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	<title>Stories &#38; News - jlangvad.com</title>
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		<title>Learn the Tricks of the Trade</title>
		<link>http://www.jlangvad.com/2013/06/18/learn-the-tricks-of-the-trade/</link>
		<comments>http://www.jlangvad.com/2013/06/18/learn-the-tricks-of-the-trade/#comments</comments>
		<pubDate>Tue, 18 Jun 2013 05:08:49 +0000</pubDate>
		<dc:creator>Dorothy Burroughs</dc:creator>
				<category><![CDATA[The Daily Adviser]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=115</guid>
		<description><![CDATA[Dealers go to trainings just to perfect their marketing craft. This should send a message to smart buyer, as deals are battles that happen silently, behind poker faces and active minds. Save a few dollars by anticipating the turn of events. Do Your Homework Go in armed and educated. Study the pricing of the car [...]]]></description>
				<content:encoded><![CDATA[<p><img class="alignright size-medium wp-image-116" alt="" src="http://www.jlangvad.com/wp-content/uploads/2013/06/cars-300x200.jpg" width="300" height="200" />Dealers go to trainings just to perfect their marketing craft. This should send a message to smart buyer, as deals are battles that happen silently, behind poker faces and active minds. Save a few dollars by anticipating the turn of events.</p>
<p><strong>Do Your Homework</strong></p>
<p>Go in armed and educated. Study the pricing of the car you like and have your financing lined up. If you walk in with nothing, then you’ll most likely fall victim to a bad deal. Kelley Blue Book, Edmunds, and National Automobile Dealers Association (NADA) all offer guides for car values. <a href="http://money.usnews.com/money/personal-finance/articles/2013/01/30/avoid-these-car-dealership-sales-tricks" target="_blank" rel="nofollow">Indianapolis car dealers</a> are experts who do this every day and can evaluate what a particular model is really worth in the market.</p>
<p><strong>Positions and Power Play</strong></p>
<p>To get a great price with minimal haggling, call and ask for the manager. Negotiate starting from the invoice price. This is what the dealership paid for the car, and it’s public information that’s easy to find online. You’ll be saving a lot more by negotiating up from there, not down from the sticker price. Don’t do this in any room or office where the salesperson sits behind the desk. This could make you feel inferior and may be willing to pay a little more. Power chairs in offices make you think that their occupants are in control.</p>
<p><strong>Competitive Buying and Trading</strong></p>
<p>The best time to buy is at the end of the month, and it’s best to negotiate the trade-in separately. Avoid the weekend and come instead on a Tuesday or Wednesday, so you could test drive some cars and ask for information. Come by on weekday, and bring along your partner. Look for financing options like <a href="http://en.wikipedia.org/wiki/Buy_Here_Pay_Here" target="_blank" rel="nofollow">buy here and pay here in Indianapolis or elsewhere</a>. Don’t go accepting extended warranties and credit insurance, as you don’t need them. Although they make you feel sure and secure, they can do no good to your car. Stay until you know how to turn on most of their features. Ask to see everything before you drive away.</p>
<p>If you really want a bargain for <a href="http://www.rayskillmanford.com/section/secondary/indianapolis-used-car-dealers/" target="_blank">used cars in Indianapolis</a>, try to wait until the end of the year. This is usually in September or October, when they need to move cars off the lot. Do not underestimate the dangers of dealing with a salesperson. Some incredible deals go down because the only thing the customer was paying attention to was the person giving the sales pitch.</p>
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		<title>How to Make a Dynamic Corporate Video</title>
		<link>http://www.jlangvad.com/2013/06/17/how-to-make-a-dynamic-corporate-video/</link>
		<comments>http://www.jlangvad.com/2013/06/17/how-to-make-a-dynamic-corporate-video/#comments</comments>
		<pubDate>Mon, 17 Jun 2013 02:50:25 +0000</pubDate>
		<dc:creator>Athrun Depp</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=110</guid>
		<description><![CDATA[When making corporate video production in New York, your primary goal is to convey your message in a professional way. It could be difficult at times to find dynamic and engaging corporate videos, though. Corporate video productions are made not only for entertainment, as you still need to make it interesting for your audience. Finding [...]]]></description>
				<content:encoded><![CDATA[<p><img class="size-medium wp-image-112 alignright" alt="" src="http://www.jlangvad.com/wp-content/uploads/2013/06/video-productions-300x240.jpg" width="300" height="240" />When making <a href="http://www.mvpa.com/" target="_blank" rel="nofollow">corporate video production in New York</a>, your primary goal is to convey your message in a professional way. It could be difficult at times to find dynamic and engaging corporate videos, though. Corporate video productions are made not only for entertainment, as you still need to make it interesting for your audience.</p>
<p>Finding a middle ground between videos suitable for the management and videos interesting for the viewers can be tough but not impossible. So how do you make corporate videos interesting and appropriate?</p>
<p><strong>Beginning and Ending</strong></p>
<p>Make the beginnings and introductions interesting to engage your audience. You can tone down the excitement at the middle to keep an appropriate pace. Focus on the ending. Remember, the message you give out at the end will be your viewers’ take away after watching. Try to make the end thought of your video memorable and intriguing.</p>
<p><strong>The Running Time</strong></p>
<p>The length of the video is important in <a href="http://en.wikipedia.org/wiki/Video_production" target="_blank" rel="nofollow">corporate video production</a>. Lengthy videos run the risk of losing audience interest in the middle. Also, they use up valuable business hours both for production and viewing.</p>
<p><strong>The Pace</strong></p>
<p>Change the pacing of your video every two minutes. Varied energy makes for engaging videos. This can draw out enthusiasm from your viewers. Introduce some emotions in the film to draw out enthusiasm from your viewers. Try to keep this at a minimum, though. Segments that are too emotional can lead to your message getting lost in the theatrics.</p>
<p>Be creative and play around with different corporate video production elements such as transitions, editing, and music. Acknowledge partner companies, clients and sponsors through creative product and logo placements. This will make your management happy without sacrificing your content and audience.</p>
<p>Remember that your video production will be instrumental in making your brand more recognized. Use it to its full potential and make sure that both your business and your clients can benefit from it.</p>
<p>For more information visit <a href="http://video-productions.com/" target="_blank">video-productions.com</a>.</p>
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		<title>Controversy Surrounding Over The Counter Sales Of Emergency Prophylactics</title>
		<link>http://www.jlangvad.com/2013/06/14/controversy-surrounding-over-the-counter-sales-of-emergency-prophylactics/</link>
		<comments>http://www.jlangvad.com/2013/06/14/controversy-surrounding-over-the-counter-sales-of-emergency-prophylactics/#comments</comments>
		<pubDate>Fri, 14 Jun 2013 07:49:36 +0000</pubDate>
		<dc:creator>Dorothy Burroughs</dc:creator>
				<category><![CDATA[The Daily Adviser]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=78</guid>
		<description><![CDATA[Over the counter sales of emergency contraceptives is on the horizon. But still, the final implementation might take some more time. The move is a major step in women’s reproductive rights. Several doctor’s groups have welcomed this step. They say it protects the health of patients who are sexually active. Conservatives are not too happy [...]]]></description>
				<content:encoded><![CDATA[<p>Over the counter sales of emergency contraceptives is on the horizon. But still, the final implementation might take some more time. The move is a major step in women’s reproductive rights. Several doctor’s groups have welcomed this step. They say it protects the health of patients who are sexually active. Conservatives are not too happy opining that it undermines parental supervision.</p>
<p>All important court ruling determining the case.</p>
<p>There was a court ruling in April which mandated the sale of all morning-after contraceptive pills to all age groups. The current age restriction is 17. This ruling also aimed at providing unrestricted access to all brands and not just the Plan B One-Step.</p>
<p>The Obama administration suddenly decided to change course fearing more court case losses after a string of such losses in the recent past. Some version was to be sold over the counter and the FDA zeroed in on the Plan B One-step.</p>
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		<title>Travelling and Eating in Style</title>
		<link>http://www.jlangvad.com/2013/06/13/travelling-and-eating-in-style/</link>
		<comments>http://www.jlangvad.com/2013/06/13/travelling-and-eating-in-style/#comments</comments>
		<pubDate>Thu, 13 Jun 2013 04:30:00 +0000</pubDate>
		<dc:creator>Dorothy Burroughs</dc:creator>
				<category><![CDATA[The Daily Adviser]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=71</guid>
		<description><![CDATA[Who says that living on the road is not exciting? Most Australians will most likely disagree, as motorhomes are available to provide a comfortable living space and the necessary conveniences found in a home. For example, you can still eat, cook, and store your favourite food items even when travelling. The kitchen is among the [...]]]></description>
				<content:encoded><![CDATA[<p>Who says that living on the road is not exciting? Most Australians will most likely disagree, as motorhomes are available to provide a comfortable living space and the necessary conveniences found in a home. For example, you can still eat, cook, and store your favourite food items even when travelling.</p>
<p>The kitchen is among the most important areas of a motorhome. It assures that the family can eat delicious and nutritious food even on the go. All they have to do is buy food supplies and <a href="http://en.wikipedia.org/wiki/Travel_trailer" target="_blank" rel="nofollow">RV kitchen accessories</a>.</p>
<p>Here are some <a href="http://experiencecaravanningandcamping.com.au/" target="_blank" rel="nofollow">caravan parts</a> to enhance your kitchen.</p>
<p><strong>Gas Stove</strong></p>
<p>Show your culinary skills and flexibility by cooking dishes that will satisfy the stomach. This appliance can help you prepare food items for the family, making them fully charged for the day ahead. Depending on the material, it needs natural gas, butane, propane, or liquefied petroleum gas as a fuel source.</p>
<p><strong>Oven</strong></p>
<p>Nowadays, many ovens are built-in under the gas stove to save space. It is ideal for reheating and baking food items. For example, you can make a pizza if you are craving for Italian food. It is also ideal for baking cookies and other sweet treats for children.</p>
<p><strong>Grill</strong></p>
<p>Do you always crave for meat? A gas stove with a built-in grill or a stainless steel mini grill can be beneficial. These allow you to cook hamburger patties, pork, beef, or chicken. In addition, you can do it indoors in case the weather is not ideal for a barbecue.</p>
<p><strong>Refrigerator</strong></p>
<p>This can keep perishable goods, drinks, and other food items in high temperature. In fact, some models have freezers to prevent items from spoiling. This is ideal when travelling on a hot weather, as cold beverages can keep you refreshed and hydrated.</p>
<p>Do not let travelling ruin the joy of eating. Visit places with a satisfied stomach by installing <a href="http://www.motocorv.com.au/store/motorhome-and-caravan-parts-store/kitchen?limit=all" target="_blank">caravan spares</a> for your kitchen area.</p>
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		<title>Kick-start Your Day Right while Driving to Work</title>
		<link>http://www.jlangvad.com/2013/06/13/kick-start-your-day-right-while-driving-to-work/</link>
		<comments>http://www.jlangvad.com/2013/06/13/kick-start-your-day-right-while-driving-to-work/#comments</comments>
		<pubDate>Thu, 13 Jun 2013 03:15:08 +0000</pubDate>
		<dc:creator>Athrun Depp</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=61</guid>
		<description><![CDATA[Driving to work is perhaps one of the most mundane things you have to go through practically every day. Partly because of traffic congestion, parking tickets, and the morning rush, many people don’t find this task particularly exciting. They’d rather ride public transportation than bring their own car to work; the experience is not worth [...]]]></description>
				<content:encoded><![CDATA[<p>Driving to work is perhaps one of the most mundane things you have to go through practically every day. Partly because of traffic congestion, parking tickets, and the morning rush, many people don’t find this task particularly exciting. They’d rather ride public transportation than bring their own car to work; the experience is not worth it. You, on the other hand, don’t have to suffer the same fate. Put your best foot forward with these driving tips.</p>
<p><strong>Anticipate</strong><br />
Hurrying to work is never the ideal way to start your day. Expect that everyone else will be rushing to get to work on time which may cause intense traffic congestion. It’s better if you would wake up early and go to work earlier than usual. Prepare the things you need the night before.</p>
<p><strong>Take the scenic route</strong><br />
Instead of trying to squeeze your way in a bustling city like Long Island, take the longer path. Drive along the greeneries in your area. It’s much healthier and it will boost your morale for the whole day. For good measure, use GPS to know which routes are better. Luxury cars like the new Lincoln MKR have built-in GPS. On Long Island, <a href="http://usnews.rankingsandreviews.com/cars-trucks/browse/lincoln/" target="_blank" rel="nofollow">Lincoln dealers</a> will make sure your vehicle has all the standard features like GPS, automatic climate control, and mobile Wi-Fi.</p>
<p><strong>Play your favorite music</strong><br />
Stuck in a traffic jam? Listen to your favorite artists and sing along with their songs. Pop a cd into your car’s cd player or plug in your iPod; nothing beats morning stress better than belting out your favorite tunes. While you’re at it, try singing along with choir music. A <a href="http://www.ncbi.nlm.nih.gov/pubmed/15669447" target="_blank" rel="nofollow">study</a> shows that choir singing positively influences your emotional state and even strengthens your immune system.</p>
<p><strong>Ride Luxuriously</strong><br />
Another way to kick-start your day is driving to work in style. You can choose from among the throngs of luxury cars in the market today. Lincoln vehicles, for example, are famous for their impressive interior features and sophisticated exteriors. Their latest model, the 2013 Lincoln MKX, boasts better brakes, steering, and adaptive suspension system than other luxury crossovers. You can ask any <a href="http://www.edmunds.com/lincoln/" target="_blank" rel="nofollow">Lincoln dealer in Huntington</a>, Suffolk County, New York for a test drive. Or, you can visit automobile websites like <a href="http://syossetlincoln.com/" target="_blank">syossetlincoln.com</a> for more information.</p>
<p>How you start your day is up to you. If you want a break from the humdrum routine, pay close attention to the menial tasks like driving to work. You’ll never know how much they can uplift your mood in an instant.</p>
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		<title>Tit-for-Tat: Employee Rewards to Boost Office Morale</title>
		<link>http://www.jlangvad.com/2013/06/11/tit-for-tat-employee-rewards-to-boost-office-morale/</link>
		<comments>http://www.jlangvad.com/2013/06/11/tit-for-tat-employee-rewards-to-boost-office-morale/#comments</comments>
		<pubDate>Tue, 11 Jun 2013 02:17:47 +0000</pubDate>
		<dc:creator>Dorothy Burroughs</dc:creator>
				<category><![CDATA[The Daily Adviser]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=57</guid>
		<description><![CDATA[Many people probably hated mowing the lawn or taking out the trash during their childhood years. When their parents offered money to do so, the chore became more appealing. This behavioural logic was the driving force that supported the employee incentive programs many companies use today. Incentive programs encourage employees to work harder and meet, [...]]]></description>
				<content:encoded><![CDATA[<p>Many people probably hated mowing the lawn or taking out the trash during their childhood years. When their parents offered money to do so, the chore became more appealing. This behavioural logic was the driving force that supported the <a href="http://en.wikipedia.org/wiki/Incentive_program" target="_blank" rel="nofollow">employee incentive programs</a> many companies use today.</p>
<p>Incentive programs encourage employees to work harder and meet, or even exceed, the tasks expected of them, in exchange for various rewards. The employee receives rewards for the hard work, productivity goes up, and profits go up, which makes the owner happy. This benefits both the workforce and the management.</p>
<p><strong>Recognition</strong></p>
<p><a href="http://www.corporaterewards.co.uk/create" target="_blank">Employee reward schemes</a> are rewards given to workers of a company based on a person’s or a team’s performance, usually those who exceed expectations. Incentives can come in the form of salary raises, commission payments, one-time bonuses, and in-kind materials such as gift cards and gadgets. There’s also the morale boost from being recognized for doing a great job. The whole organization will get to know who you are and what you have been doing for the company, which could encourage employees into putting in more effort.</p>
<p><strong>Healthy Competition</strong></p>
<p>Because of the reward, the workers will have more motivation to do their job. This creates a healthy competition among the staff as they strive to fight it out to get the prize. If the incentives are attractive enough, it can make everyone work harder. Also, if it’s a commission scheme, it can motivate the sales team to work harder, as a significant portion of their salary depends on performance incentives. They can even run a <a href="http://govleaders.org/employee_motivation.htm" target="_blank" rel="nofollow">customer loyalty programme</a> not only to boost sales, but also customer satisfaction.</p>
<p><strong>Employee Satisfaction</strong></p>
<p>Intelligently-designed reward programs can be a plus to companies looking to provide their employees with a conducive work environment. Lucrative rewards make it worthwhile for workers to stay in the company, even if they have a slightly better offer from other companies. The rewards program also make the personnel feel that their hard work is appreciated, thus reflecting well on their managers and the company as a whole.</p>
<p>Whatever strategic reward system your companies, be sure that it is encouraging the right behaviours and attitudes within the workplace.</p>
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		<title>Wall Removal Services: Where Removal Means Addition</title>
		<link>http://www.jlangvad.com/2013/06/10/wall-removal-services-where-removal-means-addition/</link>
		<comments>http://www.jlangvad.com/2013/06/10/wall-removal-services-where-removal-means-addition/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 05:59:08 +0000</pubDate>
		<dc:creator>Dorothy Burroughs</dc:creator>
				<category><![CDATA[The Daily Adviser]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=48</guid>
		<description><![CDATA[Making structural changes in your home can make significant improvements in its appearance, value and comfort features. Whether you’re merging two adjacent rooms or converting a garage into a more functional space, proper planning is important to get the job done right. Employing the right company to help you is important to achieve the results [...]]]></description>
				<content:encoded><![CDATA[<p>Making structural changes in your home can make significant improvements in its appearance, value and comfort features. Whether you’re merging two adjacent rooms or converting a garage into a more functional space, proper planning is important to get the job done right. Employing the right company to help you is important to achieve the results you’re looking for.</p>
<p><a href="http://homerenovations.about.com/od/houseexteriorframework/a/artremoveintwal.htm" target="_blank" rel="nofollow">Wall removal</a> is one of the many things you can do to improve your property. Many Australian homeowners prefer this type of home improvement project because it’s not too costly and easy to do. Here are some of the advantages of a <a href="http://www.ehow.com/way_5278264_wall-paneling-ideas.html" target="_blank" rel="nofollow">wall removal in Perth</a>.</p>
<p><strong>Adding More Space and Light</strong></p>
<p>Space is one of the major requirements for a comfortable home living. It’s great to live in a spacious house where you can move freely and stay organised. Removing a wall will free up some additional space you can use for different purposes. You can remove the wall of an adjacent room or kitchen to make your living area more spacious. Wall removal projects will also allow enough sunlight to enter a room. This will help you create a more vibrant and relaxing environment.</p>
<p><strong>Adding a Touch of Modernity</strong></p>
<p>Most traditional homes in Australia have small closed rooms to trap the heat during winter. As a result, many families stay in their dark and gloomy rooms. By removing a wall, you can use your creativity and add a sense of modernity to your home. This will allow you to enlarge a certain room and refurbish it with a more sophisticated design.</p>
<p><strong>Adding Value and Appeal</strong></p>
<p>Home improvement projects like wall removal can also increase your home’s value. This is a great benefit if you’re planning to sell it in the future. You can attract more potential buyers if your property looks spacious and appealing.</p>
<p>Removing a wall can make great improvements for your property. Plan your next project and get the right help you need. <a href="http://www.wawallremoval.com.au/" target="_blank">Visit this website</a> to find a reliable wall removal company in Perth.</p>
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		<title>Tiger Woods Tops Forbes’ List Of World’s 100 Highest-Paid Athletes</title>
		<link>http://www.jlangvad.com/2013/06/07/tiger-woods-tops-forbes-list-of-worlds-100-highest-paid-athletes/</link>
		<comments>http://www.jlangvad.com/2013/06/07/tiger-woods-tops-forbes-list-of-worlds-100-highest-paid-athletes/#comments</comments>
		<pubDate>Fri, 07 Jun 2013 06:31:59 +0000</pubDate>
		<dc:creator>Conrado Simon</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=42</guid>
		<description><![CDATA[After being knocked out by Floyd Mayweather Jr., in this year’s Sports Illustrated list of the 50 richest US athletes, Tiger Woods shoots a hole-in-one to come back to the top spot as he leads Forbes’ list of The World&#8217;s 100 Highest-Paid Athletes. The world’s #1 golfer, who’s been racking up trophies with six tournament [...]]]></description>
				<content:encoded><![CDATA[<p>After being knocked out by Floyd Mayweather Jr., in this year’s Sports Illustrated list of the 50 richest US athletes, Tiger Woods shoots a hole-in-one to come back to the top spot as he leads Forbes’ list of The World&#8217;s 100 Highest-Paid Athletes.</p>
<p>The world’s #1 golfer, who’s been racking up trophies with six tournament wins over the past year, has been the hottest golfer on the planet. His prize money has doubled and his off-course income is also up thanks to the bonuses and renewed confidence by Nike and Rolex, which helped him make a comeback to the top of the World Golf Rankings.</p>
<p>Woods’ earnings total to $78.1 million, with $13.1 million coming from his salary and winnings, and $65 million from endorsements.</p>
<p>Smashing his way to the number 2 spot is Roger Federer. The Swiss tennis player has the most impressive endorsement portfolios in the sporting world, with 10 sponsors that collectively pay him more than $40 million every year. Endorsements include long-term deals with Nike, Rolex, Wilson, Credit Suisse, and his newest endorser, champagne brand Moet &amp; Chandon.</p>
<p>Federer is widely perceived as the greatest tennis player ever, who holds the record for most singles Grand Slam wins with 17, and career prize money worth $77 million. His total earning amounts to $71.5 million: $6.5 million coming from his salary and winnings, and $65 million from endorsements.</p>
<p>Rounding out the Top 5 is Los Angeles Lakers guard Kobe Bryant ($61.9 million), Miami Heat forward LeBron James ($59.8 million), and New Orleans Saints quarterback Drew Brees ($51 million).</p>
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		<title>David Beckham Intends To Bring An MLS Team To Miami</title>
		<link>http://www.jlangvad.com/2013/06/05/david-beckham-intends-to-bring-an-mls-team-to-miami/</link>
		<comments>http://www.jlangvad.com/2013/06/05/david-beckham-intends-to-bring-an-mls-team-to-miami/#comments</comments>
		<pubDate>Wed, 05 Jun 2013 03:15:57 +0000</pubDate>
		<dc:creator>Chrisee Dela Paz</dc:creator>
				<category><![CDATA[Look at the "Stars!"]]></category>

		<guid isPermaLink="false">http://www.jlangvad.com/?p=32</guid>
		<description><![CDATA[Former England captain David Beckham steps up his interest in owning a new Major League Soccer (MLS) team. The Man for the Job Miami City is looking to get its hands on the newly retired superstar to help bring an MLS franchise back to town.As part of David Beckham’s deal to come to the Los [...]]]></description>
				<content:encoded><![CDATA[<p>Former England captain David Beckham steps up his interest in owning a new Major League Soccer (MLS) team.</p>
<p><strong>The Man for the Job</strong></p>
<p>Miami City is looking to get its hands on the newly retired superstar to help bring an MLS franchise back to town.As part of David Beckham’s deal to come to the Los Angeles Galaxy, the former England captain was given the option to create a new franchise after his playing days were finished.</p>
<p>Mayor Carlos Gimenez said in a statement that they’re ready and excited about the opportunity of having first-rate professional soccer back in Miami. He added that with the athletes from all over the world living in their community, Miami is aperfect market for MLS and David Beckham is the right person to make it happen.</p>
<p>The Miami Fusion closed shop in 2001 just after three years, leaving four professional sports teams situated in Miami.</p>
<p><strong>Looking for a Home</strong></p>
<p>In Miami today, David Beckham explored two potential homes for an MLS team, Sun Life Stadium, where the Miami Dolphins play, and Florida International University Stadium, which, Mayor Garcia said in a statement,was built for soccer.</p>
<p>After the announcement of his retirement from professional soccer, David Beckham never dismissed returning to the sport in a front-office capacity. And, incidentally, the 38-year-old athlete and model has been made the face of just about anything.</p>
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		<title>New Bill to Jumpstart Student Loan Refinancing</title>
		<link>http://www.jlangvad.com/2013/05/21/new-bill-to-jumpstart-student-loan-refinancing/</link>
		<comments>http://www.jlangvad.com/2013/05/21/new-bill-to-jumpstart-student-loan-refinancing/#comments</comments>
		<pubDate>Tue, 21 May 2013 05:04:48 +0000</pubDate>
		<dc:creator>Wileene Grace Olimpo</dc:creator>
				<category><![CDATA[Books, Pencil, Paper]]></category>

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		<description><![CDATA[The bill sponsored by Sen. Kirsten Gillibrand aims to force the U.S. Secretary of Education to automatically refinance government loans carrying interest rates over 4 percent into fixed 4-percent loans. Nine out of 10 backed loans would be affected, saving almost 37 million borrowers billions of dollars in annual interest payments. Borrowers with high interest [...]]]></description>
				<content:encoded><![CDATA[<p>The bill sponsored by Sen. Kirsten Gillibrand aims to force the U.S. Secretary of Education to automatically refinance government loans carrying interest rates over 4 percent into fixed 4-percent loans.</p>
<p>Nine out of 10 backed loans would be affected, saving almost 37 million borrowers billions of dollars in annual interest payments.</p>
<p>Borrowers with high interest rates on their student loans would refinance into cheaper loans under the proposed bill, in a plan to lower borrower’s burdens.</p>
<p>According to Gillibrand, “At a time when corporations, homeowners and even local governments are refinancing at historically low interest rates and saving millions of dollars, students and families who take out loans to pay for college are getting left behind.&#8221;</p>
<p>“Ensuring that our graduates are not saddled with unmanageable debt by keeping interest rates low is just common sense,&#8221; she added.</p>
<p>The proposed bill targets loans funded and owned by Department of Education through the Direct Loan program.</p>
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