The federal money direct loan program is nicknamed student loan forgiveness program. Originally named William D Ford loan program, it is commonly referred to as Obama student loan forgiveness program. All these programs and its benefits are only for the federal loan borrowers and not for private loan borrowers.
Having a person co sign your student loan can get you lower interest rates. There are options for student loans without consigner. Federal student loans do not require a consigner. The student can take it without a parent’s help or without a credit history. Private student loans usually require a consigner, especially if the applicant is below 21 years of age.
To procure a student loan without consigner apply for federal loan. Federal student loans do not require a co-signer, thus allowing a student borrower to avail a loan with having a credit history or a parent’s help. Fill out the FAFSA (free application for federal student aid) to find out if you are eligible for federal grants or scholarships. This application also lets you know if you are eligible for federal loan. Other than not requiring a cosigner, this loan also has lower interest rates and forgiveness programs.
Private loans do not offer forgiveness. To qualify for forgiveness, your loan should not have gone unpaid for more than nine months. Federal loan balance can be forgiven or reduced.
Public service loan forgiveness – If you work full time in public service (firefighters, teachers, nurse etc.), your student loan balance will be forgone or reduced. Only federal loans are eligible for this program.
Teacher loan forgiveness – Direct loans and Stafford loans are applicable for this program. Teachers who work full time for five consecutive years, can have up to 17,500$ in direct and Stafford loans forgiven (applicable only to teachers working in low income public elementary or secondary schools). This program eliminates your loan in half the time i.e. 5 years instead of 10 (compared to public service loan forgiveness).
Perkins loan cancellation – Borrowers of federal Perkins loan, who have worked in public service jobs, usually for more than five years, can have up up 100% of their loans cancelled. In many cases, your loans will be forgiven incrementally for each year you serve. However you must show proof of working in a qualifying public service job (i.e. teachers, firefighter, nurse, librarian etc.).
Income driven repayment – This program allows you to pay a percentage of your monthly income towards your loan, automatically forgiving your remaining loan balance after 20-25 years.
The popular 5 student loan agencies are the Federal Government, SallieMae, PNC Student loans, Wells Fargo and College Avenue.
Acquainting kids with the goodness of healthy food and cooking can happen anywhere, from the grocery store to your garden to your very own kitchen. What’s best, there is no right time for your kids to learn about cooking as every age group can adopt certain kitchen tasks based on their age and skill level. Check out some easy kids recipes children of varying age groups can make with your supervision and assistance.
5-7-year-old
Kids around this age can read and understand basic recipes. You could employ them to read out recipes for you or get them to help you measure different ingredients. You can also get your kids to beat and blend batters for eggs, pan cakes or brownies. Kids of this age usually enjoy kneading dough for cakes, pastry, tarts and the like. You could also get them to make their favorite meat ball recipes with appropriate supervision. With a small knife or a peeler, you could also begin teaching your kids to cut veggies carefully. Make sure you employ all necessary precautions before letting them handle sharp objects.
8-12-year-old
Kids who are 8 or above can substantially reduce your cooking burden. You could begin teaching them knife skills and introduce them to various dangers being reckless in the kitchen can pose. Children under this age group can single-handedly toss salads, whisk batters, follow simple recipes and even bake. This is also an appropriate time to introduce them to easy kids recipes like burgers, jellies, wraps, rolls, cheese pastas and the like. This is also the right age to involve kids in baking. They can be assisted to make muffins, cakes, sweet and savory pies, tarts etc.
12 years and above
Cooking can help teens to not only learn life-long culinary delights but also spend quality time with their folks. You may also plan a night out for your teens and supervise them with their friends in the kitchen. This is a great age for kids to be involved in the kitchen since 12-year-old can not only deal with complex recipes, ingredients and consistencies, they can very well improvise and utilize their creativity to round out a whole new meal. While kids this age are quite independent it is essential you continue to supervise their movements to avoid accidents. Some recipes that you could encourage your teenagers to make can be Spanish omelets, cottage pies, chicken gravy, homemade breads, puddings and the like.
A tire is the most important part of a vehicle allowing people to make a ride accordingly. It is an important one to determine the type of a tire before investing the money. Vehicle owners should focus more on keeping the tires in a good condition to avoid additional expenses. People who want to buy tires for the first time should give more importance to few things for making the purchase a valuable one. The features of car, truck, and Jeep vehicles may vary depending on the seasons. A vehicle owner should replace the old tires after prolonged use in order to avoid unwanted problems.
Buying a new tire involves several challenges and requires special attention for ensuring a smooth ride on the roads. Anyone who is in need of brand new tires should get more ideas about them from various sources for making investments accordingly. This will help a lot to pick the tires at estimated budges for enhancing performance levels of a vehicle. Some tires are a suitable one for all driving styles and conditions enabling vehicle owners to ensure more advantages. Nowadays, most customers want to choose high-quality tires for their vehicles for experiencing peace of mind.
The discount tires are now becoming a popular choice for many vehicle owners because they show ways of reducing more expenses. Several tire production firms offer cheap products through a wide network of dealers and auto workshops. In fact, they aim at rendering valuable services to customers with trained staffs and customer support teams. Nowadays, online stores and retailers provide opportunities for exploring different types of tires at low prices for saving maximum money.
Finding tires at the best rates online
Just Tires, a leading tire retailer has stores in more than 100 locations. The primary objective of company is to guide customers who want to purchase major brands at the best prices. Another thing it provides coupons for buying tires at very low prices and one can check them online to book a tire with choices. Besides that, it makes feasible ways for enjoying cashback offer on selected tires when buying them online.
It is a necessary one to check the validity of a coupon at the time of purchasing a tire. Vehicle owners willing to know more about Just Tires sale can search the details online for choosing the product at unbelievable prices for ensuring complete satisfaction. This, in turn, paves ways for comparing prices of tires with choices for making a right decision. Vehicle owners should buy tires from a store which waive shipping and other fees. However, it is advisable to read the terms and conditions of online stores for ordering a tire depending on the vehicle model.
Why discounted tires for vehicles?
Since the costs of branded tires are becoming an expensive one, many people prefer some alternatives for minimizing the expenditure. The discount tires allow customers to buy them at cheaper prices. Whether it is a performance tire, all-season tire, summer tire, or winter tire, vehicle owners can purchase discounted tires that exactly fit a vehicle. Those willing to book tires online can seek tips from customer support team for lowering the complications.
With discount tires, vehicle owners can get the best deals on a tire for accomplishing goals in the buying process. Guidelines are available for creating an account on a website which helps to receive the updates and other details quickly. A discount tire is an excellent option for replacing the old ones at affordable rates to ensure a ride without any difficulty.
The tires play an important role in enhancing the efficiency of vehicles by addressing essential requirements. In addition, they give ways of planning a ride with more comforts to gain more benefits. It becomes a simple one to explore discounted tires online to book them at lower prices. The wholesale tires are a better option for those who want to get the same features as branded ones.
The Helicobacter Pylori (commonly referred to as the H Pylori) are a family of bacteria which possess a spiral shape. They grow in the digestive tract of the human body and are capable of attacking the stomach lining.
Although these bacteria are pretty harmless, they are culprits of most ulcers occurring in the stomach and small intestine.
What causes the H Pylori infection?
Lack of sufficient bathroom hygiene is a big reason. Not washing your hands thoroughly after using the washroom can cause bacteria to enter your mouth from your hands. Consumption of contaminated food and water are one of the main reasons for breeding of the H Pylori.
Symptoms
Most people diagnosed with the H Pylori infection don’t show most or even any of the symptoms.
But if you do end up having more than 3 of the mentioned symptoms, it’s always advisable to consult a physician.
Burning sensation or pain in the abdominal region.
Nausea
Uncontrollable burping
Loss of weight
Bloating
Loss of appetite
Methods Of Diagnosis
Doctors may use the following methods to confirm their diagnosis.
Blood Test
The laboratory receives a specimen of your blood and tests are conducted to check for the presence of H Pylori.
Breath Test
During this procedure, you are asked to swallow a pill or a solution containing certain tagged carbon molecules. If your body does have the H Pylori bacteria, the ingested carbon compound will be decomposed by the bacteria and carbon is released into your body. You will then have to exhale into a bag, and the doctor using sophisticated tools will determine the result.
Stool Test
A sample of your stool is sent to the laboratory where analysts determine if you are infected.
Scope Test
This is the most complicated test of all. For this test, the doctor enters a long tube (with a camera attached to it “ endoscope) into your mouth, which runs through the esophagus to your stomach. The doctor looks for any irregularities in your digestive tract and can draw a conclusion based on the test results.
How to prevent attack of H Pylori?
Always wash your hands thoroughly before and after having a meal, and after using the toilet.
Only dine in clean environments. Keep your utensils clean while cooking.
If you’re in a sexual relationship, make sure your partner isn’t affected. Exchange of saliva is one way the H Pylori can be transmitted.
If anyone in your family has a history of the H Pylori infection, it’s always recommended that you get tested. Early detection is the key to eradicating all sorts of infection.
Strive to have a balanced diet: one with a proper proportion of proteins, fats, vitamins and minerals.