Word: transference
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That may be fine if the borrower is in your will anyway and the wealth transfer doesn't run afoul of federal limits on tax-free gifts. But generally it is in the best interest of all involved to take a few simple steps before handing out a sizable chunk of change that you expect to be repaid...
...odds for gaining acceptance to Harvard as a transfer student, already slim, are about to become razor-thin. Having decided to increase the size of the freshman class, the College has announced that, starting in 2011, it will halve the number of transfer student positions it makes available...
This is a thoroughly bad idea: Not only do transfer students contribute to the diversity and depth of the student body, but there are legitimate reasons why some students would be better served at Harvard than at other institutions, such as being unhappy or unchallenged. As such, they deserve a chance at admission commensurate with freshman applicants. Shortchanging these students by halving the number who are admitted is unwise and unfair...
...decision to increase the freshman class by about 30. But since the College has no plans to increase the size of the overall student body in the near future—a policy we wholeheartedly support—the increase in freshmen must be offset with a decrease in transfers. Dean of Harvard College Benedict H. Gross ’71 said, “We made the decision because admissions—which reads all the files—felt that the freshman pool of applicants was deeper…than the pool of transfer applicants...
...according to Dean of Admissions and Financial Aid William R. Fitzsimmions ’67 transfer students that have historically been admitted are “every bit as well-prepared as people admitted through the freshman process.” Even Dean Gross admits that “the transfers that we admit are exceptional students, and they do very well here...