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5 Tips to Manage Student Loans

AZ — Tue, 28 Apr 2009 08:38:41 +0000

Here are the 5 Basic tips for students who want to manage their loans without getting in any trouble end of day.

1 – Do not allow your rates of interest to increase. Interest rates of student loans are usually variable and can change annually. Therefore, you should permanently get a lockdown on your rates of interest by getting into consolidation immediately.

2 – Make use of automatic payments. The majority of lenders out there provide reduced rates of interest if your payments in student loans are automatically taken out from your savings or checking account. In the long run, you could save a lot of money this way. Additionally, you will not have to remind yourself to write checks every month and loan payments are sure to be made in a timely basis.

3 – Try very hard not to get behind when it comes to payments. If making your payments for student loans tends to become too troublesome, get into contact with your loan servicer as soon as possible to check if you are eligible for forbearance or deferment. As with other loans, payments on student loans that are made late could affect your overall credit rating.

4 – Pick the ideal option of payment for you. There are several options of payment available to borrowers of student loans that look into consolidation. Payment plans that match your existing financial situation could easily aid in maintaining the loans. You can always switch plans again whenever needed.

5 – Try to get money back from the student loans. Lenders and services will sometimes provide you with incentives in order for you to pay them off on time within a certain time limit. They will then give you money back if you make around ten payments in a row on time.

7 Computer Safety tips for Students

AZ — Fri, 24 Apr 2009 07:39:49 +0000

For every student computer safety is essential. so here i m mentioning some tips to protect you computer. These tips can help protect the computers you use for school from viruses, hackers, spyware, and other attacks.

1 – Basic Computer Safety Maintenance
Before you surf the Web, you should perform three key maintenance steps to help improve the computer’s security. Visit Protect your computer in 4 steps and follow the steps online to:
– Use an Internet firewall.
– Update your computer.
– Use up-to-date antivirus software.
– Use up-to-date antispyware software.

2 – Don’t open files from strangers
E-mail and instant messaging (IM) can spread viruses and worms if you aren’t careful. Most e-mail viruses are spread by people who are tricked into opening an infected file. You should never open a file attached to an e-mail or an instant message unless you recognize the sender and you are expecting the file.

3 – Help fight spam and online scams
You can use technology to help keep junk e-mail from deluging your screen. To see how, read Help keep spam out of your inbox. Phishing is another threat to your privacy that could lead to the theft of your credit card numbers, passwords, account information, or other personal data. To learn more, read Recognize phishing scams and fraudulent e-mails.

4 – Learn how to protect yourself from spyware
If your Web browser has been taken over by pop-up ads, or there are toolbars on your computer that you didn’t download intentionally, your computer might be running spyware. Spyware is software that collects personal information from you without first letting you know what it’s doing, and without asking for your permission.

You might get spyware if you download music or file-sharing programs, free games from sites you don’t trust, or other software programs from a suspicious Web site. If your computer is running Windows Vista you have spyware protection built-in.

5 – Take precautions when you go wireless
Many high school and college campuses have wireless networks, so you can surf the Web in the library, cafeteria, or a classroom. These networks are convenient, but they do come with a security risk. If you set up your own wireless network at home or in your dorm room, read Windows Vista Features Explained: Wireless Networking or Improve the secuirty of your wireless home network with Windows XP and pay special attention to the section on wireless network security. Also read Use public wireless networks more safely to get more tips on WiFi security.

6 – Password protect your computer—and lock it
Passwords are the first line of defense in protecting your computer from criminals, pranksters, or a careless roommate. If you don’t use a password to log on to your computer, anyone can access your computer and unlock it.

Use our tips for building stronger passwords now, and be sure to lock your computer when you’re not using it. To “lock” your Windows computer, hold down “Windows logo key + L.” Follow the instructions on the screen to unlock your computer when you’re ready to use it again.

7 – Back up your work
The image of students losing their term papers because they forgot to back up their work has almost become a cliché. Still, many of us don’t have the time to back up. If you use Windows Vista read Windows Vista Features Explained: Complete PC Backup. If you use Windows XP, you can let the Backup Utility do the work for you. To find out how, read Windows XP Backup Made Easy.

10 Test Taking Tips For Students

AZ — Thu, 02 Apr 2009 06:33:51 +0000

Follow these test tips, and you’ll know you did your best – congratulations!
Here are the top ten tips to success!

1 – Have a Positive Attitude
Approach the big test as you’d approach a giant jigsaw puzzle. It might be tough, but you can do it! A positive attitude goes a long way toward success.

2 – Make a Plan
The week before the test, ask your teacher what the test is going to cover. Is it from the textbook only? Class notes? Can you use your calculator? If you’ve been absent, talk to friends about material you may have missed. Make a list of the most important topics to be covered and use that as a guide when you study. Circle items that you know will require extra time. Be sure to plan extra time to study the most challenging topics.

3 – The Night Before
Cramming doesn’t work. If you’ve followed a study plan, the night before the test you should do a quick review and get to bed early. Remember, your brain and body need sleep to function well, so don’t stay up late!

4 – The Morning of the Test
Did you know that you think better when you have a full stomach? So don’t skip breakfast the morning of the test. Get to school early and do a ten-minute power study right before the test, so your brain is turned on and tuned up.

5 – Test Time
Before the test begins, make sure you have everything you’ll need – scratch paper, extra pencils, your calculator (if you’re allowed to use it). Understand how the test is scored: Do you lose points for incorrect answers? Or is it better to make guesses when you’re not sure of the answer? Read the instructions! You want to make sure you are marking answers correctly.

6 – Manage Your Time
Scan through the test quickly before starting. Answering the easy questions first can be a time saver and a confidence builder. Plus, it saves more time in the end for you to focus on the hard stuff.

7 – I’m Stuck!
Those tricky problems can knock you off balance. Don’t get worried or frustrated. Reread the question to make sure you understand it, and then try to solve it the best way you know how. If you’re still stuck, circle it and move on. You can come back to it later. What if you have no idea about the answer? Review your options and make the best guess you can, but only if you don’t lose points for wrong answers.

8 – Multiple-Choice Questions
The process of elimination can help you choose the correct answer in a multiple-choice question. Start by crossing off the answers that couldn’t be right. Then spend your time focusing on the possible correct choices before selecting your answer.

9 – Neatness Counts
If your 4s look like 9s, it could be a problem. Be sure that your writing is legible and that you erase your mistakes. For machine-scored tests, fill in the spaces carefully.

10 – I’m Done!
Not so fast – when you complete the last item on the test, remember that you’re not done yet. First, check the clock and go back to review your answers, making sure that you didn’t make any careless mistakes (such as putting the right answer in the wrong place or skipping a question). Spend the last remaining minutes going over the hardest problems before you turn in your test.

10 Traveling Tips for Students

AZ — Thu, 26 Mar 2009 04:10:24 +0000

Here we are with 10 traveling tips for students. Well all of us know most of time we dont get trouble while traveling but its good to be prepared for bad situations: If you have some tips to share please tell us in comments. Thanx

10 Traveling Tips for Students

1 - Make sure you have a signed, valid passport and visas, if required. Also, before you go, fill in the emergency information page of your passport!

2 - Read the Consular Information Sheets (and Public Announcements or Travel Warnings, if applicable) for the countries you plan to visit.

3 - Leave copies of your itinerary, passport data page and visas with family or friends at home, so that you can be contacted in case of an emergency. Keep your host program informed of your whereabouts.

4 - Make sure you have insurance that will cover your emergency medical needs (including medical evacuation) while you are overseas. Travel insurance may be necessary if your present health insurance does not cover you in foriegn countries.

5 - Familiarize yourself with local laws and customs of the countries to which you are traveling. Remember, while in a foreign country, you are subject to its laws!

6 - Do not leave your luggage unattended in public areas and never accept packages from strangers.

7 - While abroad, avoid using illicit drugs or drinking excessive amounts of alcoholic beverages, and associating with people who do.

8 - Do not become a target for thieves by wearing conspicuous clothing and expensive jewelry and do not carry excessive amounts of cash or unnecessary credit cards.

9 - Deal only with authorized agents when you exchange money to avoid violating local laws.

10 - When overseas, avoid demonstrations and other situations that may become unruly or where anti-American sentiments may be expressed.

Top 10 Ways to keep your head held High at University

AZ — Sat, 01 Nov 2008 08:29:02 +0000

The first few days of university are an intoxicating whirlwind of new friends, new places and Bacardi Breezers. They can also feel a bit like walking through a minefield – so here are a few hints and tips to help you emerge with your head held high.

1. The sports team night out:
For many it’s the formative experience of higher education, with all the magic ingredients of camaraderie, lager and chicken tikka. Just make sure the naan bread stays on the table. Nick Brereton, 25, a natural sciences postgraduate student at Imperial, remembers: “When I first arrived we had a night out that became known as the Battle of Bengal Cuisine. The starters were just coming in when a food fight started. One of the chefs came out of the kitchen with a massive rolling pin, the whole thing got a bit out of hand, and we ended up getting escorted to the tube station by the police.”

2. The student union election speech:
It’s hustings night, you’ve got your heart set on becoming JCR president, and you’ve got a killer speech memorised. What next? A little drink to calm those nerves, of course. But Tom Coats, 24, a medical student at Cambridge, warns: “As the hour got closer, I took myself to the pub round the corner with a couple of close friends to build up my confidence. I must have had one too many because I just remember standing up, forgetting most of my speech, and promising naked mud-wrestling as one of my only policies. The bar fell silent.”

3. The random house party:
Rolling up to a house packed with strangers and pumping music is all part of the student experience, but knowing your host’s name can be advantageous. John Brewin, 24, a medical student at King’s, recalls: “I got really drunk and went to a house party where I didn’t really know anyone. I went straight into the toilet, vomited profusely, and fell asleep on the sofa. A few days later in the pub I had to be re-introduced to the guy whose house it was and I had no idea who he was, which was a bit embarrassing.”

4. The university newspaper power struggle:
Everyone loves the glamour of the student rag with its free gig tickets and experimental fashion pages. The problem is everyone wants to be editor – and they’ll do anything to prove it. Lucy Brown, 22, an English student at Exeter, says: “One of my mates put himself up to be editor of our student newspaper. His downfall was the approach he took to his election speech, which was to stand up and tear up the newspaper in front of everyone, and call it a load of rubbish. He thought he was on to a winner. Everyone else thought he was a prat.”

5. The drinking society initiation:
When Rachel Harding, a 23-year-old architecture student at Cambridge, was invited out with her college’s drinking society she was flattered. As she read down the invite, though, she saw she’d have to dress up as a French maid and go through a variety of bizarre rituals to make the grade. She says she is glad she eventually decided to refuse: “I drew the line when it came to that. I realised I didn’t want to get carried away with wacky society mentality.”

6. The awkward chance encounter:
Since the swinging sixties free love has come as standard for many, which is all the more reason to use protection. One anonymous University of London student recalls a red-faced moment at the STD clinic: “I went to the clinic and walked into the waiting room only to bump into an ex-girlfriend. It was a bit of a nightmare. I don’t know whether it was worse for me or her.”

7. The tall tale:
Ever felt tempted to stretch the truth? It’s easy to get carried away in the blur of freshers’ week when people start reeling out anecdotes – but if you do feel yourself being borne away on the wings of fiction, keep track of your porkies. One anonymous law student at Nottingham Trent says: “A friend told us all his cousin was in The Libertines. By the time his cousin came to visit he’d forgotten all about it, but we obviously hadn’t. When we brought it up he looked a bit silly and everyone started cracking up.”

8. The dare that goes wrong:
The cheap drinks are flowing, your bravado levels are high and your friends are cooking up all kinds of dares for each other. What could possibly go wrong? It’s all about knowing when to say no, says Alice Stanners, 24, an American studies student from King’s: “It was the first week of term and we were sitting around in our student house doing dares. One of my friends downed a pint of her own wee. It went round all the halls that she’d done it and she didn’t get laid for three years.”

9. The nickname that sticks:
For anyone burdened with an unfortunate nickname at school, the first term represents a golden opportunity to wipe the slate clean and start again. It’s all a matter of making sure you don’t pick up another one, says Abi Young, 23, a history of art graduate from Leeds: “This guy in our halls was playing rugby at the start of term and he managed to bite someone’s face in a tackle. The rugby boys started calling him Dog, and it caught on so much that after a while a lot of people didn’t even know his real name.”

10. The culinary disaster:
Inevitably for most people starting university the staple diet will consist of various tinned things on toast, canteen food and the occasional splurge in Pret A Manger, but even so it’s worth mastering the basics to avoid humiliation in the kitchen. Ben Morgan, 24, a history graduate from UCL, remembers: “There was one girl who had so little experience of cooking when she arrived in our self-catered hall that she read the recipe ‘boil an egg’ and stuck an egg in the kettle. She was known for that for a long time.”

heystudents.com » tips

5 Tips to Manage Student Loans

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7 Computer Safety tips for Students

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10 Test Taking Tips For Students

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10 Traveling Tips for Students

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Top 10 Ways to keep your head held High at University

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