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.

The Advantages and Disadvantages of International Money Transfer Online Services

Advantages and disadvantages are attached to everything on the planet Earth. As far as money sending concerns; although the advancements in IT have made it possible to send money online in minutes, yet the dark side of the picture can not be overlooked along with appreciating the bright aspects. At first, let us take a view of the advantages of international money transfer online services:

  • The first and the most prominent benefit we get from these services is the rapidity. Gone are the days when people had to wait for weeks for transaction of money. At present, you can transfer money online from one place to another in minutes.
  • Various banks have featured power transfer, which enables you to track the money online whether you are a recipient or a sender of that money.
  • Lots of banks have featured remittance. With the help of this feature, you can receive money in your local currency and use right after you receive it.
  • Another benefit is that you can send money straightly to bank accounts via online banking now-a-days.
  • Online money transfer services have provided a platform to online business-groups where they can move fast and grow rapidly without wasting time in the formalities of sending money offline like waiting for the checks to clear.

Having walked through the advantages which online money transaction offers, now let us turn to the disadvantages it bears.

  • The weightiest disadvantage is the transfer fee taken by international money transfer online services. You must have to pay some fee to them, otherwise it is impossible to utilize the services.
  • Sometimes involvement of credit card and debit card in online money transfer leads to losses. In other words, you money is not hundred percent secure in process.
  • Some websites are used to keep money temporarily in case money is not sent directly to bank account. The user passwords for these websites can be hacked by hackers resulting in the loss of money.
  • When you send money online, you have to face the technical difficulties of the process.
  • You have to be patient because long queues are quiet usual in online money transaction.
  • The quick transaction in debit cards causes difficulties in recovering lost funds.

By and large, online money transfer services are neither from heaven nor from hell. In spite of all their advantages, lots of people rely more upon offline money transaction. And in spite of all their disadvantages, a huge percentage of the world population utilizes international money transfer online services on regular bases.

How to Find an Audi Concept Car

People who love cars they always dream of buying a concept car. Concept cars are stylish and radical looking cars that are showcased at motor shows by the car manufacturing companies such as Audi to understand what the reaction of the people who view it. Audi concept can be seen at various motor shows that take place across the globe.

Concept automobile never go into production. However, after the automobile manufacturing company goes through the customer reaction, necessary changes such as design modification, cost, etc are done and then the car is finally released in the market. The reason why people love concept cars is because it not only looks radical but also have powerful engine. There are plenty of Audi concept vehicles such as Audi S5 Concept, Audi Q5 Audi Locus Concept, Audi A3 TDI Clubsport Quattro Concept, Audi RSQ Concept, and Audi Q5 Cross Cabriolet Quattro Concept.

Here are some tips that will help you understand where you can find a concept car from Audi:

  1. Start your web browser and open your search engine and search for concepts from Audi. You can type 'Audi concept car' in the search engine. The search result will show you a complete list of website that sell or review concept automobiles from Audi. You will also come across websites through which you will come to know the schedules of the forthcoming auto shows. If you are primarily interested in concept cars from Audi, you can visit websites that exclusively sell and review concept cars of Audi.
  2. If you open the dedicated website for concepts from Audi, you will be able to view the specifications of all the concept cars Audi has produced. Moreover, you will also be able to download amazing wallpapers and screensavers on your desktop. Once you have found a good website that reviews all the major and famous automobile from Audi, you can start reading the reviews to understand the pros and cons of each concept car.
  3. If you want to see the concept cars physically, you can visit an auto show to check out concept cars from all the major car brands
  4. You can even check out the local newspaper to learn about the upcoming auto shows.
  5. You can visit the official website of Audi and there you will able to find new and updates of the upcoming car shows.

Why should you visit a concept auto review site?

The answer is pretty simple. Through the reviews you will be able to understand the features of the car. So when you visit a car show in person and if you happen to come across a car of which you have read review, you will able to decide which car present at the auto show is the best. Keep in mind that the concept automobile that is designed for auto show is not assessed for safety and road specifications. Here, many people do not buy the Audi concept automobile right way the moment they say but wait for the car to release in the market.

Domain Name – 3 Reasons Why You Should Have Your Main Keyword in Your Domain Name

A good domain name provides a great deal of value for your organization and there are many different reasons why this can make a difference for your online business. One of the best ways to capitalize is by placing your main keyword in the domain name itself. This can give you a head start in your quest towards successful online business development.

Here are 3 reasons why you should have your keyword in your domain name.

1. Immediate SEO. Having your keyword in your domain name is like an immediate SEO boost. You are automatically going to have an edge on other websites who do not include keywords in their domain name. The more places you can put your keywords the better, and no place is more important than your domain name because its power transfers to every page on your site.

2. Advertising. Using your keyword in your domain name is giving you an opportunity to advertise to people and entice them to click on your link. When people see what your website is all about, they will instantly give more credibility and recognition to it if it matches what they are looking for. Therefore you'll be able to drive more traffic to your site just by having your URL displayed.

3. Targeting your Audience. It's extremely important to target your audience and to attract the right kinds of people to your website. Including keywords is another easy way that you can complete this task for your online business. If your website domain is "JoesStore", nobody is going to know what your website is about. However, if your domain is "JoesDiscountTools", then people will immediately know what to expect from your site and you'll be able to target your audience far more effectively.

Do you want to learn more about creating and developing an online business, especially if you're a newbie? We have just completed our brand new guide on the basics of website design.

Download it here: Basics of Website Design