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You need some more money for college expenses this semester. Do you whip out a credit card to pay for your books Nate Davis Youth Jersey , or do you apply for a federal or private loan? Well, consider the options ?

-With a federal loan, your interest rate will be low (around 5%) and your payments will be deferred until 6-9 months after graduation.

-With a private loan, the interest rate will be slightly higher than with a federal loan but will still be lower than average. In addition, you will only need to make interest payments until after graduation.

-With a credit card, on the other hand A.J. Brown Youth Jersey , the interest rate can be as high as 21%. Interest begins accruing almost immediately, and you need to begin paying off the bill the next month.

This is not to say that credit cards do not have a place in your college life. It is good to have one national card (Visa, MasterCard, Discover) on hand to help you build a positive credit history and to provide security in emergencies. When you decide to apply for a card, compare annual fees, interest rates Jeffery Simmons Youth Jersey , and introductory offers. And to keep yourself out of debt, try to-

-Pay your balance each month to avoid interest charges

-Pay your bill on time to avoid late charges

-Avoid cash advances, which come with large finance charges and interest that begins accruing immediately.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more on how Student loans are better than credit cards at .

My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that Jurrell Casey Youth Jersey , I am just a pretty average girl from SD.


With the spawn of Facebook, MySpace, and other social networks, people are finding opportunities to connect to one another. Like in person, people are often interested in befriending attractive-looking people. In the light of that, studies have shown that those who are more attractive tend to make friends easier. However Kevin Byard Youth Jersey , in the virtual world, the best indication of your appearance is dictated by the pictures you post up of yourself. Even if it is not an entirely honest appearance for some people, it is possible to get a hot picture of them. Here are some tips.


The first tip is to plan. Decide on a theme that you would feel comfortable posing with. If you have no clue on what themes or poses you might want, browse through magazines instead, especially fashion magazines. Try the strutting the poses you see if you are not a natural. This way, you do not need to spend too much time figuring out a pose in front of the camera and tiring yourself out Derrick Henry Youth Jersey , even if you are trying to achieve a tired look. Try sporting different outfits and see which would best fit the theme.


One of the things that make a picture to look at all is its ease to the eye. Make sure the background where you are planning to take the picture is clutter-free so that the focus can be directly at you, and not the mess. At the same time, consider using a background and outfit that contrasts or otherwise complement one another so you can really stand out.


Another tip is to emphasize on the parts of your face or body that you like. For example, if you have exotic eyes that stand out, you can tilt your head slightly downwards to the side and look straight into the camera, which will focus on your eyes. On the other hand Corey Davis Youth Jersey , if you think you have beautiful shoulders, you could emphasize them by holding your elbows with your hands or taking the picture from the back with the head looking towards the side. And if you have the perfect smile, give the most sincere smile you can give.


It is best to have someone take the picture of you because they will be able to catch your best angles easily. However, if you are taking the picture on your own, put it on timer so the camera does not catch an extremely large arm. Do experiment with different angles and poses, and take as many as possible. You should be able to find at least a decent picture amongst them.


The great thing about pictures is that there is software that allows you to beautify it even further. Play with different image adjustments like color adjustments Marcus Mariota Youth Jersey , levels and so on to achieve a flawless image. Do also try using black and white or sepia settings which can really make an ordinary picture elegantly classic.


With the technology and your initiative, taking a hot picture is not difficult after all.


Find more details about hot picture and weird pictures.


Did you know that there are specific beverages, like green tea and coffee, with which you can loose weight? No? Properly then let me bring this factor to your notice that coffee is a fantastic way to shed some additional fats from your body. But sadly, a huge number of people are not aware of this fact therefore not taking ultimate benefits of this one ingredient. Slimming coffee can be used as any other diet