Man dressed as a woman accused of crashing into shop (AP)

AP - Police say a man dressed as a woman repeatedly crashed his car into a suburban Detroit lingerie store that had refused to hire him earlier this year.

The use of bank cards are not only restricted to the income-earning population of any country. Nowadays, students are issued student credit cards to introduce them to the wonders of a cashless society. They can enter into this amazing world of credits and get real training.

The introduction of student credit cards gives students many advantages. For them it spells total convenience, safety, time saving and learning all about discipline at a younger age. The students also need not worry about learning how to use plastic cards because most card suppliers include guides to help them understand all about it.

With the advent of the powerful plastic, students will be spared from carrying cash around. At the same time, this helps them learn priceless lessons on understanding the concept of credit cards, its proper use as well as the consequences they have to pay when they are reckless and irresponsible in the way they handle their finances.

Student credit cards are an excellent tool to help the students gain hands-on experience and knowledge about all the advantages and disadvantages they can use in the future. It is a common knowledge that experience is the best teacher and with each transaction that the students use the card as a mode of payment, they will learn something new.

Time is a valuable asset. Using these cards help the students save precious time. Instead of going to the shops and merchant outlets to buy things they need for school, they can simply browse in the internet ,order stuff online and have it delivered at their doorstep without paying extra charges. Think of the time they saved using the cards to pay for online transactions. This is total convenience.

Student credit cards can also help students get access to instant cash when emergencies arise, or when they require short term loans. As students, these kinds of emergencies may arise anytime and it is better to be prepared. As long as the students know the importance of paying their loans and bills on time, much burden can be lifted from their shoulders.

When students use plastic money, they can avail of discounts and rebates offered by establishments for purchases and transactions done. Money is an important aspect in a student's life and the student can use every penny that comes in, even if it is in rebates and offers.

Students get the necessary training that they need. When they get out of school and into the real world, they are already well-versed and knowledgeable about credit cards. They will learn the value of discipline during their student lives that when they finally get a card, they will learn to enjoy it since it has fewer restrictions and more freedom.

All the lectures in business school cannot come at par with the actual knowledge gained in using actual plastic. There is a whole world of difference between theory and actual application about student credit cards. It should be a must for students.

If you are looking for advice on credit card consolidation or credit card debt relief or consolidation credit cards, visit us now. Credit Card Consolidation Secrets is a goldmine for information on all aspects of credit card consolidation.

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Swift, Pickler, win big at CMT awards (AP)

AP - Taylor Swift won video of the year and female video for her smash "Our Song" while newcomer Kellie Pickler took home three awards during Monday's Country Music Television awards. "I wrote that song in the 9th grade for a talent show," said the 18-year-old Swift, who won the night's top honor over Kenny Chesney, Brad Paisley and Sugarland.

To get most out of balance transfer credit card strategies here is something you may want to put into practice today.

When credit card companies issue 0 APR cards and you transfer the balance, that balance (which was previously costing you money in interest charges) is now interest free (for a while). However, all the repayments you are making to your new card only serve to pay off the 0 APR portion of the debt. If you actually use the new card for purchases or to get cash that will attract interest, and that portion is not paid off by your monthly installments. This is a sneaky way for the banks to make more money by only letting you reduce the 0 interest debt, not the 15% interest debt or whatever it is - you'll find this in the small print.

There are two ways to avoid this issue. The first is not to make any goods purchases or draw cash at all with the card after you've made the balance transfer. You must treat this card solely as a card for handling your transferred balance - you should literally not use it for anything else. This may be difficult though, because it means you can't actually use the card when you want to and as you have been used to!

An alternative approach would be to use two cards. One would be the card with the 0 APR transfer rate and the other would be another card with a 0 APR or low APR, or even a rewards program. It would work like this:

1. First choose your zero-percent card and make sure that there are no hidden charges or annual fees.

2. Transfer your old balance to this new card and try to pay as much of this balance off per month as you can. Remember this balance now attracts no interest for the number of months stated by the issuer of this particular card - but it still has to be paid off! If you can't pay off the entire balance, you can always transfer the balance again to another card when the time comes (at the end of the 0 APR period), so remember to transfer your balance as that time approaches.

3. Find a second credit card that you can use in the normal way for purchases, etc. You might even want a card with a cashback rewards system of some sort. You certainly want a card with a low APR rate or even a 0 APR rate on purchases as well as cash.

By doing this you've established a good debt management program for yourself. You've taken a big sum of money, moved it to a 0 APR card, and set up a repayment plan. You also have a second card which means you'll be able to carry on as normal. Do bear in mind, though, that you do need to stick to the repayment plan you've decided is best for you.

Gordon Goodfellow's sites automatically allow you to save money by transferring your credit card balance: Best Balance Transfer Credit Card Deals and the U.K. site is Best Balance Transfer Credit Card Deals.

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