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Filed under: Student Loans, Family Money, College, Financial Aid, EducationAlamy Great news! Your daughter is ready to go off to college, and you just heard back that she's been accepted to the University of Virginia, where in-state tuition and fees are running just under $12,000. Horrible news! You don't live in Virginia. You live in [somewhere else]. And as a result, sending Little Miss off to UVA is likely to cost you nearly $37,000 -- three times the price for an in-state student. If this situation sounds familiar, it should. It's a dilemma that hundreds of thousands of parents face every school year. Live on the right side of the state line, and you can get a world-class education at a "name" public university for a bargain price. Live on the wrong side and you're faced with a choice: Send your kid to your local Podunk State U. for the cheap in-state rate, or pay through the nose for his public or private dream school. (Because once out-of-state surcharges are figured in, there's often little difference between the tuition costs of public and private.) But what if there was a way to get around the provincial strictures of in-state rates? What if there were a way to sneak your kid into his out-of-state dream school at the in-state price? A Bible for Cheapskates Turns out, there may be a way. There may even be several. In the personal finance book "Achieve Financial Freedom -- Big Time!" authors Sandy and Matthew Botkin lay out a handful of strategies for securing in-state tuition rates. Not all of them work for all people, all the time, in all situations. But when you're talking about the chance to cut tuition costs by 66 percent, it's probably worth examining your options. Here they are: 1. Take advantage of "academic common markets": In certain regions of the country, states have banded together to offer in-state tuition rates to students within their "common market." There are four such markets in existence: New England Board of Higher Education: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Midwestern Higher Education Compact: Kansas, Michigan, Minnesota, Missouri, Nebraska, and North Dakota. Western Interstate Commission for Higher Education: Alaska, Arizona, California, Colorado, Idaho, Montana, Nevada, New Mexico, North Dakota (yes, them again), Oregon, South Dakota, Utah, Washington, and Wyoming. Southern Regional Education Board Academic Common Market: Alabama, Arkansas, Delaware, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, and West Virginia. Within each common market, students residing in one state, accepted to a school in a different state, can apply for in-state tuition at their preferred school if they're studying in a major not offered by any public school in their home state. 2. "You've got a friend in Pennsylvania (and Elsewhere)": An analogous program, less official, more variable, and dubbed the "friendly neighbor policy," can be found on occasions where states are willing to bend the rules a little. Sometimes, a state will grant in-state tuition rates to a student who lives near the border in a neighboring state, according to "Achieve Financial Freedom." Emphasis on "sometimes." Sponsored Links 3. We're All Moving to College: You say your dream school's home state is not inclined to be friendly? Fine. Do an end-run around too-strict in-state tuition policies by moving to your dream school's state. Just make sure to do this at least one year before beginning school, and make sure to register to vote, and pay taxes, in your new state as well. 4. Emancipation Proclamations: Too late to move the whole family before school starts? There's still another option. If a student declares herself independent of her parents -- and can prove it by, for example, showing she has sufficient funds (or access to sufficient loans) to pay for tuition and room and board -- then it may be

Filed under: Shopping, Car Buying, Auto Loans, Consumer Issues, Spendingjupiterimages Memorial Day weekend marks the official beginning of summer, as well as a chance for car dealers to use that extra day to try and lure buyers into the showroom. If you have been watching TV, listening to the radio or reading the newspaper, you know there are Memorial Day "blowouts" galore. More people are in market to buy a new car than even automakers thought would be the case a few months ago. To cope with rising demand, Detroit companies are pulling back on customary summer downtime for workers and telling them they will be needed to turn out more new sheet metal. Considering their plight a few years ago when General Motors (GM) and Chrysler both filed for bankruptcy, this is a high-class problem to have now. So, what do you need to know as you scroll shopping sites such as AOL Autos for the your next set of wheels? Here are some of the latest reviews, news and buying tips that will save you money and hopefully make your buying experience the best it can be. Here is our list of the best deals you can get in May based on how much dealers are discounting vehicles off the MSRP. Maybe one of these vehicles is on your wish list: The Best New Car Deals: May 2013 While there are plenty of sales and generous lease offers to go with Memorial Day weekend, not every car will be discounted. These are the hardest new vehicles to dicker on because they are so much in demand: The Toughest Cars to Negotiate: May 2013 How are you judging quality when you go shopping? It's tough, we know. So many rankings. Hopefully, this gallery of some of the highest ranked vehicles will give you some perspective as you shop: Which Car Companies Make the Highest-Quality Vehicles? Are you a millionaire already? Do you plan to be one soon? Are you interested in making a statement about your success with the car you put in your garage? Perhaps you would like to read Sharon Carty's review of the newest Bentley, the Flying Spur, which she had a chance to test drive in China this month: 2014 Bentley Flying Spur Test Drive Crossovers, what we call compact SUVs these days, have become a popular choice for families as a replacement for the station-wagon. And if you only have one or two kids, you don't really need a minivan. But vehicles such as the Honda CR-V, Toyota RAV4 and Ford Escape, while popular, aren't always as safe, according to the ratings, as other vehicles. This story tells you why and gives you some tips and information on why: Safety Can Be Hard to Find Among Small SUVs When you go to negotiate your new car purchase, fees can add a lot of unexpected cost to your final deal. But you don't always have to pay them. You can negotiate them down or away all together. Here is AOL Autos guide to reducing your costs at deal signing time: Don't Pay Car Dealer Fees Without a Fight Are you looking for a reliable high-quality used car? Here is AOL Autos latest list of best deals on used cars under $10,000: Our Favorite Used Cars Under $10,000 %Gallery-184765% Permalink | Email this | Linking Blogs | Comments

What happens if, instead of one sales call a day, you make ten? Or if instead of 3 freelancers working on scaling your work, you have thirty? What happens if you add a zero in places where it feels impossible to handle... what then? Scale isn't always the answer, but if it is, then scale. Build the systems necessary to dramatically change your impact. Halfway gets you nowhere.

Inflation and Stocks David R. Kotok May 24, 2013 Inflation is not on the radar anymore. We do hear occasional comments from central bankers who warn about future inflation arising from QE. We also recall a few statements in the media along the lines of, “They’re printing all this money, we’re going to have huge inflation, and interest rates are going to shoot up.” We have been on the low-inflation side of that debate for years. We have supported the argument that there is a huge overhang of surplus capacity in the global labor force and that inflation is not a problem when labor income is flat, falling, or not rising robustly. This coincides with a wounded credit multiplier and a damaged financial credit system, conditions that have existed for the last five years. They are gradually improving, but only gradually. They are conditions that cause deflationary pressures. Will we have deflation? We are not certain. The forces at work globally that could bring on deflation are being blunted by the huge quantitative easing (QE) being undertaken by most major central banks. Let’s take a quick look at the US. All important measures of inflation in the US are on downward trends. Many thanks to Credit Suisse’s Neal Soss and Jay Feldman for a recap of the data in their research note of May 17. They report Core CPI, Cleveland Fed Median CPI, Cleveland Fed Trimmed Mean CPI, Core PCE, and Dallas Fed Trimmed Mean PCE. All are trending downward, as measured on a year-over-year basis, and those trends are accelerating. Commodities are also on downward price trends. So are the more esoteric inflation measures like market-based indices and chained indices. In the case of the Core PCE, which is believed to be the Federal Reserve’s preferred measure, the rate of inflation measured year-over-year is approaching one percent. Remember that the Fed’s threshold for any change in monetary policy is two percent. And Fed communications have suggested that a rate of 2.5 percent would be the threshold for any action taken to alter QE for the purpose of improving the employment statistics. So we are a full point and half away from that threshold, and the trend is in the opposite direction. The Fed’s stated unemployment threshold is 6.5 percent on the traditional headline unemployment rate (U-3). The Fed has also talked about other elements in the employment statistics, suggesting that the U-3 unemployment rate is not the only target measure for restoring the US to a more robust recovery. The charts and graphs that we have posted on our website and released in speeches present the employment statistics in a variety of ways that may be useful. Other measures, such as the U-6 broad-based unemployment rate, Beveridge Curve analysis, and the disaggregation of employment data, all point to a very large underutilized labor force in the US. The same seems to be true for most of the rest of the world. Our conclusion is that inflation is not a problem now and is not likely to become a problem soon. In fact, if certain indicators of inflation continue to head downward, they could trigger a reaction by the Fed because the risk of deflation will be perceived to be rising. Is deflation a threat today? The answer seems to be no. More likely, we are in a period in which the rate of inflation will be too low to be a problem and will gradually turn higher over several years as additional stimulative policies unfold worldwide. Meanwhile, low inflation is a very healthy environment for the stock market. It means that inflation distortions in reports of earnings are nearly nonexistent. That implies that the quality of earnings reports is very high, since they do not contain the distortions that occur in accounting systems when inflation is high. Higher-quality earnings justify higher price/earnings multiples and higher stock prices. There is a consistent linkage between very low inflation and very strong asset pricing. Th

If you're a fan of the classic 1970s TV show "The Brady Bunch", you know well the plight of Jan. While older sister Marcia was the pretty, do-no-wrong girl-next-door, and younger sister Cindy was a ball of lisping, curly-haired cuteness, Jan was awkward, angst-ridden, and often overlooked as the Bradys' middle daughter. (You may remember her famously complaining that all anyone ever talked about was, "Marcia, Marcia, Marcia!")Well, in the stock market right now, a bit of a Brady-Bunch-girls dynamic is occurring among value stocks. According to Morningstar's total return style-box indices, small-cap value stocks are currently trading for about 13.6 times prospective earnings, and their large-cap peers are trading for 12 times prospective earnings. Mid-caps, meanwhile -- the Jan Bradys of the market -- are getting little attention, trading at a just over 10 times prospective earnings.The bargain-basement prices of mid-caps are perhaps a result of

Juan Santana, CEO de Groupalia, habla con Radio 3. Enesta entrevista sobre la compra colectiva, afirma: “Conectamos 7 millones de usuarios con el dueño de es…

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This week, Brooklyn Brewery is hiring a multimedia manager, while Visiware needs a senior account manager. Science Friday is seeking a web producer, and Dickson is on the hunt for a creative content strategist. Get the scoop on these openings and more below, and find additional social media jobs on Mediabistro. Multimedia Manager Brooklyn Brewery [...]