May 20

How To Consolidate Student Loans – Federal Versus Private Loan Consolidation

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Student loan consolidation can be used by student or parent borrowers to combine their multiple education loans into one loan with one monthly payment. As any student can take either federal or private student loans, he or she can also take a federal or private consolidation loan to make the education debt more manageable.

Both federal and private student loans offer significant benefits, but federal loans offer borrowers many benefits that don’t come with private loans; for instance: low fixed interest rates, income-based repayment plans, loan forgiveness and deferment options. While some private lenders may offer them too, it usually is associated with some strings attached.

For those reasons, every borrower should always exhaust federal student loans options before considering a private loan. The same advice applies to consolidating student loans – always look at federal consolidation loan first and only if you don’t qualify for a federal loan of it is not the right choice for any reason, and then seek a private consolidation loan.

It is important to remember that a federal student consolidation loan can’t include any private loan. Moreover, if you consolidate your federal student loan into a private consolidation loan, you will lose your federal borrower benefits mentioned above (unless you private lender tries hard to get your business and includes them in the offer).

There are important differences between federal and private student loan consolidation.

First of all, with federal student loan consolidation, you will have a fixed interest rate, while private student loan consolidations are credit-based, which means that your consolidation loan rate will not be locked – it will be variable. So, while you will not have to go through credit check in order to apply for a federal consolidation loan, you will need it to secure a private consolidation loan.

Student loan consolidation rates are determined differently for federal and private consolidations. The interest rates for federal loans are set according to a formula established by federal statue. It’s a fixed rate, based on the weighted average of the interest rates on each of your loans at the time you consolidate, rounded up to the nearest 1/8th of a percent and capped at 8.25%.

As private student loans are not funded by the federal government, they are subject to the terms determined by each individual lender (bank, credit union, other financial institution) and the market competition. In private student consolidation loans a borrower’s credit is the primary factor in the variable interest rate offered to the borrower. As the base for setting the consolidation loan interest rate, the private lenders most often use the Prime rate or the 3-month LIBOR Rate, to which they add a margin. That margin varies from lender to lender and is applied according to the borrower’s credit rating.

With regards to the interest rate on the consolidation loan, it’s typical for both federal and private consolidation loan to include 0.25% rate reduction for automated debit payments.

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May 19

Private Schools Help Students Get Better Grades Resulting In Better Leading University Attendance

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Why Parents Choice of Private Schools Has Changed Lives.

The education and preparation provided by private schools are unparalleled. Statistics show that pupils who attend private schools are four times more likely to achieve high honors when they enroll into high school than their public school counterparts. Students graduating from private schools have demonstrated an ability to not only excel in high school, but in college as well.

Further statistics show that students at fee-paying schools made up 43.9 percent of those given places at Oxford University and 41 percent of those at Cambridge. Also, 92.9 percent of pupils leaving independent schools went on to higher education in 2008. This highlights an alarming inadequacy in public education. There must be a proportionate amount of equally bright children at state schools, but they are missing out on the top grades due to an inadequate educational environment.

One private school graduate from Carden Academy explained Carden Academy gave me the ability to balance all of the activities in which I was involved in while maintaining a high GPA (3.7). My deep knowledge of and comfort with the fundamentals of sentence composition and parts of speech served as an indispensable skill while in high school honors and Advanced Placement courses, and in college, writing my larger papers were a breeze.

Because private schools tend to offer a more rigorous curriculum than public schools, students attending private schools are better prepared for the demands of college. Several college admissions have noticed the difference in education and given added weight to attendance at competitive private schools. In order to give your child the best opportunities for academic excellence, private schools have demonstrated their unrivaled ability to help students develop into world-class scholars. By educating your child at a private school, they will gain the knowledge and confidence to succeed not only in academics, but in life.

To learn more about private elementary education for your child and how it can change their life, visit CardenAcademy.com or call (949) 458-1776.

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May 16

Choosing A Spiritual Teacher

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Many people wish to be enlightened or find happiness in life. There are thousands of self-help books, thousands of self-help workshops and even more philosophies and teachings promising to make people happy or enlightened. It is possible to become enlightened and happy by studying all of these resources. It is far easier to become happy and enlightened with a teacher.

A spiritual teacher is a person (living or dead) who guides us through the “mindfields” of life. By passing on truth and wisdom, spiritual teachers can help people see where they are, point out where they are stuck and give guidance on how to live a worthy and value filled life. Teachers can do this by showing us how to be or by showing us how not to be. Everyone that we encounter in life is a teacher on some level. Choosing to study life with a teacher is a meritorious endeavor that can greatly speed our journey to happiness and enlightenment.

Choosing a spiritual teacher can be a challenge. Ideally, a teacher would embody those qualities that we wish for ourselves. While there are no “bad” teachers, there are teachers who have the qualities of honesty, integrity, character, joy and charity that we seek. We should beware teachers who are only seeking material wealth without sharing their abundance with those with greater needs.

It is best to choose a teacher and to focus on that teacher. Spiritual “grazing” will not help us find enlightenment or happiness. Many people go from teacher to teacher seeking spiritual “highs” with each new teacher and avoiding any real progress through application of the teachers teachings. Dig deeply and find water, dive deeply and find pearls. If you find that you no longer resonate with a teacher, simply leave without criticism or animosity.

Your teacher should be a role model for you. Sharing knowledge and information is important, but the most value of a teacher is the example that they set for their students. Teachers who challenge their students oftentimes are surrounded by controversy. Seek the truth and make up your own mind whether a teacher is appropriate. Do not be afraid of controversy, and separate fact from fiction.

Teachers are guides who lead us through the quicksand and treacherous situations in life. They can see further ahead than we can, and have experiences that can help us experience ours. They light our way and shine brightly for us to follow.

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May 14

Promotional Products For World Teachers Day Celebration

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Teachers have become crucial parts of a nations intellectual augmentations. Because of doing the role of teaching and making young minds into more appropriate members of the population, this small group of people must be given acknowledgment. Through celebrating the World Teachers Day affair, you can also make your brand liked while honoring teachers. Advertise your business while you celebrate world teachers day through capitalizing promotional products.

There are various advantages when it comes to advertising a brand with promotional products. On top of the list is the widest chain of options that this merchandise will bring to your business. This assortment of options will surely bring you enough elbow room for selecting what you think would be best for your business marketing needs.

Another ascendancy that personalized products have is that they can be conveniently produced. In a matter of days, you can have your chosen customized merchandise brought to your address. Most online suppliers promise this, and there are those that even suggest freebie artwork enhancement. With the right choice of supplier, you can positively expose your brand and make it popular to the market hassle-free.

Also, custom printed products are broadly cheap and does not need a big allowance for its production. With any budget size, you can assuredly have a very competent item that will represent your brand in the market. What you need to do now is to make a survey online of available suppliers and come across the deal that would be best for your company and budget.

In capitalizing on promotional materials in advertising your brand while celebrating world teachers day, it is important that you elect items which are somehow related with the event. This way, your clients will surely appreciate your product, which will leave a positive impact on them. Apart from that, I would suggest that you should take a crack at buying promotional items in bulk, because doing this will definitely chop the costs that you have to pay in the end.

Go online and find the supplier that can equip you the exact promotional products for the World Teachers Day celebration. Make an imprint of your beautiful business name or logo and catch the attention of your customers. Celebrate the affair and make your business liked by the market!

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May 9

National Student Loan Data System (NSLDS)

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National Student Loan Data System (NSLDS) is the central database of U.S. Department of Education for student aid. It stores and manages data from schools, agencies that guaranty loans, the Direct Loan program, and other U.S. Department of Education programs. NSLDS provides a centralized, integrated report of Title IV loans and grants that are tracked through their entire cycle; from aid start to end.

NSLDS web application is available 24 hours a day, 7 days a week for the student. but, safeguarding of the NSLDS database can occur on the weekends or late hours that’s may cause the application to be unavailable for a short period while maintenance work is performed. NSLDS Student Access web site use SSN, PIN, and personal information to secure student information.

Student get various customize report from the web application. The application displays information on loan and/or grant amounts, outstanding balances, loan statuses, and disbursements In order to use the NSLDS Student Access application, you will need to provide some security answer like -Social Security number (SSN), the first two letters of your last name, your date of birth, and your PIN.

The PIN is one type personal identifier like a banks PIN and that’s why it should be kept secure and private. It gives student the authority to access the NSLDS Student Access web site, as well as other U.S. Department of Education web sites. Student can request a PIN at the PIN web site. You can re apply for a PIN or a new PIN at the PIN web site. Yes. It is highly recommended that you request to change your PIN, if you think it is not secure or has been compromised.

The loans and grants listed on this web site have been reported from different sources. In general, the agency that authorized the aid award is responsible for reporting aid information to NSLDS. Stafford loans are reported by guaranty agencies, Direct loans are reported by the Direct Loan Servicing Center, Perkins loans are reported by schools (or their agent), and grants are reported by the U.S. Department of Education’s Common Origination and Disbursement System.

Grant information is reported to NSLDS daily. New loans are reported to NSLDS within 30 days of receipt of funds.

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May 3

Students and Tax Deductions Information

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You need a break! Students are popularly split. You have to search for versatile career to go to university fulltime. This usually means a pay cut. When you lastly graduate student and get a good spending job, most of that earnings has to go towards spending off your undergraduate education loans. So is there a crack out there? Here are some things you can do to take the fill off. Get the cash back: School resources are costly. The IRS gives you a crack and actually allows you to subtract the following: -Tuition Fees -Book Costs -The price of university supplies -Laboratory fees -Cost of correspondences courses -The price for official training and research -Transportation and journey expenses to be present at certified academic actions. -Interest on undergraduate education loans There are limits: The highest possible insurance deductible attention on an education loan is usually $2,500. However, this can differ. If you are processing as wedded processing independently, or you are stated as a reliant, there is no reduction. Work Courses: A lot of tasks will require you take additional sessions to enhance performance. In some situations you can subtract the price of the sessions. The reduction will be topic to analysis, however. So create sure you can confirm you really required the category for perform relevant requirements. Work it: The IRS doesn’t want you to know you be eligible for these reductions. These days the IRS is trying to generate earnings, not help people reduce expenses. But keep these details in mind for when tax season comes around. You could preserve 100’s of dollars. Now You Have the Cigarette smoking Gun…Use it! Richard Close was an IRS-Hetman. He proved helpful as an earnings official for the IRS and his dad was the head of the selections division for 30 years; so it operates in the family. He remaining that behind and now he’s joined with Tax Protection System to help a large number of People in America with their tax problems. If you want to know more about Tax Refund Calculator 2013 and State Tax Calculator 2012

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April 29

Relief for PhD level students after top editing consultant dissertationeditingservicesorg slashed 3

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London UK 12th July 2013 – PhD level students have seen a major relief after one of the top and highly skilled dissertation editing firm dissertationeditingservices.org slashed 30% off its current service fees. According to an official report released by dissertationeditingservices.org, clients looking for some of the best dissertation editors in the market with years of experiences can land at the company and make orders for 30% less. The move by dissertationeditingservices.org is surely a huge statement of intent from a provider who has remained vocal on the need to increase the affordability levels in professional paper editing services. With the track record and professional capacity held by dissertationeditingservices.org in editing services well documented, there is no doubt many PhD level students will be looking at the price off as a very good opportunity to make their papers as professional as possible without having to spend much. One of the elite and highly sought after dissertation editing services provider in the market dissertationeditingservices.org has confirmed that indeed it has slashed 30% off its current service charges. The firm which has been rated as one of the most professional editing consultant in the market has said that the move to offer the huge discount has been inspired by the need to open up access to services through affordable costs. The news of the price off will come as a huge relief for many PhD level students who have been grappling with high cost of service in accessing professional editing for their research papers. Dissertationeditingservices.org has said that the discount takes effect immediately and for many clients, this is the best opportunity to explore the dissertation editing service of a world class provider at very easy and reasonable prices. The consistency that dissertationeditingservices.org has shown in maintaining quality services has caught the attention of many people. The firm has reported a progressive and significant expansion of its customer base in the better part of the last 3 years yet even so, many experts and observers in the industry have noted that the new price off will go a long way in making dissertationeditingservices.org one of the most competitive editing firms in the market. Cost barriers have remained a biting concern for many firms editing dissertations. The idea to cut down on the service fees has been seen as ideal towards increased accessibility levels to as many students as possible. Whilst huge progress towards that goal has been made over the years, the reality is the current 30% price off by dissertationeditingservices.org will go a long way in setting the pace for other sector layers to follow in the next few years. Dissertationeditingservices.org has made it clear that this is simply the first measure it is taking in cutting down its prices and in fact, the firm has assured its customers that it will be working day and night to find new ways to increase the affordability of its dissertation editing. Please visit its website today for details.

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April 29

Information On Consolidation Of Student Loans

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Paying for college can be a genuine hassle especially when you graduated from the school nearly a decade ago. Many graduates think that the six months they have before the required scheduled repayment of their various college debts is always an eternity. The six months is nothing as compared to the years of payments ahead of you, so many people opt in to consolidate student loans. A consolidation of student loans can make the monthly less painful.

I used to have three separate student loan bills. Two were for my undergraduate studies (which I have decided I actually could hardly afford) and one was for graduate school (which I definitely could not afford). Paying all three bills in a timely manner was a real headache for me.

A part of the issue lies in the basic fact that I have trouble remembering to complete tasks that I really do not want to complete. There has to be some kind of subconscious factor going on here that I haven’t come to terms with as of yet. The best solution for me was to find out the best way to consolidate student loans.

The process of selecting a lender that will accommodate your needs is no problem at all. In fact, many of these lenders come to you. A consolidation of student debts has helped me keep track of my account much easier and it afforded me a few extra dollars every month. Actually, I save about 150 bucks each month through the debt consolidation.

This extra cash is terrific but I also like to put a little more on the principal every month. This is a great way to knock down the principal swifter and avoid paying too much interest. I find that the smaller monthly payments I got through consolidate student loans helps me make an additional payment here and there. This makes a lot of difference.

Another benefit of picking a consolidation of student loans is the interest rate itself. Even though you are refinancing the financial debt you will still get a really good rate of interest regardless of what your credit rating is like. This is a significant advantage for anyone who would like a consolidation of student loans without the fear of hiking rates of interest.

I chose to take this route nearly two years ago and I definitely made the proper decision. I have smaller payments as well as the promise of paying off the whole debt in less time than I thought I would. The consolidation of student loans is an excellent way to gain control of this monster of a debt.

Learn more about how you can can consolidate student loans effectively and without spending a ton of money out of pocket by visiting us at

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April 25

Waterloo Students Rentals Questions Landlords Can And Cannot Ask

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Most students are unclear as to the information landlords can request from students during the housing application process. As a result, many students are taken advantage of and their applications for Waterloo student rentals are judged based on information they did not have to provide. Student focused property management companies are an effective option to avoid this situation. They always act professionally and never ask inappropriate questions. They are solely interested in finding each and every student off campus housing that meets their specific requirements.

However, if you have decided to attempt to find Waterloo student rentals on your own, the following is a list of questions that landlords can and cannot ask when you apply for student housing:

Questions landlords can ask

Landlords have the right to ask students for the following information during the screening process:

Questions about your current income and place of work

The number tenants that will be occupying the property. They can also request their names and contact information.

For references from past landlords. They can also ask for other references and their contact information.

For permission to conduct a credit check

If you have pets or are a smoker

Any other questions that will help them effectively assess you as a potential tenant. However, questions cannot infringe upon your rights as identified by law.

In terms of fees, landlords can request:

oFirst and last months rent

oKey deposits

What Landlords cannot ask

Landlords do not have the right to ask potential student tenants about the following information when applying for Waterloo student rentals:

For your social insurance number

For a deposit to cover any damage that may occur

Personal questions related to:

o Your status (i.e. married, single, etc.)
oIf you plan to have children
oYour age
oYour ethnic background or religion
oYour sexual preference
oYour legal status in the country

Any other questions that infringe on your rights as an individual.

If you believe your landlord is violating the law or infringing on your rights you have options. You can refer to the Ontario Residential Tenancy Act to determine if your rights as a tenant are indeed being violated. Another option is to contact the off campus housing unit at your school. They will be able to help you with any issues you have with your landlord. If any situation with your landlord does not sit well with you, dont be silent and allow yourself to be taken advantage of.

To avoid these potential issues, students attending school in the Waterloo area are now enlisting the services of student focused property management companies. Not only will students avoid having to deal one on one with landlords, using a professional company ensures students find suitable Waterloo student rentals. Student focused property management companies never ask inappropriate questions, understand the needs and requirements of student living, and have built their business around ensuring students find the best off campus housing option for their situation.

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April 11

Teacher Grant Program Now Accepting Applications

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The Pet Care Trust’s Pets in the Classroom program is now accepting grant applications for the 2013-2014 school year. Pre-Kindergarten through 8th grade teachers in both private and public schools who desire to introduce a pet into the classroom or already have a pet in the classroom are welcome to apply.

Many school teachers have very limited resources for the support of classroom animals, which is why the Pet Care Trust believes in supporting teachers with this educational grants program. Through the Pets in the Classroom program, teachers can obtain a grant for the purchase of new pets, pet environments or pet food and supplies for existing classroom pets. Teachers can apply for a direct, no-hassle grant through the Pets in the Classroom website (www.petsintheclassroom.org). The program offers 7 different types of grants, giving each teacher the opportunity to choose which grant is right for him or her. Grant options include:

Rebate Grant in the amounts of $100 (for small animal or birds) or $150 (for reptiles or fish) for purchases at any pet store;
Sustaining Grant in the amount of $50 to maintain an existing classroom pet;
Petco Grant, which provides coupons for the live animal, pet habitat and supplies purchased at Petco;
Petsmart Grant, which provides coupons for the live animal, pet habitat and supplies purchased at Petsmart; and
Pet Supermarket Grant, which provides coupons for live animal and pet supplies purchased at Pet Supermarket.

New for 2013-14:

Pet Supplies Plus Grant, which provides coupons for live animal and supplies purchased at Pet Supplies Plus Stores, and
Petland Discounts Grant, which provides coupons for live animal and supplies purchased at Petland Discounts Stores.

The grant program began in 2010 and has awarded 22,793 grants to teachers through the 2012-2013 school year. With a goal of introducing 5 million children in 100,000 classrooms to pets and the benefits they provide, the Trust hopes that the 2013-2014 school year will see a large number of grant applicants.

Steven T. King, Executive Director of the Pet Care Trust, commented, “The newly redesigned Pets in the Classroom website makes it easier than ever for teachers to apply for a grant and to find the resources they may need to select the right pet for their classroom.”

The Pets in the Classroom grant program benefits students by teaching them responsible, long-term pet care at an early age and providing the psychological and developmental benefits associated with the human-animal bond. Studies have shown that caring for pets has a positive effect on children, improving school attendance and teaching children responsibility, as well as encouraging nurturing and building self esteem.

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