Author Archives: Bob Holmes

7 Common Problems College Students Face

College is a great time for many students. However, there are some common problems that many students end up facing at college. Below are some of the most common problems.

1. Depression

One of the most common problems that many students face at college is depression. Some students may experience only a mild case of depression, while others may experience severe depression, but many students do experience some form of depression. There are a number of reasons why, such as feeling more pressured or they may not be passing an important class or it may be because they are away from home for the first time in their life. These are just a few reasons why some students may experience depression while attending college.

2. Maintaining Good Grades

When people enter college, then they are under pressure to maintain good grades or at least grades that are at least good enough so they can pass their class/classes. One of the most common problems people face at college is maintaining good enough grades, and this is especially true for people who take many classes while attending college. Students often feel extremely pressured, and this leads to them not maintaining a good sleep routine and can cause a significant amount of stress for them.

3. Major/Career Decisions

Perhaps the most common problem students face at college is figuring out what they should major in or what career they should go for, as college is a crucial time in life and this is usually when students are expected to know what they want to do as a career. A lot of students do have an idea of what career path they want to go down, but there are many that don’t really have a clue, and this can cause them a great amount of stress. To top things off, many colleges have guidance or career counsellors that students can speak with, and this can lead to them being even more confuse.

Also, a lot of students don’t end up figuring out what career path they want to follow until they are halfway through college. Some end up changing majors their last year of college. These are just a few more examples of how students are faced with problems relating to decisions about their major or career.

4. More irritable

A lot of students enter college and eventually they find themselves becoming more irritable. There are many different reasons why this happens, but some of those reasons include lack of sleep, depression and lock of focus to name just a few. There are other factors that can play a role in why college students tend to be more irritable, but the factors just mentioned are some of the most common ones.

5. Relationship Problems

Another common problem students face during college are relationship problems, and this includes relationships with their partners who may not attend the same college as they do. Their relationships with their parents may also become strained or not as close, and this can be due to the fact that many college students end up becoming extremely busy when they are in school. They tend to put school obligations above everything else and this includes their relationships, which could lead to relationships becoming strained. Even if two people are dating and they attend the same school, their relationship could still become strained because of scheduling conflicts, study commitments, sporting commitments and the list goes on and on.

6. Sleep Problems

A lot of college students find that they cannot get on a proper sleep schedule while they are attending college, and this leads to sleep deprivation. Students often will stay up 24 hours on end, and do this a few times per week, especially when they are trying to prepare for a test or have a big project they are working on. Unfortunately, many students turn to caffeine sources, such as coffee, in order to stay up for long periods of time.

7. Homesickness and storage headaches.

Being away from home and friends and family can have a negative impact on students. For some, moving out of the safety of their family home into new accommodation is a challenge.  Just the lack of space to store your belongings can be a headache, with students having to resort to local self storage units to store their kit. Money is already tight for most students so shopping around for the best self storage prices is recommended. You’ll find most storage companies have special offers on at the start of new academic terms to entice new students to use their services.

Some students end up developing insomnia as a result of their college schedule. There are students who often turn to over-the-counter sleep aids in order to get a get a good night’s rest. These are just a few of the sleep problems students are often subjected to while attending college, and the truth is that many college students find it hard to get into a proper sleep routine once they develop sleep problems.

As you can see, there are a number of problems that students often face at college. There are many other types of problems that students face, but the above ones are some of the most common. The good news is that most of the problems above can be solved by making changes in lifestyle and routine and so forth, so if you are in college, then take steps to solve some of the problems discussed above.

Important Tips On Preventing ID Theft For Seniors

Identity theft has become a cumbersome issue around the world among all age groups. Seniors have seen a spike in cases involving identity theft and it is pertinent to implement preventative methods as soon as possible. There are numerous individuals around the world who are looking to pray on those who are unaware and/or unprepared. Seniors who are in this category will get caught out eventually and it can lead to horrific consequences. Let’s take a deeper look into the most important tips on preventing ID theft for seniors in this day and age.

Don’t Provide Information Over The Phone

This has long been one of the most effective ways for identity thieves to acquire desired information. They will call over the phone and present themselves as an official government authority. This eases the individual on the other end. Once this has been done, they will ask a set of questions and try to lure sensitive information out of the senior. It is vital to not fall for this and to never give information of such nature over the phone.

It is asking for trouble and should be avoided at all costs.

Shredding Is Important

There are certain documents, which are not going to be needed any longer, but a common mistake people make is to still keep them around. They will let the sit around the home and that is never a good idea.

These documents can easily be misplaced even though you never needed them in the first place. If the wrong hands get access to these documents, they will take advantage of you and your situation.

Shredding the documents is key. Make sure you don’t require the documents and then get rid of them properly and an option could be to use a shredding services company to dispose of your documents securley.

Locked Security Boxes Are Key

Information such as your Medicare documents, social insurance numbers, tax papers, and other related sensitive information should be kept at home in a locked box. You are the only one who should have access to this information.

If you start to carry this information around with you, it is simply asking for trouble. Don’t leave your home with such information in your bag or wallet. This is where identity thieves are able to acquire the information they need by attacking and/or simply taking the bag and running away.

Always be careful when it comes to your important documents.

Purchase Personal Routers For Holidays

As you get older, you are going to have more time in your retirement to travel and it can be fun to say the least. However, this does not mean you become lazy and not focus on protecting yourself and your devices.

Wifi connections are weak and easily hacked as everyone is sharing the same connection. You want to bring a personal router that is going to connect to the Internet on its own and will have its own wifi connection.

This is the best way to go to ensure you are protected at all times while travelling.

Anti-virus Programs On Your Computer

The computer is your worst enemy when it comes to identity theft. This is something all age groups have to remember as anyone can become a victim on their computer. Malware and spyware can be installed on your computer to tap into the sensitive information present on your computer. It does not take a lot of effort and there are many hackers who are after this information.

Having a computer professional come in and set up an anti-virus program to keep out the hackers is vital in this day and age. Such crime is rising and being ahead of it is important.

Seniors around the world are recommended to use the tips listed here at all times. ID theft can happen to anyone at anytime and the consequences are often suffocating and can have an impact for years to come. It is not going to fade away in a few days, it can prolong into an issue that restricts you financially for months and years. The tips pointed out here should go a long way in stabilising a senior’s life and ensuring ID theft is simply not possible. Those who are careful and meticulous about how they live their life are the ones who remain safe.

You can find secure document shredding service by searching online or in your local directory.

Extra information: http://www.nationalcrimeagency.gov.uk/crime-threats/identity-crime

How Bridging Loans Will Let You Purchase a Home Credit Free… Well Almost

Bridging Loans have recently seen an upsurge in both popularity and take-up. Will they let you Advice on Bridging Loans | CreditFree.netlive a credit free life? Well, not quite, but the loan period is a short term one so worth a short discussion and overview. This is how bridging finance and loans work.

Let’s Consumers Buy Before They Sell

If you are on the mortgage ladder then you will probably be familiar with that feeling when you see another home that you want to buy, but can’t quite afford it as you’ve still not sold your existing property right? It’s a familiar scenario, and is exactly why bridging loans and finance have been devised for the UK housing market.

The premise is pretty simple really. For home owners and property developers that are stuck in a situation where their existing property has not yet sold, then bridging loan lenders will step in and offer short-term finance so they can complete the new purchase, and then pay the loan balance off once the old property gets sold. You can read typical terms and conditions for bridging finance on most lenders’ websites.

Bridging Loans Help Move the Chain Along

Many consumers in the UK now use bridging loans in this way where they can’t get shot of their old house quickly enough or are in a lengthy sales chain. This can sometimes mean that the new purchase is in danger of falling through and not completing… banks and classic mortgage lenders don’t tend to lend large amounts of money over short-terms agreements which is where a bridging loan or finance can help out.

In fact, bridging loans can sometimes be the only way in which keep the arrangement on track and are becoming very popular with property developers with large portfolios where they have a lack of cash assets, just property assets. You can read an excellent guide here to property finance basics which reveals a little bit of how the magic happens.

Be Aware of Bridging Loan Interest Rates

But before you jump head first into a bridging loan application please beware… as with any type of loan there of course is an interest agreement. But due to the short-term nature, size, and ways in which bridging loans are arranged, the interest rates will be extremely high. In fact, if you want to see for yourself how much you will end up paying back then you can use an online bridging loan calculator.

Now, what would happen if you did end up not being able to pay back your bridging loan? This can happen from time to time, particularly if the original house sale either falls through or takes longer to complete than expected. In the event of this happening, then bridging loans companies will start to kick in higher interest rates and fixed financial penalties. So in effect you could lose cash risk your property during the buying process, and even end up in huge money troubles. Is it really worth it?   In my view, only for experience property developers and investors.

(Please note, if you are having financial problems then I recommend the Support Line).

What the Experts Say

Finance experts have say that bridging loans should not be taken out by people who are essentially attempting to beat property chain issues. With the UK property market having some serious issues over the last half a decade and with home loan banks pushing back on how much they will lend to consumers, numerous property deals are now failing to work out. Just bear that in mind.

My Conclusion on Bridging Finance

So to conclude, be careful when considering bridging loans as a way in which to buy property. Obviously the title of my blog post was a little tongue in cheek where I mention you can do it credit free, but many users of bridge finance do view it this way as the loan is so short. It goes without saying that you could risk losing your home using this strategy if everything goes wrong.

Is that a risk you want to take?

Let a Debt Management Plan Save You from Drowning in Debt

Living in the 21st century has to be one of the most expensive points in time to be alive. From the time we graduate from college, to purchasing a car for work, and having to buy a home in order to raise our children, it seems like there’s more debt than paycheck to cover all of our expenses. And that’s not even taking into consideration that we still need money to pay for insurance, utilities, food, and even medical bills.

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A debt management plan could be the start to getting your finances under control and a brighter future

It’s no surprise that many Brits end up having trouble paying all their bills. By the end of the month, the debt is carried over to the following month, leaving a huge debt by the end of the year. It seems like no matter what we do, it’s hard to get the debt load back down again. We get roommates to help pay our rent, we sell our stuff to get extra cash, we even work over-time in an effort to get just a little bit ahead. But at the end of the month, the bills are piled up in the box. Can there be any help on the horizon to keep us from drowning in debt, or worse, sinking right to the bottom?

A debt management plan can help you to consolidate all of your debts into one manageable payment each month. You’ll find it easier to cover your other living expenses, when you have only one manageable debt payment to make.

There are a variety of different types of debt that can be consolidated into one lump sum payment, so you can relax and not be so stressed about mountains of bills. Credit card bills, car payments, and school loans can all be consolidated into one lump sum payment, once or twice a month. The loan advisors will help tailor a debt repayment plan to your needs, all at an affordable interest rate.

You could carry on the way you’ve been doing, or you could pick up the telephone and find out how a debt repayment plan can help you out. Sometimes even the stress of seeing all those bills on your plate can make you feel ill. It also costs money to send out multiple checks or make multiple payments online. Even if you save £10 each month, that’s £10 that can be put towards repaying one of your bills. Over the course of a year, you could have one bill completely paid off. Sometimes it can be hard to see the bigger picture, when you’re inundated with all your bills.

Most likely if you’re having trouble repaying your bills now, it’s only going to get worse, and your credit report may be suffering because of it. Later on in life you may wish to purchase a new car or a new home, but the banks will turn down your loan application, because of your past credit history. The sooner you sort out your bills now, the greater the likelihood that you’ll be able to create a better credit history for yourself further down the road.

It’s worth looking into a debt repayment plan, so you can consolidate your unsecured debts into one easy repayment, resulting in plenty of money left in your bank account to cover your essential living needs.

3 Mistakes You Must Avoid to Manage Your Debt

Debt is an unfortunate circumstance that many people find themselves in, especially if they are trying to handle more responsibilities than they can manage on their own. And while managing your debt can be difficult, it is not impossible to get yourself out. The following are three very common mistakes that you must avoid in order to better manage your debt and increase your chances of relieving it.

Ignoring your creditors

It is a very common instinct to ignore phone calls, emails and letters from creditors when you are in debt—the most common rationale for ignoring creditors is that if you ignore them, you will have more time to get yourself together. But ignoring your creditors is the opposite of what you should do if you are in debt.

Instead, you should actually call your creditors and explain your situation to them. Tell them if you’ve lost your job, or if you had a sudden emergency medical bill that has devastated your finances—most creditors are more than willing to work with you if you show them that you are willing to work with them.

Emptying out emergency or savings accounts

Another common mistake is to turn to emergency accounts or savings accounts and deplete them in order to cover debt. While this may fix the immediate problem, it will only create further issues in the future when you need those savings or emergency funds. To keep most of your savings intact, take out a manageable, minimum amount and put that towards more pressing debt rather than emptying the account.

Sticking to minimum payments

Minimum payments may seem like a great idea; after all, all you need to do is pay a minimum amount a month and you won’t be faced with debt collectors or creditors. The trouble with minimum payments is that they actually create more debt in the future by adding high amounts of interest to your debt every month. And if you are only giving the minimum payment for multiple lines of debt, you are setting yourself up for massive debt that will be even harder to solve.

Instead of paying the minimum, pay as much as you can every month, even if you aren’t quite reaching the full payment. This will help you avoid that crippling interest and go further each month to removing your debt.