Comments by 2020 Alicia Bernardo Most recent public comments by 2020 Alicia Bernardo https://nowcomment.com/users/64316 Phones are essentially a drug that we become addicted to. https://nowcomment.com/documents/172189?scroll_to=1636417 https://nowcomment.com/documents/172189?scroll_to=1636417 Tue, 10 Mar 2020 16:08:01 -0400 Since the apps are free the companies are getting free advertisements. They make money when customers buy premium versions of the app. https://nowcomment.com/documents/172222?scroll_to=1636407 https://nowcomment.com/documents/172222?scroll_to=1636407 Tue, 10 Mar 2020 15:55:55 -0400 Devices have the potential to be beneficial to society if used in the right way. https://nowcomment.com/documents/169447?scroll_to=1634336 https://nowcomment.com/documents/169447?scroll_to=1634336 Mon, 09 Mar 2020 13:49:38 -0400 Cyberbullying generally does not occur during the school day, so restricting phones during school would not make a difference. https://nowcomment.com/documents/164086?scroll_to=1634302 https://nowcomment.com/documents/164086?scroll_to=1634302 Mon, 07 Aug 2023 23:05:02 -0400 Humans tend to enjoy having control over things,which is yet another reason why people are on their phones so much. It gives them a sense of control. https://nowcomment.com/documents/172189?scroll_to=1634196 https://nowcomment.com/documents/172189?scroll_to=1634196 Mon, 09 Mar 2020 12:04:23 -0400 There are positive and negative reinforcements. In this case the positive reinforcement in the satisfying or entertaining content on the phone. This concept is applied throughout all stages of life. https://nowcomment.com/documents/172189?scroll_to=1631849 https://nowcomment.com/documents/172189?scroll_to=1631849 Thu, 05 Mar 2020 12:56:31 -0500 If you're unsure what your interest rate will be https://nowcomment.com/documents/170003?scroll_to=1610730 https://nowcomment.com/documents/170003?scroll_to=1610730 Mon, 17 Feb 2020 17:32:09 -0500 Also very good to know. Steps to refinance https://nowcomment.com/documents/170003?scroll_to=1610725 https://nowcomment.com/documents/170003?scroll_to=1610725 Mon, 17 Feb 2020 17:15:42 -0500 The key takeaway is that repayment plants that make your payments more affordable may bite you in the butt https://nowcomment.com/documents/170003?scroll_to=1610724 https://nowcomment.com/documents/170003?scroll_to=1610724 Thu, 02 Jun 2022 04:21:43 -0400 This is important https://nowcomment.com/documents/170003?scroll_to=1610720 https://nowcomment.com/documents/170003?scroll_to=1610720 Mon, 17 Feb 2020 16:55:57 -0500 Keep track of everything and don't throw anything away that has to deal with your loan https://nowcomment.com/documents/170003?scroll_to=1610718 https://nowcomment.com/documents/170003?scroll_to=1610718 Mon, 17 Feb 2020 16:52:55 -0500 This should come in handy when getting into a loan https://nowcomment.com/documents/170003?scroll_to=1610717 https://nowcomment.com/documents/170003?scroll_to=1610717 Mon, 17 Feb 2020 16:50:12 -0500 ALWAYS READ FINE PRINT https://nowcomment.com/documents/170003?scroll_to=1610712 https://nowcomment.com/documents/170003?scroll_to=1610712 Mon, 17 Feb 2020 16:39:33 -0500 *** https://nowcomment.com/documents/170003?scroll_to=1610709 https://nowcomment.com/documents/170003?scroll_to=1610709 Mon, 17 Feb 2020 16:37:43 -0500 Important to know about https://nowcomment.com/documents/170003?scroll_to=1610708 https://nowcomment.com/documents/170003?scroll_to=1610708 Mon, 17 Feb 2020 16:35:13 -0500 important https://nowcomment.com/documents/170003?scroll_to=1607772 https://nowcomment.com/documents/170003?scroll_to=1607772 Fri, 14 Feb 2020 14:49:01 -0500 This is important to know https://nowcomment.com/documents/170003?scroll_to=1607740 https://nowcomment.com/documents/170003?scroll_to=1607740 Fri, 14 Feb 2020 13:45:56 -0500 At least some think this is important enough to talk about and not procrastinate https://nowcomment.com/documents/168604?scroll_to=1594350 https://nowcomment.com/documents/168604?scroll_to=1594350 Thu, 15 Feb 2024 08:24:11 -0500 try to avoid private loans? https://nowcomment.com/documents/168604?scroll_to=1594347 https://nowcomment.com/documents/168604?scroll_to=1594347 Wed, 05 Feb 2020 17:21:56 -0500 ** https://nowcomment.com/documents/168604?scroll_to=1594346 https://nowcomment.com/documents/168604?scroll_to=1594346 Wed, 05 Feb 2020 17:19:48 -0500 What exactly does this mean?--- look into it. https://nowcomment.com/documents/168604?scroll_to=1594345 https://nowcomment.com/documents/168604?scroll_to=1594345 Wed, 05 Feb 2020 17:18:12 -0500 Stafford Loan: are either subsidized or unsubsidized. Subsidized: You won't be charged any interest until after you leave school for whatever reason.(google definition) https://nowcomment.com/documents/168604?scroll_to=1594344 https://nowcomment.com/documents/168604?scroll_to=1594344 Wed, 05 Feb 2020 17:14:19 -0500 good to know https://nowcomment.com/documents/168587?scroll_to=1594201 https://nowcomment.com/documents/168587?scroll_to=1594201 Wed, 05 Feb 2020 15:44:01 -0500 Don't put all of the responsibility on yourself? https://nowcomment.com/documents/168587?scroll_to=1594199 https://nowcomment.com/documents/168587?scroll_to=1594199 Wed, 05 Feb 2020 15:41:22 -0500 Length of Stafford Grace Period https://nowcomment.com/documents/168586?scroll_to=1594195 https://nowcomment.com/documents/168586?scroll_to=1594195 Wed, 05 Feb 2020 15:33:00 -0500 Good to know https://nowcomment.com/documents/168586?scroll_to=1594193 https://nowcomment.com/documents/168586?scroll_to=1594193 Wed, 05 Feb 2020 15:32:45 -0500 Also not open to everybody https://nowcomment.com/documents/168586?scroll_to=1594192 https://nowcomment.com/documents/168586?scroll_to=1594192 Wed, 05 Feb 2020 15:32:11 -0500 Limited, not open for everyone to do this one. https://nowcomment.com/documents/168586?scroll_to=1594191 https://nowcomment.com/documents/168586?scroll_to=1594191 Wed, 05 Feb 2020 15:31:48 -0500 ** https://nowcomment.com/documents/168586?scroll_to=1594190 https://nowcomment.com/documents/168586?scroll_to=1594190 Wed, 05 Feb 2020 15:31:09 -0500 Interesting https://nowcomment.com/documents/168586?scroll_to=1594189 https://nowcomment.com/documents/168586?scroll_to=1594189 Wed, 05 Feb 2020 15:30:39 -0500 Good to know.Extending it https://nowcomment.com/documents/168586?scroll_to=1594187 https://nowcomment.com/documents/168586?scroll_to=1594187 Wed, 05 Feb 2020 15:29:55 -0500 Combining them means a longer repayment period but in the long run you have to pay more because it's multiple loans into one now. https://nowcomment.com/documents/168586?scroll_to=1594186 https://nowcomment.com/documents/168586?scroll_to=1594186 Wed, 05 Feb 2020 15:29:33 -0500 Good advice: Use the Grace Period https://nowcomment.com/documents/168586?scroll_to=1594183 https://nowcomment.com/documents/168586?scroll_to=1594183 Wed, 05 Feb 2020 15:28:14 -0500 Average about 10 years ago. This may have changed by now https://nowcomment.com/documents/168586?scroll_to=1594181 https://nowcomment.com/documents/168586?scroll_to=1594181 Wed, 05 Feb 2020 15:27:16 -0500 #3 https://nowcomment.com/documents/168173?scroll_to=1594172 https://nowcomment.com/documents/168173?scroll_to=1594172 Wed, 05 Feb 2020 15:21:32 -0500 tip #2 and a very good thing to know when going into college https://nowcomment.com/documents/168173?scroll_to=1594171 https://nowcomment.com/documents/168173?scroll_to=1594171 Wed, 05 Feb 2020 15:20:46 -0500 good to know https://nowcomment.com/documents/168173?scroll_to=1594166 https://nowcomment.com/documents/168173?scroll_to=1594166 Wed, 05 Feb 2020 15:19:49 -0500 this is a good tip https://nowcomment.com/documents/168173?scroll_to=1594165 https://nowcomment.com/documents/168173?scroll_to=1594165 Wed, 05 Feb 2020 15:19:40 -0500 post grad tip #1 https://nowcomment.com/documents/168173?scroll_to=1594164 https://nowcomment.com/documents/168173?scroll_to=1594164 Wed, 05 Feb 2020 15:19:22 -0500 #3 and probably one of the hardest points to follow through with https://nowcomment.com/documents/168173?scroll_to=1594163 https://nowcomment.com/documents/168173?scroll_to=1594163 Wed, 05 Feb 2020 15:18:51 -0500 #2 https://nowcomment.com/documents/168173?scroll_to=1594161 https://nowcomment.com/documents/168173?scroll_to=1594161 Wed, 05 Feb 2020 15:17:56 -0500 When you've been accepted tip #1 https://nowcomment.com/documents/168173?scroll_to=1594159 https://nowcomment.com/documents/168173?scroll_to=1594159 Wed, 05 Feb 2020 15:17:37 -0500 #4 tip https://nowcomment.com/documents/168173?scroll_to=1594156 https://nowcomment.com/documents/168173?scroll_to=1594156 Wed, 05 Feb 2020 15:16:16 -0500 #3 tip https://nowcomment.com/documents/168173?scroll_to=1594154 https://nowcomment.com/documents/168173?scroll_to=1594154 Wed, 05 Feb 2020 15:15:32 -0500 #2 tip https://nowcomment.com/documents/168173?scroll_to=1594149 https://nowcomment.com/documents/168173?scroll_to=1594149 Wed, 05 Feb 2020 15:14:44 -0500 #1 tip https://nowcomment.com/documents/168173?scroll_to=1594144 https://nowcomment.com/documents/168173?scroll_to=1594144 Wed, 05 Feb 2020 15:14:10 -0500 IMPORTANT https://nowcomment.com/documents/168173?scroll_to=1594142 https://nowcomment.com/documents/168173?scroll_to=1594142 Wed, 05 Feb 2020 15:13:31 -0500 Default= failure to repay the loan based off of payment agreements https://nowcomment.com/documents/168173?scroll_to=1594126 https://nowcomment.com/documents/168173?scroll_to=1594126 Wed, 05 Feb 2020 15:10:15 -0500 This is probably because they have no one to ask questions about college to. https://nowcomment.com/documents/168173?scroll_to=1594105 https://nowcomment.com/documents/168173?scroll_to=1594105 Wed, 05 Feb 2020 15:06:45 -0500 This is unexpected https://nowcomment.com/documents/168173?scroll_to=1594094 https://nowcomment.com/documents/168173?scroll_to=1594094 Wed, 05 Feb 2020 15:01:56 -0500 Payoff>loan size https://nowcomment.com/documents/168173?scroll_to=1594085 https://nowcomment.com/documents/168173?scroll_to=1594085 Wed, 05 Feb 2020 14:58:01 -0500 A good reason why you shouldn't be afraid to borrow because in the long run it has the chance to pay off. https://nowcomment.com/documents/168173?scroll_to=1594079 https://nowcomment.com/documents/168173?scroll_to=1594079 Wed, 05 Feb 2020 14:56:33 -0500 This is why it is viewed as such a big problem https://nowcomment.com/documents/168173?scroll_to=1594046 https://nowcomment.com/documents/168173?scroll_to=1594046 Wed, 05 Feb 2020 14:55:14 -0500 ** https://nowcomment.com/documents/168173?scroll_to=1594040 https://nowcomment.com/documents/168173?scroll_to=1594040 Wed, 05 Feb 2020 14:53:48 -0500 The difference in times https://nowcomment.com/documents/168173?scroll_to=1594037 https://nowcomment.com/documents/168173?scroll_to=1594037 Wed, 05 Feb 2020 14:53:01 -0500 wow https://nowcomment.com/documents/168173?scroll_to=1591353 https://nowcomment.com/documents/168173?scroll_to=1591353 Tue, 04 Feb 2020 22:52:58 -0500 This is something important to understand because we always are under the assumption that borrowing has risen https://nowcomment.com/documents/168173?scroll_to=1591345 https://nowcomment.com/documents/168173?scroll_to=1591345 Tue, 04 Feb 2020 22:43:37 -0500 Since they cannot either afford it or maybe because it's so small they don't prioritize it? https://nowcomment.com/documents/168173?scroll_to=1591338 https://nowcomment.com/documents/168173?scroll_to=1591338 Tue, 04 Feb 2020 22:34:41 -0500 politics is getting involved which means this is a really big problem https://nowcomment.com/documents/168173?scroll_to=1591337 https://nowcomment.com/documents/168173?scroll_to=1591337 Tue, 04 Feb 2020 22:33:32 -0500 relevance to today https://nowcomment.com/documents/168173?scroll_to=1591336 https://nowcomment.com/documents/168173?scroll_to=1591336 Tue, 04 Feb 2020 22:31:49 -0500 Very important as to why this is not very good for people in the long run. https://nowcomment.com/documents/168173?scroll_to=1590668 https://nowcomment.com/documents/168173?scroll_to=1590668 Tue, 04 Feb 2020 16:35:07 -0500 My point exactly https://nowcomment.com/documents/168173?scroll_to=1590665 https://nowcomment.com/documents/168173?scroll_to=1590665 Tue, 04 Feb 2020 16:34:29 -0500 This is problematic for students after they graduate because they are forever attempting to pay off their student loan debt. https://nowcomment.com/documents/168173?scroll_to=1590663 https://nowcomment.com/documents/168173?scroll_to=1590663 Tue, 04 Feb 2020 16:34:05 -0500 Oh My Goodness https://nowcomment.com/documents/168173?scroll_to=1590657 https://nowcomment.com/documents/168173?scroll_to=1590657 Tue, 04 Feb 2020 16:32:04 -0500 statement of financial position https://nowcomment.com/documents/165524?scroll_to=1568150 https://nowcomment.com/documents/165524?scroll_to=1568150 Wed, 22 Jan 2020 09:51:19 -0500 The great recession is a period of general economic decline in world markets during the late 2000s and early 2010s https://nowcomment.com/documents/165524?scroll_to=1568121 https://nowcomment.com/documents/165524?scroll_to=1568121 Wed, 22 Jan 2020 09:45:33 -0500 *** important https://nowcomment.com/documents/165524?scroll_to=1568119 https://nowcomment.com/documents/165524?scroll_to=1568119 Wed, 22 Jan 2020 09:43:27 -0500 That is a lot! https://nowcomment.com/documents/165524?scroll_to=1568118 https://nowcomment.com/documents/165524?scroll_to=1568118 Wed, 22 Jan 2020 09:40:09 -0500 This is significant https://nowcomment.com/documents/165524?scroll_to=1568117 https://nowcomment.com/documents/165524?scroll_to=1568117 Wed, 22 Jan 2020 09:38:57 -0500 I don't believe this is true https://nowcomment.com/documents/165524?scroll_to=1568116 https://nowcomment.com/documents/165524?scroll_to=1568116 Wed, 22 Jan 2020 09:38:05 -0500 This shows how much student debt can affect a person even after graduating from college. https://nowcomment.com/documents/165524?scroll_to=1568101 https://nowcomment.com/documents/165524?scroll_to=1568101 Wed, 22 Jan 2020 09:35:23 -0500 By Race? https://nowcomment.com/documents/164129?scroll_to=1564681 https://nowcomment.com/documents/164129?scroll_to=1564681 Mon, 20 Jan 2020 15:08:18 -0500 ** https://nowcomment.com/documents/164129?scroll_to=1564680 https://nowcomment.com/documents/164129?scroll_to=1564680 Mon, 20 Jan 2020 15:05:13 -0500 that's a big decline https://nowcomment.com/documents/164129?scroll_to=1564603 https://nowcomment.com/documents/164129?scroll_to=1564603 Mon, 20 Jan 2020 14:04:17 -0500 That;s unfair https://nowcomment.com/documents/164129?scroll_to=1564602 https://nowcomment.com/documents/164129?scroll_to=1564602 Mon, 20 Jan 2020 14:02:33 -0500 **** https://nowcomment.com/documents/164129?scroll_to=1564163 https://nowcomment.com/documents/164129?scroll_to=1564163 Sun, 19 Jan 2020 19:12:25 -0500 This is similar to what some San Diego companies are doing: Helping students pay off their student debt. https://nowcomment.com/documents/164129?scroll_to=1564128 https://nowcomment.com/documents/164129?scroll_to=1564128 Sun, 19 Jan 2020 18:57:19 -0500 That doesn't sound like much but depending on the college it could be a lot more than it seems https://nowcomment.com/documents/164129?scroll_to=1564127 https://nowcomment.com/documents/164129?scroll_to=1564127 Sun, 19 Jan 2020 18:54:43 -0500 This negative impact forces students to enroll in either community colleges because it's more affordable or they simple don't go to college. https://nowcomment.com/documents/164129?scroll_to=1564126 https://nowcomment.com/documents/164129?scroll_to=1564126 Sun, 19 Jan 2020 18:46:39 -0500 The amount that can be saved is significant and shows the importance of college savings. https://nowcomment.com/documents/164129?scroll_to=1564121 https://nowcomment.com/documents/164129?scroll_to=1564121 Sun, 19 Jan 2020 18:24:51 -0500 If parents start a college fund for their children when they are little than their amount of student debt will lower. https://nowcomment.com/documents/164129?scroll_to=1559237 https://nowcomment.com/documents/164129?scroll_to=1559237 Wed, 15 Jan 2020 15:12:41 -0500 the rise is surprising https://nowcomment.com/documents/164129?scroll_to=1559234 https://nowcomment.com/documents/164129?scroll_to=1559234 Wed, 15 Jan 2020 15:09:49 -0500 Student debt is a huge problem in our soceity https://nowcomment.com/documents/162179?scroll_to=1544582 https://nowcomment.com/documents/162179?scroll_to=1544582 Fri, 13 Dec 2019 12:53:15 -0500 This is a smart idea that may bring more people to support this movement. https://nowcomment.com/documents/162179?scroll_to=1543602 https://nowcomment.com/documents/162179?scroll_to=1543602 Thu, 12 Dec 2019 13:03:59 -0500 This is a good way to not only help out their employees and make them want to continue working for them but it's also a good way to advertise themselves to the younger working population as a good place to look for employment. https://nowcomment.com/documents/162179?scroll_to=1543598 https://nowcomment.com/documents/162179?scroll_to=1543598 Thu, 12 Dec 2019 13:02:56 -0500 This program is really smart and beneficial to those in school. https://nowcomment.com/documents/162179?scroll_to=1543567 https://nowcomment.com/documents/162179?scroll_to=1543567 Thu, 12 Dec 2019 13:00:27 -0500 This program is allowing people to get out of their student loans faster than they would be able to without this working program. https://nowcomment.com/documents/162179?scroll_to=1543557 https://nowcomment.com/documents/162179?scroll_to=1543557 Thu, 12 Dec 2019 12:59:54 -0500