4 Items A College Student Should Not Buy New 

June 4, 2013 | Author 

Two college students using laptop on campus lawn,

Being a college student sort of sucks, and if you’ve even been broke you know that having just a little money makes you really, really miserable — you’re forced to eat ramen daily and hoping the unemployment check arrives soon and buying bread and milk with spare change and constantly complaining because you’re in poverty. You need to save and spend money on what’s important to you, learn how to find deals on college essentials. Here’s how:

Cars

There are plenty of merits to buying a new car; longevity perhaps being the most obvious. But as a college student, you probably don’t have the cash for a big down payment, much less the high credit score necessary for obtaining a lease. But you can still get a car in great condition if you’re willing to buy used. If you decide to buy used cars, look for a vehicle with lower mileage if at all possible. You will also want to get a Carfax report so that you’re aware of the vehicle’s accident history.

Furniture

Dorm residents don’t have to think about furniture beyond a futon and mini fridge, but those living off campus will have to deal with more extensive furnishing. It’s pointless to waste a lot of money on furniture you’ll probably toss when you graduate from college. Before you move into your apartment, ask recent grads if they’d be willing to sell or donate unwanted furniture. Craigslist is also a good place to check for furniture that’s inexpensive or even free.

Electronics

It might seem like you constantly need a new computer, phone and tablet, but if you do it right, you can still get relatively new gadgets without spending a fortune. Just take advantage of all the people who feel the need immediately to purchase new items. When they get rid of their fancy gadgets, you can swoop in for a good deal. Check out eBay, Craigslist and Amazon. A number of tech websites for used goods offer refurbished items in excellent quality. Keep the brand of the used item in mind, as some are considered more durable than others. Apple products are terrific in this regard, which could very well be why 51 percent of households own Apple electronics.

Textbooks

According to market research group Student Monitor, the average student spends $535 on textbooks yearly. Imagine how that cost could be reduced if students did a better job of finding used textbooks. These are available on sites such as Amazon Marketplace and eBay, as well as local used bookstores. You may also be able to score books for next to nothing from students who have already taken the courses on your schedule.

Why Aging Doesn’t Have To Be Scary

Growing older isn’t a choice, but the condition of your body and mind is something you can control. Learn how to avoid signs of aging in your body and mind and increase longevity by studying the information in this article and applying it to your life. If you apply these guidelines, you can extend your life to include more joyous times.

To live as healthy of a life as you possibly can you should continue to learn new things. Learning is an important part of life.

Make your home your own. As we age, sometimes we feel that our home is not what it used to be. If you find that you have moved into a new place to call home, surround yourself with special things that make it feel comfortable and welcoming to you.

In order to get true fulfillment out of life you need to build positive relationships with your friends. The friendship will give your life energy, motivation and the love you need to make it through any day. You will never be too old to find new friends. Do your best to meet new people. Look for friends who make you happy.

Take time to enjoy living. Set milestones and goals for yourself. Reaching goals should be an ever evolving process.

You need to surround yourself with happy, upbeat people. The more you laugh and smile, the younger you will both look and feel. Therefore, you should spend time with people who bring you joy and laughter, not with people who make you unhappy.

Don’t expose your skin to harsh environments. The cold air and the sun can both equally damage your skin. Damage can range anywhere from minor burns and chapping to skin cancer.

Another important thing to consider, is funeral planning. With some careful consideration and the right amount of money put aside in a fund or account, you will leave nothing but wonderful memories for your family. The last thing you want to do is burden them with extra cost at a time that is usually filled with enough stress and things to organise. For assistance in funeral planning and pre-paid funerals, you can find help from Santino at Globalfunerals.com.au

Sugar causes a host of diseases, including diabetes, which can shorten a person’s lifespan. Eating a lot of sugar accelerates the aging process and shortens your life. This link between sugar and reduced lifespan has been studied and clearly proven.

It’s important that you monitor your blood pressure. Hypertension, or high blood pressure, is referred to as a silent killer because it doesn’t always cause symptoms that are noticeable. The normal aging process includes the deterioration of various parts of your body, including your cardiovascular system. This makes it important to monitor your body, including blood pressure checks. You will have an easy time noticing a problem when you are monitoring your blood pressure, and will be able to address it quickly.

By now you should realize that getting older isn’t necessarily a negative. There is no reason why you cannot enjoy many more years of joy with a healthy body and mind. In regard to these tips, find ways to build them into your daily routine so that you can see the best benefit possible.

Another important thing to consider, is funeral planning. With some careful consideration and the right amount of money put aside in a fund or account, you will leave nothing but wonderful memories for your family. The last thing you want to do is burden them with extra cost at a time that is usually filled with enough stress and things to organise. For assistance in funeral planning and pre-paid funerals, you can find help from Santino at Globalfunerals.com.au

Answers To Your Auto Insurance Questions

Always do your research prior to purchasing auto insurance. This can help you make decisions that will get you the coverage you need for a price that makes sense. Read on for some ways to go about doing this.

Try to get several quotes before deciding on insurance. Each insurance company will focus on different factors when deciding the cost to you. By requesting multiple quotes from various auto insurers, you can easily separate out the best deals that will also give you the highest-quality insurance.

If you’ve been thinking about adding aftermarket parts to your car, check with your insurance company to see if they will cover the damage of these parts. Most of the time, insurance companies do not cover these items.

When the time comes to purchase an automobile, find out what the insurance rates are on the models that you are considering. Ask your insurance agent to tell you which cars will get the best rates. This will help you decide between a used car and a brand new car. In addition, purchasing vehicles with good safety ratings can help save a large sum of money on car insurance.

It is required by most state laws that you have sufficient liability insurance as a driver. You have the responsibility to be aware of coverage levels for your state, and to acquire insurance appropriate to those requirements. You are breaking the law if you drive uninsured.

Your monthly insurance cost is determined by the kind of truck or car that you buy. You may have refined tastes and want something luxurious, but the insurance bill will reflect this choice. Go with something modest and safe if you really want to save the most money.

You might want to consider carpooling with someone or possibly taking a limousines hire service that supports multiple pickups, in a minivan. If you prove that you are a low risk, then your provider will respond by offering you a low premium. Tell your insurance agent if you have been carpooling and using public transportation. They may be able to find you a discount based upon this information you provide.

You will serve yourself better by acquiring various quotes for car insurance. The rates are not the same for all insurers. Get a new quote at least once per year to ensure that your are paying the least amount of money for the best insurance coverage. Pay attention; however, to the amount of coverage the different quotes are for.

Hopefully, this article gave you enough information to help you make the best auto insurance decisions. Anyone can make better decisions if they have sufficent knowledge about the subject. These tips can not only help you, but your friends and family!