TEENAGERS AND CREDIT CARDS Written by Neil Goldberg
If you have a teenage son or daughter you can be sure they are getting offers for credit cards. And while we all know how important having a credit card is in case of an emergency, it is just as important to make sure your child understands responsibilities having a credit card brings. So take a few moments to talk to your children before they sign on dotted line. Make sure they are aware of:
• The annual percentage rate. • What is grace period? • If you are late how much is late fee? • What happens if you go over limit? • How is minimum payment figured?
Then you need to set ground rules. How is this card going to be used – for emergencies only, gas or for all general purchases? What is their spending limit? Who is going to pay bill –will you each contribute and if so what percentage? Where will child’s money come from –summer job or after school job? And if latter, how will this affect studying, homework or participating in after school activities?
Free Divorce Do It Yourself FormsWritten by Sara Jenkins
Free Divorce Do It Yourself Forms are available on internet. There are also many Legal Clinics that provide Free Divorce Do It Yourself Forms in United States. But forms differ from state to state, according to their respective Divorce rules and regulations. Legal Clinics offer Free Divorce Do It Yourself Forms and Kits that will save you a lot of time, heartache and hard earned money. Free Divorces Do It Yourself is absolutely legal and valid in all states of United States.
You will need to fill up many forms to prove validity and authenticity of your Free Divorce Do It Yourself. These Free Divorce Do It Yourself Forms will cover many details of your personal and economic standing. First of all, all correct details of your personal property need to be filled up. Free Divorce Do It Yourself Form also includes giving information on your real estate and other immovable properties.