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Learn from professionals on today’s hottest trends

Cryptocurrency Exchange Hacked
$425 Million Stolen

Tokyo-based cryptocurrency exchange Coincheck Inc said on Sunday it would return about 46.3 billion yen ($425 million) of the virtual money it lost to hackers two days ago in one of the biggest-ever thefts of digital money.

That amounts to nearly 90 percent of the 58 billion yen worth of NEM coins the company lost in an attack that forced it to suspend on Friday withdrawals of all cryptocurrencies except bitcoin.

Coincheck said in a statement it would repay the roughly 260,000 owners of NEM coins in Japanese yen, though it was still working on timing and method.

The theft underscores security and regulatory concerns about bitcoin and other virtual currencies even as a global boom in them shows little signs of fizzling.

Two sources with direct knowledge of the matter said Japan’s Financial Services Agency (FSA) sent a notice to the country’s roughly 30 firms that operate virtual currency exchanges to warn of further possible cyber-attacks, urging them to step up security.

The financial watchdog is also considering administrative punishment for Coincheck under the financial settlements law, one of the sources said.

What Is SEO?

Search engine optimization (SEO) is the practice of increasing the quantity and quality of traffic to your website through organic search engine results.

What goes into SEO?

To understand what SEO really means, let’s break that sentence down and look at the parts:

  • Quality of traffic. You can attract all the visitors in the world, but if they’re coming to your site because Google tells them you’re a resource for Apple computers when really you’re a farmer selling apples, that is not quality traffic. Instead you want to attract visitors who are genuinely interested in products that you offer.
  • Quantity of traffic. Once you have the right people clicking through from those search engine results pages (SERPs), more traffic is better.
  • Organic results. Ads make up a significant portion of many SERPs. Organic traffic is any traffic that you don’t have to pay for.

Heat Pump Technology

varmepumpe service skien

Another improvement in heat pump technology is that the scroll compressor, which is made up of 2 spiral-shaped scrolls. One remains stationary, while the other orbits around it, squeezing the refrigerant by forcing it into progressively smaller regions. Compared to the normal piston compressors, scroll compressors have a longer working life and are quieter. According to some reports, heat pumps with scroll compressors supply 10° to 15°F (5.6° to 8.3°C) warmer air when in the heating mode, in comparison to existing heat pumps using piston compressors.

Even though most heat pumps use electric resistance heaters as a backup for cold weather, heat pumps are also equipped with burners to supplement the heat pump. Back-up burners help resolve the issue of the heat pump providing relatively cool air during cold weather and reduces its use of power. There are not very many heat pump manufacturers that incorporate both kinds of heat supply in 1 box, so these configurations are usually two smaller, side-by-side, standard systems sharing the same ductwork. The combustion fuel half of this system might be propane, natural gas, oil, as well as coal and timber.

As compared with a combustion fuel-fired furnace or standard heating pump, this sort of system is also inexpensive. Actual energy savings are determined by the relative prices of the combustion fuel relative to power.

Everyone Needs An SEO Strategy

SEO for musicians

An important part of SEO is making your site easy for both users and search engine spiders to understand. Although search engines have become increasingly sophisticated, they still can not see and comprehend a web page the same way a person can. SEO assists the engines determine what each page is about, and how it might be beneficial for users.

A Standard Argument Against SEO
We often hear statements like this:

“No wise engineer would build a search engine that needs sites to follow certain principles or rules so as to be ranked or indexed. Anyone with half a brain would need a system that can crawl through any structure, parse any quantity of complicated or imperfect code, and find a way to return the most relevant results, not those which have been ‘optimized’ by unlicensed search marketing specialists.”

Imagine you posted online an image of your pet. How can you create a search engine understand that a picture? Luckily, SEO enables webmasters to provide clues that the motors may use to understand content. In actuality, adding good structure to your content is vital to SEO.

Knowing both the skills and limitations of search engines lets you correctly build, format, and annotate your content in a way that search engines can digest. Without SEO, a site could be invisible to search engines.

Investing in a consistent SEO strategy is investing in a strong foundation for your website’s long-term ability to generate revenue. Building a strong foundation helps maintain your brand’s relevancy in the way the world gets information. The positives of adding to a growing organic traffic base for your website versus having no SEO strategy just are insane to me. When people are searching for new music the only way the can find new artists is by searching through the internet and YouTube.

Declaw Your Cat


Stress is a common source of food refusal. This may be attributed to inter-cat bullying, changes in the family such as moving home, a new spouse, pet or baby, loss of a companion.

A stressed cat requires time, patience and love.

There are too many potential medical causes to list in this report. A loss of desire in a kitty who usually eats well can be a sign of sickness. That could include nausea, dental pain, generalised pain, disease, kidney failure, cancer, and operation. If your cat has suddenly lost his appetite, it’s important to find a veterinarian to find out the underlying cause.

As your cat advances towards his mature years, his sense of smell diminishes which may cause a decrease in your cat’s appetite. Changing to a moist diet and warming up it might help stimulate his appetite.

Associating food with feelings of nausea may occur if they had been fed with a specific food while sick or nauseous. Pregnancy and chemotherapy are causes of food aversion. This makes sense from an evolutionary stage, as our brains associate nausea with the food and attempt to protect us from further nausea/sickness by forming an aversion, even when food wasn’t the reason for nausea in the first location.

If your cat associates an unpleasant odor or taste with his meals, he’s going to prevent it. Should you want to conceal medicine, it’s far better to conceal it in a little treat, rather than his normal food.

New Generation Degrees

University of Phoenix Loan Forgiveness

The numbers don’t even seem to make sense. In late 2017, Americans collectively carried $1.36 trillion in outstanding student loan debt, according to the Federal Reserve Bank of New York.

Even worse, 11.2% of that debt is currently delinquent or in default. If you’re paying off student loans, you know full well what the reality behind these statistics feels like. Paying off student loans is more than just a drag. It can put you in long-term financial jeopardy if things don’t turn out like you’d hoped post-graduation.

But, there is a beacon of hope in the darkness. It might be possible for you to have your student loan balance partially or even completely forgiven. These programs aren’t necessarily easy to find or qualify for, and they don’t come without strings attached. But if you can complete a student loan forgiveness program, you just might be able to move on with your life and leave the student loans behind like a bad habit.

Whether you have private or federal student loan debt, there are various programs in place to help struggling borrowers ease their debt burden.

When your student loan debt is forgiven, cancelled or discharged, you are off the hook for that amount. Some loan forgiveness programs actually do wipe away your debt like a fairy debt godmother with a magic wand. Other programs, such as Loan Repayment Assistance Programs (LRAPs) or Loan Repayment Programs (LRPs) will make additional payments toward your student loan for you, thereby reducing your balance over time.

Technology Changed My Future

ITT Tech Loan forgiveness

There is no one-size-fits-all rulebook that dictates how student loan forgiveness programs work.

You may need to follow strict reporting protocols throughout the program until you become eligible for some programs, and other programs may require you to be in a certain profession or live in a certain state.

Because each program varies so much, you need to do extensive research so you know exactly what the requirements are. Some programs may have a big impact on your life, and you need to be prepared for the consequences and opportunity costs. We’ll discuss in this guide which student loan forgiveness plans are available and the main details of each program.

This is one of the most popular programs. Before you get too excited though, there are a lot of hoops to jump through to apply for PSLF. Additionally, the future doesn’t look too bright for this program: The GOP is actively trying to eliminate this program. In 2017, Republicans introduced the PROSPER Act that would eliminate PSLF. Regardless of whether or not it’s passed, it is highly likely that it will be phased out at some point. Even so, current students eligible for PSLF may be grandfathered into the program, at the exclusion of new student borrowers.

Income-driven repayment programs offer more than just student loan forgiveness. They’ll make your student loans more affordable in the short term as well by capping your monthly payments at 10-20% of your discretionary income, divided by 12.

Benefits of Auto Draft

Trump Student Loan Forgiveness Plan

The details of how the monthly income-driven payments work vary. Here, we’ll give a brief overview of how these programs work before focusing specifically on how you can get your student loan balance forgiven with each of the four plans.

Warning: With each of these federal income-driven repayment plans, any forgiven balance is considered taxable income in the year it’s forgiven. You’ll need to plan ahead accordingly.

Pay As You Earn (PAYE)

The PAYE and REPAYE programs both limit your monthly payment amount to 10% of your discretionary income and require you to certify your income and family size every year. The nitty-gritty details of who is eligible and how the PAYE and REPAYE programs work from there vary.

Here’s how you can get your student loans forgiven if you’re enrolled in these programs:

If you’re in the PAYE program, your Federal Direct or Consolidation loans will be forgiven after 20 years. If you’re in the REPAYE program, it works a bit differently: Your student loans will be forgiven after 20 years, but only if all of your loans are from undergraduate study. If you went to grad school and took out any student loans, your remaining balance would instead be forgiven after 25 years.

Historic College Loan Policies

Obama’s Student Loan Forgiveness Program

Income-Based Repayment (IBR)

If you’re enrolled in the IBR plan, your monthly payment amount will be limited to 15% of your discretionary income. You’ll also have to recertify your income and family size each year.

If you do those things and still have a remaining balance at the end of 25 years, regardless of what type of federal student loans you have (with the exception of Federal PLUS loans made to parents), you will be forgiven.

Income-Contingent Repayment (ICR) plan

If you’re enrolled in ICR, you’ll have the highest monthly payments of all: either 20% of your discretionary income or whatever the payment would be on a 12-year repayment plan (whichever is less). You’ll also need to recertify your income and family size with this plan as well.

ICR also has one of the longest repayment periods. If you have anything left on your student loan balance after 25 years, it’ll be forgiven.

Perkins loans work a bit differently the most other federal loans. Rather than being doled out through the William D. Ford Direct Loan program as with most federal student loans, each loan is made directly to you from the school itself. That means that when it comes time to apply for forgiveness, you’ll need to contact the school itself for an application.

Reflecting On My Last Rage-er

Westwood College loan forgiveness

How you qualify for Federal Perkins loan cancellation and how much you’re eligible to have cancelled depends on your profession and time served in your position.

Teachers, nurses, medical technicians, firefighters, tribal college faculty, law enforcement officers and attorneys working in public positions may be eligible to have up to 100% of their remaining Perkins loans waived after five years of service.

Certain early childhood education professionals may be eligible for Perkins loan cancellation after seven years. If you were in the military and served in a dangerous location, you may be eligible to have your remaining Perkins loan balance waived after five to 10 years, depending on when your service ended.

Finally, if you are an AmeriCorps VISTA or Peace Corps volunteer, you might be able to have 70% of the remaining balance on your Perkins loans cancelled after four years.

Teachers have a lot of options for student loan forgiveness. Aside from the Perkins loan cancellation discussed above, you may be eligible for teacher loan forgiveness for your Federal Direct and Federal Stafford loans.

Unfortunately, this loan program won’t cancel the full remainder of your balance. If you spend five years teaching full time in a low-income school, you’ll only have $5,000 of your remaining loan balance forgiven for most teachers.

If you’re a math, science, or special education teacher, the deal is sweetened even more: You’ll have up to $17,500 of your student loan balance forgiven.

Troubles Paying Tuition Loans?

Student Loan Forgiveness

Teacher loan forgiveness might not fully cancel out your loans, but you may have another option: public service loan forgiveness.

As a teacher, you’re also eligible for this program. Sadly, you can’t use the same period of service to qualify for both programs simultaneously. That means you’ll need to teach for five years in a low-income school to qualify for the teacher loan forgiveness program, and then restart the clock for another 10 years to qualify for PSLF (it doesn’t have to be at a low-income school, however).

You may also be eligible for other student loan forgiveness or assistance programs depending on where you live. To find out more, check out the American Federation of Teachers online loan forgiveness database.

One of the most well-established student loan forgiveness programs for nurses is the NURSE Corps loan repayment program. If you agree to work in a facility with a critical nurse shortage, you can have up to 85% of your student loan balance paid off for you after three years.

Even better, the program will pay your federal taxes automatically for you so you don’t have to worry about the dreaded student loan forgiveness tax bombs (although you may be on the hook for state taxes). To earn these student loan payments, you first need to apply and be accepted into the program.

Best Chef In My Hometown

Le Cordon Bleu Loan Forgiveness

There are also many state loan repayment programs for nurses. To see if your state has one, simply do a Google search for “your state + nurse student loan forgiveness.”

There are numerous state-specific student loan repayment plans for doctors. The Association of American Medical Colleges maintains an excellent database of state-run programs.

Here are some others to consider:

IHS: If you agree to work in an IHS (Indian Health Service) facility for at least two years, this agency will agree to pay $40,000 toward your student loans. You can also agree to extend your employment beyond the two-year mark to earn even more student loan repayments, with no maximum cap. In other words, you could have your entire student loan balance paid off with this program if you stick around long enough. Another nice benefit of this program is that the IHS will pay 20% of the income taxes that result from their payments (you’re still on the hook for the other 80%, and any other income tax, however).

Military doctors: There are several military-specific programs for doctors and dentists in particular. The Navy’s Health Professions Loan Repayment Program will pay up to $40,000 per year (minus about 25% for taxes) toward your student loans if you agree to enlist in a certain skill shortage area. The Army offers a smattering of student loan repayment programs offering up to $250,000 for a wide range of doctor specialties and higher-level medical personnel.

National Health Service Corps: Doctors and dentists who haven’t yet completed their final year of school may be eligible for the National Health Service Corps Students to Service Loan Repayment Program. In exchange for agreeing to provide health care in an NHSC-approved facility in need for at least three years, the NHSC will pay off up to $120,000 of your federal and private student loans. Even better, the S2S award is not considered taxable income.

Doctors, nurses and other licensed professionals, such as social workers, counselors and midwives may be eligible for up to $50,000 in student loan forgiveness under the National Health Service Corps (NHSC) Loan Repayment Program.