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How to Make Better Shopping Decisions

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While some people consider shopping to be an agonizing experience, others consider it a leisure activity. Irrespective of what your opinion is about shopping, poor shopping decisions can lead to a loss of money and time, and you could end up with low-quality products. But, how can you make sure whether the product you’re buying is high in quality or suitable for you? And what are the criteria to determine that you’re buying the right thing? If you’ve been struggling due to poor shopping decisions, it is time to turn it around with these useful tips.

1. Focus on Features and Efficiency

This is specifically applicable to investments in technology. Buying a new phone should not be influenced by the desire to buy the latest model. Instead, look for the ideal model by deciding whether it is fulfilling your objectives to get a new phone. For example, if you need a phone that fits in your pocket, it is unwise to buy the latest model that is bulkier or longer. Moreover, don’t buy it for the sake of the brand name. Conduct thorough research and narrow down your options after comparing plausible features. Buy a model that fulfills all criteria.

2. Read and Compare Reviews

This goes without saying. If you’re planning to invest in an expensive item, it is wiser to read and compare multiple reviews before choosing the final item. There are multiple websites, YouTube videos, and social media platforms that provide legitimate reviews that will help you make the final decision for a particular item. If you can, find and talk to people who have already used this item before, and ask for their recommendation. If you’re purchasing the item from an online store, chances are that you’ll find user reviews on that site. By comparing multiple reviews, you’d know whether the item is worth investing in or not.

3. Look for Shopping Catalogues for Bad Credit

If you’re a customer with a bad credit history, chances are that you’ll be rejected in high-end catalogue stores upon applying. The good news is that catalogues for poor credit exist, and you can now purchase these and get a second chance to make amends. Most of these catalogue companies offer a ‘buy now, pay later’ deal, which enables people to manage their finances. Look for a similar company in your region and enjoy the perks of shopping with a poor credit score. But, make sure that you repay your debt and sort your finances.

4. Don’t Go ‘Last Minute’ Shopping

As you can guess, last-minute shopping decisions are always made in haste and often poor. If you’ve received an invitation to a party a few weeks ago, do not wait until the last minute to go shopping, expecting to find the ‘perfect’ dress. Be prepared beforehand and buy your outfit at least a week in advance. More importantly, be flexible and do not expect an ideal outfit with a certain design, color, and fit. Since it is last-minute, you won’t have much time to explore all options; you will have to go with whatever seems remotely suitable for the event. Avoid this by being prepared beforehand and giving yourself a buffer period to buy what you actually want.

5. Calculate the Item’s Value Over Time

If you’re planning to invest in an expensive item that should work for at least a few years, calculate its value by dividing it into the money spent on it yearly, monthly, weekly, and even daily to know its true worth. For instance, if you’re planning to buy a mattress, check its warranty period (it’s usually ten years). Divide the amount you’re spending on it per year, month, week, and day. Assuming that it costs around 27 cents to sleep on a comfortable mattress every day, which is much less than a soda can, it is definitely worth the buy.

6. Consider Needs Over Wants

One of the main reasons for making poor shopping decisions lies in prioritizing wants over needs. When you’re out shopping and notice an enticing object, you’re immediately compelled to buy it. If this happens many times in a year, you’re burning a huge hole in your pocket and accumulating things that you don’t really need. Before buying an item, ask yourself whether you actually need it and what needs it would fulfill. Be honest. If the item is a want and not a need, refrain from buying it. Occasional indulgences are not an issue but don’t make it a habit.

With these tips in mind, you can easily become a well-informed shopper and begin making better buying decisions in no time. It will not only save you money and time but also a lot of energy. Now that you’re prepared, it is time to go on a spree. Happy shopping!



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New Mexico Student Loans: Pay for College in New Mexico

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Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

If you’re planning to attend a college or university in New Mexico, there are several options that could help you pay for it — including scholarships, grants, and New Mexico student loans.

Whether you’ll be attending Central New Mexico Community College, the University of New Mexico, New Mexico State University, or any of New Mexico’s other schools, you can expect to spend about $6,807 per year on average for in-state tuition.

Here are four ways to pay for school in New Mexico:

  1. Start with scholarships and grants for New Mexico students
  2. Apply for federal student loans
  3. Use private student loans to fill in the gaps
  4. Consider New Mexico Loan-For-Service Programs

1. Start with scholarships and grants for New Mexico students

If you need to cover education costs, college scholarships and grants could be a great choice since you won’t have to pay them back.

Here are some scholarships and grants available specifically for New Mexico students:

If scholarships and grants don’t fully cover your education costs, federal or private student loans could help fill any gaps left over. Just remember to consider how much these loans might cost you in the future so you can prepare to pay them back.

You can find out how much you’ll owe over the life of your federal or private student loans using our student loan calculator below.

Enter your loan information to calculate how much you could pay

Total Payment
$

Total Interest
$

Monthly Payment
$

With a
$
loan, you will pay
$
monthly and a total of
$
in interest over the life of your loan. You will pay a total of
$
over the life of the
loan, assuming you’re making full payments while in school.


Need a student loan?
Compare rates without affecting your credit score. 100% free!

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Checking rates won’t affect your credit score.

Learn More: How to Get a Student Loan for Online College

2. Apply for federal student loans

If you still need to borrow money for school, federal student loans are a good place to start. This is mainly because they come with federal benefits and protections, such as access to income-driven repayment plans and student loan forgiveness programs.

Tip: To apply for federal student loans, you’ll need to fill out the FAFSA. Be sure to submit it as soon as possible to get the most financial aid you can.

Here are the main types of federal student loans you might be eligible for as a New Mexico student:

  • Direct Subsidized Loans are available to undergraduate students with financial need. The government pays the interest on these loans while you’re in school, which means you won’t have as much to pay back later.
  • Direct Unsubsidized Loans are available to both undergraduate and graduate students regardless of financial need. Unlike subsidized loans, you’re responsible for all of the interest that accrues on these loans.
  • Direct PLUS Loans come in two types: Grad PLUS Loans for graduate students who need to pay for grad school and Parent PLUS Loans for parents who want to pay for their child’s education. Keep in mind that PLUS Loans come with higher interest rates than subsidized and unsubsidized loans. They also require a credit check.
Loan typeWho qualifies?
Interest rates
(2020-21)
Loan limits
Direct Subsidized LoansUndergrad students with financial need2.75%*$3,500 to $5,500 per year
Direct Unsubsidized LoansUndergrad, graduate, and professional studentsUndergrad: 2.75%*

Graduate and professional: 4.30%*

Dependent undergrad: $5,500 to $7,500 per year ($31,000 total limit)

Independent undergrad: $9,500 to $12,500 per school year ($57,500 total limit)

Graduate and professional: $20,500 per year
($138,500 total limit)

Direct PLUS LoansParents, graduate students, and professional students5.30%*Cost of attendance minus any other financial aid received
*Federal student loan rates for the 2020-21 academic school year.
Keep in mind: The student loan limits in the table above are maximum limits. The actual amount you might qualify for will depend on your FAFSA results, which will factor in your Estimated Family Contribution (EFC).

After you submit the FAFSA, your school will send you a financial aid award letter explaining the amounts and types of federal student loans you’re eligible for.

Check Out: Is My College Housing Covered by Financial Aid?

3. Use private student loans to fill in the gaps

If scholarships, grants, and federal student loans don’t fully cover your costs, private student loans could help fill any gaps left over. Depending on your credit, you might get a lower interest rate on a private student loan than on a federal student loan.

If you’re considering federal vs. private student loans, also note that private loans generally don’t offer the same amount of benefits and protections (such as access to income-driven repayment and student loan forgiveness programs) as federal loans.

Keep in mind: Unlike most federal student loans, you’ll need to have good to excellent credit to potentially qualify for a private student loan. Some lenders offer student loans for bad credit, but these generally come with higher rates than good credit loans.

If you can’t get approved on your own, you could also consider applying with a creditworthy cosigner. Even if you don’t need a cosigner to qualify, having one could get you a lower interest rate than you’d get on your own.

Before taking out a private student loan, be sure to shop around and compare as many lenders as possible to find the right loan for you.

Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes. Each of the lenders in the table below is a Credible partner available to New Mexico residents.

LenderFixed rates from (APR)Variable rates from (APR)Loan terms (years)Loan amounts
ascent3.30%+2.40%+5, 7, 10, 12, 15, 20
(depending on loan type)
$1,000 – $200,000
citizens3.99%+11.19%+15, 10, 15$1,000 – $350,000
(depending on degree)
collegeave3.34%+2,31.04%+2,35, 8, 10, 15$1,000 up to 100% of the school-certified cost of attendance
edvestinu4.07%+72.00%+77, 10, 15$1,000 – $200,000
mefa3.75%+N/A10, 15$1,500 or $2,000 up to school’s certified cost of attendance
(depending on school type and minus other aid received)
4.25% – 12.35%91.25% – 11.10%95, 15Up to 100% of the school-certified cost of attendance
Compare rates without affecting
your credit score. 100% free!

Compare Now

Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available | 1Citizens Bank Disclosures | 2,3College Ave Disclosures | 7EDvestinU Disclosures | 8INvestEd Disclosures | 9Sallie Mae Disclosures

Learn More: Coding Bootcamps: Average Cost and How to Pay

4. Consider New Mexico Loan-For-Service Programs

There are some professional-level jobs in New Mexico that are in particularly high demand, such as:

If you’re interested in one of these programs and are sure you’ll stay in New Mexico after graduation, then you might consider looking at the state’s Loan-For-Service Programs.

How does it work? These programs offer special loans to professionals who agree to practice for a designated time in a shortage area after they’ve graduated.

For every year of service, a portion of your loan will be forgiven. If you complete your full time of service, the program will forgive 100% of your loan.

Check Out: On-Campus vs. Off-Campus Costs

Students in New Mexico have plenty of options to pay for college

Whether you’re attending community college, a trade school, or another type of New Mexico school, using a mix of these strategies could help you pay for college.

Tip: Most students end up with a mix of both federal and private student loans to cover their costs. It’s typically a good idea to start with scholarships, grants, and federal loans before turning to private loans if you have leftover costs.

If you decide to take out a private student loan, remember to consider as many lenders as you can to find a loan that suits your needs. Credible makes this easy — you can compare multiple lenders in two minutes after filling out just one form.

Compare student loan rates from top lenders

  • Multiple lenders compete to get you the best rate
  • Get actual rates, not estimated ones
  • Finance almost any degree

See Your Rates
Checking rates will not affect your credit

Keep Reading: Low-Interest Student Loans

About the author

Lindsay VanSomeren

Lindsay VanSomeren

Lindsay VanSomeren specializes in credit and loans and is a contributor to Credible. Her work has appeared on Credit Karma, Forbes Advisor, LendingTree, and more.

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Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom | Fintech Zoom

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Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom

Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM

Almere, The Netherlands
February 25, 2021, 6 p.m. CET

ASM International N.V. (Euronext Amsterdam: ASM) today reports its fourth quarter 2020 operating results (unaudited) in accordance with IFRS.

Strong quarterly results driven by continued logic/foundry demand

FINANCIAL HIGHLIGHTS

EUR million Q4 2019 Q3 2020 Q4 2020
New orders 429.0 303.4 378.7
Revenue 400.6 314.6 346.6
Gross profit margin % 51.5 49.9 45.2
Operating result 130.9 83.9 77.5
Result from investments (excluding amortization intangible assets resulting from the sale of ASMPT stake in 2013) 6.4 6.3 27.1
Amortization intangible assets (resulting from the sale of ASMPT stake in 2013) (3.5) (3.0) (3.0)
Net earnings 104.5 58.1 79.1
Normalized net earnings (excluding amortization intangible assets resulting from the sale of ASMPT stake in 2013 and result from sale of ASMPT shares) 108.0 61.2 82.1
  • New orders at €379 million were 25% above the level of last quarter.
  • Revenue for the fourth quarter 2020 was €347 million and increased 10% compared to the previous quarter due to stronger market demand.
  • Gross profit margin was 45.2% in Q4 2020 compared to 49.9% in the previous quarter which had an exceptionally strong mix.
  • Operating result was €78 million compared to €84 million in the previous quarter, mainly due to mix effects and higher R&D and SG&A costs.
  • Normalized net earnings for the fourth quarter 2020 were €82 million, €21 million higher compared to Q3 2020, due to the higher contribution of ASMPT, mainly caused by one-off effects.

COMMENT

“2020 was another year of strong performance for our company. In a year dominated by the COVID-19 pandemic, the global ASM team demonstrated tremendous commitment and execution,” said Benjamin Loh, President and Chief Executive Officer of ASM International. “In the fourth quarter, we realized revenue of €347 million which was at the high end of the guidance of €330-350 million and up 10% from the level in Q3. The revenue level was again driven by continuous high demand in the logic/foundry segment. Our Q4 order intake, at €379 million, was up 25% from the level in Q3 and substantially higher than our guidance of €340-360 million, driven by strong demand in logic/foundry. For the full year, revenue was €1,328 million, a year-on-year increase, excluding the litigation proceeds in 2019, of 18%.”

OUTLOOK

For Q1, on a currency comparable level, we expect revenue of €380-€400 million, while we expect our revenue in Q2 to be at the same level. Q1 bookings, on a currency comparable level, are also expected to be in the range of €380-€400 million.

Based upon the current market developments, the wafer fab equipment (WFE) market is expected to grow by a mid-teens percentage in 2021. While it is currently too early to provide guidance for the second half of the year, ASM is well positioned for another year of healthy growth in 2021.

SHARE BUYBACK PROGRAM

On June 2, 2020, ASMI announced the start of the €100 million share buyback program. As of December 31, 2020, 63.8% of the share buyback program was completed at an average share price of €132.63.

DIVIDEND PROPOSAL

ASMI will propose to the forthcoming Annual General Meeting of Shareholders (AGM) 2021, to declare a regular dividend of €2.00 per common share over 2020. The regular dividend increases 33% compared to the regular dividend paid over 2019 (€1.50 regular dividend, excluding €1.50 extraordinary dividend).    
  

About ASM International

ASM International NV, headquartered in Almere, the Netherlands, its subsidiaries and participations design and manufacture equipment and materials used to produce semiconductor devices. ASM International, its subsidiaries and participations provide production solutions for wafer processing (Front-end segment) as well as for assembly & packaging and surface mount technology (Back-end segment) through facilities in the United States, Europe, Japan and Asia. ASM International’s common stock trades on the Euronext Amsterdam Stock Exchange (symbol ASM). For more information, visit ASMI’s website at www.asm.com.

Cautionary Note Regarding Forward-Looking Statements: All matters discussed in this press release, except for any historical data, are forward-looking statements. Forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. These include, but are not limited to, economic conditions and trends in the semiconductor industry generally and the timing of the industry cycles specifically, currency fluctuations, corporate transactions, financing and liquidity matters, the success of restructurings, the timing of significant orders, market acceptance of new products, competitive factors, litigation involving intellectual property, shareholders or other issues, commercial and economic disruption due to natural disasters, terrorist activity, armed conflict or political instability, changes in import/export regulations, epidemics and other risks indicated in the Company’s reports and financial statements. The Company assumes no obligation nor intends to update or revise any forward-looking statements to reflect future developments or circumstances.

This press release contains inside information within the meaning of Article 7(1) of the EU Market Abuse Regulation.

  
ASM International N.V will host an investor conference call and webcast on Friday, February 26, 2021, at 15:00 p.m. Continental European Time (9:00 a.m. – US Eastern Time).

The teleconference dial-in numbers are as follows:

  • United States:          +1 646 7413 167
  • International:            +44 (0) 8444 819 752
  • The Netherlands:     +31 (0) 20 79 566 14
  • Access Code:          9692511

A simultaneous audio webcast and replay will be accessible at www.asm.com.

CONTACT

Investor and media contact:

Victor Bareño
T: +31 88 100 8500
E: [email protected]

Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM

Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom

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Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts | Fintech Zoom

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Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts

By Daniel Tay · February 25, 2021, 4:46 PM EST

Menard can’t get sales tax offsets based on uncollectible debts from purchases made on its private-label credit cards because the debts were owed to Capital One, the card-issuing bank, and not…

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Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts

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