Tuesday, September 15, 2020

Unitedessays Com

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Friday, September 11, 2020

Essaymama

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Friday, August 28, 2020

Cheap Essay Writing Service That Lets You Save 30%

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Tuesday, June 2, 2020

4 Options To Refinance Your Parent PLUS Loans

HomeFinanceFinancial aid4 Options To Refinance Your Parent PLUS LoansThis page may contain affiliate links.Feb 1, 2019Many parents feel the need to help their children pay for college. However, with the high cost of college, its not uncommon for parents to consider PLUS loans to cover their childrens costs. However helpful parent PLUS loans can be, though, repaying them can be costly. The current rate for PLUS loans is 7.6%, up from the 7% rate for loans disbursed between July 1, 2017, and June 30, 2018. When it comes time to repay the debt, it can be frustrating to deal with those rates — especially if you can get a better rate with parent PLUS loan refinancing. So if  youre asking yourself should I refinance my parent PLUS loan, the answer is to at least understand your options, do some research, and compare interest rates. If youre looking for a way to get a lower rate, or if you just need a lower payment, refinancing can be one way to go. Here are four ways to refinance your parent PLUS loans. 1. Refinance the Parent Plus Loan into Your Name When you refinance a loan, you borrow to pay off the old debt. Your new loan should have terms that you prefer, such as a lower interest rate or a longer repayment term (or both). With a lower interest rate, youre likely to pay less money on your debt over time. Interest savings can be hundreds of dollars. And, if you keep the same loan term, you might see a smaller monthly payment because of the lower interest rate, improving your cash flow. In some cases, its less about a lower rate and more about reducing monthly payments with the help of a longer term. If you dont end up with a lower rate, you could actually pay more in interest over the life of your loan, but youll have better monthly finances. Can I refinance my parent PLUS loans? Whether parent plus loan refinancing is successful for you depends mostly on your credit situation. In order to get the best terms, you need good credit. In fact, some lenders wont consider you for parent PLUS refinancing without a good credit score and adequate income. Keep in mind that when you got your parent PLUS loan from the federal government, the credit check was limited to major negative events, like missed payments or default on your own student loans. When you refinance these loans, youre getting a private loan, and the underwriting standards are tougher. Before you try to refinance PLUS loans, double-check your credit. 2. Refinance Parent PLUS Loan into Students Name When you get your parent PLUS loan, its  your debt, even if you take it out in order to help your child or grandchild with their education. In order to get around this, you can have your student take over the loan through refinancing. If you go this route, the student will have to be approved to refinance your debt. Since the debt was taken out as a benefit to them, some lenders are willing to have the student take it on. Can I transfer a parent PLUS loan to a student? However, if you refinance a parent PLUS loan to your child, realize that they will have to meet the credit requirements set for by the lender. That might mean you will have to cosign on the loan in order for them to get it. While the student then becomes mainly responsible for the debt, if they start missing payments, you are required to step in. The reality is that you cant just put the students name on the PLUS loan and have them take over payments. Lenders require them to actually qualify for a loan. However, if you can have the debt put in their name, even if you have to cosign to help them qualify to refinance the parent PLUS loan, at least it transfers some of the responsibility to them. What about having a student paying parent PLUS loan? If you cant get the  company to refinance a parent PLUS loan into the students name, you can work with your child to see if they will make payments. They can send the payments to the lender each month instead of you, or they can send you payments that you can then put toward the parent PLUS debt. However, realize that in this arrangement, the child isnt legally bound to pay the debt. Its your debt, no matter who benefitted, so youre expected to see the obligation met. Even if your student pays for a little while, understand that life circumstances could mean changes, and the student might stop making payments. 3. Use a Home Equity Loan Another way to pay off your parent PLUS loans is to refinance using a home equity loan. If you have enough equity in your house, you could get a loan and then pay off the PLUS loan. In many cases, because a home equity loan represents secured debt, you can get a lower interest rate. You might be able to save money and lower your payments each month. Depending on your credit, you might be able to get better terms with a home equity loan than you would from using a private parent PLUS refinancing company. Risk of using a home equity loan for parent PLUS loan refinancing The downside to using a home equity loan is the fact that you could lose your home if you dont make payments. With a parent PLUS loan, there are credit consequences, and non-payment could mean wage garnishment or tax refund garnishment. However, you dont have to worry about losing your home. Parent PLUS loans are unsecured debt, while a home equity loan is a secured debt. Its important to be very careful and understand the risks before you use secured debt to pay off an unsecured loan. 4. Federal Direct Parent PLUS Consolidation If you meet the requirements, you can actually consolidate your parent PLUS loans using the Income-Contingent Repayment (ICR) plan, which is the only income-driven plan compatible with PLUS loans. Using federal consolidation isnt true refinancing. You arent going to get a lower interest rate, and you arent using a new loan to pay off current debt. However, with ICR you can get a lower monthly payment. If youre hoping for more affordable monthly payments and better cash flow, and a lower rate isnt as important for you, this can be a decent choice. With ICR, your payments are capped at 20% of your discretionary income or the amount of your payments on a 12-year plan, whichever is lower. Plus, you get a loan term extension to 25 years. If youre struggling and parent PLUS loan refinancing isnt a viable option, this could at least help you afford your monthly obligation. Can a parent PLUS loan be forgiven? One of the perks of choosing ICR for your parent PLUS loans is that you then become eligible for Public Service Loan Forgiveness (PSLF). You have to meet the requirements of PSLF, though. So, you need to make 120 qualifying payments while working for a non-profit or government organization. If you know youll be working at a qualifying job for 10 years, getting on ICR so you can use PSLF later can be one way to keep your payments manageable and then have your parent PLUS debt forgiven later. Which Lenders Offer Parent PLUS Loan Refinancing? There are some lenders that specialize in refinancing parent PLUS loans. Some will refinance your loan for you, while others will refinance the parent PLUS loan into a students name. Carefully consider your needs before you move forward. Lenders that refinance parent PLUS to child These lenders will refinance your parent PLUS debt in your own name, but they also offer the option for your child to take over the loan — as long as the child qualifies. SoFi CommonBond Laurel Road* PenFed (done with Purefy)* Education Loan Finance* Check to see if there are special protections, such as hardship programs, offered by these lenders before proceeding. Although, if your main concern is to get the parent PLUS loan transferred to the student, it might not be a priority for you. Lenders that refinance parent PLUS loans only to the parents name Maybe you arent concerned whether your parent PLUS loans are refinanced to your students name and you just want lower rates. You can compare the previous lenders rates for regular parent PLUS loan refinancing with the following lenders: Discover Student Loans CommonBond Earnest* Citizens One* Compare rates to get the best deal, and make sure you know what youre getting into before you proceed. *You can compare refinancing rates from several lenders with Credible. We recommend you check Credible for prequalified rates for these lenders and then research other lenders, not on Credibles platform to see your full spectrum of options.   Parent PLUS Loan Refinancing: Bottom Line As you consider your upcoming life milestones and financial needs, parent PLUS refinancing can be a big part of making sure youre able to accomplish what youd like to, especially if you want to retire soon or already live on a fixed income. In an ideal world, your student would be able to take over the payments and youd be able to find a lender willing to effect the transfer. However, not all grads are able to take on parent PLUS payments in addition to their own student loan debt payments. So, even if youd hoped your child would take over, you might be on the hook in the end. Its a good idea to prepare for that possibility. With refinancing, you can get the payments to a manageable level, as well as potentially save money in the long run with lower interests rates. Consider your needs. If you have good credit and a regular income, you might not need federal loan protections and PSLF. If thats the case, refinancing can help you move forward. On the other hand, if you work for the government or for a nonprofit organization, you might be able to use the ICR workaround to better afford your payments while working toward forgiveness. Be practical about your finances going forward. Weigh your options and choose what is likely to provide you with the best long-term outcome.

Saturday, May 16, 2020

Customer Service The Key to a Prosperous Business

When it comes to providing customer service, customers want quality, assurance and their demands met. Companies have a commitment to give good customer service. GE (General Electric) is ranked one of best companies that provide excellent customer service. Their commitment, training and quality to the customers for decades is how they gotten to the top. Meanwhile, AOL is ranked as one of the worst companies that provide poor customer service. There rude deposition, unethical guidelines and disgraceful quality is why they are going out of business. GE’s motto, â€Å"We bring good things to life† is definitely working for this company by gaining new customers, keeping old customers and increasing profits. Their great customer service†¦show more content†¦These key elements and putting customers first is why GE is the best company for providing customer service. This has not been AOL’s strategy or how they give customer service. AOL, American Online, one of the worst companies for customer service, has not followed in the footsteps of many by having key elements of quality for their consumers. In the past, this company was on top with â€Å"over 30 million customers† from their dial up services with the internet (Karen Aho, 1). During the past years they have seen a dramatic decrease in profits and a drop of â€Å"9.3 million paying customers†Ã¢â‚¬â€a huge decrease (Aho, 1). Why the downfall of a profitable and every growing company? The answer is simple. Due to the recession, AOL started to cut costs in the wrong areas—one of them customer service. The main goal by AOL was to â€Å"maximize the shareholders profit and leave the customers last† (RPA, 1). Their training was far from the Six Sigma management training process and a good way to describe it was poor and inexcusable. At AOL, they have poor call centers, where there is a long automated voice system before you reach a human. The employees are coached to hang up on customers that are irate. The customer service representatives also ask the consumers not to tape their conservations or they will hang up on them if they don’tShow MoreRelatedGeographic Trade Are The Location Of Our Business Essay1254 Words   |  6 PagesGeographic trade area The location of our business is in the city of Morgantown, WV. This city has emerged into a diversified business center with research and high tech industries and a strong employment base. The downtown area is interesting, well preserved and with cultural amenities. Morgantown is located at the intersection of interstate 79 and interstate 68, giving visitors and businesses easy access the city. ïÆ'Ëœ Size of our market in terms of potential customers (is it growing, stable, or decliningRead MoreSwot Analysis for Gas Station742 Words   |  3 PagesAnalysis depicts our key strengths and weaknesses for our new project. It will describe the opportunities and threats that our potential full service gas station will possibly face. External Opportunities and Threats In this portion of our analysis, we will use our opportunities to overcome our threats. Of course, every business will have threats that they will need to prevail over. This is why we strongly believe that our marketing plan will certainly be prosperous. We will first lookRead MoreMarketing Analysis : Sales Promotions951 Words   |  4 Pagesa specific company, markets must come up with a successful sales force structure that will allowing their business to maintain long-term relationships with customers as well as increase their sales to different companies to attract more customers. There are many different types of companies that are working to expand their sales and reach a larger amount of customers every day in the business world. Therefore, these companies must come up with an effective sales force structure as well as an effectiveRead MoreTesco1411 Words   |  6 Pagesdescribe the contribution of the key business functions to the changes implemented in the organization. ( Finance, Marketing, Operations, and Human Resources). Also, it will explain the key stakeholders of the organization and the key issues in managing stakeholders. Furthermore, it will include a SWOT analysis and a Power and Interest Matrix about Tesco. Business functions In the case study of Tesco, it is stated that they will appoint more staff to win their customers back. This step is related toRead Morep2 describe the different stakeholders who influence the purpose of two contrasting businesses1028 Words   |  5 Pagesis anyone with an interest in a business. Stakeholders are individuals, groups or organisations that are affected by the activity of the business. There are two different types of stakeholders; internal and external. 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Therefore, the goods together with services tend to be delivered in accordance with the needs as well as wants of the consumers. The significance of marketing management in the organizations of the 21st ce ntury is identifying together with measuring the needs together with wants of the consumers. The importance of marketing to a firm’s success in the 21st century is vital. For any business to remain successful in any single business environment, the organization must market their brandRead MoreDescription Of The Company : Do It Yourself ( Diy )1058 Words   |  5 Pagescustomizing gifts that are created by our business and in the development of our customers liking. All products will be hand-made. It ranges from middle to upper class and prosperous clientele. Furthermore, Our company image illustrates what customers are seeking as simple and elegant gifts to their taste. Moreover, our company is a partnership business, where 5 entrepreneurs will be investing in the production including me. The capital that we have invested into the business is  £85,000. We have entrepreneursRead MoreSample Resume : New Kras, Kpis And Targets1144 Words   |  5 Pages†¢ New KRAs, KPIs and targets Key Result Area Key Performance Indicator Target Unit Cost †¢ Cost per placement †¢ Cost per payroll †¢ Cost per candidate registration Reduce costing by 20% in 2018 Profitability †¢ Profit per client †¢ Profit per service Improve gross profits rates by 30% in 2018 Temporary Recruitment †¢ Number temps per †¢ consultant †¢ Time to placement †¢ Average contract duration †¢ Candidate utilisation †¢ Fill rate Reduce staff turnover rate by 20% by 2018 Permanent Recruitment †¢ TimeRead MoreInternational Marketing Ethics1170 Words   |  5 PagesINTERNATIONAL MARKETING ETHICS International Marketing Ethics Abstract Businesses face various ethical challenges when conducting business. These ethical challenges are also present when conducting business aboard. Companies must be aware of ethical standards and acceptable behavior. This awareness means that marketers must recognize the viewpoints of three key players: the company, the industry, and society. Since these three groups almost always have different needs and wants, ethical conflicts

Wednesday, May 6, 2020

Essay on Geography of Russia - 2147 Words

Russian geography - Regions of Russia Russia is a country about 1.8 times the size of the US occupying the vast area between Europe and the North Pacific Ocean. It has an area of 10, 672,000 sq. miles (17,075,200 sq.km) and a population of almost 150 million people. Occupying a large territory in Europe and Asia Russia is spread over all climatic zones except tropical. It takes over 8 hours by plane to reach from Moscow to Vladivostok on the Pacific coast. West of the Ural mountains from the Black Sea in the South to the Arctic Ocean lies a broad plain with low hills where the historical core of the Russian nation is located. East of the Urals from the border with Kazakhstan, China and Mongolia to the Arctic coast lies Siberia - a†¦show more content†¦Various mountain ranges making up the northern slope of the Greater Caucasian mountain range are located in southern Russia. Another mountain chain, including the Altai range, is to be found in southern Siberia. The Kamchatka mountains (including some active volcanoes) stretch along the Pacific coast. Russia abounds in mineral resources whose total potential value (in world prices) is estimated at an impressive $30 trillion. Russia produces 17 per cent of the worlds crude oil, as well as 25-30 per cent of its natural gas, 6 per cent of all bituminous coal, 17 per cent of commercial iron ore and 10-20 per cent of all non-ferrous, rare and noble metals mined across the globe. The largest oil-and-gas deposits are to be found in Western and Eastern Siberia and on Sakhalin Island. The list of Russian mineral deposits includes gold, silver, platinum, cobalt, antimony, zinc, mercury, and many others. Russian mineral resources are distributed rather evenly along the nations territory. For instance, copper-and-nickel ores are mined in the Northern Caucasus, the Urals, Siberia and the Kola Peninsula. Most of Russias territory is located in the temperate belt. The Arctic Oceans islands, as well as this countrys Arctic territories, are located in the Arctic and sub-Arctic belts. At the same time, a small section of the Caucasus Black Sea coast is located in the sub-tropical belt. Russia boasts just about everyShow MoreRelatedThe Geography Of Russia1842 Words   |  8 PagesRussia is a land of many mysteries and a country of many wars. It has been torn apart by harsh climates and a devastated economy. Living for centuries in tough climates explains the Russian strength and ability to take endured hardship. It also explains the way they conduct and carry themselves throughout time. Geographic Area The oceans that border Russia include the Arctic, Pacific and Atlantic Ocean. The Countries that border Russia include Finland, Poland, Ukraine, Kazakhstan, Estonia, MongoliaRead More Geography Of Russia Essay717 Words   |  3 Pages Russia is a huge landmass and covers a vast amount of the earth’s surface area. Being so large, Russia contains a huge variety of different geographical features. There are several mountains, rivers, bodies of water, climate zones, and population centers in Russia. Most of the development in Russia is located in its core area, east of the Ural Mountains. There are several countries around Russia that used to be parts of a larger union called The Union of Soviet Socialists Republics, however, inRead MoreGeography: The Country of Russia Essay examples2979 Words   |  12 PagesGeography The Country of Russia is within the Asian continent and its capitol of Moscow located at Latitude 55*45’07† N Longitude 37*36’56†E and is 495 ft (151m) above sea level. Russia, also known as the Russian Federation, has a land mass measured at 6,592,850 square miles and is almost twice as big as the next largest, Canada, and 70 times larger than the UK – and its size has always been the basis of its colossal potential strength. This country is the world’s largest country based on area andRead MoreRussias Population : The Culture And Geography Of Russia875 Words   |  4 Pagesnearly twice the size of Canada, Russia’s population ranks sixth in the world, and is spread across 5,000 miles from the Baltic Sea in the west to the Pacific Ocean in the east. Russia borders 14 other countries, spans 11 time zones and has a wide range of environments that include deserts, deep forests, and an arctic tundra. Russia contains Europe’s longest river, the Volga River, as well as its largest lake, Lake Ladoga. Its climate can be described as highly continental, from extreme cold in its northernRead MoreWhat Is Russian Geography, History And Democratization Of Russia?1099 Words   |  5 Pagesto understand historic and present circumstances that shape the decision-making, especially those from Russian point of view. As a help in better understanding, Russian geography, history, demography and economy will be shortly analyzed. At the end is a brief overview of security issues Russia has produced in recent years. Russia is the biggest country in the world, stretching across 11 Time Zones, covering large part of Eurasia and 11.46% of global land mass. In spite of the size, majority of RussianRead MoreEvidence Geography Can Influence Russian Power Essay819 Words   |  4 PagesRussia, the largest nation in the world according to geographic terms is a country located in northern Asia, bordered by fourteen other countries (Kurian, 1), is one of the most powerful countries in the world. Besides military power, how did it get that way? The answer is simply, geography. Many people overlook the fact that geography has greatly influenced Russia’s power. Geography’s influence of Russian power starts in 1547 with Ivan IV, otherwise known as Ivan the Terrible, under his ruleRead MoreThe Importance of the Russian Steppes896 Words   |  4 Pagesâ€Å"Russia is a land of extreme geography, and has the world’s deepest lake and Europe’s highest mountain and longest river† (Curtis 125). Because Russian geography was so diverse and unlike that of any other country, Russia developed a culture that was unique and different from others. Throughout history, mountains such as the Ural Mountains, rivers such as the Dnieper River, and plains such as the Russian steppes have served an important role in the development of Russian culture and beliefs. MountainsRead MoreCultural Characteristics Of A Nation s Culture Essay1662 Words   |  7 PagesRussia has many cultural characteristics that have shaped the country we know today. A nation s culture can define its actions and make them more predictable as a state on the international level. Understanding a nation’s culture gives great insight into the motives and reasoning behind their aggression or acts of force. Factors such as geography, weather, political landscape, military, and key infrastructure provide a clear understanding of Russian culture and how it has shaped the nation overRead MoreThe Effects Of Russian Culture On Military Operations1668 Words   |  7 Pagesteach those lessons to our service members. Through those efforts, we have been able to win over many of the hearts and minds that we lost during the early part of the 1990’s and 2000’s. Continuing these practices in the future, with countries such as Russia, will allow us to overcome many of the mistakes and problems we have encountered in the past. This paper is the culmination of my own personal thoughts and in no way reflects any official views or opinions of the United States government. As youRead MoreRussia And Their Lines Of Communication Essay1265 Words   |  6 Pagesalso be covering the geography of Russia and their lines of communication. Russia has multiple conflicts that the country has been a part of, but I will be discussing the Russian Civil War the three year war. Furthermore, I will be discussing is how weather affects Russia’s population, agriculture, and insurgency. Finally, I will be covering is Russia’s society, language, power and authority, etc. Russia’s geography is mixed between mountains, plains, and urban terrain. Russia is over six million

Tuesday, May 5, 2020

Caribbean Literature free essay sample

Based on different readings and lived experiences, the one question that always aroused is what effect do Caribbean women have on knowledge construction and ideas dispersed? The purpose of this research is to demonstrate the intellectual culture among Caribbean women. In addition to displaying their cultures, this research looks to clarify and bring to the surface the lifestyle that Caribbean women have faced, is facing and have taken into their own account to write and speak about. This research also includes the Caribbean’s women perspectives on social circumstances, economics, colonialism and the history that either them or their ancestors endured. This research paper explains the intentions of the research topic, which is to investigate and indicate some of the challenges and problems through which Caribbean women have encountered. What defines this project and really made it interesting is the ideology that unless a Caribbean woman has transformed herself into what the colonized wanted, then she has no intellectual culture. We will write a custom essay sample on Caribbean Literature or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It is a topic in which one can entirely study to gain knowledge of how Caribbean women had their own consciousness before they were colonized. The desires to understand how Caribbean women were able to stay strong and keep their beliefs despite of the world that they knew. Also, for those that did assimilate to the world that stood before them, was it hard for them to regain their mindset and their way of life? These are questions that aroused in hopes to carefully and adequately the minds of Caribbean women to completely recognize their transformation. The impression that this research is expected to portray is to enlighten individuals to rethink their understanding of not only the women in the Caribbean but also the Caribbean itself. The comprehension about these women was constructed, deconstructed and then reconstructed. This research is created to deeply understand the true reality of women in the Caribbean. In this research I argue that Caribbean women have more to themselves then many think. They have a strong intellectual mindset and culture and that is what my research will depict.