The Rambler (Fort Worth, Tex.), Vol. 93, No. 23, Ed. 1 Wednesday, November 10, 2010 Page: 8 of 8
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*
8
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November 10, 2010
College Life
—
The Rambur I www.iherambler.org
Seminar teaches students financial responsibility
Jonathan Resendez
jlresendez@mail. txwes.edu
Constant rain didn't stop a crowd
of more than 30 students from at-
tending Monster.com's Ultimate
Money Skills presentation Nov. 2 in
the SUB.
Sponsored by Bank of America
and Wesleyan Student Life, the pre-
sentation focused on student budget-
ing and saving, credit and financial
planning for the future. It took pro-
fessional speaker Brandon Walker
five seconds to elicit student interac-
tion with questions about Starbucks
and Red Bull.
"If you're a college student, caffeine
plays a significant part in your life,"
Walker said. "The average college
student spends $4.30 a day on caf-
feine. The same amount of money
can do something significant."
Walker said if students traveled to
Wal-Mart or Target at the beginning
of the week and made their own cof-
fee, they could save $4.30 five times a
week. Based on an average 8 percent
return, a 22-year-old student would
have more than $100,000 by the time
he was 64, Walker said.
"The little things make a huge dif-
ference," he said.
Walker said most people don't
know their credit scores, and that it's
the No. 1 financial problem among
students. He cited interest, fees and
owner discipline as the most prob-
lematic credit card traits.
"Set your credit limit high enough
to get you out of trouble, but not
enough to get you into trouble," he
said.
In 2009, U.S. banks made $36 bil-
lion in fees alone—money they made
for doing nothing, Walker said. To
prevent such fees, Walker said stu-
dents should take advantage of text
The average college student
graduates owing $4,000 in
credit card debt.
z"1 \ Beware of store credit
( v ' cards i one tirfl" saving
, x \ can increase exponeri
V J ttally over time
Pay more than the
minimum amount dye,
otherwise you're just
digging yourself a
deeper fiole.
Don't skip payments. A
single non-payment can
drop youi credit score up
to 100 points. There Isn't
room for error when 850
is the highest score you
can have.
messaging alerts that notify bank
customers when their balances are
below a certain amount.
Maribel Solis, junior Spanish ma-
jor, said she found Walker's money-
saving tips helpful.
Photo and graphic by Jonathan Resendez 1 Rambler Staff
Brandon Walker discusses the importance of financial responsibility.
"Going to the club once instead of
three times on the weekend makes a
big difference," she said.
Likewise, junior bilingual educa-
tion major Lorena Perez said Walk-
er's practical tips hit home.
"He was talking about the real
stuff?' she said. "You might think,
'Oh, it's a couple of dollars', but the
stuff adds up."
GUNS continued from page 1
offenders more than once.
"We know students have a
life outside of class," she said.
"But at this point, if yq i made
your bed, whatever hap-
pens—happens."
The danger airsoft guns
pose to other students, along
with multiple student com-
plaints, have pushed security
to the point of zero tolerance,
she said.
"[Students need to] put the
guns up," she said. "It's not
worth it. We will catch you."
The Students (names withheld)
The Crosman Pulse R73
airsoft gun generates muzzle
velocities of up to 225 feet-
per-second. A shot from it
feels like a pebble ricocheting
off of a lawn mower blade. It
creates a small welt that trick-
les blood and has the linger-
ing sting of an ant bite.
Although freshmen Rusty
and Jack are on the same "team,"
Jacks been on the receiving end
of Rusty's Crosman.
"He looked out of the hall at
the wrong time," Rusty said.
Wesleyan students with air-
soft guns formed teams and
took turns ambushing one an-
other, sometimes stealing the
other team's guns a-la capture
the flag.
Rusty and Jack have spent
about $200 at Wal-Mart and
Dick's Sporting Goods to
equip themselves. The going
rate for 10,000 BBs: $10. Al-
though Rusty and Jack said
they enjoy terrorizing fellow
hall residents, they often go
play outside.
"Some nights we'll run
around playing for a couple
hours," Rusty said. "It's like
[the videogame] Call of Duty,
but we get exercise."
Rusty and Jack's athletic
team hasn't received warnings
from their coach or security
about the airsoft gun use—
not so for some of the other
Wesleyan students packing
airsoft heat.
Senior Curtis said his team
had a meeting after their
coach received an e-mail say-
ing the guns were getting out
of hand because people were
bothered by the amount of
BBs in the hallway.
"They were talking about
kicking people off campus—
especially athletes—so we had
to calm it down," Curtis said.
"But at the same time, it's like
what else are we going to do?"
Curtis said playing with the
guns wards off the boredom
caused by the lack of activities
at the university. Although the
students play to pass the time,
the guns also offer a sense of
protection from others who
have them, Curtis said.
"The first part that makes
us keep doing it is—first off,
there's nothing else to do," he
said. "Its like, 'If you shoot at
me, I'm going to shoot back. If
you shoot at me, it's a wrap.'"
Curtis said he sees nothing
wrong with the guns as long
as they pick up the BBs when
they're done.
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Jonathan Resendez I Rambler Staff
An arsenal of airsoft guns in a student's dorm. Some students have spent up to $300 on guns.
He believes droves of stu-
dents would sign up for an air-
soft gun league, which could
even benefit the university. If
airsoft guns were restricted
to league use only, he said he
would still play with them in
his free time.
"That's like saying you can
go to the movies but can't
watch a DVD at home," he
said.
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Miiin& Services
Texas Wesleyan Dining Services
Great Locations include
Catering
What's New in Dining Services!
Dining S«<v<c*s « nr. website?
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http://www.txwes.edu/diningservices/index.htm
Also featuring at the SUB:
Monday: Chopped Beef BBQ
Tuesday: Bacon Cheeseburger
Wednesday: B.L.T.
Thursday: Grilled Chicken Sandwich
Friday: Chicken Wrap
0,9
"All specials include a small fry
or salad and a small drink.
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Resendez, Jonathan. The Rambler (Fort Worth, Tex.), Vol. 93, No. 23, Ed. 1 Wednesday, November 10, 2010, newspaper, November 10, 2010; (https://texashistory.unt.edu/ark:/67531/metapth253476/m1/8/?q=Lamar+University: accessed July 17, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu; crediting Texas Wesleyan University.