19 Tips to a Healthier, New You

Below is a condensed list of tips that can help you lose weight and stay healthy. If you wish to view the complete article, please click on this link:

Yahoo Article: 25 Ways to Cut 500 Calories a Day

1. Fidget as often as you can
2. Say NO to nuts
3. Eat in the dinner table and trade an hour of TV time for brisk walking
4. Avoid too much salad toppings
5. Use a smaller plate
6. Skip the whipped cream
7. Say YES to smaller servings of chips/snacks
8. Fill your plate to avoid second or third helpings
9. Limit your pasta intake to at most 2 cups
10. Dine with fewer guests
11. Satisfy your cravings for sweets by having smaller servings of desserts
12. Say Bye-bye to smoothies
13. Order steamed or poached food to lessen your oil intake
14. Sleep long
15. Quench your thirst with water, not soda
16. Have a satisfying breakfast by eating two boiled/poached eggs
17. Say NO to buttered/caramelized movie pop corn
18. Listen to what your body and tummy are saying to you
19. Choose sugar-free drinks

Amazing Features of Student Car Loans

Below we have discussed four beneficial features normally found in car financing deals offered to college students.

• No credit checks. Most lenders nowadays recognize the fact that very few students have credit history. And this is the reason why they don't normally run credit checks on their would-be borrowers. Instead, they use proven methodologies that will help compensate for the huge risk involved in extending lines of credit to first-time credit applicants. This means that you don't have to worry about not having a credit profile to present to a prospective lender. After all, you can be granted the credit account you need, even if you don't have credit history.
• Guaranteed approval. Credit firms that provide student car loans can guarantee immediate approval of credit applications. After all, they do not need to go through the rigorous process of checking the creditworthiness of their prospective borrowers. Instead, they can immediately process and decide whether or not they would grant the application of a student for a financing deal.
• Deferred payment options. Deferred payment arrangements are special features imposed on car loans which enable consumers to enjoy driving their newly-bought vehicles, for the first six months or so, without worrying about their credit installments.
• Rewards and incentives. Most car financing deals today also come with amazing perks and freebies. For example, you can sign up for a car loan and expect to receive any of the following incentives: gift items, discount cards for repair and maintenance services, free car insurance, and even cash rebates.

Warnings for Student Car Loan Applicants

Here are some things you need to think about before you apply for a student car loan:

• Stay away from car loans that offer suspiciously good features. After all, car dealers and credit firms that offer financing deals with too-good-to-be-true-features are often managed by scam artists.
• To protect your credit identity, you should resolve to disclose your personal information only in secure websites and web pages. Before filling out and submitting an online application form, make sure that the site you are viewing has any of the following security indicators: (a) the code “https” in the URL box; (b) a padlock icon beside the URL box; or (c) the VeriSign logo, typically located at the left-most part of the web page.
• Do business only with credible car manufacturers and credit organizations. Before you sign up for a credit program, make sure that you have conducted your investigation regarding the accreditation of the firm with the federal and state government, the history or background of the company, and most importantly, the way the credit agency deals with its past and current clients.

Two Disadvantages of Taking out Student Car Loans

Let us discuss two drawbacks associated with applying for student car loans.

• Risk of dealing with loan sharks. First-time car buyers run the risk of taking out student car loans from loans sharks who might take advantage of their inexperience and naivete. To succeed in their ultimate goal of ripping off credit consumers, loan sharks normally employ the following tactics:
  (a) charging exorbitant interest rates, fees and charges (b) pressuring and, to some extent, harrassing students to sign up for credit programs, even without fully-understanding the rates and terms imposed on their car loans; and (c) stealing the identities of credit consumers, for their personal gain. To protect yourself from such schemes, we suggest that you deal only with credible and legitimate credit organizations.
• An additional financial obligation. Adding a new financial obligation can make it harder for you to manage your personal expenses, especially if you will sign up for a car loan without examining first your financial capability. To avoid such disadvantage, we encourage college students, like you to carefully examine their income and expenses very carefully so that they can determine whether or not they can afford to take out credit accounts to purchase their own vehicles.

Benefits of Applying for Student Car Loans

Today, let us discuss three advantages usually associated with applying for student car loans.

• No credit checks. Generally speaking, college students do not have credit history that can be used for gauging their creditworthiness. And so, credit organizations today decide not to run credit checks on students who wish to apply for car loans. This means that the absence of a credit profile will not compromise your chances of being granted the credit program you need.
• Chance to build your credit profile. Taking out a car loan can help establish your credibility as a borrower. And if you will resolve to manage your credit account responsibly, you can succeed in building a good credit history which will in turn serve as your stepping stone towards excellent credit opportunities.
• Opportunity to generate significant savings. Taking out a student car loan can help you save a great deal of money, thanks to the discounts and incentive programs offered by car dealers and manufacturers to first-time car buyers, such as yourself.

Things to Avoid When Applying for Car Loans

Here are three things you need to avoid when shopping for a credit program that you can use to purchase your dream car:

Stay away from too-good-to-be-true credit offers. Although it is possible to find affordable credit programs, you need to shy away from credit programs that have too good to be true features. After all, these enticing offers may just be a front for the schemes and machinations of scam artists.

Avoid loan sharks. Before signing up for a car loan, make sure that you conduct your own investigation regarding the prevalent terms and rates in the credit programs given to consumers, like you. Then compare them with the rate of interest, down-payment requirement, and other terms and conditions in the credit account you wish to obtain. In so doing, you can check if your chosen lender is imposing exorbitant charges on your car loan. After all, this will surely protect you from dealing with loan sharks who may take advantage of your inexperience and naivete.

Say NO to pesky fees and charges. Never think of pesky fees as a means for lenders to compensate for the risk involved in extending you a credit program. Instead, you need to remember that you can buy the vehicle you want, even without settling for a car loan that imposes a lot of fees and pesky charges.

Important Reminders for Car Loan Applicants

Below are three reminders for credit consumers applying for car loans:

• Shop and compare the features of various car loans. After all, this will serve as your key towards finding a credit account that will be most suitable to your needs, preferences and financial capability.
• Read the fine print of your credit program very carefully. This way, you can completely understand what you are getting yourself into before you enter a deal with your chosen lender.
• Manage your car loan responsibly by paying your monthly installments prudently and completely. In so doing, you can prevent your credit balance from ballooning out and, at the same time, you can succeed in building an excellent credit reputation.