Tips For Securing a Poor Credit Student Loan

The poor-credit student loan can help save your education even if you have incurred bad credits as a student. You can find several financial organizations and government institutions that can help you acquire funds to support your education. Although it is not very good for students to have bad credits while studying, these situations happen frequently especially with the high demand of funding for higher education. The student loan organizations do their best to help students overcome their financial hardships and at the same time assist them in securing a brighter future.

Getting a poor credit studying loan can be successfully done by asking a friend or family member to co-sign with the loan agreement. Anyone with good credit record can be able to for you to become eligible for a student college loan even if you have a bad credit. This can also help you get favorable terms for your loan depending on the credit record of the co-signed partner. However, you should also be aware that the co-signed party also holds the responsibility to pay for the borrowed amount.

You can also inquire if the local bank that you have an account has student college loan programs. If you have a good record on your account, it is more likely that the bank would be able to provide your financial needs. Private lending institutions are also available to help you gather education funds even though you have a poor credit record. However, expect that the interest rates that they would implement on your loan would be much higher as compared to the standard loan rates. Make sure that you have carefully read the terms and conditions prior to signing any contract.

A poor credit studying loan can also be combined with any other existing loans. Aside from getting lower interest rates that already applied to your previous loans, this can help you in processing your loan without the hassle of repeating the necessary requirements. The lending institution may require you to present another person to co-sign the agreement for you to be able to get low rates.

3 Key Tips for Securing and Succeeding in Your Internship

Tip 1: Choose your internship wisely

Do not stand for any old internship. You must aim for an internship that best suits your career ambitions. I have seen many students and graduates simply accept an offer to then end up quite literally serving as tea boy or coffee maid. Unless this is the only way into the organisation or industry of your choice, avoid such internships. The whole point of the internship is to provide you with skills you could otherwise not obtain. Serving teas and coffees is something you can do in your spare time and even be paid for it. There are many unscrupulous organisations out there who dangle the carrot of the internship in front of students and graduates who are however only interested in cheap (or free!) labor.

Tip 2: Get the internship you want

This tip follows from the previous one. The first step is to identify potential internship providers, the second is to ensure you get the internship. The advice here conforms to general advice on how to secure a job, however, with some added insight into how this might work for you as a student or recent graduate.

If possible, draw the employer’s attention to work you did while at college/university. I always advise my dissertation students to use their dissertations as exemplars of what they are capable of and furthermore to demonstrate knowledge of an industry, product, market etc. If you have yet to start your thesis then consider how you might use this to promote yourself in future.

Be creative in drawing attention to yourself. A recent example was a graduate who found out when employees at a particular firm had their lunch break. The student prepared labels for coffee cups with a brief version of his CV. He then bought a round of coffee, added the labels to the cups (the labels were professional looking by the way) and delivered them to the organisation. He got an interview and the job!

Tip 3: Make a good impression

This one is tricky. You obviously want to shine in your role as intern (at least I hope you do). The only danger here is that you may step on others’ toes. This has happened a number of acquaintances. If you are joining a high-flying organisation with a culture of commitment then your efforts to shine are likely to be rewarded. Bear in mind though that not all organisations work like this. In fact, one of the realities of organisational life is that things are often a lot less orderly and ‘business-like’ than you might expect. Spend the first week or two just getting a feel for how things are done before you try to make changes to the status quo. Believe me, no-one likes a know-it-all even if your suggestions make sense. No-one likes the employee who works harder than all the rest thereby shining a negative like on co-workers. By all means, get recognised, but do so smartly without upsetting the rest of the crew.

5 Tips for Securing Your Open Source CMS

Recently, one of my clients that uses an open source content management system (CMS) was hacked several times. I’ve talked about CMS’s in the past. But I’ve not really talked about the fact that open source CMS’s are prone to hacking by hackers.

Well, they are. That’s the ugly truth. Even with a heavily customized open source CMS (like the one my previously mentioned client is using), the sites are very prone to hacking. Mainly because anyone can view the code and search for vulnerabilities in it.

Given my recent experience, I’ve been doing a bit of research on the subject of securing your site from hackers. Here are five tips on securing any CMS against hackers. Some of these I was already implementing on my client’s site, some I was not.

1. Rename your admin file

Many open source CMS’s use simply named admin files, often called admin.php. Rename it to something like mysitebackend.php.

The only trick to this is now you have to rename all references to it in other files in your CMS. What you need to do is use a program that can search multiple files for the old name, admin.php, and replace it with the new name, mysitebackend.php.

For Windows, a good free program that has that capability is SciTE. If you’re using a Mac, a good one is TextWrangler.

2. Don’t publicly link to your admin file

This one is pretty simple. Don’t put a link out there to your newly renamed admin file for all to see. The most secure (but arguably inconvenient) way is to not link to it anywhere at all, but simply bookmark it in your browser.

3. Delete unused features

This is one I was guilty of not doing on my client’s site. Don’t just disable modules/features that you aren’t using (and have no plans to use). Delete them altogether.

Often the security holes that a hacker finds are in something that you’re not using on your site anyway. If the files aren’t there for him to access, he won’t be able to use that particular method to hack his way in.

4. Use strong passwords

The longer the password and the less like normal English it is, the better. It’s somewhat likely that your system has a maximum number of characters for a password. On many systems I’ve encountered, the limit is 10 characters. I encourage you to have a password that is as long as allowable if your limit is something small like that. Your password should ideally be 10-20 characters in length. The best passwords have numbers and both lowercase and uppercase letters.

5. Keep up-to-date on upgrades

The nice thing about many open source CMS’s is that they have a good community and security holes are found and patched. While you may not want to upgrade to a new release just as soon as it is released (give them a week or two to find any obvious security issues), keeping up-to-date on your software will help immensely.

Unfortunately, sometimes this is much more difficult than it sounds. This is especially the case if you have an extremely customized site where you’ve extensively modified the original CMS. In these cases, you need to find software that will compare files (your customized version and the latest upgraded version) and show you a line-by-line difference. You’ll then need to manually move the modifications over.

A good file to use if you want to compare differences in files on your Windows machine is ExamDiff. On a Mac, the aforementioned TextWrangler will take care of the job.

Unfortunately, even with all of these methods, you can still get hacked. Next time we’ll look at what measures to take before and after you’re hacked to prepare for that eventuality.