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.

How To Buy Good Summer Clothes Fast

Summer is the fun packed season of the year full of adventure and would not be complete without a few additions to the wardrobe. You can get new summer clothes fast by knowing how and where to shop. Many people make shopping mistakes during summer as they are too quick to buy fancy clothes.

Buy full outfits not single items

A mistake many shoppers make during summer is getting anything they like that looks colorful. The problem is one ends up with many items; most which do not match since you can not get many full outfits. When buying any item, whether online or not, make sure you can visualize what it would go with. There is little use in buying a great skirt or top but not wearing it in the season because it matches nothing in your wardrobe. It is prudent to buy an outfit as opposed to single items.

Go for quality clothes

It is important to keep emotions in check when buying items to enable you to pay attention to details that show the quality of an item. Avoid buying items that look nice but are of poor quality and will not last a few weeks. Get firm and quality items that will last you till the next summer.

Buy wardrobe staples

Avoid such basic mistakes by making a list of items that you really need. Whether you are going for a vacation or not, there are items you can not do without such a flowery sundress or wide-brimmed hat. Once you have a list, it will be easier to separate closet staples from mere wants. This helps you to shop faster and save money.

Get rid of old clothes

Once you have a list, get fishing in your closet for items that you have not worn in over a year. If you are going to buy more clothes, then get rid of the old ones. Categorize the clothes into those to give away to charity and items you can swap.

Find clothes online

Search online for swapping stores where you can barter your gently worn or even not worn items for others. This way you get new outfits without spending any money. Make sure you display items that you would buy if they were sold to you at the online swap shop you find. The clothes should be in good condition to get you a good swap.

Professional Development Plans

Every organization favors employees that contribute to its growth and potential. They hire skilled and efficient people, dedicated to organization goals. In spite of the efforts made, there is an inherent need to enroll proficient and motivated workers for a long-term relationship with the organization. There are professional development plans that include vital strategies for people to realize their career advancement and employment goals.

There are professional development seminars that provide the necessary information on self-assessment. A career counselor can also offer guidelines to students and professionals, before they move on to the planning stage. The students are asked to draft a professional development plan. The necessary details in the plan help the counselors to provide adequate guidelines for them to choose a particular field of interest. A plan helps them to target the areas most important for the overall objective of securing a job or internship.

A professional development plan is a methodological lay out of personal information, professional objective, target employers and professional development needs. Personal information includes email and phone numbers, degree programs and the date of graduation.

The professional objectives provide detailed information on preferred jobs or internship. They may list the favored scales, public, private, non-profit, or multi-lateral sectors. They specifically describe the care and the desired employer, along with the job function and geographical location.

Information on target employers consists of a list of organizations and locations favored. There are details on professional development needs provided, through reflection and research. It helps to create a list of the skills and experiences that they need to further develop, to realize the professional development goals.

There are online sites of the programs that set standards of planning. Their web sites provide resources and tools needed to use the professional development model to implement individual professional development plans.

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.