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www.FredParent.NET 13 and the difference between a credit card and a debit card. A debit card needs a PIN because money comes from a bank account right away. A credit card needs a signature because you're agreeing to pay interest and anything you owe at a later date. Kids, make sure you know how to balance a checkbook so you don't get that debit card declined … so embarrassing! and why you should have one. Once you turn 18, the law states that you can make your own medical decisions. Since you're away from home, you need to think about what you would want done in the event of a life-threatening accident. A living will gives specific instructions, while a durable power of attorney is when you assign someone to make the decisions for you. It's a heavy but necessary discussion to have with your family. You might just have a part-time job along with classes, homework and social time. Just like with money, getting real makes a huge difference. Google Calendar is a great on-the-go option and different activities can be color-coded so you can see where you might have a free block of time … or where you may be double-booking yourself. Don't forget to plan sleep time in there or you'll burn out fast. (ADD meds, antibiotic, etc.). Make sure you have insurance information at the ready so it can be logged in the database, and find a drugstore that will take your insurance. The first time you do this, you will likely need to contact your doctor so he/she can contact the pharmacy, but after that refills should be smooth sailing. There truly is an art to bringing up grievances and respectfully disagreeing with people such as authority figures and roommates. You don't have to be a doormat when arguing your case with a professor, doctor, boss, but you also don't have to always go for the win. You're not the only college kid to arrive without a car, especially if it's your first year. Check online or grab a paper route and schedule. If you're still confused, ask someone at the station how to get where you need to go, then buy your ticket using your student discount. Now that you have some important basics down, relax and enjoy your college experience, knowing you are prepared for whatever life throws your way. Always have a spare tire in the vehicle you drive, as well as a jack, fl ashlight, rain poncho and gloves. 5 How to manage money... 7 How to manage time 6 what an advanced directive is... 8 How to refill a prescription... 9 How to deal with people 10 How to use use public transportation TIP 3 You don't have to be a doormat when arguing your case with a professor... TIP 9 TIP 2 Check Recipes.com and YouTube for easy, tastey recipes. Check online for public transportation schedules and routes. of college freshmen had an a+, a or a- grade point average in high school. 48% TIP 10