Yuletide Shopping Tricks for College students

Numerous young people enjoy shopping specifically when preparing for the holidays. If you’re a person, how can you survive the holidays without getting stuck in holiday debt? Consider these Christmas store shopping guidelines:

Create a gift list. Who're you planning to give presents to for Holiday? Don’t really feel bad if you can’t provide gifts to everybody you understand. You can still display the character of generosity and love in many methods apart from supplying material things.

Set a funds for each person. For each person on your list, decide precisely how much you are ready to spend before looking for the perfect gift. Consider the person’s interests and passion prior to buying a gift. Bear in mind, a gift doesn’t need to be overpriced in order to be special. Read More:


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8 Hot Green-Collar Jobs for Earth-Conscious Grads

As the world deals with global warming and a growing demand for energy, the green movement has moved beyond a fringe fad to become an international initiative. Green industries and “green-collar” jobs are on the rise as businesses and governments face an increasing pressure to protect the environment. If you’re an eco-minded grad, here are eight of the fastest up-and-coming green jobs, where you’ll be able to earn a paycheck while doing your part to save the planet.

Carbon Trader

Carbon trading, currently active in Europe and Japan, is likely headed to the United States within the next five years. The carbon trading market is currently estimated to be worth a little over $6 billion. As carbon trading expands to the United States and other parts of the world, the market could grow to $500 billion by 2050, according to a Deutsche Bank report. continue reading

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The way to Wisely Make Use Of Your Undergraduate Credit Card for a Christmas Trip

For many people, special occasions is usually a time to go rest, to go on a vacation, or visit relatives who reside overseas. Do you think you're a student who lives at a boarding school, a distance out of your family? If so, then you certainly are certainly getting ready to get home and spend the holiday seasons with your loved ones.
On this page, let’s give attention to easy methods to make use of your student credit card to your advantage if you’re going on a christmas trip this year:

1. Get rewarded.
2.Experience the perks.
3.Watch out for currency conversion fees.
4.Check your balance.
5.Be ready to pay your bills. 


continue reading : How to Smartly Use Your Student Credit Card for a Holiday Trip

Student Credit Card Strategies for the holidays

For those who own students credit card, take advantage of the following tips as your guide on how to spend smarter this christmas season and prevent post-holiday frustration brought about by bad debt.

Look for store cards. Many retail shops provide special deals through the holiday season to encourage customers to register for an outlet card. As you move the chance for you to save 10% to 20% on expenditures may be a good idea, however, if you’re just getting one to go shopping for Holiday, ignore obtaining a store card. Having a store card in your pocketbook will only tempt you to spend too much as well as the penalty fees are recognized to become steep read full story


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New Credit Card Choices For College Students

Three ways for students to build credit under new regulations.
For years credit card companies have seen college students as easy marks. Impressionable freshmen can barely walk across a campus quad without being accosted by marketers hawking Visa and MasterCard accounts with high credit limits.

The result: The average college student now has 4.6 cards and a record balance of $3,173, according to a recent study by Sallie Mae. What’s more, only 17% of college students pay off their cards in full every month, meaning that a lot of scarce student resources are going to interest charges, the study found.

For many students, the days of loading up on plastic will come to a close Feb. 22, thanks to legislation passed last year. Under the new law, people under 21 will be prohibited from taking out a new credit card unless they have adult co-signers or are able to prove that they earn sufficient income to service the debt. Even college students 21 or older are likely to face fewer card pitches because the new law forbids issuers from offering free merchandise on campus or at college sporting events. Read more....

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Do college students really need a credit card?

This guest post comes from J. Money at Budgets are Sexy.

Did you know that the average credit card balance for students is at a record amount of $3,173 right now? And that half of all undergrads have four or more credit cards? That's like one for every year you're actually legally allowed to have a credit card.

That information and the following questions came from my friend Miss Lissy, and parts of my answers were previously published at her university's paper, Wolfprint Online. I hope my answers help you.

Do you think college students should worry about having a credit card? 

That's hard to answer without knowing specifically who we're talking about here. Some people are great at managing credit cards and even taking advantage of the perks credit cards offer us, and others should never ever even touch plastic. It all depends on how good (or not) you are at avoiding temptation and behaving yourself. (Kind of like beer in college. Some can party like no other and still get straight A's, and others just fail miserably when they get around the keg.) Read more.....

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Ten Easy Ways to Save Money During College

If you're a college student that's strapped for cash more often than not, you'll quickly learn how college days offer their own education in Personal finances 101---and really learning the value of stretching that dollar. Shopping at the Dollar Store, learning the art of the ramen noodle, and thriving in frugal living are just a few well-learned lessons. Still, there are many ways to boost that savings account and enjoy a debt-free lifestyle; here are ten easy ways to save money during college:

1. Track your weekly expenses on a spreadsheet. Turn to the good ol' Excel spreadsheet and start logging in those pizza nights, video rentals, and photocopying expenses. Keeping a close eye on weekly expenses makes it much easier to spend less, and is a good money habit beyond graduation. Read More....

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Teaching Kids Personal Finance in School is Common Sense

COMMENTARY | Earlier this month Education Secretary Arne Duncan warned a special advisory panel that many Americans have a real problem understanding basic financial concepts. Duncan went so far as to say, "to continue to have a population that is relatively illiterate in these matters I think has real negative consequences to our democracy." He also stated his belief that the current financial crisis is due in part to a poor understanding of personal finance, and suggested as a solution to teach personal finance in public schools as early as kindergarten.

I think Duncan is onto something. Indeed, a 2009 government survey showed that 7.7 percent of U.S. households were "unbanked," meaning they read more

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Starbucks to open U.S. juice bars in 2012

(Reuters) - Starbucks Corp plans to start a chain of juice bars starting next year, venturing into territory staked out by Jamba Inc , in its biggest-ever expansion beyond coffee.
The world's largest coffee chain, which has made no secret of its ambitions to expand beyond its staple business, said on Thursday it bought juice company Evolution Fresh for $30 million in cash.
Chief Executive Officer Howard Schultz hopes buying Evolution Fresh, whose products are sold by a handful of retailers, including Whole Foods Market Inc , will give the company a meaningful foothold in the estimated $50 billion health food market.

The first juice bars will open on the U.S. West Coast around the middle of next year, but the company would not say how many were planned. The chain's name has not been revealed and it was not clear whether Starbucks' familiar Mermaid logo -- which recently dropped the word "coffee" from its design -- would be displayed in the stores, which also will sell food. continue reading

Christmas holiday Spending Methods for Students

Source: Google

Special occasions is a merry time for the whole family. For college students the months of November to December are filled with festivities, parties, and best of all school-break. College students excitedly get prepared for these occasions, have fun with time with family and friends.

If you’re a student, are you prepared to face the holidays? How about your wallet? In this particular post, we present holiday spending suggestions about the best way to have fun with the celebrations with no guilt and stress brought on through bad debt.

Have a part-time job. Have you considered getting a part-time career this holiday break? The money you'll generate can help you fund your charges instead of taking out from your savings or charging expenses to credit. Numerous retails stores and restaurants are hiring during the holiday seasons so getting hired should not be difficult at all. Read more

4 Ways Student Loans Can — and Can’t — Affect Your Credit Score

Student loans are becoming more and more unavoidable these days, considering the poor economy and the skyrocketing cost of college. If you’re taking out a student loan, you may have heard one or more rumors about what student loans can do to your credit score. While your credit score is important, we assure you that taking out student loans won’t trash it while you’re busy studying. In fact, here’s four ways that student loans can — and can’t — affect your credit score. Just be sure to make timely payments on your student loans when they come due. Because if you don’t, you will damage your credit score.

1. Paying off your loan early won’t hurt your credit score
Some of the biggest credit score myths about student loans have to do with what might happen if they’re paid off early. A common myth holds that if you pay a student loan off early you’ll save money in interest payments but negatively affect your credit score by making the loan length, or “age,” appear younger. But that simply isn’t true. Although it’s true that the average age of your credit accounts can have an affect on your credit score — namely, the higher the average age, the better — the status of an account (open, closed, paid, unpaid) doesn’t affect the age or your credit score continue reading