Student Credit Cards: What Every Parent Must Know
Your young adult offspring is heading off to college for the very first time. Chances are she is well equipped with all of her bedding, music,laptop computer, compact refrigerator, and a whole assortment of other items in tow to keep her happy. There is one thing that you may have overlooked, a real help for students and a godsend for parents: a student credit card. Yes, credit cards are an invaluable part of every student’s college experience if used wisely. Let’s take a look at some benefits of giving your son or daughter their very own credit card.
Let’s Buy Books. After paying tuition and boarding costs, it can be easy to overlook another big expense: books. Do you really want your son or daughter to carry around hundreds of dollars in their wallet to pay for books and supplies? Probably not. All college bookstores take student credit cards and with every credit card statement you can easily and accurately track expenses for tax purposes. No need to collect a bunch of receipts either: the proof is on the credit card statement.
Incidental Expenses. Likely, your child enjoys some “cooling off” time especially after completing exams or working on a difficult school project. A credit card can be a good way to pay for a couple of pizzas or provide for a night out at “the game.” In addition, if your son or daughter wants a new pair of jeans or shoes, a student credit card will help them make that purchase.
Life’s Little Emergencies. God forbid, but if your daughter has an emergency and must be rushed to the hospital, in many cases she must show payment information along with her personal identification and medical card before being treated. A student credit card can fast track your daughter to wellness and give her help in a time of crisis. When you cannot be there to help, a student credit card can provide quick access to needed care.
Road Wise. If your student goes off to college and he takes a car with him, how will he and you handle a problem if the car requires maintenance or repairs? Wiring money is aggravating and a hassle especially if the emergency occurs late at night or on a weekend. By equipping your student with a credit card you can get his car running again and give yourself and him plenty of peace of mind.
Yes, you must counsel your child to use their student credit card wisely. By reviewing every credit card statement monthly, you can help your son or daughter show responsibility and achieve financial independence.
TIPS To Overcome Exam Fever
Come EXAM TIME and students start getting anxious and spend sleepless nights worrying about the coming exams. Exams may be anxiety provoking for some people. Students may worry about an exam for days before it is to take place and/or during the exam, when tackling the examination they may experience negative thoughts and unpleasant physical symptoms which prevent them from performing to the best of their ability.
Students, Just Relax ! Need not Worry…. It is wise to remember that exams are not here as punishment. Instead, they are a good way of testing to see how much information you have learnt.
Examinations test a student’s knowledge and understanding of a particular subject. They bring questions from an entire module together in a challenging environment.
Whether you are taking the Board Exams or forthcoming Medical Entrance Test or appearing for any other Entrance Exam, Don’t you worry. Just follow these simple tips to overcome Exam fever.
Don’t get over anxious: It never helps. Think of all the exams you have faced so far and how you have overcome your fears. Visualise the worst that can happen and then think positive.
Talk over your anxieties to your parents, friends etc and get it out of your chest periodically. At the same time, talk about the subjects you are good in and the chapters you are well prepared in.
Gain confidence in subjects you know best: by completing the revision and writing notes, especially to a family member or answering mock tests. Make brief points to refer just before the exams.
Fix time and place: Make sure that your study has no disturbance. Move away from that place when you need to take breaks. Take them frequently by structuring your time schedule. Every time you feel fresh, study the difficult or boring subjects first for a few minutes and then move on to easy ones.
Exercise and recreation: are as important as studies and they help you concentrate better. Don’t reduce your sleep drastically. Your body needs it.
Avoid repetitive reading: If you are unable to remember, break up the chapter into points and sub points and try and remember each sub point.
Do mock tests: periodically, especially in difficult subjects.Rest, eat good food and freshen up: especially on the morning of your exam. It is a better way to face them than last minute cramming.
On the day of the exam: Relax, Remember God is Incharge….Reduce stress, sleep well, eat well and go early. Do discuss with your friends what you have prepared and what you have not.
Have confidence, you will do well. Believe in yourself.