College student credit cards can become both a blessing and a curse. They are a wondeful financial resource for high school grads just starting out on their own, but they are also a temptation that some students just can’t resist. If you want to make sure you don’t make the same mistakes so many other students have made with college student credit cards, follow these five tips.
1. It’s Not a Loan
When you become the recipient of college student credit cards, don’t look at it like a loan. Never charge more than you can pay off at the end of the month (unless it’s an emergency) and definitely don’t look at it like a license to go on a shopping spree.
The purchases you make with your student credit cards will add up quickly -- more quickly than you may realize. If you bite off more than you can chew, you may find yourself in financial trouble before your financial future even gets started.
2. They’re Not for Sharing
So you have one or two college student credit cards and your best friend doesn’t have any. Real friends share, right?
Wrong!
Never share your college student credit cards unless you’re willing to be responsible for paying for the purchases your friends make. Nothing can break up a friendship faster than fights over finances.
Do yourself a favor and keep your college student credit cards in your own wallet.
3. Mommy and Daddy Are Not An Out
Don’t be tempted to get in over your head with your college student credit cards because you think mom and dad will be there to bail you out if you run into trouble. College student credit cards are the first step into your adult financial future. Mom and dad have nothing to do with it.
4. Do Not Charge School Expenses
You may be tempted to use your college student credit cards to pay for school tuition or books. Don’t do it. That’s what student loans are for. College student credit cards carry a higher interest rate than student loans, so if you use them for education expenses, you’re throwing away money.
5. The Due Date Is Not a Guideline
When you start using your college student credit cards, realize how important the terms and conditions are. Make sure your payment will reach the bank well before the due date (the due date is not a guideline, it’s written in stone) and don’t go over your limit.
If you default on your credit card’s terms and conditions, you’re going to be hit with ugly fees and your interest rate is going to take a hike skyward. Manage your college student credit cards wisely and respect the responsibilities you have been given.
It’s true -- college student credit cards can be overwhelming. Don’t let it scare you. By keeping the above tips in mind, you’ll be well on your way to managing your college student credit cards responsibly and building a respectable credit history.
By: Max Anderson
Showing posts with label junior. Show all posts
Showing posts with label junior. Show all posts
Monday, September 26, 2011
Study In New Zealand - Universal College of Learning
Many 100s of UCOL’s international alumni from countries all around the world stay in touch with their alma mater in New Zealand and many of them are now in key positions in teaching or working in design, film, television, IT, Nursing, Business and many other industries and professions.
The Universal College of Learning - known as UCOL - is one of the most progressive Institutes of Technology in New Zealand: Its main aim is to help people succeed in life, by equipping them with the right skills and knowledge – and the right attitude. The success of its students – studying either as International students or as people who have immigrated to New Zealand – proves the point.
Tiffany Chew from Malaysia is a good example. While she was studying at UCOL’s Whanganui School of Design in the beautiful city of Wanganui, she won the students’ section of a top national design competition.
Her work, called Spinobot (which stands for spin about) took the Tertiary Student Award in the Telecommunications Users Association of New Zealand (TUANZ) Business Internet Awards. The awards acknowledge innovation and excellence in research and development in digital and interactive media.
Tiffany created Spinobot in her final year of study for a Bachelor of Computer Graphic Design. Now back in her homeland, she works for a leading interactive design company in Kuala Lumpur, developing websites and other online resources.
Many students from India have completed their Nursing degrees at UCOL and now work in hospitals and Health Care Centres all over New Zealand. UCOL has New Zealand’s largest nursing school and an international reputation in this vocational rich area.
Trevor Salang took a different path in life. He first learned to cook on Borneo Island with only a machete as a cooking implement. He is now a UCOL graduate, with a Certificate in Professional Cookery Level 4, and an award winning Head Chef at The Gallery restaurant in the city of Palmerston North.
His earliest lesson in cooking came from his father and his grandparents who still use traditional tribal methods, with a wood fire and two metal bars to stop the pot from dropping into the fire. “From my father I learnt how to kill chickens, wild boar, catch fresh fish and gather vegetables from the forest, and cook them with nothing but a machete.”
Trevor came to study in New Zealand when he was 16, finished secondary school and decided on a career as a chef. He liked the idea that he could also develop his artistic bent through food presentation.
Trevor would like to try his hand working overseas in a few years time. “One day I would like to have my own restaurant – always serving a superior product.”
Another student from Malaysia, San Tan wanted to go abroad to study and decided on New Zealand, because she wanted to experience a new culture.
San had always wanted to work with animals, and had a science background so she chose the vet nursing course at UCOL in Palmerston North.
During her placement in a local vet clinic, San found the practical skills she'd learned at UCOL helped her get her first vet nursing job. "I started work at my placement vet clinic as a locum straight after I finished my course."
San has enjoyed study in New Zealand. "The people are good, they're fun. And I've enjoyed experiencing New Zealand culture: it's quiet and peaceful, and there's not so much rushing."
Bruce Osborne, who heads UCOL’s International unit, is not surprised that international students do well at UCOL. “They work very hard and have a good attitude to study and life,” he says. “And of course they have the support of UCOL. We value students from other countries because they bring new experiences and points of view– and that’s good for all of us.”
Bruce stresses that UCOL is there to help all of its students succeed, in whatever field they choose. “Right now we are celebrating the success of students and staff from our Bachelor of Visual Imaging program in Palmerston North. They took seven awards, including Institute of the Year for the fifth year running, in the New Zealand Institute of Professional Photographers national awards.”
UCOL Catering and Hospitality students also took 10 medals (including three Gold) at the National Culinary Fare in Auckland. “We’re proud of them all,” says Bruce.
Other features that make UCOL different include its range of employment-related program, its regional range across three campuses in the North Island of New Zealand, the passion of its lecturers, and the excellence of its award winning student support services.
UCOL offers more than 100 program, available on campus and on line, from certificates and diplomas to degrees, across a range of trade, professional and creative qualifications. They include chef training and hospitality, fashion, hairdressing, business, computer technology, sport and exercise, fine furniture making, graphic design, fine arts, early childhood training, nursing, performing arts, applied science and trades.
Small classes are the norm and program are built around a combination of practical experience and theory.
By: Henryseo
The Universal College of Learning - known as UCOL - is one of the most progressive Institutes of Technology in New Zealand: Its main aim is to help people succeed in life, by equipping them with the right skills and knowledge – and the right attitude. The success of its students – studying either as International students or as people who have immigrated to New Zealand – proves the point.
Tiffany Chew from Malaysia is a good example. While she was studying at UCOL’s Whanganui School of Design in the beautiful city of Wanganui, she won the students’ section of a top national design competition.
Her work, called Spinobot (which stands for spin about) took the Tertiary Student Award in the Telecommunications Users Association of New Zealand (TUANZ) Business Internet Awards. The awards acknowledge innovation and excellence in research and development in digital and interactive media.
Tiffany created Spinobot in her final year of study for a Bachelor of Computer Graphic Design. Now back in her homeland, she works for a leading interactive design company in Kuala Lumpur, developing websites and other online resources.
Many students from India have completed their Nursing degrees at UCOL and now work in hospitals and Health Care Centres all over New Zealand. UCOL has New Zealand’s largest nursing school and an international reputation in this vocational rich area.
Trevor Salang took a different path in life. He first learned to cook on Borneo Island with only a machete as a cooking implement. He is now a UCOL graduate, with a Certificate in Professional Cookery Level 4, and an award winning Head Chef at The Gallery restaurant in the city of Palmerston North.
His earliest lesson in cooking came from his father and his grandparents who still use traditional tribal methods, with a wood fire and two metal bars to stop the pot from dropping into the fire. “From my father I learnt how to kill chickens, wild boar, catch fresh fish and gather vegetables from the forest, and cook them with nothing but a machete.”
Trevor came to study in New Zealand when he was 16, finished secondary school and decided on a career as a chef. He liked the idea that he could also develop his artistic bent through food presentation.
Trevor would like to try his hand working overseas in a few years time. “One day I would like to have my own restaurant – always serving a superior product.”
Another student from Malaysia, San Tan wanted to go abroad to study and decided on New Zealand, because she wanted to experience a new culture.
San had always wanted to work with animals, and had a science background so she chose the vet nursing course at UCOL in Palmerston North.
During her placement in a local vet clinic, San found the practical skills she'd learned at UCOL helped her get her first vet nursing job. "I started work at my placement vet clinic as a locum straight after I finished my course."
San has enjoyed study in New Zealand. "The people are good, they're fun. And I've enjoyed experiencing New Zealand culture: it's quiet and peaceful, and there's not so much rushing."
Bruce Osborne, who heads UCOL’s International unit, is not surprised that international students do well at UCOL. “They work very hard and have a good attitude to study and life,” he says. “And of course they have the support of UCOL. We value students from other countries because they bring new experiences and points of view– and that’s good for all of us.”
Bruce stresses that UCOL is there to help all of its students succeed, in whatever field they choose. “Right now we are celebrating the success of students and staff from our Bachelor of Visual Imaging program in Palmerston North. They took seven awards, including Institute of the Year for the fifth year running, in the New Zealand Institute of Professional Photographers national awards.”
UCOL Catering and Hospitality students also took 10 medals (including three Gold) at the National Culinary Fare in Auckland. “We’re proud of them all,” says Bruce.
Other features that make UCOL different include its range of employment-related program, its regional range across three campuses in the North Island of New Zealand, the passion of its lecturers, and the excellence of its award winning student support services.
UCOL offers more than 100 program, available on campus and on line, from certificates and diplomas to degrees, across a range of trade, professional and creative qualifications. They include chef training and hospitality, fashion, hairdressing, business, computer technology, sport and exercise, fine furniture making, graphic design, fine arts, early childhood training, nursing, performing arts, applied science and trades.
Small classes are the norm and program are built around a combination of practical experience and theory.
By: Henryseo
How to Choose the Good College and Not to Be Mistaken?
Choosing the college is not an easy thing, indeed. It is the question that seems to be discussed more than any other one. Internet resources provide millions of articles aimed to facilitate the choice of future student. But indeed the huge amount of information is not helpful sometimes. Quantity does not always present quality. That is a point to consider.
To choose a college is not like to buy shoes. One cannot see it immediately, touch the material it is made of, ask about quality, prize, try it on and then reject it if it does not fit. In other words education is kind of goods based on trustworthiness. We trust those people who advertise and sell their goods, though very often the prize does not imply education rate but the certificate of degree and the possibility to work.
How to choose
The first advice is do not trust the advertisement of any higher education establishment you saw in the street, in the internet, or in mass media. As a rule, such methods of attracting students are used by new and not very qualified establishments. If the financial situation in your family allows to pay for the tuition choose the University with big name. They do not need any advertisement because they have established reputation. If not, check properly the information presented in advertisement of any other college. You are risking to be deceived.
Think about your ambitions
Compare your ambitions with your knowledge and possibilities. If you feel that you have a good level of knowledge, try to enter the University with big name. And if you feel the opposite or the willingness to study in a prestigious college is dictated by your parents, choose the variant the most appropriate to you. Because of your present choice would depend your future career and finally your future life.
In any case think properly, estimate everything and you will not be mistaken.
By: Ket Ledford
To choose a college is not like to buy shoes. One cannot see it immediately, touch the material it is made of, ask about quality, prize, try it on and then reject it if it does not fit. In other words education is kind of goods based on trustworthiness. We trust those people who advertise and sell their goods, though very often the prize does not imply education rate but the certificate of degree and the possibility to work.
How to choose
The first advice is do not trust the advertisement of any higher education establishment you saw in the street, in the internet, or in mass media. As a rule, such methods of attracting students are used by new and not very qualified establishments. If the financial situation in your family allows to pay for the tuition choose the University with big name. They do not need any advertisement because they have established reputation. If not, check properly the information presented in advertisement of any other college. You are risking to be deceived.
Think about your ambitions
Compare your ambitions with your knowledge and possibilities. If you feel that you have a good level of knowledge, try to enter the University with big name. And if you feel the opposite or the willingness to study in a prestigious college is dictated by your parents, choose the variant the most appropriate to you. Because of your present choice would depend your future career and finally your future life.
In any case think properly, estimate everything and you will not be mistaken.
By: Ket Ledford
College Scholarship – What are the Ways to Get it?
College scholarship is not restricted to those students only, who are the best at their studies. These scholarships are actually for those students, who are good at their studies, and unable to bear their educational expenses. There are several agencies and colleges, which offer these scholarships to the students, so that they can continue their studies effectively and without any delay.
Make good plans about your future and ask this question from yourself that where you are at that moment, and what you want to become in the next five years. In the majority of cases, the scholarships are awarded after taking an exam.
Therefore, prepare yourself for the test, and start to read the relevant books. Scholarship exams are different from the degree or diploma exams, and mainly they test the general knowledge and IQ. Although these tests are tricky; however, this is possible to clear them. Hard work and enthusiasm; these are the keys of success. There are several individuals, who are not extra-ordinary at studies; however, they have secured a good score in these exams and have scholarship in their hands.
There are few things that should be considered before going to apply for the college scholarship. First of all, it is required to assess yourself, and evaluate what are your needs and how you can pursue for it. Secondly, search the different scholarship programs in different colleges. Nowadays, research on these programs is much easier. The Internet has resolved many problems, and made it easier to have information on any subject easily.
One of the best ways to have the scholarship is to search the local areas. It is much easier to have the scholarship in this way rather than competing on a national level. Go to your town or city hall and discuss with the local counselor in this regard. This might be a great way to have the reality of your dreams.
By: Kendall Williams
Make good plans about your future and ask this question from yourself that where you are at that moment, and what you want to become in the next five years. In the majority of cases, the scholarships are awarded after taking an exam.
Therefore, prepare yourself for the test, and start to read the relevant books. Scholarship exams are different from the degree or diploma exams, and mainly they test the general knowledge and IQ. Although these tests are tricky; however, this is possible to clear them. Hard work and enthusiasm; these are the keys of success. There are several individuals, who are not extra-ordinary at studies; however, they have secured a good score in these exams and have scholarship in their hands.
There are few things that should be considered before going to apply for the college scholarship. First of all, it is required to assess yourself, and evaluate what are your needs and how you can pursue for it. Secondly, search the different scholarship programs in different colleges. Nowadays, research on these programs is much easier. The Internet has resolved many problems, and made it easier to have information on any subject easily.
One of the best ways to have the scholarship is to search the local areas. It is much easier to have the scholarship in this way rather than competing on a national level. Go to your town or city hall and discuss with the local counselor in this regard. This might be a great way to have the reality of your dreams.
By: Kendall Williams
How to Find an Appropriate College Financial Aid
Planning for your college expenses is a major financial project that your family has to undertake. Though the procedure of getting college financial aid is quite intimidating, yet awareness is your power. Nowadays, the colleges and universities are providing more financial help than ever so you should make appropriate search for getting the utmost benefit.
There are various types of financial aids available which are offered by both the government as well as private sector. These aids are given to young students who continue with their education after high school and also to the older students who may return to study after raising a family or being laid off from their job. Financial assistance is provided to all but the main point is to know where and how to apply for it. The federal government offers information to verify your eligibility for financial aid in your prospective college. There are specially appointed officers for coordinating the federal, state and college finances who are also responsible to provide you the best possible package from the available resources. Financial grants are based on your merit or status or both.
There are a number of scholarship search sites available on internet that can be helpful. You just need to develop a list of your talents, attributes and interests along with your religion, ethnicity or other unusual characteristics if present. With a click of a button, you will find that there are various scholarships or grants for you on the regional, state or national level. If you are resourceful in searching a scholarship for which you qualify, then you should apply for it meticulously. The common types of scholarships are need-based, merit-based, student-specific and career-specific. The need-based aid depends on your financial backgrounds whereas the merit-based aid is provided to those who excel in academic, artistic and other areas. The student-specific awards depend on the religion, gender, race and other such factors. The career-specific aid is for those who plan to pursue some specific field of study.
The cost of education is continuously increasing, however, college scholarships are an excellent way to offset a part of your college expenses.
By: Steve Shankar
There are various types of financial aids available which are offered by both the government as well as private sector. These aids are given to young students who continue with their education after high school and also to the older students who may return to study after raising a family or being laid off from their job. Financial assistance is provided to all but the main point is to know where and how to apply for it. The federal government offers information to verify your eligibility for financial aid in your prospective college. There are specially appointed officers for coordinating the federal, state and college finances who are also responsible to provide you the best possible package from the available resources. Financial grants are based on your merit or status or both.
There are a number of scholarship search sites available on internet that can be helpful. You just need to develop a list of your talents, attributes and interests along with your religion, ethnicity or other unusual characteristics if present. With a click of a button, you will find that there are various scholarships or grants for you on the regional, state or national level. If you are resourceful in searching a scholarship for which you qualify, then you should apply for it meticulously. The common types of scholarships are need-based, merit-based, student-specific and career-specific. The need-based aid depends on your financial backgrounds whereas the merit-based aid is provided to those who excel in academic, artistic and other areas. The student-specific awards depend on the religion, gender, race and other such factors. The career-specific aid is for those who plan to pursue some specific field of study.
The cost of education is continuously increasing, however, college scholarships are an excellent way to offset a part of your college expenses.
By: Steve Shankar
Mothers: Junior College and You
To many people junior college isn't "real" school. If you’re a hard-working mom, however, the junior college environment may be exactly what you’re looking for. Two-year colleges present many interesting possibilities for gaining an education. Financial aid is a common concern, but taking care of that is part of the package as well.
In the past the dominating perception has been that community colleges are for slackers or students who can’t get admitted to “real” colleges. There are actually some very enticing benefits to go to these schools, including the lower tuition costs. The flexibility and opportunity are great for moms who want to go to school. Championed by President Obama in 2009, the Grants for Moms incentive is an effort to help more moms enroll in junior colleges and other schools of their choice. The $5,000 grant is a huge bonus for going to college.
One of the biggest attractions to junior colleges is the financial savings. Even with a $5,000 Pell Grant for a mother, saving money is always important. The cost of attendance at junior colleges is often half that of 4-year schools. Furthermore, community colleges frequently offer full-ride scholarships to high school students with high standardized test scores and GPA. This is a significant prize for young moms who still managed to do well in school. Even with some expenses paid, the scholarship for moms can be used to pay for travel expenses, childcare and other school-related expenses.
Increasingly, the curriculums at 2-year colleges are becoming more rigorous and offering more academic opportunities. According to a 2002 New York Times article, 168 community colleges maintain honors programs. Certain community college are beginning to mirror the syllabi at big-name colleges and universities. For example, many junior colleges now offer study abroad courses in places like China and Mexico. All of these diverse courses and study opportunities expand students’ knowledge and help them enroll in 4-year colleges.
Grants for ambitious moms will certainly make junior colleges even more attainable. The $5,000 grants for moms can ensure that junior college is within reach. These schools also allow a mom to prepare for a productive career in two years or a transfer to a 4-year college. A quality associate degree could lead to great career development.
By: Fred Jackson
In the past the dominating perception has been that community colleges are for slackers or students who can’t get admitted to “real” colleges. There are actually some very enticing benefits to go to these schools, including the lower tuition costs. The flexibility and opportunity are great for moms who want to go to school. Championed by President Obama in 2009, the Grants for Moms incentive is an effort to help more moms enroll in junior colleges and other schools of their choice. The $5,000 grant is a huge bonus for going to college.
One of the biggest attractions to junior colleges is the financial savings. Even with a $5,000 Pell Grant for a mother, saving money is always important. The cost of attendance at junior colleges is often half that of 4-year schools. Furthermore, community colleges frequently offer full-ride scholarships to high school students with high standardized test scores and GPA. This is a significant prize for young moms who still managed to do well in school. Even with some expenses paid, the scholarship for moms can be used to pay for travel expenses, childcare and other school-related expenses.
Increasingly, the curriculums at 2-year colleges are becoming more rigorous and offering more academic opportunities. According to a 2002 New York Times article, 168 community colleges maintain honors programs. Certain community college are beginning to mirror the syllabi at big-name colleges and universities. For example, many junior colleges now offer study abroad courses in places like China and Mexico. All of these diverse courses and study opportunities expand students’ knowledge and help them enroll in 4-year colleges.
Grants for ambitious moms will certainly make junior colleges even more attainable. The $5,000 grants for moms can ensure that junior college is within reach. These schools also allow a mom to prepare for a productive career in two years or a transfer to a 4-year college. A quality associate degree could lead to great career development.
By: Fred Jackson
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