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.

Motorcycle Audio Accessories for the Discerning Biker

If you own a motorcycle, the prospect of listening to music while experiencing the taste of freedom is just the greatest enthralling feeling on earth. It's a good idea to go out for a long ride on the highway or the woods, so that you can hear your favorite music all the time. So, if you are an enthusiast biker and spend a significant time on the road, why not considering installing suitable motorcycle audio accessories for it.

These days, a variety of motorcycle audio accessories and motorcycle audio systems are available to suit your requirements. But, how would you choose the right one for yourself? By searching on the Internet and also based on your personal choices, you can go in for an audio system or set of accessories that suits your tastes.

Earlier, these systems consist of just simple AM ​​/ FM receivers, but all that has changed nowdays. These days, it is easy to get brilliant and versatile motorcycle audio accessories such as motorcycle amplifiers, motorcycle amplifiers with wireless remotes, 2 channel mini amplifiers, stereo audio system kits, motor speakers, iPod touch mounts, and many others. Currently, motorcycle sound systems are capable of utilizing gadgets like MP3s, USB sticks, and even iPods. With the help of these systems, you can truly enjoy your biking experience a great deal.

You can also listen to crisp music at great speeds, courtesy of add-on audio for motorcycle helmets. In-helmet audio systems are certainly an advance when it comes to the most definitive systems of your choice. Moreover, you can install a premium quality CB radio on your motorcycle if your budget permits. Authentic and quality motorcycle headset accessories are also available for your listening requirements.

There's one bit of advice for all you biking enthusiasts and music aficionados. Technology is always advancing, and sooner or later there will be upgrades available. Therefore, it is advisable to buy a system that is capable of an upgrade in the future. At the same time, you should also consider your overall budget for installing a system or choosing the motorcycle audio accessories of your choice. It is advisable not to blow all your hard earned money over something that you can not afford right away, so consider getting your accessories over a period of time if you feel your choice could exceed your budget.

Is Marketing Direct Sales Different From Multi-Level Marketing?

Some years ago, I partnered with my first multi-level marketing company or MLM, not knowing exactly what a MLM company was. I thought I was just selling makeup and getting others to join me. Once I got into the industry, my eyes opened up to the conglomerate of marketing direct sales companies and all the various types of direct sales companies. There is multi-level marketing, network marketing, affiliate marketing, internet marketing and whatever other phrase that is hot for the new year. In either case, I was confused. I am always coming across people who don’t understand the difference between the different types of companies so I figured I will break it down simply for you all. In today’s blog I will focus on multi-level marketing.

Marketing Direct Sales: Direct Sales is an industry in which companies sell their products or services directly to consumers through a distributorship.

Basically, think of the term “direct sales” as the broad category for multi-level marketing and affiliate marketing. Marketing direct sales also goes beyond these two types of companies. There are also single-level companies that typically include industries such as real-estate and financial services. Single-level in which distributors are just compensated for the work that they do.

Marketing Direct Sales: Multi-Level Marketing

Multi-Level Marketing (MLM) is an industry in which individuals or an individual entity, called distributors, sell a company’s products or services through a down-line of distributors.

In MLMs, individuals are able to purchase the right to sell a specific company’s products or services and are able to earn a commission on the items she or he sells. What makes multi-level marketing so attractive is that not only do you earn a commission on the products/services you sell, but you also earn a commission on sales when people join the business under you.

In product based companies, like Mary Kay, Amway, Organo Gold, etc., distributors are able to buy products at wholesale and sell them at retail, which is usually a 50% markup on the wholesale price.

In service based companies, like Legal Shield, ACN, etc. distributors are required to utilize the service to maintain their distributorship.

Additionally, as distributors bring more people into the company and sell more products they are able to achieve certain rankings.

MLMs are based around rankings that incentivize people to produce more. As you move up the ranks, you are able to earn higher commissions and earn additional bonuses.

Marketing Direct Sales: The Downside of Multi-Level Marketing

The multi-Level marketing industry is often associated with a lot of negativity. Typically, when you hear the words network marketing or MLM, you will hear the following: SCAM! Before there were concrete regulations in place, there were people marketing direct sales illegally. There were many fly-by-night companies that came on the scene that were doing illegal activities such as Ponzi schemes. The issue here is that the majority of commissions were made off of bringing people into the business instead of selling products or services.

However, the Fed shut down many of these companies years ago. However, be mindful there are still a few illegal companies lingering out there.

Marketing Direct Sales: Conclusion

Overall, this is a viable industry that allows anyone to make a solid living and for the real go-getters an opportunity to create wealth. Deciding to partake in this industry depends on what you are looking for. Fortunately, there are a variety of companies for everyone. Whether you like to do home parties selling makeup, jewelry, I’ve even seen bread! There are also online businesses.

I suggest that you give marketing direct sales a try. If you are looking for a specific opportunity, I have a few options that I can suggest for you. I have participated in network marketing, affiliate marketing and online marketing so I have some experience to share.

Comment below and share!

Common Legal Penaltyies For Computer Crimes

Computer technology is becoming increasingly more advanced and there is a lot of money to be made surrounding it. Where there is more money to be made, there is more criminal activity, punishable by law. The Information Act of 2000 states that there should be different penalties for different types of technological crimes. The following are common legal penalies for computer crimes.

Telecommunication service theft involves the unlawful obsolete of any telecommunications technology. This crime is punishable with a heavy fine and an undefined term of imprimination. The legal consequences vary depending on the severity of the theft. Communications intercept crime is a Class-D crime that involves the interruption of communication technology. It is punishable by one to five years in prison along with a fine and can include other infractions such as offensive material dissemination, telecommunications piracy, and other cyber frauds.

When someone changes a source code on a computer program or website, this is called computer source tampering. Those found guilty of this crime can face up to three years in prison, or a fine. Computer hacking also carries a prison sentence of up to three years.

Although all technological crimes are taken seriously, government computer systems hold the most serious consequence when violated. Trying to obtain access to a system protected by the government is a very serious crime that can have major consequences on government operations. Anyone found guilty of tampering with a government computer faces ten years in prison and a major fine.

Protecting computer technology crimes is extremely important because the world now relates heavily on the use of computer systems to operate. With one of the most common legal penalties for computer crimes being a prison sentence, the legal system has been very effective in putting new laws in place with the changing technology. Technology crimes are taken very seriously and punished harshly.