tudent loans by either refinancing or consolidating th

Renegotiating Your Student Loans

There comes a point in time when it might make sense for you to renegotiate your student loans by either refinancing or consolidating them. However, you must exercise extreme caution – especially when refinancing. There are many factors to consider beyond simply finding the lowest interest rate possible.

There comes a point in time when it might make sense for you to renegotiate your student loans by either refinancing or consolidating them. However, you must exercise extreme caution – especially when refinancing. There are many factors to consider beyond simply finding the lowest interest rate possibleBig Boss vote.

If you think that an Income-Driven Repayment Plan may be right for you

If you think that an Income-Driven Repayment Plan may be right for you, you can apply either or with a paper copy (there are certain situations that require a paper copy, but usually online is best). There is a single application for all the Income-Driven Repayment Plans. You can select which plan you are applying for, or you can have your loan servicer decide which you are eligible for, and then place you in the plan with the lowest monthly premium. The second approach is not usually optimal, as there are many other factors to consider other than just which has the lowest monthly payment.

Note: You must fill out a new application and send it into each servicer if you have more than one.

According to James Douglas

penalty box” for those prices (AdAge). As a result, Snap’s prices cratered. They reached a low point in June of 2018, when Snap Ads cost $2.95 per thousand impressions (CPM), compared to $4.20 on Instagram and about $5.12 on Facebook’s mobile app (AdAge).

This price drop was also fueled by Snap gradually phasing in its self-serve tools, which determine ad prices though programmatic bidding, the same process Facebook uses. This shift is a risky move because it allows advertisers to compare Snap’s auctions with Facebook’s directly, which are much more competitive.

Things may finally be looking up, though. In Q4 2018, Snap’s average ad price increased sequentially 3% over Q3, the first time that has happened since it introduced programmatic bidding. There are likely two reasons behind this increase. First, as chief business officer Jeremi Gorman told investors on the company’s fourth-quarter earnings call, Snap has seen a steady growth in active advertisers since it launched programmatic bidding in 2017. And second, Snap has recently added higher-value ads like the unskippable “Commercials” in Snap Originals.

What to Look For:

From data privacy scandals to antitrust regulatory probes, it would be hard to find another company that has been at the center of more controversy in recent years than Facebook (FB). And yet, investors seem little swayed so long as the company continues to add to its monthly active users (MAU), and perhaps more importantly, average revenue per user (ARPU). Investors will be intently watching those two key metrics as Facebook issues its quarterly earnings report next week. Analysts are expecting earnings to rise on relatively modest revenue growth. 

Facebook Earnings: What Happened

Facebook announced earnings on October 30th, 2019 after markets closed and once again proved two things. First, no matter how many bad headlines surround it, the company's bottom line doesn't appear to suffer. Second, as long as it delivers on its bottom line, investors don't really care much about Facebook's role in current events. Facebook smashed earnings expectations, earning $2.12 a share.


On a more granular level, Facebook's daily active users (DAU) rose 9% from this quarter last year, roughly in line with expectations. Its average revenue per user (ARPU) rose to $7.22, topping expectations. Facebook's stock rose about 5% in after hours trading, though it has since settled down to around 2% higher than its pre-earnings level.