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How to clear college student loan debt

How to clear college student loan debt

Finance
The golden rule of college student loan debt is to never default. Although an unsecured debt, it is notoriously difficult to write off and defaulting on a student loan will leave fewer options. Income based repayment plans, forbearance and deferring repayment will no longer be possible. Repaying student loans at an affordable rate is the best option when disposable income is limited. It isn't in anyone's interest to see the borrower default so a number of different forms of assistance and guidance are now available. Income Based College Student Loan Debt Repayment Since the 1 July 2009, it is possible to cap each monthly student loan repayment at a more affordable rate. Hard-up college graduates are now able to pay just 15% of the amount of income they make that exceeds the federal p...
Global financial crisis promotes frugal living

Global financial crisis promotes frugal living

Finance
The media is rife with stories of the negative impacts of the Global Financial Crisis, but there have been many new developments of a more positive nature that do not get coverage in the tabloids or gain airtime in the electronic media. Upside to the GFC - Lower Interest Rates Increase Housing Affordability Interest rates are down, considerably. The cost of a mortgage is well down on the rates being charged just eighteen months ago. Monthly repayments on variable mortgages are lower in line with lower interest rates, and if the repayments have remained the same the principal of the loan is reduced as the interest component of the repayment is a lesser proportion of the monthly installment. This allows the homeowner to get ahead, and create some contingency to delay payments for a whi...
How to set up a putt in golf

How to set up a putt in golf

Sports
To professionals, amateurs and beginners alike, shots are won and lost on the golf course with the short clubs. These clubs are known as the scoring club and the most important club in the bag is the putter. It is not for nothing that Tiger Woods has gone through around 10-15 drivers in his career, but only one putter. The putter is the club with the most feel, the most consistency, and is the club that is used the most often. During a round of golf for a 20 handicap, only 10-14 shots will be drivers or woods, 5-15 shots will be long irons, 15-25 shots will be short irons, and around 30 shots will be putts, and maybe more. Stance When Reading a Putt When putting, like most other aspects of golf, stances and styles tend to vary greatly. However, as is the case with tee shots and f...
How to tune guitar by ear

How to tune guitar by ear

Entertainment
Many guitarists are horrified at the thought of trying to tune their guitar without the use of an electronic tuner. After all, they went pro for two reasons: to get hot dates and to hire a guitar tech. But not only can tuning a guitar by ear improve playing, it can help on the occasion when a string goes out in midsong. With a little practice, it's a great skill not just for tuning a guitar but for tuning ears. Something to Tune to First, find something to tune to -- a piano, keyboard, pitchpipe, tuning fork, or even a harmonica. For a standard tuning in E major, start with the A string and strike an A note below middle C on the keyboard, or blow an A note on the pitch pipe. With a diatonic harmonica in A major, blow into the 4th hole. Pluck the open A string and listen c...
How to lose weight with Wii Fit Plus

How to lose weight with Wii Fit Plus

Gaming, Health
Wii Fit Plus gives busy (or shy) people the opportunity to work out in their own homes with the aid of a virtual personal trainer. In order to work out with the Wii Fit Plus, you will need a Wii Fit Plus board and a Wii Fit Plus compatible game. The Wii Fit Plus board is slightly larger than a bathroom scale, and works in conjunction with the Wii console. There are several ways a user can use the Wii Fit Plus in order to lose weight. Play Balance Games on the Wii Fit Plus Balance games on the Wii Fit Plus force the user to engage their core muscles. Most people don't use their core muscles very often, and increasing the strength and mass of the core muscles will increase metabolism and help the user lose weight. Play Strength Training Games on the Wii Fit Plus Strength training gam...
Guitar soloing techniques and how to play the instrument fast

Guitar soloing techniques and how to play the instrument fast

Music
An arpeggio is simply the notes of any given chord played separately and distinctly. Actually, ever chord can be played as an arpeggio just by playing one note at a time, in any order (arpeggiated picking). Many songs have been created that just use arpeggios. Arpeggios are great for: Improvisation Creating a melody Finger picking styles Sweep picking Fretboard tapping Check out Guitar Space How to use Arpeggios When a guitarist solos over a chord progression, they may use arpeggios as a way to bridge the gap between chords. One trick a guitarist can use is to play an arpeggio over a chord that does not quite fit in the key they are playing in. Instead of staying with a particular scale(s) over all the chords, a guitarist can switch to the chords arpeggio, and then come ba...