8 Things to Know About Refinancing Student Loans

by Lauren Bowling on March 4, 2015

Refinancing Student Loans

Ideally, you’ll never need to refinance, but in reality, life happens. If you find yourself struggling to pay back federal or private student loans, refinancing may be an excellent option for you. Much like the research you did before applying for assistance in the beginning; there are several things you need to know before considering this solution.

Forget What You Previously Knew About Loans

Consider this a completely separate ordeal from your original student loan. Refinancing means you will be submitting a fresh application and entering another legally binding contract with its own set of terms and conditions. This means you need to ask more questions, do more research, and unfortunately, read even more fine print. Treat this as a completely new endeavor and you won’t feel the need to “auto-pilot” through it and miss something important.

Also Read: Student Loan Debt Causes Problems for Students and Parents 

Qualifying Schools

Certain banks may choose not to lend to you if you have attended a private for-profit university, community college or certificate program. This is certainly not the golden rule of every financial lending institution, but be sure to ask if the school you were enrolled in disqualifies you as a potential refinancing candidate.

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How Do I Forecast Profits for My Business?

by Sean Bryant on March 2, 2015

Forecasting Profits

When planning to forecast your income for the next year, you must skip all the dreams existing in your mind and immerse in clear commercial calculations. It doesn’t matter if you are a beginner or an experienced business owner, forecasting is a must-do.

Real entrepreneurs who have already achieved commercial heights never rely on luck – they prefer to gain success using their own brains and skills. Some of them are staffed by professional marketers to explore new market niches and find flexible financing solutions. The conclusion is the following: forecasting costs and profits should be made first and foremost! Any commercial success is far from simple luck. It is the result of carefully thought-out actions of the entrepreneur. Many business owners create a business with zero or low returns, hoping that sometimes things will get better. Usually this “sometimes” never comes. Business must bring money every single day – otherwise, it makes no sense to start it. Therefore, it is important to engage in forecasting expenses and profits.

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Saving Money: Small Changes for Big Results

by Sean Bryant on February 27, 2015

Saving Money

We all know that we need to save money but, for those of us who have been playing the savings game, sometimes cutting out our daily latte and making our own lunches, just won’t cut it anymore. The good news is that there are things you can do now that will help save money later. These simple actions can reap big rewards in future.

Proper Car Maintenance

Getting those little maintenance tasks done regularly can save you a lot in terms of expensive car repairs later on and makes your car more efficient and safer. Take your tires for example – studies by the NHTSA show that worn tires can increase the chance of being involved in an accident by 23.6 percent.

It makes sense then to regularly check your tire tread and to start looking for replacements before they become worn. Tires don’t need to cost a fortune but should be of good quality.

Take BF Goodrich touring tires, for example. These tires are good value for your money because they improve the way the car handles in both wet and dry conditions, score high in terms of comfort and looks, and are built to last. Save money in the future by getting tires that have a longer tread life.

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How Better Laundry Habits Can Cut Your Power Bill

by Sean Bryant on February 26, 2015

Laundry Habits

Finding small ways to save energy is vital to conservation — in the process of changing a few habits, you will not only benefit the environment but also save money on your energy bills. Want proof? Consider the laundry room. For most homeowners, the laundry is a perfect place to start in terms of energy savings. Because you’re washing clothes and linens on a regular basis, you’re using a great deal of water and power in the process. So taking a few small steps to lower your energy use can make a big difference. With that in mind, here are five examples of how you can move toward better energy usage in the laundry room now:

Swap Cold for Hot Water in Cycles: It’s probably no surprise that the bulk of energy costs in the laundry room relate to heating water. And yet, believe it or not, most loads of laundry don’t require hot water for true sanitation and cleanliness. Thanks to modern detergents and items only being worn a few times before being washed, cold water can usually do the job — with less energy. So try to save the hot water for your heaviest, dirtiest loads, and you’ll effectively lower your overall energy needs.

Wash Full Loads: Save your laundry until you’ve got a legitimately full load, and you can make the most of each cycle. The fact is it takes about the same about of energy to run a small load or a large one, so you’ll get more out of a full load, energy-wise, every time. However, don’t overload your machine — that actually wastes energy because items likely will take much longer to dry.

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Keeping Your Wardrobe Up to Date

by Sean Bryant on February 23, 2015

Wardrobe

For most people, changing seasons means spring cleaning, mowing the lawn, planting flowers or prepping for beach vacations. For others, however, it’s all about getting the most recent seasonal look. It’s an opportunity to make sure your style is up to date with new trends, inspired by the runway, street style, or what friends are wearing.

Closet Makeover

The first step to making sure your wardrobe is modern and fresh isn’t throwing away everything in your closet. According to Youth Voices, fashion trends are currently cycling at “hyper speed,” with trends rising, reaching a crescendo and then dropping back into obscurity within a couple months. These trends come back around every few seasons, with the same colors and cuts blasting back into the popular scene every couple years. This is the biggest reason to hold onto your old wardrobe (provided it still fits), and the easiest way to stay up to date without buying all new clothes every three or four months.

The thing to do is a little trick called “closet spelunking,” an in-house fashion adventure that you can do in four easy steps:

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3 Tips to Build Your Wealth While the Economy Is Good

February 20, 2015
Building Your Wealth While the Economy is Good

The U.S. unemployment rate for December 2014 was 5.6 percent, the lowest since June of 2008, according to the Bureau of Labor Statistics. Hiring has also been strong for the past several months, and gas prices remain at their lowest levels since 2009. Current economic conditions are helping Americans recover from the damage suffered during […]

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How to Double Your Salary in the Next Two Years?

February 16, 2015
How to double your salary in the next two years

If you’re reading the headline and saying, “No” then you must have a pretty good reason (perhaps you’re planning to retire soon, I don’t know). But for most of us, the answer to that question would be a resounding, “YES!” In the next few hundred words, I will give you the exact details that you […]

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