The Nation's Top High School Football Prospects From UTR and Streetlight Recruiting and Student finance tips

Presented On US Sports Net By The WBShop!

[Recruiting Videos Below]

 Student finance tips

By: John Baird

To meet the challenge of staying afloat financially as a student, you need to pick the right bank account, work out a realistic budget and stick to it, and always be on the lookout for discounts and ways of saving money.

University usually represents the first time young people have been responsible for their own finances. Significant tuition fees are charged in many countries, including fees of up to £9,000 per annum in the United Kingdom, but based on the UK system at least, worrying about how to repay these can be left until after graduation. Whilst at university there is the not inconsiderable challenge of successfully managing what income you have. This article gives students some tips on staying on top of their affairs.

What to consider before choosing a student bank account

Get free shipping on thousands of items over $100 at WBshop.com! Shop now!

It is strongly recommended that you open a dedicated student bank account at the start of your course, as these accounts are designed with the needs and concerns of students in mind. It is best to open your student account before you arrive for your first term, so you can avoid the queues at your local branch of students trying to open an account.

Important things to look for before opening a student account include:

- Which banks have a branch on or near your campus

- The level of interest free overdraft

- The interest payable on positive balances

- Whether a particular bank has dedicated student money advisers

- Introductory gifts offered – items such as railcards offered as incentives may be particularly useful

Basics of budgeting

Work out what income you can expect while at university, this may include:

- Family contributions, if you are lucky enough to receive these
- Employment income, whether this is during term time, during the holidays or a combination of both. You can enhance your chances of getting employment by doing a fact-finding mission several weeks before the university year starts, so you can get a head start and avoid competing with large numbers of other students for these posts. But please ensure you do not take on so much employment that your studies are affected.

- Student grants, if these are available to you
- Bursaries or scholarships
- Student loans

You then need to work out what your fixed expenditure will be each month, and how much is left for non-essentials like a rich and fulfilling social life! Once you have made a budget, stick to it. Essential expenditure items may include:

- Food
- Accommodation rent
- Books
- Internet and phone contracts
Taxation

As Benjamin Franklin once said: "There are only two certainties in life – death and taxes". But as a student, perhaps you can avoid taxation. If your income is below the threshold at which tax starts to be paid (GBP 10,000 in the UK for the 2014/15 tax year), yet you think some of your income has been taxed, apply to the tax authorities for a refund.

Ways to save money

Interest free overdrafts

Obtaining an interest-free overdraft of this size after graduation may be almost impossible, but most student bank accounts in the UK allow interest-free overdrafts of GBP 1,000 and more.

Insurance

Before going away, check carefully whether your parents’ household insurance provides the level of cover you will require when at university. If not, seek out one of the policies specifically designed for students. Suffering significant loss due to theft or damage and needing to pay to replace lost goods is the last thing you need when at university.

Discounts

Keep an eye out for any retailers offering special promotions – your student union will probably highlight a number of these deals, while others can be found by keeping your eyes and ears open. Near to the university, you are sure to find many outlets that offer discounts to students. Theatres, nightclubs and cinemas may offer special deals for students on certain nights of the week. Passes giving discounted travel on public transport are also widely available to students. Bookmark websites such as Student Money Saver, Student Beans and Money Saving Expert.

Ensure you carry as many forms of identification that evidence you are a student as possible, as you will need to produce ID in many cases in order to benefit from these discounts.

Cheaper shops

Hunt down a bargain in charity shops, local markets or your campus shops.

Textbooks

Check out websites that offer cheap university textbooks, or try and buy from last year’s students, who will regularly advertise books and other items for sale on notice boards around campus. Also consider how feasible it is to use a reference copy of a textbook in your university library. This may work out substantially cheaper than buying a new copy of every textbook on your course list from the university bookshop.

And of course, once you have completed a year’s study, you can try and raise money by selling your textbooks to the students in the year below.

Cycling and transport

Consider whether it is feasible to cycle for short journeys, such as to and from lectures, or trips into town. You may find that the cost of buying a bike is swiftly recouped by the savings on transport fares. Some students bring a car to university, but this can prove very expensive, so before you do this, ask if it is really necessary. Student towns usually have frequent public transport services between the main student sites and the town centre.

Energy costs

Don’t use more energy than you need. Keep the heating turned down until it gets really cold, and turn off unused appliances.

Food

Try buying a cheaper brand, at least on a trial basis. It might surprise you!

If you get into trouble

If you feel you are struggling to stay on top of your finances, seek advice at the earliest opportunity, whether this is from your parents, your bank or one of the university’s student counselors.







Under the Radar

StreetLight Recruiting:

Everyday Men Take The FBI Fitness Test and Is The Second Amendment Outdated?

Presented on US Sports Net By WBShop!

Is The Second Amendment Outdated?

By: Davey Crockett

The second amendment to the constitution gives United State citizens the right to own and carry a firearm anywhere in this country. Why would the people founding and declaring a new country called the United States of America want all citizens to own a firearm? The answer remains the same, food and protection. Remember, rights are not the same as privileges, where driving is a privilege, but voting is a right. In retrospect, owning a firearm is your right, not a privilege. It seems the people founding this country expected everyone to own and use a firearm. Training to use one’s firearm came naturally by practice shooting for food or protection. However, sanctioned weapons training were not required because most families used a gun on a daily basis.

Historically, understanding how, why, and when to use a gun was necessary in family life. Interestingly, the United States Supreme Court decided one more time in 2010; the second amendment gives all U.S. citizens the right to keep and bear arms. The Court ruled in 2010 the right to carry without infringement, trumping state law. The Court’s decision is directly related to the right to protect one’s life from evil doers.

Save up to 50% on hundreds of items at WBshop.com! Shop Now!

Some people say they have no weapon nor do they want to have a firearm. They do not carry or own a weapon based on the premise one will never be required. This premise seems based on feeling relatively secure in yourself even understanding or, at least, considering people around you are carrying a gun. In many cases, this scenario plays out daily all around us. Why would one feel secure while believing people around them are carrying firearms? Maybe it’s because the unarmed citizen holds all people including the armed citizen, be and act fully accountable for keeping true to the highest sanctity for human life. This makes sense because the example mentioned above plays out daily all over the world, not just the United States.

The same scenario plays out daily because the vast majority of people owning firearms feel the same unequaled sanctity for life as most humans feel. If the example here is given credence, then the evidence speaks for itself. Historically, civilizations do not condone chaos because humans have always felt compelled to protect the innocent even over fear of the attacker. Today is no different; most people understand the sanctity of life and respect one another enough not to use violence to solve a disagreement, especially when the stakes are life itself. So it is for most people owning and carrying a weapon.

Personally, I hold the belief that such an event will not occur in my life causing me to use deadly force. After all, it may be my death. However, I believe I may be involved in a car accident, even though people driving understand the consequences of being involved in an accident. Meaning, drivers are aware of their vehicular responsibilities and the consequences of their actions. In the same way, most people carrying a weapon share the same awareness and do not walk or drive around expecting to be involved in a gun fight, based on the consequences of being shot. In retrospect, most evil doers also know people are unsuspecting and attack their victim’s at the most opportune time.

Unfortunately, evil doers will take advantage of the innocent and use fear to intimidate their victims. This fact cannot be denied. These demented cowards use many types of weapons to intimidate their victims, causing fear and confusion to assist in accosting their victim. The experts say having a gun could cause one to be killed in an altercation because citizens carrying firearms are not trained well enough to thwart off attackers. (1) Experts in law enforcement say citizens carrying guns may be more likely to be shot with their gun during an attack because the attackers are assumed to be better trained or have the advantage of surprise. However, law enforcement does not display statistics for proof of their statements.

The people writing and creating the second amendment had no second thoughts about the importance of a firearm. These early Americans knew they needed protection from all wanting to do harm, even the most powerful nation on earth at the time, Great Britain. It is no surprise these brave souls risk their lives by communicating the intent of the newly born United States. The example illustrates these early Americans used firearms for self-protection from all, including the mother country and can be used today for the same reasons, added security measures with firearms.

Reference

1. Every man, woman, and child in U.S. should carry a gun. www freep com
Davey Crockett - https://www.articleelf.com - Article Elf - Read more articles, submit your articles, add free content for your newsletters and emails.