If You’re Going to Gamble, Here’s How to Do It Responsibly

Screen Shot 2015-09-23 at 11.55.19 PMGambling doesn’t come up all that often in conversations about fiscal responsibility—that is, unless you count the stock market—but the truth is that in certain places in the world, gambling (particularly the electronic variety) is more popular than it’s ever been. With this growing interest, it might be time to have a conversation about how to take part responsibly.

Below are FIVE tips to help guide you through your next casino vacation. Gambling is a great way to spend time with family or to make new friends, and you’ll enjoy it even more if you know how to do it responsibly.

One: Always Remember That the House Wins

You’ve heard it so many times you probably don’t take it seriously anymore: The House always wins. While the laws of probability and chance are mathematical constants and not generally open to interpretation, it’s fair to say that the people who designed your favorite casino games have a better grasp on these constants than you ever will.

So in practical terms, the advice here is not to get swept up in minor victories, or to sit through a series of disappointments waiting for your luck to change.

Two: Don’t Gamble More Than You Want to Lose

It’s a familiar trope in TV shows and movies: the main character bets their last stack of chips, loses miserably, and then goes in search of friends or family to beg money from them instead. “My luck will turn around on the next hand—you’ll see!”

One of the most important things you can do when en route to a casino is to simply allocate a fixed amount of money to your gambling exploits. It should be a sum that will let you enjoy yourself for a while, but not so much that it will bankrupt the rest of your vacation fund. If you don’t trust yourself to stick to this amount, leave your credit cards with someone you trust, or leave it in the car altogether.

Three: It’s Easier to Gamble Responsibly in a Social Setting

Many of life’s best pastimes are social by nature. A morning run is refreshing and rewarding, but a morning run with your significant other is even better. The same thing goes with gambling.

Unless you need to travel alone for business reasons, there’s a good chance you’ll be taking your next trip with friends or loved ones. It’s important to include them if you’re planning to hit the card tables while you’re out on the town. Limiting your gambling to social situations is a great way to stay in touch with your self-control.

Remember: gambling is first and foremost about being entertained, rather than pursuing the next windfall. By keeping your friends close, you’ll remember what you’re there for in the first place. And always remember: if you (or someone you know) is suffering from any of the symptoms of a gambling disorder, it might be time to consider seeking help from a rehabilitation clinic near you.

Investing Young: HOW TO DO IT!

If you are a young recent graduate, it’s probably no surprise to you that investing early often translates into much bigger wealth down the road. What you’re probably a little murky on is just how this is accomplished. Investment is a very deep and diverse field. There are many ways to do it, and many ways to do it well. This article is going to cover some of the ways that starting young will pay off in your investment life, as well as specific advice about how to make it happen for you!

Why Time Matters. A Good investment plan is your partner for life. Not only are you feeding money into it, it is spitting more money back out at you, which can then be reinvested to turn the whole system into a giant financial snowball. This is known as Compound Interest. But compound interest doesn’t just happen; it takes time, the more the better. If you were to put aside $1,000 in an index mutual fund when you were one day old, then take the money when you are 70, you would have something like $416,730. Unfortunately, that’s an inconveniently long time for people to wait for money. Most want their money long before they turn 70, so these investors have to be adding money all along the way. Most investors wish they had started investing earlier in life, to have taken advantage of the long term benefits of compound interest. Once you’re old, you can’t go back in time. But you’re young, so you can start now.

Learning Builds on Itself. Most people start investing in their 20’s or 30’s. If you’re still a teenager, you can get the jump on them by starting now. Using investment broker CMC Markets is one of the best ways to start. It’s all online, it provides a variety of fast-paced investment strategies, and they make available free demo accounts where you can learn without risking any real money. The skills you learn here will cross over to other more long term investments you’ll make for the rest of your life, and if you want to start investing for real money, you can still do that here once you’ve learned the ropes. So try it out, read some books, and pretty soon you’ll have a money-making strategy that can save you a lot of time and effort over the course of your life. You’ll be glad you started young.

As you can see, it pays (literally) to become a young investor. Just think about how many people spend their entire lives working at a job they hate, just to stay financially afloat and provide for retirement. If that doesn’t sound like how you want to spend your life, learn investment. It’ll enable you to live a much more enjoyable life, without worrying about where your next paycheck is going to come from. If you’re even remotely interested, start now. You’ll only get better at it with time, and your early efforts can pay off huge dividends later.

How to Finance Your Next Home Renovation Project

Screen Shot 2015-08-20 at 9.27.58 AMSource: https://flic.kr/p/6x8CeS [via Creative Commons license]

There are three main pieces of business to remember next time you’re thinking about getting the funds together for a remodeling project:

Get the best estimate you can on the total cost of the project

Research the various loan options that are available

Narrow down your choice of lender to the ones who offer the types of loans that meet your needs

Of course, researching these three issues is the hard part. Hopefully, the information below will give you what you need to get started.

How much should you borrow?

As far as first steps go, this is a big one. Any lender you end up dealing with is going to ask for a specific estimate on how much money you’re going to need to borrow. And while this is just that—an estimate—there are steps you can take to make sure it’s as close to reality as possible.

If you’ll be working with a contractor, you’re going to want to ask for a firm bid that separately accounts for both labor and materials.

But things are going to look a bit different if you’re seeking funds for a DIY project. In that case, most of your time will be spent researching the cost of materials. Beyond that, additional expenses will include the purchase or rental of equipment, as well as local permit fees. To address the former, you can usually inquire with local equipment providers to see what kinds of financing options they have available. For the latter, you’ll need to speak with your township or municipality.

It’s also recommended that you include an additional 20-30% to account for any “surprises” as your project takes shape.

What kinds of loans are out there?

Shopping around for a home remodeling loan can be overwhelming; from bank mortgages to credit unions and brokers, there are lots of options out there, and understanding the merits of each will take some time.

Securing a mortgage from a “mainstream” bank won’t be much different from the sort of mortgage you’d take out to purchase a home; they use your home itself as collateral, while the interest on it serves conveniently as a deductible. In many cases, however, they have the distinction of being backed by the Federal Housing Administration (FHA) or the Veterans Administration (VA), which means you have some added muscle in your corner.

Home equity loans, meanwhile, offer many of the marquee features of a regular mortgage, except they omit the sometimes-difficult barrier of closing costs. Like a traditional mortgage, you’ll receive the whole sum of the loan up front and then pay for it over 15 to 30 years. Note that the interest rates are higher for this type of loan, however.

Finally, home-equity lines of credit function much like a credit card would: your lender will work with you to establish a loan ceiling, and it’ll be up to you to borrow as much as you need, up to that limit. This might be the best option for unpredictable projects, since you’ll pay interest on only the portion of your credit line that you use.

Which lender should you chose?

In most cases, your choice of lender will be dictated by the type of loans they offer. If you’re looking to establish a home equity line of credit, you’ll want to start by looking at your own credit union or bank; as an established customer, you’ll enjoy not just lower rates, but the support of an institution you already know and trust.

For anything involving a mortgage or a refinancing option, your best bet will be to talk to a mortgage broker. Brokers typically have more resources to draw from, and so can offer more options for their clients.

Final thoughts

Hopefully this has shed some light on what can be a confusing process. I’ll also take this opportunity to issue a public service announcement: when you’re looking for laborers and contractors, always insist on a company that’s properly insured. The construction industry is listed among the most dangerous industries to work in; as a property owner, you want to make sure any liabilities are properly accounted for before work begins.

Other than that, the last piece of advice is to enjoy the process! It’s not every day you get to plan a renovation project that will enhance not just your home, but your lifestyle.

What Should You Do With Your Accounting Degree?

Accountants know numbers; a simple, but important factor that is necessary to the success of so many. Whether it’s dealing with finances on a business or personal level, having someone available to help keep everything in financial order is valuable. That’s why people want and need a good accountant.

As you decide what kind of career path you want to follow, you can decide what level of an accounting degree is best for your chosen work goals. Of course, this path may change over time, even if you choose to start with the standard education necessary for many entry-level type of accounting jobs.

There are six different levels of accounting education available and each one can help you gain access to a different type of position in the financial world and will arm you with the qualifications necessary to make you a frontrunner in your field. Anyone with an interest in accounting as a career can choose from a:

  • Certificate in Accounting
  • Associate’s in Accounting
  • Bachelors in Accounting
  • Masters in Accounting
  • MBA in Accounting
  • PhD in Accounting

Each level of education builds off the next and while some students decide to pursue these steps in succession, many choose to return to higher learning after already spending years in the work force.

Individuals not familiar with the accounting field may think that every person with an accounting degree wants to be an accountant. However, what you might not realize is the broad selection of jobs available beyond just the one title. The degree doesn’t just prepare you for one general position, but many unique ones.

Corporations often have an entire accounting department made up of several components to cover different areas of the budget, such as payroll services, with each sub-department responsible for their own teams. An accountant may be one part of that department, but it certainly wouldn’t cover everything necessary for a company to run financially smooth. Under the umbrella of a typical accounting setup, positions available may include:

  • Budget Analyst
  • Asset Manager
  • Auditor
  • Controller
  • Projects Accounting Analyst
  • Accounting Clerk

Among these titles, there are also differentiations between junior and senior levels. Meaning that if you go into a company starting as an accounting intern, then most likely there is room for growth within the same company to move up to a higher position with an increased level of pay.

When job searching, do your research on the companies you are interviewing with and determine how much, if any, professional growth opportunity there is. This will help prevent you from feeling stagnant in one position and gives you both short-term and long-term goals to aim for over the course of your career.

If the corporate world doesn’t interest you, an accounting degree also comes in handy if you want to work for a tax firm that helps businesses or individuals during tax season. As you can imagine, this is an in-demand position during the busy tax season. This type of position requires assistance with tax return preparation and helping people analyze forms for accuracy and seeking ways to lower their risk of a tax audit. You can work for a smaller company for this type of position or even self-employed if you already have a handful of clients you have lined up.

One of interesting things about an accounting degree is that it may not seem that an accounting degree directly allows you to help people as other caregiving occupations do, but when it comes to financial health, it certainly does. Generally speaking, everyone needs helps with their taxes not only during tax season, but for the entire fiscal year. By offering tax assistance through a company that offers services like IRS debt relief, you can serve as the go-between for taxpayers as they deal with owed taxes to the IRS.

With an accounting degree, you hold the expertise necessary to ensure that taxpayers have their documents filed on time and if taxes are owed, you can provide options for payment to the IRS—a situation that can be stressful for anyone not used to dealing with numbers and who don’t want to directly communicate with the IRS on their own. Having a financial advocate can help tremendously.

There are several career paths people can follow with the same accounting degree. It’s up to you to decide what you want out of your position. Some jobs require more hours a week, but with a higher pay, while others can provide more flexible freedom with perks that may mean more to you than an actual salary. Weigh the pros and cons of what you want your career to be and keep your options open until you find the perfect fit.

WHY REAL ESTATE INVESTORS SHOULD FOLLOW GLOBAL POPULATION TRENDS.

People in today’s day are very keen on finding different fields where they can invest their hard earn money and earn a profit. Well, it’s obvious that when people have some amount with them which are willing to invest, then they would sure want a field that is sure to yield profits. And one such field currently which is raging and catching the eye of all the investors is the real estate market.

The real estate market these days is blooming so much that it is considered as the most profitable market all over the world. This is a field which the investors are exploring and are indeed having a lot of profits.

But unlike the investment in Gold, where the risk is minimum, real estate isn’t the same. So when we buy gold, we are sure that we are investing in a very safe and secure commodity. Even if after 3 or 4 years, you decide that you want to sell of your gold, you will most probably be in profit and earn more money than you invested. Very rarely will you see a different situation.

But, real estate, people, is different. The investment that we make here is not a very safe and secure one. Well we don’t mean that you might get forged or thugged by someone with the property you buy, but what we mean to say is that this form of investment is a lot more risky.

You might buy a property for 10 lakhs today, chances are that after 5 years the rate of the property might fall down to 5 lakhs depending on the situations there. Well, don’t get taken aback by this statement, because chances are the price of the property might turn into 20 lakhs instead of 10.

So you see, the point that we are trying to explain is that real estate market is extremely dynamic and risky, and one can’t really deal with its changes.

Well, speaking very honestly and not trying to be very diplomatic, we have to share the truth with you. There isn’t one investment one can make and say that this investment will surely be a hit in the real estate market. There is NO assurance in this market.

But there are certain ways through which we can try and make it through it. There are certain precautions and certain measure that we can take from our side to higher the chances of making profits.

And one such measure that any investor should take is to think about the real estate market keeping the global population trend in mind. Didn’t understand? Well, do not worry, we will clarify.

Okay, imagine that you wish to take a property in Kolkata, and you will finally buy it. Now, there will be several people looking for a 1 BHK for rent in Kolkata. You would think that you can easily buy a property in the area considering the current population of that city only. Why do you have to consider the entire global trend?

But that is certainly not true. More or less, the population trend of the entire globe is interlinked and any part of the world cannot be avoided in actually understanding the current population of any particular city.

Just like the population of the city of Kolkata can be judged by the population trends happening in the north eastern states and the other parts of west Bengal, similarly to actually judged the trend of the globe, the trends of population of the entire world has to be considered equally.

Global population trend is a lot broader concept and lets you analyze the situation in a much better way. And as an investor, it is very important for you to know about the entire market thoroughly to make the proper investment.

So here are the ways in which the study of the global population trend can make you a better investor,

Overall knowledge

Global population trends help you understand the entire world, and helps you in doing better investments.

Foresight of the future.

If you know the global trends, you will more or less be sure about what will be the situation of the particular area in the near future.

Helps agents.

It helps the real estate agents a lot. This lets them decide and understand where a particular property will be standing years later and they help you choose better properties for yourself.

So here are the ways how understanding the global population trends can help you understand your local trends and you ultimately end up making good investments.

The Mindfullness Hacks Employed By Wall Street’s Most Successful Bankers

In order to make a difference on Wall Street, the world’s top bankers are turning to mindfulness and meditation. Here are the reasons behind their new secret weapon and the ways that you can get in on the action, too.

1. Make it a point to meditate every morning. At first, start with five minutes. Once you get comfortable with that length of time, increase the duration by one minute. Continue doing this until you can meditate for 20 minutes at a time.

2. Practice yoga. As CNBC reported in 2014, some Wall Street firms even have yoga instructors come into the office to conduct classes. It’s a perk that benefits staff, reduces churn, and keeps traders healthier, which of course helps earnings. Not only will you stretch your body and become more flexible, but you’ll learn deep breathing principles. And among the other benefits, you’ll learn how to focus a wandering mind.

3. Practice deep breathing when you need a quick fix. Deep breathing can be done anywhere, making it one of the easiest forms of mindfulness. Deep breathing helps people tap into the moment, be aware of what’s going on in the present and avoid any worry that’s been associated to either the past or the future.

4. Change. Switch up your mindfulness tactics from time to time. Some people find that the more they practice one single technique, the less affective it becomes.

5. Cheat. Finally, many successful Wall Street bankers attest that Armodafinil has the key to them being able to perform in a stressful environment and throughout long days and nights. Recent reports reveal that it’s also popular in the City of London. In fact, it has been reported that Barack Obama uses it to keep up with the pace in the West Wing.

Even when the market is at its most volatile – or your life is wilder than normal – you’ll be able to stay calm while you react. Keeping your mind cool, calm and collected could also help you to earn more money at work, too.

A lot of bankers who have pressure-filled jobs also say that when they practice mindfulness, it’s easier to switch gears after work and to unwind at night, making it easier to sleep. There have also been numerous studies that show that mindfulness helps alleviate depression and anxiety, as well as reduces the risk of heart disease.

10 Ways to Make Your Marriage Work

Money is the number one cause of fighting in relationships and financial problems play a big role in divorce. Married couples fight about having bad credit, spending too much or too little, applying for cash loans without consulting each other, and investing for the future, not to mention about 100 other money-related topics. If you want your marriage to last and to be a happy one, you need to think about money, talk about money, and come to agreements about money. Here are ten tips that will make your marriage work and prevent money from becoming its demise:

Talk about money. The biggest mistake couples make when it comes to money is not talking about it. Many people never discuss financial issues and this leads to confusion, miscommunication, and a big blow up when things finally come to a head. Talk about money from the very beginning of your relationship. Talk about how much you each earn, your debt, how much you save, and what your future financial goals are. It’s OK if you’re not exactly on the same page, but you need to know where each other stands.

Keep joint and separate accounts. Some people think it’s disloyal to the marriage, but experts will tell you having separate bank accounts is just plain smart. Decide together how much each of you will contribute to the shared account and keep the rest of your earnings in your separate accounts.

Set a spending maximum. You two are individuals, but you also share finances. This means that you should be able to spend a certain amount of money without informing the other, but big expenses should be discussed first. Decide together on a maximum amount, say $100, that each of you is allowed to spend on something without discussing it first. This will eliminate fights about overspending.

Talk about how much you earn. Discussing income isn’t easy for most people. It seems inappropriate. However, being in a partnership means you need to know how much money is coming in. Disparate incomes can make people feel uncomfortable, so open up about it. Get all your feelings about income out in the open. It’s much healthier than harboring resentments or a feeling of inadequacy.

Deal with credit. If one or both of you has bad credit, it could prevent you from buying a home, getting a loan, or saving for your kids’ college funds. Know your credit scores and if either of you has bad credit, start working together now to repair it.

Make a plan for debt. As a married couple, one partner’s debt is another’s. Whether you have managed to stay debt-free or not, if your spouse has debt it’s a problem you both have to deal with. Make a plan together to lower or eliminate debt.

Start saving. At the same time that you are discussing how to manage and get rid of your debt, you should also be talking about how you will save for the future. To do this you need to set goals for short-term and long-term savings and decide together how you’ll get there. You may need to work with a financial planner, especially if it is causing bickering and fighting in your marriage. A planner has the expertise to set you both on the right financial path.

Always discuss cash loans. It can be an easy and sometimes a smart fix to get title loans. This kind of borrowing is quick and simple and can give you a little bit of cash as you need it. Don’t, however, assume that cash loans will be no big deal to your spouse. They may be small loans, but any kind of borrowing is something that affects both of you and should be discussed first.

Live within your means. This is a good rule for anyone, but when you are one half of a couple, possibly with kids involved, it means much more. When you spend more than you can afford, it doesn’t just impact you. It affects your spouse and your family. As a married couple you will be happier if you spend only what you can afford. Decide together what that means.

Splurge sometimes, but do it together. If you both work hard and are financially responsible together, there is no reason you can’t splurge occasionally. The best way to do this is together. When the time is right, spend that money on something you will both enjoy, like a trip. Doing so will strengthen your bond.

Happily married couples communicate about everything, including money. Most of us were taught that it’s impolite to discuss money, but when it comes to your marriage, it’s imperative. Follow these guidelines and be open with each other and you can have a happy, fulfilling marriage that works.

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Renovation Brings Added Value to Home Owners

Personal investments take many forms, from stocks and bonds, to traditional savings accounts. But one of the most significant investments people make covers a function too. Your home is an expensive purchase that holds equity and upside potential, at the same time as it keeps a roof over your head. Like other investments, real property can appreciate and provide bonus returns. Or value can diminish, based on varied factors like market forces and property condition. To make the most of your home owning experience and enjoy comfort and financial security, it is important to take a few proven steps.

Paying the right price for your home sets the stage for financial success, so cash conscious home buyers dedicate themselves to the cause. Once deals are sealed and contracts signed, however, the seller is no longer part of the picture, so each home buyer’s fate is ultimately in his or her hands. Staying atop repairs and maintenance is essential for keeping property values high. And once major home systems are up to snuff, remodeling and renovation projects can add to your home’s value, beyond the investment required to make the improvements.

Positive returns on property investments and a comfortable home life are goals shared by many owners, so proactive projects continually improve form and function for remodelers and DIY home improvement specialists. Consider these financial tangents as you prepare for renovations.

Financing Alternatives

Remodeling costs climb quickly for large-scale projects, and even the simplest DIY efforts require some seed cash to launch. Covering the cost of supplies, labor and materials along the way is a preferred approach for those seeking debt free remodeling projects. When cash is short, however, many home owners turn to credit cards for short-term remodeling cash. Repaid with discipline and regularity, the cost of this form of financing is reasonable, but there is a downside for those unable to wipe the debt quickly. The high cost of interest on balances carried over again and again limits this funding strategy for those without a repayment plan.

For renovation and home improvement projects beyond the scope of cash on hand and high interest credit card financing, various loans foot the bill. Equity loans, for instance, are secured by a home’s value and a positive owner debt ratio. Rates are often reasonable, but eligibility hinges on positive credit references and having built some amount of equity in your home.

Personal loans are not guaranteed by your property, so they are a bit more risky for lenders. You’ll pay more interest than you would for a secured equity loan or line of credit, but the process is fast for well-qualified buyers. Payday loans fill in as short-term home improvement resources, but similar caution must be advised for users, who must pay promptly or add to their credit woes.

Seek Multiple Quotes

Contributing your own labor brings remodeling costs down, but not every homeowner is a handy man or woman. When hiring-out jobs, it is important to give yourself as many references as possible, to evaluate providers and compare services and prices.
The lowest price isn’t always the best value, especially for complex projects needing built-to-last quality. In addition to comparing quotes, a home owner is responsible for vetting contractors and past project outcomes. Repairing damage caused by inept service providers or hassling with legal problems resulting from unfinished jobs are expensive and stressful, so working with a reputable remodeling company is less risky – even if slightly more expensive.

Know the Value of Improvements

There is more than one reason to update your home. Increased comfort or adapting to your evolving lifestyle furnish two likely benefits, but the process can also yield financial gains.

If your mission is to increase your home’s value, perhaps for upcoming sale, you best approach is to invest where returns are guaranteed. Kitchen upgrades, for instance, attract buyers, who perceive added value when modern appliances and amenities are present. Older homes, lacking adequate washrooms, benefit from an added lavatory or updates to existing spaces. If you plan to live in your home for a number of years, every upgrade is beneficial, because it enhances your quality of life. Strictly in terms of positive returns, however, some moves pay off better than others.

Whether it is a small-stage DIY makeover, or an extensive renovation, remodeling adds value to your property. In some cases, benefits are reaped as you continue to enjoy your home. But for motivated owner/investors, cash returns are also possible.

Sending Your Kids to School: Yes You Can!

Every parent dreams of being able to send their kids to college without anybody having to accrue any debt. You start savings accounts for each child when he or she is born, promising to tuck at least a few dollars away for each of them every week, minimum. Then life happens and, even though your intentions are good, your finances are not nearly as lush as you hoped they would be.

Does this mean that your kids are going to be saddled with hundreds of thousands of dollars in debt when they finally get their degrees? Not necessarily! Here are some of the things you can do to reduce the amount of debt you’ll take on when you send your kids to school.

Ambitious Savings Plans

Today you can set up direct deposit to automatically portion out your paycheck across several accounts. You might have already done this–many people set up direct deposit to automatically send 10% of every paycheck into a retirement account.

Set up your direct deposit so that 5% of your paycheck goes into your child’s college savings account. If you have multiple kids, you can reduce the percentage slightly (so long as you don’t drop below 2% per child) to make it more affordable. This way, if you’re taking home, say $50K/year after taxes, you’ll be sending $1000-$2500 to your kids’ college accounts every year automatically.

PRO TIP: When they are old enough, have your kids start working to save up for their own college tuition (to supplement what you’re saving). This will help give them a sense of ownership over the process and will likely make them take their own educations more seriously.

Financial Aid

The higher your kids’ GPAs, the better their chances of obtaining scholarships and grants. It’s worth noting, too, that not all grants and scholarship awards are GPA based. Some are based on individual talents. Others are based upon community service. Some are based on demographic information. (Source: Forbes)

Apply for every single award for which your kids are elligible even if the organization seems lame or you hate the idea of your demographics determining your worthiness. Remember, short of felony robbery, nobody is going to care how your kids’ tuition gets paid. All they’ll care about is that finished degree.

Work-Study

Work study is a program that incentivizes schools and private employers to hire college students while the are still in school. The school (or employer) receives money from the federal government to cover at least a portion of these students’ wages, which is why the application is a part of the FAFSA.

The point of work-study is to reduce the out-of-pocket expenses you have to pay for your child’s tuition and fees. It carries with it, however, the added bonus of giving your son or daughter the chance to beef up his or her resume before graduation.

Speaking of the FAFSA…

Always fill out (or encourage your kids to fill out) a FAFSA. The FAFSA is the Free Application for Federal Student Aid. It is a single application that will allow your son or daughter to apply for a variety of federal and state level grants and loans. When you get your award letter you can choose which parts of it you want to accept (or to accept all of it).

In addition to the FAFSA, as a parent, you might want to consider taking out a Direct Ed loan if you want to help pay for a portion of your child’s education. These loans are obtained via the Department of Education and can be used to supplement or even be used in place of whatever financial aid or loans your child uses to pay for their degree.

Private Loans

For many, taking out private student loans is a last resort. This does not mean, however, that they aren’t worth exploring! A lot of private banks, like Wells Fargo and others, offer competitive low interest rate student loans to people who need to bridge the gap between what they have saved (and awarded) and what the school demands. (Source: SimpleTuition)

Take some time to research the student loans offered by private lenders. Start with your own bank and then compare those rates to others offered by accredited banks (both traditional and web based). It is important that you do your due diligence here. There are a lot of shady lenders out there!

Nobody wants their kids to be burdened with debt. If you try the things we’ve talked about here, you might not be able to guarantee a debt-free graduation, but you should be able to reduce their debt considerably.

The future of bingo is online

There is no doubt that many still enjoy bingo in halls and on nights out with their friends. It is safe to say though the future is new online bingo sites. Online bingo is fast becoming something incredible with so many options, rooms, offers and prizes for people to enjoy. Its safe to say, that people can be utterly spoiled with online bingo.

What makes bingo so great to play online? Players are constantly on the rise and the prizes are growing in size and here’s why…

Social fun

Did you think playing bingo from the comfort of your own how wasn’t sociable? Think again. The fantastic thing about online bingo sites is the fact it opens the door to many social activities. Bingo players unite in forums and chat rooms and discuss the game, discuss tips and also share their winning formulas. Bingo forums are a super way to get to know the best rooms available.

A wider range of audiences

Online bingo attracts a huge variety of people from all walks of life. Bingo has commonly attracted the elderly female but not anymore. With the huge appeal of the many different themed rooms and easy accessibility online bingo pulls in men and women alike from all different countries and age ranges. Not forgetting the more people that are playing, the bigger the jackpots are.

Accessible from a range of devices

Online bingo literally suits anyone and everyone. It can be as private as you like or as sociable as you like. You can access bingo from your smart phone device or tablet or you can play it on your home computer. It’s easy to set up and fun to play and you can literally play it any time of day from anywhere so you can snatch a quick game on your lunch break or put your feet up with a game on the laptop after a long day at work. It suits those with a hectic lifestyle just as much as those with plenty of free time on their hands.

Jackpots, bonus’s and prizes

With so many rooms and so many players online bingo rooms are offering huge jackpots, prizes and bonuses. The beauty of signing up to bingo online is the welcome bonuses. You can receive a huge cash match bonus when you first deposit some cash to play or you can receive free cash to play with to enjoy the bingo rooms for free.

It is pretty evident why people are heading to the Internet to play bingo. Online bingo has so many distinct advantages, which include a superb social aspect, easy accessibility, and the advantage of getting free cash to play with. You get more for your money online and more choice and there really is something for everybody, which is why the future of bingo is online.