Posts Tagged "guest blog"

Tips for Successfully Managing Student Loans | Guest Contributor Zyana Morris

Dear Kid,

Paying for college is even more painful when you, the lucky student, have the great joy of footing some or all of the bill.  DearKidLoveMom.comAs you may be aware, college is expensive. Not expensive like “Oh, look! The price of gas at this station is 5 cents more than across the street!” No, expensive as in “WHAT!!!??!!” Turns out, it’s even more expensive when you, the lucky student, have the great joy of footing some or all of the bill. Scholarships are dandy things, but they are often insufficient (if they even bother to show up).

Which means finding money.

Earning it is generally the best option, but as the average annual college cost is “WHAT??!!” and the average earning ability of students is generally about enough to buy lunch one day a week, student loans often become an important way to cover the cost of an education.

Today’s guest blogger, Zyana Morris, shares some great advice for dealing with student debt….

Tips for Successfully Managing Student Loans | Guest Contributor Zyana Morris

The best approach to oversee debt is well, to be free of any type of debt, but we all know how that is easier said than done since the economic situation is a wee bit unfriendly. In any case, paying for your university education, or getting money or student loans to take care of the cost of education, is something unavoidable for many.

In order to pay back your student loan successfully, there are several things you ought to do. If you want to be away from the recovery demons, you should plan a payback route even before you sign the principal promissory note. While we are all aware that such should be the case, most students don’t worry about paying back student loans until after they have graduated.

Here are some tips to help you make arrangements to manage your student loans successfully to guarantee repayment success.

You Do the Leg Work
All loans are not equal. A few loans offer payback incentives while you are at school; this reward can often be extended to even after you have graduated. Some loans do not provide any such benefits and repayments are expected soon after you have graduated school. For instance, the Federal Family Education Loan Program (FFELP) loan charges a 3% advance start expense, adding pressure to the already overburdened student. The student thus has to save more to bear the burden of not only interest but also the necessities such as books, school supplies, and everyday costs.

Read Your Mail
Ordinarily, student borrowers get a considerable amount of information regarding their student loans. You’ll probably get mail at the beginning, throughout the loan term, and after graduation from school. While it may seem like junk to you, it is very important that you sift through each piece as it could contain crucial information regarding your student loan. In the event that you do not understand something within the documents, you can call up your lender and have the issue resolved in a timely manner. It is important that you do not disregard the mail or you may pass up a major opportunity for a basic due date or essential data you have to follow up on concerning the loans. Lenders often mail regarding incentives, benefits, offers, and repayment plans.

Organize that Mountain of Paperwork

Save the greater part of your student loan research material and correspondences. That way, you are going to know exactly what you consented to, what is expected from you at the time of repayment, and how much debt you have acquired. It is intriguing how marking the promissory note for your loan is so motivating while repaying the same loan is the exact opposite. Four years of school go by faster than you think, and before you know it you are graduating and the student debt repayment is glaring you in the face.

Being able to put your fingertips on all your printed loan material will help a lot in the student loan frenzy. To make things simple for you, start by setting up a decent, simple to use, record-keeping framework in which you can keep your student loan research material and correspondence. The book shops and libraries have books and programming items on personal finance and budgeting that will offer you some assistance. Regardless of what filing system you pick, whether archive organizers, fasteners, portfolios, or envelopes, make one document for every loan or record you have, and keep your things organized properly. Also, while sorting out your record keeping framework, ensure that it is protected. The record-keeping framework ought to be kept protected from burglars and fires. Various experts likewise prescribe that you have to keep your student debt records and correspondences until they are all completely paid off.

Here is a list of things that you should keep with you until you’ve paid off all your student loans.

  • Essential research material like your student loan applications, promissory notes, dispensing and exposure articulations, and advance exchange takes note.
  • Copies of all correspondences concerning your understudy advance organization and/or adjusting organization, for example, your school’s money related guide office.
  • Contact and telephone number of the credit supplier.

Zyana Morris is a passionate blogger who loves to write on trending Life Style topics. She is a featured author at various authoritative blogs. You can follow her on Facebook and Twitter.

Thanks for the great advice, Zyana.

Love, Mom

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#ActiveGirls: How a Twitter Trend is Helping Young Girls Everywhere | Guest Blog

Dear Kid,

As you probably know, I love when people do things that are unexpected. And I love when people do things Society expects them not to do.

Like being the only girl on the Varsity football team.

It took me a long time not judge myself though someone else's eyes. Sally Field DearKidLoveMom.comSo I was quite excited when Jennifer Birch suggested writing a guest blog on using Twitter (yes, I love Twitter too!) to help empower girls. And without further ado, here are Jennifer’s thoughts.

How can a tweet empower young females?

Social media has become an extension of our personal lives.

Although deemed to be detrimental to children and to teens, it has its share of benefits to them, especially to young females.

Based on data by BeeVolve, Twitter users aged 15-25 have the largest share of usage on Twitter (73.7%). In a separate set of data by the research company, it showed that Twitter users are mostly females (53%).

Since young women highly dominate this platform, why not use it to empower the young ladies of today? We want to show you just how powerful Twitter can be in bringing out the #ActiveGirls in this demographic.

With varied topics to choose from, you can join any discussion by sharing your opinions online via your personal accounts and using a relevant hashtag (#). However, it’s best to avoid being rude online as it can lead to cyberbullying. Consider providing non-biased insights with supporting facts and figures.

If joining online discussions doesn’t interest you, then maybe you can show your value by inspiring other young ladies by sharing your adventures in life, such as your last trip, your latest projects, or anything that presents and empowers you.

One of the positive effects of Twitter is casting stereotypes of the past aside. Through Twitter, women are able to showcase their talents and skills freely and whilst being supported by other women online, who also share the same passion.

Many advocates are now extending their assistance to diminish the never-ending gender-biases of our society. An example is Kate Pietrasik in the United Kingdom, and her advocacy to spread neutral parenting through unisex clothing. Personally maintaining the Twitter account of her clothing line Tootsa MacGinty (@TootsaMacGinty), she shares her point about destroying gender stereotypes not only in clothing but in our decisions in life. In one of her posts, she retweeted @FeministPics that shows a 1967 clipping of The New York Times with a quote “I think it’s time to change the rules. The rules are archaic. Women can run.”

Among the most prevalent hashtags on the platform that empowers young ladies is #TechieGirl. By using the platform’s search box, you can view everyone who has used this hashtag while sharing their own #TechieGirl experiences. Previously dominated by men, the STEM (Science, Technology, Engineering, and Math) industry has seen many changes recently as more women are now freely able to present their interest on the matter. An inspirational figure in this sector is Joanne Bryant (@joannebryantsf), an insurance business owner in California who admits to being “socially & technology savvy.” Her tweet on January 8, 2015 shows a picture of her while spending her 40th birthday at the CES 2015, which she calls the “happiest place on earth.”

So, if you are still feeling unsure on how to empower yourself, then start searching on Twitter. You will be able to find that there’s more you can do to show the world that you’re a #TrueActiveGirl.

Jennifer Birch guest blog. DearKidLoveMom.comAbout the Author

Jennifer Birch is an inspiration to her thousands of followers on Facebook and Twitter (even on her blog). Following various personalities online, she loves to share her thoughts about empowering young ladies to show their special skills and knowledge. Jenni retweets many of the posts of the most influential women on Twitter such as Padmasree Warrior of Cisco and Kate Pietrsik of Tootsa MacGinty She remains to inspire #ActiveGirls around the world to be free, active, and fun-loving.

Thanks Jennifer!

Have a great day, kid. Look for ways to inspire people.

Love, Mom

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