Article by at 2011-11-22 16:29:39 Categorized in Student Loans,

What is Student Loan Consolidation

Student loan consolidation combines all your student loans and often lowers your monthly payment. If you spent four or more years in college, you are likely to have a number of student loans from subsidized to unsubsidized, Stafford and Perkins loans, and perhaps some privately-funded student loans as well. After graduation, you enter the repayment period and each loan requires a monthly payment. Not only can keeping track of several (or more) monthly payments be difficult, each loan’s minimum payment may become a financial burden when they are added together each month. Consolidating your student loans is a lot like consolidating any other debt. A new loan is taken out to pay off all existing student loans so that only one monthly payment is made each

This is what the publishing industry will look like if the Big Six become the Big Four

Our chart includes the so-called “Big Six” major trade publishers, ranked by trade and consumer sales in 2011, according to research firm Outsell. They will become the Big Five by mid-2013, if Penguin Random House is approved. HarperCollins and Simon & Schuster could make it the Big Four. And if Lagardere feels compelled to defend its territory, we could even be looking at the Big Three in short order.

Via the crack squad at Quartz:

Universal Music rachète EMI Music

La consolidation se poursuit dans la production musicale, avec l’absorbtion d’une major par une autre.

EMI avait été saisie en février par son principal créancier, la banque Citigroup, et cette revente était attendue.

À bien noter : Universal ne rachète pas ici tout EMI, mais uniquement sa branche musique. La branche d’édition musicale, EMI Publishing, est toujours à vendre et intéresserait Sony.

À bien noter également : cette opération doit être approuvée par les autorités de la concurrence, comme le souligne le Figaro. Selon PC INPact, la part de marché des deux groupes combinés serait supérieure à 50% dans plusieurs pays.

Comme le rappelle Numerama, EMI avait été racheté en 2007 par le fond d’investissement Terra Firma pour 4,8 milliards d’euros. Le prix de la présente vente, de 1,2 milliards de livres, soit environ 1,4 milliards d’euros, traduit donc une importante perte de valeur de cette major autrefois florissante.

End Your Financial Worries Now Through Debt Consolidation
Article by Lara Sawyer
Are you in danger of losing your home to foreclosure because you simply do not have enough income left at the end of the month to stay current with your mortgage payments? Debt consolidation can allow you to keep more of your monthly income while still managing all of your existing debts, and help you avoid losing your biggest asset, your home.

Sleep consolidates memories for competing tasks

Sleep plays an important role in the brain’s ability to consolidate learning when two new potentially competing tasks are learned in the same day, research at the University of Chicago demonstrates.

Other studies have shown that sleep consolidates learning for a new task. The new study, which measured starlings’ ability to recognize new songs, shows that learning a second task can undermine the performance of a previously learned task. But this study is the first to show that a good night’s sleep helps the brain retain both new memories.

Starlings provide an excellent model for studying memory because of fundamental biological similarities between avian and mammalian brains, scholars wrote in the paper, “Sleep Consolidation of Interfering Auditory Memories in Starlings,” published in the current online edition of Psychological Science.

“These observations demonstrate that sleep consolidation enhances retention of interfering experiences, facilitating daytime learning and the subsequent formation of stable memories,” the authors wrote.

The paper was written by Timothy Brawn, a graduate researcher in psychology at UChicago; Howard Nusbaum, professor of psychology; and Daniel Margoliash, professor of psychology, organismal biology and anatomy. Nusbaum is a leading expert on learning, and Margoliash is a pioneer in the research of brain function and its development in birds.