How to prepare for the GMAT exam effectively

Whether you’re in college, preparing for the GMAT testing or you graduated 20 years ago, there are quite a few study tips that you can apply to everyday life. After all, it’s still just time management and a lot of the basic rules apply. Unfortunately, once people finish school, many of them put those stellar time management skills on the back burner. It’s true that if you don’t use it, you lose it, and that can make your life more hectic than it needs to be.

There’s no magic date that you’re a grown-up, and time management skills aren’t innate for most people. Just like getting ready for that big test, succeeding at life requires you to make an effort. Happy hours, movies and responsibilities (like kids) might be calling. Here’s how you can tap back into your Dean’s list side. These tips were shared with us by Coven Celleb from the MyCareerTools.com, a website that provides information for students about online MBA courses and tips on learning fast and effectively.
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Scholarships and Grants For Hispanics

When they are trying to find an excellent college education, a good number of students discover that they will be needing financial assistance, and very often students find out that they do not qualify for certain academic programs. On the other hand, financial support for minority groups (and especially Hispanics)  has grown to become abundant over the recent years. Fortunately, we can find quite a few companies and private organizations that realize what must be done for minorities to successfully get hold of scholarships and grants.

A large number of organizations and businesses present grants and scholarships for a number of different reasons. Many businesses are willing to invest in students in hopes to at some point have the student as their employee. Numerous high-tech companies provide grants and scholarships for Hispanic students and expect these students to become the finest workers in their specific fields of industry.

Then there are businesses and organizations that give grants and scholarships for Hispanic students to encourage diversity all through the country. But whatever the objective or reason, you now can find thousands of Hispanic scholarships available. Let’s take a look at some requirements.

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Hispanics Scholarship Fund

It cannot be denied that today students of Hispanic and Latino heritage can get a huge number of scholarships in numerous educational fields. This enables them to accomplish their academic education without going through serious hiccups. Actually, you can find a large number of organizations that grant millions of dollars to qualified Hispanic students every year. We can see that the Hispanic population really does not lag behind other population groups. it’s a well-known fact that with students of Hispanic and Latino heritage drop out from high school.

One of the most renowned associations that provide scholarship grants to valuable Hispanic and Latino candidates is the Hispanic Association of Colleges and Universities (HACU). This association was established in 1986 and the HACU honors lucrative scholarship grants to qualifying college students. The association represents almost 450 educational institutions dedicated towards the enhancement of the Hispanic/Latino population.

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MBA Student Loans and Loan Calculator

Do you need to apply for MBA Graduate Student Loans? After receiving a college degree in business, many students choose to continue their business education to receive the MBA. Yet, some students that have already received financial assistance through either one of the Federal Stafford Loans or private student loans, find it difficult to continue on with their education since due to the high costs of Graduate school, and lack of adequate funding.

Interested in applying for MBA Graduate Student Loans?
The difference of the overall lifetime earning potential between those holding a bachelor’s degree and a masters degree is over $400,000. To consider how much even the top universities cost for their Master program, going on to pursue an MBA is almost guaranteed to pay off big dividends in the long run.

Below, are some of the other types of Graduate Students Loans that are available:

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Student Loan Without Cosigner

Student loans with no cosigner are an integral part of the Department of Education’s $115 billion dollar college loan program budget in the year 2013. Prospective college students eager to start their foray into the real world exhibit an unmistakable disadvantage when seeking money for school; the disadvantage being little or no creditworthiness through previous borrowing history. Given the young age of many college students, this proves reasonable overall, however, finding loans for school can be difficult.

Many students find themselves unable to cover the costs associated with their post-secondary education through the FFELP and the FDSLP for several notable reasons.
Important factors when expecting government financial aid to fund college expenses include:
• Government loan programs limit maximum borrowing amounts
• Government loan programs operate on a need-basis
• Government loan eligibility includes parent and student assets and income
• Government loan programs have specific application deadlines annually
• Government loans from the FFELP could require cosigners for beneficial interest rates

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The Beer Rocket Launcher

Usually, this website deals with serious issues like grants and ways to finance your student life, but we’re getting close to the holidays, so for your viewing pleasure today, we bring you a stupid invention, just in time for your holiday gatherings:

The Beer Rocket Launcher:

As you can see, this handy dandy invention straps to your back, and just perfectly accommodates this lovely cocktail dress with 6″ high heels. Manufactured by a German company called Rocket Packs they also offer a wide array of other stupid beer inventions. The disappointing part? It is not really a rocket launcher, so no, you cannot fly across the English Channel like Jet Man.

Special thanks to Chris for finding this and sending it to me. He’s got a pretty funny website you should all check out and visit at The Shark Guys.

What do you think? Can you see yourself wearing this?

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A Physician Assistant Degree Can Bring a World of Opportunities

A physician assistant is a health care professional that usually works under the supervision of a physician or a doctor. To become a physician assistant, you will have to be licensed by the state you live in. Physician’s assistant could also go on to have their own health care facilities but this largely depends on the laws of that particular state.

To get a physician’s assistant degree, you will have to complete a course pertaining to biological sciences. These include both biology and chemistry-related programs. If you have been studying a non-related subject at universities, some colleges may still admit you if you have at least two years of coursework under your belt. This will extend the pursuit of your degree to a total of four years. Usually, the length of time that it takes to get your physician’s assistant degree is two years.

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Co-Signer & No Co-Signer Loans

A co-signer is a second party who guarantees to repay the loan and usually becomes involved when the primary borrower has no or a poor credit history. Students often have few or no credit cards, no car loans and very rarely a home mortgage loan. As a result, they have little or no credit history at all. And, as is the case with many of us in our youth, they may have made some unwise choices.

They may have gone beyond what they could repay on a credit card and even been irresponsible about making payments. That lack of credit history or, worse, actual late payments or defaults can easily put a potential borrower into the high-risk category. Loan officers, even in Federal student loans programs, will often look at that with a cautious eye.

Loan applications may be denied, or in borderline cases, a higher interest rate is charged to offset the risk and compensate for higher default rates. To counteract that lack of credit history or poor record, borrowers can and usually should obtain a co-signer. In the average case that will be one or both parents.

Loan officers will look then at the parent’s FICO score, outstanding debt to income ratio, repayment history and other standard factors in deciding whether to grant the loan. At the same time, the credit quality of the parents becomes the primary factor for deciding the interest rate assigned.

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Managing Medical School Debt

Most people will find that their mortgage is the largest and most difficult debt they incur throughout their lifetime. However, those in medical school find that funding their education is the largest debt that they will have to overcome. More often than not, a loan to fund a medical education is equal to the size of a home mortgage.

Consolidating medical school loans can definitely help a medical student or new graduate to manage their debt. A student loan consolidation program specifically designed for medical students will help them pay off their loans with one monthly payment instead of many different ones. This type of loan will also often involve much lower payments that they would ordinarily make.

When you consolidate a student loan for medical school, you will most likely have to increase the terms of the loan. Generally, the terms of consolidated student loans depend on the total amount of debt incurred. Since medical school involves much larger debts than standard four-year courses, you would need much more time to pay it off. A consolidated student loan for medical school could last for as long as thirty years.

This allows fresh graduates of medical school to pay lower monthly payments during the course of the loan. Of course, along with longer repayment terms comes higher interest rates so the best decision for you would really depend on your capability to pay.

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Student Loans For Students With Bad Credit

So, you’re ready to go to college. It’s an exciting time, until you realize just how much it’s going to cost. If your parents prove unable or unprepared to pay for your college education, you will be left to do it yourself. Moreover, no matter how you look at it, your student loan is just like any other loan for a car, a mortgage, or any other major purchase.

Even though you can wait to begin paying it back after you’ve graduated, it will still be there waiting for you. Student loans will never go away until repaid, and you cannot discharge the items through bankruptcy either. If you are like most beginning college students, you fall into the category of seeking student loans for students with bad credit, mostly because young college students have already obtained credit cards and may have hurt their credit by misusing the privilege or simply do not have any credit records in your name. If this describes you, you are not alone and there is a solution.

Two types of student loans for students with bad credit exist: federal student loans and private student loans. To boil these loans down to their basic parts, federal student loans are guaranteed by the federal government. Federal student loans impose limits on how much you can borrow. Private student loans, on the other hand, are generally offered by banks or other financial institutions, and when it comes to student loans for students with bad credit prove even more difficult to obtain due to stringent credit inspections.

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