2018-08-01 / Features

Internet In Bloom for The Layperson

By Ted J. Bloom

Ted Bloom, MLS., MSEd., CPL.,CKMI., NP has been a published columnist in New York since 1999. A CDCR law librarian and instructor with two graduate degrees, some of his credentials include, creating and running a career preparation computer lab for at-risk youth through the U.S. Department of Labor, as well as being a NYS Notary Public, SUNY Communications Instructor, a YMCA Director and a Certified Krav Maga Instructor.  His first book The Librarian's Guide to Employment in the Information Age is now available on Amazon.com.Ted Bloom, MLS., MSEd., CPL.,CKMI., NP has been a published columnist in New York since 1999. A CDCR law librarian and instructor with two graduate degrees, some of his credentials include, creating and running a career preparation computer lab for at-risk youth through the U.S. Department of Labor, as well as being a NYS Notary Public, SUNY Communications Instructor, a YMCA Director and a Certified Krav Maga Instructor. His first book The Librarian's Guide to Employment in the Information Age is now available on Amazon.com.Know anyone paying back a student loan?  It took me over a decade to pay back my student loans.  Those were lean years too.  I would like to help you avoid the mistakes I made.  For example, I should have become an attorney, stock broker or physician if I wanted to make money--not a librarian, which has to be a calling because of its median pay in the US.  That is if you can find a librarian position open because typically someone has to retire or pass away in Library-land for there to be an opening.  Librarians love their work. However, there may be some exceptions if one is willing to risk their life daily working in a prison, for example.  Most won't work in corrections.  I have heard excuses such as, "...my parents won't let me..." from adult jobseekers.

Moreover, www.StudentLoanHero.com (SLH) is a rare, altruistic website with a multitude of resources. It is an unbiased solution to organize, manage, and repay student loans.  SLH was created by CEO Andy Josuweit after years of struggling with his own $107,000 student debt.  SLH is free to use with some of the following categories to assist the student borrower:  Refinancing, Forgiveness, Consolidation (Lower Payments), Parenting, Income-driven Repayments, Defaults and Delinquency, Blogs and much more.  Whatever you do: Stay away from predatory lenders that jack up loan interest by 1000% or more.  They are typically located in the poorest neighborhoods and pray on the uneducated student with cute names like: EZ money, pay-off--who doesn't love getting paid--rocket-blast-off, U-B-rich and that type of too-good-to-be-true sounding name.  Don't be fooled. Credit unions typically offer better interest rates than banks.  Internet in Bloom has had columns in the past that listed colleges that still offer free tuition.  They exist, however, the majors are limited and they often have unique terms or locations, such as having to enlist in the military for eight years after graduation or working for the campus in your field for the whole duration of your degree.  Read the fine print after you use your favorite search engine, such as www.DuckDuckGo.com, which is my preferred search engine as it does not track your Internet Protocol location with cookies, aka, small attached files.

www.Scamicide.com as its name sounds is the creation of Attorney Steve Weisman designed to educated the consumer about the perils of identity theft and cybercrime occurring across a variety of mediums such as websites, e-mail and our phones.  Some of the website's categories are:  List of Scams, Scam of the Day, Trending Scams, FTC Scams, Top Ten Scams, What-to-do-When-Scammed.  The site also posts useful videos and related literature. 

Vigilance!

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