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How to discharge student loans in bankruptcy? https://3wayfunding.com/optin

Posted by HOUSTON MCMILLER on January 2, 2017 at 7:50pm

How to discharge student loans in bankruptcy?

When you’re trying to discharge a student loan in bankruptcy, you need to know which student loans are dischargeable. There’s a difference between a federal student loan, federal student loan serviced by a private student loan, and a private student loan?

A federal student loan is issued by the federal government and serviced by the federal government. They have a lower interest rate and the federal government usually can forgive the balance of the loan if you are not able to make the payments.

Now the federal student loans that are serviced by private lenders have been recalled by the federal government because the private servicer were not being flexible with the borrower with their payment plans. Which also cause the borrower to default as well as taint the borrower credit.

The third type of student loan is from private lenders, such as Sallie Mae, Citibank, Wells Fargo, bank of America, and Navient, which is a subsidiary of Sallie Mae. When these private lenders issue student loans they do not have the federal government protection, so those loans are treated like a regular personal loan. Which also means that these lenders make up their own rules when issuing loan and collecting on them. They can increase the interest rates, if you miss a payment, they’ll send you collections, file the insurance claim get your student loan paid off and then force you to may them too.

Lesson Learned, Let It Go

Posted by Tiffany Jones on November 3, 2012 at 9:44pm

I was sitting in church one Sunday morning listening to a dynamic sermon by my pastor, a very captivating man of God. As the sermon was coming to a close, you could see the tissue box being passed up and down the aisles as people were wiping away their tears. The message really touched the spirit as many could identify with the word that was given. The title of the sermon was Let It Go. Throughout this life, we inevitably will encounter people and situations that create resentment and bitterness in our hearts. That hurt can carry on for days, weeks, months and oftentimes years, because we simply cannot Let Go of the painful situation we rather wish never happened at all. But it did happen and the moment it does, there are two roads ahead to travel. The road of forgiveness or the road of resentment. If you unfortunately haven traveled the road of resentment, the weight of your hurt may have built up and caused you to have negative emotions that won't leave you. But what we need to realize is that, you're not hurting the person that betrayed you, you are only bringing more harm, more hurt, more negativity into your life because you continue to dwell on it and not Let Go. When you're at the point where you wish evil and harm onto the person that caused this pain, then you've become a prisoner to the situation. You can never accomplish all that you were created to be until you forgive the one who hurt you and release the pain that is attached to it. Forgiveness is a gift, but not a gift for them, the forgiveness is for you. Once you forgive, you've altered your course and are now traveling the road of forgiveness, which leads to joy, happiness, prosperity, abundance and a life filled with blessings.How do you free yourself from resentment. You have to Face It! You cannot fix what you do not face. Don't ignore it, face it! Don't run from it, face it!Face what is holding you hostage in your resentment.Once you've accomplished that, then Forgive It!We have to be able to truly forgive. Just because you've chosen to forgive doesn't mean that you forget, you've simply been able to detach the negative and hurtful emotion that was attached to the pain.In order to forgive, we also must let go of pride. Forget your pride and protocol and finally Let Go of your past. Let the past go and never mind the "why it happened". If you've truly forgiven, the why doesn't matter anymore.If you need to Let It Go, start your journey by facing the problem and forgiving those involved. Don't continue to be a prisoner to your past, but yet be the light in your future and make a choice that will bless your life today.The Lesson Learned Is: When you encounter a situation in your life that strips you on your joy, your peace of mind, your sanity, your happiness, make the choice to let it go and move forward with your life, taking with you the valuable life lesson this experience taught you.Love and Gratitude,The Black Woman's Rule Book

Learning to Forgive

Posted by Michelle Howard Smith on December 8, 2009 at 8:41pm

Forgiveness has and will always be a difficult tasks for fallen humankind.Check out this blog post on the importance of forgiving: Why Forgive - Reasons for Forgiving

Why I Was Created

Posted by Dr.Glyniel Garner on April 2, 2009 at 8:35pm

These words was written by John Rohn. His words said everything about why I was created.Sometimes you can’t make it on your own.Combine your knowledge; none of us issmarter than all of us.Welcome greatness; it lives all around you.Choose to think the best about others.Choose to believe the best about others.Be enthusiastic!!!Put people up; not down!Develop the ability to find the abilityin others; it’s “Priceless”!!Help others be liked.Help others be right.Help others be comfortable.Help others be winners.Get your ego out of the way.Replace “I” with “We".Inspire someone to bethe best they can be.Think like a person of action.Act like a person of thought.Have no regrets.Commit yourself to something bigger than yourself.Act as if what you do makes a difference.It Does!!Go for it!Start an epidemic of enthusiasm!Throw your heart over the bar and your body will follow.Don’t waste your time waiting for inspiration.Begin and inspiration will find you!Be on a mission!Never let weeds grow under your dreams.Never mistake knowledge for wisdom.Never chase a lie.Never laugh at anyone’s dream.Never make excuses.Make promises sparingly.Keep them faithfully.Have no limits.Never kill an idea.Pursue character before prosperity.Be loyal.Ask “What if?”Give so much time to the improvement of yourself that you don’t have time to criticize others.Create an atmosphere of forgiveness.Make your word your bond.Don’t be little; be BIG!Learn to say NO! to the good.So you can say YES! to the great!Be unpopular when necessary.Never be ashamed of what you believe.Never let up when you are ahead.Don’t blow your own horn, or you just might miss the music.Let others lead small lives, but not you.Let others argue over small things, but not you.Let others cry over small hurts, but not you.Let others leave their future in someone else’s hands, but not you.Never be afraid to dream; be afraid not to.Never be afraid to live; be afraid not to.Never be afraid to love; be afraid not to.Never be afraid to laugh; be afraid not to.You’re ALIVE, “live it that way!”

Marriage - The First Ministry

Posted by Dr.Glyniel Garner on April 15, 2009 at 3:30pm

Marriage – The First MinistryStatistics reveal that about 45 – 50 percent of all marriages will eventually end in divorce. These numbers are staggering to say the least. These numbers include Christian marriages as well.Why are these numbers so high? The answer: marriages have stopped being a priority in the lives of many busy couples.Work, children, and social activities have been substituted for the number one ministry between a man and a woman - that is the ministry of marriage.What is ministry? Ministry is from the Greek word "diakoneo", meaning "to serve" or "douleuo", meaning "to serve as a slave". In the New Testament, ministry is seen as a service to God and to other people in His name. Jesus provided the blueprint for the pattern of Christian ministry – He came, not to receive service, but to give service (Matthew 20:28; Mark 10:45; John 13:1-17)In marriage, couples are to minister by meeting the other's needs with love and humility on Christ's behalf (Matthew 20:26; Mark 10:43; John 2:5,9; Acts 6:3; Romans 1:1; Galatians 1:10; Colossians 4:12).When we think of ministry, we think of the minister or the pastor of a church or the different functioning organizations within the church. As married couples, it is our obligation to be the minister in our spouse's life.Counseling and Life Coaching are wonderful tools to assist couples and individuals who are in desperate need of these services and are very much necessary for the help they provide. If couples would not only think of themselves as just husbands and wives but think of themselves as ministers to their spouses, the counseling load would not be as great. Ministering to your spouse can and should include ministering to the physical, emotional, mental, vocational, and financial needs of the other.Marriages today have become self-centered when the marriage is no longer two people being one, but two people remaining as two. My money, your money, my car, your car – couples are living more separate and divided lives within the same home. Today solid and happy homes are becoming a thing of the past. There are no more Ozzie and Harriet's, Leave It to Beaver's or Father Knows Best households. In these homes husbands and wives were both in the home, fathers took the roles of headship, provider, mentor and the disciplinarian in the home, and fathers were looked up to as the children's hero, not an action figure on television. Wives could be at home to raise the children and not rely on daycare to nurture and care for the family. In these homes, husbands and wives were the staple of the family and took active roles in the lives of their children and their communities. Times have changed so drastically. Today there are one parent households, children being raised by television, the drop out rate for high school students is at an all time high, and a major part of the criminal activities in our society are committed by our youth.The Cosby Show tried to depict a solid family image to American families and some did not buy this as reality, especially for the African American community.I can think of couples who were happily married five years ago, who today are no longer married or are now living emotionally divorced and living separated lives within the home. Marriage is the foundation to a great family life and God's greatest tool for ministry.Great marriages with their priorities in order depend on these elements to remain fortified: honesty, communication, commitment, and sacrifice. Placing our spouse as our first priority will produce true prosperity in our homes. There will be nothing missing, nothing lacking and nothing broken.The Bible speaks of several action verbs in Genesis 2:24 which models some priorities in marriage. The first verb is to "leave". Man is to leave his mother and father and to establish a new beginning with his wife. The second verb is to "cleave". Man is to leave his mother and father and to cleave to his wife. Cleave means to weld together or stick to like glue.Marriage is not only a priority- it is preeminent. It is superior to, and surpassing above all other human relationships. Husband and wife are to be bound together and should not be cut apart. The third verb in this passage of scripture is the verb "be". First, man is to leave then to cleave and to be one flesh. Becoming one is more than being physically one, but also psychologically one which is communication.Most marriages break down for a lack of communication with their spouse. The lack of attention and communication will eventually result in both parties involved to struggle, which will finally cause a break down in the home. Couples must stay committed to the vows they took on their wedding day before the Lord, to be committed "for better or for worse". There will be difficult times in the marriage and that is not the opportunity for the husband or the wife to bail out of the marriage. We are to stick it out and give that situation over to God. Be committed in "for richer or poorer". In these tough economic times that we are facing, when some are just getting by, when the prices are high and the paychecks are low, commitment is essential. Lastly, be committed in "sickness and in health". We do not know what challenges or sickness either spouse may face in the life of the marriage. We are to continue to love and to cherish our mate til death does part us.Ministry can and should be carried out daily in our lives with our spouses. God set the example of how much He loved us that He gave His only begotten Son to come to earth and die on a cross for us. It was God's priority to send us a Savior. We in turn, are to love and meet the needs of our spouse as a priority, setting the example in our marriages and sharing our love just as God has done for us.by Glyniel GarnerGlyniel Garner is a Professional Certified Life Coach, Board Certified Biblical Counselor and Certified Marriage Mentor. She is the founder of New Horizon Coaching Associates in Ocala, Florida. Glyniel can be reached at www.ourchurch.com/member/n/nhca www.myspace.com/newhorizoncoaching

Do I Have To Forget To Forgive?

Posted by Deidre Logan on December 15, 2008 at 11:45pm

Amnesia is Impossible. Now What?Hurt feelings happen. Pain is a fact of life. Get used to it. It's not going anywhere. Create a strategy for dealing with it right now and spare yourself years and years of needless pain.The good news is hurt feelings are not fatal. You don't have to die from your pain. Pain doesn't have to be a lifestyle. Contentment and happiness can be made in spite of it. The real question is, are you willing to do what it takes to have contentment and happiness anyway?Maintaining a lasting relationship is impossible if you expect that your partner would not disappoint you if they truly loved you. Proximity alone makes this absolutely impossible. The mistake here is the "my feelings are hurt = my partner doesn't love me" assumption. News flash: the world doesn't revolve around your feelings. That's good news. It puts the control back where it should have been all along - in your hands.You can be right or you can be in relationship. When you're really fortunate, you can be both. But there are times when you will have to choose. Here's something to keep in mind: forcing "right" makes you an enemy to your partner. How excited would you really be to be sleeping with your enemy? Don't set yourself up for the failure.Listen, I understand that some things can, and should, not be negotiated. I'm not talking about those things. I'm talking about times when your pride becomes more important than fostering the kind of trust that creates the safety that makes true intimacy possible in any relationship. There will be more than enough situations in your partnership that will tend to divide you. If there's room to forgive, take it at every available opportunity. I promise you that you will soon be the one who needs the favor in return.You will not get amnesia. If that's what it takes for you, then you've got much bigger relationship issues. Forgiveness isn't about forgetting. It's about making a conscious decision not to continue to hold an offense against someone. It is to know what the wrong was and to give up your "right" to revenge and retribution. To forgive, is to be willing to value your relationship above your feelings.It's a tall order. Accept that your partner is not purposely trying to hurt you. Take responsibility for your own feelings and stop unfairly burdening the one you love. You will find that your relationship will improve right away.Speaking the truth in love,Deidre

I Hope!

Posted by Author Lily L. Ratliff on October 26, 2008 at 1:38am

I hope that I will always be for each personwhat he or she needs me to be.I hope that each person’s death will diminish me,but that fear of my own will never diminish my joy of life.I hope that my love for those whom I like will never lessenmy love for those whom I do not.I hope that another person’s love for me will neverbe a measure of my love for him or her.I hope that everybody will accept me as I am,but that I never will.I hope that I will always ask for forgiveness from others,but will never need to be asked for my own . . .I hope that I will always recognize my limitations,but that I will construct none.I hope that loving will always be my goal,but that love will never be my idol.I hope that everyone will always have hope.-Henri NouwenI read this poem and cried! This is ME! How many of you have hope like this?In His Love,Lily

"Once Again It's On!"

Posted by Tiffany Brown on July 29, 2008 at 12:21pm

Back by Popular Demand, The inspirational stage play "A Piece of Me" comes back to Harlem for the third time this summer!

"A Piece of Me" by Jermaine Smith has been nominated for FOUR 2008 "Tiffany Gospel Awards".Thank you to ALL who supported this talented young man and his production team. CONGRATS & KEEP UP THE GREAT WORK.

If you've missed it, here is another opportunity to see what the buzz is all about
PLEASE SPREAD THE WORD EVEN IF YOU'RE NOT IN NY OR NJ.

Harlem:Saturday, August 2, 2008Oberia D. Dempsey Theatre127 W. 127th Street (btw Adam Clayton Powell & Lenox Ave)New York, NY 10027Doors open at 5PM, Showtime at 6PM$15 in advance$20 at the door
New Jersey:Saturday, August 16, 2008"Tony Award Winning" Crossroads Theatre7 Livingston Avenue
New Brunswick, NJ 08901Doors open at 6PM, Showtime at 7PM$20 in advance$25 at the door.

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Note: this page contains paid content.