Benefits of documentation and creative writing

Writing is often deemed as a cathartic activity. For young adults and teenagers, writing is arguably one of the best activities one can indulge in.

It doesn’t matter what sort of writing or reading you’re into; what matters the most is that you’re making an active endeavor to integrate this activity in your lifestyle and daily activities. To help you get there, or to provide more momentum, this segment is directed towards highlighting the many benefits that this activity brings for the user!

Simply speaking, the benefits and advantages of these presents are endless. However, we’ve highlighted the top few ones that we believe are the most influential. 

A subtle form of therapy  

There are several studies and research done on the matter of reading and writing, especially when done by young individuals. The general conclusion that the bulk of the authorities arrived at stated how writing could be a form of therapy for young kids. 

This is primarily attributed to the fact that writing enables self-expression and acknowledgment of how you’re feeling in the present moment, which can often lead to self-actualization. 

Helps improve vocabulary

We’ve all been there. Once you get the hang of writing, you’ll want to get better at the craft. To help you get there, users often integrate a thesaurus into their daily reading.

By writing daily or indulging from time to time, you’re paving the way for an improved vocabulary, which will also carry over to your speaking spills. 

Fuels imagination and creativity 

Writing is a continuous process. Once you get into the groove, the collective process of writing can help you be more elaborate with your thoughts. If done consistently, various patterns of thinking can inculcate creativity in an individual.

Furthermore, this also triggers the subconscious mind to actively seek out more connections in the real world so that you can write about it. Long story short, writing is a great way to increase your imagination and creativity, especially when it comes to the arts. 

Asserts self-confidence  

Writing is also reputed to assert self-confidence in young adults. This is because writing gives the user a voice that they can assert and acknowledge. For a lot of individuals, this can help build self-confidence down the road.

This can go a long way and can help individuals aspire for more down the road. Programs such as Immerse education often lookout for individuals who are good with words and are confident in their abilities. 

Encourages empathy 

When writing, users are often encouraged to put themselves into their character’s shoes. This helps build empathy and makes individuals more accepting of others and accepting diversity. 

This is an attribute that should be encouraged in all. Writing is one way you can go about it. 


The countless benefits that writing offers are priceless; you can’t put a tag on it. Regardless of your age, this is one activity that you should actively seek out and engage with if you want to keep your mind young and fresh.

Powerful Ways to Transform Your English Speaking Skills to The Finest Level

English is a universal language that holds immense power when it comes to coping with the present day workplace culture. It is known for boosting your marketability, ethics and overall approach and outlook when you are aiming for a standard employment.  Not only is it a vital perquisite in your professional life but also for accomplishing personal life chores and goals. Learning a new language is anyway an excellent idea that strengthens your profile and English can be considered as a fundamental one. It is a language that individuals worldwide prefer to lean and is widely used in colleges and universities. One out of five individuals holds the capacity to either speak or understand English. It is often considered as the language of all fields which includes aviation, diplomacy and more. Explained below are some of the ways in which you can take your English speaking skill to the next level. 

Reaching out to a mentor

There is nothing better than getting hold of a mentor when you are planning on increasing your language on a language. There are many complications and intricacies in the process of learning a language. It is much different than learning mathematics. It requires intense guidance from experienced minds who, are fluent with the particular language and holds the ability to get you in the real flow of practice. In case you are looking out for a reliable source to attain tutoring from an experienced mentor, you can simple check here. The given link shall lead you to the top tutors who can make your English learning journey much easy, hassle-free and fast. The details are all available in the website. 

Rely on the right resources and look beyond text books

Next thing you need to focus on are the resources. It is the age of digitalization and you will have ample English learning resources on your plate. But remember that not all shall serve you with the same quality of training and benefit you want from it. So it is recommended that you rely on the resources provided by your mentor and libraries. 

If you are looking forward to online resources, it is best that you perform a good amount of research on the online sites and choose the ones that are reputed enough. You can also surround yourself with activities and habits that is based on English. For instance, if you read magazines, read the news or listen to the radio, replace them all with contents that come from the source of English. 

Be an excellent listener

Lastly, the key to picking a language quickly does not just lie in just absorbing knowledge but also paying heed to what is happening around or how it is being used by others. The best thing you can do is save yourself thirty minutes of time each day to listen to certain audio pieces and vocabs from random sources as you prefer. 

As the world around is progressing, it is getting more connected than ever before and interaction is growing on a global basis. Literacy and fluency in languages, especially English is significantly in demand when it comes to skills and you can definitely use the above tips to set things your way.

Little Known Facts about Pine Flooring

Pine is one of the most popular flooring materials due to its affordability and durability. A pine floor can stand up to decades of use before it has to be replaced, making it not only easy on the wallet, but also good for the environment. 

Since pine is typically sold unfinished, you can have it finished in whatever way you like. If you like its natural appearance, you can simply have it treated with varnish or whitewashed. 

You can also have pine painted or stained based on your preference. It can even be left untreated, and it will develop a distressed look as it ages that many homeowners find appealing. 

Unfortunately, it also needs to be handled with care since it is prone to wear such as scratches and dents. Hence, it needs to be regularly vacuumed and dusted to avoid debris that could cause damage. 

Of course, you also have to be careful when moving furniture or other heavy objects to avoid the floors being damaged by deep grooves. You can avoid damage by using felt pads underneath the furniture.

You can also protect pine flooring by finishing it if you did not buy it finished. Depending on how much foot traffic it gets, you will need to refinish it every five to ten years.

Here are some interesting and little known facts about pine:

  • Depending on the species, it takes from twenty to 100 years for a pine tree to grow large enough so that it can be harvested and used for woodworking. However, this is still a much faster rate of growth than walnut or oak, making it suitable for forestry practices that are environmentally friendly.  
  • Most types of pine trees, such as table mountain, short leaf and white, can live from 100 to 200 years. But some pine tree species, like the bristlecone, have a potential lifespan of thousands of years. In fact, a Bristlecone pine, which was given the name “Methuselah”, has been alive for 4,600 years and is considered the longest lived organism on the planet. It is located in California’s White Mountains.
  • There was actually a bristlecone, which had been cut down, that had lived for 4,900 years. It had been discovered underneath Wheeler Peak, in a grove, and had reportedly been nicknamed “Prometheus”.
  • Pine trees that are grown in plantations for sawing timber can be harvested after only thirty years. Some trees, however, may be allowed to grow for as long as fifty years since older wood is move valuable. 
  • Pine is one of the longest lasting types of flooring. There are homes that have pine floors that are a hundred years old, and in some cases even older.
  • Pine logging actually started in the late seventeenth century, and logs were initially transported using horse-drawn wagons. By the nineteenth century, logging had become a huge industry, and logs were transported via river, horse and train to the sawmills where they were processed.
  • There are actually two machines that are used to turn pine into wood planks. A band saw is used to turn the cut log into a square shape. Then a gang saw is used to cut the logs into boards of different sizes. These boards are sorted according to size.
  • Virtually the entire log is used. Scrap wood is used for scrap projects such as particleboard. Chunks of pine wood are set aside for use in furniture making, and smaller blocks are used to make pinewood cars.

One of the varieties of pine used to make pine lumber, Southern Yellow Pine, actually consists of several species. The major species of yellow pine used for lumber are the Loblolly (pinus taeda); Shortleaf (pinus echinata); Longleaf (pinus palustris) and Slash (pinus elliotti). These species are virtually indistinguishable from each other, even under microscopic examination. 

5 Ways to Make Extra Spending Money

Even if you have a full-time job, unfortunately, sometimes it is still not enough to make ends meet. Sometimes you need more money to live the life you want. In many cities, the income rate is not rising as quickly as the cost of rent and other staples of life. If you find yourself living paycheck to paycheck, then you may need to rethink your income streams. Consider the following suggestions if you need to get yourself out of a rut and one step closer to living your best life.

1. Sell Your Old Car for Cash

Sometimes you need a chunk of money in a lump sum to pay off some bills and get back on your feet. Selling your car for cash can help you do just that.

If you have an unused vehicle parked behind your house, or if you have an old car that is more costly to maintain than it is worth, your car can be put to greater use. When you sell your car for cash, the process is often much simpler than if you tried to sell it to a dealership. Luckily, many companies specialise in this very transaction. All you have to do is search for a local car wrecker, such as Cash for Cars Perth, who buys old cars for cash.

2. Get a Side Hustle

If you need to make more money regularly, then consider getting a side hustle. If you are unfamiliar with the term, a side hustle is another job that you work in addition to your main source of income.

Side hustles can take a variety of forms and can even be fun. Some examples include freelance writing, driving for a ride-share company, or tutoring.

There are nearly infinite possibilities in the side-hustle world. As long as you can make money from it, and it won’t detract from your life or your primary job, then it will work.

3. Rent out a Room

Platforms like Airbnb make it easier than ever to make money out of unused space. If you own a guest house or even a bedroom that is sitting empty, renting it out is a great way to make extra money.

Renting with Airbnb can be a quick way to generate profit. Plus, it requires few startup costs. This method is more effective if you live in a popular tourist destination, but it can be lucrative almost anywhere.

4. Make Money Online

There are many ways that are fairly simple to make money online. One of the most popular is filling out surveys.

Many websites will pay you for merely taking surveys. Filling out surveys while relaxing at home and watching your favourite TV show is not a bad way to unwind and get paid.

There are also apps you can use to get cash back for everyday purchases. Generally, these apps work by having you take a picture of your receipts. Then, they will send you a rebate for certain items you purchased.

While neither of these options will replace your day job, they may help you make it to your next payday with a little less stress.

5. Put Social Media to Work for You

This idea takes a bit more time and energy but can be incredibly lucrative for those who stick with it. If you can amass a large following on social media websites like Instagram or YouTube, you can make money from advertisements and sponsorships. If you have enough followers, companies will pay you to promote their products or place their ads on your sites.

The Takeaway

Money, or lack thereof, is something that causes people to stress throughout the world. If you consider yourself one of those people, hopefully the above tips will get you one step closer to financial stability. Just remember that this is your life, and you deserve to be happy and financially secure.

Writing ideas: Literature Examples of Courage as Essay Topics

The literature provides students with endless opportunities to write and express themselves. Courage is one of the more frequent topics, but this doesn’t make it any easier to write the essay. If you’re asked to craft an essay on the topic of courage, the wide array of choices you can find in the literature will only make this harder for you. 

Surely, you can always go for simple essay topics, ones that have been discussed so often that you won’t have to do a lot of research. However, if you want to make great impression and get the highest grade, you must use all of your creative forces and select one of the best essay topics for college students. 

How to Choose English Essay Topics on Courage

When you’re given the assignment to write an essay that discusses, describes, or arguments courage, your main focus is not the plot – it is the idea of the paper. This is especially important with admission essays where you not only have to share an interesting story, but actually give something unique and attractive to the admission board. This is what will prompt the board to allow you to enroll in the university of your choice.

The courage theme can be found in many literature pieces today and is easily recognizable. However, it is not easy to explain. When it comes to courage essay writing, this needs to be both analytical and argumentative. In many cases, that requires analysis of your own experience and impressions from the literature piece. 

If you’re out of ideas and cannot pick an essay topic to write on, you can always use courage essay examples to guide and motivate you. Generally speaking, you can choose between the following types of essays that use the courage theme.

Definition or expository essays on courage

If given this task, you need to explain to the reader the notion of courage as used in the literature piece. This will demand either real or fictional examples that illustrate your own definition of courage. You can’t just say that courage is ‘an act of bravery’. The essay type itself requires a more thorough definition of how you see and understand courage as presented in the piece. After all, there are plenty of heroes in many stories, but your essay quality will depend on your point of view, who you see as a hero, and why. 

The biggest mistakes students make in this case is to tell the entire plot without focusing on the actual definition. As the name suggests, the essays should define courage as you see it, not analyze the entire piece.

Analytical or argumentative essays on courage

Even though they both explore the theme of courage, argumentative essays are entirely different from definition essays. Your topic might be the same here, but your purpose is different. The goal with this essay type is to make the reader think about courage and what is right or wrong. You need to question courage as a notion, speculate its nature, and perhaps even discuss different points of view in terms of courage in people. 

In this case, there is not such a thing as easy essay topics. As long as you choose a specific point and stick to it, every piece of literature with courage elements in it can be turned into a great argumentative essay.

Reflective essays on courage

Finally, you may be given the task to write a reflective essay. This is probably the most dreaded task among students – to use their personal experience to discuss the courage theme. This is what makes it one of the more popular admission essay topics. You need to compare the literature to your own life, failure, success, and basically – courage.

Examples of Essay Topics Using the Courage Theme

Now that I’ve established the types of essays you can be asked to write on courage, I’m presenting you with my favourite literature topics that discuss courage:

  • Vanity and hypocrisy in Henry Fielding’s Joseph Andrews
  • Heroes of the past, present and the future
  • Time to Kill vs. To Kill a Mockingbird
  • Lady Macbeth’s kind of hero
  • Courage in ‘The Lord of the Rings’
  • The courage of the Baudelaire children in ‘A Series of Unfortunate Events’
  • Kinds of bravery in the ‘Allegiant’
  • ‘The Kite Runner’ and the author’s portrayal of courage in the novel
  • Was Macbeth a failure as a king or a courageous person?
  • Beowulf in today’s society
  • Crane and The Red Badge of Courage


Courage is a very common topic in the English literature. As such, you’ll probably have it assigned at least once during your education. When you do, you might find it hard to choose a topic. There are many different perspectives toward the theme of courage, which gives you endless opportunities to write about it. 

In this article, I’ve presented you with some excellent topics for courage essays. I hope that these helped and – if they didn’t, that you’ll find the guide useful in finding the best topic for your paper. 


Author’s Bio:

Michael Turner is a linguist and literature expert who teaches university students in the US. According to Turner, a literature professor’s biggest mission in life is to show his students how magical words can be. Thanks to his grasp of technology, you can learn about his insights and read his short lectures on many blogs online. 

10 Ways to Motivate Yourself to Write Personal Essays

Students write different types of essays and some of them may induce some difficulties. Though a personal essay seems to be quite easy piece, it still may give students some trouble. Not all of them are able to reveal something deeply personal because it may cause them emotional harm. A personal essay is an autobiographical paper, which is written in a conversational manner. It’s also called a personal statement. The story is nonfictional and is told from the perspective of the narrator. The author may tell about his/her own feelings and emotions related to a certain event or person. It’s also possible to tell a story about another person and the feelings the author feels with regard to that person.

As you can see, this task may be a bit complicated for most people. At times, students may simply lack motivation. They may not be shy and maybe even eager to reveal some private stories. Nonetheless, a lack of motivation may become a serious barrier. Therefore, it’s vital to know how to motivate yourself to write personal essays.

Effective Methods to Be Motivated

ENL freelance writers from this essay writing service recommend 10 great methods that will keep you motivated:

  1. Be positive. To be motivated, you should constantly encourage yourself. Tune on a persistent positive mood. Undertake the hobbies and activities you adore. Spend more time with your closest people, etc.
  2. Find good reasons. You should clearly realize why you should write a personal essay, as well as other papers. Your goal is to receive high grades and progress. Afterward, you’ll become a great expert in the chosen professional sphere. Constantly remind yourself why and how everything began.
  3. Set goals. It’s essential to set objectives to know what you’re supposed to reach. Prioritize all the tasks you have. Divide them into logical blocks and always begin with the ones that are more difficult and urgent.
  4. Make a reasonable schedule. As you set goals, you should take into account at least approximate time to manage them. If you intend to write a personal essay, make an outline. Divide time to choose a topic, compose the introduction, thesis statement, main plot, and conclusion. Set reminders because they will stimulate you.
  5. Break large tasks into smaller pieces. If you have many other large projects, divide them into smaller stages. Thus, the weight of a big assignment won’t depress you. It’s easier to complete tasks step by step.
  6. Get organized. Make sure you have the necessary stuff to work. Find a silent place to avoid distractions.
  7. Track your progress. Always track the way you progress. Each time you see that you’ve advanced, you’d like to continue.
  8. Compete with your friends. Initiate a friendly competition. Determine the rules about your project and try to win. You’ll surely like the idea of being a winner and so, will motivate yourself to try harder.
  9. Reward yourself. Don’t forget to pamper yourself. Every time you finish a writing stage, buy something, go on a trip, etc.
  10. Have some support. If you cannot manage your essay, hire expert academic writers for the most difficult tasks. They manage orders very fast and always meet the demands of their clients.

Useful Guides to Craft a Good Personal Statement

If you struggle with this particular essay, you may need some help. We offer 3 great guides.

  • This informative blog provides smart tips on how to tackle a personal statement. You will find clear explanations with some examples. Besides, it provides quotations suitable for this paper. It also provides grammar tips and other helpful guides.
  • It’s a famous resource, which offers guides on different academic assignments. Thus, it offers tips to compose a personal essay too. The guide consists of 3 major sections, which are divided into subsections with clear examples and clarifications.
  • It’s another useful guide, which provides effective tips to cope with this captivating assignment. You’ll find great tips with clear explanations. Moreover, this resource provides a great variety of other guides. Thus, you’ll learn important facts to manage other essays.

Common Mistakes in Personal Essays

It’s also essential to know some mistakes, which are commonly made by students while they write personal essays. These are:

  • Lack of flow. Oftentimes, students jump from one event to another without any transition. You ought to make logical connections in your story to make it reasonable and readable.
  • Writing too long. Some writers use too long sentences. It’s a big drawback because lengthy sentences make it hard to read. A reader may forget what was in the beginning or simply lose interest.
  • Not sharing personal. Some folks forget that they write a personal essay. Thus, they don’t reveal their true feelings. If you do so, you don’t meet the main demand of the assignment. You must be yourself.
  • Skipping revision. If an author doesn’t reread his/her project, he/she risks making a lot of mistakes. As a result, a student loses many important grades.
  • No proofs. Some students make a claim but don’t provide proofs. If you don’t prove that some event took place, no one will trust you.

Memorize these mistakes and avoid them. Don’t forget about our tips on how to remain motivated while you write personal essays. Use the information guides we have provided in this article if you have some difficulties with this challenging piece of writing.

Why a Personal Assistant Should Be Every Entrepreneurs First Hire

So, you’re an up and coming entrepreneur and you’re starting up a small business. Before long, you might be opening others up and find that you have a lot of work on your plate. How do you manage it all and stay on top of everything? It can be easy to get bogged down with all the work.

Hiring a personal assistant can be one of the best things you do for yourself and your enterprise. If you’re not sure why or aren’t really convinced, we’ve got a few reasons why we think it’s essential and should be your first hire when starting out.

To Keep You On Schedule

Once you’ve started working on a few projects, you will find that you quickly become busy and don’t have a lot of time. You’ll have meetings with clients left, right, and centre, and it can be difficult to remember when and where they all are.

A personal assistant should have your schedule at the top of their list. They need to make sure that you’re always where you need to be and don’t miss a crucial deal. Every single reunion is important, and you shouldn’t miss them just because you had too much to keep track of.

Wherever you are, you can ask them to call or message with reminders to stay on track. You’ll be very glad of the help.

To Delegate Small Tasks

The amount of work an entrepreneur deals with daily is quite astonishing. Managing all the tasks you have can be difficult, and sometimes the smaller things get pushed to the side of the plate. Big things tend to take priority, and you forget that the smaller things are what make the larger ones work.

Having someone who can help you out with smaller tasks can be great. You can put more energy and focus on the things that will take your business to the next level, while at the same time not neglecting the little matters.

You will, of course, need to take some time in training your new assistant everything they need to know, but before long, they’ll be running errands and completing jobs for you.

Work/Life Balance

There’s something that can really cause a negative effect on your family, and that’s being so busy that you forget special events. When you are focused on growing your empire and not always thinking about what’s going on at home, it can happen. 

A personal assistant can take care of matters by sending your loved one flowers on an anniversary, or going to the store on Christmas Eve to make sure everyone gets what they wanted. You’ll still be there for the events themselves but will have been able to get more work done while your assistant did all the party planning. 

There may also be times where you had to stay at the office late just to get a little extra done. You can now leave that to your assistant and make sure your home by dinner to enjoy some quality time with the family. Hiring someone from a household staff agency can also help get more things done at home, so you enjoy even more time together.

Can Turn Into an Investment

To begin with, it may seem like an unnecessary extra cost. But, if you think about it, the amount of extra work you’ll get done and the amount your business will progress is well worth one more salary.

You’ll be able to progress faster and earn more quickly. Instead of working on menial tasks, you’ll be able to focus on what it takes to take your business further.

It’ll Be Like Having Another You

This is probably the best reason to hire a personal assistant. You’ll be spending a lot of time together, and they’ll get to know you. They’ll get to know how you work, and what kinds of things you like.

It can be a great advantage if you want to spend a week away with your family. You can be in touch with your assistant at all times, but they should be able to keep things under control. 

Over time they’ll be able to write just like you do and you may even be able to trust them with responding to emails. Another menial task that you don’t always have time for. Teaching them everything you know and how to do it will save you so much time in the long run.

So, Is It Worth It?

Without a doubt. If you think it’s not a worthy investment, then think again. You should see results right away regarding workload. You’ll have more time for yourself and important matters and won’t have to stay late every evening.

In the long run, it will do wonders for your enterprise. You will create a great bond and will be able to trust them with more and more. Remember to treat them well so that they stay around and respect you as their employer. Your business will be growing at a much faster rate after you hire your assistant.

Steps To Write A Successful Grant Proposal

It has become very difficult to find grants nowadays, and even if you find the right grant, somehow the next biggest challenge will be to complete the grant application properly. Grant applications often ask similar questions from everyone, but they might have different formats. Some will ask for specific narratives, and others will have a complete list of questions. A grant application can be for different purposes, and one should learn how to write a grant letter in the most influential way.

Carefully Go Through the Grant Application

First, highlight all the questions that you need to answer and facts that should be included. You can also underline phrases or keywords that you would like to use. Evaluate the purpose that the grant is proposed to fulfill. One thing you need not forget is that the contribution of your business or non-profit organization to this purpose is highlighted throughout the process. You can mention the present and past contributions. For instance, if the purpose of the grant is to promote education, you need to highlight the educational activities and donations of your organization. Make sure to spend some time in brainstorming and figure out the strongest

Points of your organization before you start grant writing

Write Summary Statement

You should begin by writing a description request for one paragraph. This will give a clear basic idea to start; the rest is filling in the details. This summary can be used as a summary of your proposal, or as the first paragraph describing your narrative. 

  • Make sure to define as the grantor knows nothing about your organization. Try to explain each and every aspect that you think is important to tell the grantor.
  • Describe your project, and exactly the plan that you’d like to carry out.
  • Mention the exact amount that you are requesting, and where you will be spending that money.
  • Summary statement will work as the first draft if the grant needs an abstract.

Make an Outline

An outline of your proposal should explain every step of your plan and organize your thoughts. Your outline is going to be the plan that you will follow as you write down the proposal.

  • Expand every point as required to completely describe each segment.
  • You can use RFP from grantor as the basis. The plan should carefully follow the order and terms suggested by the grantor.

Check Project Feasibility for Grantor’s Funds 

Don’t expect grantor to allow grant for anything just because of a large amount of funds available. Grantors deeply examine every proposal and grant funds to those projects that they find a perfect fit. So try to be fully acquainted with the kind of projects that are acceptable by the grantor.

You can get help from grant writing services if you still wondering to know how to write a grant proposal in an effective manner. Professionals in this industry are experienced in writing all types of grants, including R01 grants and NIH grants.

5 Industries That Are Always Hiring

Finding a job is not always easy, but some professions seem to have more opportunities than others. If you are struggling with your job search, then you may want to think about making a career shift. Here are five industries that have extremely hiring rates for you to consider. While some sectors come and go, these appear to be here to stay.

hiring, job


  1. Contracting

People are always building things. With the world’s population continuing to grow, all these people are going to need places to live, work, and learn. We require contractors to build and maintain these structures. Many people find contracting rewarding because it allows them to work with their hands and not be cooped up in a stuffy office all day.

Becoming a contractor requires some work, but it is not nearly as complicated as becoming a doctor or a lawyer. Most of the time, there are little educational requirements. However, many states do require contractors to obtain a license. For instance, in Louisiana, every person who performs construction work is required to have a license from the State Licensing Board for Contractors. Check out this site to learn how to register for the exam.

  1. Medicine

People will always need medical care. As a result, this field will always be necessary. While becoming a doctor takes years of study and large amounts of tuition, there are many other ways to work in this industry. You could consider becoming a physician’s assistant, medical scribe, or even a speech-language pathologist. There are many options available to you, so you are sure to find something that appeals to your preferences and works with your lifestyle.

  1. Technology

Our world is becoming more technology-driven by the second. However, the new technology we experience every day doesn’t just appear. Hardworking people design and operate our software and gadgets. This industry is full of opportunities for employment that were never possible fifty years ago. You could work in tech support, research and development, or programming, among other options. Now that most people on the planet own phones, computers, and more, jobs in this field have grown exponentially.

  1. Transportation

Because our world has become more interconnected through technology, people are traveling more than they ever have in the past. As a result, the need for bus drivers, train conductors, and airplane pilots has skyrocketed. People can’t always get from A to B on their own, which is where hardworking people like you come in. This industry contains jobs that require little education and experience like bus driving in addition to more complicated professions like flying airplanes. There is something for everyone in the transportation industry.

  1. Hospitality

As a result of the increase in technology, people have more leisure time and disposable income. With more money and time, people are taking vacations and eating out more, which is creating a hospitality industry boom. If you have ever considered working in a hotel, resort, or restaurant, then now may be your time.

Even though finding a rewarding job can be challenging, it does not have to be impossible. If you can’t find what you are looking for, then you may need to look in a new location.

People nowadays are more accustomed to changing career paths if their chosen field isn’t supporting them like they thought it would. Staying at the same job for 30-plus years is becoming a thing of the past. If you are not feeling properly compensated in your current line of work, then it may be time for you to make a change.

Everything You Need to Know Before Choosing to Default on Your Student Loan

Once you take out a student loan, the only way out is to repay it. Defaulting on the loan will only bring negative consequences to your financial life. However, is it possible for borrowers to default and get a reprieve for their actions?

Some people believe it’s possible. In fact, a sizeable number of borrowers have already defaulted on their loans as a way of protesting the worsening student loan crisis. Others have done it hoping to clear the debt through bankruptcy. Regardless of the reason, defaulting on loans come with serious negative consequences, which is why it’s crucial to understand you are about to get into before going down this road.

This article examines the student loan crisis, what protesters are saying about it, and how defaulting on your loan can affect your finances.

Do the Pros of Defaulting Student Loans Outweigh the Cons?

Student loans are at an all-time high—$1.56 trillion—and this is from about 45 million Americans. However, Forbes says at least 1 million graduates default on their federal student loans every year. On the other hand, Brookings Institution predicts that around 38% of those who enrolled in college between 2003 and 2004 will default their loans by 2023.

This begs the question, at what point is one considered to be a defaulter or a delinquent? For federal student loans, delinquency occurs after missing a single payment and becomes defaulted 270 days after the missed payment. For private lenders, the rules vary. However, the timelines are much shorter. For instance, you’ll be considered a defaulter on a CommonBond student loan three months after missing a payment

Many borrowers who end up defaulting on their loans do so because of financial constraints. This is in addition to a lack of basic money management skills. Having said that, some borrowers make a conscious decision to default as a way of protesting the industry. According to Lee Siegel, the increased default rate is an indication of the need to change the current system of higher education and lending. The author adds that this move would expose the Department of Education and the collection agencies as greedy vultures. 

He continues to say that this may force the Congress to think of a certain universal education tax which would make college education affordable. Siegel and millions of Americans consider the student loan system to be an immoral one. In fact, several student loan activists label this as “economic terrorism.” According to them, a mass default seems to be the only way out. 

However, as much as a mass default would attract massive attention, its feasibility is questionable. This is because to default means putting the borrowers’ finances at risk; in fact, their finances will take a serious hit.

Student loans aside, some borrowers default on other payday advance loans to wipe their debt by reaching a settlement with the lender. The latter is difficult to achieve with a student loan, but that’s not to say it’s impossible.

If you choose to reach a settlement, some debt collectors and private lenders may agree to settle should you default. A collector may agree to a certain reduced sum if you have a private student loan.

However, there’s only so much time for a private lender to seek legal action. In fact, the lender cannot seek legal redress to collect once the statute of limitations expires. 

While defaulting on private student loans might seem like a great idea, chances are you’ll have to make several appearances in court. Even worse. you may not get a favorable outcome. It’s wise to seek alternative strategies such as repayment assistance, forgiveness, or student loan discharge.

Why Defaulting on Student Loans May be a Problem

It doesn’t matter what your thoughts are about college costs or the student loan industry at large, you’ll have to deal with numerous negative consequences should you consider defaulting. Remember, private lenders can sue you and demand full repayment.

On the other hand, the federal government has several ways of collecting. They include:

  • Blocking you from ever receiving financial aid in the future.
  • Preventing you from selling or buying real estate.
  • You can lose eligibility for forbearance, deferment, or any other repayment plan.
  • Demanding full and immediate interest and balance repayment.
  • Suing you for any costs associated with the collection process.
  • Garnishing your wages, Social Security benefits, and tax refunds.

These are just some of the methods the federal government may use to pursue you. In addition to these consequences, your credit will take a massive hit due to the lender reporting your missed payments to credit bureaus. This will stain your credit for at least seven years and will affect your financial future, considering the poor credit status you’ll get from this situation. Loans will carry high-interest rates, that is if you can qualify in the first place.

Also, if a cosigner helped you to get the loan you defaulted on, their credit will suffer negative consequences.

Therefore, before you take the step to default on your student loan, take the time to understand the negative consequences of waiting on the other side. This applies to both you and anyone else on the debt.

Strategies to Use to Repay Your Student Loan

No one defaults on purpose, especially with the knowledge of the negative consequences that will follow. The problem is finances are probably tight, which means paying bills and keeping up with monthly payments is almost impossible. Are you already a defaulter? Consider loan consolidation or rehabilitation.

On the other hand, if you’re still paying off your loan, but having a difficult time, consider various strategies to help manage your debt so as to avoid missing payments. If you have a federal student loan, take a look at these repayment plans:

  • Extended repayment – This plan lowers your monthly paymen, which means your repayment period will go up to 25 years.
  • Income-driven repayment plans – With these plans, you can adjust your monthly payment to 10, 15 or 20 percent of your discretionary income. 
  • Graduated repayment – This plan will lower your monthly payments and later increase them and spread them throughout 10 years.
  • Forbearance or deferment – This will only be possible for those who qualify. For instance, you could be going back to school or be in great financial hardship.

Pausing or lowering your monthly payments gives you more room to breathe financially. As a result, there’s no need to worry about defaulting on your student loan or denting your credit.

Federal student loans offer multiple options for repayment options. However, private lenders don’t offer such flexibility. Nevertheless, you can still find some who can let you pause your payments through forbearance or deferment. It’s important to first consult your lender on whether they allow such benefits before defaulting.

Student loan refinancing is also a worthy consideration, regardless of the type of loan—federal or student. By refinancing, the lender may lower the interest rate, thereby saving you money. Furthermore, you also have a chance to choose new loan terms.

Keep in mind, this option is only available to borrowers with solid credit. If you don’t have it, consider getting a cosigner. In addition, you’ll lose federal protections if you choose to refinance federal loans, a risk you may not be ready to take.

Regardless of which loan you’re repaying at the moment, there are ways you can use to repay them. They may be burdensome or seem unfair, but managing your debt will help you overcome this burden fast and without going into default.