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Watch your wallet: budgeting tips for the new year

 

 

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COLLEGE STUDENTS AND BUDGETING: THE BASICS

 

A new year means … taking charge of your money? Developing a solid financial plan — and sticking to it — can be incredibly helpful while you’re in college and pay dividends long after you graduate. Budgeting doesn’t have to be difficult, and it will help you achieve more freedom in your spending choices. A good budget can mean the difference between a diet of ramen noodles and enjoying wings or even something fancier during a night out with your friends.

 

The most important step toward financial freedom is to actually make a budget. Your budget doesn’t have to be detailed, but it should account for the expenses you expect during the semester, and allow you some wiggle room in case anything goes wrong.

ON TOPIC

Wyatt Jewett, Columbia University

 

Wyatt Jewett, Cheyenne River Lakota, is a sophomore at Columbia University in New York City majoring in psychology. Here he shares a few insights based on his own experience managing money as a student.

 

Have you ever created a budget for yourself? What did it involve?

I’ve never generated a formal budget, but I’ve always found ways to keep track of my income and expenditures. I have short-term, long-term, and unforeseen expenditures like most people. A short-term expenditure may be going out to explore New York City and seeing what it has to offer, so I’ll save money that week for a day away from my schooling. A long-term expenditure may be my student contribution for my schooling that I have to save up for or get scholarships to pay for. Then, I always budget for unforeseen expenditures just in case I need a little extra money for spontaneous things, such as going to a basketball game or eating a meal away from the dining halls.

 

Do you take advantage of any online tools or apps for tracking your spending or to help with saving?

To track my spending I use my banking app, which lets me check up on how much money is put into, or taken out of, my account. It also lets me review the dates and times when my transactions were made.

PRE-COLLEGE OPPORTUNITIES

 

NASEP is a free yearlong program (weeklong summer program with yearlong support) designed to provide Native American, Alaska Native, and Native Hawaiian high school students with the necessary resources to enroll in college and pursue a career in science, technology, engineering, and mathematics (STEM). The application deadline is Feb. 15.

 

Genes in Space is a science contest that challenges students to design original DNA experiments that address real-life challenges and opportunities of space exploration. The winning experiment is conducted by astronauts on the International Space Station! The contest is free and does not require equipment. Proposals will be judged solely on their creative and scientific merit. The deadline to enter is April 15.

 

Universities and Department of Defense (DoD) labs are currently accepting applications from high school and college students. The AEOP apprenticeships are an excellent way to learn about STEM research in a university or DoD laboratory. All students receive a stipend during their summer STEM experience. The application deadline is Feb. 28.

 

College Horizons is an annually occurring college admission workshop for Alaska Native, Native Hawaiian, and Native American sophomores and juniors in high school. It is held each summer at different college campus partners. Apply by Feb. 4.

 

All internships are paid, full-time positions in your desired field or similar. Internship placements can range anywhere from tribal governments, to nonprofits, to corporations and beyond. We will work with you to determine where you are best suited based on your interests and experience. Apply by Feb. 1.

 

This 15-month professional development program is for underrepresented minority college students (Native Americans) graduating with an interest in STEM roles across consulting, finance, marketing, tech, media, and nonprofit companies.

UNDERGRADUATE OPPORTUNITIES

 

Objectives of the Native Explorers Program are to introduce American Indians to careers in science and medicine; increase the number of American Indians who earn degrees in science and medicine; participate in traditional ways and culture; and provide a powerful network of professionals, scientists, and physicians in federal programs (National Park Service), state agencies (museums and universities), and sovereign nations (federally recognized tribes). The application deadline is March 1.

 

The Cooperative Institute for Great Lakes Research (CIGLR) announces the 2019 Great Lakes Summer Fellows Program, in partnership with the National Oceanic and Atmospheric Administration (NOAA) Great Lakes Environmental Research Lab (GLERL). The Great Lakes Summer Fellows Program exposes students to a broad range of disciplines and provides an exciting opportunity for students to conduct research in the Great Lakes region under the mentorship of a CIGLR or GLERL scientist. The deadline to apply is Feb. 1.

 

The Smithsonian Museum Conservation Institute (MCI) is offering short-term opportunities to work on conservation and conservation research projects with conservators of art and historic works. These internships are intended mainly for the summer of 2019, but consideration will be given to projects at other times during the year. Preference will be given to applicants interested in a career in conservation, those currently enrolled in conservation training programs, and graduate students in related subjects. A stipend may be offered for a period of up to 10 weeks. Apply by Feb. 25.

 

Students will work on individual research projects with Cornell faculty and research staff on a wide range of topics in planetary and exoplanetary science, astronomical instrumentation, astrophysics, general relativity, and cosmology. In addition to conducting individual research projects, students will also participate in a series of activities, including lectures, roundtables, and workshops. Students interested in computer science and engineering are also encouraged to apply. The deadline to apply is Feb. 4.

 

NIHB Health Policy Fellows are a diverse group of talented Native youth who are dedicated to making a difference in their communities. Fellows work directly with their tribal leadership to identify one priority health issue. Then, with the support of program mentors, fellows learn how to analyze policy in their issue area, create informed recommendations, and advocate for change. Apply by March 1.

 

SING is a one-week workshop aimed at discussing the uses, misuses, and limitations of genomics as a tool for Indigenous peoples’ communities. The workshop will also assist in training Indigenous peoples in the concepts and methods currently used in genomics. Apply by Jan. 31.

 

The City and County of San Francisco is seeking student interns for various engineering and architecture disciplines to provide support to in-house engineering, architecture, landscape architecture, planning, surveying, GIS, and IT staff. Apply by Feb. 13.

 

Great Minds in STEM, in partnership with Amazon, invites you to consider applying for the upcoming Amazon Intern Hiring Workshop. This is a unique opportunity for students attending a four-year university in Southern/Central California and pursuing a major field of study related to the computing industry or possessing a strong knowledge and experience in coding. The application deadline is Jan. 25.

 

Even as Native nations achieve greater levels of self-determination, Indian Country continues to be influenced by U.S. federal law and policy. The Udall Internship places students in Senate, House, and federal agency offices to learn firsthand how the U.S. government works with Native nations. Interns will gain a better understanding of the government-to-government relationship and how they can use this knowledge on behalf of their tribes. The application deadline is Jan. 31.

 

NOAA (National Oceanic and Atmospheric Administration) is accepting applications for the Ernest F. Hollings Scholarship and the EPP/MSI Undergraduate Scholarship. Students who are current sophomores majoring in STEM fields that directly support NOAA’s mission may apply. Eligible students may apply to both programs with one online application due Jan. 31. Community college students who are transferring to four-year institutions are also eligible to apply.

 

All internships are paid, full-time positions in your desired field or similar. Internship placements can range anywhere from tribal governments, to nonprofits, to corporations and beyond. We will work with you to determine where you are best suited based on your interests and experience. Apply by Feb. 1.

 

The UCLA Public Health Scholars Training Program provides undergraduate students with the opportunity to address health disparities and explore public health through hands-on training, workshops, and leadership and professional development. The application deadline is Jan. 31.

 

NOAA’s Office of Ocean Exploration and Research hosts graduate and undergraduate students as Explorers-in-Training (EiT) in collaboration with NOAA’s Educational Partnership Program and Cooperative Science Centers. A typical EiT placement will consist of one 20- to 30-day expedition offshore aboard NOAA Ship Okeanos Explorer and/or onshore at the University of New Hampshire Exploration Command Center in Durham, N.H. The deadline has been extended to Jan. 25.

 

B.I.G. Summer is an eight-week, full-time immersion internship for undergraduates interested in learning how to analyze and interpret biomedical and life sciences data. Students learn the cutting-edge research tools and methods used by leading scientists to solve real-world problems. The deadline to apply is Feb. 4.

 

This seven-week paid innovation academy is for college freshmen/sophomores pursuing a career in technology. Get real-world experience in app development, design a new product, and gain hands-on training from senior Microsoft engineers and staff in the Microsoft workspace located in Seattle. We especially encourage applications from groups currently underrepresented in computer engineering and nontraditional candidates. Apply by Feb. 15.

 

Our National Science Foundation–funded International Research Experiences for Students program involves four weeks of geological (sedimentological) fieldwork in France from late May through June 2019. It is fully funded (in addition to a $2,500 stipend), and is open to current U.S. undergraduates in geoscience (or allied) disciplines. Please don’t hesitate to contact with any questions. Apply by Feb. 1.

NEWS FROM AISES

 

Join us for the 2019 AISES Leadership Summit March 14–16 at Harrah’s Cherokee Casino Resort in Cherokee, N.C. The goal of the AISES Leadership Summit is to build the skill and aptitude levels of AISES members in the realm of both professional and career development to better prepare them to attain jobs and careers in STEM fields.

 

Student representatives evaluate common issues and concerns and recommend ways to improve member services at AISES. They also serve as liaisons between the AISES office and the national and regional student bodies.

 

Join the 2019 National American Indian Science and Engineering Fair (NAISEF) at Oklahoma State University! Energy Challenge (EC) is now open for American Indian, Alaska Native, and Native Hawaiian 6th- to 12th-grade students to participate.

 

March 7–8 | Sulphur, Okla.

To ensure Native students are prepared to engage in computer science and the technology-driven fields of STEM, AISES seeks to convene a diverse group of stakeholders committed to increasing access to and improving computer science education for Native students.

 

AISES is now accepting applications for scholarship and internship opportunities for the 2019–2020 academic year. The internship application deadline is Feb. 15; the scholarship application deadline is March 31.

 

Students and professionals are invited to submit abstracts speaking to expertise or research in Indigenous knowledge-keeping, research in STEM fields, or initiatives increasing Indigenous presence in these areas in both academic and professional settings. The deadline is Jan. 30.

SAVE THE DATE

 

Oct. 10–12

Milwaukee, Wis.

ONLINE RESOURCES

GRADUATE/POSTDOC OPPORTUNITIES

 

This program provides funding for American Indian/Alaska Native graduate students conducting scientific research under the supervision of an academic mentor. Financial support is awarded on an hourly basis (maximum of 20 hours/week) until completion of research (not to exceed 1,000 hours).

 

The L’Oréal USA for Women in Science fellowship program honors female scientists at a critical stage in their careers with grants of $60,000 each. Since 2003, we’ve awarded 75 postdoctoral women scientists nearly $4 million in grants. We’re seeking five exceptional female scientists looking to advance their research and serve as role models for the next generation of girls in STEM.

 

Earth Expeditions is a groundbreaking global program supporting university courses, degree programs, and collaborative projects that are making a difference in Africa, Asia, Australia, and the Americas. Through Earth Expeditions courses, our mission is to build an alliance of individuals with first-hand knowledge of inquiry-driven, community-based learning for the benefit of ecological communities, student achievement, and global understanding. Applications are due Jan. 28.

 

The Gordon Research Seminar on Applied and Environmental Microbiology is a unique forum for early-career researchers to present their latest results, exchange cutting-edge research approaches and ideas, and network with other peer-level scientists during two oral scientific sessions and two interactive poster sessions. Applications for this meeting must be submitted by June 15.

 

Physics and physical science departments at minority-serving institutions (MSIs) or community colleges can apply for a $1,000 grant to bring guest speakers to their institution for colloquium or seminar presentations. This is a unique opportunity for students to gain exposure to the breadth of physics research. Applications are being reviewed on a rolling basis.

 

 

 

 

OUR MISSION: The American Indian Science and Engineering Society (AISES) is a national nonprofit organization focused on substantially increasing the representation of American Indians, Alaska Natives, Native Hawaiians, Pacific Islanders, First Nations, and other Indigenous peoples of North America in science, technology, engineering, and math (STEM) studies and careers.

 

Paths to Opportunities and Winds of Change are published exclusively by AISES Publishing Inc.

 

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