AFFORDABLE COLLEGE

 Mind you, student loans can be sometime be looked at as investment, and it is not wise for anyone to be cheated out of a decent interest rate on a loan. Student loans can sometimes appear to be a good investment for a better career, but in the end, some students do not always win! In this case, what if African American students were presented some data to show interest rates among all ethnicities. Could they have made or claimed they were being taken advantage of early on or ask more questions to why the rate is higher? Also, students could have researched and explore more options with different loan providers etc. I can only imagine if this information could be presented to middle and high school students/parents how much better the future outcome could be for students?

 A group of African-American students gathered some data to show interest rates among different ethnicities. Borrowers of different races or ethnicities indeed have varying obstacles in their quest for advanced education. Unfortunately, it’s not just limited to the United States. One especially intriguing stat was that 70% of White and Caucasian students have more debt than 40% of Black students. Further, black students in the United States have higher interest rates, but not elsewhere. Perhaps, the reason for the difference is that some people have to try harder to make ends meet in comparison to other groups for various reasons culturally.

 Charles shares that before he graduated college, he would eventually have to pay off his loans, but he understood his interest rates first and later on was not financially hurt! A person must understand their finances if they wish to strive and thrive in this world. Even outside of a college environment a person should always strive and acquire some type of financial knowledge. This is one of many lessons that Charles wants to share with the current and upcoming college students especially African Americans and all other races.

 However, the statistics and data do give Charles’s approach meaning. Please see the chart below to see the student loan debt ratio among students in the year of 2022. The chart comes from an online article by Hanson, Melanie titled ““Student Loan Debt by Race.”

 Lack of financial awareness has cost students a lot over the years, and it has become oddly predictable. The statement, shared by Jalil Mustaffa Bishop from PBS Article, is merely a foreshadowing of what will happen if we don’t take care of the situation right now. Charles Chadwick has always been a true nontraditional educationalist. He wants to make a difference by introducing students to a new type of mindset! Please start planning and understanding finances to achieve some type of success. It’s essential to understand that acquiring a student loan is very easy, but paying it off can sometimes be harder than one can imagine. So, it’s time that we take the initial step and gain financial awareness.

 In today’s fast-paced world, it’s all about making the right decision at the right time. Students, please don’t wait to start getting some type of financial knowledge! Don’t be like the many that have already graduated and are now eating their slice of payments from the big student loan deficit cake! Always learn finances first, because a student can then limit how much they could be financially hurt! When Charles attended college, he was not stressed out or lost, because he knew his interest rates and how to cut his college costs it had nothing to do with his race!

 Charles wants the same thing for future students. Order your copy of his books today to get started on the do’s and don’ts on how to achieve this goal. He wrote two books with the best futuristic outlook. In reference to reducing college expenses please pick up “ College Checklist” or if you want to learn a trade or develop a mindset for better career advancement, please checkout “ Cultivated Circumstances.”

 For more information about Charles and his events, please explore all pages on the website. Checkout one of the many podcasts Charles has been featured on called “The Speakeasy Podcast.” To listen to the podcast below just click the image below and link will open.

 Most of us aren’t born with silver spoons in our mouths. But we need to be financially vigilant to improve our lives. And there’s no better time than the present to kick-start it, especially if you’re a student. Today, many people have little to no understanding of finances. This is one of the reasons why most Americans struggle with saving and investing.

 After a few years, the Financial Industry Regulatory Authority (FINRA) issues a financial literacy test as part of its National Financial Capability Study. It showcases people’s knowledge about compounding inflation, diversification, and interest. These elements matter a lot for a student, especially considering they have student loans to pay off. Senator Warren this year in 2022, stated something interesting at a news conference that was held for President Biden to use the Higher Education Act to cancel a share of student loan debt for students with federal loans. Warren said ‘student loan borrowers only sin was to be born into a family who couldn’t write a check for them’

 Unfortunately, that’s not how the world works. One has to acknowledge that even if parents don’t have enough money, they can help their children still get a quality college education. At least that’s what Charles Chadwick, the author of College Checklist & Cultivated Circumstances, suggests.

 Charles Chadwick has been a known influencer for helping college students be financially dependent right after high school. Senator Warren’s bold statement has sparked a debate claiming that only the privileged can achieve something big in the country. But that’s not the case. Charles Chadwick shares that his parents didn’t have enough money to send him to college, but it wasn’t a sin. He said his father refused to co-sign his loan, because he wanted Charles to figure out things for himself.

 He struggled during his peak, because he didn’t have the financial knowledge to start with it. Charles claims that knowledge about making credit work, investing, or working while studying wasn’t embedded in him. As a licensed plumber, Charles’s father taught him the importance of learning how to work in the trade industry and helped him understand how a business operates. Please see picture below of Charles’s father below working on a hot water heater in the trade field of plumbing.

 In hindsight, it’s not just Charles who claims financial knowledge is important during any student college days. The National Financial Educators Council suggests immense benefits for college students to have financial knowledge. Research shows that students can retain what they learn in classes better if they have real-life experiences. For instance, if they understand how student loans work, they will be able to better understand their finances and possibly cut college costs/expenses that are not needed.

 Over the years, we have been training for real-life experiences, but the question remains, are we ready for them? Charles Chadwick shares that he was told over and over again to go to college so much he felt like he was at a boot camp, and his teachers were like drill sergeants. So many times, Charles remember his teachers saying hypothetically “you need college for everything”. He remembers other students and himself trying to be creative to think of scenarios to challenge the idea that everyone must attend college to find success. They asked about professional basketball players who dropped out of college and went pro signed a million-dollar contract. The teachers would always bring up the same scenarios. They would respond by saying “What if the athlete gets hurt, he needs to fall back on an education.”

 Charles was young then and did not know how to think for hisself. With what he has learned now after many years of high school/college and real-life experiences he knows now how to respond. So many times, in high school teachers can sometimes go overboard with the pitch of college as the popular pathway to success. We now live in a world where financial information is available at the click of the mouse.

Trade School

 Charles wants students to know that all you need is a little faith and some financial knowledge and you will be okay. Had he known what he has learned now he would have definitely been able to challenge his teachers when he was in high school. For all students and parents reading this blog, Charles wants you to do something for him. The next time a teacher talks about a scenario like “what if a professional athlete gets hurt what will they fall back on?” “Charles, wants you to say a person can fall right back on their insurance policy!” There is insurance for everything these days. Here are some crazy types of insurance policies that actually exists. Checkout an on-line article from policyadvice.com titled “Weird Types of Insurance”

 Body Parts, Wedding, Divorce, Multiple Birth, Lottery, Falling Coconut, Fantasy Football, Death By Laughter Insurance Policies. The body part insurance ensures an athlete body parts.

 “The former NFL player Troy Polamalu insured his curly hair for $1 million. Rihanna has her legs insured for $1 million. Mariah Carey is a brilliant performer, and instead of ensuring her voice, her legs are breaking the records of a whopping $1 billion. If we were Mariah, we would fall more often. Many more singers have followed this trend. Moreover, many musicians spend fortunes on insuring their other body parts.”

 As you can see if an athlete or music performer gets hurt, they can fall back on insurance not just a college degree! Charles is happy that he attended college, but he is happier about something that his father did for him! Believe it or not Charles’s father did not write him a check to go to school, but he did teach him the importance of working hard and how to earn an income. All these things are small, but big in value why? Because these lessons incorporated Charles to learning and gaining more financial knowledge! It’s easy to understand that some students are struggling with their loan’s payments. In Charles own personal opinion, it’s not so much about money or having a parent to pay/write a check for a student to go to college. If there was a sin (hypothetically) far as dealing with student loans it would come down to one thing to start with first! A person has to understand finances first, so they can avoid or limit being financially hurt!

 Many students are in debt, because they were told to go to college to be successful etc. Earlier in this blog we have shared Charles high school experiences about teachers pushing the idea of college to be successful. There is a deep question to ask now. What is better for a student to learn and understand, first some financial knowledge or get into debt while pursuing college? This is the point of this whole blog message! To have or not have money is not a sin, but the real issue is how much more financial knowledge is needed before a college student begins!

 Students please don’t wait learn everything you can about finances it’s never too late! Many students as we see today, are eating their slice of payments from the big student loan debt balance cake! Charles advice for students is easy. Try to learn as much information as you can about finances first, so when you make any decisions about college you will not be financially hurt! When Charles attended college, He was not stressed out and lost, because he knew how to cut his college costs.

 Student loans are hardly a benefit for young aspirants. They have their whole life ahead of them, yet they face the daunting task of controlling their finances to pay off their student loans. How is that fair? Students spend their whole life just to repay their student loans. Further, with the rise of inflation and the value of money decreasing virtually every minute, there will continue to be challenges.

 Charles has a different take on this. Many students are in debt, because they were told college could help them succeed. Students are excited and motivated to get started with a college education, but as Senator Warren suggested, not having enough money is a sin. However, without financial knowledge first, they are rendered powerless. Charles suggested that he didn’t stress out about college due to his financial knowledge. All he had to do was cut back on his expenses by 40%, and he was able to catch up.

 Charles response in this blog to Senator Warren statement is perfectly placed, given that the lack of financial knowledge is a problem. However, that doesn’t mean that the Goddess of Victory only shines on those born with a silver spoon. Those not as privileged only need more financial knowledge to achieve their goals and dreams.

 If you’re one of the students looking to step foot in the real world, don’t fret. Life is a rollercoaster ride with lots of ups and downs. The key thing here is to understand is that having or not having money is NOT a sin, but a student must have financial knowledge before the college journey begins. Charles’ was featured on the Student Loan Podcast on Episode 69 which is all about the importance of financial knowledge. It covers:

 For more information, please visit his website. To listen to the podcast just click the images below to go to the links.

 Have you heard the joke, “Hiring a fresh graduate with three years of experience?” sounds funny, but that’s not a joke. In fact, most employers love to hire young graduates with work experience. But it’s easier said than done. Working during college is daunting and challenging, but it can be advantageous in the long run.

 Charles Chadwick, the author of the book College Checklist, shares that he had to work through his college years but claims it was the most significant decision ever made as it helped him on many fronts. He is blatantly open about it and claims that his work-study jobs significantly helped him in his professional journey. But the real question for young professionals is, “Is studying and working simultaneously a great way to get an early start?” Charles Chadwick thinks so. In today’s discussion, we will highlight reasons why students should start working during their college days.

 One of the most important reasons to work while studying is that it allows you to get the hang of the initial struggles. Students have to take out hefty student loans to get a good college education. So, working during college allows you to reduce and, in some cases, avoid or limit debt. In general, most people who work their way to college have lesser loan debt than those who don’t.

 A group of African-American students gathered some data to show interest rates among different ethnicities. Borrowers of different races or ethnicities indeed have varying obstacles in their quest for advanced education. Unfortunately, it’s not just limited to the United States. One especially intriguing stat was that 70% of White and Caucasian students have more debt than 40% of Black students. Further, black students in the United States have higher interest rates, but not elsewhere. Perhaps, the reason for the difference is that some people have to try harder to make ends meet in comparison to other groups for various reasons culturally.

 Charles shares that before he graduated college, he would eventually have to pay off his loans, but he understood his interest rates first and later on was not financially hurt! A person must understand their finances if they wish to strive and thrive in this world. Even outside of a college environment a person should always strive and acquire some type of financial knowledge. This is one of many lessons that Charles wants to share with the current and upcoming college students especially African Americans and all other races.

 However, the statistics and data do give Charles’s approach meaning. Please see the chart below to see the student loan debt ratio among students in the year of 2022. The chart comes from an online article by Hanson, Melanie titled ““Student Loan Debt by Race.”

 Lack of financial awareness has cost students a lot over the years, and it has become oddly predictable. The statement, shared by Jalil Mustaffa Bishop from PBS Article, is merely a foreshadowing of what will happen if we don’t take care of the situation right now. Charles Chadwick has always been a true nontraditional educationalist. He wants to make a difference by introducing students to a new type of mindset! Please start planning and understanding finances to achieve some type of success. It’s essential to understand that acquiring a student loan is very easy, but paying it off can sometimes be harder than one can imagine. So, it’s time that we take the initial step and gain financial awareness.

 In today’s fast-paced world, it’s all about making the right decision at the right time. Students, please don’t wait to start getting some type of financial knowledge! Don’t be like the many that have already graduated and are now eating their slice of payments from the big student loan deficit cake! Always learn finances first, because a student can then limit how much they could be financially hurt! When Charles attended college, he was not stressed out or lost, because he knew his interest rates and how to cut his college costs it had nothing to do with his race!

 Charles wants the same thing for future students. Order your copy of his books today to get started on the do’s and don’ts on how to achieve this goal. He wrote two books with the best futuristic outlook. In reference to reducing college expenses please pick up “ College Checklist” or if you want to learn a trade or develop a mindset for better career advancement, please checkout “ Cultivated Circumstances.”

 For more information about Charles and his events, please explore all pages on the website. Checkout one of the many podcasts Charles has been featured on called “The Speakeasy Podcast.” To listen to the podcast below just click the image below and link will open.

 Most of us aren’t born with silver spoons in our mouths. But we need to be financially vigilant to improve our lives. And there’s no better time than the present to kick-start it, especially if you’re a student. Today, many people have little to no understanding of finances. This is one of the reasons why most Americans struggle with saving and investing.

 After a few years, the Financial Industry Regulatory Authority (FINRA) issues a financial literacy test as part of its National Financial Capability Study. It showcases people’s knowledge about compounding inflation, diversification, and interest. These elements matter a lot for a student, especially considering they have student loans to pay off. Senator Warren this year in 2022, stated something interesting at a news conference that was held for President Biden to use the Higher Education Act to cancel a share of student loan debt for students with federal loans. Warren said ‘student loan borrowers only sin was to be born into a family who couldn’t write a check for them’

 Unfortunately, that’s not how the world works. One has to acknowledge that even if parents don’t have enough money, they can help their children still get a quality college education. At least that’s what Charles Chadwick, the author of College Checklist & Cultivated Circumstances, suggests.

 Charles Chadwick has been a known influencer for helping college students be financially dependent right after high school. Senator Warren’s bold statement has sparked a debate claiming that only the privileged can achieve something big in the country. But that’s not the case. Charles Chadwick shares that his parents didn’t have enough money to send him to college, but it wasn’t a sin. He said his father refused to co-sign his loan, because he wanted Charles to figure out things for himself.

 He struggled during his peak, because he didn’t have the financial knowledge to start with it. Charles claims that knowledge about making credit work, investing, or working while studying wasn’t embedded in him. As a licensed plumber, Charles’s father taught him the importance of learning how to work in the trade industry and helped him understand how a business operates. Please see picture below of Charles’s father below working on a hot water heater in the trade field of plumbing.

 In hindsight, it’s not just Charles who claims financial knowledge is important during any student college days. The National Financial Educators Council suggests immense benefits for college students to have financial knowledge. Research shows that students can retain what they learn in classes better if they have real-life experiences. For instance, if they understand how student loans work, they will be able to better understand their finances and possibly cut college costs/expenses that are not needed.

 Over the years, we have been training for real-life experiences, but the question remains, are we ready for them? Charles Chadwick shares that he was told over and over again to go to college so much he felt like he was at a boot camp, and his teachers were like drill sergeants. So many times, Charles remember his teachers saying hypothetically “you need college for everything”. He remembers other students and himself trying to be creative to think of scenarios to challenge the idea that everyone must attend college to find success. They asked about professional basketball players who dropped out of college and went pro signed a million-dollar contract. The teachers would always bring up the same scenarios. They would respond by saying “What if the athlete gets hurt, he needs to fall back on an education.”

 Charles was young then and did not know how to think for hisself. With what he has learned now after many years of high school/college and real-life experiences he knows now how to respond. So many times, in high school teachers can sometimes go overboard with the pitch of college as the popular pathway to success. We now live in a world where financial information is available at the click of the mouse.

 Charles wants students to know that all you need is a little faith and some financial knowledge and you will be okay. Had he known what he has learned now he would have definitely been able to challenge his teachers when he was in high school. For all students and parents reading this blog, Charles wants you to do something for him. The next time a teacher talks about a scenario like “what if a professional athlete gets hurt what will they fall back on?” “Charles, wants you to say a person can fall right back on their insurance policy!” There is insurance for everything these days. Here are some crazy types of insurance policies that actually exists. Checkout an on-line article from policyadvice.com titled “Weird Types of Insurance”

Vocational School

 Body Parts, Wedding, Divorce, Multiple Birth, Lottery, Falling Coconut, Fantasy Football, Death By Laughter Insurance Policies. The body part insurance ensures an athlete body parts.

 “The former NFL player Troy Polamalu insured his curly hair for $1 million. Rihanna has her legs insured for $1 million. Mariah Carey is a brilliant performer, and instead of ensuring her voice, her legs are breaking the records of a whopping $1 billion. If we were Mariah, we would fall more often. Many more singers have followed this trend. Moreover, many musicians spend fortunes on insuring their other body parts.”

 As you can see if an athlete or music performer gets hurt, they can fall back on insurance not just a college degree! Charles is happy that he attended college, but he is happier about something that his father did for him! Believe it or not Charles’s father did not write him a check to go to school, but he did teach him the importance of working hard and how to earn an income. All these things are small, but big in value why? Because these lessons incorporated Charles to learning and gaining more financial knowledge! It’s easy to understand that some students are struggling with their loan’s payments. In Charles own personal opinion, it’s not so much about money or having a parent to pay/write a check for a student to go to college. If there was a sin (hypothetically) far as dealing with student loans it would come down to one thing to start with first! A person has to understand finances first, so they can avoid or limit being financially hurt!

 Many students are in debt, because they were told to go to college to be successful etc. Earlier in this blog we have shared Charles high school experiences about teachers pushing the idea of college to be successful. There is a deep question to ask now. What is better for a student to learn and understand, first some financial knowledge or get into debt while pursuing college? This is the point of this whole blog message! To have or not have money is not a sin, but the real issue is how much more financial knowledge is needed before a college student begins!

 Students please don’t wait learn everything you can about finances it’s never too late! Many students as we see today, are eating their slice of payments from the big student loan debt balance cake! Charles advice for students is easy. Try to learn as much information as you can about finances first, so when you make any decisions about college you will not be financially hurt! When Charles attended college, He was not stressed out and lost, because he knew how to cut his college costs.

 Student loans are hardly a benefit for young aspirants. They have their whole life ahead of them, yet they face the daunting task of controlling their finances to pay off their student loans. How is that fair? Students spend their whole life just to repay their student loans. Further, with the rise of inflation and the value of money decreasing virtually every minute, there will continue to be challenges.

 Charles has a different take on this. Many students are in debt, because they were told college could help them succeed. Students are excited and motivated to get started with a college education, but as Senator Warren suggested, not having enough money is a sin. However, without financial knowledge first, they are rendered powerless. Charles suggested that he didn’t stress out about college due to his financial knowledge. All he had to do was cut back on his expenses by 40%, and he was able to catch up.

 Charles response in this blog to Senator Warren statement is perfectly placed, given that the lack of financial knowledge is a problem. However, that doesn’t mean that the Goddess of Victory only shines on those born with a silver spoon. Those not as privileged only need more financial knowledge to achieve their goals and dreams.

 If you’re one of the students looking to step foot in the real world, don’t fret. Life is a rollercoaster ride with lots of ups and downs. The key thing here is to understand is that having or not having money is NOT a sin, but a student must have financial knowledge before the college journey begins. Charles’ was featured on the Student Loan Podcast on Episode 69 which is all about the importance of financial knowledge. It covers:

 For more information, please visit his website. To listen to the podcast just click the images below to go to the links.

 Have you heard the joke, “Hiring a fresh graduate with three years of experience?” sounds funny, but that’s not a joke. In fact, most employers love to hire young graduates with work experience. But it’s easier said than done. Working during college is daunting and challenging, but it can be advantageous in the long run.

 Charles Chadwick, the author of the book College Checklist, shares that he had to work through his college years but claims it was the most significant decision ever made as it helped him on many fronts. He is blatantly open about it and claims that his work-study jobs significantly helped him in his professional journey. But the real question for young professionals is, “Is studying and working simultaneously a great way to get an early start?” Charles Chadwick thinks so. In today’s discussion, we will highlight reasons why students should start working during their college days.

 One of the most important reasons to work while studying is that it allows you to get the hang of the initial struggles. Students have to take out hefty student loans to get a good college education. So, working during college allows you to reduce and, in some cases, avoid or limit debt. In general, most people who work their way to college have lesser loan debt than those who don’t.

 Further, they are also financially smart, because they know how to manage their expenses and life. A part-time or remote job helps you become an expert at managing budgets and time. Even if you don’t work full-time, you can have the experience required to land a decent job, earn extra cash, and avoid debt.