Florida bankruptcy: Chapter 7, 11 or 13

If you & # 39; re considering filing for bankruptcy in Florida, you can be sure which type is right for you? There are three different types of bankruptcy, Chapter 7, Chapter 13, and Chapter 11. Each is designed to offer assistance from lenders to those who give, and each of them has certain rules and regulations that are used to determine who can use what.

head 7

With Chapter 7 bankruptcy, those who file is able to carry out all unsecured loans, such as those associated with credit cards, medical bills and personal loans, protecting assets from creditors, the court finds liberation. The property, which is exempt includes your home, primary vehicle and personal belongings.

Taxes, mortgages, car payments and other debts are not forgiven in accordance with Chapter 7, and the perpetrators may still lose your car or house, if they do not make timely payments. To file for personal bankruptcy under Chapter 7, the debtor must qualify subjected to a means test or perform certain financial criteria. A qualified bankruptcy attorney can explain the process to you and help you determine whether you qualify for Chapter 7.

head 13

Chapter 13 & # 39 is another form of personal bankruptcy. If you do not meet the test means to Chapter 7, there is a chance, if you're crushing debt that you can qualify in accordance with chapter 13. Chapter 13 allows the lender to pay the debt on a schedule established by the debtor and approved by the court.

Under Chapter 13, a person filed for bankruptcy, usually pay a certain percentage of their debt off and the rest will be easy. The court usually gives the debtor from three to five years to take care of their accounts. After that, all debts, or & # 39 they are paid or not, say goodbye.

How is chapter 7, the person who filed for Chapter 11, must pay taxes, mortgage loans, car loans and other such debts, and to keep current on all. After the payment schedules are approved, the debtor establishes payments to the court, and the court shall pay to the lender on time.

head 11

The third variant of bankruptcy, Chapter 11, as a rule, is less common than the other two. It & # 39; because Chapter 11 of & # 39 is more complicated than Chapter 7 and 13, and are often more expensive. It also includes a greater risk. Chapter 11 is usually used by corporations, allowing them to reorganiz and negotiate with creditors on their debt. Sometimes individual business owners will use it when they have too much debt to file for Chapter 13, but still feel the need to file.

Bannockburn: A Relaxed Location Offering a Short Chicago Commute

Illinois is a state filled with several industrial towns, an abundance of agriculture, and a significant amount of natural resources. The city of Chicago can be found in the Northeast region with agriculture dominating the central as well as northern portions of the state. Natural resources such as petroleum along with varying industries provide a broad spread economy through Illinois. The state is also a transport hub where ports in the Great Lakes area make their way through the St. Louis. Lawrence Seaway to portions of the Atlantic Ocean. The Mississippi and Illinois Rivers offer multiple transportation opportunities as well. There are many suburban areas to this large city, some are commonly referred to as the North Shore region. Real estate values ​​in the area are above average, with a median resident age range of twenty one years. Household imports typically range around two-hundred grand and are above average when compared to the state as a whole. There are advantageous locations to live near the Tri-State Tollway, making it a suitable commuting location for those working in or around the "Windy City."

Lakes in the Area are Surrounded By Gorgeous Scenery

Smaller towns around the area may be less populated, but offer a unique business prospect due to its close vicinity to the main city. Companies choose these small suburban areas to have a laid back environment in combination with a short travel commute to manage large scale business transactions. The area is mainly populated with residential homes; however, several businesses have also decided to make this town their place of residence. Some locations provide stunning lake views and consist of modern architectural designs. Takeda is one of the top ranked pharmaceutical companies in the Nation, supplying numerous medicines for blood sugar management, acid reflux, high blood pressure, sleep complications, and other conditions. This company calls one of these smaller suburban areas their corporate headquarters

There is a wonderful office plaza located near I-94, requiring only a short walk to reach a vicinity of accommodations, dining, and retail businesses. The plaza resides on sixty-six acres of land. It supplies vast trees, scenery, walking paths, and one-hundred thousand square feet of business space. This structure is just one example of the stunning beauty provided by many towns in this area. Nearby buildings include the Halsted Street Deli, Dominick's, an athletic club, Panera Bread, the local school district, and additional businesses. Two major roads lead to Interstate-94 or the Tri-State Tollway, which takes commuters directly into the metropolitan region, as well as many surrounding neighborhoods. The Trinity International University, ball fields, and College Park Corporate Center are located next to the I-94 exit. A few parks may also be found in the general vicinity, with additional attractions available in nearby towns. The area provides a great environment for small business or family living by offering a serene location outside the larger metropolitan area.

Florida Tourist Attractions – Part 3

Canoe Camping at 10000 Islands, Everglades

The best way to experience the tranquility and beauty of the Everglades – and that is devastated and the lush, tropical yet foreboding with & # 39 is canoing or kayaking through the excellent network of waterways that skirt the north-western part of the park. 10,000 islands consist of many (but not really 10,000) tiny islands and mangrove swamp that hug the southwestern most border of Florida. Wilderness Waterway, a path 99 miles between Everglades City and Flamingo, is the longest canoe trail in this area, but there are also shorter trails near Flamingo.

Most of the islands are fringed by narrow beaches with sugar-white beaches, but note that the water is brackish, not clear, and very shallow most of the time. This is not Tahiti, but it's interesting. The best part of the & # 39 is that you can camp on your own island for a week.

Moving the 10,000 islands is pretty simple, if you strictly follow the NOAA tide and nautical charts. Going against the tide with a & # 39 is the fastest way to make it a miserable trip. Gulf Cost Visitor Center sells nautical charts and gives out free tidal charts. You can also buy graphics to your visit – please call 305-247-1216 and ask for the schedule Nos 11430, 11432 and 11433.

Parrot Jungle Island, Miami

Parrot Jungle (305-666-7834; 1111 Parrot Jungle Trail, off I-396 / MacArthur Causeway, adult / child $ 24.95 / 19.95; 10 am-6pm) was vulgar attraction since 1936, but since 2003 move to much0more available Spit between South Beach and Miami city center, it has become much more elegant place to visit.

His new 18-acre coastal line of the & # 39; object planted and beautifully decorated minimum of pesticides and solidified with 27,000 tons of structural fill, is now the proud home of parrots, macaws, flamingos and cockatoos in endless varieties, some in the cage, but many flying in outdoor enclosures that mimic their natural environments.You can watch birds, talk to them and feed them, or set back and let them entertain you in one of the areas of the scene (where trained birds chat and, unfortunately, dance for the audience) .

Other creatures have include snakes, crocodiles, gibbons and orangutans, creating a mini-zoo that kids especially enjoy. Passages covered (from both rain and bird feed), as well as indoor dining, gaming and shopping area provide plenty of shelter from storms. Parking is available for $ 6.

Everglades National Park, Everglades

The only subtropical preserve in North America, this park is filled with a large set of environments and creatures: temperate and tropical plants, marine life and wading birds. In addition, it is the only place on earth where alligators (who prefer freshwater) live side by side. In the parks three inputs allow you to select the type of experience you would like to have if it was like the end of a wooden lookout to watch the sunset, cycling along side swampy float lands or kayaking from island to island until you find the best place to set up camp on night.

There are three main entrances to the park – one along the southeast edge near Honestead and Florida City (Ernest FPC), one in the center-north side on the Tamiami Trail (Shark Valley) and a third on the beautiful northwest coast (Gulf Coast), past Everglades City. From the entrance it, follow the highway in 9336 The Flamingo, a visitor area offers everything from guided tours by boat to the lodge and restaurant. Shark Valley, where you'll find a convenient tram tour, while the Gulf Coast region with a & # 39 is the least developed and caters to tourists and kayakers.

Author: Kenneth Ng

Earthquake Insurance – Protect Your Assets and Investments

Earthquake Hazards in the United States

Although the West Coast and Alaska generally has the greatest earthquake activity, the potential for earthquakes exist almost everywhere in the United States. Active areas in the Midwest include: 1) The New Madrid Seismic Zone in southeastern Missouri which has the potential to impact eight states: Alabama, Arkansas, Illinois, Indiana, Kentucky, Mississippi, Missouri, and Tennessee; and 2) The Wabash Valley Seismic Zone along Illinois-Indiana border that would impact three states: Illinois, Indiana, and Kentucky. In Eastern United States, another active region is the Charleston area in South Carolina.

Earthquake Prediction in California and the Midwest

California has 99.7% probability of having a moment magnitude Mw = 6.7 earthquake (same as Northridge event) during the next 30 years. The southern segment of San Andreas Fault has the highest probability of generating such an earthquake in Southern California with a 67% chance of striking Los Angeles Area, while Hayward Fault is the most likely earthquake source in Northern California with a 63% chance of striking San Francisco Bay Area. Larger earthquakes are less likely during the same time frame; 94%, 46% and 4.5% for Mw = 7.0, 7.5, and 8.0, respectively. On the other hand, the probability of a New Madrid earthquake of Mw = 6.0 or greater occurring in the next 50 years is 25-40%, while a repeat of the 1811-1812 earthquakes of Mw = 7.7 is 7-10% according to the United States Geological Survey. However, most structures in the Midwest were not built to withstand earthquake shaking. Moreover, earthquake awareness and preparedness in the Midwest have lagged far behind as compared to the West Coast.

What if your Home is Destroyed or Partially Damaged?

Many people wrongly believe that the United States Government will take care of all their financial needs if they suffer losses in an earthquake which is not true. In fact, the federal disaster relief programs are designed to help you get partly back on your feet but not to replace everything you lose. In the meantime, homeowners insurance does not cover earthquake damage to your home and possessions. Therefore, most of the property damage caused by an earthquake will end up being handled and paid for by you. In addition, you are still responsible for your existing debts such as mortgage, auto loans, and credit card payments even if your home is destroyed or partially damaged.

How to Protect your Assets and Investments?

If you own your home, it is probably your biggest financial asset. You have worked hard to secure your piece of the American Dream to become a homeowner. Your assets and investments made in personal belongings may be at risk when an earthquake strikes as your home will probably have some level of damage. How do you plan to protect these assets and investments from the costs of destructive earthquakes? Earthquake preparedness plans that include retrofitting your home and mitigating its contents are effective ways for protection against earthquake damage. Another option for managing the potential costs is to buy earthquake insurance.

Earthquake Insurance

Earthquake insurance provides coverage for ground shaking that may destroy your home, business, and personal belongings. Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, is provided by standard homeowner and business insurance policies. On the other hand, cars and other vehicles are covered for earthquake damage only under the comprehensive part of the auto insurance policy. The states of California, Washington, Missouri, Tennessee, Oregon, Illinois, New York, Kentucky, Florida, and Indiana are the top 10 largest markets for earthquake insurance coverage. Earthquake insurance premiums differ widely by location, insurance company, and the construction material of your home. Older buildings cost more to insure than newer ones. Wood-frame structures benefit from lower rates than unreinforced masonry buildings as they tend to withstand earthquake forces better. A wood frame house in the Pacific Northwest costs $1-3 per $1,000 worth of coverage but less than $0.50 on the East Coast, while an unreinforced masonry home costs $3-15 per $1,000 in the Pacific Northwest but $0.60-0.90 in New York.

Do You Need Earthquake Insurance?

A wise decision on earthquake insurance is crucial if you live in an active seismic region. My family and I survived the 1995 Kobe Earthquake because I decided to live in a relatively new reinforced concrete apartment building although the rent was higher than traditional Japanese wooden houses. The three story main building stood still after the earthquake except an extension that partially collapsed, while many of the surrounding traditional houses completely collapsed. However, the apartment contents were damaged including the refrigerator, a microwave, and a large TV. The answers to the following questions may help you to decide if earthquake insurance is right for you:

  • Do you know the plausible earthquake hazard at your home?
  • How much would it cost to repair/rebuild your home?
  • Can you afford paying the mortgage while also paying to repair/rebuild your home?
  • Can you afford losing your home equity?
  • How much would it cost to replace your household expensive possessions (furniture, computers, HDTV’s, refrigerators, etc) if destroyed?
  • How much would temporary accommodations cost if you cannot live in your home after the earthquake?

Interesting Facts on Earthquake Insurance

It is surprising to know that only 12% of California residents currently have earthquake insurance coverage down from 33% in 1996 when the devastating 1994 Northridge Earthquake was still fresh in people’s minds. On the other hand, 35% of Missouri homes have earthquake insurance coverage which seems reasonable.

Concluding Remark

On January 09, 2010 the powerful Mw = 6.5 Offshore Northern California Earthquake caused moderate damage to the City of Eureka and elsewhere in Humboldt County. Few days later, on January 12, 2010, a catastrophic earthquake of magnitude 7.0 struck Haiti which is considered to be one of the deadliest quakes in the last four decades. These earthquakes are wake up calls for individuals living in active seismic regions to re-consider retrofitting their homes and mitigating their contents to protect themselves and their families; to develop, update, or maintain their own earthquake preparedness plans; and to re-consider buying earthquake insurance to manage the potential costs of future inevitable earthquakes.

Lovable Fort Myers Beach, Florida – United States

Do you want to spend time in this blue American beach town? Then you should plan a trip to Fort Myers Beach in Florida. The city is located on the southwestern part of the state, along the banks of the Caloosahatchee River. In particular, he sits on an island bar & # 39; er, stretching for seven miles!

Beach lovers will not bother to enjoy soft sand stretching that go on for miles and miles. Here the beaches are not only long but also wide and very gradually sloping. Some of the beach-oriented location for exploring include TARPON Bay Beach and Beach Bowman. In addition, Fort Myers has a reputation for having raised and pleasant atmosphere is ideal for visiting seven & # 39; families, young and all types of tourists.

People are studying in Fort Myers, as a rule, have no need for a car. You can easily get around on foot or by bike. On the island there are several routes to the main areas, including a very picturesque coastline. In addition to being a place where you can just sit and relax on the sand all day, for Myers also the place where you can engage in outdoor various water sports and. You will always see a play beach volleyball, tennis and Gold game. Parasailing and fishing charters are also equally popular for beach goers. If you are interested in canoeing or kayaking, make your way to the Great Calusa BLUEWAY, where 40 miles of canoe trails are waiting to win!

Fort Myers, a very convenient location to do some trips around the island. Only on its coasts are Captiva and Sanibel islands, which make an excellent day trip. But if you want to go further, you'll be glad to know that the city is actually surrounded by about 100 coastal and bar & # 39; ernyh islands.

Fort Myers also has a number of companies that offer dolphin watching cruises. This type of cruise will take you to the main sports field of the bottlenose dolphin, and you will witness these lovely creatures in action. And because the dolphins are very friendly and playful animals, there is a good chance that you will get to see them close! Therefore, on dry land, the main venue for events and holidays with & # 39 Myers is P & # 39; er Fort at Lynn Hall Memorial Park. This access point extends into the ocean for an incredible 600 feet long. So it's really no wonder why more restaurants, shops and other establishments were built around the area to take advantage of the magnificent views of the ocean. Fort Myers with & # 39 is the perfect place to have a great walk and watch people go about their day.

Shell Museum Bailey-Matthews to the & # 39 is one of the must-see attractions in the Fort Myers area. Located on Sanibel Island and dedicated to the preservation of the shell; The museum also has a large collection of all not only exquisite shell found in the region, but also those around the world.

Due to its popularity, there are a lot of property that can be found in the city of Fort Myers, and their proposed prices can fit a wide range of budgets. In addition to hotels and resorts, beach vacation rental home with a & # 39 is quite popular for those who would like to stay in Fort Myers for a significant period of time.

Which States Allow Criminal Record Expungement?

With so many laws being passed and repealed every day, it’s hard to keep up. And although most people are unaware of new laws being passed in their state, there is one new law that many cannot afford to ignore. Criminal expungement is now legal in several states within the country. This new law allows past criminals to seal or restrict their past arrests and convictions from public view. There are endless benefits to this law, but not all states have approved it yet. Continue reading to learn more about criminal record expungement and which states have approved the law.

Expunging Criminal Records

The new criminal record expungement laws have the ability to change people’s lives in a dramatic way. With certain criminal records weighing over a person’s head and lingering on their public record, there are certain consequences. Aside from criminal stigma and judgement, a criminal record can hold a person back from any benefits that require a background check. This includes applying for a loan, renting an apartment, getting a job, and more. Now, in cooperating states, people have the opportunity to have these past criminal records sealed or restricted from the public, with the exception of police and government officials. This allows people to take advantage of certain benefits, like better jobs and home loans, and live a better life.

Most states have adopted this new criminal record expungement law, but some are still lingering on the back burner. Since most states have not approved and passed this new law, it is more efficient to list the ones that have so far. Here is a list of states that allow expungement:

  • Indiana
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Florida
  • Illinois
  • Missouri
  • New Hampshire
  • New Jersey
  • New York
  • Oregon
  • Ohio
  • Utah
  • Texas
  • Tennessee
  • Washington

Although these states have approved the law, it is not a permanent law. They have only approved it for a trial period. And since there are several opposed to this law, there is no telling when or if it will get repealed. This means it is important to take advantage of this opportunity while it lasts. The only catch is that not everyone will qualify for criminal record expungement. There are guidelines that one must meet to be eligible to conceal or expunge their records. This is why it is necessary to hire a licensed criminal attorney for accurate and professional help. A person can only file one time in their life, and just one mistake can take that chance away. A lawyer can determine your eligibility and ensure everything is carried out precisely.

Get your Florida Cosmetology License in five phases

Indeed projects are almost always require several steps for successful achievement. Most rewarding projects take time, require a few basic steps together with consistent hard work. It is important to properly prepare, to get a clear mental picture of the necessary steps, and then stick to your plan. No matter what the project or call you make may not be an exception to these requirements there.

But it is not so difficult, in fact, you just break it down into simple steps.

Here's how you can get a license cosmetology Florida using only five important steps.

Step 1: After the minimum age to be 16 years of age, you must complete the minimum required class hours in an accredited school. This is crucial, because without the necessary hours of training from an accredited school of cosmetology, «Pearson VUE» would not allow you to sit for a written and practical exam. It is also very important that you suras & # 39; ozna explore proper cosmetology school, because you want to cosmetology school, which is a & # 39 is the right fit and time of the class that fits around your schedule.

Step 2: Now that you have the minimum required hours, you should contact the «Pearson VUE», to plan for the written and practical exams and read through the test sheet .. This important step requires your attention .. The reason why it is very important you want It is prepared as much as possible to come on the day of inspection. Be early to determine if you are taking a practical exam.

Step 3. If you pass both a written and practical exam, you need to send in the application to the Department of Business and Professional Regulation with all the necessary forms. Double check each field of application and be sure to attach the required fee with the application in the form of check or money order the cashier .. Reason to avoid any delays. FL Department of Business and Professional Regulation will not even look at your application does not pay the first .. Another reason to check to make sure that all fields are filled in correctly. FL Department of Business and Professional Regulation goes on each application with fine tooth & # 39; families ..

Step 4. Send in your initial certification of HIV / AIDS in the application of Licensure in the FL Department of Business and Professional Regulation. Develop, in a little more detail, in Florida, the State Council requires that you have completed the HIV / AIDS rate. The list of accredited schools listed on their website ..

Step 5. Wait 3-4 weeks for the FL Department of Business and Professional Regulation to send your current licensed cosmetology .. Also, make sure that the application is completed with all the accompanying documents and not staple your cashier's check or money order at a supplement.

At the finish line, if you follow these steps carefully, you are likely to get your cosmetology license in Florida. Take the praise and admiration (and envious glances!). You deal with it so you deserve the credit! This is your success, to enjoy, and your chance to start a new trend as a beautician for other people to try to follow! Now, enjoy the achievement!

The Greatest Marketing Story Never Told

I was told this story by a partner of Sol Polk’s back in the early 80’s after we opened the first “hot tub” store in Chicago. Jack supplied me with hot tubs and spas and also would inventory and install all the hot water heaters for Polk Brothers and that’s another good story for some other time!

Sol Polk was an old pitchman in Chicago who, along with his brothers and a sister built Polk Brothers; a home appliance retailer that closed in the early 90’s but left a Foundation of over $350 million that grants money every year to charitable foundations to this day.

Sol was traveling in Europe back in the early 70’s and met a Dr. from Delaware who was on his way to a convention to present his new “procedure” later to become a maneuver. Yes, he met Dr. Heimlich and the Dr. explained his new discovery to Sol Polk. Sol was so impressed that he asked if he could share it with businesses in the states and promised to never sell it. Well, back then Illinois had a senator Charles Percy who was a past President of Bell & Howell. Sol and he were acquaintances and Sol petitioned Percy to share this amazing new “Heimlich Maneuver with every school, institution and restaurant in the country.

Senator Percy was a U.S. Senator but did help Sol get it made law in Illinois and it is still a law today that every public place that serves food has to have the Heimlich Maneuver Placard displayed prominently in case of an emergency.

The law that Polk got enacted in Illinois states and I quote: “Illinois requires the health department to design and distribute without charge placards containing approved methods for laymen to safely and effectively remove food lodged in a person’s throat. The instructions must be limited to first-aid procedures that do not use instruments or devices. They must be of a size and design suitable for posting in food service establishments. The instructions must, to the extent practicable, be expressed in words and illustrations that are not offensive to restaurant patrons.”

Once the law went into effect, Polk was already in full swing with his donating the placards for free to every restaurant, school, municipal building and hospital in the state. Sol hired high school students from Proviso East High School just down the street from his family business to address envelopes that he paid out of his own pocket. The only charge to any restaurant or municipal buildings was just shipping and handling. Therein lies the brilliance of this clever marketer. The first year, giving away “The Heimlich Maneuver” placard, Sol Polk made a little less than $6 million.

Now $6 million may not sound like a lot but by today’s standards, it would equal: $39,976,056! Not bad for a FREE placard that, true to his word to Dr. Heimlich, Sol always provided for no charge to anyone who asked for it.

I think this is a perfect example of what some creative marketing and follow through can do for almost any business.

Florida Marriage License by mail or message

Florida with & # 39 is a popular wedding destination for many couples. Often, due to travel plans or lack of knowledge of the local area, many brides and grooms want to get their Florida marriage license prior to their arrival. There is currently a lot of conflicting information on the Internet can not it's time to get your marriage license in Florida without personally appear before the clerk of the Court. Some websites say that you can while others say that you can not. Surprisingly, even some of the employees of the court in the State of Florida, who are not familiar with the Charter.

Simply put, there is a provision in the Florida Constitution to obtain your marriage license in the mail before your arrival, but there are some special conditions that must be met in advance. The process of obtaining a license thus referred to as "Prayer absentia". It is a little-known provision in the Charter are intended to assist those brides and grooms with special circumstances.

Generally speaking, the following conditions must be met:

  1. The bride and groom must both be over the age of 18 years
  2. The bride and groom must be residents of the two NON-FLORIDA
  3. The bride and groom must submit certified copies of their identification with a local agent or coordinator who works with the court on their behalf, to ensure that the parties that request a license, who they say they are
  4. If a license application has been published as a clerk of the court, it must be signed before a notary for the bride and groom
  5. All other provisions that apply to those with a & # 39; being a person must also be met, such as the payment of the license fee and the signing of the Declaration of mandatory premarital stating the bride and groom read Family Planning Management & # 39; and in Florida and did not attend on premarital seminar or training class

The marriage license is valid for 60 days from the date it was issued. Release date is considered the first day, so you should be careful to ensure that allows a few extra couple of "slack days" at the rear end of the period of validity of the license in case of travel delays or recent changes in their wedding date. If license period expires before the wedding ceremony, the new one must be obtained before the service can legally authorize a & # 39; union of the couple.

Currently, there are only two clerks District Court in Florida that allow sawdust Prayer in absentia, as they relate to marriage licenses. Fortunately, however, the marriage license issued by any county clerk of the court in Florida is valid in any other country. For example, you can use the court building in Central Florida for Prayer in absentia supply and still getting married in Florida Keys, Miami, Panama City Beach, or elsewhere within the State.

We hope that this article will help explain the confusion on this issue. For further study, we recommend that you review Florida Statute, Chapter 741. We wish you the best for your visit to the Sunshine State for your upcoming wedding.

College Tuition Locks’ Unintended Consequences

Tuition locks are becoming common at many colleges, but schools are making up the difference by increasing fees. Many states have passed laws to lock in tuition at their public universities for incoming Freshmen. That way, students and their families would be able to plan on consistent costs throughout their time in school. At least that was the intent.

But as with most things government does to regulate costs, it doesn’t work out the way you want it to. Colleges still have costs they have to manage, and those costs don’t care about a law passed by some legislative body. In the April 11, 2009 edition of the Moline Dispatch newspaper, Pete Nickeas pointed out two very noticeable consequences:

  1. Colleges and Universities resort to increasing various fees to make up the revenue short fall. These fees included items such as: Sports Fees, and Building & Grounds Maintenance Fees.
  2. There are dramatic increases to first year tuition rates at the state universities.

The second consequence has really put state schools at a disadvantage. By increasing their first year tuition costs in anticipation of freezing those costs for the students throughout the next four years, many state universities have driven their prices through the roof. This makes schools like the University of Illinois and Western Illinois University much less attractive. For example, you can send a student out of state to many of the Missouri Universities next door at a lower cost than the in-state rates at the Illinois colleges.

This also means that the private colleges are going to find it much easier to compete with colleges that have adopted frozen tuition policies. Because the state colleges typically do not have the per-student resources common at many private colleges, private colleges will find it much easier to lower the student’s out of pocket costs when compared to the state schools.

So here are my recommendations to deal with this problem:

1 – Do not be taken in by the good sounding marketing of tuition freezes. You have to pay attention to your bottom line, out-of-pocket costs.

2 – Do not ignore out of state colleges. Just like in the case of Missouri vs Illinois, many out of state rates may be less than your state’s in state rates.

3 – Do not ignore private colleges. Private colleges may appear to be more expensive at first glance. But the private colleges typically have much more in per student funds available to lower your out of pocket costs at those schools.