Back To School Internet Safety Tips For Parents

Now that children will be back to class and have schoolwork, their time spent online significantly increases along with patterned and predictable times they access the Internet. Online predators, cyberbullies and cyberstalkers prepare themselves for what they hope will be another year of unsuspecting groups of vulnerable, discouraged and high risk taking children. In addition to online adult predators, children and teens who are cyberbullies and cyberstalkers will fill cyberspace looking to taunt and harass their peers.

How to Become Financially Successful in No Time

Financial Education is essential for your own financial success. You should remember that there are so many things out there that could lead you to bankruptcy; and the worst part is, you barely know all of these things. Education is essential in order to learn not only the new things in life but also the old (but still relevant) things that life has to offer.

Best Methods for Students Pursuing Online Education

If you're presently taking up a degree through online education or likely to enrol in an online university, listed here are best tips on ways to make the most through your online learning experience:

1. Selecting a legitimate and accredited online institution. There are numerous online learning resources today offering online distance education programs which aren't licensed or accredited by the government regulatory board on education or even the U.S. Department of Education.

Tips to Avoid Student Debt

The recent decision by the Coalition Government to allow Universities to charge up to 9000 a year tuition fees is once again a reminder of just how expensive higher education is in England and Wales today (Scotland has a totally different charging regime for its Universities).

The result of the above decision is that many students starting University in Autumn 2012 could potentially end up with an outstanding debt of £36,000 at the end of their degree. This is a staggering figure to start adult life owing, although the student loan will not become repayable until employment paying in excess of 21,000 p.a is secured. Nevertheless this presents a whole new set of financial challenges for teenagers and young adults.

What Is Better, Education Loans or Student Credit Cards?

College Student Loans
Generally, long lasting financing is supported by student education loans provided by the us government or extracted from commercial lenders. A College Student Loans may be used to pay tuition fees, boarding school costs, food and lodging allowance, college books, school projects as well as other school expenses. It's a known fact that many families cannot afford an excellent education independently and school loans give that much-needed financial support for many teenagers.

Mistakes to Avoid When Choosing Credit Cards For Students

For many students in America, it involves an important decision when getting a credit card. Several companies are focusing on college students by giving various options to have them sign up with their card. Getting the right card is the very important step in owning one. Here are several faults to avoid when selecting a credit card for students.

Martin Luther King Weekend Tips for Student Credit Card

In america, Americans take notice of the Martin Luther King Jr. day to celebrate the life of the patriot and icon. For teenagers and students, the celebration of Martin Luther King Jr. day can be achieved a lot more special by pondering concerning the vision in the man himself. Why not start the entire year 2012 with resolutions inspired by Martin Luther King Jr? Consider the subsequent ideals:
“Human progress is neither automatic nor inevitable. Every step toward the aim of justice requires sacrifice, suffering and struggle; the tireless exertions and passionate concern of dedicated individuals.”

While Martin Luther King Jr. is primarily referring to the goal of justice, this same ideal does apply on almost every aspect of life- including personal finances. If you originated in an unhealthy family, don’t let your financial situation dishearten you against pursuing your goals. You can boost your finances through efforts, starting from your college studies. Read More

Continuing Education Course Online

Who are the very best candidates for acquiring online education? Anyone that really wants to still a higher education can join a web-based degree program. Many universities today offer online education programs for associate’s degree, bachelor’s degree, vocational courses and certifications.
Those who were instructed to quit education in a very traditional school setting unconditionally, such as illness, injury or physical disability could continue through online studies. Students who’s education were interrupted since they were required to move to another country can continue their learning no matter where they relocated.

The Importance of Scholarships

A scholarship is an award given to a student for the purpose of furthering their education. A scholarship can be a monetary award, or it can be an award of access to an institution. Scholarships are a vital piece of the financial aid system for three reasons:

• They provide money which generally does not have to be paid back
• They provide access to money which students may otherwise be ineligible for
• When used in accordance with IRS guidelines, scholarship funds are tax-free Read Full Story

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Financial Health: Smart chips in credit cards

VISA spent much of 2011 attempting to convince merchants to accept an alternative to the magnetic stripe on credit cards to achieve maximum protection against fraudulent transactions. The company contends that embedding a computer chip in the card would provide consumers with significantly more protection from having card numbers pilfered. Merchants counter that the new smart chip technology needlessly requires that new and expensive card reading machines be available in several locations in order to maximize the anti-fraud capability of the cards.

As supporting evidence ,VISA points to a recent high-end restaurant scam operation where waiters took a patron’s credit card and departed ostensibly to complete the transaction at the cash register. What the patron did not realize was that a criminal ring had provided the waiters with credit card readers they could attach to an Android smart phone or an iPhone. Waiters would disappear and before legitimately running the card to create a billing statement for signature, they would slip it through the phone card reader. In a matter of minutes, other members of the ring duplicated the card and either used it to make fraudulent charges or sold it to others. Read Full Story Here



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6 Bad Habits that Can Lead to Bad Credit

6 Bad Habits that will Bring about Bad Credit

Not carrying out a monthly spending plan.
Have you got a written budget plan that you follow every month?

Not living within your means.
Have you been responsible for splurging or buying expensive things even if it means borrowing against your credit? Are you currently often out partying with friends using only your charge cards to pay your debts?

Missing your due dates.
Are you often late in reducing your bank card balances? Missing your payment date of payment only for starters day can cost you late charges.

Acquiring outlet credit cards only to have a discount.
Did you make application for a outlet card only to get a 10% discount with a $500 valuation on purchase?

Chasing charge card rewards.
Do you have a treat credit card? If yes, using it to buy things may be tempting however, if you’re unsure whether it is possible to pay back your full balance or otherwise not, it’s advisable to skip the acquisition.

Not checking your own credit history regularly.
Checking your credit score at least twice a year is the 6 ways to protect yourself against id theft. Identity thieves can make an effort to open accounts with your name also it can take months before you decide to find that you’ve been a victim of fraud.

Source:6 Improper habits that could Result in A bad credit score

First Hacked Credit Cards Hit Net

Last week, Anonymous hacked into the subscription records of the company Stratfor, which advises companies and governments on security. The hacking was a nasty joke, a way of saying “see, even your vaunted security companies can’t keep us out.” In the process, Anonymous grabbed the credit card information of the subscribers.

On Thursday, they published the credit card information of Australian Member of Parliament Malcolm Turnbull, billionaire David Smorgon, journalist Sam Lipski, as well as the companeis BHP Biliton and Woodside Petroleum. Stratfor had notified those effected immediately, one can assume that Mr. Turnbull’s statement that the information was “old” means that defensive measures were taken as soon as the subscribers were notified.

Stratfor stated that the hacked list was their subscribers, not their private client list, which includes the United States Department of Defense, Apple and Microsoft. Read Full Story