Loan

Credit News

American Education Services #refinancing #your #home


#how to calculate interest on a loan
#

Interest

Understanding the way interest accrues on your student loan is essential to understanding how your student loan works. Interest accrues on your student loan every single day. even if your account is not in repayment. Additionally, your payments satisfy only the interest currently accrued on the account; a payment cannot satisfy future interest.

For more on interest, read our Interest FAQ or view the current Interest Rate Charts .

Interest Accrual Formula

When you sign for your student loan, the amount you agree to pay for the disbursement check and all applicable loan fees becomes your principal balance. Your promissory note explains how interest accrues on that principal balance. We use a simple formula to calculate your daily interest accrual:

Interest rate x Current principal balance Number of days in the year = Daily interest

For example, Sara Student has a $10,000 current principal balance and 6% interest rate this year. Using the formula:

0.06 x $10,000 365 = 1.6438356 (Round to $1.64)

If this were a leap year:

0.06 x $10,000 366 = 1.639344 (Round to $1.64)

How Payments Apply to Interest vs. Current Principal Balance

Interest accrues on your student loan from the day the loan is disbursed until the day you make the very last payment. The best way for you to manage the amount you owe toward interest vs. principal is to make your payments regularly and on time. The easiest way to do this is to sign up for Direct Debit. which automatically processes your payments every month on the exact due date.

Depending on the owner of your student loan (the lender), we are required to apply payments in this order:

  • Accrued interest Late payment (if applicable) Current principal balance
  • Late payment (if applicable) Accrued interest Current principal balance

Whenever you make a payment, we count the number of days since we processed your last payment. Your new payment must first satisfy the amount of interest that accrued in this time. The remainder of your payment then counts toward the current principal balance. If your payment is late, we will pay off the late fee before we apply any funds to your current principal balance.


American Airlines Credit UnionEducation Loans #loans #for #cars


#education loans
#

There Should Never be a Limit on Learning

Achieve those education goals with the help of AA Credit Union. Take advantage of this open-end, variable rate loan with terms up to 120 months and amounts up to $40,000 . The interest rate is adjustable, quarterly, on the 1st business day of each quarter.

  • Education Line of Credit

Invest in the future with an open-end variable rate Education Line of Credit Loan for private school, college or trade school expenses. We give you options that help you manage tuition, books, board all the expenses of secondary or private school, college and trade school.

As a member-owner you’ll receive these additional savings and services:

Minimum payment will never be less than $13 per month per $1,000 or any part thereof. Rates are based on your credit worthiness. Ask the Credit Union for details. Unless otherwise noted, the APR for variable rate loans will be based on the Prime Rate as published in the Wall Street Journal (Index) as of the day of the advance plus a margin. Rate changes based on changes in the Index will take effect on the next business day after the Index change is published. The APR (Annual Percentage Rate) on existing balances for Line of Credit Education Advance Loans will change quarterly on the first day of January, April, July, and October to reflect any change in the Index in effect on the last day of the previous quarter. Any change to the Annual Percentage Rate (APR) will affect your payment amount. No other discounts will apply. Click here for full fees and disclosures .


Online Sports Management Degrees – Certificates #american #public #university #system, #accredited #online #university, #american #public #university, #online #university #degree #programs, #online #education, #online #distance #learning #university, #apu, #online #degree #programs, #online #learning #institution, #online #university, #distance #education, #military #education, #continuing #education, #associate #degree, #bachelor’s #degrees, #master’s #degrees, #graduate #degree, #accredited #university #online #degree, #accreditation, #online #sports #management #programs, #online #sports #management #degrees #and #certificates, #online #sports #management #degrees, #online #sports #management #certificates


#

Online Degrees & Certificates in Sports and Management

Online Programs for Sports Management Professionals

Our University educates students in preparation for meeting the rigorous demands of the global and multibillion dollar sports industry. The sports management curriculum spans a broad array of industry-related concentrations and is designed with the sports management professional in mind.

The University continuously optimizes its curriculum in consultation with an experienced sports industry advisory council to ensure students learn relevant information and implementable strategies. The curriculum was formulated drawing from interdisciplinary studies such as law, finance, marketing, public relations, and organizational leadership as they pertain to sports.

Available Programs

Bachelor’s Degrees

Master’s Degrees

Graduate Certificates

Request Information

Complete this form and we’ll instantly email you more information about the University.

Ready to apply? Click here to get started.

We value your privacy.

By submitting this form, you agree to receive email, text, and phone messages from American Public University System, Inc. (which includes American Military University (AMU) and American Public University (APU)), its affiliates, and representatives. I understand that this consent is not a condition of enrollment or purchase.

Get Started With Online Learning

There is no fee to apply and the application process only takes 15-25 minutes.

Here’s how to get started:

Choose Your Program

Select your desired academic program from our 190+ degrees and certificates. If you are unsure which program is right for you, call us before you start the application: 877-755-2787.

Click on a degree level below to view all of our programs offered.

Associate Degrees

  • Accounting
  • Business Administration
  • Communication
  • Computer Applications
  • Counter Terrorism Studies
  • Criminal Justice
  • Database Application Development
  • Early Childhood Care and Education
  • Explosive Ordnance Disposal
  • Fire Science
  • General Studies
  • Health Sciences
  • History
  • Hospitality
  • Management
  • Military History
  • Paralegal Studies
  • Public Health
  • Real Estate Studies
  • Retail Management
  • Weapons of Mass Destruction Preparedness
  • Web Publishing

Bachelor’s Degrees

  • Accounting
  • Business Administration
  • Criminal Justice
  • Cybersecurity
  • Electrical Engineering
  • Emergency and Disaster Management
  • English
  • Entrepreneurship
  • Environmental Science
  • Fire Science Management
  • General Studies
  • Government Contracting and Acquisition
  • Health Information Management
  • History
  • Homeland Security
  • Hospitality Management
  • Human Development and Family Studies
  • Information Systems Security
  • Information Technology
  • Information Technology Management
  • Intelligence Studies
  • International Relations
  • Legal Studies
  • Management
  • Marketing
  • Mathematics
  • Middle Eastern Studies
  • Military History
  • Nursing (RN to BSN)
  • Philosophy
  • Political Science
  • Psychology
  • Public Health
  • Religion
  • Retail Management
  • Reverse Logistics Management
  • Security Management
  • Sociology
  • Space Studies
  • Sport and Health Sciences
  • Sports Management
  • Transportation and Logistics Management

Master’s Degrees

  • Accounting
  • Business Administration
  • Criminal Justice
  • Cybersecurity Studies
  • Master of Education in Educational Leadership
  • Master of Education in Teaching
  • Emergency and Disaster Management & Homeland Security
  • Emergency and Disaster Management
  • Entrepreneurship
  • Environmental Policy and Management
  • Health Information Management
  • History
  • Homeland Security
  • Humanities
  • Information Technology
  • Intelligence Studies
  • International Relations and Conflict Resolution
  • Legal Studies
  • Management
  • Military History
  • Military Studies
  • National Security Studies
  • Nursing
  • Political Science
  • Psychology
  • Public Administration
  • Public Health
  • Public Policy
  • Reverse Logistics Management
  • Security Management
  • Space Studies
  • Sports and Health Sciences
  • Sports Management
  • Transportation and Logistics Management

Undergraduate Certificate Programs

  • Cloud Computing
  • Computer Systems and Networks
  • Corrections Management
  • Counterintelligence
  • Cybercrime Essentials
  • Cybersecurity
  • Digital Forensics
  • E-Commerce
  • Emergency Management
  • Enterprise Web Applications
  • Enterprise Web Applications Using .Net
  • Environmental Technology
  • Explosive Ordnance Disposal
  • Family Studies
  • Fire Science
  • Fish and Wildlife Management
  • Forensics
  • Hazardous Waste Management
  • Homeland Security
  • Human Resource Management
  • Infant and Toddler Care
  • Information Security Planning
  • Information Systems Security Essentials
  • Instructional Design and Delivery
  • Intelligence Analysis
  • Internet Webmaster
  • IT Infrastructure Security
  • IT Project Management Essentials
  • Law Enforcement Leadership
  • Meeting and Event Planning
  • Microsoft Access Database Applications
  • Microsoft Office Applications
  • Military Leadership Studies
  • Mobile Computing
  • Oracle Database
  • Paralegal Studies
  • Public Lands Management
  • Real Estate Management
  • Regional and Community Planning
  • Restaurant Operations
  • Retail Management
  • Security Management
  • Space Studies
  • Strategic Leadership
  • Sustainability
  • Terrorism Studies
  • United Nations
  • Visual Basic Application Development
  • Visual Communications
  • Weapons of Mass Destruction Preparedness
  • Web 2.0
  • Web Publishing

Graduate Certificate Programs

  • American History
  • American Revolution Studies
  • Ancient and Classical History
  • Athletic Administration
  • Business Essentials for the Security Executive
  • Civil War Studies
  • Climate Change Awareness & Leadership
  • Competitive Intelligence
  • Counterintelligence
  • Criminal Justice
  • Cybercrime
  • Digital Forensics
  • Emergency and Disaster Management
  • Emergency Management Executive Leadership
  • Environmental Hazard Mitigation and Restoration
  • Environmental Planning and Design
  • Environmental Risk Assessment
  • Environmental Sustainability
  • European History
  • Executive Law Enforcement Leadership
  • Fish and Wildlife Management
  • Global Environmental Management
  • Homeland Security
  • Human Capital Leadership
  • Information Assurance
  • Information Systems Security
  • Intelligence Analysis
  • Intelligence Studies
  • IT Project Management
  • Joint Warfare
  • Leadership and Logistics
  • Logistics Management
  • Middle Eastern Studies
  • National Security Studies
  • Nonprofit Management
  • Object Oriented Application Development
  • Organizational Management
  • Security Management
  • Space Studies
  • Sports Management
  • Strategic Leadership
  • Terrorism Studies
  • World War II Studies

Apply Online (15-25 Minutes)

There is no fee to submit our online admissions application. You will be asked to provide information about your previous educational experiences and to declare your academic program.

After you submit your application, an admissions representative will walk you through the steps you need to get started.

Ready To Get Started?


Veterinary Services Ceres, CA #american #veterinary #clinic


#

The Best Veterinary Services for Your Pets

Dental Care

It may sound funny, but dog breath may be no laughing matter. Malodorous breath can be a sign of serious problems with your dog s health. It s important to take good care of your best friend s teeth and gums to avoid these problems. We can help via in-clinic procedures and explaining how to protect your pet s oral health at home.

Vaccinations

When a new dog or cat enters your family, it s important to ensure your new pet is up to date on its vaccinations. Thanks to the development of vaccines against deadly diseases, dogs and cats are living longer, healthier lives. One of our highly trained veterinarians will determine which vaccines your pet needs and develop an individualized vaccination plan.

Wellness Exams

Like their human companions, it s important for pets to receive routine checkups. Visiting your vet at least once a year for a wellness exam (perhaps scheduled along with vaccine boosters) is a vital preventative measure and gives your vet an opportunity to better know your pet and possibly recognize subtle changes that could indicate a health concern.

Artificial Insemination Pregnancy Packages

When breeding your purebred dog or handling your cat s pregnancy, it s important to ensure they receive quality care and treatment from insemination to birth. We offer surgical artificial insemination as well as progesterone tests, pregnancy X-rays, and C-sections to provide care throughout the stages of your pet s pregnancy. Call for more details.

Microchipping

There are few things more heartbreaking than a lost pet. Even the most well-trained animal companions can find themselves separated from their families. A simple, effective way to make sure a lost pet returns to you is the pain-free implantation of a traceable microchip. A great idea for all pets, young or old.

Nutritional Counseling

Few pet owners can resist tossing their furry friends a treat now and then. But when humans express love for their pets through food, the results can harmful. Pets, like people, require healthy, balanced diets. We can help you find the best food for your pet s breed, age, and exercise level.

Radiography (X-Rays)

Painless and entirely noninvasive, x-rays are an important tool used to diagnose a number of injuries or ailments that may be causing distress to your pet. The amount of radiation exposure needed to perform x-rays is very low, making it a safe form of testing for all pets, even those that are very young or who may be pregnant.

Surgery

Our doctors are highly skilled at performing veterinary surgeries, utilizing the most up-to-date practices and equipment. We will walk you through every step of the process from sedation to postoperative care and gladly answer any questions. You can rest assured your pet s safety and comfort is our top priority and will be closely monitored.

Fully Stocked Pharmacy

From flea, tick, and heartworm preventative to postoperative pain medications, all of your pet s pharmaceutical needs can be addressed right here in our office. In addition to convenience, you can be assured of the quality and safety of all the products we dispense. We ll also provide you with clear, concise dosing instructions.

Pain Management

Whether it s necessitated by illness, injury, surgery, or age, pain management is a crucial part of our practice. Our staff is trained to see the signs of pain and discomfort in cats and dogs, and the best ways to treat that pain. We will develop an individualized pain management plan to ensure your pet is as comfortable as possible.

Hospice and Euthanasia

Saying goodbye to a beloved pet is never easy and sometimes it s difficult to know just when that time has come. If you re having difficulty caring for a sick pet at home and aren t ready to let go, we offer compassionate hospice care. If euthanasia becomes the only humane option, we will make sure you understand the process and make every effort to accommodate any final wishes you may have.

For our elderly and homebound clients, if you are unable to bring your pet to our clinic for services, we may be able to bring our services to you. If you live within a 10-15 mile radius of our Ceres, CA location, call us for more information.


14 Important Statistics About Asian Americans: Asian-Nation #asian #american, #asian #pacific #american #heritage #month, #history, #statistics, #census #bureau, #data, #demographics, #population, #income, #poverty, #work, #employment, #patterns, #numbers


#

Research Resources Used/
Recommended for Further Reading

Brewer, Cynthia, Trudy A. Suchan, and U.S. Bureau of the Census. 2002. Mapping Census 2000: The Geography of U.S. Diversity. Environmental Systems Research.

Frey, William, Bill Abresch, and Jonathan Yeasting. 2001. America by the Numbers: A Field Guide to the U.S. Population. New York: New Press.

Denton, Nancy and Stewart E. Tolnay (Eds.). 2002. American Diversity: A Demographic Challenge for the Twenty-First Century. Albany: SUNY Press.

Mikyung Ghymn, Esther. 2001. Asian American Studies: Identity, Images, Issues Past and Present. Peter Land Publishing.

Min, Pyong Gap. (Ed.). 2005. Asian Americans. Contemporary Trends and Issues. Pine Forge Press.

Ono, Kent. 2004. Asian American Studies After Critical Mass. Blackwell Publishers.

Park, Ken (Ed.). 2006. The World Almanac and Book of Facts 2006. World Almanac.

U.S. Census Bureau. 2007. Statistical Abstract of the United States: 2007. Washington D.C. United States Department of Commerce.

Zuberi, Tukufu. 2003. Thicker Than Blood: How Racial Statistics Lie. St. Paul: University of Minnesota Press.

To accompany the article on Celebrating May as Asian Pacific American Heritage Month. the Census Bureau has compiled a brief statistical summary of the Asian American population using various Census data sources.

Population

18.9 million
The estimated number of U.S. residents in 2011 who said they were Asian or Asian in combination with one or more other races. This group comprised 5.6 percent of the total population.

52%
The percentage of the foreign-born from Asia who are naturalized U.S. citizens.

2.6 million
The number of people age 5 and older who speak Chinese at home. After Spanish, Chinese is the most widely spoken non-English language in the country. Tagalog and Vietnamese also have more than 1 million speakers.

161%
The projected percentage increase between 2008 and 2050 in the population of people who identify themselves as Asian. This compares with a 44 percent increase in the population as a whole over the same period of time.

40.6 million
The projected number of U.S. residents in 2050 who will identify themselves as Asians. They would comprise 9 percent of the total population by that year.

Education and Internet Use

50.5%
The percentage of Asians, age 25 and older, who have a bachelor’s degree or higher level of education. Asians have the highest proportion of college graduates of any race or ethnic group in the country and this compares with 28 percent for all Americans 25 and older.

85.7%
The percentage of Asians, age 25 and older, who are high school graduates.

21.2%
The percentage of Asians, age 25 and older, who have an advanced degree (e.g. Master’s, Ph.D. M.D. or J.D.). This compares with 10 percent for all Americans 25 and older. However, different Asian ethnic groups have different educational attainment levels — 68 percent of Asian Indians, age 25 and older, had a bachelor’s degree or more education and 37 percent had a graduate or professional degree; the corresponding numbers for Vietnamese-Americans were 24 percent and 7 percent, respectively.

80%
Percentage of Asian Americans living in a household with Internet use — the highest rate among race and ethnic groups.

Income and Poverty


JET Bandsaw Machines from American Machine Tools Company #all #american #hose #company


#

JET Band Saw Machines

The Jet Tool Company offers a wide array of bandsaw sizes for cutting metal. We like Jet machines because the are normally in stock, good quality, with tech support and spare parts quickly available. Their equipment also comes with a well written manual, something we appreciate compared to some other machines.

JET J3410 HORIZONTAL BANDSAW

Click to Request a Quote for the Jet J3410
Adjustable hydraulic feed system
Automatic shut-off at end of cut
Coolant pump, tank, motor, hose, nozzle, shut-off valve
Side blade guides with eccentric shaft, ball bearing
Rear blade guides ball bearings
Heat treated drive gear with bronze worm gear in oil bath
Heavy-duty cast iron saw head and table
Oil bath hardened and ground worm gear
Adjustable ball bearing blade guides
Blade wheels are made of flanged cast iron
Rapid acting swivel vise for mitering at 45
Saw base has wheels
3/4″ bi-metal blade
Adjustable material stop
* Cutting Capacity: 7 Round at 90
* Round at 45 Degrees: 4-1/2 diameter
* Square at 90 Degrees: 7 inches
* Rectangle at 90 Degrees: 2 x 12 or 7 x 10.5 inches
* Blade Size: 3/4 x .035 x 93 inches
* Blade Speeds: 80, 130, 180, 265 feet per minute
* Bed Height: 23-1/2 inches
* Machine Weight: 380 Lbs.
* Motor: 3/4 HP, 115 Volts, 1 phase, only

JET HBS-814GS Geared Head HORIZONTAL BAND SAW

Click to Request a Quote for the Jet HBS-814GS
Heavy duty geared head transmission fast speed changes
Easy accessible control panel for operator use
Hydraulic controlled down feed rate
Portable on wheels
Hardened and ground worm gears
Quick action swivel vise miters at 45
Coolant system
3/4″ Carbon steel blade with chip brush
Adjustable material stop
* Cutting Capacity: 8 Round at 90 Degrees
* Round at 45 Degrees: 6-1/2 inches
* Square at 90 Degrees: 8 inches
* Rectangle at 90 Degrees: 8 X 14 inches
* Rectangle at 45: 2 x 7 inches
* Blade Size: 3/4 x .035 x 97 inches
* Blade Speeds: 135, 197, 256 feet per minute
* Bed Height: 26 inches
* Machine Weight: 444 Lbs.
* Motor 1 HP, 115/230V, 1 phase, Prewired 115Volts

JET J9225 8-3/4″ ZIP MITER HORIZONTAL BANDSAW

Click to Request a Quote for the Jet J9225
Adjustable hydraulic feed system
Heavy duty cast iron saw head and sturdy base
Mitering capability to 60�
Convenient control panel
Complete coolant system
Hydraulic blade tension gauge
Adjustable material stop
Bi-Metal bendsaw blade
Overload protection
Quick Release Vise
* Cutting Capacity: 8-3/4 Round at 90
* Round at 45 Degrees: 6-1/4 diameter
* Rectangle at 90 Degrees: 8-3/4 x 7 inches
* Square at 90 Degrees: 8-3/4 inches
* Blade Size: 1 x .035 x 96.5 inches
* Blade Speeds: 157, 314 feet per minute
* Bed Height: 38-7/16 inches
* Machine Weight: 542 Lbs.
* Motor 1.5 HP, 230 Volts, 3 phase only

JET J7020 10 x 16 HORIZONTAL BAND SAW

Click to Request a Quote for the Jet J7020
Variable speed drive with easy fine adjustment
Exclusive 6 contact point blade guide assemblies
Exclusive swivel control panel
One piece wheel cover
Heavy duty transmission hardened ground oil bath gears
Adjustable blade guides with 6 point contact combination
Swing away control panel
Patented 3 jaw rapid action swivel vise
Cast iron blade wheels
Adjustable material stop
* Cutting Capacity: 10 Round at 90 Degrees
* Round at 45 Degrees: 10 inches
* Square at 90 Degrees: 10 x 10
* Rectangle at 90 Degrees: 7 X 16
* Rectangle at 45: 6-1/2 x 11
* Blade Size: 1 X .035 X 135 inches
* Variable Blade Speeds: 100 – 350 feet per minute
* Bed Height: 23-1/2 inches
* Machine Weight: 1000 Lbs.
* Motor: 1.5 HP, 115/230V, 1 phase, Prewired 230Volts

Optional Swivel Head Available:
for easy miter cutting.
Optional Motor Available:
2 HP, 460 Volts, 3 phase

JET HBS-1018W 10 x 18 HORIZONTAL BANDSAW

Click to Request a Quote for the Jet HBS-1018W
Large handwheel and built-in gauge for blade tensioning
Coolant is distributed through the blade guides
Blade guides with parallel double-row ball bearing support
Blade brush is built-in and self-propelled
Quick-position vise with adjustable jaws swivels to 45
Removable chip tray for quick clean-up
Blade is fully guarded regardless of blade guide position
Adjustable hydraulic downfeed with separate on/off valve
Automatic shut-off after cut
Carbide blade guides with rollers
Coolant system
4/6 variable tooth bi-metal saw blade
Adjustable material stop
* Cutting Capacity: 10 Round at 90 Degrees
* Round at 45 degrees: 7.5 inches
* Square at 90 degrees: 10 x 10 inches
* Rectangle at 90 degrees: 10 X 16 or 6 x 18
* Rectangle at 45: 7-1/2 x 10
* Blade Size: 1 X .035 X 130.5 inches
* Blade Speeds: 82, 132, 210, 330 feet per minute
* Bed Height: 23-1/2 inches
* Machine Weight: 801 Lbs.
* Motor: 2 HP, 230 Volts only, 1 phase

JET J7060 12 x 20 LARGE HORIZONTAL BAND SAW

Click to Request a Quote for the Jet J7060
Variable speed drive system allows the operator to fine tune the blade speed fast and easily
Exclusive swivel control panel
Heavy duty transmission utilizes hardened and ground gears operating in an oil bath
Balanced feed system is controlled by a dual system of counterbalance springs working with a hydraulic cylinder
Saw head raised hydraulically after each cut
Cast iron band wheels
Swing away control panel
Exclusively patented 3 jaw vise allows for faster set up
Exclusive 6 contact point adjustable blade guides (eccentric cam followers mounted on both sides of blade)
Quick action swivel vise miters at 45
Coolant system
Adjustable material stop
* Cutting Capacity: 12 Round at 90 Degrees
* Round at 45 degrees: 12 inches
* Square at 90 degrees: 12 x 12 inches
* Rectangle at 90 degrees: 12 x 20
* Rectangle at 45: 12 x 12
* Blade Size: 1 X .035 X 156 inches
* Variable Blade Speeds: 82 – 262 feet per minute
* Bed Height: 26-1/4 inches
* Machine Weight: 1500 Lbs.
* Motor: 3 HP, 230/460V, 3 phase, Prewired 230Volts

JET HBS-1321W 13 x 21 EXTRA LARGE BANDSAW

Click to Request a Quote for the Jet HBS-1321W
Semi-automatic bow raises after cut is complete to predetermined height
Adjustable rate hydraulic downfeed control
Variable blade speed allows optimum cutting performance Safety switch shuts off motor if band breaks
Quick-positioning vise lessens set-up time
Large handwheel and built-in gauge for blade tensioning
Coolant is distributed through the blade guides
Cleaning hose and nozzle assist in washing chips away
Easy access chip tray allows quick cleanup
Self-propelled blade brush extends the blade life
Automatic shut-off after cut
Carbide blade guides with rollers
Coolant system
3/4 variable tooth bi-metal blade
Adjustable material stop
* Cutting Capacity: 13 Round at 90 Degrees
* Round at 45 degrees: 10 inches
* Rectangle at 90 degrees: 13 x 18
* Blade Size: 1-1/4 x .042 x 161-1/2 inches
* Variable Blade Speeds: 66 – 264 feet per minute
* Bed Height: 32 inches
* Machine Weight: 1519 Lbs.
* Motor: 3 HP, 230/460 Volts, 3 phase, Prewired 230V

Click for the American Machine Tool Homepage


Jay Z is celebrating Father – s Day by helping bail dads out of jail, and cue all the tears #beyoncé, #father #s #day, #jay-z, #bonds, #twins, #people #of #color, #bail, #sandra #bland, #american #prison #system, #injustices, #legal #representations, #jay #z #father #s #day,news


#

Jay Z is celebrating Father’s Day by helping bail dads out of jail, and cue all the tears

If anyone is having an amazing Father’s Day today, it’s probably Jay Z. right? The rapper has just welcomed twins with wife Beyoncé. and in an effort to give back, Jay is celebrating by bailing fathers out of jail so they, too, can have the opportunity to spend this special day with their children. But this isn’t just about Father’s Day. it’s about taking a stand and tackling the injustices of the American prison system — which mostly impacts people of color.

Mr. Sean Carter penned an op-ed for Time . writing that he was inspired by the fundraising efforts of Southerners on New Ground and Color of Change. two organizations that bailed out over 100 mothers on Mother s Day. Jay Z said he will be donating to those organizations to bail out fathers on Father s Day.

Jay Z went on to explain how he plans to use this Father’s Day gesture to make a statement about America’s bail bond industry.

If you’re from neighborhoods like the Brooklyn one I grew up in, if you’re unable to afford a private attorney, then you can be disappeared into our jail system simply because you can’t afford bail, Jay Z wrote. Millions of people are separated from their families for months at a time — not because they are convicted of committing a crime, but because they are accused of committing a crime.

In his essay, the rapper writes that since producing Time: The Kalief Browder Story . about a 16 year old who spent three years on Rikers Island without ever being convicted of a crime, he has become obsessed with the injustice of the profitable bail bond industry.

He said, Kalief s family was too poor to post bond when he was accused of stealing a backpack. He was sentenced to a kind of purgatory before he ever went to trial. The three years he spent in solitary confinement on Rikers ultimately created irreversible damage that lead to his death at 22.

On any given day over 400,000 people, convicted of no crime, are held in jail because they cannot afford to buy their freedom, he continued. When black and brown people are over-policed and arrested and accused of crimes at higher rates than others, and then forced to pay for their freedom before they ever see trial, big bail companies prosper.

Kalief’s story is just one of many examples of how not being able to afford bail and proper legal representation can potentially put innocent people in dangerous situations. Remember Sandra Bland? #SayHerName

Earlier this week, Jay Z became the first rapper to be inducted into the Songwriters Hall of Fame. He quickly went on a little tweeting spree sending thank you’s to everyone who has inspired him over the years. He also shared a video message from President Obama congratulating him on the accomplishment and saying, We know what it s like not to come from much and to know people who didn t get the same breaks that we did.

It s inspiring to see Jay using his platform to support dads in need.

In closing his Time essay, Jay Z said, As a father with a growing family, it s the least I can do, but philanthropy is not a long fix, we have to get rid of these inhumane practices altogether.

We can t fix our broken criminal justice system until we take on the exploitative bail industry.

If you need a little inspiration today, you can read the rest of Jay’s powerful essay here .

Faves For You


American Airlines Credit UnionEducation Loans #no #credit #check #payday #loans


#education loans
#

There Should Never be a Limit on Learning

Achieve those education goals with the help of AA Credit Union. Take advantage of this open-end, variable rate loan with terms up to 120 months and amounts up to $40,000 . The interest rate is adjustable, quarterly, on the 1st business day of each quarter.

  • Education Line of Credit

Invest in the future with an open-end variable rate Education Line of Credit Loan for private school, college or trade school expenses. We give you options that help you manage tuition, books, board all the expenses of secondary or private school, college and trade school.

As a member-owner you’ll receive these additional savings and services:

Minimum payment will never be less than $13 per month per $1,000 or any part thereof. Rates are based on your credit worthiness. Ask the Credit Union for details. Unless otherwise noted, the APR for variable rate loans will be based on the Prime Rate as published in the Wall Street Journal (Index) as of the day of the advance plus a margin. Rate changes based on changes in the Index will take effect on the next business day after the Index change is published. The APR (Annual Percentage Rate) on existing balances for Line of Credit Education Advance Loans will change quarterly on the first day of January, April, July, and October to reflect any change in the Index in effect on the last day of the previous quarter. Any change to the Annual Percentage Rate (APR) will affect your payment amount. No other discounts will apply. Click here for full fees and disclosures .


American Financial Loans #car #payment #calc


#loans online
#

American Financial Loans

Apply for installment loans or checkbook personal loans at AmeriCash Loans and get the cash you need today.American Financial Automotive Services, Inc. has assisted dealers nationwide in maximizing profits, legally and ethically. Putting our client’s needs first and. First American Cash Advance First American Loans Purpose Money Purpose Financial Check Advance. Home; Get a Loan; Fees Terms; Services. Loans; Title Loans;Solution services for federal student loan debt holders with debt forgiveness programs or consolidation of federal Perkins and Stafford student loansThis provides you a network of professionals to help you achieve your financial goals. American Loans 5802 S 900 E Williamsburg Office Park Salt Lake City, Utah 84121Let us help you find a great rate for your home loan. Program for your unique situation. Purchase, Refinance and Owner Finance. North American Financial is committed. We offer low-cost, high-quality automotive financial services designed to fit your budget and your needs. Find out more about our new car loans, used car loans, and . If you have one or more federal loans, you may consolidate them through the Federal Direct Consolidation Loan Program. There are advantages and disadvantages to loan. BBBs Business Review for American Financial Network Inc, Business Reviews and Ratings for American Financial Network Inc in Chino Hills, CA.american financial loans

myfastonlinepaydayloansv.xyz – Fast Approval Payday Loans

myfastonlinepaydayloansv.xyz is devoted to fair and straightforward lending practices and does its best providing payday loan services to those borrowers who appeared in a situation of cash shortage and needs to fix it fast. We step out as a mediator company between various lenders and borrowers and we make everything possible for the most satisfactory cooperation between the two.

Fast Payday Loans are well-known short-term loans nowadays that are offered for a fixed period of time (2 weeks – 1month on average) for a fixed interest amount. It is an unsecured loan and is more expensive than regular long-term options; however, it is also easier to get due to the fact that payday lenders do not perform credit checks and are in general more lenient in their requirements.

Application is easy and straightforward; it consists of the several steps.

  • You sign in the application form;
  • You provide few simple documents;
  • We send your application to the most suitable borrower;
  • You get approval;
  • You get the money transferred to your checking account (must-have).

It is as easy as this. No credit checks and no time wasted in lines, no headaches and doubts about your chances for refusal.

Documents that lenders are very simple. They basically need:

  • The proof of your legal age (18 years old);
  • The U.S. citizenship or residence;
  • The proof of employment;
  • The proof of income (at least $1000 per/mo);
  • In some cases there can be something else but the basic list is this simple.

Advantages are numerous with such quick loans. There are many people who are actually unable to get a regular loan due to their poor credit score. This is unlucky complication that spoils life for many borrowers; and unfortunately, it is a very frequent one.

However, it is quite different with payday loans – lenders are not at all that picky and fastidious. They are quite eager to help people in an unexpected financial complication and they accept all applications without a fuss. There should be very strong reasons for refusal; and the latter are absolutely rare occurrence. You do not have to be in possession of a brilliant credit score to qualify and this is the reason why so many people choose Monnyloans.com .


Most Wired Hospitals Tackle Cybercrime, Telehealth and Predictive Analytics #most #wired,chime,gil #hoffman,health #information #technology,health #it,hospitals,information #technology,marc #probst,mercy,perioperative,scott #ransom,telemedicine, #cybercrime, #ransomware, #american #hospital #association, #health #forum


#

Most Wired Hospitals Tackle Cybercrime, Telehealth and Predictive Analytics

If they didn t know it already, members of the hospital field s C-suites do now: Keeping health care data out of the hands of cybercriminals is harder than ever.

Thanks to stories in recent months about the escalation in the types of acts criminals will take to profit from stealing hospital data or holding it for ransom, an awareness of the depth of the problem has reached the general public.

We can t take this threat too lightly, says Jon Melling, a partner with information technology-focused Pivot Point Consulting. Patients and other interested stakeholders expect health information to be kept absolutely confidential.

Cybersecurity is just one of the areas shown to be getting a lot of attention in the results of the 2016 Health Care s Most Wired survey, conducted by Hospitals Health Networks and Health Forum.

(Log on to see the list of Most Wired hospitals. )

Other matters growing in importance among the Most Wired hospitals and health networks include using data to make the transition from volume-based to value-based reimbursement; helping to connect hospitals in remote locations with specialists via video or audio; and continuing to work to make electronic health records more useful and shareable among different hospitals and health systems.

But the protection of valuable health care data is at or near the top of chief information officers priority lists. The way [criminals are] getting in primarily is through phishing emails, says Lynn Sessions, a partner with law firm BakerHostetler. What happens is a health care employee gets an email thinking it s a legitimate email. And these are very convincing emails. And they end up giving up their username and password, Sessions says.

Hospitals and health systems are fighting back in response to the threats presented by hackers, putting more resources into defensive systems and employee education, according to the results of this year s survey.

Most Wired-designated participants already were big users of defensive measures such as intrusion detection systems every year since 2013, at least 92 percent of them used such approaches. Now, Most Wired hospitals and health systems are taking more aggressive steps to beat back the hordes of hackers and hacking programs searching for a way into hospitals information technology systems. Sixty-seven percent of Most Wired hospitals and health systems are using pattern detection to prevent automated logins, compared with 60 percent in 2015 and just 48 percent in 2013.

Supporting Articles

A less-discussed but still important threat that the hospital field is addressing concerns what s called social engineering. The practice entails using personal interaction such as posing as a co-worker or family member to obtain password information or some other means to crack into a hospital s data.

When we do a security assessment, we look at technical security, the basics like bits, bytes and wires, says Munzoor Shaikh, a director in the health care practice of consulting firm West Monroe Partners, Chicago. But beyond the bits, bytes and wires, there s a lot of internal security measures that actually have to do with the human and the process side. Hospitals should have some type of process to limit that kind of risk, he says.

Among Most Wired hospitals, 40 percent perform annual social engineering risk assessments, 28 percent perform unannounced assessments and 7 percent perform assessments quarterly. Eight percent perform such assessments no more frequently than every two years, and 17 percent never do, according to Most Wired data.

Dialing up care

The Most Wired hospitals and systems in the survey are users of telehealth to varying degrees, but experts say telehealth, in its different forms, is on the upswing, despite being hindered by reimbursement limitations. Telehealth is getting a lot more interest, says Chantal Worzala, vice president for health information and policy operations with the American Hospital Association.

Part of the interest is driven by increased consumer understanding of how much more convenient it can be to interact with others using devices such as smartphones, and health care follows that trend, Worzala says.

Another driver of the growth in telemedicine comes from the inpatient side of care, where telemedicine can limit the effects of caregiver shortages, she says. The same holds true for behavioral health care.

Among those designated as Most Wired hospitals and health systems, the most popular use of telemedicine is for consultations and office visits (61 percent), while the use of telemedicine for rehabilitation (17 percent) was least cited by hospitals.

Among the Most Wired, use of telemedicine for psychiatric examination or psychotherapy in the hospital setting involved close to half of respondents at 47 percent.

Telemedicine would be improved by modernization of Medicare s handling of such care. It s extraordinarily limited in what will be covered, Worzala says.

Analytics use growing

Meanwhile, the use of IT data to better care for patients and patient populations continues to grow in popularity. Analytics is picking up very, very nicely, says Marc Probst, chairman of the College of Healthcare Information Management Executives and chief information officer for Intermountain Healthcare, Salt Lake City.

Probst notes that analytics used to be the domain of just a handful of academic organizations that were able to use the data they were collecting to conduct strong analyses and make better decisions for clinical and even financial practices. That capacity is spreading, he says.

We re seeing a tremendous uptick in capability and use. That s a neat opportunity, Probst says.

The survey data back up that view, with less than half (41 percent) of Most Wired hospitals and systems performing advanced analytics such as conducting controlled experiments or scenario planning and some form of forecasting.

But 91 percent of Most Wired respondents are performing business intelligence analyses in a single department, and 82 percent of all respondents are.

The practice of performing population health analysis with IT as its backbone also is still in the growth phase. The percentage of Most Wired hospitals and systems performing different aspects of pop health management implementation ranged from 48 percent that are synchronizing clinical and financial risk measures for clinical, operational and compliance standards to 84 percent that are identifying and targeting patients for outreach.

Look for the use of these practices to grow sharply as the field transitions to value-based care models. Most folks would consider the analytics capability for a value-based environment to be an absolutely critical, necessary building block to be successful, says Scott Ransom, M.D. managing director of strategic solutions for Navigant Consulting.

Integration of data for practical applications has room to grow and potential for great benefits. Fifty-nine percent of the Most Wired integrate clinical and claims data so they are accessible, searchable and reportable across the care community.

Data management cuts costs

Managing data properly helped Mercy, Chesterfield, Mo. when the large health system used clinical data to cut perioperative costs, and Mercy is applying what it learned in that area to other parts of its operations.

In every health care organization, IT as well as the operations and clinical side are looking at ways to drive expense out of the organization, says Gil Hoffman, chief information officer with Mercy. Data play a role in that, figuring out ways we can do things more efficiently and still have the very, very best patient outcomes, Hoffman says.

Mercy improved efficiency to the tune of $9 million by reworking its purchasing practices using supply cost data in perioperative care. This is an area that drove a large amount of the system s overall costs, says Betty Jo Rocchio, R.N. vice president of perioperative performance acceleration. Mercy standardized its perioperative supply choices in concert with surgeons on its staff and applied those choices across the organization, Rocchio says. In addition to saving money, outcomes have remained the same or improved, she says.

The biggest task from a data perspective was getting it into an organized, actionable format so that people can make decisions and consume that information in a way that can drive their business, Rocchio says. Most of health care has a ton of data. It s the analytics that we struggle with.

Here is a sampling of this year s Most Wired hospitals and health systems, in alphabetical order:

Abington (Pa.) Jefferson Health

Abraham Lincoln Memorial Hospital | Lincoln, Ill.

Adventist Health | Roseville, Calif.

Adventist Health System | Altamonte Springs, Fla.

Advocate Health Care | Downer s Grove, Ill.

Corporate News