A student can very easily obtain a student credit card. Offers for student credit cards are everywhere students are: in campuses, at social functions, in their mail boxes, in bookstores, etc. That is because credit companies consider students to be good customers. First of all they are loyal; once a student obtains a credit card, he is likely to keep this particular card for years to come and instead of getting other new cards they upgrade it every time they fill need to do it. Nowadays, conditions to obtain a student credit card are very weak, so more and more students have access to them even though they don’t have a steady source of income. And this is a second reason why credit card companies offer more and more credit cards to students: they usually can’t repay their debts in time. And this is what credit cards companies rely on; they make lots of money from late payment penalties, interest fees on unpaid credit card balances, annual fees and more. So, students that don’t repay their credit card balances in full each month are best customers.

Many of us will at some stage in our lives have need for life insurance. Life insurance is an agreement between you and an insurer and under terms of a life insurance contract, insurer promises to pay a certain sum to a designated beneficiary when you die, in exchange for your premium payments. This may give you peace of mind that, should you die during policy term, your family would have some financial security.

The most common reason for buying life insurance is to replace income lost when you die. For example, say that you work, and that your income is used to support yourself and your family. When you die and your income stops life insurance proceeds can be used to continue to support family members you've left behind.