College Admissions Guide for Students and Families

Students and parents alike often find the college admissions process inordinately stressful. This does not need to be the case. The following tips are simple yet essential guidelines for completing the type of college applications that will lead to admission to the college of your choice. All recommendations are based on over a decade of experience in college preparation and application assistance. Each section should be addressed by students in the order presented. Parents may consider hiring a college application professional to assist their children in completing all elements included in this article to improve chances for admission and reduce stress.

Heart’s Day Scams Students Must Avoid

In this post, let’s check out many of the most common tricks that scammers may try to pull off with this coming holiday - the Valentine’s Day.

Electronic Greeting Card Scams. Valentine’s Day greetings are hoped for with this day and although e-cards or greetings cards sent via internet will be the trend, you would like to keep an eye out against e-card scams. Your inbox may be flodded with V-day e-cards on February 14th, to start with you click on each mail, check to see where the email originates from.

Pursuing Online Education for Students

If you're presently taking up a diploma through online education or about to enrol in an online university, the following are best tips on ways to make the most through your online learning experience:

1. Choosing a legitimate and accredited online institution.
2. Compare the fee and advantage.
3. Anticipate to manage your studying.
4. Familiarize yourself with and utilize online language resources.
5. Enquire about transferrable credits.
6. Be interactive.

Source:Best Tips for Students Pursuing Online Education

Cut Debt in 2012: Five Effective Personal Finance New Year's Resolutions to Get Started on Now

The holiday season has now passed, and most people have substituted their pre-holiday-shopping-excitement with a post-holiday-debt-depression. Before debt threatens your New Year's happiness, here are five techniques for cutting down consumer debt, and getting you moving towards better finances in 2012.

1. Refrain from racking up additional unsecured debt.

Smart tips for students on Valentines Day

We present practical, smart tips for students on V-day:

Go for a walk together. When was the final time you’ve taken a calming walk with your someone special on the park or perhaps in a place with an amazing view?

Cook for the cherished one. They say that the best gift you are able to give someone is your time.

Make Valentine’s Day a film night. In the event you both enjoy watching movies, why don't you rent your entire favorite DVDs and view through the night together over popcorns and cupcakes?

Reminisce days gone by. If you’ve been married for a long time, why not look back when you’ve had your first day and get it done all-over again for Valentine’s Day.

Don’t get yourself into debt if you’re broke. In case you are truly broke, don’t wish to borrow money or use your bank card just to obtain a gift or purchase an opulent restaurant dinner. Read full story

Saving Money Tips For College Students

By Babatola Johnson

The approach of this article is based on 7 simple steps you must observe for you to become regular saver savings as a college student:

1. Have A financial goal: first of all before even thing about the money, realize that you as a student require one need or the other, for example: to start a small side business while in school.

2. Differentiate between need and want: most student tends to get this wrong as some of them end up settling for those things they don't really need as against essentials. For example, planning to buy jewelries instead of a personal computer.

Financial Methods for Students on Valentine s Day

For this post, we present tips about how you can get through Valentine’s Day without falling in to the debt trap:

Don’t have to spend. Are you finding that the day will likely be lonely in case you don’t have money to spend? Should you, it’s high time that you just alter your outlook and consider the items you can take advantage of without having to spend a lot.

Don’t enter debt for the sake of celebration. Are you contemplating borrowing money to get gift to the someone special?

Plan credit card repayment. If you opt to takes place student plastic card to acquire something special anyways, you happen to be liberal to do so.

Save up for Valentine’s Day. It’s one more month before Valentine’s Day and that’s more than 1 month to economize.

Plan in advance. An amount you want to give to your someone special on Valentine’s Day? Read on

Resume Do's and Don'ts

Resume Do’s

• Gather and all information relevant to position
• Omit First Person Pronouns (I, me, my)
• Omit unnecessary articles (a, an, the)
• Use phrases with action verbs
• Eliminate all errors
• Plan an attractive layout
• Make it look clean, neat, and orderly
• Use bolding, italics, or underlines to emphasize
• Focus on accomplishments
• Edit, re-edit, get feedback, edit some more
• Use professional resume paper (white, ecru, gray)
• Use the space on the page wisely!

Resume Don’ts

• Be too wordy
• Include anything negative
• Mix formats by being inconsistent with bold, italics, abbreviations, etc.
• Let someone else prepare your resume
• Let any errors through
• Use inferior paper or printers
• Use pastel paper, flower designs, photos

Source: Resume Do's and Don'ts 

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Financial Aid vs. Employment

As summer arrives, bringing sunny days, warm nights, and a marked lack of schoolwork, many graduating high school seniors are already looking toward the start of their college career. For most, it is a time of excitement, but their feelings are often hampered by the realization that they must find a way to pay for their education.

The prospect of borrowing $25,000 a year for at least 4 years is rather daunting, considering the fact that if the student has a job at all, he or she is probably making close to minimum wage. In reality, for many college graduates, student loans are the thing that most hampers them from having early success in their chosen profession. To cut down on the costs, students have several avenues from which to obtain money. The first and most obvious one is financial aid. Read full story here

Job Interview Tips

College students and everybody looking for a job, needs to have a leg up on the competition when applying for a job. The job interview is a critical component of the job process. Here are a few tips when going in to a job interview.

Dress appropriately. Do not be provocative. You cannot overdress. High heels should be avoided. Dress modestly. First impressions in a job interview matter quite a bit.

Don't take your cell phone or other electronic devices. If they go off during the interview, you may be sunk. Better to leave them outside. Read full story

Other Resources:

• Continuing Education Course Online 
• 6 Bad Habits that will Bring about Bad Credit 
• Great Ways To Manage Your Personal Finances
• Financial Student Strategies on Martin Luther King Day

Training Course Online

Who are the top candidates for acquiring online education? Anyone that would like to continue to an increased education can enroll in a web-based degree program. Many universities today offer online education programs for associate’s degree, bachelor’s degree, vocational courses and certifications.

Those that were expected to quit education in the traditional school setting unconditionally, like illness, injury or physical disability can certainly still continue through online studies. Students who’s education were interrupted simply because they needed to go on to another country can continue their learning regardless of where they relocated.

Bad Credit Car Loans: Advice on Getting One

Getting auto loans for people with bad credit is generally a difficult task. Lenders hesitate to trust individuals with bad repayment history. The world economic decline put many people in this position. You mustn’t lose heart in case you are one of these people. There are plenty of companies offering help to people with low credit ratings. Some lending companies also take the risk and give bad credit car loans to folks with low scores or people looking to rebuild their credit score.

You need to complete a few steps to have your car loan approved. These steps will boost your likelihood of getting the financing you need for a new car. Repay this loan punctually and you will improve your credit score dramatically. Read Full Story

Top Student Car Loans Resources:

• Tips When Trying to get a poor credit Student Car finance
• Car Loans for Students 
• How to Get A Bad Credit Student Car Loan 
• How to Refinance Your Student Car Loan 

Job Seekers: Why You’ll Need Continuing Education in 2012

Continuing Education Tips for Job Seekers

• Check out the free open courses that are available online.  MIT’s Open Courseware is a great example of what’s available. In open courses, universities and organizations publish course materials online. Those materials can include lectures, assignments, hand-outs, videos, podcasts, etc.

• Check out the continuing education department at a local college or university, which usually offer courses and workshop. Also, check out community centers or adult education programs. Like the continuing education departments, community centers and adult education programs are designed to meet the continuing educational needs of the community.

• Social networking sites are for more than selling services or handling customer complaints. Sites like Twitter are great platforms for individuals to build a personal learning network, which allows one to connect, interact, and collaborate with professionals and experts from here in the U.S. to those across the globe. A personal learning network is a powerful tool for staying current with what’s happening in one’s field.

• Check out video-based sites like Youtube. There is an insane amount of free content on Youtube. From lectures to panel discussions to conferences to interviews to webinars and vlogs, if you Youtube it, it will come. continue reading : Job Seekers: Why You’ll Need Continuing Education in 2012

Top 2012 Articles:

1. Good Credit Tips for 2012
2. New Year’s Resolutions for Student Credit Cardholders
3. Financial Health: Smart chips in credit cards
4. How you can Maintain your Personal Credit in Good Shape

How you can Maintain your Personal Credit in Good Shape

Keeping your own personal credit history who is fit ought not try to be an element of the New Year’s Resolution. It needs to be a regular regimen that everybody must follow. About this post, let’s take a closer look in the specific steps that you can do to build and look after a good credit rating.

Monitor your individual credit history.
Consumers possess the directly to receive one free report from each major credit bureau (Experian, Equifax, TransUnion) once every year.

Take note of your output deadlines.
Are you aware of all of your payment work deadlines? It’s crucial to cover your creditors promptly - whether it’s credit cards, that loan, or possibly a utility service provider (cable, internet, electricity, etc).

Don’t borrow over what you could afford.
Having a plastic card brings lots of convenience but it also involves serious responsibility.

Increase your own savings. 
See to it that you have enough funds stored to the rainy days Using this method, you no longer need to depend on private or commercial lenders for help during times when finances are tight. Stay with me

Samantha Wilson is a consultant for credit cards for students. For years she has written student credit card reviews articles that would help build student credits.

Credit Card Spending Increased Over Holidays

In a turnaround from last year, shoppers were not afraid to pull out the plastic this holiday season. Spending on credit cards jumped 7 percent in November and was up in the first half of December, according to First Data, a company that tracks consumer payment data.

The move back to credit is part of a strategy this year by credit card companies to get people spending on high-interest plastic, and also reflects buoyed consumer confidence. While the increased spending boosts a hurting economy, it also poses risks for shoppers.

And it's not just plastic that got a seasonal boost. Self-reported spending overall was up 4.1 percent for the period between Nov. 21 and Dec. 25 over last year, according to a recent data from Gallup.com. Americans spent an average of $78 per day over the five-week period. The data is based on weekly surveys of more than 3,000 adults in the United States. Read More

A good credit rating Strategies for 2012

Are you prepared to take care of 4 seasons 2012? It’s always good to begin the season right, specially when it comes to financing. Look at the following tips:

Check around and compare. 
If you plan to purchase anything, spend more time shopping. Compare prices online and don’t forget to look for the merchant’s reputation. The same rule applies for consumers who prefer to make application for a bank card or possibly a loan. Never subscribe to the 1st offer you see, regardless of how attractive the offer is apparently. Make an online search that compares bank cards and loan deals from various lenders.

Begin to build a crisis fund. 
It’s 4 seasons 2012 and for unplanned purchases. Avoid your bank card to pay for unimportant purchases. If you fail to pay off your monthly balance fully, you are going to incur any additional monthly interest charges as well as the additional fees which may quickly cause debt build-up.Monitor your credit report regularly. People are eligible to receive read full story

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Good Credit Cards – for people who already have established credit with at least 1 credit card or loan