Loan

Am I too retarded for college?

With college up forwards, and the time for applications drawing near it was necessary for me to take a critical look at my credentials before applying to college.


Am I too stupid for college?

With college up in front, and the time for applications drawing near it was necessary for me to take a critical look at my credentials before applying to college. Upon consultation among diversified friends, I reached conclusion that I was both mentally


Ya separate what's better than asking the internet to stroke your ego?

Being self-motivated and independent. You damn well remember you can get into just about any school you want.


I muse over you might squeak by if you apply yourself...holmes.

Pet Dinosaurs

trends - manufactured haunt refinance loan, mortgage company, mortgage software, refinance a mortgage, student in financial difficulty consolidation loans, va loan ...

Dewhurst leads pack of Senate candidates in wealth

(AP)  AUSTIN, Texas — Lt. Gov. David Dewhurst leads the away of candidates for the U.S. Senate in terms of his vast personal wealth, but his top opponents aren't bang on struggling to make ends meet.

Dewhurst, campaigning to fill the seat being vacated by Republican Sen. Kay Bailey Hutchison, has submitted federal pecuniary disclosure reports indicating his net value is more than $200 million. The total would carry out Dewhurst, who made his personal fortune in energy investments, the third-wealthiest member of Congress.

Former Dallas Mayor Tom Leppert, who is also seeking the Republican nomination, takes the No. 2 assign among Texas Senate candidates. He's worth at least $12 million. Even without reporting any debt, Leppert's riches is a fraction of Dewhurst's. Leppert, who previously worked as a businessman in construction, monetary services and real estate, also reported an income of more than $250,000 from salary and non-investment gains.

Former Solicitor General Ted Cruz, another Republican seeking the nomination, didn't unequivocally make the millionaire's club after accounting for debt of at least $565,000. His net worth was at least $918,000 according to the federal reports. He reported investments in Exxon Mobil Corp., Goldman Sachs and the Coca-Cola Co..

Cruz also reported receipts of $1.7 million in salary and other non-investment income. His liabilities include three mortgages and student loans. The communiqu shows an extensive list of Cruz' clients, including AstraZeneca, Google Inc. and Pfizer Inc.

Former Army Lt. Gen. Ricardo Sanchez, a Democrat, reported a net significance of at least $212,009. He reported income of almost $300,000, but also owes at least $200,000 on mortgages for a rental organization and undeveloped property on Canyon Lake. Most of Sanchez' assets are in land investments and retirement accounts.

Because federal disclosure requirements are much stiffer than majestic rules, the U.S. Senate candidates are required to disclose more detail about their personal finances than they would for a statewide rallye. For Dewhurst, that meant revealing for the first time the contents of a blind trust.

A Cruz spokesman quipped that rolling in it won't be able to buy voter approval.

"No candidate will be able to hide from the voters and buy this track horse-races," Cruz spokesman James Bernsen said. "And, if Dewhurst had a dollar for every moment he's flip-flopped on an issue and refused to fight for conservative values, he'd have twice as much in the bank."

The Dewhurst and Leppert campaigns declined to comment.

WINDMILL COUNTRY: Veterinarians who work in rural areas can get student-debt help

— Last year Congress passed the Veterinary Services Investment Act, which established a competitive allowance program to address a nationwide shortage of rural large-animal veterinarians.

"Agricultural areas face a critical and growing shortage of large-animal veterinarians," said Collin Peterson, D-Minn., the ranking associate of the House Agriculture Committee. "These veterinarians are the first line of defense against animal malady and a crucial player in ensuring the safety of our food."

The grant awards program is administered through the U.S. Control of Agriculture's National Institute of Food and Agriculture and its Veterinary Medicine Loan Repayment Program.

"Veterinarians pan insurmountable student loan debt and often struggle to repay the debt that they incur during their training. Too often this leads them to traverse the choice of working in locations that may offer higher pay than in rural America. This is creating a paucity of adequate veterinary services for producers of agriculture animals in rural America," NIFA Head Roger Beachy said.

"These awards will bring trained veterinarians back to bucolic areas to serve producers, improve the health of the livestock industry and certain a safe food supply."

In previous columns, I have written about the problem and been told by several West Texas veterinarians that the have an eye to serve rural areas all boils down to money.

Vet students accumulate between $130,000 and $140,000 in responsible during four years in veterinary school. Operating solely as a veterinarian for large animals doesn't proffer a fast income to repay a student loan. In turn, most new veterinarians enter a small-animal procedure where the demand is not only steady, but sometimes overwhelming.

The USDA's award incentives entice new veterinary graduates to day-to-day in underserved areas for a minimum of three years in exchange for part of their student loans to be paid by the Public Institute of Food and Agriculture.

The awards are made through the Veterinary Medicine Loan Repayment Program. Loan repayment benefits are meagre to payments of the principal and interest on government and commercial loans received for attendance at an American Veterinary Medical Confederacy-accredited college of veterinary medicine resulting in a degree of doctor of veterinary drug or the equivalent.

In fiscal year 2010, NIFA received 260 applications, for a happy result rate of 23.8 percent. Nearly $6 million (included loan and tax payments) was awarded to 62 students. The middling award was $96,582. The average eligible debt for repayment was $98,672.

Last year, Texas veterinary graduates were awarded funding in four deficit areas. This year five graduates will be offered awards to help repay their veterinary institute loans.

Each year the Texas Animal Health Commission solicits input from a outspoken range of stakeholders — including veterinarians, veterinary educators, livestock producers and the special-interest group — to identify which geographic areas of Texas to nominate for Veterinary Medicine Loan Repayment Program.

"Maintaining an equal veterinary presence in rural areas and making veterinary care close by for food animal species is crucial to ensuring the quality of animal salubrity and disease detection in our state," said Dr. Dee Ellis, state veterinarian.

For more info, contact the VMLRP via email at vmirp@nifa.usda .gov. Comments or questions kindred to Texas' designated shortage areas may be directed to comments@tahc.stat e.tx.us.

William Edmiston, DVM in Eldorado, introduced a girlish veterinary student to several of us at the Powell Hereford Ranch sale near Fort McKavett last month. He said at least one Texas A&M University vet student is offered an intern job every semester at his Schleicher County clinic.

There's also a new Web series, "Veterinarian on Call," which follows five livestock veterinarians as they attend to to day-to-day animal care of their clients' livestock.

The Web series features clips on YouTube that not only would buoy up young "wannabe" veterinarians to seek a large animal career but also would give consumers an inside of look at how farmers and ranchers ensure animal care.

Dr. Paul Ruen of Fairmont, Minn., a veterinarian who volunteered to participate in the inadequate clip, said: "My hope is that the consumers of America's meat products will towards a bit more connected to the families and farms that work professionally and with care in raising aliment for their tables."

Collin Howard, DVM with Equine Sports Medicine Racehorse Allotment in Weatherford, is not on the YouTube feature but is certainly another one of those large-animal vet success stories.

The San Angelo exclusive was on duty at Ruidoso Downs in Ruidoso, N.M., during the Labor Day races when Standard-Times Rewrite man Tim Archuleta visited with him.

student loan leads texas - Bookshelf


Congressional Record, V. 153, Pt. 10, May 22. 2007 to June 5, 2007
1270 pages
Congressional Record, V. 153, Pt. 10, May 22. 2007 to June 5, 2007

19; "no" on rollcall 392 on agreeing to the Hensarling of Texas repair No. ... However, providing students with larger loans to turn to college leads to ...

Jet
64 pages
Jet

Knowledge Robert Scott VA Rep* Robert Scott Leads Force To Keep Aid Program ... 25% and were scheduled to be cut from the student loan program on July 1st. ...

The Texas outlook The Texas outlook

Loans totaling $4653339 had been distributed among 8388 college students in Texas as of May 31. Texas Technological College leads other institutions in ...

Anticipation: Day 2

I got off the plane I mentioned in Day 3 below, and settled back into my life in Tennessee. I still really wanted to buy that house in Tennessee, but I couldn't shake that encounter I'd had with God on the plane. After I got back from Texas, literally every small group or Bible study I attended or every book I picked up to read, mentioned Abraham. God had told me on the airplane to " " event was coming to Nashville. My friend, Sarah, who I mentioned in the last post, was working for Teen Mania at the time. When Sarah lived in Tennessee, she and I were in a small group Bible study with a few other girls our age. One of the girls, Tara, when she heard about the ATF coming to town, asked me to go along with her, so that she could get a better idea of the organization our friend was working for in Texas. I'd been to an ATF in high school, but I agreed to go along. I was working the overnight shift at the hospital then. Back then, I'd often work 3 nights in row. When we got ready to go the ATF one Friday night that April, I hadn't slept at all that day coming off the 3 night shifts. It had been over 24 hours with no sleep, so when I hit the bed that night after the ATF event, I was wiped. I fell asleep in no time. Somewhere in the middle of the night that night, I think it was 2:00a.m, I woke up wide awake with an overwhelming desire in my heart. I'm not sure how to explain it, except to say, at 2:00am, I was suddenly full of excitement I wasn't sure what to make of, and I wanted to move to Texas. Now, y'all, I'd never wanted to move to Texas. Ever. Well, even though I was hoping I'd pick my Bible up that night and somehow I'd find some excellent verse about moving to Texas, that verse wasn't there. But every passage I landed on spoke of the faithfulness of God. I knew God was imparting through each of those scriptures that this new desire was from Him, and that I could trust Him in His faithfulness to go. Psalm 18 was the passage I landed on that night that seemed to set off a " For days I didn't tell anyone of this new desire. It was hard to explain with words. And in all the fullness of my wavering flesh, I needed confirmation. I told God I needed a few boundary stones of confirmation before I would up and move my entire life to Texas for no good reason, a "feeling" per say. You can bet when I did finally feel ready to tell people of the move, my current boss included, the inevitable question was always, " In the following weeks, God did confirm the call to Texas. One of those confirmations had to do with finances. I was a little concerned about the financial aspect of moving to Texas so suddenly, and I had a recurring bill from a hospital where I worked as a Nursing student because I'd had an accidental needle stick there. It was a pretty hefty bill, and I'd been paying it off in very small amounts each month, as I was also trying to tackle school loan bills. As I made preparations to move to Texas, I realized I hadn't gotten a bill from that hospital in over a month. I knew the outstanding balance was at least $600-$700 at that point. I called the hospital to inquire for a bill, so that I could get it all squared away before I moved. The lady on the other end of the phone looked my account up for me and then simply stated, " Truth be told, I'd done quite a lot of fretting since that late night revelation to move to Texas. I'd never done anything like that before- up and moved my entire life to somewhere where I knew no one or had no family. My friend Sarah ended up losing her job with Teen Mania during this time and was going to be moving on, most likely out of Texas. There wasn't anything solid I knew of at the time in Texas, I just knew something inside me couldn't stay where I was anymore. I ended up moving to Texas in May of 2007. The rest is history, as they say. It did become a place of great rest for my soul, and God has used Texas to bring alot of healing and alot of growing up. I've learned alot about health there- spiritual health, physical health, emotional health- and I've met some pretty special sojourners in that place I count as some of the most dear people of my life. I'd always dreamed of a prayer chapel near where I lived so that I could have a concentrated place to pray; I'd always dreamed of a lap pool to swim laps for exercise; I wanted to know more about the Spirit of God from people who were firmly planted in those giftings; I'd always wanted to live in a home that was earthy with hardwood floors and a green bedroom; I wanted to write and get things published; I'd always wanted to be a camp Nurse and work with kids in the great outdoors; I'd always wanted to be surrounded by a close-knit community who were truly seekers of Jesus, who were really digging in, so that we could share in the journey together. Sometimes God will call us to be Jacobs or Abrahams- we will have to leave our father's house and go where He tells us to go. But I have found that faithfulness to God's call always leads to blessing and more blessing. The glory in this story is the mercy of a living God who sees us- He sees us in our daily lives, and if we will wait on Him, He constructs miracles and places and times for us that far exceed our expectations. He will move heaven and earth to make it happen. Sometimes it may seem a little out of this world, because, well, it is out of this world. God sits in a higher place, seeing the things we can't see, and when He moves in us to move in unexpected ways, I'm learning- and boy am I still learning!- to try and just go. The price for Moses that day in Meribah was hefty- he didn't get to lead the people he had led all those years into the promised land they'd all been desperately seeking. I never thought I'd actually turn 30. Somehow I thought being young would last forever. But, as I've learned, we're all walking a journey. And as mine continues to bend and turn, I am amazed by the goodness of the Lord- even at 30! I am a nurse and a lover of Jesus. I love people and the beauty found in everyday things. I moved to Texas 2 years ago from Nashville- because God told me to. And He was right. These are stories from my journey. Hope you find Him here along the way.

Deck the Halls with Boughs of Ear Crud, Fa-la-la-la-la

You see, when the girlfriend was going to the doctor for regular checkups about a year or two ago after her first kidney stone surgery, she made good friends with her doctor. Good enough to where, when I thought I was developing an ear infection last time, she asked her doctor if she'd just write me a prescription for Zithromax ( azithromycin , an antibiotic that I've always used to treat my ear infections) so that I wouldn't have to pay some huge doctor's bill since I didn't have insurance. She did (very kindly), we picked it up, and I have a 6-pill pack of it at the ready, so that if I needed it, I could use it. There have been several times where I've almost used it, the last being this past fall when the flu I had, or whatever it was, gave me one of the worst sinus infections of my life for about two weeks. I've been prescribed it for particularly nasty sinus infections before, but I've had enough of them to know that not every sinus infection warrants the usage of antibiotics, and that they generally clear up on their own within a short period of time -- as this one did, albeit taking a little longer to do so. So, generally speaking, I've been saving the Zithromax in the case that I know, beyond a shadow of a doubt's certainty, that I have a true ear infection and that I need it. Remember the drill analogy? Thankfully, that pain hasn't started yet. I can generally differentiate between an earache from built-up fluid and a full-on ear infection, but sadly a lot of the time the former leads up to the latter. Believe me, if that pain had started already, I wouldn't be typing here, but I'd be in the bedroom screaming into a pillow. Dad drove back to Texas yesterday for work, as he's been (apparently) cleared to return there after being on medical leave for his broken finger. He won't return to Smallville again until right before Christmas -- which is probably when we'll be returning as well. Christmas Day is next Friday, and the presents/dinner festivities have been planned for the next day, Saturday. Tentatively speaking, of course. Everything's been given a rough outline of that day, but nothing's set in stone as of yet. The girlfriend gave her students their final exams yesterday, and today she is taking one herself at 3PM. Before that, however, she has to go to financial aid, as everything with the new loan she took is not, apparently, going as planned. There are some problems about how much she's supposed to get, what she's doing next semester, and the like that she needs to sort out with them in person so that the right amounts of money go to the right places. And, most of the time, the financial aid staff is relatively unhelpful. If you've ever had to deal with the financial aid offices at a large university, you'll understand what I'm saying. Back in the day, when I was still in college, my friends actually encouraged me to take a knife with me, as the threat of violence was one of the few things that would make these people get off their asses and do their jobs, apparently. I never really had any true problems with financial aid while in college. There were a few snafus here and there, but upon talking to any of their staff members for a few minutes, they were generally cleared up quite quickly. I told the girlfriend that if she just does that -- explains her situation, tells them what she's doing and what she needs from them -- that generally speaking the problems get sorted out really fast. Right now though, the problem is not that it's not arrived yet, but that the girlfriend has bills to cover for her kidney stone surgeries. The hospital bill itself was covered by her insurance, and the balance on it was reduced to zero when the girlfriend applied for and received a waiver since she's a poor student, but the bills for the clinic, the anaesthesia, and the subsequent check-ups have piled up to become a few hundred dollars. That was part of the reason why the girlfriend had applied for this new loan -- I don't make that much money from the paper, but even when I was working full-time and making New Hell money I didn't have enough to pay off a few hundred dollars' worth of hospital bills all at once. Anyway, the loan was supposed to give us breathing space and something to live on so that our finances weren't so tight. Hopefully she can get it fixed this afternoon, but even worst-case scenario, she'll get the money upon her return to school in January. We have enough money to last until then, even if she has to pay her clinic bills a bit late. As for me and money, last night I received another PDF invoice from the publishers, meaning another $70 has been dropped into my bank account. It'll take a few days before it clears, but once it does I'll finally be able to, say, buy some more groceries or pay a bill without having to worry about clearing out my account. This pay comes from the Lions' Club parade story and the Geothermal house story that ran at the end of November -- meaning it really does, apparently, take two weeks to get paid for my services. This means I should be paid for the big feature on citizenship I did with my editor -- another $70 -- between my birthday and Christmas. Happy Birthday to me, really. The girlfriend has (finally) started shopping for me, it seems -- there's a "small gift" hidden in her car that she picked up for me over the weekend when she went out to get cookie supplies. I only hope that it's not prone to freezing or the like, because it's been really cold here recently, again, with lows in the single digits and highs barely making it out of the teens. The car is cause for some worry, it appears. As it's unusually, unnaturally cold here in our flat state for this time of year, and the girlfriend has to park outside when she's at school, the car doesn't like the cold. At all. Last night she was having trouble with it on her way home, as it was being sluggish and the transmission was trying to stick on her, not letting her go over 45MPH until it was warmed up and moving. I'm very glad that we have a garage in our home here, because when we're here that's where we've been putting the car. It's not a heated garage, but it's much warmer in there than it is outside most of the time, that's for sure. I'm hoping it doesn't act up when we have to go to Smallville next week for the holidays. Add another thing causing problems for the "Holiday Meltdown," you know? Yesterday morning, the girlfriend mailed out cookies to several people. We're keeping it low-key this year due to finances, but she sent some to her uncle, to Jane , to her brother, and to a few other people I think. I'm not generally sure who, because most of yesterday morning I was in bed holding my heavily aching face due to sinus pain. When I finally trudged upstairs yesterday I took some sinus and pain meds, and I was able to type up and send off my latest article to my editor, the article about the Dean. I don't know when it will run in the paper, but she did tell me that my article on the singing lady won't run until the 28th at the earliest. I'm guessing this means that the paper's pretty backed up right now for content, so I probably won't see any more of my stories in print before Christmas at the earliest, if not after the 28th, regardless of when I get them to her. She also knows that I'm sick right now, so that gives me a little leeway and time to at least