Question by Mike: Which is the best credit card for a college student?
I am planning on getting a student credit card before i go to school in the fall and I cannon decide which would be the best for me. I have it narrowed down to 3 cards…

1. Citi mtvU Platinum Visa for College students
2. Citi Forward Student Card
3. Discover Student Card

Please help me decide

Best answer:

Answer by Poppy
The best is no card, install your budget in a checking account and learn to budget. The credit card allows you to overspend with nothing but your meager funds to make payments with thus lowering your monthly cash.

What do you think? Answer below!

Question by GOTHIC TARA J: When do finance charges on credit cards apply?
I heard that as long as I pay in full for the billing cycle, I will avoid finance charges. Is that true?
You see, they aren’t exactly clear in the fine print. They use a lot of flowery language and don’t directly state their policy.

I’m speaking of a Bank of America Visa card, by the way.

Best answer:

Answer by rtfm
Depends on your specific agreement with your particular credit card company.

Read the fine print on that multi-page document they sent you when you first got your card. I’m sure it’s spelled out there somewhere.

What do you think? Answer below!

Question by Kim: Credit life insurance on student loans?
I am a 25-year-old interested in taking out life insurance for myself. I have a mortgage-sized student loan bill, so I am interested in credit life insurance, but I don’t know if these are for mortgages or anything financed. I haven’t found much information on credit life insurance from reputable sites. Any thoughts?

Best answer:

Answer by mbrcatz
My first thought, is that debt is NOT inheritable. So why do you want to buy insurance to protect SOMEONE ELSE? If you die, they’re screwed.

Unless, of course, your parents cosigned for the loans . . .and then if you die, they have to pay.

But if no one cosigned the loans for you, I think it’s a waste of money. It only protects the lender.

Know better? Leave your own answer in the comments!

Question by Juan: How to file claim for credit life insurance?
If my dad had credit life insurance on his auto, feel behind on payments, had it repoed then it went to collection comp then he recently died. How can i file claim if the loan is now with collection co? Just read auto contract that states it is valid for 4 more years.

Best answer:

Answer by JanessaCinn
You will need to contact the insurance company directly to file the claim with them. They will need a copy of the death certificate.

Add your own answer in the comments!

lanyards

A lanyard is basically a cord or a rope that is tied close to the wrist or neck. Its primary use is to help you carry one thing tiny, but much more importantly assists you keep the object in sight and lowers your opportunity in shedding it. The first use of lanyards can be traced in military exactly where it was utilised to connect a whistle or pistol to the uniform. The most lanyards are made of fabric and are usually utilized in company situations, largely in company offices these days.

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The most common sort of lanyard is the badge lanyard. It is primarily employed in offices and businesses due to protection factors. It is also beneficial in the identification that the particular person belongs to the distinct firm or agency. For protection reasons, these days employees have a distinct bar code imprinted on their lanyards so that they can use for entry into their respective office. In some instances it is also utilised for the publicity of the company or enterprise. All personnel then are required to use the lanyard getting their company’s logo or name.

As lanyards are widespread form of accessory, then come in numerous designer brands. A single can typically see celebrities and passe-temps people wear a specific sort of lanyard. One particular can use them also to assistance a certain sporting crew or a lead to a single is standing for. These designer lanyards can be identified adorned with pearls, jade and other valuable stones and crystals. These superbly produced lanyards are used to adorn cell phones, glasses or handbags much too. They are regarded the new in thing in many university campuses and one can see numerous sorts of lanyards used by the students.

Some lanyards come in genuinely useful when you want equally your fingers cost-free and do not want to carry any little object. For case in point when you are likely climbing, working or camping, we always want our palms for the stability as well as for various other issues. In these instances you can merely connect your most important necessities like a penknife, telephone, bottle, and so on to a lanyard. These lanyards arrive with clips or snap hooks and can be connected anyplace you want.

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