Learn the latest trends that will help grow your portfolio, plus tips on investing strategies. Credit cards cannot be issued to random person but company provides this to only those who have certain trusted income source. Store Credit Card – Many stores issued Departmental Credit Cards that are used for purchasing and have some discount offers. After careful examining, financial service provider issues credit on the certainty of creditability of card holder.
Manjesh Ojha Working in the IT Industry for over 4 years, specializing in web based technologies And He is one of the Top facebook Application developer In the World. Academically, one of the major dilemma’s a college student could face is when they may be failing a grade. At the end of the day, a failed grade can be made up, if you’re willing to take action and make changes to your schedule, then you will work your way through it and succeed. Sharon Epperson, a correspondent for CNBC, is author of The Big Payoff, which offers strategies for couples trying to make the most of their money. Newlyweds are increasingly in debt from student loans, credit cards and, of course, their big wedding day.
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If you already know that your failing a class or are heading for a failure, seek help straight away to minimize the impact the failure will have on your academic record. You will need to DO something, don’t just put your head in the sand and think that the problem will go away. Having a failing grade in the class is really a depressing thing that can happen to a college student. In her new book, The Big Payoff, Sharon Epperson offers advice to help them untangle their finances before they tie the knot. Any person is business and willing to have credit card, he gets on behalf of his business performance. Some companies have some criterion on providing these cards like person must be employed or must have certain salary scale.
You can ask for assistance from college tutors, from your professor, your academic adviser, your friends.
At the end of the day, it is in your control, whether you choose to do something and make a pass or whether you choose to do nothing and continue to fail. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. Most college’s will have College Tutors available that specialize in all different subject areas, so you should be able to find a tutor that is suitable for your subject.
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Don’t pretend that everything is fine well in fact you now have an “F” mark on your transcript of records.


Don’t stress yourself too much and the best thing you can gain from this is that you will have to find better ways, to avoid this kind of problem occurring again, not only for yourself but also for the people who are behind you supporting you every step of they way. This mark will have an impact on your future as employers will use these credentials when deciding who to employ. If you're a two-income family and you can manage to live on one income, the path to your financial dreams will be that much easier.
Try using one income a€” probably the higher one a€” to pay the mortgage or rent and other house hold expenses, as well as car loans, and child care, food and all other bills. If it's impossible to pay all of the bills and contribute to a retirement plan on one income, then dip into the second income a€” but make sure you are saving as much as possible of that money for retirement for both of you, as well as for emergencies (in case the sole breadwinner loses his or her job). Women who are thinking about dropping out of the workforce should talk to others who've made that transition. Check out Mothers & More, a national network of 7, 500 stay-at-home moms before you resign from your position, just so you get an idea of what life holds in store for you if you choose that route. The workforce is like a plane at 20,000 feet a€” it's easier to drop out than it is to drop back in.
And the trip down can be exhilarating, but you'd better know where you are landing and you'd better have a parachute. Most couples decide they can only afford the house they want or pay tuition for their children to attend private school or take family vacations each summer if both spouses are working. Even if your company offers some paid maternity leave, what if you decide you want to stay at home longer? You may not be able to stash any cash in your savings account during those times, but you won't have to worry about how you'll pay your mortgage either. The best part is, if you never need to dip into the second income, you may be able to tap into a sizable savings account that could help you whittle down your children's college bills and build a large nest egg for your retirement. As financial adviser Mo Barakat says, "The couple that can manage to live off one income and save the second is the couple that is headed toward financial wealth. That's the golden formula." Many one-income couples may feel there is nowhere left to cut.
Perhaps you can both look at how you spend your time and see if you can add a part-time job or do some freelance work to add to your earnings a€” and save that sum. Maybe you can't make a dramatic change in your spending and saving habits immediately, so start gradually.
Instead of spending two incomes (or one income, if there is a sole breadwinner) down to the last dime each month, stash away 5% of your pay, then 10%, and work your way up to 20 to 25% of your gross income.
Save a portion of your income (whether it's 5%, 20%, or an entire salary) and invest it for the future. Do you have money automatically deducted from your paycheck each month for your 401(k) plan or other retirement savings programs? Are you contributing the maximum amount that your employer allows a€” or at least up to what the company matches if that is offered?
It's also important to save for a down payment on a home or a car or other items like unforeseen medical expenses.
Also be sure to take advantage of other employer- sponsored benefit savings, such as flexible spending accounts, which help cover uninsured medical costs and also lower the taxes you'll pay on payroll income.
Some calculators will analyze your spending on these items, for example comparing it with a national average based on your salary and the number of people in your house hold. But as Jenkins points out, in most budgets, there is too much attention to detail and not enough attention to the bottom line.


Writing down every dime that you spend on a latte, your favorite CD, or a much-needed manicure won't necessarily prevent you from falling into financial ruin, especially since most of the biggest financial headaches are those really big expenses a€” like putting a new roof on your house.
He decided they needed to keep "committed expenses" at or below 60% of their gross income (their salary before taxes) to come out ahead at the end of the month.
Depending on your "commitments," the number may be higher (probably much higher) or lower for you and your spouse. Have automatic payroll deductions (or deductions from your checking account) of at least 10% of your income made into a 401(k), 403(b), Roth, or traditional IRA, or self- employed retirement plan (SEP-IRA, SIMPLE IRA, solo 401(k)). Invest 10% in stocks and bonds, but keep most of this money liquid so that cash could be available in case of emergency. Money should be direct-deposited from your paycheck to a money market or interest-bearing savings account. Use this money to pay discretionary expenses for vacations, repairs, new appliances, holiday gifts, charitable contributions, and other irregular, but predictable, expenses.
If you can manage to save 10 to 20% of your income, you will be amazed at what you will be able to accomplish in the years ahead.
Still, keeping Committed Expenses to 60% of your gross income may be impossible, at least initially. Many couples have too much mortgage, too much debt, big car payments, and private school tuition that they really can't afford. If you're in a position where you receive an annual raise or bonus above the rate of inflation, Jenkins suggests you just hold your Committed Expenses steady for a while and let the raises or bonuses reduce the percentage over time. But considering the amount of money you'll need for retirement a€” as much as 100% or more of your current income by the time you reach age 67 a€” it's important to start saving as early as possible. If you don't feel comfortable contributing a full 20% of your income to retirement and long- term savings, at least stash the maximum into your employer's retirement savings account, an IRA or self- employed retirement plan. Says Jenkins: "I've gotten mail from people who are making it work on as little as $31,000 per year.
The key is keeping a lid on housing and transportation costs." With the "60% Solution," you don't really need to track your expenses because your checking account balance should ideally be equal to the amount of money that you will spend each month. A lot of couples budget that way a€” spending down to the last dime in their checking account each month a€” the problem is they don't make provisions for savings first. The main reasons so few couples are able to save are simple: they overspend and they are in debt. Many couples today are taking on far more debt than their parents did a generation ago to provide the same standard of living a€” and adding even more debt to buy a house in an expensive neighborhood and to send their kids to private school and then to college.
For most couples, the only way to cover the mortgage, car loans, and other debt is for both spouses to work, and still they are stretched too thin.
Recognizing some of these early warning signs of financial trouble identified by the National Foundation for Credit Counseling (NFCC) could prevent you from suffocating under mounting debt. But if you're not paying that credit card bill in full each month, you're paying way more than that free airline ticket or stereo would be worth.) a€? You're skipping payments on one debt to make payments on another bill. Depending on the creditors' policies and your situation, credit and payment history, you may be able to negotiate your next payment or a lower interest rate. Remember, your creditors would rather keep you as a customer than lose you to bankruptcy and foreclosure.



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