Student Loan Refinancing – Things you need to know Comments Off on Student Loan Refinancing – Things you need to know 0

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Students who want to refinance their student loans nevertheless aren’t sure to get approval; here is Student Loan Refinancing guide you must need to follow!

Refinancing is another name of loaning but at the lesser rate of interest and in a convenient possible way.  It helps you to combine each private and every federal loan of yours, into a single debt and hence makes it easier to pay just one amount instead of numerous. Moreover, student refinancing helps students to make saving up to 20,000 in their complete span of the loan.

As Student loan refinance has got several benefits, so some students apply for it every day, and due to a higher rate of applicants, only a few get approvals. It is the reason; you need to read your refinancing application professionally so that you don’t get rejected.

Here are top 5 Student Loan Refinancing things you need to know in making your refinancing approved:

700 or More Credit Score

A credit score is a ventilator for your student loan application. All the lenders evaluate your eligibility to be approved on this parameter. Lending companies ask you for your credit history documents to figure out if you fulfill your financial obligations properly. Make sure that you do and have good credit history to convince your lender.

Have Good Earning

You need to have a legit job and enough income that proves yourself in a position to pay every installment of your student refinancing loan; or else you won’t be approved. You can increase your income by doing double jobs and freelancing on the internet. It will not just enable you to give back loan amount but to elevate your livelihood-standard.

Find a Co-Signer

If you are not in a position to complete good earning condition, then it is time to find a co-signer. Co-singer could be anyone with eligible earnings and a great credit score. He/ she could be your family member or friend. One thing you need to make sure that he/she be the guarantee signatory for your application that makes him equally responsible for paying your debts.

Companies to apply in, for student refinancing loans

When you are done with completing your documents and finding out a signatory for your loan application,it’s time to hunt for companies, i.e., offering to lend money in the name of refinancing. As the demand has increased so do the supply, thus now we have numerous governmental and private lending companies to help students; apply only in those who are reputable.

Apply in More Than One Bank

As the competition is huge hence it is better for you to apply for refinancing loan in more than one institution. By doing so, in case you are rejected from one loaner, there will still be chances of approval from the other one. Moreover, if you are rejected once, then don’t forget to reapply for student loan refinancing because of try, try again, gets you succeeded.

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Time Saving Beauty Hacks For Busy Moms 0 5

Time Saving Beauty Hacks For Busy Moms
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No matter how busy you think your life is, you’ve probably got nothing on the crazy schedule of a new mom. All at once, everything else in your life that used to draw your attention is now shifted to your child. It’s not surprising or unnatural that putting aside time for some much-needed self-care is no longer a priority once women start a family.

The constant needs of a child can drown self-care needs that used to be a priority before motherhood. Taking time to style your hair just right, put on a full face of makeup or even getting to have a shower all to yourself seem like the dreams of yesterday for busy moms.

Being a mom, whether you are in Chicago or Los Angeles is the most important role that you will ever have; it’s universally demanding. It’s also important to start teaching your child about taking time to take care of themselves, which they can learn by watching you. Grooming habits and taking care of yourself even when you are pressed for time is a good example of healthy habits to pass along to your children.

You don’t need to look like you are about to walk a runway every day but there are a few time-saving beauty hacks that are great for busy moms. From getting the best laser hair removal Chicago has to offer to embracing your natural hair color and texture, you can still save time and look radiant.

Minimize Makeup Routine

There isn’t a mother on the planet that doesn’t know what it’s like to always look tired around the eyes and lose a bit of your natural glow from pure exhaustion. You may not want to completely embrace the fully natural look but, that doesn’t mean that you can’t show your beauty to the world.

Start with a combination product that includes moisturizer and a light pigment to help you renew your skin’s moisture and even out your complexion. Add a bit of mascara to your upper and lower lashes to give your eyes a more alert and open appearance. Finish off your look with a bright lip stain that will stay on all day and stand up to lots of baby kisses.

Shower At Night

Days are the busiest time for moms so it can be nearly impossible to fit a shower for yourself into the schedule. Take a bit of time at night when the day slows down a bit to jump in the shower for a few minutes. This can become a relaxing routine at the end of a long mommy day and help you to sleep better and rise ready for another day.

Simple Hair

When you become a mom you can say goodbye to fancy hairstyles on a daily basis. This doesn’t mean that you have to walk around looking like you have never used a brush or a comb but, embracing your natural hair has its benefits. Get comfortable with your natural hair texture and try simple styles that can be done on the run.

You may even want to go with a short and sassy style when you start your family. Most women can rock a pixie cut with very little effort and maintenance.

Laser Hair Removal

Mom’s that can barely get in the shower long enough to rinse off don’t have time to worry about shaving their legs. Most moms know that things can get pretty prickly between shaving sessions. If you want a permanent solution you can talk to a dermatologist about the benefits of having laser hair removal treatments.

Conclusion

There is nothing more beautiful than a new mother. Even with a busy schedule and a huge shift in your priorities, it’s still possible to look your best with these time-saving beauty hacks.

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What New Parents Should Look for in a Credit Card 0 7

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Author: Michelle Couch, Financial and parenting writer

Michelle Couch is a freelance writer who covers family finance, personal finance, parenting and more. Couch lives in Maryland, MA and loves to leverage credit card points to travel with her husband and two children. 

Having a baby brings overwhelming joy but also comes with a lot of new expenses. From buying packs of diapers in bulk, to walking the grocery aisles for baby food, your expanding shopping list may mean it’s time to consider opening a credit card that fit your new family needs.

Data shows, in the first year alone, the cost of raising a baby can run up to $21,000, and the cost of raising a child to adulthood can increase after that. In order to maximize your financial flexibility and your credit card rewards, the credit cards you carry should evolve as your family and spending habits change. Read on for the qualities you should look for as well as some of the best credit cards for each stage of raising a family based on your goals and spending habits.

Parenting stage: Newborn baby

When you have a newborn baby, you will spend an outrageous amount of money on new baby gear – from diapers to medical bills and childcare. Having a credit card that gives you rewards and cash back for all those expenses can be beneficial and help ease the burden of all those extra costs. Choose an easy-to-use card that will reward you for the spending you’re going to do and skip cards that give you extra points for entertainment and dining out, since you’ll likely cut back in those categories. The Brim Financial credit card, for example, has built a unique rewards marketplace that provides points for the things you will need for your little one like groceries and retail items.

Parenting stage: School-age kids

As time goes on, you’ll spend less on diapers and baby food, but that does not mean spending costs will decrease. A USDA analysis found that family expenses actually increase as a child ages. Spending costs will go more towards extracurricular activities and your grocery budget will increase. New moms and dads will appreciate the Blue Cash Preferred® Card from American Express because this credit card offers the highest cash-back rate at U.S. supermarkets at 6%.

Parenting stage: Teenagers

Once your child is 16, many experts recommend making your teenager an authorized user on one of your credit cards to help build your child’s credit history. Keep in mind that just because you add your teen as a user doesn’t mean you have to give them the card. If your goal is to maximize rewards, The Chase Freedom and Discover It Cash Back all offers 5 percent cash back each category in different categories, ranging from dining to gas.

Parenting stage: Kids off to college

It’s never too early to start saving for your child’s college education. 529 college savings plans are your best bet when planning for future college costs. A 529 plan is a savings account where the money is used to pay for the beneficiary’s college expenses and K-12 tuition, tax-free. If your goal is to enjoy more time to yourself since your child is away at college, apply for a premium travel card with a big sign-up bonus to help pay for those planned vacations. The Chase Preferred and Reserve cards offer 3 percent back in both dining and travel.

The Takeaway

As your children grow from diapers to college caps and gowns, different credit cards can help you reach and manage your goals dependent on your household spending. Credit card users should switch cards frequently as their spending habits change and the issuers change their offerings.

Photo by Blake Wisz on Unsplash

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