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What it do with LUE: BJ, Founder of The Garage Dance Studio

BJ, founder of The Garage Dance Studio

BJ, founder of The Garage Dance Studio

Do you like to dance? Do you like to move? This week BJ, founder of The Garage Dance Studio, is What It Do! Living in an urban community with many talented youth, I am so happy that a positive individual like BJ is giving back. What a breath of fresh air for our youth. Not everyone sings, raps, or plays an instrument; some simply dance! With that being said here’s more about the choreographer they call BJ.

As a young child growing up in the 1980s and 1990s, BJ sat in front of his parent’s TV set constantly mimicking dance moves from artists such as Michael Jackson. He eventually received a chance to perform in front of crowds of people. From family parties, to dance competitions, and dance studios, the talented dancer impressed the public with his street choreography. Watching artists and dancers perform moves motivated him to dance and get better. By his teenage years, BJ realized that dancing could be something to pursue, so he kept going.

BJ was introduced to the dance world when he began touring doing background dancing for upcoming artists and other dance crews in need of extras. His first tour was back in 2000 and from there he has been addicted to the popularity.

He continued to push fourth and was added to a popular tour called “Scream tour” with artists that included as Bow Wow, B2K, and other big names. BJ soon began to make a name for myself in the Dance community when he was a part of the Dance show called “Dance 360,” which aired on UPN where he was called out to battle amongst five other people and won.

With his journey and experience in dance, BJ believes that if he ever had the opportunity to open his very own dance studio he would in a heartbeat and that is exactly what happened. This dude turned his mother’s garage into a mini dance studio and name it “The Garage Dance Studio.”

“Knowing that there is no source of entertainment or dance here in the Lost City a.k. Colton, California motivated me to open the dance studio,” BJ states.“For me being a dance lover, I wanted to open the facility to give youth the opportunity to come and learn dance. A lot of these kids don’t have the means to go to LA. I figured why not give it a shot and open something for them. With over seventeen years of professional experience under my belt, I provide lots of variety to students. My dance instruction involves a mixture of hip-hop, pop, and old-school dance styles.”

“All in all, I feel like I have lived up to my childhood dream by becoming a hardworking, successful dancer and I will continue to push fourth until I reach the top. There are lots of things that I have to still accomplish until I past that bridge. I will continue to bless others with my gift of dance.”

 Make sure you support this young man and his efforts. Remember to make the world your DANCE FLOOR. L’z!

 

“Payback is a Mother….!”

Lou Coleman

Lou Coleman

By Lou Coleman

You better check yourself before you wreck yourself!  Take God’s grace for granted if you want too! SUDDEN DESTRUCTION will come upon you so fast that it will have your head spinning.  God will not allow you to become complacent or neglectful concerning Him. He will not allow you to take Him for granted. Beware of taking God’s grace for granted! He does not take it lightly.  When God learnt of what Israel had done to His servants; when He learnt of how Israel had over and over again, betrayed His love and taken His grace for granted, God became furious. His patience had been tested by His very own people – Israel. And so God’s wrath came upon Israel. God used the Roman armies to destroy Israel and its Temple. “What shall you say then? Shall you continue in sin, that grace may abound? God forbid….”— [Rom. 6:1-2; 15-16]

Listen, God is NOT SLACK! We MUST understand that! And He says that He does not want ANY of us to perish, but that we should ALL come to REPENTANCE! And that is what this message is all about. Today, I plead with you, in love for your soul, not to be foolish, but to be wise, to consider your “latter end,” and to believe on the Lord Jesus Christ as your own personal Savior.  I want you to know that God is stirring up His Spirit in a few who are awake to the call to REPENT AND AWAKEN. We know that time is short, and we have remembered what Christ taught us through His Word and through all of His apostles, including His end time apostle. Those of us who are awake know that time is URGENT. We see the sword and we are heeding God’s instruction to WARN! “Again the Word of the Lord came unto me, saying….. Speak to the children of thy people, and say unto them, when I bring the sword upon a land … when the watchman see the sword come upon the land, he blow the trumpet, and warn the people; then whosever hear the sound of the trumpet, and take not warning; if the sword come, and take him away, his blood shall be upon his own head. But he that takes warning shall deliver his soul. So I have set thee a watchman unto the house of Israel; therefore thou shall hear the word at my mouth, and warn them from me…” [Ezekiel 33:1-4]

The Trumpet is sounding…… who will hear? Consider these Scriptures [Leviticus 26] and [Deuteronomy28], the “blessings and cursing” chapters of the Bible; in light of what you have just read: the increasing pressure that God applies in order to draw us closer to Him and to stop taking Him for granted. See how these curses are increasingly intensified each time Israel failed to repent of neglecting of God. What tragic results complacency toward God reaps! I tell you the Holy Spirit cries out for you who are Christians to take your Christian faith seriously, not to neglect it, not to take it for granted, and certainly not to despise it. You have been called out of darkness into the marvelous light of Christ. You have been baptized into Christ and called out of Satan’s kingdom and into the kingdom of Christ. But you’re not home free until you’re home; you have been shown wondrous grace. But you also have a warning from God in the pages of the Holy Scripture that you do well to heed, never to take His grace for granted. If only Israel had heeded this warning given by Christ. But, just like their forefathers who left Egypt with Moses, they took God’s grace to them for granted. Don’t let that be said about you!

You may assume that since you were once called to faith and baptized, you don’t need a living and active faith in Christ; you don’t need to hear His Word and receive His Sacraments as much as other people do. You may assume that since you have worked so hard to live a good and decent life, you now deserve God’s grace and recognition more than someone else does. Don’t be deceived! Satan will try to lead you to such false assumptions, to take God’s grace for granted and to imagine that you’ve earned His favor and deserve His goodness. But such wickedness drives out faith and the Holy Spirit and threatens to make your outcome like that of Israel. Payback is a Mother….. To whom shall I speak and give warning that they may hear?

 

July 1 Brings Lower Interest Rates on New Federal Student Loans

loan debtJuly 1 is an important date for students and families: it’s when most changes to federal student aid – both loans and grants – go into effect. For the year starting July 1, 2016, new federal loans for undergraduates, graduate students, and parents will have lower fixed interest rates than loans taken out the year before, and the maximum Pell Grant will be higher. To help inform college borrowing decisions, there is a new easy-to-read chart with 2016-17 interest rates, loan amounts, and other useful information for the most common types of federal loans.

The coming changes include:

  • On July 1, the maximum Pell Grant will be adjusted for inflation to $5,815, up from $5,775. Pell Grants help nearly eight million lower income students pay for college and limit how much they need to borrow.
  • The new maximum grant for will cover less than 30% of the cost of attending a public four-year college, the smallest share in over 40 years. And under current law, the maximum Pell Grant will no longer be tied to inflation after 2017-18.
  • On July 1, the fixed rates for new federal loans will be lower than the rates for loans issued last year.
  • Stafford loans for undergraduates, subsidized and unsubsidized: 3.76% for loans issued in 2016-17 (down from 4.29% for loans issued in 2015-16).
  • Stafford loans for graduate students: 5.31% for loans issued in 2016-17 (down from 5.84% for loans issued in 2015-16).
  • Parent and Graduate PLUS loans: 6.31% for loans issued in 2016-17 (down from 6.84% for loans issued in 2015-16).
  • On October 1, origination fees will increase slightly for new federal loans.
  • For loans issued October 1, 2016 through September 30, 2017, fees will be 1.069% of principal for all Stafford loans (up from 1.068%), and 4.276% for all PLUS loans (up from 4.272%).

For more information about federal student loans for the coming school year, see the summary chart, Federal Student Loan Terms for 2016-17 below:

This chart summarizes the interest rates, loan limits, and other terms for federal student loans issued from July 1, 2016 through June 30, 2017.

Basic Eligibility Requirements

U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid. Total aid, including student loans, cannot exceed the school’s total cost of attendance (tuition and fees, room and board, transportation, personal and miscellaneous expenses). FAFSA required.

Stafford Loans

TYPES Subsidized Stafford Loan: Available only to undergraduate students on the basis of financial need. No credit check required. The federal government covers the interest on these loans while borrowers are enrolled at least half time and for six months after they are no longer enrolled at least half time. Monthly payments are not required until six months after leaving school.
Unsubsidized Stafford Loan: Available to undergraduate and graduate students regardless of financial need. No credit check required. Interest is charged throughout the life of the loan. Monthly payments are not required until six months after leaving school.
ANNUAL LOAN LIMITS Dependent undergraduates (most students under the age of 24): $5,500 as freshmen (including up to $3,500 subsidized); $6,500 as sophomores (including up to $4,500 subsidized); $7,500 as juniors and seniors (including up to $5,500 subsidized).
Independent undergraduates (students age 24 or older) and dependent students whose parents are unable to obtain PLUS Loans: $9,500 as freshmen (including up to $3,500 subsidized); $10,500 as sophomores (including up to $4,500 subsidized); $12,500 as juniors and seniors (including up to $5,500 subsidized).
Graduate students: $20,500 (or $40,500 for certain medical training).
AGGREGATE LOAN LIMITS Dependent students: $31,000. Independent undergraduates and dependent students whose parents are unable to obtain PLUS Loans: $57,500. Graduate and professional students: $138,500 (or $224,000 for certain medical training) including undergraduate borrowing.
INTEREST RATES The interest rate for undergraduate Stafford loans, both subsidized and unsubsidized, is 3.76%. Rates are fixed for the life of the loan. (See how interest rates are determined.)
The interest rate for unsubsidized Stafford loans made to graduate students is 5.31%. Rates are fixed for the life of the loan. (See how interest rates are determined.)
FEE 1.068% if first disbursed on or after October 1, 2015 and before October 1, 2016; 1.069% if first disbursed on or after October 1, 2016 and before October 1, 2017.
ELIGIBILITY PERIOD FOR SUBSIDIZED LOANS New borrowers are only eligible to receive subsidized Stafford loans for a time period that is 150% of the published length of their program. After that, borrowers are not eligible to receive additional subsidized loans and may become responsible for interest that accrues on their existing loans. Borrowers with any federal loans from before July 1, 2013 are not affected. For more information on the maximum eligibility period, please see studentaid.gov.

PLUS Loans

TYPES Parent PLUS: Loans to parents of dependent students to help pay for undergraduate education. Parents are responsible for all principal and interest.
Grad PLUS: Additional loans to graduate and professional degree students to help cover education expenses.
ADDITIONAL ELIGIBILITY REQUIREMENTS Available regardless of financial need to parents of dependent students (Parent PLUS) and to graduate and professional students (Grad PLUS). Credit check required. The credit requirement can be met by a cosigner. May require a separate application in addition to the FAFSA.
LOAN LIMIT Total cost of attendance minus other financial aid. No aggregate maximum.
INTEREST RATE 6.31% (See how interest rates are determined.)
FEE 4.272% if first disbursed on or after October 1, 2015 and before October 1, 2016; 4.276% if first disbursed on or after October 1, 2016 and before October 1, 2017.

How Interest Rates are Determined

FIXED RATE LOANS All Stafford and PLUS loans originated since July 1, 2006 have fixed rates. Since 2013, fixed rates for new loans are set each year based on the 10-year Treasury note following the May auction (1.710% for 2016-17) plus a set margin of 2.05 percentage points for undergraduate Stafford, 3.60 points for graduate Stafford, and 4.60 points for PLUS loans. Although rates for new loans are set each year, rates are fixed for the life of the loan.
VARIABLE-RATE LOANS For older Stafford and PLUS loans with variable rates, interest rates change annually on July 1, based on the last 91-day T-bill auction in May.

During Repayment

RATE REDUCTION FOR AUTOMATIC ELECTRONIC PAYMENTS Borrowers can receive a 0.25% interest rate reduction if they sign up for auto debit payments online.
DEFERMENTS FOR UNEMPLOYMENT OR ECONOMIC HARDSHIP Borrowers may defer payments for up to three years. For Parent PLUS, Grad PLUS, and unsubsidized Stafford Loans, interest continues to accrue. For more about other repayment options, see studentaid.ed.gov.
INCOME-DRIVEN REPAYMENT PLANS There are several income-driven repayment plans that can help keep payments manageable by capping them at a low percentage of the borrower’s income: Revised Pay As You Earn (REPAYE), Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income Contingent Repayment (ICR). Borrowers who make payments based on their income can receive a discharge of their remaining student debt after 20 or 25 years of payments For more information about these plans and to estimate monthly loan payments, see studentaid.ed.gov/idr and IBRinfo.org.
PUBLIC SERVICE AND TEACHER LOAN FORGIVENESS Public Service Loan Forgiveness is available after 10 years of qualifying payments and employment, only for Direct Loans (excluding Parent PLUS, unless consolidated). The Teacher Loan Forgiveness Program (Stafford only) is available for loans in both the Direct and FFEL programs. All federal loans issued since July 1, 2010 are Direct Loans. Teachers with Perkins loans may be eligible for a loan cancellation if they meet certain requirements. More information for teachers can be found at studentaid.ed.gov.
LOAN CONSOLIDATION Borrowers with Direct and/or FFEL loans can convert them into a Direct Consolidation loan. There is no fee. Depending on the borrower’s total debt, repayment periods can vary from 10 to 30 years. For more information, see studentaid.gov. To apply online, go to studentloans.gov.