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Webb: spideyheroes: The Amazing Spider-Man 2 (2014) dir. Marc Webb
Webb: spideyheroes:
The Amazing Spider-Man 2 (2014) dir. Marc Webb

spideyheroes: The Amazing Spider-Man 2 (2014) dir. Marc Webb

Webb: ATDO t chemise ONA manchettc 2ILLI MOHIRO alisation 5oho:sam webb in ‘room 69’ photographed by walter pfeiffer and styled by beat bolliger for vogue hommes, spring/summer 2009.
Webb: ATDO
 t chemise
 ONA
 manchettc
 2ILLI
 MOHIRO
 alisation
5oho:sam webb in ‘room 69’ photographed by walter pfeiffer and styled by beat bolliger for vogue hommes, spring/summer 2009.

5oho:sam webb in ‘room 69’ photographed by walter pfeiffer and styled by beat bolliger for vogue hommes, spring/summer 2009.

Webb: Gay couple beaten up for refusing to kiss for men's entertainment f P Melania Geymonat (R) and her girlfriend Chris were beaten up by a gang of men on a London bus (Picture: Sam Webb) concentrated-sunshine: yayfeminism: A gay couple in London were beaten by a gang of men, after refusing to kiss. One of the women, Melania Getmonat wrote this on facebook: “Last Wednesday, I had a date with Chris. We got on the Night Bus, heading for her place in Camden Town, climbed upstairs and took the front seats. We must have kissed or something because these guys came after us. I don’t remember if they were already there or if they got on after us. There were at least four of them. They started behaving like hooligans, demanding that we kissed so they could enjoy watching, calling us ‘lesbians’ and describing sexual positions. I don’t remember the whole episode, but the word ‘scissors’ stuck in my mind. It was only them and us there. In an attempt to calm things down, I started making jokes. I thought this might make them go away. Chris even pretended she was sick, but they kept on harassing us, throwing us coins and becoming more enthusiastic about it. The next thing I know is that Chris is in the middle of the bus fighting with them. On an impulse, I went over there only to find her face bleeding and three of them beating her up. The next thing I know is I’m being punched. I got dizzy at the sight of my blood and fell back. I don’t remember whether or not I lost consciousness. Suddenly the bus had stopped, the police were there and I was bleeding all over. Our stuff was stolen as well. I don’t know yet if my nose is broken, and I haven’t been able to go back to work, but what upsets me the most is that VIOLENCE HAS BECOME A COMMON THING, that sometimes it’s necessary to see a woman bleeding after having been punched to feel some kind of impact. I’m tired of being taken as a SEXUAL OBJECT, of finding out that these situations are usual, of gay friends who were beaten up JUST BECAUSE. We have to endure verbal harassment AND CHAUVINIST, MISOGYNISTIC AND HOMOPHOBIC VIOLENCE because when you stand up for yourself shit like this happens. By the way, I am thankful to all the women and men in my life that understand that HAVING BALLS MEANS SOMETHING COMPLETELY DIFFERENT. I just hope that in June, Pride Month, stuff like this can be spoken out loudly so they STOP HAPPENING!” Gay couple beaten for refusing to kiss They have CCTV footage of the motherfuckers, put that shit on the met Twitter feed..blast their faces all over the place and you’ll have them in custody by tea time. What the fucking fuck
Webb: Gay couple beaten up for refusing to
 kiss for men's entertainment
 f
 P
 Melania Geymonat (R) and her girlfriend Chris were beaten up by a
 gang of men on a London bus (Picture: Sam Webb)
concentrated-sunshine:
yayfeminism:


A gay couple in London were beaten by a gang of men, after refusing to kiss.
One of the women, Melania Getmonat wrote this on facebook:
“Last Wednesday, I had a date with Chris. We got on the Night Bus, heading for her place in Camden Town, climbed upstairs and took the front seats. We must have kissed or something because these guys came after us. I don’t remember if they were already there or if they got on after us. There were at least four of them. They started behaving like hooligans, demanding that we kissed so they could enjoy watching, calling us ‘lesbians’ and describing sexual positions. I don’t remember the whole episode, but the word ‘scissors’ stuck in my mind. It was only them and us there. In an attempt to calm things down, I started making jokes. I thought this might make them go away. Chris even pretended she was sick, but they kept on harassing us, throwing us coins and becoming more enthusiastic about it. The next thing I know is that Chris is in the middle of the bus fighting with them. On an impulse, I went over there only to find her face bleeding and three of them beating her up. The next thing I know is I’m being punched. I got dizzy at the sight of my blood and fell back. I don’t remember whether or not I lost consciousness. Suddenly the bus had stopped, the police were there and I was bleeding all over. Our stuff was stolen as well. I don’t know yet if my nose is broken, and I haven’t been able to go back to work, but what upsets me the most is that VIOLENCE HAS BECOME A COMMON THING, that sometimes it’s necessary to see a woman bleeding after having been punched to feel some kind of impact. I’m tired of being taken as a SEXUAL OBJECT, of finding out that these situations are usual, of gay friends who were beaten up JUST BECAUSE. We have to endure verbal harassment AND CHAUVINIST, MISOGYNISTIC AND HOMOPHOBIC VIOLENCE because when you stand up for yourself shit like this happens. By the way, I am thankful to all the women and men in my life that understand that HAVING BALLS MEANS SOMETHING COMPLETELY DIFFERENT. I just hope that in June, Pride Month, stuff like this can be spoken out loudly so they STOP HAPPENING!”


Gay couple beaten for refusing to kiss
They have CCTV footage of the motherfuckers,  put that shit on the met Twitter feed..blast their faces all over the place and you’ll have them in custody by tea time.


What the fucking fuck

concentrated-sunshine: yayfeminism: A gay couple in London were beaten by a gang of men, after refusing to kiss. One of the women, Mela...

Webb: pictures-of-space: The Two-faced Whirlpool Galaxy NASA image release January 13, 2011 In the image here, most of the starlight has been removed, revealing the Whirlpool’s skeletal dust structure, as seen in near-infrared light. This new image is the sharpest view of the dense dust in M51. The narrow lanes of dust revealed by Hubble reflect the galaxy’s moniker, the Whirlpool Galaxy, as if they were swirling toward the galaxy’s core. To map the galaxy’s dust structure, researchers collected the galaxy’s starlight by combining images taken in visible and near-infrared light. The visible-light image captured only some of the light; the rest was obscured by dust. The near-infrared view, however, revealed more starlight because near-infrared light penetrates dust. The researchers then subtracted the total amount of starlight from both images to see the galaxy’s dust structure. The red color in the near-infrared image traces the dust, which is punctuated by hundreds of tiny clumps of stars, each about 65 light-years wide. These stars have never been seen before. The star clusters cannot be seen in visible light because dense dust enshrouds them. The image reveals details as small as 35 light-years across. Astronomers expected to see large dust clouds, ranging from about 100 light-years to more than 300 light-years wide. Instead, most of the dust is tied up in smooth and diffuse dust lanes. An encounter with another galaxy may have prevented giant clouds from forming. Probing a galaxy’s dust structure serves as an important diagnostic tool for astronomers, providing invaluable information on how the gas and dust collapse to form stars. Although Hubble is providing incisive views of the internal structure of galaxies such as M51, the planned James Webb Space Telescope (JWST) is expected to produce even crisper images. Researchers constructed the image by combining visible-light exposures from Jan. 18 to 22, 2005, with the Advanced Camera for Surveys (ACS), and near-infrared light pictures taken in December 2005 with the Near Infrared Camera and Multi-Object Spectrometer (NICMOS). Credit: NASA, ESA, S. Beckwith (STScI), and the Hubble Heritage Team (STScI/AURA)
Webb: pictures-of-space:



The Two-faced Whirlpool Galaxy
NASA image release January 13, 2011
In the image here, most of the starlight has been removed, revealing the Whirlpool’s skeletal dust structure, as seen in near-infrared light. This new image is the sharpest view of the dense dust in M51. The narrow lanes of dust revealed by Hubble reflect the galaxy’s moniker, the Whirlpool Galaxy, as if they were swirling toward the galaxy’s core.
To map the galaxy’s dust structure, researchers collected the galaxy’s starlight by combining images taken in visible and near-infrared light. The visible-light image captured only some of the light; the rest was obscured by dust. The near-infrared view, however, revealed more starlight because near-infrared light penetrates dust. The researchers then subtracted the total amount of starlight from both images to see the galaxy’s dust structure.
The red color in the near-infrared image traces the dust, which is punctuated by hundreds of tiny clumps of stars, each about 65 light-years wide. These stars have never been seen before. The star clusters cannot be seen in visible light because dense dust enshrouds them. The image reveals details as small as 35 light-years across.
Astronomers expected to see large dust clouds, ranging from about 100 light-years to more than 300 light-years wide. Instead, most of the dust is tied up in smooth and diffuse dust lanes. An encounter with another galaxy may have prevented giant clouds from forming.
Probing a galaxy’s dust structure serves as an important diagnostic tool for astronomers, providing invaluable information on how the gas and dust collapse to form stars. Although Hubble is providing incisive views of the internal structure of galaxies such as M51, the planned James Webb Space Telescope (JWST) is expected to produce even crisper images.
Researchers constructed the image by combining visible-light exposures from Jan. 18 to 22, 2005, with the Advanced Camera for Surveys (ACS), and near-infrared light pictures taken in December 2005 with the Near Infrared Camera and Multi-Object Spectrometer (NICMOS).
Credit: NASA, ESA, S. Beckwith (STScI), and the Hubble Heritage Team (STScI/AURA)

pictures-of-space: The Two-faced Whirlpool Galaxy NASA image release January 13, 2011 In the image here, most of the starlight has bee...

Webb: THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM lifepro-tips: The Debt Pool: Avoiding Student Loan Debt
Webb: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
lifepro-tips:



The Debt Pool: Avoiding Student Loan Debt

lifepro-tips: The Debt Pool: Avoiding Student Loan Debt

Webb: THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM frugallivingblog: The Debt Pool: Avoiding Student Loan Debt
Webb: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt

frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

Webb: THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM frugallivingblog: The Debt Pool: Avoiding Student Loan Debt
Webb: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt

frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

Webb: SPACE EVENTS 2015 EARLY 2015 JAN 20 The Philae lander will awaken. It fell into an idle mode after it came to rest between two The United Launch Alliance Atlas V rocket shadowy cliffs. launches the Mobile User Objective System (MUOS) for the U.S. Navy. JAN 27 - 29 JAN 31 The NIAC Program will generate radically better and entirely new aerospace concepts. A SpaceX Falcon 9 rocket launches DSCOVR, a satellite designed to warn of harmful solar activity. FEB 11 Europe is due to launch a test flight of its reusable Intermediate eXperimental Vehicle (IXV). MAR 6 NASA's Dawn probe will arrive at Ceres, which was considered to be the largest asteroid in our Solar System until it was officially classified as a Dwarf Planet. MAR 20 The dark shadow of the moon will trace a curved path primarily over the North Atlantic and Arctic oceans. MAR 27 NASA astronaut Scott Kelly and cosmonaut Mikhail Kornienko will start a one-year stay in MARCH space on the ISS. A first. NASA's MESSENGER mission will end, sending the probe crashing into Mercury. MARCH MARCH An Atlas V rocket launches the Magnetospheric Multiscale mission designed to take measurements of magnetospheric boundary regions. The Delta IV rocket launches the GPS IIF-9, the eighth in a series of next-generation GPS satellites which will improve GPS accuracy worldwide. APR 12 Yuri's Night parties will be held around the world to celebrate Yuri Gagarin becoming the first person in space (1961) and the inaugural launch of NASA's Space Shuttle (1981). APR 24 The Hubble Space Telescope turns 25. It's expected to function through 2018. Its successor will be the James Webb Telescope. MAY JUNE The U.S. Air Force's secretive X-37B robotic space plane is expected to launch on its fourth mission. Its missions are classified. The SpaceX Falcon 9 rocket launches the Dragon spacecraft on the seventh operational cargo delivery mission to the ISS. JUNE JUL 14 The Atlas V rocket launches the GPS IF-10 satellite, the tenth in a series of next-generation GPS satellites, resulting in improved GPS accuracy worldwide. NASA's New Horizons spacecraft will make its much-anticipated flyby of the dwarf planet Pluto. AUG 6 After 3 years on Mars, NASA's Curiosity rover will continue exploring the base of Mt. Sharp in Gale Crater throughout 2015. AUG 12 The Perseid meteor shower is usually considered to be among the best of the annual meteor displays at 90 meteors per hour. AUGUST The Rosetta spacecraft will accompany Comet 67P/ Churyumov-Gerasimenko on its closest approach to the sun, beaming back unprecidented science. NOV 5 - 12 Earth periodically encounters swarms of large particles, which can produce fireball meteors in certain years, and 2015 is predicted to be one of those years. DEC 13 - 14 The Geminid meteor shower may generate up to two meteor sightings every minute, or 120 per hour. 2015 The European Space Agency's LISA Pathfinder mission will attempt to detect ripples in space- time. LATE 2015 The EHT, is an array of telescopes around the world that will simulate a telescope the diameter of our planet, for the first time ever. FOREKAST. C O M Expected dates as of 20 January, 2015 CHECK OUT MEMEPIX.COM МЕМЕРIХ.Cом Upcoming Space Events of 2015!omg-humor.tumblr.com
Webb: SPACE EVENTS
 2015
 EARLY 2015
 JAN 20
 The Philae lander will awaken. It fell into an idle
 mode after it came to rest between two
 The United Launch Alliance Atlas V rocket
 shadowy cliffs.
 launches the Mobile User Objective System
 (MUOS) for the U.S. Navy.
 JAN 27 - 29
 JAN 31
 The NIAC Program will generate radically better
 and entirely new aerospace concepts.
 A SpaceX Falcon 9 rocket launches DSCOVR, a
 satellite designed to warn of harmful solar
 activity.
 FEB 11
 Europe is due to launch a test flight of its
 reusable Intermediate eXperimental Vehicle
 (IXV).
 MAR 6
 NASA's Dawn probe will arrive at Ceres, which
 was considered to be the largest asteroid in our
 Solar System until it was officially classified as a
 Dwarf Planet.
 MAR 20
 The dark shadow of the moon will trace a
 curved path primarily over the North Atlantic
 and Arctic oceans.
 MAR 27
 NASA astronaut Scott Kelly and cosmonaut
 Mikhail Kornienko will start a one-year stay in
 MARCH
 space on the ISS. A first.
 NASA's MESSENGER mission will end, sending
 the probe crashing into Mercury.
 MARCH
 MARCH
 An Atlas V rocket launches the
 Magnetospheric Multiscale mission designed
 to take measurements of magnetospheric
 boundary regions.
 The Delta IV rocket launches the GPS IIF-9, the
 eighth in a series of next-generation GPS
 satellites which will improve GPS accuracy
 worldwide.
 APR 12
 Yuri's Night parties will be held around the
 world to celebrate Yuri Gagarin becoming the
 first person in space (1961) and the inaugural
 launch of NASA's Space Shuttle (1981).
 APR 24
 The Hubble Space Telescope turns 25. It's
 expected to function through 2018. Its
 successor will be the James Webb Telescope.
 MAY
 JUNE
 The U.S. Air Force's secretive X-37B robotic
 space plane is expected to launch on its fourth
 mission. Its missions are classified.
 The SpaceX Falcon 9 rocket launches the
 Dragon spacecraft on the seventh operational
 cargo delivery mission to the ISS.
 JUNE
 JUL 14
 The Atlas V rocket launches the GPS IF-10
 satellite, the tenth in a series of next-generation
 GPS satellites, resulting in improved GPS
 accuracy worldwide.
 NASA's New Horizons spacecraft will make its
 much-anticipated flyby of the dwarf planet
 Pluto.
 AUG 6
 After 3 years on Mars, NASA's Curiosity rover
 will continue exploring the base of Mt. Sharp in
 Gale Crater throughout 2015.
 AUG 12
 The Perseid meteor shower is usually
 considered to be among the best of the annual
 meteor displays at 90 meteors per hour.
 AUGUST
 The Rosetta spacecraft will accompany Comet
 67P/ Churyumov-Gerasimenko on its closest
 approach to the sun, beaming back
 unprecidented science.
 NOV 5 - 12
 Earth periodically encounters swarms of large
 particles, which can produce fireball meteors in
 certain years, and 2015 is predicted to be one
 of those years.
 DEC 13 - 14
 The Geminid meteor shower may generate up
 to two meteor sightings every minute, or 120
 per hour.
 2015
 The European Space Agency's LISA Pathfinder
 mission will attempt to detect ripples in space-
 time.
 LATE 2015
 The EHT, is an array of telescopes around the
 world that will simulate a telescope the
 diameter of our planet, for the first time ever.
 FOREKAST. C O M
 Expected dates as of 20 January, 2015
 CHECK OUT MEMEPIX.COM
 МЕМЕРIХ.Cом
Upcoming Space Events of 2015!omg-humor.tumblr.com

Upcoming Space Events of 2015!omg-humor.tumblr.com

Webb: charl0ttes-webb: I can’t even say she overreacted
Webb: charl0ttes-webb:

I can’t even say she overreacted

charl0ttes-webb: I can’t even say she overreacted