In this day and age, student loan debt consolidation has become more popular. The number of such loan providers, which provide debt consolidation loans to college graduates, students, parents or high-school students has also increased. Under student loan consolidation you can simply transfer your all student loans into one. It is also identified as the school loan consolidation. You will have to pay only one fixed rate of interest for one monthly loan payment with only one financier. There are no extra fees or charges on such type of loans. You can also choose stretchy reimbursement structure and there are no prepayment penalties. There is no need of credit checks for such loans, which in turn saves time. The Student Loan Consolidation Program will provide more than $7,500 at the lowest interest rates. Consolidation is the best way of lessening your inconvenience by converting all students loans under a single loan with one giver. Such type of loans can support you to invest more for future and easily maintain your budget. A person may apply for student loan consolidation only when he is in a loan grace period or doesn't consolidate loans before this. You can also apply online for student loan consolidation. There are different companies, which consolidate your student loans, bad credit student loans, high education loans, education loan, school loan, federal student loan, joint loan and many more. Once the interest rate is fixed, it doesn’t change. The settlement will begin within 60 days.
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STUDENT CONSOLIDATION LOAN CENTRES
A student loan consolidation centre allows you to combine several types of federal student loans with a range of repayment schedules into one loan with one monthly repayment.It is best to pursuit for loan consolidation centers which offer minimal rates of interest. A student is qualified for a maximum of 1 percent reduction on the interest rate, if he pays on time for thirty six consecutive payments. While still attending school, students having federal direct loans are capable to consolidate by means of the federal consolidation suite provided by the government.Most student consolidation loans fall into two categories. They are government student loans and private student loans. Student consolidation loan centers supply loans such as federal, Stafford, professional student loans, nursing student loans etc.The government loan consolidation centre is providing a student loan consolidation program which allows students to consolidate outstanding education loans into a single new loan. This is not limited to a only creditor. Even if multiple lenders hold the loans, one can still opt to consolidate. Two popular online student consolidation loan centers are Internet student loans centre and US student loan consolidation centre. Next student is another popular student loan consolidating centre. It is offering student loan payments lower by up to 60% or more. Sallie Mae loan consolidation centre offers federal consolidation loans. The Citibank student loan corporation is giving federal and private loan consolidation. Wachovia consolidating loan centre is giving federal Stafford loans.Students must only consolidate loans which are of adjustable or changing rates such as the Stafford Loans. Never consolidate on fixed-rate loans such as Perkins loans as there won?t be any financial benefit. Interest rates for college students who are already adults or on their way to sixth month grace period will be higher.College Loan Consolidation provides detailed information on College Loan Consolidation, Private College Consolidation Loans, Best College Loan Consolidations, Federal College Loan Consolidations and more. College Loan Consolidation is affiliated with Student Loan Debt Consolidation
STUDENT CONSOLIDATION LOAN
WEIGHT LOSS (ACHIEVING GOAL)
BEST WEIGHT LOSS SUPLEMENT
WEIGHT LOSS SUPPLEMENTS
BEFORE STARTING WEIGHT LOSS PROGRAM
WEIGHT LOSS AND WATER
WEIGHT LOSS
WEIGHT LOSS (SETTING A GOAL)
FEDERAL LOAN CONSOLIDATION
Federal loan consolidation departments arrange consolidation services to students who search for loans for educational purposes. Consolidation is a refinancing package providing an opportunity for the individual to convert outstanding education loans held by various lenders into a single new loan with a single monthly payment. This method of clearing up credit is a perfect way to pay off the debt in full right now, while providing you with the crucial occasion to pay off your loan to a new department with whom you have a fresh slate.There are many federal loan consolidation departments in the United States. The US Department of Education offers a federal consolidation loan program called the William D. Ford Direct Consolidation loan platform. In this system, the borrowers are allowed to apply for a loan consolidation provided an agreement is made to follow to the Income Contingency Repayment Plan (ICR).The department of education offers loan consolidation services both online and on the telephone. The federal departments offer many loans such as the one under the Federal Family Education Loan (FFEL) plan. For loan consolidation, you have to approach either the consolidation department of the lender or a federal education department.If the borrower defaults on payments, then the consolidation department (Department of Education) reports this to the national credit bureaus. That causes damages to the borrower's credit rating, eventually inviting difficulties for the borrower to purchase a car or house. So the borrowers must keep in touch with the loan-servicing center so that billing statements do not go astray.Federal Loan Consolidation provides detailed information on Federal Loan Consolidation, Federal Student Loan Consolidation, Federal Direct Loan Consolidation, Federal Loan Consolidation Departments and more. Federal Loan Consolidation is affiliated with Cheap Debt Consolidation Loans
EDUCATION LOAN ( KEY TO SUCCESS)
We all want to be successful in life. Education is the key to achievement; but all are not born with a silver spoon. There is no doubt about the fact as the cost of living is rising; education expenses are also soaring high. For a middle class student it's a hard task to meet all his necessities besides paying the education dues. Education Loan is there to help out those students who need to be successful but don't have plentiful finance to pursue their education. Education finance can be used for a lot of purposes, tuition fee, food expenses, traveling expenses or buying stationeries, just to name a few., Due to huge competition in the market place, there are various lenders who are ready to give loan to the students at reasonable rates. Education Loan helps students who are bright in academics but are not financially sound, it's beneficial for the parents too because they don't have to incur the high expenses that today's education scenario demands. There are lenders who give the freedom to the students to pay finance amount after they have secured a job. This helps students to get rid of the psychological burden of loans and pretty concentrate on their studies. You can resume your studies least caring about the loan repayment. Students have the option of repaying the debts all at once or through an installment plan. Before seeking the finance you are advised to compute your education expenses. An extremely high loan amount could result into a high rate of interest. It's advisable that you do a careful study of the various options and a comparative analysis of all the loan offers before settling for a deal. One must also look into legal aspects before signing on the dotted line. Education finance is thus a best option for those students who dream to reach for the sky all on their own
PRIVATE STUDENT LOAN
It is well recognized to all that 'consolidate' means to save money and get its advantage. Everyone should consult with lender before creating a new consolidation loan. Alternative Student Loans are too known as Private Education Loans. Private lenders offer the Private loan. Private loan cannot consolidate with Federal Student Loan. It removes the gap between the real amount of education and the amount borrowed in its program. The low interest rates are not obtainable in the private loans, but there are different options to refinancing the private loans. Sometime a private consolidation loan is replacing with one or more private education loans with another. Therefore the single monthly payment is a main advantage of such consolidation. One may be able to get the private loan at a low interest rate. Education lenders will consolidate the private education loans. As this is a private consolidation program, therefore the lenders declare the interest rates not the government. There are some additional fees charged for originating this loan. If the private education loan has variable interest rate, one may pay off the private education loan by using a fixed rate home equity loan. Some families say yes the private loans, when they need different repayment option or when the federal loan does not provide enough money. Everyone should eligible to take the benefit of any student loan. Therefore, the student must have at least half time of an eligibility program of study. But the credit history of the student might be considered before providing the loan. If the student chooses a cosigner, the cosigner must have good credit history and must be earning at least $18000 per year. One can borrow up to the total cost of the education less any other financial loan. This amount is called \\\'Cost Less Aid\\\'. The loan may be applied in online. The interest charged on loan is equals to the US Prime Rate. The graduate fee charged at 5% at disbursement. The loan will pay out in two installments. There are three reimbursement procedures:1. Immediate payment of principle with interest. 2. Payment only the interest up to 4 years during the study in the school. 3. Payment the principle and interest separately up to 4 years during the study in the school
HOW TO CHOOSE AN EDUCATION LOAN
In today's world, education is very eminent to build a good career. We are living in the era of specialization. To get a job of your choice you need to be highly educated. With the government gradually cutting off subsidies to the educational institutes, education has become inflated. The rising education cost, is posing problems in front of many people. If you are one of them, who need finances to complete education for a happy future, then education loans can come to your rescue. Education Loans are given to those students who do not have enough money to pay for their college charge and other expenses. Education loans cover college subscription as well as other necessities such as food, hostel rent, uniforms, books, stationery items and other miscellaneous things. The good thing about an education loan is that you do not need to refund it until you complete your education and get a job. You can start repaying your loan once you get a job and start earning. There are different lenders in the market who offer Education Loans. Increased competition and the pressure to lure customers have made lending institutions to come up with attractive educational loan packages. Some lenders give preference to high loan amount seekers and offer them a number of liberties in repayments like payment holidays. Students are therefore advised to research and explore the loan market before finalizing a deal. Researching online via Internet will save a lot of time and money. Students can also apply online for speedy authorization of their loans. Loan seekers are advised to examine the loan offer documents cautiously and be aware of the rules and regulations of their preferred loan package in order to avoid future hassles and unnecessary expenditure.
What is Plus Consolidation Loan
The parents of students opting for higher schooling take the Plus Loans. These loans are taken to supplement the income of students. It meets the many necessities of funds to finance the aspects other than their fees of college education. To elaborate, the plus loans are used to finance boarding, lodging, books, tuition fees and so on. Plus loans are also used for financing any unexpected expenditure incurred in education. Features of Plus Loans The two important features of Plus Loans are as follows: - they can be repaid immediately upon disbursement and - they can be consolidated. Plus Loans Versus Federal Loans Plus Loans share certain similarities with federal loans. Also, they pose certain differences as compared with federal loans. The Common features that plus loans share with federal loans are as follows: - The US government secures plus loans too. - The Plus loans are available under the Direct Student loan program. - Plus loans are available through the private lenders too. - Various federal consolidation loan programs offer provisions for consolidation of plus loans. The differences between plus loans and federal loans are as follows:- unlike federal loans, the parents can take plus loans too. - Plus loans have higher interest rates as compared with federal loans. - The credit worthiness of the parent is checked and only then the loan is issued. - A few reimbursement options are offered to plus loans. - Plus loans are due to be repaid instantly. Consolidation of plus loans Plus loans have the option of consolidation. The consolidation of plus loans can be done without delay after disbursement. The plus loans can be consolidated for the following schooling categories: - under graduate studies - graduate studies. The advantage of plus consolidation is that- it gives the students the option of further continuing their schooling program. - Also, if they are unemployed after finishing the course or if they face any financial difficulties, they have the option of defusing the loan. Thus, most parents and students prefer to consolidate their plus loans.
TYPE OF LOANS
EDUCATION LOANS ( ONLINE)
Vault Career Guide to Private Wealth Management
Book Description
Want to land a job or career in the private wealth management industry but don't know where to start? The Vault Career Guide to Private Wealth Management takes you inside the industry to make sure you can land the job you want. It covers the basics of equity and fixed income products to market and regulatory trends, and dissects career paths and job responsibilities at the both large and small firms.
Vault Career Guide to CONSULTING 2ND ED
Book Description
This is one of Vault's best-selling titles. This new Guide covers the basics of the consulting industry, including walk-throughs of growing and hiring firms, perks, fimr-paid graduate degrees, insider interview tips and real consulting case questions.
Vault Career Guide to Venture Capital, 3rd Edition
Book Description
For job seekers who enjoy working with young, growing companies--and potentially making millions from investments in them. This insider guide takes readers inside the industry, with a look at the hiring process, regional firms, job responsibilities and more.
Negotiating Your Salary: How To Make $1,000 A Minute
Book Description
The fourth edition of Jack Chapman’s salary negotiation classic includes updated Internet research sources with passwords to useful sites; new lingo for earnings conversations; thorough coverage of stock options and grants; and the final word on when to get a lawyer involved. NEGOTIATING YOUR SALARY focuses completely on the job candidate’s side while demonstrating how to develop a comp package that will satisfy the employer, too.
From the Publisher
* A revised edition of Jack Chapman’s salary negotiation bible, with comprehensive guidelines for every conceivable negotiating item, and five foolproof steps to help you get the gold. * Previous editions have sold more than 100,000 copies.
Negotiating Your Salary is an excellent resource for both the job seeker and those looking to get a good raise. Author Jack Chapman emphasizes many key points most notably selling your value to the organization instead of whining and crying about a raise. The importance of letting the employer talk money first is stressed. Still another aspect of a satisfying job offer/raise is to research salaries in your field. A perspective employer may think very highly of you by making the effort to do good research.
101 Dynamite Answers to Interview Questions: Sell Your Strengths!
Book Description
Regardless of how well you write resumes and letters, you simply must excel in the job interview to get the job. But conducting an effective interview is more easily said than done. This book outlines the interview process--from preparation to close and follow-up.
About the Author
Ronald L. Krannich, Ph.D. and Caryl Rae Krannich, Ph.D., are two of America's leading career and travel writers who have authored more than 40 books. They currently operate Development Concepts Inc., a training, consulting, and publishing firm. A former Peace Corps Volunteer and Fulbright Scholar, Ron received his Ph.D. in Political Science from Northern Illinois University. Caryl received her Ph.D. in Speech Communication from Penn State University.
EXPERTS RESUMES FOR TEACHERS
REVEIW FROM A CUSTOMER
I got this book along with several other resume books for teachers from the library. I thought this book was the best of all of them. It is filled with actual award-winning resumes by real teachers. The authors point out the special features and strengths of each resume. What I especially liked is that they focus on the visual style and formatting of a resume along with the content.
Using the examples and tips in this book, I re-formatted my resume to showcase my strengths and be easier to read. I had sent my old resume to someone in response to a teaching job he had, but I never heard from him. Still hoping to get in at this school district, I sent my new and improved resume to a different person, hoping she might have some openings instead. Well, she gave a copy of my new resume to the first person and he called me the same day for an interview!! I know it sounds like a cliche, but it really happened. My new resume got me in the door, and I got the job!! I highly recommend this book!
The Career Coward's Guide to Interviewing:
Rich Feller, Ph.D.; professor, Counseling and Career Development, Colorado State University; co-author, Knowledge Nomads and the Nervously Employed
"Finally, an interview guide that deals with the 'confidence' issue...a quick read jammed with wisdom and hints."
Carol Eikleberry, author, The Career Guide for Creative and Unconventional People
"Fear interviews no more! In a book full of energetic and practical advice, Piotrowski takes the worry out of interviewing."
One of the great truths of life by is that we are victims of our fears, and yet typically we don't even know it. We make all kinds of rationalizations to justify ourselves -- "I have bad luck," "I'm not good enough to work there," "They probably already hired somebody" -- but the reality is that Fear keeps us stuck in place. To paraphrase Tony Robbins, "If there's something you want to do, that you know you're capable of doing, but just can't seem to get around to doing, then Fear is the problem."
Katy Piotrowski's great little book is a roadmap for overcoming the fears inherent in the job search, which may be one of THE most fear-inducing experiences in life (right up there with public speaking, walking down the aisle, and eating raw pig uteruses on Fear Factor!). How many people do you know who constantly whine about how much they hate their job... Who wish they were doing something else, but know it's an impossible dream... Or who are stalled in a job far below their intellectual capacity? This book is the key to their self-imposed prison cell.
But rather than dealing with fear as a pathological condition that needs to be painfully confronted, the author offers countless ideas and examples that can help anyone climb into the driver's seat to a more rewarding career. Too often, self-help books are nothing more than magazine articles that have been puffed up to 200 or more pages just to capitalize on a profit opportunity. This book is the opposite: thorough, comprehensive, and rich with insights and "how to's" on every page. Yet it is a quick read, and Piotrowski's unique mix of expertise and enthusiasm is infectious.
I got a copy of the book for my son, graduating from college in June 07, who's started voicing the "Who's gonna hire an English major?" rationalization. I honestly believe this book will make a difference in his career path, and I feel lucky to have found it as he's just entering the working world.
Given the importance of the right job in leading a satisfying life (not to mention achieving better income) the $10.95 price is short money for this gem.
BEST RESUMES FOR COLLEGE STUDENTS AND NEW GRADUTES
Resume Writers Digest
"Innovative ways to handle basic information is the reason why this book deserves a place on your reference bookshelf."
Book Description
Helps students by describing skills and attributes that are valuable in the workplace, answering common questions, delivering expert advice that is relevant in today's hiring market, and showcasing high-quality resumes and cover letters prepared by professional resume writers—all written for college students or new graduates. It is a comprehensive resource appropriate for diverse college majors, both undergraduate and graduate, as well as for students seeking internships and co-op jobs while still in school.
Key Features
* A large collection of more than 100 top-notch sample resumes written by professional resume writers and career counselors, targeted to help college students and graduates at all levels land the job they want.
* Internet job search and resume help.
* Self-evaluation worksheets to help readers discover their skills and adapt their college experience to the real world.
* Guidance on writing all types of job search correspondence, such as cover letters, thank-you notes, job acceptance letters, and job declination letters. --This text refers to an out of print or unavailable edition of this title.
200 Best Jobs for College Graduates
Book Description
In just two steps, "200 Best Jobs for College Graduates" helps college graduates quickly and easily narrow their career options and learn more about jobs of interest. Step One: Readers browse a variety of "best jobs" lists. Step Two: Readers learn more about the jobs of interest by looking up their descriptions. Best jobs lists include highest pay, fastest growth, most openings, highest percentages of graduates aged 20–29, graduates age 55 and older, education level, interests, personality type, and more. More than 200 jobs are described thoroughly, based on O*NET data.
TOP 100 CAREER FOR COLLEGE GRADUATE
Wayne D. Ford, Ph.D., author of The Accelerated Job Search
"The author has done a great job in pulling together the elements that spell success in the quest for employment."
Book Description
Explore 100 top careers requiring bachelor's and higher degrees, match them to your skills, and get a good job quickly.
The LAW of Success in 16 lessons
The Law Of Success In Sixteen Lessons, Lessons 14-16: Failure, Tolerance, Golden Rule
YOU CAN FIND ALL WHAT YOU WANT FOR EXTREME SUCCESS
CUSTOMER RELATIONSHIP MANAGEMENT
Absolutely the best exposition of Customer Relationship Management. I can't think of a better guide to increasing your performance and profits.
Philip Kotler, S. C. Johnson Distinguished Professor of International Marketing, Kellogg School of Management, USA
Here, at last, is a mature account of CRM without the hype and spin. Buttle makes it crystal clear why any program should be business-led.
David Harvey, Director, European Centre for Customer Strategies, www.eccs.uk.com.
With great clarity and practical relevance, this book delivers a much-needed, multi-faceted roadmap for treating CRM as a core business strategy. Francis Buttles rich and well-balanced text offers a refreshing departure from many of the technology-heavy or lop-sided views that surround this important subject.
Fred Wiersema, President The Customer Strategy Group LLC, USA and co-author of The Discipline of Market Leaders
The author does a magnificent job of gathering the difference perspectives, categorizing them, and presenting a comprehensive overview. This is an easy-to-use textbook with a pleasant and engaging format. There is enough information here to sell the idea of CRM internally, hire CRM consultants and work intelligently with them.
Marty Landrigan, Landrigan Marketing Research, Sudbury, MA USA
The AMA Handbook of Business Letters
Herald-Miami, Florida July 1, 2002
If you're really clueless, lazy, or ... crazy like a fox, AMACOM offers 365 model letters for virtually every business situation. --This text refers to an out of print or unavailable edition of this title.
Joyce Lain Kennedy, nationally syndicated columnist
"For every business person who hates to write letters, this is what you want for your birthday"