The Top 10 Student Loan Tips for Recent Graduates

Whether you just graduated, are taking a break from school, or have already started repaying your student loans, these tips will help you keep your student loan debt under control. That means avoiding fees and extra interest costs, keeping your payments affordable, and protecting your credit rating. If you're having trouble finding a job or keeping up with your payments, there's important information here for you, too.

1. Know Your Loans: It's important to keep track of the lender, balance, and repayment status for each of your student loans. These details determine your options for loan repayment and forgiveness. If you're not sure, ask your lender or visit www.nslds.ed.gov. You can log in and see the loan amounts, lender(s), and repayment status for all of your federal loans. If some of your loans aren't listed, they're probably private (non-federal) loans.  For those, try to find a recent billing statement and/or the original paperwork that you signed. Contact your school if you can't locate any records.

2. Know Your Grace Period: Different loans have different grace periods. A grace period is how long you can wait after leaving school before you have to make your first payment. It's six months for federal Stafford loans, but nine months for federal Perkins loans. For federal PLUS loans, it depends on when they were issued (see details). The grace periods for private student loans vary, so consult your paperwork or contact your lender to find out. Don't miss your first payment!

3. Stay in Touch with Your Lender: Whenever you move or change your phone number or email address, tell your lender right away. If your lender needs to contact you and your information isn't current, it can end up costing you a bundle. Open and read every piece of mail - paper or electronic - that you receive about your student loans. If you're getting unwanted calls from your lender or a collection agency, don't stick your head in the sand - talk to your lender! Lenders are supposed to work with borrowers to resolve problems, and collection agencies have to follow certainrules. Ignoring bills or serious problems can lead to default, which has severe, long-term consequences (see tip 6 for more about default.)

4. Pick the Right Repayment Option: When your federal loans come due, your loan payments will automatically be based on a standard 10-year repayment plan. If the standard payment is going to be hard for you to cover, there are other options, and you can change plans down the line if you want or need to. Extending your repayment period beyond 10 years can lower your monthly payments, but you'll end up paying more interest - often a lot more - over the life of the loan. Some important options for student loan borrowers are income-driven repayment plans such as Income-Based Repayment and Pay As You Earn which cap your monthly payments at a reasonable percentage of your income each year, and forgive any debt remaining after no more than 25 years (depending on the plan) of affordable payments. Forgiveness may be available after just 10 years of these payments for borrowers in the public and nonprofit sectors (see tip 10 below). To find out more about Income-Based Repayment and related programs and how they might work for you, visit IBRinfo.org.

Private loans are not eligible for IBR or the other federal loan payment plans, deferments, forbearances, or forgiveness programs.  However, the lender may offer some type of forbearance, typically for a fee, or you may be able to make interest-only payments for some period of time. Read your original private loan paperwork carefully and then talk to the lender about what repayment options you may have.

5. Don't Panic: If you're having trouble making payments because of unemployment, health problems, or other unexpected financial challenges, remember that you have options for managing your federal student loans. There are legitimate ways to temporarily postpone your federal loan payments, such as deferments and forbearance. For example, an unemployment deferment might be the right choice for you if you're having trouble finding work right now. But beware: interest accrues on all types of loans during forbearances, and on some types of loans during deferment, increasing your total debt, so ask your lender about making interest-only payments if you can afford it.

If you expect your income to be lower than you'd hoped for more than a few months, check out Income-Based Repayment. Your required payment in IBR can be as little as $0 when your income is very low. See tip 4 for more about IBR and other repayment options.

6. Stay out of Trouble! Ignoring your student loans has serious consequences that can last a lifetime. Not paying can lead to delinquency and default. For federal loans, default kicks in after nine months of non-payment. When you default, your total loan balance becomes due, your credit score is ruined, the total amount you owe increases dramatically, and the government can garnish your wages and seize your tax refunds if you default on a federal loan. For private loans, default can happen much more quickly and can put anyone who co-signed for your loan at risk as well. Talk to your lender right away if you're in danger of default. You can also find helpful information atstudentloanborrowerassistance.org.

7. Prepay If You Can: If you can afford to pay more than your required monthly payment - every time or now and then - you can lower the amount of interest you have to pay over the life of the loan. To pay down your loan more quickly, make sure to include a written request to your lender specifying that the extra amount be applied to your loan balance, and continue making payments each month. Otherwise, your prepayment may automatically be credited to a future payment and you may not be billed for the next month. 

8. Pay Off the Most Expensive Loans First: If you're considering paying off one or more of your loans ahead of schedule, start with the one that has the highest interest rate. If you have private loans in addition to federal loans, start with your private loans, since they almost always have higher interest rates and lack the flexible repayment options and other protections of federal loans.

9. To Consolidate or Not to Consolidate: A consolidation loan combines multiple loans into one for a single monthly payment and one fixed interest rate. If this is appealing, here are some pros and cons to consider. You canconsolidate your federal student loans through the Direct Loan program, and this calculator can help you figure out what your interest rate would be. For private consolidation loans, shop around carefully for a low or fixed interest rate if you can find one, and read all the fine print. Never consolidate federal loans into a private student loan, or you'll lose all the repayment options and borrower benefits - like unemployment deferments and loan forgiveness programs - that come with federal loans!

10. Loan Forgiveness: There are various programs that will forgive all or some of your federal student loans if you work in certain fields or for certain types of employers. Public Service Loan Forgiveness is a federal program that forgives any student debt remaining after 10 years of qualifying payments for people in government, nonprofit, and other public service jobs. Find out more at IBRinfo.org. There are other federal loan forgiveness options available for teachers, nurses, AmeriCorps and PeaceCorps volunteers, and other professions, as well as some state, school, and private programs (see some examples).

Your Options When You Can't Repay Student Loans

There are a few options for student loan repayment. But how can you go about getting your student loans cancelled, forgiven, or deferred when you can't pay them back?

It can be pretty scary when you are unable to pay back your student loans, and the consequences of defaulting on loans can be severe. You may start thinking about your credit score being ruined or having collection agencies start knocking on your door. However, don't panic, there may be some options available to you.

What is important is that you need to learn about the various options you have when it comes time to pay back your student loans. Default is something that you should try to avoid at all costs as it will not only damage your credit score, but it will also most likely increase the balance on your loans. Indeed, your loan holder may even get a court order that would allow them to take a portion of your paycheck or even grab your tax refund.

Student Loan Repay Options

There are several options that are available to you when you cannot make the payments on your student loans. These options include:

• Delaying payments on your loans through forbearance or deferment programs,
• Getting your loan canceled and eliminating all payments,
• Discharging your loan through bankruptcy proceedings,
• Getting on a income-sensitive or income-based repayment schedule, or
• Consolidating your loans into one loan.

Student Loan Deferments

In some situations, you may be able to obtain a deferment on your student loan payments. These deferments allow you to stop making payments for a certain period of time if you can show that you qualify. For instance, you may be able to get a deferment if you can show economic hardship, are returning to school, are unemployed, or looking for a job.

Depending on your type of loan, the deferment will not only allow you to stop making payments on the principal, but it will also stop interest from accruing on the unpaid balance. For other types of loans, you are only allowed to defer the principal of the loan, meaning that interest on your loan will continue to increase during the time you are not making payments. You will need to figure out what types of loans you have, as well as where you got them from, in order to see what kinds of deferments you are eligible for.

In most situations, you will be able to defer payments on your student loans if you meet one of the conditions that are described below (see the last section of this article titled "Conditions for Deferments on or Cancellations of Student Loans") and you are not currently in default on your loan. In some situations, you may even be able to qualify for a deferment even when you are in default this is called a retroactive deferment.

Like many things in life, deferments are never automatically put in place. In general, you must apply for a deferment. To do this, you should contact your loan holder and get the necessary paperwork. It can be a lot of work to get everything done correctly, but you should take the time and do it properly if a deferment will help you.

To get the necessary paperwork, you should contact your loan holder and talk to them about the various types of deferment that you think you may qualify for. Then, you should ask them to send you the right forms that you need to fill out. Doing this may help keep the loan holder from calling you about past due payments.

Student Loan Forbearances

If you are unable to qualify for a deferment, you may be able to postpone payments on your student loans by setting up a loan forbearance. A loan forbearance can generally be thought of as your loan holder allowing you to stop making payments for a set period of time. However, you should keep in mind that interest will continue to accrue during a forbearance so your loan balance will be higher when you come out of the forbearance. Generally, forbearances are easier to obtain than deferments because they are not linked to the type of student loans you have and they are not covered by the laws and rules that apply to deferments and cancellations of student loans.

Generally, you may be able to obtain a forbearance for a variety of reasons. For example, if you have suffered from poor health or unforeseen personal problems, you may be able to get a forbearance. Also, if you foresee that you will not be able to pay back your student loans within the period for repayment (generally 10 years), or your monthly payments are more than 20% of your income each month, you may be able to get a forbearance. Loan forbearances are generally granted for up to one year at a time and you may be able to get a forbearance even if you have defaulted on your student loans.

In order to apply for a forbearance, you should contact you loan holder and tell them about your inability to pay. You will probably have to fill out some forms, either online or via mail, to apply for a forbearance.

Bankruptcy and Student Loan Discharge

Another option that you have when you cannot pay back your student loans is to try to have your loans discharged through bankruptcy. However, this is very hard, indeed almost impossible, to accomplish under current law. Generally speaking, your student loans can only be discharged through bankruptcy if you can show that the burden of repaying your student loan would impose a severe hardship on you. This is quite a tough standard to meet. Courts generally consider a number of factors when you try to make this argument such as your age, health condition, income, expenses, and the length that your income problems are likely to persist.

In order to have the best chance of having your student loans discharged through bankruptcy, you will have to file a separate court action and you should probably also hire an attorney to help you make the most convincing argument possible.

Cancellation of Student Loans

Much like a loan deferment, there are only certain situations in which you may be able to have your student loans cancelled. Just like a deferment, you will have to show that you fall into a specific situation (see the last section of this article titled "Conditions for Deferments on or Cancellations of Student Loans") depending upon what types of loans you have. Also, cancellation does not always take care of an entire loan and you may only end up getting a portion of your loan cancelled.

The first step in the loan cancellation process is to contact the holder of your loan or the Department of Education's Debt Collection Services Office. You will be required to fill out a loan cancellation application and submit this form with any requisite documentation (like proof of a disability via a note from your doctor that describes your physical condition and how it impacts your ability to work).

Conditions for Deferments on or Cancellations of Student Loans

Here are the conditions that may allow you to defer or cancel your student loans. Keep in mind that some of the conditions may only qualify you for loan cancellation, others for both deferment and cancellation, and others for only deferment. Be sure to read carefully.

• The borrower has died. If the person that took out the student loan has died, the executor of the borrower's estate will most likely be able to cancel any student loans that the deceased had outstanding.
• The borrower is suffering from a permanent total disability. If you have suffered a personal injury that prevents you from working for an indefinite period of time or that will likely cause your death, you may be eligible to cancel any student loans you have. Generally speaking, to qualify for this cancellation, you cannot have had this permanent total disability before you applied for your student loan, or your situation must have deteriorated significantly since that time. In order to prove this, you will need to supply a letter from your doctor, most likely on a form that your loan holder will provide.
• The borrower is suffering from a temporary total disability. If you have a student loan that you took out before July 1, 1993, you may be able to defer loan payments for up to three years if you can show that you, your spouse or a dependant has suffered from a temporary total disability. If you are claiming you have the disability, you must be able to show that you are unable to attend school or a work a job for at least 60 days. If it is your spouse or dependant that suffered the disability, you must be able to show that the disabled person needs you to care for them for at least 3 months.
• The borrower is enrolled in a rehabilitation program for his or her disability. If you are currently enrolled in a rehabilitation program for a disability you suffered, you may be able to defer your loan payments for the length of the program and an additional six months after the program ends.
• The borrower is unemployed. If you are currently unemployed, but are looking for work, you may be able to defer your loan payments. In order to qualify for this deferment, you will need to prove your unemployment (for example, by stubs for unemployment benefits) and/or your search for a job (written documentation of job applications). In order to qualify, you must be looking for full-time employment, meaning at least 30 hours a week for a period that is at least three months long.
• Economic hardship. If you have a loan that was obtained after June 30, 1993, you may be able to defer payments for up to three years if you can prove that you are suffering from an economic hardship. If you receive public assistance (such as welfare or SSI), you are automatically entitled to this deferment. However, if you are not receiving public assistance, you must apply for an economic hardship deferment. This application will look into your wages and compare them to the federal minimum wage as well as the federal poverty level. You will need to provide proof of your income, most likely through pay stubs.
• The borrower is currently enrolled in school. If you return to school on at least a half-time basis, you will most likely be able to defer you payments until you leave school again.
• The borrower enters uniformed service. If you are currently serving the country in one of the uniformed services (U.S Military, National Oceanic and Atmospheric Corps or the Public Health Service), you may qualify to have your loans deferred or cancelled. You should talk to your commanding officer as well as your loan holder to see what you qualify for.
• The borrower is teaching a needy population. If you are currently a teacher that is teaching for a needy, low-income population, you may be able to have your student loans canceled or deferred.
• The borrower is serving a needy population. If you are currently serving a needy population, but not teaching them, you may also be able to qualify to have your loans deferred or cancelled.
• The borrower is performing community service. If you have student loans and are currently performing community service (such as serving in the peace corps or volunteering with local associations that assist low income families), you may be able to partially cancel your student loans or get a deferment.
• The borrower is working in the health-care field. Borrowers that are currently working in the health-care field (for example, nurses or doctors in residency) can sometimes have their loans canceled or deferred.
• The borrower is working in law enforcement. If you are working full time in the law enforcement field (police force and sheriff's office), you may be eligible to have some of your older Perkins loans cancelled.
• The borrower went to a trade school. If you were goaded into attending a trade school only to have the school close before you could obtain your degree, or if you were falsely told that taking out a student loan for trade school would benefit you, you may be eligible to have all of your student loans forgiven.
• The borrower was a victim of identity theft. If someone used your identity falsely to obtain a student loan, you will most likely be able to get the loan canceled.
• The borrower left school but never got a refund. If you were a student that took out a student loan but withdrew from the school before attending any classes, or only attended less than 60% of the class before withdrawing and never received a refund, you may be able to cancel your loan up to the amount that you should have received as a refund.

- See more at: http://bankruptcy.findlaw.com/debt-relief/your-options-when-you-can-t-repay-student-loans.html#sthash.sz10b0Gd.dpuf

The 5 fastest ways to repay your college loans

The 5 fastest ways to repay your college loans

Getting out from under college loan debt

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If there's one obstacle that prevents most millennials from investing either independently or with a financial adviser, it's the burden of college loans. These loans weigh down graduates, preventing them from seizing new financial opportunities until they clear their debt. In 2012, the Federal Reserve Bank of New York reported that the average outstanding student loan balance was $24,301, with 10 percent of borrowers owing more than $58,000.
So how can you get out from under that debt quickly? We spoke to investment managers and financial planners for their top tips to become free of that student loan. While they may be faster, some will definitely not be cheaper -- at least initially. But all are worthwhile in the end.

Treat the loan like a mortgage

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If you can afford it, treat the loan like a mortgage and simply make larger payments to reduce the principal more quickly, says financial planner Allan Katz, CFP, president of Comprehensive Wealth Management Group in New York's Staten Island.
For example, a $25,000 student loan with 6.8 percent interest with a 10-year payback period would cost $288 a month. Paying $700 a month instead of $288 enables the borrower to repay the loan in just over three years, Katz says.
By doing this, borrowers are "paying the principal down more quickly, which results in lower interest charges," he says. By paying extra, the entire loan would cost $28,000 rather than $34,560.
Another strategy is adding payments and sending in checks every two weeks rather than monthly.
Once that college loan is repaid, the benefits proliferate. "It's one less debt you owe. The money you make is now free to be invested and applied to owning a house, saving for retirement or putting a child through college," Katz says.

Create a 3- to 5-year plan

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Clayton Shearer, a Certified Financial Planner at Wellness Financial Services in Thornton, Colo., urges clients to create a three- to five-year plan to pare down college debt. Knowing exactly when the loan ends is comforting for many clients. Clients "have a goal in place, they're committed to it and they know exactly what to pay monthly," Shearer says. Paying it becomes part of their monthly routine comparable to submitting checks for mortgages, cable TV and telephone.
For example, two clients had $50,000 combined in college debt and were making around $100,000 a year jointly. To pay it off, they established a budget and curtailed spending. Their budget was helped by two sizable bonuses from work, resulting in their sending $800 per month for two years to cancel their college debt. Had they not prepaid, it would have taken about 15 years to pay off the loan. The result, Shearer says, is clients "get debt-free and have a load lifted off their shoulder."

Establish a college repayment fund

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If a graduate can save an additional $100, $200 or more a month and deposit it into an account via automatic savings, it can expedite repayment. Having money moved automatically is effective because it's forced savings, Katz says. It enables people to set aside money to grow what otherwise would be spent on TVs or iPhones, Katz says. Just make sure to set up an account that will be used only for paying back your college debt. Don't use checking or savings accounts you already have because you might use that money for something other than your loan.
When you create the account, you can tie it to mutual funds, saving accounts, annuities and stocks that offer dividend reinvestment plans. The most effective way to ensure that the money saved multiplies is to let the money grow until it accumulates into a lump sum and then transfer it a chunk at a time to pay off the loan balance. "How long somebody must save depends on the returns they get, as well as the amount they are investing and how much they owe," he says.
Of course, there's risk associated with savings in investments like mutual funds because the stock market is volatile and can falter. Typically over the span of a five-year or longer loan, stock market investments recover and grow, he says.

Start early with a part-time job in college

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Earning money while attending college is one way to be proactive about keeping college debt in check, says Charles Sachs, a principal at Private Wealth Counsel in Miami. He says it's a win-win because "getting a paid position while still in school generates some money that offsets loans and builds invaluable industry-specific knowledge."
If a student can manage to put away $1,000 a month, "that's $12,000 (a year) less in student loans and not having to take that money out in loans -- a big savings," Shearer says.
Working part time while attending college can also strengthen a student's ability, Shearer says. It develops discipline, provides real-world experience and earns income to lower future debt obligations, he adds.

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:
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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
http://www.vipleague.tv/sports/boxing.html
http://firstrowas.eu/sport/boxing-wwe-ufc.html
http://xn--frstrowsports-39b.eu/boxing
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http://streamhunter.tv/boxing
http://www.firstrowsports.cc/boxing-wwe-ufc.html#.VRcBQGiUfMg
http://world-livestreaming.eu/channel-7-live-stream/
http://sportlemon.org/boxing
http://p2p4u.tv/boxing
http://www.stopstream.me/11-.html
http://www.p2pfree.net/
http://cricfree.tv/sky-sports-1-live-stream
http://www.stream2utv.eu/
http://www.sportstream.tv/
cricfree.sx

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