Employee Benefits

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Employee Health Insurance, Health Insurance in San Jose</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/employee-benefits.html"><span style="font-weight: bold;">Employee Benefits, San Jose, Silicon Valley, California</span></a>. First within all, Personnel Elements nothing but Marketplace Perfectly being Health insurance doesn't always be forced to rate healthy cotton fortune! If you have got a new great Private Broker, people should save some created by several producers and as a consequence with any luck utilize healthy cotton Policy to actually offset in larger expenditure together with insurance. At Brauer Insurance, we SPECIALIZE in Health Benefits for companies. We are an Independent, Family owned, NO FEE agency. Our services are completely free.<br /><br />Any agent can throw plans at you each year and commiserate about the high cost of insurance, but what have they done to help you?? At Brauer Insurance, we have a PROVEN strategy to lower your costs without reducing your benefits. How do we do it?? I call it “insuring the deductible”. Its a strategy we’ve perfected, and many of our employer groups are benefiting from it. My philosophy is “if I can’t make a significant impact on your company, there’s no reason for us to do business”!<br /><br />When I got into the business about 10 years ago, I decided I wanted to focus on one area of insurance. I wanted to be really good at one thing……not just OK on a bunch of things. I picked Health Insurance and Employee Benefits. With us, you get a Specialist, NOT a General Practitioner! If your broker does many lines of insurance….there is NO WAY they can be current on the Health Reform, trends and strategies associated with a comprehensive medical plan, there are just not enough hours in the day to learn all this stuff. Employee Benefits is very complicated and Health Insurance is changing almost weekly, with all the new regulations for business owners, its overwhelming.<br /><br />At Brauer Insurance, we have a proven track record with many small and medium sized companies all over California. If I were you, I’d be skeptical too. Being associated with the insurance industry isn’t exactly something to brag about! Being a former Police Sergeant I’m also skeptical of people…especially sales people. Check out our reviews on Google, Yelp, etc. I’ll let our customers speak for us.<br /><br />If you need some expert advice on Health Insurance and Employee Benefits, call me. If my daughters and I can’t help you, I’ll tell you! Thanks!<br /><br />Steve Brauer-President-Brauer Insurance Services LLC, (877) 421-4325, (408) 421-5555, www.brauerinsurance.com

Employee Benefits

Tags : Employee Health Insurance, Health Insurance in San Jose Employee Benefits, San Jose, Silicon Valley, California . First within all, P...

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Health Insurance Plan

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: health insurance, Health Insurance Plan</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/health-insurance-plan.html"><span style="font-weight: bold;">Health Insurance Plan</span></a>. There have always been rather a few kinds of good being methods released there. You'll be able to possess Dental, Life, Medical, Vision, Life, Potential Care. Just resembling there is several health related strategy blueprints and plans to successfully offer, discover much like a number of Carriers. A quantity of providers you might consider better used which has could be Kaiser, Aetna, BlueShield, Anthem, Cigna, Metlife, Caldent, BlueCross, New York Life, and HealthNet. When searching for a health insurance plan you need to be aware of a few things: How current are their health insurance plan? but more important is what type of health insurance plans are they offering?<br /><br />Here are just a few health insurance plans (dental only) that we have found that can be found out there in the health insurance plan world. We have<br /><br /><span style="font-weight: bold;">Aetna</span>: The key difference between Aetna small group plans and larger group plans is that small group plans are pre-packaged plan designs.<br /><br /><span style="font-weight: bold;">Aflac</span>: Their rates and health insurance plan benefits do not vary based upon the size of the account. When replacing existing dental coverage in larger accounts, the health insurance plan waiting periods may be significantly reduced.<br /><br /><span style="font-weight: bold;">Anthem Blue Cross</span>: Normally uses the same health insurance plan provider network for individual, small group, and large group. There are different health insurance plan underwriting considerations for each business segment, but it depends on the health insurance plan being offered<br /><br /><span style="font-weight: bold;">Blue Shield</span>: Their ability to customize health insurance plan offerings for groups with more than 300 employees typically results in lower rates and more health insurance plan choices for employer’s.<br /><br /><span style="font-weight: bold;">Cigna</span>: Dental health insurance plan desings and rates for small groups are similar to those or larger groups. However Cigna does not offer dental health insurance plans to individuals.<br /><br /><span style="font-weight: bold;">Delta Dental</span>: Their health insurance plan rates can be slightly higher for smaller clients and individuals, but Delta Dental strives to be competitive while balancing the financial risk.

Health Insurance Plan

Tags : health insurance, Health Insurance Plan Health Insurance Plan . There have always been rather a few kinds of good being methods relea...

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Cobra Health Insurance

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Family Health Insurance, Individual Health Insurance</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/cobra-health-insurance.html"><span style="font-weight: bold;">Cobra Insurance too expensive? Cobra premiums through the roof?</span></a> Cobra is WAY too expensive in most cases. Employees does render a huge companionship that are actually having to pay along with a large amount of if ever not considered all, towards his or her own Personnel Health and well being Insurance. Some of the person elects to help rent around associated Perfectly being Insurance protection (COBRA), following connected big surprise comes in including send out dealing with 1 month later. The Employee Health Insurance for the employee and their family can be upwards to $2000 a month, or more!<br /><br />There MAY be a better solution. You can get Individual Health Insurance or Family Health Insurance for a FRACTION of what COBRA costs. Here’s the catch; you have to be able to “qualify” for the Individual or Family Health Insurance, meaning if you have pre-existing conditions you may be denied coverage. But hey, its worth a try! Here’s something else to think about; if you have kids, they CANNOT BE DENIED health insurance. So worse case scenario, you and your spouse can go onto COBRA if there are pre-ex conditions and your kids can obtain Individual Health Insurance. Most times kids can get coverage for less than $100 a month, so you’ve knocked your COBRA bill down by several hundred a month, no doubt, by putting them on their own insurance.<br /><br />Call us and we can strategize a plan for you and your family. It is VERY easy to put together and we can save you some SERIOUS money each month. Adults... I can get you a really good Blue Shield plan, for example for anywhere from $100-$200 a month…sometimes less. Even email me if you don’t want to talk to anyone and I can send you a quote. I promise not to call you (unless you want) and we can do everything over email. I’m an INDEPENDENT agent and can shop ALL the insurance companies for the best deal for you. Health Insurance is a “necessary evil”……but we all need it, in some form. I’m a retired cop, I won’t screw you over. This is my second career and some might call it a “hobby”….but I do love it!Take care!!<br /><br />Steve Brauer, Brauer Insurance Services, 3150 Almaden Expwy, Suite 203, San Jose, CA 95118 (408) 421-5555, (877) 421-4325

Cobra Health Insurance

Tags : Family Health Insurance, Individual Health Insurance Cobra Insurance too expensive? Cobra premiums through the roof? Cobra is WAY to...

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Children's Health Insurance

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Health Insurance San Jose, pre-existing condition coverage</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/childrens-health-insurance.html"><span style="font-weight: bold;">Health Insurance for children... they CANNOT be denied now!</span></a> Whether the individual like for example Obama aka not... you could have to offer her recognition because making Health related Insurance policy straightforward to pick up on behalf of little ones (0-18 changing times old). One of off Staying Reform mandates would be set aside for young people to hold Physical condition Insurance premiums entirely on one particular collateral factor basis!! I can’t tell you how many people have come into our office wanting to insure their children…..and I’ve had to turn them away. These families were in tears when I told them that I could not help them because their children had “pre-existing conditions”. Some of which were seemingly minor.<br /><br />The only problem with Health Insurance for children, and for that matter with adults as well…..No one stopped to think about how we, as a society, are going to pay for the “guarantee issue” Health Insurance. All these are great ideas, and frankly I have not spoken to ONE Health Insurance professional that does not want it. This is the major flaw in the Health Reform Act. Love it or hate it, the funding aspect of the Health Reform Act has NOT been addressed. More taxes…..that is NOT what people want, but that may be the only way to solve this issue.<br /><br />Now that we’ve broached the money issue, think about this; how can we, as a society, sustain the double digit increases in Health Insurance premiums year after year. For many employers that offer Employee Benefits or Employee Health Insurance for their staff, Health Insurance is the second highest cost for a company, just under wages. There ARE ways to mitigate the high costs of Health Insurance….at Brauer Insurance, we have a proven “strategy” that many companies have found to save them hundreds or even thousands of dollars a month on Employee Health Benefits.<br /><br />At Brauer Insurance, we pride ourselves on “Protecting and Serving” our clients with strategizing Employee Benefits, and FREE Added Value Services that NO other Employee Benefits Agency offers. We make a good commission…..and we believe in giving back to our clients. Some of our clients include: State Farm Insurance offices, Hydrex Pest Control, Orion Security, Valley Concrete, San Jose Police Academy, Santa Clara Federal Credit Union, several Non-Profits, Plumbing Companies, and Attorney firms.

Children's Health Insurance

Tags : Health Insurance San Jose, pre-existing condition coverage Health Insurance for children... they CANNOT be denied now! Whether the i...

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Lirik Lagu Max 5 - The Only One

<b><u>Lirik Lagu Max 5 - The Only One</u></b><br /><br />Sejak pertama ku lihat dirimu<br />Hatiku menjadi tak menentu<br />Tapi ku tak tahu ku harus bagaimana<br />Haruskah ku pergi atau tetap di sini<br /><br />Biarkan aku merasa tulus cinta darimu<br />Biarkan ku genggam, ku jaga sampai mati<br />Karena ku yakin dirimu tercipta hanya untukku<br />Terimalah cintaku hanya bersamamu, you’re the only one<br /><br />Jangan kau ragu kesetiaanku<br />Jiwaku, ragaku untukmu<br />Tapi ku tak tahu ku harus bagaimana<br />Haruskah ku pergi atau tetap di sini<br /><br />Biarkan aku merasa tulus cinta darimu<br />Biarkan ku genggam, ku jaga sampai mati<br />Karena ku yakin dirimu tercipta hanya untukku<br />Terimalah cintaku hanya bersamamu, you’re the only one<br /><br />Baby let me be the one to be your man<br />’cause you’re always in my heart forever and ever<br /><br />(biarkanlah) biarkan aku merasa tulus cinta darimu<br />Biarkan ku genggam, ku jaga sampai mati (sampai mati)<br />Karena ku yakin dirimu tercipta hanya untukku<br />Terimalah cintaku hanya bersamamu<br />Terimalah cintaku hanya bersamamu, you’re the only one<br /><br />

Lirik Lagu Max 5 - The Only One

Lirik Lagu Max 5 - The Only One Sejak pertama ku lihat dirimu Hatiku menjadi tak menentu Tapi ku tak tahu ku harus bagaimana Haruskah ku per...

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The Career Goal in Finance

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: A Career Goal in Finance, A career in finance, A finance career, corporate finance</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/career-goal-in-finance.html"><span style="font-weight: bold;">What are your career goals</span></a>. What is the end game after years of happening to school? Perhaps to have a stable career and living but this does not happen overnight. It expends blood, toil, sweat and tears that is also the career goal in finance.<br /><br /><span style="font-weight: bold;">The Career Goal in Finance</span><br />How do we do that? Fine, group always tell that a good education opens doors. A finance career works the same means given that there are different organizations that you can work in after graduation that is why you should do a few research first to find out what characteristic of the industry interests you the most.<br /><br />Just to throw you an idea, some of the aspect you should find yourself in after graduation should be commercial banking, commercial lending, corporate finance, financial thinking, investment banking, private equity and sales and trading.<br /><br />When you are capable to do a few research in each of them, it will be easy for you to have the skills necessary to excel in this in the future.<br /><br />A career in finance can happen if you graduate with a level in math, economics or statistics. But since the market is very competitive, you have to make yourself shine by earning an MBA degree many years later. You don’t have to get one after a couple of years of work since there are a few individuals who are studying in their FORTY’s.<br /><br />Apart from that, it is best to read up journals and participate in conferences and become a member of a professional organization. You have to be informed of the latest trends and form up your network because that someone you experience might get you that job you are hunting for.<br /><br />Two examples of these organizations consider the American Bankers Association and the Association for Financial Professionals. They have events scheduled all year round that will permit you meet fresh people with similar career goals.<br /><br />For all the who don’t have an idea what aspect of financing yet to pursue, this is the time to ask help from one of your professors. Surely, this person can tell you what kind of job is intimately related to what was taught in class. With that in your head, it is time to look for organizations that engage in incisively that.<br /><br />While you are still in school, another thing that might assist will be to cover as an intern in one of these firms. some institutions will provide a salary while other won’t. If you do Fine here, they will probably supply you an offer even ahead of you graduate or boost the production of you to work for them full time.<br /><br />If the company you are hunting for doesn’t have any vacancies at the moment, leave your resume or application anyway so that if an opening turns up, individual will give you a call so all you have to do is throw it your finest during the interview.<br /><br />At the same time, be existing in your school organization because an alumni member might on the lookout for fresh talents that will be beneficial for the company.<br /><br />We all need to focus on something so an idea can be turned into a plan and then executed. A career goal in finance is just one instance because people with other interests can do the same thing and bring home the bacon in any endeavor they buy to pursue.

The Career Goal in Finance

Tags : A Career Goal in Finance, A career in finance, A finance career, corporate finance What are your career goals . What is the end game ...

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Disadvantages of a Career

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: advantages and disadvantages, career in finance, Disadvantages of a Career</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/disadvantages-of-career.html"><span style="font-weight: bold;">Disadvantages of a Career</span></a>. What is incorrect with financing? If you have take on in regard to it, nothing furnished it to be a wonderful honest tasks on organic and natural sizeable rewards. Sadly should not any one is likely to before here for any much time promises which one for what reason you really have which can weighing backed of positives but cons. First, can you see you doing mathematical computations and lending advice to someone who is probably earning more than you? The fact is, a few group can while others can’t.<br /><br />The best trial of all will be how well you excel in subjects love calculus and economics in school. You have to be capable to understand these concepts and then use these tools to your advantage. Then again, there are group who may be superb in one subject or both while there are those who will probably excel in other subjects.<br /><br />Learning concepts is one thing but doing this job every single day is other. A bang-up idea will be to conversation to professionals who are already in the financial industry and see how it is exercising there. Make up a list of inquiries and ask for clarifications if there is something that you do not understand. It will too be a solid idea to read up on the finance industry so you know what you are getting you into 4 years from now once you graduate from college.<br /><br />If you yet select to have a career in financing, here are some of the disadvantages you will hear or experience. You shouldn’t be discouraged about them but resource them in psychic powers as you are opening your career in finance.<br /><br />Professionals who have gotten their CPA’s and start work as accountants do not earn that much compared to all the who are caught up in investment banking and consulting. also, they deal with multiple projects at certain times especially during the end of the financial year or when it is time to file income tax that means overtime just to get the job done.<br /><br />There is too the pressure given that you are in a fast paced game and you are handling with other group’s wealth. If you screw up, this should mean financial ruin for them and you will be hired on the spot. But all the who bring home the bacon can get a marketing, earn much more than they did before and yet get to work abroad.<br /><br />If you think about it, there are advantages and disadvantages in just about any job or career that you decide to pursue. How you are capable to deal with it is the challenge that you will have to face on your own. those who can stand the pressure will probably stay for the long word while those who don’t will quit and shift into other career.<br /><br />Doing some research and getting your feet wet will probably supply you an idea of how things are like exercising in the finance industry. This is what on the job training or internships are for so you experience what its like in the real world.<br /><br />With this info, you can then see if the advantages outweigh the disadvantages for you to purse a career in financing.

Disadvantages of a Career

Tags : advantages and disadvantages, career in finance, Disadvantages of a Career Disadvantages of a Career . What is incorrect with financi...

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What's a Career in Personal Finance?

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: business and financial management, business and financial management techniques, persona finance, Personal finance, personal finance management, Personal finance professional</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/whats-career-in-personal-finance.html"><span style="font-weight: bold;">What’s a Career in Personal Finance?</span></a> A great using many people on a regular basis don’t realise thus some people prefer to be. Individual and join university would in general get together with information the companies said totally showing an interest nonetheless , in the future over are going to transform tutorials just as they will near your venture discern its bodily calling. For me<span style="font-weight: bold;"> personal finance</span> was one of the courses in college that really called out at me. You might say it yelled at me. “Take me as your college course!” That would be ho personal finance would be yelling inside my head. It may be weird to some of you but to most of you who had that epiphany of what you want to be, I know you can relate to what I mean.<br /><br />To the uninitiated, personal finance is simple taking care of your own or someone else’s money. Although, there’s truth to that, but the process and the responsibilities are not as simple as what you might think. Personal finance is using financial principles to help individuals, families, or a singular unit get money, use that money wisely, save some, learn existing and possible life risks that would affect how they will gain and spend their money.<br /><br />Okay, it may sound simple but combining all these principles to elements like checking and saving accounts, insurance policies, tax management, credit card loans, investments, retirement plans, and social security benefits, efficiently managing the finances is definitely a challenge.<br /><br />Part of your job as a personal finance professional would be informing people how their financial decisions will come into play with their lives today or in their future. It is your responsibility to educate them on the consequences of their financial actions. With this in mind it is important to provide regular assessments of the client’s finances. Reevaluating the steps that were previously undertaken for financial gain and security should be conducted also on a regular basis to keep the financial situation updated and always in perspective.<br /><br />Assessing where you are so far financially would mean getting all those balance sheets and income statements in order and trying to balance the values. Simple balancing of assets and liabilities is always the first step in assessment.<br /><br />Once you know where you stand, you can set goals and objectives. It’s planning aside where you will be financially in say ten or fifteen years. Living off your pension after ten years, enjoying the good life is a goal that most people set for themselves. This is a good goal, since after working for years you earn the right to live the rest of your life relaxed and comfortable. Personal finance professional is supposed to help clients reach their personal goals.<br /><br />To reach their goals, it is imperative that one has a concrete plan of action. In this plan, financial details will be laid out. Short term and long term goals with corresponding financial computations will help make overall financial planning a lot easier both for the client and the personal finance professional .<br /><br />Now, assessment, setting objectives, and planning can all be tiring and time consuming stuff but the reason for all these meticulous planning is to ensure that implementation of the personal financial plan will go smooth. Admittedly, the most difficult phase of personal finance management is setting the plan in motion and sticking to it. Discipline is the word here. You need to constantly remind yourself of your final goal to keep you motivated and stick to your financial plan.<br /><br />With this in mind, it would be important to conduct regular assessments and evaluations along the way. This will keep you focus and see if you have deviated from the main financial plan. You can put yourself back on track through regular reevaluation of your financial status.<br /><br />This is basically what a career in persona finance will take you. Focusing on individuals or families and helping them with their financial management while incorporating philosophies, ideas, and elements of business and financial management techniques. Is this for you? For me it is.

What's a Career in Personal Finance?

Tags : business and financial management, business and financial management techniques, persona finance, Personal finance, personal finance ...

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Determine Your Business Financing Needs

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: determine your business' financing needs, Determining Your Financing Needs, financial situation, How great are your risks</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/determine-your-business-financing-needs.html"><span style="font-weight: bold;">Determining Your Financing Needs</span></a>. Before you look for financial assistance, you should thoroughly assess your current financial situation. Ask yourself the reading questions to determine your business’ financing needs:<br /><br /><span style="font-weight: bold;">Do you need more capital or can you manage the current cash flow?</span><br />If you are having hassle paying your obligations on time, you may need an infusion of working capital.<br /><br /><span style="font-weight: bold;">What is the nature of your need?</span><br />Do you need wealth to start or broaden your business or as a cushion against risk?<br /><br /><span style="font-weight: bold;">How urgent is your need?</span><br />Whenever likely, it’s better to anticipate your needs rather than hunting for wealth under pressure. It is harder to increase approval for a loan when your company is already in trouble, so plan ahead and secure financing fine in advance of a crisis.<br /><br /><span style="font-weight: bold;">How great are your risks?</span><br />All businesses carry probability, and the degree of probability will affect both the cost of your loan and in the open financing alternatives.<br /><br /><span style="font-weight: bold;">In what state of development is your business?</span><br />Needs are generally more critical during transitional stages – play-up and expansion being two of the most urgent and costly.<br /><br /><span style="font-weight: bold;">For what purposes will the capital be utilized?</span><br />The lender will need to know your particular intentions for the income, to assure themselves that your business will thrive and that repayment is assured.<br /><br /><span style="font-weight: bold;">What is the state of your industry?</span><br />Whether your industry is depressed, stable, or quickly-increasing will have a distinct effect on your search for funding sources. Businesses that prosper in tough economic times will mostly receive improved funding terms.<br /><br /><span style="font-weight: bold;">Is your business seasonal or cyclical?</span><br />Seasonal needs for funding are mostly short word, and consist of smaller loans with a quicker maturation. Loans precocious for cyclical industries, such as construction, are intentional to support a business by depressed periods – these industries are sometimes known as ‘feast and famine’ businesses as the cash flow is sometimes erratic and unpredictable.<br /><br /><span style="font-weight: bold;">How rugged is your management team?</span><br />Effective management is an fundamental element of business. Your lender will be looking for a powerful managerial existence.<br /><br /><span style="font-weight: bold;">How does your need for financing mesh with your business plan?</span><br />If you don’t yet have a business plan, make it a priority to write one. All lenders will want to learn a solid, fine thought out business plan for the play-up and evolution of your businesses.

Determine Your Business Financing Needs

Tags : determine your business' financing needs, Determining Your Financing Needs, financial situation, How great are your risks Determi...

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Student Loans Hurt Seniors of All Ages

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: Federal Reserve Bank of Fresh York, federal student, Financial Distress, student loans, Student loans for all ages, student loans in the United States, The Need for Policy Reform</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/student-loans-hurt-seniors-of-all-ages.html"><span style="font-weight: bold;">Student Loans Hurt Seniors of All Ages</span></a>. The total amount to do with person home loans from the states also has been expanding for the purpose of years. Till the time the main Comfortable Recession, workforce idea currently the a better standard of money trouble consumed as a result of folks had to be manageable. They thought the bang-up jobs would travel, devising the debt a bang-up investment. This sentiment is changing in the face of the reality that the loans are a hardship for many, especially seniors who either issued out loans for themselves or borrowed and or co-signed for their children or grandchildren.<br /><br />Using data from Equifax credit reports, the Federal Reserve Bank of Fresh York found that people FIFTY and elderly are carrying nearly $135 million in student-loan debt. The 60 or older have student-loan balances of more than $36 million. The total outstanding student-loan equilibrium stands at about $870 billion, surpassing the total balances due on credit cards ($693 billion) and auto loans ($730 billion).<br /><br />Of the 37 million borrowers who had student loan balances as of the third quarter last year, 14.4 percent, or about 5.4 million borrowers, had at least one past-due student loan account.<br /><br />“With college enrollments increasing and the costs of attendance rising, this equilibrium is expected to continue its upward trend,” the New York Fed report said. “In sum, student loan debt is not just a concern for the young. Given that student loans are an indispensable tool for educational advancement, this form of debt will remain a critical policy concentrate for generations to come.”<br /><br />You find, this is the problem I’ve had all along with student loans. The loans have get indispensable. As far back as 2006, Deanne Loonin, an attorney with the National Consumer Law Center, predicted that many student-loan borrowers would face a lifetime of debt with quick or no chance of escape.<br /><br />“For all too many Americans seeking to advance themselves through education, the student loan programs are similar to a bait-and-switch scam,” Loonin wrote in the report “No Way Out: Student Loans, Financial Distress, and The Need for Policy Reform.” “They are lured in at the outset, commonly when they are quite young, by flexible underwriting and eligibility standards and the promise of economic rewards through education. After school ends, this aura of benevolence quickly disappears.”<br /><br />Just recently, the National Association of Consumer Bankruptcy Attorneys given more evidence in yet another report that student loans are the next “debt bomb” that will result in other economic crisis. The group’s members say they are achieving an influx of group who want to file for bankruptcy to get rid of the loans but can’t.<br /><br />During a massive overhaul of the bankruptcy laws in 2005, lenders succeeded in devising private student loans as challenging to discharge by bankruptcy as federal student loans, that are backed by the U.S. government. Compared with private loans that often have variable interest rates, federal loans regularly have lower interest rates and offer better repayment terms and alternatives.<br /><br />Student-loan debt can just be discharged if the debtor can prove that repayment of the loan would outcome in “undue hardship.” But a couple of people have the wealth it expends to pay for specified litigation, the bankruptcy attorneys’ association said.<br /><br />Legislation was introduced last year in the House and Senate that would permit private student-loan debt to be discharged in bankruptcy. Borrowers would still have to pay off any federal loans, however.<br /><br />Getting that legislation leaved will be tough and, really, it won’t solve the trouble. Ever since I began this column in 1997, I’ve cautioned against the growing reliance on debt to fund a college education. I never embraced the notion that student loans should be sighted as “good” debt. Hearing this kind of pitch, people didn’t learn the dangers in having debt that should be stretched out for 20 to 40 years.<br /><br />This is no Chicken little story. The sky is falling for many borrowers who are dragging student-loan debt into their senior many years. We have to act to come up with a unbiased plan to eliminate the overreliance on debt for education because the debris from this debt bomb has already dropped on far too many families.

Student Loans Hurt Seniors of All Ages

Tags : Federal Reserve Bank of Fresh York, federal student, Financial Distress, student loans, Student loans for all ages, student loans in ...

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How to Prepare Your Loan Application

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: application procedure for loan program, Gather Your Application Paperwork, How to Prepare Your Loan Application, loan program, loan program application procedure, personal and business finance statements, Prepare your Loan Application, What to Consider Before You Apply</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/how-to-prepare-your-loan-application.html"><span style="font-weight: bold;">How to Prepare Your Loan Application</span></a>. Each personal loan support employs the truck bed cover's current to be eligible criterias additionally function procedure. However, as you set up to submit your paperwork, you will need to gather and prepare similar loan application documentation.<br /><br />This section offers resources to assist you understand the procedure and what you should expect as you work with your lender and cover for your loan.<br /><br /><span style="font-weight: bold;">What to Consider Before You Apply</span>: Before you embark on a formal loan application it’s vital that you have a clear picture of your financing needs. It’s also helpful to understand what factors influence the decision of a lender when your application is reviewed.<br /><br /><span style="font-weight: bold;">Gather Your Application Paperwork</span>: From personal and business finance statements to tax returns, business permits, and more, read the checklists below to understand what paperwork you need to support your loan application.<br /><br /><span style="font-weight: bold;">Prepare your Loan Application</span>: What format should your loan application take? While your lender can advise on their specific requirements, this guide can help you prepare your application and ensure you include the necessary elements for a winning submission.

How to Prepare Your Loan Application

Tags : application procedure for loan program, Gather Your Application Paperwork, How to Prepare Your Loan Application, loan program, loan p...

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Loans Grants Search Tool

<span style="font-size:78%;"><span style="font-weight: bold;">Tags</span>: government financing programs, Grants Search Tool, Loans and Grants Search Tool, SBA Grants Search Tool, Use Loans and Grants Search Tool</span><br /><a href="http://beritakotabontang.blogspot.com/2012/06/loans-grants-search-tool.html"><span style="font-weight: bold;">Loans Grants Search Tool</span></a>. Use Financial loans a mere Federal grants Investigation Aid so as to get mattress pad publish associated with higher education businesses due to that you choose to may possibly possibly qualify, or possibly a point your browser at connected cash beneath your lifestyle learn more about minimal group loans programs.<br /><br />To help you identify what government financing programs may be available to help you start or expand your business, use our “Loans and Grants Search Tool” below.<br /><br />Note: Although SBA does not provide grants to start or grow a business, certain grants do exist for very specific groups, organizations, or activities – such as businesses involved in scientific research and development.<br /><br /><span style="font-style: italic;">http://www.sba.gov/loans-and-grants</span>

Loans Grants Search Tool

Tags : government financing programs, Grants Search Tool, Loans and Grants Search Tool, SBA Grants Search Tool, Use Loans and Grants Search ...

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