How You Can Apply For Private Pupil Loans | Agreeable Articles

Being a private student loans is easy. All an individual has to do is go visit the FAFSA web site and fill out their financial aid form. After they procedure the form, the person could get a go over of their financial aid and know just how much they prepare for being a student loan. An alternative is going to a bank and applying for their student loans they offer.

To be able to locate assist on-line for pupil financial aid, there are lots of resources accessible. First of all, one might fill out their FAFSA online. This allows the federal government to evaluate your family income, allowing them to distribute applicable federal loans. Other methods to receive financial aid are applying for student loans, which will be paid back over time. This is generally used to make up the distinction between the federal loan and the price of university.

A Perkins loan is a low interest student loan provided to university students on both undergrad and graduate level. It is one of a number of types of federal loans and is included in financial aid programs. To obtain a Perkins loan you must meet the eligibility requirements, have submitted a FAFSA, and your financial institution could determine just how much you will receive from the federal Perkins loan program.

The persons who could provide the most info or advice associated to financial aid, particularly a student loan, would be the financial aid guide at the University/Higher learning institute. In the case of federal loans, it?s completely dependent on which form of federal loan the individual is looking to obtain and what the loan could be for. Financial aid advice would come from a state representative.

Even though most federal loans may be applied for when already in school, it?s a great idea to apply for financial aid as early as you possibly can. A scholarship or student loan may have a specific due date attached, so locate loans and scholarships you?re fascinated in and do not forget to apply. As well, make sure you complete the Free Application for Federal Pupil Assist(FAFSA) by June 30th to apply for federal assistance.

There are many things to consider right before you use student loan money to pay off credit cards. First, you should double check that there are not legal ramifications of utilizing your student loan money on something other than your education. If there aren?t, or you are willing to risk it, you can pay off credit cards. This is primarily because the interest rate that comes with your student loans is probably much lower than that of your credit cards. In addition, depending on the kind of student loan you high quality for as portion of your financial aid, your loans might be delayed, and might not even obtain interest for the time you are in school.

To apply for a Pell Grant, a pupil must complete the FAFSA form. Go to http://www.ed.gov/programs/fpg/index.html. This kind financial aid, unlike student loans, doesn?t need to be repaid and is based upon need. The FAFSA as well allows you to qualify for federal loans and other forms of aid.

Source: http://agreeablearticles.com/reference-education/how-you-can-apply-for-private-pupil-loans

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Earnings on deck as Europe eyed (Reuters)

NEW YORK (Reuters) ? Investors tiring of the euro zone's debt crisis dragging the market all over the place are hoping to focus on something else next week -- earnings.

But will third-quarter results be enough to drive the S&P 500 higher? Or will Europe's woes get in the way?

The unofficial start of earnings season begins on Tuesday, when Dow component Alcoa Inc (AA.N) reports third-quarter results after the close of trading.

The earnings and guidance that may follow could give investors some clues on the health of the global economy, including any impact the euro-zone debt crisis has had and might continue to have on profits.

But even if earnings paint a rosier picture than anticipated, stocks may face a stiff test in climbing much further, as analysts pointed to the declining 50-day moving average as a key resistance point that could limit gains. That level now sits around 1,178.

This week's sharp gains were built on improved hopes that European officials will get a handle on the euro-zone debt crisis. That fed a massive bout of short-covering as those betting against stocks were forced to buy shares to avoid losing money.

The benchmark S&P 500 index (.SPX)(.INX) rose 2.1 percent for the week, buoyed by a 6 percent jump mid-week, as it appeared plans in the euro zone to get a grip on the debt crisis were moving forward. The region remains a wild card, which could cause any gains to quickly vanish.

"For the next three weeks, in this country, earnings will be the focus and the subplot is going to be Europe -- Europe is always going to be just under the surface," said Ken Polcari, managing director at ICAP Equities in New York.

"But if all of a sudden in the middle of next week, some catastrophe happens in Europe, the focus is immediately going to be headline driven and goes back to Europe."

Other companies expected to post quarterly results next week include PepsiCo Inc (PEP.N), tech giant Google Inc (GOOG.O), JPMorgan Chase & Co (JPM.N) and toy maker Mattel Inc (MAT.O).

KEEPING THE BAR LOW

Clouding the picture for profits is the fact that many earnings estimates have been trimmed by analysts in light of the turmoil in Europe, a staggering global economy and other events which resulted in a more cautious forecast.

"You've got to remember what was going on in July with the debt-ceiling crisis, credit default -- companies were not willing to go out on a limb and make any big expectations," said Marc Pado, U.S. market strategist at Cantor Fitzgerald & Co. in San Francisco.

"So they were conservative going in, and we have not seen a whole lot of downward revisions, which suggests companies are probably going to be able to make those numbers."

The economic calendar for next week includes the FOMC minutes from the two-day meeting in late September, along with import prices and retail sales for September, in addition to the preliminary reading on October consumer sentiment from the Thomson Reuters/University of Michigan surveys.

Economic data of late has been better than expected, helping to quell fears that the economy was headed for a double-dip recession. Once again, that leaves the euro-zone crisis as a potential land mine to disrupt a slow move higher.

"The reason we have lifted in the past week is the rhetoric has improved and we are seeing progress, not necessarily a plan, but you are getting countries to admit to the problem, and that is a step in the right direction -- you have to seek help before you can get help," Pado said.

"That is all we really need in order to get beyond this, and start focusing on the future and focusing on our own data. We have plenty of data that suggests slow growth, but nothing that suggests waving the red flag like a crazy person saying, 'How can you not see this?'"

(Reporting by Chuck Mikolajczak; Editing by Jan Paschal)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20111008/bs_nm/us_markets_stocks_weekahead

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Kidnap victims allegedly held in Mexican jail (AP)

MONTERREY, Mexico ? Several police officers in northern Mexico allowed a violent drug gang to hold kidnap victims in the local jail while ransom payments were being negotiated, a state official said Thursday.

Hours later, the navy reported finding 32 bodies in three houses in the Gulf coast seaport of Veracruz, where just two weeks ago 35 tortured bodies were dumped in front of shocked motorists on a main avenue. The first incident appeared tied to fighting between rival drug cartels, but officials did not immediately say if Thursday's find was drug releated.

The scandal at the northern prison came to light this week when state and federal police freed two kidnapping victims from jail cells in Juarez. Investigators believe that the victims were abducted by the extremely violent Zetas cartel and that the officers were working for the Zetas, Domene said.

Four police officers from Juarez, a suburb of the city of Monterrey, are being held pending further investigation, said Jorge Domene, the security spokesman for Nuevo Leon state.

Local police in northern Mexico have often been bribed or threatened to work for drug gangs by providing them with information, protecting their activities or detaining and turning over members of rival gangs.

Domene noted that last weekend, the Nuevo Leon attorney general's office detained 73 local policemen from a half dozen communities in the state who confessed to having performed various services for gangs, including spying, acting as lookouts, and carrying out killings and kidnappings.

Authorities then conducted background checks on 99 other officers, 21 of whom were fired after refusing to cooperate. Forty-three have passed the checks so far.

The bloodshed in Veracruz appears related to a drug gang's challenge to the Zetas cartel, the violent gang that has been expanding its control of drug markets and trafficking routes, Mexican officials said.

A gang thought to be aligned with the Sinaloa cartel is apparently striking at the Zetas, who took control of the drug trade in Veracruz last year.

President Felipe Calderon decided last week to deploy federal police and security forces to the state of Veracruz.

The Mexician navy said all 32 bodies were found Thursday. it said Veracruz state agents found the first 20 inside a house in a residential neighrbohood. A search in a home at another subdivision yielded 11 more bodies, and the final body was discovered later in a third house.

President Felipe Calderon mentioned the problem of corruption in local police forces during a speech Thursday. A government report in September said many local officers still earn $350 a month or less, despite reform efforts aimed at increasing wages and decreasing corruption.

"We have barely been in time to put the brakes on organized crime in the first stages, but in some towns, in some areas of the country, they have infiltrated authorities in a practically symbiotic relationship," Calderon said during a speech to members of the business community Thursday.

He noted that in some instances, citizens who have filed complaints with police have been contacted immediately after by angry criminals, suggesting they were in league with the authorities.

Calderon ordered a deployment of federal police, soldiers and sailors to Acapulco and other cities in the Pacific coastal state of Guerrero, members of his security Cabinet said Thursday.

Acapulco has seen a surge in drug-related killings in the past year, Interior Secretary Francisco Blake Mora said.

In Sinaloa state, federal police said they detained two U.S. citizens for allegedly carrying two metric tons of marijuana in their motor home. Officers found the marijuana when they were called to a road rollover Wednesday, a statement said.

A man and woman from San Diego, California, were detained and are in the custody of federal prosecutors, the statement said. It said neither was seriously injured.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20111007/ap_on_re_la_am_ca/lt_drug_war_mexico

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Stocks mixed after unemployment rate stays high

In this Oct. 4, 2011 photo, trader Jason Weisberg works on the floor of the New York Stock Exchang. Investors were cautious on Friday, Oct. 7, 2011, ahead of U.S. jobs figures, with stocks down slightly after enjoying a couple of bumper days on hopes of a Europe-wide plan to fix the banking sector.(AP Photo/Richard Drew)

In this Oct. 4, 2011 photo, trader Jason Weisberg works on the floor of the New York Stock Exchang. Investors were cautious on Friday, Oct. 7, 2011, ahead of U.S. jobs figures, with stocks down slightly after enjoying a couple of bumper days on hopes of a Europe-wide plan to fix the banking sector.(AP Photo/Richard Drew)

A three-day rally faded on Wall Street Friday after a pickup in hiring last month failed to bring down the unemployment rate.

The Dow Jones industrial average edged up after the government's September jobs report, as larger companies rose more than the rest of the market. Broader indexes moved between small gains and losses.

U.S. employers added 103,000 jobs last month, about double what economists had expected, the Labor Department said early Friday. The government also said more jobs were added in July and August than previously reported.

Economists said the report countered short-term fears that the U.S. might be entering another recession. Yet it offered few signs that strong growth will return soon.

The Dow rose 45 points, or 0.4 percent, to 11,169 at noon Eastern time. Merck & Co. Inc., Pfizer Inc. Home Depot. Inc. and Boeing Co. led the Dow higher. Two-thirds of its 30 components rose.

Broader indicators were weaker. The Standard & Poor's 500 index fell a point, or 0.1 percent, to 1,164. The Nasdaq composite index lost 16, or 0.6 percent to 2,491.

Traders bought companies expected to do well even in a slow economy. Utilities, consumer staples and health care showed the strongest gains of the S&P's 10 industry groups.

The gains in hiring weren't enough to lower the unemployment rate, which remained steady at 9.1 percent for the third straight month. Traders watch the employment report closely because it provides the first significant snapshot of the previous month's economic performance and clues to the broader outlook for the U.S. economy.

The report led traders to sell ultra-safe investments that earn small returns such as U.S. Treasurys. Minutes after the report came out, the yield on the 10-year Treasury note rose to 2.11 percent from 1.98 percent. It remained at that level at midday. Bond yields rise as demand for them decreases.

The monthly jobs report is one of the few pieces of data powerful enough to overshadow traders' fears about Europe's festering debt crisis. Markets gyrated this summer as concerns intensified about a default by Greece. Many analysts now believe a default is unavoidable, and question whether Europe can prevent it from causing financial markets to seize up.

Short-term traders have reacted strongly to minor European developments, rumors and speculation. The Dow has closed up or down more than 100 points for nine straight trading days, the longest such streak since November 2008, in the middle of the financial crisis. The Dow soared 468 points, or 4.4 percent, Tuesday through Thursday.

Makers of high-tech lap equipment skidded after Illumina Inc. withdrew its annual earnings forecast, saying demand from government and academic customers had decreased in the slowing economy. Illumina lost one-third of its value. PerkinElmer Inc. plunged 9 percent; Thermo Fisher Inc. and Agilent Technologies Inc. lost 7 percent.

Sprint Nextel Inc. plunged 8 percent after the company said it needs to borrow money to build out a new high-speed data network. It had risen sharply earlier in the day after the company said its new deal to sell Apple Inc.'s iPhone will add to its revenue in the coming quarters.

Clearwire Corp. plummeted 26 percent after Sprint said it would stop selling phones that work on the company's network at the end of next year. Sprint is building its own high-speed wireless network.

Bank of America Corp. plunged 4 percent, the most in the Dow, after weeks of sharp movements caused by concerns about legal costs the bank faces over shoddy mortgages that it sold.

J.P. Morgan Chase & Co. lost 3 percent. Financial stocks have been extremely volatile because of fears that Europe's problems could spill over in the U.S. banking industry.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2011-10-07-Wall%20Street/id-dcb0df5c034c4495a4b466e9b9c05bb0

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Texan freed after DNA clears him in wife's slaying (AP)

GEORGETOWN, Texas ? A Texas grocery store employee who spent nearly 25 years in prison in his wife's beating death walked free Tuesday after DNA tests showed another man was responsible. His attorneys say prosecutors and investigators kept evidence from the defense that would have helped acquit him at trial.

Michael Morton, 57, was convicted on circumstantial evidence and sentenced to life in prison for the August 1986 killing of his wife, Christine. Morton said he left her and the couple's 3-year-old son to head to work early the morning of the slaying, and maintained through the years that an intruder must have killed her.

Prosecutors had claimed Morton killed his wife in a fit of rage after she wouldn't have sex with him following a dinner celebrating his 32nd birthday.

Wearing a simple button-down shirt and a nervous smile, Morton hugged each of his half-dozen defense attorneys, then hugged his parents after District Judge Sid Harle said he was a free man.

"You do have my sympathies," Harle said. "You have my apologies. . . . We do not have a perfect system of justice, but we have the best system of justice in the world."

Addressing reporters moments later, Morton struggled to hold back tears.

"I thank God this wasn't a capital case. That I only had life because it gave these saints here at the Innocence Projects time to do this," he said.

Texas has executed more prisoners than any other state. The New York-based Innocence Project, which helped Morton secure his release, specializes in using DNA testing to overturn wrongful convictions.

This summer, using techniques that weren't available during Morton's 1987 trial, authorities detected Christine Morton's DNA on a bloody bandana discovered near the Morton home soon after her death, along with that of a convicted felon whose name has not been released.

"Colors seem real bright to me now. Women are real good looking," Morton said with a smile. He then headed to a celebratory dinner with his family and lawyers.

The case in Williamson County, north of Austin, will likely raise more questions about the district attorney, John Bradley, a Gov. Rick Perry appointee whose tenure on the Texas Forensic Science Commission was controversial. Bradley criticized the commission's investigation of the case of Cameron Todd Willingham, who was executed in 2004 after being convicted of arson in the deaths of his three children. Some experts have since concluded the forensic science in the case was faulty.

Bradley did not try the original case against Morton. But the Innocence Project has accused him of suppressing evidence that would have helped clear Morton sooner. That evidence ? including a transcript of a police interview indicating that Morton's son said the attacker was not his father and that his wife's credit card and personal checks were used after she was killed ? was ultimately obtained through a Texas Public Information Act request.

Bradley agreed Morton should be freed after the other man's DNA was tied to a similar slaying in January 1988 ? after Morton was already in prison.

Harle signed an agreement Monday recommending that Morton's conviction be overturned. It was passed on to the state Court of Criminal Appeals, which will make the final ruling that could make Morton eligible for state compensation of $80,000 per year he was wrongfully imprisoned ? about $2 million total.

Morton is not allowed to leave Texas until the Court of Criminal Appeals rules. Innocence Project co-founder Barry Sheck said that process usually takes at least a month but could take two or three.

Asked if he ever thought he would be released, Morton said, "I prayed for it, and I had faith it would arise."

His lawyers said he couldn't answer more questions about his case because of the pending appeals court decision, and separate court filings charging police and prosecutorial misconduct.

Morton's defense attorney, John Raley, said his client was told a few years ago that if he showed remorse for the crime, he likely would have been paroled.

"I don't know what I would respond after the system had let me down the way it had and I'd been in prison 23, 24 years," Raley said. "But this man told them, `All I have left is my actual innocence. And if I have to spend the rest of my life in prison I'm not giving that up.'"

Morton's release could become an issue for Perry, who is vying for the Republican presidential nomination. Perry appointed Bradley to the forensic commission in 2009, but the Texas Senate refused to confirm him after he told reporters Willingham was a "guilty monster."

A report indicating that the science in the Willingham case might have been flawed was submitted to Perry's office as part of the appeals Willingham's lawyers filed before his execution.

Source: http://us.rd.yahoo.com/dailynews/rss/crime/*http%3A//news.yahoo.com/s/ap/20111005/ap_on_re_us/us_texas_prisoner_freed

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What to Expect at Apple's iPhone Event [Prediction]

Tomorrow Tim Cook will be talking iPhone and perhaps something else. Here's a list of all the things you can expect: More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/1F0XxUh0i6w/what-to-expect-at-apples-iphone-event-tomorrow

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Euro rises against dollar on signals of Fed action (AP)

WASHINGTON ? The euro rose against the dollar Tuesday after Federal Reserve Chairman Ben Bernanke said the Fed might take more action to help revive the U.S. economy.

The prospect of Fed action, along with news reports that European officials are coordinating a bank rescue, reversed a slide that had pushed the euro to a nine-month low against the dollar and a 10-year low against the Japanese yen.

The euro rose to $1.3361 at 4:28 p.m. Eastern time, from $1.3225 late Monday. It rose to 102.67 yen from 101.11.

Bernanke told Congress that the economy is growing more slowly than he anticipated. He also said the Fed is prepared to take further action to help reduce unemployment and boost growth.

Many traders took that as a sign that the Fed will buy more bonds to try to lower interest rates and ease the flow of credit. Bond-buying increases the number of dollars in circulation. That makes the dollar less attractive by diluting the value of traders' holdings.

Lower rates also make a currency less attractive because they reduce the return that traders can expect from many bonds. Currencies with higher interest rates generally are more attractive.

The euro was helped by signals from the European Central Bank Tuesday that interest-rate cuts there are unlikely. ECB President Jean-Claude Trichet said the central bank should focus on preventing inflation. Cutting rates generally increases the risk of inflation.

Some traders had expected the ECB to cut rates to help revive Europe's economy, which is barely growing.

In other trading, the British pound rose to $1.5489 from $1.5471 late Monday.

The dollar fell against several major currencies after Bernanke's downbeat remarks. It fell to .9165 Swiss franc from .9180 late Monday. It dropped to 76.81 yen from 76.96 late Monday.

The dollar rose to 1.0526 Canadian dollar from 1.0502.

Source: http://us.rd.yahoo.com/dailynews/rss/economy/*http%3A//news.yahoo.com/s/ap/20111004/ap_on_bi_ge/us_dollar

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