My husband and I usually take time one month out of the year to go over our budget and expenses. The reason we do this is to see if we are better off paying something off rather than doing payments, if the balance is low enough, and also to see if we are paying too much for something we can do without. When we looked at our cell phone bills and our cable bill, we knew that something had to be done. I decided to shop ATT bundles to see if there was a way to combine the two and get a lower price overall.

We had even realized that we were paying as much as we were because the payments come out automatically, and the registry is taken care of also with our finance program. That is why we need to do this at least once a year, otherwise we could really be taken advantage of.…


Education is a marvelous thing, especially to new college students. The young so often find themselves lost at the beginning of college, wondering how they’re going to amass any kind of security in everyday life when they’re bogged down with classes AND bills. Institutions like JSC FCU anticipate the worries of college students each end of summer by offering great interest rates on something called Back to School Loans. If you’ve never heard of them, don’t worry. They’re just now being advertised as something like a back to school loan. In the old days, they might have just been called loans.

Students have it rough sometimes. Their parents aren’t always able to help them with their new college life, having just been lucky enough to afford the basics of the education itself. For many students out there, they’re on there own without these loans. The financial challenges of new students are well documented. Many publications offer advice to returning or new students to help them realize the long financial road ahead of them.

Back to school loans usually offer a flat amount of money to college students who want to get a head start on their quality of life. After all, despite the fact that loans can give you a “debt” to repay, it can be extremely stressful. Ohio State highlighted the stress that comes with the college lifestyle. For the first time in their life, college students have to find a place to live, find a way to make money on their own, and pay huge financial bills like tuition and books. Alumni will probably always remember the shocking price tags of those first college textbooks. Along with the stress comes many financial options that students have to give themselves a little nest egg to build their living space and meet their college bills.

These loans vary in their terms but you’ll usually pay off a back to school loan in about 10 months to a year. It’s preferable to have a short term loan because you’re going to face a bit more interest on these loans than you would normally have. Students often don’t have a credit history, so they have to start somewhere. Back to school loans give them a starting point on their credit history that they can build on in a positive way by promptly making payments and establishing a great history.

Once the loans are repaid, it’s possible to take out another back to school loan the next year. While most students may only need one of these in the course of a lifetime, lending agencies often extend credit to students who will need to establish a good credit history before they’re able to make major purchases later on. If someone has a child that is entering college, think about a back to school loan in their name. You can help as little or as much as you want. What you’re giving them is an opportunity to establish a credit history that will help …


Are you looking for the best and safest way to transfer fund to Vietnam? You might have endless questions in your mind! Which is the best provider for transferring money? There are three aspects that it should be cheap, fast and secure. When you are sending money from United States to Vietnam, there is a high fee that you need to pay. For example, if you send the money through PayPal, the fee that you need to pay is really high. You have landed at the right page because we are going to cover the important topics related to this question. It will provide answers to all your questions and you will find a solution of transferring money to Vietnam.

 

The Hidden Fees is really high

There are money transfer sites like PayPal which charge a hidden fee. Hidden fees are everywhere and you do not get the full amount. It translates into your loss. When you are transferring a certain amount to your account in Vietnam through PayPal, 2.5%-5% of the total amount is deducted. These are the hidden fees.

 

Sending the Money to Your Loved Ones Safely

The most tragic part of sending money to Vietnam would be when your family does not receive money after several weeks. Sometimes there is an emergency and your children need the money to pay the University fees. What if they never get it? The University may bar them from sitting in the exams. You would want to choose a medium that is safe and fast.

 

How to send the money safely?

You can send the money through the following mediums –

  1. Through ATM service – You would need to open a bank account which has an ATM system. All you need to do is send this ATM card all the way to Vietnam. Make sure you do not send the secret pin number. This will help you save money and there will be no hidden charges here. Your family can use the card in an ATM machine.
  2. You can send the money to a bank which has a branch in Vietnam. The recipient should have an account with the bank that you are sending the money to.
  3. Instarem allows you to send money to your family in Vietnam. There $0 transfer fee at Instarem.
  4. There are many mediums like PayPal which charge a hidden fee but your money gets sent to your loved ones safely. A fee is charged but at least the money reaches in your family’s account. It is best to have money than not have it all. Think about your children because they need to pay their college fees.
  5. You can transfer the money online through many mediums. There are sites which allow you to send money by charging a very low fee. It is fast and secure !

 

For Multiple Payments –

For multiple payments, you can use PayPal or TransferWise. It becomes very confusing when you have to send money to many …