Welcome to the Real World My Child

Last week, my daughter returned to college. Instead of going back into the dorms, she decided she wanted her own place so she shopped around and found a nice little apartment about 10 minutes from campus.

What my daughter has quickly learned is having your own place costs money---especially if you like "new" and not "used" and you must do your homework before deciding on the best place for you.

Here are some of the things baby boomer parents can do to help make off campus life a pleasant experience:

Affordability
What can your college student afford? Help them evaluate their budget so they know how much rent they can afford without overextending financially. You might also suggest they consider a roommate, who can split the bills.

Utilities
Your college student should make sure they check to see what, if any, utilities are included as part of the rent. Sometimes landlords will pay for the water and heat for a tenant, whereas other landlords will not pay for any utilities. There are even a few landlords out there who will pay for all utilities for their tenants. This is something your college student should know before renting so that they can estimate their monthly budget accurately.

Location
When checking out apartments, check the location. It should be close to the campus so no one will have to worry about the long commute to class.

Credit Score/Background Check
If you haven't talked to your college student about credit, now's the perfect time. They need to know that when it comes to renting an apartment, there will almost always be a credit report and background check done on them. This is why places have application fees, because it costs money to run these reports. Have too many unpaid bills, or a history of getting into trouble with the law will result in your child being denied. Also, you should explain about co-signers. Because they are probably a first time renter and don’t have much of a history, they will, more than likelt, need a co-signer on the application.

Read the Lease Before You Sign It
Make sure they read every line of the lease before they sign it--and it would be a good idea if you read it too. This is important because it will contain the rules that the landlord requests by which they have to abide. The lease will contain what pets they can have, if any, what utilities they are responsible for, how much their rent is, when a late fee is charged, and what conditions they can break the lease, if at all.

Renters Insurance
Explain the importance of having renters insurance. Renters insurance is fairly inexpensive. This minor expense will insure their valuables against damage from fire or burglary. It is especially important for them to get covered if they have valuable items such as laptops, stereo equipment, and jewelry.

With some discipline and organization, your college student's first apartment renting experience can be satisfying as well as a huge learning experience.

Take an Aids Test for College Extra Credit

College sure has changed a lot since I went more than 30 years ago. I recall earning extra credit in my political science class by going to see the movie Casa Blanca and then writing an analysis of the movie as it related to a topic given to the class by the instructor.

Well, it seems that in my college daughter’s Health Studies class the students have been given the opportunity to earn extra credit by going to their Student Health Services Center and taking an aids test. God forbid that some of those young people discover they have the deadly disease. But it doesn’t matter because they will still get extra credit.

So what has college come to when students are being coaxed into taking an aids test? And why would a health class be MANDATORY for all incoming freshmen?

What’s next? When she takes Economics will she have to come up with a bailout plan for Wall Street?

Parenting a College Student

The other day I came across an interesting article about parenting and college students. Since I am now the baby boomer mom of a college freshman, I took note of what it had to say.

The Professor from Emory University offered some tips on Parenting Your College Student.

He says “you won't be able to wait for them to come home – or leave.” Boy, was he right about that! She’s only been away from home for two weeks and she’s come home both weekends. Some people might be starting to question if she’s really in college.

• Don't change your child's room. The student's room is 'home base' – try not to change it very much during his or her first semester away. Freshmen in particular can go through some very difficult times, passing exams, establishing new friendships, surviving in a setting where they are not 'top dog,' and often fearing that admissions has made a mistake – that they do not really belong at college. Give them a 'safe haven.”

I guess that means I won’t get to have that office I was planning on!

• When a problem arises, "move like your feet are stuck in molasses." The temptation is to intervene when a child calls home with a problem. Remember that many resources exist at college to help students cope with various situations.

That's good to know because I did enough "intervening" for the first 18 years of her life!

• Don't expect the same grades in college that the students got in high school. All I have to say to that is, SHE’D BETTER NOT!!!