Financial Concerns in a Post-Graduate World

Post Graduate Financial ConcernsIf you’ve earned a college degree, you know how difficult and time-consuming it can be to gain a higher-education. The obvious objective is to become educated in a variety of areas, both in your field of study and in general topics of interest. The second objective is often overlooked, and that is to learn how to effectively manage life on your own. When your education goals have finally been achieved, it’s time to move on to a life outside of college and that requires a new way of thinking and comes with a completely new set of responsibilities. Continue

Credit Card Options for Teenagers & Students

first-credit-card-optionsAs a participant on numerous credit-related forums and Q & A boards, I constantly answer questions from teenagers and students about applying for their first credit card. The overwhelming majority are unsure about how old they need to be, what they need to qualify and what options are available to help them build their credit. First of all, let me preface this article by stating that YOU SHOULD NOT APPLY FOR A CREDIT CARD until you’re ready to handle the responsibility of good financial management. Even if you can qualify for a credit card, it doesn’t mean that you should get one or that you’re ready to borrow money, manage payments and take on debt. If you think you’re actually ready for the challenge of managing your first credit card, here are some things you need to know. Continue

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