Category Archives: Education

Private Educational Loan Consolidation

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When students set out for an education, they are not normally prepared of what they will encounter once they finish school. Most have to start working at an entry-level salary and still have to pay their student loans. This money is usually quite large for an entry level to manage easily. Most of the lenders will start demanding for the repayment 6 months after the completion of post secondary school.

Depending on the amount you have to pay, it means you could have to spend between 10 to 15 years. This is a large burden and it could lead to other financial problems. You need ways to manage this debt and be able to repay the loan with ease and convenience. One such method that you can be able to do this is through the private educational loan consolidation.

A private education loan consolidation means combining your outstanding balance into one loan. The private educational loan is the amount that you borrowed to cover tuition, medical, housing and other educational expenses during the course of your education. The reason why many people choose to consolidate their educational loan is to lower the charges for interest rates. This is achieved by lengthening the payment period for the loans. This system allows you to lower the interest rate even though your loan is from different lenders.

To be eligible to apply for the consolidation loan in most of the service providers you have to be at least 21 years old. You can get hold of an application from the internet or through the phone. You will be able to get instant credit decision, fees and interest rate for your loan. After you have finished the application, you will need to submit it for review. It normally takes between 6 to 8 weeks to complete the consolidation process. You will need to continue making your current repayments for your loan until you receive confirmation of your consolidation terms. You will receive your new repayment plan through your mail.

One of the benefits for the private educational loan consolidation is that you are provided with an amount that is of low interest rate. This is an easy pay single loan, which you can pay conveniently each monthly. It is much better than having to pay several loans each month.

The private educational loan consolidation plan offered by most companies is up to a 30-year-old plan. The repayment begins approximately 30 days after the funded period. It is a convenient and great way to reduce your loan monthly payments. If you are facing monetary difficulties, you may request deferment of payments to up to 2 years.

In case you were to resume school whether full time or part time, the loan repayment will automatically go into deferment until you finish school once more. Once you decide that you need a private educational loan consolidation, make sure that you know what you are getting yourself into. Be sure to do the appropriate preparation work in order to make the most out of consolidating your loans

Golf Course Types by Ownership

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One of the things that a newcomer to the World of golf would probably like to know is what the difference is between different types of golf course. This question is more complicated than you may first imagine as there are really three different ways to express what category a particular golf course fits into.

The first is by setting and categories a course by whether it is set in heathland, woodland or by the ocean etc. The second type is by length, where the course is categorized essentially by the length of time it takes to play a round, so these types will be pitch & putt, full length or executive, so called because executives may not have time to play a round on a full length course of 18 holes. Most executive courses are only 9 holes.

In this article though we are going to look at how golf courses can be categorized by ownership. The above two types of categorization allow you to know what to expect when you turn up to play. However, this third type of categorization determines whether or not you will be allowed access to the course at all.

The following is not an exhaustive list of course types but these are the most popular types of course that you might come across.

Private Golf Courses are courses which are owned by a golf club and they only allow play by members of the club. If you aren’t a member of the club then you can’t play, unless of course you are lucky enough to be invited to play by someone who is already a member.

Public Golf Courses can be courses owned by private organizations or individuals or by other organizations such as local businesses. The key here is that the owner charges a fee for playing. Essentially this means that the course is open to be played by anyone who can afford to pay the fee.

Courses also exist which are essentially a combination of the above two. Club members can play at any time. The public are allowed to play but usually only on specific days of the week, or times of day.

Municipal golf course are owned by the local government. They operate like public golf courses but the money paid for the green fees goes to the them as opposed to a private individual or company.

Some residential areas have their own golf course which is designed to be played by the local residents only. They tend to be run by the community itself and as such are not open to the public.

Finally there is the resort golf course. Resort golf courses are owned and operated by a holiday resort or a hotel chain for the pleasure of their guests. Play may not be restricted to resort guests however, and so you may find some resort courses are open to the public in return for a fee.