6 Personal Safety Apps for Your Kids in College

Because of the huge number of crimes committed on campuses, the need for personal safety apps is increasing. The concern for parents and students is justified, but there are ways to help them. Despite the presence of police officers near campuses, safety is still a major concern and mobile apps can help fill this gap. If you are the parent of one or more students, you should consider these personal safety apps for your kids in college:

1. Guardly

Guardly is a personal safety app for students and works on iOS, Android and Blackberry devices. This application allows students to instantly connect with their friends and family members in emergency situations. All students have to do is tap a few times for dialing and sending an alert. Their location will be tracked in real time. Another way to use the app is by sending photos that have been captured to authorities or mobile contacts. Downloading the application is free, but there is a monthly subscription.

2. Smart24x7 Campus

24×7 is an application that has different purposes, as it can be used for the personal safety of kids, seniors, women, college students, employees and other people. The section dedicated to students is called 24×7 Campus. The application is available on Google Play, Windows Phone, App Store and App World. It can give students instant access to police or administration. With this app, students can get prompt medical support whenever they need it.

3. OnWatch

With this Android and iPhone application, friends and authorities can be immediately alerted in case of an emergency. The app has six functions: call 911 and friends, call 911, call campus police, watch my back, contact friends and I’m here. Watch my back allows students to set a timed alert that can be deactivated with a passcode. The free options are call 911, call campus police and I’m here.

4. MyForce

MyForce is a subscription based personal safety app for iPhone, Android and Blackberry. Whenever a student feels danger, an alert can be sent with just a few taps. A discreet alarm can be activated by pushing the red button of the app. After the alarm is activated, the software will record the call and will track the student’s location. The mobile operator will consider this an emergency situation and will call 911. This application can be great when students are walking home during the night through desolate areas.

5. EmergenSee

EmergenSee is an award winning personal safety application that can be downloaded from iTunes and Google Play. It uses live video streaming, along with GPS and audio data for ensuring personal safety. When the student or someone nearby is in danger, a few taps will help them to send the streaming data to friends and family members, but also to Professional Monitoring Centers. The application provides 24/7 professional monitoring.

6. Circle of 6

Circle of 6 is an application for iPhone and Android that has the purpose of helping students get out of dangerous situations. Students can include the phone numbers of up to six friends, classmates, or family members. When danger occurs, a mass message can be sent. There is a car icon that can be pressed for sending a text message, while the location of the student is tracked. If the phone icon is pressed, a special message is sent to all the numbers that have been inserted into the application. The app also allows students to call 911 if there is a true emergency.

Find more college related articles at http://easyscholarshipsnow.com.

No Tengo Dinero: How to Visit Spain on a Budget

We’ve all seen this scenario before: You’ve been planning a trip to Europe for years and you finally settle on one European country that has it all: Spain. Vibrant mega-cities, wonderful beaches, great food and warm people make this country on the coast of the Mediterranean a must see for any pale skinned North American.

After all the research and planning, you’re finally ready to set the wheels in motion. But there’ a problem: a financial miscalculation has wiped out half of your vacation funds! Bummer! Is this the end? No, not by a long-shot if you know how to travel on a budget. You need to regroup, breathe, and follow these tips to salvage your much anticipated trip.

1.     Book a flight in advance

Scour the internet for cheap flights by booking months in advance. It doesn’t necessarily have to be a cheap airline, because the cheap ones are known to have a ton of hidden charges. You can also book a flight and land anywhere in Europe and just take a cheap local flight going to Spain. Use Skyscanner or Vayama to compare flights from different carriers.

2.     AirBnB, Hostels and Couchsurfing

If you have no qualms about sleeping in someone else’s house or sharing sleeping quarters with complete strangers, you can skip the hotel and look for good deals online. AirBnB will help you locate locals willing to rent out a room in their homes for a fee. Some of the locals would even show you around town, so no need to pay for Spanish translation services or a guide.

Couchsurfing can help you find locals willing to let you sleep on their couch or mattress at no charge. Just make sure you treat your hosts with respect and try to get to know them. It’s also a good idea to bring your hosts a gift for letting you spend your vacation in their home.

Hostels do the job if you’re on vacation to party. Although AirBnB and Couchsurfing are considerably cheaper, it’s a little bit of a problem to your hosts if you love to come home late and hammered from all night drinking, so hostels maybe the right choice for you if you’re there to party.

3.     Take the Train, Bus and Subway

When you’re in Spain’s big cities such as Barcelona and Madrid, the subway is a cheap and indispensible way to travel. Taking the train on the other hand, is usually more expensive than taking the bus, so be sure to check the local fares first before hopping on.

4.     Eat like a Local

Spaniards are heavy lunch eaters. They have a small breakfast, a humungous lunch and a normal dinner because dinners in Spain are more expensive than lunch. It’s a legal requirement in Spain to offer a Menu del Dia or a complete meal of soup, salad, main course, side dish and dessert – all for one price. This is the most economical way to eat in these parts, so don’t eat a heavy breakfast! You can get away with eating a cheap and light dinner because of all the food debauchery you did for lunch.

5.     Visit Museums for free

Many of Spain’s museums have “free” days where you can visit without paying anything. You can also consider getting a discount card if you’re hell bent on seeing all the priceless art on display.

6.     Drinking in Granada

If you find yourself I Granada, don’t forget to drink up! Every alcoholic beverage you order in Granada will be served with Tapas, or small portions of appetizers. You can get your fill with just a few orders of beer. Eating for free never tasted this good!

See you in Spain

There you have it, tips on how to save a fortune on travel costs and see Spain on a budget. Don’t forget to book your flight early in advance and take advantage of early bird promos. AirBnB and Couchsurfing are also great ways to save money while meeting new people and possibly making lifelong friends in the process.

Salud!

How to Apply and Be Approved for Title Loans Online

Auto title loansYour vehicle is likely to be hugely important in your life. It allows you to get from A to B, to work and to school. It is also a financial asset and if you need money fast, you could use it as collateral to get some money. For many, this is a better option than selling it, as this would mean you can no longer use your vehicle for anything. Using your vehicle as collateral is done through a title loan and you can apply for title loans online. But how do you apply, and how do you get approved? Let’s take a look at the process.

Step 1 – Find a Loan Company

This will take you the longest of all. You need to find a company that offers good rates and has an excellent reputation. There are a few searches you can do to make sure you’re not becoming a victim of some sort of financial scam. Unfortunately, while the industry is regulated, it is still too easy for companies to trick customers out of their money.

Step 2 – Compare Rates and Loans

One of the most important things to look for is the most affordable loan interest rate. Whenever you borrow money, you will have to pay back that amount (the loan principal), as well as interest. Interest is how lenders make their money. These rates vary from one provider to another. However, they are often very high with title loans and you need to find the one that is the most affordable. Generally speaking, the worse your credit rating is, the higher your rate will be as well.

Step 3 – Make Sure You Meet the Minimum Requirements

Exact requirements for title loans vary from one company to the next. However, commonly, you will have to prove that:

  • You are the registered owner of a clear title.
  • You are over 18.
  • You have a regular source of income.
  • You are a permanent and legal resident of this country.
  • You have a bank account.

Step 4 – Apply for the Loan

When you apply online, you will usually have to provide a number of details that will enable the company to check your credentials. Sometimes, you will have to fax a few pieces of paperwork as well, but this is becoming increasingly uncommon.

Step 5 – Receive the Money

In most cases with title loans, you will receive the money within 24 hours of applying. Some even guarantee same day payments. Once received, you can spend the money in any way you see fit, which is also a difference with other loans, where you often have to indicate what you will be using it for.

Step 6 – Pay the Money Back

Finally, you will have to meet your repayments. With title loans, you absolutely cannot default on your payments, because your vehicle will immediately be repossessed. This is also why you should only apply for one of these loans if you are sure that you can pay it back.

How to Get Funds for your Postgraduate Degree

Paying tuition for graduate school can be pretty tough, especially if you have a family to look out for. However, you can’t let your financial problems get in the way of seeking higher education. Pursuing a master’s degree is very important if you want to have a steady career and better income.  If, for example, you want to become a financial consultant or an operations manager of an accounting firm, a Master of Science in accounting degree can help hasten your promotion. In addition, it also adds more credibility to your professional career.

Funding your tuition needs can be a difficult task. However, it doesn’t mean that it’s an impossible one either. With the right motivation and resourcefulness, you can surely find the money that you need. If you really want to pursue higher education without breaking your bank, read on to learn more about useful solutions for funding your postgraduate schooling.

  1. Don’t store your eggs in just one basket

Simply put, this means that you shouldn’t put all your energy in finding just one sponsor.  There are a lot of universities and charitable institutions out there that offer aid to students. In addition, you should also search for other creative ways in searching for money. Instead of just relying on one big grant, you can also opt to apply for several awards. On their own, they do not really provide a large amount of money. But together, you can pull enough funds to accommodate all your basic needs.

  1. Get an on campus job

Most universities are generous enough to provide on-campus jobs to worthy candidates. Aside from a salary, you can also get great perks like tuition discounts. You can apply for a secretarial job or as a research assistant. Aside from earning money, you can also be exposed to a lot of new information about your chosen field.

  1. Discuss options with your employer

If you are studying a course that is in line with your field of work, you can talk to your employer and ask for financial assistance or joint funding. They can also arrange a work schedule so you work and study in a more organized way.

  1. Plan early

 If you are planning to go full-time with your studies, you need to plan one year before you actually enroll. This is a big financial commitment, so every step of you plan must be organized. Make an estimate on all the expenses that you might incur while studying.

These are just some of the tips for funding your postgraduate degree. If you can share other pieces of advice, feel free to do so in the comments.

Importance of Managing Risk with Binary Options

BINARY OPTIONSRisk management, similar to the insurance policy placed on your car, house, or any valuable asset to you, is an important element to any financial investment. As a binary options trader, the risk potential that you face is limited in that you don’t lose more than your initial investment. In addition, if your trade expires out of the money, you can still receive a small percentage of your beginning investment back to your trading account. Managing risk while trading can make the difference between generating profits in your trading career or clearing your capital completely.

It’s very important to have a good understanding of how much risk you’re exposing yourself to if you desire to be successful in binary options. The purpose of this article is to look at the importance of risk management, how to control your losses and what risk and strategies to use when managing your risk in binary options.

Why Managing Risk is Important

Risk management is one of the key elements to surviving in the investment world. As a binary options trader, you have the knowledge of how much risk and profit potential you have before you place a trading position. However, this doesn’t eliminate your trading performance risks, how many trades lose, and whether you’re placing suitable investments.

As a trader, you have a certain sense of fear that you can lose all of your money without being cautious. This alone is the reason why most traders are able to grasp such a concept easily; the only difficulty they face is the actual application of it. Most brokers place a lot of emphasis on the benefits of binary options while ignoring the drawbacks. This causes most traders to believe that large, risky trades and big money aims are the way to go.

It’s very easy for those that have a demo account to practice risk management, but after emotions and real money come into play, the game completely changes. This is why managing risk with binary options is important.

Risk Management: Loss Control

A good way to manage risk is by taking control of your losses from each trading position. Understand that losing in binary options is completely fine and normal. In fact, most professional traders lose every now and then; winning each trade every time is not realistic. Unlike forex and stock trading, binary options don’t have a stop loss feature on trading platforms. Instead, you can cover your lost trades by placing a trade whose profit will cover the lost investment plus an addition to your total profits.

Bottom Line

Managing your risk in binary options is all about maintaining control. The more control you have on risk exposure, the more flexible you can be when the occasion arises. As a trader, you should have the ability to act when an opportunity arises. Directing your attention to inherent risks will enable you to continue trading even when things don’t go as planned. Managing your risk in binary options is very important, as it can be the difference between being a professional binary options trader or another chart statistic.

5 Mistakes to avoid when getting a POS System

Point of sale systems have made the life of a business owner today a heck of a lot easier than when everyone used a big old cash register, a pen and a log book. With all the automation, speed and efficiency of a robot, POS systems can help run a restaurant or retail store and take some of the burden off the people that are working alongside it. But you just can’t get any point of sale system you come across, because not all of them are created equal. Here’s a list of mistakes to avoid when choosing your next POS system.

  1. Not going Branded. For clothes and other items, you can make do with simple, non-branded stuff. You may even get away with buying a cheap phone. But for a system that will help you run your business? You simply can’t take that risk. Being frugal with your POS system will cost you more future headaches and frustration, which leads us to…
  2. Not choosing a reputable Manufacturer. Imagine investing in a system that worked fine for a few days and then quit on you during the busiest week of the season? And when you called for support, it was almost non-existent and you had to call an IT professional to help you because they were taking forever. These headaches happen with non-established companies. It’s like buying a car. You know what you get when you buy a Toyota or a Honda. These cars are legendary for their safety and service record. Would you take a risk buying a cheap car from a company you just heard about? You would never risk it! Go for companies that have a proven track record. 
  3. Not doing your Research. Word of mouth marketing is fine. But when you hear about a POS system from a friend, who heard it from another friend, would you just go ahead and buy it? Choose a POS system that fits your business model. Do your own research and never take anyone’s word for it unless you see the actual point of sale system in action. If you narrowed down your choice for a POS system, ask for three or more referrals that use the exact same system you want to buy. Talk to the business owners about the system and ask if you can drop by and see it in action. Ask about the company’s customer service record and how fast they respond. Ask them for any system glitches and quirks that they may have encountered. 
  4. Not asking the manufacturer everything. When you talk to a manufacturer, ask them anything and everything. It helps if you make a list of things to ask so you’re prepared for a little Q&A. Ask about training schedules, service response times, if there’s dedicated support, scheduled updates, reporting, cloud support, experience in your industry, bundled hardware, discounts, etc. 
  5. Using your old hardware. Some business owners want to save money on point of sale systems, so they just buy the software and attempt to assemble their own hardware using an assortment of old computer hardware bought online for cheap. I’m all for the DIY spirit and repurposing old stuff, but you just can’t take the risk of using old hardware for your POS system. What if it has compatibility issues? Also, the hardware used for businesses were made to take abuse for 12 hours or more, everyday. The same cannot be said for machines made for home use, especially old ones. You’re better off paying a little bit more extra for the hardware that comes with the software, just to save you from all the stress.

In a Squirreled Nutshell

Saving money is very important in life and in business. But when you’re a scrooge on some of the essentials like a good restaurant POS or a POS for retail, you’ll only end up hurting your bottom line. Please remember that a point of sale system is not an expense, but rather an investment that will help you run your business better and more efficient than ever.

What’s the Deal With Forex Trading?

Forex is a short word that can refer to a lot of things. On a global scale it has to do with the trading of one kind of currency for another. Every time you you go on a trip out of the country, you’ve got trade your nation’s currency for that of the regional currency. This process is known as “foreign exchange” or, more catchily, Forex. But Forex doesn’t just happen in simple over-the-counter interactions between foreigners, it also happens on a global scale constantly. If one country is selling arms to another, or an importer is buying coffee from Nicaragua, currencies have to be exchanged, money translated from one form to another.

Because individual currencies are gaining and losing value all the time, this means that on any given trade, one member is getting a slightly better deal than the other, as long as the currency value change swings in their favor. In anticipation of currency value changes based on specific international factors, large institutions and even sovereign nations will invest in foreign currencies in order to see a big return. Do you anticipate that the Euro is going to recover from its recent plunge? Buy up a bunch and wait for the price to rise, then sell for a profit in your native market. This form of foreign currency exchange (forex) is known as the spot market, where the buyers and sellers always own the asset that is being traded.

But Forex also has a large futures market, where entities and individuals can speculate about the value, moment to moment, of global currencies relative to one another. By placing bets on how a currency is going to increase or decrease in value, over a specific window of time, Forex investors are a brand of day trader who can gain and lose money in big quantities, very quickly. The odds change depending on the broker and the currency in question. This is called leverage, and the higher the leverage, the more money an investor will win on a successful bet.

Like all speculative investment, Forex trading success is built on knowledge, observation, experience, and luck. Luck is perhaps the most important factor, as there are simply too many global factors to consider, which underly the momentary value of any one currency. But experience is also very important for the Forex trader. By taking advantage of big wins, Forex traders can offset many smaller losses. In this way, the best Forex traders make a lot of profit, even though they may get their bets right less than 50% of the time.

To start trading on Forex market you need an advanced and high-grade  Forex trading platform which can provide you with all the necessary trading tools, including technical charts and indicators, user-friendly interface, real quotes and news feed. If you are a novice trader you can open a demo account and start practicing, making decisions and predictions without risking your real money. In this way, you’ll see the rhythm of the market, and you’ll learn the kind of intuitive decisions a great Forex trader makes.

Auto Title Loans Can Help You to Repair Bad Credit

auto title loanUnfortunately, emergencies happen where the need for cash is instant. Perhaps you have been hospitalized or involved in an accident, maybe there has been a death in the family. Your house or vehicle may need repairs or any other situation. In any of these cases, a title loan may just be what you are looking for, particularly if you also have a poor credit score. Additionally, these loans can actually help you to repair your credit rating.

Is There a Mistake on Your Credit Score?

Credit scores can be poor due to a variety of reasons. It can be because you made poor financial decisions, but it can also be due to circumstances beyond your control. However, it is also possible that you have been the victim of identity theft, or that there is simply an error on your file. Either way, however, this does not help you if you need money fast, because it can take a significant amount of time to rectify these situations.

If you aren’t sure about your credit rating, you should request a copy of your credit report. This will allow you to see exactly what is on there and help you to identify whether there are any mistakes. There are laws in place to allow you to dispute anything you spot on that report that is not correct. To do this, you must write to the credit agency, as well as to the organization that has put a negative marking against your name. In this letter, you must write why you believe the marking to be in error. Although this will take time, you will eventually recover your credit score to its rightful position.

Again, however, if you need money now, all these actions will not be of any benefit to you in the immediate here and now. However, by applying for title loans California lenders may just be able to help you restore some of your credit file as well.

How a Title Loan Can Restore Your Credit

It is very easy to apply for a title loan and your credit file is not of any importance, as your vehicle is the collateral on that loan. You do, however, have to have a vehicle that is free from liens, including car finance. When you take out such a loan, you will be able to keep and use your vehicle so long as you repay your debt. This means that there is no negative influence on your own lifestyle. However, your vehicle is in collateral, so if you don’t make the repayments, it will be repossessed.

One of the most important factors on your credit file is your ability to pay back any financial agreements right now. Hence, if you take out a title loan and pay it back on time, this will instantly boost your credit rating as well. Indeed, many people have taken out these types of loans with the sole purpose of rebuilding their credit. To do this, they place the loan principal in a savings account and simply pay it back, with interest, after one month. This shows that they have sufficient finances and that they stick to agreements.

What is a Reverse Mortgage?

reverse mortgage seniorsWhat this article is all about:

  • A Financial Tool
  • Criteria to Get a Reverse Mortgage
  • Testimonials

A reverse mortgage is a loan product designed for senior homeowners 62 years of age and older in order to help them age in their homes if they desire. Reverse mortgages allow seniors to access the equity in their homes and convert it into non-taxed cash to be used however they would like. Meanwhile there is no monthly mortgage payment and the home’s ownership stays with the borrower.

A Financial Tool

Senior homeowners can choose to spend their reverse mortgage funds however they would like. After paying off their existing mortgages, many use these funds from their home equity to pay off credit card bills, daily expenses, or medical costs. Paying these obligations can free up a lot of cash from the borrower’s income that used to be spent paying them down.

 

In addition, some senior homeowners use it as a retirement financial planning tool. When the line of credit disbursement is chosen, seniors can in essence freeze the equity of their home to save its availability for their possible future use. Meanwhile, because interest is charged only on the used portion of funds, all unused funds are interest free. 

Criteria to Get a Reverse Mortgage

There are a few criteria, however, that senior homeowners must satisfy before qualifying for a reverse mortgage. Senior homeowners must be at least age 62 or older and live in their home as their primary residence. The original mortgage must be paid off or at least paid down so that there is enough equity available to pull.

 

There can be no delinquency on federal debt and borrowers must have the financial means to be able to satisfy loan obligations and terms, such as paying property taxes, insurance, and any homeowner’s fees. Because there are no monthly mortgage payments on the loan, borrowers are obligated to stay current on all of these expenses or they may face foreclosure.

 

In addition, borrowers must complete a “consumer information session” with a counselor who is approved by the U.S. Department of Housing and Urban Development (HUD).

 

 

Testimonials

Senior homeowners who have closed this loan have been raving about how much it has helped them. Every day, borrowers share their testimonials with the leading lender in the reverse mortgage industry, American Advisors Group (AAG), praising the government-insured loan product.

 

Danny W. of Washington, for example, had only good things to say of his reverse mortgage. “The peace of mind and flexibility the reverse mortgage offered me is immeasurable,” he says. “Thanks to my reverse mortgage I was able to travel to Europe and visit my family.”

 

John H. of Pennsylvania also had praise. “I don’t have to pay a mortgage payment each month and I got some cash on top of it. I felt like I had nothing to worry about and that everything would be taken care of and it was!”

 

“I was down to nothing,” says Theodore C. of New York. “But the reverse mortgage allowed me to pay off my mortgage when I was about to be foreclosed on. I got to keep my house, fix it up nicely, and have extra money in the bank. I’m very satisfied and happy with the reverse mortgage.”

 

 

Many senior homeowners have found in a reverse mortgage the help they needed to be able to stay living in their homes for as long as they wish while receiving their home’s equity in cash without having to pay a monthly mortgage payment. For many seniors across the United States, this loan product is exactly the solution they had been looking for.