Tips
College Savings 101
Here are some of the terms you’ll see tossed around in your quest to pay for higher education:
529 Plan: An education savings plan managed by your state or individual educational institutions. Named after section 529 of the Internal Revenue Code, it's designed to help families save funds for future college costs without incurring capital gains tax once those funds are tapped.
FAFSA: Short for Free Application for Federal Student Aid, this form is a need-analysis document formulated by the U.S. Department of Education. All parents and students should fill this form out, regardless of financial circumstances.
PLUS Loan: Stands for Parent Loans for Undergraduate Students. A federally sponsored loan program, this allows parents to borrow up to the cost of their children’s education, minus other financial aid. Unlike other financial aid loans, this one is not based on need.
Pell Grant: A federally funded grant program awarded to students with substantial need, generally those from lower income families.
Perkins Loan: This federally funded, need-based program provides low-interest loans and is administered through the school’s financial aid office.
Stafford Loan Program: This federally funded program provides low-interest loans and is administered through banks and other lending institutions.
Author: Julian Caden
Topic: Pregnant at 52 after reunion love spell
Testimony:
-My marriage was falling almost dead due to a bit argument, depression, feelingless and numbed attitudes of my Hubby, he preferred being silent so as to hurt me.
-Although there’re days he has been fine and good to me, we cook, eat and do things together, but we still like stepping on a dozen of eggs, we were not at ease as like before when our marriage was still in an excellent shape. Most times after saying some hurtful words to me like; I cannot bear his children anymore cos of my age. He says sorry and apologize cos he knows that he’s acting passive, numbed and feelingless to me and frustration hits him back again and again.
-I truly love my Hubby and feels guilty of our misfortune, I have always wanted to trace back my wrongs and make some amendments so we can live as a happy family with our children by our side. I was tired of seeing him hurt inside.
-He eventually served me with a divorce letter after 18 years of our blessed marriage. His reason was that we could never work things out together again, I couldn’t bear his children, shutting him off to be involved in my life and affairs, he feels numbed when he thinks of those circumstances.
-I was deeply hurt before consulting Dr. Wakina Love Temple, even though I tried day by day to adjust to the woman of his choice but he didn’t see my efforts.
-At the end, I was put in a better position with my Hubby by Dr. Wakina love spell via his email dr.wakinalovetemple@gmail.com. I’m 7 months pregnant already at 52. It’s a magical work of Dr. Wakina that restored our dream.
I am in my early 40s and have never had a happy relationships or marriages because of the terrible mistake I made in my youthful age (15 years ago), though I have been married for 3times now. This story is ugly but I must share it to clear my conscience and pave the way for a new beginning in life. I broke two homes; their marriage did not mean anything to me as much as I gets what I want. It was fun until I got married, then karma started. My first husband was a cheating machine with both women and men, the second was nothing to write home about. I visited a therapist immediately the second left, to make sure I do not have broken home again, but the third which I have married for a year and two months took in another girl and demanded I leave his house. I did not see that one coming. To cut it shot; dr. wakina via (dr.wakinalovetemple@gmail.com) showed me mercy by rewriting history with a special love spell. Asked me to first go and plead for forgiveness from the homes I broke before the spell can take effect, it was not an easy task, in fact it was a suicide mission but was success. The spell took effect immediately I forgave myself, something strange began to happen, I saw shadows running off my body that morning, my husband who despised me so much did not only call but came to pick me from work to a romantic dinner. Over a year now, my husband has remained a loving and romantic man. I learnt my lesson. Thank you doctor wakina.
Sometime late September last year, I needed help for a bring back love spell after reading great reviews on Dr. Wakina and his love spell. I had a situation which I desperately needed a supernatural help on, every physical efforts made to rescue my husband has always failed. My husband stopped loving and caring for me and our children after 7 years of happy home. He did so much wrong to me, I encountered so many domestic violence from him, he turned into a professional liar, and the worst of all, and he started using drugs and alcohol. I couldn’t bear his torture anymore when he wanted a divorce. I couldn’t afford to lose my husband to a strange spirit, I knew him to be a loving man before we got married, but I didn’t know what came over him.
Doctor Wakina love spell was so great and powerful, my estranged husband’s attitude and urge for evil changed just after 8 days of the completion of the love spell. The reasons why I can recommend Dr. Wakina to anyone are, his love spell is real and it works, Doctor wakina don’t cast love spell that is against anyone’s wish and his love spell lasts for eternity. I have been observing my husband’s behavior for more than 9 months, he is still the same, he has never stopped loving me again, the love keep growing each day and we keep prospering with the blessings that follows Doctor Wakina’s love spell. That’s the reason why I can recommend him to anyone event to my worst enemy… to email him via dr.wakinalovetemple@gmail.com