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How to Invest in Education

The cost of college is very high and only growing larger. Some educational pursuits can cost up to $160,000 over four years, with the resulting student debt lasting for decades to come. Scholarships have always been the theoretical answer to this, with accomplished students and their parents thinking they can circumvent the high cost with good grades and high test scores. But the reality is, these numbers often need to be significantly higher than expected.


That’s where tutoring comes in, but not in a common way. Traditional tutors help students understand concepts they are struggling with in school or assist in catching someone up. But advanced tutors help prepare students for important standardized tests such as the ACT or SAT.  These instructors have the explicit goal of raising a test score by a number of defined points, which might be 3 points on the ACT or 20 points on the SAT. These increases directly correlate to college savings, with most academic institutions offering tuitions reductions based on GPAs and test scores.  The cost, however, is what makes tutoring the investment. Multiple tutoring sessions are required to help a student become comfortable with the test and become proficient in the different subjects.  According to Mackler Associates, these sessions might cumulatively cost around $2000, but the resulting savings could be close to $40,000. Which is, without question, a great return on investment.

Welcome to Only the News

For a history of online news, an early example of an “online only” newspaper or magazine was (PLATO) News Report, an online newspaper created by Bruce Parrello in 1974 on the PLATO system at the University of Illinois.[6] Beginning in 1987, the Brazilian newspaper Jornaldodia ran on the state-owned Embratel network, moving to the internet in the 1990s. By the late 1990s, hundreds of U.S. newspapers were publishing online versions, but did not yet offer much interactivity.[7] One example is Britain’s Weekend City Press Review, which provided a weekly news summary online beginning in 1995. Today, online news has become a huge part of society which leads people to argue whether or not it is good for society. Austra Taylor author of the popular book The Peoples Platform argues that online news does not provide the detail needed to fully understand what actually happened. It is more just a fast summary to inform people what happened, but does not give a solution or fixation to the problem.

Liberty Lending Consultants Inc. Offers Home Financing Advice

Saint Louis, MO – Liberty Lending Consultants Inc. would like to offer advanced home financing advice for potential first time buyers. Financing a home can be a difficult task and Liberty Lending is here to help.
Liberty Lending Consultants advises that potential buyers determine how much they need to borrow as well as how much they are able to borrow. Determining that maximum amount depends on a couple of key questions. Most importantly, how much of a monthly payment can the potential buyer afford? This amount is often determined by the customer’s current monthly income. Additionally, the customer must consider the amount that a lender is able to lend them, based on previous credit, employment history, goal, income, and debt.  A Missouri USDA loan might include low payments while a St. Louis VA loan might not have a down payment.
After gathering all of the necessary information, Liberty Lending suggests selecting a financial advisor to review everything with great detail. Once the financial advisor clears all of the relevant information, they will be able to pre-qualify the potential buyer. Being pre-qualified makes it easier for any seller to know that the buyer is serious about purchasing new property.

Getting pre-qualified means it’s time for the buyer to apply for financial assistance. Liberty Lending suggests selecting financial advisors that will make sure the application for financial assistance is error-free. After applying, financial advisors will contact the necessary parties to order an appraisal of the home in question.

After completing all of this work Liberty Lending suggests the buyer’s realtor and property seller find an escrow/title company to handle funding. From there, the buyer’s financial advisors can work with all of the appropriate parties to make sure everything is in order. Once the potential buyer signs the papers, they can focus on really making that new house a home.