May 25

New Regulations Could Tie Student Loans to Post-Graduation Employment

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The U.S. Department of Education is considering a new regulation that would tie a schools ability to offer federal grants and college loans to proof that its alumni can find gainful employment after graduation.

Colleges and universities that cannot demonstrate that their graduates are “gainfully” employable — earning enough after graduation to be able to make the monthly payments on their student loans — would be barred from offering federal financial aid.

Although the proposed regulation — the so-called “gainful employment rule” — would apply to all schools that offer federal financial aid, the rule is aimed specifically at curbing complaints about for-profit colleges that provide occupational education and job training at such high costs that their graduates are often left in financial sinkholes, overburdened with student loan debt and holding degrees that may not translate into anything but minimal-paying jobs.

The Department of Education had planned to release the revised draft wording on the gainful employment rule in November, but wanted to spend additional time reviewing the more than 90,000 public comments made when the rule was first proposed in July. The government hopes to implement the rule by July 1, 2012.

>> Regulators: Gainful Employment = Ability to Repay Student Loans

As outlined by the Education Department in the initial draft of the rule, “gainful employment” will be measured in part by the percentage of a schools graduates whose student loans are in default.

The Education Department already currently considers student loan default rates as a condition for allowing institutions to offer federal financial aid, but the new rule would allow the government to evaluate schools program by program, using student loan default rates specific to each degree program offered, rather than the schools overall default rate.

Some critics of the proposed regulation question the merits of using student loan defaults as a measure of gainful employment, as opposed to measuring employment more directly through other means. These critics point out that borrowers may default on their student loans for reasons other than unemployment or low earnings, and some schools worry that theyll be held liable for defaults that are unrelated to employment.

Consumer watchdogs and student advocacy groups, however, maintain that for-profit colleges encourage students to take on more student loan debt than they can reasonably afford, in order to pay the high price tag that for-profit schools slap onto degree programs with limited or low-paying employment prospects.

Further, these groups says for-profit schools may be enrolling students who are not academically qualified for the programs they enter, creating a higher likelihood that those students will drop out of their program, which in turn means a higher likelihood that those student will default on their student loans. (College dropouts, in general, default on their student loans at a higher rate than do those students who complete their degree.)

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May 25

HP0-D13 Study guide

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May 24

Middle School Students Find Creative Financing Solution

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In this economy, it is not always easy for middle school students to find a way to pay for their annual field trip. Most middle school students try to finance their educational outings with bake sales and magazine subscriptions, supplemented by donations from the parent-teacher organization and a healthy contribution from parents. Students and faculty at Port Charlotte Middle School, though, decided they needed to find another way. They began holding an annual garage sale every January – though to be accurate, it is really a cafeteria and multipurpose room sale.

This year’s garage sale was held on Saturday, January 30, from 8 a.m. to 1 p.m. at the middle school, and between 300 and 400 people attended. The sale garnered $2500 for the 7th grade field trip, according to geography teacher Barbara Davis.

This year, the annual 7th grade field trip will be to Epcot Center. Any leftover funds will be used to help pay for other 7th grade activities.

“Many students can’t afford a class trip to Epcot Center,” says Roby Love, one of the garage sale’s biggest supporters. Love is the site manager for the Harborview Road Extra Space facility. Extra Space donates to the garage sale every year, donating a large self-storage unit to hold all the donations.

“We could not do it without Extra Space Storage,” said Davis. “The local staff is extremely helpful – they go out of their way to help.”

Extra Space also collects donations from its tenants at its monthly auction/lien sale (at a lien sale, people buy the contents of abandoned units sight unseen, and sometimes end up with items that they do not want or need). Last year, Love says, Extra Space filled the donated unit with donations and then had to donate another unit to hold the rest. This year, the unit filled up in two weeks, she says, laughing, “and the school asked that we not collect any more!” Last year, the school raised about $3000 from the Extra Space donations.

Holly covers the storage industry and has recently been examining self storage in Port Charlotte.

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May 23

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!

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May 22

Black Belt Martial Arts Students Learn Capoeira, Brazilian Dance Fighting, from Visiting Instructor

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Black Belt students at Personal Mastery Martial Arts in Sandy, Utah had a very unique experience this weekend when Master Will Mallmann visited their martial arts school and introduced them to Capoeira, a martial art that is often referred to as -Brazilian Dance Fighting.- Although students at Personal Mastery Martial Arts have a lot of experience in Taekwondo, Hapkido, and other martial arts forms, for most of the students this was their first time learning about or seeing Capoeira demonstrated.

Master Will Mallmann taught a seminar for the black belt students where he not only demonstrated Capoeira, but also taught some of the basic movements and tricks. Participants in the seminar learned many things from the basic movement of the ginga, one of the most fundamental movements of Capoeira, to handstands and headstand cartwheels.

Capoeira is a martial arts form that combines dancing, acrobatics, and martial arts techniques. Unlike many other martial arts, in Capoeira music is an essential element. When Capoeira is performed it is always performed to music and those watching help to keep the tempo by clapping in time with the music. The Capoeira performer matches their performance to the tempo of the music.

For many of the participants at the Capoeira seminar, the performance at the end was their favorite part. All of the students stood in a circle and took turns going in and demonstrating their new-found Capoeira skills in time with the music. Everyone clapped and helped the performer stay with the tempo of the music, often calling out encouragement. The game quickly turned competitive.

One participant, Kim McGowan-Jackson said, -The Capoeira seminar was so fun tonight! Thank you to Master Will Mallmann who has beyond awesome skills. Everyone did such a fantastic job. I think this is the beginning of a super fun Martial Arts weekend. I got to be a Brazilian fighter tonight!-

Personal Mastery Martial Arts often invites visiting instructors to the school to teach their students about different kinds of martial arts and self defense systems. So while Master Will Mallmann was the not the first visiting instructor to visit the school, the students loved having him visit and teach them new things, and they look forward to his next visit.

For more information about martial arts in Sandy check out the website: www.sandymartialarts.com

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May 21

Pupils Tied To Columbia University Narcotics Bust

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pupils were imprisoned Tuesday included in the massive Columbia University narcotic bust. The students stated nothing that morning while they were handcuffed and taken away. The pupils are being charged for marketing narcotics worth thousands of dollars, and they did it straight form dorm rooms and fraternity houses. Possibly if they could find out how to get a payday advance loan they might not have been selling narcotics. Resource for this article – Columbia University drug bust – five students arrested by MoneyBlogNewz.
Those possible associated with the Columbia University drug bust
Paying tuition had been the reason given by student for selling drugs. The Columbia Spectator reports that this was the response from suspects in the Columbia University drug bust. 20 year old Adam Klein, Chris Coles, Jose Perez and Harrison David along with 22 year old previous student council member Michael Wymbs were all charged with selling LSD, Adderall, marijuana, ecstasy and cocaine on school campuses in their dormitories and fraternity houses.
Wymbs had been expected to be released Tuesday night after being the only one prepared to pay the $25,000 bail said a spokesperson for the Narcotics Prosecutor’s Office. The other four were taken away. Rikers Island was where they went. The primary target of the investigation had been really David. An $880 sale of about 20 grams of cocaine had been sold by him in September, as he had been the only one to sell cocaine. The first few purchases by undercover detectives came from David when the other four were in October and Nov. finally introduced to the drug deal game. July had been when the investigation was started. About $11,000 in sales went to undercover officers only since then with the Columbia University drug bust.
These were good students before
In terms of grades and extracurricular, defense lawyers spoke highly of the students associated with the Columbia University drug bust. Michael Wymbs said to a detective that his father wouldn’t pay for his tuition forcing him to sell drugs, although he was the Engineering Student Council’s vice president in 2007 to 2008 for his class. Chris Coles was like Wymbs a bit in that he had a clean record and a 3.5 GPA before the drugs. He said paying tuition had been the reason for selling drugs as well. Jose Perez (aka Stephan Vincenzo) is a prestigious Gates Millenium Scholar who has “limited financial ability,” reports to Bloomberg.
The university site explains that the 2010-11 academic year of tuition is costly. It runs about $41,600.
Info from
Columbia Spectator
columbiaspectator.com/2010/12/07/five-students-arrested-frat-row-drug-bust
Bloomberg
bloomberg.com/news/2010-12-08/columbia-student-sold-drugs-to-pay-tuition-prosecutor-says.html

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May 21

Tytler Demands University Named After Guru Govind Singh

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Tytler Demands University Named after Guru Govind SinghA Congress delegate led by Bihar in-charge Jagdish Tytler on Sunday met with Governor Debananda Konwar and urged him to set up a new university in Bihar named after the 10th Sikh sage Guru Govind Singh.

Besides Tytler, Bihar Pradesh Congress Committee (BPCC) President Anil Kumar Sharma, Ashok Chowdhary, Vijay Singh Yadav, Girish Sanghi, Prof. Dalveer Singh, Gurudayal Singh, Gurjit Singh, and All India Congress Committee secretary Sagar Raika also appealed to the Governor to take initiative to start Guru Govind Singh University in Bihar.

Tytler said the Governor gave him his word to apprise Chief Minister Nitish Kumar of their demands.
The Congress leader also ruled out removal of Sharma as the BPCC chief saying Sharma had proven himself to be very successful in handling Bihar affairs and the party did not see any reason to replace him with someone else.

As reported, a handful of disgruntled Congress leaders had earlier written to Congress President Sonia Gandhi to sack Sharma on charges of failure to revive the party in the state and failing to promote party agenda in Bihar.
“Previous state presidents either joined hands with Lalu Prasad Yadav or Nitish Kumar when they thought Congress was sinking. Sharma, on the other hand, stuck with the party through thick and thin and has proven his mettle as an effective leader in Bihar,” Tytler said.
Akali dal dumb:roll of BJP & RSS in 1984 Sikh riots
Why Akali Dal is dumb on the role of BJP and RSS whereas they holding mass agitations against congress in the name of justice to Sikhs. Why are they protecting BJP and RSS? Looks Akali Dal is another political party trying to get political profits out of the 1984 riot issue. Now the big question is raised, Is Akali Dal fighting for Sikhs or fighting for it’s own political interests? The role of BJP & RSS is very clear in 1984 riots, still Akali Dal is making statements against congress in the name of Sikh justice whereas remains quite about the FIRs against BJP & RSS members during 1984 riots.

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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 20

How To Applay For Scholarships To African American Women

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America is known as the land of immigrants. People from around the globe have traveled across the seas to live on this land of opportunities. It is a diversified country with a rich mix culture from the different races. Among all the different communities in this country the most discriminated race is that of African Americans.
Now the slavery and racism have vanished from the Society but the past oppression have resulted in lower opportunities for African Americans. To give them the opportunities they deserve there are special trusts which give African American Scholarships so they can avail of the necessary financial aid.
They are now entering the reputed professions like Medicine, Engineering, Mathematics, Business but the percentage is still negligible. For them to be noticed in these fields they still need to be in very large numbers. Even though United States made a history by electing their first African American President, there are still many of them who do not have resources even for basic education. To help them there are special African American scholarships.
African American Scholarships are more important than any other minority scholarships because although it may be easy for others to obtain student loans it becomes difficult at times for African American students to obtain loans. This is not because of any racial discrimination but because of the lifestyle most of them are living in.
Many children are victims of their parents ruining their credit. This makes difficult for able, deserving and honest students to obtain loan. The good news is there are many organizations which work for the betterment of the African American population and give them the opportunity to succeed in life. These organizations do have African American Scholarships programs.
The United Negro College Fund helps African Americans to get educated. They give African American scholarships and financial aid by directly giving the funds to the 39 historically black colleges. Their main sponsors are Bill and Melinda Gates Foundation and Bank of America. Then there is The National Association of Negro Business and Professional Women’s clubs which gives scholarships for African American women.
There is one more scholarship institution which gives African American Scholarships to the students who wish to study Science or Technology. It is the Development Fund for Black Students in Science and Technology. Then there are still many more which you can find out through search engines. All what you need to do is study and get a degree!
James Scholaris

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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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