapped back-to-schoolers.”

She suggested starting to look for big back-to-school markdowns a few days before Labor Day weekend. Around that time a year ago, Staples and Office Max cut prices dramatically on many items, sometimes with discounts of more than 75%. Other retailers will surely be posting printable coupons good for 20% or 25% your entire purchase over the holiday weekend, said Sakraida.

And prices will only drop from there as retailers try to clear shelf space to prep for the next season’s goods. In terms of fall clothing and school supplies alike, “look for the deals to get pretty aggressive by mid-September,” NPD retail analyst Marshal Cohen told the Wall Street Journal.

Even if your kids are fully outfitted for this school year by then, it might be wise to hit the clearance section and round up some supplies for next fall. You know prices will be cheap. And perhaps by planning ahead you’ll show your children that even the laziest procrastinators can change their ways and become more responsible.

More Back-to-School advice:
Would You Spend $60 for Your Kid’s Lunchbox?
Parents Worry More About Back-to-School Shopping Than Bullying
4 Best Credit Cards for College Students

MONEY Education

How Sending Your Child to Private School Can Save You $53,000

GOSSIP GIRL, Chase Crawford (left)
Giovanni Rufino—CW Network courtesy Everett Collection

Public school can end up being much more expensive than private school depending on where you choose to live.

UPDATED—8:15 A.M.

For most Americans, private school seems like an unaffordable luxury, or an unnecessary extravagance, depending on your point of view. One thing everyone agrees on, though, is that private school is expensive—especially compared with the competition. After all, public education doesn’t cost anything, and you can’t compete with free, right?

The problem with that logic is that public school actually isn’t free. In what might be one of America’s most regressive policies, the government divides the country into school districts, each supported by a local tax base. That means school funding and quality varies drastically depending on where you live, and homes in top school districts tend to be eye-poppingly expensive.

According to a recent Trulia report, houses in districts where even rich families send their children to public school—suggesting the quality of education is especially high—can cost more than twice the national average per square foot. That means in certain cases, private school can actually be a bargain.

To answer the question of how much going to private school could potentially save, we need the help of two fictional families: the Publicos and the Privados. The Publicos want to give their child the best public education they can, so they move to a neighborhood with one of the nation’s top public schools. The Privados prefer private education, so they move to a neighborhood with average schools (and median home prices) and send their child to prep school.

To figure out how much the Publicos will spend, we’ll use Trulia’s Rent vs. Buy calculator* to see how much living in an average-size house in a top school district for 13 years (kindergarten through 12th grade) would cost. A median-priced house in Auburndale, Massachusetts—which Trulia lists as having some of the best public schools—will end up costing the Publicos about $2,120 a month.

In comparison, we’ll say the Privados live in an average school district and buy a home that will cost the national median of roughly $998 a month over the same time period. On top of that, the Privados pay for their child’s private school. According to data from the Nation Center for Education Statistics, the average price of a year of private elementary school is $7,770, and the average annual cost of private high school is $13,030.

By multiplying the cost of elementary school by nine (grades K-8) and adding it to the cost of a four-year high school, we get an average total cost of educating a child privately of $122,050, or $782 a month. Add that to the Privados’ housing bills, and they’re up to $1,780 a month—still a few hundred dollars less than the Publicos’ monthly costs.

Over time, these savings add up. By the time the Publicos’ child graduates high school, they will have paid $52,982 more than the Privados for education and housing. Meanwhile, if the Privados stashed away those savings in a 529 college account, they’ll have a lot of extra money to help pay for their son’s or daughter’s university.

SchoolSpendingChart

Does this mean private school is always a better option for parents? Not at all. The above calculations compare one of the most expensive public school districts in the nation with the average cost of private school. The most elite prep schools can cost upwards of $40,000 a year, while some areas with great public schools are far more affordable than Auburndale.

There are also a number of factors to consider that this calculation doesn’t take into account. While private schools cost $9,388 a year in general, religious schools are a little cheaper, and secular schools are much more expensive. There’s also regional considerations, like commute times, employment opportunities, crime rate, and other neighborhood perks that we don’t have time to explore in detail.

One final thing to consider is how many children you plan on sending to school. If both the Publicos and Privados send two children to school instead of one, the Publicos actually save almost $70,000. Although, if the Privados send two kids to public elementary school and then transfer both children to a private high school, they’re back in the black, saving almost $71,000.

So with that in mind, what’s the takeaway from all this? Instead of automatically selecting public or private school for your child, make sure to give both options serious consideration. Sometimes—likely most of the time—public school will be cheaper. In other cases, a good private education may actually cost less. Either way, taking the time to get the decision right can save you thousands of dollars.

 

 

* Other than the “How long would you live there?” field, which we set to 13, and the region, our calculations are based on the calculator’s default settings.

MONEY Education

You’ll Never Guess the City Where Private School Is Most Common

Ben Affleck, Randall Batinkoff, Matt Damon, Brendon Fraser, Cole Hauser, Andrew Lowery, Chris O'Donnell in SCHOOL TIES (1992).
Paramount—Courtesy Everett Collection

Whether a family sends its children to private or public school can be influenced by a number of factors, and it's not always about money.

Private school versus public school isn’t an option for most Americans. The average annual cost of a private education is $10,940, and only about 20% of students have parents willing or able to pay that freight.

Knowing that, one would expect the city that sends the highest percentage of its children to private school to be among the richest in the country. Manhattan perhaps? Somewhere in Connecticut? Wherever the prep school in School Ties was located?

Nope. According to a new study by real estate website Trulia, the city with the highest proportion of private school enrollees is New Orleans. A whopping one-fourth of all students in the Big Easy attend a private institution—and it’s not the only Louisiana city in the top 10 for private school enrollment. Baton Rouge ranks fourth, with just under 20% of all students going the private route.

Many of the cities you might expect to see don’t even make the list. While the East Coast generally sends a higher than average percentage of students to private school, its only cities to place in the top 10 are Philadelphia (18.4%) and Wilmington, Del. (17.6%). The rest of the list is dominated by Midwest cities in Ohio, Wisconsin, and Missouri, as well as outliers like Honolulu and San Francisco.

Why do some areas choose private school at a higher rate than others? According to Trulia, metros that are largely more wealthy, more educated, more white, and more Catholic are the most likely to have their children privately educated. Faith is especially important, because most private schools are religiously affiliated, and half of those schools are Catholic. New Orleans, Philadelphia, and Cleveland all have a large Catholic population.

Dr. Jan Daniel Lancaster, superintendent of Catholic Schools for the New Orleans archdiocese, was surprised to learn that her city led the nation in private school enrollment rate, but had no doubts about why New Orleans’ Catholic schools were so popular. “New Orleans is a very Catholic area,” said Lancaster. “People want a very strong academic education that is embedded in the catholic faith, and Catholic schools are so strong academically.” Another reason might be the example set by prominent members of the community. Lancaster says two state senators, the mayor, and the local district attorney, among others, all received a Catholic education.

Courtesy of Trulia

Screen Shot 2014-08-12 at 7.43.23 PM

Public school quality matters too. After adjusting for neighborhood demographics, Trulia found that students in areas with the worst public schools were four times as likely to attend private schools than their peers in areas with the best public education. Areas with high income inequality also showed an increased percentage of private school students, which the study speculates could be caused by more affluent families wanting to keep their children out of public schools with greater income diversity.

Screen Shot 2014-08-12 at 8.03.41 PM

Some public schools are so good that even the wealthiest families choose them over private options. However, those areas aren’t exactly cheap to live in. After looking at affluent Zip codes where over 90% of students received a public education, Trulia determined these areas had housing prices that were more than twice the national average on a square-foot basis. In fact, housing prices were directly correlated with the quality of local public schools.

Home prices in the worst school districts were 41% lower than the national average, while areas with top-tier instruction were 32% more expensive. That means anyone hoping to move from a terrible district to a great one could face a 73% price increase.

Screen Shot 2014-08-12 at 8.07.17 PM

 

It’s interesting (and a little depressing) to see how expensive living near a good school can be. Where families ultimately decide to send their children “really depends on the specific neighborhoods you’re considering, how much house you need, and the type of private school you’re considering,” says Jed Kolko, Trulia’s chief economist. “But I think a larger point is that both private and public schools can cost a lot of money.”

MONEY deals

A+ Back-to-School Deals Priced from 1¢ to $1

140801_EM_SchoolSupplies
Catherine MacBride—Getty Images/Flickr

To get your business during prime back-to-school shopping season, stores have launched wild price wars on school supplies, starting for as little as 1¢.

We’ve compiled a checklist of some back-to-school deals that just might seem too good to pass up: None runs more than $1, and one is available for a single penny.

But before filling up your (online or actual) shopping cart, take note of a few caveats. First, despite the fact that these offers are from national retailers, prices can vary from region to region, so the deals at your local store may be different than the ones below. Second, in many cases these rock-bottom prices are only available in-store, not online. They’re essentially “loss leaders,” existing mainly to entice you into the store, where you’ll perhaps be tempted to buy other things, some of which just might be (the horror!) full price.

Lastly, customers may be limited as to how many of these super-cheap items they’re allowed to buy, to stop some bargain-hunting hoarder from cleaning out the entire store and ruining the sale for everyone else. For the most part, the prices below are valid through Saturday, August 2. If you miss out, don’t sweat it: A whole new set of back-to-school deals is sure to appear like clockwork in the Sunday circular.


When you spend at least $5 at participating Office Max and Office Depot stores, you’re allowed to buy their store-brand colored folders for a penny apiece (limit of 10 per household).

15¢ to 20¢
The “Less List” of sale items at many Staples includes two-pocket folders for 15¢ and 70-page one-subject notebooks for 17¢.

25¢
Kids’ scissors, 12-inch rulers, 6-inch protractors, and 4-oz. bottles of glue are among the back to school standards priced at a quarter each at Office Max and Office Depot.

50¢
Pick up a 24-pack of Crayola crayons (normally $1.47) at Walmart and Staples (normally $1.99).

One-subject notebooks and 5-inch scissors go for 49¢ apiece at many Walgreens.

$1
Five-pack of highlighters (normal price: $4.29) at Staples

12-pack of Bic pens (normally $1.99) at Office Max and Office Depot

12-pack of colored pencils or two-pack of Sharpies at Dollar General

Absolutely everything at Dollar Tree

TIME Gadgets

Top Tech for Back to School

Back to School time is upon us. The yellow buses are all being tuned up and hosed down, the classrooms are getting that final coat of paint and the teachers are finalizing their lesson plans. It’s also the time for you to make sure your kids have all the supplies they need for a successful and happy school year.

These days, though, you need more than just a new pair of jeans, a handful of pencils and a new Trapper Keeper to get your kids ready. Here are our picks for the best – and most affordable – back-to-school tech.

Laptop: Acer Aspire E1

Acer

These days, a sturdy, reliable computer is a must when it comes to homework, research projects or just keeping in touch with friends from school. For these simple tasks, we recommend the budget-friendly Acer Aspire E1 Windows laptop.

Why the Aspire? First of all, we like the 15” size, which has a big enough screen for comfortable viewing, but still lends itself to better battery life, better portability and a lower price tag. We also like the Core i5 processor (for plenty of power), the 4GB of RAM (expandable to 8GB if needed) and the 500GB hard drive. Plus, it gets high marks from reviewers for long battery life and good performance for the price, and a respectable four stars on Amazon.

You can find the Acer Aspire E1 for $466.77 at Amazon.

Travel Mouse: Microsoft Arc Touch

Microsoft

Most laptops come with a capable touchpad, but they can be too touchy when there’s a lot of typing to do. That’s why we recommend the highly portable Microsoft Arc Touch Mouse.

The curious design of the Arc Touch Mouse is actually its best feature. It’s flexible, allowing you to flatten it when not in use for easy storage. Flattening also turns off the mouse, so you won’t waste the battery. The traditional mouse wheel is replaced with a small “touch scroll strip,” while the magnetic Nano transceiver easily stores on the bottom of the mouse when not in use. BlueTrack technology, meanwhile, allows the Arc Touch to work reliably on just about any surface – even carpet or rough wood.

The Microsoft Arc Touch Mouse is available for purchase at Amazon.com for $39.99.

Tablet: Sony Xperia Z2

Sony

Not every student needs a laptop. A tablet can be a better bet if your child needs to take notes or do some word processing and web-basesd research. Plus, a tablet can do double duty as an entertainment device. For a sturdy, solid device that best mixes work with play (and isn’t an iPad), we like the 10.1” Sony Xperia Z2 Android (4.4 Kit Kat) tablet.

The waterproof and dustproof (IP55/58) Xperia Z2 is just 0.24 inches thick and 15.5 ounces, giving it a sleek and easily portable design that’s great for going to class or around the house. It packs a powerful 2.3 GHz quad-core processor and 3GB of RAM for demanding gamers.

Sony.com is currently offering the 16GB version of the Xperia Z2 tablet for $499.99, which includes a free charging dock for a limited time.

Smartphone: Motorola Moto G

Motorola

Here’s a pretty common problem: Your teen is finally the right age for his or her first cellphone, but the thought of a $650 device being stolen from a locker or left on the field after practice has your heart racing with panic. What’s a parent to do?

We like the off-contract Moto G 4G ($99 off-contract at Verizon; $219 unlocked at Amazon) – it’s the perfect nexus of power and value. It’s a full-featured 4G LTE phone that runs the most recent build of Android. The device has Gorilla Glass for scratch resistance, and is water resistant enough to handle a few spills in the cafeteria. Kids, meanwhile, will appreciate the selection of $14.99 OEM shells that allow you to easily and seamlessly change the color of the phone to suit any style.

Portable Charger: myCharge Hub 9000

myCharge

If you send your kids to school armed with a phone “in case of emergency,” then it’s important to make sure his or her phone has enough juice when it really counts. That’s why we like the myCharge Hub 9000, Techlicious’s pick for the best portable battery charger.

The myCharge Hub 9000 has micro USB and Lightning connector jacks built in, so there’s no need to clutter backpacks up with easily tangled cables. The 9000 mAh battery charges in just five hours when plugged in to a standard electrical outlet, storing enough power to recharge most smartphones four to six times.

You can find the myCharge Hub 9000 at Amazon starting at $116.99; 3000 mAh and 6000 mAh versions are also available at a lower cost.

Backpack: Tylt Energi+

Tylt

Obviously, no back-to-school list would be complete without a backpack to haul all those books (and gadgets) to and from class. For tech-focused older students, we like the Tylt Energi+ backpack. It’s an attractive carry-all that doubles as a mobile recharging station.

The key feature of the Tylt Energi+ is its powerful 10,400 mAh lithium-ion battery and two USB ports, which allow your kids to charge their power-hungry devices as they move around from place to place. The backpack has a hard-lined pocket for sunglasses, a specially lined laptop pocket that fits and protects computers up to 15 inches, a side hydration sleeve and plenty of secondary tech pockets for phones and tablets. And yes, the 1,450 cubic inch backpack has plenty of room for books and pencils, too.

The Tylt Energi+ is available at Amazon for $128.99, and direct from Tylt.com for $199.99.

Headphones: UrbanEars Humlan

Urbanears

Most kids are experts when it comes to getting dirty. That means their tech gadgets get dirty, too. And while it’s easy to wipe down a sticky smartphone screen or a set of laptop keys, cleaning a pair of headphones can be incredibly difficult.

Incredibly difficult, that is, unless you own a pair of UrbanEars Humlan over-the-ear headphones. The colorful, stylish Humlans quickly disassemble, allowing you to throw the ear covers and headband in with the laundry. Humlans also come with a “Zoundplug,” which allows a friend to plug their headphones in and share the tunes.

You can find UrbanEars Humlan headphones in a wide variety of bold colors for $45 each at Amazon.com. For younger kids, you may want to check out the Etymotic Research EtyKids Safe Listening in-ear headphones ($39.99), which limit sound volumes to kid-safe levels.

This article was written by Fox Van Allen and originally appeared on Techlicious.

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MONEY Saving

You’re Giving Away Money By Shopping Before This Weekend

140728_EM_Shopping_1
Getty

No fewer than 15 states offer a remarkably no-hassle way to trim a few percentage points off back-to-school purchases, most with deals starting this Friday.

Every year around this time, states host sales-tax holidays, in which the usual sales tax is waived on a wide range of purchases. In most cases, tax-free purchases are limited to back-to-school items such as computers and traditional school supplies like notebooks, protractors, and pens, but clothing, footwear, and accessories are typically on the table as well.

What’s more, the tax is waived on online purchases as well as sales in traditional brick-and-mortar stores, and there’s no actual requirement that the items being purchased are for back-to-school prep, or even for kids. It would be too hard to police any such requirement, so instead most states simply limit purchases to a flat dollar amount—for instance, any article of clothing priced at $100 or less, typically.

Let’s be honest: The savings represented by these events isn’t all that spectacular. Most participating states have sales tax rates of 4% to 6%, so that’s the extent of the savings. Big whoop, you might say. But when the tax holiday is combined with terrific sale prices—and virtually every retailer has back-to-school promotions going on right about now—the net amounts paid by shoppers can be true bargains. Why not get an extra 5% or whatever off what is already a good deal, on stuff you absolutely need to buy? To do so, all you have to do is wait a few days.

There are those who say that sales tax holidays are gimmicks for exactly the reason hinted at above. The argument is that the holidays don’t promote more spending as much as they encourage shoppers to strategically postpone spending, with no net increase in purchases whatsoever. What’s more, while sales tax holidays play well in terms of politics, critics say they are questionable at best in terms of local economic stimulus, and that they cost states and municipalities millions in much-needed revenues. States such as North Carolina have dropped their annual sales tax holiday tradition because of this argument, though shoppers did still get to take advantage of a “Better Than Tax Free” sales event at a North Carolina outlet mall last weekend.

Gimmick or not, if you need to buy any of the many, many items eligible for tax-free purchase, you might as well wait until Friday, or whenever your state has its sales tax holiday. Failure to do so is tantamount to unnecessarily paying an extra 6% or so.

Resources including Bankrate and the Federal Tax Administrators site list the basic details, and below are the states with sales tax holidays starting this weekend. Check the links for all of the fine print about what is and isn’t included in your neck of the woods.

Alabama: August 1-3, limited to $30 per book, $50 for school supplies, $100 on clothing, and $750 on computers

Florida: August 1-3, limited to school supplies of $15 or less, $100 per clothing article, and $750 for computers and accessories

Georgia: August 1-2, limited to $20 school supplies, clothing priced at $100 or less, and computers capped at $1,000

Iowa: August 1-2, limited to footwear and clothing priced up to $100

Louisiana: August 1-2, sales tax is waived on purchases of all items for personal (rather than business) use, priced up to $2,500.

Missouri: August 1-3, limited to school supplies of $50 per purchase, clothing and footwear priced up to $100 each, computer software up to $350, and computers or accessories up to $3,500

New Mexico: August 1-3, limited to school supplies up to $30 per item, clothing and footwear up to $100, computer hardware up to $500, and computers up to $1,000

Oklahoma: August 1-3, limited to clothing and footwear up to $100 per item

South Carolina: August 1-3, with sales tax exemptions for all clothing, footwear, school supplies, computers and electronics, college dorm supplies like pillows, blankets, and shower curtains, and even delivery charges on all of the above

Tennessee: August 1-3, limited to clothing, footwear, school and art supplies priced up to $100 each, as well as computers up to $1,500

Virginia: August 1-3, limited to school supplies up to $20, and clothing and footwear of $100 or less per item

And here are a few more states offering tax holidays a little later this summer:

Texas: August 8-10, limited to clothing, footwear, backpacks, and school supplies up to $100

Maryland: August 10-16, limited to clothing and footwear priced up to $100

Connecticut: August 17-23, limited to $300 on clothing and footwear

Massachusetts: Lawmakers in the Bay State have promised shoppers will get a tax-free weekend sometime in August, but they haven’t gotten around to settling on a date yet.

TIME Gadgets

The 6 Best Back-to-School Bags

Heavy textbooks may be on the way out, given the increased use of tablets, e-readers and other tech for students, but the weight of those laptops, tablets, chargers and other items adds up quickly. Choosing the right bag to carry your gear is key.

Whether you’re hiking across a big college campus or roaming the halls of your high school, you need a bag that’s functional as well as fashionable — after all, you’ll be lugging it around most of the day. We found half a dozen bags designed to carry the load and protect your electronic gear. Find the one that best suits your style.

1. STM Aero Small Laptop Backpack

STM

If you’re looking for a lightweight backpack, the Aero Small Laptop bag fits the bill. Padded shoulder straps give it a comfortable, secure fit, and the water-resistant micro ripstop polyester means no worries if you get caught out in the rain. This isn’t a very bulky backpack, yet it safely holds up to a 13-inch laptop as well as chargers, books, headphones and everything else you need to carry.

It has two side pockets: one for your water bottle and the other for an umbrella on rainy days. I particularly like the organizers and key ring on the inside so you don’t have to dig through all the pockets — and there are many — looking for where you stashed your keys.

Price: $79.99 at Amazon

2. Ogio Lisbon Tote

Ogio

If you prefer a tote-style bag, the Ogio Lisbon transports your gear safely while still looking stylish. Its interior padded compartment can accommodate up to a 13-inch laptop with space for textbooks and notebooks, as well as organizer flaps for small, easy-to-lose items such as pens, chargers or even lipstick.

A zippered, padded pocket on the exterior securely holds a tablet or small devices, and two outside pockets provide room for items like keys and snacks. The bag is made of lightweight nylon and comes in a variety of colors. I particularly like the mesh water bottle pocket located on the outside of the bag — easy access for hydrating on the go.

Price: $99.99 at ogio.com, $94.50 at Amazon

3. WaterField Designs Muzetto Leather Bag

 Black Muzetto
WaterField Designs

When you’re in the market for something a little more upscale, look for the WaterField Muzetto Leather Bag. Made of soft, supple leather, it feels and looks sophisticated enough to wear out to a party after class is over. The bag is styled more like a messenger bag and holds either a tablet or laptop in vertical mode.

The adjustable shoulder strap feels comfortable and doesn’t fall off the shoulder when you’re walking. I appreciated the open sleeve on the part of the bag that faces your body, perfect for tucking away gym clothes or a light sweater. An inside zipper compartment reveals pockets for your phone or other small items that you might prefer to keep separate from your laptop.

What I like about WaterField Designs’ bags is you can custom order the size you want in any particular color combination. So if you only need room for an iPad or 10-inch tablet, choose the smaller (and less expensive) portable size. The 13-inch version seems to be the sweet spot if you have a MacBook or similar laptop and still want some room for pads, books, chargers and even a snack or two.

Another thing I really like about this company is the fact that the bags are made in the USA.

Price: Starting at $209 at sfbags.com

4. Tylt Energi+ Backpack

Tylt

If you can’t seem to make it through the school day without charging up your devices, the Tylt Energi+ Backpack will suit your high-powered needs. It’s a backpack with a battery built right in, turning you into a mobile charging station for all your devices. You get two USB ports for charging phones, one higher amp USB port for charging tablets and a 10,400mAh battery to recharge them all. Keep your device tucked into an external pocket, if you like, and simply route the cables to the battery inside. The battery itself will fully charge in seven to eight hours.

The inside of this backpack is roomy with a soft, lined laptop compartment than can hold up to a 15-inch laptop. A tablet pocket provides access to your device without making you open the entire backpack. This bag is loaded with pockets for snacks, water bottles and even a change of clothes if you’re headed to the gym.

Price: $199.99 on tylt.com, $129.99 at Amazon

5. Hex Outpost Cloak Backpack

Hex

If you call Seattle or a similarly rainy climate home, the Hex Outpost Cloak Backpack will keep your electronics safe and dry. Sure, it holds a 15-inch laptop and has tons of pockets for other gear, but I love the water-resistant exterior and the interior drawstring liner underneath the top flap that keeps rain from trickling in.

Hex products don’t come in bright, fun colors. Instead they focus on form and function with details like leather zip pulls and surplus-grade web straps in a handsome slate grey canvas. Another nice touch: Magnetic snaps provide easy access without your having to open and close the buckles on the straps.

Price: $99.95 at shophex.com and Amazon

6. ChicTech Leather Wristlet with Phone Charger

ChicTech

After a full day of classes, it’s time to head off to your job or internship or a night out with friends. You don’t need your backpack with all your school supplies, but you would like something to carry your phone, some money and credit cards, your keys and maybe some lip gloss.

The ChicTech Leather Wristlet holds all those items. Even better, you don’t need to worry about draining your phone battery while you’re out. The wristlet offers a built-in 4000mAh charger—enough juice to fully charge even the largest phones—with micro-USB, 30-pin and Lightning tips; simply charge your phone as you carry it with you.

The wristlet comes in purple, pink, black, ivory and red.

Price: $79.98 at qvc.com

This article was written by Andrea Smith and originally appeared on Techlicious.

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MONEY Shopping

Parents Worry More About Back-to-School Shopping Than Bullying

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Chip Forelli—Corbis

Students themselves, meanwhile, are most stressed about having to wake up early for school in a few weeks.

The back-to-school prep period is a particularly stressful time of year for parents and children alike. According to a survey that was commissioned by the coupon site ebates and is being released this week, nearly all of the adults and teens polled said that the start of the school year was stressing them out in one or more ways.

Perhaps unsurprisingly, the teenagers surveyed overwhelmingly said that they were most concerned that school would mess up the leisurely (lack of) schedule that they’re enjoying over the summer. The top two named sources of stress for teens were “Waking up early to get to class” (cited by 69% of those polled) and “Getting too much homework” (64%). Rounding out the top five were “Not liking my teachers” (42%), “Not having the right clothes” (32%), and “Not fitting in” (31%).

The top back-to-school stress point for adults, on the other hand, was “Shopping for clothes and school items,” cited by 56% of those surveyed. The stress of shopping outranked hectic student schedules (50%), helping with homework (38%), bullying at school (31%), and bad teachers (29%).

At first glance, the results indicate that students and parents alike seem to be saying that shopping and having the right clothes are of higher importance than potentially huge problems like bullying and subpar teachers. Are most of us really that superficial?

Maybe, maybe not. A closer look at why consumers are so stressed about shopping shows that the big concern essentially comes down to money rather than pressure to be up on the latest fashion trends. According to data released last week by the National Retail Federation, “the average family with children in grades K-12 will spend $669.28 on apparel, shoes, supplies and electronics, up 5 percent from $634.78 last year.” The typical family with a high school student is expected to spend even more, $682.99.

Given the hefty back-to-school bill parents are facing and the fact that, for example, students are now expected to arrive at school in possession of 18 items on a classroom checklist, on average, no wonder shopping is stressing so many families out right about now. More than half of parents said that their No. 1 concern about back-to-school shopping was simply not being able to afford everything they’re expected to buy.

What’s more, it must be pointed out, many of these stress points are related. Parents and kids worry about shopping and clothes at least partly because they’re concerned about bullying and fitting in at school. And bullying and bad teachers, while possibly disastrous for the student experience, are far less common, one hopes, than the problem that seemingly every middle-class family budget confronts: affording all the stuff our kids want and/or that our kids’ school requires.

Nine out ten Americans in the ebates survey said that they’ll save during back-to-school shopping via coupons, discounts, and sales, among other methods. Retailers understand that consumers are primed to look for back-to-school deals at this time of year—in fact, many stores launched back-to-school offers before the last school year even ended—and virtually every Sunday circular is filled with school-related sales and deals lately. So no matter what your student needs to prepare for the fall, there’s almost no reason to pay full price.

If you’ve held off so far from making some or all of your back-to-school purchases, there’s good reason you might want to wait a little longer. No fewer than 16 states are offering sales tax holidays this summer, with the vast majority waiving sales tax on various back-to-school purchases for a few days around August 1.

TIME Education

Teachers Turn to Crowdfunding to Open Preschools

Teachers and parents in Chicago are turning to crowdsourced online funding to open preschools

In Chicago, VOCEL – a small education non-profit for children from under-resourced communities – is behind one of the first initiatives to use crowdfunding to open a preschool, the AFP reports.

“Many for-profit organizations have used crowdsourcing in the past several years to get off the ground, to spread their ideas among a wide crowd, and we thought why couldn’t we do this for a non-profit?” Jesse Ilhardt, director of education for VOCEL, told AFP.

VOCEL started a $70,000 campaign online, asking the public to contribute funds for a preschool center in Chicago. To learn more about crowdfunding in education, watch the video above.

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