Student Loan Consolidation

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When I started in college, I went about three years before I had st get a student loan. I had to be sure that the loan that I picked out would best fit my student profile. Since I was a junior, I was able to pull out more, yet I had to be sure that I was picking a reasonable amount. Believe me I was super tempted to take out the max & live care free the duration of my college year. I had a very good mentor friend who advised highly against this. They guided me step by step, what was needed & what I could do without. I remember thinking that I was going to still be a poor college student with no play money, sucks to be me. Now that I look back & on a paupers salary (I opted to being a public defender)

I am grateful that I didn't take out my heart's desire because with consolidation, I look at about $440.23 in loan payments. I was given my six month grace period & the first loan payment came due then the second place that I had to opt to use because that was what the school offered. I for about 16 months paid these two separate places, it was a total pain the rear! Well, one day talking to my friend about the different things that we talk about at lunch; she started complaining that it was becoming a hassle that to have two separate tickets for one education. I totally agreed with her, I seriously had been thinking that I was the only one that was thinking like her. It was completely frustrating to feel that it was going to take forever to pay these loans off. I mean hello, 10 yrs is a long time to pay out a loan even if it is a low interest rate.

That night, I went on a quest to go find out if there was a solution to this madness. You guessed it, I found my solution! I went online and I typed in different search phrases,
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I was actually given this list of search variations by a friend of mine who is a genius when it comes to business ads & whatnot. he can find me anything. I was able to narrow my search down to the top three places to really look at when consolidating. You want to look at the percentages, you also want to look at the terms & the final thing that I personally believe is the most important is the reputation of the consolidation agency. The three places that I scoured before making my decision were:

• HelpLoans - These are more geared towards alternative loan consolidations. I called them & was connected pretty quickly yet the lady seemed more interested in talking really fast to get her point across regarding the company. Wasn't much room for me to get my questions in, I was in fact referred to a FAQ board that was supposed to give me all the answers -B for good rates, seemed a bit on the pushy side

• Scholarpoint - still have yet to hear back from them, and they were contacted 3 days ago.

• Studentloansolutions - I liked this one because they consolidate & the rates are awesome. Customer service is very relaxed. I give this place an A. Go talk to Gary, he is freaking hilarious!

I wish everyone luck in the Real World. Be wise & be merry!

Alison G
The madness continues

Driving Drunk in Austin

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I have this friend, we'll call him Wilbert Simpson. He just called me about an hour ago, we are pretty good friends yet he just made a terrible mistake. He was driving drunk in Austin, Texas. Can we say stupid? Well I can because we are friends & we have that repoire. We also work for a law enforcement agency together. I feel incredibly bad for him because his life is about to go south on him. What I find unfortunate about this situation is that he has 4 little munchkins at home, a beautiful wife and an awesome home. He's been in law enforcement for 16 years. I can only imagine the next few weeks to come as we all ask him what the hell is he going to do? One of the guys has suggested that he get a damned good lawyer. That's some good advice yet it gets worse. Wilbert, knocked the rookie cop's front teeth in, because well like we all can be at times; was being belligerent.

The rookie cop is debating whether he wants to press charges or not. I think he may feel a bit bad for the old man as well. His superior is going to beg him to make this cop a lesson be learned because unfortunately this guy has been supposedly getting away with things that "normal" officers of the law get. That's a matter of debate, right?

I personally suggested also getting a good lawyer who is tough in trial cases because if he has any chance of saving anything in his life right now. There was recommendations of trying to settle this quietly & that was thrown out because like I said, this guy's future is at sake here, his financial foundation could very well also be at sake too.

The good, solid and often reiterated list to picking a good lawyer.

• Don't pick the first name you see, a lawyer needs to be someone you can count on & not just a dollar sign.
• Pick a specific category, so if in trouble for embezzling or theft, pick a lawyer who has dealt with these topics.
• Be sure to research the lawyer that you have representing you, is he good in court, does he follow up, what's his track record.
• When they ask for their payment, know what you are paying for & be sure it can be accounted for.
• The more exposure, normally the better.
• If you can afford it, find the best

Good, accreditated lawyers are the best simply because they are professional, firm & cut no corners when it comes to your well being. They are being paid to represent you. Be sure to utilize them for everything you are paying for. I personally think lawyers come from all seeds, just wading through the pool of them can be overwhelming yet follow your gut.

To my good friend, good luck in your future case & to the various people out there who needs legal representation. I urge you to make the best decisions & research. No matter how much trouble is at hand, the best decision is to just take it day by day.

Have a good day,

Alison

ADULT ADHD treatment & how to overcome

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What do you do when you think you have ADHD & you are an adult, they say that the majority of adults diagnosed have been bounced by their children.

"If you look at ADHD in treated and untreated populations, the risk of substance abuse, serious accidents, work problems, and family problems is much, much higher in nontreated people," says Lenard Adler, MD, director of the Combined Departments of Psychiatry and Neurology Adult ADHD Program at New York University School of Medicine. (this was taken out of Medicenenet.com) I really agree with that statement,

I will tell you from my personal experience that I have ADHD as an adult, it was mainly stemmed because I didn't receive the proper treatment as a teenager for my PTSD. Some say that if you have had depression or other like prognosis, that it becomes more severe as an adult. I am a walking legend of this, if anyone suffers from ADHD, it's because you were depressed as a child & more than likely it was repressed by others around you being angry on how you were reacting or not acting. When it gets to the point where you are being self destructive with your life, you aren't able to see it when it's there but hopefully within time, life & medicene will advance and you'll be able to take on new challenges.

I personally never saw what was happening to me, because I was in the turmoil. I thought I had it together then one day, I just completely went another direction. I often blamed others for what I saw as failures yet never really looked within myself, why I really couldn't stand to be around people when before I loved being around people. I was constantly irritable, I divulged myself into drinking alot, doing things that were completely unsafe and my financial situation went to the crapper in a blink of an eye. I finally hit bottom and I'll tell you I didn't think there was any hope for me then. I was in bad relationships that I knew needed to end yet I was too codependant & was too scared to be alone.

When you have hit ground zero, you don't think there is any hope for you, I know because I have been there. I am no one to get excited about because there are probably a couple million people who have also gotten out of the slump. They'll agree that it wasn't easy & there were many consequences to fae & endure. I remember thinking when I started seeing things not going the right way that this was the sign that I wasn't supposed to keep going yet I did because there was something in me that was saying, come on, you can do this. No, it wasn't Rob Schneider :) The path is tough yet the treatment is very simple.

It has to be in you, no pill, no magic juice, no talk show self help guru is going to get you to do what you need to do. You have the power to create your own path, It has to be within you. I remember asking myself, "AM I READY TO MAKE A CHANGE?" I eventually went to the doctor & they put me on a regiment of a structured diet, exercise & personal time plan. I am not one to take medicene, I figure I am already imbalanced, why risk imbalancing my life anymore? I hope that if you are having a hard time coping, seek within yourself & others. Believe me you will be surprised who comes out for you in time of need.

In good health,
Alison

"ADULT ADHD TREATMENT" "ORGANIC KEYWORD SEARCHES" "REMEDIES FOR ADULT ADHD"

What is your Niche?

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You have been searching the internet high & low, yet there is nothing that you can find that will solve your problems. None of the books you have bought are working and you are getting really frustrated. I completely understand & there is hope for you. I promise. I know alot of "Online Gurus" promise you the sun, moon and sometimes the earth but it seems like it never works for god's sakes! I seriously have been there, when I first started this little project of mine. I came across Ewealth as well as Wealthy Affiliate forum & they had lots of great information for me & to be honest it helped. I was able to see the many programs out there, what worked & what was considered a scam. There was one program that intrigued me & it was being pushed by a reputable member of the group. A tip: When looking for a reputable program, be sure to look for a few things:

1. How long have they been a member?
2. When they are talking in open forums, are they contributing to the conversation?
3. Do they seem sincere that they want to help others?

Brad Callen has been in marketing for quite sometime. He has came out with some of the best software known to an Internet Marketer. He isn't a fly by night operation. The program that I signed up for & have been pretty successful with is Keyword Elite. An amazing product for me & marketing my business online. Don't expect to be making money overnight because that isn't how it works. He takes you through the steps as I am taking the time to tell you right now. Any niche or product that you are looking for will have keywords within them. He shows you what keywords will be the most beneficial to your campaign & how to stay on top of your compeititors. The cost is a bit hefty ($176.00), but if you are a serious marketer & you plan to put this product to the pavement.

He also shows you how to enhance your Adsense earnings. This product is ranked highly by other reputable marketers online, a good amount of webmasters that use this product to enhance their own business online. The best thing about this product is that it is offered with a 100% money back policy if you aren't seeing any difference. No questions asked. That's what I liked, I had been researching other products such as Keyword X-ray, a product associated with Rich Jerk. Now I am not against the guy but some of his practices & ways he has done things, don't particularily excite me or want to associate with anything of his. His demeanor may work with some people but not me. He also manipulates his money back policy. You can get your money but you have to do XYZ before you can have your money back. Sad to say, but people rarely will ask for their money back just because of that one issue. I don't want that for you.

Which is why I suggested Keyword Elite, a sensible program that will enable you to get ranked, beat out your compeitition and make some residual income from this avenue.

Just my disclaimer here, I am making money with this product because I have a niche that is converting for me greatly. I do NOT suggest buying this program if you are an affiliate & you are going to promote money making ideas because in all honesty, it's been done. I would however suggest if you are an affiliate signing up to become an affiliate yourself & have the audience to market to.

Good luck,

Alison

Depression...Preschoolers....Prozac...My Dog

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Did you know that Pre-schoolers are the fastest growing market for anti depressants, I was completely shocked at some of the statistics I was reading while trying to find prozac for my dog, yes my dog has been having issues. She has decided that chewing on the wall is beneficial. I swear I think I am going to drive up to what was left of my house one day & find that I no longer have a house to live in! She is super neurotic as well, jumps incessantly until you pick her up & you have to hold her for HOURS. You probably think I am kidding huh? I guess the benefit is that she isn't a massive dog where if they jump over, down you go.


I have been trying to find remedies that will allow to calm down. I even brought a look like Dog Whisperer around because I couldn't figure why when I told her a command, she had this look like "I will survive against the human" I love the little bugger but sheesh, give me a break, I treat her like she's my one & only. I still house crate her due to the fact that I still want my house to be intact in the morning. A couple weeks ago, I started e

• I took her everywhere I went, I mean literally. I thought maybe if she went everywhere, maybe she would start adjusting to the different scenarios. RESULT: $225.00 fine for my neighborhood, I put her outside for a few minutes, in that time, dug herself a hole and was raising havoc, causing old lady Helmer to lose her teeth & glasses. The city ruled in her favor.
• I started being stricter, issuing time outs in her time out area, another crate that I bought for this project. Not giving her treats when she misbehaved. RESULT: I had to replace the wall where she basically licked it to death, no seriously nice gaping hole. I went to go & release her from time out, her whole nose was covered in white, looked like she's gotten into someone's coke stash..

I finally took her to the vet to see what the heck there was to do, see I don't believe in anti depressants. I think they can mess up with your chemical balances but then I have many people who tell me that it'll fix the imbalance. That's a debate for another day. I guess they have been prescribing Prozac to diagnosed neurotic dogs, yet I am not so sure if it will help them in the long run. I want my dog to live a long & natural life. I guess they need to do more research before I commit myself to giving my dog an additional cocktails before bed.

My advice until they get this completely straightened is really research it and get several opinions!

To our neurotic dogs!

I kind of wonder if Animal Depression is based off observing us humans?

Building your credit responsibly

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So back when I was in college, I had a helluva time trying to manage my course load without having my books. I remember so many times busting my a** working at the local grocery store, trying to ensure I had enough money for my books.

I wasn't one of the lucky one where mom & dad paid my way through school. I worked two jobs, one that was purely my hobby & the other was my day job. Now this isn't a post trying to bash anyone who has had the fortunate bliss of the parental units free education policy.

I have to say though that I have had the pure bliss in my later years to have an amazing credit score! I'll tell you my secret, if you promise to follow my guidelines down to a T....

Learn my secret here..

I got my first credit card at 17 and trust me when I say this that it was a temptation to the higher heavens, which is why I want you to follow me when I say this.

Teach yourself discipline, and always think to the future because that's where the cream of the crop is. Also be sure to do your homework, yes that dreaded word..but I promise you it'll pay off!

The secret to my good credit

So, 17 obviously came & went..Wanting to know how old I am, I might tell you someday if you are lucky. I eventually completed my schooling, made some friends, new & old. I guess about a year ago, I was ready to settle down & start on a different track.

I was able to buy my first home at 25 and lock in an interest rate that was awesome & very good for a newcomber so to speak..

All because I picked the best credit card for my situation & I had little to no credit. the biggest debate is whether credit matters or not now a days, I am a big believer that credit is everything because it is what advances you to the American Dream

Which include stuff like this... a house at a great interest rate, a vehicle to get you to & from work and less time paying stuff off..

Good Luck!

Alison