Dailymotion Pak songs

Stories

Students Don’t Know When Selecting Credit Cards

Student Credit Card Application Stands Wherever You Go

They are all around campus right? These stands where they give you a frisbee or a water bottle if you sign up for a credit card. You sign up for one because it is the ultimate piece of plastic to have as a student.


One thing you will notice is that college students don't look at the details of the card agreement and blindly fill out these forms. Credit cards are financial tools but you have got to apply for the right ones otherwise you may be digging yourself into a hole of debt that you will have trouble getting out of.

Focus On The Credit Card APR

The credit card, along with the free t-shirt or water bottle is marketed to unknowing students as 0% introductory APR telling you that there is no interest charged for a certain period of time. Once the introductory rate expires it jumps to its normal APR which if you're not paying attention can be pretty steep for new cardholders.

Credit card issuers setup these types of tables all over campus pulling your interest with free, useless goodies to get you to sign up for a card that can pull you more into debt later.

By going online to compare credit card rates you put yourself in a much better position than other students who blindly go for freebies. Knowledge is power when it comes to the credit card apply process so being able to compare credit card rates is vital to making the best decision on a credit card.


Other Credit Card Benefits You May Not Know About

By taking your search to compare credit cards online you will have a huge list of credit cards to choose and apply for. All the details laid out for each card along with additional benefits that they may offer.

The majority of the credit cards out there now have gasoline rewards, a points system or airline miles for whenever you use your credit card. In some cases they may offer double the rewards or even cash back depending on the type of card you are using.

Carrying Several Credit Cards?

You can have additional cards to use for specific situations to take advantage of these perks. Also make sure to keep the contact information to the credit card company in a safe place in case you lose your credit card. A new card will be shipped out to you once you have notified the credit card company. You also will not be held responsible for the charges on the card made by someone else.

Certain Credit Cards Have Annual Fees


Some credit cards also have a yearly fee for having their card. These types of credit cards that have those annual fees have certain long term benefits that differentiate themselves from other cards.

In most cases you may not need a card with all the additional perks being that you are a university or college student at the moment.

Watch Your Credit Card Spending Once You’re Approved


Things that parents normally had to do for their sons or daughters such as booking a flight or paying for items are all done with a credit card. Now students can apply for a solid credit card and have that freedom. With a certain amount of credit extended to you keep in mind that you must stay discipline with your spending. It is not free cash and you must be responsible enough to pay it back.

Some people may start using their new credit line impulsively and when that happens it could lead to debt where they are unable to pay the entire balance back.

Do Not Be Late On Paying Your Credit Card Bill

Your credit history is like a report card and if you pay your credit card bill late even one time it shows a negative record on your account. With just one late payment on your credit card your APR / interest rate can double.

So always keep track of your spending and make the payment on your credit card bills on time. So compare credit card rates and benefits among multiple credit cards to find the best student credit card for you.






This story begins when I was a child: I was born poor. Often we hadn't enough to eat. Whenever we had some food, Mother often gave me her portion of rice. While she was transferring her rice into my bowl, she would say "Eat this rice, son! I'm not hungry." This was Mother's First Lie.


As I grew, Mother gave up her spare time to fish in a river near our house; she hoped that from the fish she caught, she could give me a little bit more nutritious food for my growth. Once she had caught just two fish, she would make fish soup. While I was eating the soup, mother would sit beside me and eat what was still left on the bone of the fish I had eaten; My heart was touched when I saw it. Once I gave the other fish to her on my chopstick but she immediately refused it and said, "Eat this fish, son! I don't really like fish." This was Mother's Second Lie.

Then, in order to fund my education, Mother went to a Match Factory to bring home some used matchboxes which she filled with fresh matchsticks. . This helped her get some money to cover our needs. One wintry night I awoke to find Mother filling the matchboxes by candlelight. So I said, "Mother, go to sleep; it's late: you can continue working tomorrow morning." Mother smiled and said "Go to sleep, son! I'm not tired." This was Mother's Third Lie.



When I had to sit my Final Examination, Mother accompanied me.. After dawn, Mother waited for me for hours in the heat of the sun. When the bell rang, I ran to meet her.. Mother embraced me and poured me a glass of tea that she had prepared in a thermos. The tea was not as strong as my Mother's love, Seeing Mother covered with perspiration; I at once gave her my glass and asked her to drink too. Mother said "Drink, son! I'm not thirsty!". This was Mother's Fourth Lie.



After Father's death, Mother had to play the role of a single parent. She held on to her former job; she had to fund our needs alone. Our family's life was more complicated. We suffered from starvation. Seeing our family's condition worsening, my kind Uncle who lived near my house came to help us solve our problems big and small. Our other neighbours saw that we were poverty stricken so they often advised my mother to marry again. But Mother refused to remarry saying "I don't need love.." This was Mother's Fifth Lie.



After I had finished my studies and got a job, it was time for my old Mother to retire but she carried on going to the market every morning just to sell a few vegetables. I kept sending her money but she was steadfast and even sent the money back to me. She said, "I have enough money." That was Mother's Sixth Lie.



I continued my part-time studies for my Master's Degree. Funded by the American Corporation for which I worked, I succeeded in my studies. With a big jump in my salary, I decided to bring Mother to enjoy life in America but Mother didn't want to bother her son; she said to me "I'm not used to high living." That was Mother's Seventh Lie.

In her dotage, Mother was attacked by cancer and had to be hospitalized. Now living far across the ocean, I went home to visit Mother who was bedridden after an operation. Mother tried to smile but I was heartbroken because she was so thin and feeble but Mother said, "Don't cry, son! I'm not in pain." That was Mother's Eighth Lie.

Telling me this, her eighth lie, she died. YES, MOTHER WAS AN ANGEL!
M - O - T - H - E - R

"M" is for the Million things she gave me,

"O" means Only that she's growing old,

"T" is for the Tears she shed to save me,

"H" is for her Heart of gold,

"E" is for her Eyes with love-light shining in them,

R" means Right, and right she'll always be,

Put them all together, they spell "MOTHER" a word that means the world to me. For those of you who are lucky to be still blessed with your Mom's presence on Earth, this story is beautiful. For those who aren't so blessed, this is even more beautiful.
__________________________________________
 
Simple Solutions for Complex Problems

The Difference between FOCUSING on PROBLEMS and FOCUSING on SOLUTIONS


Case # 1 : When NASA began the launch of astronauts into space, they found out that the pens would not work at zero gravity (ink will not flow down to the writing surface).

Solution # 1 : To solve this problem, it took them one decade and $12 million. They developed a pen that worked at zero gravity, upside down, underwater, in practically any surface including crystal and in a temperature range from below freezing to over 300 degrees C.
Solution # 2 : And what did the Russians do...?? They used a pencil.
Case # 2 : One of the most memorable case studies on Japanese management was the case of the empty soapbox, which happened in one of Japan 's biggest cosmetics companies. The company received a complaint that a consumer had bought a soapbox that was empty.

Immediately the authorities isolated the problem to the assembly Line, which transported all the packaged boxes of soap to the delivery department. For some reason, one soapbox went through the assembly line empty.
Management asked its engineers to solve the problem.
Solution # 1 : Post-haste, the engineers worked hard to devise an X-ray machine with high-resolution monitors manned by two people to watch all the soapboxes that passed through the line to make sure they were not empty. No doubt, they worked hard and they worked fast but they spent a whoopee amount to do so.
Solution # 2 : But when a rank-and-file employee in a small company was posed with the same problem, he did not get into complications of X-rays, etc., but instead came out with another solution.

He bought a strong industrial electric fan and pointed it at the assembly line. He switched the fan on, and as each soapbox passed the fan, it simply blew the empty boxes out of the line.
Moral
· Always look for simple solutions.
· Devise the simplest possible solution that solves the problems.
· Always focus on solutions & not on problems
___________________________
 
A VERY NICE STORY WITH A GOOD MORAL. PLEASE GO THROUGH

A kindergarten teacher has decided to let her class play a game.

The teacher told each child in the class to bring along a plastic bag containing a few potatoes.
Each potato will be given a name of a person that the child hates,

So the number of potatoes that a child will put in his/her plastic bag will depend on the number of people he/she hates.
So when the day came, every child brought some potatoes with the name of the people he/she hated. Some had 2 potatoes; some 3 while some up to 5 potatoes. The teacher then told the children to carry with them the potatoes in the plastic bag wherever they go (even to the toilet) for 1 week.
Days after days passed by, and the children started to complain due to the unpleasant smell let out by the rotten potatoes. Besides, those having 5 potatoes also had to carry heavier bags. After 1 week, the children were relieved because the game had finally ended....

The teacher asked: "How did you feel while carrying the potatoes with you for 1 week?". The children let out their frustrations and started complaining of the trouble that they had to go through having to carry the heavy and smelly potatoes wherever they go.
Then the teacher told them the hidden meaning behind the game. The teacher said: "This is exactly the situation when you carry your hatred for somebody inside your heart. The stench of hatred will contaminate your heart and you will carry it with you wherever you go. If you cannot tolerate the smell of rotten potatoes for just 1 week, can you imagine what is it like to have the stench of hatred in your heart for your lifetime???"

Moral of the story: Throw away any hatred for anyone from your heart so that you will not carry sins for a lifetime. Forgiving others is the best attitude to take!
True love is not loving a perfect person but loving an imperfect person perfectly!!

No comments:

Post a Comment