The Dangers Of Defaulted Student Loans

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By Trevor Marshall

Along with the honor of earning a college degree comes the need to pay for it all after graduation. Some students are lucky and have parents to pay for college, while others work hard and earn scholarships. If you have to pay for college yourself, you will have huge student loans to work off after you leave. The problem with student loans is that most students don’t understand what they are getting into once they graduate. There are deferments and forbearance you can apply for if funds are low. These will give you a grace period before you have to begin paying off your loans. While these can help when money is tight, the interest continues to build up. In some cases, when payments are missed, students end up facing defaulted student loans.

When this happens, you can kiss your credit rating goodbye. Defaulted student loans that show up on your credit report may stop any bank or other lending institution from extending a loan to you for a home, or for any other reason you may need to borrow money. If you don’t get these loans fixed and up to date, they will follow you around forever. Even worse, there are some companies that will buy defaulted student loans, and they will be very persistent in trying to get you to pay up. They buy the loan as a risk, hoping to make a profit from your misfortune, or your inability to handle money. These people are as diligent as bill collectors, and won’t leave you much peace.

[youtube]http://www.youtube.com/watch?v=lswSYXYtCmE[/youtube]

To avoid defaulted student loans, keep in touch with your loan company or companies, and let them know what is going on. They may find ways to help lower your payments, or help you get a deferment so you have a little breathing room. They really don’t want you to default, and will help you stay on track if at all possible. Chances are, your interest rate on your loans is very high. In the end, you may end up paying more for the interest than the actual loan. This is why when you end up with defaulted student loans, you may be shocked to see the amount you owe has doubled since you first took out the loans for your education.

Take every step possible to avoid defaulted student loans. You don’t want them marring your credit, and making it hard for you to get a loan for the many times in life when you need one. Not only will you have a hard time getting a home loan, you may not get a loan for a new car, or an emergency that may pop up.

About the Author: For more great information on federal student consolidation loans, and cash advance loans, visit Student-Debt-Advice.com

Source: isnare.com

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Asbestos controversy aboard Scientology ship Freewinds
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Asbestos controversy aboard Scientology ship Freewinds

Friday, May 16, 2008

Controversy has arisen over the reported presence of blue asbestos on the MV Freewinds, a cruise ship owned by the Church of Scientology. According to the Saint Martin newspaper The Daily Herald and the shipping news journal Lloyd’s List, the Freewinds was sealed in April and local public health officials on the Caribbean island of Curaçao where the ship is docked began an investigation into the presence of asbestos dust on the ship. Former Scientologist Lawrence Woodcraft supervised work on the ship in 1987, and attested to the presence of blue asbestos on the Freewinds in an affidavit posted to the Internet in 2001. Woodcraft, a licensed architect by profession, gave a statement to Wikinews and commented on the recent events.

According to The Daily Herald, the Freewinds was in the process of being renovated by the Curaçao Drydock Company. The article states that samples taken from paneling in the ship were sent to the Netherlands, where an analysis revealed that they “contained significant levels of blue asbestos”. An employee of the Curaçao Drydock Company told Radar Online in an April 30 article that the Freewinds has been docked and sealed, and confirmed that an article about asbestos ran in the local paper.

Lloyd’s List reported that work on the interior of the Freewinds was suspended on April 27 after health inspectors found traces of blue asbestos on the ship. According to Lloyd’s List, Frank Esser, Curaçao Drydock Company’s interim director, joined Curaçao’s head of the department of labor affairs Christiene van der Biezen along with the head of the local health department Tico Ras and two inspectors in an April 25 inspection of the ship. “We are sending someone so that they can tell us what happened, where it came from, since when it has been there,” said Panama Maritime Authority’s director of merchant marine Alfonso Castillero in a statement to Lloyd’s List.

The Church of Scientology purchased the ship, then known as the Bohème, in 1987, through an organization called Flag Ship Trust. After being renovated and refitted, it was put into service in June 1988. The ship is used by the Church of Scientology for advanced Scientology training in “Operating Thetan” levels, as well as for spiritual retreats for its members. Curaçao has been the ship’s homeport since it was purchased by the Church of Scientology.

According to his 2001 statement, Lawrence Woodcraft had been an architect in London, England since 1975, and joined Scientology’s elite “Sea Organization” (Sea Org) in 1986. He wrote that he was asked by the Sea Org to work on the Freewinds in 1987, and during his work on the ship “noticed a powdery blue fibrous substance approximately 1 ½” thick between the paint and the steel wall,” which he believed to be asbestos. He also discovered what he thought was blue asbestos in other parts of the ship, and reported his findings to Church of Scientology executives. Woodcraft discussed his experiences in a 2001 interview published online by the Lisa McPherson Trust, a now-defunct organization which was critical of the Church of Scientology.

The Freewinds regularly inspects the air quality on board and always meets or exceeds US standards.

Church of Scientology spokeswoman Karin Pouw responded to Radar Online about the asbestos reports, in an email published in an article in Radar on May 1. “The Freewinds regularly inspects the air quality on board and always meets or exceeds US standards,” said Pouw. She stated that two inspections performed in April “confirmed that the air quality is safe,” and asserted that the inspections revealed the Freewinds satisfies standards set by the United States Occupational Safety and Health Administration and the U.S. Clean Air Act.

Pouw told Radar that “The Freewinds will be completing its refit on schedule.” The Church of Scientology-affiliated organization Citizens Commission on Human Rights (CCHR) had been planning a cruise aboard the Freewinds scheduled for May 8, but according to Radar an individual who called the booking number for the cruise received a message that the cruise had been delayed due to ongoing work on the ship. Citing an article in the Netherlands Antilles newspaper Amigoe, Radar reported on May 6 that a team from the United States and supervised by an independent bureau from the Netherlands traveled to Curaçao in order to remove asbestos from the Freewinds.

…if the Church of Scientology claims to have removed the blue asbestos, I just don’t see how, it’s everywhere. You would first have to remove all the pipes, plumbing, a/c ducts, electrical wiring etc. etc. just a maze of stuff.

“I stand by everything I wrote in my 2001 affidavit,” said Lawrence Woodcraft in an exclusive statement given to Wikinews. Woodcraft went on to state: “I would also comment that if the Church of Scientology claims to have removed the blue asbestos, I just don’t see how, it’s everywhere. You would first have to remove all the pipes, plumbing, a/c ducts, electrical wiring etc. etc. just a maze of stuff. Also panelling as well, basically strip the ship back to a steel hull. Also blue asbestos is sprayed onto the outer walls and then covered in paint. It’s in every nook and cranny.”

Many Scientologist celebrities have spent time aboard the Freewinds, including Tom Cruise, Katie Holmes, John Travolta, Kelly Preston, Chick Corea, Lisa Marie Presley, Catherine Bell, Kate Ceberano, and Juliette Lewis. Now magazine reported that Tom Cruise has been urged to seek medical attention regarding potential asbestos exposure, however a representative for Cruise stated he has “absolutely no knowledge” of the recent asbestos controversy. Cruise, Holmes, Travolta and Preston have celebrated birthdays and other events on the Freewinds.

There is not now and never has been a situation of asbestos exposure on the Freewinds.

In a May 15 statement to the United Kingdom daily newspaper Metro, a representative for the Church of Scientology said that “There is not now and never has been a situation of asbestos exposure on the Freewinds.” The Asbestos and Mesothelioma Center notes that agencies have recommended anyone who has spent time on the Freewinds consult with their physician to determine if possible asbestos exposure may have affected their health.

Raw blue asbestos is the most hazardous form of asbestos, and has been banned in the United Kingdom since 1970. Blue asbestos fibers are very narrow and thus easily inhaled, and are a major cause of mesothelioma. Mesothelioma is a form of cancer which can develop in the lining of the lungs and chest cavity, the lining of the abdominal cavity, or the pericardium sac surrounding the heart. The cancer is incurable, and can manifest over 40 years after the initial exposure to asbestos.

“This is the most dangerous type of asbestos because the fibres are smaller than the white asbestos and can penetrate the lung more easily,” said toxicologist Dr. Chris Coggins in a statement published in OK! Magazine. Dr. Coggins went on to note that “Once diagnosed with mesothelioma, the victim has six months to a year to live. It gradually reduces lung function until the victim is no longer able to breathe and dies.”

David S. Touretzky discusses Scientology, Anonymous and Tom Cruise
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David S. Touretzky discusses Scientology, Anonymous and Tom Cruise

Wednesday, February 6, 2008

David S. Touretzky, prominent free speech activist and critic of Scientology, discussed his opinions on the recent Internet backlash against the Church of Scientology in an interview with former Scientologist and Wikinews reporter Nicholas Turnbull. The recent conflict on the Internet between critics of Scientology and the Church has been spurred on in declarations by a nebulous Internet entity using the name Anonymous that the Church of Scientology “will be destroyed”. Anonymous has directed recent protests at Scientology centres across the world, which have attracted significant numbers of individuals supporting the cause. In recent e-mail correspondence with Wikinews, a representative of the Church of Scientology declared that the Church considers the activities of Anonymous to be illegal, and that Anonymous “will be handled and stopped”.

Touretzky, a research professor in artificial intelligence and computational neuroscience at Carnegie Mellon University, has been a prominent critic of the Church of Scientology since mid-1995, and has been protesting against Scientology vociferously since then; he has also run websites that publish material that Scientology wishes to keep suppressed from the public eye, such as extracts from Scientology’s formerly-confidential Operating Thetan (OT) materials. Touretzky views the actions of the Church of Scientology as being “a threat to free speech”, and has endured harassment by the Church of Scientology for his activities.

The Church of Scientology continues to suffer damage to its public reputation through increased exposure on the Internet and vocal protests by Scientology critics such as Prof. Touretzky. A recent event that focused intense attention on Scientology’s totalitarian attitude was the leak of an internal Church of Scientology propaganda video to the Internet video sharing site YouTube, in which celebrity Scientologist Tom Cruise spoke heavily in Scientology’s jargon and stated that that “we [Scientology] are the authorities” on resolving the difficulties of humanity. The declaration of war by Anonymous followed shortly after this leak, in the form of a video posted to the Internet.

The ongoing dispute, cast by some as Scientology versus the Internet, brought Scientology terms such as “SP” (Suppressive Person, an enemy of Scientology) and “KSW” (Keeping Scientology Working) into general usage by non-Scientologists from the late 1990s onwards; increased attention has been drawn to Scientology by the release of the Cruise video in addition to media coverage. This focus has caused an even greater propagation of these terms across the outside world, as Touretzky comments in the interview.

Wikinews asked Prof. Touretzky about the impact that the activities of Anonymous will have on Scientology, the public relations effect of the Tom Cruise video, the recent departure of individuals from the Church of Scientology’s executive management, the strategies that Anonymous will employ and Touretzky’s experiences of picketing the Church.

Wikimania 2008: MediaWiki use in the U.S. Department of State
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Wikimania 2008: MediaWiki use in the U.S. Department of State

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Sunday, July 20, 2008

The last day of the Wikimania 2008 conference saw Saturday morning sessions on a variety of topics. Wikinews attended a presentation by Eric M. Johnson from the United States Department of State. Eric, a former NCO in the U.S. Marines, is the lead for the Knowledge Management Action team in the department’s Office of eDiplomacy, and involved in department’s use of Web 2.0 technologies for knowledge management. This includes blogs, and the key focus of his talk, Wiki culture in the U.S. Department of State.

Eric opened his presentation with an introduction to the U.S. State Department, one of the oldest agencies of the American government, which today has around 57,000 employees worldwide. When formed in the 18th century their offices and diplomatic staff operated largely autonomously due to lack of ability to communicate rapidly. By the mid-20th century this had changed with the advent of telegraph lines, and changed again with the Cold War and security concerns bringing to the fore the well-known term, “need to know”.

Now, in the 21st century, the volume of internal communication generated by the department is a staggering 1,800,000 cables a year, 1.5 billion emails, production of around 500,000 print volumes, and maintenance of approximately one thousand websites. Both internal and externally facing.

A pilot project was set up, Diplopedia, a MediaWiki wiki running on the department’s internal network, which outside of the department of defence is one of the largest private networks operated by the U.S. government.

A grassroots effort, this project to promote knowledge sharing differs from the well-known Wikipedia in that it does not allow anonymous edits. There are around 1,000 registered users who have contributed over 4,400 pages. Integration with the Department of State’s internal search engine prioritises results from the wiki, increasing the popularity of the site such that it has received over 650,000 page views. Like Wikipedia, users are required to provide sources for entered information at the foot of the article, and users are warned that it is a starting point and not an authoritative source of information. Data on visa requirements and information from other static department sites has been incorporated into the wiki.

Eric described the project as just reaching critical mass and attracting increasing interest from other departments. Among the ingredients leading to the success of the project were the cultural change with increasing awareness of the technology from Wikipedia, the formation by the community of a welcoming committee, and the taking on of roles to carry out tasks such as drafting. A number of staff act as “gardeners” tending to the wiki content, keeping it fresh, and well cross-referenced. The continual updating is a novel concept to many of their employees.

Unlike Wikipedia, and many other projects using MediaWiki, none of the Diplopedia pages are locked or protected. This even includes their main page. To date there have been none of the content disputes that have been an issue on Wikipedia, and the use of the wiki to replace traditional websites which are far more time consuming to maintain is seen as a logical extension of the project.

Carried out with no outside help, and by learning from others’ mistakes, the department has adopted mechanisms for assuming that contributions are well-intentioned, and has a body for oversight in the event of a dispute.

With the success of the project, eDiplomacy plans to introduce a separate, classified wiki. They will also expand the effort to compile biographies of foreign leaders, which was pioneered by the U.S. missions in Italy and Germany. This effort has proven valuable when combined with a version of the site available on portable devices such as the Blackberry.

The future holds moves to seek more support from management and integration with their primary authentication system. Among the features on the main page to keep the project interesting to staff is a “Diploquiz” which poses a weekly trivia question which can be answered from somewhere within the wiki.

Scholastic sued for Harry Potter copyright infringement
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Scholastic sued for Harry Potter copyright infringement

Thursday, July 15, 2010

A trustee of the estate of the late author Adrian Jacobs filed a lawsuit against the US publisher of the Harry Potter series, Scholastic Inc, on Tuesday. He claimed that J. K. Rowling, the author of the Harry Potter series, had copied scenes from Jacob’s novel, The Adventures of Willy the Wizard, to the fourth novel of the series, Harry Potter and the Goblet of Fire. The suit followed a similar case last year, in which the trustee sued the UK publisher of the series, Bloomsbury Publishing plc. Both of these cases are currently pending.

The complaint stated that in both books, the protagonists “are required to deduce the exact nature of the central task in the competition”, and had done so in a bathroom. Both books also involved “rescuing hostages imprisoned by a community of half-human, half-animal creatures.” The suit also claimed that Christopher Little, a literary agent of Rowling, was originally the literary agent of Jacobs. The claim was denied by Scholastic.

Scholastic called the claim “completely without merit”. They pointed out that Rowling had said in February that she had never read Jacobs’ book. The trustee said that the US was the world’s largest foreign market, so they brought their first overseas action there. He demanded that all copies of the Harry Potter novel be destroyed, and all the profit made by the book given to him.

Rugby Union: Queensland’s Ballymore Cup quarter finals
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Rugby Union: Queensland’s Ballymore Cup quarter finals

Thursday, July 23, 2009

The Ballymore Cup Quarter Finals were played Wednesday. The Ballymore Cup is a state wide Rugby Union competition in the Australian state of Queensland. Schools participating in the Greater Public Schools (GPS) competition do not compete in the Ballymore Cup.

The North Queensland quarter finals are played as a round robin competition between four teams in Makay while the three other quarter finals are played at Ballymore Stadium in Brisbane.

Below are reports off each match in division 1.

Siena Catholic College 11 – 5 Marsden State High School

Siena Catholic College from the Sunshine Coast managed to slip past Marsden State High School 11 points to 5. Both sides crossed the oppositions line but penalties committed by Marsden gifted Siena the victory.

Siena defeated reigning champions Mountain Creek State High School in the Sunshine Coast division 1 competition final. They will play the winner of this weekends North Queensland Carnival in the semis.

Corinda State High School 0 – 44 All Saints Anglican School

Brisbane West’s Corinda State High School never seemed to be in the match as All Saints Anglican School from the Gold Coast eased pass them 44 point to zero. All Saints ran rings around the Corinda defence.

All Saints will play John Paul College in the semi final.

North Side Christian College 0 – 47 John Paul College

John Paul college will meet All Saints Anglican School in the semis after they defeated North Side Christian College forty-seven points to zero.

Rockhampton Grammar School, Whitsundays Anglican School (Mackay), Townsville Grammar School and St Augustine’s College (Cairns) will play the North Queensland Carnival as part of the Ballymore Cup quarter finals this weekend.

Icron Usb 2.0 Ranger: Uses Extreme Usb Technology For Usb 2.0 Peripheral Extension

Icron USB 2.0 Ranger: Uses ExtremeUSB technology for USB 2.0 peripheral extension

by

The Icron USB 2.0 Ranger is an Extender which supports the newer USB 2.0 protocol and is backwards compatible with USB 1.1 low speed and full speed peripherals. These USB 2.0 peripheral devices can be placed over a distance up to 330 feet away from the host computer as opposed to the previous distance barrier of 164 feet with the USB 1.1 version. Host computer and peripheral usb extension is enabled over standard Category 5/ Category 6 UTP cable. Speeds up to 480 Mbps are supported by them. The typical extenders support a limited number of peripherals but by using standard USB hubs, the number can be increased. These extenders ideally support I/O devices, printers, scanners, web cams, hard drives, flash drives and mp3 players.

Powered by patented ExtremeUSB technology, this USB Ranger supports a single device port. Requiring no device drivers for operation, this product is truly a plug and play solution. These extenders are compatible with major operating systems such as Windows, Linux, Mac OS and SUN. RoHS compliant, this product also has the FCC and CE Class A agency approvals. They are available in various models such as Icron ranger 2102, Ranger 2104, Ranger 140, Ranger 440, Ranger 442 and Ranger 444 with the different models supporting different device ports. While Ranger 2102 and 140 support single device ports, the rest support 4 ports.

[youtube]http://www.youtube.com/watch?v=IUS-ivFoNzk[/youtube]

A latest addition to the family of USB Extender, the Icron USB Ranger units are also available for extensions over single or multimode fiber optic cables. A standard Icron Extension solution is comprised of two units, LEX which stands for Local Extender and REX which stands for Remote Extender. Both these units have different functions. While the LEX unit interfaces to the host PC via a Type-B USB connector and to the REX unit over the extension media, the REX unit provides connectivity for one or more high powered USB devices at the remote location. The connections are secured via USB cables. The device is powered at both local and remote extender units.

The Icron USB 2.0 Ranger is a significant development in the USB 2.0 peripherals market. It is used in digital signage applications and also for remote desktop USB connections.

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Air Moldova completes airpark with a Brazilian Embraer aircraft
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Air Moldova completes airpark with a Brazilian Embraer aircraft

Monday, February 11, 2008

Brazilian aircraft maker Embraer on Friday announced it has signed a firm order with Air Moldova for one Embraer 190 jet, to be delivered in March 2010. The contract includes an option on another plane of the same model, Embraer said in a statement. The value of the deal was not disclosed.

At present, renowned companies such as Air France, Lufthansa group and Spanish Iberia Airlines own Embraer 190 jets, specified the representative of Air Moldova. The same source specified that Embraer 190 jet is one of the most economic and optimal aircrafts for operation, and it will be configured in a single-class cabin with 114 seats.

Air Moldova, which links the Moldovan capital, Chi?in?u, to cities in Europe and the Middle East, intends to use the new plane to open new markets.

The Embraer 190 is one of the four members of the E-Jets family. On December 31, the Embraer 170/190 E-Jets had logged 764 firm orders and 786 options.

Embraer is the world’s fourth-largest commercial plane maker. It finished 2007 with a firm order backlog of US$18.8 billion.

Category:February 27, 2008
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Non-profit ACORN plans to shut down
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Non-profit ACORN plans to shut down

Tuesday, March 23, 2010

File:ACORN logo.png

The US community organizing group Association of Community Organizations for Reform Now (ACORN) will end its operations due to dwindling funds. The group said in a statement that it would close most of its field offices by April 1.

The heads of the organization said in a joint statement that “ACORN’s members have a great deal to be proud of—from promoting homeownership to helping rebuild New Orleans, from raising wages to winning safer streets, from training community leaders to promoting voter participation—ACORN members have worked hard to create stronger communities, a more inclusive democracy, and a more just nation.”

The group, founded in 1970, played a prominent role in the 2008 US presidential elections, as it conducted many voter registration drives and fundraising for then-Senator Barack Obama, among other Democratic candidates. The organization first became scrutinized during the 2006 mid-term elections, when some of its employees were accused of voter fraud. Matters got worse in 2009 after an undercover video revealed two of its employees giving advice on how to set up a prostitution ring and commit tax fraud.

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