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Student Loan Settlement Is the Loan Subsidized

Ever since Credit 911 confirmed that we could settle unsubsidized student loans, we have spent quite a bit of time explaining what the difference between the two types of loans are.

In short, subsidized student loans are when the Federal Government paid the interest on those loans while the individual was attending school. The Federal Perkins Loans are an example of a subsidized student loan. The interest rate is locked at 5% and the Federal Government pays the interest while the student attends school, there is a 9 month grace period following graduation, and an additional grace period during deferments.

Perkins loans, however, are limited in dollars to those students who show the greatest need.

Most students then turn to the Stafford Loan program for additional funding, these loans fall into our two famous categories Subsidized and Unsubsidized. Again, the subsidized Stafford Loan is based on need, while the unsubsidized Stafford Loan is not.

Most Stafford Loans interest rates range from 4% to 6% depending on what year the student took out the loan. As an example loans taken in 2009/2010 were fixed at 5.6 percent while loans this year are expected to be 4.5%. For the subsidized Stafford the government pays all that interest during your education plus the 9 months discussed above. Additionally, students receiving subsidized loans must be minimally enrolled as a half time college student to remain eligible for the funding.

Those that did not qualify for subsidized loans AND those that needed more money would move on to unsubsidized Stafford Loans. Neither subsidized nor unsubsidized loans obtained through financial aid require a credit check, no collateral was needed, what was most important is that you were somehow able to fill out the very complicated Free Application for Federal Student Aid, more commonly referred to as the FAFSA.

The FAFSA is know for being long and complicated, but the good news is that if you happened to fill this out and you werent in terrible financial shape at the time you probably have a mix of subsidized and unsubsidized loans or all of your loans are unsubsidized.

That should provide you with a basic understanding of the difference and borrowing guidelines between subsidized and unsubsidized student loans. However, for those of you who wish to know a little more about the “education maze” please visit us at www.credit911online.com/blog

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How Post-Secondary Health Education Courses Can Be Used to Enhance Job Readiness Skills

As the focus on wellness and preventative care becomes the norm in order to reduce healthcare costs, colleges and universities can also get involved by promoting health education courses that are already available on campus. Post-secondary institutions whose primary mission is to graduate students, who are workforce ready, should include a wellness component within the course of study. Many of the people investing in wellness education programs are employers seeking to reduce their own healthcare expenses for employees. Employers invest in wellness programs for their employees to boost morale and increase productivity. Workplace wellness programs not only help to increase productivity and ultimately affect a company’s revenue, but the programs also help to cut long-term healthcare costs for employers that provide healthcare benefits. One study indicated that for every $1.00 spent on wellness programs, healthcare costs are reduced by $3.37. In addition the cost of absenteeism is reduced by $2.73 for every $1.00 spent; with over 130 million individuals in the workforce, wellness programs can save employers a significant amount of money each year (Baicker et. al, 2010).

Many post-secondary institutions engage directly with business leaders and community organizations to create relevant programs based on the labor needs of the community. Health education courses can play an important role in helping to prepare students for the workforce because the classes can be used as a form of preventative care. Most health education courses are already offered on campus as part of the general curriculum requirements or as an elective option. Providing health education courses as part of a workforce readiness model can help employers save more money in addition to what they are already spending to create their own wellness programs. Offering a unique set of courses tailored to the needs of the employer that include a wellness component also provides post-secondary institutions with a unique selling point for job training programs.

Health education courses not only act as a form of preventative care, but the courses also help to promote critical thinking, health advocacy, communication skills, self-care, build self-esteem, promote self-awareness, goal setting, civic engagement, health literacy, self-efficacy, decision-making, and problem solving skills. The curriculum in health education courses provides students with diverse learning experiences on a variety of topics such as wellness as a lifestyle, stress management, mental health, sexual and reproductive health, relationship dynamics, communication skills, infection control, environmental health, and injury prevention. In addition, health education courses teach students about drug and alcohol abuse as well as prevention strategies. Currently drug and alcohol abuse costs employers $276 billion dollars a year in lost productivity (U.S. Department of Health and Human Services, 2009). Health education courses can play a vital role in teaching students the necessary skills to function in the workplace and in everyday life.

Statistical Resources:

Baicker, K. et. al. (2010). Workplace wellness programs can generate savings. Health Aff.2010;29:304-311.

US Department of Health and Human Services. (2009). 14 short employer cost savings briefs. Substance Abuse and Mental Health Services Administration.

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Cant Repay Your Student Loans 5 Ways to Get Help.

For college students, November and December are filled with research projects and final exams. For recent graduates, however, these months can be exceptionally stressful, especially if a post-graduation dream job hasnt materialized on schedule. For graduates who left school with debt from student loans, November and December can be a month of reckoning.

Government-issued federal student loans and many non-federal private student loans grant students a six-month grace period after they leave school before they need to begin making loan payments. For students who graduated in May and June, then, those college loans come up for repayment in November and December.

And if youre a graduate whos caught up in the current recession and the highest unemployment rate on record for new college graduates, you may be getting your first student loan bill having no idea how youre going to make the payment.

Just ignoring those student loan bills isnt going to help. Defaulting on a federal student loan is no light matter. The government can step in and garnish your wages, once you get a job, or seize any income tax refunds you may have coming to you in order to put money toward your student loan debt.

Both federal and private student loans are nearly impossible to discharge in bankruptcy, so your student loan lenders can keep coming after you for payment, even if a judge declares you bankrupt and wipes out your other debts.

All your student loan accounts appear on your credit report, so your credit rating is also at risk. Repeated late and missed payments on your student loans will drop your credit score, will linger on your credit history for years, and can have a lasting impact on your ability later on to qualify for anything that requires a credit check. You may not be able to get a credit card, take out a car loan or home loan, rent an apartment, or even get a job — more and more employers are conducting credit checks on job candidates as a measure of your responsibility and maturity.

Clearly, keeping your student loans current needs to be a priority, for the sake of your credit and the health of your financial future. Whether youre a newly minted college graduate or a longtime borrower whos now having some financial troubles, if youre facing student loan payments that you cant afford, here are five ways to get help now.

1. Contact your student loan lenders. Whether youre approaching the end of your grace period or youre already in repayment, if you know that you dont have the ability to make the payments on your student loans, contact your lenders immediately, explain your situation, and see what they can do to help.

For your federal student loans, the U.S. Department of Education can grant you additional periods of deferment or forbearance if youre facing financial hardship. With a government-approved deferment or forbearance, your student loan payments are postponed, with no adverse effect on your credit.

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Panchgani Schools The Face Of Indias Boarding School Education

For a long time now, Panchgani has ranked at the top when it comes to listing the places that have the best boarding schools in India. When it comes to the list of top residential schools in India, Panchgani has not one or two but several names that make it in. Panchgani schools are famous for the open, relaxing and disciplined learning facilities that they provide to their students. Most students here prosper under the disciplined and structured schooling provided here and studies have shown it to have a positive effect on their learning abilities.
Here is a list of some of the premiere Panchgani boarding schools:
1-ANJUMAN-E-ISLAM- Panchgani Dist Satara, India
Tel No :40315
2-ANJUMAN-E-ISLAM (S. S. C)- Panchgani Dist Satara, India
Tel No :40249
3- ARAM VIDYALAYA- Panchgani Dist Satara, India
Tel No :40492
4- BATHE S M- Panchgani Dist Satara, India
Tel No :40205
5- BILLIMORIA HIGH SCHOOL- Panchgani Dist Satara, India.
Tel No :40314 / 40910
6- BHARATI VIDYAPEETH ACADEMY- Panchgani Dist Satara, India
Tel No :40582-40583
7- CAMBRIDGE HIGH SCHOOL- Panchgani Dist Satara, India
Tel No :40519
8- CODESH- Panchgani Dist Satara, India, Tel No :40668
9- DAWN ACADEMY- Panchgani Dist Satara, India
Tel No :40390-40412 .
10-MARATHAVADA GURUKUL HOSTEL- Panchgani Dist Satara, India
Tel No :40010
11-GODEVLI EDUCATION SOCIETY- Panchgani Dist Satara, India
Tel No :40224
12-HAPPY HOURS- Panchgani Dist Satara, India
Tel No :40386/40086
13-HILL RANGE- Panchgani Dist Satara, India 40302-Tel No :40332
14-KIMMINS HIGH SCHOOL- Dist Satara Panchgani, India.
Tel No :40324
15-MAHATMA LAXMANDAS- Panchgani Dist Satara, India
Tel No :40591
16-MAHATMA PHULE VIDYAMANDIR- Panchgani Dist Satara, India
Tel No :40377
17-MAHATMA PHULE VIDYA JR. COLLEGE- Panchgani Dist Satara, India
Tel No :40677
18-NEW ERA HIGH SCHOOL- Dist Satara, India.
Tel No :40246
19-OAKS HIGH SCHOOL- Panchgani Dist Satara, India.
Tel No : 40395
20-PINEWOODS HIGH SCHOOL-Panchgani Dist Satara, India.
Tel No : 40900-40901-40902-40290- 40570-40590-40903-40904-40905
21-SANJEEVAN VIDYALAYA- Panchgani Dist Satara, India
Tel No :40307-40308

22-SCHOLERS FOUNDATION- Panchgani Dist Satara, India
Tel No :40399
23-SHALOM INTERNATIONAL-
Panchgani Dist Satara India.
Tel No :40201
24-SILVER DALE HIGH SCHOOL- Dist-Satara Panchgani, India.
Tel No :40638

There are constant comings and goings of visitors here, either to inquire about the schools here, or to visit already enrolled children. The Ravine Hotel in Panchgani recognizes this as a splendid opportunity to serve such visiting parents. The Ravine Hotel provides several booking concessions and discounts to parents that come here to visit their children. These deals are even available for parents that have come to check out the schools are parents that wish to enjoy some quality time with their wards studying here.

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RBI Recruitment Offers National Scholarships For Exceptional Candidates

Reserve Bank of India rolls out the vacancies time to time for various posts around the country. Since RBI is a governing authority for all banks, applicants are very interested in getting a job in RBI for good working standards and high pay scales. The RBI Recruitment for 2012 offers jobs for candidates above 10+2 who are pursuing the Undergraduate studies. The candidates who have higher degrees are not eligible for these exams. A total number of 150 scholars are awarded with the scholarships yearly under this program. Age of the candidate should be between 18 to 23 years in order to appear for this exam. There are few other direct recruitment exams also run by the Reserve bank of India. The age and educational qualification vary in these cases as per the requirement. Based on skills the minimum required qualification starts from a plain graduation to Masters and PhD levels. These are the majorly the finance and the management positions. The Bank also arranges some pre-examination preparation for this kind of examination for SC/ST/PH candidates, which is free of cost and available at the centers of Reserve bank of India.

The RBI Recruitment wing conducts this exam in 11 regional languages other than Hindi and English. These regional languages are Malayalam, Assamese, Bengali, Kannada, Gujarati, Punjabi, Telugu, Tamil, Urdu and Oriya. It is always conducted on 100 locations in Different cities. The written exam is objective type and many questions related to general awareness and RBI functions. The Banking trends prevailing in India, The economy and financial overview is also an integral part of the question paper. The question paper is of ninety minutes and the accuracy with speed is checked in this exam. The selected candidates can be placed anywhere in India but the location preference is kept in mind. The selected candidates are required to complete the assignments and projects, which are allocated to them within a reasonable time. A Monthly Stipend is given to each candidate and it is calculated on pro rata basis. During this on the job training, the performance of the employee is checked time to time. As and when the authorities feel that the candidate is suitable for handling the operations, the candidate is given the posting. This On the Job training is also subjected to a time limit, that is to say that a candidate must have to start performing before the time runs out. After the completion of on the job training, the candidates become permanent employee of RBI.

Welcome to recruitment4all.in. Find all the latest recruitment details from all over the India. Explore Recruitment 2013, Recruitment in India, RBI Recruitment 2013 and much more.

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How To Become A University Lecturer

The most important thing in becoming a university lecturer is to get the qualifications needed. If you decided to pursue this career a while ago (around 50 years before the career became professionalised) a post graduate qualification was not really necessary. However nowadays things are very different in the education world. It is now near impossible to achieve a permanent lectureship without completing a PHD and that is combined with a good bachelors degree of 2.1 or above and possibly masters too.

Although if you think you can do it, then go grab that educational career. However before you rush into it think about what can make you stand out and how to sponge all that experience prior to your permanent lectureship. Whilst you are doing your PhD you may be offered the chance, although many universities discourage the idea, to do on an hourly rate, a little teaching in your department. This could be anything from marking essays and teaching seminars, to contributing towards labs and possibly lectures too. This is a great step forward in expanding your experience and skills for the position.

Following all the hard work of your PHD and experience building, many scholars still find it particularly difficult to find their perfect job immediately. But dont let this put you off, as everybody needs to start somewhere. Hourly paid or temporary and part time jobs are always available and will assist in you gaining even more experience for when a well paid, suitable job comes up. Reviewing this time as something to help further develop your skills and CV content is great for helping you through this possibly stressful time.

So where can you find the jobs that will provide you with the salary, professionalism and general long lived happy success driven career that you have always dreamed of? The first place to start is with your colleagues, supervisors, friends, friends of friends and many others in the academia field. Make sure you always ask plenty of questions and for lots of advice as their answers will be invaluable. The search for you as the perfect candidate will be processed through members of the department, and only later will these positions be advertised publicly.
The internet and recruitment agencies are also a great place to look for the perfect job role. This way you can actually read their requirements and details of the job role to make sure you are their perfect candidate prior to your application.

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Why Choose Accounting Courses

A friend of mine was talking about the falling economy. He said that the biggest victims lately are employees. This probably comes as no surprise for you. Unemployment is high and there is no indication that it will come down for years. Just as bad, it seems that job security is a phrase that just does not apply any longer. When asked which career path is probably the safest, my friend unflinchingly said accounting. I immediately took a look at accounting courses and entertained the idea briefly, before deciding my fancy expensive grad schooling has already sealed my fate. But you should definitely take a look at some accounting courses. And then a second. And then just take them.

It never has been easier to work on accounting courses, whether as an adult, or as your undergrad degree right out of high school. Unlike other fields, there will never be a shortage of opportunities for accountants (every company needs them – after all, companies want money and accountants obviously help them with that). And, even if you opt not for that career explicitly, accounting courses might just be the skill set expansion you need to advance in your own career.

For instance, as a said, every large company has a branch of accountants. Even small businesses usually have one or two. If you are able to communicate better with, or even help with tasks when he, she or they are overworked, those accounting courses will be well worth it. Perhaps you are on a management career path. You will undoubtedly deal with accountants and the more you understand their jobs, the better you can oversee and promote realistic productivity. Or better yet, if you’re going into business for yourself, being able to handle your initial accounting needs will probably pay for the accounting courses right away in the money saved on an additional employee or consultant. Accounting courses are not just for future accountants.

With the improved quality and prestige of online education programs, it has never been easier to enroll and complete accounting courses. Furthermore, with the accredited schools offering scholarships and creative and affordable tuition and financing, you can do it on a budget.

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Welding Course Coverage of Any University Curriculum for UG Program

Welding is used for joining materials for constructing structures like rails, bridges, ships, pipelines, pressure vessels, missiles, space ships, gas cylinders and many more things. It is also used for repair and maintenance of worn out or broken / cracked components. It is a manufacturing process which finds applications in any industry. There are people working as Welding Engineers, Welding Supervisors and Welding Technicians – totaling about 800,000 in our country. It has a big role in the industrial development of any country. Today welding technology has advanced so much that welding engineers need to have knowledge of interdisciplinary courses like welding metallurgy, welding processes, joint design, heat transfer, fluid flow and the like. The welding course coverage of any university curriculum for UG Program in Mechanical Engineering /Metallurgical Engineering is normally very meager – about 20% of a full semester course on manufacturing processes. The students undergoing such courses do not develop much appreciation of the subject since the total time and slot available for the content under welding technology is rather very limited, it is suggested that every university should introduce an elective course on Welding Technology during the pre-final year or final year program. The students opting for such an elective course will be able to build a career in welding and related activities and will have a good job prospect.

Alternatively, an engineering institution can introduce an optional non- credit (but mandatory) Certificate course on Welding Technology. Incidentally, many universities encourage the students to study a few non- credit Certificate courses for value addition and furthering their career prospects.

Welding Technology become more advance quickly during the early 20th century. Welding is a fabrication process used to join materials, usually metals or thermoplastics, together. It is more in demand during the First and Second World War. It provides a great opportunity for those students who want to make a career in welding technology or welding engineering. It reduces unemployment from the world. There are number of welding institutes in India provides vocational courses and technical training in welding. After completion of courses Institutes provides a certificate. These certificates are helpful for learner to searching a job. Ador Welding Academy Pvt Ltd has developed curriculum modules that can be introduced in Polytechnic and Engineering Colleges at the pre-final year/ final year of the program. These curriculums also include actual practice sessions and working on a production-shop related welding project. The placement service of the academy also provides employment linked-services.

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Homeschooling Teenagers Some Contributing Factors To Their Annihilation

Many of the homeschooling parents have found that with time, their homeschooling teenagers do not follow the values inculcated in them during their homeschooling days. They dont even respect their parents values once they enter teenage. Teenage rebellion has become commonplace, and our culture has responded by expecting less and less of teenagers. It is also seen that many teenagers go against their parents wishes to fulfill their own dreams and even get involved with drugs, alcohol, and immorality. They no longer believe in God and hence start living a life of their own judgments.

Many parents believe that they can prevent their children from such rebellion because they feel confident of their parenting approach. There are some critical contributing factors that have led to the destruction of mind of teenage children because of their family-minded parents. Some of these are as below:

Parents have self-centered dreams where their concern for themselves ends up overshadowing love for their children. One of the reasons parents homeschool is because they want to accomplish something good in their children. Success in homeschooling requires that academic, moral, and spiritual goals be set.

Making family as the idol results in turning it as a measurement of success. Being an idol requires sacrifice, but normally parents end up sacrificing relationship with their children for the idol of the family.

Parents tend to follow what other families are teaching their children and try to impose those notes on their children. They are disappointed when they compare their kids with the outside forms and merely find any expression of learning in their children.

Many parents have designed their personal standards and believe that it should be followed by everyone else in the family. Many families are marked by pride and judgment and its consequences leave a negative impact on the children as they too are made to judge things out of pride thereby filtering their perceptions to view things.

Parents tend to become authoritative and start molding their kids in the direction where they can become more disciplined, sheltered and behavior oriented. In doing so, parents give their child to maintain high standards for their outside so that their inside is shaped as anticipated. This result in dominating style of parenting that damages the relationship and hinders the ability to truly influence their values.

Over control is also associated with over reliance upon sheltering. Over sheltering your child might be harmful as your children may feel abandoned and lonely since they are protected from children with like-minded families, from secular beliefs and so on. Protecting from temptations and corrupting influences is part of raising children. Every parent shelters to one degree or another. But this line should be drawn according to what actually is required for the child and not what a parent seek for the betterment of their child.

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Minn. Survey Shows Impact of Recession on Student Loan Debt

The Minnesota State University Student Association has released the results of a survey it issued in September 2010 to help assess the impact of student loan debt on its members. Because the surveys number of responses is small — just 46 responses to date — the results dont hold tremendous scientific value, but they do paint a picture of how the recession has affected college loan debt and default rates in the state.

According to the compiled results, the survey respondents — all of whom graduated from one of Minnesotas public four-year universities — currently carry an average of $32,456 in student loans. Thats 40 percent more student loan debt than the national average of $23,186.

The respondents reported an average monthly student loan payment of $297 with an average loan repayment plan of 15 years. Although federal education loans have a standard repayment horizon of 10 years, borrowers who hold more than $30,000 in federal college loan debt may request a debt-help repayment plan that extends their repayment term to up to 25 years.

These results are consistent with the findings of the U.S. Department of Education released last fall, which show that Minnesotans leave school with more federal college loans than the average student nationwide but tend to default less often than borrowers in other states.

According to the Department of Education, 55 percent of Minnesota college students take on federal school loans to help pay for college expenses, compared to 37 percent of undergraduates nationwide and 47 percent of undergraduates from Midwestern states.

While carrying higher student loan debt loads, however, Minnesota borrowers have a default rate on their federal college loans of just 3.7 percent, compared to the national default rate of 7 percent.

These default rates are measured from students whose federal school loans entered repayment in 2007-2008 and who defaulted before October 1, 2009.

The 2008 default rate in Minnesota of 3.7 percent marked a rise from 3.3 percent in 2007 and 2.9 percent in 2006. Despite this upward trend in student loan defaults, Minnesota ranks 51st in default rates out of the 54 states and territories assessed by the Department of Education.

Officials from the Minnesota Office of Higher Education attribute the lower default rates in their state to better employment prospects for graduates. They also point out that students who leave school without graduating or who work in low-wage jobs are most likely to default on their college loans. Students who earn occupational certificates instead of college degrees are also at a higher risk of defaulting.

Graduates of Minnesotas four-year private and public nonprofit universities were the least likely to default on their school loans. Just 1.4 percent of students from private universities and 1.9 percent of students from public universities who graduated with student loan debt defaulted in their first two years of repayment.