Tag Archives: High

New Study: Students in Early College High School Initiative Drastically A lot more Likely to Go to College and Earn a Degree

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Washington, DC (PRWEB) June 26, 2013

Students who attend an Early College higher school are significantly a lot more probably to enroll in college and earn a degree than their peers, according to the benefits of a rigorous, multi-year study of 10 schools that have been element of the Early College High School Initiative (ECHSI) produced by the Bill &amp Melinda Gates Foundation.

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The Early Colleges in this study yielded important and meaningful improvements in virtually each student outcome examined, stated Andrea Berger of the American Institutes for Investigation (AIR), who led the project.

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In 2002, the Foundation launched ECHSI to increase possibilities for underserved students to earn a postsecondary credential. Because then, more than 240 Early Colleges have opened in the United States. Early Colleges partner with colleges and universities to offer you students the likelihood to earn an associates degree or up to two years of college credits toward a bachelors degree for the duration of higher school at tiny or no cost.

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The study compared outcomes for students admitted through a lottery to an Early College with outcomes for students who had been not admitted. Crucial findings of Early College, Early Good results: Early College Initiative Influence Study, include:&#13

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Early College students have been significantly far more like to graduate from high college than comparison students. Eighty-six % of Early College students graduated from higher school and 81 percent of comparison students graduated from high school.&#13

Early College students have been substantially much more probably to enroll in college than comparison students. For the duration of the study period, 80 % of Early College students enrolled, compared with 71 % for comparison students. Early College students were also more likely than comparison students to enroll in each two-year and in 4-year colleges or universities. &#13

Early College students had been drastically a lot more most likely to earn a college degree than comparison students. Up to 1 year past high college, 21 % of Early College students earned a college degree (normally, an associates degree), compared to only 1 percent for comparison students. Because they start earning college credits in high school, Early College students need to full college degrees earlier than comparison students.&#13

The influence of Early College on higher school graduation and college enrollment did not differ significantly primarily based on gender, race/ethnicity, household revenue, 1st-generation college-going status, or pre-high college achievement. The effect on earning a college degree was stronger for female, minority and decrease revenue students than for their counterparts.

Although the findings from this study are applicable only to the 10 Early Colleges integrated in the study sample, they provide sturdy proof for the positive impacts of Early Colleges on students In addition, Early Colleges appeared to mitigate the traditional educational attainment gaps in between advantaged and disadvantaged students, the authors wrote in the report.

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The ten Early Colleges examined utilised admissions lotteries for the academic years 2005-06, 2006-07 and 2007-08. The overall study sample included 2,458 students. The principal student outcomes for the study have been higher college graduation, college enrollment, and college degree attainment. Data came from administrative records from schools, districts, and states the National Student Clearinghouse (NSC) and a survey administered to students. Due to privacy issues, the Early Colleges are not identified in the study.

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To read the complete report, go to http://www.air.org.

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About AIR &#13

Established in 1946, with headquarters in Washington, D.C., the American Institutes for Analysis (AIR) is a nonpartisan, not-for-profit organization that conducts behavioral and social science study and delivers technical assistance each domestically and internationally in the regions of overall health, education and workforce productivity. For much more information, check out http://www.air.org.

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YieldShares High Earnings ETF (YYY) Launches

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Chicago, IL (PRWEB) July 01, 2013

YieldShares LLC, the Wheaton, Illinois sponsor of exchange-traded funds (ETFs), has launched the YieldShares High Income ETF (NYSE Arca: YYY). YYY supplies investors with price-efficient access to 30 closed-finish funds distinguished by their mixture of yield, discount to net asset value and liquidity. The CEFs are selected by the ISE High Income Index and are diversified across asset classes, investment strategies and portfolio managers.

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The ISE Higher Revenue Index follows a methodology focused on two appealing characteristics of CEFs: revenue and the potential to acquire CEF shares beneath their net asset value, mentioned Christian Magoon, Chief Executive Officer of YieldShares. The goal of the YieldShares High Revenue ETF (YYY) is to provide that investment strategy in the transparent, hassle-free and liquid kind of an ETF. The outcome is a expense-effective answer providing investors access to some of the largest CEF asset managers.

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The YieldShares High Income ETF (YYY) has licensed the ISE Higher Income Index as its underlying benchmark. The Index selects CEFs based on three major criteria: fund yield, discount to net asset value and liquidity. The 30 CEFs that are ranked highest all round by ISE turn into the Index. The holdings are then linear weighted with a four.25% cap on the weighting of any single CEF upon index reconstitution. The YieldShares Higher Earnings ETF (YYY) expects to spend distributions to investors on a month-to-month basis.

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ABOUT YIELDSHARES

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YieldShares is an ETF Sponsor founded by ETF veteran Christian Magoon. The firm is focused on earnings investing and seeks to expand access to distinctive earnings investment techniques by means of ETFs. YieldShares believes that thoughtful income investing starts with diversification across a range of asset classes, investment approaches and investment automobiles. For far more info, please check out YieldShares.com.

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Carefully consider the Fund’s investment objectives, danger elements, charges and expenses ahead of investing. This and further data can be identified in the Fund’s prospectus, which may possibly be obtained by visiting http://www.yieldshares.com. Study the prospectus cautiously just before investing.

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Investing includes risk, including the attainable loss of principal. Since the Fund is a fund of funds, its investment efficiency largely depends on the investment overall performance of the Underlying Funds in which it invests. An investment in the Fund is topic to the dangers connected with the Underlying Funds that comprise the Index, such as risks connected to investments in derivatives, REITs, foreign securities and municipal securities. Fixed-revenue securities’ rates normally fall as interest rates rise. Higher yield securities are subject to the enhanced threat of an issuer’s inability to meet principal and interest payment obligations. These securities may be topic to higher value volatility due to such variables as distinct corporate developments, interest price sensitivity, damaging perceptions of the non-investment grade securities markets, actual or perceived adverse economic situations, and decrease liquidity. Preferred stock is subject to many of the dangers related with debt securities, including interest price risk. In addition, preferred stock might not spend a dividend, an issuer may suspend payment of dividends on preferred stock at any time, and in particular circumstances an issuer may contact or redeem its preferred stock or convert it to common stock. International investments may also involve risk from unfavorable fluctuations in currency values, differences in generally accepted accounting principles, and from financial or political instability. There is no assure that the fund will meet its investment objective.

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The Fund will pay indirectly a proportional share of the fees and expenditures of the Underlying Funds in which it invests, such as their investment advisory and administration fees, in addition to its personal fees and expenses. In addition, at times particular segments of the industry represented by constituent Underlying Funds could be out of favor and underperform other segments.

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Exchange Traded Concepts, LLC serves as the investment advisor, and Index Management Solutions, LLC serves as a sub advisor to the fund. The Funds are distributed by SEI Investments Distribution Co., which is not affiliated with Exchange Traded Ideas, LLC or any of its affiliates.

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Credit Heaven Announces their Rate Busters Program to Slash Interest Rates for High Interest Loans and Credit Cards

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Miami, Florida (PRWEB) September 9, 2008

Ada Johansen, President of Credit Heaven, the nation’s premier credit repair firm, today announced that Credit Heaven will implement their new Rate Busters program.

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“I have long supported a systematic and streamlined approach to loan modifications and interest price reduction,–reaching an enhanced return for creditors compared to foreclosure, collections and defaults,” said Johansen. “The system we are announcing nowadays will offer reasonably priced solutions for eligible customers. It gives a systematic method for modifying troubled loans — a industry exactly where we are seeing developing defaults. This system will minimize future defaults, increase the worth of the loans, cut servicing charges and salvage those consumer’s credit ratings. Our objective is to get the greatest recovery possible on loans in default or in danger of default, although helping troubled borrowers remain in good credit standing. I think we accomplish that with this framework.”

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Johansen continued, “Collections and defaults are frequently a lengthy, costly and destructive method to both creditor and borrower. Avoiding default not only strengthens consumers’ credit scores and their economic strength, but decreases accounts that go to collections for the creditors. This is a ‘win-win’ plan all about.”

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The Rate Busters plan is only obtainable to clients already enrolled in Credit Heaven’s credit repair services. They cannot guarantee good results but as with all other solutions provided by Credit Heaven, customers only pay if the service is profitable. Please pay a visit to http://www.CreditHeaven.com or contact 1 888 474 4705 for a lot more info.

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More Loan Modification Services Press Releases

High Delinquency/Low Inventory Puzzle Will Be Among Subjects Examined At I Survived Actual Estate Gala

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Yorba Linda, CA (PRWEB) August 04, 2012

Real estate professionals who are trying to make sense of contradictory industry behavior, which includes higher levels of mortgage delinquencies and a record low inventory, can find out about the latest market trends from prime specialists at the upcoming I Survived Actual Estate charity gala.

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High prices of default generally outcome in numerous properties entering the market through the foreclosure method, but the housing marketplace has been anything but standard lately. That has produced it challenging for real estate experts to formulate effective business models.

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Add in the efforts of federal regulators and legislators seeking to enhance the economy and solve the real estate mess, plus a new work underway by regional municipalities to condemn chosen mortgages through eminent domain, and there has never been a greater time to take benefit of the insights available by way of this special occasion.

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From the Certified Residential Mortgage debate raging in Washington, D.C. to the use of eminent domain on mortgages, real estate pros are operating in a market place complete of uncertainty, according to Bruce Norris of The Norris Group, which is presenting I Survived Genuine Estate for the fifth consecutive year.

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California is experiencing record low inventory in mixture with continued higher levels of delinquency. The banks dont foreclose and now the lack of inventory has every person from the would-be customer that foreclosed a couple of years ago to Wall Street firms hungry for rentals not becoming capable to purchase a lot of anything.

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Inventory shortage, default rates, loan modifications, eminent domain, and ongoing regulation will be just a couple of subjects up for discussion at I Survived Genuine Estate, which is organized every single fall by The Norris Group and attributes some of the most respected voices in genuine estate. This years lineup contains:&#13

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US Property Purchasers Have A Much better Opportunity To Gain A High quality Residence Loan

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Minneapolis, Minnesota (PRWEB) October 02, 2012

Acquiring A Home With A High quality Loan The OCC Mortgage Metrics Report, released September 2012, covers 30.5 million very first-lien mortgages worth $ 5.two trillion in outstanding balances, about 60 percent of all first-lien mortgages in the United States. Buying a property is now much more inexpensive than it has been in the final many years, thanks to home owners improved capability to gain a good quality loan.

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“As credit high quality stabilizes, it is less difficult for prospective home buyers to obtain a top quality loan that makes it feasible to acquire and for underwater homeowners to obtain a property loan modification that they can live much more comfortably with”, says Jenna Thuening, owner of Residence Destination.

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The OCC Mortgage Metrics Report for 2012’s Second Quarter provides real estate experts and economists a summary of the percentage of mortgages that were present and performing. At the finish of Q2, 88.7 percent of U.S. property owners are current of their property mortgages compared to 88.9 percent in the first quarter and 88.1 % at the end of Q2 in 2011. The report incorporated details for residence purchasers that “HAMP attempts to boost payment sustainability by targeting month-to-month housing payments at 31 percent of borrowers earnings”.

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The Q2 Disclosure of National Bank and Federal Savings Association Mortgage Loan Data report released by the Workplace of the Comptroller of the Currency (OCC) show that home owners have a greater chance to acquire a home because it is simpler to get a top quality loan. Minnesota had 1,485 house loan modification in Q2 of this year, with .7% gaining a mortgage term extension and .two% gaining a principal deferral. 430 of the modifications had been through HAMP.

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Highlights of the OCC Report Incorporate:&#13

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The percentage of mortgages that have been 30 to 59 days previous due was two.8 %, up 12.1 percent from the prior quarter but down 7.five percent from a year ago. &#13

Seriously delinquent mortgages60 or a lot more days previous due or held by bankrupt borrowers whose payments are 30 or much more days previous duefell to their lowest level in three years.&#13

The percentage of mortgages that have been seriously delinquent was four.four percent, down .8 % from the prior quarter and 9.two % from a year earlier.&#13

The average loan modifications implemented in the Q2 of 2012 decreased borrowers month-to-month principal and interest payments by 24.six%, or $ 381. Modifications created beneath the Home Reasonably priced Modification Program (HAMP) lowered payments by 35.three percent on average, or $ 576.&#13

The quantity of completed foreclosures decreased 16.1 % from a year ago to 101,735.&#13

Maybe the very best news -quick sales elevated by 5.7 percent from the prior quarter and 12.four % from a year earlier, which means fewer foreclosures.

The OCC Report contributes year-more than-year improvements to strengthening financial conditions, servicing transfers, and the ongoing effects of each home retention loan modification programs and residence forfeiture actions. It is simpler for underwater mortgages to refinance and prospective residence purchasers to get a much better good quality loan due to far more current modifications that prioritize property loan affordability and sustainability.

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The Federal Reserve Mortgage Debt Outstanding Report for September also shows an improvement show a slight improve for all holders to 13,216,356 in Q2 over 13,292,581 in Q1 of this year.

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Modifications that decrease mortgage payments happen when loan servicers elect to lower homeowner’s interest rates, extend the amortization period, defer principal or forgive principal. The reduced payments can make purchasing a residence far more cost-effective to borrowers and far more sustainable over time.

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Minnesota had 1,485 residence loan modification in Q2 of this year, with .7% gaining a mortgage term extension and .2% gaining a principal deferral. 430 of the modifications have been through HAMP.

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House Destination services Minneapolis and St Paul area homeowners and assists individuals who are hunting to buy a home and gain a high quality loan to do so. Jenna Thuening assists buyers discover the appropriate house and provides resources to support home owners achieve the greatest possible property loan.

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A lot more Loan Modification Services Press Releases

Loan Officer Jobs In Orange County CA Are In High Demand As Loan Originations Are On The Rise

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Orange County, CA (PRWEB) February 04, 2013

It was only a handful of years ago when you couldn’t locate a job anyplace in Orange County if you had been a loan officer. Following the housing bubble, numerous loan officers got into the loan modification company. But now with interest rates being so low and the industry stabilizing in particular areas, licensed loan officers are in demand. AnikimCreditCorp.com a nationwide recruiter for mortgage bankers and brokers, is combing their databases for originators that are licensed and prepared to function. Mortgage loan officer jobs in Orange County CA have been on a steady climb more than the final year, but the final quarter has been intense. To learn much more about the opportunities obtainable in Orange County California visit, http://AnikimCreditCorp.com.

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All the mortgage markets in Southern California appear to be hot, at least for needing new mortgage originators. Reverse mortgage San Diego lenders are also obtaining a challenging time locating qualified folks to represent their banks. Also, numerous reverse mortgage Orange County firms are competing with regular lenders as properly brokers fighting to locate licensed agents. It appears to be an all-out frenzy to grab everyone they can to manage the call volume. The want for loan officers in Orange County does not look to be going anyplace anytime soon. To view some of the recruiting videos launched by the mortgage recruiter pay a visit to, http://www.youtube.com/watch?v=Ibx_UqBYKYM

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When loan officers are entering into the mortgage organization for the 1st time they appear to adapt to the guidelines and regulations nicely, says a representative of the recruiting organization. Its when the folks that are obtaining back into it following a few years that are amazed with all the new specifications. A lot of factors have changed for mortgage originators considering that 2008, and some uncover themselves overwhelmed with receiving effectively licensed. Also, a lot of dont recognize the time it can take to get licensed, from test, to application, to approval. One particular must take the National exam and pass, then go a single and take every single state that they want to originate in. This is time consuming and pricey, to be in a position to do loans in a handful of states takes months and a number of thousand dollars. For this explanation, there are not numerous mortgage loan originators in Orange County, causing a shortage.

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The firm is employing every single marketing approach in the book to acquire new agents for their partners. Social media, video campaigns and making use of job posting web sites on-line is helping the firm to satisfy some of the clientele. But with the steady require for new loan officers, its difficult to locate certified agents for all.

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About the organization Anikim Credit Corp. was started following the mortgage crisis to assist struggling loan officers and net branches find mortgage banks that have been capable to sustain via the tough instances. Considering that then the company has built relationships with banks and brokers throughout the county and helps spot originators with the proper locations to fund loans.

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PayZang Introduces Virtual Verify For High Threat Merchant Accounts To Accept On the web Payments

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Salt Lake City, Utah (PRWEB) March 28, 2013

PayZang, one particular of the quickest growing payments platform for on the web and eCommerce, announced right now that it is launching a new payment product, Virtual Check, to allow merchants in require of a high risk merchant account to accept payment securely over the telephone or online in an effortless way. Virtual Check is a new breed of payment item that utilizes CheXshield, the new standard in ACH and check verification, to take away fraudulent Check and ACH transactions from negative verify writers.

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Virtual Verify is designed specifically for the following industries:&#13

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