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Student Loan Advice That Will Work For You

Most college students today are unable to finish their education without the use of student loans. You must understand student loans and select wisely if you wish to graduate in good financial circumstances. Read on to learn all that you need to know in advance of applying for student loans.

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Do not hesitate to “shop” before taking out a student loan. Just as you would in other areas of life, shopping will help you find the best deal. Some lenders charge a ridiculous interest rate, while others are much more fair. Shop around and compare rates to get the best deal.

If you are moving or your number has changed, make sure that you give all of your information to the lender. Interest begins to accrue on your loan for every day that your payment is late. This is something that may happen if you are not receiving calls or statements each month.

Don’t panic if you cannot make your payments on your student loans. Many people have issues crop up unexpectedly, such as losing a job or a health problem. Make sure you are aware of the specific terms that apply to such circumstances, such as deferments or forbearance, which are part of most loan programs. Interest will build up, so try to pay at least the interest.

Be careful when consolidating loans together. The total interest rate might not warrant the simplicity of one payment. Also, never consolidate public student loans into a private loan. You will lose very generous repayment and emergency options afforded to you by law and be at the mercy of the private contract.

Before applying for student loans, it is a good idea to see what other types of financial aid you are qualified for. There are many scholarships available out there and they essay writer can reduce the amount of money you have to pay for school. Once you have the amount you owe reduced, you can work on getting a student loan.

Exercise caution when considering student loan consolidation. Yes, it will likely reduce the amount of each monthly payment. However, it also means you’ll be paying on your loans for many years to come. This can have an adverse impact on your credit score. As a result, you may have difficulty securing loans to purchase a home or vehicle.

Fill out your paperwork the best that you can. If you give them information that isn’t right or is filled with mistakes, it can mean the processing will be delayed. This can put you a whole semester behind!

Be careful about accepting private, alternative student loans. It is easy to rack up a lot of debt with these because they operate pretty much like credit cards. Starting rates may be very low; however, they are not fixed. You may end up paying high interest charges without warning. Additionally, these loans do not include any borrower protections.

If you have yet to secure a job in your chosen industry, consider options that directly reduce the amount you owe on your loans. For example, volunteering for the AmeriCorps program can earn as much as $5,500 for a full year of service. Serving as a teacher in an underserved area, or in the military, can also knock off a portion of your debt.

Plan your courses to make the most of your student loan money. If your college charges a flat, per semester fee, take on more courses to get more for your money. If your college charges less in the summertime, be sure to go to summer school. Getting the most value for your dollar is a great way to stretch your student loans.

When completing the application for financial aid, be sure to avoid making any errors. This is critical for your ability to get the maximum amount in a loan that is available to you. If you’re unsure, go to your school’s financial aid representative.

Initially try to pay off the most expensive loans that you can. This is important, as you do not want to face a high interest payment, which will be affected the most by the largest loan. When you pay off the largest loan, focus on the next highest for the best results.

Know the terms of your grace period. Your grace period is the time you have after leaving school until your first payment is due. The grace period can vary, depending on the kind of loan you have. Missing your first payment is not a good way to start off your repayment plan.

It may seem easy to get lots of money for college, but be smart and only borrow what you will need. It is a good idea not to borrow more than one your of your expected gross annual income. Be sure to take into account the fact that you will probably not earn top dollar in any field immediately after graduation.

To make sure that you do not lose your student loan, read all of the fine print before you sign your contract. Some lenders require that you maintain a particular course load or keep a minimum grade point average to maintain access to the funds. Keep these items in mind when setting up your account.

If you are working toward an advanced degree, most likely you know that it is almost unavoidable to graduate without incurring student loan debt. This is probably going to be true until college becomes more affordable. Since you have this information, you should feel better about getting a loan.

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Calatorie in Turcia

Proaspăt întoarsa din vacanta petrecuta in Turcia (mai exact in Antalya – Alanya), am bucuria sa va scriu despre ce am vazut pe acolo, cum m-am simtit si cum a fost experienta in sine.

Am zburat pentru prima data cu avionul (o senzatie inedita) – un Air Bucharest si ajunsi acolo ne-am cazat pe la miezul noptii si ne-am odihnit pana urmatoarea zi. Prima noastra zi a început cu un mic dejun foarte nemulțumitor (slabut), pornind apoi spre plaja Marii Mediterane. Spre prânz mâncarea a devenit mai “mâncabila”, spre seara mult mai ok (zilele următoare au decurs la fel). Am fost foarte dezgustata de carnea lor de oaie măcinata si pusa in kebab-urile lor, pentru mici sau alte rețete.

Am sărit peste partea cu mâncarea (foarte groaznica) si am sa va povestesc partea frumoasa a călătoriei. Ne-am împărțit zilele in mers la bronzare, piscina, Marea Mediterana si mers in centrul orasului Alanya, unde am descoperit Turnul Rosu, portul, bazarele, o cofetarie selecta si o vegetație exotica (multi palmieri, fântâni si floricele). Imi place foarte mult ca la ei se poate negocia pretul “the last price”. Daca nu-ti convine pretul, te poti face ca pleci si ei reduc pretul initial cam pana cand tu ai fi de acord, sau nu.

In rest, ne-am plimbat foarte mult, portul ne-a incantat si el de asemenea, am facut multe, multe poze si am savurat vreo cateva zile inghetata foarte bune si sandviș de la Hanci 🙂 o super cofetarie. Singura mancare ce mi-a placut a fost shaworma la farfurie din prima seara.

In concluzie, a fost o vacanta de relaxare, bronz, shopping si vizitat bazare, cetate si port. CHIAR daca mancarea turcilor a fost cu “mai bine nu iau si nu incerc”, pot spune ca aceasta vacanta a fost inedita si ne-am bucurat de ea :)!

Descopar inventii

Azi mi-am petrecut 3 ore intr-o librarie informandu-ma despre inventiile cele mai deosebite (de la 500.000 de ani I.C si pana in prezent). Au fost lucruri care le stiam si le-am auzit de la cei din jur, dar ce m-a impresionat cel mai tare a fost ca nu m-am putut dezlipi deloc de acea carte imensa notandu-mi in detaliu fiecare an, fiecare inventie, fiecare inventator.

Vreau sa scriu aici ce cred eu ca este important si deosebit de stiut:

Ochelarii – 1299 – sunt inventia lui Alessandro di Spina

Curcubeul – 1304 – refletia luminii inauntrul picaturilor de apa

Pendulul  1581 – perfectionat de Galileo Galilei prin “legea pendulului”

Microscopul – 1590 – revolutioneaza medicina si stiinta – Hans si Z acharias Janssen

Telescopul – 1608 – inventatorul este Hans Lipperhey

Submarinul – 1620 – a fost realizat dupa desenele unei barci subacvatice ale lui Leonardo da Vinci

Teoria probabilitatii – 1654 – descoperita gratie unui joc de noroc ( printr-un pariu); importanti sunt Pierre de Fermat si Blaise Pascal

Calea Lactee – 1750 – asemeni unui disc, unei benzi difuze; descoperita de Immanuel Kant si Thomas Wright

Paratraznetul – 1752 – Benjamin Franklin a inaltat un zmeu in timpul unei furtuni, fulgerul l-a lovit prin sfoara, acesta fiind condus in siguranta la/spre pamant

Legea lui Ohm – 1827 – inginerie electrica => Georg Simion Ohm a descoperit interrelatia dintre tensiune, rezistenta si curent, aceasta reprezentand baza circuitelor electrice de azi

Codul Morse – 1843 – creat de Samuel Finley Breese Morse, consta in transmiterea mesajelor prin combinatii de puncte si linii (masina tipareste semnalele pe o banda de hartie)

Grupele sangvine – 1900 – Karl Landsteiner – au fost descoperite cele 4 grupe sangvine: A, B, AB si 0

Sistemul periodic -1869 –  contine 115 elemente si a fost realizat de Dimitri Ivanovici Mendelev

Penicilina – 1929 – a dus la vindecarea tuberculozei si a difteriei – Alexender Fleming

Fibra optica – 1955 – transfer de date de mare viteza – cablul cu fibra optica a revolutionat tehnologia comunicatiilor

Aselenizarea – 1969 – Apollo 11 => omul pe luna

Laptopul si palmtopul – 1982 – Epson, Hawlett Packard

Telescopul spatial Hubble – 1990-93 -a transmis imagini – SUA

Serialul meu de suflet – Grey’s Anatomy

Imi place Grey’s Anatomy si am urmarit fiecare episod, fiecare sezon pana acum “lipita de ecranul” calculatorului!
Captivant si fascinant este fiecare caz prezentat, iar personajele (echipa de medici) fac ca totul sa fie intr-o tensiune emotionanta. Imi place personajul dr. Meredith Grey si viata ei persoanala si profesionala (impresionant)!
Asta numesc eu “viata”: ni se intampla sa ne accidentam, sa iubim, sa speram, sa visam, sa suferim, sa fim fericiti, sa avem prieteni si o familie, sa devenim mai buni in ceea ce facem si cate mai cate…
Ma simtit atat de prezenta in serial, incat m-am atasat de fiecare caz, de personaje (si ii simt dragi). Imi plac si alte seriale TV, dar acesta in mod special m-a impresionat.
Ce poate fi mai emotionant decat sansa de a lupta sa salvezi o viata, sa oferi o a doua sansa, sa treci peste trecut si sa ai alaturi oamenii pe care-i iubesti?


“Bratarile prieteniei” reprezinta o arta a lucrului manual prin innodarea unor fire pana la realizarea multor si diferite modele. Sunt simbolice, de cele mai multe ori oferite sau primite cadou intre prieteni. Sunt colorate, cu noduri, impletite, cu bilute sau lipite. Asa ca in postul anterior intitulat “Cum se fac bratarile prieteniei”, am ales sa va si arat dar si spun cum se fac bratarile prieteniei step-by-step (model simplu din 3 fire), prin intermediu imaginilor alaturate si a explicatiilor :

Step 1 -> banda, nod si fire rasfirate;

Step 2 -> firul rosu (stanga), trece deasupra celui galben (mijloc);

Step 3 -> firul rosu (stanga), trece deasupra celui galben (mijloc), apoi “roata” sub acesta;

Step 4 -> asa ca in imagine firul rosu formeaza cu cel galben un prim-nod;

Step 5 -> din nou se face acelasi nod din aceleasi doua fire colorate;

Step 6 -> avem dublul nod rosu, pe firul galben;

Step 7 -> acelasi fir rosu (in mijloc de data aceasta), trece deasupra celui verde, apoi “roata” sub acesta si facem un dublu nod;

Step 8 -> avem dublul nod rosu si pe firul verde;

Step 9 -> asemenea firului rosu, vom face si cu firul galben din stanga( va trece deasupra celui verde, apoi “roata” sub acesta, facand din nou un dublu nod ) ];

Step 10 -> avem dublul nod galben pe firul verde;

Step 11 -> acelasi fir galben (aflat in mijloc), trece deasupra celui rosu, apoi “roata” sub acesta, facand din nou un dublu nod;

Step 12 -> avem firul verde in stanga, cel rosu in mijloc si cel galben in dreapta; avem dublul nod si pe firul rosu;

Step 13 – 15 -> cu firul verde vom repeta aceeasi manevra ca la step 2, apoi step 3 respectand ordinea culorilor si dublul nod de fiecare data.

P.S. : Curand va voi arata cum se fac modele de bratari ale prieteniei. Un hobby frumos 🙂

Un hobby printre alte hobby-uri

Aici pagina mea de blog, pe facebook:

●Un hobby preferat este fotografiatul. Ma destind, cercetez, descopar, surprind, ma perfectionez si-mi place foarte mult sa fac asta. Ador sa mai ies din cand in cand prin natura/lume sa explorez plante, flori, locuri, obiecte si sunt pasionata de cromatica culorilor, de efectele si de setarile ce le pot realiza/din aparatul foto.

●Sunt o amatoare in acest domeniu, dar/si il practic mereu cu placere, chiar daca nu detin un aparat dslr ma descurc destul de bine cu aparatul meu foto PANASONIC LUMIX DMC-F3-S.

●Si ca dovada, am facut o colectie cu pozele cele mai reusite facute de mine:

Omleta facuta de mine

M-am gandit azi dimineata sa imi fac o omleta pentru ca-mi era cam pofta. Am lasat confortul calduros al patului si laptopul si m-am indreptat spre bucatarie sa-mi notez ingredientele necesare pentru realizarea omletei.Zis si facut m-am dus la magazinul alaturat casutei, de unde am cumparat :

un castravete 10-15 feliute
masline negre 5 feliate
un ardei gras rosu jumatate din el,maruntit
o ceapa medie maruntita
unt un cubulet
piper un varf de cutit
sunca 1, 2 felii
cascaval ras

Si m-am apucat sa fac omleta grozava :

Intr-un bol am amestecat/invartit doua oua cu piper si sare. Am maruntit ceapa, iar pe foc am asezat tigaia cu cubuletul de unt.

Dupa ce s-a incins si topit untul, am adaugat si ceapa in tigaie pentru a da un gust mai bun omletei. Intre timp, am taiat feliute castravetele,maslinele si sunca, apoi am maruntit si jumatate din ardeiul gras rosu.

Am mai invartit inca o data omleta in bol si am turnato in tigaie, punand si o felie de paine imbibata cu oul amestecat din bol. Am asezat si restul (feliutele de castravete, masline si sunca) precum si ardeiul gras rosu maruntit.

In final, am presarat inca putina vegeta si busuioc si gata in farfurie cu omleta. Si pentru ca obtin gustul deplin al unei omlete bune am ras si cascaval franjuri.