College Students …Don’t Get Drawn Into Online Gambling as Student Debt is Bad Enough. Tips-How to Delete Student Debt.

College Students …Don’t Get Drawn Into Online Gambling as Student Debt is Bad Enough. Tips-How to Delete Student Debt.

 

I am keenly aware how much of a “Game Changer” the laws passing in many states in America “Legalizing Online Sports Betting” IS …Let’s face it, college students love supporting their school’s teams in any form of sports and with “March Madness” in full swing, students may be more willing to give it a try. BUT? Many can be more leaning to, and it can become a problem for them. Hence,
MARCH is also Problem Gambling Awareness Month.

Now, I am not saying students WILL become addicted to online sports betting, but the possibility is always there. That would be devastating to these students as many already when leaving college are swimming in Student Debt!

If you are a student, and you feel the need to gamble or bet on sports? Please do it responsibly, and my Guest Article is here to help share some tips and advice on helping YOU get of Student/College Debt.

……
Helping College Student Get Out of Debt 


You’ve made it. You’ve passed all your final exams, lined up a few potential job opportunities, and are ready to get that degree in your hands. Maybe you had hopes that all those
anxieties you felt before you started your first semester of college would be gone after four years of schooling. But graduating brings on a whole new set of challenges. Finding a job in your field of study, finding affordable housing, and of course, paying off the loans that have been building up over time.


More than 40 million Americans have some form of student loan debt, with almost 6 million of those borrows owing more than $50,000. These numbers aren’t meant to scare you, but more to show you that you’re not alone in this. This kind of debt can take a mental toll as much as a financial toll. Maybe you have a plan in place to keep your student loan payments in check, but what about those that don’t? After all, it’s difficult enough to get through a grueling college experience, let alone prepare a foolproof plan to pay back your loans in a timely manner.

……
Image result for free images of college graduation

…..

What’s the First Step?


There are a few rather simple ways to help manage your student loans, and you may even find a few tips out there on how to stop paying your student loans altogether. However you decide to pay off your debt, whether you choose to enroll in income-driven repayments, pursue a career in public service, or receive loan forgiveness; the first step to managing debt is understanding it.


Understanding what type of loans you currently have to pay back will give you a better idea of how to pick the right repayment options. There are two types of student loans:

  • Federal Loans
  • Private Loans

Federal loans have protections from lenders, where private loans do not. It’s likely that you filed for federal student loans at some point during your time in college. Since private loans are not backed by the federal government, they are far more risky and expensive than federal loans. For that reason, they’re not nearly as popular.


Regardless of which type of loan you have, make sure to check out the National Student Loan Data System to view a complete listing of all your federal loans. If you’re not seeing some of them on there, they’re likely private loans. Begin by viewing your current credit reports, and make note of both the lender contact information and balances of each private loan. Both of these things will be necessary for the future.

Pick a Repayment Method


Repayments can be both daunting and downright confusing. Take the time to fully understand the pros and cons of each method of repayment. There will be trade-offs between each option, but here is a general overview of each:

  1. Standard Repayment

For loans that aren’t consolidated, you can choose to repay in a standard method. All this means is that your payments will be the same over a ten year period. Depending on your balance, these monthly payments may be high, but the quicker you pay off your loan the less you’ll be paying in interest.

  1. Income-Driven Repayment

If your debt is relatively higher than your current income, you may want to take advantage of the income-driven repayment plan. Your monthly payments will be established by the percentage of your current income. This means if you don’t earn a lot at the moment, your loan payments will be significantly lower.

////
Related image
……

Although there are clear advantages to this type of repayment plan, there are a few significant drawbacks. You’ll be required to verify your income annually, and because the payments are lower, interest charges will be considerably higher.

Get Your Loans Forgiven

There is a federal program called Public Service Loan Forgiveness that forgives student debt remaining after 10 years of qualifying payments for those in nonprofit, government, or public service jobs. There are even more loan forgiveness programs and options for those working in the military, those in teaching positions, or those in medicine.

Most Importantly

Don’t ignore the debt! Ignoring your debt can lead to some serious consequences. Not making payments at all can lead to your loan defaulting. If that happens, the loan balance as a total will become due, wrecking your credit score. You may even have your wages and tax refunds garnished by the government. If you know you’re in danger of defaulting, talk honestly with your lenders. There may be a way to keep this from happening.

Don’t panic! So many people before you have had trouble making payments on their loans due to unemployment, health issues, or those general unexpected financial challenges. Remember, options for managing your loans exist. There are legal and legitimate ways to postpone your payments for a short period of time.

If you’re experiencing a temporary hardship, try deferment or forbearance. Some or all of the loan’s interest may still accumulate even if your payments are postponed. If it’s at all possible, make interest-only payments. Begin today with using these tips and wipe out your student debt!

….
Related image

A Very Special Recovery Guest and Now a New Published Author and Advocate. Meet Jason Hyland.

A Very Special Recovery Guest and Now a New Published Author and Advocate. Meet Jason Hyland.

“Those of us maintaining long-term sobriety know that addictions don’t care if you are rich, famous, a sports pro, have status, …ADDICTION has no boundaries on who it “Touches.”  ~Author/Advocate Catherine Townsend-Lyon
.
Through the years within my recovery and writing journey, I have met many amazingly talented people who have become friends and like me, they feel writing is a necessary part of maintaining our recovery and a part of the advocacy work we do. While writing two years for a popular recovery magazine, I have met and interviewed many high profile people turned friends like my buddies, former NFL pros Vance Johnson, Randy Grimes, and also tattoo artist Kat Von D! …No, I don’t get “star struck” at all, as my friend Jason Hyland is no different.

He was well on his way to go from the minors into the Major League of Baseball family until addictions derailed those dreams. Coming from a home with an alcoholic father passed to Jason, now clean and sober, he has a unique gift of inspiring and motivating others to enjoy your life even when maintaining recovery.

As Jason shares of himself; “I am a former minor professional baseball player. Boston bred, thick & thru. And I’m Living the Dream!” Not surprising as I find him humorous and to be an exceptional writer and author of his first published book that was released just this past June 2018 titled; Stop Thinking Like That: No Matter What.”

.

4101woyYqEL._SY346_

.

Jason’s book is now available in both paperback and e-book formats on Amazon Books, Amazon Kindle, Barnes and Noble, and Walmart Online.  I am about to read it myself and will definitely come back when done reading it and add my ‘Book Review’ here on my Recovery Blog, Amazon, which he has all 5-star reviews, and GoodReads. Here is more about the new release and it shares a wee bit more of what Jason does to “pay it forward” to those who still suffer from addiction.

About Jason’s Book

Hyland’s charismatic, witty, and candid writing style brings you onto the couch with him as he takes you through the wallows of addiction and alcoholism at its greatest depths, to a rejuvenated, motivated, inspirational rebirth. He is an example that addiction does not discriminate and puts to rest the stigmas attached. He was a man who seamlessly had it all with a bright future ahead, but the power behind drugs and alcohol took a stranglehold on him, halting any progression. Stop Thinking Like That is not your typical addiction story leaving you sad and depressed, rather you end each chapter inspired and uplifted.


After a nearly two-decades-long run in and out of the bowels of the diseases, he finally surrendered and found the courage to ask for help. His journey in recovery gives hope to anyone facing great challenges in life, that no matter how far down you have dropped, you can pick yourself up, and be even better than you ever imagined. During his first couple months sober, a newfound passion and burning rush filled him within. This passion has brought to light what is now Stop Thinking Like That.


All the while living in a sober-home with upwards of eighteen other addicts and alcoholics, he relentlessly pursued his passion of spreading the message of hope. His tireless efforts ooze through the pages in his quest to find the greatest version of himself that exists. He leaves you wanting to jump out of your chair and attack life, with constant motivation and reminders of what we are capable of despite how lost we may feel we are.

Hold on tight, because this journey is one exhilarating roller coaster ride that will leave you inspired to be a better person and with the drive to help others. No matter the adversities you face in life, you can overcome them and live out the life you always dreamed of.

Hyland is living proof that anything is possible if you want it bad enough. 
.

DpLFA0GVsAATixu
.
Now, Jason and I met on Twitter and he is my “Re-Tweet King!” When we see each other on Twitter, we have a chat through DMing each other as I learned pretty quick how amazing he was and how he truly cares about those suffering from addiction! As a matter of fact, he was so generous that the very firstRecoveryfest Music Concert” put on by ” Above The Noise Recovery Foundation” – Jason gave away 20 Free Tickets to it as Macklemore performed and many others!


He inspires and will motivate you to not just “Live Life Within Recovery,” he “Inspires” you to “Live Your Life 2 The Fullest” while maintaining recovery! I do believe the photo above Proves my point! Lol. As he shares on his ‘Tweet Profile,’ he describes himself like THIS:  
“Bestselling Author of Stop Thinking Like That. Former minor leaguer turned addict turned Recovery Coach, I live to Inspire, Motivate & Spread HOPE thru Sobriety 7/24/17!”

So, he was willing and gracious enough to answer some interview question about his talented writing style as the book reviews for his new book are exceptional, so he had to have done a pretty good job writing his first book … Here are my interview questions I asked him from more of a “writers perspective” and how he answered.

.

41ZIQpWFOZL
.

1) What inspired you to write a book?

I entered detox on July 24, 2017, and with me, I brought an empty notebook. I figured I would have a lot of alone time on my hands and thought journaling would help take up as much as possible. I journaled every night about basic things, from what I ate that day, any people I may have conversated with, like those who liked me, who doesn’t like me, etc, etc, just stuff like that.

Nothing major, just used for time consumption. Then one day I wrote a story about what my mornings were like during the heart of my addictions to alcohol and opiates. To this day, every time I read that piece I’d get goosebumps and it brings me immediately back to that environment. I was shocked at how great this piece came out so I brought it to a counselor at the 6-month program I was now living at, whom I trusted and she was amazed, as well. She said she felt all 5 senses through my writing of the imagery, and I said I might be onto something.

I had shared in my early weeks of recovery, and during one of the group sessions that I was going to write a book, and of course, everyone thought I was crazy.  But after this piece, I knew it was going to happen. I went out and bought a 5-star notebook with plans to use each section for a particular characteristic needed to succeed in not just recovery, but life itself. On the first page I wrote down the chapters names, and at the point, each chapter would be about one of the characteristics and I’d include a personal story relevant to the trait.

This, of course, isn’t how the book turned out to be, but the journey had begun. At one point I was writing in three different notebooks while reading a book a week on personal development and inspirational stories. My mind was being consumed with nothing but positivity and it oozed out of me into my writing. Something within me kept telling me to keep writing, this feeling was so real, burning in my belly, to continue no matter what. Naysayers, critics, haters, family, friends, no one believed in me, but that was okay because all that matters was that I believed in myself.

 

2) Tell us about your writing process

The program I admitted myself in we could not have a cell phone, internet access, or a car, so I had to utilize the 2-hour gaps we were allowed to leave the house as best I could. I would write in my notebooks at night and then walk to the library to type it up the following day. I did this nonstop literally until I graduated that program on February 23, 2018.

It is great to look back on all the notebooks, print-outs, mini notebooks with certain words I liked from a book a read and wanted to put into my book, and so forth. I did the math and estimate I spent around a 1,000 hours between writing ‘Stop Thinking Like That: No Matter What’ and then editing and publishing. The most tedious and time-consuming part was uploading my book onto Createspace, Amazon’s publishing platform. Writing came easy to me, and while doing so you’re not thinking about things such as fonts, formatting, page #s, etc., so I researched the best fonts for a self-help genre and taught myself everything on the fly.

Literally, from the first page to the last, and front cover to back, I did it. I hired someone from Morocco from the Fiverr to put the book cover together based on a design I drew in, you guessed it, a notebook. I have the pictures to show the drawing to the actual cover, and it is a beautiful sight.

3) What advice would you give other addiction-recovery writers?

Do NOT listen to the noise. There will be a lot of people trying to make you go about your recovery their way, try to slow you down, or to tell you that you can’t, it is all BULLSH*T!

Don’t listen to anyone, just follow your gut instincts. The further along you get the more people will try and hold you back. Those are the ones you do not need around. Toxicity is not allowed. AND just as importantly, be HONEST! People want to know you’re authentic and real, so don’t fear to be as raw and candid as you must.

Remember, writing is your therapy first, others second, so do whatever it takes to keep you on the right path. You will notice more people joining your side and rooting you on the more honest you are, as well as people reaching out to you because they realize they aren’t alone in this battle. Your truth speaks wonders.

 

4) How did you decide how to publish your book?

A family friend has published multiple bestselling books, so I reached out to him for advice.  His only advice was “to keep writing,” stating many people ask him for help, but then never follow through.  I followed through, and he continued guiding me on the process.  He suggested self-publishing my first book for two reasons; build an audience for future works, and to save/make maximum money.

I wasn’t working obviously while in rehab, so I didn’t have the funds to work with a publishing company, nor utilize an editor but was fortunate that my much-smarter-than-me girlfriend offered to edit the endless amounts of work I continuously sent her.” The closer I neared the finish line the more motivated I got. I knew the end result before I even got there. I sent my mother an email back in November which I saved, stating simply,  “I will become a bestselling author!”

Within 2 weeks of  ‘Stop Thinking Like that;’ and the help of pre-orders, made it became at release a #1 national bestseller in multiple categories in both paperback and Kindle, at the same time! It was such a proud moment, I had tears streaming from my eyes because I did it.

Not only to prove to myself that I can do anything I put my mind to as mom always stated, but to show all those who are struggling and feel hopeless that they too can achieve anything they want.  I am nobody special, I was at the bottom stealing from family, going through rubbish for cans, and stealing toilet paper from Burger King bathrooms. Today, I can now call myself a bestselling sober author. I set out on a mission to show anyone and everyone that “The sky truly is the Limit.”



5) Why a recovery book?

Funny thing is, it isn’t really a recovery book, but more so self-help and personal development book. And it is NOT a memoir by any means, although it does include some personal stories about where drugs and alcohol took me, the power they had over me, and hitting bottom.

It is about finding yourself at your bottom, then crawling, digging, scratching, and kicking your way out behind discipline, perseverance, good ‘ole fashion’ hard work, and most importantly faith in yourself. It is about realizing you can still achieve all your goals in life, live out the life you’ve always dreamed of and then some. It doesn’t matter how far down you may be today, your new life can start at the snap of a finger.

I have been blessed to have this second chance, and it didn’t take long to realize I had a purpose. That was to use and share my story to help others as ‘Stop Thinking Like That’ has opened up those many doors for me.

6) What do you think about the future of book publishing for addiction/recovery books?

I know you will start seeing more addiction/recovery books being published for two reasons:

1) – Self-publishing has given the average writer the chance to show their work to the world. I am not alone in saying many do write to help their recovery, as people like myself can take all those journals, notes, and stories, and put them into a book with our name on the cover.

2)With addiction being an American crisis and epidemic, everyone knows someone that is affected by addiction, no one is immune. The general public is now aware that it doesn’t matter how much money you make, where you live, what color you are, or what job you may have, ADDICTION DOES NOT DISCRIMINATE. You are seeing more individuals building up the courage to come out and tell their story.

It is not about being anonymous anymore, people realize they are not alone and that it is okay to be vulnerable, which I believe is a sign of strength. It takes courage and vulnerability to allow yourself open up to the world. It is how we can not only heal ourselves but help others at the same time.  Admitting you need help is VERY difficult, anyone will tell you that. So when we do find that courage to do so, we realize we don’t have all the answers, and that takes guts.

7) What types of genres you write or would like to write?

I have read upwards of 30 books in the first 6 months of my recovery all about personal development and helping me become a better human being. From; ‘Carnegie’s How to Win Friends and Influence People’ to Chris Herren’s ‘Basketball Junkie,’  to Tony Robbins and John Maxwell. Everything I read helped me in one way or the other, and I quoted around a dozen of the books I read in my book. I am a very positive person because I have witnessed firsthand the power of a positive mind.

The human brain is extremely powerful, and a determined mind is the most powerful thing known to man. I love reading about success stories, industry titans, everyday people overcoming massive odds, and building up my “knowledge brigade” aka my brain. I like to learn, and there is an infinite amount of knowledge to discover within the pages of any book.

8)  Will, you write another book and why?

YES! Because I want to help as many people as I possibly can and for whatever reason, my Higher Power whom I choose to call God has given me the platform to do so with writing.  And it certainly doesn’t hurt that I really enjoy writing, too

 

9) Lastly, what is one funny thing NO ONE Knows about you?
When I was young my mother would put me to sleep by playing jazz music, in particular, Kenny G…and I still do that to this day. 🙂

Readers, you will enjoy seeing Jason on this “Catching Up with Katy, State Senator Kathleen O’Connor Ives video! – I welcome a very special guest Author, Jason Hyland.” 
An amazing in-depth interview with Jason worth a watch!

http://haverhillcommunitytv.org/video/april-2018-jason-hyland

.

I want to thank Jason for allowing me to share some his story and about his amazing writing style with all my recovery friends and visitors. Please take a listen to Jason’s full story above and below at an outdoor Recovery Speaking event! They both are heartfelt and uplifting and a true example of how we can make it through the other side!

 

 

You can connect with Jason on social media and visit his  Website ~JasonHyland.   –  Twitter –  Instagram –  Facebook –  Amazon Profile and Book Purchase!

Big Thanks To My BFF In New York For Updates & Les Bernal -Gambling Changes Are Coming New York!

GOVERNMENT REFORM GROUP TO MAKE MAJOR ANNOUNCEMENT ABOUT NEW YORK STATE’S NEW INTERNET GAMBLING LAW

.
imageedit_1_7801205359

MEDIA ADVISORY: Government Reform Group to Make Major Announcement About New York State’s New Internet Gambling Law……

MEDIA ADVISORY                       CONTACT: Les Bernal
October 4, 2016                                           (202) 567-6996 ext. 1

.

WHO:      Attorney Neil Murray, O’Connell and Aronowitz, Albany, NY
Les Bernal, National Director, Stop Predatory Gambling
Robb Smith, Executive Director, Interfaith Impact of New York State

WHAT:      Attorney Murray, Les Bernal, and Smith will make a major announcement regarding the new internet gambling law enacted recently by the New York Legislature. The law includes the legalization of daily fantasy sports gambling.

The state’s constitution prohibits gambling, except those forms specifically granted exemptions, such as wagering on horse races, charitable contests, a limited number of commercial casinos and state-operated lottery.

Amid a lavish lobbying campaign by internet gambling interests, the Legislature amended state law in June to declare that fantasy sports contests are “games of skill” and not illegal “games of chance.” This action was an attempt by internet gambling supporters to evade the longer process of amending the constitution that requires passage by two successively elected legislatures in Albany followed by a statewide voter referendum.

New York State Attorney General Eric Schneiderman is already on record declaring that daily fantasy sports gambling violates the constitution.

WHEN:       Wednesday, October 5, 2016, at 10:30am

WHERE:     LCA Press Room, Room 130, NY Legislative Office Building, Albany, NY

Les Bernal
National Director
Stop Predatory Gambling

“Improving the lives of the American people, using education and advocacy to free us of the dishonesty, exploitation, addiction and lower standard of living that commercial gambling spreads.”

****IF YOU LIVE NEARBY PLEASE ATTEND AND STAND UP TO STOP INTERNET PREDATORY GAMBLING WITH “DAILY FANTASY SPORTS GAMBLING – IT VIOLATES OUR CONSTITUTION!! IT IS DEVASTATING FAMILIES ****  

“Recovery Joke And Humor For The Day That Has Nothing To Do With Recovery”…

Hello Recovery Friends, Seekers, And Welcome New Friends,

 

This will most likely be the shortest blog post in my blogging career and in blogging history!
What’s the fastest way to end your career, your life, and lose all you have worked for in just one instant?
.
Just do what “LA Clippers Owner DONALD STERLING” did, “Talk to your mistress about your true feelings toward “African-Americans,” and be dumb enough not to know the skank is baiting you and recording the conversation the whole time”!
.
THAT’S HOW FAST YOU LOSE EVERYTHING IN AN INSTANT, WHAT?
Image: Los Angeles Clippers owner Donald Sterling (© Kirby Lee/USA TODAY Sports)
*THE DUMMY*

.

Image: Rochelle Sterling at the Golden State Warriors/Los Angeles Clippers game on Tuesday (© Noel Vasquez/GC Images/Getty Images)
*THE WINNER* 
Sterling’s wife cheers on team after ban
Rochelle Sterling asked for permission from the Clippers coach to attend last night’s game, just hours after her husband was banned from the NBA for life….
.
Getty, Instagram
* Rochelle Sterling is mad as hell and she’s not going to take it anymore*

.

*THE GOLD DIGGING MISTRESS BAITER*

 

SO, Can “Hollywood” Write A Better Script Than This One? NOT!
.
I have to say that this one MAN in one phone conversation tried to take this country back to “Slavery” times, but he just couldn’t get the job done, so I do believe he got what he deserved…..
I’m sure by now everyone has heard all bout this story, so I just had to “Blog It Like I See It” and add my 2 cents worth with a little humor, as I’m sure now it will be our biggest NEWS story on TV for the next 2 months along side the airplane we still can’t find!….Oh Please enough already!….
.

“Author, Catherine Townsend-Lyon”
http://www.amazon.com/dp/0984478485