Your Questions About Credit Tips For Students

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Sandra asks…

Credit crunch money saving tips for a student..........?

I don't go to the gym, or the salon often but I'm skint. I have no idea where my EMA goes, but I don't have anything concrete to show for EMA. Too many sweets I guess. Again, I'm skint. What should I do to save money - what little things can I incorporate into my life to have a little more cash in my pocket

Credit-Repair-Guy answers:

At the mo, there's some backpayments happening with EMA because people aren't receiving the payments. Personally, I just bring in food from home for lunch and eat it. And now in every1 in my yr is doing it! Yes, that food is sometimes rice, chicken and maybe salad. At least I know how the food was made and how hygienic the conditions are. But also, I try and avoid sweet shop coz I know I'll buy something if I go in.

A little advice for me.

Mandy asks…

Im 18 and a student, getting my first credit card....tips?

im about to get my first credit card and would use it in calculated ways, such as buying say a $90 pair of shoes with a credit card while actually having the money on me, so then I will lock that $90 and save it for the bill. That way i can build credit....good idea??

Any other tips?
I wanna get one in case of emergencies and build credit, im good with money and can handle not spending much.
If I buy the bill off in one month, is that better than spreading out the payments?

Credit-Repair-Guy answers:

When you are 18 and a student, it is probably the easiest time for someone with no credit to get a credit card. In fact, you should get one when you are a student to help establish your credit and build a credit history. This will come in handy when you graduate and you are looking to rent an apartment, get an auto loan etc. If you have established a good history, you will get better rates. If you wait till you graduate, you may have to get secured credit cards or sub-prime credit cards.

The key is to use your card wisely, do not overspend, pay your bills on time. Within a year or so, you will have a decent credit history and by the time you graduate, you want to have a very good credit score.

However, if you miss payments, get into debt rapidly, you cause yourself more harm.

Most student credit cards have standard features like no annual fee, apr of prime rate plus 9.99% (which seems to be the standard for almost all credit cards). Hence, I think it is best that you get a reward card to earn points, or get cash rebates, since most student credit cards are identical and almost comoditized.

So do the following -

1. Have a budget and stick to it.

2. Pay your bills fully on time.

3. Enroll in automatic deduction so that your bills are automatically deducted from your bank account. Hence, no chance of a late payment.

John asks…

Tips on how to start my credit history?

i'm 19, have been denied from the most national banks and smallest ones including target and walmart... and some other local stores... nothing seems to accept me cause i have no credit history.

but i dont understand that discover said i can get a credit card for students to start my history, but i was then denied because i have no history... does that make sense?

anyone knows any ways to help me get my credit history started?
please and thank you

Credit-Repair-Guy answers:

The first thing you need to do is get a copy of your credit report - so you can see what the card companies are seeing. Someone may have stolen your identity or a bill collector may have gotten your file mixed up (medical bill etc...) and reported the wrong information on your Social Security Number. Equifax has a 3-1 report that includes info for all three bureaus - you can also get a free copy from the FTC's site (see link below).

Once you are sure your credit report is free from any negative information, try applying for a Capital One student card. Most anyone gets approved w/ a $300 limit. (With good payment history - this can be raised but you have to call and ask - its not automatic.) Use it and pay it off each month for about three months, then apply for a Discover Student Card.

If you are not approved for either of these, a secured credit card may be your next step. Public Savings Bank has a high approval rate but there are fees.

Good luck to you!

Helen asks…

Any tips on working two full time jobs or full-time school with full time job?

This fall I will be doing my clinicals for school from 7am to 3pm Monday-Friday for an entire year. I need to work full time to pay for rent and stuff. I can't take out a private student loan to help...i don't have good enough credit. Any tips on how to not get burned out? How to stay motivated?

Credit-Repair-Guy answers:

Make it fun thaty is all you can do to make it go by

Steven asks…

balance transfer credit card?

i have about 1400 on a credit card and the interest free will be running out in approx 3months, so i wanted to transfer the balance to another card which will allow me to pay the balance off interst free... but here is the problem all the cards i apply for keep turning me down???
this is the only card i have ever had, i have no mortgage and other than my student loan no other outstanding credit ----
any tips for getting another card to transfer the balance? or any general advice?

Credit-Repair-Guy answers:

You may be maxed out on your current card, therefore bringing down your credit rating.
Any time you use more than 30% of your avaialble credit limits you are reducing your score.
That's why it is best to pay in full each month.
/

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Your Questions About Credit Tips For College Students

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Michael asks…

Credit card tips for a college student?

Ok Im looking for one of those prepaid credit cards to build credit. heres my situation. i work part time as a waiter, i make between $400 - $600 a week. I dont plan on ever buying anything until i have the money to pay it off immediatley so i dont have to worry about interest but want to build credit. Ive been paying interest on a student loan for 2 yrs so far. not sure what my credit score is sure it can be good. my loan payments require $20 a month, i pay $30 every two weeks to give u an idea of my credit history. what should i look for in a card, how do i get one and any other tips.

p.s. i realize i should never use more than 30% of my credit but its prepaid so does it matter

Credit-Repair-Guy answers:

Yes i dose matter if it prepaid. If you don't pay them they hit your credit report even tho they have their money. Sec they treat you like a credit card customer so you build your credit. Its a secure card is what you are looking for interest will be high on it to

Joseph asks…

I JUST got approved for my FIRST credit card. Any tips and Advice?

okay so i just got approved for a college student credit card. I have no credit and i want to start building it. The limit is $800 but i dont plan on spending that much. im sort of nervous about it because i love to shop so i dont want to get carried away with it. Do you have any tips or advice on ANYTHING about having a credit card?
thanks :)

Credit-Repair-Guy answers:

Always use debit and dont't charge anything

Richard asks…

Any tips for buying cars w/ low car payments for college students?

I have don't have much if any credit- just a low amount credit card. Since I am footing the bill for that an two other bills,I dont have very much room left for insurance
( which i know is nesscesary) and a car payment. Help!

Credit-Repair-Guy answers:

Sorry to burst your bubble, but the best transportation for you at this stage of life is probably a bicycle. If you can't afford a reliable car, then the insurance, maintenance (and campus parking fees) will just eat up all your spare cash. Save your money until you graduate and find a job to pay for something better.

Steven asks…

First credit card for college student (Please Help)?

I am currently a college student and going to be a sophomore in this upcoming fall. I have been eager to apply for a credit card but was hesitant since the new CARD act makes it very hard for people my age (19 years old) to get a credit card unless I have co-signer or have sufficient income.

I thought I had nothing to lose if I get denied, I can try again in the future. So I applied to the Capital One Journey Card which claims is great for college students who have no credit history and are building credit. I am currently unemployed and have not worked in 2 years since I have been busy with school. But I have a checking account and savings account which has enough money in both along with my family household income

(The person at capital one told me that the household income should include my parents or those living in my house not just me which I did not lie on since I asked my parents income and was honest about it on the applcation)


I then applied and was confirmed instantly. I was shocked and super exited. It said I should have the card in 7-10 business days. I have a 500 dollar monthly limit which I don't plan on spending that much since I plan to spend on small to medium size things or in emergencies and pay the bill instantly.

As a new card holder, I would like to know why I was approved and all since this CARD ACT makes it stricter. Is it considered a secured card? And is there any other people who have the same card? Any tips to build up my credit and the benefits of this card?

Thank You

Credit-Repair-Guy answers:

Consider yourself blessed that you were approved. Please be very careful with this new credit. It can make or break you later in life. A $500. Credit limit isn't much, but if you charge it up, and even make minimum monthly payments, the interest can add up quickly.
Hopefully you can use this credit card to build your credit. Only charge what you know you can afford to pay off completely at the end of the billing cycle. If you must charge more than you can afford to pay at the end of the billing cycle, at least try to make more than the minimum payment (that usually just goes to interest). Check your interest too. If it's a high one 18% or more (as is often the case with new credit holders), make sure you pay the whole thing off each month. That interest can eat you alive.
Best wishes.

John asks…

First credit card for college student?

I am currently a college student and going to be a sophomore in this upcoming fall. I have been eager to apply for a credit card but was hesitant since the new CARD act makes it very hard for people my age (19 years old) to get a credit card unless I have co-signer or have sufficient income.

I thought I had nothing to lose if I get denied, I can try again in the future. So I applied to the Capital One Journey Card which claims is great for college students who have no credit history and are building credit. I am currently unemployed and have not worked in 2 years since I have been busy with school. But I have a checking account and savings account which has enough money in both along with my family household income. I then applied and was confirmed instantly. I was shocked and super exited. It said I should have the card in 7-10 business days. I have a 500 dollar monthly limit which I don't plan on spending that much since I plan to spend on small to medium size things or in emergencies and pay the bill instantly.

As a new card holder, I would like to know why I was approved and all since this CARD ACT makes it stricter. Is it considered a secured card? And is there any other people who have the same card? Any tips to build up y credit and the benefits of this card?

Thank You

Credit-Repair-Guy answers:

It's not a secured card. And it's not a $500 MONTHLY limit; it's a $500 TOTAL limit. And, frankly, $500 isn't much of a risk for a large credit card company.

In a worst case scenario, you'd charge up the full $500 and then not pay. They would attempt to collect from you for a period of time and then sell the debt to a collection agency, thus reducing their loss. The credit card company simply moves on having had a very small loss. Meanwhile, the collection agency harasses you for years to come as your credit goes down the drain. The big loser in this scenario would be YOU.

More typically, you'd charge the card to the max of $500. More if they raise your limit. And then you pay only the minimum payment with a high interest rate. Every month you'd be paying them interest and hardly touching the principal. This is a huge win for the credit card company, plus they'd also get their annual fee if there is one. It's something of a win/lose on your credit history but at a huge cost in interest payments.

Ideally, you'll use the card cautiously and wisely. Use it only occasionally and pay off the full amount as soon as you get the statement. They'll still get that annual fee if there is one. And while they won't be making any interest off of you, they do get 3 or 4 percent from the merchant every time you make a purchase. You could potentially carry this card for the rest of your life and as a college graduate your disposable income could be quite substantial. The scenario is a win/win for everybody and well worth their initial risk of $500.

How this goes for you is entirely up to you. Be smart.

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Your Questions About Credit Scores

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Richard asks…

credit scores?

I was just wondering how do credit scores work in association with credit cards and about how long would it take for a person to reach a good credit score rate ?

Credit-Repair-Guy answers:

There is fantastic information regarding this on this webpage.....



Http://fixingyourcredit.blogspot.com

_____________

Charles asks…

Credit scores?

Does anyone know why when you order your own credit report from Experian, Equifax, Transunion, scores always differ (they are higher)to those ordered by mortgage companies and auto dilerships? I know they typically use Tribureaus repaort but still scores should be the same. I pulled mine but the service that I use and it showed 740, but the same bureau reported to my lender 784? Any ideas?
sorry , meant to say that scores are always lower when you get your own report, not higher.

Credit-Repair-Guy answers:

Because you are purcahsing them from a reseller which has nothing to do with FICO (Fair Isaac & Company) scoring model.

There are roughly 900 different resellers and al;l the scores are different.

True FICO scores that mortgage companies use are calculated by FICO (also known as beacon for TransUnion, Empirica for Equifax and Fair Isaac risk model for Experian)

There is a new score (announced in March 2006) called the Vantage Score that will be taking over all three of the above referenced names for FICO and will range from 501-990

Also there is a new bureau called Innovis that essencially forced the other bureaus to develop the Vantage Score.

Here is a goos resource on FICO scores, read it!

Http://www.expert-credit-advice.com/credit_score.htm

Laura asks…

Credit Scores?

I just got a copy of my credit report, and I am curious as to what these different values mean. My Beacon score was 652. My FICO classic is 718. My Isaac Model score is +668.

Are these good? What's the different types of scores mean???

Thanks in advance!

Credit-Repair-Guy answers:

I'd suggest purchasing your FICO scores from www.myfico.com as these will be the "true" scores. Usually, you'll want to look at your middle score, though some lenders look at the top score, some look at the bottom score, MOST look at the middle score, and some will average the scores.

Joseph asks…

Why do I have 3 different credit scores from the credit reporting agencies?

I am currently monitoring my credit report from the 3 credit bureaus. I filed bankruptcy almost 2 years ago and I currently have no balances on any of the 4 credit cards I have and have never been late on a payment to them. I monitor my credit report with Experian and I now have a 620 credit score. With experian I have seen a steady increase in my credit score since I filed my bankruptcy. With the other two agencies, I haven't seen much of a change. Experian is at 550 and Transunion is at 505. I have checked my report with all 3 bureaus and they all have the same information. Can anyone tell me why there is such a difference in the three credit scores? As of right now, I have $100 balances. I pay all my bills on time and from everything I've read, a discharged bankruptcy from 2 years ago should have my credit back to about the 650 -670 range. Am I missing something?

Credit-Repair-Guy answers:

The reason you have 3 different credit scores is because each of the bureaus are independent of each other, and have completely different scoring systems. In my 4+ years I have only seen someone have the same score from 2 of the bureaus ONE time. Don't be concerned about this at all.

What you should be working on (and it sounds like you WANT to) is raising your credit score. With the scores you have right now, you are in the bottom 10-15% of the population. But don't fear! It is rather easy to increase your scores drastically, and within a reasonably short amount of time.

#1: Keep each type of account on your reports. Your bureau is divided into the following: a)Mortgage, b)Installment (like auto, student and personal loans), and c)Revolving (credit cards). A:If you aren't a homeowner, or don't think you can qualify for a purchase, look into a Lease To Purchase option. This will allow you to get your foot in the door to home ownership. B: Paying cash for your vehicles will hurt you in the long run. If you can't qualify yourself, get a co-signor...At least you will be building your credit!

***C: REVOLVING ACCOUNTS***
The reason I am starring this, is because this is where the large majority of my clients with low scores have fallen short, and the easiest to correct!
1. Never pay late- pretty self explanatory
2. Don't close out all of your cards! One HUGE misconception is that you will benefit if you pay off and close out all of your accounts. On the contrary, this actually really hurts your credit. Think of it this way...You have had these long-standing accounts with good payment history, and all of a sudden they are gone! It's basically like a heart attack to your credit report! Closing out a few accounts which haven't been used for a while is okay- start with accounts that have smaller available credit limits and huge interest rates like store cards (Sears, Old Navy, etc).
3. Remember the "50% rule". Simply put, don't go over 50% of your available credit limit. It doesn't matter if you have a limit of $1000 or 10,000...Keep it under the 1/2way point. People who do not follow this will see a drastic drop in their scores; even if they pay on time each and every month!
4. Lastly, USE YOUR CREDIT! Charge dinner, gas, groceries, whatever...And pay it off when the bill comes. You want to make a conscious effort to keep your credit open and active every month.

I hope this helps! It will take some time and effort, but you could see your scores reach the prime level (above 685) within a years time! :)

Nancy asks…

Are you in favor of lowering the standards of credit scores to help the economy?

With the economy down and it impossible to get credit. Do you think it is a good idea to lower the credit standards so that it is easier to get credit. For example. Those that currently have high credit scores should be able to pay no interest on any loans. And those that have fair credit scores should enjoy the low interest rates of the people that had excellent credit. And for those that have poor credit, they should have decent rates, not sky high rates. In other words if they get rid of high interest on loans, do you think the economy will improve?

Credit-Repair-Guy answers:

I'm all for that, and if for the economy to improve people need to be able to spend, I think it would work. Where I was living they checked credit for everything ... Jobs, rentals, etc. In addition for loans, credit cards and the normal stuff.

Surprisingly, a girl we know received her first Visa Card about 2 days after turning 18. She didn't even apply for it, and only works part time ... For the minimum wage. She had been on a co-signed checking account, and they just sent the Visa (only $1,000 ... But still). I guess they want everybody spending.

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Your Questions About Texts To Send To An Ex

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Ruth asks…

Should I send the texts my ex sent to me, to his family?

Long Story Short, I dated a guy for 2 years, at that point I found out that he had been dating some one else For eh last 8 months. His family thought that we had broken up 8 months prior, which we did but only for a month. So we break up again and he calls me and texts me telling me he misses me, will I have him another chance, so i did... stupid me. I just found out now after 3 months of being back together... that he has been dating her again for what he tells me to be 2 months. Again his his family had no idea we were back together. I am wondering If I should send them all of the texts that he has sent me over the last 3 1/2 months. I feel like he might be telling them that I am making it up or delusional... and I want the truth to come out, Telling me how much he loved me, and that we were actually in a relationship, at least that was what he was feeding me. I feel with these text they will see the lies he has been telling as well as let them know that he was the pursuer not me.....Should I send them?

DatingOnlineSecrets answers:

Don't...at least where they know its from you. They key to make them believe this stuff is to get them to receive the news from someone the trust almost unconditionally. The best way is to get a sibling(who sympathizes with you) of his( especially if he has a sister) to break the news to the rest of the family. If that cant happen, do the same thing except with a family friend that is a friend of his. They may be more inclined to believe you if it comes from an objective 3rd party. Good luck

Ken asks…

What is a good text to send to an ex?

I need him to know how I feel. We had a complicated (not terrible) relationship that ended after a year, then on and off for a couple months. Now it's off and I haven't talked to him for a week since it ended (again). I just want him to know how I feel without sounding desperate or needy. Please anything!

DatingOnlineSecrets answers:

I understand how you feel, I've been in that situation. But I resisted that urge to text him, and now 2 years later, it's blatantly clear that the way we were going, the on and off, hot and cold thing was never a relationship that would work. With my boyfriend now, no matter what stupid argument we might get in, no matter what stupid thing the other might do, breaking up or taking time off is NEVER even an option in our head. We work through it, we don't run. THAT'S a relationship that can work.
LET HIM GO! You deserve someone who couldn't go a DAY, nonetheless a WEEK without talking to you. You deserve more, get rid of him so there's room for someone better :)

Donna asks…

Should i send ex boyfriend angry texts or just cut him out by ignoring his calls and avoiding him in public?

My user ex boyfriend is acting like a jerk again. The problem is instead of acting like a jerk and just letting me move on, he just stays there rotting in my life. Begging, lying and being manipulative. He's scum but has always managed to weasel his way around me with sob stories and pathetic excuses. I don't even know why i slip up and call him. It's just that no matter how many times i ignore or put his calls to voicemail he continues to call, and then he won't stop poppi ng up at the places where i am, with almost copycat timing when i'm ready to move on. He's such a waste of space, he plays all these insecure pathetic mind games, and as soon as i start seeing or paying interest to anyone, he starts appearing all over again. And he loves winding me up as well. I cant even class him as an ex because he wouldn't let me meet his family, his friends. He'd try and wear me down when i wanted him to get lost by parking his car in front of my house, talking excruciatingly loudly and blasting music loudly on purpose because his back garden is opposite my house. Do i do the angry i hate you stay the hell out of my life calls and texts. I called him earlier and he's spitefully not picking up my calls, i would at least have liked to have spoken to him about how i feel. This has been going on for almost two years, the worst thing is i haven't got the heart to call the police on him. It's time i got selfish and found myself a good man. How do i cut this user scum out of my life, and how do i stick to it without allowing myself to be sweet talked, lied to and manipulated?

DatingOnlineSecrets answers:

Change your number?
Go out with mates meet new people and forget about him,, hes upset u for 2 years now its time to enjoy yourself, just move on,, good luck :D

Helen asks…

Is this an appropriate text to send to my ex?

My ex dumped me 2 months ago, we have argued and ignored each other continuously. She has ignored for an entire week now and won't even respond when I am saying hi.
I am thinking about sending her a text saying "Are we ever going to speak again? I apologize for everything that has happened between us but are YOU alright? I am just concerned about you"

how did that sound? how could I improve it?

and don't just say move on, I am trying to at least be her friend

DatingOnlineSecrets answers:

To me that would sound fine, however, she may be on the terms thst she doesnt ever want to speak again. And Im not going to say just move on, because its not that easy.....its just not as simple as to get over it, however....its also not easy holding on to somone that doesnt want to be held on to....
You could send her the text, but if she doesnt reply, well then i guess thats your answer.... :(
im sorry and hope everything goes well for you :)

(i dont think it sounds like you are accusing her, if you say you are sorry for everything and for what you did (whatever that be) or your part in the situation). It may sound better!!!

Robert asks…

GF's ex Sending Texts?

my girflriend and I have been dating for 3 months. She still receives texts from her ex once every other week, and on holidays but they don't talk. Sometimes he'll send pictures of the cat they had together, sometimes it's just an 'i miss you'. She's been great to tell me when they come in, and it's nice to not have anything hidden.

She doesn't like having him text her, and has not responded to any of them with exception to one on christmas which she did not tell me she responded to until after she did it.

She'd like to say hello on holidays in a card or whatever, but would never pick up the phone if he were to call. I don't know this guy, but it makes me wonder if she wouldn't pick up the phone, why would she open the texts? She said she partially did it because she feels bad for him. I do trust that it's not any more than these short contacts he attempts to make. However, I've been under the impression we're very serious and even talked about moving in together or closer as it's a long distance relationship we have.

Am I letting this get to me more than it needs to? The first thing I woke up to this morning was her showing me a picture of their cat he sent on the phone.

What do I make of this?
tks for the responses, to answer one of them I don't talk to any of my ex's.

DatingOnlineSecrets answers:

If this truly annoys her tell her to change her number block him or do something. It's not that hard.

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Your Questions About Credit Tips For Young Adults

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Mary asks…

Are American Express Blue Cards good for young adults?

I'm 21 years old and make about $1,500 a month. I just recently got a new car(2003) and I had to have someone co-sign because I don't have a credit score.Not bad credit, just NO CREDIT. I'm wanting to build up my credit score and I'm thinking about applying for a credit card to do so. I thought the American Express looked good, but I don't really know a whole lot about credit cards.Any help or tips about this will be much appreciated. Thank you.

Credit-Repair-Guy answers:

Am Ex is usually the most difficult card to get. Usually you need a good credit history to get one. Am Ex blue usualy requires a FICO score of around 720+ which indicates you have good mature credit. If this is your first credit card, I suggest getting a Visa or a Mastercard. Visa and Mastercard is accepted a lot more than Am Ex. Every place which takes Am Ex will take Visa or Mastercards (except Costco) but there are places which won't take Am Ex or Discover at all. Capital One, Chase and Citi have offers for students and people with young credit. I suggest you try getting a Visa or a Mastercard through them.

Http://www.capitalone.com/creditcards/products/details/?sol=10589&tc=14&credit=3&linkid=WWW_0608_CARD_Z_Z_Z_01_T_CP58914LW


Note plastic isn't free money. Use your cards as you use cash. You don't buy anything if you don't have cash for it. Unlike what others are saying, building credit is VERY important. One day you would want a house and/or another car. For that, you need good credit and managing your credit cards responsibly builds you that reputation. Why would a bank loan you money if you can't show them you have been responsible? So manage your credit responsibly. I suggest get a card with a small credit limit like $500 and use it sparingly. Once you get the hang of it, you can apply for other cards. Learn to walk before you run.

Mandy asks…

young adult looking for ways to save money...any tips?

20, female, college student, work around 15 hours a week, live with parents but pay my cell phone bill, credit card bill, and gas for my vehicle.

Credit-Repair-Guy answers:

Walk when possible, use a cheap service provider (T-Mobile), clip coupons, look for sales, don't over shop. Put away a certain amount of cash (like 50) a week just to have some money if you ever need it.

Sharon asks…

Building a "How to buy a Sensory Room" webpage. Ideas please.?

Hello.

I have recently been working with different schools / charities etc on buying and building sensory rooms for children and young adults with all sorts of disabilitys. Working with software called Visual Voice Pro.

I am putting together a "How to buy a sensory room" information webpage for those that might be interested. The main draft is here:

http://bit.ly/pr6Cgn

I need to add a LOT more quality information, as you can see it is a bit higgldy pigeldy at the moment.

Does anyone have any suggestions or first hand experience of buying or building a sensory room, and do you have any tips that other people might find interesting? I got most of my info from wikipedia, but I need a more personal touch. I will of course credit any information sources. I'd love to know what people think.

Thanks
Adam

Credit-Repair-Guy answers:

Contact Temple Grandin she would be a great source with her squeeze machine she developed for herself.

Lizzie asks…

Can someone proofread this and possibly make some suggestions for a conclusion?

The glow of the computer screen fills the dark room. A loud sound of clicks pours out of the keyboard. Every so often the sound of a new message echoes against the walls. The anticipation rises between every message. The messenger is a mystery, wearing an ugly disguise that is easily portrayed as an innocent adolescent. With no sense of danger, she agrees to meet the so-called minor that would turn into a downward spiral to her inevitable fate. This situation is common in young woman who are naive to the thought that sexual predators exist over the internet. The internet is a place with little supervision and well design and intriguing websites. Predators and hackers find the internet as a way to manipulate users and abuse the concept of using the internet. Anyone who has an internet connection is exposed to common threats and material that may be harmful to the their computer and themselves. None of these dangers are more common than internet predators. Internet predators are a growing concern for parents. Predators find it easy to reach children through chat rooms and social networks like Myspace, YouTube and Facebook. Both Myspace and Facebook have developed a new generation of young adults almost all by themselves.
The concepts of these networks are easy. A personal profile is made which includes things like hobbies, blogs, videos and pictures which are easily searchable by personal information entered upon signing up. Other users are able to leave comments and messages on your profile. You may also add users to your friends list which allows them to view more pictures and have access to vital information about yourself. This information includes your city, state, age, schools, companies, martial status, and even your yearly income. Doing this increases the chance of people finding out exactly where you are. If you were to post that you were going to be somewhere at a particular time and date, it would be frighteningly easy for someone else to wait for you there. More children are abusing the networks using them for self gratification. They tend to feel better about themselves. Most children on Myspace add friends they don’t know. They are fooled to believe that having friends’ years older than themselves is innocent. Although most websites won’t let you sign up if you’re too young, it’s fairly easy to type in any year you desire, making it simple to be any age you want. According to Myspace, in August of 2006, they reached their 100 millionth user making Myspace expand into an international empire and containing over 50 million users. With the successful expansion, Myspace is taking a stand against sexual predators and hackers by devoting a page of safety tips to making a Myspace experience safer. The page gives you tips and resources that the Myspace team encourage you to share with your family and friends. They also hope to install new safety features, making it impossible for anyone to do any harm.
Although social networks propose many threats they’re also used in a crime fighting manner. Take Heather Kane for example, who used Myspace to obtain information about her ex-husband’s new lover. She intended on hiring a hit man to kill the woman. Fortunately, the hit man she hired was an undercover policeman. Police now use the internet to help collect evidence that can be vital in a court case or to help identify suspects. Users sometimes post explicit pictures or a confession, making to easy for police to file charges.
The internet isn’t just a place for communicating. Many people who have the internet use it for everyday conviences. People buy their prescriptions, gifts, clothes, games, movies, music and everything else through the internet. These actions usually require credit card information. Hackers can easily obtain this knowledge and use it as if it were their own. Sometimes, they use vital information and sell it to other hackers anywhere from $1 to $175 depending on how much information they have. Everyday, over 400 credit card numbers are stolen. This may include social security numbers, pins, birth dates, phone numbers, street adresses, and even mother’s maden name. Banks are trying to resolve this issue by issuing a credit card number that may only be used once, hopefully reducing a risk.

Credit-Repair-Guy answers:

Dear Haley,
The opening paragraph seems to create the setting of almost the begining of a thriller story of some kind. As one reads on, your narrative turns into a series of inserted facts and information on the security of the internet using many examples, most of which are ungrouped. This comes to mean: structure. You need to structure your essay into a more conclusive: intro, evolution, body, summary, end. What is the essential message of your essay? Seems to me, security on the internet, and adolecents. These then have to be the pillars from which your essay opens, evolves and ends. The beginning is asking perhaps a question, and after expounding your facts, the ending is perhaps an answer to that initial question.
I must say reading your essay did fill me with apprehension, and I encourage you to pursue structure in your lecture and resolve it into a concerted message for others as well as my awareness. Thanks and good luck.

Jenny asks…

FIRST TIME CAR BUYER TIPS/ & HELP?

I drive a old 1991 Saturn which I was found very cheap a year ago and jumped on it, it was my first car, and it's been in my name since. The car has been great and served it's purpose to the fullest extent, in the way that it's gotten me from place to place, but it's had problems since I drove off in it.
The cradle is bent which creates 4x wear and tear on the tires because it causes the wheel to pull to the right screwing up my alignment. It's missing valve seals or caps or something like that, so I have to put oil it at LEAST 2 times a week. Now it's starting to overheat at red lights and when i make stops, and when it starts to overheat the air turns off, but as soon as i start going again it cools back down. It's just all around a piece of junk
I'm 19 now, I have a job, steady income, and I go to college 2 days a week. My college is an hour away from my house, so I really need a more dependable vehicle. I have no financial help. I do live w/ parents for free. But I have car insurance to pay, cell phone, credit card, tuition, books, and fees for school, monthly medicine and many other misc. unexpected expenses, so I am responsible and am capable. I just felt the need to explain why I want to buy a new car first because what teenager doesn't want a new car? And I can imagine adults reading this thinking, "yeah, she's young and doesn't know what she's thinking." And that’s usually true, but not only do I want a new car I really need one. I could pay to have my car fixed but I've been told by the last mechanic who looked at it that fixing it would cost more than it's actually worth so why not spend the money on something that's going to last. . So, obviously, I have nothing to trade in, so what's the best way for me, an independent 19yr old college student, to go about purchasing a new vehicle?

Should I go ahead and buy a brand new car? That way I'd have warranty and all, and wouldn't have to worry about it always breaking down.

How do I go about getting a loan?

Should I go through my bank? Should I go through someone else? Car dealer? What would be a good deal as far as interest?

How much is my insurance and taxes going to go up?

Is it possible to get low payments a mo? like 150?

What's the kind of things. places, people I should avoid?

What will the dealers not tell you?

What can I expect to pay up front?

I’ve heard the newer the car the more the taxes and stuff will be, BUT the older the car the lower insurance is. So doesn’t it all eventually even out?

Credit-Repair-Guy answers:

Well, without either a cosigner or a substantial down payment, a new car is not really an option. Since you're only 19, your credit limit and lack of history will cause you the most frustration.

As far as getting a loan, the first place I would check is your bank or credit union. They will sometimes offer pre-approvals, however most will still require a cosigner. A payment of $150 is extremely low even for someone with an 850 FICO, however all payments are based on the amount to finance, the term, and the rate.

Dealer financing might be the only way to get a car if you have no other alternative, however the rate will typically be pretty high and many won't report your loan to the credit bureau's unless you default.

I would really try to find someone willing to help you because if they do so, it can really raise your chances at being approved as well as give you more options. Good luck and you can email if you have questions. You'll probably get a few good answers, so hopefully someone is able to help you

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