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Consolidate Private Student Loans With Fixed Interest Rate How To Guide

Posted on March 19, 2022March 20, 2022 by Admin

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By Larry Donaldson

If you took out multiple private student loans while in college, you are probably now swimming in a sea of paperwork each month. Having more than one student loan often means having to make payments to different lenders at different times of each month.

Another common challenge is that some your private loans may have variable interest rates, while others have fixed rates. And, it is highly likely that your loans are at different interest rates altogether.

Besides the complexity of having multiple private student loans to deal with, most grads also have trouble making the payments. Having to be responsible for multiple student loan payments is not something that many college students give much thought to during school. But, once graduation is over, reality sets in. And, the payments can easily run into the hundreds of dollars or more each month.

When Private Student Loan Consolidation Makes Sense

For graduates who have taken out multiple student loans and are now having trouble making their loan payments each month, private student loan consolidation can help.

Simply put, consolidation is the act of paying off all of one’s outstanding loans in full with the money received with from new, consolidation loan.

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How Can Consolidation Help?

Consolidation loans can be helpful in many ways. First, they simply your life by making you responsible for just a single payment each month.

Next, they can actually lower your payments in one or both of two ways:

a. By lowering your rate

b. By stretching out your payments over more time, say from 10 years to 20 or 30 years.

Finally, consolidation loans can be negotiated at a fixed rate, which means you can lock in your new low rate over the life of the loan.

How To Consolidate Private Student Loans With A Fixed Interest Rate

If you are wondering how to get the best deal on a fixed interest rate private consolidation loan, here are some tips that can help:

1.Calculate your current interest rate: In order to determine whether any would-be offer you get is worth going for, you are going to want to start by figuring out the weighted average of your existing loans’ rates. For example, if you currently have three loans at 5%, 3% and 2.5% interest rates, you would calculated the weighted average interest rate as follows.

First, figure out what percentage of your total outstanding balance is represented by each loan. Let’s say that the answer is 20%, 30% and 50%, respectively. Just multiply these percentages by the interest rate for each loan and add them together, as follows:

(20% x 5%) + (30% x 3%) + (50% + 2.5%) = weighted average interest rate

2. Figure out your ideal repayment period: Use an online loan calculator and plug in your current outstanding balance (total across all loans) and your desired new interest rate. Then, plug in different repayment periods like 20 years, 25 years and 30 years. See how each one affects both the monthly payment amounts and the cost of your loan.

3. Build a list of at least 5 private consolidation lenders: Now, it’s time to do your research. Make a list of at least 5 lenders. Don’t skip this step – remember, more offers is always better than fewer!

4. Contact and apply with all 5 lenders: Now, take the time to contact and actually apply for a consolidation loan with each lender. hint: be sure to apply for the same repayment period so that you can compare the offers equally.

5. Compare offers: Compare each offer you get separately, and be sure to read the fine print. The most important piece of information to look at is the interest rate of each offer.

Follow these tips to get the best-possible deal on a fixed interest rate loan.

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Tomatoes, watermelons, peppers reduce stroke risk, Finnish study suggests

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Tomatoes, watermelons, peppers reduce stroke risk, Finnish study suggests

Posted on March 18, 2022March 19, 2022 by Admin

Tuesday, October 9, 2012

A Finnish study has indicated that having higher body levels of lycopene — a red chemical occurring in tomatoes, watermelons, grapefruit, peppers, and papaya — may reduce the risk of stroke. The research for the study, which is in the issue of medical journal Neurology released today, examined 1,031 men aged between 42 and 61 over a period of twelve years on average.

The study, which was financed by the Lapland Central Hospital, found that the men with higher amounts of lycopene in their blood system experienced fewer strokes than men with lower levels. Eleven strokes occurred amongst the 259 men in the highest of the four lycopene level categories while 25 of the 258 men in the categories with the lowest lycopene level categories experienced strokes. This suggests a stroke was 55% less likely if one had a high amount of the chemical in one’s diet than if one had a low amount.

“The results support the recommendation that people get more than five servings of fruits and vegetables a day,” said Dr Jouni Karppi of the Department of Medicine at the University of Eastern Finland. Eating these types of foods in such quantities “would likely lead to a major reduction in the number of strokes worldwide, according to previous research”, the primary author of the study continued. He added that inflammation and blood clotting — the cause of ischemic strokes, the most common type of stroke — occurred less frequently.

In the US state of New York, Lenox Hill Hospital Center for Stroke and Neuro-Endovascular Surgery director Dr. Rafael Ortiz said that, alongside exercise and non-smoking, “diet is very important” for reducing the likelihood of stroke. However, these results “should not deter people from eating other types of fruit and vegetables as they all have health benefits and remain an important part of a staple diet”, according to Dr Clare Walton of The Stroke Association in the UK.

The results came as part of a wider study on cardiovascular disease development risks. The United States Department of Agriculture also registers high concentrations of lycopene in tomato purées, pastes and sauces. All those surveyed lived in, or in close proximity to, the Finnish town of Kuopio, where the University of Eastern Finland is located.

Retrieved from “https://en.wikinews.org/w/index.php?title=Tomatoes,_watermelons,_peppers_reduce_stroke_risk,_Finnish_study_suggests&oldid=3403442”

MG Rover sold to Nanjing Auto

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MG Rover sold to Nanjing Auto

Posted on March 16, 2022March 17, 2022 by Admin

Friday, July 22, 2005

Administrators PriceWaterHouseCoopers (PWC) have announced that the British car company MG Rover and its engine manufacturer Powertrain Ltd has been sold to Chinese company Nanjing Automobile for an unknown sum of money. The company beat bids from Shanghai Automotive (SAIC), despite being the smaller of the two.

MG Rover collapsed this Spring, after struggling to make a profit for several years.

SAIC had tried to buy only the engine plant and then transfer it to China, but in June Nanjing Automobile approached PWC with a combined bid for both the car manufacturing company and Powertrain. This Monday SAIC bid for both but the offer was inferior to Nanjing’s.

Nanjing has indicated that it too will move the engine production plant to China, along with some car manufacturing. However it also intends to continue building cars in Britain, and establish an engineering research and design centre there in an effort to expand its sales globally. Nanjing intends to start hiring at once.

Retrieved from “https://en.wikinews.org/w/index.php?title=MG_Rover_sold_to_Nanjing_Auto&oldid=849156”

Anti-junta demonstrations grow in Bangkok

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Anti-junta demonstrations grow in Bangkok

Posted on March 16, 2022March 17, 2022 by Admin

Monday, June 11, 2007

Anti-junta demonstrations in Bangkok reached their largest point yet on Saturday night, when between 10,000 and 15,000 protesters marched from Sanam Luang to the Royal Thai Army headquarters to call for the resignation of Council for National Security chairman General Sonthi Boonyaratglin.

Yesterday, Sonthi, the leader of last year’s coup d’état, rejected the protesters demands, saying he would remain as chairman of the military’s governing body in the best interests of Thailand, and that he wasn’t doing the job for personal gain.

“And I doubt the motives of these people who are organizing the rallies,” Sonthi was quoted as saying by The Nation newspaper.

The demonstrations continued yesterday, albeit smaller, with crowds estimated at 3,000. The organizer is People’s Television (PTV), a satellite television station that supports ousted prime minister Thaksin Shinawatra. Organizers have vowed to continue the demonstrations until the junta gives up power.

The protest movement has grown over the past two weeks, after the junta partially lifted the ban on political activities, and since a Constitutional Tribunal ruling that dissolved the former ruling Thai Rak Thai party, which was led by Thaksin, and banned 111 of the party’s officials from politics for five years.

The government has tolerated the protests, if only just barely. Text messages were sent out by the junta to mobile-phone subscribers, asking them to stay away from the protests. Police have surrounded the demonstration venue, Sanam Luang, an open field near the Royal Palace in Bangkok, an in effort to keep the demonstration contained.

But Saturday night, the 1,000-strong riot force, using only shields and no other weapons, was unable to keep the crowd, estimated at up to 15,000, in place. “We could not repel them and that has to be fixed,” Manit Wongsomboon, commander of Metropolitan Police district 1, was quoted as saying by the Bangkok Post.

Sonthi said he did not view the situation as serious or see a need to impose a state of emergency.

“There is nothing to worry about, they [protestors] can come, but everything will be within the rule of law,” he was quoted as saying by the Thai News Agency.

General Pongthep Thetprateep, spokesman for interim Prime Minister Surayud Chulanont, said the premier agrees.

“The PM is following the situation closely. No one wants to impose a state of emergency. It is the last resort. If they do not listen and assault officials and destroy things then it may be necessary. There is a better way out right now,” Pongthep was quoted as saying by The Nation.

Surayud, the head of the military-installed government, yesterday appealed for acceptance of the Thai Rak Thai’s dissolution by the public. He said several major policies implemented by the populist government of Thaksin would continue, including a low-cost medical scheme.

“We must thank the Thai Rak Thai party for creating and implementing projects which benefit poor people, but at the same time we must accept the verdict of the Constitution Tribunal on dissolving this party because it had committed several political blunders,” Surayud said in an address on television and radio.

Surayud had harsh criticism for Thaksin.

“The rule of law came under fierce attack from the powerful, the rich and cronies. Corruption washed through our government,” Surayud said. “Even Thaksin accepted that this was the case when he told Time magazine’s readers around the world a few months ago that ‘corruption in Thailand won’t go away, it’s in the system’. What shameful words for any ex-prime minister of our country to say, especially one who had promised to wage a war against corruption.

“I would like to ask you this: Do we want to allow those people with ill intentions to steal our nation’s wealth day-by-day? I don’t think we do.”

At the Sanam Luang rally on Saturday night, former senator Kraisak Choonhaven was attacked by around 70 demonstrators.

“You are not on our side. Go away,” one of the demonstrators shouted at Kraisak, according to a report in today’s Bangkok Post, which also published photos of the attack, showing one demonstrator launching a flying kick at the senator as he was rushed away by aides. The senator, a critic of ousted premier Thaksin, received some bruises.

“This is the rudest demonstration I’ve ever seen,” Kraisak was quoted as saying at a press conference by the Post. “Crowd control police had to exercise extreme patience in dealing with such a misbehaved mob.”

A new constitution, which the Constitutional Drafting Assembly began debating today, is being drawn up. One of the provisions of the draft charter is that once it is enacted, the Council for National Security will be no more.

The drafting assembly, which has been fractious, must approve or reject the draft in 25 days. If the draft is approved, a national referendum, scheduled to be held in mid-August, will be held. If the draft is rejected, the Council for National Security could choose a an old constitution. Most likely, that would be an amended form of the 1997 “people’s constitution,” a military spokesman was quoted as saying on Radio Thailand by the Bangkok Post.

Among the controversial points in the draft charter, is a provision to make Buddhism the state religion, a move that critics say could further galvanize Muslim insurgents in southern Thailand.

The drafting body disagreed on motions about Buddhism and the creation of a national crisis council, and the motions were dropped.

As the constitutional assembly begins, a hunger strike is taking place by Buddhist monks outside Parliament House.

The Constitutional Drafting Assembly chairman, Noranit Sethabutr, told the Thai News Agency that the body “would have to find the best and most peaceful way to push through the draft.”

In the wake of the dissolution of the Thai Rak Thai, a new anti-junta party has formed, with around 60 former Thai Rak Thai lawmakers as leaders.

The movement has been referred to by various names, including Khon Rak Thaksin Mai Oaw Padejkarn (Supporters of Thaksin Against Dictatorship) or literally, “Love Thaksin, No Dictatorship,” or simply, Democratic Alliance Against Dictatorship.

Retrieved from “https://en.wikinews.org/w/index.php?title=Anti-junta_demonstrations_grow_in_Bangkok&oldid=4466935”

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Posted on March 15, 2022March 16, 2022 by Admin

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Riots in Greece enter fourth night

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Riots in Greece enter fourth night

Posted on March 13, 2022March 14, 2022 by Admin

Wednesday, December 10, 2008

The riots in Greece that started on December 6 have entered their fourth night. These are the worst riots the Hellenic Republic has witnessed in decades.

The riots were triggered when Alexandros Grigoropoulos, a 15-year-old student, was shot and killed by police. The police claim that Grigoropoulos was throwing a bomb at them when they fired.

Cities throughout Greece have been hit by the unrest, not just Athens. Hundreds of shops and businesses have been destroyed.

“No one has the right to use this tragic incident as an excuse for acts of violence,” said Prime Minister Kostas Karamanlis, New Democracy party.

“The government cannot handle this crisis and has lost the trust of the Greek people,” George Papandreou of the Panhellenic Socialist Movement said. “The best thing it can do is resign and let the people find a solution … We will protect the public.”

The rioters are organizing on the campus of National Technical University of Athens (Athens Polytechnic). A constitutional clause enacted after the overthrow of the Greek military junta of 1967–1974 prevents security forces from entering the campus.

The Guardian is reporting that the University is being used by young men and women to stock up on firebombs and break up marble slabs to throw at police. From behind their makeshift barriers, they vowed the unrest would become “an uprising the likes of which Greece has never seen.”

“We are experiencing moments of a great social revolution,” leftist activist Panagiotis Sotiris told Reuters. Sotiris is among those occupying a university building. “The protests will last as long as necessary,” he added.

“A switch has been flicked and the pressure cooker’s boiled over,” said David Lea, an analyst at {{w|Control Risks Group|Control Risks Group]] in [[London}}, to Bloomberg News. “There are certain places where anarchists are more likely to inspire violence, and that’s Greece.”

Two police officers have been charged in the shooting death of Grigoropoulos, who was buried on Tuesday.

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Posted on March 8, 2022March 9, 2022 by Admin

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Take the mystery out of dating when you go online. Matchmaking sites are trained to find singles exactly fitted to your needs, hobbies, and standards. Yes, that new guy or girl down the hall at work may seem interesting at first, but then on the first date you discover their secret love of sticking peas up their nose. You deserve better than that. Take the time to go online and place yourself in the position to find the love of your life.

Cleveland, Ohio clinic performs US’s first face transplant

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Cleveland, Ohio clinic performs US’s first face transplant

Posted on March 7, 2022March 8, 2022 by Admin

Thursday, December 18, 2008

A team of eight transplant surgeons in Cleveland Clinic in Ohio, USA, led by reconstructive surgeon Dr. Maria Siemionow, age 58, have successfully performed the first almost total face transplant in the US, and the fourth globally, on a woman so horribly disfigured due to trauma, that cost her an eye. Two weeks ago Dr. Siemionow, in a 23-hour marathon surgery, replaced 80 percent of her face, by transplanting or grafting bone, nerve, blood vessels, muscles and skin harvested from a female donor’s cadaver.

The Clinic surgeons, in Wednesday’s news conference, described the details of the transplant but upon request, the team did not publish her name, age and cause of injury nor the donor’s identity. The patient’s family desired the reason for her transplant to remain confidential. The Los Angeles Times reported that the patient “had no upper jaw, nose, cheeks or lower eyelids and was unable to eat, talk, smile, smell or breathe on her own.” The clinic’s dermatology and plastic surgery chair, Francis Papay, described the nine hours phase of the procedure: “We transferred the skin, all the facial muscles in the upper face and mid-face, the upper lip, all of the nose, most of the sinuses around the nose, the upper jaw including the teeth, the facial nerve.” Thereafter, another team spent three hours sewing the woman’s blood vessels to that of the donor’s face to restore blood circulation, making the graft a success.

The New York Times reported that “three partial face transplants have been performed since 2005, two in France and one in China, all using facial tissue from a dead donor with permission from their families.” “Only the forehead, upper eyelids, lower lip, lower teeth and jaw are hers, the rest of her face comes from a cadaver; she could not eat on her own or breathe without a hole in her windpipe. About 77 square inches of tissue were transplanted from the donor,” it further described the details of the medical marvel. The patient, however, must take lifetime immunosuppressive drugs, also called antirejection drugs, which do not guarantee success. The transplant team said that in case of failure, it would replace the part with a skin graft taken from her own body.

Dr. Bohdan Pomahac, a Brigham and Women’s Hospital surgeon praised the recent medical development. “There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Leading bioethicist Arthur Caplan of the University of Pennsylvania withheld judgment on the Cleveland transplant amid grave concerns on the post-operation results. “The biggest ethical problem is dealing with failure — if your face rejects. It would be a living hell. If your face is falling off and you can’t eat and you can’t breathe and you’re suffering in a terrible manner that can’t be reversed, you need to put on the table assistance in dying. There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Dr Alex Clarke, of the Royal Free Hospital had praised the Clinic for its contribution to medicine. “It is a real step forward for people who have severe disfigurement and this operation has been done by a team who have really prepared and worked towards this for a number of years. These transplants have proven that the technical difficulties can be overcome and psychologically the patients are doing well. They have all have reacted positively and have begun to do things they were not able to before. All the things people thought were barriers to this kind of operations have been overcome,” she said.

The first partial face transplant surgery on a living human was performed on Isabelle Dinoire on November 27 2005, when she was 38, by Professor Bernard Devauchelle, assisted by Professor Jean-Michel Dubernard in Amiens, France. Her Labrador dog mauled her in May 2005. A triangle of face tissue including the nose and mouth was taken from a brain-dead female donor and grafted onto the patient. Scientists elsewhere have performed scalp and ear transplants. However, the claim is the first for a mouth and nose transplant. Experts say the mouth and nose are the most difficult parts of the face to transplant.

In 2004, the same Cleveland Clinic, became the first institution to approve this surgery and test it on cadavers. In October 2006, surgeon Peter Butler at London‘s Royal Free Hospital in the UK was given permission by the NHS ethics board to carry out a full face transplant. His team will select four adult patients (children cannot be selected due to concerns over consent), with operations being carried out at six month intervals. In March 2008, the treatment of 30-year-old neurofibromatosis victim Pascal Coler of France ended after having received what his doctors call the worlds first successful full face transplant.

Ethical concerns, psychological impact, problems relating to immunosuppression and consequences of technical failure have prevented teams from performing face transplant operations in the past, even though it has been technically possible to carry out such procedures for years.

Mr Iain Hutchison, of Barts and the London Hospital, warned of several problems with face transplants, such as blood vessels in the donated tissue clotting and immunosuppressants failing or increasing the patient’s risk of cancer. He also pointed out ethical issues with the fact that the procedure requires a “beating heart donor”. The transplant is carried out while the donor is brain dead, but still alive by use of a ventilator.

According to Stephen Wigmore, chair of British Transplantation Society’s ethics committee, it is unknown to what extent facial expressions will function in the long term. He said that it is not certain whether a patient could be left worse off in the case of a face transplant failing.

Mr Michael Earley, a member of the Royal College of Surgeon‘s facial transplantation working party, commented that if successful, the transplant would be “a major breakthrough in facial reconstruction” and “a major step forward for the facially disfigured.”

In Wednesday’s conference, Siemionow said “we know that there are so many patients there in their homes where they are hiding from society because they are afraid to walk to the grocery stores, they are afraid to go the the street.” “Our patient was called names and was humiliated. We very much hope that for this very special group of patients there is a hope that someday they will be able to go comfortably from their houses and enjoy the things we take for granted,” she added.

In response to the medical breakthrough, a British medical group led by Royal Free Hospital’s lead surgeon Dr Peter Butler, said they will finish the world’s first full face transplant within a year. “We hope to make an announcement about a full-face operation in the next 12 months. This latest operation shows how facial transplantation can help a particular group of the most severely facially injured people. These are people who would otherwise live a terrible twilight life, shut away from public gaze,” he said.

Retrieved from “https://en.wikinews.org/w/index.php?title=Cleveland,_Ohio_clinic_performs_US%27s_first_face_transplant&oldid=4627150”

Author: Admin

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Anti-junta demonstrations grow in Bangkok

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