Wednesday, November 14, 2012

Paws for Pets: Raj | WTVR.com ? Richmond News & Weather from ...

Posted on: 5:39 pm, November 12, 2012, by Amanda Meadows, updated on: 09:02am, November 13, 2012

RICHMOND, Va (WTVR) ? Meet Raj a 6 month old grey and black tabby boy. Full of pep and ready to play. Raj also enjoys snuggling and being a lap cat.

If you?re interested in Raj you can call the Richmond Animal League at 379-0046.

Source: http://wtvr.com/2012/11/12/paws-for-pets-raj/

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Sunday, November 11, 2012

BBC trust head calls for radical overhaul

AAA??Nov. 11, 2012?11:37 AM ET
BBC trust head calls for radical overhaul
By CASSANDRA VINOGRADBy CASSANDRA VINOGRAD, Associated Press?THE ASSOCIATED PRESS STATEMENT OF NEWS VALUES AND PRINCIPLES?

The BBC Director General, George Entwistle, left, stands with the Chairman of the BBC Trust, Lord Chris Patten, as he announces his resignation as Director General outside New Broadcasting House in central London, after recent news program problems, Saturday Nov. 10, 2012. The BBC's director general had said earlier Saturday that it should not have aired a report that wrongly implicated a politician in a child sex-abuse scandal, admitting that the program further damaged trust in a broadcaster already reeling from the fallout over its decision not to air similar allegations against one of its star hosts. George Entwistle's comments followed an embarrassing retreat for the BBC, which apologized Friday for its Nov. 2 "Newsnight" TV show on alleged sex abuse in Wales in the 1970s and 1980s. During the program, victim Steve Messham claimed he had been abused by a senior Conservative Party figure. The BBC didn't name the alleged abuser, but online rumors focused on Alistair McAlpine, a Conservative Party member of the House of Lords. On Friday, he issued a fierce denial and threatened to sue. (AP Photo/ Max Nash)

The BBC Director General, George Entwistle, left, stands with the Chairman of the BBC Trust, Lord Chris Patten, as he announces his resignation as Director General outside New Broadcasting House in central London, after recent news program problems, Saturday Nov. 10, 2012. The BBC's director general had said earlier Saturday that it should not have aired a report that wrongly implicated a politician in a child sex-abuse scandal, admitting that the program further damaged trust in a broadcaster already reeling from the fallout over its decision not to air similar allegations against one of its star hosts. George Entwistle's comments followed an embarrassing retreat for the BBC, which apologized Friday for its Nov. 2 "Newsnight" TV show on alleged sex abuse in Wales in the 1970s and 1980s. During the program, victim Steve Messham claimed he had been abused by a senior Conservative Party figure. The BBC didn't name the alleged abuser, but online rumors focused on Alistair McAlpine, a Conservative Party member of the House of Lords. On Friday, he issued a fierce denial and threatened to sue. (AP Photo/ Max Nash)

The BBC Director General, George Entwistle, announces his resignation from the BBC outside New Broadcasting House in central London, after recent news program problems, Saturday Nov. 10, 2012. The BBC's director general had said earlier Saturday that it should not have aired a report that wrongly implicated a politician in a child sex-abuse scandal, admitting that the program further damaged trust in a broadcaster already reeling from the fallout over its decision not to air similar allegations against one of its star hosts. George Entwistle's comments followed an embarrassing retreat for the BBC, which apologized Friday for its Nov. 2 "Newsnight" TV show on alleged sex abuse in Wales in the 1970s and 1980s. During the program, victim Steve Messham claimed he had been abused by a senior Conservative Party figure. The BBC didn't name the alleged abuser, but online rumors focused on Alistair McAlpine, a Conservative Party member of the House of Lords. On Friday, he issued a fierce denial and threatened to sue. (AP Photo/ Max Nash)

FILE - A Tuesday, Oct. 23, 2012 photo from files showing BBC Director General, George Entwistle, leaving Portcullis House in London after giving evidence to the Parliament Select Committee. The BBC?s director general said Saturday that it should not have aired a report that wrongly implicated a politician in a child sex-abuse scandal, admitting that the program further damaged trust in a broadcaster already reeling from the fallout over its decision not to air similar allegations against one of its star hosts. George Entwistle?s comments followed an embarrassing retreat for the BBC, which apologized Friday for its Nov. 2 ?Newsnight? TV show on alleged sex abuse in Wales in the 1970s and 1980s. During the program, victim Steve Messham claimed he had been abused by a senior Conservative Party figure. The BBC didn?t name the alleged abuser, but online rumors focused on Alistair McAlpine, a Conservative Party member of the House of Lords. On Friday, he issued a fierce denial and threatened to sue. (AP Photo/Sang Tan, Flle)

FILE - A Tuesday Oct. 23, 2012 photo from files showing BBC Director General George Entwistle as he leaves Portcullis House in London after giving evidence to the Parliament Select Committee. In a statement made outside New Broadcasting House, central London, Saturday evening, George Entwistle said he was stepping down as BBC Director General. (AP Photo/Sang Tan, File)

The BBC Director General, George Entwistle, announces his resignation from the BBC outside New Broadcasting House in central London, after recent news program problems, Saturday Nov. 10, 2012. The BBC's director general had said earlier Saturday that it should not have aired a report that wrongly implicated a politician in a child sex-abuse scandal, admitting that the program further damaged trust in a broadcaster already reeling from the fallout over its decision not to air similar allegations against one of its star hosts. George Entwistle's comments followed an embarrassing retreat for the BBC, which apologized Friday for its Nov. 2 "Newsnight" TV show on alleged sex abuse in Wales in the 1970s and 1980s. During the program, victim Steve Messham claimed he had been abused by a senior Conservative Party figure. The BBC didn't name the alleged abuser, but online rumors focused on Alistair McAlpine, a Conservative Party member of the House of Lords. On Friday, he issued a fierce denial and threatened to sue. (AP Photo/ Max Nash)

(AP) ? The head of the BBC's governing body said Sunday the broadcaster needs a radical overhaul following the resignation of its chief executive in the wake of a scandal over a botched report on child sex-abuse allegations.

Chris Patten vowed to restore confidence and trust in the BBC, which is reeling from the resignation of George Entwistle and the scandals prompting his ouster.

Entwistle resigned Saturday night amid a storm of controversy after a news program wrongly implicated a British politician in a child sex-abuse scandal, deepening a crisis sparked by revelations it decided not to air similar allegations against one of its own stars.

Patten told the BBC on Sunday he will not resign, saying he must ensure the publicly funded broadcaster "has a grip" and gets back on track.

"My job is to make sure that ... we restore confidence and trust in the BBC," he said, and called for a "thorough, radical structural overhaul."

The scandal comes at a sensitive time for Britain's media establishment, which is struggling to recover from an ongoing phone-hacking scandal that brought down the nation's best-selling Sunday newspaper, led to the arrests of dozens of journalists and prompted a judge-led inquiry into journalistic ethics and the ties between politics and the news media.

Kevin Marsh, a former senior editor of the BBC, said the resignation does little to re-establish public trust in the BBC, which is funded mainly by a tax on U.K. households that have televisions.

"The BBC asks the British public to pay its bills every year, and the only way it can do that is if the British public trusts the way it is spending its money," he said.

Entwistle took over as head of the BBC two months ago from Mark Thompson, who will become chief executive of The New York Times Co. on Monday. The broadcaster was emerging from a difficult period marked by budget cuts, job losses and mounting calls to justify its 3.5 billion pound ($5.6 billion) budget.

___

Associated Press writer Cassandra Vinograd can be reached at http://twitter.com/CassVinograd

Associated PressNews Topics: Business, General news, Government and politics, Newspapers, Broadcasting, Child abuse, News media, Media, Media industry, Media and entertainment, Industries, Crimes against children, Crime

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-11-11-Britain-Child%20Abuse/id-6f35c02cce364c3eabd6935920db971d

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Video: Nanocrystals and nickel catalyst substantially improve light-based hydrogen production

Video: Nanocrystals and nickel catalyst substantially improve light-based hydrogen production

Friday, November 9, 2012

Hydrogen is an attractive fuel source because it can easily be converted into electric energy and gives off no greenhouse emissions. A group of chemists at the University of Rochester is adding to its appeal by increasing the output and lowering the cost of current light-driven hydrogen-production systems.

The work, funded by the U.S. Department of Energy, was led by chemistry professors Richard Eisenberg, Todd Krauss, and Patrick Holland, and included graduate students Zhiji Han and Fen Qiu. Their paper will be published later this month (Nov. 23) in the journal Science.

The chemists say their work advances what is sometimes considered the "holy grail" of energy science?efficiently using sunlight to provide clean, carbon-free energy for vehicles and anything that requires electricity.

One disadvantage of current methods of hydrogen production has been the lack of durability, but the Rochester scientists were able to overcome that problem by incorporating nanocrystals. "Organic molecules are typically used to capture light in photocatalytic systems," said Krauss, who has been working in the field of nanocrystals for over 20 years. "The problem is they only last hours, or, if you're lucky, a day. These nanocrystals performed without any sign of deterioration for at least two weeks."

Richard Eisenberg, the Tracy H. Harris Professor of Chemistry, has spent two decades working on solar energy systems. During that time, his systems have typically generated 10,000 instances?called turnovers?of hydrogen atoms being formed without having to replace any components. With the nanocrystals, Eisenberg and his colleagues witnessed turnovers in excess of 600,000.

The researchers managed to overcome other disadvantages of traditional photocatalytic systems. "People have typically used catalysts made from platinum and other expensive metals," Holland said. "It would be much more sustainable if we used metals that were more easily found on the Earth, more affordable, and lower in toxicity. That would include metals, such as nickel."


Nanocrystals and nickel catalyst substantially improve light-based hydrogen production. Credit: Matthew Mann/University of Rochester

Holland said their work is still in the "basic research stage," making it impossible to provide cost comparisons with other energy production systems. But he points out that nickel currently sells for about $8 per pound, while the cost of platinum is $24,000 per pound.

While all three researchers say the commercial implementation of their work is years off, Holland points out that an efficient, low-cost system would have uses beyond energy. "Any industry that requires large amounts of hydrogen would benefit, including pharmaceuticals and fertilizers," said Holland.

The process developed by Holland, Eisenberg, and Krauss is similar to other photocatalytic systems; they needed a chromophore (the light-absorbing material), a catalyst to combine protons and electrons, and a solution, which in this case is water. Krauss, an expert in nanocrystals, provided cadmium selenide (CdSe) quantum dots (nanocrystals) as the chromophore. Holland, whose expertise lies in catalysis and nickel research, supplied a nickel catalyst (nickel nitrate). The nanocrystals were capped with DHLA (dihydrolipoic acid) to make them soluble, and ascorbic acid was added to the water as an electron donor.

Photons from a light source excite electrons in the nanocrystals and transfer them to the nickel catalyst. When two electrons are available, they combine on the catalyst with protons from water, to form a hydrogen molecule (H2).

This system was so robust that it kept producing hydrogen until the source of electrons was removed after two weeks. "Presumably, it could continue even longer, but we ran out of patience!" said Holland.

One of the next steps will be to look at the nature of the nanocrystal. "Some nanocrystals are like M&Ms ? they have a core with a shell around it," said Eisenberg. "Ours is just like the core. So we need to consider if they would they work better if they were enclosed in shells."

###

University of Rochester: http://www.rochester.edu

Thanks to University of Rochester for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Source: http://www.labspaces.net/125191/Video__Nanocrystals_and_nickel_catalyst_substantially_improve_light_based_hydrogen_production

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Tuesday, October 16, 2012

Montana's Gov. Schweitzer creates buzz his own way

In this Sept. 19, 2012 photo, Montana Gov. Brian Schweitzer operates a backhoe as he clears a stream under a bridge he built on his ranch in Marysville, Mont., about 45 miles from the capitol in Helena. A day spent with Schweitzer riding four-wheelers and talking politics makes it easy to understand why he's one of the most unusual, and most effective, governors in the country. It's not often that a governor from a rural state with no major media market within 700 miles is considered potential cabinet level or even presidential material. But Schweitzer, 57, is creating that kind of dark horse buzz with a skillfully employed mastery of current affairs and a unique capacity for shameless and entertaining self-promotion.(AP photo/Matt Gouras)

In this Sept. 19, 2012 photo, Montana Gov. Brian Schweitzer operates a backhoe as he clears a stream under a bridge he built on his ranch in Marysville, Mont., about 45 miles from the capitol in Helena. A day spent with Schweitzer riding four-wheelers and talking politics makes it easy to understand why he's one of the most unusual, and most effective, governors in the country. It's not often that a governor from a rural state with no major media market within 700 miles is considered potential cabinet level or even presidential material. But Schweitzer, 57, is creating that kind of dark horse buzz with a skillfully employed mastery of current affairs and a unique capacity for shameless and entertaining self-promotion.(AP photo/Matt Gouras)

FILE - In this Sept. 6, 2012, file photo, Montana Gov. Brian Schweitzer addresses the Democratic National Convention in Charlotte, N.C. It?s not often that a governor from a rural state is considered potential cabinet level or even presidential material_but the 57-year-old Schweitzer is creating that kind of dark horse buzz with a mastery of current affairs and a unique capacity for self-promotion.(AP Photo/J. Scott Applewhite, File)

In this Sept. 19, 2012 photo, Montana Gov. Brian Schweitzer operates a backhoe as he clears a stream under a bridge he built on his ranch in Marysville, Mont., about 45 miles from the capitol in Helena. A day spent with Schweitzer riding four-wheelers and talking politics makes it easy to understand why he's one of the most unusual, and most effective, governors in the country. It's not often that a governor from a rural state with no major media market within 700 miles is considered potential cabinet level or even presidential material. But Schweitzer, 57, is creating that kind of dark horse buzz with a skillfully employed mastery of current affairs and a unique capacity for shameless and entertaining self-promotion.(AP photo/Matt Gouras)

In this Sept. 19, 2012 photo, Montana Gov. Brian Schweitzer operates a backhoe as he clears a stream under a bridge he built on his ranch in Marysville, Mont., about 45 miles from the capitol in Helena. A day spent with Schweitzer riding four-wheelers and talking politics makes it easy to understand why he's one of the most unusual, and most effective, governors in the country. It's not often that a governor from a rural state with no major media market within 700 miles is considered potential cabinet level or even presidential material. But Schweitzer, 57, is creating that kind of dark horse buzz with a skillfully employed mastery of current affairs and a unique capacity for shameless and entertaining self-promotion.(AP photo/Matt Gouras)

(AP) ? A day spent with Montana's Brian Schweitzer riding four-wheelers and talking politics makes it easy to understand why he's one of the most unusual ? and most effective ? governors in the country.

At his ranch ? and anywhere else ? Schweitzer, a popular Democrat in a conservative state, never misses a chance to leave a lasting, even outlandish, impression. He loves every minute of it, including speculation about his political future once he steps down because of term limits in January.

The former scientist and mint farmer is proud of his off-the-grid getaway: He built its spring-fed fishing ponds, rigged the plumbing system, designed the rudimentary battery-and-solar-powered panel for the log cabin 40 miles from Helena. It has no cellphone service.

"Plus I'm well-armed," adds Schweitzer, who hangs a gun on his office wall despite a gun ban in the Capitol.

Earlier this year, Schweitzer stormed New York's Times Square with a bullhorn like a political P.T. Barnum, handing out Montana-made promotional trinkets from a semi-truck. He appeared on Dave Letterman to promote Montana tourism, and the state this year is on a pace to break visitor records.

It's not often that a governor from a rural state with no major media market within 700 miles is considered potential cabinet level or even presidential material. But Schweitzer, 57, is creating that kind of dark horse buzz with a skillfully employed mastery of current affairs and a unique capacity for shameless and entertaining self-promotion.

At the Democratic National Convention, Schweitzer slammed Mitt Romney during a prime-time speech for a record hostile to gun owners. Schweitzer acknowledged that particular comment didn't go over well with many big-city Democrats. But it wasn't a mistake ? he just had a larger audience in mind.

"I don't necessarily say what pleases the people in the room," Schweitzer said. "I was saying what all the independents out there are thinking, but not hearing."

That style plays well in Montana, a state with a strong libertarian bent where bashing big corporations and government are well received.

For three years, Schweitzer has criticized the federal health care law as an insurance industry giveaway. But he also advocates a single-payer health care system like Canada's.

Schweitzer is a big advocate of coal, and he's not always friendly with environmentalists. But many liberals respect him for his ability to kick Helena Republicans in the shins and come out ahead.

He's adept at getting most of his budget through hostile Republican-controlled Legislatures. Last year, GOP leaders caved in when Schweitzer didn't budge in negotiations. He vetoed a record 130 bills and set many of those bills aflame with a branding iron on the Capitol steps.

Some Democrats hoped he would run for Montana's lone U.S. House seat this cycle, which he spurned. Others worry he could mount a primary challenge in 2014 to Democratic U.S. Sen. Max Baucus, with whom he has a prickly relationship.

He says neither fits.

"I am not goofy enough to be in the House, and I'm not senile enough to be in the Senate," sums up Schweitzer, adding he prefers to be in charge than pay homage to congressional seniority rules.

Democratic-leaning pollster Public Policy Polling has included Schweitzer in several early 2016 takes in presidential primary states, where the governor generally finishes toward the back of the pack.

It's clear Schweitzer is considering a run, though he quickly discusses things that could get in the way.

"If Hillary runs, she walks away with the nomination and then beats whichever Republican," Schweitzer said of Secretary of State Hillary Clinton. "It's lights out."

Montana Republicans beaten many times by Schweitzer don't think his "rural cowboy" formula of appealing to voters on guns and coal will play out of state.

"He has built his career in Montana on sounding like a Republican when he wants to. The Democratic presidential primary electorate in is not interested in that message," said Bowen Greenwood, the state Republican Party executive director.

On the road ? including stops this year in early primary states ? Schweitzer uses his high-energy speaking style to rouse audiences against the Afghan war and to tout energy independence.

Humor columnist Dave Barry called Schweitzer "a wild man" after Schweitzer wowed him with a graphic lesson on cattle castration at the Democratic National Convention. Barry wrote after the bar-side encounter that "if we don't elect this man, at bare minimum, president of the United States, we are even stupider than I think we are."

University of Montana political scientist James Lopach said the governor could be tapped for an Obama administration post if the politics of a second term require a centrist on energy or agriculture issues. The potential for a longshot run at president in 2016 remains.

"He is kind of bigger than life, the media like that, and he might be able to get a lot of early media exposure," Lopach said.

On the tour of his ranch, a reporter had to gun a four-wheeler to keep up with the governor.

The ponds are stocked with trout Schweitzer bought from a former Constitution Party legislator who was rarely a friend to the administration. Schweitzer kicks up Native American arrowheads next to a stream.

He tells the story of how he bought his wife a pistol so she wouldn't be afraid to use the outhouse at night because of wolves and bears. And he loves a laugh, suggesting a reporter urinate on an electric fence to see if it was powered up.

Does that really electrocute? his visitor asked.

"What do you think?" Schweitzer said with a big laugh.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-10-15-Montana's%20Brash%20Governor/id-264134be07af4aaf9c4d1efc6b97e206

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Aranez Book Samsung Galaxy S3 Leather Case Review

For me, one of the classic PDA case designs is the so-called ?book? cover. I had one for the HP200LX (and another one later for the Psion Revo) that was more like a pouch, than ones for the HP iPAQ 4355 and Dell Axim X51v that actually allowed you to use the device in the case and had slots for cards on the left side. It is this ability to carry more than just the device that always attracted me. Now I have had the chance to try the Aranez Book case for the Samsung Galaxy SIII. Let?s see how it measures up!

The Hype:
The Aranez Book Samsung Galaxy S3 Leather Case is a luxurious cover for your Samsung Galaxy S3.

Made from sumptuous premium cow leather, it gives your Samsung Galaxy S3 a stylish and professional look while keeping it 100% functional. The Aranez Book Samsung Galaxy S3 Leather Case is outlined by quality silver stitching which gives it that distinctive ?Aranez? look.

Other features of the Aranez Book Samsung Galaxy S3 Leather Case include two credit card or ID card pockets inside the front cover of the case. For those who don?t like carrying too many things, this case is perfect for you.

The Reality:

As I noted in my review of their Flip Case, the Aranez Book Case needed to meet three basic tests for me to be able to recommend it: protection, ease of use, and materials and quality worthy of the price.

In terms of the protection, the book case holds the phone in place with a fully-exposed rigid plastic cover, which is then surrounded by a book-style leather case that fully encloses the front, back and left side. The plastic seems similar in terms of coverage to the Flip case, so there is solid coverage all-around while maintaining the ability to access the functional areas and ports.

Due to the more rigid plastic of the case that snaps around the body, more effort is required to get the phone out of the cover. You can see this in the video. Fortunately there are no sharp edges or other things to impact the body of the phone. As a result this is not a case you want to use if you constantly remove your phone ? but on the other hand once inserted the phone is very firmly held in place.

I had mentioned the appeal of having a ?mini-wallet? usability with these book covers, and there is some of that present here. You get two slots for a license or credit card, but don?t plan on much more than that. Whereas on older devices a book cover would allow me to hold several business cards, license, credit card and have an area to collect cards or store some case ? here you can fit perhaps two or three cards. This is done to keep the case profile slim, but the result is very limited storage.

As with the Flip case, the Galaxy S3 is a large device, so simply putting on a full-coverage case is enough to make it un-pocketable. However, my only real complaint is that the usability is more limited than with the Flip cover. When holding the case slightly open, access to volume controls is limited. And the case seems to get in the way trying to rotate around for gaming and watching videos. As you can see in one of the images, the magnetic seal wants to flap against the screen when open.

As Aranez notes, the case is made of ?sumptuous premium cow leather?, and carries a $70 price tag. For me that is more than I would usually want to spend, so I would want to be sure that the case is high quality in terms of build and feel. The stitching is tight and uniform and looks very secure and professional ? and the feel of the case is just superb. It is the type of soft leather that just feels great in your hand, and that you know will only get better as it ages and wears.

Everything from the tightness of the fit to the access to all media ports shows a great attention to detail and design, and makes this an easy recommendation if you are looking for a quality case that fully covers your Galaxy S3. However, depending on how you use your phone I prefer the Flip case for gaming and video watching.

Here is my hands-on video of the Aranez Book Samsung Galaxy S3 Leather Case:

Review: Aranez Book Samsung Galaxy S3 Leather Case

Where to Buy: Aranez.com

Price: $69.95

What I Like: Great design; perfect fit; great leather feel; price in line with materials and quality

What Needs Improvement: Volume rocker less accessible; magnetic seal wants to flap in front of screen.

Source: Publisher provided review sample

Special thanks to US Cellular for the Samsung Galaxy S III used in this review!

Tags: Android Phone and Tablet Gear, Reviews

Source: http://www.geardiary.com/2012/10/15/aranez-book-samsung-galaxy-s3-leather-case-review/

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Saturday, September 29, 2012

Shawn Flaherty To Speak About The Art of ... - Flaherty Fardo, LLC


Flaherty Fardo, LLC is a Pittsburgh law firm helping clients throughout western Pennsylvania, including the following counties:
Allegheny County, Armstrong County, Beaver County, Butler County, Cambria County, Erie County, Elk County, Fayette County,
Mercer County, Venango County, Washington County and Westmoreland County.

Flaherty Fardo, LLC | Attorneys at Law | 5541 Walnut Street | Shadyside | Pittsburgh, PA 15232 | Phone: 412.802.6666 | Fax: 412.802.6667 | email: info@pghfirm.com


Source: http://pghfirm.com/flaherty-to-speak-about-pittsburgh-businesses-and-the-art-of-negotiation/

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Saturday, September 8, 2012

A New Life Full of Debt? How to Cope with Student Loans When ...

Student Loan Debt Bubble, 1980-2011(Photo credit: Occupy* Posters)Student loan payments are an easy way to rack up debt and to feel discouraged about one's financial obligations. New graduates are facing years of hefty premiums to pay off their four years of studying at a local college.?

Even if you over fifty, the prospect of having to pay student loans when you should be enjoying retirement can be daunting. While it is not possible to defer loans, or make them go away, there are some things that you can do to make your life easier.?

The following list will help give you a better idea on how to deal with student loans if you are over fifty.

1) Take Advantage of Grace Periods

Did you just graduate from a program or school? If yes, then take advantage of the grace period you have after graduation to find a job. Even if you already have employment, there are things you can prepare for once the six months are over.?

First, save every extra penny you have. These savings should go back into your loan so that you do not have to worry about scrambling for your first few payments. Also, see if the loan accepts early payments without a penalty. If it does, then pay as much as you can so that you will have a lower obligation once interest starts to accumulate.?

Grace periods are designed to give new students a leverage. This time will allow you to look for work and save money without any faults. Use this period as you see fit in order to make sure you do not fall behind on your first payments. Take full advantage of the grace period because it will not last long.

2) Do Not Stress Out

If you have not found employment as soon as you would have liked, then do not stress out. As you are older than most new graduates, the stress can wear on you particularly hard. It is best that you keep up your health, and do the best you can to pay your bills.

Unfortunately, you do not have the luxury of changing careers every couple of years due to your youth. Thus, it is important to find a career or job that you will love doing as soon as possible after graduation. It may take longer than necessary to find the right position for you.?

In the mean time, take on a part time job or the first offer you get in order to make an income while looking. Thanks to your income you will be able to pay your premiums each month. Once you secure an offer from your dream job, then you will be one step ahead of your financial problems.


Whatever happens, do not worry about paying off your student loans. You will get rid of them sooner than you think as long as you pay on time and in full.

Tyler R. is a freelance writer from Washington D.C and contributor to DegreeJungle's best online college rankings. At the moment, Tyler lives in Europe and speaks 3 languages.

Source: http://www.50plusfinance.com/2012/09/a-new-life-full-of-debt-how-to-cope.html

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