Going to College? Consider a College Student Credit Card

If you're a parent of a college student it may be a source of great anxiety. If you're a student getting ready to start the next stage of your life, it's another piece of freedom that you have been waiting for all of your life to gain. What is it? Your first credit card.

College student credit cards have been the subject of debate and controversy. Some argument that credit card companies are targeting the less than responsible spending habits of college students. They're offering students a credit card knowing that money will most likely be made in finance charges, late fees, and high interest rates. Additionally, colleges and universities often receive kickbacks from the credit card companies for allowing them to set up booths on campus, send offers to students and parents on the university mailing list, and give students the offer they can not refuse. Colleges and universities selling student information to credit card companies is sometimes seen as a conflict of interest.

Others appeal that learning to spend wisely and hopefully build a credit history should start as early as possible. If a credit card with a responsible limit is established, it may be the perfect time to build a positive credit report especially when most students are not bogged down with other financial obligations like house and car payments and the expenses associated with having a family.

If you believe that college student credit cards are right for your child, there are a variety of options available in two major categories. First, if an actual unsecured credit card is desired, very attractive cards geared towards students can be found. Some give extra rewards points for the types of the typical college student purchases like books, music, movies, and food and normal points for all other purchases.

The interest rates on these cards are at a manageable level but like any credit card, students should practice good credit habits by paying the full balance at the end of each billing cycle. Many cards have an introductory rate as low as 0% and no annual fee.

There is another class of college student credit cards that are not actually credit cards but represent an option with less risk of abuse or irresponsible spending habits. Parents can take out a prepaid credit card where a set balance can be added to the card at selected intervals. This does not build a credit history but advances the student from getting overwhelmed with credit card debt.

Many of these prepaid cards come with helpful benefits including no annual fee, free automatic bill pay, and free e-mail and text messaging alerts with information on the card's current balance. Additionally, places like Western-Union and many others serve as places where money can be added to the card.

Legislation protecting college students from unlawful credit card practices has been proposed but if you believe that a college student credit card is a good idea, many options are available. As always, going to one of …

Avoid Weight Gain at College

When you're away from home at college, you have the freedom you've always craved. You can live and eat as you like, but unfortunately, that lifestyle comes at a cost. When you're first at college, it's called the freshman fifteen, but you can still end up gaining weight after your freshman year-and many people do. You can avoid gaining weight as you go through college if you eat right and exercise properly. Here are a few tips on how to avoid packing on pounds while you study.

Curb Those Cravings!

Late night study groups can make you hungry, but a trip to the all night diner or the vending machines downstairs can fill your system with empty calories you do not need. Instead of reaching for the potato chips or a fat laden entrée at the diner down the street, prepare a healthy, energizing snack to bring with you. Brain food is better than junk food any day. Pack trail mix with dried fruits, nuts and seeds to keep your energy up. Avoid sugary drinks like sodas, which spike your blood sugar and cause you to seek out more sugar when you crash. Bring plenty of water to flush your system and keep you properly hydrated. Junk food and soda just add excess calories to your diet that will help those pounds creep up on you while dehydrating your system.

Go For a Ride.

Instead of driving everywhere on campus, why not try riding a bike or walking? You can pack more exercise into your day if you forgo the bus or your car and walk across campus. If the weather is nice, take a walk to your next class or to the library. Sign up for a physical education course to include more exercise into your routine. Why not even try to do a study group while working out? Go to the gym with your friend, line up on bikes or treadmills and then discuss the study material. If you must drive, park your car further out in the parking lot to force yourself to walk more. Take the stairs instead of the elevator. There are so many ways of packing more exercise into your day to help keep those pounds from sneaking up on you.

If you still find that the pounds are still creeping up on you and your diet and exercise program is not giving you the results you desire, why not add a natural weight loss supplement to your day? Natural weight loss supplements can help jumpstart your weight loss and keep you slim and trim during your time at college. …

5 Great Ways To Lower Blood Pressure Quickly

For people with high blood pressure, medication sometimes is not sufficient to lower it to healthy levels. Consequently, they have to find additional ways help lower their blood pressure. Uncontrolled and prolonged high blood pressure can lead to serious complications; including, kidney failure, heart attack, and stroke. That is why you need to do every little bit you can to bring it under control. Here are some natural ways to lower your blood pressure that are easy to incorporate into your daily routine.

1. A Piece Of Dark Chocolate Will Keep The Doctor Away.

According to recent report in the Hypertension: Journal of the American Heart Association, eating a small piece of dark chocolate everyday contributed to chemical changes in the body that help dilate blood vessels and lower blood pressure. Several research point to the conclusion that the antioxidant-rich compound found in dark chocolate known as flavonoids, have a healthy effect on blood vessels as well as glucose metabolism.

Even better news for chocolate lovers is the fact that dark chocolate contains more flavoniods than any other food; including green tea, red wine, and blueberries. A little dark chocolate is good for you, but a lot of it is not because chocolate is high in calories. Also, to obtain the blood pressure lowering effect of dark chocolate, you need to look for one that has at least 70 percent cocoa content. Dark chocolate is delicious but sometimes, it may be a bit bitter so, you may have to try different brands until you find one that you really like.

2. Potassium: A Magic Mineral.

Potassium is a key nutrient in maintaining the electrolyte balance which regulates heart and muscle contraction. It also plays an important role in maintaining proper fluid exchange. A study conducted at Duke University shows that daily intake of Potassium supplements can significantly reduce high blood pressure. African-Americans showed the biggest drop. Their blood pressure went down almost 20 points, causing the speculation that this sub-group might be particularly sensitive to the blood pressure lowering effects of potassium.

It is recommended that you try to get your potassium from food. Dietary sources of potassium include apple juice, apricots, avocado, bananas, legumes, beets, cantaloupe, carrots, oranges, pears, white and sweet potatoes, raisins, salmon, sardines, watermelon, and winter squash.

3. Water: Nature’s Miracle Medicine

When your body is in a state of dehydration, your blood pressure will increase dramatically. In fact chronic dehydration is the cause of chronic high blood pressure. Dr. Bathmanghelidj, the author of You’re Not Sick, You’re Thirsty, says that when the body is lacking water, it attempts to hold on to the available water supplies by retaining salt. When the body starts to retain water instead of letting it flow normally, blood pressure rises. However, this increased water retention is simply a preventive measure the body uses to protect the vital cells within it from becoming totally dehydrated. Water is one of the most effective ways to lower blood pressure.

Adequate water intake, …