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Many American universities are promoting car-free campuses by offering free bikes to students and charging hefty fees for parking permits. But, if your university has inadequate student housing facilities and limited public transportation service, you need a car to attend your classes.

When you decide to buy a car, you have to undertake the process of auto financing. It is because most of us don’t have enough spare cash to buy a car. Students are overwhelmed by the very thought of auto loans because they are buying a car for the first time and they don’t know much about it. But, if you understand the following factors that are considered by lenders, you will realize that getting approval on student auto loan is easy as ABC.

A for Approval Criteria

Even though lenders have different approval criteria, few things remain common like:
1. You must have aValid Social Security Number 2. You must be minimum 18 Years of Age 3. You must possess a Certificate of Enrollment(Proof that you are a Student of University) 4. You should earn Regular Income (Part-Time Job is Acceptable) 5. You should have Employment Proof (Employment Verification Letter is Satisfactory)

B for Budget

You must prepare a budget before starting your car shopping. It will enable you tonarrow down your list of favorite cars. Once you know your affordability, it will be easy to choose the best-in-your-range car model.

So, list down all your monthly expenses and income along with any allowance that you receive from your parents. Calculate the amount of money that you can spare for monthly payments. It will help you in selecting the ideal student car loan program.

C for Co-Signer

Anyone can be a co-signer as long as he/she has a good credit score and lower debt-to-income ratio. If your parents have lower debt and can manage the responsibility of your car loan, you can ask them to co-sign your student auto loan contract. Don’t worry if your parents stay in another state. Most lenders don’t have a problem with an out-of-state co-signer.

D for Down Payment

The down payment amount is helpful in reducing your loan amount and projecting a stable financial situation to the lender. But, most students don’t have enough cash to make down payment. So, you can ask your employer for an advance or convince your parents to lend you some money. You can even ask your parents to sell their old car to generate money. Trading the old car can also be an option for lowering the loan amount.

So, these are the factors that can help you in passing the test of student car loan with flying colors. Use them and get ready for easy auto loan approval.

Rapid Car Loans will make sure that your student auto loan program is affordable. The company provides special no credit auto financing solutions for those students who have not yet established credit history. Apply now and obtain a loan for first car today.

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Confused about buying a diamond? No worries, our 8 step guide can help you purchase a stunning diamond that fits your budget. Read on!

Choose your diamond shape

Not all diamonds are the same. The 3 popular diamond shapes include round, square and oval. Apart from these, you can also find diamonds in fancy shapes. So decide which shape you need and then proceed further.

Select your carat weight

When it comes to buying a diamond, carat weight matters a lot! The more the carat, the more the price of the diamond is. Be wise with your choice!

Cut quality

Another factor that impacts the beauty of diamonds is its cut quality. Always invest in excellent and well-cut diamonds.

Determine colour grade range

Diamond colour is measured using the GIA colour scale which ranges from D(colourless) to Z(light yellow) in colour. Colourless diamonds are rare and hence costs more. Most jewellery offer diamonds in the D to M colour range.

Choose clarity grade

When it comes to clarity, you need to look for diamonds that are free of blemishes. Eye clean diamonds are available in the VS1-VS2 range. It is recommended to choose VS2 in Emerald cuts, Asscher cuts and Baguettes. For best value, choose an SI1 or SI2 in Radiant cuts, Oval cuts and Pear shaped diamonds. Opt for a VS2 or SI1 in Heart shaped diamonds.

Compare similar diamonds

Don’t forget to compare similar stones! Once you have selected your favourite piece of diamond, it is important to compare. While comparing, consider aspects such as eye clean, attraction, cost etc.

Verify the certificate

Never miss out to verify the certificate! Always look for AGS and GIA certified diamonds. Don’t go for IGI, HRD and EGL certified diamonds as they are not reliable.

Always purchase from a physical store

Diamond purchase is not a silly matter. Hence we recommend you to buy diamonds from a jewellery shop in Dubai. Always purchase diamond jewellery from a reputed store. Don’t purchase diamonds online. When you buy diamonds from a jewellery store you can be more confident about the purchase.

Keep the above tips in mind, while you are hunting for diamond jewellery Dubai.

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Every new Forex trader seeks the same thing: optimal trades or results. While that is pretty simple to write, it is altogether far more difficult to practice and implement on a daily basis. Hence, if traders aim to make profits, they will have to practice the following principles zealously.

1. Custom Strategy For Trading: There are tons of systems on the internet which guarantee quick results. Ignore them. Create own customized strategy based on your experiences, the lessons you learned and ground them on the basis of some basic Forex factors.

2. Keep a Vigilant Check On Your Emotions: Losing your temper or being easily irritable is a one-way ticket to losing all of your money. Educate yourself on how to utilize the right emotions at various critical moments and be careful while making snap judgments.

3. Learn From The Past: Make a not of the factors and circumstances which play a significant role in influencing your orders as well as your views on how to tackle various situations. Constantly make a note of the fruits of your endeavor.

4. Treat Your Mistakes As Vital & Necessary Lessons: Breaking down and analyzing your own mistakes in an objective manner are a critical part in your journey to make successful trades. Once you make mistakes and learn from them, the experience gained will guide through future decisions.

5. Pinpoint Your Reasons For Trading: Trading is not meant to be taken up as a job meant to keep you busy. Formulate a solid set of motives to justify our decision to enter the world of Forex trading.

6. Don’t Be Too Influenced By The Opinion Of Others: While others might be trying to only help you, this kind of advice is unlikely to help you with Forex trading. You can refer to the tips provided by experienced traders from time to time, but do not revolve your entire strategy around them without analyzing in detail.

7. Base A Trade Around Your Level of Trust In It: If you are not able to comprehend a certain market situation, it is probably wide to wait for a more opportune moment. Do not open an order without understanding the ins and outs of the movement. If your gut instinct tells you not to trust something, avoid making a trade. It is better to pass on a few good trades rather than to make a really bad one. Just be patient and wait for the next opportunity to arise. The world is going to end tomorrow.

8. Don’t Bet Against The Tide: If you are entertaining the idea of bettering against the market, it is better if you get some more experience under your belt. If your aim is to make the most of short-term price fluctuations, experience helps you in judging the risks a bit better.

9. Know When to Stop: Be an objective judge of your own limits. One of the biggest factors to tackling the Forex market is to understand your own limitations and weaknesses.

10. Optimal Judgment Of Risk: Never overstretch your essential finances, just trade with what you can afford to lose and come back to fight on the next day.

11. Don’t Get Carried Away With Beginner’s Luck: Don’t lose your common sense after making some early trades which end up being successful. The Forex market is an unpredictable beast and can knock you down flat at any moment. Stay vigilant.

For Forex trading visit https://www.integratefx.com

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