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Financing A College Education

 by: Kelly Gillis

So your teenager has decided to go to college. You’ve hoped for this day. You sweated through 12 years of school with your child, and have been an active participant in his/her education. You’ve been saving for this day for years, but with all the other “incidentals” of daily life, car expenses, medical bills, that new roof, the money you had hoped you’d have is not there. What you have is not quite enough for that four year private college he/she is interested in attending, and you don’t want a home equity loan. What to do?

Today there are many federal and private loans available to help parents and students pay for college expenses. There are also billions of dollars in scholarship aid and grants available, you just need to know where to look. Some of these monies come directly from federal and state governments, others are from private sources. Generally, scholarships and grants, which do not have to be repaid, and are based on the student’s ethnicity, financial need, intended major, and GPA and SAT scores.

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The first course of action would be to try to obtain a college scholarship or grant. There is grant money available through the federal government Pell Grant. To apply for this grant, the student must complete a FAFSA, or Free Application for Federal Student Aid. The amount a student receives is based on the actual school cost and the amount the family will pay. The student could also check with his or her high school guidance counselor. The guidance counselor will know what scholarships are available if the student will be attending a college in the local area. Check with local community organizations and local businesses for possible scholarship availability. Another place to search for scholarship money is the college that you are interested in attending. Most colleges have what are called institutional awards. You can check the college website or catalog for these.

There are loan programs available to the parents, or to the student, at generally low interest rates. One federally funded loan program for parents is called PLUS Loans. Under this low interest loan program, parents can borrow up to 100% of college costs and the interest may be tax deductible. There is no collateral necessary and no pre payment penalty. The Federal Stafford Loan is a low interest loan made to the student. This is a deferred loan, meaning that loan payments may not start until the student graduates.

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When your child dies

 by: Rose DesRochers

Children are the most special part of life. Losing a child is something that few really understand. Even a brief life offers so much that is special. My Daughter Katie Lindsey Rose, died July 1992. She was just five weeks old. I held Katie after she died and can never, would never, forget Katie as a person or my daughter. I also found out how hard it is for so many to talk about the death of their child.

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Many people find it easier to talk about the death of your mom, dad or your wife or husband than their child. But, this is often a time that you do want to talk or share feelings. You often get from people she doesn’t want to talk about it. But it helps to talk. After your child dies you have feelings of disbelief, denial, anger, depression, hopelessness, guilt. Loss of appetite, sleep patterns change, we cannot get through the mourning alone. It is important to talk about the death, what you re feeling and it s ok to cry.

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The doctor came into the room. The operation was over. He sat down and started to tell my husband and I about the surgery. The surgery was over but during the surgery there was a blood clot that burst and Katie died instantly. How could I go home without my baby? Shock was not the word for what I felt. Katie’s been gone 11 years now. I remember just after she died everyone was right there offering to help me. (Now I’d be lucky if they remember). Then the people stopped coming, calling, I would see people in the grocery store, and they would look at me, turn their head, and walk off, as if I had something contagious that they could catch.

I remember a mother had her baby the same time as Katie. She said to me,” I’m so glad it was not my daughter”. My oldest daughter is growing up and it’s starting to get scary cause I know Ill never see Katie get married or have children. I feel Angry, like I have been let down by Katie. Its normal to feel let down by the person who died or when you are looking for someone to blame for his or her death.I blamed God for the longest time and I blamed myself.

Anger is very common following the death of a child. In fact following any death you may find yourself angry, angry at the world. You will often find that you take out this anger on those closest around you. You find yourself saying my child should not of died.

How do you imagine life without your child? “They were too young”, “They were too good”, “They were too healthy, “They never sin” “Why God Why? , “I can’t survive without him or her”. All of these are common feelings. Your fear is, you are afraid it will happen again, that you will loose another child or someone close to you. You begin to be a little over-protective of your other children.Please know that you are never alone, It’s ok to say I hurt, to say I’m scared, to say I need a friend. No matter how old your child is when they die, the pain of loosing your child is still the same. Its very difficult for most to find the words of comfort to say to you, but there are places you can turn, people you can talk to when you feel your loosing it. You can’t do this on your own.

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Katie had suffered from congenital heart disease, Congenital means inborn or existing at birth. Among the terms you may hear are congenital heart defect, congenital heart disease and congenital cardiovascular disease. The word “defect” is more accurate than “disease.” A congenital cardiovascular defect occurs when the heart or blood vessels near the heart don’t develop normally before birth. Katies’ story is just one of a million parents’ stories out there. As I surf the net I found so many, but there is help.

About The Author Rose DesRochers is a published author of She is like the wind and owner of todays-woman.net one of the most popular writing communities on the net. admin@todays-woman.net

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Online Associate Degrees

 by: Mark Freeman

If you have not completed any college or university education after high school and are thinking about getting an online degree, one of your best options may to be to consider an online associate degree. These programs are readily available, come in a wide variety of choices, and generally take about half as long to complete as an online bachelors degree. Best of all they are usually half of the cost.

If you are considering moving in this way towards an online degree then look for accredited programs. Accredited programs can be transferred for credit at any college or university and that s important because you may want to go back and get your bachelors or even masters degree at some point in the future. An unaccredited degree may prove to be worthless, so choose your program carefully.

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Here are a few college level programs that you might wish to consider for your online associate degree.

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American Intercontinental University is an international university with campuses in Georgia, California, Texas and Florida in the United States, as well as England and the United Arab Emirates. AIU Online offers distance learning programs that grant accredited bachelor, masters, and associate degrees in Business Management, Healthcare Management, Marketing, Criminal Justice, Visual Communications, and Education. AIU Online programs and degrees are accredited by the Commission on Colleges of the Southern Association of Colleges and Schools.

Ashworth College is a nationally accredited distance learning school that promises to provide you with online classes supplemented by authoritative textbooks and study guides that are mailed to your home. They offer online associate degree programs in Criminal Justice, Business Management, Health Care Management, Computer Information Management, Accounting, Paralegal Studies, Early Childhood Education, Human Resource Management, and Psychology.

National American University is accredited by the Higher Learning Commission to grant bachelor and associate degrees online. They offer online associate degree programs in Applied Management, Business Administration and Information Technology as well as an Associate of Science Degree in General Studies.

Crown College offers an online education that combines the traditional arts, sciences and humanities with the professional disciplines related to these fields. Their online Associate of Science degree in Criminal Justice program provides the graduate with the capacity to compete for jobs in Law Enforcement, Community Corrections, Prison/Jail Officer, Private Investigations/Security. Their online Associate of Science in Paralegal Studies degree provides the graduate with the skills to compete for jobs as a Paralegal, Court Clerk, or Judicial Assistant.

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A prison cell?

 by: Graham and Julie

Do you have a goal? A focus in life? Have you invested a great deal of time, effort, money to achieve and yet feel you haven t made it yet? For all your effort do you still feel that there is something missing in your life? It is obviously very important to set goals in your life. It gives you a focus a way forward a mechanism for making decisions when faced with a number of options. However, it can also be a prison cell.

How can making goals and having a focus be a prison cell we hear you ask. It becomes a prison cell when you create goals based on your past experiences. You look back at your skills and capabilities and then decide what you ought to focus on. In other words you set the future on the past. It creates the illusion that you are going forward when all the time you are stuck within the boundary of your past capabilities. It s like driving your car by looking in the rear view mirror all the time. You have a great vision of what happened in the past but haven t a clue about what is coming in front of you. The point is: whatever happened in the past is not a true indication of your potential.

As Alan Cohen stated: “To grow, you must be willing to let your present and future be totally unlike your past. Your history is not your destiny.”

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In other words if you continue to do what you have always done then you can only expect to get what you ve always got. If you constantly focus on the past, the negative or on what is missing in your life you have no alternative but to create limited goals and focus. You are back in that prison cell again.

You need to break the cycle. How do you do it? You change your thinking.

To give yourself the chance of changing your thinking. A chance to create the life you want. A chance to create a focus and goals that you want to achieve. Start by answering the following questions. They are not easy, but they will enable you, in time, to become very focussed.

Where are you now? Where are you in life?

Describe your current situation.

What are your priorities in life?

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How important are your close friends and relations to you?

What influence do you have on your partner s life? How do they influence you? Do you like this?

Do you like where your life is going?

Where do you want to go?

What is success to you? When you are on your death bed looking back at your life what would you like to think your life was about?

Visit the questions often until you feel you really understand where you are now and where you want to go. How you get there will become obvious as you progress. Don t rush, you have plenty of time. Keep focussed inside, on yourself. Think of yourself as opening a bank account of the self. The more time you put in, the more credit appears on the bank account and therefore in time the more is available for withdrawal.

Now the crucial question:

What holds you back? What stops you going for what you want to achieve in your life?

It is not enough just to create a focus and a plan. To understand where you are now and where you want to go. To change something you have to DO SOMETHING. Put your plans into action. Until you have put your plan into action, you haven t changed. You are still doing what you have always done.

Become a member of the 20% club. That s the percentage of successful people in the world. Put your focus into action. It s your focus, you have thought it, designed it and built it, now have the enthusiasm, desire and aim to implement it.

Change the I can t into I can. Think for a moment. Is this fear real? Or is it that your imagination has taken over, stopping you from embracing the future? Because, at the moment, you have no evidence of what is going to happen. The only evidence you have is in the past. And as you have not done this before, at this time, then you have no evidence.

Don t worry about your capabilities. Can I do this? I have never done anything like this before? What will I do when .? There is something magical about this process called life. Whenever we are faced with an incident we have never faced before somehow the answer arrives. Somehow we have the capability. They appear just when you need them most. If you look back over your life we are sure you will find, like us, that most of the time you set out to do something you didn t have the capability before you started. The biggest example is education. When you started did you know all the knowledge you had at the end or did you become capable as you went along?

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All you need is courage, enthusiasm and discipline. Have the courage to drive towards your goals, the enthusiasm to keep going and the discipline to create a new habit even when it is tough. Keep focussed, keep learning.

The victory of success is half won when one gains the habit of setting goals and achieving them. Even the most tedious chore will become endurable as you parade through each day convinced that every task, no matter how menial or boring, brings you closer to fulfilling your dreams.

Og Mandino

To give yourself a better than average chance of success. Each night before you go to sleep ask yourself: What did I do today to bring me closer to achieving my focus, my aim and objective in life? Break out of the prison cell.

Good Luck

Graham and Julie

www.desktop-meditation.com

About The Author Graham and Julie To see more of our work please go to: www.desktop-meditation.com graham@desktop-meditation.com

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A certain educator was once asked at what point should a parent begin to prepare for child raising.

“How old are you?” the educator inquired.

“Twenty-three.”

“You should begin twenty-three years ago.”

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What is the message? The single most important thing a parent can do to educate a child is to provide the child with a good role model. A parent has to work a whole lifetime becoming the type of person that he wants his child to become.

The most important people in the world in the child’s eyes are his parents. They are his first and most important teachers. The behavior of a child’s parents leaves a permanent impression in the child’s subconscious mind. Why is this so? The reason is that the most reliable source of priorities and values in a child’s eyes is his parents. Children have an innate trust in their parents. They feel that everything their parents say and do is the true and proper way to behave.

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We all wish our children would do what we say and not what we do. However, this is not how the mind of a child works. The intellect of a child is undeveloped. As a result, children function an emotional level, absorbing more from what they see and hear around them than from what they are taught.

What is the take home message? The main thing for you to realize is that you have far more influence on your child than you probably realize. Your child is going to pattern himself after you. That is how nature set it up. Your job as a parent is to be the best role model that you can be. True, it is hard, but that is the way it is.

The following is a story I heard recently that brings out the extent to which your child learns from your actions.

A certain kindergarten teacher once warned a group of parents to be careful how they behave in front of their children.

“By the way your children play in school,” she said. “I know which of you treat each other respectfully. I know which of you use foul language at home. I know everything about how you behave in your home by the way your child plays, talks, and behaves.”

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Remember, you might think that everything that goes on in your home behind closed doors is hidden from the world, but it is not. Your child sees everything. Your child is going to take your behavior and broadcast it to the world. Make sure that what he is transmitting is something that you want the world to see.

Anthony Kane, MD
ADD ADHD Advances
http://addadhdadvances.com

About The Author

Anthony Kane, MD is a physician, an international lecturer, and director of special education. He is the author of a book, numerous articles, and a number of online programs dealing with ADHD (addadhdadvances.com/childyoulove.html) treatment, ODD, parenting issues (addadhdadvances.com/betterbehavior.html), and education. You may visit his website at http://addadhdadvances.com. To sign up for the free ADD ADHD Advances online journal send a blank email to: subscribe@addadhdadvances.com?subject=subscribeartcity
akane@addadhdadvances.com

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