Seven days out is your guide to entertainment events, concerts, festivals and activities in Escambia and Santa Rosa County.
Monday Night Blues
7 p.m. Monday, June 14. Seville Quarter, 130 E. Government St. Seville Quarter and the Blues Society of Northwest Florida are bringing the “blues” back to the Seville Quarter Entertainment District. The event features live blues music and “BBQ and Bud” food and drink specials. More info: 850-434-6211 or sevillequarter.com.
Ghost & Graveyards Tour
5:30 p.m. Tuesday, Thursday and Saturday, June 15, 17 and 19. Go Retro, 610 N. Spring St. From fear to laughter and somewhere in between, Go Retro offers the ultimate Halloween experience for adults. This riding tour covers a wide area with stops in the Commercial Business District, Seville, Sanders Beach, North and West Hill. There is a stop at a cemetery and sometimes the driver can arrange for you to visit a haunted house. Designed for mature audiences; parental guidance is strongly advised. More info: 850-466-5220.
Bands on the Beach
7 to 9 p.m. Tuesday, June 15. Gulfside Pavilion at Casino Beach, Pensacola Beach. Pensacola Beach’s popular outdoor summer concert series with performers for every musical taste. Featuring a lineup of regional artists, Bands on the Beach delivers an eclectic musical experience throughout the entire summer. This week features Elvis Remembered with Shane Tucker. Spectators are encouraged to bring lawn chairs and blankets. Free. More info: 850-932-2257 or visitpensacolabeach.com.
7:30 p.m. Tuesday, June 15. Seville Quarter, 130 E. Government St. Enjoy jazz with Melodious Allen and The Funk Heads in Lili Marlene’s. More info: 850-434-6211 or sevillequarter.com.
Tunes by the Dunes Summer Concert Series
7 p.m. Thursday, June 17. Sand Crab Pavilion, Navarre Beach Park, 8649 Gulf Blvd., Navarre. Tunes by the Dunes is a free summer concert series hosted by the Navarre Beach Area Chamber of Commerce. Enjoy a relaxing evening at the Sand Crab Pavilion for live local music and food vendors. Spectators are encouraged to bring beach blankets and lawn chairs. This week features Platinum Premier Band. Free. More info: 850-939-3267 or navarrechamber.com/tunes-by-the-dunes.
Friday through Monday, June 18 through 21. Flounder’s Chowder House, 800 Quietwater Beach Road, Pensacola Beach. Cash awards and prizes await the angler who weighs in the top three fish in 21 different species. In addition to the rodeo, there is the Step One Automotive King Mackerel Challenge with a separate buy-in and cash and prizes awarded to the boat that brings in the biggest king mackerel. There also is the In-Shore Challenge and the Academy Sports and Outdoors Junior Rodeo. The weigh-in will take place from 2 to 7 p.m. Saturday and noon to 6 p.m. Sunday. Admission: Prices vary on type of fishing; free for kids. More info: 850-434-2800.
7:30 p.m. Thursday through Saturday and 3 p.m. Sunday, June 18 through 27. Pensacola Little Theatre, 400 S. Jefferson St. At a large, tastefully appointed Sneden’s Landing townhouse, the deputy mayor of New York has just shot himself. Though only a flesh wound, four couples are about to experience a severe attack of farce. Gathering for their 10th wedding anniversary, the host lies bleeding in the other room, and his wife is nowhere in sight. His lawyer, Ken, and wife, Chris, must get “the story” straight before the other guests arrive. As the confusions and miscommunications mount, the evening spins off into classic farcical hilarity. More info: 850-432-2042.
11 p.m. to 2 a.m. Friday and Saturday, June 18 and 19. DeLuna Lanes and Peter B’s Sport Grill, 590 E. Nine Mile Road. Cosmic Bowling is glow-in-the-dark bowling with a dance club atmosphere. The event features a light show, fog machine, and music. Before Cosmic starts on Saturday nights, attendees can enjoy karaoke in the sports grill. Admission: $12. More info: 850-478-9522.
Black Beauty Expo
10 a.m. Saturday, June 19. Onyx Event Space, 4400 Mobile Highway. The Black Beauty Expo is a gathering that allows for Black women on the Gulf Coast to encounter new products, network, learn, and connect. This year’s theme is all about the #Queendom. The expo features guest speakers discussing health, hair, beauty and politics. VIP ticket holders enjoy access to The Beauty Bar, where they can receive free services from local licensed beauty professionals and the Brand Builders Level Up Room, where classes will be held on credit repair, homeownership, investments, and brand building. Free for general admission. VIP: $20. More info: 850-446-8436.
5:30 a.m. Saturday, June 19. 8649 Gulf Blvd., Navarre. GOAT is an international kayak fishing event, showcasing Navarre as the premiere fishing destination of Florida. Watch the fish weigh-in at Windjammers by the Pier, along with live music starting at 3 p.m. More info: goatkft.com or firstname.lastname@example.org.
Baby Shark Live!
2 p.m. Saturday, June 19. Pensacola Bay Center, 201 E. Gregory St. Baby Shark Live! is based on Pinkfong’s viral earworm and global dance phenomenon, Baby Shark. Fans of all ages will delight as Baby Shark joins up with his friend Pinkfong to take an adventure into the sea, singing and dancing through new and classic songs including Five Little Monkeys, Wheels on the Bus, Jungle Boogie, Monkey Banana Dance and, of course, Baby Shark. Tickets: $49.50, $44.50, $39.50. More info: 850-432-0800.
Fish House Craft Beer Festival
3 p.m. Saturday, June 19. The Fish House, 600 S. Barracks St. The annual Craft Beer Fest will feature more than 50 beers with a portion of the event proceeds benefiting Big Brothers Big Sisters of Northwest Florida. Tickets: $30. For ages 21 and older. More info: 850-912-6622.
Bet Your Life Casino Murder Mystery Dinner Show
6 p.m., doors; 7 p.m., show; Saturday, June 19. Seville Quarter, 130 E. Government St. You’re attending a promotional gathering for the final round of the Champion’s Hall International Poker (C.H.I.P.) tournament. With such high stakes something is bound to go wrong, but when someone winds up dead it will be up to you and Detective Gunn to go all in and solve the case. Tickets: $59. More info: 850-434-6211 or sevillequarter.com.
Youth Talent Show
7 p.m. Saturday, June 19. The Gordon Community Art Center, 306 N. DeVilliers St. All youth ages 8 to 18 are invited to share their talent at the Gordon Community Art Center’s Youth Talent Show. Three judges will score and encourage the performers. All performers will receive a prize. The top three scores will receive an award of $50, $30 or $20. Admission: $2 entry fee (includes one complimentary ticket); $5 general admission. More info: 850-857-8961.
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When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.
However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.
What is Sallie Mae?
Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.
In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.
However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.
In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).
At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.
What is the difference between private and federal student loans?
With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.
On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.
Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.
As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.
Are Sallie Mae loans better than federal student loans?
In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.
However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.
If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.
With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.
The bottom line
Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.
Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.
PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have.
1. Analyze Your Finances Quarterly or Biannually
You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.
With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.
The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.
4. Savings and Retirement Accounts
The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.
A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies.
Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan.
Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito.