Vodasinks Radius Corner Vertical Single Undermount | The Home Depot Canada
This undermount stainless steel sink can be perfectly paired with any countertop surface. The vertical design offers flexibility in a kitchen where counter space is limited. Corners are curved at a gentle radius and a stainless steel strainer is included. Includes polymer pads to help minimize so...
Gemmy Industries 37898 Airblown Christmas Decoration, Mickey & Minnie, 48-In. - Walmart.com
Free Shipping. Buy Gemmy Industries 37898 Airblown Christmas Decoration, Mickey & Minnie, 48-In. at Walmart.com
For the average working adult, going back to school can be one of the largest investments he will make in his life. But if you have some time before you pursue your studies, instead of applying for a bank loan, why not let time and capital work for you. Even if you plan to pursue a bachelor degree in the near future, say, in three years more, you can still save for it.
First of all, you need to have a target amount. Usually, the course fees represent a large portion of the cost. Other costs are examination fees and living expenses for those who come from other towns.
Some students may choose to study full time so that they can focus on their studies. In this case, if your employer doesn’t give you paid time off to do your studies, your budget will increase significantly, as you now have to account for your entire living expenses. In addition to that, you’ll still have to continue paying for things like insurance, car, mortgage, credit card as well as utility bills.
However, expenses can be higher if the course is done part time, as the person has less time to devote to his studies. As a result, he may have to prolong the program or even have to re-sit some papers, which means additional examination fees.
How much time you have to put aside the money depends on when you plan on taking up the program. When is the ideal time to start? To get more out of a bachelor degree, it would be good to have real world working experience of two to three years, on which to reflect upon when you’re doing the units.
At least three years of working experience would be good but you shouldn’t wait too long as the motivation level will drop. Even if you commence your studies in three years, you don’t have to pay the money in one lump sum. You can save through the study period as well which, gives you more time to accumulate funds.
Many education centers and colleges have worked out interest free schemes that you can use to your benefit. You can let your money work for you while you use the interest free payment option.
There is also an option for students to pay their fees in the monthly payments over the period of study and if the amount is paid in a lump sum, students are given a rebate. Another option is a scheme in collaboration with a bank, where students pay few hundred dollars at the start of the program and nothing else for two years. Thereafter, they have the option to repay in installments upon completing their studies.
Finally, you need to work backwards; given the number of years, inflation rate and a projected rate of return to come up with how much you need to put aside regularly. However, inflation may not have a large impact if your study period is short.
Once you have the total figure, you can start saving but you may not have to start from scratch. Perhaps you need not finance the whole amount yourself. Though the competition for scholarships is high, you may run into a bit of luck.
With a short time frame of three to five years, there are few choices in terms of investment vehicles. If you only have three to five years, you should seek a liquid and low risk investment such as putting your funds into a portfolio of fixed deposits, bonds and balanced funds. However, the chosen investment vehicle should also take into account the individual’s own risk profile and how much return is required as well.
Last but not least, it is important to review your plan regularly and rebalance your portfolio accordingly.
Original GoolRC S3660 3800KV Sensorless Brushless Motor 80A Brushless ESC and Program Card Combo ...
Free Shipping. Buy Original GoolRC S3660 3800KV Sensorless Brushless Motor 80A Brushless ESC and Program Card Combo Set for 1/10 RC Car Truck at Walmart.com.
Mainstays Polyester Shag Area Rugs or Runner - Walmart.com
Free 2-day shipping on qualified orders over . Buy Mainstays Polyester Shag Area Rugs or Runner at Walmart.com
Latitude Run Rundall Computer Desk - Walmart.com
Buy Latitude Run Rundall Computer Desk at Walmart.com
Louisville Ladder Champion Series 8 Feet 9 Inch - 10 Feet, 22.5 Inch x 54 Inch Wood Attic La...
This Louisville Champion Series wood attic ladder has a working load capability of 300lbs. This wood attic ladder features extra-deep 5-1/4" reinforced steps and a sturdy handrail for added comfort, safety, and stability. This attic ladder fits ceiling heights of 8' 9" to 10' and has a rough open...
Replacement for DONSBULBS 11S14/P replacement light bulb lamp - Walmart.com
Free Shipping. Buy Replacement for DONSBULBS 11S14/P replacement light bulb lamp at Walmart.com
Sassi 2 Inchx4 Inch Silver Grey Tumbled Brick Mosaics | The Home Depot Canada
Distinctively rustic, impresive pieces. To stretch the boundaries of design potential. Coordinate perfectly many other travertine tiles, ceramic and porcelain field tiles.
Fiskars PowerGear Anvil Lopper (15") | The Home Depot Canada
This highest quality anvil lopper is perfect for cutting dry dead branches with less effort. The Nyglass composite body is lightweight and virtually unbreakable. Unique PowerGear design uses two gears to amplify (doubles) the cutting force, reducing the cutting effort, and providing excellent lev...
Air & Furnace Filters - HEPA, Electrostatic | The Home Depot Canada
Shop Furnace Filter & Air Filter at great prices! Compare HEPA & Electrostatic Furnace Filter to find your best match. Free shipping for qualified orders.