Tuesday, November 26, 2013

U.S. Study Abroad Experience

For me, studying abroad was about getting an education different from what my home country offered. I always felt that to be born in a third world country, it also meant a third world education. I wanted to learn more about first world countries. I wanted to learn what made countries first world and others third world. I witness from my own experience that nothing matches an education from a first world country. My study abroad experience was actually done in my new adopted home country, which is U.S.A. I will explain some of my incredible experiences studying in U.S.A.


Yes, U.S is the most diverse country on planet earth. No matter where in the U.S, you will find that people are intensely proud about football (National Football League or NFL), hip-hop, rock to mention but a few. Also, each culture in the U.S has its own struggles. In general, people in the U.S are welcoming and they are about business. I learnt that most people in the U.S could open up as longer as it is about business or money.


This is one of my favorite things that I really appreciate about the U.S. I learnt that I could do anything lawful at anytime in the U.S. For example, travelling from one state to another. I usually fly from New York to California just within a day. People may take this for granted but the truth is that in third world countries, it takes more than a week to travel by plane for such distance.

Also, I learnt that there are no communication barriers in the U.S. In the third world countries, people usually speak different dialects. It is hard to travel and easily communicate in third world countries. Although, some immigrants in the U.S don't speak proper English, a majority of people in the U.S speaks good English, which makes it easier to communicate.


I learnt that most Americans work hard during weekdays. On weekends, most Americans do laundry, shopping, watch their favorite TV shows; go out to hangout with friends among others.


Yes, I learnt that most Americans take pride in their country and most consider themselves patriots. I see homes with American flags and this is what I love. Warning: If you are an immigrant, never make fun of the U.S or make derogatory remarks about U.S social background.

I learnt that many Americans are immigrants or children of immigrants. However, a majority of the current Americans are of European descent. Yes, it is sometimes very difficult to define a typical American. With that said, there are federal and state recognized Native American tribes.

I also learnt that most Americans are not aware of current U.S immigration laws. Most Americans think that America is made up of American citizens, permanent residents, tourists, and illegals from Mexico. With that said, Americans are so welcoming. They will feed you; employ you and party with you no matter where you come from.

Friday, November 22, 2013

U.S Government Resources For Protecting Consumers

1. The Federal Trade Commission (FTC)

The FTC is a United States government Federal agency whose mission is to prevent business practices that are anticompetitive, deceptive, or unfair to consumers. Click here to access FTC website

2. The United States Department Of Education

The United States Department of Education is a government agency whose mission is to promote student achievement and preparation for global competitiveness by fostering educational excellence and ensuring equal access.

This is done through;

  • Establishing policies on federal financial aid for education, and distributing as well as monitoring those funds.
  • Collecting data on America's schools and disseminating research.
  • Focusing national attention on key educational issues.
  • Prohibiting discrimination and ensuring equal access to education.

Federal Student Aid is part of United States Department Of Education responsible for managing the student financial assistance programs also known as FAFSA authorized under Title IV of the Higher Education Act of 1965. These programs provide grants, loans, and work-study funds to students attending college or career school.

The United States Patent and Trademark Office (USPTO) is the federal agency for granting United States patents and registering trademarks. The USPTO fulfills the mandate of Article I, Section 8, Clause 8, of the Constitution that the legislative branch "promote the progress of science and the useful arts by securing for limited times to inventors the exclusive right to their respective discoveries." The USPTO registers trademarks based on the commerce clause of the Constitution (Article I, Section 8, Clause 3).

The mission of the United States Department Of Justice is to enforce the law and defend the interests of the United States according to the law. The mission of United States Department of Justice include; 
  • Ensuring public safety against threats either foreign or domestic
  • Providing federal leadership to prevent and control crime
  • To seek just punishment for those guilty of unlawful behavior
  • To ensure fair and impartial administration of justice for all Americans  

The SEC mission is to protect investors, maintain fair, orderly and efficient markets and facilitate capital formation. 
Under the Securities Act of 1933, the SEC has a legal obligation to require investors receive financial and any other significant information concerning securities being offered for public sale. The SEC also has a legal obligation to prohibit deceit, misrepresentations and fraud in the sale of securities

Thursday, November 14, 2013

All Year Best Paint for the Interior and Exterior of a Home

When selecting house paint, homeowners consider things like durability of the paint, paint resistance to mold and mildew, color availability among others. It is important to note that all paint come in either oil or latex.

#Latex Paint

NOTE; latex paint is not the most preferred paint in the U.S because many people are allergic to Latex. However, pros of Latex paint claim that latex paint is durable and easy to clean up. They say that latex paint is fade resistant compared to oil based paint.

On the one hand, pros for oil paint claim that oil paint is great for wood moldings. They claim that when oil based paint is applied, it seals wood stains and knots compared to latex paint. However, cons note that oil paint take longer to dry than latex paint. From my personal account, my painter used oil shellac primer to trim and then he applied latex paint as the topcoat. Below is what you need to understand about painting a house.

Gloss paint and Sheen paint

1. Gloss paint is the paint used for shininess coating

2. Sheen paint is also paint used for shininess coating, but glossy when viewed from a low angle.

3. Flat paint is the paint used or applied to hide small imperfections. However, it is not washable and reduces light glares. Flat paint is used in theater rooms and ceilings. In addition, Flat paint come in Velvet flat or pearl flat. These can also be used to reduce light glare. Velvet flat and pearl flat paint can be used in living rooms, bedrooms and dining rooms.

4. Satin Paint. This paint is washable and reflects light. Satin Paint is used in kitchens nooks, laundry rooms and kid rooms.

5. Eggshell paint. Many painters use Eggshell paint between satin and semi-gloss. Eggshell is washable and reflects light. My painter applied eggshell paint in one of my bathroom.

6. Semi-Gloss Paint is washable and reflects light. Semi-Gloss paint is used in Kitchens, Bathrooms, Trim Work, Doors, Cabinets and Furniture

Monday, November 4, 2013

What You Should Know And DO About Student loans And Your credit Score.

What You Should Know And DO About Student loans And Your credit Score.

You should be aware that student loan guarantors have the right to garnish wages without informing the consumer. Incidentally, this is unlike regular collection agencies which are bound by the Fair Debt Collection Practices Act and cannot simply take whatever they feel is theirs. Even more disturbing, perhaps, is that student loan guarantors can add interest, collection fees, and late penalties once the loans have defaulted. For that reason, it will benefit you to take action sooner than later even if you and your wife change your mind about buying a house.

Whatever you do, don't consolidate loans, which have defaulted. Although there are bankers who will indeed create a single loan to replace your separate loans, such consolidation loans can be problematic. First, you may find that you have replaced a previously low interest rate with one that is significantly higher, a probability that is much increased by the fact of your terrible credit rating. Second, when loans are consolidated, the new lender actually repays the previous loans, then folds those amounts as well as new costs into the new loan. For that reason, you will likely find that you owe even more now than you did before. Finally, when previously defaulted student loans are paid off, they are no longer eligible for what the Department of Education calls "rehabilitation," which is a program that can literally erase ALL student loan negatives on credit reports after just one year.

Whoa, you say! Why in the world would the Department of Education is motivated to remove all that derogatory information long before the seven year reporting period has expired? Simply put, it's because legislators who wrote the relevant laws understood that, unlike all other types of credit, student loans are "guaranteed" (i.e., awarded on the basis of need rather than creditworthiness) and that many students may acquire and subsequently begin repaying the loans before fully realizing that they could very well wreck their lives with them. In this regard, current and former college students with student loans in repayment get a bit of a break. That said, there is a particular path that must be followed in order to "rehab" previously defaulted student loans:

First, contact the Office of the Ombudsman at the Department of Education and let them know you are interested in rehabilitating your defaulted student loans. Use the word "rehabilitation" specifically because that refers to this specific program. You can call their toll-free number at 1-877-557-2575 or visit their website. This office will provide the necessary forms for beginning this process.
Second, send letters to current loan guarantors regarding your wish to begin rehabilitating the loans in accordance with federal law. Send such letters certified mail with return-receipt requested so that, if documentation is ever requested, you can prove that you did indeed register that request on a particular day.

In a nutshell, after you have officially entered the rehab process, you will be required to make 12 consecutive on-time monthly payments, after which the Department of Education will see to it that all financial penalties are reversed and that the affected loans are marked as "NEVER LATE" with the bureaus. After rehab completion, and assuming that your reports are clean otherwise, you may well see your credit scores soar by a couple of hundred points! Once the loans are rehabilitated, only then should consolidation be considered.

Finally, don't make the same mistakes twice because rehabilitation is only offered as a one-time dispensation. Good luck with the new home.