A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan. The result is a single monthly payment instead of multiple payments. Loan consolidation can also give you access to additional loan repayment plans and forgiveness programs. A Direct Consolidation Loan has a fixed interest rate for the life of the loan. The fixed rate is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of one percent. There is no cap on the interest rate of a Direct Consolidation Loan. SoFi is an online loan company that offers student loan refinancing options, mortgages and personal loans. SoFi offers some of the lowest interest rates and the best consumer experience in the market. If you're hopelessly drowning in debt, know that you can't negotiate any lower interest rates with your credit card companies or creditors, or if the math works out, a debt consolidation loan may be a good decision for you. ... If it may be a good time to strike, pay it all off, and walk away debt-free. Instead, you will owe the debt consolidation company an amount equal to the total sum of all your debts. And you will pay a monthly payment to them, which will go toward paying the principal of the loan as well as interest and fees. If you can get a low interest rate, this may be a good option. An unsecured personal loan offering the chance to borrow up to £15,000 over five years, for example, is a popular alternative to a homeowner loan. Not only does this option avoid putting your home at risk, it may also come with even lower interest rates - if you can limit your borrowing to £15,000 and qualify for the market-leading deals. Consolidation can take anywhere from 30 to 90 days; in rare cases, it may take longer. The process involves the transmission and processing of payoff statements, called Loan Verification Certificates (LVCs), which can take time. If you have multiple federal student loans and want to simplify your payments, consolidating can be a smart strategy. One way to consolidate your debt is to apply for a federal Direct Consolidation Loan. ... Often, Direct Consolidation is required in order to enroll in federal programs such as income-based repayment. Consolidation is similar to refinancing a loan. You can consolidate all, just some, or even just one of your student loans. Consolidating federal student loans may be a good strategy to lower monthly payments or to get out of default, but it is not always a good idea. Consolidation is similar to refinancing a loan. You can consolidate all, just some, or even just one of your student loans. Consolidating federal student loans may be a good strategy to lower monthly payments or to get out of default, but it is not always a good idea. An annuity loan is a type of loan an annuity holder borrows money against the cash value of the annuity contract. This type of loan allows individuals to access their retirement funds without going through the hassle of cashing out the annuity. Withdrawing money from an annuity can be a costly move, so make sure you review your plan's rules and federal law before you do. Non-qualified annuities have been used to secure loans for years. The monetary value of a non-qualified annuity or life insurance product can be used as temporary collateral for a loan. When considering using a qualified annuity as collateral, however, make sure to consult your tax accountant. An annuity is a contract between you and an insurance company in which you make a lump sum payment or series of payments and in return obtain regular disbursements beginning either immediately or at some point in the future. The goal of annuities is to provide a steady stream of income during retirement. Typically, you face a 10% tax on any money you withdraw early. You also have to pay the ordinary income taxes, which were deferred to that point, on the withdrawn money. If you are buying or building your first home and borrowing from an annuity for the down payment, the IRS grants an exemption to the penalty tax. If the annuitant dies before the defined benefit is paid, some plans provide for the remaining benefits to be paid to a beneficiary. ... Upon death, all payments stop. However, another option is to have a joint life annuity that guarantees payment for both your lifetime and that of your beneficiary. The biggest advantages annuities offer is that they allow you to sock away a larger amount of cash and defer paying taxes. Unlike other tax-deferred retirement accounts such as 401(k)s and IRAs, there is no annual contribution limit for an annuity. Online Accounting Degree: Accountants are the number crunchers of the business world. They tally costs and expenditures, prepare tax documents and inspect financial records to ensure their clients are compliant with various laws, policies and ethical guidelines. Some accountants assist companies or organizations as part of a financial division, while others work independently. The profession can be divided into several distinct occupations. A large number of accountants work as certified public accountants, who typically operate their own businesses or work for accounting firms. CPAs must be licensed in the state where they work; requirements vary by location, but CPAs in all 50 states must pass the uniform exam administered by the American Institute of Certified Public Accountants. How long does it take to earn an accounting bachelor's degree online? How much does an online accounting bachelor's degree cost? Choosing an accredited online accounting degree. Online Accounting Bachelor's Degree Coursework. Accounting certifications. Professional Associations in Accounting. What can you do with an accounting degree? Accountants and auditors: Accountants perform a variety of services for organizations and individual clients, while auditors seek out errors and discrepancies in records. Management analysts: Management analysts develop strategies to help organizations optimize their workflow, productivity, efficiency and employee satisfaction. To implement impactful goals and policies, they must thoroughly research the organization's history and financial records; many analysts specialize in niche areas of business operations, such as accounting. Appraisers and assessors of real estate: Appraisers and assessors calculate the value of homes, public buildings and other properties. Their findings are used to sell property and adjust mortgage rates, as well as determine how that property is taxed, insured and/or developed. Appraisers who handle government transactions must be certified or licensed at the state level; assessors are required to become certified in some states, too. Budget analysts: Budget analysts handle financial record keeping for companies and organizations with relatively large budgets. Using their employer's budget proposals as a template, they work with different departments to reach benchmarks. The BLS reports that roughly 43 percent of budget analysts work for federal, state or local government agencies. Educational requirements for online instructor positions vary based on institutional guidelines and the subject being taught. In order to earn master's or doctoral degrees, students must first complete bachelor's degree programs at accredited universities. How can I get a teaching certificate without a teaching degree? How do you get a teaching degree? Can I get a teaching credential online? Can you get a masters in teaching without a bachelor's in teaching? People with an online master's in psychology can now be found in the most unexpected work environments. Psychologists now work in tandem with experts of all different industries. They work with athletes, business executives, advertisers, students, and more. We now rely on the expertise of psychologists to not only help us make crucial decisions, but to get us in the proper mindset to do so as well. The masters of science in general psychology requires students to complete 48 quarter credits in courses like lifespan development, psychology and personality, and social psychology. Walden allows students to transfer up to 24 credits. Graduates are prepared for careers as social service managers, market researchers, intervention advocates, and more. A business management bachelor's degree online is a convenient way for busy and working professionals to earn credentials that have been proven to be highly desirable by employers. With a management degree, graduates can move into entry-level careers in human resources, project management, small business, entrepreneurship, international business, and more. Alternatively, a bachelor of business management online degree can help professionals advance in their current careers or prepare them for advanced study in an MBA or related program. Earning an affordable online MBA is a great way to prepare yourself for a variety of roles within the broad scope of the business industry. This degree is applicable to every field, and thus a great investment for professionals looking into leadership and management positions. Positions within business operations management, medical and health management, technology-related positions, and financial management can all become more attainable once you have completed an MBA degree. George Mason brings its unique perspective from the Washington D.C. world stage to an online MBA program. Prepare to lead in the new era of business with a diverse skillset and global expertise you can immediately apply to a broad range of industries and in-demand leadership opportunities. An Online MBA allows professionals or busy adults to complete their degree on their own time, while still covering and participating in relevant courses such as business law, accounting, marketing, statistics, and ethics. Today's online MBA programs offer students flexibility in schedule, but also many opportunities to interact with their peers and professors. A few of the options available to online students are discussion boards, hybrid degree options, and even some live streamed classes. Earning a Master's of Business Administration is considered to be one of the business world's highest academic achievements. Many consider the Master of Business Administration (MBA) one of the most valuable degrees available to students and professionals today. In addition to serving as an advanced academic credential, the MBA gives graduates a wider range of career options and much greater earning potential. Graduates of MBA programs enjoy a higher level of job security, and the degree can help fast track already-working professionals into upper management positions in their fields. Read on to explore online MBA basics, see which colleges offer stand-out programs and discover which advanced degree option is the right fit for you. Identifying the best MBA program starts with assessing your own personal and professional needs. Family, cost, time, return on investment and current career path make up just a handful of things each future applicant should consider. Before taking first steps down the online MBA path, perform a little due diligence on available options, what they entail and the potential impact of their pros and cons. How do I franchise my business? The primary barrier to expansion that today's entrepreneur faces is lack of capital. And franchising allows companies to expand without the risk of debt or the cost of equity. ... Franchising allows entrepreneurs to overcome many of these problems by substituting a motivated franchisee for a unit manager. How much does it cost to set up the franchise? How do you start a franchise business? How much money do you make owning a franchise? Generally, it involves the owner of a business (known as the franchisor) licensing to a third party (known as the franchisee) the right to operate a business or distribute goods and/or services using the franchisor's business name and systems (which varies depending on the franchisor) for an agreed period of time. What is the best franchise to buy? What percentage does a franchise get? All the legal documents should do is describe the business and the terms you are offering to your franchisees. The process of basing your business strategy on legal questionnaires is simply insufficient for the design, development, long-term growth, management, and financial wellbeing of your franchise system. The term "Franchise Consultant" is now more commonly used to refer to someone who helps potential franchisees open a new franchise and who helps franchisors expand their business. They typically help people at both ends of the business. How much do franchise business consultants make?
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