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World Series 2016: Chicago Cubs beat Cleveland Indians in Game 7

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World Series 2016: Chicago Cubs beat Cleveland Indians in Game 7

From Curse of the Bambino to the Billy Goat Curse, he ended another jinx.

After defeating San Francisco and the Los Angeles Dodgers in the playoffs, Chicago became the first team to earn a title by winning Games 6 and 7 on the road since the 1979 Pittsburgh Pirates.

While Cubs fans hugged with delight, there was only despair for the Indians, who now have gone longer than anyone without a crown.

Dexter Fowler homered on Corey Kluber’s fourth pitch of the game, 23-year-old Javier Baez and 39-year-old David Ross also went deep for the Cubs, who led 5-1 in the fifth inning and 6-3 in the eighth.

Chapman wound up with the win and Montgomery got one out for his first save in the majors.

Bryan Shaw, who gave up a leadoff single to Kyle Schwarber in the 10th, took the loss.

Download a memento photo of the Wrigley Field marquee

It was just the fourth time that a Game 7 went to extra innings, and the rain delayed play until 12:11 a.m. in a still-packed ballpark.

Albert Almora Jr. pinch-running for Schwarber, alertly took second on Bryant’s long fly to center. Rizzo was intentionally walked and Zobrist slapped an opposite-field double past a diving third baseman Jose Ramirez. Montero singled to make it a two-run lead.

Then in the bottom half, Carl Edwards Jr. struck out Mike Napoli, Ramirez grounded out, Brandon Guyer walked and Davis hit an RBI single. Montgomery took over, and helped set off a wild celebration on Chicago’s North Side.

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Jim Rose interviews Mike Montgomery after he closes Game 7 to win the World Series.

Cubs jumped on each other between the mound and second base, and their fans in the stands kept cheering.

Twenty-one other teams had won the World Series since Cubs last were champions. They reached the top again on the 39,466th day after Orval Overall’s three-hit shutout won the 1908 finale at Detroit in a game that took 1:24. At the time, Theodore Roosevelt was president, New Mexico, Arizona, Alaska and Hawaii were not yet states, and the first Ford Model T car was two weeks old.

The Cubs were last champions when Joe Tinker, Johnny Evers and Frank Chance won consecutive titles in 1907-08, until now the only ones in team history. The Cubbies had not even reached the Series since 1945.

This one was for Ernie Banks, Ferguson Jenkins, Ron Santo and Billy Williams, who never reached the postseason.

For Gabby Hartnett, Ryne Sandberg and Greg Maddux, whose October runs fell short.

For Lee Elia and the “nickle-dime people” who spent so many wind-swept afternoons in the Friendly Confines watching loss after loss.

For Bill Veeck, who planted ivy vines against Wrigley Field’s outfield walls.

For William Sianis, the Billy Goat Tavern owner said to have proclaimed when he was asked to leave Wrigley with his pet during the ’45 Series: “Them Cubs, they ain’t gonna win no more.”

For Steve Bartman, whose life was upended when he tried to catch a foul ball as the Cubs came apart in the 2003 playoffs.

And for Harry Caray, who promised viewers after the 1991 finale that “sure as God made green apples, someday the Chicago Cubs are going to be in the World Series.”

Maddon, hired before the 2015 season, won his first Series title after establishing a loose clubhouse that featured at times Warren the pink flamingo, Simon the magician and the motto: “Try not to suck.”

Mayor Rahm Emanuel released a statement, saying:

“From Opening Day in April to a historic November night, the Cubs championship season united the city of Chicago and fans around the world behind this incredible team. The Chicago Cubs winning the World Series is about more than a game, more than a team, and more than a sport. It is about the families who have passed down a love for the Cubs from mothers and fathers to their sons and daughters, and from grandparents to grandchildren. It is about generations who have come together around radios, televisions, and within the friendly confines of Wrigley Field to root for the home team and share triumphs and defeats. Cubs fans have never given up hope that this day was possible, and this young team made it happen. Congratulations to the Ricketts family, Joe Maddon, Theo Epstein, and the players, staff, and fans who together broke the longest drought in professional sports and made history this year. Go Cubs go!”

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Cubs fans give Wrigleyville cops high-fives after World Series win

Police saturated Wrigleyville, taking up positions along Clark Street and on circular perimeters that ripple out from an empty Wrigley Field.

The rain kept crowds down early but as the game progressed and Cubs’ lead widened, fans began migrating in as if being called to baseball’s Mecca.

Although the atmosphere is festive, it began this way with previous sports championships. After each of the Bulls’ NBA titles, crimes were committed under the cover of celebration. Looters crashed West Side stores on midnight shopping sprees and arsonists set fires.

More recently, following the Blackhawks Stanley Cup title, revelers went overboard throwing bottles at police and vandals damaged Lincoln Park stores.

“We do have enough resources in place to mobilize city-wide if necessary,” said Richard Guidice, director of Chicago Office of Emergency Management.

Since the Bulls and Blackhawks began dynasty-building 25 years ago, each championship has been followed by some violence and police have refined their crowd control tactics.

Hundreds of uniformed officers boarded buses Wednesday afternoon and were taken to Wrigleyville to set a perimeter and checkpoints, backed by Illinois State Police that have an armored SWAT vehicle tucked away on a side street just in case.

Police sources also said a fleet of rented vans are also fueled up in case a quick deployment is needed in other parts of the city. Chicago budget officials said Major League Baseball is not paying for police overtime.

“We haven’t calculated any costs as of yet. We can wait and have that discussion after the World Series,” Guidice said.

GAME 6 AND 7 PARKING RESTRICTIONS

Cubs fans headed to Wigelyville and residents in the neighborhood should be aware of parking restrictions in effect around Wrigley Field.

No parking between Tuesday, Nov. 1 at noon through Friday, Nov. 4 at 4 a.m.:
– Clark from Aldine to Irving Park
– Sheffield from Grace to Roscoe
– Addison from Halsted to Southport
– Racine from Clark to Roscoe
– Irving Park from Clark to Seminary
– Eddy from Clark to Racine
– Cornelia from Clark to Racine
– Newport from Clark to Racine
– Patterson from Clark to Racine
– Clifton from Waveland to Grace
– Seminary from Waveland to Grace
– Kenmore from Waveland to Grace
– Seminary from Newport to Eddy
– Cornelia from Wilton to Sheffield
– Grace from Wilton to Clark
– Waveland from Wilton to Racine
– Waveland from Wilton to Racine

Through Wednesday, Nov. 2, motorists and residents can also expect parking restrictions from 5 p.m. to 6 a.m. daily, on the following streets:
– Webster from Sheffield to Bissell
– Lincoln from Webster to Fullerton

– Division from State to Dearborn
– Hubbard from State to LaSalle
– Wells from North Avenue to Division
– Kinzie from State to Clark

The Associated Press contributed to this report.


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.



About Us – Fast Auto Loans, Inc #poor #credit #loans


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Title Loans Approved In California For Up To $15,000!

About Us

FAST IN-STORE APPROVALS! Get Your Cash In 30 Minutes or Less. Don’t Wait. Contact Us Today!

All across the state of California, people in need of emergency cash know where to go for the cash they need. A title loan from Fast Auto Loans, Inc, will enable you to meet some of your financial challenges. With our experience and professionalism, we can help you get a fast cash title loan that works for you in 30 minutes or less. Get started today! With our statewide network of convenient locations, you can find a Fast Auto Loans, Inc location right in your neighborhood.

Our Commitment To Customer Service

At Fast Auto Loans, Inc you can always count on being treated with the courtesy and respect you deserve. Our team of professional loan representatives will take the time to help you find a fast cash title loan that is right for you and make sure you get access to your cash as soon as possible.

Thank you for choosing Fast Auto Loans, Inc for your fast cash needs. Get started now by completing our online form and a representative will call you with all the details about getting the cash you need with a title loan.

About Us

All across the state of California, people in need of emergency cash know where to go for the cash they need. A title loan from Fast Auto Loans, Inc, will enable you to meet some of your financial challenges. With our experience and professionalism, we can help you get a fast cash title loan that works for you in 30 minutes or less. Get started today! With our statewide network of convenient locations, you can find a Fast Auto Loans, Inc location right in your neighborhood.

Why Choose Fast Auto Loans, Inc?

At Fast Auto Loans, Inc you can always count on being treated with the courtesy and respect you deserve. Our team of professional loan representatives will take the time to help you find a fast cash title loan that is right for you and make sure you get access to your cash as soon as possible.

Thank you for choosing Fast Auto Loans, Inc for your fast cash needs. Get started now by completing our online form and a representative will call you with all the details about getting the cash you need with a title loan.



About Us- Loans For Military #express #loans


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About Us

Loans For Military introduces itself as a trustable loan arranging company. Our services are available for arranging a variety of loan options, including military loans, loans for military, bad credit military loans, no credit check military loans, military payday loans and military signature loans.

Loans For Military has expanded its services all over the nation, which empowers us to serve all customers in a better way and borrowers can make an application with us from any part of the country.

We, at Loans For Military, do not follow any time constraint when it comes to the application process. Therefore, whenever you want you can make an application with us just by submitting our online loan application form. We offer our services 24 hours a day, 7 days a week and 365 days a year. Therefore, whenever you need our assistance in order to smooth out your lending process, you can contact us.

We, at Loans For Military, can arrange loan deals for all kinds of borrowers, including those who are suffering from bad credit problem. There is no credit checking process with us and in addition, we do not charge any application fee from the borrowers as well.

Privacy has also been included in our services so that we can maintain our service authenticity. Our privacy policy will always assure you of the safety of your documents. Trust Loans For Military if you need any kind of loan in order to solve your monetary problems.



About us – Nationwide Auto Lending #credit #union #student #loans


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About Us

Nationwide Auto Lending is your reliable auto finance company regardless of your credit score or prior credit history. Nationwideautolending.com is recognized as the leading provider of bad credit auto loans in the United States. We will help you obtain auto financing for bad credit so you can own the car you really want..

Nationwide Auto Lending is committed to helping customers that have been unable to secure loans through conventional lending sources!

Why to choose Nationwide Auto Lending?

  • Get approved for any make and any model
  • Fast auto loan approval
  • Competitive interest rate
  • Outstanding customer service
  • Free obligation loan quote
  • No obligation
  • Low down payment
  • Credit decision in hours
  • Same day financing
  • Online loan status
  • Helps you find a dealer in your area

Nationwide Auto Lending is the right place for everyone who is shopping for a new or used automobile looking for loans with competitive rates, flexible terms and more. It does not matter what your credit score is, we can serve you with the most affordable car loans deals.

We are rated #1 for bad credit auto financing in all 50 states. Once your financing is approved you simply select the new or used car you want to own. So if you need car financing for bad credit without any hassles or fees just complete our free online auto loan appllication below and get approved in a couple hours. It is just that easy so let’s get you approved today!



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


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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.



Personal Loan of $25, 000 in US? Bank to apply? Credit History? #consolidating #debt


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Personal Loan of $25,000 in US? Bank to apply? Credit History?

Recently, I wrote an article on the best way to pay off your education loan after Job. If you have read it, I have mentioned, I took a $25,000 loan in US and sent it to home country to save good amount of money.  The question that might have come to your mind is, Where the hell should I apply to get $25,000 Loan ?  Which bank should I apply. How should I build credit history ?  I will try to address some these things in this article and how I got my loan.

Importance of Credit History

Credit history in US is of significant importance, if you do not have good history…you are basically screwed…You do not want to commit any mistakes in the beginning (first  few months in US) to build your credit history. Read this article on How to build good credit history in US .  Anyways, if you have bad credit history, it is not a good idea to apply for a personal loan. It can even ruin your credit history more. You just need to know your credit score and assess how much history you have build before applying.

Which Banks to apply. National or Local ?

Most of you might have an account in nationalized bank like Chase, Bank of America, US bank…the fact is, I would not recommend applying to the nationalized banks. Simple logic, there is too much hassle there and too many rules to deal with because you are dealing with a big bank on a national level. The odds are you getting approval with decent credit score is relatively less. So, where should you apply. Ever heard of the credit unions ?  Yes, you should apply in credit unions or local banks. Credit unions are very local and they usually deal with local customers and meant for community development and not just mere profit. They will have all the facilities you need and the size of the bank and attention you get is much more. I applied my loan in a credit union and got it approved. So, did my friends…

How to build a good relationship with Banks like Credit Unions ?

When I landed in US for the first time fortunately, I opened an account in a local credit union. I deposited some amount and then did not use it much. After 2 and half years, I called them and asked if I can apply for a personal loan and they said sure. I did some paperwork submitted my pay stubs and I got the loan approved. The reason I say this story is, I opened the account long time ago and had some transactions with them. I have been an old customer for them for 2 and half years…it is basically building the history of the account and not just credit history. Though my credit score was not super high, I got my loan approved because I was an old customer.  So, if you plan to take such personal loans, I would recommend you to open one of those accounts in credit unions and do keep doing some transactions and just build some history.  You have to be very careful; do not open too many bank accounts, unless needed.

Overall, just do not screw up your credit history by applying to every card that comes in mail. Try to build good credit history and if you have plans to take personal loan, open an account in a small credit union and build some history. Once you are prepared, at the right time with right credit history you can apply for personal loan and you will get it approved without any hassle.

Did you apply for any personal loans in US. Any experiences ?

Image Credit. http://www.flickr.com/photos/mudricky/1546480135/sizes/m/



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



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


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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 .



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


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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.



Egypt gives Jared Kushner cold welcome after US cuts military aid, News, DW, us military aid by country.#Us #military #aid #by #country


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Egypt gives Jared Kushner cold welcome after US cuts military aid

Egypt’s Foreign Ministry first snubbed then relented and met US presidential adviser – and Trump son-in-law – Jared Kushner. The US reportedly cut aid to Egypt due to human rights abuses.

Us military aid by country

Cairo on Wednesday expressed regret over Washington’s decision to cut aid to Egypt on the eve of the US presidential adviser’s official visit aimed at reviving the stalled Israeli-Palestinian peace process.

“Egypt considers this step as a misjudgment of the nature of the strategic relations that binds the two countries over decades, and reflects the lack of understanding of the importance of supporting the stability and success of Egypt,” said a statement from the Foreign Ministry.

According to US media, Washington blocked nearly $100 million (84.8 million euros) in military and economic aid and delayed the disbursement of nearly $200 million (169.6 million euros) due to Egypt’s lack of progress on human rights abuses.

The sum is noteworthy due to the amount of military aid Egypt receives from Washington. Egypt is the second-largest recipient of US aid behind Israel with approximately $1.5 billion annually.

The move “implies a mixing of cards that may have negative repercussions on achieving Egyptian-American common interests,” Egypt’s Foreign Ministry added.

Us military aid by country

A history of the Middle East peace process

UN Security Council Resolution 242, 1967

United Nations Security Council Resolution 242, passed on 22 November 1967, called for the exchange of land for peace. Since then, many of the attempts to establish peace in the region have referred to 242. The resolution was written in accordance with Chapter VI of the UN Charter, under which resolutions are recommendations, not orders.

Us military aid by country

A history of the Middle East peace process

Camp David Accords, 1978

This picture, taken on March 26 1979, shows Egyptian President Anwar Sadat, his US counterpart Jimmy Carter and Israeli Prime Minister Menachem Begin after signing the peace treaty in Washington. A coalition of Arab states, led by Egypt and Syria, fought in the Yom Kippur or October War in October 1973. This war eventually led to the peace talks which lasted 12 days and resulted in two agreements.

Us military aid by country

A history of the Middle East peace process

The Madrid Conference in 1991

The US and the former Soviet Union came together to organize a conference in the Spanish capital city of Madrid. The discussions, which involved Israel, Jordan, Lebanon, Syria, and the Palestinians, who met with Israeli negotiators for the first time, achieved little, although it did create the framework for later talks.

Us military aid by country

A history of the Middle East peace process

Oslo Agreement, 1993

Negotiations, which took place in Norway, between Israel and the Palestinian Liberation Organization (PLO) resulted in the first deal between the two sides, the Oslo Accord. The agreement was signed in the US in September 1993. It demanded that Israeli troops withdraw from West Bank and Gaza and a self-governing, interim Palestinian authority be set up for a five-year transitional period.

Us military aid by country

A history of the Middle East peace process

Camp David 2000

US President, Bill Clinton, invited Israeli Prime Minister, Ehud Barak, and PLO Chairman, Yasser Arafat, to discuss borders, security, settlements, refugees, and Jerusalem. Despite more detailed negotiations than ever before, no agreement was reached. The failure to reach a consensus at Camp David was followed by renewed Palestinian uprising.

Us military aid by country

A history of the Middle East peace process

The Arab Peace Initiative 2002

The Camp David negotiations were followed by meetings in Washington, then in Cairo and Taba, Egypt. They too were without results. Later, the Arab Peace Initiative was proposed in Beirut in March 2002. The plan called on Israel to withdraw to the lines of June 1967, so that a Palestinian state could be set up in the West Bank and Gaza. In return, Arab countries agreed to recognize Israel.

Us military aid by country

A history of the Middle East peace process

The Roadmap, 2003

The US, EU, Russia and the UN worked together as the Middle East Quartet to develop a road map to peace. In June 2003, Prime Minister Sharon and his Palestinian counterpart Mahmoud Abbas, accepted the road map, with the Security Council also approving it in November. The timetable called for the final agreement to be reached in 2005. Unfortunately, it was never implemented.

Us military aid by country

A history of the Middle East peace process

Annapolis, 2007

In 2007, US President George W. Bush hosted a conference in Annapolis, Maryland, to re-launch the peace process. Israeli Prime Minister, Ehud Olmert, and Palestinian Authority’s President, Mahmoud Abbas, took part in talks with officials from the Quartet and over a dozen Arab states. It was agreed that further negotiations would be held with the goal of reaching a peace deal by the end of 2008.

Us military aid by country

A history of the Middle East peace process

Washington 2010

In 2010, special US Envoy George Mitchell’s efforts led to Israeli Prime Minister Benjamin Netanyahu agreeing to and implementing a ten-month moratorium on settlements in disputed territories. Later, Netanyahu and Abbas agreed to re-launch direct negotiations to resolve all issues. Negotiations began in Washington in September 2010, but within weeks there was a deadlock.

Us military aid by country

A history of the Middle East peace process

Cycle of escalation and ceasefire continues

A new round of violence broke out in and around Gaza late 2012. A ceasefire was reached between Israel and those in power in the Gaza Strip, which held until June 2014. The kidnapping and murder of three Israeli teenagers in June 2014 resulted in renewed violence, and eventually led to the launch of the Israeli military operation, Protective Edge, which ended with a ceasefire on 26 August 2014.

Us military aid by country

A history of the Middle East peace process

Paris summit, 2017

Envoys from over 70 countries have gathered in Paris, France, to discuss the conflict between the Israelis and Palestinians. Netanyahu has slammed the discussions as “rigged” against his country. Neither Israeli nor Palestinian representatives are attending the summit. “A two-state solution is the only possible one,” French Foreign Minister, Jean-Marc Ayrault, said at the opening of the event.

Author: Aasim Saleem

Presidential adviser Jared Kushner, son-in-law of US President Donald Trump, arrived in Cairo on Wednesday to wrap up a multicountry visit across the Middle East to shore up support for the Israeli-Palestinian peace process.

Upon arriving in Egypt, the Foreign Ministry first announced that it had canceled a pre-scheduled meeting with Kushner in an apparent response to the military and economic aid cuts. However, the Egyptian president’s spokesman later said Kushner will meet with the country’s head of state instead.

The Foreign Ministry also later relented and agreed to a sit-down with Kushner to discuss ways to revive Israeli-Palestinian peace negotiations.

US-Egyptian relations have witnessed a thaw under the Trump administration, with the US president hailing Egyptian President Abdel-Fattah el-Sissi as a key ally in the war against terrorism.

“I just want to let everybody know in case there was any doubt that we are very much behind President Sissi,” Trump said after meeting the Egyptian president in Washington in April. “He’s done a fantastic job in a very difficult situation. We are very much behind Egypt and the people of Egypt.”

Relations between Cairo and Washington had soured in the wake of a military coup against Egypt’s first democratically elected president, Mohamed Morsi of the Muslim Brotherhood, in 2013. Former US President Barack Obama responded to the ensuing crackdown by freezing military aid.



Utah Bankruptcy Exemptions, us bankruptcy court utah.#Us #bankruptcy #court #utah


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Utah Bankruptcy Exemptions

Updated May 20, 2016

If you file for Chapter 7 bankruptcy in Utah, the Utah bankruptcy exemptions can help you keep some or all of your property. If you file for Chapter 13 bankruptcy, the Utah bankruptcy exemptions may reduce the total amount you must pay your unsecured creditors. (Learn how bankruptcy exemptions work in both Chapter 7 and Chapter 13 bankruptcy.)

Below you can learn what property the Utah bankruptcy exemptions protect, whether you can use the federal exemptions in Utah, what happens to exemptions if you are married and filing jointly, and more.

You Cannot Use the Federal Bankruptcy Exemptions in Utah

Some states allow you to choose between using the state exemptions and a list of federal bankruptcy exemptions. In Utah, however, you do not have this choice; you must use the Utah bankruptcy exemptions.

Although you can t use the federal exemptions in Utah, you may use any of the federal non-bankruptcy exemptions. The federal non-bankruptcy exemptions protect property such as federal retirement accounts and veterans benefits. You can use both the federal non-bankruptcy exemptions and the state exemptions; you don t have to choose between the two lists.

Married Couples May Double the Utah Bankruptcy Exemptions

Unless otherwise stated, if you are married and filing a joint bankruptcy petition, you can double the amount of the Utah bankruptcy exemption if you both own the property. If only one spouse owns the property, then you cannot double the amount.

Common Utah Bankruptcy Exemptions

Below are some of the most commonly used bankruptcy exemptions. The statute citations, unless otherwise noted, are to the Utah Code.

Homestead Exemption

In Utah, you can exempt up to $30,000 of the equity in any real estate if it s your primary residence, including your home, mobile home, or any water rights you have. You can exempt up to $5,000 in real estate that is not your primary residence. (Learn more in The Utah Homestead Exemption.) 78B-5-504

Personal Property

In Utah, you can exempt the following types of personal property. 78B-5-505 and 78B-5-506

  • animals, books, and musical instruments, up to $1,000 total
  • artwork depicting or produced by a family member
  • bed, bedding, and carpets
  • burial plot
  • clothing (but not furs or jewelry)
  • dining and kitchen tables and chairs, up to $1,000 total
  • firearms: one shotgun, one handgun, one shoulderarm; 1,000 rounds of ammunition for each of the foregoing firearms
  • food to last one year
  • health aids
  • heirlooms, up to $1,000 total
  • personal injury and wrongful death recoveries for you or someone you depended on
  • proceeds from sold, lost, or damaged exempt property
  • refrigerator, freezer, microwave, stove, sewing machine, washer, and dryer
  • sofas, chairs, and other furniture, up to $1,000 total

Motor Vehicle Exemption

In Utah, you can exempt up to $5,000 of equity in a car, van, motorcycle, truck, SUV, or other motor vehicle. (To learn more, see The Utah Motor Vehicle Exemption.)

Pensions

Tax exempt retirement accounts (including 401(k)s, 403(b)s, profit-sharing and money purchase plans, SEP and SIMPLE IRAs, and defined benefit plans). 11 U.S.C. 522.

IRAS and Roth IRAs to $1,283,025. (This amount is adjusted every three years. For the most recent figure, see Your Retirement Account in Bankruptcy.) 11 U.S.C. 522(b)(3)(C)(n); 15-41-30(A)(13)

Erisa-qualified benefits, IRAs, Roth IRA, if the benefits have accrued or the contributions were made at least one year before you filed for bankruptcy. 78B-5-505(1)(a)(xiv)

Other pensions and annuities that you need for support. 78-23-6(3)

Public employees. 49-11-612

Public Benefits

Crime victims compensation. 63-25a-421(4)

General assistance. 35A-3-112

Occupational disease disability benefits. 34A-3-107

Unemployment compensation. 34A-3-103(4)(b)

Workers’ compensation. 34A-2-422

Tools of Trade

Tools, books, and implements used in your trade or profession, up to $5,000. 78B-5-506(2)

Wages

Earnings to the lesser of (1) 75% of disposable income, or (2) 37 times the federal minimum wage per week. R. Civ. Proc., Rule 64D(a)

Unpaid earnings due as of the bankruptcy filing in an amount equal to 1/24 of the median Utah annual income if you are paid more than once per month and 1/12 if you are paid monthly. 78B-5-505(1)(a)(xvi)

Insurance

Disability, illness, medical, surgical, or hospital benefits. 78B-5-505(1)(a)(iii) and (iv)

Fraternal benefit society benefits. 31A-9-603

Life insurance policy cash surrender value, but not payments you ve made on policy within the year before filing. 78B-5-505(1)(a)(xiii)

Life insurance proceeds if the beneficiary is the insured s spouse or dependent and if the proceeds are needed for support. 78B-5-505(1)(a)(xi)

Miscellaneous

Alimony that you need for support. 78B-5-505(1)(vi) and (vii)

Confirming the Utah Bankruptcy Exemptions

This list includes some of the more commonly used Utah bankruptcy exemptions. There may be others. In addition, Utah periodically updates its exemption amounts and sometimes adds new exemptions. To find the most current laws, visit the Utah Code. Be forewarned, however, that the exemptions are found in various parts of the code. To save time and ensure you ve got the correct information, consider consulting with a Utah bankruptcy attorney.



Bloomington Indiana Hotels #bloomington #business #hotels, #courtyard #bloomington, #bloomington #indiana #us #courtyard, #courtyard #bloomington, #bloomington #hotels, #hotels #in #bloomington #


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Bloomington, IN hotel near IU campus

Travel to Bloomington Indiana and enjoy everything that the Courtyard Bloomington has to offer. Our hotel, in downtown Bloomington, IN, is minutes away from the center of campus at Indiana University, within walking distance of Memorial Stadium and the Assembly Hall. Along with the campus access, we are close to all of Bloomington s downtown restaurants, shops, and businesses. The Marriott Courtyard hotel is also next door to the Monroe County Convention Center. We re also a great home base if you want to explore the recreational possibilities of nearby Lake Monroe, Indiana s largest lake, Brown County State Park, and the Crane Naval Base. Our rooms offer 42 inch High Definition LCD televisions, spacious work desks, luxurious bedding, complementary wireless Internet, coffee, and morning newspaper. We also feature an indoor pool, whirlpool, and a well-equipped fitness room. Whether your stay is for business, visiting the university, travel, or recreation, the Courtyard Bloomington is the ideal place to stay.

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Best Available Rate Guarantee assures you receive the best rates when you book directly with us. If you find a lower publicly available rate within 24 hours of booking, we will match that rate plus give you 25% off the lower rate, subject to guarantee terms and exclusions. Guarantee does not apply to Ritz-Carlton Montreal, The Ritz London, Ritz-Carlton Residences , and Starwood-Branded Hotels, including Four Points Hotels, Sheraton Hotels, Aloft Hotels, W Hotels, Le Meridien Hotels, Luxury Collection Hotels, Element Hotels, Westin Hotels, St. Regis Hotels, Tribute Portfolio Hotels and Design Hotels. Marriott Rewards and The Ritz-Carlton Rewards members ( Rewards Members ) who book rooms through a Marriott Direct Booking Channel, authorized travel agents or select corporate travel partners ( Eligible Channels ) at hotels that participate in Marriott Rewards and The Ritz-Carlton Rewards loyalty programs will receive an exclusive, preferred rate ( Marriott Rewards Member Rate ). Member Rates are available globally at all hotels that participate in Marriott Rewards. Exclusions apply. See our Terms Conditions for additional details related to our Best Available Rate Guarantee and Marriott Rewards Member Rate. Hotels shown on Marriott.com may be operated under a license from Marriott International, Inc. or one of its affiliates.

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Residence Inn Flint #flint #extended #stay #hotels, #residence #inn #flint #grand #blanc, #flint #michigan #us #residence #inn, #residence #inn #flint, #flint #hotels, #hotels #in #flint #


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This property receives its water through the Genesee County Water and Drain Commission. As such, we are not affected by the water issue currently impacting other areas of Flint, Michigan. The hotel is open and fully operational. And we look forward to welcoming our guests.

Leading Extended Stay Hotels in Flint MI w/ Free Breakfast

Our Residence Inn exceeds other Flint hotels by offering a true home-away-from-home ambiance near Flint Bishop Airport and Grand Blanc MI. Among hotels in Flint, MI, we are the only in the market designed for extended stays. You ll enjoy our well-appointed suites that are 50% larger than standard rooms. We feature full kitchens, separate living, dining and sleeping areas, deluxe bedding and a large work area. Feel free to move around and enjoy access to our WiFi throughout the property. Featured amenities include free breakfast, evening socials at The Mix , an indoor pool, fitness center, SportCourt and on-site laundry. Guests of Residence Inn Flint may also utilize easy group booking for traveling families, sports teams or groups. Find us near Central Michigan University and General Motors. Near are popular shopping destinations at Meijers, Frankenmuth and Prime Outlets Mall. Choose our Flint, MI lodging when you book your stay at the Residence Inn Flint Grand Blanc.

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Best Available Rate Guarantee assures you receive the best rates when you book directly with us. If you find a lower publicly available rate within 24 hours of booking, we will match that rate plus give you 25% off the lower rate, subject to guarantee terms and exclusions. Guarantee does not apply to Ritz-Carlton Montreal, The Ritz London, Ritz-Carlton Residences , and Starwood-Branded Hotels, including Four Points Hotels, Sheraton Hotels, Aloft Hotels, W Hotels, Le Meridien Hotels, Luxury Collection Hotels, Element Hotels, Westin Hotels, St. Regis Hotels, Tribute Portfolio Hotels and Design Hotels. Marriott Rewards and The Ritz-Carlton Rewards members ( Rewards Members ) who book rooms through a Marriott Direct Booking Channel, authorized travel agents or select corporate travel partners ( Eligible Channels ) at hotels that participate in Marriott Rewards and The Ritz-Carlton Rewards loyalty programs will receive an exclusive, preferred rate ( Marriott Rewards Member Rate ). Member Rates are available globally at all hotels that participate in Marriott Rewards. Exclusions apply. See our Terms Conditions for additional details related to our Best Available Rate Guarantee and Marriott Rewards Member Rate. Hotels shown on Marriott.com may be operated under a license from Marriott International, Inc. or one of its affiliates.

1996 – 2017 Marriott International, Inc. All rights reserved. Marriott proprietary information



About Us- Installment Loan #loans #for #the #unemployed


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About Us

We at Installment Loan are dedicated in arranging an array of short term cash solution. Our matchless loan services are designed keeping in mind the varied needs of borrowers residing in the US. As per your cash needs we will help you find loan services that suits your budget and repayment ability. Finding flexible repayment option and competitive interest rates is very easy through us.

At Installment Loan, you can apply for installment loans whenever you are in need of cash assistance. Installment loans are short term cash solution available with easy repayment option. Payday installment loans are just like payday loans, but they have the option of paying back the borrowed money in smaller portion.

The various matchless loan services available at Installment Loan will help ease the stress of paying off bills or an unexpected emergency by allowing you to pay it back one payday at a time. There is no need of undergoing frustrating credit checks when you apply for loans no credit check.

Apply for unsecured loans at Installment Loan if you are unable to pledge any collateral against borrowed money. Short term installment loans, cash loans and fast loans are short term cash solution that can be obtained without faxing, credit checks and pledging of collateral.

The best way to apply at Installment Loan is to make use of our online application form. Contact us if you need any further information.



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


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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.



Delaware Company For Non Residents – Bank Account #usa #company, #us #company, #delaware #corporation, #delaware #company, #delaware #llc, #us #company, #us #company #for #non #residents, #delaware #company #for #non #residents, #delaware #corporation #for #non #residents, #delaware #llc #for #non #residents, #usa #corporation #for #non #residents, #usa #company #for #non #residents, #delaware #llc #for #non #residents


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There are distinct advantages and disadvantages of each form of doing business. Which is right for you? That s a decision made between you and your team of financial and legal advisers. And remember, you must consider state and local taxes when evaluating business structure. If it s been awhile since you last reviewed your business structure, contact us to discuss your alternatives. And, for a side-by-side comparison of each business form, keep on reading.

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Hotel in Provo, Utah #provo #hotel #accommodations, #provo #marriott #hotel # # #conference #center, #provo #utah #us #hotels, #hotels #in #provo, #marriott #hotel, #marriott, #hotel #deals


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Enjoy easy access to Utah Valley Convention Center BYU

Enjoy the rugged Utah lifestyle while staying in comfort at Provo Marriott Hotel Conference Center. Nestled in Provo s city center, our upscale hotel provides tranquil, inspiring views of Utah s striking Wasatch Mountain. Our hotel is ideal for a new generation of mobile business and leisure travelers with modern amenities and convenient services. SLATE, our Provo restaurant, serves up a unique twist on contemporary American fare in a chic, yet natural setting. The renovated lobby Greatroom features cozy spaces to work and relax with an inviting lodge atmosphere. Business guests will enjoy our 330 high-tech guest rooms and vacationing families will love how close we are to Utah Lake State Park, skiing at Sundance Resort and Park City. Our Provo hotel is minutes from BYU and just steps from the Utah Valley Convention Center, providing access to 84,000 square feet of space in addition to the hotel s 24,591 square feet of event space. Go ahead and live the high life during your visit to our Provo hotel.

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  • Nestled in the Wasatch Mountains, our hotel in Provo Utah is steps from the new Utah Valley Convention Center.
  • The lobby Greatroom at our Provo hotel is a flowing, creative space that features a warm hearth in a lodge-like atmosphere.
  • Enjoy fast, convenient access to BYU, Utah Valley State College, Nu Skin International and Novell while staying at our hotel in Provo.

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Best Available Rate Guarantee assures you receive the best rates when you book directly with us. If you find a lower publicly available rate within 24 hours of booking, we will match that rate plus give you 25% off the lower rate, subject to guarantee terms and exclusions. Guarantee does not apply to Ritz-Carlton Montreal, The Ritz London, Ritz-Carlton Residences , and Starwood-Branded Hotels, including Four Points Hotels, Sheraton Hotels, Aloft Hotels, W Hotels, Le Meridien Hotels, Luxury Collection Hotels, Element Hotels, Westin Hotels, St. Regis Hotels, Tribute Portfolio Hotels and Design Hotels. Marriott Rewards and The Ritz-Carlton Rewards members ( Rewards Members ) who book rooms through a Marriott Direct Booking Channel, authorized travel agents or select corporate travel partners ( Eligible Channels ) at hotels that participate in Marriott Rewards and The Ritz-Carlton Rewards loyalty programs will receive an exclusive, preferred rate ( Marriott Rewards Member Rate ). Member Rates are available globally at all hotels that participate in Marriott Rewards. Exclusions apply. See our Terms Conditions for additional details related to our Best Available Rate Guarantee and Marriott Rewards Member Rate. Hotels shown on Marriott.com may be operated under a license from Marriott International, Inc. or one of its affiliates.

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


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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.



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Reverse the Future

What is a Reverse Mortgage?

A Reverse Mortgage is a type of home loan that lets you convert a portion of the equity in your home without having to sell the home, give up title or take on a new monthly mortgage payment. It is also known as a HECM. The money you receive can be used for any purpose you choose. The program has been around for 27 years and is insured by the Federal Housing Administration.

Based on the final totals in the 2015 calendar year, 945,287 Senior Citizens have benefited from the FHA insured Reverse Mortgage since the program began in 1989. Although the program has been in existence for twenty seven ears, almost one third of the loans been done in just the past five years. That total is 293,058 Reverse Mortgages. These numbers show how popular the program has become for many senior citizens in the recent past.

To learn more about how Reverse Mortgages work, please click here .

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There are many reasons to celebrate our modern day healthcare. We are living longer our quality of life is better today than at anytime in the history of the world. Doctors are performing medical procedures today that didn t exist only a decade ago! New prescription medicine is saving hundreds of thousands of lives today in the United States. On average Americans can expect to live well in to their 80s. This is a great time to be alive!

There is a downside to this wonderful news.

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Bankruptcy Basics, United States Courts, us bankruptcy court utah.#Us #bankruptcy #court #utah


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Bankruptcy Basics

Bankruptcy Basics provides general information about federal bankruptcy laws and the bankruptcy process. It is not a guide for filing for bankruptcy.

  • Process
  • The Discharge in Bankruptcy
  • Chapter 7. Liquidation Under the Bankruptcy Code
  • Chapter 9. Municipality Bankruptcy
  • Chapter 11. Reorganization Under the Bankruptcy Code
  • Chapter 12. Family Farmer Bankruptcy or Family Fisherman Bankruptcy
  • Chapter 13. Individual Debt Adjustment
  • Chapter 15. Ancillary and Other Cross-Border Cases
  • SCRA. Servicemembers’ Civil Relief Act
  • SIPA. Securities Investor Protection Act
  • Glossary – Terms You Need to Know
  • Bankruptcy Forms

Bankruptcy Basics is a publication of the Administrative Office of the U.S. Courts. It provides basic information to debtors, creditors, court personnel, the media, and the general public on different aspects of federal bankruptcy laws. It also provides individuals who may be considering bankruptcy with a basic explanation of the different chapters under which a bankruptcy case may be filed and answers some of the most commonly asked questions about the bankruptcy process.

Bankruptcy Basics (pdf) For cases filed before October 17, 2005

Bankruptcy Basics (pdf) For cases filed on or after October 17, 2005

Bankruptcy Basics is not a substitute for the advice of competent legal counsel or a financial expert, nor is it a step-by-step guide for filing for bankruptcy. The Administrative Office of the United States Courts cannot provide legal or financial advice. Such advice may be obtained from a competent attorney, accountant, or financial adviser.

While the information presented is accurate as of the date of publication, it should not be cited or relied upon as legal authority. It should not be used as a substitute for reference to the United States Bankruptcy Code (title 11, United States Code) and the Federal Rules of Bankruptcy Procedure, both of which may be reviewed at local law libraries, or to local rules of practice adopted by each bankruptcy court. Finally, this publication should not substitute for the advice of competent legal counsel.



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Gold Gets A Jackson Hole Bounce, Now There’s Talk of $1,350

Gold To Tackle ‘Great Wall’ Of Resistance Next Week – .

Yellen Does Little To Move Gold; What About Draghi? – Jim .

Right Now Is The Time To Buy Physical Gold – CEO

Much Ado About Nothing

ECB’s Draghi warns of threat to global trade, openness

Wall St., Main St. See Gold Shining On Expectations For .

Treasury Chief Says ‘Debt Ceiling Will Be Raised’

Tap Into Your Inner Miner; New App Gives Away Real Gold

Stocks Higher as Fed’s Yellen Says Reforms Have Made Banks Safer

Consumption seen fueling Brazil s recovery, Goldfajn tells paper

EMERGING MARKETS-Latam currencies firm after Yellen speech; Chile .

UPDATE 1-Speculators raise net short dollar bets to $9.40 bln -CFTC, .

FOREX-Euro surges as ECB s Draghi does not mention currency .

Speculators raise net short dollar bets to $9.40 bln -CFTC, Reuters

Yellen: Financial rules have made economy stronger, changes should be .

Gold Moves Up As U.S. Dollar Index Weakens

‘Buoyant’ Gold Market On Its Way – Tocqueville’s Groh

Don’t Worry, Gold Can Still Hit $1,400 This Year – Steve .

Fear and Loathing in the Precious Metal Mining Sector

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Fed Can Be Patient About Lifting Interest Rates: Powell

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Price Group’s Flynn: Rising Gold To Narrow Gap With .

METALS-Copper retreats from Nov 2014 peak ahead of long weekend

REFILE-UPDATE 1-South African rand gets support from dollar weakens, .

Five miners trapped after earth tremor at S.Africa s Harmony .

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Privatizations not aimed at narrowing budget gap, Brazil s Temer .

FOREX-Dollar slides after Fed s Yellen makes no monetary policy .

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FOREX-Dollar falls after Fed’s Yellen makes no monetary policy comment

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Trump Calls Debt Ceiling Debate A ‘Mess’; What Could It Mean For Gold?

Markets Quieter, Awaiting Yellen, Draghi Speeches Today .

Gold Steady Ahead Of Yellen, Draghi Speeches Today

Germany Gets Its Gold Back From The Fed And It’s A Big Deal

Billionaire Mark Cuban Gives In To Bitcoin Craze, Invests in Crypto .

Cramer Would Invest 10% Of Power Ball Winnings Into Gold

Is This the Quiet Before the Storm?

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Courtyard Fort Lauderdale Beach – on the beach #fort #lauderdale #business #hotels, #courtyard #fort #lauderdale #beach, #fort #lauderdale #florida #us #courtyard, #courtyard #fort #lauderdale, #fort #lauderdale #hotels, #hotels #in #fort #lauderdale #


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Oceanfront stylish! Spectacular water views!

Courtyard Fort Lauderdale Beach by Marriott presents a premiere choice for families, couples, and business travelers to take in all of Ft. Lauderdale. Explore Las Olas Boulevard and an array of dining experiences, premiere shopping, and entertainment venues day or night. No Resort Fee. Contemporary accommodations featuring scenic sights of Ft. Lauderdale Beach and Intracoastal Waterways with ceiling to floor window views. The hotel features The Bistro Eat. Drink. Connect, by day serving healthy breakfast options and your favorite Starbucks beverage. At night have dinner in the Bistro and choose our pool deck lounge Seabreeze Poolside Bar and order your favorite wine, beer or special cocktail with your meal. Stay connected with free Wi-Fi and the interactive GoBoard, providing updated news, weather and local information. Only minutes away from The Hollywood/Ft. Lauderdale International Airport, 2 miles from the Port Everglades Cruise Port nearby is Sawgrass Mills Shopping Outlets and the BB T Center.

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92% of guests recommend this hotel

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Hotel Highlights

  • Fort Lauderdale Beach hotel with spectacular views of the Atlantic Ocean and Intracoastal Waterway. In the heart beach restaurants and entertainment.
  • The Bistro offers healthy choices, a variety of breakfast and dinner options, an evening bar and specialty beverages made with Starbucks coffee
  • No Resort Fee. Across the street to the beach, just steps away from the sand. 6 miles from FLL International Airport 2 miles to Everglades Cruise Port

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Oceanfront newly remodeled stylish! Spectacular views!

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Best Available Rate Guarantee assures you receive the best rates when you book directly with us. If you find a lower publicly available rate within 24 hours of booking, we will match that rate plus give you 25% off the lower rate, subject to guarantee terms and exclusions. Guarantee does not apply to Ritz-Carlton Montreal, The Ritz London, Ritz-Carlton Residences , and Starwood-Branded Hotels, including Four Points Hotels, Sheraton Hotels, Aloft Hotels, W Hotels, Le Meridien Hotels, Luxury Collection Hotels, Element Hotels, Westin Hotels, St. Regis Hotels, Tribute Portfolio Hotels and Design Hotels. Marriott Rewards and The Ritz-Carlton Rewards members ( Rewards Members ) who book rooms through a Marriott Direct Booking Channel, authorized travel agents or select corporate travel partners ( Eligible Channels ) at hotels that participate in Marriott Rewards and The Ritz-Carlton Rewards loyalty programs will receive an exclusive, preferred rate ( Marriott Rewards Member Rate ). Member Rates are available globally at all hotels that participate in Marriott Rewards. Exclusions apply. See our Terms Conditions for additional details related to our Best Available Rate Guarantee and Marriott Rewards Member Rate. Hotels shown on Marriott.com may be operated under a license from Marriott International, Inc. or one of its affiliates.

1996 – 2017 Marriott International, Inc. All rights reserved. Marriott proprietary information



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


#stafford loan
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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.



Us Department Of Education Loan Consolidation #citiassist #student #loan


#department of education loan consolidation
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In the event the Us department of education loan consolidation bank could not follow the legislations, pay out might be required to indemnify Us department of education loan consolidation you.

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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



Plane makes emergency landing on US 31 in Kokomo – Indianapolis, IN #plane, #us #31, #emergency #landing, #kokomo, #howard #county, #plane #makes #emergency #landing


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Plane makes emergency landing on US 31 in Kokomo

HOWARD COUNTY, Ind. — A small plane made an emergency landing Tuesday on US 31 in Kokomo.

Authorities say no one was hurt when the plane touched down near Center Road.

The pilot said he could not make it to the airport.

A mechanic from the Kokomo Municipal Airport went to the scene, repaired the plane, and the pilot took off.

The FAA has been notified about the incident.

Copyright 2016 Scripps Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

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Horse camp teaches students STEM skills

Young students learned basic STEM skills this summer thanks to farm animals in Russiaville.

Hogsett, IMPD walk communities to build trust

In an effort to decrease crime in the city, Mayor Hogsett and IMPD spent Wednesday afternoon walking Indy s streets

Thursday T’Storms, but dry this weekend.

T Storms likely overnight and Thursday. Dry this weekend.

Courthouse roof tree at center of repair project

The iconic tree growing out of the Decatur County courthouse roof has been covered by scaffolding as a repair project takes place.

Hoosiers react to Trump transgender military ban

As President Trump said Tuesday morning he will not allow transgender people to serve in the United States military, several Hoosiers voiced



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:



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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US Government Federal Student Loan Programs ~ #monthly #mortgage #calculator


#low cost loans
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Applying and Qualifying for the Federal Perkins Loans

Low-Cost Campus-Based Financial Aid

For the college bound student looking for financial aid, qualifying for a grant is ideal. But, not all grants will cover the entirety of your tuition costs. When you factor in book costs, dorm fees and the cost of living in general most grants fall short of the mark when it comes to paying all of your college expenses. That’s why student loans play such a major role in financing a college education.

Federal students loans, with their fixed low interest rates and flexible repayment plans, offer the most attractive solution. The Federal Perkins Loan Program should be a key component in any student’s college financial plan. The Perkins loan offers many benefits and features that make it an excellent source of financial aid for eligible students.

Features of a Perkins Loan:

  • Low-interest, fixed rate loans
  • Need-based
  • Available through participating colleges and universities
  • Optional loan cancellation for eligible borrowers
  • Available to eligible undergraduate and graduate students
  • 9-Month grace period
  • No application fees
  • No credit checks

What is a Federal Perkins Loan?

The Federal Perkins Loan is a campus-based financial aid package that is available to both undergraduate and graduate students. Participating colleges and universities receive annual loan allowances from the U.S. Department of Education, and it is from theses funds that the school makes Perkins Loans available to eligible students. These loans are limited number and eligible students are advised to apply early. Perkins loans are free of any application or other hidden fees and offer a 9 month grace period following graduation before repayment must begin.

Perkins Loan recipients borrow directly from the college campus of their choice. These are subsidized loans, meaning the government pays the interest that accrues on the loan for as long as a students remains in school as well as the 9 month grace period. Under graduate students are limited to loans of $4,000 per year, with a lifetime limit of $20,000. Graduate students are allowed an increased limit of $6,000 per annum, with a $40,000 lifetime limit.

While many students qualify for the Federal Perkins Loan, not all colleges and universities participate in the program. Check with your college of choice to learn if they are one of the approximately 1700 colleges and universities that do participate in the program. With it’s fixed low interest rates, Federal subsidization and flexible repayment terms the Perkins Loan is the most borrower friendly student loan available.

Qualifications for a Perkins Loan

The chief determining factor of a student’s eligibility for the Perkins Loan program is financial need. A student must fall within a certain income bracket and the student’s Expected Family Contribution or EFC must be rated low on the Federal scale. Other application requirements include:

  • Student must be enrolled in an accredited school at least half-time.
  • Student must be enrolled in a college or institution that participates in the program.
  • Student must be a U.S. citizen, a legal permanent resident or an eligible non-citizen.
  • Student must no history of defaulting on prior student loans.
  • Student must be registered with the Selective Service where applicable.
  • Student must meet minimum GPA.

Applying for a Perkins Loan

All Federal financial aid programs require students to fill out and submit the Free Application for Federal Student Aid or FAFSA. Once you have submitted your FAFSA and it has been reviewed, you will receive your Student Aid Report which details the amount of your Expected Family Contribution (EFC). This is the amount of money you or your family are responsible for contributing to your education.

Within a few weeks, you should receive follow up letters from the colleges to which you have applied detailing any and all types of financial aid for which you have qualified, including the Perkins Loan. This letter must be returned to the college or university indicating what financial aid you are accepting. If you are approved for a Perkins Loan you must coordinate with your school immediately to secure the loan and receive your financial aid money. Loan funds are limited and the earlier you respond the better your chances of getting the loan you need.

Repayment of the Perkins Loan

During the final weeks of your college term your school will contact you and provide loan repayment details relative to your Perkins Loan. You will have the benefit of a 9 month grace period in which to become settled and find a job before any repayment schedule begins. This grace period is one of the major bonuses of the Federal Perkins Loan program, allowing students some time to enter the workforce before any loan payments must be made.

Loan Cancellation for Teachers

A significant benefit of the Federal Perkins Loan program is the Cancellation or Deferment Option for Teachers. Students who agree to take up full time teaching positions in low-income public school districts, or take positions teaching in certain subject areas may be eligible for cancellation or deferment of all or part of your Perkins loan. Check with your college for more information regarding any deferment or loan forgiveness programs for which you may be eligible.



US Federal Credit Union – Loans – Credit Cards – Vehicle Loans #student #private #loans


#vehicle loan
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Vehicle Loans

Whether by boat, plane, car, or RV – start your engines. No matter what you’re looking for, new or used, enjoy the ride without the bumps along the way.

FEATURES

Term Options – 24, 36, 48, 60, and 72 month

Payment Options – automatic withdrawal or coupon payment available

Deferred Payment – 90 days without payment

Loan Coverage

When you apply for your USFCU vehicle loan, ask about optional insurance coverage:

  • MEMBER’S CHOICE Mechanical Repair Coverage (MRC) – Covers a wide variety of mechanical and electrical repairs on new or used vehicles, including 24/7 roadside assistance.
  • MEMBER’S CHOICE TM Guaranteed Asset Protection (GAP) – Helps protect the difference between the auto insurance settlement and the loan balance on your new or used totaled or stolen vehicle.
  • MEMBER’S CHOICE Credit Life Disability Insurance – Helps cover loan payments in the event of death or total disability.

Purchasing Assistance

Work with RECON Ltd – they’ll shop around to find and negotiate a great low price on your next vehicle. Use their services free of charge and with no obligation to purchase.



Online college of education #veterans, #benefits, #services, #va, #us #department #of #veterans #affairs, #veterans #affairs, #health, #burial, #memorial, #compensation, #pension, #vocational #rehabilitation, #rehab, #employment, #counseling, #insurance, #appeals, #board #of #veterans #appeals, #education, #home #loan #guaranty


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Veterans On-Line Application (VONAPP)

Four forms are now available on the vets.gov site. They are the 22-1990, 22-5490, 22-1995, and 22-1990E. If you select any of those forms within VONAPP, you will be redirected to the vets.gov site.

The final 2 education forms, the 22-5495 and the 22-1990N will be removed from VONAPP in May. All educations forms will be accessed through vets.gov.

As of September 20, 2015, you can now apply for Vocational Rehabilitation and Employment (VR E) benefits online through eBenefits. If you were routed here to the Veterans Online Application (VONAPP) page by mistake, please go back to the eBenefits homepage and login.

Once logged in, on the left hand side of the page:

– From Dashboard column, go to �Additional Benefits� under Benefits and Payments

– From the Additional Benefits page expand the VR E link

– Select apply for either Vocational Rehabilitation and Employment Program or Education/Career Counseling

To use the eBenefits VR E options, you will need a premium account. If you do not have a premium eBenefits account, please register for one. The register option is located in the top right hand corner on the eBenefits homepage.

Effective April 6, 2014 � Use VONAPP for Pension claims. If you are a Veteran with an existing VONAPP account, please select I Have Used VONAPP Before. If you do not have an account, please select I Am a New VONAPP User.

You cannot use VONAPP to submit a Compensation claim. If you want to submit a Compensation claim online, please use the �Apply for Benefits� section on the eBenefits homepage.

Can I access my incomplete form in VONAPP?

Partially completed forms and forms saved but not submitted can be accessed in VONAPP for 30 days following the date you started your application. After 30 days, claims not submitted are removed from the system.

Can I view my completed forms in VONAPP?

Submitted applications cannot be viewed or printed ; however, you will be able to view and print your submission confirmation page for one year (365 days) from the date of submission.

Can I start a new VONAPP form?

VONAPP can be used to prepare and submit new forms for Veterans Pension Benefits, Education Benefits, and Burial Benefits.

Claims for Compensation Benefits and Dependency Benefits can be filed through VDC. VDC is available for use in eBenefits under the �Apply for Benefits� section. A Premium eBenefits account is necessary for access to VDC. Your VONAPP username and password will not allow access to VDC. To register for an eBenefits Premium account, please visit their DS Logon Account Registration page.

Once registered, select “Apply” on the eBenefits homepage. You will then be able to select the benefit for which you are wanting to apply.



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


#new car loans
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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 .



3 Questions to Answer Before Refinancing Student Loans – US News #business #loans #australia


#refinancing student loans
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3 Questions to Answer Before Refinancing Student Loans

Understand your reasons and goals for refinancing before choosing a new, private lender, say experts.

Sara Hamilton, a law school graduate repaying more than six figures in federal student debt, was ready to ditch her hodgepodge of high rates and frustrating loan servicing.

The Emory University alumna decided to renegotiate the terms of her debt by refinancing through a private lender, aiming for the lowest possible rate.

I was focused on the cold, hard numbers, Hamilton says.

After applying, and sorting through rejections and offers, Hamilton went with Darien Rowayton Bank. She currently repays her loans at 5.5 percent over 15 years.

[Discover the risks and rewards of private student loan refinancing. ]

Refinancing involves repaying an older debt by taking on a new loan, with fresh terms. Private loan refinancing may involve consolidating various loans but differs from federal loan consolidation. which converts the interest rates to a weighted average.

Students eager to refinance their loans through a private lender may run into a challenge – but it’s a good kind of challenge. They’ll have to select a student loan servicer through which to refinance. That’s especially daunting as an increasing number of institutions, from traditional banks to investor-funded startups, enter the student loan refinancing market.

Here are three questions to ask yourself before selecting one.

• Why am I refinancing? Borrowers may choose to refinance for any number of reasons, say experts.

Some may be hunting for lower interest rates. Others may want to simplify the repayment process, melding a mix of loans into a single debt, instead of repaying several lenders.

Borrowers looking for a change may head over to an online startup for a different customer experience. Others may be looking to remove a cosigner from a private loan in the process.

Federal borrowers angling for a better interest rate through a private group should keep in mind that refinancing federal loans into private debt carries risk, including giving up federal loan protections, such as deferment and certain federal loan forgiveness programs.

A government loan is an easy loan you can work with, says Leslie Tayne, director and managing partner of Tayne Law Group, a New York-based firm, and author of Life Debt: A Fresh Approach to Achieving Financial Wellness. Take a little bit of time to make a good, informed decision about whether refinancing makes sense for you today – and tomorrow.

• What are the strengths of each lender? Each lender has its sales pitch, and it’s smart to shop around, say experts.

Some, such as Wells Fargo, are familiar companies. We’ve been helping our customers refinance and consolidate for over 10 years, says John Rasmussen, head of education financial services at Wells Fargo.

Since the bank issues new student loans, current Wells Fargo borrowers can refinance for better terms but stay with the bank. Some borrowers may do the rest of their banking at Wells Fargo, and moving loans over to the bank will allow them to manage their finances in one place, says Rasmussen.

Others, such as SoFi, are relatively new, investor-backed startups, with a focus on customer service and community. The company offers a temporary repayment reprieve and job search assistance for eligible borrowers who lose their jobs, and a chance at loan deferment and mentorship for aspiring entrepreneurs​. Unlike a traditional bank, borrowers through SoFi draw from a pool funded by alumni and other accredited investors, who are, in turn, hoping for a return on that investment.

Our costs to the company are lower than the traditional bank, says Dan Macklin, co-founder and vice president of business development at SoFi. We don’t have a big infrastructure and applications are fully online.



How Much Student Loan Debt Is Too Much? US News #www.loans


#student loans payment
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How Much Student Loan Debt Is Too Much?

Before you start taking on loans to pay for your degree, you need to know how much student loan debt you can afford.

“So, my student loan payments are more than my monthly rent?” exclaimed my sister-in-law, Kari. “More than a mortgage payment, to be honest,” I replied.

Kari is finishing up her junior year of college in May and was curious about what life after college would like like. She brought her student loan balances and I brought my financial calculator. Within minutes I had drawn up a mock budget, the results of which were sobering. Student loan payments represented her biggest monthly expense, and certainly would create a strain on her finances should she move out on her own.

The good news is that my sister-in-law is ahead of the curve. She still has time to make plans to deal with her loans before they start caving in on her. Many college graduates wait for their first loan bill before they become aware of the size of their student loan payment.

According to a recent study by NERA Economic Consulting, 40 percent of college graduates with federal loans couldn’t recall receiving any consultation with regards to their student loan debt. One of the most stunning findings was that respondents thought they understood their finances while in college, but their understanding deteriorated upon graduation.

Too many students walk into the financial aid office, receive a promissory note, and assume a future starting salary will be more than enough to cover repayment. However, loans are granted with the expectation the borrower knows how much debt is too much. Before you start taking on loans to pay for your degree, you need to know how much student loan debt you can afford.

Your Budget with $25,000 in Student Loans (72 percent of student loan borrowers). While no one wants to pay student loans, $25,000 in education debt is manageable for the average professional earning $30,000 to $40,000 .

Depending on a student’s eligibility, most (if not all) of this debt would be in government loans. Based on a 20-year term, installments would be around $150 per month. Looking at consumption data from the Bureau of Labor Statistics, it’s about the same amount the average household pays in a year for a used car. It’s slightly more than one-tenth of the average housing expense.

Your Budget with $50,000 in Student Loans (16.5 percent of borrowers). This is where graduates really start to feel the burden of student loans. Monthly payments are around $450, largely because private loans are necessary above $31,000 in tuition costs.

It would be a tight budget for someone earning between $40,000 and $50,0000. Student loans would be a large portion of the budget. You’d be paying about as much for loan payments as you would for food. Food is usually the third largest category in a household’s budget. Your monthly loan repayment would be about a third of what you are paying in housing costs.

Your Budget with $75,000 in Student Loans (6 percent of borrowers). The average college graduate would probably need to move back in with mom and dad at this point. It’s either that or find lots of roommates.

You would likely be paying about $750 per month in student loans. The average graduate with a four-year degree earns about $43,000. At this income level, your loan payments would be your second-largest expense next to housing, and would be close to what you are spending in food and transportation combined. You would need to take drastic action to make loan payments, probably by foregoing any retirement savings and cutting back on entertainment. Even so, you might not be able to find ways to make ends meet. Someone earning around $60,000 could probably afford this payment more comfortably.

Your budget with $100,000 in Student Loans (almost 2.5 percent of borrowers). If you are taking out $100,000 in loans, you had better be a doctor—or remodeling your old bedroom at your parent’s house on mom and dad’s dime. Monthly loan payments would be up around $1,075 and could easily eat up at least half of the average graduate’s take-home pay.

At this point, you are essentially making a second rent or mortgage payment each month. While you may have a place to live, you have no money for other important things like food, transportation, and clothing. Since it’s a choice between paying student loans or rent—and student loan payments are not optional—you are definitely headed back to mom and dad. Keep in mind, the shortest loan term is 10 years, which means you are going be 32 before you move out.

You’d need to earn between $80,000 and $90,000 to afford this payment comfortably.

Your budget with $150,000 in Student Loans (almost 2 percent of borrowers). Even a third job likely wouldn’t be enough to ease the burden of the average graduate who’d amassed $150,000 in student loans. Monthly payments would be around $1,7000 or most of your take-home pay. You’d easily need a six-figure salary to fit this expense into your budget.

The bottom line: Easy access to student loans is a good thing. Most people need to take on debt if they are going to graduate and reach their full career potential. However, the availability of student loans is a double-edged sword, as many borrowers take on debt levels that far exceed the reality of future starting salaries .

If you are borrowing or plan on borrowing for college, make sure you’ve thought long and hard about how much you can borrow based on a reasonable starting salary. It’s that—or pray your parents don’t change the locks.

JP is a writer for the money blog 20’s Finances. He is an MBA and the financial officer for a nonprofit organization.



How to Lend Money to Family and Friends – US News #installment #loans #for #bad #credit


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How to Lend Money to Family and Friends

Take the necessary precautions to preserve the relationship.

When Sarah Lee Marks’s friend needed help with a down payment on a house. Marks and her husband loaned her the money. The couple drew up a written agreement, specifying a set calculation for the interest, the payment schedule, a per diem for any late payments, and a time frame for when the loan was to be paid off. The loan was a better deal than what her friend would have gotten from a bank. This was someone who’s more like a family member than a friend, that’s how close we are to her, says Marks, an automobile salesperson who lives in Las Vegas. It was a very important part of her life, and I wanted to help her with it.

Like Marks’s friend, many people turn to friends and family over banks when looking for a way to finance a house, buy a car, or fund a business. According to a 2011 report by the National Association of Realtors, 7 percent of home buyers received a loan from a relative or friend to finance their home. And 14 percent of business owners last year reported tapping friends and family for loans to cover their costs, according to the National Small Business Association.

Family and friends will often provide loans at a lower interest rate than banks, and the deal enables borrowers to avoid additional fees tacked on by traditional lenders.

But for these loans to work, people should take steps to ensure the agreements are as businesslike as possible, experts say. Here are ways to broker the deal safely and avoid harming the relationship:

Put everything in writing. You might be tempted to settle for a verbal agreement since it’s with someone you’re close to, but this leaves too many variables open to chance, says Thomas Fox, community outreach director at Cambridge Credit Counseling. Putting the loan in writing will enable both parties to treat it as a business arrangement. The agreement should spell out the terms, including any interest, what installments the money will be paid in, the penalty for late payments, and what course of action will be taken if the recipient defaults. Consider using a promissory note form from the Internet Legal Research Group, which provides state-specific notes.

You can also have the document notarized, says Gail Cunningham, vice president of membership and public relations at the National Foundation for Credit Counseling. Doing so will give you more legal standing if the borrower defaults, she says.

Communication is key. Good communication should start at the beginning, says Fox. The lender should say to the borrower at the outset, ‘If you run into trouble with paying me, come to me,’ he advises. Setting up weekly or monthly phone conversations to talk about any issues or concerns is a good way to ensure both parties are on the same page.

Being proactive and transparent is even more important with friends and family, because there’s more at risk personally, says Meg Hirshberg, an Inc. magazine columnist and author of For Better or For Work: A Survival Guide for Entrepreneurs and Their Families. These are people you have Thanksgiving with. These are the people you see at the sidelines of the soccer game. These are the people in your life, and it’s very important that those relationships not get imperiled.

Don’t loan with too little interest. The IRS requires intra-family loan rates to reflect the current commercial loan market. If your loan requires little or no interest, you may be required to pay taxes, Cunningham says. Follow the IRS guidelines for interest rates to avoid these taxes. As of August, the Applicable Federal Rate, the minimum rate considered acceptable by the IRS, for loans between family members was 0.25 percent for terms less than three years, 0.88 percent for a three- to nine-year loan, and 2.21 percent for more than nine years.

If you’re loaning money for someone’s mortgage, use NationalFamilyMortgage.com to take advantage of tax benefits, suggests Asheesh Advani, author of Business Loans from Family Friends: How to Ask, Make It Legal Make It Work .



Kiva – About Us #fast #loan


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About Us

  • 302 Field Partners
  • 450 volunteers around the world
  • 83 different countries

Why we do what we do

We envision a world where all people – even in the most remote areas of the globe – hold the power to create opportunity for themselves and others.

We believe providing safe, affordable access to capital to those in need helps people create better lives for themselves and their families.

How we do it

Making a loan on Kiva is so simple that you may not realize how much work goes on behind the scenes.

Kiva works with microfinance institutions on five continents to provide loans to people without access to traditional banking systems. One hundred percent of your loan is sent to these microfinance institutions, which we call Field Partners, who administer the loans in the field.

Kiva relies on a world wide network of over 450 volunteers who work with our Field Partners, edit and translate borrower stories, and ensure the smooth operation of countless other Kiva programs.

How we’re funded

100% of every dollar you lend on Kiva goes directly towards funding loans; Kiva does not take a cut. Furthermore, Kiva does not charge interest to our Field Partners, who administer the loans.

Kiva is primarily funded through the support of lenders making optional donations. We also raise funds through grants, corporate sponsors, and foundations.

We are incredibly thankful for the support that has enabled us to do the work that has touched the lives of so many people.

How you can get involved



Los Angeles Beefs Up Metro Security Amid Terror Threat – ABC News #los #angeles #metro, #terror #threat, #fbi, #us #news, #national #news, #local #news


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Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

Los Angeles Beefs Up Metro Security Amid Terror Threat

WATCH Potential Terror Threat Against Los Angeles Transit System

The city of Los Angeles upped its security presence at transit stations after receiving a terror threat on Monday, officials said.

Law enforcement officials say the threat came from an English speaking male in a foreign country who called into a foreign “public safety hotline” and was deemed credible enough by U.S. foreign partners to be relayed to the FBI.

“This could be real, it could be a hoax, but we must remain calm but vigilant,” Los Angeles County Sheriff Jim McDonnell told KABC.

The caller warned of a specific imminent attack, but mistakes limited his credibility, according to law enforcement officials.

Federal and local law enforcement officers were notified very early Monday morning.

The threat was uncorroborated but officials decided to take additional security measures out of an “abundance of caution,” law enforcement sources told ABC News.

The caller mentioned a possible attack on Tuesday at the Universal City Red Line station, according to the FBI. The male caller was reporting the threat, not making one himself, officials said.

Commuters at the station on Monday night told KABC they were worried, with one person saying he would not ride the train Tuesday. Others said they would continue their normal routines.

Los Angeles Mayor Eric Garcetti said he was confident in law enforcement’s response to the threat and plans to ride the Red Line on Tuesday as a show of support.

ABC News’ Tom Liddy contributed to this report.



AboutВ Us- 1000 Loan Today #united #cash #loans


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AboutВ Us

We are 1000 Loan Today! Whatever unforeseen expenditure you may be facing, we can help you find the right loan deal. With us you can rest assured of an approval within hours of applying. So, apply with us and get the best loan deal in no time!

1000 cash loans are perfect for expenses that demand an immediate fix. With us at 1000 Loan Today you can raise an amount up to $1,000 against these loans. It is a short term collateral free loans that you can apply for any reason.

For urgent cash need before payday, borrowers can without a second thought apply for 1000 payday loans. At 1000 Loan Today you will not have to fax any document or pledge any collateral to apply for these loans. Once you have gained the approved cash, you are free to utilize it in any way. В

1000 loan no credit check is perfect for those who do not hold a favorable credit record. At 1000 Loan Today you will not have to undergo any credit check to gain approval against these loans. Apply now!

If you are still in need of additional information, then feel free to contact us at 1000 Loan Today at any time!



How Much Student Loan Debt Is Too Much? US News #cash #loans #online


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How Much Student Loan Debt Is Too Much?

Before you start taking on loans to pay for your degree, you need to know how much student loan debt you can afford.

“So, my student loan payments are more than my monthly rent?” exclaimed my sister-in-law, Kari. “More than a mortgage payment, to be honest,” I replied.

Kari is finishing up her junior year of college in May and was curious about what life after college would like like. She brought her student loan balances and I brought my financial calculator. Within minutes I had drawn up a mock budget, the results of which were sobering. Student loan payments represented her biggest monthly expense, and certainly would create a strain on her finances should she move out on her own.

The good news is that my sister-in-law is ahead of the curve. She still has time to make plans to deal with her loans before they start caving in on her. Many college graduates wait for their first loan bill before they become aware of the size of their student loan payment.

According to a recent study by NERA Economic Consulting, 40 percent of college graduates with federal loans couldn’t recall receiving any consultation with regards to their student loan debt. One of the most stunning findings was that respondents thought they understood their finances while in college, but their understanding deteriorated upon graduation.

Too many students walk into the financial aid office, receive a promissory note, and assume a future starting salary will be more than enough to cover repayment. However, loans are granted with the expectation the borrower knows how much debt is too much. Before you start taking on loans to pay for your degree, you need to know how much student loan debt you can afford.

Your Budget with $25,000 in Student Loans (72 percent of student loan borrowers). While no one wants to pay student loans, $25,000 in education debt is manageable for the average professional earning $30,000 to $40,000 .

Depending on a student’s eligibility, most (if not all) of this debt would be in government loans. Based on a 20-year term, installments would be around $150 per month. Looking at consumption data from the Bureau of Labor Statistics, it’s about the same amount the average household pays in a year for a used car. It’s slightly more than one-tenth of the average housing expense.

Your Budget with $50,000 in Student Loans (16.5 percent of borrowers). This is where graduates really start to feel the burden of student loans. Monthly payments are around $450, largely because private loans are necessary above $31,000 in tuition costs.

It would be a tight budget for someone earning between $40,000 and $50,0000. Student loans would be a large portion of the budget. You’d be paying about as much for loan payments as you would for food. Food is usually the third largest category in a household’s budget. Your monthly loan repayment would be about a third of what you are paying in housing costs.

Your Budget with $75,000 in Student Loans (6 percent of borrowers). The average college graduate would probably need to move back in with mom and dad at this point. It’s either that or find lots of roommates.

You would likely be paying about $750 per month in student loans. The average graduate with a four-year degree earns about $43,000. At this income level, your loan payments would be your second-largest expense next to housing, and would be close to what you are spending in food and transportation combined. You would need to take drastic action to make loan payments, probably by foregoing any retirement savings and cutting back on entertainment. Even so, you might not be able to find ways to make ends meet. Someone earning around $60,000 could probably afford this payment more comfortably.

Your budget with $100,000 in Student Loans (almost 2.5 percent of borrowers). If you are taking out $100,000 in loans, you had better be a doctor—or remodeling your old bedroom at your parent’s house on mom and dad’s dime. Monthly loan payments would be up around $1,075 and could easily eat up at least half of the average graduate’s take-home pay.

At this point, you are essentially making a second rent or mortgage payment each month. While you may have a place to live, you have no money for other important things like food, transportation, and clothing. Since it’s a choice between paying student loans or rent—and student loan payments are not optional—you are definitely headed back to mom and dad. Keep in mind, the shortest loan term is 10 years, which means you are going be 32 before you move out.

You’d need to earn between $80,000 and $90,000 to afford this payment comfortably.

Your budget with $150,000 in Student Loans (almost 2 percent of borrowers). Even a third job likely wouldn’t be enough to ease the burden of the average graduate who’d amassed $150,000 in student loans. Monthly payments would be around $1,7000 or most of your take-home pay. You’d easily need a six-figure salary to fit this expense into your budget.

The bottom line: Easy access to student loans is a good thing. Most people need to take on debt if they are going to graduate and reach their full career potential. However, the availability of student loans is a double-edged sword, as many borrowers take on debt levels that far exceed the reality of future starting salaries .

If you are borrowing or plan on borrowing for college, make sure you’ve thought long and hard about how much you can borrow based on a reasonable starting salary. It’s that—or pray your parents don’t change the locks.

JP is a writer for the money blog 20’s Finances. He is an MBA and the financial officer for a nonprofit organization.



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


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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.



Study Abroad Loans – International Financial Aid for US Citizens #instant #payday #loan


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Study Abroad Loans

As the world continues to bridge distance with technology, students are increasingly aware of the need to gain an international education. Many employers are now looking for students with an international background an advantage students gain when they study abroad.

From about 270,000 last year, the number of US students studying abroad is projected to grow to 1 million by 2017. But it’s not easy to finance an international education for US students who plan to study abroad, travel costs and exchange rates increase the normal burden of tuition, fees and living expenses.

To help, we can provide you with study abroad loans, short term loans, semester abroad loans and foreign enrolled loans for students who are fully enrolled in a school overseas. For international students studying in the USA, we also provide international student loans to help fund your education in the US. Each of our low-hassle loan programs offer competitive interest rates, no application fees, as well as fast and easy loan application and processing.

No matter if you are a US student abroad or an international student in the US, use our loan comparison tool (above) to find and compare lenders today! To do so, simply chose your citizenship, state and school to be matched with lenders. You’ll be able to compare each terms and conditions, and then chose the one that’s right for you. Within a few short weeks, you’ll be notified about your initial approval.

Study Abroad Loans has gathered this information as a resource for students, and this resource does not intend to imply a relationship between your school and our website or company.

You should always double-check directly with your school and lender to ensure that your school is eligible.



New Tools Find Cheap Private Student Loans – US News #get #a #loan #today


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New Tools Find Cheap Private Student Loans

New sites rate lenders and allow borrowers to put loans out to bid.

Until recently, banks and other private lenders have made it hard for anyone to shop for college loans, in some cases because they didn’t want to compete by cutting profit margins. But several web entrepreneurs and state agencies have developed new tools to help students and parents find private loans that, in June of 2010, charged as little as 1.78 percent in interest.

Before shopping for private loans, students and parents should first apply for federal student aid, including low-cost government loans, lenders say. (First step: fill out a Free Application for Federal Student Aid .) Unlike private loans, federal student loans offer fixed interest rates as low as 4.5 percent, easy repayment terms, and the possibility of forgiveness for public service.

[Read about cheaper, easier federal student loans. ]

Students who need more than the federal government’s student loan maximums should consider cutting their costs or switching to a cheaper college instead of borrowing more, many financial aid officers suggest. Students who owe more than the $31,000 total maximum the government lends to undergraduates through the Stafford program can find it difficult—and occasionally impossible—to make their monthly private student loan payments. And they have little hope of relief, since bankruptcy courts rarely erase educational debts.

[Read about a proposal to give relief to those with private student loans.]

Also, lenders typically only approve applications of those who can prove they are likely to repay. So noncitizens or young adults without high credit scores will be denied unless they can find a citizen with a good credit score to agree to make payments the student skips.

Here are three kinds of web tools that can help find private college loans:



How to Dodge the 7-Year Car Loan – US News #loan #calculator


#new car loans
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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 .



Understand the Consequences of Student Loan Default – US News #car #loans #with #bad #credit


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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.



Understand the Pieces of Your Student Loan Payment – US News #loan #shark


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Fit the Pieces of the Student Loan Payment Puzzle Together

Knowing how interest is applied to your balance can help clarify your repayment progress.

You make your student loan payments every month, for years. Yet when you look at your balance, it doesn’t seem like it has decreased at all. In fact, it seems to keep going up.

Many factors determine how much your student loan payment actually cuts into your debt. Knowing the following five things about how payments are applied is the only way you can ensure your repayment strategy is as effective as it can be.

1. How often interest accrues on your loans: Here’s the bad news: Interest accrues every single day that most federal student loans are outstanding. Subsidized Stafford and Perkins loans generally do not accrue interest during in-school, grace and deferment periods. However, some newer Stafford loans will accrue interest during their grace period. Borrowers who took their first loan on or after July 1, 2013 run the risk of losing their subsidy if they take a long time to complete their credential.

The good news is that like most consumer debts, interest only accrues on the outstanding balance. So the more quickly you pay it off, the less you pay in interest over the life of the loan. That also means that the majority of your monthly payment goes toward interest in the first few years of repayment.

2. When your interest is capitalized: Interest on student loans is capitalized – meaning it’s added to the principal balance – at various times. While the rules differ slightly depending on when you took your loan out and what type of loan it is, expect outstanding interest to capitalize any time your loan goes from a nonrepayment status, such as grace or deferment, to a repayment status.

You always have the option to pay that interest before it capitalizes, which is a must if you want to avoid having interest charged off of interest.

3. How loan holders apply your payments: The government regulates the way loan holders apply your payments. When loan holders receive your payment, they must credit your funds in the following order: first, they pay any fees associated with the loan, such as late fees; second, they apply funds to the interest that has accrued to date; third, any remaining funds go toward the principal of the loan.

Here’s a quick example to illustrate how this works. Say you have a $1,000 loan at 5 percent interest placed on a standard 10-year term, with payments made approximately every 30 days.

Day one, you have $1,000 in principal and $0.14 interest. Day two, $1,000 interest and $0.28 interest and so on until day 30, when you have $1,000 principal and $4.20 in interest. On day 30, the loan holder receives your $50 payment. You don’t owe any late fees, so first they pay off the interest that has accrued and the remaining $45.80 goes toward the principal.

So, now your principal is $954.20 with $0 in interest. That means the principal balance is lower, so you’ll only accrue about $0.13 in interest per day going forward.

4. What happens if you pay extra: Federal regulations require a loan holder to push the next payment due date up for every multiple of the monthly payment they receive. So, if your payment of $50 is due in October and you send them $100, your next payment isn’t going to be due until December.

You can submit or call in instructions to not have the payment due date pushed up, but doing so will not change the way the funds are actually credited to your account. It really only makes a difference if you pay with automatic​ electronic payments, because if you pay ahead, the loan holder won’t pull a payment for the following month.

Remember, you can’t prepay interest that hasn’t accrued yet, which is why if you pay extra every month, the amount of money going to the principal will be the same even if the lender pushes your due date ahead.

5. Keeping track of your own payments: If you want to see how much of your payments go to your principal, most loan servicers allow you to log on and view a breakdown of your payment history, which includes how the payments were applied to principal and interest. If not, you can ask for one to be sent to you.

Regardless, if you overpay your loan to decrease your principal balance, you need to provide that specific instruction to your loan holder. If you pay online, see if there’s a note section or a special option for including this information. If you pay with a check, include instructions with the check and then verify online that the payment was posted correctly.



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