Biography for Paris Hilton

Birth name
Paris Whitney Hilton
Nickname
Star Princess
Height
5' 8" (1.73 m)
Trade mark
She wears blue coloured contact lenses
Quote and shirts that read "That's Hot"
Trivia
Sister of Nicky Hilton, Barron Nicholas Hilton, and Conrad Hughes Hilton.
Announced she would live on a farm for a new fish-out-of-water "reality" show called "The Simple Life" (2003). The show is reportedly a takeoff on the 1960s sitcom "Green Acres" (1965). [2003]
Daughter of Rick Hilton and Kathy Richards
For her 21st birthday, she threw five parties for herself in New York, Las Vegas, London, Hollywood and Tokyo.
Has two younger brothers, Barron Nicholas & Conrad Hughes
Mother is the former actress Kathy Richards.
Niece of Kim Richards and Kyle Richards.
Measurements: 34B-25-35 (Source: Celebrity Sleuth magazine)
Has three Pomeranians named Dolce, Sebastian and Prince, as well as two chihuahuas named 'Tinkerbell the dog' and Bambi.
Briefly attended the Canterbury School, a boarding school in Connecticut, during her junior year. She then transfered to the Dwight School in New York City before dropping out a few months later and getting a GED.
Chosen the worst-dressed celebrity in 2003 by fashion critic Mr. Blackwell (Richard Selzer).
Briefly attended the Buckley School in Sherman Oaks, California.
Popularity skyrocketed after a homemade sex video between her and ex- boyfriend Rick Salomon (Shannen Doherty's estranged husband) scattered all over the internet in October of 2003. The video was made when she was 19.
Great-niece of Conrad Hilton Jr. and Francesca Hilton
Has been romantically linked to actors Leonardo DiCaprio, Edward Furlong, Jamie Kennedy, Simon Rex, Australian Idol star Rob Mills, Sum 41 lead singer Deryck Whibley, producer Robert Evans, boxer Oscar De La Hoya, and nightclub owner Ingrid Casares.
Announced at the end of 2003 that she is recording an album. She enlisted the help of J.C. Chasez and his producer Rob Boldt to help in the creation of a dance-pop album.
Dated Backstreet Boys singer Nick Carter. [December 2003-July 2004]
The Hilton name is of Norwegian origin. Her great-great-grandfather August Halvorsen Hilton was born on the family farm Hilton, at Kløfta, just outside Oslo, Norway before emigrating to the US with his family at age 10.
In October 2004, she officially had her popular quote, "That's hot", trademarked.
Great-granddaughter of Conrad Hilton and Mary Adelaide Barron.
Plans to open "Club Paris" in Orlando, Florida in 2005.
She wears a size 11 shoe. Many top designers don't make their shoes in an 11, so they have them custom made just for her.
Was a victim of a serious hacking incident, where her T-Mobile address book, notes, and private photographs taken with a camera phone were released on the Internet. The address book revealed hotel and airline preferences, and exposed private phone numbers and e-mail addresses for numerous celebrities and other Hollywood elite.
Favorite sport is golf
Madame Tussaud's on 42nd Street unveiled a wax dummy of her to coincide with the release of the movie House of Wax (2005) in which she has a role. [1 May 2005]
Met boyfriend Paris Latsis at a nightclub when he was only 16, while she was only 14
Is working on a clothing line that she plans to name "That's Hot"
Became engaged to boyfriend Paris Latsis [May 25, 2005].
Along with Tara Reid, her sister Nicky Hilton, Bijou Phillips, Kimberly Stewart, Lindsay Lohan & Nicole Richie is one of Hollywood's most famous party girls
Had a falling out with co-star and former best friend Nicole Richie. [2005]
Wrote to Prince Charles to ask if she and her fiancé, Paris Latsis, could be married in Westminster Abbey, St. Paul's Cathedral, or Windsor Castle.
Established her own record label, Heiress Records, in 2004.

Was a cheerleader in high school
Her great-aunt is actress Zsa Zsa Gabor.
Is a huge fan of the band Blondie and singer Deborah Harry.
Taught herself to play the guitar for the release of her upcoming album.
Her favorite color is pink
Ranked #59 in FHM 100 Sexiest Women 2004
Named #3 in FHM's "100 Sexiest Women in the World 2005" special supplement. (2005)
Was involved in a minor car crash along with some friends and her current boyfriend Stavros Niarchos. No one got hurt. [November 2005]
Ended engagement to Greek shipping heir, Paris Latsis, in September 2005
Named #20 on the Maxim magazine Hot 100 of 2005 list.
Released her second perfume, Just Me, as a follow up to her first perfume, Paris Hilton.
Hilton's ex-fiancé bought her a 24-carat yellow diamond ring while they were engaged.
Named #11 on the Maxim magazine Hot 100 of 2006 list.
Loves bath products from The Body Shop.
Is a huge fan of the card game poker after recently learning the game.
Says her upcoming album will be a mix of reggae, pop and hip-hop, with the first single being a reggae song called "Stars Are Blind." [2006]
Ended her relationship to Stavros Niarchos [May 2006]

luk at this

check this out!!!!!!!!!

mineral water bottles!!!!!!

As you know chemical released by plastic water bottles can cause cancer (It is not the water that affects you a but the chemical released from the bottle)
How to avoid: Check the bottom of the bottle there should be a triangle sign and there will be a number on it. If the number is higher than or equal to 5 --> then this bottle is safe to use. Numbers under 5 will release the chemical. For most bottled water, the number is 1. Remember to check and stop reusing those bottles

nuclear bombs

Nuclear bombs involve the forces, strong and weak, that hold the nucleus of an atom together, especially atoms with unstable nuclei (see How Nuclear Radiation Works for details). There are two basic ways that nuclear energy can be released from an atom:
Nuclear fission - You can split the nucleus of an atom into two smaller fragments with a neutron. This method usually involves isotopes of uranium (uranium-235, uranium-233) or plutonium-239.
Nuclear fusion -You can bring two smaller atoms, usually hydrogen or hydrogen isotopes (deuterium, tritium), together to form a larger one (helium or helium isotopes); this is how the sun produces energy.

A fission bomb uses an element like uranium-235 to create a nuclear explosion. If you have read How Nuclear Radiation Works, then you understand the basic process behind radioactive decay and fission. Uranium-235 has an extra property that makes it useful for both nuclear-power production and nuclear-bomb production -- U-235 is one of the few materials that can undergo induced fission. If a free neutron runs into a U-235 nucleus, the nucleus will absorb the neutron without hesitation, become unstable and split immediately.

This figure shows a uranium-235 nucleus with a neutron approaching from the top. As soon as the nucleus captures the neutron, it splits into two lighter atoms and throws off two or three new neutrons (the number of ejected neutrons depends on how the U-235 atom happens to split). The two new atoms then emit gamma radiation as they settle into their new states (see How Nuclear Radiation Works). There are three things about this induced fission process that make it interesting:
The probability of a U-235 atom capturing a neutron as it passes by is fairly high. In a bomb that is working properly, more than one neutron ejected from each fission causes another fission to occur. This condition is known as supercriticality.
The process of capturing the neutron and splitting happens very quickly, on the order of picoseconds (1*10E-12 seconds).
An incredible amount of energy is released, in the form of heat and gamma radiation, when an atom splits. The energy released by a single fission is due to the fact that the fission products and the neutrons, together, weigh less than the original U-235 atom.
The difference in weight is converted to energy at a rate governed by the equation e = m * c^2. A pound of highly enriched uranium as used in a nuclear bomb is equal to something on the order of a million gallons of gasoline. When you consider that a pound of uranium is smaller than a baseball and a million gallons of gasoline would fill a cube that is 50 feet per side (50 feet is as tall as a five-story building), you can get an idea of the amount of energy available in just a little bit of U-235. In order for these properties of U-235 to work, a sample of uranium must be enriched . Weapons-grade uranium is composed of at least 90-percent U-235.
Critical MassIn a fission bomb, the fuel must be kept in separate subcritical masses, which will not support fission, to prevent premature detonation. Critical mass is the minimum mass of fissionable material required to sustain a nuclear fission reaction. This separation brings about several problems in the design of a fission bomb that must be solved:
The two or more subcritical masses must be brought together to form a supercritical mass, which will provide more than enough neutrons to sustain a fission reaction, at the time of detonation.
Free neutrons must be introduced into the supercritical mass to start the fission.
As much of the material as possible must be fissioned before the bomb explodes to prevent fizzle. To bring the subcritical masses together into a supercritical mass, two techniques are used:
Gun-triggered
Implosion Neutrons are introduced by making a neutron generator. This generator is a small pellet of polonium and beryllium, separated by foil within the fissionable fuel core. In this generator:
The foil is broken when the subcritical masses come together and polonium spontaneously emits alpha particles.
These alpha particles then collide with beryllium-9 to produce beryllium-8 and free neutrons.
The neutrons then initiate fission. Finally, the fission reaction is confined within a dense material called a tamper, which is usually made of uranium-238. The tamper gets heated and expanded by the fission core. This expansion of the tamper exerts pressure back on the fission core and slows the core's expansion. The tamper also reflects neutrons back into the fission core, increasing the efficiency of the fission reaction.
Next Page >>
A fission bomb uses an element like uranium-235 to create a nuclear explosion. If you have read How Nuclear Radiation Works, then you understand the basic process behind radioactive decay and fission. Uranium-235 has an extra property that makes it useful for both nuclear-power production and nuclear-bomb production -- U-235 is one of the few materials that can undergo induced fission. If a free neutron runs into a U-235 nucleus, the nucleus will absorb the neutron without hesitation, become unstable and split immediately.

This figure shows a uranium-235 nucleus with a neutron approaching from the top. As soon as the nucleus captures the neutron, it splits into two lighter atoms and throws off two or three new neutrons (the number of ejected neutrons depends on how the U-235 atom happens to split). The two new atoms then emit gamma radiation as they settle into their new states (see How Nuclear Radiation Works). There are three things about this induced fission process that make it interesting:
The probability of a U-235 atom capturing a neutron as it passes by is fairly high. In a bomb that is working properly, more than one neutron ejected from each fission causes another fission to occur. This condition is known as supercriticality.
The process of capturing the neutron and splitting happens very quickly, on the order of picoseconds (1*10E-12 seconds).
An incredible amount of energy is released, in the form of heat and gamma radiation, when an atom splits. The energy released by a single fission is due to the fact that the fission products and the neutrons, together, weigh less than the original U-235 atom.
The difference in weight is converted to energy at a rate governed by the equation e = m * c^2. A pound of highly enriched uranium as used in a nuclear bomb is equal to something on the order of a million gallons of gasoline. When you consider that a pound of uranium is smaller than a baseball and a million gallons of gasoline would fill a cube that is 50 feet per side (50 feet is as tall as a five-story building), you can get an idea of the amount of energy available in just a little bit of U-235. In order for these properties of U-235 to work, a sample of uranium must be enriched . Weapons-grade uranium is composed of at least 90-percent U-235.
Critical MassIn a fission bomb, the fuel must be kept in separate subcritical masses, which will not support fission, to prevent premature detonation. Critical mass is the minimum mass of fissionable material required to sustain a nuclear fission reaction. This separation brings about several problems in the design of a fission bomb that must be solved:
The two or more subcritical masses must be brought together to form a supercritical mass, which will provide more than enough neutrons to sustain a fission reaction, at the time of detonation.
Free neutrons must be introduced into the supercritical mass to start the fission.
As much of the material as possible must be fissioned before the bomb explodes to prevent fizzle. To bring the subcritical masses together into a supercritical mass, two techniques are used:
Gun-triggered
Implosion Neutrons are introduced by making a neutron generator. This generator is a small pellet of polonium and beryllium, separated by foil within the fissionable fuel core. In this generator:
The foil is broken when the subcritical masses come together and polonium spontaneously emits alpha particles.
These alpha particles then collide with beryllium-9 to produce beryllium-8 and free neutrons.
The neutrons then initiate fission. Finally, the fission reaction is confined within a dense material called a tamper, which is usually made of uranium-238. The tamper gets heated and expanded by the fission core. This expansion of the tamper exerts pressure back on the fission core and slows the core's expansion. The tamper also reflects neutrons back into the fission core, increasing the efficiency of the fission reaction.
Next Page >>
A fission bomb uses an element like uranium-235 to create a nuclear explosion. If you have read How Nuclear Radiation Works, then you understand the basic process behind radioactive decay and fission. Uranium-235 has an extra property that makes it useful for both nuclear-power production and nuclear-bomb production -- U-235 is one of the few materials that can undergo induced fission. If a free neutron runs into a U-235 nucleus, the nucleus will absorb the neutron without hesitation, become unstable and split immediately.

This figure shows a uranium-235 nucleus with a neutron approaching from the top. As soon as the nucleus captures the neutron, it splits into two lighter atoms and throws off two or three new neutrons (the number of ejected neutrons depends on how the U-235 atom happens to split). The two new atoms then emit gamma radiation as they settle into their new states (see How Nuclear Radiation Works). There are three things about this induced fission process that make it interesting:
The probability of a U-235 atom capturing a neutron as it passes by is fairly high. In a bomb that is working properly, more than one neutron ejected from each fission causes another fission to occur. This condition is known as supercriticality.
The process of capturing the neutron and splitting happens very quickly, on the order of picoseconds (1*10E-12 seconds).
An incredible amount of energy is released, in the form of heat and gamma radiation, when an atom splits. The energy released by a single fission is due to the fact that the fission products and the neutrons, together, weigh less than the original U-235 atom.
The difference in weight is converted to energy at a rate governed by the equation e = m * c^2. A pound of highly enriched uranium as used in a nuclear bomb is equal to something on the order of a million gallons of gasoline. When you consider that a pound of uranium is smaller than a baseball and a million gallons of gasoline would fill a cube that is 50 feet per side (50 feet is as tall as a five-story building), you can get an idea of the amount of energy available in just a little bit of U-235. In order for these properties of U-235 to work, a sample of uranium must be enriched . Weapons-grade uranium is composed of at least 90-percent U-235.
Critical MassIn a fission bomb, the fuel must be kept in separate subcritical masses, which will not support fission, to prevent premature detonation. Critical mass is the minimum mass of fissionable material required to sustain a nuclear fission reaction. This separation brings about several problems in the design of a fission bomb that must be solved:
The two or more subcritical masses must be brought together to form a supercritical mass, which will provide more than enough neutrons to sustain a fission reaction, at the time of detonation.
Free neutrons must be introduced into the supercritical mass to start the fission.
As much of the material as possible must be fissioned before the bomb explodes to prevent fizzle. To bring the subcritical masses together into a supercritical mass, two techniques are used:
Gun-triggered
Implosion Neutrons are introduced by making a neutron generator. This generator is a small pellet of polonium and beryllium, separated by foil within the fissionable fuel core. In this generator:
The foil is broken when the subcritical masses come together and polonium spontaneously emits alpha particles.
These alpha particles then collide with beryllium-9 to produce beryllium-8 and free neutrons.
The neutrons then initiate fission. Finally, the fission reaction is confined within a dense material called a tamper, which is usually made of uranium-238. The tamper gets heated and expanded by the fission core. This expansion of the tamper exerts pressure back on the fission core and slows the core's expansion.

credit cards

A Bit of HistoryLet's start at the beginning.

A credit card is a thin plastic card, usually 3-1/8 inches by 2-1/8 inches in size, that contains identification information such as a signature or picture, and authorizes the person named on it to charge purchases or services to his account -- charges for which he will be billed periodically. Today, the information on the card is read by automated teller machines (ATMs), store readers, and bank and Internet computers.

TimelineAccording to Encyclopedia Britannica, the use of credit cards originated in the United States during the 1920s, when individual companies, such as hotel chains and oil companies, began issuing them to customers for purchases made at those businesses.

The first universal credit card -- one that could be used at a variety of stores and businesses -- was introduced by Diners Club, Inc., in 1950. With this system, the credit-card company charged cardholders an annual fee and billed them on a monthly or yearly basis. Another major universal card -- "Don't leave home without it!" -- was established in 1958 by the American Express company.

Later came the bank credit-card system. Under this plan, the bank credits the account of the merchant as sales slips are received (this means merchants are paid quickly -- something they love!) and assembles charges to be billed to the cardholder at the end of the billing period. The cardholder, in turn, pays the bank either the entire balance or in monthly installments with interest (sometimes called carrying charges).

The first national bank plan was BankAmericard, which was started on a statewide basis in 1959 by the Bank of America in California. This system was licensed in other states starting in 1966, and was renamed Visa in 1976.

Other major bank cards followed, including MasterCard, formerly Master Charge. In order to offer expanded services, such as meals and lodging, many smaller banks that earlier offered credit cards on a local or regional basis formed relationships with large national or international banks.

Convictions Car Insurance

In recent years the number of uninsured drivers has risen to 1 in 20, that is both an astounding and appalling number in our eyes. We thought we'd take this opportunity to talk about some of the measures that are being taken to stamp this number down to something a bit more sensible.
We don't see why convictions and car insurance can't go together, so that's simply no excuse for driving uninsured. Many people have a few points on their license these days but thats another discussion.
Last year Professor David Greenway lead a review to find out what can be done to sort this problem out once and for all. Unfortunately the answer isn't as simple as "reduce insurance premiums" because the insurance houses need to be sure that they can cover any potential losses.
The report concluded that offenders simply aren't worried about being caught because the punishments are often trivial in the offenders eyes. If someone is caught driving without insurance, they are usually fined £200 and have their license (if they have one) confiscated. They are often convicted of driving without car insurance but this has little effect on people who knowingly do it.
You have to ask yourself who thought up these rules because the kind of person who repeatedly drives without insurance isn't really going to be bothered about losing their license are they? If you ask us, there should be much harsher punishments available, we won't say what they are in case any children are reading this.
However, we all understand that you can occassionally forget to renew your insurance and we don't feel these people should be penalised too heavily, everybody forgets things from time to time and I think we just need to use a little common sense.
However, it looks like the government might finally be getting it's act together and are bringing in some more legisalation that they hope is going to reduce this problem.

SHAKIRA

Mini biography

Date of birth- 2 February 1977

Location-Barranquilla, Colombia

Grammy-winning Latina rock singer Shakira was born in Barranquilla, Colombia...

Sometimes Credited As:
Shakira Mebarak

Trivia Announced engagement to Antonio de la Rua, son of the present President of Argentina. [March 2001] Is the youngest of eight siblings. Shakira is Arabic for "grateful" or "full of grace." Is of Colombian and Lebanese heritage Named her album "Laundry Service" because when she is in love she feels "clean and fresh" Has an IQ of 140! Fluent in Portuguese, Italian, and English, in addition to Spanish and Arabic Hates to wear jewelry. Her Lebanese grandmother taught her the art of Arabian Belly Dancing so she can stay true to her middle eastern roots. Has perfect pitch (the ability to recognize any note upon hearing it or sing any note without prior to hearing it)

Her manager for Latin America, Patricia Tellez, the woman who helped her go from being local artist to Grammy-winning global artist, died of a heart attack in Bogota on 17 August 2004.
Ranked #9 in Stuff magazine's "102 Sexiest Women in the World" (2002).
She likes chocolate balls.
Father's name is William Mebarak Chadid and mother's name is Nidia del Carmen Ripolli Torrado.
Her mother is half Colombian and half Italian and her father is American with Lebanese ancestry.
She has 5 half brothers Alberto, Edward, Moises, Tonino and Robin and 3 half sisters Ana, Lucy and Patricia.
Steven Spielberg offered her the role of Elena Montero in The Mask of Zorro (1998) back when he was originally in talks to direct it. But, she turned the offer down because she felt that not only was she a bad actress, but her English wasn't good enough.

Settlement Capital Corporation (SCC)

Settlement Capital Corporation (SCC) is a specialty financing company that provides liquidity to owners and holders of periodic payments resulting from structured settlements, annuities, lottery winnings, government and commercial contracts and other secured future payment obligations.
In 1988, SCC developed the secondary market for structured settlement payments by recognizing and meeting the financial needs of holders of long-term contracts. Since that pivotal transaction SCC has retained its leadership position by relying on its experience and knowledge to create the most effective and efficient operations, develop the most coveted relationships within the legal and insurance industries and spearhead the legislative efforts to regulate the industry. With its envied and special relationships with financial institutions on Wall Street, SCC has unmatched financial resources that insures SCC’s customers get the industries most competitive pricing.
Considering Settlement Capital’s experience, knowledge, relationships and financial strength, SCC offers customers, brokers, attorneys, agents, financial advisors and consultants the opportunity to work with the industry leader in the secondary market for structured settlements, single premium annuities and other payment obligations.

PPI Cash - Buyer of Annuity, Lottery & Structured Settlement Payments

PPI Cash was founded in 1993 to provide financial alternatives to recipients of deferred payments like structured settlements, including insurance settlements and lottery winnings.
Over the years, we have helped thousands of people achieve their financial goals by offering customized settlement funding programs to those who cannot be serviced by traditional financial institutions, such as banks.
Our mission is to continue to provide outstanding service to annuity recipients who wish to have greater control over their assets.
Cash Payout On Structured Settlement,Lottery Winnings & More
We provide direct settlement funding by cash payout on structured settlements like an insurance settlement and other annuities.
Many individuals holding certain types of assets, such as Lottery Winnings and Structured Settlement, have a strong preference for a lump sum payment instead of being paid over several years.
Our innovative techniques as a buyer of personal injury settlements allow us to successfully turn alternative cash flow instruments into lump sum payments at no risk to our clients.
Flexible Custom Settlement Funding Solutions For Lawsuit Settlements & Lottery Winnings
Whether you are looking for a cash payout on structured settlement like an insurance settlement or lottery winnings, we offer flexible and individually tailored plans to meet your specific financial goals.

Students Should Consolidate Loans before July 1 Deadline

There roughly are seven weeks remaining until interest rates on student loans are expected to greatly increase and rules and regulations will change. College and graduate students alike will feel a major pinch unless they now take action to consolidate their student loans.
Students throughout the country will feel considerable negative effects due to the passing Feb. 8 of the Deficit Reduction Act of 2005, S. 1932. Although many entities are finding fault with the legislation and others are seeking to challenge the bill, interest rates on student loans are poised to skyrocket on July 1.
Federal programs such as Medicare and Medicaid were cut with the passing of the Deficit Reduction Act. However, the federal student loan program took the deepest cuts, totaling more than $12 billion, leaving the nation’s students, parents and student loan companies outraged.
College More Expensive Than Ever
It is highly probable that students will face paying thousands more for their student loans because of the passing of the Deficit Reduction Act. Working-class and middle-class families that already have difficulty paying for higher education will be hit hardest. Tuition at universities and colleges throughout the country has been on the rise while the availability for student grants has decreased, making a college education less attainable.
Students who have federal loans, including PLUS and Stafford loans, can help ease their situations through student loan consolidation. By consolidating federal student loans before July 1 students easily can lock in a lower interest rate for the life of the loan. Through consolidation, students do not have to worry about a variety of monthly bills, as the program combines all of a student’s loans into one monthly payment. In addition, with student loan consolidation students can save as much as 60 percent, which can add up to a savings of thousands in the long run.
As the nation strives to be more globally competitive, the cost of college tuition is increasing. As costs increase and negative changes in the federal student loan program take hold, more and more students and families find it is more difficult to attend college. The rising cost of living is no help to graduates who find it difficult to pay back their student loans.
Student Loan Consolidation Can Save the Day
Student loan consolidation can be a big help to those students and graduates already weighed down under the heavy burden of college debt. However, with the looming July 1 rate increase scheduled to take effect, students should take action and consolidate their student loans before the deadline.NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding as easy as possible.

Loan Consolidation FAQ

WHAT IS A CITIBANK CONSOLIDATION LOAN?

A Citibank Federal Consolidation Loan combines several existing student loans into one new loan. You can enjoy the convenience of lower monthly payments, a single fixed interest rate and one monthly payment.

WHAT IS THE INTEREST RATE?

The interest rate for a Consolidation Loan is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of one percent. This rate is fixed and cannot exceed 8.25%. You may be able to take advantage of a rate as low as 5.3751.The interest rate on a Consolidation Loan is set according to federal law.

HOW CAN I CONSOLIDATE MY LOAN WITH THE GRACE RATE?

You have the option of consolidating your loan during your grace period and taking advantage of a rate as low as 5.375%1. It is important to remember that you must indicate the month and year of your grace end date in #26 on the Consolidation Loan application if you would like to hold the processing of your Consolidation Loan until the end of your six-month grace period. The rates in effect at the time that you apply for your Consolidation Loan will be used in the weighted average calculation to determine the rate on your Consolidated Loan.

WILL THE REDUCED INTEREST RATE THAT I AM RECEIVING DUE TO BORROWER BENEFITS ON MY EXISTING LOANS BE USED TO CALCULATE THE FIXED INTEREST RATE ON MY NEW CONSOLIDATION LOAN?

No. Interest rate reductions received as borrower benefits on existing loans will not be considered when determining the applicable interest rate on your consolidation loan. For example, if the applicable rate on your existing loans is 6.80%, but you were receiving interest rate reductions as a borrower benefit that reduced the interest rate to 5.80%, the interest rate used to calculate your new Consolidation Loan will be 6.80%.

HOW CAN I FIND OUT WHAT MY CONSOLIDATION LOAN PAYMENT WILL BE?

To estimate what your payments and total amount of interest paid may look like, input various interest rates into our Loan Consolidation Calculator. After your application has been approved, the disclosure and monthly account statement will include your exact payment amount and interest rate.

HOW DO I KNOW IF I AM ELIGIBLE?

If all of your loans are in grace, repayment or in a deferment/forbearance, you may be eligible for a Citibank Federal Consolidation Loan. Your loans that are in an in-school status cannot be consolidated until you graduate or leave school. If you have defaulted on any of your loans, you need to make satisfactory payment arrangements with your current holder and provide evidence of that to Citibank. Loans subject to a judgment or wage garnishment are not eligible for consolidation.

CAN I CONSOLIDATE MY LOANS WHILE I AM ATTENDING SCHOOL?

If you are currently a full- or half-time student, you can apply for a Consolidation Loan upon graduation. For loans disbursed prior to July 1, 2006, the interest rate during the grace period is 0.60% lower than the Stafford repayment rate. By consolidating while you are in grace, you will have the opportunity to secure a lower interest rate and start paying down your student loans.

CAN I GET AN IN-SCHOOL DEFERMENT ON MY CONSOLIDATED LOAN?

If you are attending school at least half-time you will be eligible for an in-school deferment on your Consolidation Loan. Keep in mind that you will need to begin repaying your Consolidation Loan immediately upon graduating, withdrawing, or dropping to less than half-time enrollment status. Citibank offers a special Consolidation Loan four-month Lender Option forbearance that may be considered to help you ease into repayment.

HOW DO I APPLY FOR A CONSOLIDATION LOAN?

Apply today to lock in a low fixed interest rate. Citibank offers you three ways to apply for a Federal Consolidation Loan:

California premiem DUI Attorney

A law firm of eight criminal DUI lawyers (including five former prosecutors) practicing drunk driving defense exclusively, The Law Offices of Lawrence Taylor serves clients in the courts of Los Angeles, San Diego, Riverside, San Bernardino, Ventura, Orange County and Las Vegas, Nevada. Each DUI lawyer in the firm focuses entirely on drunk driving defense and drunk driving-related DMV license suspensions. No cases but misdemeanor or felony DUI defense (driving under the influence of alcohol or drugs) are accepted.
The highly specialized law firm, with each DUI attorney averaging 12 years criminal experience, has been awarded the coveted peer review rating of AV ("very high to preeminent" in legal ability and ethics) by the Martindale-Hubbell International Law Directory — the highest rating awarded to attorneys and one shared by fewer than 7% of all lawyers in the United States. The Law Offices of Lawrence Taylor is also listed in the prestigious 2005 Bar Register of Preeminent Lawyers, and has twice been featured in the American Bar Assocation Journal (Dec. 2002 and Jan. 2005), one article noting the successful specialization and unique technical support for each California DUI attorney in the firm:
"At Taylor's Los Angeles-area firm, specialization goes beyond the eight lawyers. The staff includes: a forensic toxicologist who is a former supervisor of DUI testing for the Los Angeles County Sheriff's crime lab; a former hearing officer for the California Department of Motor Vehicles; a former 20-year California Highway Patrol Officer; and a former Santa Ana police officer who was on that department's DWI Task Force."The result of experience, specialization and technical support is success both in the courtroom and at DMV license suspension hearings. As an example, The Law Office of Lawrence Taylor was recently featured on the front page of the Los Angeles Times for its DUI attorney using DNA evidence to prove that blood analyzed by the LAPD crime lab did not come from our client; the drunk driving charges were subsequently dismissed and the DMV license suspension thrown out. And Mr. Taylor's firm of drunk driving attorneys remains the only one approved by the California State Bar to provide continuing legal education to the legal profession.

The firm of eight DUI lawyers is guided by the nationally-known "Dean of DUI Attorneys," Lawrence Taylor. A University of California (Berkeley) and UCLA Law School graduate, Mr. Taylor is a former prosecutor, Fulbright law professor and author of the two most respected law textbooks in the drunk driving defense field. With over 33 years experience, he has lectured to drunk driving lawyers at over 200 driving under the influence seminars in 38 states and is today one of only 4 California DUI attorneys who has been Board-certified by the National College for DUI Defense's ABA-accredited program as a DUI defense specialist.
Larry Taylor is recognized as one of the finest DUI trial tacticians in the country.Editor, "California DUI Report"
(Taylor) excels at trial preparation and tactics... His expertise is incomparable."Trial" (Assoc. of Trial Lawyers of America)
Voted one ofSouthern California's"Super Lawyers 2004""Super Lawyers 2005""Super Lawyers 2006"In surveys of over 65,000 Los Angeles and Orange County attorneys.
Over 65,000 Southern California attorneys have voted Mr. Taylor a "Super Lawyer" in each of the past three years, one of only two DUI attorneys so honored. He is listed in Who's Who in American Law and in The Bar Register of Preeminent Attorneys and has been featured in The Wall Street Journal, The Los Angeles Times, The American Bar Association Journal, USA Today, The National Law Journal, California DUI, The Christian Science Monitor, Los Angeles Magazine and Lawyer's Weekly USA. On July 25, 2002, at Harvard Law School, Lawrence Taylor was presented with the National College's "Lifetime Achievement Award".

Texas DWI Laws

What happens after a DWI arrest in Texas?Administrative License Revocation:To preserve your right to drive in Texas, you must request a hearing within 15 days of when you were served with a Notice of Suspension(usually the date of arrest). If you timely requested a hearing to contest your license suspension, you will be able to continue driving until the hearing. If you lose at the hearing, you can not drive after the hearing. It is our opinion you should requests the officer's presence at the hearing. Crucial defenses can be developed at the hearing. If your license is suspended at the hearing, you may be able to secure an occupational license to drive.
lst Appearance:If you have been arrested and released for a misdemeanor DWI, you will be given a date to return to court (usually 30 days after your arrest). If you hire an attorney, the attorney can usually make this appearance for you, so that you do not have to attend. During this 30 day period, the case is sent to the County Attorney's office for further investigation. The County Attorney then prepares an information and files this with the County Clerk, and your case is set on the court's docket.

Pre-trial Conference:Your attorney will discuss your case with the County Attorney to discuss the best possible resolution of your case. This conference will happen about 8-10 weeks after your 1st Appearance date.

Suppression Hearing:The Court may suppress some or all of the evidence against you if your constitutional rights have been violated. Your attorney will file motions to suppress. It occurs anywhere 6 weeks to 3 months after the pre-trial conference.

Trial:You may either request a bench trial wherein the court hears the case or a jury trial wherein a jury of your peers hears the case. If the case is a misdemeanor, the trial will be to a jury of six. If the case is a felony, the jury will be to a jury of twelve.

Sentencing:The Court imposes a sentence after a conviction at trial or after a plea bargain is accepted and a plea entered. Sentences may include jail time, numerous fees, fines, community service, alcohol classes and fines.