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Inside Mexico’s Drug Labs | Narco State | Sky News. # Video

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Camere di Commercio: Ravenna va con Ferrara – Buon Senso Faenza, camere di commercio news.

#Camere #di #commercio #news


Camere di Commercio: Ravenna va con Ferrara

Ravenna sarà con Ferrara: lok ufficiale arriva direttamente da Roma. Il ministro per lo sviluppo economico, Carlo Calenda, ha firmato martedì 8 agosto 2017 il decreto per la riforma e il riordino delle Camere di Commercio. Con gli accorpamenti e la rideterminazione delle circoscrizioni territoriali, il numero delle camere di commercio passerà da 95 a 60, così come viene ridefinito il numero delle aziende speciali, che passano dalle 96 attuali a 58. E in questo scenario, la Camera di Commercio di Ravenna sarà unita con quella di Ferrara.

Per Ferrara e Ravenna commissario ad acta è stato nominato Mauro Giannattasio, attuale segretario generale della Cciaa di Ferrara. Attraverso i commissari ad acta si provvederà ad agevolare l’istituzione delle nuove Camere di Commercio derivanti dagli accorpamenti previsti dal Piano di riordino. Viene salvaguardata la presenza di almeno una Camera di Commercio in ciascuna Regione, sulla base dei criteri stabiliti dal decreto legislativo n. 219/2016. La riforma mira ad un maggior dinamismo dell’intero sistema imprenditoriale, ridefinendone i punti di riferimento sul territorio, in ragione degli obiettivi e delle strategie comuni.

Riforma delle Camere di Commercio: la proposta di Unioncamere nel 2016

«Il decreto razionalizza e rende più efficiente l’intero settore – ha commentato il ministro Calenda -. Si è giunti a compimento di un percorso avviato nel 2016 sulla base della proposta di Unioncamere che ha come risultato un piano complessivo di razionalizzazione delle sedi delle singole Camere di Commercio. La riforma porterà risparmi importanti, una più razionale riallocazione del personale, maggiori servizi alle imprese e una rimodulazione dell’offerta anche in relazione alle opportunità del piano Industria 4.0».

Giannattasio: Lavoreremo perché la nua Camera sia subito operativa&

«Onorato della nomina – è il commento di Giannattasio – impiegherò ogni sforzo affinché la nuova Camera sia immediatamente operativa e utile alle imprese e al territorio in cui esse operano. Da questo punto di vista, fondamentale sarà la collaborazione, già in atto, con il personale camerale e il segretario generale di Ravenna, Maria Cristina Venturelli, alla quale mi legano da tempo sentimenti di stima profonda. Allo stesso modo lavoreremo in grande sinergia con le associazioni di categoria, le organizzazioni sindacali, dei consumatori e col mondo delle professioni dei territori coinvolti, che con i propri rappresentanti negli organi camerali indirizzano le politiche della Camera di commercio».


Finanza-Quotazioni-Azioni-Etf-Obbligazioni-Fondi-Notizie – Borsa Italiana, borsa news tempo reale.

#Borsa #news #tempo #reale


Finanza-Quotazioni-Azioni-Etf-Obbligazioni-Fondi-Notizie

Nessuna azione in rialzo

Nessuna azione in ribasso

Notizie dalle agenzie

Il carrello della spesa degli italiani

Parte la Milano Food Week, lappuntamento annuale per riflettere sui nuovi trend dellalimentazione e unoccasione per fare il punto su un settore trainante della nostra economia

CAFFÈ: Vige la cautela in attesa di segnali dal mercato

Il future del caffè si trova in una fase di rallentamento del down trend in atto ormai dal novembre del 2016. Una fase dunque di lenta accumulazione verso i minimi che però tarda a dare veri e propri segnali dinversione. La ragione di ciò è da ricercare sui fondamentali della materia prima.

Miglior rating ESG, migliore performance dellimpresa

Nuova conferma da uno studio di Banor SIM e del Politecnico di Milano

Per investitori che vogliono essere sereni in pensione

Scarica senza spese Il tuo piano pensionistico in 15 minuti, la guida redatta dalla società di Ken Fisher, famoso gestore finanziario.


Islington burst water main: More than 100 evacuated as homes flooded in affluent neighbourhood

#roads,london,news,flooding,standard,uk #news


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Islington burst water main: More than 100 evacuated as homes flooded in affluent neighbourhood

5 December 2016 • 3:33pm

M ore than 100 people were evacuated from an affluent area of north London after a burst water main caused severe flooding .

The neighbourhood of Islington – home to Boris Johnson, the Foreign Secretary – suffered widespread damage, with trees uprooted by water that left a sodden mass of mud and debris.

Six fire engines and three fire units from neighbouring boroughs were called to Upper Street at 5am after Carl Hufton, a pub owner, spotted the burst pipe while waiting for deliveries.

Thousands of gallons of water gushed into nearby properties, breaking basement windows and causing potentially hundreds of thousands of pounds of damage.

Firefighters carry an Islington resident to safety Credit: REX/Shutterstock

T he London Fire Brigade said that, at its peak, the water was two metres high in some basements.

Residents and shopworkers took refuge at the Steam Passage Tavern pub, which was offering soft drinks and cups of tea to those affected. Upper Street and some surrounding streets remained closed at 1pm and the fire brigade warned road users to avoid the area.

The road, which runs between Angel tube station and Islington Green has suffered major visible surface damage in photos that appeared on social media.

Flooded roads around the Upper Street area of Islington Credit: Metropolit​an Police/PA

T hames Water said in a statement: “We’re sorry to customers in the N1 postal code area who may experience no water.

We’re sorry for any inconvenience caused. We’ve stopped the flow of water and are now planning how best to repair it with as little disruption as possible.”

A lex Green, a 22-year-old student, saved his dog Sooty by carrying him upstairs just before his conservatory window broke.

We heard a bang and it all came pouring in, he said. The kitchen, lounge, larder and utility room have all been flooded.In the space of five minutes it went from a couple of inches to six, seven, eight feet high.

Flooding in Islington caused by a burst water main Credit: REX/Shutterstock/REX/Shutterstock

D aniel Omell, who works at Knight Frank estate agents, said: I still haven’t been allowed into the office to see the damage. We are still waiting for the fire brigade to give us access. All the businesses here are the same.

Camden Passage, home to trendy coffee shops, boutiques and Fredericks, a preferred restaurant of former Prime MInister Tony Blair and actress Gemma Arterton, was also badly affected by the flooding, but Angel station has remained open all day.

Counciller Richard Watts, leader of Islington Council, said:

We worked quickly to set up a rest centre for residents nearby and have helped those who have lost essential medication or prescription medicines in the flood.

We are in no doubt that this has caused a huge amount of damage and upset to people’s lives as they prepare for Christmas.

Thames Water’s loss adjustors are already talking to residents and businesses affected by the flooding, and we will support them as best we can.

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Know When it Makes Sense to Consolidate Student Loans – US News #pay #day #loans


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Know When it Makes Sense to Consolidate Student Loans

Consider the type of loan you have and your repayment history before seeking consolidation.

Gone are the days when it was generally a good idea for most federal student loan borrowers to consolidate their loans. The student loan world has changed significantly, eliminating two of the biggest benefits of consolidation.

First, most federal loans previously featured variable interest rates. These rates changed annually, so consolidation allowed borrowers to lock in historically low numbers. In July 2006, interest rates on new loans became fixed. Because consolidation interest rates take a weighted average of the underlying loan rates, borrowers no longer automatically get a lower rate by consolidating.

Second, in the past, it was common to have your federal loans held by multiple servicers. By consolidating, borrowers could pay one servicer instead of many. Now, most borrowers pay all their loans under one bill from the start, thanks mostly to efforts on behalf of the Department of Education.

With these benefits removed, borrowers may be wondering if consolidation is even worthwhile. For many, the answer is, not really. However, it can still be a useful tool for some. Here are some situations where it can make sense to consolidate student loans.

1. To o btain access to forgiveness or repayment benefits: Student loan regulations and laws are complicated, but sometimes that can work to the borrower’s benefit. This is true when it comes to consolidation, Parent PLUS loans and Public Service Loan Forgiveness.

While Parent PLUS loans are technically eligible for PSLF. it’s hard for borrowers to take advantage of this benefit. A borrower must make 120 payments under either a standard 10-year, income-based, income-contingent or Pay As You Earn payment plan to qualify for PSLF.

The catch is that Parent PLUS loans are not eligible for the three income-related payment plans. and a borrower paying under a standard repayment plan will have nothing left to forgive after 120 payments.

If you consolidate a Parent PLUS loan under the Direct Loan program, however, it becomes eligible for income-contingent repayment and therefore has the potential to be eligible for PSLF. If the borrower wouldn’t otherwise be eligible for PSLF, having access to this option could make payments much more manageable, especially if the borrower still owes money when he or she retires.

On a related note, as only Direct Loans are eligible for PSLF, borrowers with older Federal Family Education Loan Program loans can use consolidation to transfer those loans ​into the Direct Loan program to gain access to PSLF.

Consolidation can work the other way too, especially when it comes to Perkins loans. Many unique forgiveness opportunities available to Perkins loans are lost when they are consolidated, so make sure you do your research before taking this step.

2. To obtain a lower payment : While income-related payment plans provide much needed relief for many, those lower payment amounts may still be too high to manage. For those borrowers, especially those with lower loan balances, extending the term of the loan through consolidation may actually yield a lower payment than some other repayment options.

This calculator can help weigh all of those options at once. Just remember that the longer you take to pay the loan, the more you will pay in interest.

3. To manage private student loans: The benefits of student loan consolidation have increased when it comes to private student loans. While it is generally not advisable to consolidate federal loans ​with private loans since you’ll lose the federal benefits, consolidating your individual private loans may make sense.

There’s been a significant increase in lenders offering a private loan consolidation product. increasing the competitiveness of these products. Borrowers can often find a lower interest rate and more favorable terms, especially if they have a good payment history on their existing private loans to date.

At the very least, private loan consolidations can extend the term of your loans, lowering the payment. As we’ve discussed in the past. private loans have very few lower payment options. so consolidating to a longer term with a lower payment can sometimes be the only option available.

If you have good credit and payment history on the loans you want to consolidate, this can also be a way to release the co-signer​ from responsibility of those underlying loans. The co-signer will not automatically transfer to the new loan product, so if you do still require one to consolidate, you’ll need to find a new one, or ask your existing co-signer​ to re-up his or her commitment.

4.To get out of default: If you’ve defaulted on your federal student loans, consolidation is the fastest way to get the loan out of default. Consolidation is not as beneficial as loan rehabilitation, as consolidation doesn’t remove the default from your credit history. However, if you’re not eligible for rehabilitation or can’t take the time to complete that process, consolidation can get your loan back in good standing.

A good place to start to determine the pros and cons of consolidation will be your student loan holder, which will have a good understanding of how consolidation will benefit – or not benefit – your particular situation.



How to protect your child’s credit – FOX 14 TV Joplin and Pittsburg News Weather Sports #credit #card #consolidation #loan


#how to apply for student loans
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More from Bills.com More

By Andrew Housser

Identity theft is terrible when it happens to anyone. The consequences range from hassle to financial disaster. But what if someone stole your identity, and you had no idea, perhaps for years while the thief opened credit cards or secured vehicle loans, filed taxes and pocketed the refunds, or even took government benefits?

It is possible, particularly with children the group most at risk for this type of unrecognized theft. A 2011 study found that more than 10 percent of victims of identity theft were children. This makes children 51 times more likely to be victimized than adults. The tips below can help you protect the children in your life.

1. Know the warning signs.

Possible identity theft has warning signs. The most obvious is if a child begins to receive credit card or loan offers in the mail, or collection calls. Sometimes, a child receives a notice from the Internal Revenue Service about unpaid taxes. Others may be denied government benefits such as Medicaid because the Social Security number has been used. Sometimes, the theft goes undetected until a child applies for a driveR s license or bank account. A fraud victim may be denied because his or her Social Security number has been used with another name.

2. Check the child s credit reports.

Adults and minors older than age 14 can request free credit reports once per year from AnnualCreditReport.com or by calling 877-322-8228. Check your child s credit reports using his or her Social Security number. If no reports exist, the child s credit has never been used. This is an indicator that all is likely well.

3. Understand when a child might have a credit report.

Some minors legitimately have a credit report. In many cases, this is because parents have added a teen as an authorized user on a credit card account. Other minors may be joint account holders or have a small bill, such as a cell phone, in their names. In these cases, having credit reports is valid. Still, parents or guardians and teens should review the reports together to make sure they do not contain inaccurate information or errors. If you do spot an error, report it to the credit bureau in writing and request a correction.

4. Keep Social Security numbers secret.

Do not share your child s Social Security number, even with family members. If you receive information that any relevant data such as tax return, school or health insurance information has been exposed in a security breach, take necessary precautions with your child s information as well as your own. If you are asked for a Social Security number for identification purposes, ask if you can use only the last four digits, or see if you can identify the child in some other way.

5. Be especially careful regarding foster children.

Foster children are especially at risk of identity theft. This is because their information passes through many hands. Sadly, these children face even greater challenges if their identities are stolen. Fortunately, in 2011 Congress passed legislation requiring child welfare agencies to help foster kids check and repair their credit when they turn 16.

6. Handle fraud or identity theft quickly.

If you believe your child is a victim of identity theft, respond quickly. Contact each of the credit bureaus to report the fraud. Tell at least one of the credit bureaus to place a fraud alert on the account (one company will contact the others). You also should file a fraud report with the Federal Trade Commission (FTC) online or by calling 877-438-4338.

7. If a child already is a victim, consider a credit or security freeze.

A credit freeze shuts access to an existing credit file, making it impossible for anyone to open a credit card or loan using a Social Security number. If a child is a fraud victim, parents may opt to do this. You need to arrange the freeze individually with each credit bureau. See more details from the Identity Theft Network .

In addition, it s possible in some states for parents to proactively do a credit freeze for any child. If the child has no credit file, in these states, the credit bureau would create a file in order to place a freeze on it. Currently, legislatures have made these credit freezes available to parents or guardians in about 20 states. Be aware, however, that there is a downside to this option. Should someone try to apply for a loan using a child s stolen (but unfrozen) information, the lender will be informed that there is no credit history, and the applicant is a minor. This could result in the fraud being reported, and perhaps the thief s capture. With a freeze on the account, the lender would never be informed of attempts to use the number.

Fortunately, most children will avoid identity theft. For those who are victimized, the best defense is catching the situation early. By reporting the fraud, you can help salvage the child s credit profile in time for grown-up responsibilities such as a job application, student loan or car loan.

Andrew Housser is a co-founder and CEO of Bills.com. a free one-stop online portal where consumers can educate themselves about personal finance issues and compare financial products and services. He also is co-CEO of Freedom Financial Network, LLC providing comprehensive consumer credit advocacy and debt relief services. Housser holds a Master of Business Administration degree from Stanford University and Bachelor of Arts degree from Dartmouth College.



Best College Loan Advice: 9 Tips for Borrowing for College – CBS News #montel #williams #loans


#loans for college
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Best College Loan Advice: 9 Tips for Borrowing for College

  • Lynn O’Shaughnessy
  • MoneyWatch

Last Updated Apr 13, 2010 4:15 PM EDT

College loans . Yes, that time has arrived when parents of returning and new college students start thinking about applying for college loans. It’s also crunch time for graduating college students, who must begin repaying their college loans .

Unfortunately, many families get into trouble when they start shopping for college loans . When the college admission process is over, many parents are so relieved that they fail to do their homework before choosing college loans. College graduates also don’t give much thought to how they will tackle their college debt.

To help out families, who must borrow to pay the college, I’ve assembled some of my past college blog posts on student loans. Some of the posts will help you pick the best college loans and others will help those who must soon begin repaying their student loans.

There is no one right answer, but you will find links in this post to calculators that can help parents determine what level of college debt they can handle.

Students should limit their borrowing to federal loans only, which are safer and offer more protections than private student loans.

Federal loans are your best bet, but unfortunately many families gravitate to private loans because they don’t understand the difference.

In the early 1990s, only one out of every three college students took out college loans, but now well over half do.

There are federal student loan repayment opportunities that can dramatically shrink the monthly tab of eligible borrowers.

Don’t attend a college that has a high student loan default rate. Here’s how to find those default rates.

If you are struggling as you attempt to repay your student loans, here are some options.

Be extra careful about repaying student loans on time. The penalties can be astronomical.



Understand the Consequences of Student Loan Default – US News #home #mortgage #rates


#student loan default
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Understand the Consequences of Student Loan Default

The possibility of wage garnishment is just part of the headache.

​Recently, the New York Federal Reserve released some alarming information on student loan defaults that indicated up to a quarter of all borrowers from the last nine years have defaulted on their loans. The report also showed that up to 37 percent have missed at least one payment.

These numbers are much higher than the three-year cohort default rate measured and published annually by the Department of Education and show a growing trend of borrowers who are in need of information on how to use the lower payment and other options available for federal student loans .

Most struggling borrowers know that their loan is in default or at risk for going into default. so some of the consequences such as tax refund and wage garnishment may not be a surprise. But there are other consequences of defaulting on your federal student loan you may not be aware of.

There Will Be Fees​

If you ask federal student loan borrowers why they defaulted on their loans, nearly all would answer that they were in financial difficulty or couldn’t afford their payments. For a defaulted loan, it only gets worse.

First, the entire balance of the loan is due and payable immediately. There are no more monthly bills and no more lower payment options, as the loan loses eligibility for these benefits by being in default.

Second, any interest that was outstanding at the time of default will be capitalized, or added to the principal. This will increase your overall loan balance and cause you to have interest charged on interest, which is certainly not ideal.

The collection costs may be the biggest blow. Collection costs vary for different types of loans. For Perkins loans, these can be as high as 40 percent.​ ​For federal Stafford, PLUS, and consolidation loans. collection costs are as high as 24 percent ​, but can be discounted to 18.5 percent if the borrower consolidates out of default or as low as 16 percent if the borrower rehabilitates the loan​.

These costs can add up quickly. Let’s say you defaulted on your $25,000 federal loan after a year. This example loan has a 5 percent interest rate, so right away your loan holder will add $1,250 to the balance in capitalized interest, plus any late fee amounts they may have charged you along the way. Now add the 24 percent collection cost of $6,300, and your $25,000 balance has grown to $32,800 in a year.

These collection costs are set in federal law and regulation, so in most cases, there’s not a lot of wiggle room to negotiate these fees. Some loan holders will reduce these fees if you agree to pay the defaulted loan in full.

Expect Garnishments and Lawsuits

Federal student loan holders and the Department of Education can garnish your tax refund without any type of court order or legal action, although they will notify you ahead of time and give you the opportunity to appeal or resolve the default. If you filed your taxes with a spouse, their portion of the refund will also be garnished and put toward your defaulted student loan.

If having the refund garnished is a hardship, the borrower can try appealing to the loan holder to have some or all of it returned. Success in this case varies. The non-borrower spouse can also file an injured spouse claim to have his or her portion of the refund returned.

In general, defaulted student loans will be certified for tax offset after months of attempts to resolve the loan with the borrower with little or no response. Once a loan is certified for offset, it’s rare to have it removed unless and until the loan is either taken out of default or paid in full. They can also garnish your Social Security and other benefits.

Wage garnishment is another tool often used to collect defaulted student loans. Affected borrowers are sent notification at least a month prior to the beginning of the garnishment and given the borrower an opportunity to appeal. Loan holders, with some exceptions, may garnish up to 15 percent of a borrower’s wages.

If these tactics prove unsuccessful, the U.S. Department of Justice may decide to sue the defaulted loan borrower for payment. This action can add significantly more fees and put your assets at risk, but is rarely taken due to the other tools the government has to collect these loans.

Other Consequences

One of the more well-known penalties of student loan default is being unable to take out additional financial aid. This can be sort of a no-win situation if you were in financial difficulty in the first place because you did not complete your credential or you need an advanced degree or certificate. Defaulting can also tank your credit score.

Some state boards are even allowed to revoke or suspend a license to practice certain professions in their state for borrowers with defaulted federal student loans. This can include medical professionals, teachers, state officers and attorneys.

Solutions and Fixes

If you’re having financial difficulties, call your loan holder. If the loan isn’t in default yet, there are many lower payment, deferment and other options available that can help prevent that from happening – but you need to reach out.

Most of the defaulted borrowers that the Student Loan Ranger encounters could have prevented the default from happening if they’d just allowed their loan holder, or other industry advocate, to work with them.

If you have already defaulted, you can resolve the default through rehabilitation, consolidation or by paying the loan in full.



Drowning in student loan debt? Here – s help – NBC News #types #of #loans


#help with student loan debt
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Drowning in student loan debt? Here s help

Gan Golan, of Los Angeles, dressed as the Master of Degrees, holds a ball and chain representing his college loan debt. Jacquelyn Martin / AP

As college students start the fall semester, millions of graduates (and drop-outs) struggle to pay off a mountain of student loan debt – more than $1 trillion dollars, according to the Student Loan Debt Clock. That’s more than all the credit card debt Americans owe.

College seniors who graduated with student loans in 2010 owed an average of $25,250, according to the latest data from The Project on Student Debt. That’s up five percent from 2009.

And these days, a college degree doesn’t guarantee employment, let alone a good-paying job.

“You don’t realize the seriousness of paying back that loan until you finish school,” said Langdon Bueschel of Seattle, who needed financial aid to attend the University of Washington.

When he graduated in 2008, Bueschel had a degree in English and $12,000 in student loan debt. He has a job designing online advertising, but most of his money goes to living expenses. Because he missed so many payments, his balance now stands at $18,000 and counting.

“I could have been more responsible and paid more quickly,” he admitted, “but sometimes things come up.”

The most recent report from the U.S. Department of Education found that more than 320,000 borrowers had defaulted on their student loans as of September 2010. That is, they were 360 days or more late in making their payments.

Can’t handle your student loan payments?

You may have options and there’s an easy way to find them. The Student Debt Repayment Assistant on the Consumer Financial Protection Bureau (CFPB) website can help students – and their families – figure out the best repayment options and what to do if they’re behind in their payments.

“You just answer a few questions and we’ll be able to point you to the best repayment program or action you should take in order to best manage your debt,” said CFPB student loan ombudsman Rohit Chopra.

First, you need to know what type of loans you have – government, private or both – because the remedies are different. Not sure? The Student Debt Repayment Assistant has a link to the National Student Loan database where you can find out.

“We can lead you in the right direction for the income-based repayment program on federal loans and we can tell you how you might negotiate with your private student lender,” Chopra explained. “Let’s say you’ve fallen behind like so many people have, we can even tell you about ways to negotiate with debt collectors and maybe even get your credit report fixed so you can get back on track.”

Of course, nothing’s guaranteed. But your chances of modifying the repayment terms are fairly good with a student loan from the federal government. Private lenders are generally not as willing to help. Still, it’s worth a try.

“Options vary by lender, but many private student loan programs offer borrowers a partial forbearance during which the borrower makes interest-only payments for a short period of time until the borrower can get back up on his or her feet,” said Mark Kantrowitz, publisher of FinAid.org and Fastweb.com. “This keeps the loan balance from growing bigger and digging the borrower into a deeper hole.”

Kantrowitz points out that some private lenders may make reductions in the loan balance or interest rate when the hardship is of a more permanent nature and they know they are unlikely to recover the full amount owed.

Remember: it is virtually impossible to discharge any type of student loans in bankruptcy. This obligation stays with you forever.

More information:



Missouri payday lenders shift to installment loans: News #easy #payday #loans


#payday installment loans
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Walker Moskop

Payday lending volume in Missouri has declined significantly in recent years, according to a state survey released this month.

On first appearance, the survey would appear to be good news to consumer groups that are fighting to limit the availability of high-interest, short-term loans. They argue the loans lure cash-strapped borrowers into cycles of debt.

But the survey numbers paint an incomplete picture.

While payday loan volume and the number of payday loan storefronts have dropped, the number of consumer installment lenders has surged.

Installment loans in Missouri are typically larger than payday loans and are repaid in installments spread across a period of at least 120 days, rather than being due in full after two weeks, such as with payday loans. Both types of loans can have high interest rates when charges are annualized.

“We have seen a massive increase in the number of products that aren’t classified as payday loans,” said Molly Fleming, who leads a payday loan reform campaign for the PICO National Network. She was heavily involved in a 2012 statewide initiative in Missouri to cap interest rates on loans at 36 percent. The measure, which faced well-financed industry opposition, failed to get on the ballot.

The biannual survey from the state division of finance showed the number of payday loans issued in 2014 had dropped 20 percent since 2012, from 2.34 million loans to 1.87 million loans. That’s well below the 2006 total of 2.87 million. And the number of lenders declined from a 2006 peak of 1,275 to 838, as of Thursday.

But the state doesn’t track consumer installment loans, a product that many lenders are moving to in the face of growing public criticism and regulatory scrutiny.

At the end of 2008, 569 companies were registered as installment lenders. Now, there are 980. Many storefronts across the state offer both products.

Missouri places no caps on interest rates for installment loans, and the state doesn’t track the volume of lending or the typical interest charged on the loans.

Some installment lenders do check borrower credit and income. Interest rates can vary from less than 36 percent, Fleming said, to well into the triple digits.

One of the state’s largest installment lenders, Advance America (also the nation’s largest payday loan company), offers online installment loans with annual interest rates just shy of 300 percent. According to its site. someone who takes out a $1,000 loan in Missouri and repays it in 13 twice-monthly installments would pay $838 in financing charges.

Many state legislatures in recent years have passed measures to rein in payday lending. While Missouri places few restrictions on payday loans, lenders have been wary of eventual action from the federal Consumer Financial Protection Bureau, which is expected to soon release draft regulations aimed at limiting payday loans and potentially other types of short-term loans.

As a result, many companies nationwide have shifted their focus to products that fall under less regulatory scrutiny, said Nick Bourke, a researcher at the Pew Charitable Trusts.

Though installment loans don’t come with the balloon payments that so many payday borrowers struggle with, large origination fees and high interest rates are still possible, Bourke said. “In a state like Missouri, the proper protections are not in place.”

Another of the state’s largest payday and installment lenders is Overland Park, Kan.-based QC Holdings. which has about 100 locations in Missouri.

In a filing with the Securities and Exchange Commission, the company noted that “higher fees and interest from our longer-term, higher-dollar installment products” was helping offset flagging payday loan revenue, which was in part due to the company’s efforts to transition some payday loan customers to installment loans.

According to the filing, the share of the company’s revenue and profit derived from Missouri dropped slightly through the first nine months of 2014 compared with the year before. The company’s general counsel, Matt Wiltanger, attributed the decline to the migration of customers online, to lenders that he said are often unlicensed and unregulated.

Wiltanger declined to discuss the company’s installment revenue, which had grown by 30 percent through the first nine months of 2014.

Payday lenders have long argued that the demand for their products reflects a lack of access to other forms of credit, and that cracking down on them won’t change the fact that millions of Americans are struggling to make ends meet. Lenders have asserted if federal rule changes make loans unprofitable, it will eliminate the only means of borrowing for some consumers.

The Consumer Financial Protection Bureau doesn’t have the ability to place interest rate caps on loans, but it can take other steps. Fleming hopes the bureau will require lenders to take into account a borrower’s ability to repay and remove their ability to access a borrower’s bank accounts, among other measures.

Last year, the Missouri Legislature passed a bill that would have prohibited payday loan renewals and would have lowered the fees that could be charged. Consumer advocates said the bill was riddled with loopholes and called it fake reform. Lenders didn’t bother to lobby against it, and Gov. Jay Nixon vetoed it.

According to state data, the typical payday loan is for $310 and carries an annual interest rate of 452 percent once fees are annualized. That translates to a little more than $17 for every $100 borrowed, assuming the loan isn’t rolled over, which leads to more fees. The typical loan is rolled over between one and two times.

A House bill has been filed this session that proposes capping annual interest rates for payday, installment and title loans at 36 percent. Fleming praised the measure, but acknowledged it’s unlikely to go anywhere.

Another bill passed in the House on Thursday could raise the maximum fee that can be charged on loans with terms of more than 30 days, which would include installment loans, from $75 to $100.

This map shows the locations of all licensed payday and consumer installment lenders in Missouri as of the end of January. It doesn’t account for online lenders. Zoom out to see other parts of the state. Read more about payday lenders shifting to installment loans here.

Loan types

Maximum loan is $500; average loan amount is $310



Mom-And-Pop Loan Sharks Being Driven Out By Big Credit-Card Companies – The Onion – America s Finest News Source #same #day #loans


#loan shark
#

Mom-And-Pop Loan Sharks Being Driven Out By Big Credit-Card Companies

PHILADELPHIA Frankie “The Gorilla” Pistone leans wistfully on his bat. Then, without warning, he picks it up, swinging it furiously toward his deadbeat client’s leg. Just before the Louisville Slugger makes contact with the man’s kneecap, he pulls back, as only a real pro can, leaving the $250-in-the-hole man gasping in fear and relief. “Just get it to me by tomorrow, because next time, I ain’t gonna let up,” Pistone says.

Loan shark Frankie Pistone, whose way of life is endangered by the likes of American Express.

As the thankful man scurries off, Pistone pulls the cigarette out of his mouth and drops it to the ground. “I’m going to miss this,” he says.

Frank Pistone is part of the dying breed known as the American Loan Shark. Not so long ago, the loan shark flourished, offering short-term, high-interest loans to desperate people with nowhere else to turn. Today, however, Pistone and countless others like him are being squeezed out by the major credit-card companies, which can offer money to the down-and-out at lower rates of interest and without the threat of bodily harm.

“It’s a damn shame,” said Joseph Stasi, 61, a South Philadelphia loan shark whose business is down 90 percent from its mid-’70s heyday. “These days, there’s just no place for the small businessman. My kind, we just can’t compete with the Visas and MasterCards of the world.”

“The old customers don’t come ’round here no more,” said Felix Costa, 59, speaking from the Elizabeth, NJ, pool hall that has served as his place of business since 1972. “Time was, a guy who needed a quick $400 for a new refrigerator or some car repairs would come straight to me. Now, he just puts it on his Discover card.”

Though their client lists are dwindling, the loan sharks still have their champions.

“Call me old-fashioned, but I prefer the loan sharks to the credit-card companies,” said Gene Hobson of Detroit. “When I borrow money from Three Knuckles Benny, I know there’s going to be a personal touch, whether it’s a dead animal on my doorstep or one of my kids coming home with a missing toe. The credit cards just don’t give you that sort of individualized attention. And, if you’re late with them, it’s a form letter and maybe maybe an irate call from the accounts-receivable department.”

“With our overhead, we need to charge a 50 percent weekly interest rate just to break even,” said a Chicago loan shark who identified himself only as “Johnny Toothpick.” “We’ve got rent, pay-offs, and switchblade maintenance, not to mention travel expenses. How can we compete with rates as low as 18 to 26 percent a year?”

Continued Toothpick: “These [credit-card companies] are monsters. They care nothing about the damage they’re doing to the American landscape by driving us out. Loan sharking was about more than giving people money and roughing them up when they didn’t come through. It was about ruffling a kid’s hair on the street, helping out a local fella who needed a break, and occasionally letting somebody off easy with just a couple of punches to the gut instead of a glass-filled sock to the face. It’s a unique part of our shared national experience that, once extinct, will never come back.”

With nearly 200,000 new credit-card solicitations going out every week, the loan sharks have little hope of regaining the ground they’ve lost.

“We were going by word of mouth, and we did pretty good around the neighborhood,” Pistone said. “But these credit cards? With direct mail and the Internet, they reach a customer base we can only dream about. In this business climate, how can a small, independent goon possibly compete?”



4 Must-Know Facts About Obama – s New Student Loan Plan – US News #loan #repayments #calculator


#student loan interest calculator
#

4 Must-Know Facts About Obama’s New Student Loan Plan

Nearly 5 million borrowers could be affected by expanded Pay As You Earn eligibility.

President Barack Obama announced some big news this week that stands to help many student loan borrowers ​​​​​​​​​​​​​.

Most people met the president’s proposed changes with excitement, even though it seemed like many didn’t exactly understand what the changes were or, even more importantly, how the changes may apply to them. So, let’s answer some big questions about the president’s executive action.

1. Will these updates help me? If you have federal student loans, maybe. With his executive action, the president expanded the existing Pay As You Earn program available to federal student loan borrowers.

Currently, this plan caps monthly payments at 10 percent of a borrower’s disposable income and forgives the balance after 20 years of payments. Those aspects of this plan won’t change.

What will change is the number of borrowers who can take advantage of this option. Currently, only newer borrowers are eligible for this plan. However, starting in 2015, borrowers who took out loans before October 2007 or stopped borrowing by October 2011 will now be eligible. Government officials estimate this number to be 5 million people.

2. How much could I save? Now, most federal loan borrowers are eligible for income-based repayment – a different repayment plan that has the same premise as Pay As You Earn.

Unlike Pay As You Earn, IBR caps payments at 15 percent of one’s disposable income and forgives the balance after 25 years of payments. Those differences could mean a lot, both in monthly payment amount and in the total amount paid over time.

For instance, consider a borrower who owes $55,000 at a 3.41 percent interest rate, has an income of about $35,000 per year, and is not married and has no other dependents. Here’s what that person’s payments would look like under three different payment plans:



5 Warning Signs of a Bad Credit Card – US News #student #loans #rates


#bad credit cards
#

5 Warning Signs of a Bad Credit Card

Don’t be duped by a horrible offer.

It doesn’t take much effort to find dozens or even hundreds of credit card offers. All you have to do is visit the websites of the largest credit card issuers, such as JP Morgan Chase, Citibank and Bank of America. Add to that the Visas and MasterCards available from major retailers, hotel chains and airlines, and it’s easy to find yourself awash in offers.

Naturally, some offers are better than others. It’s often tricky to determine what the best offer is, but there are a few warning signs of an offer that’s not as good as others. Here are five clear signs of a credit card you should skip right past.

No bonus rewards. Reward programs are common features of credit cards. They offer you some form of reward or rebate for purchases made on the cards.

Reward credit cards come in a variety of shapes and sizes. Some provide discounts at specific retailers. For example, the Target Visa gives you 5 percent off on all purchases at Target. Various gas station chains offer as much as 25 cents per gallon in rebates when you use their particular Visa or MasterCard to buy gas. Other cards offer points that can be used in various ways. Some hotel chains, for instance, offer cards that generate points with each purchase and can be exchanged for a free night of lodging at one of the hotels in that chain.

If you’re smart, a good rewards program can easily help you save on everyday purchases. There are multitudes of cards out there that offer at least some kind of rewards program, so there’s no reason to accept a card that offers you nothing in return for using it.

High APR. If you carry a balance on your card from month to month, you’re going to face interest charges. The higher the APR on your card, the more interest you’re going to pay each month on a particular balance.

Let’s say you have a 19.9 percent APR on a card with a $1,000 balance, and your monthly minimum payment is 4 percent of your balance. In that case, to pay off the card, you’ll pay $40 a month, but it will take 73 months. You’ll also end up paying a total of $1,556, which translates to an extra $556 in interest.

If you simply reduce the interest rate to 9.9 percent APR (and leave the other factors the same – a $1,000 balance and a 4 percent monthly payment), things change quickly. You’ll still pay $40 a month, but you’ll end up paying off the card in 58 months. Your total payment will be $1,209.11 – only $209.11 paid in interest.

Therefore, if you carry a balance, a high APR is something to avoid because a lower APR will directly save you money. (Of course, it’s better to simply not carry a balance.)

Low credit limit. Each credit card offer comes with a credit limit that indicates the maximum amount of credit you can use on that card. While it’s rarely a good idea to use a card up to the credit limit, there are times when that flexibility can help.

For example, if you’re going to make a major purchase like a laptop, it’s nice to have the consumer protection that a Visa or MasterCard offers, but if your credit limit is too low, you can’t simply buy it with a swipe of the card.

A higher limit can also help improve your credit score, since scores factor in credit card utilization rates (the ratio of your balances to credit limits).

The bottom line: If your card offer limits your credit to $250 or $500, look elsewhere.

High fees and penalties. Credit card companies make a lot of money from fees. Fees for balance transfers, cash advances, cash withdrawals from ATMs, payment by phone, online payments – if there’s a way to charge you, they will.

That’s why it pays to look at the fine print. If you find that a card will charge you fees for all of these things – particularly for things you are likely to do, like transferring balances – skip it and move on to the next offer.

Variable interest rates. This is a particularly pernicious trick that some credit card companies like to use. They’ll advertise a very low initial rate, but it turns out that it’s a variable rate they can change at will. Trust me, they will change it, and it will cost you.

You should look for fixed-interest rate cards, even if they’re a bit higher than variable rate cards. Still, be careful – there are situations when companies can change the rate on a fixed rate card. Be aware of those situations by reading the documentation that comes with your card.

If you avoid these five warning signs of a bad credit card, you’ll wind up with a card that’s right for you .



Private college loans: 7 things you need to know – CBS News #interest #free #loans


#school loans
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Private college loans: 7 things you need to know

  • Lynn O’Shaughnessy
  • MoneyWatch

Mar 27, 2012 4:53 PM EDT

CD Close

iStockphoto

(MoneyWatch) If you have to borrow for college, the best college loans are the ones available through the federal government, which provide the same student loan rates and terms for everyone.

If you are interested in pursuing private college loans. you need to proceed carefully. Here are seven things you need to know when shopping for private loans.

1. Turn to credit unions.

Credit unions, which are newer players in the private student loan world, almost always provide better interest rates. Ironically most people stick with the well-known lenders even though their rates are typically higher. You can look for college loans at credit unions through cuStudentLoans .

2. Check for schools that have their own credit unions.

If your school is affiliated with a credit union, check its rates. Here are institutions that have a credit union:

Harvard University

University of Chicago

Amherst College

Hampshire College

Mount Holyoke College

University of Wyoming

MIT

University of Kentucky

Princeton University

California State University system

Eastern Iowa Community Colleges

Canada College

3. Apply for multiple loans.

At AllTuition. a private college loan comparison site, parents research many loans, but rarely apply for more than one. Unfortunately, borrowers won’t know what rate they qualify for unless they apply. It’s well worth the effort.

“A family taking out a $12,000 private loan is paying $5,000 more in interest because the parents aren’t taking 30 minutes to shop and they only complete one application,” says Sue Kim, Alltuition’s CEO.

4. Don’t assume you’ll get the lowest rate.

The teaser rate on private loans can look much more attractive than federal college loans. For instance, the interest rate for the federal PLUS Loan for Parents is 7.9 percent vs. some advertised rates of 3.5 percent or 4 percent. Mark Kantrowitz. the publisher of FinAid. however, estimates that fewer than 5 percent of borrowers capture the best rate.The difference between the lowest rate and the highest rate at an individual lender can be huge.

5. Use loan search engines.

Here are three online tools to find private student loans:

6. Ask the right questions.

Before committing to a private loan, ask these questions:

1. What is the interest rate?

2. Is the rate fixed or variable?

3. Is there an interest-rate cap?

4. What is the total cost of the loan?

5. Does the loan have borrower rewards?

6. What are the student loan deferment options both during and after school and are there any hardship waivers?

7. Are there any additional fees?

8. How difficult is it to consolidate loans and cut interest rates after graduation?

9. Does the loan offer penalty-free pre-payments?

10. How long is the grace period?

11. What are the borrowing limits?

7. Borrow responsibly.

Don’t borrow too much. Sure, college is a great investment, but you don’t want to hamstring yourself by graduating with too much debt. It’s much easier to borrow too much through private loans because they have higher borrowing limits.

Use the student loan calculator at Mapping Your Future to estimate how much your repayments will be.



Explore Graduate Student Loan Options for 2014 – US News #medical #school #loans


#graduate school loans
#

Explore Graduate Student Loan Options for 2014

Graduate and professional students have several private and federal loan options available.

Unlike undergraduates, who can qualify for Pell Grants and other subsidies, student loans are the primary financial aid vehicle for graduate students. Fortunately, grad students have several funding options to choose from.

• Stafford loans. Most graduate students can borrow up to $20,500 a year in federal Stafford loans and cannot exceed $138,500 between undergrad and grad school. Those limits jump to $47,167 annually, with a lifetime cap of $224,000, for students in certain health fields.

Graduate students only qualify for unsubsidized Stafford loans, which begin accruing interest immediately. Student loan legislation passed in August 2013 tied federal student loan interest rates to the interest rate on the 10-year Treasury note. As the rate on that note increases, so do the interest rates on Stafford loans and Direct PLUS loans.

Interest rates for new loans are determined as of June 1 each year and locked in for the life of the loan. The rate for graduate Stafford loans is equal to the rate of the Treasury note, plus 3.6 percent, and is capped at 9.5 percent. Grad students who borrowed a Stafford loan for the 2013-2014 school year did so at an interest rate of 5.41 percent. Stafford loans come with federal loan benefits, including flexible repayment plans and certain loan forgiveness programs .

• Graduate PLUS loans. Students can cover their entire out-of-pocket costs each year – including living expenses – via the PLUS loan program. Unlike other federal loans, borrowers must pass a credit check, and those with an account in collections or a bankruptcy on their record may be denied.

Like Stafford loans, the interest rate on new PLUS loans is determined annually using the rate on the 10-year Treasury note as of June 1. Graduate students will pay that rate plus 4.6 percent, with a cap of 10.5 percent. Grad PLUS loans borrowed for the 2013-2014 school year have an interest rate of 6.41 percent. The interest rate is locked in for the life of the loan.

Grad PLUS loans also qualify for federal repayment options such as graduated or income-based repayment, as well as loan forgiveness.

• Perkins loans. Graduate students with limited financial resources may qualify for a Perkins loan, but experts warn that these funds are few and far between. While the Perkins loan is a federal program, the funds are doled out by the institution and loan payments are made directly to the school.

Qualifying students can receive up to $8,000 a year in Perkins loans, which come with a fixed interest rate of 5 percent. Unlike Stafford and PLUS loans for graduate students, interest on Perkins loans does not begin accruing until nine months after graduation.

• Private loans. In some cases, students can borrow loans with interest rates starting as low as 2.25 percent. But if the rate is variable it can change dramatically over the course of the loan, and students could wind up paying a lot more than they initially planned.

Several private lenders, such as Wells Fargo and Sallie Mae, also offer loans with fixed interest rates, which may be lower than the rates available via federal PLUS loans. While the loans may seem enticing, students should fully understand the terms of the loan before signing on the dotted line, says Justin Draeger, president and CEO of the National Association of Student Financial Aid Administrators.

We almost always say that students should be choosing federal loans over private, Draeger says.

Students who plan to take out a private loan should look for one that mimics the benefits offered with Stafford and PLUS loans, including a grace period for repayment and protection against income loss, he says.



Orlando-bound Southwest flight makes emergency landing #flight,southwest,airplane,emergency #landing,san #antonio,jacksonville,orlando,travel,local,top #stories,news,orange #county


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Orlando-bound Southwest flight makes emergency landing

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  • Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


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    Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

    An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

    You can use this program if:

    • You and the person you want to divorce are over 18 years of age,
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    Download and print the checklist of information you will need to complete this program.

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    About DIY Forms

    Who Can Use These Programs?
    You can use DIY Forms if:

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    • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

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    Top 10 Best Finance Apps for Android #best #finance #apps #for #android #2013, #best #finance #apps #for #android, #best #finance #apps #for #android #tablet, #best #finance #apps #for #android #phones, #best #financial #apps #for #android, #best #financial #news #apps #for #android, #best #financial #planning #apps #for #android, #best #personal #finance #apps #for #android, #finance #apps #for #android, #finance #apps #for #android #phones, #finance #apps #for #android #tablets, #finance #apps #for #android #market, #android #finance #apps #free, #android #finance #apps, #android #finance #apps #2013, #free #finance #apps #for #android, #free #finance #apps #for #android #tablets, #free #finance #apps #for #android #phones, #download #free #finance #apps #for #android, #download #free #finance #apps #for #android #tablets, #download #free #finance #apps #for #android #phones, #download #free #finance #apps #for #android #mobile, #top, #best, #free, #finance, #apps, #android, #2013, #top #finance #apps #for #android, #top #finance #apps #for #android #2013, #top #10 #finance #apps #for #android, #bank #of #america #android #app #on #google #play, #chase #android #app #on #google #play, #discover #android #app #on #google #play, #e-trade #android #app #on #google #play, #geico #android #app #on #google #play, #google #finance #android #app #on #google #play, #google #wallet #android #app #on #google #play, #mint #android #app #on #google #play, #paypal #android #app #on #google #play, #usaa #android #app #on #google #play, #bank #of #america #android #app, #chase #android #app, #discover #android #app, #e-trade #android #app, #geico #android #app, #google #finance #android #app, #google #wallet #android #app, #mint #android #app, #paypal #android #app, #usaa #android #app, #bank #of #america, #chase, #discover, #google #play, #e-trade, #geico, #google #finance, #google #wallet, #mint.com, #paypal, #usaa


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    Top 10 Best Finance Apps for Android

    Chase Mobile lets customers manage their banking 24/7 from their phones. View accurate account balances and viewing history, transfer funds between both savings and checking accounts, and make quick deposits no matter where you are. Search for the nearest Chase bank branch and ATMS. Connect with Chase representatives while on the go. You can download Chase Mobile from the Google Play Store here.


    BP Stock Price & News – BP PLC ADR – Wall Street Journal, bp in the news.#Bp #in #the #news


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    BP PLC ADR BP (U.S.: NYSE)

    Volume 3,684,679
    AFTER HOURS Vol 23,800
    • Open 34.92
    • Prior Close 34.77 (09/01/17)
    • 1 Day
    • BP 0.52%
    • DJIA -1.07%
    • S P 500 -0.76%
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      BP Swings Back to Profit on Higher Crude Prices

      • Dow Jones Newswires
      • 07/31/17
      • Dow Jones Newswires

      Stocks Rise on Earnings, Commodities Strength

      • Dow Jones Newswires
      • 07/28/17
      • Dow Jones Newswires

      ADRs End Mostly Higher

      • Dow Jones Newswires
      • 07/26/17
      • Dow Jones Newswires

      Investors to Big Oil: Restrain Yourselves

      • Dow Jones Newswires
      • 07/26/17
      • The Wall Street Journal

      Investors to Big Oil: Restrain Yourselves

      • The Wall Street Journal
      • 07/24/17
      • Dow Jones Newswires

      Western Union Opens New Front in Cash-Transfer War: Gas Stations

      • Dow Jones Newswires
      • 07/24/17
      • The Wall Street Journal

      Western Union Opens New Front in Cash-Transfer War: Gas Stations

      • The Wall Street Journal
      • 07/20/17
      • The Wall Street Journal

      BP Said to Be Shopping Its North Sea Oil Fields

      • The Wall Street Journal
      • 07/18/17
      • Press Release

      Technical Research on Oil Gas Equities — Encana, Exxon Mobil, BP PLC, and Chevron

      • Press Release
      • 07/15/17
      • Barron s

      8 Great Energy Stocks at Bargain Prices

      • Barron s
      • 07/12/17
      • Dow Jones Newswires

      ADRs End Higher; Royal Bank of Scotland, Petrobras Trade Actively

      • Dow Jones Newswires
      • 07/12/17
      • Dow Jones Newswires

      Iran Optimistic, But Big Oil is Shy

      • Dow Jones Newswires
      • 07/12/17
      • The Wall Street Journal

      Big Oil Stays Wary on Iran

      • The Wall Street Journal
      • 07/10/17
      • Dow Jones Newswires

      U.A.E. s Main Oil Company Eyes Partnerships, Listing Some Businesses — Update

      • Dow Jones Newswires
    P/E Ratio (TTM)
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    Money flow gives a snapshot of relative buying and selling pressure in a stock. A ratio above one suggests greater buying pressure, below one suggests greater selling.

    Competitors BP

    ENI S.p.A. ADR

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    Exxon Mobil Corp.

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    REPYY

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    LUKZY

    Lukoil PJSC GDR 144A

    • More information on BP
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    Profile BP

    BP Plc operates as an integrated oil and gas company worldwide. It operates through three segments: Upstream, Downstream and Rosneft. The Upstream segment engages in the oil and natural gas exploration, field development, and production; midstream transportation, and.

    1 St. James Square

    London London South East SW1Y 4PD

    Research Ratings BP PLC ADR BP

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    BP will report FY 2017 earnings on 02/06/2018 BP will report Q3 earnings on 10/31/2017

    Financials BP PLC ADR BP

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    Austin sex assault suspect previously deported five times #jennifer #kendall,jennifer-kendall,local #news,home


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    Austin sex assault suspect previously deported five times

    Related Headlines

    U.S. Immigration and Customs Enforcement said a man accused of serial rape in the Austin area was deported five times before his most recent arrest in August.

    Nicodemo Coria-Gonzales faces six charges including aggravated sexual assault and kidnapping.

    In one case, a victim told police he poured gasoline on her and tried to set her on fire.

    Police said Coria-Gonzalez admitted he had picked up prostitutes and beat them out of anger. He is currently being held without bond on an immigration detainer.

    There s bad, really bad people, who want to do us real harm who are coming at us from all different directions north, south, east and west, said Immigration specialist Thomas Esparza, Jr.

    If the allegations against him are true, Nicodemo Coria-Gonzalez illegally immigrated to the United States six times and then sexually abused several women.

    If that guy came back, he came back to do us ill, but there s not that many people who are able to come back that often and that successfully. That s the kind of person that even immigration lawyers are going to say, You know, he should be prosecuted, said Esparza.

    In August, Coria-Gonzalez was arrested after a woman told police he tried to set her on fire. While investigating, officers realized he had sexually assaulted several women in a secluded area off Ferguson Lane.

    Investigators also learned Coria-Gonzalez had previous charges that convinced U.S. Immigration and Customs Enforcement to deport him five times.

    Five times deported and he s still here? What did he do the first time to get himself deported? And why didn t he learn after the second or the third or the fourth time? But already five times. And he s still back. He s a determined son of a gun, but at some point the dance is over and so, unfortunately, the dance is going to be over for him and he s going to be in jail, Esparza said.

    ICE said Coria-Gonzales was previously convicted of criminal charges including three charges of driving while intoxicated.

    After each conviction he was extradited to Mexico. That never kept him from illegally crossing the border back into the United States.

    Every time you commit that offense the range of punishment gets higher and higher, but that s not enough to deter some people who really want to be here no matter what. And so if the punishment doesn t deter them, I don t know what will, said Esparza.

    Coria-Gonzalez is now considered an ice enforcement priority.

    Police believe there may be more victims that are afraid to come forward. They encourage them and anyone with information about these crimes to call the Austin Police Department.



    Counterintelligence Courses and Briefings – CI CENTRE #counterintelligence,counter-intelligence, #counterintel,counterespionage,spy, #espionage, #spies, #spying, #counterintelligence #training,ci, #ci #centre, #education, #training, #courses, #briefings, #awareness, #consulting, #database, #cases, #spy #cases, #espionage #cases, #security #cases, #leak #cases, #illegal #export #cases, #homegrown #jihadists #cases, #terrorism #cases, #defectors, #foreign #intelligence #officer #cases, #venona #spies, #encyclopedia,research, #analysis, #counterterrorism,counterterrorism #training,investigations #training, #opsec #training,interview #skills, #security,security,inspections,inspectors,interviewing #training,security #awareness,spydrive,intelligence,national #security,defense,fbi,cia,military #intelligence,counterintelligence #academy,gsa #schedule, #economic #espionage, #foreign #intelligence #services,law #enforcement,intelligence #speakers #bureau, #homeland #security,cross #cultural #awareness, #commercial #off #the #shelf #training, #cots, #history, #quotes, #calendar, #events, #videos, #podcasts, #membership, #community,cyber,cyberespionage,kgb,svr,insider #threats, #centre, #opsec, #cicentre, #ci #news, #ci #center,news,intelligence #history,


    #

    The CI Centre has over 50+ already-developed commercial off-the-shelf (COTS) training courses and briefings which can immediately be provided to your organization. They are conveniently on the GSA Schedule for quick, easy and immediate ordering at the best price already negotiated by the US Government.

    Since 1997, we have provided this training to over 70,000 Intelligence Community, Military, Law Enforcement and Corporate clients—and have consistently received the best course feedback by these attendees.

    We can provide the courses at your organization’s location or at a third-party facility.

    Your employees will benefit by learning directly from our world-class team of experts who each have 25-40+ years of real-world experience and expert knowledge to share in the counterintelligence, counterterrorism, investigations and security fields.

    As a manager, you will benefit from the rave course reviews, increased interest and buy-in to CI, CT and security, and a valuable workforce that is more aware of potential threats. Plus, the CI Centre is a turnkey company, meaning you can let us handle everything from registration to certificates.

    Let’s talk about how your organization can receive immediate, needed training by scheduling one or more of our courses and briefings for your employees. Call us at 1-800-779-4007 or 703-642-7450 or use our Contact Us form.

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    • Our COTS training courses have already been fully designed and developed. Your organization does not pay for the design and development costs because these are COTS courses.

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    • With set prices for the COTS courses, ordering is quick, easy and efficient. No need to write or issue Statements or Work, Request for Proposals or Bids, or conduct surveys—GSA has already negotiated the best price for the US Government. GSA Contract Number: GS-02F-0210R. Schedule 874 Mission Oriented Business Integrated Services (MOBIS) under name of parent company David G. Major Associates, Inc.

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    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


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    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



    2004 Acura TSX #car #reviews, #automotive #reviews, #automotive #news, #2004 #acura #tsx


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    2004 Acura TSX

    The one consistent truism in the modern car business is this: To say unkind things about the BMW 3-series is to reveal yourself as an infidel or idiot. Possibly both.So pervasive is the acceptance of 3-series superiority in sports sedans that seemingly not a month passes when some carmaker isn’t selling us on its new 3-series copy. Imitation remains the sincerest form of flattery. Many are good cars, some are good enough to make our 10Best list, but none beats the 3-series at its own game.

    So imagine Acura’s predicament. Not only is the TSX, on sale this April, the first time the Honda subsidiary has admitted to going directly after BMW, but, well, it’s not a very good copy, is it? Look at it. Its pointed nose protrudes more than the fashionable few inches beyond the leading edge of the front wheels. It has driveshafts in the front, but none driving the rear wheels. And in its haste, Acura has forgotten to add the fifth and sixth cylinders to the engine.

    All of this must be very embarrassing for the company, which is typically known for its quick-wittedness. Surely, Acura is not so daft as to believe it could fool car enthusiasts with some tarted-up front-drive, four-cylinder family sedan.

    Well, yes, it is. The TSX is, in fact, a European- and Japanese-market Honda Accord, modified for U.S. sale with more power, more standard equipment, a dose of new marketing, and an “Acura TSX” badge.

    This makes it an utter failure as a tool of 3-series worship and yet something altogether more interesting than another copy. In its hunt for the 3-series, Acura has inadvertently conjured up the spirit of the old Nissan Maxima. Here we refer to the ’89 through ’94 models to which Nissan affixed “4DSC” stickers (for “four-door sports car”), not the softer, larger cars that followed. The TSX is the car for those who need space, want fun, and haven’t the money for an impressive badge.

    The TSX has a shorter wheelbase (by almost three inches) and overall length (by about six inches) and is narrower (by about two inches) than the U.S. Accord.

    The suspension setup, with dual control arms up front and a five-link independent rear, is the same basic configuration that underpins the Accord in this country. The TSX’s suspension, though, is tuned considerably stiffer with a larger rear anti-roll bar than on the U.S. Accord. The Acura rides on standard 17-inch wheels carrying 215/50 all-season performance Michelins. The result is a surprisingly agile car. Even at more than 3200 pounds (about 120 heavier than a four-cylinder Accord EX), the TSX feels light on its feet in a way that will be familiar to Honda owners. German sports sedans, by comparison, tend to feel stout-even heavy-over the road.

    The TSX has far better body control than does an American Accord. There’s a bit more body roll than expected, though, so it’s not exactly in BMW territory. But it leans in a controlled and progressive manner that doesn’t really inhibit hard driving. Midcorner bumps and hillocks upset the car almost not at all. This inspires confidence-perhaps a bit more than the tires are prepared for. We applaud Acura for using a decent-size tire, but we’d like more aggressive tires than these.

    Despite its general handiness, the TSX can conceal its front-drive nature for only so long. Drive really hard, and the 3-series posing fades quicker than the front tires’ grip on the pavement. The quick-ratio steering is light, accurate, and nearly immune to kickback, but its numbness doesn’t warn the driver that those tires are about to give up the fight. Driven as if you were the guy making the payments, the TSX is plenty satisfying. Acura tried to reduce the weight up front, including using a lightweight magnesium manual transaxle case, but, like an American Accord, the TSX carries 60 percent of its weight over the front axle.

    The engine is a version of the DOHC 2.4-liter four-cylinder also used in the American Accord. Thanks to a higher compression ratio (10.5 versus 9.7), tuned-length intake runners, a freer-flowing exhaust, and variable valve timing and lift control on both intake and exhaust cams, the TSX makes 200 hp at 6800 rpm (40 hp more than the Honda). Lest you think a power peak that high in the rev range would render the TSX weak-kneed around town, be aware that that engine makes a credible 166 pound-feet of torque, which is delivered in a hiccup-free, linear fashion. As long as you keep the crankshaft spinning at more than 3000 times per minute, there’s plenty of squirt. And lest you think a big-displacement four-cylinder sounds rough, remember that this is a Honda—the undisputed champ of four-bangers. Thanks in part to twin balance shafts, the engine is smooth from idle to redline.

    Nestled in a supportive, well-bolstered seat, you ease to a halt in utter peace. There’s no engine vibration through the steering wheel. No gear whine. Nothing. This car may conjure front-drive performance cars of the past, but it is executed at a level of refinement unattainable 10 years ago. In the transformation from mass-market Accord to 15,000-sales-per-year TSX, Acura has wisely focused much of its attention on the interior. Every element has the look and feel of precision.

    Take the pedals. All three of them on our six-speed-manual primary tester had remarkably short travel, and each felt perfectly linear in operation. These are the sorts of unnoticed but predictable and reassuring interfaces that make for a satisfying performance car. The precision of the manual shifter would make a surgical instrument jealous.

    As is Acura’s way, the TSX comes loaded, including a high-end sound system, leather, stability control, heated seats, and the full complement of inflatable bags. Options include a voice-activated version of Acura’s navigation system and a five-speed automatic transmission. The five-speed is a fine tranny with a responsive manumatic feature, but its shifts are too soft for a sporting sedan. And equipping the TSX with an automatic, as Acura anticipates two-thirds of its buyers will, makes it too pedestrian. After all, the Honda store up the street offers a 240-hp V-6 Accord with an automatic for less money.

    Acura hasn’t set prices yet, but figure about $26,000 for a base manual and perhaps $29,000 for an auto version with navigation. This puts the TSX in strange territory. It’s more expensive than V-6 versions of the Accord and Mazda 6, cheaper than the Euros and their Japanese imitators as well as the big and powerful new Maxima. It is a narrow, fervent slice of the buying public that will choose the TSX.

    So forget all the BMW-fighter stuff and be thankful for the return of this particularly satisfying brand of Japanese sports sedan. Like we said: an utter failure at being a BMW copy.



    33 complete Virginia Tech leadership programs #division #of #administrative #services,employee #top #news,campus #and #community,top #news,blacksburg, #va.,university #organizational #and #professional #development,honors #and #awards


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    33 complete Virginia Tech leadership programs

    The goal of the leadership development programs is to prepare employees for leadership roles at Virginia Tech. Twelve employees have recently completed the Executive Development Institute and 21 have completed the Management Academy.

    Thirty-three Virginia Tech employees are being recognized for completing two of the university’s advanced leadership programs.

    For more than a year the group has explored core leadership competencies through interactive workshops, 360-feedback assessments, and individualized coaching.

    Of the 33 employees, a dozen completed the Executive Development Institute and 21 completed the Management Academy. Completion of the programs positions these employees to take on increased leadership roles at Virginia Tech in the coming years.

    In the past year alone, 21 former graduates of the Executive Development Institute and 25 former graduates of the Management Academy have been promoted or have taken on new and expanding leadership roles within the university.

    “These graduates represent a talented group of leaders with diverse personal, educational, and experiential backgrounds, said Lori Baker-Lloyd, executive director of University Organizational and Professional Development. We are excited to watch as they implement what they learned and bring about purpose-driven change throughout the university.

    The 2015-16 Management Academy graduates are:

    • Kimberly M. Ascue. Virginia-Maryland College of Veterinary Medicine
    • Kathaleen H. Carr. Dining Services
    • Jennifer A. Carter. Continuing and Professional Education
    • Curtis K. Dugar. Department of Housing and Residence Life
    • Elizabeth R. Ebel. College of Agriculture and Life Sciences
    • Gina R. French. Pamplin College of Business
    • Ciji N. Good. Office of University Development
    • Matthew L. Hammond. Office of University Scholarships and Financial Aid
    • Stephanie N. Hart. College of Natural Resources and Environment
    • Rachel M. Layman. Environmental Health and Safety
    • Lauren P. Magruder. Office of Sponsored Programs
    • Matthew S. Mayotte. Student Athlete Academic Support Services
    • Mike Moyer. Network Infrastructure and Services
    • Catherine B. Petry. Department of Human Resources
    • Robyn A. Raines. Southwest Virginia 4-H Educational Center
    • Carin L. Roberts-Wollmann. Department of Civil and Environmental Engineering
    • Nicole P. Sanderlin. College of Engineering
    • J. Brad Sumpter. Finance Information Technology
    • Christine A. Watkinson. Office of the President
    • Laura J. Wedin. Virginia Tech Alumni Association
    • Carrie E. Woodring. Virginia Tech Foundation

    The 2015-16 Executive Development Institute graduates are:

    • Kanitta Charoensiri. Schiffert Health Center
    • Dawn M. Crigger. Virginia Tech Corporate Research Center
    • Feride Daku. Office of the Provost
    • Marcus T. DeBonis. Collaborative Computing Solutions
    • Anne M. Khademian. School of Public and International Affairs
    • Nancy G. McGehee. Department of Hospitality and Tourism Management
    • Valerie E. Ragan. Center for Public and Corporate Veterinary Medicine
    • Savita Sharma. Office of the Vice President for Finance
    • Patrick L. Tomlin. University Libraries
    • Julie Walters Steele. Reynolds Homestead Continuing Education Center
    • L. Garrett Weddle. Virginia Tech Carilion Research Institute
    • Anisa Zvonkovic. Department of Human Development

    The Executive Development Institute and Management Academy were developed by University Organizational and Professional Development and are sponsored by the Office of the President .

    Written by Katie Huger, employee communications manager, and Chris Ventura, a senior from Virginia Beach, Virginia, majoring in public relations and creative writing.



    This Woman Has Cholinergic Urticaria, A Condition That Makes Her Allergic To Her Own Sweat #medical #daily, #medicaldaily.com, #health #news, #medical #news, #medical #science, #medicine, #drugs, #treatment, #disease


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    This Woman Has Cholinergic Urticaria, A Condition That Makes Her Allergic To Her Own Sweat

    Cholinergic urticaria is a condition in which sweating causes an allergic reaction. Ryan Pierse/Getty Images

    Julie Reid has refused to leave her apartment during the daytime for the past three years, which is rare in sunny Clearwater, Fla. As a former gymnast and dance instructor, much of Reid’s life was devoted to physical activity and putting on a show for people. That was until she developed a disorder that left her allergic to her own sweat. Today, she spends the majority of her time avoiding the sun and people.

    “I’ve lived in Florida for eight-and-a-half years now,” Reid wrote on a website that chronicles her harrowing experience. “Three years ago, in March 2013, I was working at a gymnastics gym for my fourth year in a row, and I was also a dance teacher. And I loved my life. And out of nowhere, I developed a rare skin condition called cholinergic urticaria. I am allergic to my own sweat. [And tears.]”

    Cholinergic urticaria is a hypersensitive skin condition characterized by an immediate reaction triggered by heat, emotional stress, or exercise. Although dermatologists know the episodes are caused by environmental factors that raise our temperature and cause sweating, what causes people to develop this condition is unknown. Like most people who have it, Reid has no idea where it came from. The hives that break out all over her skin are painful and can last for days. Aquagenic urticaria is a similar condition in which hives are triggered by water.

    Julie Reid developed a hypersensitive skin condition known as cholinergic urticaria, which has made her allergic to her own sweat. http://livingwithcu.jimdo.com/my-story/

    Since her diagnosis, Reid has lost her job and gained more than 100 pounds. She doesn’t go outside in order to avoid the Florida heat and the stares of people looking at her hives. Most days she doesn’t even feel like getting out of bed and she says she recently started to exhibit symptoms of depression and agoraphobia. Not only is Reid out of work, but she has also lost her health insurance and was denied disability.

    “I have not worked in three years because it is physically impossible for me,” she said. “I wake up covered in hives every day, even though I have the air conditioner on. I have laid in bed for the last three years straight to avoid sweating, and it breaks my heart every single day. I miss my old life so much. One without itching and without pain. I even dream about it. But when I wake up, only then does it turn into a nightmare.”

    Reid started her website about living with cholinergic urticaria to help spread awareness of the condition and the people suffering from it. Bouts of hypersensitivity to heat can stop as quickly as they started, but there is no universal timeline for how long symptoms can last.

    Treatment options are also scarce and underresearched. Although doctors may prescribe antihistamines to reduce itching and redness, some patients take a proactive approach that includes protective clothing, sunscreen, or in Reid’s case, avoiding the sun altogether and staying in a cool place.



    5 Financial Aid, Student Loan Changes to Anticipate in 2015 – US News #unsecured #loans #for #people #with #bad #credit


    #student loan rates
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    5 Financial Aid, Student Loan Changes to Anticipate in 2015

    Credit standards for PLUS borrowers are easing this year, say experts.

    The past several years brought some notable changes to student loans and financial aid .

    Everything from how interest is calculated on federal loans to which loans are available to graduate students has shifted.

    But 2015 should be different, say experts.

    Generally, we don’t anticipate too many major changes this year, says Megan McClean, the National Association of Student Financial Aid Administrators’ managing director of policy and federal relations.

    Still, there are some student loan tweaks on the docket in 2015. Some are certainties, others are proposals.

    Here are five to expect.

    ​1. Federal student loan interest rates will ​rise or fall. Prepare for changes on the interest rates of Direct subsidized, unsubsidized and PLUS loans.

    Rates will reset, based on 10-year Treasury rates in May, says Jason Delisle, director of the Federal Education Budget Project at the New America Foundation, a nonprofit think-tank​.

    Experts are split on whether 2015 will bring an increase or decrease to interest rates.

    But even if rates rise, federal student loans are still one of the most forgiving forms of student debt, says Lauren Asher, president of the Institute for College Access Success. They’re by far the safest way to borrow if you need to borrow for school, she says.

    The new rates will only apply to loans disbursed between July 1, 2015 and June 30, 2016. They will not retroactively change the rates of loans from previous years.

    2. Pell Grant amounts will increase. The maximum amount a student can receive in federal Pell Grants, one of the most generous types of federal financial aid, will increase to $5,830 in the 2015-2016 academic year​ – a $100 increase from the previous year.

    Pell Grants​, which don’t need to be repaid, are typically awarded to families making less than $40,000, says Asher.

    3. Pay As You Earn is set to expand. ​ President Barack Obama announced plans last ​June to expand access to Pay As You Earn. a federal repayment program that allows borrowers to limit student loan payments to 10 percent of their discretionary income and forgives the remaining balance after 20 years.

    Currently, only relatively recent borrowers have access to the plan. Students who borrowed before October 2007 or haven’t borrowed since October 2011 can’t access PAYE but may repay through different, less generous income-driven plans.

    The expansion would make borrowers who took out earlier loans eligible to switch into Pay As You Earn.

    The Department of Education estimates that as many as 5 million borrowers will become eligible to enroll in Pay As You Earn after the expansion, which is slated for late 2015.

    [Obama] wanted this to be in effect by December of this year, says McClean. That would be assuming that everything goes on time.

    4. PLUS loans will become more accessible. In 2011, federal lenders tightened the credit standards required to borrow PLUS loans, resulting in hundreds of thousands of rejection letters. Students of historically black colleges and universities and for-profit schools were hit particularly hard .

    Borrowers of federal Parent and Grad PLUS loans in 2015 will see an easing of the criteria used to determine whether an applicant has a clean enough credit record to qualify for PLUS loans. This could potentially increase the number of applicants who pass the credit check by 370,000, says the Department of Education .

    Another change to the program: PLUS borrowers who sign on with an endorser will be required to receive loan counseling before receiving the loan, says McClean, of NASFAA​.

    5. The federal rating system is scheduled for publication. The proposed federal rating system. which will rate colleges based on access, affordability and outcomes, is slated to become available by the 2015-2016 academic year. The ratings aim to give families a better sense of a college’s value and eventually tie federal funding for financial aid to a college’s performance.

    The U.S. Department of Education released a framework recently and is accepting feedback from the public until Feb.​ 17, 2015.

    If the department​ sticks to its timeline, the rating system is supposed to be out sometime this year, says McClean.

    Trying to fund your education? Get tips and more in the U.S. News Paying for College center.

    Clarified on Jan. 14, 2015: This article has been updated to clarify the name of the New America Foundation.



    Mercedes-Benz Fashion Week Berlin Fall #berlin, #fall #2008, #fashion #shows, #weissensee #school #of #art #and #design, #mercedes-benz #fashion #shows, #students #collections, #news # # #events


    #

    Mercedes-Benz Fashion Week Berlin Fall/Winter 2008

    The Berlin Fashion Week Fall/Winter 2008 housed over 60 events that took place from January 25th to February 3rd, among which the Mercedes-Benz fashion shows held at Postbahnhof.

    While the fashion shows didn t lack well-known labels I have to say that I was more impressed by students presentations. The Weissensee School of Art and Design. first time guest at Mercedes-Benz Fashion Week Berlin, send down on the runway 10 collections with 100 outfits brilliantly designed by its students and recent graduates.

    The Weissensee School of Art and Design at Berlin Fashion Week

    Weissensee was founded in 1946 in Berlin and keeps its reputation as a creative, professional and avant-garde talent factory.

    The Weissensee School of Art and Design fall 2008

    30paarhaende (meaning 30 pairs of hands ) is the fashion label started in 2003 by the University of Applied Sciences FHTW Berlin. Since then, the label produces two collections annually, sold on both the national and international fashion markets.

    30 Paar Haende at Berlin fashion week

    The 30paarhaende project enables students to put into practice concepts
    developed in class. The 30paarhaende label aims to be an up market
    fashion line, designed for self-confident, strong women over 30 years old, women who want their personality to be emphasized by their impeccable
    fashion sense. The 30 pieces collection is wearable but at the same
    time sophisticated and innovative, with a minimalist twist.



    Debunking the Student Loan Bankruptcy Myth – US News #federal #loan #consolidation


    #bankruptcy loans
    #

    Debunking the Student Loan Bankruptcy Myth

    It’s incredibly difficult – but not completely impossible – to discharge education debts.

    The belief that student loans are never dischargeable in bankruptcy is one that makes us here at the Student Loan Ranger cringe every time we see it – and we see it a lot.

    We cringe because it’s not true. You actually can get your student loan discharged in bankruptcy in some limited cases. In fact, according to a study published in 2011 by Jason Iuliano. at least 40 percent of borrowers who do include their student loans in their bankruptcy filing end up with some or all of their student debt discharged.

    The problem is the old tale that has consumers thinking there’s no chance to have these loans discharged, so they don’t try. Iuliano’s report found that only about 0.1 percent of consumers with student loans attempt to include them in their bankruptcy proceedings.

    To be clear, if you borrow money, you have a moral and legal obligation to pay that money back, even if that means making some financial sacrifices. It is strongly recommended that students do more cost-benefit analysis and long-range planning before taking on student debt of any amount.

    But sometimes life throws students some pretty big curveballs that they just can’t plan for or recover from, and it’s in those cases that bankruptcy comes into play. If you’re in that position, here are the most important things you need to know about student loans and bankruptcy.

    The Student Loan Ranger is not an attorney and strongly advises you to consult one before taking any type of action related to this topic.

    • Check if you pass the Brunner test: Current bankruptcy law exempts education loans and obligations from eligibility for discharge unless doing so would cause the consumer undue hardship. The problem is that undue hardship is not defined within bankruptcy law, leaving the bankruptcy courts to decide what this means.

    While all courts are different, many use what’s called the Brunner test to determine if requiring a consumer to continue to be responsible for an education debt would cause him or her undue hardship. There are essentially three criteria a consumer has to meet under the Brunner test.

    First, continuing to pay the loan must cause the borrower to be unable to sustain a minimum standard of living. Second, the borrower’s financial situation must be unlikely to change in the future. Finally, the borrower must have made a good-faith effort to pay his or her loans.

    If you think you meet these criteria, you will need to ask your bankruptcy attorney to file an adversary proceeding, which is essentially a lawsuit within the bankruptcy case itself. While you can technically file one of these yourself, due to the complex nature of these cases it is strongly recommended you retain a qualified bankruptcy attorney, preferably one with experience in student loans.

    • Investigate other possible discharge strategies: The bankruptcy code describes an education loan as one that, in part, was used to attend an eligible education institution, which is further defined as one that is eligible to participate in the federal student aid programs.

    Some consumers have been successful in arguing that, because their private student loans were used to attend a school not eligible for these federal student aid programs, the loans don’t fall under the definition of an education loan and should therefore be eligible for discharge.

    Another part of a student loan’s definition in the bankruptcy code requires that the loan be used for cost of attendance expenses as defined in the Higher Education Act. Cost of attendance expenses, for federal student loan purposes, are essentially tuition, fees and indirect costs related to your enrollment in postsecondary education. For example, a computer can be considered part of the cost of attendance, but only if it is required by the school.

    With this in mind, some borrowers have argued that the portion of their student loan funds used for non-eligible educational expenses is dischargeable. This argument is risky, however, as most promissory notes signed by student loan borrowers contain a statement of educational purpose, which means by borrowing the loan, you agree to only use the funds for these very same cost of attendance related expenses.

    • Weigh whether you should bother filing for bankruptcy: With all the new income-related repayment and forgiveness options that have been introduced over the last few years, most borrowers, especially those with federal loans, should be able to find a repayment strategy that is manageable, which makes meeting the criteria for the Brunner test a little more difficult.

    But remember that bankruptcy is there for a reason, so if your debt is overwhelming and your life circumstances don’t seem like they are going to allow you to fulfill these obligations in a reasonable way, then you may want to consider filing for this relief. Even if you don’t meet the criteria for student loan discharge, it might be possible to discharge other debts, freeing up resources to allow you to pay the student loans.

    In the end, you really only need to remember two things: work with a qualified attorney, and when it comes to student loans and bankruptcy, never say never.



    John Leguizamo #biography, #photos, #awards, #news


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    The leading information resource for the entertainment industry

    John Leguizamo

    Did You Know?

    Personal Quote:

    [on why he always seems to play supporting roles in movies] Because you get to be free. Not that there’s a problem with being the leading man, but the leading roles are always tough. It’s hard. It’s a really hard thing to do right, to get right, and it’s not as fun to be the leading man. Being a supporting actor you have no responsibility. You just go there to play and have a really great time. See more

    Trivia:

    John’s parents divorced when he was in his teens. See more

    Trademark:

    His characters often have Latin-American last names

    Nickname:

    John Leguizama See more

    Star Sign:

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    Clinton, Trump All but Tied as Enthusiasm Dips for Democratic Candidate – ABC News #poll, #2016 #election, #donald #trump, #hillary #clinton, #president, #vote, #enthusiasm, #battleground, #swing, #email, #fbi, #comey, #politics #news, #election #news, #political #news, #political #news #articles


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    Clinton, Trump All but Tied as Enthusiasm Dips for Democratic Candidate

    WATCH Hillary Clinton and Donald Trump in a Virtual Tie

    Strong enthusiasm for Hillary Clinton has ebbed since the renewal of the FBI ’s email investigation.

    While vote preferences have held essentially steady, she’s now a slim point behind Donald Trump — a first since May — in the latest ABC News/Washington Post tracking poll, produced for ABC by Langer Research Associates.

    In the latest results, 46 percent of likely voters support Trump, and 45 percent are for Clinton. With the data taken to a decimal place for illustrative purposes, a mere 0.7 of a percentage point divides them.

    Third-party candidate Gary Johnson has 3 percent, a new low; Jill Stein. 2 percent.

    Trump now leads Clinton by 8 points in the share of voters who are very enthusiastic about their choice as of Friday. But compared with past elections, it’s low for both of them — 53 percent for Trump, 45 percent for Clinton.

    Strong enthusiasm for Clinton has lost 7 points since the start of tracking, especially Friday through Sunday. This is possibly an effect of the renewed controversy over her use of a private email server while secretary of state. Trump’s strong enthusiasm has held steady in tracking, which started Oct. 20.

    Close

    The 1 point Clinton-Trump race is well within the survey’s margin of sampling error. Combining the last seven nights — across which results have been very stable — the results flip to 46 percent Clinton, 45 percent Trump, with a 0.4 point gap. Again, it is not a significant difference.

    Either way, the results are exceedingly close. Trump’s 1 point lead is a noteworthy result; he has led Clinton just once before, up 2 points in late May (among registered voters in a two-way test), after he clinched the GOP nomination while Clinton was still in a duel with Bernie Sanders in the Democratic race.

    Although the election is close at this point, vote preference results a week out are not necessarily predictive of the final result. Mitt Romney was up 1 versus Barack Obama in comparable tracking poll results in 2012, for example, and John Kerry was ahead by 1 against George Bush a week out in 2004.

    Red/Blue

    Another look at the data divides the last seven nights of tracking results into red, blue and toss-up states, as designated by the ABC News Political Unit. The results:

    • In states considered to be strongly for Trump or leaning toward him (with a total of 180 Electoral College votes), he leads Clinton by a broad 60 to 34 percent.

    • In blue states (with 278 electoral votes), Clinton leads 54 to 37 percent.

    • In the five ABC-designated toss-up states (with 80 electoral votes) — Arizona, Florida, North Carolina, Ohio and Utah — voters split 41 percent Clinton to 48 percent Trump. That’s not a significant difference, given the 5.5 point error margin at this sample size.

    Early Birds

    Clinton’s support rests in part on early voting: A fifth of those identified as likely voters (21 percent) say they have already voted. While the sample isn’t large (thus an error margin of +/–7 percentage points), they divide 55 percent for Clinton, 39 for Trump.

    That said, early voting estimates can change, given state rules, turnout and sampling variability. Early voting estimates in the 2012 ABC/Post tracking poll ranged from up 17 for Obama to up 4 for Romney in four-night averages, settling at up 3 for Obama.

    The latest results, while steady for seven nights, reflect a sharp turnaround from a large Clinton lead in the first four nights of tracking, which were a particularly difficult news cycle for Trump.

    Among other factors, there has been consolidation for Trump among Republicans and GOP-leaning independents (86 percent now back him, up from 80 percent). He has also seen improvement among pure independents (i.e. those who don’t lean toward either party), up from an even split to a large Trump advantage, 25 percent Clinton to 54 percent Trump, across the past seven nights (combined for a larger samples size). Seventeen percent of pure independents pick someone else.

    Among Democrats and Democratic leaners, meanwhile, Trump’s support has gone from 5 to 9 percent — a slight change, but a statistically significant one. Clinton’s support has been essentially steady.

    Party ID

    The race is close even though self-identified Democrats outnumber Republicans among likely voters by 10 points, 38 to 28 percent. There are three reasons:

    One, this narrows to a 5 point gap, 48 to 43 percent, when independents who lean toward one party or the other are included.

    The second is Trump’s advantage among pure independents, as noted — even though they account for just 7 percent of likely voters.

    And the third is that Trump wins 9 percent of Democrats and Democratic leaners, while Clinton is supported by 6 percent of Republicans and those who lean toward the GOP — another slight difference and not statistically significant.

    But in contests this close, small differences add up.

    Vote preference results are essentially identical in 23 likely voter models produced for diagnostic purposes, with turnout estimates ranging from 43 to 81 percent of the voting-age population. Seventeen of the models produce a 46 percent Trump, 45 percent Clinton race, as does the average of all 23.

    Methodology

    This ABC News/Washington Post poll was conducted by landline and cellular telephone Oct. 27 to 30, 2016, in English and Spanish, among a random national sample of 1,128 likely voters. Results have a margin of sampling error of 3 points, including the design effect. Partisan divisions are 38-28-29 percent, Democrats-Republicans-independents.

    Questions 5a and 5b were asked Oct. 28 to 30 among 388 and 397 Clinton and Trump supporters, respectively; they both have 5.5 point error margins.

    The survey was produced for ABC News by Langer Research Associates of New York City, with sampling, data collection and tabulation by Abt-SRBI of New York City. See details on the survey’s methodology here .



    What We Know About the Trump Foundation Gift to Florida Attorney General Pam Bondi s Fundraisers – ABC News #donald #trump, #pam #bondi, #hillary #clinton, #florida, #trump #university, #fraud, #campaign #donation, #donald #j #trump #foundation, #politics #news, #election #news, #political #news, #political #news #articles


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    What We Know About Trump Foundation’s $25K Gift to Florida AG’s Fundraisers

    WATCH Donald Trump’s Campaign Manager on New Ad, Florida AG Scandal

    Donald Trump met with Florida Attorney General Pam Bondi Friday at Trump Tower as the president-elect continues a series of meetings around assembling his Cabinet and top staff.

    Bondi is a vice chair on Trump’s presidential transition team, but many in the public may most associate her with Trump over a past political contribution that raised questions.

    The scrutiny centered around a $25,000 check that the Donald J. Trump Foundation sent to Bondi’s political fundraising committee in 2013. Critics said the donation looked like an attempt to sway Bondi’s office not to take legal action against the now-defunct Trump University. Trump and Bondi said the contribution had no connection to her office’s ultimately deciding against taking legal action.

    Here is what we know:

    Timeline of What Happened in 2013

    New York Attorney General Eric Schneiderman announced on Aug. 25, 2013. that he had filed a lawsuit against Trump and Trump University.

    Schneiderman’s lawsuit accused Trump of “mis[leading] consumers into paying for a series of expensive courses that did not deliver on their promises,” which Trump denied.

    On Sept. 11, 2013, a spokeswoman for Bondi’s office confirmed to the Orlando Sentinel that her office was reviewing the New York lawsuit. Her office now tells ABC News its review was to determine if the allegations in the New York complaint had any relevance to Florida.

    A few days later, Bondi’s political fundraising group, And Justice for All, confirmed that it had received a check for $25,000 on Sept. 17, 2013. from the Trump Foundation. Bondi would be up for re-election in 2014. The check, obtained by The New York Times. shows Trump signed it on Sept. 9, 2013, before Bondi’s office said that it was reviewing the New York lawsuit.

    Florida’s Office of the Attorney General had received multiple consumer complaints about Trump-related seminars and education programs, most of them before Bondi was elected as the state’s top prosecutor in 2010. But in mid-October of 2013 the Miami Herald reported that Bondi’s spokeswoman had said no action would be necessary because the affected Florida consumers would be compensated if Schneiderman won his lawsuit.

    Bondi’s Response

    Bondi has said the decision not to take legal action against Trump University had nothing to do with the donation to her fundraising committee by the Trump Foundation.

    “I never, nor was my office, investigating him. Never. I would never lie. I would never take money. I’ve been obviously devastated over this,” she said in a voicemail message to a Tampa Bay Times reporter in June, according to the newspaper.

    Bondi’s political consultant for her 2013 re-election campaign, Marc Reichelderfer. said she had reached out to the business mogul for a donation and had been unaware of the consumer complaints against Trump University when she did so.

    Bondi’s phone call with Trump occurred “several weeks” before her office said it was considering whether to join the Trump University lawsuit, Reichelderfer told The Associated Press.

    Bondi’s office said at the time she decided not to sue that she had received only a single complaint about Trump University, according to the AP. Later her office said this statement was accurate at the time because most of the complaints were received prior to Bondi’s assuming office and concerned Trump Institute, a separate corporate entity that was licensed by Trump to run his seminars but with his keeping a share of the profits, the AP reported based on depositions in the Trump University case. New York Attorney General Schneiderman sued both Trump University and Trump Institute.

    A New York Times review of 8,000 pages of documents released in connection with an open records request found no evidence that Bondi had a direct role in assessing the merits of a case against Trump University nor that she knew of the complaints at the time of the donation request. Additionally, her predecessor, two top deputies and the chief lawyer within his consumer protection division told the Times they were also unaware of the complaints.

    Trump’s Response

    Trump has said he “never” discussed the lawsuit with Bondi when she called him for a donation.

    “She’s a fine person. Never spoke to her about it at all. Never,” Trump said, taking questions from campaign reporters back in September on his private plane. “Many of the attorney generals [sic] turned that case down because I’ll win that case in court.”

    Trump campaign manager Kellyanne Conway told “Good Morning America ” in September that Trump and Bondi “may have talked about anything” in their phone conversation.

    Bondi’s Endorsement

    “People today are looking for leadership, the kind that Mr. Trump offers, that’s unafraid to tell it like it is and will do something about renewing America’s strength and greatness,” Bondi said. “That’s why I am pleased to announce my support of Donald Trump for president. We have been friends for years, and I know his family personally. I’ve seen firsthand how he leads, and how he cares deeply about the people of this country.”

    Latest Developments

    Aside from any question over whether the donation was an attempt to influence Bondi, federal tax law prohibits charitable foundations from making political contributions to any candidate running for public office. The IRS slapped a $2,500 penalty on the Trump Foundation this year for violating the law through its donation to Bondi’s campaign group, according to the Washington Post. Trump Organization officials told the Post that the donation to Bondi’s political fundraising committee was the result of a clerical error and that Trump paid the IRS penalty himself as well as reimbursing his foundation the $25,000.

    In November, shortly after winning the presidential election, Trump agreed to a $25 million settlement of three lawsuits, the one in New York plus two in California, against Trump University, with no admission of wrongdoing.

    The Associated Press and ABC News’ Josh Haskell, Katherine Faulders and Meghan Keneally contributed to this report.

    Editor’s note: For clarification, this story has been updated to reflect that the Florida Attorney General’s Office says it reviewed the New York lawsuit against Trump University to determine if the allegations in that complaint contained any relevance for Florida, not to join the other state’s suit.



    Goldman Sachs upgrades Chinese stocks to overweight for short-term trades #stocks, #china #longyuan #power #group #corp #ltd, #msci #china #50 #gri #in #usd, #shanghai #stock #exchange, #hang #seng, #asia #news, #hong #kong, #world #economy, #asia #economy, #economy, #chinese #yuan, #china, #investment #strategy, #business #news


    #

    Goldman Sachs upgrades Chinese stocks to overweight for short-term trades

    China market is decent bet to make money: Strategist Sunday, 11 Sep 2016 | 9:39 PM ET | 01:04

    China’s long-term economic picture remains murky, but it’s time to take a tactical overweight position on mainland stocks, Goldman Sachs says.

    Goldman issued a research note on Monday upgrading Chinese equities to overweight from market-weight.

    “Even though the longer-term structural concerns, with respect to credit extension and overcapacity and so forth, are still there and are very concerning, in the near term we think that China is a good and continuing catch up trade,” Timothy Moe, chief Asia equity strategist at Goldman Sachs, told CNBC’s “Squawk Box.

    He said China was a decent bet for traders looking to make money through the end of the year.

    “We think on a cyclical basis, the economy will actually begin to strengthen in the fourth quarter because of recently announced policy easing measures,” Moe said. “Corporate earnings are beginning to stabilize. They’re not great in absolute terms but they’re beginning to stabilize. Valuations are still moderate.”

    In the Monday note, Goldman said Chinese shares had lagged in recent months compared with Asia-Pacific ex-Japan and emerging markets. It added that shares’ valuations were priced at “meaningful discounts” compared with regional and global emerging market peers.

    The bank also noted that global funds were near their largest underweight on Chinese equities compared with benchmarks in more than a decade.

    Beijing’s decision to allow mainland insurers to participate in the Shanghai-Hong Kong connect, which allows mainland investors to buy Hong Kong shares and vice versa, was likely to drive fund flows, Goldman said. The bank added that the opening of the similar Hong Kong-Shenzhen connect would likely be at the least a sentiment boost when it was launched.

    Goldman raised its MSCI China index target to 70 from 60.5, implying an upside of about 9 percent from current levels.

    Photographer | Collection | Getty Images

    To get exposure to China stocks, Goldman tipped looking at index heavyweights on the expectation that those shares would benefit from passive, index-tracking flows into emerging markets. Within that subset, it remained positive on technology shares and American Depositary Receipts (ADRs), noting that the technology segment has contributed most of MSCI China’s gains so far this year.

    Goldman also expected that high-yielding stocks in Hong Kong would gain, particularly on interest from onshore institutional investors. But since Chinese and Hong Kong bank shares had already received strong inflows, Goldman pointed to better prospects from yield plays in Chinese utilities, Macau shares and Hong Kong and Chinese property names.

    Goldman said domestic infrastructure beneficiaries were another investment theme, but noted that translating that into actionable stock plays generally wasn’t straightforward, as tracking project approvals and execution in China posed challenges. But it said some stocks had previously shown sensitivity to fixed asset investment growth, including China Railway Group. Longyuan Power and CRCC.



    Graduate School Stafford Loan FAQs – US News #need #a #loan #now


    #stafford loan
    #

    Find out if an unsubsidized Stafford loan is right for you.

    Who can get Stafford loans?

    Graduate school students who are U.S. citizens, legal permanent residents, or eligible noncitizens who have been accepted at a U.S. school can get unsubsidized Stafford loans. Students cannot have defaulted on other federal student loans in the past and must attend school at least half time to qualify.

    How much can I borrow from the Stafford program?

    Graduate students can borrow up to $20,500 a year in Stafford loans, and up to $138,500 total for their studies, including any Stafford loans taken out during college.

    Students in certain health fields have higher maximums, and can borrow up to $224,000 in total through the Stafford program.

    How much do Stafford loans cost?

    Stafford loan interest rates are determined annually using the interest rate on the 10-year Treasury note as of June 1. The rate for graduate students is the interest rate of the note plus 3.6 percent, with a cap of 9.5 percent. Since rates on Stafford loans are now market-based, they will fluctuate from year to year. Once the loan is issued, however, the rate is locked in.

    All Stafford loans for graduate students are unsubsidized, meaning interest will accumulate on the loans while students are in school.

    How do I get a Stafford loan?

    You must fill out a FAFSA. For unsubsidized Stafford loans, which are what is available to graduate students, students do not need to demonstrate financial need.

    Does every grad student get approved for a Stafford loan?

    No. Students who are not eligible for the program, who have defaulted on other college loans,or who are attending school only part time do not qualify.

    What if I have bad credit?

    You can get a Stafford loan if you’ve defaulted on a mortgage, car, credit card or medical bills. The federal government does not do a regular credit check for Stafford loans. It only rejects applicants who have defaulted on other federal education loans.

    What if I need more money than the Stafford maximums?

    You can borrow up to your full cost of attendance from the federal Graduate PLUS program. But those loans have higher fees and interest and are not awarded to students with bad credit.

    Are Stafford loan payments tax deductible?

    It depends on your income when you start repaying. Generally, for a single person, education loan interest is not deductible if your adjusted gross income is more than $80,000.

    When do I have to start repaying my Stafford loan?

    The first bill comes due six months after you’ve left school, whether that’s after graduation or after you’ve dropped out.

    What are the advantages of a Stafford loan?

    Stafford loans have a fixed interest rate, so the size of your monthly payment won’t increase if interest rates rise. Through income-based repayment. Stafford borrowers can ask to have their payments capped at a ​percent of their disposable income. The remaining debt is forgiven after 20 or 25 years, depending on the age of their loans.

    As of December 2012, borrowers who demonstrate financial hardship can also opt for the Pay as You Earn plan. which caps payments at 10 percent of discretionary income.

    And public servants who make 10 years’ worth of income-based repayments can have their remaining Stafford debts forgiven.

    What happens if I lose my job or get into other financial trouble?

    Call the Department of Education and ask about income-based payment options, such as the Pay as You Earn plan. If that doesn’t bring your payments down to an affordable level, you can also ask for either deferral or forbearance of your payments, which could postpone or temporarily lower your payment requirement.

    What are the downsides of federal loans?

    Unlike credit card debt and mortgages, which can be canceled if you file for bankruptcy, education loans of all types – whether federal or private – must be repaid. Most bankruptcy courts will not cancel them unless your situation is extremely dire .

    Trying to fund your education? Get tips and more in the U.S. News Paying for Graduate School center.

    Updated on March 11, 2015: Statistics and information have been updated to reflect the current year.



    Lawyers: Delta passenger attacked by dog faces permanent scarring #news,local #news,facebook #instant


    #

    Lawyers: Delta passenger attacked by dog faces permanent scarring

    Related Headlines

    ATLANTA – An Alabama man will likely have permanent scarring after being bitten in the face by an emotional support dog, according to his attorneys.

    Marlin Jackson s lawyers said he is still recovering and not ready to talk, but they wanted to outline what happened during the June 4 attack, which happened aboard a Delta flight at Atlanta s Hartsfield-Jackson International Airport.

    Delta put him in a seat, next to a large dangerous animal. They did that without checking if the dog was trained, without checking if the dog was restrained, said attorney Ross Massey.

    According to his legal team, Jackson, who was traveling from Atlanta to San Diego, approached his window seat and found passenger Ronald Kevin Mundy, Jr. sitting it the middle seat with his dog in his lap. Witnesses reported seeing the approximately 50-pound dog growl at Jackson not long after taking his seat.

    The dog continued acting in a strange manner, according to Jackson s lawyers, and then the growling increased. The dog then lunged for Jackson s face and starting biting him, lawyers said.

    Mundy pulled the dog off Jackson, but the dog broke free from his owner and attacked Jackson again, according to his lawyers, so severely it caused punctures through his lip and gum.

    The dog viciously mauled Marlin for thirty seconds and repeatedly broke away when people tried to pull it back. There was so much blood on the plane that they had to change out three seats before they could put the plane back in use, said Massey.

    Jackson s attorneys said he was severely injured and had to receive 28 stitches. Lawyers also released photos Thursday showing the gash on Jackson s face.

    Delta issued the following statement last week regarding the incident:

    Prior to pushback of flight 1430, ATL-SAN, a passenger sustained a bite from another passenger s emotional support dog. The customer who was bitten was removed from the flight to receive medical attention. Local law enforcement cleared the dog, and the dog and its owner were re-accomodated on a later flight; the dog will fly in a kennel.

    We understand and respect the importance of emotional support and service animals, especially for our nation s veterans. We are also concerned with Delta Air Lines compliance with their policies to ensure the safety of all passengers, said attorney J. Ross Massey. It is troubling that an airline would allow a dog of such substantial size to ride in a passenger s lap without a muzzle. Especially considering the dog and its owner were assigned a middle seat despite Delta Air Lines policies that call for the re-accommodation of larger animals.

    Massey said the dog, according to Delta s own policy, should have been seated on the floor, not in his owners lap. He also said Delta needs to do more to verify these animals are trained.

    It s totally different than going to Piedmont Park with your dog, interacting with people than coming on a crowded plane where things are already anxious, then being in someone s lap where people are going to step over you. We ve got to do what we should have done already and say this is a problem and needs to be addressed, said Massey.

    One passenger said that the dog s owner was described by the flight crew as a combat veteran and that the man was cradling the dog in his arms in the gate area and that the crew saw him weeping, repeatedly saying, I know they re going to put him down.



    Liberty medical supply news #liberty #medical #supply #news


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    The Calhoun County Sheriff’s Office is currently searching for a man who fled as deputies were serving an arrest warrant this afternoon. A dog tracking team has been called out to search on the ground and a helicopter is flying over the area around Wrennie Moody Road to look for James Hathaway. Residents in that [ ]

    by Teresa Eubanks, Journal Editor The Calhoun County Sheriff’s Office is currently searching for a man who fled as deputies were serving an arrest warrant this afternoon. A dog tracking team has been called out to search on the ground and a helicopter is flying over the area around Wrennie Moody Road to look for [ ]

    The Calhoun County Sheriff’s Office is currently searching for a man who fled as deputies were serving an arrest warrant this afternoon. A dog tracking team has been called out to search on the ground and a helicopter [. ]

    by Teresa Eubanks, Journal Editor Investigators with the State Fire Marshal’s Office are on scene at this moment examining the aftermath of an early morning fire that destroyed a woodframe home and claimed one life. A [. ]

    ROCHESTER, NY – Kirk Matthew Graham, 60, of Rochester, NY, passed away Tuesday, June 20, 2017. “Soul Man” was born Nov. 4, 1956 to Claude Graham and Ruby Lee White Graham in Chattahoochee. He was preceded in death [. ]

    BRISTOL – Pearl M. Lasseter, 94, of Bristol, passed away Friday, July 14, 2017 in Panama City. She was born on Oct. 13, 1922 in Dale County, AL. Miss Pearl, as affectionately known by so many, lived a long and fruitful l[. ]

    Official minutes from the June 8, 2017 meetings of the Liberty Commission as recorded by the board secretary WORKSHOP The meeting was called to order by Chairman Dexter Barber. Present at the meeting were Commissioners D[. ]

    NOTICE OF PUBLIC SALE MALLORY TOWING RECOVERY, INC. Mallory Towing Recovery, Inc. gives Notice of Foreclosure of Lien and intent to sell these vehicles on Sunday, July 29, 2017 at 2 p.m. CT at 18114 STATE ROA[. ]

    NOTICE UNDER FICTITIOUS NAME LAW NOTICE IS HEREBY GIVEN, according to Florida Statue 865.09, that the undersigned, desiring to engage in business under the fictitious name of MCG Contracts LLC located at 4031 NW Bethel R[. ]

    TALLAHASSEE — The United State Supreme Court ruled Tuesday in favor of the State of Florida in Florida v. Clayton Harris, deciding that police dog Aldo’s sniff constituted probable cause for Liberty County K-9 Office[. ]

    by Teresa Eubanks, Journal Editor Whether or not you believe in Bigfoot, you can be sure of one thing: Tyler Bounds loves his job. “I’m getting paid to go around the country to camp with friends to go look for Bigfoo[. ]

    by Teresa Eubanks, Journal Editor Sixth-grade math teacher Samantha Newsome says she s learned a lot of lessons from her young students at Tolar School in Bristol. Each student brings a uniqueness to the classroom that makes each day different, she says. There is not a day that goes by that I do not learn something [ ]

    by Teresa Eubanks, Journal Editor Long before the state began limiting class size, math teacher Karen Tomlinson had already discovered how effective it was to deal with smaller groups of students. In 29 years of teaching, she’s learned what works and doesn’t. Last year, when she moved from teaching at the elementary school level to [ ]



    Las Vegas Firefighter Accused in Murder-for-Hire Plot – ABC News #shauna #tiaffay, #georgetiaffay, #las #vegas, #murder #for #hire, #noel #stevens, #us #news, #national #news, #local #news


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    Firefighter Accused of Murder-for-Hire

    WATCH Las Vegas Firefighter Accused of Hiring Homeless Man to Kill Wife

    Prosecutors in Las Vegas are seeking an indictment against a Las Vegas City firefighter and West Point graduate who they say paid a homeless man to beat his wife to death in her home in late September.

    When police found 46-year-old Shauna Tiaffay, a Las Vegas cocktail waitress and mother brutally murdered in her own home on Sept. 29, it seemed like a random crime. But today, prosecutors are saying her husband George Tiaffay, 40, was the mastermind behind the gruesome attack. They have accused Tiaffay of offering 37-year-old Noel Stevens, a homeless man, $20,000 to beat his once-beautiful bride to death.

    “I felt that the minute I heard that the way that she had died, that he [George Tiaffay] had something to do with it,” Shauna Tiaffay’s friend Claudia Carrillo told ABC News.

    According to the arrest report, police received a tip from a “concerned citizen” stating that Stevens, a friend of his, was paid to kill Shauna Tiaffay, and that he “hit the woman so hard with a hammer that the hammer broke.” Stevens reportedly told police he did odd jobs for George Tiaffay.

    After obtaining search warrants, a black dress was found in one of the tents set up by Stevens, which was the same size that Shauna Tiaffay wore. At the second, several women’s thong panties and a pair of jeans with blood on the front later found to be Shauna’s.

    Carrillo and Stephanie Vargas, two of Shauna’s best friends, are now breaking their silence, saying that they believe George Tiaffay was a verbally abusive husband.

    “He was known for being controlling with her and I think this is a case of him trying to control her,” Carrillo said.

    Vargas agrees that George Tiaffay was very possessive of Shauna.

    “[He was] one of those — if I can’t have her, nobody else can,” Vargas said.

    Police say the evidence speaks for itself, and that the details of the alleged murder plot read like a crime novel.

    Investigators say George Tiaffay was in constant contact with Stevens, calling him 86 times in September. The two even exchanged phone calls in the moments before police believe Shauna was murdered.

    Police also say they obtained surveillance video of the two men walking out of a hardware store together, after purchasing a hammer, gloves and knife.

    Overnight, Stevens’ attorney refused to comment. But George Tiaffay’s lawyer issued a statement on behalf of his family.

    “George did not commit the crimes he is charged with,” he said in the statement.”While all marriages have their ups and downs, George and Shauna were both committed to each other, and especially their daughter.”

    But Shauna’s friends are still not convinced that George had nothing to with her death.

    “To become a fireman and help people, how is it that you want to save lives but you take a life?” Carrillo said.

    Tiaffay and Stevens were ordered to be back in court on Jan. 24, 2013, ABC affiliate KTNV reported



    11 Colleges That Do Not Require SAT Test Scores For Admission #newsweek,virginia #wesleyan #college,colleges #that #don #t #require #the #sat,college #news,test #optional #colleges,the #national #center #for #for #and #open #testing,test #optional #schools,standardized #testing,sat,schools #that #don #t #require #the #sat,slidepollajax,wake #forest #university


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    11 Colleges That Do Not Require SAT Test Scores For Admission

    More and more top universities have stopped requiring incoming students to submit SAT scores, according to Newsweek . Although the standardized test used to be one of the key factors in determining admission, its popularity among competitive institutions has started to wane — many of these schools accept one or a combination of ACT, AP, IB or SAT subject tests and some have chosen to become completely test-optional.

    Although initially introduced as a means of providing all applicants an equal shot at being accepted, some universities believe the SAT’s democratic goals have gone awry. Students have to pay a fee to take it, and those who can afford to usually enroll in expensive prep courses or hire a private tutor. A number of researchers have concluded that a student’s high school GPA is as good an indicator of performance in college as the SAT.

    Some institutions, like Wake Forest University, found that dropping the SAT requirement increased their student body’s diversity — the percentage of undergraduate minority students rose from 18 to 23 percent once Wake Forest joined the ranks of SAT-free schools.

    According to the National Center for Fair and Open Testing. at least 775 American colleges and universities are now test optional. Below, check out eleven competitive institutions where most — if not all — standardized tests are not required for admission.

    Do you think the SAT should be phased out? Let us know in the comments section.

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    Man arrested in targeted killing of Atlanta lawyer in broad daylight, police say – ABC News #atlanta, #attorney, #shooting, #georgia, #us #news, #national #news, #local #news


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    Man arrested in ‘targeted’ killing of Atlanta lawyer, police say

    WATCH Corporate lawyer killed in shooting in Atlanta, suspect arrested

    A suspect is in custody in Atlanta after a gunman was caught on camera in what police call the “targeted” killing of an attorney in broad daylight.

    The shooting happened around 7:40 a.m. Monday, during rush hour in Midtown Atlanta, when a man ran up to a woman, Trinh Huynh, shooting her multiple times at an intersection, police said. She was taken to a hospital where she died, police said.

    Police announced today that Raylon Browning, 39, has been arrested in connection with the killing. He has not yet appeared in court.

    Browning was already wanted on aggravated assault charges in a separate case for allegedly stabbing two people the day before the killing, Atlanta police said today.

    Raylon Browning, 39, was arrested for a murder in Atlanta that occurred April 3, 2017.

    Huynh’s sister said in a statement that she was more than an attorney; she loved to travel, dance and “lived every day with passion, love and light.”

    At 9 p.m. Monday night, Browning was pulled over for running a red light in Cobb County, police said. Officers saw the two warrants for aggravated assault and arrested him, police said.

    He was arrested in the same shorts and tennis shoes he was allegedly wearing in the surveillance video that captured the morning killing, police said. During a routine search of his car, police recovered a weapon they believe is the same one used in the homicide and also recovered a hooded sweatshirt that matched the suspect’s sweatshirt in the video.

    Browning has been charged with murder and two counts of aggravated assault.

    Deputy Chief Darryl Tolleson of the Atlanta police said today the investigation is not over; he said the motive as well as the connection between Browning and the victim are unclear.

    On Monday, police asked for the public’s help to identify the suspect and released pieces of videos showing the suspect walking before the shooting and running after the shooting.

    Atlanta police released video footage to the public of a suspected gunman caught on camera in the “targeted” killing of a woman in broad daylight on April 3, 2017.

    “We want to see if anyone can recognize this suspect’s particular manor of walking, running, what he was wearing,” Atlanta Police homicide Lt. Ricardo Vazquez said at a news conference Monday.

    Vazquez said, based on the footage of the shooting itself, not released publicly, it appears the victim was “targeted.”

    “We see him following her in another piece of video. There was another person in that intersection and it appears that he specifically targeted her,” Vazquez said. “We definitely believe that she was a target. Why she was a target, we do not know that yet.”

    Vazquez said that, in the video of the shooting, it appears that “he essentially runs up on her. and shoots her multiple times.”

    This still from video shows police in Midtown Atlanta after the “targeted” killing of a woman in broad daylight by a gunman, Apr. 3, 2017.

    The victim was looking toward where she was going and it appears he shot her from behind, Vazquez said.

    Vazquez described the gunman as “very calm before the shooting.”

    “Even though he runs after the shooting incident, he again slows back down and just starts to walk away,” Vazquez said. “It wasn’t a big effort to get away.”

    This still from video shows police investigating the “targeted” killing of a woman in broad daylight by a gunman on a busy Midtown Atlanta street, Apr. 3, 2017.

    No conversation between the victim and the shooter occurred during the killing, Vazquez said, and police do not have information linking the suspect and victim.

    Huynh’s sister, Dao Huynh, told ABC News in a statement, “We have all lost a stalwart member of the community and of our family. Trinh was blessed with grace, style, intelligence, charm and wit and she in turn shared her gifts with all those who knew her. She traveled the world and back again, but ultimately made her home in Atlanta, where she was a tireless volunteer, whether it was coaching mock trial at Grady High School or assisting with refugee relief in Georgia.”

    “She was more than an attorney and always strove to be more and to have more in life than just her resume,” Trinh Huynh’s sister continued. “She always had a joke, a smile or an obscure fact to share and she will long be remembered and honored for the way that she lived and not the tragedy of her death.”

    Trinh Huynh was a staff attorney at UPS. UPS said in a statement that she died “while en route to public transit for her commute.”

    “She joined UPS last summer and brought a vibrancy with her talent that also extended to connections across Atlanta for volunteer service and advocacy to address community issues,” UPS said. “Prior to UPS, she sought varied experiences in her career that included large and small legal firm practice and travel. UPS will cooperate with the Atlanta Police Department through its ongoing investigation as they pursue information.”

    The Georgia Asian Pacific American Bar Association also paid respects to Trinh Hunyh. The organization released a statement saying, “Trinh Huynh passionately lived her life, whether as a daughter, sister, friend, or lawyer. She served the Asian American legal community for many years through GAPABA and other bar associations. A former Board member, Trinh often attended GAPABA events, where she would share stories from her most recent travels. Her loss is tragic to GAPABA, the many people whom she influenced, and the community at large.”

    ABC News’ Brandon Baur and Michael DelMoro contributed to this report.



    4 Strategies for Repaying Federal Parent PLUS loans – US News #lenders #for #bad #credit


    #parent plus loan
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    4 Strategies for Repaying Federal Parent PLUS loans

    About 3 million Parent PLUS borrowers owe nearly $62 billion, according to the Department of Education.

    ​When it comes to student loan debt, 20- and 30-something college graduates aren’t the only affected population.

    Parents are just as susceptible to over-borrowing as their children – maybe more so.

    While dependent undergraduates can borrow a maximum of $31,000 in subsidized and unsubsidized student loans, parents can take on up to the cost of attendance – minus any other aid received – in Parent PLUS loans.

    And that can add up quickly. More than 3 million Parent PLUS borrowers owe nearly $62 billion, or about $20,000 per borrower, according to data from the Department of Education.​

    For these parent borrowers, their major earning years have since passed in most cases, says John Collins, managing director of GL Advisor, a financial advisory firm for advanced degree professionals with student loan debt. And their repayment options are limited.

    For example, Mom and Dad may want to transfer the PLUS loan to Junior once he’s graduated. After all, it’s his degree and his debt, right?

    Wrong.

    Parent PLUS loans cannot be transferred from the parent to the child, nor can they be combined with the student’s federal loans through consolidation, said Jan Miller, president of Miller Student Loan Consulting, in an email.

    But while parents can’t pass off the debt on their children, they do have other options for managing it. Here are four.

    1. Consolidate to earn eligibility for an income-contingent plan: ​ Income-contingent repayment, an earlier, less generous version of the Pay As You Earn and income-based repayment plans, may be an option for parents who consolidate their Parent PLUS loans, say experts.

    Borrowers paying on the income-contingent repayment plan pay 20 percent of their discretionary income for up to 25 years. And, unlike IBR and Pay As You Earn, borrowers don’t need to meet income requirements to qualify under the plan. But the most benefit comes from having a high debt-to-income ratio.

    Even parents with a single loan may consolidate it so that it’s eligible for income-contingent repayment, says Miller.

    So, if you have just one Parent PLUS loan, and no other loans in your name, you can still consolidate this loan so that it is no longer a Parent PLUS loan, but a consolidated loan, he says.

    Like their children, parents can also repay student loans through the standard 10-year plan, extended repayment and the graduated plan, which increases the borrower’s monthly bill regularly, usually every two years.

    2. Consider Public Loan Forgiveness: Parents employed in qualified government and nonprofit jobs may qualify for public service loan forgiveness. which forgives remaining debt, tax-free, after 120 on-time payments.

    Parents on the standard 10-year plan will have nothing to forgive after 10 years of payments. But those on the income-contingent plan may be able to see some amount wiped away by the government.

    Something that aging parents should keep in mind, says Collins, is that they may not want – or be able – to work for another decade.

    3. Refinancing may be an option, with risks: Parents may be able to refinance through a private group.

    In my opinion, parents are good candidates for refinancing, says Andrew Josuweit, CEO of Student Loan Hero, an online platform that helps students manage their loans. The chances of getting approved are pretty high.

    They might find that refinancing lowers their interest rate. Parent PLUS loans currently carry a 7.21 percent rate. At Citizens Bank, which offers the option to Parent PLUS borrowers, for example,​ a loan refinanced at a fixed rate may go as low as 4.74 percent while variable rates start at 2.31 percent.

    But there is a trade-off to private loan refinancing. Refinancing leaves you without the protection of federal government programs, says Collins.

    Those include deferment and public service loan forgiveness, says Miller.

    And this isn’t a strategy for parents who are struggling to repay their PLUS loans. It’s really hard to get approved, he says.



    4 Must-Know Facts About Obama – s New Student Loan Plan – US News #fast #payday #loan


    #student loan interest calculator
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    4 Must-Know Facts About Obama’s New Student Loan Plan

    Nearly 5 million borrowers could be affected by expanded Pay As You Earn eligibility.

    President Barack Obama announced some big news this week that stands to help many student loan borrowers ​​​​​​​​​​​​​.

    Most people met the president’s proposed changes with excitement, even though it seemed like many didn’t exactly understand what the changes were or, even more importantly, how the changes may apply to them. So, let’s answer some big questions about the president’s executive action.

    1. Will these updates help me? If you have federal student loans, maybe. With his executive action, the president expanded the existing Pay As You Earn program available to federal student loan borrowers.

    Currently, this plan caps monthly payments at 10 percent of a borrower’s disposable income and forgives the balance after 20 years of payments. Those aspects of this plan won’t change.

    What will change is the number of borrowers who can take advantage of this option. Currently, only newer borrowers are eligible for this plan. However, starting in 2015, borrowers who took out loans before October 2007 or stopped borrowing by October 2011 will now be eligible. Government officials estimate this number to be 5 million people.

    2. How much could I save? Now, most federal loan borrowers are eligible for income-based repayment – a different repayment plan that has the same premise as Pay As You Earn.

    Unlike Pay As You Earn, IBR caps payments at 15 percent of one’s disposable income and forgives the balance after 25 years of payments. Those differences could mean a lot, both in monthly payment amount and in the total amount paid over time.

    For instance, consider a borrower who owes $55,000 at a 3.41 percent interest rate, has an income of about $35,000 per year, and is not married and has no other dependents. Here’s what that person’s payments would look like under three different payment plans:



    6 things to know about the new student loan rates – CBS News #payday #loans #bad #credit


    #student loans rates
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    6 things to know about the new student loan rates

    • Lynn O’Shaughnessy
    • MoneyWatch

    Aug 9, 2013 3:41 PM EDT

    (MoneyWatch) President Barack Obama is scheduled to sign a bill today affecting how much millions of college students and their parents will pay on college loans for years to come.

    With the new law taking effect immediately, Here are six things that you need to know about the legislative changes before you apply for any federal college loans :

    1. Interest rates on college loans are dropping. The interest rate for federal loans for undergraduates, grad students and parents are all shrinking. Anyone borrowing for the 2013-14 school year will pay less in interest than in recent years. The rate drop is retroactive to July 1, which is the date that always marks the start of the new federal financial aid year.

    2. Undergraduates will enjoy the biggest price break. The interest rate on Stafford loans. the most popular kind of college financial aid, will drop from 6.8 percent to 3.4 percent. That means millions of students who borrow through the program for the coming school year will pay a fixed rate of 3.4 percent for the life of the loan.

    Stafford loans for grad students will decline from 6.8 percent to 5.4 percent, and PLUS loans for grads and parents will decline to 6.4 percent, from 7.9 percent.

    3. Federal loans are now tied to the market. The interest rate for each new crop of federal loans can change from year to year under the new law. These loans will now be linked to the financial markets, specifically to the 10-year U.S. Treasury. Rates for the loans will always be higher than the 10-year Treasury because Congress added an interest-rate cushion to each of them.

    Here are the interest rate cushions for the three federal loans: undergraduate Stafford (2.05 percentage points above the base rate); graduate Stafford Loan (3.6 percentage points); and PLUS Loan (4.6 percentage point).

    4. Federal loans have an interest rate cap. To prevent student loan rates from soaring during times of high inflation, the legislation imposed the following interest rate caps, which consumer groups and other critics have complained are too high:

    Stafford Loan (undergraduates): 8.25 percent cap

    Stafford Loan (grad students): 9.25 percent

    PLUS Loan (grad students and parents): 10.5 percent

    5. Student loan rates could climb in the future. Critics contend that the college loan rate reductions amount to teasers that will disappear if rates climb. According to projections by the Institute for College Access Success. an advocacy group, the Stafford loan rate for undergrads is likely to exceed its old fixed rate of 6.8 percent by 2017. PLUS loans are expected to top their old rate of 7.9 percent in three years, and Stafford loan graduate borrowers could be worse off in two years.

    6. The U.S. government will continue to reap a windfall. The federal government makes a huge profit on providing college assistance. The Congressional Budget Office estimates that the government will generate $184 billion in profits from its college loan programs over the next decade. For 2013 the CBO has projected that the U.S. will make a record $50 billion off federal student loans.



    What is raid #united #states,yemen,united #states,yemen,abdulraoof #al,dhahab,anwar #al,awlaki,barack #obama,donald #trump,jeff #davis,sean #spicersaid,abdulraoof #al,dhahab,anwar #al,awlaki,barack #obama,donald #trump,jeff #davis,john #thomas,sean #spicer,sean #spicersaid,us,usa,trump,commando,military #conflicts,diplomacy #/ #foreign #policy,government #/ #politics,yemen,major #news,middle #east,us #government #news,international #/ #national #security,conflicts #/ #war #/ #peace,united #states,insurgencies


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    U.S. military probing more possible civilian deaths in Yemen raid

    DOVER AIR FORCE BASE, Del. (Reuters) – The U.S. military said on Wednesday it was looking into whether more civilians were killed in a raid on al Qaeda in Yemen on the weekend, in the first operation authorized by President Donald Trump as commander in chief.

    U.S. Navy SEAL William Ryan Owens was killed in the raid on a branch of al Qaeda, also known as AQAP, in al Bayda province, which the Pentagon said also killed 14 militants. However, medics at the scene said about 30 people, including 10 women and children, were killed.

    U.S. Central Command said in a statement that an investigating team had “concluded regrettably that civilian non-combatants were likely killed” during Sunday’s raid. It said children may have been among the casualties.

    Central Command said its assessment “seeks to determine if there were any still-undetected civilian casualties in the ferocious firefight.”

    Related Coverage

    Deadly U.S. raid may bolster Yemen s al Qaeda – Crisis Group

    U.S. military officials told Reuters that Trump approved his first covert counterterrorism operation without sufficient intelligence, ground support or adequate backup preparations.

    As a result, three officials said, the attacking SEAL team found itself dropping onto a reinforced al Qaeda base defended by landmines, snipers, and a larger than expected contingent of heavily armed Islamist extremists.

    The Pentagon directed queries about the officials’ characterization of the raid to U.S. Central Command, which pointed only to its statement on Wednesday.

    “CENTCOM asks for operations we believe have a good chance for success and when we ask for authorization we certainly believe there is a chance of successful operations based on our planning,” CENTCOM spokesman Colonel John Thomas said.

    “Any operation where you are going to put operators on the ground has inherent risks,” he said.

    President Trump arrives aboard the Marine One to greet the remains of a U.S. military commando killed during a raid on the al Qaeda militant group in southern Yemen on Sunday, at Dover Air Force Base. (Note: photograph was taken from the interior of a media vehicle.) Jonathan Ernst

    The U.S. officials said the extremists base had been identified as a target before the Obama administration left office on Jan. 20, but then-President Barack Obama held off approving a raid ahead of his departure.

    A White House official said the operation was thoroughly vetted by the previous administration and that the previous defense secretary had signed off on it in January. The raid was delayed for operational reasons, the White House official said.

    The military officials who spoke to Reuters on condition of anonymity said “a brutal firefight” killed Owens and at least 15 Yemeni women and children. One of the dead was the 8-year-old daughter of Anwar al-Awlaki, a militant killed by a 2011 U.S. drone strike.

    Some of the women were firing at the U.S. force, Pentagon spokesman Captain Jeff Davis told reporters.

    Intelligence Gathered

    The American elite forces did not seize any militants or take any prisoners offsite, but White House spokesman Sean Spicer said on Wednesday the raid yielded benefits.

    “Knowing that we killed an estimated 14 AQAP members and that we gathered an unbelievable amount of intelligence that will prevent the potential deaths or attacks on American soil is something that I think most service members understand, that that s why they joined the service, Spicer said.

    A senior leader in Yemen’s al Qaeda branch, Abdulraoof al-Dhahab, and other militants were killed in the gunbattle, al Qaeda said.

    One of the three U.S. officials said on-the-ground surveillance of the compound was minimal, at best.

    The decision was made. to leave it to the incoming administration, partly in the hope that more and better intelligence could be collected, that official said.

    As Sunday’s firefight intensified, the raiders called in Marine helicopter gunships and Harrier jump jets, and then two MV-22 Osprey vertical takeoff and landing aircraft to extract the SEALs.

    One of the two suffered engine failure, two of the officials said, and hit the ground so hard that two crew members were injured, and one of the Marine jets had to launch a precision-guided bomb to destroy it.

    Trump traveled to Dover Air Force Base in Delaware on Wednesday in an unexpected visit to meet the family of Owens, who had been a chief special warfare operator.

    Additional reporting by Roberta Rampton; Editing by Alistair Bell, Peter Cooney and Paul Tait

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    Best-selling novelists may hold a clue on the smart way for investment firms to pitch their ideas to wealth managers, so the author of this article argues.

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    Wealthy families need to observe certain disciplines in using social media so that reputations are protected and nurtured. The family office firm talks to FWR about some of the issues.

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    A regular columnist for FWR does not pull any punches in analyzing the current direction of US tax policy as it affects philanthropic giving, and gives advice to wealthy donors on how to act.

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    Sierra blanca checkpoint #apple,automotive,car,cars,geohot,iphone,jailbreak,news,google,hacking,security,iphone #news,android,galaxy #s5,jailbreak #apps # # #tweaks,towelroot,chrome,google #chrome,hack,evad3rs,evasi0n7,ios #7,app #store #apps,new #apps # # #games,limera1n,unlock,police,facebook,cydia,greenpois0n,p0sixninja,saurik


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    GeoHot

    George Hotz aka “GeoHot” is one of the pioneers of the early jailbreak scene. In December 2015, Bloomberg Businessweek ran a lengthy profile focused on Hotz s new project: a self-driving car kit. He s since secured funding for the project, Forbes reported, and now the kit that promises to transform your car into a self-driving vehicle for just $1,000 seems to be becoming a reality, as The Verge reports.

    George Hotz, one of the pioneers of the early jailbreak scene who used to go by the code-name “GeoHot”, has managed to secure funding for his self-driving kit, Forbes reported Wednesday. Among those interested in his project: the CEOs of graphics giant Nvidia and auto parts supplier Delphi.

    Both CEOs have paid visits to Hotz s basement office in San Francisco’s Potrero Hill neighborhood. In fact, Nvidia s boss sponsored Hotz s project with high-performance GPU cards woth $30,000.

    But more important than that, he s scored an unannounced seed investment from venture capital firm Andreessen Horowitz, valuing the fledgling company at $20 million, according to sources.

    Since wunderkind George Hotz, better known as Geohot, first made a name for himself by hacking the iPhone at age 17, he s bounced around to several projects. He hacked the PlayStation, did some work for Facebook, and more recently popped up in Android land.
    His latest gig is an internship for Google s Project Zero—a team of elite hackers tasked with finding and eradicating serious software vulnerabilities. Back in March Geohot won $150K for exposing Chrome exploits, and it seems the Mountain View company took notice

    Geohot—a name that s virtually synonymous with iPhone jailbreaking—has taken up quite a few different ventures since departing from the jailbreak scene. He s dabbled in Playstation 3 hacking, and working at Facebook. He was even rumored to have been on the precipice of an iOS 7 jailbreak, but nothing formally materialized from him.

    But yesterday, Geohot (real name George Hotz) made his name known on an even wider scale when he released a new rooting tool for the Samsung Galaxy S5 and other Android devices. The tool, which is called Towelroot, is a downloadable package that allows Galaxy S5 users to quickly root their devices. This is especially helpful for GS5 users on Verizon and AT T, because those two mobile carriers lock the bootloader.

    I ve tried out Towelroot on my Galaxy S5, and it works just as described. In fact, it reminds me a lot of Hotz s past jailbreak tools. Check inside for all of the details.

    Google held its Pwnium 4 security competition last week at CanSecWest in Vancouver, Canada. The day-long event ended with hundreds of thousands of dollars being awarded to hackers who demonstrated exploits in Google Chrome. And believe it or not, $150,000 of that went to Geohot.

    For those not familiar with the name, Geohot has picked up a number of headlines over the past 7 years. After hacking the iPhone he took his talents to the PS3, where he caused enough chaos to get sued by Sony. And he s since been spotted at Facebook, iOSDevCamp and various other places

    It s been an interesting couple of days in the jailbreak world. Not only did the evad3rs surprise everyone with an iOS 7 jailbreak early Sunday morning, but there was all this drama surrounding the release which included a new app store and the resurfacing of Geohot.

    After a long break, Geohot s name popped back up this weekend with reports that he was working on his own jailbreak. He obviously didn t get a chance to release it, but he did manage to reverse the evad3r s evasi0n7 app and he says he didn t find anything sketchy

    We ve known this information for a while but since it s now official, there is no more reason for us to sit on it. George Hotz, also know as geohot, also known as the first person to ever unlock an iPhone is back on Twitter.

    After closing his account a couple years ago, geohot is back on the social network, and what we can tell is that he s not Tom Cruise!



    Court Information by County – NY City Criminal Court #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


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    Court Information by County

    Administrative Judge
    Hon. Melissa C. Jackson

    Deputy Administrative Judge
    Hon. Alexander B. Jeong

    Chief Clerk
    Justin Barry

    First Deputy Chief Clerk
    Antonio Diaz

    General Information – addresses, telephone numbers, directions, hours of operation. For more information call the NYC Criminal Court Information Line at (646) 386-4500

    BRONX COUNTY (CRIMINAL DIVISION)

    Supervising Judge
    Hon. George A. Grasso

    Borough Chief Clerk
    William Kalish

    Location
    The Bronx Criminal Court is located at 215 East 161st Street, between Sherman Sheridan Avenues and 265 East 161st Street, between Morris Sherman Avenues.

    Public Transportation Directions
    Take the C, D or 4 train to Yankee Stadium/161st Street Station.
    Take the BX 6 or BX 13 to East 161st Street Sheridan Avenue; the BX 1 to East 161st Street Grand Concourse.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.
    General Information: (718) 618-2400

    Desk Appearance Tickets (DATs),
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 618-2460
    Fax: (718) 537-5164

    Summons Clerk’s Office
    (718) 618-2480

    All other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Information: (718) 618-2460
    Fax: (718) 537-5164

    KINGS COUNTY (Brooklyn)

    Supervising Judge
    Hon. Michael Yavinsky

    Borough Chief Clerk
    Kenneth Fay

    Location
    Kings (Brooklyn) Criminal Court is located at 120 Schermerhorn Street, Brooklyn near Livingston Street Smith Street.

    Public Transportation Directions
    Take the N, R or M train to the Lawrence Street Station; the G train to the Hoyt Street Schermerhorn Street Station; the A, F or C train to the Jay Street Station; the 2, 3, 4 or 5 train to the Borough Hall Station.
    Take the B67, B41 or B45 bus line to Livingston Street Smith Street; the B63 or B65 bus line to Atlantic Avenue Smith Street.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (646) 386-4869

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (347) 404-9400
    Fax: (718) 643-5234

    MIDTOWN COMMUNITY COURT

    Judge
    Hon. Guy Mitchell

    Deputy Chief Clerk
    Andrew Hassell

    Location
    The Midtown Community Court is located at 314 West 54th Street.

    Public Transportation Directions
    Take the N or R train to the 57th Street Station; the A, C. D, 1, 9 train to the Columbus Circle Station.

    Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: 646-264-1300
    Fax: 212-952-3064

    NEW YORK COUNTY (Manhattan)

    Supervising Judge
    Hon. Tamiko A. Amaker

    Borough Chief Clerk
    Eric Black

    Location
    The New York (Manhattan) Criminal Court has 2 locations approximately three blocks south of Canal Street. The Criminal Court building at 100 Centre Street is one block from Worth Street near Leonard Street Franklin Street.

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Wednesday: 8:00 a.m. to 1:00 a.m.
    Thursday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (646) 386-4869

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (646) 386-4511
    Fax: (212) 374-5293

    QUEENS COUNTY

    Supervising Judge
    Hon. Michelle A. Armstrong

    Borough Chief Clerk
    Carey Wone

    Location: The Queens Criminal Court is located at 125-01 Queens Blvd. near Hoover Avenue 82nd Avenue. The Summons Part is located across the street in the Borough Hall Building.

    Public Transportation Directions
    Take the E or F train to the Union Turnpike Station. The Q60, Q37, Q74 and Q46 buses all have stops in close proximity to the Courthouse.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (718) 298-0792

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices

    DAT s – Mondays and Tuesdays 9am-1pm, Fridays 9am-5pm. except holidays.

    Clerk s Office- Mon-Fri 9am-4:30pm. except holidays.

    General Info: (718) 298-0792
    Fax: (718) 520-4712

    RED HOOK COMMUNITY JUSTICE CENTER

    Judge
    Hon. Alex Calabrese

    Assistant Deputy Chief Clerk
    Toni Bullock-Stallings

    Location
    The Red Hook Community Justice Center is located at 88-94 Visitation Place, Brooklyn.

    Public Transportation Directions
    The B61 bus stops a half block from the Justice Center, you may take the A,C or F subways to Jay St/Borough Hall and transfer to the B61.

    Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 923-8200
    Fax: (718) 923-8269

    RICHMOND COUNTY (Staten Island)

    Supervising Judge
    Hon. Alan Meyer

    Borough Chief Clerk
    Ada Molina

    Location
    The Richmond (Staten Island) Criminal Court Building is located at 26 Central Avenue.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Friday: 9:00 a.m. to 5:00 p.m.
    Saturday and Sunday: 9:30 a.m. to 1:00 p.m.

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 675-8558
    Fax: (718) 390-8405

    Summons Courts

    Bronx County (Criminal Division)
    215 East 161st Street, Bronx, NY 10451

    Public Transportation Directions
    Take the C, D or 4 train to Yankee Stadium/161st Street Station.
    Take the BX 6 or BX 13 to East 161st Street Sheridan Avenue; the BX 1 to East 161st Street Grand Concourse.

    Summons Clerk’s Office
    (718) 618-2480

    Kings County (Brooklyn)
    1 Centre street, 16th Floor, New York, NY 10007

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Summons Clerk’s Office
    (646) 386-4869

    Midtown Community Court
    314 West 54th Street, New York, NY 10019

    Public Transportation Directions
    Take the N or R train to the 57th Street Station; the A, C. D, 1, 9 train to the Columbus Circle Station.

    Clerk’s Offices
    General Info: 646-264-1300

    New York County (Manhattan)
    1 Centre street, 16th Floor, New York, NY 10007

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Summons Clerk’s Office
    (646) 386-4869

    Queens County
    (Queen Borough Hall Building)
    120-55 Queens Blvd, Kew Gardens, NY 11415

    Public Transportation Directions
    Take the E or F train to the Union Turnpike Station.
    The Q60, Q37, Q74 and Q46 buses all have stops in close proximity to the building.

    Summons Clerk’s Office
    (718) 298-0792

    Red Hook Community Justice Center
    88-94 Visitation Place, Brooklyn, NY 11231

    Public Transportation Directions
    The B61 bus stops a half block from the Justice Center, you may take the A,C or F subways to Jay St/Borough Hall and transfer to the B61.

    Clerk’s Offices
    (718) 923-8200

    Richmond County (Staten Island)
    26 central avenue Staten Island, New York, 10301

    Clerk’s Offices
    (718) 675-8558

    Public Transportation Directions

    For more detailed public transportation information directions call the M.T.A. Transit Information Line at (718) 330-1234.



    Jeremy Hunt made millions on sale of company that promoted courses in homeopathy #jeremy #hunt, #7 #day #nhs, #homeopathy, #uk #politics, #uk, #news


    #

    Jeremy Hunt made millions on sale of company that promoted courses in homeopathy

    Click to follow
    Indy Politics

    The Health Secretary is believed to have personally netted more than £15 million from the sale of the Hotcourses Group Getty

    The company formerly co-owned by Jeremy Hunt, the sale of which has netted the Health Secretary more than £15m, promotes dozens of courses in alternative medicine including the controversial practice of homeopathy.

    The Hotcourses Group advertises courses in various forms of alternative medicine, including crystal healing, herbal medicine, reiki and spiritual healing.

    The company, which Mr Hunt co-founded in 1996, lists courses on its site for free, but providers can also register with its marketplace for a fee, meaning they can sell their courses directly through the site.

    Homeopathy has been publicly denounced by the Government’s Chief Medical Officer as a “waste of time and money”.

    Three of the homeopathy courses listed on Hotcourses can be booked and paid for instantly, including a £330 Homeopathy Diploma Course from the Hypnotherapy Centre of Excellence.

    One course listed, costing £2,500 and aimed at those with “enthusiasm and some medical and homeopathic knowledge” is the Vithoulkas Classical Homeopathy Practitioner Diploma, a Greek-based company running courses from the private Regent’s University in London.

    Also listed is an online course in homeopathy for beginners, costing £289.99, run by Stonebridge Associated Colleges, which is given a “trusted provider” rating by Hotcourses.

    Mr Hunt first publicly indicated support for homeopathy in 2007 – before he became Health Secretary – when he signed an early day motion welcoming the availability of homeopathy on the NHS in 2007 and calling on the then-Labour government to support homeopathic hospitals.

    Mr Hunt then asked the government’s chief medical officer Dame Sally Davies to commission expert reviews of three homeopathic studies which medics had dismissed.

    But the CMO found there was no evidence from the studies that the treatment was effective, and publicly denounced homeopathy as “a waste of time and money”.

    Homeopathy is a system of alternative medicine created in 1796 by Samuel Hahnemann, based on his doctrine of “like cures like” – a belief that a small dose of what causes disease in a healthy person will cure a sick person.

    In 2014, Mr Hunt told The Independent he was “not a supporter of homeopathy” in spite of his backing the early day motion, but that he believed in a rigorous examination of the science behind all treatments.

    The World Health Organisation has advised against the use of homeopathy to treat serious illnesses and numerous medical bodies and professionals have derided it as “quackery” and a “sham”.

    Hotcourses, which is used by millions of prospective students each year, lists courses in more conventional areas of healthcare as well as career guides.

    While the Government has angered many GPs this week by suggesting surgeries should open seven days a week, Hotcourses advises: “Full-time work for GPs is defined as 37.5 hours a week. This can include evening and weekend work. Many GPs will do some emergency on-call work, although the use of deputising services is becoming widespread.”

    Mr Hunt was accused of keeping a low profile last week after the Red Cross said the strain the NHS is currently under amounted to a “humanitarian crisis”.

    The Health Secretary denied this was the case and said that only “one or two” hospitals were experiencing serious difficulties.

    Jeremy Hunt says only ‘one or two hospitals’ are in trouble despite claims of a humanitarian crisis

    But one thing Mr Corbyn may have in common with Mr Hunt is their shared belief that there is room for homeopathy in the NHS budget.

    Mr Corbyn was mocked by some when a tweet was dug up from 2010 in which he said: “I believe that homeo-meds works for some ppl and that it compliments ‘conventional’ meds. They both come from organic matter. ”

    Despite a lack of clear scientific evidence to support it, homeopathy certainly has its believers. In the UK, two NHS hospitals provide homeopathy, as well as a number of GP practices. An undergraduate degree in homeopathy run by the University of Central Lancashire was abandoned in 2008 due to low recruitment and what course leaders called “relentless attacks from the anti-homeopathy league.

    Labour MP John Mann told The Independent that with the promotion of courses through private providers on Mr Hunt’s website, “borders become grey and murky. But the main problem with Jeremy Hunt is the way is running and funding the NHS.

    “He has made that enormous sum of money is a few seconds, and that money would employ lots of people in the NHS. It would pay off the deficit in my hospital trust and quite a lot of others as well, and it’s that contrast that’s particularly irksome for people. What it highlights is how much we are under-funding the NHS compared to how easy it is to make a fortune in buying and selling things.”

    Mr Hunt’s continued involvement with his company was called into question when he was Culture Secretary, most notably when The Daily Telegraph reported that the company had avoided a £100,000 tax bill just two days before a rate rise in 2010. Mr Hunt stood down as director of the company in 2009, but remained a major shareholder.

    Mr Hunt said today: “I am incredibly proud to have set up a successful business, even prouder of the current Hotcourses team who have taken it from strength to strength, and intend to use a significant proportion of the proceeds to campaign for causes I believe in when I eventually leave frontline politics.”



    4% Interest, Without Fees: Too Good to Be Checking? #personal #finance, #bankrate #inc, #banks, #business #news


    #

    4% Interest, Without Fees: Too Good to Be Checking?

    Let’s be honest, the interest rate on most interest-bearing checking accounts these days is a joke. The average rate is a measly 0.05 percent, according to the latest report from the FDIC.

    Imagine if you could earn 3 or 4 percent interest on a “free” checking account – with no minimum balance requirement, no monthly fees and free transactions at any ATM in the country?

    It sounds too good to be true, but it’s not.

    The Kasasa checking account (pronounced kah-sah-suh) offered by dozens of community banks and credit unions across the country is for real. Right now, 29 of these institutions are paying 3 to 4 percent APY to those who qualify.

    The 4.01 APY offered by Pelican State Credit Union in Baton Rouge is 80 times more than the average interest-free checking account pays these days. Heck, it’s more than four times what you can make with the average 5-year CD. (National average: 0.86 percent, Bankrate.com )

    “Consumers have been wrongly led to believe that earning competitive rates on checking is not an option anymore,” said Kasasa CEO Gabe Krajicek. “That’s costing them hundreds of dollars each year.”

    For many people, the Kasasa account can be an easy way to boost the return on cash savings.

    “It’s a good way to put all or most of your emergency fund into an account that’s going to earn a higher rate of return without sacrificing safety or liquidity,” said Greg McBride, senior financial analyst at Bankrate.com.

    The key is you have to clear certain hurdles every month to earn that higher interest rate: get an e-statement, log in to online banking and use your debit card 10 times.

    “For most people it’s not hard to satisfy the qualification criteria,” Krajicek said. “This is the stuff you probably do anyway.”

    Should you fail to qualify for that month, say you only used your debit card nine times, you’ll get paid a much lower rate that’s comparable to a typical checking account.

    “While the interest drops, there is never any sort of fee and you can try next month to meet all the qualifications,” Krajicek explained.

    Joe Ridout, who lives in San Francisco, is very happy with his Kasasa checking.

    “It’s a no-brainer,” he said “It beats the pants off of any other bank account I have.”

    Ridout is the spokesperson for the advocacy group Consumer Action, so he knows a good deal when he finds it.

    “If you are interested in saving money in a bank account, this is an easy way to do it,” he told me. “You’ll earn exponentially more than what you’d get from a mega-bank as long as you meet the monthly requirements.”

    How do they do it?

    Kasasa is designed to attract the type of customers that community banks and credit unions want: people who lower their costs and generate revenue.

    A financial institution saves around $2 a month when an e-statement replaces a paper one. They make money every time you use your debit card. People who use online banking are more self-serve and that helps reduce overhead costs.

    And it turns out, someone who has Kasasa checking is also twice as likely to apply for a loan.

    Even so, there’s a limit to how much profit a bank can expect to make from these accounts. That’s why there’s a cap on the amount of money that can earn the maximum interest rate. It varies from $5,000 to $50,000 depending on the institution.

    “We’re not trying to make this a place to park a million dollars,” Kasasa’s Krajicek told me.

    What he wants to do is get more people to invest their money with community banks and credit unions because they offer personal service and reinvest that money in the local community.

    “There are so many community financial institutions that will treat you like a person and not a number,” Krajicek said. “Consumers really do have a much better banking alternative than just sitting there and having it stuck to them by mega-banks.”



    How to protect your child’s credit – FOX 14 TV Joplin and Pittsburg News Weather Sports #bank #loans #for #people #with #bad #credit


    #how to apply for student loans
    #

    More from Bills.com More

    By Andrew Housser

    Identity theft is terrible when it happens to anyone. The consequences range from hassle to financial disaster. But what if someone stole your identity, and you had no idea, perhaps for years while the thief opened credit cards or secured vehicle loans, filed taxes and pocketed the refunds, or even took government benefits?

    It is possible, particularly with children the group most at risk for this type of unrecognized theft. A 2011 study found that more than 10 percent of victims of identity theft were children. This makes children 51 times more likely to be victimized than adults. The tips below can help you protect the children in your life.

    1. Know the warning signs.

    Possible identity theft has warning signs. The most obvious is if a child begins to receive credit card or loan offers in the mail, or collection calls. Sometimes, a child receives a notice from the Internal Revenue Service about unpaid taxes. Others may be denied government benefits such as Medicaid because the Social Security number has been used. Sometimes, the theft goes undetected until a child applies for a driveR s license or bank account. A fraud victim may be denied because his or her Social Security number has been used with another name.

    2. Check the child s credit reports.

    Adults and minors older than age 14 can request free credit reports once per year from AnnualCreditReport.com or by calling 877-322-8228. Check your child s credit reports using his or her Social Security number. If no reports exist, the child s credit has never been used. This is an indicator that all is likely well.

    3. Understand when a child might have a credit report.

    Some minors legitimately have a credit report. In many cases, this is because parents have added a teen as an authorized user on a credit card account. Other minors may be joint account holders or have a small bill, such as a cell phone, in their names. In these cases, having credit reports is valid. Still, parents or guardians and teens should review the reports together to make sure they do not contain inaccurate information or errors. If you do spot an error, report it to the credit bureau in writing and request a correction.

    4. Keep Social Security numbers secret.

    Do not share your child s Social Security number, even with family members. If you receive information that any relevant data such as tax return, school or health insurance information has been exposed in a security breach, take necessary precautions with your child s information as well as your own. If you are asked for a Social Security number for identification purposes, ask if you can use only the last four digits, or see if you can identify the child in some other way.

    5. Be especially careful regarding foster children.

    Foster children are especially at risk of identity theft. This is because their information passes through many hands. Sadly, these children face even greater challenges if their identities are stolen. Fortunately, in 2011 Congress passed legislation requiring child welfare agencies to help foster kids check and repair their credit when they turn 16.

    6. Handle fraud or identity theft quickly.

    If you believe your child is a victim of identity theft, respond quickly. Contact each of the credit bureaus to report the fraud. Tell at least one of the credit bureaus to place a fraud alert on the account (one company will contact the others). You also should file a fraud report with the Federal Trade Commission (FTC) online or by calling 877-438-4338.

    7. If a child already is a victim, consider a credit or security freeze.

    A credit freeze shuts access to an existing credit file, making it impossible for anyone to open a credit card or loan using a Social Security number. If a child is a fraud victim, parents may opt to do this. You need to arrange the freeze individually with each credit bureau. See more details from the Identity Theft Network .

    In addition, it s possible in some states for parents to proactively do a credit freeze for any child. If the child has no credit file, in these states, the credit bureau would create a file in order to place a freeze on it. Currently, legislatures have made these credit freezes available to parents or guardians in about 20 states. Be aware, however, that there is a downside to this option. Should someone try to apply for a loan using a child s stolen (but unfrozen) information, the lender will be informed that there is no credit history, and the applicant is a minor. This could result in the fraud being reported, and perhaps the thief s capture. With a freeze on the account, the lender would never be informed of attempts to use the number.

    Fortunately, most children will avoid identity theft. For those who are victimized, the best defense is catching the situation early. By reporting the fraud, you can help salvage the child s credit profile in time for grown-up responsibilities such as a job application, student loan or car loan.

    Andrew Housser is a co-founder and CEO of Bills.com. a free one-stop online portal where consumers can educate themselves about personal finance issues and compare financial products and services. He also is co-CEO of Freedom Financial Network, LLC providing comprehensive consumer credit advocacy and debt relief services. Housser holds a Master of Business Administration degree from Stanford University and Bachelor of Arts degree from Dartmouth College.



    How to Dodge the 7-Year Car Loan – US News #get #a #loan #with #bad #credit


    #new car loans
    #

    Don’t let the car salesman lure you into a 7-year loan.

    The seven-year car loan is becoming more popular among consumers who buy new cars, according to a recent survey by Experian, one of the three major U.S. credit bureaus. The finding raises concerns because the longer the term, the more interest consumers will pay over the life of the loan.

    Simon Zhen

    Since a longer loan means a higher effective cost of the new car, you might expect consumers to shy away from them. But Experian’s data showed otherwise.

    In the second quarter of this year, nearly 16 percent of new-car financing loans had repayment terms of 73 to 84 months, up from about 15 percent in the previous quarter. Meanwhile, the average repayment term for a new-car loan is 64 months, up from just 63 months in 2008.

    A borrower who applies for a 5-year car loan for $25,000 at 4.50 percent APR will have monthly payments of $466 and pay $2,960 in total interest. A 7-year loan for the same amount at the same interest rate will have monthly payments of $348 and $4,232 in interest.

    The monthly payments for a 7-year loan are lower, but they come at a cost of $1,272 in extra interest paid over the life of the loan.

    As lenders start to lend again, after tightening underwriting standards following the financial crisis, dealerships are more likely to offer longer-term loans. If you are on the market for any car, here’s how you can prevent yourself from being lured by the 7-year loan:

    Maximize your credit score.

    When you apply for a car loan, your credit score is going to be used to determine the terms of your loan. With a higher credit score, you are more likely to get lower borrowing rates and better terms. It’s also a personal credential that gives you leverage when negotiating an agreement with the dealership.

    Put down as much cash as possible.

    Like any loan, paying with more cash will leave you with a smaller principal, and possibly lower rates. Since you’ll owe less from the beginning, you’ll be less inclined to take on a long-term loan. The financial benefits add up when you get a lower rate and you start off with a lower loan balance. Monthly payments are also more likely to be lower.

    Set a maximum price for your car purchase.

    A salesman’s aggressive mode of operation is no secret when it comes to selling cars, and that tenacity extends to financing options, too. Consumers who express concerns over their ability to afford a nicer model will cause car salesmen to push long-term car loans. They will use the lower monthly payments to convince you that it is possible to own the latest model without having to live on rice and beans for the next several years. By establishing a limit to your new car purchase, you close the doors on the possibility of larger financial burden.

    Calculate the final costs of the loan.

    Take the time to determine the total costs of loans with different repayment durations. The difference between these final costs will play a major role in dissuading you against the longer-term option. After all, if you perform your due diligence, you could end up saving thousands of dollars in the long run.

    Simon Zhen is a columnist and staff writer for MyBankTracker.com. His columns cover all aspects of personal finance—with a particular emphasis on bank rates, products, and services .



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