• July 26, 2017 /  Teacher & Students
    images17

    Ever since Credit 911 confirmed that we could settle unsubsidized student loans, we have spent quite a bit of time explaining what the difference between the two types of loans are.

    In short, subsidized student loans are when the Federal Government paid the interest on those loans while the individual was attending school. The Federal Perkins Loans are an example of a subsidized student loan. The interest rate is locked at 5% and the Federal Government pays the interest while the student attends school, there is a 9 month grace period following graduation, and an additional grace period during deferments.

    Perkins loans, however, are limited in dollars to those students who show the greatest need.

    Most students then turn to the Stafford Loan program for additional funding, these loans fall into our two famous categories Subsidized and Unsubsidized. Again, the subsidized Stafford Loan is based on need, while the unsubsidized Stafford Loan is not.

    Most Stafford Loans interest rates range from 4% to 6% depending on what year the student took out the loan. As an example loans taken in 2009/2010 were fixed at 5.6 percent while loans this year are expected to be 4.5%. For the subsidized Stafford the government pays all that interest during your education plus the 9 months discussed above. Additionally, students receiving subsidized loans must be minimally enrolled as a half time college student to remain eligible for the funding.

    Those that did not qualify for subsidized loans AND those that needed more money would move on to unsubsidized Stafford Loans. Neither subsidized nor unsubsidized loans obtained through financial aid require a credit check, no collateral was needed, what was most important is that you were somehow able to fill out the very complicated Free Application for Federal Student Aid, more commonly referred to as the FAFSA.

    The FAFSA is know for being long and complicated, but the good news is that if you happened to fill this out and you werent in terrible financial shape at the time you probably have a mix of subsidized and unsubsidized loans or all of your loans are unsubsidized.

    That should provide you with a basic understanding of the difference and borrowing guidelines between subsidized and unsubsidized student loans. However, for those of you who wish to know a little more about the “education maze” please visit us at www.credit911online.com/blog

  • July 23, 2017 /  Education & Study
    images5

    Energy costs are on the rise and shall continue to rise in the future too. A better understanding of ways to improve indoor air quality, energy conservation, lighting efficiency, water conservation, reuse and recycling is required for a greener and healthier environment. This will help in making the atmosphere eco-friendly and will also make households and businesses energy efficient; thereby helping to save the depleting resources.

    In order to create eco-friendly buildings and houses, one must possess green certification for building projects, construction processes, etc. The green building environmental certification program brings together consumers and certified building practitioners who have proper knowledge about green building techniques. The objective of a green certification program is to spread awareness in an eco-friendly manner that supports social and economic sustainability. The basic goal of green certification is to:

    Elevate standards of organizations through energy efficient designs.

    Enhancing capabilities of professionals and organizations to deliver energy efficient, sustainable building design and development technologies.

    Consumer health protection through increased public awareness, green knowledge and access to information about design and building practitioners.

    Enabling public and private sector officials to use Green Certification as a prerequisite or screening device during the contract bidding process.

    Today, consumers are becoming more aware about the environmental issues affecting their households, businesses and lifestyles. And therefore they are choosing green consultants, interior designers, architects, and builders to incorporate sustainability into their households and businesses to also reduce energy depletion in the civilization and nature.

    Green Certification and training aims to lower overhead costs through reusability, energy conservation and recycling. Adopting green is becoming a necessity as corporations and home builders, retailers, health care institutions, and others are going green for a better working environment. The benefits of green certification are countless including reduced energy dependence, fewer power plants, fresh air, clean water, healthier environment, increased sustainability, improved public health, decreased vulnerability to disasters, etc.

    Green education and training makes it crucial to understand sustainable strategies, conservation of energy, air, water, soil and other natural resources so as to implement green strategies in an organization. One can pursue certification courses like certified green designer, certified green specialist and certified IAQ specialist. With these specially tailored green educational programs one can have comprehensive and reliable information regarding indoor air quality, energy conservation, lighting efficiency, water conservation, recycling etc. This allows professionals to make a careful selection of healthy and eco-friendly materials, products and strategies for going green.

    About The Author:

    Author, Tina Chaphe is the founder of the National Association of Green Designers and the National Association of Green Specialists. BecomingGreen.Inc. is the training entity for those two associations and was founded and fueled by the desire to have quality green training in the design community. They have newsletters, news articles, Governmental and Regulatory updates, and blogs from leading researchers that will keep members abreast of breakthroughs in the Green industry.

  • July 23, 2017 /  Education & Study
    images2

    TIBCO SOFTWARE INC TB0-122 exam is regarded as one of the most favourite CertMagic.com. Many IT professionals prefer to add CertMagic.com TIBCO SOFTWARE INC TB0-122 exam among their credentials. CertMagic.com not only caters you all the information regarding the TIBCO SOFTWARE INC TB0-122 exam but also provides you the excellent study material which makes the certification exam easy for you. It is well known that latest TB0-122 Exam test is the hot exam of TIBCO SOFTWARE INC certification. CertMagic.com offer you all the Q&A of the TB0-122 real test . It is the examination of the perfect combination and it will help you pass TB0-122 exam at the first time! CertMagic.com is your premier source of TB0-122 test training. With our TIBCO SOFTWARE INC TB0-122 practice tests, no other TIBCO SOFTWARE INC will be able to compare to quality TB0-122 study guide. Our TIBCO SOFTWARE INC TB0-122 sample test is always updated to provide you the most actual information available and this is done with the help of our CertMagic.com professionals team of certification experts, technical staff, and comprehensive language masters who are always in-touch with the changes in the TIBCO SOFTWARE INC TB0-122 exam. So the true way for passing the TIBCO SOFTWARE INC certification TB0-122 study guide exam is to get in-touch with the free study guide, brain dumps and test questions that will lead to your certification success. Easiest way to get these certifications is to log on to the TIBCO SOFTWARE INC TB0-122 CertMagic.com and download the TB0-122 test questions to do TIBCO SOFTWARE INC practice exam to obtain your free TB0-122 exam certification. We are constantly updating CertMagic.com it certification training TIBCO SOFTWARE INC TB0-122 Exam. These TIBCO SOFTWARE INC TB0-122 Exam updates are supplied free of charge to CertMagic.com customers- hereby becoming an investment rather than a disposable product. CertMagic.com clients receive the most reliable and up-to-date information when they decide to take the exam, just contact us. CertMagic.com candidates walk into the Testing Room as confident as a Certification Administrator. At CertMagic.com TB0-122 braindumps page all the essential TB0-122 preparation materials can be found. This package includes TB0-122 braindumps, TB0-122 download, TB0-122 .pdf, TB0-122 torrent, free TIBCO SOFTWARE INC study guide, TB0-122 practice exam. More over these exams like TB0-122 exam are now continuously updating and accepting this challenge is itself a task. This TB0-122 practice test is an important part of TIBCO SOFTWARE INC certifications and at braindumps we have the resources to prepare you for this. The TB0-122 exam is essential and core part of IT certifications and once you clear the exam you will be able to solve the real time problems yourself.

  • July 22, 2017 /  Teacher & Students
    images1

    Students who choose to rent apartments in Berkeley, California have to decide between several housing options in order to find the best living conditions when away from home. Studying at an upper level University for many involves more than just choosing a good school to attend. Each student must weigh their own personal needs in community, privacy, or study options to find a place they can call home for their school year.

    Compare Housing Options

    Everyone has to start with the type of housing they are looking for. Some students will want to live on campus and others will prefer to live off. There are family units, suites, and apartments, either furnished or unfurnished. Then there are study halls and dining halls to look at. Since each student has its own unique set of needs, it is important to not casually skip this step. Your life at school will be demanding enough and you want to make sure that you are living in as comfortable an environment as possible.

    Decide if You Want a Roommate

    Choosing a roommate may seem like a fun option in the beginning but if you have never lived away from home before or you are used to a certain lifestyle a roommate can create its own set of challenges. Deciding to have a roommate will require that you weigh certain factors carefully. A year in a college student’s life can be drastically affected if their living conditions are not what they need to be. Ask yourself what kind of personality does your roommate need to have? What kind of compromises will I need to make? Or how much of an influence on my life will I allow my roommate to have? Asking these important questions can help you to decide if a roommate will be a good option for you.

    Consider Your Budget

    Finally, you want to consider your budget. Most on-campus student housing facilities will allow you to use your student financing to pay for your living accommodations while off-campus may not. Your budget will weigh heavily on your choice of living quarters. You want to make sure that you live in a facility where you will have the least amount of worry.

    Making these decisions may require an investment in time and thought, but when you consider these things before choosing your accommodations, you are likely to have a much happier and stress free student year. When you rent apartments in Berkeley, California whether on campus or off, you will find there is something for every type of lifestyle or every specific need; you can find the right match if you think the process through carefully.

    For more information on how to rent apartments Berekely CA, please visit our website.

  • July 20, 2017 /  Courses & University
    images13

    Technological advancements have facilitated governments across the world to archive data and records on online systems and devices. Massive computerization and perpetuation of Internet has helped many countries to move towards paperless economy. However, raising cybercrime and information warfare are threatening the basic utility of computers to store information. Countries such as United States, France and United Kingdom have large archives, which run into hundreds of miles. As such, Information security has become a major challenge for all countries.

    Researchers at Hong Kong Chinese University are exploring ways to store and encrypt information in bacteria. The research highlights the benefits of the emerging domain of bio storage, which deals with storage and encryption of information in living organisms. Usually, organizations use ethical hacking to find vulnerabilities and strengthen security infrastructure from data breaches. In this case, the researchers are endeavoring to store large datasets on E.coli bacterium, the familiar source of food poisoning. Earlier research primarily aimed to leverage the reproductive ability of bacteria, which may help in storing information in a group of single-celled organisms for hundreds and thousands of years. The young researchers at Hong Kong Chinese University are striving to devise mechanisms to store more complex information and overcome the limitations of storage capacity. The team of researchers has evolved a technique to compress and split data into small chunks. The mechanism allows distribution of data on various bacterial cells and also maps the DNA to easily locate specific information.

    The research reveals that one gram of bacteria may store information equal to that stored by 450 hard disks of 2,000 Gigabytes. The research comes at a time when Information security professionals in US are finding ways to stop further WikiLeaks type revelations. The team has also devised an encoding mechanism with built-in feature, which offers protection against possible data corruption by mutations in few bacterial cells. As bacteria are resistant to cyber-attacks, the path breaking research has showed a new way to secure information.

  • July 11, 2017 /  Education & Study
    images18

    No one knows learning better than a teacher. But what if youve got your teaching degree and even a job teaching? Is that enough? Like their counterparts in almost any field, teachers know that the higher the levels of education, the better are the opportunities for advancement, job security and a higher salary. But when are you supposed to do all that? Specialized online masters degree programs in education can really give your career a boost, without forcing you to drive back to the old college campus for two more years.

    The biggest question may be just which area of education do you wish to specialize in. There are a wealth of booming careers in education for which demand will continue to grow over the next 10 to 20 years and the best of them definitely require a masters degree.
    Special Education Teachers: Its true; there are positions out there that will let you work without a masters, but the better positions command salaries of up to $75,000 annually, that with a masters. Check the listings from Walden, Capella and Grand Canyon Universities that will let you get your masters degree online while still working at your current job.

    Education Administration: A masters in educational administration, management or even a Ph.D. in Administrator Leadership for Teaching and Learning is a terrific way to advance what you already love doing. Administrative positions can command up to $95,000 per year and you can study online. The programs weve looked at most closely are those from Capella, Walden, Keiser, and Strayer Universities. Each of them allows you to work toward your goals online while still maintaining your current career.

    Primary or secondary school principals: Nearly all of the degrees above can qualify you to work as a school principal where youll be earning somewhere between $70,000 and $100,000 annually. A Masters in Educational Leadership could be exactly the right move if thats where your studies lead you.

    Instructional and Curriculum Coordinators: Advancing education and lesson achievement has never been more important to todays schools and its all in the hands of the coordinators who lay out the vision. Coordinators can earn anywhere from $60,000 to $90,000 annually and there are a number of very good online only programs offered by Capella, Walden, Keiser, and Grand Canyon Universities
    A Masters in Education can mean a $9,000 to $15,000 difference in your starting salary and many states require continuing education to qualify for salary increases. Of course, this can vary a lot from state to state. But educators with a masters degree also enjoy a considerably higher level of job security to go along with the higher salary. Studying online for your masters in education can make all the difference to your career and you can do it while youre still working and without giving up your current schedule.

  • July 11, 2017 /  Courses & University
    images

    In the United States, education is offered by the government with state and federal funds. Millions of students enroll in Universities both Public and state, every year to get degrees in diverse subjects. Large public universities are sought after by highly talented youngsters as their degrees are widely acclaimed and respected, which would ensure a distinct edge in their employment prospects.

    Most of the universities have well trained faculties and infrastructure to ensure the best possible education. Universities churn out fresh graduates and professionals who would be ready to take up challenging assignments that match their qualification and expectations. Large public universities offer an impressive line up of academic programs to suit the changing needs of the society. For instance the University of Minnesota Twin Cities campus boasts as many as 50,000 students, learning various state of the art courses such as neurology, transplant surgery, material sciences and nanotechnology, and many more.

    It goes without saying that Educational universities have a key role in shaping the destiny of any society through a well informed generation. Educational universities play a larger than life role in the regional, economic and cultural progress of any country. The extent of research might also vary from place to place. Every year, many prestigious universities get millions of dollars by way of research grants and contracts. So, if you are looking for high end research programs and doctorate programs, pick up famous universities with all the infrastructure and federal backing that ensures nothing but the best. Make sure to get enrolled only in accredited universities as it could make or break your career. Many employers insist on certificates from accredited universities.

    State universities flaunting massive research budgets normally get 10 to 30 percent of their budgets from the state, where the university is located and the balance amount is mobilized through tuition and fees, grants and donations. As a fall out of these financing structure large educational universities, students also receive financial aids and grants to pursue their studies. However, in many universities financial aid to international students is inadequate.

    Large US educational universities often would have substantial international students and faculty populace. For the benefit of these students most of the universities offer support services including run special courses such as orientation to American culture immigration and visa advising, and Spoken English among others. Various programs and workshops on useful topics like effective communication are also offered for international students.

    If you are a self driven student who wants to make it big in your life all you need to do is to investigate the opportunities galore in higher education.

  • July 9, 2017 /  School & Schoolarship
    images17

    Looking for a scholarship requires a lot of time, and sending your applications is more time consuming. If you want to search and apply for a grant easily, then a scholarship search program will be useful for you. This article will be showing you how this program can help you find the right educational grant for you, and how it will speed up the process of sending your applications.

    Scholarship search is a program that will allow students like you to create a profile, which will be used to help them find the most suitable educational grants for them. This program is free to use, and will never ask for any crucial information from you. All they need are the information regarding your skills, achievements, and other related things that will help them find the right program for you.

    Once you have submitted all the required information, you can sit back and wait for an email notification regarding all the available grants that may be suitable for you. This is a very useful program, because it will help you search for grants online, while you continue your search using other methods.

    Scholarship search uses a massive database that contains all the information about the educational grants available online. The information that you will be giving will be used to pick the best program for you. Did you know that there are millions of grants available online, and finding them all by yourself can be very time consuming.

    Unfortunately, due to the large number of grants available on the Internet, scholarship search cannot determine the legitimate grants from the scams. Like search engines (Google and Bing) these programs will only give you a list of all the grants for school related to the information you have given them. Make sure that before you send an application for a scholarship, you have conducted a thorough research about the program. This will help you avoid getting scammed or worse getting your personal information stolen.

    If you were able to use this program properly, it will help you increase your speed of applying for scholarships by 100%. You can continue searching for scholarships on your own and simply wait for the email notification whenever they find a suitable educational grant for you.

    Many places offer scholarships just for being in a specific group. Take just a few minutes to get a scholarship just for being a aspiring student. That’s money that does not have to be paid back. Here it is, Dedicated Scholarships and it’s free.

  • July 8, 2017 /  School & Schoolarship
    images11

    The DSW school program is the Clinical Doctorate in Social Work program. The degree is designed to prepare students for advanced clinical practice as well as university-level teaching and research. The Clinical Doctorate in Social Work is geared toward the clinical practice and university-level teaching career path. One also can focus on social welfare as well as scholastic studies and research.

    Penn Social Policy & Practice is a school in Philadelphia, PA. They are dedicated to contributing to the advancement of more effective, efficient, and humane human services through education, research, and civil engagement. This has been around for approximately one hundred years and has an excellent reputation. Penns Clinical DSW program is one of the most unique programs in the US. The program is geared toward working professionals. University of Penn offers an intensive, accelerated program that allows students to satisfy all degree requirements, including the dissertation, in three years with minimal disruption in their current career.

    A few other reputable institutions you can attend that offer the DSW school program are the Columbia University School of Social Work or Hunter College School of Social Work in New York City. The Columbia University School of Social Work offers doctoral studies and advanced courses. Many graduates of the DSW program attend this school with their focus on research, administration, and policy analysis. The Hunter College School of Social Work is a public institution offering a diverse selection of Social Work degrees. It was established in 1958 and accredited through the Council on Social Work Education. Most graduates from the MSW and DSW programs offered attain positions as clinicians, educators, administrators, policy makers or researchers. Both school programs take roughly two to three years to complete the PhD program for social work plus additional time for writing the dissertation.

    Remember, the doctoral degrees offered by these educational institutes in the field of social work are intended for experienced practitioners seeking to further their careers through more in-depth training in research and policy analysis. Social work practitioners who are looking to move into research and teaching often choose this program. However, some students enter the program with the goal of continuing in leadership roles in either agency-based or self-employed social work practices. Often times these individuals will still teach part-time in a school or a department of social work while collaborating on research with their academic colleagues.

    The DSW school program offers exciting advancements, and you can take advantage of the program at many colleges and universities throughout the United States.

  • July 6, 2017 /  Teacher & Students
    images21

    Students are always looking for the best travel deals so that they can travel around, relax their minds and enjoy their vacations but by paying a little sum of money. The students are such people who usually do not have much money and they would want to save as much of their money as possible. These students can easily purchase their travelling tickets from the online travel agencies in order to get the maximum discounts and other great services which allow them to save money while still enjoying the trip to its max. The students can easily get the cheapest tickets to their favorite destinations and can also get the cheap hotels and many other tickets for the best places and events going on at their favorite location.

    There are great and huge discounts offered to specially the students by the online travel agencies and they also offer them with heavy sums of the cash rewards which the students can use for purchasing different items or the tickets of different events or shows. These cash rewards are usually very high as compared to the amount which they have paid at the start. There are also some companies that offer the $500 cash back program which is perfect for the students as they only have to pay for example $100 and for this payment they can get cash reward of $500. This means that they not only get their own money back but also get a reward in form of the cash worth 400 dollars. This extra cash can be easily sued for purchasing different items such as the iPods or other items that are needed by these students. They can also use them for going to any particular location such as they can have the free tickets for the ski spot and can have the maximum fun without actually paying anything for the ski.

    With the help of these rewards, the students can also stay at the hotel of their choice for free and can move around the city by paying nothing to the car rentals. They can have tickets for different place in lesser amount and can stay in the best places of the town. The cash can be used for also dining at the greatest restaurants of the town and for the best shows happening in the area. The students are very important for any nation and their comfort is also very much important. This is the reason that the travel agencies have offered huge discounts for the traveling of these students.