What is student loan refinancing?

What is Student Loan Refinancing?

Refinancing student loans allow you to do a few things. If you have multiple loans, you can combine them into one brand new loan making it more convenient to stay on top of personal finances. You’ll also sometimes have the opportunity to release cosigners on your existing loans eliminating them from any liability for your loans. But probably most exciting is the opportunity to save money. With a student loan refinance, you are replacing all of your existing student loans (or a single student loan if you only have one) with a new loan with new terms. By qualifying for a lower interest rate or reducing the payback period of the new loan, you could save thousands in interest over the life of the loan.

Refinance Student Loans

Save thousands by refinancing through credit unions and community banks that prioritize people over profits.

APPLY NOW

Checking rates will NOT affect your credit score.

Savings of over
$16,000

rates as low as (with AutoPay)

2.47%

VARIABLE APR

OR

3.49%

FIXED APR

Save Money with Student Loan Refinancing

The average student graduates college with more than $30,000 dollars in student loans. Those that go on to graduate school will graduate with even more debt, many times in the six figures for professional degrees. Borrowers don’t always realize that their loans are costing them more than they think. Interest is tacked on to the loan amount (i.e., principal) making the total cost of the loan greater. While there is no way to eliminate student loan debt without paying it off, there are some tactics to reduce the overall cost of the principal and interest combined. One way is with a student loan refinance.

You could be saving thousands of dollars when you refinance your student loans.

Many borrowers are eligible to refinance but don’t know where to start. The first step is to get familiar with how student loan refinancing works.
You can easily refinance your loan using lendkey

Benefits of Using LendKey

Lower Your Payments

You can reduce your interest rate, lower your monthly payments, and save thousands over the lifetime of your loan when you refinance student loans.

Simplify Your Finances

Through lendkey you'll be able to refinance student loans, both federal and private, including graduate loans, into one convenient loan at a great rate.

No Origination Fees

When you refinance student loans through lendkey, the community lenders won't charge you any origination fees.

Flexible Options

Many of lendkey's student loan refinance lenders offer various repayment options, including interest-only payments for the first four years.

CHECK YOUR RATE

Let's not forget about SoFi.

SoFi is a finance company that actually wants you to get ahead. That means low rates to refinance student loans. Personal loans to help you cut credit card rates by an average of 42%. And all kinds of cool community and networking events.

Use this link to get a $100 bonus once you become a member by refinancing your student loans or taking out a personal loan

How many percent of gold is in 18 karat gold

"Caratage" is simply the measurement of purity of gold alloyed with other metals. 24 carat is generally accepted as pure gold with no other metals. Lower caratages contain less gold; 18 carat gold contains 75% percent gold and 25% other metals, often copper or silver.
    An 18 carat gold represents 75% gold and other metals. This can be calculated by dividing the carats by 24. That is, 18/24=0.75 value of gold
    To get the percentage, multiply it by 100. That is 0.75×100=75% gold.

    There are some other values of gold that is sold they include; 0.999 0.995 0.990 or 22 carats, 14 carats etc  depending on what you buy as gold.

List of carats of Gold and the gold content

Purity: 22 carat gold
Gold content(wt.%):91.6
Fineness:916

Purity:18 carat gold
Gold content(wt.%):75.0
Fineness:750

Purity:14 carat gold
Gold content:58.5
Fineness:585

Purity:9 carat gold
Gold content:37.5
Fineness:375

Which do you prefer, Gold or silver?

lots of precious stones and semi precious stones have been and is still being used to make Jewelry. Jewelry which is made with gemstones, shell, bead and precious metals such as gold and silver is used in many occasions. Jewelries such as necklace, rings, anklets, earrings etc is used in many occasions. Most people use it as a form of dowry while some use it as a form of ornament, etc. Whatever purpose it is used for, people always have preferences when it comes to what their Jewelry is made of. Most people prefer gold, some silver, others diamond or pearl etc. Whatever their preferences are, there is always a reason why they choose one above the other. When it comes to a choice of Jewelry, a person's personality, attractiveness, and interest comes to play. Now let's look at a case study of gold and silver. Some say that Gold is mostly accumulated over time as gifts by family or in the form of small pieces for investment, that Gold is still considered a primary form of investment in the country and that's why gold is preferred to silver. Some are of the opinion that people like and wear both silver and gold depending on the designs, and occasions they want to wear it to. Most people are of the opinion that Since times have changed, that, people are more interested in jewelry that is easy to carry for them and does not require much investment and can go with every outfit, so Instead of using gold, people are most interested in precious and semi precious jewelry and that in no doubt, silver is the most attractive option in jewelry. Certain people are of the opinion that the choice of Jewelry should be decided based on a person's skin complexions and personal style. This set of people claim that Gold generally suits darker complexions better and silver suits lighter complexions better. They say that While Some people can pull off either, it also depends on a person's outfit. Others think that the choice of gold or silver Jewelry is cultural. They said Some cultures consider gold the ultimate and it is also considered to be part of the woman’s dowry. While Other cultures use a lot of silver, partially because that is what was always readily available in their part of the the world. Most people feel that Other people choose whichever they prefer because they like the way it looks on their skin." I have always preferred silver. Silver looks better against my skin. Gold looks better on other people. Believe it or not, some people wear copper beautifully!" another opined. A Jeweler dealer who makes jewelry and do art shows said she had noticed that her gold case pulls people in, but her silver case sells best. That is because of the difference in prices. She said she has started mixing gold and silver. "People love the combination because they can wear it with everything! Now that I am mixing the metals, I am wearing more silver and gold mixes myself!" She said Some say that nowadays more people prefer wearing the silver jewelry to gold jewellery. They say Silver Jewelry is less expensive to gold jewellery and many trendy designs comes in silver. So one can afford to wear it with his/her outfits and look fashionable too.

Others say It completely depends on personal preference but it also depends on what the person is wearing it with. When it comes to gold and silver Jewelry, the preference of one against the other goes on and on. Which one do you prefer, silver or gold?

Beautiful zee world actresses

Food and health quiz 1

Pick the right answer for each question

1. What is the chemical name of vitamin B?

Ascorbic acid
Cholecalciferol
Riboflavin
Tocopherols


2. The two major classes of fruits are

Spoilt fruits and fresh fuits
Fresh fruits and dried fruits
Dried fruits and watery fruits
Strong fruits and weak fruits


3. One of these is used to prepare Indian rice pudding (kheer)

Yeast
Milk
Baking powder
Palm oil


4. What ingredient makes bread rise?

Baking powder
Yeast
Butter
Milk


5. A person who does not eat meat is called

Non-meat eater
Vegetator
Fish eater
Vegetarian


6. What star is awarded to restaurants where the service and cooking levels are outstanding?

Five star
Michelin
Golden star
Best cook star


7. The following are root vegetables except

Cassava
Carrot
Turnip
Parsnips


8. What is considered the sweetest fruit in the world?

Banana
Pawpaw
Apple
Mango


9. A diabetic should not eat the following, except

Sugar-sweetened beverages
Dried fruits
Cinnamon
Honey


10. where does the word mocha come from?

Yemen
USA
South-Africa
Togo

Food???

12 HEALTHY FOOD TIPS

It is true that food helps to keep the body healthy but there are some food that are bad for human health and there are some food which help to imprve human health
Below are some healthy food tips:
1. Eat food containing vitamin, and beta caroten; It helps to boost immunity against diseases. It also assists in the healing process of diseases such as measles and is recommended by the world health organization. Good natural sources of vitamin A are kidneys, liver, dairy products, green and yellow vegetables, pawpaw, mangoes, chilli pepper, red sorrel and red palm oil.
2. Avoid Processed Junk Food (Eat Real Food Instead);All the processed junk foods in the diet are the biggest reason the world is fatter and sicker than ever before.These foods have been engineered to be "hyper-rewarding," so they trick our brains into eating more than we need, even leading to addiction in some people.They are also low in fiber, protein and micronutrients (empty calories), but high in unhealthy ingredients like added sugar and refined grains.
3. Eat Fatty Fish;Pretty much everyone agrees that fish is healthy.This is particularly true of fatty fish, like salmon, which is loaded with omega-3 fatty acids and various other nutrients.Studies show that people who eat the most fish have a lower risk of all sorts of diseases, including heart disease, dementia and depression.
4. Eat Nuts;Despite being high in fat, nuts are incredibly nutritious and healthy.They are loaded with magnesium, vitamin E, fiber and various other nutrients.Studies show that nuts can help you lose weight, and may help fight type 2 diabetes and heart disease.Additionally, about 10-15% of the calories in nuts aren't even absorbed into the body, and some evidence suggests that they can boost metabolism.In one study, almonds were shown to increase weight loss by 62% compared to complex carbohydrate.
5. Drink Coffee; Coffee is actually very healthy.Coffee is high in antioxidants, and studies show that coffee drinkers live longer, and have a reduced risk of type 2 diabetes, Parkinson's disease, Alzheimer's and numerous other diseases.
6. Drink Some Water (Especially Before Meals); Drinking enough water can have numerous benefits.One important factor, is that it can help boost the amount of calories you burn. According to 2 studies, it can boost metabolism by 24-30% over a period of 1-1.5 hours. This can amount to 96 additional calories burned if you drink 2 liters (67 oz) of water per day.The best time to drink water is half an hour before meals. One study showed that half a liter of water, 30 minutes before each meal, increased weight loss by 44%.
7. Eat Eggs, and Don't Throw Away The Yolk; Whole eggs are so nutritious that they're often referred to as "nature's multivitamin." It is a myth that eggs are bad for you because of the cholesterol. Studies show that they have no effect on blood cholesterol in the majority of people. Additionally, a massive review study that included 263,938 individuals found that egg consumption had no association with the risk of heart disease.
 8. Make use of tomato; Tomato is a superstar in the fruit and veggie pantheon. Tomatoes contain lycopene, a powerful cancer fighter. They’re also rich in vitamin C. The good news is that cooked tomatoes are also nutritious, so use them in pasta, soups and casseroles, as well as in salads. The British Thoracic Society says that tomatoes and apples can reduce your risk of asthma and chronic lung diseases. Both contain the antioxidant quercetin. To enjoy the benefits, eat five apples a week or a tomato every other day.
9. Eat Garlic, onions, spring onions and leeks; These contain stuff that’s good for you. A study at the Child’s Health Institute in Cape Town found that eating raw garlic helped fight serious childhood infections. Heat destroys these properties, so eat yours raw, wash it down with fruit juice or, if you’re a sissy, have it in tablet form.
10. Folic acid; Folic acid should be taken regularly by all pregnant mums and people with a low immunity to disease. Folic acid prevents spina bifida in unborn babies and can play a role in cancer prevention. It is found in green leafy vegetables, liver, fruit and bran.
11. Berries for your belly;  Blueberries, strawberries and raspberries contain plant nutrients known as anthocyanidins, which are powerful antioxidants. Blueberries rival grapes in concentrations of resveratrol – the antioxidant compound found in red wine that has assumed near mythological proportions. Resveratrol is believed to help protect against heart disease and cancer.
12. GI, Jane. Carbohydrates with a high glycaemic index, such as bread, sugar, honey and grain-based food will give instant energy and accelerate your metabolism. If you’re trying to burn fat, stick to beans, rice, pasta, lentils, peas, soya beans and oat bran, all of which have a low GI count.