An excellent Financial Management for Students!

It may not be affecting you directly, but the recent economic turbulence (which is supposedly heading for disaster) is just an example of what you may be facing the day you graduate and enter the job market. And, as those affected by the current economic crisis may tell you, now is probably the time to look at how you spend your money and to be more critical on those decisions you make which could affect the course of the rest of your life. Take debt for example, something which seems fine initially because you have a job (hopefully) and therefore will be able to afford the monthly installments or go to www.positive-idea.com But did you consider the other things you might be spending on which will add to your monthly expenses? Probably not.

The following will serve as a basic blueprint of financial management for students those still at school and those at college or university. Create A Balance Sheet

Now is the best time to explore the basics of financial management. First and foremost is the use of a balance sheet detailing the various incomes and putting them in contrast with the various expenses. Which one is greater? Are you already in debt? Oddly enough, most people recoil in shock when they put things down on paper for the very simple reason that spending is more of a continuous thing that a once off payment. Would you pay $8, 000 for a car this minute? No, probably not. Would you pay a monthly installment of $100 for the same car right now? Its the same way with spending: a myriad of little things accumulating over a period of time which could put you in an awkward position. What You Need vs. What You Want

The bliss about being a student is that those things you need to spend money on are often less than those things you want to spend money on. But, when work starts and the responsibilities start mounting, these two soon switch around leaving many people unprepared for the sudden change or visit www.change-ur-mind.com Along with your balance sheet, make a list of things you really need like housing, food, travel expenses, medical expenses, etc. Budget

This is probably one of the last things you want to hear, but budgeting could set you on the road to riches faster than you think. This can be explained with the maxim: It takes money to make money. Saving now will give you that financial edge which could take years to reach before you are in a position to invest in those opportunities which capable of adding multiple digits to your bank balance.

As a final tip, and probably the most important one, educate yourself on the consequences of not having effective financial management strategies. Examples are abundant and will help you realize which mistakes not to make so that you may reach the top sooner.

Pebble Hills University Online Degree

In order to deal with the competitive market, working adults are keen to study. You must try to inculcate the skills of selection and maintenance of aim in life. While devoting your energies in pursuit of academic excellence, considerable efforts should be made to spiritual development. Since, in the times of stress, this would provide you the much needed inner strength to carry on with your mission.

Prof. Muhammed Ayinla Omolaja, the President of International College of Management and Technology (Nigeria) and regional director of PHU, Nigeria, claimed that it is the universality of the institution in its approaches that is fetching it so much popularity in recent time among education lovers over and above regional Universities the world over.

Learn to hold on to what you believe is right and just. Be gracious enough to accept your mistakes and resolve to improve. Humility never demeans a person rather it elevates him. Take each difficult head on and see it as an opportunity to learn and excel.

The best study mode for working adults would be distance learning, which is practical for them to balance their work, family and study.

The overriding philosophy of an outstanding distance learning University is to prepare managers, administrators, scientists, engineers, technologists and agriculturists for critical tasks of the moment and for the future. This objective will be met by providing a foundation on which students can build and grow after they graduate; a foundation sufficiently general to be relevant to a broad range of management, social and technology contexts.

Dr. Patrick A. Welsh, the Principal of Caribbean Institute of Business expressed that Pebble Hills University has opened up another door, creating another chance for success for those students in Jamaica who would be left behind by not having a BSc. or an MBA. (Pebble Hills University is a global online university)

Global business is expanding, thats why you need a global institution with a radical outlook towards education. Due to an education system based on real world values, the knowledge gained can be incorporated easily & more practically in the relevant field.

According to Prof. Manfred of Pebble Hills University, the highly diverse community at the University consists from many cultures, nationalities and religions offers students a unique environment and a great experience. Also the students who enrol in to study programs can complete them in their local campus. Also they have the option of completing the selected study with PHU directly, online.

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Cheap Travel For Students

Students are always looking for the best travel deals so that they can travel around, relax their minds and enjoy their vacations but by paying a little sum of money. The students are such people who usually do not have much money and they would want to save as much of their money as possible. These students can easily purchase their travelling tickets from the online travel agencies in order to get the maximum discounts and other great services which allow them to save money while still enjoying the trip to its max. The students can easily get the cheapest tickets to their favorite destinations and can also get the cheap hotels and many other tickets for the best places and events going on at their favorite location.

There are great and huge discounts offered to specially the students by the online travel agencies and they also offer them with heavy sums of the cash rewards which the students can use for purchasing different items or the tickets of different events or shows. These cash rewards are usually very high as compared to the amount which they have paid at the start. There are also some companies that offer the $500 cash back program which is perfect for the students as they only have to pay for example $100 and for this payment they can get cash reward of $500. This means that they not only get their own money back but also get a reward in form of the cash worth 400 dollars. This extra cash can be easily sued for purchasing different items such as the iPods or other items that are needed by these students. They can also use them for going to any particular location such as they can have the free tickets for the ski spot and can have the maximum fun without actually paying anything for the ski.

With the help of these rewards, the students can also stay at the hotel of their choice for free and can move around the city by paying nothing to the car rentals. They can have tickets for different place in lesser amount and can stay in the best places of the town. The cash can be used for also dining at the greatest restaurants of the town and for the best shows happening in the area. The students are very important for any nation and their comfort is also very much important. This is the reason that the travel agencies have offered huge discounts for the traveling of these students.

How To Consolidate Student Loans – Federal Versus Private Loan Consolidation

Student loan consolidation can be used by student or parent borrowers to combine their multiple education loans into one loan with one monthly payment. As any student can take either federal or private student loans, he or she can also take a federal or private consolidation loan to make the education debt more manageable.

Both federal and private student loans offer significant benefits, but federal loans offer borrowers many benefits that don’t come with private loans; for instance: low fixed interest rates, income-based repayment plans, loan forgiveness and deferment options. While some private lenders may offer them too, it usually is associated with some strings attached.

For those reasons, every borrower should always exhaust federal student loans options before considering a private loan. The same advice applies to consolidating student loans – always look at federal consolidation loan first and only if you don’t qualify for a federal loan of it is not the right choice for any reason, and then seek a private consolidation loan.

It is important to remember that a federal student consolidation loan can’t include any private loan. Moreover, if you consolidate your federal student loan into a private consolidation loan, you will lose your federal borrower benefits mentioned above (unless you private lender tries hard to get your business and includes them in the offer).

There are important differences between federal and private student loan consolidation.

First of all, with federal student loan consolidation, you will have a fixed interest rate, while private student loan consolidations are credit-based, which means that your consolidation loan rate will not be locked – it will be variable. So, while you will not have to go through credit check in order to apply for a federal consolidation loan, you will need it to secure a private consolidation loan.

Student loan consolidation rates are determined differently for federal and private consolidations. The interest rates for federal loans are set according to a formula established by federal statue. It’s a fixed rate, based on the weighted average of the interest rates on each of your loans at the time you consolidate, rounded up to the nearest 1/8th of a percent and capped at 8.25%.

As private student loans are not funded by the federal government, they are subject to the terms determined by each individual lender (bank, credit union, other financial institution) and the market competition. In private student consolidation loans a borrower’s credit is the primary factor in the variable interest rate offered to the borrower. As the base for setting the consolidation loan interest rate, the private lenders most often use the Prime rate or the 3-month LIBOR Rate, to which they add a margin. That margin varies from lender to lender and is applied according to the borrower’s credit rating.

With regards to the interest rate on the consolidation loan, it’s typical for both federal and private consolidation loan to include 0.25% rate reduction for automated debit payments.

South Carolina School For The Deaf And Blind

The South Carolina School for the Deaf and Blind is located on a 160 acre campus in Spartanburg. The school is the only specialized facility in the state for this student population. In addition to its programs on campus, the school offers outreach programs for visual and hearing impaired students throughout South Carolina.

The School for the Deaf was founded in 1849 as a private school for the hearing impaired. The School for the Blind was established in 1855. In 1977 Cedar Springs Academy, a special School for the Multihandicapped was added. This school serves students who have other disabilities in addition to being hearing or visually impaired. There are no tuition fees for students other than a $40 yearly activity fee. The school receives state and federal funding for its operating expenses. The Walker Foundation is a non-profit organization that supports the school and its programs.

The School for the Deaf enrolls children beginning in preschool. Communication skills for these students are enhanced through the teaching of American Sign Language. The School for the Blind enrolls preschoolers who are blind or significantly visually impaired. Tactile development is enhanced through many hands on activities. Educational programs are tailored to meet the individual needs of each child. Day school students ages 3-21 attend classes on campus and may participate in a variety of additional after school activities. Free bus transportation is provided for local students. Sports programs include basketball, football, soccer, volleyball, wrestling, cheerleading, and track and field. Students ages 4- 21 who reside outside of the Spartanburg area may live on campus. Independent living skills are stressed so that students can learn to be self sufficient.

The South Carolina School for the Deaf and Blind has statewide outreach programs that focus on early intervention, targeting children from birth to age 3. Other services include a Braille and large print distribution center, sign language interpreters, and visual and hearing services in the South Carolina public schools. There is a cooperative mainstreaming program that allows students to take advantage of services offered by the School for the Deaf and Blind while taking courses at local public schools. A vocational facility trains students for career and job opportunities. At age 13 students begin career awareness classes. High school students have the opportunity to work on and off campus. There are also some training programs in partnership with local businesses and industries.

The South Carolina School for the Deaf and Blind is located at 355 Cedar Springs Road. Campus facilities include a swimming pool, running track, playgrounds, and a bowling alley.

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