Online is the best way for real estate marketing

Few years before I have seen that real estate market has been destroy completely. Public were loosing their home due to loss of their job. Now the time has come to look into it & try to recover the real estate market. There are many ways for real estate marketing but I personally feel that online is the best way for it.

Generally people are searching the internet for finding the information on this subject. It is very important that you need to find that what the actual requirement of the client is. Which is the keyword clients are using for finding there home or property? What is the volume of the clients those who are searching the property through online.

Now this is your turn, you have started the online real estate marketing. So, 1st of all you need to create one of your company’s website where you will describe each and every aspects of your company. Where you will provide the property, what type of facility you are providing to the clients, cost of those properties & make your site very simple but informative. Another important point is creating your contact page where you just make your all contact informative very crystal clear. So, finally after creating the site you have ready for the real estate business.

As we all know that online marketing is very easy now but the competition is really very tough here. Because apart from your site there are lots of other websites, they are also providing the same service which we are providing. So, through market research make your site more informative with the combination of good catchy facilities. Which will easily attract the visitors / clients?

Another important point is search engine optimization where the entire search engines are following your site. And there are marking your website as per the visitors, genuine information & internal updates of the site. In this way your site is getting rank I the Google & also in other search engine. Now if your site is in a good position on search engine basis then you will get good clients.

Now last but not the lists if your one of the clients is not satisfy with your service then don’t let them go. Tell some other attractive options to them. In this way you will create one trust in the online industry & also get the good reputation. So, why are you waiting for those who have decided to start your online real estate marketing…this article may help them. All the best from my end.

How to Finance your Online Business

There are plenty of ways to finance an online business. We look at the best ways to get funding for your online business venture.

One well-liked way of funding a business venture is to simply sell your products and services on the web, make a profit, keep the profit in the business and use the profit to fund the next phase of the business. You can use a b2bmarketing agency for advertising. This should help to make sure that your business is always profitable. It means that your business cannot easily over expand and that growth is restricted. It is low risk and implies that if your business fails, you will not end up losing your home. It also means that you do anything you can to keep your overheads as low as possibly.

Many people use a part or all of their savings to keep things moving. While they do not put their savings straight away into the business they live off their savings, while not taking a salary from the business. Some use their redundancy cheque to fund their company. It’s what many people use to keep things going while the business is in its early stages.

And yes, the classic way of funding a small business was from relations, and acquaintances. Of these, family is often a fine way to assist you getting going. They can help with the early stage and tend to need only a high level overview of the business.

You have another job, or your partner has a job which supports you monetarily while your business gets up and running. The noticeable shortcoming is that if you are working, you will not be able to assign all of your time to the new business, but is one path that many of you are forced to take.

You can also try taking a bank Loan. Bank loans are a very common way of getting your business going. These can either be a business loan or a personal loan. In many ways these amount to the same stuffs as most business loans require that you put up some collateral like your house or business premises before they will lend to you. However, this type of loan is actually a very good option.

So those were some of the ways of keeping your online business dreams a reality. Try it and you will have a good chance of becoming a successful internet entrepreneur.

Explore yourself in the stock market…..Free tips for you.

Here fixed rate mortgage loans are very common because here you need to pay one fixed amount every month. But adjustable rate mortgage are the smart way for you to go. Because here it will not go up & down like fixed rate mortgage. And it has one capacity after that it will not allow.

Apart from these above two there are some other home loans available in the market. But if you want to go for commercial loans then you need to search the market because for some loans you can pay low payment for the first year & after that when your business will go well then it suppose to increase.

Finally you can talk to your broker regarding this & find the best mortgage loan for you.

Do you think this is the right mortgage for you?

If you are planning to purchase your dream house or any property for business purpose but you don’t have the basic mortgage knowledge regarding this, then you need to go to the mortgage department of your concern bank.

When you will search for the mortgage loan you will get so many options & all the options are some extent different between each other. So, here you need to decide on the basis of your job, your earnings & also your payment ideas.

Good budget plan is very important for recovery of any mortgage loans. In this case few people will change the monthly payment due the changes of interest rate.

Do you think this is the right mortgage for you?

Here fixed rate mortgage loans are very common because here you need to pay one fixed amount every month. But adjustable rate mortgage are the smart way for you to go. Because here it will not go up & down like fixed rate mortgage. And it has one capacity after that it will not allow.

Apart from these above two there are some other home loans available in the market. But if you want to go for commercial loans then you need to search the market because for some loans you can pay low payment for the first year & after that when your business will go well then it suppose to increase.

Finally you can talk to your broker regarding this & find the best mortgage loan for you.

Let your family members know about your present financial problems.

Let your family members know about your present financial problems.

Don’t sit silent while you are facing financial problems. There is no need to shout in the public place. Let your family know about your present situation. They have right to know about your problems apart from this you will get the mental support from them too. So, discuss your problems & try to find the solutions to come out from there. In the mean time you may find that your some of your friends & relatives are also facing the same problem. In this way some of your close ones will share their experiences when they were facing the same financial problems, how they over come that & celebrate the success.

After getting all the information you can boost yourself & do your money management with the help of your support team. Apart from this you can read good finance articles for good tips & even you can join some finance class also.

Buying expensive things, it doesn’t mean that you are very successful. That is good which will make your family members happier. To be a successful person you need to be good parent, good friend, good spouse or finally a good human being. The reason behind this is always money will not give your some of the good things in life. This will go with you till the last of your life.

Your friends & family members need to know one thing that not expect to pay off all of their high-interest debts, build healthy saving accounts, and have large sum of money in their wallets by next week. Because all of these things are completely depends on your financial situation. Reason is to solve the debt problems it may take months & even years also. But if you are serious about this issue then you will find the gradual improvement & you can easily fix up your money problem.

Prepare your budget for upcoming Christmas.

Many ways are there to set up your budget before Christmas. The best way is you need to start it as early as possible. So, you need to make your Christmas gift list now as it is two months away. Here are few tips to make your Christmas budget.

After making the gift list you need to specify your budget in aspects of each gift. And try to stick on it. If you want then you can mention the specific amount of each gift.

Here is another way as if you are sharing gifts with your siblings & their children. Then you can talk with your brother or sister that this year all the presents are only for the children. So that you can save from one side.

Regarding decorations use those items which you have been used last year & just change the places then it will look very new. Apart from this try to make involve your entire family for decorations.

As Christmas cards are very expensive. So, try to make online Christmas cards or send e-cards to your friends & relatives. And also you just use those gift bags which you got last year from your friends & relatives to send new gifts.

Try to purchase all the gifts with cash. Avoid using credit cards as it will create some new debts. So, it will increase your total debts.

If you love to bake then just purchase some baskets. Now fill all the baskets with cakes & teas. As this will be good gift in this Christmas.

And try to get all the shopping info from internet because here also you will able to save money. As if you will visit one shop to another then you need to pay conveyance charges but if you will get the full information of shopping then it will help you to get the desire things easily.

So, start saving money now & prepare your all the important lists to make your upcoming Christmas rocking. All the best from my end. And wishing you a Very Happy Christmas in advance.

Have issue paying your due bills? Payday loan is a best solution to hook you up with extra $1000.

Today the financial situation in our country is the worst. Lots of Americans find them selves in the money emergency or financial problem to keep paying due bills, mortgages, car payments and other expenses. But what to do who going to help? The best thing is get your self a better job, but its not easy today, so I recommend you to apply for payday loan cash advance online, so you can keep paying your bills, or get some money for a Christmas.

Why this is the best solution? Payday loan cash advance, because its really easy on requirements - its mean no faxing, no credit, nothing - just few short questions and no waiting for approve (approx. 5-10 sec). Americas fastest payday loan cash advance online, so we save you more money on fee and its timeless. Take a try and receive your money right away, best 2009 online solutions, satisfaction guarantee.

We are largest payday loan cash advance company and has a huge experience, millions of satisfied customers. We provide our payday advance nationwide, simple system - great benefits. Use our web to apply online for your cash advance payday loan, its fully safe and secured, trusted by millions of Americans.

So If you in some type of emergency and you need some money to paid your expenses or other stuff, try our best online payday loan cash advance solution. We provide you with $1,000 dollars, absolutely easy and no waiting for you, so you can enjoy the money or paid your stuff instantly. Ez payday loan cash advance wish you a Merry Christmas, and provide each customer with a Christmas special or gift, apply today for a cash advance payday loan.

How to Reduce Food Cost

Amid the crisis, the price of any product and service are increasing; meanwhile, your salary is not increasing. We should thrift some expense to avoid from bankrupt. One of our expenses is food cost. Some people tend to spend much money for it.

Food is essential for our body and we will die if we are not eat it. It is impossible to delete the food cost in our life.Therefore, you should thrift food cost. There are some ways to reduce the food costs.

1. Eating in house

Eating in house thrift your money and make your body health. Eating in house does not need to go out with your car which need gasoline so you will cut gasoline expenses too. Eating in house will not be charged with tax too.

2. Cooking in your house

Cooking in your house will thrift some buck because you do not need pay the service of a chef. Cook any food that safe for your health. For Example, avoid sugar If you suffers diabetics or reduce salt if you suffers hypertensive.

3. Buy the food at groceries

Buying food at groceries could cut some money. Get some groceries coupon to buy the product.

4. Bring lunch box to your office. I often bring lunch box from my house and eat it at my office. My office provides table for it.

5. Buy the food in bulk. Some shop or groceries give discount if you buy in bulk. As long your refrigerator works well, you can storage your food at it.

6. Plant some vegetables or fruit at your backyard. When the fruit or vegetable is ripe, you can use it for your food. Beside as the food source, the plant make your house green.

Direct Payday Lenders Solve Cash Emergencies

Direct Payday Lenders

Cash emergencies happens sometimes. Even if you are very careful with your expenses, you can get in such a situation. It is possible that your home improvement may be needed or that someone in the family is sick. Such situations will call for unexpected expenses that may go beyond your budget. It is very crucial that you really know what your options are during cash emergencies.

For you better to get to know the direct payday that you can call out to. Getting payday loan today is a common event for people. It allows them to get a cash so that they are able to get by even if their pay days are still a several days far. There are certain advantages if you choose to get a payday loan. Lenders in general provide requirements that are within the capacity of the borrowers. Very convenient to access them because most of direct payday lenders can be found in interenet. All you need is a computer and a net access. Make few searches and you will find lots of direct payday lenders.

Payday loans that got online are also helpful to people with bad credit. Most payday lenders do not look at the history of the applicant. If the requirements are fully complied with, then payday loan can be approved easily. Don’t worry about that you may get turned down.

Choosing Payday Lenders

Choosing payday lending company, you can make good use of some tips that will help you get the most favorable option.

First thing - get to know the deals offered by direct lender. You must look for low interest rate and minimal charges offered. It can be the most favorable because you get payday loan with less money to pay out. You can also make good use of extended period of payment, especially if you think that cash will not come soon.

You can also review the terms and conditions. Low interest rates sometimes can attract you. However, it is possible that they have such condition that you still end up paying high in the end. Just learn well the terms so that you will not fall on technicalities that will consume your money.

You should also get a reputable direct payday lender. There are many payday lending companies today. You can even get lost in their various offers. It is best to seek the ones that are reputable and reliable. Avoid those payday lenders that may only deceive you. The more reliable lenders will display the essential information to their clients. They will reveal to you the interest rates and conditions. Be sure you get the services of reputable direct payday lenders to ensure your security in the deal.

Happy New Year to All ....Hope you all will get a good Financial Year ahead.

HAPPY NEW YEAR to all of my friends. Wishing you a very fruitful financial year ahead. I Hope you all will wish the same for me. In 2009 we have got something & loose something too financial. And i know that you all have learn some lesson from there.

So, friends what is your financial resolution this year. Whether you are investing somewhere or plan to extent your business. I really want to know. And Financial resolution is what ever financial steps i will take throughout this 2010 i will take it very carefully. And beside this for everything i have to tally with the entire market for its future prospect. I want to suggest you guys the same.

Due to the recession last year beginning was not so good for all of us. But this year market is near about stable. So, hope everything will go fine.

So, guys just boost yourself & face this new year financial & expect the unexpected profit. All the best from my end. But all of you please share your financial resolutions of this new year through comment below.

Here is your money management tips for 2010.

Saving is not very difficult as it sounds. Actually I am not making you afraid that if you will not saving then it will kill you before the world ends at 2012 nothing like that. Actually here are few suggestions how you can save more than your expectation in 2010.

1. Just calculate the total amount which you are spending for your kitchen paper. Instead of using kitchen papers use cloth napkins. Because you can use it after wash. So in this way you may save near about $75 to $80 a year.

2. If all of your family members are working then you just unplug your cable connection. Because it’s wasting of your money and you may able to save approx $500 plus per year.

3. Regarding electronic gadgets we are generally using digital camera. So, if your are using this lot then just use rechargeable batteries. It will save your money.

4. If your family members have mobile phones then why are you using land phone connection? I have disconnected my land connection & also using skype. In this way you will able to save.

5. As we know that chopped & shredded vegetables, fruits, cheese, fish & meat much more costly then the un-chopped. So, purchase un-chopped instead of buying chopped. And do it yourself at your home.

6. Try to find the ways of exercise which is free of cost like free hand, yoga etc. & stop going to gym. Because we paid a good amount to our respective gym through out the year. So, in this way you may save more than $250 per year.

7. Try to avoid printer, ok if it is not possible then don’t use it unnecessarily. Because the ink cartridges are very costly. And save more than $65 to $70 per year.

Here is one important announcement all the above 8 points out of the hundred. You can start more saving with the help of these points & I am sure you all get more effective points to save. So, I am expecting some reply with some other important points. Waiting for your reply and wishing you happy financial year 2010 ahead.

We are Debt free! Its sounds very interesting in this financial situation.

We're Debt free! everyone want to say this but it is not easy to say for those who are suffering from debt problems. But now there are huge number of financial companies available those who are providing debt free service. Actually they will consolidate your debts with some percent of charges.

Now the question is "Will it really helpful for us?" & "How long it will take?" So, in this case I feel we need to know the information from the experience person those who really got some help from them.

Actually we always used to get suggestions & advice to get out of debt problems but we didn't get the to know the real scenario from a experienced person. But today suddenly I got one video from "you tube" while searching the information for my new blog post.

So, just have a look in this video it is really interesting. Thanks "you tube" for this informative video.

So, How was the video? Will it helpful for you guys? Please share your feedback & suggestions. And another thing if you have any this type of experiences please feel free to explore yourself. Have a nice weekend ahead.

Are you working on water, just go for easy boat insurance.

If you are working on water & you do have one boat then just cover it up with safety insurance plan. I mean just go & have one boat insurance plan as per your requirement. Some good & cheap insurance plans are available in the market just go & grap one out of many.

As your boat is an asset & investment too. So, you have to protect it. As similar as your house or car. We need to cover it with insurance if incase something will happen with it.

You can easily take boat insurance with the help of internet. Here you will realize that apart from you there are millions of people invested their amount to secure their boat you are not the only one.

So, now if you will go to the open water then at list you are secure with the help of your insurance. But the final decision you have to take that whether you have it or not.

There is lots of option through out the market. You have to go for the best one. So, you can research online for the maximum benefits.

But something which you need to keep in your mind that your insurance providing company do have good reputation in the market. And their relation with the clients will also be important to know.

If you are not aware about all these things or you don’t have time to find the best boat insurance plans for you then you just go ahead & appoint a insurance instructor for you. Who suppose to help you regarding all the important matter.

If you have already select your insurance provider then just check the client testimonials by clicking their web page link. This will give you a good idea about that insurance provider.

And last & final thing is just choose more than one insurance provider & compare between them & then fix up your decision.

So, hopefully this article will you all to find your best cheap boat insurance. Expected some feedback from your end.

How to Get Financial Freedom: Experts Advice

Dealing with debts is a question of great concern for many of us, some are more successful on that, and some are overwhelmed with the amount of debt they have. Mortgages, student loans, car loans, credit card debts sometimes form a monstrous problem which is very hard to solve. Your success in dealing with debts does depend a lot on your income, but your ability to organize it and your understanding of priorities can do a lot for you.

Some people use debt expert's help, but there is a list of tips you should know, that can save you extra money on expert advices.

Review your credit cards, and select those with the highest interest rates. You should try pay as much as you can on these, while for the other cards you can pay minimal installments for now. When you are done on the payday loans, proceed to all other.

If you have a large car loan, you should definitely think of getting a cheaper one instead.

Look for ways to refinance your mortgage, especially when you have two mortgages. The interest rates are rather low now, so look for a deal with fixed rates, as the things might change soon.

Keep track of all your loans, and make sure you are careful about monthly payments. If you have some spare money, use it for the most expensive loans. Try to devote as much money as you can to your loans.

Looking for a loan for my new business.

Are you planning to startup your own business but you are not going forward due to the shortage of finances. If you are determine about your business projects then you can go for business loans. There are lots of business loans providing companies are there in the market. But before that you need to calculate your affordability that how much will you be able to reply back with in time. So, now just go and take the best business loans among the all.

Business loan is one of the famous loan in the market. So, don’t worry about the money requirement for your dream business. Only repayment matter & “are you getting profits from your business” these two things you need to keep in your mind. Then rest of the things will go automatically.

As there are two types of business loans are available in the market. These are secured loan & unsecured loans. In secured loan you need to keep your fixed assets as the guarantee of that loan. Here you will get huge amount & repayment timing is also good & the interest rate is also under control.

And unsecured loan is good for those who don’t have any house to live. And here the loan amount of also not so huge & the repaymenttime is also very short. Beside this the interest rate is also huge.

But before taking the right business loan you need to do a proper research for finding the best for you. Some of the lenders will give you some extra discounts or low interest rate but there may be some hidden terms & conditions will show you some trouble in future. So, all the best from my end I suppose you will get the right business loans for you.

Tips for Monthly Budgeting of Home Expenditures

One of the most demanding tasks to be carried out to attain financial autonomy is to plan a month to month budget for home funds. The following are some tips for budgeting your home spending. People are often very keen about home funds. And the usual advice for them is to start with budgeting for each month and to plan ahead. However many folks new to monthly budgeting find it tricky to know what costs are going to come up.

Starting the Monthly Budget

To start with, you should produce a budgeting structure that considers all cash that comes in and all the money that gets spent. You can start by keeping aside cash for fixed monthly expenditures. This includes Student loans, Car payments, and other mortgage costs. As these do not change, it is quite easy to estimate. However, there are certain other expenditures that may not be consistent every month. For such costs, you should look back at previous months records to find out an average sum to put in your budget. Sometimes it can be hard to plan an exact sum for stuffs like groceries; however you can come up with approximate estimates. It is also a good idea to do an on-line credit check.

For the first two months, you should plan somewhat on the higher side of the average so that you will have sufficient cash to pay all the bills. If you find that the bill amounts are lower, you can save the extra cash and use it for the next month in case the bills are higher. If you find that there money left over frequently, then the amount you budgeted is too high; it should be adjusted accordingly.

Next, you should look for any upcoming social events such as birthdays, holidays, parties, etc. Your budget should keep aside a particular sum for gifts, party expenses, travel expenses, etc. If you have any big bills such as property tax for example, you should break it down to monthly amounts and set it aside to shell out when the payment is due.

Things can look tricky if you are new to the idea of monthly budgeting, nevertheless it gets easier to plan ahead for future expenses. So go ahead, get a paper and a calculator now and start doing the estimates.

Different types of cost with details

When we are categorize a product according to its cost we need to know what type of cost it is. Here is the details below....

Direct Costs : This costs is directly attached with the product. Few direct costs will create the full costs of a particular product. Here the example will be tyers cost will be direct cast in an automobile company.

Indirect Costs : This cost you will not able to calculate on aspects of a particular product. Actually it is some uncertain costs which is immeasurable like the extra labour cost, damarage costs etc. So, this type of costs will be calculated in aspect of a companies total production not on a particular product or production.

Fixed Cost :This cost is certain. Because while you are going for a production you need to purchase raw materials & For that reason you have fix one charges which is non changeable. Because the raw materials is important to start a production. Example : Glass is a raw material for a mirror factory. So, Costs of glass is fixed cost for that mirror factory.

Variable Costs :This cost is depends on the situation. It may increase or decrease. So, the selling price of a particular product will some extent depends on the variable cost.

Relevant Cost : This is not directly related to the selling price but partially related. If costs are directly related to the production then that is relevant cost.

Irrelevant costs :This is not related to the production but this is also an unseperatable expenses which is called irrelevant costs.

So, these above mention costs will make the total production cost.

Office insurance - choosing the right sums insured for your portable equipment cover

Most business insurance companies will have a range of different policies aimed at different types of trades. The reason being that they understand that there are slightly different risks associated with different types of activities. The basic cover that is provided under most policies is very similar.

If you can imagine that the skeleton of a body is the basic cover, then the flesh on the bones is the slightly differing types of cover. The skeleton cover is usually cover for business buildings, assets, stock, computers and liability covers. Whether you are a salon, pub, shop or manufacturer, whilst there is not a legal requirement for all of these covers, you will need them. As a result they are included in commercial policies.

When you look for an office insurance quote, the covers we have mentioned will be included. Stock is the only one that is not always required as most offices do not necessarily include stock. But, if for example you are in it contractor operating from an office premises then there are likely to be times when you have stock and equipment delivered to you, which you will then install into a third party location.

One of the additional covers you will need for your office is portable equipment. When you look for a quote, or discuss your renewal, one of the things your broker will always ask you for is the value of your business contents. This is not the cost price that you paid, but the actual replacement cost in 2010. If you have been trading fro a few years, think back to when you first bought your PC's and/'or flat screen monitors. A standard PC was usually nearer to £1,000 and a good sized flat screen would set you back about half that. Nowadays though you can walk into most supermarkets and pick up a PC (with huge memory and RAM) and a minimum 19 inch monitor for less than £500.

So, you need to work out the value of your contents, to ensure that you are not paying too much. On the other hand though, it is the portable equipment (laptops, netbooks, PDA's and smartphones) that tend to hold their value more. This is usually because they are replaced quicker and with basic supply and demand economics, people will pay for these items because they are usually cutting edge technology.

Your office contents may be over insured and your portable equipment, may be under insured. If you have contract mobile phones, then you will find that unless you take out the mobile companies own (sometimes restrictive) cover, then you have to pay the replacement cost of any phones that are lost, stolen or damaged. A basic Iphone may only cost you £20 a month, but to replace it is nearer to £500.

There are two things you need to do, first of all get a proper inventory of every item that your business owns that you plug into the mains power either to run or to charge up. Once you have done this, you then need to put next to each item the cost you paid and how much you would pay out to replace the item. Forget the recession, as we have said before if there is demand for a product then the price to replace can be artificially high.

Then speak to your business insurance broker (because this is the only way you should buy your cover) and get them to thoroughly review all of your sums insured.

Exploring the Brecon Beacons by Car

One of Wales’s three National Parks, the Brecon Beacons National Park is located in South Wales and has become one of the most popular summer tourist destinations in the UK. If you’re unsure of where to go this summer, consider taking a relaxing break away to the Brecon Beacons.

The Brecon Beacons

One of Britain’s breathtaking destinations, the Brecon Beacons is a particularly beautiful area of Wales all year round. From traditional market towns to castles, country walks to stunning landscapes, you are sure to have an enjoyable time in the area. There are a number of activities to partake in whilst you visit, such as visiting castles, exploring caves and admiring the incredible waterfalls - all easy to visit in your car! Whether you’re travelling as a family, a group or perhaps on your own, you won't get lost for things to do or places to visit. The National Park Authority is a great place to start when looking for things to do, as they run a programme of walks, activities and events.

Accommodation in the Brecon Beacons

With accommodation to suit all tastes and wallets, the Brecon Beacons offers a broad range of places to stay. From self catering cottages to hostels, guest houses and inns, you are sure to find the perfect place to stay when you take a trip to the Brecon Beacons. More and more accommodation in the area is being awarded the officially approved 'Green Dragon standard'; so you know you will be in safe hands wherever you stay.

College Students More Dependent on Credit Cards Than Ever

The economic downturn has most Americans tightening their spending habits, but not all. College students are even more dependent upon credit cards, according to a survey conducted by Sallie Mae, the nation's leading provider of student loans. The organization released its survey results last week in its National Study of Usage Rates and Trends. The study focused on undergraduate students ages 18 to 24 who were enrolled in public and private four-year colleges and universities during the spring of 2008.

Sallie Mae found that 84 percent of these students had at least one credit card, up from 76 percent in 2004, the last year the study was conducted.

In addition, these college students are carrying record-high credit card balances with the average balance growing to $3,173, the highest in the decade the study has been conducted -- and in the midst of a recession, according to the survey.

According to the Sallie Mae survey, a student's credit card spending limit depends on their grade level in college. The median debt freshmen carried was $939, while in 2004 it was $373. The undergraduate’s debt nearly tripled. The findings show college seniors are carrying even higher credit card debts, averaging more than $4,100, up from $2,900 in 2004.

About 82 percent of college undergraduates carry balances that incur finance charges each month, according to the Sallie Mae report, while only 1% relies on parents, a spouse or other family member to help pay their bill.

About 92 percent of the students surveyed charged textbooks, school supplies or other direct educational expenses. This is an increase from 85 percent compared to the survey taken 4 years ago. Food, clothing, and cosmetics ranked at the top of other expenses that are charged by undergraduate students.

Written By Kim Phan at: www.bestcreditcards.us