Loan

If I get an American Express card and pay my monthly student loan bill with it will I get points? ?

I owe bread on my student loans and was thinking if i get an American Express and just pay the monthly payment with my card I could rack up some nice points over the years. Of surely I would pay off my credit card at the end of each month...


why would you use a use strategy act openly that due n full every month to pay a student loan, that is not bright. dumb

beside i agree with the other dude, amex ain't got time for that squeeze.


If the holder of your student loans accepts honour cards as payment and you are SURE to pay the amex card every month, the only extra cost would be the annual fee on the amex and yes, you would get points.

Requesting to find a new credit card company since American Express cancel mine?

Would like to focus for a new credit card but don't know any that will approve me since American Express cancel mine. Paid Amex in full after they deny me. I had only been late once and had the AMEX for about 3 years. Just purchase new home. Student loans


If you have problems paying what you owe then you shouldn't have a trust card at all. That American Express cancels your card should be a clear indication that you should start earning filthy lucre before you spend it!


If you have problems paying what you owe then you shouldn't have a commendation card at all. That American Express cancels your card should be a clear indication that you should start earning readies before you spend it!

Student Loans & Financial Aid - Student Loan Xpress

Student Loans & Monetary Aid - Student Loan Xpress The government is not the only one who helps financially-challenged students. There are ...

Government should not help students pay back their college loans (letter)

I am not safe I can express my outrage in 150 words or less about the article regarding the "push of Obama to labourers young people tackle student loans."

I can only repeat - are you serious? I am so tired of government money - oops, I plebeian our money - being given to "bail people out" of situations of their own making.

Attending college is a sanction - it is not required, nor is it something owed. I'm so happy Natalie Faculak will be put at ease when she graduates astute her president will help her with the money she has already spent.

My husband and I have four children and all of them attended college - three have graduated. We were not "auspicious enough" to qualify for any financial aid or tuition tax deductions nor did we want our children burdened by student loans, we paid for their upbringing.

Yes, that was our choice. We value education and chose to use our money, that could have funded vacations, newer cars and a sound retirement, to fund their education. I repeat, that was our choice, our sacrifice.

I know everyone cannot do this. My parents could not. I have a college training from a very good university, earned by the "work as you go" plan. Student loans did not exist when I started and it took many years. Was I take advantage of to consider it an important enough goal to work for or should I have been given it as an entitlement?

People who are handed these things do not automatically value them. I suppose my children have been made to understand the nature and cost of the gift we gave them.

I believe in plateful people in need, helping people get back on track, helping the disabled, but when are these unswerving handouts of our dollars going to stop?

So Mr. Obama, in my rough estimation I demand a check for approximately $300,000 when this bill is passed. My mortgage, taken out to finance these bills, will not be paid in 20 years, so will you please let off that, too?

Christine S. Bigelow/Kalamazoo


Christine S. Bigelow, What a self-centered, penurious person you turned out to be. Education of our young is every citizens responsibility and college is no longer an chance. Its a must. You are what is typical of a teapublican if I have ever seen one. I got mine and to hell with you. Your way is wrong, always been wrong and always will be wrong. What is considerate for you personally is not good for this country. We have fallen behind on education, infrastructure, health solicitude, just about everything to other more progressive countries and people like you are the reason. Hell, we no longer have a credible seat program and China is will pass us up in just a few years because of it, we are taking Russian place craft to the ISS. This country can no longer be considered the land of opportunity nor can it be considered the greatest rural area on earth. We leave to many people living under bridges, to many children go to bed hungry, because of your amicable of selfishness. Christine Bigalow is all the more reason to vote democratic in the next election. We must return Obama to the presidency and expel all tea party members from congress, it is now becoming a matter of national security. She and those like her for to take a seat in the back of the bus and let those that will move the country forward to the front.

Christine S. Bigelow, What a self-centered, mean person you turned out to be. Education of our young is every citizens responsibility and college is no longer an recourse. Its a must. You are what is typical of a teapublican if I have ever seen one. I got mine and to hell with you. Your way is wrong, always been wrong and always will be wrong. What is opportune for you personally is not good for this country. We have fallen behind on education, infrastructure, health disquiet, just about everything to other more progressive countries and people like you are the reason. Hell, we no longer have a credible set out program and China is will pass us up in just a few years because of it, we are taking Russian pause craft to the ISS. This country can no longer be considered the land of opportunity nor can it be considered the greatest nation on earth. We leave to many people living under bridges, to many children go to bed hungry, because of your make of selfishness. Christine Bigalow is all the more reason to vote democratic in the next election. We must arrival Obama to the presidency and remove all tea party members from congress, it is now becoming a matter of patriotic security. She and those like her need to take a seat in the back of the bus and let those that will move the country forward to the front.

express student loans - Bookshelf


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Turning a Health Setback into a Blessing

How do we take a health setback and turn it into something positive? How do you find the kernel of goodness in a chronic illness and use it for the benefit of others?

 

In every setback are the seeds of opportunity.

 

One Saturday morning I met Dr. Jonci Jensen by chance standing in line for a cup of coffee at Lance Armstrong’s  Juan Pelota Coffee Shop that is inside his bicycle shop in Austin, Texas. I heard her mention to the cashier that she is a Naturopath with a practice in South Austin. Immediately I struck up a conversation since I’m always interested in speaking with natural healers.

 

We agreed to catch up for tea at her office on South Austin in a few weeks. I’m always on the lookout for good Naturopaths and new natural healing modalities.

 

When we met, the most interesting aspect of my discussion with Dr. Jonci was how she became a natural healer (though she will be quick to correct you by saying that her patients are the real healers). It was not by design or plan, but was a result of a very painful, crippling illness. Hers is an inspiring story about how we turn a setback into a positive force for change in our lives and then share the journey with others through the healing arts.

 

Before the revelation journey, Dr Jonci was studying to be an engineer at the University of Michigan with the intention of going to conventional medical school to earn her medical doctorate.   After becoming disenchanted with the state of the American health care system, she began consulting on technology integration.  She quickly found herself on the corporate fast track, working on some high profile projects with a major auto manufacturer in Detroit. She was flying on corporate jets, rubbing elbows with powerful executives, and involved in business discussions that were very advanced for a woman her age. She was taking the express train to the executive suite as an ambitious young woman, but it wasn’t filling her deep down need to help people.  She was burning the candle at both ends, but not fulfilling her heart.   After reading an article about a career in naturopathic medicine, Dr. Jensen left Detroit for Arizona and Southwest College of Naturopathic Medicine.

 

By the end of her first year, Dr. Jonci had organized the 1 Annual Naturopathic Medical Student Conference, fought to create an Interest Group to educate MD and DO students about naturopathic medicine, lobbied twice on Capital Hill for healthcare reforms, and initiated the creation of a national organization for naturopathic medical students.   Then in her second year of school, all of a sudden her world came crashing down. She began to experience severe joint pain and inflammation in many areas of her body. She was losing mobility and in constant, crippling pain.  Her work schedule and studies had to be curtailed suddenly as she could not function in some basic ways. It was devastating to her to admit that she would need to withdraw from naturopathic medical school.  She was unable to even leave her apartment to withdraw in person so tearfully called the Registrar’s Office in the middle of her second year to leave her path towards becoming a doctor.  

 

After numerous medical diagnostic tests, she was diagnosed with Rheumatoid Arthritis (RA) based upon her clinical presentation. RA is a chronic, systematic inflammatory disorder that can affect many tissues and organs, but is usually associated with destruction of the joints. Rheumatoid arthritis can also produce inflammation in other areas of the body including the lungs, pleura, and pericardium.  Dr. Jonci’s rheumatologist at the time said that her disease “would not kill her, but would rob her of a good part of her life.”

About 1% of the world’s population is afflicted by rheumatoid arthritis. Women three times more often than men. The disease most often affects women between the ages of 40 and 50, but people of any age can be affected. It is a painful, disabling condition that may include loss of functioning and mobility. It is diagnosed by blood test, X-rays, and clinical experience with the disease. Rheumatologists are the medical expert that specializes in the diseases of joints and connective tissues.

The conventional therapy includes physical therapy, anti-inflammatory drugs such as steroids, pain killers, and other drugs such as DMARDs (disease modifying anti-rheumatic drugs).

Dr. Jonci refused these conventional medical protocols for RA and instead began changing her lifestyle through her knowledge and studies of naturopathic medicine. Her Rheumatologist later informed her that he “had little hope for her in the beginning”. She was already $75,000 in debt with school loans and unable to even walk down the stairs of her apartment let alone finish a naturopathic medical doctorate. 

After recovering from her doctor’s sentence to “pain and suffering without parole for the rest of your life” Dr Jonci decided to take action and pursue the natural route to healing.

Homeopathy and botanical medicine, combined with a gluten-free, vegan diet, combined with stress reduction techniques enabled her to make huge healing strides in just a few months. She reenrolled in classes, at first on the “slow track”.  She eventually finished her degree with her class and on time.  She also completed the creation of the Naturopathic Medical Student Association (NMSA), a national organization for naturopathic medical students that is the only naturopathic medical student affiliate of the AANP (American Association of Naturopathic Physicians) and AMSA (American Medical Student Association). 

After these remarkable results she decided to share the benefits of this recovery from “hopeless case” to fully functioning person, she decided to share her experience through a career in the healing arts.  She feels is it her dharma to share this inner path of healing with others.  She took her personal health setback, recovered from it and is using it as a blessing for those that are taking the same journey she took a few years ago  Dr. Jonci learned the painful way that healing was not in a bottle, prescription or otherwise.  True healing comes from inside with the help of a knowledgeable guide. 

For more information contact: Dr. Jonci Jensen, ND at

“Rich has studied faith healing techniques under my direct supervision. His objective approach in the book by not telling people what or how to think was refreshing. The objectivity contained within these pages is worth knowing and his layman’s approach allows those not particularly well versed in the area of alternative healing arena to feel acknowledged."

Ode to the newspaper lady…

I have a “friend” who loudly declared one day that Big Issue sellers “don’t want to work”. I tried to explain, as gently as I could considering how angry I was, that they buy the magazine, mark it up and sell it; that they’re out all day in the rain and wind; that it’s meant as a way for them to work for a living – that they’re working harder than many people will ever have to, and taking the abuse of a snotty public while they’re at it. It didn’t seem to compute. I don’t think the person concerned was expecting to hear an argument, and so he didn’t hear it.

As for his ‘friend’-

I know several people like that, who think that they are the only ones who actually *work* for a living. The person who served them at the coffee shop, the street cleaner, the salesperson in the electronics store? Lazy bums, all of them. It’s usually either that, or that they are in their job because they are ‘lower’ somehow-less intelligent, less educated, not motivated, bitter or generally of ‘lower’ stock. I probably don’t even have to tell you what I’ve heard said about people on public assistance, programs some don’t think should even in a position to where they have nothing less than top-notch jobs, been laid off or had a hard time of it. It must be nice…but the truth is, I kind of pity them. Sometimes they are arrogant, elitist jerks but, more often than not, they’re just clueless. “Doing what they [customer service workers] do because they know that the person getting Social Security hasn’t busted her butt working and paying into the system a lot longer than she really should have and only stopped working because she’s been forced to? Yes, I have personal stake in this. Bitter and angry, party of one.

Okay, rant over.

I’ll admit I haven’t always been as gracious as I’m expecting others to be. I have a bachelor’s in communication from one of the best schools in my home state (Go NC State!!!!). I’ve had jobs where I’ve made good salaries-or, what was good for me back then. I was young, and brimming with the delusion of invincibility that comes along with it. I thought ‘it couldn’t happen to me’. Long story short, it happen to me. I was quickly knocked down by the loss of a job and had to experience first-hand what it was like to work multiple jobs to pay the rent or to live off of credit cards. I have the bankruptcy on my record to prove it. One thing I learned the hard way is that none of us are immune from setbacks; they can happen to anyone, at any time. I know people who have lost considerable amounts of their retirement savings in the stock market. They weren’t irresponsible, but the general economy sunk and took the stock market (and their savings) with it. Now in any given place you can find people who had high-powered jobs but were laid off because their companies had to make cutbacks. Several of my friends can’t work anymore because of an illness. I’ve known of families who are now on food stamps because the main breadwinner got hurt and can’t work anymore. Heck, my husband went through all of his savings taking care of me for the seven months after my wreck that I couldn’t work. These weren’t things that could have been foreseen, otherwise we would have gladly planned. While there is something to be said for saving for a rainy day and thinking about the future, I just want to stress that a person’s job situation isn’t necessarily due to a character flaw or anything the person could have done. Unfortunately, sometimes stuff just happens. I wish it didn’t, but maybe it has a purpose. Few things will teach you the value of human compassion than being in a position where you are on the receiving end!

Speaking of compassion…

I was touched by the fact that my friend wanted to help this young lady, a person he barely knew. That means he spoke with her, actually to what she had to say, took an interest in her and thought about her for longer than the two minutes it would take for her to hand him his paper. In other words, he treated her like an ‘equal’ as opposed to The Person Who Is There To Serve Him. I know this might not sound like much but, believe me, it is. As someone who has worked extensively in the service industry (restaurant and retail), I cannot express enough how much it can mean to have a customer notice you as a ; the job can be very interesting, but also some of the roughest and most thankless work you’ll ever find. I’ve personally enjoyed many of my service jobs, but there were definitely moments when I’d loved to have given someone a mashed-potato facial. However, every now and then you’ll come across the customer who makes you glad you are there. I don’t remember many of the rude customers I’ve had (beyond the extremes), but I definitely remember the ones who took the time to speak with me and showed interest in/concern for me. This might especially make a difference to the person who stands out in freezing-cold weather and sells newspapers for a living; in other words, the person many people pass on the street every day but don’t even notice.

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Opinionated. Silly. Somewhat cute, depending on who you ask. Cat person. Friendly. Christian, moderate to liberal. Very caring about other people (at least, I try to be). I like to write about things that interest me, and am usually pretty good-humored. I tend to ramble on a bit, just so you know! :)

I *do* want to warn you that I can be hypocritical. I don't always speak or act like a Christian, or even a very nice person. This isn't something I'm proud of, but at least I admit it and try not to be. That's a start, I guess.