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Tune into the 2008 Presidential Debates:

September 26, 2008-
First Presidential Debate,
9 pm Eastern

October 2, 2008-
Vice Presidential Debate,
9 pm Eastern

October 7, 2008-
Second Presidential Debate,
9 pm Eastern

October 15, 2008-
Third Presidential Debate,
9 pm Eastern

More information about the debates can be found in our News section.

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What is a bad credit history?


Bad credit
history, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history, and bad credit history, is a negative credit rating. A negative credit rating is often considered undesirable to lenders and other extenders of credit for the purposes of loaning money or capital.

Source: Wikipedia

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Links:
en.wikipedia.org/wiki/Adverse_credit_history
ivillage.co.uk/newspol/camp/debt/articles/
rabbit.eng.miami.edu/students/gmwproject/…/Bad-Credit-History.html
www.ehow.com/how_4757_repair-credit-history.html

Hope this helps!

Here is the definition of a Recession:

A recession is a significant decline in economic activity spread across the economy, lasting more than a few months, normally visible in real GDP, real income, employment, industrial production, and wholesale-retail sales. A recession begins just after the economy reaches a peak of activity and ends as the economy reaches its trough. Between trough and peak, the economy is in an expansion. Expansion is the normal state of the economy; most recessions are brief and they have been rare in recent decades.

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Links:
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Here is the definition of a Foreclosure:

Foreclosure is the legal process in which a bank or other secured creditor sells or repossesses a parcel of real property (immovable property) after the owner has failed to comply with an agreement between the lender and borrower called a “mortgage” or “deed of trust”. Commonly, the violation of the mortgage is a default in payment of a promissory note, secured by a lien on the property. When the Foreclosure process is complete, the lender can sell the property and keep the proceeds to pay off its mortgage and any legal costs, and it is typically said that “the lender has foreclosed its mortgage or lien”.

Source:Wikipedia

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Students,

If you are going to start college, you are going to need a bank account to receive your parents’ money, financial aid and much more. Here are a few tips to help you open a bank account:

1) Find a bank near your school or pad. No need in opening a student bank account in a distant bank branch.

2) At the bank, ask to open a student bank account. If they say that they don’t offer a student bank account, walk out. There are plenty of other banks that do.

3) You should get a student bank account that gives you all the bank services for FREE. It is very important that you get everything FREE. FREE checking account, FREE ATM card, FREE online account, FREE online bill payment, no minimums.

Read the rest of this entry »

As a student, you will have to deal with a lot of nonsense coming from all sides: your roommate, your landlord, your cable company. At some point, somebody will likely owe you money and not want to give it back to you. So this is where the Small claims court comes in.

What is the Small claims court?

Small claims court is a special court where disputes are resovled informally. There are no lawyers; just you, the defendant and the judge. As an individual, you may not sue for more than $7,500 in Small Claims Court. If you want to sue for more, you have to go to the superior court.

How do I sue someone in Small claims Court?

1) Go to the courthouse of the geographic area of where the defendant lives or where the incident about which you are suing occurred. Locate the small claims filing window where you can get the forms and information necessary to file. The clerk may be able to assist you if you have questions.

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“What is your social security number?”
You must have heard this question a lot coming here as an International Student. You almost need it any time you are applying for something.

Opening a bank account? They’ll ask your Social Security.

Getting a Driver’s License? They’ll ask your Social Security.

Getting a cell phone plan? They’ll ask your Social Security.

Applying for a job? They’ll DEFINETELY ask your Social Security.

So what is a Social Security number and how do you get one?

A Social Security number is intended to accurately record your earnings in the United States. But in reality, it has multiple uses such as determining your credit worthiness to a loan provider, getting great car loan rates and of course, getting a job.

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