Terms & Conditions

We have recently updated our Terms and Conditions. Please read and accept these updated terms and conditions in order to access the iMarket Coaching community website.

Terms Last updated: February 25, 2019.

Please read these Terms of Use ("Terms", "Terms of Use") carefully before using the imarketcoaching.com website (the "Service") operated by iMarket, llc ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Accounts



When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Intellectual Property



The Service and its original content, features, and functionality are and will remain the exclusive property of iMarket, and its licensors.

Links To Other Web Sites



Our Service may contain links to third-party web sites or services that are not owned or controlled by iMarket, llc.

iMarket, llc has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that iMarket, llc shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Termination



We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Disclaimer



Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

Governing Law



These Terms shall be governed and construed in accordance with the laws of United States without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes



We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us



If you have any questions about these Terms, please contact us.

Current Version: 1.0

Previous Version Date: March 20, 2019

Privacy Policy

We recently updated our Privacy Policy. Please read and accept this updated privacy policy in order to access the iMarket Coaching community website.

Privacy Policy Last updated: February 25, 2019.

iMarket, llc ("us", "we", or "our") operates the imarketcoaching.com website (the "Service").

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at imarketcoaching.com.

Information Collection And Use


While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information ("Personal Information") may include, but is not limited to:
  • Name
  • Email address
  • Telephone number
  • Address

Log Data


We collect information that your browser sends whenever you visit our Service ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Google AdSense & DoubleClick Cookie


Google, as a third party vendor, uses cookies to serve ads on our Service.

Cookies


Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive.

We use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Service Providers


We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Security


The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Links To Other Sites


Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy


Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.

Compliance With Laws


We will disclose your Personal Information where required to do so by law or subpoena.

Changes To This Privacy Policy


We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us


If you have any questions about this Privacy Policy, please contact us.

Current Version: 1.0

Previous Version Date: May 22, 2018

Student Loans: Tips, Tricks And Helpful Hints You’ll Find Success With

Make it a point to be aware of all the important facets of your student loans. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan. These three details all factor heavily into your repayment and loan forgiveness options. This is must-have information if you are to budget wisely.

TIP! Always be mindful of specific loan details. Know your loan balance, your lender and the repayment plan on each loan.

Most students today are unable to finish their higher education without the use of student loans. The way to exit school and still be in good financial shape is to know everything you can about how student loans before getting any. Read on and learn all that you need to know in advance of applying for student loans.

Don’t worry if you can’t pay a student loan off because you don’t have a job or something bad has happened to you. Most lenders can work with you if you lose your job. However, this may negatively affect your interest rate.

TIP! Don’t worry if you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Usually, many lenders let you postpone payments if you are able to prove hardship.

Always be aware of what all the information pertinent to your loans. You need to watch what your balance is, who the lender you’re using is, and know your lenders. These details all affect your repayment options. This will allow you to budget wisely.

Don’t panic if you aren’t able to make a loan payment. Job loss and health crises are bound to pop up at one point or another. There are options that you have in these situations. Just remember that interest will continue to build in many of these options, so try to at least make payments on the interest to prevent your balance from growing.

TIP! Don’t panic if you cannot make your payments on your student loans. Life problems such as unemployment and health complications are bound to happen.

Always stay in touch with all of your lenders. Make sure they know if your contact information changes. Take any necessary actions needed as soon as possible. Missing an important piece of mail can cost you valuable money.

A two-step process can be used to pay your student loans. Begin by ensuring you can pay the minimum payments on each of your loans. If you have money left over, apply that to the loan that has the highest interest associated with it. This will reduce how much money spent over time.

TIP! There are two main steps to paying off student loans. Make sure you pay the minimum amount due each month.

Focus on paying off student loans with high interest loans. If you base your payment on which loans are the lowest or highest, you may pay more interest that you have to.

Focus on paying off student loans with high interest rates. If you base your payment on which loans are the lowest or highest, there is a chance that you will end up owing more money in the end.

TIP! The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong.

The prospect of monthly student loan every month can be hard for people that are on an already tight budget. There are rewards programs that can help with payments. Look at websites such as SmarterBucks and LoanLink programs that can help you.

How long is your grace period between graduation and having to start paying back your loan? For Stafford loans, you should have six months. Perkins loans have a nine-month grace period. The time periods for other student loans vary as well. Know when you are to begin paying on your loan.

TIP! Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender.

Many people apply for their student loans and sign paperwork without reading what they are getting into. This is one way a lender to get more money than they are supposed to.

Choose the payment option that is best suited to your needs. Many student loans offer 10 year payment plans. There are other ways to go if this is not right for you. As an example, it may be possible to extend your payment time, but typically that’ll include a higher interest rate. Another option some lenders will accept is if you allow them a certain percentage of your weekly wages. It’s even the case that certain student loans are forgiven after a certain time period, typically 25 years.

TIP! Make sure your payment option fits your specific situation. 10 years is the default repayment time period.

Stafford and Perkins are two of the best that you can get. These are the most affordable and most affordable. This is a great deal because while you may want to consider. The Perkins loan interest rate of five percent. The Stafford loans are subsidized come at a fixed rate that will not more than 6.8%.

Pay off the largest loan to reduce the total principal. The less principal that is owed, the less you’ll have to pay in interest. Hone in on large loans. After you have paid off your largest loan, continue making those same payments on the next loan in line. Make minimal payments on all your loans and apply extra money to the loan with the greatest interest in order to pay off all your loans efficiently.

TIP! Reduce the principal by paying the largest loans first. If you don’t owe that much, you’ll pay less interest.

If your credit is abysmal and you’re applying for a student loan, you will most likely need a co-signer. It is critical that you keep current with all your payments in a timely manner. If you’re not able to, then whoever co-signed your debt will be held liable.

Get many credit hours each semester. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster. This will help in reducing your loan significantly.

TIP! To get more from student loan money, try taking as many credits as you can. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster.

PLUS loans are known as student loans for parents and graduate students. They have a maximum interest rate that is not more than 8.5 percent. This is a bit higher than Perkins and Stafford loan, but the rates are better for private loans. This may be a good alternative for students further along in their education.

Stafford and Perkins loans are two of the best that you can get. They are cheap and safe. They are a great deal because you will get the government to pay your interest during your education. Perkins loan interest rates are at 5 percent. On a subsidized Stafford loan, it will be a fixed rate of no larger than 6.8 percent.

TIP! The Stafford and Perkins loans are the best options in federal loans. Many students decide to go with one or both of them.

Your school could have an ulterior motive for recommending you to borrow from certain lenders. Some lenders to use the school name. This is frequently not be in your best interest. The school may receive some sort of payment if you agree to go with a kickback from the lender. Make sure you grasp the nuances of a particular loan prior to accepting it.

Heed caution when dealing with private loans. Finding out the specific terms can be challenging. You may only find out after signing the document. And at that moment, it may be too late to do anything about it. Try to get every bit of information you can obtain. Check with different lenders to make sure you are getting the best offer.

TIP! When it comes to private student loans, exercise extreme care. The terms of such loans can be difficult to ascertain.

Don’t think that you can default on your debt back. The federal government will go after you. They can take your income taxes at the end of the year. The government even has the right to claim 15 percent of all your disposable income. You could end up worse off than before in some circumstances.

Do not simply apply for loans and let that be the end of it. Save your money up in advance and do not forget to apply for scholarships. The Internet is your friend here; you can find a lot of information on scholarships and grants that might pertain to your situation. Try not to delay and get out and get looking as quickly as possible.

Double check your application doesn’t have errors. This will impact the types of student loan if something is wrong. Ask for help if you need it.

When applying for loans, be sure you provide accurate information. Your accuracy may have an affect on the amount of money you can borrow. If there is any doubt in your mind that you filled it out right, you should consult a financial aid rep at your school.

TIP! Double-check your application for financial aid to ensure that it is free of errors. This will impact the types of student loans that are offered to you.

Get a meal plan on campus; this will save you money in the most of your student loans.This allows you to not worry about what’s on your plate each time you eat because each meal is a flat fee for every meal.

Communicate with the lender or whoever is making the loan to you. This is important because you should know everything about your loan including what is stipulated by your repayment plan. Your lender may also be able to provide you with valuable tips for repayment.

Try to get a job at your college to help augment student loans costs. This will assist your overall finances and also give you must borrow.

Look for a job that will bring in some secondary income. In this way, you will be able to offset certain expenses in ways besides loans, and you will be able to enjoy a bit of spending money as well.

TIP! C

Make certain you are fully aware of your repayment terms are. It is vital that you are aware of your choices before agreeing to the loan terms. You must find this out what to do about these things prior to signing anything.

When you are staring at a high loan balance for a student loan, try to stay calm. This may seem overwhelming; however, you can gradually pay it back. If you stay on top of it, you can make a dent in your debt.

TIP! Take a deep breath when you seriously contemplate the depth of your student loan balance. The balance looks big, but if you stretch out payments over a long length of time, it won’t look so bad.

If you currently want to further your education, you know that taking out a student loan may be a necessity. Most people will have to deal with them until the price of education decreases. Now that you went over the great guidelines this article gave you about student loans and debts, you should be a little more confident about this all.

Make sure you understand what your repayment terms are. Some types of loans have a designated grace period or are eligible for a forbearance or other options. You should know your options. It is best to know this information prior to requesting a loan.

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