Monthly Archives: May 2017

Choosing The Right Student Loan

One of the biggest financial investments you’ll ever make?  College.  One of the biggest financial risks you’ll ever take?  College debt. Make sure you find the right student loan that works for you.  Why?  Graduating from college with large amounts of debt doesn’t set you up for financial success—it sets you up for more debt.  Manage your loans the right way by making sound decisions.  Consider these four strategies as you pick the right student loan—and a manageable debt load.

1. Federal v. Private

First thing you need to do is decide whether you want federal loans, private loans, or a combination of both.

If you’re an undergraduate borrowing on your own, go for a federal loan.  Federal loans are generally safer than private loans—they’re less expensive and they have flexible repayment options.  You can also avoid defaulting on them, which will protect your credit score.

How do they work?  Put simply, the federal government pays the interest on federal subsidized loans, like the Stafford and Perkins loans.  The government may also pay the interest during certain periods of deferment. And, depending on your loan and career choice, you may qualify for a loan forgiveness program.

Why would you choose a private loan?  If your credit score is high—at least 740—and you have a co-signer, then some private loan options might work better for you than federal loans.

Compare fixed and variable rates—if you plan on paying off your loan longer than its term, some of those variable rates might be appealing to you.  The other thing to consider?  Loan fees.  Run a compare and contrast of your options.

Feeling unsure?  Contact your university’s loan office and ask to speak to a Financial Aid officer.

2. Loan Calculator

Use one.  These are especially helpful when you’re comparing and contrasting rates and fees for private and federal loans.

The Repayment Estimator on StudentLoans.gov is helpful because it tracks your monthly payment based on all the variables and types of loans involved.  Get a clear sense of what you’ll pay, how often, and for how long.

Make sure that your numbers are similar to the statement from your Financial Aid office.  If they’re not—ask.  Figure out why before you sign anything.

3. How much $$?

Decide how much you want to borrow—because that will be the amount you owe, plus interest, fees, and any other loan-related expenses.

Beware the variable interest rate, typically found in private loans.  Variable interest rates do as their name implies.  They change.  They increase over time.

Borrowing a lot of money from a private lender can work, even with a variable interest rate provided you know that you’ll have the resources to pay it back quickly—don’t let that interest rate vary too much.

4. Loan Repayment Plan

That loan calculator (see #2) will start the process of thinking about this.  For private loans, your repayment is often decided before you take the loan.  Be sure to read the fine print before you sign anything on a private loan.

Your goal?  Pay as little interest as possible.  What does this mean?  Pay down your loans quickly, so less interest accrues.

For federal loans, there are three main types of loan repayment plans:

a.     Income-based: pay 10-25 percent of your discretionary income over 25 years

b.     Pay-as-you-earn: pay 10 percent of your discretionary income over 20 years

c.     Income contingent: pay a combo of a and b

You can also prepay your federal student loans provided you have sufficient income, or access to funds.

Deferring is another option—but a potentially dangerous one.  You can apply to put off paying back your loans for reasons like illness, further education, major injuries, and unemployment.  Deferring doesn’t erase interest, though.  Deferring often increases your debt burden.  Better not to defer, unless you can’t avoid it.

Confused?  Don’t be.  While the loan process is daunting, go step-by-step, and make sound decisions.  Ask questions when you have them.  If it sounds too good to be true, it probably is.  If the people you ask don’t give you clear answers, find someone else to work with.  It’s your money—and your future.

Remember: don’t sign any paperwork unless you feel confident that you know what you’re getting into.  Debt doesn’t go away on its own.  It’s yours.  Know what you’re buying—and how you’re buying it.  You’ll thank yourself later.

Breathing Exercises To Develop A Wonderful Singing Voice

To develop a wonderful singing voice, in addition to taking up professional voice classes San Jose, proper breath control is also required. Make sure you relax as singing is meant to be pleasurable, don’t be hard on yourself. Here are 5 breathing exercises that will help in developing a great singing voice.

Catch your breath

Pause your breathing at the end of each note you sing. Inhale only if required. You are probably wasting valuable air so as to sustain the notes follow if you continue breathing, particularly outward. This is mainly indispensable when the song has a faster tempo.

Exhale slowly

Fill your lungs with a full breath of air, hold, and lightly release, pushing your abdominals downwards. Simply act like if you are blowing a bubble and assume that blowing too hard will pop it. However, just the right amount will move it ever so gently.

Work on the ABS

As you breathe, see your stomach muscles move. Try lying with your back on the floor. Set something flat or a book on your tummy. Take deep breaths in and out. Focus on having the book move up and down with your breathing. This will certainly help you learn to control the diaphragm.

Quick inhalations

During professional voice lessons San Jose, you will learn that developing the ability to take quick, full breath is key. Having a plentiful supply of air on demand, lets you project with better power and facilitates you to be ready to hit higher notes. Imagine yourself having to fill a large balloon quickly. It would be essential for you to build your lung volume and have the pressure to blow out as required.

Avoid using too much air

You may have heard the term “breathy voice”. It’s when abundant air goes through the vocal cords, generating a perceptible noise that deteriorates your sound and the capability to project. Ensure you do not use too much air while singing.

In addition to this, you definitely need to overcome stage fright. We all know how we get when it’s time to get up and perform in front of others. It can cause stressFind Article, which changes the way we breathe. Gasping for air will certainly limit you from maintaining appropriate air flow while moving from one note to another.

Best Method of Studying for Professional Certification Exams

Are you facing the challenge of having to pass a certification or IT exam in the coming weeks? Depending on the type of work you do within the healthcare industry, you may find that taking the CPHQ test will put you in a good position to get a better job posting. And when it comes to the IT sector, being able to show that you passed the CISM test will put you in an excellent position to get better pay or a promotion. These exams are the key to progressing in your profession.

Passing the ISACA Certified Information Security Manager Exam (CISM) would enhance your credibility by validating your skills and put you in a prime position to take on greater corporate IT management responsibilities. Similarly, within the healthcare industry, passing the NAHQ Certified Professional in Healthcare Quality Examination Exam (CPHQ) would certify your competence and dedication to the highest level of patient care and open career advancement doors.

But the challenge that faces most working professionals looking to advance their careers is how they can study for the exam. There are several job-specific questions that come up on these types of exams, and most employees do not have an endless amount of time to study. They are usually studying in between their work shifts, which means they need an efficient preparation method.

If you are planning on sitting for the CISM or the CPHQ examinations over the next few weeks, the best method of study we can recommend is to take as many practice tests as you can get your hands on. The good news is there are plenty of terrific sites where you can find sample tests, and you do not even need to pay to access these exams.

But, when it comes to the Certified Information Security Manager Exam, or the Certified Professional in Healthcare Quality Examination Exam, you will want to find the most reliable and authentic practice test source. There are too many sites that advertise practice tests which are outdated and unreliable. They may include questions or topics that are not even going to come on the exam, which would completely throw off your preparation.

That is why you will want to find a site like Exam-Labs where you are practicing on authentic prior test papers for your upcoming examination. These sites are the ones that have been approved by industry experts and the committees that administer these tests. When you find a study guide or a practice test on such a site, you know you are getting the real deal.

Practice tests are not only an ideal way to familiarize yourself with the exam timeframe and the types of questions being asked, but it will help you iron out your weaknesses. Most of us have some topics that we already know a lot about, whereas we are not so familiar with some other concepts. When you are sitting for such challenging exams, you cannot afford to have any gaps in your knowledge. These practice tests will help you identify and plug those gaps before you sit for your exam.

How To Play Drums With Weak Hands That You Have

If you’re like most drummers, you have one hand that doesn’t always like to cooperate. And for some, the frustration that ensues makes it much easier to just ignore the issue and favor the dominant hand. Eventually, while the stronger hand gets better control and technique, the weaker hand just gets weaker and weaker. To make you a much more efficient drummer, professional drum lessons in San Jose will get you acquainted with an array of tips to build strength in your weaker hand.

Switch it up

Try using your non-dominant hand for day by day activities such as brushing your teeth and opening doors. Even though it might seem to be silly, however, training the weaker hand is simply a part of the process. The more you use it, the more efficiently you can train it.

Practice rudiments that utilize the non-dominant hand

Practicing certain rudiments can definitely help with your stick control, leading to augmented pace and enhanced agility. Professional drum lessons San Jose will teach you exercises that stress the non-dominant hand to enhance your speed up until you can play evenly and smoothly.

Set your metronome to a slow setting, and practice patterns of quarter notes or sixteen notes with your weaker hand. Make certain you are keeping the volume level, as well. As you get comfier, boost the cadence a little bit further each time.

Work on open-handed drumming

Open-handed drumming exercises will also be of great assistance. Essentially, this means flipping your normal hands. If you usually play the hi-hats with your right and snare with your left, switch it around so you are leading with your left hand. Even though this may be quick intricate at first, however, it will undoubtedly get easier with more practice.

Here comes an additional tip for you – Make an effort to practice your rudiments on a pillow! Since you will be getting less bounce back than a typical drum head, you will be working harder to pull your stick up, which will perk up your strength. And, the same goes for using heavier drumsticks.

According to professional instructors delivering drum lessons in San Jose, simply keep in mind that no matter how frustrated you get, just keep practicing! With endurance, time and premeditated practiceArticle Submission, you’ll master that switch hitting expertise.