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Facing the Homeschool Super Mom
I know this Mom. She homeschools her 5 children, plus she tutors several other children that are dropped off at her house. AND she's a Pastor's wife. AND she's working on fixing up the fixer-upper they just moved into. Whenever I've been in...
Life insurance, the universe and everything
If you have yet to consider taking out any life insurance, don't worry -there's plenty of information out there including consumer organisations such as which? and moneynet. Start with some simple, easy questions such as:
* Would my dependents...
Nurtured by Love or Matured by Nature?
“There is nothing new under the sun,” states Ecclesiastes 1:9. This is certainly true of the nature-nurture debate, the modern name for the ageless argument about the importance of learning in the development of the child. While...
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Why Student Loans Are Better Than Credit Cards
You need some more money for college expenses this semester. Do you whip out a credit card to pay for your books, or do you apply for a federal or private loan? Well, consider the options –
- With a federal loan, your interest rate will be low (around 5%) and your payments will be deferred until 6-9 months after graduation.
- With a private loan, the interest rate will be slightly higher than with a federal loan but will still be lower than average. In addition, you will only need to make interest payments until after graduation.
- With a credit card, on the other hand, the interest rate can be as high as 21%. Interest begins accruing almost immediately, and you need to begin paying off the bill the next month.
This is not to say that credit cards do not have a place in your college life. It is good to have one national card (Visa, MasterCard, Discover) on hand to help you build a positive credit history and to provide security in emergencies. When you decide to apply for a card, compare annual fees, interest rates, and introductory
offers. And to keep yourself out of debt, try to—
- Pay your balance each month to avoid interest charges
- Pay your bill on time to avoid late charges
- Avoid cash advances, which come with large finance charges and interest that begins accruing immediately.
This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more on how Student loans are better than credit cards at http://www.NextStudent.com.
About The Author
My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.
http://www.nextstudent.com/
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