The Thieving Bear

Couponing for the Real World

The Thieving Bear - Couponing for the Real World

Critical Decisions Regarding Student Loans

The cost of a college education increases every year. In fact, these costs are growing at a faster rate than family incomes. People are finding it more difficult to afford college. As a result, many families are turning to student loans to finance higher education.

Consider these key points to make smart decision about student loans.

College costs today

The costs to attend college today are substantial. According to the College Board’s statistics for the 2014-2015 school year, the average annual tuition and fees for a private, non-profit, 4-year college is $31,231. That compares with a public, 4-year out-of-state tuition of $22,958. A student attending an in-state public university will pay $9,139.

Collegedata.com explains several other costs that a student may incur. College tuition may vary, depending on the major an individual selects. The site explains that, for example, the University of Illinois charges a higher tuition level for science and engineering majors. Most universities also charge a variety of fees. Those fees may be for campus transportation or for student athletic facilities.

Students who attend college away from home also pay for room and board. Campus housing and meal plan costs can also vary greatly.

Grants and scholarships

People that need to finance college costs have several choices to consider. The first priority is to apply for grants and scholarships. These funding vehicles can lower the cost to the student. Grants and scholarships may be based on financial need, academic performance in high school, or both factors. The award can be a one-time payment or an award over several years. A student may have to maintain a minimum GPA to remain eligible for the grant or scholarship.

Types of student loans

If grants and scholarships are not enough, many families take out student loans. Student loans may be subsidized or unsubsidized. A subsidized loan means that the loan has a low interest rate. The borrower does not incur interest costs on the loan balance while the student is in school. Subsidized loans are awarded based on financial need.

An unsubsidized loan may also have a low interest rate, but the student does incur interest costs on the loan balance while they are a student.

Navigating the federal student loan process

A starting point for many student loans is the federal student aid process. Families start this process by completing the Free Application for Federal Student Aid (FAFSA) form. This form is used to apply for federal grants, loans and work-study funds through the US Department of Education.

There are several types of loans offered through this government agency. Keep in mind that the family’s personal credit history is a factor with student loans. Some loans require a credit check and others do not. In addition, some loans are only available to borrowers with a good credit history.

Specific types of loans

Here are some of the loans offered through the FAFSA application process:

Direct PLUS Loans are issued to borrowers that do not have an adverse credit history. The maximum loan amount is the cost of attendance, less any other financial aid received. If a borrower does not have good credit, they may be able to borrower by getting an endorser. The endorser signs as a borrower on the student loan. Their good credit history allows the lender to approve the loan.

Perkins Loans are low-interest federal loans that are made to students with exceptional financial needs. In this case, the school is the lender- not the Department of Education. Approval for these loans depends on the availability of funds at your college.

Private student loans

One final consideration for student borrowing is a private bank, or some other financial institution. The lending standards for borrowers are higher at a private bank. You will need to have a good credit history, since these lenders will require a credit check. Private student loans may also have a much higher interest rate than loans through the federal government.

Financing college can be challenging. If you do your homework, you can secure the financing your need to pay for college.

Sources:

http://www.simpletuition.com/student-loans/no-credit-check/

The College Board

http://trends.collegeboard.org/college-pricing/figures-tables/average-published-undergraduate-charges-sector-2014-15

Collegedata.com

http://www.collegedata.com/cs/content/content_payarticle_tmpl.jhtml?articleId=10064

Federal Student Aid

https://fafsa.ed.gov/

https://studentaid.ed.gov/about

Bedtime Bedding Set to launch on Kickstarter

Getting enough sleep is essential to your kids’s development and advancement. Studies have demonstrated that sleepless children get harmed all the more frequently, they get wiped out all the more effectively, their evaluations endure.

Making youngsters go to bed early can be a test for some folks, who realize that a beneficial day at school starts with a decent night’s slumber. One of the most effortless and most amusing approaches to make youngsters need to go to bed is by remunerating them with a bedtime story before resting. This will help them add to their keenness and partake in family time too.

bedtime stories

Telling unique bedtime stories isn’t a hard ability to learn and it can support your tyke’s creative energy furthermore help them frame mental pictures from words, a vital expertise for perusing. An independently customized bedtime story additionally can tenderly show life lessons while offering some important understanding into what the tyke may be feeling.

Need to recount an incredible bedtime story? Attempt Bedtime Bedding set to make your narrating more fun and fascinating for children. This crisp, remarkable thought consolidates the best parts of convention and innovation giving a different option for folks to lure their youngsters to go to mull over timetable, with a grin on their appearances.

Set contain the illustrated cover that set the stage for your stories and make your story look like a real. It is made up of Eco friendly materials with interactive parts. They used digital printing technology on cotton sateen with sparking creativity to make story interactive.

It is created by Dora and Gabor and young couple who honestly believe that they have found a solution to all that. They are about to launch on Kickstarter. You can sign up for their newsletter to get $30 discount on your first purchase.

Visit : http://kck.st/1HagBsg to watch their video

What You Don’t Need To Spend (On Entertainment) Costs You Plenty

When it comes to the family budget, think about two days of the week: Friday and Saturday. That’s when the entertainment budget begins to burn holes in your pockets.

Sure, the weekends are fun, but they can really wreck havoc on a family budget.

Just look at Monday through Thursday. That’s when we pack a lunch and head straight home after work. But Friday rolls around and we dash right off to happy hour and begin to spend our discretionary funds. By the end of the weekend, we’ve gone out to dinner once or twice, hung out at a local watering hole or taken our partners out dancing or to the theater. On Saturday, we attend a sporting event with the family during the day and hit the movies at night. Fun, fun, fun. Spend, spend, spend.

Ironically, what we spend on necessities: Food, clothing and shelter, are items with slim profit margins. But the money we toss away without a thought — entertainment — is largely spent on industries with enormously handsome profit margins.

To learn more, try this trick: Take out your paycheck in Monopoly money and start making piles to represent where the dollars are going each month. You could be surprised.

By averages you will find, says financial consultancy CreditLoan, the average American family spent $51,100 out of earnings of $63,784 – the difference going to Uncle Sam or to state and local governments in the form of taxes.

Out of that $51,100 the average family spends – in data taken from year 2013 – the largest chunk of change, by far, goes to housing. An average of $17,148 is spent on shelter, almost twice the second most expensive item on the list, transportation.

American spend an average of $9,004 each year getting from place to place. We then spend $6,602 on food, $5,528 on pensions and insurance, $3,382 on “other” and $3,313 on health insurance. We then spend what looks to be a modest $2,572 on entertainment. But the numbers here are deceiving.

In fact, we spend more on entertainment than we do on clothing, which averages $1,740 in spending per year. But there are problems with the entertainment line item. We spend, for example, $2,625 per year eating away from home – at restaurants. Yes, you have to eat, so that’s not considered entertainment. But some of the expense of eating away from home is clearly a frivolous expense, ipso facto, entertainment. We could eat at home and save a bundle.

Restaurant prices have long been the bane of the American family budget. Average price of a restaurant meal per person in New York City is $48.56, about $8.03 above the average nation-wide, according to the Web site Zagat. In fact, the average tab, including beverages and the tip, runs to $112.49 in New York. Nationally, a restaurant meal costs $32.60 on average, while the per person tab averages $66.81 in the United States, Zagat says.

Some estimates put restaurant eating at 14 percent of our annual expenses – that’s almost a fifth of what we spend each year, going to a line-item that is noted for extraordinary profit margins.

Therein lies the moral of this story: The profit margins for shelter and for heat and electricity – very necessary items – are very low. But the profit margin for entertainment – are extraordinarily high. You would think it would be the opposite. Since we don’t need it, why do we overspend? On the other hand, we need shelter, but we budget that with a very tight fist.

Now look at the category labeled “other expenditures.” This, too, has some overlap with entertainment, given “other” includes gift giving – and that includes expensive electronic gadgetry, like a PlayStation or an Xbox, or a home stereo system.

In fact, that modest $2,572 entertainment line in our budgets honestly runs much higher with most of the eating out budget and the “other” items could be lumped in with entertainment.

After all, you can feed a family of four for $146 to $289 per week, according to USA Today. That means the tab for one restaurant meal for four people on average runs $130 to $267.24, which is near or better than the cost of feeding four people for a week if you shopped at a grocery store.

My suggestion: Take a parent’s point of view. Parents know the value of entertaining their children, because childhood is about play and play includes entertainment. Sports and theater, to name two items, are valuable parts of our education when we are young.

On the other hand, a parent thinks this way: I could spend $32 on the movies and entertain two children for three hours. Or I could spend $20 on a Frisbee and entertain four children for two hours – and that Frisbee is still available in the future, as well.

This means, dollar for dollar, pound for pound, nothing in the history of mankind has ever come close to the entertainment value of a good, old-fashioned television set.

With the advent of the television in the 1950s, the average family could afford to watch the world’s best entertainers without leaving their living rooms. Even the great, large-screen systems available now and the home-entertainment sound systems give hours of entertainment for the dollar. This is a deal on the order of public schools. You can’t beat it with a stick.

Television, by comparison, shows you the incredible profit margins we allow for entertainment.

Let’s start with the price of going to the movies. A college professor at the University of California, Irvine, in fact, did the math. It costs an average of 90 cents for a theater to make a tub of popcorn and the average price for a customer is above $8.00, the professor found. ($8.15 to be exact.) It costs the theater 51 cents to hand you that soda, including the cup, the lid and the straw … and the average price for the customer is $6.31 for a large soda.

Candy prices fell into step with those prices. It costs $2 for the average box of candy and the markup was over 100 percent. The average price for candy was $4.25 per box, the professor found.

With those prices, a family of four could watch a movie at home for 90 cents time four ($3.60) plus $1.80 for two tubs of popcorn. You have to add in the cost of the television divided by the thousands of hours that television will run and add in the cost of the television service – the cable or the satellite service – which you also divide by how many hours you have that service operating. This ends up as roughly $5 for a family to entertain itself at home, snacks included. For that, you could not even buy one ticket at the local cinema. It could be even less once you learn more about saving on your entertainment packages.

It turns out, pricing is an opportunistic phenomenon. If the opportunity exists for prices to go up, then they will.

Strangely, television has made major sporting events accessible around the world, but similarly, the price of attending a sports event has also gone through the roof since the invention of television. The Washington Post points out that the prices of a ticket to a sporting event has risen 344 percent above and beyond inflation since 1957 – just about the time television became an option for the average family.

Sears: from travel deals to furniture, toys, clothes and more!

Collecting coupons used to involve scissors, magazines and a lot of time and, not to mention paper cuts. Now you can make things much easier using coupon codes and the hundreds of sites dedicated to sharing them, saving you time and wear and tear on scissors (I’m not sure I’ve ever had scissors wear out but it has to happen eventually).

But if you’re just totally old school and insist on being unapologetic retro in all your dealings, you can get printable coupons for Sears (or dozens of other stores). You can then go to the shop, in your horse and cart or just on your own two legs, and order all the finest in Sears products.

Sears offer a huge range of products these days, not just the standard fare. From offering furniture and clothes, like most department stores, they have graduated to a huge range of products, including stuff you can’t just pick up off the shelf, like automobile repair and travel deals. Obviously  they have a website – several, in fact – and you can now visit Sears Canada online to do your shopping instead of having to get in the car, which is a) nice and b) better for the environment.

But you insist on the paper Sears coupons which you can take to the shop. Maybe you’re scared of computers. Maybe you just like walking around the shop. That’s fair enough. They had one of those new, bendy, UltraHD TVs last time I was there and there was a crowd of people staring at an image of a city with their mouths open, probably wishing they hadn’t made all those jokes about old people and just brought some paper coupons with them so they could buy a TV so big they’d have to knock down a wall to fit it in their lounge. But who needs a wall? You can just play an image of a wall on the new TV and it’ll look better than real life.

Whether you manage to overcome your morbid fear of online shopping or just tear yourself away from the giant TV long enough to actually buy something, you’ll want the best possible price, and with a whole range of coupons and coupon codes out there, you can get it. Screw the paper cuts, everyone will be laughing on the other side of their faces when you drive down the street with an enormous television strapped to the roof of your car. It’s lucky that Sears offer repairs because you’ll need them after your car’s been gently crushed by the weight of the thing. You can probably get a coupon for that, too, if you like.

10 Ways to Get Beach Ready This Year

As the weather starts to turn warm again, many people find that their body does not look quite the way they want it to after the winter doldrums. However, you still have time to get beach ready this year, and it does not have to be a painful process.

This list of ten ideas should get you started; pick one and run with it. See how it works for you. If you like it, and you like the results, try another one. See how much progress you can make before summer!

1. Tone Up

Toning exercises are quick and easy ways to get your body ready to put on a suit.

2. Focus on Your Locks

Your hair is part of your body, and you probably want it to look its best. If your hair does not have a lot of body, pick up Kerastase Densitive. Give it about twelve weeks to work, because you will not see immediate results when it comes to your follicles. You may feel that you do not want to spend money on this type of product, but you really have nothing to lose. See what type of results you get and then decide whether you want to keep using it.

3. Moisturize Dry Skin

After the harsh winter weather, skin tends to be quite dry. There are certain areas that dry out faster than others, including the elbows and knees. To fix this problem, engage in a bit of exfoliation with a body scrub or loofah when you are in the shower. Once you get out, apply a moisturizer. If you begin right away, you should look (and feel!) better in about two weeks.

4. Consume Essential Fatty Acids

Fatty acids are important. They help with your skin, your hair, your nails, your emotional state, your brain and your heart. If salmon does not appeal to you, try out an organic beauty oil from Neal’s Yard Remedies.

5. Sculpt Your Brows

Unruly eyebrows can make even the most delicate face look harsh. Therefore, it is a good idea to get a professional to shape your brows and soften your look. Once you have it done right once, you can maintain the look yourself with a pair of tweezers. You just have to stay on top of it if you want to continue to look great!

6. Work on Your Feet

Many people live in flip-flops when the weather gets warmer. If that statement applies to you, a pedicure is in order. It is relaxing to have a professional work on your feet, and a pedicure also lasts quite a while. You can maintain the look yourself in between pedicures, as well, if you would like.

7. Some people have more hair on their body than they would like. Laser hair removal is always an option, but that takes both planning and money. If you choose to go that route, make sure to stop treatments several weeks before you plan to spend an extended period of time in the sun. Your skin is very sensitive following that procedure. You can also pick up a product meant to lighten your skin as well.

8. Eyelash Dye

Don’t forget about your eyelashes! You can’t wear mascara in the water or you will wind up looking like a raccoon. Instead, think about getting your eyelashes dyed. You do not have to worry about mascara the entire time you are on vacation.

9. Get a (Fake) Tan

There are fake tanning products out there that give you fast and realistic color. However, try out a few products well in advance of your trip so that you learn how it works and how to apply it. A fake tan is much better for you than a real one!

10. Cut and Color

You “wear” your hair every day. Take care of it by getting a good cut and perhaps a few highlights as well.

Billy’s World – Best Nursery rhymes store

Parenthood is filled with struggles, and every parent is searching for a way to keep their children entertained for even just five minutes of downtime. One way to achieve these frantic few moments of solitary peace comes from nursery rhymes. Nursery rhymes have been shared with children throughout history, with the earliest written children’s song dating back to the Middle Ages. They’ve been associated with memory building, teaching a child how the language works, and the preservation of culture.

nursery rhymes for free

Billy’s World is here to help you educate and entertain your children. At www.billysworld.biz there is a lot of content available, all for you and your child’s educational benefit and amusement. Using bright colors, playful rhymes, and a multitude of selections to choose from, there is enough content to entertain your child for hours. The website even offers free MP3 downloads (including Wheels on the Bus and Baa Baa Black Sheep), in case you don’t have access to their respected YouTube channel.

The YouTube channel (Billy’s World) offers many educational opportunities, including teaching your child the ABC’s, the difference in upper case and lower case letters, and even includes a lullaby option that is soothing and sure to put your child down to nap for those few minutes of peace you’ve been searching for. Billy’s World even has a club associated with the website, where parents can sign up via email to receive nursery rhyme updates directly to their inbox.

Billy’s World is the best nursery rhyme platform out there to provide your child with endless entertainment and ways to educate them under the premise of having fun. The use of puppets and motions within the videos allow children to become more interactive and apply the knowledge they gain from the nursery rhymes to their every day learning experiences. Sign up for the Billy’s World Club on the website today!