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Students and Their Personal Finances

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You have just started University or College. Money has become a huge matter because the expenses have increased. You decide to get a student loan or perhaps a scholarship but financial aid can be very complicated and there are many other students just like you. When you do have money, you lost track on when and where you spent it. So here are a few helpful hints on budgeting and economizing your way to a better lifestyle.

 Before considering the idea of borrowing money, do explore all options of gift aid possible like rewards from associations or religious affiliations. These are like mini cash aids. One association might give you 100 dollars, another perhaps 50 dollars. These small amounts can add up to a big one.

 Spend some time at the beginning of the course semester; by the time you get used to your daily routines, you can plan your finances. Have a record comparing your income and expenditure. Plan on how to maximize your income and to minimize your expenditure.

 Keep a record in a book of what you spend. You might think the little expenses such as a candy bar here and a soft drink there would not hurt your pocket. But it is these small things that eat into your wallet. Scribble down every expenses. After a week/month you can then check your outgoings and keep track of your expenditures. File all your receipts, bank statements, grant and loan details for future reference. Also check your monthly bank statements because mistakes are common.

 If you have regular monthly income (like salary from work, or a student grant), do not be tempted to spend it all at once. Stretch that over a period of one month. Save the balance in your bank account.

 Take up holiday jobs or even work part time after classes and during the weekends for extra income. A job can also help to boost your career prospects when you graduate.

 When possible, use public transportation or car pool. Many colleges provide free, on-campus shuttle bus service. If the journey is not too far, why not brisk walk to your destination. You saved on transportation fees and had a great workout thrown in as a bonus.

 E-mail instead of phone calls. Not only is it cheaper, you can also reach more people at just one go. If you prefer calling, get a prepaid cell phone service, which helps you eliminate the monthly subscription fees. If you make frequent long distance calls, sign up for a medium quality international call provider instead of a high tech one because it is cheaper. Try out online messengers which provide video conferencing or phone call services. It is way cheaper.

 Try applying for an in-state college or university so you can stay at home. Eliminating extra expenses like lodging fees.

 Search for second-hand books rather than new ones. There sure will be graduates who wish to get rid of their old books.

 Try and make cash withdrawals once a week at the bank you have an account with or its branches. Also keep the receipts for the withdrawals you make. Avoid carrying the cards with you.

 Keep a simple lifestyle. Do not always spend unnecessarily and get rid of expenses that you do not need. For example a chocolate bar that cost 50 cents per day, in 10 days, you would have spent 5 dollars pacifying that sweet tooth.

 Quit bad habits such as drinking, smoking and gambling. First, such habits will slowly kill you and secondly these habits waste money.

 Be environmentally friendly. Switch off the lights when you leave the room and turn off the tap when you are done. Use both sides of a piece of paper and recycle the ones you no longer want. Recycling not only saves the earth but also helps to put some money back into your pockets.

 When you are downloading stuff over the Internet or just simply listening to music on the computer, switch off the screen. The CPU requires only 40% of the power to run; the rest is taken up by the screen.

 Invest in a coin box but not just any coin box; buy the ones without any ‘withdrawal’ holes in them. The clay figure ones are quiet cheap. Put in your spare change in them. Every cent counts.

 Fixed deposits are a great way of cashing in. If you have a minimum amount of cash required by the bank, that you can spare for a short period of time, put it in a fix deposit as the interest is higher compared to normal bank accounts. However, please check and see which bank offers a higher interest. Another good option would be to invest in a mutual fund. Check out your nearest bank for further information because each bank has a different policy and interest rate.

 Have long term goals such as buying a car and then create a fund to buy the car by putting money aside each month. In the end, even if you no longer wish to buy a car, there will be money for other things.

Adeline Ong © 2006

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Source by Adeline Ong

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iPhone Application Development – Earn Money Through iPhone App Store

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The Internet Revolution! I’m sure you read and heard a lot about it and so I won’t list the myriad ways in which it has changed everything. Professionals capable of working independently and creatively have benefited the most from the ubiquity of the internet.

There are so many ways I which you can showcase your talent to the world (or hawk your wares): you can write a novella, self-publish it over Amazon, and if people like it, you will mint money; you can post a funny video over YouTube (or start you own ‘Channel’), and using nothing more than your skills and ingenuity, find fame and fortune; or you can use your iPhone application development skills, sell your app(s) in the Apple App Store, and buy that yacht you’d always wanted!

Over 2 billion apps are downloaded from the iPhone App Store every year, and as the sales of iPhones continues to rise and more people start using iPhone, the demand for iPhone apps will increase. iPhone apps are constantly making the news and they are one of the prime reasons for the success of iPhones. Experts predicts that 3G smartphones which offer all the facilities of internet will replace PCs and laptops, and apps are the things that make it easier for the users to use their smartphones in lieu of computers: the market for apps is huge, and it will only grow further over time.

Do you have creativity, talent and innovative ideas? There are school students out there who are making serious money developing iPhone apps and selling them using the iPhone app store. Do you think you have the app idea of the decade? You don’t necessarily have to have a scientific and technical mind to gain success at iPhone application development: all you need is an idea and the ability to transform it into reality.

The best thing is that there are a number of free tutorials and SDKs available on the Internet; you can use download them for free and learn how to develop apps for iPhone apps. You might need t invest some time to study how to develop the best apps, and then how to market them over the net, but thereafter your creative ideas will take you far.

Even if you are not good at logic and math and programming is just not for you, you can still take help from professionals and pay iPhone developers to develop an app based on your idea. If your idea is really good, you could convince them to work for royalty from the sales of the app. And if your idea is really good and you are sure that the app based on your idea is going to sell like hot cakes, its best to pay the developer upfront and have complete control over all the profits on your iPhone app!

Once the app is ready, you just need to follow the simple guidelines on the iPhone app development store and list your app on the list of available apps. But there are millions of apps on the iPhone app store, and so you will need to do things to get publicity for your apps: get a website in the name of the app, try and make someone do a piece about in a magazine, keep your fingers crossed, and wait for the world to wake up to the proof of your genius!

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Source by Vatsal M

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What Can I Use Bitcoins For?

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Practically, almost any product or service that can be bought with dollars or other currencies can also be bought with bitcoins. On the other hand, the high volatility of bitcoins is a huge risk for some people that might want to use this cryptocurrency, but they are afraid about price differences. Even so, the characteristics of bitcoins make them perfect for internet payments:

1. Fast transactions

A bitcoin transaction is processed in 10-15 minutes. In case of a bank transfer, it might take hours or even days for the money to get from one account to the other. Some might say that PayPal or other ewallets are even faster. It is true, but there are other aspects that ewallets can’t give: privacy and smaller commissions.

2. Privacy

When you send bitcoins to a partner over the internet, the transaction will be registered in a blockchain. The list of transactions is public, and it can be verified on specialized websites. Only the identification number, the sum and the time are recorded. There is no way for somebody to find out from where the bitcoins come, and where they go. This is characteristic of bitcoins attracted many people. Well, some of those are interested about it because they can buy illegal goods with those, but the majority of bitcoin users are people that want to buy legal items and services, but which don’t want to disclose their identity. Porn and gambling websites might be immoral, but they are not illegal, so people that want to subscribe for those services can safely pay in bitcoins on the websites that accept this currency, knowing that their reputation will not be affected.

3. Smaller commissions

The average commission is 0.002 BTC for a transaction. It is significantly smaller compared with the PayPal or banking commissions. Moreover, you are not even obliged to pay it. By paying a commission, you “reserve” the computational power of a pool (or at least a part of it), to process your transaction faster. You even have the possibility not to pay the commission. In this case, you might need to wait two or even three days for your transaction to be processed. If you are not in a hurry, this might be the perfect opportunity to make money transactions with zero costs.

Of course, there are also disadvantages for using bitcoins, such as the possibility to lose them. If somebody steals your bitcoins, or if you delete the wallet files, it is impossible to recover those. As long as the bitcoin is not regulated, there is no central organism for arbitrage between divergent parts. In other words, you can’t complain if you lose or you are robbed by your bitcoins, simply because there is nobody to complain to.

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Source by Stanculescu Mihai Bogdan

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Things You Should Know About Bitcoin Black

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What is Bitcoin Black?

Bitcoin Black is basically the cryptocurrency of the people, by the people for the people. It will be adopted for use as a peer 2 peer payment system which gives the power back to the people.

If we talk about Bitcoin, Bitcoin has failed at this, real value comes from real use of the ecosystem and empowering people. Bitcoin transactions are slow and expensive, and it can be said that Bitcoin is somewhat centralized. Bitcoin takes power of people because it is heavily manipulated and through cycles that discourage participants from cryptocurrency in general.

People buy bitcoin to get rich, not to be involved in the ecosystem. The one percent elite takes advantage of bitcoin and creates discouragement, strategically increasing the price and attracting entry for the dream of wealth and dumping coins for their benefit. In fear of adoption. Bitcoin is completely controlled, pumped and manipulated at will, for many different reasons.

Bitcoin Black is focusing on solving these problems as the coin is a cryptocurrency with a fair distribution Airdropped to 1 Million wallets prior to IEO which all funds will go to community groups voted by the community to move the project forward with focus on fair distribution, mass adoption, usability, education, ease of access, simplicity and community.

The goal is to make it a real decentralized autonomous network giving back power to the people. He does not belong to a group, but belongs to many branches of the community.

Distribution of Coins

Bitcoin Black is aim to have airdrop to at least 1 million wallets initially with not more than 0.5% of supply owned by 1 founding member making it truly decentralized cryptocurrency.

The project have a pre-sale of 2.5% of total supply which is almost 900 Million coins.

If we take a take a look at the IEO, 7.2 billion IEO coins will be allocated to several community foundations that will help the community move the project forward in the future.

Counterpart funds for manipulation (around 5%). Part used for the stability control fund to eliminate the possibility of early manipulation at low volume and maintain currency stability.

Finally, the rewards for introducing the application will be 14.4 billion coins.

Introduction of 30 million members with an increase in the rate of new users. A method of bringing the coin into every schoolyard / university / workplace and community.

Total Supply

A maximum supply is 36 billion coins.

Rewards

3.6 billion coins to be claimed by members who help share Airdrop.

Simple social sharing platform in one click. Share a social message that provides an introduction to encrypted video and the app download link that will allow your friends to download it. Currently the platform is active and functioning well.

Innovation

The best innovation is the Fee free transactions. You can send bitcoin black to anyone free of charge. The transactions are Instant and you can send money as easily as sending an message.

The wallets are easily accessible and very simple to use.

Conclusion

Bitcoin black have a fair mass distributed currency with supply spread widely that it will create less volatility by synchronized pumps and dumps and lead to a more stable price. Bitcoin black is going to be the next bitcoin. You can register for the airdrop by clicking here. I wish someone back in 2008 would have included me on the Bitcoin airdrop. Bitcoin Black will be life changing and we want to tell this to as many as possible.

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Source by Mark West

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