If you didn’t know this already, there are better and less better times to be buying a house and/or invest in property. The interest rate is the lowest it has been in a decade in South Africa, does this mean that you should head out and capitalise on the market by investing in property right now? Due to the economic downturn that Covid-19 brought, the repo rate has been cut with a total of 300 basis points to mitigate the impact of the pandemic and in attempt to assist cash-strapped consumers. The SARB (South African Reserve Bank) controls the repo rate (repurchase rate); the interest rate at which SARB lends to South African banks. This, in turn, determines the prime interest rate, and then the rate at which banks will lend to its customers. The prime interest rate is the repo rate plus the amount added by the bank to ensure they make a profit on their loans. The repo rate cut means that banks are bringing down their lending rate, which means consumers will need to pay lower interest on their debt, and that translates into much-needed financial relief. For those planning to buy a home, the drop in interest rates will now make it easier to qualify for a home loan, because the required household disposable income will be lower. It will also make it easier for new owners to afford their monthly home loan repayments. This means it’s an ideal opportunity to buy property – either as an investment or as a move up the property ladder. The record-low interest rate opens doors for those wanting to buy property as a long-term investment. Those who wanted to buy in specific neighbourhoods but couldn’t afford the prices; or those who were renting because they couldn’t afford to buy, may very well now be able to consider putting in offers to purchase.
As a result of the lockdown imposed on South Africans due to the COVID-19 pandemic, many people have been laid off in an already-struggling economy and a high unemployment rate. With income streams suddenly and unexpectedly cut, people have to look to other options in an attempt to keep their households afloat during this time, the easiest of which is to take out a loan. Being employed is the foremost requirement in applying for a loan, though it’s not impossible to qualify for a loan without employment. That said, it might still be extremely challenging to find lenders willing to borrow money to people who do not have a solid income. It’s also worth noting that if lenders should loan to the unemployed, the interest rates will be elevated as there is a higher risk involved. Nevertheless, there are still two main loan options available for the unemployed.
- Secured loans
- Co-signer loans for the unemployed
As part of the alert level three lockdown regulations, it’s mandatory for organisations to screen all employees and visitors for symptoms of COVID-19 before their entry to prevent the transmission of the virus in the workplace. In addition to staff having to adhere to social distancing, the semi-permanent wearing of masks, and regular sanitising measures throughout, to keep the workplace safe from COVID-19, businesses are required to keep an access registry of everyone who enters the workplace, as well. Many businesses defaulted to using outdated techniques to comply with the regulation, but we believe that there’s a better way… Introducing Swipe In Swipe In is designed for business owners to easily comply with the new legislation – by digitalising the sign-in process. The software enables you to easily keep records on who enters your offices or buildings, but more importantly, keep you, your staff, and workplace safe against COVID-19. The cost-effective and easy-to-use app is the ultimate self-screening solution. Fully functional on any tablet or mobile device with an internet connection, once a company or individual is registered, access is gained to configure the tools to preference. Include in the low monthly fee, registered individuals have free access to the mobile app which allows them to complete the screening questionnaire remotely, before arrival. The system validates entrants who have completed the questionnaire and had their temperature checked, based on their mobile number. Confirmed entrees will proceed to have access to the establishment in question and further access to all other Swipe In institutions, without additional screening, for 24 hours. Companies can view and configure all the settings, such as linking employees and viewing full reporting on all entries, date- and timestamped. An additional feature allows one location or building to add multiple companies or divisions for visitors to choose from on entry. The purpose of Swipe In is two-fold: not only does it simplify the mandatory check-in process for entry to the office, but it also keeps COVID out of it, making it the all-in-one solution for your sign-in registry process. It’s a must-have for any business operating during this pandemic, get Swipe In today.
Do you find yourself short of some cash from time to time? Sadly, this happens to us all. Sometimes, unexpected expenses creep up in the middle of the month. Maybe your car broke down, or your geyser burst, or family expenses appear that you didn’t plan for. Thank goodness for cash loans to receive funds directly and quickly into your account. Borrowed money that alleviate financial hardships or supplement unbudgeted emergencies. But it’s not just to get you out of difficulties, cash loans can also be used for home remodelling, home moving, or making a large purchase such as buying a car. Builders Warehouse offers cash loans of up to R250 000 to finance everything you need for your home. You can apply online from the comfort of your home or while on the go from your smartphone. Funds get deposited directly into your account within 24 hours of approval. Which is comforting, due to needing the cash as soon as possible. But how do Builders Warehouse’s cash loans compare to other banks? Here is a comparison when looking at loans to remodelling our house:
Builders Warehouse Cash LoanYou can borrow any amount from R1000 to R250 000 depending on what you plan to do, and how much you need to do it. The repayment terms can be anything from 12 to 60 months at fixed monthly installments. The application process is paperless, which makes it so much easier to apply, and even the statements are received via email or SMS. Customer protection insurance is involved to insure death cover, temporary and permanent disability, or loss of income. The client also gets the ability to re-advance the funds already paid after a period of time. Builders Warehouse promises a guaranteed never-exceeding maximum interest rate of 27.25%, as described by the National Credit Act. Example: You borrow R7 500 and plan to repay over 24 months. The annual interest rate is 27.25%, the initiation fee is R936, and the monthly service fee is R69. This brings us to the total amount payable, which is R13 286. Every month’s installment would be R554 for 24 months. So how do you get these funds? First of all, you must be 18 years or older, like with anything else in South Africa. You should have a valid South African ID or driver’s licence. You should be employed, obviously, because how would you repay the amount borrowed otherwise? With that being said, you should at least earn R2000 monthly, and supply proof of income documentation – payslip, paycheck, statement, etc. It’s probably best to familiarise yourself with the Ts and Cs too.
Absa Personal LoanAbsa promises loans to turn your dreams into reality. They offer a wide range of loans from express loans to personal loans of up to R350 000. We’ll focus on the big one for the purpose of this blog. Again, you can either apply online or by visiting your nearest Absa branch. Any amount from R3 000 to R350 000 can be borrowed, over any period from 12 to 48 months. A personalised annual percentage interest rate (APR) is applied up to the maximum of prime +17,5%. For peace of mind and to be prepared for the unexpected, a credit protection plan from Absa Life Limited or any other licenced life insurer, can cover you in case of death, disability, critical illness or retrenchment. Example: You borrow R7 500 and plan to repay over 24 months. The interest rate could be anything between, the initiation fee is R937.25, and the monthly service fee is R69. This brings us to the total amount payable, which is R11 098.41. Every month’s installment would be R531.43 for 24 months. What you need: a bank account, a regular monthly income of at least R2000, a valid ID document or smart card, proof of residence and three month’s bank statements. Oh, and yes, of course, you need to be 18 years or older.
Nedbank Personal LoanNedbank offers personal loans as stepping stones to better your life. Loans are available from R2 000 to R300 000 with flexible repayment periods from 6 to 72 months. The monthly repayments will automatically be debited from your account at the best possible interest rates they can offer you. Also, an online application and the money will be deposited directly into your account when approved. Example: You borrow R7 500 and plan to repay over 24 months. The interest rate could be between a minimum of 9.75% and a maximum of 27.25%. The initiation fee will be R937.25, and the monthly admin fee will be R69. The total amount payable could be anything between R11 129 and R13 034. Which means that every month’s installment could be between R463.69 and R543.09 for 24 months. To apply you’ll need a South African ID or smart card, be employed and earn at least R3 500 per month, one month’s payslip with a letter of employment, the latest three stamped bank statements, as well as proof of residence.
FNB Personal LoanFNB offers personal loans of up to R300 000 and you have the freedom to choose any repayment period between 1 to 60 months. The interest rate is personalised and could be as low as 13%. This loan protects you from interest hikes, guaranteeing a fixed monthly repayment amount at a fixed interest rate. Additional benefits to an FNB personal loan are that your eBucks Reward Level gets boosted, you can take a break in January when keeping up with your monthly repayments, a customer credit plan is included, and you won’t be charged extra if you settle your loan account early. Example: You borrow R7 500 and plan to repay over 24 months. The interest rate could be a minimum of 13%. It’s not clear what the initiation and monthly service fees are, but we assume that it’s similar to the other banks. The total estimated amount payable would be R8 557.53, which means that every month’s installment would be an estimate of R365.56 for 24 months. To qualify for an FNB loan, you should be between the ages of 18 and 64, be a permanent SA resident, be employed or self-employed, have a SA ID or smart card, provide a recent payslip, proof of residence, as well as bank statements.
Standard Bank Personal LoanYou can apply for a Standard Bank personal loan via internet banking or using their banking app, and instantly get a 2% discount on the interest rate, which could save you up to R407 monthly. With a fixed monthly repayment amount, you can feel comfortable with any amount up to R300 000 with an option of a repayment period between 12 to 72 months. It’s an easy online loan application with an annual percentage rate of prime +17%. When you have enough UCount Rewards, you have the option to cover the monthly installment with it. Example: You borrow R7 500 and plan to repay over 24 months. The interest rate could be a minimum of 20.50%. The interest and fees would amount to R188. The total estimated amount payable would be R12 000, which means that every month’s installment would be an estimate of R500 for 24 months. What you’ll need for a Standard Bank personal load is your SA ID number, proof of residence, one month’s payslip, and three month’s bank statements, if you don’t bank with them.
Capitec LoansCapitec offers loans to help manage your financial life better. Any amount is available, ranging from R1 000 to R250 000 at any repayment period of 1 to 84 months. The monthly repayment installments are fixed at an interest rate from 12.9%. These loans come with affordable credit insurance, including retrenchment and death. Capitec offers an option to consolidate all existing loans for easier monthly repayments as well as easy management from their app. Example: You borrow R7 500 and plan to repay over 24 months. The interest rate could be a minimum of 12.9%. It’s not clear what the initiation and monthly service fees are, but we assume that it’s similar to the other banks, or cheaper. The total estimated amount payable would be R8 549.08, which means that every month’s installment would be an estimate of R356.21 for 24 months. Capitec’s requirements to apply for a personal loan are to be 18 years of age or older, have three month’s bank statements or payslips, proof of residence, as well as a SA ID number. It seems that Builders Warehouse cash loans might be more in monthly repayments compared to the banks, but keep in mind that the annual interest rate is calculated at 27.25%. The option of re-advancement on the capital already paid is also an advantage the banks don’t offer. When applying for a cash or personal loan, make 100% sure about the interest rate applied, as it may be fixed or fluctuating, or personalised. The repayment period will also have an effect on the interest rate used.
Load Shedding in South Africa – Cost Effective Solutions for Everyone.Load shedding…now you either have one of two reactions. One, building up steam to get rid of the frustration that life AND Eskom throw at you. Or two, you accepted the fact that we’re living in a world where our energy crisis is kind of the norm these days and you find the memes going around on social media are quite clever and, uhm funny… and you reshare it because why not? South Africans have a good sense of humour, transforming everything serious to something hilarious. Load shedding is not a new term; it’s been around for over five years now. If you haven’t adjusted to the fact of possible load shedding yet, start now. We’ll take you through alternatives, the benefits and the cost of each.
Daily average household power consumptionBefore we dig into the alternatives, let’s clear the confusion of an average household’s daily power usage. If you could guess, what is the average your home consumes daily? (According to Eskom the average daily consumption is 30kWh. Which is ridiculous. Some households consume as little as 3kWh per day! Use the simple method below to calculate your household’s daily energy consumption:
- Write down the number on your meter at a convenient time.
- Write down the number again after 24 hours.
- Subtract the two figures from each other.
- The total is the amounts of units, kilowatt-hours (kWh), your household consumed in the last 24 hours.
- This is what the independent solar electric system would need to generate each day.
- If you keep record of this, you can quickly determine which appliances have the highest consumption and turn them off to see whether it makes a difference.
What are the alternative energy options?There are a couple of alternatives that could be cost-effective, maybe not in the interim but definitely in the long run. Going green and getting off the grid with ecologically savvy decisions is the best way to help with the power outages we experience.
Get gas – R250 to R500
Get a generator – R2 000 to R10 000
Get an inverter – R9 000
UPS it – R700 to R1 500
Rechargeable lights – R200
Power banks – R100 to R1 000
The Passing of Popular Gospel Musician Neyi ZimuThey say that the good ones go first…the ones that keep the rest of us on the right path. This is definitely the case of Neyi Zimu (born Moses Gcinumuzi). A great father, husband, composer and gospel star has decided to spread his angel wings on Wednesday night, 4 December 2019 at Busamed Hospital in Modderfontein. Zimu battled with a very rare blood disorder affecting his skin (mycosis fungoides), which was diagnosed two years ago. This severe skin problem developed an itchy rash. Everyone was asked to pray for the Jehova Re Tshepile Wena hitmaker’s recovery after he’d gone for a light therapy followed by a higher state treatment – chemotherapy. Unfortunately, Zimu’s death left us in sadness and disbelief. He captured the hearts of Christians and encourage those who suffered to trust in Jehova. This inspirational South African gospel singer, worship leader and pastor, was popularly known for belonging to the Spirit of Praise. He touched many souls in ways we can’t imagine. TV presenter and former YoTV star Hulisani Ravele revealed how the singer’s music helped her through her darkest days. She’d put his music on repeat, and it was like he was present with her and ministered to her that better days were to come. She also disclosed that she’d never cried so much about the death of someone she didn’t know personally. People who knew him personally, such as his wife Nelisiwe Sibisi-Zimu and his children, Zimu was loving, honest and was the best in everything he put his mind to. He was the best gospel artist in South Africa, but also a friend, a leader and a mentor. Even though their hearts are bleeding because of his passing, they’re happy that he’s resting now. During Zimu’s memorial service, the church was electric as friends, family and fellow worshippers filled the centre to capacity. With the church overflowing, a tent was set up outside with flat screens to display the happenings inside. Everyone paid tribute while singing the best gospel music in SA, Zimu’s songs, along with the choir. Zimu was laid to rest on Wednesday, 11 December 2019, at House of Treasures Ministries in Johannesburg South. Local musicians, the public, and politicians who included EFF leader Julius Malema and Floyd Shivambo attended. Everyone paid their respects, and kind words were shared about Zimu – “he was a South African musician who ministered God’s word through his music”; “he was an artist of note, a talented musician who composed timeless music.” View Zimu’s funeral video here. Neyi Zimu, you’ve run your race; now it’s time to rest in peace… Neyi Zimu Biography Neyi Zimu, aged 49, was raised on a small farm located in Sebokeng and as a child aspired to become a lawyer and professional football player. However, he started singing at the age of six, and his music career began in high school after being discovered by a late friend. Zimu enjoyed reading the Bible, praying and engaging in fellowship with other famous gospel artists. Zimu married his wife and have three amazing children – an example of a good Christian family. He raised his children to be respectful towards others and to fear God to be good role models for their children. He had been in the gospel industry for 13 years and building what he had, had not been easy but rather very long and tough. His work can be traced back to 1996, where he founded Family Factory and Joyous Celebration. In 2001, he released his album Excited which featured Concorde Nkabinde and Jazz duo Tsunami. Excited was a success and paved the way for other albums: Ena ke Nako in 2003, Message in 2007, I trust in You in 2013, Friends in Praise, Another Level of Worship, and The Waiting is Over in 2017. He had performed on-stage with well-known musical artists such as late Wendy Mseleku, The Manhattans, Sibongile Khumalo, Vuyo Mokoena, and Rebecca Malope, and shared a stage with Pastor Benjamin Dube as part of Spirit of Praise. He was part of big projects alongside his mentor, Pastor Dube, such as Healing in His presence. He also featured in the gold-selling, SAMA award-winning, Spirit of Praise 2012 which was a live recording at Carnival City Big Top Arena. Trending songs that deeply resonate with its listeners include Lamb of God, Lord We Worship You, and Come as You Are. At least Zimu also left us with these top 15 popular songs (with videos) too. *Image from Youtube.
A musical genius in South Africa – Johnny Clegg.Johnny Clegg, a name not easily forgotten by South Africans (and French as he had a massive following there too), even though he only passed on in July due to pancreatic cancer. He sure did make an impact as one of the most popular South African artists, with more than 500 000 Google searches during the week of his passing. Tributes to Johnny flooded social media, including “The man who was too white to be black, and too black to be white. The icon, the legend. The white Zulu (or Le Zoulou Blanc).” In my opinion, he was a valuable gem. This beloved music icon was born in Macup, England on 7 June 1953, and immigrated to South Africa when he was seven years old. At the age of 14 he was sent to buy milk and bread and came across a cleaner, Charlie Mzila, playing on his traditional Zulu guitar and Clegg was fascinated by the sound. Mzila agreed to teach him how to play the instrument as well as the art of Zulu stick-fighting, traditional Zulu dance, and how to compose maskandi music. (A big thank you to you, Charlie!) His band Juluka (which means “sweat” in Zulu) began as a duo with Sipho Mchunu and was the first white-and-black-man band in the South African apartheid-era. When Sipho decided to take a break from touring and recording to spend time with family, Johnny started recording with Savuka (which means “we have risen”) in 1988, but occasionally reunited with his previous band. His songwriting and performance partner, Dudu Zulu, unfortunately, was murdered during violence between taxi companies in 1992. This was when Johnny decided to go solo. His popular music, that mixed Zulu with English and African music with various Western styles, became some of the best music in South Africa. I remember hearing one of his songs as a teenager while driving with my father. I can’t remember the specific song, but I could feel the energy carried over from his lyrics to my inner soul. Asked my dad who it was, and he answered Johnny Clegg. I later learnt about his son, Jesse Clegg (they sound somewhat similar), and I treasure his music as well, especially now… My favourite songs from the Cleggs being Great Heart, Cruel Crazy Beautiful World, I Call Your Name and Let It Burn, respectively. Listen to Johnny’s best music tracks here on Spotify. (Sign-up is free). He sold more than five million albums in a time before Spotify. One of Johnny’s most famous songs, Scatterlings of Africa, made the top 50 charts in the UK in 1983. It was also featured on the soundtrack to the Oscar-winning movie, Rain Man. He never won a Grammy, though, still he produced the best music in SA. He inspired fifty of the best musical artists in SA, including Arno Carstens, Somizi, Ross Learmonth (from Prime Circle) and more, to collaborate in remaking the hit, The Crossing. He was a universal man who bridged worlds and communities and gave people a different angle on stuff that was passed down blindly from generation to generation, accepting different cultures for who they are. Johnny made a difference everywhere, even at home. Jesse thanked his father on Instagram for the “magical gifts” he has given them and for creating a special place in his heart for his family. Johnny inspired Jesse both as a musician and a man and has given him the tools to a meaningful life. I’m sure that Jaron (Johnny’s other son), honours his father in the same way too. Jaron is a writer-director and scripted and recorded the music video of one of his father’s legendary tracks’, Take My Heart Away. Jaron created stories since the age of 8 years’; listening to movie soundtracks and playing out scenarios with model armies. This led to experiments with stop-animation and storytelling through film. Johnny left his children with a vision… For the rest of us, we’d undoubtedly remember and miss him for the singer, songwriter, dancer, anthropologist, and musical activist he was…when his haunting refrain Impi (meaning “Zulu warriors” or “War”) or his song Great Heart from the movie Jock of The Bushveld, echo through South African Rugby stadiums. At least we still have other great music artists in South Africa. Here’s some insight into South Africa’s 2020 music performances/conferences: January 2020
- 2 January 2020 – Watershed, Port Elizabeth
- 3 January 2020 – Goldfish, Cape Town
- 4 January 2020 – Arno Carstens, Port Elizabeth
- 9 to 12 January 2020 – Cape Town Jazzathon 2020
- 31 January 2020 – Prime Circle, Rivonia
- 6 to 9 February 2020 – Up The Creek Music Festival, Swellendam
- 15 February 2020 – LILO Pop Up Waterpark and Music Festival, Pretoria
- 29 February 2020 – Nyana Unplugged 2019, Johannesburg
Here’s how to find the best job in your provinceWhether you’re looking for another job as the next step in your career growth or you’re graduating and looking to step into the corporate world, looking for the perfect job can be challenging. South Africa’s unemployment rate sits at 29.1%, and it doesn’t leave us with peace of mind or much faith. But with effort, preparation and knowing where to apply and what to apply for (aligned with your skills), can help to find the job you need. Looking for the right job is one thing, but also have to find one that pays at least a good salary for you to cover your monthly expenses, is an added factor to the whole search. You’ll also want to find a job that’s close by and doesn’t require you to travel 60 km or more. If you’re searching on Google or any other search engine, you can type the “industry/job title + jobs near me”, to see if there are any exciting jobs in your area. Another major determinant of salary is your education level. The following industries have the highest growth trajectory for both individuals with and without degrees: IT/tech/telecoms, HR and legal, advertising and marketing, and government and non-profit. We’ve listed the links to the best job portal in each region with the trending jobs when looking at a monthly salary of approximately R10 225. There are 25 best websites to search for jobs in South Africa, but for the purpose of this article, we’ll focus on Adzuna. Adzuna is a search engine that searches thousands of websites, so you don’t have to. They provide smarter search options and powerful data about the job market, giving you the information you need to take control of your career. The provinces rank from the province with the most job offerings to the least job offerings. IT, other/general as well as accounting and finance. Tshwane mostly offers jobs in the heart of Pretoria – Brooklyn, Erasmuskloof and Mamelodi. These jobs are accounting and finance, admin and IT positions. Ekurhuleni (East Rand) offers jobs mainly in Kempton Park, followed by Boksburg, and then Edenvale. Popular jobs in these areas include other/general jobs, sales jobs, and logistics and warehouse jobs. IT, engineering, and admin. In Cape Winelands, most job openings are offered in Stellenbosch and focus primarily on hospitality and catering, engineering, and other/general. IT job, a general job, or a retail job. When searching in Umhlanga, the hottest jobs are other/general jobs, customer services jobs, or accounting and finance jobs. The most popular jobs in Pinetown are accounting and finance, sales, and other/general. IT, sales, and logistics and warehouse. Employment offered in Nelson Mandela Bay (Port Elizabeth) is mainly in IT, general, and sales. In Cacadu admin jobs, sales jobs, and accounting and finance jobs are popular. hospitality and catering, accounting and finance or sales. The most popular jobs in Nkangala are in the admin, other/general, and sales sectors. In the Gert Sibanda district, employers offer jobs in the following industries, other/general, admin, and sales. hospitality and catering, IT, and sales. In the Waterberg region, it’s hospitality and catering, logistics and warehouse, and admin jobs. Mopani also offers hospitality and catering, admin and then accounting and finance. admin jobs, IT jobs, and retail jobs. sales, other/general and IT. Lejweleputswa only offers jobs in admin. IT, other/general, HR and recruitment, and healthcare and nursing. The Siyanda region offers jobs in IT, admin, and legal. To ensure you end up with quality results, use the exact wording of what you’re looking for when searching on Google or any other job-related website or platform. For example, if you want to enter the admin industry in Pretoria, know what kind of admin work you’re interested in (receptionist, admin clerk, personal assistant, office receptionist etc.) and type precisely that – “receptionist jobs near me” or “admin clerk jobs in Pretoria” or “personal assistant in Tshwane”.
Getting value from your student loan.You didn’t agree to pay back all that money for nothing, right? University (or college) is a place of higher learning. So, you want to get the most out of the experience by drawing as much metaphorical blood from stone as you can. This way, you’ll make the most of your student loan. We have some suggestions for how to best go about imbibing not alcohol, but knowledge. Be sparing with the liquor, you’re here to learn.
Engage with lecturers.Now is not the time to be shy. Instead, you should engage with the lecturer of your subjects – especially the ones you’ve selected as your majors. Lecturers tend to be very warm to students, happy to pass on any knowledge they have. Simply go to one after a lecture has ended and speak to them about anything you’re unclear of during the lecture session. You can also speak to them in their office, especially about course work or even exam preparation. One-on-one sessions, however brief, are excellent ways to pass on knowledge and for you to improve your grades.
Be liberal with your time in the library.Sure, we live in an age where almost anything is findable on the ‘net. Except that certain works are protected by copyright and aren’t reproduceable on cyberspace. Although it is possible to access these works through academic websites, these papers normally require you to pay for this access. Where you’ll find all the information you need is the university library. Simply speak to the librarian on duty and they’ll help you locate the associated works you need. For example, if you’re a Philosophy student struggling with understanding Hegel, you might find comprehensive works by academic commentators who will clarify the subject for you. In addition, you’ll also be able to use this material for the purposes of referencing your papers. Just remember to attribute! This access to the university library is typically reserved for students. Considering you took out a student loan, make the most of this resource.
Don’t limit yourself to just your subjects.You can learn a lot from your peers on other subjects of interest. For instance, using the philosophy example again, if you’re a law student, you might find the way philosophy students debate along structured lines to be similar, but complementary, to legal arguments. By paying attention to them as they debate the nature of free will – for instance – you could learn a lot about how to argue cases for and against a murder accused in a class case study. Even paying attention to subjects like Classics can teach you a lot about the foundations of Roman Dutch Law. Then there’s simply the love of learning. Hearing a physics student explain how a glass of water could topple over the edge of a table “on its own” because of the nature of sub-atomic particles and chaos (in the scientific sense) could be enlightening for its own sake.
Take up extramural activities.Being a student gives rise to the opportunity to do new hobbies and sports. For instance, got a thing for the martial arts? Joining an aikido class could give you a foundation in essential aspects of self-defence… which you may need as campuses aren’t as ideally safe as they should be. Besides, classes like this help instil a strong sense of self-discipline that will be useful in other areas of your life. But with so many groups to join, you have a huge pick. Which will help with finding one that fits your personality perfectly. It’s a good way to get more bang for your buck.
Make use of the Computer Room.Most universities have some sort of computer room. Especially if you come from a less privileged background, the computer room is a perfect way to get acquainted with the power of the Internet. You can use it to further your knowledge and for writing essays and other course work. It’ll at least put you on equal footing with other, more privileged students.
We hope this has helped.Your university years are the most important of your life. Be sure to take full advantage of everything the university has to offer and your student loan will end up paying dividends in the long run.
It can be difficult making the change from high school to university. For one thing, you have a new found freedom. It is an exciting time in your life. You’re between the responsibilities of adulthood and the curtailing of being a teenager. Especially considering you’re taking on the responsibility of a student loan. However, there are certain pitfalls that can cause this experience to become a nightmare. We want to make you aware of them, so you can enjoy the best years of your life. And so you can make the most of your student loans – that is, graduate without any bugbears.