Valedictorian of my class for the previous four years. Likewise‚ for the past two years I have also been a dual credit student through McLennan Community College. Being a part of this program has been extremely beneficial for many reasons. One of which is that it has allowed me to receive an entire year advancement on my college education. Another benefit of my enrollment in dual credit is that unlike other students looking to attend a university I already know what to expect and the best way to succeed
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Both commercial banks and credit unions provide loans and accept deposits‚ in addition to a variety of other services to businesses and consumers. In your own words‚ what sets them apart from one another? Who do they service and how do their mission statements differ? Research a website from both a credit union and a commercial bank. How would you use them for business purposes and personal needs? Although Banks and Credit Unions are both financial institutions‚ they both have similarities such
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Credit Education for College Students Credit history is a record of someone’s payments to creditors‚ and it is tracked and updated by three major credit reporting bureaus: Experian‚ Equifax‚ and TransUnion. Credit history is expressed in a three-digit number‚ and it is also known as a FICO score. This score is tied to consumer’s social security number‚ so different companies can request a credit report every time person is trying to get a loan‚ a new contract on a cell phone‚ or an insurance quote
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English 11 15 Oct. 2012 What are Credit Hours? There are many important things to be gained while at college; one thing that reflects what you have gained is the number of credit hours you have. Credit hours are helpful and necessary during a student’s college career. Credit hours serve many purposes. There are varying opinions on how many credits a student should take per semester. Credit hours are important during a student’s college career because they serve as a measurement‚ determine if
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interested in the welfare of your credit union. It also means that for some of you with the willingness to ask the pertinent - Why‚ What‚ How questions ? Why is the AGM so late? What is the status of our new head office and when will it finish? How is it that we?re only getting ah 4% dividend? My answer to you will be simple: I mean to tell you how our credit union is doing and highlight some suggestions to build on sixty-three (63) years of progress and continue moving our credit union forward. Since the
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The most important advantage of using a credit card is convenient. People can use credit card buy anything everywhere. For example‚ supermarket‚ drug store‚ clothes store‚ shopping center‚ restaurant….all general place are accepted a credit card. Moreover‚ people can remote purchase any products that they want‚ for it enables people to purchase products and services remotely via the internet or phone. When people using a credit card shopping by telephone or in the Internet can speed delivery and
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The law governing credit transactions is the Credit Agreement Act 75 of 1980 (hereinafter referred to as the Act) which replaced the Hire-Purchase Act 36 of 1942 as a result of Proclamation AG 17/1981 which states that “Subject to the provisions of this Proclamation‚ the Credit Agreements Act‚ 1980 shall apply to the territory of South West Africa.” The act regulates transactions where movable goods are purchased or leased on credit. It also applies to services rendered on credit. According to the
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The commoditization in the credit card industry According to the Brand Keys (www.brandkeys.com) Brand Survivability Assessment‚ American Express (# 20) is the only financial brand in the top 50 brands recognized by Americans . Credit cards have become a commodity. From a historical perspective‚ store credit cards were the "modern" thing when they were introduced as new and convenient. They provided an additional touch point for stores with consumers‚ and some actual continuity early on too. But
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In the current economic climate‚ many Americans have found themselves deep in credit card debt. Many people owe well over $2000 in credit card debt. Some people even owe $20‚000 or $50‚000 or even $75‚000 in credit card debt. Every day we receive even more offers for new credit cards at department stores and in the mail. If we are not careful with our spending‚ our credit can become a big problem. Credit cards are very useful in emergency situations‚ so it is good to have at least one. Put it away
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Bank vs. Credit union Choosing a bank or credit union can be tricky. A bank is a business that holds onto your money for you and uses it to create profits by investing that money‚ and loaning it out to other customers. In a credit union when you deposit your money you’re actually buying shares of the company. Rather than being a customer‚ you’re part “owner”. They both have checking and savings accounts including CDs and specialize accounts. You can deposit your checks and withdrawal money from
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