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5 low cost business ideas to start at university: Starting a business advice and

#business ideas for college students

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5 low cost business ideas to start at university

Some of the world’s most famous entrepreneurs started businesses while at university; Mark Zuckerberg, Bill Gates, Sergey Brin, Larry Page – the list goes on – so what’s stopping you from starting up whilst studying?

According to recent research from Santander. over 80,000 UK university students currently run businesses while studying and collectively generate turnover of over £44m. Impressive to say the least. What’s more, over a quarter of this number plan to turn their businesses into a full-time career upon graduation.

Action point: Need a loan to start a business of your own? See how we can help here and here

Dubbed “student start-ups”, budding young entrepreneurs are maximising on being within the university environment to launch a start-up and fund their education, pursue interests, and gain “invaluable work experience as a result of their entrepreneurial ventures”.

A report from Direct Line for Business also emphasised the fact that entrepreneurialism is alive and kicking in UK universities. It found that more students than ever before are now starting businesses, with popular undergraduate start-ups ranging from creative businesses like clothing design, to hospitality and events promotion and tech-focused firms such as software development.

And it would seem that there has never been a better time to start a business while at university, if the growing number of initiatives to encourage student entrepreneurs are anything to go by.

Earlier this year, Europe’s largest student start-up event opened in Liverpool hosted by the National Association of College University Entrepreneurs (NACUE), Mercia Fund Management launched a tax efficient fund for university spin-outs, and a number of universities have been actively doing their bit to promote enterprise. For instance the University of Southampton recently held a student hackathon to find great software concepts.

With 2015 a golden age for student entrepreneurs, we’ve compiled a guide to five of the top low-cost businesses to start at university, including case study examples from a number of high-profile university entrepreneurs that have scaled their ideas into successful businesses.

To help you get your university venture off the ground, you’ll also find a handy summary of the funding and support that is available to student and young entrepreneurs in the UK.

Click the buttons above or below to find out more about the best low cost business ideas to start while at university…

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New Business Ideas with low investment in India #secured #business #loans


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Business Ideas with Low Investment in India

There is a familiar belief that starting a business needs a huge amount of investment. This is not the case for every type of business. You can run businesses with low investment, even from your home. India is a land of many opportunities. You can start a business in India with a nominal amount of investment and grow your business. Given below are some profitable small business ideas, with low investment, in India.

List of Best Low Investment Business in India

Home canteen

Running a home canteen is an excellent idea for a business with low investment. You can cook different types of tasty food and supply them to offices, factories, and other customers. Of late, the business of cooking and food supplying has garnered significant popularity and it is a profitable small-scale business. The success of your home canteen will depend on providing quality food and giving timely service.

Dance Instructor

You can work as a dance instructor and this does not require a whole lot of money. You can open your own school or work as a freelance dance instructor. Since dance forms an integral part of Indian culture, many parents like their kids to learn dance from a very early age. Therefore, there are plenty of opportunities for a dance instructor to earn both fame and money.

Fashion designing

You can work as a fashion designer and start your business venture with a low investment. For this, you will need to undergo a full time or part time course on fashion designing. Start with traditional Indian clothes since they are the most sought-after outfits at the present time.

Data Entry jobs

Data entry jobs do not ask for a big amount of investment. If you have a computer at home and Internet connection, you will get a host of data entry jobs by sitting at your home. Data entry jobs are outsourced to freelancers and other organizations so it is not so difficult to grab a project. However, you should remember that you have to finish the task within a certain time period. Filling up forms online is a popular example of data entry jobs on the Internet.

Affiliate Marketing

Affiliate marketing is the method of merchandising the goods and services of another organization on their behalf. Here you work as the affiliate of that organization. Whenever you sell a product, you will be entitled for a commission. The amount of commission will depend on your agreement with the company whose products you are selling.

Web Development

Like other small investment businesses, starting a web development company is possible without a huge amount of investment. If you are familiar with web development processes, you can start a business on your own with a PC with Internet connection and software. Once your business reaches a sizable scale, you can employ a few web development professionals who can run your business adeptly. The most difficult part of this business is getting projects. You have to obtain projects constantly for sustaining your business.

Home Made chocolates

Making chocolates in your home is a moneymaking business. You just have to get the ingredients that are essential to make chocolates at home. After preparing the chocolates, pack them with fancy wrappers to add creativity and make them more attractive.

Event management

Event management is a cost-effective business option for people who are interested in organizing different types of events and functions.

Wedding consultant

Weddings are big events in India and take a lot of time. You can work as a wedding consultant to make things simpler and manage them for people who just don’t have the time to do it for themselves.

Industry/factory tour planner

You can open a business for an industry/factory tour planner with a small amount of investment. Start an agency which will conduct industry or factory trips. Hire a small number of people who are experienced in the job of factory tour guides. Look for contracts from companies that are looking for industry/factory tour planners. This will take some time in the initial stages. However, when the contracts keep flowing in, you will start making money gradually.

First aid instructor

If you have sufficient knowledge regarding first aid, you can start working as a first aid instructor. There are abundant opportunities for first aid instructors in schools, colleges and various educational institutes. You can work either as a full time or part time first aid instructor. Purchasing a first aid box is necessary for this business.

Art and crafts

You can open an arts and crafts stall. Though this type of a business venture requires some more investment than the so-called low investment business options, it is definitely a lucrative venture. There are many people in India who are ardent art and handicraft collectors and they constantly look for these items. They can pay any price for their favorite item. So, think about opening an art and crafts shop right away. You can get a bank loan for this business venture from various financial services providers and banking institutions in India.

Daycare Center

Daycare Center is an excellent business choice which necessitates a trivial amount of investment. The most attractive part of this business is that you can do it from your house. In addition, there is no requirement to make a huge investment on infrastructure. The things you have to purchase include books, toys, and games for the kids. The other things are there in your home. Nonetheless, you might have to redesign your home as per the requirements of the kids. A number of safety measures need to be adopted such as keeping electrical devices in a place which is inaccessible to the kids and meshing the veranda.

Consultation

Consultation is a good business choice to start with a nominal amount of investment. You can work as a financial consultant or a real estate consultant if you have the requisite qualifications and expertise. As a financial consultant, you can guide people on doing the right investment at the right time. As a real estate consultant, you can help people in buying and selling of real estate. Other types of consultancies such as architectural and home design consultancies are gaining popularity.

Child Care

Running a child care unit is also a lucrative business option. However, you have to ensure that you have got the infrastructure and facilities to run a child care center at your home. Remember that you have to be extensively trained in first aid to run a child care center.

BPO

BPO or business process outsourcing is a profitable business in India. Under this process, the responsibilities and functions are contracted to a third party. You will find lots of outsourcing jobs on the web. If you have a PC at home with Internet connection, you can turn it into a home-based business by procuring BPO jobs. Some of the popular BPO jobs include medical transcription and data entry jobs.

Bookkeeping

You can run bookkeeping or accounting business from your home. If you are well acquainted with bookkeeping, accounting processes, and accounting standards, you can look for bookkeeping jobs that can be done from your residence. You need a computer with Internet connection and some accounting software packages that you need to install in your PC.

Mobile repairing

The mobile repairing business is also a moneymaking business. Since mobile phones have become an integral part of our day to day life, servicing and repairing mobile is essential whenever a problem occurs. You have to hire experts who have the understanding of the ins and outs of mobile and cellular phones.

Computer repairing

Similar to mobile repairing, computer repairing can help you make money. You can run this business from your home. Knowledge of computer hardware and kits for servicing computers are the necessary resources for this business.

Which Business is Good to Start in India


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Top 10 Low Overhead Cottage Industry Small Business ideas #stock #market #update


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Are you planning to go home based while earning a significant sustainable income? If yes, then below are the top ten low overhead cottage industry ideas you can start today .

Starting a small business from home is cool. At least, it gives you the freedom to work anytime you want—from anywhere and at any point in time. I am going to be really conversational in this post, so I want you to play along with me.

A cottage industry can include anyone who’s working from home selling or offering product or services. In this present age, you can make a full living operating your own cottage business right from home Without mincing words, bellow are eleven super cool, money making cottage industry business ideas:

Top 10 Low Overhead Cottage Industry Business ideas

What You Need to Consider Before Starting a Cottage Business

Though, starting a home cottage business sounds like a good idea. Of course, it’s profitable and flexible but there are many things you have to put into consideration before starting. I suggest you take your time to test the waters before going fully into the business…

Are you good at writing or designing? Or, do you love soap making, editing or completing surveys. There are lots of cottage businesses you can start but you need to first review your talents, and identify what you like doing!

Exclusive Cottage Business Ideas…

Content mills like iwriter, Elance and Guru.com are looking for professional writers to help with content writing. 3years ago, while building my online business, I worked as a freelance writer on iwriter.com and generated a monthly profit of $300 — $500. For content writing, you should have a portfolio and samples to prove to clients that you are worth hiring!

Seriously, there’s so much money to be made online. This young boy: Bamidele Onibalusi generates a monthly profit of $5,000 working from home, spending just 5 hours daily, writing articles… With content writing, your possibilities are limitless. You too can quit your day job and start earning $8,000 writing just like Tom Ewer .

Tip: Remember, no one is born a great writer. Practice makes perfect. Join writing portals like Constant Content, Ehow, Squidoo, Blogging.org and Yahoo’s associated content to start earning today!

Are you good at teaching Mathematics or playing musical instruments or you have a talent in teaching different foreign languages. If you answered YES to the above question, then you can actually make money by starting a tutoring business

People are willing to pay to learn how to speak Chinese, type, dance, sow, cook, write or prepare foreign foods. If you are good in any of these topics, you could start up a blog or market yourself in your local newspaper.

People who are willing to learn these things will gladly pay you as long as they get the value for what they paid for. To get started, you can offer to teach for free to build reputation. Don’t start out big. Offer tremendous value and don’t expect to charge much. You could offer to teach someone to speak Chinese Language for a measly fee of $50.

Otunba Akin Alabi, the CEO of Nairabet visited China recently for business and was handed a flier by a Chinese dude. He wanted to trash the flier immediately but he tried to be polite. When he was about going into the elevator, he looked at the flier and was amazed at what he saw:

“Learn To Speak Chinese Fluently in Just 2 Weeks!’’

Now I love that. That young Chinese dude must be a smart cottage businessperson. He was offering a service that teaches foreigners how to speak Chinese! He knew they were foreigners who’re dying to learn Chinese, and would pay anything to learn it.

3. Start Making soaps

Are you good at making soaps? Or do you have flair for soap making. You can make a living by making soaps. All you need to do is to promote your soap business and collaborate with gift baskets companies to provide them with scented, soaps.

Other Cottage Industry ideas to Consider

You don’t need to be an experienced English speaker to start a proofreading business. Publishers are in need of talented proofreaders. You can actually make a living off editing if you understand the basic rules of spelling Grammar and punctuation. You can join Elance.com and Freelancer.com to get started. Or, set up a website and rank organically in the search engines.

As a final note, I am quite sure you have many home business ideas. Just remember this: an idea without corresponding action is dead. So start a low-cost cottage business that you can manage from home and I will see you at the top.

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110 Small Business Ideas With Low Investment Capital #small #business #consultant


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List of creative and unique small business ideas you can start with little capital.

Small business ideas abound around us. Are you looking for small business ideas in Hindi or India? Perhaps you are in a different region. You may be looking for small business ideas in UK, Philippines or Nigeria. We have researched various small business ideas you can start with low investment. Before you continue reading this article, let me give you a hint that it is going to be a long list of small business ideas. However, for you to make most of it, you should not just rush the article by scrolling from the top to the bottom. Even if you are looking for a specific business idea, you may stumble on other good business ideas that may catch your interest. Perhaps a particular business idea does not appeal to you, that does not mean you should not read it. Who knows whether by reading it, something may spark up in you that will lead to the birth of your own new business idea. When looking for business ideas, you need to keep your mind open. Otherwise, certain opportunities may just be passing you by. Therefore, you should be willing to read to digest and not just to have a glance at the list of the business ideas. Or else, it will be like magical words; the more you look, the less you see.

A lot of people usually ask me; what are the most lucrative small businesses to start? This article may not be able to provide specific answer to this question because the most lucrative small businesses is relative. What is considered the most lucrative small business ideas in India may not be profitable small business ideas in UK. However, from the list of small business ideas covered on this page, you will be able to identify the one that will help you start your dreamed small business. Nevertheless, list of creative and unique small business ideas discussed in the next eighteen pages is broad enough to cover the enquiries we received. You need to be patient enough in order to digest it. For people that may be willing to read in detail, I have dedicated a page within this article to help the readers come up with small business ideas they can start almost immediately.

If you are looking for small business ideas with low investment capital, affiliate marketing is probably one of the quickest and cheapest small business ideas to start making money online. The reason is that, you don’t have to create any products yourself. Your task is to link up a buyer and a seller. You will be paid a commission on the sale that has been referred by you. In some cases, you don’t need to sell products to earn a commission. We have different affiliate programs and they use different payment terms. Examples are; Pay per sale, pay per lead and pay per click. It is good home business ideas for men and women. The advantages of affiliate marketing are numerous. Few are listed below:

  • It is cost effective as you don’t need to bother yourself about production costs.
  • The market is global
  • Becoming an affiliate is free
  • Both storage and shipping are taken care by the seller
  • The seller handles customer complaints for you
  • It can be run as a side business
  • You can run the business from home

Animal Feed Production

One of the lucrative small business ideas you can consider is animal feeds production. People eat meat, chicken, turkey and eggs every day. But before it gets to that level, there is need for rearing. All these livestock require feeds for them to grow. If you can formulate a diet that combines different feedstuffs that meet the energy and protein requirements of animal, animal feed production can be a good small business idea for you. Animal feed production can be operated as home business. However, you should ensure that you don t infringe the zoning rules governing your area. You should also ensure you obtain permits before you start the business. If you are searching for small scale manufacturing business ideas, animal feed production is a small scale business idea that can grow to become a big company. Because of the associated costs involved in production, it will be good if you can get the feed ingredients at good prices. Buying in bulk can make you enjoy discounts. However, this requires money except your suppliers are ready to sell to you on credit. Getting your formula for the mix of ingredient right will result to the production of feeds that are rich in protein, energy and vitamins. These are vital basic nutritional elements a good animal feed is expected to contain. You can sell your products through distributors, wholesalers or retailers. You can even sell directly to local farmers.

If you are good at child caring, babysitting can be among the list of small business ideas you can consider. Why should you consider this as a business idea? It is because of the unique advantages it has over other small business ideas. These include the following:

  • It is not seasonal
  • It is recessional-resistant
  • It is business idea you can start without investment
  • It is a good home business

Baby sitting is a good home business idea for women and teen. Nevertheless, it is important that you consider the responsibilities involved and the consequences before you start this business. As a babysitter, you will be responsible for a change of diaper, bathing and the safety of the baby. Therefore, you need to prepare yourself before hand. Also, you need to determine the kind of kids you will be comfortable with. Can you look after newborns or kids with special needs? It is important that you ask necessary questions before you accept a babysitting job. As a beginner, you can secure your first sitting job by telling people within your neighbourhood about your new business idea. Kids can be very playful and sometimes annoying. Therefore, you need to be an entertainer. You don t need to have all the skills required before you start the business, you will learn from parents and other babysitters as you go on.

If you are good at baking cake, bread or donuts, you will not only gain satisfaction, you can turn it into a money making venture. This is among small business ideas one can start as home business. There is growing need for baked products. Many people like eating freshly baked food but in actual fact, many of them don t know how or have time to bake it. Baking is one of the small business ideas with low investment capital. You don’t need extra capital to rent a space. It is flexible enough. However, except you already have the equipment needed for your new business idea, you will need to buy appliances like ovens, refrigerators, pans and other utencils. You can decide to run it as a counter service bakery where individuals can walk in and pick baked products. Alternatively, you can make it a specialty service. In this case, you need to specialise on a particular kind of baked product. If you can establish yourself as a specialty, people and bigger eateries will start contacting you for business. As your baking business begins to grow, you will need to start producing in larger quantity. If you want to sustain the growth, it is advisable that you don t compromise on quality. Also, getting adequate feedbacks from your customers will help you ensure that you are meeting their needs. As long as you maintain the quality of your products, people will continue to patronize you. Baking requires a lot of time both in production and marketing. Therefore, you need to know the right time you need to hire a staff to assist you. We classify baking among home based small business ideas for women.

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5 low cost business ideas to start at university: Starting a business advice and

#business ideas for college students

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5 low cost business ideas to start at university

Some of the world’s most famous entrepreneurs started businesses while at university; Mark Zuckerberg, Bill Gates, Sergey Brin, Larry Page – the list goes on – so what’s stopping you from starting up whilst studying?

According to recent research from Santander. over 80,000 UK university students currently run businesses while studying and collectively generate turnover of over £44m. Impressive to say the least. What’s more, over a quarter of this number plan to turn their businesses into a full-time career upon graduation.

Action point: Need a loan to start a business of your own? See how we can help here and here

Dubbed “student start-ups”, budding young entrepreneurs are maximising on being within the university environment to launch a start-up and fund their education, pursue interests, and gain “invaluable work experience as a result of their entrepreneurial ventures”.

A report from Direct Line for Business also emphasised the fact that entrepreneurialism is alive and kicking in UK universities. It found that more students than ever before are now starting businesses, with popular undergraduate start-ups ranging from creative businesses like clothing design, to hospitality and events promotion and tech-focused firms such as software development.

And it would seem that there has never been a better time to start a business while at university, if the growing number of initiatives to encourage student entrepreneurs are anything to go by.

Earlier this year, Europe’s largest student start-up event opened in Liverpool hosted by the National Association of College University Entrepreneurs (NACUE), Mercia Fund Management launched a tax efficient fund for university spin-outs, and a number of universities have been actively doing their bit to promote enterprise. For instance the University of Southampton recently held a student hackathon to find great software concepts.

With 2015 a golden age for student entrepreneurs, we’ve compiled a guide to five of the top low-cost businesses to start at university, including case study examples from a number of high-profile university entrepreneurs that have scaled their ideas into successful businesses.

To help you get your university venture off the ground, you’ll also find a handy summary of the funding and support that is available to student and young entrepreneurs in the UK.

Click the buttons above or below to find out more about the best low cost business ideas to start while at university…

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No Annual Fee Credit Cards

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Credit Cards for Fair Credit

Credit Cards for Bad Credit

Credit Cards for Limited/No Credit

Prepaid Cards for Any Credit

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

Instant Decision Credit Cards

Credit Cards Rebuild Credit

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Credit Cards – Compare Best Card Offers & Apply Online #get #a #credit #cards,

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Compare partner credit card offers from our most
popular categories

How to choose a credit card

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.
One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.
“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”
You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”

Bankrate’s best credit cards


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Get Cheap Car Insurance in California with Titan Insurance #car #insurance #california, #california #auto

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California Car Insurance

To the extent financial responsibility laws require, it is the law to have car insurance in California, but that doesn’t mean it has to be expensive. Titan Insurance provides affordable auto insurance to California drivers, even high-risk drivers, because we know that drivers are more than their driving record. We have a variety of flexible California auto insurance options and policy discounts available, all of which are designed to protect drivers from the unexpected and save them money.

About California auto insurance

Car insurance is required in California, but not all drivers need to carry all types of insurance coverage. California only requires drivers to carry auto liability insurance. This is important for drivers who want to keep their car insurance in California affordable.

Although liability insurance is generally the only California car insurance requirement, there are plenty of additional coverage options that make sense to consider. Additional coverage provides additional protection, which can protect a driver financially in the event of an accident. Popular coverages include:

  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured Motorist

Protection from uninsured drivers

Finding a low cost car insurance policy in California used to be so difficult that the state implemented the Low Cost Automobile Insurance Program (CLCA). This program provides cheap car insurance to California drivers who meet certain income requirements. This is good news for all drivers. Drivers who couldn’t afford car insurance in California now have another low-cost car insurance option while drivers who do carry insurance are better protected from uninsured motorists.

Nonetheless, uninsured/underinsured motorist risk exists, and Titan offers coverage to provide protection when an at-fault party has no or insufficient liability coverage.

Save money with Titan

Titan is always looking for ways to save our California customers money. One way we do this is by offering a Collision Damage Waiver. When you have purchased Collision coverage and elected this waiver, this waiver pays the collision deductible on the insured motor vehicle when a loss is caused by an uninsured motorist.

Another way to save money with Titan is through our many discount offers .

Titan’s California vehicle services

At Titan we understand that time is money. That’s why we offer DMV services in some of our California auto insurance offices. Drivers can save time by visiting a local Titan office for routine DMV services such as:

  • Registration renewals
  • Vehicle Titling
  • License Plate renewals

The majority of Titan offices in California offer DMV services. Call your local office today about DMV services.

Contact a Titan representative

Learn more about our California auto insurance coverage:

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

©2017 THI Holdings (Delaware), Inc. Affiliated Companies. All Rights Reserved. Home Office: Cleveland, OH 44122. California Producer License #0E86569.

Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

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