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Why Should College Students Care About Their Credit Score?Author: Beth StevensonStudents are increasingly worried about credit and credit scores - and for good reason. Student debts are rising and the numbers of students who leave school with ruined credit scores is rising as well. Many experts blame larger credit card debts and rising tuition costs (that lead to larger student loans). Despite the pressures of todays student life, though, it is possible to leave school with a good credit score and in fact to develop good financial habits that can lead to a lifetime of good credit ratings. There are a few tips that can make the college years a credit-booster instead of a credit disaster: If you are a student, you have a great secret weapon for credit repair and credit help - your schools financial aid office. If you are a college student, your schools financial aid office should be one of your first stops at the campus. Few students visit this office regularly while they are in school, and this is a mistake. The financial aid office at most universities and colleges has more than enough information to help you keep your credit score in tip-top shape. The financial aid office offers one-on-one financial counseling, information about scholarships, tips on budgeting, books on money, and many more resources. The officers at your university or college financial aid office can offer you help on almost any aspect of financial help - including helping you figure out credit scoring. Plus, many financial aid offices have workshops that can teach you about dealing with money and credit, and even offer free tax filing services, services that are extremely useful. If you are a student (and especially a student with student loans), budget carefully. Student loans need to be paid back and are more and more often for large amounts. Taking out the smallest loans you can and sticking to a budget can help establish good credit habits that can help ensure that you have a good credit score when you leave university. Plus, since student loans are for a limited amount, you can easily budget because you will know exactly how much money you will make each month and how much money you will be spending on student housing, tuition and other expenses. Try to pay for education through means other than loans. Student loans are becoming a problem for more and more students. On the one hand, student and college loans can help students who could otherwise not afford go to college or university. On the other hand, though, huge student loans can be a terrible financial burden after graduation. While it is true that most college and student loans do not have to be repaid until after graduation, the time after graduation usually carries some large financial responsibilities. Many college graduates want or need a car, a good job, and possibly a house or home. In general, need-based government-subsidized student loans generally offer the best terms and rates. After that, college and student loans from private lenders may offer decent rates. Personal loans and credit cards should only be used when absolutely necessary to pay for an education, as these tend to have higher interest rates and require that you start repaying them right away. Save money by taking advantage of student discounts or student life One of the advantages of student life is that it is inexpensive. Student housing or rooms rented with roommates create inexpensive living, on-campus facilities offer great services at discount rates, and many businesses offer student-only deals. Start building credit early - and do it well Start building credit early - even before college starts, if you plan on taking out college loans. Get a credit card with a low limit and a bank account that you balance each month. There are many different types of college student credit cards available. About the author: Beth Stevenson worked 20 years in business as an accountant and controller, but left her "JOB" a few years ago, and began working for herself from home. She invested time and money into her online business finding out what works, and what doesn't. (And it's not necessarily what you might think!). And now she's ready to share her insights with you. You can discover what it takes to "live the good life." Please visit http://BethStevenson.com For more information regarding applying online for College Student credit cards, please visit http://PeopleCreditCard.com FLORIDA GHOST HUNTERS JOINED BY OHIO STATE TESTED MEDIUM, TINIA ROSSJay ShoemakerCONTACT: Jay Shoemaker, http://www.floridaghosthunters.com By Jay Shoemaker Sept. 10, 2005 FLORIDA GHOST HUNTERS JOINED BY OHIO STATE TESTED MEDIUM, TINIA ROSS ALTAMONTE SPRINGS, Fla.Today, Tinia (Ty-knee-ah) Ross joined the Florida Ghost Hunters, Investigation Team. She brings a lot to the table. says, Jay Shoemaker, Lead Investigator from the Florida Ghost Hunters. Tinia Ross, who has appeared on Larry King Live has joined the Florida Ghost Hunters in an effort to assist in Paranormal Investigations on businesses, homes, and wherever paranormal activity is reported in Florida. Tinia has been clairvoyant since a small child and uses her clairvoyance together with terot cards when performing her readings. Ive been reading most all of my adult life. says Tinia, whose regular clients range from professionals in all fields to people in everyday life. Originally from Michigan, Tinia graduated from the University of Michigan, with honors. She has read for John Edwards (of Crossing Over fame), and performed at numerous psychic fairs in the upper Midwest. As her Psychic reputation grew in Central Ohio, Tinia was tested by the University of Ohio, Department of Psychology, for her Clairvoyant abilities and scored extremely high, surprising testers, but not Tinia. Recently Tinia moved from Columbus, Ohio to the beautiful Treasure Coast to be with her soul mate Gary, who she came to know while giving him a reading which surprised the both of them. Tinia is looking forward to living in Florida, providing her psychic abilities to the area and working with the Florida Ghost Hunters. Tinia will assist in the paranormal investigative process, by using her gifts as a medium. Her feelings will be compared to any scientific evidence collected during an investigation conducted by the Florida Ghost Hunters Team. For more information on Florida Ghost Hunters visit FloridaGhostHunters.com [ Submitted with ArticleSubmitter Pro - http://www.articlesubmitterpro.com] About the author: Jay Shoemaker CPI Jay Shoemaker, CPI, Lead Paranormal Investigator, is a Certified Paranormal Investigator, speaker, author, and copywriter. With over 5 years experience in investating paranormal cases. Jay and his Team conduct investigations on homes, businesses and wherever significant paranormal activity is reported in Florida. Jay Shoemaker and his partner Jason Hayes also teach paranormal investigation principle. They offer a Certified Paranormal Investigation Workshop where others interested in paranormal investigation can attend. They can expect to receive equipment, forms, manuals, equipment training, participate in an actual investigation, network with others interested in the field and obtain their certification. http://www.floridaghosthunters.com How party poker helped me kick an addiction to the perscription painkiller oxycontin.eric freyFor most people painkillers are a miracle that allows them to carry out their everyday activities, and minimize their suffering. They are not thought of as "bad" because a doctor prescribes them, and they are not illegal. According to an April 9, 2001 Newsweek article (playing with painkillers), the sale and prescription of painkillers have tripled since 1996. Doctors have started paying more attention to pain, and using painkillers more often to make the patient comfortable. But along with all of this, there has been an increase in the abuse of painkillers. It is estimated that four million Americans use prescription painkillers for "non-medical " purposes. One of the most dangerous and fastest growing prescription drugs is oxycontin. Oxycontin was first introduced in 1996, and is made from oxycodone, which is a main ingredient in drugs such as percocet and percodan. People abuse this drug by crushing it and snorting it, which sends a massive rush to the brain. Oxycontin locks into a cell receptor called mu, which is found mostly in the brain, spinal cord, and gut. Once this happens, it blocks pain signals from nerves and gives the person a feeling 0f well being. I started out with 20mg and eventually increased to 400mg a day. This can be an expensive habit since the drug can cost up to $1 per milligram. My waist dropped from 42 inches to 36 inches in two months, I also faked back pains and got a local doctor to write me prescriptions for the oxy. I have since given up the drug thanks to online poker. Just as oxy is on the rise so is online poker. I have learned that I enjoy playing online poker just as much as I used to enjoy getting "high" off of oxycontin, I never thought I would be able to find a substitute for the drug, but I truly have found something in poker that keeps my mind occupied. I hope the readers of this article can find something to occupy their mind as I have, it really has changed my life. Give it a try (www.partypoker.com/index.htm?wm=2570637) [ Submitted with ArticleSubmitter Pro - http://www.articlesubmitterpro.com] About the author: TO RECEIVE $25 FREE AT PARTYPOKER SIMPLY GO TO PARTYPOKER.COM OR USE THE LINK BELOW REGISTER A NEW REAL MONEY ACCOUNT AND ON THE REGISRTATION PAGE YOU WILL SEE A BOX THAT SAYS SIGN UP BONUS CODE ENTER 25POPP IN THIS FIELD TO RECEIVE $25 FREE ON YOUR FIRST DEPOSIT. THANK YOU AND SEE YOU AT THE TABLES. www.partypoker.com/index.htm?wm=2570637
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