Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 11, Issue 12August 2016


What Your College Student Does NOT Need

Starting college is a major rite of passage, and many students and parents tend to want to mark it by buying tons and tons of things. But if you or someone you know has a child heading to college, you might want to consider a list of things not to buy, courtesy of the website dealnews:

A printer. Most professors prefer or require that students turn in their papers and other work electronically, so there is very little that today’s students need to print out. If they do, there usually are printers available for student use on campus.

A coffeemaker. It takes up a lot of space and it requires your student to buy coffee – a beverage that is readily available on and all around college campuses. Also, a coffeemaker could be a fire hazard. In fact, some schools don’t allow small appliances such as coffeemakers in the dorms, so if you must buy, check first.

A tablet. Your student probably already has or will have a laptop, so a tablet is redundant. Also expensive and easily lost, broken or stolen.

Nice bedding. It is not uncommon for you to put the sheets on your child’s bed when you arrive and for those sheets to remain there until move-out day. So don’t waste money on high thread-counts.

An expensive TV. Most students watch TV on their computer or smartphone, making a TV redundant and a huge space-hog. If your student desperately wants one, go for the least-expensive option possible. And wait until you get to campus and see the size of the room before you buy.

Cooking supplies. Even if your student is inclined to cook – and why should he or she be, when there is a dining hall -- most schools have strict rules about cooking in rooms. There might be a kitchen in the dorm for everyone to use, but it also probably has pots, pans, cookie sheets, etc.

An iron. Again, this is prohibited in many dorms. And unless your student regularly irons already, there is no reason to assume he or she is going to start now.

An external hard drive. Cloud-based backup is reliable and inexpensive. And it takes up no space.

An expensive laptop. The possible exception to this is if your student is taking a lot of classes that require an extraordinary amount of processing power. But if your student, like most, is going to use the laptop to write papers, go on Facebook and watch videos, there is no reason to pay top dollar.

School supplies. Your student will need these, but you should wait until classes start and teachers explain what kinds of supplies they want students to have. Otherwise, you probably will buy too many of the wrong things.

This article was created by Osmosis Digital Marketing for use with permission by The Bensman Group.

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