It delivers these bits and bytes to a specified internet address rather than a telephone number. It’s easier to think of it as being like sending e-mail from one computer to another, but in real time and using voice instead of text. The technology that most likely runs your existing switchboard and phones is a traditional public switched telephone network (PSTN) service. VoIP’s advantage over this is its ability to combine several services, such as voice mail, video, e-mail and conferencing. This instantly increases your ability to collaborate and can result in higher productivity.You’ve probably used VoIP services without even realizing it. Every time you’ve used an instant messenger program to initiate a voice conversation or sent a voice mail, you’ve used this cutting-edge technology.But how can this benefit your company? Well, for starters, it’s likely to lead to lower phone bills. And it could reduce the need to travel, too. If you have branch offices, they can be connected either through a dedicated lease line or virtual private network (VPN). Since all calls routed over the internet, irrespective of the network, are free, this leads to significant savings over existing voice services for inter-company communications and makes use of any under-utilised network capacity that you’re paying for.VoIP technology is not new, but some work may be needed before it achieves the reliability of traditional phone systems. Dealing with lots of hardware and service providers as well as handling technology considerations like the integration of VoIP networks with traditional phone systems may sound intimidating. However, with a little help, you will realize that the products on offer are easy to use.Key requirements in the move to VoIP remain lower costs, abundance of choices, bundled services, high quality, reliability and availability. Most of these issues have already been addressed by VoIP service providers. And if you let them help you implement VoIP services correctly, it can lead to significant savings.
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Student loans are a helpful accessory when you need to cover costs when deciding to further your education, including housing and tuition. Student loans are there to be financial lifesavers when grants or scholarships leave your school funding a little short. There are federal loans available as well as private student loans that will help with the financial overload. Loan consolidation is another helpful tool when borrowed loans are at the repayment period and you are feeling overwhelmed.Federally funded student loans can be applied for online. FAFSA is an online free application for federal student aid. This program is available for both students and parents looking to apply for financial help. The application has seven steps that will ask you questions regarding your personal information, your school and plans, and financial information. The Federal Parent Loan for Undergraduate Students, or PLUS, is a loan program that relies on a good credit rating in exchange for helping with the financial needs of your student. This low interest rate program will help cover not only tuition costs, but also housing, books, and supplies. This student loan can be applied for online or through the mail.Private student loans are loans that are not offered through the federal government. They are available through banks or other financial institutions. This type of loan is offered to both undergraduates and graduates and it helps to cover school expenses when federal student aid does not cover your those leftover expenses. Private student loan applications can be found online and you are subject to a credit review by the potential lender. Your own credit or your parent’s credit is open for review and a co-signer may be needed if either credit rating is not approved for the loan. Obtain an application for your private student loan through your lender of choice or their online website, if applicable.Student loan consolidation becomes your best friend when the repayment period of your student loans becomes overwhelming. Loan consolidation will give you a break and put your various loans into one low monthly payment instead of various repayment dates with different amounts to pay for each loan. The Sallie Mae foundation is an excellent example of a loan consolidation program. All you have to do is visit their website and you have the option of downloading the application and sending it through the mail or filling it out online and applying for it right that second. It is a simple way to achieve student loan consolidation and it will give you the well-deserved sigh of relief and piece of mind.copyright 2005, 4th Media Corporation.
Smart college students and grad students know how to any number of impressive things, like write a sonnet, understand complex physics equations, or speak Old Norse. However, no matter how wise they have become while receiving their higher education, many college graduates remain puzzled as to how to get a handle on their student loan payments.Why Repayment Is So ChallengingMost individual student loan programs have repayment schedules of up to 10 years. This relatively short repayment schedule squeezes into a relatively short period of time payments for what can amount to tens or hundreds of thousands of dollars in loan debt. The result: very high – and sometimes unmanageable – monthly payments.Students are particularly challenged in repaying their loans given the current state of the world economy. Jobs are more scarce than usual in many sectors – even for these well-educated grads. And, with living expenses showing no relief in sight, managing those regular loan payments is very challenging.What can compound the problem is when students have multiple loans with different lenders. Holding multiple loans means having different payment due dates each month. It also means paying different interest rates on the various loans, while at the same time having different repayment schedules. This situation makes it hard to plan for one’s financial future.Defining A Consolidation LoanA consolidation loan for students is a single loan that one uses to repay all existing, outstanding student loans. The new loan results in the borrower having to make only one payment each month – rather than 2, 3 or more as before. Also, consolidation loans allow for longer repayment periods of up to 30 years. This drives the total monthly payment amount down as compared to before consolidation.Federal Versus Private Consolidation LoansThe rules and terms for federal consolidation loans and private consolidation loans are a bit different. Under the federal consolidation loan program, the new loan will always have a fixed rate. The loan will be contracted with a government-approved financial institution. The bank rate for a federal consolidation student loan is calculated as the weighted average of the person’s existing loans, rounded up to the nearest 0.125% (with a cap of 8.25%).Meanwhile, private student loans work a bit differently. These loans will be contracted via any number of private student loan consolidation firms competing in the market today. Unlike with the federal programs, the rate for these loans is calculated based upon the borrower’s credit score. The final rate offered is a function of the person’s credit score and the LIBOR or prime index (depending upon the lender).Tips On Getting Good Bank Rates On A Consolidation LoanIf you are going for a private consolidation loan, here are some tips for getting yourself the best rate:1. Contact Multiple Lenders: As with anything else in life or business, the more choices you have, the better your chances of finding the best-possible situation. Find at least 5 private student loan consolidation vendors online.2. Compare Rates And Offers: Apply for loans from each of the lenders. You may be surprised to see that the various offers may vary significantly in their terms and rates. Good for you – this means more choices.3. Select Best Overall Offer: Of course, you will want to select the best offer. Be sure to look not just at the interest rate, but at the other terms such as whether it is a variable or a fixed rate, as well as your repayment schedule options. You want the loan that keeps your payments as low as possible, while at the same time does not cost you too much in interest payments over the life of the loan.Do your research on bank rates on a consolidation loan and you will be rewarded with a money-saving loan offer that can save you thousands over the life of the loan.
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These days, a college education is one of the best ways to get a high-paying job and further your career. But with the skyrocketing cost of higher education, many students have to take out student loans to pay for college.By the time you graduate, you may have multiple loans to pay off. Refinance may be your best option, in which case you will have to find the best consolidation rates to make your monthly payment a lot easier.By consolidating your loans, you will be able to get a single loan and pay off your individual loans. You will end up making only one payment each month.By getting the best rate for the consolidation of your student loans, you should be able to lower your interest and monthly payments. You should also be able to increase the term of the loan, further reducing the monthly repayment amount. This is a great boon especially if you are just starting out with your career and your income is low.If you were able to obtain federal student loans, you may be able to apply for a government student consolidation loan. The rate for a government loan is typically lower than the rates offered by private lenders.If you obtained your loans from private lenders, you will have to refinance and consolidate your them with a private lending institution. Be sure to get the lowest consolidation rates to reduce your payments.Two types of loan consolidations are offered by lenders. With the fixed-rate type, your monthly repayments will remain the same until the loan is paid off. The term of the loan is typically 10 to 30 years.A flexible or graduated loan allows you to make lower payments at the beginning. The amount increases over the term of the loan. Compare the different options available, including the interest rate and term of the loan. Try to negotiate for a loan that is affordable in terms of monthly and total payment.It’s also a good idea to find out your credit rating before you look around for a lender. Knowing your credit rating may give you more leverage or provide you with a realistic idea of what your consolidation rate will be.It is important to find a good rate for your student loan consolidation. Shop around and search online for the best available rates. You could be paying for your student loan for many years, so it is vital to get the best deal possible.
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The best way to reduce your monthly payments for all your student loans is to apply for a private student loan consolidation. Combining all these private loans will help you lessen your worries and stress of multiple obligations in payment numerous bills.It will help you manage your funds effectively because it will make the interest rate lower once you consolidate your loans. For instance, the interest rate of one of the loans you applied is 6.8% payable in 15 years but once you consolidate everything in one private loan, it will extend its terms to 25 years with the same rate of 6.8%.Below is a list of benefits of the private student loan consolidation:-Your monthly payments will be reduced. Getting a consolidation will help you extend the payment terms.-It will lessen the interest rates. Once you established a good credit line, most of the time you will be offered reduced interest rates.-You may be granted lower annual percentage of rate loans if you apply as an individual or with a co-signer who is credit worthy.-Postponement for 48 months for dental and medical residents, and 36 months for any military personnel who are active in the service.-For borrowers who are still undergraduates, they may be granted up to 25 years payment term and for those who already graduated they may be given up to 30 years payment term.-Should you make a payments in an amount greater than what is due, the extra money will go straight to paying down the principal.On the other hand, below is the list of things you should know before you apply for private student loan consolidation.-Usually, it will take 45 days for the entire process of private loan consolidation. Although, this is depending on the completeness of documents you submitted, such as expenses, income and information about all of your student loans.-Your school need not to be involved in your loan consolidation.-While you are still finalizing the process of the consolidation, you have to continue paying your monthly dues on time. This will show that you still have a good credit standing.-There’s a minimum amount that can be borrowed, which is a combination of all the student loans of around $5,000 or higher. On the other hand, there’s also a maximum amount that can be borrowed. Most of the time, the figure will depend on the lender’s policies. Contact your lender for detailed information and clarifications.
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If you own your home you know that part of home ownership means dealing with a mortgage. Depending on when you got into the real estate market, you may or may not have gotten a good deal on both the amortization period and the interest rate. Something else to consider is that as the economy changes, so generally will mortgage laws and you may be wondering whether or not a mortgage refinance is in your future.Something to consider here of course is whether or not it is actually a good idea at the present time. Typically, if you have a history of paying on time, you’re not only likely to get a good mortgage refinance option, you will be able to better use it to your advantage and make the money that you save work for you.However, if you have troubles paying the mortgage you have now, then odds are you won’t get it and you may not even want to consider trying to negotiate forth. You may want to wait a little longer and get your payment history back on track. This does not mean that mortgage refinance is something that is always a good idea, and yet neither is it a bad idea. The key thing to think about here is that it is truly dependent upon your financial and payment history as well as your plans for the future.One last thing to consider is that you need to ensure that what you are offered, is better than what you already have in terms of payments. If it is not, then you certainly wouldn’t want to take the offer.