EPISODE SYNOPSIS This week Caroline Howell, founder of GreenBeanie, joins Greg and Tina to discuss green living. The team learn practical things they can do conserve the environment, stay healthier, and save money. Each pulls from his and her experience with their own children around the topics of recycling, packaging, cleaning supplies, and responsibility on the part of both child and parent. Caroline gives insight into ways to teach your children the value of going green. GUEST BIO Caroline Howell is a Green Home & Lifestyle Consultant, whose business, GreenBeanie™ Inc. is headquartered in Pasadena, CA. Caroline founded her company to formalize the advice she was sharing with friends and family about “green living” including habits and routines that are better for your health, the health of those around you and the planet. The mission of GreenBeanie™ is to help make it easy for families to practice and promote personal and environmental health; this is done through personalized consultations and Green Action Plans. Over the past year, Caroline has been Jillian’s green guru helping her implement changes around her home that promote greener and healthier living. ADDITIONAL LINKS, ETC. thegreenbeanie.wordpress.com tinabryson.com wholebrainchild.com www.nwf.org www.biggreenhelp.com www.kidsplanet.org www.ecokids.ca ewg.org www.farmfreshtoyou.com www.healthybitchdaily.com www.ecomom.com www.thegreenlifecostore.com Favorite waste free lunch companies: www.snacktaxi.com …
Let’s just say that you have a teenager who will soon be graduating from high school. You will feel proud of course, the same as any other parent whose child is graduating from high school. It is one of those milestones of life that you have successfully passed, despite all the financial obstacles that you have probably experienced. It is time to be happy, because you have fulfilled your responsibility of giving your child a brighter future.
But, most people would say, that a high school graduation is not the be all and end all. In fact, it is only the beginning of tougher challenges that await you and your child in the next few years of college education.
At this moment, you should start thinking about how you will pay for the studies of your college-bound child. With the increasing cost of tuition fees, you need to plan ahead well of time to avoid any problems, especially if you not well-off. You probably already know how hard it is to have to cope with the escalating costs of your child’s high school education before. The sooner you start planning for the college education of your child, the less you will have financial problems later on.
If you honestly think you will ever be faced with financial problems again, it is important that you understand the different financial aid programs available for your college-bound child. Just keep reading to learn the financial aids that are available to you:
A Grant: it is the first kind of college financial aid that you can apply for. It just requires you to complete a FAFSA (Free Application for Federal Student Aid) application form. Once the application has been submitted, it will be evaluated and if your child qualifies, he/she will be entitled to the full amount of what he/she has applied for. At this moment, you need not do anything much more except provide the name of the college or university that your teen wants to go to.
Scholarships: Although a scholarship is mostly meant for students who have the ‘brains’ but do not have the ‘money’, not all college scholarships are intended for academics. Students who do not have the best academic record can still qualify for many other college scholarships. There are college sports scholarships, community service work scholarships, social involvement scholarships and many others. These are only a few of the different types of scholarships for your child if he / she is not that academically talented.
‘Student Loans’: these kinds of loan have much lower interest rates compared with other types of loan. Some loans are subsidized, which means that the interest does not kick in until a student graduates college. Moreover, these loans do not require collateral, and therefore, you do not need to think about putting your own home up as collateral against the student loan for your teenager. Most of these loans are available on different repayment plans at low interest rates and low monthly repayments.
If you have not yet started searching for any of the different financial aid programs available, it is recommended that you begin now. These financial aids are there to help you and will provide the funds needed for your teen’s college education. You can be free from worries about your teen’s education, if you start early enough.
If a credit card is used cleverly, it is one of the most powerful financial tools. But not everybody can afford to pay the expensive interest rates that most credit card issuers charge. This is where low interest rate credit cards can help people who plan to maintain a balance on their account and not to repay the full amount monthly. But, what does interest or APR mean for when talking about low interest rate credit cards?
Basically, APR is the cost of credit as an annual interest rate. APR stands for “Annual Percentage Rate” and can be used to compare various credit and loan offers. The APR on credit cards is usually calculated monthly based on the current amount on the credit card.
The monthly interest is worked out as if the current card amount would stay the same over a year; the interest on the amount over a year (APR) is worked out and divided by 12 to give the monthly interest. It is a necessity that all lenders tell the client what their APR is before signing any agreement.
Although the terms and agreements may differ from one lender to another, it is better to get low interest rate credit cards because the lower the APR, the better it is for those who prefer to spend more money shopping wherever and whenever they want.
Why should you choose low interest rate credit cards? Low APR credit cards are a good choice for those people who prefer stricter financial budgeting. The APR determines the balance over a period of time, it being the most important attribute of a credit card.
As far as low interest rate credit cards go, the amount of interest one has to pay on his or her credit card amount is determined by its APR. Therefore, the lower the APR is, the better it is him or her because it means they have to pay less interest. APR’s on low interest rate credit cards can be either ‘fixed’ or ‘variable’.
If you are planning to have low interest rate credit cards, there are many cards that offer low APRs to be found online. These low interest rate credit cards are selected using a factoring scheme that organized these cards by computing a number of their attributes to place the best deals at the top.
One of the questions one has to ask when looking for low interest rate credit cards is about the charges: whether they vary or are fixed. If these charges are variable, they might affect the repayments and if these rate are fixed, the repayments stay the same. Searching for low interest rate credit cards may also include inquiries on the possibility of any charges that are not included in the APR like optional payment protection insurance or an annual charge.
If there are any, make sure that you know what they are and when you must pay them. Lastly, looking for low interest rate credit cards should include questions on the conditions of the credit and how these conditions suit you.
If you are seeking for low interest rate credit cards, you may start seeking for a credit card that could save you hundreds in interest with a low interest credit card and low cost processing. Most low interest rate credit cards offer 0% APR for the first several months on purchases, cash advances, and balance transfers.
Low interest rate credit cards sometimes offer rebates on certain items purchased. They also offer $0 liability on unauthorized purchases, and no annual fees. Some low interest rate credit cards have very good introductory rates for purchases. They also offer great deals if one carries high balances on other cards and want to transfer the balance.
Indeed, having low interest rate credit cards can be useful and convenient, and can even help create a strong credit history that will help you with future activities like home-buying, paying for higher education, and even getting a job. But, before you apply for low interest rate credit cards, think about the advantages and disadvantages especially with regard to the current financial situation you are in.
It’s a Sunday morning and you’re sitting there waiting for your coffee machine to stop its various gurgles and noises so you can have that all important early morning cup of coffee. Idly, you glance around your kitchen and notice a spot of paint on the corner of the door. It had been there for years but you never really took any notice of it until now.
You continue to allow your gaze to wander and your eye spots a patch of mildew seeping in under the sink, then you see the ugly brown colour your ceiling has turned right above where the cooker stands.
The paint is faintly off colour, and the only papered wall is beginning to look outdated and faded. You take a fortifying sip of your now-ready coffee and decide that a little bit of kitchen decorating is called for.
How do you go about it though? And how soon can you get started? Now that you’ve finally noticed all the little bits and pieces of decay that you were quite successfully ignoring up until that moment, you can’t wait to get started on your little kitchen decorating project.
However, this is decision time. Just how small do you mean to keep your kitchen decorating plans? Can you get away with just slapping a fresh coat of paint on everything or will you need to go to the lengths of removing the wallpaper off the wall, and finding out what had caused that mildew stain.
Sure enough, it all depends on you and your budget, but if you have the time, energy and money, you’d probably do better, in the long run. to solve all your kitchen decorating problems at once. That would include stripping off the wallpaper, replacing any carpeting or rugs, and maybe even sanding down your wooden floors if you have them. If you’re going to do a complete job of kitchen decorating however then you’ll also need that all important final coat of fresh paint to brighten up your kitchen.
You might also want to think about replacing those old lace curtains as they’re also probably looking distinctly ratty by now. So go ahead and splurge on your kitchen decorating project and replace the curtains and while you’re at it you might want to think of buying a new set of tea towels as well. It doesn’t hurt to go the whole hog when you can.
And when you’re finally done, you can sit back and enjoy your new kitchen and remember that weekend morning that started it all off. You’ll have no regrets whatsoever, since your kitchen decorating project has landed you with a better kitchen than you ever expected.
A feeling of content engulfs you as you bring your new coffee mug to your lips. Life just doesn’t get any better than when you’re enjoying the fruits of your effort.
In every college there are ways that prospective students can pay for their college education. The FAFSA financial aid system is one of the better ways that you can get the aid that you require.
In order to qualify for this aid you must fill out the FAFSA form that comes with the aid package. However, prior to filling out this form, you will need to read the package conditions and terms in full.
You should ask for help understanding any details that you have difficulty with. You may get this help from your school counsellor and the FAFSA web site will provide you with the information you need. In addition you will find many useful links there. These links will let you see the documents that you will need to have when you are applying for financial aid using the FAFSA form.
You may find other financial packages that you feel might offer better terms for financial aid. However, it is always best to compare these packages closely with that of the FAFSA financial aid package.
When you are preparing to fill out the FAFSA form you should make sure that you have the various bits of information that are required by the FAFSA form. These documents are principally used to determine your sincere need for financial aid. In the FAFSA form you will need an adult (usually your parents or guardian) to read the section of the form that relates to them.
You will be able to acquire a copy of the FAFSA form very easily. The forms are available in online and pre-printed formats and you can get hold of a copy of the form from several places, for example from the financial aid office of every college or university, which will have copies of these forms for you to take away.
Your high school should also have FAFSA forms and any other information you may require. You can ask to be sent a FAFSA form by phoning 1-800-4-FED -AID. The forms are also available at your local library. These are the locations where you can expect to find the printed versions of the FAFSA form. The online version is available on their web site.
If you use the online method of filing your FAFSA form, you will receive some worthwhile benefits. These benefits include getting your student aid report more quickly than by using the hardcopy version. You will also know if there are any problems with your application form at once. The last benefit that you will receive is knowing that you are helping the federal government to save money.
Since all student loans have associated records maintained of the money that you have used, you will need to work out some way of re-paying the student loan. The FAFSA form will provide you with the information you need to work out re-paying your student loan on time and in an efficient way.