Tag Archives: Real Estate Investing

How To Save A LOT Of Money In College

**How To Save A LOT Of Money In College**



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Here are the best ways to save money in college, and some money saving tips that you could use while getting your degree – enjoy! Add me on Instagram: GPStephan

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FIRST: CHOOSE YOUR SCHOOL VERY WISELY.

As we all know, every college is going to be a different experience, with a different focus…and a different cost. Just look at the numbers…the average price for a private, 4-year college is nearly 3.5x HIGHER than that of a 4-year in state school.

But maybe, at this point you’re thinking…well, if I go to an Ivy League school and pay a little more money…THAT would make a difference, and THAT would be worth it….and if you think that way…well, statistically speaking….you’re wrong.

Two studies were completed in 1999 and again in 2011 which followed the academic pursuits and income of both Ivy League graduates, and non Ivy-League graduates…and their findings were rather surprising.

This finding suggests that it’s the individual attributes among the students that mattered the most, NOT the college they graduated from…and not from the “social networking capital” of those prestigious schools. So, no…the type of college you go to will not make a difference in how much money you end up making.

SECOND: ATTEND A 2 YEAR COMMUNITY COLLEGE

Price wise…the average annual cost of attending community college is just over $3300 per year…that’s pretty much 1/3rd the cost of attending a 4-year state school, and 1/10th the cost of attending a private university. That is a MASSIVE savings, right off the bat, for getting those first 2 years completed and out of the way.

THIRD: SPEND YOUR TIME – NOT YOUR MONEY
Here’s what I mean…as a college student, chances are, you don’t have an abundance of money…BUT, you do have your time to use, instead…and one could argue that’s the greatest capital of all.

FOURTH: LIVE OFF CAMPUS
It was found that from 2017-2018, students spent an average of $10,800 per year for room and board at public 4-year institutions, and that amount jumps to over $12,200 for private, 4 year colleges and universities.

For those reasons, if you’re looking to cut down on these costs significantly…it might be worth it, first, to potentially live at home with your family a little longer. Or you could also look into living OFF CAMPUS, which could still be significantly cheaper than living in the dorms or on campus.

FIFTH: TEXBOOK COSTS
————
To start, the college board found that the average cost of textbooks from 2018-2019 was almost $1300…which, is insane.

First, try searching google for a free PDF of your book. All you need to do is type in [title of book] filetype:pdf and it should bring up any applicable search results for what you’re looking for.

Secondly, if you can’t find it there – try Amazon or Chegg. They’re both amazing resources where you can rent or purchase textbooks at a MUCH cheaper rate than what your college might charge.

Third, try talking with your professor to see if the book is actually required…I’ve been told that sometimes just waiting a week before buying anything could save you a LOT of money, because oftentimes the books won’t even be used or referenced for the entire class.

And fourth, talk with your fellow students and see if you can work together to split the cost of the book, or share resources.

SIXTH: CREDIT CARD REWARDS
This is essentially the practice in which you open up a credit card with a great sign up bonus, meet the minimum spending requirements, you get the points, and then you can repeat this with other credit cards, as well. And while you’re in college, this is generally the perfect time to do this, because the temporary hit to your credit score won’t really matter in the short term – and long term, you’ll be diversifying your credit history and further strengthening your score.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [email protected]
what's up guys it's Graham here so I took a look at my YouTube analytics the other day and it turns out that a very large percentage of my audience nearly 80% is between the ages of 18 and 35 years old and I know from that a big part of the demographic is either currently going to college or is thinking about going to college in fact a study found that 40% of working millennials had a college degree and that was higher than pretty much any other generation but do you know what else is higher than any other generation and no it's not Snoop Dog it is student loan debt and yeah it's pretty scary it was found that in 2018 69 percent of college graduates took out student loans with an average debt of 29 thousand eight hundred dollars and with only half of millennial college graduates believing that the lifetime value of a college degree is actually worth the cost it's not surprising why we should be talking about ways to bring the cost down and save as much money of that as possible because here's the reality even though college might not be for everyone and the cost of getting a degree is skyrocketing through the roof that doesn't mean that it necessarily has to be as expensive as you think there are ways to save money on getting a degree if you're simply willing to follow the steps here in this video so let's talk about the best ways to save money in college and whether you're currently going or wanting to go in the near future I guarantee that this video will apply to you and just watching it into the very end could end up saving you a lot of money in your future like seriously just watching a 12 minute YouTube video could end up saving you thousands or even tens of thousands of dollars in the future as long as you just make it to the end and make sure to turn that like button blue for the YouTube algorithm so with that said let's get into the video now the first way to save money on your college degree is by choosing your school very wisely as we all know every college is going to be a different experience with a different focus and a different cost just go and look at the numbers because the average price for a private four-year college is nearly three and a half times higher than that of a four-year in state school and if you're wondering why that is then here's your answer public state schools are funded by the tax dollars of the state which then goes and subsidizes the cost of tuition and this is also why tuition costs are a lot cheaper for in-state students than it is for out-of-state students private schools on the other hand are not publicly funded by the government and rely on donors and private individuals to pay for it hence the cost isn't subsidized and you have to foot the bill for that not the taxpayers and even then the true cost of getting a college degree doesn't end there there might be additional costs associated with living and moving expenses and also higher cost of living depending on the area and other extracurricular activities like beer pong but maybe now you're thinking well if I go to an Ivy League school and spend a little bit more money that would make a difference and that's gonna be worth the extra cost but if you think this way then statistically speaking you're wrong see two studies were completed in 1999 and again in 2011 which followed the academic pursuits and income above Ivy League graduates and non Ivy League graduates and their findings honestly were pretty surprising now here was the study they track the earnings and students of those from Ivy League schools or schools of similar caliber and then they track the earnings of those who were admitted to those schools but instead chose to go to a less prestigious school now if the Ivy League degree really mattered then that should be evident in the salaries after graduation but what was actually found was that the Ivy League degree made no difference whatsoever in the salaries of its graduates versus the salaries of non graduates but who were still admitted the finding really just suggests that it's the individual attributes of the student that really matter the most and not which place they got their degree from and also not from the social networking capital of going to an Ivy League school so given all of that it's really important that you focus instead on the type of education you want and the experience that you want not necessarily going to the most expensive school because you feel like that's gonna be your best chance at making a lot of money the second way you could end up saving a lot of money in college is by attending a two-year Community College first this is one of those choices I feel like is so underrated and so underappreciated and I'm so surprised that more people aren't going this route because it just makes so much sense no price why is the cost of attending a two-year Community College is really just over 3,300 dollars a year that's one third of the cost of attending a four-year state school and one tenth of the cost of attending a private university that's a massive savings right off the bat just forgetting the first two years of your college degree out of the way here's why this just makes sense the first two years of your college experience is really just going to be general education classes anyway English science history math smashing the like button 100 yada yada yada so really given that there's not much difference of information between schools in the first two years you may as well just save the extra money and spend a little bit less by going to a community college and that way you have the money saved and can spend more money where does matter in terms of learning the information that's going to be pertinent to your future not only that but I personally believe that for most people picking a college degree and picking a major and picking a potentially lifelong career at 18 years old right out of high school is just irresponsible at a young age it's almost impossible to predict what you want to do with your life and if you go to college what major you want to study chances are things are gonna change adapt and evolve over time so there's really no sense tying yourself down to a specific school early on if things change and you want to just attend somewhere else a community college on the other hand will give you those extra two years just to get the general education classes out of the way so by the time you have a more well-rounded view of your career path you'll be able to better pick a school that is better suited to your own needs and goals in addition to that community colleges also tend to offer you a more flexible schedule including night classes and online classes which means you're gonna have more time left over to gain more work experience to save more money to watch more YouTube videos and to smash more like buttons and finally it was found the community college graduates who later transfer to a four-year university are more likely to graduate than those who are admitted from high school or those who transferred from other four-year universities so this all boats really well for going to a community college first not only in terms of cost but also in terms of being able to work while still going to school and also later transferring and graduating from a four-year university number three while you're actually in college no matter where you attend I think it's really important that you use what you have and that's by spending your time and not your money no here's what I mean as a college student chances are you don't have an abundance of money just pouring from the sky but you do have your time to use instead and one could argue that as the greatest capital to use like instead of spending your money going out to eat spend your time to cook food at home or instead of spending your money on a car spend a little bit more time walking biking or taking public transportation to get to where you want to go instead of spending money on textbooks spend your time sharing those textbooks with classmates instead or instead of going out on weekends and spending a lot of money spend your time putting something together at home instead you get the idea and call it you could absolutely choose to invest your time wisely and save the money you do have and otherwise get the same experience for a fraction of the cost even if that means using your time to find and apply for more scholarships which could also bring down the cost of your schooling really begin to see your time as having value and begin using it now go and cook food and bulk at home you'll invest in time upfront but you're gonna have cheap healthy food to eat throughout the entire week go and look through all the free activities your college has to offer preferably with the ones with not free food by the way and then go attend you could end up getting a lot of great networking and meet some great connections all without spending any money and also of course getting some free food so I really believe right now time is the greatest resource that you have and it's so important you see your time as having just as much value as having money because it is so forth another huge component of the cost of college isn't the cost of education itself but also the cost of your living situation and moving off campus could prove to save you a lot of money it was found that from 2017 to 2018 students spent an average of ten thousand eight hundred dollars per year for room and board at public four-year institutions and that amount jumps to over twelve thousand two hundred dollars for private four-year colleges and universities that's almost a thousand dollars a month that just goes to housing not including the cost of tuition books transportation food and everything else that goes along with that so you could see how these all add up very quickly and get very expensive for those reasons if you're looking to cut down on these costs dramatically then it might be worth it at first to potentially live at home with your family just a little bit longer sure it might not be as glamorous as being able to live on the college campus but if you're going to live at home with your family for the sake of saving money now is the time to probably still do it while it's still socially acceptable even from my own personal perspective I've seen a lot of my friends live at home during and even after college and those few years of being able to live at home and save all that money could set them up dramatically in terms of their financial future like seriously just being able to save twenty thousand dollars by the time you graduate college just by living at home is potentially worth about two hundred and sixty one thousand by the age of sixty if you invest that money at a 7% return and to me I would much rather have an extra two hundred and fifty thousand dollars in retirements than I would living on campus for an extra two years but you know what that's just that's just me but anyway if living at home is not an option for you then it might be worth it to look into living off-campus which could still be significantly cheaper than living on campus or living in the dorms or you could look at the living with roommates and instead of spending a thousand dollars a month for a bed in a dorm you could spend five hundred dollars a room for a four bedroom house and cut down in your costs by like 50% and you could still get the same college experience as though you're living in the dorms except you could get that for 50% less and fifth as we all know college would not be college without ridiculously high textbook costs and that means there's another way to save money to start the College Board found that the average cost of textbooks from 2018 to 2019 was almost 1300 dollars which is insane now some colleges know that students will do whatever it takes to save money on textbooks so to get their money they've implemented online codes into their books to ensure that each student has to buy their own copy for really no other reason than that they want to make a lot of money and that they're evil but for those that don't have online codes then here are some ways that you could cut down and save a little bit of money first try searching Google for a free pdf of your book all you got to do is type in the title of the book you're looking for with file type PDF at the very back and that should bring up any applicable search results with what you're looking for surprisingly this is also how you could get many books entirely for free not just textbooks so if there's a book that you've been planning to read and you just haven't gotten around to buying it yet then go and search Google for it and it might already be up there now secondly if you can't find it on Google then you might also want to try Amazon or check they're both really good resources in which you could buy or rent your textbooks for much cheaper than what the university might be charging you and as we all know if you purchase an online book of something it'll be searchable so you can go and find keywords much faster than by using a physical textbook the third talk with your professor and see if the book is actually required to have for the class I've been told that waiting a week before buying any textbooks could end up saving you a lot of money because often times the book is not even required or used in the class at all ratemyprofessor.com might be another great resource to use to look up the past experiences of others students before you and forth talk with other students to see if you might be able to share the cost of textbooks or be able to work out an agreement where you guys lend each other some materials or if you already found a PDF of the book online go and share that if you already have the textbook go and share that with someone else I really believe that everyone should help each other out and give as much as they receive in return this type of collaboration could end up saving you a lot of money and you could also make some great friends and connections in the process no six I might get some hate on this one but I believe if you're financially responsible and you have some self-control and you're gonna be paying for college anyway then you may as well just get credit card signup bonuses so that that way you can redeem those for free travel rewards and perks for otherwise something you wouldn't get anything for well obviously you should never do this if you don't know how to properly handle a credit card and you just see it as getting free money because you could afford to make the minimum monthly payment but for everyone else getting credit card points could be a very easy way to get free travel free perks and free rewards for money you would just be spending anyway this is pretty much just the practice of opening up a credit card with a great sign up bonus meeting the minimum spending requirements you get the points and then you could repeat this with other credit cards and doing this while you're in college is really a perfect time to do this because the temporary hit to your credit score isn't really going to matter anyway unless of course you're in the process of buying a house or getting an auto loan but long-term doing all of this is going to further diversify your credit history and further strengthen your score for instance right now you can find a link to get the American Express gold card which will give you 50,000 points when you spend two thousand dollars in the first three months that means that if you put all your textbook cost and college costs on the credit card you would be able to redeem those fifty thousand points for two free round-trip plane tickets anywhere in North America when you redeem that through Aeroplan same thing also applies with a variety of other credit cards out there I'm just gonna link to a few down below in the description of course I have to warn you you must use your credit responsibly and this is not for the person who just spends money on a whim without even thinking about it you must only spend money that you could afford to pay off immediately in cash and you have to treat the credit card as though it's an extension of your bank account but if you can do it all responsibly then you may as well just rack up a ton of free travel and free perks and free bonuses for money you would just be spending anyway and lastly let me just say if at all possible try to avoid taking out any student loans even if it means going to a two-year Community College while living at home and then transferring to a four-year state school and living with roommates just not having the burden student loans by the time you graduate will be worth a tremendous amount of money in the future not only will you have more cash flow leftover to save and invest once you graduate but you're gonna be decades ahead of the other person who graduates with thirty thousand dollars in student loan debt and pays five percent in interest payments until the entire thing is paid off your choices right now about college will easily impact the next decade of your life so if you're thinking about going to college really consider all the ways that you could save money and which colleges are going to be the best value for the time that you spend so with that said you guys thank you so much for watching I really appreciate it as always if you guys enjoy my videos like this make sure to subscribe also feel free to add me on Instagram I post there pretty much daily so if you want to be a part of it there feel free to add me there also make sure to add me on my second channel it is called the gram steppin show I post there every single day that I'm not posting on this channel here so that means if you want to see a brand new video from me every single day feel free to add me on that channel as well and then one little tidbit for those who made it to the very end I haven't really done this before but we're gonna do it today for the first 10 people who are interested in my program the YouTube creator Academy it teaches you how to grow on YouTube and turn it into a business and learn the YouTube algorithm so that your videos get pushed you guys are interested in that the first 10 people will get $200 off using this code right here ten people 200 off there you go if you want to use it great if not that's totally fine too and as always with something like this full refund in the first 30 days if for whatever reason you're not happy with it you just got to let me know within 30 days that's all I ask but I would hope that you would be happy with it obviously so anyway with that said thank you so much for watching and until next time

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**0% interest Business Credit with Fund&Grow | Client Review [SUBSCRIBE FOR DISCOUT]**



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hello my name is Thomas I joined funny grow in July 2017 I finished my first round of funding since so far they've got me forty one thousand five hundred dollars and that's on the first round I haven't gotten the second round yet I can't breathe can we start the second round for those of you who are thinking about joining funny girl I do recommend it and good luck to you

How to buy first rental property?

**How to buy first rental property?**



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How to get started with real estate investing (Buy first rental property)
I have no money or have little money, I have no knowledge or little knowledge but I want to buy rental property
then follow this steps
1. Understand the process – you do that by
Read books or watch videos or attend seminars and grab coffee with people who owns Properties
2. Figure out what strategy fits your current situation
No money –
Once you understand the process and figure out the strategy the find the deals and take it the people you trust you the most who can lend you money and get mortgage
Like your 1. parents 2. Best friends or girl friend or boy friend
If you don’t have no way get that money then first focus on making money by saving and working extra or get into selling

Little Money:
If your working full awesome all you need 5% down in Canada
In USA less than 5% down for owner occupied

if your still lost don’t know what to do then reach out to me –
On social media
Facebook: www.facebook.com/adityakumarsoma
Instagram: www.instagram.com/adityakumarsoma
Youtube: www.youtube.com/adityakumarsoma

Recommended Books
1. Real Estate Investing in Canada: Creating Wealth with the ACRE System (
2. Rental Property Investing by Brandon Turner (

Social Media Websites that can help you regarding Real Estate
(BiggerPockets)
(Real Estate Investing Network Canada)

Remember: Formula for Success RAN(do RESEARCH, take ACTIONS and NETWORK with right people)
I’m currently living and Investing in Windsor Ontario Canada
I have no idea where to start but I want to buy my first rental property I have some money for little money I have some knowledge or little knowledge that is this something your situation than this video is for you Namaskar ah de bercy's recall when I come good morning good evening everybody this is Aditya welcome to my channel if you haven't hit that subscribe button please do so right now for an awesome content regarding my real estate investing and realtor journey so without any further ado today I wanna help you if you haven't purchased any rental properties then this video is for you if you're wondering where to start from then this is the first step for you I'm gonna share particular things in this video watch till the end make a notes if needed follow that has this I promise you you will have a rental property within a couple of months it could be you can buy if you are like really aggressive you can buy it in one month if you are like a little bit slow and steady it still you can buy it in next three to four months but stick with me with the process and follow what I'm gonna suggest in this video so step number one you have to understand the full process that involved to buy a property you know how to write offers so what is mortgage what kind of things involved in it you have to understand those whole process obviously I'm not going to detail those steps because I already made a video you can check out here thus 10 steps involve in order to you know understand the process so that's the first step go check out that video second get on to books which are specific about rental property how to invest in rental properties there are a couple of books if you're Canadian and the best book I love about rim written by I don't remember the author name but I will pop in the picture here I will put a link in the description and also a couple of other books they're like really gives you a solid knowledge on what are the you know what is the process involved and what are the type of strategies that involve you you can understand a overall picture of about rental properties so check out that then also get on to social media platform that is specific to the rental properties that is specific to real estate investors which is bigger pockets that's really really a useful resource just get on to it go meet local investors on on that group you will see people who are investing in your location if you don't find any just you know pick up a phone and call a realtor in your local area or find a realtor who is a investor specialist and ask him for suggestions so if you go through the steps and also get on to bigger and bigger pockets podcast or a couple of other podcasts who are like talk about investor stories so when you go through this multiple stream of sources you will first understand the process so that's really important before you buy a property once you understand the process in that simultaneously second thing will happen which is you figure out a strategy that fits your criteria because this is really important where many people fall aback because you know they look at some people who are like they preach that hey buy six unit building ten unit building or some people preach that buy a property which neat enough work drin you a tit and refinance your money and some of people will taste that just buy a turnkey property which has good cash flow or some of them will tell you that buy student rent out oh my god what the heck there's many strategies but if you understand the process if you learn from other people who are doing this now you know what are the strategies are available out there now take a step back and look from your point of view because everyone is made differently me and you are different no matter what it may you might have some commonalities but we might be starting from a different point I'll give you some examples for example you have no money at all you're a young kid you are like 22 or 23 but you're really enthusiastic about it you already in the process of learning about the process now where do you start from so for you the best option is to go talk to your parents ask if they can joint venture which to you if they can give you some money like 20% down so then figure out and if you want to get out from if you don't want to do any job just take the investing as a main source then find the properties that cash flows so that might be your criteria or for example if you are working full time you already have a solid job which is your active income but you want to build some passive income for your family you know to have a solid return on your money then that's a different scenario you have to look for something maybe you don't have enough time to you know find the contractors or do the renovations then just go find a property which is already a turnkey in a good location in a good you know which can appreciate well but at least it will sustain by itself you know without any negative cash flow so that might be a criteria for you or you might be someone who just started working full-time you you have a little money maybe like you know ten thousand or five thousand or twenty thousand then you can go look for property that with a 5% down with a price range whatever makes sense to you maybe you can live in one bedroom and rent out the other bedrooms like I used to do before so who how do I know or how do someone who is talking about specific strategies know your situation so what I'm trying to tell you is it's really important figure out what situation you are in right now are you with money or without money or with credibility what I mean by credibility credit history are you do you qualify for mortgage or you don't qualify for a mortgage so figure out your situation and find a strategy that fits your criteria because this is where many Falls now if you have a specific criteria based on your scenario now go start looking for properties so the third step is go start looking for properties keep on making offers keep on making offers until you get it and find the people to you know work with because if you have done the step one and step two already now you're in inner circle with the different people to work with hooray just keep with it buy the first property this will help you if it doesn't then reach out to me on social media or let me know in the comments below if you have like you know if you couldn't figure out why that way the hack to start from just reach out to me I will help you too and there are many other people who can help you too so reach out to people find out the solutions for your problems and with that thank you so much for watching this video if it's helpful let me know in the comments below if it sucks still let me know in the comments below because comments can give me an idea what you how I can help you so that way I'm not wasting your time with that have a wonderful life

How to Drive for Dollars | Beginner's Guide to Budget-Friendly Lead Generation Techniques

**How to Drive for Dollars | Beginner's Guide to Budget-Friendly Lead Generation Techniques**



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Driving for dollars is a great way to find leads when you’re just starting out as a newbie investor. If a kid can do it, so can you! That’s why we made a video of actual children doing it so you can see exactly how simple the entire process is. See what houses we decided to write down and learn why we skipped on others. Then head over to the blog ( to see what to do with those addresses when you’re done!

Why  Millennials Aren’t Buying Homes

**Why Millennials Aren’t Buying Homes**



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Lets discuss why 74% of millennial aren’t buying homes or real estate investing – enjoy! Add me on Instagram: GPStephan The YouTube Creator Academy: …