Music List (Spring 2019) #1

Music List

By, Afua Serwah Osei-Bonsu

Nina & the Pogo Sticks

Sweet Potato Pie

Freddie King  Blue Live

Hoodoo Kings

Jimmy King

Joni Mitchell

Cat Stevens

Miriam Makeba

School Teacher (reggae song)

Yoko Ono

Enya Matakone

Black Sabbath

Beatles

Parliament

Pixies

Primus

Fugazi

Smashing Pumpkins

Ambient

The Carpenters

Sirius XM

Custard

Fluster

Richard Hen house

Sweet Botnick

Grover Washington

Isaac Hayes

Al Green

Kate Bush

Patrice Rushen

Niecy

Prince

Doux Moments Pour Philou,  Stephen Moccio Hudson

Peace of heaven Solomon Keal

Enya

New Life, Paul Cardall

One in a Million, Ashford and Simpson

Sting

Annie Lennox

Terrence Trent D’arby

Minnie Ripperton

Roberta Flack

Sade

Financial Series #4 Consolidation and Forgiveness Clean Up Student Loans

Financial Series #4   Consolidation and Forgiveness Clean Up Student Loans

By, Afua Serwah Osei-Bonsu

 

Perhaps in your 40’s you become something that solidifies.  You clean up tattoos, you clean up credit.

One way to clean up credit and raise your score is to enter into many, many payment arrangements to get to the finish line of each debt one has incurred. Chop it up.  A good idea is to consolidate all your student loans, more than once if you take out more.  When you take out more loans several loans show up on your credit report, but when you consolidate, all the loans shrink down to one single loan and make your score go up.

The next thing to do is to see to the end of that student loan.  There is such a thing as “Public Service Loan Forgiveness” and after you make 120 consecutive payments while working in a non-profit, or a federal or government position or for the Police Dept. or Fire Dept.  or for Peace Corps or AmeriCorps-they will forgive the balance after approximately 10 years of payments.  It’s good to get on an Income Driven Plan that is doable and pursue a service option if looking for a job and having high debt in student loans 100,000+ think about those practical options.  You will breathe easier when you have all finish lines and your score will go up the more arrangements you have, for post-dated payments, the better your score.  Don’t let debts linger or fester see them to the finish.