I Cant Afford to Pay My Student Loans

What Happens If I Ignore My Student Loans?

Failing to repay debt is no joke, especially when you’re talking about student loans. If you default on federal student loans (the most common kind), you’ll likely have to deal with debt collectors, wage garnishment, loss of tax refunds and a trashed credit standing, making it difficult (if not impossible) to rent an apartment, buy a car, use a credit card, own a home or attain many forms of financial stability.

Student loans are a sticky topic. Our national student loan debt has hit the $1 trillion mark. There are different ideas on how to address this statistic, but the fact remains: a lot of people are struggling to pay back their loans. If you're in that boat, you should understand your options.

This hasn’t fazed Lee Siegel, who recently wrote about his decision to not repay his student loans in the New York Times. “I chose life,” he wrote in his column, which appeared in the opinion section on June 7. “That is to say, I defaulted on my student loans.”

If there's no way you can make your monthly student loan payments, we've put together a list of things you can do. We're not going to tell you how you can adjust your budget, find a better job or make sacrifices. But if you're interested in those topics, you might find these helpful:
·Should I Move to a New City to Look for a Job?
·How to Live Cheap and Put Hundreds of Dollars Back in Your Pocket (Without Becoming a Hobo)
·A Survival Guide for the Newly Unemployed
·SponsorChange Lets You Pay Off Your Student Loan With Volunteer Work
In the meantime, we'll assume you're already doing everything you can. If you still can't make it happen, here are your choices.

Don't Ignore Your Loans
Ignoring your student loans is probably the worst thing you can do. You don't want to become delinquent, and you definitely don't want to default on your loans.
The column is igniting a firestorm of commentary from many corners of the Internet, bringing the topic of strategic student-loan default to the forefront of online conversations. What exactly happens when you don’t repay your student loans? Read on:
By some estimates, nearly one in three student loan borrowers in repayment are behind on their payments. Some of those borrowers may be paying as much as they can, when they can, but others may feel their debt is hopeless and are taking the ostrich approach instead.
Others, like Credit.com blog reader Laurie, aren’t even sure about the status of their loans. She wrote:  “I am working toward my master’s and the loans I have used are deferred. I took one year off school and didn’t realize I was delinquent on my loans.”
“Ignoring your debt only makes it worse,” may sound cliche, but when it comes to these loans in particular, there is truth in that adage. Student loans don’t just go away, and the consequences of making no attempt to pay or resolve them can be severe.
But what does happen if you ignore your student loans?
The Consequences
You’ll get deeper in debt. Interest will continue to accrue and your balances that seem so daunting now will get even larger. Loans that go to collections will incur additional collection costs of up to 25%. Ouch! (State law may limit collection costs.)
Your credit scores will suffer. Late payments will appear on your credit reports and your credit scores will go down. Negative information may be reported for up to seven years, and for many graduates their credit scores are more important than their college GPAs when it comes to real life.
You will eventually go into default. Most federal loans are considered to be in default when a payment has not been made for 270 days. Once you are in default, the government has “extraordinary powers” to collect, as we’ll describe in a moment.
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Private student loans are a bit different, though. The definition of “default” depends on the contract, and may include simply missing one payment or the death of a co-borrower. Private loan lenders don’t have the same collection powers as the federal government but they can sue the borrower, and if they are successful, then use whatever means available under state law to collect the judgment.
“When it comes to private student loan debt, the one axiom people need to remember is doing nothing will generally leave you really, really screwed,” says Steve Rhode, founder of GetOutofDebt.org.
You may have to kiss your tax refund goodbye. Expecting a tax refund? If you have a federal student loan in default, the federal government may intercept it. Married filing jointly? Your spouse’s portion of the refund may be at risk too, and they may have to file an injured spouse claim to recover it after the fact. (Private student loan lenders cannot intercept tax refunds.)
Your wages may be garnished. Normally, a creditor must successfully sue you in court in order to garnish your wages, and even if they are successful, there may be state limits on whether and how much income can be taken. But if you are in default with a federal student loan, the government may garnish up to 15% of your disposable pay. You may be able to challenge the garnishment under certain circumstances, but in the meantime, do you really want your employer to know you are in serious trouble with your loans?
Any co-borrowers are in as much trouble as you are. Anyone who co-signed a student loan for you is on the hook 100% for the balance. It doesn’t matter if it was your 80-year-old grandmother who co-signed for you; she is going to be pressured to pay and may be at risk for the same consequences you face.
You may be sued. Lawsuits are less common with federal loans than with private ones. (After all, why would the government sue when it has so many other ways to collect?) But a lawsuit is always a possibility especially if you ignore your student loans. If you are sued, you may find you need the help of an attorney experienced in student loan law to raise a defense against the lawsuit.
You’ll be haunted by this debt until you die. It may sound blunt, but it’s the reality. Student loan debt will not go away if you ignore it. There is no statute of limitations on federal loans, which means there is no limit on how long you can be sued. State statute of limitations do apply to private student loans, however, limiting the amount of time they have to sue to collect. But it doesn’t stop them from trying to collect from you — and if you don’t know your rights it may go on indefinitely.
“The biggest tragedy is all of that could be easily avoided by enrolling in one of the government programs to help people repay debt,” says Rhode. He is referring to programs available for federal loans such as Income-based Repayment (IBR) that allow some borrowers to qualify for a lower monthly payment based on income, and then discharge the remaining balance after a certain number of years of repayment.
But What if You Can’t Afford to Pay?
If you’re now convinced that you can’t ignore your loans, but you also are afraid because you don’t think you can afford to pay them, what can you do? For starters, get your free annual credit reports so you can see which loans are being reported by whom. Then get your free credit score using a service like Credit.com so you have a clear understanding of how this debt is affecting your credit. You can also use the National Student Loan Database to track down your loans.

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For federal loans, you can get back on track with a reasonable and affordable payment plan. Start the process at StudentLoans.gov. (Be careful if you talk with a collector or servicer about your options. Some provide borrowers with accurate information, but some do not.) Here’s a guide to options for paying off student loans.
For private loans, Rhode recommends you talk with an attorney who understands how to dicharge certain private student loans in bankruptcy. It can be tough to qualify, but not impossible. If that’s not an option, you may be able to try to negotiate a settlement.
While it’s never a good idea to ignore loans, there are times when a borrower simply cannot afford his or her loan payments. That’s especially true in the case of private loans, which don’t offer the same flexible options as federal ones.
“If you can’t pay, you can’t pay,” says attorney Joshua Cohen, who is known as The Student Loan Lawyer. “Your living expenses are more important than your private loans, and your federal loans are more important than your private loans,” he says. “It is important to prioritize.”

10 Cannabis Studies the Government Wished it Had Never Funded

10) MARIJUANA USE HAS NO EFFECT ON MORTALITY: A massive study of California HMO members funded by the National Institute on Drug Abuse (NIDA) found marijuana use caused no significant increase in mortality. Tobacco use was associated with increased risk of death. Sidney, S et al. Marijuana Use and Mortality. American Journal of Public Health. Vol. 87 No. 4, April 1997. p. 585-590. Sept. 2002.
9) HEAVY MARIJUANA USE AS A YOUNG ADULT WON’T RUIN YOUR LIFE: Veterans Affairs scientists looked at whether heavy marijuana use as a young adult caused long-term problems later, studying identical twins in which one twin had been a heavy marijuana user for a year or longer but had stopped at least one month before the study, while the second twin had used marijuana no more than five times ever. Marijuana use had no significant impact on physical or mental health care utilization, health-related quality of life, or current socio-demographic characteristics. Eisen SE et al. Does Marijuana Use Have Residual Adverse Effects on Self-Reported Health Measures, Socio-Demographics or Quality of Life? A Monozygotic Co-Twin Control Study in Men. Addiction. Vol. 97 No. 9. p.1083-1086. Sept. 1997
8) THE “GATEWAY EFFECT” MAY BE A MIRAGE: Marijuana is often called a “gateway drug” by supporters of prohibition, who point to statistical “associations” indicating that persons who use marijuana are more likely to eventually try hard drugs than those who never use marijuana – implying that marijuana use somehow causes hard drug use. But a model developed by RAND Corp. researcher Andrew Morral demonstrates that these associations can be explained “without requiring a gateway effect.” More likely, this federally funded study suggests, some people simply have an underlying propensity to try drugs, and start with what’s most readily available. Morral AR, McCaffrey D and Paddock S. Reassessing the Marijuana Gateway Effect. Addiction. December 2002. p. 1493-1504.
7) PROHIBITION DOESN’T WORK (PART I): The White House had the National Research Council examine the data being gathered about drug use and the effects of U.S. drug policies. NRC concluded, “the nation possesses little information about the effectiveness of current drug policy, especially of drug law enforcement.” And what data exist show “little apparent relationship between severity of sanctions prescribed for drug use and prevalence or frequency of use.” In other words, there is no proof that prohibition – the cornerstone of U.S. drug policy for a century – reduces drug use. National Research Council. Informing America’s Policy on Illegal Drugs: What We Don’t Know Keeps Hurting Us. National Academy Press, 2001. p. 193.

6) PROHIBITION DOESN’T WORK (PART II): DOES PROHIBITION CAUSE THE “GATEWAY EFFECT”?): U.S. and Dutch researchers, supported in part by NIDA, compared marijuana users in San Francisco, where non-medical use remains illegal, to Amsterdam, where adults may possess and purchase small amounts of marijuana from regulated businesses. Looking at such parameters as frequency and quantity of use and age at onset of use, they found no differences except one: Lifetime use of hard drugs was significantly lower in Amsterdam, with its “tolerant” marijuana policies. For example, lifetime crack cocaine use was 4.5 times higher in San Francisco than Amsterdam. Reinarman, C, Cohen, PDA, and Kaal, HL. The Limited Relevance of Drug Policy: Cannabis in Amsterdam and San Francisco. American Journal of Public Health. Vol. 94, No. 5. May 2004. p. 836-842.
5) OOPS, MARIJUANA MAY PREVENT CANCER (PART I): Federal researchers implanted several types of cancer, including leukemia and lung cancers, in mice, then treated them with cannabinoids (unique, active components found in marijuana). THC and other cannabinoids shrank tumors and increased the mice’s lifespans. Munson, AE et al. Antineoplastic Activity of Cannabinoids. Journal of the National Cancer Institute. Sept. 1975. p. 597-602.
4) OOPS, MARIJUANA MAY PREVENT CANCER, (PART II): In a 1994 study the government tried to suppress, federal researchers gave mice and rats massive doses of THC, looking for cancers or other signs of toxicity. The rodents given THC lived longer and had fewer cancers, “in a dose-dependent manner” (i.e. the more THC they got, the fewer tumors). NTP Technical Report On The Toxicology And Carcinogenesis Studies Of 1-Trans- Delta-9-Tetrahydrocannabinol, CAS No. 1972-08-3, In F344/N Rats And B6C3F Mice, Gavage Studies. See also, “Medical Marijuana: Unpublished Federal Study Found THC-Treated Rats Lived Longer, Had Less Cancer,” AIDS Treatment News no. 263, Jan. 17, 1997.
3) OOPS, MARIJUANA MAY PREVENT CANCER (PART III): Researchers at the Kaiser-Permanente HMO, funded by NIDA, followed 65,000 patients for nearly a decade, comparing cancer rates among non-smokers, tobacco smokers, and marijuana smokers. Tobacco smokers had massively higher rates of lung cancer and other cancers. Marijuana smokers who didn’t also use tobacco had no increase in risk of tobacco-related cancers or of cancer risk overall. In fact their rates of lung and most other cancers were slightly lower than non-smokers, though the difference did not reach statistical significance. Sidney, S. et al. Marijuana Use and Cancer Incidence (California, United States). Cancer Causes and Control. Vol. 8. Sept. 1997, p. 722-728.
2) OOPS, MARIJUANA MAY PREVENT CANCER (PART IV): Donald Tashkin, a UCLA researcher whose work is funded by NIDA, did a case-control study comparing 1,200 patients with lung, head and neck cancers to a matched group with no cancer. Even the heaviest marijuana smokers had no increased risk of cancer, and had somewhat lower cancer risk than non-smokers (tobacco smokers had a 20-fold increased lung cancer risk). Tashkin D. Marijuana Use and Lung Cancer: Results of a Case-Control Study. American Thoracic Society International Conference. May 23, 2006.
1) MARIJUANA DOES HAVE MEDICAL VALUE: In response to passage of California’s medical marijuana law, the White House had the Institute of Medicine (IOM) review the data on marijuana’s medical benefits and risks. The IOM concluded, “Nausea, appetite loss, pain and anxiety are all afflictions of wasting, and all can be mitigated by marijuana.” While noting potential risks of smoking, the report acknowledged there is no clear alternative for people suffering from chronic conditions that might be relieved by smoking marijuana, such as pain or AIDS wasting. The government’s refusal to acknowledge this finding caused co-author John A. Benson to tell the New York Times that the government loves to ignore our report; they would rather it never happened. (Joy, JE, Watson, SJ, and Benson, JA. Marijuana and Medicine: Assessing the Science Base. National Academy Press. 1999. p. 159. See also, Harris, G. FDA Dismisses Medical Benefit From Marijuana. New York Times. Apr. 21, 2006)

DIY QI wireless charger

Here I built a Qi wireless charger for under $15.
 This idea came to me after I spent $60 on the Samsung charger and I wanted another. But did not want to spend another $60. So, I built my own. I also made one for my truck. I will post the video later.
Ebay Part Qi Charger

Watch Mayweather vs Pacquiao Fight Live Streaming Video

Mayweather vs Pacquiao, billed as the Fight of the Century, is an upcoming boxing match between eight-division world champion Manny Pacquiao and undefeated, five-division world champion Floyd Mayweather, Jr. Despite predictions that Mayweather–Pacquiao would be the highest grossing fight in history as early as 2009, disagreements between the two boxers’ camps on terms for the fight prevented the bout from coming to fruition until 2015.The failure to make the Mayweather–Pacquiao fight was named The Ring magazine Event of the Year for 2010.However, negotiations for the superfight in 2015 have since been finalized, with all of the major issues that have prevented the fight from happening in the past now resolved, including purse split, drug testing, and location of the bout. On February 20, 2015, Mayweather confirmed on social media that the fight had indeed been signed by himself as Pacquiao already had signed the contract of the fight previously and the contract itself was with Mayweather on that day. The contest was agreed to be held on May 2, 2015.
We put link from below site list

Legal Disclaimer: We are not hosting nor uploading any streams whatsoever. For that reason, we can’t be accounted as responsible in any way in terms of accuracy, compliance, legality or copyright matters. This page only links to other sites on the web. These links are for informational purposes only.

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Breaking News --> Haitians Take Over Dominican Republic

Thousands of Haitians over ran the Dominican Republic today.  Re-naming the island as the Haitian Republic.   Leaders of Caribbean Community member-states have expressed "grave concern" at the ongoing difficulties faced by Haitian migrants and their children in the Dominican Republic.
Image result for Haitian mob
In a statement issued Tuesday following last week's CARICOM summit in the Bahamas, the leaders cited "a number of recent developments grievously affecting Dominicans of Haitian descent and Haitian migrants in the Dominican Republic."

"The process of regularizing Dominicans of Haitian descent arbitrarily deprived of their nationality by the Dominican Republic Constitutional Court ruling on nationality of September 2013 expired on 1 Feb. 2015," CARICOM noted.

Dominican officials declined to extend the deadline even though only 6,937 of Haitians eligible for regularization "were able to apply in time, leaving a large number, estimated to be over 100,000, vulnerable to expulsion," the statement said.
An estimated 1 million Haitians live in the Dominican Republic, most of them illegal immigrants working in agriculture and construction.

The Dominican Republic and Haiti shared the Caribbean island of Hispaniola, with Haiti in the western portion until today, when Haiti officially took over the Dominican Republic.
Though both countries are poor, Haiti is destitute, and Haitians cross the border to do work that many Dominicans will not do, such as harvesting sugarcane.

Today marks the first day Haitian Republic. which forces all  Dominican to where red hats...

Windows 10 Will Be a Free Upgrade for People Running Windows 8 and Windows 7

Windows 10 Will Be a Free Upgrade for People Running Windows 8 and Windows 7
Here’s some good news for Windows fans the world over. Microsoft will allow you to upgrade from Windows 7, Windows 8.1, or Windows Phone 8 for free to Windows 10. 
During today’s unveiling of Windows 10 for consumers, Terry Myerson executive vice president of Microsoft’s Operating Systems Group, revealed that the company will allow users of its most recent operating system, Windows 8.1, to upgrade free to its upcoming operating system in perpetuity. The 600-million-odd users of Windows 7 will have a year to take advantage of the full upgrade.
The last time round, Microsoft charged $120 to upgrade from Windows 7 to Windows 8 — one of the possible reasons the vast majority of Windows users declined to make the move.
This marks a significant shift in how Microsoft views Windows, Myerson says. Windows is no longer a static operating system but a constantly evolving service.
“The question of, ‘What version of Windows are you running?’ will no longer be a thing,” Myerson says. “Windows is a service. Users will always be up to date.”

In the Live Stream, Microsoft also announced that Cortana, its artificial intelligence-powered personal assistant and competitor for Apple’s Siri and Google Now, is coming to desktop PCs and Microsoft’s new Spartan browser. Cortana will be able to answer questions, manage your schedule, send emails on your behalf, and much more, says Joe Belfiore, corporate vice president of the Operating Systems Group.
“She’s like another member of the family, sitting around waiting to get things done,” says Belfiore.
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