European Stars and Stripes (Newspaper) - July 8, 2007, Darmstadt, Hesse July 2007 stars and stripes Page 29 your Money not easy to balance financial Burden with College workload dear Liz in a third year student at a Public uni sighted As overdosing on but youre my parents pay for tuition and All the one paying the so youll have to decide for other expenses food Are on i took out one student loan for less than my first semester As a freshman and Haven taken one out i work almost full time but still Man age to go to class and make Good its been increasingly stressful and difficult to do Well in my classes because of my work Ive had to take a lighter course Load As a re it would be easier to take out another loan to supplement my costs and reduce my working but in hesitant to get deeper i i have no credit card balances and have dear Liz its my understanding that a car depreciates rapidly As soon As you drive it off the How is it then that some say you May have equity in your car cars dont appreciate in answer equity and appreciation Are two differ ent but youre not the Only one who con plenty of Novice real estate investors have Learned the same thing equity is simply the difference Between what something is Worth and what you owe on so if your car is Worth and you owe been paying the interest plus some Princi Money talk on your Auto you have equity pal on the which Ive whittled Down to about should i keep working hard and graduate with Little or no or is it time to throw in the Towel and be Able to work less and study More answer As someone who also worked nearly full time while attending let me offer this advice strongly consider Tak ing out another you clearly dont want to be one of those poor saps who drowns himself in student loan debt he cant and youve been smart to avoid credit card but you dont want to drive yourself nuts trying to avoid a Small amount of potentially tax deduct Ible debt that could help you graduate earlier or at least enjoy the College experience a bit a Stafford student loan of the current limit for College seniors would Cost you about a month to repay Over 10 assuming the cur rent fixed percent interest add in your cur rent debt and youd still be paying less than a in As in Many areas of the key is Moder avoiding debt entirely can be just As Short Liz Pulliam Weston in the vehicle of your equity in a car can but Only if you pay Down the loan More rapidly than the cars value de if you pay off the loan within a for and the cars value de Clines to your equity would grow from the original to dear Liz i have four credit cards with a total credit limit of How much of each cards limit can i use before i Hurt my credit scores Ive heard the Maxi mum is 30 is that True answer in the less of your credit limits you use on each the better it is for your credit which Are the three digit numbers lenders use to gauge your creditworthy using no More than 30 percent of the limit on each card and paying the balance off in full is a Good Way to keep your scores if youre try ing to boost your keep the balances below 10 percent of your Liz Pulliam Weston is the author of the books your credit score and Deal with your both published by Prentice questions for possible inclusion in her column May be sent to 3940 Laurel Canyon studio or via the Contact Liz form at distributed by no More red fridays Market summary Exchange rates indexes 52week net Ltd 52wk High Low name last chg Dow Jones industrials Dow Jones transportation Dow Jones utilities nose composite amex Index Nash a composite Russell 2000 do Wilshire 5000 1 nose amex Nash a most Active or More name last Active or More name last Active or More name last chg Micron 405528 forum 379082 target 298124 Geneles 231544 timeworn 228330 Pfizer 218509 Exxon by 212580 pm cup 204761 and 198850 Hilton 198168 684738 ishr2knya 325581 Presho Rqn 142785 up fact 127464 spongy 114155 do Vadlam 79333 Semi her 63931 Sutil 62212 Goldstro 55318 oils vat 54546 655880 push Sqq 603609 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Denmark Egypt Hong Kong Hungary Israel Japan Kuwait Norway Philippines Poland saudi Arabia Singapore South Korea Switzerland Thailand Turkey new military Exchange rates Are those available to customers at military Bank ing facilities in the country of issuance for South the Netherlands and the United for no local currency Exchange rates purchasing British pounds in Germa Check with your local military Bank ing commercial rates Are inter Bank rates provided for reference when buying All figures Are foreign currencies to one except for the British which is represented in and the which is precious metals new York Marc dose Gold Silver interest rates prime discount Federal funds Market 3month 30year sources the associated Bank of America Tattoo visible Ink can bring a lifetime of Job difficulties from Page 28 like most people with multiple realizes theres a line that is dangerous to while his legs and much of his Torso Are covered with his neck and face Are tattoos Are a Choice you and you have to live with your he at Devotion Tattoo in a police officer recently came in with his Short sleeved uniform top to make sure the Tattoo he received would not extend below his reported store Man Ager Chava the shop tattoos a lot of she who work with the shops artists to make sure their body Art can be hidden on the Shaun who owns Defi ant Ink Tattoo shops in said Many of his customers who want Large tattoos wind up Down sizing their concept so the tattoos dont show in work if anyone wants a Tattoo on the hands or we give them a 15minute lecture on How it will be there the rest of their most people dont need the lec they already know a Tattoo that cant be easily covered will drastically Cut Down on their Job and there from an employers some customers May be but a lot said Peter a compensation and benefits manager at the University of Thomas in and a spokesman for the society for human re source employers cant afford to lose business because a Guy has some thing tattooed crawling up his Ronza perception is and people make Deci Sions based on but As trends come and perceptions Ronza Cit ing the increasing number and acceptance of High powered corporate men with pierced if More people Wear particularly people who eventually move into positions of Respo Sibil tattoos will be More Eric a University of Florida clinical psychologist who coauthored a 2003 study of tattooed College but just because some tattoos May be accepted in the work place Doest mean All will theres a difference Between a Dainty Butterfly and a Cross with Storch people make a Choice about How they present 0nts and sensibility Money tip of the Day think before you move Market watch new York so your employer has asked you to move to another Job in another re Sist saying yes in find out precisely whats being offered to its easy to underestimate the adjustment that a move will Here Are four questions to ask before agreeing to relocate will you face a significant costo living increase before you pick up and do the will the raise youre being offered really net you More Money or will the extra income be eaten up by higher costs of Liv ing the sacrifice youre making for the company should be reflected in your if it its time for you and your employer to sit Down at the bar gaining agreeing to move to a lowermost area of work in your How will moving affect your Quality of life would Relo Cating allow you to afford a nicer House does the neighbourhood have better schools is your new Home closer to your extended family it May be Worth accept ing less in the Way of remuneration if you and your family stand to Benefit from the move in other How will the move affect your family if youre keep in mind that the area youre relocating to needs to offer Good employment opportunities for your spouse As your children May also be less than delighted with the idea of changing schools and leaving friends so determine whether disrupting their lives is Likely to pay off in the Long do you like your new Job before accepting the new Posi its important to under stand the precise nature of your new what Are your duties whom will you report to do you get along Well with your col leagues keep in if the chemistry is off Between you and your immediate the new position is unlikely to help your
