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Do we have a student loan or college quality crisis?

first_imgStudent lending is having an increasingly large impact on your credit union whether or not it provides private student loans.  First,   With student debt now surpassing $1 trillion it is one of the factors explaining why millennials haven’t helped prime   the economy by buying that first home.   And, Of course, if your credit union is one of the increasing numbers of institutions    that has jumped into the private student loan market in recent years, you know firsthand about the opportunities and challenges posed by this market.  A report recently issued by the Brookings Institute has both operational implications for those of you making these loans and provides further evidence for those of us who believe that the cost of college is one of the key policy issues facing this nation. To be clear the research dealt with government guaranteed student loans but I’m assuming that many of its conclusions are applicable to the private student loan market.So what did these researchers find? That increasing student loan default and delinquency “are largely due to increases in” the number of borrowers taking out loans to attend for-profit colleges and two-year community colleges.   These nontraditional borrowers “were disproportionately older, independent of their parents, from lower-income families, and living in more disadvantaged areas.”   Why do these conclusions matter? From an operational standpoint they underscore just how important it is to take the quality of the institutions your members are attending into account when establishing student loan policies.  On a policy level, it’s possible that we have as much of a college quality crisis as we do a student loan problem. continue reading » 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Ten health mistakes that everyone makes

first_img 130 Views   no discussions HealthLifestyle Ten health mistakes that everyone makes by: – July 27, 2012 Share Share Tweetcenter_img Sharing is caring! Share Photo credit: odaprojesi.orgHow is our health affected by our everyday routines?Driving with the windows down, forgetting to floss, and over-exercising can have more serious consequences than you may think, and just a few simple changes to your daily routine could potentially save your life. Here are ten of the most common health mistakes that everyone makes:Health mistake 1: Driving with the windows downWe feel pretty content cruising up the motorway with the wind blowing through our hair on a warm day, but we never spare a thought for our poor lungs as we breathe in the harmful pollutants emitted by cars. A study from the University of Southern California has found that spending a mere six percent of our day driving in the car with the windows down exposes us to around 45 percent of the pollutants that we encounter in 24 hours – that’s a lot of pollutants to come into contact with in such a short amount of time. In cities, driving with the windows down poses an even higher threat to your health. Instead of winding the windows down during a traffic-ridden commute, try letting some fresh air in before you start your journey and save having the wind blowing through your hair for your voyage through the countryside.Health mistake 2: Carrying a heavy handbagYou’ve packed your makeup, baby wipes, phone, purse and keys. And your camera too (were you planning on taking pictures of anything interesting during your trip to the chemist?) Oh, good to see you brought the old batteries from the remote – never know when you might need them. Those broken headphones could come in handy – thank goodness they found their way in there too. Erm, ladies (and gentleman, if you’re quite partial to carrying a ‘manbag’) do you really need all this stuff? Surely these ‘essentials’ could be cut down a bit? Lugging a heavy load around can really take its toll on your health by causing back spasms, disc degeneration, neck problems, arthritis, and poor posture. Spring clean your handbags and manbags, and possibly consider trading them in for a smaller version.Health mistake 3: Spending too long exercising It’s pretty common to think that the more time we spend on the exercise bike, the better. The truth is, too much of a good thing can be counterproductive and that goes for exercise too. Working your body too hard can lead to abnormal hormonal changes (which can trigger weight gain), a weaker immune system, muscle damage, shin splints, and knee, foot, or back problems. Whilst it’s important to reap the benefits of exercise for a healthy lifestyle, don’t go overboard; expecting abs like Arnold Schwarzenegger on week two of your workout routine isn’t going to happen and it isn’t going to be healthy.Health mistake 4: Scrimping on sleepYou’ve crammed everything you can possibly fit into twenty four hours and more, when suddenly you look at the clock and it’s way past the time you hoped to go to bed and closer to the time you need to get up for work. Scientific research has proven that we look less attractive when we’ve had little sleep, but droopy eyelids and pasty skin are the least of our worries when it comes to our habit of scrimping on sleep. No matter how healthy you are, how much you exercise, or how much you weigh, getting too little shut-eye can seriously affect your health. Scientists studied 5,600 people of a healthy weight and size for three years and found those who skipped sleep quadrupled their risk of stroke and heart disease. Fix a specific time to go to bed and stick to it. Health mistake 5: Avoiding the scalesIn many households across the world, the scales are the one piece of equipment gathering more dust than the treadmill. A common way to gloss over our weight problems is to avoid going on the scales altogether; we go by the mantra “If I don’t see that I’ve gained weight, then I don’t have to believe it”. If you feel like you’ve gained weight, it’s best to face the facts to see how much you’ve gained so you can do something about it before it gets out of hand. Everyone’s weight naturally fluctuates so don’t panic if you’ve gained a couple of pounds here and there, but if you gain more than five pounds, you should probably reign in your eating habits. Checking your weight on a regular basis allows you to nip it in the bud if you discover a weight problem – losing the odd few pounds is much easier than trying to shed a stone.Health mistake 6: Silent worrying You worry about the meeting at work, you worry about putting the bins out, you worry that you might forget to feed the cat, and it’s really getting you down. Whilst stress can be positive in helping to keep you alert and avoid danger, too much of it can be detrimental to your health. Endless worrying eventually leads to distress which causes headaches, high blood pressure, an upset stomach, chest pain, and sleep deprivation. Whilst it’s natural to worry when you have a deadline looming, panicking too much about petty things needs to be sorted. When you’re worrying, ask yourself a few simple questions and answer them as honestly as you can. Will you still be worrying about this in a couple of week’s time? Can this problem be easily resolved? If you can’t let it go, tackle the problem head on until it is resolved. If you can learn how to control your worrying, you’re well on your way to a happier, healthier lifestyle.Health mistake 7: Stopping medicines suddenlyMost of us are guilty of this one; we’re feeling much better and stop taking our medication, but suddenly end up feeling a whole lot worse. How often do you consider the health risks of this? Depending on the medicine you are taking, going ‘cold turkey’ can cause all sorts of health risks which range from mild, to moderate, or serious. Discontinuing your medicine suddenly can cause mild headaches, rapid return of the illness that you were treating, and seizures, to name only a few. Abruptly stopping certain medications can be life threatening, so keep taking it until your doctor tells you to stop, and when you do get the ‘all clear’ take medical advice when you’re discontinuing them.Health mistake 8: Forgetting to flossFlossing is a key component when it comes to oral hygiene, but it’s a step that many of us skip because we don’t feel much different whether we floss or not. It’s worth changing your routine though, because plaque between the teeth can be more serious than you may think. If the bacteria finds its way into the blood stream it can cause chronic inflammation and increase the risk of heart disease, stroke, cancer, and premature birth. The cosmetic implications of not flossing are another obvious concern; unless you would like to lose all your teeth in favour of some rapper-style gold ones, it’s recommended that you floss at least once a day to stop your pearly whites from being weakened by plaque and eventually falling out. It looks like we need to start brushing up (get it?) on our dental hygiene routines for the good of our health.Health mistake 9: Skipping breakfastSkipping your breakfast and then continuing with your day is like trying to drive your car with a very low tank of fuel – it will feel fine to start with but eventually slow down and cut out. Not only will you feel less active and sluggish, skipping breakfast – whether it is due to lack of time or fear of putting on weight – is linked with a higher risk of diabetes and can lead to obesity as your body stores up more fat to use as fuel throughout the rest of the day. Eat breakfast to feel happier, more functional and, most of all, healthy.Health mistake 10: Drinking water from the warm tap“Throw salt over your left shoulder”, “say ‘white rabbits’ at the start of each month”, “never drink water from the warm tap” – you’d be forgiven for thinking that the latter statement was an old wives’ tale like the others, but scientists suggest that drinking water from the warm tap could cause lead poisoning. Lead can enter some water systems – normally homes that were built before 1930 – from corroded plumbing work, but drinking high levels of it can have potential health risks, particularly in children where it can lead to brain damage. Although scientists emphasise that the risks of lead poisoning are small, it’s recommended that you use the cold tap for preparing baby formula, drinking, and cooking.Real Buzzlast_img read more

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Duterte ‘okay’ after motorcycle mishap

first_imgPresident Rodrigo Duterte is seen riding a scooter of Sen. Bong Go Thursday night at Bahay Pagbabago. SEN. BONG GO “Rider naman po si PangulongDuterte so sanay po yan pero at hisage dapat alalay na po. Kaya lang umiiralyung hilig niya sa motor kaya di maiwasan,” Go said. Despite complaints of hip pains, the 74-yearold Duterte has not consulted with a doctor since the accident. Duterte was reaching for his shoe whenhe fell off the parked motorcycle resulting in “light bruises and slightscratches,” Presidential Spokesman Salvador Panelo said. Duterte fell off his 650 cc dirt bikelate Wednesday after he made a sharp turn, landing on his left elbow, Go said. “Siyempreworried po kami kaya lang sabi niya,‘Okay lang ako. Do not worry, I’mokay’,” Go told reporters. MANILA – President Rodrigo Duterte is“okay” after figuring in a “motorcycle accident” in the Malacañang compound,according to his former Special Assistant, Sen. Christopher “Bong” Go, whowitnessed the incident. The President was trying out motorcycleswhen he bumped into an “obstruction” on his way out of a garage in thecompound, Presidential Security Group commander Brigadier General Jose Niembrasaid. As of Thursday morning, Duterte isresting at Bahay ng Pagbabago in Malacañang, Go said. (ABS-CBN News/PN)last_img read more

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