Typically, students take out
multiple federal Stafford loans, and consolidating means you bunch them altogether into one loan that you repay over 10 or more years. Consolidating loans is a simple process that you can do online through the federal student aid site. To ensure you don't leave federal loans out of the process, use the National Student Loan Data System (
) to identify every loan you have.
BE sure you ask for a payment plan that will reduce your payment to fit your income. This is called income-based repayment. Borrowers will no longer be
considered in default once the loans have been consolidated. If you have already consolidated your loans and Defaulted, you are probably going to hve to follow another option. You will have to go through a process called rehabitatation.
You do this by contacting the servicer, the entity you probably see with an 800 number on your student loan bills. With paperwork in hand, you ask the servicer
to put you into the official rehabilitation process with payments based on your income. Depending on your income, payments during rehabilitation can be as little as $5 per month.
Make sure you get assigned payments you can afford, because if you start missing payments again without asking for a deferment, you WON'T GET A SECOND CHANCE at Rehabilitation. The government can demand FULL Payment at once, said student loan expert Mark Kantrowitz of Cappex.com.
Private loans: There is No Sympathetic Uncle Sam to help you out of your troubles with private loans. Lenders cannot garnish your pay; doesn't mean you are off the hook. In default, a lender is likely ato sue you to recover money. Be aware that each state has a statute of limitations on how long a lender can sue and recover what is owed. A person could accidentally start the clock back up again and inadevertently open the door to be sued simply answering a bill collector's call
and acknowledging a loan.
Houston Chronicle// Chicago Tribune 7-12-2017 byline: Gail Marksjarvis
Beat The Heat: Steps for a Safe Summer.
The City of Houston, the Houston Fire Dept., Reliant Energy and others are pro-
-viding Safety Tips on how to stay cool, Cooling facilities and Assistance with
high utility bills. Those working or exercising outside may become overheated,
which can create serious health problems, or even death. If you work outside,
stay hydrated and take breaks in the shade.
If your abode is not
air-conditioned, go to a cooling center; drink plenty of water
regularly, even if you do not feel thirsty; avoid caffeine and alcohol; and wear loose, lightweight, light-colored clothing and a hat.
Light colors reflect
heat and sunlight; help your body maintain normal temps.
Check on seniors, children, and those who are ill because they are vulnerable to ex-
-cessive heat; and ensure that your pets are provided with shade and adequate water.
One of the most important
tips is to: 'Look Before You Lock.
' so children or pets
will Not be left in vehicles. Even on mild days, or even if the window is 'cracked'
the inside of a vehicle can reach nearly 120 degrees. Heat stroke/death is a real
possibility if left in a hot vehicle. !
Houston Fire Dept.
recommends parents and caregivers place your purse, phone,
computer or wallet in the back seat as a reminder that a person or pet is in the car.
Anyone seeing an unattended child or pet: call 911 and stay until help arrives !
Heat exhaustion signs: profuse sweating, paleness, muscle cramps, weakness,
dizziness, headache, nausea or vomiting, weak, rapid pulse and fainting, skin
may be cool and moist…heat exhaustion may progress to heat stroke.
Houston City Multi-Service Center (MSC) locations: open 8a.-6 p. Mon-Friday.
Acres Homes: 832-393-4145, 6719 W. Montgomery Rd.
Denver Harbor: 713-670-2100, 6402 Market Street
Magnolia: 832-395-3380, 7037 Capitol Street
Northeast: 832-395-0740, 9720 Spaulding Street
Sunnyside: 832-395-0069, 9314 Cullen Blvd.
For other area cooling centers, call 311.
Utility Bill Assistance:
those seeking assistance with higher-than-normal utility
bills during the summer are asked to call 311 for a list of agencies. Another source
for utility bill assistance is Catholic Charities, 713-526-4611. It provides help to
all people regardless of faith. Northwest Assistance Ministries, 281-583-5600,
and West Houston Assistance Ministries, 713-977-9942 are also available.
Reliant Energy customer service agents are available to help residents identify
social services agencies that can aid with electricity bills: 1-866-RELIANT.
Houston Chronicle 7-13-2017 byline: Rebecca Maitland
Snorting Chocolate ?
A snortable chocolate powder developed by an Orlando resident is drawing fire
from a top lawmaker in Washington, D.C. Orlando-based Legal Lean is selling a
powdered chocolate meant to be snorted under the name of Coco Loco. It is for
sale on Legal Lean's website, as well as Amazon, where a 1.25 oz. container costs
$24.99. (never mind…)
U.S. Senate Minority Leader Chuck Schumer, D-N.Y. sent a letter to the U.S. FDA
this week calling for an investigation into Coco Loko. The suspect product has no
clear health value. It is falsely held up to be chocolate, when it is a powerful sti-
-mulant, marketed like a drug. Normalizing stimulants and drug consumption-like
behavior is anything but harmless for our young people, Schumer said.
At least one Orlando-
area doctor said snorting cocoa powder may cause harm.
You are not meant to have anything up your nose. The nose's sensitivity and
absorption ability are the reasons why it's a popular delivery path for cocaine
and other drugs. Powdered substances can be harmful if they reach the lungs.
Houston Chronicle//Orlando Sentinel 7-14-2017 byline: Kyle Arnold
The Ick Factor: Slimy Eel Spill.
A truck hauling eels overturned on an Oregon highway, turning the coastal high-
-way 101 into a slimy mess. Damaged cars were covered by the gooey eels; the
highway had to be cleared by a bulldozer.
Truck driver Salvatore Tragale was driving with 13 containers of hagfish-commonly known as slime eels (people actually eat those things? ICK !). As truck driver Tragale approached road construction and tried to stop, one container flew off the truck bed and into the southbound lane, while the other containers spilled onto the highway.
(What a revolting development ! What was used to clean the slime off the vehicles ?) Houston Chronicle Wire Reports 7-14-2017
Crying In The Chapel ? Not Necessarily.
Las Vegas, the self-proclaimed capitol of 'I Do', where thousands of weddings
are presided over by Roland August, dressed as Elvis Presley. Nevada's marriage
rate has plummeted in recent decades, as the nation's economic life since the 70s
have helped make marriage an institution; increasingly reserved for the well-edu-
-cated and more affluent.
The wedding chapels have seen business dwindle, an industry that generates as
much as $3 Billion in economic activity annually. The data show that life has prioritized things differently. Marriage has become a clear dividing line in a stra-
-tified country. Its decline is most pronounced among those who didn't go beyond
high school, as better educated people tend to marry each other.
Half of Americans
older than 18 were married in 2014, down from 72% in 1960,
according to the Pew Research Center. The shift is more pronounced for the less
educated, which is a loose proxy for income. As of 2014, almost 75% of women
with bachelor's degrees were married by their early 40s, versus less than 60% of
women with only a high-school diploma, according to the Brookings Institution.
Economic changes disrupted the traditional sequence of mating and marrying,
helped by social mores. In U.S. regions where fracking sharply increased in recent
years, wages for working -class men shot up, as did births. Marriage did not.
Still, not all the news is bad..fewer marriages make for fewer divorces. Non-marital births are declining.
U.S. marriage rate
remains higher than that of many developed nations-including
France, Spain and Italy-yet the American drop-off has come with especially tough economic effects. The Silver State (Nevada) has felt America's changing
trends acutely, because it hosts more weddings than any other and has historically
taken a permissive stance on divorce and (re)marriage.
Oscar Goodman, former mayor of Las Vegas, can even see a 'silver lining'. More
single people may be willing to spend money on entertainment at casinos and other
attractions. Nobody should cry for Las Vegas
. (Don't Cry For Me, Argentina….)
Houston Chronicle//Bloomberg News 7-16-2017 byline: Jeanna Smialek
The manufacturers of bone china use finely milled cow bones from slaughter-
-houses or rendering plants. The best china generally will have between 30 and
50% bone ash. This is mixed with the various clays used to make the china, be-
-cause bone ash helps to prevent the porcelain from developing cracks; and to
strengthen the dinnerware. Bone china actually is very strong. (Who knew ?)
Houston Chronicle Heloise Hints 7-21-2017
Until God Opens the Next Door for You-Praise Him in the Hallway.
How Should We Pray ?
Pray as you go, wherever you go. P. R.A.Y.
P: Praise-Thank Him for who He is, what He's done, and what He's promised
R: Repent-Admit the ways you have sinned against Him and commit to change.
A: Ask-Ask for His help, wisdom, and action in your life and the lives of others.
Y: Yield-Express your trust in Him and surrender to His plan for your life.
The Good News 11-2015
There are two excellent theories for arguing with a woman.
Neither one of them works. Just so you know.
May Your Troubles be Less, May Your Blessings be More..
May Nothing but Happiness Come Through Your Door. Billy Graham
It is never too late to learn how to have fun on the dance floor.
Thank you for tuning in to the Entertainment News and thanks for referring your friends to
We appreciate your input. Let us know if you have comments, compliments or otherwise. Be Sweet Now.
Best Regards to you and yours.
Betty & Ed