Last Night...at the local pub...

Awesome!!!!!!

Okay... here are some party pictures of party people at... hold on.... where the heck I was last night? Anyway, my classmates and I went to out for celebrating end of B block plus Casey's happy B-day... I brought my camera to take some funny moments and happy moments. Eventually, people wanted to be my models. Of cause, I was happy to take shot! I didn't get names of any of them but I gave them my card so they will find their pictures on my blog for sure.

Well, listen up people, here are three things about the picture. If you click the pictures, you can see larger image. If you like these pictures and willing to click the donation sign, where is on the right side of the blog, any donation will be helpful, totally optional. Last, whenever, anyone needs a photographer to memorize your day, simply email to notice me... Thank you

Looking for an American Citizen.. who can be a cosigner

Urgent situation, my financial supporting for education has been already draught. In other words, I have no more money to pay the tuition fee from the second semester, which is very bad situation for me. Because of this situation that I have, I've been under the stress of how to rise money to pay the huge amount of tuition fee every single day. In order to clear my head of finding the answer, I went to the school financial aid office. The first and main question was obviously if I am eligible to get a student loan. The answer was no; however as long as I applied the loan with an American citizen cosigner, the answer would be yes. That is why I have a big subtitle of looking for a cosigner.
Today is April 1st. I have exactly one month left before one quarter of next semester payment due, which is $4040. Even if I am working somewhere, I could not come up with that much money in a month, so the solution, the only solution, would be the student loan. Even now, I am not really sure who could trust me because this is involved the money. Money, it is power full object in human society. it can make people poor and rich. It can make anything dirty and ugly. However, the reason of borrowing money from a bank is clearly for education. I remember watching CNN news one day. Due to financial crisis, many students have been trouble with paying tuition fee, just like me. These students are luckily American citizens, so they can get loans from a bank or a government fund. In my case, I am still a Korean who studies in US. Most international students who study in US are financially supported from his or her parents, so do I. I do not want to get pity from people about my situation, yet I would like to let people know what situation that I have right now in order to be honest with a possible cosigner. I have a single mother and a sister who just got married last year. My father died from leukemia and other cancer last year. My family has a lot of debts from my father's business broken down and his treatments at the hospital. I fully understood what kind of situation that I have, but I always felt that I really need formal education; therefore, I am here at Culinary Institute of America.
My savings were ran out long times ago. Due to financial crisis, my mother's real estate business has been on the down hill; no one wanted to buy or sell, not even lease. Although she thought she could afford my education at the first time, she can't do anything now.
I've thought that I should pulse the study until I could save some money to pay the tuition fee, but it is very unclear plan. Even though studying at CIA would not be all the answer of everything, I strongly believe that I really need to study for my future. Better education equals to better future, isn't it?
Here is the information that I found. This financial company is the only one actually offers the student loan to the international students. https://opennet.salliemae.com/private/#header
it says about the international students-

-What documentation is required for foreign students?Foreign students must submit a copy of one of the following:
Student Visa. If the student is already in the U.S., and the expiration date on the student visa has occurred, we require an I-94 with an expiration date in the future.
Copy of a valid passport with photo and Current CIS Form I-94 (Arrival/Departure Record) designated with any of the following classifications:
F-1 and D/S; J-1 and D/S; M-1 and D/S; or H1B,
Public Interest Parolee (PIP)
Asylum status granted indefinitely
Refugee status granted indefinitely
Current CIS Form I-688 B or I-766 (Employment Authorization) which entitles the student to work and attend school in the U.S.Foreign students must also apply with a creditworthy cosigner who is a U.S. citizen or permanent resident.

Finding a cosigner will be tough, but I will keep trying. Only thing that I can offer to the cosigner is to pay $500 per year till pay off all the loan. Once the B block session is finished, I ca work on the campus, so that I could pay the person. The amount of yearly payment is also negotiable. So far, I believe I should pay off the loan in ten years after graduating. Therefore three more years in the school and ten years period together, I have to pay $500 for 13 years from next year. In the other words, the cosigner can earn from me $6500 in 13 years only because of signing the loan application.
I believe myself that I really need to study here, so please if there is anyone out there has a good credit, can trust my passion of study, and wants to earn some money. I am always willing to open for the discussion. Another offer from me is actually to borrow money which has 3% of interests until fully amount has been paid off. I really need $100,000 for education.
Please, help me.
here is more information of the student loan from same financial company
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=23:39:20&Channel=FAQ&FAQType=PCO&UserType=BORROWER
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=21:48:1&Channel=FAQ&FAQType=EligBorrow&UserType=BORROWER
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=23:55:51&Channel=FAQ&FAQType=RatesAndFees&UserType=BORROWER
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=23:56:12&Channel=FAQ&FAQType=PrivateEdLoans&UserType=BORROWER
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=23:56:33&Channel=FAQ&FAQType=AboutSM&UserType=BORROWER

Dear Investors

From this blog, everyone will assume who I am, so self-introduce can be omitted even though this post is for all the investors.

The Freshman semester at Culinary Institute of America (CIA) has began. Struggling with paying tuition fee was already settled in my brain since I choose to study at CIA. Enormous amount of tuition fee gave me so much thoughts and hard times. A couple days before entering CIA, I even thought about giving up the study just because I had no idea where I can raise education budget. My savings? It's gone long times ago due to studying English without earning money.

Today, I sent a letter to my mother. I actually asked a favor to her. More likely, I asked her to help me to find investors since my mother is also not able to afford all the fees. My suggestion is this: I borrow some amount of money from anybody who is willing to help me out. While I am at the school, 3% of interests will be provided them. After graduation, one tenth of the fund will be pay back with same amount of interest. Total tuition and residence hall fee is $ 100,000 until receiving Bachelor's degree. That amount of money is only big money that I need. I have a part time job on the weekend. From the job, I could earn up t0 $ 8000 annually while I am at the school. From $100,000, 3% of interest is $3,000 per year. I still have spending money after I pay the interest. As matter of fact, since two meals for a day is already include the fee, so I do not need so much money beside buying something for studying. Five days of studying and two days of working will help me to save a lot of money and pay interest.

In order to make the plan clear, for instant, if anyone have ability to lend me full amount of money that I need, $100,000, Only $3,000 will be sent to you for three years which is the academic years. Once I graduated the school, I might get a position in either Europe or America. In case of working in Europe, returning all the fund could be earlier. Same amount of interest will be sent to you with one tenth of full amount. The whole process of completing payment will take ten years. In total 13 years, you can get back all the money that you lend me and also earn $39,000 from interest.

It would be great if I can borrow $100,000 from one investor, yet any amount of investment fund will be accepted. If there is anyone out there can help me with your money, I would appreciate that. 3% of interest, $3000 a year, is for everyone. It wouldn't matter how much you lend me. By using the donation tag which is located left side of my blog, you can help me out to study at the world prime culinary school in order to the best chef. When you send me your help, please your personal information and bank account information to my email so that I can pay the interest every year.

I'd truly appreciate all your help. Your fund will not only help me to pay the tuition fee, but it also will encourage me to push hard on the study. I need your help now. Please help me to reach my goal.

Money, money that makes me worry

I want to study at Le Cordon Bleu and Culinary Institute of America since I started the cooking school in Korea. I've heard one student told about the CIA. She also said she plans to go there. I didn't know what kind of the school was at that time. Well, I should have gone to France to learn cooking at the beginning of my career. I did not know how to go to France and find a master chef to learn from. There was no such information I couldn't find back then. Perhaps, I might not be hard enough to find these kind of information. Whenever I go to book store, most of cook books that I can find was for house wives or from the famous school, such as Le Cordon Bleu. Even the foreign language book section had so limited collection to find a good cook that inspired me.
For now, I don't want to blame anything or anybody. Whenever I saw someone work better than me but has less years of experience, I am so angry at myself because one year in the cooking school, 1 year at family dining restaurant, 1 year at spaghetti restaurant, 2 years of military service and over one year of studying English didn't help me to be better, I am still shit. Because my past experiences weren't rich and seasoned, I think it probably be good idea to study at Culinary Institute of America and find a master chefs to learn their master skills. The only problem is I don't have enough money for anything. The school tuition fee is far expensive and working for the chef also takes a lot of cost, but I got nothing. Even though I really want to ask somebody about money, it is not too easy since I have to ask a lot of money. I've been asking my mother. She promised me for paying my education. However, the economy situation gave her a tough time to support her own son. So, I have to stand up by my own. But, how? I'm working at one Michelin starred restaurant but earning is not even enough for tuition or anything. I knew i am not happy with money situation. Somehow, I want to be happy in any circumstance, happy with working and studying. My pocket is always light as feather, my dream isn't. I have my dream. Not only I want to be a greatest chef, but I also want to be something different. That is my idea of my kitchen. In order to do that, I have to get threw this situation no matter what, beside anything stupid and illegal. Figuring out how live this life will not be easy but that is what I face on.

Culinary Institute of America

Today, I feel terrible and depressed right after I found that I have to prove over $350,000 on the bank account and my mother could barely afford only $10,000. I'm fucking broken right now. Well, I have $7 in my pocket. I really want to study. Even though, I just graduated ELS courses, I still couldn't open CIA's door because of the money. I don't know what I should do. Should I go back to Korea in order to make some savings? Should I buy some lotto? Should I beg some money from people on the street? Frankly, I am ready to do it!! I really hate my life. I enormously want to study as soon as possible so that I can get a job soon, which mean I can make money soon. I love my career so much that I don't want to think about how much money that I made, yet I have to think about it since I am a part of this world. How tragedy! My dad is in the heaven and My mother is in the financial crisis. My father is finally rest in peace after 26 years of pain and suffers from work, family, and disease. However, because I am her son, she is now suffering from supporting me. I feel terrible about that. I am fucking 28 years old. All my savings from past career had been spent long times ago. I am now asking money from my mother. I am really bad, really really bad. I probably am not a good son due to fact that I gave more hard time to my mother. If I was working, I could support my mother's expenses. She got married her early 20's, when she was 20. She spent her adulthood with helping her husband and rising her children. She didn't have her own life and still she couldn't have. Although my mother runs real estate business, she almost closes down since people less spent money to buy or rent the properties. I've been owning this web page for a couple months; nevertheless, I still couldn't get any donations. I need some action. What I got to do is to sit on the street with a picket that said,
"Searching for scholarship!! I am Roydon Kwangwoo Kim, a Korean chef from Australia. I came New York to study at Culinary Institute of America. However, since the financial crisis is happening right now and I need some money to start studying at the school, I am now ask you to help me to start to study. If you wish me to cook, I can cook for you as long as you provide ingredients and little amount of scholarship. I am fully qualified and 9 years experienced chef. I can prove you. I wish I could work somewhere, yet due to difficult situation, nobody hires me. All your big scholarship will help me to study, I'd appreciate all your helps. Thank you."

Donation

I've tried for one hours to figure out how to put the donation button into my blog. It was pain in my ass. I dare to ask people whoever can help me out to finish my study and journal. All the money you gave me will be used for paying tuition, bill, and any education expenses. Any amount of donation will be appreciated. Because I've been helped from people, I will cook better food and innovated cuisine. Thank you for all your help.