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.

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.

Salt Lake City Facts and Hotels

Facts about Salt Lake City

Salt Lake City is the biggest and the capital city of Utah State in the USA. It is one of the largest in the southwestern portion of the country although Salt Lake City’s climate is similar to the region of the Rocky Mountains. This city is located in the salt lake valley along the urban corridor of Wasatch Front situated between Wasatch Range to the eastern portion as well as Oquirrh Mountains in the western portion. The Oquirrh Mountains are near the border between the Great Basin and the Rocky Mountain regions.

The city is famous for the “Christ of latter-day Saints” church center though only half of the local residents are members of this congregation. The city has more than 180,000 inhabitants while the Salt Lake City metropolitan Area has over a million people.

This city is very popular for its numerous ski resorts within Wasatch Mountains just in the eastern and southeastern portion of the city proper. The 2002 Winter Olympics was held in this city. It is popular for its fluff and light snowballs due to the lake effect and low humidity.

Some of the largest snowfall in the United States occurs in the mountains of Wasatch. The condition of the mountains is suitable for skiing and the tagline “the greatest snow on earth.” Summer recreational activities such as hiking, rock climbing, mountain biking and camping along with fishing, boating and the like are also popular here for the mountains surrounding the city offer outdoor opportunities.

Salt Lake is just a 5-hour drive from the national parks and striking sandstone desert terrain of South Utah. This city is definitely a major destination for lots of major activities.

Hotels in Salt Lake City

Grand America Hotel

It is situated at 555 Main St., Salt Lake City, Utah. For more information about the hotel, amenities and the like, feel free to contact 801-258-6000. This is a luxury accommodation place on the southern portion of the city’s downtown area. This hotel is also rated as among the best hotels in the country. It is definitely among the world’s most beautiful hotels.

Grand America features some of the most luxurious mirrors and chandeliers within the Western Hemisphere. In addition, it even has a mirror that is worth a million dollars and is supposed to possess amazing clarity.

Hotel Monaco

This hotel is located at 15 West 200 South, Salt Lake City, Utah. For inquiries about hotel reservations, room amenities and room rates, contact 801-595-0000. It is a classy high-rise hotel with beautiful and spacious guest rooms. Hotel Monaco is mainly a business hotel although its amenities and facilities are as comfortable as luxury hotels. The hotel offers big discounts on weekends.

Quality Inn Hotel

This hotel is just a 5-minute ride from the city’s international airport and the downtown area. It was formerly named as Holiday Inn. The hotel is located at 1659 W. North Temple, Salt Lake City, Utah. For more information, call 801-533-9000. It is near tourist attractions as well as fine dining restaurants and shopping malls.

Comfort Inn

It is located at 200 North Admiral Byrd Road, Salt Lake City, Utah. It is close to various tourist attractions of the city’s downtown area such as the Trolley Square, Temple Square and the Miller Motor sports Park. It is also just a few minutes away from the city’s international airport.