Personal Finance Online: Goal Setting With Students

Students come with a wide variety hopes, dreams and needs. While many of them share the same goal – getting an education – very few of them are prepared for this critical stage in their life when it comes to money. While they all practically live online and are permanently glued to smartphones, only the very smartest conduct their personal finance online.Goal setting with students is relatively easy to explain because they completely understand the concepts of choosing what they want and implementing a plan to achieve it, but while they are encouraged by educators who provide them with a goal setting template by way of lectures and seminar timetables, they each have to take responsibility to create their very own goal setting worksheet, timetable, study plan, and pin it to their wall.So why don’t people take the skills they learned while goal setting with students, and apply them to the world of personal finance? After all they ‘live’ online so why not train, learn and plan their personal finance online too? The answer comes in the tools available and knowing what to do with them.There are four areas where personal finance online can be enhanced with students, and goal setting is only one part of a process which touches all four areas.Earning Money As A Student First jobs are character building for students. They get to find out what they enjoy doing, and what they hate doing. Earning money as a student allows strong developments in skills such as influencing people, task management, reading situations, and making judgments.The best earnings goals though, are the ones which enhance entrepreneurial flair, independent choices, and return financial rewards. So many students ignore this, thinking a job equals money equals spending. The smartest thing to do when teaching goal setting with students, is to give them the skills of personal finance, knowing the value of their earning, and the ability to make money not take money.Saving Money As A StudentIndependent money is a thrill like no other for a student, and the impulse to use it to the fullest extent normally extends to living life large, in the moment.Yet remembering the famous marshmallow test by Professor Walter Mischel, one of the core principals of sharing goal setting with students is that of delayed gratification – the skill to wait until later to enjoy the money.Saving money as a student therefore is a pillar of personal finance online because when a student understands the concept of “Pay Yourself First” they will save. Tools which track and coach personal finance online help in this financial goal setting because it allows the student to see where their money goes, see what are expenses versus expenditure, and minimise the waste that can only come from the typical hedonistic student lifestyle.Spending Money As A StudentStudents need no help to spend money, it’s programmed into them long before concepts like personal finance online are ever introduced to them – but spending within a structured thought process is a central tenet of financial goal setting with students. Informed and considered thought before splashing out the money does not have to make a students life boring, and it can avoid a lot of pain later.Since there is a lot of shopping online as a student, it is easy to adopt these four questions when considering personal finance matters online. This as true in London England as it is in any other place with students.Do I need it?
Why Do I want it?
Will it impact the rest of my Month?
Does it affect my Debt?Investing Money As A StudentStudents are not known for their wealth,but considering the power of financial goal setting with students as described above, the principles of adopting personal finance online would not be complete without investing.Even a small about of money invested while a student will grow massively due to the magical impact of interest compounding. The rewards for students who invest significantly outweigh the risks, since rather than save, they are actually giving every penny a purpose when following the principals of personal finance online because it can be seen, tracked, followed, and enjoyed all through their core activity – being glued to the internet.Budgeting in personal finance is not the shiniest activity, but a concentration on this subject can be exponentially rewarding. Done effectively, it can become the core skill in money management and is a must-have objective while educating on goal setting with students. This way they can avoid or minimise debt, pay it back faster, live within their means and not beyond their means.

S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows

Key Insights
The strong pullback in the U.S. dollar provided significant support to stocks.
Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.
A move above 3730 will push S&P 500 towards the resistance level at 3760.
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Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines
S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.

The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.

Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.

Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.

Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.

From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.

S&P 500 Tests Resistance At 3730

S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.

If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.

On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.

Parking Facilities Near Airports – How to Decide Where to Park Your Car When You Travel

Parking is probably one of the biggest concerns travelers have when deciding to fly. The safety and security of airport parking can be lacking, however the prices still tend to be astronomical. In most areas alternative parking lots are usually available for less. These facilities are often secure due to fact people fly at all hours of the day and night. While these facilities are a bit further away, most will offer complementary shuttle service to and from the airport.Offsite parking lots are usually located in a well lit areas. Many of these areas will park the car for you and will bring the car up to the front near the kiosk. Not only do they offer great customer service, but most of them have extremely competitive pricing options. In metropolis you can get ones that offer monthly rates for frequent travelers, saving big bucks. Other discount programs are corporate frees, referral discounts, and cheaper long term parking.With so many features at lower rates, terminal parking at the airport is being challenged. If you’ve ever driven around an airport lot looking for a spot for an hour, you know the frustration. Offsite parking areas know in advance when their lot is full, so you don’t have to waste time or money.Remember that not all parking areas are created equal. Sure, you might be able to find a great deal offsite, but be sure to research the business before using their facilities. There are reports of credit card scammers and con artists setting up “fake” lots that they don’t even own. Check to see if the service has a professional website and that there aren’t any complaints filed against them.Parking facilities near airports can be a cost effective way to save money with the added services and benefits that business competition provides. Remember to be smart and observant when using these facilities, especially if you are travelling alone. Check for well lit easy to find areas that are located near major areas.