Credit News

Banks that make the most money, and the least, on credit card loans #student #loan #consolidation #calculator

#credit card loans

Banks that make the most money, and the least, on credit card loans

By Fred O. Williams

The most lucrative card companies are ones you probably never heard of — but whose cards you just might carry.

Store-card issuers Comenity Bank and Synchrony Financial, formerly called GE Capital, reaped the most interest and fees from their cardholders among 12 major card issuers, an analysis by found.

Banks that issue credit cards are enjoying high profits these days, buoyed by low defaults and cheap funding costs. But some card banks are better off than others, thanks to cardholders who shell out more interest and fees. analyzed financial reports filed by 1,300 U.S. banks to see who made the most — and the least — from their card business in 2013. (See Credit card income at 500 U.S. banks . )

The analysis found a wide spread in card income — with some big banks collecting three times as much from cardholders as their competitors. The industry generated an average yield of 12.4 cents on each dollar of card balances last year, before losses and other costs. Among the top dozen issuers, yields ranged from a high of 28.4 cents to a low of 8.4 cents per dollar of card loans.

How can some card companies charge much, much more than others?

No. 1, consumers are not doing a lot of shopping around, said Jeanne Hogarth, vice president of policy at the Center for Financial Services Innovation. And No. 2, it amazes me how insensitive consumers are to [the] price of credit.

Even people with good credit are lured into high-rate cards, when they could qualify for a cheaper deal, the analysis found. On the other hand, companies making the least from cardholders kept a lid on rates and fees that other banks use to drive profits.

Many applicants, drawn in by a card’s instant discounts or rewards, overlook its interest rates, penalty fees and other important costs — to their own detriment. When you’re looking to get a credit card, we want you to shop based on the lowest cost of borrowing, said Todd Mark, vice president of education at Consumer Credit Counseling Service of Greater Dallas.

What yields measure

Credit cards are known as one of banking’s profit centers. A group of 16 banks that specialize in credit cards had triple the industry’s average return on assets in the third quarter of 2014, according to the Federal Deposit Insurance Corp.’s Quarterly Banking Profile.

The yields calculated by are not a look at bottom-line profits. They exclude the costs of running a card business, such as marketing, customer service, fraud prevention and the cost of funds. The yields also leave out some income sources, such as the swipe fees that retailers pay. However, the yield is a good yardstick for comparing how much money each company charges its cardholders, per dollar in balances.

The chart lists 12 banks with the biggest U.S. card business in 2013. The first bar represents their average yield — cents of interest and fees they collect per dollar of balances. The second bar shows the yield after deducting money lost when cardholders default.

After Comenity and GE, the issuers with the next-highest yields are Capital One and Citibank — both of which have large store-card businesses in addition to their general purpose cards. APRs on store-card agreements are typically several points higher than rates on general-purpose cards. Wells Fargo, Discover, Chase and Bank of America were in the middle of the pack of the 12 card banks, with interest and fee income that hovered near the industry average.

Most expensive card companies

Comenity, a unit of Plano, Texas-based Alliance Data Systems, is the bank behind more than 120 store-branded cards from niche retailers such as Abercrombie, Dress Barn and ZGallerie. Although its name may not ring a bell, the bank has a long reach — with 33 million active accounts, it estimates that one in 10 employed U.S. adults carries at least one of its cards.

Mobile App Development Company – Hire Best App Developer #mobile #app #development, #mobile #application #development, #mobile #app #developer, #mobile #app #design, #mobile #app #development #company, #mobile #app #designer, #mobile #application #design, #mobile #app #design #company, #make #mobile #app, #hire #mobile #app #developer, #mobile #app #development #service



We develop and deliver Incredible Mobile Apps – iOS Android, Web Apps and Social Apps as per your aspiration.


We are known for our stunning and user-friendly App Designs striking a balance between Aesthetics and Ergonomics.


Our innovative team of experienced App Analysts, Designers and Developers work together to bring the most awesome apps and most addictive games


Don’t let your idea remain a part of your imagination. Let us make it larger than life through our expertise in building the apps that resonate.

What We Do

IOS APP DEVELOPMENT The leading team in custom iOS app development industry.

  • Experienced iOS developers
  • Swift App Design with Complete Scalability
  • Smooth Functionality ensured with A/B Testing
  • Adherence to Apple Store Policies

Read More

ANDROID APP DEVELOPMENT Development of captivating and user-friendly Android Custom Applications is our forte.

  • Ensuring Compatibility with Diverse Screen Sizes
  • Smooth Functionality ensured with A/B Testing
  • Optimizing for Peak Performance on all prevailing android OS versions
  • Ongoing Support and maintenance.

Read More

Facebook APP DEVELOPMENT Get the top social media application developers in the industry on your side to make your brand go viral.

  • Tailor-made Apps to generate more social buzz
  • Extensively tested for smooth user experience
  • Integration with other social media platforms such as Twitter LinkedIn
  • Compliance with the applicable social media policies

Read More

Game DEVELOPMENT If addictive and engaging online games is what you need, APPAUSTIC’s experienced game development team is here to help.

  • Engaging gameplay with high repeat user rate
  • 2D, 3D and Isometric games for iOS, Android and Facebook.
  • Integration with social media for increased virality.
  • Ongoing Support Maintenance

Read More


With a mobile application project with a narrow deadline dangling over our heads, we opted for APPAUSTIC on recommendation of a fellow professional. I am thankful I did so, as the project was completed within the communicated and promised deadline with impeccable execution and beautiful designs. I am a fan of their work and how they work!

Susan Summers CEO – Winston Telecommunications

It is always a great experience working with people at APPAUSTIC. With regular updates and continual interaction throughout the development process, we are always in the know of level of completion and recommended changes are timely made. The end result is simply marvelous with pleasing design and user friendly interface. I am a delighted client since 2007 and continue to be one!

Peter E. Davidson Marketing Manager – LB Solutions LLC

Thanks to the team of ingenious people at APPAUSTIC for the successful execution of Virtual Tour App. Your team’s attitude and aptitude is truly exceptional! So Glad that we chose to work with your company for this project!

Winona Ridley Communication Manager – Loyola Museum

The project asssigned to APPAUSTIC was completed wonderfully with timely execution and positive feedback from the client. Good work Team APPAUSTIC. Look forward to keeping this professional relationship foster further!

Stephen Moore Project Lead, Collins Digital

Appaustic Can Optimize Your Revenues by Creating Best Mobile App for Your Business

The rapid growth in the use of smart phones, provide great opportunity for business to increase their revenue by investing in mobile apps. The incredible development in the functionalities of smart phones, make it possible for users to purchase almost all products via smart phones. This amazing functionality creates opportunity to increase revenue, by mobile app development.

Today mobile app is the key to attract new customers and also helps in retaining the existing customers. Appaustic is the leading Mobile application development company which has develop hundreds of mobile apps for their clients, which simplified their business processes and also increased their revenues. If you want a best mobile app for your business, Appaustic can provide you the best platform.

Appaustic – The Premier Mobile App Development Company

The best mobile app developers’ team at Appaustic play a vital role in making Appaustic a premier mobile application development company. We deliver precisely what the customers need and help their business to grow. The expertise of our mobile app designers and their best execution strategy for mobile app developments ranked us among the best mobile app companies.

Our mobile app developers are well qualified, and are capable to develop mobile apps for all platforms, that’s includes, Android, Windows and Blackberry. This helps us to maintain our reputation as a leading mobile application development company. Our mobile app designers keep them updated with the latest trends of the industry. They are well always aware with the latest trends in the industry, and their ability make us the top Mobile app development company. By using latest tools like HTML5, JavaScript, OpenGL and SQLite; our mobile app developers create best mobile experiences for the users which proves valuable for our clients.

Our proficient mobile app designers are also well aware with different programming languages and latest happenings in the field of mobile application development, that’s contribute to our development as a top mobile app development companies. The skills and expertise of our mobile app developers satisfies our clients beyond their expectations, and they rate us as the most popular mobile application development company.

How Our Developers build Such Marvelous Mobile Apps

Smart phones have become the vital part of people life. According to some latest researches, now day’s people spend their major day time in using different mobile apps. During the process of mobile app development, our designers thoroughly analyze the requirement of clients, and also various factors which can affect the usability of the mobile app. During the development phase, our mobile app developers, keep interaction with the clients, and get their feedback regarding ongoing development of their app, this ensure the perfect execution of the mobile app.

These practices helps us in creating the best mobile apps, and rank us as a leading mobile app development company. The best mobile app designers of Appaustic maintain the same method of developing innovative, user-friendly, and creative mobile applications, for all platforms, like Blackberry, Windows, is or Android. Best practices of our well experienced teams, improves the development process of the mobile app, and bring us in the list of high rated mobile app development companies.

By building numerous mobile applications, Appaustic knows all the requirements that apps must have to get featured on Apple Store or Google Play. We love our process of app development of what we do, so our mobile applications be superlative and satisfying to our clients. We develops app that can be your ultimate solution to grow to new heights. Appaustic as one of the best mobile app company, focuses on user satisfaction and this quality is what made us best among others.

Wedding Hair – Makeup Artist Training Courses in London #makeup #artist #training #london, #london #makeup #courses, #make #up #courses #in #london, #make #up #artist #courses #london, #makeup #course #london, #makeup #courses #west #london, #makeup #training #courses #london, #makeup #artist #courses, #hair #and #makeup #courses #london, #wedding #makeup #courses #london



At London Makeup Institute we hold small interactive classes to ensure that our students gain the very best understanding and knowledge in a short time. Though our classes are intense, the way they have been structured is so our students can embrace the skills and techniques they are being taught. We have a maximum of 6 people per class in order to ensure all our students get the desired attention they require from the tutor as often as they need.


We completely understand that in order to learn make-up you need to physically be able to interact with your tutor, we also appreciate sometimes it can be impossible for one to take time out of their schedule to make that commitment. We have created an online course that will blow you away. Our courses are LIVE and not pre-recorded, you will have full interaction with your tutor. If your too busy to attend, we will send you the recording and you can watch and learn at your own leisure. You will also receive full support.


London Make-up Institute welcomes students from all around the world. We have now offer bespoke, tailor made courses for individuals who require a course to cater for whatever they would like to learn. Whether they are already a working make-up artist, and would like to add to their skills, refresh their knowledge or someone who is visiting from a far and would like to cover more in a shorter space of time. We can design a course that is right for you.

Master Makeup

Whether you are already a Make-up artist looking to becoming of professional status or a complete beginner, we have the perfect course for you! With an option of classroom, online or custom designed courses, we can deliver the perfect qualification to our students regardless of their experience, location or stature.

London Makeup Institute is renowned for being an Award Winning Makeup school with professional makeup training centre in London, Dubai and plans to open in Los Angeles later this year. LMI was founded by Celebrity Makeup Artist, Entrepreneur and YouTube Guru – Uzma Yakoob. Working in the fashion industry for nearly two decades, Uzma has worked with the biggest names in media, fashion and as well as celebrities.

LIVE Online Courses

We completely understand that in order to learn make-up you need to physically be able to interact with your tutor, and though we do recommend that a classroom or physical course is one of the best ways of learning make-up, we also appreciate sometimes it can be impossible for one to take time out of their schedule to make that commitment OR they may be located in a different country so it is physically impossible for them. We have created an online course that will blow you away. Our courses are LIVE and not pre-recorded, you will have full interaction with your tutor. If your too busy to attend, we will send you the recording and you can watch and learn at your own leisure. You will also receive full support and classroom time with your TA.

Structured to create perfection

We completely understand that in order to learn make-up you need to physically be able to interact with your tutor, we also appreciate sometimes it can be impossible for one to take time out of their schedule to make that commitment. We have created an online course that will blow you away. Our courses are LIVE and not pre-recorded, you will have full interaction with your tutor. If your too busy to attend, we will send you the recording and you can watch and learn at your own leisure. You will also receive full support.


Probably the most important part of your journey, we always start this way so you can gain a great foundation to the way you should be working. You will be learning about Health Safety, Hygiene and other very important information you will need to understand and learn in order to gain your Accreditation.


The duration of your course will be practical, whether it be in a classroom, one to one or online. However we pump a lot of information your way whilst you will be watching practical presentation. You will be covering a wide range of styles, looks and skills depending on the course you are taking.


Most of our professional courses conclude with a photoshoot organised by our team. This is a day where you will conduct your own shoot, from make-up to styling, its all your own work, however we are there to help and assist you. London Make-up Institute will provide everything you need including the Model Photographer.

Ask the Expert: Does mortgage insurance make sense? Dec. 19, 2003 #military #loan

#loan insurance

By Walter Updegrave, CNN/Money contributing columnist

NEW YORK (CNN/Money) – I am being offered mortgage protection insurance. Is it worth the cost?

— James Lawrence, Tampa, Florida

Before I answer your question, let’s be sure we’re both talking about the same type of mortgage insurance. There are actually two kinds, and they provide very different types of coverage.

First, there is the type known as private mortgage insurance, or PMI as it’s known in lending circles.

If you are buying a home and putting up a downpayment of less than 20 percent of the home’s value, then generally you don’t have a choice of whether to buy this type of insurance. The lender requires it.

Why? Because PMI isn’t there to protect you — it’s there to protect the insurer in the event you default on your home loan and the lender isn’t able to re-sell your home for enough money to pay off the mortgage.

The cost of PMI varies, but a rule of thumb is about one half of one percent of the loan amount.

So if you’re buying a house for, say, $150,000 and putting 10 percent down ($15,000), the annual cost of PMI on your $135,000 mortgage might run $675 a year, or $56.25 a month.

In years past, some lenders would continue to collect PMI premiums even after the mortgage balance had fallen to well below 80 percent of the home’s original value. But Congress passed the Homeowners Protection Act of 1998, which allows homeowners to request that the lender cancel PMI when the mortgage loan-to-value ratio falls to 80 percent and requires the lender to cancel it when the ratio falls to 78 percent.

By the way, appreciation in the home’s value isn’t taken into account in calculating this ratio — only the decline in the mortgage balance counts.

There are also some other qualifications that may affect your ability to cancel PMI. For more on what the bill requires of you and the lender, click here.

Mortgage life insurance

The second type of mortgage insurance is the type that usually goes by the name mortgage life insurance.

Here, you’re being offered the chance to buy an insurance policy that will repay your mortgage in the event of your death, disability or some incapacitating disease.

This offer — typically by mail — often comes from your lender or an insurance company affiliated with that lender.

This type of insurance is purely voluntary, however, so the question is, should you buy?

Generally, I’d say the answer is no.

It rarely makes sense to buy insurance for narrow reasons — to insure against a specific disease or a single calamity or to provide funds to pay off a single liability, in this case your mortgage.

In the case of life insurance, for example, you’re much better off analyzing your overall insurance need based on what kind of liabilities your spouse or other dependents would face and how much income they would have to replace if you were gone, and then buying enough insurance to meet that need.

Fact is, if you died tomorrow, your dependents would need to replace your income for a variety of reasons, not just to pay the mortgage.

Indeed, it might not even make sense to pay off the mortgage. Your spouse or other survivors might be better off continuing to pay the loan — assuming that’s possible — and putting insurance proceeds to other purposes.

In other words, you should take your overall financial picture into account when buying life insurance.

And the way you should do that is to have a financial planner or life insurance agent perform what’s known as a “needs analysis.” You can also use any one of a number of insurance needs calculators online, including the calculators at The Life and Health Insurance Foundation for Education site and TIAA-Cref site.

Of course, that leaves the question of what type of insurance you should buy — whole life, term, etc. — and the issue of how to shop for the best price for a policy.

For more on those topics, see a column I wrote last year called “Life insurance made easy .”

The same goes for disability insurance. You should consider a long-term disability insurance policy not just because you have an outstanding mortgage, but because you would likely need to generate income for a variety of reasons even if you were disabled and unable to work. For more on choosing a disability policy, click here.

Make An Easy Website Builder – Make An Easy Website Builder – Make Your own Website #make #a #website,build #a #website,make #your #own #website,web #site #builder, #build #a #web #site, #make #a #web #site, #create #a #website,web #design,web #site #design,easy #website #builder,website #hosting,make #an #easy #website,free #website,easy #website #creator,website #hosting,real #estate #website, #how #to #make #a #website, #free #trial #website, #


Make Your Own Website

Make a website with our easy website creator. We make building your website a snap with our ecommerce solutions, unlimited web pages, shopping cart, search engine submission, message boards, 100s of templates and logo designs. banner rotators, password protect and more. No setup fees!

Whether you are a small business looking for a quality service, part of the work at home community or wanting a personal website, Make An Easy Website Site Builder is for you!

Why pay for expensive website design when you can Make Your Own Website yourself at a fraction of the cost? We aren’t a cookie cutter service. Our website creator allows you to build a website that is both dynamic and professional.

Our website builder is so advanced that you can.

Customize with the Click of a Mouse.

Add HTML, Javascript, Flash Animations and other advanced code and file formats.

Customize Colors and Images. Create a Logo – Upload Images.

Add Product Images/Catalog and Shopping Cart.

Add Chat Rooms, Message Boards, Polls, Feedback Forms, Calendars, Banner Rotators, and more.

  • Add Unlimited Pages at No Additional Cost.
  • Add RSS Feed
  • Add Music, Video, Audio
  • Add Google Analyticals
  • Nothing to download! Create Your Own Website with our 100 plus design templates which can be changed at anytime. Complete your website in a matter of hours/days instead of weeks or months.

    Click Here to Build a Website

    Best Web Tool 2011

    Make An Easy Website has been awarded and recommended as a top rated website builder by Web Hosting Search who also provides reviews of the best web hosts on the internet.

    Make an Excel Loan Calculator – Tools and Formulas #emergency #cash #loans

    #student loan calculator

    Excel Loan Calculator

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    Running numbers is easy with an Excel loan calculator. Microsoft Excel includes built-in tools and formulas so you can get information quickly. The Excel loan calculator shows all the details about your loan, and helps you figure out how to repay it early.

    Creating an Excel Loan Calculator

    Continue Reading Below

    1. In Excel, right-click on the tab of sheets at the bottom ( Sheet1, Sheet2, etc ).
    2. Select Insert
    3. In the popup box, choose the Spreadsheet Solutions tab
    4. Double-click the Loan Amortization option

    You can also use the File menu and click New. Then, look for Templates On my computer. (it might also be in Sample Templates ).

    Using the Excel Loan Calculator

    Plug your loan’s information into the box that says Enter Values . You’ll see basic details in the box titled Loan Summary . More information on each payment appears in an amortization table below.

    What-if Scenarios

    An Excel loan calculator makes it easy to see how things (such as your payment) would change if you change the interest rate. Just change one of the values and the rest of the spreadsheet will update instantly.

    You can also see what happens if you pay more than your minimum payment. By paying a little extra, you’ll save on interest costs and pay the loan off early.

    Using Excel Loan Calculator Data

    Suppose you want to copy, paste, slice, and dice the date from Excel’s loan calculator.

    Registered Nurse Salary – Job Description > Interviews – Career Options #registered #nurse #salary, #registered #nurse #job #description, #how #much #do #registered #nurses #make, #pay, #career #options, #jobs, #career, #advices, #challenges, #opportunities, #goals, #future, #guide, #information, #options, #best #paying #careers, #good #paying #careers


    Interview with a Registered Nurse

    What do you do for a living?

    I am a Registered Nurse.

    How would you describe what you do?

    I take care of patients who are recovering from a wide range of illnesses or from recent surgery.

    What does your work entail?

    I’m responsible for making sure that the patient’s pain is under control, that they receive their prescribed medicine on time, that their vital signs are stable, that the doctor’s orders are being followed and I act as a liaison between the doctor and the patient’s family.

    What is a typical workweek like for you?

    I work three, twelve-hour shifts and I’m stuck on night shift right now. The night shift is really hard. The money is good but the rest of your family is scared to call during the day because they’re scared that I’ll be sleeping. But you kind of get used to it and then eventually you get to work days. So I work 3-twelve hour shifts that usually end up being about 13 or 14 hours because you have to stay late sometimes to finish charting. It ends up almost being a 40 hour work week.

    How did you get started?

    I actually started by going to college and getting a psychology degree and with that degree I was only able to get a job as a receptionist.

    I knew a psychology degree doesn’t really do anything unless you go for your PhD or Masters so I really wanted to help people but I didn’t feel like I was really getting that opportunity and my sister was in nursing school and loved it so I went too.

    I went to a school that offered a one year accelerated Bachelor’s degree in nursing program.

    It was twelve months because I had already had my Bachelor’s degree. I didn’t have to take all the other classes and so I got a second Bachelor’s.

    It was a crazy year. It was probably the most difficult year of my life but it was worth it.

    What do you like about what you do?

    The best part is seeing patients get better and knowing that I played a small role in that. We get a lot of patients who are in a lot of pain after their surgery which can be pretty stressful trying to get their pain under control. But once they’re comfortable and smiling it does feel really good to know that I helped them out.

    What do you dislike?

    I wish I had a lot more time to spend with my patients. There are some busy nights where I’ll run into a room to see something and my patient wants to tell me a joke or a story about her grandkids and it absolutely breaks my heart to have to interrupt them and leave because the patient in the room down the hall is throwing up and another patient is crying in pain and another patient has to go to the bathroom. So there’s sometimes that there is so much going on that I feel like I can’t give my patients the attention that they desire and that I want to.

    How do you make money or how are you compensated?

    Nurses are all hourly so they’re not a salary. It’s not a salary position unless you’re in management.

    How much money do you make as a registered nurse?

    In Kansas City it seems like most hospitals for new graduate nurses start around $21 or $22 an hour and then every year the salary goes up by a little bit less than a $1 a year. I’ve been a nurse for 5 years and I’m making $26 an hour.

    Hospital nurses tend to make more than other types of nurses. At doctor’s offices they only make like $18 or $19 an hour even if you are a registered nurse. So you definitely get more in the hospital and then hospitals usually pay night shift workers a shift differential which for me is $3 an hour so I get my base pay and then for the night hours I get $3 more an hour and I also get additional pay. If it’s a weekend you get $2 an hour extra.

    How much did you make starting out in this career?

    I started out at $22 an hour maybe but that was in TX.

    What education or skills that are needed to be a Registered Nurse?

    Most hospitals require a registered nurse degree but you can do that two ways. There’s actually a Bachelor’s degree which is called a BSN and some hospitals prefer that and pay more; other hospitals don’t distinguish between a diploma nurse, which is an RN without the Bachelor’s, and the Bachelor’s.

    What is the most challenging about what you do?

    The patient load and the severity of their sickness.

    If I have five patients and I have one patient who demands a lot of time because they’re in a lot of pain or they’re really sick then my other four patients might not get the attention that they deserve. So I’ve learned time management skills are just absolutely critical and even then sometimes I’ll have my whole night figured out and something will come up and throw everything off. So it’s definitely a skill learning to prioritize and juggle my plans for the night I guess. That takes a long time to learn.

    What is the most rewarding for you?

    The patients, just getting to know the patients and their families and seeing them get better.

    What advice would you offer someone that’s considering this career?

    The best advice I could offer would be to contact a hospital in the area and see if there’s any way that you can shadow a nurse for a full shift because I think that a lot of people watch TV shows and see doctors doing all the work and they think that’s the way things actually are and it’s not like that. Nursing is a very, very physical job. It’s a lot of thinking and it’s a lot of work. I love it but I’ve met a lot of people who I think if they would have actually seen what it was really like before they went to school that they might have chosen something different.

    I don’t want to sound discouraging by any means but I think it’s a good idea to actually shadow someone to see what it will be like.

    How much time off do you get or take?

    Well we technically have a 12 hour shift. It’s only three days a week so every week you get four days off and then it seems like hospitals give you a lot of paid time off because you don’t get holidays paid. With most jobs you get paid when you don’t have to work on a holiday but hospitals they’re open every day all day so you sometimes have to work holidays so we do rack up a lot of paid time off and so it just seems like occasionally I’ll be able to take a day or two off which is really nice.

    What is a common misconception that people have about what you do?

    That nurses just give medicine and they don’t do much else.

    What are your goals or dreams for the future?

    I guess to eventually to try different areas of nursing and just see what is all out there because that’s one of the best things about nursing, there are so many different areas that if you get bored with something or something isn’t the right fit you can try a different specialty, or you can go from being a floor nurse to an operating room nurse and it’s almost like a different profession. So you have a lot of options I guess. In the future I would like to try out different things and see what the best fit is for me.

    What else would you like people to know about what you do?

    That’s a good question. To be nice to their nurses! No, I’m kidding. It’s a very rewarding job, you learn a lot, it’s constantly evolving, that people should only go into nursing if it’s their true passion.

    And that if you really do want to help people and you are interest in medicine that it is a very rewarding and exciting career.

    Make a First Aid Kit #first #aid #kits, #first #aid #kit, #first #aid #kit #supplies, #first #aid #kit #contents, #how #to #make #a #first #aid #kit


    A well-stocked first aid kit is a handy thing to have. To be prepared for emergencies:
  • Keep a first aid kit in your home and in your car.
  • Carry a first aid kit with you or know where you can find one.
  • Find out the location of first aid kits where you work.

    First aid kits come in many shapes and sizes. You can purchase one from the Red Cross Store or your local American Red Cross chapter. Your local drug store may sell them. You can also make your own. Some kits are designed for specific activities, such as hiking, camping or boating.

    Whether you buy a first aid kit or put one together, make sure it has all the items you may need:
  • Include any personal items such as medications and emergency phone numbers or other items your health-care provider may suggest.
  • Check the kit regularly.
  • Check expiration dates and replace any used or out-of-date contents.
    The Red Cross recommends that all first aid kits for a family of four include the following:
  • 2 absorbent compress dressings (5 x 9 inches)
  • 25 adhesive bandages (assorted sizes)
  • 1 adhesive cloth tape (10 yards x 1 inch)
  • 5 antibiotic ointment packets (approximately 1 gram)
  • 5 antiseptic wipe packets
  • 2 packets of aspirin (81 mg each)
  • 1 blanket (space blanket) [Available on the Red Cross Store]
  • 1 breathing barrier (with one-way valve)
  • 1 instant cold compress
  • 2 pair of nonlatex gloves (size: large)
  • 2 hydrocortisone ointment packets (approximately 1 gram each)
  • Scissors
  • 1 roller bandage (3 inches wide)
  • 1 roller bandage (4 inches wide)
  • 5 sterile gauze pads (3 x 3 inches) [Available on the Red Cross Store]
  • 5 sterile gauze pads (4 x 4 inches)
  • Oral thermometer (non-mercury/nonglass)
  • 2 triangular bandages
  • Tweezers
  • First aid instruction booklet [Available on the Red Cross Store]

    Be ready.

    Shop the Red Cross store for emergency kits, radios, and more.

    Your Location

  • Where to Make Student Loan Payments #bridge #loans

    #student loans payment

    Where to Make Payments

    In some provinces and territories, loans are issued separately by the federal and provincial/territorial governments. That means that you could have more than 1 loan to pay back.

    If your loans were issued to you by British Columbia, Ontario, New Brunswick, Newfoundland and Labrador, or Saskatchewan

    Full-time students: You were given an “integrated” loan. In other words the money came from both the Government of Canada and your province. You will need to repay your loan through the National Student Loans Service Centre. You can see the status of your loan, update your contact information, change your monthly payment amount and apply for the Repayment Assistance Plan by registering for the NSLSC s On-line Services .

    If you received loans before August 2000, you may also have Canada Student Loans or provincial loans at a bank. See Special Circumstances .

    If your loans were issued to you by Alberta, Manitoba, Nova Scotia or Prince Edward Island

    Full-time students: You ll be making payments on 2 loans: a federal student loan and a provincial student loan. That means you ll have to stay in touch with at least 2 loan providers.

    • The federal student loan is managed through the NSLSC. This is where you will send your payments.
    • The provincial loan will be repaid through your province or 1 of the provincial loan service providers. Visit the Web site of your provincial student assistance office to discover the process or where to get help.

    If you received loans before August 2000, you may also have Canada Student Loans or provincial loans at a bank. See Special Circumstances .

    If your loans were issued to you by Quebec, Nunavut or Northwest Territories

    You repay your loan through the student assistance office of your province or territory of residence. Your province or territory doesn t participate in the federal Canada Student Loans Program and as such operates its own student assistance plan which is partly funded by the federal government.

    If your loans were issued to you by Yukon

    Full-time students: You received a Canada Student Loan. Yukon doesn t offer a territorial student loan program. You ll manage and repay your loan through the NSLSC .

    If you received part-time student loans

    You applied for and will be repaying a part-time Canada Student Loan. You ll manage and repay your loan through the NSLSC.

    Special circumstances

    You must contact the loan holders and arrange to repay the loans directly to the financial institutions that issued them if you received:

    • a Canada Student Loan before August 1, 2000;
    • an Alberta Student Loan before August 1, 2000;
    • a British Columbia Student Loan before August 1, 2000;
    • a Manitoba Student Loan before August 1, 2000;
    • a New Brunswick Student Loan before August 1, 2000;
    • a Newfoundland and Labrador Student Loan before August 1, 2000;
    • a Nova Scotia Student Loan before August 1, 2000;
    • an Ontario Student Loan before August 1, 2001;
    • a Prince Edward Island Student Loan before August 1, 2000;
    • a Saskatchewan Student Loan before August 1, 2001; or
    • a Yukon Student Loan before August 1, 2000.

    Date modified: 2013-07-23

    Consolidate loans from multiple lenders to make one affordable monthly payment. #direct #loan #consolidation

    #consolidate loans

    Loan Consolidation

    About Federal Student Loans

    If you make more than one monthly student loan payment, you may find life easier with one affordable payment. A Direct Consolidation Loan brings all of your federal student loans together with a fixed interest rate. The rate is determined as an average of the loan rates that are being consolidated (rounded up to the nearest one-eighth percent).

    Consolidation gives you up to 30 years to repay your loan, depending on your loan balance. Though increasing the repayment period also increases the total amount of interest you will pay over time, you can always pay more than the minimum due with no penalty.

    Most federal student loans, including subsidized and unsubsidized Direct and Family Federal Education Loan Program (FFELP) Stafford and PLUS loans, are eligible for consolidation. Private education loans are unfortunately not eligible to be consolidated.

    If you have any questions about consolidation or need assistance, please call us at 866.426.6765.

    How to Apply

    Apply online for a Direct Consolidation Loan here. You will need your PIN, which you can get at You can choose your servicer and your application will be forwarded to your new servicer for processing. The consolidation process will take approximately 30 days after your application is received.

    Once your Direct Consolidation Loan is completed, the servicer you have chosen will provide your customer service—answer your questions, discuss your repayment options, and process your payments.

    Adding Loans to Your Direct Consolidation Loan

    After your new Direct Consolidation Loan is complete, you still have the opportunity to add additional eligible loans. If you would like to add other eligible loans, your servicer must receive your Request to Add Loans Form within 180 days from the date your Direct Consolidation Loan is completed (originated). Please note that if you have more than six loans to add to your consolidation loan, you will need to submit more than one Request to Add Loans Form.

    If your Direct Consolidation Loan is serviced by Nelnet, you may request to add other eligible loans to it by completing this form and mailing it to: