Summer Styles to Rock All Day

img-thingFor some, the summer means relaxing by the pool and for others it means checking out the latest summer trends. Whether it’s looking for a new outfit or maybe trying a new hairstyle, try out something different this summer.

“This summer there are a lot of interesting patterns and colors blended together,” fashion blogger said Angela Littlefield, Junior at the University of Texas at Austin. “The Tribal Print with neon trend has been popular for a while now, and as a fashion blogger it’s really cool to see how people make use of this trend rather it be in swimwear, denim shorts, crop tops or with pencil skirts.”

Headbands

With warmer weather comes many more undo; for many, updos are best done in style. What better way to dress up a simple bun than with a cool headband? One of the latest, and simplest, type of headbands for this season is the 1-accessory headband. This type of headband is usually an elastic that goes all the way around the head and comes in a variety of looks and styles. From rhinestones all the way around, to a simple flower or feather on the top, or a single-colored headband. These headbands can come in a variety of colors, so try something new and different with your hair.

Swimwear

After a few decades, the full one-piece is finally making a comeback. For those who like a bit more coverage, but want some style as well, look no further. Stores like JCPenney and others have what are called shirred-front one piece bathing suits that come in solids and prints. These suits have a “high-waisted” look to them that flatters the mid-section for all sizes and elongates the torso. The suit also provides more coverage on the top and bottom, to provide a bit more security for those of you getting active in your swimwear and hitting the beach volleyball court.

Hats

Hats are not typically something many enjoy wearing because they don’t find caps flattering. Hats are another retro piece of headwear making its comeback to popular retail stores. Floopy sun hats are a hit this summer. These hats actually provide great coverage for the face in the sun, while creating a sophisticated look. Also, because they are so floppy, you can arrange the hat to lean on certain sides or flip it up to create your own unique look. Hats come in different colors, patterns and some even include accessories, like bows and flowers (can also easily be added on).

“Another trend that’s kinda of coming back is the overall jeans and shorts,” Littlefield said. “I think if you have the right body shape and a cute crop top you can dress the overalls up or down.”

Whether it’s a brand new headband style or an old-fashioned bathing suit to everything in-between, summer is the time to experiment with new, fun and colorful trends that are purely for fashion or styled for comfort.

Revisiting with Lizzie Velasquez: Q and A

“Though she be but little, she is fierce.” –William Shakespeare.

LizzieLizzie Velasquez is a twenty five year old fierce motivational speaker, author, and a special inspiration. What makes Lizzie so special? Well, that can be found on the outside and on the inside. On the outside, Lizzie is special because she was born with a rare genetic disorder — so rare it remains undiagnosed. The disorder prevents Lizzie from gaining any body weight at all. On the inside, Lizzie is special because she was also born with this outstanding courage that enables her to combat forces as she grows up. Of course, Lizzie would not admit to this, in fact, she will accredit her courage to her parents’ love and support (Thanks Lizzie’s parents).

 

When Latinitas last talked to Lizzie she was getting ready to graduate from Texas State University. Since then, Lizzie has released another successful book, appeared on a handful of popular interviews, and hosted a Ted talk – which launched her career as a public speaker to a bigger national status. She is getting recognized by YouTube’s iJustine and actresses, like Kristen Bell and Hilary Duff! Her efforts to end bullying recently extended to a (now) successful Kickstarter campaign called The Lizzie Project. As if she couldn’t be more inspiring, there are many lessons that can be taken away from this young woman’s outstanding courage.

Q: What is The Lizzie Project?

The Lizzie Project is a documentary that will give a very personal look into my life and my own experience with bullying, but also be the vehicle to address online bullying in a way that has never been done before and hopefully inspire a movement for real change and make the online community a more positive place.

Q: What message do you hope people who don’t know your story will receive?

The message I hope people who don’t know my story is that there is a light at the end of the tunnel when it comes to overcoming obstacles, diversities, and hardships. My hope is that my story of inspiration will open a door to a new and positive path that is waiting for them to discover.

Q: What has been your favorite moment in this past year?

There have been multiple favorite moments of mine over the past year, but I think one that sticks out the most to me is the very first brainstorming meeting we had with my dream team in California for my documentary. Being in a room with four women I greatly admire and look up to all rallying around me and believing in my dream is something I will always cherish.

Q: Anyone you’d like to be interview by or get the chance to meet?

I would cry tears of joy, giggle out of giddiness, and jump around in pure excitement all at the same time if I was able to meet Julia Roberts. My love for her as an actress and empowering woman is something I admire beyond words. In my mind, Jules, as I like to call her, are already besties!

With the recent success of the Kickstarter campaign, Lizzie will begin shooting her documentary in June 2014 and the expected release date will be determined at a later time. Her goals for the rest of the year are to “make the most of every single minute of this new chapter in [her] life and to make it as memorable as [she] possibly can.” One thing is for sure though, Lizzie Velasquez will be a continued hero for many generations to come as The Lizzie Project takes roots in the lives of the people around her.

To read Latinitas’ previous article on Lizzie: click here.

Demand for Latinas in Tech

Latina on ComputerThe evolution of how we communicate with people has passed all boundaries. From e-mail and social media, to online advertising. Today, people are taking in information in more creative and tech-friendly ways, especially the younger generation. The new media industry is growing, and in more dynamic ways than ever before. With this growth, many women of color are joining the new media force.

Sara Inés Calderón, digital media expert, stated, “It’s important to have women of color in all aspects of media — from production to marketing to creating to distribution to new media. So, having Latinas and other women of color participate in new media, especially when media in general is such a white male-dominated industry, is essential.”

According to Pew Hispanic, the digital divide between Latinos and whites is smaller than what it had been just a few years ago. For example, between 2009 and 2012, the percentage of Latino adults going online increased from 64% to 78%, while among whites it only increased by half as much. In fact, according to Nielsen Media Research, Latinos are especially active on social media and are rising in numbers – in 2012, Hispanics increased their visits to social networks/blogs by 14 percent compared to February 2011 and are the fastest U.S. ethnic group on Facebook and WordPress.com.  Women also use more social media networks than men, according to Adweek.com.

Social media and advertising provide an outlet to voice opinions at a much larger scale than one can do alone to a group of people. It also serves as a tool to connect with like-minded people who share your same interests. Brenda Salinas, Associate Producer for NPR Latino USA, stated, “Latinos use social media in more way than any other ethnic group. Social media helps communicate with family in other parts of the world. There is also a different relationship with people on Twitter vs. real life. Many of us are so used to being the only one in the room, and we don’t have that feeling on social media.”

“It’s revolutionary that the second I’m interested in something, I can get the information in seconds – 20 years ago, we couldn’t do that! You can instantly connect with people that have your same interests, without feeling alone. The fact that other people are like me, is very comfortable. You can connect with people who have shared your same cultural experiences,” continued Salinas.

No matter what career you decide to do, new media will almost always play a role, especially with the future of where our communications medium is going. Being able to write is one thing, but being able to engage effectively in real time conversation online and being able to code, are skills that take time to acquire. For many Latinas, new media has played a crucial role in their careers, especially when making a career jump.

According to writer Erika L. Sánchez, “Without new media, I never would have developed this kind of writing career. My career is completely dependent on the internet. I started off with a small blog and clawed my way up to large publications. I feel that new media has helped give many marginalized people a voice. Though not all outlets acknowledge our communities, many people have taken to Twitter, Tumblr, or blogs to express themselves and engage in important political discourse. In this way, media has become more democratic.”

“There is no such thing as a radio producer, you’re a multimedia producer.  If it airs once, you are wasting your time and only reaching a fraction of people you can be reaching.  To do social media well, you have to be ahead of the curve and do it right. Elements of storytelling don’t change, but social media always changes. It’s always on the go and a learning process,” stated Salinas.

“New media has played a significant part of my career. When I started my career I was writing newspaper articles, then we started adding a few blogs, and when the economy crashed I lost my job and started working at a digital new media startup. New media gave me an entirely new career and opened up a great number of doors for me,” stated Calderón.

With the digital sphere always moving, it is important to note that it is always a learning process and no one can learn at a blink of an eye. But starting now when you’re young and full of energy, will put you ahead of the curve and make you prepared for whatever the world throws at you!

Stress Management Tips

School3With school underway and teachers assigning homework left and right, stress continues to overcome so many teenagers! Here are some helpful tips to learn how to deal with stress both before and during overwhelming situations.

Getting Organized

It is important to be conscious of what is most important and should come foremost in your everyday life. Appropriately prioritizing involves being organized. Use sticky notes to your advantage by writing out to-do lists. Take notice on what is actually important and not what seems important.

“I make sure to write down things that need to get down as soon as I remember them because I know that I will forget later on. Even if I think I will remember, I don’t take that chance,” said Bianka, 14, 8th grade.

Planning ahead is also essential to organizing your tasks. This allows you to be able to set aside tasks that are not as important and to avoid consuming time and wasting valuable energy on unproductive labors.

Make the Most of Your Valuable Time! 

Aside from the given— social media, watching TV, over sleeping, etc…—procrastinating, the inability to make up your mind and being heavily involved in perfecting every task in order to meet your high standards, can take up our valuable time!

Procrastinating wastes time and limits productivity. Waiting for the perfect time to finish your homework or finish your chores will just waste more time. There will never be that “perfect” time. Life’s uncertainties should not cause you to procrastinate and become indecisive. There will be many decisions you make that will have it’s own uncertainties, but the most wise and productive thing to do is make the best, most effective choice with the help of your friends and family.

“I like to keep myself busy which keeps me on top of things. I realized that if I avoid lounging around too much, I am more motivated to get things done,” said Rosa Alvarado, 15, 9th grade.

Trying to perfect every task you take on is not good for you! Take it easy sometimes. It is great to have high standards, but it is not wise to allow them to take up unnecessary time. It can cause you to stress out because of being afraid to disappoint yourself. It is okay to make mistakes every once in a while because that is how we learn.

Balancing Responsibilities

While in school, it is good to consider that you can only fully attain two of three priorities in your life: sleep, good grades, or a social life. Therefore, it is important to have a balanced and realistic view of your priorities and how much time and energy you commit to them.

Extracurricular activities can be fun and enjoyable, but when homework must also be accomplished along with meeting extracurricular requirements, it can become overwhelming. It is important to balance these voluntary activities so that homework does not seem as overwhelming— taking away the joy you should be experiencing with these fun activities.

Going hand in hand with balancing responsibilities, sufficient sleep is also necessary. Getting eight hours of sleep can have a positive effect physically, emotionally, and cognitively. So as much as it is important to get homework done and meet extracurricular activity requirements, it is also good to be able to have some free time on your hands as well and enjoy yourself!

“Being involved in extracurricular activities can be fun, but my parents help me out to make sure that I’m also on top of my school work. Bad grades=no extracurricular involvement,” said Emily, 13, 7th grade.

Life can be full of surprises and filled with endless decisions—this can seem and feel overwhelming. Just keep making the most of your time and making the choices that you think are best, and everything will fall into place!

To have a Quince Mass or Not?

Photo courtesy from http://quinceanera.com.

Photo courtesy from http://quinceanera.com.

The religious ceremony has been a constant tradition in the Quinceañera celebration until recently. While some girls choose to continue the religious tradition, others do not.  While planning (or even just thinking of) a Quinceañera celebration, one element of the festivities always comes to mind: the religious ceremony.

According to Quincehelp.com, “the quinceañera mass is a thanksgiving for [the Quinceañera’s] first 14 years of life.” Nowadays, the religious ceremony is seen as an optional part of the quince celebration. Girls having a quince use their religious beliefs (or lack thereof) to determine whether or not to have a religious ceremony.

For April Reza, 19, she had her quince in 2010 and said having a religious ceremony was easy. “It’s something I always wanted since I was little,” she remembers with a smile. Growing up as a Catholic in an all-Catholic household, April saw the religious ceremony pass down as a tradition in her family. “It’s something we always do,” she says.

Since having a religious celebration is a tradition in her family, it was very well received. April recalls, “They really enjoyed it…they wish they could’ve done the whole thing over again.”

While some girls like April go the traditional route, others like to be different. Nastassia Artalejo, a self-employed photographer who had her quince in 2006, chose to not have a quinceañera.

Raised in a non-religious household and being agnostic herself, Nastassia says that having a religious ceremony was “not important [for me]. I just wanted to be there to celebrate what my parents thought was an important birthday.”

While Nastassia’s parents were fine with her not having a ceremony, her extended family did not have a similar reaction. “It was confusing for the rest of my family that I wasn’t having a ceremony because they are all Catholic. My cousins all had ceremonies at churches, but I didn’t,” she recalls.

Ultimately, a religious ceremony should be something you “do…for yourself”, says Nataly Monique Montana, a 10th grader who recently had her quince in 2012.

Nataly was raised as a baptist but was not officially baptized in her church. In order for her to have had a religious ceremony at her church, she and her parents would have had to go through a series of religious meetings with the priest of her church and be baptized.  When Nataly and her parents were planning her quince they realized that there wouldn’t be enough time before her quince. Nataly and her parents were not disheartened because they couldn’t have a ceremony, and, instead, Nataly says her dad and her said a prayer during the quinceañera which she remembers being personal and fulfilling.  Despite Nataly coming from a religious upbringing she recalls,  “no one said anything” about her not having had a religious ceremony.

While having a religious ceremony as part of a quince is customary, girls planning their quince shouldn’t feel pressured to follow in tradition’s footsteps for the sake of doing so. According to Quinceanera.com, a girl renews her baptismal vows and promises to honor herself and her religion before God and her community at the ceremony. This carries a lot of religious and cultural significance, so don’t do it if your heart and personal beliefs aren’t in it. Remember, it is your big day, so make it yours in your own special way, with or without a ceremony.

Makeup Hygiene

Photo credit: college fashion.net

Photo credit: college fashion.net

Most chicas do not know how important it is to keep your makeup brushes and application tools clean. Makeup products tend to store bacteria and might cause you to get pimples when you apply them to your face, yuck!

 Here are some important guidelines to keep your makeup and tools clean and bacteria-free:

1. The way you wash your makeup brushes is by rinsing only the bristles of your brush under hot water. You should be careful not to wet the metal part of your makeup brush because it will cause the bristles to come off.

2. Apply a pea size amount of your favorite shampoo to your hand and spread it to your brush in circular motions. You will see the shampoo changing color because of the makeup residue that was stored on the bristles.

3. Rinse the makeup brushes again with hot water until the water runs out clear. Try to shape the bristles into their original shape and place them on a towel. Place the brushes angled so that the bristles are facing down. This will allow the excess water to drain onto the towel. It is better if you let  the brushes air dry during the night. This way, in the morning when you are getting ready for school you apply your makeup with clean and fresh brushes.

You should wash your makeup brushes at least once a week. By doing this your make up application will look more flawless.

Did you know? Makeup CAN expire. 

An important fact that every chica needs to know is that makeup expires just like food. All beauty items have expiration dates and most products are not labeled with them. Expired makeup might cause your skin to breakout because the ingredients are not in the optimum condition. If you notice a change in texture, color and scent you need to toss the product away.

Here is the list of expiration dates for makeup products:

Foundation and concealer- from 6-8 months

Mascara and liquid liner- about 3 months

Any powder (blush,eye shadow or pigments)- one year

Lipstick or lipgloss- one year to 2 years

Also, remember to replace your makeup sponges constantly so you can rock a makeup without impurities.

Winter Fashion

This winter has been one of the coldest the nation has seen in several years according to CNN. With extreme freezing temperatures like those in Chicago and New York, you may feel it’s impossible to keep up with the latest trends while avoiding hypothermia. Fear not all you Latina fashionistas! You’re just a few paragraphs away from learning some new and easy ways to keep warm and, of course, in style this winter season.

Now it’s no surprise most girls want to be fashion forward at all times. Think about it, when you’ve hung out with some of your amigas, you’ve probably skimmed through some of your favorite magazines looking for inspiration. You may have even exchanged a skirt or a pair of opened toed shoes with a friend in order to achieve that extra touch of glamour in your outfit. But times are cold these days and quite frankly, frostbitten fingers and toes are never in style. So, what’s a girl like you with so much fashion in her heart supposed to do when the first snowflakes start falling, or when you find yourself helping your parents scrape ice off of the car window before going to school?

Photo credit, Claudia Candelas, http://www.loveallthingsfashion.com

Photo credit, Claudia Candelas, http://www.loveallthingsfashion.com

Fashion blogger, Claudia Candelas says winter is the perfect season for any girl to express her sense of style, “You have the option of layers and adding more to each outfit.” Candelas says that though her staple winter fashion must-have are cozy boots, she can never say no to a good scarf.

“I love scarves because they add a whole different look to your outfit. If you are wearing a solid colored sweater you can add a printed or thick scarf to brighten it up.”

Candelas also says she gets her fashion ideas from social media sites such as Tumblr and Pinterest, but ultimately, she is in charge of what she thinks is stylish.

“Fashion is whatever you make it to be…it does not need to be expensive or the trendiest as long as you have the confidence to rock it!”

For others, sporting the latest winter trends can sometimes feel like a drag. Edna Ramirez, a bridal consultant, admits she falls under this category, but she can’t deny she enjoys the comfort of the winter clothes that keep her snug. “Chunky knit sweaters…they give off a vintage meets boho type of vibe that can easily dress up or dress down any outfit. They help keep you warm but don’t feel as constricting as jackets and coats.” Ramirez says she gives credit to the local weather news report for her fashion inspiration look of the day. “I wake up and look at the weather prediction for the day and base my winter outfit on that. If it is going to be a very cold day I’ll go with thicker scarves, layers of jackets, boots, and maybe even a hat.”

For many students though, being fashion forward can seem impossible especially after tuition and books have been paid off.  “I can’t work a lot because I’m in school so there isn’t much money left over, which is why I shop at secondhand stores,” says Katarina Peña, Santa Clara University Law student. She says money may be tight when it comes down to shopping, but what she enjoys the most about thrift shops is knowing she hasn’t broken her bank account for wanting to look and feel good. “You can find unique and inexpensive clothing and most importantly, it’s not what everyone else is wearing so you’re bound to stand out. ”

Although magazines and social media gurus know about the latest trends to look up-to-date and fierce, it’s important that you remember to listen to yourself when it comes to presenting yourself to the world. Feel free to take ideas and fashion looks into consideration but you must always know that no matter what trends you are following, the one thing that will never go out of style is your heart.

Take A Study Break

Stresses of Studying

Stress from studying for finals or the SAT can add up during intense study sessions. Although some find comfort in found in food, it is not healthy to make every study break a food break. So here is a list of five great study breaks that don’t involve eating a fourth meal!

 

Give Yourself a Manicure

Painting your nails is a nice way to switch up your studying routine. It requires moving around, choosing a color and the simple act of painting nails is a thoughtless yet stimulating task. Plus, while you wait for your nails to dry you can close your eyes and meditate.

Estimated Time: 20 min

Take a Walk

 No need to change into workout clothes, just put on some comfortable shoes and take a walk. You can take a solo walk, which is the perfect time to think or invite a friend. Taking a walk may be the best writers-block eliminator, try it!

Estimated Time: 20 min 

Watch 1 Episode of a Sitcom

After completing some deep reading watching some TV that makes you laugh is never a bad idea. Being in a good mood can make you more productive and can help alleviate the stress from hitting the books.

Estimated Time: 30 min 

Phone a Friend

Calling your hometown friend is also a great break, you can catch up on the latest college happenings and recall all those great sleepovers. This quick break will probably make your friend day too!

Estimated Time: 15min 

Take a 20 min Nap

You probably already know the importance of sleep, but in your senior year of high school and in college you begin to realize how sleep becomes a luxury. So, for your next study break, take a nap! Experts at The Guardian reported taking a  “short afternoon catnap of 20 minutes yields…enhances alertness and concentration, elevates mood, and sharpens motor skills.”

Estimated Time: 20 min

 

What is great about these study breaks is that we also get to practice some self control, since it’s easy to go on a binge and watch the whole season of Friends or take a three hour nap instead of a 20 minute one. So, before the urge hits, keep in mind the satisfying feeling of being able to check off items in your to-do list!

The Evolution of The “Selfie”

411_DS6567214Through the evolution of the internet, the self-portrait became the fixed photo worth taking.  The photographic images change so much on social-networking sites that one photo of you is never enough for new eyes to rate.

An increasing number of posts on social networking ask other girls to “like their status” and get “rated.” To some, the higher the number means being physically beautiful. As intense as that sounds, social networking sites push many young people, namely girls, to post photos that mimic Andy Warhol’s representation of “Monroe.”

It is great to see young people trying the style of a contemporary artist, but when does it begin to cross the line of being obsessed with their looks?

The Self-Portrait and Social Networks: Just Like Marilyn?

The fact that girls mimic Andy Warhol’s representation of “Monroe” is not because that they’ve all become narcissistic, vain young people, but they want to feel like they too have symbolically interpreted their physical features with the same self-worth as Monroe did during her time.

Marisela Lariz, 20, says, “Girls put photos of themselves and their bodies because they see other prettier girls. They may feel insecure, when really they should feel confident to know that no one is better than anyone else. Everyone is different and beautiful in their own way.”

Girl’s photo representations are a form of Monroe’s continued living because she is remembered for loving herself as a full figured woman.

Yasmine Gonzalez, 17, says, “Some girls may think they’re ugly when they’re not. Every girl is beautiful. And I think they just say negative things about themselves because what others have said about them.”

Girls try to attain that same value Monroe achieved as a full figured woman, by creating multiple images of themselves in different poses in an effort to become like the iconic piece. Self-photos are normative. They place their heads, almost like a magazine advertisement does when trying to sell a product. These young girls begin to resemble their clothes, their half short shorts and their hair styles. Long gone are the images to show real life.

The Costs of Getting  ”Likes”

Does seeing so many young girls with the need to show their figure while they talk to, hang with, or even ignore someone else in the photo, make it sociologically corrupt?

Paola Hernandez, 13, exclaims, “Some people judge you on your clothes. The internet is sort of to blame. Some people are cyber bullies!”

For example, a piece created by Melissa Ventura, 15, shows her in colored images using ½ of the screen unlike that of Warhol’s piece, which uses the entire canvas.Ventura, says, “We had to do that for an Art Project.”

Gonzalez adds, “There [are] a lot of creepers on here who be trying to talk to people and say sweet stuff and pretend to be someone else and [eventually] meet up with the girl. Next thing you, know, that girl could be missing since she posted photos of herself. I see a lot of girls do that, I don’t like it. They want attention and are desperate for Facebook likes and that way can comment on how “sexy, hot, cute, pretty, etc.”

Joselin Garcia, 13 agrees. She says, “People on Facebook like or comment on their photos. It could be a reason why girls would be obsessed with their appearance.”

Gonzalez is quick to add, “Well I blame the Internet and the people. The Internet, because they don’t delete anything inappropriate that people post, they leave it there. And people, they shouldn’t even be posting stuff like that in the Internet.”
Still whether you agree or not, girls only become confident if the ability to become educated is instilled at a young age. Lariz says it best, “True confidence leaves no room for jealousy when you know you are great. There is no need to hate [on each other.]”

Thinking Ahead: Investing

Many of us have been taught to save our money from a young age. We are told to put it away for the unexpected and costly incidents life throws at us, or for the foreseeable future ventures, like college that we hope to pursue. However, did you know that there is a way to grow your savings without having to work for it? The process is called investing, and while there are many ways to invest, some far more complicated than others, I will share a few of the basic investing techniques my father taught me.

First, let’s explore investing a little further. According to Investopedia.com, investing is the process of “putting your money to work for you.” When you put your money (i.e. invest it) towards something with the expectation of making a profit in return, this is investing.  There are many things a person can invest in such as a company, real estate, a project, a car, or the stock market, etc.

Unlike a job, investing does not require your physical presence and labor to produce profits. All that is required is some research to make sure your investments are secure. In other words, it’s like making any other purchase. Let’s say I want to buy an HD TV that will last me for 10 years. I will have to do research to find out which TVs are the most durable, while still providing the quality I desire. It’s the same with investing. You should research a potential investment to make sure that its prospects are good. Without doing research, I may buy a TV that doesn’t deliver the HD quality I seek, or the 10 year longevity I hope for, which would make it a bad investment for me. Research, research, research!

IMPORTANT TO REMEMBER.
Investing is a way to earn money, however, the income made by investing is not a substitute for a job but a supplement. Despite the research involved, no investment is a guarantee. There is always a risk that comes with investing, but the more research you do, the more certainty you have that something with produce a positive outcome. For instance, the TV I ultimately choose to buy has a 95% approval rating, an exceptionally good rate with much promise. However, it leaves a 5% margin of error in which my TV has the potential to fail, and I have to keep this in mind as I invest money into this new TV.

As the expression goes, “don’t put all of your eggs in one basket.” When investing, you don’t want to put all of you money in one place. This reason is simple: because there is risk involved in every investment, it is possible that you will lose the money you have invested. The solution is to diversify. Put a little of your money into one thing, a little into another, etc. and always make sure to have enough savings on hand.

There are many ways to invest your money. I will list two simple ways below.

Certificate of Deposit (CD)
Putting your money in a Certificate of Deposit is a way to earn interest greater than that of a traditional savings account. A CD functions much in the same way as a savings account, however, it comes with restrictions that a traditional savings account does not, because it is not an account where you can make transactions (withdrawals, transfers, etc). For example, you must agree to put your money in a CD for a set period of time. During this time you may not withdraw your money, or you will incur a penalty. Also important, the interest rate on a CD remains set, regardless of the market changes throughout the year. Typical time periods for a CD are anywhere between 1 month to 5 years. To illustrate how a CD works, let’s use this example from Investopedia.com:
Let’s say you purchase a $1,000 dollar, year-long CD with an interest rate of 5%. At the end of the year you will have earned ($1,000 x 1.05) $50 for a total of $1,050. This may not seems like much, but here is the trick to investing, though you could withdraw the $50, you may also choose to reinvest it. This process of reinvestment is called compounding and will help your money grow even more. Now, you reinvest the $1,050 in another CD at a 5% interest rate. At the end of the year you will have earned ($1,050 x 1.05) or $52.5 for a total of $1,102.5.

Money Market

A money market functions essentially the same way as a certificate of deposit. However, different restrictions apply. With a money market, the rules are much more flexible. Unlike a CD, a money market allows you to withdraw money at any time, but only so many times in a set period. For instance, your bank may only allow you to withdraw money 6 times in 3 months. Additionally, you may withdraw as much money as you want, but you have to maintain a minimum balance at all times. Just say you put $1,000 into a money market, but your bank requires a minimum balance of $100. You may withdraw as much money as you want and up to 6 times in 3 months, but you cannot let your money market balance go below the $100 limit. Though the interest rate in a money market is greater than a traditional savings account, unlike a CD the rate is not set. For instance, if the market takes an upturn or a downturn, the interest rate may fluctuate to accommodate the market changes. With a money market, time commitments are also more flexible, allowing you to determine their longevity. The same rules apply in terms of earning interest, but remember that if you withdraw certain amounts of money, your interest earnings will be lower, and also more difficult to calculate, just as the changing interest rate makes determining your earnings difficult.
These are only two, of many different ways to invest your money. If you’re interested in learning more ways to manage and grow your money, consider doing more research, or taking a class. Talk to your parents and a banker about opening a CD or Money Market account. Happy saving!
GLOSSARY

Investing: To put (money) to use… in something offering potential profitable returns

Profit: Gain (In this case monetary) derived from a successful investment

Prospects: An apparent probability, future outlook

Supplement: An addition made to reinforce, or complete something

Interest: A sum paid or charged for the use of money or for borrowing money, usually expressed as a percentage of money to be paid over a given period.

Transaction: a negotiation carried out to its conclusion (Ex: the withdrawal, deposit, or transfer of money)

Compound Interest: Interest earned and calculated based on the previous interest gained.

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