Showing posts with label student credit card. Show all posts
Showing posts with label student credit card. Show all posts

Tuesday, November 15, 2011

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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Wednesday, October 19, 2011

Facts You Should Be Aware Of When Getting a Credit Card

Once you apply for a , the lending company does a credit check to how risky the expansion of credit will probably be. There needs to be a typical of risk that the loan provider is going to be prepared to recognize. One of the facts you can count on being examined are your credit report, earnings, work history, present debt, how long you’ve existed in your residence, whether you possess your own home, how often you’ve requested credit, and perhaps if you have tax liens or judgments filed against you. Many of these factors could be listed on your personal credit report and along with your credit score (the statistical value of your credit worthiness) the lender will determine whether and how much credit they would like to extend to you.

In today’s world, there's a credit card available for most people. You are likely to find yourself pummeled with credit card offers at some point or other. This is also true for students. This is where patience, research, and good sense should come up. In no way pick the first credit card offer that comes across the table. Set a standard in what you’re prepared to allow yourself to be charged in interest. In the end, this is money that will be appearing out of your pocket. This means getting in the habit of reading the agreement of the offer.


Read Full Story: Facts You Should Be Aware Of When Getting a Credit Card


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Sunday, October 16, 2011

Check Out Gift Cards

(NAPSI)—According to the Office of the Comptroller of the Currency, sometimes you should look a gift horse in the mouth—or at least look over gift cards before giving them for the holidays. Gift cards can be convenient and valuable. But be careful, these experts warn; the popular cards may have costs and restrictions.

What To Watch For

Here are hints to help you:

• First, look at the fine print on the card or call the toll-free number listed. You may find that some cards come with fees. A fee could be charged when you buy the card or make a high number of transactions. Fees can also be levied if you haven’t used the card for a year and then you may be charged a fee every month. Other fees may be applied when you make a balance inquiry, add funds to the card or replace a lost or stolen card. Read Full Story

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Friday, October 14, 2011

The Important things about Online Schooling

If you've been given the option whether to continue your own education in the traditional institution or with an online college, which one could you choose? Do you know the advantages of trying out an online education program? Look at the following advantages:

Choose your preferred location and time. One of the greatest benefits of learning online is that you could pick your personal desired time and place. Since classes are carried out through the internet, time and place doesn’t need to be the barrier. Continue Reading

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Financial Tips for Recent College Graduates & Their Parents


If you are saving for your child’s college education, you may need to save a little more for financial support after graduation.
According to a new study by American Express, 80% of graduates move in with their parents after graduation due to financial instability, and almost half of recent graduates are receiving financial assistance from their parents.
“The average student loan debt is $24,000,” says Bill Hardekopf, CEO of LowCards.com and author of The Credit Card Guidebook. “Graduates may also have another $3,000 in credit card debt. These young adults are
financially stressed before they enter the work force, and many have to turn to their parents for help. But these parents have just spent a lot of their money to pay for the college education and need to be saving for their own
retirement. The parents may need their own financial help.” Read Full Story

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