Category: Uncategorized

abebooks coupon codes 2018

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:

Coupon websites are a no-brainer way to save money. You have to make purchases, and if you need to do it online, then a quick google search for a coupon code can save you a bunch off your order, no matter what you’re buying. The Wise Investing homepage includes some necessary finance related coupons (like new customer bonuses at banking institutions).

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.

lucid dreaming supplements and pills

Lucid Dreaming and When it Occurs

Lucid dreaming refers to the ability to sleep and dream with the full awareness that you are dreaming. Thus, typically it involves drifting away to the dream world by letting the body rest but being in an entirely wakeful and conscious state of mind. It is a complicated ability to develop: lucid dream pills can facilitate a lucid experience. And by ‘free lucid dreaming’, we are referring to the free movement or high flexibility of one inside the dream of being able to do anything as desired.

Say farewell to your dreams and nightmares which are taking place beyond your control and imaginations and prepare to have the lucid dream. Usually, dreams happen while you are asleep and when unconscious, unlike Lucid dreams which occur while you’re conscious.

lucid dreaming supplements and pillsDon’t come to frown; it does not require an extraordinary mindset or supernatural power. If you believe, you are not able to see it with your mindset, just train your mind to have lucid dreams. A lucid dream may occur to all if you take a little bit effort to prepare a mindset for that. It requires a controlled mind and disciplined lifestyle. Why disciplined lifestyle? Your lifestyle will affect your mindset and confidence. Your brain requires minimum energy, which you can acquire only through disciplined effort.

Let’s Get Started Practicing:

To practice lucid dreams, you need to prepare your mind. The human mind is constituted of both the conscious and subconscious mind. Our strong desires are laying in the subconscious mind. This subconscious mind becomes active when the conscious mind goes out of action. If you can activate your subconscious mind while your conscious mind also in working, you can dream consciously.

How is it possible, a relevant question? Human mind a world of mystery and you can shape and polish it according to your will if you are constantly in an effort and disciplined in lifestyle. In normal cases, a mind is full of thoughts, and it works out without any proper control. As a first step to control your mind, you need to acquire the ability to direct your mind according to your wishes, whenever you want to do.

You can do this through some intellectual exercises like meditation and practicing yoga. While you are meditating, you will be able to slow down the frequency of your thoughts and reduce its volume up to alpha frequency.

You need to improve your recollection skills. Lucid dreams occur while you are recollecting your dreams after wake up from sleep and the dreams progress further. However, as part of setting your mind, you need to improve your skill. Purchase a dream journal and note down your experience after each dream including, minute details. You can see your improvement after each attempt.

Sit in a lonely place, and close your eyes and bring certain images from your strong desires to your mind. Make sure that nothing should disturb your mind. Close your mind and recollect incidents of that day one by one. After completing it starts for the previous day. When you sit alone and concentrate on something, it will help you to recollect incidents. Practice it every day to improve your memorizing skill.

Set up an alarm clock which schedule to ring while you are sleeping. When alarm rings that will disturb your sleep and dream. Switch off an alarm and get back to sleep soon. Try hard to recollect the images that you have been visualizing, and once you get something you can continue it. In this state of dream, you will be in the mood of half asleep and half awake. If you practice it regularly, you can have lucid dreams.

After you get to bed close your eyes and lay flat before sleeping. While you do this ensure that your hands are on both sides of your body. Put your focus on the roof and try to remember all the life events that occurred on that particular day. Various pictures while appear in your mind. have your focus on one of the pictures. This will disconnect you with your actual world, and this visualizes certain pictures from your deep mind.

Regular Meditational practices along with the methods of dream spinning and verbal affirmation will pave the path of disturbance-free lucid dreaming. You can do whatever you want in your dreams, and there would not be any barrier standing in your way in doing whatever you want and going wherever you desire.

southwest vacations promo code 2018

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. Before the biggest problem was getting scolded for not taking your headphones off during the safety presentation. 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.