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Responsible or Not
By: Paul Palacios
A credit card is a pathway to
independence, but with independence
comes responsibility. The majority of
young people lack responsibility and
tend to spend money foolishly. Credit
cards are a responsibility that you take
on in your life as you mature into
adulthood. As young adults we have
many tests in life whether it’s taking
care of a pet or maintaining a credit
card. If we pass these tests it shows
that we can handle responsibility.
The interest rate on each
credit card varies, but the responsibility that comes with it doesn't. If you
aren't responsible and don't pay your
bills on time you will face late fees
that could hurt you economically and
hurt your credit score. For example,
the Chase Freedom credit card has an
interest rate of 13.9922.99 percent and a zero
dollar annual fee; whereas
according to www.creditkarma.com
the credit card with the lowest interest
rate is Discover It, with an interest
rate of 10.99% to 22.99%. Card holders also receive five percent cashback
in categories like travel, gas, and groceries. An advantage that the Discover It credit card has is that it has no
annual fee, over limit fee, or foreign
transaction fee. The only thing that
could affect you getting the credit
card is having bad credit. Your credit
can't just be average, it has to be excellent.
Not being responsible for
your charges will hurt your credit
score which in turn will hinder your
chances of purchasing a vehicle
which at a high school age everyone
wants.
The main characteristic that
credit card companies look at is your
credit and how you have maintained it
throughout the years, so applying for
a credit card isn't an easy deed. If you
plan on getting a credit card you
should really be careful and read all
the details that the credit cards offer.
Credit cards should be given to young
adults, if they demonstrate responsibility to their parents. A credit card is
a privilege, therefore you should think
twice before you opt to pick one up.
The Drivers Test
By: Farah Benamar
As the high school students come of
age, a great deal of students at Harmony School of Discovery are getting their
driver’s
license.
Once Driver’s Ed is
over with and your
six month permit
expires, the only
step left in the process is taking the
Drivers Test. The Driving Test is a major stepping stone, and there are numerous details you should know before