Student Loan Debt – It’s Not Funny Anymore Kids

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Over the last year I’ve sat in Starbucks and heard many a student complain and moan, then laugh about their huge student loan debt. Well, I don’t find it the least bit funny, nor do I approve of our government paving the way to yet another bubble building exercise, but that’s what’s happening, meanwhile colleges and universities have experienced more demand than supply so they have added on new wings, new degree programs and expanded campuses, all the while raising tuition costs to; whatever the market will bear.

In some regards I find it fascinating that the left-leaning academia will continually trash on free-market capitalism while they create a Disneyland type of environment which is not based in any sort of economic reality, then have the brass nuts to tell us how to run our economy.

Now then, there was an interesting piece on MSNBC Money online news on September 2, 2013 titled; “9 Ways to Cut Your Student Loan Debt” – For many, repaying student loans is a burdensome process. Here are some programs that can lend a helping hand,” in which the article sported many novel ideas from getting scholarships to good negotiation. But I have a better idea, get a job, or quit school.

Want to know what’s even worse? Well, the Wall Street Journal has reported that “JP Morgan Will Exit the Student Loan Business,” by Dan Fitzpatrick and Robin Sidel, September 6, 2013 which noted that the company only made $200 million in 2012 from their student loan activities, and yet lent out over $6 billion. What does this mean, it means that with the number of defaults and the chances of these student loans going bad, they cannot risk the losses for such little revenue gains. Congress and the Obama Administration put in price controls, as most socialist countries due in various sectors to no avail disallowing the raising of interest rates even when more and more student loans go into default.

If the banks cannot make money in this sector or making these types of loans they will stop, once they stop there will be fewer loans. Anytime price controls are instituted, and we know this not only from history but as any good student of micro-economics, there will be shortages. JP Morgan although not the largest player in the sector, is still a well-known name and if they’ve decided to do this others will follow, just as opponents to the interest rate moratoriums had predicted, as did I. Please consider all this and think on it.

Disadvantages Of Examination-oriented Education System

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Although kids may appear to be jumping and laughing all day, they also face the threat of stress. This can come from many sources be it family issues, bullying issues or even education system. An examination-oriented education system can bring unneeded stress with improper implementation.

Grades are all that matters in an examination-oriented education system. Get a high grade and you get the affection from the teachers while other students gawk at you in awe. Low grades invite low-self esteem and isolation. This is because the students are bound to be highly competitive and subconsciously, they create caste among their friends. Those who have low grades are seen as unworthy to fit into their circle of friends.

Students are forced to know and learn everything their study by heart in order to get good grades during examination. This can be easy for some while it can be very difficult for others, especially those who are hands-on type of people. Inability to perform may only result in embarrassment although being shunned by other friends will bring harsher impact to the students’ lives.

A student will have to invest a lot of his or her time if a student wants to excel in studies. They will lose their childhood in the process, missing the chance to mix around with their peers. This can hamper their social skills learning skill, a skill that is bound to be important throughout their lives.

Once the aim is set to get higher grades in tests, other activities will have to be sacrificed. Teachers are bound to cut extra-curricular activities such as sports and also discourage creative activities so that students can study longer. This should not happen because the students have worked hard in the class and studying so they should be allowed to take part in such activities as an outlet to release stress. How can they reduce stress if they have to pore over a book day and night?

Examination-oriented education system may have a noble aim. However, the implementation should be done carefully so it will not affect the students. Everyone should understand that every individual is unique; some may excel academically while others can rely on hands-on expertise.

Teachers Day Speech

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Lecturers became necessary parts of a nation’s improvement. As a result of doing the role of teaching and making young minds into higher members of the population, this tiny cluster of folks must be given appreciation. By celebrating this event, you’ll be able to also create your brand standard whereas honoring teachers. Promote your business whereas you celebrate world teacher’s day using promotional products.

There are a ton benefits when it involves promoting a complete with promotional products. On prime of the list is the widest vary of choices that these things can bring your business. This selection of choices will surely bring you sufficient elbow space for choosing what you’re thinking that would be best for your business promoting needs.

Another edge that customized merchandise has is that they can be simply produced. In a matter of days, you’ll be able to have your chosen customized things delivered to your address. Most online suppliers promise this, and there are people who even provide free design enhancement. With the right alternative of provider, you’ll undoubtedly advertise your brand and make it in style to the market problem-free.

Additionally, custom printed products are usually low cost and will not would like a huge budget for its production. With any budget size, you’ll be able to surely have a terribly effective item that will represent your whole within the market. What you need to try and do now is to make a survey on-line of available suppliers and realize the deal that will be best for your business and budget.

In using advertising materials in creating your business popular whereas celebrating world teacher’s day, it is necessary that you pick items that are somehow related with the event. This means, your customers will surely appreciate your product, which can leave a positive impression on them. Aside from that, I’d counsel that you must attempt shopping for promotional things in bulk, as a result of doing this will undoubtedly lessen the prices that you have got to pay in the end.

Go on-line and realize the provider that may provide you the right promotional merchandise for the World Teachers Day celebration. Create an imprint of your trendy business name or logo and grab the eye of your customers. Celebrate the event and make your business fashionable!

Renegade University – The Truth About The MLM Renegade University

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The most successful network marketers are those who are able to take a system and then create a system within it. In other words, they become solution providers.

Ann Sieg promoted the concept in the Renegade Network Marketer and started a snow ball effect among MLMers who suddenly realized the power of utilizing online promotion strategies within their network marketing business.

Renegade University

Problem is, many network marketers are still failing to get going with this concept simply because it’s foreign territory to them. It’s almost as if a Renegade University needed to be established which could take people by the hand and show them how to market and promote their business.

That concept is powerful in utilizing the benefits of attraction marketing. Such a system is an ideal example for the system within the system concept. Provide the tools and the activity steps which people can follow and in the process, establish yourself as an expert within your field.

Becoming Rich With Inter-Network Marketing

Throughout history, it’s the solution providers who have cashed in on money and success. Being successful comes down to standing out from the crowd. If you can offer an eager crown the tools and solutions to their immediate problem then get ready for a wild ride up the success ladder.

Network marketing has been an enigma on the business landscape since it first surfaced. Many understood the power of it’s concepts but few actually had the skills to use them successfully.

Now, with the internet as a base for conducting marketing and promotion to a wide audience, renegade network marketers are capitalizing on it’s magnetic drawing power and many are reporting unheard of sign up rates within the industry.

The Renegade University is establishing itself as a solution for network marketers who are struggling with the concept of inter-network marketing. Getting into cash flow the very first week of your business is now common place among MLMers.

The days of joining a business and waiting months before earning your first check is fast becoming like the dinosaurs…extinct. It’s Jurassic name is network- marketing-saurus.

Find out how to get into MLM cash flow in your very first week! Join the top 5% of network marketers making money. Take a free tour of the Renegade University and put your network marketing lead generation on steroids!

College Student Credit Cards Friend or Foe

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There is much debate surrounding college student credit cards. Some swear up and down that they’re a disaster waiting to happen while others vehemently object and insist they are a must-have financial tool for college students. Which side is right?

When deciding whether college student credit cards are good or bad, you need to weigh the facts. These three truths will help you come to your own conclusion.

1. Aggressive Marketing

College student credit cards have gotten a bad rap when it comes to their marketing tactics — and some would say that it’s for good reason. You can’t hit a single college campus without coming across at least one application for college student credit cards.

That being said, while the applications are definitely readily available (to put it lightly), no one is forcing college students to sign the application. It’s the responsibility of a parent to instruct their children on wise financial decisions.

The credit card companies are marketing their product — that’s what they do. Parents need to do their part and make sure that they instruct their children in the ways of the credit world.

2. They’ve Got to Grow Up Sometime

Everyone has to grow up sooner or later and college student credit cards can provide some priceless lessons in the world of adult finance. For the first time, college students can be responsible for their own spending and their own monthly bills.

Yes, college student credit cards can provide the potential for disaster (but so can a number of situations that students encounter in college). Just because student credit cards have the potential to be misused, it doesn’t mean that they will be. Have some faith in today’s college students!

3. Paving the Way

Once a college student graduates, they’re going to need some things (a place to live and a car to name a few) and they’re going to need credit to get the things they need. If they don’t start building their credit history in college, when are they supposed to do it?

If a college student wants to be completely prepared when they graduate, they’re going to need to work on building a solid credit history while they’re in school. College student credit cards can be the means to that end.

If you know a college student (or are a college student) who has been debating about whether college student credit cards are good or bad, consider the above three facts and remember, it’s not college student credit cards themselves that are good are bad — it is who is using them and how they are being used that make the difference.

Highlighting Allen University

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Allen University, located in Columbia, South Carolina, is a small historically black institution. It was founded in 1870 by former slaves as Payne Institution in Cokesbury, South Carolina. The school had the dual mission of providing educational opportunities for African Americans and training clergy for the African Methodist Episcopal (AME) Church. In 1880 the school moved to a more central location in Columbia and was renamed Allen University in honor of the Reverend Richard Allen, founder and first bishop of the AME Church.

The university is a private, Christian liberal arts institution. Allen University is coeducational, with an enrollment of less than 900 students. The institution has a rather unusual history. Initially the school educated students of all age levels. Young students entered in its grammar school, continued their studies through high school, and then pursued a college degree. The grammar school was discontinued in the 1920s, and the last high school class graduated in 1933. Since that time Allen University has enrolled only college students.

Students at Allen University may pursue eight academic majors. There are 21 areas of concentration available to students including business administration, accounting, finance, English, music, social science, human services, mathematics, biology, chemistry, pre-pharmacy, computer science, pre-engineering, and religious studies. The university confers Bachelor of Arts and Bachelor of Science degrees.

Allen University offers on campus housing, and there are numerous opportunities for students to engage in campus life. Two new residence halls opened in 2009. More than 30 organizations are available to students including civic, religious, and social groups. Students may choose from honor societies, fraternities, sororities, leadership organizations, and special interest clubs. Varsity sports offered at Allen University include mens basketball, womens basketball, and womens volleyball. The university is a member of the National Athletic Intercollegiate Association (NAIA). Students may also participate in intramural sports including flag football, basketball, and volleyball.
Allen University has an urban campus, with buildings that comprise the Allen University Historic District. The most recognizable building on campus is the Chappelle Administration Building, a brick structure completed in 1925. It is listed on the National Register of Historic Places. Arnett Hall was built in 1881, and Levi J. Coppin Hall dates to 1906.

The university is located at 1530 Hardin Street in Columbia. Allen University offers guided tours by appointment Monday-Friday from 8am-5pm. The schools location is convenient to many of the points of interest and activities that South Carolinas capital has to offer.

Time Management Courses Its Objectives

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Time management is not a new concept. The truth is people have been practicing time management even in ancient times whether they are aware of it or not but the term has been coined in modern times often to refer to techniques and strategies to help people use their time effectively.

In todays fast-paced world such strategies are necessary for everyone, whether students, stay-at-home moms, employees or business executives. It is no wonder, therefore, that demand for time management courses have grown.

One of the most important objectives of time management courses is to clarify the definition of time management, which creates the notion that people can control time when in fact it is a fixed resource that everyone has in equal amount. People cannot increase time or make it slow down, but they can change how they spend time. In other words, time management courses are about managing ones behavior with regards to time.

Time management courses develop the following skills and values in order for a person to effectively manage ones self planning, organization, priority setting, delegation, discipline and commitment. Time management courses aim to help participants improve their effectiveness at work and gain more control of daily tasks so they become more productive while being able to reduce stress.

By attending time management courses, one will learn how to avoid or reduce time wasters, which are the usual culprits behind poor productivity. They will learn how to handle interruptions and say no to additional work when they already have too much on their hands. Participants will also learn to set and clarify goals and identify their priorities for the day. Time management courses develop a persons decision-making skills in relation to using their time efficiently.

Some of the specific subjects covered in time management courses include daily scheduling, setting top priorities, delegation, organizing files, organizing the workplace, identifying goals, managing communications, managing meetings and many others.

Time management courses are ideal for anybody who needs to become skilled at or knowledgeable about the principles and techniques of effective time and self management. These people typically belong to senior management positions and administrative staff. However, anyone who wants to deal with the following challenges will benefit from time management courses:

– People who lack control in their daily life
– People who want to become more productive
– People with several responsibilities
– People who would like more time for their personal life

As you can see, practically anyone will find time management courses useful. They are highly recommended to offices and businesses. Depending on your needs, you can find time management courses that are open to anyone while there are those tailored to the needs of a specific organization.

Student Loans Consolidation – Easy Debts Payments

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Are you a student looking for ways to bring your educational student debts under control, the best way is to go for student consolidation loans? Using this way is the best and easier way that a student that has huge student debt can quickly ease out and enjoy is future.

Student debt consolidation is not rocket science. It is the only practical and convenience way to all student debt consolidation stress like payments delay, fund mismanaged, payments default and others.

Student consolidation will surely help one to start taking debt control and be relief.

LOANS REPAYMENT

Student loan consolidation has its own benefit that is favorable to all students. The first benefit is that your interest rate reduces to half after the debt consolidation.

This happen as a result of the average weighted interest rate. As a student you take loans when you are still in school and you never notice the interest charges n the money loaned.

His also happen with those that have credit card loans.

The interest on the loan keeps on piling on the principal and become a big stress by the time you are on your own.

After Student consolidation of loans, the amount will average the interest rate which is now calculated after all interest rates.

The interest is divided and the fixed installments will be decided, this amount must be paid every month.

You will make a huge saving on your earlier payments and also will pay less in all terms.

Another benefit of students loans consolidation, your installment monthly payments will become less.

Paying your installment in a wrong way will surely make you start living like a pauper, begging before you can afford to eat. You must try and revisit and revise your loan budget every time until you finish paying. After your student loan is consolidated, your principal amount will be spread over a period of 20 to 30, which will tend to reduce your monthly installment.

The debt consolidation company is mandated to bring your monthly installment within your reach; this will make you easily pay off your monthly installment every month.

Every student still under student loan debt always dream of qualifying for the student federal loan consolidation. The student federal loan consolidation has a huge advantage over any other student loans consolidation. When a student qualify for the federal loan consolidation, he or she gets to benefit from prepayments without penalties, repayment plans will be flexible, no credit checks, duration of loan will be longer, no charge fee and a student need not send proof of any income before loan can be approved.

Student loans consolidation gives quick relief from loans accumulated during study.

Always try to first get student federal loan consolidation if possible due to its many advantages.

In any case, student debt consolidation is beneficial for all students under any form of student loans debt consolidation.

Disorganized College Students Put Tuition At Risk

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Next to buying a home, college tuition is the largest expense most families will face. But your investment in college tuition could be at risk. Despite four years of hard work in high school and success in gaining admission to college, your child may be underperforming. And it might have nothing to do with academic skills.

In a recent national survey conducted by research firm Greenfield Online, 47 percent of college students said their high school did not prepare them with the organizational skills required to do well in college. What’s more, 87 percent of students say better time management and organization skills would help them get better grades.

Ironically, for a generation of students raised on computer technology, the survey also found almost half of college students still manage their tasks and schedules by hand writing on a personal calendar. Another 23 percent rely on memory to keep track of their many deadlines and assignments.

“Getting into college is only half the battle. Doing well in college prep courses in high school is not enough,” said David T. Conley, Ph.D., professor of education at the University of Oregon, and author of “College Knowledge: What It Really Takes for Students to Succeed and What We Can Do to Get Them Ready.” “Students need both academic skills and organizational skills to manage the many competing interests that college life offers.”

Every year college students, especially freshmen, face the distraction of greater freedom and the challenge of more course work. As students become increasingly time challenged, their organizational skills are susceptible to compromise.

Fortunately, the ability to organize your college course demands and manage your time can be quickly gained. In fact, you can use technology to actually do the organizing for you.

The software was developed by the makers of the popular FileMaker Pro database software, which is already used in top U.S. colleges including MIT, Stanford University, Syracuse University, Rutgers University, Wheaton College and UCLA.

“High-tech” generation still using paper and pen could jeopardize good grades and tuition investment.

Medical School Admissions Process Decoded

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Getting into medical school is exceedingly challenging. Well over forty thousand prospective applicants enter into the application cycle each year with less than fifty percent obtaining admission. Success calls for a lot more than scholastic and extracurricular expertise and experience. It takes finding out the actual requirements of the various admissions committees, having good recommendations, and authoring impressive essays which get their attention.

Although the specific application system doesn’t open up until June of the calendar year before matriculation, the actual medical school admissions process actually starts the very day you enter college or university. It does not matter if you are applying during your junior year of college or even a few years subsequent to graduating, the committees will start by evaluating your scholastic and extracurricular experience starting as far back as freshman year! Normally, high school situations don’t seem to be applicable except when there are extraordinary circumstances. This is particularly the case if you can show experience in the medical field during your high school years. If this is the case, then you would address it in your personal statement.

You should commence with the main application form the January prior to when you plan your matriculation. Yes, this is in fact 21 months before you actually start medical school! Plan to spend January to April scheduling, planning, and taking the Medical College Admissions Test, securing recommendations, and requesting transcripts from all schools which you have taken courses (you must include all grades for all courses). May and June are all about writing the actual American Medical College Application Service application, which is the primary application. The AMCAS includes a work/activities segment as well as the notorious personal statement. As soon as you’ve completed the AMCAS application form, July to September is devoted to secondary applications (otherwise called secondaries). Secondary applications are a grueling aspect of the admissions process wherein individual schools send their own application asking for between zero to ten supplemental essays on subjects covering anything from diversity towards the greatest error in judgement you’ve ever made (yes, that’s an actual question). Medical school admissions interviews take place from October through January. February is a time of limbo during which not much happens. While various medical school admission’s committees (particularly those which have a rolling admissions), will inform you regarding your acceptance, wait list, or rejection standing prior to the spring, you typically won’t hear something until about March or April. By May fifteenth, every applicant who has been given an acceptance offer from two or more schools will have to decide on specifically where he or she wishes to attend and withdraw applications from all other schools. The admissions process basically ends on the first day of school when you put on that white lab coat and officially become a Doctor.