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At times it becomes difficult to finance education from your own pocket or via scholarships. For that purpose you must go for student loans. There could be many choices of getting a student loan, depending upon your status and type of education. So, you should check all options available and to choose the best one.Student loans are of three main types:o Federal student loanso Private student loanso Consolidation student loansFederal loans are the main source for educational loans. Private financial institutes provide these loans. They are better than private loans, due to their assurance from government and their lowest interest rate.Credit scores are not accountable for this so almost all students can apply for them before going for any other loan. You can make delay payments, flexible credit requirements and they have longer refund terms. Federal loan is further divided in three major types. i.e.o Federal Stafford loanso Federal Perkins loanso Federal Parent PLUS loanso Federal Graduate PLUS loansIn further categorization of Federal loans Perkins are better than Stafford due to their lowest interest rate (i.e. 5% interest rate). Federal Perkins loans are only for those who are facing acute financial crises. They have no fee, a lengthy grace period.On the other hand Federal Stafford loans are more suitable if you need college loan. It has six month grace period and flexible repayments with no fine. You should be declared poor from your school.Stafford loan can be taken in case you already owe an educational fund. Its interest rate is 6.8%.There is classification of Stafford loan, i.e. if you need a long term and need based loan, and you want government to pay your interest during the school time or you want to request a grace period. In such a case Stafford loan will be term as subsidized federal Stafford loan.In another case if you need long term and you don’t fall under need based, with low interest rate, or you want additional financial support, then unsubsidized federal Stafford loan is best for you. Here interest will be paid by you. And if you are independent student then you should go for Additional unsubsidized federal Stafford loan.There is another kind of federal loan termed as federal parent plus loans, they are better for the parents of undergraduate students, who depend on their parents and parents of independent students can’t apply. For this kind of loans it necessary to check credits, they have flexible repayment options and can be used for saving money during repayments of another loan. Prepayment fine is not charged, no wages or security required, repayments can be postpone till 60 months along with the school time period of your dependent child.For graduates and professional students Federal Graduate plus loans is a best selection and these loans are better than Stafford loans and Private loans for them. You can borrow complete cost of education, but credits are checked, they offer flexible repayments, no prepayment fine is charged, interest could be tax deductible. They could also be helpful to save money for repayments and could be taken with Stafford loans. You can borrow full educational expenses, until you receive some other aid. Fee is charged but you could get help from lenders and sponsors.If you are attending a community college or a 4 – 5 year college and you are heading for your degree with adequate credits, then you can go for Signature Student Loan. In this type of loan interest rate and fee is variable depending upon the student credits, standard repayment duration is 15 years but can be extended up to 30years.Now if you have good credits and you are a parent or working adult, graduate or even undergraduate and you own a social security numbers then you are suitable for Tuition Student Loan. You should give the poof that you are already registered as student at licensed institute.In case your need is not fulfilled by federal Stafford loan or any other aid or scholarship then Signature Student Loan for Community colleges could help you. These loans have a variable interest rate, no prepayment fine and a grace period of six months.If you are part time student looking forward for degree or postsecondary student and not looking forward for degree, then Continuing Education loan is best for you. In this loan repayments can be done up to 15 years, interest rates are variable and change every month.For technical training, some sort of continuing education and online courses, Career Training loan is best. Its terms and conditions are almost same as Continuing Education loan only difference is that its fees are from 0% to 6.5%.

SEO Training Courses in the UKSEO – Search Engine Optimisation, is an extremely  valuable skill.The job websites – at a time of increasing unemployment – seem to be full of very well paid positions for SEO executives. The reason for this is that actually, there are very few people in the UK who are truly skilled in SEO – and for that reason, those that are tend to choose to work for themselves regardless of the large amount of money they could earn working for an SEO firm.The main reason that very few people in the UK have real SEO skills, is that there are very few UK SEO training courses available. You can’t just go & enroll on an SEO course at your local night school, they don’t teach it in schools, there are no college courses in SEO in the UK, that I’m aware of, and there are very few real opportunities to learn real SEO from someone who knows how it’s done.I think the reason most SEO consultants don’t offer to train, is that training is much harder work than just doing SEO – and at the same time, when training new SEO consultants, we’re creating real competition for ourselves – and at the moment in the UK, there is not a lot of competition from REAL SEO consultant who actually do the work, and I think most consultants would agree that they’d prefer it that way – it’s difficult promoting a clients website when you’re up against another professional, so really for us, the less true SEO professionals out there, the better!So – most SEO consultants are self taught. I have been teaching myself SEO for roughly ten years, and I dread to think how much I have spent over these years on ebooks, courses & programs, but I’m sure whatever the amount, I would have saved money by doing an intensive SEO training course, if there was one available when I started !I have now started to offer SEO training courses in the UK, to help people who are serious about becoming professional SEO consultants. My training courses are one to one, intensive training courses, that include a year of help & support.Are SEO training courses absolutely necesarry No – they’re not, however finding a professional SEO consultant to train you, will help you to take a huge leap towards becoming an SEO consultant, drastically reducing the learning curve that most SEO professionals have to go through.What kind of SEO training course should I look for?Look for a training course which is run by actual current SEO professionals, people who’re doing this for a living. The world of SEO is an ever changing one, someone who used to be a great SEO consultant who now just trains, isn’t likely to be training you using fresh knowledge & experience.How much should I expect to pay?SEO is a very valuable skill, and a good SEO consultant can make a lot of money, therefore logical thinking will tell you that no SEO consultant is going to offer to train you for a small amount of money, they are in effect training a future competitor, so they need to make more money than they would make in the same amount of time working for a client, otherwise what would be the incentive to offer training courses?  So, if you do find a course which seems very cheap – just think logically about the value of such a course, and why such valuable training is being offered for bargain prices.There are some valid reasons that a course would be offered for a smaller cost, for instance a course that was teaching a number of people at one time, would enable a lower cost – but in my opinion SEO taught in a class is never going to be as valuable as one to one training with a professional SEO.What else should I take into consideration?The main thing to think about – is what happens after the course? Like learning to drive, the REAL test comes after you’ve passed & you’re let alone to drive. Remember the first few weeks of driving, scary right? A good SEO course should include after training support. I continue to support people for a year after the course, included in the price of the course – and I offer packages for continued support after a year.

They are all the same, aren’t they? Absolutely, positively… not! We are of course talking about the equipment finance company industry in Canada and how your selection of the right partner can determine which advantages and disadvantages you can enjoy… or suffer with. We prefer positive advantages that your business can benefit with, not Canadian business financing decisions that you will suffer via the wrong choice of a lease partner for your specific needs.Ok, so what in the heck are we talking about? Essentially there are four types of asset finance partners in the equipment leasing industry in Canada. And you thought that a lease finance company was a lease finance company!The first type of partner is the ‘captive’ – no you are not the captive! The term refers simply to finance companies that are owned and literally situated within various manufacturing firms. When clients ask us about lease finance options and they mention specific equipment we are always reminding them to ensure they determine if the manufacturer captive finance firm offers asset financing. If they do we can assure you it is probably the best financial terms you will be able to come up with, as well as a better chance for overall approval re rate, structure and other general terms. Why is that?It’s to do with motivation – the captive finance firm is motivated to finance and promote the sale of products using financial options such as leasing to get the products out to the marketplace. Want to know a secret that should surprise most business owners and financial managers? It’s simply that captive finance firms in a competing industry will finance their competitor’s products, often at better rates, terms and structures. That is simply because the financial transaction will probably give the competing mfr a foothold into your business to promote and sell their own products. So don’t think that a great firm such as IBM CREDIT CORP. is the only firm that will finance your products you purchase through them. Others will also!The second main group of asset finance firms in Canada is our chartered banks – Two major banks have leasing arms that are very significant, others employ lease finance to varying degrees. Our real only comment here is that the credit bar is high and more often than not you have to be a customer of the bank to enjoy the great lease and finance structures they offer.The third main category of the Canadian equipment leasing company market is actually the largest and most robust. It also requires the maximum amount of knowledge and navigation by Canadian business owners and financial managers. This is the Independent lease finance market, where there are tens of firms that offer lease financing based on various criteria of asset size, credit quality, geographical preference, industry specialization, etc, etc, etc.You have a great choice with our category 3 partners, the independent finance companies. You can spend tens or hundreds of hours determining their credit criteria, additional collateral they require, the size of deals they do, the different lease structures they offer, or… alternatively.. use our final category for lease provider, the independent lease finance advisor who are knowledgeable intermediaries who know the market, have a strong reputation with lease providers, and can match the advantages you seek in an equipment finance transaction to the right provider. Subtle nuances in your overall lease structure, depending on the size of your transaction, can save you thousands of dollars and untold grief at the end of the term of your lease.So that’s your Canadian lease market overview. Speak to a trusted, credible and experienced Canadian business financing advisor who can successful guide you through the asset finance maze.