May 17

Why do credit card companies target college students

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Many credit card companies see the marketing potential in college students. Credit card companies use promotional offers and free gifts like t-shirts, coffee mugs, or CDs to entice students on signing up for their company.

Have you ever asked why? Loyalty is a good reason. Credit card companies are competing to be the first credit card that the student will own. By being their first credit card, it is very likely that even when they graduate from college and enter the corporate world, students will be upgrading their credit cards with the same credit card company.

Students are Big Spenders
Aside from this, college students are great spenders. Lets face it, credit card companies love customers who spend much using their credit cards. The more a person uses his credit card, the better it is for the business. And students are usually prone to over spending or using their credit cards excessively not just for their school necessities but on luxuries as well.

Despite the fact that college students are still in school and most do not have stable jobs to finance them, credit card companies are still doing everything to encourage these students on obtaining a student credit card. Furthermore, credit card companies are encouraging students to use their credit cards as often as they can.

Regardless of whether a student can afford to pay it or not, credit cards are willing to take the risk. Why? Because they can simply charge additional costs on the customers account if they fail to make their payments on time. For instance, credit card companies profit from charging interest rates and penalty fees on their customers. Obviously, customers who fail to pay their balances promptly pay more even if it takes them some time to repay their bill. In the end, the credit card company is still the one who benefits.

Students Need Credit
It is also interesting to know that students will do everything in order to repay their credit card debts. Although, students may fall behind on their payments, they will still find some way to pay off their debts especially as they are about to graduate and find employment. Students may get a part-time job, get a student loan, or borrow from their parents or relatives the money to get off their credit card debts.

Students need to clean up their credit report from any unimpressive records. They need to boost their credit rating so that future employers and creditors can find them worthy of their approval. Thus, credit card companies know that whatever happens, students will find a way to settle their credit card debts sooner or later.

In view of this, it is up to the students on how they will use their student credit cards to their advantage. Credit card companies do not have to be the only ones to profit. A student credit card can provide great help and support during a students college years as long as the student knows how to manage his finances responsibly.

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May 17

Private Tutor And School Teacher In Singapore

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Teaching, whether it is private tuition or public school teaching, is a highly respectable and important profession worldwide. Educators play a vital role in teaching the next generation of people and advertently creating an advanced society. This explains the relatively high salaries educators earn globally. In Australia, a beginner teacher’s salary is roughly US$41,109, while the average beginner teachers salary in the United Kingdom is US$34,488. During a recent admission talk by the National Institute of Education in Singapore, the speaker mentioned that the top income earners in Switzerland, South Korea and Singapore are also teachers.

Therefore, educators in Singapore are highly responsible in moulding students futures. However, there is a stark contrast in the degree of responsibility between a private tutor and a MOE school teacher. While a private tutor focuses only on the subject he teaches, a public school teacher finds himself caught up with other duties such as handling CCA, meeting expectations of the school and handling the well-being of students while projecting a professional image simultaneously.

Yet the irony lies in the fact that despite having a more hectic work schedule than a private tutor, some claim that school teachers are not doing enough. For instance, some suspect that it is precisely because junior college teachers are too busy with other tasks that they fail to deliver a good job in providing H2 Mathematics tuition and H2 Physics tuition. As such, the expectations of a top tutor have often been modelled after private tutors instead, who may be more specialized and knowledgeable in these subjects.

Many families in Singapore spend hundreds monthly to register and engage their children for private H2 Mathematics tuition and H2 Physics tuition, some of which provide more innovative methods for students to excel. In reality though, the meagre 2 hours spent weekly with the tutor can only be more effective than the many hours in school if the students themselves fully utilize the time for enrichment rather than merely repeating the concepts which have been taught in schools.

Nevertheless, the status of school teachers must never be relegated to the backseat as they provide the benchmark for private tutors and students alike. While it is essential that educators maintain their role as top tutors as far as possible, students should not rely and expect to be spoon fed by them, but instead take the initiative to learn and improve their grades.

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May 15

An excellent Financial Management for Students!

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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.

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May 14

Cant Repay Your Student Loans 5 Ways to Get Help.

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For college students, November and December are filled with research projects and final exams. For recent graduates, however, these months can be exceptionally stressful, especially if a post-graduation dream job hasnt materialized on schedule. For graduates who left school with debt from student loans, November and December can be a month of reckoning.

Government-issued federal student loans and many non-federal private student loans grant students a six-month grace period after they leave school before they need to begin making loan payments. For students who graduated in May and June, then, those college loans come up for repayment in November and December.

And if youre a graduate whos caught up in the current recession and the highest unemployment rate on record for new college graduates, you may be getting your first student loan bill having no idea how youre going to make the payment.

Just ignoring those student loan bills isnt going to help. Defaulting on a federal student loan is no light matter. The government can step in and garnish your wages, once you get a job, or seize any income tax refunds you may have coming to you in order to put money toward your student loan debt.

Both federal and private student loans are nearly impossible to discharge in bankruptcy, so your student loan lenders can keep coming after you for payment, even if a judge declares you bankrupt and wipes out your other debts.

All your student loan accounts appear on your credit report, so your credit rating is also at risk. Repeated late and missed payments on your student loans will drop your credit score, will linger on your credit history for years, and can have a lasting impact on your ability later on to qualify for anything that requires a credit check. You may not be able to get a credit card, take out a car loan or home loan, rent an apartment, or even get a job — more and more employers are conducting credit checks on job candidates as a measure of your responsibility and maturity.

Clearly, keeping your student loans current needs to be a priority, for the sake of your credit and the health of your financial future. Whether youre a newly minted college graduate or a longtime borrower whos now having some financial troubles, if youre facing student loan payments that you cant afford, here are five ways to get help now.

1. Contact your student loan lenders. Whether youre approaching the end of your grace period or youre already in repayment, if you know that you dont have the ability to make the payments on your student loans, contact your lenders immediately, explain your situation, and see what they can do to help.

For your federal student loans, the U.S. Department of Education can grant you additional periods of deferment or forbearance if youre facing financial hardship. With a government-approved deferment or forbearance, your student loan payments are postponed, with no adverse effect on your credit.

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May 10

Yoga Training Certification, Online Yoga Teacher Certification Programs

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Tips for Choosing the Best Online Yoga Certification Course for You
If you are overweight or have poor health, then join a Yoga Certification class to learn these ancient yoga techniques. Now days, performing yoga postures is easy, but if you dont know how to perform the postures perfectly the way it should be then you are surely in a need of a Yoga certification course. Yoga is a perfect blend of breathing exercises and meditation and has been followed since many years. With the super hectic work schedules and daily routine life the level of stress is on its peak and so the need for Yoga has also risen. But how to learn yoga postures perfectly?
This is where we are in a need of online yoga certification courses. With the increasing popularity of online yoga courses, the demand for online yoga teacher has also risen. But in order to be a good yoga teacher, one should be well-aware of all yoga postures.
This certification course will help you learn the technicalities of yoga and enhances your know-how about yoga postures. Additionally, online yoga certification course raises the chances of becoming a good online yoga teacher and other opportunities related to this field. Following are some of the best tips which can help you find the suitable online yoga certification courses as per your budget and needs:
vFirstly, you need to do a thorough research and collect relevant information about the budget of these online yoga certification courses from different sources. Thereafter decide which one is the appropriate certification course for you.

vSecondly, try to take a demo online yoga class so that you can understand and pick the style of the yoga teacher.

vAlso be cautious about the online yoga certification program you opting for are authentic and taught by certified online yoga teachers.

vAvail the special discounts or scholarships and save your money.
After considering all these relevant facts, one can easily decide which certification program is appropriate for them. Some of the admired yoga certified programs are Vinyasana Yoga, Local Yoga Kripalu Yoga, Anusara Yoga etc. Collect all the relevant information about these online certification courses and then enroll for the program. One can find this relevant information about online yoga program. If you are looking for getting enrolled to an online yoga program then there are many sources available online who can provide you all the essential details.
In addition to all the above mentioned sources, there are different institutes that offer regular online yoga classes, so that you can acquire ample knowledge from them and adopt online yoga teacher programs as their profession. Yoga as profession and as a practice to stay fit is the growing trend in now days and online yoga teacher training has become imperative. Besides escalating the professional opportunities for individuals these online certification programs, have also boosted their know-how of the yoga postures.

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May 8

Burmese Language An Asset to Learn for Language Students

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Burmese is the official language of Myanmar or Burma, and it is spoken by approximately 65% of the Burmese population. Although Myanmar or Burma has approximately one hundred spoken languages, most of these languages are spoken by ethnic minorities.

In Myanmar, Burmese is the primary language of instruction, while English is the secondary language that is being taught in schools. Interestingly, using minority languages in education and government is discouraged and has been not approved; but minority languages can be of course be used at home.

The Burmese language is intriguing, and sometimes foreigners, including language students may confused about the rich heritage of the Burmese language. There have been controversies about the name of the country since the 1930s. In the Burmese language, the country Burma/Myanmar is known as either Myanma or Bama. Military regime thinks that Myanma is more inclusive of minorities than Bama, thus, they gave the Burmese country a new name Myanmar. However, many of the minorities who do not speak Burmese believe that the name Myanmar is actually disrespectful, so many of the Burmese today are still accustomed to the name “Burma” as the most appropriate name of the country.

Burmese may not be the hardest language in the world; however, learning how to read and write this language may involve oddities and difficulties while learning. One of the interesting facts about the Burmese language is that almost every syllable has its meaning in Myanmar language, such as the names of towns and people.

Learning Burmese needs a lot of effort; it does require a combined effort between the teacher and the learner. Burmese culture is embedded in the language itself, and should be given special attention in the process of language learning. This is to ensure that language students will understand and respect the cultural differences between languages.

The Burmese language may not be a major language and has no tremendous linguistic status in the international arena; however, learning this language is an investment, a good asset to complete anybodys academic career.

Although the dominance of the English language is widespread all around the world, it doesnt entirely necessary mean that the vital significance of other languages like Burmese language should be neglected.

Language learning will help students to have a future and a career not only in the translation and interpreting industry, but also it generates major benefits in the working skills of language students in any industry.

Just like any other languages, the Burmese language is important as well. Thus, it should be noted that people should not ignore the importance and value of the Burmese language in communication and to their cultural identity.

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May 7

Test Bank Is Important For The Students

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Test Bank is effective for the students because it provides the necessary questions and their answers for the students for their preparation for the exam. It provides the different types of questions and their answers. The answers are solved out thoroughly. They are very much helpful for the students. There probable questions and their answers. They are solved out in the test bank. Test bank is popular. Students can get help from the test bank. They can make their preparation for the exam also. It can be considered as reference book also. The students are happy to get the test bank.

Test Bank is very much effective for the students because it provides the various important questions and their answers. It makes the students much confident because it covers the whole syllabus and it provides various questions and their answers. Students are very much helpful to get adequate help from the test bank. It makes their concept on the respective subject well. The students are in great advantage. They are getting additional help from the test bank. They are very much happy and confident. Test bank makes them successful for the exam.

Test bank is very much helpful for the teachers also because they can get the idea from the question bank about the different questions and their answers. They can refer the test bank for additional preparation for the exam. It is a collection of various questions and their answers. It is very much needed by both of the students and teachers. Test bank is universally approved by all renowned teachers.

Student needs Test Bank because they are in great demand of important questions and their answers for the last moment preparation for the exam. Test bank is very much professionally written. It covers the every aspect which matters for the quality answers. The answers are precise but to the point and of high quality. Student can score high marks and they can make their position high in the class.

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May 6

What is School Admission Exercise for International Students (AEIS), Singapore

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Schools Admission Exercise for International Students (AEIS) is by Ministry of Education (MOE), Singapore, MOE conducts a centralized test around Sep./Oct. annually for new international students who wish to join the mainstream public primary and secondary schools in January of the following year.International students who do not have a place in a local school and who wish to seek admission into Primary 2-5 and Secondary 1-3 are eligible to take part, but they have to pass the AEIS examinations for admission into government school. AEIS, by Ministry of Education (MOE) Singapore, examination is conducted only once a year.

English is the medium of instruction in the test, thus student applicant are strongly encouraged to prepare themselves in advance of the Schools Admission Exercise for International Students (AEIS) tests. Student applicants should be well versed with the English and Maths syllabi of the level preceding the one they are applying for. An applicant who applies for Secondary 3 should have enough knowledge with Secondary 2 content. An applicant who wishes to seek admission to Primary 3 and is assigned the P2/P3 test should be familiar with Primary 1 and Primary 2 content. An applicant who wishes to seek admission to Primary 2 and is assigned the P2/P3 test should be familiar with Primary 1 content.

glad to help in your preparation.

International students who passed in the Schools Admission Exercise for International Students (AEIS) Tests are advice to prepare themselves in advance for a new school environment where English is the main language of classroom instruction, and should familiarize themselves with the relevant curriculum for their level.
Preparatory course is offered for foreign students seeking admission to government schools. It prepares students to take the Schools Admission Exercise for International Students (AEIS), which involves a centralized test on English and Mathematics. In addition (where necessary), students are also prepared for the Qualifying test (QT) and Principle Academic Certified Test (PACT) should they miss the AEIS test. The key subjects taught are Mathematics, Science and English. The contents taught are based on the syllabus as outlined by the Singapore Ministry of Education.
Students who fail the AEIS examination may choose to take the Qualifying Test (QT) the following year between January to June. The QT is conducted once a month by the MOE.

For more information visit:

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May 6

Why netbook computers considered the student laptop

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The very first netbook computers were created by Asus in 2007 which was known by the name ASUS Eee PC. But the popularity of the netbook computers increased with its portable feature which helps you to carry it to any place you want easily.Some of the companies that are manufacturing this type of small portable computers are HP, Dell, Toshiba, Lenovo etc. The main reason behind the popularity of the netbook computers is that it help you to stay connected with internet at any place wherever you go and also the weight of the netbook computers are very lightweight and so you can easily carry them at any place you go throughout the day. Most of the people who have used the netbook computers consider it as a student’s notebook because of the following features of the netbook computers:
The screen size of the netbook computers varies within 10 to 12 inches which makes it the perfect computer for the student. Also another reason for which these portable computers are considered as the student’s computer is that the weight of this computer is only 2 to 3 pounds which make it very lightweight. You can easily fit this computer inside your bag or purse or backpack. Because of the size of this portable computer the student can carry it comfortably with them.
The netbook computers are very small in size and it is portable and compact too. This computer helps you to stay connected with your friends always.
The netbook computers are designed in such a way that it makes it very tough as well as sturdy. Even after few hard knocks it can function properly.
The battery life of the netbook computers is more than the ordinary notebook computer and thus the battery helps you to run your laptop for a considerable time period.
The portable computer comes with a RAM of 1 GB which makes the processing very fast. The operating system that is used in this type of computer is the Windows XP but in the latest netbook computers Windows 7 and Vista is used.
This type of portable computer has huge storage capability also. Most of this type of portable computer comes with a hard drive space of 30 GB to 60 GB till 160 GB which is sufficient for the students.
The price of netbook computers is also low as the price range ranges from $ 300 to $ 450. And with its growing demand the price of the portable computer is decreasing day by day.

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May 5

The Significance Of Free Laptops For Students On The Web

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Technology plays a big part in the lives of people today including the students. With the emergence of the World Wide Web, students gained access to more learning materials. They can do their own research without having to walk all the way to the library and spend time looking for the books one by one. But not everyone has the luxury to be able to afford a computer of their own, particularly a laptop, that is why students surf the net for Free Laptop for students offers.

Computers are cool gadgets especially if you are looking for a pass time. But computers today are seen as more than just for entertainment purposes, they are essential tools especially as aides in the students learning. Desktop computers are common among households, but for people who live life in the fast lane, a laptop is a great choice.

Laptops are lighter and compact. They can be used anywhere and anytime. If you need to finish some work urgently then the laptop will come in handy. You just need to sit down, open your laptop and you can start working already. A more creative presentation can also be creative through some software. The internet is also accessible anytime in case you run into some trouble with and about almost anything.

Companies who maintain their own website recognize the students need to have their own laptop. And as a marketing strategy, they came up with the idea to give away free laptops to students. They make use of promos, contests, surveys, and some through a laptop test. A free laptop is always enticing. Of course, who would not want to have cool gadgets for free?

Companies will also benefit from giving away laptops. It will attract web users to visit their websites and at the same time be able to advertise their products to them. The laptop test is also instrumental so they can collect feedbacks of their products from a buyers perspective. This will help them identify which areas of their product needs improvement.

There are many sites that you can find that give away free laptops. But be careful of falling victim of scams that claim to help you get a free laptop. Legit sites will not ask you to pay anything for claim your laptops so be patient enough to research about the sites first before you get too excited.

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