PART 1
Current and former college students are falling behind big time. Not in life, but financially. This is not because they cannot get a job or are spending too much. It is because they have too much to pay back in studetns loans. Two words that haunt college students throughout life. Ms. Ramine has loans that add up to $79,000 but by the time she pays them back over the course of 25 years, she will have actually have paid $211,000 due to intrest rates although she is still making her payments on time. Students all over the country are going through such things and this is causing most of them to hold off future plans such as weddings, children, and even vist family that live far away.
Students are taking college loans beacuse they are confused and have no idea what they are doing. At the time they apply for loans, it all sounds like a great deal and something that should be able to pay back in no time. But actually, they are wrong. By applying for loans you are securing yourself in debt for years and years to come.
The difference between a government student loan and a private student loan is that a government student loan is money that ithe government gives you that you don't have to pay back. Some examples are scholarships and grants. However, a private loan is where you go to a private company, and they give you a loan so that you can pay for college but you MUST pay it back. Also, this money has an interest rate on it. So the longer that is takes you pay the money back, the more you are going to actually have to pay back. $79,000 may turn into $211,000 that you must pay back.
Deferring payments are so risky because the intrest rates go up and you have no idea what the payments are gong to be like. It is all because of the interest rates. They cause you to have to pay back a lot more than you oringinally signed up for.
PART 2
I know that one of the most popular government student loan programs is FastWeb. That is a company that gives out scholarships that you apply for so that it takes money off the cost for college. Some scholarships ranges from $50 to $10,000! A private students loan company are banks or credit card companies. Some examples are Discover, Wells-Fargo, and Citi-Financial.
Last year, all three companies that I had previously stated had all profitted. Although they all did give out large sums of money, the money that was paid back to them was more than they had given out, due to intrest rates, therefore, causing them to see a profit.
Some alternatives to taking out student loans are taking governement loans. The money that they give you, you don't have to pay back. Such things as going onto FastWeb.com and filling out applications for any scholarship that you think you qualify for. Also, if you go and fill out a FASFA, that is also a government funded program that gives out money depending on your parents income, taxes, and things of that nature. Finally, there is Bright Futures. If you take an elective class for 3 or more years and maintain a B average in those three years, Bright Futures will pay 75% of your college tution on top of the money you get from scholarships and FASFA.
Tuesday, April 24, 2012
Wednesday, April 18, 2012
4/18/12
PART 1
Today, many students are graduating high school earlier than in four years. Most in three years and some in even less time than that. How do they do it? They simply take senior required classes their junior year, and take all the other classes online. A great way to get an early start on college and life in the real world. But there are those who are skeptical of gradutating early. Some say that students are just not ready for college at the age of 17 or less. They need that extra year to really prepare them for thwat college is going to be like. Others think that it is a fantastic idea and it is a great way to think about retiring a year early and to get into your profession a year earlier.
As I previously said, some pros of graduating early are the fact that you can get a head start on your future profession. There instead of graduating college at 22, you graduate at 21, therefore giving you the chance to make more money. However, a con is that you may not be ready for college and colleges may not be ready to accept you due to your lack of high school exeperience.
Honestly, I have never considered early graduation. I want to enjoy my senior year with all my friends and do all the things there are to do in your senior year. I don't want to skip out on prom and class trips just to graduate a year ealier. However, if I were to graduate 2 years early, that is a totally different story. In that case, I would be all for it.
PART 2
The numher of students around the US who choose to graduate early is at around 5%. Most students want to graduate with their class or don't want to take all the extra classes on their free time when they could be doing other fun activities. And I don't blame them. I go to school for 10 months out of the year, the two months that I have off, I don't want to even think about school.
There are always the stories of kids who have attended college and within in the first two years or so, they realized that it wasn't for them and then dropped out. Then there are the stories where they go for the full four or however many years, graduate and then run a fortune 500 company, and finally, there are the stories where you have to students who don't go to college and then have a fortune 500 comapany. Which one will you be?
Today, many students are graduating high school earlier than in four years. Most in three years and some in even less time than that. How do they do it? They simply take senior required classes their junior year, and take all the other classes online. A great way to get an early start on college and life in the real world. But there are those who are skeptical of gradutating early. Some say that students are just not ready for college at the age of 17 or less. They need that extra year to really prepare them for thwat college is going to be like. Others think that it is a fantastic idea and it is a great way to think about retiring a year early and to get into your profession a year earlier.
As I previously said, some pros of graduating early are the fact that you can get a head start on your future profession. There instead of graduating college at 22, you graduate at 21, therefore giving you the chance to make more money. However, a con is that you may not be ready for college and colleges may not be ready to accept you due to your lack of high school exeperience.
Honestly, I have never considered early graduation. I want to enjoy my senior year with all my friends and do all the things there are to do in your senior year. I don't want to skip out on prom and class trips just to graduate a year ealier. However, if I were to graduate 2 years early, that is a totally different story. In that case, I would be all for it.
PART 2
The numher of students around the US who choose to graduate early is at around 5%. Most students want to graduate with their class or don't want to take all the extra classes on their free time when they could be doing other fun activities. And I don't blame them. I go to school for 10 months out of the year, the two months that I have off, I don't want to even think about school.
There are always the stories of kids who have attended college and within in the first two years or so, they realized that it wasn't for them and then dropped out. Then there are the stories where they go for the full four or however many years, graduate and then run a fortune 500 company, and finally, there are the stories where you have to students who don't go to college and then have a fortune 500 comapany. Which one will you be?
Monday, April 2, 2012
4/2/12
PART 1
Students in high schools all over the country are starting to crack down on dress code for their high school's prom. Mostly girls. The simple fact that most girls dresses are too revealing for a school event is causing high schools to take drastic measures. Facilty and staff at the high schools ranging from Conneticut to Arizona, are giving presentations on what is and what is not acceptable. The reason why the presentations are given is to (1) give the students a clear understanding of what is allowed and (2) to avoid turning girls away at the door for one of the biggest nights of their high school career. Although girls are mostly the problem, men (not boys) are not exempt. They are not allowed to have pants that sag below the waist, have canes, hats, jeans, ect. Also, they must keep their shirt on all night. It is said that the staff "doesn't care if you work out. " But I say,"hey, if you have it, show it off."
This is fair. The fact that they give the students presentations and packets on what to wear and what not to makes it even more fair. Some schools have high expectations than others and don't allow somethings that others do. It is all about where you go. If they don't think something is acceptable, then it is not. They give the students plenty of time to advance to understand the dress code and get what is appropriate.
I would have a dress code in place but not as strict as we are reading about in the article. Probably somewhat of what we have here at Pine Ridge. Not too over the top. It is your high school prom. You should be able to enjoy it. Not have to dress like you are going skiing.
In my opinion this policy will work. I mean it works here at Pine Ridge so I'm pretty sure it will work in another place.
PART 2
There are some stores online that around this time of year have specially a section for prom. For men, we have Men's Warehouse and for women they have stoes like Dillards and Macys. Around this time of year you will see stores such as these and many others adveritse specials for prom. Also company's for limos. Around this time of year they park outside the school to advertise specials that they have for a group to go to prom. There are also other factors such as dinner, hotels, tickets, ect.
My experience with prom last year was mediocre. To be totally honest, I didn't really enjoy it. The group I went with was not the group that I wanted to be with. The theme was not that great. The dancefloor was way too crowded and it just was not what I expected. Then I didn't get to go to the hotel afterwards because I was conned into staying somewhere I didn't even want to stay. But after all of that, I told myself that despite that fact I did not really have a good time, I am going again my senior year. But this time I will do it the way I want to. Go with the group that I want to, stay in the hotel afterwards, ect.
Was it worth the money. Last year,,,no. But this year I feel like it is going to be a different story. I am going with the same group of people that I went to homecoming with and if that was any indication of how prom is going to be, I am looking forward to it!
Students in high schools all over the country are starting to crack down on dress code for their high school's prom. Mostly girls. The simple fact that most girls dresses are too revealing for a school event is causing high schools to take drastic measures. Facilty and staff at the high schools ranging from Conneticut to Arizona, are giving presentations on what is and what is not acceptable. The reason why the presentations are given is to (1) give the students a clear understanding of what is allowed and (2) to avoid turning girls away at the door for one of the biggest nights of their high school career. Although girls are mostly the problem, men (not boys) are not exempt. They are not allowed to have pants that sag below the waist, have canes, hats, jeans, ect. Also, they must keep their shirt on all night. It is said that the staff "doesn't care if you work out. " But I say,"hey, if you have it, show it off."
This is fair. The fact that they give the students presentations and packets on what to wear and what not to makes it even more fair. Some schools have high expectations than others and don't allow somethings that others do. It is all about where you go. If they don't think something is acceptable, then it is not. They give the students plenty of time to advance to understand the dress code and get what is appropriate.
I would have a dress code in place but not as strict as we are reading about in the article. Probably somewhat of what we have here at Pine Ridge. Not too over the top. It is your high school prom. You should be able to enjoy it. Not have to dress like you are going skiing.
In my opinion this policy will work. I mean it works here at Pine Ridge so I'm pretty sure it will work in another place.
PART 2
There are some stores online that around this time of year have specially a section for prom. For men, we have Men's Warehouse and for women they have stoes like Dillards and Macys. Around this time of year you will see stores such as these and many others adveritse specials for prom. Also company's for limos. Around this time of year they park outside the school to advertise specials that they have for a group to go to prom. There are also other factors such as dinner, hotels, tickets, ect.
My experience with prom last year was mediocre. To be totally honest, I didn't really enjoy it. The group I went with was not the group that I wanted to be with. The theme was not that great. The dancefloor was way too crowded and it just was not what I expected. Then I didn't get to go to the hotel afterwards because I was conned into staying somewhere I didn't even want to stay. But after all of that, I told myself that despite that fact I did not really have a good time, I am going again my senior year. But this time I will do it the way I want to. Go with the group that I want to, stay in the hotel afterwards, ect.
Was it worth the money. Last year,,,no. But this year I feel like it is going to be a different story. I am going with the same group of people that I went to homecoming with and if that was any indication of how prom is going to be, I am looking forward to it!
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