Paskolos studentams studijų finansavimui

parašė , 2011-09-30 15:12

Kada verta pradėti galvoti apie paskolą ar kreditą studijoms finansuoti?

Kai pateiksite prašymą studijuoti universitete, jūs atrasite, kad mokesčiai už mokslą yra labai dideli. Nebent jūs ar jūsų tėvai turi dideles santaupas, vienareikšmiškai daugelis studentų negali susimokėti už savo studijas be tėvų pagalbos ar paskolos studentams iš banko. Jei jums negausite jokios stipendijos, finansuoti savo studijas savarankiškai atrodys tiesiog neįmanoma, net su vidutinėmis tevų finansinėmis galimybėmis.

Tačiau tai ne bėda –  yra daug žemomis palūkanomis studentams prienamų paskolų, vadinamų studentų paskolomis ar kreditais. Nebūtina laukti, kol sutaupysite pinigų mokslams savarankiškai – dabar galite skolintis pinigų ir atidėti mokėjimą, kol baigsite savo studijas  ir galiausiai pradėsite dirbti pilnavertį darbą, kurio užmokesčio dėka jūs galite grąžinti tai, ką jūs skolingi bankui ar kitam kreditoriui.

Studentų paskolas dažniausiai administruoja bankai bendru susitarimu su universitetais ar kolegijomis. Kreipkitės į savo kolegiją arba universitetą ir jums bus išsiųsta informaciją apie finansinės paramos paketą. Jūsų bus paprašyta pateikti savo ir savo tėvų finansinę informaciją, taip pagalbos agentūros galės įvertinti jūsų poreikius ir savo gebėjimą suteikti jums reikalinga paskolą.

Tiesa, yra vyriausybės dotacijų, kurios gali suteikti jums pinigų be reikalo juos grąžinti atgal – tai realu mažas pajamas gaunantiems studentams. Tačiau dotacijos yra ribotos ir jums greičiausiai prireiks studentiškos paskolos, kad visiškai finansuotumėte savo švietimo išlaidas.

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Addictions—A Biblical Perspective

parašė , 2015-03-01 06:31

If we look at the issue of addictions, we don’t have to look far to discover it’s a cultural issue in America, though certainly not limited to America.  Whether one is referring to drugs, sex, shopping, gambling, power, hoarding or a host of other addictions, our culture and our world is permeated with one obsession after another.

Let’s begin by discussing what is included in the definition of “addiction”, and get into the real theological ‘meat’ of the issue:

What Addiction Is:

 An addiction is, first and foremost a sin.  One would be hard-pressed to find a biblical scholar who would dispute that.  Addiction is a sin that one can’t seem to put an end to because the addiction, itself, has such power over that person—an enslavement, quite literally.  It is a sin pattern that is extremely challenging to eliminate or even minimize.  It is a self-selected dependence to an idol; and that kind of enslavement isn’t so much imposed on us as it is chosen by us.   We choose to be a slave to addictions—food, money, shopping, alcohol, technology, video games, work etc. 

Though these things, in and of themselves in the proper context, are enjoyable and are not sinful, it’s when behaviors become our master that we have a problem.  When we lose the joy these types of activities can offer, we enter a realm, a dark realm, where it’s no longer about the pleasure but is, instead, about mastery and control—the only problem is, the addict isn’t the one in control!

Addictions are self-selected slavery .  You shackle yourself to your sin-of-choice and allow it to rule over you or even destroy you; and that ruling or destruction can include your body, your thoughts, your behaviors and your motives.  In this way, an addiction is different than a disease. 

Addiction—A Disease?

Though our culture typically places addictions in the category of ‘Disease’, the problem with that perspective is that, ultimately, it isn’t biblical because the person isn’t held fully accountable.  If the person with the addiction is considered to have a disease, that person is viewed, at least partially, as a ‘victim’– that person isn’t really to blame, he or she isn’t seen as a sinner, repentance isn’t the focus, and the triggers for the addiction can become an emphasis.   Once the triggers are established, one is guided on how to get the addiction ‘under one’s own control’ by reducing external and internal stimulation, esteeming oneself and making a genuine effort to improve one’s behavior and live a better life.  It would be far more (biblically) accurate to view an addiction as a sinful endeavor (though that may sound harsh); and view an addict as someone who doesn’t just have an obsession, but has a ‘worship disorder’. 

For many, it would be troubling to place cancer and a shopping addiction, for example, in the same category of ‘Disease’.   Someone who is battling cancer does have a very legitimate disease; and certainly didn’t choose to take on a potentially life-threatening condition, contrasted with someone with a shopping preoccupation who at some point in the past, made a determination to destroy their bank account or marriage due to reckless and continual consumption. 

Proverbs—Addictive Personality Types:

If we say to an alcoholic, “It’s not your fault!  You have a family history of the disease.  It’s understandable!” Here, we end up excusing the individual for a behavior he seemingly has no control over.  God and His Word, on the other hand, do hold that person accountable.  Even though social sciences delve into the physiology and psychology behind addictions, the Bible goes to the root of the issue—the human heart and the choices we humans all make.

As old as the Book of Proverbs is, it does speak of various forms of addictions.  There are people woven throughout the Bible, and clearly in Proverbs, who had various addictions—the adulteress who is addicted to sexual escapades.  She shows up in Proverbs 5 and 7; and continually cheats on her husband.  Then there are the sluggards mentioned in Proverbs who worship comfort and ease—they don’t want to work or go through any effort or inconvenience that might thwart their relaxation and leisure.  Their addiction is laziness.   How about the mention of those who exude greed—they are addicted to money and the pleasures and things money provides.   Proverbs also mentions those who worship themselves—the proud person who is addicted to, and worships, self.   Alcoholism and the drunkard who worships alcohol are also revealed in Proverbs.   The glutton is discussed who is addicted to food.  For the glutton, even today, food becomes that person’s god.  Food is what provides identity, comfort, security and companionship. 

As you read the Book of Proverbs, one discovers that addictions are readily revealed.  Overall, scripture does speak to addiction; the same types of addictions that are so prevalent today.   The real essence of addictive behaviors and the driving force behind them becomes very apparent.

Beware—Idol Worship!

If we cut to the chase, we realize that biblically speaking, what lies under any addiction is choosing an idol and, figuratively speaking, bowing down to it!   In today’s society, with all the professional intervention, the underlying issues of idolatry are not explored, unless one seeks expert counsel from a Christian therapist.   Secular interventions do not deal with the true root of addictions and as a result, even though genuine efforts might be made to stop drinking, smoking, drugging or hoarding, secular intervention still doesn’t lead to the underlying issues of idol worship.

So often, if one addiction is overcome, such as smoking for example, the first addiction of chain-smoking is many times replaced by a different addiction such as overeating–gluttony.  So what we have now is one addiction, being replaced by a different addiction, and the whole issue of idolatry is never recognized, dealt with and eradicated.  Or, if a person does overcome, say, drug abuse, that person may boast of how he, through dogged determination and self-will, was able to combat the addiction, and now we have pride manifesting itself—the person smugly accentuates his own glory and personal accomplishment.  Idols are simply shifted—the idol of nicotine is replaced with the idol of food and the idol of drugs is replaced with the idol of prideful self.

Addictions Come From The Enemy:

Many people, even Christians, when they think of idolatry, think of primitive people who bowed down to man-made carvings or statues.  But when the Bible speaks of idolatry, it does so in a much more robust, personal and practical way.   All the way back in Ezekiel 14, the first 8 verses speak of idols of the heart.  The lesson here, regarding idols, is much less about what we gaze upon or consume or hold in our hands and much more about what is in our hearts.   Biblically speaking, idolatry, or addictive behaviors, involves clinging to someone or something other than God that gives us pleasure or identity– running to someone or something to make our lives better and make us feel excited, fulfilled and/or satisfied.  Contemporary addictions including too much gambling, drinking, working, eating, video-gaming do, indeed, have their place under the heading of ‘idol worship’. 

Idolatry is one of the major themes that runs throughout the entire Bible.  Romans 1:25 says, regarding those who committed idolatry:  “They exchanged the truth of God for a lie and worshipped and served created things rather than the Creator–who is forever praised.  Amen.”   Romans 1:25 clearly tells us there is God, who is Creator; and there is creation.  We are to worship the Creator, not the creation.  Idolatry comes into play when there is an inversion and people cling to or worship creation rather than the One who made it all.  Food, relationships, drugs, sports—when we place too much interest and emphasis on these types of things where they become far too important, way too necessary and much too identifying, they, in reality, become a god.   In a contemporary world, then, we find ourselves doing exactly what Romans 1:25 is referring to!

Idol worship can take over your job, your family, your body, your life; and behind these addictive powers lie demonic forces—as if Satan is using these created things to enslave us so he can rule over us.  So when we’re dealing with people who are addicted to one thing or another, it’s not enough to tell them to do better, try harder, get on medications, ask them to see what their behaviors are doing to those who love them the most, or attempt to minimize the triggers.  If we don’t deal with the root cause of idolatry (the condition of the human heart), one way or another, an addict will continue to worship someone or something— money, power, fame, glory, status, consumption—and under it all, is an obsessive revering of something other than God! 

Scripture Makes It Clear:

Throughout the Bible, we are given distinct instructions to be aware of the dangers of addictions and run from them.  The single topic concerning too much drinking, for example, is revealed as something to take very seriously:  Titus 1:7 and 2:3; 1 Timothy3:3; 1Timothy 3:8 and 1Corinthians 6:10.   It becomes very clear that believers must not be dependent on alcohol or any other idol.   We are reminded: “love the Lord, your God, with all your heart and with all your soul and with all your might.”  An addiction to anything other than God is wrong; and to occupy ourselves with anything else, habitually, is idolatry. 

Also, Exodus 20:3 explicitly tells us that we are not to place our first interests or excessive affections towards anything or anyone, other than God, Himself:  “You shall have no other gods before me.”  Exodus 34:14 accentuates that same command: “Do not worship any other god, for the LORD, whose name is Jealous, is a jealous God.”

Additional Scripture Concerning Addictions:

God offers help in His word to break free of addictions.   Some verses give warnings while others give encouragement.  These are only a handful:

Proverbs 6:26-29–  “For by means of a whorish woman a man is brought to a piece of bread;  and the adultress will hunt for the precious life.  Can a man take fire in his bosom, and his clothes not be burned?…Whosoever toucheth her shall not be innocent.”

Romans 13:14– “But put ye on the Lord Jesus Christ, and make not provision for the flesh to fulfill the lusts, thereof.”

Ephesians 5:18-20– “And be not drunk with wine….but be filled with the Spirit….giving thanks for all things unto God…”

James 1:12– “Blessed is the man that endureth temptation…”

James 4:7– “Submit yourselves therefore to God.  Resist the devil and he will flee from you.” 

God’s Word tells us He can, and does, make old things new.  That which is broken, can be divinely repaired.  Through faith, prayer and genuine repentance, we have a God who is in the business of working miracles!    It is only through Him that we can break the chains of bondage, heal and have inner peace.

Revelation 21:5– “…Behold I make all things new ….”

Isaiah 42:9– “Behold, the former things are come to pass; and new things do I declare

Matthew 11:28– “Come to me, all you who are weary and burdened, and I will give you rest.”

What Almost No One Knows About Plans

parašė , 2015-02-24 06:25

Top Tips on Weight Loss and Fitness Losing weight can be a difficult thing to accomplish if you do not take the right approach. Many people who attempted to lose weight gave up halfway through because they don’t seem to be getting anywhere. Some even make up excuses because they find it too hard. These are just some of the most common mistakes that people attempting to lose weight make. Here are some of the most important things that you must keep in mind when trying to shed off those extra pounds and keep yourself in shape. Your diet can greatly affect your results in losing weight. Having a healthy diet can do wonders for your body. Sadly, there are people that seem to misunderstand what this tip means. Having a good diet doesn’t mean that you should skip certain meals. When eating, you should be more aware of the types of food that your body is consuming. The key is to burn more calories than you consume. If you are to become fitter after losing weight, you shouldn’t disregard the importance of exercise. People who are too shy to go to the gym can always ask their friends to accompany them. Going to the gym is not an absolute must though. Jogging or taking walks on a regular basis can help you lose weight and become fitter as well.
Smart Ideas: Plans Revisited
You will have better results if you keep your body active on a regular basis. If you do this, you won’t need to be at the gym every single day. But if you do decide to go to the gym, going two or three times a week should be enough. This will help you avoid getting burned out.
9 Lessons Learned: Resources
You should have a healthier lifestyle if you are to successfully lose weight. Making your body more physically active is just the first step. The types of food that you eat is also a factor. Becoming a vegetarian is not always the key though. If you have any vices, you might want to consider trying to discontinue them. It won’t be healthy to drink and smoke too much. Lastly, make sure that you surround yourself with positive people. These people should both be positive and supportive when it comes to your goal. It won’t help if people that are around you constantly remind you that the path is too difficult. They key to successfully losing weight is having the correct mindset. Do not expect to see instantaneous results. Results will only come if you work hard. It would be best for you to have expectations that are realistic. This is one way for you to avoid getting frustrated and burnt out. You will eventually achieve your goals as long as you keep these tips and pointers in mind.

Why No One Talks About Options Anymore

parašė , 2015-02-22 06:23

What You Need to Know About Spray Tan Equipment In the twenty first century, appearances are more important than ever before. The only way to get the clout that you deserve is to take your appearance seriously. It’s worth stating that there are several factors that can effect the way you look. Eating well is tremendously important. Eating healthily is the first step towards improving your appearance. Obviously, exercise is also a good idea. Ultimately, though, nothing is more important than tanning. This means that if you want to get an attractive look, spray tan equipment can help you. If you are pale, you are probably not as attractive as you could be. While tanning can give you the look that you want, it comes with a few drawbacks. For too many people, it’s only possible to tan when the weather is warm. This can cause your appearance to suffer in the cold winter months. Spray tan equipment, on the other hand, is functional at all times. Health is another concern. When you tan, your skin absorbs rays from the sun that can cause cancer. Tanning can also cause your skin to wrinkle. It should be stated that tanning outside is far from your only choice. By purchasing spray tan equipment, you can get the look that you need and protect your health. The majority of spray tan equipment is very reasonably priced. By doing your research, you can find spray tan equipment that meets your budget.
Finding Similarities Between Tanning and Life
To get started, you will need a spray tan solution. Obviously, you’ll want something that will work well with your skin. The ingredients can vary significantly from one solution to the next. Generally speaking, it makes sense to use a DHA-based product. A temporary bronzer is similar to makeup. Any time that you wash your skin, it will come off. By using a spray tan solution, though, you can get a consistent look for several days. This means that spray tan equipment can be a great way to get the look that you want.
Why No One Talks About Options Anymore
Be aware that there are a few things that you will need to do before applying your spray tan solution. If you want to get a good tan, you may want to think about how a tanning solution actually works. To get the best results, you should consider exfoliating your skin. Make it a priority to completely eliminate the dead parts on your skin’s surface. Elbows and heels should be specifically tended to. If you do not exfoliate, your spray tan will have streaks and inconsistencies. By preparing thoroughly, you can maximize the effect of your spray tan equipment.

The Art of Mastering Foods

parašė , 2015-02-18 07:37

What Are The Best Healthy Foods? Whole food is better than processed food. Processed food are full of preservative, sugar salt and others and also artificial additives. The processed food do not have enough minerals and vitamins than what are present in whole food. Prevent:: White Pasta Consider: Wheat free pasta, gluten free pasta, brown pasta, wholegrain pasta.
6 Facts About Meals Everyone Thinks Are True
Prevent: bread and white flour
The Essential Laws of Foods Explained
Select from: pumpernickel, oatcakes, rice cakes, whole meal bread and flour prevent: white rice Consider: oats, couscous, buckwheat, bulgur wheat, and millet, brown rice Refrain from: biscuits, sugar sweets, cakes consider: fruit- it may be dried or natural Processed food should be avoided so as to be healthy. Rather always choose organic and choose food that are cooked naturally. Milk products Dairy products are implicated to help you lose weight. Dairy products can help you get healthy by getting the fats from your digestive system. Also dairy products are also high in fat that is why it is also important that you choose food with low dairy products. You should have good choices of food such as tofu, low fat cheese, skimmed milk, soya cheese and live organic yogurt. Mostly greatest brand yogurt has high levels of sugar. Poultry meat and fish It has been proven that high consumption of red meat has given many diseases and also they are also high in saturated fat. The consumption of red meat should be limited so that you will stay healthy. When you have enough intake of fresh fish then you are giving yourself high levels of important fatty acids that can help you prevent you from diseases and heart diseases. You should combine fish and white meats especially sardines, herrings, mackerel and salmon in your diet so as to keep healthy. For healthy diet eat vegetables and fruits You should have good diet and you should have vegetables and fruits in your diet since they have low calories and high fibre contents. In your diet you should have more vegetables and fruits because it has low calories and has high fibre, vitamins, minerals and water which is good for your health. Fatty acids that are important These are needed by the body for a best health. These fatty acids can be seen in cold pressed oils, (sunflower, olive, walnut, safflower), like fish oils, avocados, nuts, seeds. Margarines and oils should be prevented since they are hydrogenated oils that are not good for the body. Refreshments Preserve a good level of hydration if important. The good choice for this drink products diluted fruit juice, water, mineral water, and herbal teas. You should drink moderately these drinks like tea, coffee and soda because they contain sugar and caffeine. To keep your body healthy you should be able to be aware of what you are eating and be mindful of what advantages it gives to you.

If you are after for engaging and you wish to be described as a get together of among the best programs in Ky

parašė , 2015-02-17 23:27

Many of the best golf courses in kentucky are just  a close this article. The Natrual enviroment Cumberland Golf Club is known for is huge pars and easy vegetables. Neighborhood expert regularly arise below to advancement their computer game and produced their expertise for activities. This playing golf training course is probably the best golf courses in Kentucky. Make no oversight about it when this course was exchanged an impressive 6 million was spent restoring this system and everything it services. You may get a good lessons using a professional known as Tyson, utilize the touring assortment or appreciate all 18 crying. Should you be looking for a fun time and you also wish to be a party of one of the better classes in The state of kentucky the stream Cumberland Vegetables is always to are interested in.  So seriously along and engage in several pockets and you also is not going to desire to keep.

The Art of Mastering Cures

parašė , 2015-02-17 05:55

What Are The Effective Ways To Cure Gynecomasia? Gynecomastia or popularly known as enlarged male breast tissues does happen during puberty stage as a result that the testosterone did not produce enough and the estrogen’s production is increased. Boys should not worry about this since this stage is normal during their puberty. At 25 your enlarged male breast tissues should already be gone to be considered as normal. Then this would indicate that your enlarged male breast tissues are not cause by hormonal imbalance so this the right time to find a cure for gynecomastia. What are the effective ways to cure gynecomastia? 1. always do exercise and keep healthy to lose weight
Why No One Talks About Options Anymore
Before you jump to medications and surgery then you should always pick an option that is friendly to your health like keeping a healthy lifestyle and eat healthy in order to lose weight. Fatty food should be avoided so as to prevent from gaining unnecessary weight. You can do exercise such as regular jogging, biking, running, swimming, cross- country and some strenuous exercise that would help you be fit. Doing heavy weight lifts can actually help you in reducing the fats on your breast tissues.
The Essentials of Treatments – Revisited
2. see an expert medical advice There are several causes that may lead to gynecomastia. To find the most suited condition for your gynecomastia or your enlarged male breast tissues then you should the cause of your condition to be able to find the right way of medication. Go see a doctor and ask the reasons why your breasts are swollen so as to find the most suited medication. Gynecomastia and enlarged breast tissue can be a result from hepatic condition, hyperthyroidism or hypogonadism. 3, start pills medication Know the most effective gynecomastia pills, Tamoxifen and clomiphne, an estrogen receptor modulator, are medications that can help in the reduction of the enlarged breast tissues of men but before taking these you should seek a doctor’s advice. 4. engage yourself in surgery for the reduction of enlarged breast tissue of the men This is the last resort cure when all the other ways failed. When choosing an option like this then this may involve surgical procedures like liposuction, reduction mammoplasty, skin sculpture, gland excision and others. Gynecomastia is considered by insurance companies as a cosmetic surgery that is why when you consider checking your medical insurance then this may not be catered by some of the insurance companies. Before getting yourself in a surgery, you should be able to talk your doctor and let him discuss about the risk, advantages, disadvantages, side effects of getting a surgery. Having an enlarged breast tissue especially with men is embarrassing to the society since this is not normal and since our society’s norm is men should be fit and ,masculine. There are a lot of ways in getting rid of men’s enlarged breast tissues but when all of these fail then consider taking this idea of surgery. You should also put in mind that surgery is not the only option, you should find some ways that is not too risky and not expensive.