Funding Your Bachelor Degree Education

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For the average working adult, going back to school can be one of the largest investments he will make in his life. But if you have some time before you pursue your studies, instead of applying for a bank loan, why not let time and capital work for you. Even if you plan to pursue a bachelor degree in the near future, say, in three years more, you can still save for it.

First of all, you need to have a target amount. Usually, the course fees represent a large portion of the cost. Other costs are examination fees and living expenses for those who come from other towns.

Some students may choose to study full time so that they can focus on their studies. In this case, if your employer doesn’t give you paid time off to do your studies, your budget will increase significantly, as you now have to account for your entire living expenses. In addition to that, you’ll still have to continue paying for things like insurance, car, mortgage, credit card as well as utility bills.

However, expenses can be higher if the course is done part time, as the person has less time to devote to his studies. As a result, he may have to prolong the program or even have to re-sit some papers, which means additional examination fees.

How much time you have to put aside the money depends on when you plan on taking up the program. When is the ideal time to start? To get more out of a bachelor degree, it would be good to have real world working experience of two to three years, on which to reflect upon when you’re doing the units.

At least three years of working experience would be good but you shouldn’t wait too long as the motivation level will drop. Even if you commence your studies in three years, you don’t have to pay the money in one lump sum. You can save through the study period as well which, gives you more time to accumulate funds.

Many education centers and colleges have worked out interest free schemes that you can use to your benefit. You can let your money work for you while you use the interest free payment option.

There is also an option for students to pay their fees in the monthly payments over the period of study and if the amount is paid in a lump sum, students are given a rebate. Another option is a scheme in collaboration with a bank, where students pay few hundred dollars at the start of the program and nothing else for two years. Thereafter, they have the option to repay in installments upon completing their studies.

Finally, you need to work backwards; given the number of years, inflation rate and a projected rate of return to come up with how much you need to put aside regularly. However, inflation may not have a large impact if your study period is short.

Once you have the total figure, you can start saving but you may not have to start from scratch. Perhaps you need not finance the whole amount yourself. Though the competition for scholarships is high, you may run into a bit of luck.

With a short time frame of three to five years, there are few choices in terms of investment vehicles. If you only have three to five years, you should seek a liquid and low risk investment such as putting your funds into a portfolio of fixed deposits, bonds and balanced funds. However, the chosen investment vehicle should also take into account the individual’s own risk profile and how much return is required as well.

Last but not least, it is important to review your plan regularly and rebalance your portfolio accordingly.

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Food Processor Safety Tips

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A food processor is an electrical appliance that operates with fast moving and sharp blades and discs. Like other electrical equipment, a food processor should always be handled with care. Follow these safety tips to protect you and your family from misuse and harm.

  • The appliance’s blades and discs operate and move at high speeds. Make sure your hands and kitchen utensils, like spatulas or wooden spoons, are kept away from the moving blades and discs when processing food. Only insert your hands or kitchen utensils into the food processor after the machine is off and unplugged.
  • As stated, the blades and discs are very sharp and should be handled and stored carefully. When connecting the motor shaft or stem to the processing unit, always place the blades and discs on flat, stable surfaces to minimize potential contact with them.
  • Make sure the work bowl is securely locked before placing blades or discs on the motor shaft.
  • Never put food or other ingredients into the work bowl until the blades and discs are securely in place.
  • Always use the pusher or food plunger to move food into the bowl and into the spinning blades or discs. Never put your fingers into the feed tube or work bowl while it is in operation.
  • Make sure the blade or disc has stopped spinning before you remove the cover from the work bowl.
  • Make sure the processor is turned off and unplugged from the electrical outlet before removing food, changing parts or cleaning it.
  • After your food processing is done, first remove the work bowl from the processor’s base before removing any blades or discs.

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MOXXOR Scam? A Product Review

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You may not have heard of it yet but there is a new natural health network marketing business called Moxxor that will likely soon make headlines with what it calls “The Most Powerful All Natural Omega-3 and Antioxidant on the Planet…” You may be shaking your head thinking of other so called wonder products such as Monavie, that claim to offer extraordinary health benefits, while at the same time making you practically broke if you decide to try them. The upside to this story is that Moxxor is a genuine product without fillers.

Moxxor was founded by Noel and John Turner after years of interest in the use of green-lipped mussels as a source of omega-3s. Native to New Zealand, the Turners began their first exports of green-lipped mussel oil to the United States back in the 1980s. Since then they have actively promoted this omega-3 source throughout the world. Their product, MOXXOR, contains both green-lipped mussel oil and sauvignon blanc grape seed extract to create not only an exceptional source of omega-3s but also a very powerful antioxidant supplement.

Research has shown that omega-3s can be beneficial in the reduction of symptoms or prevention of everything from allergies and asthma to high blood pressure and heart disease. Antioxidants neutralize free-radicals and research has demonstrated them as having anticancer and anti-aging properties.

According to it’s very own label a serving size of MOXXOR contains 300mg of a propriety blend of Greenlip Mussel Oil, Marine Omega Fatty Acids, and Grape Seed Extract. The company’s website touts that that MOXXOR Mussel Oil has and anti-inflammatory value that his 158 time more effective than Fish Oil and the MOXXOR Grape Seed Extract has an ORAC Value that is 3 times more effective than the acai berry, 3.8 times more effective than mangosteen, and 47 time more effective than the goji berry. Given the popularity of fish oil and these super fruits MOXXOR seems like it will attract much attention.

Finally, what is the cost of this seemingly incredible supplement? A bottle of MOXXOR, which equates to about a month supply is $60 USD. If this is a little more expensive than your current fish oil or antioxidant supplement consider that there are no fillers in this product. Many fish oils actually use plant oils as fillers and are cheaply manufactured with chemical solvents and heat, not only making the products less effective but also contaminating them. MOXXOR is a legitimate product without fillers.

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Bluetooth Headphones Tips – Prolonging Li-Ion Battery Life

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Many Bluetooth headphones use the lithium-ion type of rechargeable battery. It is actually the most popular type of rechargeable battery not just among Bluetooth headsets but also for other electronic devices such as laptops and cell phones.

One main reason that Li-ion (lithium-ion) batteries are the favorite battery type of a lot of Bluetooth headphones is that these kinds of batteries have a bigger energy storage capacity. What this means is that Li-ion batteries have a greater energy-to-material ratio than the other kinds, such as nickel metal hydride (NiMH) or nickel-cadmium (NiCd) batteries. For the same amount of nickel or nickel-cadmium, the lithium-ion battery can hold more power.

The second main reason is that Li-on batteries do not degrade in performance even if you repower them while they are not completely depleted of stored power. Unlike other batteries, the Li-ion battery does not show the so-called memory effect. It also has stronger resistance to severe temperatures and does not self-discharge as fast as the other types when it is in storage.

Much as everyone would like Li-ion batteries to be eternal, the fact is that they have a limited life. When used appropriately and cared for, they can actually provide your Bluetooth headsets with power up to about three years. The key here is in knowing how to make your Bluetooth earphones’ Li-ion battery packs reach their optimal life span. Here are a few tips.

Do not completely empty your battery of power. Li-ion batteries actually do not need to be fully empty before you need to recharge them. As a matter of fact, you will decrease the life span of your batteries if you frequently let them go empty first before recharging them. However, it is also healthy to completely discharge your Li-ion battery from time to time, say, after every 25 or 30 partial recharge cycles.

Never subject your Li-on battery to high temperature when you recharge them. Not only will the heat be a safety risk but will also shorten your battery’s life and energy capacity.

If you are intending to leave your Bluetooth headsets unused for some time, you should make sure that the batteries are at least half-charged. Also, never leave the battery inside your Bluetooth earphones if you won’t be using the devices for a long period. If you do, the active material may leak out and corrode and damage your unit. Store the batteries in a cool place. Even the refrigerator will do, but never the freezer.

These practical tips are easy to remember. If you keep them in mind and follow them, you can be sure that your Li-ion battery for your Bluetooth headphones will last up to its maximum lifespan.

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A Glimpse at the Johns Hopkins University School of Nursing

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The Johns Hopkins University School of Nursing ranked 2nd for its Community Health Nursing Program and 6th for its Graduate Programs according to the US News & World Report. This prestigious school has over 200 faculty members and more than 700 students in its various nursing programs.

The Johns Hopkins University School of Nursing offers two-year and accelerated baccalaureate programs where graduates receive a Bachelor of Science degree that prepares them to enter the nursing profession. In addition, the school also has a Master’s Program for nursing practitioners and experts to equip them for leadership and management in the field of nursing.

It is also devoted to research in nursing and healthcare and receives millions of dollars annually for research funds. The school offers a Doctoral Program for those who would like to become nurse scholars and advance the nursing practice through research studies.

Other post-degree programs available in the school offer studies and practicum on pediatric, adult and family care, critical care and emergency preparedness. The Johns Hopkins University School of Nursing also has opportunities for continuing education for nurses.

To prepare students in the practice of nursing, the school created programs and formed partnerships with other organizations and the community to give students hands-on experience of administering healthcare and support to various settings including community centers, shelters for victims of domestic violence, elementary schools, outreach programs for the homeless and the aged and many others.

The University is looking for individuals who demonstrate serious and committed interest in scholarship. The Admissions Committee thoroughly reviews an applicant’s academic interests, record, and accomplishments. Each program within the school has its own set of admission requirements and deadlines. You should contact the Admissions Office or visit their website to get more information on the program you plan to enter. You can also check the website for the schedule of the school’s program information sessions and open house.

In its effort to help eligible students pay for their education, the Johns Hopkins University School of Nursing offers needs-based financial assistance both to qualified undergraduate and graduate students through scholarships, grants, loans and work-study programs. The school recommends filing application for financial aid together with the application for admission.

The Johns Hopkins University School of Nursing is located in the state-of-the-art Anne M. Pinkard Building in the East Baltimore campus of the The Johns Hopkins University in Baltimore, Maryland.

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