5 Tips For Understanding Your College Credit Card Offer}

Posted by: AiRc8Vhp  :  Category: Financial Services

Submitted by: Morgan Hamilton

Getting your first credit card has become a rite of passage in this modern age. Despite the excitement that surrounds the event, it is not something to be taken lightly. A credit card in the wrong hands can be dangerous. That’s why it is important to study and compare terms of the college credit card offer before deciding to open an account. Throughout this article, we will discuss five valuable tips for understanding your college credit card offer before you sign on the dotted line.

Know The Terms

Read all of the terms, including the interest rate, fees, and cash advance policies. If there is something you want more information on, ask your parents or another knowledgeable person. You should be sure you understand what you are agreeing to before accepting any college credit card offer.

Know The Benefits

If you are applying for a card with incentives or a reward program, make sure you know exactly what you are getting. If you are earning points, check out how many you need before you qualify for the reward. If it’s a rebate incentive, find out what percentage of your purchases apply for the incentive.

Know Yourself

Be honest with yourself before agreeing to a college credit card offer. Are you good with money? Are you responsible enough to pay your bills on time? Will your current job pay enough to afford the card? Better admit that you’re not ready for the responsibility before you get into trouble than end up like so many other college students, graduating from school already in debt.

Beware Of The Free Gifts/Promotions

Many credit card companies will try to lure you into accepting less than favorable terms by offering free gifts, fancy card designs or other promotional items. Some of these promotions center around school loyalty such as engraving your college name or logo on the card or offering to donate a certain amount of your purchases to the university. Don’t fall blindly for these ploys. Read all the terms of the cards and base your decision on fact, not school spirit.

Never Get More Than One

This is the most important tip of all. You do not need more than one credit card to get through college. And that card really should only be used for emergencies.

By following these five tips, you will be able to get the best college credit card offer available and not worry about ending up in uncontrollable debt.

About the Author: Morgan Hamilton is an experienced Financial Adviser who has written a number of informative articles on the topic of College Credit Card. Visit


to learn more about Student Credit Cards



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The Dangers Of Not Taking Out Your Wisdom Teeth

Posted by: AiRc8Vhp  :  Category: Financial Services

By Anthony Kouma

Even though the removal of the wisdom teeth is not something that people often times look forward to, it is something that should be done. Not only is this something that is beneficial to you, it is something that could be dangerous for you if it is not done and done within a certain amount of time in certain cases. There are some cases where people do not have their wisdom teeth removed and they are fine but there are other times where a lot of problems occur.

Some find that they cannot reach their wisdom teeth well enough to clean them. In such cases, there is a high risk of having plaque build up. This means that there could be decay of teeth in your future and that is not something that is good for your health. It is much easier and pleasant to opt to have your wisdom teeth removed while they are still in tact instead of waiting until they are decaying to the point of falling apart. When this happens, the dentist will have to cut your wisdom teeth out. The harder it is to get the wisdom teeth out, the more the dentist will have to cut, which means you are more at risk for an infection.

Because decay, you might be looking at having a cavity. And since a lot of people would rather keep a cavity then get it taken care of, there could be infections that get into your bloodstream and cause you to be at risk for losing your life. This is why it is so important to just go ahead and have your wisdom teeth removed.

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It is better to be safe then sorry since you will eventually need to have them removed in most cases anyway. If you are head strong about keeping the wisdom teeth in unless you really have to have them removed, make sure that you are at least consulting with a dentist to make sure that they are in good shape. If the dentist feels as though the wisdom teeth have to come out, make sure that you are following the advice.

If you are concerned about money, waiting to have your wisdom teeth removed for when it is absolutely needed, you could actually be setting yourself up for financial trouble later down the road. When the time comes, you may not be financially prepared, as you never know what your job or financial future holds for you. It is better to get the situation taken car of now instead of later so that you can avoid all problems.

Once you have the wisdom teeth removed, it is a good idea to make sure that you are taking all of the right steps to make sure that your recovery goes well. Taking antibiotics is generally the first step in the healing process. This will help to make sure that you do not end up with any terrible infections from the removal process. Also, make sure that you are following all of the doctor’s orders in order to make sure that everything heals the way it is supposed to.

About the Author:

General Dentisty and Cosmetic Dentists in Perth

. You can find

specialist help here




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Financial Sales Vs Financial Planning What You Need To Know}

Posted by: AiRc8Vhp  :  Category: Financial Services

Financial Sales Vs Financial Planning – What You Need To Know


Ray Prince

One of the challenges we face as Fee Based Planners and Wealth Managers is how do doctors and dentists get to know about Graeme and Ray and the job we do?

After all, we know (and our existing clients tell us), that we are providing our clients with exactly the kind of service they want, and they love the way we work for them and not the product provider.

But of course how would a dentist in Yorkshire or a doctor in Surrey get to know this? One method that has seen success is that we are prominent in the major search engines (especially google). So, for example, if you search for ‘financial advice for dentists/doctors’ (without quotes) you should see us up there towards the top.

And this is where the story starts. One of the calls received in December was from a dentist in the Durham area. I referred to this client in an earlier newsletter, but the essence was this.

An Independent Financial Adviser, well known as someone who targets the dental market, had visited the caller – let’s call him John – and had asked him a few questions, and John had told him what he thought were his priorities, and the adviser had made some notes.

Apparently, after about an hour, the adviser said “OK. What I recommend is that you invest £2,500 per month into a personal pension plan”. John was already paying almost £500 per month into a couple of personal pension plans on top of his considerable NHS Pension, and so he asked if that meant it would be £2,000 in addition to these.

You may have guessed the answer…

“Oh no, it will be a new plan for £2,500 and we will stop the others, and I have the paperwork here”. John looked at his wife (let’s call her Jan), and said he would think about it. So that’s how it was left when I received John’s call.

He expressed his concerns at the indecent haste in coming to a big decision like this, and when he had turned to the back page of his pension plan quotation, he was staggered to see that this adviser would be PAID £19.500, YES £19,500 for this sale! John was not comfortable with this at all, and had the distinct impression that the adviser was more interested in the sale than him.

We suggested that, as John had read about what we do on our website, he could come in to our office with his wife, and I would demonstrate how we could help them. Like all our new clients, they were given some homework to do before our meeting, and they emailed me these before we met.

This information includes “what do you need to achieve in life and when” and “what progress have you made so far”, based on the value of the practice/investments/Income etc.

After all, what could be more important than that?

John had very clear goals, and when we met it became increasingly obvious to him how different we worked (compared with the other adviser), and to his delight he felt that he had found someone he could work with.

Keeping it simple here – John and his wife, who is 9 years older, wanted to buy a cottage in the North West where they loved to holiday, and for John to slow down at age 50, as Jan would be retiring.

The question of course is “do we have enough wealth to be able to do this, or will we run out of money before we die?”. Time and time again, the vital aspect of any planning had been missing from John and Jan’s life – MEASUREMENT.

Having demonstrated the cash flow forecasts we use to help clients with this all important context, John and Jan now understood why we recommend this approach. If you don’t know where you are, and you don’t know where you are going, how do you know when you get there?

So we all shook hands, and I told them that we would meet again at their Strategy Meeting after two or three months.

Our strategy meeting was a week ago, and this was the result after studying their cash flow forecasts, and devising a strategy:

– Pension – stop all pension planning apart from the NHS. This saves £500 per month gross.

– Offset Mortgage – create an extra borrowing facility of £200,000 to buy a cottage now as a cash buyer. Increase payments to ensure all debt paid off by age 50.

– Look to raise more finance from the practice – accountant to comment on this, as a lower rate here than residential debt after tax relief. Potential savings of £25,000 over 15 years.

– Equity ISAs – use the spare income to invest monthly for the long term to create an accessible tax efficient ‘retirement pot’.

– Wills – checked and various comments made by specialist solicitor.

– Lasting Power of Attorney – solicitor to action to ensure if one person incapacitated the other could take over their affairs.

– Life cover – overall level checked as ok, but for the same cost they could have individual cover instead of joint cover.

– Fill in NHS death in service form DB1 – this to earmark Jan as the Beneficiary.

– Income Protection – we changed one plan John had that was not occupation specific to a company that did protect him as a dentist.

– Inheritance Tax – existing pension fund had spouse as beneficiary. As we knew that Jan would not need this money, the children were nominated as the beneficiaries. Potential IHT saving here circa £25,000.

– Existing Pension Fund – this was transferred to a risk assessed portfolio, as it was way out of line with their risk tolerance levels.

– Annual Review – this to ensure they are kept on track, and to take into account any changes in their life.

The result? Very happy clients who now know exactly where they are, and exactly where they are going. The spare income they have is now concentrated in exactly the right areas.

The total cost, including investment implementation came to £4,750. This compared to the salesman’s £19,500 for one pension plan, no strategy, no measurement, and ignored or more likely missed the other issues that needed dealing with.

Chalk and cheese!

Key Considerations:Be aware that the vast majority of advisers are, in our experience, paid only when they advise you to take out a policy. Since this is the case, the old saying of ‘if you only have a hammer, everything looks like a nail’ comes to mind.

They also do a totally different job. It’s like comparing a Senior House Officer to a Senior Surgeon.

Action Point

If you have an existing adviser, or are looking for one you can trust; be very clear about what type of person you want to deal with.

Would you want to use a dentist who does not bother to say “open wide please” but proceeds to recommend treatment?

If you want to have a diagnosis before prescription, find a Fee Based Planner who works for you, and you will be assured that they will do a holistic planning job to optimise your financial affairs.

One tip – the next time you speak to your/an adviser, ask what type of cash flow forecast system they use. If there is a long pause – you will know!

Ray Prince is an Independent Financial Planner with Rutherford Wilkinson plc, and helps UK Resident Doctors and Dentists get the best deals on mortgages, protection and investments, as well as helping them achieve their financial objectives. Click here for

Financial Advice for UK Doctors and Dentists

and to get your free retirement guide, How To Avoid The 7 Most Common Retirement Planning Mistakes. Rutherford Wilkinson plc is authorised and regulated by the Financial Services Authority.

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Financial Sales Vs Financial Planning – What You Need To Know