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Lawrence, KS
Overland Park, KS
Wichita, KS
Independence, MO
Kansas City, MO
North Kansas City
749-2342
451.8070
451-8070
(316)686-3222
(816)478-3911
(816)756-0340
(816)436-9904
The Woodlands Wants You! Now Hiring For Summer
Must be Available to Work May 24-Sept. 3
*Mutel Clerks
*Waiters
*Waitresses
*Gift Shop
We offer competitive wages and an opportunity to work in the exciting environment of world-class horse racing. If you are a positive self-starter, be able to good attitude, you are a potential member of the Woodcock team or a to work days, noon to 6 pm, weekends and holidays. Apply in person only at 1710 Evervale Road, Kansas City,
Woodlands Administrative Office
Kansas. Monday thru Friday, 9 am to 4 pm.
Money matters give seniors financial-planning headaches
New credit cards, car deals drive up post-graduate debts
By Kathryn Lancaster
Kansan staff writer
Katherine
After four to six years of scraping by,
many college graduates are surprised to
learn that a $15,000 salary does not satisfy
drown cravings for the easy life.
Graduating seniors find themselves inundated with tempting credit card offers, special car deals and cash advances.
special car deals and an unsuspecting student if not careful, an unsuspecting student can end up thousands of dollars in debt, advisers say.
In fact, many students already owe money for their education.
The University of Kansas has no statistics on the average debt for KU students, but it can be large, said Jerry Rogers, director of the Office of Financial Aid. The maximum amount of loans an undergraduate receive in a year is about $6,000, which is not enough to cover expenses for students paying their own way. The financial aid office estimates that an in-state undergraduate would spend $6,180 in fiscal 1990. An out-of-state undergraduate would spend $3,300 a year.
Lisa Palmquist is lucky. Because her parents helped finance her education, she is one of few KU students who will leave the University debt-free.
After graduating in May, Palmquist, a 22-year-old Concordia senior, will start her pharmacy career earning $40,000 a year
She hopes to buy a car and make a down payment on a house in Manhattan within the next three years.
"I need to buy a lot of furniture: a microwave, TV, all that good stuff," she said. To keep from going into debt, Paul asked she said would avoid using her credit
Wayne McDaniel, a financial planner for Personal Economics, 647 Massachusetts St., said using credit cards was the easiest way to quickly accumulate large debts.
"Leaving school without debt makes it a lot easier," said Palmquist, who also is saving money for a wedding and honey-moon.
He advised against borrowing money for things that depreciate, such as furniture and appliances.
and appraise.
"It is better to pay cash when you can," he said. "If you have to use them, pay them off immediately."
or immediately:
McDaniel also advised that graduates seek financial advice before amassing large debts.
large ideas.
A financial planner can teach a young person how to establish and maintain a budget, he said.
budget, he said.
A good budget should include a savings plan, he said. He advised people to save a minimum of 10 percent of their incomes.
When a person's income doubles or triples, it becomes easy to spend the extra cash without thinking what else it could be used for, he said. That person should consider investing and saving for the future.
8C
Thursday, April 26; 1990 / University Daily Kansar