You can typically find promotional periods for balance transfers that run under two years. “If you know that the transfer is going to be six months before the interest starts kicking in, you want to have a plan to get as much of that debt paid off in that six months,” Cox says. If the balance transfer makes sense, make a plan for it. Compare that fee with the cost of long-term interest payments on your current card to determine which option saves more money. “There is going to be a (balance transfer) fee, so you have to shop around a lot of times,” says Melissa Cox, a certified financial planner and advisor at Fetterman Investments, a Dallas-based financial planning firm.Īim for a fee of 3% of the transferred balance or lower. It allows you to transfer high-interest debt from another issuer and pay it off at a lower interest rate - ideally at a 0% APR for a period of time. If you have good credit but want to pay off existing debt, a balance transfer credit card may lower costs. As long as you pay off the balance, you’ll save on interest charges and potentially recoup some of the cost of the purchase with that bonus. Select words and use elements of composition to advance an argument.If you’ve got good credit (a FICO score of 690 or higher) and a big expense coming up, consider financing it with a credit card that offers a 0% intro annual percentage rate on purchases and a sign-up bonus. Use organization and commentary to illuminate the line of reasoning in an argument.Įxplain how writers’ stylistic choices contribute to the purpose of an argument. Identify and describe the claims and evidence of an argument.Īnalyze and select evidence to develop and refine a claim.ĭescribe the reasoning, organization, and development of an argument. Make strategic choices in a text to address a rhetorical situation. Skill CategoriesĮxplain how writers’ choices reflect the components of the rhetorical situation. The updated AP English Language and Composition framework included in the course and exam description outlines distinct skills that students should practice throughout the year-skills that will help them learn to think and act like writers.
How to Access Score Reports for Educators.
Rebates for Schools with Large AP Programs.What Students Should & Should Not Bring.
Recording Student Responses Using a Digital Language Lab.Recording Student Responses Using a Computer.Recording Student Responses Using Digital Recording Devices.Digital Audio Capture (DAC) App Running on iPads and Chromebooks.Transfer Students To or Out of Your School.Schools That Administer AP Exams but Don’t Offer AP Courses.Homeschooled, Independent Study, and Virtual School Students and Students from Other Schools.AP Exam Fee Collection Provider Program.