A Long-Term Strategy for a Tough Job Market
Graduation season is right around the corner. And if you’re among those about to receive a hard-earned college diploma, the thought of more school may be the furthest thing from your mind. But in today’s tough job market, continuing your education with graduate studies may make financial sense – especially if a job search becomes prolonged and looks like it’s leading nowhere.
Benefits of an Advanced Degree
Potential to earn more
In 2008, a person with a master’s degree earned about 25% more, on average, than someone with a bachelor’s degree.*
The unemployment rate for individuals with advanced degrees is about half the rate for high school graduates.* Not only are you expanding your knowledge base, you are gaining additional skill sets that make you more valuable to employers.
Especially in science fields, exposure to specific research projects may prove invaluable on your résumé. It might also help you zero in on what you really want to do with your career, giving you greater job satisfaction down the road.
Paying for Graduate School
Just like your undergraduate diploma, earning an advanced degree is an investment in your future. There are multiple sources of funding available for graduate students including fellowships, assistantships, grants and scholarships. Fellowships are similar to scholarships and don’t require repayment, but may require a recommendation from a faculty member. Assistantships are similar to undergraduate internships or work-study programs and generally require you to work as a teacher or research assistant. Grants are awarded based on financial need, while scholarships are given based on academic excellence or a specific talent. And loans – government and private – are often used to fill in any financial gaps that remain.
Earn as you Learn
Whether you pay for grad school with loans, grants, scholarships or the money great aunt Millie left you, saving a little extra for yourself can really come in handy. MIDFLORIDA offers College Savings Certificates and youth savings accounts to help you earn more on the money you save. Visit a MIDFLORIDA branch or call the Help Desk toll-free at (866) 913-3733 to find out more about these accounts and to start saving today.
* Source: U.S. Bureau of Labor Statistics, 2009.
© Copyright 2014, BlueSpire Strategic Marketing. All rights reserved.
The information in this archived content was current at the time it was published. However, BlueSpire Strategic Marketing is not responsible for information that may have changed since the original publication date.
WIN FREE TICKETS!
If you are between the ages of 10 & 22*, and know good music when you hear it, you’re the perfect candidate to win two 3-day passes to the legendary BIG GUAVA MUSIC FESTIVAL at the MIDFLORIDA Credit Union Amphitheatre on May 2-4, 2014!
The lineup is beyond steller. Where else can you see Outkast, Vampire Weekend, Foster the People, Twenty One Pilots, Tegan and Sara, Slightly Stoopid, and the Violent Femmes – just to name a few? Nowhere! With 4 stages, food trucks and free rides - what’s not to love!?
Now for the tough part… entering our contest. Text keyword GUAVA to 64335 thru 4/29.
You: Really? That’s it?
Us: Yep. Man, we make it easy to win…
*Contest is open to youth ages 10-22 within MIDFLORIDA’s service area. One entry per person per day. To enter, you must text keyword GUAVA to 64335 from 4/25/2014 through 4/29/2014. Winner will be contacted via the phone number used to text in their entry on the morning of April 30 and must respond by the close of business on April 30, 2014, or an alternate winner will be selected. If you are under the age of 13 and have won a giveaway or prize of any kind from MIDFLORIDA in the past, we must receive your parent’s or legal guardian’s consent to contact you should you win more than one giveaway. Parental consent can be provided by emailing email@example.com. Winners without parental consent may be deemed ineligible and prizes forfeited. Credit union employees, officials, vendors and their immediate families are not eligible to win.
Love is in the air and we LOVE to give away prizes! So…
What’s better than dinner and a movie??? FREE dinner and movie!
Enter to win $25 to Olive Garden AND a $25 Fandango card, just by sharing or retweeting our Facebook, Twitter or Instagram posts with #treatsfortweets. We’ll pick two winners on Monday, February 10, just in time for Valentine’s day!
Here’s how to enter:
Share or retweet one of our posts about the contest.
Start thinking about who you’re going to take to dinner and a movie for Valentine’s Day!
Contest is open to youth ages 10-22 within MIDFLORIDA’s service area. One entry per person. To enter, you must like or follow RT4T on Facebook, Twitter, or Instagram and share or retweet the giveaway photo or post. Winner will be contacted via Facebook or Twitter on February 11 and must respond by February 12, 2014, or an alternate winner will be selected. If you are under the age of 13 and have won a giveaway or prize of any kind from MIDFLORIDA in the past, we must receive your parent’s or legal guardian’s consent to contact you should you win more than one giveaway. Parental consent can be provided by emailing firstname.lastname@example.org. Winners without parental consent may be deemed ineligible and prizes forfeited. Credit union employees, officials, vendors and their immediate families are not eligible to win.
Did you know that your MIDFLORIDA debit card does more than give you an easy way to pay for your essentials? It can actually earn you money!
Your MIDFLORIDA debit card earns you points for every dollar you spend when you use your card. Earn:
- 1 point for PIN-based transactions (except ATM transactions)
- 2 points for credit-based transactions of $99.99 or less
- 3 points for credit-based transactions of $100.00 or more
You can earn points going to the movies, shopping at the mall or anywhere else that your adventures take you! Then, redeem those earned points for cash or gift cards—to go to more movies, or do more shopping at the mall.
Once you earn 200 points, you can redeem them for $5 cash or a $5 gift card to a variety of retailers. Or save up more points for a or a larger amount.
But, in order to earn, you have to be enrolled! Visit online banking at www.midflorida.com to start earning today!
- Online Banking is required to enroll into a debit card rewards program. Only one debit card rewards program can be assigned per checking account; however, you may change your rewards program at any time. After you enroll your card, it may take two to five business days to begin earning rewards. The per-transaction reward amount may be subject to change without notice. On-The-Go Mobile Banking account holders receive a monthly reward for their account and will not qualify for any type of debit card rewards. Investor Checking and Freedom Banking do not qualify for debit card rewards.
- The 10¢ per transaction may be subject to change without notice. To earn the per-transaction donation, you must use your debit card as a credit when making purchases. Purchases using a PIN or transactions at any ATM will not earn “reward money” for the school or green cause rewards programs. Donated funds are accrued daily and paid annually and do not earn interest.
- While the Statement Rewards offers are tailored to you, no personally identifiable information is shared to create these offers.
It happens to all of us from time to time. You wait in a loooong line, FINALLY get to a cashier and BOOM! You realize you left your MIDFLORIDA debit card in the pocket of your OTHER jeans, not the one you’re wearing. Oh, the embarrassment… But thankfully, you weren’t shopping alone. Your bestie comes to the rescue and pays for the novelty mustache sunglasses you HAD TO HAVE! What a lifesaver! But now you have a serious problem – you owe your best friend money. Eeek! Owing money to friends is never good. If only there was an easy way to pay them back… Well, thanks to your favorite credit union, there is! Try using Pay-a-Person from MIDFLORIDA. Pay-a-Person turns your iPhone or Android smartphone into an instant friendship saving device.
It’s easy – just log in to your MIDFLORIDA Mobile Branch app and click on the Pay-a-Person icon. (In Mobile Banking world, your friends are known as payees, so don’t let the lingo scare you.)
Click on “My Payees” and follow the prompts to add the person you want to send money to. You’ll enter a “shared word” that only you and your friend will know. Then, once your friend receives the payment request, they’ll enter the shared word and their account info. And voila! You’ve paid your friend and salvaged your relationship, thanks to MIDFLORIDA.
Maybe you’ve written your Christmas wish list and sent it to Santa – or maybe you’ve dropped a million hints to your parents about what you want for Christmas. Or maybe you haven’t thought about it at all (but we doubt that!). Whatever you’ve done to ensure you get what you want for Christmas, we’re making it a little bit easier to get one awesome gift this year.
We’re giving you a chance to win a Google Nexus 7 tablet. It’s easy to enter.
Like our Facebook page at www.facebook.com/RT4T.
Post a comment on the giveaway photo on Facebook.
A winner will be randomly selected on Monday, December 23, at 9am. The winner will be contacted via Facebook so be sure to check back that day. Good luck!
Contest is open to youth ages 10-22 within MIDFLORIDA’s service area. One entry per person. To enter, you must like the RT4T Facebook page and comment on the giveaway photo posted on Facebook. Winner will be contacted via Facebook Messages on December 23 and must respond within 5 business days or an alternate winner will be selected. If you are under the age of 13 and have won a giveaway or prize of any kind from MIDFLORIDA in the past, we must receive your parent’s or legal guardian’s consent to contact you should you win more than one giveaway. Parental consent can be provided by emailing email@example.com. Winners without parental consent may be deemed ineligible and prizes forfeited. Credit union employees, officials, vendors and their immediate families are not eligible to win.
Christmas is a magical, joyful time! But it can also be hard on your wallet.
How do you give a gift to your favorite people without breaking the bank? Revert back to your younger school days and make gifts!
Below are some ideas (and instructions on how to create them) your friends are sure to love!
For that fashionista friend who likes to be different, the bleach pen shirt is perfect! There are so many design ideas online, so you’re sure to find the perfect one.
The Cassette Tape Wallet will be a Number #1 hit for the music lover in your life!
Bottle cap magnets can spruce up any friends locker or fridge!
The Vinyl Record Bowl will top the charts for the collector that has lots of stuff to store!
If baking is more your thing, you can make cute bags to present your baked goods in. Just use scrapbook paper and ribbon to decorate the top of the bag.
There you have it! Fun, fabulous and thrifty ideas for the holiday season!
Your phone is your lifeline—it keeps you connected with your friends; shouldn’t it keep you connected to your cash too?
MIDFLORIDA now offers text banking.
You can get your account info in seconds and it works with any mobile phone! To sign up, you just have to log into Online Banking (under the Profile section) or Mobile Banking (under settings). Then, you can text commands to get account info, without having to log into your account.
Just text MIDFL (64335) with these commands:
- bal= balances on all enabled accounts
- bal nickname= balance on any one account
- hist nickname= transaction history on any one account
- dep nickname- last deposit on any one account
It’s super easy, so sign up ASAP! At school, work or play, you’ll always be in the know with MIDFLORIDA.
If you're like most high school students, you may already be looking forward to the breaks listed on your school's calendar.
It’s true that holiday breaks give you a great chance to spend quality time with family and friends. But if you have a few extra days off from school and you don’t have much to do, it can also be a perfect opportunity to tackle some big projects.
Here are some ideas
Reorganize your room. If you have outgrown your bedroom’s décor along with last year’s tennis shoes, go through your dated or unused possessions and decide what you can donate or hand down to younger siblings. Sort and put away only the clothing that fits and the items you’ll use.
Start or continue your college search. Spend some time on the Internet reading about colleges you may want to visit. Or if you are a senior already, filling out school applications and checking on scholarship deadlines are an important use of your time.
Check out internships or volunteer positions. These types of activities look great on college or job applications. See what’s available in your area that you are interested in and schedule a visit to learn more.
Update and de-clutter your digital life. Your online data can quickly grow out of control if it’s not organized. Create file folders on your computer that are labeled in a way that allows you to easily find your documents, emails, photos and music. Consider updating your Facebook page or applying additional privacy features.
Organize your finances
Break time is also perfect for getting your finances organized. At MIDFLORIDA, we would be happy to demonstrate our online banking capabilities for your checking and saving accounts. Call or stop by a branch.
Toll free (866) 913-3733
We heard Selena got a little emotional at her Brooklyn concert while singing “Love Will Remember,” which has been said is about her ex-flame, Justin Bieber. Aww!! Even so, it was no doubt an incredible concert. Which is why we thought, “Hey! We should send our fans to a Selena Gomez concert!”
Well, we’ve got 4 tickets to give away to her concert at the Tampa Bay Times Forum on Wednesday, October 30. Two lucky fans will win two tickets each. And we want you to win!
Here’s how to enter:
First, you gotta like our Facebook page. How else can you keep up with the cool giveaways?!
Then, text SELENA to 64335. Entries will be accepted from Friday, October 18 – Monday, October 21. You can enter once per day and 2 winners will be randomly selected on Tuesday, October 22.
The Fine Print
So, now that you know how to enter, let’s go over the rules: Contest is open to youth ages 10-22 within MIDFLORIDA’s service area. Standard text message rates apply. One entry per person per day. Entries will be accepted from October 18-21, 2013. Winners will be contacted on October 22 at the number used to enter the contest and must respond within 2 business days or an alternate winner will be selected. If you are under the age of 13 and have won a giveaway or prize of any kind from MIDFLORIDA in the past, we must receive your parent’s or legal guardian’s consent to contact you should you win more than one giveaway. Parental consent can be provided by emailing firstname.lastname@example.org. Winners without parental consent may be deemed ineligible and prizes forfeited. Credit union employees, officials, vendors and their immediate families are not eligible to win.