Student Removals- Self Packing and Insurance - For Proper Protection

Written by Stephen Willett


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So,to help start you thinking about packing for any move that you might be planning:- Here are a few common examples of shocking packing:

Kitchen crockery and glass piled up in an open avocado box - rattle shake and break!

Stereos and computers covered by bin liners –repparttar worst of both worlds – not only are these items not protected, butrepparttar 109208 mover cannot see what is being handled.

Picture glass protected with bubble wrap – is protected from nothing. You must cover picture glass with cardboard like a flattened box

Clothes and bedding stuffed into a single and probably open bin bag – they invariably rip. If you must (and you will!), double uprepparttar 109209 bags and leave room to tie them up. Boxes are far better.

Books, paperwork and vinyl in large boxes that almost weigh as much as a piano – A 12 bottle wine box isrepparttar 109210 maximum size.

Pack boxes tidily so they close flat (with nothing poking out) for stacking. Keeprepparttar 109211 weight managable. Mark them clearly with your address and contact numbers. Package as much as you can and numberrepparttar 109212 boxes so you (orrepparttar 109213 receiver) will be able to check that everything has arrived. Have a successful move!

You can read more about reducing your removal cost together with packing and packaging advice at:-WWW.student-movers-forum.com

Packing Tips

insurance

The author has spent 25 years in various service industries, including the last 8 in the removals sector.


PLUS Loans – it's never too late to subsidize your child’s education cost

Written by Vanessa McHooley


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You can take out one loan per enrollment period for each eligible student in your family. PLUS Loans do require an application fee of up 4% ofrepparttar principal ofrepparttar 109207 loan. These fees are deducted fromrepparttar 109208 loan principal, so no up-front money is required. The fee includes a 3% origination fee charged byrepparttar 109209 federal government and a guarantee fee of up to 1% charged byrepparttar 109210 guarantee agency. However, most guarantors waiverepparttar 109211 guarantee fee. How are PLUS Loan funds disbursed? Funds are sent directly torepparttar 109212 school’s financial aid office for scheduled payments overrepparttar 109213 course ofrepparttar 109214 academic year. As with other federal loans, there are usually at least two disbursements, one for each school term. The funds are first applied to tuition, fees, room and board, and other school charges. If any money remains, you can receive it as a check or you can put it in your student’s school account. This remaining money must be used for education expenses. When do I repay PLUS Loans? You start paying back PLUS Loans 60 days afterrepparttar 109215 final disbursement ofrepparttar 109216 school year. So, ifrepparttar 109217 final disbursement is made in January, as is typical, repayment generally begins in late February or early March. PLUS Loans arerepparttar 109218 financial responsibility ofrepparttar 109219 parents, notrepparttar 109220 student. Ifrepparttar 109221 student agrees to make payments onrepparttar 109222 PLUS Loan but fails to makerepparttar 109223 payments on time,repparttar 109224 parents are held responsible. What isrepparttar 109225 difference between PLUS Loans and other student loans? The other student loan generally available to students isrepparttar 109226 Stafford Loan. The table below illustratesrepparttar 109227 similarities and differences between these two loan programs: PLUS Loan Federally guaranteed Made to parents of dependent students Interest rate is low, but not as low as a Stafford (currently 4.17%) Repayment begins 60 days after final disbursement forrepparttar 109228 academic year Loan borrowing can be up to 100% of college education costs Stafford Loan Federally guaranteed Made to students themselves Interest rate is lowest available (currently 3.37% Repayment begins six months after graduation or leaving school Loan borrowing is capped: • $2,625 for first-year undergraduates • $3,500 for second-year undergraduates • $5,500 for third- and fourth-year undergraduates Loan can be needs-based and requires a FAFSA Interest charges do not begin until repayment begins, after graduation This article is distributed by NextStudent. At NextStudent, we believe that getting an education isrepparttar 109229 best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about PLUS Loans at http://www.NextStudent.com.



NextStudent is proud to offer free student loan articles covering a broad range of financial aid topics. Feel free to add our student loan articles to your feeder and get up to date student loan articles as soon as we publish them!


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