3 Things You Must Do If You Want To Minimize your College Debt

More Americans are attending and departing college in debt. Are you one of those students? Reportedly, compared to a decade ago, there are many more students borrowing large amounts of money to pay for college than ever before. Almost 10% of College Graduates are graduating with at least $ 40,000 in college debt. Getting cooked up in debt because you are borrowing to pay for college is bad but coupling that with credit card debt is the worst thing you can do. Your credit score is negatively affected by large amounts of debt.

1. Do not Abuse Your Credit Cards

Credit cards come easy in college. Paying them off comes hard. Having some credit is not bad. Using it carelessly and not paying at least the minimum payment each month is financially reckless. While in college you wonder why a bank would send you a credit card and you do not have a job. But you grab that card and go on a spending spree, then when the bill comes you remember again that you do not have a job. If you can not pay at least the monthly minimum you are going to get yourself and your credit in big trouble.

2. Pay on Your Student Loans

This may seem obvious to most but when the bank offers you a deferment it is easy to keep putting off any payments to your college student loan. Remember you can not be in forbearance forever and the payments will have to start being made. If you have the money to make the payments pay your student loans each month. The interest continues to accrue while you are in deferment so you are increasing your student loan debt when you do not make the payments. Do not get me wrong; if you can not make the payments by all means ask for a deferrment. The other option is a credit disaster. Student Loan Defaults are very high in the USA. Not making payments and not communicating to your bank when you get behind will be reported negatively to all credit agencies. This will ruin your credit score before you have a chance to build it.

3. Get Professional Financial Advice

Making a financial plan is very important. Meet with a Financial Planner before, during and after you finish college to discuss your debt and your income. Knowing what you are making and how much you can pay out each month will help you make a road map to be debt free. A financial advisor will also explain how your credit score is determined and what will hurt and help it. Knowing this before hand will help you plan how to achieve the ultimate credit score.

More than half of College Freshman have at least $ 1,500 in credit card debt. All indications lead to the conclusion that the balance will more than double by the time those students are seniors because interest charges for credit cards is much higher than student loans. …

The History and Science of House Painting

The purpose of house painting and decorating is to make a house, home or building look better or to protect it from damage by severe or ongoing weather, wind, sunshine, water, rust, corrosion, termites and other insects and/or mold. It feels good to have a good looking house, and it increases its value.

History of House Painting

Not much is known about house painting in the United Kingdom before the late 1200’s, when guilds began coming into existence. Two prominent guilds in particular were the Painters Company and the Stainers Company, which eventually merged with the permission of the Lord Mayor of the City of London in the early 16th century, forming the Worshipful Company of Painter-Stainers.

Tools of the Trade

In our modern era in which we live, paint composition consists mostly of latex formulations used for both exterior and interior use, greatly minimizing painting cleanup, as well as the strong and unhealthy smells normally associated with petroleum and polyester based paints.

Another common, modern house painting invention is the computerized paint scanner that precisely calculates how to get new paint color to match faded paint color on old walls, or to match fabric colors, flowers and other patterns. Paint in our day and age can also be made to smell nice and resist fading, chipping and bacterial growth. Paint can also be made to lay very flat on a surface, resulting in a very smooth look.

When and why should primer be applied? Why not just put paint on and get it over with? Wooden surfaces generally don’t take paint too well, resulting in flaking, due to excessive thickness of the paint. Primer is thinner and so soaks into wood much better, and since it allows the paint to adhere better, it saves you money in allowing for fewer layers of paint and primer to have to be applied.

Many professional house painters offer free consulting services, and additionally save you money by adding 5 to 20-year guarantees of adhesion and water resistance. Professionals are also very good at their use of time when applying tape, sanding surfaces, etc., before the house painting is started.

Another modern house painting tool is the foam brush, which is commonly used for precision work and smoother coats of paint that use less paint and less time to dry. And foam used on a roller can create beautiful patterns in the painted surface. Finally, the spray gun allows for the painting of extremely large surface areas in short amounts of time.

How to Clean and Store Brushes

An older style bristle brush is best to store in a box hanging from a wire within, allowing it to soak in a cleaning solution without being disfigured by having its bristles spread apart.

Paint Surface Preparation

Modern paint-tape prevents damaging the taped surface, having less than half of the adhesive power of masking tape, and thus being able to remain on a surface for up to 30-days without creating damage.

Then versus Now

In …

Career Branding Strategies to Beat a Recession

Self Branding or career branding is an often over-looked important party of the job search. The biggest mistake that people make is to assume that their past accomplishments and career experiences will speak for themselves.

Often, job seekers can fail to take a proactive approach to creating and marketing their reputations. Branding is setting yourself apart from other job seekers. If an employer sees "productive," or "self-motivated" basically stamped on your forehead he / she is going to stop and take notice. The blame lies entirely on you if you choose not to be active in asserting your reputation.

It is so important to market and manage your reputation in this manner. Start by determining what your strengths and assets are. What have other employers complemented you on? Are you dependable? Do you show good leadership? Or maybe you have good analytical qualities?

Whatever your best feature is, you need to identify it, and then go about highlighting it to potential employers. There are many different ways to market your brand. Begin including your brand in emails and letters. When you describe to people your job functions, include your brand. This can be done effectively and tastefully in a manner such as, "I work for company X to create new software; my work is completed on time and on budget."

Another example from a manager's standpoint could be, "I lead others to follow my example and work efficiently without sacrificing quality or integrity." The first example provided highlights the candidate's respect for deadlines and good money sense. The second showcases the employee's leadership qualities and values. Once you establish your brand you can use it in many situations to remind your potential employer what it is that you bring to the table.

The bottom line is that if you do not brand yourself, others will. Nobody wants to see bad qualities like these present in a potential employee. You might have accidently given a bad first impression without even knowing it, and words like these might cling to your name.

Much of this could have been avoided had you mentioned in early email correspondence that you have responsibly performed your duties with other employers and that you possess such and such qualities. Obviously if you claim punctuality as a selling point, then are late to an initial interview, your actions discredit your claims. Generally, however, you can shape the opinion that others will take towards you, by effectively marketing your brand.
You can be active and establish and market a reputation which showcases qualities such as:

Dependable, Leadership skills, Motivated, Supportive of co-workers, Hard-working

These are all great characteristics with which you should aim to be associated. An employer will brush aside others in an effort to take a better look at you if you present yourself as possessing any of these qualities. It's critical in the job market to set yourself up above the rest of the crowd. Career branding is a great way to do just that. …

Direct Lenders For Payday Loans

Payday loans are typically for small amounts of money, typically a few hundreds, to tide over some sudden crisis toill their next pay check. The price of such loans is quite high running into one thousand percentage points or more of interest annually.

Neverheless, these loans are very popular. You will find customers taking five to six such loans every year. People take these loans for many reasons. Like mentioned earlier, to tide over some sudden financial crisis, like an unexpected hospitalization bill, or college fees. These loans are also used to pay late fee charges on credit card bills or overdraft charges on their bank accounts. They are popular because the money is directed to your bank account almost the instant you apply for one. Previous credit history is not an issue, even if it is bad.

Paying back a payday loan

The loan does not have to be repaid in cash on the due date. You only have to ensure that there is sufficient amount in your bank account to cover the loan amount and the interest, which the lender will automatically withdraw from your account on the date of repayment.

Normally the money you were lent plus the interest amount should be paid within the month.

Some lenders allow you to choose the repayment schedule

Some lenders offer a continuous repayment option, wherey you give them the authority to make repeated attempts to take part or the full amount due from your bank account after the pay by date.

When does taking a payday loan make sense?

A payday loan makes sense if and only if you can repay it on the agreed date of repayment. They work out very expensive once they cross the date of payment. Lenders may offer to rollover the loan till the next month and more, but this is just a sales ploy and an attempt to get you to pay more than is necessary. A good creditor would freeze charges and interest to not more than two months from the date of last payment. And you would best stick to that.

How to choose a payday lender

· Check out different lenders for the best interest rate.

· Do not go for lenders who offer deferrals

· Do not take multiple loans at a time. Do not take one to repay another.

· Check if the lender is registered with a trade body because trade bodies have charters which hold their members to stringent rules. One of the points of these charters is that they will deal with cases of financial difficulty with sympathy and positively

· You should consider the terms and conditions of the loan. Usually payday loans have to be repaid between a time period of 15 days to 90 days. So choose that payday loan company, whose loan repayment period is comfortable to you. So it is best option to compare the terms and conditions of different pay day loan companies and choose the one whose terms …

Manifest Your Desires Using Natural Hypnosis

Seth, the very high level, spiritual teacher and guide channeled many years ago by Jane Roberts, impressed me with his great wisdom and I started applying his exercises and concepts as soon as I discovered his books. One of the exercises I practiced and loved was his natural hypnosis exercise.

Seth explained how we are our best hypnotist. Natural hypnosis is simply giving ourselves our undivided attention. We have mind chatter anyway, repeating words and phrases over and over again, making it part of our belief system and reality. This is natural hypnosis, nothing mystical about it.

Using natural hypnosis deliberately to manifest what we want is easy to do. We already have much practice doing it unconsciously. Using positive affirmations repeated for a brief period of time is very powerful and works exceptionally well. I’ve used written and verbal positive affirmations since childhood and I can give numerous examples of how well this works.

Now some of you may be thinking, “I do affirmations all of the time, this isn’t anything new!” What’s different is the use of a specific period of time – five to ten minutes only – of deliberate focused attention on one affirmation. And forgetting all about it when you are done. It’s very concentrated and more powerful than saying or writing affirmations in general.

Seth suggests that we take five to ten minutes each day to focus on one particular statement as vividly as possible. This is a statement or an affirmation we want to see manifest into physical reality. This affirmation must feel comfortable to use — if it doesn’t, change it.

Let’s say, for example, you want a new job or career. Your affirmation may be something like, “I now have my ideal job, doing what I love and earning a great income”. You may want to insert an actual income figure in your affirmation. Word it so it feels just right.

I did this one several years ago for a particular job I wanted after graduating from college. Although there wasn’t an opening at the company I wanted to work for, I did get the job in an unusual way. In the meantime, I easily and quickly attracted another job that was similar which led me to certain people and circumstances. In a brief period of time, I was able to get my foot in the door of the company I wanted to work for originally. By doing this exercise, I set energies in motion which opened doors and attracted opportunities I was not aware of. I didn’t worry how it would play out, I just allowed it to happen. It all worked out even better than I expected.

So decide what affirmation you would like to use and begin. Every time your mind tries to wander, bring it right back to your statement or affirmation, repeating it mentally or out loud, over and over again – for only five to ten minutes (you may want to set a timer). Then …

The Science of Yoga

Yoga science is a study of the structural framework of the body; the composition and function of various organs and glands; the chemical reaction between glands and hormones; the latent energy residing in the body and the energy created as a result of different chemical reactions; the effect of this released energy and sound. It also sets up to gain knowledge about the brain, its intelligibility, its thoughts patterns and its working. The thought as a pulsation and its effects are also observed. The part played by awareness is looked at too.

How Yoga Science is Applied

  • Through asanas (exercises) to support all the bodily mechanisms, setting them straight, kindling and recharging cells of all organs and glands.
  • Through relaxation methods that coordinate and direct flow of energy to all parts of the body; and dispel stress from the being.
  • Through pranayama (breathing exercises) to rejuvenate and fortify body and mind.
  • Through concentration and meditation practices the brain developments an illuminated insight, calm, control over emotions; it is also empowered to direct all procedures.

How Healing Comes About

The science of yoga uses yoga exercise for therapeutic purposes; to heal and harmonize all aspects of an individual, mind, body and soul. With this procedure one is taught to live an integrated life; one is made to identify and get rid of all factors that disintegrate the existence. Performing various asanas improves the circulation of blood and lymphatic liquids in the entire body. It enables all the tissues of the body to discharge toxic wastes and replenish themselves with nutrients. Regulated breathing exercises allow our blood to have a high reserve of oxygen which is the primary nutrient for our bodies. The stretching postures of Hatha yoga work on all the muscles and joints, making them elastic and flexible, giving them freedom of movement by taking away the stiffness and rigidity. Relaxation positions reduce the pressure on the limbs and the mind. Yoga as a science also develops mental acuity and lucidity; one is able to focus and concentrate on one's problems and cure itself. Arouse of the spirit brings an awareness of one's internal and external beings, unifies them and enables one to live a balanced life with ultimate peace of mind.

Yoga Science for Equilibrium

Yoga aims to attain an existence that is full of happiness, tranquility and success; this awareness can not be reached without one understands what the true meaning of happiness and success is. Yoga science teachers about transferring above materialism; conducting one's duty without expecting any rewards in this world and removing one's self from the joys and frustrations of this materialistic life. An individual can be considered to exist in a state of harmony and equilibrium when his physical humors are in a balance and he has:

  • A generally even digestive system and metabolism
  • Basically essential tissues are functioning normally
  • All organic workings and secretions are conductively smooth
  • There prevails a general sense of well-being (Prasana) at all levels; spiritual (Atma), mental (Mana) and

Career Opportunities With Healthcare Degrees

If you are looking for a fast growing and challenging career, you do not need to look any further than the field of healthcare. As one of the largest and fastest growing industries in the U.S. today, healthcare also plays a large part in the dynamism of the economy. Spending continues to rise and medical advancements and technologies change the face of healthcare almost daily. As a student opting for a career in healthcare, you can be assured of a promising future, steady employment, and competitive wages over the next ten to fifteen years.

As technology and medicine continue to develop, most job positions in this burgeoning industry now demand a greater level of education. Healthcare degrees need to offer a multi-faceted approach to the discipline consisting of a strong theoretical base, on-the-job training, development of interpersonal and communication skills, and knowledge of business practices and management skills as well. Armed with a degree in healthcare, graduates can then choose from a range of career options:

o Respiratory Therapist – Respiratory therapists specialize in heart and lung abnormalities. A registered therapist is equipped to handle the treatment, prevention, and rehabilitation of patients suffering from lung problems. Most respiratory therapy programs are for two to four years.

o Surgical Technologist – As a surgical technologist, you would be responsible for arranging and supplying surgical instruments to a team of doctors and nurses in an operating theater during a surgical procedure. Once qualified, surgical technologists also operate equipment and specialize in certain areas of operating room surgery. Degree programs vary from 12 to 18 months.

o Nursing – There are few fields as demanding and satisfying as nursing. As a profession, nursing offers up a host of career opportunities and nurses can look for jobs in hospitals, private practices, clinics, nursing homes, schools, as well as private homes. There are a number of degree options you can choose from if nursing is your goal. Colleges and institutions offer associate, bachelors, and master’s degrees in nursing offering different levels of training and qualifications. Many of these courses can also be conducted online or as an accelerated option as well.

o Healthcare Administration – Apart from doctors, nurses, and the like, there are hundreds of different individuals who form the backbone of the healthcare industry. These include the administrators who work behind the scenes to ensure the smooth running and quality of an organization. A healthcare administration degree aims to provide a business development plan and maintain the competitive edge of this industry. Roles in healthcare administration could include Hospital Administrators, Department Heads, Directors, Chief Executive Officers, Chief Financial Officers and Company Presidents.

These are just some of the job options available in the healthcare industry today. Apart from being projected as one of the fastest growing fields in the next few years, a career in healthcare also offers extra flexibility in terms of the possibility of part time work and shift work. Choosing a future in healthcare will assure you of a dynamic …

Chinese Medicine Universities – Teaching Ancient Healing Arts

Find Chinese medicine universities in the United States and Canada. Chinese medicine universities teach healing arts that are derived from ancient Chinese medicine practices. Today, students enrolled in any number of Chinese medicine universities will discover exciting academic prospects through Master's programs, certificate and diploma programs, and relative continuing education courses.

In any one of several Chinese medicine universities, students will be introduced to traditional Chinese medicine (TCM) theories and philosophies, Chinese medical terminology, TCM diagnosis; and Chinese herbal medicine and acupuncture. Depending on which one of the many Chinese medicine universities you choose to attend, you will find that most of these academic institutions extend classes in tuina (Chinese medical massage), moxibustion (cupping), acupressure, shiatsu and basic herbal medicine. These sometimes elective subjects are frequently integrated into main courses of study, such as acupuncture and Oriental medicine programs; but may also be afforded as separate certificate and / or diploma programs. In addition, many Chinese medicine universities will provide continuing education to students wishing to maintain license, and / or to maintain up-to-date skills and knowledge in the diverse fields of Chinese and Oriental medicine. Some associated studies taught through Chinese medicine universities may also include training in Tai Chi, meridian therapies, and related Oriental massage techniques.

Training programs at Chinese medicine universities cover a broad spectrum of natural and other healing arts. However, in addition to traditional Chinese medicine instruction, students enrolled in acupuncture and Oriental medicine courses will learn about anatomy, physiology, pharmacology, plant chemistry and a wide assortment of related subjects of study. Furthermore, many Chinese medicine universities do require some formal education prior to entry into any one of their more advanced courses, such as that of Doctor of Oriental medicine or Acupuncturist.

If you (or someone you know) are interested in finding appropriate Chinese medicine universities to help achieve your dream job, let education within fast-growing industries like massage therapy, cosmetology, acupuncture, oriental medicine, Reiki, and others get you started! Explore career school programs [http://school.holisticjunction.com/clickcount.php?id=6634739&goto=http://www.holisticjunction.com/search.cfm] near you.

Chinese Medicine Universities: Teaching Ancient Healing Arts
© Copyright 2007
The CollegeBound Network
All Rights Reserved

NOTICE: Article (s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box are included; and ALL Hyperlinks REMAIN intact and active.

Team Sport Advantages and Disadvantages for Your Child

Nowadays, children, besides of going to the school, practice a sport, mostly a team sport. And just like so many things, this also has its advantages and disadvantages on physical, emotional and mental field.

The decision of which one is greater, the advantages or the disadvantages depend on the point of view of the parents and of the children.

Emotional advantages:

– They will learn the value of teamwork

– They will learn how to work in a team

– They will develop their ability of trusting someone else

– They will learn how to select the trustful people

– They will make more friends

Emotional disadvantages:

– the pressure of being the best

– the possibility of not being the best

– possible emotional implications of not being the best can affect the self-esteem of a child

Mental advantages:

– physical activity stimulates the brain

– sport is a way of relaxing of the stress and pressure from the school, therefore, after exercises, the lessons will be automatically easier to understand and to learn

Mental disadvantages:

– competitive sport takes precedence over a child’s education

– learning may be neglected

– lack of mentally challenge

Physical advantages:

– they will learn the benefits of being fit, limber and strong

– it ensures a great and healthy growth of the body of the child

– they will be protected by obesity

Physical disadvantages:

– the danger of long-term injury

– early overuse of joints, ligaments and muscles can lead to joint and tendon problems, arthritis, back and neck problems

These issues have to be considered again and again before deciding on the type of sport that your child will be practicing.…

Austin BBQ – A Tour of the Town

Deep in the heart of Austin Texas, people have been cooking up their own brand of BBQ for years and years. Unlike those other BBQ meccas like Memphis and Kansas City, where folded pork is all the rage, in Austin it's all about the beef. We'll start our tour a bit out of town (about 30 minutes) in Driftwood where The Salt Lick BBQ Restaurant brings the city dwellers out in droves.

Their generous portions of brisket, chicken, sausage, and homemade cobblers have earned The Salt Lick an international reputation. You can order sandwiches, plates, and combos, but we recommend the All You Can Eat option that comes in at less than $ 15 a person. Making your way back to town, you may pass a gas station that proclaims to have the "wurst BBQ in Texas." Pull in and you'll find yourself and Rudy's Country Store and BBQ. Rudy's is a favorite through the state of Texas. Slide on up to the counter and order your brisket, sausage, chicken, and pork by the weight. Your order comes wrapped in wax paper with plenty of Wonder bread to go around. Rudy's also serves breakfast tacos in the mornings and has a wonderful selection of sides including beans, creamed corn, and potato salad.

Back in downtown Austin you can visit the old Weigl Ironworks building, the home of Ironworks BBQ. A favorite haunt of politicians in the heart of downtown, the Ironworks is a great place for people watching. They serve platters and sandwiches with all the sides. Trust us when we say that the beef ribs are worth the trip alone. The Ironworks is also one of the few joints in town to offer an all you can eat salad bar. In the heart of the live music capital of the world, Stubb's BBQ is just as famous as a great music venue as it is a restaurant. The specialties here are the chopped beef sandwiches and chocolate pecan pie. The best time to visit is on Sunday morning, when the sounds of the famous Gospel brunch spill out onto the streets.

Moving a few blocks northwest to Guadalupe St., you'll find Ruby's BBQ filled with hungry students from the University of Texas nearly every day of the week. Their reputation is based on their wonderful chopped beef sandwiches. You can also order the usual selection of meats by the pound. For your non-meat eating friends who may like to tag along, Ruby's is also the only place we know that offers vegetarian jambalaya.

Our tour heads west on Bee Caves Road at The County Line on The Hill. In addition to their fine BBQ, The County Line also offers grilled fish, chicken, and steaks. Founded in 1975, in a converted speak easy, The County Line offers a great view of the Texas hill country. These fine BBQ establishments are just a sampling of the great restaurants all over Austin. Where ever you go you're sure to find cold beer, …