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Prime Minister Nuri al-Maliki is calling on political parties to unite against armed groups in Iraq, a spokesman said Sunday, warning that "Iraq cannot be the new Somalia."

It's an unfortunate fact that most students never get formal lessons in managing their credit and debt. For many young people, their first brush with being responsible credit card users won't come till they are in college - away from home and the guidance of mom and dad. The moment they step on campus, new college students will be wooed by major credit card companies, all of them eager to establish themselves as 'the first card in your wallet'.

If your child will be going off to college in the fall, one of the best things you can do for him or her is to get them started on the right foot to handling credit responsibly. Needless to say, example is the best way to teach. The more responsibly you handle your own credit card use, the more likely it is that they'll absorb your attitudes toward the use of credit cards.

Beyond that, though, one of the easiest ways to teach responsible credit card use is to cosign an application for one of the credit cards that is especially designed for student use - and do it before they're off on their own. Each major credit card line features at least one credit card that has low credit limits ($500 to $1000), no annual fee and a moderate APR.

Make a big deal about applying for the credit card. Explain to them that each credit card application they fill out will be noted on their credit report - high school students especially understand the concept of a 'permanent record' - and that the more credit cards they apply for, the worse their 'permanent record' will become. That way, when they hit campus, they'll be forewarned against the myriad credit card companies telling them 'it's no big deal'.

Show them how to compare credit cards and figure out what credit will actually cost them. If you're not sure of it yourself, see our articles about Annual Percentage Rate and how to figure out the cost of a credit card. Make sure that they understand what a 'late payment' is, and how it will affect the charges on their credit card. When they understand that making a payment late will add $29 to their bill this month, AND increase their APR so that every bill from now on will be higher, they're far more likely to appreciate the significance of making payments on time.

Finally, before turning them loose with a credit card, take the time to sit down with them and work out a loose budget they can follow. Then make a monthly date to sit down and go over the credit card bill and credit card receipts together. You'll be able to monitor spending and help them work out ways to stay within budget while still paying off their credit card properly.

It's a common aphorism that it takes only 7 days to establish a new habit. Take a few months before your student heads off to college to help them establish good, responsible credit card habits. It's a lesson that will last them the rest of their lives.

Joseph Kenny is the webmaster of the credit card comparison sites http://www.credit-cards-info.com/ and also http://www.creditcards121.com/

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These days we've got quite a treasure trove of goods in our homes, many having all manner of gadgets we couldn't possibly live without (I'm thinking mobile phones and computers or your record collection). If there were to be some accident or theft then we'd be devastated, this is why more and more people are opting for home insurance.

This is no case of being over-cautious either with the freak earthquake hitting most of England and Wales last week there were plenty of reports of chimney stacks falling down with one case in Rotherham, South Yorkshire where a teenager's roof collapsed on him resulting in needing to go to hospital with a fractured hip. This as well as the floods becoming more and more prevalent in this country goes to show that home insurance is more vital now than ever.

The trouble is that if you live in places which are prone to accidents like the flooding last year then chances are your home insurance quotes may be significantly higher and possibly price you out of being able to afford home insurance.

It isn't just weather conditions and acts of god that are making home insurance pricey. It is well known that home insurance quotes, much like car insurance quotes vary depending on where you live.

Some call it a postcode lottery; where depending on your postcode will directly affect your home insurance quotes. For a long time it was believed that crime rates in your area would ramp the cost up as this is one of the main causes for house insurance companies to pay out but with all the weather and flood related problems arising up and down the country insurers are rethinking which areas now present the most risk. Some houses in a crime ridden neighbourhood may now have similarly priced quotes to a country cottage that is situated on the banks of a river.

It is a growing trend for people like new couples or new home owners to scout their new homes ahead of buying as they may be walking into an insurance nightmare, people have fell victim to this and discovered that home insurance quotes at their new home were astronomical.

The good thing is that some consumer websites have conducted research into the area in hope of getting the information to buyers before they move. Some websites will even allow you to draw upon this research and check out whether you're paying more on home insurance based on where you live. One thing to remember though is that while Home Insurance isn't a requirement it is definitely a necessity in this modern world and with occurrences like earthquakes and floods headed to the UK now may be the time to get yourself covered and safe.

Home insurance is a necessity these days, especially in these changing times where house insurance is a lifeline for people who live in risky areas be it from crime or mother nature. Make sure you compare online to ensure you get the cheap home insurance quotes you're comfortable with.

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