The Similarities and Differences in Graduate and Undergrading Financial Aid

In less than forty years the cost of a college education has dramatically dramatically and today a college education will cost about ten times as much as it did when I myself attended college. Fortunately though there are now a variety of programs available to help you to fund your education and the path that you follow will depend upon whether you are an undergraduate or a graduate student.

As an undergraduate you will rely on an often compounded mixture of scholarships, grants and loans and, in the case of loans, these will either be taken out alone, by your parents, or as a combination loan in which for example you take out the loan in your own name with your parents as co-borrowers or co-signers to the loan.

By far the most popular student loan program today, which accounts for more than ninety percent of government backed funding, is subsidized and unsubsidized Stafford loans. The most desirable are of course subsidized loans on which the government picks up the bill for interest payments while you are in college and for a grace period of up to six months after you graduate. These loans are however needs based and so there are a couple of hoops which you have to jump through to qualify. Unsubsidized loans in contrast are not needs based and so are available to almost all students.

For a graduate student however the picture is somewhat different and, while there are graduate scholarships and grants available, these tend to be few and far apart. It is however often possible to get a teaching or research assistantship, which is essentially a low paying, long hours job which many graduates avail themselves of to help them through their course or while carrying out research.

Another recently introduced option for graduations is a PLUS loan. PLUS stands for Parent Loans for Undergraduate Students and, as the name suggests, was originally designed to allow parents to take out a preferential loan in order to help a son or daughter through college. Now though this program has been extended to also allow graduate students to take a PLUS loan in their own right.

PLUS loans are available available and are credit, rather than need, based. For some graduates this may cause a problem but the majority of graduations have not had time to get them into the credit problems which are suffering by so many adults today. Consequently, although you may have a sparse credit history, you probably will not have enough bad marks on your credit report to rule you ineligible for a PLUS loan.

The downside of PLUS loans is that, in historical terms at least, current interest rates which are generally either 7.9% or 8.5% are not low. This means that interest charges on even a reliably small loan can be high and repayment will need to start within 60 days of the grant of the loan, with no grace period.

As with all student loans, whether for undergraduates or graduations, there are a variety of different loans available from both government and private sources and, government loans in particular, have different caps for both single loans and lifetime loans from individual programs. As a result this is one area which you will need to research carefully, rather than simply rushing in and applying for the first loan which springs to mind.

Personal Fitness – Six Things You Will not Know About Stretching For Fitness Until You Read This

If you research the subject of stretching thoroughly, one thing becomes glaringly obvious. There are conflicting views as to what is or is not true, what you should or should not do and how you should or should not do it.

Basically the latest research does not support all of the information that many fitness 'gurus' have been handing down for years. So what does the latest research say? I'm glad you asked!

1. Stretching is goal specific. Meaning the way you'll stretch as part of your cardiovascular or resistance routine will not be the same as the way you'll stretch for improving your range of motion.

2. Stretching after exercise does not prevent post-exercise muscle soreness. There is also little or no support for the theory that stretching immediately before exercise can prevent either overuse or acute sports injuries.

3. Dynamic or Ballistic Stretching is heading the way of the dinosaur. The forceful, jerky movements have been known to cause micro tears in the muscle fibers. Bouncing and pulling your muscles with force is one way way ticket to soreness, injury and joint pain.

4. Static stretching is one of the safest ways to stretch. After a proper warm-up, assume a maximum stretch position for each muscle and hold for 30 seconds. Shorter durations do not produce desired results and longer durations do not significantly increase benefits.

5. PNF Stretching is a technique which involves a combination of alternating static stretches with isometric muscle contracting. It was first used by physical therapists for injury prevention and rehabilitation. Proprioceptive Neuromuscular Facilitation (PNF) is considered the fastest way to improve range of motion.

6. Visualize while stretching each muscle group. You've got to be 'plugged in' mentally to get the best result. Take this quiet stretch time to improve your body awareness. Focus on what you're doing. Even in a recession, I do not think you're too poor to pay attention.

Mental Health Supplements

Most people, who suffer from depression, also suffer from anxiety disorder. In fact, anxiety and depression are the most common types of mental health issues. The cause of these disorders is due to chemical imbalances in the brain. There are prescription drugs that a doctor can prescribe to help lessen the effects of depression and anxiety. These treatments can provide relief, but there are also alternatives. Many individuals have had success with using mental health supplements. Some individuals rely on 100% mental health supplements for treatment, while others use health supplements in addition to prescribed medicines. Before choosing to take mental health supplements for depression or anxiety, be sure you first speak with your physician.

Omega-3 fatty acids are an excellent way to help with symptoms of depression. There are many ways to increase omega-3 take. The most common way as with fish oil supplements or you can take flax seed oil supplements. The reason why this is an effective therapy for depression is due to the eicosapentaenoic acid, which is found in fish. For people who are depressed, they tend to have lower levels of eicosapentaenoic acid.

Often found in research on mental health supplements, is the suggestion of increasing amino acids. When people suffer from anxiety or depression, lower levels of amino acids are usually found. Some doctors specialize in amino acid therapy. Therapy may or may not be needed, but you can find many amino acid supplements available on the market. When taking amino acid supplements, patients tend to notice an increase and improvement in mood.

Studies show that patients who suffer from depression also have vitamin B deficiencies. Vitamin B is important because it helps with mood regulation and brain function. Taking a daily dose of vitamin B can help lower the symptoms of depression.

When researching for mental health supplements you may come across one named SAMe – otherwise known as S-adenosyl-L-methionine. You can find SAMe easily as it is available for the dietary supplement. This chemical, S-adenosyl-L-methionine, is made by the liver and helps produce neurotransmitters. When taken as a supplement, it improves the conditions of depression.

For an herbal extract, the most widely used is St. John's. John's wort. St. John's wort is best to use in cases of mild to moderate depression. For anxiety herbal supplements, there is passion flower, kava kava and magnolia bark. An Herbal treatment that is good for both anxiety and depression Ginkgo biloba.

Once again, it is important that you first consult your physician before you try to use mental health supplements . This is especially true if you are already taking prescription medines or over-the-counter medications. The reason for this is that some of these supplements can have an adverse reaction to certain medicines.

Setup Web Hosting – Get Connected

When you are ready to setup web hosting for your website, there are many different options to choose from. In order for you to get your website live to the internet, you have to point your website files to your host. This is called FTP or File Transfer Protocol. Websites can have large files and FTP is a way to upload your website files to your host.

When you setup your host all you are doing is renting web space and bandwidth from a company. In return your upload files and your website is live to the internet. Depending on the kind of website you have your hosting plan will vary. I have listed some key terms when purchasing a web hosting plan to look out for.

  • Bandwidth (your traffic funnel)
  • Storage (depending on the size of your website)
  • Up time (this is when you server is up)
  • How many e-mail accounts (depending on your number of employees).

What ever you do stay away from the free hosts, if you care about your customers and business. I know free sounds good, but when we are talking about your host it is not. I will list some downfalls when choosing a free web host.

  • Unreliable (here today gone tomorrow with your website).
  • No real domain (you use a sub domain of their domain name such as your-name.their-domain.com). You can not build a customer base with that name.
  • They have the right to cancel you at anytime for any reason (your return customers have no website to return to).
  • Pop ups all the time on your website not even relevant to your content.

Web hosting is affordable with plans that start out about $ 3.99 a month for a basic plan which is plenty for a simple website. I hope this article has helped you in some way, so when you decide to get your website live to the internet you will be one step ahead.