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MBA Rankings- The Best Global MBA Programs in the USA #top # #mba #universities #in #usa


MBA Rankings- The Best Global MBA Programs in the USA

The USA is no wonder regarded as home to the best MBA programs in the world. 51 out of top 100 MBAs globally are located in the USA. The USA was home to the world’s first MBA program at the Harvard Business School. it’s a program which is at the apex of the MBA rankings till date. The Wharton School which was founded in 1881 was also the world’s first business school and till mid of the 20 th century, the US was home to the world’s only business schools.

MBA Rankings play a significant role while selecting a school as one should consider MBA Rankings as well along with other parameters. These rankings use different methods and parameters to judge these B-Schools and then ranked them accordingly.

Read on to know about the MBA Rankings of the B-Schools in the USA as per the US World News Ranking 2016.

MBA Rankings in USA

Harvard UniversityBoston, MA

Stanford UniversityStanford, CA

University of Chicago (Booth)Chicago, IL

University of Pennsylvania (Wharton)Philadelphia, PA

Massachusetts Institute of Technology (Sloan)Cambridge, MA

Northwestern University (Kellogg)Evanston, IL

University of California— Berkeley (Haas)Berkeley, CA

Dartmouth College (Tuck)Hanover, NH

Yale UniversityNew Haven, CT

Columbia UniversityNew York, NY

University of Virginia (Darden)Charlottesville, VA

Duke University (Fuqua)Durham, NC

University of Michigan— Ann Arbor (Ross)Ann Arbor, MI

Cornell University (Johnson)Ithaca, NY

University of California— Los Angeles (Anderson)Los Angeles, CA

University of North Carolina— Chapel Hill (Kenan- Flagler)Chapel Hill, NC

University of Texas— Austin (McCombs)Austin, TX

Carnegie Mellon University (Tepper)Pittsburgh, PA

Emory University (Goizueta)Atlanta, GA

New York University (Stern)New York, NY

Washington University in St. Louis (Olin)St. Louis, MO

Georgetown University (McDonough)Washington, DC

Indiana University (Kelley)Bloomington, IN

Vanderbilt University (Owen)Nashville, TN

Rice University (Jones)

University of Notre Dame (Mendoza)Notre Dame, IN

Ohio State University (Fisher)Columbus, OH

University of Minnesota— Twin Cities (Carlson)Minneapolis, MN

University of Washington (Foster)Seattle, WA

University of Wisconsin— MadisonMadison, WI

Brigham Young University (Marriott)Provo, UT

Texas A M University— College Station (Mays)College Station, TX

University of Southern California (Marshall)Los Angeles, CA

Georgia Institute of Technology (Scheller)Atlanta, GA

Arizona State University (Carey)Tempe, AZ

Michigan State University (Broad)East Lansing, MI

University of Florida (Hough)Gainesville, FL

University of Texas— DallasRichardson, TX

University of Illinois— Urbana- ChampaignChampaign, IL

University of Rochester (Simon)Rochester, NY

Boston University (Questrom)Boston, MA

Pennsylvania State University— University Park (Smeal)University Park, PA

Temple University (Fox)Philadelphia, PA

University of Maryland— College Park (Smith)College Park, MD

University of California— DavisDavis, CA

University of Iowa (Tippie)Iowa City, IA

Purdue University— West Lafayette (Krannert)West Lafayette, IN

Southern Methodist University (Cox)Dallas, TX

University of California— Irvine (Merage)Irvine, CA

Boston College (Carroll)Chestnut Hill, MA

These days MBA is an ‘in’ thing as it helps you to learn and grow as an individual. The classrooms in the MBA B-Schools in the USA are full of students from different cultures and that helps you to learn about the different cultures and work environments. There are many other benefits of pursuing your MBA from the best B-Schools in the USA.

More on

MeetUniversity Editorial Team-Sacheta Aneja.

Spring 2018 application Deadlines for MBA in USA- The United States of America (USA) is

Fall 2018 Deadlines for MBA in USA has been revealed. The Fall Intake admission seekers

MBA Universities in USA- United States of America is a fantastic country for international students

The Supreme country not just in name, USA is the dream home of many. Students

The moment you Google the List of Business Schools in USA, you can find some

Best Business Schools in USA- The United States has always been a preferred destination for the

McMahon Plumbing & Heating #boston #plumber, #boston #heating #contractor, #boston #air #conditioning, #drain #cleaning #boston, #plumbing #repairs #boston, #air #conditioning #repairs #boston, #heating #repairs #boston, #water #heaters #boston, #air #conditioning, #heating, #plumbing #boston, #


Your Reliable Boston Plumbing, Heating, and Drain Cleaning Specialist

Now Offering Emergency Services in the Greater Boston Area

McMahon Plumbing Heating is a family-owned and locally-operated residential plumbing, heating, and drain cleaning company that services Boston and the Greater Boston area. Our goal is to help our clients keep their home as comfortable as possible at all times, so we provide high quality plumbing, heating, and air conditioning services to help you keep your home comfortable and functional at all times. Our experienced experts will provide you with high quality workmanship and professional customer service at every job that we perform.

With our experience and expertise as a long-standing Boston plumber and heating contractor, we can confidently guarantee your complete satisfaction with all of the work that we provide. Whether you need regular maintenance for a heating system, intensive drain cleanings, or an air conditioning tune-up, you can always rely on our professionals. We’re also available 24/7 for any emergency repairs that you may need for any of these systems.

We understand how important these systems are to your Boston area home and to your family, so we always strive to provide you with quality work that you can trust. So next time you’re looking for a plumber, air conditioning or heating contractor in Boston, MA. be sure to give McMahon Plumbing Heating a call.

Emergency Repair Services Ready When You Need Us

When you need repairs for your Boston area home, you don’t always have time to wait for a scheduled appointment; and sometimes, you won’t even be able to wait for regular business hours to resume. Our professionals understand how urgent the need for unexpected heating, air conditioning, and plumbing repairs can be, so we’re available for any emergency service you may need for your plumbing or HVAC systems. We’re available 24/7, and we’re always ready and eager to assist you.

Call us at any time, day or night, and we’ll be looking forward to helping you get your home back into excellent condition.

Simple Lavatory Stoppage

Unclogging a simple, home lavatory stoppage.

1. Depress the pop-up & gently slide the hand snake down the drain to remove hair & contaminants.

2. Use a wet rag to plug the sink overflow.

3. Plunge the drain.

Emergency Water Shut-Off Video

Locating the Emergency water shut-off valve in your home can be challenging. Avoid home plumbing emergencies from becoming home plumbing disasters with this simple “How to video”.

  1. Go to your basement.
  2. Look for your water meter along the street facing basement wall.
  3. Close the valve.
  4. Open any faucet within your home to relieve water pressure.

Drain Cleaning Specialists

Plumbing drains are what connect every part of your plumbing system together, and when you start to see the drains effecting one part of your plumbing, it won’t be long before you see problems cropping up in other parts of your Boston area home. So as soon as you start to notice any problems that are being caused by clogged drains, call our Boston drain cleaning professionals immediately to have them dealt with.

We offer high pressure jetting services, video inspections, and many other drain cleaning services. No matter what parts of your home are being affected by clogged drains, we can tackle the problem at its source and guarantee a fully functioning plumbing system.

Why You Should Choose Us For Your Boston Plumbing Comfort System Needs

Experienced, Established, Reputable, Licensed, Bonded & Insured

McMahon Plumbing Heating has been providing quality plumbing, heating, and air conditioning services to homeowners in Boston and the surrounding areas since 1952, and we’ve built our strong reputation in that time by consistently providing all of our clients with the best workmanship and customer service possible. All of our plumbers are licensed professionals with extensive experience, and they receive ongoing training so that they’re always up-to-date on the latest techniques and procedures.

All of our work comes with a 100% satisfaction guarantee, and we’ll always do whatever it takes to ensure that your plumbing, heating, or air conditioning systems are kept in the best condition possible at all times. When you need a plumber or contractor for heating and air conditioning in Boston, give us a call to see for yourself why locals turn to McMahon Plumbing Heating time and time again for service.

Professional Service By Our Friendly, Knowledgeable Experts

Latest Boston Plumbing & Heating Articles

With the spring months coming to a close and even warmer weather on the way, many of us are starting to finally put our air conditioning systems into heavier use, if we haven t been already. While summertime brings a lot of fun outdoor activities and such along with it, this time of year is going to be particularly rough on your AC. When summer finally comes around, your air conditioning system is going to be expected to run almost constantly, and if it hasn t been serviced at all since it went into hibernation at the end of last year, you could be setting yourself up for potential disaster. Expecting your home s air conditioning system to run all throughout the summer without any kind of maintenance is like expected someone to run a marathon without any kind of training or stretching: likely to end in disaster. This is why it is so important to take the time now before the summer gets into full swing to have your system checked out by a professional. Getting your system tuned up now before it has to go into heavy use over the course of the coming months can be highly beneficial for a number of reasons. If you are still on the fence about it, take the time to read through this short [ ]

Oil to Gas Conversions By Michael DeMattia, General Manager, McMahon Plumbing Heating, LLC. A prudent investment in your family’s future. Changing older oil heating systems and swapping out to hi-efficiency, gas, heating systems has been all the rage for Boston area homeowners looking for a home improvement project with the greatest bang for the buck over the last few years. Homeowners heating with Natural Gas versus Heating with Oil currently still save between 25 to 50%, depending on Heating System efficiency. The cost of Number 2 Home Heating Oil today averages just over $2.00 per gallon which is dramatically lower than where it was just a year or two ago, mitigating what was once dramatic savings. However, oil market expert’s consensus opinion is that crude oil and consequently home heating oil prices will be substantially higher in the next year. Suffice to say, the current respite from excessive oil prices are likely to end by 2017. Indeed, the crude oil price is up from its low of $27.00 per barrel earlier this year to nearly $50 per barrel as I write this article. Additionally, rebates are offered by Mass Save, tax credits by the Federal Government, and low interest heating equipment loans are available to Mass Save participants. The effect of these programs is to ease the financial burden [ ]

If you’re looking for a plumber or heating contractor in Boston, call McMahon Plumbing Heating at 1-800-431-5660 or complete our online request form .

North Atlanta and Roswell Divorce Attorneys – The Sherman Law Group #roswell #divorce #attorney, #roswell #divorce #attorneys, #roswell #divorce #lawyer, #roswell #divorce #lawyers, #contested #divorce, #family #law #attorney, #family #law #lawyer, #divorce #attorneys, #divorce #lawyers



At the Sherman Law Group, we charge a simple low retainer fee of $2495 for contested divorce representation*

saving you thousands in unnecessary fees. Many cases end up costing even less, with our clients receiving a refund of fees upon case resolution.

We are known for being relentless when facing an adversary, and for being caring and helpful when family law clients need it most. At the Sherman Law Group, you have the benefit of working with both divorce attorney Bill Sherman, a former Assistant Attorney General, and divorce attorney Valerie Sherman, a former Child Support Magistrate Judge

rather than relying on the experience and services of a single attorney.

With over 40 years of combined family law experience in the North Atlanta area, we know the courts, judges and opposing attorneys, and how best to represent our clients’ unique cases. If necessary, we can call upon our expert network of resources around the country to assist in valuations of property of all types, finding assets that may be hidden and ensuring that the other party is being truthful.

Work with divorce attorney team Bill and Valerie Sherman

Call us 7 days, even on evenings and weekends

Over 40 years combined experience in contested divorce and family law

“I feel blessed that I had the Sherman Law Group as my attorneys. Valerie Sherman is a fantastic attorney. I would recommend her to any of my friends if they are going through a divorce. She is so smart, knowledgeable and caring. Bill Sherman was great. He made everything so easy for me. If anyone needs an attorney, Valerie Sherman and Bill Sherman are the attorneys for you.”

“I was referred to the Sherman Law Group by a friend and after our initial consultation I knew they were the right choice to handle my divorce. I knew after speaking with Valerie Sherman and Bill Sherman that I needed them. I feel like I owe them my life because they did such a great job. They kept me on track with what needed to be done and helped me with all of the daunting paperwork every step of the way. Their guidance throughout the process was very helpful and they handled the opposing counsel with the right amount of professional “toughness” that represented my best interests. They are the best. ”

“In what has been the most difficult time of my life, Bill Sherman and Valerie Sherman offered me the most sincere and practical advice, and best counsel and representation. Since our first meeting they were both calming and empowering. I was especially reassured by Mrs. Sherman’s sensitivity and expertise when it came to our children. She helped me think clearly when my emotions would take over. Valerie Sherman is a unique combination of amazing strength, skill and true compassion. I have recommended them to many of my friends.”




Initial consult and case analysis

We begin the process by simply listening and understanding your specific situation, values, and top priorities. We handle our clients “one case at a time” with a commitment to detailed, exacting knowledge of your legal and financial situation and goals. You will always be treated with respect and never left in the dark about your case. Communication is vital and your phone calls and email will be responded to promptly.

1. Educate and inform our clients about the law, court procedures and what path should be taken forward.
2. Set the groundwork for and encourage an amicable path forward for a fair settlement.
3. Fight, when necessary, to protect the safety of children or to obtain a fair property settlement or other important result.

We strive to provide a divorce process that is as easy on you as possible. Our goal is to create productive, positive and cost-effective family law divorce solutions. We realize the importance of knowing when to boldly and immediately and effectively confront an unreasonable adversary, and when escalating a conflict

and the financial and emotional costs that go along with it

is unnecessary to gain your objectives.


Divorce Attorney Bill Sherman
Bill Sherman has extensive experience representing clients in all types of divorce matters. He is a former consumer affairs official, Senior Assistant County Attorney, Assistant Attorney General and has clerked for a family court judge, providing many years of experience in negotiation, trials and successful appeal of cases. His law and court experience in family law matters is unmatched in North Fulton, Forsyth and Cherokee Counties. Mr. Sherman is very proud of his reputation as a problem-solver who is always available to his clients. Along with his wife, attorney Valerie Sherman, he is active in the community, supporting many community organizations, sports teams and charities.

Divorce Attorney Valerie Sherman
Valerie Sherman has an extensive background handling divorce and family law matters. She has served as a Child Support Magistrate Judge and Assistant County Attorney, providing vital experience that benefits her clients daily. Practicing law for over two decades, she is known for being strong and wise, as well as caring and compassionate, especially when dealing with childrens’ issues. She has worked on a number of high-profile cases and is proud that so many clients refer her to their family and friends. Valerie Sherman is an enthusiastic supporter of local charities, community, library and arts organizations and sports teams.


Roswell (Main office)

1560 Warsaw Road
Roswell, GA 30076

12600 Deerfield Parkway
Alpharetta, GA 30004

410 Peachtree Parkway
Cumming, GA 30041

*$2495 retainer fee for contested divorce attorney services. Some cases, such as those involving complex custody issues, may be more. Plus court filing fee and expenses.

Attorney advertising. The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. Initial phone conversations or email submissions through this site seeking advice or legal consultation do not establish an attorney-client relationship. The signing of a legal service contract and payment are required before the Sherman Law Group will represent you or provide legal advice. Testimonials are actual law firm clients; photos are not the actual clients and are for representation purposes only.

Site design and content 2015 LQ Group. All rights reserved.

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Accredited OTA Programs #accredited #occupational #therapy #programs


Occupational Therapy Assistant Guide

Accredited Occupational Therapy Assistant Schools

Research and compare every ACOTE accredited Occupational Therapy Assistant School in the United States. Simply click on your state for a list of occupational therapy assistant schools offered in the region and more details as well as program director contact information for every program.

With over 200 Accredited Occupational Therapist Assistant schools across the United States, finding the right one can be daunting. Selecting the right COTA program for your needs will be critical to your success in the program. Although the Accreditation Council for Occupational Therapy Education (ACOTE®) doesn t offer a ranking system of the COTA schools that they accredit, a high quality education is guaranteed by the ACOTE accreditation itself.

Graduating from an accredited OTA program is required in order to sit for the Certified Occupational Therapy Assistant (COTA) Exam put on by the National Board for Certification in Occupational Therapy (NBCOT). Passing this nationwide exam will be necessary in order to obtain your state OTA license for employment.

Basic Occupational Therapy Assistant Courses from any COTA School

Here is a list of the basic OTA courses that all occupational therapist assistant programs will require in their curriculum. Most of these classes are available to take online from a number of accredited online OTA programs .

  • Introduction to Occupational Therapy Course This is an overview to Occupational Therapy. You will learn the history of the profession, OT Ethics, and more about the responsibilities and careers of those working in occupational therapy.
  • Health Care Provider Basics Course You will learn the basics of legally serving as a health care provider such as HIPPA regulations. You will also learn the basic skills and abilities you will need to function as well as medical terminology used in the field of OT.
  • Physical Disabilities Course You will learn about the various types of physical disabilities that you will be required to know to work with patients.
    Therapeutic Activities Course You will be introduced to and learn the various OT techniques that you will use to offer assistance to patients. You will also, in addition to movement methods, learn crafting for creating therapy tools for patients.
  • Kinesiology Course This course teaches students how to assess movement. You will learn physiology and anatomy along with physics and biomechanics. Muscle test, range of motion principles, and more will be taught in this corse to provide a clear understanding of how to apply these concepts to working with patients.

Top 10 COTA Programs in the U.S.

Comparing Occupational Therapy Assistant Schools

As previously mentioned, the ACOTE is the accrediting organization for all Occupational Therapy Assistant schools. It is critical that you attend and graduate from an accredited OTA program as this will be required to sit for the NBCOT s COTA Exam which is required for your state OTA license to gain employment.

The first step you should take towards your education is to research occupational therapy assistant programs in your region. Once you have a list of OTA schools that you are interested in, you can start comparing specific features of each, talking to alumni and faculty, and scheduling campus visits.

Comparison Factors for OTA Schools

Below are a list of things you will want to consider in each school to make sure it will meet your educational needs/goals:

  • Size of campus, student body, and OTA program
  • Passing rates of the college, OTA program, and NBCOT COTA Exam
  • Level of quality of the campus and all resources including faculty
  • Structure of curriculum and program
  • Opportunities for financial aid as well as complete list of expenses
  • Campus setting and location
  • Quality of the faculty (prior experience, cohesiveness, tenure)
  • Extracurricular activities offered
  • Demographics of the student body
  • Distance (Commute from home)
  • Employment rate of graduates
  • Specific admissions criteria
  • Clinical education and training opportunities

Talk to admissions officers, professors, program directors, alumni, current students, and employers to get the best insight into each OTA school that you are considering. Ask faculty which local companies hire their graduates so that you can reach out to speak with employers and alumni who have experience with each OTA program you re looking into.

Now that you know everything about occupational therapy assistant colleges in the U.S. you don t have any excuses about getting your occupational therapy associates degree

Footnote: We keep our database of ACOTE Accredited OTA Schools up to date with the American Occupational Therapy Association (AOTA). When new accreditations are added for schools that offer occupational therapy we will update our data, if you notice a necessary update please let us know.

1) Click on any schools below to learn more about their programs
2) Under Program of Interest choose Occupational Therapy Assistant or another degree of interest

McFarlin LLP #best #los #angeles #foreclosure #defense #lawyers, #top #rated #irvine #bankruptcy #attorneys, #orange #county #litigation #lawyers, #los #angeles #business #litigation #attorneys, #mcfarlin #llp


Top-Rated Litigation Lawyers in Irvine, Orange County

Premier | Affordable | Legal Services

Serving Clients Throughout OC and Los Angeles

McFarlin LLP provides premier affordable legal services to a diverse clientele including small to mid-sized businesses and property owners throughout California. Our attorneys are all highly qualified and respected with specialized knowledge and experience in business litigation and real estate litigation matters. We also have a renowned bankruptcy and foreclosure defense practice, including bankruptcy litigation, which serves individuals, corporations and property owners. McFarlin LLP is widely regarded as the preeminent foreclosure defense and mortgage litigation firm in California, securing results for our clients beyond even their most optimistic expectations in many cases.

Who We Serve

We provide reliable, high quality, legal services to clients. Although we are most recognized for representing small to mid-sized businesses, we also represent individual property owners and consumers as well as other types of entities, such as trusts and partnerships. Communication and honesty are some of our firm s most important values, which clients notice from our very first conversation. We make sure to carefully consider our clients needs and formulate an appropriate and cost-effective legal strategy to reflect their goals. We also work hard to keep clients informed and updated on their matter every step of the way.

Your Business Matter is Important to Us

Our business litigation practice encompasses many different industries and types of business litigation matters. We start by developing a deep understanding of your business and your specific litigation objective, discuss an appropriate budget that will not significantly impact business operations, and use our skill and experience to achieve the most effective and efficient result. As one of the most highly regarded litigators in California, we excel in negotiations, mediations and other types of dispute resolution, which can save clients significant resources compared to litigating a matter to trial.

Although most clients come to us because they ve heard or read about our impressive results and track record, it is important to note every case is different and unique and our past success should not be considered a guarantee or prediction of result. However, we do apply the same diligent and systematic approach to all our litigation matters.

Acclaimed Real Estate Law and Foreclosure Defense Practice

Our acclaimed real estate and foreclosure practice has received national recognition in both specialized real estate industry publications and mainstream national news (USA Today. among others). We represent a wide variety of clients in real estate litigation matters. including property owners, buyers and sellers, contractors, investors, brokers, borrowers, and trusts. We have both a robust real estate litigation practice as well as a real estate transactional department, including two real estate brokers on staff. The experience of having litigated so many real estate matters gives us a unique perspective on real estate contracts and negotiations, which typically results in our client having a staggering advantage in any negotiation or challenge they may be facing. Very few law firms in California have successfully litigated as many real estate matters as McFarlin LLP. Our firm has been so successful because we approach each case with the utmost care and methodical diligence.

Bankruptcy Filings and Bankruptcy Litigation

The attorneys at McFarlin LLP have represented thousands of bankruptcy clients (both businesses and individuals) in filings or litigation over our many years of practice. Our attorneys have received national acclaim and recognition in industry publications, such as SuperLawyers as well as mainstream outlets such as MSN. USA Today. US News. Good Housekeeping. and many others. We handle all types of bankruptcy filings. including Chapter 7, Chapter 13, and Chapter 11 for businesses and consumers alike. Our niche has become taking on complex, unpredictable matters that other attorneys usually don t want to handle because there are too many variables. These are the challenging cases we love. We use our bankruptcy experience and litigation background to secure our clients the absolute best possible results, while providing frequent updates and a high level of service. No client scenario surprises us; we ve seen it all before.

Other Areas of Practice

Once you are a client at McFarlin LLP, we work hard to serve all your legal needs even beyond business litigation and real estate, including corporate and transactional work, asset protection, estate planning and probate, select personal injury, and employment law matters.

Contact Us Today

At McFarlin LLP, we understand that every client has a unique situation that requires an individualized approach. Our premier affordable legal services give clients the personal attention they need to not only feel comfortable and informed but also get the best possible results. High quality legal services are affordable at McFarlin LLP. Contact us today to learn more about our services and how we can assist you at (888) 728-0044.

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The experienced lawyers of McFarlin LLP have expertise in a variety of fields. So no matter what your legal needs are, we are here to assist you. We offer free legal consultations to prospective clients, so contact one of our knowledgeable attorneys today (888) 728 0044 .

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Car Payment Calculator from Nationwide #emergency #loan

#auto loan payment calculator

Figure Out Your Monthly Car Payment or Purchase Price With Our Auto Payment Calculator

Now that you’ve estimated your pay off schedule using our auto loan payment calculator, learn about the different auto loan options from Nationwide Bank ®. It doesn’t matter if you’re buying your first car or your tenth, Nationwide Bank has the auto loan financing information to make the choice that’s right for your situation.

Also, remember to protect yourself and your auto with comprehensive car insurance coverage .

Rebates and cash down – Total amount of cash and/or factory rebates used in the purchase. The larger the down payment, the smaller the loan required to finance.

Trade allowance – The total amount you are given for any vehicle that you may trade as part of the purchase.

Amount owed on trade – Total outstanding loan for your current vehicle.

Non-taxable fees (optional) – These are additional fees that are not subject to sales tax.

Taxable fees (optional) – Additional fees that are subject to sales tax.

No sales tax deduction for trade-in – Check this box if you live in a state where sales tax is calculated on the full purchase price.

Insurance products offered through Nationwide Insurance are NOT insured by the FDIC or any federal government agency, nor are they guaranteed by, deposits of or obligations of Nationwide Bank.

Calculators are provided to help you determine how a loan, line of credit or a deposit product may affect your budget. The results offered are estimates and do not guarantee available loan terms, cost savings, tax benefits, etc. Nationwide Bank does not offer a guarantee of the calculator results.

The trouble with refinancing a student loan #consolidating #loans

#student loan refinance

The trouble with refinancing a student loan

It doesn’t seem fair, right? The U.S. Treasury gets to borrow money at about 2 percent interest these days. That’s latest yield on the 10-year Treasury note. When the government turns around and loans that money to college students, most of them are paying well over 6 percent interest. Meanwhile, the average fixed rate on a 30-year mortgage these days is just over 3.5 percent .

To understand why student borrowers pay so much more, I started with my go-to guy for all things financial aid, Mark Kantrowitz of He says there are two big reasons federal student loans cost more than, say, a mortgage or car loan. Nobody checks your credit. And there’s no collateral.

“If you default on a federal education loan, they can’t repossess your education,” he says.

Other kinds of unsecured debt — like credit cards — usually cost much more, he says. “For someone with a typical credit pattern of a college graduate, we’re talking a 10, 11 percentage interest rate — maybe even as high as 14 percent.”

Even at comparatively low rates, more people are defaulting on their education loans. And unlike other types of debt, you can’t escape student loans by filing for bankruptcy.

One youth advocacy group is pitching an idea to make it easier to pay them off — a federal loan refinancing program .

“If you refinance loans down to 5 percent — so just the loans that are above that — that would save people about $14 billion in interest rate payments for this year alone,” says Tobin Van Ostern, deputy director of Campus Progress. It’s part of the liberal Center for American Progress.

“It would be huge,” says Jennifer Belmont Jennings, an attorney in St. Louis. “For us, personally, it would just add a significant level of security to us.”

Belmont Jennings finished law school just as high-paying legal jobs seemed to evaporate. She owes about $170,000 in student loans, and says she could really use a few hundred extra dollars a month.

“Just from a spending standpoint of being able to do things, you know,” she says. “We bought a house several years later than we would have had we had that extra money.”

When they did buy a house, this year, they got a mortgage rate of 3.7 percent.

It is possible to refinance student loans — privately. SoFi makes loans to students and graduates of certain colleges. The loans are funded by alumni of those schools. For a re-fi CEO Mike Cagney says the average borrower comes in with a rate of about 7.2 percent.

“We’re refinancing them into rates between 6 and 6.5,” he says. “And the borrower’s savings have been about $10,000 over the life of the loan.”

But to qualify you have to have gone to one of the 79 schools SoFi works with, like Carnegie Mellon or the University of Michigan. To refinance on a large scale, Cagney says, the federal government would need to step in.

Car loans for bad credit #bad #credit #cash #loans

#car loans for bad credit

Home Bad Credit Car Loans

Bad Credit & Second Chance Car Loans

Perhaps you have had issues in the past that may be noted on your credit file. However, this does not mean that every lender will not give you a second chance. If you can show that you have improved your situation, or have a reasonable explanation for any defaults on your credit file, there may still be options to help you get into a car.

Top 5 benefits of a bad credit car loan

  • 1. Fast approvals
  • 2. Low rates and flexible terms
  • 3. Independent Advice
  • 4. Wide range of lenders and products
  • 5. Fixed repayments make budgeting easy

Bank said NO? Talk to

  • We take time to find out why you have bad credit
  • We will learn how your situation has improved
  • We put your case to our lenders
  • We put your case to our lenders
  • You’re approved!

Perhaps you have had issues in the past that may be noted on your credit file. However, this does not mean that every lender will not give you a second chance.

If you can show that you have improved your situation, or have a reasonable explanation for any defaults on your credit file, there may still be options to help you get into a car.

Car Loans in Ireland – Car Finance #best #auto #loan #rates

#cheap car loan

Car Loans

How to get a cheap car loan in Ireland?

Getting a car loan in Ireland at the moment isn t an easy task.

Where to get a car loan in Ireland?

At the moment in Ireland not a lot of people are buying cars, so it may be possible to get a car loan deal if you look in the right places.

Car loan from the dealer

If you are buying a new car, the first place to look will be to see if the garage/car-dealership offer a car finance deal. This may even include insurance or other added extras.

As always make sure you check the deal throughly and make a note of all the payment details, including the interest rate.

Car loan from the bank

You could try speaking to your existing bank to find out if they offer a car finance/loans scheme.

At time of writing AIB were advertising car loans on their website, as are the Bank of Ireland.

How to get a car loan with bad credit in Ireland?

Getting car finance is never guaranteed, but there are many dealerships that want to make sale and car finance deals at existing banks.

It is always important to speak to a professional before making any financial decisions.

Car Loans: Compare UAE Car Finance from UAE banks #medical #loans

#compare car loans

What key criteria should I consider before taking out a car loan?

  • New or used – For used cars, most banks impose a limit of car model they will finance
  • Minimum salary requirement – UAE banks normally impose a minimum salary required to take out a car loan so select a provider from those whose minimum salary requirement is less or the same as your salary
  • Interest rates – do flat or reducing interest rates apply? See below for details of how these differ
  • Down payment – consider what the minimum down payment is
  • Fees – consider all fees applicable such as arrangement fees and early settlement fees
  • Other benefits – does the bank provide options for a payment holiday

Is a down payment always required when taking out a car loan in the UAE?

Yes although the amount of down payment required will differ according to each bank. Criteria taken into account include:

  • Whether you are buying a new or a used car
  • Whether you are going to transfer your salary to the bank that will provide the car loan
  • Whether you are taking out an Islamic product, in which case, no down payment is required.

How much can I borrow?

Most banks offer finance of 70-80% of the car value. The actual loan amount will depend on your income, the loan period and various other criteria.

Masters Degree in Sport Psychology Online Program – Capella University #fsu #sports #psychology


Sport Psychology Specialization Master of Science in Psychology

Gain an edge in the fast-growing field of sport psychology. Capella University’s online Master’s in Sport Psychology can put you on the path to help individuals, athletes, coaches, parents, and teams enhance or restore performance. Build your ability to address athletic performance, motivation, and recovery by helping athletes and others merge physical performance with mental performance by drawing on knowledge from areas such as kinesiology, biomechanics, and physiology. This program is also available through FlexPath.

The Building Blocks of Your Master’s Program

Our curriculum focuses on teaching how psychology influences sports, athletic performance, exercise, and physical activity. Prepare to work with athletes and coaches to improve motivation and improve performance, or use fitness and sports to enhance people’s general health and well-being. Use your newly attained skills to help guide individuals through the pressures associated with sports, physical therapy, or even business ventures.

FlexPath: A More Direct Path to Your Degree

FlexPath can help you earn your degree on your own schedule, at your own pace — with the potential to save you time and money. FlexPath self-paced learning allows you to move quickly through subjects you’re more familiar with or more slowly as needed. You’ll develop the same mastery — and earn the same degree — as our GuidedPath learning format, only in a more efficient, more personalized way.

With your Master’s in Sport Psychology from Capella, you’ll learn the foundations of psychology and their application to sport psychology, and utilize sport psychology theory and research to customize working models that fit specific populations.

Common jobs with an online program in sport psychology include athletic program manager, coach, sport development manager or sport psychology assistant. Potential workplaces include fitness club, health care, parks and recreation organization or youth sport organization.

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Looking for an affordable financing package for satisfying your financial needs/goals? We can assist you! United Personal Loans specializes in arranging unsecured personal loans for those with GOOD and BAD CREDIT. You can obtain approval for a loan with poor credit even if you have recently encountered bankruptcy, repossession, judgments, foreclosure, liens, and/or divorce! We even assist high risk people with no credit and slow credit get approved for bad credit unsecured loans. You won’t be discriminated because of a bad credit history, or lack of. Submit an application for personal loans.

Common types of online loans we offer:


Unfortunately, there are many scammers out there that are contacting consumers, indicating they are approved, but are asking for monies to be wired via Western Union or via a pre-paid credit card for the intent of insuring your loan. And it is very common for these fraudsters to mis-represent themselves by claiming to be from reputable companies like United Persoanl Loans. Our lenders will never ask for monies upfront! In fact, no legitimate lender will ask for monies upfront.

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Master s Degree in Psychology FAQ #a #masters #in #psychology


Master’s Degree in Psychology FAQ

Updated July 02, 2017

Are you thinking about earning a master s degree in psychology? A master s degree can open up a whole new world of career opportunities, but you should start by exploring some frequently asked questions about the degree in order to determine if it is the right educational choice for you. Learn more about earning a master s degree in psychology. including how long it will take, your career options after graduation, and possible alternative degrees that you might want to consider.

What Is a Master s Degree in Psychology?

A master s degree in psychology is a graduate-level degree that generally involves two to three years of study beyond the undergraduate degree. The two most common types of psychology master s degrees are the Master of Arts (M.A.) and the Master of Science (M.S.). An M.A. degree may indicate a stronger liberal arts focus, while an M.S. may indicate a stronger concentration on research and the sciences. The type of degree offered depends on the school and program, however, since the academic requirements are often very similar.

Some master s programs in psychology offer what is known as a terminal degree. This type of degree is designed to prepare graduates for professional practice in their specialty area. In other cases, a master s degree may serve as preparation for further study at the doctoral level.

Specific course requirements can vary considerably, so take a careful look at the course outline of any program you are considering.

You may also have to choose between a thesis and non-thesis option. Completing a thesis is a good choice if you are interested in further graduate study, while the non-thesis alternative might be ideal if you are more interested entering the workforce immediately after graduation.

What Can You Do With a Master s Degree in Psychology?

While having a master s degree means you ll find more job opportunities than you will at the bachelor s level, job options are still limited if you are interested in entering the field of professional psychology.

A terminal master s program, however, does open the door to entry-level jobs in fields such as mental health. industrial-organizational psychology, and forensic psychology. Other sectors of employment include colleges, universities, private business and government. Learn more about some of the job options with a master s degree in psychology .

How Do You Earn a Master s Degree in Psychology?

If you are interested in pursuing a master s degree in psychology, it pays to start planning early. Take a look at the requirements of a few programs you are considering, and then be sure to schedule all of the pre-requisite courses during your years of undergraduate study. Statistics, experimental methods. and developmental psychology are just a few of the common courses required by psychology graduate programs .

Before you apply to a master s program, you may also be required to take the Graduate Record Examination, or GRE. In addition to taking the main test, you might also need to take the GRE Psychology Subject Test .

Once you ve been admitted to a master s program, make a course schedule that outlines all of the courses you plan to take. Take note of the required courses, and check out your school s class offering schedule.

Some classes are only offered every other semester or every other year, so plan carefully to ensure that you are able to take all the classes you need.

Should You Earn a Master s Degree Before Earning a Doctorate?

One of the biggest questions facing students interested in earning a graduate degree in psychology is whether or not they should earn a master s degree before applying to a doctorate program. Many Ph.D. and Psy.D. programs do not require a master s degree, and students are able to begin these doctoral programs immediately after completing their bachelor s degrees.

If you are unsure if doctoral study is right for you, a master s degree can be a good option.

Spend some time talking to your college advisor and faculty members to determine which option is the best choice based on your educational interests and career goals.

What Type of Master s Degree Should You Earn?

While there are generalist programs available, many students elect to focus on a particular specialty area. Some of the different types of master s programs available include:

  • M.A. or M.S. in Experimental Psychology
  • M.A. or M.S. in Industrial-Organizational Psychology
  • M.A. or M.S. in Forensic Psychology
  • M.A. or M.S. in Clinical Psychology
  • M.A. or M.S. in Social Psychology
  • M.A. or M.S. in Child Development

In addition to traditional master s programs, there are a variety of online master s degree in psychology available. Students should carefully consider all of their options before determining which option is best suited to their needs.

What Are Some Alternatives to a Master s Degree in Psychology?

If you determine that a master s degree in psychology is not the best choice to help you fulfill your academic and career goals, there are a number of related alternative programs to choose from. If you know that you want to work in the field of mental health, there are still plenty of other areas to consider. Counseling, social work. school psychology, education and health sciences are other academic options that might also appeal to you.

Some possible alternative degrees include:

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Masters Communications Degree #corporate #communication #degree, #masters #in #public #affairs, #communications #course, #public #relations #career, #business #communication, #corporate #communication, #public #relations #education, #public #relations #training, #public #relations #courses


Corporate Communication and Public Affairs MSc

1. Overview

Our Corporate Communications and Public Relations degree provides the relevant skills and knowledge required for a career within PR and Public Affairs.

Corporate Communications is an essential function within contemporary business environments. This course has been developed in direct response to employers’ needs through close consultation with leading practitioners and professional bodies. Regular events provide key networking opportunities and students are encouraged to attend visits to media organisations and other local events which take place through the year.

2. What you will study

Teaching is delivered through the University’s online virtual learning environment, CampusMoodle.

Exit Award. PgCert Corporate Communication and Public Affairs

Exit Award. PgDip Corporate Communication and Public Affairs

Award. MSc Corporate Communication and Public Affairs

Dissertation In Semester 2 you must present a written research proposal for submission. This will normally form the basis for the Masters level dissertation. You will work independently, but under supervision, to undertake the research and prepare the dissertation.

Modules and delivery order may change for operational purposes.

The University regularly reviews its courses. Course content and structure may change over time. See our course disclaimer for more information.

3. How you will learn

Full-time Study
In full time mode, you will learn through a combination of lectures, seminars and workshop sessions. These comprise of a mix of group study, discussion, simulation and presentations of findings by teams and individuals. You will work as an individual and also as part of a team on case studies, team activities, presentations and discussions.

Access to our virtual learning environment, CampusMoodle. is also provided giving you access from home to learning materials (including videos, e-books and journals).

Part-time Study
Our part-time delivery mode combines aspects of distance learning and on-campus delivery. You will benefit from the support of the virtual learning environment but also face-to-face interaction with tutors and classmates.

Distance Learning
Our supported distance learning mode of delivery allows you to study online from any location and is designed to fit in around your work commitments. You will be taught and supported by experienced industry professionals who will recreate the same challenging interactive format of the on-campus courses for those studying at a distance.

Our virtual learning environment, CampusMoodle offers students flexibility of where and when they can study, offering full and open access to tutors and other class members. Students have the benefit of being part of a group of learners with the invaluable opportunity to participate in active, group-related learning within a supportive online community setting. The online campus provides students with lectures and course materials and it also includes:

  • Virtual tutorials
  • Live chat
  • Discussion forums – student and tutor led
  • Up-to-date web technology for delivery methods
  • User friendly material
  • Access to our online library

As online learners, students are part of a ‘virtual cohort’ and the communication and interaction amongst members of the cohort is a significant aspect of the learning process.

Details on the distance learning are also available from our Distance Learning Guide .

4. Entry requirements

  • Applicants normally hold a 2:2 undergraduate honours degree or its equivalent in any subject area.
  • Applicants with a lower degree classification and / or relevant work experience will be considered on a case by case basis.

English Language

Applicants whose first language is not English should have an IELTS of 6.5 overall, with no component lower than 5.5, or an equivalent.

We accept a variety of in-country and secure English language tests, find out more:

* All entry requirements listed here should be used as a guide and represent the minimum required to be considered for entry. A small number of courses require higher levels, but this will be stated explicitly on your offer letter.

5. Placements and accreditations

A four-week work placement within a Communication, Media or Marketing environment is undertaken as part of the course. Companies offering placements expect students to be creative and to come on placement with energy, enthusiasm and some creative new’ ideas. Students often produce work that they are then able to put into a personal portfolio.

Previous students have elected to pursue roles within blue-chip corporations; global communications consultancies; global broadcasting companies; newspapers; leading arts and heritage organisations; oil and gas industry; marketing agencies; public sector; charities; digital media; and TV and radio.

Depending on the placement, you will work on small individual or team projects. You will also be given the chance to observe the overall running of the company, learn about different communication strategies and experience why companies adopt the strategies they do.

The masters degree qualification of this course* has been awarded accreditation and is approved by the Chartered Institute of Public Relations (CIPR) and students are eligible for student membership. Recognition by the professional body is an assurance of the high professional standard and credibility of this corporate communication course.

* CIPR only applies to the Masters level (not to PgDip).

6. Student Funding

Scholarships Funding

Scholarships and funding are available to eligible students at Robert Gordon University, further information via our scholarship pages.

Robert Gordon University is delighted to offer a 20% loyalty discount on course fees for all alumni who have graduated from RGU, further information available via the Alumni page.

7. Course Fees

Who We Are – Ohio Oil and Gas Association #oil #& #gas #software


Who We Are

The Ohio Oil Gas Association (OOGA) is a trade association with more than 2,000 members involved in all aspects of the exploration, production and development of crude oil and natural gas resources within the State of Ohio.

Mission Statement

The Ohio Oil and Gas Association’s mission is to protect, promote, foster and advance the common interest of those engaged in all aspects of the Ohio crude oil and natural gas producing industry.

Joining Together

OOGA represents the people and companies directly responsible for the production of crude oil, natural gas, and associated products in Ohio. Expansion of the shale resource play into the Utica has resulted in an expansion of OOGA membership. The core OOGA membership is comprised of independent oil and natural gas producers, major national oil and natural gas producing companies, and major international oil and natural gas companies – companies focused on the exploration, discovery, and production of crude oil, natural gas, and associated liquids in the State of Ohio. OOGA members also include contractors, oilfield service and supply companies, manufacturers, utilities, refineries, accountants, attorneys, consultants, bankers, geologists, geophysicists, petroleum engineers, insurance agents and representatives, trade schools and other members of the education community, royalty owners, landowners, and college students. The Ohio Oil Gas Association strives to serve the broad range of entities involved in the Ohio oil and natural gas industry by being an effective voice in government and the media as well as an information resource to the membership.

Meeting Our Energy Needs

Independent producers continue to be an important part of our nation’s energy past, present, and future. Independents are the people who are developing America’s oil and gas resource base. Independent producers drill 90 percent of domestic oil and natural gas wells, produce 82 percent of America’s natural gas and 68 percent of America’s crude oil – more oil if the survey did not include Alaskan North Slope oil production. With the recent increase in Utica Shale activity in Ohio, major oil and natural gas companies are looking at expanding or establishing their roots within our state. These companies have explored for oil and natural gas in various shale plays within our nation, offshore, and even internationally. These companies, along with Ohio’s independent producers, continue to look for ways to improve and expand Ohio’s proven crude oil and natural gas reserves.

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Hello, my name is Greg a nd welcome to our site, If you are in need of a quick cash emergency loan you ve come to the right place. Are you interested in applying for car title loan o nline? You can either call me or fill out this online form. You can be rest assured you are in good hands.

The benefit to a car title loan is that you get to continue to use your vehicle while paying the loan off. It s similar to financing a car. The borrower remains the registered owner of the vehicle while the lender becomes the new legal owner (lien holder.)

Car title loans have become more and more popular due to the fact that  borrowers feel confident that the loan will be paid back because they ll be able to still use their vehicle, so they wont have to worry about getting to work, taking their kids to school, etc.

Do you have any questions about car title loans? We are here to help. I ve been in the car business for ten years, and also buy cars for cash too. Our partner site is Cash4CarsLA. You may have a vehicle with a mechanical problem, possibly a car that has failed smog, body damage, please let me know. I m open to everything so please contact me.

We re available 24/7 with your vehicle title loan needs. Please fill out the form below, and we will get back to you asap. You can also call us at (310)433-4625.

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Your Insight Card can be used everywhere Visa debit cards are accepted. Use your card to withdraw cash and check your balance at millions of ATMs worldwide and to make purchases at retail locations, online, over the phone, or through mail order.

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Direct deposit is free. Add money to your Insight Card by having your payroll or government benefits deposited directly to your Insight Card automatically each payday. You can get paid 1-3 days earlier! Ask your employer or benefits provider about setting up direct deposit.

The safest, fastest and most convenient way to add funds to your Insight Card is through direct deposit. However, you can add funds to your Insight Card by stopping in any of our convenient locations.

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We cash any check, for any amount, anytime! Just bring your check and a photo ID (drivers license, Military ID, Passport, etc.) and we will cash your check fast! If you don t have a photo ID, just bring your check and any type of ID you have.

Types of checks we cash include:

We can turn your checks into cash fast. Our check cashing fees are clearly posted in the lobby of every Cash 1 location.

The TSP Loan Guide, Part 2: Pros and Cons of TSP Loans – TSP Allocation Guide #best #rate #loans

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The TSP Loan Guide, Part 2: Pros and Cons of TSP Loans

What are the advantages of Thrift Savings Plan loans?

(1) The interest rate is very low and you are paying it to yourself instead of to a bank. So the loan is essentially free to you, other than a small administrative charge.

(2) You avoid the 10 percent penalty on early withdrawals from retirement accounts. If you aren’t old enough, or are old enough but haven’t separated from federal service, you would have to pay this penalty if you withdrew the money outright.

(3) The fee charged for TSP loans is a very low, flat fee of $50.

(4) The TSP loan application is quick, easy and straightforward. No one is turned down for a loan assuming sufficient employee contributions and earnings. No credit check is required. Other types of loans require a more complex application process, a credit check and more fees.

(5) There is no negative impact on your credit score. A TSP loan does not appear on your credit report, because it is not really a loan (you are using your own savings). If a TSP loan borrower loses his or her job, retires or leaves federal service and is unable to pay off the loan balance, the unpaid balance will be classified as a distribution for which income taxes must be paid, but it will not show up on your credit report as a default.

What are the disadvantages of TSP loans?

(1) The most significant disadvantage is missed opportunity. The most powerful feature of a retirement plan like the TSP is the tax-deferred growth and compounding of earning. Removing funds from your TSP account can significantly affect its growth. The inevitable result will be a smaller TSP balance at retirement, which will impact the way that you live out your golden years.

For example, lets say you took out a $50,000 residential property TSP home loan at the current interest rate of 2.125% and paid it off over 15 years. At the end of those 15 years you would have paid back $58,500 (and earned an additional $950 in interest on the principal after you paid it back). Your nest egg would have grown by only about $9500 in 15 years, and nearly all of that money came out of your pocket. Compare that to $50,000 compounding at 10.6% (the stock market s average rate of return over the past 25 years). At the end of 15 years you would have $243,481.

(2) Potential tax penalty. If you fail to pay off a TSP loan, income taxes on the distribution will be due. An additional IRS early withdrawal penalty of 10 percent will be applied if the account owner is younger than age 59.5 at the time of the loan default.

(3) A TSP loan of either type is not a mortgage. Therefore, the TSP loan interest payments are not tax deductible, as they might be for a mortgage or home equity loan.

(4) If you leave Federal service, you must pay off the loan within 90 days of the date when your agency reports your separation to the TSP. Any unpaid balance will be reported as a taxable distribution

The Double Tax Myth of TSP Loans

In the Disadvantages section of most websites which address TSP loans, the authors usually blindly copy some original source which incorrectly stated that taking a TSP loan results in paying taxes twice because the TSP account holder is moving tax-deferred assets into the taxable realm and after-tax income must be used to repay the loan. Suze Orman popularized the notion while discussing 401K accounts (which have the same tax treatment as the TSP) and this myth is widely spread across the internet.

Let’s say you want to borrow $10,000 from your Thrift Savings Plan account for a year. The TSP G Fund interest rate at that time is 5%, which you must pay back to yourself. That $10,000 was a pre-tax contribution, so you never paid income taxes on it. You take it all out, leaving yourself with $10,000 in cash. You haven’t paid any taxes on that $10,000. You leave it under your mattress, and a year later pay back the same $10,000 plus $500 in interest. You still haven’t paid taxes on the $10,000. When you eventually withdraw the money, then you finally must pay taxes. So what was the only thing taxed twice? The part attributable to the $500. Not the $10,000.

Now, does it matter if during the year your brother took the original 10,000 and then later replaced it under your mattress with a different $10,000? The answer is no. As long as you pay back the $10,000, that is all that matters.

The only part that is taxed twice is the interest. And since you are paying yourself the interest, this small double-tax is really the only cost of doing this loan. Using the example above and assuming a 25% marginal tax bracket, that means you only got taxed an extra $125 on that $10,000 loan. This is the same as getting a regular loan with a 1.25% interest rate.

Career development loans: are they a good way to fund your master s? #advance #loans

#career development loan

Career development loans: are they a good way to fund your master’s?

F unding is the biggest headache faced by students wanting to continue their studies after their undergrad degree. Taught master’s degrees no longer qualify for research council funding, and while some students manage to put together a funding package through scholarships and sponsorships, others are drawn to taking out a bank loan. But is this a good move?

Career development loans (CDLs) have become an increasingly common funding option for those undertaking postgraduate study. There are only two banks currently offering them – the Co-operative bank and Barclays .

Since the government-supported scheme began in 1988, over 304,000 people have taken out a CDL. In this 25-year period, banks have lent in excess of 1.34bn. The Co-operative says: We have seen a steady increase. In 2013, almost 5,000 people took out a CDL with the Co-operative bank.

The CDL funds full- or part-time vocational and professional study. Although it is a commercial bank loan, the government pays the interest for the duration of the course and recipients do not have to repay the loan until they complete their studies.

In recent years, the number of students undertaking postgraduate study has fallen due to following a rise in course fees. A postgraduate taught course now costs an average of just under 6,000 a year, an increase of 7% since 2012-2013.

The number of part-time students has fallen even further. Between 2010-11 and 2012-13, UK and EU students entering part-time postgraduate courses dropped 27% – the equivalent of 25,000 students.

Despite the fall in numbers of those undertaking postgrad study, there’s been a rise in CDL applications, because of the funding cuts.

The Department for Business, Innovation and Skills (BIS) explains the point of the loans: Professional career development loans are short-term finance offers which enable adults to undertake vocational and professional study, with the aim of moving on in work or into work quickly. Recipients are able to concentrate on the learning or training without needing to meet repayments. Repayment only begins one month after they leave their course.

Nevertheless, CDLs have come under some scrutiny and the University and College Union (UCU) argues that high interest rates, non-income contingent payback terms and the need for a good credit record mean that they are not suitable for everyone.

UCU points to a worrying effect on access to postgrad study: Students from less advantaged socio-economic backgrounds tend to be more risk-averse, and the benefits of further learning and the increased salaries that postgraduate qualifications can bring are being skewed towards more advantaged learners only.

You can take out a loan for any amount between 300 and 10,000, and both banks offer an interest rate of 9.9%. CDLs are available to those aged between 18 and 69 with an unlimited right to stay in the UK. However, you need to have been resident in Britain for at least three years, so if you have been abroad for over six months then the banks are likely to reject your application.

The banks will also reject your application if your credit rating doesn’t match their eligibility criteria. While neither the Co-operative nor Barclays were able to disclose the number of applications they rejected, I spoke to a number of students who had their applications declined.

Emma Finamore, currently doing a journalism master’s at Goldsmiths, University of London, says: My application was rejected even though I hadn’t been in any trouble with the bank or phone companies. This nearly stopped me from pursuing my dream of studying journalism.

If I hadn’t started a crowd-sourcing campaign and known someone who was prepared to lend me 5,000, I wouldn’t have been able to do this master’s.

The government covers the interest for one month after the course finishes, but after that the loan operates as a normal bank loan. The student is then fully liable for repayment. Recipients are given between one and five years to repay their loan; but obviously the longer they take, the more interest they accrue. The Co-op bank says the average term on a CDL is five years.

Unlike ordinary loans, CDLs come without arrangement fees or early settlement charges – if you want to end your repayment plan prematurely you can settle without additional charges.

If a graduate is still unemployed after they complete their course, there are protections in place and repayments can be deferred for up to 17 months, but this must be applied for in three separate stages.

However, once the recipient has entered into a repayment scheme it can become very difficult to halt or postpone payments. Banks are keen to retrieve their money even if employment circumstances change. With increasingly precarious labour conditions and the growth of zero-hour contracts, jobs will not necessarily remain secure for the entire repayment scheme.

Veering off-plan can cause long-lasting damage to your credit history and affect your future ability to gain credit. As with all bank loans, there is some degree of financial risk involved.

If recipients fail to meet payments, both the Co-operative and Barclays transfer the loan to a debt collector agency. The Co-op says they cannot disclose how frequently they transfer loans to a third-party debt agency because this is commercially sensitive data.

The Co-op says: If a customer encounters financial difficulties and is unable to pay back their loan, we would encourage them to contact us as soon as possible. We always strive to support customers facing financial difficulties and would only turn to a collection firm as a last resort.

BIS says: CDLs are commercial bank loans and as such the banks seek recoveries in the event someone misses regular repayments and so defaults.

The CDL may be far from a perfect solution to postgraduate funding, but it is one of the few funding options available.

If applicants think the course will further their vocational skills and career prospects, then the CDL may be a good option, but it is less so for those wishing to pursue a future in academia or any other career where a regular salary is not a safe bet.

Advice and an application pack are available if you call the information line on 0800 585 505, open Monday to Sunday, 8am to 10pm, or visit for details.

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‡ Signature and personal loans are offered by an affiliate of TitleBucks and are currently only available in Georgia and Florida. Account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry, and, if applicable, motor vehicle appraisal.

– TitleBucks of Virginia, Inc. d/b/a TitleBucks is licensed by the Virginia State Corporation Commission, license number VTL-37 .

– TMX Finance of Virginia, Inc. d/b/a TitleBucks Loans of Virginia is licensed by the Virginia State Corporation Commission.

– In some locations in Texas, TitleBucks will act as a Credit Services Organization to assist you in obtaining a loan. Your loan may be made by an unaffiliated third party Lender. Please see store associate for details. Please see Important Texas Disclosures .

– In GA, TitleBucks offers Title Pawns.

VPS Hosting #vps #managed #hosting


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Managed VPS

Our managed service takes care of your Xen VPS including security audits, network issues, software upgrades, migrations, email configuration and firewall setup.

VPS features that you can build on!

Our managed VPS hosting is a fast, scalable and customizable alternative for businesses that have outgrown shared web hosting or companies looking to launch the next great web app. Here are just a few of the amazing benefits:


Perfect for hosting great web applications

Launch a robust web app on your server by utilizing a variety of programming languages and state of the art hardware including enhanced SSD drives and the latest Intel Xeon processors.

Keep website visitors happy with lighting fast server speeds

Run your website or app at blazing fast speeds with each plan having up to 12 cores, 24GB of RAM,1TB of storage and the freedom to upgrade your VPS when you need it.

Never wait for your server with our instant provisioning

The server you need, right when you need it. With fully automated provisioning, your VPS will be ready to use in a matter of minutes.

Maintain your professional reputation with blacklist free IPs

Your VPS will be provisioned on blacklist free IPs. We regularly scan our IPs to ensure any IPs that are blacklisted are removed cleaned before being provisioned.


Host unlimited domains websites

Host as many domains and sites as you’d like on your VPS. Perfect for designers and developers who build sites and apps for their clients.

Guaranteed dedicated resources

By utilizing only high-performance components, your websites and apps will always perform at optimal levels. Your computing resources are guaranteed to be available at all times.

Increase your power anytime

We have extra resources – CPU, memory, entry processes, I/O – at the ready for when you need them. Never outgrow your VPS.

Manage multiple servers

Need more than one server? No problem. Easily launch additional VPS servers at any plan level from your HostPapa dashboard.

Ecommerce optimized

With premium servers, heightened security and the best ecommerce apps, a VPS from HostPapa is the perfect architecture to power your online store.

Server resources may be capped and you may not be able to install the necessary scripts, apps or plugins on your website.

If another customer’s website starts using too many computing resources your website’s performance will be negatively impacted.

If another customer’s website on your shared server gets hacked, your website could be compromised as well and remediation is beyond your control.

You may not be able to install important applications in your shared hosting environment due to excessive resource requirements.

With shared hosting, you can receive low to moderate amounts of traffic. Traffic surges may require additional computing resources.

Managed VPS Hosting

VPS gives you the freedom to install any script or app you need, reboot the server and even allocate resources where required.

With a VPS, the resources on your server are yours alone so another customer’s usage will never harm your website of application performance.

A dedicated IP address keeps your VPS account isolated from others and you have the freedom to implement any additional security measures you see fit.

On your own VPS you can install applications and other intensive scripts that require custom server configurations and enhanced computing resources.

A VPS can handle heavy surges in traffic and you can upgrade your account at any time if additional computing resources are required.

Need help?

The PapaSquad is here when you need it.

Making the jump to a Virtual Private Server can be daunting. But with our easy to use control panel and feature packed servers, we’re confident you’ll be up and running in no time. But, if you do get suck, our PapaSquad experts are here to help. Please don’t hesitate to contact us with your VPS questions!

Frequently Asked Questions (FAQ)

A Virtual Private Server (VPS) is an independent, virtual partition on a physical server. Think of a server with different “containers” within it. When you sign up for HostPapa VPS hosting, you get one of these containers, to manage as you wish – install applications or scripts, and arrange your web files the way you want. It’s private, secure, and flexible.

While you will share some hardware resources with other VPS customers on your server, nothing your neighbours do will affect your container and vice versa. You get many of the benefits of your own dedicated server, at a fraction of the cost.

VPS hosting is an affordable option when your business requirements outgrow the capacity of shared hosting. It’s the next logical step: substantially more capacity and control for just a bit more money.

VPS offers a number of advantages over shared hosting. As a VPS user, you can:

  • Run specific applications not allowed in shared plans, such as custom forums.
  • Access additional capacity – fewer customers share each server.
  • Enjoy the reduced risk that your business will be disrupted due to a co-hosted site on the server.
  • Be independent. If another customer compromises his or her VPS, yours won’t be affected.

Two words: cost and maintenance. Running your own dedicated server is possible, but comes at a higher cost and is self-managed. You will need to keep up with patches, hardware upgrades, and server maintenance and storage. If you try to cut corners and set up a dedicated server on the cheap, you will probably end up with lower grade hardware with high risks of failure.

You can also rent dedicated servers, but the price is substantially more than a VPS. A VPS offers the perfect step between the constraints of a shared hosting plan and the commitment of a dedicated server. You’ll have a lot more flexibility, capacity, and control – at an affordable price.

Customers who make use of cPanel/WHM will receive full management of their VPS. Installation of non-cPanel supported applications will not be supported by our technical support. Managed VPS hosting means that we will handle just about anything to do with your server: nuts, bolts, wires, drives, connectivity, racking, storage, security, and so on. All you have to manage is your own container, which you can do using the provided control panel software or through root access. You can install, manage, and operate customer software / scripts of your choice.

Managed support services include, but are not limited to:

  • Server boot failures
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  • And more

Using VPS hosting does not have to be much more complicated than using a shared hosting service – but some prior experience in hosting will be an asset. Remember: a VPS lets you take control of your server space. It’s good if you have some basic technical knowledge to do so. It’s also a logical step to take when you’ve outgrown a shared hosting environment.

If you are used to cPanel to manage your websites, you’ll be pleased to know you can still use it to manage your Linux VPS-powered sites! This is a great option for those who may be a little wary.

No matter which service or VPS plan you choose, HostPapa is here to help you get started.

* Promotional price is for the first term only. Plans renew at regular rates. Percentage savings listed may be rounded numbers and may vary from exact percentages saved.

‡ Free domain registration or transfer offer is not applicable to .us. sg, or .hk domains. Free domain registration is for first year of qualifying plans. If you register a free domain and cancel your account, a non-refundable domain fee will be applied.

+ Available to new HostPapa customers transferring from a host that uses cPanel for website management. See here for more details.

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Revolving Credit #revolving #credit #facility


Revolving Credit

BREAKING DOWN ‘Revolving Credit’

The bank in agreement with the customer guarantees a maximum amount to be loaned. Along with the commitment fee, there are also interest expenses for corporate borrowers and carry forward charges for consumer accounts.

Financial institutions consider several factors regarding the borrower’s ability to pay before revolving credit is issued. For an individual, this consists of credit score. current income and employment stability. For organizations seeking revolving credit, a financial institution reviews the company’s balance statement, income statement and statement of cash flows.

Revolving credit is useful for individuals or entities that experience sharp fluctuations in cash balances or unexpected expenses. Because of the convenience and flexibility, a higher interest rate is typically charged on revolving credit as opposed to traditional installment loans. Revolving credit typically comes with variable interest rates that may be adjusted.

Examples of Revolving Credit

The credit limit is the maximum amount of credit a financial institution is willing to extend. The most common revolving credit examples include home equity lines of credit and personal lines of credit.

Revolving Credit vs. Installment Loan

Revolving credit differs from an installment loan, as the installment loan has a fixed number of payments over a set period of time. Revolving funds only require payment of interest plus any applicable fees.

Revolving credit implies a business or individual is pre-approved for a loan. A new loan application and credit reevaluation does not need to be completed upon utilizing revolving credit. For this reason, revolving credit is intended for shorter, smaller loans. For larger loans, financial institutions require more structure including installation payments.

Revolving Credit vs. Credit Cards

There are numerous differences between a revolving line of credit and a business credit card. First, there is no physical card required for revolving credit. Second, revolving credit does not require a specific purchase. Revolving credit allows money to be transferred into a bank account for any reason. The actual transaction does not need to have been made yet. This makes revolving credit similar to a cash advance as funds are available up front. Revolving credit also typically has significantly lower interest rates compared to credit cards.

Watch betterman English Dub – Subbed Anime Online! » StreamAnimeTV #betterman #english #dub, #betterman #english #dubbed, #betterman #english #sub, #betterman #english #subbed, #betterman #free #online



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Marietta, GA DUI, Criminal Defense & Family Law Attorneys #divorce, #lawyer, #criminal #defense, #marietta


Marietta Criminal Defense

Searching from a mobile phone? Click the image above to learn more about Criminal Defense, or call (770) 425-3373 to set up a consultation today.

Have you been arrested, charged, or accused of a crime? M. Sarah Hobson of Hobson & Hobson, P.C. has handled hundreds of criminal defense cases and relies on her special litigation training, premier negotiation skills, and impeccable reputation within the community when representing clients in the areas of DUI. drug charges. crimes of violence. probation violations. and other crimes.

As a former prosecutor, M. Sarah Hobson has first-hand knowledge of how the State plans to prosecute these crimes, and believes in the Constitutional value that every citizen is “innocent until proven guilty.” We take pride in providing clients in the Cobb County, Cherokee County, Fulton County, Paulding County, and all metro Atlanta areas with an effective, aggressive and unrelenting legal defense and will fight for the rights of all citizens in the State of Georgia.

As a firm, Hobson & Hobson, P.C. has adopted the “Golden Rule” as a standard for the firm, and strives to treat every client as we would hope to be treated. While bringing empathy and compassion to every case, we will not shy away from trial or move toward negotiation simply because these are often the “easier” options. Our mission is to provide each client with an individually tailored case strategy to ensure a positive and desirable result. Please call today and set up a consultation to discuss your rights, and have Hobson & Hobson, P.C. become your defense team.

Marietta Divorce Lawyer

Searching from a mobile phone? Click the image above to learn more about Family Law. or call (770) 425-3373 to set up a consultation today.

Looking for advice related to Divorce. Custody. or Fathers Rights. Christopher F. Hobson & Hobson & Hobson, P.C. are focused on helping our clients make the best legal decisions during the most challenging time in their lives. Christopher F. Hobson relies on his special litigation training from years of working at a top Atlanta divorce law firm to provide each client with an amicable, efficient, and effective outcome to preserve your future well-being for years to come.

While bringing empathy and compassion to each case, he will not shy away from an aggressive approach to protect your children, assets, and earning capabilities. Our firm understands that a swift, peaceful and amicable resolution is best for your family; however, we are unrelenting in our advocacy, and aggressive in our trail tactics, to ensure and protect your family’s future.

Based in Cobb County, Georgia, Hobson & Hobson, P.C. has developed a strong reputation in the community as attorneys who know how to help our clients because they understand the emotional and financial stakes involved in divorce, property division, child custody, Fathers Rights, and other legal matters.

As a firm, Hobson & Hobson, P.C. has adopted the “Golden Rule” as a standard for the firm, and strives to treat every client as we would hope to be treated. We resolve cases in a manner that fits each of our client’s needs. Most importantly, we will protect your best interests, ensuring that the legal steps we take today will benefit your life tomorrow and for years to come.

Septic Tank Problems #septic #tank #issues


Septic Tank Problems

Septic Tank Problems

Septic Tanks

A septic tank system consists of a storage tank with two or three chambers to separate the solid waste from the liquid waste allowing the liquid waste to be discharged in to a drain-field (soak-away) or a treatment unit.

Generally there are two types of septic tanks; onion shape and low profile cylindrical (or low invert) septic tanks.

Onion shape tanks

These are constructed by Klargester and conform to BS regulations. These tanks are made with glass fibre and have a baffle to separate the solids from the liquid. Klargester tanks must be installed with a concrete base and backfill.

Here are some common problems with the Onion Septic Tank

  1. Baffle collapse, older models of Alpha septic tanks or onion tanks had a common problem with the baffle that hangs in the middle of the tank detaching from the hull and falling in to the tank, this would cause the waste from the inlet side to mix with the water and eventually find its way in to the soakaway causing blockages
  2. If not installed with a concrete surround these septic tanks are prone to collapse.
  3. blockage due to poor venting, as main vents are situated under the main lid these can be prone root infestation.

Low profile (invert) cylindrical septic tanks

This type of septic tank has a lower invert level than the onion shape, making it easier to install because the excavation area is smaller. They are also very good for installation in areas with a high water table, the construction is of glass fibre and because of their twin chamber construction they are very clean septic tanks.

Here are some common problems with the Low profile septic tank

If it is a older tank using clay pipework the t pipe outlet can be easily knocked off leaving you with a straight outlet pipe that allows all the sludge waste from the surface of the to exit down to the soakaway causing blockages.

Because this type of septic tank is more efficient at compressing the sludge waste the tendency can be to leave large amounts of time between emptying intervals, this can cause the sludge waste to solidify at the bottom of the septic tank making it very difficult to de-sludge

Common problems with septic tanks

It’s true to say that most septic tanks and soakaways develop some sort of problem during their life-time, whether associated with overflowing, blockages or bad odours.

Every septic tank system has a soakaway attached to it and the most common problem with a septic tank is the soakaway failing or becoming blocked. Unfortunately every soakaway will fail at some point, and the same is true for septic tanks and wastewater treatment plants. The main reasons for soakaway and septic tank failure is usually a combination of poor maintenance, deterioration of the septic tank and drainage pipes – especially if they are clay pipes.

How will you know if your soakaway has failed?

Here are the most likely symptoms:

Effluent surfacing and leaking out of the ground.

Bad odours from the wastewater.

Septic tank backing up quickly after emptying.

Overflowing bathroom and kitchen gullies.

Inspection chambers with residual effluent.

What do you need to do to ensure your septic tank and soakaway or drainage field works properly?

This mainly comes down to maintenance – like changing your car oil, all septic tanks should be emptied at least once a year because if the sludge from the septic tank starts to reach the soakaway or drainage field, it will cause a blockage and fail. All septic tanks need to be emptied whether they are Onion shape or low profile cylindrical shape.

How to construct a soakaway?

For information, please see our Septic Tank Soakaway page.

Cash Advance Payday Loans Online Review #one #hour #loans

#best payday loan


Cash Advance is an online payday loan broker that has been in operation since 1997. You can apply for a loan at any time of the day or night and in most cases your loan can be funded within 24 hours of your loan approval. You can borrow up to $1,000 and you can customize your loan term to match your next payday. Cash Advance allows you to get the loan you need regardless of your credit history. Even if you have declared bankruptcy you are still eligible for a loan at The entire loan application process is online and your loan will automatically be deposited into your bank account upon approval.

Details of Loans

The lenders in Cash Advance’s network offer APRs between 200% and 2,290% depending on how they calculate the APR. CashAdvance allows you to borrow between $100 and $1,000 and your loan term can range from 7 days to 30 days. In order to apply for a loan, you need to simply complete the online application form. This step should take less than 5 minutes to complete. Your information is protected by state of the art encryption technology so it will not be stolen by a malicious 3rd party. Once you have completed your application it will be reviewed and you will be matched with the best online lender. In most cases your loan will be deposited into your checking account the next business day. Cash Advance works with a large number of reputable lenders in order to find you a lender that can accommodate your needs.

Eligibility Criteria

Some states and districts have stringent limitations or have banned payday loans completely so you must live in a state that allows payday loans. In addition, you have to be 18 years of age and a citizen or permanent resident of the United States. You need to have a monthly income of at least $1,000 after taxes and you must work with the same employer for 90 days. Finally, you will need to have an active checking account in your name. On the loan application you will need to provide your date of birth, name, home address and a valid email address as well.

Considerations for Payday Loans

Payday loans are not the best solution for all circumstances and they should only be used on a short-term basis. Because Cash Advance simply matches you with a lender, you will need to read the implications of non-payment for your specific lender. However, all lenders at Cash Advance must abide by all applicable federal and states laws in regards to non-payment. If you miss a payment, you will likely be charged a late fee and your credit score may be negatively affected.

Customer Service

Cash Advance is a service provider and can be contacted or accessed in regards to any available services it offers. If you have a question about a current loan you must contact your lender directly. For any questions about Cash Advance, you can contact customer service via online form in the ‘Contact Us’ section or you can send an email to customer service. You should receive a reply within 24 hours of your inquiry. There is also a frequently asked questions section that contains information about eligibility requirements, loan amounts and other general terms and conditions for loans at Cash Advance.

Value for Money

Cash Advance matches millions of customers to lenders each and every year. This online payday loan broker also uses the most advanced security measures to protect you from online fraud. adheres to all Fair Lending laws by providing clear information about payday loan terms, charges, rates and other important conditions.

Automotive Tools Tips Advice – Kelley Blue Book #best #bank #loans

#car loan

Upside-down on a Loan?


It is common knowledge among automotive salespeople that roughly two-thirds, more or less, of all new-car buyers who walk into a dealer’s showroom have a current car to trade in, and roughly two-thirds of those, more or less, owe more on that existing vehicle than its trade-in value. If you owe more on something than it’s worth, in the terminology of the industry that is known as being “upside-down,” and it applies to roughly half of all new-car buyers. This didn’t used to be so common, as there was a time when a prudent buyer tended to purchase a car and diligently pay it off. But, with incentives on the rise, low-interest, long-term loans dominating the financial landscape and increasing numbers of buyers over-extending themselves by seeking instant automotive gratification, more people are finding themselves in the situation of owing more on the vehicle loan than the car is worth.

In a market that pushes the newest, latest car designs, many people feel they have to get into a new car — whatever it takes. Others simply don’t feel comfortable driving a car that is out of warranty or has a lot of miles on the odometer. Whatever the reason, the fact remains that dealers and financial organizations are willing to accommodate these purchases by making deals that roll-over the debt owed from the trade-in and add it to the financing for the new car with, understandably, a higher loan amount over a longer period of time. This is done to keep the monthly payment low enough to be affordable. What sometimes doesn’t get noticed by the buyer is that he or she is now making payments on two cars — the new one and what was left of the old one — and taking a very long time to pay it all off.

Furthermore, when a buyer is described as being upside-down it is quite often not for just a few thousand dollars. Many buyers are upside-down by 10 or 20 thousand dollars, or even more and, at their current rates, it will be years before they are even.

Why is this so common?

The combination of hefty incentives, smaller down payments and the general willingness on both financial and dealer organizations’ parts to create roll-over loans has influenced the market to accommodate lenders’ needs and find creative solutions to getting buyers into new vehicles. Some of these methods are less desirable than others but, ultimately, it’s a personal financial decision a car buyer must make before taking the plunge. And, in truth, the real reason many people are so far upside-down is because they were too eager to get a new car and didn’t consider the financial consequences. When a buyer is heavily upside-down, it didn’t happen by accident.

Understand Your Position

Don’t know if you’re in this situation? To find out, simply look up the trade-in value of your current vehicle — be sure to rate your vehicle’s condition by selecting the “Rate It” link on the pricing pages. If your trade-in value is less than the balance of your current car loan, you are upside-down by that amount; if you were to trade in that car on the new car, you would still have to give the dealership the additional money just to come out even on the trade. Check out your car’s private party amount. Is it still less than your debt? If not, you may want to try selling it yourself.

Understand Your Options

If you find yourself in this position, you have several options — each with benefits and risks attached:

Option 1: Roll-over the existing debt to a new car loan


The biggest benefit to choosing this option is that you will be able to drive that new car off the lot, possibly for a comparable monthly payment.



You will probably be asked to finance a long-term loan, which means you will owe a lot more than the new car is worth, and is going to be worth, for an even longer period of time.

Option 2: Find a new car with an incentive amount that covers your debt


This finance trick is great for covering the amount of your trade-in debt and will eliminate the roll-over effect.


Remember that with most incentivized vehicles the resale value is taken out of the car up-front. In other words, you’ll find these cars’ values drop faster than other cars that do not have incentives, thus placing you in another upside-down position later. NOTE: This is still less risky than Option 1 because, in this case, the manufacturer has absorbed part or all of the negative balance.

Option 3: Keep the car you have until its value catches up


The obvious benefit here is that you will have equity to work with when you’re ready to look for a new car. Generally, this is the wisest financial choice and, taken to its logical conclusion, it will get you back on top of things. But it doesn’t satisfy many buyers’ desires for instant automotive gratification.


The only risk is that your car could have excessive miles and damage, reducing the amount you have to barter with. But, if you can live with it for a while and pay it off, you will eventually be back in a much better financial position.

Option 4: Refinance your existing car with a shorter-term loan


Third-party financial companies, like  LightStream, an online lending division of SunTrust Bank. offer refinancing loans that could speed up the time it takes to get your loan healthy.


You risk missing out on getting those new wheels, of course, but you may also find yourself outside your current car’s warranty coverage and accumulating a lot of miles on it. And, to restructure in this way will almost certainly mean your monthly payments will increase — after all, you’re refinancing the remaining portion of an existing loan over a shorter time period.

As you can see, both consumers and dealers are coming up with highly creative ways to deal with this growing issue. The biggest danger is that rising interest rates — even increases as small as one percent — could equate to an increase of several hundred, or even a few thousand dollars over the life of the loan. With some loans being financed for terms as long as 96 months (eight years), the effect of rising interest rates and the practice of rolling-over an existing loan into a new one could result in an unfortunate situation that would negatively affect your personal financial health. And all for a new car.

Avoid Being Upside-Down Again

Finally, here is some general advice on things you could do before you pursue your next car purchase:

  • Educate yourself on your credit score don’t pay a higher interest rate than you need to.
  • Educate yourself on available interest rates in the marketplace before applying for a loan; know a good rate when you see one.
  • Do plenty of pricing research on available new car and trade-in values to get a good value on both transactions.
  • Match your loan to your expected ownership length of time; a longer loan will help keep monthly payments low, but chances are it will lead to being upside-down when the time comes to trade in for yet another new car.

The U. S. Small Business Administration #house #loan

#green loans

Environmental Grants Loans

Use the links below to help find financial resources to pay for energy efficient upgrades to your facilities, to finance your business’s innovative environmental products and technologies and to support your environmentally friendly business.

Search by category to see grant applications related to energy, environmental topics, natural resources, transportation, science and technology, agriculture and disaster prevention and relief. The Partnership for Sustainable Communities grants site can also help you identify relevant grants on

Department of Energy Grants and Loans

The Department of Energy provides many funding opportunities. including:

Environmental Protection Agency Grants

The Environmental Protection Agency (EPA) has several grant programs, many of which are listed on this site. In addition, links to several specific programs are provided below:

National Science Foundation (NSF) Grants

Small Business Innovation Grants

A few federal programs provide grants to small firms engaged in scientific research and development (R D). The federal government’s SBIR (Small Business Innovation Research) and STTR (Small Business Technology Transfer) programs award a specific percentage of federal R D funds to qualified small businesses. SBIR/STTR programs encourage small firms to undertake scientific research that helps meet federal R D objectives, and have high potential for commercialization if successful.

The following federal agencies award SBIR/STTR grants:

Cash Advance Till Payday – Payday loans – Loans Till Payday #payday #loans #lenders

#loans till payday

Cash Advance Till Payday

When you find yourself unable to pay off for cash expenses arising in between days left for payday to come then apply for cash advance till payday. With Loans Till Payday you can avail cash advance till payday within one day of applying for it. Apply now for cash advance till payday to meet your needs without any delay!

Loans Till Payday provide cash advance till payday for your entire unavoidable and urgent expenses. Cash advance till payday is available with us for both tenants and homeowners without any obligation. You can avail cash with us for expenses like unanticipated illness, electricity bill, car repairs and unanticipated travel expenses. Cash advance till payday is the perfect choice for all these short term expenses. Apply with Loans Till Payday and avail cash advance till payday to satisfy all requirements!

You can apply for cash advance till payday for amount ranging from 100 to 1500. Loans Till Payday offer cash with flexible repayment time duration between 14 to 31 days. As it is a type of short term loans hence you are supposed to repay cash advance till payday within repayment duration. You can apply online for cash advance till payday anytime as per your convenience. More so apply with us for cash advance till payday with least paper work!

Apply for cash advance till payday without getting worried about credit check. Loans Till Payday provide cash without any sort of credit investigation into your credit history. Even if you have been undergoing with problems of bad credit like defaults, arrears, bankruptcy, insolvency and CCJs then also you can apply for cash advance till payday. Apply for cash without any consideration to bad credit and insufficient credit with Loans Till Payday!

Automotive Tools Tips Advice – Kelley Blue Book #litton #loan #servicing

#no interest loans

Zero-Percent Financing: Financial Fact or Fiction?


When you hear or see ads touting zero-percent financing, your first reaction may be one of skepticism. How can any finance company offer a car loan with no interest? Yet, zero-percent financing is currently one of the most popular incentives in the automotive industry, and it is offered by the finance arms of major automotive manufacturers.

Just as they offer vehicles with cash rebates, car companies subsidize the finance arms of their corporations, essentially pre-paying the loan interest on specific models. Each company follows the individual formula that works best for it depending upon the cost of the vehicle and the loan term.

The automotive industry on the whole has been on a downward sales trend since before the events of 9/11 and, since that time, zero-percent financing has been offered on more brands than ever.

Does zero-percent financing work? In large part, yes. According to the J.D. Power Dealer Finance Study, it is considered to be one of the most successful motivators to get car buyers into dealerships. Another side of the issue is that while the enticement of zero-percent financing brings many car buyers into the dealerships, those buyers may not necessarily end up with the zero-percent loan — for a variety of reasons, which we’ll explore.

When it comes to zero-percent financing, what is fact and what is fiction?

  1. Zero-percent financing usually requires a shorter-term loan, which can require higher payments.

The most common zero-percent finance deals tend not to extend for as long as the conventional auto loans, so many buyers may opt for the conventional loans in order to keep the monthly payments lower — even though they will end up paying a lot more money in the long term. There are, however, exceptions to this rule, in which zero-percent financing may be offered in longer terms.

  • Zero-percent financing requires unblemished credit to qualify.
    Not necessarily, as some finance programs are moving to go after an expanded audience of buyers with less than perfect credit scores.
  • Zero-percent financing is available only on a limited number of models in dealer stock — not on special orders or certain option packages.
    Most zero-percent deals tend to apply only to the vehicles on the dealer lot and they may not include special option packages or premium models.
  • Zero-percent financing is usually offered in an either/or situation with a cash rebate and you must choose between the two.
    Most of the programs typically follow this formula.
  • If you qualify for zero-percent financing, negotiating a lower price on the vehicle may be more challenging.
    Although this may happen, a reputable dealership will be open to negotiating the deal before applying the zero-percent financing to your sale. As always, we recommend you do your homework before buying.
  • Even if you do not qualify for zero-percent financing, excellent interest rates are available.

    An online lender such as LightStream, an online lending division of SunTrust Bank. can, in many cases, get you a lower interest rate than a dealer might offer. For this reason, we recommend shopping loans online to make the best possible choice before you go to the dealership.

  • With all these facts in mind, many people will be attracted to zero-percent financing. Although this trend has been around for a couple of years, most industry experts believe it can’t last forever. With the advent of lower interest rates and flexible terms, today’s car buyers are finding creative financing options at an all-time high. And, with the economic challenges facing many car buyers, these programs will continue to bring buyers into dealerships.

    Auto Loans In South Carolina #2000 #loan

    #used car loans

    Auto Loans

    Today’s Auto Rates:

    New and Used: As low as 1.99% Annual Percentage Rate (APR)*

    Looking to purchase a new or used car, truck or SUV? Let South Carolina Federal help you get the financing you need. We offer great rates, flexible payment options, and much more. And with our pre-qualification program, you can apply before you shop!

    Free automatic payments

    Make no payments for up to 90 days**

    Transfer your existing auto loan from another lender and your Simple Checking or Premium Checking account may qualify you for a discount.

    Today’s Auto Rates:

    New and Used: As low as 1.99% Annual Percentage Rate (APR)*

    Looking to purchase a new or used car, truck or SUV? Let South Carolina Federal help you get the financing you need. We offer great rates, flexible payment options, and much more. And with our pre-qualification program, you can apply before you shop!

    Transfer your existing auto loan from another lender and your Simple Checking or Premium Checking account may qualify you for a discount.

    Auto loans rates #private #loans

    #auto loans rates


    Take a break from paying one of your loan payments and spend that hard earned money on something else! You can use two skip-a-payments per year, with a maximum of five skip-a-payments for the life of your loan.

    AutoSmart Car Buying

    Click.Shop.Drive with AutoSmart. Start your search for the perfect vehicle with AutoSmart where valuable resources are at your fingertips.

    • Search extensive inventory of new and used vehicles online or by the AutoSmart app
    • Let AutoSmart sell your current ride
    • Research before you buy

    Guaranteed Asset Protection (GAP) covers the difference between what your insurance company pays and what you owe on your vehicle, should your car be stolen or totaled. All members who take out an auto loan have the option to add GAP coverage. Find out more about the benefits of GAP coverage.

    Extended Warranty

    R1CU offers comprehensive, extended warranty coverage on most new and used vehicles with up to 125,000 miles. It’s the same type of protection the dealers offer, but usually hundreds of dollars less! Find out more about the benefits of Extended Warranty.

    * Subject to credit approval, must be eligible for and become a Resource One member/owner. To qualify, there must be no previous vehicle credit history, no derogatory credit history, employed in a full time capacity at least one year with current employer.

    ** Subject to credit approval, must be eligible for and become a Resource One member/owner. To qualify, must provide proof of college degree, be employed in a full-time capacity or have a copy of an offer letter.

    Auto Refinance Calculator #how #to #get #a #loan #with #bad #credit

    #car loan refinance

    Get this calculator for your site:

    Auto Refinance Definition

    How many times have you bought something and then found it later for less. Didn t you wish you could change your original deal? But you can t go back and renegotiate the price of the corn flakes you just bought. Grocery stores don t work that way. Automobile finance companies, however, do.

    Refinancing your auto loan is a legal way to change your original deal, a do over of your loan that can save you money. By refinancing you can:

    • Lower your monthly payment
    • Save money on interest
    • Reduce the overall cost of the loan

    It s clear the benefits are great. But you need to consider a few things first:

    When Should I Refinance?

    Strictly speaking, the only times you should consider refinancing are when there are changes in two specific areas affecting your loan:

    1. Your Credit Rating. When your credit rating improves, even by as little as 50 points, you may be eligible for a lower interest rate.

    2. Interest Rates. When prevailing interest rates drop, car loan rates usually follow suit. Refinancing your balance at the new lower rate may save you thousands.

    What Should I Refinance?

    This may seem obvious. It s your car, right? But that s just one side of the equation. On the other side are money and time. Bankers say balance for money and term for time. When you refinance you make adjustments to one or both of these.

    Refinancing your balance at a lower interest rate will save by reducing both the monthly payment and the loan s total cost. But refinancing just your term with a longer loan period, while lowering your monthly payments, ultimately results in higher overall loan costs.

    So if your goal is simply to lower your monthly payments, and you don t mind paying more for the overall loan, then refinancing the term may be an acceptable option for you. But for most, refinancing only makes sense when it s done to apply a new, lower interest rate to the balance.

    Where Should I Refinance?

    Start by checking with the company you re with now. Then check your bank or credit union. In addition, websites such as can help you find an online lender and compare rates.

    How Do I Get Started?

    Go online or look at your loan account documents. Make a note of the current loan balance, the current interest rate, and the current monthly payment. Enter these amounts into the Auto Refinance Calculator.

    Now invoke your power as a consumer and compare interest rates from different lenders. The calculator will tell you just how much you ll be saving and what your monthly payment will be.

    Refinance: Take Back the Power!

    Banks do it to us all the time. They ll raise the interest rates on our credit cards without batting an eye. Isn t that just a do-over? Now you can impose a do-over on them. Refinance your car loan when the conditions are right. Let our Auto Refinancing Calculator help.

    How to Calculate Auto Refinance

    Let’s be honest – sometimes the best auto refinance calculator is the one that is easy to use and doesn’t require us to even know what the auto refinance formula is in the first place! But if you want to know the exact formula for calculating auto refinance then please check out the “Formula” box above.

    Add a Free Auto Refinance Calculator Widget to Your Site!

    You can get a free online auto refinance calculator for your website and you don’t even have to download the auto refinance calculator – you can just copy and paste! The auto refinance calculator exactly as you see it above is 100% free for you to use. If you want to customize the colors, size, and more to better fit your site, then pricing starts at just $29.99 for a one time purchase. Click the “Customize” button above to learn more!

    Auto Title Loans – Fast Facts About Auto Title Loans #3 #month #loans

    #auto title loans

    Auto Title Loans

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    Auto title loans are short term loans that allow you to pledge title to an asset in exchange for cash. The most common auto title loan is a car title loan. Before you use a auto title loan, make sure you know the pitfalls.

    Basics of Auto Title Loans

    Auto Title Loan Amounts

    In general, auto title loans are small loans. They’re a good deal for the lender, since they have a good chance of getting all their money back by selling the asset you pledge. This means that auto title loans are often not as advantageous for borrowers. You put a lot at risk for a small loan.

    Auto Title Loan Problems

    The main problem with auto title loans is that you can lose the asset you pledge as collateral, and you don’t get much in return.

    Yes, you get a little bit of money from auto title loans, but the risks are high.

    For example, you might pledge your car for a auto title loan. What happens if you can’t pay as agreed? You’ll lose your car, and you may lose your ability to get to work and earn income (or get to job interviews and get back on your feet).

    In addition, auto title loans are generally expensive. Before you use a auto title loan, explore all of the alternatives:

    The Lowdown on Auto Title Loans

    These loans should be a last resort.

    Auto Loans #advance #loans

    #auto loans rates

    Getting financed for an auto just got easier!

    New, Used, and Classic Vehicle Loans

    Connect to dealerships that offer affordable credit union financing.

    With all the models and financing options available today, where do you begin? For starters, you can rest assured that Vantage West financing is available at many Tucson- and Phoenix-area dealerships.  Visit AutoSMART to locate a local dealer and to

    • learn about features, ratings, rebates, and reviews,
    • browse more than 1.6 million vehicles, and
    • compare cars.
    • Don’t risk having to pay the difference between an insurance settlement and the payoff balance of your auto loan in the event of a loss.

    »  Consider GAP insurance coverage !

  • Avoid unexpected repair bills including towing, rental car reimbursement, and roadside assistance.
    »  Ask us about Mechanical Repair Coverage .
  • Who wouldn t want financial relief after an unexpected life event that could lead to the burden of loan delinquency, default, or foreclosure?

    All loans subject to approval. Rates based on credit worthiness, loan product, term of loan and age and value of vehicle used as collateral. All rates, terms and conditions are subject to change without notice. Certain restrictions may apply.

  • Купить хостинг: недорогой виртуальный веб хостинг сайтов #хостинг, #хостинг #сайтов #


    Сертифицированное оборудование, надежные каналы связи позволяют предоставлять нашим клиентам услуги высокого качества.

  • Фильтрация паразитического трафика, защита от брут-форс атак помогут обеспечить сохранность данных клиентов.

  • Серверы на базе процессоров Intel Xeon, аппаратный RAID и обновляемое программное обеспечение делают работу сайтов максимально быстрой.

  • Доступные цены всегда были приоритетом нашей компании. Партнерская программа поможет сэкономить ещё больше.

  • Дата-центры в Санкт-Петербурге обеспечат быстрый отклик сайтов у российских и зарубежных провайдеров.

  • Сотрудники с многолетним опытом в сфере хостинг-услуг всегда оперативно помогут решить возникшие у клиентов трудности.


    Сегодня владельцам сайтов, веб-мастерам или обычным пользователям уже не нужно объяснять значение качественного хостинга. Грамотный профессиональный хостинг сайтов – это и бесперебойный доступ к веб-сайту, и удобство администрирования, и поистине безграничные возможности для сетевого продвижения ресурса, и еще многое другое.

    Хостинг от – лучшие возможности для размещения Вашего сайта!

    Наша компания – лидер рынка по предоставлению услуг доступного и абсолютно качественного хостинга в своем сегменте. Клиентам, в том числе потенциальным (в тестовом режиме) мы предлагаем профессиональный сервис. А невысокая цена на хостинг делает этот сервис еще более востребованным. В первую очередь среди владельцев ресурсов, требующих хороших мощностей и приличных скоростей.

    Для наших клиентов недорогой хостинг – это не только привычный набор провайдерских услуг, но еще и:

    • регистрация, а равно и продление доменных имен в более чем 45 зонах;
    • VIP-хостинг (для интернет-проектов, емких по ресурсам) по приемлемой стоимости;
    • плюс специально адаптированный безлимитный хостинг для юр. лиц.

    Наши виртуальные выделенные сервера размещаются на собственной физической площадке с уникальными возможностями. Совсем недавно компания открыла новейший Дата-Центр на несколько каналов связи (пропускная способность основного 10 Гбит/с).

    Дата-Центр обеспечен круглосуточным кондиционированием, гарантирующим заданную влажность и строго установленную температуру в рабочих помещениях. Кроме того, нами активно эксплуатируется инновационная система распределения и резервирования, выгодно дополненная бесперебойным питанием.

    Что касается сетевого оборудования, мы работаем на высококлассном профессиональном решении Juniper Networks, позволяющем предлагать клиентам качественный но в тоже время парадоксально дешевый хостинг (в разумных пределах).

    Мы обеспечиваем надежную круглосуточную охрану всего Дата-Центра, а значит, ответственно обещаем всестороннюю безопасность нашим клиентам.

    Как выбрать хостинг

    Любой, кто создает свой сайт – будь то виртуальный магазин, информационный ресурс или даже личная интернет-страничка, должен купить хостинг и домен. Ведь сайт нуждается в сетевом размещении (а значит, адресе), чтобы стать доступным для посетителей.

    Конечно, сегодня купить хостинг – это не проблема. Но надо понимать, что размещение размещению рознь. Той же личной страничке или временному ресурсу подойдет и дешевый (а то и вовсе бесплатный) виртуальный хостинг, а более солидным, в том числе коммерческим проектам необходимы серьезные мощности, сопровождающиеся широким спектром возможностей и не омраченные списком пользовательских минусов.

    Сам веб-хостинг и хостинг-провайдера надо выбирать под конкретный веб-сайт с его задачами и в соответствии с бюджетными возможностями. Но надо помнить, что например бесплатный хостинг почти всегда сопряжен с неудобствами:

    • ограничениями, связанными с дисковым пространством, мощностью процессора и оперативной памятью;
    • доменом не выше третьего уровня;
    • неудобным серверным соседством;
    • нелояльностью поисковиков;
    • навязчивостью несанкционированной рекламы;
    • неоперативностью, а то и вовсе отсутствием техподдержки и т.д.;

    Недорогой хостинг, безусловно, может быть хорошим, но следует очень тщательно изучать провайдерские предложения на предмет возможностей и глубины администраторского доступа, хорошей скорости, хороших перспектив для оптимизации и сетевого продвижения ресурсов.

    Реальность же такова, что платный – это сегодня самый надежный хостинг для пользователей. Особенно, когда речь идет о виртуальном выделенном сервере (VPS/VDS).

    Все плюсы VPS/VDS-хостинга

    Хостингом VPS (или VDS) называют по размещению и обслуживанию веб-сайтов в сети при условии предоставления в аренду сайтовладельцам виртуального выделенного сервера. Который, в принципе, эмулирует работу сервера физического со всеми его преимуществами. В частности, управление ОС на VPS/VDS абсолютно такое же:

    • администраторский root-доступ;
    • свои IP-адреса;
    • индивидуальные фильтр-правила, а также порты и таблицы маршрутизации.

    На физической машине может быть запущено сразу несколько виртуальных выделенных серверов. И любой из них – это собственные:

    А также отдельное администрирование. И администратор имеет широкие возможности:

    • устанавливать самые разные приложения;
    • работать с любыми файлами;
    • а также исполнять иные задачи любой сложности.

    Очевидно, что сегодня аренда виртуального выделенного сервера – это разумный баланс между качеством предоставляемых услуг и сравнительно невысокой стоимость на них. И это понимает большинство продвинутых владельцев сайтов, веб-мастеров и рядовых пользователей. Поэтому такой платный хостинг пользуется возрастающей год от года клиентской популярностью.


    • Партнерская программа

      • Наши клиенты могут не только пользоваться услугами бесплатно, но и зарабатывать с помощью нашей партнерской программы. Если пользователь сделает заказ по Вашей партнёрской ссылке – Вы будете получать 10% от всех платежей этого клиента. стать партнером
    • Возврат средств

      • В течение пяти дней после оплаты хостинга, мы вернем средства в полном объеме если в этом возникнет необходимость. Средства за неиспользованные услуги могут быть возвращены в течение всего срока действия услуг. подробности

  • Criminal Justice Careers #criminal #justice #schools #in #nj


    Criminal Justice Careers

    Pursuing a Master’s degree in Criminal Justice could open up endless career opportunities. Many individuals choose to pursue a Master’s in order to change their careers, advance in their careers, gain lifelong knowledge, or increase their salary in their current positions. No matter what your motive is, there is always room for growth and opportunity. Although you may like your current job, you may find that upon completion of a Master’s program, you will be presented with a wide array of career opportunities in the criminal justice field.

    Ranging from careers in the courtroom to those alongside the president, a Master’s in Criminal Justice degree may be your stepping stone towards a career as a Central Intelligence Agency (CIA) agent or a private investigator. Below, you’ll find a number of professions that you may want to pursue. Choose one of the career titles to learn more about profession, the typical requirements to enter the profession, and the average salary.

    • ATF Agent
      ATF agents control and monitor the sale, handling and usage of alcohol, tobacco products, firearms and explosives n the United States, but they are actually employed by the U.S. Read More
    • CIA Agent
      The lives and careers of CIA agents are often glamorized in movies and novels, but the reality is that CIA agents must sacrifice a lot for their work. Read More
    • Coast Guard
      Members of the U.S. Coast Guard, also called “Coasties,” are a part of the U.S. Armed Forces, under the U.S. Department of Homeland Security. Read More
    • Compliance Officer
      Compliance officers work in a variety of fields and are responsible for making sure that the department or company that they are overseeing adheres to specific quality and ethics standards in order to protect them from scandals, lawsuits and customer complaints. Protecting the safety of the public is also a responsibility of compliance officers, as unethical behavior can diminish the quality and effectiveness of the company’s products or services. Read More
    • Computer Forensics
      A computer forensic scientist or technician is still considered a cutting edge profession in the criminal justice field. With the increase of cybercrime, cyberterrorism, identity theft, and Internet child predators, computer forensic scientists are needed to track seemingly traceless criminals. Read More
    • Corrections Officer
      Corrections officers, because of the dangerous and stressful nature of their jobs, must be quick decision makers, vigilant, calm, and authoritative. Read More
    • Crime Scene Investigator
      Crime scene investigators have gotten a lot of publicity in TV dramas like CSI, but their job description is much more specific than managing an entire case. Read More
    • Criminalist
      A criminalist, also known as a forensic scientist, is a highly trained professional that assists investigators and the criminal justice system prepare investigations, gather and analyze evidence, and convict criminals. Read More
    • Criminologist
      Criminologists study a variety of tangible and intangible factors that contribute to crime statistics, including demographics, social behavior, criminal behavior and psychology, and statistics. Read More
    • Customs Agent
      Customs agents are federally employed professionals who monitor the importation of illegal contraband like drugs and weapons. Daily activities include searching airplanes or ships, as well as individual passengers. Read More
    • DEA Agent
      DEA Special Agents are specifically trained officers dedicated to enforcing the Controlled Substances Act. Read More
    • FBI Agent
      The FBI is the federal law enforcement that protects the United States against acts of terrorism, federal crimes, civil rights infringements, corruption and violent acts of crime. Read More
    • Forensic Scientist
      Forensic science combines knowledge of the physical and natural sciences with criminal justice and the legal system. Read More
    • Forensic Psychologist
      Forensic psychology is a very specialized profession requiring many years of education and training. Read More
    • Homeland Security
      The United States Department of Homeland Security is a relatively new entity that was organized under President George W. Bush not long after the terrorist attacks at the Pentagon and World Trade Center. Read More
    • INS Agent
      Agents who work for the United States Immigration and Naturalization Service (INS) have responsibilities that range from deportation to managing international visitors to the United States to managing immigration files to working as part of a border patrol team. Read More
    • Law Enforcement
      Pursuing a career in law enforcement can take you in any number of directions, from homeland security to the police force to the correctional system to the legal and courts system. Read More
    • Police Detective
      Police detectives participate in many of the processes needed to apprehend and convict criminals, including visiting crime scenes, interviewing witnesses, interrogating suspects, managing evidence, consulting with prosecutors and criminal psychologists, and giving testimony in court. Read More
    • Police Officer
      Policer officers are entrusted with protecting the public from dangers in the community, from criminals to traffic accidents to property and domestic disputes to missing persons cases. Read More
    • Private Investigator
      Private investigators are hired by individuals to supplement the help given from a regular police force or to more subtly investigate another person’s behavior. Read More
    • Probation Officer
      Probation officers have the complicated job of managing numerous criminals and cases of individuals who were sentenced to probation and/or community service by a judge. Read More
    • Secret Service
      Special agents with the United States Secret Service are hired to protect high profile individuals and their families and to investigate financial cases like fraud and counterfeiting. Read More
    • Sheriff
      Sheriffs supervise police officers and the overall public safety plans of a county. Read More
    • US Marshal
      Federal U.S. Marshals are part of an elite law enforcement agency that specializes in protecting federal judges and federal courts, serving court documents, supervising federal elections, transporting prisoners, investigating and apprehending fugitives and more. Read More

    Other careers that might interest you

    • Criminologist
      Criminologists study a variety of tangible and intangible factors that contribute to crime statistics, including demographics, social behavior, criminal behavior and psychology, and statistics.
    • Police Officer
      Policer officers are entrusted with protecting the public from dangers in the community, from criminals to traffic accidents to property and domestic disputes to missing persons cases.
    • Us Marshal
      Federal U.S. Marshals are part of an elite law enforcement agency that specializes in protecting federal judges and federal courts, serving court documents, supervising federal elections, transporting prisoners, investigating and apprehending fugitives and more.

    View all career options

    Popular Online Schools

    • Xavier University
      The mission of the Department of Criminal Justice is to equip Master of Science students with the competence and conscience needed
    • Colorado Technical University
      Colorado Technical University is recognized as one of the most technologically advanced online universities.

    View all top schools

    2017 Masters in Criminal Justice. All Rights Reserved.

    Criminal defense attorney richmond va #criminal #defense #attorney #richmond #va


    Virginia Criminal Defense Attorney

    Aggressively defending the rights of the accused since 1979

    Being charged with a crime punctuates your future with one huge question mark. Your freedom, your career, your good name and even your life are at risk. You need a skilled Virginia criminal law attorney defending you. That attorney is David Whaley of David Whaley LLC in Richmond, Virginia.

    As a criminal defense attorney with 32 years of experience, I understand everything you have at stake. So when I take a case, I fight to win. I defend individuals in state and federal court against a range of criminal charges. including white collar crimes and drug offenses. During my career I have tried more than 350 cases before juries. I have been selected by Super Lawyers as one of the premier criminal defense attorneys in Virginia and I have been awarded the AV® Preeminent TM Peer Review Rating SM by Martindale-Hubbell® — an honor reserved for lawyers whose peers believe them to have the highest level of professional knowledge, skill and integrity.

    I also represent plaintiffs in personal injury cases. where I bring the same level of skill and tenacity to a civil lawsuit as I do to a criminal case.

    The best defense is a strong offense

    In a criminal case, the prosecution must prove a defendant’s guilt beyond a shadow of a doubt. I do not sit idly by while the prosecutor makes his or her case. Instead, I am proactive and aggressive in the way I build your defense. I am familiar with the judges, prosecuting attorneys and typical juries throughout the area and know what works for some and not for others. I use that knowledge to create a defense that sheds light on the weaknesses in the prosecution’s case.

    My clients can expect:

    A strategic defense — Building a successful defense is not just about innocence or guilt. It is about strategy. I never approach a case without a plan. From the moment you begin telling me about your legal issue, I listen carefully and analyze it — and each scrap of evidence — from every angle to determine the best way to undermine the prosecution’s case against you.

    Thorough preparation — I am invested in the outcome of every case I take. I put in the hours and the effort to ensure there are no surprises from the prosecution. On the rare occasions when the unexpected occurs or a situation changes rapidly, I am able to adjust just as quickly and continue protecting your rights and best interests.

    Personal service — I pride myself on being available for my clients whenever they need me. So if you call my office at any time of day, any day of the year — including weekends and holidays — you reach me. I keep you updated on the status of your case so you and your loved ones are not left wondering and worrying unnecessarily. If you want to meet with me in person to discuss your case, appointments are not required. I take all clients on a first-come, first-served basis.

    Serving clients in Richmond and beyond

    From my office conveniently located near the intersection of North 1 st Street and East Franklin Street in downtown Richmond, I represent clients in federal and state courts throughout Virginia and have represented clients in federal court throughout the United States.

    I offer a free initial consultation. Saturday and Sunday appointments are available upon request.

    Let David Whaley LLC fight for you

    Every individual has the right to a strong defense. At the Richmond, VA criminal defense law firm of David Whaley LLC, every client is treated with the same level of respect and attention, regardless of the size of your case. Contact me online or call my office at 804-643-0147 to discuss your criminal defense or plaintiff’s personal injury case today.

    Criminal Defense

    MAMAC Systems, Incorporated #mamac,sensors,transducers,controls,humidity #sensors,pressure #sensors,air-conditioning,hvac,temperature #sensors


    Maverick Web Enabled Appliances for Energy/Water Metering,
    Data Logging/Archiving, Control & Thermostats
    for Air Handlers & Heat Pumps

    MAMAC Systems is a leading global manufacturer of sensors, transducers, control peripherals and web browser based IP Appliances. MAMAC products are used for HVAC and environmental controls, remote monitoring alarming, energy metering, and industrial automation.

    MAMAC Systems was established in 1981 and pioneered the HVAC environmental controls, energy management and light industrial automation markets. The Company was the first to introduce a low cost, solid state precision line of temperature, humidity, pressure, flow and current sensors. Since its inception, MAMAC Systems has established a track record of innovations.

    To serve the global market, the company has wholly-owned subsidiaries world wide and maintains a multi-million dollar inventory of finished products at multiple locations. Majority of the sales are to large commercial and industrial original equipment manufacturers. A large portion of sales are exported to Asia, Middle East, Europe Australia.

    All MAMAC Products are manufactured in the USA.

    New Sensors

    HU-227 | Outside Air Humidity Temperature Sensor more

    HU-921 | OEM Humidity Sensor more

    A-523 | Room Pressure Pick Up more

    TE-701BX | VAV Discharge Air Temp Sensor more

    New Mavericks

    SM-101 | Sub Metering Appliance more

    MT-101 | Web-Enabled Thermostat more

    MT-201 | Web-Enabled Thermostat 2-Stage more

    Case Studies

    Hennepin County Library | Library System Discovers New HVAC Tool more

    Grove City College College Finds Solution for Remote Building Monitoring and Control more

    Sonoma Grille | Pittsburgh Restaurant Cooks Up A Solution more

    Magic Carpet Care Somerset West – All over Cape Town, Helderberg, Stellenbosch, etc #drying #wet #carpet


    • Quality DRY cleaning of carpets using advanced techniques.
    • Wool, sisal, coir, persians, oriental etc. Fitted and loose carpets.
    • Steam cleaning of upholstery and shaggy rugs as appropriate.
    • Wet and DRY cleaning of mattresses, area rugs, as appropriate.

    “We have generators in our vehicles in case of power cuts”

    A water based or “ steam cleaning ” process is used for upholstery, mattresses etc. We also clean Quartz Carpet flooring and tiles. All work conforms to the standards of SABS 0245.

    What is DRY carpet cleaning. Well, everybody understands wet-wipes . It works on the same principle.
    We use a product called DRI-MAX which is an advanced formula, made up of tiny granules of plastic sponge moistened with a soft shampoo, conditioning agents, and quick-drying alcohol (IPA). This is applied with a brushing machine that works deep into the pile of the carpet, until each strand is clean and conditioned. The tiny sponges absorb all the loosened dirt and grime as the alcohol quickly dries. To finish, the soiled and now-dry sponges are vacuumed up, leaving the carpets fresh and clean.

    Bacteria, dust mites or fleas etc. are effectively removed.
    **Our fresh new formula neutralises odours**

    We use this process to clean almost any type of fitted or loose carpets, persians , coir, sisal, wool, and other natural fibres.

    Contact Us

    Unit No 5 100 Victoria Street
    Somerset West, Cape Town


    Follow Us

    Air Conditioning Repair in Mobile, AL and Saraland, AL #air #conditioner #repair #mobile #al


    Air Conditioning Repair in Mobile, AL

    In Mobile, Saraland, and Baldwin County, Alabama, residents can’t risk an out-of-commission air conditioner during our hottest months. When you’re in need of air conditioning repair, turn to ECO STRONG for service you can count on.

    Air Conditioning Repair: Avoid hot weather problems

    Air conditioner troubles won’t help you keep your cool in the Alabama heat. Every summer, we hear from many residents in need of air conditioning repair to keep their homes comfortable during the spring, summer, and fall. Air conditioning repair needs can be major or minor, and often depend on how long your air conditioner has been operating with issues present.

    Air Conditioning Repair: Signs you may need it

    The best thing you can do to protect your system and reduce your need for air conditioning repair is to schedule annual air conditioner maintenance, and be on the lookout for troublesome symptoms that indicate the need for air conditioning repair. Some symptoms are obvious, and you’ll notice them right away, while others are more subtle and worsen over time.

    When your air conditioner is on, keep an eye out for these common air conditioning repair warning signs:

    • Your air conditioner won’t turn on when thermostat settings are lowered below the current temperature.
    • The air coming from your registers isn’t very cool.
    • Your air conditioner has to cycle longer to keep your home cooler.
    • The air conditioner unit is noisier than it used to be or is making new noises.
    • There isn’t enough air flow coming through your registers.

    If you suspect your system is in need of air conditioning repair, don’t wait to schedule service. Call the experts at ECO STRONG immediately for quality repair service that can protect your system and keep your family comfortable.

    How much does air conditioning repair cost in Mobile?

    The cost of air conditioning repair in Mobile will vary based on the type and extent of the repairs required to fix your air conditioning equipment. ECO STRONG is available to handle all your air conditioning needs. Contact us today for your free estimate, and check out our financing and specials pages.

    Additional Air Conditioning Services

    ECO STRONG is determined to serve the needs of residents in Mobile, Saraland, and Baldwin County, Alabama, providing dedicated installation and service of air conditioning, heating, indoor air quality, and power systems. We pride ourselves on our honesty, integrity, and dependability and strive to ensure those qualities are shown to our valued customers on every job.

    Criminalising identity theft #aggravated #identity #theft


    12. Identity Theft

    Federal legislation

    12.11 Currently, identity theft is not a federal offence in Australia. There are, however, numerous federal offence provisions that can be used to prosecute offenders who use illicitly acquired personal information when engaging in certain activities. These include offence provisions in the Criminal Code (Cth), [21] as well as in other pieces of federal legislation, such as the Financial Transaction Reports Act 1988 (Cth) [22] and the Migration Act 1958 (Cth). [23]

    12.12 In 2000, the House of Representatives Standing Committee on Legal and Constitutional Affairs concluded that the offences to be inserted into the Criminal Code (Cth) by the Criminal Code Amendment (Theft, Fraud, Bribery and Related Offences) Act 1999 (Cth) dealt adequately with criminal conduct related to identity fraud. [24]

    12.13 Nevertheless, in 2004 a new Part containing ‘financial information offences’ was inserted into Chapter 10 of the Criminal Code. [25] Accordingly, it is now a federal offence dishonestly to obtain or deal in personal financial information without the consent of the person to whom the information relates. [26] The definition of ‘personal financial information’ is broad and includes all information relating to a person that may be used, alone or in conjunction with other information, to access funds, credit or other financial benefits. [27]

    12.14 The financial information offences in the Criminal Code were intended to address credit card skimming—the illicit capturing or copying of legitimate credit card data [28] —and internet banking fraud. [29] They appear, however, to be broad enough to cover many instances of identity theft.

    12.15 In March 2008, the Model Criminal Code Law Officers Committee released a report on identity crime. [30] Using the term ‘identity crime’ to refer to practices including identity theft and identity fraud, the Committee recommended the creation of three identity crime model offences that relate to:

    dealing in identification information;

    possession of identification information with the intention of committing, or facilitating the commission of, an indictable offence; and

    possession of equipment to create identification information, in certain circumstances. [31]

    12.16 At the time of writing in April 2008, the Standing Committee of Attorneys-General had agreed to prepare a review paper examining the implementation priorities of the Committee’s report. [32]

    State and territory legislation

    12.17 In the majority of Australian states and territories, it is not an offence to assume or adopt another person’s identity. There are, however, numerous state and territory offences that can be used to prosecute offenders who use illicitly obtained identity information to commit criminal offences. [33]

    12.18 In some circumstances, however, identity theft is a criminal offence in South Australia. Section 144B of the Criminal Law Consolidation Act 1935 (SA) makes it an offence to assume the identity of another person (whether living or dead, real or fictional, natural or corporate) with the intent to commit, or facilitate the commission of, a ‘serious criminal offence’. [34] Section 144C makes it an offence to use the ‘personal identifying information’ of a living or deceased person, or a body corporate, with the intent to commit, or facilitate the commission of, a serious criminal offence. In March 2007, similar offence provisions were enacted in Queensland. [35]

    Other jurisdictions

    12.19 In October 1998, the United States Congress passed the Identity Theft and Assumption Deterrence Act of 1998 (US). This Act makes it a federal offence, punishable by up to 15 years imprisonment or a fine of US$250,000, to

    knowingly transfer or use, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable state or local law’. [36]

    12.20 The Identity Theft Penalty Enhancement Act of 2004 (US) establishes penalties for the offence of aggravated identity theft. [37] Identity theft is also an offence in the vast majority of states in the United State s. [38]

    12.21 In the United Kingdom it is also an offence, with some exceptions, to obtain, disclose or procure the disclosure of personal data without the consent of the data controller. [39] This offence provision could be used to prosecute those who engage in identity theft. The Identity Cards Act 2006 (UK) makes it an offence to possess or control false identity documents, including genuine documents that belong to another person. [40]

    [21] See, eg, Criminal Code (Cth) ss 134.1 (obtaining property by deception), 134.2 (obtaining a financial advantage by deception), 135.1 (general dishonesty), 135.2 (obtaining financial advantage), 135.4 (conspiracy to defraud).

    [22] See, eg, Financial Transaction Reports Act 1988 (Cth) s 24 (opening account, etc in false name).

    [23] See, eg, Migration Act 1958 (Cth) s 234 (false papers etc).

    [24] Parliament of Australia—House of Representatives Standing Committee on Legal and Constitutional Affairs, Advisory Report on the Criminal Code Amendment (Theft, Fraud, Bribery and Related Offences) Bill 1999 (2000), [3.8]–[3.10].

    [25] Crimes Legislation Amendment (Telecommunications Offences and Other Measures) Act (No 2) 2004 (Cth) sch 3.

    [28] Model Criminal Code Officers Committee of the Standing Committee of Attorneys-General, Discussion Paper, Model Criminal Code Chapter 3, Credit Card Skimming Offences (2004), 1. This Committee has recently been renamed the Model Criminal Law Officers Committee.

    [29] Commonwealth, Parliamentary Debates. House of Representatives, 4 August 2004, 32035 (P Slipper), 32036–32037.

    [30] Model Criminal Law Officers’ Committee of the Standing Committee of Attorneys-General, Final Report—Identity Crime (2008).

    [32] Standing Committee of Attorneys-General, ‘Communiqué’ (Press Release, 28 March 2008).

    [33] See R Smith, ‘Examining the Legislative and Regulatory Controls on Identity Fraud in Australia’ (Paper presented at Marcus Evans Conferences, Corporate Fraud Strategy: Assessing the Emergency of Identity Fraud, Sydney, 25–26 July 2002).

    [34] A ‘serious criminal offence’ is an indictable offence or an offence prescribed by regulation: see Criminal Law Consolidation Act 1935 (SA) s 144A.

    [35] The Criminal Code and Civil Liability Amendment Act 2007 (Qld) s 6 inserts a new section into the Criminal Code Act 1899 (Qld), which in certain circumstances makes it an offence to obtain or deal with identification information: Criminal Code Act 1899 (Qld) s 408D.

    [36] Identity Theft and Assumption Deterrence Act of 1998 18 USC § 1028 (US).

    [37] Identity Theft Penalty Enhancement Act of 2004 18 USC § 1001 (US)

    [38] United States Government Federal Trade Commission, State Laws: Criminal at 1 May 2008.

    [39] Data Protection Act1998 (UK) s 55.

    Top Universities in Ukraine #top #rated #online #colleges #and #universities


    Top Universities in Ukraine

    2017 Ukrainian University Ranking

    This webpage provides a Custom Search Engine to search for courses, programs or other higher education-related information provided by officially recognized/accredited Ukrainian Universities, Colleges or other higher education institutions offering at least four-year undergraduate degrees, such as bachelor degrees, and/or graduate degrees in a traditional, non-distance education format. This webpage also includes our exclusive web metrics based 2017 Ukrainian University Ranking. sometime also referred to as League Table. of all Universities in Ukraine satisfying the above minimum requirements. The aim of our University Ranking, or League Table, is to provide an approximate non-academic ranking of all Ukrainian higher education institutions based on the popularity of their official websites. The ranking is not intended to identify the best Universities in Ukraine and should not be adopted as the main and only criteria for selecting a higher education institution where to enroll. For a better understanding of our mission and University Ranking Methodology please visit the About Us page. We strongly encourage University representatives to help us by reporting errors or updating, free of charge, their entire University profile.

    Transferring your Certification from Missouri to Another State – Teacher Certification Office – Missouri State University #teaching #certificate #kansas


    Teacher Certification Office Resources

    Transferring your Certification from Missouri to Another State

    Once you have completed one of our DESE and NCATE approved teacher certification programs and have earned your Missouri Teachers Certificate, you can then begin the process of transferring that certification to another state. If you know ahead of time that you will be moving from Missouri to another state, we recommend that you check with the Department of Education in that state prior to enrollment in any of our programs to make sure that this certification will transfer from Missouri to your state. While some states will accept a valid Missouri Teaching Certificate in transfer with no additional coursework or tests, other states may require additional coursework, tests or both.

    Because the transfer process varies from state to state, please contact the Department of Education in the state to which you are transferring for more details on the transfer of your certification. Most states will require that you complete an “Out of State” packet that will include a copy of your teaching certificate, official transcripts, a completed application, verification of tests taken (ACT, MoGEA, MoCA, etc.) and an “Institutional Verification Form”. If your state requires that the institution where you completed your program complete an Institutional Verification Form, please send that form to:

    Teacher Certification
    Missouri State University
    901 S. National Ave.
    Springfield, MO 65897

    Please include detailed instructions including:

    • Your name, address and phone number (if not on the form)
    • Instructions describing where you want the form sent. Some states require that the form be sent directly to the State Department of Education. Other states require that all materials be sent to the applicant and sent to the State in one complete packet.

    If you have further questions regarding transfer of certification to another state, please contact the appropriate State Education Department listed below:

    State Contact Information

    Critics’ Choice Awards 2017 nominees announced #critics # #choice #awards, #critics # #choice #awards #2017


    Critics’ Choice Awards 2017 nominees announced

    The Critics’ Choice Awards have announced this year’s film nominees, with La La Land, Moonlight, and Arrival leading the way.

    Damien Chazelle’s lavish musical La La Land topped the list with a whopping 12 nominations, including Best Picture, Best Actor (Ryan Gosling), Best Actress (Emma Stone), Best Director, and two separate nominations for Best Song. (Gosling also scored a second nomination for Best Actor in a Comedy for The Nice Guys. )

    Moonlight and Arrival tied for second place with 10 nods apiece, including Best Picture, Best Actor, and Best Screenplay — Moonlight for original screenplay, Arrival for adapted.

    Other big nominees include awards season favorites like Manchester by the Sea, Fences, and Jackie, while Captain America: Civil War, Deadpool, and Doctor Strange cleaned up in the action movie categories.

    Presented by the Broadcast Film Critics Association and the Broadcast Television Journalists Association, the Critics’ Choice Awards can help indicate which films will go on to win big at the Academy Awards. Over the last 10 years, the film that won best picture at the Critics’ Choice Awards has gone on to win at the Oscars eight out of 10 times.

    This year’s awards, presented in partnership with Entertainment Weekly. will air live on Dec. 11 at 8 p.m. ET on A E. Be sure to tune in early to catch the Critics’ Choice Awards Nomination Special at 6 p.m. ET and the Critics’ Choice Red Carpet Live at 7 p.m.

    See the full list of film nominees below, and head here to check out the TV nominations.

    Hell or High Water

    Manchester by the Sea

    Casey Affleck – Manchester by the Sea

    Joel Edgerton – Loving

    Andrew Garfield – Hacksaw Ridge

    Ryan Gosling – La La Land

    Tom Hanks – Sully

    Denzel Washington – Fences

    Amy Adams – Arrival

    Annette Bening – 20th Century Women

    Isabelle Huppert – Elle

    Ruth Negga – Loving

    Natalie Portman – Jackie

    Emma Stone – La La Land


    Mahershala Ali – Moonlight

    Jeff Bridges – Hell or High Water

    Ben Foster – Hell or High Water

    Lucas Hedges – Manchester by the Sea

    Dev Patel – Lion

    Michael Shannon – Nocturnal Animals


    Viola Davis – Fences

    Greta Gerwig – 20th Century Women

    Naomie Harris – Moonlight

    Nicole Kidman – Lion

    Janelle Monáe – Hidden Figures

    Michelle Williams – Manchester by the Sea


    Lucas Hedges – Manchester by the Sea

    Alex R. Hibbert – Moonlight

    Lewis MacDougall – A Monster Calls

    Madina Nalwanga – Queen of Katwe

    Sunny Pawar — Lion

    Hailee Steinfeld – The Edge of Seventeen


    20th Century Women

    Hell or High Water

    Manchester by the Sea

    Damien Chazelle – La La Land

    Mel Gibson – Hacksaw Ridge

    Barry Jenkins – Moonlight

    Kenneth Lonergan – Manchester by the Sea

    David Mackenzie – Hell or High Water

    Denis Villeneuve – Arrival

    Denzel Washington – Fences


    Damien Chazelle – La La Land

    Barry Jenkins — Moonlight

    Yorgos Lanthimos/Efthimis Filippou – The Lobster

    Kenneth Lonergan – Manchester by the Sea

    Jeff Nichols – Loving

    Taylor Sheridan – Hell or High Water


    Luke Davies – Lion

    Tom Ford – Nocturnal Animals

    Eric Heisserer – Arrival

    Todd Komarnicki – Sully

    Allison Schroeder/Theodore Melfi – Hidden Figures

    August Wilson – Fences

    Stéphane Fontaine – Jackie

    James Laxton – Moonlight

    Seamus McGarvey – Nocturnal Animals

    Linus Sandgren – La La Land

    Bradford Young – Arrival


    Arrival – Patrice Vermette, Paul Hotte/André Valade

    Fantastic Beasts and Where to Find Them – Stuart Craig/James Hambridge, Anna Pinnock

    Jackie – Jean Rabasse, Véronique Melery

    La La Land – David Wasco, Sandy Reynolds-Wasco

    Live by Night – Jess Gonchor, Nancy Haigh

    Tom Cross – La La Land

    John Gilbert – Hacksaw Ridge

    Blu Murray – Sully

    Nat Sanders/Joi McMillon — Moonlight

    Joe Walker – Arrival


    Colleen Atwood – Fantastic Beasts and Where to Find Them

    Consolata Boyle – Florence Foster Jenkins

    Madeline Fontaine – Jackie

    Joanna Johnston – Allied

    Eimer Ni Mhaoldomhnaigh – Love Friendship

    Mary Zophres – La La Land


    Fantastic Beasts and Where to Find Them

    Star Trek Beyond


    A Monster Calls

    Fantastic Beasts and Where to Find Them

    What to Watch This Weekend: Bryan Cranston breaks bad again

    Critical Mass: ‘Hidden Figures’ shines, ‘Underworld’ sequel a bloody mess

    Carrie Fisher memorial: ‘Everyone was singing’ at emotional tribute

    Best of 2016: Inside the making of David Bowie’s final album

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    1 Steve Buscemi is knifed; Vince Vaughn is maced

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  • PPT – Sexual Harrassment PowerPoint PowerPoint presentation #harassment, #sexual #harassment, #sexual #harassment #presentation, #sexual #harassment #policies, #sexual #harassment #at #work, #flash, #ppt, #powerpoint, #presentation, #slideshow, #slide #show, #free


    Sexual Harrassment PowerPoint – PowerPoint PPT Presentation

    Transcript and Presenter’s Notes

    Title: Sexual Harrassment PowerPoint

    Sexual Harassment2013
    Stoplight Diagram
    Stop! No Means No!
    Caution! Borderline Sexual Harassment!
    Safe Behavior!
    Program Objectives (1 of 2)

    • Describe what sexual harassment is
    • Differentiate between sexual harassment and being
    • Understand the federal (and state?) laws that
      deem sexual harassment a crime.

    Program Objectives (2 of 2)

    • Learn there consequences if you are found guilty
      of committing this crime.
    • What you can do if you observe and/or experience
      sexual harassment.
    • How to prevent sexual harassment in your

    Definition (1 of 2)

    • Define Sexual Harassment
    • Websters Dictionary uninvited and unwelcome
      verbal or physical behavior of a sexual nature
      especially by a person in authority toward a
      subordinate (such as an employee or student).
    • Sexual advances, favors, and/or verbal or
      physical conduct of sexual nature.

    Definition (2 of 2)

    • Define Sexual Harassment
    • Violation of both state and federal law illegal
      under Title VII of the Civil Rights Act of 1964
      for employees prohibits employment
      discrimination based on race, sex, color,
      national origin or religion.

    Warning Signs?
    Warning Signs? (2 of 5)

    • Inappropriate Behavior Such As
    • Explicit videos, pictures, calendars, screen
      savers, websites.
    • Unwelcome flirting.
    • Insisting on dates.

    Warning Signs? (3 of 5)

    • Behaviors Manager/Coworkers
    • Hostility between coworkers.
    • Lack of friendship amongst coworkers.
    • Complaints regarding the opposite sexes actions.
    • Women who act defensively/angrily toward the
      opposite sex.

    Warning Signs? (5 of 5)

    • Inappropriate Physical Content
    • Purposeful touching or cornering.
    • Forceful neck massages.
    • Sexual intercourse with coworkers/managers.

    Sexual Harassment (NOT)

    • Appropriate Behaviors
    • Compliments pertaining to ones performance.
    • Being courtesy, i.e. opening the door for
      someone, saying, please and thank you.
    • Lunch or dinner dates that are mutual and/or

    Types of Sexual Harassment
    Complaint Procedure
    (No Transcript)

    • Download Sexual HarassmentPowerPoint
      presentation at
    • 162 slides include 3 points on the definition of
      sexual harassment, 5 points on who can be a
      victim or harasser, 7 types of sexual harassment,
      16 warning signs, 27 points on the types of
      sexual harassment, 29 points on classes of sexual
      harassers, 22 points on harassers and victims, 7
      points on hostile work environments, 47 points on
      complaint procedures, 26 points on case studies,
      17 statistics and quotes, 7 points on what to do
      if accused, 10 phrases that are dangerous, 9
      questions to ask yourself when assessing sexual
      conduct, 49 points on effects of sexual
      harassment charges, 38 points on sexual
      harassment in other countries, 16 action steps
      and much more!
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    Locksmith Marietta GA #locksmith #marietta #ga,marietta #locksmith,locksmith #in #marietta #ga,lock,key,car #locksmith,locksmiths,emergency #locksmith #marietta, #marietta #georgia,


    Marietta Locksmith & Security

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    Using Your Credit Cards for Cash Advances Before Bankruptcy #business #cash #advances


    Using Your Credit Cards for Cash Advances Before Bankruptcy

    If you’re having financial difficulties and you have available credit on your credit cards, it may be tempting to take out a cash advance to float your budget a little while longer. However, taking out a cash advance could cause you problems if you end up filing bankruptcy afterward.

    Credit Card Debt in Bankruptcy

    Credit card debt is generally dischargeable in bankruptcy. This means that if you obtain a bankruptcy discharge, you will no longer be responsible for your credit card debt. (To learn more about what happens to credit card debt in bankruptcy, see Credit Card Debt Bankruptcy .)

    However, if your credit card debt meets certain criteria, the credit card company can file an adversary proceeding within your bankruptcy case asking the court to make the debt nondischargeable. (To learn more, see our topic on Adversary Proceedings in Bankruptcy .)

    When the Court Presumes That Your Cash Advance Should Not Be Discharged

    If you take out cash advances on one credit card that total more than $950 (as of April 2016) within the 70-day period before you file your bankruptcy, bankruptcy law presumes that the debt is nondischargeable. If your credit card company files a a complaint for nondischargeability, you will have to overcome that presumption. To do so, you’ll have to prove to the court that you did not intend to defraud the creditor when you took out the cash advances. Generally that means showing that you intended to repay the debt and that you did not take the money out thinking you could just discharge the debt in your bankruptcy case.

    Cash Advances Might be Nondischargeable Even Without the Presumption

    Even if the time period and total cash advance amount requirements are not met, a creditor can still sue you in your bankruptcy if you take out cash advances before you file bankruptcy if it can prove you did so with the intent to defraud the creditor.

    Example 1. Angela wanted to buy a formal dress for her cousin’s wedding. She found a dress in a classified ad that she liked, but the seller would only accept cash. Angela did not have any money in the bank, so she took a cash advance from her credit card to pay for the dress, which was $500. She filed bankruptcy ten days later. The presumption of fraud does not arise, because the cash advance was less than $950; however, the creditor can still file a nondischargeability complaint. The creditor will simply have to prove that Angela intended to defraud.

    Example 2. Kate knew she had to file bankruptcy, because she could not handle her debt load. However, she wanted to attend her friend’s bachelorette party, and she needed money. She withdrew a $600 cash advance from her credit card, figuring she wouldn’t have to repay it if she filed bankruptcy. She did file bankruptcy 80 days later without repaying any of the money. Her credit card company can sue her for fraud, and if it can prove she took out the money with no intent to repay and with intent to discharge the debt in bankruptcy, she will not be able to discharge the debt.

    Example 3. Anne was in a lot of debt, but she was managing it as best she could, although barely. She hadn’t paid her car loan in two months. Her grandmother died, and she needed to buy plane tickets to go to the funeral. She took a cash advance of $1,000 from her credit card to pay for the tickets and for her rental car. When she was paid the following week, she paid $50 towards the debt. Two weeks later, she received a notice that her car was about to be repossessed. Anne quickly filed Chapter 13 bankruptcy to prevent her car from being taken. The credit card company filed a nondischargeability action for the cash advance. Anne may be able to overcome the presumption of fraud by proving that she intended to repay the debt and did not take the cash advance in anticipation of bankruptcy – she made a payment on the debt, and she only filed bankruptcy under threat of repossession.

    Get debt relief now.

    Schools with Fire Engineering Degrees: How to Choose #fire #engineering #degree, #schools #with #fire #engineering #degrees: #how #to #choose


    Schools with Fire Engineering Degrees: How to Choose

    Firefighters and people interested in fire protection can pursue studies in fire protection and safety engineering. Fire engineering is a constantly developing field of study that involves fire suppression, fire protection, and the reduction of safety risks. Programs in fire engineering are available on-campus and online at the undergraduate and graduate levels.

    Show Me Schools

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    Fire engineering programs are offered at a variety of public and private universities. They are available at both the undergraduate and graduate degree levels.

    10 Fire Engineering Schools

    The following schools offer fire engineering programs:

    School Selection Criteria

    Programs in fire engineering are usually found at 4-year schools. There are many considerations for a student in search of a fire engineering program, including the following:

    • Prospective students with scheduling commitments may want to look for online programs with asynchronous learning; these are commonly available at the bachelor’s and master’s degree levels.
    • It can be helpful to find out about the school’s facilities when looking for programs. Some schools have state-of-the-art fire simulation labs.
    • Prospective graduate students who are considering research-focused programs should look for schools where there are faculty members with whom they share research interests, as they may act as faculty advisors.
    • Students may want to look for programs that are accredited by the Accreditation Commission of the Accreditation Board for Engineering and Technology (ABET), or the International Fire Service Accreditation Congress (IFSAC).

    Associate’s Degree Programs

    A few schools offer associate’s degree programs in fire engineering technology. These programs introduce students to the basics of fire protection systems design, investigation and administration. Students may also be required to complete an internship, and they must fulfill general education requirements before they can graduate. Upon completion, graduates are prepared for entry-level fire engineering technician positions, or they may advance to a bachelor’s degree program in fire engineering.

    Bachelor’s Degree Programs

    Bachelor’s degree programs in fire engineering provide a comprehensive overview of the field, covering topics such as fire prevention, fire suppression, fire protection, and safety measures. Some programs prepare students for relevant industry certification exams, such as the Paramedic or Fire Inspector exam. Most programs take four years to complete, but some are offered online in accelerated formats.

    Master’s Degree Programs

    Master’s degree programs in fire engineering give students the chance to pursue advanced studies in this highly interdisciplinary field. They include both theoretical and practical courses in topics such as structural behavior and material testing methods. Depending on the school, students may be able to choose between thesis- and non-thesis options.

    Doctoral Degree Programs

    Individuals who want to conduct advanced research in the field of fire engineering can find a few schools that offer PhD programs in the field. In these programs, students undertake high-level research in a particular area of interest, such as fire suppression, building fire safety, fire detection, explosion protection or fire dynamics. PhD programs culminate in a doctoral dissertation.

    Graduate Certificate Programs

    Experienced engineers who want to pursue advanced studies in fire engineering without committing to a full master’s degree programs may earn a graduate certificate in the field. Some certificate programs focus more heavily on the scientific aspects of fire engineering, while others emphasize the real-world applications of studies in the field.

    Fire engineering programs are available at both the undergraduate and graduate degree levels. Students should consider the school’s facilities and their career goals when choosing between programs.

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    Logistics Company: Albany, Capital District, Malta, Hudson Valley #arnoff #moving # # #storage, #logistic, #logistics, #services, #solutions, #provider, #company, #companies


    Logistic Solutions

    Whether it’s transporting high-value products securely and efficiently, providing delivery services, or any other logistical assignment, Arnoff Global Logistics has you covered. In addition to an expert staff and large fleet of moving vehicles, we operate with the most state-of-the-art technology on the market. Strategizing and executing a once impossible move is every day business here at Arnoff.

    With these specialized equipment and techniques, we can ship just about anything anywhere in the world. You can trust in Arnoff Global Logistics for the secure and incident-free transport of your high-value products as well as the coordination of complicated and intricate moving scenarios. We are always up for a challenge and promise the best customer service in the industry.

    Please select from the following list of Services:

    High Value Products Moving
    Sensitive items, such as computers, equipment, art treasures, antiques, trade show exhibits and fine furniture require special handling and care when being moved. We promise your items will arrive in the exact same condition.

    Semiconductor FAB Equipment / Clean Room Moving
    If your business is considering setting up or moving a semiconductor fabrication facility, or even just one tool, Arnoff Global Logistics can get it up and running. Our crews know what it takes to relocate the expensive fabrication, assembly and testing equipment crucial to your operations.

    Fine Art Shipping and Storage
    Fine art moving and storage is one of our specialties at Arnoff Global Logistics. From precious pieces of fine art to priceless sculptures and antiques, you will feel confident when you turn to the Arnoff family for decades of experience and excellence.

    Heavy Hauling Rigging
    As industrial rigging specialists, Arnoff provides innovative solutions to complex lifting and transportation challenges. Arnoff’s Atlantic Coast Movers Riggers consistently satisfy customers with their expertise and knowledge of moving the unusual.

    Laboratory and Medical Equipment Moving
    Moving invaluable, sensitive medical and lab equipment requires professional medical equipment movers who are trained specifically in this type of high-value shipping. When moving medical equipment, choose Arnoff for any size and scope requirement.

    First and Final Mile Delivery
    Many retailers and other companies have come to us for our punctual and professional first and final mile delivery. Your products will always be delivered on-time and by a trained professional who will represent your company well.

    International Freight Forwarding
    Depending on your shipment, getting from Point A to Point B may be too much for your business to handle. Our move coordinators will strategize the most optimal plan for your business and ensure its proper delivery.

    FF E Transportation Logistics
    We like to consider our FF E transportation logistics like an extension of our customer’s company. Our fluid and precise planning and execution are the byproduct of the best service and staff in the industry.

    Crating Services
    From on-site crating to specialty crating, the carpentry experts at Arnoff Global Logistics will build the exact crate for your needs. Our services are unsurpassed in quality and service and have been for decades.

    Warehousing and Distribution
    We are proud to service New York’s Hudson Valley, Massachusetts, Connecticut and the Fort Pierce area in Florida for their warehousing and distribution needs. We have over 100 trucks to meet all of your needs.

    Solar Equipment Moving
    As a green homeowner/business owner, you have invested time, effort, and money into your solar energy system. The relocation of this high-value equipment must only be entrusted to capable professionals who have experience in handling and moving such sensitive equipment.

    Museum Moving
    Arnoff Fine Art Services provides museums with relocation, packing, and storage services for their fine art and antique collections. We have handled priceless artwork from small and large museums – from one piece to an entire collection.

    Library Moving
    Arnoff also relocates libraries! We are featured in the following video showcasing the relocation of the Rudolf Steiner Library from the Carriage House in Harlemville, NY.

    Logistic Solutions High Value Products Semiconductor Equip Clean Room Fine Art Shipping & Storage Heavy Hauling Rigging Services Laboratory & Medical Equipment Moving Solar Equipment Moving Warehousing Distribution First & Final Mile Delivery International Freight Forwarding FF ?>