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What ‘affordable’ Tesla Model 3 means for buyers
What the ‘affordable’ Tesla Model 3 rollout means for car buyers Getty Images
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The top 10 tax havens for individuals in the world
 Shutterstock.com
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LOS ANGELES, CA - SEPTEMBER 15:  Republican presidential candidate Donald Trump speaks during a campaign rally aboard the USS Iowa on September 15, 2015 in Los Angeles, California. Donald Trump is campaigning in Los Angeles a day ahead of the CNN GOP debate that will be broadcast from the Ronald Reagan Presidential Library in Simi Valley.  (Photo by Justin Sullivan/Getty Images)  Getty Images
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 Shutterstock
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How did Kissinger get into Clinton-Sanders debate?
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Looks like time for bottom fishing in U.S. stocks

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A rare bit of good news about dementia
LLANDUDNO, WALES - SEPTEMBER 08:  Senior citizens walk along Llandudno Pier on September 8, 2014 in Llandudno, Wales. Britain is facing multiple problems stemming from an increase in the elderly proportion of its population, including increasing health care costs, strains on its social security system, a shortage of senior care workers and challenges to the employment market.  (Photo by Christopher Furlong/Getty Images)  Getty Images

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Burger King’s hot dog plan is so crazy it could work
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Rolling eyes are the most popular of the new iOs emojis for iPhone users.

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Economists increasingly see Fed hands as tied
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CEO Jamie Dimon’s $26 million bet on J.P. Morgan
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College freshmen are most liberal since Vietnam
/conga/frontpage.html 367873

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Student Loans Sink Mom and Dad

A growing number of middle-aged Americans are struggling with student-loan debt – not all of it from their college days.

Gina Smith / Shutterstock.com

While borrowers over 40 account for about a third of the nation’s $900 billion in student debt, they appear to be struggling with their loan payments more than other age groups, according to a report today in the Wall Street Journal. For example, the delinquency rate — the percentage of debt on which a payment has not been made for 90 days – for Americans aged 40 to 49 was 11.9% in March, compared to 8.7% for borrowers of all ages.

Expert say many of those borrowers over 40 are still paying off balances from their college years. But a growing number of parents are saddled with student loans they took out to pay tuition for their kids. Roughly 17% of parents whose children graduated from college this past spring held federal Parent PLUS loans. That’s up from about 10% a decade prior, and less than 6% in 1993, according to FinAid.org.

The average balance on these loans: nearly $34,000, up 123% from a decade ago.

Meanwhile, more private lenders are demanding parent cosigners on their student loans. Because most students don’t have a credit history, lenders say they turn to their parents’ credit to determine whether to approve them, and at what terms. Both the parent’s and the student’s name appear on the loan, and the lender expects payment from either party. Missed payments will impact both borrowers’ credit scores. And if the student can’t pay, the parent is still on the hook for the payments.

Since the financial downturn, more than 90% of college loans from private lenders have co-signers, says Mark Kantrowitz, publisher of FinAid.org, which tracks financial aid and student loans. That’s up from roughly 50% prior to 2008.

The ballooning of student loan debt for older Americans highlights a key downside to student loans, say consumer advocates: There’s no way out. Unlike all consumer loans, federal and private student loans cannot be wiped out after bankruptcy.

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    • By WebOsPublisher

      Checked for Viruses,Trojans,Adware and Spyware.
      Kaspersky Anti-Virus complete report of desktop-building-icons.zip (Desktop Building Icons)
      Desktop Tuning : Icons Packs
      Full AVP’s Desktop Building Icons reportExact InfoTutorialImagesAwardsSecurityCompanyShopOpinionsPermissionsDownloaderUpdates
      Objects to scan:
      “desktop-building-icons.zip” Enable=Yes Recursive=No
      ——————Scan_Objects$626252 running 50%
      desktop-building-icons.zip archive ZIP
      desktop-building-icons.zip//readme.txt – OK
      desktop-building-icons.zip//Help.chm archive CHM
      desktop-building-icons.zip//Help.chm//aha.css – OK
      desktop-building-icons.zip//Help.chm//all-disabled.png – OK
      desktop-building-icons.zip//Help.chm//all-hot.png – OK
      desktop-building-icons.zip//Help.chm//all-normal.png – OK
      desktop-building-icons.zip//Help.chm//design.htm – OK
      desktop-building-icons.zip//Help.chm//desktop-building-example.png – OK
      desktop-building-icons.zip//Help.chm//gt.gif – OK
      desktop-building-icons.zip//Help.chm//license.htm – OK
      desktop-building-icons.zip//Help.chm//Table of Contents.hhc – OK
      desktop-building-icons.zip//Help.chm//welcome.htm – OK
      desktop-building-icons.zip//Help.chm – OK
      desktop-building-icons.zip//index.url – OK
      desktop-building-icons.zip//all-disabled.png – OK
      desktop-building-icons.zip//all-hot.png – OK
      desktop-building-icons.zip//all-normal.png – OK
      desktop-building-icons.zip//normal/ico/Brick buildings.ico – OK
      desktop-building-icons.zip//normal/ico/Buildings.ico – OK
      desktop-building-icons.zip//normal/ico/Hotel.ico – OK
      desktop-building-icons.zip//normal/bmp/16×16/Brick buildings.bmp – OK
      desktop-building-icons.zip//normal/bmp/16×16/Buildings.bmp – OK
      desktop-building-icons.zip//normal/bmp/16×16/Hotel.bmp – OK
      desktop-building-icons.zip//normal/bmp/24×24/Brick buildings.bmp – OK
      desktop-building-icons.zip//normal/bmp/24×24/Buildings.bmp – OK
      desktop-building-icons.zip//normal/bmp/24×24/Hotel.bmp – OK
      desktop-building-icons.zip//normal/bmp/32×32/Brick buildings.bmp – OK
      desktop-building-icons.zip//normal/bmp/32×32/Buildings.bmp – OK
      desktop-building-icons.zip//normal/bmp/32×32/Hotel.bmp – OK
      desktop-building-icons.zip//normal/bmp/48×48/Brick buildings.bmp – OK
      desktop-building-icons.zip//normal/bmp/48×48/Buildings.bmp – OK
      desktop-building-icons.zip//normal/bmp/48×48/Hotel.bmp – OK
      desktop-building-icons.zip//normal/png/16×16/Brick buildings.png – OK
      desktop-building-icons.zip//normal/png/16×16/Buildings.png – OK
      desktop-building-icons.zip//normal/png/16×16/Hotel.png – OK
      desktop-building-icons.zip//normal/png/24×24/Brick buildings.png – OK
      desktop-building-icons.zip//normal/png/24×24/Buildings.png – OK
      desktop-building-icons.zip//normal/png/24×24/Hotel.png – OK
      desktop-building-icons.zip//normal/png/256×256/Brick buildings.png – OK
      desktop-building-icons.zip//normal/png/256×256/Buildings.png – OK
      desktop-building-icons.zip//normal/png/256×256/Hotel.png – OK
      desktop-building-icons.zip//normal/png/32×32/Brick buildings.png – OK
      desktop-building-icons.zip//normal/png/32×32/Buildings.png – OK
      desktop-building-icons.zip//normal/png/32×32/Hotel.png – OK
      desktop-building-icons.zip//normal/png/48×48/Brick buildings.png – OK
      desktop-building-icons.zip//normal/png/48×48/Buildings.png – OK
      desktop-building-icons.zip//normal/png/48×48/Hotel.png – OK
      desktop-building-icons.zip//hot/ico/Brick buildings.ico – OK
      desktop-building-icons.zip//hot/ico/Buildings.ico – OK
      desktop-building-icons.zip//hot/ico/Hotel.ico – OK
      desktop-building-icons.zip//hot/bmp/16×16/Brick buildings.bmp – OK
      desktop-building-icons.zip//hot/bmp/16×16/Buildings.bmp – OK
      desktop-building-icons.zip//hot/bmp/16×16/Hotel.bmp – OK
      desktop-building-icons.zip//hot/bmp/24×24/Brick buildings.bmp – OK
      desktop-building-icons.zip//hot/bmp/24×24/Buildings.bmp – OK
      desktop-building-icons.zip//hot/bmp/24×24/Hotel.bmp – OK
      desktop-building-icons.zip//hot/bmp/32×32/Brick buildings.bmp – OK
      desktop-building-icons.zip//hot/bmp/32×32/Buildings.bmp – OK
      desktop-building-icons.zip//hot/bmp/32×32/Hotel.bmp – OK
      desktop-building-icons.zip//hot/bmp/48×48/Brick buildings.bmp – OK
      desktop-building-icons.zip//hot/bmp/48×48/Buildings.bmp – OK
      desktop-building-icons.zip//hot/bmp/48×48/Hotel.bmp – OK
      desktop-building-icons.zip//hot/png/16×16/Brick buildings.png – OK
      desktop-building-icons.zip//hot/png/16×16/Buildings.png – OK
      desktop-building-icons.zip//hot/png/16×16/Hotel.png – OK
      desktop-building-icons.zip//hot/png/24×24/Brick buildings.png – OK
      desktop-building-icons.zip//hot/png/24×24/Buildings.png – OK
      desktop-building-icons.zip//hot/png/24×24/Hotel.png – OK
      desktop-building-icons.zip//hot/png/256×256/Brick buildings.png – OK
      desktop-building-icons.zip//hot/png/256×256/Buildings.png – OK
      desktop-building-icons.zip//hot/png/256×256/Hotel.png – OK
      desktop-building-icons.zip//hot/png/32×32/Brick buildings.png – OK
      desktop-building-icons.zip//hot/png/32×32/Buildings.png – OK
      desktop-building-icons.zip//hot/png/32×32/Hotel.png – OK
      desktop-building-icons.zip//hot/png/48×48/Brick buildings.png – OK
      desktop-building-icons.zip//hot/png/48×48/Buildings.png – OK
      desktop-building-icons.zip//hot/png/48×48/Hotel.png – OK
      desktop-building-icons.zip//disabled/ico/Brick buildings.ico – OK
      desktop-building-icons.zip//disabled/ico/Buildings.ico – OK
      desktop-building-icons.zip//disabled/ico/Hotel.ico – OK
      desktop-building-icons.zip//disabled/bmp/16×16/Brick buildings.bmp – OK
      desktop-building-icons.zip//disabled/bmp/16×16/Buildings.bmp – OK
      desktop-building-icons.zip//disabled/bmp/16×16/Hotel.bmp – OK
      desktop-building-icons.zip//disabled/bmp/24×24/Brick buildings.bmp – OK
      desktop-building-icons.zip//disabled/bmp/24×24/Buildings.bmp – OK
      desktop-building-icons.zip//disabled/bmp/24×24/Hotel.bmp – OK
      desktop-building-icons.zip//disabled/bmp/32×32/Brick buildings.bmp – OK
      desktop-building-icons.zip//disabled/bmp/32×32/Buildings.bmp – OK
      desktop-building-icons.zip//disabled/bmp/32×32/Hotel.bmp – OK
      desktop-building-icons.zip//disabled/bmp/48×48/Brick buildings.bmp – OK
      desktop-building-icons.zip//disabled/bmp/48×48/Buildings.bmp – OK
      desktop-building-icons.zip//disabled/bmp/48×48/Hotel.bmp – OK
      desktop-building-icons.zip//disabled/png/16×16/Brick buildings.png – OK
      desktop-building-icons.zip//disabled/png/16×16/Buildings.png – OK
      desktop-building-icons.zip//disabled/png/16×16/Hotel.png – OK
      desktop-building-icons.zip//disabled/png/24×24/Brick buildings.png – OK
      desktop-building-icons.zip//disabled/png/24×24/Buildings.png – OK
      desktop-building-icons.zip//disabled/png/24×24/Hotel.png – OK
      desktop-building-icons.zip//disabled/png/256×256/Brick buildings.png – OK
      desktop-building-icons.zip//disabled/png/256×256/Buildings.png – OK
      desktop-building-icons.zip//disabled/png/256×256/Hotel.png – OK
      desktop-building-icons.zip//disabled/png/32×32/Brick buildings.png – OK
      desktop-building-icons.zip//disabled/png/32×32/Buildings.png – OK
      desktop-building-icons.zip//disabled/png/32×32/Hotel.png – OK
      desktop-building-icons.zip//disabled/png/48×48/Brick buildings.png – OK
      desktop-building-icons.zip//disabled/png/48×48/Buildings.png – OK
      desktop-building-icons.zip//disabled/png/48×48/Hotel.png – OK
      desktop-building-icons.zip//install-icon-editor.exe – OK
      desktop-building-icons.zip – OKScan_Objects$626252 completed
      — Statistics —
      Time Start: 2012-09-14 22:48:11
      Time Finish: 2012-09-14 22:48:13
      Completion: 100%
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      Last object:
      ——————Back to the main report
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    • By WebOsPublisher

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    • Great post.They all just looking for Obama to forgive their debt. This is new American Way! Thanks.

    • At 3.8% I would be paying $626.00 per month much closer to what I had planned when my first went to collage before the government raised the interest rate.

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/conga/frontpage.html 367873

Markets »

132.55MDow Volume:
Avg Vol: 132.70M
Unchanged
134
Decliners
1500
Advancers
4873
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 15,974 +314 2.00%
Nasdaq
/quotes/zigman/12633936/realtime 4,338 +71 1.66%
S&P 500
/quotes/zigman/3870025/realtime 1,865 +36 1.95%
GlobalDow
/quotes/zigman/629063/realtime 2,070 +23 1.11%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Oil
/quotes/zigman/2260836/delayed 29.02 +2.81 10.72%
FTSE 100
/quotes/zigman/3173262/delayed 5,708 +171 3.08%
DAX
/quotes/zigman/2380246/delayed 8,968 +215 2.45%
CAC 40
/quotes/zigman/3173214/delayed 3,995 +98 2.52%
FTSE MIB
/quotes/zigman/1482176/delayed 16,515 +742 4.70%
IBEX 35
/quotes/zigman/2759620/delayed 7,921 +175 2.25%
Stoxx 600
/quotes/zigman/2380150/delayed 312 +9 2.91%
Asia Dow
/quotes/zigman/6959860/realtime 2,385 -51 2.10%
Nikkei 225
/quotes/zigman/5986735/delayed 14,953 -761 4.84%
Hang Seng
/quotes/zigman/2622475/delayed 18,320 -226 1.22%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 22,986 +34 0.15%
Singapore
/quotes/zigman/1709939/delayed 2,540 +2 0.07%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 -0.01 0.61%
Yen
/quotes/zigman/16008150/realtime/sampled 113.25 +0.83 0.74%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.18%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.04%
DXY Index
/quotes/zigman/1652083/delayed 95.97 +0.36 0.38%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.99 +0.23 0.26%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.75 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.26 +0.07 37.97%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.08 4.67%
Spain 10yr
/quotes/zigman/15866444/realtime 1.74 -0.04 2.01%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.08 +0.06 442.45%
Crude Oil
/quotes/zigman/2260836/delayed 29 +3 10.72%
Gold
/quotes/zigman/33772884/delayed 1,239 -9 0.75%
Corn
/quotes/zigman/25518691/delayed 359 -1 0.35%
DJIA F
/quotes/zigman/48241424/delayed 15,925 +313 2.00%
S&P F
/quotes/zigman/43106711/delayed 1,860 +36 1.95%
Silver
/quotes/zigman/32655632/delayed 16 0 0.03%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.01 0.10 0.10%
AAPL /quotes/zigman/68270/composite 93.99 0.29 0.31%
GOOG /quotes/zigman/59527964/composite 682.40 -0.71 -0.10%
BAC /quotes/zigman/190927/composite 11.95 0.79 7.08%
C /quotes/zigman/5065548/composite 37.54 2.56 7.32%
F /quotes/zigman/264304/composite 11.55 0.38 3.40%
T /quotes/zigman/398198/composite 36.47 0.26 0.72%
BP /quotes/zigman/247026/composite 29.02 1.38 4.99%
GE /quotes/zigman/227468/composite 28.26 0.81 2.95%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.6%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

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