One of the most important things a student who wants a credit card must do is a financial assessment of his/her current situation, research the net and the books, review which one has more rants than raves and question all the people to be involved in this credit card application. It is very important that the student knows everything that he/she is getting into before the actual request.It’s no fun at all applying for a card and just being rejected once or twice. That is why college credit cards were invented, to help small earners like you because you are still in college. But don’t worry what you need to remember is to develop a good credit card history. Since you are starting you just need to be a wait a little. Remember patience is a virtue.Here are certain things you need to remember:- If you have your own place now, remember one thing. PAY YOUR BILLS ON TIME. That will definitely put a star in your potential to be a good credit card owner. Companies will see that and you might just be shocked by the number of companies wanting you as their customer. They will swarm to you like bees to honey.- Credit cards can deceive us to thinking of wealth we don’t really have. Avoid using the card unnecessarily.- Use this card to put an A plus on your credit record.- Make a small financial plan for yourself. Plan what you will be spending and plan how you will be able to pay for it.- Assess yourself and know and how much you can really afford.- Do not over spend. You will just kill your credit record.- Use your card regularly; don’t make it look like it has not been used.- Beware of fees. Especially late fees due to your inability to pay at the due date.- For some credit card companies student cards have no annual fees. Be sure to grab that.- Can help pay for tuition fees.- If at anytime you transfer addresses immediately notify your credit card company so the bills will still be able to get to you at the proper time.- Low interest rates- Not only is this credit card helpful it has a lot of incentives stuck with it. (Like tickets to see MTV shows).Not all good things are meant for you. Things as important as your record need to be acted upon responsibly. If you have a knack for spending a lot or you are already termed as the impulse buyer you might want to give this a second thought. This will only entice you to spend even more. False wealth is never a good option.Having bad credit will cause you even more worries eventually as it will reflect on your credit record. Not only will you have problems with debt, you will also lose a chance for home loans, payday loans and automobile loans.Above all this, know your rights through the Fair Billing Act for Consumers.- If someone stole your card and was used, you will not be legally responsible for what happened. Just remember to immediately report this lost card.- If a certain good or service was ordered but was not received, what ever was charged in your bill will be cancelled.- If someone used your account without your authority you may also let this be cancelled in your account.- If there are any mistakes in your billingNo matter how young you maybe it is not an excuse to act like a kid. Act conscientiously and maturely, know what will pull you down and what will bring you up. Credit records are stuck to your name for a long period of time. You shouldn’t put any blemish in it. If you unluckily did try your best to have it removed in your name.Good credit records will aid you and allow you to be given loans for your house, automobile and payday loans. Starting with your student card and keeping it blemish free will give you more chances to use these loans at the time you will need them. Isn’t that neat? Clean record and better chances of loans in the future. Cool.
For Credit Card Rookies
Brain Nutrition – The Importance of Nourishing Your Greedy Brain
We’ve all heard the phrase “you are what you eat.” When it comes to the brain, our most important organ, this idea that we become what we put into our bodies through nutrition takes on even greater meaning. The importance of brain nutrition becomes quite obvious when we consider a few key factors. The brain consumes a disproportionately large portion of the nutrients ingested by the body. The function of brain cells is heavily impacted by these nutrients available in the brain. The functioning of our brain cells determines how we function. Thus our mood, attention, memory, etc., are all functions of brain nutrition.The Greedy Brain – Why 40 Percent Of All Your Nutritional Intake Is Actually Brain NutritionOur intelligent body knows how important the brain is and so allocates its resources accordingly, allowing the brain to consume a disproportionately large portion of the nutrients we ingest. The brain weighs only 1 to 2 percent of your total body weight, but 20 percent of the air you breathe, 25 percent of your blood flow, 30 percent of the water you ingest, and 40 percent of the nutrition in your bloodstream is sent to be consumed by the brain. This means that 40 percent of your nutritional intake can be directly thought of as brain nutrition.Nutrition’s Powerful Influence Over Brain FunctionNutrients available to the brain have a huge impact on the healthy functioning of our brain cells or neurons. Nutrients affect neuronal function either directly, being metabolized without precursors, or indirectly, by affecting production of other substances in the brain that determine brain cell function.The billions of brain cells or neurons communicate via neurotransmitters — including serotonin, dopamine, and norepinephrine — that send signals through the brain’s complex of pathways. Brain function is determined in large part by the action of these chemical messengers. Losing mental agility in old age, for example, may result from the brain cells’ failing to communicate effectively rather than from cell death. Proper brain nutrition influences the production and action of neurotransmitters. For instance, research shows higher levels of the neurotransmitter dopamine in lab rats that are fed blueberries, which are rich in antioxidants. Dopamine, in turn, is important for cognition, motivation, mood, attention, and learning.Other examples of nutrients which affect brain function include tyrosine, an amino acid found in protein which also supports the action of important neurotransmitters; the mineral magnesium, which can reduce hyperactivity and irritability; and omega-3 fatty acids, which can improve mood, attention, and alertness.Brain Nutrition Is Super Important To Your Well-being And Your LifeThus, nutrition has a huge impact on how we feel, think, and function. Our emotions, our memory, our ability to concentrate and accomplish tasks, and hence our lives are heavily impacted by what we put into our bodies, be it food, nutritional supplements, or drugs.Makes you think twice about eating that big mac or drinking that coke, doesn’t it? Makes you want to check the nutritional information of everything you buy at the grocery store, right? It makes you want to find out exactly what foods and supplements are beneficial for brain function and which are detrimental. You might think to yourself: what a drag! Well, the negative impact of ignorance on your brain is an even bigger drag. Knowledge is power. Now go and use brain nutrition to empower your mind and your life!
Women Who Wear Tight Jeans Can’t Claim Rape?
A man in Australia was found not guilty of raping a woman, by a court jury recently. The jury stated that he could not have taken the victims jeans off by himself, therefore she must have helped and the rape was consensual. The woman was apparently wearing very tight jeans. This is not an isolated case either…In Seoul, a 7 year sentence of a man accused of raping a woman was overturned, because she also was wearing very tight jeans. Another court case in Italy also dealt with a woman wearing tight jeans where supposedly the man could not have raped her without her consent. Fortunately, that case ended in the man being found guilty.What does this mean? Let’s think about this for moment… This means that rapists or perverts are now going to start targeting women with tight jeans because the courts are allowing it. This is a loophole for future rapists! OR perhaps others might say, women need to start wearing tight jeans, in order for them not to get raped? This is all nonsense!Women are not the ones with the problem here, rapists or perverts are to blame. Women should be able to wear any clothing that is appropriate in society. Do you ever hear of men getting raped because some of them wear their pants down to their crack? Why the double standard? Us women need to be aware and watch closely, so that this doesn’t become a trend with courts in the USA!