Like all banking prestige products, inexpressive student loans are only available on prosperous completion of a check of the applicant's prestige worthiness based on their prestige history. Your prestige history is built up over time based on how reliably you pay off any prestige that you take out. prestige that counts towards this includes all from your cellphone contract through to a mortgage. A bad prestige history, with a lot of late or missing payments and even defaults, shows a bank that giving you prestige would be a high risk.

However, what can also indicate too much risk to a bank when it comes to lending money, is if you simply don't have much of a prestige history at all. This is the case for a lot of habitancy going off to college - they simply aren't old enough to have built up a prestige history yet enough to convince a bank to lend. And yet, often, they are in desperate need of finance to put them through school. So, if you are in this situation, where are the bad prestige student loans?

Student school loan

Essentially, you have two options. You can either try and get a federal student loan, such as a Stafford loan or, if you can demonstrate a essential level of financial hardship compared with other students a Perkins loan, which has the lowest rate of interest of all federal student loan offerings. For federal student loans there is no prestige check, so if you have no prestige history or your prestige history is even nothing else but bad, this won't sway either or not you are awarded the loan.

If these don't offer enough funding or you fail to get one, your other selection is to apply for a inexpressive student loan with a prestige worthy cosigner, so that together you can pass the prestige check. A lot of habitancy use their parents for this, but your cosigner can nothing else but be anyone who can pass the prestige check and is willing to accept accountability for your loan with you. Your cosigner needs to fully understand that they are taking on liability for the loan with you, and that if you fail to pay it back it will have serious negative consequences for them - they will either have to pay off the debt themselves or, if they can't, it will have a very serious impact on their own prestige rating, and they may be at risk of being sued.

Essentially, there are no other options if you need a student loan now and don't have the prestige history. There are products such as starter prestige cards designed to help build your prestige rating, but these methods do take time, and if you need funding now then you either need to find a cosigner or fill in and submit the Fafsa and try and get federal loans.

Many habitancy find they need to take out both federal and inexpressive loans over the policy of their college career, so be aware that this is something that may come up even if it doesn't yet, and have a conversation with your parents or other trusted habitancy about their inherent willingness to cosign with you ahead of time if you can, so you know if that is an option.

Bad credit learner Loans: Options ready To You

READ MORE - Bad credit learner Loans: Options ready To You

Adobe Education Exchange is a great resource for educators, with resources, lesson ideas, lesson plans, and a place to collaborate with other educators.


They are sponsoring a contest for educators - The 2011 Educator's Choice Awards. Any educator can enter. You submit your innovative teaching and learning materials and you could win some really nice prizes. Submit  your projects, lesson plans, curricula, tutorials, and more. Educators will rate the work submitted. There are four categories: Primary/Secondary Cross-Curricular, Primary/Secondary Digital Arts and Media, Higher Education Cross-Curricular, Higher Education Digital Arts and Media.

Complete rules and prizes are available on the contest site. Submission period ends October 14th.

You can even go to the site and check out other lessons for ideas for your submission, or just get ideas to use in your classroom. Check it out. You will share your great idea with other educators and have a chance to win a great prize.

You can also follow information about the contest using this hashtag on Twitter: #AdobeEduAwards

There are some great projects already submitted. Take some time to look around the site, vote on your favorite projects, get some ideas for your own classroom, and even enter the contest yourself.

Here are some examples of projects:

A Photo's Worth A Thousand Lesson Plans - Science & Technology presentation on incorporating the digital camera as a child-centered tool in the classroom. Please mind the quality and some cuts in the audio as it was recorded live

Fossils - This animated presentation shows how organisms become fossilized and describes the different kinds of fossils

The Salem Witchcraft Site - The Salem Witchcraft Site provides an interactive exploration of the Salem witchcraft outbreak of 1692.

Titration of Acids and Bases - Molecular Theory Game - Have you ever wondered what a titration actually looks like at the molecular level? In this game, you will shoot titrant molecules at the sample molecules to see how molecular changes affect the titration curve.



There are some really great lesson ideas and projects on here. Check them out and vote for the best!

READ MORE - Check out and rate some great projects at the Adobe Education Exchange contest

Wire Bridge at Fairmount (aka Spring Garden Street Bridge, Ellet Suspension Bridge, aka Fairmount Bridge)

How fucking cool was this thing?

                       It's hard to believe that there was once a time when spanning over a river as thin as the Schuylkill was considered a great feat of engineering. This bridge is from that time. The Wire Bridge at Fairmount was the first wire suspension bridge in America. It all began with one of the greatest badasses of the 19th Century.
                      Charles Ellet was born and raised in Bucks County. He studied engineering in France (he was the first American to study engineering in Europe) and became obsessed with the then-futuristic idea of a large-scale suspension bridge (smaller suspension bridges were around back then but they sucked). When he finished school, he returned to America with the intention of getting a new-fangled large-scale suspension bridge built.
                  He first went to Washington, DC and proposed a suspension bridge over the Potomac. Back then that was like proposing a bridge to the International Space Station. He got laughed out of town. In 1841, however,  Ellet was commissioned by the City of Philadelphia to design a 398-foot pedestrian bridge that would cross the Schuylkill River from the Water Works to Bridge Street in West Philly (now Spring Garden Street), replacing the beat-up old wooden bridge that was currently there (that bridge in itself has a cool history).
                  Ellet had a crazy idea. He would design a suspension bridge that was held up by high-tension wires. This would allow a much longer and wider bridge than other early suspension bridges, which were held up by chains. It would be able to hold much more weight, which would help the bridge stay useful for a longer time. Ellet was the top engineer in the nation.. he knew that much heavier vehicles would one day be built.
                 People were gonna flip their shit once they saw this thing. The Wire Bridge at Fairmount opened on January 1st, 1842 to massive fanfare and the first ever New Year's parade in Philadelphia, a city that likes its New Year's parades. The bridge became an instant landmark.

It was a big fucking deal at the time.

                        The success of the Fairmount Bridge caused other cities to shit themselves and beg Ellet to build them suspension bridges in areas that were once considered impossible to cross. By 1848, Ellet was building the two longest bridges in the world and at the same time. American bridge-building began to surpass Europe and the age of the suspension bridge was born.          
                 Ellet was such a continuously-achieving 65th Level Badass that he ended up becoming a Civil War hero on top of all of his other accomplishments. He was commissioned by the Secretary of War (they didn't have pussy names like "Secretary of Defense back then, it was Secretary of WAR) to use his engineering prowess to convert common tugboats into war machines.

Ellet-Class Fuck You boat.

                       As an added bonus, he would be given the rank of Colonel and command one of the kill-boats! Ellet was actually pretty good at warring but ended up getting killed by wounds inflicted during the Battle of Memphis. He was such an incredibly huge dick-swinging engineer/colonel/father of suspension bridges that the U.S. Navy named a Destroyer after him in 1939 that saw a shitload of action during World War II.

U.S.S Ellet, DD-398. Do you have a Destroyer named after you? Didn't think so.

                   The Wire Bridge at Fairmount was already recognized at the most important bridge of it's time when it was demolished in 1874. It's ability to handle a large amount of weight kept it in service even after early trolleys became common. It would probably be able to handle a decent load of cars if it was still around today. One of Ellet's later bridges still stands and handles normal vehicular traffic.

The Fairmount Bridge in its final years.

                     The city wouldn't have another suspension bridge until the Ben Franklin Bridge in 1926. Another, the Walt Whitman bridge, would be built 24 years later. Are there any suspension bridges in Philly's future? Probably not for a long fucking time... the BFB and the Walt Whitman have a good 100 years left in 'em if they're properly maintained.
                    The only hope we have is an old Master Plan for the University of Pennsylvania from 2006. One of the renderings shows a cable-stay type suspension pedestrian bridge. If built, this would be the true successor to the Wire Bridge at Fairmount due to it's crossing of the same river and being in use for the same purpose (pedestrians). This plan is pretty much dead but if Penn had any balls they could make it happen. Do it, you fucks!

NOW!

READ MORE - Lost Bridge of the Week-- August 31st

Non profit enterprises and private financial organizations are the federal institutions that offer loans to students. The offered amount will help students to pay for their tuition, their books, their accommodation and any other school related expenses.

In many cases, the amount can hardly cover the entire amount for the education forcing the student to ask private institutions for loans. Before granting the loan the company checks the credit score for each student.

For the students that attend medical courses, the federal loan might not be enough to cover all the expenses. That's why many private institutions offer financial assistance for the remaining amount. The loan conditions required by the private companies are not that drastic and they accept almost everyone including the individuals with bad credit history.

The private student loan is basically the same thing as any government student loans and the private institutions offer almost the same rate interest as the credit card companies. In other words, you should ask for a private student loan only if you ran out of any other options.

Many people choose to ask private players for help because they offer attractive and flexible plans such as: the Stafford loans or the PLUS loans. The private loan is famous for its various types of interests.

If you ask for a certain amount using a federal loan, you will have to pay it back in 10 years tops but with a private loan you can prolong this period to 25 years. This helps the parents with the payments because once the student graduates he'll help paying back the loan.

When the private institutions consider a bad credit student loan, they are very careful about:

- the student's credit score

- the parent's credit score

- the student's legal background.

Once they clarify all these aspects, they establish the debt details and the repayment schedule.

Just in case the borrower doesn't repay the amount, the private institutions will ask for a cosigner to assume the financial responsibilities.

READ MORE - Bad Credit Private Student Loans - Why Do You Need Private Student Loan Consolidation?

Every year, millions of students from all across the planet flock to distant land in pursuit of higher education, but only a few get through the modern educational system that can be easily considered a challenging feet. Fortunately, students that are left out in the race can easily pursue the courses except within online colleges such as Ashford University. Sometimes, pursuing distant education can cause home sickness and depression to develop especially among students who are emotionally attached to their homeland. Studying under such circumstances can not only be challenging, but it can easily hamper student’s examination results. However, with the aid of online degree programs, students get the liberty of studying their course of choice from the comforts of their home.

Traditionally, online degree programs were only restricted to a few study departments those literally held back students from tacking up online education. But now with colleges such as Virginia and Ashford University making inroads into student based study programs, students can have diverse subjects and degree courses at their disposal. Most importantly, online universities do value the aspect of catering a versatile teaching staff mainly due to the availability of wide range of online degree programs.

Making an application for an online degree course is no big deal. In fact, most online universities do cater dedicated online help teams on standby who can be approached at any given time. To register, students need to fill in a few personal details along with their degree selection of choice. The greatest perk about online studies is that students are actually allowed to take up multiple online degree programs if they wish to. Unlike land based educational institutes where once a degree courses is selected there is simply no chance of backing out, but online universities such as Ashford University do offer students the choice of opting out of degree courses in lieu of other ones in the midst of a running semester.  Students also get to choose their own online study sessions, whilst study references and vital notes are delivered to registered email accounts and instant messengers after every study session. This basically guarantees students to acquire vital study notes even on their absence.

With land educational qualification parameters becoming even more stringent with every passing day, students really don’t see any respite of getting into popular laden based universities simply based upon their grades. Luckily, online universities such as Virginia and Ashford University have no such grade barriers holding students back from applying. However, only a few specialized online degree programs require students to clear certain entrance tests. Contrasting to the typical degree courses, such specialized study programs demand knowledge upon certain subjects for students to do well. Nevertheless, students are mostly bothered about the day to day degree courses that in all honesty fetch the best jobs.

Online study programs have indeed evolved as they invariably present students the possibility of acquire high profile jobs at the completion of their final semesters. Students invariably end up getting selected either via online campus interviews or through online job examinations.

READ MORE - Building Careers Out of Online Degree Programs

A trainee loan payment can be deferred or cancelled altogether, did you know this? If you have been ill or have not been able to get a job, there are ways you can have them deferred or cancelled. What you cannot do is default on the payment.

Sometimes the situation is temporary and so you can apply for a prolongation of payment or just to lower the estimate you have to pay. The duration when you are granted this relief is called deferment or forbearance. What is the inequity in the middle of the two? The government will pay the interest on deferment whereas for forbearance, the interest will continue to accrue.

Student deferred loans

That is why you have to learn about the options before defaulting on the trainee loan payment. Otherwise, the ramifications are negative. Not only will defaulting damage your credit, but it will also growth your loan a lot because the variety fees are added to it. In some cases they can even ornamentation your paycheck and take your tax refund.

So what are the trainee loan payment options if you are not able to meet the monthly obligation? You can apply to postpone payment straight through forbearance and deferment or have it altogether eliminated straight through cancellation of the loan. You can also have the loan discharged straight through bankruptcy. And there are other options as well.

For now, let us see how to go about applying for deferment or forbearance. A deferment will allow you not to make a trainee loan payment for a definite duration of time. This is commonly granted when you are going back to school, or being unemployed or in financial difficulty.

You are great for a deferment if you have not defaulted your trainee loan payment or is under the grace duration which means you are within six months from graduation. an additional one point that will help is if you have been granted a forbearance or a deferment before. How do you get this? perceive loan owner and request for the acceptable form.

The reasons for which you are granted a forbearance are unexpected personal problems, ill health, monthly payment is more than 20% of the wage and inability to pay within the maximum term which is commonly 10 years. To apply, perceive the owner of the loan and construe the situation and they will furnish you with a form to fill out. Usually, the forbearance is granted one year at a time.

Student loans can also be discharged straight through bankruptcy. You have to prove to the court the severe hardship you are undergoing based on your wage and expenses and how long it will take to get out of the situation you are in. You have to show them to how hard you tried to pay your debt.

Now let us go to the best part which is how to cancel your trainee loan payment. As for other cancellations, there are conditions under which this can be done. They are listed below but tread considered as some conditions are just for deferment or cancellation or for both.

If you are constantly disabled, you can cancel your loan.

After your death, the one who is working on your last papers can also apply to cancel your debt.

If you or your dependents and spouse get temporarily disabled, then you can apply for deferment for up to three years on loans made before July 1, 1993.

You can also apply for deferment for loans made after June, 30 2009 if you are unemployed or undergoing economic hardship. The same is true if you are enrolled in a resumption program.

If you are teaching needy people or a member of a uniformed service, cancel or defer payments.

If you are enrolled half time learning at an convention of learning, you can defer payment.

If you are providing service other than teaching, to needy people or working as law promulgation person, you can cancel some older Perkins loans.

You can also cancel your loan if you have been a victim of identity theft with the signature forged on loan application or attended a trade school that concluded before you concluded the schedule or officials falsely certified you will benefit from signing up.

Doing society service or working as nurse or doctor during residency can qualify you to cancel or defer payments.

Those who withdrew from school and did not get a reimbursement and concluded only 60% of the procedure can have their loan cancelled up to the reimbursement estimate along with the with interest and fees.

The Congress also added an further condition that will allow relatives of eligible social servants or victims of the September 11 to cancel or defer loans.

There you have the data on how to cancel or defer your school loans. You may not be able to get all but getting rid of a measure will be a help. So call the loan owner or the Federal trainee Office at 1-800-621-3115 or go to http://www.ed.gov/offices/Osfap/Dcs/index.html. Who knows, you may be able to cancel or defer your trainee loan payment.

trainee Loan cost - Here's How to Postpone Or Cancel It

READ MORE - trainee Loan cost - Here's How to Postpone Or Cancel It

However, if a student does, the expected monthly payment must be made ​​no payment at all for 6 months or more, then the student has a delinquent student loans.

Some characteristics of student loans with default settings

The previous paragraph suggests that a period of 6 months without the payment is in the category of student loans student loan defaulters.

Suppose that one of these six months is February. TheStudents> loan in default if payment is not made ​​within a period of 180 days.

Suppose a student loan payments is usually her month. In this case, the duration of the period of non-payment required before the loan was in default?

Charged if payments are made ​​every two months, then the failure of a debtor's student loan would be 240 days of the student is in the file with the rest ofStudent loan problem.

What happens if a student loan in default?

If a student does not make the required payments, and if his loan as one of the many student loans, which is marked every kind has occurred by default, means that students do not need an army of FBI agents his way of. fear

The lender of the loan, you must use "due diligence". The provider must contact groped Borrowers.

Once the lender has contacted the borrower, the lender will decide how to proceed.

If the borrower does not seem ready to move to a new payment plan, the borrower usually gives the loan, or a guarantee agency or the U.S. Department of Education.

Once the loan is an agency of the guarantee is given, then the creditor is entitled to a lump sum payment on the loan application.

Consequences if you default on your > Student Loan

If a student loan goes into default, the borrower's credit rating suffers. The IRS could deny the tax money of the borrower.

Sometimes, the borrower finds out that his wages have been designed to meet the loan payments.

A student may be exempt from these effects if he or she were to become disabled. In this case, the loan is removed from the files of the failed > Loans. The loan would then be canceled.

When the students were able to show a loan that the school does not in fact his ability to pursue the school based certified training program, so it could be the cancellation of student loan.

If a school closes while a student with money of the loan was a student of this school, then students could return to the cancellation> Loans.

If a student has requested the cancellation of a loan, and if this application is approved, the student loan is then removed from the file of student loans failed.

READ MORE - Unusual student loans - Special loans are out there

Phoenix Rising  by Emlen Etting

Dilworth Plaza Trench

Oh, that's where I left my booger-filled metal handkerchief!

                   Goddamn, this thing is a piece of shit. Why this? This is a metal sculpture that uglies-up the already nasty Dilworth Plaza. Not even really the plaza, the shitty trench that opens up to the underground homeless catacomb that surrounds it. It looks like butt all the time but it really looks like ass when seen from the side or from street level.

The BNY Mellon Center is back there looking down upon Phoenix Rising in shame.

                      Hey, I like public art and I usually like the artist, Emlen Etting, but this is one big and public fucking mistake. What's worse is that some people love this fucking thing. There's a blog dedicated to it here. Needless to say, there will definitely be some folks who think I'm an asshole for not loving this paper airplane plane crash. Emlen Etting was a Philaphile and actually quite a badass painter. He should have just stayed out of the sculpture business, I guess.

...and he was so prolific, even I have one of his paintings!

                   It all started when Mayor Richardson Dilworth died in 1974.  The public park/concrete tomb of bumshit being assembled next to City Hall was in process and City Council thought it would be appropriate to name the place after Dilworth. Frank Rizzo was mayor at the time and wasn't a Dilworth fan. When the dedication rolled around in 1977, Rizzo didn't even bother to show up and invitations were not sent to Dilworth's friends or family.
                  Joseph Stratos, a friend of Dilworth's, was pissed at the shitty job the Rizzo administration did of memorializing the former mayor. He spent five years putting together the appropriate ceremony, creating the Richardson Dilworth Memorial Committee and raising the $40,000 (!!!!!!!!!) necessary to construct Phoenix Rising. The memorial finally took place in 1982 and the unveiling of this aluminum kleenex was the centerpiece. Ever since then, this piece of shit has been collecting bird poop and other generalized nasty for the last 29 years.
                It's ironic that this sculpture is supposed to represent Philadelphia as a phoenix rising from urban decay. This thing is literally surrounded with the worst kind of urban decay... a smelly dirty crumbling partially submerged cement castle surrounded by deafening noises that was designed to be a serene public space. It even has plants growing out of the bottom of the pedestal, attempting to pull down the structure despite the trash strewn throughout.

Go plants go!

                      When Dilworth Plaza is destroyed and rebuilt in the coming year(or nine), Phoenix Rising will be moved to a new unknown location. I think they should keep it in the new Dilworth Plaza but with a small add-on to symbolize Dilworth rising up to introduce the city to the his new memorial. Here's my design for it:

Dilworth Plaza in 2020.

                       This sculpture pays tribute to the original by using the art of a great painter that isn't a sculptor to execute the plan. This time, the message of Philadelphia rising out of urban decay is much more clear. It would be called Phoenix Rising and Then Turning Into the Guy on the Cover of Manowar Albums. 
                     Joseph Stratos was right. Dilworth should have an appropriate memorial. A fucked up cement plaza and a crappy metal handkerchief is not it... many modern Philadelphians have no idea who the fuck Dilworth is and how he successfully spun Philadelphia into the city that most take for granted today. A giant depiction of him bursting out of his plaza with a sword and a hammer in each hand with lightning bolts and shit would make people pay attention and appreciate who Dilworth was.     

READ MORE - Butt-Fugly Public Art of the Week-- August 30th

When anyone suggests that we not teach evolution in school, he is suggesting that we not teach biology, and in a broader sense, science.

So let's be more frank about the discussion--do we teach science, or something else pretending to be science (which reduces science to superstition), or skip the whole thing entirely?

(And no, technology doesn't count--I can teach a child how to put together an automobile without her understanding much about combustion or friction or the basic laws of Newtonian physics.)

READ MORE - Intelligent curriculum design?

Gate 2012 Application Submission Process
Are you gona be a IIT-ian,Gate candidate now ?

You have to know this informations,because lot of friends asks , How to apply for Gate ? ,Where to find Gates application submission process ?

Answer is here,
Application Submission Process

a) Candidates need to apply/register ONLINE for GATE 2012. Application process for GATE 2012 is entirely ONLINE, and sale of application forms through banks / GATE office counters has been discontinued.
Details for applying ONLINE are available on the websites of IISc and the seven IITs as given below in table

Websites of IISc and IITs

b) The application fee is Rs.1000/- for General/OBC Category candidates and Rs.500/- for SC/ST/PD* Category candidates. The application fee is non- refundable.
Via
Have anymore Query? drop your comments !

READ MORE - GATE 2012 - Application Submission Process Details How to submit

Gate 2012 - Guide
Gate 2012 exam notifications has been recently announced officially by the board.since then there has been a lot of hype and trends coming out for knowing various informations regarding Gate 2012 .

If you're going to apply for Gate , you have to go through the hardcore steps of gathering more knowl.

Gate Questions Pattern
Know ,the Questions pattern and marking of gate 2012 ,herd is the link given below .
Gate 2012 Question Pattern.

Know more about Gate Exams,here.if you have any query,do drop your comments,below.nd marking of gate 2012 ,herd is the link given below .
Gate 2012 Question Pattern.

Know more about Gate Exams,here.if you have any query,do drop your comments,below.

READ MORE -

RRB final Results 2011
Railway Recruitment Board
(RRB) Secunderabad
has now published
the recruitment results of Assistant Station Master and Assistant Loco Pilot posts.
Recently RRB Secunderabad results are officially declared on its official website for different posts,
Assistant Station Master Cat. No.01 of E.N.No.03/2010 (CEN) and final results for the post of Assistant Loco Pilot Cat. No.01 of E.N.No.01/2010 (CEN).

Get RRB Results
2011:
http://rrbsec.org/ results.jsp

Have Query? post via comments. . .

READ MORE - RRB Final Results 2011 - Railway Recruitment Board result

While you're trying to get a college education, pupil loans can seem like a huge bonus, but once you are out of college, you'll face the refund on all those loans that you have taken out during your years of school. If you're overwhelmed with your college loans, then you may be wondering if a consolidation loan is right for you. However, there are many things to consider before you take this route.

One of the big questions population have when it comes to consolidating loans is either or not pupil loans can be refinanced after consolidation. Well, while the actual consolidation loan cannot be indeed refinanced, you are able to concentrate a consolidation loan, but this can only be done once.

Student school loan

If you are going to concentrate the consolidation loan you already have, the only way you are able to do this is by adding on new loans that you have not consolidated. Two distinct consolidation loans can also be consolidated into just one loan, but you cannot just refinance it on it's own.

Even if you do a reconsolidation, it doesn't mean that the rates on your former loan are going to be relocked. A extra midpoint interest rate recipe that is weighted is used to form out the interest rate.

If you are trying to work on consolidating your current pupil loans and you think you may want to switch lenders in the future, then you may want to exclude one of the loans you have from this new loan. This way, if you think you want to go to a distinct lender and reconsolidate, you have the choice ready to do that.

Can You Refinance student Loans After Consolidation?

READ MORE - Can You Refinance student Loans After Consolidation?

Performance is ultimately what really matters. Federal Student Loan forgiveness is an interesting concept for students only under certain circumstances. It means the loan amount received by students in half or in whole may be canceled by the federal government. It is not impossible and depends entirely on job performance. If one of these special students, who want to be want to be a recipient of Federal> Student Loan forgiveness, then act for the better.

You just have to show your performance as follows:

1 Organization and implementation of voluntary activities

2 Organisation and conduct of military service

3 To teach / preach / practice of medicine in selected communities

4 Make a thorough research and meet other criteria set by the loan forgiveness programs

When the volunteer is forgiveness loan led Ameri-Corps, where Students must serve for an entire year receive scholarships and additional amounts that can be used for the loan. In another organization, the Peace Corps volunteers can specifically request the deferral of the variety of loans such as Stafford and Perkins loan loan consolidation loans with a partial lifting Perkins. This dream can be true only in the lives of students if it can be used with a difference and really devote their time to work.

> Students who are in the military, even a mark on the lives of others and at the same time, contributions to federal Student Loan forgiveness. Students who are under arms, so right for the program to repay student loans. In the case of a doctrine of federal student loan forgiveness program may be made ​​only if the students can be full-time teacher in elementary or secondary schools, in particular the teaching Students, extending the low income group family. Under this scheme, the curriculum will allow students, Perkins loans under the National Defense Education Act will be assigned. In the legal field, many law schools forgive the loans of students who are committed to serve the public interest or non-profitable organizations. Federal student loan forgiveness programs for medical students, different levels such as the NIH AIDS Research> Refund Loan Program, Research Program NIH Loan Repayment General, Indian Health Service [HIS] Loan Repayment Program and the U.S. Force, Army and Navy for the financial support program. In each of these plans should the student work faithfully, if they want their loans to be forgiven.

In addition to these fields, there are other occasions when the Federal Student Loan Forgiveness Program has happened. Degree in these fields areCollege of Arts and Sciences, where the student performs the required work in the institutions. Michael Murphy Student loan received specifically for the study of law enforcement, probation and parole, law and criminal law, or other important areas related these studies, the work out of a federal regime in the fifth year student loan forgiveness for students.

Therefore, the Federal Student Loan Forgiveness Program applies whenstudents, the following activities:

1 Run belong full-time/partial service as a teacher in some school students / recognized elementary or secondary education with a low family income.

2 Play the role of teachers for children who suffer from some type of disability

3 Qualified professional teachers includes topics such as math, science, foreign languages, bilingual education

4 Play the role ofEmployees of public or nonprofit child / family service agency providing services to high-risk children and their families

Do any of these activities for your state credit for the acquisition of the Federal student loan forgiveness.

READ MORE - Federal Student Loan Forgiveness

?!?!?!?!?!?!??????????????

104-106 South 8th Street

Look at this sexy old bitch-bastard.

                 Sometimes there's an awesome-looking building that preserves itself by going completely unnoticed for decades. This is one of 'em... a beautiful old building from an earlier age that has managed not to get torn down or fall over in the last 125 years by some leap of fate. Ok, so it lost one of its little horns at the top. Nonetheless, this thing is a survivor. This Fortress of Fist Surfing was from a time when even the crappiest business or organization was expected to build an impenetrable stone and brick fortress with kickass shit all over the top.
                The only problem is this... I can't figure out where the hell this building came from. How did this awesome-looking Castle of Cock Cannons go so unnoticed for so long? What was the fuck it is and what the fuck was it? Sure, I can find the names of its current owners and property tax info, but what good is that? I can't find any definitive shit about the history of this building, but I'll tell you what kind of circumspect shit I've found.  
               First of all it says "JM" at the top with sunrays bursting all over the place. Does that mean John MacArthur, Jr, designer of City fucking Hall? The crown of this beast does bare a slight resemblance to the one on a long lost Jewish temple that MacArthur designed. If this is a MacArthur, it's different than most of the shit that he's done, except that many of his designs seem to be in different styles.

It looks like someone cemented over the name of this building!

                      The patterns and colors are almost Furnessian. Furness had a shitload of students and competitors that copied off of his shit so it's hard to say if it's by one of his proteges, one of his collaborators, one of his enemies, or him! Then there's that shit at the bottom. Was that original to the structure or was it an alteration? Here's a picture of it from 1963:

Yup.

              The second horn is still there and the frilly shit at the top extends all the way between the two horns. Other than that, it pretty much looks exactly the same. Here it is from an aerial photo in 1931:

What are yoU!?!?!

                 There seems to be some kind of rounded piece that went between the two horns. As far as acual data about this beast, the most recent info I have is over 100 years old. Bornot Inc., a dye company, got inspected at this address in 1902, but they sure as fuck didn't build the building. They had factories and warehouses all over the country and invented a new kind of dyeing-related machine in the !?!?!?!?!?!?!??? building.
              American District Telegraph Company ran a branch office out of this building in 1888, but they couldn't have built the structure. They had their main Philadelphia office in the Betz Building at the time. It doesn't make sense to have their HQ there and build an expensive-ass stone and brick supercastle six blocks away just for a shitty branch office.
              They used it as a telegraph receiving center connected to hundreds of stores and homes that could contact them in the event of an emergency or break-in. The company in another form does the same type of shit now, except they just call themselves ADT.

Crappy picture of it from 1895. Was ADT in there at this point? There's that round piece between the horns again!

                    So who the fuck built this thing and why? I don't know for sure. One account I found had this labeled has the publishing address of a newspaper called the Keystone Good Templar. That newspaper was produced by the International Order of Good Templars' Grand Lodge of Pennsylvania. Could this building be the Grand Lodge? Is it possible? It would explain why its so ornate and shit. If so, when did they build it and who was the architect? What a pisser!

The IOGT is still around. I wonder if they have records about this shit?

                  At this point, I have no idea who could have conceived and built this thing, but I'm pretty happy that they did. I really thought of scrapping this whole article and writing about some other old building that's easier to find shit out about.. but this thing kept bothering me. This fucknugget is cool... its gone so unnoticed over the years that it deserves to be brought back into the light. The only glimmer of hope I have for this motherfucker is that it does indeed have a file at the Philadelphia Historical Commission. There's bound to be some info in there.
           If you know the truth about this building or think I'm an asshole for not knowing, contact me at rhaandarite@gmail.com so we can put this shit to rest.

Pretend this is the side of a milk carton.

 AND THE ANSWAH IS!!!!

                      Hello, this is John McLaughlin and now your reading this in my voice! And the answah is...its the Annex to an old newspaypah building, the Times Building (a futcha Lost Building of the Week) and was built in 1878. The ahh-chitect was the firm of Hazlehurst and Huckel. The contractah that built it was Allen B. Rorke. BYE BYE!!

                     *Special thanks goes out to Philaphile Walter Rice for pushing me into the right direction! 

READ MORE - Mystery Building of the Week-- August 29th

Most of us want to desist college. Typically, parents are the ones responsible for sending their children to college. But sometimes, finances can be tough. Some students who are not financially well-off are concerned about finishing their college education. Manufacture it straight through college is very expensive. There are lots of expenses like tuition, books, discount and others. You're very lucky if there are population who will retain you all the way. How about those students who can't afford college education? Good thing, there are lots of student loans ready from dissimilar lending companies. Borrowing is what most students do when they are in dire need of cash to pay off expenses.

They depend mostly on loans in order to get their degree. However, there are lots of student loans ready around. You can either select from inexpressive and government loans. If you are reasoning of going to a inexpressive lending company, you great select Acs student loan. Acs student loan is managed by Affiliated Computer Services Inc. Which is well-known for outsourcing technology and firm solutions. It is getting popular among students in U.S. Because of its ease and flexibility. With the use of technology, application is much easier and faster. You can just visit their site and process your application online.

Student deferred loans

Necessary data will be asked from and you will just have to fill in the data. There is also a sample application form where it can be used as a basis in filling out the Free Application for Federal student Aid (Fafsa) form. The application form will resolve if you're considerable for financial aid offered by the company. What makes it fascinating to students are the features of the loan. One can authentically check the status of the loan, make online payments and change personal information. Practically all the procedures are done online. The monthly cost can also be processed online.

You will receive an email declaration upon processing of your payment. That would be very convenient on your part. You don't have to go to the place of firm of the lending firm if you want to pay. With just a click in your computer, processing will be completed. In Acs student loan, you will also learn more about loan consolidation. If you're already in huge debt, you can merge it. The Acs' website will inform you of the benefits of debt consolidation. It also provides application form which can help you cut your monthly payment. There are also varied financial aid programs under the Acs family like Campus Based student Loan Program, Plus loans, Federal family education Loan Program, Nursing student Loans and many more.

You have the option on what loan to avail which is convenient to your need. The Acs student loans are somewhat similar to government student loans in terms of flexibility in application, repayment and consolidation. A loan calculator is also included in the Acs service. You will reap similar benefits from others like benefits of deferred payment, lower fixed interest rate, deferred interest, and tax deductible. The Acs student loan is plainly all that you wish for a student loan.

Acs pupil Loan Offers all You Need

READ MORE - Acs pupil Loan Offers all You Need

I could be a Rastafarian, a witch, or a Hindu. Maybe I'm a Jainist, a Buddhist, or a Scientologist. I might worship the sun, the moon, or maybe even both.
'

As a science teacher, it matters not a whit.

And here we have potential future Presidents insisting that Intelligent Design belongs in my science class.

I spend a lot of time defining science, more time than many, but it's time well spent. If you have no idea what science is, then either learn or, well, clam up.

Truth be told, I'm mostly a pre-Constantinian primitive Christian, who happens to be confirmed a Roman Catholic.  

Which is not a Fundamentalist--not even close.
But thanks for asking.

Image lifted from MoveOn.org.

READ MORE - Science and the art of Perrymandering

At the time of researching your trainee loan consolidation data alternatives you want to investigate co-signer and no co-signer loans.

A co-signer is a second man who guarantees to pay off the loan and commonly starts to come to be complex when the original borrower does not have any or a poor reputation history, students most often have few or no reputation cards, no vehicle loans and very rarely a house mortgage loan, as a consequence he or she have wee or no reputation history and as is the condition with a range of us in our youth, they could perhaps have made a few unwise choices, he or she could have gone over and above what they could perhaps pay back on a reputation card and even been irresponsible about commencing repayments.

Student deferred loans

The lack of reputation history or worse, actual late payments or defaults may without problem put a inherent borrower into the high risk category, most loan officers even in Federal trainee loans agenda system, may often look at that with a cautious eye and loan applications may be declined, or in borderline instances a higher rate is charged to offset the concern and compensate for higher default rates.

To counteract that lack of reputation history or bad record, borrowers can and in normal should acquire a co-signer, in the mean situation that will be a single or both parents, loan officers will then look at the parent(s) Fico score, residual debt to wage ratio, refund history and other thorough elements in choosing either to grant the loan, while this duration the reputation potential of the parents starts to come to be the necessary element for choosing the rate assigned, those with a classic reputation history commonly get the best rates, whilst those with a reduced Fico score commonly pay a higher rate, the divergence can total up to a necessary sum over the thorough re-payment time of 10 years.

One beloved co-signer plan shows a 4% plan paying ,489.00 in interest over the duration of the loan, rising to ,647.00 at 6% a 2% divergence doesn't sound like a lot, any way given modern borrowing patterns and compounding such a scenario is not unrealistic, one more instance that isn't uncommon these days is for students and parents to borrow as much as 0,000.00 to help finance an undergraduate education, even if interest is paid right away (therefore it does not acquire as long as the trainee is in school, adding to the total amount to be re-paid), interest at 6.8% is nearly 7.00 per month and the annual interest total is almost ,600.00.

Lowering that rate to 5% (the legal amount for a need-based Perkins loans) reduces these numbers to 7.00 and ,820.00, any way keep in mind that the case assumes that re-payment begins straightaway, deferring refund until six months after leaving school which is the most likely outcome will corollary in higher amounts unless the interest is deferred or subsidized, using a co-signer with good reputation can considerably reduced the total interest paid along with improving your chances of getting desirable loan features, go through a few sample strategies by using a loan calculator which are ready on-line, this data will come to be a necessary part of any trainee loan consolidation information.

trainee Loan Consolidation information - What Are Co-Signer and No Co-Signer Loans

READ MORE - trainee Loan Consolidation information - What Are Co-Signer and No Co-Signer Loans

LearnBoost is an online grade book and lesson planner that is available for free to educators. It has a grade book, lesson planner, attendance, reporting and calendar. It is easy to use, visually appealing, and you can share information with students and parents. The lesson planner is integrated with state standards and you integrate the whole system with Google Apps.


The grade book has easy inputs, real-time stats, grading scales and weighted assignments. 

The lesson planner makes it easy to create new lesson plans, align them with state standards and keep all your materials in one place. You can attach files and pictures, create assessments, and comment in the reflection section so you remember what you want to change for next time.

You can easily take attendance using a visual seating chart or list and quickly check student attendance history and records.

It allows you to easily create reports on classroom and student data so you can make decisions based on student data. 

Parents and students can have read access to view their progress.

The seating charts are visual and dynamic so you can try out different arrangements. 





You can also use it for scheduling and creating calendars and integrate it with Google Apps for Education. 


  


They also have a blog where they discuss education technology, ed reform, policy, strategies and best practices, product releases, technology and tips for using LearnBoost. 


This is a great tool for teachers to use and it's free! It is full featured and easy to use.

READ MORE - LearnBoost - free online grade book and lesson planner and more

PhET is an awesome resource from the University of Colorado at Boulder. The site has interactive simulations for physics, chemistry, biology, earth science, and math that teachers and students can use.

The simulations can be run on the site or downloaded. The simulations are accurate and real and can help students learn concepts in more depth. They are easy and fun to use, and really do demonstrate the concepts well. In the physics ones I use, a big benefit is that students can quickly and easily change variables and conditions and then see what happens. This is very hard and time consuming in many hands on labs.

The simulations are also a great alternative to live labs if you don't have the resources available. Some of the simulations are better than any hands on lab because the students can truly see and understand what is happening.

You can search by topic, grade level, or just see the newest ones added. There are teacher resources for many of the simulations. Teachers who use the simulations post lesson plans and resources to the site for others to use also.

I use the Physics simulations in my classroom and they work great. This is one of those sites that every science and math teacher needs to check out.

Here's a list of some of the new simulations they have:

READ MORE - PhET - free online science and math simulations - very cool!

Welcome to the hardest job you'll ever love!

As I think about the fact that most colleges will be holding graduation next month, I thought about all those new graduates that will be joining the education profession next year and thought I'd share some advice and resources for them. I'll be speaking to some from a few different area programs and I hope you will share these with new graduates that you know. I also figured this would be a good time because many seniors are still doing student teaching now. 

• Your best resource as a new teacher is yourself. Use what you learned in school. Seek out more information from colleagues and the Internet. Use your creativity. Remember what it was like to be a student yourself.

• Ask for help. Don't be afraid to ask other teachers for help. Do not isolate yourself in your classroom. Make connections with other teachers, whether it is in person, by email, Facebook, Ning, Twitter, web sites, or blogs. Create a Personal Learning Network of people and resources that can help you.

• Don't reinvent the wheel. Use the resources that are available to you. Most textbooks now come with instructor resource CD-ROMs and companion web sites. Use the resources that they have and then modify them as needed. Search the Internet for lesson plan ideas, activities, classroom management tips, and other tips and tricks. Check out Discovery Education's free resources. 

• Stay organized. You need to stay organized. Make sure you have a lesson plan guide and calendar of some sort. You can use a paper based planner and lesson planner or use an electronic or web-based system. Smartphones are great for staying organized. You can also use online resources like Google, Evernote and others to keep your files, calendar, tasks, and lesson plans organized.

• Write things down and make sure you have your classroom materials organized and labeled.

• Take advantage of professional development opportunities. Your district and school will run professional development sessions, but don't limit yourself to those. Look for free online sessions, webcasts, conferences, and sessions run by your local educational resource agency. Create your own, on-demand professional development using Twitter. 

• Join a professional society in your area. As a physics teacher, I have joined the National Science Teacher's Association (NSTA) and the American Association of Physics Teachers (AAPT). Find out what organizations are in your area and join them. You will find resources and contacts through these organizations.

• Read journals. Subscribe to and read educational journals. Most are free, so you don't have to worry about the money. There are journals on general education, educational technology, pedagogy, assessment, and just about every other area of education. Here is a great, free journal: Tech and Learning Magazine - great magazine with educational and technology information and resources. Free subscription for teachers.

• Be creative with your lessons. Think outside the box. Come up with new, fun ways to teach the students. Use projects and project-based-learning as a way to engage and teach your students. You can find a huge number of resources and ideas for projects on the web.

• Read some books on education. My personal favorites to start with are "First Days of School", by Harry Wong, and "Your First Year as a High School Teacher", by Lynne Rominger, et al.

• Don't pay for things if you can get them for free. There are tons of free resources, from software to web sites, that can help you in your classroom. Here are some tips for finding free resources.

• Make connections with the secretaries and custodians in your building. They will be some of your best resources for supplies, ideas, and help.

• Make connections with local businesses, especially those that are related to your subject area. They can be a huge resource for guests, supplies and equipment, and funding. Many local businesses, such as Staples, have Teacher Appreciation Days with discounts and free gifts. Find out about these. Remind businesses that instead of throwing out things, they can donate usable items to your school as a tax write-off.

• Get to know the publisher's representative for your class's textbook. They can get you a lot of resources.

• Be flexible. Remember Murphy's law. Have plans for when your lessons run short or long, to deal with interruptions and fire drills, assemblies, and days when much of your class is absent because of a field trip. 

• Have back up plans for everything and especially have backup plans in case of technology issues.

• Know your local and State curriculum. Know what is expected of you. Know what is expected of the students.

• Track your personal expenses and save receipts. There is a tax deduction for educators.

• Copyright issues - be careful and make sure you know about Educational Copyright issues

• Keep up on your certification requirements.

• Spend this summer relaxing and getting ready for your new career. Once you get hired by a school, get a copy of the curriculum and review it over the summer. Think about the kind of teacher you want to be. Get yourself organized. 

• If you are still looking for a job, don't worry. Teachers retire, move to different school systems. There will be openings. If you can't find a job by August, keep trying. Sign up to be a substitute teacher in the towns nearby. That is a foot-in-the-door for a permanent job when one opens. Don't despair, you will find a job. 

• Ask for help, and look for help. Again, don't be afraid to ask for help.

Good luck and welcome to the profession!

Some more resources for new teachers:

New Teacher Advice - some good advice for new teachers (and old ones too!)

Discovery Education New Teacher Survival Central - a great resource for all teachers (and free).

List of Discovery Education Resources for Educators - very good, inclusive list of Discovery Educations resources.

Top 10 Free Resources for Teachers

READ MORE - New Teacher Advice and Tips - repost