Tuesday, September 30, 2014
Latest Student Debt News
What Order Do You Pay Bills When You Can"t Pay Them All?
If you have federal student loans, you can investigate deferment so that you don"t have to make payments until you have some financial breathing room. That may help you chop the bills down to something you can come closer to being able to pay. Food …
Read more on ABC News
Robert B. Reich: Stuck with the mess
In America, people with lots of money can easily avoid the consequences of bad bets and big losses by cashing out at the first sign of trouble. The laws protect them … Student loan debt has more than doubled since 2006, from $ 509 billion to $ 1.3 …
Read more on Northern Virginia Daily
Attorney General gives CFCC students crash course in personal finance
In North Carolina alone, 59 percent of college students graduate with debt. Twenty-three percent of CFCC graduates leave college with student loan debt. Liles said the best way to avoid drowning in loan payments was to plan ahead. “This stuff is …
Read more on Port City Daily
Read More Latest Student Debt News
Same Day Payday Loans- Can Help To Deal With Financial Crisis
This life is highly unpredictable and you never know what is going to happen in the very next moment. It is because of this uncertainty factor that most of the people tend to save some of their salary but, saving can only be possible if you have enough resources or a good job which allows you to fulfill all your day-to-day needs along with saving some money. It however is not possible for all. There are many people who earn money sufficient enough for their monthly expenses. For them if any emergency condition arises they run short of money.
When it comes to getting money as early as possible, then there remains no other choice but to go for same day payday loans. The application process has become much easier as compared to past when people have to find an outlet to get loan. Now, it is all about sitting online and filling an online form. They are the best form of loans to get away from the financial crisis.
Basically, same day payday loans are those which can be acquired at the same day a person apply for it. Moreover, you may not be able to get these loans for an amount greater than £1000. So, if you require more money, then you will have to find another source to get money to get out of your financial crisis.
Here, it is also worth mentioning that there is a specific fee which is associated with these same day payday loans. In some cases, this fee can go up to £30 for every £100 pound borrowed from the lender. Actually, these types of loans don’t require you to go through any formality of credit checking, etc and that is the reason why they charge such high fee.
They, however, have some conditions that are to be met to qualify for the loan. For instance, to qualify for same day payday loan you must be in a position to earn £1000 per month and you must be more than 18 years of age. The loans are decided according to the salary of the person as how much they will get the loan
To pay back your loan, you don’t have to do much. In some cases, lenders ask for a post dated check for the total amount borrowed from the lender including the fee. Or, you can also make lender to access your account electronically to take back his money.
Quinton Olden is a writer and has been linked with Online Loans Instant as a finance expert. He provide useful information during his articles that have been found very helpful. To find payday loans, doorstep loans, small payday loans, cash before payday, instant loans online, same day payday loans, instant installment loans. Please visit http://www.onlineloansinstant.co.uk
Read More Same Day Payday Loans- Can Help To Deal With Financial Crisis
Latest Student Debt News
Federal Student Loan Default Rate Drops
Default rates are based on the number of students who"ve default on at least one student loan three years after leaving college. It takes at least 9 months of non payment for a default to take place and show up on one"s student loan record and credit …
Read more on Forbes
Gov. Brown signs bill to reduce college sexual assaults
Lara also sponsored a bill signed by the governor that creates the California Dream Loan Program at the University of California and California State University systems that allows students in the country illegally to receive student loans from a pot …
Read more on Los Angeles Times
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Leave Financial Constraints Behind With Grants
Federal grants that are provided by the government of United States are one of the biggest boons the country has provided for its citizens. These financial aids help individuals fulfill their dreams and in turn contribute towards the growth of the economy. The reason why a large section of people do not benefit from these grants is that they are skeptical about applying for it. It is a common misconception that these grants are available only to a small, privileged group of people. Any individual who wishes for financial aid from the government can easily apply for grants like personal grants and get started on turnings their plans into concrete reality. Receiving a small business grant is not as difficult as it looks. There is ample research material available online that will help you write an effective grant proposal. The only secret to receiving a government grant is having a well written grant proposal. While writing a proposal it is first important to determine the reason why exactly you need the grant and make sure your proposal truly justifies your needs. Government business grants are ideal for individuals who cherish a dream of having their own business but do not have the infrastructure to establish it by themselves. In this scenario the government comes to their aid by providing them with easy grants that will turn their dreams into reality and help them get their ideas off the ground.
Free government grants are the biggest success stories of the United States government. These aids provided by the government are the biggest support system for its citizens and helps them turn their ideas into concrete reality. Gone are the days when financial constraints became a lifelong stigma on an individuals life. Thanks to the support by the government, people can easily take forward their plans and get over their roadblock of inadequate finances. Education is one of the most important goals that individuals seek. However a higher education degree can be expensive and it is one of the reasons why most people opt out of it. The government now provides several education grants that enable individuals to fulfill their aim of receiving a bachelors or masters degree. These college scholarships are not completely out of reach. Despite popular belief, anyone can apply for a scholarship and receive it. To apply for a federal pell grant individuals need to have a proper grant application that will help them take their first step towards procuring the grant. Applying for a grant is not rocket science and all individuals need to do is to research adequately on the proper process and follow it accordingly. With the help of sample proposals and research literature people can easily start their process of receiving their own grant.
Enjoy Free government grants like Grants for small business and Government grants for college
Monday, September 29, 2014
Letter: Grimes will be concerned about student debt
Letter: Grimes will be concerned about student debt
A bill proposed in the Senate earlier this summer would have allowed recent graduates to refinance their student loans at lower interest rates. Currently, more than 40 million Americans hold student debt. The high interest rates on these loans prevent …
Read more on Cincinnati.com
High Student Loan Debt Might Not Be That Bad
According to a recent study by the Brookings Institution, 38% of U.S. adults between ages 20 and 40 have student loan debt, and the average amount of debt is about $ 19,300. This has risen steadily since the study began tracking debt levels in 1989 …
Read more on Motley Fool
Student loans may drag down economy
Soaring levels of student loan debt are not only burdening recent graduates but have created entire generations that aren"t able to save and invest, potentially hurting long-term economic growth. College-educated members of Generation X, those born …
Read more on Washington Examiner
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Obama Grants for Moms: Money for College
Education is always an important key to a good future. The President has on many occasions emphasized the need for a strong education system. Grants and scholarships are just the beginning of efforts to try to make over higher education. College expenses continue to increase even as the economy slumps. College costs can really add up especially when money for things besides tuition and housing is considered. With high costs looming, many young adults can’t afford to go to a university. Single moms are especially affected in a bad way. Not only does educating mothers help provide for their families, but it also improves the workforce. The President has attempted to help by encouraging more grants for single mothers to attend school. Although they are the same, many people refer to Federal Pell grants as Obama grants. To help with university costs, a student can earn more than $ 5,000. The primary goal is to encourage single moms to return to school, and by 2012 they could receive as much as $ 5,400. These grants can be used to cover many of the miscellaneous college expenses. There’s also another great program: the American Opportunity Tax Credit. This tax credit makes a way for students to write off the first $ 4,000 of their education costs. This is a worthy incentive, especially for schools that are less expensive. A grant for a working mother as well as a tax credit can help fund much-appreciated educational advancement. Another great factor is that students aren’t particularly targeted based on what or where they study. Diversity is encouraged. Moms and students of all kinds can go to school with a little less to worry about. Making more efforts to improve education opportunities is the best way for President Obama to show that he values them. The new stimulus package has some benefits for potential college students. The administration is also focusing on improving the performance of schools at all levels. Since many overlook community colleges, there is emphasis on increasing their effectiveness and appeal. To attend a 2-year college has a number of benefits, including saving money and learning a trade or skill. In a 2007 speech called Reclaiming the American Dream, the President said that making college education more available is “the best investment we can make in our future.” With the measures he has taken to this point, the President has demonstrated he means his words. Scholarships for moms are only a small part of the mission to help educate more people. Traditional and non-traditional students alike have numerous opportunities to put their education first.
So what’s holding you back? Take advantage of a ,000 scholarship drawing. Registration is free if you visit http://www.scholarshipsformomsfinder.info/
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3 Big Money Mistakes You Should Avoid in College
3 Big Money Mistakes You Should Avoid in College
Between 2005 and 2013, the total amount of outstanding federal student debt among seniors 65 and older grew from $ 2.8 billion to $ 18.2 billion, according to the Government Accountability Office. From 2002 through 2013, the … Since it"s not uncommon …
Read more on Wall St. Cheat Sheet
Your Student Loan is Killing the Housing Market
Millennials already have to deal with hefty debt from college, an iffy job market, and growing up in an era where MTV no longer plays music videos, but now they"re being blamed for holding back the real estate boom. Homebuilder adviser John Burns …
Read more on Motley Fool
Read More 3 Big Money Mistakes You Should Avoid in College
LOANS FOR STUDENTS ? SIMPLE MONEY FOR THE STUDENTS
In student life there are various requirements in which you need money. Due to lack of money in your account you cannot meet the requirement. If you are going to ask your parents or guardians then they may take a long to arrange the money, and then transferring the same in your account. Ultimately, there is a chance that the essence of the money can be lost. So, in order to get money in time, you always have to rely on the financial lenders. This scheme may be costly, but the money delivery and process by which money is delivered is very easy and quick. The best thing about the scheme is that this scheme can be accessed by one mouse click. You can get the money with the help of loans for students’ scheme, in which you have to mention the details of your student identification.
The loans for students scheme is a scheme in which you can get the scheme by one mouse click, because the lenders are available on the net. You can access the lenders anytime from anywhere if you have an internet connection in your college or hostel. The lenders have prescribed a simple scheme. First of all, you have to make login into the lender’s account. After that, you have to check the terms and conditions to make sure that these are matching your requirement. After that complete the online application form and submit it to the lender. The lender has prescribed the form to know the details from you. These details may be as:
• You are an adult UK citizen.
• You are a student of school or college recognized by UK government.
• Your guardian is having a permanent job in UK from atleast 24 months.
• He is earning a salary of more than 15000 bucks and he is not having bad credit score.
• You are having a bank account in which amount has to be transferred.
Sooner, you will get the money in your account. Your guardian can repay the money on the payday without any worry. The interest of the scheme is less than other schemes.
Keron Breson has been working with a reputed firm of loan providers. He is providing his valuable knowledge to the people who need loans for their personal purposes. To know more about student loans wales , paying back student loans visit http://www.loansforstudents.org.uk/
Read More LOANS FOR STUDENTS ? SIMPLE MONEY FOR THE STUDENTS
Sunday, September 28, 2014
UM student drafts solution for debt repayment through tax withholding
UM student drafts solution for debt repayment through tax withholding
Mitch Everts, a political science and pre-law student at UM, spent his September crafting what he refers to as the People"s Bill, allowing students to repay their college loans by opting to withhold an additional percentage of their income taxes. “It"s …
Read more on Ravalli Republic
Mistakes Parents Make With Financial Aid
Some parents take out home-equity loans to cover college expenses, only to find themselves penalized for having a lot of cash sitting around. "If you put it in your checking account, it"s going to be fully assessed in financial-aid eligibility," says …
Read more on Wall Street Journal
On the Money: Uncle Sam won"t forget about your student loans
If you borrow for college and find yourself unable to pay at some point, you won"t be able to escape the loans. Unlike all other overwhelming debt problems, you are not allowed to take student loans into bankruptcy court and end up free of your …
Read more on TwinCities.com-Pioneer Press
Read More UM student drafts solution for debt repayment through tax withholding
College Debt Leaves Generation X Grads Less Wealthy Than Parents
College Debt Leaves Generation X Grads Less Wealthy Than Parents
Lackluster saving among the cohort, those born between 1965 and 1980, has come as student-loan balances persist into middle age. Generation X"s financial straits could come with economic aftershocks, making it difficult for parents to afford college …
Read more on Bloomberg
Career paths that will reduce or wipe out student loans
As classes commence, college students are understandably queasy. Seasoned professors will challenge their thinking; peer pressure will tempt them; and debt will begin haunting them. "It worries me," said University of South Florida Senior Leah Carroll.
Read more on MyFox Chicago
Read More College Debt Leaves Generation X Grads Less Wealthy Than Parents
Saturday, September 27, 2014
Understanding Business School Grants
In most business organizations, a college degree will not suffice for someone to go up the corporate ladder. There is a need to pursue a higher degree especially in business management. This will help ensure that the employee who will be assigned in a higher position can assume a role that would require managing a company’s department. There is a reality that must be dealt with when it comes to business school opportunities. Not all companies have a budget to provide free or subsidized education for their qualified employees.
This is the main reason why business school grants exist. They are being offered to individuals who would want to pursue higher positions in their respective companies. Their careers definitely require them to attain a higher education that can only be done through business schools. There are companies and student loans and they can be really tempting. One must seriously consider the existence of business school grants.
It is crucial to know that grant money is very different from student loans. It does not require any payment after the completion of the degree. The major goal of school grants is to aid individuals in pursuing their education when they are having financial difficulties. In this manner, they truly focus on their studies without worrying about the payment of their educational expenses. School grants are usually being offered by the government, colleges, universities and private organizations.
The US federal government offers college grants through the Federal Pell Grant and the Federal Supplemental Education Opportunity Grant. These two grants are open to US students who want to pursue a bachelor’s degree or even an associate’s degree. The primary priority of these grants is to provide assistance to individuals with the most financial need. In this case, students or individuals from rich families will not qualify automatically.
There are instances wherein individuals won’t qualify for federal school grants. If this occurs, the next best thing to do is to look for business schools. There are business schools that can actually help them with their needs. There are business school grants that are based on financial needs. There are also grants that are merit based. The latter would require that interested parties will be able to maintain a specific grade point average. There are cases wherein they should be enrolled in a specific major or field of expertise. Such grants are known as fellowships or scholarships.
Some business school grants simply vary in titles or branding but they have the same purpose. Also, they do not require any payment once a person graduates or finishes his or her studies. It is essential that any interested individual must fill out the federal Application for Federal Student Aid (FAFSA) form. They must always keep in mind that most grants are on a first come, first serve basis.
Interested individuals are encouraged to complete all requirements and most of all, submit them as soon as possible. They must also set an appointment with the business school’s financial aid department once they have filled out the FAFSA form. This will help them know and understand the availability of business school grants being offered. It is also important to know that these grants are not usually advertised. Interested individuals must take the initiative in getting pertinent information.
Kaori Tutor in learning how to pay for your schooling and classes. If you’d like to know more about our information, please visit our pell grant requirements page and our wonderful seog grant application page.
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Latest Student Debt News
The 5 Colleges That Leave the Most Students Crippled By Debt
A handful of for-profit colleges are responsible for a disproportionate number of the defaults, according to the new government statistics. The Education Department says it will stop making loans to students at the 21 colleges with the worst default rates.
Read more on TIME
Read More Latest Student Debt News
What Is The Perfect job
Did you know that a job is one of the easiest ways to determine future success? A study was conducted that actually determined that people who dropped out of high school made less than those who graduated high school who made less than those who received a bachelors degree who made less than those who receive a masters degree. While all of this is very interesting, it does not get you any closer to finding a job, which you most likely are going to need!
A job is one of the easiest ways to ensure that you are able to provide for your family. While winning the lottery might tide you over for a bit, most people will need the money from their job to pay for their bills and desires. Do not forget that we are currently in a recession. A recession is three consecutive quarters of negative GDP. That means that the economy has actually been retracting due to the amount of gross domestic product that has been produced. Do not think that this means that your job does not exist. There is a job for every person somewhere within the economy. However, it may take longer for some people to find their job than for others.
One of the easiest ways to find a job is to have higher educational training. Most people meet other contacts when they are going through college. Whether you complete an internship, have a meeting with a business executive or simply work at a job, keep that persons contact information. Best of all, you can ensure that you know how to contact the person to keep up to date with them on a regular basis. Do not pass up opportunities to network, ever!
Networking is one of the most important tools to ensure that you can find a job that you fall in love with. Some people do not enjoy networking but it is still very important and almost everyone will have to do some form of networking to find a job.
Once you have found a job, you need to ensure that you are ready to work with your full effort into the job. There is no sense in working at a job that you will not give your full effort and abilities towards. While you may not be the best person working at the job, the most important task for each individual is to work as hard as they can at their job. People are able to succeed and be the best that they can possibly be by working hard at their job.
Alex Wu operates a free advertising website that lets people advertise, build groups, and connect. He hopes to create an active environment for businesses to place their job listings.
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NC Attorney General offers tips on student debt, scams
NC Attorney General offers tips on student debt, scams
North Carolina Attorney General Roy Cooper is traveling the state, visiting colleges to warn students about scams and identity theft, to offer tips when it comes to student debt. Cooper stopped in the Port City and spoke to students at Cape Fear …
Read more on WECT-TV6
Senior citizens burdened with student debt
Rosemary Anderson could be 81 by the time she pays off her student loans. After struggling with divorce, health problems and an underwater home mortgage, the 57-year-old anticipates there could come a day when her Social Security benefits will be …
Read more on The Detroit News
Read More NC Attorney General offers tips on student debt, scams
Instant Unsecured Loans ? Instant Financial Aid
Most of the financial issues can be solved by the savings and having small money from the friends and relatives. But if you need money in which you cannot arrange money from anywhere then you might need for financial lenders. These lenders are secured as well as unsecured. But if you need money instantly, then only unorganized lenders can help you. Most of the lenders in UK are unorganized. They can lend you money anytime for any kind of financial need. The lenders can help you even if you do not have any asset for the purpose of security. You may be asked to convince the lender by anyway. You can show him your income statement or anything else. The scheme you can use for the same is instant unsecured loans scheme. With the help of this scheme, all your financial issues can be solved in few minutes, and you will get plenty of money to solve these. The terms and conditions o this schemes are very easy and even the repayment of the scheme is very easy.
The instant unsecured loans scheme is a scheme in which you can grab this scheme online. No need to visit the lender personally. Now your finance is one click away from you. So, imagine how quick the finance is. You need to log in into the website of the lender and check the terms and conditions. If the terms and conditions are in comfort with you, then apply the scheme without any hesitation. Do not worry about the formalities. It will not be performed, whether it is credit checking process, or it is any other relates to scheme. Just complete the application online showing him that:
• You are a UK citizen.
• You must be above 18 years of age.
• Your monthly income has to be more than 1500 bucks.
• You are employed on your current job from at least 12 months.
After this the amount will be transferred in your checking account immediately. You need to submit the checking account details properly. The rate of interest is low. The amount has to be repaid near the payday.
An easy and consistent guidance can be expected from Kelvin Lopez. He contributes regularly to the financial industry through his articles and right suggestions about quick decision loans , personal unsecured loans visit http://www.instantunsecuredloans.org.uk
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Friday, September 26, 2014
Schauer, Snyder spar over student debt, Granholm
Schauer, Snyder spar over student debt, Granholm
Rick Snyder for a 15 percent cut in funding for public universities in 2011, saying it"s a factor in students" rising debt. The Snyder campaign, meanwhile, questioned why Schauer"s running mate recently said former Democratic Gov. Jennifer Granholm"s …
Read more on Lansing State Journal
Elizabeth Warren to Republicans on student debt: "Come and talk to us"
Calling student debt the “most important thing” Congress can focus on, Orman called on lawmakers to allow student borrowers to discharge loans in bankruptcy. Unlike other loans, student loans are generally not dischargeable in bankruptcy. Even if a …
Read more on Fusion
Read More Schauer, Snyder spar over student debt, Granholm
They're 65, Collecting Social Security & Have Student Loans
They"re 65, Collecting Social Security & Have Student Loans
Now before you say, "they shouldn"t be paying for their kids education this long" get this: 80% of this is debt is because the parents never paid their loans or went back to school in their 40"s or 50"s. But here"s the issue, nearly 25% of older …
Read more on WFMY News 2
Strategies to help senior citizens repay student loans
The numbers are startling and keep growing. I"m not talking about the federal deficit. I"m talking about student loans. The amount of outstanding student loans is more than either charge card debt or auto loan debt. And when most people think about …
Read more on Hometownlife.com
Colleges Win, Student Borrowers Lose In Obama Administration Absolution
The U.S. Department of Education is turning its back on at least 1,000 borrowers in favor of shielding their former colleges from potentially crippling sanctions that would have resulted from high rates of default on federal student loans. The move …
Read more on Huffington Post
Read More They"re 65, Collecting Social Security & Have Student Loans
Federal Education Grants Granted To You
Everybody has the right to education. It is our duty to execute this right that has been bestowed on us. However with the price hike of everything, education has also been affected. You cannot get educated at the rate of peanuts. The expense that education calls for is one of the most dreadful nightmares for everyone.
But there is definitely an escape route from this predicament. There are education grants for students that can be availed by various students. These grants would fund their education and help them create an identity for themselves. The US Federal Government has arranged for federal grants that are available throughout the year and students can apply for them.
For example there are federal education grants that can be availed through the Vermont Department of Education and from other online resources. Under the federal education grants there is also the adult education state grant program that is provided by the Department of Education.
It aims at providing funds and grants for adult education, literary services and civics education programs. There is an eligibility criterion for being able to avail this grant. Students must also be aware and conscious of the deadlines of the federal education grants as if they miss it then their chances of getting the grant would be thwarted.
Along with the federal grants, the Federal Programs and Grants provide various other fellowship programs for the students that can be of great financial support for them. At Philanthropy Journal it has been mentioned that there are several groups of big foundations that offer more than 500 million USD to the grants in order to improve the education standards and also to unburden the pressure on the schools for finding funds for students.
These grants can be availed by teachers as well. Those who cannot believe this fact, then they can go through Financial Aid Finder and discover that there are education grants that are provided to the teachers or those who aspire to be one. The Congress arranged this type of program in the year of 2007.
If you have any questions or for more information please visit our website federal education grants. Partners and Profits has been designed to help individuals learn what types are available for them to apply for and also how to get approved for these grants. Visit our resource directory today at http://free-grant-money.org/
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Thursday, September 25, 2014
Interested in Applying for Pell Grant
Do you need financial assistance for school? Consider applying for pell grant. There is a great scope to gather money for your study support. Your can easily fill up the application Free Application for Federal Student Aid or FAFSA and get financial support of Pell Grant sponsored by U.S Department of Education. Although it may seem difficult, there are many free resources to help you in completing application process. A question may arise out, where to find the FAFSA? There are two versions of FAFSA— Soft copy by Electronic media and hard copy i.e. paper by calling 800-4-FED-AID (433-3243). The electronic version of FAFSA is available online. You can download FAFSA from http://www.fafsa.ed.gov. There are three sections you fill out: Before Beginning a FAFSA, Filling out a FAFSA, and FAFSA Follow-up. Before starting applying for pell grant process you have to collect: (i) a completed Income Tax Return of You and your family, (ii) United State Department of Education personal identification number or your PIN which you can obtain by filling out a brief application at http//www.pin.ed.gov. An online application in applying for pell grant is ready for you which you can complete, submit and track. It’s a simple job to apply for federal aid. There’s less chance of making a mistake because the online program checks your data before transmitting to the processing center. If you failed to complete FAFSA application, the website of the government can help you to complete the FAFSA. There is a detailed, question guideline to fill-out the FAFSA. If you complete FAFSA, financial information of your family will be studied by means of the federal need formula. For detailed help , call or contact: Federal Student Aid Information Center (FSAIC) at 800-4-FED-AID (433-3243) / TTY 800-730-8913. It opens from Monday through Friday, at 8 a.m. to midnight Eastern Time and also opens during Saturdays from 9 a.m. to 6 p.m. Eastern Time
For more details about Applying for Pell Grant, check my site at http://bankhelpsite.com/applying-for-pell-grant-things-to-consider-and-prepare/,so you can read on Applying for Pell Grant
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Student loan debt and the housing market
Student loan debt and the housing market
Sarah Luna graduated from the University of Southern California with about $ 75,000 in student-loan debt. She lives in an apartment in Glendale, Calif., and would like to buy a home, but knows her student debt will keep that dream somewhere down the road.
Read more on Florida Courier
Jubilee for student loan debt is no cause for celebration
An anti-debt organization is playing fairy godmother to Americans drowning in debt, swooping in and paying off bills randomly to protest “unjust” expenses. Rolling Jubilee claims it is fighting against the oppression used by the 1 percent to control …
Read more on World Magazine
Read More Student loan debt and the housing market
Ohio treasurer visits Delta Systems
Ohio treasurer visits Delta Systems
17 visit to Streetsboro"s Delta Systems, students have been encouraged to send out applications to four-year colleges where they earn a liberal arts degree and accrue heavy college debt with scant hope for a job with earnings on the same scale as their …
Read more on Aurora Advocate
College sticker shock
Interestingly enough, the engineering professor who gave our presentation received his undergraduate degree from Penn State. And his master"s and … No house, no cars, no food. No problem! When I went to college, it was the great equalizer. An …
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About Shirdi
Shirdi is one of the most often visited spiritual place in India. It is land of divinity where saint Sri Sai Baba was born. It has innumerable numbers of tourists who visit the town each year to seek the blessings of Shirdi Sai Baba.
Shirdi, the pilgrim city, is located almost 280 km from Mumbai. Shirdi pulls down tourists and devotees from all across the globe to its holy lands. Shirdi is situated in Ahmednagar district in Maharashtra state and is about 185 km off the coast of the Arabian Sea. Shirdi was the place where Sai Baba lived till accomplishing Samadhi in the year 1918.
Shirdi is a leading pilgrimage centre and has more tourists plying the city throughout the year. Some of the festivals like Baba’s death anniversary, Guru Poornima and Dussera witness lakhs of devotees visiting this holy place. Baba’s death anniversary is remembered in the month of October each year.
There are so many pilgrimage places to visit in the city of Shirdi. Some of them are Dwarkamayi (Masjid), Samadhi Mandir, Chavadi, Khandoba Raya temple etc.
Dwarkamayi (Masjid):
This is the place where Baba lived, prophesied, performed his marvelous effort and kept up his “Dhuni” (a sacred fire that still stays lighted). If you are here to feel the true resonance of the Sai Baba, this place will contribute you the essence of Baba’s glory.
Chavadi:
This point is located near to Dwarkamayi. On the alternate days, Baba used to sleep in the Chavadi. Till date, Baba’s foot marks are carried in a ceremonial procession from Dwarkamayi to Chavadi on every Thursday night.
Samadhi Mandir:
The is the place where Baba’s was buried. Baba promised that he would perceive and help his followers relive them from suffering and pain even from his tomb; devotees visit his shrines to attain satisfaction and relief. It is situation in the heart of the city and has no entry fee. After the Samadhi Darshan, devotees usually go to Gurusthan where Sai Baba was first seen meditating by the people of Shirdi. The temple site also have samadhis of some of the devotees of Sai Baba.
Khandoba Raya temple:
This is the place where for the first time Mahalsapati welcomed Sai Baba and realized that he is not an ordinary saint. This place is situation near the highway and it is hardly at a distance of about 7 minutes walk from the temple.
If you want to visit Shirdi using cheap air tickets , Aurangabad is the nearest airport. You can also Shirdi using helicopter as the Sai Baba Sansthan have helipad, and you need to get permission before using it. Flight tickets booking
If you want to visit using rail service, Kopergaon station is the nearest distance, which is about 15 kilometers from the town and highly well connected with a numerous state buses, taxis and cabs plying every minute peculiarly to bring in the tourists.
Many travel agency companies provide package trip by buses with less affordable prices from different major cities. You just need to do is book your ticket using internet or by visiting nearest travel agency.
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Wednesday, September 24, 2014
College Scholarships And Grants For Eligible Students
College scholarships and grants are really helpful for students who have the dedication and commitment but lack fund to pay for their fees and educational expenses. There are many scholarships available and so you will have to search out the ones that are suitable for your situation and are capable of funding your entire course or years of degree course. It is always better to opt for such scholarships that provide you money for the entire course. However, yearly scholarship awards can also be opted as they offer good sum of money.
So, you will have to search the scholarships, go through the details, see whether you qualify for them and then analyze and apply for the most suitable ones. Selection of right scholarship is essential so that you stay assured and burden free throughout the period of acquiring your education. Since needs of students vary, so do the requirements for the scholarships vary. The next thing that you have to keep in mind is how to apply for the scholarships. The application form, essays, letters of recommendations, legal transcript and your personal statement are the documents that will speak about you and your personality.
College scholarships and grants must be applied for smartly giving details accurately and honestly. Keep in mind that when you have prepared your personal statement, it should highlight your qualities and abilities in such a way that the panel finds you perfect for the award money. Make sure everything is true and accurate. Customize your essays even if they are on similar topics. Try to revolve your subject area around the expectations of the sponsor. It should look like the thoughts and experiences are yours and are just matching with those of the sponsor.
Prepare well for each application procedure. You must apply for each scholarship as if that is the one and only option left for you. With this attitude, you will have improved chances of winning the award money for college scholarships and grants that you will apply. Apply for suitable scholarships today so that you can attain your degree without any financial burden.
Carl Evangelista helps you with a step-by-step guide to obtaining scholarships for any need. Whether you’re looking for scholarship research, proposal writing tips, or just to see if there is a scholarship that fits your needs. For more info visit www.scholarshipsorgrants.com
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Latest Student Debt News
Bemoaning the Student Loans
Currently, the number for national student loan debt is estimated to be over $ 1.2 trillion, according to FinAid statistics. Last Tuesday, the U"s Personal Money … Her advice is to avoid taking out a loan if possible. For students with loans, Martinez …
Read more on Daily Utah Chronicle
A gen ed breakdown: understanding UB"s potential revamp
The proposed math and quantitative reasoning class may allow students to fulfill their math requirement with classes that could focus on things like credit card debt or personal finance, according to the proposal. The proposed curriculum also has …
Read more on University at Buffalo The Spectrum
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Latest Student Debt News
So You Want to Go to College?
If you are looking for a merit scholarships (which are based on academic performance) in order to avoid taking out the massive student loans we keep hearing about in the news, your test scores may still matter. If your ability to attend depends on your …
Read more on TheRecordLive.com
Confessions of a Master Scholarship Coach
She then parlayed her experiences into a book, “How to Graduate College Debt-Free With Money in the Bank,” as well as a career as a scholarship coach. Her professional title is unique, but the need for her services certainly isn"t … Factor in the …
Read more on Forbes
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Financial Aid, Family Farms & Small Business
The college financial aid system can be a great friend to farmers and small business owners. The FAFSA, free application for federal student aid, has specific provisions built into the form to accommodate the unique financial situations of farmers and small business owners.
Farmers do not have to report farm assets if they live on and operate the farm. These assets include
land
buildings
tractors, combines, and other equipment
livestock
crops
and farm accounts
If your family is only an investor in a farm and does not actively participate in its operations, you cannot exclude the farm assets from the financial aid calculations. Farmers must be active operators to exclude the farm from their FAFSA.
Small business owners receive very similar treatment. If your family controls and owns at least 50% of a business that employs fewer than 100 full time or full time equivalent employees, the value of that business does not have to reported on the FAFSA.
“Your family” does not necessarily mean your immediate family of Mom, Dad, 2.5 children, and the dog. “Your family” can include any immediately related family members such as:
parents
brothers & sisters
cousins
spouse
step-parents
and brothers or sisters in-law.
For instance, if your father owns 30% of the business, and your uncle owns 30% of the business, and a family friend owns 40%; then your family owns 60% and can qualify for the small business exclusion.
Just as with the family farm exclusion, all business assets are excluded from the FAFSA calculations.
This gives business owners and farmers tremendous flexibility in the financial aid process. They have a ready made shelter available to them at anytime. If families find they have assets in excess of their asset protection allowance, they can easily move assets from their personal accounts to their business or farm accounts. And when working with a good accountant, the family business or farm can often absorb taxable income while ensuring needed cash flow.
http://www.realcollegesavings.com provides more information on the college funding and selection process. Download the free report “The 14 Great Myths to Paying for College” while you are there.
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Tuesday, September 23, 2014
What student loan refinancing could mean to me
What student loan refinancing could mean to me
Unfortunately, I"m also part of a generation that is struggling to repay student loans. With tuition prices soaring since the Great Recession and financial aid support remaining stagnant, more than 1 in 8 student loans are currently in default. I pray …
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Latest Student Debt News
Letter: Loss of jobs driving student loan crisis
It is becoming increasingly common to find college graduates saddled with massive student loan debt. … Students those days were a lot of young men with money — or with parents with money — getting deferments to avoid the draft and the Vietnam War.
Read more on Topeka Capital Journal
Personal finance tips: New rules for inherited Roths, and more
But there is "a downside to avoiding credit cards entirely," since a thin credit history can make it hard to get a mortgage or car loan. A good middle … The share of elderly Americans with student loan debt jumped to 4 percent in 2010, up from 1 …
Read more on The Week Magazine
Freshers" Week could mark start of debt crisis for students
Its research showed, for instance, that three out of five students don"t understand the repayment terms of student loans. Meanwhile … "Universities have a duty of care to help students address money worries and avoid crippling debt," she argues. But …
Read more on The Independent
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Best Student Loan Options
In the event that education costs are higher than expected or if extra funding is required to meet the full expenditure of education, then students loans would be the only option that remain to be tapped through either the students or their respective parents. Student education loans can either be Federal or Private, each coming with its own set of rules/regulations and interest rates. In general, students are cautioned against taking private student loans if it’s avoidable as they are less friendly than their federal counterparts and often charge variable interest rates with variable overhead cost.
Federal student collegiate financial loans, on the other hand, are offered by governmental agencies and have better repayment terms with numerous flexible pay-back options. In fact, experts often suggest that students must ensure that they have exploited all kinds of financial help alternatives first, before starting to look for financial loans, as these are supposedly the best to favorably pull out education money which you don’t have to repay back at all. If this does not really cover your education costs, then only start searching for student loans options. And better if you search for federal loans before tapping private financial institutions for any loan.
Federal and private student loans – Federal loans for students have fixed interest rates and flexible repayment conditions. Private student loans however have interest rates which are variable with a higher up-front initiation fee. These fees can, in truth, elevate the actual cost of the loan and cut down the actual amount of cash that is available at the end for college student use. – Private student loans come with variable overhead charges since it is directly dependent on the credit history from the borrower. This precisely means that a good credit can substantially lower (sometimes 3-6% less than federal student loans rates) the interest rates and vice versa.
Yet, private student loans tend to be unavoidable. Why? Because, without them, it is virtually impossible to fill the gap in educational funding that your educational funding and federal loans may still leave room with regard to. The current scenario in fact, looks brighter for variable rate private loans sector since rates of interest have hit an all-time low now and it may actually cost you much less than the set federal loan.
Interest rates will rise at some point of time later on but right now, private student loans can enable you to get money at lower rates.
If you’d like more info on banks that offer student loans then see this link. You can also learn more about Federal Student Loan Programs right here at this site.
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Monday, September 22, 2014
What Is Aquaponics
What is Aquaponics?
Aquaponics can be loosely described as the combination of aquaculture and hydroponics. A natural environment where fish are kept healthy and happy and provide for a chemical free environment, without the use of costly fertilizers and pesticides. Fruiting plants and vegetables take advantage of the nutrients provided by the fish and in return clean the water in a symbiotic relationship.
This system provides healthy fresh food on the weekly menu as well as creating a relaxing hobby from the two most popular pastimes in Australia, gardening and fishing.
Hydroponic systems rely on the careful application of man-made nutrients for the optimum growth of plants. The nutrients are made from mixing together a concoction of chemicals and trace elements to form the perfect balance. Water in hydroponic systems needs to be discharged on occasion as the salts and chemicals build up in the water which can become toxic to the plants.
Aquaculture systems focus on maximizing growth of fish in tank or pond culture. The fish are usually heavily stocked in the tanks, often 10kg in 100L of water. The high stocking rates often mean that the tank water becomes polluted with fish effluent which gives off high concentrations of ammonia. Water has to be discharged at a rate of 10-20% of the total volume in the tank on a regular basis. This water is often dumped and may pollute sensitive ecosystems and destroy waterways.
Aquaponics combines both systems and in doing so cancels out the negative aspects of each. Instead of adding harmful chemical solutions to grow plants, aquaponics uses highly nutritious fish waste that contains many nutrients required for optimum growth. Instead of discharging water, aquaponics uses the plants and the media in which they grow to clean and purify the water, after which it is returned to the fish tank. This water can be recirculated and only has to be topped up when it is lost through transpiration and evaporation.
Fish are a key element in all aquaponics systems as they are required to produce feed for the plants. All fish produce waste, the more food that they consume the more effluent they will discharge into the water. Any fresh water fish can be used, such as Barramundi, Rainbow Trout and Silver Perch or even goldfish, however it is important to keep in mind their specific needs and characteristics. Some fish need cool temperatures to thrive and are therefore best suited to winter months or colder areas. Other species prefer warmer temperatures and are best suited to summer months and warmer areas.
Plants are the purifiers in an aquaponic system and therefore are a major element. The plants role is to clean the water for the fish. Plants that are best suited to this are vegetables, fruits and herbs as they consume large amounts of nutrients. Other plants can be used but consideration should be given to whether or not they lay dormant during the year (a period of low growth and low nutrient uptake). Be mindful of plants that have invasive roots such as mint and watercress as they are very hard to remove once they are established. Plants need beneficial bacteria to access the fish effluent.
Beneficial bacteria are what combine aquaculture and hydroponics, without bacteria the system would not function. The bacteria occur naturally in air, water and soil and will begin colonising the system on all surfaces, as soon as ammonia (fish effluent) is present. The process is called the nitrogen cycle and leaves the water clean after the plants have extracted the nitrates.
By working with nature we encourage natural processes that can be monitored and recorded for lessons in schools on integrated science, biology, horticulture, health, society and environmental issues. Aquaponics is ideal for the backyard vegetable patches, schools, universities, restaurants, hotels and almost anything.
Aquaponics systems are gaining popularity and can be used to grow food for personal use or for commercial production. The most popular fish grown in aquaponics systems is tilapia. However, some growers have had success growing largemouth bass, perch, carp, crappies, bream, and some ornamental fish such as Koi and goldfish. The plants that are traditionally grown in these systems are lettuce, other salad greens, and succulent herbs such as basil. Some commercial systems that feature densely stocked fish tanks can grow tomatoes, cucumbers, peppers, and even melons. Both systems are in a controlled environment, meaning light and temperature are controlled. The primary crop is the vegetable and the fish are secondary, meaning commercially.
aquaponics
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America's Student Loan System Has Created Perverse Incentives For Law Schools
America"s Student Loan System Has Created Perverse Incentives For Law Schools
Throughout the summer, Massachusetts Senator Elizabeth Warren has been promoting legislation that would provide relief to students with educational debt. As the Senate concludes its work — and I use that word loosely — before the November elections, …
Read more on Business Insider
million donation to help alleviate student debt for business and economics …
Fred Tattersall, an investment executive and finance graduate of the West Virginia University College of Business and Economics, has donated $ 1 million in scholarship money to help his alma mater"s business students alleviate their student debt. Thanks …
Read more on State Journal
Waubonsie Valley grad tackles student debt crisis
Anderson, a 2010 graduate of Waubonsie Valley High School, wants to tackle the growing student-loan debt crisis many experts say could lead to an economic bubble to rival the housing meltdown. And he"s intent on doing this for one reason: So future …
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Most millennials avoiding credit cards
Most millennials avoiding credit cards
Also, many millennials are carrying debt from historically high student loans, which may make them unqualified for a credit card. But the Bankrate study suggests that beyond that, millennials are simply uninterested in using credit cards. “Millennials …
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How to avoid supermarket sales tricks
In a recent survey, a majority (54 percent) of the parents said they"re worried that their retirement will be jeopardized by student loan debt. That survey was done for Citizens Financial Group which operates Citizens Bank and Charter One Bank …
Read more on Today.com
Bringing the States Back In
In the absence of incentives to add value, I foresee many states defaulting to the freebie and reducing their community college spending to zero. Arizona has already come close.) I agree with much of … So we"d have increased federal spending …
Read more on Inside Higher Ed (blog)
Read More Most millennials avoiding credit cards
What is Leadership?
Leadership is the ability possessed by some persons to motivate, guide & lead others. Those who are lead may have hidden abilities and potential which can only be realized under able leadership. This is similar to a child having the ability to sit, move, speak or walk but requiring someone to guide or lead him.
True leadership is helping people to achieve their full potential by giving them a purpose & direction.
The qualities of a Good Leader are:
Natural Ability: Some people are born leaders with a burning desire to forge a different path.
An example to follow: Good Leaders set great examples for others to follow.
Good leaders are good listeners: A good leader is not ashamed to seek suggestions from the people whom he leads. It improves participation and productivity.
Constant Improvement: Leadership qualities need constant refinements. A fine leader is always in the making.
Be one with the team: A leader should never stand aloof from his men. Encouraging those who come out with positive suggestions boosts their morale.
Encourage education & training: It is a truism that learning never ends. Constant education and training helps people to contribute to better team performance.
Never hide your mistakes: Only those who act can commit mistakes. The team greatly admires a leader who accepts his mistakes as a mark of true courage.
Tackle the bad apple: Do not allow a problem creator to get away. Tackle him immediately and firmly.
Celebrate each other’s success: Team members must be trained to appreciate and acknowledge each other’s achievement. Crab mentality where each pulls the other down must be avoided at all cost.
Motivation: An important way to motivate your team is to hold functions, give awards and generally recognize achievements of the team.
Awake abilities: A good leader conducts contests and competitions to bring out the latest talents and abilities of the team.
Expose: A good leader gives his team maximum exposure so that they gain experience and knowledge in all kinds of situations.
Hi I am Piyush Bhatia the Founder and CEO of www.bmconsultantsindia.com, Mumbai, India. Come and learn English with us. Along with English training we also, enhance people’s confidence, public speaking, presentations, business English, grammar practice email drafting and group discussion skills.
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Sunday, September 21, 2014
Latest Student Debt News
Editorial: "Free" isn"t on a platter
Kitzhaber"s plan has a goal of 40 percent of Oregon students graduating high school, 40 percent attending higher education and 20 percent earning at least a bachelor"s degree. Unfortunately, the 40-40-20 plan doesn"t account for the students who wouldn …
Read more on Dalles Chronicle
Paying tuition a challenge as costs skyrocket and aid varies
Tammy Abercrombie thought she did everything right to ensure that her daughter Tyanna, a high school senior at Aliquippa Junior/Senior High School, wouldn"t become another student bogged down by college debt. The Abercrombies opened a college …
Read more on Tribune-Review
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Latest Student Debt News
Strike Debt Wants To Buy And Eliminate Student Loans
Before that can happen, the group is trying to relieve all student debtors from their burdens. According to NPR, Strike Debt"s Thomas Gokey says the next step is to organize people to press for policy changes so debtors can be released from loans they …
Read more on Business 2 Community
Million student loans eliminated by Occupy Wall Street Group
On the third anniversary of the Occupy Wall Street organization Strike Debt and its project Rolling Jubilee, it was announced that it has purchased and eliminated $ 4 million dollars in unpaid private student loan debt from lenders for students of …
Read more on Uncover California
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Saturday, September 20, 2014
Congressional Bill Could Help Married Couples Deduct More Interest on Student ...
Congressional Bill Could Help Married Couples Deduct More Interest on Student …
Pocan introduced on Thursday the Student Loan Interest Deduction Fairness Act, which would help low-income households who have made payments on their loans access greater equity in receiving the Student Loan Interest Deduction currently available to …
Read more on Accounting Today
More lenders are offering student-loan consolidations
Dear Liz: I have four private student loans that I would love to consolidate so that I can have one medium-size monthly payment instead of four large ones. How do I go about finding a company that will consolidate them? Answer: If you have good credit …
Read more on Los Angeles Times
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Beaumont men accused of defaulting on student loans
Beaumont men accused of defaulting on student loans
The National Collegiate Student Loan Trust 2005-3 filed a lawsuit Aug. 19 in Jefferson County District Court against Pimbly Guidry and George Fontenot. Guidry allegedly borrowed money from Charter One Bank to attend Lamar University for the 2004-05 …
Read more on Southeast Texas Record
Read More Beaumont men accused of defaulting on student loans
Necessity Of Financial Aid For Students: Reasons To Apply For It
You enter a college. You want to become independent. You want to get enough opportunities to study and get the necessary level of knowledge. Have you already heard about the idea to apply for financial aid and decrease your educational expenses? Well, nowadays, government of almost each country and state offers students to apply for financial aid, point out several powerful reasons, and prove that students’ abilities and attempts are worth attention.
GOVERNMENTAL REASONS FOR FINANCIAL AID
Do you need more reasons of why you need to apply this kind of help? You are welcome:
1.It is usually free for students (all you need is to gather documents, fill some files, and present your work);
2.It is also possible to qualify for financial help (you can ask for help and get to know that has to be done, what conditions need to be considered, etc);
3.It is usually covered by government and characterized by federal levels (federal government provides the best loan terms for students);
PERSONAL REASONS FOR FINANCIAL HELP
A student may face different personal and academic problems like:
1.Low family income;
2.Expensive books and other materials for studies;
3.Necessity to buy a room in a dormitory;
4.Health problems.
So the possibility to get some financial help turns out to be a good idea to solve some of these problems.
TYPES OF FINANCIAL HELP FOR STUDENTS
The peculiar feature of financial aid for students is its double nature:
1.merit-based (students’ awards demonstrate their huge potential, and such financial help is a kind of gift for such achievements);
2.need-based (student knowledge and abilities may be unbelievable but parents’ impossibility to choose the best college prevents the development of this potential, so that this aid is obligatory for some students).
As you can see, the idea of financial help and the necessity to apply for it are worthy of attention and recognition because it helps to find out really skilled students and promote their possibilities.
Elizabeth Reed is an experienced researcher and essay writer. Elizabeth has been providing assistance to students with argumentative essay writing and custom term paper PhD for over 4 years. She is always ready to provide writing services and writing tips to students.
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Friday, September 19, 2014
SEC, CFPB Enforcement: AgFeed Fined $18M for Fattening Its Stock Price
SEC, CFPB Enforcement: AgFeed Fined M for Fattening Its Stock Price
Registration Requirements for Investment Advisor Representatives (IARs) When individuals launch an advisory firm, they must avoid marketing themselves or the firm as investment advisors before they are properly approved and registered. Otherwise, they …
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