Places to Never Use a Debit or Credit Card to Make a Payment – Pg #alpha #finance


#daily finance

#

Places to Never Use a Debit or Credit Card to Make a Payment

What to Use Instead of Your Bank or Credit Card

Re-loadable pre-paid cards and cash are two good options since they are not linked to any personal financial information. Using cash is the best way to avoid overspending, because it makes you more aware of the financial impact that the purchase has on your budget, said Bruce McClary, spokesperson for the National Foundation for Credit Counseling, a Washington, D.C.-based non-profit organization.

You should not use your debit card anywhere other than in an ATM machine, said Steve Weisman, a Boston lawyer and a lecturer of law, taxation and financial planning at Bentley University in Waltham, Mass. You are exposed to more liability when you are using a debit card. Although laws limit your debit card liability to $50 if you report the fraudulent use to the bank within two days,that changes as you wait longer. If you don’t notice the fraud and report it to your bank after three days, your liability jumps to $500, he said.

“Your bank account will be frozen while the bank investigates the matter, thereby limiting your own access to the account,” Weisman said.

If you don’t have cash or a pre-paid card handy, a credit card is still a good choice because it may take banks many days to refund fraudulent charges or withdrawals, said Sanders.

“If an attacker successfully drained your checking account through your debit card, you could be without cash for quite some time,” he said.

Since nearly all debit cards can be used as a credit card, consumers should always use the credit card feature, Parker said. When the card is used as a debit card with the PIN being entered, you are risk for having both the card and PIN compromised.

“This could allow cyber criminals to directly withdraw cash,” he said.

With major retailers and banks such as Target, Sony, AOL, eBay, JP Morgan Chase, Home Depot, Anthem. TJ Maxx and Apple being attacked by cyber criminals and having millions of data records leaked and exposed. consumers should be more concerned about large companies, said Dave Bennett, CTO of IONU, a data security company based in Longmont, Colo.

“Hackers are going to go after the big targets, not the small fry,” he said.

–Written by Ellen Chang for MainStreet


Make Payment – Foundation Finance Company #motorbikes #on #finance


#finance company

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Make Payment

Online

You can create a new account by clicking Create New Account in the payment center and following the steps shown. If you have any trouble creating or accessing your account, please call us at 1-855-241-0024, Option 2 for Customer Service.

*We currently accept online payments by checking or savings account (no credit or debit cards).

By Mail

Please mail your payments to our payment processing center:

Foundation Finance Company
PO Box 3148
Hicksville, NY 11802

By Phone

Call 1-855-241-0024, Option 2 to make a payment by phone.

Revolving Credit Agreements

Here is a sample of our currently active revolving credit agreements. If you would like a copy of your specific revolving credit agreement, please contact our Account Servicing Department at 1-855-241-0024 ext. 4440.

Foundation Finance News

Your real competitor is the homeowner. Technical and management skills are essential to selling [Read More. ]

A survey conducted by Contractor Nation of over 1,729 homeowners who reported hiring a remodeler in [Read More. ]


Beginner Beans: Homemade Tea Tree and Coconut Oil Deodorant #how #to #make #homemade #deodorant


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When I started usingcoconut oil as an occasional deep conditioner for my hair, I also found quite a few sources saying it could be used as a natural deodorant. I gave it a try, and it worked. kind of. It had to be reapplied later in the day, and didn’t work well in the heat of summer or through a heavy workout. It also could leave oil spots on clothes if not careful.

I’ve also tried Tom’s, and while it smelled delicious. I had similar issues with it as I did with coconut oil–just not effective enough.

I pinned Jen’s recipe for homemade D.O.. but was still pretty hesitant to try anymore natural solutions. So, my sister-in-law tried it instead. She even convinced my brother to use it, and they both rave about it.

I know all the reasons to avoid antiperspirants and kept using ’em anyway. I desperately wanted another solution, so when I ran out of deodorant over a month ago, I finally made my own .

Phewy, what took me so long. This stuff is amazing .

Seriously, so easy with only 4 ingredients–2 wet and 2 dry. It smells yummy –you get to pick the essential oils used. And it’s healthier than antiperspirant or even the average store-bought deodorant.

I call that a win-win-win. 😉

Little changes like making d.o. or cloth-diapering or no ‘poo or the lena used to seem so unapproachable and epic hippie–now, I realize they can be just common sense.

Note: I am not a healthcare professional or scientist or chemist or anything worthy of giving guarantee on the information shared here. Just a gal sharing my personal experience, take it or leave it for what it is.

*Affiliate links used below. See full note at bottom of post.

Homemade Tea Tree Deodorant Recipe

1 | Mix baking soda and cornstarch in a small bowl.
2 | Heat coconut oil 15-30 seconds until liquefied, add tea tree oil and mix.
3 | Combine oils with powders, and store in an airtight container. Full recipe fits in a 1 cup container .

How to Store Homemade Deodorant

Deodorant Stick or Glass Jar

While the mixture is still soft, it can be poured in your preferred container. You can buy deodorant stick containers or reuse your empty deodorant stick container (doesn’t work well when mixture is melted), or an 8-ounce mason jar. or 1-cup pyrex container like the one in the pictures in this post. Start with whatever you have on hand, then see what you think and what works for you. For travel, it would need to be stored in a leak-proof container (i.e. one with a screw top lid like the mason jars ).

Refrigerator or Bathroom

The mixture can be refrigerated if you would prefer to apply it as a solid. That is probably the best solution if you’re hoping to use it in a deodorant stick container. However that makes it more difficult for travel. I prefer to keep it on the container in the bathroom where I get ready in the morning. Sometimes it’s solid and sometimes it melts, but it can be applied either way.

How to Apply and Use Homemade Deodorant

If the mixture is solidified in a deodorant stick, then you can apply as you might store-bought deodorant. You could also use a q-tip or some other “scoop.”

I use my finger to scoop a little out (just enough to cover the tip of my pointer finger), then spread it between my finger tips on both hands and apply it to my underarms. This is enough to last all day. I reapply if I’m about to go work out, or have been outside sweating in the heat a lot. I did this with my antiperspirant too, so no change there.

Does Homemade Deodorant Work?

Yes, it works! This recipe is great.

The small amount shown above is all I use at the start of each day. I reapply if I’m about to go work out, or have been outside sweating in the heat a lot. Although, I did this with my antiperspirant too, so no change there.

One important thing to remember is there will be some adjustment if you’re switching from an antiperspirant to this homemade recipe–because this isn’t an antiperspirant! You will sweat with this deodorant, and that’s a bit of a transition if you’re used to not sweating when using a store-bought antiperspirant.

If you’ve been using a store-bought regular deodorant, then this should work similar to that.

Like a normal stick deodorant, it can be prone to get white marks on dark clothing. To avoid this, don’t use too much and thoroughly work mixture into the skin (like shown in photo above) before putting on clothes. If white does show up on clothing, just a little water will get it off.

Why Tea Tree Essential Oil?

You are not limited to tea tree essential oil. That happened to be what I had on hand. (I found this one on clearance at The Body Shop. You can also find essential oil options on Amazon if you can’t find them locally.) I love the fresh smell of tea tree, and it blends nice with the tea tree soap we get from Trader Joe’s.

Its antiviral, antibacterial, antifungal, and antiseptic qualities also add medical benefits and help this mixture’s effectiveness as a deodorant.

There are lots of other essential oils that could be used (lavender or grapefruit to name a couple). Just do your research and make sure the one you choose is safe to use on skin (i.e, bergamot has a delicious citrus smell but shouldn’t be used on skin that will be exposed to sunlight) and that you don’t use too much.

*Note: Amazon affiliate links used. Any purchases made through these links could earn me a small commission with no extra cost to you. Thank you for your support when using these links for your online shopping.


Car finance: to PCP or not to PCP – just make sure you read the small print #st #george #finance


#pcp finance

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Car finance: to PCP or not to PCP just make sure you read the small print

PCP, or a Personal Contract Plan, has rapidly become one of the most popular ways to finance the purchase of a new car in Ireland .

Getting a loan of some description is pretty much a given when buying a car – few if any of us have ready cash in that sort of amount, and a PCP, with its temptingly low monthly repayments, often seems to be the best option. So much so that some have begun to offer PCP deals on used and nearly-new cars.

For those still at the “I don’t know what a tracker mortgage is” stage on PCPs, here’s a short summary: basically, they’re like a hire purchase agreement that’s been to accounting night school.

You pay a deposit (usually by way of trading in your old car, and deposit amounts can be as low as 10 per cent) and agree a finance package.

That package lets you pay off an agreed amount of the value of the car, leaving a “bubble” payment at the end. PCP’s neat trick is to guarantee the residual value of your car.

This guaranteed minimum future value (GMFV) is designed to leave enough value in the car to pay off the bubble and, theoretically, sufficient equity to act as the deposit for your next purchase.

At the end of the PCP agreement, you generally have three options: you can hand back the keys and walk away, debt-free (albeit also car and next deposit free); you can pay the final bubble and keep the car or you can trade in the car against a new one, paying off the bubble as you do so.

All fine and dandy? Not quite. There are some niggling details to having a PCP that generally get glossed over at sales time.

There are restrictions on mileage and condition, for a start. In order to be able to set the GMFV, the car maker has to have some idea of what sort of state the car will be in at the time of trade in. So, you have to maintain the car properly, stick to a main-dealer servicing plan and to an annual mileage limit.

“Mileage bandings are set to allow the calculation of GMFVs,” Jennifer Cullen. a marketing specialist at Volkswagen Bank, says. “Without them there is no way to make a fair calculation. The mileage bandings allow Volkswagen Bank Ireland to set GMFVs for different customers based on their mileage requirements.

“If a customer exceeds the mileage, there is a set fee,” she adds, “on average 6 cent per kilometre. This means that a customer travelling 1,000km in excess per annum will incur a reduction in their GMFV of €180. This is only if the customer hands the car back to VWBI.

“ If they part exchange with a dealer and purchase a new car, then this mileage will be factored into the part exchange value and therefore the equity in the next purchase. In simple terms, this is another element of flexibility and choice for our customers.”

Bigger issue

All well and good, but 1,000km is racked up pretty quickly. If, like me, you have family from Belfast to Dublin to Waterford to west Cork, you can easily put 1,000km on a car inside of a week. Condition of the car is an issue too – every bump and scrape will be taken into account come trade-in time.

Potentially, a bigger issue with PCP is that it restricts what you do with the car during the term. If you’ve taken out an old-fashioned bank or credit union loan, then the car is yours to do with as you please. Rack up mileage, add a new stereo or, crucially, sell it if you need to.

On a PCP, you cannot decide to sell the car if your personal or financial circumstances change. With a loan, you can, even if you then have to pay back the balance of the loan out of the price of the car. But at least the profits are yours.

(In fairness, one can suppose that the lower repayments of a PCP might make a scenario of financial inclemency less likely, but still. )

Emma Toner. marketing manager with Peugeot importer Gowan distributors, argues that a PCP is still a more flexible and cost-effective way of buying a car.

“The PCP customer has even more flexibility than with a HP agreement and they can decide on the course of action best suited to their personal circumstances at the end of the agreement.

“The customer weighs up the various choices and opts for the one that best suits their current position. Should they wish to keep the car, they can opt to pay the outstanding amount and keep the car, and can further finance the remainder. It is quite commonplace for customers to finance three-year-old cars.

“Alternatively, they hand the keys back or use the equity in the vehicle to start again under a new contract and drive away in a new vehicle with similar monthly payments and no deposit required. But the key thing here is that they make the choice that best suits them.

“Indeed, in a very budget-conscious world post-Celtic Tiger, I don’t believe Irish consumers nowadays enter into finance agreements with their eyes closed or are pushed into new car deals, or are they unaware of so-called ‘pitfalls’.

“Rather,” Toner adds, “they are extremely savvy and more likely to arrive into a car dealership with an exact car model and version and trim in mind, with specific accessories already chosen.

“We see this all the time in dealer showrooms and at shows and exhibitions. They will have done their homework on service plans and know exactly what they can stretch to in monthly finance payments.”

Average buyer

Toner says that once upon a time, the average new car buyer visited a showroom seven times but nowadays, they visited once and were well informed. “It’s now a matter of simply doing a deal which entails agreeing on a trade-in value and delivery date.”

That’s actually rather heartening to hear, that the car-buying public has awoken to the need to do their homework before setting out to buy.

There is one final issue, though, for PCPs to deal with. They are, in effect, a way of trying to ensure that you will come back and buy another car from the same dealer or manufacturer. The whole purpose of the bubble payment and the GMFV is to set up a situation where the easiest and simplest option is to roll over into a new car and a new plan.

All well and good, but it does seem a little like saving money in the short term by spending more over a longer period.

And there’s another sting in the tail. If you decide on the hand-the-car-back option, you don’t get to make anything out of the car’s equity. No matter how well you have kept it and maintained it, if you hand it back, the value above the bubble payment reverts to the dealer and you get nothing.

(Equally, the dealer or finance house has to choke down on a loss if there’s a negative equity situation but that’s a relative rarity.)

PCP is a clever financial solution to a lot of issues. It gives car buyers access at a preferential monthly repayment rate to a nice new car and gives a series of well-laid out options for what to do when the term ends, which is all good. But it’s not a free financial lunch and don’t go thinking it is.

PCP was created for one purpose – to help car makers sell you a car today and to more or less guarantee that in three years you’ll be back for another. Eyes open, please everyone – and read the fine print.


How does Bajaj Finance make money in spite of offering consumer loans on zero percent interest and no processing fee? #finance #training


#bajaj consumer finance

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Before even going to the answer, I would suggest better go through the fine prints. In most of the cases such loan do have some hidden charges.

Even if I assume the statement is true. there are many ways they can make money.

1. They can get commissions from the store selling the product or from the manufacturer of the product. Try comparing the price if you want to pay in cash Vs you go for finance option.

2. You miss any of the EMI payments, you pay somewhere between 24-36% interest + late payment fees

3. Even if you have settled the loan, you would be in their golden book for next personal loan (definitely not zero cost, zero processing fee)

Credit card is another bright example. If you clear your dues within the stipulated due date, you pay nothing extra – so you get upto 50-55 days of free credit. (most of the credit cards waive off annual fees)

The art is to use the debt for your benefit, not the reverse.

Akshay Kumar. Quantum Physchologist and marketing head

Lets put it in simple terms.

Here s a typical example of the 0 percent EMI scheme. So let s say, A gives B a loan of Rs 10, where B pays back Re 1 per month in 10 months. The impression created is that there is no interest rate charged. But if A is also charging a processing fee of Re 1? Then the actual money lent will be Rs 9. Inother words, Re 1 processing fee actually works as an interest, which works out to 23.56 percent per annum.

So yea read it again and give it a thought.


Places to Never Use a Debit or Credit Card to Make a Payment – Pg #yamaha #finance


#daily finance

#

Places to Never Use a Debit or Credit Card to Make a Payment

What to Use Instead of Your Bank or Credit Card

Re-loadable pre-paid cards and cash are two good options since they are not linked to any personal financial information. Using cash is the best way to avoid overspending, because it makes you more aware of the financial impact that the purchase has on your budget, said Bruce McClary, spokesperson for the National Foundation for Credit Counseling, a Washington, D.C.-based non-profit organization.

You should not use your debit card anywhere other than in an ATM machine, said Steve Weisman, a Boston lawyer and a lecturer of law, taxation and financial planning at Bentley University in Waltham, Mass. You are exposed to more liability when you are using a debit card. Although laws limit your debit card liability to $50 if you report the fraudulent use to the bank within two days,that changes as you wait longer. If you don’t notice the fraud and report it to your bank after three days, your liability jumps to $500, he said.

“Your bank account will be frozen while the bank investigates the matter, thereby limiting your own access to the account,” Weisman said.

If you don’t have cash or a pre-paid card handy, a credit card is still a good choice because it may take banks many days to refund fraudulent charges or withdrawals, said Sanders.

“If an attacker successfully drained your checking account through your debit card, you could be without cash for quite some time,” he said.

Since nearly all debit cards can be used as a credit card, consumers should always use the credit card feature, Parker said. When the card is used as a debit card with the PIN being entered, you are risk for having both the card and PIN compromised.

“This could allow cyber criminals to directly withdraw cash,” he said.

With major retailers and banks such as Target, Sony, AOL, eBay, JP Morgan Chase, Home Depot, Anthem. TJ Maxx and Apple being attacked by cyber criminals and having millions of data records leaked and exposed. consumers should be more concerned about large companies, said Dave Bennett, CTO of IONU, a data security company based in Longmont, Colo.

“Hackers are going to go after the big targets, not the small fry,” he said.

–Written by Ellen Chang for MainStreet


How does Bajaj Finance make money in spite of offering consumer loans on zero percent interest and no processing fee? #job #in #finance


#bajaj consumer finance

#

Before even going to the answer, I would suggest better go through the fine prints. In most of the cases such loan do have some hidden charges.

Even if I assume the statement is true. there are many ways they can make money.

1. They can get commissions from the store selling the product or from the manufacturer of the product. Try comparing the price if you want to pay in cash Vs you go for finance option.

2. You miss any of the EMI payments, you pay somewhere between 24-36% interest + late payment fees

3. Even if you have settled the loan, you would be in their golden book for next personal loan (definitely not zero cost, zero processing fee)

Credit card is another bright example. If you clear your dues within the stipulated due date, you pay nothing extra – so you get upto 50-55 days of free credit. (most of the credit cards waive off annual fees)

The art is to use the debt for your benefit, not the reverse.

Akshay Kumar. Quantum Physchologist and marketing head

Lets put it in simple terms.

Here s a typical example of the 0 percent EMI scheme. So let s say, A gives B a loan of Rs 10, where B pays back Re 1 per month in 10 months. The impression created is that there is no interest rate charged. But if A is also charging a processing fee of Re 1? Then the actual money lent will be Rs 9. Inother words, Re 1 processing fee actually works as an interest, which works out to 23.56 percent per annum.

So yea read it again and give it a thought.


8 Successful Online Entrepreneurs You Should Be Following #inspiration,online #business,entrepreneurs,success #stories,success #strategies,inspiring,how #to #make #money #online,how #to #start #an #online #business,how #to #become #an #entrepreneur,entrepreneurship #characteristics


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8 Successful Online Entrepreneurs You Should Be Following

There isn t a single entrepreneur out there that can t benefit from some extra inspiration and motivation. We can all learn something by following successful individuals. It sparks inspiration and learning from their real-life business experiences can help us all on our own entrepreneurial journeys.

I have put together a list of eight online entrepreneurs that I personally follow and have worked with — individuals that all entrepreneurs can learn something from, especially those interested in starting or growing an online business.

1. Jeff Taylor

As CEO of DEVISE. Jeff Taylor has extensive experience building profitable online businesses. What began as a web design and marketing firm eventually transformed into an entity that creates, markets, monetizes and then eventually sells websites. Taylor and his partner Evan Lisabeth have the ability to grow online businesses at an incredible rate.

I have first hand knowledge of his success, as my company brokered the sale of a seven-figure website Taylor s team created.

Taylor stresses the importance of taking action immediately, stating, I ve had thousands of ideas, but unless you put action behind them, nothing will come of the idea. There s no reason to wait for the perfect time to start a project. Start working on it today.

2. Tim Seidler

Tim Seidler is a husband and father of two children that used online entrepreneurship to completely turn his life around. He was once in a place that many individuals find themselves — utilities turned off and bills he couldn t pay. He did something that many don t have the courage to do — Seidler quit his job and put 100 percent of his time and effort into creating an online income, recently selling a portfolio of websites for six figures!

Through his website, Get Niche Quick. Seidler blogs about the highs and lows of his entrepreneurial journey. His transparent approach is beneficial, as entrepreneurs will see that there are good days and bad days in any business. Seidler shares his current and future projects and also openly discusses his income — sharing both his best monthly earnings as well as daily earnings. There definitely isn t a lack of inspiration and I highly recommend following Seidler s online business journey.

3. Dom Wells

Affiliate marketing is a huge business, but the truth is that many entrepreneurs quit because they get discouraged when they don t see instant results. It takes time and a well thought out strategy to make sizeable earnings through affiliate marketing. Dom Wells. a highly successful online marketer, offers guidance to entrepreneurs that want to learn how to make money online.

His website, Human Proof Designs. offers training through its blog to those who want to learn how to start a niche website the correct way — everything from niche research to monetization is covered. Wells doesn t just talk the talk. He walks the walk, constantly creating new niche sites to add to his portfolio and turning his experiences into case studies for his readers.

4. Steve Rendell

Steve Rendell is the man behind Texfly. an online resource for entrepreneurs who are interested in creating profitable niche websites and ranking them high in search results using the power of private blog networks. Rendell s website stands out because he isn t afraid to talk about what really works.

Several SEO professionals will dance around the topic of private blog networks, instead just saying that quality content should be the main focus. Well, private blog networks rank websites and many of the elite SEOs use the same methods — they just don t openly discuss it. The blog and private blog network blueprint that Rendell makes accessible on Texfly are well worth the read and something anyone with an online presence will benefit from greatly.

5. Stuart Walker

An entrepreneur that specializes in online niche marketing, Stuart Walker shares his insight and knowledge on his website, Niche Hacks. Walker is an under-30 entrepreneur that travels the world and makes money from a wide variety of online assets. He is living the dream many aspire to reach through online businesses.

Since so many people fizzle out and give up before reaching their potential, Walker decided to start a blog that focuses on niche research and the shortcuts he personally uses to create a sizeable full-time income while living location-independent. His best information is free and something that all online entrepreneurs can find value in — and his blog posts about growing traffic and promoting content is something that every business owner will learn from.

6. Tung Tran

To be successful online you have to have a strong understanding of how to rank organically in the search results. This is beneficial to entrepreneurs that want to start their own online-based businesses as well as those that want to rank their brick-and-mortar business websites. Tung Tran is an online entrepreneur that documents his success and strategy on Cloud Living .

Tran discusses how to start an online business and how to drive traffic using several strategies. I hear so many people talk about how they would love to earn a living through an online business but they aren t sure where to start. It s entrepreneurs like Tran that provide the inspiration and hand-holding that helps numerous people become successful online business owners.

7. Alistair Gill

With an online presence being such a crucial part of every business s marketing and promotional strategy you can never learn enough about content management systems, search engine optimization and web analytics and metrics. I follow Alistair Gill to stay current with SEO trends and because I enjoy his in-depth analytical posts on his personal blog .

Gill s blog posts are packed of useful information and he likes to put together pieces of content that feature several months of data and research. I really like reading case studies and guides with data — these are the types of blog posts that you can read and take the findings and apply them to your own business.

8. Melanie Duncan

Melanie Duncan is a true inspiration to entrepreneurs around the world. She cites the following as a problem many of us have: If you don t learn how to effectively work on your business, instead of in your business, you will never be able to strategically grow and you ll sacrifice the quality of life you deserve.

For those of you still grinding out 80 hours a week, that quote will resonate deeply with you.

Follow Duncan closely and you ll learn all about growing your online business. With a weekly newsletter and regular blog posts, there is just the right amount of content to properly digest and apply before moving onto the next!

While these are my suggested online entrepreneurs to follow, there are certainly a lot more. Do you have any to add to this list? I would love to hear your suggestions in the comments section below.

Thomas Smale

Thomas Smale co-founded FE International in 2010, growing the business with zero funds from scratch to a seven-figure-a-year business. Specializing in advising and brokering the sale of established websites and online businesses, FE In.


Student finance: make sure you apply before the deadline #fair #city #finance


#student finance uk

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Student finance: make sure you apply before the deadline

5 May 2016 • 4:34pm

O ver 610,000 students across England and Wales have already applied for their student finance this year. But with the deadlines fast approaching, students should get their university funding applications in to ensure their money is paid at the start of term.

Whether you are a new student or a late applicant hoping to secure a university place through Clearing – or if you will be returning to university in the autumn – now is the time to turn your attention to your finances.

W e expect to process around 1.7 million finance applications for students in England and Wales this year and expect to see a surge in applications in the weeks leading up to the deadlines.

The deadline dates for student finance vary depending on what country you are studying in, and with the dates falling in May and June our advice is to apply online for your financial support as early as possible.

The Student Loans Company now handles finance applications for students in England and Wales. Applications can take at least six weeks to process. Those who apply after the deadline period will have their application processed as quickly as possible.

Here are our top tips to ensure your funding is paid into your bank account at the start of term:

  1. Don’t delay – apply online now. You do not need a confirmed university place to apply for funding you can use your preferred choice of course and update it online later, if needed. This includes students who are planning to apply through Clearing.
  2. Gather your evidence – When completing your online application make sure you have all the necessary information to hand, such as your passport number, course details and national insurance number. If you’re applying for funding based on household income, you and your sponsor (normally parent of partner) must provide the correct financial and personal information. Your funding can be removed if you provide incorrect details.
  3. Bank details – You will also need the bank account number or sort code numbers to hand when you fill out your application. Make sure your bank details are entered correctly and that you provide the account number rather than the long number on the front of your bank card. If your bank details need to be updated, this should be completed at least five working days before payments are made, otherwise you may not receive your funds to the correct account.
  4. Sending details – Send any evidence requested ASAP to ensure you don’t hold up your application and remember to sign and return your online declaration form – it’s faster to print off your online declaration form from your own account.
  5. Remember your details – Keep a note of the email address you use when applying for student finance and the customer reference number you are given and make sure you choose a password you remember. One of the most common calls to the Student Loans Company are from students who have forgotten their passwords.

Deadline dates: New students in England should apply by 27 May and continuing students should submit their applications by 24 June at gov.uk/studentfinance. New students in Wales should apply by 13 May. Continuing students should apply by 10 June studentfinancewales.co.uk .

For new students in Scotland, the deadline date for applications to SAAS to guarantee that funds are in place for the beginning of the academic year is 30 June. Students in Northern Ireland are advised that they can apply for finance up to nine months after the start of their academic year. This is applicable for students across the UK, but you are advised to apply by the set deadline dates, as outlined by the relevant authority, to ensure funding is ready at the start of term.

Repayment: While you do not usually have to pay back any grants or bursaries you receive from the university, you must pay back tuition fee loans and maintenance loans which attract interest.

Repayments are due once you have left university or college and the amount that is paid is dependent on how much you earn – currently you do not begin to repay the loan until you earn £21,000 or more before tax. Find out more from studentloanrepayment.co.uk .

It’s worth remembering that maintenance grants will no longer be available for students starting university in September 2016. You’ll be offered additional help as a loan.

Security : And finally, students are also reminded to be vigilant with their personal details on social media and public forums and should be wary of any communications requesting personal or account information.

Derek Ross, director of operations and customer service at the Student Loans Company


Lemon Ginger Detox Drink #how #to #make #ginger #lemonade


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Lemon Ginger Detox Drink

Yes, you can drink it throughout the day at any temp.

Ashley April 24, 2014

Just a suggestion/modification to make this a little more user-friendly or to make big batches (or for those of us who may not want the actual pieces of ginger floating in the water it s a texture thing) you can always do an infused water. It may not give 100 percent of the benefits that this does, though I would imagine it would have to be close and if nothing else it makes your water yummier so you re more inclined to drink it. You can simply slice your lemon and your ginger then either tie them in a piece of mesh or cheesecloth and drop them into the water or get an infuser pitcher (I got a plastic one at Target last summer for about $7).

This works great for all kinds of flavors, too. One of my favorites that I kept my fridge stocked with last summer was Orange-Strawberry-Mint. Yummy!

Jane January 22, 2017

It would be better not to use plastic, think of the free radicals in plastic especially cheap plastic, best to use glass where you can, I m not sure about metal, though.

Jill H-W April 26, 2014

I discovered this recipe (in a magazine) last summer. I made it in a large mason jar and took it to picnics, where I wanted something to drink but didn t want to drink soda or alcohol. (I kept it cold, rather than at room temperature.) I found it to be a nice alternative on a hot day. You can filter out the solids, although I like eating the ginger! BTW consider adding some of the lemon zest.

SkinnyMs April 28, 2014

Thanks Jill. Those are good ideas, especially now that the weather is getting warmer:)

Kristen April 30, 2014

I came across this recipe today. I started on Monday just drinking iced lemon water. With fresh squeezed lemon slices. I haven t done any excising this week to go along with this. I have noticed that my stomach is slimming down. I have no ginger root here as I would love to try this recipe out. The only thing close to ginger that I have here is Ginger Powder used for baking. I do plan on adding exercising in with what I have been doing. I feel better and I have noticed I have been sleeping better at night as well. I have been drinking 1 24oz. a day sometimes two glasses.

SkinnyMs May 1, 2014

If you heat the water with the ginger powder and pour it over ice you can use it. That s great that about the lemon water.