Scholarship Media

I own a small business that I started from my college dorm room. The business revolves around an app that I built, and the target market is other college students and high school students who are about to start college. I started it for fun and to practice writing some code. However, the business has really taken off, and the app has gotten amazing feedback from my user base. What I am looking to do now is to expand outside of my university, but I don’t know much about marketing or advertising. How do you think I can promote an app that targets college students?

My girlfriend is a wonderful person, and we share a lot of the same values. However, there’s one thing that has come between us. She has expensive taste, especially when it comes to jewelry. She likes diamonds in particular, which I find really crazy. A diamond is just a pretty rock that happens to be rare. Isn’t it true that they’re only rare because of the diamond companies, anyway? To me, it seems like a huge waste of money to buy a diamond. Experts, can you either help back me up in this discussion with my girlfriend, or else change my mind?

I graduate next year, so the time is fast approaching when I will have to start “adulting” a little better. I know that a big part of that is going to be taking care of my personal finances. I’ve had a summer job since high school, so I know a little bit about working and saving money, but I don’t know everything that I think I should. One that that bewilders me is investing. It makes me nervous, to be honest. When I see the stock ticker things on the news, it all looks very complicated to me. I don’t like the idea of trusting my money to some complex system after I’ve worked so hard for it. I know you can make more money by investing than you can by just saving, but I’m tempted to put what I save into a saving account instead of investments. Is that such a big mistake? Do all adults invest, or is it more of an optional thing?

I could use some quick tips. I recently joined a talent acquisition firm that uses its own proprietary platform to streamline the recruitment process. My own background is in advertising and sales, which is why I’m looking for some guidance.

I could use some guidance. I’m a senior graduating soon with a degree in business management. I plan to take a job as a regional manager trainee soon after graduation. The job is all the way across the country, in Michigan.

When I talk to my parents about personal finance, they sometimes refer to big expensive things they own as “assets.” I understand that, generally speaking, assets are something we consider to count toward someone’s “net worth.” But I’m not sure I understand why. If you buy an engagement ring or a car or something, that money is gone--you’re not going to just sell that stuff off again to buy a new TV or whatever, so it’s not really cash, right? What’s the point of having “assets,” and what makes a house an asset in the way that a 4K TV is not?

After I graduate, I’m going to need a car. However, I won’t have much money early on after graduation, because I’ll just be getting my first job and moving out on my own and all of that stuff. So, I figure that I’ll probably need a loan if I’m going to buy a car.

I could use some quick guidance. I’m a sophomore who recently changed majors from biology to behavioral psychology. I declared biology as my original major, because of the advice that was given to me by my guidance counselor in high school.

My grandfather recently turned 85 years old. That’s amazing to me! So I had to ask him that stereotypical question that people always ask older folks--what he credited his long lifespan to. I got a pretty straightforward answer: luck!