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College and University Professional Association in Human Resources selects gomembers’ extraweb
[Herndon, VA] gomembers, Inc., (http://www.gomembers.com) announced this week that the College and University Professional Association in HR (CUPA-HR: http://www.cupahr.org) has selected the extraweb online module to complement their pinnacle...
Earning a College Degree Online
Traditionally, earning a college degree has required a student to physically attend a college or University at one of the campuses the institution runs. This might require a student to relocate, or the student might be limited in the classes he or...
Online College Courses - Benefits and Advantages to an Online Education
There are a lot of reasons to consider taking college courses online. By far the greatest advantage of taking an internet college course is convenience. You can take a college course online from anywhere that has an internet connection. These days,...
The College Search Begins Early, Includes Entire Family
(ARA) - When it comes to getting into the college of your choice, the early bird truly gets the collegiate worm. Due to the growing selectivity of private colleges, waiting until the junior year to begin the search, application and financial aid...
Top 25 College Football Rankings are Meaningless!
What is he talking about? If you think Top 25 Rankings are a great way to handicap football games, let me lend some friendly advice. I have to admit that I would be hard pressed to name more than 20 of the Top 25 teams going into this weekends games...
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Avoiding College Credit Card Traps
Congratulations college freshman! You’re about to embark on one of the most exciting times of your life. By now your parents, siblings, and friends have offered you all kinds of advice on how to make your transition to college smoother - how to get along with your roommate, what classes to take and which ones to avoid, where to find the best off-campus food, and how to stay safe on campus.
One thing they may have not warned you about is how quickly you’ll be bombarded with credit card offers. You’ll find them in your textbooks, in your mailbox, and on every campus bulletin board. You’ll be offered free DVD’s, t-shirts, music downloads, and more in return for completing an application for credit.
Why all this fuss over you for a stupid piece of plastic? Because they love to recruit new borrowers, especially in your age bracket. They know, from numerous studies, that college students tend to be impulse buyers. And even though your impulse purchases tend to be small - pizza, coffee, beer, CD’s, cigarettes, books, etc. - those small purchases can add up quickly.
Fifty-four percent of freshman students and 92 percent of sophomores have at least one credit card. A recent study shows the average college student graduates with between $1,500 - $3,000 in credit card debt.
Here are 7 tips to help you manage your college credit card needs:
1) Look for a card with the lowest fixed percentage rate and a low or no annual fee. Read the fine print carefully - many low or 0% introductory rate offers expire in 6-12 months.
2) NEVER use your credit card for a cash advance. The fees and repayment structure associated with a cash advance are
Guitarist Charlie Hunter: Serve The Music First
Counting fans among lovers of straight-ahead jazz, the avant-garde and jam bands, Charlie Hunter has spent more than a decade defining his guitar style. In a session from Jazz24, Hunter unveils his new approach to technique that serves the music first.
Blue Note Records Celebrates 70 Years Of Jazz
From before bebop to the present day, some of the best jazz albums of all time have been issued by Blue Note Records. The label celebrates its 70th anniversary this week, and to honor the occasion, pianist Bill Charlap has chosen five of his all-time favorite Blue Note songs.
outrageous.
3) Have a budget! Your credit card is not free money. Budget your money so that you can pay off your balance at the end of each month. If you can’t pay off the balance, always make more than just the minimum payment.
4) Pay your bills on time, otherwise you’ll pay a late fee between $25-40 every time your late with a payment. Late payments will also increase your chances of having your percentage rate raised on ALL your credit accounts.
5) Request a low credit limit somewhere between $700-$1,500. The object is to have credit available to meet some of your expenses and in case of an emergency.
6) Less is better. You don’t need more than one or two cards at the most. The more you have the more tempted you’ll be to use them or to “max” them out.
7) Consider using a debit card instead. A debit card is linked to your checking account and purchases are automatically deducted from your account balance. Of course, make sure you have money in your account to cover any purchases you make.
Using a credit card is a big responsibility whether you’re a college student or an adult. Managing your credit wisely establishes a positive credit history which will serve you now and well into the future.
Copyright 2005, http://www.yourfreecreditreportnow.com
About the Author
James is editor of "TO YOUR CREDIT", a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and receive his e-book “IDENTITY THEFT- How To Avoid Becoming the Next Victim!” and other bonuses by visiting http://www.yourfreecreditreportnow.com
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