Luna Maya wet more !

Yes, we like her wet ! and more wet ! She's so sexy....it is true when someone's said, Once a woman looks wet, there will be a victim ! And the victim is us ! We can not hold our desire to have Luna Maya's gorgeous face and body, with the wet appearance ! It is more exotic to look ! Wow ! Still, I do not know, why does she longing for Ariel ever !? What so special about him ? Anybody help guys ?

Look guys, do I need to say more ?

I'm speechless...

her beauty lock my lips...

but not my eyes!

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Deferred Student Loans - Make Sure You Understand The Rules

Getting to college, saving the money and earning it as you go is only a part of the story. Most students will borrow at least some of the cash they need.

Once the classes have finished and it's time to get out into the real world, it's also time to decide how you are going to handle your deferred student loan into the future. You don't want a cloud hanging over you forever, nor do you want to miss then fun your new earning power gives you.

So what's the deal then?

Let's just look at what a deferred student loan is all about. Whilst some student loans are deferred, you need to realize that many require payments even while you are still at college, which as you might already realize, is like topping up a water barrel that has the plug already out at the bottom.

Question is, can you put money in at the top fast enough to stop your barrel becoming empty?

So, if you can, it might be a great idea to have a loan, like a Stafford loan that needs no repayment until graduation is over, often with a 6-month grace period as well, to get you started in your job and new home etc.

Whatever the benefits of this are, there are rules upfront. If you leave college, or do too few hours of class, for example, you may well be required to pay back all you have borrowed right away. From this point of view, so long as you stay enrolled in the college that you have chosen, or a similar qualifying one, you will be OK

In this way, the loan is regarded as a deferred student loan.

With a Stafford Loan, there are two ways that it works. Sometimes the deferred student loan is offered by the college itself. The alternative is where private funding is arranged, by a specialist in student loans and guaranteed by the federal government. Repayment is the same in both situations and the loan remains payable under the terms of the agreement.

An alternative, the Perkins deferred student loan, comes through the college and has government funds to back it and is focused on those who cannot afford a loan from any other sector.

You need to remember that there is a range of schedules for deferred student loans that are not as 'deferred' as you might want. Getting into one of these without the right plan going forward will give you a tough time, so make sure that you realize fully what you are getting into.

You see, as an example, a 'Federal Direct Parent Loan for Undergraduate Students' start their repayment demands within a couple of months of classes starting!

This is not really one of the deferred student loans that you would want to take, if you are in the emptying that water barrel situation. If you do find you have one of these loans, it's vital to get your budgeting and cash flow well organized well before you start to fall behind.

Bad Credit Student Loan - What To Do If You Need One

Are you concerned that bad credit will prevent you from going to college? While it is true that finding student loans with excellent interest rates is easier if you have a sterling credit rating, bad credit student loan aid is possible. For example, the most popular US Department of Education loan, the Stafford loan, assumes that most applicants will be going to college straight from high school, and will not have a credit rating yet. Therefore, Stafford loans do not even consider the credit rating a factor when it comes to qualifications. The same holds true for Perkins loans, which are federal loans designated for the neediest students. The only reason bad credit would interfere with these kinds of student loans are if you have defaulted on a federally granted student loan in the past.

Bad credit student loans are also possible if your parents have better credit than you do. In this case, a PLUS loan, which is granted to parents and not to the student, might be the way to go. US Department of Education student loans (like Stafford and Perkins loans) assume that the parents will pay for a certain amount of their children's schooling; PLUS loans are intended to cover the amount that the parent is obligated to contribute toward college costs.

Federal funding is a good choice for a bad credit student loan because they are specifically designed to help make college more accessible; therefore, their requirements are much looser than those of most banks and other lending companies. However, if you are unable to secure a US Department of Education student loan, you may need to turn to private loans. If you are planning to graduate in a field with a high earnings potential, like law or medicine, you might have a better chance of receiving a bad credit student loan from private lenders.

None of these choices are either/or possibilities, by the way. You may be able to put together enough money to finance college through a combination of any or all of the above types of loans. Moreover, even if your bad credit student loan is at a very high interest rate, all is not lost. Many student loans defer payment until you have finished college, giving you time to improve your credit rating. At that point, you might want to look into ways to consolidate your student loan at a better rate, lowering your payments to a more affordable level.

Hubris and the LHC

Suppose that the ultimate standard of our work were to be, not professionalism and profitability, but health and the durability of human and natural communities. Suppose we learn to ask of any proposed innovation the question ...: What will this do to our community....Suppose, in short, that we should take seriously the proposition that our arts and sciences have the power to help us adapt and survive. What then?

Well we certainly would have a healthier, prettier, more diverse and interesting world, a world less toxic and explosive, than we have now.
Wendell Berry, Life is a Miracle

The scientist, a woman, is sitting in a room surrounded by monitors detailing invisible events miles away. She is smiling, so I imagine she is happy. She is happy thinking thought about things that do not exist except in her mind and on her monitors.

In her hand she holds champagne. Grapes fed the rays of the sun, lashing together carbon dioxide and water, were consumed by yeast. Electrons spilled, compounds changed. The yeast grow and divide, grow and divide, until poisoned by the same ethanol they produced.

That we can smash a couple of protons together at energies beyond comprehension, spending money beyond imagination, to search for the God particle in the name of physics speaks to our conceit.

That we celebrate such deeds while holding champagne in our hands, only dimly aware of the daily miracles that make wine, that make bread, that allow us to breathe, to drink, to eat while chasing our conceits at the expense of our neighbors speaks to our ignorance.

Michio Kaku, a physicist, writes in tomorrow's Wall Street Journal that this will help us "understand...the instant of genesis." He has said that finding new particles might "affect our conception of who we are in the universe."

Dr. Kaku speaks metaphorically, I suppose, and I reckon he'd be a fine musician of Bremen, but he does not speak for me.

Yesterday, the same Dr. Kaku said:

This is a huge step toward unraveling Genesis Chapter 1, Verse 1 -- what happened in the beginning. This is a Genesis machine. It’ll help to recreate the most glorious event in the history of the universe.

If you cannot find your "conception," your place, your existence in the life around you, you are not going to find it anywhere. Not in a book, not in a monitor, not in a 17 mile slinky toy buried beneath Europe.

The mindless pursuit of knowledge is a very dangerous game. If you're going to quote Genesis, Dr. Kaku, you'd do well to take a peek at Genesis 2:17. It is a fable, but a wise one.

Science allows us to see the world more clearly, to find patterns, to predict events. All science requires a filament attached to the natural, observable universe, a universe we cannot hope to ever fully understand, a universe not made in the image of man, a universe that may prove less forgiving than the gods we have created for our comfort.

College Loan Refinance

College loans are financial aids that students can take advantage of and apply for to help them pay their way through college. After graduating from college, there usually is a grace period that is given to students before they have to start the loan repayment process. There are different repayment programs that students can choose from to suit their needs.

Benefits

College loan refinancing is an option that helps students reduce their loan payments, but most people often overlook this option. The objective of college loan refinancing is to reduce monthly student loan payments. People can save hundreds or thousands of dollars when refinancing student loans. This is possible because refinancing can lower interest rates. Refinancing or consolidating loans usually allows students to stretch their repayment period up to 30 years. This enables them more financial flexibility when it comes to paying for living expenses.

Strategies

There are several strategies for refinancing student loans. One is to separate refinancing of federal student loans from private loans. It is easier to get lower interest rates for federal loans compared to private student loans. Combining both types of loans when refinancing might lead to paying higher interest rates than when they are applied for separately.

Another strategy is to have a good credit history. Refinancing programs often look at the credit history of the applicant/student. It is advised that, before going for refinancing, the applicant review his or her credit report, see if there are any issues, and complete the appropriate steps to fix problems.

Different lenders have different rates. It is good practice to review what each one is offering.

Where to Start

There are a lot of companies that offer refinancing and most of these companies have their own websites on the Internet. Borrowers are advised to go with credible and established companies. These companies have consultants with the resources to customize refinancing plans up to a certain extent to fit the needs of their clients.

Using Student Loans, Scholarships And Grants To Pay For College

For most middle class parents it can be a case of sticker shock adding up all those cost to send a young adult to college. Between tuition, fees, room and board, the average yearly cost is $12,127 at a four year public college and more than $29,000 at a private university. It's no wonder parents ask themselves each year if they can afford it.

The good news is that the answer is yes. With just a few simple moves families can save themselves thousands of dollars.

Start early

One thing parents should never underestimate is the power of saving. A 529 plan is one of the more popular saving plans. It basically offers parents a tax-advantage for saving for future college costs. It's also known as a "qualified tuition plan."

529 plans come in two varieties -- college savings and prepaid tuition. College savings plans let parents use their plan funds for college expenses at any college. Prepaid tuition plans let parents lock-in future tuition at in-state public colleges at present prices.

All fifty states and the District of Columbia sponsor at least one type of 529 plan. In addition, a group of private colleges and universities sponsor a pre-paid tuition plan.

The Upromise website even puts an interesting take on saving by offering rewards to their customers for every day purchases.

When saving isn't enough

If for whatever reason it's too late to save or there isn't enough savings, all hope is not lost.

According to a report from The College Board few students pay full price for college. It says full-time students at private institution receive about $9,000 in aid each year thanks to grants and tax benefits, while the aid is about $3,100 at public four-year schools.

The first step is to fill out a Free Application for Federal Student Aid (FAFSA), using your tax return. Schools use this as a basis for award decisions, and don't delay, since awards are made on first come, first served basis.

There are three types of federal student aid.

1. Grants-- financial aid that you don't have to be repaid.

2. Work-Study-allows you to earn money for your education.

3. Loans-allow you to borrow money for school, but it must be repaid with interest.

Talk to a school counselor about the qualifications for each of these and which would work best for you.

If going for a loan, shop around. Websites like ScholarPoint offer a variety of tools to understand and apply for loans from the Stafford loan for students to the PLUS loan for parents, and private education loans for undergraduate and graduate students.

Scholars wanted

Another and rarely used way to find money for college, is scholarships - apply, apply, apply. Guidance counselors frequently complain that there are so many scholarships out there, but few people apply. They say part of the problem is a misconception that a student has to be in sports or have straight A's to get a scholarship.

But there is more than a billion dollars worth of national, state and local scholarships available and they vary according to your education level, talent, and background. You just have to look, and it doesn't have to be a long drawn out chore hunting for scholarships. The College Board websites allows you to search some 2,300 sources of college funding, and so do websites like FastWeb , which has a personalized scholarship matching program.

Reducing the cost

Spending your first two years at a community college can also drastically cut down on the costs. Community colleges are usually less expensive than four-year schools, and attending one allows you to live at home, saving money on room and board. If you decide to start at a community college, make sure your courses will transfer to your four-year college, and they will count toward your bachelor's degree. Discuss any concerns you have about transfer courses and credits with the college registrar.

With all these options and choices, one should never let the dream of going to college slip away, no matter their financial situation or circumstance.

Pengertian Lingkungan Hidup

Definisi dan Pengertian Lingkungan Hidup
Menurut Undang Undang No. 23 Tahun 1997, lingkungan hidup adalah kesatuan ruang dengan semua benda, daya, keadaan, dan makhluk hidup, termasuk manusia dan perilakunya, yang mempengaruhi kelangsungan perikehidupan dan kesejahteraan manusia serta makhluk hidup lain. Sedangkan ruang lingkup lingkungan hidup Indonesia meliputi ruang, tempat Negara Kesatuan

The Wet Luna Maya...

We're HOT when see her dry ! What about when she's wet ? Boom !! you are burnt !
Luna Maya, dropped by the water by her colleagues in RCTI's Dahsyat anniversarry couple days ago...what we can se is an angel down to earth...errr...water to be exact !

there's always an opportunity during bad time...

I like the cleavage most!

hey, where they go ?

yeah babe!

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Student Loan Debt Consolidation - What to Look for in a Student Loan Consolidator

If you want to make a wise financial decision upon graduation, choose to consolidate your student loans and reduce your number of monthly debt payments. Recent graduates typically have more than one Federal student loan. Multiple loans mean managing different accounts each month and keeping track of varying due dates. With a student loan consolidation, all outstanding loan balances merge into a single account. Since student loan consolidations typically offer lower rates, the monthly payments on a combined account will be considerably less. Of course, prior to making the decision to consolidate, it helps to find a good consolidation company.

How to Find a Good Consolidation Company

Picking the right student loan consolidator requires time and research. Banks and lenders constantly bombard recent graduates with consolidation offers. These offers promise to reduce monthly payments by up to 60%, which saves money. Because student loan consolidation companies are different, accepting the first offer is never a good idea. It is best to search the Internet first and compare different consolidation programs.

What to Look for in a Student Loan Consolidation Company

Even though student loan consolidation companies may aggressively seek your business, they may not have your best interest in mind. A good student loan consolidator will provide a guide or counselor to help you through the process. It is normal to have questions and reservations. A reputable company will acknowledge your concerns and provides satisfactory answers in a timely manner.

What's more, a good student loan consolidator will not hurry the loan process. Rather, they will give you sufficient time to review the terms of the agreement, and then decide whether the loan is right for you.

Does the student loan consolidation company offer flexible payment options? If not, think twice before signing the document. Federal student loans offer graduates various payment options such as a deferment or forbearance. If the borrower stumbles upon financial hardships, these options allow them to skip a few payments. Lastly, before picking a student loan consolidator, make sure that the company is accredited by the Association of Independent Consumer Credit Counseling. Accreditation means that the student loan consolidation company is reputable and competent to handle your loan needs.

Avoiding Student Loan Bankruptcy

In order to meet the rising costs of higher education, many students have no option other than availing a student loan. There are several banks and financial organizations offering educational loans to students at lower interest rates and convenient repayment terms. Moreover, repayment of student loans begins only after the student completes his/her education and gets employed, thus making them an attractive option. In case, if the student is unable to repay the loan, he/she might think of filing a bankruptcy.

According to experts, filing bankruptcy and getting rid of federal student loans is not an easy task. One needs to prove before that court that he/she was unable to repay the loan in spite of making genuine repayment efforts and that if he/she is forced by the court to make any repayments, it will be difficult to maintain even a minimal standards of living. Moreover, filing for bankruptcy reflects a poor financial situation of the borrower thereby affecting his/her credit scores to a considerable extent.

In these circumstances, there are certain ways of avoiding student loan bankruptcy. The best way is to contact the lender and discuss the problem with him. Lenders can offer feasible solutions or alternate repayment options so as to get the loan cleared with minimum hassles. Another option is to consolidate all the existing federal student loans into one student consolidation loan that is offered at low interest and flexible repayment plans. Consolidation of federal student loans in the US is administered through the Direct Loan Servicing Center under the Department of Education.

Avoiding Student Loan Default

Millions of college and university students and graduates have funded their college education using one of many student loan programs. There is no doubt that a college education will provide not only increased income but also more employment options throughout life. However it will require many years to pay off most student loans. It is not uncommon to have student loan payments extend for 20 or more years.

Many students and graduates will end up using multiple student loans before they get their diploma. Without good student loan consolidation advice a graduate may end up making multiple student loan payments each month all of which will strain a family's budget. In addition with multiple loan payments it is fairly easy to end up defaulting one or more student loans. Student loan default is serious business especially if you are an entrepreneur or in business for yourself.

Getting behind on your student loan payments can happen as a result of a family emergency, the birth of a child, job change or loss of employment. When this situation arises the worst thing you can do is ignore the problem. Most student loan programs are backed by one of several federal loan programs. As such if you are late and ignore correspondence from your lender your loan will also be in default to Uncle Sam.

If you are having a financial problem and cannot make your student loan payments you should immediately contact your lender. Explain your circumstances and tell them that you fully intend to pay the loan off as soon as you get back on your feet. Frequently there will be programs available to help you. These delayed or reduced payments with forbearance programs are available with both private and federally backed student loans. In most cases the interest on your loan will continue to accrue during the delay. However penalties and collection fees will be avoided if you act in good faith with your lender. This also may be a good time to seek good student loan consolidation advice from your lender.

Again ignoring the problem of being in default on your student loans can cause real problems. Graduates who default on federal student loans may soon be getting a letter from the IRS seeking collection that includes penalties and collection fees. Once you find yourself on the IRS delinquency files your name will stay in their data base forever. If you are in default with a private lender then you will be subject to court ordered collection processes. In addition your credit score will fall like a stone making it more expensive when it comes time to purchase a home or vehicle when you get back on your financial feet.

The Truth About Scholarships & Financial Aid

The misconceptions about Scholarships and Financial Aid are endless. The most common is that it is: "Getting a scholarship is hard" people think that your chances are so slim, like 1 in a million. That is not the case at all. The truth is the more scholarships that you apply for the more you increase your chances of actually getting a scholarship.

The same principal goes for college grants as well. The difference is in the application process because with grants in some cases you need a co-signer. However the guidelines for college grants aren't as strict as those of scholarships. With scholarships you have to take a specific amount of courses and maintain a specific GPA. With student loans...forget about it lets just focus on getting scholarships and grants free money for college.

College Scholarships are Free

The first thing that should come to mind when you think about college scholarships is the word free.

You do not have to pay to apply for a college scholarship. When you see advertisements for a scholarship that is not

free that is a red flag and most likely a scam.

Applying for Scholarships Online

When you apply for scholarships online there are a few things to expect:

within a few days of being awarded with that scholarship you should receive a phone call from a representative of that organization.

An email confirmation with the information you provided

A pin number or password if you are using a scholarship search

Information abut additional scholarship opportunities that you are eligible for

Combining Scholarships and Financial Aid

The title of this paragraph is self explanatory: "Yes you can Combine Scholarships and Financial Aid. Many people don't realize that you can combine financial aid: Scholarships, Grants and student loans can all be used in conjunction to pay for your College Tuition. Also you can use multiple sources of each for example: You can use more than 1 scholarship, grant or student loan - you can have as many of each that are needed to pay for your tuition.

Misconceptions of Scholarships & College Financial Aid

It is hard to find scholarships -False use a scholarship search

Universities and Colleges are the only sources that provide scholarships

You can only use scholarships from the school your are attending -False you can find other scholarships and grants from private organizations

Student Loan Consolidation is the best option -False sometimes it can hurt your more than it can help you

You can't apply for scholarships if you aren't currently enrolled in school -False you can always apply for scholarships

Every scholarship requires an essay to be submitted -False some just require a standard application

You can't get a student loan without a co-signer- False

You can't get a student loan with bad credit -False

There are 2 free scholarship searches provided at scholarshipsupport.com. Also many people think that they are allowed to use one scholarship, you can use as many as you need to pay for college. As far as student loans go, student loan consolidation isn't always the best option. As said before focus on using scholarships and grants to pay for college; student loans should be a last resort.

The Best Summer Ever Kids! - Part One

Biomedical Research Academy - University of Pennsylvania

University of Pennsylvania, " Penn Summer Biomedical Research Academy"
Scholarship Deadline: March 31, 2010
Date: July 5-July 31, 2010
Cost: N/A (scholarships available)
Contact: Ed Healy (516) 621-3939 / hsprogs@sas.upenn.edu

Summer is a great time for students to learn something new, grow and have fun. This program at the University of Pennsylvania gives students the opportunity to do all that plus get college and career exposure.

The four -week, non-credit Biomedical Research Academy immerses you in some of the most cutting- edge areas of biomedical research, including cardiovascular disease, oncology, immunology, and neuroscience.
Morning lectures provide a solid foundation in molecular biology and genetics and offer in-depth views into the key research programs and therapeutic approaches of biomedicine today. Most afternoons are spent in Penn biology labs where you gain first-hand exposure to the experimental techniques and tools employed by biomedical researchers. You will also work with Penn researchers on a specific topic in biomedical research to explore both the scientific and medial aspects of diseases.
Prerequisites: One year of high school Biology is required for application. One year of high school Chemistry is advised.

See Part Two

Suci Ramadhani, the most Gorgeous Indonesian Idol ever !

Days ago, I saw the Indonesian Idol contestant, Suci Ramadhani....hell yeah, she's gorgeous. Even Anang got horny and dropped his saliva in front of Millions Indonesian TV viewers ! And I'm pretty sure, millions Indonesian watched this hot chick dropped their saliva...or at least the liquids in their own home !

She's Malay from Riau....viva Malayan Girls !

an innocent laugh!

hi cutty!

Click here to get Suci Ramadhani FRESH HOT PICTURES to your inbox !

Excellent Web Based Educational Resources

This web site has some great resources for students and teachers, including test prep, study skills, organization, grammar and writing, and career planning. Everything broken down by topic and is listed on one page, so it is easy to find things.

http://www.elearners.com/educational-resources/

Is Federal Student Loan Consolidation Useful?

When you are in the universities you might have advanced your career by obtaining one of the student loans. Since you do not have to pay back immediately it is no cause for any worries for your parents or yourselves. Unfortunately the same unsecured loan becomes a problem for you after completion of your academic career.

One of the most popular solutions to the problem is the student loan consolidation. You can have either the Federal loan consolidation or the private loan consolidation. In these days of computer boon even a search is not necessary as you can apply for any such loan online.

Federal Student loan consolidation

The Federal loan consolidation plan for the students is managed by the Federal authorities. It is a fixed rate program of refinancing. In the process all your existing federal student loans are amalgamated into a new one. Such consolidation not only provides you with immediate relief relating to repayment but also has several long term benefits to offer.

Benefits that your derive with such college loan consolidation are:

• Your monthly payables are reduced by nearly 50%.

• The repayment process is made simple and comprehensive with only one consolidated payment per month.

• It could improve your credit ratings considerably.

• There are no checking or application fees to be footed.

• Consolidation process can reduce interests by nearly 0.6% in the grace period available.

• You do not have to run from pillar to post. You can apply and avail loan consolidation benefits sitting at the cool comforts of your own home by applying online.

Payment relief - the basic benefit of student loan consolidation

People opt for the federal student loan consolidation for the basic reason that it provides considerable payment relief. Not only by consolidation your monthly payment turns into one compact installment but also the interests could become lower. The best part of it is that there could be some notable reduction in the principal amount as well.

Moreover the time span for repayment could be extended up to 30 years causing the installments per month becoming tiny in comparison to what you were paying before such consolidation. This will cause you to save money for other immediate expenses and you will not have to fall into the abyss of further loans.

On the other hand such savings could help you make higher payments than the installments fixed that would reduce your payables gradually but at a much faster rate.

Loan consolidation basics

When you opt for the student loan consolidation you can try one-on-one personalized services. The benefits of such services will be that the trained expert professionals in the service will explain you the step by step way to such consolidation process.

The other benefit will be lowering of the consolidation interest loan rate student [http://www.badcreditokay.net] by reducing the premium to one consolidated amount per month. There are several types of Federal student loan consolidation and it will be easier for you to choose the right option with some expert advice to follow.

Student Loan Debt Relief

Student loan debt relief is one of the biggest worries on a new graduates mind-- it is an exciting thing to finish that hard earned degree, but it can also be very overwhelming to face the mounds of student debt that accrued over the years.

There are several options for your student loan debt relief. Some people choose to simply pay the loans as is, they don't take the time to explore any type of refinancing that may be available to them. This can be a good and a bad thing, but it really depends on the individual student loans that you have. Some of the loans that are available already have low interest rates and fast payment plans, so there may be no need for a refinance of those loans. But, on the other hand, there are some banks that really take advantage of the students by offering poor loans... if you have this type of financial on your school debt then I would highly suggest that you look at your consolidation and/or refinance options.

There is no harm in exploring your other options, and one of the most common choices for student loan debt relief is consolidation. Some of the advantages of consolidation is that it will roll all of the debt into one easy payment-- and many times you are able to lower the interest rate by consolidation your student debt. Also, consolidation can often help you to pay off the debt more quickly.

Don't jump right into the first student loan debt relief offer that you see, because it is important that you take some time to research out what other companies have to offer. This process will help you to understand the market and also see find the best solution to help you quickly get out of debt.

Student Loan Consolidation: The Good, Bad, and the Ugly

With tuition costs rising across the country, it has become increasingly necessary for college students to take on debt in an effort to get their degree. But student loan repayments are often difficult for students to make, especially considering that early on graduates incomes are typically quite a bit lower then their ultimate earning potential. Due to these circumstances, Student Loan Consolidation is a valuable option for many recent college grads to pursue.

How Student Loan Consolidation Works

Student Loan consolidation works like most consolidation programs. A single lender takes on the various loans you have accumulated, like Stafford, Perkins, HEAL, NSL, and private loans. While the terms and repayment conditions vary among these many different lenders, a single loan consolidation company will pay off all these loans and offer you a single, typically longer term, loan. What this means practically, is that instead of having to pay off one loan in 3 years, another in 5, and another in 10, or having one loan's interest rate be fixed and another variable, all your loans are compiled under a single system. You can then negotiate with your loan consolidation lender, about the terms of the loan. Typically, students opt for a repayment plan of 10 to 30 years. Obviously, the longer the term of the loan, the lower your monthly payment will be.

Why Consolidate?

Consolidating your student loans offers you the opportunity to stretch out your payments, so as to take advantage of your future earning power. It is quite reasonable for students to believe that they will earn more as their careers progress, and by stretching out the length of their repayments, they won't have to pay the most on their loan while their income is at its lowest point. Another benefit of student loan consolidation programs is that they take a lot of the confusion and problems out of student loan repayment. For recent graduates who have loans from a variety of public and private lenders, keeping up with the unique terms and conditions of every loan can often be a bit of a nuisance. For these reasons consolidation is a very popular option. But that does not mean that it is not without its costs.

Why Not Consolidate?

Loan consolidation of any variety, is so appealing for lenders because they can charge relatively high "consolidation" fees. While student loan consolidation is regulated better than most forms, loan consolidation companies still manage to add quite a bit to the principle of the loan (that you will ultimately have to pay back) in the form of fees. One way to avoid this is to insist that you be offered the opportunity to pay for ALL consolidation fees upfront. By doing this, you can ensure that you will at least be made aware of the quantity of charges being imposed upon you. Another problem with loan consolidation is that by extending the terms of your loans (say from 5 to 15 years) you dramatically increase the amount of interest you pay on your loans. Your interest payments on your loans accumulate over time. This means that the longer you take to pay your loan back, the more interest will accumulate. Many students fail to notice this, as they only focus on the interest rate, and not the total amount of interest that will be paid over the life of the loan.

Student loan consolidation is a valuable tool for students who want to defer their repayments until they earn more or for those who find the nuisance of maintaining many of their individual loans to be too troublesome. It is important for recent graduates to consider, however, that these benefits, despite what lenders may lead you to believe, do not come without negative tradeoffs. By being aware of both the positives and negatives of student loan consolidation, you can make more educated decisions about the whether student loan consolidation is the right solution for you.

Student Loan Consolidation Fraud - Beware of Scams

Since most college students are known for not having a lot of money, it would seem unwise for a thief to target them. Still, some people are willing to steal even from college students who are already strapped for cash. Thanks to lots of good press in recent years, the many benefits of student loan consolidation have been clearly presented. You can successfully avoid becoming involved in student loan consolidation fraud by using some common sense.

Student Loan Consolidation Fraud: Social Security Number Scam

One scam that people use to commit student loan consolidation fraud uses emails and phone calls that supposedly come from well established financial institutions. They contact students, claiming to work with student loans. They often ask for background information and sometimes are able to get names, phone numbers, and email addresses of students who have applied for student loans. These scams will ask you to verify their information with part of, if not all of, your social security number.

This scam is not new. For many years a similar scam has been spammed to countless email addresses, asking recipients to "contact our security department immediately". The emails these scammers use can look quite official. These tricks have worked before, most famously with PayPal and eBay users.

What to Watch Out For

Student loan consolidation scams also utilize emails, mailings, and phone calls that contain the following signs of fraud:

- Impossibly low interest rates

- Spelling and grammar errors

- Letters or emails written exclusively with capital letters

- The address of a company you have never contacted before

What to Do If You Have Been Scammed

The first thing you should do if you believe that you have been scammed by student loan consolidation fraud is to right down details regarding your interactions with the company. Then, contact your creditors and the Better Business Bureau so that they become aware of the scam.

Am I Eligible For Student Loan Debt Consolidation?

As a student who has taken admission in college for the first time or as parents who are planning to send their child to college, you can't help but cringe, when you have to purchase textbooks worth thousand dollars or when you receive a bill for tuition fees. The rise in expenses associated with college education in United States has led to increase in demand for student loans. This has, in turn, increased the requirement for student loan consolidation services. Students, whether pursuing their studies in a graduate school or studying abroad have accrued huge debts, much beyond, what was considered reasonable, a few years back. Student loans have lower than normal interest rates and very flexible payment terms. This is because these loans are specifically meant for the people who are not employed.

But even with such low interest rates and convenient pay-back terms, many students may find it difficult to pay these loans as per the payment schedule. Student Debt Consolidation programs are customized to assist the students in managing their loans and thereby helping them to avoid defaulting on their debts.

There are debt consolidation agencies which are specially meant to manage debt problems of the students.

Basic Types of Loans

Student loans can be classified into federal and private. If you are one of those students who have taken both types of loans it is strongly recommended that you do not consolidate these two loans into one. Out of these two loans, only loans classified as federal can be refinanced as they are backed by the government. You should package all the federal loans into one and solve them before heading for the private loans. Private loans are mostly unsecured in nature therefore they charge interest rate which is higher than federal loans.

Criteria for Consolidation

If you would like to go for consolidation of your student loan, you will need to meet certain criteria. Firstly, it is required that either you should be out of the school or college and be in what is defined as the "grace period" of your loan or you must have already started repaying the loan in order to take advantage of student debt consolidation service. When you get in touch with a consolidation agency providing service to students, you must begin by asking them to get in touch with your creditors.

The agency will negotiate with these creditors and convince them to reduce rate of interest as well as your monthly payment. The repayment of your student loan has a direct impact on your prospects of taking loans in future, as is the case in any other type of loan. In case your student loan becomes more than 85% of total monthly income earned by you, it will be assessed as a negative score for any future loans. This emphasizes the importance of timely repayment of your student loan and its effect on your future decisions of borrowing money. Based on their evaluation of your financial position and repayment schedules, some debt consolidation agencies can qualify you for further debt reduction programs. These addition reduction programs assist you in many ways, most important of which is reduction in your interest rates. They also include savings made during grace period, automated direct debit payment and on time payments.

Beware

It is very important to state here that not all consolidation companies are genuine in nature. Therefore, you must apply to the consolidation company which is a famous company with credentials to support. Ignoring this advice may lead to substantial increase in your problems as such illegal companies will lead to higher debts.

Still Time Left to learn and get Financial Aid for College

Still looking for financial aid to attend a college, university or trade / technical school? Time is getting shorter but all financial aid deadlines have not passed. This series of financial aid sessions this spring is designed to help students and their families understand how to apply for and obtain grants, scholarships and other federal and state money for your education.

Financing Your Education Information - 2 Sessions April 17, 2010 at 10am:

-Wilmington University - New Castle
Audrey Kohl Doberstein Admissions Center - 307

-Wilmington University - Georgetown
William Carter Partnership Center

For more information call 877-967-5464

Great Lakes Student Loans Services Manage Loans for Lenders, Borrowers

The student loan industry is huge, and it is expanding as college costs rise. With students looking for ways to get into college and capital holders looking for ways to safely and lucratively invest their money, Great Lakes student loans management helps unite people who want to study with people who want to invest in their education.

Great Lakes offers all the federal loans available through the Federal Family Education Loan Program. This includes Stafford loans, which offer some funding for every year a student is in school. These can be subsidized by the federal government on a need basis, meaning that until the student finishes school, the government pays the interest on the loan, allowing the student to defer payment without capitalizing the interest. Students with unsubsidized loans also have the option of paying off the loan or just the interest while they study to avoid capitalizing the interest later.

Other federal loans include PLUS loans, which are offered to parents of students in any year of college and to graduate students in addition to the Stafford loan. This loan comes with a minimal credit requirement, which can be met using a cosigner. Federal loans are offered through the FFEL as well as directly from the Department of Education, in order to enforce a standard maximum fixed interest rate, but share the burden (and opportunity) of funding student loans between the government and lenders. By managing FFEL student loans, Great Lakes makes it possible for private investors to tap into this market.

Great Lakes also offers private or non-traditional student loans, tailored to meet both the financial needs of students and the investment and security needs of lenders. These loans make it possible for students to pay the remaining costs of their education after federal loans.

Great Lakes offers a number of services for prospective students and lenders which serve to help students plan their education, help lenders increase their business, and to generally promote higher education, which, as a higher education guaranty corporation, serves Great Lakes' interests. These resources include pamphlets and online resources outlining the benefits of receiving a college education, loan calculators for students, and loan education resources for lenders, borrowers, schools, and counselors and financial aid professionals.

For lenders and borrowers who have already established a relationship, Great Lakes has online resources for borrowers and management software for lenders. Great Lakes offers personal financial management resources for students, as well as mutually beneficial resources for helping students avoid defaulting on loans, including consolidation options.

Great Lakes student loans services help students pay for their education by providing lenders who are interested in investing in their future.

We're part of all this

Things are a bit blurry today. Some things we cannot understand nor control.

This helps.

I stumbled on this at dy/dan via Tuttle SVC.

College Loan Refinance

Benefits

Strategies

Different lenders have different rates. It is good practice to review what each one is offering.

Where to Start

Reduce Your Student Loan Debt in Three Easy Steps

When the student loan payments begin to fall due, and you find yourself overwhelmed with monthly payments, you have to consider how you're going to handle the load. You certainly can't let the loans just slide and hope they go away because that is most definitely not going to happen.

The easiest way to reduce the amount of payments and interest on your student loans is to research the different programs that are available for student loan consolidation. There are several consolidation loan options available for student loans from Federal student loan consolidation to private student loan consolidation, and how much you are able to accomplish will be based on the policies of the lending institution. Some of these loans start as low as 2.75% with terms anywhere from ten years to twenty-five years based on the amount of the loans that are being consolidated.

Another tip to keep in mind as you research the means for obtaining a student loan debt consolidation loan that there are different programs available. The federal student consolidation loans do not always require proof of income or a credit history/ As such, these type loans are a perfect fit for students who are just leaving college and have not yet become settled in their career choices. This type loan can make a difference of up to $300 monthly on loan payments depending on how much is borrowed in comparison to what the original payments were. The difference in payments can help the student get settle into a home and career instead of struggling to make ends meet while repaying numerous student loans.

The student debt consolidation loans that are not backed by the government have a slight higher interest rate that oven starts at about 4.5% and caps at about 6.25% depending on the state. In addition, these loans require good credit as well as income sufficient to make the payments. Some of these loans allow repayment terms up to about thirty years depending on the amount of the loan. For those who have completed their degree and are settled into their career, this type of loan can ease the burden of paying back all of the numerous student loans.

When you begin to look for a student loan debt consolidation loan, you have to do some research and find the one that best suits your individual needs. You want to be sure that the plan you choose is going to allow you to make the payments on time as well as paying all of your other post-college obligations. Be careful not to accept the first deal that sounds like it fits your needs. Do some investigation and get quotes from three to five lending institutions before you make the final decision. By doing this you allow yourself the opportunity to see what other lenders have to offer and can choose from the most attractive package. After all, college costs are expensive, so consolidating those loans is a rather substantial amount of money. A difference of .25% over a term of ten years can make a tremendous difference in the final amount that you will have to pay back.

Perbandingn Pendekatan Penyelesaian Bimbingan Konseling Antara MAN 1 Mataran dan MAN 2 Mataram

BAB I
PENDAHULUAN
A. Latar Belakang

Bimbingan konseling merupakan dua kata majemuk yang dirangkaikan guna mengisyaratkan bahwa proses bimbingan akan dibarengi dengan konseling. Bimbingan adalah proses pemberian bantuan secara berkesinambungan dari orang ahli (konselor) kepada kliennya. Sedangkan istilah konseling adalah proses

pemberian bantuan dari konselor kepada kliennya melalui

Captain Paul Chadwick died today. He was, and will remain, my next door neighbor.

Tossing electrons across unimaginably (for humans, anyway) vast spaces in unimaginably (for mammals, anyway) quick pulses to the few strangers who wander here makes no sense.

I could nap. I could drink. I could walk on the beach, and should. I could pray. I could go take a bath, or do lesson plans, or plant a Brussel sprout.

Paul died just after I finished my last post about wasting children's time in public education.

Paul was a retired Coast Guard Captain. He piloted ships in remote places. He solved problems. He fixed things. He rescued people.

Captain Paul could do what I want my students to do--he could figure things out on the fly.

I have no idea what kind of student Paul was in high school. I do know this, though. At least among my friends, there is no correlation between high school success and ability to solve problems.

And that's a problem.

I need to work harder to help kids become good neighbors like Paul Chadwick. He came from a time when parents mattered more than schooling.

That we forget this in a culture that makes education the task of a "professional" class, a class that would, for the most part, starve to death on forty fertile acres, perturbs me.

Captain Chadwick helped maintain the lighthouse above back in 1967. That he and I crossed paths has been one of the highlights of my life.

I have work to do.

I am all kinds of shook up now.
I don't need sympathy from strangers, but I may need less time on this machine.

The photo is Nubble Lighthouse, from US Pictures.

Investing For College Basics

Many people are really not very experienced when it comes to investing for college. It does not have to be hard or confusing if you just follow some simple guidelines.

The first rule of the stock market is that it is going to fluctuate up and down. Most ordinary investors stick to mutual funds, which helps them spread their money around over many investments at once, keeping the eggs out of one basket, so to speak. Mutual funds are a fairly easy place to start learning how to invest.

Saving for college is a good way to learn how to invest as well, especially if you start early. Let's say that you have fifteen years to save for that first year of college. That gives you almost twenty years before the last year. This is a very long time to invest. You will likely see the stock market jump around wildly, reaching new highs and new lows along the way. Your balance will reflect the fluctuations.

Some people have been scared to put money into their college investments lately, since the market is at a very low point. People generally get excited when their balance goes way up and they throw more money in. This is really the opposite of what would be the most profitable, so you have to learn to keep your head on straight in times of high and low markets.

If the market is up really high and the returns are looking incredible, this is also when the investment is at its most expensive, getting you less shares for more money. When it is really low and scaring people off, that is when it is at its cheapest. You have to keep your eye on the prize.

The market fluctuates with emotions as well as the economy. Even savvy investors find it hard to buy low and sell high. They may see numbers rising and want to get in on the action, driving it even higher. When a lot of them do it at once, they can inflate the value of something beyond what it is really worth. Then they all sell, sell, sell and drive it back down. If it goes wildly high when people are excited, this does not necessarily mean that the stocks are really worth what people are paying, and eventually there should be a correction. If it is really low because of fear, then eventually it may correct back to what it is really worth. That is, if investors pulling out do not bankrupt the company.

With a general understanding of the market fluctuations, you will need to determine how much risk you are willing to take with your money. In general, the longer you have to save, the more risk you can afford to take. But, if you can't sleep at night or it makes you sick to watch your balance plummet, then you may want to consider safer avenues that still have potential for growth. Mutual funds that have a balance between stocks and bonds can be a little more stable while still allowing growth. As you approach college, you may want to move into safer investments, such as all bond funds, getting you out of the fluctuation game all together.

Talk with a qualified financial advisor about the best way to put your children through college. Save as much as you can as often as you can. Keep your credit clean so that you can get the best terms and rates on student loans if they become necessary. Take the time to plan out college savings and it could really pay off.

Deferred Student Loan Lender - Make Sure You Have All The Details

For college students, securing ways to fund their education is as difficult as getting into a good school. Most students receive student loans and do not totally understand their repayment obligations.

An interest deferred student loan is only one type of loan available. It is feasible to find a deferred student loan lender, but like all loans, each has its own distinctive set of dangers and benefits. Each lending institution delivers its own set of rules for potential borrowers, and the quest for affordable student loans may be your first real educational exam!

One deferred student loan lender, the Stafford Loan, requests no payments until after graduation, with another six-month grace period. Whatever sum of money borrowed will have to be repaid only after graduation, or if the student falls beneath half-time status or drops out of school. As long as the student remains enrolled at a qualified educational establishment, the loan's interest is deferred.

Stafford Loans have 2 options, 1 in which the loan is awarded by the school and the other when a private lending institution grants the loan, which is assured by the federal government. In either situation, loan repayment requirements remain the same.

A Perkins loan, released by the school, is backed by funds made obtainable by the government and the amount of funding is restricted and contingent on financial constraints.

Other Loan Types

Other non-deferred student loans obtainable by students and their parents, such as the Federal Direct Parent Loan for Undergraduate Students, will grant a loan based on the amount estimated by the school for classes and supplemental expenses minus any scholarships or further aid obtained by the student. In this loan, repayment will begin within 60 days of the full amount being paid to the school.

The Federal Direct Graduate PLUS Loan provides a similar plan, complete with the same repayment demands.

For many unsubsidized loan agreements, money borrowed under a deferred student loan agreement will not necessitate repayment until after graduation. However, with many of these loans, interest will accrue from the date of the loan. Students are encouraged to make interest payments through the life of the loan or the interest amount will be compounded to the principal.

Most of these loans are awarded to students not qualifying for need-based assistance and they are considered unsecured loans. For many students that require a loan to make attending college a reality, there are deferred loans which delay repayment until after graduation. There are even some types of jobs that will let repayment to be deferred for up to 36 months. Make sure you know if you are dealing with a deferred student loan lender, and if you have signed up for an interest deferred student loan, make extra sure you understand the terms you agreed to and the repayment schedules. Always talk to the financial aid office at your school and make sure you complete your application, submitting all the applicable forms requested by the lenders. Before you apply, be sure you have all the facts required to make an informed decision, so that you don't liken your higher education with higher interest rates!

Student Loans Consolidation Advice

Many college students find that as they near or shortly after graduation that they are going to have to start making payments on all the student loans they have accumulated over the past several years. It is not uncommon for graduates to have four or more education related loans amounting to $50,000 or more. In many cases consolidating these loans will help lower monthly payments and may even lower interest rates. That is why it is so important to find good student loan consolidation advice.

Most people do not realize that Direct Federal Student Loan interest rates are tied to 91 day Treasury bills that the Treasury Department auctions off on a regular basis. The rate of interest on T bills at the end of June each year sets the interest rate for next year or until June 30th the following year. In recent months due to the mortgage crisis and the threat of recession the Federal Reserve has lowered the prime rate to close to 2%. As a result the prices at auction for T Bill should also be falling. It may be a wise decision to wait until after July 1st to apply for Direct student loan consolidation packages.

It is important that you do not delay after that date as it may take as much as 60 days for your Direct Consolidation Loan to be approved. If you are in school you may need to use the consolidation process to acquire additional funding for the coming school year. If you need these funds before the beginning of the next semester than you need to apply early.

You should understand that not everyone will qualify for a Direct Consolidation Loan. In many cases it will depend on the type of student loan and when the loan was granted. You must be a student and attending a Direct Loan university or college and you must have at least one Direct Loan or federal educational loan that was granted during the time you were in school. You really need to do your home work and seek qualified student loans consolidation advice at your university financial aid office.

Doing a good job of comparing the benefits and costs of your Direct Consolidation Loan may save you thousands of dollars over the life of the loan. Remember you will be paying on your student loans for many years to come. Negotiating for income sensitive payments or interest rates will become very important as you begin your tenure in the job market. Even a slight reduction in interest rates over a period of 10 years can yield big savings.

As you can see a Direct Consolidation Loan will in most cases be a good Idea. It may help you to manage your student loan debt and your budget when you first enter the job market when your income is low. In addition it may save you a substantial amount of money over the life of the loan. Again the key to success in this endeavor is good student loan consolidation advice.

Science teacher?

I love teaching, and love science. I especially love teaching science. Science education is not, however, quite the same thing.

I can "teach" Alex the law of gravity:

I can tell her that the moon is held in orbit by the Earth's mass, that the moon's pull influences the tides, and that Newton gets credit for this, and she will do fine on a state-sanctioned end of course exam, punching numbers into a calculator without once realizing that that same moon tugs on her as it does the ocean.

Until she is no longer surprised that a penny and the CRC Handbook of Chemistry and Physics fall at the same rate in my classroom (really!), she hasn't learned a thing.

***

Compulsory science education yoked with a mandated curriculum, statewide standards, and an arbitrary "school year" will not make scientists, no more than requiring every child in New Jersey to master the quadratic equation makes mathematicians.

Oh, you can push kids to perform for awhile--elementary school has smiling children jumping through hoops for the pleasure of adults--but some point beyond the larval stage, pleasing adults is no longer enough to keep a child motivated.

There are a lot of reasons for compulsory "education," but not many good ones. If you're going to make science education compulsory, though, at least make it worthwhile.

Let me teach science.

I have heard over and over again that our children lack curiosity. Their behavior in school supports the hypothesis.

Let me teach science.

I have heard over and over again that something happens to children between elementary school and high school, that they lose interest, that they don't care. Their behavior in school supports that hypothesis as well.

Let me teach science.

What did your child learn today that was useful beyond meeting a regionally mandated curriculum?

***

If I took my lambs outside to a tiny pool for a day, armed with magnifying glasses and worksheets and assignments to complete, they'd rush through assignments, write down what their best friends are writing down, and we'd all feel like we accomplished something.

If I took them back the next day, they'd be confused, and many would not see anything more than they did the day before.

If I did this every day for 2 weeks, a few would start to glimpse how rich life is at the edge of a pond. Many would not, true, but they'd know no less than they would have had they spent the time studying the ecology unit in a textbook.

Science starts with seeing. Until my children can see, and I can help them learn this, the rest of science

***

Children (and teachers) are mortal. We all have limited time here. If we are going to force children to spend a good chunk of their conscious childhood hours in school, we'd better make it worthwhile.

If school were not mandatory, how many children would go?
If school were not mandatory and school cost, say, just $10 a day, how many parents would pay for their children to sit in your classroom?

School has costs, tremendous costs beyond the cash needed to sustain a local school district. Children give up time, time spent with families and real responsibilities not so long ago.

Is your classroom worth the exchange?

The parents of Bloomfield trust me with their children, trust me to teach them science. If after a few months in my classroom, they can see a little better, reason a little better, most of the parents I know would feel I kept up my end of the bargain.

They do not want to hear "We are flying through the material mandated by the state in order to prepare them for a state test given more than a full month before the school year ends."

I need to do more for Bloomfield, and less for Trenton and Washington, D.C.

Cartoon is by Kirk Anderson.

Definisi Break Even Point

Definisi dan Pengertian Break Even Point

BEP atau Break Even point merupakan sebuah analisis untuk menentukan dan mencari jumlah barang atau jasa yang harus dijual kepada konsumen pada harga tertentu untuk menutupi biaya-biaya yang timbul serta mendapatkan keuntungan / profit.

Misalnya :
Misalnya ada perusahaan konveksi kaos kaki murah yang harga satu buah kaos kaki adalah Rp

Subsidized Vs Unsubsidized - Making Student Loans Simpler

Before beginning the process of acquiring financial aid, it is important to understand a few essential facts, especially when it comes to student loans. This is particularly important because more and more potential college student have to rely on so many student loans these days. To begin with, it is vital to understand the two primary kinds of student loans. There are subsidized loans and unsubsidized student loans. The two types of loans are somewhat similar, but the differences between them are key. Understanding those differences is crucial when it comes to putting together a financial aid package.

To begin with, an individual student's need for financial aid is what determines the amount of a subsidized loan. Some common subsidized loans are the Subsidized Stafford Loan and the Perkins Loan. Succinctly, a subsidized student loan does not make students pay interest while they are enrolled in college. Instead, the federal government takes care of the interest while the student is in school. This is, in fact, why they are called "subsidized loans" - while a student is in school, the government subsidizes his or her interest for the duration. Following a student's graduation, there is a grace period, and after that, the student must begin paying back both the loan(s) and the interest.

Conversely, unsubsidized loans stipulate that a student must pay back the loan's interest while he or she is attending college. That is, of course, why they are referred to as unsubsidized loans - the federal government does not subsidize any of the balance for the student. As with subsidized loans, students have a grace period immediately following their graduation from college. The main difference between subsidized loans and unsubsidized loans here is that all of the financial responsibility is solely left up to the student.

Another key difference between subsidized loans and unsubsidized loans exists in the amount a student is allowed to borrow each year. As aforementioned subsidized loans depend on an individual students need for financial aid and financial status. As such, there may be a limit to how much a subsidized loan allows any single individual.

While unsubsidized loans may also limit the amount given to any one student, their limitations are usually far lower than those for subsidized loans. In general, unsubsidized loans allow students to borrow as much as five thousand dollars more than subsidized loans offer.

In most cases, a student must be enrolled in college on a part-time basis, at least, in order to receive either a subsidized loan or an unsubsidized loan. If a student with a subsidized loan finds that he or she needs more money, he or she can certainly turn to an unsubsidized loan instead. However, that is not the only other option at all - there are many types of student aid available; these are just two of the most common kinds. There are also a variety of grants, scholarships, and private loans available if a student's subsidized or unsubsidized loan does not meet all of his or her financial aid requirements.

When Do You Need A Cosigner For Student Loan?

Cosigners are often beneficial when asking for a loan. This is just as true when it comes to student loans. Having a cosigner for a student loan can make the difference between being approved for the loan and being denied. However, many students wonder when they need a cosigner - for example, do they need one for every single loan? When, exactly, does a student need to have a cosigner? The following discusses when having a cosigner for a student loan will be the most beneficial.

It is true that quite a lot of student loans do not require a cosigner. For instance, when a student feels out the Free Application for Federal Student Aid, or FAFSA, form, the loans for which he or she is approved often do not require a cosigner. More common and popular loans such as Stafford Loans and Perkins Loans do not normally require a cosigner either. So when, then, does a cosigner become necessary?

Sometimes federal student aid is not sufficient to meet the requirements of a student's financial needs. In those such cases, the student may find that he or she needs to apply for private loans - i.e., personal student loans - in order to supplement his or her financial aid package and better meet his or her financial needs for college. It is in these cases that a cosigner is most often necessary.

If a student has to apply for personal student loans but does not meet certain requirements, such as a set, continuous rate of employment, a set credit score, or a set credit history, he or she will almost definitely require a cosigner in order to apply for the loan. If a student is unemployed with insufficient savings of his or her own, then a cosigner is also required. Private loans, particularly when they are acquired from banks and credit unions, almost always require a cosigner. Basically, any time a student does not have a good credit history or credit score, or if he or she is unemployed, then he or she will greatly benefit by having someone cosign the loan.

International students - students living outside of the United States who wishes to attend a college or university in the United States - are quite often completely out of luck when it comes to qualifying for federal student aid. However, international students can receive private loans and various other forms of non-federal financial aid if he or she has someone in the United States willing to act as a cosigner for his or her loan. In order to qualify as a cosigner in these particular cases, a person must be a United States citizen or have a green card. A good credit score is also a requirement.

If a student does not wish to have a cosigner for a student loan, then he or she should try to get the most out of federal student loans, so that having a loan cosigned is not necessary. Otherwise, it is important to understand that having a qualified cosigner can never hurt one's chances when it comes to being approved for a student loan.

Definisi Politik Hukum

Definisi dan Pengertian Politik Hukum

Berikut Ini ada beberapa definisi tentang Politik Hukum oleh beberapa ahli :

Satjipto Rahardjo: Politik Hukum adalah aktivitas untuk menentukan suatu pilihan mengenai tujuan dan cara – cara yang hendak dipakai untuk mencapai tujuan hukum dalam masyarakat.

Padmo Wahjono disetir oleh Kotam Y. Stefanus: Politik Hukum adalah kebijaksanaan penyelenggara Negara

Finding the Right College Student Loan

Are you getting ready to go to college? If so, you should be aware of the many different college student loans available today. Paying for school can be tough and sometimes you need that little extra help. With a college student loan you can achieve that goal.

Many people can find themselves still paying off college loans ten years after they graduate. This is sometimes because they didn't fully know what they were getting into when they applied for a college student loan. A college student loan has to be repaid at some point but you also end up paying the interest.

We all know education is expensive, no matter which route you choose. You might have a scholarship or grant but these alone do not always cover your college costs. This is where you might consider getting a student loan.

A scholarship or grant will pay for your tuition but what about your dorm and books and just living expenses in general? This is where a college student loan can come in handy. It can help you pay your way through college comfortably but not excessively.

There are different types of college student loans you need to be aware of. Federal Student Loans: These are loans that the government funds. These are quite popular among college students and can come with different benefits. You might get a lower interest rate, fees and flexible repayment terms.

There are other loans considered a Federal Student Loan such as: Stafford loans, Perkins loans and Sallie Mae college student loans. Many of these loans give you the option of not repaying your loan until you have completed school.

Private Student Loans: This type of loan is usually based on your credit score. The lenders that offer this type of loan have no federal tie. There are many lenders that offer private student loans such as Bank of America or Wells Fargo. These private college student loans can fill in the space between monies received from federal loans or other financial aid forms.

Bad Credit Student Loans: These help many students that have bad credit afford to go to school. You can apply for a fast student loan, loans that require no credit check or even direct loans. You might choose these options if you are worried your credit is not good enough.

Student Loan Consolidation: This is a way for students to pay their bills and loans off faster. This loan will combine every bill and leave you with one single payment.

You might look into loan forgiveness programs if you have not so perfect credit. These programs will take away all your debt in return for you volunteering in a program and even signing up for the military.

You always want to make your payments on time. Keep your account status in good standing and this will also help improve your credit score and history as well.

College student loans can be risky if not looked into with great detail. Ask any questions or concerns you might have to your lender, and always be one hundred percent sure you picked the right student loan before signing on any dotted lines. You could end up paying off your college student loan for a good twenty years after you graduate if you aren't careful.

Student Loan Consolidation Info - Tips For Repaying Student Loans

When it becomes time to repay your student loans, being aware of all of your obligations is very important. Graduating students who do not know their obligations are at risk for student loan default. When you fail to meet the terms of the promissory note you signed by not making the payments or other conditions is what causes the default to happen. By looking at your promissory note before you graduate, you can be aware of your responsibilities, before you leave school.

Upon entering your repayment period, you should make sure to send your student loan payments before they are due each month even if you do not receive a statement for it. Make sure you understand your repayment options that have been provided by your student loan lenders. Some lenders give such options as paying your loan off early by making larger payments than necessary. Also options are available to make your first monthly payments less than towards the end of the loan to make it easier for you to pay back the loan when your career is just taking off.

Get to know the terms deferment and forbearance in the event you might need to use these options. Student loan consolidations and the repayment options for it have both good and bad points to understand, so it is best to learn all you can about it.

Make sure your school and lender are always informed of where you are living. If you need to move, contact them immediately to let them know your new address. Other reasons to contact them would be if you have a question about their billing; are having trouble coming up with a payment; or if you need an application for a forbearance or need a deferment.

Open and read all of your correspondence from your student loan lender, loan holder or the company servicing your student loan. Make sure you understand what they are telling you and always respond in a timely manner if necessary.

You can always go to the financial aid office at your school if you need more information about your student loans. There are also many publications to help you get your questions answered. These are published by government agencies, lenders and scholarship granting organizations. You can find these publications and financial aid guidebooks at any local bookstore. This is another good place to start your search for the questions you need answered.

ASAL MULA BAHASA

ASAL MULA BAHASA

Apabila kita menelusuri jejak kehidupan nenek moyang manusia di muka bumi sejak lima ratus ribu tahun yang silam, kita tidak pernah menemukan bukti-bukti langsung mengenai bahasa nenek moyang kita tersebut.

Cerita dari Mesir, bahwa sekitar abad ke-17 SM Raja Mesir Psammetichus mengadakan eksperimen terhadap bayi yang dibesarkan di hutan belantara dengan pola pengasuhan yang tanpa bersentuhan dengan pemakaian bahasa apapun. Setelah berusia dua tahun, bayi tersebut dilaporkan oleh pengasuh suruhan istana dapat mengucapkan kata pertamanya “becos” yang berarti “roti”, dalam bahasa Phrygia (bahasa Mesir kuno). Dan cerita ini, banyak orang Mesir yang mempercayai bahwa bahasa Mesirlah yang merupakan bahasa yang pertama dikuasai manusia, sekaligus diklaim sebagai bahasa yang pertama kali ada di muka bumi.

Dalam versi yang lain lagi, Goropus Becanus, seorang bangsa Belanda, mengemukakan pendapat bahwa bahasa yang dipergunakan oleh Adam adalah bahasa Belanda. Seorang filsuf Jerman, Leibniz mengemukakan pandangan bahwa semua bahas di dunia berasal dari bahasa Proto. Namun, baik pendapat Kemke, Goropus, maupun pendapat Leibniz tidak didukung oleh bukti bukti yang sahih, sehingga pendapat mereka dianggap sebagai hasil rekayasa imajinasi belaka.

Dengan kata lain, dari uraian tersebut dapat disimpulkan bahwa upaya manusia yang pertama kali dalam menelusuni asal mula bahasa lebih bernuansa mitos karena tidak berdasar pada fakta dan teori yang dapat dipertanggungjawabkan secara ilmiah.

Terdapat beberapa teori yang ada, bahwa bahasa bersumber dari Tuhan, bunyi alam, isyarat lisan, dan teori yang mendasarkan pada kemampuan manusia secara fisiologis.

Menurut pandangan yang menyebutkan bahwa bahasa bersumber dari Tuhan. Dalam kitab suci agama Islam misalnyaf disebutkan bahwa Adam sebagai manusia pertama yang diciptakan oleh Allah dengan berbagai kemampuan yang dibekalkan kepadanya, termasuk kemampuan berbahasa (Q.S. Al Baqarah: 31 dan Q.S. Ar-Rum: 22).

Akan tetapi, lain lagi jika menurut kisah ‘Kejadian’ (Injil, Kejadian 2:19) bahwa manusia diciptakan dalam imajinasi Tuhan dan kemampuan bahasa merupakan salah satu dari sifat manusia.

Dalam kebanyakan agama diyakini bahwa Tuhan melengkapi penciptaan manusia dengan bahasa. Namun, berbagai kisah dalam agama-agama itu belum membantu untuk mengetahui dan mengungkap apa sesungguhnya bahasa, serta bagaimana manusia memulai penggunaan bahasa.

Dalam pandangan beberapa aliran agama, sebut saja aliran kepercayaan yang dianut masyarakat Baduy di daerah Banten Selatan (Provinsi Banten), diyakini bahwa nenek moyang mereka adalah cikal bakal manusia di dunia dan bahasa yang digunakan oleh nenek moyang mereka itu adalah bahasa Sunda seperti yang mereka gunakan saat sekarang.

Pandangan lain tentang asal mula bahasa ini didasarkan pada konsep bunyi-bunyi alam. Salah seorang filsuf Yunani yang bemama Socrates, menyatakan bahwa onomatopea atau peniruam bunyi-bunyi alam merupakan dasar asal mula bahasa dan merupakan alasan mengapa nama “yang benar” dapat ditemukan untuk benda-benda yang dapat menghasilkan bunyi. Menurut pandangan ini, kata-kata yang paling sederhana dapat merupakan tiruan bunyi alam yang didengar manusia dan lingkungannya.

Sejalah dengan pandangan Socrates, Max Mueller (1825-1900) seorang bangsa Jerman mengemukakan Dingdong Theory atau Nativistic Theory yang meyakini bahwa bahasa timbul secara alamiah karena manusia mempunyai insting yang istimewa untuk mengeluarkan ekspresi ujaran bagi setiap pesan yang datang dari luar termasuk dalam meniru bunyi-bunyi alam.

Teori lain yang disebut Teori Bow-bow atau Echoic Theory menjelaskan bahwa bahasa manusia merupakan tiruan bahasa alam, misalnya suara halilintar, kicauan burung, bunyi hujan, bunyi gesekan daun, dan bunyi-bunyi lainnya akan merupakan sumber bahasa.

Teori-teori yang dikemakakan Socrates, Max Mueller, dan Teori Bow-bow ternyata mendapat banyak kritik, karena teori-teori tersebut tidak dapat membuktikan semua ‘kata’ dapat dihubungkan dengan bunyi-bunyi alam.

Suara yang sama seringkali ditafsirkan secara berbeda-beda oleh orang-orang yang berlainan, misalnya dalam menirukan suara kokok ayam jantan, orang Jawa menyebutnya “kukuruyuk”, orang Sunda menyebut kongkorongok’, orang Prancis dan Spanyol menyebut “cocorico”, orang Cina menyebut “wang-wang”, sedangkan orang Inggris menyebut “cock a doodle do”.

Teori yang lain adalah Teori Interjeksi (Interjection Theory) atau Teori Pooh-pooh yang berpandangan bahwa bahasa manusia berasal dari dorongan dan ungkapan emosi, misalnya rasa sakit, takut, senang, marah, atau sedih. Menurut teori ini, bunyi “ha... ha...” timbul karena dorongan rasa gembira, bunyi “uuh. .“ timbul karena rasa sakit, bunyi “wow...” muncul karena rasa kaget.

Pada abad ke-19, Darwin menyodorkan hipotesis bahwa bahasa lahir karena menirukan isyarat-isyarat yang dilakukan anggota tubuh yang lain. Menurut teori ini pula bahwa isyarat fisik dapat menjadi cara untuk menunjukkan serangkaian makna.

Selain teoni-teori sebagaimana dijelaskan di atas, masih ada teori lain mengenai asal mula bahasa dengan fokus pada aspek-aspek fisik manusia yang tidak dimiliki oleh makhluk lain.

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