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Monday, January 31, 2011

Student Loan Debt Consolidation in Texas - Why Texas Needs To Consolidate Student Loans More

College students in TX pay more in tuition than the average student and are often left with student loan debt that is hard to manage. If you are one of the many Texas college graduates struggling to make student loan payments, consolidating your student loans could bring the relief you need. There are a few things you should know though before you consolidate.

Consolidating Will Change Your Interest Rate

If you currently have a variable interest rate on your student loans, there is a chance that your rate (and your payment) could increase at some point during your loan term. This could leave you paying more than you already do. Most consolidation loans allow you to lock in at a fixed interest rate. This will be beneficial if rates increase later on. Of course, the reverse is also true. If rates go down, you could end up paying more with the new fixed rate loan.

Consolidating Increases Your Monthly Cash Flow

In 2003, Texas legislators deregulated tuition and listed the caps on tuition increases. The price of college soared. As a result, many new graduates now have an average of $20,000 in student debt and a difficult time meeting payment obligations. If you find yourself in this situation, consolidating your loans could lower your monthly payments and increase your cash flow.

Consolidating Student Loans in Texas is Easier Than You Think

Nearly everyone is eligible for student loan consolidation. In most cases, borrowers are not even subjected to a credit check. Fees do not normally apply, which means there is no out of pocket expense. The bottom line is that if you have been worrying about getting turned down for a consolidated student loan, you can stop. Consolidating student loans in Texas couldn't be any easier.

READ MORE - Student Loan Debt Consolidation in Texas - Why Texas Needs To Consolidate Student Loans More

Sunday, January 30, 2011

Is it a Good Idea to Consolidate Your Student Loans?

Student loans are a great way to finance your education, but should you consolidate your student loans? The amount of debt that most students incur is considerable and paying it all back can be a daunting prospect, especially when you are just starting out on your career. Or worse still, you don't have a job when you graduate.

One possible way of making student loan repayments more manageable is student loan consolidation, which allows you to lower your monthly repayments and extend your loan over a longer period, usually up to 30 years..

Why should you consider consolidating your student loans?

If you consolidate your student loans, they are repaid by the lender and then your debt is lumped into a single loan, which means only one lender and one monthly repayment for you to worry about. In fact, you can reduce your payment by as much as 50% in some cases, which makes a big difference if you aren't in a high paying job when you finish your studies.

You won't be able to consolidate any private loans you have with your federal loans and parents are not permitted to consolidate their parent loans with those of their children.

The major drawback is that you will probably have to pay out more because you have extended the life of your loan. So it is important that you consider all the potential consequences of taking this step. Lower payments might sound good now, but do you still want to be paying off your student debts when your own children are preparing for college?

As with any type of loan, it pays to do your homework. Make sure you research all of the options available to you before deciding to consolidate your student loans, have a look at at the terms and conditions and the interest rates and be sure to do a loan comparison before you make your final decision.

READ MORE - Is it a Good Idea to Consolidate Your Student Loans?

Saturday, January 29, 2011

Student Loan Relief - Can You Really Get Relief From School Debt?

Who else is interested in getting student loan relief? If you are, then how do you go about it?

The first thing you should do is work out if you really do need some breathing room with your student loan repayments. Perhaps you can rejig your budget so it's easier to find the money to make those repayments every month?

If not, then you can start looking at consolidation programs. These will help by rolling all your school debt into the one loan. Try to get a lower interest rate than what you're currently paying, plus a longer term. This way, your monthly repayments will be lower, which means more money in your pocket.

But you do have to be aware that with a longer term, it will take you longer to pay off all that school debt.

There are plenty of consolidation loans out there, so make sure you compare them all and get the best deal you can.

By doing this, you'll be helping increase your monthly budget, so you'll have more money to pay for important essentials such as housing, food and utilities. You may have enough for savings and even entertainment.

So if you're sick and tired of scraping through every month paying all your bills and need student loan relief, then consolidating all your school debt into the one loan may be the answer.

Student loan relief can be very helpful if all your other expenses are just too high and you can't manage your monthly debt repayments any more. As long as you try to get the best deal you possibly can, and you make your new payments, it may be the solution you've been looking for.

READ MORE - Student Loan Relief - Can You Really Get Relief From School Debt?

Tuesday, January 25, 2011

Cheat TP Exp Di SHOP | Ninja Saga










Peralatan :

· Fiddler <------------------ Click

· SWF File <------------------ Click

Caranya :

1. Download dulu fiddler

2. Kemudian Install Fiddler

3. Baru jalankan Fiddler

4. Klik Tab AutoResponder (yg icon-nya petir hijau)

5. Centang kotak "Enable automatic responses" dan juga "Permit passthrough for unmatched request"

6. Jatuhkan .SWF File yang kamu download tadi ke kolom AutoResponder

7. Masuk ke Ninja Saga

8. Setelah itu bersihkan chace

9. Baru pilih karakter yang akan kamu mainkan


NB: -untuk 500 TP tunggu kira kira 25 menitan//

-untuk 1000 TP tunggu kira kira 50 menitan//


READ MORE - Cheat TP Exp Di SHOP | Ninja Saga

Wednesday, January 19, 2011

TP Hack [Talent Point] | Ninja Saga

19 January 2011-----------------------

Dalam sehari kan kita cuman bisa dapet 30 TP, nah kalau pakai cit ini bisa dapet tambahan 10 TP. Meskipun cuman 10 TP lumayan kan ^^, jadi sehari kita bisa dapet 40 TP.

Ingat 40 TP per hari !!!!!!!!!

Kamu tinggal masuk ke Grade C, terus tinggal jalanin misinya. 1 misi cuman bisa 1 kali !! (Delay sekitar 5 detik !!) dan jangan jalankan misi yang sama, tar bakal error !!

Ini bukan hanya cheat TP, tapi juga termasuk cheat gold dan instant mission !!

Peralatan :

· Fiddler

· SWF File

Caranya :

1. Download dulu fiddler

2. Kemudian Install Fiddler

3. Baru jalankan Fiddler

4. Klik Tab AutoResponder (yg icon-nya petir hijau)

5. Centang kotak "Enable automatic responses" dan juga "Permit passthrough for unmatched request"

6. Jatuhkan .SWF File yang kamu download tadi ke kolom AutoResponder

7. Masuk ke Ninja Saga

8. Setelah itu bersihkan chace

9. Baru pilih karakter yang akan kamu mainkan

Cara Menghapus chace :

· Untuk Mozilla Firefox : Tools -> Options -> Advanced -> Pilih Network Tab -> Clear Now -> Klik OK

· Untuk Google Chrome : Pilih icon yang berada di pojok kanan atas (sebelah bintang) -> Options -> Under the Hood -> Clear Browsing Data -> Empty the cache -> Clear Browsing Data

NB : DILARANG MEMPERJUAL BELIKAN CHEAT !!!!!!!!!!!

Artikel ini Dari http://cielo-inferno.blogspot.com

READ MORE - TP Hack [Talent Point] | Ninja Saga

Saturday, January 15, 2011

BUG HEALING SCROLL free USER / PREMIUM | Ninja Saga

1. Penuhikan Item kalian dengan Healing Scroll atau Cakra Scroll
2. Kalau sudah penuh, -->> ke hunting house
3. Di hunting house lawan shikigami yanki
4. Waktu lawan, habisin scroll yg ada di item kalian
5. Kalau sudah habis, isi cakra sampai kalian mati atau HP nya habis.
6. Kalau sudah mati char kalian ngelawan Shikigami Yanki, bli item lg dan penuhin item nya, kalo sudah penuh item anda dgn scroll (healing maupun cakra)
7. Refresh ns kalian...
8. Masuk ns, dan lihat Item kalian....

NB/: Free User--> 20-->40
PREMIUM USER--> 40-->80
jadi kalian punya Scroll banyak ...,,
Silahkan coba..mungkin masih bisa...

thanks for visit.....
READ MORE - BUG HEALING SCROLL free USER / PREMIUM | Ninja Saga

Cheat HP Kebal | Ninja Saga


Tools: Cheat Engine

1. buka CE
2. scan jumlah gold kamu...value type : 4 Bytes
3. akan muncul address d sebelah kiri...
4. klik 2x...addressnya muncul d bawah...
5. ganti address XXXXXXX78 menjadi XXXXXXXAC
6. atau bisa juga XXXXXXX78 menjadi XXXXXXX78+34
7. valuenya akan brubah jadi level kalian jangan centang frozen...ok

8. play PvP
9. klo HP atau CP menipis...gnti value level kalian...misalnya lv60...
10. ganti menjadi lv61...
11. HP dan CP akan kmbli penuh...lakukan berulang2...dan lawan kalian akan melihat kalian sudah mati...dan hidup lagi...

Thanks For Visit....

or can also use this cheat for HP millionsmillion

1. Buka Ninja Saga di Firefox (JANGAN PILIH KARAKTER ANDA DAHULU)
2. Pergi ke Cheat Engine 6.0 dan pilih proses Plugin Container.exe
3. Jenis Nilai: "Array of Bytes" , Scan Type: Cari array ini, tulis angka di bawah ini | di samping tulisan "HEX".
4. Scan " 28 00 00 00 0C 03 00 00 26 02 00 00 03 00 00 00 ".
5. Klik dua kali alamat.
6. Ubah nilai "  FF 22 0C 00 00 03 00 00 26 02 00 00 03 00 00 00 "
7. Sekarang Tekan baru scan dan scan " 28 00 00 00 88 13 00 00 28 00 00 00 03 00 00 00 "
8. Klik dua kali alamat.
9. Ubah nilai " FF 22 0C 00 00 03 00 00 26 02 00 00 03 00 00 00 ".
10. Sekarang pilih karakter Anda dan Play.

READ MORE - Cheat HP Kebal | Ninja Saga

Friday, January 14, 2011

40 TP PerDay | Ninja Saga

- Peralatan
  • Fidler <--------click to Download..
  • SWF file <--------click to Download..
Caranya
  1. Download fidler dahulu
  2. Install Fidelr sampai selesai
  3. Buka NS tapi jangan di play dulu.....
  4. buka fidler
  5. Pilih tab "Auto respond" dan centang "enable automati" dan bawahnya juga..
  6. Seret SWF itu ke dalam kolom kosong itu...
  7. hapus Chace Mozilla / SHIFT+CTRL+DELETE.. pilih chace saja..
  8. Play ninja saga
  9. Masuk ke shop ..pilih kolom item dan Beli satu persatu ......dengan jarak waktu 25 detik per buy
  10. buy 1 -> 4 ,, kekkai,another,screet, INGAT BELI HANYA 4 SAJA...kalau beli lagi akan refresh page......
READ MORE - 40 TP PerDay | Ninja Saga

Thursday, January 13, 2011

1 Hit Kill Boss | Ninja Saga

Cheat One Hit Kill
1. masuk ke kota ninja saga kalian
2. buka hounting house dan pilih bosnya dan attack
3. biarkan anda diserang dulu
4. setelah itu buka CE 5.6.1 buka gambar komputer kecill dipojok kiri atas pilih sesuai apa yg anda pakai buat cheat (kalo aku chrome.exe) lalu pilih 8 bytes centang ASROM
5. masukkan jumlah darah sibos itu dikotak scan
nih jumlah darah si bos:
1. gingerbrat: level kamu dibagi dua ditambah 000 dibelakang
contoh: saya lv 46 dibagi 2 jadi 23, jadi 23 tambah 000 dibelakang jadi 23000
2. ginkotsu : 7293
3. shikigami yanki : 12760
4. gedho sesso seki: 27950
5. wind tengu :12052
6. tengu fire : 15819
7. byako : 75816
8. ape king : 90720
9. battle turtle :132800
6. setelah itu keluar beberapa address
7. klik 2 kali di address yg paling atas
8. addressnya kan pindah kekotak yg bawah, habis itu valuenya diganti 0
9. setelah itu attack bosnya dgn jurus atau attack
10. apa yg terjadi???
READ MORE - 1 Hit Kill Boss | Ninja Saga

Cheat Gold | Ninja Saga


((  Working ))
Cheat Gold game Facebook Ninja Saga Desember 2010, untuk perabotan yang diperlukan teman-teman bisa download di bawah ini.
Fiddler klik here
File SWF klik here (SKIP ADD pojok atas sebelah kanan)
Nih tutorial terutulisnya perhatikan baik-baik –>
1. Install aplikasi Fiddler
2. Extract file yang di download tadi.
3. Buka aplikasi Fiddler lalu klik menu Tab “Autoresponder”
4. Seret file yang di extract tadi ke dalam Fiddler
5. Jangan lupa beri tanda centang pada tulisan “Enable automatic responses dan Permit passthrough”
6. Buka Web Browser Google Chrome dan silahkan buka game Ninja Saga.
7. Pada Ninja Saga buka Mission
–>  Grade C Mission –> Hardworking Student Level 1 dan selesaikan misi tersebut.
8. Jika sudah silahkan ke Shop trus buka item kalian dan lihat, senjata dengan harga yang mahal siap menanti untuk dijual.


READ MORE - Cheat Gold | Ninja Saga

Ninja Saga Hack Release v1.3 | Emblem 2.0

Peralatan :

· Fiddler

· SWF File (Password : "proud-to-be-indonesian") tanpa tanda petik !!

Caranya :

1. Download dulu fiddler

2. Kemudian Install Fiddler

3. Buka Ninja Saga kamu, tapi jangan pilih karakter dulu (jangan buka fiddler !!)

4. Baru jalankan Fiddler

5. Klik Tab AutoResponder (yg icon-nya petir hijau)

6. Centang kotak "Enable automatic responses" dan juga "Permit passthrough for unmatched request"

7. Jatuhkan .SWF File yang kamu download tadi ke kolom AutoResponder

8. Setelah itu bersihkan chace

9. Baru pilih karakter yang akan kamu mainkan

Cara Menghapus chace :

· Untuk Mozilla Firefox : Tools -> Options -> Advanced -> Pilih Network Tab -> Clear Now -> Klik OK

· Untuk Google Chrome : Pilih icon yang berada di pojok kanan atas (sebelah bintang) -> Options -> Under the Hood -> Clear Browsing Data -> Empty the cache -> Clear Browsing Data

Fitur :

· Free User bisa memainkan Misi Emblem User

· Recruit NPC lvl 100 (di shop)

· Reset Point

· Reset Element

· 1 hit Boss Hunting + Gingerbrat

· Instant Chunin And Jounin

· Talent Hack

· Gold Hack

· Secret Jutsu

· Event Christmas Hack

· Dan masih banyak lagi

Info :

- Jika ingin beli gold, Daily Task harus 4/4 atau 6/6 tapi JANGAN di CLAIM !!

- Jika ingin recruit NPC pergi ke SHOP, kem

udian tinggal di buy

-Pokoknya kalau kamu pake cheat ini, kamu kaya Emblem User

NB : DILARANG MEMPERJUAL BELIKAN CHEAT !!!!!!!!!!!

Artikel ini Dari http://cielo-inferno.blogspot.com

READ MORE - Ninja Saga Hack Release v1.3 | Emblem 2.0

EXP hack (ATM EXP) | Ninja Saga

Peralatan :

· Fiddler

· SWF File (Password : "Indonesia Merdeka pada bulan ?")

Caranya :

1. Download dulu fiddler

2. Kemudian Install Fiddler

3. Baru jalankan Fiddler

4. Klik Tab AutoResponder (yg icon-nya petir hijau)

5. Centang kotak "Enable automatic responses" dan juga "Permit passthrough for unmatched request"

6. Jatuhkan .SWF File yang kamu download tadi ke kolom AutoResponder

7. Masuk ke Ninja Saga

8. Setelah itu bersihkan chace

9. Baru pilih karakter yang akan kamu mainkan

Cara Menghapus chace :

· Untuk Mozilla Firefox : Tools -> Options -> Advanced -> Pilih Network Tab -> Clear Now -> Klik OK

· Untuk Google Chrome : Pilih icon yang berada di pojok kanan atas (sebelah bintang) -> Options -> Under the Hood -> Clear Browsing Data -> Empty the cache -> Clear Browsing Data

Cara Pemakaiannya :

· Kamu tinggal masuk ke "Headquarters" terus pilih "Token>Gold"

· Masukin jumlah EXP yang kamu butuhkan, kemudian klik "Xchange"

· Tunggu prosesnya sampai bener-bener selesai (setiap 20 detik EXP akan bertambah)

· Jika kamu level 40 tapi belum lulus ujian Jounin, maka kamu tinggal klik "Chunin/Jounin", maka otomatis kamu langsung lulus (Jangan lupa habis itu di refresh)

Info :

· Cheat ini work jika di pakai di atas lvl 20. Tapi saya sarankan kamu menggunakan cheat ini di atas lvl 40 (karena kadang di bawah lvl 40 terjadi error)


Artikel ini Dari http://cielo-inferno.blogspot.com

READ MORE - EXP hack (ATM EXP) | Ninja Saga

One Hit World Boss 2011 | Ninja Saga

Peralatan :

· Fiddler

· SWF File

Caranya :

1. Download dulu fiddler

2. Kemudian Install Fiddler

3. Baru jalankan Fiddler

4. Klik Tab AutoResponder (yg icon-nya petir hijau)

5. Centang kotak "Enable automatic responses" dan juga "Permit passthrough for unmatched request"

6. Jatuhkan .SWF File yang kamu download tadi ke kolom AutoResponder

7. Masuk ke Ninja Saga

8. Setelah itu bersihkan chace

9. Baru pilih karakter yang akan kamu mainkan

Cara Menghapus chace :

· Untuk Mozilla Firefox : Tools -> Options -> Advanced -> Pilih Network Tab -> Clear Now -> Klik OK

· Untuk Google Chrome : Pilih icon yang berada di pojok kanan atas (sebelah bintang) -> Options -> Under the Hood -> Clear Browsing Data -> Empty the cache -> Clear Browsing Data

Info Tambahan :

Lawanlah boss sesuai lvl, atau akan terjadi error. Misal, kamu lvl 1 tetapi kamu ingin melawan boss lvl 10 itu tidak bisa. Tapi jika kamu lvl 60, kamu dapat melawan semua boss.

NB : DILARANG MEMPERJUAL BELIKAN CHEAT !!!!!!!!!!!

READ MORE - One Hit World Boss 2011 | Ninja Saga

One Hit World Boss 2011 | Ninja Saga

Peralatan :

· Fiddler

· SWF File

Caranya :

1. Download dulu fiddler

2. Kemudian Install Fiddler

3. Baru jalankan Fiddler

4. Klik Tab AutoResponder (yg icon-nya petir hijau)

5. Centang kotak "Enable automatic responses" dan juga "Permit passthrough for unmatched request"

6. Jatuhkan .SWF File yang kamu download tadi ke kolom AutoResponder

7. Masuk ke Ninja Saga

8. Setelah itu bersihkan chace

9. Baru pilih karakter yang akan kamu mainkan

Cara Menghapus chace :

· Untuk Mozilla Firefox : Tools -> Options -> Advanced -> Pilih Network Tab -> Clear Now -> Klik OK

· Untuk Google Chrome : Pilih icon yang berada di pojok kanan atas (sebelah bintang) -> Options -> Under the Hood -> Clear Browsing Data -> Empty the cache -> Clear Browsing Data

Info Tambahan :

Lawanlah boss sesuai lvl, atau akan terjadi error. Misal, kamu lvl 1 tetapi kamu ingin melawan boss lvl 10 itu tidak bisa. Tapi jika kamu lvl 60, kamu dapat melawan semua boss.

NB : DILARANG MEMPERJUAL BELIKAN CHEAT !!!!!!!!!!!

Artikel ini Dari http://cielo-inferno.blogspot.com

READ MORE - One Hit World Boss 2011 | Ninja Saga