So, I’ve used a few different kinds of planners over the past few years and sometimes it’s worked very well and other times I’ve given up on using it two weeks in. So I thought I would impart some wisdom from my years of planner usage. This is mainly for students but some of these tips can be used in general too. Enjoy!

Keep it simple: I think a lot of people in the study community have this problem when they first start using a planner. There is a pressure to make it have beautiful spreads with washi tape and stickers and full illustrations, especially with bullet journals. Here’s the thing though: you start out strong creating a ton of beautiful spreads but after about two weeks you lose the time or motivation that it requires to maintain this gorgeous planner so you quit using it altogether. Or you create these immaculate spreads with hardly any place to write anything or feel unable to write anything in journal that will ruin the ~aesthetic~. I’m sure that creating beautiful journal spreads can be really fun and functional for a lot of people. I throw no shade. But it isn’t for everyone, so my advice is to start of simple and then add stuff in slowly. Find a level of aesthetic that works for you. If you don’t have time to maintain a bullet journal, use a regular planner. Start with function and think about look later. 

Make it easy to use: This can mean a lot of different things, but the idea is to eliminate most of the obstacles that exist in using your planning system to make sure that you ACTUALLY USE IT. Can’t always carry a journal around? Use an app on your phone. Gets lost in your bag? Keep a small one and put it in a smaller pocket of your backpack. Hard to find a page? Put tabs in it. Basically: Pinpoint the reason that you don’t use your planner and come up with a solution for it. 

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There is cautious optimism that rapid-fire improvements to the Paycheck Protection Program's portal will address a series of issues that bedeviled the effort's first week.

The $349 billion stimulus program, being run by the Small Business Administration and the Treasury Department WGU Student Portal, went live Friday. Since then, the SBA's 7(a) processing system, known as E-Tran, has frustrated lenders faced with login problems and a crash that kept participants out for up to four hours Monday.

The headaches prompted SBA to work with Amazon Web Services to develop a new gateway that went live Wednesday morning.

Sen. Marco Rubio, R-Fla., included a fingers-crossed emoji in his tweet announcing the upgrade.

An SBA official, who asked not to be named, said the agency had been working to construct “a new streamlined point of entry for E-Tran.” The SBA believes the new gateway should prove “particularly useful” to new lenders who lack a pre-crisis background making 7(a) loans, the official said.

“It expedites new lender ability to process loan guarantee requests by providing direct access to E-Tran,” the official said.

That would be welcome news to banks that have been trying to access E-Tran, but have been unsuccessful because it requires an authorization number.

The problem is that “no one seems to know where [the number] comes from if you are a non-SBA lender,” said Maria Amoruso, chief marketing officer at NexTier Bank in Kittanning, Pa.

“While we have been approved as a non-SBA lender, we have not received access to the non-SBA portal,” Amoruso said, adding that the $1.4 billion-asset NexTier has “close to 600 loans” it could process. “We continue to look for some guidance … but know that the federal and local representatives are swamped with the number of inquiries.”

“No one at SBA is able to say what that” authorization number is, Kristen Stogniew at advisory firm Saltmarsh, Cleaveland & Gund, tweeted Wednesday afternoon, adding that many non-SBA lenders in Alabama, Florida and Georgia still can’t get through. “Day 6 of this mess and it’s getting old.”

To be sure, it was a big demand for E-Tran to handle the PPP volume. As of Wednesday afternoon, the SBA had received about 381,000 loans totaling $100 billion from more than 3,600 lenders. By comparison, the SBA backed $25.4 billion in 7(a) loans in its busiest fiscal year Australia UK, USA.

The Treasury, meanwhile, has asked Congress to commit another $251 billion to the program.

“SBA has been tasked to increase its capacity by a factor of at least 50 times,” said Javier Saade, a partner at Fenway Summer Ventures in Washington. “All of its credit programs combined put out about $25 billion a year. The task at hand is $350 billion in eight to 12 weeks.”

A digital upgrade was "highly needed due to the amount of dollars, number of loans and the short window lenders have to deploy them,” added Saade, who was the SBA’s associate administrator and chief of investment and innovation from 2013 to 2015.

“I think a parallel system is a wonderful idea,” said Chris Hurn, CEO of Fountainhead Capital in Lake Mary, Fla. “E-Tran has been very clunky. I was very worried about it. This is a good step.”

Amazon did not respond to a request for comment.

Even when it’s functioning, E-Tran is often slow, but “that’s to be expected with this kind of a surge” in volume, Hurn said.

The system improvements, along with many of the private-sector applications being developed to speed the PPP's operation, could propel a more fundamental and much-needed digital transformation, pushing 7(a) closer to fintech in its functionality, said Eden Amirav, CEO of Become, an online platform for small and midsize companies.

The SBA has always been characterized “by a big gap” technologically, Amirav said.

“It’s a great loan, but the complexity and hard time you had to go through to submit it” turned off potential borrowers, Amirav added. "Businesses need their money right away."

The new lender gateway comes at a particularly important time, Hurn said.

The agency provided guidance Tuesday on the promissory notes it will accept for PPP loans, settling a question that had kept many lenders, including Fountainhead, on the sidelines. The SBA is also expected to provide the application forms necessary for fintech lenders to join the program by the end of this week.

“I think you’re going to see a lot more money released next week,” Hurn said. “I’m pretty sure of it.”

     The New York Times, The Devil Wears Prada, and Glee series: these are what led me, a younger me, to get a “fantasy” about the U.S. I’ve grown up, watching lots of American TV dramas and movies because I was crazy about them! ( I believe that’s why I chose COMMUNICATION as my major) and imagined a future me who goes to work to The New York Times with a cup of coffee every morning, walking in the New York street just as Andrea who played by Anne Hathaway in The Devil Wears Prada. I know this sounds very silly. But for real, that was the first step in setting a goal to come to the US. 

     Yes, as you know, the first reason was because I just wanted to experience America at least once in my life. After, I’ve put more reasons for why I should go to the U.S. The next reason was . . . Simply because I liked English. English was my favorite subject when I was in high school. I hated math and that might be why I liked English more too. I suggested having lunch together every day to my English native teacher and enjoyed that time with her. She was the first English native speaker whom I met. Thanks to her, I could speak English with her every lunchtime, even though my English was really really bad. I could accept and enjoy English just as the language, not as the subject that I had to study for the test because of that time.

     But, just an interest in English was not enough. When I went to college and started to study, I felt I wanted to and needed to be free in using English. I recognized if I can use English comfortably, there are more opportunities available for me, like watching more various English based content to finding a source for my studying assignments or projects.  The most crucial time when I felt the importance of English was during my volunteering in Cambodia. During that time, I had to talk with people from other countries with English because English is the universal language of the world! But I had a lot of trouble speaking English and when I went back to Korea, I committed by myself to learn English more. For learning English, I could just go to the academic institution in Korea, but I didn’t do that. I wanted to learn English by meeting and talking with English speakers, experiencing new cultures. The best way to do that was to go to the U.S. as an exchange student because I thought I could stay longer, experience real school life and have fun as a student.

Morning shower: can't play music, could wake people up, gotta be extra quiet

Day shower: Nobody home, can play music, wet hair for rest of day, kinda feel like you've wasted your day

Evening shower: again can't play music, gotta sleep with towel on pillow

What about night showers, you ask? Well you see the thing is...

IM NOT A HEATHEN!