•Take Tax Credits on College Costs
In the U.S. there are certain tax credits that are available for people who have paid expenses for higher education. These credits are referred to as the American Opportunity Tax Credit, the Hope Tax Credit, and the Lifetime Opportunity Tax Credit. It is important to understand the distinction between a tax credit and a tax deduction. With a tax deduction the amount in question is subtracted from a person’s income. So for an income of $50,000, for example, a tax deduction of $2,000 will lower...
•College Student Loan Deferment
This article will talk about college loan deferment in general as well as major kinds of deferment designed for federally supported student education loans. There's a chance you can qualify to obtain some sort of deferment for a private student loan, although that's strictly up to the particular lender. The actual borrower doesn't have a right to a deferment as they do with a government loan program, and that's yet another legitimate reason to avoid private student education loans if at all...
•Federal Student Loan Consolidation- Repayment Options
There are a number of options available to repay your federal student loans. The one you choose will depend on your income and how much your income is likely to change in the future. You can change between plans every year if necessary, sometimes more often. Contact your lender if you wish to change your federal student loan consolidation repayment plan.
Let’s discuss the repayment plans available for federal student loans.
Standard Repayment Plan
If you can afford this plan, it is the best...
•Cut College Costs- 32 Possibilities to Explore
These tips apply to anyone who plans to attend college or who is already enrolled. At least two-thirds of college students need to take out college loans to finance their education, and these loans take many years to pay off, anywhere from 10-30 years in most cases. If you can cut the amount you need to borrow, your lower student loan balance will be easier to pay off.
1. Check with the education office of your state government to see what sorts of scholarships, grants, or loans are available...
•Student Loan Repayment Using OPM (Other People’s Money)
This article is an overview of ways to have other people make student loan repayments for you, or at least of portion of them. These programs aren’t for everyone, but the shoe probably fits quite a few people.
Join The Military
The SLRP (Student Loan Repayment Program) is used by the military as a recruiting incentive. The Army and Navy can repay up to $65,000 of student loan debt, and the Air Force will pay up to $10,000. 15% of the loan balance or $500 is paid each year, whichever is...
•Student Loans- Some Basics
Thinking about getting a student loan to help pay for your college education? You’re not alone. About two-thirds of all people attending public and private colleges and universities take out student loans. This is a necessity because the cost of higher education has soared in recent years. The Project on Student Debt reports that for 2007 graduates, the average student borrower graduating from a private institution had a student loan debt of $25,700, and the average graduate borrower in a...
•Article Series - How to Cut 10 Strokes Off Your Game Using Medicus
This is a series of articles the goal of which is to help golfers improve their game by a significant number of strokes using various Medicus products and following the advice given in the articles.
But first we need to set some baselines. It may not be out of the question for a golfer who normally shoots 100 to improve his/her game by 10 strokes and start averaging 90. Of course this would be a huge improvement, and any golfer who shoots these kinds of scores would probably be thrilled with...
•The Medicus Trainer and the Stack and Tilt Golf Swing - How Do They Work Together?
This article will explain how the Medicus trainer golf club facilitates the famous Stack and Tilt golf swing that has been very popular in recent years. In fact about a couple of dozen PGA Tour pros have adopted this swing technique. But first of all we need to discuss what the Stack and Tilt golf swing is and subsequently what are its advantages and disadvantages.
The Stack and Tilt Golf Swing
In a nutshell, the Stack and Tilt golf swing advocates that a golfer’s weight should remain toward...
•Stack and Tilt Golf Swing - What Does That Mean?
There has been a lot of talk over the past few years about the so-called stack and tilt golf swing. Apparently about two dozen PGA Tour players have adopted it, including some champions like Rick Weir and Zach Johnson, as well as Aussie Aaron Baddeley, among others. This article will explain where the terms stack and tilt come from and what is going on with this approach to the golf swing.
So What’s With “Stack and Tilt”?
It is really a catchy little phrase that has worked well for the people...
•The Medicus Driver- Can That Crazy Looking Thing Work?
Most golfers have seen videos about the Medicus driver, usually featuring Tour pros like Mark O’Meara, Camilo Villegas, or other golf celebrities, including Hank Haney, swing coach for Tiger Woods. I’ve always wondered if that crazy looking thing actually worked. The curiosity built to the point where I gave it a try.
The First Swings Cause Concern
The first sensation is that the club head is quite heavy. I didn’t expect this and it felt funny, but since this is a practice-only club, what’s...
•GPS Navigation Portable Features - Which Do You Need?
GPS portable navigation systems have become extremely popular in recent years. As with any electronic device, when making a purchasing decision about which brand or model to buy, one needs to understand the feature sets being offered and decide which features he or she needs and which they want to pay for.
Here is a list of many commonly available features on different brands of GPS navigation portable systems:
Widescreen- 4.3 inch or larger screen measured diagonally (vs. a standard 3.5 inch...
•Silk - The Basics
Silk in History
For thousands of years silk has been a highly esteemed fabric. It was invented some 5,000 years ago in China, and for about the first 2,000 of those years the secret of producing silk was guarded and remained in China. Finally silkworm eggs and the knowledge of how to produce this textile were smuggled out of China and spread to many places around the globe. Silkworms are actually domesticated insects, and their scientific name is Bombyx mori, sometimes shortened to B. mori....
•Golf Drivers - Distance, Distance, And More Distance
The driver is considered the second most important club in the golf bag after the putter. This is because it can normally be used 14 times per round on a typical par 72 golf course, and more importantly because the tee shot sets up each hole. An accurate drive can make the rest of the hole seem easy, while a drive that is off line and in the rough, fairway trap, or behind a tree or in a water hazard can cause enormous problems and make par almost impossible.
Golf Driver Evolution
Golf drivers...
•Solar Panels- Are They Right For You?
Solar panels are devices that convert light into electricity. Solar panels are dropping in price, but they still are not cheap, so if you're switching to solar it's a great time to also carefully evaluate your electricity use. Call your utility company and get an “energy audit” and follow the recommendations. Most homeowners can cut their use of electricity or gas by anywhere from 5% to 30%. By cutting your power usage to an absolute minimum you can purchase only the expensive solar panel...
•Fragrance Supplies Needed For Candle Making
Candle making is a very popular hobby. Getting started is quite easy, and you can readily obtain the needed materials and start creating some candles in very short order. Like anything else, one needs to learn the ropes a bit, and if your mold isn’t clean, or if the temperature of the wax is too hot or cold, the candles won’t turn out just right. But with a little experience a person can be making very professional looking candles. One of the more popular types of candles these days are...
•Candle Making Essential Oils - It Only Takes A Few Drops
Candle making is a popular hobby, and one can find the materials necessary to get started either at a local hobby shop or on the internet. A couple of excellent on-line sources will be mentioned below. After you get used to making some candles you’ll quickly want to start adding color as well as fragrance. For the latter you will need to procure some essential oils to add your desired scents.
The Choice of Fragrance to Use in Your Candles
You may simply have a favorite aroma that you want to...
•Planning Considerations For Hosting A Baby Shower
If you will be hosting a baby shower you will need six to eight weeks to prepare. The best idea is to get everything possible done at least a week in advance and save the last week for "surprises" that come up. You will need to decide what the makeup of guests will be (coworkers, family, friends, couples, combination of the above?), and what the date and time of the event will be. You will also need to set a budget, decide whether the affair will be formal or informal, choose menu items, and...
•Putting Principles Of Dave Pelz
In his book "Putt Like the Pros", the well known and highly respected short game guru and teacher, Dave Pelz, makes some interesting points that every golfer should be aware of. This article will discuss a number of these observations which will hopefully put the science of putting into better perspective.
As a young college student Pelz had aspirations of being a great tour player, and he played college golf at Indiana University in the Big 10. As time went by he became more and more...
•Taylor Made Golf Putters
Although Taylor Made is mainly famous for its drivers, fairway woods, and hybrids, the company does have an interesting line of putters. There are 10 putters offered, and one of the unique features on them is the Rossa insert which uses a technology called AGSI which stands for Anti-Skid Groove System Insert. This 14 groove insert can actually be applied to any putter, and it has been shown that simply adding the insert on the face of a putter will produce less skid, and the ball will begin to...
•The Detour Line Of Putters By Scotty Cameron
This article will describe the Detour line of putters by Scotty Cameron.
The Scotty Cameron line of putters from Titleist is a very extensive line. The Scotty Cameron company merged with Titleist about 10 years ago and since then all the putters marketed by Titleist are designed by Cameron. All the brand names associated with Scotty Cameron putters are owned by Titleist. Cameron's designs are esthetically pleasing, and some of his putters almost look like works of art or sculpture.
The...
•Odyssey White Hot XG Golf Putters
The Odyssey White Hot XG golf putters product line is only one of several lines offered by the Odyssey company, but it is extensive in itself with 18 different models to choose from. These break down into two groups, the Core Models which account for 11 different putter types, and the Progressive Models, which consist of 7 types of putters with more modern shapes and design features.
All of the Odyssey White Hot XG putters are based on an advanced putter face insert technology which is...
•Nike Hybrid Golf Clubs
Nike Hybrid Golf Clubs are available in two versions of two different models, for a total of 4 product lines. These include the Slingshot Hybrid and Slingshot Tour Hybrid, the CPR3 Wood and CPR3 Iron-Wood. This article will review the attributes of each of these hybrid golf clubs.
Slingshot Hybrid and Slingshot Tour Hybrid
Both of these clubs have an MSRP of $199 US for either steel or graphite shafts. The Slingshot Tour is targeted for low handicap golfers, and the Slingshot is for less...
•Ping Hybrid Golf Clubs
There are two product lines in the Ping hybrid golf clubs lineup. These are called the Rapture hybrids and the G5 hybrids. The Rapture is the newer of the lines, and as you will surmise from the discussion below, Ping club designers were working to obtain a center of gravity (CG) that is lower and farther back in the club face to make the ball easier to get up into the air.
Rapture Hybrid Golf Clubs
Three different materials are welded together to make the Rapture club head. The body of the...
•Callaway Hybrid Golf Clubs
There are three different product lines in the Callaway hybrid golf clubs lineup. These align with their sets of woods and irons. They are the FT-Hybrids, X-Hybrids, and Big Bertha Heavenwood Hybrid lines. The attributes of each will be discussed separately.
FT-Hybrids These clubs fit into the Fusion Technology line in which different materials are fused together to alter the club head characteristics. In this way weight can be redistributed to achieve certain goals. More weight is placed...
•Clone Golf Clubs- Are They Worth It?- Part 1
Why would anyone want to use clone golf clubs instead of the real brand the clones are mimicking? Obviously the answer is to save money, and that is understandable. Drivers can easily cost $400-500, and some hybrids cost over $200 each. These days a good set of clubs can be a significant investment, so there is certainly a temptation to save money if at all possible. How might one approach this using clone golf clubs?
Three Ways to Purchase Clone Golf Clubs
This article will discuss three...
•Custom Golf Clubs- The Way To Go
If you really want to get the most out of your golf game and enjoy the sport as much as possible, custom golf clubs are your best option. The downside of having custom fitted and custom made clubs is obviously the cost. However, I have spoken to certified custom club makers who say that they can get a golfer into a high quality set for about the cost of an off-the-shelf set from the top club sellers like Calloway or Titleist, for example. These clubs will not carry the leading brand names of...
•Hybrid Golf Clubs- Should You Use Them?
Hybrid golf clubs have appeared in the past few years, and their popularity will no doubt continue to increase. Phil Mickelson used a hybrid numerous times during his win at the 2007 Player's Championship. Many other top PGA Tour players use hybrid clubs as well, and the popularity of these clubs will continue to skyrocket. Taylor Made has said that one-fourth of all its wood sales in 2007 will be hybrids. Almost one-third of U.S. golfers now choose to carry a hybrid golf club in their bags...
•Nancy Lopez Golf Clubs- Great Choices For Women Golfers
Until recently it was "one size fits all" for women golfers. Since most major golf club companies had less than 10% of their sales in ladies golf clubs, they offered women few if any choices in club length, shaft flex, swing weight, etc. LPGA Hall of Famer Nancy Lopez has come to the rescue with an excellent product line for women golfers.
Club Fitting for Women
The company offers at least a basic level of on-line club fitting, which is far better than nothing. They have several lines of...
•Buying Discount Golf Clubs
Discount golf clubs are certainly a temptation for many golfers since the price of a complete new name brand set can be in the $1,500 or higher range these days. This article will discuss various ways of procuring discount golf clubs, and the pros and cons of doing so.
Know Yourself- Get Fitted Properly
Before laying down a chunk of cash on golf clubs, it is imperative that you know what clubs to look for. I suggest a club fitting be a certified professional club maker. That is an investment...
•Sinusitis and Biofilms- An Introduction- Part 2
Properties of Biofilms
As mentioned, the scum layer produced by the biofilms seems to form a sort of protective barrier for the bacteria and other microorganisms it encases. The literature states that the bacteria in biofilms can be up to 500-1000 times more resistant to antibiotics than normal free-floating bacteria, and research is ongoing to determine the exact mechanisms to explain this. In addition, biofilms occasionally release a portion of their bacteria, and this discharge can...
•Sinusitis and Biofilms- An Introduction- Part 1
Why is it that some sinusitis sufferers do not respond to normal treatments, medications and surgical procedures and continue to come down with sinus infections regardless of the treatment they have been given? One answer to this question appears to be an atypical immune reaction to fungus, and topical anti-fungal therapies heave been developed by Mayo Clinic researchers. Another possible answer to this question has surfaced in the past couple of years: biofilms. This article is meant to be...
•The Basics of Buying Ladies Golf Clubs Part 2
Irons
Golfers with slower swings should take the following into consideration when choosing their irons. First of all, you should probably have a 6 or 7 iron as your longest iron club. Only carry a 5 or even a 6 iron if you can hit it confidently and consistently. Most people with slow swings cannot accomplish this. Higher number fairway woods and hybrids will replace the long irons. Another consideration is a wide sole that is rounded to prevent from digging more into the ground and...
•The Basics of Buying Ladies Golf Clubs Part 1
Ladies are at a disadvantage when it comes to putting together a set of golf clubs that fits them well and from which they can get the most out of their games. The reason is that there are few choices in normal off-the-shelf ladies golf clubs. With typically less than 10% of sales for a golf club company coming from ladies golf clubs, there are simply few choices in club styles, shaft flex, swing weights, or lofts normally available in most golf shops. An exception to this is the excellent...
•New Sinus Surgery Operation- Sinuplasty
A new sinus surgery procedure has emerged in recent months. It is called sinuplasty, and it is similar in concept to angioplasty. That is, a small balloon is inserted into the sinus passages of the patient, the balloon is inflated, then deflated, and then removed. It is claimed that the passage will remain open for some time because of the small malleable bones in the part of the head where the sinuses are located. The theory is that once the balloon is withdrawn, these bones have been moved...
•Post Nasal Drip- What Works for Me
“Postnasal drip is an unscientific term that refers to the sensation of thick phlegm in the throat which can become infected”. So says Dr. Murray Grossan in his book “The Sinus Cure, 7 Simple Steps”. He goes on to explain that this is caused when our cilia-mucous system is not functioning properly and how pulsating nasal irrigation can help correct this situation.
It has been several years since I’ve felt the pain and discomfort of a severe sore throat caused by post nasal drip. I have...
•Infection of the Sinus- A Symptom: Toothache
Can an infection of the sinus be signaled by a toothache? The short answer to this question is yes. I personally had an experience with this phenomenon several years ago and was completely fooled by what was happening. Hopefully others might find clarification if they have a similar experience.
Several years ago on a trip to France, I started having minor toothaches in the upper right portion of my mouth. I took Tylenol at first, and that dulled the pain for a while. The toothaches...
•Sinus Irrigation and a Suggested System
Sinus irrigation is the main component in my personal arsenal to battle sinusitis and sinus infections. While struggling with numerous sinus infections a number of years ago, I ran across a book by Dr. Murray Grossan entitled “The Sinus Cure- 7 Simple Steps”. This book explained the pulsating nasal irrigation system that I now use every day and have for a number of years. The book is a great resource for people suffering from sinusitis.
When I first started following Dr. Grossan’s advice...
•Sinus Infection Book Review- “The Sinus Cure- 7 Simple Steps” (Part 1)
In his book “The Sinus Cure- 7 Simple Steps to Relieve Sinusitis and other Ear, Nose and Throat Conditions”, Dr. Murray Grossan, M.D., defines a “sinus cure” as follows: “ A cure is defined as partial or complete relief of symptoms”. With the inclusion of the word “partial” in this definition, this means I have been cured. Do I still experience stuffiness at night? Yes, indeed. On some nights I wake up and need to elevate my head on one hand or the other to have a clogged nostril drain....
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