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
Options of E-commerce Order Fulfillment
With the Internet boom, e-commerce is a top-notch activity requiring more often a fulfillment service. If you take online orders, an order fulfillment service can help you enormously, saving you from the tedious packing and shipping process that is probably not your core competency, as you probably have not had the experience of a fulfillment company you can partner with.By means of drop shipping, a form of blind shipping of merchandise from the manufacturer to the end-user, fulfillment companies are the helpful hand saving your time. Otherwise, you would have to forward to the end-user the merchandise and the lack of experience on this process may increase your costs and cause delay.Because time can make the difference between a successful e-commerce business and another closing sooner than you expected time, the choice of your fulfillment company is an important decision that you must analyze. Starting with the advantage of having your inventory stored off-site, order fulfillment enables the small e-commerce owner to store a larger quantity and variety of inventory.The fulfillment service will be in charge to receive and organize your inventory in its land-based storage service, while you will be able to log in through the fulfillment company’s web-based interface to check your current inventory and the drop shipping history of each item. Many online e-commerce sites and small retailers use drop shipment to close their deals, as an example, eBay sellers.Order fulfillment can be tracked online and even automated, accepting shipping requests via your web-based application, emailing the invoices generated directly to the fulfillment company’s storage center, from where the shipping request is received, and the items ordered are automatically packaged and shipped to the customer, in fact, a drop shipping process.Outsourcing your order fulfillment is convenient, even if you are just an individual running a small e-commerce website. A fulfillment company for small commerce sites, independent vendors and individuals willing to start an e-commerce activity, will be pleased to reply to all your enquires related to order fulfillment and drop shipping, as well as its overall fulfillment service.A few factors to consider when selecting a drop shipping and fulfillment company is the location of the fulfillment service, size of the storage facilities, shipping options provided, turn-around time, order fulfillment, communication between the company, the distributor and customer service, error rate managed by the company as well as the gross costs of the service.More than storage, shipping costs are the highest item within e-commerce order fulfillment, so make sure to find a fulfillment company offering you a savings in delivery, and depending on your e-commerce approach, verify if the company provides domestic and international shipping, returns processing, secure payment gateway, electronic support, online ordering, reporting and tracking, as well as a customer service call center.Copyright @2006, 4th Media CorporationYou have permission to publish this article electronically free of charge, as long as the bylines and links in the body of the article and the bylines are included.
Fashion Development – A Historical Exposition
Fashion has been an age long phenomenon that has always surfaced in every human society across the world. Human beings all over the world have great need to cover themselves and also makeup in order to look good. Fashion trends have always showcased in every nation on a regular basis. Different kinds of fashion accessories and other fashion related products have continued to be in great demand all over the world.Actually, fashion development has been a progressive thing. Generally, the term fashion refers to popular styles and practices seen in the area of clothing, makeup, footwear, furniture and accessories. However, the term mainly refers to clothing, makeup and accessories when considered in a strict sense. The development of fashion can be considered in four major phases namely, ancient, medieval, industrial revolution and contemporary phases. Let’s examine each phase.Ancient Phase
Fashion development in the ancient phase dates back to the pre-historic era when people made use of local materials in producing the cloths they put on. In those days, animal skin and fur were mainly used. This was seen in ancient historical era of various cultures of the world. In the ancient era, cultural traditions influence the kind of styles and patterns used in the production of local wears. There was no widely accepted pattern or approach used. Clothing materials were either homemade or handmade.Medieval Phase
The medieval phase in fashion development made a great impact in the history of fashion all over world. The era witnessed the emergence of local tailors and other dressmakers who used local fabrics in the production of different kinds of fashion attires. Fashion production in the period continued to improve from one level to the other. The renaissance period of 14th to 16th centuries that marked the end of the middle ages also made great impact in fashion development. During this period, great ideas about fashion started springing up in the lives of great men and women who later become famous fashion designers.Industrial Revolution Phase
Fashion development got a huge boost during the period of industrial revolution that swept across Europe and America in the 18th century. It was a great period of change which saw the introduction of diverse methods of production. There was a widespread adoption of diverse kinds of industrial methods of mass production in the era. Mass production of fashion products became the order of the day in the period. Several big fashion firms emerged both in Europe and in the US during the era. Diverse kind of approaches and patters were also introduced in fashion production during the period. Several attires, wears and fashion accessories were also produced. Great fashion designers also emerged during the era.The Contemporary Phase
After the industrial revolution, the contemporary period came to the fore. It all started in the early 20th century and also entered into the modern day era as well. Fashion development in this era has actually reached its pinnacle. The world is now witnessing the establishment of fashion plants in various countries. Great manufacturers of fashion products have also emerged. Sophisticated sewing machines and other tools have been invented for mass production of fashion products. Diverse kinds of approaches and patterns are also introduced in the fashion industry. Many countries now import and also export fashion products.In all, fashion development is indeed a continuous process. It moves from one stage to the order. The world is now witnessing the development of fashion in the ever dynamic internet technology. Lots of fashion designers and their companies now operate online. The future is indeed very bright for fashion production across the world.