The holiday season Shopping Methods for School students

A lot of youth enjoy shopping especially when get yourself ready for the particular vacation trips. If you’re a student, how can you survive the holidays without getting stuck in holiday debt? Consider these Christmas shopping ideas:

Make a gift list. Who are you planning to give presents to for Holiday season? Don’t feel negative if you can’t provide gifts to every person you find out. You can still show the nature of kindness and love in many ways apart from providing material things.

Fixed a budget for each person. For each person on your list, make a decision precisely how significantly you're willing to spend before looking for the perfect gift. Consider the person’s interests and desire just before getting a gift. Don't forget, a gift doesn’t will need to be overpriced in order to be particular.

continue reading : Christmas Shopping Tips for Students

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Still living off credit cards? Can’t figure out how much you could or should spend? Need to save for retirement? Deborah McNaughton, a Placentia credit expert, financial coach and author of “The Essential Credit Repair Handbook,” is here to provide her financial advice:

Q. My son is filing for bankruptcy protection. Both he and my daughter are authorized credit card users on some of my credit cards. Will my daughter and my credit scores be impacted when he files?
A. No. An authorized signer is not responsible for the payment on a credit card. When you applied for the credit card in your name and it was approved, you became the primary person responsible for the account.

When you agreed to allow your son and daughter to become authorized users for your account, the original terms remain the same. Nothing changed except they were allowed to make charges using the credit card but you are the one responsible for making the payments. read more

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How to Intelligently Smart Decision College student Credit Card for a Holiday getaway Trip

For lots of people, the christmas season is usually a time to go relax, to go on a vacation, or visit relatives who reside overseas. Are you currently a student who lives at a boarding school, a distance from your family? If so, then you certainly are certainly getting ready to come home and spend the getaways with your loved ones.

Here, let’s focus on tips on how to make use of your student credit card to your advantage if you’re going on a christmas trip this year:

1. Get rewarded.
2.Experience the perks.
3.Watch out for currency conversion fees.
4.Check your balance.
5.Be ready to pay your bills.

continue reading : How to Smartly Use Your Student Credit Card for a Holiday Trip

University student Credit Card Strategies for christmas

For those who own a student credit card, make use of the following tips as your guide on what to spend smarter this holidays to avoid post-holiday headache brought about by bad debt.
Watch out for store cards. Many retail stores supply unique discounts within the holidays to encourage customers to register for a store card. While the possibility for you to save 10% to 20% on expenses can be attractive, however, if you’re just getting someone to buy things for Christmas, ignore obtaining a store card. Using a store card in your wallet will simply tempt you to spend over our limits and the penalty fees are acknowledged to become steep. read full story


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Students Need Help to Save Money, but Don't Always Know It, Study Finds

ScienceDaily (Aug. 25, 2010) — Students could use help saving more money, but they don't always know it, says a University of Waterloo study.

Most people intend to save more money, and spend less, than they currently do. If they were offered a simple way to do so, would they take it? New research suggests the answer is no.
And the reason is that their very good intentions can give rise to a sense of optimism that leads them to undervalue opportunities that could make it easier to actually achieve a long-term savings goal."Our results highlight the costs of being too optimistic," said the study's senior author, psychology professor Derek Koehler.

Researchers at Waterloo asked students in the university's co- operative education program to set a savings goal at the beginning of a work term, and then asked them again at the end of the term whether they had met their goal. Co-op students alternate work and study terms, and most plan to save much of their earnings from the work term for use during the subsequent study term. Read more...

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10 Ways College Students Can Save Money

Unless you borrow heavily or become best friends with a really rich uncle, finding the funds you need to get through college can be difficult at best. But there are different tricks and strategies that can be employed to save money on everything from books and software to entertainment and phone calls. Here are 10 things to try before becoming saddled with too much debt:

1. Be responsible with credit cards. Many a college student has gotten into trouble with credit cards while they are in school. If you do decide to get a credit card, make sure you find a card with a low interest rate and no annual fees. Also, be very careful to pay your credit card bills on time. Just one late payment can result in fees and/or a huge increase in your
interest rate.

2. Buy used or digital textbooks. The cost of college textbooks can add up over the years. It isn’t unusual for students to spend more than $1,000 each semester. You can save a lot of money by buying your textbooks used or investing in digital textbooks. There are many different sites that sell used and digital textbooks on the web at huge discounts. Good sites to try include Biblio and Zinio.

3. Rent textbooks. Renting textbooks can be even cheaper than buying used or digital books. Most textbook rental services use a Netflix-style rental system that allows buyers to have books shipped to their front door. Textbooks can often be rented for an entire semester or for an entire year. Examples of textbook rental services include Chegg and Skoobit. Read More....


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Students learn value of money, importance of saving

NASHVILLE, Tenn. -

With the decline in the economy in recent years, more students of all ages are learning the value of a dollar and the importance of saving.

Nashville's News 2 recently visited students at Lipscomb Elementary in Williamson County to see if third graders understand how much things cost.

The students were asked what they would do if they were given $10.

"[I'd buy] maybe a toy or something like that," third grader Emma said.

Fellow classmate Michael Sheridan added, "[I'd buy] stuff because I couldn't buy a video game with that much."

One child, however, had a different idea on what she would do.

"I'd save it," Megan said.

Students were also asked about the costs of things such as a new car and family trip to Disney World...Read More...

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5 Ways to Save Money as a College Student

It’s that time of year again: Thousands of college students are returning to campus, looking for another year of education. Of course, college tuition is expensive, and there are other costs associated with attending university. No matter the costs, though, there are ways to save money. Here are 5 ways you can save money as a college student:

1. Avoid Buying New Textbooks

This is a time honored method of saving money while attending university. I might have bought one textbook new during my entire university career (and that includes my time as a Masters student). More good news: You do not have to rely on the college bookstore for your used books. My husband orders all of his books used on Amazon, for less than used books in the bookstore. You can also check textbook exchanges at your school. These are available on student boards, and some exchanges can even be found online. It is also possible to rent textbooks now, but you will not be able to sell them back at the end of the semester, recouping some of your outlay.

2. Work in Food Service

Having the right job can save you money on food. When I worked in the university cafeteria, I was allowed one free meal at the end of my shift. Since my shift was dinner, I saved money on food for the most expensive meal of my day. Sometimes, if I stopped by at the end of lunch, the cooks would give me free lunch leftovers as well. As a waitress at a local restaurant I didn’t get free meals, but I did eat for half off. With the right job, you can make money and get some of your food for free, reducing what you need to spend at the grocery store. Read More.....

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College Student Money Guide – Financial Tips for Student Success

Beware College Debt!
This college student money guide is a collection of financial tips and advice to help college students get a degree, have fun, and not leave college in massive debt.  As many of you can probably attest, getting the degree and enjoying the college experience tend to be the main goals of many college students.

Unfortunately these often come at the expense of student’s checkbook and credit score. The good news, that we’ll be covering here, is that you can graduate, have fun, and keep a handle on your money if you follow the right steps!

Broke College Students
As a college student, what do you have in common with most everyone else on campus…  You never seem to have enough money!

You probably spent at least a year before you stepped onto campus trying to get enough scholarships, loans, and grants to cover your tuition, books, and living expenses.  If you think about it, practically everything about college costs money. For every college you applied to, you probably had to pay an application fee just so you could get approved to go there and spend even more money! Read More...

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Personal Finance: Marriage is taxing for same-sex couples

(Reuters) - After 13 years together, Maggy Porter and Arlene Bronfman began to talk last June about marriage when New York State passed its Marriage Equality Act.

Until, that is, the New York-based couple visited their accountant.

"What was supposed to be this way of expressing our love was going to seriously confuse our taxes, investments, estate planning, really all our finances," says Porter, a registered nurse. "Our CPA is great, but even he seems pretty bewildered. We weren't sure how to proceed."

In the end, romance won out over finances, and Porter and Bronfman plan to marry in March despite the financial complications and expected tax hassles.

While marriage can save heterosexual couples a bundle, it could cost same-sex couples thousands of dollars in extra taxes and professional advice because the federal government still doesn't recognize the marriages. Read Full Story

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Tips to get Very past due Education Loan Back Great Status

When you’ve got a very delinquent student loan, you’re not after the entire world! You can deliver the money from this weakening position through the method referred to as, InBank loan Rehabilitation.In With this time, we are going to determine and explain accomplishing this which will help you will get your money and your wishes back in line.

What the heck is mortgage loan recovery? In basic terms, it is is essential taking an education loan from the go delinquent method. There are several crucial logic behind why you wish to get this option right away.

First and foremost, your loan(azines) end to staying labeled just as Ingo delinquent position.In That on your own is sufficient practice this restorative option.

The second thing is, you then become eligible for the complete read more

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Your Student’s Checklist to purchasing by using a Credit Card Correctly

All students have their own very own credit cards which they use primarily for building credit. Before using the college student credit card to shop for from a shop or an web shop, exactly what things should you recall? Mentioned below is a checklist for students on how to buy with a credit card properly:

1. Look at the company and also the merchant’s policy. You should understand the merchant’s contract about return and earnings before purchasing, particularly when internet shopping. As a student credit cardholder, you need to also be aware about the purchase security providers offered by your issuer. While most shops offer a 30-day refund, you could possibly be able to return an item even after the merchant’s return guarantee has expired if you used a credit card to create the purchase.
2. Get only from reputable retailers. When looking on the web, it can be tempting the buy via an unknown merchant simply because of the cheaper offer. Guaranteed, you would like to save dollars but be careful that you don’t get ripped-off in return. It’s best to buy only from trustworthy merchants together with a strong track document of the historical past. Nevertheless, you may also consider buying from a new shop if there are convincing proofs that the supplier can be trusted. Read More

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Ideal Advice for College students Pursuing Online Schooling

In case you are currently taking on a degree via online education or likely to enrol within an online college, allow me to share greatest tips on how you can take advantage out of your online chance to learn:

1. Selecting a genuine and certified online institution. 

There are lots of online resources these days that provide online distance education programs which are not registered or licensed by the government regulatory panel on training or the U.S. Department of Education. You may also check out the Council for Higher Education Accreditation (CHEA). However, many people had been victimised by con artists online that provide fake degrees or degrees and diplomas. Obviously, graduating through unauthorised or unaccredited learning school will be a total waste of time. Continue Reading

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