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SoFi Answers the Call to Refinance Student Loans and Provides Unique Community Benefits
This is a guest post written by SoFi’s CEO, Mike Cagney.
CLICK HERE TO READ THE FULL ARTICLE
Recently, there’s been a lot of talk amongst leaders in Washington about how to improve the painful process of repaying student loans. At SoFi, we feel your pain and work hard to offer more flexible, more affordable options for our borrowers. One idea that’s getting a lot of attention is increasing the options for refinancing debt after graduation. The only lender currently focused on refinancing private and federal student loans is SoFi.
We recognized early on that borrowers who have made timely payments on their loans, graduated from school, and have a job should be able to refinance their student loans at a lower interest rate. This may be why, after resuming lending by invitation, the media became increasingly interested in what we are doing.
In a recent article posted on MainStreet.com SoFi General Counsel Rob Lavet had this to say about SoFi’s ReFi products:
“We can offer a better deal than the federal government in terms of rates […].We offer borrowers who meet our underwriting criteria a package that pays off their federal and existing private student loans at a rate as low as 5.49%. Some lenders will do a consolidation on private loans, but we’re the first lender to offer to refinance a federal loan at a lower rate.”
Journalists from the USA TODAY, The Chronicle for Higher Education, the American Banker among others, also found themselves reporting on how SoFi is “using social communities and offering refinancing of student loans.“ It is this social community aspect that makes refinancing with SoFi so valuable. By connecting borrowers with a community literally invested in their success, the benefits of a SoFi loan go beyond saving money.
How many student lenders do you know that will help unemployed borrowers find a new job? SoFi does just that – engaging with borrowers who are actively looking for new employment opportunities and leveraging the networks of all members eager to help these individuals achieve new heights in their career.
Our Entrepreneur Program is another example of SoFi’s community in action connecting like-minded borrowers and investors in support of new business creation. We combine mentoring sessions for participants with exclusive access to the venture capital community.
SoFi wants to help borrowers realize their goals beyond paying off student debt. Whether seeking employment opportunities, career advice, partners for entrepreneurial ventures, access to industry luminaries, or simply a like-minded network, our members benefit from a supportive community of people vested in one another’s success.
Learn more about SoFi’s refinancing programs and community benefits at www.SoFi.com
You know what they say: You can’t choose your family, but you can choose your financial planner. Or something like that. One of the great things of being in charge of your money is choosing who (if anyone) will help you manage it. The choice isn’t always an easy one. How will you know that your planner is reputable and trustworthy?
These five red flags may be good indications of whether the financial planner sitting across from you is someone you should trust with your money. LearnVest Planning also provides an innovative 7-step program for your money where you work one-on-one with a financial planner. To see if this program is right for you, start with a free financial consultation.
1. She Isn’t Certified
“There are a lot of good planners out there who aren’t Certified Financial Panners™,” says Samantha Vient, CFP®, of LearnVest Planning Services. “However, CFPs® are required to adhere to the CFP® Board’s standards of professional conduct.We believe it’s always a good idea to work with someone who has the CFP® designation, which is issued after completing a CFP® Board-approved personal financial planning curriculum, passing a rigorous exam issued by the Certified Financial Planner Board of Standards, meeting experience requirements and passing an ethics and background check.
2. He Offers to Manage Your Money for “Free”
Financial planners are usually paid in one of two ways: Either through fee-only, which can be a set fee, hourly, retainer or a percentage of the assets they manage for you, or through commission, which means the planner is paid each time he buys or sells an investment.Fee-only payment structures can be more desirable to some clients, as there’s no financial incentive based on assets under management for a planner to buy or sell, whereas working on commission encourages planners to make trades, rather than solely look out for your best interest—called a “fiduciary” duty. (You want to be sure that the planner you choose is a fiduciary.)
LearnVest Planning Services provides the services of fee-only Certified Financial Planners™. Get started for free with a 15-minute financial consultation.
3. She Says She Outperforms the Market
“If a financial planner tells you that she can outperform the market, that’s a major red flag,” Vient explains. “In fact, due to government regulations, it’s illegal to advertise statements that promise a specific return.”Outperforming the market—that is, getting better investment returns than the market average—is extremely difficult to do consistently, and requires taking a lot of risks with your investments. It’s rare to find a financial planner who can consistently outperform the market—and results are never guaranteed. Either way, in the pursuit of these high returns, she’ll be exposing your investments to much higher risk than you may be comfortable with.
Instead, look for a CFP® who, when looking at your portfolio, can advise on proper asset allocation based on your risk tolerance and time horizon, as well as through economic ups and downs.
4. She Doesn’t Ask About Your Financial Goals
“Your planner isn’t just there to crunch the numbers,” Vient advises. “She’s helping you make a plan for your money and your life. You should be looking for someone who has similar values to you.”Ideally, you’ll likely want to work with someone who is in a similar life stage. Are you a parent? A planner with children may be better able to understand your need to save for college. Does your CFP® have a specialty? Some planners have an area of expertise, like insurance, estate planning, divorce or retirement—a fact you might want to consider if that’s a particular need of yours.
When meeting a potential planner, remember that you’re allowed to ask questions about their experience and priorities: “Do you think it’s more important to save for retirement or pay off debt? How do you feel about supporting kids through college? How do you mitigate investment risk as your clients get older?”
The choices you make with your money are intensely personal. The person who helps you make these choices should be able to understand and accept your financial priorities, and help you use your money to meet them.
5. His Management Style Makes You Uncomfortable
Financial planners can manage your money for you or manage your money with you. As different people have different needs when it comes to money management, there is no right way to work with a planner—it’s up to you to decide how hands-on you want him to be.
When you sign on with a financial planner, there will be a written agreement of how the two of you will manage your money. Read this carefully, and ask questions if you’re unsure about anything. Are you signing your accounts over to this planner? Will he check in with you before making a trade, or when rebalancing your accounts? If you’re uncomfortable with anything in the agreement, bring it up immediately.Learn more about LearnVest Planning and our financial planners by visiting learnvest.com. To book your free consultation today, email FA_Support@learnvest.com or complete your request online.
LearnVest Planning Services is a registered investment adviser. The opinions expressed in this article are that of LearnVest Planning Services, a registered investment adviser. The advice provided may not be suitable for your individual situation and you should discuss your situation with a financial professional.
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The Banyan Research Express NCKU is a weekly publication by National Cheng Kung University,Tainan,Taiwan,including the researches done by the nine Colleges.
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Research Express@NCKU – Articles Digest (Volume 18 Issue 4)
Volume 18 Issue 4 – May 6, 2011
Developing the Ergonomics and Interaction Design Platform for Creative Product Manipulation
Fong-Gong Wu*, Chien-Hsu Chen
Department of Industrial Design
fonggong@mail.ncku.edu.tw
NCKU Landmark ProjectгЂЉA0166гЂ‹
The study focused on human-centric orientation, and tried to explore the behavior and emotion from users’ perspective, and then combined with technology to integrate and create the innovative applications. With the development and maturity of network technology, the ways of web map should be changed. We focused on the user interface in the mouse and touch screen of the web map to study better functions and interfaces of the web map and to facilitate its usage. The results provide useful reference for new interface design that suits for touch screen operation. For elderly cell phone user, since human receive 85% of environment stimuli through visual ability, it would be very helpful for elders if we improve the recognition degree of cell phone icons. We brought up a rule for interface and icon design through user testing. With the rule, the cell phone would be more suitable and closer to human needs, especially for a super-aging society. (Fig.1)
Fig.1 The icon design and color design of the cell phone
Except for the human-machine interaction issue, to improve efficiency and reduce error is also the key issue in human factor research. It was hard to use large-surface thumb to press the relatively small keys. To solve this problem, we considered the back-side operation and looked forward to developing other operating ways. We used the “non-vision corner keys operating format” that improves the moving distance of keyboard-operating fingers according to the Fitts’ law, as well as utilizing the highly sensitive tactile, location, and intuitive reflex senses of fingers to find out the suitable keys arrangement for the mobile phone.
For children, learning drawing has huge impact on cognitive and creative development. However, research on digital drawing system is little and is not suitable for learning drawing in digital times. Based on the intuitive operation, we tried to build up a Gesture Movement Drawing system for 4-7 years-old children. In this research, the combination of the vision sign rule and sign was applied to construct the gesture movement image. Finally, carrying on operation of drawing system by gesture movement and visual interface feedback and using technique of experiment confirm the system performance criteria. In addition, considering the needs and cognitive ability of children, we applied their tactile and visual abilities to learning in this period. The value of traditional drawing will be extended in the digital drawing. (Fig.2)
Fig.2 Intuitive operation correspond to the different TUI
With the population of 3D TV, there would be more user interface problems found in the future. We concluded the present studies and found the participants presented weaker performances which associated with the depth direction (z-axis). Based on the possible factors, we tried to design an augment reality (AR) 3D to test whether the participants’ performance could be improved by this design. Furthermore, as computers become pervasive in our daily life, researchers brought up the idea that technologies and computers should offer friendly interfaces for their users, such as to bridge the gap between people and digital information. Therefore, we build up a Multi-Touch platform of 3D searching for supporting the new kind of interface research. After that, we can observe the user behavior during their manipulation. Multi-Touch has the potential to be applied in museums and exhibits because it can support fluid interactions, and allow multiple users to interact with exhibition’s contents through rich and various gestures simply created by their fingers or hands on the screen simultaneously (Fig. 3).
Fig.3 The 3D searching device of the multi-touch platform
In 2009, PI was ranked top of year in design relative field of SSCI/A&HCI articles from ISI web of knowledge. The ISI web of knowledge also showed PI’s superiority in SCI/SSCI/A&HCI article results in 2009. Searching coverage included authors’ addresses at College Design, Institute Design, School Design, Department Design, Industrial Design, Product Design, Fashion Design, Commercial Design, Communication Design, Graphic Design, Interior Design and Interior Architecture.
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