Jumat, 13 Juli 2012

Michigan Educational Credit Union [creditdiagnosis]

Michigan Educational Credit Union [creditdiagnosis]

Question by : what does credit hour means in usa education system? I am from Sudan I want to study in community college in USA. I cant understand what does credit hour mean I always wanted to know what are the annual costs of the college and they never say what are the costs per year they always say per credit hour I CANT UNDERSTAND. If it is 50 per credit hour for example what does it costs per year Best answer for what does credit hour means in usa education system?:

Answer by tcbaby1191
credit hours are what you get when you complete a course. you usually need 16 credit hours to be a sophemore, 32 to be a junior and 50 to be a senior. 50 credit hours is what youll need to finish your course. youll end with 50 credit hours. the cost fer any american college is usually around 7000 a semester but there are scholarships and loans are there 3 semesters a year = $ 21,000 american dollars

[credit education systems]

Here I stand There is a story of a young, but earnest Zen student who approached his teacher, and asked the Master, "If I work very hard and diligently, how long will it take for me to find Zen? The Master thought about this, then replied, "Ten years . ." ?The student then said, "But what if I work very, very hard and really apply myself to learn fast รข€" How long then?" Replied the Master, "Well, twenty years." "But, if I really, really work at it, how long then?" asked the student. "Thirty years," replied the Master. "But, I do not understand," said the disappointed student. "At each time that I say I will work harder, you say it will take me longer. Why do you say that?" ?Replied the Master, "When you have one eye on the goal, you only have one eye on the path." This is the dilemma I've faced within the American education system. We are so focused on a goal, whether it be passing a test, or graduating as first in the class. However, in this way, we do not really learn. We do whatever it takes to achieve our original objective. Some of you may be thinking, "Well, if you pass a test, or become valedictorian, didn't you learn something? Well, yes, you learned something, but not all that you could have. Perhaps, you only learned how to memorize names, places, and dates to later on forget in order to clear your mind for the next test. School is not all that it can be. Right now, it is a place for most people to determine that their goal is to get out as soon as possible. I am ...

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ProSchools is now approved to offer mortgage continuing education credits and real estate continuing education credit in California through one single course. ... ProSchools, one of the nation's premier online continuing education providers, is proud ... Mortgage and Real Estate Professionals Can Combine Continuing Education ...

We all agree on this. Nobody likes a pessimist. But somewhere in between is the realist who is totally disinterested...meaning unbiased. The press tries so hard to interpret any uptick as "recovery." I saw one headline today "Retail sales up 9% in March!" But last March retail sales were down 5%. Not everyone realizes that a 50% loss last year requires a 100% gain this year in order to get even. If you had a $ 100 and suffered a 50% loss or $ 50. Now to get back to $ 100 you would need a 100% gain. Nothing from nothing is still nothing. Many times headlines really camouflage the truth.

Is the economy in recovery? I keep reading that it is. Yes, the quarterly GNP no longer is spiraling down but the slight improvements are meaningless considering the following FACTS:

Last week, the Feds stopped buying mortgaged backed securities which has been artificially keeping lending rates down. Today's headline "The era of record-low mortgage rates may be over." The fact is that mortgage rates have jumped from 5 to 5.3% in the past week. Analysts predict 6% rate this year.

Holy moly, nearly 1 out of 10 homeowners are behind 90 days or more on their payments!

The #1 industry that can lead us to recovery is the real estate market. And, this industry is under assault. Related

Your credit rating is a number between 300 (poor) and 850 (good), also known as a FICO score which stands for Fair Isaac & Co, the company who developed the first scoring systems in the 1950s. The rating is compiled by three credit reporting agencies: Experian, Equifax and Trans Union from a number of factors, including:


This may happen for a number of reasons, a person may accumulate debt over a number of years until they suddenly realize it has gone out of control or perhaps they have invested in a business that collapsed. Bankruptcy results when both the creditor (the people lending money) and the person in debt realize that there is no chance of repaying that amount of money back. The person in debt then files for bankruptcy. How does bankruptcy affect my credit rating?

Bankruptcy may seem like an easy way out, but it has a very bad effect on your credit rating, which is why it should only be used as a last resort. A declaration of bankruptcy can remain on your credit files for up to ten years and will bring your credit rating down considerably making it harder to get loans and credit cards as well as pushing your interest rates up. If you can prove that you can manage your money well, then the outlook wont be all bleak for the next ten years. Some things that you can do to heal your credit rating are:


Taking out a credit card after bankruptcy may be the last thing you feel like doing, but if you take out a secured credit card and use it strictly within your repayment budget each month you will build up a financial history indicating responsible use of credit, which will help to improve your credit rating. It is also worth applying for copies of your credit report from the credit reporting agencies (Experian, Equifax and Trans Union) and checking them for any errors. Although bankruptcy will be listed on your report it is important to make sure there are no mistakes that could unfairly add to a low credit rating.
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