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6 Tips For Efficient Student Loan Management

Higher education entails availing student loans and these are not clubbed as “bad” loans by management gurus. However every student needs to plan finances such that they get out of debt as soon as possible. The planning of a achievable repayment schedule should be the primary aim, this will lay the foundation to a strong unshakeable financial future.

Financial planning is the cornerstone to a safe future. So, read up on organizing your finances and create a workable plan. The internet is a wonderful resource for planning tips and will be the ideal place to begin.

1. Create a record of your loan liability. File all documents carefully and make a note of what you have agreed to: interest rates, payment schedule and so on. Create an easy to use record on your computer. File details of your loan applications, promissory notes, disbursement and disclosure statements and loan transfer notices.

2. Plan your expenditure carefully. Sit down and determine how much money you need for day-to-day expenses. Try and minimize expenses and avoid borrowing while a student. Even if you do use a credit card make sure you are able to pay the bill in full when it is due.

3. Learn how to curtail expenses. Share living expenses and food costs with another student, minimize eating out, and learn how to cook quick nutritious meals, wash your own clothes. Minimize clothing expenses by learning to mix-n-match clothes.

4. Get part time work to meet your money needs. Try and save a portion of your earnings to tide over hard times.

5. Study hard and win prizes and scholarships that will reduce tuition fees or gain you credits.

6. Request family members to give you gifts as cash instead of kind for birthdays and festivals. This will help you meet your expenses instead of owning many watches or sweaters.

It is when you are a student that you need to learn the importance of credit reports and scores. It is important to begin building a “shinning” credit report and score from when young. You must ensure:

o That the monthly payments are paid on time every time.

o You try are minimize costs by paying a higher monthly installment.

o Use the deferment and forebearance options only when you need them.

o That you consider loan consolidation only as a last resort.

o You inform the lender whenever you change your address or job.

o That you check all statements concerning your loan carefully and bring any discrepancies to the attention of the lender immediately.

o You inform the lender if for some unavoidable reason your payment is delayed or about to be defaulted. Be professional always and keep the bank or financial institution in the know.

Student loans can be managed efficiently if you: borrow only what you need; you do not use the loan to lead a “high” life but to educate yourself; and you learn the art of controlling your expenses.

Life must be lived to the …

Solutions to Fix My Credit Rating

A lot of people are unaware of the fact that they can fix their credit rating themselves and the truth of matter is that that no one shares the information openly. The reason is that there are many people making money from the situation but I will show you how you can get your credit on track by doing it yourself.

The key to getting your credit rating on track is understanding the different negatives on your credit report and how to approach each one. You may have collection accounts on your report, which simply means that the original credit sold the account to a third party, this company now has the right to try and collect payment from you.

These third party collectors purchase the debt for a fraction of what you owe and try and collect as much as of the original amount as possible. By law, collection accounts can stay on your report for only seven years after which time they need to come off.

If you have collection accounts on your report and they have not reached the seven year mark, then you can try negotiating with the collection company a lesser amount in exchange for them deleting it from your report.

This is a great way to clean up collection accounts on your report. Another way to start improving your credit rating is to begin to rebuild new credit. The formula used to calculate good credit includes new accounts that are in good standing. You need a couple of these accounts on your report to show that you are a good credit risk.

The best way to do this even if you have bad credit is to start with a secure credit card as well as cards that are designed to help you rebuild your credit. There are a number of these cards out there and I can show you how to get approved for them. …

Three Fundamental Tips On How To Succeed In Business

Do you want to be successful in business? This seems like a silly question to ask. It is like asking a hungry person whether he or she wants food to eat. Who does not want to be successful in business? Let us see some simple tips that can ensure success in your business endeavors.

Open a Bank Account:

Of course, there are various ways of receiving money. People can pay in cash, check, through debit or credit cards, or even through the electronic method. You will need to have a bank account to collect the funds. Therefore, opening a bank account is the first thing you have to do in business. You can start with a simple current account. As your business develops, you can ask for a line of credit from the bank.

Hire a good accountant:

You have done the first step. Now, you need someone to keep track of your billing and payments. There are two ways of doing it. One way is to handle things on your own. The second and more sensible way is to hire an accountant to do the job for you. Naturally, he or she should be adept at preparing financial statements, tax returns, etc. There are software programs to take care of these aspects. A good accountant should be able to manage the software programs as well.

Have a good budget:

Driving a boat in a calm sea is very easy. Anyone can do it. Maneuvering the boat in choppy waters requires tremendous skills. Similarly, every cash management plan may have holes in it. You never know where and how your money starts leaking. At the end of the day, you should have enough money in the bank as savings. You will have to have a neat budget to enable this. Without a budget, it is like driving a car blindfolded. You never know where you will crash.

Bonus Tip: Money Management:

In business, people measure success by the amount of money you earn. Hence, money management becomes the most important aspect of becoming successful in business.

You might be a product manufacturer or a service provider. It does not matter at all. It all boils down to the fact that you have to receive money for the value of your products or services to complete the chain. The challenge on hand is learning how to receive the money and how to grow it when you receive it.

Conclusion:

You have seen three simple tricks on how to effectively manage your resources better.…

Money Mastery – Three Easy Steps to Mastering Your Financial Destiny

When I was a kid I was constantly told, "We can not afford that; we can only get this; ask your dad if you can have that; you must save your money for a rainy day; start saving now for retirement." Do not get me wrong, I understand the intent of some of these messages and that they may even hold value for some people but I also have learned that these statements can lead to potential financial paralysis.

By hearing those statements over and over again, I developed what could have been my Money Destiny. That Money Destiny led me to believe I would never have enough money, that I must always save and never spend, and that I was not financially safe. These messages repeated themselves in my mind every time I needed to make a money decision or anytime I thought about money. Soon thereafter I found myself resenting the "mean green" and at times wanting to rebel against it. Thank goodness I realized one day that should I continue down this same Money Destiny road, I was destined to have just enough (not plenty) or none at all for that matter or worry about money constantly, and stay in the middleclass.

When I noticed how I was making decisions that would keep me in the same place and never propel me forward financially, I knew it was time to bust my old patterns, break debilitating money-habits, and create a new money system, a new Money Destiny. Doing this was going to take some mental, emotional, spiritual, and physical work, oh yeah, and financial work as well! It meant I was going to have to stop listening to what I had been told all my years growing up as a child as well as stop playing the "tape recording" of these messages over in my mind. It also meant I was going to have to buck this old system every time it flashed before my eyes! My intention in sharing this article with you is to help you break down your conditioned mindset and build it up with a new one that actually works with you and not against you. This is a mindset that YOU are going to create, nobody else will be creating it for you. Is not that exciting?

So what does mastering money look like? Mastering your money literally boils down to one thing: your mindset. Have you ever noticed that when your bills are paid off for the month and you have some extra "bread" in savings, you are just bouncing around the planet like you are rich (even if you are not)? However, on the contrary, have you noticed that when you do not have enough to make ends meet and you're struggling to figure out where the next dollar will come from to pay your rent or mortgage, you never seem to see the light ? And, have you ever noticed that you actually decided, either consciously or subconsciously, which …

Making Money Sports Betting Requires A Plan

Millions of people the world over bet on sports. Most of them have no idea what they are doing. They bounce from one system to the next hiring for some miracle that will win every time. Or they spend hours looking at stats hoping to find some intuitive edge they can bet. They would be better off flipping a coin, or not betting at all.

Making money betting on sports requires a plan. And that plan should not include reliance upon a betting system that promises you will never lose. Even the best picks lose about 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the time. Accepting your losses should be part of the plan. The goal is not to never lose, just to win more than you lose.

Winning requires that you pick the winner 53{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} or more of the time. That requires you bet only on games that have at least a 53{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} probability of going your way. In the NFL and NBA, known edges can be found in certain point spread situations. In other sports you must be able to identify motivated teams to bet on in advantageous situations.

However you decide to do it, making money betting on sports requires a plan to be successful. You can not do the impossible, so why waste your bankroll trying when all it really takes is smart betting?

Your plan should be to bet only on games where you either have a known edge, or very good reason to believe an edge is there. The best sports pick is nothing more than a guess that has at least a 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} chance of losing. Those guesses are not beyond the average bettor with a plan. …

Protecting Man's Best Friend With a Good Dog Insurance Policy

Anyone that is a dog owner knows just how important that pet is to the family. This is why it is a good idea to look into dog insurance. What this does is actually ensures that there will not be an issue with high costs of medical procedures that your dog may require. The simple fact is vets can be very expensive. While we all know how costly medical treatment can be for humans, people often become shocked when they see a vet bill.

If you love your pet and wish to enjoy them for as long as their natural life will permit, then you should do both of you a favor and look into this type of policy. Your dog will thank you, and you will have the peace of mind in knowing that you are there for them.

Costly Surgery

Usually one of the most expensive situations that a dog owner could face is that the dog may require surgery. If this is the case you can expect that it is going to be a cost bill to protect the dog in your life. If you have a good dog insurance policy, you can sleep easy knowing that your best friend is safe and well taken care of. The policy of this type usually will also cover boarding of the dog and any medicines or prescriptions that the dog may need to heal. This will keep the cost down and you will not have to fret wondering if you were doing all that you can to help them.

Even a small procedure on a dog can become a very large vet bill. How do you say that you would not pay a bill like this with a clear conscience? Take some time to look into dog insurance and make sure that you are never left with a tough decision.

Boarding

Boarding of a dog when you need to leave town can become a nightmare at times. The cost of having your dog in a Shelter while you are on a trip can become very high. With dog insurance, you can get the care and shelter you want for your dog while you are away. This coverage is excellent for someone that simply can not come up with the money within short notice to board their dog. The insurance company will help get this all sorted out, so you have one less stress to deal with before you leave.

If you can prove to the insurance company that the trip is an emergency based trip, you will more than likely not be required to pay the deductible for the cost of the shelter. This is where the dog insurance is going to be helpful. They will cover the costs and you will not be paying out of pocket for the care of your animal. This alone is an excellent reason for you to look into this type of insurance policy for your dog. …

Scam Busting – How to Avoid Scams and Make Money Online

The internet is a world of opportunities but also it is a world of scams. If you are going to be successful online, you'll need to know how to separate money making schemes from pocket emptying scams.

Here are some useful tips:

Use Search Engines

If you come across any program you are interested in, before committing your money to it. Type the website or the name of the program into a search engine [eg Google, Yahoo or MSN Search], you should get results form it if it is a popular program and you will be able to get a general feel of how people perceive the program or site.

One thing I usually do, which helps me get meaningful result is to put scam in front of the program. For example, if I want to verify if a program called "easy money maker" is a scam or not, I'll type "easy money maker scam", I will get a list of results where people are either complaining about the program being scam orraising it for not being a scam. Try it with and without the quotes to get the best results.

Note that this is to give you a general feel of people's perception of the program; some people are just plain lazy and anything requiring a bit of work before results they will quickly label scam.

Use Forums

To determine the authenticity of a program or money making scheme, join good forums where money making skills and programs are discussed. Money making forums, work at home forums etc will give you a good result. Ask around in the forums for anyone who has invested in the program or has second information about it.

Money making opportunities abound online but there are also many scams out there, that was why I started MoneyMakingOnline.org to help people tell the difference and make a wise and informed choice.
Follow the above tips and remember when something looks too good to be true, look hard before you take a leap. …

The Four Money Quadrants: Teaching Kids Good Money Habits They Can Live With

As Teachers, Parents, Grandparents, Godparents, Friends, etc. it is our job to teach children good financial habits as early as possible by demonstrating to them how to properly distribute their money. After all, children are our future. The lesson here is to teach your child not to live their lives from check to check or above their means, but to live in a happy balance. By getting your child into the habit of dividing his money into four specific categories (Spend, Save, Donate and Invest), he will grow up to be more responsible with his finances, so, possibly not adversely affected by any bad economic times.

The trick is getting the percentages right. Some good numbers to shoot for in adulthood is Spend 70{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, Save 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, Give 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and Invest 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. For youngger children the Spend percentage should be much lower whereas the Invest percentage should be much higher – of course it will be different based on the individual!

Spend: Teach your child to spend a percentage of their money. Do not teach your child to be a miser with their money, for this can lead to negative associations with money. Teach him to celebrate his achievements and enjoy the fruits of his labor. Allow your child to spend their money on anything they want with this portion of the money (within reason) can be a great self-confidence booster. As an adult this portion will be used for living expenses including the necessities like paying the mortgage, car payments, insurance premiums and buying food as well as for entertainment needs.

Save: Teach your child to save a percentage of their money for larger ticket items that they can not immediately buy like a digital camera, a laptop or even a car. This can teach the importance of goal setting and the virtues of patience and of delayed gratification. As an adult this portion would be your liquid money that may be called the "Emergency Fund", the "Rainy Day Fund" or even the "Saving up to finish the foundation Fund". It is very important to have that extra savings on the side for any unexpected expenses as well as for any expected future expenses.

Donate: Encourage your child to give a percentage of the earned income to charity. Teach him the joy of giving back and helping others. Also, there is actually scientific proof that giving is good for your health. I do not claim to be a scientist, however, apparently when you give; you get a good feeling, and that is because endorphins are released in your body. This release of endorphins is supposedly to be healthy. Besides the health benefit and the fact that it is the right thing to do, you will be bringing up a compassionate person that will not be "all about me." There is a great quote by Jim Rohn that states, "It's best to start the discipline of generosity when the amounts are small. . "

Invest: Help your child invest a percentage …

How to Start a House Cleaning Business on a Tight Budget

"If you use Emotion and Love to drive your sales and your business, you will create Loyalty Beyond Reason. And I promise you, you will build relationships and enjoy a business that exceeds beyond your wildest expectations"

First of all, before you decide to start your cleaning business, make sure this kind of work is right for you. You will need to be in good physical condition. Cleaning is very hard strenuous work. You will need to have good customer relation skills. You will need to have basic office skills and some accounting skills.

If you are planning on leaving your full time position to start a cleaning business, make sure you have at least six months of savings. Or keep your full time job and start out part time.

Research all the aspects of the cleaning service business. From customer service to advertising, taxes, employees, insurance and bonding, what to charge and how to clean a home professionally. Cleaning your own home and cleaning professionally is totally different. Learning how to clean professionally takes a lot of time. When a client pays for your services they expect to come home and find their home spotless.

Getting those first clients takes time, persistence and patience. You will not get a hundred clients overnight.

Obtaining Those First Clients The hardest part of starting your own cleaning service is obtaining those first clients. Most clients want to know how long you have been in business and want references. The best thing to do is let clients know that, yes, you are new to the business but that you have thoroughly examined all aspects of the cleaning business and assure them that you know what you are doing and that you are quit capable of cleaning them home to their specifications. Be confident. I can not stress this enough. Clients love to see confidence. It relieves their worries and lets them know that their home is in good hands.

References: To get a few good references when starting out, ask some friends or family members if you can clean their home for free or at a discounted rate. The sound of working for free may not be appealing but it will be worth it to get some good testimonials.

When cleaning those first homes, go for quality, not how fast you can clean the home. Cleaning efficiently takes a long time, but you will get to the point where you can do a thorough cleaning in a short time. After cleaning make sure you go back and double check all rooms to make sure you did not miss anything. Impress those first clients and word of mouth will spread soon.

Advertising Your company image is everything. Before you start advertising, decide what image you want to portray on your advertising material. Your image is very important. Be consistent with all your advertising. If you have a logo be sure to use it on all your advertising materials. I think it is best to …

Ways to Work Online at Home

Ireland is one of the few countries that are not yet fully aware of the many income opportunities from the internet. But because the whole world is experiencing recession, even the Irish people need to make money on the side to make ends meet.

One good way to earn extra income to sustain the costs of living is to work online at home in Ireland. This may be a new practice to the Irish, but it is really going to help them make a living. There are different options to choose from. Freelance writing jobs are available; They can range from writing, web-designing, marketing, transcription, and data entry. There are several different virtual companies that focus on operating and renting within the country. Any Irish can take advantage of this opportunity.

Affiliate marketing is another way to work online at home in Ireland. This is a bought-after part-time job because it does not require you to take your full attention to the job. When you become part of affiliate marketing, all you do is advertise a company's products in exchange of commission. You must have a website that can host advertisements and banners of the company you sign affiliation with.

If affiliate marketing is not at all appealing to you, you can always resort to online paid surveys. It does not matter what country you are from, survey websites need and value your points of view. All that you really need to do is answer a survey – give your feedback and honest opinion, and you will be paid for doing so. …