You may qualify for student loan forgiveness if you volunteer with certain private or non-profit agencies. You will have to volunteer for a certain number of hours per year to qualify. Also, you may be eligible for forgiveness if you join the Army National Guard, AmeriCorps, or the Peace Corps.
Showing posts with label a word from Jeff Sutterfield. Show all posts
Showing posts with label a word from Jeff Sutterfield. Show all posts
Sunday, February 5, 2012
Thursday, January 12, 2012
What are you going to do with that fat tax return?
well, we can dream and we can justify for about two minutes.... time's up. We are reducing credit card debt.
Paying off a credit card completely seems as if it should do wonders for your credit, but it could be better for your credit score to leave a small balance on the card. When a small amount is owed, the remaining credit on your card is factored into your credit utilization ratios, whereas cards with no balance don't count. So oddly, your credit score can actually drop when you bring a card balance down to zero.
If you've scrimped and struggled to pay off a card, your initial reaction may be to cut up the plastic and close the account. Resist the urge. Various factors are taken into account when calculating your creditworthiness, and 15% of your score is determined by the length of your credit history. By closing an account, especially an older one, you shorten your credit history. The more established accounts you have, the higher your credit score.
Credit card companies also look at how much of your available credit you are using, which is referred to as your credit utilization rate. They like to see 35% or less of your credit in use at any one time. Paying off a credit card and leaving it open improves your utilization score, but closing it could do just the opposite.
Paying off a credit card completely seems as if it should do wonders for your credit, but it could be better for your credit score to leave a small balance on the card. When a small amount is owed, the remaining credit on your card is factored into your credit utilization ratios, whereas cards with no balance don't count. So oddly, your credit score can actually drop when you bring a card balance down to zero.
If you've scrimped and struggled to pay off a card, your initial reaction may be to cut up the plastic and close the account. Resist the urge. Various factors are taken into account when calculating your creditworthiness, and 15% of your score is determined by the length of your credit history. By closing an account, especially an older one, you shorten your credit history. The more established accounts you have, the higher your credit score.
Credit card companies also look at how much of your available credit you are using, which is referred to as your credit utilization rate. They like to see 35% or less of your credit in use at any one time. Paying off a credit card and leaving it open improves your utilization score, but closing it could do just the opposite.
Thursday, June 2, 2011
Services for Human Trafficking Victims Grant Available
Application deadline: July 5, 2011
Through the FY 2011 Services for Victims of Human Trafficking solicitation, OVC will award discretionary grants of $200,000 to $400,000 to support services for trafficking victims in specific geographic areas or specialized mental health or legal services over larger geographic areas. The grants will also aid efforts to increase the capacity of communities' responses to victims.
Contact Information
For technical assistance with submitting the application, contact the Grants.gov Customer Support Hotline at 800–518–4726 or via e-mail to support@grants.gov.
Note: The Grants.gov Support Hotline hours of operation are 24 hours a day, 7 days a week, except federal holidays.
For assistance with any other requirement of this solicitation, contact either Bradley Mitchell, OVC Team Lead, at 202–514–9069 or by e-mail to bradley.mitchell@usdoj.gov, or Mary Atlas-Terry, OVC Victim Justice Program Specialist, at 202–353–8473 or by e-mail to mary.atlasterry@usdoj.gov.
Grants.gov number assigned to announcement: OVC-2011-3047
Sunday, April 11, 2010
Monday, July 27, 2009
financial advise
A bankruptcy stays on your credit report for 10 years. Other negative information stays for 5 to 7 years depending on the type of item it is. I don't know which Bible they are reading.
The problem is that there are many sources that check credit reports. Banks, insurance companies, mortgage companies, finance companies, employers, etc. determine their rates and even IF they will open an account for you based on a person's credit report. There are many companies that check credit as a pre-condition to hiring someone. It would be far better to get it cleaned up now than to wait 10 years and endure the problems that are certain to affect their lives.
The problem is that there are many sources that check credit reports. Banks, insurance companies, mortgage companies, finance companies, employers, etc. determine their rates and even IF they will open an account for you based on a person's credit report. There are many companies that check credit as a pre-condition to hiring someone. It would be far better to get it cleaned up now than to wait 10 years and endure the problems that are certain to affect their lives.
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