yconic - Money, Discussion Topic
A photo of Money

Money

Explore yconic
Explore Student Life Topics
My Money Matches
1092
Matches
Followers (265)
  • Cassandra Rousseau
  • NS Voice
  • Rowan Hollinger
  • olga likhatcheva
  • Rachael Rowe
  • Chanelle Harry- Boutué
  • Jeanette Pitawanakwat
  • Michele Kempf
  • Rebecca Todd
  • Christelle Bernabe
  • Joshua Marchesini
  • Fairuz Shahriar
Scotiabank
STUDENT CHAMPION
yconic proudly recognizes Student Champion Partners who are providing our community with superior support for their student journeys. Learn More
Student Help Brands
OSAP
Will OSAP still fund your money if you are a part-time student?
A photo of Anonymous Anonymous
How's your hunt for Canadian Scholarships (Tips)
Hey yconic, 

For many of you who are thinking of applying for scholarships, it's important to remember that not all of them are the major ones (e.g. Loran, TD, etc) and that many of them are small scholarships which require much less work. Most of last year,  I applied to many scholarships and accumulated some tips and tricks that I wanted to share with you. 

1. Copy and Paste (Kinda) 
Most of the scholarships ask the same questions (or some variation of the same prompt). So what I did what copy and paste the important parts and fill in the word count. 

2. Make the first couple sentences impactful
I used the first couple sentences to make an impact for the judges. I never made my introductions monotone or boring. Since the judge is going to base your entire application on their first impression, It's always worth to take a risk. 

3. Don't be afraid to play with emotions 
Judges are human too. One of the best strategies is to paint yourself as someone who has overcome incredible struggle and appeared successful in the end. I have found that this has been one of the most powerful strategies I've used. 

All in all, don't be afraid to use all the cards at your disposable. At the end of the day, getting scholarships is a difficult task. 

*If I have any more tips , Ill remember to add them. 

Comment below if you have more tips!
IB Marks for Entrance Scholarships UBC
I'm in IB 11 approaching end of term 1 marks, I'm currently getting around a 93% avg. From what I've heard, to get a full ride via UBC Centennial Scholars Entrance Award I would need a 97% avg. Does anyone know if I push my mark up to 94 or 95% avg it could be weighted as a 97% because it is IB? Our school doesn't scale very much except in math and sometimes bio so I'm kinda screwed and I have no money and I'm pretty stressed.
Scholarships with upcoming deadlines! (Ep.2)
Hey yconic, 

This week, I have several more scholarships lined up for you. I also heard some of you got invited to the semi-final and final round of the scholarship. Congratulations! 

If you're interested in the last scholarship post I made, the link is below so remember to check it out. 

https://yconic.com/discussion/scholarships-with-upcoming-deadlines-ep.1/locxFsiilOvlgKV3Pm4tRmonXw0fWpTV

1. Upnature's Scholarship for Nursing and Medicine Students (Deadline: November 30th 2017) 
-All you have to do is complete a short application and a 500-word essay about your career aspirations and how you plan to contribute to your chosen field in the future.  

https://yconic.com/award/Up-Nature-Scholarship-for-Nursing-&-Medicine-Students/XeSfqydt5k1ElffkNvzg121FBrWcJGHt

2. The Expert Institue's 2017 Annual Healthcare and Life Sciences (Deadline: December 31st 2017) 
Complete 1,000-2,000 words on how you feel your specialized knowledge and training could be applied to improving the practice of law, submitted electronically as a document attached to the form below.

https://yconic.com/award/The-Expert-Institute-2017-Annual-Scholarship/duGR4aJhuVAzwgQ1w2OIfcEx1siL3rdf

3. yconic's #13FTW contest (Deadline January 18th 2018) 
Complete several quizzes for your chance to win (3) $1313 cash prizes. 

http://bit.ly/2wTFKpc

Best of luck applying for these scholarships and contest!

-Benson Law 
How to hand in MSFAA?
I know i have to take it to a post office but do i have to put in an envelope and if i do, who do i address it to?
A photo of Anonymous Anonymous
What are some easy-to-apply scholarships for Canadian students?
Hey yconic, 

Since its almost the winter break, it's a good idea to start compiling a list of scholarships/contests that you might want to tackle in your free time. University and college is really expensive (especially if you want to live away from home) so any way you can get extra money means you won't need to rely so much on financial aid. 

Here are some scholarships/contests that are pretty easy to apply to (make a video, write an essay, etc). 

7 BInary Options Scholarship 
https://yconic.com/award/7binaryoptionscom-scholarship-essay-contest/4hk5F8bdyAl8ztDLFOecrFUd3aJNxY9l
What you have to do: Write an essay about the goals you'll achieve in 10 years. 
Deadline: Dec 15th

EduTOX Scholarship
https://yconic.com/award/2017-your-environment-your%20health/1dXbEKf0vdq0AbQfGI7h27FeGdu5kmgx
What you have to do: Make a two-minute video on what your community can do to reduce the impacts of climate change 
Deadline: Nov 13th
 
#13FTW 
https://yconic.com/program/13ftw 
What you have to do: Take a quiz to find your meme. 
Deadline: January 13th

Scotiabank Customer Contest for Students
https://yconic.com/program/scotiabank-customer/?utm_source=website_yconic&utm_medium=text_link_award_details&utm_campaign=customer

*It's important to remember that EASY does not mean that you will win. Easy (according to me) to me really just means a that there's not too much work involved. They may ask you for like a short video or an essay, all of which can be finished in a couple hours. 

I'll do my best to update this page as the year goes by so bookmark it! 

Benson 
yconic Student Ambassador
Gap Year
I've been thinking of taking a gap year before entering university. Should I still apply during grade 12 or should I apply during my gap year?
A photo of Anonymous Anonymous
I am confused
I only have access to 3 different scholarships but other accounts have multiple scholarships accessible to them. How do I get rid of my "Money Matches"?
A photo of Anonymous Anonymous
What's stopping you from applying to scholarships?
There are so many scholarships available to help students pay for their post-secondary education. Some scholarships even end up being unclaimed due to lack of students applying for them.

What's stopping you from applying to scholarships?
Are you caught up in a lot of schoolwork?
Does the application process play a factor in it?

Share your thoughts by leaving a comment down below. Also, now that we're on the topic of scholarships, check out my post about scholarships for Canadian students: http://bit.ly/2ixwMf0

Alyssa
yconic Student Ambassador
Are you planning financially for post-secondary?
For current high school students, what are YOU doing right now to plan financially for university? 

-Are you relying on parents to pay for everything?
-Financial aid (OSAP, bank loans)?
-Scholarships?
-Part-time jobs?

Share your thoughts below! 
Anyone in the honours science program at Trent??
Hi, I just wanted to know a bit about that program since I would like to apply there in January. Thanks
A photo of Anonymous Anonymous
OSAP Question
I got accepted to all the schools I applied to, but was not able to afford it. Thankfully, the school I wanted allowed me to defer my admissions offer to next year so that I could take a year off to save money. My parents are in a bad place financially (they're in a lot of debt) and they can't help me with any of my finances, meaning I am responsible for all of my tuition, taxes, living expenses ect. Unfortunately, OSAP didn't care about my financial situation and the fact that my parents weren't helping with my tuition, they just cared about how much my parents make and the savings I had. My parents make a fair amount (middle class), so I didn't get enough from OSAP. I am currently working full-time (40 hours a week) and I plan on continuing to do so until I start school in September and then i'll go down to part time during the school year. .However, I am scared that since I have been working all year and saving up all my money, OSAP will take away all my grants. I am trying to apply for every scholarships but I don't meet the requirements for the majority of them. If OSAP takes away my grants, then I will not be able to afford school at all. Staying home for school isn't an option, because they don't offer the program I want at my local university. I save every penny I can and I never spent money on anything that isn't 100% necessary (not even coffee). I didn't get that much to begin with, but considering how much I'll have saved up during the school year, OSAP will probably take it out of the money they give me, starting with the grants. Is there any way I can make OSAP understand my situation and have them consider the fact that my parents are not helping me whatsoever?
Note: I originally didn't plan on taking a gap year, so I applied to OSAP and the final amount given was $7000 less than what I needed. Depending on how hard the school is and the work load, i'm not sure what kind of hours i'll be able to work during the school year and since I have to move away I won't be able to keep my job, so I'm not sure how long it will take me to find another one, meaning I could be out of work for a long time (it took me 10 months to find the job I have now). I'm also not sure whether or not my current job will allow me to come back during the summers (they typically don't do transfers so that's not an option either). I'm not just the first year i'm worried about but the three subsequent years as well (maybe more depending on whether or not I decide to get my masters). I know I should have started looking for a job earlier on but it's too late to do anything about that. If anyone has any tips or suggestions on what I can do about OSAP please let me know. Thank you!
A photo of Anonymous Anonymous
Financial Aid: How are you paying for school?
Hey everyone! I am one of your yconic Student Ambassadors for this school year. Today I will be discussing financial aid and sharing my thoughts on how you can pay for school.

Before you even apply to university, you have to pay fees to get your applications processed. In some cases, you might even have to pay more to complete supplementary applications (Check out my post last week about university applications: http://bit.ly/2jKJt6m). Unfortunately, this is only the beginning. 

I am currently in my third week of university and have spent A LOT of money. Textbooks alone can cost you hundreds of dollars. Thankfully, there are many ways for you to finance your education. 


1. OSAP (Ontario Student Assistance Program) 

OSAP is a financial aid program set up by the government to assist families and students to fund their education. You get grants and loans from OSAP and the amount depends on your family's income. That said, you might qualify for FREE tuition. 

When you're applying for OSAP, hand in your required documents ASAP to ensure that your OSAP money comes on time to pay your tuition and buy your course materials. 

Check out this page to get more information and to calculate roughly how much you can get from OSAP: https://www.ontario.ca/page/osap-ontario-student-assistance-program 

2. RESP (Registered Education Savings Plan) 

An RESP is like a savings account for your parents to contribute to for your post-secondary education. In addition to the amount your parents contribute, the government adds to it as well. 

3. Bank Loan 

Getting a bank loan is another option to help you pay for school, especially if you'll be studying as an international student abroad. It is important to note that the interest rate might be higher than OSAP and varies from bank to bank. 

4. Part-Time/Summer Job 

Working part-time or having a summer job is a great way to save and pay for school. It definitely helps reduce the amount you have to borrow to pay your tuition fees and course materials. An added bonus is that instead of asking your family for money, you have your own to spend for textbooks and of course, food! 

5. Scholarships and Bursaries 

Free money is awesome! Bursaries are offered to students who demonstrate financial need. Just like OSAP, it takes your family income into consideration. A lot of post-secondary institutions have a financial aid section on their websites, which gives students information on how to apply for them. 

In addition, you can get an entrance scholarship, which is based on your Top 6 for Grade 12. They might range from $500 to $4000 though it depends on the post-secondary institution. This is one of the reasons why it is important to maintain your grades after getting accepted into your program of interest. 

There are many scholarships available here on yconic, so if you're reading this, I would highly recommend that you start applying to them. Last year, one thing that I found surprising was the fact that many scholarships go unclaimed due to people not applying for them. Writing essays might seem unappealing and a lot of work now, but your future self will be thanking you later for doing so. 


Let me know in the comments how you plan to or are currently paying for school. If you have any questions, please check out my AMA as well: http://bit.ly/2fknIsA 

Hope to hear from you soon! 

Alyssa Vidal 
yconic Student Ambassador
5 Things I Would Tell My Grade 12 Self
Hey Yconic! 

O-week has just finished for me and university classes are already in full swing. For many of you here on the site, you must be super excited (and slightly anxious) about applying to university and getting ready for your final year of high school. Looking back, life is so incredibly different here at Western than it was in high school. From studying to living, everything here has really changed my perspective on life as a student. So here are some things I would tell my grade 12 self and also recommend to the high school class of 2018!

1. Develop good study habits 
This is something that is pretty common sense but it's important that I point this out. Learn to prioritize school work and readings before having fun or going out with friends. In university, no one cares anymore about whether or not you even show up to class so, in order to stay up with the prof, you need to be able to be as responsible as possible.  Taking good notes and organizing myself is something that I would tell my grade 12 self because all of these good habits carry over from high school to university. 

2. Apply for scholarships and Bursaries
Post secondary life is EXPENSIVE. In fact, I just spent $900+ on textbooks, school supplies, and lab safety equipment. A lot of high school students don't even think about finances for post secondary until very late in the year when many of the deadlines have passed. In hindsight, I should have applied to many more scholarships. For many of you grade 12 students, I recommend you look early on (aka right now) and start applying for some because it really helps with the cost of your post-secondary education. 

3. Build a sense of independence
University life, especially in residence is really independent. Most students now do their own cooking, laundry, and cleaning. One week ago, I didn't even know what dryer sheets were and it was then I realized that I had no idea how to dry my clothes, sort colors/whites, etc without the help of my parents. Many of my friends are also experiencing a "lifestyle shock" because we've been sheltered our whole lives. To all the grade 12's this year, start picking up some basic life skills like cooking and doing the laundry so you know how to be independent when you transition into university. 

4. Take care of yourself
While working hard is important, it's equally important to take care of yourself. Many of you will pull all nighters, cram for tests, and consume ungodly amounts of caffeine. Even though this is a fact of life for many of us, remember that this should not be a permanent way of life. During "off-times", remember to eat right, hit the gym, and rest well. Looking back, I realized that the stress that I had put on myself in high school was becoming so evident that I had difficulty sleeping and concentrating. So for the grade 12's this year, remember that even though working hard should be a top priority, your physical and mental well-being is also a priority, something that I had wished I'd thought about. 

5. Realize that there is a world of people out there
Back in high school, I was never too sociable because all I did was work and study. I found it hard to make friends or find people that were like me. Knowing that my world in university was not going to be anything like high school is something I had the wish I'd known.  But everything turned out alright because little did I know that at Western, a school with over 29,000 students,  I was going to meet so many people that were like me in the first week alone. So if you are quiet high school student, get ready to have your mind blown by the world of different people that you meet after high school. So if you are unsure if you will fit into university, don't worry because there is bound to be someone out there just like you!

What did you think about my list? Do you have something you would tell your grade 12 self or recommend to others? If so, comment below! 

If you have any questions, also feel free to ask me on my AMA http://bit.ly/AMABenson

Benson Law 
yconic Student Ambassador 
Textbooks
Will one need the textbooks they buy in one year for the next year. People go around selling all of their textbooks and even their notes. Will these not come in handy in reviewing previous content so that you can better understand the material from future classes?
A photo of Anonymous Anonymous
Where Can I Find Grants, Bursaries and Relevant Scolarships?
Hello everyone, 

I'm an incoming grade 12 student looking for ways to fund my post secondary education. I was wondering if you guys know of any legit sites (besides this one) for finding bursaries and grants.

 In my experience using both Yconic and Scholarships Canada always gave me results that were fairly irrelevant despite having filled out a detailed user profile. If you guys h ave any tips for avoiding this issue, I'd greatly appreciate it. 


tl;dr: 
OP is looking for grants and bursaries + advice on how to find relevant scholarships
A photo of Anonymous Anonymous
Transfer AFTER second year
Hi,
I am entering my second year this fall in Biology. I currently go to a smaller university far from home and this summer has been very tough on my family financially. It would be better for me if I went to uni in Toronto/Durham region to save money. I was wondering if anyone has their own experiences or heard from friends about how it is like to transfer after second year. Also, I know most schools accept transfers only for the fall term, but I want to transfer as soon as possible so are there any schools which offer admission for the winter or spring/summer semesters? I will need further school after my bio  BSc, so for my undergrad years I want to save money. Also, am I making the wrong choice to transfer after second year? or should I just stay and finish up the degree there? Anyone with opinions on how its like transferring from a smaller uni to a larger one?
*I will be transferring into third year
*my grade are pretty decent so far-I only know the first year grades
ANY HELP WILL BE APPRECIATED 
THANKS
A photo of Anonymous Anonymous
LOOKING FOR SOME ADVICE
HEY, just looking into some life sci/health sci programs for next year (I will be doing grad school too) and was wondering how the University of Waterloo is in their sci programs? I know some people who go for their arts/bus but not for sci. Is it a nice school for a science undergrad if I want to pursue grad school? I heard a lot about their coop and engineering but based on my grade 11 marks, I don't know if I will qualify for co-op. Just want any thoughts on the waterloo science programs/faculty and reasons why I should keep waterloo as my first choice *other than Co-op*
*edit-I will be living in rez

Does UWaterloo offer good connections in sciences?
A photo of Anonymous Anonymous
Banking and OSAP

Should I change my withdrawal limit and increase it past the amount OSAP will be providing me so that my school can take the money from my account ? I said that OSAP can give it directly to my school, so would that mean it will not go into my bank account at all ?

How does the whole paying your tuition process work ???

A photo of Anonymous Anonymous
OSAP- Help!!!
On OSAP if it says "1st payment: school confirms that you've enrolled in full-time studies : pending", does that mean my tuition is not deferred ?
A photo of Anonymous Anonymous
Volunteering and Jobs
Does anyone know some good places to volunteer that would look good on a resume or applications, and are always looking for volunteers ? Also, how do you find a job if you have not worked before? Do employers still hire you ?
A photo of Anonymous Anonymous