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Student life is tough, especially when you’re trying to balance school, friends, and a part-time job. But there are some great ways to save money without sacrificing your social life or your grades. In the past, it was hard for students to find affordable student loans and grants because they had limited access to computers and other technology. Nowadays though, there are plenty of online tools that make it easy for students to manage their finances in college without breaking their bank accounts.
Textbooks can be very expensive. Students spend hundreds or even thousands of dollars on textbooks each semester, and according to College Board’s Trends in Student Aid report, the price of books and supplies has increased by more than 300% since 1986. With all the money that students already spend on tuition, it’s easy to see how they might feel like they don’t have enough left over for textbooks. Luckily there are a few ways students can get their hands on free textbooks—and save some cash along the way!
-Browse online bookstore sites for used books.
-There are free open libraries that you can take advantage too.
-Use Google Books to find some free copies of textbooks.
Music & MoviesPandora
is a free music streaming service that allows you to create personalized radio stations based on your favorite artists, songs, and genres. If you have an Apple device like an iPhone or iPad, Pandora can be even more useful because it comes with a free app for iOS devices that allows users to make their own playlists from anywhere at any time. Pandora also offers an ad-free version for 99 cents per month if you're looking for something more specific than what the free version provides!
If it's movies that make your heart sing then MovieNite is the perfect place for you! This site offers access to thousands of films including many recent releases (and some not so recent) as well as classic old enough that they might show up in most people's grandparents' collections too! You'll even find animated features just waiting for young children's eyes - though there are no guarantees about what kind of scary stuff might happen when they watch them…
Microsoft Office Online is a great resource for students to use for free. It's a free version of the Microsoft Office suite, which includes Word, Excel, PowerPoint, and more. If you're already familiar with what these programs are capable of doing then this will be an easy transition for you. Another program worth mentioning is Google Drive: it has similar capabilities as Microsoft Office Online but it also offers Gmail storage and other tools that make it easier to transfer files between devices or share them with multiple people at once.
If none of those options seem up-to-par then consider checking out either Zoho Docs or CloudOn. Both have features similar to Google Drive such as allowing users access anywhere anytime without having an internet connection available; however, unlike their competitors mentioned above both offer some advanced features like word count monitoring within each paragraph (Zoho). Additionally, these products offer additional advanced tools such as presentation creation capabilities along with complicated formulas available only in spreadsheet applications such as Excel (CloudOn).
Online storage is a type of cloud computing that allows you to store your data online, rather than on your computer’s hard drive.
Tools for School Projects
If you're taking a class that involves the production of a documentary, video, or podcast, then it's more than likely that your professor will require you to use some sort of editing software. This can be expensive on its own, but thankfully there are plenty of free tools available for students.
In addition to the basic editing functions offered in most software packages like trimming and adding transitions between clips, some also offer useful time-saving features such as auto-ducking (which lowers the volume level when it detects speech) and auto-mixing (which combines two audio tracks). There are also tools to compress AVI, MOV, and MKV files.
Tools for Studying
Specialized Apps for Students to manage their finances
When it comes to managing your finances, there are many tools and apps available that can help you do so. From budgeting and planning to tracking your spending and saving, these tools will help you take control of your money.
The article above serves to be an online resource for students looking to save money while at school. I think readers will understand the value of this type of content and how beneficial it can be to students in their pursuit of higher education.
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While most of us have an understanding of the term life insurance, you may be surprised to learn that there are many different types of life insurance policies available to choose from. The right type of life insurance policy for you will depend on a number of factors. These can include how long you require coverage, how much you’re willing to pay and whether you are interested in a life insurance policy which accrues cash value over time.
The two main categories of life insurance
While there are several niche policies available, all life insurance policies belong to one of two main categories:
1. Term life insurance: These policies are in place for a set number of years and are ideal for most people. If you don't pass away within the specified time frame in the policy, the policy will expire and there will be no payout.
2. Permanent life insurance: These policies last the entirety of your life and typically include a cash value component which can be withdrawn or borrowed against while you are still alive.
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Other life insurance categories
There are several other common life insurance categories, each of which can be classed as term or permanent policies. Let’s take a look at some of these and how they work:
Variable life insurance-The cash value of a variable life insurance policy is linked to investments, such as mutual funds and bonds. Premiums on variable life insurance policies are usually fixed, with a guaranteed death benefit regardless of market conditions. If you’re thinking of this sort of policy, you may want to consult a financial advisor or perhaps use a retirement checklist to help better understand your finances in pensionable age.
Universal life insurance-With universal life insurance (sometimes referred to as guaranteed life insurance), death benefits are guaranteed without any change of premiums. There is usually little or zero cash value within these policies, and insurers typically demand on-time payments. You can usually set the age that you want the death benefit guaranteed.
Universal life insurance can be cheaper than whole life insurance, although missing a payment could mean your policy is forfeited. Considering there is zero cash value in the policy, you could be at risk of walking away with nothing. There are many pros and cons associated with this type of insurance, so be sure to do your research before deciding whether or not it’s right for you.
Simplified issue life insurance-For those who are unwilling to take a medical exam, instant-approval policies might be more appealing. These policies use online health questionnaires and AI algorithms to help speed up the application process. When applying, you’ll be asked a few simple health questions, although you could still be turned down based on the answers you provide.
Fully underwritten life insurance-
Underwriting refers to how life insurance companies calculate the risk of insuring an individual. If you are healthy, a fully underwritten policy will usually be the cheapest option. To get the most favourable rate, it can be useful to provide as much information about yourself and your occupation as possible.
No two people are alike, so it should come as no surprise that there are different life insurance policies for different needs. If none of the above meets your criteria, it’s still worth speaking to an insurance broker, as they may be able to offer a policy that suits your lifestyle and budget.
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