Credit News

How much help is available? #school #loan

#loan consolidation

Loan Consolidation


  • Learn what you can do now to save money during repayment.
  • Timing and effective communication with your Loan Servicer is key!

If you don t remember who your Loan Servicer is, don t know your debt balance, or want to review your student loan status, use your SSN, first two digits of your last name, your date of birth and your federal PIN at to access your student loan information. If you need assistance accessing your loan records, contact Rogue Central Services .

Loan consolidation allows you to refinance any or all eligible outstanding federal student loans and create a single new loan with one monthly payment. The new loan will have a fixed interest rate, new terms, and may have an extended repayment period of up to 30 years.

Loan consolidation allows you to refinance any or all eligible outstanding federal student loans and create a single new loan with one monthly payment. The new loan will have a fixed interest rate, new terms, and may have an extended repayment period of up to 30 years.

Both the Federal Family Education Loan (FFEL) Program and the Direct Loan Program offer consolidation loans. FFEL Consolidation loans are available from participating Loan Servicers, and Direct consolidation loans are available from the federal government. Alternative consolidation options are also available through private Loan Servicers. However, benefits, repayment options and application procedures vary.

The following information pertains to the FFEL Consolidation loan process. For more information about the Direct Consolidation loan processes, visit .

Consolidation loans are not for everyone. Several elements generate advantages and disadvantages that relate to your current and potential consolidation loan.

Before choosing loan consolidation, review all your options to be sure it’s the right choice for you.

Who is eligible for loan consolidation?

To be eligible for loan consolidation under the FFEL Program, you must agree to the terms and conditions listed on the Application and Promissory Note, which include:

  • You are not enrolled in school, or you are enrolled on a less than half-time basis.
  • You are in the grace period or already in repayment on EACH loan you have chosen to consolidate.
  • If you are in default, you must either make satisfactory repayment arrangements with your current Loan Servicer or agree to repay the consolidating Loan Servicer under an income-sensitive repayment plan.
  • You must agree to notify the Loan Servicer of any address changes.

Spouses may consolidate their eligible loans together.

If I have a direct loan, can I apply for a FFEL consolidation?

Most Loan Servicers will combine Direct and FFEL Program loans. Typically, the Loan Servicer requires the borrower to have at least one underlying FFEL Program loan with them. Some Loan Servicers may consolidate Direct loans for borrowers who have no FFEL Program loans. Check with your current Loan Servicer(s) on individual requirements.

Is there a minimum to consolidate?

Loan Servicers may require a minimum eligible loan amount before creating a new consolidation loan. Because each has specific terms, you should consult with your Loan Servicer prior to consolidating.

*Alternative and non-federally guaranteed loans will not appear on NSLDS. Also HEAL loans and other health professions loans will not appear, but you will want to list these on the worksheet under non-eligible loans.

What If I’m in default?

Even delinquent and defaulted loans may be consolidated. To qualify, you must be in repayment on your defaulted loan (typically three consecutive, voluntary, on-time, full monthly payments), or agree to repay your new consolidation loan under the income-sensitive repayment plan. If you have a court judgment on your federal student loan debt, you cannot consolidate. Contact your Loan Servicer for details.

Will I only have one Consolidation loan?

If you wish to consolidate both subsidized and unsubsidized education loans, your Loan Servicer will create two new consolidation loans in your name — one for each type of loan. Loan Servicers are required to track these loans separately, but will combine both loans for billing purposes; therefore, you will only make one monthly payment.

If I already have a Consolidation loan, may I re-consolidate?

Estimate my new monthly payment under consolidation

Home Loan Repayment Calculator: How Much You Can Afford? #business #loans #for #women

#home loan repayment calculator

Tips for your situation

Loan details

You can use this calculator to work out your home loan repayments with different loan sizes, interest rates, loan terms and repayment options.

What interest rate should I use?

You can use the Bank Standard Variable Rate (BSVR) of one of the major banks, less a 0.7% discount.

This is a good rough guide, although it is likely that we may be able to get your a better interest rate than this.

However, to determine what your payments would be if interest rates were to increase, put in an interest rate around 1.5% higher than the current BSVR.

This will help you figure out if you would be able to afford the loan, if rates went up.

What loan term should I use?

Generally, most mortgages in Australia are for a 30 year term. You can choose any term you like even up to 40 years, which is the maximum term offered in Australia.

Please keep in mind the shorter your term, the higher your repayments. However, the faster you pay off the loan, the less interest your will ultimately pay.

Is it better to pay weekly, fortnightly or monthly?

Despite what you might have heard in the media, there is no benefit to paying weekly or fortnightly as opposed to making monthly repayments. Some lenders divide the monthly repayment by two to work out how much you would pay if you were to make fortnightly repayments.

This is actually paying more than the true fortnightly repayments. If you make extra repayments then you will pay the loan off faster and will save money, this is why paying fortnightly appears to give you a benefit.

Making monthly repayments and paying more than the minimum is the most effective way to save money on your mortgage. If this is combined with an offset account you can easily reduce your interest expense without making a noticeable change to your lifestyle.

What does interest only mean?

If you are making interest only repayments then you are not actually paying off your home loan. You are just paying the monthly interest to the bank.

The advantage is that your repayments are smaller. The disadvantage is that you will not actually pay off your loan and ultimately you will pay much more in interest.

Investors often use interest only loans on their investment properties to keep their monthly commitments low and to allow them to use their spare funds to pay off their non-tax deductible debts first.

Can I pay interest only payments on a weekly basis?

The majority of lenders only allow interest only repayments to be made on a monthly basis. There are a few ways around this, however very few people choose to do this as there is no benefit in paying weekly or fortnightly if you are paying interest only.

How can I work out my borrowing capacity?

To do this, first determine how much you would feel comfortable repaying each month, then use a 1.5% higher rate than the current BSVR. This method can help you work out how much you could comfortably borrow without having to change your lifestyle or current spending habits.

This is a simplified method of working out your borrowing capacity. However, you can also use our borrowing power calculator or our mortgage brokers can give you a more exact figure using our software.

We never recommend that you borrow to your limit as this leaves you very little surplus money to spend on holidays or to keep on stand by for unforeseen circumstances.

Speak to a mortgage broker

Our mortgage brokers are here to help you apply for a loan that suits your needs. If you are trying to minimise your loan repayments or pay off your loan as quickly as possible, we can help you develop a strategy.

Please enquire online or call us on 1300 889 743 for more information.

Loan Balance Calculator – Find out how much you owe on your loan. #poor #credit #auto #loans

#car loan calc

Calculate your loan balance based on current payment, interest rate and remaining term

What is the balance on my loan?

Additional Information

Credit and the Consumer

While credit stimulates the economy, it does have to be used judiciously. Credit is not money. Derived from the Latin word for “trustworthiness,” credit is based on faith that the borrower will repay the debt with real money. One should not use credit in place of money when there is little or no likelihood that payment in real money will be made using credit without the intent or ability to pay is theft.

Today, credit has become a business in its own right. Credit is issued by banks, savings and loans, credit unions, public utilities, and even merchants. According to the Federal Reserve, there was more than $2.5 trillion of consumer debt outstanding by late 2009 this is more than double the amount outstanding in 1994. This represents hundreds of billions of dollars in interest earnings to lenders. This is why credit card companies aggressively compete to get you to use their credit cards and services. The marketing is so aggressive that consumers may lose sight of the fact that this is not free money and make excessive purchases to the point where they find themselves in financial difficulty.

What Are The Benefits Of Credit?

Without credit, the global economic system would grind to a stop. Credit allows borrowers to immediately buy things they could not afford now. Most persons would not be able to purchase a house without credit. Most young adults do not have sufficient savings to afford the cost of even the most humble of homes. Yet, credit allows them to purchase a home that they can gradually pay off over time as their earnings increase. Without credit, many individuals would not be able to purchase an automobile. Credit also makes it convenient to make spontaneous purchases without the need to carry large sums of cash or checks.

Businesses rely upon credit to manage their cashflow. Manufacturers borrow money to buy raw materials. Merchants buy goods on credit from manufacturers. Consumers buy goods from merchants on credit. Without credit, the process would slow to a halt.

Responsible Use Of Credit

While credit is very important to the economy, its abuse is harmful. Credit is extended with the faith that borrowers will repay the debt. Goods and services are provided on credit with the expectation that they will be paid for with money in the future. Credit makes commerce more convenient. When credit is abused, everyone loses. Credit abuse increases the cost of credit to everyone.

One should never use credit to purchase things for which one will not be able to pay in the future. Many impulse purchases are made on credit with little thought given to how the debt will be repaid in the future. If one calculated the true cost of goods bought on credit, one would have second thoughts about making the purchase in the first place. Here is an example: a new television flat-screen HDTV model retails for $5,000. If purchased on a credit card with a 12% annual percentage rate (APR) compounded daily, and with minimum monthly payments of $166 paid over three years, it winds up costing over $5,980. Is it worth almost $1,000 more to have it now (furthermore, the retail price in 3 years will probably drop)? That is like going into a store that advertised “SALE–ADD 20% TO EVERY PURCHASE.”

Mortgage Affordability Calculator – How Much Can I Borrow? #government #loans

#home loans calculator

Your income is the key to how much you can borrow

One of the first questions asked my most people when taking out a home loan in Australia is “How much can I borrow?”

Your income is the key to how much you can borrow. Your home loan lender will look at the amount of income you earn but also the type and regularity. Part-time earnings or overtime will be viewed more favourably if earned consistently over an extended time. There are also several other things to consider including:

  • Present expenses and debts
  • Your borrowing habits
  • The purpose of the loan
  • Location and property type
  • Interest rate and loan term
  • The amount of deposit

As a rough guide, when taking out a home loan in Australia, you can generally borrow between three and four times your total gross income, although it will vary on a case by case basis. The first step is to obtain a home loan quote from your lender. This will help if you are going to auction or need to figure out how much to save for your new home.

How much do Credit Collection Agencies actually buy debts for? # #how #much #do #credit #collection #agencies #actually #buy #debts #for?, #vbulletin,forum,bbs,discussion,jelsoft,bulletin #board,money #saving,martin #lewis,shopping,save #money,insurance,holiday,flight,credit #cards, #loans, #competitions


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How much do Credit Collection Agencies actually buy debts for? 17th Mar 08 at 2:00 PM

I’m sure this question has been asked a lot but I’m new on the board and can’t find any info on it.

Does anyone know what persentage of the original amount credit collection agencies usually pay when they buy your debt? I believe in the U.S. it’s as little as between 1% and 5%.

This info would be really useful when considering what is feasable to offer in full and final settlement.

Glad you like it!

I would start with a 30 offer.

I had a 1200 debt with Citicards many, many years ago. It was sold on to 1sr Credit and I made a F+F settlement payment of around 400 (can’t remember the exact amount) to the DCA.

anyway, roll on 3 years or so and I decided to claim back the charges. It was less than 200 all in but citicards are very dogged in this area and fight everyone individually – the only people who are it seems. Anyway, I had to go to court 3 times and on the second time it was revealed the DCA had paid 180 for the 1200 debt.

Of course, now I’d go down the CCA route, but it wasn’t something I knew about back then.

And yes, I got the charges back – eventually – the judge got so. ed off with them, he struck out their defence and made them pay the money into court. The court then passed it to me

Last edited by Burlesque Babe; 21-03-2008 at 2:17 PM.

Become Mrs Pepe 9 October 2012

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I have seen mentioned on another forum that its between 10 and 30 , depending on the age of the debt, amount, the risk and whether its statute barred. People like Lowells tend to buy statute barred quite cheaply from what I can gather. The above figure seems to come from people who say they are working within DCA industry. Not sure how reliable the info is, or if its any help!

Jan 2016 Grocery Challenge: �184.58/�400 (16/01)

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If they don,t have a CCA. DO NOT PAY ONE PENNY.

Glad you like it!


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Remember children. Cheats never prosper? listed the same hotel with different star ratings and prices

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    Solar Power & Solar Panels Guide, MoneySuperMarket, how much money does it cost to install solar panels.#How #much #money #does #it #cost #to #install #solar #panels


    Solar Power

    We compare prices from every energy supplier in England, Scotland and Wales to help lower your fuel bills

    How much money does it cost to install solar panels

    Solar Power

    Solar panels can cut your energy bills, and pay you for producing electricity, which makes them an appealing option if your energy costs are going up. But before paying thousands to install solar panels, consider whether your property is suitable, and whether they’ll really cut your bills.

    How much money does it cost to install solar panels

    How solar panels work

    Solar panels harness the sun’s energy through photovoltaic cells. The cells convert sunlight into electricity. You don’t need direct sunlight for the panels to work, as they still generate some power on an overcast day.

    • Cut your carbon footprint – the panels are environmentally friendly, as solar electricity doesn’t release harmful carbon dioxide (CO2) and other pollutants into the atmosphere.
    • Renewable and sustainable – you can’t run out of this type of power.
    • Cut energy costs – sunlight doesn’t cost a penny, once you’ve paid for the panels to be installed.
    • Financial support – solar panels are eligible for Feed-in Tariffs. You earn money for each kWh of electricity you generate, and you get an additional payment for the electricity you export back into the grid.
    • The initial cost – this can be expensive, at thousands of pounds, unless you’re eligible for financial help towards the cost.
    • Dependent on weather – solar panels still produce power on a cloudy day, but the weather may influence how well they work.
    • Your property might not be suitable – you need a roof that’s big enough to fit the panels, and produce enough power. Ideally, your home should also be south-facing. Listed buildings are unlikely to be allowed to install solar panels.
    • Effort – there is a big initial outlay, and building work is required. This will put many people off, when energy is available simply from a range of suppliers.

    Call your local Energy Saving Trust Advice Centre on 0800 512 012 for more information on solar panels.

    The cost of solar panels

    The average 4kWp solar panel system costs around 5,000- 8,000 to install, according to the Energy Saving Trust.

    This can generate around 3,800 kWh of electricity a year, and save around two tonnes of carbon dioxide every year. However, costs vary widely between installers – so get several quotes.

    Before spending thousands installing a system, make sure it’s worthwhile. Check if other energy saving measures could save more, such as switching suppliers, loft or wall insulation.

    Your home must reach band D or higher in the Energy Performance Certificate to be eligible for the highest rate of Feed-in Tariff.

    If you’re unable to install solar panels or you decide against it, cut energy costs by comparing tariffs and switching to a cheaper deal. Make sure you’re on the most competitive tariff, particularly given the rising cost of energy.

    Fitting solar panels

    Tell your buildings insurer: The panels will form part of your home’s structure. This means your insurance could get more expensive, if your insurer decides you need a higher level of cover, particularly if the house needs rebuilding and the panels need replacing.

    Consider separate insurance: Your home insurance won’t guard against any mechanical fault in the panels. If they stop working, check if they’re under warranty. You may need to insure them separately.

    Check the provider: Look out for the REAL Assurance and Microgeneration Certification Schemes (MCS), ensuring you can trust the company. The MCS mark shows that the installer offers high-quality products, while the REAL Assurance Scheme is a consumer code that offers protection.

    How much money does it cost to install solar panels

    Can I compare energy prices if I am on a prepayment meter?

    If you use a prepayment meter, you can still compare energy prices and potentially switch to another cheaper prepayment deal.

    If you are on a prepayment meter, you could switch to a fixed-rate deal and save.

    You can compare your current prepayment tariff to alternative tariff options using our energy comparison tool.

    Termites San Diego: What Are The Costs Of Termite Tenting In San Diego? #cost #of #termite #treatment,free #termite #inspection,fumigation #costs,how #much #does #termite #control #cost,san #diego #termite #tenting #cost,termite #costs,termite #tenting #costs


    What Are The Costs Of Termite Tenting In San Diego?

    Termites are a severe problem in California, and are costing home owners about one billion dollars every year in damage repair. Every building in San Diego needs at the time of sale a clear termite inspection report, and it is advised that you do regular termite control in order to avoid expensive damage repair in the future.

    Costs are many times the primary concern of property owners in need of termite treatment. The costs of termite control in San Diego depend from various factors including the kind of termites you have, the size along with the part of your house that needs to be treated and the extermination method.

    A San Diego termite company will usually set the price in relation to how serious the infestation is. If the termite inspector spots just a few subterranean termites and finds that local treatment could solve the problem then there is no need for you to pay for an entire tenting procedure. Local termite treatment can provide residual protection and is typically less expensive than tenting and fumigating the whole structure.

    The average cost of termite tenting differs widely. Costs vary based on several variables, including the method of treatment and the severity, as well as the location, the accessibility of the infestation, the size of the treatment area (termite control quotes tend to be calculated per sq. ft.), the type of construction, the number of structures that need to be treated (e.g. fences, sheds) and the species of termite that has been found.

    The costs for termite tenting vary depending on these main factors:

    1. How far is the infestation spread throughout your house, and what exactly needs to be done to treat it
    2. The size of your home
    3. The accessibility of your property that may have an effect on the execution of the work

    While costs vary depending on the above, as a rule of thumb you may expect to pay about $1 to $1.50 per sf, so the typical costs to treat a 2,000 sf home may be around $2,000 to $3,000 for a San Diego property. In addition to this you may have costs for packing and moving some of your belongings, your stay during the time where you cannot live in your house, and any costs to repair existing damage.

    Generally speaking, if you have drywood termites, fumigation services cost more than local termite treatment. For subterranean termites, bait systems typically are more expensive than termiticide treatment because bait systems involve monitoring.

    If you have not dealt with termite companies in the past, you may be tempted to select the first company you come across. This however may not be the most cost effective solution. You should rather get two or three quotes so you can get a better idea what needs to be done and can compare prices. You also have the chance to evaluate different companies in terms of professionalism and knowledge.

    While the costs are an important consideration when selecting the best San Diego termite control company, the price should not be your only consideration. It is recommended to compare more than purely the initial expense for termite treatment. You may also want to look at any further costs, for example costs of future termite inspections, or costs to renew service contracts and of course the terms and conditions of the termite company s guarantee.

    Most San Diego termite companies provide free termite inspection, and reputable companies will also include a one or two year warranty against evidence of active termite infestation.

    Where to Find IRS 2016 Form 1040 and Instructions for 2017, how to find out how much you owe the irs.#How #to #find #out #how #much #you #owe #the #irs


    Where to Find IRS Form 1040 and Instructions

    Are you aware that there are a few different kinds of IRS form 1040 and instructions? It’s best to know which income tax form suits with your specific circumstance and lets you declare the earnings, deductions, credits, etc. that relate to you.

    Table of Contents

    The Most Common 1040 Forms and Instructions:

    • IRS Tax Form 1040 (Individual Income Tax Return in the U.S.)
    • The Long Form or Form 1040 (Individual Income Tax Return in the U.S.)
    • The Short Form or Form 1040A (Individual Income Tax Return in the U.S.)
    • Form 1040EZ (Income Tax Return for Unmarried and Combined Filers Who Have No Dependents)
    • Form 1040NR (U.S. Nonresident Alien Income Tax Return)
    • Form 1040NR-EZ (U.S. Income Tax Return for Certain Non-resident Aliens Who Have No Dependents)

    There are various methods to get tax form 1040 instructions. The quickest and most effective choice is to download the tax form to your computer. In addition, almost all post offices and neighborhood libraries have tax forms and instructions available throughout tax season, and forms are also available from a tax center or an IRS office.

    Additionally, you could ask for a tax form to be delivered to you from the IRS by U.S. Mail.

    IRS 2016 Form 1040 is Known as the Long FormHow to find out how much you owe the irs

    Form 1040 is the usual federal income tax form widely used to record an individual’s gross earnings (e.g., income, products, real estate, and services). It is usually referred to as “the long form” since it is more in depth compared to the shorter 1040A and 1040EZ income tax forms.

    Also in contrast to the various other tax forms, IRS form 1040 permits taxpayers to claim several expenditures and tax incentives, list deductions, and modify income. Although the 1040 usually takes more time to fill out, it rewards taxpayers by offering them extra possibilities to reduce their income tax bills.

    The 2016 1040 Form is usually due by April 15th 2017, except if you request an automatic tax extension. Should you not submit by this date, you are usually subject to fines and/or overdue charges. It is possible to ask for a tax extension by sending in IRS Tax Form 4868 by the initial submitting due date (April 15).

    When Getting Ready to Fill out Your Tax Forms

    Even before you start doing your 1040 tax forms, you need to have the following material ready:

    • Valid identification
    • Submitting status and Residency status
    • Social Security Numbers for yourself (and also your partner and any dependents)
    • Birth dates for yourself (along with your partner, plus any dependents)
    • A duplicate of your previous income tax return
    • Documents of salary received (e.g., W-2 , W-2G, 1099-R, etc.)
    • Statements of interest/dividends from finance institutions, brokerages, etc.
    • Evidence of any tax credits, tax deductions, or tax exemption
    • Your checking account number and routing number (for Direct Deposit)

    Keep in mind that IRS Tax Form 1040, with payment amount, is owed by April 15th. A 6-month tax continuance may be allowed (with IRS Tax Form 4868) for overdue submitting, however payments still have to be made by April 15th. You can file Form 1040 by paper mail, via IRS e-file, or by way of a certified tax preparer.

    1040 Tax Form Video by TurboTax

    Get Your Refund Faster by Filing Online

    Filing income taxes online is usually safer, quicker, and simpler ― and you can get your tax refund a lot faster should you opt for the Direct Deposit method. While there are a few income tax forms to pick from when preparing your federal income taxes, a reliable option is to use IRS Form 1040 when you are not sure if you will be eligible for the 1040A or 1040EZ.

    • The standard guideline is: If uncertain, submit Tax Form 1040.
    • You have to submit Form 1040 once any of the following apply:
    • You have taxable earnings of $100,000 or higher
    • You have self-employment earnings of $400 and up
    • You had income tax being taken from paychecks
    • You made anticipated income tax payments, or have overpayment that is applicable to the current tax year
    • You have listed deductions (e.g., mortgage, interest fees, or charitable donation)
    • You generate revenue from a company, S-corporation, partnership, trust, rental, or farm
    • You have sold real estate, stocks, bonds, or mutual funds
    • You are claiming revenue alterations (for tuition, educator fees, relocating costs, or health savings accounts)
    • You got an advance payment for Earned Income Tax Credit (EITC) from a company
    • You have a W-2 that indicates uncollected tax (from tips or group term life insurance coverage), or a W-2 that demonstrates a code Z (earnings from a 409A non-qualified deferred payment program)
    • You owe excise tax on insider stock payment (from an expatriated enterprise)
    • You are a person in debt in a Chapter 11 personal bankruptcy case (submitted after October 16, 2005)
    • You make foreign income, paid foreign income taxes, or are claiming tax treaty benefits
    • You are obligated to repay any further special taxes (e.g., recapture taxes, household employment tax, alternative minimum tax, etc.)

    Help at Tax Time

    How to find out how much you owe the irsWhen you file your taxes online it will be like an interview. They will ask easy to answer questions while filling in the correct tax forms for you behind the scenes.

    The answers you provide will enable them to see which deductions and credits you qualify for. In the event that you are unsure how to answer a question there are tax experts readily available to help you.

    Online tax filing insures that you get the largest refund possible. There s even a free tax refund calculator available that allows you to know the amount of money that you will be getting back.

    Registered Nurse Salary – Job Description > Interviews – Career Options #registered #nurse #salary, #registered #nurse #job #description, #how #much #do #registered #nurses #make, #pay, #career #options, #jobs, #career, #advices, #challenges, #opportunities, #goals, #future, #guide, #information, #options, #best #paying #careers, #good #paying #careers


    Interview with a Registered Nurse

    What do you do for a living?

    I am a Registered Nurse.

    How would you describe what you do?

    I take care of patients who are recovering from a wide range of illnesses or from recent surgery.

    What does your work entail?

    I’m responsible for making sure that the patient’s pain is under control, that they receive their prescribed medicine on time, that their vital signs are stable, that the doctor’s orders are being followed and I act as a liaison between the doctor and the patient’s family.

    What is a typical workweek like for you?

    I work three, twelve-hour shifts and I’m stuck on night shift right now. The night shift is really hard. The money is good but the rest of your family is scared to call during the day because they’re scared that I’ll be sleeping. But you kind of get used to it and then eventually you get to work days. So I work 3-twelve hour shifts that usually end up being about 13 or 14 hours because you have to stay late sometimes to finish charting. It ends up almost being a 40 hour work week.

    How did you get started?

    I actually started by going to college and getting a psychology degree and with that degree I was only able to get a job as a receptionist.

    I knew a psychology degree doesn’t really do anything unless you go for your PhD or Masters so I really wanted to help people but I didn’t feel like I was really getting that opportunity and my sister was in nursing school and loved it so I went too.

    I went to a school that offered a one year accelerated Bachelor’s degree in nursing program.

    It was twelve months because I had already had my Bachelor’s degree. I didn’t have to take all the other classes and so I got a second Bachelor’s.

    It was a crazy year. It was probably the most difficult year of my life but it was worth it.

    What do you like about what you do?

    The best part is seeing patients get better and knowing that I played a small role in that. We get a lot of patients who are in a lot of pain after their surgery which can be pretty stressful trying to get their pain under control. But once they’re comfortable and smiling it does feel really good to know that I helped them out.

    What do you dislike?

    I wish I had a lot more time to spend with my patients. There are some busy nights where I’ll run into a room to see something and my patient wants to tell me a joke or a story about her grandkids and it absolutely breaks my heart to have to interrupt them and leave because the patient in the room down the hall is throwing up and another patient is crying in pain and another patient has to go to the bathroom. So there’s sometimes that there is so much going on that I feel like I can’t give my patients the attention that they desire and that I want to.

    How do you make money or how are you compensated?

    Nurses are all hourly so they’re not a salary. It’s not a salary position unless you’re in management.

    How much money do you make as a registered nurse?

    In Kansas City it seems like most hospitals for new graduate nurses start around $21 or $22 an hour and then every year the salary goes up by a little bit less than a $1 a year. I’ve been a nurse for 5 years and I’m making $26 an hour.

    Hospital nurses tend to make more than other types of nurses. At doctor’s offices they only make like $18 or $19 an hour even if you are a registered nurse. So you definitely get more in the hospital and then hospitals usually pay night shift workers a shift differential which for me is $3 an hour so I get my base pay and then for the night hours I get $3 more an hour and I also get additional pay. If it’s a weekend you get $2 an hour extra.

    How much did you make starting out in this career?

    I started out at $22 an hour maybe but that was in TX.

    What education or skills that are needed to be a Registered Nurse?

    Most hospitals require a registered nurse degree but you can do that two ways. There’s actually a Bachelor’s degree which is called a BSN and some hospitals prefer that and pay more; other hospitals don’t distinguish between a diploma nurse, which is an RN without the Bachelor’s, and the Bachelor’s.

    What is the most challenging about what you do?

    The patient load and the severity of their sickness.

    If I have five patients and I have one patient who demands a lot of time because they’re in a lot of pain or they’re really sick then my other four patients might not get the attention that they deserve. So I’ve learned time management skills are just absolutely critical and even then sometimes I’ll have my whole night figured out and something will come up and throw everything off. So it’s definitely a skill learning to prioritize and juggle my plans for the night I guess. That takes a long time to learn.

    What is the most rewarding for you?

    The patients, just getting to know the patients and their families and seeing them get better.

    What advice would you offer someone that’s considering this career?

    The best advice I could offer would be to contact a hospital in the area and see if there’s any way that you can shadow a nurse for a full shift because I think that a lot of people watch TV shows and see doctors doing all the work and they think that’s the way things actually are and it’s not like that. Nursing is a very, very physical job. It’s a lot of thinking and it’s a lot of work. I love it but I’ve met a lot of people who I think if they would have actually seen what it was really like before they went to school that they might have chosen something different.

    I don’t want to sound discouraging by any means but I think it’s a good idea to actually shadow someone to see what it will be like.

    How much time off do you get or take?

    Well we technically have a 12 hour shift. It’s only three days a week so every week you get four days off and then it seems like hospitals give you a lot of paid time off because you don’t get holidays paid. With most jobs you get paid when you don’t have to work on a holiday but hospitals they’re open every day all day so you sometimes have to work holidays so we do rack up a lot of paid time off and so it just seems like occasionally I’ll be able to take a day or two off which is really nice.

    What is a common misconception that people have about what you do?

    That nurses just give medicine and they don’t do much else.

    What are your goals or dreams for the future?

    I guess to eventually to try different areas of nursing and just see what is all out there because that’s one of the best things about nursing, there are so many different areas that if you get bored with something or something isn’t the right fit you can try a different specialty, or you can go from being a floor nurse to an operating room nurse and it’s almost like a different profession. So you have a lot of options I guess. In the future I would like to try out different things and see what the best fit is for me.

    What else would you like people to know about what you do?

    That’s a good question. To be nice to their nurses! No, I’m kidding. It’s a very rewarding job, you learn a lot, it’s constantly evolving, that people should only go into nursing if it’s their true passion.

    And that if you really do want to help people and you are interest in medicine that it is a very rewarding and exciting career.

    How Much Does Greece Really Cost? #how #much #does #a #car #insurance #cost


    How Much Does Greece Really Cost?

    March 7, 2011 / By NomadicMatt

    Last week, I wrote an article called Five Destinations to Visit for Under $30 USD . One of the places I listed was Greece. which brought a lot of pleasantly surprised comments from readers. Most people never think of Greece as a cheap destination, lumping it in with the other Eurozone countries as overpriced. However, I ve been to Greece twice and think it s a highly underrated budget destination, especially for Europe.

    One commenter didn t agree:

    Greece is definitely not cheap, especially not Athens. Clubs charge around €20 entrance fees. The akropolis is like €25 entrance to walk around. Sure, tavernas are pretty cheap, but once you go up from backpacker hostels and low-end tavernas, Greece is hella expensive. I’m waiting until they get kicked out of the euro and go back to drachmas. There is a reason people go to Turkey instead of Greece. Telling people that it’s on par with Thailand and Bali is just plain misinformation

    And he s right. Traveling that way would make Greece expensive. But traveling that way could make any place expensive. For example, another place on that list was Bali. Bali is a very cheap destination, but if you stayed in the $1,000 USD resorts, it could very well be hella expensive. The same is true in Thailand. The same is true anywhere in the world.

    I m often in New York City. It s not the cheapest place in the world, but it doesn t have to be the most expensive either. Avoid the $200 sushi meals and expensive bars, and you don t have to spend a lot of money. It s all about how you travel. The commenter is right when he says Greece isn t cheap if you go to lots of clubs. It s not cheap if you visit in the middle of July (peak season) and spend your time in Santorini or Mykonos .

    So How Much Do You Really Need?

    The one thing the commenter missed in his argument is that it s about how you travel. Every place can either be cheap or expensive since everyone spends money differently. There s always someone doing it for less, and there s always someone spending more. So I ve created a number of different budgets to give you an idea as to how much Greece costs depending on your travel style :

    (Note: These are daily averages. Some days you ll spend more, some days you ll spend less.)

    Budget #2 The Less Broke Backpacker
    Hostels 10 euros
    Food 7 euros
    Beer 10 euros
    Activities 10 euros (museums and such)
    Total: 37 euros ($45 USD)

    Budget #4 The I Only Have Two Weeks, So I Don t Care Traveler
    Hotel 25–30 euros
    Food 20 euros
    Beer 15 euros
    Activities 20 euros
    Total: 80-85 euros ($108-115 USD)

    Budget #5 The Semi-Luxurious Traveler

    Hotels 50 euros (this amount of money will get you a really nice hotel!)
    Food 25 euros (nice meals with wine all the time!)
    Beer 15 euros
    Activities 40 euros (museums plus day tours)
    Total: 130 euros ($181 USD)

    Notes on the Numbers:

    • I m not including souvenirs in these numbers. That s highly discretionary and variable. Obviously, the more you buy, the more your daily average will be.
    • While alcohol is included, if you like to drink or go clubbing a lot, you re going to spend a lot. Summertime on the Greek islands is a bit hedonistic, so if that s your thing, bring extra money.
    • The prices here reflect the shoulder season. Greece s high season is July and August, and if you re going then, I d add a few extra euros a day to your budget.

    As you can see, Greece, like any country, has a wide range of budget options. You can do it on the cheap, or you can go nuts and spend a few hundred euros per day. It s all about how you travel. But I included Greece in the original article because when people think about Eurozone countries, they think expensive. While that s very true for many countries on the euro, it s not true for Greece. Compare those prices above with prices in Paris or Amsterdam or Rome, where hostels cost 20–30 euros per night, the cheap food is 5 euros, meals cost 10–15 euros, and beer is a lot more than 1–2 euros! I spent less on a hotel room in Athens than I did for a dorm room in Amsterdam. If you re looking for a budget destination in Europe. Greece is the perfect place to go. It may be on the euro, but that doesn t mean it s expensive.

    If you re planning a trip to Greece, consider reading my country and destination guide to the country. I visit every summer, so the information is fresh, accurate, and detailed.

    Want to share your tips and advice? Got questions? Visit the community forum to ask questions, get answers, meet people, and share your tips!