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Avoid College Debt With Coupon Codes, Credit Cards + More Tips.

Avoiding Excessive College Debt

Do you want to go to college, but are afraid of going into debt? That’s a smart thought. Especially in the United States, college can be extremely expensive. When the going gets tough, it’s easy to reach for federal student loans, outside loans, and credit cards. This article can help you keep a tight wrap on excessive college expenditures. The following are some tips to help you along the way.

Use Coupon Code Websites To Save on Textbooks:

At $200 a pop, the budget for textbooks can cripple you quickly. If you use coupon websites like CouponCoder.com, you can save money on your textbooks by using coupon codes:

http://www.couponcoder.com/abebooks-coupon-codes/

Now you didn’t hear it from me, but used textbooks work just as well as new editions. There might be some page number differences, but you really shouldn’t be too concerned about it. And your local bookshop tends to have prices that are even lower than anything you’ll find on AbeBooks or Amazon.com.

 

Compare Tuitions For Different Colleges.

The first thing to consider when choosing a college is their tuition and fees. This is where most of your student account bill will come from. Your typical university will not offer free tuition, but did you know that there are a handful of colleges across the United States that will waive your entire tuition and you are not obligated to pay any of it back? A quick Google search will yield results that are hopefully in your vicinity. You may need to move further away from home than you want to, and the admissions process may be more competitive, but the money you will save will be worth it. This doesn’t mean that college is going to be totally free, however. You will still need to find a way to pay for books, room and board, and a meal plan.

Avoid Most Credit Cards.

Avoid credit cards if at all possible. It’s difficult to work full time and go to college full time, so it may be tempting to charge a few expenses with a credit card. Entrepreneurs will come out of the woodwork to find you and beg you to sign up for their student credit card, so proceed with caution and try not to let them rope you in. It would be hard to pay off a credit card before any APR grace period ends, and your debt will grow faster than any student loan could ever dream of.

Avoid Student Loans if at All Possible.

Try your best not to take out any student loans unless it’s absolutely necessary for the continuation of your education. Student loans have a bad rap, but they are probably the most friendly of all of the loans in existence aside from the one you never pay back to your grandparents. They provide an array of repayment options and hardship forbearance if you’re unable to make your payments. It sounds nice, but don’t be fooled. You essentially have to be on your death bed before you can file bankruptcy successfully on a student loan. Many people call their financial aid office and find out after the fact that the debt they thought they could write off will be with them until the bitter end. Try not to make this critical mistake.

Another reason to avoid student loan debt is the effect it will have on your debt-to-income ratio on your credit. It might actually help your credit score a lot if you are making payments on time, but if you are $40,000 in debt, chances are banks will not want to give you any additional loans, which include home loans, mortgages, and car loans. If you dream of owning a house, be careful with student loan debt because it can make it harder to get a good rate on a loan if they let you have one at all.

Avoid loans that are not federal loans such as Sallie Mae or other lenders. These loans are unforgiving and will turn you over to collections at the drop of a hat. If you have to resort to one of these loans, then you may consider another college or university, or opt for community college, where a simple Pell Grant could pay your entire tuition and fees. 

Still thinking that college is the way to go? Then get to it! Don’t be afraid of college expenses. There’s always a way around going into massive debt. Explore your options and stay away from credit cards and non-federal loans and you should stay debt-free.

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NAACP: Here’s Southwest Coupons So You Don’t Fly American Airlines.

 

NAACP Issues Travel Warnings against American Airlines

How many times in recent years have we heard “trouble in the skies” or “airline company drags passenger off flight?” It seems like it’s becoming a regular occurrence. Millions of Americans rely on airlines for regular travel, and it has become the norm to face a culture of fear when preparing for a flight. It’s like they’re trying to create a new meaning for “afraid of heights.” The culture across airline companies has been the subject of many news report headlines for disrespectful treatment towards minority passengers. The NAACP is taking a firm stance against such heinous treatment.

Here’s Southwest Vacations Coupon Codes So You Don’t Use American Airlines.

The NAACP is offering promo codes for Southwest Vacations packages, so that its members don’t  use American Airlines for the foreseeable future. 

 

Recent Issues

 

 

In a statement released on October 24, 2017, the NAACP issued a nationwide travel advisory – their first ever in history. Why? Recent activity among American Airlines has prompted an apparent pattern of complaints from passengers. Predominantly, passengers of color. Accusations of racial bias are being levied against the major airline.

Some of the more heinous crimes against black passengers by American Airlines include:

Forcibly removing a mother and her infant from a flight after the mother requested her child’s stroller

Forcing a black man off a plane after he responded to hateful racial remarks made by white passengers

After a black woman purchased two first-class tickets – one for herself and one for her white companion – she was asked to relocate to coach; her white companion was allowed to remain in first class

 

NAACP Statement

According to the official statement released by the NAACP, they have been monitoring the situation at American Airlines for several months. The pattern of disturbing incidents has only increased. In light of the severe confrontations, they have issued the following warning for African Americans:

“exercise caution… booking and boarding flights on American Airlines could subject [you] to disrespectful, discriminatory, or unsafe conditions.”

 

American Airlines

American Airlines has responded by stating they are “disappointed… committed to providing a safe travel experience for everyone.” Airline representatives have agreed to meet with officials from the NAACP at an undisclosed date.

 

 

Thoughts

When riots occur almost daily, school shootings are met with apathy, and the president exhibits clear racial bias, we can expect to witness such metastasis of society. Does that make it right? No. We live in turbulent times, but we are all American.

This isn’t the first time we’ve seen unnecessary force from airline workers. When passengers pay for a ticket, whether they be Black, White, Hispanic, or Asian, they deserve to be treated as customers. They deserve to be treated with respect. Some have posited that such rampant disrespect to airline customers can be attributed to poor training.

Unfortunately, the problem may reside deeper than training. When people of color are portrayed in a negative light on a daily basis by the media, how do you train employees to overcome the embedded latent bias? The NAACP has taken the first step toward speaking out. We must all follow suite as Americans and collectively voice our repulsion. We will not stand for unlawful, disrespectful, harmful treatment.

Host a Website? How You Can Help Fight Terror

Public Awareness Can Help in the War on Terrorism

We see news headlines every day about new terrorist attacks and threats throughout the world. We hear about how the public can help by becoming aware of surroundings and reporting any suspicious behavior or items of suspicion to authorities. What exactly does this mean, and what are we supposed to look for?

In a world where the costs of owning your own website are going way down, ordinary people can now help spot and track suspicious behavior.

Possible Indications of Threats

One thing the public is told to watch out for is suspicious packages, backpacks or suitcases left in public places. Another thing to watch for is the behavior of people around you. You may see someone taking a lot of pictures of something that doesn’t seem significant, like a public building. You might observe them making notes, looking at or creating maps. Other things you’re advised to look for include:
. Strong odors coming from places like buildings or vehicles, unusual chemical or burning odors
. People wearing a lot of clothing on a hot day, being overdressed
. People who are acting nervous or in ways that are strange enough to arouse suspicion
4. Someone who avoids eye contact in addition to acting nervously, doing things like pacing
. In a store, if you see someone making unusual purchases. This can include trying to buy uniforms, weapons, propane bottles, large amounts of fertilizer, ammunition or chemicals
. In an apartment building, watch for unusual visitors, suspicious people who come and go at odd hours or who seem to be acting like they don’t want to be seen.
. Vehicles large enough to hold explosives or hazardous materials, especially if the vehicle is parked and left unattended in an unusual place.
. Someone looking at a building with binoculars
. When you live in an apartment building, be aware of those around you. Get to know neighbors and regular delivery people, like your mail delivery person. Be suspicious if someone new is hanging around, especially if they are there consistently for a period of time.

Certain Types of Employees Can Help by Being Aware

Employees who can be especially helpful in identifying suspicious people or behavior include waiters or waitresses, airport personnel, people who work in retail places like pharmacies, hobby shops or hardware clerks. What can these people look for? Restaurant workers can watch for people sitting in a booth or at a table for long periods of time that seem to be more interested in what’s going on outdoors than in eating or having a conversation with a person they’re with.

Workers in airports can watch for suspicious behaviors like pacing, nervousness or leaving an item unattended and quickly walking away. Retail pharmacy employees can watch for unusual purchases like isopropanol, or thefts of things like fentanyl, or even unusual antibiotic requests. Hardware store workers can watch for purchases of unusual things like large amounts of fertilizer containing ammonia nitrate, pesticides, gas canisters or even pipes with threads and endcaps.

Even retail employees of rental vehicle businesses can make awareness a part of their everyday routine by watching for people who want to rent vans or utility vehicles, and who are not very forthcoming with reasons for wanting to rent these vehicles. Employees of storage rental companies can watch for strange movement in and out of storage units, especially if it involves large drum type containers.

How Can Private Companies Help?

Companies can help by keeping good track of uniforms that are issued to employees, ID cards, and items like vehicle stickers. If items are suddenly being stolen, or if employees are threatened or harmed by someone trying to acquire uniforms and identification, the company should act quickly to step up safety precautions. This is especially true in protected buildings.

There should be an awareness of employees who earn high salaries, with steps to protect them on their way in and out of places like parking garages to prevent possible kidnapping attempts. People can be kidnapped and held hostage for more reasons than money. Their families could be coerced into delivering or planting an explosive device.

The See Something Say Something Campaign

You may have heard of a campaign by the Department of Homeland Security in partnership with law enforcement officials called “See Something Say Something.” This was put into place as a way for ordinary citizens to report unusual people or behavior that happens as they go about their daily activities.

The things you should report to law enforcement include who or what you saw, where it happened, the time and date you saw something and the reason you think the person or their behavior was suspicious. You know if something doesn’t look right, especially when you are in an area or doing activities on a regular basis. Chances are that you could identify suspicious people or behavior almost as well as a law enforcement person could.

It’s important for people to feel that they can go about their daily business, only with a heightened sense of awareness of their surroundings, suspicious objects and the people who are present. It won’t help anyone to feel helpless. No one wants to feel like we have to rely entirely on law enforcement either. Just by reporting suspicious people or behavior, you could end up preventing terrorist activity. This can help make every citizen feel more empowered in the war on terror.

Death Toll Hits 30 in London's Grenfell Tower Blaze

Death Toll Hits 30 in London’s Grenfell Tower Blaze

You may want to hold off on your trip to London. At least for a few days while London reacts to this unprecedented high-rise fire.

Recently, London has had to face and deal with so many catastrophic situations that it has left the country in a pure state of shock. The most recent incident being the fire that incinerated through the 24-story apartment tower in the West of London. This horrifying incident has now landed up claiming at least 30 lives and one hopes that the number does not climb. However, unfortunately, that may not happen as the BBC has reported that the death toll could rise up to 76.  Here is a look at the devastating blaze.

The rising death toll

It is a grim reality that has seen a steady rise in the death toll since it broke out on Wednesday morning. Unfortunately, the numbers just went up from 6, 12, 17 and now at a terrifying 30. To make matters worse, Metropolitan Police commander, Stuart Cundy, had said that quite a few of the victims might not be able to be identified. And that the death toll should not rise above 100.

It is extremely heartbreaking to see know that some of the victims will remain unidentified. However, the police did say that they are doing everything they can to make sure that they have identification placement on these victims. They are not leaving any stone unturned and will be using dental records, DNA samples and fingerprints, that will help identify the victims. Even things like tell-tale features that stand out like tattoos, jewelry and cars are being used to track the victims. But the unfortunate reality of this is that the intensity by which the fire broke out has made the identification process of the victims so slow and long hauled. There is a strong possibility that some bodies will be beyond recognition, if not totally reduced to ash but the town remains to stand still for a better part of the day since what occurred was unexpected anymore.

The anger

Mayor Sadiq Khan was bombarded with questions by the angry locals, as he walked through the west London neighborhood. People want answers as to what could have gone so horrifyingly wrong that the fire was unstoppable and took so long to be put under control.

Police have opened up an investigation following this incident and will be going through all details to get the answers. The government has now actually ordered a judge-led inquiry into this Wednesday’s disaster. They are certainly under a lot of pressure to act quickly as people continue their wait.

White House Under Investigation in Russia Probe

White House Under Investigation in Russia Probe

Ever since the Presidential elections, the US has been under the biggest scrutiny of all times and has indeed been right up there among the Watergate’ and Kennedy’ issues. It is constantly on the news and we are getting bombarded with information from all the angles about every single activity linked with the US President Donald Trump. President Trump has been on the hot seat ever since being elected as the President.

One of the major incidents under heavy scrutiny is the Russia Probe and the White House advisor under the magnifying glass. There have been so many links and possible coordination tie-ups with the Trump campaign and Russia.

The FBI Incident

As per reports, President Trump claims to have been under great pressure’ because of the Russian investigation and was actually said to have described FBI Director James B. Comey ‘as crazy, a real nut job’. The FBI went straight into the White House with the Russia probe investigation and there have been revelations about the Russian interference with the US election. There are further allegations that President Donald Trump actually did attempt to obstruct justice.

The investigation unfolds

Special Counsel Robert Mueller, investigating the alleged Russian interference in the election and the tie-up with the Trump campaign is now – “Focusing on crimes that occurred in the White House”. All this was instigated by one move of President Trump to fire FBI Director James Comey on the 9th of May. There is a latest tweet by Mr. Abramson, posted on Twitter that reads – “The White House is now a crime scene.”

Mr. Comey believes that he was fired due to the fact that Mr. Trump wanted the Russian probe to be taken out of the equation, to be left at its own peril. Mr. Trump also wanted statements being issued that there was no evidence whatsoever of coordination between Russia and his campaign. There were several legal experts who said that Mr. Comey’s testimony could indeed bolster obstruction of the justice allegations against the President. It is constantly on the news and we are getting bombarded with information from all the angles

Could this be the basis of impeachment?

Well, if an obstruction of justice is reached at then that could actually start to form the basis for President Trump’s impeachment. That being said, it would be an extremely steep climb that would require approval by the US House of Republicans, that is controlled by the President’s Republicans.