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The Etios Cross is based on the Toyota Liva, a premium hatchback manufactured by Toyota Kirloskar Motors. The Etios Cross was launched in May 2014.
On the other hand, the hatch back, Maruti Suzuki Swift, had an earlier launch, in 2005. The current generation has been on the roads since 2011.
The exterior of the Etios Cross has an aggressive grille, extended headlamp clusters with halogen lamps and large fog lamps. The black cladding on all the three sides with silver skirting gives the car a premium look. The rear spoiler and the carving of the name on the claddings complete the features of the exterior. The Swift is not a looker and has body coloured bumpers, front and rear fog lights, and internally adjustable ORVMs.
The Etios Cross has a 2 DIN music system with auxiliary and USB ports. Higher variants come with Bluetooth connectivity and steering mounted audio controls, an auto AC system and an adjustable driver’s seat. Safety features include ABS and EBD, power windows, power steering, a central locking system, an engine immobilizer and airbags.
The top variants of the Swift have an auto AC, a CD player with USB and auxiliary ports, power windows, rain sensing wipers, internally adjustable ORVMs, and rear wash wiper. Safety is taken care by SRS airbags, ABS and EBD. The 251 litre boot of the Etios is bigger than the 232 litre boot of the Swift.
The Etios Cross comes in 4 trims priced from Rupees 5.76 to 7.41 lakh. The 1.4 L diesel version is powered by a 1364 cc, 67 bhp engines with mileages of 23.59 kmpl. The 1.2 L petrol variant uses 1197 cc volume, 79 bhp engine giving mileages of 17.71 kmpl. The 1.5 L petrol engine with1496 cc and 89 bhp gives mileage of 16.78 kmpl. The Swift has 3 petrol and 3 diesel variants priced between Rupees 4.42 and 6.71 lakh. The petrol is a K-series 1.2 litre, 85 bhp engine with mileages of 18.6 kmpl. The Etios Cross diesel variants is a 1.3 litre 74 bhp engine with mileages of 22.9 kmpl.
The top speed of the Etios cross is 150 kmph and of the Swift 160 kmph. Both the cars have disc type brake at the front and the drum type at the rear. The tyres’ size is R15 for the Etios Cross and R14 for the Swift.
Etios Cross is 3895 mm long, 1735 mm wide, 1555 mm tall, with 174 mm ground clearance and 2460 mm wheel base. The Swift is 3850 mm long, 1695 mm wide, 1530 mm tall with 2430 mm wheel base and 170 mm ground clearance. The suspension is McPherson type at the front and Torsion beam type at the rear for both.
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To go further in life, you need an education. Unfortunately, going to college is not always possible because of the high cost. If you are scared just thinking about the outrageous costs of attending school, you should feel better knowing that the following article was written to help you understand how getting a student loan is possible for you. Continue reading, and get your education.
Be mindful of any grace period you have prior to having to repay your loan. This usually refers to the amount of time you are allowed after you graduate to pay back the loan. Keep this information handy and avoid penalties from forgetting your loans.
The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. You definitely want to pay down the ones with the highest interest rate, because taking care of the lower ones could cause you to end up paying more money.
Choose payment options that fit your financial circumstances. In most cases, 10 years are provided for repayment of student loans. If this doesn’t work for you, you might have another option. Perhaps you can stretch it out over 15 years instead. Keep in mind, though, that you will pay more interest as a result. You might also be able to pay a percentage of your income once you begin making money. Sometimes student loans are written off after an extended period of time.
Reduce the total principal by getting things paid off as fast as you can. The less of that you owe, the less your interest will be. Make a concerted effort to pay off all large loans more quickly. After the largest loan is paid, apply the amount of payments to the second largest one. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you have have a system in paying of your student debt.
The concept of making payments on student loans each month can be frightening when money is tight. However, loans that offer a rewards program can soften the blow. Upromise offers many great options. This can help you get money back to apply against your loan.
Get the maximum bang for the buck on your student loans by taking as many credits each semester as you can. Generally, being a full-time student is seen as 9 to 12 hours per semester, but if you can squeeze in between 15 or 18, then you should be able to graduate sooner. This helps you keep to aminimum the amount of loan money you need.
Lots of people don’t know what they are doing when it comes to student loans. You must, however, ask questions so that you know what is going on. You could be paying more if you don’t.
Bad credit will mean you need a cosigner on a private loan. You should be sure to stay on top of your payments and never miss one. If you do not do so, then whoever co-signed your debt will be held liable.
Avoid depending on student loans completely for school. You should save money and look for grants and scholarships too. There are many valuable scholarship sites to tap into. Make sure you start looking as early as possible so you can have everything in order well before it is time to pay for school.
Double check to ensure that your loan application doesn’t have errors. This will determine how much money you get. If there is any doubt in your mind that you filled it out right, you should consult a financial aid rep at your school.
To maximize the use of your student loan, purchase a meal plan which is based on the meal instead of how much it costs. This will ensure you’re not paying for extras.
Get a good ideas as to what options you have when it comes time to repaying your loans. You may want to look into graduated payment plans. This way your initial payments will be small and gradually increase over time when you hopefully are earning more money.
Look for a part-time job. You will be able to offset expenses and get more money to keep.
Always be sure you understand the terms of the payback. Some loans provide a grace period or have a forbearance or other alternatives in payment. Know all your options as well as your lender expectations. You should research all of this before signing anything.
When you are in high school, taking more AP classes will help you borrow less money in college. Every one of these courses offers an examination that proves college-level achievement. You will get a college credit if your score is high enough.
Pay off your loans with the highest interest rates first. In this way, you can prevent interest from piling up and causing an unmanageable amount of debt. Document all of the loans that you have and keep track of it. Base your payment schedule off of that.
As you read in the article above, a quality education is possible for many people, but because of the high price tag of school, it can be difficult. There is no need for you to be concerned about how to pay for school, now that you are aware of student loans and how they can assist you in obtaining the education you desire. Remember these suggestions before you consider taking out a student loan.
It can seem like a dream that you are finally in college! So now what do you do? You may have a hard time adjusting at first. Following is some advice to help you adjust to college more quickly, so you can make the most of your experience.
Always take some water to class with you. You absolutely must be sure to drink enough water day in and day out. This is crucial, especially if you have one class after another without any time to eat. Staying hydrated during the day can help keep you focused and on track. You can carry a reusable water bottle with you at all times and fill it up at a water fountain.
Secure college funding sources, such as scholarships, loans and grants, ahead of time. If you find great resources for grants, you might not need many loans. Figure out a system that allows you to manage your finances and allows you to apply for things quickly.
Be realistic when making your work and course schedules. If you aren’t a night person, don’t schedule night classes or labs. Learn your body’s natural rhythm and schedule around it.
If you’re learning about how expensive college is and you don’t have enough to cover costs, try getting a loan. College is something that can pay great dividends in the long run, so it should be okay to acquire a little bit of debt for the future rewards.
Study skills courses can teach you valuable lessons towards academic success. High school is very different than college, and you may be at a loss for how to get good grades. These courses may help you learn how to pass your class.
Eat as healthy as possible during your time at college. The freshman 15 isn’t an exaggeration. Pay close attention to what you eat. Stay away from processed foods and fast foods. It may be convenient, but it will leave you feeling sluggish and unable to concentrate in your classes.
Before you make your final decision on which college to attend, thoroughly research your intended major and career choice. You want to be sure that any college you choose offers the degree you need to get your desired job. If you are in doubt, talk to an admissions director.
If you must carry a credit card, make sure you pay the balance monthly. Otherwise, unnecessary interest and penalties may accrue. The best practice is to only use the credit card if there is an emergency. While you may be tempted to use it for pleasure, understand that you are in college to learn, not play. Having to deal with money problems is not helpful.
Catch the local transportation to your classes. You’ll likely discover that you won’t spend much longer going to class by the bus. You can end up saving yourself a ton of time because you won’t need to hunt around for open parking spaces near the campus. You will save money on parking passes and gas. It’s also a great way to “go green.”
It is in your best interest to apply yourself in college. You’ve worked your tail off to get into college, and now you must work just as hard to stay there. These suggestions can help you achieve that. It’s important that you get everything you can from your college experience, since it only comes around once.
College is fun! Others have college experiences that aren’t so great. The fear is caused by the unknowns of college. Learning all you can about the college experience can really help.
Be certain you have enough toiletries when you get to college. This is an area that you may not think a great deal about, but you will find toiletries run out quickly. Consider buying in bulk as a means to save money.
You’ll need grants and scholarships to get through college. Be sure to apply early. When you take more time to find money for college, you won’t need to borrow as much. Make sure that all documentation and fees are submitted in the proper time frame.
Study as much as possible every day. You’ll get more out of college if you invest more time into learning. By getting the mindset of treating your education like a job, you can find a chance to be social while keeping a strong focus on academics. If you do well with your college career, you can expect a happier and more fulfilling life.
Make sure you are prepared for tests with all the materials you will need. If you forget an item, this can cause stress while affecting your overall score on the exam. Make sure you have what you need because the teacher may not have supplies for you.
Before you decide on a school, find out how to get to the admissions office and go there. This lets you figure out if you are able to get scholarships that are only for that specific school. Different schools offer different scholarships. Make sure to talk to someone from the financial aid or admissions department to find out about financial aid available to you.
No matter if you are a man or a woman, hitting the gym on campus is always a great idea. You can work out during the day, and meet other active students. You can also take friends with you to the gym to make it more of a social outing.
One tip if you’re having some financial trouble is to purchase used textbooks before going to college. New textbooks are surprisingly expensive, while used textbooks are considerably cheaper and serve their purpose well. Most of the books you will need can be bought used, thus saving you a bit of money.
Register as soon as you can for all classes. If you wait too long, you may not get into the class you wanted to attend. When you see the class you want, sign for it!
Go to the career office of your college if you want a job. They can help you find a job when you are done with school and they can also find you a job on or off campus.
Do more than just take classes to find where your interests lie. Try to involve yourself in campus activities. Join clubs, and get a job on campus. There are a ton of things you can do on campus. Look for an activity that you’ve never done before and give it a shot.
There are methods that should be learned for avoiding plagiarism within the school. You’ll have to write a ton of papers while in school. It is your duty to obtain a proper understanding of citation in order to prevent any confusion or problems regarding plagiarism. Professors check for plagiarism, so only turn in work that you have done yourself.
Never submit the first draft of a paper. Allow yourself to have enough time to make changes to your paper when necessary. Create another draft of your paper rather than only proofreading it. Then proofread and perfect. You will be sure that you have touched on all the subjects you wanted to.
Wake up early each day. Rising at 7 AM, or so will give you ample time for waking up, having breakfast and some additional study time. It is good to have a relaxed morning routine before classes each day.
One option could be to take your first two years of study at a junior college. You can complete your core classes in this much less expensive way. You can then transfer all of your credits to a university of your choice. If 4-year schools are too pricey, this makes a lot of sense.
If you are employed full-time and want to return to school, consider an online university. Someone without the access and time to take courses at an ordinary college may still be able to pursue their education online. Online universities are very flexible to your schedule and situation.
If you haven’t yet adopted a regular sleep schedule, now’s the time to do so. You probably have a lot to do, but it is important to get plenty of sleep. With little sleep, you won’t be able to focus well on classes.
Make sure that you take your own notes, as your friends may not have the information you need. Even if you believe that the person from whom you get the notes is a great student, you have no way of knowing how good he/she is at taking notes. They may take short cuts or not write down all the important information.
Even if you are a parent, there are opportunities to study abroad. A lot of students who happen to be parents dismiss studying abroad, since they assume you can not do that with children. Talk to your school’s study abroad coordinator. Some programs are designed specifically to accommodate families.
Hopefully, you now have a better understanding about collegiate life. That information can help you to be more productive and successful. Use the tips shared here and you can have the college career you have always dreamed of and more.
Although many people know that it is beneficial to go to college, most are unaware of how the whole process goes. Between picking a major and then a college, there is a lot of planning involved. This article has loads of advice for starting college.
While preparing to leave for college, write a list of those things you plan to take. Being prepared will make your experience much easier. This is even more important if you will be attending school out of state.
Always carry around a bottle of water while on campus. You have to remain hydrated to ensure your brain and body are functioning properly. This is especially true if you have back-to-back classes. This will help you concentrate and be at your best. This is important in college. A lot of water fountains out there allow for easy bottle refills as well.
Your college might have a course in study skills if you need help. A lot of students get high grades without trying very hard in high school so they need help figuring out how to effectively study to do well in college. A study skills course will assist you in learning how to study for your college courses.
Familiarize yourself with the route you will have to take to get to your classes prior to your first day. Figure out how many minutes or hours you will need to make it each class to the next and plan accordingly. Also look for places you’ll most likely frequent such as a cafeteria, the library, and bathrooms.
The environment that you study in has a huge impact on the quality of your studies. A dorm room is not usually a good place for studying. Seek out an area that has minimal distractions. You should opt for the library. If you have no other options, invest in a pair of noise-cancelling headphones.
If you are attending college in another state or are going to reside on campus, decide if it is wise to bring your vehicle along. In areas of high population, free parking spaces can be difficult to find. You can also have a hard time with other expenses if you’re not employed.
To steer clear of freshman weight gain, closely monitor your carbohydrate intake. Do your best to reduce sweets and processed foods during meals. Your energy is best produced and preserved when you take in fresh vegetables, fruits and grains. Protein is important, too, but you need other options.
Take quality notes while you are in college for studying purposes. Writing down what you are listening to can help you to remember it. You will also find that it makes studying the material that much easier. You may think you can remember everything, but writing notes is a good habit to get into.
Do not rely how how you did in high school. Most of your new peers came from similar backgrounds and will not be impressed by your accolades from high school. Push yourself harder to succeed and try new things rather than expecting things to go the same way they did when you were in high school.
Check out the career office at your college for a job. This office can help you with both jobs after college and during college.
Learn about plagiarism so you can avoid it. During your college life, you will likely write a lot of papers. Make sure you are always giving authors credit where due. Most professors know how to spot plagiarism, so always avoid it!
Never turn in the first draft of a paper you’ve written. Always revise your first draft and make improvements. Rather than just proofreading your paper, write out another draft. Carefully proofread what you have written and then perfect it. This can reduce any errors and help distinguish the points that you want to get across.
Give yourself an early start every day. No need to wake up before sunrise, but if you are up by 7 am, you’ll be able to have breakfast and exercise to start your day off right.
College is a very big transition in life that holds many changes. Be sure to balance your time properly. Set aside plenty of time for studying. Focus on class and you’ll find your grades are great.
Even study positions that do not involve your major are important, and you must concentrate on them. Employers view education, but highly regard your experience. If you do well in your work/study job, you will be able to start out your resume with an impressive entry.
Everybody knows that a good college education is a tremendous long-term asset; it can expand one’s financial opportunities as well as broaden one’s mind. Excelling in college is not necessarily a skill that comes naturally, though, and wise advice can make the decisions a student faces a lot easier. Remember the information that you have learned here, and make good choices that will keep you on the right path.
While every child, including yours, is entitled to a good education, public or private schools are not your only option. Homeschooling is becoming a popular choice for many different families. In your own house, you can give your children a good education. Keep reading this article to learn more about it.
Talk to other families near you who are homeschooling and set up field trips together. That is fun, and your kids can socialize with other children in similar situations. Additionally, you will get a group discount!
Designate an area in your house specifically for homeschooling. It needs to be an area in which the children do not feel as though they are distracted from outside influences. It needs space for building, acting and dancing, along with surfaces for taking tests and writing. You should have no problem consistently keeping an eye out for your children as well.
You can hire help for housework or have your kids help you. This will take off some of the pressure while homeschooling. Sometimes the demands of running a household can get to be too much. Don’t be afraid to accept help if you need it.
When educating your kids, you should make sure that you provide some practical lessons. Speak in Spanish regularly if you’re teaching Spanish, or feed your kids Italian food when learning Italian history. Immerse them in the culture. This is also useful for social studies and anthropology topics. Studying ancient Rome? Break out the figs, dates and togas! If your child is learning about the Sino-Japanese war, have them cook authentic Japanese and Chinese dishes that would have been served at the time. When learning with all your senses, it helps the information stick.
Create a homeschool budget plan. You should be able to get an idea of what you will need to buy and what trips you will need to take prior to the beginning of the year, which means you can plan how much they will cost. Set up an account for each child with a certain amount in it. It’s best to stick with the budget, but understand that there will be occasions when it’s necessary to deviate somewhat.
Always carefully explore your options and do proper research before deciding to homeschool. You’ll find a ton of information is available to you. Homeschooling is very exciting but you should not consider this option if you already have a full-time job or cannot afford to give your child a good education.
Use family vacations as learning tools. Visit historical sites, museums and other educational points of interest. You can take one day to learn something on vacation. You can have a fun outing and teach at the same time.
Find out about your state’s laws regarding homeschooling. You can find lots of state-specific information on the website of the HSLDA. You should also join homeschool groups in order to learn, and this could help you if CPS in your area questions you. At times like this, you’ll find that any investment in the form of membership fees and dues is well worth it.
A quiet study area free of distractions is a must for children who are home schooled. Set-up an area that’s not in the same place that your child plays. Also, keep your child’s supplies in this area. Provide storage by means of a decorative box or crate if no storage is available.
Don’t disregard the importance of recess, even while homeschooling. This will help your child to pay attention to the lesson being taught. Make sure both you and your kid know when a break is coming.
There will always be challenges in homeschooling but it can be quite enjoyable and rewarding. Sometimes, you will have to lay down the law when you are homeschooling. Flash cards, lengthy books and difficult lessons can all pose difficulty and become the least favorite activity. Reward systems can help make all lessons work much better.
After reading this article, you should have a better understanding of homeschooling. You can now figure out if homeschooling is best for your kids. Should you choose to send your children to public school instead, these tips can still be helpful for your family.
Many people must resort to student loans to get the degree they desire. Lenders aren’t always keeping your best interests in mind, though. Keep reading to learn how to protect yourself.
Speak with your lender often. Update your address, phone number or email address if they change which sometimes happens quite frequently during your college days. In addition, when you get mail from your lender, be sure to read everything. Take action right away. If you don’t do this, then it can cost you in the end.
Don’t neglect private financing for college. There are lots of student loans available, and there is also a lot of demand and a lot of competition. There’s much less competition for private student loans, with small pockets of money sitting around untapped from lack of attention. Explore the options in your community.
When paying off your loans, go about it in a certain way. Make sure you pay the minimum amount due each month. Second, pay anything extra to the loan with the highest interest rate, not the one with the highest balance. This will make it to where you spend less money over a period of time.
Choose payment options that best serve you. Many student loans will offer a 10 year repayment plan. You can consult other resources if this does not work for you. For instance, you might secure a longer repayment term, but you will end up paying more in interest. Another option would be a fixed percentage of your wages when you get a job. Certain types of student loans are forgiven after a period of twenty-five years.
When you begin to pay off student loans, you should pay them off based on their interest rates. The highest rate loan should be paid first. Using your extra cash can help you get these student loans paid off quicker. There will be no penalty because you have paid them off quicker.
If you have a large loan, try to bring down the amount as soon as you can. This will reduce the principal. You won’t have to pay as much interest if you lower the principal amount. It is a good idea to pay down the biggest loans first. After you’ve paid your largest loan off in full, take the money that was previously needed for that payment and use it to pay off other loans that are next in line. If you make minimum payments on your loans while paying as much as possible on the largest loan, you can eradicate your loan debt.
Payments for student loans can be hard if you don’t have the money. A rewards program may help things. Check out programs from Upromise such as SmarterBucks and LoanLink. These are like programs that offer cash back, but the rewards are used to pay your loans.
Increase your credit hours if possible. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner. The will assist you in reducing the size of your loans.
The Perkins Loan and the Stafford Loan are both well known in college circles. This is because they come with an affordable cost and are considered to be two of the safest loans. The are idea, because the government shoulders the interest payments while you remain in school. The Perkins loan has a small five percent rate. The interest rate on Stafford loans that are subsidized are generally no higher than 6.8 percent.
For so many people acquiring a student loan is what makes their dreams of attending school a reality, and without it, they would never be able to afford such a quality education. The best way to handle student debt properly is to gain a thorough understanding of the loan process. Use the advice that you just learned during your experience.