10 Colleges/Universities in the Portland, Oregon Area

portland stateToday’s post is focusing on colleges and universities in the Portland, Oregon area.

Portland State University

Portland State University is a public university that was founded in 1946. Their motto is “Let knowledge serve the city”.

Portland Community College

Portland Community College is the largest community college in Portland with nearly 90,000 students enrolled there.

Oregon Health and Science University

OHSU is a public university that was established in 1974. They have a school of medicine, a school of nursing and a school of dentistry.

Lewis & Clark College

Lewis & Clark College is a private school that was established in 1867. Their motto is “To explore, to learn, to work together”.

Pacific Northwest of College Art

Pacific Northwest of College Art is a fine arts and design college. They offer 10 undergrad programs including printmaking, photography and illustration.

Concordia University

Concordia University is a private institution that was established in 1905. Their nickname is the Cavaliers.

Multnomah University

Multnomah University was established in 1936. They offer bachelors, masters and doctorate degrees.

University of Portland

The University of Portland is a Roman Catholic school that was established in 1901. Their colors are purple and white.

Reed College

Reed College is a private liberal college that was founded in 1906.

Warner Pacific College

Warner Pacific College is a Christian liberal arts college. Their nickname is the Knights.

College Information , , , , ,

May 2015 Debt Update

Image courtesy of jesadaphorn at FreeDigitalPhotos.net

Image courtesy of jesadaphorn at FreeDigitalPhotos.net

It’s time for my monthly debt update post. I paid off my discover card last month. I started this journey with over $72,000 worth of debt. I intend to have the debt paid off by October 2018. I plan on doing that by making extra money with this website, selling t-shirts and selling items on eBay. Below is my most recent update.

My total debt went from $71,718.63 to $71,514.63. It decreased by $204. It seemed like it was more, but most of this debt accrues interest. I’m not worried. I am making strides and I will keep this momentum going.

Loan 2 – Down from $5980 to $5970

 

Credit Union Loan – Down from $441.38 to $430.82

 

Wells Fargo Loan – Down from $1402.02 to $1350.77

 

Bank of America Credit Card – Down from $3282.42 to $3250.24

 

Navient Student Loans – Down from $25, 953.34 to $25857.26

 

Nelnet Loans – UP from $34,623.05 to $34,655.54

I am happy with my results. My focus now switches to my Credit Union loan. I will add more money to the minimum payment as well as apply anything extra to it. I am ready for this loan to be a memory very soon. Check out my previous debt repayment posts:

February 2015 Debt Update

March 2015 Debt Update 

April 2015 Debt Update

How is your debt repayment coming along?

 


Debt, Life , , ,

Pros and Cons of Miami During Memorial Day Weekend

mia2015Miami, home of the Heat, Marlins, Dolphins and of course South Beach. If you’ve been a reader of my blog for a while you know that I love Miami. It’s something about that city. The weather is typically good year round. There is always something to do.

Memorial Day weekend in Miami is huge. There are numerous events going on from Thursday – Monday. In this post I give you my pros and cons of going to Miami for Memorial Day weekend (MDW). I’ve visited the city twice during MDW. I had a good time both visits. I will start out with the pros.

Pros:

It’s Miami

It’s Miami. There is always something to do. Browsing the shops at the Lincoln Road Mall, walking down Collins Avenue or even visiting the World Famous King of Diamonds are just a few of them.

The weather

During that time of the year the weather is usually great. With high temperatures in the 80’s, what is there not to like? Just make sure you have your sunscreen with you.

Party with your favorite artist

Numerous hip hop artists will be in town for MDW. A lot of them will be hosting parties at the clubs on South Beach. If you’ve ever wanted to party with one of them this might be your chance.

Cons:

Price Gouging

This usually happens with any holiday. MDW is no different. The same party that will be thrown by your favorite rapper that would typically start at $25 per entry will now be at least $50. Also, the hotel prices will be a lot higher than normal. A room that usually cost $140 per night may be more than double that price. The rooms cost higher the closer you get to the South Beach area.

Crowds

People come from all over the country to visit during MDW. With people staying as far as Sunny Isles Beach, Florida you are guaranteed to see a lot of crowds. The lines to some of the bars are longer than they are during Spring Break! If you are going to the club during MDW weekend make sure you leave early.

Parking

Parking already sucks on South Beach. It is 10 times worse during MDW. You’re better off walking to most places. If your destination is to far you can use Uber or take a taxi. The two times I went during MDW I stayed within walking distance of most of the places I was trying to go.

Could attract the wrong crowd

I’ve never had a problem in Miami during MDW at all. Having almost every rapper, Instagram model and fake D-boy in the country, I could see how something could happen though. To my knowledge there hasn’t been any crazy amount of violence down there. Hopefully it stays that way. Most people are down there to party and have a good MDW anyway.

Those are my personal pros and cons of going to Miami during MDW. Would I go again? Maybe if I was still in my twenties but now, hell no. Been there, done that.

Have you ever been to Miami for MDW? If so how was your experience?

Travel , , , , , ,

10 Things New College Graduates Should Know

10 things gradFor a lot of college seniors May is a great month. They have to opportunity to walk across that stage and get their degree. The years of hard work have finally paid off. You are now a college graduate! Be proud of yourselves. This is a very important time in your life. I want to share with you today 10 things new college graduates should know. I wish I had a list back in 2008 when I graduated.

Things get real.

This might sound cliché, but it is the truth. Things really do get real now. You’re a college graduate and you’re officially an adult. There are a lot of decisions that you have to make now such as your living arrangements.  If you went to school in another city do you stay there or go home? If you stay there do you have an apartment yet? Will you have a roommate? Will the bills be in your name? Do you have the money if you need to put down a deposit? Those are just a few of the questions that new grads should ask themselves.

Student Loans.

If you took out student loans, they will need to be repaid. Around November you should get your first statement from your lender. Do not look at that bill and throw it away. I know everyone isn’t able to make that first payment, but at least try to work with them. Most loan companies will allow you to get a deferment or forbearance if you are having financial difficulties. There is nothing wrong with having to do that. I’ve done it before. Just make sure you start applying something to the student loan though.

You have the college degree but….

You have the college degree, but now you don’t have a full-time job. You will eventually get it if you keep applying. In the meantime don’t be too arrogant or uppity to work a $9 – $10 an hour job. Any money coming in to help you pay those bills off is good. Remember that the $9-$10 job is only temporary. Better days will be coming soon.

Don’t become a career student.

Don’t just keep going to school if you don’t know what you want to do. Getting multiple degrees and having a plan is one thing, but staying in school because you’re trying to keep your loans deferred or because you’re lost in life is another thing. Being a career student makes you have more debt. Eventually you will have to graduate and do something with your life.

Make an impact at your new job.

If you have a job after graduation, make an impact early. Come to work on time every day. Make sure you do a good job on your work assignments. Be helpful. Those are the type of things that will get you noticed. It could lead to more income and more opportunities within the company.

Network with alumni as much as possible.

Your alumni network can be crucial to your future. I wish I would have look into mines. Many alumni have companies or are CEO’s. By contacting them, they could help you get your foot in the door.

Move back with your parents.

There is nothing wrong with moving back in with your parents for a little while after graduation. Times can be tough. If they allow it, you could stay with them until you get on your feet.  Staying with your parents will allow you to save money and get adjusted to life after college.

Don’t worry if you don’t have a plan.

If you don’t have a plan don’t worry. A lot of people would like for you to think that they always had a plan in life after college. Don’t get me wrong some did, but a lot didn’t. Don’t feel bad or stressed out. Hell, I didn’t have a plan until a year or so after school. I was just happy to graduate :) .

Don’t give up!

Things might not always be the easiest for you once you graduate, but don’t give up. For some including myself going from college life to life after college was a major adjustment. There will be some bumps in the road. That shouldn’t deter you though. Things will eventually work out for you.

Enjoy the moment.

The final item on this list is to enjoy the moment. Unless you decide to go to Grad school this will probably be the last time that you will ever graduate. Enjoy it! The summer after I graduated I went to Las Vegas, Florida and New York. I had to live it up. College wasn’t easy so I wanted to celebrate the fact that I received my degree. If you have the opportunity take some time to travel and enjoy yourself before you have to start life in the “real world”. If you think it costs too much to travel think again. This article gives you tips on how to travel on a budget. If traveling isn’t your thing find a different method, but make sure you enjoy the moment.

There you have it. Those were 10 things new college grads should know. Did I miss anything? What 1 thing do you wish you would have known when you 1st graduated?

College Information, Life , , , , , ,

May 2015 Life Update

Image courtesy of arztsamui at FreeDigitalPhotos.net

Image courtesy of arztsamui at FreeDigitalPhotos.net

Time is flying right now. It’s almost mid-May. I haven’t even updated y’all on how my April went. It was a pretty good month for me. I was able to pay off my Discover credit card. My web traffic was pretty good as well.

I had set a goal to make between $600-$800 in side hustle money. I only did half of that. The main reason why I didn’t get to that goal was because I had my worst month in eBay sales since 2014. I only had $85 in sales. I already know I will do better this month. I’m almost at that amount now. Below are a few of my current auctions:

Nike Blazer High

Repo Joe Bobblehead

Nike Lebron Zoom 4

1996 Georgia State University Yearbook

I also tested out a couple sponsored ads on Facebook to see if that can help me get more traffic. I received a few more subscribers and an affiliate sale using this strategy. That is good in my book. This month I plan to test out a couple more ads.

I also plan to enjoy myself on this short trip that I have planned during Memorial Day weekend. I haven’t been on a real trip since I visited Miami for NYE. That was 5 months ago which is too long for me.

How was your April? What do you have planned for May?

 

Ebay, Life , ,

Why You Should Consider Drying Out From Time to Time?

997_minToday I have a guest post from Anum that owns Current on Currency. Enjoy!

Ever heard of Dryanuary? It’s when people take a break from alcohol during all 31 days of January. It’s part of the New Year’s resolution trend that people follow when each new year rolls around.

The cool thing about Dryanuary, though, is the way we evaluate ourselves once we’ve pledged to abstain from alcohol. Some of us sleep better, some feel happier and some lose weight. It makes us realize that our consumption habits might be taking a toll on our health.

Dryanuary began in 2013 when U.K.-based group Alcohol Concern launched the campaign. Alcohol Concern reported more than 17,000 people joined in the pledge to go dry in January 2014. The trend soon made its way over to the states, with #dryanuary popping up on Twitter and Instagram.

Why should we limit ourselves to just one month? Could we try to eliminate alcohol during other months throughout the year? It’s certainly possible, but it takes a lot of dedication, motivation and resistance. You’re probably shaking your head, saying that just simply isn’t possible for you. Maybe these benefits will change your mind:

You’ll Save Money

Saving money is an obvious benefit. Consider this statistic: a U.S. Bureau of Labor Statistics report from August 2012 declared that Americans spend about 1 percent of their yearly income on alcohol alone.

We all know some heavy drinkers in our lives. It’s a well-known fact, of course, that heavier drinkers will spend more on alcohol per week. Even if you drink only a few times a week, your bill can still add up – especially if you go to restaurants or bars. The trip to get there and back, plus possible food costs, can end up being a $100 night.

To put it another way, think about when you were between the ages of 18 and 21, when most people drink pretty heavily. If you use $50 as a baseline for the cost of alcohol, you could have saved almost $8,000 over that time period.

You’ll Feel Better

Besides financial benefits, your body will also benefit from being free of alcohol. If you stop unwinding with a drink every night, you’ll wake up feeling refreshed and ready to start your day.

Taking a break will also decrease your tolerance level. When we drink, we build up a tolerance to alcohol. This means that every time we get drunk, we need to consume a little more each time in order to get the same effects. If you abstain from alcohol, your tolerance will reset itself, which will make it easier to cut back.

Some studies have even connected abstaining from alcohol to weight loss.

You’ll Be More Productive

When you wake up feeling alert from skipping a drink, you’ll be more productive, and for good reason. Alcohol is often associated with cardiovascular disease, depression and high blood pressure – and these diseases can all affect how productive you are.

One common misconception about alcohol is that it can help you fall asleep faster. Instead, alcohol affects the body’s ability to enter deep stages of sleep. Instead of having a nightcap to help you fall asleep, you could try tea, water or a quiet activity such as reading.

Hopefully, these three benefits have convinced you that drying out every once in a while can be a healthy life step. You’ll be more financially sound, more productive and happier without it. So skip that drink tonight – it’ll be worth it.

Anum Yoon recently joined the blogging bandwagon to write about money management, frugal advice, and financial trends. She started and maintains her personal finance blog, Current on Currency. You can also sign up for her newsletter to read her weekly updates.

Life , , ,

1 Debt Down, 6 to Go!

1down6Happy Cinco de Mayo everyone! I hope everyone had a great April. Hopefully May will be good for you as well.

On the last day on April I was able to pay off my Discover card. It felt great to FINALLY eliminate one of these debts. If you’re new to my blog I am paying off my debt by doing a couple of actions. The first thing I’m doing is using the snowball method to pay it off. The second thing that I’m doing is using extra money from several side hustles to help with the payments. An example of the debt snowball method is below.

Since my Discover card payment was $50 dollars each month I would add that $50 to the next bill. That extra $50 along with the regular payment of that bill would allow me to pay that debt off quicker. I will complete this process with each debt until they are paid off.

I am switching it up a little bit though. Instead of applying the full $50 to the next debt I will only apply $30. The other $20 will go towards savings. Even though I’m paying off debt I still need to have some money in my savings account that is not connected to my emergency account.

Earlier I stated that I also use extra money to pay on the debt as well. I currently have a part-time job, a big cartel t-shirt store and I sell items on eBay. This money should definitely help me pay things off quicker as well.

The 6 debts that I have left are my credit union loan, Bank of America credit card, loan 2, Wells Fargo Student Loan, Navient Student Loans and Nelnet Loans. I will get into detail of those amounts when I post my usual debt update later this month.

Did you eliminate any debt last month? What’s your plan for attacking it this month?

Never miss a moment by subscribing to The Butler Journal’s newsletter HERE.

Debt , , , , ,